Home > Boone Bank & Trust Co. > Performance and Condition Ratios
Boone Bank & Trust Co., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 4,189 |
| Cost of funding earning assets | 1.9464% | 2,075 |
| Net interest margin | 2.2126% | 4,210 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 1.8012% | 3,910 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.5298% | 3,517 |
| Return on assets (ROA) | 0.5298% | 3,531 |
| Pretax return on assets | 0.6815% | 3,433 |
| Return on Equity (ROE) | 8.1800% | 2,819 |
| Retained earnings to average equity (ytd only) | -0.1859% | 3,758 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 71.9923% | 1,624 |
| Assets per employee ($millions) | 8.7757% | 1,191 |
| Cash dividends to net income (ytd only)* | 102.2727% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 1,777 |
| Loan loss allowance to noncurrent loans | 47,250.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,795 |
| Noncurrent loans to loans | 0.0027% | 3,754 |
| Net loans and leases to total assets | 41.4300% | 3,932 |
| Net loans and leases to deposits | 44.4826% | 4,033 |
| Net loans and leases to core deposits | 49.3948% | 3,994 |
| Total domestic deposits to total assets | 93.1500% | 135 |
| Equity capital to assets | 6.3750% | 4,186 |
| Core capital (leverage) ratio | 9.1705% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0459% | 2,194 |
| Memoranda: | ||
| Average total assets | $166,109,500 | 3,256 |
| Average earning assets | $159,268,000 | 3,212 |
| Average equity | $10,757,500 | 3,721 |
| Average total loans | $73,283,500 | 3,538 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 4,084 |
| Cost of funding earning assets | 2.2829% | 1,567 |
| Net interest margin | 2.0075% | 4,253 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 1.7782% | 3,983 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.3772% | 3,718 |
| Return on assets (ROA) | 0.3772% | 3,749 |
| Pretax return on assets | 0.4707% | 3,705 |
| Return on Equity (ROE) | 6.0800% | 3,277 |
| Retained earnings to average equity (ytd only) | 0.9368% | 3,698 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.5929% | 1,311 |
| Assets per employee ($millions) | 7.4621% | 1,863 |
| Cash dividends to net income (ytd only)* | 84.6029% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 1,652 |
| Loan loss allowance to noncurrent loans | 47,550.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,796 |
| Noncurrent loans to loans | 0.0027% | 3,758 |
| Net loans and leases to total assets | 45.9100% | 3,816 |
| Net loans and leases to deposits | 49.4777% | 3,932 |
| Net loans and leases to core deposits | 55.8025% | 3,889 |
| Total domestic deposits to total assets | 92.8000% | 185 |
| Equity capital to assets | 6.5895% | 4,080 |
| Core capital (leverage) ratio | 9.1377% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4811% | 2,056 |
| Memoranda: | ||
| Average total assets | $163,592,600 | 3,251 |
| Average earning assets | $156,117,800 | 3,203 |
| Average equity | $10,140,400 | 3,752 |
| Average total loans | $69,156,000 | 3,585 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 4,155 |
| Cost of funding earning assets | 2.2788% | 1,572 |
| Net interest margin | 1.9286% | 4,303 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 1.7735% | 3,968 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 0.3024% | 3,857 |
| Return on assets (ROA) | 0.3024% | 3,888 |
| Pretax return on assets | 0.3686% | 3,865 |
| Return on Equity (ROE) | 4.9500% | 3,543 |
| Retained earnings to average equity (ytd only) | -0.3566% | 4,062 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 79.0155% | 1,147 |
| Assets per employee ($millions) | 8.8885% | 1,100 |
| Cash dividends to net income (ytd only)* | 107.2000% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 1,528 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 39.8300% | 4,031 |
| Net loans and leases to deposits | 42.8190% | 4,134 |
| Net loans and leases to core deposits | 47.5504% | 4,101 |
| Total domestic deposits to total assets | 93.0300% | 95 |
| Equity capital to assets | 6.4668% | 4,251 |
| Core capital (leverage) ratio | 9.2108% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0166% | 2,237 |
| Memoranda: | ||
| Average total assets | $165,314,500 | 3,235 |
| Average earning assets | $157,623,250 | 3,197 |
| Average equity | $10,094,000 | 3,771 |
| Average total loans | $68,220,000 | 3,610 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 4,072 |
| Cost of funding earning assets | 2.3181% | 1,407 |
| Net interest margin | 1.9387% | 4,316 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.8267% | 3,891 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.3152% | 3,804 |
| Return on assets (ROA) | 0.3152% | 3,846 |
| Pretax return on assets | 0.3847% | 3,824 |
| Return on Equity (ROE) | 5.2800% | 3,455 |
| Retained earnings to average equity (ytd only) | 0.6233% | 3,689 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 80.5252% | 1,086 |
| Assets per employee ($millions) | 8.3895% | 1,252 |
| Cash dividends to net income (ytd only)* | 88.1890% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 1,828 |
| Loan loss allowance to noncurrent loans | 3,476.0000% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,633 |
| Noncurrent loans to loans | 0.0368% | 3,517 |
| Net loans and leases to total assets | 42.0500% | 3,979 |
| Net loans and leases to deposits | 45.0483% | 4,073 |
| Net loans and leases to core deposits | 50.5913% | 4,031 |
| Total domestic deposits to total assets | 93.3500% | 120 |
| Equity capital to assets | 6.1255% | 4,188 |
| Core capital (leverage) ratio | 8.9571% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1482% | 2,196 |
| Memoranda: | ||
| Average total assets | $161,163,000 | 3,277 |
| Average earning assets | $153,402,000 | 3,238 |
| Average equity | $9,626,667 | 3,796 |
| Average total loans | $67,033,667 | 3,633 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 4,297 |
| Cost of funding earning assets | 2.1402% | 1,682 |
| Net interest margin | 1.8106% | 4,385 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 1.6563% | 4,143 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 0.1876% | 3,999 |
| Return on assets (ROA) | 0.1876% | 4,034 |
| Pretax return on assets | 0.2148% | 4,014 |
| Return on Equity (ROE) | 3.1800% | 3,821 |
| Retained earnings to average equity (ytd only) | -3.0969% | 4,014 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.3540% | 958 |
| Assets per employee ($millions) | 9.7059% | 803 |
| Cash dividends to net income (ytd only)* | 197.3684% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 1,895 |
| Loan loss allowance to noncurrent loans | 3,476.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,689 |
| Noncurrent loans to loans | 0.0366% | 3,508 |
| Net loans and leases to total assets | 38.6400% | 4,068 |
| Net loans and leases to deposits | 41.0029% | 4,159 |
| Net loans and leases to core deposits | 45.3494% | 4,167 |
| Total domestic deposits to total assets | 94.2400% | 102 |
| Equity capital to assets | 5.4154% | 4,320 |
| Core capital (leverage) ratio | 9.3213% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8065% | 2,312 |
| Memoranda: | ||
| Average total assets | $162,044,500 | 3,279 |
| Average earning assets | $155,311,500 | 3,229 |
| Average equity | $9,558,000 | 3,814 |
| Average total loans | $66,598,500 | 3,645 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,252 |
| Cost of funding earning assets | 1.6206% | 1,637 |
| Net interest margin | 2.1061% | 4,368 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.7199% | 4,111 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4837% | 3,700 |
| Return on assets (ROA) | 0.4710% | 3,731 |
| Pretax return on assets | 0.5665% | 3,695 |
| Return on Equity (ROE) | 8.8200% | 2,803 |
| Retained earnings to average equity (ytd only) | 3.4546% | 3,141 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.9723% | 1,353 |
| Assets per employee ($millions) | 7.8622% | 1,512 |
| Cash dividends to net income (ytd only)* | 60.8108% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 1,947 |
| Loan loss allowance to noncurrent loans | 773.5849% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,093 |
| Noncurrent loans to loans | 0.1635% | 2,702 |
| Net loans and leases to total assets | 42.8400% | 3,942 |
| Net loans and leases to deposits | 47.9379% | 3,998 |
| Net loans and leases to core deposits | 51.3788% | 4,051 |
| Total domestic deposits to total assets | 89.3700% | 958 |
| Equity capital to assets | 6.4633% | 4,131 |
| Core capital (leverage) ratio | 9.5784% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6239% | 2,021 |
| Memoranda: | ||
| Average total assets | $157,105,000 | 3,302 |
| Average earning assets | $149,329,600 | 3,253 |
| Average equity | $8,394,600 | 3,891 |
| Average total loans | $62,427,200 | 3,671 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 4,292 |
| Cost of funding earning assets | 1.4758% | 1,674 |
| Net interest margin | 2.1409% | 4,384 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.7329% | 4,075 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.5388% | 3,684 |
| Return on assets (ROA) | 0.5223% | 3,702 |
| Pretax return on assets | 0.6346% | 3,670 |
| Return on Equity (ROE) | 10.2800% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.3302% | 2,833 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.2724% | 1,341 |
| Assets per employee ($millions) | 8.2031% | 1,255 |
| Cash dividends to net income (ytd only)* | 48.1541% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,008 |
| 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 | 37.4100% | 4,139 |
| Net loans and leases to deposits | 39.2993% | 4,222 |
| Net loans and leases to core deposits | 42.4043% | 4,206 |
| Total domestic deposits to total assets | 95.1900% | 112 |
| Equity capital to assets | 4.5020% | 4,336 |
| Core capital (leverage) ratio | 9.6441% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7490% | 1,988 |
| Memoranda: | ||
| Average total assets | $159,035,750 | 3,297 |
| Average earning assets | $150,960,250 | 3,257 |
| Average equity | $8,079,500 | 3,928 |
| Average total loans | $61,829,000 | 3,690 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,254 |
| Cost of funding earning assets | 1.3770% | 1,513 |
| Net interest margin | 2.2205% | 4,404 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.8022% | 3,995 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 0.5579% | 3,681 |
| Return on assets (ROA) | 0.5694% | 3,663 |
| Pretax return on assets | 0.6952% | 3,610 |
| Return on Equity (ROE) | 10.7800% | 2,484 |
| Retained earnings to average equity (ytd only) | 7.1715% | 2,231 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.7890% | 1,276 |
| Assets per employee ($millions) | 7.0421% | 1,894 |
| Cash dividends to net income (ytd only)* | 33.4821% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,012 |
| 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 | 41.2700% | 3,993 |
| Net loans and leases to deposits | 44.1344% | 4,088 |
| Net loans and leases to core deposits | 47.6157% | 4,080 |
| Total domestic deposits to total assets | 93.5100% | 185 |
| Equity capital to assets | 5.7768% | 4,209 |
| Core capital (leverage) ratio | 9.5337% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0897% | 1,857 |
| Memoranda: | ||
| Average total assets | $157,360,333 | 3,322 |
| Average earning assets | $149,605,333 | 3,275 |
| Average equity | $8,310,667 | 3,926 |
| Average total loans | $61,717,667 | 3,693 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4004% | 4,373 |
| Cost of funding earning assets | 1.2476% | 1,347 |
| Net interest margin | 2.1528% | 4,511 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.7175% | 4,173 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.6292% | 3,635 |
| Return on assets (ROA) | 0.6292% | 3,593 |
| Pretax return on assets | 0.7748% | 3,524 |
| Return on Equity (ROE) | 12.4500% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.0067% | 1,696 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.4385% | 1,289 |
| Assets per employee ($millions) | 8.2989% | 1,205 |
| Cash dividends to net income (ytd only)* | 19.6078% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,006 |
| 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 | 34.8100% | 4,231 |
| Net loans and leases to deposits | 36.8662% | 4,298 |
| Net loans and leases to core deposits | 39.5775% | 4,280 |
| Total domestic deposits to total assets | 94.4200% | 136 |
| Equity capital to assets | 5.3224% | 4,368 |
| Core capital (leverage) ratio | 9.2887% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5684% | 2,155 |
| Memoranda: | ||
| Average total assets | $162,098,500 | 3,320 |
| Average earning assets | $154,216,000 | 3,277 |
| Average equity | $8,194,500 | 3,980 |
| Average total loans | $61,666,500 | 3,735 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0515% | 4,072 |
| Cost of funding earning assets | 0.5603% | 1,064 |
| Net interest margin | 2.4912% | 4,297 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.6146% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8014% | 3,318 |
| Return on assets (ROA) | 0.8183% | 3,197 |
| Pretax return on assets | 1.0937% | 2,791 |
| Return on Equity (ROE) | 13.5900% | 1,629 |
| Retained earnings to average equity (ytd only) | 3.4250% | 3,587 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.1596% | 3,037 |
| Assets per employee ($millions) | 7.9110% | 1,370 |
| Cash dividends to net income (ytd only)* | 74.7943% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,583 |
| 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 | 40.3900% | 4,054 |
| Net loans and leases to deposits | 43.9003% | 4,119 |
| Net loans and leases to core deposits | 45.1948% | 4,144 |
| Total domestic deposits to total assets | 92.0000% | 641 |
| Equity capital to assets | 4.7750% | 4,420 |
| Core capital (leverage) ratio | 8.7299% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9086% | 2,410 |
| Memoranda: | ||
| Average total assets | $163,383,800 | 3,323 |
| Average earning assets | $155,628,600 | 3,273 |
| Average equity | $9,839,400 | 3,889 |
| Average total loans | $61,090,400 | 3,704 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8806% | 4,086 |
| Cost of funding earning assets | 0.3898% | 1,363 |
| Net interest margin | 2.4908% | 4,215 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.6282% | 4,273 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.8107% | 3,214 |
| Return on assets (ROA) | 0.8331% | 3,089 |
| Pretax return on assets | 1.1359% | 2,609 |
| Return on Equity (ROE) | 13.1800% | 1,649 |
| Retained earnings to average equity (ytd only) | 3.5732% | 3,593 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3179% | 3,078 |
| Assets per employee ($millions) | 8.4526% | 1,092 |
| Cash dividends to net income (ytd only)* | 72.8863% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,667 |
| 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 | 36.0000% | 4,227 |
| Net loans and leases to deposits | 37.5026% | 4,325 |
| Net loans and leases to core deposits | 38.5539% | 4,329 |
| Total domestic deposits to total assets | 96.0000% | 134 |
| Equity capital to assets | 3.7994% | 4,499 |
| Core capital (leverage) ratio | 8.9759% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6686% | 2,588 |
| Memoranda: | ||
| Average total assets | $164,675,000 | 3,332 |
| Average earning assets | $157,003,000 | 3,292 |
| Average equity | $10,410,500 | 3,871 |
| Average total loans | $60,165,000 | 3,739 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7867% | 4,003 |
| Cost of funding earning assets | 0.3139% | 1,585 |
| Net interest margin | 2.4728% | 4,129 |
| Noninterest income to average assets | 0.3468% | 3,072 |
| Noninterest expense to average assets | 1.6530% | 4,207 |
| Loan and lease loss provision to assets | -0.0551% | 4,530 |
| Net operating income to assets | 0.7859% | 3,010 |
| Return on assets (ROA) | 0.8198% | 2,862 |
| Pretax return on assets | 1.1567% | 2,221 |
| Return on Equity (ROE) | 11.3973% | 1,866 |
| Retained earnings to average equity (ytd only) | 2.8791% | 3,479 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9580% | 3,180 |
| Assets per employee ($millions) | 7.7606% | 1,444 |
| Cash dividends to net income (ytd only)* | 74.7384% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,529 |
| 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 | 37.1237% | 4,202 |
| Net loans and leases to deposits | 39.4744% | 4,286 |
| Net loans and leases to core deposits | 40.9375% | 4,297 |
| Total domestic deposits to total assets | 94.0449% | 274 |
| Equity capital to assets | 5.7406% | 4,289 |
| Core capital (leverage) ratio | 8.7930% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3597% | 2,354 |
| Memoranda: | ||
| Average total assets | $163,216,333 | 3,381 |
| Average earning assets | $156,101,000 | 3,344 |
| Average equity | $11,739,667 | 3,810 |
| Average total loans | $59,649,333 | 3,788 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6089% | 4,103 |
| Cost of funding earning assets | 0.2824% | 1,797 |
| Net interest margin | 2.3265% | 4,194 |
| Noninterest income to average assets | 0.3397% | 3,060 |
| Noninterest expense to average assets | 1.5836% | 4,322 |
| Loan and lease loss provision to assets | -0.0598% | 4,532 |
| Net operating income to assets | 0.8324% | 2,546 |
| Return on assets (ROA) | 0.8994% | 2,271 |
| Pretax return on assets | 1.1267% | 2,060 |
| Return on Equity (ROE) | 11.4333% | 1,482 |
| Retained earnings to average equity (ytd only) | 3.8314% | 2,999 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6962% | 3,302 |
| Assets per employee ($millions) | 8.3490% | 1,187 |
| Cash dividends to net income (ytd only)* | 66.4894% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,713 |
| 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 | 33.7999% | 4,315 |
| Net loans and leases to deposits | 36.1988% | 4,377 |
| Net loans and leases to core deposits | 37.7442% | 4,383 |
| Total domestic deposits to total assets | 93.3730% | 191 |
| Equity capital to assets | 6.3937% | 4,470 |
| Core capital (leverage) ratio | 9.0417% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4596% | 2,423 |
| Memoranda: | ||
| Average total assets | $167,219,000 | 3,368 |
| Average earning assets | $160,066,500 | 3,327 |
| Average equity | $13,154,500 | 3,744 |
| Average total loans | $60,238,000 | 3,792 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9870% | 3,897 |
| Cost of funding earning assets | 0.3611% | 1,847 |
| Net interest margin | 2.6259% | 4,010 |
| Noninterest income to average assets | 0.5260% | 2,461 |
| Noninterest expense to average assets | 1.6032% | 4,419 |
| Loan and lease loss provision to assets | -0.0980% | 4,524 |
| Net operating income to assets | 1.1876% | 1,963 |
| Return on assets (ROA) | 1.1993% | 1,976 |
| Pretax return on assets | 1.5243% | 1,637 |
| Return on Equity (ROE) | 12.5594% | 1,622 |
| Retained earnings to average equity (ytd only) | 4.4232% | 3,043 |
| Net charge-offs to loans | -0.0783% | 4,505 |
| Credit loss provision to net charge-offs | 331.2500% | 1,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1806% | 4,014 |
| Assets per employee ($millions) | 7.5766% | 1,569 |
| Cash dividends to net income (ytd only)* | 64.7815% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,608 |
| 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 | 37.3618% | 4,230 |
| Net loans and leases to deposits | 41.3586% | 4,293 |
| Net loans and leases to core deposits | 43.4585% | 4,286 |
| Total domestic deposits to total assets | 90.3362% | 788 |
| Equity capital to assets | 9.4897% | 3,157 |
| Core capital (leverage) ratio | 8.9817% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1695% | 2,175 |
| Memoranda: | ||
| Average total assets | $162,172,800 | 3,377 |
| Average earning assets | $153,700,400 | 3,338 |
| Average equity | $15,486,400 | 3,586 |
| Average total loans | $61,296,200 | 3,793 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 3,885 |
| Cost of funding earning assets | 0.3768% | 1,878 |
| Net interest margin | 2.6847% | 4,007 |
| Noninterest income to average assets | 0.5564% | 2,389 |
| Noninterest expense to average assets | 1.5670% | 4,516 |
| Loan and lease loss provision to assets | -0.1344% | 4,670 |
| Net operating income to assets | 1.3009% | 1,828 |
| Return on assets (ROA) | 1.3158% | 1,829 |
| Pretax return on assets | 1.6783% | 1,460 |
| Return on Equity (ROE) | 13.7580% | 1,465 |
| Retained earnings to average equity (ytd only) | 5.9721% | 2,833 |
| Net charge-offs to loans | -0.1040% | 4,628 |
| Credit loss provision to net charge-offs | 341.6667% | 937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6748% | 4,152 |
| Assets per employee ($millions) | 8.2514% | 1,154 |
| Cash dividends to net income (ytd only)* | 56.5920% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,454 |
| Loan loss allowance to noncurrent loans | 3,185.7143% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,106 |
| Noncurrent loans to loans | 0.0488% | 3,869 |
| Net loans and leases to total assets | 32.6300% | 4,517 |
| Net loans and leases to deposits | 36.0363% | 4,575 |
| Net loans and leases to core deposits | 37.8191% | 4,575 |
| Total domestic deposits to total assets | 90.5476% | 536 |
| Equity capital to assets | 9.1021% | 3,740 |
| Core capital (leverage) ratio | 9.3572% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9618% | 1,624 |
| Memoranda: | ||
| Average total assets | $162,938,750 | 3,401 |
| Average earning assets | $153,904,000 | 3,367 |
| Average equity | $15,583,250 | 3,620 |
| Average total loans | $61,534,500 | 3,844 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0029% | 4,040 |
| Cost of funding earning assets | 0.3963% | 1,915 |
| Net interest margin | 2.6066% | 4,156 |
| Noninterest income to average assets | 0.4928% | 2,650 |
| Noninterest expense to average assets | 1.5838% | 4,530 |
| Loan and lease loss provision to assets | -0.0991% | 4,624 |
| Net operating income to assets | 1.1762% | 2,272 |
| Return on assets (ROA) | 1.1762% | 2,336 |
| Pretax return on assets | 1.4910% | 2,044 |
| Return on Equity (ROE) | 12.0874% | 2,021 |
| Retained earnings to average equity (ytd only) | 4.8710% | 3,235 |
| Net charge-offs to loans | -0.0159% | 3,887 |
| Credit loss provision to net charge-offs | 1,580.0000% | 342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2238% | 3,898 |
| Assets per employee ($millions) | 7.4920% | 1,480 |
| Cash dividends to net income (ytd only)* | 59.7015% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 1,633 |
| Loan loss allowance to noncurrent loans | 23,350.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,313 |
| Noncurrent loans to loans | 0.0064% | 4,215 |
| Net loans and leases to total assets | 39.3330% | 4,314 |
| Net loans and leases to deposits | 43.8529% | 4,385 |
| Net loans and leases to core deposits | 46.9194% | 4,370 |
| Total domestic deposits to total assets | 89.6931% | 928 |
| Equity capital to assets | 9.9256% | 2,915 |
| Core capital (leverage) ratio | 9.0039% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,492,000 | 3,440 |
| Average earning assets | $151,921,333 | 3,393 |
| Average equity | $15,520,333 | 3,629 |
| Average total loans | $62,901,667 | 3,848 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9524% | 4,180 |
| Cost of funding earning assets | 0.3975% | 2,117 |
| Net interest margin | 2.5549% | 4,226 |
| Noninterest income to average assets | 0.4683% | 2,764 |
| Noninterest expense to average assets | 1.5719% | 4,575 |
| Loan and lease loss provision to assets | -0.0996% | 4,718 |
| Net operating income to assets | 1.1334% | 2,376 |
| Return on assets (ROA) | 1.1334% | 2,452 |
| Pretax return on assets | 1.4299% | 2,194 |
| Return on Equity (ROE) | 11.7628% | 2,106 |
| Retained earnings to average equity (ytd only) | 5.0412% | 3,209 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1631% | 3,767 |
| Assets per employee ($millions) | 8.1497% | 1,128 |
| Cash dividends to net income (ytd only)* | 57.1429% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,559 |
| Loan loss allowance to noncurrent loans | 420.8696% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 3,503 |
| Noncurrent loans to loans | 0.3594% | 2,794 |
| Net loans and leases to total assets | 36.8257% | 4,466 |
| Net loans and leases to deposits | 40.5162% | 4,546 |
| Net loans and leases to core deposits | 43.3126% | 4,519 |
| Total domestic deposits to total assets | 90.8913% | 440 |
| Equity capital to assets | 8.7914% | 3,882 |
| Core capital (leverage) ratio | 9.4118% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,572,500 | 3,428 |
| Average earning assets | $152,961,000 | 3,387 |
| Average equity | $15,472,500 | 3,641 |
| Average total loans | $62,944,000 | 3,866 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4593% | 4,099 |
| Cost of funding earning assets | 0.6344% | 2,093 |
| Net interest margin | 2.8249% | 4,226 |
| Noninterest income to average assets | 0.5433% | 2,452 |
| Noninterest expense to average assets | 1.7523% | 4,543 |
| Loan and lease loss provision to assets | 0.1203% | 2,862 |
| Net operating income to assets | 1.0980% | 1,934 |
| Return on assets (ROA) | 1.0980% | 2,053 |
| Pretax return on assets | 1.3727% | 1,747 |
| Return on Equity (ROE) | 11.2193% | 1,551 |
| Retained earnings to average equity (ytd only) | 4.7322% | 2,402 |
| Net charge-offs to loans | 0.0711% | 1,778 |
| Credit loss provision to net charge-offs | 382.9787% | 1,486 |
| Earnings coverage of net charge-offs (x) | 47.5319% | 1,247 |
| Efficiency ratio | 53.9951% | 4,210 |
| Assets per employee ($millions) | 7.5001% | 1,284 |
| Cash dividends to net income (ytd only)* | 57.8211% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,221 |
| Loan loss allowance to noncurrent loans | 436.3636% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 3,509 |
| Noncurrent loans to loans | 0.3732% | 2,866 |
| Net loans and leases to total assets | 40.5911% | 4,419 |
| Net loans and leases to deposits | 45.6626% | 4,478 |
| Net loans and leases to core deposits | 49.3824% | 4,444 |
| Total domestic deposits to total assets | 88.8934% | 1,031 |
| Equity capital to assets | 10.5993% | 2,593 |
| Core capital (leverage) ratio | 9.1814% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,633,400 | 3,410 |
| Average earning assets | $143,120,800 | 3,345 |
| Average equity | $14,644,400 | 3,680 |
| Average total loans | $66,094,600 | 3,807 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4836% | 4,231 |
| Cost of funding earning assets | 0.6876% | 2,102 |
| Net interest margin | 2.7960% | 4,347 |
| Noninterest income to average assets | 0.5617% | 2,342 |
| Noninterest expense to average assets | 1.7484% | 4,567 |
| Loan and lease loss provision to assets | 0.1605% | 2,394 |
| Net operating income to assets | 1.0663% | 2,086 |
| Return on assets (ROA) | 1.0663% | 2,220 |
| Pretax return on assets | 1.3285% | 1,940 |
| Return on Equity (ROE) | 11.1273% | 1,635 |
| Retained earnings to average equity (ytd only) | 4.6147% | 2,736 |
| Net charge-offs to loans | 0.0933% | 1,374 |
| Credit loss provision to net charge-offs | 382.9787% | 1,514 |
| Earnings coverage of net charge-offs (x) | 35.5319% | 1,448 |
| Efficiency ratio | 54.0072% | 4,146 |
| Assets per employee ($millions) | 7.8565% | 1,056 |
| Cash dividends to net income (ytd only)* | 58.5284% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 1,451 |
| Loan loss allowance to noncurrent loans | 448.0000% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 3,737 |
| Noncurrent loans to loans | 0.3298% | 3,101 |
| Net loans and leases to total assets | 40.7441% | 4,539 |
| Net loans and leases to deposits | 45.1961% | 4,628 |
| Net loans and leases to core deposits | 49.7620% | 4,584 |
| Total domestic deposits to total assets | 90.1495% | 375 |
| Equity capital to assets | 9.3741% | 3,794 |
| Core capital (leverage) ratio | 9.4621% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,541,500 | 3,398 |
| Average earning assets | $143,105,500 | 3,330 |
| Average equity | $14,330,750 | 3,719 |
| Average total loans | $67,144,500 | 3,805 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 4,246 |
| Cost of funding earning assets | 0.7726% | 1,977 |
| Net interest margin | 2.8383% | 4,403 |
| Noninterest income to average assets | 0.5097% | 2,527 |
| Noninterest expense to average assets | 1.8339% | 4,509 |
| Loan and lease loss provision to assets | 0.2493% | 1,686 |
| Net operating income to assets | 0.9460% | 2,515 |
| Return on assets (ROA) | 0.9460% | 2,644 |
| Pretax return on assets | 1.1538% | 2,532 |
| Return on Equity (ROE) | 9.7905% | 2,054 |
| Retained earnings to average equity (ytd only) | 3.3399% | 3,257 |
| Net charge-offs to loans | -0.0030% | 3,883 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6538% | 3,868 |
| Assets per employee ($millions) | 7.0194% | 1,425 |
| Cash dividends to net income (ytd only)* | 65.8858% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,379 |
| Loan loss allowance to noncurrent loans | 1,731.1475% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 4,330 |
| Noncurrent loans to loans | 0.0843% | 4,122 |
| Net loans and leases to total assets | 48.3556% | 4,242 |
| Net loans and leases to deposits | 54.2136% | 4,371 |
| Net loans and leases to core deposits | 60.3521% | 4,243 |
| Total domestic deposits to total assets | 89.1946% | 671 |
| Equity capital to assets | 10.2213% | 2,987 |
| Core capital (leverage) ratio | 9.2698% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,393,333 | 3,434 |
| Average earning assets | $138,743,667 | 3,364 |
| Average equity | $13,952,333 | 3,773 |
| Average total loans | $66,782,667 | 3,821 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 4,501 |
| Cost of funding earning assets | 0.8877% | 1,935 |
| Net interest margin | 2.7298% | 4,637 |
| Noninterest income to average assets | 0.3555% | 3,393 |
| Noninterest expense to average assets | 1.8616% | 4,585 |
| Loan and lease loss provision to assets | 0.3639% | 844 |
| Net operating income to assets | 0.6579% | 3,419 |
| Return on assets (ROA) | 0.6579% | 3,478 |
| Pretax return on assets | 0.7726% | 3,483 |
| Return on Equity (ROE) | 7.0175% | 2,941 |
| Retained earnings to average equity (ytd only) | -0.4479% | 4,064 |
| Net charge-offs to loans | -0.0062% | 3,922 |
| Credit loss provision to net charge-offs | -13,000.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0915% | 3,488 |
| Assets per employee ($millions) | 7.1945% | 1,005 |
| Cash dividends to net income (ytd only)* | 106.3830% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,175 |
| Loan loss allowance to noncurrent loans | 1,622.5806% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,407 |
| Noncurrent loans to loans | 0.0959% | 4,126 |
| Net loans and leases to total assets | 42.1295% | 4,588 |
| Net loans and leases to deposits | 50.1513% | 4,586 |
| Net loans and leases to core deposits | 56.2233% | 4,486 |
| Total domestic deposits to total assets | 84.0049% | 2,788 |
| Equity capital to assets | 8.6588% | 4,768 |
| Core capital (leverage) ratio | 9.6793% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,886,000 | 3,428 |
| Average earning assets | $138,327,500 | 3,332 |
| Average equity | $13,395,000 | 3,844 |
| Average total loans | $64,006,000 | 3,884 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 4,290 |
| Cost of funding earning assets | 1.0852% | 1,388 |
| Net interest margin | 2.9025% | 4,654 |
| Noninterest income to average assets | 0.5511% | 2,472 |
| Noninterest expense to average assets | 1.9795% | 4,562 |
| Loan and lease loss provision to assets | 0.0220% | 3,590 |
| Net operating income to assets | 1.1008% | 2,446 |
| Return on assets (ROA) | 1.1008% | 2,543 |
| Pretax return on assets | 1.3507% | 2,326 |
| Return on Equity (ROE) | 10.3107% | 2,155 |
| Retained earnings to average equity (ytd only) | -9.9400% | 5,063 |
| Net charge-offs to loans | 0.0140% | 3,198 |
| Credit loss provision to net charge-offs | 333.3333% | 831 |
| Earnings coverage of net charge-offs (x) | 208.1111% | 386 |
| Efficiency ratio | 59.0512% | 3,834 |
| Assets per employee ($millions) | 6.1222% | 1,540 |
| Cash dividends to net income (ytd only)* | 196.4048% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,586 |
| Loan loss allowance to noncurrent loans | 1,388.8889% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,403 |
| Noncurrent loans to loans | 0.0994% | 4,129 |
| Net loans and leases to total assets | 46.3887% | 4,504 |
| Net loans and leases to deposits | 57.3679% | 4,396 |
| Net loans and leases to core deposits | 65.5566% | 4,211 |
| Total domestic deposits to total assets | 80.8617% | 3,796 |
| Equity capital to assets | 10.1776% | 3,754 |
| Core capital (leverage) ratio | 9.4747% | 4,088 |
| Tier 1 risk-based capital ratio | 13.1359% | 3,718 |
| Total risk-based capital ratio | 14.0573% | 3,780 |
| Memoranda: | ||
| Average total assets | $136,449,800 | 3,486 |
| Average earning assets | $131,681,200 | 3,394 |
| Average equity | $14,567,400 | 3,680 |
| Average total loans | $64,087,800 | 3,910 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 4,408 |
| Cost of funding earning assets | 1.0750% | 1,449 |
| Net interest margin | 2.9021% | 4,755 |
| Noninterest income to average assets | 0.5776% | 2,321 |
| Noninterest expense to average assets | 2.0006% | 4,553 |
| Loan and lease loss provision to assets | 0.0292% | 3,318 |
| Net operating income to assets | 1.0996% | 2,568 |
| Return on assets (ROA) | 1.0996% | 2,665 |
| Pretax return on assets | 1.3480% | 2,506 |
| Return on Equity (ROE) | 10.1832% | 2,358 |
| Retained earnings to average equity (ytd only) | 0.7125% | 4,621 |
| Net charge-offs to loans | 0.0228% | 2,645 |
| Credit loss provision to net charge-offs | 272.7273% | 1,021 |
| Earnings coverage of net charge-offs (x) | 128.5133% | 612 |
| Efficiency ratio | 59.2272% | 3,778 |
| Assets per employee ($millions) | 6.8307% | 1,103 |
| Cash dividends to net income (ytd only)* | 93.0027% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,505 |
| Loan loss allowance to noncurrent loans | 1,364.0625% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 4,501 |
| Noncurrent loans to loans | 0.1039% | 4,175 |
| Net loans and leases to total assets | 40.3957% | 4,802 |
| Net loans and leases to deposits | 49.8850% | 4,776 |
| Net loans and leases to core deposits | 56.4787% | 4,671 |
| Total domestic deposits to total assets | 80.9777% | 3,764 |
| Equity capital to assets | 10.1906% | 3,833 |
| Core capital (leverage) ratio | 11.0986% | 2,559 |
| Tier 1 risk-based capital ratio | 15.2432% | 2,743 |
| Total risk-based capital ratio | 16.2000% | 2,804 |
| Memoranda: | ||
| Average total assets | $136,890,250 | 3,509 |
| Average earning assets | $132,085,000 | 3,426 |
| Average equity | $14,782,250 | 3,688 |
| Average total loans | $64,271,000 | 3,938 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 4,154 |
| Cost of funding earning assets | 1.1060% | 1,278 |
| Net interest margin | 2.9957% | 4,702 |
| Noninterest income to average assets | 0.5150% | 2,590 |
| Noninterest expense to average assets | 2.1083% | 4,403 |
| Loan and lease loss provision to assets | 0.0438% | 2,948 |
| Net operating income to assets | 1.0360% | 2,781 |
| Return on assets (ROA) | 1.0360% | 2,855 |
| Pretax return on assets | 1.2550% | 2,724 |
| Return on Equity (ROE) | 9.3940% | 2,684 |
| Retained earnings to average equity (ytd only) | -0.1917% | 4,714 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8794% | 3,451 |
| Assets per employee ($millions) | 5.4301% | 2,018 |
| Cash dividends to net income (ytd only)* | 102.0408% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,875 |
| Loan loss allowance to noncurrent loans | 1,161.8421% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,462 |
| Noncurrent loans to loans | 0.1148% | 4,158 |
| Net loans and leases to total assets | 50.1074% | 4,462 |
| Net loans and leases to deposits | 62.7140% | 4,295 |
| Net loans and leases to core deposits | 71.7925% | 4,017 |
| Total domestic deposits to total assets | 79.8983% | 4,059 |
| Equity capital to assets | 11.5514% | 2,570 |
| Core capital (leverage) ratio | 11.1235% | 2,487 |
| Tier 1 risk-based capital ratio | 15.0623% | 2,811 |
| Total risk-based capital ratio | 16.0240% | 2,859 |
| Memoranda: | ||
| Average total assets | $132,428,330 | 3,593 |
| Average earning assets | $127,849,000 | 3,509 |
| Average equity | $14,605,000 | 3,709 |
| Average total loans | $65,168,670 | 3,947 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 4,434 |
| Cost of funding earning assets | 1.0224% | 1,470 |
| Net interest margin | 2.9465% | 4,829 |
| Noninterest income to average assets | 0.5364% | 2,360 |
| Noninterest expense to average assets | 2.1576% | 4,355 |
| Loan and lease loss provision to assets | 0.0869% | 1,969 |
| Net operating income to assets | 0.9469% | 3,061 |
| Return on assets (ROA) | 0.9469% | 3,106 |
| Pretax return on assets | 1.1417% | 3,002 |
| Return on Equity (ROE) | 8.7897% | 2,903 |
| Retained earnings to average equity (ytd only) | -0.9457% | 4,643 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7168% | 3,284 |
| Assets per employee ($millions) | 6.1447% | 1,440 |
| Cash dividends to net income (ytd only)* | 110.7595% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,940 |
| Loan loss allowance to noncurrent loans | 1,161.8421% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,554 |
| Noncurrent loans to loans | 0.1148% | 4,225 |
| Net loans and leases to total assets | 46.2056% | 4,662 |
| Net loans and leases to deposits | 56.1594% | 4,593 |
| Net loans and leases to core deposits | 62.1086% | 4,469 |
| Total domestic deposits to total assets | 82.2759% | 3,652 |
| Equity capital to assets | 10.3682% | 3,453 |
| Core capital (leverage) ratio | 11.3906% | 2,221 |
| Tier 1 risk-based capital ratio | 15.5076% | 2,648 |
| Total risk-based capital ratio | 16.4990% | 2,684 |
| Memoranda: | ||
| Average total assets | $133,481,500 | 3,614 |
| Average earning assets | $129,104,500 | 3,531 |
| Average equity | $14,380,500 | 3,749 |
| Average total loans | $64,661,000 | 3,998 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 4,318 |
| Cost of funding earning assets | 0.7193% | 1,962 |
| Net interest margin | 3.1614% | 4,554 |
| Noninterest income to average assets | 0.4623% | 3,035 |
| Noninterest expense to average assets | 1.9933% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2360% | 2,028 |
| Return on assets (ROA) | 1.2360% | 2,018 |
| Pretax return on assets | 1.5116% | 1,743 |
| Return on Equity (ROE) | 11.8147% | 1,780 |
| Retained earnings to average equity (ytd only) | 1.8204% | 4,422 |
| Net charge-offs to loans | 0.0016% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2,024.0000% | 46 |
| Efficiency ratio | 56.8719% | 4,299 |
| Assets per employee ($millions) | 5.7107% | 1,763 |
| Cash dividends to net income (ytd only)* | 84.5921% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,815 |
| Loan loss allowance to noncurrent loans | 723.7288% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 4,355 |
| Noncurrent loans to loans | 0.1869% | 3,904 |
| Net loans and leases to total assets | 49.5750% | 4,552 |
| Net loans and leases to deposits | 62.4263% | 4,354 |
| Net loans and leases to core deposits | 69.0380% | 4,172 |
| Total domestic deposits to total assets | 79.4135% | 4,234 |
| Equity capital to assets | 11.2293% | 2,491 |
| Core capital (leverage) ratio | 11.1594% | 2,391 |
| Tier 1 risk-based capital ratio | 15.9897% | 2,408 |
| Total risk-based capital ratio | 16.9780% | 2,443 |
| Memoranda: | ||
| Average total assets | $133,899,200 | 3,595 |
| Average earning assets | $128,867,400 | 3,509 |
| Average equity | $14,008,000 | 3,746 |
| Average total loans | $62,122,800 | 4,043 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,485 |
| Cost of funding earning assets | 0.6402% | 2,203 |
| Net interest margin | 3.1378% | 4,636 |
| Noninterest income to average assets | 0.4501% | 3,173 |
| Noninterest expense to average assets | 1.9916% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2130% | 2,186 |
| Return on assets (ROA) | 1.2130% | 2,188 |
| Pretax return on assets | 1.4768% | 1,980 |
| Return on Equity (ROE) | 11.7950% | 1,875 |
| Retained earnings to average equity (ytd only) | 1.7831% | 4,644 |
| Net charge-offs to loans | 0.0021% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1,509.7368% | 48 |
| Efficiency ratio | 57.4215% | 4,194 |
| Assets per employee ($millions) | 6.4541% | 1,211 |
| Cash dividends to net income (ytd only)* | 84.8832% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,664 |
| Loan loss allowance to noncurrent loans | 1,274.6269% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,736 |
| Noncurrent loans to loans | 0.1105% | 4,393 |
| Net loans and leases to total assets | 42.1023% | 4,955 |
| Net loans and leases to deposits | 50.6335% | 4,933 |
| Net loans and leases to core deposits | 55.0774% | 4,873 |
| Total domestic deposits to total assets | 83.1509% | 3,250 |
| Equity capital to assets | 9.6958% | 3,917 |
| Core capital (leverage) ratio | 11.3233% | 2,315 |
| Tier 1 risk-based capital ratio | 16.4661% | 2,283 |
| Total risk-based capital ratio | 17.4886% | 2,306 |
| Memoranda: | ||
| Average total assets | $135,965,000 | 3,602 |
| Average earning assets | $130,787,750 | 3,520 |
| Average equity | $13,983,000 | 3,778 |
| Average total loans | $61,869,000 | 4,086 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 4,245 |
| Cost of funding earning assets | 0.6338% | 2,024 |
| Net interest margin | 3.2061% | 4,486 |
| Noninterest income to average assets | 0.4524% | 3,134 |
| Noninterest expense to average assets | 2.0484% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2258% | 2,079 |
| Return on assets (ROA) | 1.2258% | 2,078 |
| Pretax return on assets | 1.4856% | 1,864 |
| Return on Equity (ROE) | 11.6827% | 1,847 |
| Retained earnings to average equity (ytd only) | 1.7218% | 4,559 |
| Net charge-offs to loans | 0.0032% | 3,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 995.0000% | 80 |
| Efficiency ratio | 57.9637% | 4,238 |
| Assets per employee ($millions) | 6.0543% | 1,425 |
| Cash dividends to net income (ytd only)* | 85.2619% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,897 |
| Loan loss allowance to noncurrent loans | 1,255.8824% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,762 |
| Noncurrent loans to loans | 0.1083% | 4,427 |
| Net loans and leases to total assets | 48.7199% | 4,671 |
| Net loans and leases to deposits | 59.6368% | 4,550 |
| Net loans and leases to core deposits | 65.1572% | 4,418 |
| Total domestic deposits to total assets | 81.6943% | 3,815 |
| Equity capital to assets | 10.9296% | 2,702 |
| Core capital (leverage) ratio | 11.0682% | 2,465 |
| Tier 1 risk-based capital ratio | 16.1315% | 2,394 |
| Total risk-based capital ratio | 17.1411% | 2,420 |
| Memoranda: | ||
| Average total assets | $133,956,670 | 3,643 |
| Average earning assets | $128,756,330 | 3,569 |
| Average equity | $14,055,000 | 3,788 |
| Average total loans | $62,280,330 | 4,112 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,410 |
| Cost of funding earning assets | 0.5795% | 2,177 |
| Net interest margin | 3.1492% | 4,599 |
| Noninterest income to average assets | 0.4135% | 3,365 |
| Noninterest expense to average assets | 2.0850% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1240% | 2,316 |
| Return on assets (ROA) | 1.1240% | 2,331 |
| Pretax return on assets | 1.3511% | 2,180 |
| Return on Equity (ROE) | 10.9236% | 2,000 |
| Retained earnings to average equity (ytd only) | 1.0188% | 4,627 |
| Net charge-offs to loans | 0.0064% | 2,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 464.0000% | 138 |
| Efficiency ratio | 60.6780% | 3,984 |
| Assets per employee ($millions) | 6.3837% | 1,265 |
| Cash dividends to net income (ytd only)* | 90.6736% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 1,918 |
| Loan loss allowance to noncurrent loans | 1,255.8824% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,856 |
| Noncurrent loans to loans | 0.1099% | 4,480 |
| Net loans and leases to total assets | 43.4592% | 4,921 |
| Net loans and leases to deposits | 52.0324% | 4,878 |
| Net loans and leases to core deposits | 56.2488% | 4,832 |
| Total domestic deposits to total assets | 83.5234% | 3,494 |
| Equity capital to assets | 9.8902% | 3,710 |
| Core capital (leverage) ratio | 10.9218% | 2,518 |
| Tier 1 risk-based capital ratio | 15.2695% | 2,756 |
| Total risk-based capital ratio | 16.2139% | 2,813 |
| Memoranda: | ||
| Average total assets | $137,364,500 | 3,642 |
| Average earning assets | $131,841,500 | 3,567 |
| Average equity | $14,134,500 | 3,812 |
| Average total loans | $62,022,000 | 4,153 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 4,524 |
| Cost of funding earning assets | 0.5583% | 1,893 |
| Net interest margin | 3.0643% | 4,761 |
| Noninterest income to average assets | 0.4747% | 3,158 |
| Noninterest expense to average assets | 1.8475% | 5,198 |
| Loan and lease loss provision to assets | 0.0014% | 4,212 |
| Net operating income to assets | 1.0790% | 1,939 |
| Return on assets (ROA) | 1.0815% | 1,946 |
| Pretax return on assets | 1.5739% | 1,368 |
| Return on Equity (ROE) | 10.5316% | 1,665 |
| Retained earnings to average equity (ytd only) | 2.2281% | 3,988 |
| Net charge-offs to loans | 0.0131% | 3,626 |
| Credit loss provision to net charge-offs | 25.0000% | 3,575 |
| Earnings coverage of net charge-offs (x) | 276.5000% | 305 |
| Efficiency ratio | 54.0316% | 4,948 |
| Assets per employee ($millions) | 6.1040% | 1,451 |
| Cash dividends to net income (ytd only)* | 78.8436% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 1,856 |
| Loan loss allowance to noncurrent loans | 971.5909% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 4,796 |
| Noncurrent loans to loans | 0.1416% | 4,357 |
| Net loans and leases to total assets | 45.6485% | 4,907 |
| Net loans and leases to deposits | 57.2699% | 4,733 |
| Net loans and leases to core deposits | 62.6943% | 4,617 |
| Total domestic deposits to total assets | 79.7076% | 4,393 |
| Equity capital to assets | 10.7077% | 2,936 |
| Core capital (leverage) ratio | 10.3824% | 2,980 |
| Tier 1 risk-based capital ratio | 15.5215% | 2,617 |
| Total risk-based capital ratio | 16.4784% | 2,663 |
| Memoranda: | ||
| Average total assets | $140,733,000 | 3,604 |
| Average earning assets | $135,233,800 | 3,521 |
| Average equity | $14,451,800 | 3,786 |
| Average total loans | $61,020,800 | 4,181 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 4,684 |
| Cost of funding earning assets | 0.5345% | 1,992 |
| Net interest margin | 3.0179% | 4,884 |
| Noninterest income to average assets | 0.4477% | 3,347 |
| Noninterest expense to average assets | 1.8602% | 5,187 |
| Loan and lease loss provision to assets | 0.0019% | 4,066 |
| Net operating income to assets | 1.1125% | 2,034 |
| Return on assets (ROA) | 1.1118% | 2,097 |
| Pretax return on assets | 1.4884% | 1,809 |
| Return on Equity (ROE) | 10.9373% | 1,725 |
| Retained earnings to average equity (ytd only) | 2.6445% | 4,312 |
| Net charge-offs to loans | 0.0044% | 3,575 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 794.9850% | 131 |
| Efficiency ratio | 55.5059% | 4,791 |
| Assets per employee ($millions) | 7.0880% | 917 |
| Cash dividends to net income (ytd only)* | 75.8213% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,840 |
| Loan loss allowance to noncurrent loans | 1,103.8462% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,968 |
| Noncurrent loans to loans | 0.1278% | 4,548 |
| Net loans and leases to total assets | 40.4396% | 5,180 |
| Net loans and leases to deposits | 50.4340% | 5,113 |
| Net loans and leases to core deposits | 54.9717% | 5,043 |
| Total domestic deposits to total assets | 80.1833% | 4,281 |
| Equity capital to assets | 9.9477% | 3,963 |
| Core capital (leverage) ratio | 10.5171% | 2,969 |
| Tier 1 risk-based capital ratio | 15.7178% | 2,620 |
| Total risk-based capital ratio | 16.7054% | 2,672 |
| Memoranda: | ||
| Average total assets | $142,344,500 | 3,612 |
| Average earning assets | $136,959,250 | 3,522 |
| Average equity | $14,470,000 | 3,822 |
| Average total loans | $60,737,250 | 4,224 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 4,569 |
| Cost of funding earning assets | 0.5221% | 1,991 |
| Net interest margin | 3.0557% | 4,781 |
| Noninterest income to average assets | 0.4651% | 3,251 |
| Noninterest expense to average assets | 1.8862% | 5,207 |
| Loan and lease loss provision to assets | 0.0014% | 3,859 |
| Net operating income to assets | 1.1139% | 1,908 |
| Return on assets (ROA) | 1.1129% | 1,963 |
| Pretax return on assets | 1.5152% | 1,586 |
| Return on Equity (ROE) | 10.8653% | 1,693 |
| Retained earnings to average equity (ytd only) | 2.5074% | 4,187 |
| Net charge-offs to loans | 0.0033% | 3,375 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 1,064.0000% | 65 |
| Efficiency ratio | 55.4065% | 4,885 |
| Assets per employee ($millions) | 6.2434% | 1,292 |
| Cash dividends to net income (ytd only)* | 76.9231% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,941 |
| Loan loss allowance to noncurrent loans | 28,700.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,313 |
| Noncurrent loans to loans | 0.0049% | 5,176 |
| Net loans and leases to total assets | 44.0770% | 5,038 |
| Net loans and leases to deposits | 55.6156% | 4,867 |
| Net loans and leases to core deposits | 60.8915% | 4,776 |
| Total domestic deposits to total assets | 79.2530% | 4,573 |
| Equity capital to assets | 10.7291% | 3,106 |
| Core capital (leverage) ratio | 10.3346% | 3,097 |
| Tier 1 risk-based capital ratio | 15.4033% | 2,742 |
| Total risk-based capital ratio | 16.3849% | 2,804 |
| Memoranda: | ||
| Average total assets | $140,176,330 | 3,660 |
| Average earning assets | $134,829,670 | 3,576 |
| Average equity | $14,357,670 | 3,843 |
| Average total loans | $60,631,330 | 4,251 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 4,843 |
| Cost of funding earning assets | 0.4769% | 2,280 |
| Net interest margin | 2.9675% | 4,964 |
| Noninterest income to average assets | 0.4435% | 3,348 |
| Noninterest expense to average assets | 1.9211% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0531% | 2,060 |
| Return on assets (ROA) | 1.0509% | 2,114 |
| Pretax return on assets | 1.3674% | 1,995 |
| Return on Equity (ROE) | 10.5025% | 1,739 |
| Retained earnings to average equity (ytd only) | 2.0327% | 4,323 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3691% | 4,677 |
| Assets per employee ($millions) | 6.7880% | 1,040 |
| Cash dividends to net income (ytd only)* | 80.6452% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,200 |
| Loan loss allowance to noncurrent loans | 7,175.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,335 |
| Noncurrent loans to loans | 0.0191% | 5,149 |
| Net loans and leases to total assets | 41.4397% | 5,185 |
| Net loans and leases to deposits | 50.7387% | 5,082 |
| Net loans and leases to core deposits | 54.9884% | 5,026 |
| Total domestic deposits to total assets | 81.6727% | 4,253 |
| Equity capital to assets | 9.5925% | 4,189 |
| Core capital (leverage) ratio | 10.5129% | 2,892 |
| Tier 1 risk-based capital ratio | 15.6884% | 2,667 |
| Total risk-based capital ratio | 16.6958% | 2,711 |
| Memoranda: | ||
| Average total assets | $141,587,000 | 3,670 |
| Average earning assets | $135,873,000 | 3,588 |
| Average equity | $14,168,000 | 3,895 |
| Average total loans | $60,245,500 | 4,296 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5207% | 4,731 |
| Cost of funding earning assets | 0.3920% | 3,075 |
| Net interest margin | 3.1287% | 4,648 |
| Noninterest income to average assets | 0.5904% | 2,711 |
| Noninterest expense to average assets | 1.9204% | 5,335 |
| Loan and lease loss provision to assets | -0.0315% | 5,538 |
| Net operating income to assets | 1.2434% | 1,373 |
| Return on assets (ROA) | 1.2633% | 1,395 |
| Pretax return on assets | 1.7255% | 940 |
| Return on Equity (ROE) | 12.0869% | 1,218 |
| Retained earnings to average equity (ytd only) | 3.8599% | 3,174 |
| Net charge-offs to loans | 0.0067% | 4,027 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | 581.5000% | 142 |
| Efficiency ratio | 53.5358% | 5,279 |
| Assets per employee ($millions) | 6.0836% | 1,418 |
| Cash dividends to net income (ytd only)* | 68.0658% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,706 |
| Loan loss allowance to noncurrent loans | 14,350.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,318 |
| Noncurrent loans to loans | 0.0104% | 5,251 |
| Net loans and leases to total assets | 42.5026% | 5,212 |
| Net loans and leases to deposits | 52.8759% | 5,070 |
| Net loans and leases to core deposits | 57.7313% | 4,983 |
| Total domestic deposits to total assets | 80.3817% | 4,487 |
| Equity capital to assets | 10.4685% | 3,188 |
| Core capital (leverage) ratio | 10.2243% | 3,196 |
| Tier 1 risk-based capital ratio | 16.1790% | 2,477 |
| Total risk-based capital ratio | 17.2231% | 2,493 |
| Memoranda: | ||
| Average total assets | $139,556,600 | 3,681 |
| Average earning assets | $133,666,400 | 3,594 |
| Average equity | $14,586,000 | 3,861 |
| Average total loans | $59,474,400 | 4,318 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5056% | 4,787 |
| Cost of funding earning assets | 0.3819% | 3,209 |
| Net interest margin | 3.1237% | 4,711 |
| Noninterest income to average assets | 0.6317% | 2,511 |
| Noninterest expense to average assets | 1.9150% | 5,352 |
| Loan and lease loss provision to assets | -0.0350% | 5,698 |
| Net operating income to assets | 1.2769% | 1,359 |
| Return on assets (ROA) | 1.3032% | 1,377 |
| Pretax return on assets | 1.7808% | 930 |
| Return on Equity (ROE) | 12.4733% | 1,181 |
| Retained earnings to average equity (ytd only) | 4.3268% | 3,245 |
| Net charge-offs to loans | 0.0045% | 3,762 |
| Credit loss provision to net charge-offs | -1,850.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | 902.8502% | 96 |
| Efficiency ratio | 52.8307% | 5,324 |
| Assets per employee ($millions) | 6.4143% | 1,163 |
| Cash dividends to net income (ytd only)* | 65.3120% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 5,297 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.2739% | 5,420 |
| Net loans and leases to deposits | 50.1523% | 5,295 |
| Net loans and leases to core deposits | 54.5395% | 5,205 |
| Total domestic deposits to total assets | 78.3092% | 4,852 |
| Equity capital to assets | 10.2116% | 3,900 |
| Core capital (leverage) ratio | 10.4592% | 3,036 |
| Tier 1 risk-based capital ratio | 15.9364% | 2,651 |
| Total risk-based capital ratio | 16.9904% | 2,665 |
| Memoranda: | ||
| Average total assets | $140,986,000 | 3,674 |
| Average earning assets | $135,094,750 | 3,585 |
| Average equity | $14,729,750 | 3,874 |
| Average total loans | $59,906,500 | 4,329 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 4,598 |
| Cost of funding earning assets | 0.3885% | 3,164 |
| Net interest margin | 3.2087% | 4,515 |
| Noninterest income to average assets | 0.6714% | 2,266 |
| Noninterest expense to average assets | 1.9783% | 5,317 |
| Loan and lease loss provision to assets | -0.0548% | 5,828 |
| Net operating income to assets | 1.3254% | 1,212 |
| Return on assets (ROA) | 1.3559% | 1,221 |
| Pretax return on assets | 1.8602% | 763 |
| Return on Equity (ROE) | 12.8745% | 1,062 |
| Retained earnings to average equity (ytd only) | 4.6655% | 2,939 |
| Net charge-offs to loans | 0.0033% | 3,589 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,295 |
| Earnings coverage of net charge-offs (x) | 1,224.0000% | 38 |
| Efficiency ratio | 52.8687% | 5,394 |
| Assets per employee ($millions) | 5.8223% | 1,528 |
| Cash dividends to net income (ytd only)* | 63.7620% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,867 |
| Loan loss allowance to noncurrent loans | 14,500.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,346 |
| Noncurrent loans to loans | 0.0103% | 5,456 |
| Net loans and leases to total assets | 42.6847% | 5,306 |
| Net loans and leases to deposits | 55.2303% | 5,068 |
| Net loans and leases to core deposits | 60.6543% | 4,951 |
| Total domestic deposits to total assets | 77.2851% | 5,115 |
| Equity capital to assets | 11.2903% | 2,747 |
| Core capital (leverage) ratio | 10.1014% | 3,449 |
| Tier 1 risk-based capital ratio | 15.6482% | 2,802 |
| Total risk-based capital ratio | 16.6933% | 2,817 |
| Memoranda: | ||
| Average total assets | $138,805,330 | 3,737 |
| Average earning assets | $132,825,000 | 3,646 |
| Average equity | $14,618,000 | 3,909 |
| Average total loans | $60,272,000 | 4,338 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 4,639 |
| Cost of funding earning assets | 0.3809% | 3,287 |
| Net interest margin | 3.2095% | 4,553 |
| Noninterest income to average assets | 0.6598% | 2,220 |
| Noninterest expense to average assets | 1.9936% | 5,357 |
| Loan and lease loss provision to assets | 0.0028% | 3,633 |
| Net operating income to assets | 1.2743% | 1,323 |
| Return on assets (ROA) | 1.2743% | 1,419 |
| Pretax return on assets | 1.7416% | 964 |
| Return on Equity (ROE) | 12.5283% | 1,149 |
| Retained earnings to average equity (ytd only) | 4.1761% | 3,400 |
| Net charge-offs to loans | 0.0065% | 2,892 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 616.0000% | 85 |
| Efficiency ratio | 53.3333% | 5,436 |
| Assets per employee ($millions) | 6.3797% | 1,177 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,942 |
| Loan loss allowance to noncurrent loans | 15,150.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 5,432 |
| Noncurrent loans to loans | 0.0100% | 5,480 |
| Net loans and leases to total assets | 40.4296% | 5,433 |
| Net loans and leases to deposits | 50.8499% | 5,295 |
| Net loans and leases to core deposits | 55.0826% | 5,182 |
| Total domestic deposits to total assets | 79.5078% | 4,854 |
| Equity capital to assets | 9.9520% | 4,140 |
| Core capital (leverage) ratio | 10.3086% | 3,186 |
| Tier 1 risk-based capital ratio | 14.2859% | 3,504 |
| Total risk-based capital ratio | 15.2814% | 3,601 |
| Memoranda: | ||
| Average total assets | $141,252,000 | 3,718 |
| Average earning assets | $135,473,500 | 3,625 |
| Average equity | $14,367,500 | 3,956 |
| Average total loans | $61,393,000 | 4,333 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 4,792 |
| Cost of funding earning assets | 0.3991% | 3,175 |
| Net interest margin | 3.1553% | 4,764 |
| Noninterest income to average assets | 0.6733% | 2,331 |
| Noninterest expense to average assets | 1.9931% | 5,465 |
| Loan and lease loss provision to assets | 0.0618% | 3,065 |
| Net operating income to assets | 1.1998% | 1,551 |
| Return on assets (ROA) | 1.2245% | 1,529 |
| Pretax return on assets | 1.6470% | 1,121 |
| Return on Equity (ROE) | 12.0921% | 1,278 |
| Retained earnings to average equity (ytd only) | 3.4754% | 3,585 |
| Net charge-offs to loans | -0.0068% | 5,029 |
| Credit loss provision to net charge-offs | -2,125.0000% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3310% | 5,501 |
| Assets per employee ($millions) | 5.9030% | 1,455 |
| Cash dividends to net income (ytd only)* | 71.2589% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 2,198 |
| Loan loss allowance to noncurrent loans | 15,150.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 5,213 |
| Noncurrent loans to loans | 0.0096% | 5,497 |
| Net loans and leases to total assets | 45.4033% | 5,198 |
| Net loans and leases to deposits | 57.8350% | 4,925 |
| Net loans and leases to core deposits | 63.1456% | 4,789 |
| Total domestic deposits to total assets | 78.5048% | 5,062 |
| Equity capital to assets | 10.4088% | 3,471 |
| Core capital (leverage) ratio | 9.7669% | 3,816 |
| Tier 1 risk-based capital ratio | 14.5179% | 3,439 |
| Total risk-based capital ratio | 15.5407% | 3,472 |
| Memoranda: | ||
| Average total assets | $137,523,200 | 3,759 |
| Average earning assets | $130,543,000 | 3,691 |
| Average equity | $13,926,400 | 3,989 |
| Average total loans | $59,212,000 | 4,396 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 4,932 |
| Cost of funding earning assets | 0.3955% | 3,269 |
| Net interest margin | 3.1264% | 4,892 |
| Noninterest income to average assets | 0.7045% | 2,212 |
| Noninterest expense to average assets | 2.0189% | 5,446 |
| Loan and lease loss provision to assets | 0.0821% | 2,529 |
| Net operating income to assets | 1.1616% | 1,789 |
| Return on assets (ROA) | 1.1945% | 1,732 |
| Pretax return on assets | 1.6043% | 1,370 |
| Return on Equity (ROE) | 11.8772% | 1,405 |
| Retained earnings to average equity (ytd only) | 3.2288% | 4,163 |
| Net charge-offs to loans | -0.0274% | 5,316 |
| Credit loss provision to net charge-offs | -708.3333% | 5,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1478% | 5,435 |
| Assets per employee ($millions) | 5.4661% | 1,812 |
| Cash dividends to net income (ytd only)* | 72.8155% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,972 |
| Loan loss allowance to noncurrent loans | 7,641.6667% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 5,028 |
| Noncurrent loans to loans | 0.0203% | 5,552 |
| Net loans and leases to total assets | 39.5004% | 5,621 |
| Net loans and leases to deposits | 49.8218% | 5,480 |
| Net loans and leases to core deposits | 53.6291% | 5,428 |
| Total domestic deposits to total assets | 79.2833% | 4,913 |
| Equity capital to assets | 9.5280% | 4,719 |
| Core capital (leverage) ratio | 10.0871% | 3,518 |
| Tier 1 risk-based capital ratio | 15.0616% | 3,264 |
| Total risk-based capital ratio | 16.1435% | 3,296 |
| Memoranda: | ||
| Average total assets | $137,961,500 | 3,787 |
| Average earning assets | $130,457,500 | 3,718 |
| Average equity | $13,875,000 | 4,042 |
| Average total loans | $58,376,750 | 4,462 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,665 |
| Cost of funding earning assets | 0.4068% | 3,201 |
| Net interest margin | 3.2136% | 4,620 |
| Noninterest income to average assets | 0.7139% | 2,161 |
| Noninterest expense to average assets | 2.0764% | 5,385 |
| Loan and lease loss provision to assets | 0.1262% | 1,756 |
| Net operating income to assets | 1.1669% | 1,713 |
| Return on assets (ROA) | 1.2081% | 1,653 |
| Pretax return on assets | 1.6029% | 1,321 |
| Return on Equity (ROE) | 11.7863% | 1,436 |
| Retained earnings to average equity (ytd only) | 3.0986% | 4,074 |
| Net charge-offs to loans | -0.0344% | 5,381 |
| Credit loss provision to net charge-offs | -850.0000% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3621% | 5,486 |
| Assets per employee ($millions) | 5.2966% | 1,927 |
| Cash dividends to net income (ytd only)* | 73.7101% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 2,041 |
| Loan loss allowance to noncurrent loans | 1,429.6875% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 4,907 |
| Noncurrent loans to loans | 0.1094% | 5,314 |
| Net loans and leases to total assets | 43.5031% | 5,404 |
| Net loans and leases to deposits | 54.8828% | 5,198 |
| Net loans and leases to core deposits | 59.4381% | 5,108 |
| Total domestic deposits to total assets | 79.2653% | 5,034 |
| Equity capital to assets | 10.3371% | 3,641 |
| Core capital (leverage) ratio | 9.8855% | 3,761 |
| Tier 1 risk-based capital ratio | 15.2947% | 3,203 |
| Total risk-based capital ratio | 16.3977% | 3,211 |
| Memoranda: | ||
| Average total assets | $134,753,330 | 3,882 |
| Average earning assets | $127,333,330 | 3,816 |
| Average equity | $13,812,670 | 4,079 |
| Average total loans | $58,097,670 | 4,507 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,826 |
| Cost of funding earning assets | 0.3917% | 3,391 |
| Net interest margin | 3.1588% | 4,756 |
| Noninterest income to average assets | 0.6445% | 2,429 |
| Noninterest expense to average assets | 2.0276% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2103% | 1,517 |
| Return on assets (ROA) | 1.2213% | 1,579 |
| Pretax return on assets | 1.6215% | 1,216 |
| Return on Equity (ROE) | 11.9640% | 1,358 |
| Retained earnings to average equity (ytd only) | 3.3153% | 3,995 |
| Net charge-offs to loans | -0.0207% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7895% | 5,530 |
| Assets per employee ($millions) | 5.8427% | 1,517 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 2,843 |
| Loan loss allowance to noncurrent loans | 866.3158% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 4,409 |
| Noncurrent loans to loans | 0.1636% | 5,185 |
| Net loans and leases to total assets | 39.1831% | 5,649 |
| Net loans and leases to deposits | 48.6278% | 5,541 |
| Net loans and leases to core deposits | 52.3292% | 5,464 |
| Total domestic deposits to total assets | 80.5775% | 4,922 |
| Equity capital to assets | 9.6510% | 4,577 |
| Core capital (leverage) ratio | 10.2319% | 3,303 |
| Tier 1 risk-based capital ratio | 14.8612% | 3,503 |
| Total risk-based capital ratio | 15.8374% | 3,598 |
| Memoranda: | ||
| Average total assets | $135,922,000 | 3,881 |
| Average earning assets | $128,658,000 | 3,815 |
| Average equity | $13,875,000 | 4,087 |
| Average total loans | $57,886,500 | 4,546 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 4,990 |
| Cost of funding earning assets | 0.4102% | 3,585 |
| Net interest margin | 3.2221% | 4,851 |
| Noninterest income to average assets | 0.5267% | 3,313 |
| Noninterest expense to average assets | 2.0292% | 5,714 |
| Loan and lease loss provision to assets | 0.0475% | 3,622 |
| Net operating income to assets | 1.1325% | 1,850 |
| Return on assets (ROA) | 1.2162% | 1,593 |
| Pretax return on assets | 1.6156% | 1,191 |
| Return on Equity (ROE) | 12.1525% | 1,371 |
| Retained earnings to average equity (ytd only) | 3.1172% | 4,019 |
| Net charge-offs to loans | -0.0150% | 5,645 |
| Credit loss provision to net charge-offs | -787.5000% | 5,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6709% | 5,602 |
| Assets per employee ($millions) | 4.8375% | 2,546 |
| Cash dividends to net income (ytd only)* | 74.3494% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 2,849 |
| Loan loss allowance to noncurrent loans | 942.5287% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 4,271 |
| Noncurrent loans to loans | 0.1507% | 5,293 |
| Net loans and leases to total assets | 45.2360% | 5,388 |
| Net loans and leases to deposits | 57.9855% | 5,066 |
| Net loans and leases to core deposits | 63.3642% | 4,885 |
| Total domestic deposits to total assets | 78.0125% | 5,436 |
| Equity capital to assets | 10.8550% | 3,056 |
| Core capital (leverage) ratio | 9.8288% | 3,802 |
| Tier 1 risk-based capital ratio | 14.6948% | 3,658 |
| Total risk-based capital ratio | 15.6652% | 3,762 |
| Memoranda: | ||
| Average total assets | $132,710,200 | 3,927 |
| Average earning assets | $125,786,600 | 3,851 |
| Average equity | $13,281,200 | 4,139 |
| Average total loans | $53,205,000 | 4,716 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 5,187 |
| Cost of funding earning assets | 0.4007% | 3,778 |
| Net interest margin | 3.1827% | 5,020 |
| Noninterest income to average assets | 0.5940% | 2,911 |
| Noninterest expense to average assets | 1.9745% | 5,808 |
| Loan and lease loss provision to assets | 0.0030% | 4,347 |
| Net operating income to assets | 1.2149% | 1,630 |
| Return on assets (ROA) | 1.2684% | 1,523 |
| Pretax return on assets | 1.6968% | 1,074 |
| Return on Equity (ROE) | 12.9304% | 1,234 |
| Retained earnings to average equity (ytd only) | 3.8316% | 3,925 |
| Net charge-offs to loans | -0.0026% | 5,207 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8032% | 5,752 |
| Assets per employee ($millions) | 5.6231% | 1,618 |
| Cash dividends to net income (ytd only)* | 70.3675% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 3,104 |
| Loan loss allowance to noncurrent loans | 1,321.0526% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 4,368 |
| Noncurrent loans to loans | 0.1070% | 5,613 |
| Net loans and leases to total assets | 37.3596% | 5,971 |
| Net loans and leases to deposits | 48.5106% | 5,733 |
| Net loans and leases to core deposits | 52.5468% | 5,654 |
| Total domestic deposits to total assets | 77.0133% | 5,676 |
| Equity capital to assets | 9.7555% | 4,478 |
| Core capital (leverage) ratio | 10.2429% | 3,352 |
| Tier 1 risk-based capital ratio | 14.9968% | 3,593 |
| Total risk-based capital ratio | 15.9059% | 3,727 |
| Memoranda: | ||
| Average total assets | $134,443,750 | 3,928 |
| Average earning assets | $127,101,750 | 3,848 |
| Average equity | $13,188,250 | 4,184 |
| Average total loans | $52,077,250 | 4,792 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 5,083 |
| Cost of funding earning assets | 0.4068% | 3,804 |
| Net interest margin | 3.2191% | 4,877 |
| Noninterest income to average assets | 0.5514% | 3,109 |
| Noninterest expense to average assets | 2.0242% | 5,786 |
| Loan and lease loss provision to assets | 0.0015% | 4,181 |
| Net operating income to assets | 1.1938% | 1,612 |
| Return on assets (ROA) | 1.2190% | 1,592 |
| Pretax return on assets | 1.6073% | 1,235 |
| Return on Equity (ROE) | 12.4030% | 1,332 |
| Retained earnings to average equity (ytd only) | 3.1814% | 4,175 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2316% | 5,723 |
| Assets per employee ($millions) | 5.0748% | 2,119 |
| Cash dividends to net income (ytd only)* | 74.3494% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 3,297 |
| Loan loss allowance to noncurrent loans | 1,229.5082% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 4,299 |
| Noncurrent loans to loans | 0.1147% | 5,669 |
| Net loans and leases to total assets | 41.3332% | 5,722 |
| Net loans and leases to deposits | 54.1010% | 5,348 |
| Net loans and leases to core deposits | 59.0024% | 5,204 |
| Total domestic deposits to total assets | 76.4001% | 5,869 |
| Equity capital to assets | 10.6992% | 3,198 |
| Core capital (leverage) ratio | 9.8230% | 3,851 |
| Tier 1 risk-based capital ratio | 15.4334% | 3,391 |
| Total risk-based capital ratio | 16.3778% | 3,514 |
| Memoranda: | ||
| Average total assets | $132,399,330 | 3,985 |
| Average earning assets | $125,378,330 | 3,904 |
| Average equity | $13,013,000 | 4,218 |
| Average total loans | $51,679,000 | 4,837 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5220% | 5,369 |
| Cost of funding earning assets | 0.3945% | 4,038 |
| Net interest margin | 3.1275% | 5,154 |
| Noninterest income to average assets | 0.5356% | 3,144 |
| Noninterest expense to average assets | 2.0212% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1135% | 1,759 |
| Return on assets (ROA) | 1.1630% | 1,656 |
| Pretax return on assets | 1.5359% | 1,321 |
| Return on Equity (ROE) | 12.3464% | 1,329 |
| Retained earnings to average equity (ytd only) | 2.9217% | 4,343 |
| Net charge-offs to loans | 0.0079% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 497.0000% | 79 |
| Efficiency ratio | 57.8814% | 5,660 |
| Assets per employee ($millions) | 5.9074% | 1,372 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 3,280 |
| Loan loss allowance to noncurrent loans | 1,068.5714% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 4,587 |
| Noncurrent loans to loans | 0.1377% | 5,688 |
| Net loans and leases to total assets | 35.3313% | 6,104 |
| Net loans and leases to deposits | 45.3174% | 5,900 |
| Net loans and leases to core deposits | 48.7732% | 5,837 |
| Total domestic deposits to total assets | 77.9641% | 5,842 |
| Equity capital to assets | 9.1481% | 4,939 |
| Core capital (leverage) ratio | 9.9179% | 3,682 |
| Tier 1 risk-based capital ratio | 14.8128% | 3,805 |
| Total risk-based capital ratio | 15.7250% | 3,978 |
| Memoranda: | ||
| Average total assets | $135,164,500 | 3,974 |
| Average earning assets | $127,768,500 | 3,896 |
| Average equity | $12,732,500 | 4,286 |
| Average total loans | $50,924,000 | 4,901 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 5,770 |
| Cost of funding earning assets | 0.4146% | 4,485 |
| Net interest margin | 3.0190% | 5,534 |
| Noninterest income to average assets | 0.6489% | 2,817 |
| Noninterest expense to average assets | 2.0700% | 5,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1105% | 1,902 |
| Return on assets (ROA) | 1.1814% | 1,700 |
| Pretax return on assets | 1.5452% | 1,313 |
| Return on Equity (ROE) | 11.8718% | 1,465 |
| Retained earnings to average equity (ytd only) | 2.5788% | 4,416 |
| Net charge-offs to loans | 0.0064% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 628.0000% | 59 |
| Efficiency ratio | 58.7746% | 5,640 |
| Assets per employee ($millions) | 5.1420% | 2,023 |
| Cash dividends to net income (ytd only)* | 78.2779% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 3,339 |
| Loan loss allowance to noncurrent loans | 542.7536% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 4,396 |
| Noncurrent loans to loans | 0.2705% | 5,365 |
| Net loans and leases to total assets | 39.0965% | 6,027 |
| Net loans and leases to deposits | 52.0527% | 5,619 |
| Net loans and leases to core deposits | 55.8588% | 5,546 |
| Total domestic deposits to total assets | 75.1095% | 6,183 |
| Equity capital to assets | 9.7199% | 4,148 |
| Core capital (leverage) ratio | 9.8257% | 3,810 |
| Tier 1 risk-based capital ratio | 15.1521% | 3,578 |
| Total risk-based capital ratio | 16.0932% | 3,705 |
| Memoranda: | ||
| Average total assets | $129,760,000 | 4,078 |
| Average earning assets | $123,484,000 | 3,980 |
| Average equity | $12,913,000 | 4,284 |
| Average total loans | $46,627,000 | 5,088 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 5,948 |
| Cost of funding earning assets | 0.4127% | 4,701 |
| Net interest margin | 2.9556% | 5,689 |
| Noninterest income to average assets | 0.6971% | 2,628 |
| Noninterest expense to average assets | 2.0492% | 5,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1170% | 1,947 |
| Return on assets (ROA) | 1.1809% | 1,768 |
| Pretax return on assets | 1.5428% | 1,488 |
| Return on Equity (ROE) | 11.7992% | 1,542 |
| Retained earnings to average equity (ytd only) | 2.5811% | 4,782 |
| Net charge-offs to loans | 0.0146% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 284.6507% | 212 |
| Efficiency ratio | 58.3991% | 5,639 |
| Assets per employee ($millions) | 5.3883% | 1,747 |
| Cash dividends to net income (ytd only)* | 78.1251% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 2,791 |
| Loan loss allowance to noncurrent loans | 537.4101% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 4,637 |
| Noncurrent loans to loans | 0.3076% | 5,456 |
| Net loans and leases to total assets | 32.9894% | 6,410 |
| Net loans and leases to deposits | 42.0171% | 6,305 |
| Net loans and leases to core deposits | 44.7987% | 6,259 |
| Total domestic deposits to total assets | 78.5141% | 5,823 |
| Equity capital to assets | 9.3084% | 4,793 |
| Core capital (leverage) ratio | 9.9849% | 3,698 |
| Tier 1 risk-based capital ratio | 15.6488% | 3,373 |
| Total risk-based capital ratio | 16.6246% | 3,484 |
| Memoranda: | ||
| Average total assets | $130,062,250 | 4,113 |
| Average earning assets | $123,737,500 | 4,008 |
| Average equity | $13,017,500 | 4,307 |
| Average total loans | $45,531,750 | 5,186 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 5,926 |
| Cost of funding earning assets | 0.4188% | 4,765 |
| Net interest margin | 2.9739% | 5,633 |
| Noninterest income to average assets | 0.7050% | 2,609 |
| Noninterest expense to average assets | 2.1056% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0948% | 1,942 |
| Return on assets (ROA) | 1.2014% | 1,698 |
| Pretax return on assets | 1.5671% | 1,447 |
| Return on Equity (ROE) | 11.7174% | 1,576 |
| Retained earnings to average equity (ytd only) | 2.6106% | 4,649 |
| Net charge-offs to loans | -0.0482% | 6,255 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5773% | 5,531 |
| Assets per employee ($millions) | 4.7544% | 2,444 |
| Cash dividends to net income (ytd only)* | 77.7202% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 2,690 |
| Loan loss allowance to noncurrent loans | 675.2212% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 4,724 |
| Noncurrent loans to loans | 0.2555% | 5,668 |
| Net loans and leases to total assets | 35.1603% | 6,354 |
| Net loans and leases to deposits | 44.9685% | 6,171 |
| Net loans and leases to core deposits | 48.5279% | 6,107 |
| Total domestic deposits to total assets | 78.1886% | 5,948 |
| Equity capital to assets | 9.7877% | 4,194 |
| Core capital (leverage) ratio | 9.7396% | 3,883 |
| Tier 1 risk-based capital ratio | 16.0324% | 3,169 |
| Total risk-based capital ratio | 17.0591% | 3,259 |
| Memoranda: | ||
| Average total assets | $128,514,000 | 4,175 |
| Average earning assets | $122,265,000 | 4,078 |
| Average equity | $13,177,000 | 4,303 |
| Average total loans | $45,647,000 | 5,204 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3122% | 6,133 |
| Cost of funding earning assets | 0.4016% | 5,085 |
| Net interest margin | 2.9106% | 5,794 |
| Noninterest income to average assets | 0.7178% | 2,494 |
| Noninterest expense to average assets | 2.0128% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1217% | 1,770 |
| Return on assets (ROA) | 1.2400% | 1,520 |
| Pretax return on assets | 1.6279% | 1,246 |
| Return on Equity (ROE) | 11.8402% | 1,464 |
| Retained earnings to average equity (ytd only) | 3.0913% | 4,426 |
| Net charge-offs to loans | -0.0777% | 6,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7564% | 5,879 |
| Assets per employee ($millions) | 5.5240% | 1,650 |
| Cash dividends to net income (ytd only)* | 73.8916% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 3,134 |
| Loan loss allowance to noncurrent loans | 299.6063% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 4,868 |
| Noncurrent loans to loans | 0.5573% | 5,048 |
| Net loans and leases to total assets | 32.4535% | 6,492 |
| Net loans and leases to deposits | 41.0215% | 6,377 |
| Net loans and leases to core deposits | 43.4401% | 6,340 |
| Total domestic deposits to total assets | 79.1135% | 5,940 |
| Equity capital to assets | 9.9182% | 4,252 |
| Core capital (leverage) ratio | 10.1695% | 3,184 |
| Tier 1 risk-based capital ratio | 15.5023% | 3,524 |
| Total risk-based capital ratio | 16.4978% | 3,634 |
| Memoranda: | ||
| Average total assets | $130,964,000 | 4,164 |
| Average earning assets | $124,508,500 | 4,052 |
| Average equity | $13,716,000 | 4,243 |
| Average total loans | $46,357,500 | 5,209 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 5,872 |
| Cost of funding earning assets | 0.5216% | 5,058 |
| Net interest margin | 3.2616% | 5,387 |
| Noninterest income to average assets | 0.7097% | 2,674 |
| Noninterest expense to average assets | 2.0118% | 6,302 |
| Loan and lease loss provision to assets | 0.0032% | 5,882 |
| Net operating income to assets | 1.3556% | 1,186 |
| Return on assets (ROA) | 1.3971% | 1,219 |
| Pretax return on assets | 1.8652% | 802 |
| Return on Equity (ROE) | 12.8367% | 1,275 |
| Retained earnings to average equity (ytd only) | -4.1043% | 6,366 |
| Net charge-offs to loans | 0.0618% | 5,081 |
| Credit loss provision to net charge-offs | 13.7931% | 5,358 |
| Earnings coverage of net charge-offs (x) | 78.9310% | 484 |
| Efficiency ratio | 52.5989% | 6,411 |
| Assets per employee ($millions) | 4.7627% | 2,557 |
| Cash dividends to net income (ytd only)* | 131.9728% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 3,343 |
| Loan loss allowance to noncurrent loans | 291.4729% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 4,619 |
| Noncurrent loans to loans | 0.5474% | 5,161 |
| Net loans and leases to total assets | 37.4581% | 6,339 |
| Net loans and leases to deposits | 47.8887% | 6,114 |
| Net loans and leases to core deposits | 51.5223% | 6,049 |
| Total domestic deposits to total assets | 78.2192% | 6,045 |
| Equity capital to assets | 11.0919% | 2,841 |
| Core capital (leverage) ratio | 9.9320% | 3,497 |
| Tier 1 risk-based capital ratio | 15.5155% | 3,414 |
| Total risk-based capital ratio | 16.5090% | 3,520 |
| Memoranda: | ||
| Average total assets | $126,257,600 | 4,225 |
| Average earning assets | $120,583,600 | 4,097 |
| Average equity | $13,741,800 | 4,217 |
| Average total loans | $46,905,200 | 5,216 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 5,937 |
| Cost of funding earning assets | 0.5407% | 5,157 |
| Net interest margin | 3.2950% | 5,407 |
| Noninterest income to average assets | 0.6779% | 2,824 |
| Noninterest expense to average assets | 2.0284% | 6,309 |
| Loan and lease loss provision to assets | 0.0032% | 5,762 |
| Net operating income to assets | 1.3479% | 1,333 |
| Return on assets (ROA) | 1.4030% | 1,338 |
| Pretax return on assets | 1.8707% | 922 |
| Return on Equity (ROE) | 12.9513% | 1,349 |
| Retained earnings to average equity (ytd only) | -6.4126% | 6,691 |
| Net charge-offs to loans | 0.0683% | 4,733 |
| Credit loss provision to net charge-offs | 12.5000% | 5,051 |
| Earnings coverage of net charge-offs (x) | 71.3731% | 578 |
| Efficiency ratio | 52.9783% | 6,351 |
| Assets per employee ($millions) | 5.0631% | 2,103 |
| Cash dividends to net income (ytd only)* | 149.5129% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 3,276 |
| Loan loss allowance to noncurrent loans | 218.4971% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 4,905 |
| Noncurrent loans to loans | 0.7622% | 4,895 |
| Net loans and leases to total assets | 33.9114% | 6,660 |
| Net loans and leases to deposits | 43.4091% | 6,534 |
| Net loans and leases to core deposits | 46.2520% | 6,507 |
| Total domestic deposits to total assets | 78.1206% | 6,051 |
| Equity capital to assets | 10.3624% | 3,997 |
| Core capital (leverage) ratio | 9.9154% | 3,674 |
| Tier 1 risk-based capital ratio | 15.4363% | 3,574 |
| Total risk-based capital ratio | 16.4378% | 3,663 |
| Memoranda: | ||
| Average total assets | $126,864,750 | 4,255 |
| Average earning assets | $121,310,500 | 4,121 |
| Average equity | $13,743,500 | 4,254 |
| Average total loans | $46,847,500 | 5,278 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 5,647 |
| Cost of funding earning assets | 0.5760% | 5,107 |
| Net interest margin | 3.4210% | 5,000 |
| Noninterest income to average assets | 0.6737% | 2,811 |
| Noninterest expense to average assets | 2.0611% | 6,316 |
| Loan and lease loss provision to assets | 0.0032% | 5,602 |
| Net operating income to assets | 1.4129% | 1,163 |
| Return on assets (ROA) | 1.4129% | 1,300 |
| Pretax return on assets | 1.8807% | 882 |
| Return on Equity (ROE) | 12.8469% | 1,406 |
| Retained earnings to average equity (ytd only) | -11.3082% | 6,865 |
| Net charge-offs to loans | -0.0042% | 6,143 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2461% | 6,479 |
| Assets per employee ($millions) | 4.6408% | 2,654 |
| Cash dividends to net income (ytd only)* | 188.0226% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 3,183 |
| Loan loss allowance to noncurrent loans | 317.0732% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 4,927 |
| Noncurrent loans to loans | 0.5395% | 5,439 |
| Net loans and leases to total assets | 37.1451% | 6,537 |
| Net loans and leases to deposits | 48.9162% | 6,250 |
| Net loans and leases to core deposits | 52.5390% | 6,195 |
| Total domestic deposits to total assets | 75.9361% | 6,471 |
| Equity capital to assets | 11.0093% | 3,104 |
| Core capital (leverage) ratio | 9.6731% | 3,885 |
| Tier 1 risk-based capital ratio | 15.9691% | 3,182 |
| Total risk-based capital ratio | 17.0468% | 3,250 |
| Memoranda: | ||
| Average total assets | $125,273,000 | 4,309 |
| Average earning assets | $119,788,000 | 4,180 |
| Average equity | $13,777,670 | 4,238 |
| Average total loans | $47,331,000 | 5,296 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 5,542 |
| Cost of funding earning assets | 0.6107% | 5,048 |
| Net interest margin | 3.4638% | 4,856 |
| Noninterest income to average assets | 0.5769% | 3,361 |
| Noninterest expense to average assets | 2.0003% | 6,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4642% | 1,093 |
| Return on assets (ROA) | 1.4642% | 1,222 |
| Pretax return on assets | 1.8843% | 910 |
| Return on Equity (ROE) | 13.3195% | 1,317 |
| Retained earnings to average equity (ytd only) | 3.8504% | 4,277 |
| Net charge-offs to loans | -0.0249% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4931% | 6,582 |
| Assets per employee ($millions) | 5.2618% | 1,917 |
| Cash dividends to net income (ytd only)* | 71.0921% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 3,538 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 5,235 |
| Noncurrent loans to loans | 0.7616% | 5,136 |
| Net loans and leases to total assets | 33.9790% | 6,741 |
| Net loans and leases to deposits | 43.7742% | 6,570 |
| Net loans and leases to core deposits | 46.5405% | 6,533 |
| Total domestic deposits to total assets | 77.6234% | 6,318 |
| Equity capital to assets | 10.3313% | 3,697 |
| Core capital (leverage) ratio | 10.4807% | 2,775 |
| Tier 1 risk-based capital ratio | 16.3317% | 2,999 |
| Total risk-based capital ratio | 17.3566% | 3,085 |
| Memoranda: | ||
| Average total assets | $127,578,500 | 4,291 |
| Average earning assets | $121,830,000 | 4,155 |
| Average equity | $14,024,500 | 4,195 |
| Average total loans | $48,196,500 | 5,297 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 5,489 |
| Cost of funding earning assets | 0.7319% | 5,328 |
| Net interest margin | 3.6505% | 4,517 |
| Noninterest income to average assets | 0.6894% | 2,668 |
| Noninterest expense to average assets | 2.1764% | 6,318 |
| Loan and lease loss provision to assets | 0.0043% | 6,465 |
| Net operating income to assets | 1.4941% | 834 |
| Return on assets (ROA) | 1.5596% | 787 |
| Pretax return on assets | 2.0629% | 473 |
| Return on Equity (ROE) | 13.5844% | 1,038 |
| Retained earnings to average equity (ytd only) | 4.0426% | 3,315 |
| Net charge-offs to loans | 0.0327% | 5,991 |
| Credit loss provision to net charge-offs | 31.2500% | 5,764 |
| Earnings coverage of net charge-offs (x) | 145.1250% | 232 |
| Efficiency ratio | 52.3497% | 6,676 |
| Assets per employee ($millions) | 4.5519% | 2,823 |
| Cash dividends to net income (ytd only)* | 70.2407% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 3,659 |
| Loan loss allowance to noncurrent loans | 189.9756% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 5,015 |
| Noncurrent loans to loans | 0.8325% | 5,022 |
| Net loans and leases to total assets | 40.8537% | 6,480 |
| Net loans and leases to deposits | 54.6470% | 6,008 |
| Net loans and leases to core deposits | 57.6123% | 6,032 |
| Total domestic deposits to total assets | 74.7594% | 6,640 |
| Equity capital to assets | 11.7576% | 2,299 |
| Core capital (leverage) ratio | 10.9067% | 2,343 |
| Tier 1 risk-based capital ratio | 16.4478% | 2,849 |
| Total risk-based capital ratio | 17.4869% | 2,907 |
| Memoranda: | ||
| Average total assets | $117,210,800 | 4,477 |
| Average earning assets | $111,354,800 | 4,359 |
| Average equity | $13,456,600 | 4,247 |
| Average total loans | $48,898,000 | 5,306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 5,645 |
| Cost of funding earning assets | 0.7530% | 5,455 |
| Net interest margin | 3.6355% | 4,635 |
| Noninterest income to average assets | 0.6500% | 2,881 |
| Noninterest expense to average assets | 2.1928% | 6,290 |
| Loan and lease loss provision to assets | 0.0034% | 6,372 |
| Net operating income to assets | 1.4081% | 1,131 |
| Return on assets (ROA) | 1.4790% | 1,065 |
| Pretax return on assets | 2.0012% | 622 |
| Return on Equity (ROE) | 12.9613% | 1,288 |
| Retained earnings to average equity (ytd only) | 3.3377% | 4,349 |
| Net charge-offs to loans | 0.0082% | 6,049 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 557.9850% | 67 |
| Efficiency ratio | 53.4612% | 6,544 |
| Assets per employee ($millions) | 4.8185% | 2,441 |
| Cash dividends to net income (ytd only)* | 74.2484% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 3,381 |
| Loan loss allowance to noncurrent loans | 338.1974% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 4,989 |
| Noncurrent loans to loans | 0.4937% | 5,857 |
| Net loans and leases to total assets | 37.0420% | 6,823 |
| Net loans and leases to deposits | 48.0573% | 6,622 |
| Net loans and leases to core deposits | 50.4314% | 6,652 |
| Total domestic deposits to total assets | 77.0789% | 6,369 |
| Equity capital to assets | 10.9545% | 3,191 |
| Core capital (leverage) ratio | 10.9805% | 2,399 |
| Tier 1 risk-based capital ratio | 16.0987% | 3,065 |
| Total risk-based capital ratio | 17.1466% | 3,124 |
| Memoranda: | ||
| Average total assets | $116,926,250 | 4,506 |
| Average earning assets | $111,014,500 | 4,389 |
| Average equity | $13,342,000 | 4,282 |
| Average total loans | $48,840,750 | 5,351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 5,461 |
| Cost of funding earning assets | 0.7746% | 5,539 |
| Net interest margin | 3.6923% | 4,301 |
| Noninterest income to average assets | 0.6536% | 2,809 |
| Noninterest expense to average assets | 2.2481% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4062% | 1,069 |
| Return on assets (ROA) | 1.5087% | 930 |
| Pretax return on assets | 2.0518% | 531 |
| Return on Equity (ROE) | 13.0310% | 1,191 |
| Retained earnings to average equity (ytd only) | 3.3145% | 4,148 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0211% | 6,622 |
| Assets per employee ($millions) | 4.4080% | 2,982 |
| Cash dividends to net income (ytd only)* | 74.5645% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,667 |
| Loan loss allowance to noncurrent loans | 187.6190% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 4,713 |
| Noncurrent loans to loans | 0.8571% | 5,233 |
| Net loans and leases to total assets | 42.0669% | 6,589 |
| Net loans and leases to deposits | 56.1839% | 6,120 |
| Net loans and leases to core deposits | 59.3181% | 6,157 |
| Total domestic deposits to total assets | 74.8735% | 6,741 |
| Equity capital to assets | 11.8142% | 2,232 |
| Core capital (leverage) ratio | 10.9826% | 2,266 |
| Tier 1 risk-based capital ratio | 16.5148% | 2,736 |
| Total risk-based capital ratio | 17.5995% | 2,773 |
| Memoranda: | ||
| Average total assets | $114,141,000 | 4,606 |
| Average earning assets | $108,440,670 | 4,493 |
| Average equity | $13,214,670 | 4,291 |
| Average total loans | $49,389,330 | 5,382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 5,487 |
| Cost of funding earning assets | 0.7637% | 5,781 |
| Net interest margin | 3.6959% | 4,133 |
| Noninterest income to average assets | 0.5303% | 3,651 |
| Noninterest expense to average assets | 2.2474% | 6,309 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3284% | 1,208 |
| Return on assets (ROA) | 1.4714% | 971 |
| Pretax return on assets | 1.9770% | 579 |
| Return on Equity (ROE) | 12.8409% | 1,234 |
| Retained earnings to average equity (ytd only) | 3.0034% | 4,364 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7491% | 6,529 |
| Assets per employee ($millions) | 4.7202% | 2,536 |
| Cash dividends to net income (ytd only)* | 76.6110% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 3,703 |
| Loan loss allowance to noncurrent loans | 304.2471% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 5,171 |
| Noncurrent loans to loans | 0.5277% | 5,969 |
| Net loans and leases to total assets | 39.3527% | 6,828 |
| Net loans and leases to deposits | 51.0086% | 6,545 |
| Net loans and leases to core deposits | 53.2264% | 6,605 |
| Total domestic deposits to total assets | 77.1491% | 6,506 |
| Equity capital to assets | 10.7035% | 2,988 |
| Core capital (leverage) ratio | 11.4458% | 1,879 |
| Tier 1 risk-based capital ratio | 16.0442% | 2,887 |
| Total risk-based capital ratio | 17.1083% | 2,940 |
| Memoranda: | ||
| Average total assets | $113,907,500 | 4,652 |
| Average earning assets | $107,902,000 | 4,531 |
| Average equity | $13,052,000 | 4,330 |
| Average total loans | $49,584,000 | 5,413 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 5,497 |
| Cost of funding earning assets | 0.9322% | 6,025 |
| Net interest margin | 3.8457% | 3,753 |
| Noninterest income to average assets | 0.6861% | 2,924 |
| Noninterest expense to average assets | 2.1769% | 6,678 |
| Loan and lease loss provision to assets | 0.0450% | 6,715 |
| Net operating income to assets | 1.5268% | 721 |
| Return on assets (ROA) | 1.5945% | 676 |
| Pretax return on assets | 2.1833% | 333 |
| Return on Equity (ROE) | 13.3315% | 1,017 |
| Retained earnings to average equity (ytd only) | 2.5803% | 4,057 |
| Net charge-offs to loans | 0.1045% | 5,822 |
| Credit loss provision to net charge-offs | 94.2308% | 4,932 |
| Earnings coverage of net charge-offs (x) | 44.7115% | 519 |
| Efficiency ratio | 50.4792% | 7,086 |
| Assets per employee ($millions) | 3.8922% | 4,026 |
| Cash dividends to net income (ytd only)* | 80.6452% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,684 |
| Loan loss allowance to noncurrent loans | 220.1117% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 5,034 |
| Noncurrent loans to loans | 0.7148% | 5,619 |
| Net loans and leases to total assets | 46.9088% | 6,485 |
| Net loans and leases to deposits | 63.4587% | 5,690 |
| Net loans and leases to core deposits | 66.8511% | 5,792 |
| Total domestic deposits to total assets | 73.9202% | 6,905 |
| Equity capital to assets | 12.3400% | 1,721 |
| Core capital (leverage) ratio | 11.6641% | 1,750 |
| Tier 1 risk-based capital ratio | 16.3303% | 2,603 |
| Total risk-based capital ratio | 17.4219% | 2,626 |
| Memoranda: | ||
| Average total assets | $108,872,200 | 4,749 |
| Average earning assets | $102,660,400 | 4,652 |
| Average equity | $13,021,800 | 4,357 |
| Average total loans | $49,761,000 | 5,492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 5,777 |
| Cost of funding earning assets | 0.9559% | 6,144 |
| Net interest margin | 3.8157% | 3,901 |
| Noninterest income to average assets | 0.6617% | 3,064 |
| Noninterest expense to average assets | 2.1684% | 6,691 |
| Loan and lease loss provision to assets | 0.0461% | 6,627 |
| Net operating income to assets | 1.4827% | 954 |
| Return on assets (ROA) | 1.5723% | 858 |
| Pretax return on assets | 2.1611% | 443 |
| Return on Equity (ROE) | 13.2458% | 1,198 |
| Retained earnings to average equity (ytd only) | 2.5060% | 4,669 |
| Net charge-offs to loans | 0.1127% | 5,411 |
| Credit loss provision to net charge-offs | 90.4762% | 4,743 |
| Earnings coverage of net charge-offs (x) | 40.8800% | 671 |
| Efficiency ratio | 50.9849% | 7,072 |
| Assets per employee ($millions) | 4.3615% | 3,142 |
| Cash dividends to net income (ytd only)* | 81.0815% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,517 |
| Loan loss allowance to noncurrent loans | 97.2806% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 4,514 |
| Noncurrent loans to loans | 1.6467% | 4,174 |
| Net loans and leases to total assets | 42.6304% | 6,937 |
| Net loans and leases to deposits | 54.6812% | 6,718 |
| Net loans and leases to core deposits | 57.2230% | 6,781 |
| Total domestic deposits to total assets | 77.9617% | 6,267 |
| Equity capital to assets | 11.7674% | 2,311 |
| Core capital (leverage) ratio | 11.8472% | 1,740 |
| Tier 1 risk-based capital ratio | 15.9674% | 2,782 |
| Total risk-based capital ratio | 17.0414% | 2,817 |
| Memoranda: | ||
| Average total assets | $109,818,000 | 4,776 |
| Average earning assets | $103,359,500 | 4,688 |
| Average equity | $13,035,250 | 4,427 |
| Average total loans | $49,680,250 | 5,580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 5,566 |
| Cost of funding earning assets | 1.0046% | 6,113 |
| Net interest margin | 3.8582% | 3,641 |
| Noninterest income to average assets | 0.6849% | 2,787 |
| Noninterest expense to average assets | 2.1800% | 6,698 |
| Loan and lease loss provision to assets | 0.0037% | 6,844 |
| Net operating income to assets | 1.5816% | 756 |
| Return on assets (ROA) | 1.5816% | 813 |
| Pretax return on assets | 2.1358% | 457 |
| Return on Equity (ROE) | 13.2845% | 1,179 |
| Retained earnings to average equity (ytd only) | 2.4590% | 4,585 |
| Net charge-offs to loans | 0.0762% | 5,379 |
| Credit loss provision to net charge-offs | 10.5263% | 5,934 |
| Earnings coverage of net charge-offs (x) | 61.1579% | 503 |
| Efficiency ratio | 50.4689% | 7,197 |
| Assets per employee ($millions) | 4.0785% | 3,614 |
| Cash dividends to net income (ytd only)* | 81.4901% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 3,767 |
| Loan loss allowance to noncurrent loans | 327.9661% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.8676% | 5,389 |
| Noncurrent loans to loans | 0.4668% | 6,319 |
| Net loans and leases to total assets | 46.9493% | 6,711 |
| Net loans and leases to deposits | 63.5759% | 6,078 |
| Net loans and leases to core deposits | 68.1921% | 6,038 |
| Total domestic deposits to total assets | 73.8476% | 6,992 |
| Equity capital to assets | 12.3821% | 1,879 |
| Core capital (leverage) ratio | 11.4077% | 1,969 |
| Tier 1 risk-based capital ratio | 16.0985% | 2,630 |
| Total risk-based capital ratio | 17.1718% | 2,673 |
| Memoranda: | ||
| Average total assets | $108,624,670 | 4,846 |
| Average earning assets | $102,326,670 | 4,737 |
| Average equity | $12,932,330 | 4,452 |
| Average total loans | $49,864,000 | 5,612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 5,795 |
| Cost of funding earning assets | 1.0383% | 6,178 |
| Net interest margin | 3.7853% | 3,852 |
| Noninterest income to average assets | 0.6769% | 2,765 |
| Noninterest expense to average assets | 2.1689% | 6,756 |
| Loan and lease loss provision to assets | 0.0073% | 6,524 |
| Net operating income to assets | 1.5248% | 858 |
| Return on assets (ROA) | 1.5248% | 920 |
| Pretax return on assets | 2.0561% | 551 |
| Return on Equity (ROE) | 13.0596% | 1,240 |
| Retained earnings to average equity (ytd only) | 2.1506% | 4,842 |
| Net charge-offs to loans | 0.1373% | 4,122 |
| Credit loss provision to net charge-offs | 11.7647% | 5,029 |
| Earnings coverage of net charge-offs (x) | 33.3529% | 807 |
| Efficiency ratio | 51.2468% | 7,216 |
| Assets per employee ($millions) | 4.4182% | 3,095 |
| Cash dividends to net income (ytd only)* | 83.5322% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 3,774 |
| Loan loss allowance to noncurrent loans | 233.0330% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 5,390 |
| Noncurrent loans to loans | 0.6547% | 6,013 |
| Net loans and leases to total assets | 43.6033% | 7,025 |
| Net loans and leases to deposits | 56.0062% | 6,776 |
| Net loans and leases to core deposits | 61.5150% | 6,636 |
| Total domestic deposits to total assets | 77.8545% | 6,351 |
| Equity capital to assets | 11.2308% | 2,549 |
| Core capital (leverage) ratio | 11.2644% | 2,049 |
| Tier 1 risk-based capital ratio | 15.6044% | 2,826 |
| Total risk-based capital ratio | 16.6551% | 2,867 |
| Memoranda: | ||
| Average total assets | $109,917,000 | 4,874 |
| Average earning assets | $103,242,500 | 4,775 |
| Average equity | $12,833,500 | 4,514 |
| Average total loans | $49,516,500 | 5,693 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 6,493 |
| Cost of funding earning assets | 1.3159% | 6,256 |
| Net interest margin | 3.6671% | 4,271 |
| Noninterest income to average assets | 0.6025% | 3,616 |
| Noninterest expense to average assets | 2.1844% | 7,026 |
| Loan and lease loss provision to assets | 0.0074% | 7,393 |
| Net operating income to assets | 1.3972% | 855 |
| Return on assets (ROA) | 1.3571% | 976 |
| Pretax return on assets | 1.8131% | 619 |
| Return on Equity (ROE) | 11.8285% | 1,203 |
| Retained earnings to average equity (ytd only) | -0.6986% | 5,174 |
| Net charge-offs to loans | 0.0121% | 7,053 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 84 |
| Efficiency ratio | 53.8252% | 7,249 |
| Assets per employee ($millions) | 4.1985% | 3,442 |
| Cash dividends to net income (ytd only)* | 105.9063% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 3,116 |
| Loan loss allowance to noncurrent loans | 217.3077% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 5,112 |
| Noncurrent loans to loans | 0.7557% | 5,755 |
| Net loans and leases to total assets | 45.1382% | 7,043 |
| Net loans and leases to deposits | 59.5111% | 6,668 |
| Net loans and leases to core deposits | 75.9665% | 6,402 |
| Total domestic deposits to total assets | 75.8484% | 6,706 |
| Equity capital to assets | 12.1625% | 1,926 |
| Core capital (leverage) ratio | 11.4888% | 1,919 |
| Tier 1 risk-based capital ratio | 16.2301% | 2,424 |
| Total risk-based capital ratio | 17.3426% | 2,412 |
| Memoranda: | ||
| Average total assets | $108,541,000 | 4,862 |
| Average earning assets | $102,289,200 | 4,785 |
| Average equity | $12,453,000 | 4,645 |
| Average total loans | $49,781,800 | 5,681 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 6,634 |
| Cost of funding earning assets | 1.3719% | 6,328 |
| Net interest margin | 3.6166% | 4,421 |
| Noninterest income to average assets | 0.7834% | 2,522 |
| Noninterest expense to average assets | 2.2064% | 6,956 |
| Loan and lease loss provision to assets | 0.0061% | 7,255 |
| Net operating income to assets | 1.4748% | 865 |
| Return on assets (ROA) | 1.4218% | 1,043 |
| Pretax return on assets | 1.9079% | 650 |
| Return on Equity (ROE) | 12.5737% | 1,213 |
| Retained earnings to average equity (ytd only) | -1.0020% | 5,487 |
| Net charge-offs to loans | 0.0080% | 6,853 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 542.9875% | 62 |
| Efficiency ratio | 52.6453% | 7,360 |
| Assets per employee ($millions) | 4.4456% | 2,946 |
| Cash dividends to net income (ytd only)* | 107.9694% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 2,875 |
| Loan loss allowance to noncurrent loans | 317.6707% | 961 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 5,049 |
| Noncurrent loans to loans | 0.5133% | 6,277 |
| Net loans and leases to total assets | 42.9377% | 7,315 |
| Net loans and leases to deposits | 55.8428% | 7,102 |
| Net loans and leases to core deposits | 73.4848% | 6,756 |
| Total domestic deposits to total assets | 76.8904% | 6,365 |
| Equity capital to assets | 11.5782% | 2,525 |
| Core capital (leverage) ratio | 11.3416% | 2,167 |
| Tier 1 risk-based capital ratio | 16.0352% | 2,618 |
| Total risk-based capital ratio | 17.1349% | 2,601 |
| Memoranda: | ||
| Average total assets | $109,435,750 | 4,866 |
| Average earning assets | $103,113,250 | 4,785 |
| Average equity | $12,374,750 | 4,687 |
| Average total loans | $50,185,000 | 5,707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 6,560 |
| Cost of funding earning assets | 1.4515% | 6,321 |
| Net interest margin | 3.6141% | 4,307 |
| Noninterest income to average assets | 0.7587% | 2,652 |
| Noninterest expense to average assets | 2.1108% | 7,253 |
| Loan and lease loss provision to assets | 0.0018% | 7,149 |
| Net operating income to assets | 1.5268% | 791 |
| Return on assets (ROA) | 1.4752% | 949 |
| Pretax return on assets | 1.9841% | 590 |
| Return on Equity (ROE) | 13.1528% | 1,149 |
| Retained earnings to average equity (ytd only) | -0.6060% | 5,378 |
| Net charge-offs to loans | -0.0039% | 7,509 |
| Credit loss provision to net charge-offs | -100.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6614% | 7,620 |
| Assets per employee ($millions) | 4.0776% | 3,541 |
| Cash dividends to net income (ytd only)* | 104.6077% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 2,558 |
| Loan loss allowance to noncurrent loans | 441.8994% | 729 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 4,933 |
| Noncurrent loans to loans | 0.3716% | 6,583 |
| Net loans and leases to total assets | 43.0374% | 7,393 |
| Net loans and leases to deposits | 62.8433% | 6,665 |
| Net loans and leases to core deposits | 83.4955% | 6,121 |
| Total domestic deposits to total assets | 68.4836% | 7,589 |
| Equity capital to assets | 11.2358% | 2,729 |
| Core capital (leverage) ratio | 10.7808% | 2,583 |
| Tier 1 risk-based capital ratio | 16.2871% | 2,523 |
| Total risk-based capital ratio | 17.3989% | 2,519 |
| Memoranda: | ||
| Average total assets | $108,867,670 | 4,913 |
| Average earning assets | $102,652,670 | 4,823 |
| Average equity | $12,210,330 | 4,758 |
| Average total loans | $50,742,670 | 5,738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 6,568 |
| Cost of funding earning assets | 1.4596% | 6,545 |
| Net interest margin | 3.6687% | 4,024 |
| Noninterest income to average assets | 0.6577% | 3,156 |
| Noninterest expense to average assets | 2.0064% | 7,337 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5576% | 845 |
| Return on assets (ROA) | 1.5002% | 1,006 |
| Pretax return on assets | 2.0286% | 636 |
| Return on Equity (ROE) | 13.3877% | 1,293 |
| Retained earnings to average equity (ytd only) | -0.4616% | 5,754 |
| Net charge-offs to loans | -0.0077% | 7,242 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7871% | 7,682 |
| Assets per employee ($millions) | 4.4084% | 2,867 |
| Cash dividends to net income (ytd only)* | 103.4483% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 2,732 |
| Loan loss allowance to noncurrent loans | 897.7273% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 4,906 |
| Noncurrent loans to loans | 0.1723% | 7,030 |
| Net loans and leases to total assets | 43.8697% | 7,352 |
| Net loans and leases to deposits | 59.6484% | 6,924 |
| Net loans and leases to core deposits | 75.4830% | 6,712 |
| Total domestic deposits to total assets | 73.5471% | 6,959 |
| Equity capital to assets | 10.4904% | 3,472 |
| Core capital (leverage) ratio | 11.7421% | 2,023 |
| Tier 1 risk-based capital ratio | 15.8701% | 2,734 |
| Total risk-based capital ratio | 16.9501% | 2,720 |
| Memoranda: | ||
| Average total assets | $108,254,000 | 4,944 |
| Average earning assets | $101,942,500 | 4,863 |
| Average equity | $12,130,500 | 4,803 |
| Average total loans | $52,027,500 | 5,717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8498% | 6,265 |
| Cost of funding earning assets | 1.9990% | 6,421 |
| Net interest margin | 3.8508% | 3,791 |
| Noninterest income to average assets | 0.8111% | 2,453 |
| Noninterest expense to average assets | 2.1995% | 6,962 |
| Loan and lease loss provision to assets | 0.0049% | 7,298 |
| Net operating income to assets | 1.6851% | 700 |
| Return on assets (ROA) | 1.3690% | 1,254 |
| Pretax return on assets | 1.8295% | 890 |
| Return on Equity (ROE) | 11.4225% | 1,784 |
| Retained earnings to average equity (ytd only) | -2.2260% | 5,932 |
| Net charge-offs to loans | 0.0412% | 6,205 |
| Credit loss provision to net charge-offs | 22.7273% | 6,567 |
| Earnings coverage of net charge-offs (x) | 105.3182% | 411 |
| Efficiency ratio | 49.3663% | 7,704 |
| Assets per employee ($millions) | 4.0756% | 3,354 |
| Cash dividends to net income (ytd only)* | 119.4879% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 2,750 |
| Loan loss allowance to noncurrent loans | 529.5302% | 829 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 3,915 |
| Noncurrent loans to loans | 0.2812% | 6,530 |
| Net loans and leases to total assets | 51.2254% | 6,914 |
| Net loans and leases to deposits | 71.1445% | 6,150 |
| Net loans and leases to core deposits | 95.4151% | 5,306 |
| Total domestic deposits to total assets | 72.0019% | 6,993 |
| Equity capital to assets | 12.0101% | 2,286 |
| Core capital (leverage) ratio | 11.9146% | 2,015 |
| Tier 1 risk-based capital ratio | 15.7453% | 2,763 |
| Total risk-based capital ratio | 16.8143% | 2,757 |
| Memoranda: | ||
| Average total assets | $102,706,200 | 4,968 |
| Average earning assets | $97,200,200 | 4,885 |
| Average equity | $12,309,000 | 4,755 |
| Average total loans | $53,350,600 | 5,559 |