Home > Charter Bank > Performance and Condition Ratios
Charter 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 | 3.9839% | 3,992 |
| Cost of funding earning assets | 1.2892% | 2,552 |
| Net interest margin | 2.6947% | 3,828 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.8591% | 3,910 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0088% | 2,191 |
| Return on assets (ROA) | 1.0088% | 2,174 |
| Pretax return on assets | 1.0594% | 2,512 |
| Return on Equity (ROE) | 11.7000% | 2,039 |
| Retained earnings to average equity (ytd only) | 5.3896% | 2,454 |
| Net charge-offs to loans | -0.0007% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.9791% | 2,728 |
| Assets per employee ($millions) | 8.9163% | 1,016 |
| Cash dividends to net income (ytd only)* | 53.9517% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 3,597 |
| Loan loss allowance to noncurrent loans | 44,133.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 3,848 |
| Noncurrent loans to loans | 0.0021% | 3,788 |
| Net loans and leases to total assets | 65.7400% | 2,281 |
| Net loans and leases to deposits | 77.2770% | 2,333 |
| Net loans and leases to core deposits | 85.6075% | 2,332 |
| Total domestic deposits to total assets | 85.0700% | 2,287 |
| Equity capital to assets | 9.2022% | 2,543 |
| Core capital (leverage) ratio | 10.8474% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4440% | 1,007 |
| Memoranda: | ||
| Average total assets | $209,461,200 | 2,920 |
| Average earning assets | $201,361,800 | 2,852 |
| Average equity | $18,053,400 | 3,009 |
| Average total loans | $137,249,200 | 2,795 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,978 |
| Cost of funding earning assets | 1.1851% | 2,476 |
| Net interest margin | 2.7298% | 3,839 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.8797% | 3,838 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0150% | 2,323 |
| Return on assets (ROA) | 1.0150% | 2,306 |
| Pretax return on assets | 1.0669% | 2,666 |
| Return on Equity (ROE) | 11.9900% | 2,127 |
| Retained earnings to average equity (ytd only) | 5.5240% | 2,772 |
| Net charge-offs to loans | -0.0010% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.0258% | 2,611 |
| Assets per employee ($millions) | 8.7337% | 1,030 |
| Cash dividends to net income (ytd only)* | 53.9092% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,597 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.8700% | 2,254 |
| Net loans and leases to deposits | 78.5482% | 2,197 |
| Net loans and leases to core deposits | 85.8000% | 2,198 |
| Total domestic deposits to total assets | 83.8600% | 2,817 |
| Equity capital to assets | 8.1685% | 2,951 |
| Core capital (leverage) ratio | 10.8645% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3727% | 1,045 |
| Memoranda: | ||
| Average total assets | $208,328,500 | 2,935 |
| Average earning assets | $200,254,500 | 2,874 |
| Average equity | $17,643,750 | 3,029 |
| Average total loans | $136,062,500 | 2,814 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,005 |
| Cost of funding earning assets | 1.0588% | 2,422 |
| Net interest margin | 2.7496% | 3,906 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.8403% | 3,931 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0726% | 2,199 |
| Return on assets (ROA) | 1.0726% | 2,195 |
| Pretax return on assets | 1.1275% | 2,570 |
| Return on Equity (ROE) | 12.5200% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.1175% | 2,581 |
| Net charge-offs to loans | -0.0015% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.4520% | 2,783 |
| Assets per employee ($millions) | 9.0875% | 887 |
| Cash dividends to net income (ytd only)* | 51.1211% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 3,682 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.1800% | 2,252 |
| Net loans and leases to deposits | 76.7773% | 2,234 |
| Net loans and leases to core deposits | 83.3452% | 2,247 |
| Total domestic deposits to total assets | 84.9000% | 2,573 |
| Equity capital to assets | 8.6708% | 2,733 |
| Core capital (leverage) ratio | 10.8254% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7841% | 994 |
| Memoranda: | ||
| Average total assets | $207,901,667 | 2,946 |
| Average earning assets | $200,030,667 | 2,887 |
| Average equity | $17,817,667 | 3,033 |
| Average total loans | $134,956,000 | 2,821 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,018 |
| Cost of funding earning assets | 0.9177% | 2,317 |
| Net interest margin | 2.7832% | 3,967 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.8597% | 3,933 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.9549% | 2,670 |
| Return on assets (ROA) | 0.9549% | 2,634 |
| Pretax return on assets | 1.0089% | 2,963 |
| Return on Equity (ROE) | 11.2100% | 2,440 |
| Retained earnings to average equity (ytd only) | 4.7552% | 3,071 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.5974% | 2,745 |
| Assets per employee ($millions) | 8.6785% | 1,062 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,542 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.7200% | 2,275 |
| Net loans and leases to deposits | 73.2821% | 2,363 |
| Net loans and leases to core deposits | 78.0520% | 2,384 |
| Total domestic deposits to total assets | 86.9500% | 2,286 |
| Equity capital to assets | 8.7798% | 2,677 |
| Core capital (leverage) ratio | 10.7463% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5120% | 1,067 |
| Memoranda: | ||
| Average total assets | $207,346,500 | 2,985 |
| Average earning assets | $199,623,500 | 2,932 |
| Average equity | $17,665,000 | 3,068 |
| Average total loans | $133,675,000 | 2,865 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0710% | 4,043 |
| Cost of funding earning assets | 0.2671% | 3,184 |
| Net interest margin | 2.8039% | 3,883 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.6731% | 4,217 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2110% | 1,734 |
| Return on assets (ROA) | 1.2110% | 1,676 |
| Pretax return on assets | 1.2799% | 2,161 |
| Return on Equity (ROE) | 14.3800% | 1,439 |
| Retained earnings to average equity (ytd only) | 7.3897% | 2,071 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.7100% | 3,722 |
| Assets per employee ($millions) | 8.6003% | 1,051 |
| Cash dividends to net income (ytd only)* | 48.6246% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,629 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.9800% | 2,245 |
| Net loans and leases to deposits | 73.3859% | 2,300 |
| Net loans and leases to core deposits | 76.3253% | 2,396 |
| Total domestic deposits to total assets | 87.1800% | 2,334 |
| Equity capital to assets | 8.2569% | 2,887 |
| Core capital (leverage) ratio | 10.7964% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3976% | 1,064 |
| Memoranda: | ||
| Average total assets | $213,136,000 | 2,958 |
| Average earning assets | $204,819,200 | 2,894 |
| Average equity | $17,944,000 | 3,124 |
| Average total loans | $118,885,800 | 2,932 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9330% | 4,008 |
| Cost of funding earning assets | 0.1913% | 3,382 |
| Net interest margin | 2.7417% | 3,851 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.6603% | 4,221 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1700% | 1,815 |
| Return on assets (ROA) | 1.1700% | 1,790 |
| Pretax return on assets | 1.2382% | 2,234 |
| Return on Equity (ROE) | 13.8300% | 1,476 |
| Retained earnings to average equity (ytd only) | 8.0354% | 1,986 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.3143% | 3,687 |
| Assets per employee ($millions) | 8.6103% | 1,019 |
| Cash dividends to net income (ytd only)* | 41.9098% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,683 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.1200% | 2,492 |
| Net loans and leases to deposits | 65.1357% | 2,781 |
| Net loans and leases to core deposits | 67.8186% | 2,820 |
| Total domestic deposits to total assets | 92.3100% | 776 |
| Equity capital to assets | 7.5375% | 3,195 |
| Core capital (leverage) ratio | 10.4678% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7385% | 1,040 |
| Memoranda: | ||
| Average total assets | $214,818,000 | 2,967 |
| Average earning assets | $206,338,500 | 2,908 |
| Average equity | $18,169,250 | 3,149 |
| Average total loans | $115,280,250 | 2,977 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7196% | 4,113 |
| Cost of funding earning assets | 0.1629% | 3,405 |
| Net interest margin | 2.5567% | 3,990 |
| Noninterest income to average assets | 0.4110% | 2,685 |
| Noninterest expense to average assets | 1.6208% | 4,278 |
| Loan and lease loss provision to assets | 0.0570% | 1,560 |
| Net operating income to assets | 1.1225% | 1,690 |
| Return on assets (ROA) | 1.1225% | 1,669 |
| Pretax return on assets | 1.1860% | 2,123 |
| Return on Equity (ROE) | 12.8299% | 1,431 |
| Retained earnings to average equity (ytd only) | 7.7862% | 1,697 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5971% | 3,714 |
| Assets per employee ($millions) | 9.0061% | 886 |
| Cash dividends to net income (ytd only)* | 39.3120% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 3,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.0468% | 2,855 |
| Net loans and leases to deposits | 59.9215% | 3,055 |
| Net loans and leases to core deposits | 61.9272% | 3,123 |
| Total domestic deposits to total assets | 91.8648% | 895 |
| Equity capital to assets | 8.0024% | 3,124 |
| Core capital (leverage) ratio | 10.0869% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2310% | 960 |
| Memoranda: | ||
| Average total assets | $217,541,333 | 2,968 |
| Average earning assets | $208,707,667 | 2,926 |
| Average equity | $19,033,667 | 3,148 |
| Average total loans | $111,893,667 | 3,040 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6237% | 4,083 |
| Cost of funding earning assets | 0.1635% | 3,320 |
| Net interest margin | 2.4602% | 3,976 |
| Noninterest income to average assets | 0.3812% | 2,806 |
| Noninterest expense to average assets | 1.5946% | 4,306 |
| Loan and lease loss provision to assets | 0.0532% | 1,430 |
| Net operating income to assets | 1.0447% | 1,709 |
| Return on assets (ROA) | 1.0447% | 1,705 |
| Pretax return on assets | 1.1052% | 2,123 |
| Return on Equity (ROE) | 11.4561% | 1,476 |
| Retained earnings to average equity (ytd only) | 6.6325% | 2,017 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9228% | 3,691 |
| Assets per employee ($millions) | 9.5851% | 758 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.0456% | 3,275 |
| Net loans and leases to deposits | 53.5928% | 3,449 |
| Net loans and leases to core deposits | 55.8289% | 3,461 |
| Total domestic deposits to total assets | 91.5154% | 793 |
| Equity capital to assets | 8.3435% | 3,290 |
| Core capital (leverage) ratio | 9.9835% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3408% | 849 |
| Memoranda: | ||
| Average total assets | $218,238,500 | 2,977 |
| Average earning assets | $210,393,000 | 2,924 |
| Average equity | $19,902,000 | 3,155 |
| Average total loans | $107,803,500 | 3,089 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6718% | 4,340 |
| Cost of funding earning assets | 0.3037% | 2,378 |
| Net interest margin | 2.3681% | 4,353 |
| Noninterest income to average assets | 0.8999% | 1,195 |
| Noninterest expense to average assets | 1.7095% | 4,284 |
| Loan and lease loss provision to assets | 0.0159% | 2,760 |
| Net operating income to assets | 1.3667% | 1,388 |
| Return on assets (ROA) | 1.3667% | 1,438 |
| Pretax return on assets | 1.4444% | 1,899 |
| Return on Equity (ROE) | 13.3530% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.4571% | 1,743 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9293% | 3,936 |
| Assets per employee ($millions) | 9.3921% | 811 |
| Cash dividends to net income (ytd only)* | 44.1540% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.7888% | 3,428 |
| Net loans and leases to deposits | 54.2667% | 3,577 |
| Net loans and leases to core deposits | 56.1910% | 3,604 |
| Total domestic deposits to total assets | 89.9055% | 1,004 |
| Equity capital to assets | 9.9112% | 2,742 |
| Core capital (leverage) ratio | 10.0750% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2912% | 853 |
| Memoranda: | ||
| Average total assets | $207,138,400 | 3,010 |
| Average earning assets | $198,552,200 | 2,963 |
| Average equity | $21,201,200 | 3,122 |
| Average total loans | $107,074,600 | 3,115 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6906% | 4,415 |
| Cost of funding earning assets | 0.3385% | 2,216 |
| Net interest margin | 2.3522% | 4,445 |
| Noninterest income to average assets | 1.0534% | 984 |
| Noninterest expense to average assets | 1.7190% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5063% | 1,258 |
| Return on assets (ROA) | 1.5063% | 1,306 |
| Pretax return on assets | 1.5863% | 1,748 |
| Return on Equity (ROE) | 14.5945% | 1,231 |
| Retained earnings to average equity (ytd only) | 9.2673% | 1,589 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0079% | 4,025 |
| Assets per employee ($millions) | 9.6276% | 733 |
| Cash dividends to net income (ytd only)* | 36.5011% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.2613% | 3,385 |
| Net loans and leases to deposits | 56.0701% | 3,573 |
| Net loans and leases to core deposits | 58.7638% | 3,568 |
| Total domestic deposits to total assets | 89.6401% | 944 |
| Equity capital to assets | 10.2230% | 2,686 |
| Core capital (leverage) ratio | 10.1687% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8557% | 840 |
| Memoranda: | ||
| Average total assets | $204,918,250 | 3,063 |
| Average earning assets | $196,182,750 | 3,021 |
| Average equity | $21,149,000 | 3,155 |
| Average total loans | $107,237,500 | 3,152 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7028% | 4,450 |
| Cost of funding earning assets | 0.3789% | 2,058 |
| Net interest margin | 2.3239% | 4,495 |
| Noninterest income to average assets | 1.3434% | 657 |
| Noninterest expense to average assets | 1.7254% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7530% | 794 |
| Return on assets (ROA) | 1.7530% | 840 |
| Pretax return on assets | 1.8458% | 1,132 |
| Return on Equity (ROE) | 16.9296% | 795 |
| Retained earnings to average equity (ytd only) | 11.8298% | 956 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3140% | 4,364 |
| Assets per employee ($millions) | 9.0521% | 842 |
| Cash dividends to net income (ytd only)* | 30.1239% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.6520% | 3,491 |
| Net loans and leases to deposits | 56.5668% | 3,675 |
| Net loans and leases to core deposits | 59.7551% | 3,634 |
| Total domestic deposits to total assets | 89.5437% | 1,008 |
| Equity capital to assets | 10.2854% | 2,592 |
| Core capital (leverage) ratio | 10.2680% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2549% | 783 |
| Memoranda: | ||
| Average total assets | $202,622,000 | 3,079 |
| Average earning assets | $194,239,667 | 3,031 |
| Average equity | $20,981,000 | 3,162 |
| Average total loans | $107,165,333 | 3,165 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7539% | 4,425 |
| Cost of funding earning assets | 0.4270% | 1,883 |
| Net interest margin | 2.3269% | 4,492 |
| Noninterest income to average assets | 0.7406% | 1,743 |
| Noninterest expense to average assets | 1.6954% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2170% | 2,080 |
| Return on assets (ROA) | 1.2170% | 2,168 |
| Pretax return on assets | 1.2811% | 2,619 |
| Return on Equity (ROE) | 11.7123% | 2,125 |
| Retained earnings to average equity (ytd only) | 11.7123% | 1,225 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9603% | 3,431 |
| Assets per employee ($millions) | 9.3276% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.2760% | 3,419 |
| Net loans and leases to deposits | 58.3610% | 3,614 |
| Net loans and leases to core deposits | 61.5668% | 3,605 |
| Total domestic deposits to total assets | 89.5735% | 1,035 |
| Equity capital to assets | 10.0557% | 2,660 |
| Core capital (leverage) ratio | 10.3337% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4535% | 860 |
| Memoranda: | ||
| Average total assets | $199,833,500 | 3,090 |
| Average earning assets | $192,015,500 | 3,043 |
| Average equity | $20,764,500 | 3,172 |
| Average total loans | $107,521,000 | 3,159 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 4,286 |
| Cost of funding earning assets | 0.6614% | 1,924 |
| Net interest margin | 2.6699% | 4,417 |
| Noninterest income to average assets | 1.0140% | 1,023 |
| Noninterest expense to average assets | 2.1332% | 3,862 |
| Loan and lease loss provision to assets | 0.1650% | 2,312 |
| Net operating income to assets | 1.1953% | 1,573 |
| Return on assets (ROA) | 1.2106% | 1,624 |
| Pretax return on assets | 1.2737% | 2,068 |
| Return on Equity (ROE) | 10.8340% | 1,689 |
| Retained earnings to average equity (ytd only) | 4.8867% | 2,323 |
| Net charge-offs to loans | 0.0028% | 3,280 |
| Credit loss provision to net charge-offs | 9,933.3333% | 105 |
| Earnings coverage of net charge-offs (x) | 856.3333% | 139 |
| Efficiency ratio | 59.9907% | 3,458 |
| Assets per employee ($millions) | 8.8391% | 785 |
| Cash dividends to net income (ytd only)* | 54.8948% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 4,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.3947% | 3,455 |
| Net loans and leases to deposits | 61.1942% | 3,662 |
| Net loans and leases to core deposits | 65.2310% | 3,608 |
| Total domestic deposits to total assets | 88.8887% | 1,034 |
| Equity capital to assets | 10.7446% | 2,480 |
| Core capital (leverage) ratio | 10.2907% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2050% | 872 |
| Memoranda: | ||
| Average total assets | $180,574,800 | 3,098 |
| Average earning assets | $171,916,200 | 3,054 |
| Average equity | $20,177,200 | 3,175 |
| Average total loans | $105,552,200 | 3,157 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 4,281 |
| Cost of funding earning assets | 0.7072% | 1,985 |
| Net interest margin | 2.7470% | 4,403 |
| Noninterest income to average assets | 1.1323% | 821 |
| Noninterest expense to average assets | 2.1110% | 3,916 |
| Loan and lease loss provision to assets | 0.2129% | 1,893 |
| Net operating income to assets | 1.3383% | 1,264 |
| Return on assets (ROA) | 1.3574% | 1,313 |
| Pretax return on assets | 1.4402% | 1,607 |
| Return on Equity (ROE) | 12.0209% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.4206% | 1,522 |
| Net charge-offs to loans | -0.0013% | 3,836 |
| Credit loss provision to net charge-offs | -28,300.0000% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3845% | 3,875 |
| Assets per employee ($millions) | 8.5577% | 823 |
| Cash dividends to net income (ytd only)* | 38.2696% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 4,234 |
| Loan loss allowance to noncurrent loans | 24,650.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,524 |
| Noncurrent loans to loans | 0.0034% | 4,448 |
| Net loans and leases to total assets | 61.3516% | 3,081 |
| Net loans and leases to deposits | 69.2985% | 3,368 |
| Net loans and leases to core deposits | 74.1740% | 3,311 |
| Total domestic deposits to total assets | 88.5324% | 960 |
| Equity capital to assets | 11.1468% | 2,287 |
| Core capital (leverage) ratio | 10.6114% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5254% | 1,366 |
| Memoranda: | ||
| Average total assets | $177,103,500 | 3,115 |
| Average earning assets | $168,370,500 | 3,073 |
| Average equity | $19,998,000 | 3,186 |
| Average total loans | $105,247,250 | 3,171 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 4,383 |
| Cost of funding earning assets | 0.7548% | 2,084 |
| Net interest margin | 2.7692% | 4,490 |
| Noninterest income to average assets | 1.3381% | 573 |
| Noninterest expense to average assets | 2.0244% | 4,181 |
| Loan and lease loss provision to assets | 0.3264% | 1,309 |
| Net operating income to assets | 1.5227% | 886 |
| Return on assets (ROA) | 1.5227% | 961 |
| Pretax return on assets | 1.6195% | 1,183 |
| Return on Equity (ROE) | 13.4224% | 994 |
| Retained earnings to average equity (ytd only) | 8.7449% | 1,092 |
| Net charge-offs to loans | -0.0020% | 3,821 |
| Credit loss provision to net charge-offs | -28,300.0000% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9878% | 4,440 |
| Assets per employee ($millions) | 8.0383% | 955 |
| Cash dividends to net income (ytd only)* | 34.8485% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 4,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.4140% | 3,279 |
| Net loans and leases to deposits | 68.2801% | 3,541 |
| Net loans and leases to core deposits | 72.8612% | 3,529 |
| Total domestic deposits to total assets | 88.4796% | 955 |
| Equity capital to assets | 11.2802% | 2,132 |
| Core capital (leverage) ratio | 10.9332% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2837% | 1,182 |
| Memoranda: | ||
| Average total assets | $173,381,667 | 3,133 |
| Average earning assets | $164,810,667 | 3,090 |
| Average equity | $19,668,667 | 3,209 |
| Average total loans | $101,499,000 | 3,211 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 4,456 |
| Cost of funding earning assets | 0.8338% | 2,204 |
| Net interest margin | 2.8238% | 4,545 |
| Noninterest income to average assets | 0.4653% | 2,725 |
| Noninterest expense to average assets | 2.0426% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0428% | 2,030 |
| Return on assets (ROA) | 1.0428% | 2,127 |
| Pretax return on assets | 1.0976% | 2,531 |
| Return on Equity (ROE) | 9.1636% | 2,041 |
| Retained earnings to average equity (ytd only) | 4.3406% | 2,560 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0456% | 3,081 |
| Assets per employee ($millions) | 7.3400% | 955 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 4,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.9928% | 3,671 |
| Net loans and leases to deposits | 65.6017% | 3,891 |
| Net loans and leases to core deposits | 70.6409% | 3,840 |
| Total domestic deposits to total assets | 88.4013% | 928 |
| Equity capital to assets | 11.3315% | 2,562 |
| Core capital (leverage) ratio | 11.5617% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3573% | 1,092 |
| Memoranda: | ||
| Average total assets | $167,632,000 | 3,157 |
| Average earning assets | $158,794,000 | 3,119 |
| Average equity | $19,075,500 | 3,267 |
| Average total loans | $95,908,500 | 3,282 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 4,386 |
| Cost of funding earning assets | 0.8791% | 2,290 |
| Net interest margin | 3.0461% | 4,456 |
| Noninterest income to average assets | 0.4663% | 2,923 |
| Noninterest expense to average assets | 2.0963% | 4,376 |
| Loan and lease loss provision to assets | 0.0426% | 3,158 |
| Net operating income to assets | 1.1466% | 2,268 |
| Return on assets (ROA) | 1.1472% | 2,363 |
| Pretax return on assets | 1.2236% | 2,754 |
| Return on Equity (ROE) | 10.1160% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.9764% | 2,434 |
| Net charge-offs to loans | 0.0568% | 2,290 |
| Credit loss provision to net charge-offs | 123.2143% | 2,064 |
| Earnings coverage of net charge-offs (x) | 36.6429% | 1,389 |
| Efficiency ratio | 62.3555% | 3,316 |
| Assets per employee ($millions) | 6.9351% | 1,063 |
| Cash dividends to net income (ytd only)* | 50.8065% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 4,442 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,656 |
| Noncurrent loans to loans | 0.0097% | 4,554 |
| Net loans and leases to total assets | 55.5806% | 3,951 |
| Net loans and leases to deposits | 62.9911% | 4,134 |
| Net loans and leases to core deposits | 67.3030% | 4,120 |
| Total domestic deposits to total assets | 88.2356% | 1,015 |
| Equity capital to assets | 11.4279% | 2,593 |
| Core capital (leverage) ratio | 11.4500% | 2,151 |
| Tier 1 risk-based capital ratio | 18.7476% | 1,574 |
| Total risk-based capital ratio | 19.4470% | 1,666 |
| Memoranda: | ||
| Average total assets | $162,139,400 | 3,186 |
| Average earning assets | $154,131,800 | 3,144 |
| Average equity | $18,386,800 | 3,299 |
| Average total loans | $98,664,800 | 3,244 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 4,411 |
| Cost of funding earning assets | 0.8792% | 2,322 |
| Net interest margin | 3.0956% | 4,485 |
| Noninterest income to average assets | 0.4462% | 3,045 |
| Noninterest expense to average assets | 2.1283% | 4,313 |
| Loan and lease loss provision to assets | 0.0571% | 2,753 |
| Net operating income to assets | 1.1242% | 2,477 |
| Return on assets (ROA) | 1.1250% | 2,564 |
| Pretax return on assets | 1.2053% | 2,965 |
| Return on Equity (ROE) | 9.9403% | 2,455 |
| Retained earnings to average equity (ytd only) | 4.8934% | 2,941 |
| Net charge-offs to loans | 0.0560% | 2,030 |
| Credit loss provision to net charge-offs | 164.2857% | 1,526 |
| Earnings coverage of net charge-offs (x) | 36.2848% | 1,452 |
| Efficiency ratio | 62.7839% | 3,202 |
| Assets per employee ($millions) | 7.7777% | 752 |
| Cash dividends to net income (ytd only)* | 50.7729% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 4,557 |
| Loan loss allowance to noncurrent loans | 7,160.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,740 |
| Noncurrent loans to loans | 0.0104% | 4,636 |
| Net loans and leases to total assets | 58.2850% | 3,847 |
| Net loans and leases to deposits | 66.1299% | 4,055 |
| Net loans and leases to core deposits | 69.9754% | 4,059 |
| Total domestic deposits to total assets | 88.1370% | 980 |
| Equity capital to assets | 11.5323% | 2,640 |
| Core capital (leverage) ratio | 11.4954% | 2,224 |
| Tier 1 risk-based capital ratio | 18.2121% | 1,758 |
| Total risk-based capital ratio | 18.9143% | 1,868 |
| Memoranda: | ||
| Average total assets | $161,063,500 | 3,227 |
| Average earning assets | $153,160,000 | 3,182 |
| Average equity | $18,228,250 | 3,335 |
| Average total loans | $100,028,000 | 3,266 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 4,372 |
| Cost of funding earning assets | 0.8628% | 2,332 |
| Net interest margin | 3.1392% | 4,471 |
| Noninterest income to average assets | 0.4042% | 3,254 |
| Noninterest expense to average assets | 2.1384% | 4,348 |
| Loan and lease loss provision to assets | 0.0861% | 2,123 |
| Net operating income to assets | 1.0780% | 2,614 |
| Return on assets (ROA) | 1.0792% | 2,676 |
| Pretax return on assets | 1.1678% | 3,014 |
| Return on Equity (ROE) | 9.5974% | 2,589 |
| Retained earnings to average equity (ytd only) | 4.4936% | 3,024 |
| Net charge-offs to loans | 0.0828% | 1,530 |
| Credit loss provision to net charge-offs | 164.2857% | 1,398 |
| Earnings coverage of net charge-offs (x) | 23.9048% | 1,641 |
| Efficiency ratio | 63.0611% | 3,279 |
| Assets per employee ($millions) | 7.6190% | 766 |
| Cash dividends to net income (ytd only)* | 53.1792% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 4,682 |
| Loan loss allowance to noncurrent loans | 11,933.3333% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,802 |
| Noncurrent loans to loans | 0.0060% | 4,703 |
| Net loans and leases to total assets | 62.2979% | 3,508 |
| Net loans and leases to deposits | 70.6907% | 3,789 |
| Net loans and leases to core deposits | 75.0098% | 3,817 |
| Total domestic deposits to total assets | 88.1274% | 1,041 |
| Equity capital to assets | 11.5819% | 2,542 |
| Core capital (leverage) ratio | 11.4979% | 2,169 |
| Tier 1 risk-based capital ratio | 16.9129% | 2,115 |
| Total risk-based capital ratio | 17.5743% | 2,240 |
| Memoranda: | ||
| Average total assets | $160,307,330 | 3,253 |
| Average earning assets | $152,521,000 | 3,206 |
| Average equity | $18,025,670 | 3,349 |
| Average total loans | $101,399,330 | 3,268 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 4,362 |
| Cost of funding earning assets | 0.8303% | 2,370 |
| Net interest margin | 3.1718% | 4,450 |
| Noninterest income to average assets | 0.3291% | 3,655 |
| Noninterest expense to average assets | 2.1887% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0445% | 2,678 |
| Return on assets (ROA) | 1.0445% | 2,719 |
| Pretax return on assets | 1.1592% | 2,941 |
| Return on Equity (ROE) | 9.4300% | 2,618 |
| Retained earnings to average equity (ytd only) | 4.2536% | 3,216 |
| Net charge-offs to loans | 0.1649% | 824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.0714% | 1,923 |
| Efficiency ratio | 65.3760% | 3,030 |
| Assets per employee ($millions) | 7.7368% | 738 |
| Cash dividends to net income (ytd only)* | 54.8926% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 4,885 |
| Loan loss allowance to noncurrent loans | 1,010.9375% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,639 |
| Noncurrent loans to loans | 0.0623% | 4,484 |
| Net loans and leases to total assets | 62.8484% | 3,416 |
| Net loans and leases to deposits | 70.8494% | 3,699 |
| Net loans and leases to core deposits | 74.5075% | 3,769 |
| Total domestic deposits to total assets | 88.7070% | 994 |
| Equity capital to assets | 11.0794% | 2,768 |
| Core capital (leverage) ratio | 11.4360% | 2,182 |
| Tier 1 risk-based capital ratio | 16.3357% | 2,321 |
| Total risk-based capital ratio | 16.9200% | 2,503 |
| Memoranda: | ||
| Average total assets | $160,461,500 | 3,292 |
| Average earning assets | $152,719,000 | 3,241 |
| Average equity | $17,773,000 | 3,373 |
| Average total loans | $101,903,000 | 3,297 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 4,072 |
| Cost of funding earning assets | 0.6753% | 2,240 |
| Net interest margin | 3.3095% | 4,227 |
| Noninterest income to average assets | 0.3538% | 3,734 |
| Noninterest expense to average assets | 2.2029% | 4,332 |
| Loan and lease loss provision to assets | 0.0361% | 3,477 |
| Net operating income to assets | 0.9803% | 3,099 |
| Return on assets (ROA) | 0.9803% | 3,097 |
| Pretax return on assets | 1.2473% | 2,706 |
| Return on Equity (ROE) | 9.0794% | 2,953 |
| Retained earnings to average equity (ytd only) | 4.6160% | 2,990 |
| Net charge-offs to loans | 0.0039% | 3,587 |
| Credit loss provision to net charge-offs | 1,425.0000% | 298 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 208 |
| Efficiency ratio | 63.1866% | 3,307 |
| Assets per employee ($millions) | 6.8892% | 1,026 |
| Cash dividends to net income (ytd only)* | 49.1591% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 4,841 |
| Loan loss allowance to noncurrent loans | 2,646.1538% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,809 |
| Noncurrent loans to loans | 0.0257% | 4,661 |
| Net loans and leases to total assets | 63.3382% | 3,423 |
| Net loans and leases to deposits | 71.4545% | 3,713 |
| Net loans and leases to core deposits | 75.2267% | 3,770 |
| Total domestic deposits to total assets | 88.6413% | 1,007 |
| Equity capital to assets | 11.0728% | 2,618 |
| Core capital (leverage) ratio | 11.4227% | 2,161 |
| Tier 1 risk-based capital ratio | 16.6713% | 2,180 |
| Total risk-based capital ratio | 17.3120% | 2,328 |
| Memoranda: | ||
| Average total assets | $157,699,200 | 3,308 |
| Average earning assets | $149,267,000 | 3,251 |
| Average equity | $17,027,600 | 3,392 |
| Average total loans | $101,762,200 | 3,263 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 4,028 |
| Cost of funding earning assets | 0.6401% | 2,206 |
| Net interest margin | 3.3274% | 4,206 |
| Noninterest income to average assets | 0.3471% | 3,817 |
| Noninterest expense to average assets | 2.2008% | 4,324 |
| Loan and lease loss provision to assets | 0.0483% | 3,026 |
| Net operating income to assets | 0.9785% | 3,183 |
| Return on assets (ROA) | 0.9785% | 3,196 |
| Pretax return on assets | 1.2443% | 2,833 |
| Return on Equity (ROE) | 9.1210% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.7814% | 3,356 |
| Net charge-offs to loans | 0.0039% | 3,326 |
| Credit loss provision to net charge-offs | 1,900.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 508.9875% | 181 |
| Efficiency ratio | 62.9998% | 3,338 |
| Assets per employee ($millions) | 7.1001% | 898 |
| Cash dividends to net income (ytd only)* | 47.5783% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6834% | 4,903 |
| Loan loss allowance to noncurrent loans | 2,650.0000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,914 |
| Noncurrent loans to loans | 0.0258% | 4,779 |
| Net loans and leases to total assets | 64.0997% | 3,410 |
| Net loans and leases to deposits | 72.2585% | 3,751 |
| Net loans and leases to core deposits | 76.4062% | 3,774 |
| Total domestic deposits to total assets | 88.7089% | 953 |
| Equity capital to assets | 11.0568% | 2,606 |
| Core capital (leverage) ratio | 11.2770% | 2,351 |
| Tier 1 risk-based capital ratio | 16.4667% | 2,282 |
| Total risk-based capital ratio | 17.1069% | 2,437 |
| Memoranda: | ||
| Average total assets | $157,511,250 | 3,339 |
| Average earning assets | $148,941,000 | 3,283 |
| Average equity | $16,898,250 | 3,429 |
| Average total loans | $101,940,750 | 3,292 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 4,112 |
| Cost of funding earning assets | 0.5967% | 2,248 |
| Net interest margin | 3.2884% | 4,283 |
| Noninterest income to average assets | 0.3419% | 3,893 |
| Noninterest expense to average assets | 2.1830% | 4,405 |
| Loan and lease loss provision to assets | 0.0671% | 2,550 |
| Net operating income to assets | 0.9509% | 3,228 |
| Return on assets (ROA) | 0.9509% | 3,239 |
| Pretax return on assets | 1.2042% | 2,928 |
| Return on Equity (ROE) | 8.9543% | 3,041 |
| Retained earnings to average equity (ytd only) | 2.3966% | 4,312 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1965% | 3,435 |
| Assets per employee ($millions) | 7.2971% | 829 |
| Cash dividends to net income (ytd only)* | 73.2357% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 5,013 |
| Loan loss allowance to noncurrent loans | 365.9574% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,408 |
| Noncurrent loans to loans | 0.1805% | 4,097 |
| Net loans and leases to total assets | 64.4425% | 3,346 |
| Net loans and leases to deposits | 72.2263% | 3,695 |
| Net loans and leases to core deposits | 76.4932% | 3,704 |
| Total domestic deposits to total assets | 89.2230% | 844 |
| Equity capital to assets | 10.4923% | 3,127 |
| Core capital (leverage) ratio | 11.0732% | 2,462 |
| Tier 1 risk-based capital ratio | 15.3592% | 2,704 |
| Total risk-based capital ratio | 15.9694% | 2,938 |
| Memoranda: | ||
| Average total assets | $157,947,670 | 3,343 |
| Average earning assets | $149,497,000 | 3,299 |
| Average equity | $16,774,000 | 3,468 |
| Average total loans | $102,316,330 | 3,302 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,196 |
| Cost of funding earning assets | 0.5631% | 2,293 |
| Net interest margin | 3.2440% | 4,329 |
| Noninterest income to average assets | 0.3371% | 3,905 |
| Noninterest expense to average assets | 2.2138% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9473% | 3,083 |
| Return on assets (ROA) | 0.9473% | 3,102 |
| Pretax return on assets | 1.1976% | 2,760 |
| Return on Equity (ROE) | 8.8655% | 2,970 |
| Retained earnings to average equity (ytd only) | -4.2774% | 5,159 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8952% | 3,335 |
| Assets per employee ($millions) | 6.8580% | 1,024 |
| Cash dividends to net income (ytd only)* | 148.2480% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6190% | 5,154 |
| Loan loss allowance to noncurrent loans | 503.9683% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,686 |
| Noncurrent loans to loans | 0.1228% | 4,412 |
| Net loans and leases to total assets | 64.6360% | 3,222 |
| Net loans and leases to deposits | 72.4479% | 3,559 |
| Net loans and leases to core deposits | 75.9647% | 3,669 |
| Total domestic deposits to total assets | 89.2173% | 1,002 |
| Equity capital to assets | 10.4771% | 3,101 |
| Core capital (leverage) ratio | 10.9615% | 2,481 |
| Tier 1 risk-based capital ratio | 15.1025% | 2,827 |
| Total risk-based capital ratio | 15.6687% | 3,073 |
| Memoranda: | ||
| Average total assets | $156,653,000 | 3,398 |
| Average earning assets | $148,459,000 | 3,358 |
| Average equity | $16,739,000 | 3,504 |
| Average total loans | $101,403,500 | 3,335 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 3,937 |
| Cost of funding earning assets | 0.4935% | 2,390 |
| Net interest margin | 3.3394% | 4,040 |
| Noninterest income to average assets | 0.3562% | 3,918 |
| Noninterest expense to average assets | 2.2224% | 4,486 |
| Loan and lease loss provision to assets | 0.0970% | 2,269 |
| Net operating income to assets | 0.8268% | 3,050 |
| Return on assets (ROA) | 0.8268% | 3,089 |
| Pretax return on assets | 1.1952% | 2,789 |
| Return on Equity (ROE) | 7.7181% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.5802% | 2,406 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2334% | 3,728 |
| Assets per employee ($millions) | 6.7640% | 1,076 |
| Cash dividends to net income (ytd only)* | 40.6568% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 5,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.0115% | 3,366 |
| Net loans and leases to deposits | 72.0928% | 3,693 |
| Net loans and leases to core deposits | 75.5649% | 3,769 |
| Total domestic deposits to total assets | 88.7904% | 1,091 |
| Equity capital to assets | 10.8966% | 2,733 |
| Core capital (leverage) ratio | 11.1266% | 2,219 |
| Tier 1 risk-based capital ratio | 15.6469% | 2,567 |
| Total risk-based capital ratio | 16.2274% | 2,790 |
| Memoranda: | ||
| Average total assets | $154,698,600 | 3,418 |
| Average earning assets | $146,313,000 | 3,367 |
| Average equity | $16,571,400 | 3,528 |
| Average total loans | $96,410,000 | 3,408 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 3,907 |
| Cost of funding earning assets | 0.4871% | 2,373 |
| Net interest margin | 3.3413% | 4,041 |
| Noninterest income to average assets | 0.3556% | 3,991 |
| Noninterest expense to average assets | 2.2250% | 4,477 |
| Loan and lease loss provision to assets | 0.0975% | 2,156 |
| Net operating income to assets | 0.8441% | 3,299 |
| Return on assets (ROA) | 0.8441% | 3,348 |
| Pretax return on assets | 1.1945% | 2,932 |
| Return on Equity (ROE) | 7.9142% | 3,165 |
| Retained earnings to average equity (ytd only) | 3.7062% | 3,719 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2638% | 3,672 |
| Assets per employee ($millions) | 6.4282% | 1,225 |
| Cash dividends to net income (ytd only)* | 53.1699% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 5,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.8818% | 3,420 |
| Net loans and leases to deposits | 72.0005% | 3,776 |
| Net loans and leases to core deposits | 74.6872% | 3,917 |
| Total domestic deposits to total assets | 88.7242% | 1,000 |
| Equity capital to assets | 10.9440% | 2,917 |
| Core capital (leverage) ratio | 10.8114% | 2,634 |
| Tier 1 risk-based capital ratio | 15.2151% | 2,830 |
| Total risk-based capital ratio | 15.7570% | 3,090 |
| Memoranda: | ||
| Average total assets | $154,480,250 | 3,447 |
| Average earning assets | $146,166,750 | 3,396 |
| Average equity | $16,476,250 | 3,571 |
| Average total loans | $95,457,750 | 3,451 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 3,941 |
| Cost of funding earning assets | 0.4762% | 2,366 |
| Net interest margin | 3.3084% | 4,076 |
| Noninterest income to average assets | 0.3533% | 4,029 |
| Noninterest expense to average assets | 2.2168% | 4,533 |
| Loan and lease loss provision to assets | 0.0971% | 2,061 |
| Net operating income to assets | 0.8308% | 3,248 |
| Return on assets (ROA) | 0.8308% | 3,298 |
| Pretax return on assets | 1.1686% | 2,904 |
| Return on Equity (ROE) | 7.8579% | 3,119 |
| Retained earnings to average equity (ytd only) | 1.4932% | 4,649 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6566% | 3,730 |
| Assets per employee ($millions) | 6.5046% | 1,152 |
| Cash dividends to net income (ytd only)* | 80.9969% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 5,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.7692% | 3,538 |
| Net loans and leases to deposits | 70.5185% | 3,873 |
| Net loans and leases to core deposits | 73.0988% | 4,016 |
| Total domestic deposits to total assets | 89.0110% | 949 |
| Equity capital to assets | 10.6322% | 3,192 |
| Core capital (leverage) ratio | 10.4531% | 2,973 |
| Tier 1 risk-based capital ratio | 14.8764% | 2,985 |
| Total risk-based capital ratio | 15.3828% | 3,266 |
| Memoranda: | ||
| Average total assets | $154,548,000 | 3,460 |
| Average earning assets | $146,171,330 | 3,412 |
| Average equity | $16,340,330 | 3,596 |
| Average total loans | $94,226,000 | 3,491 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 4,132 |
| Cost of funding earning assets | 0.4602% | 2,428 |
| Net interest margin | 3.2351% | 4,230 |
| Noninterest income to average assets | 0.3512% | 4,031 |
| Noninterest expense to average assets | 2.2372% | 4,562 |
| Loan and lease loss provision to assets | 0.0989% | 1,913 |
| Net operating income to assets | 0.7700% | 3,367 |
| Return on assets (ROA) | 0.7700% | 3,425 |
| Pretax return on assets | 1.0692% | 3,092 |
| Return on Equity (ROE) | 7.3035% | 3,267 |
| Retained earnings to average equity (ytd only) | -5.5269% | 5,420 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6990% | 3,548 |
| Assets per employee ($millions) | 6.7847% | 1,042 |
| Cash dividends to net income (ytd only)* | 175.6757% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5592% | 5,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.6006% | 3,824 |
| Net loans and leases to deposits | 66.6674% | 4,118 |
| Net loans and leases to core deposits | 68.4036% | 4,265 |
| Total domestic deposits to total assets | 89.4000% | 947 |
| Equity capital to assets | 10.3430% | 3,358 |
| Core capital (leverage) ratio | 10.6045% | 2,785 |
| Tier 1 risk-based capital ratio | 15.0702% | 2,932 |
| Total risk-based capital ratio | 15.5596% | 3,233 |
| Memoranda: | ||
| Average total assets | $153,767,000 | 3,507 |
| Average earning assets | $145,159,000 | 3,459 |
| Average equity | $16,211,500 | 3,637 |
| Average total loans | $92,064,500 | 3,551 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 4,141 |
| Cost of funding earning assets | 0.4583% | 2,460 |
| Net interest margin | 3.2666% | 4,239 |
| Noninterest income to average assets | 0.3586% | 4,172 |
| Noninterest expense to average assets | 2.0620% | 5,071 |
| Loan and lease loss provision to assets | 0.0510% | 3,365 |
| Net operating income to assets | 0.9514% | 2,577 |
| Return on assets (ROA) | 0.9514% | 2,684 |
| Pretax return on assets | 1.3502% | 2,104 |
| Return on Equity (ROE) | 8.6417% | 2,595 |
| Retained earnings to average equity (ytd only) | 5.6128% | 1,942 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5402% | 4,658 |
| Assets per employee ($millions) | 6.5864% | 1,107 |
| Cash dividends to net income (ytd only)* | 35.0501% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 5,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.4876% | 3,908 |
| Net loans and leases to deposits | 67.7096% | 4,106 |
| Net loans and leases to core deposits | 69.4166% | 4,294 |
| Total domestic deposits to total assets | 87.8570% | 1,708 |
| Equity capital to assets | 10.7488% | 2,870 |
| Core capital (leverage) ratio | 10.9146% | 2,430 |
| Tier 1 risk-based capital ratio | 15.7781% | 2,643 |
| Total risk-based capital ratio | 16.2467% | 2,905 |
| Memoranda: | ||
| Average total assets | $146,942,200 | 3,563 |
| Average earning assets | $139,654,600 | 3,498 |
| Average equity | $16,177,400 | 3,671 |
| Average total loans | $84,920,200 | 3,688 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,157 |
| Cost of funding earning assets | 0.4621% | 2,444 |
| Net interest margin | 3.2647% | 4,293 |
| Noninterest income to average assets | 0.3566% | 4,235 |
| Noninterest expense to average assets | 2.0282% | 5,146 |
| Loan and lease loss provision to assets | 0.0485% | 3,280 |
| Net operating income to assets | 0.9784% | 2,524 |
| Return on assets (ROA) | 0.9784% | 2,657 |
| Pretax return on assets | 1.3936% | 2,057 |
| Return on Equity (ROE) | 8.8331% | 2,585 |
| Retained earnings to average equity (ytd only) | 4.7880% | 2,963 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4453% | 4,759 |
| Assets per employee ($millions) | 7.4089% | 752 |
| Cash dividends to net income (ytd only)* | 45.7946% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5412% | 5,685 |
| Loan loss allowance to noncurrent loans | 406.1404% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 5,129 |
| Noncurrent loans to loans | 0.1332% | 4,808 |
| Net loans and leases to total assets | 57.4279% | 4,146 |
| Net loans and leases to deposits | 64.9774% | 4,418 |
| Net loans and leases to core deposits | 66.3809% | 4,584 |
| Total domestic deposits to total assets | 88.3815% | 1,194 |
| Equity capital to assets | 11.1900% | 2,807 |
| Core capital (leverage) ratio | 10.8687% | 2,605 |
| Tier 1 risk-based capital ratio | 16.3299% | 2,480 |
| Total risk-based capital ratio | 16.8024% | 2,743 |
| Memoranda: | ||
| Average total assets | $145,806,000 | 3,595 |
| Average earning assets | $139,061,500 | 3,526 |
| Average equity | $16,151,000 | 3,704 |
| Average total loans | $83,500,000 | 3,742 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 4,295 |
| Cost of funding earning assets | 0.4616% | 2,458 |
| Net interest margin | 3.2402% | 4,409 |
| Noninterest income to average assets | 0.3503% | 4,273 |
| Noninterest expense to average assets | 1.9984% | 5,267 |
| Loan and lease loss provision to assets | 0.0414% | 3,330 |
| Net operating income to assets | 0.9902% | 2,433 |
| Return on assets (ROA) | 0.9902% | 2,571 |
| Pretax return on assets | 1.4081% | 1,992 |
| Return on Equity (ROE) | 8.9707% | 2,502 |
| Retained earnings to average equity (ytd only) | 2.8486% | 4,093 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9600% | 4,908 |
| Assets per employee ($millions) | 7.3246% | 756 |
| Cash dividends to net income (ytd only)* | 68.2451% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 5,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.3853% | 4,263 |
| Net loans and leases to deposits | 63.8188% | 4,503 |
| Net loans and leases to core deposits | 65.2098% | 4,669 |
| Total domestic deposits to total assets | 88.3523% | 1,245 |
| Equity capital to assets | 11.1672% | 2,885 |
| Core capital (leverage) ratio | 10.7349% | 2,709 |
| Tier 1 risk-based capital ratio | 16.5055% | 2,425 |
| Total risk-based capital ratio | 16.9695% | 2,710 |
| Memoranda: | ||
| Average total assets | $145,015,670 | 3,630 |
| Average earning assets | $138,635,000 | 3,552 |
| Average equity | $16,007,670 | 3,731 |
| Average total loans | $82,814,000 | 3,782 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 4,348 |
| Cost of funding earning assets | 0.4543% | 2,537 |
| Net interest margin | 3.2377% | 4,444 |
| Noninterest income to average assets | 0.3271% | 4,392 |
| Noninterest expense to average assets | 1.9795% | 5,381 |
| Loan and lease loss provision to assets | 0.0416% | 3,093 |
| Net operating income to assets | 0.9953% | 2,301 |
| Return on assets (ROA) | 0.9953% | 2,417 |
| Pretax return on assets | 1.4084% | 1,878 |
| Return on Equity (ROE) | 9.0702% | 2,395 |
| Retained earnings to average equity (ytd only) | -3.3098% | 5,501 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7203% | 5,031 |
| Assets per employee ($millions) | 7.6242% | 663 |
| Cash dividends to net income (ytd only)* | 136.4903% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 5,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.9554% | 4,151 |
| Net loans and leases to deposits | 64.2763% | 4,421 |
| Net loans and leases to core deposits | 65.5551% | 4,568 |
| Total domestic deposits to total assets | 88.6103% | 1,300 |
| Equity capital to assets | 10.9306% | 3,020 |
| Core capital (leverage) ratio | 10.8662% | 2,553 |
| Tier 1 risk-based capital ratio | 16.1628% | 2,599 |
| Total risk-based capital ratio | 16.6121% | 2,928 |
| Memoranda: | ||
| Average total assets | $144,277,500 | 3,662 |
| Average earning assets | $138,245,500 | 3,586 |
| Average equity | $15,832,000 | 3,754 |
| Average total loans | $82,701,000 | 3,789 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,246 |
| Cost of funding earning assets | 0.4756% | 2,393 |
| Net interest margin | 3.2610% | 4,435 |
| Noninterest income to average assets | 0.3689% | 4,269 |
| Noninterest expense to average assets | 2.0209% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0502% | 2,123 |
| Return on assets (ROA) | 1.0578% | 2,175 |
| Pretax return on assets | 1.4884% | 1,593 |
| Return on Equity (ROE) | 9.6143% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.6139% | 1,485 |
| Net charge-offs to loans | -0.0013% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7641% | 5,166 |
| Assets per employee ($millions) | 7.5629% | 674 |
| Cash dividends to net income (ytd only)* | 31.2076% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4971% | 5,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.1081% | 4,186 |
| Net loans and leases to deposits | 64.3952% | 4,437 |
| Net loans and leases to core deposits | 65.5254% | 4,628 |
| Total domestic deposits to total assets | 88.6837% | 1,293 |
| Equity capital to assets | 11.0163% | 2,804 |
| Core capital (leverage) ratio | 10.8250% | 2,583 |
| Tier 1 risk-based capital ratio | 16.4665% | 2,499 |
| Total risk-based capital ratio | 16.9042% | 2,786 |
| Memoranda: | ||
| Average total assets | $139,343,600 | 3,731 |
| Average earning assets | $133,730,600 | 3,632 |
| Average equity | $15,331,400 | 3,779 |
| Average total loans | $77,519,800 | 3,898 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,303 |
| Cost of funding earning assets | 0.4774% | 2,430 |
| Net interest margin | 3.2606% | 4,489 |
| Noninterest income to average assets | 0.3665% | 4,306 |
| Noninterest expense to average assets | 2.0204% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0515% | 2,211 |
| Return on assets (ROA) | 1.0618% | 2,257 |
| Pretax return on assets | 1.4890% | 1,712 |
| Return on Equity (ROE) | 9.6533% | 2,239 |
| Retained earnings to average equity (ytd only) | 5.6202% | 2,510 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8091% | 5,145 |
| Assets per employee ($millions) | 7.2881% | 762 |
| Cash dividends to net income (ytd only)* | 41.7804% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5208% | 5,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.4200% | 4,305 |
| Net loans and leases to deposits | 63.9468% | 4,564 |
| Net loans and leases to core deposits | 65.1145% | 4,752 |
| Total domestic deposits to total assets | 88.2296% | 1,434 |
| Equity capital to assets | 11.3018% | 2,695 |
| Core capital (leverage) ratio | 10.7717% | 2,745 |
| Tier 1 risk-based capital ratio | 16.7505% | 2,456 |
| Total risk-based capital ratio | 17.2058% | 2,760 |
| Memoranda: | ||
| Average total assets | $138,255,500 | 3,782 |
| Average earning assets | $132,652,750 | 3,685 |
| Average equity | $15,206,750 | 3,839 |
| Average total loans | $76,281,750 | 3,969 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7323% | 4,309 |
| Cost of funding earning assets | 0.4750% | 2,469 |
| Net interest margin | 3.2573% | 4,469 |
| Noninterest income to average assets | 0.3604% | 4,365 |
| Noninterest expense to average assets | 2.0046% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0625% | 2,092 |
| Return on assets (ROA) | 1.0739% | 2,142 |
| Pretax return on assets | 1.4980% | 1,651 |
| Return on Equity (ROE) | 9.8546% | 2,135 |
| Retained earnings to average equity (ytd only) | 3.7453% | 3,630 |
| Net charge-offs to loans | -0.0026% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4927% | 5,280 |
| Assets per employee ($millions) | 7.3353% | 724 |
| Cash dividends to net income (ytd only)* | 61.9946% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5283% | 6,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.5288% | 4,381 |
| Net loans and leases to deposits | 62.5979% | 4,655 |
| Net loans and leases to core deposits | 63.8566% | 4,813 |
| Total domestic deposits to total assets | 88.7071% | 1,293 |
| Equity capital to assets | 10.8839% | 3,010 |
| Core capital (leverage) ratio | 10.5757% | 2,868 |
| Tier 1 risk-based capital ratio | 17.3283% | 2,275 |
| Total risk-based capital ratio | 17.8131% | 2,534 |
| Memoranda: | ||
| Average total assets | $138,182,670 | 3,818 |
| Average earning assets | $132,625,000 | 3,712 |
| Average equity | $15,059,000 | 3,878 |
| Average total loans | $75,530,330 | 4,013 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 4,371 |
| Cost of funding earning assets | 0.4704% | 2,562 |
| Net interest margin | 3.2288% | 4,490 |
| Noninterest income to average assets | 0.3460% | 4,431 |
| Noninterest expense to average assets | 2.0089% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0323% | 2,112 |
| Return on assets (ROA) | 1.0553% | 2,148 |
| Pretax return on assets | 1.4623% | 1,688 |
| Return on Equity (ROE) | 9.6774% | 2,142 |
| Retained earnings to average equity (ytd only) | -2.5860% | 5,757 |
| Net charge-offs to loans | -0.0054% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4108% | 5,292 |
| Assets per employee ($millions) | 7.3694% | 720 |
| Cash dividends to net income (ytd only)* | 126.7218% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 6,129 |
| Loan loss allowance to noncurrent loans | 13,666.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,969 |
| Noncurrent loans to loans | 0.0040% | 5,805 |
| Net loans and leases to total assets | 53.9134% | 4,455 |
| Net loans and leases to deposits | 60.7709% | 4,686 |
| Net loans and leases to core deposits | 61.8316% | 4,848 |
| Total domestic deposits to total assets | 88.7158% | 1,444 |
| Equity capital to assets | 10.7614% | 3,243 |
| Core capital (leverage) ratio | 10.5763% | 2,873 |
| Tier 1 risk-based capital ratio | 16.9393% | 2,500 |
| Total risk-based capital ratio | 17.4247% | 2,776 |
| Memoranda: | ||
| Average total assets | $137,588,500 | 3,844 |
| Average earning assets | $131,815,500 | 3,751 |
| Average equity | $15,004,000 | 3,911 |
| Average total loans | $74,394,500 | 4,069 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 4,891 |
| Cost of funding earning assets | 0.5084% | 2,583 |
| Net interest margin | 3.1572% | 5,049 |
| Noninterest income to average assets | 0.3775% | 4,365 |
| Noninterest expense to average assets | 1.9688% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0463% | 2,181 |
| Return on assets (ROA) | 1.0623% | 2,178 |
| Pretax return on assets | 1.4567% | 1,702 |
| Return on Equity (ROE) | 9.9754% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.5137% | 2,957 |
| Net charge-offs to loans | 0.0086% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 326.8333% | 171 |
| Efficiency ratio | 57.8461% | 5,473 |
| Assets per employee ($millions) | 7.1136% | 796 |
| Cash dividends to net income (ytd only)* | 54.7521% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 6,193 |
| Loan loss allowance to noncurrent loans | 8,180.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 6,079 |
| Noncurrent loans to loans | 0.0069% | 5,899 |
| Net loans and leases to total assets | 53.6269% | 4,619 |
| Net loans and leases to deposits | 60.5441% | 4,855 |
| Net loans and leases to core deposits | 61.3778% | 5,053 |
| Total domestic deposits to total assets | 88.5749% | 1,479 |
| Equity capital to assets | 11.0537% | 2,846 |
| Core capital (leverage) ratio | 10.4809% | 2,970 |
| Tier 1 risk-based capital ratio | 17.7476% | 2,221 |
| Total risk-based capital ratio | 18.2515% | 2,470 |
| Memoranda: | ||
| Average total assets | $136,680,400 | 3,865 |
| Average earning assets | $131,004,200 | 3,748 |
| Average equity | $14,555,800 | 3,924 |
| Average total loans | $69,677,400 | 4,194 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 5,029 |
| Cost of funding earning assets | 0.5097% | 2,664 |
| Net interest margin | 3.1323% | 5,167 |
| Noninterest income to average assets | 0.3706% | 4,460 |
| Noninterest expense to average assets | 1.9485% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0360% | 2,298 |
| Return on assets (ROA) | 1.0360% | 2,359 |
| Pretax return on assets | 1.4232% | 1,916 |
| Return on Equity (ROE) | 9.8201% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.8234% | 1,913 |
| Net charge-offs to loans | 0.0116% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 243.8275% | 272 |
| Efficiency ratio | 57.7900% | 5,472 |
| Assets per employee ($millions) | 7.1758% | 746 |
| Cash dividends to net income (ytd only)* | 30.5164% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 6,260 |
| Loan loss allowance to noncurrent loans | 274.4966% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 5,724 |
| Noncurrent loans to loans | 0.2084% | 5,278 |
| Net loans and leases to total assets | 52.1446% | 4,791 |
| Net loans and leases to deposits | 58.9107% | 5,021 |
| Net loans and leases to core deposits | 59.8495% | 5,201 |
| Total domestic deposits to total assets | 88.5147% | 1,490 |
| Equity capital to assets | 11.0452% | 2,906 |
| Core capital (leverage) ratio | 10.5971% | 2,925 |
| Tier 1 risk-based capital ratio | 18.0837% | 2,189 |
| Total risk-based capital ratio | 18.5941% | 2,413 |
| Memoranda: | ||
| Average total assets | $137,061,000 | 3,881 |
| Average earning assets | $131,317,250 | 3,757 |
| Average equity | $14,459,750 | 3,964 |
| Average total loans | $68,874,250 | 4,246 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 5,029 |
| Cost of funding earning assets | 0.5124% | 2,698 |
| Net interest margin | 3.1309% | 5,155 |
| Noninterest income to average assets | 0.3656% | 4,512 |
| Noninterest expense to average assets | 1.9577% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0284% | 2,210 |
| Return on assets (ROA) | 1.0284% | 2,274 |
| Pretax return on assets | 1.4071% | 1,868 |
| Return on Equity (ROE) | 9.9018% | 2,193 |
| Retained earnings to average equity (ytd only) | 5.3436% | 2,737 |
| Net charge-offs to loans | 0.0176% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 386 |
| Efficiency ratio | 58.1818% | 5,534 |
| Assets per employee ($millions) | 7.1699% | 741 |
| Cash dividends to net income (ytd only)* | 46.0340% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5933% | 6,320 |
| Loan loss allowance to noncurrent loans | 274.4966% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 5,831 |
| Noncurrent loans to loans | 0.2162% | 5,363 |
| Net loans and leases to total assets | 50.2995% | 4,926 |
| Net loans and leases to deposits | 56.6832% | 5,142 |
| Net loans and leases to core deposits | 57.5090% | 5,306 |
| Total domestic deposits to total assets | 88.7380% | 1,508 |
| Equity capital to assets | 10.8208% | 3,065 |
| Core capital (leverage) ratio | 10.2265% | 3,297 |
| Tier 1 risk-based capital ratio | 18.2210% | 2,160 |
| Total risk-based capital ratio | 18.7484% | 2,390 |
| Memoranda: | ||
| Average total assets | $137,301,330 | 3,900 |
| Average earning assets | $131,529,000 | 3,773 |
| Average equity | $14,260,000 | 3,991 |
| Average total loans | $67,998,000 | 4,296 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5467% | 5,308 |
| Cost of funding earning assets | 0.5119% | 2,788 |
| Net interest margin | 3.0348% | 5,429 |
| Noninterest income to average assets | 0.3453% | 4,610 |
| Noninterest expense to average assets | 1.9356% | 5,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9722% | 2,314 |
| Return on assets (ROA) | 0.9722% | 2,379 |
| Pretax return on assets | 1.3175% | 2,038 |
| Return on Equity (ROE) | 9.5581% | 2,223 |
| Retained earnings to average equity (ytd only) | 0.2853% | 5,463 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5004% | 5,471 |
| Assets per employee ($millions) | 7.3876% | 667 |
| Cash dividends to net income (ytd only)* | 97.0149% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 6,391 |
| Loan loss allowance to noncurrent loans | 165.3386% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,691 |
| Noncurrent loans to loans | 0.3714% | 5,014 |
| Net loans and leases to total assets | 47.8542% | 5,153 |
| Net loans and leases to deposits | 53.4006% | 5,339 |
| Net loans and leases to core deposits | 54.2687% | 5,478 |
| Total domestic deposits to total assets | 89.6134% | 1,302 |
| Equity capital to assets | 10.0681% | 3,764 |
| Core capital (leverage) ratio | 10.1208% | 3,401 |
| Tier 1 risk-based capital ratio | 17.8815% | 2,343 |
| Total risk-based capital ratio | 18.4208% | 2,567 |
| Memoranda: | ||
| Average total assets | $137,838,000 | 3,924 |
| Average earning assets | $132,066,500 | 3,799 |
| Average equity | $14,019,500 | 4,044 |
| Average total loans | $67,531,500 | 4,337 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 4,574 |
| Cost of funding earning assets | 0.6230% | 2,453 |
| Net interest margin | 3.2470% | 4,845 |
| Noninterest income to average assets | 0.3316% | 4,964 |
| Noninterest expense to average assets | 1.9680% | 6,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0626% | 2,070 |
| Return on assets (ROA) | 1.0850% | 2,055 |
| Pretax return on assets | 1.4758% | 1,530 |
| Return on Equity (ROE) | 10.8652% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.8652% | 438 |
| Net charge-offs to loans | 0.0712% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 42.4565% | 897 |
| Efficiency ratio | 57.6539% | 5,775 |
| Assets per employee ($millions) | 7.1217% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 6,455 |
| Loan loss allowance to noncurrent loans | 164.6825% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,690 |
| Noncurrent loans to loans | 0.3735% | 5,070 |
| Net loans and leases to total assets | 49.5618% | 5,134 |
| Net loans and leases to deposits | 55.3275% | 5,363 |
| Net loans and leases to core deposits | 56.0193% | 5,534 |
| Total domestic deposits to total assets | 89.5789% | 1,283 |
| Equity capital to assets | 10.2777% | 3,412 |
| Core capital (leverage) ratio | 10.0050% | 3,566 |
| Tier 1 risk-based capital ratio | 18.0914% | 2,220 |
| Total risk-based capital ratio | 18.6374% | 2,434 |
| Memoranda: | ||
| Average total assets | $135,109,000 | 3,979 |
| Average earning assets | $128,243,000 | 3,884 |
| Average equity | $13,492,600 | 4,169 |
| Average total loans | $64,576,800 | 4,459 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 4,570 |
| Cost of funding earning assets | 0.6402% | 2,453 |
| Net interest margin | 3.2418% | 4,857 |
| Noninterest income to average assets | 0.3327% | 5,029 |
| Noninterest expense to average assets | 1.9576% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0587% | 2,153 |
| Return on assets (ROA) | 1.0682% | 2,211 |
| Pretax return on assets | 1.4522% | 1,757 |
| Return on Equity (ROE) | 10.7747% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.7747% | 622 |
| Net charge-offs to loans | 0.0752% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 40.4990% | 997 |
| Efficiency ratio | 57.6286% | 5,735 |
| Assets per employee ($millions) | 7.1529% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 6,499 |
| Loan loss allowance to noncurrent loans | 405.7143% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 6,204 |
| Noncurrent loans to loans | 0.1604% | 5,835 |
| Net loans and leases to total assets | 47.8640% | 5,357 |
| Net loans and leases to deposits | 53.3297% | 5,602 |
| Net loans and leases to core deposits | 53.8502% | 5,772 |
| Total domestic deposits to total assets | 89.7510% | 1,137 |
| Equity capital to assets | 9.9672% | 3,944 |
| Core capital (leverage) ratio | 9.7477% | 4,033 |
| Tier 1 risk-based capital ratio | 17.6812% | 2,445 |
| Total risk-based capital ratio | 18.2510% | 2,670 |
| Memoranda: | ||
| Average total assets | $135,058,250 | 4,012 |
| Average earning assets | $127,662,250 | 3,925 |
| Average equity | $13,389,000 | 4,233 |
| Average total loans | $63,851,500 | 4,531 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,448 |
| Cost of funding earning assets | 0.6580% | 2,429 |
| Net interest margin | 3.2489% | 4,772 |
| Noninterest income to average assets | 0.3280% | 5,070 |
| Noninterest expense to average assets | 1.9440% | 6,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0660% | 2,053 |
| Return on assets (ROA) | 1.0803% | 2,110 |
| Pretax return on assets | 1.4661% | 1,720 |
| Return on Equity (ROE) | 10.9173% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.9173% | 657 |
| Net charge-offs to loans | 0.0979% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 31.4516% | 1,114 |
| Efficiency ratio | 57.3304% | 5,822 |
| Assets per employee ($millions) | 6.4742% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 6,568 |
| Loan loss allowance to noncurrent loans | 169.2913% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 5,935 |
| Noncurrent loans to loans | 0.3777% | 5,333 |
| Net loans and leases to total assets | 49.1435% | 5,207 |
| Net loans and leases to deposits | 54.4841% | 5,477 |
| Net loans and leases to core deposits | 55.3838% | 5,647 |
| Total domestic deposits to total assets | 90.1978% | 911 |
| Equity capital to assets | 9.6301% | 4,414 |
| Core capital (leverage) ratio | 9.4692% | 4,295 |
| Tier 1 risk-based capital ratio | 16.8710% | 2,759 |
| Total risk-based capital ratio | 17.4348% | 3,048 |
| Memoranda: | ||
| Average total assets | $134,775,670 | 4,048 |
| Average earning assets | $127,057,670 | 3,965 |
| Average equity | $13,336,670 | 4,274 |
| Average total loans | $63,310,000 | 4,562 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 4,348 |
| Cost of funding earning assets | 0.6765% | 2,423 |
| Net interest margin | 3.2586% | 4,688 |
| Noninterest income to average assets | 0.3190% | 5,140 |
| Noninterest expense to average assets | 1.9466% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0564% | 2,011 |
| Return on assets (ROA) | 1.0851% | 2,025 |
| Pretax return on assets | 1.4696% | 1,652 |
| Return on Equity (ROE) | 10.8184% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.8184% | 912 |
| Net charge-offs to loans | -0.0065% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6346% | 5,895 |
| Assets per employee ($millions) | 6.7853% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 6,551 |
| Loan loss allowance to noncurrent loans | 135.3801% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 5,820 |
| Noncurrent loans to loans | 0.5373% | 5,102 |
| Net loans and leases to total assets | 46.5620% | 5,380 |
| Net loans and leases to deposits | 52.0821% | 5,609 |
| Net loans and leases to core deposits | 52.6072% | 5,776 |
| Total domestic deposits to total assets | 89.4013% | 1,413 |
| Equity capital to assets | 10.0026% | 4,149 |
| Core capital (leverage) ratio | 9.4625% | 4,144 |
| Tier 1 risk-based capital ratio | 16.9684% | 2,764 |
| Total risk-based capital ratio | 17.5968% | 3,034 |
| Memoranda: | ||
| Average total assets | $134,184,000 | 4,100 |
| Average earning assets | $125,944,000 | 4,021 |
| Average equity | $13,458,500 | 4,294 |
| Average total loans | $61,342,500 | 4,656 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 4,147 |
| Cost of funding earning assets | 0.7936% | 2,716 |
| Net interest margin | 3.5185% | 4,427 |
| Noninterest income to average assets | 0.3611% | 4,900 |
| Noninterest expense to average assets | 2.0519% | 6,232 |
| Loan and lease loss provision to assets | 0.0289% | 5,533 |
| Net operating income to assets | 1.1645% | 1,713 |
| Return on assets (ROA) | 1.2026% | 1,763 |
| Pretax return on assets | 1.6339% | 1,298 |
| Return on Equity (ROE) | 12.1709% | 1,462 |
| Retained earnings to average equity (ytd only) | 9.6057% | 676 |
| Net charge-offs to loans | 0.0348% | 5,433 |
| Credit loss provision to net charge-offs | 176.1905% | 1,491 |
| Earnings coverage of net charge-offs (x) | 98.3810% | 390 |
| Efficiency ratio | 56.0145% | 6,057 |
| Assets per employee ($millions) | 6.6332% | 933 |
| Cash dividends to net income (ytd only)* | 21.0765% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 6,520 |
| Loan loss allowance to noncurrent loans | 147.1338% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 5,961 |
| Noncurrent loans to loans | 0.5319% | 5,200 |
| Net loans and leases to total assets | 44.1517% | 5,804 |
| Net loans and leases to deposits | 49.4137% | 6,000 |
| Net loans and leases to core deposits | 49.9229% | 6,154 |
| Total domestic deposits to total assets | 89.3512% | 1,331 |
| Equity capital to assets | 10.0578% | 4,095 |
| Core capital (leverage) ratio | 9.3257% | 4,368 |
| Tier 1 risk-based capital ratio | 17.1538% | 2,582 |
| Total risk-based capital ratio | 17.8067% | 2,835 |
| Memoranda: | ||
| Average total assets | $128,219,600 | 4,181 |
| Average earning assets | $120,335,400 | 4,104 |
| Average equity | $12,669,600 | 4,424 |
| Average total loans | $60,303,000 | 4,696 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 4,142 |
| Cost of funding earning assets | 0.8151% | 2,818 |
| Net interest margin | 3.5625% | 4,387 |
| Noninterest income to average assets | 0.3671% | 4,893 |
| Noninterest expense to average assets | 2.0601% | 6,245 |
| Loan and lease loss provision to assets | 0.0199% | 5,552 |
| Net operating income to assets | 1.2019% | 1,728 |
| Return on assets (ROA) | 1.2524% | 1,734 |
| Pretax return on assets | 1.7077% | 1,250 |
| Return on Equity (ROE) | 12.7344% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.1346% | 661 |
| Net charge-offs to loans | -0.0352% | 6,615 |
| Credit loss provision to net charge-offs | -118.7500% | 6,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4020% | 6,118 |
| Assets per employee ($millions) | 6.4870% | 960 |
| Cash dividends to net income (ytd only)* | 12.5631% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 6,649 |
| Loan loss allowance to noncurrent loans | 206.8966% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 6,258 |
| Noncurrent loans to loans | 0.3753% | 5,723 |
| Net loans and leases to total assets | 47.2761% | 5,629 |
| Net loans and leases to deposits | 53.1209% | 5,883 |
| Net loans and leases to core deposits | 53.5583% | 6,078 |
| Total domestic deposits to total assets | 88.9972% | 1,427 |
| Equity capital to assets | 10.2305% | 4,164 |
| Core capital (leverage) ratio | 9.3471% | 4,507 |
| Tier 1 risk-based capital ratio | 16.2947% | 3,113 |
| Total risk-based capital ratio | 16.9483% | 3,390 |
| Memoranda: | ||
| Average total assets | $127,108,750 | 4,250 |
| Average earning assets | $119,577,250 | 4,161 |
| Average equity | $12,501,250 | 4,505 |
| Average total loans | $60,620,000 | 4,739 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 4,225 |
| Cost of funding earning assets | 0.8411% | 2,873 |
| Net interest margin | 3.5491% | 4,467 |
| Noninterest income to average assets | 0.3676% | 4,889 |
| Noninterest expense to average assets | 2.0755% | 6,273 |
| Loan and lease loss provision to assets | 0.0301% | 5,292 |
| Net operating income to assets | 1.1891% | 1,751 |
| Return on assets (ROA) | 1.2501% | 1,735 |
| Pretax return on assets | 1.6937% | 1,273 |
| Return on Equity (ROE) | 12.8879% | 1,390 |
| Retained earnings to average equity (ytd only) | 10.4378% | 865 |
| Net charge-offs to loans | -0.0531% | 6,679 |
| Credit loss provision to net charge-offs | -118.7500% | 6,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8397% | 6,131 |
| Assets per employee ($millions) | 6.3100% | 1,064 |
| Cash dividends to net income (ytd only)* | 19.0114% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 6,665 |
| Loan loss allowance to noncurrent loans | 206.0086% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 6,327 |
| Noncurrent loans to loans | 0.3892% | 5,756 |
| Net loans and leases to total assets | 47.0602% | 5,719 |
| Net loans and leases to deposits | 52.7498% | 5,974 |
| Net loans and leases to core deposits | 53.0453% | 6,159 |
| Total domestic deposits to total assets | 89.2139% | 1,381 |
| Equity capital to assets | 10.0808% | 4,218 |
| Core capital (leverage) ratio | 9.1904% | 4,623 |
| Tier 1 risk-based capital ratio | 16.1712% | 3,084 |
| Total risk-based capital ratio | 16.8427% | 3,351 |
| Memoranda: | ||
| Average total assets | $126,231,670 | 4,286 |
| Average earning assets | $119,128,670 | 4,197 |
| Average equity | $12,244,000 | 4,553 |
| Average total loans | $60,221,330 | 4,781 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 4,297 |
| Cost of funding earning assets | 0.8728% | 2,888 |
| Net interest margin | 3.5350% | 4,544 |
| Noninterest income to average assets | 0.3549% | 5,032 |
| Noninterest expense to average assets | 2.0690% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2072% | 1,715 |
| Return on assets (ROA) | 1.2072% | 1,897 |
| Pretax return on assets | 1.6222% | 1,498 |
| Return on Equity (ROE) | 12.6947% | 1,493 |
| Retained earnings to average equity (ytd only) | 7.6968% | 2,092 |
| Net charge-offs to loans | -0.0066% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0515% | 6,115 |
| Assets per employee ($millions) | 6.3431% | 1,061 |
| Cash dividends to net income (ytd only)* | 39.3701% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 6,819 |
| Loan loss allowance to noncurrent loans | 188.9831% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,413 |
| Noncurrent loans to loans | 0.3963% | 5,883 |
| Net loans and leases to total assets | 46.5853% | 5,720 |
| Net loans and leases to deposits | 51.8813% | 5,978 |
| Net loans and leases to core deposits | 52.1675% | 6,193 |
| Total domestic deposits to total assets | 89.7921% | 1,199 |
| Equity capital to assets | 9.5616% | 4,706 |
| Core capital (leverage) ratio | 8.7899% | 5,141 |
| Tier 1 risk-based capital ratio | 15.5766% | 3,400 |
| Total risk-based capital ratio | 16.1996% | 3,749 |
| Memoranda: | ||
| Average total assets | $126,247,500 | 4,320 |
| Average earning assets | $119,151,000 | 4,223 |
| Average equity | $12,005,000 | 4,607 |
| Average total loans | $60,397,000 | 4,798 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 3,903 |
| Cost of funding earning assets | 1.0495% | 3,021 |
| Net interest margin | 3.7305% | 4,155 |
| Noninterest income to average assets | 0.3379% | 5,113 |
| Noninterest expense to average assets | 2.2372% | 6,193 |
| Loan and lease loss provision to assets | -0.0507% | 7,246 |
| Net operating income to assets | 1.2707% | 1,323 |
| Return on assets (ROA) | 1.2707% | 1,424 |
| Pretax return on assets | 1.6923% | 998 |
| Return on Equity (ROE) | 14.0003% | 928 |
| Retained earnings to average equity (ytd only) | 13.5349% | 192 |
| Net charge-offs to loans | 0.0211% | 6,151 |
| Credit loss provision to net charge-offs | -461.5385% | 6,811 |
| Earnings coverage of net charge-offs (x) | 149.4615% | 222 |
| Efficiency ratio | 57.6781% | 6,092 |
| Assets per employee ($millions) | 6.2817% | 1,059 |
| Cash dividends to net income (ytd only)* | 3.3245% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 6,862 |
| Loan loss allowance to noncurrent loans | 108.8020% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 6,162 |
| Noncurrent loans to loans | 0.6678% | 5,369 |
| Net loans and leases to total assets | 48.3981% | 5,784 |
| Net loans and leases to deposits | 53.8098% | 6,088 |
| Net loans and leases to core deposits | 54.1081% | 6,298 |
| Total domestic deposits to total assets | 89.9429% | 1,023 |
| Equity capital to assets | 9.4561% | 4,951 |
| Core capital (leverage) ratio | 9.0171% | 4,753 |
| Tier 1 risk-based capital ratio | 15.2400% | 3,487 |
| Total risk-based capital ratio | 15.8610% | 3,877 |
| Memoranda: | ||
| Average total assets | $118,362,800 | 4,448 |
| Average earning assets | $112,344,400 | 4,322 |
| Average equity | $10,742,600 | 4,845 |
| Average total loans | $61,611,600 | 4,805 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 4,575 |
| Cost of funding earning assets | 1.0941% | 3,019 |
| Net interest margin | 3.5797% | 4,852 |
| Noninterest income to average assets | 0.6075% | 3,123 |
| Noninterest expense to average assets | 2.3807% | 5,817 |
| Loan and lease loss provision to assets | -0.0766% | 7,349 |
| Net operating income to assets | 1.2847% | 1,421 |
| Return on assets (ROA) | 1.2847% | 1,518 |
| Pretax return on assets | 1.7057% | 1,135 |
| Return on Equity (ROE) | 14.3169% | 976 |
| Retained earnings to average equity (ytd only) | 13.6794% | 314 |
| Net charge-offs to loans | 0.0238% | 5,817 |
| Credit loss provision to net charge-offs | -609.0909% | 6,697 |
| Earnings coverage of net charge-offs (x) | 129.4219% | 286 |
| Efficiency ratio | 59.3723% | 5,813 |
| Assets per employee ($millions) | 5.7106% | 1,417 |
| Cash dividends to net income (ytd only)* | 4.4527% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 6,942 |
| Loan loss allowance to noncurrent loans | 123.5294% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 6,318 |
| Noncurrent loans to loans | 0.5779% | 5,720 |
| Net loans and leases to total assets | 51.1432% | 5,563 |
| Net loans and leases to deposits | 57.0175% | 5,934 |
| Net loans and leases to core deposits | 57.4867% | 6,167 |
| Total domestic deposits to total assets | 89.6975% | 1,042 |
| Equity capital to assets | 9.6062% | 4,926 |
| Core capital (leverage) ratio | 8.9042% | 5,089 |
| Tier 1 risk-based capital ratio | 16.3282% | 2,955 |
| Total risk-based capital ratio | 17.0114% | 3,201 |
| Memoranda: | ||
| Average total assets | $116,545,250 | 4,520 |
| Average earning assets | $110,769,250 | 4,398 |
| Average equity | $10,458,250 | 4,930 |
| Average total loans | $61,702,250 | 4,840 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 4,522 |
| Cost of funding earning assets | 1.1329% | 3,023 |
| Net interest margin | 3.5701% | 4,837 |
| Noninterest income to average assets | 0.5458% | 3,502 |
| Noninterest expense to average assets | 2.2249% | 6,317 |
| Loan and lease loss provision to assets | -0.0139% | 7,372 |
| Net operating income to assets | 1.3048% | 1,300 |
| Return on assets (ROA) | 1.3048% | 1,377 |
| Pretax return on assets | 1.7259% | 1,001 |
| Return on Equity (ROE) | 14.9045% | 822 |
| Retained earnings to average equity (ytd only) | 14.9045% | 258 |
| Net charge-offs to loans | 0.0227% | 5,520 |
| Credit loss provision to net charge-offs | -114.2857% | 6,319 |
| Earnings coverage of net charge-offs (x) | 141.1429% | 253 |
| Efficiency ratio | 56.5141% | 6,360 |
| Assets per employee ($millions) | 5.6047% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 6,837 |
| Loan loss allowance to noncurrent loans | 45.1932% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 4,974 |
| Noncurrent loans to loans | 1.8071% | 3,745 |
| Net loans and leases to total assets | 51.9019% | 5,574 |
| Net loans and leases to deposits | 57.4503% | 6,001 |
| Net loans and leases to core deposits | 58.2106% | 6,256 |
| Total domestic deposits to total assets | 90.3423% | 791 |
| Equity capital to assets | 9.1751% | 5,316 |
| Core capital (leverage) ratio | 8.9105% | 4,863 |
| Tier 1 risk-based capital ratio | 16.1104% | 2,924 |
| Total risk-based capital ratio | 17.7807% | 2,681 |
| Memoranda: | ||
| Average total assets | $115,419,670 | 4,575 |
| Average earning assets | $109,634,000 | 4,462 |
| Average equity | $10,104,330 | 5,023 |
| Average total loans | $61,678,670 | 4,880 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 4,309 |
| Cost of funding earning assets | 1.1606% | 3,083 |
| Net interest margin | 3.5849% | 4,638 |
| Noninterest income to average assets | 0.4865% | 4,003 |
| Noninterest expense to average assets | 2.1946% | 6,437 |
| Loan and lease loss provision to assets | 0.0805% | 5,001 |
| Net operating income to assets | 1.2426% | 1,409 |
| Return on assets (ROA) | 1.2426% | 1,463 |
| Pretax return on assets | 1.6171% | 1,149 |
| Return on Equity (ROE) | 14.5537% | 895 |
| Retained earnings to average equity (ytd only) | 14.5537% | 430 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3849% | 6,459 |
| Assets per employee ($millions) | 5.5461% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,733 |
| Loan loss allowance to noncurrent loans | 80.4769% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,820 |
| Noncurrent loans to loans | 1.1018% | 4,856 |
| Net loans and leases to total assets | 51.8275% | 5,604 |
| Net loans and leases to deposits | 56.8824% | 6,040 |
| Net loans and leases to core deposits | 57.4984% | 6,306 |
| Total domestic deposits to total assets | 91.1135% | 571 |
| Equity capital to assets | 8.6143% | 5,758 |
| Core capital (leverage) ratio | 8.4485% | 5,549 |
| Tier 1 risk-based capital ratio | 15.4225% | 3,195 |
| Total risk-based capital ratio | 16.2705% | 3,373 |
| Memoranda: | ||
| Average total assets | $114,280,000 | 4,640 |
| Average earning assets | $108,568,000 | 4,511 |
| Average equity | $9,757,000 | 5,104 |
| Average total loans | $61,722,500 | 4,917 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0826% | 4,179 |
| Cost of funding earning assets | 1.3629% | 3,498 |
| Net interest margin | 3.7198% | 4,269 |
| Noninterest income to average assets | 0.6911% | 2,892 |
| Noninterest expense to average assets | 2.4660% | 5,901 |
| Loan and lease loss provision to assets | 0.0688% | 6,460 |
| Net operating income to assets | 1.2582% | 1,271 |
| Return on assets (ROA) | 1.2747% | 1,300 |
| Pretax return on assets | 1.6951% | 951 |
| Return on Equity (ROE) | 15.0890% | 703 |
| Retained earnings to average equity (ytd only) | 10.3092% | 466 |
| Net charge-offs to loans | 0.2938% | 4,552 |
| Credit loss provision to net charge-offs | 40.7609% | 6,377 |
| Earnings coverage of net charge-offs (x) | 10.3152% | 1,728 |
| Efficiency ratio | 58.6041% | 6,264 |
| Assets per employee ($millions) | 5.3377% | 1,724 |
| Cash dividends to net income (ytd only)* | 31.6775% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 6,912 |
| Loan loss allowance to noncurrent loans | 83.5484% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 5,927 |
| Noncurrent loans to loans | 0.9913% | 5,079 |
| Net loans and leases to total assets | 55.3336% | 5,438 |
| Net loans and leases to deposits | 60.6633% | 5,983 |
| Net loans and leases to core deposits | 61.3431% | 6,290 |
| Total domestic deposits to total assets | 91.2143% | 500 |
| Equity capital to assets | 8.4583% | 5,910 |
| Core capital (leverage) ratio | 8.4469% | 5,454 |
| Tier 1 risk-based capital ratio | 14.5070% | 3,541 |
| Total risk-based capital ratio | 15.3008% | 3,806 |
| Memoranda: | ||
| Average total assets | $108,963,400 | 4,742 |
| Average earning assets | $103,017,600 | 4,641 |
| Average equity | $9,205,400 | 5,355 |
| Average total loans | $62,625,200 | 4,968 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 4,262 |
| Cost of funding earning assets | 1.4027% | 3,568 |
| Net interest margin | 3.7083% | 4,364 |
| Noninterest income to average assets | 0.6939% | 2,852 |
| Noninterest expense to average assets | 2.4280% | 5,945 |
| Loan and lease loss provision to assets | 0.0641% | 6,423 |
| Net operating income to assets | 1.2731% | 1,406 |
| Return on assets (ROA) | 1.2953% | 1,423 |
| Pretax return on assets | 1.7341% | 1,041 |
| Return on Equity (ROE) | 15.3374% | 801 |
| Retained earnings to average equity (ytd only) | 11.6890% | 496 |
| Net charge-offs to loans | 0.0553% | 5,967 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 55.1858% | 527 |
| Efficiency ratio | 57.8561% | 6,293 |
| Assets per employee ($millions) | 5.3765% | 1,741 |
| Cash dividends to net income (ytd only)* | 23.7872% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 6,295 |
| Loan loss allowance to noncurrent loans | 86.6225% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 5,778 |
| Noncurrent loans to loans | 1.1809% | 4,884 |
| Net loans and leases to total assets | 56.0479% | 5,541 |
| Net loans and leases to deposits | 61.8254% | 6,132 |
| Net loans and leases to core deposits | 62.6697% | 6,400 |
| Total domestic deposits to total assets | 90.6551% | 570 |
| Equity capital to assets | 8.8258% | 5,812 |
| Core capital (leverage) ratio | 8.3254% | 5,823 |
| Tier 1 risk-based capital ratio | 13.7614% | 4,014 |
| Total risk-based capital ratio | 15.6828% | 3,525 |
| Memoranda: | ||
| Average total assets | $108,181,500 | 4,833 |
| Average earning assets | $102,183,250 | 4,722 |
| Average equity | $9,136,500 | 5,458 |
| Average total loans | $62,646,000 | 5,046 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 4,122 |
| Cost of funding earning assets | 1.4368% | 3,629 |
| Net interest margin | 3.7269% | 4,245 |
| Noninterest income to average assets | 0.6923% | 2,751 |
| Noninterest expense to average assets | 2.4670% | 5,853 |
| Loan and lease loss provision to assets | 0.0694% | 6,259 |
| Net operating income to assets | 1.2513% | 1,425 |
| Return on assets (ROA) | 1.2851% | 1,405 |
| Pretax return on assets | 1.7241% | 1,017 |
| Return on Equity (ROE) | 15.4622% | 768 |
| Retained earnings to average equity (ytd only) | 9.8190% | 885 |
| Net charge-offs to loans | 0.0129% | 6,164 |
| Credit loss provision to net charge-offs | 925.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 143 |
| Efficiency ratio | 58.5225% | 6,302 |
| Assets per employee ($millions) | 5.2158% | 1,911 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 6,146 |
| Loan loss allowance to noncurrent loans | 88.2510% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,784 |
| Noncurrent loans to loans | 1.1999% | 4,962 |
| Net loans and leases to total assets | 56.3877% | 5,640 |
| Net loans and leases to deposits | 61.7706% | 6,252 |
| Net loans and leases to core deposits | 62.6307% | 6,501 |
| Total domestic deposits to total assets | 91.2856% | 391 |
| Equity capital to assets | 8.3876% | 6,317 |
| Core capital (leverage) ratio | 8.1906% | 5,955 |
| Tier 1 risk-based capital ratio | 13.6912% | 3,946 |
| Total risk-based capital ratio | 14.7021% | 4,063 |
| Memoranda: | ||
| Average total assets | $106,606,330 | 4,898 |
| Average earning assets | $100,780,670 | 4,786 |
| Average equity | $8,860,330 | 5,545 |
| Average total loans | $62,216,000 | 5,094 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 4,045 |
| Cost of funding earning assets | 1.4623% | 3,794 |
| Net interest margin | 3.7326% | 4,090 |
| Noninterest income to average assets | 0.7114% | 2,522 |
| Noninterest expense to average assets | 2.4880% | 5,773 |
| Loan and lease loss provision to assets | 0.0837% | 5,800 |
| Net operating income to assets | 1.2364% | 1,440 |
| Return on assets (ROA) | 1.2364% | 1,513 |
| Pretax return on assets | 1.6549% | 1,153 |
| Return on Equity (ROE) | 14.9477% | 885 |
| Retained earnings to average equity (ytd only) | 3.4495% | 4,081 |
| Net charge-offs to loans | -0.0129% | 6,954 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8659% | 6,355 |
| Assets per employee ($millions) | 5.1028% | 2,090 |
| Cash dividends to net income (ytd only)* | 76.9231% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 6,194 |
| Loan loss allowance to noncurrent loans | 434.6667% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 7,134 |
| Noncurrent loans to loans | 0.2435% | 6,858 |
| Net loans and leases to total assets | 56.8856% | 5,628 |
| Net loans and leases to deposits | 62.1469% | 6,261 |
| Net loans and leases to core deposits | 69.5995% | 5,950 |
| Total domestic deposits to total assets | 91.5341% | 364 |
| Equity capital to assets | 8.1496% | 6,494 |
| Core capital (leverage) ratio | 8.0286% | 6,195 |
| Tier 1 risk-based capital ratio | 13.3647% | 4,076 |
| Total risk-based capital ratio | 14.3788% | 4,206 |
| Memoranda: | ||
| Average total assets | $105,144,000 | 5,004 |
| Average earning assets | $99,019,000 | 4,904 |
| Average equity | $8,697,000 | 5,633 |
| Average total loans | $62,112,500 | 5,176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 4,957 |
| Cost of funding earning assets | 1.8340% | 3,815 |
| Net interest margin | 3.5122% | 4,902 |
| Noninterest income to average assets | 0.8352% | 2,252 |
| Noninterest expense to average assets | 2.6194% | 5,715 |
| Loan and lease loss provision to assets | 0.0911% | 6,691 |
| Net operating income to assets | 1.0521% | 1,659 |
| Return on assets (ROA) | 1.0521% | 1,701 |
| Pretax return on assets | 1.4276% | 1,367 |
| Return on Equity (ROE) | 12.9383% | 975 |
| Retained earnings to average equity (ytd only) | 12.3291% | 189 |
| Net charge-offs to loans | 0.1011% | 6,119 |
| Credit loss provision to net charge-offs | 146.0317% | 3,246 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 909 |
| Efficiency ratio | 63.2990% | 5,914 |
| Assets per employee ($millions) | 4.9109% | 2,321 |
| Cash dividends to net income (ytd only)* | 4.7081% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,373 |
| Loan loss allowance to noncurrent loans | 396.8354% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 6,413 |
| Noncurrent loans to loans | 0.2523% | 6,792 |
| Net loans and leases to total assets | 60.1072% | 5,319 |
| Net loans and leases to deposits | 65.8718% | 6,065 |
| Net loans and leases to core deposits | 80.5562% | 6,035 |
| Total domestic deposits to total assets | 91.2488% | 455 |
| Equity capital to assets | 8.3982% | 6,059 |
| Core capital (leverage) ratio | 8.2701% | 5,678 |
| Tier 1 risk-based capital ratio | 13.5905% | 3,764 |
| Total risk-based capital ratio | 14.5909% | 3,867 |
| Memoranda: | ||
| Average total assets | $100,937,400 | 5,069 |
| Average earning assets | $94,927,200 | 4,976 |
| Average equity | $8,208,200 | 5,864 |
| Average total loans | $62,336,600 | 5,159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 5,155 |
| Cost of funding earning assets | 1.9053% | 3,855 |
| Net interest margin | 3.4488% | 5,076 |
| Noninterest income to average assets | 0.8606% | 2,141 |
| Noninterest expense to average assets | 2.6084% | 5,687 |
| Loan and lease loss provision to assets | 0.0916% | 6,451 |
| Net operating income to assets | 1.0266% | 1,974 |
| Return on assets (ROA) | 1.0266% | 2,037 |
| Pretax return on assets | 1.4012% | 1,692 |
| Return on Equity (ROE) | 12.7318% | 1,167 |
| Retained earnings to average equity (ytd only) | 11.9083% | 352 |
| Net charge-offs to loans | 0.0921% | 5,763 |
| Credit loss provision to net charge-offs | 160.4651% | 2,955 |
| Earnings coverage of net charge-offs (x) | 26.1404% | 1,028 |
| Efficiency ratio | 63.6010% | 5,824 |
| Assets per employee ($millions) | 4.9020% | 2,265 |
| Cash dividends to net income (ytd only)* | 6.4688% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 6,096 |
| Loan loss allowance to noncurrent loans | 378.7879% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 6,493 |
| Noncurrent loans to loans | 0.2726% | 6,831 |
| Net loans and leases to total assets | 58.2023% | 5,859 |
| Net loans and leases to deposits | 63.8089% | 6,507 |
| Net loans and leases to core deposits | 77.3154% | 6,538 |
| Total domestic deposits to total assets | 91.2134% | 338 |
| Equity capital to assets | 8.2980% | 6,507 |
| Core capital (leverage) ratio | 8.0174% | 6,333 |
| Tier 1 risk-based capital ratio | 13.5189% | 3,836 |
| Total risk-based capital ratio | 14.5458% | 3,937 |
| Memoranda: | ||
| Average total assets | $100,389,500 | 5,114 |
| Average earning assets | $94,329,500 | 5,030 |
| Average equity | $8,095,000 | 5,948 |
| Average total loans | $62,267,000 | 5,199 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 5,292 |
| Cost of funding earning assets | 1.9838% | 3,855 |
| Net interest margin | 3.3883% | 5,221 |
| Noninterest income to average assets | 0.9142% | 1,924 |
| Noninterest expense to average assets | 2.5698% | 5,859 |
| Loan and lease loss provision to assets | 0.0924% | 6,246 |
| Net operating income to assets | 1.0428% | 1,962 |
| Return on assets (ROA) | 1.0428% | 2,039 |
| Pretax return on assets | 1.4366% | 1,631 |
| Return on Equity (ROE) | 13.0632% | 1,172 |
| Retained earnings to average equity (ytd only) | 13.0632% | 326 |
| Net charge-offs to loans | 0.1305% | 4,864 |
| Credit loss provision to net charge-offs | 112.1951% | 4,125 |
| Earnings coverage of net charge-offs (x) | 18.5610% | 1,405 |
| Efficiency ratio | 62.6961% | 6,140 |
| Assets per employee ($millions) | 4.7630% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 6,491 |
| Loan loss allowance to noncurrent loans | 3,552.9412% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 6,391 |
| Noncurrent loans to loans | 0.0271% | 7,472 |
| Net loans and leases to total assets | 62.1773% | 5,327 |
| Net loans and leases to deposits | 67.9564% | 6,193 |
| Net loans and leases to core deposits | 80.9010% | 6,332 |
| Total domestic deposits to total assets | 91.4959% | 325 |
| Equity capital to assets | 8.1132% | 6,617 |
| Core capital (leverage) ratio | 8.0295% | 6,271 |
| Tier 1 risk-based capital ratio | 13.3218% | 3,923 |
| Total risk-based capital ratio | 14.3246% | 4,006 |
| Memoranda: | ||
| Average total assets | $99,539,000 | 5,177 |
| Average earning assets | $93,558,000 | 5,081 |
| Average equity | $7,946,000 | 6,039 |
| Average total loans | $62,843,000 | 5,219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 5,782 |
| Cost of funding earning assets | 2.0650% | 3,810 |
| Net interest margin | 3.2603% | 5,657 |
| Noninterest income to average assets | 0.9265% | 1,746 |
| Noninterest expense to average assets | 2.5177% | 5,773 |
| Loan and lease loss provision to assets | 0.0927% | 5,771 |
| Net operating income to assets | 0.9990% | 2,316 |
| Return on assets (ROA) | 0.9990% | 2,452 |
| Pretax return on assets | 1.3817% | 2,019 |
| Return on Equity (ROE) | 12.6185% | 1,481 |
| Retained earnings to average equity (ytd only) | 12.6185% | 696 |
| Net charge-offs to loans | 0.0191% | 5,298 |
| Credit loss provision to net charge-offs | 766.6667% | 777 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 358 |
| Efficiency ratio | 63.0676% | 5,861 |
| Assets per employee ($millions) | 5.0993% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 6,283 |
| Loan loss allowance to noncurrent loans | 305.4455% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 6,271 |
| Noncurrent loans to loans | 0.3226% | 6,634 |
| Net loans and leases to total assets | 60.7878% | 5,538 |
| Net loans and leases to deposits | 66.2205% | 6,359 |
| Net loans and leases to core deposits | 78.7858% | 6,476 |
| Total domestic deposits to total assets | 91.7959% | 212 |
| Equity capital to assets | 7.8364% | 7,026 |
| Core capital (leverage) ratio | 7.6190% | 7,000 |
| Tier 1 risk-based capital ratio | 12.8050% | 4,323 |
| Total risk-based capital ratio | 13.8241% | 4,418 |
| Memoranda: | ||
| Average total assets | $99,297,500 | 5,199 |
| Average earning assets | $93,364,500 | 5,108 |
| Average equity | $7,861,500 | 6,103 |
| Average total loans | $62,867,000 | 5,249 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8530% | 6,260 |
| Cost of funding earning assets | 2.6083% | 3,646 |
| Net interest margin | 3.2448% | 6,228 |
| Noninterest income to average assets | 0.8446% | 2,264 |
| Noninterest expense to average assets | 2.5952% | 5,670 |
| Loan and lease loss provision to assets | 0.0465% | 6,836 |
| Net operating income to assets | 0.8911% | 3,038 |
| Return on assets (ROA) | 0.8911% | 2,878 |
| Pretax return on assets | 1.2279% | 2,555 |
| Return on Equity (ROE) | 11.7082% | 1,683 |
| Retained earnings to average equity (ytd only) | 10.9314% | 331 |
| Net charge-offs to loans | 0.0905% | 5,448 |
| Credit loss provision to net charge-offs | 80.0000% | 5,900 |
| Earnings coverage of net charge-offs (x) | 21.9455% | 1,503 |
| Efficiency ratio | 67.0668% | 4,896 |
| Assets per employee ($millions) | 4.6004% | 2,472 |
| Cash dividends to net income (ytd only)* | 6.6351% | 4,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,419 |
| Loan loss allowance to noncurrent loans | 3,511.7647% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 7,533 |
| Noncurrent loans to loans | 0.0269% | 7,406 |
| Net loans and leases to total assets | 64.7196% | 5,123 |
| Net loans and leases to deposits | 70.6641% | 6,205 |
| Net loans and leases to core deposits | 83.2479% | 6,356 |
| Total domestic deposits to total assets | 91.5877% | 193 |
| Equity capital to assets | 8.0024% | 6,839 |
| Core capital (leverage) ratio | 7.7857% | 6,823 |
| Tier 1 risk-based capital ratio | 12.6980% | 4,292 |
| Total risk-based capital ratio | 13.7082% | 4,364 |
| Memoranda: | ||
| Average total assets | $94,714,400 | 5,208 |
| Average earning assets | $88,296,000 | 5,137 |
| Average equity | $7,208,600 | 6,380 |
| Average total loans | $60,784,800 | 5,229 |