Home > Eastern International Bank > Performance and Condition Ratios
Eastern International Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4678% | 2,161 |
| Cost of funding earning assets | 1.9129% | 2,170 |
| Net interest margin | 3.5549% | 2,172 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 3.3246% | 737 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.1143% | 4,060 |
| Return on assets (ROA) | 0.1143% | 4,094 |
| Pretax return on assets | 0.1633% | 4,067 |
| Return on Equity (ROE) | 0.6600% | 4,123 |
| Retained earnings to average equity (ytd only) | 0.6646% | 3,561 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 94.4341% | 373 |
| Assets per employee ($millions) | 4.8569% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 927 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 71.3600% | 1,680 |
| Net loans and leases to deposits | 93.2847% | 816 |
| Net loans and leases to core deposits | 142.3284% | 201 |
| Total domestic deposits to total assets | 76.5000% | 3,940 |
| Equity capital to assets | 18.1597% | 341 |
| Core capital (leverage) ratio | 19.3147% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $122,482,500 | 3,595 |
| Average earning assets | $118,145,500 | 3,547 |
| Average equity | $21,065,500 | 2,946 |
| Average total loans | $85,190,500 | 3,378 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7816% | 1,614 |
| Cost of funding earning assets | 2.1899% | 1,763 |
| Net interest margin | 3.5917% | 1,895 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 3.1460% | 941 |
| Loan and lease loss provision to assets | -0.1400% | 4,396 |
| Net operating income to assets | 0.3848% | 3,705 |
| Return on assets (ROA) | 0.3848% | 3,734 |
| Pretax return on assets | 0.5471% | 3,564 |
| Return on Equity (ROE) | 2.2100% | 3,961 |
| Retained earnings to average equity (ytd only) | 1.8594% | 3,419 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 88.6610% | 562 |
| Assets per employee ($millions) | 5.3500% | 3,402 |
| Cash dividends to net income (ytd only)* | 15.8696% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 971 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.8900% | 2,368 |
| Net loans and leases to deposits | 83.7234% | 1,807 |
| Net loans and leases to core deposits | 117.2297% | 686 |
| Total domestic deposits to total assets | 78.7000% | 3,698 |
| Equity capital to assets | 16.3265% | 440 |
| Core capital (leverage) ratio | 17.5379% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $119,549,800 | 3,624 |
| Average earning assets | $115,349,600 | 3,572 |
| Average equity | $20,813,000 | 2,913 |
| Average total loans | $89,894,000 | 3,300 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7833% | 1,584 |
| Cost of funding earning assets | 2.1032% | 1,971 |
| Net interest margin | 3.6801% | 1,681 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 3.1055% | 966 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | 0.3920% | 3,695 |
| Return on assets (ROA) | 0.3920% | 3,725 |
| Pretax return on assets | 0.5568% | 3,553 |
| Return on Equity (ROE) | 2.2100% | 3,998 |
| Retained earnings to average equity (ytd only) | 1.8740% | 3,497 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 85.2996% | 738 |
| Assets per employee ($millions) | 5.1117% | 3,566 |
| Cash dividends to net income (ytd only)* | 15.3623% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 866 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 72.3800% | 1,563 |
| Net loans and leases to deposits | 92.8087% | 971 |
| Net loans and leases to core deposits | 133.6248% | 334 |
| Total domestic deposits to total assets | 77.9800% | 3,728 |
| Equity capital to assets | 17.2260% | 396 |
| Core capital (leverage) ratio | 18.3569% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $117,337,500 | 3,644 |
| Average earning assets | $113,220,250 | 3,596 |
| Average equity | $20,775,500 | 2,915 |
| Average total loans | $90,892,500 | 3,300 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 1,423 |
| Cost of funding earning assets | 1.9668% | 2,201 |
| Net interest margin | 3.8598% | 1,326 |
| Noninterest income to average assets | 0.1000% | 4,231 |
| Noninterest expense to average assets | 3.2815% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3773% | 3,709 |
| Return on assets (ROA) | 0.3773% | 3,746 |
| Pretax return on assets | 0.5365% | 3,568 |
| Return on Equity (ROE) | 2.1100% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.1107% | 3,313 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 85.9474% | 753 |
| Assets per employee ($millions) | 5.4759% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.3500% | 987 |
| Net loans and leases to deposits | 100.7293% | 514 |
| Net loans and leases to core deposits | 144.7564% | 206 |
| Total domestic deposits to total assets | 76.7900% | 3,819 |
| Equity capital to assets | 18.0427% | 341 |
| Core capital (leverage) ratio | 19.6170% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $115,556,333 | 3,673 |
| Average earning assets | $111,248,667 | 3,627 |
| Average equity | $20,656,333 | 2,885 |
| Average total loans | $91,116,667 | 3,305 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7145% | 1,458 |
| Cost of funding earning assets | 1.8809% | 2,293 |
| Net interest margin | 3.8336% | 1,316 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 3.1872% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4316% | 3,532 |
| Return on assets (ROA) | 0.4316% | 3,552 |
| Pretax return on assets | 0.6112% | 3,366 |
| Return on Equity (ROE) | 2.4300% | 3,948 |
| Retained earnings to average equity (ytd only) | 2.4259% | 3,142 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.9091% | 918 |
| Assets per employee ($millions) | 5.2882% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 871 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 78.5100% | 779 |
| Net loans and leases to deposits | 101.8147% | 406 |
| Net loans and leases to core deposits | 144.3358% | 241 |
| Total domestic deposits to total assets | 77.1100% | 3,896 |
| Equity capital to assets | 17.7428% | 361 |
| Core capital (leverage) ratio | 19.4164% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $115,837,500 | 3,686 |
| Average earning assets | $111,435,500 | 3,637 |
| Average equity | $20,610,500 | 2,904 |
| Average total loans | $91,487,000 | 3,304 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 1,453 |
| Cost of funding earning assets | 1.4383% | 2,112 |
| Net interest margin | 3.8845% | 1,401 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.8630% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6829% | 3,235 |
| Return on assets (ROA) | 0.6829% | 3,212 |
| Pretax return on assets | 0.9696% | 2,751 |
| Return on Equity (ROE) | 4.0000% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.6392% | 3,076 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.7012% | 1,379 |
| Assets per employee ($millions) | 5.0146% | 3,623 |
| Cash dividends to net income (ytd only)* | 9.0683% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 784 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 1,572 |
| Noncurrent loans to loans | 0.4459% | 1,663 |
| Net loans and leases to total assets | 76.8900% | 992 |
| Net loans and leases to deposits | 100.0790% | 533 |
| Net loans and leases to core deposits | 142.1159% | 253 |
| Total domestic deposits to total assets | 76.8300% | 3,864 |
| Equity capital to assets | 17.8428% | 354 |
| Core capital (leverage) ratio | 19.7006% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,882,000 | 3,672 |
| Average earning assets | $113,606,600 | 3,611 |
| Average equity | $20,114,400 | 2,845 |
| Average total loans | $92,237,800 | 3,257 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 51,086.0000% | 19 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0005% | 4,561 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.8291% | 2,922 |
| Pretax return on assets | 1.1767% | 2,351 |
| Return on Equity (ROE) | 4.9100% | 3,824 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.6547% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 1.0000% | 4,567 |
| Equity capital to assets | 135,283.0000% | 5 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $25,317,000 | 4,525 |
| Average earning assets | $4,546 | 4,607 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 1,270 |
| Cost of funding earning assets | 1.2465% | 1,860 |
| Net interest margin | 3.9165% | 1,392 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.4724% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9840% | 2,472 |
| Return on assets (ROA) | 0.9840% | 2,457 |
| Pretax return on assets | 1.3972% | 1,819 |
| Return on Equity (ROE) | 5.9400% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.9385% | 2,646 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.8937% | 2,499 |
| Assets per employee ($millions) | 5.1506% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 888 |
| 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 | 75.2800% | 1,127 |
| Net loans and leases to deposits | 92.0250% | 1,020 |
| Net loans and leases to core deposits | 127.7872% | 359 |
| Total domestic deposits to total assets | 81.8000% | 3,273 |
| Equity capital to assets | 17.1176% | 382 |
| Core capital (leverage) ratio | 18.3055% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $120,530,000 | 3,673 |
| Average earning assets | $116,327,667 | 3,604 |
| Average equity | $19,971,333 | 2,867 |
| Average total loans | $93,814,667 | 3,244 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 1,280 |
| Cost of funding earning assets | 1.1017% | 1,748 |
| Net interest margin | 3.8712% | 1,537 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.7771% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7239% | 3,412 |
| Return on assets (ROA) | 0.7239% | 3,368 |
| Pretax return on assets | 1.0299% | 2,906 |
| Return on Equity (ROE) | 4.4400% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.4404% | 3,145 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9473% | 1,442 |
| Assets per employee ($millions) | 5.0450% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,090 |
| 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 | 76.7300% | 906 |
| Net loans and leases to deposits | 93.3181% | 825 |
| Net loans and leases to core deposits | 128.0673% | 302 |
| Total domestic deposits to total assets | 82.2200% | 3,448 |
| Equity capital to assets | 16.5080% | 370 |
| Core capital (leverage) ratio | 17.5340% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,563,500 | 3,708 |
| Average earning assets | $117,275,500 | 3,641 |
| Average equity | $19,818,000 | 2,911 |
| Average total loans | $95,397,500 | 3,265 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 1,361 |
| Cost of funding earning assets | 0.4725% | 1,569 |
| Net interest margin | 3.6710% | 1,450 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.8064% | 1,303 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.5657% | 3,955 |
| Return on assets (ROA) | 0.5657% | 3,920 |
| Pretax return on assets | 0.8030% | 3,615 |
| Return on Equity (ROE) | 3.7100% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.3434% | 3,612 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.9037% | 929 |
| Assets per employee ($millions) | 5.0853% | 3,605 |
| Cash dividends to net income (ytd only)* | 9.8782% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,461 |
| 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 | 77.8900% | 805 |
| Net loans and leases to deposits | 94.2625% | 764 |
| Net loans and leases to core deposits | 129.6208% | 229 |
| Total domestic deposits to total assets | 82.6300% | 3,506 |
| Equity capital to assets | 16.0988% | 383 |
| Core capital (leverage) ratio | 17.0942% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $130,629,800 | 3,626 |
| Average earning assets | $127,620,600 | 3,552 |
| Average equity | $19,919,800 | 2,958 |
| Average total loans | $97,681,800 | 3,184 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 1,373 |
| Cost of funding earning assets | 0.3720% | 1,507 |
| Net interest margin | 3.5732% | 1,458 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 2.6460% | 1,609 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6246% | 3,769 |
| Return on assets (ROA) | 0.6246% | 3,722 |
| Pretax return on assets | 0.8867% | 3,353 |
| Return on Equity (ROE) | 4.1500% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.7956% | 3,512 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.2254% | 1,253 |
| Assets per employee ($millions) | 5.4018% | 3,327 |
| Cash dividends to net income (ytd only)* | 8.5209% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,706 |
| 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 | 74.3800% | 1,066 |
| Net loans and leases to deposits | 91.8656% | 771 |
| Net loans and leases to core deposits | 123.0023% | 209 |
| Total domestic deposits to total assets | 80.9600% | 3,987 |
| Equity capital to assets | 15.0489% | 450 |
| Core capital (leverage) ratio | 16.4075% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $132,775,750 | 3,631 |
| Average earning assets | $130,113,000 | 3,547 |
| Average equity | $19,987,750 | 3,000 |
| Average total loans | $97,997,000 | 3,189 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7221% | 1,489 |
| Cost of funding earning assets | 0.3274% | 1,460 |
| Net interest margin | 3.3947% | 1,621 |
| Noninterest income to average assets | 0.0643% | 4,600 |
| Noninterest expense to average assets | 2.5706% | 1,720 |
| Loan and lease loss provision to assets | 0.0269% | 2,114 |
| Net operating income to assets | 0.5620% | 3,727 |
| Return on assets (ROA) | 0.5620% | 3,679 |
| Pretax return on assets | 0.7981% | 3,337 |
| Return on Equity (ROE) | 3.7326% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.7326% | 3,189 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7042% | 1,317 |
| Assets per employee ($millions) | 6.1320% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,041 |
| 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 | 76.3464% | 694 |
| Net loans and leases to deposits | 90.2665% | 701 |
| Net loans and leases to core deposits | 110.9767% | 334 |
| Total domestic deposits to total assets | 84.5788% | 3,571 |
| Equity capital to assets | 15.3691% | 375 |
| Core capital (leverage) ratio | 16.0743% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,819,667 | 3,663 |
| Average earning assets | $131,323,333 | 3,579 |
| Average equity | $20,147,000 | 3,053 |
| Average total loans | $98,074,333 | 3,209 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 1,565 |
| Cost of funding earning assets | 0.3764% | 1,018 |
| Net interest margin | 3.2023% | 1,873 |
| Noninterest income to average assets | 0.0645% | 4,622 |
| Noninterest expense to average assets | 2.6756% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3755% | 4,008 |
| Return on assets (ROA) | 0.3755% | 3,973 |
| Pretax return on assets | 0.5339% | 3,801 |
| Return on Equity (ROE) | 2.5191% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.5191% | 3,404 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3638% | 894 |
| Assets per employee ($millions) | 5.5833% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 2,099 |
| 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 | 71.1478% | 913 |
| Net loans and leases to deposits | 83.7901% | 893 |
| Net loans and leases to core deposits | 102.3962% | 436 |
| Total domestic deposits to total assets | 84.9119% | 3,559 |
| Equity capital to assets | 14.9694% | 398 |
| Core capital (leverage) ratio | 15.1252% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,344,000 | 3,655 |
| Average earning assets | $133,904,000 | 3,582 |
| Average equity | $20,325,000 | 3,117 |
| Average total loans | $97,292,000 | 3,226 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 2,219 |
| Cost of funding earning assets | 0.5193% | 853 |
| Net interest margin | 3.1421% | 2,759 |
| Noninterest income to average assets | 0.0601% | 4,707 |
| Noninterest expense to average assets | 2.7584% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2678% | 4,461 |
| Return on assets (ROA) | 0.2842% | 4,467 |
| Pretax return on assets | 0.4023% | 4,388 |
| Return on Equity (ROE) | 1.9362% | 4,504 |
| Retained earnings to average equity (ytd only) | 1.5802% | 4,097 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8477% | 396 |
| Assets per employee ($millions) | 5.7787% | 2,982 |
| Cash dividends to net income (ytd only)* | 18.3879% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 2,200 |
| 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 | 69.6729% | 1,080 |
| Net loans and leases to deposits | 81.8944% | 1,074 |
| Net loans and leases to core deposits | 114.6580% | 221 |
| Total domestic deposits to total assets | 85.0766% | 3,248 |
| Equity capital to assets | 14.8470% | 512 |
| Core capital (leverage) ratio | 14.9692% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,683,000 | 3,585 |
| Average earning assets | $136,912,800 | 3,509 |
| Average equity | $20,504,000 | 3,171 |
| Average total loans | $98,694,600 | 3,212 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 2,463 |
| Cost of funding earning assets | 0.5330% | 901 |
| Net interest margin | 3.1014% | 3,050 |
| Noninterest income to average assets | 0.0629% | 4,772 |
| Noninterest expense to average assets | 2.8489% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1716% | 4,650 |
| Return on assets (ROA) | 0.1934% | 4,651 |
| Pretax return on assets | 0.2801% | 4,607 |
| Return on Equity (ROE) | 1.3214% | 4,667 |
| Retained earnings to average equity (ytd only) | 0.9764% | 4,417 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8587% | 275 |
| Assets per employee ($millions) | 5.5302% | 3,166 |
| Cash dividends to net income (ytd only)* | 26.1084% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,436 |
| 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 | 71.2413% | 957 |
| Net loans and leases to deposits | 83.7214% | 980 |
| Net loans and leases to core deposits | 117.5416% | 209 |
| Total domestic deposits to total assets | 85.0934% | 3,082 |
| Equity capital to assets | 14.8083% | 569 |
| Core capital (leverage) ratio | 15.0208% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,931,750 | 3,628 |
| Average earning assets | $137,094,750 | 3,540 |
| Average equity | $20,482,250 | 3,208 |
| Average total loans | $98,884,000 | 3,259 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 2,634 |
| Cost of funding earning assets | 0.5501% | 940 |
| Net interest margin | 3.0457% | 3,189 |
| Noninterest income to average assets | 0.0641% | 4,805 |
| Noninterest expense to average assets | 2.8529% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1311% | 4,684 |
| Return on assets (ROA) | 0.1637% | 4,678 |
| Pretax return on assets | 0.2320% | 4,650 |
| Return on Equity (ROE) | 1.1228% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.1228% | 4,316 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7325% | 261 |
| Assets per employee ($millions) | 5.4900% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.1464% | 949 |
| Net loans and leases to deposits | 84.8269% | 1,003 |
| Net loans and leases to core deposits | 119.3110% | 222 |
| Total domestic deposits to total assets | 85.0514% | 3,073 |
| Equity capital to assets | 14.8984% | 544 |
| Core capital (leverage) ratio | 14.8914% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,491,000 | 3,631 |
| Average earning assets | $137,441,000 | 3,545 |
| Average equity | $20,485,333 | 3,207 |
| Average total loans | $98,577,667 | 3,273 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 2,883 |
| Cost of funding earning assets | 0.5925% | 904 |
| Net interest margin | 2.9195% | 3,470 |
| Noninterest income to average assets | 0.0619% | 4,819 |
| Noninterest expense to average assets | 2.8231% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0774% | 4,728 |
| Return on assets (ROA) | 0.1435% | 4,696 |
| Pretax return on assets | 0.1773% | 4,685 |
| Return on Equity (ROE) | 0.9949% | 4,711 |
| Retained earnings to average equity (ytd only) | 0.9949% | 4,219 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7213% | 237 |
| Assets per employee ($millions) | 5.6872% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,285 |
| 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 | 68.1807% | 1,507 |
| Net loans and leases to deposits | 83.1161% | 1,234 |
| Net loans and leases to core deposits | 116.5144% | 284 |
| Total domestic deposits to total assets | 82.0307% | 3,888 |
| Equity capital to assets | 14.3880% | 592 |
| Core capital (leverage) ratio | 14.4917% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,111,500 | 3,613 |
| Average earning assets | $139,066,000 | 3,526 |
| Average equity | $20,504,000 | 3,201 |
| Average total loans | $97,701,500 | 3,292 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 3,191 |
| Cost of funding earning assets | 0.8137% | 1,155 |
| Net interest margin | 3.0257% | 3,829 |
| Noninterest income to average assets | 0.0594% | 4,845 |
| Noninterest expense to average assets | 2.6762% | 2,307 |
| Loan and lease loss provision to assets | 0.1238% | 2,817 |
| Net operating income to assets | 0.1444% | 4,632 |
| Return on assets (ROA) | 0.2519% | 4,562 |
| Pretax return on assets | 0.3591% | 4,472 |
| Return on Equity (ROE) | 1.7023% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.3696% | 4,080 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5297% | 426 |
| Assets per employee ($millions) | 5.6817% | 2,651 |
| Cash dividends to net income (ytd only)* | 19.5402% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 2,202 |
| 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 | 67.4765% | 1,889 |
| Net loans and leases to deposits | 82.3382% | 1,627 |
| Net loans and leases to core deposits | 104.5111% | 704 |
| Total domestic deposits to total assets | 81.9504% | 3,674 |
| Equity capital to assets | 14.4683% | 686 |
| Core capital (leverage) ratio | 14.3392% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,141,200 | 3,536 |
| Average earning assets | $135,306,400 | 3,441 |
| Average equity | $20,443,200 | 3,144 |
| Average total loans | $96,830,800 | 3,279 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 3,300 |
| Cost of funding earning assets | 0.8690% | 1,183 |
| Net interest margin | 3.0167% | 3,934 |
| Noninterest income to average assets | 0.0603% | 4,874 |
| Noninterest expense to average assets | 2.6731% | 2,334 |
| Loan and lease loss provision to assets | 0.1662% | 2,336 |
| Net operating income to assets | 0.1115% | 4,689 |
| Return on assets (ROA) | 0.2236% | 4,599 |
| Pretax return on assets | 0.3188% | 4,526 |
| Return on Equity (ROE) | 1.5020% | 4,622 |
| Retained earnings to average equity (ytd only) | 1.1559% | 4,200 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6239% | 400 |
| Assets per employee ($millions) | 5.8622% | 2,389 |
| Cash dividends to net income (ytd only)* | 23.0435% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,111 |
| 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 | 67.1636% | 2,367 |
| Net loans and leases to deposits | 84.9363% | 1,815 |
| Net loans and leases to core deposits | 107.5020% | 787 |
| Total domestic deposits to total assets | 79.0753% | 4,049 |
| Equity capital to assets | 13.9682% | 864 |
| Core capital (leverage) ratio | 14.1175% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,166,000 | 3,539 |
| Average earning assets | $134,404,750 | 3,442 |
| Average equity | $20,416,250 | 3,143 |
| Average total loans | $96,750,000 | 3,293 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 3,295 |
| Cost of funding earning assets | 0.9372% | 1,203 |
| Net interest margin | 3.0734% | 3,960 |
| Noninterest income to average assets | 0.0582% | 4,891 |
| Noninterest expense to average assets | 2.7500% | 2,216 |
| Loan and lease loss provision to assets | 0.2179% | 1,915 |
| Net operating income to assets | 0.0554% | 4,726 |
| Return on assets (ROA) | 0.2134% | 4,598 |
| Pretax return on assets | 0.3044% | 4,533 |
| Return on Equity (ROE) | 1.4021% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.4021% | 3,972 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5095% | 394 |
| Assets per employee ($millions) | 5.6584% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 1,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.2348% | 2,311 |
| Net loans and leases to deposits | 87.0850% | 1,655 |
| Net loans and leases to core deposits | 111.4260% | 688 |
| Total domestic deposits to total assets | 78.3543% | 4,138 |
| Equity capital to assets | 14.4521% | 746 |
| Core capital (leverage) ratio | 14.6523% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,036,667 | 3,553 |
| Average earning assets | $131,449,333 | 3,457 |
| Average equity | $20,398,000 | 3,140 |
| Average total loans | $95,753,333 | 3,305 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,837 |
| Cost of funding earning assets | 1.0167% | 1,350 |
| Net interest margin | 3.3097% | 3,566 |
| Noninterest income to average assets | 0.0675% | 4,927 |
| Noninterest expense to average assets | 2.8851% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2705% | 4,411 |
| Return on assets (ROA) | 0.5954% | 3,664 |
| Pretax return on assets | 0.8410% | 3,307 |
| Return on Equity (ROE) | 3.8086% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.8086% | 2,750 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0370% | 632 |
| Assets per employee ($millions) | 5.0750% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.9962% | 1,919 |
| Net loans and leases to deposits | 85.3686% | 2,072 |
| Net loans and leases to core deposits | 109.1742% | 894 |
| Total domestic deposits to total assets | 84.3357% | 2,657 |
| Equity capital to assets | 15.5210% | 666 |
| Core capital (leverage) ratio | 15.9211% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,325,000 | 3,582 |
| Average earning assets | $127,866,500 | 3,474 |
| Average equity | $20,375,000 | 3,134 |
| Average total loans | $94,725,500 | 3,307 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 1,942 |
| Cost of funding earning assets | 0.8832% | 2,268 |
| Net interest margin | 3.9502% | 1,996 |
| Noninterest income to average assets | 0.0742% | 4,987 |
| Noninterest expense to average assets | 3.3008% | 1,296 |
| Loan and lease loss provision to assets | -0.0053% | 4,921 |
| Net operating income to assets | 0.4531% | 4,501 |
| Return on assets (ROA) | 0.4838% | 4,491 |
| Pretax return on assets | 0.6868% | 4,234 |
| Return on Equity (ROE) | 2.7310% | 4,702 |
| Retained earnings to average equity (ytd only) | 2.3672% | 3,839 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7027% | 675 |
| Assets per employee ($millions) | 4.4379% | 3,320 |
| Cash dividends to net income (ytd only)* | 13.3212% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.6208% | 2,147 |
| Net loans and leases to deposits | 85.1621% | 2,189 |
| Net loans and leases to core deposits | 104.1937% | 1,218 |
| Total domestic deposits to total assets | 84.0995% | 2,819 |
| Equity capital to assets | 15.7498% | 649 |
| Core capital (leverage) ratio | 15.8719% | 543 |
| Tier 1 risk-based capital ratio | 21.1334% | 1,143 |
| Total risk-based capital ratio | 22.3481% | 1,123 |
| Memoranda: | ||
| Average total assets | $113,274,400 | 3,785 |
| Average earning assets | $110,956,400 | 3,693 |
| Average equity | $20,065,600 | 3,124 |
| Average total loans | $89,336,600 | 3,411 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 1,866 |
| Cost of funding earning assets | 0.7766% | 2,833 |
| Net interest margin | 4.1058% | 1,595 |
| Noninterest income to average assets | 0.0743% | 5,062 |
| Noninterest expense to average assets | 3.2352% | 1,398 |
| Loan and lease loss provision to assets | 0.0536% | 2,836 |
| Net operating income to assets | 0.5496% | 4,403 |
| Return on assets (ROA) | 0.5496% | 4,461 |
| Pretax return on assets | 0.8055% | 4,105 |
| Return on Equity (ROE) | 3.0044% | 4,762 |
| Retained earnings to average equity (ytd only) | 3.0044% | 3,884 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0179% | 1,013 |
| Assets per employee ($millions) | 4.3886% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 1,867 |
| 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 | 72.0407% | 2,171 |
| Net loans and leases to deposits | 86.3962% | 2,146 |
| Net loans and leases to core deposits | 106.6463% | 1,137 |
| Total domestic deposits to total assets | 83.3841% | 3,029 |
| Equity capital to assets | 16.5264% | 554 |
| Core capital (leverage) ratio | 18.2025% | 338 |
| Tier 1 risk-based capital ratio | 22.0455% | 1,067 |
| Total risk-based capital ratio | 23.2956% | 1,039 |
| Memoranda: | ||
| Average total assets | $109,418,000 | 3,881 |
| Average earning assets | $107,130,500 | 3,802 |
| Average equity | $20,014,500 | 3,151 |
| Average total loans | $88,342,250 | 3,476 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 1,473 |
| Cost of funding earning assets | 0.7172% | 3,069 |
| Net interest margin | 4.2876% | 1,173 |
| Noninterest income to average assets | 0.0762% | 5,108 |
| Noninterest expense to average assets | 3.3317% | 1,228 |
| Loan and lease loss provision to assets | 0.0839% | 2,169 |
| Net operating income to assets | 0.5852% | 4,344 |
| Return on assets (ROA) | 0.5852% | 4,384 |
| Pretax return on assets | 0.8539% | 3,963 |
| Return on Equity (ROE) | 3.0828% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.0828% | 3,677 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0357% | 1,147 |
| Assets per employee ($millions) | 3.5792% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 1,919 |
| 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 | 82.5872% | 528 |
| Net loans and leases to deposits | 101.7416% | 561 |
| Net loans and leases to core deposits | 131.1941% | 304 |
| Total domestic deposits to total assets | 81.1735% | 3,757 |
| Equity capital to assets | 18.7567% | 309 |
| Core capital (leverage) ratio | 19.0607% | 272 |
| Tier 1 risk-based capital ratio | 21.6959% | 1,092 |
| Total risk-based capital ratio | 22.9458% | 1,069 |
| Memoranda: | ||
| Average total assets | $104,930,000 | 3,981 |
| Average earning assets | $102,622,000 | 3,888 |
| Average equity | $19,916,670 | 3,155 |
| Average total loans | $87,885,330 | 3,504 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 1,441 |
| Cost of funding earning assets | 0.6471% | 3,334 |
| Net interest margin | 4.3127% | 1,071 |
| Noninterest income to average assets | 0.0733% | 5,159 |
| Noninterest expense to average assets | 3.4057% | 1,103 |
| Loan and lease loss provision to assets | 0.1350% | 1,283 |
| Net operating income to assets | 0.4860% | 4,557 |
| Return on assets (ROA) | 0.4860% | 4,578 |
| Pretax return on assets | 0.7483% | 4,177 |
| Return on Equity (ROE) | 2.5448% | 4,885 |
| Retained earnings to average equity (ytd only) | 2.5448% | 3,910 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4065% | 1,115 |
| Assets per employee ($millions) | 3.8578% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 1,939 |
| 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 | 83.6791% | 399 |
| Net loans and leases to deposits | 103.5991% | 413 |
| Net loans and leases to core deposits | 133.2513% | 268 |
| Total domestic deposits to total assets | 80.7721% | 4,007 |
| Equity capital to assets | 19.1204% | 274 |
| Core capital (leverage) ratio | 19.2179% | 268 |
| Tier 1 risk-based capital ratio | 22.0994% | 1,043 |
| Total risk-based capital ratio | 23.3496% | 1,017 |
| Memoranda: | ||
| Average total assets | $103,707,500 | 4,044 |
| Average earning assets | $101,375,500 | 3,952 |
| Average equity | $19,805,000 | 3,180 |
| Average total loans | $86,895,000 | 3,563 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,889 |
| Cost of funding earning assets | 0.5930% | 2,777 |
| Net interest margin | 4.0896% | 1,711 |
| Noninterest income to average assets | 0.0675% | 5,233 |
| Noninterest expense to average assets | 3.0033% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7522% | 3,963 |
| Return on assets (ROA) | 0.7522% | 3,965 |
| Pretax return on assets | 1.0695% | 3,376 |
| Return on Equity (ROE) | 4.2646% | 4,638 |
| Retained earnings to average equity (ytd only) | 3.9906% | 3,376 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7408% | 1,659 |
| Assets per employee ($millions) | 3.5605% | 4,488 |
| Cash dividends to net income (ytd only)* | 6.4242% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 1,871 |
| 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 | 81.6482% | 707 |
| Net loans and leases to deposits | 101.1264% | 660 |
| Net loans and leases to core deposits | 128.6294% | 346 |
| Total domestic deposits to total assets | 80.7388% | 3,945 |
| Equity capital to assets | 19.0734% | 269 |
| Core capital (leverage) ratio | 18.6978% | 278 |
| Tier 1 risk-based capital ratio | 22.5535% | 963 |
| Total risk-based capital ratio | 23.8034% | 938 |
| Memoranda: | ||
| Average total assets | $109,678,400 | 3,948 |
| Average earning assets | $107,417,800 | 3,846 |
| Average equity | $19,345,400 | 3,153 |
| Average total loans | $83,098,400 | 3,610 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 1,974 |
| Cost of funding earning assets | 0.5780% | 2,646 |
| Net interest margin | 4.0207% | 1,892 |
| Noninterest income to average assets | 0.0683% | 5,300 |
| Noninterest expense to average assets | 2.8707% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8003% | 3,898 |
| Return on assets (ROA) | 0.8003% | 3,904 |
| Pretax return on assets | 1.1394% | 3,247 |
| Return on Equity (ROE) | 4.6247% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.2578% | 3,642 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5865% | 1,953 |
| Assets per employee ($millions) | 4.0083% | 3,874 |
| Cash dividends to net income (ytd only)* | 7.9336% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,475 |
| 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 | 68.6340% | 2,845 |
| Net loans and leases to deposits | 83.2289% | 2,684 |
| Net loans and leases to core deposits | 103.2421% | 1,513 |
| Total domestic deposits to total assets | 82.4642% | 3,472 |
| Equity capital to assets | 17.4031% | 391 |
| Core capital (leverage) ratio | 17.3425% | 384 |
| Tier 1 risk-based capital ratio | 24.2257% | 820 |
| Total risk-based capital ratio | 25.4777% | 799 |
| Memoranda: | ||
| Average total assets | $111,284,500 | 3,963 |
| Average earning assets | $109,099,750 | 3,859 |
| Average equity | $19,258,250 | 3,180 |
| Average total loans | $82,510,500 | 3,645 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 1,927 |
| Cost of funding earning assets | 0.5685% | 2,444 |
| Net interest margin | 3.9848% | 1,912 |
| Noninterest income to average assets | 0.0685% | 5,355 |
| Noninterest expense to average assets | 2.8405% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7966% | 3,868 |
| Return on assets (ROA) | 0.7966% | 3,870 |
| Pretax return on assets | 1.1319% | 3,189 |
| Return on Equity (ROE) | 4.6121% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.6121% | 3,280 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5064% | 2,086 |
| Assets per employee ($millions) | 3.8994% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,785 |
| 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 | 74.3880% | 1,886 |
| Net loans and leases to deposits | 90.5310% | 1,777 |
| Net loans and leases to core deposits | 114.5204% | 772 |
| Total domestic deposits to total assets | 82.1685% | 3,661 |
| Equity capital to assets | 17.7528% | 349 |
| Core capital (leverage) ratio | 17.6344% | 338 |
| Tier 1 risk-based capital ratio | 22.9605% | 938 |
| Total risk-based capital ratio | 24.2108% | 919 |
| Memoranda: | ||
| Average total assets | $110,968,330 | 4,003 |
| Average earning assets | $108,713,000 | 3,897 |
| Average equity | $19,167,000 | 3,206 |
| Average total loans | $83,955,670 | 3,643 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 2,652 |
| Cost of funding earning assets | 0.5400% | 2,480 |
| Net interest margin | 3.7253% | 2,704 |
| Noninterest income to average assets | 0.0751% | 5,412 |
| Noninterest expense to average assets | 2.8535% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6115% | 4,392 |
| Return on assets (ROA) | 0.6115% | 4,398 |
| Pretax return on assets | 0.8725% | 3,937 |
| Return on Equity (ROE) | 3.5889% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.5889% | 3,767 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5835% | 1,506 |
| Assets per employee ($millions) | 4.3085% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,007 |
| 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 | 74.4836% | 1,790 |
| Net loans and leases to deposits | 89.9688% | 1,697 |
| Net loans and leases to core deposits | 112.4092% | 869 |
| Total domestic deposits to total assets | 82.7882% | 3,725 |
| Equity capital to assets | 17.0797% | 393 |
| Core capital (leverage) ratio | 17.2061% | 360 |
| Tier 1 risk-based capital ratio | 22.1066% | 1,037 |
| Total risk-based capital ratio | 23.3567% | 1,020 |
| Memoranda: | ||
| Average total assets | $111,861,000 | 4,031 |
| Average earning assets | $109,629,500 | 3,920 |
| Average equity | $19,059,000 | 3,244 |
| Average total loans | $84,751,500 | 3,657 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 2,882 |
| Cost of funding earning assets | 0.5210% | 2,170 |
| Net interest margin | 3.6291% | 3,067 |
| Noninterest income to average assets | 0.0813% | 5,454 |
| Noninterest expense to average assets | 2.7524% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5261% | 4,306 |
| Return on assets (ROA) | 0.5261% | 4,338 |
| Pretax return on assets | 0.8886% | 3,950 |
| Return on Equity (ROE) | 3.1804% | 4,783 |
| Retained earnings to average equity (ytd only) | 2.8971% | 3,575 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5949% | 1,682 |
| Assets per employee ($millions) | 4.1370% | 3,763 |
| Cash dividends to net income (ytd only)* | 8.9076% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,980 |
| 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 | 75.0000% | 1,752 |
| Net loans and leases to deposits | 90.4903% | 1,713 |
| Net loans and leases to core deposits | 108.5829% | 1,094 |
| Total domestic deposits to total assets | 82.8818% | 3,602 |
| Equity capital to assets | 16.9964% | 400 |
| Core capital (leverage) ratio | 16.8222% | 380 |
| Tier 1 risk-based capital ratio | 22.1680% | 1,000 |
| Total risk-based capital ratio | 23.4185% | 974 |
| Memoranda: | ||
| Average total assets | $113,103,000 | 4,007 |
| Average earning assets | $110,936,000 | 3,899 |
| Average equity | $18,708,600 | 3,271 |
| Average total loans | $83,172,600 | 3,677 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 3,106 |
| Cost of funding earning assets | 0.5086% | 2,197 |
| Net interest margin | 3.5582% | 3,296 |
| Noninterest income to average assets | 0.0776% | 5,539 |
| Noninterest expense to average assets | 2.7253% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5312% | 4,649 |
| Return on assets (ROA) | 0.5312% | 4,680 |
| Pretax return on assets | 0.8461% | 4,222 |
| Return on Equity (ROE) | 3.2332% | 5,056 |
| Retained earnings to average equity (ytd only) | 2.8541% | 4,206 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3080% | 1,542 |
| Assets per employee ($millions) | 3.9166% | 4,123 |
| Cash dividends to net income (ytd only)* | 11.7249% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 72.7598% | 2,136 |
| Net loans and leases to deposits | 87.3807% | 2,140 |
| Net loans and leases to core deposits | 104.3908% | 1,359 |
| Total domestic deposits to total assets | 83.2676% | 3,371 |
| Equity capital to assets | 16.5898% | 477 |
| Core capital (leverage) ratio | 16.5352% | 426 |
| Tier 1 risk-based capital ratio | 21.6454% | 1,095 |
| Total risk-based capital ratio | 22.8975% | 1,074 |
| Memoranda: | ||
| Average total assets | $113,453,750 | 4,046 |
| Average earning assets | $111,403,250 | 3,929 |
| Average equity | $18,639,500 | 3,313 |
| Average total loans | $82,735,750 | 3,707 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,071 |
| Cost of funding earning assets | 0.4975% | 2,175 |
| Net interest margin | 3.5361% | 3,273 |
| Noninterest income to average assets | 0.0811% | 5,572 |
| Noninterest expense to average assets | 2.6347% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5590% | 4,478 |
| Return on assets (ROA) | 0.5590% | 4,524 |
| Pretax return on assets | 0.9188% | 3,868 |
| Return on Equity (ROE) | 3.4138% | 4,996 |
| Retained earnings to average equity (ytd only) | 2.8430% | 4,016 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1439% | 1,983 |
| Assets per employee ($millions) | 4.0144% | 3,932 |
| Cash dividends to net income (ytd only)* | 16.7192% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 2,026 |
| 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 | 72.4898% | 2,124 |
| Net loans and leases to deposits | 87.0448% | 2,099 |
| Net loans and leases to core deposits | 103.4023% | 1,400 |
| Total domestic deposits to total assets | 83.2788% | 3,476 |
| Equity capital to assets | 16.6438% | 445 |
| Core capital (leverage) ratio | 16.7052% | 394 |
| Tier 1 risk-based capital ratio | 22.3201% | 1,012 |
| Total risk-based capital ratio | 23.5716% | 994 |
| Memoranda: | ||
| Average total assets | $113,411,000 | 4,071 |
| Average earning assets | $111,367,000 | 3,954 |
| Average equity | $18,571,670 | 3,322 |
| Average total loans | $82,403,330 | 3,731 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 2,340 |
| Cost of funding earning assets | 0.4974% | 2,110 |
| Net interest margin | 3.6823% | 2,551 |
| Noninterest income to average assets | 0.0843% | 5,631 |
| Noninterest expense to average assets | 2.6722% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6040% | 4,141 |
| Return on assets (ROA) | 0.6040% | 4,195 |
| Pretax return on assets | 1.0253% | 3,260 |
| Return on Equity (ROE) | 3.7182% | 4,875 |
| Retained earnings to average equity (ytd only) | 2.5725% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2697% | 2,526 |
| Assets per employee ($millions) | 4.0531% | 3,923 |
| Cash dividends to net income (ytd only)* | 30.8140% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,991 |
| 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 | 69.9252% | 2,389 |
| Net loans and leases to deposits | 83.7911% | 2,307 |
| Net loans and leases to core deposits | 100.3896% | 1,478 |
| Total domestic deposits to total assets | 83.4518% | 3,675 |
| Equity capital to assets | 16.3569% | 446 |
| Core capital (leverage) ratio | 16.3285% | 424 |
| Tier 1 risk-based capital ratio | 22.8893% | 990 |
| Total risk-based capital ratio | 24.1409% | 970 |
| Memoranda: | ||
| Average total assets | $113,915,500 | 4,096 |
| Average earning assets | $111,778,500 | 3,981 |
| Average equity | $18,503,500 | 3,346 |
| Average total loans | $82,294,000 | 3,758 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,094 |
| Cost of funding earning assets | 0.5048% | 2,050 |
| Net interest margin | 3.2344% | 4,350 |
| Noninterest income to average assets | 0.0914% | 5,665 |
| Noninterest expense to average assets | 2.5390% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3915% | 4,972 |
| Return on assets (ROA) | 0.3915% | 5,054 |
| Pretax return on assets | 0.7296% | 4,392 |
| Return on Equity (ROE) | 2.4940% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.4940% | 4,093 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6781% | 1,742 |
| Assets per employee ($millions) | 4.0837% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,259 |
| 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 | 72.5381% | 2,086 |
| Net loans and leases to deposits | 86.5775% | 2,097 |
| Net loans and leases to core deposits | 103.4873% | 1,321 |
| Total domestic deposits to total assets | 83.7840% | 3,508 |
| Equity capital to assets | 16.1303% | 483 |
| Core capital (leverage) ratio | 16.1183% | 445 |
| Tier 1 risk-based capital ratio | 21.7682% | 1,113 |
| Total risk-based capital ratio | 23.0193% | 1,088 |
| Memoranda: | ||
| Average total assets | $115,951,600 | 4,067 |
| Average earning assets | $113,899,200 | 3,930 |
| Average equity | $18,203,600 | 3,378 |
| Average total loans | $82,591,200 | 3,751 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,289 |
| Cost of funding earning assets | 0.5048% | 2,058 |
| Net interest margin | 3.1835% | 4,529 |
| Noninterest income to average assets | 0.0997% | 5,716 |
| Noninterest expense to average assets | 2.4935% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3885% | 5,057 |
| Return on assets (ROA) | 0.3885% | 5,149 |
| Pretax return on assets | 0.7357% | 4,512 |
| Return on Equity (ROE) | 2.4912% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.4912% | 4,428 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2179% | 1,806 |
| Assets per employee ($millions) | 4.2126% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 2,477 |
| 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 | 73.9898% | 1,870 |
| Net loans and leases to deposits | 88.4224% | 1,957 |
| Net loans and leases to core deposits | 105.7728% | 1,206 |
| Total domestic deposits to total assets | 83.6777% | 3,327 |
| Equity capital to assets | 16.1148% | 534 |
| Core capital (leverage) ratio | 16.0591% | 462 |
| Tier 1 risk-based capital ratio | 21.3463% | 1,215 |
| Total risk-based capital ratio | 22.5971% | 1,198 |
| Memoranda: | ||
| Average total assets | $116,353,500 | 4,081 |
| Average earning assets | $114,376,750 | 3,942 |
| Average equity | $18,143,500 | 3,408 |
| Average total loans | $82,217,000 | 3,774 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 4,591 |
| Cost of funding earning assets | 0.5035% | 2,077 |
| Net interest margin | 3.0959% | 4,843 |
| Noninterest income to average assets | 0.0990% | 5,783 |
| Noninterest expense to average assets | 2.4705% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3395% | 5,208 |
| Return on assets (ROA) | 0.3395% | 5,296 |
| Pretax return on assets | 0.6705% | 4,707 |
| Return on Equity (ROE) | 2.2011% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.2011% | 4,472 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6529% | 1,697 |
| Assets per employee ($millions) | 4.2274% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,475 |
| 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 | 71.9890% | 2,173 |
| Net loans and leases to deposits | 85.8359% | 2,263 |
| Net loans and leases to core deposits | 103.7095% | 1,341 |
| Total domestic deposits to total assets | 83.8682% | 3,323 |
| Equity capital to assets | 15.9356% | 556 |
| Core capital (leverage) ratio | 15.6583% | 504 |
| Tier 1 risk-based capital ratio | 21.1904% | 1,245 |
| Total risk-based capital ratio | 22.4416% | 1,224 |
| Memoranda: | ||
| Average total assets | $117,224,670 | 4,103 |
| Average earning assets | $115,185,330 | 3,959 |
| Average equity | $18,081,670 | 3,430 |
| Average total loans | $81,189,000 | 3,818 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 4,770 |
| Cost of funding earning assets | 0.4973% | 2,133 |
| Net interest margin | 3.0490% | 5,001 |
| Noninterest income to average assets | 0.1078% | 5,798 |
| Noninterest expense to average assets | 2.5327% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2560% | 5,424 |
| Return on assets (ROA) | 0.2560% | 5,492 |
| Pretax return on assets | 0.5692% | 4,903 |
| Return on Equity (ROE) | 1.6863% | 5,581 |
| Retained earnings to average equity (ytd only) | 1.6863% | 4,599 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6504% | 1,403 |
| Assets per employee ($millions) | 4.5409% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 2,372 |
| 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 | 67.4225% | 2,745 |
| Net loans and leases to deposits | 79.9857% | 2,789 |
| Net loans and leases to core deposits | 95.4288% | 1,848 |
| Total domestic deposits to total assets | 84.2931% | 3,398 |
| Equity capital to assets | 15.3020% | 635 |
| Core capital (leverage) ratio | 15.2173% | 571 |
| Tier 1 risk-based capital ratio | 21.8860% | 1,176 |
| Total risk-based capital ratio | 23.1374% | 1,156 |
| Memoranda: | ||
| Average total assets | $118,766,500 | 4,102 |
| Average earning assets | $116,627,500 | 3,964 |
| Average equity | $18,028,000 | 3,431 |
| Average total loans | $80,131,500 | 3,855 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3596% | 5,245 |
| Cost of funding earning assets | 0.5003% | 2,153 |
| Net interest margin | 2.8593% | 5,400 |
| Noninterest income to average assets | 0.1026% | 5,868 |
| Noninterest expense to average assets | 2.2081% | 5,034 |
| Loan and lease loss provision to assets | -0.0827% | 5,820 |
| Net operating income to assets | 0.4615% | 4,842 |
| Return on assets (ROA) | 0.4615% | 4,918 |
| Pretax return on assets | 0.7848% | 4,242 |
| Return on Equity (ROE) | 3.1463% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.8474% | 4,045 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8738% | 2,294 |
| Assets per employee ($millions) | 4.5959% | 2,884 |
| Cash dividends to net income (ytd only)* | 9.4982% | 4,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 2,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 65.5921% | 3,045 |
| Net loans and leases to deposits | 77.4425% | 3,110 |
| Net loans and leases to core deposits | 91.8851% | 2,235 |
| Total domestic deposits to total assets | 84.6978% | 3,207 |
| Equity capital to assets | 15.0553% | 657 |
| Core capital (leverage) ratio | 15.0152% | 613 |
| Tier 1 risk-based capital ratio | 22.4701% | 1,089 |
| Total risk-based capital ratio | 23.7229% | 1,068 |
| Memoranda: | ||
| Average total assets | $120,916,600 | 4,050 |
| Average earning assets | $118,734,400 | 3,908 |
| Average equity | $17,735,200 | 3,418 |
| Average total loans | $80,483,000 | 3,811 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3234% | 5,369 |
| Cost of funding earning assets | 0.5004% | 2,203 |
| Net interest margin | 2.8230% | 5,542 |
| Noninterest income to average assets | 0.1000% | 5,967 |
| Noninterest expense to average assets | 2.1615% | 5,142 |
| Loan and lease loss provision to assets | -0.1099% | 6,010 |
| Net operating income to assets | 0.4826% | 4,847 |
| Return on assets (ROA) | 0.4826% | 4,946 |
| Pretax return on assets | 0.8213% | 4,271 |
| Return on Equity (ROE) | 3.3122% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.9123% | 4,375 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2392% | 2,362 |
| Assets per employee ($millions) | 4.6033% | 2,829 |
| Cash dividends to net income (ytd only)* | 12.0720% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 2,625 |
| 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 | 67.5169% | 2,768 |
| Net loans and leases to deposits | 79.5803% | 2,927 |
| Net loans and leases to core deposits | 94.9253% | 1,987 |
| Total domestic deposits to total assets | 84.8413% | 3,079 |
| Equity capital to assets | 14.9314% | 752 |
| Core capital (leverage) ratio | 14.8939% | 655 |
| Tier 1 risk-based capital ratio | 21.6115% | 1,248 |
| Total risk-based capital ratio | 22.8632% | 1,229 |
| Memoranda: | ||
| Average total assets | $121,272,500 | 4,095 |
| Average earning assets | $119,113,250 | 3,934 |
| Average equity | $17,671,500 | 3,451 |
| Average total loans | $80,723,000 | 3,833 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 5,482 |
| Cost of funding earning assets | 0.4997% | 2,255 |
| Net interest margin | 2.7774% | 5,663 |
| Noninterest income to average assets | 0.1002% | 6,028 |
| Noninterest expense to average assets | 2.1445% | 5,241 |
| Loan and lease loss provision to assets | -0.1642% | 6,149 |
| Net operating income to assets | 0.4992% | 4,770 |
| Return on assets (ROA) | 0.4992% | 4,876 |
| Pretax return on assets | 0.8489% | 4,133 |
| Return on Equity (ROE) | 3.4536% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.8515% | 4,220 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7980% | 2,398 |
| Assets per employee ($millions) | 4.6744% | 2,709 |
| Cash dividends to net income (ytd only)* | 17.4342% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 2,632 |
| 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 | 64.7407% | 3,162 |
| Net loans and leases to deposits | 76.0213% | 3,268 |
| Net loans and leases to core deposits | 91.3123% | 2,210 |
| Total domestic deposits to total assets | 85.1614% | 3,059 |
| Equity capital to assets | 14.5934% | 802 |
| Core capital (leverage) ratio | 14.5825% | 693 |
| Tier 1 risk-based capital ratio | 21.7726% | 1,236 |
| Total risk-based capital ratio | 23.0248% | 1,222 |
| Memoranda: | ||
| Average total assets | $121,801,000 | 4,121 |
| Average earning assets | $119,682,000 | 3,953 |
| Average equity | $17,605,000 | 3,477 |
| Average total loans | $80,313,000 | 3,866 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 5,548 |
| Cost of funding earning assets | 0.4977% | 2,302 |
| Net interest margin | 2.7559% | 5,730 |
| Noninterest income to average assets | 0.1083% | 6,045 |
| Noninterest expense to average assets | 2.2373% | 5,051 |
| Loan and lease loss provision to assets | -0.3280% | 6,316 |
| Net operating income to assets | 0.5314% | 4,540 |
| Return on assets (ROA) | 0.5314% | 4,654 |
| Pretax return on assets | 0.9054% | 3,868 |
| Return on Equity (ROE) | 3.6945% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.4858% | 4,442 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4872% | 1,963 |
| Assets per employee ($millions) | 4.6748% | 2,802 |
| Cash dividends to net income (ytd only)* | 32.7160% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 2,669 |
| 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 | 63.9053% | 3,100 |
| Net loans and leases to deposits | 74.8367% | 3,176 |
| Net loans and leases to core deposits | 89.3204% | 2,196 |
| Total domestic deposits to total assets | 85.3929% | 3,223 |
| Equity capital to assets | 14.4754% | 840 |
| Core capital (leverage) ratio | 14.3314% | 729 |
| Tier 1 risk-based capital ratio | 22.1205% | 1,220 |
| Total risk-based capital ratio | 23.3728% | 1,207 |
| Memoranda: | ||
| Average total assets | $121,934,500 | 4,150 |
| Average earning assets | $119,742,500 | 3,980 |
| Average equity | $17,539,500 | 3,513 |
| Average total loans | $80,559,000 | 3,872 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 5,491 |
| Cost of funding earning assets | 0.5120% | 2,554 |
| Net interest margin | 2.9091% | 5,624 |
| Noninterest income to average assets | 0.1301% | 6,043 |
| Noninterest expense to average assets | 2.1476% | 5,459 |
| Loan and lease loss provision to assets | 0.0090% | 4,445 |
| Net operating income to assets | 0.4845% | 4,872 |
| Return on assets (ROA) | 0.4845% | 4,960 |
| Pretax return on assets | 0.8242% | 4,172 |
| Return on Equity (ROE) | 3.4429% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.1347% | 4,005 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0483% | 3,201 |
| Assets per employee ($millions) | 4.7048% | 2,723 |
| Cash dividends to net income (ytd only)* | 8.9527% | 4,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 2,420 |
| 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 | 66.2636% | 2,846 |
| Net loans and leases to deposits | 77.3762% | 3,040 |
| Net loans and leases to core deposits | 93.1561% | 1,977 |
| Total domestic deposits to total assets | 85.6383% | 3,017 |
| Equity capital to assets | 14.2939% | 875 |
| Core capital (leverage) ratio | 14.4701% | 707 |
| Tier 1 risk-based capital ratio | 21.0389% | 1,397 |
| Total risk-based capital ratio | 22.2915% | 1,365 |
| Memoranda: | ||
| Average total assets | $122,181,400 | 4,137 |
| Average earning assets | $119,728,000 | 3,974 |
| Average equity | $17,194,600 | 3,502 |
| Average total loans | $80,345,400 | 3,869 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4447% | 5,510 |
| Cost of funding earning assets | 0.5158% | 2,603 |
| Net interest margin | 2.9289% | 5,640 |
| Noninterest income to average assets | 0.1364% | 6,092 |
| Noninterest expense to average assets | 2.1799% | 5,392 |
| Loan and lease loss provision to assets | -0.0087% | 6,085 |
| Net operating income to assets | 0.4901% | 4,909 |
| Return on assets (ROA) | 0.4901% | 4,973 |
| Pretax return on assets | 0.8350% | 4,240 |
| Return on Equity (ROE) | 3.4964% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.0837% | 4,424 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5127% | 3,087 |
| Assets per employee ($millions) | 4.3656% | 3,187 |
| Cash dividends to net income (ytd only)* | 11.8032% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 2,568 |
| 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 | 66.4766% | 2,777 |
| Net loans and leases to deposits | 78.0151% | 2,949 |
| Net loans and leases to core deposits | 94.4298% | 1,814 |
| Total domestic deposits to total assets | 85.2100% | 3,260 |
| Equity capital to assets | 14.7128% | 805 |
| Core capital (leverage) ratio | 14.5958% | 702 |
| Tier 1 risk-based capital ratio | 21.3829% | 1,379 |
| Total risk-based capital ratio | 22.6357% | 1,347 |
| Memoranda: | ||
| Average total assets | $122,145,500 | 4,177 |
| Average earning assets | $119,679,750 | 3,998 |
| Average equity | $17,122,000 | 3,529 |
| Average total loans | $79,856,500 | 3,908 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3873% | 5,651 |
| Cost of funding earning assets | 0.5141% | 2,684 |
| Net interest margin | 2.8731% | 5,781 |
| Noninterest income to average assets | 0.1376% | 6,131 |
| Noninterest expense to average assets | 2.1429% | 5,532 |
| Loan and lease loss provision to assets | 0.0129% | 3,999 |
| Net operating income to assets | 0.4677% | 4,941 |
| Return on assets (ROA) | 0.4677% | 5,018 |
| Pretax return on assets | 0.7947% | 4,295 |
| Return on Equity (ROE) | 3.3903% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.7685% | 4,435 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6275% | 3,222 |
| Assets per employee ($millions) | 4.4924% | 2,935 |
| Cash dividends to net income (ytd only)* | 18.3391% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,894 |
| 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 | 67.0399% | 2,569 |
| Net loans and leases to deposits | 78.1599% | 2,781 |
| Net loans and leases to core deposits | 96.4614% | 1,566 |
| Total domestic deposits to total assets | 85.7727% | 3,167 |
| Equity capital to assets | 14.1655% | 911 |
| Core capital (leverage) ratio | 14.0627% | 812 |
| Tier 1 risk-based capital ratio | 20.5654% | 1,551 |
| Total risk-based capital ratio | 21.8186% | 1,522 |
| Memoranda: | ||
| Average total assets | $123,570,670 | 4,169 |
| Average earning assets | $120,983,000 | 3,984 |
| Average equity | $17,048,670 | 3,539 |
| Average total loans | $79,950,000 | 3,911 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 5,825 |
| Cost of funding earning assets | 0.5147% | 2,762 |
| Net interest margin | 2.7932% | 5,948 |
| Noninterest income to average assets | 0.1379% | 6,153 |
| Noninterest expense to average assets | 2.1875% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4009% | 5,110 |
| Return on assets (ROA) | 0.4009% | 5,179 |
| Pretax return on assets | 0.6832% | 4,546 |
| Return on Equity (ROE) | 2.9443% | 5,480 |
| Retained earnings to average equity (ytd only) | 1.6959% | 4,936 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2011% | 2,765 |
| Assets per employee ($millions) | 4.5667% | 2,861 |
| Cash dividends to net income (ytd only)* | 42.4000% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 2,878 |
| 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 | 62.6204% | 3,136 |
| Net loans and leases to deposits | 72.7534% | 3,240 |
| Net loans and leases to core deposits | 89.7395% | 1,932 |
| Total domestic deposits to total assets | 86.0722% | 3,330 |
| Equity capital to assets | 13.8021% | 986 |
| Core capital (leverage) ratio | 13.6883% | 926 |
| Tier 1 risk-based capital ratio | 21.0757% | 1,459 |
| Total risk-based capital ratio | 22.3290% | 1,440 |
| Memoranda: | ||
| Average total assets | $124,708,500 | 4,172 |
| Average earning assets | $122,010,500 | 3,998 |
| Average equity | $16,982,000 | 3,552 |
| Average total loans | $78,647,500 | 3,981 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 5,686 |
| Cost of funding earning assets | 0.5365% | 3,233 |
| Net interest margin | 2.9413% | 5,704 |
| Noninterest income to average assets | 0.1535% | 6,170 |
| Noninterest expense to average assets | 2.0808% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5526% | 4,492 |
| Return on assets (ROA) | 0.5526% | 4,620 |
| Pretax return on assets | 0.9494% | 3,561 |
| Return on Equity (ROE) | 4.1773% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.8588% | 3,456 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6696% | 4,069 |
| Assets per employee ($millions) | 4.6710% | 2,625 |
| Cash dividends to net income (ytd only)* | 7.6259% | 4,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,920 |
| 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 | 61.5532% | 3,432 |
| Net loans and leases to deposits | 71.1755% | 3,632 |
| Net loans and leases to core deposits | 87.0290% | 2,346 |
| Total domestic deposits to total assets | 86.4808% | 3,001 |
| Equity capital to assets | 13.4367% | 1,094 |
| Core capital (leverage) ratio | 13.3566% | 1,005 |
| Tier 1 risk-based capital ratio | 21.1284% | 1,400 |
| Total risk-based capital ratio | 22.3814% | 1,377 |
| Memoranda: | ||
| Average total assets | $125,768,400 | 4,147 |
| Average earning assets | $123,008,400 | 3,991 |
| Average equity | $16,637,400 | 3,604 |
| Average total loans | $80,344,200 | 3,930 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 5,658 |
| Cost of funding earning assets | 0.5388% | 3,374 |
| Net interest margin | 2.9736% | 5,657 |
| Noninterest income to average assets | 0.1602% | 6,224 |
| Noninterest expense to average assets | 2.0528% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5983% | 4,355 |
| Return on assets (ROA) | 0.5983% | 4,481 |
| Pretax return on assets | 1.0174% | 3,436 |
| Return on Equity (ROE) | 4.5409% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.1142% | 3,760 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8625% | 4,326 |
| Assets per employee ($millions) | 4.6389% | 2,655 |
| Cash dividends to net income (ytd only)* | 9.3965% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,215 |
| 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 | 62.3856% | 3,289 |
| Net loans and leases to deposits | 72.1223% | 3,500 |
| Net loans and leases to core deposits | 88.6602% | 2,117 |
| Total domestic deposits to total assets | 86.4998% | 2,966 |
| Equity capital to assets | 13.4251% | 1,154 |
| Core capital (leverage) ratio | 13.3470% | 1,079 |
| Tier 1 risk-based capital ratio | 20.9541% | 1,501 |
| Total risk-based capital ratio | 22.2077% | 1,475 |
| Memoranda: | ||
| Average total assets | $125,681,250 | 4,195 |
| Average earning assets | $122,989,000 | 4,031 |
| Average equity | $16,560,250 | 3,662 |
| Average total loans | $80,715,500 | 3,953 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 5,534 |
| Cost of funding earning assets | 0.5412% | 3,488 |
| Net interest margin | 3.0262% | 5,504 |
| Noninterest income to average assets | 0.1621% | 6,244 |
| Noninterest expense to average assets | 2.0521% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6294% | 4,161 |
| Return on assets (ROA) | 0.6294% | 4,316 |
| Pretax return on assets | 1.0697% | 3,220 |
| Return on Equity (ROE) | 4.8072% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.1638% | 3,638 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7332% | 4,596 |
| Assets per employee ($millions) | 4.6291% | 2,606 |
| Cash dividends to net income (ytd only)* | 13.3838% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,362 |
| 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 | 62.4438% | 3,213 |
| Net loans and leases to deposits | 72.0926% | 3,436 |
| Net loans and leases to core deposits | 88.6141% | 2,050 |
| Total domestic deposits to total assets | 86.6161% | 3,046 |
| Equity capital to assets | 13.3191% | 1,213 |
| Core capital (leverage) ratio | 13.2703% | 1,064 |
| Tier 1 risk-based capital ratio | 20.5969% | 1,587 |
| Total risk-based capital ratio | 21.8502% | 1,556 |
| Memoranda: | ||
| Average total assets | $125,825,000 | 4,225 |
| Average earning assets | $123,057,670 | 4,059 |
| Average equity | $16,475,330 | 3,699 |
| Average total loans | $81,164,000 | 3,950 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 5,080 |
| Cost of funding earning assets | 0.5482% | 3,590 |
| Net interest margin | 3.1759% | 5,013 |
| Noninterest income to average assets | 0.1679% | 6,257 |
| Noninterest expense to average assets | 2.0658% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7097% | 3,644 |
| Return on assets (ROA) | 0.7097% | 3,780 |
| Pretax return on assets | 1.2040% | 2,556 |
| Return on Equity (ROE) | 5.4669% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.1734% | 3,715 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1783% | 5,131 |
| Assets per employee ($millions) | 4.8361% | 2,432 |
| Cash dividends to net income (ytd only)* | 23.6607% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,667 |
| 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 | 62.7774% | 2,923 |
| Net loans and leases to deposits | 72.3457% | 3,134 |
| Net loans and leases to core deposits | 88.4565% | 1,856 |
| Total domestic deposits to total assets | 86.7741% | 3,089 |
| Equity capital to assets | 13.1026% | 1,385 |
| Core capital (leverage) ratio | 13.1233% | 1,067 |
| Tier 1 risk-based capital ratio | 20.3174% | 1,696 |
| Total risk-based capital ratio | 21.5704% | 1,668 |
| Memoranda: | ||
| Average total assets | $126,244,500 | 4,257 |
| Average earning assets | $123,305,000 | 4,085 |
| Average equity | $16,389,500 | 3,753 |
| Average total loans | $82,108,500 | 3,959 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 5,719 |
| Cost of funding earning assets | 0.6139% | 4,221 |
| Net interest margin | 3.2318% | 5,485 |
| Noninterest income to average assets | 0.1433% | 6,318 |
| Noninterest expense to average assets | 2.0315% | 6,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7593% | 3,471 |
| Return on assets (ROA) | 0.7593% | 3,713 |
| Pretax return on assets | 1.2769% | 2,496 |
| Return on Equity (ROE) | 6.1860% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.8515% | 2,159 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4052% | 5,330 |
| Assets per employee ($millions) | 4.8750% | 2,386 |
| Cash dividends to net income (ytd only)* | 5.4082% | 4,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,897 |
| 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 | 65.3431% | 2,644 |
| Net loans and leases to deposits | 75.0759% | 2,952 |
| Net loans and leases to core deposits | 92.2428% | 1,616 |
| Total domestic deposits to total assets | 87.0360% | 2,831 |
| Equity capital to assets | 12.8630% | 1,511 |
| Core capital (leverage) ratio | 12.6413% | 1,257 |
| Tier 1 risk-based capital ratio | 18.9240% | 1,979 |
| Total risk-based capital ratio | 20.1764% | 1,944 |
| Memoranda: | ||
| Average total assets | $129,066,000 | 4,162 |
| Average earning assets | $126,401,000 | 3,973 |
| Average equity | $15,842,200 | 3,799 |
| Average total loans | $84,551,000 | 3,891 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 5,811 |
| Cost of funding earning assets | 0.6218% | 4,438 |
| Net interest margin | 3.2682% | 5,488 |
| Noninterest income to average assets | 0.1337% | 6,470 |
| Noninterest expense to average assets | 2.0054% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7847% | 3,531 |
| Return on assets (ROA) | 0.7847% | 3,774 |
| Pretax return on assets | 1.3339% | 2,480 |
| Return on Equity (ROE) | 6.4687% | 4,083 |
| Retained earnings to average equity (ytd only) | 6.0193% | 2,689 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0554% | 5,490 |
| Assets per employee ($millions) | 5.0075% | 2,185 |
| Cash dividends to net income (ytd only)* | 6.9458% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,198 |
| 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 | 64.8192% | 2,874 |
| Net loans and leases to deposits | 74.0131% | 3,281 |
| Net loans and leases to core deposits | 90.4416% | 1,929 |
| Total domestic deposits to total assets | 87.5780% | 2,305 |
| Equity capital to assets | 12.3568% | 1,993 |
| Core capital (leverage) ratio | 12.3264% | 1,485 |
| Tier 1 risk-based capital ratio | 18.3588% | 2,213 |
| Total risk-based capital ratio | 19.6108% | 2,184 |
| Memoranda: | ||
| Average total assets | $129,644,750 | 4,194 |
| Average earning assets | $127,160,500 | 3,994 |
| Average equity | $15,726,750 | 3,855 |
| Average total loans | $84,676,250 | 3,933 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 5,828 |
| Cost of funding earning assets | 0.6296% | 4,630 |
| Net interest margin | 3.3039% | 5,431 |
| Noninterest income to average assets | 0.1298% | 6,538 |
| Noninterest expense to average assets | 2.0269% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7910% | 3,426 |
| Return on assets (ROA) | 0.7910% | 3,679 |
| Pretax return on assets | 1.3456% | 2,403 |
| Return on Equity (ROE) | 6.5614% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.8822% | 2,771 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1008% | 5,560 |
| Assets per employee ($millions) | 5.0691% | 2,075 |
| Cash dividends to net income (ytd only)* | 10.3516% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,160 |
| 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 | 62.6471% | 3,298 |
| Net loans and leases to deposits | 71.2509% | 3,730 |
| Net loans and leases to core deposits | 86.1761% | 2,406 |
| Total domestic deposits to total assets | 87.9246% | 2,189 |
| Equity capital to assets | 12.0192% | 2,132 |
| Core capital (leverage) ratio | 12.1166% | 1,541 |
| Tier 1 risk-based capital ratio | 18.4390% | 2,149 |
| Total risk-based capital ratio | 19.6919% | 2,109 |
| Memoranda: | ||
| Average total assets | $129,461,000 | 4,222 |
| Average earning assets | $127,061,670 | 4,013 |
| Average equity | $15,606,330 | 3,866 |
| Average total loans | $84,360,330 | 3,960 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 5,543 |
| Cost of funding earning assets | 0.6509% | 4,726 |
| Net interest margin | 3.4229% | 5,014 |
| Noninterest income to average assets | 0.1403% | 6,539 |
| Noninterest expense to average assets | 2.0859% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8325% | 3,231 |
| Return on assets (ROA) | 0.8325% | 3,465 |
| Pretax return on assets | 1.4155% | 2,139 |
| Return on Equity (ROE) | 6.8952% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.5265% | 3,241 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5726% | 5,686 |
| Assets per employee ($millions) | 4.9935% | 2,264 |
| Cash dividends to net income (ytd only)* | 19.8502% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 4,319 |
| 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 | 63.5198% | 2,945 |
| Net loans and leases to deposits | 72.2918% | 3,390 |
| Net loans and leases to core deposits | 86.4210% | 2,242 |
| Total domestic deposits to total assets | 87.8659% | 2,415 |
| Equity capital to assets | 12.0148% | 2,027 |
| Core capital (leverage) ratio | 12.1674% | 1,495 |
| Tier 1 risk-based capital ratio | 17.8890% | 2,339 |
| Total risk-based capital ratio | 19.1408% | 2,308 |
| Memoranda: | ||
| Average total assets | $128,293,000 | 4,276 |
| Average earning assets | $125,976,000 | 4,059 |
| Average equity | $15,489,000 | 3,892 |
| Average total loans | $84,641,500 | 3,987 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 5,353 |
| Cost of funding earning assets | 0.8314% | 4,617 |
| Net interest margin | 3.5865% | 4,783 |
| Noninterest income to average assets | 0.1572% | 6,363 |
| Noninterest expense to average assets | 2.2453% | 6,173 |
| Loan and lease loss provision to assets | 0.0050% | 6,457 |
| Net operating income to assets | 0.8483% | 2,831 |
| Return on assets (ROA) | 0.8483% | 2,982 |
| Pretax return on assets | 1.4202% | 1,720 |
| Return on Equity (ROE) | 6.8996% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.5428% | 1,724 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1725% | 5,582 |
| Assets per employee ($millions) | 4.8752% | 2,352 |
| Cash dividends to net income (ytd only)* | 5.1707% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 4,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.5533% | 2,673 |
| Net loans and leases to deposits | 75.8229% | 3,202 |
| Net loans and leases to core deposits | 89.8468% | 2,149 |
| Total domestic deposits to total assets | 87.7747% | 2,294 |
| Equity capital to assets | 12.1330% | 2,026 |
| Core capital (leverage) ratio | 12.1487% | 1,520 |
| Tier 1 risk-based capital ratio | 17.4986% | 2,385 |
| Total risk-based capital ratio | 18.7504% | 2,348 |
| Memoranda: | ||
| Average total assets | $120,830,800 | 4,375 |
| Average earning assets | $118,361,000 | 4,175 |
| Average equity | $14,856,000 | 3,940 |
| Average total loans | $85,468,600 | 3,981 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 5,270 |
| Cost of funding earning assets | 0.8556% | 4,731 |
| Net interest margin | 3.6379% | 4,629 |
| Noninterest income to average assets | 0.1620% | 6,439 |
| Noninterest expense to average assets | 2.2745% | 6,105 |
| Loan and lease loss provision to assets | 0.0067% | 6,342 |
| Net operating income to assets | 0.8412% | 2,982 |
| Return on assets (ROA) | 0.8412% | 3,130 |
| Pretax return on assets | 1.4433% | 1,810 |
| Return on Equity (ROE) | 6.8180% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.3382% | 2,338 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0678% | 5,549 |
| Assets per employee ($millions) | 4.7715% | 2,518 |
| Cash dividends to net income (ytd only)* | 7.0381% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 4,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 68.2259% | 2,437 |
| Net loans and leases to deposits | 77.7622% | 3,033 |
| Net loans and leases to core deposits | 91.3882% | 2,068 |
| Total domestic deposits to total assets | 87.7366% | 2,209 |
| Equity capital to assets | 12.1796% | 2,119 |
| Core capital (leverage) ratio | 12.4218% | 1,470 |
| Tier 1 risk-based capital ratio | 16.9565% | 2,657 |
| Total risk-based capital ratio | 18.2083% | 2,627 |
| Memoranda: | ||
| Average total assets | $119,350,000 | 4,447 |
| Average earning assets | $116,876,500 | 4,227 |
| Average equity | $14,725,250 | 3,978 |
| Average total loans | $85,438,500 | 4,021 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 5,089 |
| Cost of funding earning assets | 0.8743% | 4,871 |
| Net interest margin | 3.6984% | 4,267 |
| Noninterest income to average assets | 0.1562% | 6,536 |
| Noninterest expense to average assets | 2.3484% | 6,002 |
| Loan and lease loss provision to assets | 0.0102% | 6,136 |
| Net operating income to assets | 0.8338% | 2,931 |
| Return on assets (ROA) | 0.8338% | 3,045 |
| Pretax return on assets | 1.4179% | 1,758 |
| Return on Equity (ROE) | 6.7274% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.0012% | 2,432 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1853% | 5,562 |
| Assets per employee ($millions) | 4.5937% | 2,695 |
| Cash dividends to net income (ytd only)* | 10.7943% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 4,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 70.0743% | 2,204 |
| Net loans and leases to deposits | 80.0892% | 2,775 |
| Net loans and leases to core deposits | 94.6551% | 1,828 |
| Total domestic deposits to total assets | 87.4954% | 2,472 |
| Equity capital to assets | 12.4284% | 1,829 |
| Core capital (leverage) ratio | 12.5282% | 1,346 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,545 |
| Total risk-based capital ratio | 18.2070% | 2,512 |
| Memoranda: | ||
| Average total assets | $117,780,000 | 4,519 |
| Average earning assets | $115,294,330 | 4,298 |
| Average equity | $14,597,000 | 3,985 |
| Average total loans | $85,295,000 | 4,060 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 4,957 |
| Cost of funding earning assets | 0.9089% | 4,856 |
| Net interest margin | 3.6881% | 4,169 |
| Noninterest income to average assets | 0.1676% | 6,528 |
| Noninterest expense to average assets | 2.3702% | 5,981 |
| Loan and lease loss provision to assets | 0.0205% | 5,694 |
| Net operating income to assets | 0.8140% | 2,956 |
| Return on assets (ROA) | 0.8140% | 3,018 |
| Pretax return on assets | 1.3852% | 1,765 |
| Return on Equity (ROE) | 6.5775% | 3,592 |
| Retained earnings to average equity (ytd only) | 5.1128% | 3,110 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7717% | 5,558 |
| Assets per employee ($millions) | 4.3731% | 3,086 |
| Cash dividends to net income (ytd only)* | 22.2689% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 71.4222% | 1,833 |
| Net loans and leases to deposits | 81.5896% | 2,429 |
| Net loans and leases to core deposits | 97.1175% | 1,586 |
| Total domestic deposits to total assets | 87.5383% | 2,644 |
| Equity capital to assets | 12.3321% | 1,723 |
| Core capital (leverage) ratio | 12.4059% | 1,369 |
| Tier 1 risk-based capital ratio | 16.4479% | 2,684 |
| Total risk-based capital ratio | 17.6994% | 2,661 |
| Memoranda: | ||
| Average total assets | $116,952,000 | 4,563 |
| Average earning assets | $114,423,000 | 4,342 |
| Average equity | $14,473,500 | 4,002 |
| Average total loans | $85,479,000 | 4,092 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 2,262 |
| Cost of funding earning assets | 1.2342% | 4,328 |
| Net interest margin | 4.2710% | 1,915 |
| Noninterest income to average assets | -0.0961% | 7,388 |
| Noninterest expense to average assets | 2.3723% | 6,162 |
| Loan and lease loss provision to assets | 0.1587% | 5,622 |
| Net operating income to assets | 0.7326% | 3,085 |
| Return on assets (ROA) | 0.7326% | 3,211 |
| Pretax return on assets | 1.2291% | 2,144 |
| Return on Equity (ROE) | 5.6077% | 3,782 |
| Retained earnings to average equity (ytd only) | 5.2291% | 2,294 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0926% | 5,498 |
| Assets per employee ($millions) | 4.1368% | 3,499 |
| Cash dividends to net income (ytd only)* | 6.7516% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.6660% | 1,954 |
| Net loans and leases to deposits | 83.0798% | 2,612 |
| Net loans and leases to core deposits | 99.2945% | 1,675 |
| Total domestic deposits to total assets | 87.4653% | 2,571 |
| Equity capital to assets | 12.4199% | 1,684 |
| Core capital (leverage) ratio | 12.6423% | 1,262 |
| Tier 1 risk-based capital ratio | 16.2319% | 2,646 |
| Total risk-based capital ratio | 17.4839% | 2,600 |
| Memoranda: | ||
| Average total assets | $107,151,200 | 4,801 |
| Average earning assets | $96,744,600 | 4,811 |
| Average equity | $13,998,600 | 4,144 |
| Average total loans | $84,584,400 | 4,196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7137% | 1,673 |
| Cost of funding earning assets | 1.3071% | 4,167 |
| Net interest margin | 4.4065% | 1,506 |
| Noninterest income to average assets | -0.2057% | 7,595 |
| Noninterest expense to average assets | 2.3115% | 6,286 |
| Loan and lease loss provision to assets | 0.1702% | 5,341 |
| Net operating income to assets | 0.7061% | 3,385 |
| Return on assets (ROA) | 0.7061% | 3,536 |
| Pretax return on assets | 1.2002% | 2,488 |
| Return on Equity (ROE) | 5.3325% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.8242% | 3,107 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7803% | 5,472 |
| Assets per employee ($millions) | 3.9157% | 4,002 |
| Cash dividends to net income (ytd only)* | 9.5318% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 76.8303% | 1,252 |
| Net loans and leases to deposits | 88.3255% | 1,967 |
| Net loans and leases to core deposits | 106.5941% | 1,274 |
| Total domestic deposits to total assets | 86.9855% | 2,541 |
| Equity capital to assets | 12.9324% | 1,613 |
| Core capital (leverage) ratio | 13.0417% | 1,210 |
| Tier 1 risk-based capital ratio | 16.0401% | 2,742 |
| Total risk-based capital ratio | 17.2917% | 2,693 |
| Memoranda: | ||
| Average total assets | $104,981,500 | 4,910 |
| Average earning assets | $92,617,500 | 4,988 |
| Average equity | $13,901,750 | 4,220 |
| Average total loans | $84,381,750 | 4,272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6837% | 1,824 |
| Cost of funding earning assets | 1.3164% | 4,434 |
| Net interest margin | 4.3672% | 1,545 |
| Noninterest income to average assets | -0.4583% | 7,743 |
| Noninterest expense to average assets | 2.2431% | 6,534 |
| Loan and lease loss provision to assets | 0.2475% | 4,451 |
| Net operating income to assets | 0.5704% | 3,995 |
| Return on assets (ROA) | 0.5704% | 4,143 |
| Pretax return on assets | 0.9707% | 3,232 |
| Return on Equity (ROE) | 4.2725% | 4,654 |
| Retained earnings to average equity (ytd only) | 3.5049% | 3,877 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8045% | 5,187 |
| Assets per employee ($millions) | 3.8047% | 4,212 |
| Cash dividends to net income (ytd only)* | 17.9661% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,343 |
| Loan loss allowance to noncurrent loans | 555.8685% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 6,899 |
| Noncurrent loans to loans | 0.2552% | 6,721 |
| Net loans and leases to total assets | 77.2508% | 1,244 |
| Net loans and leases to deposits | 88.9427% | 2,009 |
| Net loans and leases to core deposits | 106.7435% | 1,384 |
| Total domestic deposits to total assets | 86.8545% | 2,618 |
| Equity capital to assets | 13.0694% | 1,542 |
| Core capital (leverage) ratio | 13.2572% | 1,125 |
| Tier 1 risk-based capital ratio | 15.9814% | 2,680 |
| Total risk-based capital ratio | 17.2321% | 2,644 |
| Memoranda: | ||
| Average total assets | $103,429,000 | 4,980 |
| Average earning assets | $92,827,330 | 5,020 |
| Average equity | $13,809,330 | 4,243 |
| Average total loans | $84,034,000 | 4,322 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7079% | 1,748 |
| Cost of funding earning assets | 1.3619% | 4,409 |
| Net interest margin | 4.3460% | 1,547 |
| Noninterest income to average assets | 0.2316% | 6,302 |
| Noninterest expense to average assets | 2.6149% | 5,291 |
| Loan and lease loss provision to assets | 0.0589% | 6,051 |
| Net operating income to assets | 0.8795% | 2,634 |
| Return on assets (ROA) | 0.8795% | 2,712 |
| Pretax return on assets | 1.4920% | 1,538 |
| Return on Equity (ROE) | 6.5152% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.9736% | 3,170 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7710% | 5,694 |
| Assets per employee ($millions) | 3.6472% | 4,702 |
| Cash dividends to net income (ytd only)* | 23.6607% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 5,167 |
| Loan loss allowance to noncurrent loans | 469.2982% | 682 |
| Noncurrent assets plus other real estate owned to assets | 1.9966% | 3,510 |
| Noncurrent loans to loans | 0.2681% | 6,787 |
| Net loans and leases to total assets | 82.2203% | 568 |
| Net loans and leases to deposits | 95.3974% | 1,181 |
| Net loans and leases to core deposits | 114.5576% | 1,012 |
| Total domestic deposits to total assets | 86.1871% | 3,038 |
| Equity capital to assets | 13.5573% | 1,300 |
| Core capital (leverage) ratio | 13.6123% | 1,052 |
| Tier 1 risk-based capital ratio | 15.3902% | 2,924 |
| Total risk-based capital ratio | 16.5820% | 2,905 |
| Memoranda: | ||
| Average total assets | $101,878,000 | 5,093 |
| Average earning assets | $92,223,000 | 5,099 |
| Average equity | $13,752,500 | 4,300 |
| Average total loans | $84,311,000 | 4,372 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8738% | 2,356 |
| Cost of funding earning assets | 1.7985% | 4,000 |
| Net interest margin | 4.0753% | 2,549 |
| Noninterest income to average assets | 0.2245% | 6,506 |
| Noninterest expense to average assets | 3.0071% | 4,117 |
| Loan and lease loss provision to assets | 0.0917% | 6,686 |
| Net operating income to assets | 0.5613% | 3,479 |
| Return on assets (ROA) | 0.5613% | 3,560 |
| Pretax return on assets | 0.9340% | 2,814 |
| Return on Equity (ROE) | 4.0647% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.6695% | 2,622 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5659% | 3,787 |
| Assets per employee ($millions) | 3.6298% | 4,699 |
| Cash dividends to net income (ytd only)* | 9.7248% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 5,002 |
| Loan loss allowance to noncurrent loans | 460.9649% | 724 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 3,389 |
| Noncurrent loans to loans | 0.2728% | 6,748 |
| Net loans and leases to total assets | 81.2090% | 811 |
| Net loans and leases to deposits | 94.0228% | 1,595 |
| Net loans and leases to core deposits | 155.0758% | 415 |
| Total domestic deposits to total assets | 86.3717% | 2,826 |
| Equity capital to assets | 13.4404% | 1,349 |
| Core capital (leverage) ratio | 13.7151% | 1,038 |
| Tier 1 risk-based capital ratio | 15.2912% | 2,799 |
| Total risk-based capital ratio | 16.4745% | 2,796 |
| Memoranda: | ||
| Average total assets | $97,104,600 | 5,165 |
| Average earning assets | $90,741,400 | 5,096 |
| Average equity | $13,408,000 | 4,401 |
| Average total loans | $80,730,600 | 4,485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8402% | 2,705 |
| Cost of funding earning assets | 1.8829% | 3,971 |
| Net interest margin | 3.9572% | 3,002 |
| Noninterest income to average assets | 0.2251% | 6,620 |
| Noninterest expense to average assets | 2.9688% | 4,169 |
| Loan and lease loss provision to assets | 0.0806% | 6,565 |
| Net operating income to assets | 0.5349% | 3,849 |
| Return on assets (ROA) | 0.5349% | 3,935 |
| Pretax return on assets | 0.9100% | 3,198 |
| Return on Equity (ROE) | 3.8465% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.3170% | 3,452 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9825% | 3,695 |
| Assets per employee ($millions) | 3.4961% | 4,937 |
| Cash dividends to net income (ytd only)* | 13.7653% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,926 |
| Loan loss allowance to noncurrent loans | 464.5455% | 679 |
| Noncurrent assets plus other real estate owned to assets | 2.1677% | 3,135 |
| Noncurrent loans to loans | 0.2660% | 6,841 |
| Net loans and leases to total assets | 83.4573% | 613 |
| Net loans and leases to deposits | 96.9801% | 1,444 |
| Net loans and leases to core deposits | 159.7474% | 386 |
| Total domestic deposits to total assets | 86.0561% | 2,681 |
| Equity capital to assets | 13.8101% | 1,371 |
| Core capital (leverage) ratio | 13.7620% | 1,150 |
| Tier 1 risk-based capital ratio | 15.3414% | 2,899 |
| Total risk-based capital ratio | 16.5064% | 2,871 |
| Memoranda: | ||
| Average total assets | $95,972,250 | 5,245 |
| Average earning assets | $90,565,750 | 5,146 |
| Average equity | $13,345,000 | 4,446 |
| Average total loans | $80,016,500 | 4,550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8523% | 2,793 |
| Cost of funding earning assets | 1.9367% | 4,080 |
| Net interest margin | 3.9156% | 3,035 |
| Noninterest income to average assets | 0.2266% | 6,670 |
| Noninterest expense to average assets | 2.8595% | 4,690 |
| Loan and lease loss provision to assets | 0.0692% | 6,510 |
| Net operating income to assets | 0.5832% | 3,756 |
| Return on assets (ROA) | 0.5832% | 3,862 |
| Pretax return on assets | 0.9923% | 3,046 |
| Return on Equity (ROE) | 4.1845% | 4,422 |
| Retained earnings to average equity (ytd only) | 3.3868% | 3,438 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9267% | 4,221 |
| Assets per employee ($millions) | 3.4070% | 5,046 |
| Cash dividends to net income (ytd only)* | 19.0647% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,715 |
| Loan loss allowance to noncurrent loans | 454.5455% | 715 |
| Noncurrent assets plus other real estate owned to assets | 2.3271% | 2,794 |
| Noncurrent loans to loans | 0.2716% | 6,848 |
| Net loans and leases to total assets | 83.8777% | 656 |
| Net loans and leases to deposits | 97.9748% | 1,520 |
| Net loans and leases to core deposits | 156.4952% | 508 |
| Total domestic deposits to total assets | 85.6116% | 2,956 |
| Equity capital to assets | 14.0582% | 1,294 |
| Core capital (leverage) ratio | 14.0168% | 1,134 |
| Tier 1 risk-based capital ratio | 15.5917% | 2,776 |
| Total risk-based capital ratio | 16.7549% | 2,743 |
| Memoranda: | ||
| Average total assets | $95,332,330 | 5,302 |
| Average earning assets | $89,947,000 | 5,200 |
| Average equity | $13,287,000 | 4,469 |
| Average total loans | $79,115,330 | 4,617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8281% | 3,153 |
| Cost of funding earning assets | 1.9917% | 4,174 |
| Net interest margin | 3.8364% | 3,310 |
| Noninterest income to average assets | 0.2267% | 6,649 |
| Noninterest expense to average assets | 2.7744% | 4,682 |
| Loan and lease loss provision to assets | 0.0546% | 6,283 |
| Net operating income to assets | 0.5960% | 4,033 |
| Return on assets (ROA) | 0.5960% | 4,228 |
| Pretax return on assets | 1.0115% | 3,310 |
| Return on Equity (ROE) | 4.2949% | 4,795 |
| Retained earnings to average equity (ytd only) | 2.6919% | 4,388 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2404% | 4,149 |
| Assets per employee ($millions) | 3.3098% | 5,305 |
| Cash dividends to net income (ytd only)* | 37.3239% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,552 |
| Loan loss allowance to noncurrent loans | 442.7273% | 790 |
| Noncurrent assets plus other real estate owned to assets | 2.3129% | 2,485 |
| Noncurrent loans to loans | 0.2789% | 6,742 |
| Net loans and leases to total assets | 81.1596% | 1,170 |
| Net loans and leases to deposits | 94.4392% | 2,204 |
| Net loans and leases to core deposits | 149.1328% | 738 |
| Total domestic deposits to total assets | 85.9384% | 2,761 |
| Equity capital to assets | 13.8272% | 1,415 |
| Core capital (leverage) ratio | 13.5533% | 1,309 |
| Tier 1 risk-based capital ratio | 15.5500% | 2,830 |
| Total risk-based capital ratio | 16.6997% | 2,807 |
| Memoranda: | ||
| Average total assets | $95,300,500 | 5,323 |
| Average earning assets | $89,772,000 | 5,230 |
| Average equity | $13,225,000 | 4,529 |
| Average total loans | $78,165,000 | 4,678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3729% | 3,558 |
| Cost of funding earning assets | 2.2633% | 5,318 |
| Net interest margin | 4.1095% | 2,667 |
| Noninterest income to average assets | 0.2532% | 6,636 |
| Noninterest expense to average assets | 3.0744% | 3,806 |
| Loan and lease loss provision to assets | 0.0945% | 6,180 |
| Net operating income to assets | 0.6137% | 4,248 |
| Return on assets (ROA) | 0.6137% | 4,109 |
| Pretax return on assets | 1.0268% | 3,280 |
| Return on Equity (ROE) | 4.0770% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.6662% | 2,870 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2759% | 3,699 |
| Assets per employee ($millions) | 3.1539% | 5,612 |
| Cash dividends to net income (ytd only)* | 10.0760% | 4,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 4,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 2,325 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.8415% | 1,480 |
| Net loans and leases to deposits | 107.2973% | 1,020 |
| Net loans and leases to core deposits | 166.6863% | 464 |
| Total domestic deposits to total assets | 75.3435% | 6,379 |
| Equity capital to assets | 13.9279% | 1,449 |
| Core capital (leverage) ratio | 14.6585% | 1,104 |
| Tier 1 risk-based capital ratio | 15.8732% | 2,716 |
| Total risk-based capital ratio | 17.0390% | 2,689 |
| Memoranda: | ||
| Average total assets | $85,707,000 | 5,495 |
| Average earning assets | $82,223,600 | 5,364 |
| Average equity | $12,901,600 | 4,602 |
| Average total loans | $70,004,800 | 4,868 |