Home > Community National Bank of Okarche > Performance and Condition Ratios
Community National Bank of Okarche, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 4,083 |
| Cost of funding earning assets | 1.2342% | 2,715 |
| Net interest margin | 2.6665% | 3,870 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.5642% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2717% | 1,490 |
| Return on assets (ROA) | 1.2717% | 1,462 |
| Pretax return on assets | 1.2717% | 1,951 |
| Return on Equity (ROE) | 11.2300% | 2,165 |
| Retained earnings to average equity (ytd only) | 6.8159% | 1,950 |
| Net charge-offs to loans | 0.0379% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 95.6667% | 922 |
| Efficiency ratio | 55.1563% | 3,591 |
| Assets per employee ($millions) | 8.7581% | 1,084 |
| Cash dividends to net income (ytd only)* | 39.3148% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 713 |
| Loan loss allowance to noncurrent loans | 301.8051% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 2,234 |
| Noncurrent loans to loans | 0.5539% | 1,413 |
| Net loans and leases to total assets | 35.0900% | 4,181 |
| Net loans and leases to deposits | 43.1352% | 4,121 |
| Net loans and leases to core deposits | 66.8952% | 3,454 |
| Total domestic deposits to total assets | 81.3500% | 3,247 |
| Equity capital to assets | 11.9703% | 1,134 |
| Core capital (leverage) ratio | 14.9529% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $135,405,000 | 3,500 |
| Average earning assets | $131,748,200 | 3,433 |
| Average equity | $15,331,800 | 3,239 |
| Average total loans | $47,501,000 | 3,877 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,055 |
| Cost of funding earning assets | 1.0740% | 2,820 |
| Net interest margin | 2.7860% | 3,747 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.5655% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4016% | 1,316 |
| Return on assets (ROA) | 1.4016% | 1,303 |
| Pretax return on assets | 1.4016% | 1,775 |
| Return on Equity (ROE) | 12.5700% | 1,988 |
| Retained earnings to average equity (ytd only) | 7.6055% | 2,102 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.7620% | 3,694 |
| Assets per employee ($millions) | 8.1797% | 1,265 |
| Cash dividends to net income (ytd only)* | 39.4755% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 516 |
| Loan loss allowance to noncurrent loans | 58.1348% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 416 |
| Noncurrent loans to loans | 3.1936% | 126 |
| Net loans and leases to total assets | 34.4900% | 4,231 |
| Net loans and leases to deposits | 39.2546% | 4,223 |
| Net loans and leases to core deposits | 56.8887% | 3,817 |
| Total domestic deposits to total assets | 87.8700% | 1,620 |
| Equity capital to assets | 11.1007% | 1,308 |
| Core capital (leverage) ratio | 14.8124% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $134,223,750 | 3,515 |
| Average earning assets | $130,841,750 | 3,445 |
| Average equity | $14,971,250 | 3,258 |
| Average total loans | $46,874,250 | 3,898 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 4,098 |
| Cost of funding earning assets | 0.9552% | 2,754 |
| Net interest margin | 2.7837% | 3,847 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.5310% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4364% | 1,244 |
| Return on assets (ROA) | 1.4364% | 1,232 |
| Pretax return on assets | 1.4364% | 1,734 |
| Return on Equity (ROE) | 12.8600% | 1,932 |
| Retained earnings to average equity (ytd only) | 7.8180% | 2,031 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.5936% | 3,807 |
| Assets per employee ($millions) | 8.3708% | 1,152 |
| Cash dividends to net income (ytd only)* | 39.1975% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 574 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.2800% | 4,231 |
| Net loans and leases to deposits | 38.7194% | 4,241 |
| Net loans and leases to core deposits | 55.1890% | 3,838 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 11.2571% | 1,290 |
| Core capital (leverage) ratio | 14.3819% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $135,340,000 | 3,515 |
| Average earning assets | $131,909,667 | 3,447 |
| Average equity | $15,119,000 | 3,257 |
| Average total loans | $47,166,333 | 3,901 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 4,150 |
| Cost of funding earning assets | 0.8066% | 2,707 |
| Net interest margin | 2.7974% | 3,946 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.4819% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4995% | 1,187 |
| Return on assets (ROA) | 1.4995% | 1,167 |
| Pretax return on assets | 1.4995% | 1,674 |
| Return on Equity (ROE) | 13.4700% | 1,888 |
| Retained earnings to average equity (ytd only) | 8.4544% | 2,091 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.7041% | 3,962 |
| Assets per employee ($millions) | 9.0671% | 908 |
| Cash dividends to net income (ytd only)* | 37.2549% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 690 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.7000% | 4,237 |
| Net loans and leases to deposits | 39.5011% | 4,238 |
| Net loans and leases to core deposits | 54.9964% | 3,792 |
| Total domestic deposits to total assets | 87.8300% | 1,980 |
| Equity capital to assets | 11.6613% | 1,101 |
| Core capital (leverage) ratio | 14.0926% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $136,043,500 | 3,555 |
| Average earning assets | $132,408,000 | 3,486 |
| Average equity | $15,140,000 | 3,294 |
| Average total loans | $47,365,000 | 3,940 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0106% | 4,120 |
| Cost of funding earning assets | 0.2366% | 3,444 |
| Net interest margin | 2.7741% | 3,935 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.4754% | 4,449 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4495% | 1,008 |
| Return on assets (ROA) | 1.4495% | 967 |
| Pretax return on assets | 1.4495% | 1,616 |
| Return on Equity (ROE) | 12.5000% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.3153% | 2,529 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.1883% | 4,118 |
| Assets per employee ($millions) | 9.0721% | 897 |
| Cash dividends to net income (ytd only)* | 49.4908% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 622 |
| 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 | 33.6800% | 4,297 |
| Net loans and leases to deposits | 40.6445% | 4,225 |
| Net loans and leases to core deposits | 56.7337% | 3,689 |
| Total domestic deposits to total assets | 82.8700% | 3,444 |
| Equity capital to assets | 10.5966% | 1,407 |
| Core capital (leverage) ratio | 14.5620% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $135,492,800 | 3,585 |
| Average earning assets | $131,468,000 | 3,514 |
| Average equity | $15,708,000 | 3,305 |
| Average total loans | $46,362,200 | 3,956 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8924% | 4,068 |
| Cost of funding earning assets | 0.1736% | 3,582 |
| Net interest margin | 2.7188% | 3,891 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.4461% | 4,478 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4205% | 1,031 |
| Return on assets (ROA) | 1.4205% | 1,007 |
| Pretax return on assets | 1.4205% | 1,658 |
| Return on Equity (ROE) | 11.9900% | 2,035 |
| Retained earnings to average equity (ytd only) | 5.6642% | 2,869 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.1024% | 4,154 |
| Assets per employee ($millions) | 9.6366% | 722 |
| Cash dividends to net income (ytd only)* | 52.7739% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 607 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.8100% | 4,344 |
| Net loans and leases to deposits | 36.4790% | 4,349 |
| Net loans and leases to core deposits | 49.7041% | 3,970 |
| Total domestic deposits to total assets | 89.9300% | 1,695 |
| Equity capital to assets | 9.9842% | 1,633 |
| Core capital (leverage) ratio | 14.0534% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $135,345,750 | 3,604 |
| Average earning assets | $131,331,000 | 3,530 |
| Average equity | $16,030,000 | 3,313 |
| Average total loans | $46,280,750 | 3,978 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7653% | 4,036 |
| Cost of funding earning assets | 0.1525% | 3,535 |
| Net interest margin | 2.6128% | 3,881 |
| Noninterest income to average assets | 0.2495% | 3,679 |
| Noninterest expense to average assets | 1.4245% | 4,507 |
| Loan and lease loss provision to assets | 0.0295% | 2,059 |
| Net operating income to assets | 1.3241% | 1,080 |
| Return on assets (ROA) | 1.3241% | 1,059 |
| Pretax return on assets | 1.3241% | 1,665 |
| Return on Equity (ROE) | 10.6259% | 2,125 |
| Retained earnings to average equity (ytd only) | 3.8618% | 3,139 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2752% | 4,178 |
| Assets per employee ($millions) | 8.0384% | 1,283 |
| Cash dividends to net income (ytd only)* | 63.6566% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 31.6839% | 4,413 |
| Net loans and leases to deposits | 35.5973% | 4,403 |
| Net loans and leases to core deposits | 49.0212% | 3,978 |
| Total domestic deposits to total assets | 89.0065% | 2,183 |
| Equity capital to assets | 10.9196% | 1,247 |
| Core capital (leverage) ratio | 14.0531% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,490,000 | 3,642 |
| Average earning assets | $131,123,000 | 3,583 |
| Average equity | $16,883,333 | 3,331 |
| Average total loans | $46,669,667 | 4,016 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7223% | 3,897 |
| Cost of funding earning assets | 0.1529% | 3,469 |
| Net interest margin | 2.5693% | 3,738 |
| Noninterest income to average assets | 0.2491% | 3,654 |
| Noninterest expense to average assets | 1.3342% | 4,597 |
| Loan and lease loss provision to assets | 0.0296% | 1,833 |
| Net operating income to assets | 1.3757% | 843 |
| Return on assets (ROA) | 1.3757% | 837 |
| Pretax return on assets | 1.3757% | 1,311 |
| Return on Equity (ROE) | 10.3896% | 1,825 |
| Retained earnings to average equity (ytd only) | 6.1352% | 2,204 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7013% | 4,368 |
| Assets per employee ($millions) | 7.9239% | 1,416 |
| Cash dividends to net income (ytd only)* | 40.9483% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 34.5439% | 4,286 |
| Net loans and leases to deposits | 39.4632% | 4,268 |
| Net loans and leases to core deposits | 55.1620% | 3,512 |
| Total domestic deposits to total assets | 87.5344% | 2,733 |
| Equity capital to assets | 12.4129% | 830 |
| Core capital (leverage) ratio | 14.0021% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,908,500 | 3,664 |
| Average earning assets | $130,773,000 | 3,604 |
| Average equity | $17,864,000 | 3,338 |
| Average total loans | $47,929,000 | 4,012 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 3,077 |
| Cost of funding earning assets | 0.1912% | 3,549 |
| Net interest margin | 3.1513% | 2,735 |
| Noninterest income to average assets | 0.2653% | 3,793 |
| Noninterest expense to average assets | 1.4881% | 4,557 |
| Loan and lease loss provision to assets | 0.0232% | 2,602 |
| Net operating income to assets | 1.8269% | 480 |
| Return on assets (ROA) | 1.8269% | 501 |
| Pretax return on assets | 1.8269% | 862 |
| Return on Equity (ROE) | 12.4748% | 1,662 |
| Retained earnings to average equity (ytd only) | 7.3835% | 1,766 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5783% | 4,550 |
| Assets per employee ($millions) | 9.0073% | 918 |
| Cash dividends to net income (ytd only)* | 40.8129% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 1,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.2653% | 4,320 |
| Net loans and leases to deposits | 45.2738% | 4,130 |
| Net loans and leases to core deposits | 63.5904% | 3,022 |
| Total domestic deposits to total assets | 77.8936% | 4,404 |
| Equity capital to assets | 14.0678% | 650 |
| Core capital (leverage) ratio | 15.4919% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,293,400 | 3,690 |
| Average earning assets | $126,075,000 | 3,616 |
| Average equity | $18,934,200 | 3,306 |
| Average total loans | $47,957,400 | 4,039 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4001% | 3,102 |
| Cost of funding earning assets | 0.2021% | 3,582 |
| Net interest margin | 3.1979% | 2,736 |
| Noninterest income to average assets | 0.2670% | 3,808 |
| Noninterest expense to average assets | 1.4956% | 4,597 |
| Loan and lease loss provision to assets | 0.0313% | 2,371 |
| Net operating income to assets | 1.8585% | 598 |
| Return on assets (ROA) | 1.8585% | 622 |
| Pretax return on assets | 1.8585% | 1,028 |
| Return on Equity (ROE) | 12.5605% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.2529% | 2,331 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1774% | 4,579 |
| Assets per employee ($millions) | 8.6809% | 993 |
| Cash dividends to net income (ytd only)* | 42.2559% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 33.5755% | 4,485 |
| Net loans and leases to deposits | 41.7219% | 4,387 |
| Net loans and leases to core deposits | 58.1522% | 3,617 |
| Total domestic deposits to total assets | 80.4744% | 4,169 |
| Equity capital to assets | 14.8156% | 567 |
| Core capital (leverage) ratio | 13.9709% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,839,250 | 3,741 |
| Average earning assets | $124,660,500 | 3,669 |
| Average equity | $18,916,000 | 3,346 |
| Average total loans | $47,826,500 | 4,097 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4250% | 3,099 |
| Cost of funding earning assets | 0.2161% | 3,590 |
| Net interest margin | 3.2089% | 2,728 |
| Noninterest income to average assets | 0.2739% | 3,763 |
| Noninterest expense to average assets | 1.4861% | 4,631 |
| Loan and lease loss provision to assets | 0.0315% | 2,352 |
| Net operating income to assets | 1.8891% | 608 |
| Return on assets (ROA) | 1.8891% | 631 |
| Pretax return on assets | 1.8891% | 1,047 |
| Return on Equity (ROE) | 12.7723% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.8438% | 2,489 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6229% | 4,633 |
| Assets per employee ($millions) | 7.7159% | 1,353 |
| Cash dividends to net income (ytd only)* | 46.4167% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 1,092 |
| Loan loss allowance to noncurrent loans | 490.4762% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 3,381 |
| Noncurrent loans to loans | 0.3439% | 2,673 |
| Net loans and leases to total assets | 36.6151% | 4,441 |
| Net loans and leases to deposits | 44.6257% | 4,364 |
| Net loans and leases to core deposits | 62.0212% | 3,460 |
| Total domestic deposits to total assets | 82.0492% | 3,915 |
| Equity capital to assets | 14.4439% | 630 |
| Core capital (leverage) ratio | 13.6756% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,047,667 | 3,761 |
| Average earning assets | $124,029,333 | 3,689 |
| Average equity | $18,790,667 | 3,353 |
| Average total loans | $48,917,333 | 4,104 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 1,167 |
| Cost of funding earning assets | 0.2392% | 3,569 |
| Net interest margin | 3.9779% | 871 |
| Noninterest income to average assets | 0.2813% | 3,713 |
| Noninterest expense to average assets | 1.5058% | 4,643 |
| Loan and lease loss provision to assets | 0.0320% | 2,350 |
| Net operating income to assets | 2.6248% | 216 |
| Return on assets (ROA) | 2.6248% | 240 |
| Pretax return on assets | 2.6248% | 367 |
| Return on Equity (ROE) | 17.4282% | 789 |
| Retained earnings to average equity (ytd only) | 13.6072% | 798 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1751% | 4,844 |
| Assets per employee ($millions) | 8.5997% | 954 |
| Cash dividends to net income (ytd only)* | 21.9245% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.6441% | 4,475 |
| Net loans and leases to deposits | 42.9921% | 4,462 |
| Net loans and leases to core deposits | 62.5997% | 3,533 |
| Total domestic deposits to total assets | 85.2343% | 3,017 |
| Equity capital to assets | 14.7021% | 544 |
| Core capital (leverage) ratio | 14.3394% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,116,500 | 3,801 |
| Average earning assets | $122,074,500 | 3,717 |
| Average equity | $18,843,000 | 3,344 |
| Average total loans | $48,950,000 | 4,125 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 3,788 |
| Cost of funding earning assets | 0.4444% | 3,316 |
| Net interest margin | 3.1654% | 3,449 |
| Noninterest income to average assets | 0.2784% | 3,813 |
| Noninterest expense to average assets | 1.5231% | 4,762 |
| Loan and lease loss provision to assets | 0.0829% | 3,341 |
| Net operating income to assets | 1.7592% | 424 |
| Return on assets (ROA) | 1.7592% | 459 |
| Pretax return on assets | 1.7592% | 747 |
| Return on Equity (ROE) | 12.0038% | 1,318 |
| Retained earnings to average equity (ytd only) | 6.5532% | 1,568 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2598% | 4,746 |
| Assets per employee ($millions) | 8.0825% | 1,013 |
| Cash dividends to net income (ytd only)* | 45.4074% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 1,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 40.4271% | 4,424 |
| Net loans and leases to deposits | 48.5465% | 4,374 |
| Net loans and leases to core deposits | 71.9119% | 3,082 |
| Total domestic deposits to total assets | 83.2750% | 3,339 |
| Equity capital to assets | 15.4415% | 495 |
| Core capital (leverage) ratio | 14.3035% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,677,400 | 3,739 |
| Average earning assets | $117,678,600 | 3,652 |
| Average equity | $17,686,000 | 3,399 |
| Average total loans | $51,680,400 | 4,076 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 3,716 |
| Cost of funding earning assets | 0.4876% | 3,310 |
| Net interest margin | 3.2456% | 3,347 |
| Noninterest income to average assets | 0.2865% | 3,774 |
| Noninterest expense to average assets | 1.5066% | 4,796 |
| Loan and lease loss provision to assets | 0.0772% | 3,357 |
| Net operating income to assets | 1.8683% | 392 |
| Return on assets (ROA) | 1.8683% | 436 |
| Pretax return on assets | 1.8683% | 680 |
| Return on Equity (ROE) | 12.9220% | 1,132 |
| Retained earnings to average equity (ytd only) | 6.9238% | 1,732 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6399% | 4,804 |
| Assets per employee ($millions) | 8.1661% | 943 |
| Cash dividends to net income (ytd only)* | 46.4180% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 41.1042% | 4,529 |
| Net loans and leases to deposits | 50.1165% | 4,483 |
| Net loans and leases to core deposits | 72.1167% | 3,462 |
| Total domestic deposits to total assets | 82.0175% | 3,414 |
| Equity capital to assets | 15.0778% | 619 |
| Core capital (leverage) ratio | 13.8741% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,537,250 | 3,732 |
| Average earning assets | $117,572,500 | 3,638 |
| Average equity | $17,427,250 | 3,427 |
| Average total loans | $52,146,250 | 4,089 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 3,603 |
| Cost of funding earning assets | 0.5355% | 3,315 |
| Net interest margin | 3.3685% | 3,196 |
| Noninterest income to average assets | 0.2853% | 3,752 |
| Noninterest expense to average assets | 1.4797% | 4,860 |
| Loan and lease loss provision to assets | 0.0667% | 3,462 |
| Net operating income to assets | 2.0236% | 316 |
| Return on assets (ROA) | 2.0236% | 350 |
| Pretax return on assets | 2.0236% | 517 |
| Return on Equity (ROE) | 14.2037% | 852 |
| Retained earnings to average equity (ytd only) | 7.2600% | 1,551 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4486% | 4,874 |
| Assets per employee ($millions) | 8.4681% | 816 |
| Cash dividends to net income (ytd only)* | 48.8871% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,356 |
| Noncurrent loans to loans | 0.0900% | 4,102 |
| Net loans and leases to total assets | 41.3955% | 4,551 |
| Net loans and leases to deposits | 49.4122% | 4,554 |
| Net loans and leases to core deposits | 69.1637% | 3,761 |
| Total domestic deposits to total assets | 83.7759% | 2,825 |
| Equity capital to assets | 14.2425% | 797 |
| Core capital (leverage) ratio | 13.8375% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,886,000 | 3,724 |
| Average earning assets | $116,908,000 | 3,637 |
| Average equity | $17,080,000 | 3,464 |
| Average total loans | $52,487,000 | 4,095 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 4,174 |
| Cost of funding earning assets | 0.6000% | 3,437 |
| Net interest margin | 3.2294% | 3,786 |
| Noninterest income to average assets | 0.3336% | 3,531 |
| Noninterest expense to average assets | 1.5096% | 4,916 |
| Loan and lease loss provision to assets | 0.0688% | 2,893 |
| Net operating income to assets | 1.9017% | 338 |
| Return on assets (ROA) | 1.9017% | 370 |
| Pretax return on assets | 1.9017% | 568 |
| Return on Equity (ROE) | 13.3458% | 815 |
| Retained earnings to average equity (ytd only) | 9.0983% | 950 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3794% | 4,900 |
| Assets per employee ($millions) | 7.7957% | 802 |
| Cash dividends to net income (ytd only)* | 31.8264% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,709 |
| Loan loss allowance to noncurrent loans | 1,508.3333% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,406 |
| Noncurrent loans to loans | 0.0927% | 4,137 |
| Net loans and leases to total assets | 43.6410% | 4,520 |
| Net loans and leases to deposits | 50.9291% | 4,563 |
| Net loans and leases to core deposits | 71.7225% | 3,771 |
| Total domestic deposits to total assets | 85.6896% | 2,133 |
| Equity capital to assets | 14.1830% | 1,003 |
| Core capital (leverage) ratio | 14.1825% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,318,500 | 3,759 |
| Average earning assets | $113,332,500 | 3,658 |
| Average equity | $16,574,500 | 3,510 |
| Average total loans | $52,068,000 | 4,112 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 4,590 |
| Cost of funding earning assets | 0.6330% | 3,496 |
| Net interest margin | 3.1457% | 4,294 |
| Noninterest income to average assets | 0.2949% | 3,923 |
| Noninterest expense to average assets | 1.5479% | 4,982 |
| Loan and lease loss provision to assets | 0.0341% | 3,329 |
| Net operating income to assets | 1.7584% | 582 |
| Return on assets (ROA) | 1.7644% | 607 |
| Pretax return on assets | 1.7644% | 1,034 |
| Return on Equity (ROE) | 13.2475% | 1,098 |
| Retained earnings to average equity (ytd only) | 7.6029% | 1,118 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3384% | 4,899 |
| Assets per employee ($millions) | 7.7134% | 795 |
| Cash dividends to net income (ytd only)* | 42.6087% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,729 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 4,430 |
| Noncurrent loans to loans | 0.0916% | 4,160 |
| Net loans and leases to total assets | 44.6634% | 4,573 |
| Net loans and leases to deposits | 55.4416% | 4,480 |
| Net loans and leases to core deposits | 79.8850% | 3,298 |
| Total domestic deposits to total assets | 80.5594% | 3,864 |
| Equity capital to assets | 14.3162% | 990 |
| Core capital (leverage) ratio | 13.9816% | 934 |
| Tier 1 risk-based capital ratio | 24.7497% | 769 |
| Total risk-based capital ratio | 26.5139% | 714 |
| Memoranda: | ||
| Average total assets | $117,320,000 | 3,742 |
| Average earning assets | $113,585,200 | 3,657 |
| Average equity | $15,625,600 | 3,580 |
| Average total loans | $49,043,400 | 4,203 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,696 |
| Cost of funding earning assets | 0.6161% | 3,609 |
| Net interest margin | 3.1637% | 4,374 |
| Noninterest income to average assets | 0.3001% | 3,942 |
| Noninterest expense to average assets | 1.5471% | 5,045 |
| Loan and lease loss provision to assets | 0.0340% | 3,220 |
| Net operating income to assets | 1.7781% | 641 |
| Return on assets (ROA) | 1.7770% | 677 |
| Pretax return on assets | 1.7770% | 1,145 |
| Return on Equity (ROE) | 13.5920% | 1,083 |
| Retained earnings to average equity (ytd only) | 7.4847% | 1,633 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0553% | 4,935 |
| Assets per employee ($millions) | 7.7511% | 759 |
| Cash dividends to net income (ytd only)* | 44.9332% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 41.0650% | 4,778 |
| Net loans and leases to deposits | 50.4784% | 4,764 |
| Net loans and leases to core deposits | 73.4064% | 3,863 |
| Total domestic deposits to total assets | 81.3515% | 3,650 |
| Equity capital to assets | 13.9317% | 1,176 |
| Core capital (leverage) ratio | 13.4893% | 1,139 |
| Tier 1 risk-based capital ratio | 25.3523% | 752 |
| Total risk-based capital ratio | 27.1131% | 700 |
| Memoranda: | ||
| Average total assets | $117,724,750 | 3,777 |
| Average earning assets | $113,829,500 | 3,683 |
| Average equity | $15,391,000 | 3,637 |
| Average total loans | $48,209,250 | 4,272 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,774 |
| Cost of funding earning assets | 0.5967% | 3,664 |
| Net interest margin | 3.1521% | 4,450 |
| Noninterest income to average assets | 0.3028% | 3,905 |
| Noninterest expense to average assets | 1.5312% | 5,104 |
| Loan and lease loss provision to assets | 0.0338% | 3,152 |
| Net operating income to assets | 1.7765% | 626 |
| Return on assets (ROA) | 1.7765% | 645 |
| Pretax return on assets | 1.7765% | 1,095 |
| Return on Equity (ROE) | 13.8871% | 1,008 |
| Retained earnings to average equity (ytd only) | 6.8906% | 1,860 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8228% | 4,996 |
| Assets per employee ($millions) | 8.0257% | 665 |
| Cash dividends to net income (ytd only)* | 50.3810% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 39.4734% | 4,860 |
| Net loans and leases to deposits | 46.1046% | 4,895 |
| Net loans and leases to core deposits | 64.6566% | 4,380 |
| Total domestic deposits to total assets | 85.6170% | 2,213 |
| Equity capital to assets | 13.1769% | 1,504 |
| Core capital (leverage) ratio | 13.2847% | 1,191 |
| Tier 1 risk-based capital ratio | 24.6302% | 792 |
| Total risk-based capital ratio | 26.3739% | 729 |
| Memoranda: | ||
| Average total assets | $118,210,670 | 3,791 |
| Average earning assets | $113,954,670 | 3,704 |
| Average equity | $15,122,000 | 3,670 |
| Average total loans | $48,132,670 | 4,300 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,745 |
| Cost of funding earning assets | 0.5917% | 3,620 |
| Net interest margin | 3.1819% | 4,423 |
| Noninterest income to average assets | 0.3176% | 3,734 |
| Noninterest expense to average assets | 1.5642% | 5,126 |
| Loan and lease loss provision to assets | 0.0342% | 2,946 |
| Net operating income to assets | 1.7861% | 597 |
| Return on assets (ROA) | 1.7861% | 616 |
| Pretax return on assets | 1.7861% | 1,008 |
| Return on Equity (ROE) | 14.1816% | 928 |
| Retained earnings to average equity (ytd only) | 9.4092% | 1,189 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2159% | 5,021 |
| Assets per employee ($millions) | 7.8174% | 717 |
| Cash dividends to net income (ytd only)* | 33.6520% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 1,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 40.4576% | 4,877 |
| Net loans and leases to deposits | 46.5085% | 4,915 |
| Net loans and leases to core deposits | 64.7827% | 4,337 |
| Total domestic deposits to total assets | 86.9897% | 1,821 |
| Equity capital to assets | 12.9011% | 1,510 |
| Core capital (leverage) ratio | 13.2040% | 1,185 |
| Tier 1 risk-based capital ratio | 24.1920% | 826 |
| Total risk-based capital ratio | 25.0218% | 838 |
| Memoranda: | ||
| Average total assets | $117,123,500 | 3,849 |
| Average earning assets | $112,890,000 | 3,772 |
| Average equity | $14,751,500 | 3,717 |
| Average total loans | $48,097,000 | 4,350 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 4,676 |
| Cost of funding earning assets | 0.4040% | 3,963 |
| Net interest margin | 3.2897% | 4,280 |
| Noninterest income to average assets | 0.3468% | 3,792 |
| Noninterest expense to average assets | 1.6339% | 5,144 |
| Loan and lease loss provision to assets | 0.0364% | 3,470 |
| Net operating income to assets | 1.8633% | 488 |
| Return on assets (ROA) | 1.8633% | 488 |
| Pretax return on assets | 1.8633% | 789 |
| Return on Equity (ROE) | 14.9578% | 841 |
| Retained earnings to average equity (ytd only) | 8.5128% | 1,042 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2391% | 5,113 |
| Assets per employee ($millions) | 7.7991% | 705 |
| Cash dividends to net income (ytd only)* | 43.0874% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 40.5305% | 4,925 |
| Net loans and leases to deposits | 50.7118% | 4,865 |
| Net loans and leases to core deposits | 67.6034% | 4,259 |
| Total domestic deposits to total assets | 79.9232% | 4,123 |
| Equity capital to assets | 12.2878% | 1,704 |
| Core capital (leverage) ratio | 13.3433% | 1,133 |
| Tier 1 risk-based capital ratio | 24.0307% | 824 |
| Total risk-based capital ratio | 25.0994% | 820 |
| Memoranda: | ||
| Average total assets | $109,860,000 | 3,947 |
| Average earning assets | $106,423,000 | 3,868 |
| Average equity | $13,685,200 | 3,787 |
| Average total loans | $46,340,200 | 4,392 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,675 |
| Cost of funding earning assets | 0.3675% | 4,068 |
| Net interest margin | 3.3202% | 4,221 |
| Noninterest income to average assets | 0.3639% | 3,701 |
| Noninterest expense to average assets | 1.6494% | 5,173 |
| Loan and lease loss provision to assets | 0.0370% | 3,266 |
| Net operating income to assets | 1.8986% | 488 |
| Return on assets (ROA) | 1.8986% | 485 |
| Pretax return on assets | 1.8986% | 821 |
| Return on Equity (ROE) | 15.1853% | 838 |
| Retained earnings to average equity (ytd only) | 8.2290% | 1,544 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0083% | 5,147 |
| Assets per employee ($millions) | 7.2545% | 854 |
| Cash dividends to net income (ytd only)* | 45.8091% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 42.0054% | 4,963 |
| Net loans and leases to deposits | 49.0614% | 4,981 |
| Net loans and leases to core deposits | 65.4988% | 4,429 |
| Total domestic deposits to total assets | 85.6181% | 2,348 |
| Equity capital to assets | 12.5569% | 1,548 |
| Core capital (leverage) ratio | 13.3466% | 1,155 |
| Tier 1 risk-based capital ratio | 24.9893% | 757 |
| Total risk-based capital ratio | 26.1087% | 746 |
| Memoranda: | ||
| Average total assets | $108,078,500 | 4,014 |
| Average earning assets | $104,852,000 | 3,941 |
| Average equity | $13,512,750 | 3,840 |
| Average total loans | $45,905,500 | 4,455 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 4,697 |
| Cost of funding earning assets | 0.3547% | 4,044 |
| Net interest margin | 3.2882% | 4,285 |
| Noninterest income to average assets | 0.3802% | 3,621 |
| Noninterest expense to average assets | 1.6414% | 5,240 |
| Loan and lease loss provision to assets | 0.0371% | 3,166 |
| Net operating income to assets | 1.8826% | 489 |
| Return on assets (ROA) | 1.8826% | 484 |
| Pretax return on assets | 1.8826% | 810 |
| Return on Equity (ROE) | 15.0791% | 830 |
| Retained earnings to average equity (ytd only) | 7.2053% | 1,974 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0938% | 5,205 |
| Assets per employee ($millions) | 6.8916% | 967 |
| Cash dividends to net income (ytd only)* | 52.2167% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 1,642 |
| 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 | 40.2572% | 5,049 |
| Net loans and leases to deposits | 46.9065% | 5,062 |
| Net loans and leases to core deposits | 62.6473% | 4,577 |
| Total domestic deposits to total assets | 85.8243% | 2,356 |
| Equity capital to assets | 12.2658% | 1,688 |
| Core capital (leverage) ratio | 12.9813% | 1,221 |
| Tier 1 risk-based capital ratio | 24.3682% | 802 |
| Total risk-based capital ratio | 25.4694% | 789 |
| Memoranda: | ||
| Average total assets | $107,832,330 | 4,052 |
| Average earning assets | $104,313,000 | 3,979 |
| Average equity | $13,462,330 | 3,876 |
| Average total loans | $45,753,000 | 4,501 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 4,827 |
| Cost of funding earning assets | 0.3242% | 4,177 |
| Net interest margin | 3.2034% | 4,443 |
| Noninterest income to average assets | 0.4052% | 3,422 |
| Noninterest expense to average assets | 1.6320% | 5,305 |
| Loan and lease loss provision to assets | 0.0375% | 2,997 |
| Net operating income to assets | 1.8496% | 512 |
| Return on assets (ROA) | 1.8496% | 514 |
| Pretax return on assets | 1.8496% | 826 |
| Return on Equity (ROE) | 14.6825% | 863 |
| Retained earnings to average equity (ytd only) | 9.4408% | 1,317 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3753% | 5,254 |
| Assets per employee ($millions) | 6.7070% | 1,087 |
| Cash dividends to net income (ytd only)* | 35.6998% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,103 |
| 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 | 43.8441% | 4,906 |
| Net loans and leases to deposits | 52.7596% | 4,847 |
| Net loans and leases to core deposits | 70.7062% | 4,047 |
| Total domestic deposits to total assets | 83.1016% | 3,634 |
| Equity capital to assets | 12.5075% | 1,482 |
| Core capital (leverage) ratio | 13.2699% | 1,082 |
| Tier 1 risk-based capital ratio | 23.4313% | 901 |
| Total risk-based capital ratio | 24.4863% | 892 |
| Memoranda: | ||
| Average total assets | $106,615,500 | 4,112 |
| Average earning assets | $103,639,500 | 4,037 |
| Average equity | $13,431,000 | 3,910 |
| Average total loans | $46,112,500 | 4,536 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 4,700 |
| Cost of funding earning assets | 0.3012% | 4,129 |
| Net interest margin | 3.2452% | 4,318 |
| Noninterest income to average assets | 0.4050% | 3,608 |
| Noninterest expense to average assets | 1.7504% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7900% | 430 |
| Return on assets (ROA) | 1.7972% | 432 |
| Pretax return on assets | 1.7972% | 797 |
| Return on Equity (ROE) | 13.2748% | 890 |
| Retained earnings to average equity (ytd only) | 6.6449% | 1,211 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4395% | 5,249 |
| Assets per employee ($millions) | 7.0613% | 944 |
| Cash dividends to net income (ytd only)* | 49.9434% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,765 |
| 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 | 41.4628% | 5,083 |
| Net loans and leases to deposits | 52.3694% | 4,968 |
| Net loans and leases to core deposits | 69.8581% | 4,182 |
| Total domestic deposits to total assets | 79.1737% | 4,504 |
| Equity capital to assets | 12.6889% | 1,415 |
| Core capital (leverage) ratio | 12.9511% | 1,162 |
| Tier 1 risk-based capital ratio | 24.0207% | 815 |
| Total risk-based capital ratio | 25.1095% | 811 |
| Memoranda: | ||
| Average total assets | $98,266,000 | 4,270 |
| Average earning assets | $94,938,800 | 4,182 |
| Average equity | $13,303,400 | 3,944 |
| Average total loans | $40,750,000 | 4,712 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5086% | 4,796 |
| Cost of funding earning assets | 0.2695% | 4,414 |
| Net interest margin | 3.2392% | 4,361 |
| Noninterest income to average assets | 0.4207% | 3,557 |
| Noninterest expense to average assets | 1.7768% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7712% | 495 |
| Return on assets (ROA) | 1.7768% | 500 |
| Pretax return on assets | 1.7768% | 931 |
| Return on Equity (ROE) | 12.9017% | 1,080 |
| Retained earnings to average equity (ytd only) | 5.8178% | 2,367 |
| Net charge-offs to loans | -0.0033% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0780% | 5,244 |
| Assets per employee ($millions) | 6.4614% | 1,210 |
| Cash dividends to net income (ytd only)* | 54.9067% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,540 |
| Loan loss allowance to noncurrent loans | 206.2706% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 3,892 |
| Noncurrent loans to loans | 0.7264% | 2,540 |
| Net loans and leases to total assets | 39.7429% | 5,207 |
| Net loans and leases to deposits | 52.7548% | 5,012 |
| Net loans and leases to core deposits | 70.8714% | 4,197 |
| Total domestic deposits to total assets | 75.3352% | 5,094 |
| Equity capital to assets | 13.2073% | 1,290 |
| Core capital (leverage) ratio | 13.3811% | 1,069 |
| Tier 1 risk-based capital ratio | 24.0740% | 847 |
| Total risk-based capital ratio | 25.1918% | 838 |
| Memoranda: | ||
| Average total assets | $96,352,750 | 4,342 |
| Average earning assets | $93,025,750 | 4,255 |
| Average equity | $13,269,250 | 3,988 |
| Average total loans | $39,802,250 | 4,789 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5210% | 4,713 |
| Cost of funding earning assets | 0.2427% | 4,616 |
| Net interest margin | 3.2784% | 4,177 |
| Noninterest income to average assets | 0.4446% | 3,388 |
| Noninterest expense to average assets | 1.8190% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7871% | 462 |
| Return on assets (ROA) | 1.7934% | 471 |
| Pretax return on assets | 1.7934% | 857 |
| Return on Equity (ROE) | 12.8301% | 1,081 |
| Retained earnings to average equity (ytd only) | 4.7942% | 2,854 |
| Net charge-offs to loans | -0.0051% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4425% | 5,280 |
| Assets per employee ($millions) | 6.2281% | 1,298 |
| Cash dividends to net income (ytd only)* | 62.6335% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,311 |
| 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 | 39.0461% | 5,254 |
| Net loans and leases to deposits | 46.7544% | 5,262 |
| Net loans and leases to core deposits | 62.4914% | 4,693 |
| Total domestic deposits to total assets | 83.5131% | 3,399 |
| Equity capital to assets | 13.4964% | 1,144 |
| Core capital (leverage) ratio | 13.3470% | 1,037 |
| Tier 1 risk-based capital ratio | 24.5997% | 798 |
| Total risk-based capital ratio | 25.7648% | 779 |
| Memoranda: | ||
| Average total assets | $94,009,670 | 4,414 |
| Average earning assets | $90,655,000 | 4,340 |
| Average equity | $13,141,000 | 4,018 |
| Average total loans | $39,165,670 | 4,842 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 4,753 |
| Cost of funding earning assets | 0.2310% | 4,707 |
| Net interest margin | 3.2470% | 4,198 |
| Noninterest income to average assets | 0.5001% | 2,979 |
| Noninterest expense to average assets | 1.8730% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7721% | 472 |
| Return on assets (ROA) | 1.7721% | 484 |
| Pretax return on assets | 1.7721% | 856 |
| Return on Equity (ROE) | 12.4432% | 1,125 |
| Retained earnings to average equity (ytd only) | 7.0224% | 1,841 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3839% | 5,297 |
| Assets per employee ($millions) | 5.5982% | 1,805 |
| Cash dividends to net income (ytd only)* | 43.5644% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 1,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.2663% | 5,240 |
| Net loans and leases to deposits | 48.2802% | 5,207 |
| Net loans and leases to core deposits | 65.8867% | 4,431 |
| Total domestic deposits to total assets | 83.4011% | 3,702 |
| Equity capital to assets | 13.8543% | 951 |
| Core capital (leverage) ratio | 14.2550% | 774 |
| Tier 1 risk-based capital ratio | 25.0900% | 764 |
| Total risk-based capital ratio | 26.2843% | 751 |
| Memoranda: | ||
| Average total assets | $91,190,000 | 4,517 |
| Average earning assets | $88,327,500 | 4,437 |
| Average equity | $12,987,000 | 4,062 |
| Average total loans | $38,981,500 | 4,887 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 4,236 |
| Cost of funding earning assets | 0.2365% | 4,686 |
| Net interest margin | 3.4547% | 3,606 |
| Noninterest income to average assets | 0.4396% | 3,621 |
| Noninterest expense to average assets | 1.8869% | 5,378 |
| Loan and lease loss provision to assets | 0.0451% | 3,484 |
| Net operating income to assets | 1.8340% | 418 |
| Return on assets (ROA) | 1.8340% | 435 |
| Pretax return on assets | 1.8340% | 730 |
| Return on Equity (ROE) | 12.6755% | 1,073 |
| Retained earnings to average equity (ytd only) | 5.7885% | 1,833 |
| Net charge-offs to loans | -0.0097% | 4,933 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1048% | 5,481 |
| Assets per employee ($millions) | 5.4507% | 1,903 |
| Cash dividends to net income (ytd only)* | 54.3331% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,379 |
| 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 | 44.0243% | 5,118 |
| Net loans and leases to deposits | 55.4082% | 4,949 |
| Net loans and leases to core deposits | 70.6603% | 4,188 |
| Total domestic deposits to total assets | 79.4544% | 4,686 |
| Equity capital to assets | 14.6644% | 697 |
| Core capital (leverage) ratio | 14.8707% | 621 |
| Tier 1 risk-based capital ratio | 25.2529% | 749 |
| Total risk-based capital ratio | 26.4762% | 737 |
| Memoranda: | ||
| Average total assets | $88,714,800 | 4,568 |
| Average earning assets | $85,420,800 | 4,488 |
| Average equity | $12,835,800 | 4,114 |
| Average total loans | $41,438,400 | 4,832 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,076 |
| Cost of funding earning assets | 0.2364% | 4,737 |
| Net interest margin | 3.5149% | 3,414 |
| Noninterest income to average assets | 0.4490% | 3,567 |
| Noninterest expense to average assets | 1.8827% | 5,411 |
| Loan and lease loss provision to assets | 0.0599% | 3,059 |
| Net operating income to assets | 1.8887% | 409 |
| Return on assets (ROA) | 1.8887% | 431 |
| Pretax return on assets | 1.8887% | 722 |
| Return on Equity (ROE) | 13.0969% | 1,024 |
| Retained earnings to average equity (ytd only) | 5.7494% | 2,327 |
| Net charge-offs to loans | -0.0127% | 4,859 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1406% | 5,548 |
| Assets per employee ($millions) | 5.4074% | 1,944 |
| Cash dividends to net income (ytd only)* | 56.1018% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,628 |
| 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 | 46.0569% | 5,092 |
| Net loans and leases to deposits | 58.9747% | 4,821 |
| Net loans and leases to core deposits | 74.7169% | 3,948 |
| Total domestic deposits to total assets | 78.0961% | 4,895 |
| Equity capital to assets | 15.1389% | 706 |
| Core capital (leverage) ratio | 14.3382% | 766 |
| Tier 1 risk-based capital ratio | 24.1109% | 894 |
| Total risk-based capital ratio | 25.2964% | 878 |
| Memoranda: | ||
| Average total assets | $89,090,750 | 4,603 |
| Average earning assets | $85,727,500 | 4,513 |
| Average equity | $12,847,500 | 4,148 |
| Average total loans | $42,043,500 | 4,855 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,031 |
| Cost of funding earning assets | 0.2362% | 4,789 |
| Net interest margin | 3.5414% | 3,320 |
| Noninterest income to average assets | 0.4447% | 3,565 |
| Noninterest expense to average assets | 1.8544% | 5,530 |
| Loan and lease loss provision to assets | 0.0445% | 3,262 |
| Net operating income to assets | 1.9456% | 363 |
| Return on assets (ROA) | 1.9456% | 383 |
| Pretax return on assets | 1.9456% | 640 |
| Return on Equity (ROE) | 13.7104% | 880 |
| Retained earnings to average equity (ytd only) | 5.3588% | 2,512 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2360% | 5,655 |
| Assets per employee ($millions) | 5.7647% | 1,573 |
| Cash dividends to net income (ytd only)* | 60.9143% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 2,151 |
| 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 | 44.7954% | 5,186 |
| Net loans and leases to deposits | 57.0850% | 4,947 |
| Net loans and leases to core deposits | 70.8587% | 4,262 |
| Total domestic deposits to total assets | 78.4713% | 4,900 |
| Equity capital to assets | 14.0749% | 999 |
| Core capital (leverage) ratio | 14.0637% | 802 |
| Tier 1 risk-based capital ratio | 22.8525% | 1,029 |
| Total risk-based capital ratio | 23.9512% | 1,031 |
| Memoranda: | ||
| Average total assets | $89,948,000 | 4,618 |
| Average earning assets | $86,350,000 | 4,535 |
| Average equity | $12,764,000 | 4,188 |
| Average total loans | $42,567,330 | 4,879 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 3,626 |
| Cost of funding earning assets | 0.2386% | 4,823 |
| Net interest margin | 3.6494% | 2,890 |
| Noninterest income to average assets | 0.4549% | 3,451 |
| Noninterest expense to average assets | 1.8558% | 5,581 |
| Loan and lease loss provision to assets | 0.0450% | 3,024 |
| Net operating income to assets | 2.0675% | 297 |
| Return on assets (ROA) | 2.0675% | 308 |
| Pretax return on assets | 2.0675% | 498 |
| Return on Equity (ROE) | 14.5081% | 744 |
| Retained earnings to average equity (ytd only) | 8.8186% | 1,170 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7650% | 5,781 |
| Assets per employee ($millions) | 6.3979% | 1,166 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,635 |
| 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 | 47.9820% | 4,967 |
| Net loans and leases to deposits | 61.8958% | 4,581 |
| Net loans and leases to core deposits | 77.3528% | 3,563 |
| Total domestic deposits to total assets | 77.5206% | 5,214 |
| Equity capital to assets | 14.3607% | 866 |
| Core capital (leverage) ratio | 13.9356% | 826 |
| Tier 1 risk-based capital ratio | 22.5501% | 1,085 |
| Total risk-based capital ratio | 23.6216% | 1,084 |
| Memoranda: | ||
| Average total assets | $88,804,500 | 4,681 |
| Average earning assets | $85,493,000 | 4,586 |
| Average equity | $12,655,000 | 4,215 |
| Average total loans | $42,892,500 | 4,906 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,432 |
| Cost of funding earning assets | 0.2192% | 5,102 |
| Net interest margin | 3.4584% | 3,679 |
| Noninterest income to average assets | 0.4665% | 3,551 |
| Noninterest expense to average assets | 1.9349% | 5,571 |
| Loan and lease loss provision to assets | 0.0468% | 3,388 |
| Net operating income to assets | 1.8051% | 481 |
| Return on assets (ROA) | 1.8063% | 490 |
| Pretax return on assets | 1.8063% | 797 |
| Return on Equity (ROE) | 12.7022% | 1,127 |
| Retained earnings to average equity (ytd only) | 5.4509% | 2,104 |
| Net charge-offs to loans | -0.0051% | 4,984 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0960% | 5,697 |
| Assets per employee ($millions) | 5.5024% | 1,801 |
| Cash dividends to net income (ytd only)* | 57.0874% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 2,538 |
| Loan loss allowance to noncurrent loans | 214.0221% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 4,368 |
| Noncurrent loans to loans | 0.6419% | 3,264 |
| Net loans and leases to total assets | 47.2944% | 5,072 |
| Net loans and leases to deposits | 62.8170% | 4,561 |
| Net loans and leases to core deposits | 75.5169% | 3,798 |
| Total domestic deposits to total assets | 75.2891% | 5,523 |
| Equity capital to assets | 14.1382% | 885 |
| Core capital (leverage) ratio | 14.3036% | 757 |
| Tier 1 risk-based capital ratio | 22.2932% | 1,110 |
| Total risk-based capital ratio | 23.3585% | 1,105 |
| Memoranda: | ||
| Average total assets | $85,533,200 | 4,754 |
| Average earning assets | $82,118,000 | 4,674 |
| Average equity | $12,163,200 | 4,277 |
| Average total loans | $39,114,400 | 5,049 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 4,449 |
| Cost of funding earning assets | 0.2190% | 5,198 |
| Net interest margin | 3.4713% | 3,656 |
| Noninterest income to average assets | 0.4742% | 3,543 |
| Noninterest expense to average assets | 1.9315% | 5,594 |
| Loan and lease loss provision to assets | 0.0471% | 3,261 |
| Net operating income to assets | 1.8310% | 486 |
| Return on assets (ROA) | 1.8310% | 507 |
| Pretax return on assets | 1.8310% | 837 |
| Return on Equity (ROE) | 12.8564% | 1,162 |
| Retained earnings to average equity (ytd only) | 5.0168% | 2,903 |
| Net charge-offs to loans | -0.0104% | 5,000 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7007% | 5,740 |
| Assets per employee ($millions) | 5.5919% | 1,694 |
| Cash dividends to net income (ytd only)* | 60.9779% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,289 |
| 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 | 45.6711% | 5,250 |
| Net loans and leases to deposits | 60.0891% | 4,851 |
| Net loans and leases to core deposits | 72.5159% | 4,150 |
| Total domestic deposits to total assets | 76.0056% | 5,481 |
| Equity capital to assets | 14.7810% | 789 |
| Core capital (leverage) ratio | 14.0147% | 860 |
| Tier 1 risk-based capital ratio | 23.4418% | 1,007 |
| Total risk-based capital ratio | 24.5638% | 1,006 |
| Memoranda: | ||
| Average total assets | $84,907,000 | 4,823 |
| Average earning assets | $81,580,500 | 4,743 |
| Average equity | $12,092,250 | 4,340 |
| Average total loans | $38,338,750 | 5,128 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,505 |
| Cost of funding earning assets | 0.2179% | 5,283 |
| Net interest margin | 3.4526% | 3,695 |
| Noninterest income to average assets | 0.4716% | 3,551 |
| Noninterest expense to average assets | 1.9144% | 5,692 |
| Loan and lease loss provision to assets | 0.0469% | 3,182 |
| Net operating income to assets | 1.8182% | 494 |
| Return on assets (ROA) | 1.8182% | 515 |
| Pretax return on assets | 1.8182% | 862 |
| Return on Equity (ROE) | 12.9271% | 1,130 |
| Retained earnings to average equity (ytd only) | 3.9031% | 3,517 |
| Net charge-offs to loans | 0.2201% | 1,161 |
| Credit loss provision to net charge-offs | 47.6190% | 2,730 |
| Earnings coverage of net charge-offs (x) | 18.9286% | 1,780 |
| Efficiency ratio | 50.6518% | 5,818 |
| Assets per employee ($millions) | 5.8003% | 1,498 |
| Cash dividends to net income (ytd only)* | 69.8065% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 3,189 |
| 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 | 44.6687% | 5,340 |
| Net loans and leases to deposits | 58.0172% | 4,992 |
| Net loans and leases to core deposits | 69.6512% | 4,353 |
| Total domestic deposits to total assets | 76.9921% | 5,456 |
| Equity capital to assets | 13.8015% | 1,053 |
| Core capital (leverage) ratio | 13.5833% | 964 |
| Tier 1 risk-based capital ratio | 23.1487% | 1,060 |
| Total risk-based capital ratio | 24.1687% | 1,069 |
| Memoranda: | ||
| Average total assets | $85,250,000 | 4,870 |
| Average earning assets | $81,676,670 | 4,786 |
| Average equity | $11,990,330 | 4,383 |
| Average total loans | $38,158,670 | 5,175 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 4,734 |
| Cost of funding earning assets | 0.2164% | 5,350 |
| Net interest margin | 3.3690% | 3,953 |
| Noninterest income to average assets | 0.4883% | 3,361 |
| Noninterest expense to average assets | 1.8916% | 5,773 |
| Loan and lease loss provision to assets | 0.0474% | 2,981 |
| Net operating income to assets | 1.7968% | 485 |
| Return on assets (ROA) | 1.7968% | 511 |
| Pretax return on assets | 1.7968% | 869 |
| Return on Equity (ROE) | 12.6528% | 1,175 |
| Retained earnings to average equity (ytd only) | 5.9759% | 2,518 |
| Net charge-offs to loans | -0.0107% | 4,742 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6345% | 5,877 |
| Assets per employee ($millions) | 5.5927% | 1,717 |
| Cash dividends to net income (ytd only)* | 52.7704% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 2,678 |
| 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 | 44.4904% | 5,312 |
| Net loans and leases to deposits | 56.9669% | 4,985 |
| Net loans and leases to core deposits | 67.4760% | 4,388 |
| Total domestic deposits to total assets | 78.0987% | 5,428 |
| Equity capital to assets | 14.5107% | 828 |
| Core capital (leverage) ratio | 13.7117% | 901 |
| Tier 1 risk-based capital ratio | 24.1133% | 983 |
| Total risk-based capital ratio | 25.2493% | 982 |
| Memoranda: | ||
| Average total assets | $84,372,500 | 4,931 |
| Average earning assets | $81,329,500 | 4,836 |
| Average equity | $11,981,500 | 4,416 |
| Average total loans | $37,548,000 | 5,227 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 4,850 |
| Cost of funding earning assets | 0.2870% | 4,931 |
| Net interest margin | 3.3938% | 4,223 |
| Noninterest income to average assets | 0.4630% | 3,760 |
| Noninterest expense to average assets | 1.9854% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7060% | 574 |
| Return on assets (ROA) | 1.7287% | 556 |
| Pretax return on assets | 1.7287% | 924 |
| Return on Equity (ROE) | 12.1757% | 1,364 |
| Retained earnings to average equity (ytd only) | 6.6727% | 1,559 |
| Net charge-offs to loans | 0.0058% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 678.0000% | 70 |
| Efficiency ratio | 53.7832% | 5,855 |
| Assets per employee ($millions) | 5.6570% | 1,646 |
| Cash dividends to net income (ytd only)* | 45.1965% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 2,715 |
| 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 | 43.2338% | 5,522 |
| Net loans and leases to deposits | 54.2949% | 5,310 |
| Net loans and leases to core deposits | 62.3307% | 4,977 |
| Total domestic deposits to total assets | 79.6276% | 5,115 |
| Equity capital to assets | 13.8943% | 997 |
| Core capital (leverage) ratio | 13.6367% | 926 |
| Tier 1 risk-based capital ratio | 21.6004% | 1,291 |
| Total risk-based capital ratio | 22.6131% | 1,308 |
| Memoranda: | ||
| Average total assets | $79,482,000 | 5,074 |
| Average earning assets | $75,607,600 | 5,002 |
| Average equity | $11,284,800 | 4,502 |
| Average total loans | $34,653,400 | 5,377 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 4,881 |
| Cost of funding earning assets | 0.3093% | 4,789 |
| Net interest margin | 3.3847% | 4,295 |
| Noninterest income to average assets | 0.4624% | 3,796 |
| Noninterest expense to average assets | 1.9896% | 5,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6841% | 630 |
| Return on assets (ROA) | 1.7149% | 622 |
| Pretax return on assets | 1.7149% | 1,034 |
| Return on Equity (ROE) | 12.0085% | 1,477 |
| Retained earnings to average equity (ytd only) | 6.6913% | 1,986 |
| Net charge-offs to loans | -0.0118% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1570% | 5,805 |
| Assets per employee ($millions) | 5.4971% | 1,729 |
| Cash dividends to net income (ytd only)* | 44.2786% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 2,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.9166% | 5,817 |
| Net loans and leases to deposits | 51.9952% | 5,528 |
| Net loans and leases to core deposits | 60.3019% | 5,168 |
| Total domestic deposits to total assets | 76.7697% | 5,710 |
| Equity capital to assets | 14.0497% | 988 |
| Core capital (leverage) ratio | 13.5799% | 969 |
| Tier 1 risk-based capital ratio | 23.3903% | 1,063 |
| Total risk-based capital ratio | 24.5159% | 1,068 |
| Memoranda: | ||
| Average total assets | $78,138,750 | 5,168 |
| Average earning assets | $74,134,750 | 5,094 |
| Average equity | $11,158,500 | 4,560 |
| Average total loans | $34,010,750 | 5,454 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6653% | 4,962 |
| Cost of funding earning assets | 0.2709% | 5,280 |
| Net interest margin | 3.3944% | 4,202 |
| Noninterest income to average assets | 0.4772% | 3,655 |
| Noninterest expense to average assets | 2.0131% | 5,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6662% | 620 |
| Return on assets (ROA) | 1.7054% | 593 |
| Pretax return on assets | 1.7054% | 1,007 |
| Return on Equity (ROE) | 11.8733% | 1,462 |
| Retained earnings to average equity (ytd only) | 5.6280% | 2,558 |
| Net charge-offs to loans | -0.0117% | 5,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7130% | 5,852 |
| Assets per employee ($millions) | 5.4159% | 1,772 |
| Cash dividends to net income (ytd only)* | 52.5994% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 2,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 42.7233% | 5,631 |
| Net loans and leases to deposits | 55.6664% | 5,221 |
| Net loans and leases to core deposits | 64.1327% | 4,814 |
| Total domestic deposits to total assets | 76.7489% | 5,820 |
| Equity capital to assets | 13.9760% | 976 |
| Core capital (leverage) ratio | 14.1663% | 782 |
| Tier 1 risk-based capital ratio | 21.8917% | 1,275 |
| Total risk-based capital ratio | 22.9673% | 1,285 |
| Memoranda: | ||
| Average total assets | $76,699,330 | 5,232 |
| Average earning assets | $72,354,670 | 5,172 |
| Average equity | $11,016,330 | 4,606 |
| Average total loans | $34,195,330 | 5,481 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 4,695 |
| Cost of funding earning assets | 0.2686% | 5,400 |
| Net interest margin | 3.4743% | 3,809 |
| Noninterest income to average assets | 0.5159% | 3,285 |
| Noninterest expense to average assets | 2.0583% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7251% | 547 |
| Return on assets (ROA) | 1.7251% | 568 |
| Pretax return on assets | 1.7251% | 924 |
| Return on Equity (ROE) | 11.8368% | 1,457 |
| Retained earnings to average equity (ytd only) | -0.8481% | 5,701 |
| Net charge-offs to loans | -0.0238% | 5,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4034% | 5,982 |
| Assets per employee ($millions) | 5.1952% | 2,017 |
| Cash dividends to net income (ytd only)* | 107.1651% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 2,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 43.7006% | 5,539 |
| Net loans and leases to deposits | 53.9203% | 5,296 |
| Net loans and leases to core deposits | 63.3263% | 4,746 |
| Total domestic deposits to total assets | 81.0466% | 5,222 |
| Equity capital to assets | 13.9744% | 926 |
| Core capital (leverage) ratio | 14.4908% | 705 |
| Tier 1 risk-based capital ratio | 21.7124% | 1,336 |
| Total risk-based capital ratio | 22.8123% | 1,340 |
| Memoranda: | ||
| Average total assets | $74,429,500 | 5,328 |
| Average earning assets | $69,999,500 | 5,272 |
| Average equity | $10,847,500 | 4,652 |
| Average total loans | $33,668,000 | 5,564 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,810 |
| Cost of funding earning assets | 0.3181% | 5,440 |
| Net interest margin | 3.4839% | 3,968 |
| Noninterest income to average assets | 0.5232% | 3,600 |
| Noninterest expense to average assets | 2.0059% | 6,017 |
| Loan and lease loss provision to assets | 0.0803% | 3,503 |
| Net operating income to assets | 1.7343% | 547 |
| Return on assets (ROA) | 1.7343% | 565 |
| Pretax return on assets | 1.7343% | 887 |
| Return on Equity (ROE) | 12.3224% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.3716% | 380 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5044% | 6,254 |
| Assets per employee ($millions) | 4.7287% | 2,540 |
| Cash dividends to net income (ytd only)* | 7.7160% | 4,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 2,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.3948% | 5,542 |
| Net loans and leases to deposits | 55.6662% | 5,332 |
| Net loans and leases to core deposits | 65.0235% | 4,773 |
| Total domestic deposits to total assets | 81.5483% | 5,023 |
| Equity capital to assets | 15.2331% | 636 |
| Core capital (leverage) ratio | 14.6937% | 644 |
| Tier 1 risk-based capital ratio | 22.9446% | 1,105 |
| Total risk-based capital ratio | 24.1001% | 1,095 |
| Memoranda: | ||
| Average total assets | $74,729,400 | 5,359 |
| Average earning assets | $70,725,600 | 5,292 |
| Average equity | $10,517,400 | 4,738 |
| Average total loans | $32,171,600 | 5,658 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 4,797 |
| Cost of funding earning assets | 0.3240% | 5,514 |
| Net interest margin | 3.4912% | 3,917 |
| Noninterest income to average assets | 0.5285% | 3,602 |
| Noninterest expense to average assets | 1.9661% | 6,072 |
| Loan and lease loss provision to assets | 0.0793% | 3,474 |
| Net operating income to assets | 1.7865% | 535 |
| Return on assets (ROA) | 1.7865% | 561 |
| Pretax return on assets | 1.7865% | 932 |
| Return on Equity (ROE) | 12.9431% | 1,253 |
| Retained earnings to average equity (ytd only) | 12.9431% | 340 |
| Net charge-offs to loans | -0.0042% | 5,758 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3103% | 6,311 |
| Assets per employee ($millions) | 5.3016% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 2,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 43.3801% | 5,781 |
| Net loans and leases to deposits | 57.6632% | 5,221 |
| Net loans and leases to core deposits | 66.9411% | 4,627 |
| Total domestic deposits to total assets | 75.2300% | 6,254 |
| Equity capital to assets | 14.2975% | 876 |
| Core capital (leverage) ratio | 13.9505% | 880 |
| Tier 1 risk-based capital ratio | 22.0189% | 1,316 |
| Total risk-based capital ratio | 23.1177% | 1,324 |
| Memoranda: | ||
| Average total assets | $75,679,000 | 5,389 |
| Average earning assets | $71,607,250 | 5,312 |
| Average equity | $10,445,500 | 4,805 |
| Average total loans | $32,029,750 | 5,718 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 4,810 |
| Cost of funding earning assets | 0.3293% | 5,574 |
| Net interest margin | 3.4758% | 3,899 |
| Noninterest income to average assets | 0.5593% | 3,446 |
| Noninterest expense to average assets | 1.9721% | 6,091 |
| Loan and lease loss provision to assets | 0.0788% | 3,483 |
| Net operating income to assets | 1.8066% | 511 |
| Return on assets (ROA) | 1.8066% | 550 |
| Pretax return on assets | 1.8066% | 913 |
| Return on Equity (ROE) | 13.2435% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.2435% | 355 |
| Net charge-offs to loans | -0.0063% | 5,679 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1232% | 6,347 |
| Assets per employee ($millions) | 5.3773% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 3,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 42.4909% | 5,865 |
| Net loans and leases to deposits | 59.3414% | 5,037 |
| Net loans and leases to core deposits | 68.4191% | 4,455 |
| Total domestic deposits to total assets | 71.6041% | 6,582 |
| Equity capital to assets | 13.9502% | 984 |
| Core capital (leverage) ratio | 13.3926% | 1,018 |
| Tier 1 risk-based capital ratio | 21.2358% | 1,439 |
| Total risk-based capital ratio | 22.2982% | 1,454 |
| Memoranda: | ||
| Average total assets | $76,164,330 | 5,411 |
| Average earning assets | $72,271,330 | 5,325 |
| Average equity | $10,390,000 | 4,854 |
| Average total loans | $31,798,330 | 5,762 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 4,520 |
| Cost of funding earning assets | 0.3419% | 5,623 |
| Net interest margin | 3.5463% | 3,495 |
| Noninterest income to average assets | 0.4856% | 3,878 |
| Noninterest expense to average assets | 1.8850% | 6,298 |
| Loan and lease loss provision to assets | 0.0783% | 3,329 |
| Net operating income to assets | 1.8798% | 421 |
| Return on assets (ROA) | 1.8798% | 457 |
| Pretax return on assets | 1.8798% | 766 |
| Return on Equity (ROE) | 13.9346% | 977 |
| Retained earnings to average equity (ytd only) | 13.9346% | 460 |
| Net charge-offs to loans | -0.0127% | 5,528 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0489% | 6,567 |
| Assets per employee ($millions) | 5.4629% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 40.6786% | 5,941 |
| Net loans and leases to deposits | 54.1739% | 5,420 |
| Net loans and leases to core deposits | 64.1940% | 4,723 |
| Total domestic deposits to total assets | 75.0889% | 6,448 |
| Equity capital to assets | 13.7435% | 1,117 |
| Core capital (leverage) ratio | 12.8218% | 1,186 |
| Tier 1 risk-based capital ratio | 20.9880% | 1,542 |
| Total risk-based capital ratio | 22.0411% | 1,560 |
| Memoranda: | ||
| Average total assets | $76,605,500 | 5,447 |
| Average earning assets | $72,527,000 | 5,370 |
| Average equity | $10,334,000 | 4,923 |
| Average total loans | $31,448,000 | 5,824 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 5,814 |
| Cost of funding earning assets | 0.3949% | 5,951 |
| Net interest margin | 3.4075% | 4,857 |
| Noninterest income to average assets | 0.4986% | 3,913 |
| Noninterest expense to average assets | 1.8950% | 6,497 |
| Loan and lease loss provision to assets | 0.1096% | 4,258 |
| Net operating income to assets | 1.7371% | 571 |
| Return on assets (ROA) | 1.7371% | 634 |
| Pretax return on assets | 1.7371% | 1,051 |
| Return on Equity (ROE) | 13.4344% | 1,118 |
| Retained earnings to average equity (ytd only) | 5.3394% | 2,476 |
| Net charge-offs to loans | -0.0417% | 6,673 |
| Credit loss provision to net charge-offs | -646.1538% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6453% | 6,546 |
| Assets per employee ($millions) | 5.4808% | 1,701 |
| Cash dividends to net income (ytd only)* | 60.2554% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 40.1520% | 6,157 |
| Net loans and leases to deposits | 55.1905% | 5,532 |
| Net loans and leases to core deposits | 64.9445% | 4,843 |
| Total domestic deposits to total assets | 72.7516% | 6,640 |
| Equity capital to assets | 13.2372% | 1,340 |
| Core capital (leverage) ratio | 12.2414% | 1,431 |
| Tier 1 risk-based capital ratio | 20.4228% | 1,579 |
| Total risk-based capital ratio | 21.4518% | 1,601 |
| Memoranda: | ||
| Average total assets | $76,622,000 | 5,444 |
| Average earning assets | $72,926,600 | 5,340 |
| Average equity | $9,907,400 | 4,995 |
| Average total loans | $31,146,400 | 5,890 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 5,918 |
| Cost of funding earning assets | 0.4039% | 6,093 |
| Net interest margin | 3.4392% | 4,883 |
| Noninterest income to average assets | 0.5013% | 3,919 |
| Noninterest expense to average assets | 1.8661% | 6,588 |
| Loan and lease loss provision to assets | 0.1097% | 4,200 |
| Net operating income to assets | 1.8017% | 565 |
| Return on assets (ROA) | 1.8017% | 636 |
| Pretax return on assets | 1.8017% | 1,044 |
| Return on Equity (ROE) | 14.0170% | 1,110 |
| Retained earnings to average equity (ytd only) | 5.8776% | 2,777 |
| Net charge-offs to loans | -0.0472% | 6,692 |
| Credit loss provision to net charge-offs | -572.7273% | 6,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4009% | 6,632 |
| Assets per employee ($millions) | 5.6672% | 1,485 |
| Cash dividends to net income (ytd only)* | 58.0672% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 37.7169% | 6,432 |
| Net loans and leases to deposits | 54.3972% | 5,769 |
| Net loans and leases to core deposits | 63.6472% | 5,193 |
| Total domestic deposits to total assets | 69.3362% | 6,877 |
| Equity capital to assets | 12.8622% | 1,673 |
| Core capital (leverage) ratio | 11.9211% | 1,705 |
| Tier 1 risk-based capital ratio | 20.4617% | 1,641 |
| Total risk-based capital ratio | 21.4532% | 1,676 |
| Memoranda: | ||
| Average total assets | $76,594,750 | 5,496 |
| Average earning assets | $72,961,500 | 5,402 |
| Average equity | $9,845,000 | 5,064 |
| Average total loans | $31,110,750 | 5,967 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 5,794 |
| Cost of funding earning assets | 0.4165% | 6,185 |
| Net interest margin | 3.5291% | 4,555 |
| Noninterest income to average assets | 0.5444% | 3,621 |
| Noninterest expense to average assets | 1.8843% | 6,628 |
| Loan and lease loss provision to assets | 0.1110% | 4,142 |
| Net operating income to assets | 1.9081% | 452 |
| Return on assets (ROA) | 1.9081% | 516 |
| Pretax return on assets | 1.9081% | 831 |
| Return on Equity (ROE) | 14.8483% | 960 |
| Retained earnings to average equity (ytd only) | 6.6015% | 2,329 |
| Net charge-offs to loans | -0.0702% | 6,758 |
| Credit loss provision to net charge-offs | -381.8182% | 6,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2735% | 6,761 |
| Assets per employee ($millions) | 5.5215% | 1,600 |
| Cash dividends to net income (ytd only)* | 55.5402% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 39.1819% | 6,394 |
| Net loans and leases to deposits | 53.2761% | 5,929 |
| Net loans and leases to core deposits | 63.8354% | 5,229 |
| Total domestic deposits to total assets | 73.5450% | 6,708 |
| Equity capital to assets | 12.9765% | 1,534 |
| Core capital (leverage) ratio | 11.9681% | 1,617 |
| Tier 1 risk-based capital ratio | 20.5007% | 1,574 |
| Total risk-based capital ratio | 21.4600% | 1,627 |
| Memoranda: | ||
| Average total assets | $75,679,330 | 5,553 |
| Average earning assets | $72,029,000 | 5,457 |
| Average equity | $9,725,000 | 5,100 |
| Average total loans | $31,353,670 | 6,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 5,779 |
| Cost of funding earning assets | 0.4381% | 6,217 |
| Net interest margin | 3.5554% | 4,463 |
| Noninterest income to average assets | 0.5610% | 3,491 |
| Noninterest expense to average assets | 1.8913% | 6,658 |
| Loan and lease loss provision to assets | 0.1122% | 3,957 |
| Net operating income to assets | 1.9394% | 469 |
| Return on assets (ROA) | 1.9394% | 537 |
| Pretax return on assets | 1.9394% | 819 |
| Return on Equity (ROE) | 15.1692% | 942 |
| Retained earnings to average equity (ytd only) | 6.8115% | 2,527 |
| Net charge-offs to loans | -0.1263% | 6,869 |
| Credit loss provision to net charge-offs | -210.0000% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9675% | 6,808 |
| Assets per employee ($millions) | 5.0889% | 2,140 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 5,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 41.2909% | 6,246 |
| Net loans and leases to deposits | 54.2869% | 5,781 |
| Net loans and leases to core deposits | 65.8237% | 4,934 |
| Total domestic deposits to total assets | 76.0605% | 6,535 |
| Equity capital to assets | 12.6444% | 1,631 |
| Core capital (leverage) ratio | 12.1907% | 1,482 |
| Tier 1 risk-based capital ratio | 21.5734% | 1,368 |
| Total risk-based capital ratio | 22.5486% | 1,402 |
| Memoranda: | ||
| Average total assets | $74,868,500 | 5,621 |
| Average earning assets | $71,215,500 | 5,523 |
| Average equity | $9,572,000 | 5,153 |
| Average total loans | $31,668,500 | 6,030 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 6,169 |
| Cost of funding earning assets | 0.6496% | 5,828 |
| Net interest margin | 3.5087% | 5,107 |
| Noninterest income to average assets | 0.5837% | 3,266 |
| Noninterest expense to average assets | 2.1606% | 6,358 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6886% | 563 |
| Return on assets (ROA) | 1.7094% | 578 |
| Pretax return on assets | 1.7094% | 967 |
| Return on Equity (ROE) | 12.5825% | 1,263 |
| Retained earnings to average equity (ytd only) | 3.7923% | 3,517 |
| Net charge-offs to loans | -0.0250% | 6,980 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1315% | 6,299 |
| Assets per employee ($millions) | 4.5877% | 2,774 |
| Cash dividends to net income (ytd only)* | 69.8606% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 5,298 |
| Loan loss allowance to noncurrent loans | 348.1818% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 6,572 |
| Noncurrent loans to loans | 0.3503% | 6,028 |
| Net loans and leases to total assets | 42.2612% | 6,361 |
| Net loans and leases to deposits | 59.0134% | 5,599 |
| Net loans and leases to core deposits | 71.0448% | 4,644 |
| Total domestic deposits to total assets | 71.6129% | 6,896 |
| Equity capital to assets | 12.9314% | 1,526 |
| Core capital (leverage) ratio | 12.8692% | 1,192 |
| Tier 1 risk-based capital ratio | 21.7130% | 1,282 |
| Total risk-based capital ratio | 22.6373% | 1,313 |
| Memoranda: | ||
| Average total assets | $67,157,200 | 5,830 |
| Average earning assets | $62,501,600 | 5,791 |
| Average equity | $9,123,800 | 5,247 |
| Average total loans | $27,967,200 | 6,251 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 6,145 |
| Cost of funding earning assets | 0.7070% | 5,713 |
| Net interest margin | 3.5198% | 5,107 |
| Noninterest income to average assets | 0.5976% | 3,171 |
| Noninterest expense to average assets | 2.1891% | 6,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6667% | 682 |
| Return on assets (ROA) | 1.6952% | 700 |
| Pretax return on assets | 1.6952% | 1,157 |
| Return on Equity (ROE) | 12.3118% | 1,463 |
| Retained earnings to average equity (ytd only) | 3.4396% | 4,285 |
| Net charge-offs to loans | -0.0148% | 6,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7739% | 6,177 |
| Assets per employee ($millions) | 4.1456% | 3,551 |
| Cash dividends to net income (ytd only)* | 72.0622% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,518 |
| Loan loss allowance to noncurrent loans | 344.5455% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 6,637 |
| Noncurrent loans to loans | 0.4089% | 6,028 |
| Net loans and leases to total assets | 39.9834% | 6,633 |
| Net loans and leases to deposits | 47.6140% | 6,642 |
| Net loans and leases to core deposits | 58.2469% | 6,109 |
| Total domestic deposits to total assets | 83.9741% | 4,240 |
| Equity capital to assets | 14.2379% | 1,072 |
| Core capital (leverage) ratio | 13.6030% | 1,014 |
| Tier 1 risk-based capital ratio | 24.2970% | 982 |
| Total risk-based capital ratio | 25.3337% | 987 |
| Memoranda: | ||
| Average total assets | $65,595,750 | 5,926 |
| Average earning assets | $60,721,000 | 5,879 |
| Average equity | $9,031,750 | 5,297 |
| Average total loans | $27,108,000 | 6,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 6,121 |
| Cost of funding earning assets | 0.7611% | 5,621 |
| Net interest margin | 3.5046% | 5,145 |
| Noninterest income to average assets | 0.5907% | 3,196 |
| Noninterest expense to average assets | 2.1606% | 6,483 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6710% | 634 |
| Return on assets (ROA) | 1.7138% | 628 |
| Pretax return on assets | 1.7138% | 1,028 |
| Return on Equity (ROE) | 12.5923% | 1,312 |
| Retained earnings to average equity (ytd only) | 3.5753% | 3,960 |
| Net charge-offs to loans | -0.0368% | 6,971 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3898% | 6,380 |
| Assets per employee ($millions) | 4.1349% | 3,480 |
| Cash dividends to net income (ytd only)* | 71.6071% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,491 |
| Loan loss allowance to noncurrent loans | 343.2432% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 6,676 |
| Noncurrent loans to loans | 0.4127% | 6,077 |
| Net loans and leases to total assets | 40.0768% | 6,739 |
| Net loans and leases to deposits | 48.4983% | 6,699 |
| Net loans and leases to core deposits | 56.2703% | 6,393 |
| Total domestic deposits to total assets | 82.6355% | 4,934 |
| Equity capital to assets | 13.8910% | 1,136 |
| Core capital (leverage) ratio | 13.6079% | 968 |
| Tier 1 risk-based capital ratio | 24.0651% | 1,001 |
| Total risk-based capital ratio | 25.1058% | 1,007 |
| Memoranda: | ||
| Average total assets | $65,351,000 | 5,978 |
| Average earning assets | $60,435,000 | 5,943 |
| Average equity | $8,894,330 | 5,354 |
| Average total loans | $27,177,330 | 6,406 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 5,832 |
| Cost of funding earning assets | 0.8070% | 5,539 |
| Net interest margin | 3.5493% | 4,817 |
| Noninterest income to average assets | 0.5912% | 3,232 |
| Noninterest expense to average assets | 2.1741% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7491% | 536 |
| Return on assets (ROA) | 1.8353% | 486 |
| Pretax return on assets | 1.8353% | 766 |
| Return on Equity (ROE) | 13.6283% | 1,057 |
| Retained earnings to average equity (ytd only) | 4.4818% | 3,489 |
| Net charge-offs to loans | -0.0732% | 6,994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4160% | 6,571 |
| Assets per employee ($millions) | 4.0681% | 3,701 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 4,542 |
| Loan loss allowance to noncurrent loans | 343.2432% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 6,733 |
| Noncurrent loans to loans | 0.4154% | 6,167 |
| Net loans and leases to total assets | 40.4655% | 6,744 |
| Net loans and leases to deposits | 48.7461% | 6,709 |
| Net loans and leases to core deposits | 58.4195% | 6,216 |
| Total domestic deposits to total assets | 83.0128% | 4,924 |
| Equity capital to assets | 13.6027% | 1,147 |
| Core capital (leverage) ratio | 12.6632% | 1,261 |
| Tier 1 risk-based capital ratio | 24.0191% | 972 |
| Total risk-based capital ratio | 25.0652% | 973 |
| Memoranda: | ||
| Average total assets | $64,947,500 | 6,031 |
| Average earning assets | $60,970,000 | 5,966 |
| Average equity | $8,746,500 | 5,398 |
| Average total loans | $27,318,500 | 6,449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 5,577 |
| Cost of funding earning assets | 0.9596% | 5,889 |
| Net interest margin | 3.8023% | 3,935 |
| Noninterest income to average assets | 0.6144% | 3,383 |
| Noninterest expense to average assets | 2.2905% | 6,386 |
| Loan and lease loss provision to assets | 0.0460% | 6,703 |
| Net operating income to assets | 1.8294% | 385 |
| Return on assets (ROA) | 1.8385% | 412 |
| Pretax return on assets | 1.8385% | 703 |
| Return on Equity (ROE) | 13.6584% | 951 |
| Retained earnings to average equity (ytd only) | 4.5300% | 2,700 |
| Net charge-offs to loans | 0.1577% | 5,405 |
| Credit loss provision to net charge-offs | 66.6667% | 5,941 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 801 |
| Efficiency ratio | 54.9834% | 6,716 |
| Assets per employee ($millions) | 4.0503% | 3,680 |
| Cash dividends to net income (ytd only)* | 66.8333% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,765 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 7,219 |
| Noncurrent loans to loans | 0.0287% | 7,063 |
| Net loans and leases to total assets | 42.4983% | 6,820 |
| Net loans and leases to deposits | 55.3477% | 6,494 |
| Net loans and leases to core deposits | 65.3715% | 5,938 |
| Total domestic deposits to total assets | 76.7842% | 6,513 |
| Equity capital to assets | 13.3308% | 1,245 |
| Core capital (leverage) ratio | 13.3708% | 1,009 |
| Tier 1 risk-based capital ratio | 23.2502% | 1,004 |
| Total risk-based capital ratio | 24.2608% | 1,016 |
| Memoranda: | ||
| Average total assets | $65,269,000 | 6,022 |
| Average earning assets | $60,962,400 | 5,959 |
| Average equity | $8,785,800 | 5,478 |
| Average total loans | $28,542,200 | 6,471 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 5,459 |
| Cost of funding earning assets | 0.9889% | 5,987 |
| Net interest margin | 3.8641% | 3,683 |
| Noninterest income to average assets | 0.6219% | 3,301 |
| Noninterest expense to average assets | 2.2166% | 6,565 |
| Loan and lease loss provision to assets | 0.0612% | 6,452 |
| Net operating income to assets | 1.9535% | 364 |
| Return on assets (ROA) | 1.9657% | 385 |
| Pretax return on assets | 1.9657% | 668 |
| Return on Equity (ROE) | 14.5684% | 926 |
| Retained earnings to average equity (ytd only) | 5.4859% | 2,659 |
| Net charge-offs to loans | 0.1858% | 4,839 |
| Credit loss provision to net charge-offs | 75.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | 24.7009% | 1,013 |
| Efficiency ratio | 52.3855% | 6,946 |
| Assets per employee ($millions) | 4.0916% | 3,660 |
| Cash dividends to net income (ytd only)* | 62.3442% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,224 |
| Loan loss allowance to noncurrent loans | 488.4615% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 7,061 |
| Noncurrent loans to loans | 0.2961% | 6,594 |
| Net loans and leases to total assets | 39.6557% | 7,094 |
| Net loans and leases to deposits | 52.6924% | 6,852 |
| Net loans and leases to core deposits | 61.3126% | 6,513 |
| Total domestic deposits to total assets | 75.2589% | 6,774 |
| Equity capital to assets | 13.9431% | 1,181 |
| Core capital (leverage) ratio | 12.8644% | 1,279 |
| Tier 1 risk-based capital ratio | 23.9198% | 957 |
| Total risk-based capital ratio | 24.9778% | 954 |
| Memoranda: | ||
| Average total assets | $65,385,000 | 6,085 |
| Average earning assets | $61,073,250 | 6,024 |
| Average equity | $8,822,500 | 5,548 |
| Average total loans | $28,698,500 | 6,547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 5,421 |
| Cost of funding earning assets | 0.9918% | 6,179 |
| Net interest margin | 3.9018% | 3,438 |
| Noninterest income to average assets | 0.6396% | 3,065 |
| Noninterest expense to average assets | 2.2277% | 6,578 |
| Loan and lease loss provision to assets | 0.0918% | 6,003 |
| Net operating income to assets | 1.9676% | 348 |
| Return on assets (ROA) | 1.9676% | 385 |
| Pretax return on assets | 1.9676% | 645 |
| Return on Equity (ROE) | 14.7466% | 903 |
| Retained earnings to average equity (ytd only) | 5.5500% | 2,580 |
| Net charge-offs to loans | 0.2239% | 4,256 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 20.3939% | 1,218 |
| Efficiency ratio | 51.9629% | 7,072 |
| Assets per employee ($millions) | 3.9629% | 3,837 |
| Cash dividends to net income (ytd only)* | 62.3639% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 4,535 |
| Loan loss allowance to noncurrent loans | 1,021.0526% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 7,249 |
| Noncurrent loans to loans | 0.1350% | 6,994 |
| Net loans and leases to total assets | 41.2112% | 7,085 |
| Net loans and leases to deposits | 54.4157% | 6,834 |
| Net loans and leases to core deposits | 63.5259% | 6,447 |
| Total domestic deposits to total assets | 75.7340% | 6,744 |
| Equity capital to assets | 13.1735% | 1,489 |
| Core capital (leverage) ratio | 12.8695% | 1,252 |
| Tier 1 risk-based capital ratio | 22.4709% | 1,126 |
| Total risk-based capital ratio | 23.4974% | 1,141 |
| Memoranda: | ||
| Average total assets | $65,358,000 | 6,129 |
| Average earning assets | $61,100,670 | 6,059 |
| Average equity | $8,720,670 | 5,580 |
| Average total loans | $29,484,000 | 6,557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 5,391 |
| Cost of funding earning assets | 1.0081% | 6,339 |
| Net interest margin | 3.9064% | 3,297 |
| Noninterest income to average assets | 0.7148% | 2,499 |
| Noninterest expense to average assets | 2.2750% | 6,468 |
| Loan and lease loss provision to assets | 0.0932% | 5,699 |
| Net operating income to assets | 2.0077% | 343 |
| Return on assets (ROA) | 2.0077% | 373 |
| Pretax return on assets | 2.0077% | 595 |
| Return on Equity (ROE) | 14.9476% | 886 |
| Retained earnings to average equity (ytd only) | 5.6921% | 2,768 |
| Net charge-offs to loans | 0.3715% | 2,930 |
| Credit loss provision to net charge-offs | 53.5714% | 4,424 |
| Earnings coverage of net charge-offs (x) | 12.0714% | 1,590 |
| Efficiency ratio | 51.9886% | 7,155 |
| Assets per employee ($millions) | 3.7316% | 4,496 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 5,154 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 7,347 |
| Noncurrent loans to loans | 0.1199% | 7,109 |
| Net loans and leases to total assets | 46.7181% | 6,772 |
| Net loans and leases to deposits | 58.7488% | 6,576 |
| Net loans and leases to core deposits | 69.0501% | 5,999 |
| Total domestic deposits to total assets | 79.5217% | 5,939 |
| Equity capital to assets | 13.7347% | 1,232 |
| Core capital (leverage) ratio | 12.7600% | 1,308 |
| Tier 1 risk-based capital ratio | 21.7546% | 1,232 |
| Total risk-based capital ratio | 22.7366% | 1,250 |
| Memoranda: | ||
| Average total assets | $64,352,000 | 6,230 |
| Average earning assets | $60,311,500 | 6,157 |
| Average equity | $8,643,500 | 5,646 |
| Average total loans | $30,150,000 | 6,600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 5,298 |
| Cost of funding earning assets | 1.2101% | 6,628 |
| Net interest margin | 4.0672% | 2,581 |
| Noninterest income to average assets | 0.6251% | 3,459 |
| Noninterest expense to average assets | 2.4053% | 6,448 |
| Loan and lease loss provision to assets | 0.0967% | 6,647 |
| Net operating income to assets | 1.9623% | 247 |
| Return on assets (ROA) | 2.0750% | 210 |
| Pretax return on assets | 2.0750% | 351 |
| Return on Equity (ROE) | 15.2791% | 632 |
| Retained earnings to average equity (ytd only) | 5.7653% | 1,441 |
| Net charge-offs to loans | 0.0777% | 6,335 |
| Credit loss provision to net charge-offs | 260.8696% | 1,343 |
| Earnings coverage of net charge-offs (x) | 55.5652% | 476 |
| Efficiency ratio | 53.8795% | 7,244 |
| Assets per employee ($millions) | 3.8392% | 4,181 |
| Cash dividends to net income (ytd only)* | 62.2671% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 4,817 |
| Loan loss allowance to noncurrent loans | 528.3784% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 6,857 |
| Noncurrent loans to loans | 0.2443% | 6,818 |
| Net loans and leases to total assets | 45.8033% | 6,998 |
| Net loans and leases to deposits | 66.3986% | 6,008 |
| Net loans and leases to core deposits | 90.0286% | 5,124 |
| Total domestic deposits to total assets | 68.9823% | 7,490 |
| Equity capital to assets | 13.1370% | 1,454 |
| Core capital (leverage) ratio | 12.9514% | 1,268 |
| Tier 1 risk-based capital ratio | 21.0408% | 1,279 |
| Total risk-based capital ratio | 22.0378% | 1,297 |
| Memoranda: | ||
| Average total assets | $62,071,000 | 6,270 |
| Average earning assets | $58,590,800 | 6,197 |
| Average equity | $8,429,800 | 5,788 |
| Average total loans | $29,585,800 | 6,651 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4100% | 4,894 |
| Cost of funding earning assets | 1.2649% | 6,672 |
| Net interest margin | 4.1451% | 2,230 |
| Noninterest income to average assets | 0.6267% | 3,518 |
| Noninterest expense to average assets | 2.4263% | 6,331 |
| Loan and lease loss provision to assets | 0.0544% | 6,830 |
| Net operating income to assets | 2.0607% | 252 |
| Return on assets (ROA) | 2.2130% | 191 |
| Pretax return on assets | 2.2130% | 338 |
| Return on Equity (ROE) | 16.1545% | 631 |
| Retained earnings to average equity (ytd only) | 6.6079% | 1,662 |
| Net charge-offs to loans | 0.0408% | 6,330 |
| Credit loss provision to net charge-offs | 277.7778% | 1,514 |
| Earnings coverage of net charge-offs (x) | 107.9975% | 336 |
| Efficiency ratio | 53.4260% | 7,297 |
| Assets per employee ($millions) | 3.8118% | 4,167 |
| Cash dividends to net income (ytd only)* | 59.0950% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 4,664 |
| Loan loss allowance to noncurrent loans | 345.7944% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 7,121 |
| Noncurrent loans to loans | 0.3681% | 6,613 |
| Net loans and leases to total assets | 44.2833% | 7,226 |
| Net loans and leases to deposits | 62.5103% | 6,628 |
| Net loans and leases to core deposits | 88.1300% | 5,632 |
| Total domestic deposits to total assets | 70.8415% | 7,346 |
| Equity capital to assets | 13.2143% | 1,615 |
| Core capital (leverage) ratio | 13.2008% | 1,323 |
| Tier 1 risk-based capital ratio | 21.5526% | 1,280 |
| Total risk-based capital ratio | 22.5272% | 1,306 |
| Memoranda: | ||
| Average total assets | $61,272,250 | 6,346 |
| Average earning assets | $57,866,750 | 6,259 |
| Average equity | $8,393,750 | 5,855 |
| Average total loans | $29,411,000 | 6,712 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6389% | 3,869 |
| Cost of funding earning assets | 1.3382% | 6,682 |
| Net interest margin | 4.3007% | 1,653 |
| Noninterest income to average assets | 0.6423% | 3,397 |
| Noninterest expense to average assets | 2.4561% | 6,278 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2397% | 180 |
| Return on assets (ROA) | 2.3163% | 171 |
| Pretax return on assets | 2.3163% | 290 |
| Return on Equity (ROE) | 16.6960% | 614 |
| Retained earnings to average equity (ytd only) | 7.0766% | 1,551 |
| Net charge-offs to loans | 0.0406% | 5,898 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 112.1667% | 342 |
| Efficiency ratio | 52.3033% | 7,492 |
| Assets per employee ($millions) | 3.5915% | 4,593 |
| Cash dividends to net income (ytd only)* | 57.6149% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,964 |
| Loan loss allowance to noncurrent loans | 1,160.0000% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 7,480 |
| Noncurrent loans to loans | 0.1033% | 7,268 |
| Net loans and leases to total assets | 47.0175% | 7,126 |
| Net loans and leases to deposits | 58.1113% | 7,017 |
| Net loans and leases to core deposits | 81.0108% | 6,320 |
| Total domestic deposits to total assets | 80.9093% | 5,108 |
| Equity capital to assets | 13.6989% | 1,420 |
| Core capital (leverage) ratio | 13.3729% | 1,309 |
| Tier 1 risk-based capital ratio | 21.8299% | 1,279 |
| Total risk-based capital ratio | 22.7722% | 1,289 |
| Memoranda: | ||
| Average total assets | $60,096,000 | 6,441 |
| Average earning assets | $56,642,330 | 6,360 |
| Average equity | $8,337,330 | 5,906 |
| Average total loans | $29,526,000 | 6,762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7879% | 3,363 |
| Cost of funding earning assets | 1.3885% | 6,772 |
| Net interest margin | 4.3994% | 1,340 |
| Noninterest income to average assets | 0.6508% | 3,195 |
| Noninterest expense to average assets | 2.3752% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4423% | 147 |
| Return on assets (ROA) | 2.4423% | 179 |
| Pretax return on assets | 2.4423% | 282 |
| Return on Equity (ROE) | 17.4916% | 637 |
| Retained earnings to average equity (ytd only) | 7.8808% | 1,863 |
| Net charge-offs to loans | 0.0134% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 97 |
| Efficiency ratio | 49.3036% | 7,642 |
| Assets per employee ($millions) | 3.3324% | 5,246 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 4,849 |
| Loan loss allowance to noncurrent loans | 271.5385% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 6,873 |
| Noncurrent loans to loans | 0.4399% | 6,325 |
| Net loans and leases to total assets | 48.6763% | 6,970 |
| Net loans and leases to deposits | 59.8246% | 6,909 |
| Net loans and leases to core deposits | 85.1427% | 5,970 |
| Total domestic deposits to total assets | 81.3650% | 4,809 |
| Equity capital to assets | 13.9521% | 1,380 |
| Core capital (leverage) ratio | 13.3583% | 1,367 |
| Tier 1 risk-based capital ratio | 21.1659% | 1,425 |
| Total risk-based capital ratio | 22.1080% | 1,443 |
| Memoranda: | ||
| Average total assets | $59,616,000 | 6,485 |
| Average earning assets | $56,462,500 | 6,401 |
| Average equity | $8,324,000 | 5,945 |
| Average total loans | $29,761,500 | 6,784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5154% | 2,886 |
| Cost of funding earning assets | 1.8732% | 6,813 |
| Net interest margin | 4.6423% | 1,068 |
| Noninterest income to average assets | 0.7490% | 2,790 |
| Noninterest expense to average assets | 2.6530% | 5,434 |
| Loan and lease loss provision to assets | 0.0922% | 6,214 |
| Net operating income to assets | 2.3246% | 179 |
| Return on assets (ROA) | 2.3246% | 175 |
| Pretax return on assets | 2.3246% | 290 |
| Return on Equity (ROE) | 16.0755% | 758 |
| Retained earnings to average equity (ytd only) | 5.8433% | 1,593 |
| Net charge-offs to loans | 0.1445% | 4,766 |
| Credit loss provision to net charge-offs | 119.0476% | 4,521 |
| Earnings coverage of net charge-offs (x) | 31.1905% | 1,137 |
| Efficiency ratio | 52.3290% | 7,456 |
| Assets per employee ($millions) | 3.2916% | 5,231 |
| Cash dividends to net income (ytd only)* | 63.6508% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 4,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 49.9899% | 7,036 |
| Net loans and leases to deposits | 68.7799% | 6,391 |
| Net loans and leases to core deposits | 89.7080% | 5,829 |
| Total domestic deposits to total assets | 72.6809% | 6,889 |
| Equity capital to assets | 13.9735% | 1,431 |
| Core capital (leverage) ratio | 13.2569% | 1,457 |
| Tier 1 risk-based capital ratio | 20.7458% | 1,494 |
| Total risk-based capital ratio | 21.6915% | 1,511 |
| Memoranda: | ||
| Average total assets | $54,202,800 | 6,612 |
| Average earning assets | $50,449,600 | 6,573 |
| Average equity | $7,838,000 | 6,158 |
| Average total loans | $29,066,600 | 6,767 |