Home > Campbell County Bank, Inc. > Performance and Condition Ratios
Campbell County Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7896% | 262 |
| Cost of funding earning assets | 1.3719% | 2,303 |
| Net interest margin | 5.4177% | 206 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.6510% | 1,870 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 2.4427% | 252 |
| Return on assets (ROA) | 2.4219% | 257 |
| Pretax return on assets | 2.5504% | 322 |
| Return on Equity (ROE) | 17.3000% | 913 |
| Retained earnings to average equity (ytd only) | 10.5294% | 899 |
| Net charge-offs to loans | -0.0070% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 45.5894% | 4,209 |
| Assets per employee ($millions) | 9.8826% | 734 |
| Cash dividends to net income (ytd only)* | 39.1198% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,103 |
| Loan loss allowance to noncurrent loans | 924.4541% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,730 |
| Noncurrent loans to loans | 0.1605% | 2,719 |
| Net loans and leases to total assets | 74.8500% | 1,256 |
| Net loans and leases to deposits | 112.7537% | 148 |
| Net loans and leases to core deposits | 121.1478% | 587 |
| Total domestic deposits to total assets | 66.3900% | 4,369 |
| Equity capital to assets | 13.7258% | 727 |
| Core capital (leverage) ratio | 14.4028% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $168,878,400 | 3,199 |
| Average earning assets | $152,776,800 | 3,227 |
| Average equity | $23,648,000 | 2,588 |
| Average total loans | $128,252,600 | 2,869 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6471% | 264 |
| Cost of funding earning assets | 1.1766% | 2,503 |
| Net interest margin | 5.4705% | 184 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.5967% | 1,953 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 2.5456% | 257 |
| Return on assets (ROA) | 2.5171% | 258 |
| Pretax return on assets | 2.6592% | 329 |
| Return on Equity (ROE) | 17.8700% | 964 |
| Retained earnings to average equity (ytd only) | 8.6458% | 1,782 |
| Net charge-offs to loans | -0.0096% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.3500% | 4,211 |
| Assets per employee ($millions) | 8.4397% | 1,145 |
| Cash dividends to net income (ytd only)* | 51.6296% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,071 |
| Loan loss allowance to noncurrent loans | 202.7835% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 1,017 |
| Noncurrent loans to loans | 0.7479% | 1,110 |
| Net loans and leases to total assets | 75.6800% | 1,157 |
| Net loans and leases to deposits | 105.7337% | 295 |
| Net loans and leases to core deposits | 111.2477% | 825 |
| Total domestic deposits to total assets | 71.5700% | 4,268 |
| Equity capital to assets | 13.9655% | 658 |
| Core capital (leverage) ratio | 14.2693% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $164,155,500 | 3,247 |
| Average earning assets | $149,355,500 | 3,267 |
| Average equity | $23,116,750 | 2,613 |
| Average total loans | $124,648,500 | 2,905 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4552% | 272 |
| Cost of funding earning assets | 0.8923% | 2,948 |
| Net interest margin | 5.5630% | 162 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.5017% | 2,202 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 2.6987% | 198 |
| Return on assets (ROA) | 2.6554% | 205 |
| Pretax return on assets | 2.7969% | 247 |
| Return on Equity (ROE) | 18.8000% | 857 |
| Retained earnings to average equity (ytd only) | 4.8683% | 2,970 |
| Net charge-offs to loans | -0.0114% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.4297% | 4,321 |
| Assets per employee ($millions) | 8.3243% | 1,174 |
| Cash dividends to net income (ytd only)* | 74.1084% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,341 |
| Loan loss allowance to noncurrent loans | 814.4105% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,589 |
| Noncurrent loans to loans | 0.1783% | 2,587 |
| Net loans and leases to total assets | 76.0000% | 1,052 |
| Net loans and leases to deposits | 106.0477% | 307 |
| Net loans and leases to core deposits | 110.7256% | 796 |
| Total domestic deposits to total assets | 71.6700% | 4,308 |
| Equity capital to assets | 14.1075% | 637 |
| Core capital (leverage) ratio | 13.9592% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $162,609,333 | 3,266 |
| Average earning assets | $148,158,667 | 3,292 |
| Average equity | $22,964,667 | 2,626 |
| Average total loans | $122,963,000 | 2,916 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 289 |
| Cost of funding earning assets | 0.5703% | 3,475 |
| Net interest margin | 5.5025% | 149 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.4174% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7887% | 184 |
| Return on assets (ROA) | 2.7012% | 200 |
| Pretax return on assets | 2.8505% | 237 |
| Return on Equity (ROE) | 19.1200% | 867 |
| Retained earnings to average equity (ytd only) | -9.0735% | 4,457 |
| Net charge-offs to loans | -0.0133% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.6628% | 4,397 |
| Assets per employee ($millions) | 8.6027% | 1,091 |
| Cash dividends to net income (ytd only)* | 147.4654% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,588 |
| Loan loss allowance to noncurrent loans | 769.4323% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,528 |
| Noncurrent loans to loans | 0.1830% | 2,567 |
| Net loans and leases to total assets | 75.4800% | 1,024 |
| Net loans and leases to deposits | 96.0542% | 648 |
| Net loans and leases to core deposits | 99.6937% | 1,100 |
| Total domestic deposits to total assets | 78.5800% | 3,935 |
| Equity capital to assets | 13.8249% | 616 |
| Core capital (leverage) ratio | 13.9436% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $160,671,000 | 3,330 |
| Average earning assets | $145,897,000 | 3,349 |
| Average equity | $22,703,500 | 2,669 |
| Average total loans | $120,244,500 | 2,974 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 265 |
| Cost of funding earning assets | 0.2160% | 3,624 |
| Net interest margin | 4.8557% | 167 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.6745% | 1,619 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.8366% | 401 |
| Return on assets (ROA) | 1.8366% | 385 |
| Pretax return on assets | 1.9194% | 558 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 5.9933% | 2,650 |
| Net charge-offs to loans | -0.0177% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.1709% | 3,966 |
| Assets per employee ($millions) | 7.8945% | 1,378 |
| Cash dividends to net income (ytd only)* | 53.2104% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 1,132 |
| 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 | 71.9500% | 1,422 |
| Net loans and leases to deposits | 86.8743% | 1,255 |
| Net loans and leases to core deposits | 90.0984% | 1,498 |
| Total domestic deposits to total assets | 82.8200% | 3,458 |
| Equity capital to assets | 14.4468% | 528 |
| Core capital (leverage) ratio | 14.3321% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $153,486,800 | 3,409 |
| Average earning assets | $130,546,400 | 3,526 |
| Average equity | $22,008,000 | 2,772 |
| Average total loans | $107,275,600 | 3,054 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 263 |
| Cost of funding earning assets | 0.1967% | 3,317 |
| Net interest margin | 4.6501% | 179 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.5837% | 1,753 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.6852% | 546 |
| Return on assets (ROA) | 1.6852% | 531 |
| Pretax return on assets | 1.7656% | 792 |
| Return on Equity (ROE) | 11.7800% | 2,108 |
| Retained earnings to average equity (ytd only) | 2.6045% | 3,893 |
| Net charge-offs to loans | -0.0583% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.3080% | 3,986 |
| Assets per employee ($millions) | 7.1359% | 1,853 |
| Cash dividends to net income (ytd only)* | 77.8816% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 847 |
| Loan loss allowance to noncurrent loans | 220.0986% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 995 |
| Noncurrent loans to loans | 0.7800% | 1,038 |
| Net loans and leases to total assets | 68.1900% | 1,658 |
| Net loans and leases to deposits | 81.1362% | 1,513 |
| Net loans and leases to core deposits | 84.4597% | 1,621 |
| Total domestic deposits to total assets | 84.0500% | 3,495 |
| Equity capital to assets | 14.1791% | 549 |
| Core capital (leverage) ratio | 14.2009% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $152,386,000 | 3,447 |
| Average earning assets | $128,078,750 | 3,574 |
| Average equity | $21,807,500 | 2,838 |
| Average total loans | $105,256,000 | 3,091 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 358 |
| Cost of funding earning assets | 0.1957% | 2,972 |
| Net interest margin | 4.3375% | 257 |
| Noninterest income to average assets | 0.4059% | 2,721 |
| Noninterest expense to average assets | 2.6274% | 1,562 |
| Loan and lease loss provision to assets | 0.1305% | 742 |
| Net operating income to assets | 1.2361% | 1,313 |
| Return on assets (ROA) | 1.2361% | 1,294 |
| Pretax return on assets | 1.2922% | 1,778 |
| Return on Equity (ROE) | 8.6114% | 2,824 |
| Retained earnings to average equity (ytd only) | -5.0286% | 4,543 |
| Net charge-offs to loans | -0.0738% | 4,367 |
| Credit loss provision to net charge-offs | -256.4103% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1031% | 3,283 |
| Assets per employee ($millions) | 6.9646% | 1,961 |
| Cash dividends to net income (ytd only)* | 158.3949% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,283 |
| Loan loss allowance to noncurrent loans | 152.2919% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 775 |
| Noncurrent loans to loans | 1.0153% | 820 |
| Net loans and leases to total assets | 67.6509% | 1,510 |
| Net loans and leases to deposits | 80.1063% | 1,379 |
| Net loans and leases to core deposits | 83.2966% | 1,492 |
| Total domestic deposits to total assets | 84.4513% | 3,600 |
| Equity capital to assets | 13.9027% | 531 |
| Core capital (leverage) ratio | 13.3809% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,230,000 | 3,470 |
| Average earning assets | $128,737,000 | 3,609 |
| Average equity | $21,994,000 | 2,893 |
| Average total loans | $105,684,000 | 3,116 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 405 |
| Cost of funding earning assets | 0.2036% | 2,750 |
| Net interest margin | 4.1535% | 305 |
| Noninterest income to average assets | 0.4098% | 2,624 |
| Noninterest expense to average assets | 2.5947% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2243% | 1,185 |
| Return on assets (ROA) | 1.2243% | 1,168 |
| Pretax return on assets | 1.2765% | 1,576 |
| Return on Equity (ROE) | 8.3975% | 2,553 |
| Retained earnings to average equity (ytd only) | -18.4602% | 4,681 |
| Net charge-offs to loans | 0.1776% | 337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.4043% | 1,462 |
| Efficiency ratio | 62.0364% | 3,255 |
| Assets per employee ($millions) | 6.8991% | 2,066 |
| Cash dividends to net income (ytd only)* | 319.8294% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 2,037 |
| Loan loss allowance to noncurrent loans | 942.4837% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 3,105 |
| Noncurrent loans to loans | 0.1452% | 3,080 |
| Net loans and leases to total assets | 68.4833% | 1,166 |
| Net loans and leases to deposits | 81.2393% | 1,058 |
| Net loans and leases to core deposits | 84.3393% | 1,225 |
| Total domestic deposits to total assets | 84.2983% | 3,706 |
| Equity capital to assets | 14.0882% | 515 |
| Core capital (leverage) ratio | 13.1694% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,234,000 | 3,484 |
| Average earning assets | $127,701,000 | 3,640 |
| Average equity | $22,340,000 | 2,952 |
| Average total loans | $105,884,000 | 3,112 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 135 |
| Cost of funding earning assets | 0.3123% | 2,271 |
| Net interest margin | 5.1479% | 113 |
| Noninterest income to average assets | 0.5372% | 2,409 |
| Noninterest expense to average assets | 2.6532% | 1,745 |
| Loan and lease loss provision to assets | 0.5891% | 87 |
| Net operating income to assets | 1.5491% | 916 |
| Return on assets (ROA) | 1.5491% | 949 |
| Pretax return on assets | 1.6357% | 1,320 |
| Return on Equity (ROE) | 9.8155% | 2,597 |
| Retained earnings to average equity (ytd only) | 3.2279% | 3,538 |
| Net charge-offs to loans | 0.9471% | 66 |
| Credit loss provision to net charge-offs | 88.3576% | 1,892 |
| Earnings coverage of net charge-offs (x) | 3.3368% | 2,551 |
| Efficiency ratio | 50.1847% | 4,270 |
| Assets per employee ($millions) | 6.7256% | 2,134 |
| Cash dividends to net income (ytd only)* | 67.1141% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,919 |
| Loan loss allowance to noncurrent loans | 485.0163% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 2,571 |
| Noncurrent loans to loans | 0.2886% | 2,562 |
| Net loans and leases to total assets | 67.8094% | 1,291 |
| Net loans and leases to deposits | 82.0303% | 1,065 |
| Net loans and leases to core deposits | 85.3344% | 1,238 |
| Total domestic deposits to total assets | 82.6638% | 3,868 |
| Equity capital to assets | 15.0606% | 488 |
| Core capital (leverage) ratio | 13.4148% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,277,400 | 3,540 |
| Average earning assets | $121,662,200 | 3,667 |
| Average equity | $22,770,000 | 3,002 |
| Average total loans | $101,575,800 | 3,175 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7423% | 114 |
| Cost of funding earning assets | 0.3328% | 2,268 |
| Net interest margin | 5.4095% | 94 |
| Noninterest income to average assets | 0.5421% | 2,450 |
| Noninterest expense to average assets | 2.6511% | 1,705 |
| Loan and lease loss provision to assets | 0.7997% | 58 |
| Net operating income to assets | 1.5189% | 1,225 |
| Return on assets (ROA) | 1.5189% | 1,275 |
| Pretax return on assets | 1.6648% | 1,503 |
| Return on Equity (ROE) | 9.5058% | 2,926 |
| Retained earnings to average equity (ytd only) | 0.6714% | 4,472 |
| Net charge-offs to loans | 1.2805% | 48 |
| Credit loss provision to net charge-offs | 88.1743% | 1,673 |
| Earnings coverage of net charge-offs (x) | 2.7168% | 2,337 |
| Efficiency ratio | 47.7373% | 4,385 |
| Assets per employee ($millions) | 6.6620% | 2,130 |
| Cash dividends to net income (ytd only)* | 92.9368% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,855 |
| Loan loss allowance to noncurrent loans | 283.7786% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 2,071 |
| Noncurrent loans to loans | 0.5068% | 2,041 |
| Net loans and leases to total assets | 66.5016% | 1,483 |
| Net loans and leases to deposits | 80.5554% | 1,234 |
| Net loans and leases to core deposits | 84.2688% | 1,405 |
| Total domestic deposits to total assets | 82.5538% | 3,814 |
| Equity capital to assets | 14.8781% | 557 |
| Core capital (leverage) ratio | 14.0505% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,674,750 | 3,609 |
| Average earning assets | $119,787,250 | 3,726 |
| Average equity | $22,638,250 | 3,046 |
| Average total loans | $100,374,250 | 3,232 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 69 |
| Cost of funding earning assets | 0.3579% | 2,247 |
| Net interest margin | 5.9505% | 62 |
| Noninterest income to average assets | 0.4789% | 2,716 |
| Noninterest expense to average assets | 2.7716% | 1,417 |
| Loan and lease loss provision to assets | 0.4353% | 131 |
| Net operating income to assets | 2.2101% | 332 |
| Return on assets (ROA) | 2.2101% | 355 |
| Pretax return on assets | 2.3624% | 432 |
| Return on Equity (ROE) | 13.4866% | 1,566 |
| Retained earnings to average equity (ytd only) | 0.2037% | 4,477 |
| Net charge-offs to loans | 0.3361% | 258 |
| Credit loss provision to net charge-offs | 179.6407% | 1,092 |
| Earnings coverage of net charge-offs (x) | 11.5449% | 1,752 |
| Efficiency ratio | 45.9093% | 4,519 |
| Assets per employee ($millions) | 6.3612% | 2,273 |
| Cash dividends to net income (ytd only)* | 98.4898% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 1,118 |
| Loan loss allowance to noncurrent loans | 168.5131% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 1,167 |
| Noncurrent loans to loans | 0.9929% | 1,244 |
| Net loans and leases to total assets | 69.6529% | 1,242 |
| Net loans and leases to deposits | 85.1489% | 973 |
| Net loans and leases to core deposits | 90.1776% | 1,130 |
| Total domestic deposits to total assets | 81.8013% | 3,958 |
| Equity capital to assets | 15.5454% | 466 |
| Core capital (leverage) ratio | 13.9140% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,824,667 | 3,655 |
| Average earning assets | $117,906,667 | 3,757 |
| Average equity | $22,585,333 | 3,046 |
| Average total loans | $99,371,000 | 3,264 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8001% | 54 |
| Cost of funding earning assets | 0.3957% | 2,133 |
| Net interest margin | 6.4045% | 48 |
| Noninterest income to average assets | 0.5450% | 2,421 |
| Noninterest expense to average assets | 2.8357% | 1,292 |
| Loan and lease loss provision to assets | 0.2994% | 312 |
| Net operating income to assets | 2.7069% | 199 |
| Return on assets (ROA) | 2.7069% | 223 |
| Pretax return on assets | 2.8866% | 265 |
| Return on Equity (ROE) | 16.0668% | 1,001 |
| Retained earnings to average equity (ytd only) | -10.5927% | 4,822 |
| Net charge-offs to loans | 0.0864% | 762 |
| Credit loss provision to net charge-offs | 476.1905% | 603 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 894 |
| Efficiency ratio | 43.4112% | 4,606 |
| Assets per employee ($millions) | 6.1150% | 2,481 |
| Cash dividends to net income (ytd only)* | 165.9292% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,209 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 1,415 |
| Noncurrent loans to loans | 0.8705% | 1,549 |
| Net loans and leases to total assets | 75.2635% | 697 |
| Net loans and leases to deposits | 93.2253% | 532 |
| Net loans and leases to core deposits | 99.5771% | 729 |
| Total domestic deposits to total assets | 80.7329% | 4,098 |
| Equity capital to assets | 16.4714% | 353 |
| Core capital (leverage) ratio | 14.7045% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,583,500 | 3,702 |
| Average earning assets | $114,233,000 | 3,810 |
| Average equity | $22,506,000 | 3,038 |
| Average total loans | $97,236,000 | 3,303 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 150 |
| Cost of funding earning assets | 0.5916% | 2,375 |
| Net interest margin | 5.0360% | 115 |
| Noninterest income to average assets | 0.4619% | 2,810 |
| Noninterest expense to average assets | 2.6829% | 2,290 |
| Loan and lease loss provision to assets | 0.2542% | 1,525 |
| Net operating income to assets | 1.8535% | 348 |
| Return on assets (ROA) | 1.9363% | 320 |
| Pretax return on assets | 2.0387% | 420 |
| Return on Equity (ROE) | 12.2109% | 1,263 |
| Retained earnings to average equity (ytd only) | 6.4856% | 1,596 |
| Net charge-offs to loans | 0.0406% | 2,248 |
| Credit loss provision to net charge-offs | 875.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 75.9250% | 926 |
| Efficiency ratio | 50.6760% | 4,489 |
| Assets per employee ($millions) | 5.7668% | 2,566 |
| Cash dividends to net income (ytd only)* | 46.8867% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 949 |
| Loan loss allowance to noncurrent loans | 181.9318% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 1,574 |
| Noncurrent loans to loans | 0.9613% | 1,472 |
| Net loans and leases to total assets | 67.8084% | 1,848 |
| Net loans and leases to deposits | 84.8497% | 1,379 |
| Net loans and leases to core deposits | 91.4284% | 1,426 |
| Total domestic deposits to total assets | 79.9159% | 4,056 |
| Equity capital to assets | 17.2297% | 318 |
| Core capital (leverage) ratio | 14.8577% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1666% | 757 |
| Memoranda: | ||
| Average total assets | $137,686,600 | 3,540 |
| Average earning assets | $121,028,800 | 3,614 |
| Average equity | $21,833,000 | 3,023 |
| Average total loans | $98,599,600 | 3,252 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 169 |
| Cost of funding earning assets | 0.6093% | 2,556 |
| Net interest margin | 5.0419% | 130 |
| Noninterest income to average assets | 0.4356% | 2,907 |
| Noninterest expense to average assets | 2.5659% | 2,645 |
| Loan and lease loss provision to assets | 0.2397% | 1,692 |
| Net operating income to assets | 2.0088% | 291 |
| Return on assets (ROA) | 2.0602% | 285 |
| Pretax return on assets | 2.1868% | 351 |
| Return on Equity (ROE) | 13.2663% | 1,038 |
| Retained earnings to average equity (ytd only) | 5.5425% | 2,305 |
| Net charge-offs to loans | -0.0013% | 3,840 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8818% | 4,614 |
| Assets per employee ($millions) | 5.9783% | 2,284 |
| Cash dividends to net income (ytd only)* | 58.2208% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 1,165 |
| Loan loss allowance to noncurrent loans | 197.9461% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 2,027 |
| Noncurrent loans to loans | 0.7977% | 1,825 |
| Net loans and leases to total assets | 69.9004% | 1,962 |
| Net loans and leases to deposits | 95.2916% | 815 |
| Net loans and leases to core deposits | 107.6631% | 781 |
| Total domestic deposits to total assets | 73.3542% | 4,612 |
| Equity capital to assets | 16.3062% | 433 |
| Core capital (leverage) ratio | 14.0894% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9500% | 922 |
| Memoranda: | ||
| Average total assets | $138,949,000 | 3,516 |
| Average earning assets | $124,078,000 | 3,562 |
| Average equity | $21,578,000 | 3,043 |
| Average total loans | $100,364,500 | 3,232 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 289 |
| Cost of funding earning assets | 0.6606% | 2,624 |
| Net interest margin | 4.9187% | 230 |
| Noninterest income to average assets | 0.3371% | 3,455 |
| Noninterest expense to average assets | 2.4987% | 2,962 |
| Loan and lease loss provision to assets | 0.1434% | 2,580 |
| Net operating income to assets | 2.0208% | 319 |
| Return on assets (ROA) | 2.0985% | 298 |
| Pretax return on assets | 2.2090% | 359 |
| Return on Equity (ROE) | 13.7390% | 931 |
| Retained earnings to average equity (ytd only) | 2.0003% | 3,754 |
| Net charge-offs to loans | 0.0079% | 2,667 |
| Credit loss provision to net charge-offs | 2,500.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 395.7500% | 260 |
| Efficiency ratio | 48.1805% | 4,617 |
| Assets per employee ($millions) | 6.1632% | 2,053 |
| Cash dividends to net income (ytd only)* | 85.4409% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 1,845 |
| Loan loss allowance to noncurrent loans | 69.4890% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 691 |
| Noncurrent loans to loans | 1.9227% | 712 |
| Net loans and leases to total assets | 72.2553% | 1,662 |
| Net loans and leases to deposits | 97.5188% | 691 |
| Net loans and leases to core deposits | 114.6696% | 576 |
| Total domestic deposits to total assets | 74.0937% | 4,590 |
| Equity capital to assets | 15.3619% | 560 |
| Core capital (leverage) ratio | 13.2790% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2592% | 1,189 |
| Memoranda: | ||
| Average total assets | $139,432,000 | 3,487 |
| Average earning assets | $125,644,000 | 3,524 |
| Average equity | $21,297,000 | 3,055 |
| Average total loans | $101,267,667 | 3,215 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4258% | 437 |
| Cost of funding earning assets | 0.7609% | 2,602 |
| Net interest margin | 4.6648% | 364 |
| Noninterest income to average assets | 0.3616% | 3,352 |
| Noninterest expense to average assets | 2.4734% | 3,350 |
| Loan and lease loss provision to assets | 0.2893% | 1,075 |
| Net operating income to assets | 1.7237% | 487 |
| Return on assets (ROA) | 1.8804% | 382 |
| Pretax return on assets | 1.9845% | 462 |
| Return on Equity (ROE) | 12.3471% | 1,020 |
| Retained earnings to average equity (ytd only) | -11.3974% | 4,809 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5581% | 4,693 |
| Assets per employee ($millions) | 6.1459% | 1,562 |
| Cash dividends to net income (ytd only)* | 192.3077% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,003 |
| Loan loss allowance to noncurrent loans | 79.2141% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 978 |
| Noncurrent loans to loans | 1.6784% | 911 |
| Net loans and leases to total assets | 73.0298% | 1,774 |
| Net loans and leases to deposits | 102.1533% | 444 |
| Net loans and leases to core deposits | 122.0107% | 410 |
| Total domestic deposits to total assets | 71.4904% | 4,793 |
| Equity capital to assets | 14.7960% | 805 |
| Core capital (leverage) ratio | 13.1743% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3798% | 1,506 |
| Memoranda: | ||
| Average total assets | $138,271,500 | 3,475 |
| Average earning assets | $125,107,000 | 3,506 |
| Average equity | $21,057,500 | 3,069 |
| Average total loans | $99,996,000 | 3,225 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 362 |
| Cost of funding earning assets | 0.9541% | 1,936 |
| Net interest margin | 4.7932% | 401 |
| Noninterest income to average assets | 0.5737% | 2,345 |
| Noninterest expense to average assets | 2.6521% | 3,020 |
| Loan and lease loss provision to assets | 0.0849% | 2,309 |
| Net operating income to assets | 2.0302% | 326 |
| Return on assets (ROA) | 2.0182% | 352 |
| Pretax return on assets | 2.1259% | 448 |
| Return on Equity (ROE) | 11.8782% | 1,561 |
| Retained earnings to average equity (ytd only) | 5.6344% | 2,079 |
| Net charge-offs to loans | 0.0301% | 2,801 |
| Credit loss provision to net charge-offs | 416.6667% | 686 |
| Earnings coverage of net charge-offs (x) | 109.1667% | 634 |
| Efficiency ratio | 51.5579% | 4,635 |
| Assets per employee ($millions) | 5.8777% | 1,735 |
| Cash dividends to net income (ytd only)* | 52.5652% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,692 |
| Loan loss allowance to noncurrent loans | 36.1018% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.6452% | 233 |
| Noncurrent loans to loans | 3.7496% | 204 |
| Net loans and leases to total assets | 69.5910% | 2,464 |
| Net loans and leases to deposits | 88.7068% | 1,743 |
| Net loans and leases to core deposits | 104.3225% | 1,210 |
| Total domestic deposits to total assets | 78.4506% | 4,285 |
| Equity capital to assets | 15.6820% | 659 |
| Core capital (leverage) ratio | 13.7392% | 993 |
| Tier 1 risk-based capital ratio | 16.7045% | 2,155 |
| Total risk-based capital ratio | 17.8810% | 2,111 |
| Memoranda: | ||
| Average total assets | $117,830,400 | 3,735 |
| Average earning assets | $105,753,200 | 3,782 |
| Average equity | $20,019,800 | 3,135 |
| Average total loans | $79,864,800 | 3,607 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8846% | 303 |
| Cost of funding earning assets | 0.9969% | 1,777 |
| Net interest margin | 4.8877% | 354 |
| Noninterest income to average assets | 0.5322% | 2,550 |
| Noninterest expense to average assets | 2.4518% | 3,560 |
| Loan and lease loss provision to assets | 0.0587% | 2,725 |
| Net operating income to assets | 2.3137% | 217 |
| Return on assets (ROA) | 2.2967% | 233 |
| Pretax return on assets | 2.3931% | 308 |
| Return on Equity (ROE) | 13.2149% | 1,197 |
| Retained earnings to average equity (ytd only) | 4.7655% | 3,015 |
| Net charge-offs to loans | 0.0421% | 2,250 |
| Credit loss provision to net charge-offs | 208.3333% | 1,266 |
| Earnings coverage of net charge-offs (x) | 87.5813% | 812 |
| Efficiency ratio | 47.6009% | 4,874 |
| Assets per employee ($millions) | 6.3460% | 1,363 |
| Cash dividends to net income (ytd only)* | 63.9388% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 2,069 |
| Loan loss allowance to noncurrent loans | 40.0193% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.3730% | 312 |
| Noncurrent loans to loans | 3.1968% | 286 |
| Net loans and leases to total assets | 68.5915% | 2,693 |
| Net loans and leases to deposits | 96.1968% | 994 |
| Net loans and leases to core deposits | 114.0825% | 746 |
| Total domestic deposits to total assets | 71.3033% | 4,947 |
| Equity capital to assets | 14.8784% | 876 |
| Core capital (leverage) ratio | 14.3151% | 901 |
| Tier 1 risk-based capital ratio | 15.9375% | 2,461 |
| Total risk-based capital ratio | 17.0462% | 2,455 |
| Memoranda: | ||
| Average total assets | $113,491,250 | 3,828 |
| Average earning assets | $101,912,500 | 3,876 |
| Average equity | $19,724,750 | 3,177 |
| Average total loans | $75,988,750 | 3,705 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 431 |
| Cost of funding earning assets | 0.9455% | 1,939 |
| Net interest margin | 4.7128% | 482 |
| Noninterest income to average assets | 0.4333% | 3,047 |
| Noninterest expense to average assets | 2.3381% | 3,899 |
| Loan and lease loss provision to assets | 0.0954% | 1,944 |
| Net operating income to assets | 2.1625% | 290 |
| Return on assets (ROA) | 2.1625% | 305 |
| Pretax return on assets | 2.2618% | 384 |
| Return on Equity (ROE) | 11.6951% | 1,694 |
| Retained earnings to average equity (ytd only) | -1.2077% | 4,848 |
| Net charge-offs to loans | 0.0696% | 1,664 |
| Credit loss provision to net charge-offs | 208.3333% | 1,169 |
| Earnings coverage of net charge-offs (x) | 51.4583% | 1,072 |
| Efficiency ratio | 48.8618% | 4,849 |
| Assets per employee ($millions) | 7.1591% | 929 |
| Cash dividends to net income (ytd only)* | 110.3266% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 764 |
| Loan loss allowance to noncurrent loans | 77.1766% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6883% | 624 |
| Noncurrent loans to loans | 2.2556% | 587 |
| Net loans and leases to total assets | 65.2304% | 3,206 |
| Net loans and leases to deposits | 113.2874% | 160 |
| Net loans and leases to core deposits | 130.7445% | 311 |
| Total domestic deposits to total assets | 57.5796% | 5,225 |
| Equity capital to assets | 18.4845% | 332 |
| Core capital (leverage) ratio | 18.1809% | 327 |
| Tier 1 risk-based capital ratio | 22.9584% | 949 |
| Total risk-based capital ratio | 24.2118% | 921 |
| Memoranda: | ||
| Average total assets | $104,784,330 | 3,987 |
| Average earning assets | $94,763,330 | 4,019 |
| Average equity | $19,375,670 | 3,209 |
| Average total loans | $68,984,000 | 3,858 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 442 |
| Cost of funding earning assets | 0.8708% | 2,149 |
| Net interest margin | 4.7128% | 480 |
| Noninterest income to average assets | 0.4291% | 2,985 |
| Noninterest expense to average assets | 2.3154% | 3,976 |
| Loan and lease loss provision to assets | 0.1933% | 840 |
| Net operating income to assets | 2.1105% | 314 |
| Return on assets (ROA) | 2.1105% | 330 |
| Pretax return on assets | 2.1878% | 464 |
| Return on Equity (ROE) | 11.4116% | 1,776 |
| Retained earnings to average equity (ytd only) | -14.7138% | 5,202 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3128% | 4,929 |
| Assets per employee ($millions) | 6.9709% | 1,012 |
| Cash dividends to net income (ytd only)* | 228.9377% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 696 |
| Loan loss allowance to noncurrent loans | 53.9676% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.4282% | 326 |
| Noncurrent loans to loans | 3.3583% | 281 |
| Net loans and leases to total assets | 65.5413% | 3,109 |
| Net loans and leases to deposits | 103.6542% | 411 |
| Net loans and leases to core deposits | 120.9723% | 500 |
| Total domestic deposits to total assets | 63.2308% | 5,251 |
| Equity capital to assets | 18.1833% | 338 |
| Core capital (leverage) ratio | 18.0040% | 336 |
| Tier 1 risk-based capital ratio | 22.6339% | 978 |
| Total risk-based capital ratio | 23.8875% | 951 |
| Memoranda: | ||
| Average total assets | $103,483,000 | 4,048 |
| Average earning assets | $93,702,500 | 4,081 |
| Average equity | $19,138,500 | 3,249 |
| Average total loans | $67,831,000 | 3,926 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 489 |
| Cost of funding earning assets | 0.7696% | 1,690 |
| Net interest margin | 4.6211% | 577 |
| Noninterest income to average assets | 0.6500% | 2,046 |
| Noninterest expense to average assets | 2.4240% | 3,821 |
| Loan and lease loss provision to assets | 0.0492% | 3,201 |
| Net operating income to assets | 2.2627% | 225 |
| Return on assets (ROA) | 2.2627% | 218 |
| Pretax return on assets | 2.3748% | 254 |
| Return on Equity (ROE) | 12.5188% | 1,539 |
| Retained earnings to average equity (ytd only) | 5.5820% | 2,429 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0669% | 4,992 |
| Assets per employee ($millions) | 6.8269% | 1,058 |
| Cash dividends to net income (ytd only)* | 55.4107% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 630 |
| Loan loss allowance to noncurrent loans | 51.6143% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.4531% | 320 |
| Noncurrent loans to loans | 3.5740% | 238 |
| Net loans and leases to total assets | 63.1329% | 3,451 |
| Net loans and leases to deposits | 93.0136% | 1,400 |
| Net loans and leases to core deposits | 109.8798% | 1,012 |
| Total domestic deposits to total assets | 67.8750% | 5,212 |
| Equity capital to assets | 18.8119% | 283 |
| Core capital (leverage) ratio | 18.9846% | 264 |
| Tier 1 risk-based capital ratio | 24.5352% | 778 |
| Total risk-based capital ratio | 25.7891% | 759 |
| Memoranda: | ||
| Average total assets | $101,691,400 | 4,069 |
| Average earning assets | $92,380,800 | 4,094 |
| Average equity | $18,380,400 | 3,259 |
| Average total loans | $66,165,800 | 3,961 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3263% | 501 |
| Cost of funding earning assets | 0.7700% | 1,483 |
| Net interest margin | 4.5563% | 656 |
| Noninterest income to average assets | 0.5516% | 2,563 |
| Noninterest expense to average assets | 2.2656% | 4,180 |
| Loan and lease loss provision to assets | 0.0657% | 2,661 |
| Net operating income to assets | 2.2670% | 242 |
| Return on assets (ROA) | 2.2670% | 242 |
| Pretax return on assets | 2.3628% | 299 |
| Return on Equity (ROE) | 12.6726% | 1,552 |
| Retained earnings to average equity (ytd only) | 3.3113% | 4,093 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3139% | 5,083 |
| Assets per employee ($millions) | 6.4493% | 1,214 |
| Cash dividends to net income (ytd only)* | 73.8702% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 577 |
| Loan loss allowance to noncurrent loans | 663.9344% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 3,995 |
| Noncurrent loans to loans | 0.2880% | 3,654 |
| Net loans and leases to total assets | 64.4228% | 3,373 |
| Net loans and leases to deposits | 102.2292% | 631 |
| Net loans and leases to core deposits | 120.9033% | 551 |
| Total domestic deposits to total assets | 63.0180% | 5,364 |
| Equity capital to assets | 19.0678% | 272 |
| Core capital (leverage) ratio | 18.9033% | 276 |
| Tier 1 risk-based capital ratio | 25.2080% | 733 |
| Total risk-based capital ratio | 26.4624% | 721 |
| Memoranda: | ||
| Average total assets | $101,513,500 | 4,115 |
| Average earning assets | $92,294,250 | 4,137 |
| Average equity | $18,159,500 | 3,299 |
| Average total loans | $66,241,000 | 3,989 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 543 |
| Cost of funding earning assets | 0.7444% | 1,401 |
| Net interest margin | 4.4708% | 734 |
| Noninterest income to average assets | 0.4306% | 3,292 |
| Noninterest expense to average assets | 2.1687% | 4,444 |
| Loan and lease loss provision to assets | 0.0970% | 1,995 |
| Net operating income to assets | 2.1376% | 285 |
| Return on assets (ROA) | 2.1376% | 280 |
| Pretax return on assets | 2.2307% | 368 |
| Return on Equity (ROE) | 12.2011% | 1,655 |
| Retained earnings to average equity (ytd only) | -1.9154% | 5,138 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2390% | 5,155 |
| Assets per employee ($millions) | 6.7215% | 1,061 |
| Cash dividends to net income (ytd only)* | 115.6987% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.7920% | 3,426 |
| Net loans and leases to deposits | 107.6904% | 363 |
| Net loans and leases to core deposits | 123.5535% | 472 |
| Total domestic deposits to total assets | 59.2365% | 5,455 |
| Equity capital to assets | 17.8868% | 333 |
| Core capital (leverage) ratio | 17.8797% | 320 |
| Tier 1 risk-based capital ratio | 23.5808% | 873 |
| Total risk-based capital ratio | 24.8349% | 845 |
| Memoranda: | ||
| Average total assets | $103,105,000 | 4,127 |
| Average earning assets | $93,765,000 | 4,149 |
| Average equity | $18,064,000 | 3,324 |
| Average total loans | $67,142,330 | 3,997 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 619 |
| Cost of funding earning assets | 0.7243% | 1,320 |
| Net interest margin | 4.3371% | 887 |
| Noninterest income to average assets | 0.4528% | 3,093 |
| Noninterest expense to average assets | 2.1257% | 4,597 |
| Loan and lease loss provision to assets | 0.1919% | 875 |
| Net operating income to assets | 1.9991% | 376 |
| Return on assets (ROA) | 1.9991% | 374 |
| Pretax return on assets | 2.0874% | 479 |
| Return on Equity (ROE) | 11.5272% | 1,759 |
| Retained earnings to average equity (ytd only) | -16.6823% | 5,475 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2125% | 5,227 |
| Assets per employee ($millions) | 6.7885% | 1,052 |
| Cash dividends to net income (ytd only)* | 244.7217% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 65.2453% | 3,142 |
| Net loans and leases to deposits | 98.5771% | 822 |
| Net loans and leases to core deposits | 127.3588% | 387 |
| Total domestic deposits to total assets | 66.1871% | 5,459 |
| Equity capital to assets | 17.1652% | 388 |
| Core capital (leverage) ratio | 16.7519% | 409 |
| Tier 1 risk-based capital ratio | 22.3117% | 1,013 |
| Total risk-based capital ratio | 23.5656% | 995 |
| Memoranda: | ||
| Average total assets | $104,246,000 | 4,158 |
| Average earning assets | $94,994,500 | 4,172 |
| Average equity | $18,079,000 | 3,344 |
| Average total loans | $67,947,500 | 4,010 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 684 |
| Cost of funding earning assets | 0.6551% | 1,269 |
| Net interest margin | 4.3169% | 930 |
| Noninterest income to average assets | 0.6551% | 2,165 |
| Noninterest expense to average assets | 2.2983% | 4,334 |
| Loan and lease loss provision to assets | 0.0484% | 3,257 |
| Net operating income to assets | 2.1056% | 228 |
| Return on assets (ROA) | 2.1387% | 220 |
| Pretax return on assets | 2.2587% | 288 |
| Return on Equity (ROE) | 12.3359% | 1,118 |
| Retained earnings to average equity (ytd only) | 5.3586% | 1,894 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3119% | 5,256 |
| Assets per employee ($millions) | 7.6189% | 730 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.8863% | 3,496 |
| Net loans and leases to deposits | 93.3063% | 1,356 |
| Net loans and leases to core deposits | 116.2231% | 710 |
| Total domestic deposits to total assets | 67.3976% | 5,488 |
| Equity capital to assets | 17.5120% | 357 |
| Core capital (leverage) ratio | 17.3354% | 342 |
| Tier 1 risk-based capital ratio | 23.0717% | 907 |
| Total risk-based capital ratio | 24.3248% | 888 |
| Memoranda: | ||
| Average total assets | $103,335,200 | 4,180 |
| Average earning assets | $93,724,200 | 4,204 |
| Average equity | $17,915,200 | 3,377 |
| Average total loans | $65,072,200 | 4,069 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 634 |
| Cost of funding earning assets | 0.6539% | 1,211 |
| Net interest margin | 4.3298% | 854 |
| Noninterest income to average assets | 0.6022% | 2,475 |
| Noninterest expense to average assets | 2.1761% | 4,578 |
| Loan and lease loss provision to assets | 0.0650% | 2,774 |
| Net operating income to assets | 2.1668% | 230 |
| Return on assets (ROA) | 2.2113% | 211 |
| Pretax return on assets | 2.3270% | 286 |
| Return on Equity (ROE) | 12.7882% | 1,103 |
| Retained earnings to average equity (ytd only) | 3.3851% | 3,912 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1231% | 5,380 |
| Assets per employee ($millions) | 6.3364% | 1,286 |
| Cash dividends to net income (ytd only)* | 73.5296% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.4393% | 3,495 |
| Net loans and leases to deposits | 96.6940% | 1,045 |
| Net loans and leases to core deposits | 120.9084% | 557 |
| Total domestic deposits to total assets | 65.6083% | 5,595 |
| Equity capital to assets | 18.1452% | 325 |
| Core capital (leverage) ratio | 17.5477% | 336 |
| Tier 1 risk-based capital ratio | 23.5481% | 892 |
| Total risk-based capital ratio | 24.8021% | 876 |
| Memoranda: | ||
| Average total assets | $102,503,000 | 4,238 |
| Average earning assets | $92,780,500 | 4,261 |
| Average equity | $17,724,250 | 3,432 |
| Average total loans | $64,279,750 | 4,124 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 706 |
| Cost of funding earning assets | 0.6317% | 1,253 |
| Net interest margin | 4.2589% | 956 |
| Noninterest income to average assets | 0.4510% | 3,344 |
| Noninterest expense to average assets | 2.1521% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0393% | 285 |
| Return on assets (ROA) | 2.0393% | 293 |
| Pretax return on assets | 2.1657% | 378 |
| Return on Equity (ROE) | 11.9883% | 1,304 |
| Retained earnings to average equity (ytd only) | -2.2971% | 5,372 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8068% | 5,367 |
| Assets per employee ($millions) | 6.4545% | 1,185 |
| Cash dividends to net income (ytd only)* | 119.1611% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 63.9709% | 3,388 |
| Net loans and leases to deposits | 98.5530% | 838 |
| Net loans and leases to core deposits | 122.3951% | 482 |
| Total domestic deposits to total assets | 64.9101% | 5,653 |
| Equity capital to assets | 17.2593% | 386 |
| Core capital (leverage) ratio | 16.8438% | 382 |
| Tier 1 risk-based capital ratio | 22.0809% | 1,042 |
| Total risk-based capital ratio | 23.3333% | 1,021 |
| Memoranda: | ||
| Average total assets | $102,876,670 | 4,258 |
| Average earning assets | $93,404,330 | 4,282 |
| Average equity | $17,500,330 | 3,467 |
| Average total loans | $63,879,330 | 4,150 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 923 |
| Cost of funding earning assets | 0.6085% | 1,313 |
| Net interest margin | 4.1010% | 1,215 |
| Noninterest income to average assets | 0.4792% | 3,126 |
| Noninterest expense to average assets | 2.1192% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9517% | 328 |
| Return on assets (ROA) | 1.9517% | 344 |
| Pretax return on assets | 2.0881% | 418 |
| Return on Equity (ROE) | 11.5581% | 1,387 |
| Retained earnings to average equity (ytd only) | -17.2795% | 5,693 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3519% | 5,410 |
| Assets per employee ($millions) | 6.6817% | 1,089 |
| Cash dividends to net income (ytd only)* | 249.5010% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 1,123 |
| Loan loss allowance to noncurrent loans | 403.9855% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,107 |
| Noncurrent loans to loans | 0.4227% | 3,579 |
| Net loans and leases to total assets | 64.0403% | 3,268 |
| Net loans and leases to deposits | 96.3637% | 908 |
| Net loans and leases to core deposits | 120.4199% | 453 |
| Total domestic deposits to total assets | 66.4568% | 5,703 |
| Equity capital to assets | 17.0135% | 384 |
| Core capital (leverage) ratio | 16.4378% | 411 |
| Tier 1 risk-based capital ratio | 22.0803% | 1,080 |
| Total risk-based capital ratio | 23.3335% | 1,062 |
| Memoranda: | ||
| Average total assets | $102,679,000 | 4,303 |
| Average earning assets | $93,342,500 | 4,324 |
| Average equity | $17,338,500 | 3,504 |
| Average total loans | $62,229,500 | 4,235 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 1,208 |
| Cost of funding earning assets | 0.6422% | 1,092 |
| Net interest margin | 3.9881% | 1,663 |
| Noninterest income to average assets | 0.6992% | 2,175 |
| Noninterest expense to average assets | 2.2116% | 4,751 |
| Loan and lease loss provision to assets | 0.0484% | 3,425 |
| Net operating income to assets | 1.9795% | 332 |
| Return on assets (ROA) | 1.9795% | 350 |
| Pretax return on assets | 2.0723% | 426 |
| Return on Equity (ROE) | 11.7519% | 1,331 |
| Retained earnings to average equity (ytd only) | 4.2886% | 2,854 |
| Net charge-offs to loans | 0.0032% | 4,150 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 1,096.5000% | 63 |
| Efficiency ratio | 50.0223% | 5,485 |
| Assets per employee ($millions) | 7.0088% | 921 |
| Cash dividends to net income (ytd only)* | 63.5076% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 55.2106% | 4,330 |
| Net loans and leases to deposits | 82.0062% | 2,669 |
| Net loans and leases to core deposits | 105.0722% | 1,198 |
| Total domestic deposits to total assets | 67.3249% | 5,734 |
| Equity capital to assets | 16.7646% | 415 |
| Core capital (leverage) ratio | 16.7037% | 381 |
| Tier 1 risk-based capital ratio | 23.4871% | 919 |
| Total risk-based capital ratio | 24.7399% | 908 |
| Memoranda: | ||
| Average total assets | $103,410,200 | 4,299 |
| Average earning assets | $94,204,600 | 4,303 |
| Average equity | $17,418,400 | 3,493 |
| Average total loans | $61,690,200 | 4,239 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 1,082 |
| Cost of funding earning assets | 0.6486% | 1,066 |
| Net interest margin | 4.0440% | 1,545 |
| Noninterest income to average assets | 0.6124% | 2,599 |
| Noninterest expense to average assets | 2.1039% | 5,003 |
| Loan and lease loss provision to assets | 0.0647% | 2,936 |
| Net operating income to assets | 2.0379% | 321 |
| Return on assets (ROA) | 2.0379% | 333 |
| Pretax return on assets | 2.1246% | 442 |
| Return on Equity (ROE) | 12.0841% | 1,299 |
| Retained earnings to average equity (ytd only) | 2.1036% | 4,639 |
| Net charge-offs to loans | 0.0043% | 3,773 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 844.4232% | 107 |
| Efficiency ratio | 47.9795% | 5,595 |
| Assets per employee ($millions) | 6.7945% | 963 |
| Cash dividends to net income (ytd only)* | 82.5923% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 1,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 62.9663% | 3,531 |
| Net loans and leases to deposits | 103.7055% | 474 |
| Net loans and leases to core deposits | 129.7860% | 304 |
| Total domestic deposits to total assets | 60.7165% | 5,883 |
| Equity capital to assets | 17.6112% | 381 |
| Core capital (leverage) ratio | 16.7084% | 388 |
| Tier 1 risk-based capital ratio | 21.9922% | 1,139 |
| Total risk-based capital ratio | 23.2443% | 1,118 |
| Memoranda: | ||
| Average total assets | $102,979,750 | 4,339 |
| Average earning assets | $93,732,500 | 4,347 |
| Average equity | $17,366,750 | 3,529 |
| Average total loans | $62,323,000 | 4,245 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 1,102 |
| Cost of funding earning assets | 0.6467% | 1,065 |
| Net interest margin | 4.0290% | 1,558 |
| Noninterest income to average assets | 0.4781% | 3,347 |
| Noninterest expense to average assets | 2.0864% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9742% | 347 |
| Return on assets (ROA) | 1.9742% | 364 |
| Pretax return on assets | 2.0574% | 514 |
| Return on Equity (ROE) | 11.8793% | 1,362 |
| Retained earnings to average equity (ytd only) | -3.2610% | 5,654 |
| Net charge-offs to loans | 0.0065% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 531.5000% | 128 |
| Efficiency ratio | 49.2760% | 5,605 |
| Assets per employee ($millions) | 6.6339% | 1,034 |
| Cash dividends to net income (ytd only)* | 127.4510% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 1,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 61.2182% | 3,724 |
| Net loans and leases to deposits | 93.8253% | 1,304 |
| Net loans and leases to core deposits | 118.6980% | 550 |
| Total domestic deposits to total assets | 65.2470% | 5,912 |
| Equity capital to assets | 17.5222% | 377 |
| Core capital (leverage) ratio | 16.2451% | 434 |
| Tier 1 risk-based capital ratio | 21.6609% | 1,174 |
| Total risk-based capital ratio | 22.9126% | 1,160 |
| Memoranda: | ||
| Average total assets | $103,333,670 | 4,360 |
| Average earning assets | $94,018,000 | 4,384 |
| Average equity | $17,172,670 | 3,565 |
| Average total loans | $61,334,330 | 4,301 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 1,246 |
| Cost of funding earning assets | 0.6390% | 1,109 |
| Net interest margin | 3.9677% | 1,715 |
| Noninterest income to average assets | 0.4637% | 3,390 |
| Noninterest expense to average assets | 2.0713% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9193% | 383 |
| Return on assets (ROA) | 1.9193% | 410 |
| Pretax return on assets | 2.0029% | 565 |
| Return on Equity (ROE) | 11.8538% | 1,355 |
| Retained earnings to average equity (ytd only) | -18.6609% | 5,955 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8134% | 5,641 |
| Assets per employee ($millions) | 6.5893% | 1,062 |
| Cash dividends to net income (ytd only)* | 257.4257% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 1,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 61.4093% | 3,606 |
| Net loans and leases to deposits | 93.5239% | 1,188 |
| Net loans and leases to core deposits | 118.3270% | 513 |
| Total domestic deposits to total assets | 65.6617% | 5,971 |
| Equity capital to assets | 16.9324% | 424 |
| Core capital (leverage) ratio | 15.1857% | 576 |
| Tier 1 risk-based capital ratio | 21.7879% | 1,193 |
| Total risk-based capital ratio | 23.0403% | 1,174 |
| Memoranda: | ||
| Average total assets | $105,246,500 | 4,362 |
| Average earning assets | $95,774,500 | 4,385 |
| Average equity | $17,041,000 | 3,581 |
| Average total loans | $61,010,500 | 4,345 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 1,667 |
| Cost of funding earning assets | 0.6691% | 963 |
| Net interest margin | 3.8095% | 2,339 |
| Noninterest income to average assets | 0.6334% | 2,545 |
| Noninterest expense to average assets | 1.9696% | 5,513 |
| Loan and lease loss provision to assets | 0.0877% | 2,543 |
| Net operating income to assets | 1.9788% | 357 |
| Return on assets (ROA) | 2.0328% | 337 |
| Pretax return on assets | 2.1187% | 409 |
| Return on Equity (ROE) | 13.9774% | 846 |
| Retained earnings to average equity (ytd only) | 6.4367% | 1,576 |
| Net charge-offs to loans | -0.0030% | 4,911 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8271% | 5,884 |
| Assets per employee ($millions) | 7.4435% | 722 |
| Cash dividends to net income (ytd only)* | 53.9491% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 1,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.0125% | 4,602 |
| Net loans and leases to deposits | 76.8552% | 3,170 |
| Net loans and leases to core deposits | 97.9788% | 1,674 |
| Total domestic deposits to total assets | 68.9771% | 5,943 |
| Equity capital to assets | 15.5356% | 592 |
| Core capital (leverage) ratio | 15.3040% | 566 |
| Tier 1 risk-based capital ratio | 21.9859% | 1,151 |
| Total risk-based capital ratio | 23.2376% | 1,129 |
| Memoranda: | ||
| Average total assets | $113,983,400 | 4,177 |
| Average earning assets | $104,318,000 | 4,182 |
| Average equity | $16,576,800 | 3,590 |
| Average total loans | $65,642,600 | 4,213 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 1,586 |
| Cost of funding earning assets | 0.6871% | 900 |
| Net interest margin | 3.8153% | 2,328 |
| Noninterest income to average assets | 0.5400% | 3,104 |
| Noninterest expense to average assets | 1.8411% | 5,725 |
| Loan and lease loss provision to assets | 0.0582% | 3,023 |
| Net operating income to assets | 2.0489% | 334 |
| Return on assets (ROA) | 2.1204% | 315 |
| Pretax return on assets | 2.2112% | 401 |
| Return on Equity (ROE) | 14.8266% | 749 |
| Retained earnings to average equity (ytd only) | 4.6547% | 3,162 |
| Net charge-offs to loans | -0.0040% | 4,795 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6367% | 6,016 |
| Assets per employee ($millions) | 7.0466% | 851 |
| Cash dividends to net income (ytd only)* | 68.6062% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.6676% | 3,781 |
| Net loans and leases to deposits | 90.2991% | 1,602 |
| Net loans and leases to core deposits | 121.4673% | 434 |
| Total domestic deposits to total assets | 67.1851% | 6,063 |
| Equity capital to assets | 16.0380% | 557 |
| Core capital (leverage) ratio | 15.4739% | 557 |
| Tier 1 risk-based capital ratio | 20.6655% | 1,410 |
| Total risk-based capital ratio | 21.9167% | 1,375 |
| Memoranda: | ||
| Average total assets | $114,566,000 | 4,204 |
| Average earning assets | $104,977,250 | 4,210 |
| Average equity | $16,384,500 | 3,646 |
| Average total loans | $66,989,000 | 4,209 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 1,671 |
| Cost of funding earning assets | 0.7013% | 840 |
| Net interest margin | 3.7553% | 2,498 |
| Noninterest income to average assets | 0.4408% | 3,768 |
| Noninterest expense to average assets | 1.7580% | 5,909 |
| Loan and lease loss provision to assets | 0.0851% | 2,414 |
| Net operating income to assets | 1.9580% | 393 |
| Return on assets (ROA) | 2.0626% | 342 |
| Pretax return on assets | 2.1511% | 454 |
| Return on Equity (ROE) | 14.9673% | 736 |
| Retained earnings to average equity (ytd only) | -0.4693% | 5,598 |
| Net charge-offs to loans | -0.0059% | 4,783 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2400% | 6,103 |
| Assets per employee ($millions) | 7.1144% | 797 |
| Cash dividends to net income (ytd only)* | 103.1353% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 2,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 61.1295% | 3,674 |
| Net loans and leases to deposits | 88.3835% | 1,785 |
| Net loans and leases to core deposits | 122.8832% | 394 |
| Total domestic deposits to total assets | 69.1639% | 6,070 |
| Equity capital to assets | 15.2301% | 661 |
| Core capital (leverage) ratio | 13.8047% | 903 |
| Tier 1 risk-based capital ratio | 19.8071% | 1,598 |
| Total risk-based capital ratio | 21.0574% | 1,553 |
| Memoranda: | ||
| Average total assets | $117,521,670 | 4,197 |
| Average earning assets | $107,795,000 | 4,191 |
| Average equity | $16,195,330 | 3,695 |
| Average total loans | $67,604,670 | 4,226 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 2,029 |
| Cost of funding earning assets | 0.6774% | 964 |
| Net interest margin | 3.6426% | 2,846 |
| Noninterest income to average assets | 0.3547% | 4,359 |
| Noninterest expense to average assets | 1.6400% | 6,071 |
| Loan and lease loss provision to assets | 0.1627% | 1,238 |
| Net operating income to assets | 1.8157% | 471 |
| Return on assets (ROA) | 1.8157% | 497 |
| Pretax return on assets | 1.8938% | 727 |
| Return on Equity (ROE) | 13.8063% | 912 |
| Retained earnings to average equity (ytd only) | -17.1218% | 6,244 |
| Net charge-offs to loans | -0.0117% | 4,789 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3979% | 6,198 |
| Assets per employee ($millions) | 8.6789% | 404 |
| Cash dividends to net income (ytd only)* | 224.0143% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 2,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.6718% | 4,241 |
| Net loans and leases to deposits | 88.5694% | 1,550 |
| Net loans and leases to core deposits | 121.0718% | 385 |
| Total domestic deposits to total assets | 62.8567% | 6,295 |
| Equity capital to assets | 13.1188% | 1,339 |
| Core capital (leverage) ratio | 12.5354% | 1,349 |
| Tier 1 risk-based capital ratio | 18.5760% | 1,979 |
| Total risk-based capital ratio | 19.8263% | 1,932 |
| Memoranda: | ||
| Average total assets | $122,924,500 | 4,129 |
| Average earning assets | $112,777,000 | 4,126 |
| Average equity | $16,166,500 | 3,719 |
| Average total loans | $68,281,000 | 4,225 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 2,144 |
| Cost of funding earning assets | 0.6612% | 1,331 |
| Net interest margin | 3.7631% | 2,760 |
| Noninterest income to average assets | 0.6324% | 2,661 |
| Noninterest expense to average assets | 1.9404% | 5,880 |
| Loan and lease loss provision to assets | 0.1078% | 2,358 |
| Net operating income to assets | 1.9319% | 372 |
| Return on assets (ROA) | 2.0172% | 324 |
| Pretax return on assets | 2.1052% | 407 |
| Return on Equity (ROE) | 15.7193% | 659 |
| Retained earnings to average equity (ytd only) | 10.3406% | 464 |
| Net charge-offs to loans | -0.0266% | 5,760 |
| Credit loss provision to net charge-offs | -781.2500% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7629% | 6,231 |
| Assets per employee ($millions) | 8.2896% | 480 |
| Cash dividends to net income (ytd only)* | 34.2173% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 2,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 53.8313% | 4,602 |
| Net loans and leases to deposits | 74.7563% | 3,341 |
| Net loans and leases to core deposits | 97.2398% | 1,616 |
| Total domestic deposits to total assets | 72.0091% | 6,084 |
| Equity capital to assets | 13.1836% | 1,277 |
| Core capital (leverage) ratio | 12.8181% | 1,206 |
| Tier 1 risk-based capital ratio | 18.2566% | 2,065 |
| Total risk-based capital ratio | 19.4132% | 2,048 |
| Memoranda: | ||
| Average total assets | $115,902,200 | 4,259 |
| Average earning assets | $105,711,600 | 4,277 |
| Average equity | $14,873,400 | 3,864 |
| Average total loans | $60,116,600 | 4,484 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,075 |
| Cost of funding earning assets | 0.6548% | 1,426 |
| Net interest margin | 3.7874% | 2,667 |
| Noninterest income to average assets | 0.5495% | 3,207 |
| Noninterest expense to average assets | 1.8689% | 5,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0506% | 314 |
| Return on assets (ROA) | 2.1665% | 266 |
| Pretax return on assets | 2.2508% | 334 |
| Return on Equity (ROE) | 17.0095% | 546 |
| Retained earnings to average equity (ytd only) | 9.6501% | 794 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7369% | 6,300 |
| Assets per employee ($millions) | 7.7522% | 574 |
| Cash dividends to net income (ytd only)* | 43.2667% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,133 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.9316% | 5,020 |
| Net loans and leases to deposits | 82.1989% | 2,398 |
| Net loans and leases to core deposits | 115.4613% | 531 |
| Total domestic deposits to total assets | 60.7449% | 6,482 |
| Equity capital to assets | 13.4560% | 1,204 |
| Core capital (leverage) ratio | 13.0080% | 1,172 |
| Tier 1 risk-based capital ratio | 19.6319% | 1,748 |
| Total risk-based capital ratio | 20.7301% | 1,755 |
| Memoranda: | ||
| Average total assets | $113,791,750 | 4,337 |
| Average earning assets | $103,639,000 | 4,356 |
| Average equity | $14,493,500 | 3,958 |
| Average total loans | $58,170,500 | 4,585 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 2,106 |
| Cost of funding earning assets | 0.6271% | 1,666 |
| Net interest margin | 3.7937% | 2,594 |
| Noninterest income to average assets | 0.4019% | 4,228 |
| Noninterest expense to average assets | 1.8608% | 6,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9354% | 387 |
| Return on assets (ROA) | 2.1105% | 285 |
| Pretax return on assets | 2.1937% | 370 |
| Return on Equity (ROE) | 16.8970% | 565 |
| Retained earnings to average equity (ytd only) | 5.5567% | 2,607 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0050% | 6,324 |
| Assets per employee ($millions) | 8.1818% | 452 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 6,100 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.3108% | 4,819 |
| Net loans and leases to deposits | 80.8991% | 2,395 |
| Net loans and leases to core deposits | 115.6923% | 489 |
| Total domestic deposits to total assets | 63.4257% | 6,519 |
| Equity capital to assets | 13.1695% | 1,281 |
| Core capital (leverage) ratio | 12.2393% | 1,532 |
| Tier 1 risk-based capital ratio | 18.8958% | 1,948 |
| Total risk-based capital ratio | 20.0030% | 1,951 |
| Memoranda: | ||
| Average total assets | $112,961,330 | 4,383 |
| Average earning assets | $103,329,670 | 4,375 |
| Average equity | $14,109,000 | 4,032 |
| Average total loans | $57,932,000 | 4,617 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,535 |
| Cost of funding earning assets | 0.5926% | 2,043 |
| Net interest margin | 3.7036% | 2,853 |
| Noninterest income to average assets | 0.3994% | 4,192 |
| Noninterest expense to average assets | 1.7901% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9225% | 380 |
| Return on assets (ROA) | 2.2751% | 215 |
| Pretax return on assets | 2.3643% | 276 |
| Return on Equity (ROE) | 18.7358% | 384 |
| Retained earnings to average equity (ytd only) | -4.7574% | 6,106 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2335% | 6,417 |
| Assets per employee ($millions) | 8.2856% | 425 |
| Cash dividends to net income (ytd only)* | 125.3918% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 3,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 6,084 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.0164% | 4,795 |
| Net loans and leases to deposits | 80.7758% | 2,194 |
| Net loans and leases to core deposits | 111.2076% | 539 |
| Total domestic deposits to total assets | 63.1580% | 6,602 |
| Equity capital to assets | 12.0993% | 1,806 |
| Core capital (leverage) ratio | 12.2229% | 1,522 |
| Tier 1 risk-based capital ratio | 17.9972% | 2,298 |
| Total risk-based capital ratio | 19.0959% | 2,333 |
| Memoranda: | ||
| Average total assets | $112,169,500 | 4,442 |
| Average earning assets | $102,602,000 | 4,437 |
| Average equity | $13,621,000 | 4,125 |
| Average total loans | $57,099,000 | 4,680 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 3,442 |
| Cost of funding earning assets | 0.6094% | 2,576 |
| Net interest margin | 3.5637% | 3,627 |
| Noninterest income to average assets | 0.1517% | 6,182 |
| Noninterest expense to average assets | 1.8873% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4598% | 894 |
| Return on assets (ROA) | 1.5330% | 808 |
| Pretax return on assets | 1.5971% | 1,175 |
| Return on Equity (ROE) | 12.2978% | 1,328 |
| Retained earnings to average equity (ytd only) | 5.8730% | 2,053 |
| Net charge-offs to loans | -0.0057% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3774% | 6,013 |
| Assets per employee ($millions) | 7.2227% | 680 |
| Cash dividends to net income (ytd only)* | 52.2434% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,143 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 49.2630% | 5,162 |
| Net loans and leases to deposits | 64.7475% | 4,439 |
| Net loans and leases to core deposits | 87.7237% | 2,272 |
| Total domestic deposits to total assets | 76.0848% | 6,088 |
| Equity capital to assets | 12.1902% | 1,691 |
| Core capital (leverage) ratio | 13.1614% | 1,077 |
| Tier 1 risk-based capital ratio | 19.6326% | 1,744 |
| Total risk-based capital ratio | 20.8188% | 1,730 |
| Memoranda: | ||
| Average total assets | $106,129,000 | 4,586 |
| Average earning assets | $96,977,400 | 4,594 |
| Average equity | $13,230,000 | 4,221 |
| Average total loans | $52,329,600 | 4,871 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 3,394 |
| Cost of funding earning assets | 0.6129% | 2,709 |
| Net interest margin | 3.5858% | 3,511 |
| Noninterest income to average assets | 0.1680% | 6,181 |
| Noninterest expense to average assets | 1.8425% | 6,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5297% | 853 |
| Return on assets (ROA) | 1.6279% | 753 |
| Pretax return on assets | 1.6935% | 1,110 |
| Return on Equity (ROE) | 12.9847% | 1,238 |
| Retained earnings to average equity (ytd only) | 4.4223% | 3,528 |
| Net charge-offs to loans | -0.0077% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6594% | 6,132 |
| Assets per employee ($millions) | 6.9783% | 761 |
| Cash dividends to net income (ytd only)* | 65.9430% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 2,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 6,160 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.0401% | 5,550 |
| Net loans and leases to deposits | 66.1197% | 4,293 |
| Net loans and leases to core deposits | 94.8624% | 1,492 |
| Total domestic deposits to total assets | 69.6314% | 6,614 |
| Equity capital to assets | 12.6851% | 1,485 |
| Core capital (leverage) ratio | 12.7675% | 1,299 |
| Tier 1 risk-based capital ratio | 20.6173% | 1,574 |
| Total risk-based capital ratio | 21.8684% | 1,550 |
| Memoranda: | ||
| Average total assets | $105,576,000 | 4,652 |
| Average earning assets | $96,154,500 | 4,664 |
| Average equity | $13,235,750 | 4,262 |
| Average total loans | $51,863,000 | 4,938 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,630 |
| Cost of funding earning assets | 0.6086% | 2,866 |
| Net interest margin | 3.5192% | 3,702 |
| Noninterest income to average assets | 0.1643% | 6,233 |
| Noninterest expense to average assets | 1.8021% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5116% | 882 |
| Return on assets (ROA) | 1.6585% | 744 |
| Pretax return on assets | 1.7265% | 1,053 |
| Return on Equity (ROE) | 13.2812% | 1,172 |
| Retained earnings to average equity (ytd only) | 0.4235% | 5,725 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3856% | 6,191 |
| Assets per employee ($millions) | 6.7289% | 813 |
| Cash dividends to net income (ytd only)* | 96.8109% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 6,154 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 49.1093% | 5,212 |
| Net loans and leases to deposits | 63.4511% | 4,567 |
| Net loans and leases to core deposits | 99.3287% | 1,126 |
| Total domestic deposits to total assets | 77.3971% | 6,073 |
| Equity capital to assets | 12.3090% | 1,699 |
| Core capital (leverage) ratio | 12.5228% | 1,349 |
| Tier 1 risk-based capital ratio | 19.9215% | 1,740 |
| Total risk-based capital ratio | 21.1720% | 1,706 |
| Memoranda: | ||
| Average total assets | $105,876,670 | 4,672 |
| Average earning assets | $96,614,000 | 4,684 |
| Average equity | $13,221,670 | 4,289 |
| Average total loans | $52,812,000 | 4,922 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 3,953 |
| Cost of funding earning assets | 0.6010% | 3,101 |
| Net interest margin | 3.4394% | 3,963 |
| Noninterest income to average assets | 0.1477% | 6,363 |
| Noninterest expense to average assets | 1.7905% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4213% | 995 |
| Return on assets (ROA) | 1.4213% | 1,080 |
| Pretax return on assets | 1.4841% | 1,606 |
| Return on Equity (ROE) | 11.3065% | 1,616 |
| Retained earnings to average equity (ytd only) | -13.6559% | 6,719 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6787% | 6,178 |
| Assets per employee ($millions) | 7.1882% | 712 |
| Cash dividends to net income (ytd only)* | 220.7792% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,692 |
| Loan loss allowance to noncurrent loans | 2,280.5556% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 6,157 |
| Noncurrent loans to loans | 0.0672% | 6,277 |
| Net loans and leases to total assets | 48.9320% | 5,121 |
| Net loans and leases to deposits | 66.3815% | 4,004 |
| Net loans and leases to core deposits | 101.0476% | 888 |
| Total domestic deposits to total assets | 73.7134% | 6,552 |
| Equity capital to assets | 12.3527% | 1,807 |
| Core capital (leverage) ratio | 11.7105% | 1,740 |
| Tier 1 risk-based capital ratio | 18.0829% | 2,326 |
| Total risk-based capital ratio | 19.2805% | 2,312 |
| Memoranda: | ||
| Average total assets | $108,348,000 | 4,649 |
| Average earning assets | $98,506,500 | 4,668 |
| Average equity | $13,620,500 | 4,267 |
| Average total loans | $54,023,500 | 4,917 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 3,763 |
| Cost of funding earning assets | 0.7110% | 3,402 |
| Net interest margin | 3.7016% | 3,634 |
| Noninterest income to average assets | 0.2085% | 5,921 |
| Noninterest expense to average assets | 2.0084% | 6,304 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5634% | 809 |
| Return on assets (ROA) | 1.8700% | 501 |
| Pretax return on assets | 1.9181% | 719 |
| Return on Equity (ROE) | 14.6226% | 888 |
| Retained earnings to average equity (ytd only) | 8.6112% | 939 |
| Net charge-offs to loans | -0.0019% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6295% | 6,099 |
| Assets per employee ($millions) | 7.2582% | 687 |
| Cash dividends to net income (ytd only)* | 41.1100% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 6,326 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.2730% | 5,269 |
| Net loans and leases to deposits | 61.1806% | 4,886 |
| Net loans and leases to core deposits | 86.9618% | 2,197 |
| Total domestic deposits to total assets | 80.5370% | 5,533 |
| Equity capital to assets | 12.7874% | 1,546 |
| Core capital (leverage) ratio | 12.4876% | 1,324 |
| Tier 1 risk-based capital ratio | 18.5146% | 2,099 |
| Total risk-based capital ratio | 19.6965% | 2,086 |
| Memoranda: | ||
| Average total assets | $104,061,600 | 4,730 |
| Average earning assets | $95,634,000 | 4,705 |
| Average equity | $13,308,200 | 4,295 |
| Average total loans | $54,020,600 | 4,939 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 3,371 |
| Cost of funding earning assets | 0.7255% | 3,554 |
| Net interest margin | 3.8372% | 3,177 |
| Noninterest income to average assets | 0.1880% | 6,171 |
| Noninterest expense to average assets | 1.9586% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7157% | 664 |
| Return on assets (ROA) | 2.1336% | 351 |
| Pretax return on assets | 2.1868% | 491 |
| Return on Equity (ROE) | 16.6830% | 645 |
| Retained earnings to average equity (ytd only) | 8.5746% | 1,384 |
| Net charge-offs to loans | -0.0025% | 6,213 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6664% | 6,386 |
| Assets per employee ($millions) | 6.8251% | 804 |
| Cash dividends to net income (ytd only)* | 48.6027% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 3,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 6,392 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.2378% | 5,283 |
| Net loans and leases to deposits | 65.6791% | 4,508 |
| Net loans and leases to core deposits | 101.6804% | 1,006 |
| Total domestic deposits to total assets | 76.4898% | 6,318 |
| Equity capital to assets | 13.5450% | 1,331 |
| Core capital (leverage) ratio | 12.3834% | 1,453 |
| Tier 1 risk-based capital ratio | 18.9041% | 2,038 |
| Total risk-based capital ratio | 20.1397% | 2,010 |
| Memoranda: | ||
| Average total assets | $102,858,750 | 4,805 |
| Average earning assets | $94,649,250 | 4,778 |
| Average equity | $13,154,750 | 4,368 |
| Average total loans | $53,909,250 | 5,000 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 2,869 |
| Cost of funding earning assets | 0.7345% | 3,731 |
| Net interest margin | 3.9765% | 2,606 |
| Noninterest income to average assets | 0.2931% | 5,458 |
| Noninterest expense to average assets | 1.9802% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9198% | 446 |
| Return on assets (ROA) | 2.5393% | 188 |
| Pretax return on assets | 2.6092% | 258 |
| Return on Equity (ROE) | 20.2519% | 337 |
| Retained earnings to average equity (ytd only) | 7.8654% | 1,692 |
| Net charge-offs to loans | 0.0220% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 169.1667% | 269 |
| Efficiency ratio | 50.1229% | 6,640 |
| Assets per employee ($millions) | 6.8633% | 783 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 3,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 6,342 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 50.0787% | 5,341 |
| Net loans and leases to deposits | 66.2597% | 4,477 |
| Net loans and leases to core deposits | 105.9515% | 748 |
| Total domestic deposits to total assets | 75.5794% | 6,520 |
| Equity capital to assets | 12.8606% | 1,591 |
| Core capital (leverage) ratio | 11.6970% | 1,787 |
| Tier 1 risk-based capital ratio | 18.4709% | 2,141 |
| Total risk-based capital ratio | 19.7011% | 2,103 |
| Memoranda: | ||
| Average total assets | $103,019,330 | 4,825 |
| Average earning assets | $94,756,670 | 4,797 |
| Average equity | $12,917,330 | 4,409 |
| Average total loans | $54,461,330 | 5,011 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 2,636 |
| Cost of funding earning assets | 0.7231% | 4,088 |
| Net interest margin | 4.0781% | 2,182 |
| Noninterest income to average assets | 0.4114% | 4,582 |
| Noninterest expense to average assets | 2.1038% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0140% | 407 |
| Return on assets (ROA) | 3.2527% | 99 |
| Pretax return on assets | 3.3497% | 134 |
| Return on Equity (ROE) | 26.2778% | 151 |
| Retained earnings to average equity (ytd only) | 1.1916% | 5,615 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3717% | 6,650 |
| Assets per employee ($millions) | 6.9307% | 782 |
| Cash dividends to net income (ytd only)* | 95.4654% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 4,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 6,433 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 54.8061% | 4,586 |
| Net loans and leases to deposits | 75.0221% | 2,973 |
| Net loans and leases to core deposits | 111.7547% | 477 |
| Total domestic deposits to total assets | 73.0534% | 6,826 |
| Equity capital to assets | 12.1122% | 1,968 |
| Core capital (leverage) ratio | 11.6915% | 1,775 |
| Tier 1 risk-based capital ratio | 16.6608% | 2,831 |
| Total risk-based capital ratio | 17.8232% | 2,836 |
| Memoranda: | ||
| Average total assets | $103,054,000 | 4,864 |
| Average earning assets | $95,143,000 | 4,814 |
| Average equity | $12,756,000 | 4,450 |
| Average total loans | $55,507,000 | 4,994 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 3,505 |
| Cost of funding earning assets | 0.8673% | 4,341 |
| Net interest margin | 4.0011% | 2,870 |
| Noninterest income to average assets | 0.0528% | 6,820 |
| Noninterest expense to average assets | 2.1200% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5666% | 720 |
| Return on assets (ROA) | 1.6882% | 595 |
| Pretax return on assets | 1.7420% | 906 |
| Return on Equity (ROE) | 13.5885% | 1,036 |
| Retained earnings to average equity (ytd only) | 6.9193% | 1,540 |
| Net charge-offs to loans | -0.0333% | 7,014 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7350% | 6,224 |
| Assets per employee ($millions) | 6.8098% | 813 |
| Cash dividends to net income (ytd only)* | 49.0798% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 3,824 |
| Loan loss allowance to noncurrent loans | 267.9739% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 5,740 |
| Noncurrent loans to loans | 0.5750% | 5,563 |
| Net loans and leases to total assets | 51.2957% | 5,429 |
| Net loans and leases to deposits | 65.2759% | 4,839 |
| Net loans and leases to core deposits | 93.1221% | 1,783 |
| Total domestic deposits to total assets | 78.5828% | 6,077 |
| Equity capital to assets | 12.6484% | 1,701 |
| Core capital (leverage) ratio | 11.9673% | 1,613 |
| Tier 1 risk-based capital ratio | 17.3422% | 2,445 |
| Total risk-based capital ratio | 18.5561% | 2,439 |
| Memoranda: | ||
| Average total assets | $96,554,600 | 4,991 |
| Average earning assets | $88,901,200 | 4,966 |
| Average equity | $11,995,400 | 4,553 |
| Average total loans | $48,093,400 | 5,342 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 3,206 |
| Cost of funding earning assets | 0.8994% | 4,402 |
| Net interest margin | 4.0770% | 2,566 |
| Noninterest income to average assets | 0.0042% | 7,093 |
| Noninterest expense to average assets | 1.9897% | 6,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6982% | 632 |
| Return on assets (ROA) | 1.6982% | 693 |
| Pretax return on assets | 1.7683% | 1,011 |
| Return on Equity (ROE) | 13.7362% | 1,098 |
| Retained earnings to average equity (ytd only) | 4.6694% | 3,405 |
| Net charge-offs to loans | -0.0427% | 7,023 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9456% | 6,600 |
| Assets per employee ($millions) | 6.5811% | 910 |
| Cash dividends to net income (ytd only)* | 66.0066% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 2,962 |
| Loan loss allowance to noncurrent loans | 191.8033% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 5,553 |
| Noncurrent loans to loans | 0.9363% | 5,008 |
| Net loans and leases to total assets | 45.3681% | 6,204 |
| Net loans and leases to deposits | 59.8751% | 5,643 |
| Net loans and leases to core deposits | 168.4571% | 92 |
| Total domestic deposits to total assets | 75.7711% | 6,556 |
| Equity capital to assets | 12.9937% | 1,619 |
| Core capital (leverage) ratio | 11.4362% | 2,073 |
| Tier 1 risk-based capital ratio | 18.6803% | 2,036 |
| Total risk-based capital ratio | 19.9322% | 1,991 |
| Memoranda: | ||
| Average total assets | $95,156,500 | 5,069 |
| Average earning assets | $87,610,500 | 5,045 |
| Average equity | $11,764,250 | 4,628 |
| Average total loans | $46,812,500 | 5,437 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 3,465 |
| Cost of funding earning assets | 0.9026% | 4,644 |
| Net interest margin | 4.0328% | 2,687 |
| Noninterest income to average assets | 0.1043% | 6,805 |
| Noninterest expense to average assets | 1.9176% | 6,925 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8346% | 463 |
| Return on assets (ROA) | 1.8346% | 495 |
| Pretax return on assets | 1.9049% | 704 |
| Return on Equity (ROE) | 15.1096% | 786 |
| Retained earnings to average equity (ytd only) | 1.0868% | 5,428 |
| Net charge-offs to loans | -0.0127% | 6,739 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1670% | 6,930 |
| Assets per employee ($millions) | 6.4517% | 948 |
| Cash dividends to net income (ytd only)* | 92.8074% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,364 |
| Loan loss allowance to noncurrent loans | 172.8051% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 5,296 |
| Noncurrent loans to loans | 0.9775% | 5,028 |
| Net loans and leases to total assets | 48.5306% | 5,990 |
| Net loans and leases to deposits | 66.8241% | 4,881 |
| Net loans and leases to core deposits | 147.5109% | 155 |
| Total domestic deposits to total assets | 72.6244% | 6,964 |
| Equity capital to assets | 12.4752% | 1,793 |
| Core capital (leverage) ratio | 11.6492% | 1,813 |
| Tier 1 risk-based capital ratio | 17.7636% | 2,248 |
| Total risk-based capital ratio | 19.0147% | 2,208 |
| Memoranda: | ||
| Average total assets | $93,969,670 | 5,140 |
| Average earning assets | $86,640,330 | 5,112 |
| Average equity | $11,410,000 | 4,713 |
| Average total loans | $47,215,000 | 5,468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 4,071 |
| Cost of funding earning assets | 0.9200% | 4,778 |
| Net interest margin | 3.8769% | 3,265 |
| Noninterest income to average assets | 0.2247% | 6,120 |
| Noninterest expense to average assets | 1.9878% | 6,842 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7415% | 542 |
| Return on assets (ROA) | 1.7415% | 570 |
| Pretax return on assets | 1.8063% | 807 |
| Return on Equity (ROE) | 14.5507% | 897 |
| Retained earnings to average equity (ytd only) | -14.3341% | 7,024 |
| Net charge-offs to loans | -0.0256% | 6,655 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3918% | 6,828 |
| Assets per employee ($millions) | 6.3093% | 1,029 |
| Cash dividends to net income (ytd only)* | 198.5112% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 3,403 |
| Loan loss allowance to noncurrent loans | 77.5216% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.4751% | 4,039 |
| Noncurrent loans to loans | 2.1707% | 3,357 |
| Net loans and leases to total assets | 49.8209% | 5,871 |
| Net loans and leases to deposits | 72.0794% | 4,064 |
| Net loans and leases to core deposits | 131.3261% | 258 |
| Total domestic deposits to total assets | 69.1195% | 7,223 |
| Equity capital to assets | 11.6273% | 2,179 |
| Core capital (leverage) ratio | 11.3182% | 1,945 |
| Tier 1 risk-based capital ratio | 17.0895% | 2,440 |
| Total risk-based capital ratio | 18.3409% | 2,416 |
| Memoranda: | ||
| Average total assets | $92,566,500 | 5,217 |
| Average earning assets | $85,222,000 | 5,180 |
| Average equity | $11,078,500 | 4,781 |
| Average total loans | $46,936,000 | 5,521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 4,213 |
| Cost of funding earning assets | 1.0274% | 5,546 |
| Net interest margin | 4.0466% | 2,814 |
| Noninterest income to average assets | -0.1382% | 7,422 |
| Noninterest expense to average assets | 2.0631% | 6,919 |
| Loan and lease loss provision to assets | 0.5356% | 3,010 |
| Net operating income to assets | 0.9198% | 2,319 |
| Return on assets (ROA) | 1.7867% | 466 |
| Pretax return on assets | 1.8938% | 621 |
| Return on Equity (ROE) | 15.2204% | 687 |
| Retained earnings to average equity (ytd only) | 9.2892% | 643 |
| Net charge-offs to loans | 0.0608% | 6,182 |
| Credit loss provision to net charge-offs | 1,724.1379% | 136 |
| Earnings coverage of net charge-offs (x) | 48.5172% | 478 |
| Efficiency ratio | 57.7858% | 6,361 |
| Assets per employee ($millions) | 6.0329% | 1,189 |
| Cash dividends to net income (ytd only)* | 38.9688% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 3,024 |
| Loan loss allowance to noncurrent loans | 77.9825% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 4,020 |
| Noncurrent loans to loans | 2.2455% | 3,280 |
| Net loans and leases to total assets | 49.8497% | 6,180 |
| Net loans and leases to deposits | 64.5577% | 5,564 |
| Net loans and leases to core deposits | 109.1457% | 976 |
| Total domestic deposits to total assets | 77.2173% | 6,446 |
| Equity capital to assets | 12.3246% | 1,729 |
| Core capital (leverage) ratio | 11.9205% | 1,603 |
| Tier 1 risk-based capital ratio | 18.3018% | 1,907 |
| Total risk-based capital ratio | 19.5528% | 1,865 |
| Memoranda: | ||
| Average total assets | $93,356,200 | 5,181 |
| Average earning assets | $85,553,200 | 5,159 |
| Average equity | $10,959,000 | 4,873 |
| Average total loans | $47,701,200 | 5,570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 4,110 |
| Cost of funding earning assets | 1.0433% | 5,725 |
| Net interest margin | 4.0989% | 2,625 |
| Noninterest income to average assets | -0.1233% | 7,554 |
| Noninterest expense to average assets | 2.0055% | 7,039 |
| Loan and lease loss provision to assets | 0.6378% | 2,396 |
| Net operating income to assets | 0.9083% | 2,570 |
| Return on assets (ROA) | 2.0310% | 344 |
| Pretax return on assets | 2.2011% | 408 |
| Return on Equity (ROE) | 17.5118% | 531 |
| Retained earnings to average equity (ytd only) | 9.5685% | 895 |
| Net charge-offs to loans | 0.0803% | 5,719 |
| Credit loss provision to net charge-offs | 1,551.7241% | 202 |
| Earnings coverage of net charge-offs (x) | 39.3750% | 690 |
| Efficiency ratio | 55.3383% | 6,642 |
| Assets per employee ($millions) | 6.1375% | 1,153 |
| Cash dividends to net income (ytd only)* | 45.3596% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,469 |
| Loan loss allowance to noncurrent loans | 47.2727% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 2.2246% | 3,167 |
| Noncurrent loans to loans | 3.4125% | 2,329 |
| Net loans and leases to total assets | 49.9506% | 6,329 |
| Net loans and leases to deposits | 78.7580% | 3,679 |
| Net loans and leases to core deposits | 138.3079% | 276 |
| Total domestic deposits to total assets | 63.4229% | 7,535 |
| Equity capital to assets | 12.3187% | 1,959 |
| Core capital (leverage) ratio | 11.3989% | 2,009 |
| Tier 1 risk-based capital ratio | 17.3929% | 2,209 |
| Total risk-based capital ratio | 18.6242% | 2,178 |
| Memoranda: | ||
| Average total assets | $94,071,750 | 5,219 |
| Average earning assets | $86,005,250 | 5,206 |
| Average equity | $10,910,500 | 4,949 |
| Average total loans | $48,147,750 | 5,641 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 3,964 |
| Cost of funding earning assets | 1.0407% | 5,962 |
| Net interest margin | 4.1583% | 2,296 |
| Noninterest income to average assets | -0.2808% | 7,710 |
| Noninterest expense to average assets | 2.1047% | 6,895 |
| Loan and lease loss provision to assets | 0.7389% | 1,959 |
| Net operating income to assets | 0.6267% | 3,748 |
| Return on assets (ROA) | 2.2989% | 212 |
| Pretax return on assets | 2.4889% | 237 |
| Return on Equity (ROE) | 20.2285% | 303 |
| Retained earnings to average equity (ytd only) | 8.1545% | 1,393 |
| Net charge-offs to loans | 0.1193% | 4,986 |
| Credit loss provision to net charge-offs | 1,206.8966% | 320 |
| Earnings coverage of net charge-offs (x) | 23.0345% | 1,115 |
| Efficiency ratio | 59.8799% | 6,065 |
| Assets per employee ($millions) | 6.1252% | 1,140 |
| Cash dividends to net income (ytd only)* | 59.6878% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 5,066 |
| Loan loss allowance to noncurrent loans | 48.5884% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.9580% | 3,544 |
| Noncurrent loans to loans | 2.6214% | 3,019 |
| Net loans and leases to total assets | 55.1732% | 5,821 |
| Net loans and leases to deposits | 96.6648% | 990 |
| Net loans and leases to core deposits | 138.6277% | 299 |
| Total domestic deposits to total assets | 57.0768% | 7,699 |
| Equity capital to assets | 11.9735% | 2,113 |
| Core capital (leverage) ratio | 10.7604% | 2,425 |
| Tier 1 risk-based capital ratio | 15.8859% | 2,722 |
| Total risk-based capital ratio | 16.8940% | 2,792 |
| Memoranda: | ||
| Average total assets | $94,741,330 | 5,227 |
| Average earning assets | $86,477,330 | 5,223 |
| Average equity | $10,767,000 | 4,982 |
| Average total loans | $48,617,000 | 5,658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 4,468 |
| Cost of funding earning assets | 1.0975% | 5,923 |
| Net interest margin | 4.0150% | 2,812 |
| Noninterest income to average assets | -0.4034% | 7,846 |
| Noninterest expense to average assets | 2.2418% | 6,577 |
| Loan and lease loss provision to assets | 0.6239% | 2,034 |
| Net operating income to assets | 0.3592% | 5,030 |
| Return on assets (ROA) | 2.2418% | 260 |
| Pretax return on assets | 2.4290% | 279 |
| Return on Equity (ROE) | 20.2441% | 367 |
| Retained earnings to average equity (ytd only) | -4.1690% | 6,521 |
| Net charge-offs to loans | -0.0508% | 7,354 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0141% | 4,505 |
| Assets per employee ($millions) | 6.3740% | 1,061 |
| Cash dividends to net income (ytd only)* | 120.5937% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,612 |
| Loan loss allowance to noncurrent loans | 1,286.8421% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 5,912 |
| Noncurrent loans to loans | 0.0752% | 7,209 |
| Net loans and leases to total assets | 52.3282% | 6,238 |
| Net loans and leases to deposits | 95.2409% | 1,197 |
| Net loans and leases to core deposits | 135.4532% | 390 |
| Total domestic deposits to total assets | 54.9430% | 7,807 |
| Equity capital to assets | 10.8493% | 2,896 |
| Core capital (leverage) ratio | 10.5354% | 2,589 |
| Tier 1 risk-based capital ratio | 15.0549% | 3,096 |
| Total risk-based capital ratio | 15.8095% | 3,312 |
| Memoranda: | ||
| Average total assets | $96,173,000 | 5,251 |
| Average earning assets | $87,471,500 | 5,259 |
| Average equity | $10,650,000 | 5,061 |
| Average total loans | $47,252,500 | 5,790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7601% | 2,817 |
| Cost of funding earning assets | 1.7009% | 4,503 |
| Net interest margin | 4.0591% | 2,610 |
| Noninterest income to average assets | -0.2246% | 7,866 |
| Noninterest expense to average assets | 2.0038% | 7,366 |
| Loan and lease loss provision to assets | 0.1660% | 6,029 |
| Net operating income to assets | 1.2265% | 1,183 |
| Return on assets (ROA) | 1.3034% | 1,073 |
| Pretax return on assets | 1.3842% | 1,474 |
| Return on Equity (ROE) | 11.5194% | 1,282 |
| Retained earnings to average equity (ytd only) | 6.1411% | 1,302 |
| Net charge-offs to loans | 0.5070% | 3,753 |
| Credit loss provision to net charge-offs | 64.9351% | 6,568 |
| Earnings coverage of net charge-offs (x) | 5.7446% | 2,510 |
| Efficiency ratio | 57.7119% | 6,806 |
| Assets per employee ($millions) | 6.4491% | 1,009 |
| Cash dividends to net income (ytd only)* | 46.6893% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 7,241 |
| Loan loss allowance to noncurrent loans | 876.3158% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 5,503 |
| Noncurrent loans to loans | 0.0864% | 7,199 |
| Net loans and leases to total assets | 45.1249% | 7,046 |
| Net loans and leases to deposits | 85.1414% | 3,059 |
| Net loans and leases to core deposits | 112.2246% | 2,677 |
| Total domestic deposits to total assets | 52.9999% | 7,889 |
| Equity capital to assets | 11.2957% | 2,467 |
| Core capital (leverage) ratio | 10.8793% | 2,295 |
| Tier 1 risk-based capital ratio | 16.4513% | 2,341 |
| Total risk-based capital ratio | 17.0065% | 2,553 |
| Memoranda: | ||
| Average total assets | $90,377,400 | 5,380 |
| Average earning assets | $82,308,000 | 5,387 |
| Average equity | $10,226,200 | 5,231 |
| Average total loans | $45,558,000 | 5,851 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8988% | 2,456 |
| Cost of funding earning assets | 1.7935% | 4,412 |
| Net interest margin | 4.1053% | 2,374 |
| Noninterest income to average assets | -0.0871% | 7,922 |
| Noninterest expense to average assets | 1.9762% | 7,426 |
| Loan and lease loss provision to assets | 0.1502% | 5,848 |
| Net operating income to assets | 1.4371% | 952 |
| Return on assets (ROA) | 1.4371% | 1,010 |
| Pretax return on assets | 1.5332% | 1,319 |
| Return on Equity (ROE) | 12.6950% | 1,178 |
| Retained earnings to average equity (ytd only) | 5.3990% | 2,255 |
| Net charge-offs to loans | 0.1799% | 4,948 |
| Credit loss provision to net charge-offs | 161.2903% | 2,934 |
| Earnings coverage of net charge-offs (x) | 18.0817% | 1,367 |
| Efficiency ratio | 54.0008% | 7,235 |
| Assets per employee ($millions) | 5.9955% | 1,220 |
| Cash dividends to net income (ytd only)* | 57.4716% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 6,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 4,990 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 49.1021% | 6,857 |
| Net loans and leases to deposits | 82.5649% | 3,911 |
| Net loans and leases to core deposits | 126.1037% | 1,723 |
| Total domestic deposits to total assets | 59.4709% | 7,887 |
| Equity capital to assets | 12.1557% | 2,152 |
| Core capital (leverage) ratio | 10.6719% | 2,652 |
| Tier 1 risk-based capital ratio | 16.0681% | 2,600 |
| Total risk-based capital ratio | 16.8210% | 2,720 |
| Memoranda: | ||
| Average total assets | $88,787,750 | 5,460 |
| Average earning assets | $81,030,750 | 5,454 |
| Average equity | $10,051,000 | 5,323 |
| Average total loans | $45,951,250 | 5,888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9292% | 2,458 |
| Cost of funding earning assets | 1.8322% | 4,597 |
| Net interest margin | 4.0970% | 2,333 |
| Noninterest income to average assets | -0.0136% | 7,983 |
| Noninterest expense to average assets | 1.9908% | 7,475 |
| Loan and lease loss provision to assets | 0.2262% | 4,764 |
| Net operating income to assets | 1.4117% | 1,006 |
| Return on assets (ROA) | 1.4117% | 1,070 |
| Pretax return on assets | 1.5180% | 1,395 |
| Return on Equity (ROE) | 12.7904% | 1,220 |
| Retained earnings to average equity (ytd only) | 1.5168% | 4,480 |
| Net charge-offs to loans | 0.2845% | 3,769 |
| Credit loss provision to net charge-offs | 151.5152% | 3,035 |
| Earnings coverage of net charge-offs (x) | 11.6818% | 1,881 |
| Efficiency ratio | 53.3010% | 7,402 |
| Assets per employee ($millions) | 6.0297% | 1,197 |
| Cash dividends to net income (ytd only)* | 88.1410% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 6,561 |
| Loan loss allowance to noncurrent loans | 1,178.9474% | 307 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 4,645 |
| Noncurrent loans to loans | 0.0805% | 7,325 |
| Net loans and leases to total assets | 51.6645% | 6,723 |
| Net loans and leases to deposits | 90.7481% | 2,709 |
| Net loans and leases to core deposits | 135.9439% | 1,211 |
| Total domestic deposits to total assets | 56.9318% | 7,996 |
| Equity capital to assets | 11.0598% | 2,862 |
| Core capital (leverage) ratio | 10.2467% | 3,046 |
| Tier 1 risk-based capital ratio | 15.3013% | 2,884 |
| Total risk-based capital ratio | 16.0374% | 3,038 |
| Memoranda: | ||
| Average total assets | $88,406,000 | 5,518 |
| Average earning assets | $80,888,330 | 5,500 |
| Average equity | $9,757,330 | 5,434 |
| Average total loans | $46,398,000 | 5,917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0043% | 2,345 |
| Cost of funding earning assets | 1.8779% | 4,750 |
| Net interest margin | 4.1264% | 2,187 |
| Noninterest income to average assets | 0.2289% | 6,631 |
| Noninterest expense to average assets | 1.8218% | 7,674 |
| Loan and lease loss provision to assets | 0.4577% | 2,635 |
| Net operating income to assets | 1.5929% | 793 |
| Return on assets (ROA) | 1.5929% | 871 |
| Pretax return on assets | 1.7211% | 1,137 |
| Return on Equity (ROE) | 14.4481% | 1,081 |
| Retained earnings to average equity (ytd only) | -8.3865% | 6,950 |
| Net charge-offs to loans | 0.5738% | 2,029 |
| Credit loss provision to net charge-offs | 151.5152% | 2,754 |
| Earnings coverage of net charge-offs (x) | 7.2121% | 2,376 |
| Efficiency ratio | 45.5378% | 7,866 |
| Assets per employee ($millions) | 6.0015% | 1,196 |
| Cash dividends to net income (ytd only)* | 158.0460% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 6,644 |
| Loan loss allowance to noncurrent loans | 364.2276% | 953 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 4,141 |
| Noncurrent loans to loans | 0.2532% | 6,812 |
| Net loans and leases to total assets | 53.4703% | 6,530 |
| Net loans and leases to deposits | 89.7020% | 2,975 |
| Net loans and leases to core deposits | 127.7570% | 1,801 |
| Total domestic deposits to total assets | 59.6088% | 7,975 |
| Equity capital to assets | 10.8351% | 3,135 |
| Core capital (leverage) ratio | 10.2295% | 3,172 |
| Tier 1 risk-based capital ratio | 14.6410% | 3,237 |
| Total risk-based capital ratio | 15.3669% | 3,447 |
| Memoranda: | ||
| Average total assets | $87,386,500 | 5,570 |
| Average earning assets | $79,876,500 | 5,553 |
| Average equity | $9,634,500 | 5,497 |
| Average total loans | $46,009,000 | 5,962 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4635% | 3,146 |
| Cost of funding earning assets | 2.6935% | 3,184 |
| Net interest margin | 3.7700% | 4,139 |
| Noninterest income to average assets | 0.2273% | 6,812 |
| Noninterest expense to average assets | 1.9412% | 7,550 |
| Loan and lease loss provision to assets | 0.2978% | 3,999 |
| Net operating income to assets | 1.3587% | 1,329 |
| Return on assets (ROA) | 1.3553% | 1,294 |
| Pretax return on assets | 1.4367% | 1,857 |
| Return on Equity (ROE) | 12.7923% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.7923% | 181 |
| Net charge-offs to loans | 0.4412% | 2,623 |
| Credit loss provision to net charge-offs | 122.5000% | 4,385 |
| Earnings coverage of net charge-offs (x) | 7.1500% | 3,177 |
| Efficiency ratio | 52.7585% | 7,408 |
| Assets per employee ($millions) | 5.2969% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 6,386 |
| Loan loss allowance to noncurrent loans | 171.7842% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 3,340 |
| Noncurrent loans to loans | 0.5549% | 5,700 |
| Net loans and leases to total assets | 50.7616% | 6,960 |
| Net loans and leases to deposits | 82.9400% | 4,581 |
| Net loans and leases to core deposits | 105.5963% | 4,235 |
| Total domestic deposits to total assets | 61.2028% | 7,919 |
| Equity capital to assets | 11.2270% | 2,865 |
| Core capital (leverage) ratio | 11.0463% | 2,557 |
| Tier 1 risk-based capital ratio | 16.3248% | 2,550 |
| Total risk-based capital ratio | 17.0563% | 2,682 |
| Memoranda: | ||
| Average total assets | $82,269,400 | 5,620 |
| Average earning assets | $75,330,800 | 5,617 |
| Average equity | $8,716,200 | 5,836 |
| Average total loans | $45,334,600 | 5,912 |