Home > The Jefferson Bank > Performance and Condition Ratios
The Jefferson Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6986% | 136 |
| Cost of funding earning assets | 1.9279% | 1,021 |
| Net interest margin | 5.7707% | 140 |
| Noninterest income to average assets | 3.6700% | 161 |
| Noninterest expense to average assets | 3.4586% | 606 |
| Loan and lease loss provision to assets | 0.6800% | 118 |
| Net operating income to assets | 4.2896% | 90 |
| Return on assets (ROA) | 4.2896% | 91 |
| Pretax return on assets | 4.9057% | 93 |
| Return on Equity (ROE) | 25.4300% | 296 |
| Retained earnings to average equity (ytd only) | 21.5020% | 114 |
| Net charge-offs to loans | 0.0200% | 1,945 |
| Credit loss provision to net charge-offs | 4,645.4545% | 118 |
| Earnings coverage of net charge-offs (x) | 382.6818% | 365 |
| Efficiency ratio | 38.2500% | 4,394 |
| Assets per employee ($millions) | 9.2039% | 920 |
| Cash dividends to net income (ytd only)* | 15.4607% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2239% | 43 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 3,380 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.5700% | 1,861 |
| Net loans and leases to deposits | 87.6755% | 1,468 |
| Net loans and leases to core deposits | 119.4734% | 642 |
| Total domestic deposits to total assets | 79.3500% | 3,558 |
| Equity capital to assets | 18.2755% | 335 |
| Core capital (leverage) ratio | 19.7280% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8760% | 617 |
| Memoranda: | ||
| Average total assets | $150,783,000 | 3,353 |
| Average earning assets | $140,259,400 | 3,342 |
| Average equity | $25,430,200 | 2,493 |
| Average total loans | $109,893,800 | 3,063 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4648% | 143 |
| Cost of funding earning assets | 1.7668% | 1,065 |
| Net interest margin | 5.6980% | 145 |
| Noninterest income to average assets | 4.5300% | 137 |
| Noninterest expense to average assets | 2.5521% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 5.3649% | 71 |
| Return on assets (ROA) | 5.3649% | 71 |
| Pretax return on assets | 7.3216% | 65 |
| Return on Equity (ROE) | 32.5200% | 184 |
| Retained earnings to average equity (ytd only) | 30.0870% | 89 |
| Net charge-offs to loans | -0.0184% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 25.8476% | 4,535 |
| Assets per employee ($millions) | 8.9779% | 945 |
| Cash dividends to net income (ytd only)* | 7.4875% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4628% | 47 |
| Loan loss allowance to noncurrent loans | 5,016.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,175 |
| Noncurrent loans to loans | 0.0890% | 3,140 |
| Net loans and leases to total assets | 70.3600% | 1,782 |
| Net loans and leases to deposits | 87.3377% | 1,443 |
| Net loans and leases to core deposits | 130.8826% | 332 |
| Total domestic deposits to total assets | 80.5600% | 3,449 |
| Equity capital to assets | 18.2632% | 335 |
| Core capital (leverage) ratio | 20.5081% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7939% | 636 |
| Memoranda: | ||
| Average total assets | $149,362,250 | 3,377 |
| Average earning assets | $140,138,750 | 3,356 |
| Average equity | $24,639,000 | 2,531 |
| Average total loans | $108,653,000 | 3,077 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6410% | 121 |
| Cost of funding earning assets | 1.5026% | 1,237 |
| Net interest margin | 6.1384% | 96 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.0731% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7556% | 185 |
| Return on assets (ROA) | 2.7556% | 184 |
| Pretax return on assets | 3.7476% | 126 |
| Return on Equity (ROE) | 17.5300% | 1,014 |
| Retained earnings to average equity (ytd only) | 14.9531% | 567 |
| Net charge-offs to loans | -0.0112% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 35.6164% | 4,483 |
| Assets per employee ($millions) | 8.5764% | 1,056 |
| Cash dividends to net income (ytd only)* | 14.7131% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5435% | 55 |
| Loan loss allowance to noncurrent loans | 3,336.6667% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,819 |
| Noncurrent loans to loans | 0.1362% | 2,789 |
| Net loans and leases to total assets | 72.1200% | 1,519 |
| Net loans and leases to deposits | 90.4565% | 1,151 |
| Net loans and leases to core deposits | 121.7951% | 476 |
| Total domestic deposits to total assets | 79.7300% | 3,613 |
| Equity capital to assets | 16.5709% | 406 |
| Core capital (leverage) ratio | 18.6762% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1072% | 941 |
| Memoranda: | ||
| Average total assets | $147,988,667 | 3,398 |
| Average earning assets | $137,625,667 | 3,385 |
| Average equity | $23,259,333 | 2,609 |
| Average total loans | $107,405,333 | 3,088 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1343% | 58 |
| Cost of funding earning assets | 1.2851% | 1,265 |
| Net interest margin | 6.8492% | 54 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.9318% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.4021% | 125 |
| Return on assets (ROA) | 3.4021% | 125 |
| Pretax return on assets | 4.6229% | 97 |
| Return on Equity (ROE) | 22.2400% | 563 |
| Retained earnings to average equity (ytd only) | 19.6063% | 401 |
| Net charge-offs to loans | -0.0189% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 29.4720% | 4,610 |
| Assets per employee ($millions) | 8.6429% | 1,078 |
| Cash dividends to net income (ytd only)* | 11.8297% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7200% | 46 |
| Loan loss allowance to noncurrent loans | 3,381.7568% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 2,825 |
| Noncurrent loans to loans | 0.1396% | 2,797 |
| Net loans and leases to total assets | 68.7600% | 1,758 |
| Net loans and leases to deposits | 82.2523% | 1,633 |
| Net loans and leases to core deposits | 96.9858% | 1,230 |
| Total domestic deposits to total assets | 83.6000% | 3,173 |
| Equity capital to assets | 16.0894% | 402 |
| Core capital (leverage) ratio | 16.7540% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7893% | 1,027 |
| Memoranda: | ||
| Average total assets | $149,084,000 | 3,435 |
| Average earning assets | $139,754,500 | 3,410 |
| Average equity | $22,809,000 | 2,661 |
| Average total loans | $106,029,000 | 3,135 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9653% | 97 |
| Cost of funding earning assets | 0.9393% | 216 |
| Net interest margin | 5.0260% | 132 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.8485% | 1,230 |
| Loan and lease loss provision to assets | 0.4000% | 177 |
| Net operating income to assets | 1.5087% | 863 |
| Return on assets (ROA) | 1.5087% | 832 |
| Pretax return on assets | 1.7361% | 849 |
| Return on Equity (ROE) | 10.3900% | 2,680 |
| Retained earnings to average equity (ytd only) | 7.6980% | 1,958 |
| Net charge-offs to loans | 0.0383% | 1,328 |
| Credit loss provision to net charge-offs | 1,476.1905% | 334 |
| Earnings coverage of net charge-offs (x) | 78.1905% | 1,098 |
| Efficiency ratio | 57.0999% | 3,456 |
| Assets per employee ($millions) | 8.8964% | 953 |
| Cash dividends to net income (ytd only)* | 25.9179% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7161% | 44 |
| Loan loss allowance to noncurrent loans | 3,378.3784% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 2,859 |
| Noncurrent loans to loans | 0.1396% | 2,815 |
| Net loans and leases to total assets | 66.7900% | 1,947 |
| Net loans and leases to deposits | 78.3380% | 1,909 |
| Net loans and leases to core deposits | 101.1120% | 942 |
| Total domestic deposits to total assets | 85.2700% | 2,916 |
| Equity capital to assets | 14.5320% | 522 |
| Core capital (leverage) ratio | 15.8279% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1195% | 1,106 |
| Memoranda: | ||
| Average total assets | $153,447,800 | 3,410 |
| Average earning assets | $145,424,800 | 3,373 |
| Average equity | $22,278,600 | 2,748 |
| Average total loans | $109,609,800 | 3,032 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 100 |
| Cost of funding earning assets | 0.8708% | 119 |
| Net interest margin | 4.7739% | 153 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9194% | 3,701 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 2.1696% | 218 |
| Return on assets (ROA) | 2.1696% | 215 |
| Pretax return on assets | 2.9454% | 145 |
| Return on Equity (ROE) | 14.9500% | 1,187 |
| Retained earnings to average equity (ytd only) | 12.2631% | 735 |
| Net charge-offs to loans | -0.1412% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.1776% | 4,567 |
| Assets per employee ($millions) | 9.6384% | 721 |
| Cash dividends to net income (ytd only)* | 17.9569% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8794% | 73 |
| Loan loss allowance to noncurrent loans | 1,440.5844% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,345 |
| Noncurrent loans to loans | 0.2693% | 2,296 |
| Net loans and leases to total assets | 67.1000% | 1,771 |
| Net loans and leases to deposits | 83.8535% | 1,310 |
| Net loans and leases to core deposits | 110.6307% | 450 |
| Total domestic deposits to total assets | 80.0100% | 4,096 |
| Equity capital to assets | 13.6404% | 600 |
| Core capital (leverage) ratio | 15.5730% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2690% | 1,128 |
| Memoranda: | ||
| Average total assets | $154,000,000 | 3,428 |
| Average earning assets | $146,682,250 | 3,379 |
| Average equity | $22,353,750 | 2,790 |
| Average total loans | $110,507,250 | 3,035 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6154% | 93 |
| Cost of funding earning assets | 0.8224% | 90 |
| Net interest margin | 4.7930% | 131 |
| Noninterest income to average assets | 0.3079% | 3,317 |
| Noninterest expense to average assets | 1.9441% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1789% | 166 |
| Return on assets (ROA) | 2.1789% | 166 |
| Pretax return on assets | 2.9579% | 104 |
| Return on Equity (ROE) | 14.6902% | 960 |
| Retained earnings to average equity (ytd only) | 12.0063% | 603 |
| Net charge-offs to loans | -0.0201% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6589% | 4,620 |
| Assets per employee ($millions) | 9.9174% | 680 |
| Cash dividends to net income (ytd only)* | 18.2704% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6373% | 86 |
| Loan loss allowance to noncurrent loans | 828.5981% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 1,737 |
| Noncurrent loans to loans | 0.4390% | 1,804 |
| Net loans and leases to total assets | 69.6604% | 1,324 |
| Net loans and leases to deposits | 86.2493% | 951 |
| Net loans and leases to core deposits | 106.4914% | 434 |
| Total domestic deposits to total assets | 80.7663% | 4,161 |
| Equity capital to assets | 13.0597% | 654 |
| Core capital (leverage) ratio | 15.8649% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0979% | 1,414 |
| Memoranda: | ||
| Average total assets | $150,716,000 | 3,492 |
| Average earning assets | $144,459,667 | 3,453 |
| Average equity | $22,355,000 | 2,863 |
| Average total loans | $109,218,333 | 3,072 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 74 |
| Cost of funding earning assets | 0.8349% | 70 |
| Net interest margin | 5.1067% | 91 |
| Noninterest income to average assets | 0.0818% | 4,568 |
| Noninterest expense to average assets | 1.8508% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.2938% | 151 |
| Return on assets (ROA) | 2.2938% | 149 |
| Pretax return on assets | 3.1148% | 93 |
| Return on Equity (ROE) | 14.4383% | 749 |
| Retained earnings to average equity (ytd only) | 11.7744% | 640 |
| Net charge-offs to loans | -0.0194% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2727% | 4,691 |
| Assets per employee ($millions) | 8.5466% | 1,083 |
| Cash dividends to net income (ytd only)* | 18.4502% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1168% | 69 |
| Loan loss allowance to noncurrent loans | 1,437.3377% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 2,367 |
| Noncurrent loans to loans | 0.2864% | 2,445 |
| Net loans and leases to total assets | 70.9649% | 927 |
| Net loans and leases to deposits | 87.3107% | 660 |
| Net loans and leases to core deposits | 110.3339% | 252 |
| Total domestic deposits to total assets | 81.2785% | 4,171 |
| Equity capital to assets | 15.3497% | 362 |
| Core capital (leverage) ratio | 16.8361% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0748% | 1,241 |
| Memoranda: | ||
| Average total assets | $141,776,500 | 3,601 |
| Average earning assets | $135,586,000 | 3,554 |
| Average equity | $22,523,500 | 2,938 |
| Average total loans | $102,889,000 | 3,147 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 194 |
| Cost of funding earning assets | 1.0380% | 63 |
| Net interest margin | 4.1596% | 529 |
| Noninterest income to average assets | 1.4361% | 545 |
| Noninterest expense to average assets | 3.3991% | 549 |
| Loan and lease loss provision to assets | 0.1585% | 750 |
| Net operating income to assets | 1.6038% | 797 |
| Return on assets (ROA) | 1.6038% | 829 |
| Pretax return on assets | 1.8214% | 873 |
| Return on Equity (ROE) | 9.8559% | 2,577 |
| Retained earnings to average equity (ytd only) | 6.6529% | 2,056 |
| Net charge-offs to loans | -0.1037% | 4,591 |
| Credit loss provision to net charge-offs | -231.9588% | 3,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1924% | 2,684 |
| Assets per employee ($millions) | 8.1549% | 1,246 |
| Cash dividends to net income (ytd only)* | 32.4989% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5000% | 51 |
| Loan loss allowance to noncurrent loans | 599.8643% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 1,255 |
| Noncurrent loans to loans | 0.7502% | 1,360 |
| Net loans and leases to total assets | 67.6772% | 1,306 |
| Net loans and leases to deposits | 87.4203% | 683 |
| Net loans and leases to core deposits | 111.2504% | 263 |
| Total domestic deposits to total assets | 77.4159% | 4,441 |
| Equity capital to assets | 16.6757% | 315 |
| Core capital (leverage) ratio | 16.6655% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8830% | 1,072 |
| Memoranda: | ||
| Average total assets | $141,978,000 | 3,565 |
| Average earning assets | $134,579,400 | 3,531 |
| Average equity | $23,102,800 | 2,972 |
| Average total loans | $93,522,600 | 3,285 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2677% | 201 |
| Cost of funding earning assets | 1.0839% | 60 |
| Net interest margin | 4.1838% | 563 |
| Noninterest income to average assets | 1.8261% | 390 |
| Noninterest expense to average assets | 2.3713% | 2,533 |
| Loan and lease loss provision to assets | -0.2570% | 4,804 |
| Net operating income to assets | 2.7550% | 161 |
| Return on assets (ROA) | 2.7550% | 163 |
| Pretax return on assets | 3.6718% | 106 |
| Return on Equity (ROE) | 17.0335% | 759 |
| Retained earnings to average equity (ytd only) | 15.1287% | 381 |
| Net charge-offs to loans | -0.1314% | 4,700 |
| Credit loss provision to net charge-offs | 302.1978% | 1,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9810% | 4,693 |
| Assets per employee ($millions) | 7.8720% | 1,326 |
| Cash dividends to net income (ytd only)* | 11.1826% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5062% | 52 |
| Loan loss allowance to noncurrent loans | 443.8776% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 1,143 |
| Noncurrent loans to loans | 1.0152% | 1,132 |
| Net loans and leases to total assets | 61.9964% | 2,003 |
| Net loans and leases to deposits | 76.8866% | 1,586 |
| Net loans and leases to core deposits | 97.2125% | 689 |
| Total domestic deposits to total assets | 80.6335% | 4,142 |
| Equity capital to assets | 18.3181% | 259 |
| Core capital (leverage) ratio | 16.6344% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1720% | 677 |
| Memoranda: | ||
| Average total assets | $142,814,250 | 3,594 |
| Average earning assets | $135,184,500 | 3,566 |
| Average equity | $23,099,000 | 3,008 |
| Average total loans | $92,342,250 | 3,347 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 210 |
| Cost of funding earning assets | 1.1053% | 67 |
| Net interest margin | 4.2171% | 567 |
| Noninterest income to average assets | 0.1125% | 4,638 |
| Noninterest expense to average assets | 2.2810% | 2,821 |
| Loan and lease loss provision to assets | -0.1385% | 4,695 |
| Net operating income to assets | 1.4965% | 1,303 |
| Return on assets (ROA) | 1.4965% | 1,366 |
| Pretax return on assets | 1.9944% | 848 |
| Return on Equity (ROE) | 9.6432% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.6987% | 2,193 |
| Net charge-offs to loans | -0.1551% | 4,738 |
| Credit loss provision to net charge-offs | 138.3562% | 1,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1393% | 3,651 |
| Assets per employee ($millions) | 8.5228% | 999 |
| Cash dividends to net income (ytd only)* | 20.1650% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0675% | 67 |
| Loan loss allowance to noncurrent loans | 1,146.7606% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 2,709 |
| Noncurrent loans to loans | 0.3547% | 2,630 |
| Net loans and leases to total assets | 66.2696% | 1,668 |
| Net loans and leases to deposits | 84.4186% | 1,034 |
| Net loans and leases to core deposits | 106.7461% | 448 |
| Total domestic deposits to total assets | 78.5012% | 4,385 |
| Equity capital to assets | 15.6812% | 449 |
| Core capital (leverage) ratio | 15.9184% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5558% | 1,219 |
| Memoranda: | ||
| Average total assets | $145,811,000 | 3,567 |
| Average earning assets | $139,147,000 | 3,521 |
| Average equity | $22,627,333 | 3,043 |
| Average total loans | $94,162,667 | 3,335 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6953% | 150 |
| Cost of funding earning assets | 1.2178% | 53 |
| Net interest margin | 4.4775% | 369 |
| Noninterest income to average assets | 0.2241% | 4,043 |
| Noninterest expense to average assets | 2.1669% | 3,211 |
| Loan and lease loss provision to assets | -0.2104% | 4,817 |
| Net operating income to assets | 1.9155% | 647 |
| Return on assets (ROA) | 1.9155% | 697 |
| Pretax return on assets | 2.5276% | 418 |
| Return on Equity (ROE) | 12.3584% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.4191% | 1,541 |
| Net charge-offs to loans | -0.0877% | 4,594 |
| Credit loss provision to net charge-offs | 385.0000% | 667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3242% | 4,320 |
| Assets per employee ($millions) | 8.3788% | 1,044 |
| Cash dividends to net income (ytd only)* | 15.6919% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4689% | 56 |
| Loan loss allowance to noncurrent loans | 354.8727% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 1,118 |
| Noncurrent loans to loans | 1.2593% | 1,029 |
| Net loans and leases to total assets | 60.6611% | 2,452 |
| Net loans and leases to deposits | 72.3175% | 2,281 |
| Net loans and leases to core deposits | 90.9507% | 1,174 |
| Total domestic deposits to total assets | 83.8815% | 3,473 |
| Equity capital to assets | 15.9121% | 396 |
| Core capital (leverage) ratio | 14.2859% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6251% | 979 |
| Memoranda: | ||
| Average total assets | $146,381,500 | 3,562 |
| Average earning assets | $139,273,000 | 3,524 |
| Average equity | $22,689,000 | 3,028 |
| Average total loans | $91,200,500 | 3,390 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7401% | 128 |
| Cost of funding earning assets | 1.5104% | 79 |
| Net interest margin | 4.2297% | 595 |
| Noninterest income to average assets | 0.7104% | 1,832 |
| Noninterest expense to average assets | 3.2405% | 984 |
| Loan and lease loss provision to assets | 0.3545% | 972 |
| Net operating income to assets | 0.9927% | 2,319 |
| Return on assets (ROA) | 1.0719% | 2,162 |
| Pretax return on assets | 1.2236% | 2,248 |
| Return on Equity (ROE) | 6.6531% | 3,352 |
| Retained earnings to average equity (ytd only) | 3.8369% | 2,902 |
| Net charge-offs to loans | 0.1880% | 906 |
| Credit loss provision to net charge-offs | 284.0909% | 1,794 |
| Earnings coverage of net charge-offs (x) | 11.9261% | 2,370 |
| Efficiency ratio | 68.5307% | 2,162 |
| Assets per employee ($millions) | 8.8426% | 783 |
| Cash dividends to net income (ytd only)* | 42.3280% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4577% | 54 |
| Loan loss allowance to noncurrent loans | 1,174.4986% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 3,128 |
| Noncurrent loans to loans | 0.3795% | 2,846 |
| Net loans and leases to total assets | 58.4438% | 3,039 |
| Net loans and leases to deposits | 69.0022% | 2,980 |
| Net loans and leases to core deposits | 92.8847% | 1,313 |
| Total domestic deposits to total assets | 84.6984% | 2,882 |
| Equity capital to assets | 15.1094% | 557 |
| Core capital (leverage) ratio | 14.4719% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5767% | 1,131 |
| Memoranda: | ||
| Average total assets | $141,057,000 | 3,495 |
| Average earning assets | $134,005,200 | 3,456 |
| Average equity | $22,726,400 | 2,961 |
| Average total loans | $93,603,800 | 3,349 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9463% | 118 |
| Cost of funding earning assets | 1.5675% | 89 |
| Net interest margin | 4.3788% | 490 |
| Noninterest income to average assets | 0.7035% | 1,791 |
| Noninterest expense to average assets | 2.4871% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7891% | 463 |
| Return on assets (ROA) | 1.8855% | 421 |
| Pretax return on assets | 2.4967% | 213 |
| Return on Equity (ROE) | 11.5089% | 1,512 |
| Retained earnings to average equity (ytd only) | 8.3999% | 1,175 |
| Net charge-offs to loans | 0.1957% | 780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 17.9058% | 1,984 |
| Efficiency ratio | 51.1564% | 4,406 |
| Assets per employee ($millions) | 8.7518% | 761 |
| Cash dividends to net income (ytd only)* | 27.0133% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4288% | 100 |
| Loan loss allowance to noncurrent loans | 1,042.4069% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 3,267 |
| Noncurrent loans to loans | 0.3289% | 3,104 |
| Net loans and leases to total assets | 68.8677% | 2,127 |
| Net loans and leases to deposits | 81.8897% | 2,109 |
| Net loans and leases to core deposits | 110.5272% | 680 |
| Total domestic deposits to total assets | 84.0981% | 2,782 |
| Equity capital to assets | 15.6566% | 515 |
| Core capital (leverage) ratio | 15.0059% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6818% | 951 |
| Memoranda: | ||
| Average total assets | $138,740,250 | 3,519 |
| Average earning assets | $131,753,500 | 3,476 |
| Average equity | $22,729,750 | 2,956 |
| Average total loans | $94,016,250 | 3,349 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3665% | 97 |
| Cost of funding earning assets | 1.6037% | 112 |
| Net interest margin | 4.7628% | 302 |
| Noninterest income to average assets | 1.0237% | 942 |
| Noninterest expense to average assets | 2.5068% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.2980% | 189 |
| Return on assets (ROA) | 2.4462% | 167 |
| Pretax return on assets | 3.2188% | 93 |
| Return on Equity (ROE) | 14.6928% | 756 |
| Retained earnings to average equity (ytd only) | 12.7409% | 384 |
| Net charge-offs to loans | 0.3689% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.3614% | 2,061 |
| Efficiency ratio | 45.2654% | 4,762 |
| Assets per employee ($millions) | 8.9211% | 696 |
| Cash dividends to net income (ytd only)* | 13.2850% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5412% | 88 |
| Loan loss allowance to noncurrent loans | 1,040.3458% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 3,408 |
| Noncurrent loans to loans | 0.3404% | 3,177 |
| Net loans and leases to total assets | 64.8380% | 2,778 |
| Net loans and leases to deposits | 76.8291% | 2,775 |
| Net loans and leases to core deposits | 103.7323% | 1,019 |
| Total domestic deposits to total assets | 84.3925% | 2,600 |
| Equity capital to assets | 15.3589% | 561 |
| Core capital (leverage) ratio | 16.8903% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6376% | 820 |
| Memoranda: | ||
| Average total assets | $135,393,333 | 3,540 |
| Average earning assets | $128,328,667 | 3,495 |
| Average equity | $22,541,667 | 2,958 |
| Average total loans | $89,988,333 | 3,413 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2305% | 56 |
| Cost of funding earning assets | 1.6778% | 145 |
| Net interest margin | 5.5527% | 83 |
| Noninterest income to average assets | 2.0660% | 257 |
| Noninterest expense to average assets | 2.4931% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 3.6098% | 45 |
| Return on assets (ROA) | 3.9248% | 43 |
| Pretax return on assets | 5.2091% | 34 |
| Return on Equity (ROE) | 22.4452% | 103 |
| Retained earnings to average equity (ytd only) | 20.4700% | 58 |
| Net charge-offs to loans | 0.3714% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 19.6410% | 1,434 |
| Efficiency ratio | 34.1359% | 5,043 |
| Assets per employee ($millions) | 7.6454% | 847 |
| Cash dividends to net income (ytd only)* | 8.8000% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2220% | 63 |
| Loan loss allowance to noncurrent loans | 26,400.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,595 |
| Noncurrent loans to loans | 0.0160% | 4,506 |
| Net loans and leases to total assets | 64.5100% | 3,003 |
| Net loans and leases to deposits | 78.5455% | 2,831 |
| Net loans and leases to core deposits | 104.2239% | 1,177 |
| Total domestic deposits to total assets | 82.1308% | 3,378 |
| Equity capital to assets | 17.6384% | 384 |
| Core capital (leverage) ratio | 18.5377% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5191% | 695 |
| Memoranda: | ||
| Average total assets | $127,393,500 | 3,611 |
| Average earning assets | $120,157,500 | 3,579 |
| Average equity | $22,276,500 | 2,976 |
| Average total loans | $84,011,500 | 3,515 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6112% | 95 |
| Cost of funding earning assets | 1.5932% | 309 |
| Net interest margin | 5.0180% | 262 |
| Noninterest income to average assets | 0.9767% | 1,021 |
| Noninterest expense to average assets | 3.3032% | 1,289 |
| Loan and lease loss provision to assets | 1.1806% | 77 |
| Net operating income to assets | 1.1482% | 2,262 |
| Return on assets (ROA) | 1.1459% | 2,366 |
| Pretax return on assets | 1.2128% | 2,794 |
| Return on Equity (ROE) | 6.6818% | 3,668 |
| Retained earnings to average equity (ytd only) | 3.9283% | 3,001 |
| Net charge-offs to loans | 2.4200% | 48 |
| Credit loss provision to net charge-offs | 70.7881% | 2,904 |
| Earnings coverage of net charge-offs (x) | 1.4365% | 3,542 |
| Efficiency ratio | 57.9616% | 3,968 |
| Assets per employee ($millions) | 4.6228% | 3,055 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6905% | 39 |
| Loan loss allowance to noncurrent loans | 1,620.1717% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 3,721 |
| Noncurrent loans to loans | 0.2895% | 3,397 |
| Net loans and leases to total assets | 61.4566% | 3,453 |
| Net loans and leases to deposits | 74.5495% | 3,301 |
| Net loans and leases to core deposits | 105.5872% | 1,134 |
| Total domestic deposits to total assets | 82.4372% | 3,387 |
| Equity capital to assets | 17.3280% | 425 |
| Core capital (leverage) ratio | 17.6190% | 364 |
| Tier 1 risk-based capital ratio | 20.5794% | 1,241 |
| Total risk-based capital ratio | 21.8585% | 1,202 |
| Memoranda: | ||
| Average total assets | $127,057,600 | 3,602 |
| Average earning assets | $119,570,600 | 3,563 |
| Average equity | $21,790,600 | 2,982 |
| Average total loans | $87,562,800 | 3,458 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7503% | 86 |
| Cost of funding earning assets | 1.5443% | 357 |
| Net interest margin | 5.2060% | 197 |
| Noninterest income to average assets | 0.9664% | 1,006 |
| Noninterest expense to average assets | 2.5001% | 3,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5053% | 160 |
| Return on assets (ROA) | 2.5053% | 170 |
| Pretax return on assets | 3.3725% | 90 |
| Return on Equity (ROE) | 14.6453% | 862 |
| Retained earnings to average equity (ytd only) | 11.6527% | 425 |
| Net charge-offs to loans | 0.0493% | 2,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 97.8157% | 765 |
| Efficiency ratio | 42.5725% | 5,060 |
| Assets per employee ($millions) | 4.6505% | 2,970 |
| Cash dividends to net income (ytd only)* | 20.4338% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8093% | 42 |
| Loan loss allowance to noncurrent loans | 236.6251% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 774 |
| Noncurrent loans to loans | 2.0325% | 662 |
| Net loans and leases to total assets | 68.7434% | 2,665 |
| Net loans and leases to deposits | 84.3615% | 2,411 |
| Net loans and leases to core deposits | 119.1483% | 564 |
| Total domestic deposits to total assets | 81.4867% | 3,617 |
| Equity capital to assets | 18.1302% | 384 |
| Core capital (leverage) ratio | 18.4617% | 321 |
| Tier 1 risk-based capital ratio | 20.4946% | 1,288 |
| Total risk-based capital ratio | 21.7782% | 1,249 |
| Memoranda: | ||
| Average total assets | $127,618,250 | 3,631 |
| Average earning assets | $120,269,000 | 3,599 |
| Average equity | $21,831,250 | 2,997 |
| Average total loans | $89,333,000 | 3,450 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1011% | 69 |
| Cost of funding earning assets | 1.4577% | 436 |
| Net interest margin | 5.6434% | 99 |
| Noninterest income to average assets | 1.3671% | 467 |
| Noninterest expense to average assets | 2.4972% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.1020% | 79 |
| Return on assets (ROA) | 3.1020% | 84 |
| Pretax return on assets | 4.1807% | 56 |
| Return on Equity (ROE) | 18.4944% | 355 |
| Retained earnings to average equity (ytd only) | 14.9628% | 173 |
| Net charge-offs to loans | 0.0743% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 81.2727% | 808 |
| Efficiency ratio | 37.3950% | 5,196 |
| Assets per employee ($millions) | 4.7513% | 2,804 |
| Cash dividends to net income (ytd only)* | 19.0955% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8226% | 35 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 4,575 |
| Noncurrent loans to loans | 0.0542% | 4,442 |
| Net loans and leases to total assets | 67.0907% | 2,951 |
| Net loans and leases to deposits | 81.5486% | 2,780 |
| Net loans and leases to core deposits | 114.2273% | 772 |
| Total domestic deposits to total assets | 82.2709% | 3,440 |
| Equity capital to assets | 17.4547% | 426 |
| Core capital (leverage) ratio | 18.0913% | 332 |
| Tier 1 risk-based capital ratio | 21.6221% | 1,103 |
| Total risk-based capital ratio | 22.9096% | 1,077 |
| Memoranda: | ||
| Average total assets | $128,303,000 | 3,641 |
| Average earning assets | $120,742,000 | 3,614 |
| Average equity | $21,520,000 | 3,019 |
| Average total loans | $88,884,670 | 3,482 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9016% | 51 |
| Cost of funding earning assets | 1.3574% | 535 |
| Net interest margin | 6.5442% | 51 |
| Noninterest income to average assets | 2.5964% | 179 |
| Noninterest expense to average assets | 2.4965% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.5936% | 43 |
| Return on assets (ROA) | 4.5936% | 46 |
| Pretax return on assets | 6.2382% | 39 |
| Return on Equity (ROE) | 28.1225% | 61 |
| Retained earnings to average equity (ytd only) | 26.0209% | 45 |
| Net charge-offs to loans | -0.0045% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5816% | 5,322 |
| Assets per employee ($millions) | 4.6867% | 2,935 |
| Cash dividends to net income (ytd only)* | 7.4728% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1865% | 31 |
| Loan loss allowance to noncurrent loans | 73,250.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,858 |
| Noncurrent loans to loans | 0.0071% | 4,766 |
| Net loans and leases to total assets | 63.4920% | 3,348 |
| Net loans and leases to deposits | 76.9940% | 3,166 |
| Net loans and leases to core deposits | 102.8548% | 1,391 |
| Total domestic deposits to total assets | 82.4635% | 3,594 |
| Equity capital to assets | 17.2907% | 417 |
| Core capital (leverage) ratio | 18.4088% | 311 |
| Tier 1 risk-based capital ratio | 21.6274% | 1,093 |
| Total risk-based capital ratio | 22.9162% | 1,071 |
| Memoranda: | ||
| Average total assets | $128,178,000 | 3,678 |
| Average earning assets | $120,229,500 | 3,656 |
| Average equity | $20,937,000 | 3,075 |
| Average total loans | $88,112,500 | 3,533 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9019% | 67 |
| Cost of funding earning assets | 1.0822% | 528 |
| Net interest margin | 5.8198% | 79 |
| Noninterest income to average assets | 1.0173% | 914 |
| Noninterest expense to average assets | 3.3423% | 1,237 |
| Loan and lease loss provision to assets | 1.5822% | 42 |
| Net operating income to assets | 1.2808% | 1,873 |
| Return on assets (ROA) | 1.2808% | 1,870 |
| Pretax return on assets | 1.5980% | 1,474 |
| Return on Equity (ROE) | 8.0303% | 3,425 |
| Retained earnings to average equity (ytd only) | 4.3599% | 3,145 |
| Net charge-offs to loans | 0.0252% | 2,901 |
| Credit loss provision to net charge-offs | 8,695.6522% | 54 |
| Earnings coverage of net charge-offs (x) | 174.7826% | 501 |
| Efficiency ratio | 51.2432% | 4,861 |
| Assets per employee ($millions) | 4.8079% | 2,731 |
| Cash dividends to net income (ytd only)* | 45.7072% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8029% | 39 |
| Loan loss allowance to noncurrent loans | 48,822.2222% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,879 |
| Noncurrent loans to loans | 0.0098% | 4,765 |
| Net loans and leases to total assets | 67.0898% | 2,985 |
| Net loans and leases to deposits | 87.4690% | 2,119 |
| Net loans and leases to core deposits | 117.9246% | 620 |
| Total domestic deposits to total assets | 76.7013% | 4,677 |
| Equity capital to assets | 15.4020% | 632 |
| Core capital (leverage) ratio | 15.6074% | 579 |
| Tier 1 risk-based capital ratio | 19.6599% | 1,368 |
| Total risk-based capital ratio | 20.9482% | 1,325 |
| Memoranda: | ||
| Average total assets | $126,410,200 | 3,691 |
| Average earning assets | $119,575,200 | 3,651 |
| Average equity | $20,161,200 | 3,073 |
| Average total loans | $91,251,600 | 3,459 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9437% | 65 |
| Cost of funding earning assets | 0.9555% | 730 |
| Net interest margin | 5.9882% | 73 |
| Noninterest income to average assets | 1.2860% | 586 |
| Noninterest expense to average assets | 2.5592% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.2579% | 65 |
| Return on assets (ROA) | 3.2579% | 64 |
| Pretax return on assets | 4.4037% | 53 |
| Return on Equity (ROE) | 20.2473% | 260 |
| Retained earnings to average equity (ytd only) | 16.0896% | 131 |
| Net charge-offs to loans | 0.0307% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 197.4714% | 441 |
| Efficiency ratio | 36.7546% | 5,380 |
| Assets per employee ($millions) | 5.0884% | 2,354 |
| Cash dividends to net income (ytd only)* | 20.5346% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2800% | 315 |
| Loan loss allowance to noncurrent loans | 1,736.2319% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 4,245 |
| Noncurrent loans to loans | 0.1313% | 4,291 |
| Net loans and leases to total assets | 74.7452% | 1,864 |
| Net loans and leases to deposits | 114.4164% | 175 |
| Net loans and leases to core deposits | 161.8762% | 85 |
| Total domestic deposits to total assets | 65.3274% | 5,334 |
| Equity capital to assets | 15.5137% | 613 |
| Core capital (leverage) ratio | 16.5186% | 454 |
| Tier 1 risk-based capital ratio | 18.5313% | 1,654 |
| Total risk-based capital ratio | 19.7915% | 1,612 |
| Memoranda: | ||
| Average total assets | $125,559,250 | 3,739 |
| Average earning assets | $119,030,750 | 3,697 |
| Average equity | $20,203,000 | 3,102 |
| Average total loans | $91,193,000 | 3,478 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1995% | 56 |
| Cost of funding earning assets | 0.8450% | 942 |
| Net interest margin | 6.3545% | 57 |
| Noninterest income to average assets | 1.3321% | 544 |
| Noninterest expense to average assets | 2.6477% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.4732% | 62 |
| Return on assets (ROA) | 3.4732% | 62 |
| Pretax return on assets | 4.6951% | 47 |
| Return on Equity (ROE) | 21.2982% | 191 |
| Retained earnings to average equity (ytd only) | 16.0543% | 156 |
| Net charge-offs to loans | 0.0485% | 1,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 135.9524% | 562 |
| Efficiency ratio | 36.0582% | 5,449 |
| Assets per employee ($millions) | 4.8296% | 2,645 |
| Cash dividends to net income (ytd only)* | 24.6212% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4791% | 250 |
| Loan loss allowance to noncurrent loans | 1,114.4186% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 3,967 |
| Noncurrent loans to loans | 0.2225% | 3,926 |
| Net loans and leases to total assets | 72.2784% | 2,231 |
| Net loans and leases to deposits | 103.8785% | 534 |
| Net loans and leases to core deposits | 146.2775% | 148 |
| Total domestic deposits to total assets | 69.5798% | 5,290 |
| Equity capital to assets | 15.8083% | 534 |
| Core capital (leverage) ratio | 17.5595% | 344 |
| Tier 1 risk-based capital ratio | 19.3887% | 1,457 |
| Total risk-based capital ratio | 20.6500% | 1,416 |
| Memoranda: | ||
| Average total assets | $121,616,330 | 3,833 |
| Average earning assets | $115,036,000 | 3,792 |
| Average equity | $19,832,670 | 3,145 |
| Average total loans | $86,561,670 | 3,590 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1077% | 35 |
| Cost of funding earning assets | 0.7562% | 1,159 |
| Net interest margin | 7.3515% | 32 |
| Noninterest income to average assets | 0.2969% | 4,175 |
| Noninterest expense to average assets | 2.6752% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.3304% | 68 |
| Return on assets (ROA) | 3.3304% | 69 |
| Pretax return on assets | 4.5212% | 54 |
| Return on Equity (ROE) | 20.0802% | 241 |
| Retained earnings to average equity (ytd only) | 11.6449% | 754 |
| Net charge-offs to loans | -0.0196% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1740% | 5,499 |
| Assets per employee ($millions) | 4.3926% | 3,331 |
| Cash dividends to net income (ytd only)* | 42.0082% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8763% | 173 |
| Loan loss allowance to noncurrent loans | 2,070.0855% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 4,360 |
| Noncurrent loans to loans | 0.1389% | 4,346 |
| Net loans and leases to total assets | 68.9578% | 2,636 |
| Net loans and leases to deposits | 83.8097% | 2,404 |
| Net loans and leases to core deposits | 114.8490% | 764 |
| Total domestic deposits to total assets | 82.2791% | 3,877 |
| Equity capital to assets | 16.5590% | 431 |
| Core capital (leverage) ratio | 17.2844% | 355 |
| Tier 1 risk-based capital ratio | 20.0476% | 1,332 |
| Total risk-based capital ratio | 21.3132% | 1,301 |
| Memoranda: | ||
| Average total assets | $117,224,500 | 3,945 |
| Average earning assets | $110,019,000 | 3,915 |
| Average equity | $19,442,000 | 3,208 |
| Average total loans | $81,519,000 | 3,721 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9281% | 148 |
| Cost of funding earning assets | 0.6443% | 1,332 |
| Net interest margin | 5.2838% | 150 |
| Noninterest income to average assets | 0.9891% | 1,045 |
| Noninterest expense to average assets | 3.4644% | 1,095 |
| Loan and lease loss provision to assets | 0.4121% | 351 |
| Net operating income to assets | 1.7969% | 425 |
| Return on assets (ROA) | 1.7969% | 433 |
| Pretax return on assets | 2.1687% | 335 |
| Return on Equity (ROE) | 11.6712% | 1,295 |
| Retained earnings to average equity (ytd only) | 9.3156% | 455 |
| Net charge-offs to loans | 0.0144% | 3,604 |
| Credit loss provision to net charge-offs | 4,166.6667% | 96 |
| Earnings coverage of net charge-offs (x) | 260.9167% | 321 |
| Efficiency ratio | 57.3084% | 4,613 |
| Assets per employee ($millions) | 4.2907% | 3,499 |
| Cash dividends to net income (ytd only)* | 20.1835% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0673% | 132 |
| Loan loss allowance to noncurrent loans | 2,049.1525% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,224 |
| Noncurrent loans to loans | 0.1497% | 4,326 |
| Net loans and leases to total assets | 65.9600% | 3,104 |
| Net loans and leases to deposits | 88.3900% | 1,972 |
| Net loans and leases to core deposits | 114.7220% | 768 |
| Total domestic deposits to total assets | 74.6239% | 5,119 |
| Equity capital to assets | 16.6121% | 439 |
| Core capital (leverage) ratio | 15.6054% | 524 |
| Tier 1 risk-based capital ratio | 21.3832% | 1,083 |
| Total risk-based capital ratio | 22.6510% | 1,059 |
| Memoranda: | ||
| Average total assets | $121,319,000 | 3,869 |
| Average earning assets | $116,090,200 | 3,816 |
| Average equity | $18,678,400 | 3,281 |
| Average total loans | $83,063,000 | 3,680 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9993% | 132 |
| Cost of funding earning assets | 0.5938% | 1,574 |
| Net interest margin | 5.4055% | 120 |
| Noninterest income to average assets | 0.9716% | 1,091 |
| Noninterest expense to average assets | 2.6267% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1811% | 222 |
| Return on assets (ROA) | 2.1811% | 226 |
| Pretax return on assets | 3.5385% | 83 |
| Return on Equity (ROE) | 14.4358% | 749 |
| Retained earnings to average equity (ytd only) | 12.0622% | 293 |
| Net charge-offs to loans | 0.0206% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 250.5032% | 351 |
| Efficiency ratio | 42.6053% | 5,524 |
| Assets per employee ($millions) | 4.6566% | 2,897 |
| Cash dividends to net income (ytd only)* | 16.4425% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1618% | 432 |
| Loan loss allowance to noncurrent loans | 1,611.7647% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 4,432 |
| Noncurrent loans to loans | 0.1341% | 4,521 |
| Net loans and leases to total assets | 69.0427% | 2,688 |
| Net loans and leases to deposits | 90.3495% | 1,770 |
| Net loans and leases to core deposits | 129.6986% | 347 |
| Total domestic deposits to total assets | 76.4173% | 4,967 |
| Equity capital to assets | 15.3593% | 663 |
| Core capital (leverage) ratio | 15.4249% | 590 |
| Tier 1 risk-based capital ratio | 19.5848% | 1,458 |
| Total risk-based capital ratio | 20.8437% | 1,424 |
| Memoranda: | ||
| Average total assets | $122,686,500 | 3,893 |
| Average earning assets | $117,877,000 | 3,822 |
| Average equity | $18,536,750 | 3,324 |
| Average total loans | $84,120,750 | 3,682 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8154% | 161 |
| Cost of funding earning assets | 0.5288% | 1,930 |
| Net interest margin | 5.2866% | 145 |
| Noninterest income to average assets | 1.3758% | 564 |
| Noninterest expense to average assets | 2.4739% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.4673% | 139 |
| Return on assets (ROA) | 2.4673% | 138 |
| Pretax return on assets | 3.9960% | 72 |
| Return on Equity (ROE) | 16.4235% | 471 |
| Retained earnings to average equity (ytd only) | 14.0163% | 180 |
| Net charge-offs to loans | 0.0387% | 2,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 151.9375% | 502 |
| Efficiency ratio | 38.2368% | 5,659 |
| Assets per employee ($millions) | 4.5555% | 3,024 |
| Cash dividends to net income (ytd only)* | 14.6569% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 513 |
| Loan loss allowance to noncurrent loans | 1,608.4034% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,806 |
| Noncurrent loans to loans | 0.1303% | 4,601 |
| Net loans and leases to total assets | 72.7207% | 2,091 |
| Net loans and leases to deposits | 87.6508% | 2,031 |
| Net loans and leases to core deposits | 122.0925% | 487 |
| Total domestic deposits to total assets | 82.9664% | 3,581 |
| Equity capital to assets | 15.3986% | 632 |
| Core capital (leverage) ratio | 14.9602% | 637 |
| Tier 1 risk-based capital ratio | 18.8103% | 1,636 |
| Total risk-based capital ratio | 20.0680% | 1,592 |
| Memoranda: | ||
| Average total assets | $121,672,670 | 3,937 |
| Average earning assets | $117,240,670 | 3,852 |
| Average equity | $18,278,670 | 3,363 |
| Average total loans | $82,586,330 | 3,729 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9817% | 125 |
| Cost of funding earning assets | 0.4038% | 2,960 |
| Net interest margin | 5.5779% | 99 |
| Noninterest income to average assets | 2.5452% | 229 |
| Noninterest expense to average assets | 2.4924% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.3551% | 78 |
| Return on assets (ROA) | 3.3551% | 78 |
| Pretax return on assets | 5.4409% | 53 |
| Return on Equity (ROE) | 22.6209% | 131 |
| Retained earnings to average equity (ytd only) | 20.1694% | 105 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4167% | 5,797 |
| Assets per employee ($millions) | 4.9441% | 2,515 |
| Cash dividends to net income (ytd only)* | 10.8374% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 347 |
| Loan loss allowance to noncurrent loans | 1,595.0413% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,906 |
| Noncurrent loans to loans | 0.1515% | 4,582 |
| Net loans and leases to total assets | 58.3782% | 3,938 |
| Net loans and leases to deposits | 68.1782% | 3,975 |
| Net loans and leases to core deposits | 93.8881% | 1,991 |
| Total domestic deposits to total assets | 85.6259% | 2,828 |
| Equity capital to assets | 13.8100% | 968 |
| Core capital (leverage) ratio | 16.3314% | 423 |
| Tier 1 risk-based capital ratio | 19.7390% | 1,440 |
| Total risk-based capital ratio | 20.9991% | 1,409 |
| Memoranda: | ||
| Average total assets | $121,010,000 | 3,980 |
| Average earning assets | $116,890,500 | 3,897 |
| Average equity | $17,948,000 | 3,415 |
| Average total loans | $78,200,000 | 3,859 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5938% | 220 |
| Cost of funding earning assets | 0.3788% | 3,218 |
| Net interest margin | 5.2150% | 165 |
| Noninterest income to average assets | 0.7914% | 1,776 |
| Noninterest expense to average assets | 3.5302% | 1,114 |
| Loan and lease loss provision to assets | 0.4093% | 374 |
| Net operating income to assets | 1.1404% | 1,729 |
| Return on assets (ROA) | 1.1416% | 1,819 |
| Pretax return on assets | 1.8756% | 657 |
| Return on Equity (ROE) | 7.0402% | 3,444 |
| Retained earnings to average equity (ytd only) | 2.4795% | 4,101 |
| Net charge-offs to loans | 0.0368% | 3,290 |
| Credit loss provision to net charge-offs | 1,666.6667% | 259 |
| Earnings coverage of net charge-offs (x) | 92.9630% | 636 |
| Efficiency ratio | 60.7260% | 4,464 |
| Assets per employee ($millions) | 4.0196% | 3,929 |
| Cash dividends to net income (ytd only)* | 64.7809% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5215% | 305 |
| Loan loss allowance to noncurrent loans | 1,595.0413% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,866 |
| Noncurrent loans to loans | 0.1581% | 4,607 |
| Net loans and leases to total assets | 68.7469% | 2,658 |
| Net loans and leases to deposits | 82.0695% | 2,662 |
| Net loans and leases to core deposits | 101.2856% | 1,506 |
| Total domestic deposits to total assets | 83.7667% | 3,515 |
| Equity capital to assets | 16.0886% | 489 |
| Core capital (leverage) ratio | 15.2020% | 578 |
| Tier 1 risk-based capital ratio | 21.1466% | 1,182 |
| Total risk-based capital ratio | 22.4097% | 1,166 |
| Memoranda: | ||
| Average total assets | $109,935,800 | 4,161 |
| Average earning assets | $105,866,800 | 4,077 |
| Average equity | $17,826,200 | 3,431 |
| Average total loans | $73,429,800 | 3,954 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6592% | 203 |
| Cost of funding earning assets | 0.3438% | 3,614 |
| Net interest margin | 5.3154% | 146 |
| Noninterest income to average assets | 0.9454% | 1,261 |
| Noninterest expense to average assets | 2.6947% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1818% | 255 |
| Return on assets (ROA) | 2.1833% | 266 |
| Pretax return on assets | 3.3741% | 95 |
| Return on Equity (ROE) | 13.4390% | 935 |
| Retained earnings to average equity (ytd only) | 8.2078% | 1,083 |
| Net charge-offs to loans | 0.0496% | 2,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 103.2936% | 639 |
| Efficiency ratio | 44.4201% | 5,732 |
| Assets per employee ($millions) | 4.4941% | 3,094 |
| Cash dividends to net income (ytd only)* | 38.9258% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 1,299 |
| Loan loss allowance to noncurrent loans | 1,120.4545% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,990 |
| Noncurrent loans to loans | 0.1485% | 4,750 |
| Net loans and leases to total assets | 72.0405% | 2,192 |
| Net loans and leases to deposits | 89.7668% | 1,789 |
| Net loans and leases to core deposits | 124.7115% | 398 |
| Total domestic deposits to total assets | 80.2530% | 4,452 |
| Equity capital to assets | 15.2308% | 685 |
| Core capital (leverage) ratio | 15.2420% | 587 |
| Tier 1 risk-based capital ratio | 18.6038% | 1,765 |
| Total risk-based capital ratio | 19.8569% | 1,725 |
| Memoranda: | ||
| Average total assets | $110,287,250 | 4,188 |
| Average earning assets | $106,254,250 | 4,099 |
| Average equity | $17,917,500 | 3,447 |
| Average total loans | $72,652,000 | 4,003 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8573% | 152 |
| Cost of funding earning assets | 0.2862% | 4,282 |
| Net interest margin | 5.5710% | 102 |
| Noninterest income to average assets | 1.3264% | 646 |
| Noninterest expense to average assets | 2.7185% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.5697% | 138 |
| Return on assets (ROA) | 2.5722% | 137 |
| Pretax return on assets | 3.9793% | 74 |
| Return on Equity (ROE) | 15.4656% | 615 |
| Retained earnings to average equity (ytd only) | 8.7762% | 910 |
| Net charge-offs to loans | -0.0030% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6110% | 5,895 |
| Assets per employee ($millions) | 4.3757% | 3,257 |
| Cash dividends to net income (ytd only)* | 43.2531% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 911 |
| Loan loss allowance to noncurrent loans | 2,353.1250% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 5,342 |
| Noncurrent loans to loans | 0.0803% | 5,131 |
| Net loans and leases to total assets | 66.1441% | 3,060 |
| Net loans and leases to deposits | 87.7217% | 2,030 |
| Net loans and leases to core deposits | 126.3415% | 366 |
| Total domestic deposits to total assets | 75.4023% | 5,367 |
| Equity capital to assets | 15.3718% | 654 |
| Core capital (leverage) ratio | 17.2073% | 348 |
| Tier 1 risk-based capital ratio | 19.4081% | 1,588 |
| Total risk-based capital ratio | 20.6632% | 1,550 |
| Memoranda: | ||
| Average total assets | $106,603,000 | 4,301 |
| Average earning assets | $102,709,670 | 4,206 |
| Average equity | $17,729,670 | 3,480 |
| Average total loans | $67,238,330 | 4,166 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7873% | 164 |
| Cost of funding earning assets | 0.2968% | 4,197 |
| Net interest margin | 5.4905% | 119 |
| Noninterest income to average assets | 1.3607% | 597 |
| Noninterest expense to average assets | 2.7214% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4703% | 163 |
| Return on assets (ROA) | 2.4754% | 166 |
| Pretax return on assets | 3.9313% | 78 |
| Return on Equity (ROE) | 14.2515% | 794 |
| Retained earnings to average equity (ytd only) | 11.7392% | 541 |
| Net charge-offs to loans | 0.0262% | 2,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 247.2500% | 248 |
| Efficiency ratio | 40.9552% | 5,944 |
| Assets per employee ($millions) | 3.7391% | 4,410 |
| Cash dividends to net income (ytd only)* | 17.6282% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4508% | 409 |
| Loan loss allowance to noncurrent loans | 1,112.5926% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 5,042 |
| Noncurrent loans to loans | 0.2203% | 4,639 |
| Net loans and leases to total assets | 59.2163% | 3,886 |
| Net loans and leases to deposits | 72.4932% | 3,606 |
| Net loans and leases to core deposits | 93.0909% | 2,082 |
| Total domestic deposits to total assets | 81.6853% | 4,311 |
| Equity capital to assets | 17.6758% | 355 |
| Core capital (leverage) ratio | 17.9290% | 298 |
| Tier 1 risk-based capital ratio | 23.7318% | 944 |
| Total risk-based capital ratio | 24.9912% | 931 |
| Memoranda: | ||
| Average total assets | $100,832,000 | 4,453 |
| Average earning assets | $97,040,500 | 4,359 |
| Average equity | $17,514,000 | 3,510 |
| Average total loans | $61,031,500 | 4,342 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0606% | 557 |
| Cost of funding earning assets | 0.2753% | 4,532 |
| Net interest margin | 4.7853% | 384 |
| Noninterest income to average assets | 0.3765% | 4,212 |
| Noninterest expense to average assets | 3.2541% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1096% | 1,882 |
| Return on assets (ROA) | 1.1257% | 1,882 |
| Pretax return on assets | 1.7473% | 899 |
| Return on Equity (ROE) | 7.0475% | 3,489 |
| Retained earnings to average equity (ytd only) | 3.0220% | 3,903 |
| Net charge-offs to loans | 0.0065% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 144 |
| Efficiency ratio | 65.3933% | 4,007 |
| Assets per employee ($millions) | 3.7299% | 4,413 |
| Cash dividends to net income (ytd only)* | 57.1192% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 407 |
| Loan loss allowance to noncurrent loans | 1,060.5634% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 5,027 |
| Noncurrent loans to loans | 0.2336% | 4,589 |
| Net loans and leases to total assets | 58.8559% | 3,990 |
| Net loans and leases to deposits | 73.0041% | 3,614 |
| Net loans and leases to core deposits | 95.8706% | 1,863 |
| Total domestic deposits to total assets | 80.6200% | 4,581 |
| Equity capital to assets | 17.0624% | 405 |
| Core capital (leverage) ratio | 15.4771% | 537 |
| Tier 1 risk-based capital ratio | 24.2675% | 890 |
| Total risk-based capital ratio | 25.5279% | 872 |
| Memoranda: | ||
| Average total assets | $107,309,800 | 4,311 |
| Average earning assets | $103,149,200 | 4,207 |
| Average equity | $17,140,800 | 3,510 |
| Average total loans | $61,336,400 | 4,340 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 442 |
| Cost of funding earning assets | 0.2697% | 4,670 |
| Net interest margin | 4.9289% | 298 |
| Noninterest income to average assets | 0.4319% | 3,854 |
| Noninterest expense to average assets | 2.5538% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5815% | 807 |
| Return on assets (ROA) | 1.6042% | 793 |
| Pretax return on assets | 2.6553% | 189 |
| Return on Equity (ROE) | 10.2039% | 2,024 |
| Retained earnings to average equity (ytd only) | 7.6354% | 1,401 |
| Net charge-offs to loans | 0.0108% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 427.9760% | 171 |
| Efficiency ratio | 49.3614% | 5,811 |
| Assets per employee ($millions) | 4.4676% | 3,071 |
| Cash dividends to net income (ytd only)* | 25.1716% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 796 |
| Loan loss allowance to noncurrent loans | 9,406.2500% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 5,750 |
| Noncurrent loans to loans | 0.0222% | 5,546 |
| Net loans and leases to total assets | 58.5754% | 4,071 |
| Net loans and leases to deposits | 80.7636% | 2,792 |
| Net loans and leases to core deposits | 113.5127% | 690 |
| Total domestic deposits to total assets | 72.5270% | 5,825 |
| Equity capital to assets | 14.6820% | 814 |
| Core capital (leverage) ratio | 14.5119% | 734 |
| Tier 1 risk-based capital ratio | 21.1945% | 1,312 |
| Total risk-based capital ratio | 22.4516% | 1,293 |
| Memoranda: | ||
| Average total assets | $108,960,500 | 4,323 |
| Average earning assets | $104,821,250 | 4,218 |
| Average equity | $17,130,250 | 3,537 |
| Average total loans | $61,476,000 | 4,382 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 383 |
| Cost of funding earning assets | 0.2715% | 4,699 |
| Net interest margin | 4.9945% | 250 |
| Noninterest income to average assets | 0.5101% | 3,304 |
| Noninterest expense to average assets | 2.6420% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5933% | 753 |
| Return on assets (ROA) | 1.6274% | 741 |
| Pretax return on assets | 2.7181% | 183 |
| Return on Equity (ROE) | 10.0962% | 2,029 |
| Retained earnings to average equity (ytd only) | 7.4984% | 1,479 |
| Net charge-offs to loans | 0.0138% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 350.0000% | 201 |
| Efficiency ratio | 49.7848% | 5,863 |
| Assets per employee ($millions) | 4.3458% | 3,221 |
| Cash dividends to net income (ytd only)* | 25.7310% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 820 |
| Loan loss allowance to noncurrent loans | 7,926.3158% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,829 |
| Noncurrent loans to loans | 0.0268% | 5,652 |
| Net loans and leases to total assets | 59.1523% | 3,952 |
| Net loans and leases to deposits | 79.9215% | 2,798 |
| Net loans and leases to core deposits | 128.4554% | 301 |
| Total domestic deposits to total assets | 74.0131% | 5,792 |
| Equity capital to assets | 14.6741% | 776 |
| Core capital (leverage) ratio | 15.4470% | 548 |
| Tier 1 risk-based capital ratio | 20.8464% | 1,395 |
| Total risk-based capital ratio | 22.1038% | 1,366 |
| Memoranda: | ||
| Average total assets | $105,072,670 | 4,442 |
| Average earning assets | $100,910,670 | 4,347 |
| Average equity | $16,937,000 | 3,571 |
| Average total loans | $57,914,330 | 4,513 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4040% | 301 |
| Cost of funding earning assets | 0.2611% | 4,894 |
| Net interest margin | 5.1429% | 189 |
| Noninterest income to average assets | 0.4407% | 3,690 |
| Noninterest expense to average assets | 2.6440% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6778% | 620 |
| Return on assets (ROA) | 1.6778% | 647 |
| Pretax return on assets | 2.7329% | 180 |
| Return on Equity (ROE) | 9.8830% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.2634% | 1,878 |
| Net charge-offs to loans | 0.0078% | 3,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 676.0000% | 71 |
| Efficiency ratio | 49.1729% | 5,967 |
| Assets per employee ($millions) | 3.7938% | 4,349 |
| Cash dividends to net income (ytd only)* | 26.5060% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7189% | 396 |
| Loan loss allowance to noncurrent loans | 7,180.9524% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 5,861 |
| Noncurrent loans to loans | 0.0379% | 5,636 |
| Net loans and leases to total assets | 52.6744% | 4,592 |
| Net loans and leases to deposits | 64.9188% | 4,279 |
| Net loans and leases to core deposits | 76.5019% | 3,539 |
| Total domestic deposits to total assets | 81.1389% | 4,791 |
| Equity capital to assets | 16.6489% | 475 |
| Core capital (leverage) ratio | 16.3970% | 422 |
| Tier 1 risk-based capital ratio | 24.7712% | 910 |
| Total risk-based capital ratio | 26.0332% | 893 |
| Memoranda: | ||
| Average total assets | $98,941,000 | 4,603 |
| Average earning assets | $94,966,000 | 4,533 |
| Average equity | $16,796,500 | 3,618 |
| Average total loans | $51,415,000 | 4,752 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 1,114 |
| Cost of funding earning assets | 0.3102% | 4,677 |
| Net interest margin | 4.4913% | 761 |
| Noninterest income to average assets | 0.5827% | 2,968 |
| Noninterest expense to average assets | 3.0883% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1293% | 1,871 |
| Return on assets (ROA) | 1.1293% | 1,924 |
| Pretax return on assets | 1.7901% | 808 |
| Return on Equity (ROE) | 7.1848% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.4525% | 3,005 |
| Net charge-offs to loans | 0.1095% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 31.6207% | 1,285 |
| Efficiency ratio | 63.3053% | 4,702 |
| Assets per employee ($millions) | 3.5351% | 4,843 |
| Cash dividends to net income (ytd only)* | 38.0294% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1879% | 244 |
| Loan loss allowance to noncurrent loans | 2,220.5882% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 5,743 |
| Noncurrent loans to loans | 0.1436% | 5,316 |
| Net loans and leases to total assets | 48.0424% | 5,151 |
| Net loans and leases to deposits | 59.7177% | 4,927 |
| Net loans and leases to core deposits | 70.8354% | 4,236 |
| Total domestic deposits to total assets | 80.4492% | 4,892 |
| Equity capital to assets | 17.3276% | 388 |
| Core capital (leverage) ratio | 16.3231% | 437 |
| Tier 1 risk-based capital ratio | 27.3237% | 653 |
| Total risk-based capital ratio | 28.5896% | 636 |
| Memoranda: | ||
| Average total assets | $102,451,400 | 4,536 |
| Average earning assets | $97,990,200 | 4,449 |
| Average equity | $16,103,400 | 3,650 |
| Average total loans | $52,954,800 | 4,728 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 868 |
| Cost of funding earning assets | 0.3170% | 4,704 |
| Net interest margin | 4.6177% | 592 |
| Noninterest income to average assets | 0.6334% | 2,665 |
| Noninterest expense to average assets | 2.5949% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4395% | 1,051 |
| Return on assets (ROA) | 1.4395% | 1,093 |
| Pretax return on assets | 2.4554% | 229 |
| Return on Equity (ROE) | 9.3780% | 2,510 |
| Retained earnings to average equity (ytd only) | 6.6271% | 2,029 |
| Net charge-offs to loans | 0.0417% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 112.8628% | 528 |
| Efficiency ratio | 51.3808% | 6,029 |
| Assets per employee ($millions) | 4.1881% | 3,510 |
| Cash dividends to net income (ytd only)* | 29.3334% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3808% | 753 |
| Loan loss allowance to noncurrent loans | 6,204.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,081 |
| Noncurrent loans to loans | 0.0384% | 5,866 |
| Net loans and leases to total assets | 56.2408% | 4,301 |
| Net loans and leases to deposits | 75.5171% | 3,240 |
| Net loans and leases to core deposits | 102.1065% | 1,206 |
| Total domestic deposits to total assets | 74.4743% | 5,971 |
| Equity capital to assets | 14.6483% | 823 |
| Core capital (leverage) ratio | 14.7943% | 660 |
| Tier 1 risk-based capital ratio | 22.4600% | 1,195 |
| Total risk-based capital ratio | 23.7207% | 1,176 |
| Memoranda: | ||
| Average total assets | $104,202,000 | 4,537 |
| Average earning assets | $99,672,000 | 4,445 |
| Average equity | $15,994,500 | 3,688 |
| Average total loans | $54,352,000 | 4,719 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 791 |
| Cost of funding earning assets | 0.3292% | 4,652 |
| Net interest margin | 4.6442% | 534 |
| Noninterest income to average assets | 0.7230% | 2,171 |
| Noninterest expense to average assets | 2.6767% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4618% | 945 |
| Return on assets (ROA) | 1.4618% | 986 |
| Pretax return on assets | 2.4772% | 216 |
| Return on Equity (ROE) | 9.3643% | 2,429 |
| Retained earnings to average equity (ytd only) | 6.5803% | 1,991 |
| Net charge-offs to loans | 0.0709% | 2,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 734 |
| Efficiency ratio | 51.9356% | 6,067 |
| Assets per employee ($millions) | 3.9828% | 3,877 |
| Cash dividends to net income (ytd only)* | 29.7297% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5394% | 680 |
| Loan loss allowance to noncurrent loans | 5,535.7143% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 6,141 |
| Noncurrent loans to loans | 0.0459% | 5,912 |
| Net loans and leases to total assets | 55.3197% | 4,372 |
| Net loans and leases to deposits | 73.2602% | 3,427 |
| Net loans and leases to core deposits | 86.5658% | 2,464 |
| Total domestic deposits to total assets | 75.5112% | 5,967 |
| Equity capital to assets | 15.1216% | 675 |
| Core capital (leverage) ratio | 15.8813% | 493 |
| Tier 1 risk-based capital ratio | 23.1101% | 1,096 |
| Total risk-based capital ratio | 24.3712% | 1,081 |
| Memoranda: | ||
| Average total assets | $101,243,330 | 4,653 |
| Average earning assets | $96,593,000 | 4,564 |
| Average equity | $15,804,670 | 3,722 |
| Average total loans | $50,753,670 | 4,873 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 764 |
| Cost of funding earning assets | 0.3378% | 4,665 |
| Net interest margin | 4.6310% | 528 |
| Noninterest income to average assets | 0.4363% | 3,894 |
| Noninterest expense to average assets | 2.6912% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2926% | 1,239 |
| Return on assets (ROA) | 1.2926% | 1,284 |
| Pretax return on assets | 2.1611% | 382 |
| Return on Equity (ROE) | 8.1405% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.3157% | 2,910 |
| Net charge-offs to loans | 0.0614% | 2,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 75.7143% | 565 |
| Efficiency ratio | 55.4622% | 5,879 |
| Assets per employee ($millions) | 3.7829% | 4,361 |
| Cash dividends to net income (ytd only)* | 34.7003% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5040% | 267 |
| Loan loss allowance to noncurrent loans | 2,787.5000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 6,113 |
| Noncurrent loans to loans | 0.1257% | 5,732 |
| Net loans and leases to total assets | 42.0882% | 5,661 |
| Net loans and leases to deposits | 50.1067% | 5,590 |
| Net loans and leases to core deposits | 58.7476% | 5,147 |
| Total domestic deposits to total assets | 83.9971% | 4,275 |
| Equity capital to assets | 15.4144% | 612 |
| Core capital (leverage) ratio | 15.8563% | 498 |
| Tier 1 risk-based capital ratio | 27.6879% | 659 |
| Total risk-based capital ratio | 28.9553% | 648 |
| Memoranda: | ||
| Average total assets | $98,097,500 | 4,770 |
| Average earning assets | $93,543,000 | 4,695 |
| Average equity | $15,576,500 | 3,772 |
| Average total loans | $45,611,500 | 5,088 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,067 |
| Cost of funding earning assets | 0.3749% | 4,895 |
| Net interest margin | 4.5417% | 677 |
| Noninterest income to average assets | 1.3758% | 740 |
| Noninterest expense to average assets | 3.3625% | 1,967 |
| Loan and lease loss provision to assets | 0.2537% | 1,422 |
| Net operating income to assets | 1.2067% | 1,539 |
| Return on assets (ROA) | 1.2216% | 1,549 |
| Pretax return on assets | 2.0972% | 387 |
| Return on Equity (ROE) | 7.7087% | 3,191 |
| Retained earnings to average equity (ytd only) | 3.9312% | 3,411 |
| Net charge-offs to loans | 0.3389% | 1,982 |
| Credit loss provision to net charge-offs | 147.0588% | 1,582 |
| Earnings coverage of net charge-offs (x) | 13.4941% | 2,018 |
| Efficiency ratio | 59.0942% | 5,591 |
| Assets per employee ($millions) | 3.4836% | 4,929 |
| Cash dividends to net income (ytd only)* | 49.0033% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3595% | 324 |
| Loan loss allowance to noncurrent loans | 3,408.6957% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 6,227 |
| Noncurrent loans to loans | 0.0986% | 5,916 |
| Net loans and leases to total assets | 47.9560% | 5,293 |
| Net loans and leases to deposits | 57.7912% | 5,142 |
| Net loans and leases to core deposits | 68.2969% | 4,479 |
| Total domestic deposits to total assets | 82.9816% | 4,549 |
| Equity capital to assets | 16.3826% | 466 |
| Core capital (leverage) ratio | 15.9341% | 476 |
| Tier 1 risk-based capital ratio | 29.2154% | 540 |
| Total risk-based capital ratio | 30.4854% | 532 |
| Memoranda: | ||
| Average total assets | $98,559,000 | 4,777 |
| Average earning assets | $93,622,200 | 4,687 |
| Average equity | $15,618,800 | 3,759 |
| Average total loans | $50,165,600 | 4,954 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 1,063 |
| Cost of funding earning assets | 0.3728% | 5,071 |
| Net interest margin | 4.5595% | 665 |
| Noninterest income to average assets | 1.0954% | 1,214 |
| Noninterest expense to average assets | 2.8222% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6214% | 718 |
| Return on assets (ROA) | 1.6411% | 736 |
| Pretax return on assets | 2.6389% | 203 |
| Return on Equity (ROE) | 10.4392% | 2,027 |
| Retained earnings to average equity (ytd only) | 7.6316% | 1,574 |
| Net charge-offs to loans | 0.4389% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.6074% | 2,218 |
| Efficiency ratio | 51.9704% | 6,257 |
| Assets per employee ($millions) | 3.9681% | 3,900 |
| Cash dividends to net income (ytd only)* | 26.8949% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0941% | 1,518 |
| Loan loss allowance to noncurrent loans | 2,691.8367% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 6,329 |
| Noncurrent loans to loans | 0.0778% | 6,101 |
| Net loans and leases to total assets | 57.5589% | 4,083 |
| Net loans and leases to deposits | 71.7028% | 3,549 |
| Net loans and leases to core deposits | 93.0669% | 1,662 |
| Total domestic deposits to total assets | 80.2742% | 5,434 |
| Equity capital to assets | 14.7052% | 773 |
| Core capital (leverage) ratio | 14.9791% | 647 |
| Tier 1 risk-based capital ratio | 22.6205% | 1,210 |
| Total risk-based capital ratio | 23.8788% | 1,190 |
| Memoranda: | ||
| Average total assets | $99,684,500 | 4,790 |
| Average earning assets | $94,774,000 | 4,698 |
| Average equity | $15,671,250 | 3,797 |
| Average total loans | $51,038,500 | 4,970 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 1,414 |
| Cost of funding earning assets | 0.3649% | 5,265 |
| Net interest margin | 4.3988% | 849 |
| Noninterest income to average assets | 1.4486% | 752 |
| Noninterest expense to average assets | 2.8025% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8175% | 499 |
| Return on assets (ROA) | 1.8477% | 501 |
| Pretax return on assets | 2.8848% | 166 |
| Return on Equity (ROE) | 11.4809% | 1,645 |
| Retained earnings to average equity (ytd only) | 8.6682% | 1,236 |
| Net charge-offs to loans | 0.7013% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.3576% | 2,405 |
| Efficiency ratio | 49.6899% | 6,454 |
| Assets per employee ($millions) | 3.7030% | 4,393 |
| Cash dividends to net income (ytd only)* | 24.4989% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3452% | 1,180 |
| Loan loss allowance to noncurrent loans | 486.0294% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 5,676 |
| Noncurrent loans to loans | 0.4825% | 5,060 |
| Net loans and leases to total assets | 55.0590% | 4,442 |
| Net loans and leases to deposits | 69.7985% | 3,741 |
| Net loans and leases to core deposits | 83.2471% | 2,659 |
| Total domestic deposits to total assets | 78.8828% | 5,821 |
| Equity capital to assets | 15.6161% | 599 |
| Core capital (leverage) ratio | 16.3583% | 429 |
| Tier 1 risk-based capital ratio | 24.0459% | 992 |
| Total risk-based capital ratio | 25.3058% | 971 |
| Memoranda: | ||
| Average total assets | $97,199,670 | 4,877 |
| Average earning assets | $92,617,000 | 4,784 |
| Average equity | $15,643,330 | 3,829 |
| Average total loans | $47,055,670 | 5,134 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 1,129 |
| Cost of funding earning assets | 0.3684% | 5,386 |
| Net interest margin | 4.5128% | 669 |
| Noninterest income to average assets | 2.2252% | 374 |
| Noninterest expense to average assets | 2.7763% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2503% | 221 |
| Return on assets (ROA) | 2.2503% | 247 |
| Pretax return on assets | 3.7449% | 96 |
| Return on Equity (ROE) | 13.7689% | 1,007 |
| Retained earnings to average equity (ytd only) | 10.9589% | 887 |
| Net charge-offs to loans | 0.0849% | 2,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 99.6667% | 380 |
| Efficiency ratio | 42.5736% | 6,817 |
| Assets per employee ($millions) | 3.6401% | 4,696 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4864% | 417 |
| Loan loss allowance to noncurrent loans | 326.9912% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 5,186 |
| Noncurrent loans to loans | 1.0662% | 4,014 |
| Net loans and leases to total assets | 41.6294% | 5,872 |
| Net loans and leases to deposits | 50.2142% | 5,773 |
| Net loans and leases to core deposits | 59.5101% | 5,193 |
| Total domestic deposits to total assets | 82.9036% | 4,887 |
| Equity capital to assets | 16.1522% | 538 |
| Core capital (leverage) ratio | 15.6593% | 496 |
| Tier 1 risk-based capital ratio | 27.4431% | 673 |
| Total risk-based capital ratio | 28.7093% | 663 |
| Memoranda: | ||
| Average total assets | $95,809,500 | 4,953 |
| Average earning assets | $91,208,000 | 4,861 |
| Average equity | $15,658,500 | 3,881 |
| Average total loans | $42,398,500 | 5,359 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 1,753 |
| Cost of funding earning assets | 0.4395% | 5,654 |
| Net interest margin | 4.4892% | 965 |
| Noninterest income to average assets | 3.1664% | 235 |
| Noninterest expense to average assets | 3.7865% | 1,278 |
| Loan and lease loss provision to assets | 0.2623% | 2,547 |
| Net operating income to assets | 1.6497% | 686 |
| Return on assets (ROA) | 1.9263% | 452 |
| Pretax return on assets | 3.7834% | 87 |
| Return on Equity (ROE) | 11.7662% | 1,572 |
| Retained earnings to average equity (ytd only) | 5.7549% | 2,217 |
| Net charge-offs to loans | 0.2414% | 3,496 |
| Credit loss provision to net charge-offs | 225.2252% | 1,107 |
| Earnings coverage of net charge-offs (x) | 31.0270% | 981 |
| Efficiency ratio | 51.1697% | 6,513 |
| Assets per employee ($millions) | 3.4569% | 5,095 |
| Cash dividends to net income (ytd only)* | 51.0893% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5067% | 424 |
| Loan loss allowance to noncurrent loans | 341.0550% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 5,307 |
| Noncurrent loans to loans | 1.0282% | 4,147 |
| Net loans and leases to total assets | 43.8389% | 5,834 |
| Net loans and leases to deposits | 52.8671% | 5,749 |
| Net loans and leases to core deposits | 63.1552% | 5,046 |
| Total domestic deposits to total assets | 82.9228% | 4,755 |
| Equity capital to assets | 16.5447% | 472 |
| Core capital (leverage) ratio | 15.9875% | 458 |
| Tier 1 risk-based capital ratio | 29.8036% | 523 |
| Total risk-based capital ratio | 31.0736% | 516 |
| Memoranda: | ||
| Average total assets | $95,312,000 | 4,956 |
| Average earning assets | $89,882,800 | 4,873 |
| Average equity | $15,604,000 | 3,841 |
| Average total loans | $45,986,600 | 5,252 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2438% | 1,106 |
| Cost of funding earning assets | 0.4584% | 5,732 |
| Net interest margin | 4.7854% | 575 |
| Noninterest income to average assets | 3.8146% | 188 |
| Noninterest expense to average assets | 3.0700% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 3.2601% | 87 |
| Return on assets (ROA) | 3.6253% | 72 |
| Pretax return on assets | 5.8185% | 48 |
| Return on Equity (ROE) | 22.2011% | 228 |
| Retained earnings to average equity (ytd only) | 15.1615% | 226 |
| Net charge-offs to loans | 0.1649% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 65.0184% | 616 |
| Efficiency ratio | 36.9081% | 7,062 |
| Assets per employee ($millions) | 3.4541% | 5,080 |
| Cash dividends to net income (ytd only)* | 31.7083% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4828% | 1,226 |
| Loan loss allowance to noncurrent loans | 309.3525% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 5,547 |
| Noncurrent loans to loans | 0.8026% | 4,803 |
| Net loans and leases to total assets | 54.3298% | 4,704 |
| Net loans and leases to deposits | 66.5275% | 4,404 |
| Net loans and leases to core deposits | 80.0695% | 3,199 |
| Total domestic deposits to total assets | 81.6652% | 5,142 |
| Equity capital to assets | 17.5338% | 397 |
| Core capital (leverage) ratio | 17.0551% | 367 |
| Tier 1 risk-based capital ratio | 28.4451% | 614 |
| Total risk-based capital ratio | 29.7084% | 605 |
| Memoranda: | ||
| Average total assets | $95,806,250 | 4,991 |
| Average earning assets | $90,161,500 | 4,907 |
| Average equity | $15,644,500 | 3,873 |
| Average total loans | $46,882,250 | 5,276 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 1,191 |
| Cost of funding earning assets | 0.4747% | 5,797 |
| Net interest margin | 4.7494% | 612 |
| Noninterest income to average assets | 5.0406% | 137 |
| Noninterest expense to average assets | 3.0542% | 3,070 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 4.2181% | 59 |
| Return on assets (ROA) | 4.7695% | 49 |
| Pretax return on assets | 7.3478% | 41 |
| Return on Equity (ROE) | 29.9182% | 80 |
| Retained earnings to average equity (ytd only) | 20.6248% | 94 |
| Net charge-offs to loans | 0.2567% | 3,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 54.1552% | 688 |
| Efficiency ratio | 31.9688% | 7,162 |
| Assets per employee ($millions) | 3.4581% | 5,076 |
| Cash dividends to net income (ytd only)* | 31.0629% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4043% | 1,405 |
| Loan loss allowance to noncurrent loans | 226.7135% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 5,246 |
| Noncurrent loans to loans | 1.0605% | 4,392 |
| Net loans and leases to total assets | 56.0818% | 4,455 |
| Net loans and leases to deposits | 68.4063% | 4,135 |
| Net loans and leases to core deposits | 82.7520% | 2,864 |
| Total domestic deposits to total assets | 81.9833% | 5,140 |
| Equity capital to assets | 17.2231% | 419 |
| Core capital (leverage) ratio | 15.9160% | 470 |
| Tier 1 risk-based capital ratio | 27.3173% | 699 |
| Total risk-based capital ratio | 28.5802% | 681 |
| Memoranda: | ||
| Average total assets | $96,655,000 | 4,993 |
| Average earning assets | $91,842,330 | 4,877 |
| Average equity | $15,408,670 | 3,911 |
| Average total loans | $45,190,330 | 5,373 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 1,349 |
| Cost of funding earning assets | 0.5096% | 5,756 |
| Net interest margin | 4.6768% | 713 |
| Noninterest income to average assets | 7.8903% | 87 |
| Noninterest expense to average assets | 2.8281% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 6.0385% | 36 |
| Return on assets (ROA) | 6.7468% | 35 |
| Pretax return on assets | 10.6126% | 31 |
| Return on Equity (ROE) | 44.0007% | 40 |
| Retained earnings to average equity (ytd only) | 27.8653% | 71 |
| Net charge-offs to loans | 0.5762% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 39.5932% | 755 |
| Efficiency ratio | 22.9297% | 7,264 |
| Assets per employee ($millions) | 3.7587% | 4,517 |
| Cash dividends to net income (ytd only)* | 36.6707% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1896% | 691 |
| Loan loss allowance to noncurrent loans | 208.5761% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 5,325 |
| Noncurrent loans to loans | 1.5292% | 3,821 |
| Net loans and leases to total assets | 38.5515% | 6,457 |
| Net loans and leases to deposits | 46.5989% | 6,383 |
| Net loans and leases to core deposits | 55.6901% | 5,932 |
| Total domestic deposits to total assets | 82.7305% | 5,035 |
| Equity capital to assets | 15.2555% | 702 |
| Core capital (leverage) ratio | 14.7264% | 647 |
| Tier 1 risk-based capital ratio | 28.3331% | 615 |
| Total risk-based capital ratio | 29.5979% | 603 |
| Memoranda: | ||
| Average total assets | $98,298,000 | 4,970 |
| Average earning assets | $93,398,000 | 4,864 |
| Average equity | $15,072,500 | 3,978 |
| Average total loans | $40,959,000 | 5,601 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 1,250 |
| Cost of funding earning assets | 0.6180% | 5,992 |
| Net interest margin | 4.8492% | 573 |
| Noninterest income to average assets | 3.8793% | 162 |
| Noninterest expense to average assets | 4.0161% | 1,018 |
| Loan and lease loss provision to assets | 0.3654% | 2,805 |
| Net operating income to assets | 2.8308% | 98 |
| Return on assets (ROA) | 2.7926% | 104 |
| Pretax return on assets | 4.0297% | 76 |
| Return on Equity (ROE) | 18.0380% | 378 |
| Retained earnings to average equity (ytd only) | 10.5531% | 467 |
| Net charge-offs to loans | 0.0111% | 6,274 |
| Credit loss provision to net charge-offs | 7,000.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 852.6000% | 32 |
| Efficiency ratio | 47.4353% | 6,970 |
| Assets per employee ($millions) | 3.6581% | 4,644 |
| Cash dividends to net income (ytd only)* | 41.4953% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2478% | 650 |
| Loan loss allowance to noncurrent loans | 134.2629% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 4,472 |
| Noncurrent loans to loans | 2.4190% | 2,709 |
| Net loans and leases to total assets | 42.2212% | 6,363 |
| Net loans and leases to deposits | 50.3504% | 6,335 |
| Net loans and leases to core deposits | 60.3175% | 5,820 |
| Total domestic deposits to total assets | 83.8547% | 4,378 |
| Equity capital to assets | 15.4167% | 691 |
| Core capital (leverage) ratio | 13.9265% | 843 |
| Tier 1 risk-based capital ratio | 28.3278% | 601 |
| Total risk-based capital ratio | 29.6000% | 591 |
| Memoranda: | ||
| Average total assets | $95,789,800 | 5,019 |
| Average earning assets | $90,612,600 | 4,914 |
| Average equity | $14,829,800 | 3,947 |
| Average total loans | $45,082,200 | 5,465 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 663 |
| Cost of funding earning assets | 0.6205% | 6,181 |
| Net interest margin | 5.2068% | 286 |
| Noninterest income to average assets | 4.8825% | 128 |
| Noninterest expense to average assets | 3.4347% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 4.7849% | 44 |
| Return on assets (ROA) | 4.7297% | 46 |
| Pretax return on assets | 6.2942% | 49 |
| Return on Equity (ROE) | 30.5184% | 52 |
| Retained earnings to average equity (ytd only) | 28.0978% | 27 |
| Net charge-offs to loans | -0.0377% | 7,002 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0390% | 7,323 |
| Assets per employee ($millions) | 4.0249% | 3,794 |
| Cash dividends to net income (ytd only)* | 7.9318% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 2,161 |
| Loan loss allowance to noncurrent loans | 91.3591% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 4,650 |
| Noncurrent loans to loans | 2.2601% | 3,042 |
| Net loans and leases to total assets | 46.0042% | 6,148 |
| Net loans and leases to deposits | 55.6233% | 6,061 |
| Net loans and leases to core deposits | 65.4228% | 5,481 |
| Total domestic deposits to total assets | 82.7066% | 4,792 |
| Equity capital to assets | 15.5360% | 717 |
| Core capital (leverage) ratio | 16.5364% | 443 |
| Tier 1 risk-based capital ratio | 28.5735% | 616 |
| Total risk-based capital ratio | 29.8306% | 609 |
| Memoranda: | ||
| Average total assets | $95,959,500 | 5,043 |
| Average earning assets | $90,673,750 | 4,934 |
| Average equity | $14,871,500 | 3,945 |
| Average total loans | $45,976,500 | 5,468 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3632% | 252 |
| Cost of funding earning assets | 0.6454% | 6,249 |
| Net interest margin | 5.7177% | 126 |
| Noninterest income to average assets | 6.6600% | 102 |
| Noninterest expense to average assets | 2.0072% | 6,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 6.4589% | 37 |
| Return on assets (ROA) | 6.4300% | 38 |
| Pretax return on assets | 9.9953% | 33 |
| Return on Equity (ROE) | 41.5286% | 33 |
| Retained earnings to average equity (ytd only) | 39.0303% | 24 |
| Net charge-offs to loans | -0.0267% | 6,893 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6607% | 7,483 |
| Assets per employee ($millions) | 3.5582% | 4,789 |
| Cash dividends to net income (ytd only)* | 6.0160% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 2,627 |
| Loan loss allowance to noncurrent loans | 98.2456% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 4,673 |
| Noncurrent loans to loans | 1.9478% | 3,545 |
| Net loans and leases to total assets | 55.8467% | 5,019 |
| Net loans and leases to deposits | 69.1887% | 4,542 |
| Net loans and leases to core deposits | 82.4901% | 3,433 |
| Total domestic deposits to total assets | 80.7164% | 5,618 |
| Equity capital to assets | 17.0828% | 477 |
| Core capital (leverage) ratio | 16.5276% | 448 |
| Tier 1 risk-based capital ratio | 27.2219% | 714 |
| Total risk-based capital ratio | 28.4878% | 702 |
| Memoranda: | ||
| Average total assets | $93,063,670 | 5,164 |
| Average earning assets | $87,692,000 | 5,073 |
| Average equity | $14,409,330 | 4,038 |
| Average total loans | $44,916,330 | 5,565 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7626% | 787 |
| Cost of funding earning assets | 0.6839% | 6,227 |
| Net interest margin | 5.0788% | 319 |
| Noninterest income to average assets | 12.8179% | 53 |
| Noninterest expense to average assets | 3.4027% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 8.8900% | 27 |
| Return on assets (ROA) | 8.9009% | 28 |
| Pretax return on assets | 14.2064% | 24 |
| Return on Equity (ROE) | 60.5893% | 24 |
| Retained earnings to average equity (ytd only) | 57.9638% | 19 |
| Net charge-offs to loans | -0.0487% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.3423% | 7,536 |
| Assets per employee ($millions) | 3.6743% | 4,591 |
| Cash dividends to net income (ytd only)* | 4.3332% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4344% | 1,556 |
| Loan loss allowance to noncurrent loans | 80.5600% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.7767% | 3,606 |
| Noncurrent loans to loans | 3.0218% | 2,490 |
| Net loans and leases to total assets | 43.9368% | 6,476 |
| Net loans and leases to deposits | 53.6026% | 6,334 |
| Net loans and leases to core deposits | 63.7251% | 5,762 |
| Total domestic deposits to total assets | 81.9676% | 5,330 |
| Equity capital to assets | 16.0031% | 575 |
| Core capital (leverage) ratio | 15.0334% | 662 |
| Tier 1 risk-based capital ratio | 27.2794% | 682 |
| Total risk-based capital ratio | 28.4410% | 677 |
| Memoranda: | ||
| Average total assets | $93,338,500 | 5,195 |
| Average earning assets | $87,738,000 | 5,100 |
| Average equity | $13,712,000 | 4,168 |
| Average total loans | $41,037,500 | 5,810 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4969% | 323 |
| Cost of funding earning assets | 1.1755% | 4,698 |
| Net interest margin | 5.3214% | 235 |
| Noninterest income to average assets | 11.8673% | 56 |
| Noninterest expense to average assets | 7.0284% | 155 |
| Loan and lease loss provision to assets | 0.8241% | 1,990 |
| Net operating income to assets | 8.0264% | 21 |
| Return on assets (ROA) | 8.0151% | 22 |
| Pretax return on assets | 8.6620% | 24 |
| Return on Equity (ROE) | 74.8108% | 5 |
| Retained earnings to average equity (ytd only) | 54.6468% | 5 |
| Net charge-offs to loans | 0.0947% | 5,897 |
| Credit loss provision to net charge-offs | 1,835.1351% | 127 |
| Earnings coverage of net charge-offs (x) | 211.5135% | 117 |
| Efficiency ratio | 42.5277% | 7,451 |
| Assets per employee ($millions) | 3.9508% | 3,885 |
| Cash dividends to net income (ytd only)* | 26.9534% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 1,456 |
| Loan loss allowance to noncurrent loans | 50.2760% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.1019% | 3,215 |
| Noncurrent loans to loans | 4.8957% | 1,403 |
| Net loans and leases to total assets | 41.8762% | 6,855 |
| Net loans and leases to deposits | 51.1392% | 6,798 |
| Net loans and leases to core deposits | 61.0877% | 6,308 |
| Total domestic deposits to total assets | 81.8867% | 5,225 |
| Equity capital to assets | 13.4191% | 1,210 |
| Core capital (leverage) ratio | 11.9471% | 1,589 |
| Tier 1 risk-based capital ratio | 24.2557% | 909 |
| Total risk-based capital ratio | 25.5130% | 891 |
| Memoranda: | ||
| Average total assets | $82,394,400 | 5,513 |
| Average earning assets | $72,142,400 | 5,598 |
| Average equity | $8,827,600 | 5,469 |
| Average total loans | $39,053,600 | 5,962 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7476% | 219 |
| Cost of funding earning assets | 1.2347% | 4,656 |
| Net interest margin | 5.5129% | 173 |
| Noninterest income to average assets | 6.2572% | 111 |
| Noninterest expense to average assets | 6.2707% | 202 |
| Loan and lease loss provision to assets | 0.1261% | 5,763 |
| Net operating income to assets | 4.1729% | 42 |
| Return on assets (ROA) | 4.1821% | 41 |
| Pretax return on assets | 4.5857% | 62 |
| Return on Equity (ROE) | 42.2222% | 20 |
| Retained earnings to average equity (ytd only) | 38.9965% | 12 |
| Net charge-offs to loans | 0.0173% | 6,439 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 558.9070% | 52 |
| Efficiency ratio | 57.1494% | 6,396 |
| Assets per employee ($millions) | 4.2162% | 3,417 |
| Cash dividends to net income (ytd only)* | 7.6398% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 6,935 |
| Loan loss allowance to noncurrent loans | 16.8103% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 2.6871% | 2,688 |
| Noncurrent loans to loans | 4.9589% | 1,407 |
| Net loans and leases to total assets | 50.4343% | 6,281 |
| Net loans and leases to deposits | 57.8728% | 6,473 |
| Net loans and leases to core deposits | 68.9742% | 5,843 |
| Total domestic deposits to total assets | 87.1468% | 2,450 |
| Equity capital to assets | 10.3569% | 3,691 |
| Core capital (leverage) ratio | 9.4596% | 3,961 |
| Tier 1 risk-based capital ratio | 16.3138% | 2,630 |
| Total risk-based capital ratio | 17.0168% | 2,832 |
| Memoranda: | ||
| Average total assets | $79,288,000 | 5,683 |
| Average earning assets | $67,815,000 | 5,803 |
| Average equity | $7,853,500 | 5,842 |
| Average total loans | $38,639,750 | 6,062 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6661% | 1,884 |
| Cost of funding earning assets | 1.1422% | 5,450 |
| Net interest margin | 4.5239% | 1,156 |
| Noninterest income to average assets | 9.8545% | 68 |
| Noninterest expense to average assets | 6.4289% | 183 |
| Loan and lease loss provision to assets | 0.1389% | 5,506 |
| Net operating income to assets | 6.7048% | 25 |
| Return on assets (ROA) | 6.6789% | 25 |
| Pretax return on assets | 7.1873% | 35 |
| Return on Equity (ROE) | 68.9023% | 10 |
| Retained earnings to average equity (ytd only) | 66.0361% | 7 |
| Net charge-offs to loans | 0.0291% | 5,927 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 529.4000% | 58 |
| Efficiency ratio | 46.6438% | 7,409 |
| Assets per employee ($millions) | 4.4750% | 2,917 |
| Cash dividends to net income (ytd only)* | 4.1597% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 7,143 |
| Loan loss allowance to noncurrent loans | 6.6843% | 7,297 |
| Noncurrent assets plus other real estate owned to assets | 5.7830% | 1,038 |
| Noncurrent loans to loans | 11.2384% | 348 |
| Net loans and leases to total assets | 49.6979% | 6,462 |
| Net loans and leases to deposits | 56.5520% | 6,682 |
| Net loans and leases to core deposits | 65.7129% | 6,267 |
| Total domestic deposits to total assets | 87.8800% | 2,063 |
| Equity capital to assets | 9.7606% | 4,325 |
| Core capital (leverage) ratio | 15.3703% | 654 |
| Tier 1 risk-based capital ratio | 16.3921% | 2,521 |
| Total risk-based capital ratio | 17.0570% | 2,720 |
| Memoranda: | ||
| Average total assets | $71,987,670 | 5,923 |
| Average earning assets | $62,512,000 | 6,001 |
| Average equity | $6,978,000 | 6,145 |
| Average total loans | $34,365,330 | 6,313 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9681% | 1,038 |
| Cost of funding earning assets | 1.3095% | 4,760 |
| Net interest margin | 4.6586% | 852 |
| Noninterest income to average assets | 0.6264% | 3,111 |
| Noninterest expense to average assets | 3.8319% | 1,274 |
| Loan and lease loss provision to assets | 0.1842% | 4,667 |
| Net operating income to assets | 0.6313% | 3,752 |
| Return on assets (ROA) | 0.6264% | 3,901 |
| Pretax return on assets | 0.9285% | 3,352 |
| Return on Equity (ROE) | 6.5066% | 3,616 |
| Retained earnings to average equity (ytd only) | 2.6792% | 4,538 |
| Net charge-offs to loans | 0.2271% | 3,560 |
| Credit loss provision to net charge-offs | 178.5714% | 2,046 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 1,706 |
| Efficiency ratio | 77.3810% | 2,999 |
| Assets per employee ($millions) | 3.6567% | 4,677 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,384 |
| Loan loss allowance to noncurrent loans | 370.0000% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 7,019 |
| Noncurrent loans to loans | 0.4362% | 6,427 |
| Net loans and leases to total assets | 41.1249% | 7,170 |
| Net loans and leases to deposits | 46.1770% | 7,327 |
| Net loans and leases to core deposits | 57.6551% | 6,900 |
| Total domestic deposits to total assets | 89.0593% | 1,488 |
| Equity capital to assets | 9.5752% | 4,413 |
| Core capital (leverage) ratio | 9.1951% | 4,235 |
| Tier 1 risk-based capital ratio | 18.1405% | 1,914 |
| Total risk-based capital ratio | 19.3921% | 1,885 |
| Memoranda: | ||
| Average total assets | $54,281,000 | 6,597 |
| Average earning assets | $50,401,500 | 6,532 |
| Average equity | $5,225,500 | 6,771 |
| Average total loans | $24,658,000 | 6,904 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5169% | 647 |
| Cost of funding earning assets | 1.6323% | 4,875 |
| Net interest margin | 4.8846% | 581 |
| Noninterest income to average assets | 0.5702% | 3,861 |
| Noninterest expense to average assets | 3.8173% | 1,667 |
| Loan and lease loss provision to assets | 0.1435% | 6,207 |
| Net operating income to assets | 0.8451% | 2,372 |
| Return on assets (ROA) | 0.8534% | 2,417 |
| Pretax return on assets | 1.1902% | 1,980 |
| Return on Equity (ROE) | 8.7792% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.9446% | 1,372 |
| Net charge-offs to loans | 0.5369% | 3,637 |
| Credit loss provision to net charge-offs | 48.7013% | 6,762 |
| Earnings coverage of net charge-offs (x) | 4.4870% | 2,933 |
| Efficiency ratio | 74.2740% | 3,840 |
| Assets per employee ($millions) | 3.5808% | 4,823 |
| Cash dividends to net income (ytd only)* | 32.2870% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,432 |
| Loan loss allowance to noncurrent loans | 162.4434% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 6,432 |
| Noncurrent loans to loans | 0.8375% | 5,618 |
| Net loans and leases to total assets | 48.4622% | 6,773 |
| Net loans and leases to deposits | 54.6229% | 7,014 |
| Net loans and leases to core deposits | 86.6454% | 5,457 |
| Total domestic deposits to total assets | 88.7213% | 1,618 |
| Equity capital to assets | 9.6794% | 4,166 |
| Core capital (leverage) ratio | 9.3674% | 3,875 |
| Tier 1 risk-based capital ratio | 16.6612% | 2,251 |
| Total risk-based capital ratio | 17.8320% | 2,231 |
| Memoranda: | ||
| Average total assets | $52,262,200 | 6,627 |
| Average earning assets | $48,888,400 | 6,566 |
| Average equity | $5,080,200 | 6,913 |
| Average total loans | $28,682,600 | 6,711 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7537% | 460 |
| Cost of funding earning assets | 1.6884% | 4,959 |
| Net interest margin | 5.0653% | 397 |
| Noninterest income to average assets | 0.5112% | 4,396 |
| Noninterest expense to average assets | 3.8175% | 1,564 |
| Loan and lease loss provision to assets | 0.0642% | 6,715 |
| Net operating income to assets | 0.9683% | 2,170 |
| Return on assets (ROA) | 0.9736% | 2,208 |
| Pretax return on assets | 1.3847% | 1,741 |
| Return on Equity (ROE) | 10.0053% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.1541% | 1,444 |
| Net charge-offs to loans | 0.4010% | 3,658 |
| Credit loss provision to net charge-offs | 28.4091% | 6,521 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 2,623 |
| Efficiency ratio | 72.5940% | 4,128 |
| Assets per employee ($millions) | 3.7991% | 4,190 |
| Cash dividends to net income (ytd only)* | 28.4968% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,578 |
| Loan loss allowance to noncurrent loans | 136.8613% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0599% | 4,961 |
| Noncurrent loans to loans | 0.8205% | 5,658 |
| Net loans and leases to total assets | 57.9423% | 5,900 |
| Net loans and leases to deposits | 69.0370% | 6,025 |
| Net loans and leases to core deposits | 106.9060% | 3,601 |
| Total domestic deposits to total assets | 83.9294% | 3,753 |
| Equity capital to assets | 9.2005% | 5,163 |
| Core capital (leverage) ratio | 9.0348% | 4,596 |
| Tier 1 risk-based capital ratio | 13.9342% | 3,587 |
| Total risk-based capital ratio | 14.9628% | 3,655 |
| Memoranda: | ||
| Average total assets | $51,899,750 | 6,689 |
| Average earning assets | $48,643,500 | 6,628 |
| Average equity | $5,050,500 | 6,982 |
| Average total loans | $29,256,000 | 6,721 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0001% | 318 |
| Cost of funding earning assets | 1.7511% | 5,001 |
| Net interest margin | 5.2490% | 268 |
| Noninterest income to average assets | 0.4860% | 4,574 |
| Noninterest expense to average assets | 4.0275% | 1,278 |
| Loan and lease loss provision to assets | 0.0996% | 6,177 |
| Net operating income to assets | 0.9235% | 2,370 |
| Return on assets (ROA) | 0.9322% | 2,429 |
| Pretax return on assets | 1.2788% | 2,087 |
| Return on Equity (ROE) | 9.3857% | 2,223 |
| Retained earnings to average equity (ytd only) | 6.4978% | 1,801 |
| Net charge-offs to loans | 0.7461% | 2,190 |
| Credit loss provision to net charge-offs | 24.0385% | 6,087 |
| Earnings coverage of net charge-offs (x) | 3.2981% | 3,496 |
| Efficiency ratio | 74.6677% | 3,926 |
| Assets per employee ($millions) | 3.5921% | 4,588 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 5,640 |
| Loan loss allowance to noncurrent loans | 180.4020% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,530 |
| Noncurrent loans to loans | 0.6069% | 6,047 |
| Net loans and leases to total assets | 60.1919% | 5,647 |
| Net loans and leases to deposits | 73.7393% | 5,489 |
| Net loans and leases to core deposits | 114.0245% | 2,904 |
| Total domestic deposits to total assets | 81.6280% | 4,847 |
| Equity capital to assets | 9.3985% | 4,751 |
| Core capital (leverage) ratio | 9.5826% | 3,776 |
| Tier 1 risk-based capital ratio | 14.8660% | 3,080 |
| Total risk-based capital ratio | 15.9398% | 3,092 |
| Memoranda: | ||
| Average total assets | $50,204,330 | 6,818 |
| Average earning assets | $46,942,000 | 6,752 |
| Average equity | $4,986,330 | 7,068 |
| Average total loans | $27,876,670 | 6,853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0095% | 328 |
| Cost of funding earning assets | 1.8674% | 4,801 |
| Net interest margin | 5.1421% | 309 |
| Noninterest income to average assets | 0.4466% | 4,815 |
| Noninterest expense to average assets | 4.1517% | 996 |
| Loan and lease loss provision to assets | 0.2068% | 4,376 |
| Net operating income to assets | 0.7643% | 3,282 |
| Return on assets (ROA) | 0.7857% | 3,353 |
| Pretax return on assets | 0.9180% | 3,649 |
| Return on Equity (ROE) | 7.6806% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.7701% | 3,250 |
| Net charge-offs to loans | 1.5264% | 947 |
| Credit loss provision to net charge-offs | 25.7732% | 4,999 |
| Earnings coverage of net charge-offs (x) | 1.3711% | 4,048 |
| Efficiency ratio | 79.0551% | 2,992 |
| Assets per employee ($millions) | 3.3804% | 5,121 |
| Cash dividends to net income (ytd only)* | 37.8947% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,319 |
| Loan loss allowance to noncurrent loans | 193.6508% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 6,392 |
| Noncurrent loans to loans | 0.7411% | 5,574 |
| Net loans and leases to total assets | 49.5701% | 6,895 |
| Net loans and leases to deposits | 55.8121% | 7,170 |
| Net loans and leases to core deposits | 81.9584% | 6,243 |
| Total domestic deposits to total assets | 88.8159% | 1,328 |
| Equity capital to assets | 9.6872% | 4,402 |
| Core capital (leverage) ratio | 9.7594% | 3,679 |
| Tier 1 risk-based capital ratio | 16.9422% | 2,358 |
| Total risk-based capital ratio | 18.1916% | 2,289 |
| Memoranda: | ||
| Average total assets | $48,366,000 | 6,934 |
| Average earning assets | $45,195,500 | 6,871 |
| Average equity | $4,947,500 | 7,129 |
| Average total loans | $25,419,500 | 7,036 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5433% | 380 |
| Cost of funding earning assets | 2.3212% | 5,056 |
| Net interest margin | 5.2221% | 324 |
| Noninterest income to average assets | 0.6312% | 3,625 |
| Noninterest expense to average assets | 4.4754% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5821% | 4,386 |
| Return on assets (ROA) | 0.6608% | 3,909 |
| Pretax return on assets | 1.0824% | 3,085 |
| Return on Equity (ROE) | 6.0161% | 3,934 |
| Retained earnings to average equity (ytd only) | 3.0288% | 3,285 |
| Net charge-offs to loans | -0.1031% | 8,094 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3480% | 2,260 |
| Assets per employee ($millions) | 3.0684% | 5,865 |
| Cash dividends to net income (ytd only)* | 49.6552% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 1,828 |
| Loan loss allowance to noncurrent loans | 673.8462% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 7,012 |
| Noncurrent loans to loans | 0.2565% | 6,611 |
| Net loans and leases to total assets | 54.0999% | 6,643 |
| Net loans and leases to deposits | 61.9003% | 6,953 |
| Net loans and leases to core deposits | 83.4087% | 6,351 |
| Total domestic deposits to total assets | 87.3984% | 1,757 |
| Equity capital to assets | 10.8265% | 3,181 |
| Core capital (leverage) ratio | 10.2419% | 3,221 |
| Tier 1 risk-based capital ratio | 17.6659% | 2,128 |
| Total risk-based capital ratio | 18.9185% | 2,069 |
| Memoranda: | ||
| Average total assets | $43,884,200 | 7,030 |
| Average earning assets | $40,366,800 | 7,026 |
| Average equity | $4,820,400 | 7,202 |
| Average total loans | $26,182,800 | 6,955 |