Home > Fayette Savings Bank, SSB > Performance and Condition Ratios
Fayette Savings Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 2,084 |
| Cost of funding earning assets | 2.0761% | 808 |
| Net interest margin | 2.9167% | 3,444 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.6714% | 4,169 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.2074% | 1,634 |
| Return on assets (ROA) | 1.2074% | 1,604 |
| Pretax return on assets | 1.2074% | 2,118 |
| Return on Equity (ROE) | 16.0900% | 1,083 |
| Retained earnings to average equity (ytd only) | 11.3486% | 720 |
| 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 | 55.3027% | 3,567 |
| Assets per employee ($millions) | 12.0081% | 412 |
| Cash dividends to net income (ytd only)* | 29.4548% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 3,852 |
| Loan loss allowance to noncurrent loans | 8,047.3684% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,725 |
| Noncurrent loans to loans | 0.0106% | 3,682 |
| Net loans and leases to total assets | 80.2700% | 615 |
| Net loans and leases to deposits | 89.1547% | 1,328 |
| Net loans and leases to core deposits | 111.0602% | 918 |
| Total domestic deposits to total assets | 90.0400% | 748 |
| Equity capital to assets | 7.4830% | 3,729 |
| Core capital (leverage) ratio | 9.0893% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2301% | 1,787 |
| Memoranda: | ||
| Average total assets | $407,153,800 | 1,994 |
| Average earning assets | $394,251,000 | 1,930 |
| Average equity | $30,558,800 | 2,243 |
| Average total loans | $323,261,800 | 1,712 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 2,148 |
| Cost of funding earning assets | 1.8937% | 870 |
| Net interest margin | 2.9669% | 3,408 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.7010% | 4,124 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.2342% | 1,689 |
| Return on assets (ROA) | 1.2342% | 1,688 |
| Pretax return on assets | 1.2342% | 2,215 |
| Return on Equity (ROE) | 16.4300% | 1,182 |
| Retained earnings to average equity (ytd only) | 13.0579% | 807 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.3001% | 3,461 |
| Assets per employee ($millions) | 11.1840% | 476 |
| Cash dividends to net income (ytd only)* | 20.5267% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 3,870 |
| Loan loss allowance to noncurrent loans | 6,730.2326% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,754 |
| Noncurrent loans to loans | 0.0126% | 3,704 |
| Net loans and leases to total assets | 79.4000% | 721 |
| Net loans and leases to deposits | 88.0325% | 1,386 |
| Net loans and leases to core deposits | 110.5779% | 853 |
| Total domestic deposits to total assets | 90.1900% | 890 |
| Equity capital to assets | 7.1632% | 3,534 |
| Core capital (leverage) ratio | 9.2647% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8536% | 1,607 |
| Memoranda: | ||
| Average total assets | $397,867,500 | 2,018 |
| Average earning assets | $385,126,250 | 1,966 |
| Average equity | $29,886,750 | 2,253 |
| Average total loans | $314,152,500 | 1,747 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 2,226 |
| Cost of funding earning assets | 1.6224% | 1,013 |
| Net interest margin | 3.0701% | 3,283 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.7278% | 4,113 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.2947% | 1,585 |
| Return on assets (ROA) | 1.2947% | 1,572 |
| Pretax return on assets | 1.2947% | 2,097 |
| Return on Equity (ROE) | 16.9500% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.6964% | 722 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.3880% | 3,577 |
| Assets per employee ($millions) | 11.4251% | 449 |
| Cash dividends to net income (ytd only)* | 19.1895% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 3,898 |
| Loan loss allowance to noncurrent loans | 5,441.1765% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,724 |
| Noncurrent loans to loans | 0.0157% | 3,657 |
| Net loans and leases to total assets | 78.5600% | 776 |
| Net loans and leases to deposits | 87.4248% | 1,390 |
| Net loans and leases to core deposits | 110.9759% | 786 |
| Total domestic deposits to total assets | 89.8600% | 964 |
| Equity capital to assets | 7.5003% | 3,516 |
| Core capital (leverage) ratio | 9.4712% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9676% | 1,583 |
| Memoranda: | ||
| Average total assets | $388,825,667 | 2,047 |
| Average earning assets | $376,604,667 | 1,990 |
| Average equity | $29,701,333 | 2,274 |
| Average total loans | $305,430,667 | 1,752 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 2,373 |
| Cost of funding earning assets | 1.4395% | 956 |
| Net interest margin | 3.0374% | 3,505 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.6801% | 4,214 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.3517% | 1,543 |
| Return on assets (ROA) | 1.3517% | 1,512 |
| Pretax return on assets | 1.3517% | 2,012 |
| Return on Equity (ROE) | 17.5200% | 1,096 |
| Retained earnings to average equity (ytd only) | 14.5704% | 861 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.5811% | 3,642 |
| Assets per employee ($millions) | 10.6881% | 567 |
| Cash dividends to net income (ytd only)* | 16.8495% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 3,980 |
| Loan loss allowance to noncurrent loans | 4,434.4828% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,692 |
| Noncurrent loans to loans | 0.0192% | 3,644 |
| Net loans and leases to total assets | 77.7000% | 797 |
| Net loans and leases to deposits | 84.5259% | 1,462 |
| Net loans and leases to core deposits | 103.2527% | 953 |
| Total domestic deposits to total assets | 91.9200% | 535 |
| Equity capital to assets | 7.8080% | 3,380 |
| Core capital (leverage) ratio | 9.7069% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5065% | 1,486 |
| Memoranda: | ||
| Average total assets | $377,587,500 | 2,113 |
| Average earning assets | $365,968,000 | 2,051 |
| Average equity | $29,127,500 | 2,326 |
| Average total loans | $295,207,000 | 1,811 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 1,846 |
| Cost of funding earning assets | 0.6701% | 669 |
| Net interest margin | 3.2829% | 2,615 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.8353% | 3,961 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4610% | 980 |
| Return on assets (ROA) | 1.4610% | 940 |
| Pretax return on assets | 1.4610% | 1,570 |
| Return on Equity (ROE) | 17.8900% | 720 |
| Retained earnings to average equity (ytd only) | 13.1869% | 483 |
| Net charge-offs to loans | 0.0054% | 2,234 |
| Credit loss provision to net charge-offs | 2,071.4286% | 255 |
| Earnings coverage of net charge-offs (x) | 379.5000% | 407 |
| Efficiency ratio | 54.2889% | 3,772 |
| Assets per employee ($millions) | 10.5830% | 567 |
| Cash dividends to net income (ytd only)* | 26.2990% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 3,922 |
| Loan loss allowance to noncurrent loans | 4,548.1481% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,718 |
| Noncurrent loans to loans | 0.0187% | 3,687 |
| Net loans and leases to total assets | 77.3300% | 861 |
| Net loans and leases to deposits | 83.8438% | 1,481 |
| Net loans and leases to core deposits | 97.7273% | 1,114 |
| Total domestic deposits to total assets | 92.2300% | 577 |
| Equity capital to assets | 7.6165% | 3,318 |
| Core capital (leverage) ratio | 9.8842% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5676% | 1,461 |
| Memoranda: | ||
| Average total assets | $343,804,800 | 2,249 |
| Average earning assets | $332,661,000 | 2,188 |
| Average equity | $28,073,400 | 2,426 |
| Average total loans | $260,277,200 | 1,895 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 1,632 |
| Cost of funding earning assets | 0.5137% | 704 |
| Net interest margin | 3.3303% | 2,199 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.8393% | 3,903 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5569% | 728 |
| Return on assets (ROA) | 1.5569% | 707 |
| Pretax return on assets | 1.5569% | 1,241 |
| Return on Equity (ROE) | 18.7200% | 555 |
| Retained earnings to average equity (ytd only) | 15.4639% | 324 |
| Net charge-offs to loans | 0.0074% | 1,871 |
| Credit loss provision to net charge-offs | 535.7143% | 590 |
| Earnings coverage of net charge-offs (x) | 286.5714% | 488 |
| Efficiency ratio | 53.6881% | 3,844 |
| Assets per employee ($millions) | 10.2124% | 612 |
| Cash dividends to net income (ytd only)* | 17.3990% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 4,069 |
| Loan loss allowance to noncurrent loans | 263.9576% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 2,040 |
| Noncurrent loans to loans | 0.3068% | 2,146 |
| Net loans and leases to total assets | 76.7900% | 832 |
| Net loans and leases to deposits | 83.5108% | 1,339 |
| Net loans and leases to core deposits | 94.2363% | 1,079 |
| Total domestic deposits to total assets | 91.9500% | 894 |
| Equity capital to assets | 7.8263% | 3,005 |
| Core capital (leverage) ratio | 10.1156% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8206% | 1,478 |
| Memoranda: | ||
| Average total assets | $337,154,750 | 2,289 |
| Average earning assets | $326,012,750 | 2,224 |
| Average equity | $28,038,750 | 2,463 |
| Average total loans | $253,127,000 | 1,923 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 1,391 |
| Cost of funding earning assets | 0.4692% | 628 |
| Net interest margin | 3.2926% | 1,933 |
| Noninterest income to average assets | 0.2028% | 3,984 |
| Noninterest expense to average assets | 1.8923% | 3,719 |
| Loan and lease loss provision to assets | 0.0363% | 1,936 |
| Net operating income to assets | 1.4558% | 782 |
| Return on assets (ROA) | 1.4558% | 763 |
| Pretax return on assets | 1.4558% | 1,293 |
| Return on Equity (ROE) | 17.1416% | 552 |
| Retained earnings to average equity (ytd only) | 13.7988% | 383 |
| Net charge-offs to loans | 0.0114% | 1,560 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 176.0714% | 583 |
| Efficiency ratio | 55.9113% | 3,783 |
| Assets per employee ($millions) | 9.7625% | 707 |
| Cash dividends to net income (ytd only)* | 19.5010% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,099 |
| Loan loss allowance to noncurrent loans | 233.5782% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 1,916 |
| Noncurrent loans to loans | 0.3608% | 2,065 |
| Net loans and leases to total assets | 76.6485% | 666 |
| Net loans and leases to deposits | 83.4471% | 1,158 |
| Net loans and leases to core deposits | 93.9295% | 916 |
| Total domestic deposits to total assets | 91.8528% | 905 |
| Equity capital to assets | 7.9652% | 3,151 |
| Core capital (leverage) ratio | 10.0657% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8712% | 1,466 |
| Memoranda: | ||
| Average total assets | $330,395,000 | 2,325 |
| Average earning assets | $319,263,667 | 2,277 |
| Average equity | $28,060,333 | 2,523 |
| Average total loans | $245,266,000 | 1,963 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 1,313 |
| Cost of funding earning assets | 0.4618% | 611 |
| Net interest margin | 3.2198% | 1,815 |
| Noninterest income to average assets | 0.2106% | 3,900 |
| Noninterest expense to average assets | 1.8759% | 3,735 |
| Loan and lease loss provision to assets | 0.0185% | 2,025 |
| Net operating income to assets | 1.4251% | 750 |
| Return on assets (ROA) | 1.4251% | 746 |
| Pretax return on assets | 1.4251% | 1,190 |
| Return on Equity (ROE) | 16.2486% | 508 |
| Retained earnings to average equity (ytd only) | 12.8781% | 480 |
| Net charge-offs to loans | 0.0237% | 1,086 |
| Credit loss provision to net charge-offs | 107.1429% | 974 |
| Earnings coverage of net charge-offs (x) | 83.7143% | 727 |
| Efficiency ratio | 56.5121% | 3,829 |
| Assets per employee ($millions) | 9.5160% | 772 |
| Cash dividends to net income (ytd only)* | 20.7433% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 4,067 |
| Loan loss allowance to noncurrent loans | 396.5455% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,642 |
| Noncurrent loans to loans | 0.2246% | 2,698 |
| Net loans and leases to total assets | 72.8826% | 753 |
| Net loans and leases to deposits | 79.9680% | 1,149 |
| Net loans and leases to core deposits | 90.3008% | 912 |
| Total domestic deposits to total assets | 91.1397% | 959 |
| Equity capital to assets | 8.6021% | 3,079 |
| Core capital (leverage) ratio | 10.0398% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2073% | 1,454 |
| Memoranda: | ||
| Average total assets | $324,749,000 | 2,371 |
| Average earning assets | $313,564,000 | 2,319 |
| Average equity | $28,482,500 | 2,570 |
| Average total loans | $235,837,000 | 2,012 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 1,111 |
| Cost of funding earning assets | 0.6121% | 512 |
| Net interest margin | 3.5188% | 1,676 |
| Noninterest income to average assets | 0.1572% | 4,362 |
| Noninterest expense to average assets | 1.7783% | 4,175 |
| Loan and lease loss provision to assets | 0.1867% | 600 |
| Net operating income to assets | 1.5743% | 870 |
| Return on assets (ROA) | 1.5960% | 854 |
| Pretax return on assets | 1.5960% | 1,432 |
| Return on Equity (ROE) | 18.3897% | 431 |
| Retained earnings to average equity (ytd only) | 13.8676% | 319 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2446% | 4,267 |
| Assets per employee ($millions) | 9.0411% | 905 |
| Cash dividends to net income (ytd only)* | 24.5905% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,901 |
| Loan loss allowance to noncurrent loans | 182.2742% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 1,715 |
| Noncurrent loans to loans | 0.5275% | 1,811 |
| Net loans and leases to total assets | 70.9682% | 924 |
| Net loans and leases to deposits | 78.1788% | 1,385 |
| Net loans and leases to core deposits | 87.6477% | 1,097 |
| Total domestic deposits to total assets | 90.7767% | 589 |
| Equity capital to assets | 8.9480% | 3,675 |
| Core capital (leverage) ratio | 9.3891% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8663% | 1,559 |
| Memoranda: | ||
| Average total assets | $294,543,000 | 2,456 |
| Average earning assets | $283,110,600 | 2,415 |
| Average equity | $25,563,200 | 2,810 |
| Average total loans | $215,746,800 | 2,133 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 952 |
| Cost of funding earning assets | 0.6595% | 477 |
| Net interest margin | 3.6398% | 1,494 |
| Noninterest income to average assets | 0.1545% | 4,424 |
| Noninterest expense to average assets | 1.8371% | 4,090 |
| Loan and lease loss provision to assets | 0.2328% | 413 |
| Net operating income to assets | 1.5793% | 1,080 |
| Return on assets (ROA) | 1.6088% | 1,055 |
| Pretax return on assets | 1.6088% | 1,673 |
| Return on Equity (ROE) | 18.6955% | 547 |
| Retained earnings to average equity (ytd only) | 15.1794% | 371 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3413% | 4,194 |
| Assets per employee ($millions) | 9.2595% | 820 |
| Cash dividends to net income (ytd only)* | 18.8073% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,876 |
| Loan loss allowance to noncurrent loans | 196.5930% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 2,010 |
| Noncurrent loans to loans | 0.5046% | 2,049 |
| Net loans and leases to total assets | 69.7363% | 1,105 |
| Net loans and leases to deposits | 77.0618% | 1,567 |
| Net loans and leases to core deposits | 87.6982% | 1,169 |
| Total domestic deposits to total assets | 90.4940% | 568 |
| Equity capital to assets | 9.2828% | 3,577 |
| Core capital (leverage) ratio | 9.5066% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4308% | 1,507 |
| Memoranda: | ||
| Average total assets | $289,069,000 | 2,504 |
| Average earning assets | $277,557,250 | 2,466 |
| Average equity | $24,875,250 | 2,897 |
| Average total loans | $212,995,750 | 2,183 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 1,268 |
| Cost of funding earning assets | 0.7191% | 419 |
| Net interest margin | 3.4278% | 2,066 |
| Noninterest income to average assets | 0.1382% | 4,509 |
| Noninterest expense to average assets | 1.8119% | 4,162 |
| Loan and lease loss provision to assets | 0.3181% | 257 |
| Net operating income to assets | 1.2963% | 1,880 |
| Return on assets (ROA) | 1.3415% | 1,817 |
| Pretax return on assets | 1.3415% | 2,514 |
| Return on Equity (ROE) | 16.0425% | 948 |
| Retained earnings to average equity (ytd only) | 12.4578% | 819 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8818% | 3,942 |
| Assets per employee ($millions) | 8.9453% | 878 |
| Cash dividends to net income (ytd only)* | 22.3449% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,005 |
| Loan loss allowance to noncurrent loans | 191.0927% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 2,130 |
| Noncurrent loans to loans | 0.4960% | 2,193 |
| Net loans and leases to total assets | 73.6738% | 792 |
| Net loans and leases to deposits | 81.4152% | 1,285 |
| Net loans and leases to core deposits | 95.0770% | 854 |
| Total domestic deposits to total assets | 90.4914% | 559 |
| Equity capital to assets | 8.2779% | 4,371 |
| Core capital (leverage) ratio | 8.5874% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3406% | 2,231 |
| Memoranda: | ||
| Average total assets | $283,570,667 | 2,535 |
| Average earning assets | $272,007,667 | 2,496 |
| Average equity | $23,712,000 | 2,959 |
| Average total loans | $212,253,000 | 2,192 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 1,869 |
| Cost of funding earning assets | 0.7425% | 464 |
| Net interest margin | 3.1416% | 2,867 |
| Noninterest income to average assets | 0.1339% | 4,535 |
| Noninterest expense to average assets | 1.7425% | 4,300 |
| Loan and lease loss provision to assets | 0.2146% | 550 |
| Net operating income to assets | 1.1809% | 2,227 |
| Return on assets (ROA) | 1.2731% | 1,991 |
| Pretax return on assets | 1.2731% | 2,646 |
| Return on Equity (ROE) | 15.1435% | 1,183 |
| Retained earnings to average equity (ytd only) | 11.4946% | 1,275 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5301% | 3,600 |
| Assets per employee ($millions) | 8.9420% | 854 |
| Cash dividends to net income (ytd only)* | 24.0950% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,336 |
| Loan loss allowance to noncurrent loans | 207.1013% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 2,629 |
| Noncurrent loans to loans | 0.4031% | 2,656 |
| Net loans and leases to total assets | 73.8522% | 831 |
| Net loans and leases to deposits | 81.5796% | 1,366 |
| Net loans and leases to core deposits | 95.4847% | 904 |
| Total domestic deposits to total assets | 90.5278% | 577 |
| Equity capital to assets | 8.2144% | 4,353 |
| Core capital (leverage) ratio | 8.9179% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1748% | 2,219 |
| Memoranda: | ||
| Average total assets | $277,758,000 | 2,557 |
| Average earning assets | $265,598,000 | 2,514 |
| Average equity | $23,350,000 | 2,970 |
| Average total loans | $208,598,000 | 2,220 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 1,556 |
| Cost of funding earning assets | 1.0637% | 467 |
| Net interest margin | 3.3480% | 2,931 |
| Noninterest income to average assets | 0.1331% | 4,620 |
| Noninterest expense to average assets | 1.8557% | 4,382 |
| Loan and lease loss provision to assets | 0.3210% | 1,145 |
| Net operating income to assets | 1.1455% | 1,741 |
| Return on assets (ROA) | 1.1455% | 1,868 |
| Pretax return on assets | 1.1455% | 2,528 |
| Return on Equity (ROE) | 13.5284% | 916 |
| Retained earnings to average equity (ytd only) | 9.8726% | 611 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8574% | 4,000 |
| Assets per employee ($millions) | 8.6895% | 835 |
| Cash dividends to net income (ytd only)* | 27.0232% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 4,431 |
| Loan loss allowance to noncurrent loans | 149.6786% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 2,374 |
| Noncurrent loans to loans | 0.5336% | 2,381 |
| Net loans and leases to total assets | 75.1612% | 883 |
| Net loans and leases to deposits | 83.2599% | 1,521 |
| Net loans and leases to core deposits | 94.1229% | 1,243 |
| Total domestic deposits to total assets | 90.2730% | 460 |
| Equity capital to assets | 8.6107% | 4,364 |
| Core capital (leverage) ratio | 8.7474% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3655% | 2,096 |
| Memoranda: | ||
| Average total assets | $244,870,600 | 2,615 |
| Average earning assets | $233,243,200 | 2,578 |
| Average equity | $20,734,200 | 3,119 |
| Average total loans | $194,679,000 | 2,291 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 1,699 |
| Cost of funding earning assets | 1.1625% | 419 |
| Net interest margin | 3.2865% | 3,234 |
| Noninterest income to average assets | 0.1284% | 4,647 |
| Noninterest expense to average assets | 1.8854% | 4,352 |
| Loan and lease loss provision to assets | 0.3087% | 1,295 |
| Net operating income to assets | 1.0650% | 2,093 |
| Return on assets (ROA) | 1.0650% | 2,225 |
| Pretax return on assets | 1.0650% | 2,867 |
| Return on Equity (ROE) | 12.6378% | 1,209 |
| Retained earnings to average equity (ytd only) | 8.9134% | 1,004 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8478% | 3,684 |
| Assets per employee ($millions) | 8.7763% | 753 |
| Cash dividends to net income (ytd only)* | 29.4704% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6651% | 4,631 |
| Loan loss allowance to noncurrent loans | 118.8936% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 2,449 |
| Noncurrent loans to loans | 0.5594% | 2,397 |
| Net loans and leases to total assets | 76.6919% | 1,002 |
| Net loans and leases to deposits | 89.2793% | 1,343 |
| Net loans and leases to core deposits | 101.5062% | 1,064 |
| Total domestic deposits to total assets | 85.9011% | 2,111 |
| Equity capital to assets | 7.7305% | 4,796 |
| Core capital (leverage) ratio | 8.1066% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4355% | 2,809 |
| Memoranda: | ||
| Average total assets | $238,745,000 | 2,640 |
| Average earning assets | $227,426,750 | 2,596 |
| Average equity | $20,119,000 | 3,171 |
| Average total loans | $192,325,250 | 2,305 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,963 |
| Cost of funding earning assets | 1.2707% | 402 |
| Net interest margin | 3.2132% | 3,634 |
| Noninterest income to average assets | 0.1248% | 4,677 |
| Noninterest expense to average assets | 1.9180% | 4,381 |
| Loan and lease loss provision to assets | 0.2372% | 1,781 |
| Net operating income to assets | 1.0288% | 2,223 |
| Return on assets (ROA) | 1.0288% | 2,352 |
| Pretax return on assets | 1.0288% | 2,936 |
| Return on Equity (ROE) | 11.8195% | 1,377 |
| Retained earnings to average equity (ytd only) | 8.0950% | 1,273 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2373% | 3,384 |
| Assets per employee ($millions) | 7.9589% | 984 |
| Cash dividends to net income (ytd only)* | 31.5115% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5458% | 4,794 |
| Loan loss allowance to noncurrent loans | 93.6922% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 2,450 |
| Noncurrent loans to loans | 0.5826% | 2,409 |
| Net loans and leases to total assets | 79.6974% | 626 |
| Net loans and leases to deposits | 90.3104% | 1,328 |
| Net loans and leases to core deposits | 108.0981% | 810 |
| Total domestic deposits to total assets | 88.2483% | 1,064 |
| Equity capital to assets | 7.9851% | 4,723 |
| Core capital (leverage) ratio | 8.4759% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4688% | 2,830 |
| Memoranda: | ||
| Average total assets | $227,638,667 | 2,698 |
| Average earning assets | $216,733,000 | 2,659 |
| Average equity | $19,814,667 | 3,191 |
| Average total loans | $186,417,667 | 2,341 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 2,309 |
| Cost of funding earning assets | 1.3659% | 462 |
| Net interest margin | 3.1348% | 4,026 |
| Noninterest income to average assets | 0.1326% | 4,708 |
| Noninterest expense to average assets | 2.0045% | 4,381 |
| Loan and lease loss provision to assets | 0.0841% | 2,644 |
| Net operating income to assets | 1.0237% | 2,100 |
| Return on assets (ROA) | 1.0237% | 2,200 |
| Pretax return on assets | 1.0237% | 2,765 |
| Return on Equity (ROE) | 11.2103% | 1,351 |
| Retained earnings to average equity (ytd only) | 11.2103% | 539 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4058% | 3,174 |
| Assets per employee ($millions) | 6.8631% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4907% | 4,883 |
| Loan loss allowance to noncurrent loans | 77.5065% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,427 |
| Noncurrent loans to loans | 0.6330% | 2,404 |
| Net loans and leases to total assets | 82.0954% | 430 |
| Net loans and leases to deposits | 91.6544% | 1,321 |
| Net loans and leases to core deposits | 111.1736% | 792 |
| Total domestic deposits to total assets | 89.5706% | 451 |
| Equity capital to assets | 9.0816% | 4,551 |
| Core capital (leverage) ratio | 9.3396% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3215% | 2,137 |
| Memoranda: | ||
| Average total assets | $214,115,000 | 2,758 |
| Average earning assets | $203,523,500 | 2,719 |
| Average equity | $19,553,500 | 3,208 |
| Average total loans | $177,580,500 | 2,384 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 2,862 |
| Cost of funding earning assets | 1.2909% | 783 |
| Net interest margin | 3.2341% | 4,122 |
| Noninterest income to average assets | 0.1990% | 4,468 |
| Noninterest expense to average assets | 1.9027% | 4,657 |
| Loan and lease loss provision to assets | 0.0757% | 2,481 |
| Net operating income to assets | 1.3010% | 1,686 |
| Return on assets (ROA) | 1.3010% | 1,762 |
| Pretax return on assets | 1.3125% | 2,466 |
| Return on Equity (ROE) | 14.9739% | 693 |
| Retained earnings to average equity (ytd only) | 10.4896% | 402 |
| Net charge-offs to loans | 0.0012% | 3,680 |
| Credit loss provision to net charge-offs | 7,250.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 1,329.0000% | 70 |
| Efficiency ratio | 57.8162% | 3,994 |
| Assets per employee ($millions) | 6.9537% | 1,057 |
| Cash dividends to net income (ytd only)* | 29.9478% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4851% | 4,906 |
| Loan loss allowance to noncurrent loans | 114.2084% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 2,981 |
| Noncurrent loans to loans | 0.4248% | 2,927 |
| Net loans and leases to total assets | 82.9922% | 431 |
| Net loans and leases to deposits | 93.2044% | 1,228 |
| Net loans and leases to core deposits | 109.2944% | 893 |
| Total domestic deposits to total assets | 89.0432% | 652 |
| Equity capital to assets | 9.1856% | 4,581 |
| Core capital (leverage) ratio | 9.8563% | 3,666 |
| Tier 1 risk-based capital ratio | 14.1176% | 3,206 |
| Total risk-based capital ratio | 14.7335% | 3,422 |
| Memoranda: | ||
| Average total assets | $191,467,600 | 2,909 |
| Average earning assets | $183,050,800 | 2,852 |
| Average equity | $16,635,600 | 3,478 |
| Average total loans | $160,604,000 | 2,504 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 3,089 |
| Cost of funding earning assets | 1.2725% | 855 |
| Net interest margin | 3.2185% | 4,258 |
| Noninterest income to average assets | 0.2165% | 4,432 |
| Noninterest expense to average assets | 1.8933% | 4,707 |
| Loan and lease loss provision to assets | 0.0712% | 2,454 |
| Net operating income to assets | 1.3220% | 1,765 |
| Return on assets (ROA) | 1.3220% | 1,836 |
| Pretax return on assets | 1.3363% | 2,541 |
| Return on Equity (ROE) | 15.4624% | 691 |
| Retained earnings to average equity (ytd only) | 10.9470% | 536 |
| Net charge-offs to loans | 0.0017% | 3,386 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 986.7416% | 93 |
| Efficiency ratio | 57.3587% | 4,022 |
| Assets per employee ($millions) | 7.0172% | 1,018 |
| Cash dividends to net income (ytd only)* | 29.2027% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4793% | 4,996 |
| Loan loss allowance to noncurrent loans | 79.0307% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 2,541 |
| Noncurrent loans to loans | 0.6065% | 2,467 |
| Net loans and leases to total assets | 81.5233% | 627 |
| Net loans and leases to deposits | 91.3934% | 1,516 |
| Net loans and leases to core deposits | 108.1677% | 1,047 |
| Total domestic deposits to total assets | 89.2005% | 553 |
| Equity capital to assets | 9.2231% | 4,650 |
| Core capital (leverage) ratio | 9.8829% | 3,755 |
| Tier 1 risk-based capital ratio | 14.6169% | 3,018 |
| Total risk-based capital ratio | 15.2342% | 3,257 |
| Memoranda: | ||
| Average total assets | $187,182,000 | 2,967 |
| Average earning assets | $179,377,250 | 2,913 |
| Average equity | $16,004,000 | 3,576 |
| Average total loans | $157,261,500 | 2,569 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 3,077 |
| Cost of funding earning assets | 1.2461% | 880 |
| Net interest margin | 3.2335% | 4,283 |
| Noninterest income to average assets | 0.1530% | 4,816 |
| Noninterest expense to average assets | 1.9456% | 4,688 |
| Loan and lease loss provision to assets | 0.0660% | 2,498 |
| Net operating income to assets | 1.2424% | 1,993 |
| Return on assets (ROA) | 1.2424% | 2,046 |
| Pretax return on assets | 1.2424% | 2,778 |
| Return on Equity (ROE) | 14.9712% | 769 |
| Retained earnings to average equity (ytd only) | 10.2637% | 686 |
| Net charge-offs to loans | 0.0065% | 2,922 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 237.8000% | 341 |
| Efficiency ratio | 59.7903% | 3,759 |
| Assets per employee ($millions) | 6.5642% | 1,206 |
| Cash dividends to net income (ytd only)* | 31.4438% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4665% | 5,055 |
| Loan loss allowance to noncurrent loans | 77.0642% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 2,493 |
| Noncurrent loans to loans | 0.6054% | 2,446 |
| Net loans and leases to total assets | 84.7274% | 307 |
| Net loans and leases to deposits | 99.5912% | 708 |
| Net loans and leases to core deposits | 114.3465% | 763 |
| Total domestic deposits to total assets | 85.0752% | 2,442 |
| Equity capital to assets | 8.8910% | 4,860 |
| Core capital (leverage) ratio | 9.2906% | 4,365 |
| Tier 1 risk-based capital ratio | 13.4510% | 3,607 |
| Total risk-based capital ratio | 14.0579% | 3,846 |
| Memoranda: | ||
| Average total assets | $181,742,670 | 3,035 |
| Average earning assets | $174,299,670 | 2,984 |
| Average equity | $15,082,330 | 3,673 |
| Average total loans | $154,115,670 | 2,618 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 3,129 |
| Cost of funding earning assets | 1.2044% | 893 |
| Net interest margin | 3.2211% | 4,343 |
| Noninterest income to average assets | 0.1510% | 4,839 |
| Noninterest expense to average assets | 1.9320% | 4,755 |
| Loan and lease loss provision to assets | 0.0676% | 2,318 |
| Net operating income to assets | 1.2444% | 1,911 |
| Return on assets (ROA) | 1.2444% | 1,955 |
| Pretax return on assets | 1.2444% | 2,650 |
| Return on Equity (ROE) | 15.5921% | 651 |
| Retained earnings to average equity (ytd only) | 10.5925% | 906 |
| Net charge-offs to loans | 0.0053% | 2,517 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 280 |
| Efficiency ratio | 59.5552% | 3,872 |
| Assets per employee ($millions) | 6.4205% | 1,273 |
| Cash dividends to net income (ytd only)* | 32.0652% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4805% | 5,102 |
| Loan loss allowance to noncurrent loans | 48.6974% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 1,707 |
| Noncurrent loans to loans | 0.9868% | 1,699 |
| Net loans and leases to total assets | 83.9827% | 374 |
| Net loans and leases to deposits | 99.5077% | 670 |
| Net loans and leases to core deposits | 112.9609% | 786 |
| Total domestic deposits to total assets | 84.3982% | 2,902 |
| Equity capital to assets | 7.9989% | 5,183 |
| Core capital (leverage) ratio | 8.6442% | 4,919 |
| Tier 1 risk-based capital ratio | 12.7649% | 4,005 |
| Total risk-based capital ratio | 13.3946% | 4,265 |
| Memoranda: | ||
| Average total assets | $177,433,500 | 3,113 |
| Average earning assets | $170,378,500 | 3,052 |
| Average equity | $14,161,000 | 3,778 |
| Average total loans | $150,151,500 | 2,687 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 3,274 |
| Cost of funding earning assets | 0.9074% | 1,059 |
| Net interest margin | 3.3431% | 4,145 |
| Noninterest income to average assets | 0.0979% | 5,158 |
| Noninterest expense to average assets | 1.8641% | 4,941 |
| Loan and lease loss provision to assets | 0.0753% | 2,620 |
| Net operating income to assets | 1.3888% | 1,469 |
| Return on assets (ROA) | 1.4001% | 1,423 |
| Pretax return on assets | 1.3851% | 2,190 |
| Return on Equity (ROE) | 16.9358% | 501 |
| Retained earnings to average equity (ytd only) | 11.4297% | 381 |
| Net charge-offs to loans | 0.0076% | 3,413 |
| Credit loss provision to net charge-offs | 1,200.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 230.8000% | 408 |
| Efficiency ratio | 56.2630% | 4,377 |
| Assets per employee ($millions) | 6.7343% | 1,097 |
| Cash dividends to net income (ytd only)* | 32.5112% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4718% | 5,152 |
| Loan loss allowance to noncurrent loans | 60.2752% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 2,064 |
| Noncurrent loans to loans | 0.7827% | 2,051 |
| Net loans and leases to total assets | 84.4660% | 373 |
| Net loans and leases to deposits | 99.2950% | 794 |
| Net loans and leases to core deposits | 113.0083% | 833 |
| Total domestic deposits to total assets | 85.0657% | 2,619 |
| Equity capital to assets | 7.9626% | 5,175 |
| Core capital (leverage) ratio | 8.5356% | 5,011 |
| Tier 1 risk-based capital ratio | 12.5672% | 4,096 |
| Total risk-based capital ratio | 13.1787% | 4,362 |
| Memoranda: | ||
| Average total assets | $159,270,400 | 3,290 |
| Average earning assets | $153,183,200 | 3,206 |
| Average equity | $13,167,400 | 3,860 |
| Average total loans | $131,001,600 | 2,866 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 3,341 |
| Cost of funding earning assets | 0.8251% | 1,217 |
| Net interest margin | 3.3691% | 4,107 |
| Noninterest income to average assets | 0.0944% | 5,230 |
| Noninterest expense to average assets | 1.9135% | 4,882 |
| Loan and lease loss provision to assets | 0.0773% | 2,412 |
| Net operating income to assets | 1.3460% | 1,680 |
| Return on assets (ROA) | 1.3615% | 1,621 |
| Pretax return on assets | 1.3615% | 2,375 |
| Return on Equity (ROE) | 16.2991% | 647 |
| Retained earnings to average equity (ytd only) | 10.8113% | 694 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3450% | 4,207 |
| Assets per employee ($millions) | 6.4353% | 1,219 |
| Cash dividends to net income (ytd only)* | 33.6696% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4853% | 5,205 |
| Loan loss allowance to noncurrent loans | 52.3408% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 1,915 |
| Noncurrent loans to loans | 0.9273% | 1,837 |
| Net loans and leases to total assets | 83.5785% | 502 |
| Net loans and leases to deposits | 96.8596% | 1,053 |
| Net loans and leases to core deposits | 109.1348% | 1,090 |
| Total domestic deposits to total assets | 86.2883% | 2,061 |
| Equity capital to assets | 8.0159% | 5,172 |
| Core capital (leverage) ratio | 8.7429% | 4,928 |
| Tier 1 risk-based capital ratio | 12.8029% | 4,022 |
| Total risk-based capital ratio | 13.4287% | 4,292 |
| Memoranda: | ||
| Average total assets | $155,314,750 | 3,356 |
| Average earning assets | $149,474,250 | 3,276 |
| Average equity | $12,973,750 | 3,915 |
| Average total loans | $126,603,250 | 2,951 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 3,310 |
| Cost of funding earning assets | 0.7581% | 1,333 |
| Net interest margin | 3.3838% | 4,002 |
| Noninterest income to average assets | 0.0925% | 5,288 |
| Noninterest expense to average assets | 1.9509% | 4,880 |
| Loan and lease loss provision to assets | 0.0793% | 2,319 |
| Net operating income to assets | 1.3191% | 1,701 |
| Return on assets (ROA) | 1.3429% | 1,633 |
| Pretax return on assets | 1.3429% | 2,352 |
| Return on Equity (ROE) | 15.8408% | 702 |
| Retained earnings to average equity (ytd only) | 10.5241% | 785 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2478% | 4,191 |
| Assets per employee ($millions) | 6.1124% | 1,393 |
| Cash dividends to net income (ytd only)* | 33.5630% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4995% | 5,261 |
| Loan loss allowance to noncurrent loans | 59.7070% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 2,179 |
| Noncurrent loans to loans | 0.8367% | 2,054 |
| Net loans and leases to total assets | 81.7163% | 741 |
| Net loans and leases to deposits | 95.5937% | 1,185 |
| Net loans and leases to core deposits | 105.5701% | 1,268 |
| Total domestic deposits to total assets | 85.4829% | 2,505 |
| Equity capital to assets | 8.2122% | 5,127 |
| Core capital (leverage) ratio | 8.3379% | 5,193 |
| Tier 1 risk-based capital ratio | 12.3962% | 4,247 |
| Total risk-based capital ratio | 13.0415% | 4,507 |
| Memoranda: | ||
| Average total assets | $151,314,000 | 3,414 |
| Average earning assets | $145,636,000 | 3,351 |
| Average equity | $12,827,670 | 3,950 |
| Average total loans | $121,963,330 | 3,015 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,090 |
| Cost of funding earning assets | 0.7159% | 1,364 |
| Net interest margin | 3.4246% | 3,797 |
| Noninterest income to average assets | 0.0976% | 5,340 |
| Noninterest expense to average assets | 2.0148% | 4,827 |
| Loan and lease loss provision to assets | 0.0814% | 2,163 |
| Net operating income to assets | 1.2962% | 1,654 |
| Return on assets (ROA) | 1.3450% | 1,507 |
| Pretax return on assets | 1.3450% | 2,204 |
| Return on Equity (ROE) | 15.6024% | 686 |
| Retained earnings to average equity (ytd only) | 15.6024% | 276 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3925% | 4,149 |
| Assets per employee ($millions) | 5.9842% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5145% | 5,315 |
| Loan loss allowance to noncurrent loans | 84.9727% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 2,899 |
| Noncurrent loans to loans | 0.6055% | 2,733 |
| Net loans and leases to total assets | 80.3958% | 886 |
| Net loans and leases to deposits | 93.3306% | 1,299 |
| Net loans and leases to core deposits | 102.2459% | 1,508 |
| Total domestic deposits to total assets | 86.1409% | 2,482 |
| Equity capital to assets | 8.6120% | 4,891 |
| Core capital (leverage) ratio | 9.1856% | 4,450 |
| Tier 1 risk-based capital ratio | 14.2930% | 3,229 |
| Total risk-based capital ratio | 14.9567% | 3,447 |
| Memoranda: | ||
| Average total assets | $147,509,500 | 3,504 |
| Average earning assets | $141,913,000 | 3,427 |
| Average equity | $12,716,000 | 4,013 |
| Average total loans | $117,686,000 | 3,094 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,332 |
| Cost of funding earning assets | 0.6919% | 1,071 |
| Net interest margin | 3.3297% | 4,067 |
| Noninterest income to average assets | 0.1359% | 5,268 |
| Noninterest expense to average assets | 1.9818% | 4,988 |
| Loan and lease loss provision to assets | 0.0739% | 2,730 |
| Net operating income to assets | 1.2831% | 1,268 |
| Return on assets (ROA) | 1.2831% | 1,287 |
| Pretax return on assets | 1.2831% | 2,415 |
| Return on Equity (ROE) | 14.5546% | 682 |
| Retained earnings to average equity (ytd only) | 9.7366% | 392 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3584% | 4,360 |
| Assets per employee ($millions) | 6.0589% | 1,481 |
| Cash dividends to net income (ytd only)* | 33.1031% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5172% | 5,366 |
| Loan loss allowance to noncurrent loans | 55.1724% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 2,122 |
| Noncurrent loans to loans | 0.9373% | 1,904 |
| Net loans and leases to total assets | 78.3156% | 1,247 |
| Net loans and leases to deposits | 88.7380% | 1,933 |
| Net loans and leases to core deposits | 98.1682% | 1,851 |
| Total domestic deposits to total assets | 88.2548% | 1,370 |
| Equity capital to assets | 8.6292% | 5,008 |
| Core capital (leverage) ratio | 8.9450% | 4,708 |
| Tier 1 risk-based capital ratio | 14.0761% | 3,319 |
| Total risk-based capital ratio | 14.7220% | 3,555 |
| Memoranda: | ||
| Average total assets | $135,378,800 | 3,674 |
| Average earning assets | $130,222,000 | 3,583 |
| Average equity | $11,934,400 | 4,148 |
| Average total loans | $101,081,600 | 3,333 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 3,396 |
| Cost of funding earning assets | 0.6812% | 1,067 |
| Net interest margin | 3.3077% | 4,146 |
| Noninterest income to average assets | 0.1365% | 5,325 |
| Noninterest expense to average assets | 1.9919% | 4,971 |
| Loan and lease loss provision to assets | 0.0753% | 2,565 |
| Net operating income to assets | 1.2513% | 1,508 |
| Return on assets (ROA) | 1.2513% | 1,532 |
| Pretax return on assets | 1.2513% | 2,698 |
| Return on Equity (ROE) | 14.1128% | 810 |
| Retained earnings to average equity (ytd only) | 9.5292% | 697 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0242% | 4,213 |
| Assets per employee ($millions) | 5.8067% | 1,646 |
| Cash dividends to net income (ytd only)* | 32.4781% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5270% | 5,433 |
| Loan loss allowance to noncurrent loans | 71.7722% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 2,827 |
| Noncurrent loans to loans | 0.7343% | 2,520 |
| Net loans and leases to total assets | 76.7970% | 1,453 |
| Net loans and leases to deposits | 87.7830% | 2,093 |
| Net loans and leases to core deposits | 98.1260% | 1,874 |
| Total domestic deposits to total assets | 87.4850% | 1,633 |
| Equity capital to assets | 8.8339% | 5,048 |
| Core capital (leverage) ratio | 9.3759% | 4,320 |
| Tier 1 risk-based capital ratio | 14.7222% | 3,050 |
| Total risk-based capital ratio | 15.3857% | 3,290 |
| Memoranda: | ||
| Average total assets | $132,870,250 | 3,738 |
| Average earning assets | $127,819,000 | 3,653 |
| Average equity | $11,781,000 | 4,220 |
| Average total loans | $97,733,750 | 3,417 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 3,314 |
| Cost of funding earning assets | 0.6754% | 1,018 |
| Net interest margin | 3.2956% | 4,122 |
| Noninterest income to average assets | 0.0949% | 5,539 |
| Noninterest expense to average assets | 1.9892% | 4,995 |
| Loan and lease loss provision to assets | 0.0765% | 2,451 |
| Net operating income to assets | 1.1950% | 1,611 |
| Return on assets (ROA) | 1.1950% | 1,645 |
| Pretax return on assets | 1.1950% | 2,786 |
| Return on Equity (ROE) | 13.4605% | 936 |
| Retained earnings to average equity (ytd only) | 9.1690% | 788 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0042% | 4,165 |
| Assets per employee ($millions) | 5.5655% | 1,812 |
| Cash dividends to net income (ytd only)* | 31.8822% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5403% | 5,470 |
| Loan loss allowance to noncurrent loans | 80.0591% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 3,073 |
| Noncurrent loans to loans | 0.6749% | 2,727 |
| Net loans and leases to total assets | 74.6955% | 1,752 |
| Net loans and leases to deposits | 82.6188% | 2,639 |
| Net loans and leases to core deposits | 91.8712% | 2,349 |
| Total domestic deposits to total assets | 90.4097% | 390 |
| Equity capital to assets | 8.9786% | 4,926 |
| Core capital (leverage) ratio | 9.4024% | 4,228 |
| Tier 1 risk-based capital ratio | 15.3849% | 2,757 |
| Total risk-based capital ratio | 16.0644% | 2,935 |
| Memoranda: | ||
| Average total assets | $130,706,670 | 3,794 |
| Average earning assets | $125,562,330 | 3,711 |
| Average equity | $11,604,330 | 4,255 |
| Average total loans | $94,447,670 | 3,484 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 3,370 |
| Cost of funding earning assets | 0.6733% | 967 |
| Net interest margin | 3.2352% | 4,229 |
| Noninterest income to average assets | 0.0712% | 5,673 |
| Noninterest expense to average assets | 2.0051% | 5,039 |
| Loan and lease loss provision to assets | 0.0774% | 2,266 |
| Net operating income to assets | 1.1108% | 1,826 |
| Return on assets (ROA) | 1.1108% | 1,868 |
| Pretax return on assets | 1.1108% | 2,935 |
| Return on Equity (ROE) | 12.5855% | 1,090 |
| Retained earnings to average equity (ytd only) | 8.4487% | 1,295 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7907% | 4,023 |
| Assets per employee ($millions) | 5.9259% | 1,558 |
| Cash dividends to net income (ytd only)* | 32.8691% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5531% | 5,539 |
| Loan loss allowance to noncurrent loans | 335.7143% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 4,790 |
| Noncurrent loans to loans | 0.1648% | 4,522 |
| Net loans and leases to total assets | 71.3001% | 2,169 |
| Net loans and leases to deposits | 78.5078% | 2,918 |
| Net loans and leases to core deposits | 86.9086% | 2,642 |
| Total domestic deposits to total assets | 90.8192% | 356 |
| Equity capital to assets | 8.8602% | 4,945 |
| Core capital (leverage) ratio | 8.6601% | 5,092 |
| Tier 1 risk-based capital ratio | 14.4084% | 3,253 |
| Total risk-based capital ratio | 15.0783% | 3,495 |
| Memoranda: | ||
| Average total assets | $129,273,500 | 3,856 |
| Average earning assets | $124,753,000 | 3,759 |
| Average equity | $11,410,000 | 4,321 |
| Average total loans | $91,514,000 | 3,563 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 2,982 |
| Cost of funding earning assets | 0.6504% | 1,056 |
| Net interest margin | 3.4117% | 3,782 |
| Noninterest income to average assets | 0.0753% | 5,710 |
| Noninterest expense to average assets | 2.3898% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7994% | 3,309 |
| Return on assets (ROA) | 0.8241% | 3,283 |
| Pretax return on assets | 1.0133% | 3,432 |
| Return on Equity (ROE) | 9.3524% | 2,248 |
| Retained earnings to average equity (ytd only) | 6.9100% | 1,270 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8588% | 2,769 |
| Assets per employee ($millions) | 5.8262% | 1,598 |
| Cash dividends to net income (ytd only)* | 26.1153% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5494% | 5,602 |
| Loan loss allowance to noncurrent loans | 49.5468% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 2,414 |
| Noncurrent loans to loans | 1.1088% | 1,869 |
| Net loans and leases to total assets | 69.4859% | 2,555 |
| Net loans and leases to deposits | 76.4467% | 3,270 |
| Net loans and leases to core deposits | 84.7528% | 2,950 |
| Total domestic deposits to total assets | 90.8946% | 311 |
| Equity capital to assets | 8.7917% | 5,022 |
| Core capital (leverage) ratio | 9.4522% | 4,151 |
| Tier 1 risk-based capital ratio | 16.1786% | 2,478 |
| Total risk-based capital ratio | 16.8566% | 2,639 |
| Memoranda: | ||
| Average total assets | $111,517,400 | 4,136 |
| Average earning assets | $107,777,200 | 4,046 |
| Average equity | $9,826,400 | 4,612 |
| Average total loans | $83,598,400 | 3,722 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 2,872 |
| Cost of funding earning assets | 0.6365% | 1,107 |
| Net interest margin | 3.4647% | 3,614 |
| Noninterest income to average assets | 0.0932% | 5,735 |
| Noninterest expense to average assets | 2.5746% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7048% | 3,818 |
| Return on assets (ROA) | 0.7390% | 3,786 |
| Pretax return on assets | 0.9141% | 3,927 |
| Return on Equity (ROE) | 8.3808% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.1273% | 1,558 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7027% | 2,159 |
| Assets per employee ($millions) | 4.9845% | 2,383 |
| Cash dividends to net income (ytd only)* | 14.9576% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5651% | 5,652 |
| Loan loss allowance to noncurrent loans | 76.3975% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 3,308 |
| Noncurrent loans to loans | 0.7397% | 2,823 |
| Net loans and leases to total assets | 72.3702% | 2,133 |
| Net loans and leases to deposits | 79.1746% | 3,062 |
| Net loans and leases to core deposits | 87.6203% | 2,799 |
| Total domestic deposits to total assets | 91.4059% | 126 |
| Equity capital to assets | 8.3409% | 5,612 |
| Core capital (leverage) ratio | 8.8599% | 4,993 |
| Tier 1 risk-based capital ratio | 14.3434% | 3,372 |
| Total risk-based capital ratio | 15.0507% | 3,596 |
| Memoranda: | ||
| Average total assets | $107,352,500 | 4,250 |
| Average earning assets | $103,902,750 | 4,146 |
| Average equity | $9,465,750 | 4,707 |
| Average total loans | $82,108,750 | 3,778 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,569 |
| Cost of funding earning assets | 0.6332% | 1,126 |
| Net interest margin | 3.5468% | 3,302 |
| Noninterest income to average assets | 0.0949% | 5,800 |
| Noninterest expense to average assets | 2.7096% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5955% | 4,290 |
| Return on assets (ROA) | 0.6295% | 4,280 |
| Pretax return on assets | 0.8600% | 4,080 |
| Return on Equity (ROE) | 6.9930% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.9930% | 1,604 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9104% | 1,940 |
| Assets per employee ($millions) | 4.4424% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5796% | 5,709 |
| Loan loss allowance to noncurrent loans | 91.2801% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,527 |
| Noncurrent loans to loans | 0.6349% | 3,173 |
| Net loans and leases to total assets | 79.1590% | 1,043 |
| Net loans and leases to deposits | 87.3557% | 2,088 |
| Net loans and leases to core deposits | 94.8398% | 2,078 |
| Total domestic deposits to total assets | 90.6169% | 288 |
| Equity capital to assets | 8.9113% | 5,306 |
| Core capital (leverage) ratio | 9.0969% | 4,723 |
| Tier 1 risk-based capital ratio | 14.3474% | 3,407 |
| Total risk-based capital ratio | 15.0904% | 3,619 |
| Memoranda: | ||
| Average total assets | $103,260,670 | 4,361 |
| Average earning assets | $99,809,330 | 4,272 |
| Average equity | $9,295,000 | 4,777 |
| Average total loans | $80,456,000 | 3,832 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,426 |
| Cost of funding earning assets | 0.6312% | 1,144 |
| Net interest margin | 3.5795% | 3,168 |
| Noninterest income to average assets | 0.1063% | 5,805 |
| Noninterest expense to average assets | 2.9454% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4765% | 4,719 |
| Return on assets (ROA) | 0.4765% | 4,814 |
| Pretax return on assets | 0.6222% | 4,755 |
| Return on Equity (ROE) | 5.2654% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.2654% | 2,778 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5607% | 1,314 |
| Assets per employee ($millions) | 4.2450% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 5,720 |
| Loan loss allowance to noncurrent loans | 416.9492% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 5,116 |
| Noncurrent loans to loans | 0.1480% | 4,881 |
| Net loans and leases to total assets | 77.7532% | 1,133 |
| Net loans and leases to deposits | 86.1454% | 2,050 |
| Net loans and leases to core deposits | 95.9159% | 1,807 |
| Total domestic deposits to total assets | 90.2581% | 503 |
| Equity capital to assets | 9.1146% | 5,069 |
| Core capital (leverage) ratio | 9.0313% | 4,811 |
| Tier 1 risk-based capital ratio | 14.5647% | 3,361 |
| Total risk-based capital ratio | 15.3364% | 3,562 |
| Memoranda: | ||
| Average total assets | $101,582,500 | 4,439 |
| Average earning assets | $98,225,000 | 4,338 |
| Average equity | $9,192,000 | 4,813 |
| Average total loans | $78,239,500 | 3,907 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 2,974 |
| Cost of funding earning assets | 0.5431% | 1,824 |
| Net interest margin | 3.5426% | 3,362 |
| Noninterest income to average assets | 1.1116% | 950 |
| Noninterest expense to average assets | 2.5562% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3557% | 1,132 |
| Return on assets (ROA) | 1.3762% | 1,126 |
| Pretax return on assets | 1.9845% | 555 |
| Return on Equity (ROE) | 16.6240% | 493 |
| Retained earnings to average equity (ytd only) | 16.6240% | 101 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6659% | 5,282 |
| Assets per employee ($millions) | 4.2202% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6409% | 5,739 |
| Loan loss allowance to noncurrent loans | 413.4454% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 5,122 |
| Noncurrent loans to loans | 0.1550% | 4,872 |
| Net loans and leases to total assets | 75.3122% | 1,522 |
| Net loans and leases to deposits | 83.4829% | 2,425 |
| Net loans and leases to core deposits | 92.5998% | 2,165 |
| Total domestic deposits to total assets | 90.2128% | 540 |
| Equity capital to assets | 8.9826% | 5,142 |
| Core capital (leverage) ratio | 8.8391% | 5,069 |
| Tier 1 risk-based capital ratio | 15.1388% | 3,111 |
| Total risk-based capital ratio | 15.9529% | 3,258 |
| Memoranda: | ||
| Average total assets | $100,932,400 | 4,443 |
| Average earning assets | $96,850,200 | 4,375 |
| Average equity | $8,355,400 | 4,991 |
| Average total loans | $72,516,800 | 4,033 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,097 |
| Cost of funding earning assets | 0.5122% | 2,101 |
| Net interest margin | 3.5492% | 3,342 |
| Noninterest income to average assets | 1.4398% | 601 |
| Noninterest expense to average assets | 2.6125% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5407% | 864 |
| Return on assets (ROA) | 1.5681% | 864 |
| Pretax return on assets | 2.2661% | 357 |
| Return on Equity (ROE) | 19.3554% | 311 |
| Retained earnings to average equity (ytd only) | 19.3554% | 72 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9891% | 5,516 |
| Assets per employee ($millions) | 4.6373% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 5,828 |
| Loan loss allowance to noncurrent loans | 108.8496% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 4,077 |
| Noncurrent loans to loans | 0.5919% | 3,551 |
| Net loans and leases to total assets | 71.1395% | 2,207 |
| Net loans and leases to deposits | 84.8355% | 2,302 |
| Net loans and leases to core deposits | 93.7099% | 2,103 |
| Total domestic deposits to total assets | 83.8559% | 3,484 |
| Equity capital to assets | 8.3697% | 5,788 |
| Core capital (leverage) ratio | 8.4774% | 5,568 |
| Tier 1 risk-based capital ratio | 14.3782% | 3,639 |
| Total risk-based capital ratio | 15.1706% | 3,833 |
| Memoranda: | ||
| Average total assets | $100,844,250 | 4,492 |
| Average earning assets | $96,581,500 | 4,424 |
| Average equity | $8,169,750 | 5,092 |
| Average total loans | $71,453,000 | 4,095 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 2,962 |
| Cost of funding earning assets | 0.5027% | 2,224 |
| Net interest margin | 3.5803% | 3,164 |
| Noninterest income to average assets | 0.1153% | 5,967 |
| Noninterest expense to average assets | 2.6328% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6689% | 4,040 |
| Return on assets (ROA) | 0.7138% | 3,942 |
| Pretax return on assets | 0.9706% | 3,693 |
| Return on Equity (ROE) | 8.9171% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.9171% | 948 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3151% | 2,643 |
| Assets per employee ($millions) | 3.8508% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 5,860 |
| Loan loss allowance to noncurrent loans | 80.0000% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 3,573 |
| Noncurrent loans to loans | 0.8487% | 3,004 |
| Net loans and leases to total assets | 71.8827% | 2,005 |
| Net loans and leases to deposits | 78.4976% | 2,971 |
| Net loans and leases to core deposits | 83.0955% | 3,072 |
| Total domestic deposits to total assets | 91.5731% | 170 |
| Equity capital to assets | 8.0593% | 5,958 |
| Core capital (leverage) ratio | 8.0438% | 5,907 |
| Tier 1 risk-based capital ratio | 13.3790% | 4,289 |
| Total risk-based capital ratio | 14.2016% | 4,461 |
| Memoranda: | ||
| Average total assets | $98,906,330 | 4,569 |
| Average earning assets | $94,684,000 | 4,504 |
| Average equity | $7,917,330 | 5,188 |
| Average total loans | $69,814,670 | 4,164 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,090 |
| Cost of funding earning assets | 0.4963% | 2,320 |
| Net interest margin | 3.5420% | 3,256 |
| Noninterest income to average assets | 0.1221% | 5,992 |
| Noninterest expense to average assets | 2.6735% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6258% | 4,168 |
| Return on assets (ROA) | 0.7162% | 3,850 |
| Pretax return on assets | 0.9685% | 3,611 |
| Return on Equity (ROE) | 8.9779% | 2,456 |
| Retained earnings to average equity (ytd only) | 8.9779% | 1,201 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9538% | 2,522 |
| Assets per employee ($millions) | 3.6811% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 5,898 |
| Loan loss allowance to noncurrent loans | 82.8283% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 3,689 |
| Noncurrent loans to loans | 0.8518% | 3,117 |
| Net loans and leases to total assets | 69.6697% | 2,185 |
| Net loans and leases to deposits | 76.0806% | 3,046 |
| Net loans and leases to core deposits | 79.3992% | 3,234 |
| Total domestic deposits to total assets | 91.5735% | 218 |
| Equity capital to assets | 7.9848% | 6,035 |
| Core capital (leverage) ratio | 8.0848% | 5,888 |
| Tier 1 risk-based capital ratio | 13.7111% | 4,212 |
| Total risk-based capital ratio | 14.5612% | 4,342 |
| Memoranda: | ||
| Average total assets | $98,299,500 | 4,616 |
| Average earning assets | $94,297,500 | 4,541 |
| Average equity | $7,841,500 | 5,244 |
| Average total loans | $68,491,500 | 4,220 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,786 |
| Cost of funding earning assets | 0.5065% | 2,606 |
| Net interest margin | 3.4756% | 3,881 |
| Noninterest income to average assets | 0.1532% | 5,929 |
| Noninterest expense to average assets | 2.5487% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6860% | 3,965 |
| Return on assets (ROA) | 0.6932% | 4,044 |
| Pretax return on assets | 0.9278% | 3,789 |
| Return on Equity (ROE) | 8.8589% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.9021% | 2,680 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5142% | 2,923 |
| Assets per employee ($millions) | 3.6004% | 4,718 |
| Cash dividends to net income (ytd only)* | 44.6646% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 5,921 |
| Loan loss allowance to noncurrent loans | 82.8283% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 3,757 |
| Noncurrent loans to loans | 0.8833% | 3,111 |
| Net loans and leases to total assets | 68.6709% | 2,464 |
| Net loans and leases to deposits | 74.9231% | 3,321 |
| Net loans and leases to core deposits | 78.2453% | 3,493 |
| Total domestic deposits to total assets | 91.6552% | 196 |
| Equity capital to assets | 7.9693% | 6,083 |
| Core capital (leverage) ratio | 8.0422% | 5,976 |
| Tier 1 risk-based capital ratio | 13.9031% | 4,164 |
| Total risk-based capital ratio | 14.7846% | 4,328 |
| Memoranda: | ||
| Average total assets | $94,637,000 | 4,734 |
| Average earning assets | $90,229,400 | 4,648 |
| Average equity | $7,405,000 | 5,325 |
| Average total loans | $60,657,800 | 4,468 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,913 |
| Cost of funding earning assets | 0.5040% | 2,715 |
| Net interest margin | 3.4592% | 3,979 |
| Noninterest income to average assets | 0.1546% | 5,987 |
| Noninterest expense to average assets | 2.5391% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6830% | 4,024 |
| Return on assets (ROA) | 0.6936% | 4,065 |
| Pretax return on assets | 0.9206% | 3,901 |
| Return on Equity (ROE) | 8.9074% | 2,739 |
| Retained earnings to average equity (ytd only) | 3.5703% | 4,106 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6929% | 2,864 |
| Assets per employee ($millions) | 3.5264% | 4,811 |
| Cash dividends to net income (ytd only)* | 59.9190% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 5,921 |
| Loan loss allowance to noncurrent loans | 82.1369% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 3,943 |
| Noncurrent loans to loans | 0.9512% | 3,180 |
| Net loans and leases to total assets | 65.6192% | 2,935 |
| Net loans and leases to deposits | 71.5875% | 3,727 |
| Net loans and leases to core deposits | 74.5837% | 3,890 |
| Total domestic deposits to total assets | 91.6629% | 206 |
| Equity capital to assets | 7.8960% | 6,181 |
| Core capital (leverage) ratio | 8.0392% | 6,044 |
| Tier 1 risk-based capital ratio | 14.2255% | 4,067 |
| Total risk-based capital ratio | 15.1473% | 4,232 |
| Memoranda: | ||
| Average total assets | $93,993,750 | 4,799 |
| Average earning assets | $89,421,250 | 4,716 |
| Average equity | $7,319,500 | 5,386 |
| Average total loans | $59,010,500 | 4,558 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,898 |
| Cost of funding earning assets | 0.4987% | 2,850 |
| Net interest margin | 3.4615% | 3,930 |
| Noninterest income to average assets | 0.1432% | 6,103 |
| Noninterest expense to average assets | 2.5367% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6816% | 3,933 |
| Return on assets (ROA) | 0.6881% | 3,999 |
| Pretax return on assets | 0.9082% | 3,861 |
| Return on Equity (ROE) | 8.8787% | 2,644 |
| Retained earnings to average equity (ytd only) | 0.7996% | 5,427 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8184% | 3,005 |
| Assets per employee ($millions) | 3.4582% | 4,927 |
| Cash dividends to net income (ytd only)* | 90.9938% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 5,945 |
| Loan loss allowance to noncurrent loans | 82.8283% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 4,066 |
| Noncurrent loans to loans | 0.9801% | 3,275 |
| Net loans and leases to total assets | 64.3801% | 3,016 |
| Net loans and leases to deposits | 70.1755% | 3,804 |
| Net loans and leases to core deposits | 73.2201% | 3,930 |
| Total domestic deposits to total assets | 91.7416% | 209 |
| Equity capital to assets | 7.9039% | 6,205 |
| Core capital (leverage) ratio | 7.9541% | 6,132 |
| Tier 1 risk-based capital ratio | 14.0426% | 4,235 |
| Total risk-based capital ratio | 14.9730% | 4,379 |
| Memoranda: | ||
| Average total assets | $93,587,330 | 4,836 |
| Average earning assets | $89,037,000 | 4,750 |
| Average equity | $7,253,330 | 5,426 |
| Average total loans | $57,690,670 | 4,627 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 4,012 |
| Cost of funding earning assets | 0.4837% | 3,080 |
| Net interest margin | 3.4352% | 3,958 |
| Noninterest income to average assets | 0.1409% | 6,133 |
| Noninterest expense to average assets | 2.5188% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6776% | 3,803 |
| Return on assets (ROA) | 0.6873% | 3,830 |
| Pretax return on assets | 0.9093% | 3,663 |
| Return on Equity (ROE) | 8.9569% | 2,485 |
| Retained earnings to average equity (ytd only) | -7.3435% | 6,258 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7500% | 3,192 |
| Assets per employee ($millions) | 3.5972% | 4,728 |
| Cash dividends to net income (ytd only)* | 181.9876% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 5,982 |
| Loan loss allowance to noncurrent loans | 71.9298% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 3,929 |
| Noncurrent loans to loans | 1.1947% | 3,052 |
| Net loans and leases to total assets | 60.6909% | 3,444 |
| Net loans and leases to deposits | 65.9169% | 4,107 |
| Net loans and leases to core deposits | 68.3966% | 4,270 |
| Total domestic deposits to total assets | 92.0719% | 228 |
| Equity capital to assets | 7.6362% | 6,256 |
| Core capital (leverage) ratio | 7.7979% | 6,219 |
| Tier 1 risk-based capital ratio | 14.1483% | 4,226 |
| Total risk-based capital ratio | 15.1064% | 4,382 |
| Memoranda: | ||
| Average total assets | $93,695,000 | 4,879 |
| Average earning assets | $89,311,000 | 4,792 |
| Average equity | $7,190,000 | 5,471 |
| Average total loans | $56,233,500 | 4,718 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 4,140 |
| Cost of funding earning assets | 0.4987% | 3,625 |
| Net interest margin | 3.4840% | 3,967 |
| Noninterest income to average assets | 0.1728% | 6,050 |
| Noninterest expense to average assets | 2.6775% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6199% | 4,165 |
| Return on assets (ROA) | 0.6628% | 4,067 |
| Pretax return on assets | 0.8629% | 3,905 |
| Return on Equity (ROE) | 8.1443% | 2,960 |
| Retained earnings to average equity (ytd only) | 4.0512% | 3,304 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8352% | 2,649 |
| Assets per employee ($millions) | 3.6101% | 4,656 |
| Cash dividends to net income (ytd only)* | 50.2573% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 5,957 |
| Loan loss allowance to noncurrent loans | 98.0080% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 4,626 |
| Noncurrent loans to loans | 0.9092% | 3,711 |
| Net loans and leases to total assets | 58.2984% | 3,981 |
| Net loans and leases to deposits | 63.3531% | 4,578 |
| Net loans and leases to core deposits | 66.0654% | 4,686 |
| Total domestic deposits to total assets | 92.0213% | 280 |
| Equity capital to assets | 7.7113% | 6,182 |
| Core capital (leverage) ratio | 7.9480% | 6,172 |
| Tier 1 risk-based capital ratio | 14.6200% | 3,887 |
| Total risk-based capital ratio | 15.5924% | 4,000 |
| Memoranda: | ||
| Average total assets | $87,956,200 | 5,028 |
| Average earning assets | $83,611,800 | 4,943 |
| Average equity | $7,158,400 | 5,534 |
| Average total loans | $49,446,600 | 4,984 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 4,134 |
| Cost of funding earning assets | 0.4989% | 3,778 |
| Net interest margin | 3.5020% | 3,875 |
| Noninterest income to average assets | 0.1758% | 6,137 |
| Noninterest expense to average assets | 2.6888% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6179% | 4,264 |
| Return on assets (ROA) | 0.6753% | 4,127 |
| Pretax return on assets | 0.8850% | 3,945 |
| Return on Equity (ROE) | 8.1809% | 3,033 |
| Retained earnings to average equity (ytd only) | 2.7083% | 4,696 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8621% | 2,585 |
| Assets per employee ($millions) | 3.4620% | 4,919 |
| Cash dividends to net income (ytd only)* | 66.8950% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 5,936 |
| Loan loss allowance to noncurrent loans | 95.5340% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 4,733 |
| Noncurrent loans to loans | 0.9892% | 3,834 |
| Net loans and leases to total assets | 57.2917% | 4,123 |
| Net loans and leases to deposits | 62.4553% | 4,697 |
| Net loans and leases to core deposits | 64.3595% | 4,867 |
| Total domestic deposits to total assets | 91.7323% | 305 |
| Equity capital to assets | 7.8911% | 6,216 |
| Core capital (leverage) ratio | 8.2757% | 5,995 |
| Tier 1 risk-based capital ratio | 14.7198% | 3,936 |
| Total risk-based capital ratio | 15.7184% | 4,049 |
| Memoranda: | ||
| Average total assets | $86,479,750 | 5,112 |
| Average earning assets | $82,047,250 | 5,027 |
| Average equity | $7,138,500 | 5,599 |
| Average total loans | $48,005,250 | 5,075 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 4,172 |
| Cost of funding earning assets | 0.4915% | 3,976 |
| Net interest margin | 3.4924% | 3,811 |
| Noninterest income to average assets | 0.1782% | 6,141 |
| Noninterest expense to average assets | 2.7315% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5905% | 4,337 |
| Return on assets (ROA) | 0.6049% | 4,435 |
| Pretax return on assets | 0.7808% | 4,387 |
| Return on Equity (ROE) | 7.2165% | 3,482 |
| Retained earnings to average equity (ytd only) | -0.9790% | 6,048 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1879% | 2,429 |
| Assets per employee ($millions) | 3.3420% | 5,185 |
| Cash dividends to net income (ytd only)* | 113.5659% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 5,781 |
| Loan loss allowance to noncurrent loans | 216.7401% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 5,703 |
| Noncurrent loans to loans | 0.4657% | 5,092 |
| Net loans and leases to total assets | 55.5282% | 4,365 |
| Net loans and leases to deposits | 60.6654% | 4,897 |
| Net loans and leases to core deposits | 62.5871% | 5,047 |
| Total domestic deposits to total assets | 91.5319% | 367 |
| Equity capital to assets | 8.1102% | 6,122 |
| Core capital (leverage) ratio | 8.3780% | 5,790 |
| Tier 1 risk-based capital ratio | 15.0766% | 3,727 |
| Total risk-based capital ratio | 16.1255% | 3,824 |
| Memoranda: | ||
| Average total assets | $85,302,000 | 5,178 |
| Average earning assets | $80,975,000 | 5,089 |
| Average equity | $7,150,330 | 5,646 |
| Average total loans | $46,653,000 | 5,154 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 4,021 |
| Cost of funding earning assets | 0.4731% | 4,342 |
| Net interest margin | 3.5506% | 3,475 |
| Noninterest income to average assets | 0.1846% | 6,153 |
| Noninterest expense to average assets | 2.7027% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6532% | 3,943 |
| Return on assets (ROA) | 0.6532% | 4,097 |
| Pretax return on assets | 0.8567% | 3,929 |
| Return on Equity (ROE) | 7.6645% | 3,131 |
| Retained earnings to average equity (ytd only) | -8.6087% | 6,557 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9309% | 2,938 |
| Assets per employee ($millions) | 3.3922% | 5,226 |
| Cash dividends to net income (ytd only)* | 212.3188% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 5,699 |
| Loan loss allowance to noncurrent loans | 206.7227% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 5,726 |
| Noncurrent loans to loans | 0.5194% | 5,138 |
| Net loans and leases to total assets | 53.4479% | 4,492 |
| Net loans and leases to deposits | 58.6279% | 4,956 |
| Net loans and leases to core deposits | 60.2232% | 5,123 |
| Total domestic deposits to total assets | 91.1645% | 459 |
| Equity capital to assets | 8.3626% | 6,138 |
| Core capital (leverage) ratio | 8.3239% | 5,795 |
| Tier 1 risk-based capital ratio | 15.9948% | 3,272 |
| Total risk-based capital ratio | 17.1268% | 3,301 |
| Memoranda: | ||
| Average total assets | $84,507,500 | 5,249 |
| Average earning assets | $80,325,000 | 5,142 |
| Average equity | $7,202,000 | 5,691 |
| Average total loans | $45,609,000 | 5,229 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 4,900 |
| Cost of funding earning assets | 0.5079% | 5,161 |
| Net interest margin | 3.6048% | 4,060 |
| Noninterest income to average assets | 0.1751% | 6,150 |
| Noninterest expense to average assets | 2.6753% | 4,493 |
| Loan and lease loss provision to assets | -0.0235% | 6,838 |
| Net operating income to assets | 0.7143% | 3,671 |
| Return on assets (ROA) | 0.8177% | 3,447 |
| Pretax return on assets | 1.1068% | 3,136 |
| Return on Equity (ROE) | 9.8505% | 2,233 |
| Retained earnings to average equity (ytd only) | 5.7037% | 2,249 |
| Net charge-offs to loans | -0.0386% | 6,658 |
| Credit loss provision to net charge-offs | 117.6471% | 2,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9286% | 3,081 |
| Assets per employee ($millions) | 3.3684% | 5,291 |
| Cash dividends to net income (ytd only)* | 42.0977% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 5,617 |
| Loan loss allowance to noncurrent loans | 129.1339% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 5,348 |
| Noncurrent loans to loans | 0.8392% | 4,511 |
| Net loans and leases to total assets | 53.3280% | 4,712 |
| Net loans and leases to deposits | 58.7112% | 5,163 |
| Net loans and leases to core deposits | 59.7231% | 5,390 |
| Total domestic deposits to total assets | 90.8311% | 549 |
| Equity capital to assets | 8.6832% | 5,864 |
| Core capital (leverage) ratio | 8.4782% | 5,646 |
| Tier 1 risk-based capital ratio | 16.3888% | 2,946 |
| Total risk-based capital ratio | 17.5233% | 2,971 |
| Memoranda: | ||
| Average total assets | $85,113,400 | 5,215 |
| Average earning assets | $81,308,400 | 5,093 |
| Average equity | $7,065,600 | 5,743 |
| Average total loans | $43,998,200 | 5,330 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 5,021 |
| Cost of funding earning assets | 0.5101% | 5,377 |
| Net interest margin | 3.6348% | 4,080 |
| Noninterest income to average assets | 0.1672% | 6,301 |
| Noninterest expense to average assets | 2.6544% | 4,540 |
| Loan and lease loss provision to assets | -0.0313% | 6,976 |
| Net operating income to assets | 0.7497% | 3,693 |
| Return on assets (ROA) | 0.8780% | 3,331 |
| Pretax return on assets | 1.1905% | 3,019 |
| Return on Equity (ROE) | 10.6983% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.1208% | 3,276 |
| Net charge-offs to loans | -0.0519% | 6,720 |
| Credit loss provision to net charge-offs | 117.6471% | 2,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9185% | 3,159 |
| Assets per employee ($millions) | 3.3144% | 5,410 |
| Cash dividends to net income (ytd only)* | 52.1360% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,664 |
| Loan loss allowance to noncurrent loans | 534.7826% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 6,208 |
| Noncurrent loans to loans | 0.2083% | 6,084 |
| Net loans and leases to total assets | 52.6997% | 4,955 |
| Net loans and leases to deposits | 58.1854% | 5,414 |
| Net loans and leases to core deposits | 59.2063% | 5,634 |
| Total domestic deposits to total assets | 90.5720% | 572 |
| Equity capital to assets | 8.6894% | 6,115 |
| Core capital (leverage) ratio | 8.3447% | 5,951 |
| Tier 1 risk-based capital ratio | 16.6182% | 2,932 |
| Total risk-based capital ratio | 17.7908% | 2,948 |
| Memoranda: | ||
| Average total assets | $85,339,500 | 5,264 |
| Average earning assets | $81,542,750 | 5,124 |
| Average equity | $7,004,000 | 5,829 |
| Average total loans | $43,648,000 | 5,405 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 5,292 |
| Cost of funding earning assets | 0.5097% | 5,559 |
| Net interest margin | 3.5991% | 4,266 |
| Noninterest income to average assets | 0.1555% | 6,421 |
| Noninterest expense to average assets | 2.6112% | 4,736 |
| Loan and lease loss provision to assets | -0.0464% | 7,071 |
| Net operating income to assets | 0.7677% | 3,523 |
| Return on assets (ROA) | 0.8124% | 3,601 |
| Pretax return on assets | 1.0932% | 3,327 |
| Return on Equity (ROE) | 10.0884% | 2,319 |
| Retained earnings to average equity (ytd only) | 1.6430% | 5,382 |
| Net charge-offs to loans | -0.0782% | 6,796 |
| Credit loss provision to net charge-offs | 117.6471% | 2,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5806% | 3,327 |
| Assets per employee ($millions) | 3.3494% | 5,331 |
| Cash dividends to net income (ytd only)* | 83.7143% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,784 |
| Loan loss allowance to noncurrent loans | 107.6419% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 5,179 |
| Noncurrent loans to loans | 1.0190% | 4,470 |
| Net loans and leases to total assets | 53.0871% | 4,948 |
| Net loans and leases to deposits | 58.3128% | 5,417 |
| Net loans and leases to core deposits | 59.2786% | 5,668 |
| Total domestic deposits to total assets | 91.0385% | 436 |
| Equity capital to assets | 8.3847% | 6,312 |
| Core capital (leverage) ratio | 7.9777% | 6,298 |
| Tier 1 risk-based capital ratio | 15.8487% | 3,246 |
| Total risk-based capital ratio | 17.0042% | 3,271 |
| Memoranda: | ||
| Average total assets | $86,166,000 | 5,273 |
| Average earning assets | $82,409,000 | 5,141 |
| Average equity | $6,938,670 | 5,864 |
| Average total loans | $43,477,670 | 5,453 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 5,684 |
| Cost of funding earning assets | 0.5116% | 5,739 |
| Net interest margin | 3.5145% | 4,620 |
| Noninterest income to average assets | 0.1923% | 6,230 |
| Noninterest expense to average assets | 2.5772% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7370% | 3,697 |
| Return on assets (ROA) | 0.7370% | 3,932 |
| Pretax return on assets | 0.9796% | 3,750 |
| Return on Equity (ROE) | 9.3367% | 2,668 |
| Retained earnings to average equity (ytd only) | -7.6549% | 6,748 |
| Net charge-offs to loans | 0.0281% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 469 |
| Efficiency ratio | 72.4582% | 3,352 |
| Assets per employee ($millions) | 3.3497% | 5,456 |
| Cash dividends to net income (ytd only)* | 181.9876% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,732 |
| Loan loss allowance to noncurrent loans | 132.6146% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 5,624 |
| Noncurrent loans to loans | 0.8628% | 4,946 |
| Net loans and leases to total assets | 46.9992% | 5,684 |
| Net loans and leases to deposits | 51.1479% | 6,056 |
| Net loans and leases to core deposits | 51.6890% | 6,228 |
| Total domestic deposits to total assets | 91.8887% | 288 |
| Equity capital to assets | 7.5208% | 6,771 |
| Core capital (leverage) ratio | 7.6000% | 6,568 |
| Tier 1 risk-based capital ratio | 15.3794% | 3,511 |
| Total risk-based capital ratio | 16.5306% | 3,527 |
| Memoranda: | ||
| Average total assets | $87,381,000 | 5,281 |
| Average earning assets | $83,653,500 | 5,154 |
| Average equity | $6,897,500 | 5,903 |
| Average total loans | $42,743,500 | 5,517 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 5,354 |
| Cost of funding earning assets | 0.7188% | 5,413 |
| Net interest margin | 3.6985% | 4,299 |
| Noninterest income to average assets | 0.1939% | 6,114 |
| Noninterest expense to average assets | 2.6613% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7637% | 3,199 |
| Return on assets (ROA) | 0.8554% | 2,948 |
| Pretax return on assets | 1.1921% | 2,491 |
| Return on Equity (ROE) | 10.7339% | 1,790 |
| Retained earnings to average equity (ytd only) | 6.3597% | 1,825 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4240% | 3,708 |
| Assets per employee ($millions) | 3.2431% | 5,626 |
| Cash dividends to net income (ytd only)* | 40.7510% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,562 |
| Loan loss allowance to noncurrent loans | 202.0408% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 6,242 |
| Noncurrent loans to loans | 0.5766% | 5,557 |
| Net loans and leases to total assets | 49.8019% | 5,611 |
| Net loans and leases to deposits | 54.6542% | 6,006 |
| Net loans and leases to core deposits | 55.2067% | 6,213 |
| Total domestic deposits to total assets | 91.1219% | 455 |
| Equity capital to assets | 8.2934% | 6,358 |
| Core capital (leverage) ratio | 7.6992% | 6,533 |
| Tier 1 risk-based capital ratio | 16.4479% | 2,848 |
| Total risk-based capital ratio | 17.6622% | 2,828 |
| Memoranda: | ||
| Average total assets | $84,056,200 | 5,338 |
| Average earning assets | $80,276,400 | 5,221 |
| Average equity | $6,698,400 | 5,954 |
| Average total loans | $42,262,600 | 5,595 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 5,478 |
| Cost of funding earning assets | 0.7672% | 5,352 |
| Net interest margin | 3.6680% | 4,485 |
| Noninterest income to average assets | 0.1905% | 6,230 |
| Noninterest expense to average assets | 2.5605% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8119% | 3,097 |
| Return on assets (ROA) | 0.8667% | 3,021 |
| Pretax return on assets | 1.2049% | 2,612 |
| Return on Equity (ROE) | 10.9888% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.0918% | 3,115 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4062% | 4,057 |
| Assets per employee ($millions) | 3.3863% | 5,277 |
| Cash dividends to net income (ytd only)* | 53.6636% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,698 |
| Loan loss allowance to noncurrent loans | 1,596.7742% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 6,966 |
| Noncurrent loans to loans | 0.0718% | 6,750 |
| Net loans and leases to total assets | 48.4798% | 5,898 |
| Net loans and leases to deposits | 53.0117% | 6,289 |
| Net loans and leases to core deposits | 53.5216% | 6,487 |
| Total domestic deposits to total assets | 91.4510% | 309 |
| Equity capital to assets | 7.8551% | 6,777 |
| Core capital (leverage) ratio | 7.6462% | 6,674 |
| Tier 1 risk-based capital ratio | 15.8184% | 3,207 |
| Total risk-based capital ratio | 17.0169% | 3,199 |
| Memoranda: | ||
| Average total assets | $83,990,250 | 5,378 |
| Average earning assets | $80,113,500 | 5,266 |
| Average equity | $6,624,750 | 6,021 |
| Average total loans | $42,206,250 | 5,640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 5,586 |
| Cost of funding earning assets | 0.7869% | 5,465 |
| Net interest margin | 3.6453% | 4,540 |
| Noninterest income to average assets | 0.1864% | 6,328 |
| Noninterest expense to average assets | 2.5968% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7745% | 3,176 |
| Return on assets (ROA) | 0.7745% | 3,311 |
| Pretax return on assets | 1.0649% | 2,989 |
| Return on Equity (ROE) | 9.8044% | 2,185 |
| Retained earnings to average equity (ytd only) | 0.8272% | 5,534 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9187% | 3,945 |
| Assets per employee ($millions) | 3.2366% | 5,557 |
| Cash dividends to net income (ytd only)* | 91.5625% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,689 |
| Loan loss allowance to noncurrent loans | 2,750.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,056 |
| Noncurrent loans to loans | 0.0424% | 6,875 |
| Net loans and leases to total assets | 49.9049% | 5,836 |
| Net loans and leases to deposits | 54.5608% | 6,267 |
| Net loans and leases to core deposits | 55.1085% | 6,487 |
| Total domestic deposits to total assets | 91.4666% | 349 |
| Equity capital to assets | 7.8834% | 6,751 |
| Core capital (leverage) ratio | 7.6356% | 6,637 |
| Tier 1 risk-based capital ratio | 15.7088% | 3,120 |
| Total risk-based capital ratio | 16.9419% | 3,107 |
| Memoranda: | ||
| Average total assets | $82,638,670 | 5,466 |
| Average earning assets | $78,786,000 | 5,353 |
| Average equity | $6,527,670 | 6,074 |
| Average total loans | $41,882,000 | 5,707 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 5,462 |
| Cost of funding earning assets | 0.8051% | 5,552 |
| Net interest margin | 3.6612% | 4,275 |
| Noninterest income to average assets | 0.1905% | 6,357 |
| Noninterest expense to average assets | 2.6428% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7572% | 3,233 |
| Return on assets (ROA) | 0.7572% | 3,294 |
| Pretax return on assets | 1.0356% | 3,001 |
| Return on Equity (ROE) | 9.5760% | 2,257 |
| Retained earnings to average equity (ytd only) | -8.5258% | 6,784 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8459% | 3,900 |
| Assets per employee ($millions) | 3.3465% | 5,369 |
| Cash dividends to net income (ytd only)* | 189.0323% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 5,684 |
| 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 | 49.1167% | 5,947 |
| Net loans and leases to deposits | 53.5491% | 6,338 |
| Net loans and leases to core deposits | 54.0876% | 6,548 |
| Total domestic deposits to total assets | 91.7226% | 361 |
| Equity capital to assets | 7.6462% | 6,785 |
| Core capital (leverage) ratio | 7.6002% | 6,650 |
| Tier 1 risk-based capital ratio | 15.4097% | 3,204 |
| Total risk-based capital ratio | 16.6516% | 3,167 |
| Memoranda: | ||
| Average total assets | $81,882,000 | 5,527 |
| Average earning assets | $78,006,500 | 5,414 |
| Average equity | $6,474,500 | 6,101 |
| Average total loans | $41,577,500 | 5,784 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 4,841 |
| Cost of funding earning assets | 1.0315% | 5,524 |
| Net interest margin | 3.9071% | 3,455 |
| Noninterest income to average assets | 0.2493% | 6,018 |
| Noninterest expense to average assets | 2.8833% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7770% | 2,890 |
| Return on assets (ROA) | 0.7808% | 3,008 |
| Pretax return on assets | 1.0882% | 2,619 |
| Return on Equity (ROE) | 9.3293% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.7119% | 2,602 |
| Net charge-offs to loans | 0.0169% | 6,650 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 117.2857% | 221 |
| Efficiency ratio | 72.6970% | 3,657 |
| Assets per employee ($millions) | 3.2041% | 5,661 |
| Cash dividends to net income (ytd only)* | 49.4932% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 5,565 |
| Loan loss allowance to noncurrent loans | 16,500.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 7,263 |
| Noncurrent loans to loans | 0.0072% | 7,148 |
| Net loans and leases to total assets | 51.2759% | 6,013 |
| Net loans and leases to deposits | 56.1813% | 6,429 |
| Net loans and leases to core deposits | 56.5775% | 6,664 |
| Total domestic deposits to total assets | 91.2686% | 477 |
| Equity capital to assets | 8.1796% | 6,284 |
| Core capital (leverage) ratio | 8.0170% | 6,179 |
| Tier 1 risk-based capital ratio | 15.8855% | 2,802 |
| Total risk-based capital ratio | 17.1351% | 2,762 |
| Memoranda: | ||
| Average total assets | $75,815,800 | 5,721 |
| Average earning assets | $72,125,600 | 5,600 |
| Average equity | $6,345,600 | 6,254 |
| Average total loans | $41,329,000 | 5,869 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 4,698 |
| Cost of funding earning assets | 1.0932% | 5,460 |
| Net interest margin | 3.9313% | 3,399 |
| Noninterest income to average assets | 0.2319% | 6,232 |
| Noninterest expense to average assets | 2.8630% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7940% | 3,027 |
| Return on assets (ROA) | 0.7992% | 3,159 |
| Pretax return on assets | 1.1095% | 2,797 |
| Return on Equity (ROE) | 9.4903% | 2,321 |
| Retained earnings to average equity (ytd only) | 3.2834% | 4,136 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1997% | 3,658 |
| Assets per employee ($millions) | 3.0847% | 5,956 |
| Cash dividends to net income (ytd only)* | 65.4021% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 5,449 |
| Loan loss allowance to noncurrent loans | 135.6757% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 6,223 |
| Noncurrent loans to loans | 0.8914% | 5,458 |
| Net loans and leases to total assets | 53.1718% | 5,960 |
| Net loans and leases to deposits | 58.4958% | 6,429 |
| Net loans and leases to core deposits | 58.9254% | 6,672 |
| Total domestic deposits to total assets | 90.8984% | 485 |
| Equity capital to assets | 8.3820% | 6,418 |
| Core capital (leverage) ratio | 8.2408% | 5,974 |
| Tier 1 risk-based capital ratio | 15.3734% | 3,061 |
| Total risk-based capital ratio | 16.6237% | 3,026 |
| Memoranda: | ||
| Average total assets | $74,744,250 | 5,815 |
| Average earning assets | $70,984,500 | 5,703 |
| Average equity | $6,294,000 | 6,357 |
| Average total loans | $41,269,250 | 5,955 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 4,316 |
| Cost of funding earning assets | 1.1317% | 5,510 |
| Net interest margin | 3.9951% | 3,042 |
| Noninterest income to average assets | 0.2407% | 6,182 |
| Noninterest expense to average assets | 2.8964% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8172% | 2,892 |
| Return on assets (ROA) | 0.8248% | 3,000 |
| Pretax return on assets | 1.1548% | 2,570 |
| Return on Equity (ROE) | 9.7798% | 2,180 |
| Retained earnings to average equity (ytd only) | 0.3848% | 5,610 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6867% | 3,866 |
| Assets per employee ($millions) | 2.9184% | 6,318 |
| Cash dividends to net income (ytd only)* | 96.0656% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,407 |
| Loan loss allowance to noncurrent loans | 336.9128% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 6,890 |
| Noncurrent loans to loans | 0.3586% | 6,518 |
| Net loans and leases to total assets | 56.2670% | 5,664 |
| Net loans and leases to deposits | 62.1065% | 6,226 |
| Net loans and leases to core deposits | 62.5884% | 6,504 |
| Total domestic deposits to total assets | 90.5977% | 642 |
| Equity capital to assets | 8.6622% | 5,927 |
| Core capital (leverage) ratio | 8.1612% | 6,016 |
| Tier 1 risk-based capital ratio | 15.4115% | 2,945 |
| Total risk-based capital ratio | 16.6615% | 2,910 |
| Memoranda: | ||
| Average total assets | $73,953,000 | 5,869 |
| Average earning assets | $70,337,000 | 5,756 |
| Average equity | $6,237,330 | 6,394 |
| Average total loans | $41,190,000 | 6,002 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 4,367 |
| Cost of funding earning assets | 1.1769% | 5,525 |
| Net interest margin | 3.9586% | 3,060 |
| Noninterest income to average assets | 0.2471% | 6,178 |
| Noninterest expense to average assets | 2.8530% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8328% | 2,827 |
| Return on assets (ROA) | 0.8328% | 2,921 |
| Pretax return on assets | 1.1713% | 2,469 |
| Return on Equity (ROE) | 10.0065% | 2,101 |
| Retained earnings to average equity (ytd only) | -8.9090% | 6,887 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8945% | 4,136 |
| Assets per employee ($millions) | 3.1046% | 5,991 |
| Cash dividends to net income (ytd only)* | 189.0323% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 5,327 |
| Loan loss allowance to noncurrent loans | 101.0060% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6670% | 5,850 |
| Noncurrent loans to loans | 1.2188% | 4,932 |
| Net loans and leases to total assets | 54.0551% | 6,016 |
| Net loans and leases to deposits | 59.6325% | 6,500 |
| Net loans and leases to core deposits | 60.0835% | 6,741 |
| Total domestic deposits to total assets | 90.6470% | 675 |
| Equity capital to assets | 8.2015% | 6,430 |
| Core capital (leverage) ratio | 7.8618% | 6,423 |
| Tier 1 risk-based capital ratio | 15.1889% | 3,014 |
| Total risk-based capital ratio | 16.4392% | 2,979 |
| Memoranda: | ||
| Average total assets | $74,449,000 | 5,922 |
| Average earning assets | $71,035,000 | 5,815 |
| Average equity | $6,196,000 | 6,456 |
| Average total loans | $41,007,500 | 6,075 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5424% | 3,914 |
| Cost of funding earning assets | 1.4833% | 5,580 |
| Net interest margin | 4.0591% | 2,612 |
| Noninterest income to average assets | 0.2705% | 6,183 |
| Noninterest expense to average assets | 3.0526% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7711% | 2,629 |
| Return on assets (ROA) | 0.8325% | 2,490 |
| Pretax return on assets | 1.1700% | 2,033 |
| Return on Equity (ROE) | 10.0171% | 1,685 |
| Retained earnings to average equity (ytd only) | 5.1008% | 1,770 |
| Net charge-offs to loans | -0.0025% | 7,698 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8031% | 3,937 |
| Assets per employee ($millions) | 3.0995% | 5,994 |
| Cash dividends to net income (ytd only)* | 49.0787% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 5,255 |
| Loan loss allowance to noncurrent loans | 107.2650% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 5,894 |
| Noncurrent loans to loans | 1.1349% | 5,061 |
| Net loans and leases to total assets | 54.7596% | 6,112 |
| Net loans and leases to deposits | 60.3011% | 6,612 |
| Net loans and leases to core deposits | 73.1692% | 6,583 |
| Total domestic deposits to total assets | 90.8102% | 613 |
| Equity capital to assets | 8.4437% | 5,988 |
| Core capital (leverage) ratio | 8.1369% | 5,934 |
| Tier 1 risk-based capital ratio | 15.2885% | 2,804 |
| Total risk-based capital ratio | 16.5384% | 2,765 |
| Memoranda: | ||
| Average total assets | $71,710,000 | 5,953 |
| Average earning assets | $68,291,800 | 5,859 |
| Average equity | $5,959,800 | 6,618 |
| Average total loans | $39,938,600 | 6,112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6212% | 3,734 |
| Cost of funding earning assets | 1.5252% | 5,730 |
| Net interest margin | 4.0960% | 2,414 |
| Noninterest income to average assets | 0.2703% | 6,300 |
| Noninterest expense to average assets | 3.0517% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7957% | 2,833 |
| Return on assets (ROA) | 0.8783% | 2,581 |
| Pretax return on assets | 1.2312% | 2,159 |
| Return on Equity (ROE) | 10.6128% | 1,728 |
| Retained earnings to average equity (ytd only) | 3.9685% | 3,060 |
| Net charge-offs to loans | 0.0135% | 6,729 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 148.5891% | 259 |
| Efficiency ratio | 73.2432% | 4,008 |
| Assets per employee ($millions) | 3.0758% | 5,973 |
| Cash dividends to net income (ytd only)* | 62.6078% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 4,992 |
| Loan loss allowance to noncurrent loans | 776.5625% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 7,332 |
| Noncurrent loans to loans | 0.1575% | 7,094 |
| Net loans and leases to total assets | 54.3892% | 6,337 |
| Net loans and leases to deposits | 59.7793% | 6,840 |
| Net loans and leases to core deposits | 72.2221% | 6,835 |
| Total domestic deposits to total assets | 90.9832% | 430 |
| Equity capital to assets | 8.2487% | 6,564 |
| Core capital (leverage) ratio | 8.1452% | 6,111 |
| Tier 1 risk-based capital ratio | 15.2063% | 2,949 |
| Total risk-based capital ratio | 16.4562% | 2,892 |
| Memoranda: | ||
| Average total assets | $71,040,750 | 6,009 |
| Average earning assets | $67,575,750 | 5,920 |
| Average equity | $5,879,500 | 6,714 |
| Average total loans | $39,614,250 | 6,174 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7137% | 3,460 |
| Cost of funding earning assets | 1.5785% | 5,813 |
| Net interest margin | 4.1352% | 2,213 |
| Noninterest income to average assets | 0.2624% | 6,397 |
| Noninterest expense to average assets | 3.1063% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7816% | 2,925 |
| Return on assets (ROA) | 0.7816% | 3,019 |
| Pretax return on assets | 1.0868% | 2,679 |
| Return on Equity (ROE) | 9.4325% | 2,209 |
| Retained earnings to average equity (ytd only) | -0.6541% | 5,389 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0816% | 4,025 |
| Assets per employee ($millions) | 2.9569% | 6,247 |
| Cash dividends to net income (ytd only)* | 106.9343% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,469 |
| Loan loss allowance to noncurrent loans | 668.0000% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 7,306 |
| Noncurrent loans to loans | 0.1901% | 7,037 |
| Net loans and leases to total assets | 54.8933% | 6,350 |
| Net loans and leases to deposits | 60.2757% | 6,865 |
| Net loans and leases to core deposits | 70.9563% | 6,972 |
| Total domestic deposits to total assets | 91.0702% | 428 |
| Equity capital to assets | 8.2083% | 6,476 |
| Core capital (leverage) ratio | 8.0682% | 6,221 |
| Tier 1 risk-based capital ratio | 15.0743% | 2,992 |
| Total risk-based capital ratio | 16.3265% | 2,920 |
| Memoranda: | ||
| Average total assets | $70,115,000 | 6,080 |
| Average earning assets | $66,646,670 | 5,985 |
| Average equity | $5,809,670 | 6,792 |
| Average total loans | $39,270,330 | 6,236 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7289% | 3,645 |
| Cost of funding earning assets | 1.6058% | 6,014 |
| Net interest margin | 4.1231% | 2,201 |
| Noninterest income to average assets | 0.2583% | 6,380 |
| Noninterest expense to average assets | 2.9904% | 3,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8437% | 2,937 |
| Return on assets (ROA) | 0.8437% | 3,083 |
| Pretax return on assets | 1.1881% | 2,666 |
| Return on Equity (ROE) | 10.1344% | 2,273 |
| Retained earnings to average equity (ytd only) | -10.0655% | 7,121 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5659% | 4,258 |
| Assets per employee ($millions) | 2.9246% | 6,361 |
| Cash dividends to net income (ytd only)* | 199.3197% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 4,198 |
| Loan loss allowance to noncurrent loans | 650.6494% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 7,263 |
| Noncurrent loans to loans | 0.1968% | 6,968 |
| Net loans and leases to total assets | 55.0355% | 6,351 |
| Net loans and leases to deposits | 60.8050% | 6,825 |
| Net loans and leases to core deposits | 70.8976% | 6,966 |
| Total domestic deposits to total assets | 90.5116% | 587 |
| Equity capital to assets | 8.2746% | 6,425 |
| Core capital (leverage) ratio | 8.0012% | 6,440 |
| Tier 1 risk-based capital ratio | 15.0704% | 3,032 |
| Total risk-based capital ratio | 16.3211% | 2,975 |
| Memoranda: | ||
| Average total assets | $69,690,000 | 6,121 |
| Average earning assets | $66,260,500 | 6,031 |
| Average equity | $5,802,000 | 6,835 |
| Average total loans | $39,177,500 | 6,268 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0690% | 5,210 |
| Cost of funding earning assets | 2.1886% | 5,648 |
| Net interest margin | 3.8804% | 3,657 |
| Noninterest income to average assets | 0.3009% | 6,307 |
| Noninterest expense to average assets | 3.0456% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6328% | 4,178 |
| Return on assets (ROA) | 0.6328% | 4,021 |
| Pretax return on assets | 0.9129% | 3,682 |
| Return on Equity (ROE) | 7.6893% | 3,200 |
| Retained earnings to average equity (ytd only) | 2.4130% | 3,698 |
| Net charge-offs to loans | -0.0076% | 7,823 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9375% | 3,088 |
| Assets per employee ($millions) | 2.8829% | 6,360 |
| Cash dividends to net income (ytd only)* | 68.6183% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 3,946 |
| Loan loss allowance to noncurrent loans | 2,505.0000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 7,476 |
| Noncurrent loans to loans | 0.0510% | 7,306 |
| Net loans and leases to total assets | 55.9670% | 6,441 |
| Net loans and leases to deposits | 61.5217% | 6,987 |
| Net loans and leases to core deposits | 70.7657% | 7,147 |
| Total domestic deposits to total assets | 90.9711% | 337 |
| Equity capital to assets | 8.3771% | 6,301 |
| Core capital (leverage) ratio | 8.2113% | 6,146 |
| Tier 1 risk-based capital ratio | 15.5345% | 2,833 |
| Total risk-based capital ratio | 16.7848% | 2,766 |
| Memoranda: | ||
| Average total assets | $67,475,000 | 6,105 |
| Average earning assets | $63,601,800 | 6,034 |
| Average equity | $5,553,200 | 6,967 |
| Average total loans | $39,595,200 | 6,180 |