Home > Flint Hills Bank > Performance and Condition Ratios
Flint Hills Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 4,303 |
| Cost of funding earning assets | 1.1180% | 3,017 |
| Net interest margin | 2.5452% | 4,043 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.8280% | 3,955 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8714% | 2,630 |
| Return on assets (ROA) | 0.8175% | 2,796 |
| Pretax return on assets | 0.8519% | 3,089 |
| Return on Equity (ROE) | 12.6700% | 1,801 |
| Retained earnings to average equity (ytd only) | 4.4748% | 2,804 |
| 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 | 66.0143% | 2,352 |
| Assets per employee ($millions) | 6.7475% | 2,244 |
| Cash dividends to net income (ytd only)* | 64.6726% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.2200% | 3,642 |
| Net loans and leases to deposits | 53.3716% | 3,821 |
| Net loans and leases to core deposits | 59.1208% | 3,796 |
| Total domestic deposits to total assets | 92.2300% | 272 |
| Equity capital to assets | 7.5859% | 3,668 |
| Core capital (leverage) ratio | 12.6805% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $151,316,000 | 3,350 |
| Average earning assets | $144,546,000 | 3,297 |
| Average equity | $9,765,800 | 3,744 |
| Average total loans | $71,778,200 | 3,522 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5823% | 4,321 |
| Cost of funding earning assets | 1.0369% | 2,934 |
| Net interest margin | 2.5454% | 4,093 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.8180% | 3,942 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8940% | 2,701 |
| Return on assets (ROA) | 0.8822% | 2,731 |
| Pretax return on assets | 0.9191% | 3,058 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 5.7636% | 2,700 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.2913% | 2,355 |
| Assets per employee ($millions) | 7.0549% | 1,922 |
| Cash dividends to net income (ytd only)* | 59.6421% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,110 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.0400% | 3,737 |
| Net loans and leases to deposits | 51.0824% | 3,897 |
| Net loans and leases to core deposits | 56.2110% | 3,849 |
| Total domestic deposits to total assets | 94.0400% | 186 |
| Equity capital to assets | 5.7279% | 4,074 |
| Core capital (leverage) ratio | 12.6314% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $152,033,500 | 3,351 |
| Average earning assets | $145,304,250 | 3,304 |
| Average equity | $9,392,000 | 3,783 |
| Average total loans | $71,227,500 | 3,536 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5061% | 4,338 |
| Cost of funding earning assets | 0.9441% | 2,795 |
| Net interest margin | 2.5621% | 4,148 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8249% | 3,950 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8781% | 2,829 |
| Return on assets (ROA) | 0.8531% | 2,916 |
| Pretax return on assets | 0.8883% | 3,199 |
| Return on Equity (ROE) | 13.4900% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.2404% | 2,881 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.3738% | 2,325 |
| Assets per employee ($millions) | 6.9105% | 1,999 |
| Cash dividends to net income (ytd only)* | 61.1621% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,228 |
| Loan loss allowance to noncurrent loans | 45,000.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,895 |
| Noncurrent loans to loans | 0.0028% | 3,813 |
| Net loans and leases to total assets | 47.1300% | 3,734 |
| Net loans and leases to deposits | 50.5724% | 3,896 |
| Net loans and leases to core deposits | 55.1243% | 3,842 |
| Total domestic deposits to total assets | 93.2000% | 223 |
| Equity capital to assets | 6.6276% | 3,932 |
| Core capital (leverage) ratio | 12.3898% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $153,327,000 | 3,353 |
| Average earning assets | $146,600,667 | 3,307 |
| Average equity | $9,694,000 | 3,774 |
| Average total loans | $70,947,667 | 3,544 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4572% | 4,313 |
| Cost of funding earning assets | 0.8853% | 2,419 |
| Net interest margin | 2.5718% | 4,239 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.7925% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9747% | 2,608 |
| Return on assets (ROA) | 0.9872% | 2,535 |
| Pretax return on assets | 1.0287% | 2,908 |
| Return on Equity (ROE) | 15.9900% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.5766% | 2,345 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.8298% | 2,482 |
| Assets per employee ($millions) | 7.0321% | 1,955 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,273 |
| Loan loss allowance to noncurrent loans | 17,200.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,881 |
| Noncurrent loans to loans | 0.0073% | 3,785 |
| Net loans and leases to total assets | 43.7900% | 3,876 |
| Net loans and leases to deposits | 47.0056% | 3,996 |
| Net loans and leases to core deposits | 51.0573% | 3,954 |
| Total domestic deposits to total assets | 93.1700% | 281 |
| Equity capital to assets | 6.7024% | 3,961 |
| Core capital (leverage) ratio | 11.8199% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $153,975,000 | 3,390 |
| Average earning assets | $147,288,000 | 3,340 |
| Average equity | $9,503,000 | 3,838 |
| Average total loans | $70,144,000 | 3,600 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0068% | 4,124 |
| Cost of funding earning assets | 0.5016% | 1,378 |
| Net interest margin | 2.5053% | 4,287 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7194% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9583% | 2,734 |
| Return on assets (ROA) | 0.8814% | 2,979 |
| Pretax return on assets | 0.9151% | 3,312 |
| Return on Equity (ROE) | 11.7900% | 2,221 |
| Retained earnings to average equity (ytd only) | 4.5542% | 3,218 |
| Net charge-offs to loans | 0.0015% | 2,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,564.0000% | 112 |
| Efficiency ratio | 63.3380% | 2,584 |
| Assets per employee ($millions) | 6.9656% | 2,000 |
| Cash dividends to net income (ytd only)* | 61.3718% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 486 |
| Loan loss allowance to noncurrent loans | 13,880.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,847 |
| Noncurrent loans to loans | 0.0140% | 3,737 |
| Net loans and leases to total assets | 45.8700% | 3,810 |
| Net loans and leases to deposits | 50.7249% | 3,868 |
| Net loans and leases to core deposits | 54.6367% | 3,784 |
| Total domestic deposits to total assets | 90.4200% | 1,188 |
| Equity capital to assets | 5.6361% | 4,198 |
| Core capital (leverage) ratio | 11.7579% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $157,143,600 | 3,371 |
| Average earning assets | $150,323,600 | 3,326 |
| Average equity | $11,747,400 | 3,689 |
| Average total loans | $68,573,600 | 3,600 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9228% | 4,031 |
| Cost of funding earning assets | 0.4326% | 1,087 |
| Net interest margin | 2.4901% | 4,216 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.6932% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9780% | 2,549 |
| Return on assets (ROA) | 0.9739% | 2,544 |
| Pretax return on assets | 1.0102% | 2,986 |
| Return on Equity (ROE) | 12.3000% | 1,941 |
| Retained earnings to average equity (ytd only) | 5.3758% | 2,963 |
| Net charge-offs to loans | 0.0020% | 2,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,203.0000% | 121 |
| Efficiency ratio | 62.5350% | 2,759 |
| Assets per employee ($millions) | 6.9520% | 1,983 |
| Cash dividends to net income (ytd only)* | 56.2771% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 491 |
| Loan loss allowance to noncurrent loans | 13,880.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,942 |
| Noncurrent loans to loans | 0.0145% | 3,826 |
| Net loans and leases to total assets | 44.1800% | 3,867 |
| Net loans and leases to deposits | 48.3552% | 3,938 |
| Net loans and leases to core deposits | 52.4688% | 3,832 |
| Total domestic deposits to total assets | 91.3700% | 1,093 |
| Equity capital to assets | 5.5302% | 4,122 |
| Core capital (leverage) ratio | 11.5991% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $158,118,500 | 3,384 |
| Average earning assets | $151,312,750 | 3,339 |
| Average equity | $12,525,000 | 3,654 |
| Average total loans | $67,797,750 | 3,627 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8156% | 3,947 |
| Cost of funding earning assets | 0.3751% | 1,079 |
| Net interest margin | 2.4404% | 4,177 |
| Noninterest income to average assets | 0.3141% | 3,284 |
| Noninterest expense to average assets | 1.6479% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9697% | 2,269 |
| Return on assets (ROA) | 0.9697% | 2,244 |
| Pretax return on assets | 1.0022% | 2,723 |
| Return on Equity (ROE) | 11.1666% | 1,931 |
| Retained earnings to average equity (ytd only) | 4.6828% | 2,826 |
| Net charge-offs to loans | 0.0148% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 160.2000% | 610 |
| Efficiency ratio | 62.1813% | 3,022 |
| Assets per employee ($millions) | 7.9543% | 1,335 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9931% | 561 |
| Loan loss allowance to noncurrent loans | 11,533.3333% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,963 |
| Noncurrent loans to loans | 0.0173% | 3,836 |
| Net loans and leases to total assets | 42.7794% | 3,912 |
| Net loans and leases to deposits | 46.8712% | 3,991 |
| Net loans and leases to core deposits | 50.6727% | 3,898 |
| Total domestic deposits to total assets | 91.2701% | 1,119 |
| Equity capital to assets | 6.7316% | 3,922 |
| Core capital (leverage) ratio | 11.3998% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,843,667 | 3,411 |
| Average earning assets | $153,007,333 | 3,365 |
| Average equity | $13,880,667 | 3,595 |
| Average total loans | $67,409,667 | 3,666 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7419% | 3,861 |
| Cost of funding earning assets | 0.3525% | 1,177 |
| Net interest margin | 2.3894% | 4,096 |
| Noninterest income to average assets | 0.3121% | 3,232 |
| Noninterest expense to average assets | 1.6527% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9237% | 2,184 |
| Return on assets (ROA) | 0.9212% | 2,191 |
| Pretax return on assets | 0.9412% | 2,630 |
| Return on Equity (ROE) | 9.5432% | 2,138 |
| Retained earnings to average equity (ytd only) | 3.0776% | 3,233 |
| Net charge-offs to loans | 0.0301% | 1,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 75.6000% | 768 |
| Efficiency ratio | 63.6538% | 3,075 |
| Assets per employee ($millions) | 7.4268% | 1,727 |
| Cash dividends to net income (ytd only)* | 67.7507% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 509 |
| Loan loss allowance to noncurrent loans | 9,885.7143% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,986 |
| Noncurrent loans to loans | 0.0214% | 3,840 |
| Net loans and leases to total assets | 39.2533% | 4,056 |
| Net loans and leases to deposits | 43.6442% | 4,082 |
| Net loans and leases to core deposits | 47.4298% | 4,010 |
| Total domestic deposits to total assets | 89.9394% | 1,600 |
| Equity capital to assets | 8.1272% | 3,470 |
| Core capital (leverage) ratio | 11.4145% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,222,500 | 3,420 |
| Average earning assets | $153,176,500 | 3,378 |
| Average equity | $15,466,500 | 3,520 |
| Average total loans | $66,394,500 | 3,691 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1970% | 3,477 |
| Cost of funding earning assets | 0.3937% | 1,587 |
| Net interest margin | 2.8033% | 3,661 |
| Noninterest income to average assets | 0.2955% | 3,631 |
| Noninterest expense to average assets | 1.6652% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2675% | 1,694 |
| Return on assets (ROA) | 1.3612% | 1,453 |
| Pretax return on assets | 1.4214% | 1,976 |
| Return on Equity (ROE) | 11.6387% | 1,933 |
| Retained earnings to average equity (ytd only) | 6.1096% | 2,313 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7118% | 3,732 |
| Assets per employee ($millions) | 7.1389% | 1,838 |
| Cash dividends to net income (ytd only)* | 47.5059% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 557 |
| Loan loss allowance to noncurrent loans | 6,945.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,015 |
| Noncurrent loans to loans | 0.0297% | 3,861 |
| Net loans and leases to total assets | 41.9471% | 3,982 |
| Net loans and leases to deposits | 48.3647% | 3,976 |
| Net loans and leases to core deposits | 53.0824% | 3,822 |
| Total domestic deposits to total assets | 86.7308% | 2,608 |
| Equity capital to assets | 11.2406% | 1,638 |
| Core capital (leverage) ratio | 11.9277% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,639,200 | 3,445 |
| Average earning assets | $148,576,600 | 3,391 |
| Average equity | $18,086,200 | 3,375 |
| Average total loans | $66,684,600 | 3,714 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 3,288 |
| Cost of funding earning assets | 0.4014% | 1,686 |
| Net interest margin | 2.9365% | 3,465 |
| Noninterest income to average assets | 0.3038% | 3,617 |
| Noninterest expense to average assets | 1.6489% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4159% | 1,490 |
| Return on assets (ROA) | 1.5355% | 1,229 |
| Pretax return on assets | 1.6039% | 1,690 |
| Return on Equity (ROE) | 13.0001% | 1,692 |
| Retained earnings to average equity (ytd only) | 7.5040% | 2,219 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7117% | 3,957 |
| Assets per employee ($millions) | 7.2417% | 1,715 |
| Cash dividends to net income (ytd only)* | 42.2773% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1649% | 481 |
| Loan loss allowance to noncurrent loans | 8,170.5882% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,152 |
| Noncurrent loans to loans | 0.0265% | 4,005 |
| Net loans and leases to total assets | 41.2757% | 4,129 |
| Net loans and leases to deposits | 48.0856% | 4,116 |
| Net loans and leases to core deposits | 53.0578% | 3,975 |
| Total domestic deposits to total assets | 85.8379% | 2,805 |
| Equity capital to assets | 12.0066% | 1,399 |
| Core capital (leverage) ratio | 11.9253% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,035,250 | 3,483 |
| Average earning assets | $148,156,500 | 3,432 |
| Average equity | $18,194,250 | 3,411 |
| Average total loans | $66,538,500 | 3,769 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 3,370 |
| Cost of funding earning assets | 0.4060% | 1,836 |
| Net interest margin | 2.9163% | 3,539 |
| Noninterest income to average assets | 0.2935% | 3,667 |
| Noninterest expense to average assets | 1.6317% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4024% | 1,559 |
| Return on assets (ROA) | 1.5774% | 1,157 |
| Pretax return on assets | 1.6485% | 1,619 |
| Return on Equity (ROE) | 13.4268% | 1,589 |
| Retained earnings to average equity (ytd only) | 7.9240% | 2,105 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6711% | 3,966 |
| Assets per employee ($millions) | 7.4136% | 1,529 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 513 |
| Loan loss allowance to noncurrent loans | 7,310.5263% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,215 |
| Noncurrent loans to loans | 0.0286% | 4,069 |
| Net loans and leases to total assets | 41.7702% | 4,193 |
| Net loans and leases to deposits | 48.4817% | 4,183 |
| Net loans and leases to core deposits | 53.1534% | 4,073 |
| Total domestic deposits to total assets | 86.1567% | 2,683 |
| Equity capital to assets | 11.7706% | 1,472 |
| Core capital (leverage) ratio | 11.5747% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,688,667 | 3,482 |
| Average earning assets | $148,752,333 | 3,434 |
| Average equity | $18,172,667 | 3,412 |
| Average total loans | $67,331,667 | 3,774 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7104% | 4,466 |
| Cost of funding earning assets | 0.4157% | 1,966 |
| Net interest margin | 2.2947% | 4,531 |
| Noninterest income to average assets | 0.2931% | 3,650 |
| Noninterest expense to average assets | 1.6421% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8185% | 3,360 |
| Return on assets (ROA) | 1.1622% | 2,358 |
| Pretax return on assets | 1.2141% | 2,808 |
| Return on Equity (ROE) | 9.9025% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.3765% | 3,392 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7321% | 2,264 |
| Assets per employee ($millions) | 7.5269% | 1,436 |
| Cash dividends to net income (ytd only)* | 55.8036% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 480 |
| Loan loss allowance to noncurrent loans | 6,614.2857% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,287 |
| Noncurrent loans to loans | 0.0321% | 4,121 |
| Net loans and leases to total assets | 40.5102% | 4,317 |
| Net loans and leases to deposits | 46.6304% | 4,319 |
| Net loans and leases to core deposits | 50.8922% | 4,249 |
| Total domestic deposits to total assets | 86.8749% | 2,359 |
| Equity capital to assets | 11.1120% | 1,779 |
| Core capital (leverage) ratio | 11.5239% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,190,500 | 3,487 |
| Average earning assets | $148,169,000 | 3,439 |
| Average equity | $18,096,500 | 3,413 |
| Average total loans | $67,788,000 | 3,778 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 3,977 |
| Cost of funding earning assets | 0.5549% | 2,580 |
| Net interest margin | 2.9695% | 3,963 |
| Noninterest income to average assets | 0.3154% | 3,578 |
| Noninterest expense to average assets | 1.8079% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3023% | 1,243 |
| Return on assets (ROA) | 1.2893% | 1,378 |
| Pretax return on assets | 1.3412% | 1,849 |
| Return on Equity (ROE) | 10.0875% | 1,970 |
| Retained earnings to average equity (ytd only) | 4.5296% | 2,515 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1653% | 3,835 |
| Assets per employee ($millions) | 7.1580% | 1,471 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 617 |
| Loan loss allowance to noncurrent loans | 4,209.0909% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,285 |
| Noncurrent loans to loans | 0.0470% | 4,108 |
| Net loans and leases to total assets | 45.7473% | 4,139 |
| Net loans and leases to deposits | 55.2937% | 4,049 |
| Net loans and leases to core deposits | 60.9649% | 3,889 |
| Total domestic deposits to total assets | 82.7352% | 3,484 |
| Equity capital to assets | 12.3931% | 1,368 |
| Core capital (leverage) ratio | 11.9153% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,772,000 | 3,499 |
| Average earning assets | $134,972,600 | 3,446 |
| Average equity | $17,992,600 | 3,367 |
| Average total loans | $70,738,400 | 3,720 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 3,900 |
| Cost of funding earning assets | 0.5862% | 2,700 |
| Net interest margin | 3.0727% | 3,804 |
| Noninterest income to average assets | 0.3228% | 3,552 |
| Noninterest expense to average assets | 1.8315% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3816% | 1,148 |
| Return on assets (ROA) | 1.3595% | 1,305 |
| Pretax return on assets | 1.4124% | 1,685 |
| Return on Equity (ROE) | 10.5492% | 1,832 |
| Retained earnings to average equity (ytd only) | 4.9419% | 2,584 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0602% | 3,914 |
| Assets per employee ($millions) | 6.5639% | 1,776 |
| Cash dividends to net income (ytd only)* | 53.1538% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 557 |
| Loan loss allowance to noncurrent loans | 3,754.0541% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 4,335 |
| Noncurrent loans to loans | 0.0514% | 4,166 |
| Net loans and leases to total assets | 48.8750% | 4,166 |
| Net loans and leases to deposits | 59.3521% | 4,105 |
| Net loans and leases to core deposits | 65.2805% | 3,938 |
| Total domestic deposits to total assets | 82.3476% | 3,327 |
| Equity capital to assets | 12.7876% | 1,285 |
| Core capital (leverage) ratio | 12.0446% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,385,750 | 3,524 |
| Average earning assets | $132,607,250 | 3,465 |
| Average equity | $17,833,500 | 3,380 |
| Average total loans | $70,884,250 | 3,733 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 3,931 |
| Cost of funding earning assets | 0.6310% | 2,809 |
| Net interest margin | 3.1441% | 3,797 |
| Noninterest income to average assets | 0.3197% | 3,551 |
| Noninterest expense to average assets | 1.8727% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4063% | 1,101 |
| Return on assets (ROA) | 1.3697% | 1,274 |
| Pretax return on assets | 1.4196% | 1,675 |
| Return on Equity (ROE) | 10.6000% | 1,777 |
| Retained earnings to average equity (ytd only) | 4.9255% | 2,514 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2307% | 3,911 |
| Assets per employee ($millions) | 6.9298% | 1,479 |
| Cash dividends to net income (ytd only)* | 53.5332% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 557 |
| Loan loss allowance to noncurrent loans | 555.6000% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,670 |
| Noncurrent loans to loans | 0.3381% | 3,181 |
| Net loans and leases to total assets | 49.8595% | 4,168 |
| Net loans and leases to deposits | 60.0050% | 4,121 |
| Net loans and leases to core deposits | 65.8798% | 3,974 |
| Total domestic deposits to total assets | 83.0923% | 3,059 |
| Equity capital to assets | 12.5807% | 1,345 |
| Core capital (leverage) ratio | 12.4225% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,379,333 | 3,526 |
| Average earning assets | $130,592,333 | 3,465 |
| Average equity | $17,622,667 | 3,402 |
| Average total loans | $70,523,333 | 3,744 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 4,129 |
| Cost of funding earning assets | 0.7334% | 2,766 |
| Net interest margin | 3.1176% | 4,054 |
| Noninterest income to average assets | 0.3642% | 3,331 |
| Noninterest expense to average assets | 1.9483% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3619% | 1,077 |
| Return on assets (ROA) | 1.3262% | 1,264 |
| Pretax return on assets | 1.3596% | 1,689 |
| Return on Equity (ROE) | 10.1157% | 1,706 |
| Retained earnings to average equity (ytd only) | 3.1713% | 3,009 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2577% | 3,963 |
| Assets per employee ($millions) | 6.0357% | 1,650 |
| Cash dividends to net income (ytd only)* | 68.6499% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0066% | 496 |
| Loan loss allowance to noncurrent loans | 546.8504% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 3,731 |
| Noncurrent loans to loans | 0.3669% | 3,172 |
| Net loans and leases to total assets | 51.0833% | 4,175 |
| Net loans and leases to deposits | 60.5715% | 4,180 |
| Net loans and leases to core deposits | 67.0128% | 4,030 |
| Total domestic deposits to total assets | 84.3356% | 2,658 |
| Equity capital to assets | 13.2191% | 1,330 |
| Core capital (leverage) ratio | 12.8140% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7897% | 458 |
| Memoranda: | ||
| Average total assets | $131,806,500 | 3,566 |
| Average earning assets | $125,994,000 | 3,498 |
| Average equity | $17,280,000 | 3,443 |
| Average total loans | $68,811,500 | 3,785 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 4,210 |
| Cost of funding earning assets | 0.7922% | 2,719 |
| Net interest margin | 3.2271% | 4,134 |
| Noninterest income to average assets | 0.4490% | 3,013 |
| Noninterest expense to average assets | 1.9724% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4935% | 1,070 |
| Return on assets (ROA) | 1.5730% | 949 |
| Pretax return on assets | 1.6403% | 1,365 |
| Return on Equity (ROE) | 12.5418% | 1,316 |
| Retained earnings to average equity (ytd only) | 6.0611% | 1,834 |
| Net charge-offs to loans | -0.0029% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8772% | 4,217 |
| Assets per employee ($millions) | 5.9467% | 1,668 |
| Cash dividends to net income (ytd only)* | 51.6732% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 439 |
| Loan loss allowance to noncurrent loans | 2,893.7500% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,461 |
| Noncurrent loans to loans | 0.0702% | 4,254 |
| Net loans and leases to total assets | 51.2230% | 4,272 |
| Net loans and leases to deposits | 60.5771% | 4,262 |
| Net loans and leases to core deposits | 66.7404% | 4,149 |
| Total domestic deposits to total assets | 84.5584% | 2,660 |
| Equity capital to assets | 12.9995% | 1,521 |
| Core capital (leverage) ratio | 12.7162% | 1,363 |
| Tier 1 risk-based capital ratio | 23.3398% | 883 |
| Total risk-based capital ratio | 24.5979% | 863 |
| Memoranda: | ||
| Average total assets | $129,182,200 | 3,574 |
| Average earning assets | $123,331,000 | 3,515 |
| Average equity | $16,201,800 | 3,525 |
| Average total loans | $69,994,000 | 3,778 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 4,310 |
| Cost of funding earning assets | 0.8035% | 2,701 |
| Net interest margin | 3.2193% | 4,252 |
| Noninterest income to average assets | 0.6088% | 2,162 |
| Noninterest expense to average assets | 1.9528% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6598% | 814 |
| Return on assets (ROA) | 1.6598% | 853 |
| Pretax return on assets | 1.7302% | 1,247 |
| Return on Equity (ROE) | 13.3576% | 1,156 |
| Retained earnings to average equity (ytd only) | 7.1079% | 1,815 |
| Net charge-offs to loans | -0.0019% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0222% | 4,496 |
| Assets per employee ($millions) | 5.8350% | 1,730 |
| Cash dividends to net income (ytd only)* | 46.7875% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 524 |
| Loan loss allowance to noncurrent loans | 4,206.0606% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,610 |
| Noncurrent loans to loans | 0.0461% | 4,442 |
| Net loans and leases to total assets | 54.7324% | 4,115 |
| Net loans and leases to deposits | 64.9539% | 4,127 |
| Net loans and leases to core deposits | 71.4940% | 3,978 |
| Total domestic deposits to total assets | 84.2635% | 2,725 |
| Equity capital to assets | 13.1806% | 1,526 |
| Core capital (leverage) ratio | 12.8309% | 1,417 |
| Tier 1 risk-based capital ratio | 22.5072% | 1,009 |
| Total risk-based capital ratio | 23.7647% | 974 |
| Memoranda: | ||
| Average total assets | $128,770,750 | 3,619 |
| Average earning assets | $122,965,250 | 3,559 |
| Average equity | $16,000,500 | 3,577 |
| Average total loans | $70,391,750 | 3,809 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 4,448 |
| Cost of funding earning assets | 0.7886% | 2,697 |
| Net interest margin | 3.1756% | 4,412 |
| Noninterest income to average assets | 0.4934% | 2,711 |
| Noninterest expense to average assets | 1.9255% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5407% | 1,029 |
| Return on assets (ROA) | 1.5407% | 1,082 |
| Pretax return on assets | 1.6043% | 1,534 |
| Return on Equity (ROE) | 12.6545% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.2827% | 2,156 |
| Net charge-offs to loans | 0.0029% | 3,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,034.0000% | 66 |
| Efficiency ratio | 54.5495% | 4,409 |
| Assets per employee ($millions) | 5.9697% | 1,569 |
| Cash dividends to net income (ytd only)* | 50.3525% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 545 |
| Loan loss allowance to noncurrent loans | 3,960.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,642 |
| Noncurrent loans to loans | 0.0484% | 4,471 |
| Net loans and leases to total assets | 53.9857% | 4,208 |
| Net loans and leases to deposits | 64.3163% | 4,210 |
| Net loans and leases to core deposits | 70.6396% | 4,081 |
| Total domestic deposits to total assets | 83.9378% | 2,893 |
| Equity capital to assets | 12.4774% | 1,869 |
| Core capital (leverage) ratio | 12.5354% | 1,519 |
| Tier 1 risk-based capital ratio | 21.7642% | 1,083 |
| Total risk-based capital ratio | 23.0216% | 1,057 |
| Memoranda: | ||
| Average total assets | $128,904,330 | 3,633 |
| Average earning assets | $123,252,330 | 3,576 |
| Average equity | $15,694,000 | 3,612 |
| Average total loans | $69,973,000 | 3,840 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 4,529 |
| Cost of funding earning assets | 0.7508% | 2,788 |
| Net interest margin | 3.1639% | 4,472 |
| Noninterest income to average assets | 0.4010% | 3,176 |
| Noninterest expense to average assets | 1.9453% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4159% | 1,334 |
| Return on assets (ROA) | 1.4159% | 1,363 |
| Pretax return on assets | 1.4786% | 1,841 |
| Return on Equity (ROE) | 11.7804% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.2647% | 2,791 |
| Net charge-offs to loans | -0.0058% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8161% | 4,236 |
| Assets per employee ($millions) | 6.1035% | 1,468 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 451 |
| Loan loss allowance to noncurrent loans | 3,470.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 4,687 |
| Noncurrent loans to loans | 0.0592% | 4,493 |
| Net loans and leases to total assets | 51.6599% | 4,362 |
| Net loans and leases to deposits | 60.0662% | 4,408 |
| Net loans and leases to core deposits | 65.7779% | 4,290 |
| Total domestic deposits to total assets | 86.0049% | 2,282 |
| Equity capital to assets | 12.2912% | 1,850 |
| Core capital (leverage) ratio | 12.4598% | 1,538 |
| Tier 1 risk-based capital ratio | 22.7311% | 967 |
| Total risk-based capital ratio | 23.9890% | 942 |
| Memoranda: | ||
| Average total assets | $127,690,000 | 3,686 |
| Average earning assets | $122,002,000 | 3,632 |
| Average equity | $15,347,500 | 3,663 |
| Average total loans | $68,816,000 | 3,895 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 4,496 |
| Cost of funding earning assets | 0.6423% | 2,448 |
| Net interest margin | 3.1526% | 4,572 |
| Noninterest income to average assets | 0.3384% | 3,852 |
| Noninterest expense to average assets | 1.9195% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3708% | 1,530 |
| Return on assets (ROA) | 1.3635% | 1,544 |
| Pretax return on assets | 1.4236% | 2,062 |
| Return on Equity (ROE) | 12.3853% | 1,586 |
| Retained earnings to average equity (ytd only) | 5.4777% | 2,494 |
| Net charge-offs to loans | 0.0044% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 627.3333% | 173 |
| Efficiency ratio | 57.2855% | 4,248 |
| Assets per employee ($millions) | 5.7821% | 1,690 |
| Cash dividends to net income (ytd only)* | 55.7724% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9806% | 488 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,710 |
| Noncurrent loans to loans | 0.0543% | 4,506 |
| Net loans and leases to total assets | 53.9617% | 4,280 |
| Net loans and leases to deposits | 62.9146% | 4,319 |
| Net loans and leases to core deposits | 68.5813% | 4,207 |
| Total domestic deposits to total assets | 85.7697% | 2,338 |
| Equity capital to assets | 11.7454% | 2,068 |
| Core capital (leverage) ratio | 12.1723% | 1,623 |
| Tier 1 risk-based capital ratio | 21.8750% | 1,047 |
| Total risk-based capital ratio | 23.1326% | 1,029 |
| Memoranda: | ||
| Average total assets | $131,495,600 | 3,632 |
| Average earning assets | $125,644,200 | 3,565 |
| Average equity | $14,476,800 | 3,701 |
| Average total loans | $68,138,600 | 3,913 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7069% | 4,634 |
| Cost of funding earning assets | 0.6133% | 2,386 |
| Net interest margin | 3.0936% | 4,718 |
| Noninterest income to average assets | 0.3450% | 3,839 |
| Noninterest expense to average assets | 1.8958% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3477% | 1,670 |
| Return on assets (ROA) | 1.3477% | 1,685 |
| Pretax return on assets | 1.4070% | 2,202 |
| Return on Equity (ROE) | 12.4410% | 1,622 |
| Retained earnings to average equity (ytd only) | 5.4778% | 2,968 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3995% | 4,200 |
| Assets per employee ($millions) | 6.5792% | 1,145 |
| Cash dividends to net income (ytd only)* | 55.9705% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 476 |
| Loan loss allowance to noncurrent loans | 3,564.1026% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 4,837 |
| Noncurrent loans to loans | 0.0563% | 4,638 |
| Net loans and leases to total assets | 51.5462% | 4,500 |
| Net loans and leases to deposits | 62.0078% | 4,439 |
| Net loans and leases to core deposits | 67.5652% | 4,320 |
| Total domestic deposits to total assets | 83.1285% | 3,256 |
| Equity capital to assets | 10.8441% | 2,806 |
| Core capital (leverage) ratio | 11.5971% | 2,089 |
| Tier 1 risk-based capital ratio | 21.5550% | 1,108 |
| Total risk-based capital ratio | 22.8130% | 1,086 |
| Memoranda: | ||
| Average total assets | $132,567,750 | 3,649 |
| Average earning assets | $126,751,500 | 3,584 |
| Average equity | $14,360,750 | 3,740 |
| Average total loans | $67,665,750 | 3,954 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 4,724 |
| Cost of funding earning assets | 0.5664% | 2,460 |
| Net interest margin | 3.0599% | 4,794 |
| Noninterest income to average assets | 0.3311% | 3,969 |
| Noninterest expense to average assets | 1.8721% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3274% | 1,670 |
| Return on assets (ROA) | 1.3274% | 1,675 |
| Pretax return on assets | 1.3860% | 2,197 |
| Return on Equity (ROE) | 12.2574% | 1,637 |
| Retained earnings to average equity (ytd only) | 5.3088% | 2,930 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4596% | 4,308 |
| Assets per employee ($millions) | 6.7370% | 1,053 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 525 |
| Loan loss allowance to noncurrent loans | 6,043.4783% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,949 |
| Noncurrent loans to loans | 0.0330% | 4,771 |
| Net loans and leases to total assets | 50.6880% | 4,567 |
| Net loans and leases to deposits | 60.1100% | 4,524 |
| Net loans and leases to core deposits | 65.2299% | 4,410 |
| Total domestic deposits to total assets | 84.3254% | 2,949 |
| Equity capital to assets | 10.6494% | 2,968 |
| Core capital (leverage) ratio | 11.4433% | 2,115 |
| Tier 1 risk-based capital ratio | 21.1139% | 1,153 |
| Total risk-based capital ratio | 22.3724% | 1,126 |
| Memoranda: | ||
| Average total assets | $132,896,000 | 3,665 |
| Average earning assets | $127,127,330 | 3,600 |
| Average equity | $14,391,330 | 3,755 |
| Average total loans | $67,149,000 | 3,996 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 4,796 |
| Cost of funding earning assets | 0.5296% | 2,542 |
| Net interest margin | 3.0188% | 4,851 |
| Noninterest income to average assets | 0.2819% | 4,288 |
| Noninterest expense to average assets | 1.9125% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2033% | 1,989 |
| Return on assets (ROA) | 1.2033% | 2,001 |
| Pretax return on assets | 1.2548% | 2,537 |
| Return on Equity (ROE) | 11.0182% | 1,959 |
| Retained earnings to average equity (ytd only) | 4.0798% | 3,570 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3828% | 4,017 |
| Assets per employee ($millions) | 6.0635% | 1,460 |
| Cash dividends to net income (ytd only)* | 62.9723% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1413% | 430 |
| Loan loss allowance to noncurrent loans | 5,791.6667% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 4,171 |
| Noncurrent loans to loans | 0.0370% | 4,806 |
| Net loans and leases to total assets | 47.6214% | 4,713 |
| Net loans and leases to deposits | 54.2777% | 4,782 |
| Net loans and leases to core deposits | 58.6928% | 4,716 |
| Total domestic deposits to total assets | 87.7365% | 1,770 |
| Equity capital to assets | 10.6600% | 2,910 |
| Core capital (leverage) ratio | 11.5442% | 1,975 |
| Tier 1 risk-based capital ratio | 21.8383% | 1,077 |
| Total risk-based capital ratio | 23.0968% | 1,052 |
| Memoranda: | ||
| Average total assets | $131,974,000 | 3,716 |
| Average earning assets | $126,144,500 | 3,642 |
| Average equity | $14,412,500 | 3,786 |
| Average total loans | $65,880,000 | 4,059 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5408% | 4,711 |
| Cost of funding earning assets | 0.5018% | 2,322 |
| Net interest margin | 3.0389% | 4,804 |
| Noninterest income to average assets | 0.2737% | 4,488 |
| Noninterest expense to average assets | 1.9293% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1910% | 1,547 |
| Return on assets (ROA) | 1.1910% | 1,571 |
| Pretax return on assets | 1.2426% | 2,586 |
| Return on Equity (ROE) | 10.5216% | 1,669 |
| Retained earnings to average equity (ytd only) | 3.6131% | 3,096 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8235% | 4,136 |
| Assets per employee ($millions) | 5.9342% | 1,561 |
| Cash dividends to net income (ytd only)* | 65.6599% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 461 |
| Loan loss allowance to noncurrent loans | 4,483.8710% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 3,744 |
| Noncurrent loans to loans | 0.0464% | 4,789 |
| Net loans and leases to total assets | 50.1371% | 4,638 |
| Net loans and leases to deposits | 59.3266% | 4,609 |
| Net loans and leases to core deposits | 64.4432% | 4,507 |
| Total domestic deposits to total assets | 84.5104% | 3,033 |
| Equity capital to assets | 11.1871% | 2,441 |
| Core capital (leverage) ratio | 11.4543% | 1,971 |
| Tier 1 risk-based capital ratio | 21.2928% | 1,099 |
| Total risk-based capital ratio | 22.5517% | 1,074 |
| Memoranda: | ||
| Average total assets | $127,873,400 | 3,779 |
| Average earning assets | $121,951,400 | 3,711 |
| Average equity | $14,475,000 | 3,781 |
| Average total loans | $66,209,600 | 4,049 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 4,779 |
| Cost of funding earning assets | 0.4902% | 2,352 |
| Net interest margin | 3.0236% | 4,865 |
| Noninterest income to average assets | 0.3333% | 4,154 |
| Noninterest expense to average assets | 1.9056% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2567% | 1,485 |
| Return on assets (ROA) | 1.2567% | 1,512 |
| Pretax return on assets | 1.3113% | 2,432 |
| Return on Equity (ROE) | 11.0689% | 1,673 |
| Retained earnings to average equity (ytd only) | 4.1451% | 3,441 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2375% | 4,322 |
| Assets per employee ($millions) | 6.1516% | 1,403 |
| Cash dividends to net income (ytd only)* | 62.5523% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1333% | 455 |
| Loan loss allowance to noncurrent loans | 5,148.1481% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 4,168 |
| Noncurrent loans to loans | 0.0414% | 4,927 |
| Net loans and leases to total assets | 49.3618% | 4,745 |
| Net loans and leases to deposits | 58.1185% | 4,748 |
| Net loans and leases to core deposits | 63.1538% | 4,645 |
| Total domestic deposits to total assets | 84.9330% | 2,738 |
| Equity capital to assets | 11.4976% | 2,375 |
| Core capital (leverage) ratio | 11.6618% | 1,913 |
| Tier 1 risk-based capital ratio | 21.3630% | 1,132 |
| Total risk-based capital ratio | 22.6224% | 1,112 |
| Memoranda: | ||
| Average total assets | $127,203,750 | 3,824 |
| Average earning assets | $121,309,250 | 3,763 |
| Average equity | $14,442,500 | 3,826 |
| Average total loans | $66,050,750 | 4,080 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 4,789 |
| Cost of funding earning assets | 0.4691% | 2,414 |
| Net interest margin | 3.0201% | 4,864 |
| Noninterest income to average assets | 0.2845% | 4,520 |
| Noninterest expense to average assets | 1.8871% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2249% | 1,520 |
| Return on assets (ROA) | 1.2249% | 1,557 |
| Pretax return on assets | 1.2770% | 2,471 |
| Return on Equity (ROE) | 10.8349% | 1,703 |
| Retained earnings to average equity (ytd only) | 3.8446% | 3,404 |
| Net charge-offs to loans | -0.0030% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6404% | 4,372 |
| Assets per employee ($millions) | 6.1166% | 1,377 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 540 |
| Loan loss allowance to noncurrent loans | 4,796.5517% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 4,238 |
| Noncurrent loans to loans | 0.0430% | 4,978 |
| Net loans and leases to total assets | 51.4699% | 4,614 |
| Net loans and leases to deposits | 60.0674% | 4,619 |
| Net loans and leases to core deposits | 65.4406% | 4,513 |
| Total domestic deposits to total assets | 85.6868% | 2,527 |
| Equity capital to assets | 11.4638% | 2,345 |
| Core capital (leverage) ratio | 11.6775% | 1,847 |
| Tier 1 risk-based capital ratio | 20.4868% | 1,273 |
| Total risk-based capital ratio | 21.7446% | 1,243 |
| Memoranda: | ||
| Average total assets | $126,544,000 | 3,860 |
| Average earning assets | $120,657,000 | 3,794 |
| Average equity | $14,305,670 | 3,853 |
| Average total loans | $66,348,670 | 4,096 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4572% | 4,811 |
| Cost of funding earning assets | 0.4447% | 2,571 |
| Net interest margin | 3.0125% | 4,865 |
| Noninterest income to average assets | 0.4140% | 3,567 |
| Noninterest expense to average assets | 1.9046% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3217% | 1,188 |
| Return on assets (ROA) | 1.3217% | 1,222 |
| Pretax return on assets | 1.3791% | 1,953 |
| Return on Equity (ROE) | 11.7764% | 1,311 |
| Retained earnings to average equity (ytd only) | 4.6822% | 3,065 |
| Net charge-offs to loans | -0.0061% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0019% | 4,713 |
| Assets per employee ($millions) | 6.3075% | 1,294 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1300% | 524 |
| Loan loss allowance to noncurrent loans | 1,617.4419% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 3,858 |
| Noncurrent loans to loans | 0.1317% | 4,660 |
| Net loans and leases to total assets | 50.6659% | 4,615 |
| Net loans and leases to deposits | 58.2077% | 4,680 |
| Net loans and leases to core deposits | 62.9109% | 4,598 |
| Total domestic deposits to total assets | 87.0432% | 2,193 |
| Equity capital to assets | 11.3571% | 2,300 |
| Core capital (leverage) ratio | 11.7416% | 1,794 |
| Tier 1 risk-based capital ratio | 20.7124% | 1,263 |
| Total risk-based capital ratio | 21.9710% | 1,239 |
| Memoranda: | ||
| Average total assets | $125,592,000 | 3,909 |
| Average earning assets | $119,635,500 | 3,841 |
| Average equity | $14,096,000 | 3,905 |
| Average total loans | $65,771,500 | 4,135 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 4,661 |
| Cost of funding earning assets | 0.4531% | 2,510 |
| Net interest margin | 3.0882% | 4,761 |
| Noninterest income to average assets | 0.4806% | 3,344 |
| Noninterest expense to average assets | 1.9969% | 5,199 |
| Loan and lease loss provision to assets | 0.0682% | 3,009 |
| Net operating income to assets | 1.2997% | 1,210 |
| Return on assets (ROA) | 1.3020% | 1,280 |
| Pretax return on assets | 1.3556% | 2,080 |
| Return on Equity (ROE) | 11.2152% | 1,501 |
| Retained earnings to average equity (ytd only) | 5.6216% | 1,939 |
| Net charge-offs to loans | 0.0147% | 3,801 |
| Credit loss provision to net charge-offs | 840.0000% | 435 |
| Earnings coverage of net charge-offs (x) | 175.1000% | 372 |
| Efficiency ratio | 58.4184% | 4,802 |
| Assets per employee ($millions) | 5.4363% | 1,917 |
| Cash dividends to net income (ytd only)* | 49.8753% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0985% | 550 |
| Loan loss allowance to noncurrent loans | 1,635.2941% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 3,931 |
| Noncurrent loans to loans | 0.1283% | 4,721 |
| Net loans and leases to total assets | 51.8635% | 4,621 |
| Net loans and leases to deposits | 62.1187% | 4,534 |
| Net loans and leases to core deposits | 67.1823% | 4,454 |
| Total domestic deposits to total assets | 83.4909% | 3,601 |
| Equity capital to assets | 11.0890% | 2,554 |
| Core capital (leverage) ratio | 11.5205% | 1,915 |
| Tier 1 risk-based capital ratio | 20.3928% | 1,307 |
| Total risk-based capital ratio | 21.6503% | 1,282 |
| Memoranda: | ||
| Average total assets | $123,191,800 | 3,937 |
| Average earning assets | $117,186,200 | 3,883 |
| Average equity | $14,302,000 | 3,905 |
| Average total loans | $67,951,400 | 4,093 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 4,629 |
| Cost of funding earning assets | 0.4614% | 2,453 |
| Net interest margin | 3.1107% | 4,748 |
| Noninterest income to average assets | 0.5269% | 3,063 |
| Noninterest expense to average assets | 2.0000% | 5,203 |
| Loan and lease loss provision to assets | 0.0684% | 2,854 |
| Net operating income to assets | 1.3624% | 1,139 |
| Return on assets (ROA) | 1.3656% | 1,203 |
| Pretax return on assets | 1.4210% | 1,966 |
| Return on Equity (ROE) | 11.6295% | 1,437 |
| Retained earnings to average equity (ytd only) | 6.0784% | 2,140 |
| Net charge-offs to loans | 0.0156% | 3,418 |
| Credit loss provision to net charge-offs | 787.5000% | 514 |
| Earnings coverage of net charge-offs (x) | 170.9419% | 425 |
| Efficiency ratio | 57.3699% | 4,912 |
| Assets per employee ($millions) | 5.4212% | 1,935 |
| Cash dividends to net income (ytd only)* | 47.7326% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0438% | 674 |
| Loan loss allowance to noncurrent loans | 3,808.3333% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 4,134 |
| Noncurrent loans to loans | 0.0537% | 5,138 |
| Net loans and leases to total assets | 55.0945% | 4,392 |
| Net loans and leases to deposits | 64.0582% | 4,484 |
| Net loans and leases to core deposits | 69.5606% | 4,358 |
| Total domestic deposits to total assets | 86.0069% | 2,347 |
| Equity capital to assets | 12.4973% | 1,781 |
| Core capital (leverage) ratio | 11.5187% | 2,015 |
| Tier 1 risk-based capital ratio | 20.0952% | 1,430 |
| Total risk-based capital ratio | 21.3539% | 1,389 |
| Memoranda: | ||
| Average total assets | $122,731,250 | 3,971 |
| Average earning assets | $116,753,750 | 3,910 |
| Average equity | $14,411,250 | 3,921 |
| Average total loans | $68,380,000 | 4,112 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,785 |
| Cost of funding earning assets | 0.4563% | 2,504 |
| Net interest margin | 3.0740% | 4,905 |
| Noninterest income to average assets | 0.5505% | 2,897 |
| Noninterest expense to average assets | 1.9808% | 5,309 |
| Loan and lease loss provision to assets | 0.0678% | 2,785 |
| Net operating income to assets | 1.3724% | 1,108 |
| Return on assets (ROA) | 1.3771% | 1,170 |
| Pretax return on assets | 1.4320% | 1,898 |
| Return on Equity (ROE) | 11.9747% | 1,335 |
| Retained earnings to average equity (ytd only) | 6.3594% | 1,932 |
| Net charge-offs to loans | 0.0233% | 3,027 |
| Credit loss provision to net charge-offs | 525.0000% | 629 |
| Earnings coverage of net charge-offs (x) | 115.7500% | 509 |
| Efficiency ratio | 56.9902% | 5,028 |
| Assets per employee ($millions) | 5.6487% | 1,660 |
| Cash dividends to net income (ytd only)* | 46.8933% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 889 |
| Loan loss allowance to noncurrent loans | 2,934.7826% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 4,273 |
| Noncurrent loans to loans | 0.0649% | 5,192 |
| Net loans and leases to total assets | 55.9769% | 4,315 |
| Net loans and leases to deposits | 67.0726% | 4,260 |
| Net loans and leases to core deposits | 73.0152% | 4,077 |
| Total domestic deposits to total assets | 83.4571% | 3,481 |
| Equity capital to assets | 11.9070% | 2,189 |
| Core capital (leverage) ratio | 11.3670% | 2,087 |
| Tier 1 risk-based capital ratio | 18.6569% | 1,766 |
| Total risk-based capital ratio | 19.9133% | 1,729 |
| Memoranda: | ||
| Average total assets | $123,886,330 | 3,979 |
| Average earning assets | $117,892,000 | 3,916 |
| Average equity | $14,246,670 | 3,965 |
| Average total loans | $68,813,330 | 4,122 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5148% | 4,851 |
| Cost of funding earning assets | 0.4627% | 2,439 |
| Net interest margin | 3.0521% | 4,993 |
| Noninterest income to average assets | 0.6856% | 2,111 |
| Noninterest expense to average assets | 1.9370% | 5,469 |
| Loan and lease loss provision to assets | 0.0679% | 2,599 |
| Net operating income to assets | 1.5266% | 816 |
| Return on assets (ROA) | 1.5360% | 838 |
| Pretax return on assets | 1.5910% | 1,320 |
| Return on Equity (ROE) | 13.5991% | 908 |
| Retained earnings to average equity (ytd only) | 7.8732% | 1,516 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0126% | 5,384 |
| Assets per employee ($millions) | 5.5229% | 1,812 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 818 |
| Loan loss allowance to noncurrent loans | 2,430.9091% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 4,281 |
| Noncurrent loans to loans | 0.0822% | 5,150 |
| Net loans and leases to total assets | 53.9348% | 4,462 |
| Net loans and leases to deposits | 62.4487% | 4,549 |
| Net loans and leases to core deposits | 67.8887% | 4,412 |
| Total domestic deposits to total assets | 86.3667% | 2,514 |
| Equity capital to assets | 11.7922% | 2,163 |
| Core capital (leverage) ratio | 11.4875% | 1,980 |
| Tier 1 risk-based capital ratio | 19.1479% | 1,695 |
| Total risk-based capital ratio | 20.4046% | 1,659 |
| Memoranda: | ||
| Average total assets | $123,694,000 | 4,013 |
| Average earning assets | $117,558,500 | 3,950 |
| Average equity | $13,971,500 | 4,006 |
| Average total loans | $67,763,500 | 4,167 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 4,909 |
| Cost of funding earning assets | 0.4903% | 2,252 |
| Net interest margin | 3.0136% | 5,106 |
| Noninterest income to average assets | 0.4369% | 3,768 |
| Noninterest expense to average assets | 1.9562% | 5,532 |
| Loan and lease loss provision to assets | 0.0725% | 2,819 |
| Net operating income to assets | 1.2292% | 1,453 |
| Return on assets (ROA) | 1.2292% | 1,516 |
| Pretax return on assets | 1.2767% | 2,374 |
| Return on Equity (ROE) | 11.4193% | 1,463 |
| Retained earnings to average equity (ytd only) | 5.4288% | 2,117 |
| Net charge-offs to loans | 0.0785% | 2,693 |
| Credit loss provision to net charge-offs | 173.0769% | 1,560 |
| Earnings coverage of net charge-offs (x) | 32.1923% | 1,383 |
| Efficiency ratio | 59.1807% | 5,010 |
| Assets per employee ($millions) | 5.4732% | 1,837 |
| Cash dividends to net income (ytd only)* | 52.4590% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 926 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 4,353 |
| Noncurrent loans to loans | 0.0816% | 5,174 |
| Net loans and leases to total assets | 53.4945% | 4,543 |
| Net loans and leases to deposits | 66.4538% | 4,275 |
| Net loans and leases to core deposits | 72.3933% | 4,096 |
| Total domestic deposits to total assets | 80.4987% | 4,611 |
| Equity capital to assets | 10.8155% | 3,010 |
| Core capital (leverage) ratio | 11.0870% | 2,319 |
| Tier 1 risk-based capital ratio | 18.3184% | 1,877 |
| Total risk-based capital ratio | 19.5740% | 1,830 |
| Memoranda: | ||
| Average total assets | $124,068,800 | 4,006 |
| Average earning assets | $118,096,400 | 3,922 |
| Average equity | $13,354,600 | 4,070 |
| Average total loans | $66,246,400 | 4,189 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 4,976 |
| Cost of funding earning assets | 0.5016% | 2,193 |
| Net interest margin | 3.0028% | 5,183 |
| Noninterest income to average assets | 0.4455% | 3,753 |
| Noninterest expense to average assets | 1.9749% | 5,528 |
| Loan and lease loss provision to assets | 0.0809% | 2,554 |
| Net operating income to assets | 1.2059% | 1,634 |
| Return on assets (ROA) | 1.2059% | 1,702 |
| Pretax return on assets | 1.2501% | 2,601 |
| Return on Equity (ROE) | 11.2166% | 1,618 |
| Retained earnings to average equity (ytd only) | 5.1970% | 2,779 |
| Net charge-offs to loans | 0.0711% | 2,547 |
| Credit loss provision to net charge-offs | 214.2857% | 1,262 |
| Earnings coverage of net charge-offs (x) | 35.2537% | 1,355 |
| Efficiency ratio | 59.7390% | 4,920 |
| Assets per employee ($millions) | 5.3152% | 1,942 |
| Cash dividends to net income (ytd only)* | 53.6672% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0438% | 854 |
| Loan loss allowance to noncurrent loans | 3,214.6341% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 4,533 |
| Noncurrent loans to loans | 0.0636% | 5,364 |
| Net loans and leases to total assets | 51.6720% | 4,783 |
| Net loans and leases to deposits | 62.1675% | 4,709 |
| Net loans and leases to core deposits | 68.2871% | 4,519 |
| Total domestic deposits to total assets | 83.1174% | 3,771 |
| Equity capital to assets | 11.1845% | 2,810 |
| Core capital (leverage) ratio | 10.9638% | 2,524 |
| Tier 1 risk-based capital ratio | 19.0152% | 1,774 |
| Total risk-based capital ratio | 20.2725% | 1,739 |
| Memoranda: | ||
| Average total assets | $123,615,000 | 4,054 |
| Average earning assets | $117,754,250 | 3,966 |
| Average equity | $13,289,500 | 4,121 |
| Average total loans | $65,643,750 | 4,255 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 5,046 |
| Cost of funding earning assets | 0.5142% | 2,119 |
| Net interest margin | 2.9636% | 5,309 |
| Noninterest income to average assets | 0.4369% | 3,803 |
| Noninterest expense to average assets | 1.9795% | 5,559 |
| Loan and lease loss provision to assets | 0.0967% | 2,208 |
| Net operating income to assets | 1.1494% | 1,786 |
| Return on assets (ROA) | 1.1494% | 1,850 |
| Pretax return on assets | 1.1848% | 2,837 |
| Return on Equity (ROE) | 10.8345% | 1,735 |
| Retained earnings to average equity (ytd only) | 4.7562% | 3,019 |
| Net charge-offs to loans | 0.0061% | 3,689 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 397.5000% | 166 |
| Efficiency ratio | 60.7019% | 4,879 |
| Assets per employee ($millions) | 5.4911% | 1,750 |
| Cash dividends to net income (ytd only)* | 56.1010% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 1,094 |
| Loan loss allowance to noncurrent loans | 1,421.2766% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 4,516 |
| Noncurrent loans to loans | 0.1363% | 5,202 |
| Net loans and leases to total assets | 53.5492% | 4,608 |
| Net loans and leases to deposits | 64.8922% | 4,451 |
| Net loans and leases to core deposits | 71.3427% | 4,192 |
| Total domestic deposits to total assets | 82.5203% | 4,120 |
| Equity capital to assets | 10.2791% | 3,712 |
| Core capital (leverage) ratio | 10.6140% | 2,835 |
| Tier 1 risk-based capital ratio | 17.8513% | 2,112 |
| Total risk-based capital ratio | 19.1074% | 2,067 |
| Memoranda: | ||
| Average total assets | $124,070,000 | 4,073 |
| Average earning assets | $118,235,670 | 3,982 |
| Average equity | $13,161,670 | 4,174 |
| Average total loans | $66,029,330 | 4,273 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,075 |
| Cost of funding earning assets | 0.5500% | 1,845 |
| Net interest margin | 2.9037% | 5,446 |
| Noninterest income to average assets | 0.4424% | 3,682 |
| Noninterest expense to average assets | 2.0300% | 5,521 |
| Loan and lease loss provision to assets | 0.0976% | 2,072 |
| Net operating income to assets | 1.0638% | 1,987 |
| Return on assets (ROA) | 1.0638% | 2,114 |
| Pretax return on assets | 1.0800% | 3,163 |
| Return on Equity (ROE) | 9.8706% | 2,065 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,704 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2860% | 4,590 |
| Assets per employee ($millions) | 5.3208% | 1,971 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 1,005 |
| Loan loss allowance to noncurrent loans | 2,564.7059% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 4,724 |
| Noncurrent loans to loans | 0.0796% | 5,460 |
| Net loans and leases to total assets | 51.2841% | 4,721 |
| Net loans and leases to deposits | 59.1087% | 4,818 |
| Net loans and leases to core deposits | 65.6984% | 4,548 |
| Total domestic deposits to total assets | 86.7624% | 2,518 |
| Equity capital to assets | 10.9700% | 3,003 |
| Core capital (leverage) ratio | 10.7044% | 2,746 |
| Tier 1 risk-based capital ratio | 19.1348% | 1,834 |
| Total risk-based capital ratio | 20.3924% | 1,785 |
| Memoranda: | ||
| Average total assets | $122,957,500 | 4,128 |
| Average earning assets | $117,092,500 | 4,038 |
| Average equity | $13,251,500 | 4,190 |
| Average total loans | $64,561,000 | 4,348 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 5,072 |
| Cost of funding earning assets | 0.5867% | 1,889 |
| Net interest margin | 3.0172% | 5,412 |
| Noninterest income to average assets | 0.3946% | 4,228 |
| Noninterest expense to average assets | 1.9713% | 5,819 |
| Loan and lease loss provision to assets | 0.1164% | 2,230 |
| Net operating income to assets | 1.1473% | 1,787 |
| Return on assets (ROA) | 1.1967% | 1,660 |
| Pretax return on assets | 1.2703% | 2,347 |
| Return on Equity (ROE) | 12.0649% | 1,390 |
| Retained earnings to average equity (ytd only) | 5.5433% | 2,231 |
| Net charge-offs to loans | 0.1488% | 2,545 |
| Credit loss provision to net charge-offs | 148.4536% | 1,625 |
| Earnings coverage of net charge-offs (x) | 17.0103% | 1,965 |
| Efficiency ratio | 59.6380% | 5,272 |
| Assets per employee ($millions) | 5.1473% | 2,126 |
| Cash dividends to net income (ytd only)* | 54.0541% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9646% | 1,174 |
| Loan loss allowance to noncurrent loans | 18,257.1429% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 4,925 |
| Noncurrent loans to loans | 0.0108% | 5,872 |
| Net loans and leases to total assets | 51.6246% | 4,820 |
| Net loans and leases to deposits | 62.9845% | 4,637 |
| Net loans and leases to core deposits | 71.0720% | 4,212 |
| Total domestic deposits to total assets | 81.9640% | 4,435 |
| Equity capital to assets | 10.5864% | 3,380 |
| Core capital (leverage) ratio | 10.5463% | 2,901 |
| Tier 1 risk-based capital ratio | 18.4354% | 2,006 |
| Total risk-based capital ratio | 19.6930% | 1,978 |
| Memoranda: | ||
| Average total assets | $123,672,600 | 4,108 |
| Average earning assets | $119,316,600 | 3,986 |
| Average equity | $12,267,000 | 4,312 |
| Average total loans | $65,206,800 | 4,324 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 5,089 |
| Cost of funding earning assets | 0.5900% | 1,925 |
| Net interest margin | 3.0324% | 5,431 |
| Noninterest income to average assets | 0.3945% | 4,288 |
| Noninterest expense to average assets | 1.9605% | 5,840 |
| Loan and lease loss provision to assets | 0.1067% | 2,260 |
| Net operating income to assets | 1.1844% | 1,738 |
| Return on assets (ROA) | 1.2502% | 1,579 |
| Pretax return on assets | 1.3332% | 2,263 |
| Return on Equity (ROE) | 12.8199% | 1,261 |
| Retained earnings to average equity (ytd only) | 6.1889% | 2,281 |
| Net charge-offs to loans | 0.1757% | 2,046 |
| Credit loss provision to net charge-offs | 115.1163% | 1,971 |
| Earnings coverage of net charge-offs (x) | 14.7795% | 2,112 |
| Efficiency ratio | 58.8673% | 5,326 |
| Assets per employee ($millions) | 4.8227% | 2,488 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 1,391 |
| Loan loss allowance to noncurrent loans | 4,607.4074% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 5,057 |
| Noncurrent loans to loans | 0.0419% | 5,846 |
| Net loans and leases to total assets | 52.3966% | 4,762 |
| Net loans and leases to deposits | 60.5500% | 4,894 |
| Net loans and leases to core deposits | 68.0560% | 4,507 |
| Total domestic deposits to total assets | 86.5345% | 2,570 |
| Equity capital to assets | 10.3751% | 3,705 |
| Core capital (leverage) ratio | 10.3392% | 3,236 |
| Tier 1 risk-based capital ratio | 18.6879% | 1,991 |
| Total risk-based capital ratio | 19.9441% | 1,955 |
| Memoranda: | ||
| Average total assets | $123,706,750 | 4,142 |
| Average earning assets | $119,769,000 | 3,996 |
| Average equity | $12,064,250 | 4,375 |
| Average total loans | $65,245,250 | 4,362 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5847% | 5,191 |
| Cost of funding earning assets | 0.5859% | 2,018 |
| Net interest margin | 2.9989% | 5,532 |
| Noninterest income to average assets | 0.3816% | 4,391 |
| Noninterest expense to average assets | 1.9527% | 5,911 |
| Loan and lease loss provision to assets | 0.0866% | 2,583 |
| Net operating income to assets | 1.1559% | 1,735 |
| Return on assets (ROA) | 1.1559% | 1,811 |
| Pretax return on assets | 1.2473% | 2,467 |
| Return on Equity (ROE) | 12.1014% | 1,391 |
| Retained earnings to average equity (ytd only) | 5.3877% | 2,708 |
| Net charge-offs to loans | 0.2381% | 1,620 |
| Credit loss provision to net charge-offs | 69.2308% | 2,485 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 2,226 |
| Efficiency ratio | 59.4146% | 5,370 |
| Assets per employee ($millions) | 5.3203% | 1,855 |
| Cash dividends to net income (ytd only)* | 55.4785% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 1,970 |
| Loan loss allowance to noncurrent loans | 346.8391% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 5,272 |
| Noncurrent loans to loans | 0.5052% | 4,480 |
| Net loans and leases to total assets | 52.9964% | 4,643 |
| Net loans and leases to deposits | 64.1355% | 4,481 |
| Net loans and leases to core deposits | 71.9542% | 4,056 |
| Total domestic deposits to total assets | 82.6319% | 4,436 |
| Equity capital to assets | 9.7112% | 4,475 |
| Core capital (leverage) ratio | 9.9949% | 3,616 |
| Tier 1 risk-based capital ratio | 17.1322% | 2,564 |
| Total risk-based capital ratio | 18.3624% | 2,532 |
| Memoranda: | ||
| Average total assets | $124,753,330 | 4,138 |
| Average earning assets | $120,846,000 | 3,989 |
| Average equity | $11,916,000 | 4,411 |
| Average total loans | $65,521,330 | 4,370 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 5,276 |
| Cost of funding earning assets | 0.5994% | 1,975 |
| Net interest margin | 2.9602% | 5,624 |
| Noninterest income to average assets | 0.3893% | 4,277 |
| Noninterest expense to average assets | 2.0148% | 5,859 |
| Loan and lease loss provision to assets | 0.0746% | 2,643 |
| Net operating income to assets | 1.0415% | 2,036 |
| Return on assets (ROA) | 1.0415% | 2,112 |
| Pretax return on assets | 1.1680% | 2,629 |
| Return on Equity (ROE) | 10.9988% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.1460% | 3,643 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8526% | 5,148 |
| Assets per employee ($millions) | 5.1917% | 2,021 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9295% | 1,674 |
| Loan loss allowance to noncurrent loans | 278.0488% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 5,076 |
| Noncurrent loans to loans | 0.6939% | 4,136 |
| Net loans and leases to total assets | 51.1537% | 4,774 |
| Net loans and leases to deposits | 58.4307% | 4,896 |
| Net loans and leases to core deposits | 65.6842% | 4,522 |
| Total domestic deposits to total assets | 87.5458% | 2,482 |
| Equity capital to assets | 9.5890% | 4,370 |
| Core capital (leverage) ratio | 10.0116% | 3,562 |
| Tier 1 risk-based capital ratio | 18.2173% | 2,197 |
| Total risk-based capital ratio | 19.4748% | 2,161 |
| Memoranda: | ||
| Average total assets | $123,286,000 | 4,204 |
| Average earning assets | $119,452,000 | 4,054 |
| Average equity | $11,674,000 | 4,475 |
| Average total loans | $63,843,500 | 4,465 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 5,462 |
| Cost of funding earning assets | 0.6615% | 2,110 |
| Net interest margin | 2.9163% | 5,757 |
| Noninterest income to average assets | 0.5395% | 3,483 |
| Noninterest expense to average assets | 2.0085% | 6,013 |
| Loan and lease loss provision to assets | 0.1689% | 2,169 |
| Net operating income to assets | 1.1297% | 1,833 |
| Return on assets (ROA) | 1.1297% | 1,900 |
| Pretax return on assets | 1.1803% | 2,654 |
| Return on Equity (ROE) | 11.7729% | 1,496 |
| Retained earnings to average equity (ytd only) | 6.7453% | 1,559 |
| Net charge-offs to loans | 0.2172% | 2,722 |
| Credit loss provision to net charge-offs | 159.0909% | 1,439 |
| Earnings coverage of net charge-offs (x) | 12.7121% | 2,100 |
| Efficiency ratio | 57.9023% | 5,751 |
| Assets per employee ($millions) | 5.0821% | 2,089 |
| Cash dividends to net income (ytd only)* | 42.7046% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 1,639 |
| Loan loss allowance to noncurrent loans | 277.8781% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 5,167 |
| Noncurrent loans to loans | 0.7066% | 4,205 |
| Net loans and leases to total assets | 50.3923% | 5,040 |
| Net loans and leases to deposits | 60.3168% | 4,915 |
| Net loans and leases to core deposits | 68.3389% | 4,470 |
| Total domestic deposits to total assets | 83.5461% | 4,341 |
| Equity capital to assets | 9.3465% | 4,626 |
| Core capital (leverage) ratio | 9.9567% | 3,634 |
| Tier 1 risk-based capital ratio | 18.6922% | 2,014 |
| Total risk-based capital ratio | 19.9497% | 1,974 |
| Memoranda: | ||
| Average total assets | $124,370,200 | 4,171 |
| Average earning assets | $120,184,600 | 4,043 |
| Average equity | $11,934,200 | 4,454 |
| Average total loans | $60,764,400 | 4,591 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 5,567 |
| Cost of funding earning assets | 0.6672% | 2,205 |
| Net interest margin | 2.8885% | 5,843 |
| Noninterest income to average assets | 0.5334% | 3,568 |
| Noninterest expense to average assets | 1.9460% | 6,104 |
| Loan and lease loss provision to assets | 0.1920% | 1,901 |
| Net operating income to assets | 1.1341% | 1,870 |
| Return on assets (ROA) | 1.1341% | 1,942 |
| Pretax return on assets | 1.1853% | 2,762 |
| Return on Equity (ROE) | 11.7445% | 1,558 |
| Retained earnings to average equity (ytd only) | 6.7727% | 1,985 |
| Net charge-offs to loans | 0.1460% | 3,087 |
| Credit loss provision to net charge-offs | 272.7273% | 929 |
| Earnings coverage of net charge-offs (x) | 19.5601% | 1,625 |
| Efficiency ratio | 55.9872% | 5,905 |
| Assets per employee ($millions) | 5.2393% | 1,904 |
| Cash dividends to net income (ytd only)* | 42.3333% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 1,684 |
| Loan loss allowance to noncurrent loans | 280.3097% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 5,332 |
| Noncurrent loans to loans | 0.7193% | 4,413 |
| Net loans and leases to total assets | 48.9653% | 5,250 |
| Net loans and leases to deposits | 58.4883% | 5,140 |
| Net loans and leases to core deposits | 66.1765% | 4,698 |
| Total domestic deposits to total assets | 83.7182% | 4,308 |
| Equity capital to assets | 9.2332% | 4,893 |
| Core capital (leverage) ratio | 9.7367% | 4,049 |
| Tier 1 risk-based capital ratio | 18.1102% | 2,280 |
| Total risk-based capital ratio | 19.3687% | 2,247 |
| Memoranda: | ||
| Average total assets | $124,970,000 | 4,206 |
| Average earning assets | $120,706,000 | 4,088 |
| Average equity | $12,067,750 | 4,483 |
| Average total loans | $60,281,750 | 4,649 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 5,651 |
| Cost of funding earning assets | 0.6730% | 2,282 |
| Net interest margin | 2.8494% | 5,901 |
| Noninterest income to average assets | 0.5869% | 3,276 |
| Noninterest expense to average assets | 1.9934% | 6,058 |
| Loan and lease loss provision to assets | 0.2406% | 1,548 |
| Net operating income to assets | 1.0616% | 2,072 |
| Return on assets (ROA) | 1.0616% | 2,187 |
| Pretax return on assets | 1.1098% | 3,059 |
| Return on Equity (ROE) | 10.8344% | 1,868 |
| Retained earnings to average equity (ytd only) | 5.9246% | 2,482 |
| Net charge-offs to loans | 0.2187% | 2,435 |
| Credit loss provision to net charge-offs | 230.7692% | 1,072 |
| Earnings coverage of net charge-offs (x) | 12.9538% | 1,937 |
| Efficiency ratio | 55.7794% | 5,990 |
| Assets per employee ($millions) | 4.7998% | 2,374 |
| Cash dividends to net income (ytd only)* | 45.3172% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9949% | 1,856 |
| Loan loss allowance to noncurrent loans | 269.1304% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 5,313 |
| Noncurrent loans to loans | 0.7412% | 4,442 |
| Net loans and leases to total assets | 48.7367% | 5,254 |
| Net loans and leases to deposits | 57.2174% | 5,222 |
| Net loans and leases to core deposits | 63.7350% | 4,923 |
| Total domestic deposits to total assets | 85.1781% | 3,811 |
| Equity capital to assets | 9.0484% | 5,169 |
| Core capital (leverage) ratio | 9.4251% | 4,352 |
| Tier 1 risk-based capital ratio | 17.5231% | 2,506 |
| Total risk-based capital ratio | 18.7796% | 2,471 |
| Memoranda: | ||
| Average total assets | $124,712,670 | 4,242 |
| Average earning assets | $120,658,330 | 4,111 |
| Average equity | $12,220,330 | 4,483 |
| Average total loans | $59,430,000 | 4,693 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 5,779 |
| Cost of funding earning assets | 0.6870% | 2,327 |
| Net interest margin | 2.7846% | 6,059 |
| Noninterest income to average assets | 0.7861% | 2,185 |
| Noninterest expense to average assets | 1.9956% | 6,113 |
| Loan and lease loss provision to assets | 0.2406% | 1,508 |
| Net operating income to assets | 1.1903% | 1,552 |
| Return on assets (ROA) | 1.1903% | 1,664 |
| Pretax return on assets | 1.2417% | 2,429 |
| Return on Equity (ROE) | 11.6993% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.9691% | 2,166 |
| Net charge-offs to loans | 0.4474% | 1,340 |
| Credit loss provision to net charge-offs | 115.3846% | 1,636 |
| Earnings coverage of net charge-offs (x) | 7.1077% | 2,115 |
| Efficiency ratio | 53.6900% | 6,251 |
| Assets per employee ($millions) | 5.2723% | 1,900 |
| Cash dividends to net income (ytd only)* | 40.4313% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,022 |
| Loan loss allowance to noncurrent loans | 266.7431% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 5,490 |
| Noncurrent loans to loans | 0.7529% | 4,626 |
| Net loans and leases to total assets | 44.8457% | 5,571 |
| Net loans and leases to deposits | 51.3622% | 5,677 |
| Net loans and leases to core deposits | 57.5659% | 5,377 |
| Total domestic deposits to total assets | 87.3125% | 2,749 |
| Equity capital to assets | 9.9333% | 4,235 |
| Core capital (leverage) ratio | 9.3184% | 4,367 |
| Tier 1 risk-based capital ratio | 18.1674% | 2,296 |
| Total risk-based capital ratio | 19.4237% | 2,264 |
| Memoranda: | ||
| Average total assets | $124,671,500 | 4,289 |
| Average earning assets | $120,520,000 | 4,143 |
| Average equity | $12,684,500 | 4,433 |
| Average total loans | $58,115,500 | 4,772 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 4,730 |
| Cost of funding earning assets | 0.8163% | 2,532 |
| Net interest margin | 3.3446% | 5,089 |
| Noninterest income to average assets | 0.4042% | 4,573 |
| Noninterest expense to average assets | 2.2199% | 5,882 |
| Loan and lease loss provision to assets | 0.1413% | 3,837 |
| Net operating income to assets | 1.2042% | 1,590 |
| Return on assets (ROA) | 1.2042% | 1,755 |
| Pretax return on assets | 1.2588% | 2,575 |
| Return on Equity (ROE) | 10.3864% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.5101% | 2,379 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1577% | 5,940 |
| Assets per employee ($millions) | 5.1170% | 2,075 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9769% | 2,082 |
| Loan loss allowance to noncurrent loans | 252.2976% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 5,498 |
| Noncurrent loans to loans | 0.7836% | 4,614 |
| Net loans and leases to total assets | 46.5520% | 5,564 |
| Net loans and leases to deposits | 55.3260% | 5,510 |
| Net loans and leases to core deposits | 62.5034% | 5,106 |
| Total domestic deposits to total assets | 84.1412% | 4,254 |
| Equity capital to assets | 10.4227% | 3,622 |
| Core capital (leverage) ratio | 9.4333% | 4,207 |
| Tier 1 risk-based capital ratio | 17.8721% | 2,306 |
| Total risk-based capital ratio | 19.1283% | 2,274 |
| Memoranda: | ||
| Average total assets | $106,129,000 | 4,675 |
| Average earning assets | $102,045,600 | 4,547 |
| Average equity | $12,304,600 | 4,502 |
| Average total loans | $54,236,400 | 4,927 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 4,712 |
| Cost of funding earning assets | 0.8233% | 2,748 |
| Net interest margin | 3.4062% | 5,018 |
| Noninterest income to average assets | 0.4198% | 4,484 |
| Noninterest expense to average assets | 2.2152% | 5,919 |
| Loan and lease loss provision to assets | 0.0981% | 4,345 |
| Net operating income to assets | 1.3195% | 1,395 |
| Return on assets (ROA) | 1.3195% | 1,530 |
| Pretax return on assets | 1.3796% | 2,306 |
| Return on Equity (ROE) | 11.0445% | 1,937 |
| Retained earnings to average equity (ytd only) | 6.1188% | 2,621 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7365% | 6,084 |
| Assets per employee ($millions) | 4.8482% | 2,379 |
| Cash dividends to net income (ytd only)* | 44.5990% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,837 |
| Loan loss allowance to noncurrent loans | 728.3784% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 6,357 |
| Noncurrent loans to loans | 0.2452% | 5,997 |
| Net loans and leases to total assets | 48.9118% | 5,443 |
| Net loans and leases to deposits | 57.0946% | 5,521 |
| Net loans and leases to core deposits | 63.9956% | 5,143 |
| Total domestic deposits to total assets | 85.6680% | 3,431 |
| Equity capital to assets | 10.6267% | 3,699 |
| Core capital (leverage) ratio | 9.4031% | 4,430 |
| Tier 1 risk-based capital ratio | 17.4035% | 2,577 |
| Total risk-based capital ratio | 18.6578% | 2,542 |
| Memoranda: | ||
| Average total assets | $101,959,000 | 4,829 |
| Average earning assets | $97,977,000 | 4,690 |
| Average equity | $12,180,750 | 4,569 |
| Average total loans | $53,214,750 | 5,023 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 4,726 |
| Cost of funding earning assets | 0.8176% | 3,057 |
| Net interest margin | 3.4403% | 4,926 |
| Noninterest income to average assets | 0.4187% | 4,518 |
| Noninterest expense to average assets | 2.1142% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5386% | 937 |
| Return on assets (ROA) | 1.5386% | 1,050 |
| Pretax return on assets | 1.6076% | 1,529 |
| Return on Equity (ROE) | 12.3037% | 1,574 |
| Retained earnings to average equity (ytd only) | 7.2818% | 1,964 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3060% | 6,474 |
| Assets per employee ($millions) | 5.1124% | 2,015 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 2,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.4260% | 5,044 |
| Net loans and leases to deposits | 62.6495% | 4,924 |
| Net loans and leases to core deposits | 71.0971% | 4,404 |
| Total domestic deposits to total assets | 83.6815% | 4,451 |
| Equity capital to assets | 12.8769% | 1,578 |
| Core capital (leverage) ratio | 11.5174% | 1,893 |
| Tier 1 risk-based capital ratio | 19.8789% | 1,729 |
| Total risk-based capital ratio | 21.1363% | 1,700 |
| Memoranda: | ||
| Average total assets | $95,544,000 | 5,019 |
| Average earning assets | $91,737,000 | 4,881 |
| Average equity | $11,947,670 | 4,615 |
| Average total loans | $50,832,670 | 5,160 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 4,929 |
| Cost of funding earning assets | 0.8288% | 3,244 |
| Net interest margin | 3.4203% | 5,030 |
| Noninterest income to average assets | 0.4137% | 4,567 |
| Noninterest expense to average assets | 2.1277% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5114% | 1,000 |
| Return on assets (ROA) | 1.5114% | 1,121 |
| Pretax return on assets | 1.5789% | 1,638 |
| Return on Equity (ROE) | 12.2734% | 1,591 |
| Retained earnings to average equity (ytd only) | 7.1309% | 2,364 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8474% | 6,457 |
| Assets per employee ($millions) | 5.3611% | 1,825 |
| Cash dividends to net income (ytd only)* | 41.8994% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 2,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 52.3011% | 4,980 |
| Net loans and leases to deposits | 63.6235% | 4,686 |
| Net loans and leases to core deposits | 71.9510% | 4,159 |
| Total domestic deposits to total assets | 82.2040% | 5,227 |
| Equity capital to assets | 12.1918% | 1,920 |
| Core capital (leverage) ratio | 11.0617% | 2,213 |
| Tier 1 risk-based capital ratio | 18.8199% | 2,043 |
| Total risk-based capital ratio | 20.0766% | 2,009 |
| Memoranda: | ||
| Average total assets | $94,748,500 | 5,078 |
| Average earning assets | $91,219,500 | 4,928 |
| Average equity | $11,667,500 | 4,683 |
| Average total loans | $50,285,500 | 5,216 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 4,953 |
| Cost of funding earning assets | 0.9785% | 3,518 |
| Net interest margin | 3.5519% | 4,924 |
| Noninterest income to average assets | 0.4310% | 4,369 |
| Noninterest expense to average assets | 2.1234% | 6,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6437% | 615 |
| Return on assets (ROA) | 1.7912% | 505 |
| Pretax return on assets | 1.8791% | 692 |
| Return on Equity (ROE) | 15.1088% | 729 |
| Retained earnings to average equity (ytd only) | 7.7833% | 1,160 |
| Net charge-offs to loans | -0.0020% | 6,798 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6772% | 6,797 |
| Assets per employee ($millions) | 5.1666% | 1,985 |
| Cash dividends to net income (ytd only)* | 48.4848% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0429% | 2,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.7162% | 5,357 |
| Net loans and leases to deposits | 62.6710% | 5,154 |
| Net loans and leases to core deposits | 72.0125% | 4,534 |
| Total domestic deposits to total assets | 82.5201% | 4,957 |
| Equity capital to assets | 12.4411% | 1,830 |
| Core capital (leverage) ratio | 10.9650% | 2,298 |
| Tier 1 risk-based capital ratio | 19.4676% | 1,777 |
| Total risk-based capital ratio | 20.7264% | 1,737 |
| Memoranda: | ||
| Average total assets | $92,117,000 | 5,128 |
| Average earning assets | $88,601,000 | 4,979 |
| Average equity | $10,920,800 | 4,801 |
| Average total loans | $49,825,200 | 5,273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 4,758 |
| Cost of funding earning assets | 1.0016% | 3,668 |
| Net interest margin | 3.6264% | 4,671 |
| Noninterest income to average assets | 0.4425% | 4,349 |
| Noninterest expense to average assets | 2.0922% | 6,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7534% | 562 |
| Return on assets (ROA) | 1.8789% | 483 |
| Pretax return on assets | 1.9703% | 664 |
| Return on Equity (ROE) | 16.0489% | 681 |
| Retained earnings to average equity (ytd only) | 8.6131% | 1,276 |
| Net charge-offs to loans | -0.0027% | 6,677 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8003% | 6,902 |
| Assets per employee ($millions) | 5.1652% | 1,974 |
| Cash dividends to net income (ytd only)* | 46.3321% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 2,248 |
| Loan loss allowance to noncurrent loans | 25,075.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 7,075 |
| Noncurrent loans to loans | 0.0081% | 6,943 |
| Net loans and leases to total assets | 52.0173% | 5,444 |
| Net loans and leases to deposits | 64.0209% | 5,167 |
| Net loans and leases to core deposits | 73.7934% | 4,479 |
| Total domestic deposits to total assets | 81.2505% | 5,355 |
| Equity capital to assets | 12.3875% | 1,978 |
| Core capital (leverage) ratio | 10.7451% | 2,621 |
| Tier 1 risk-based capital ratio | 18.7135% | 2,023 |
| Total risk-based capital ratio | 19.9717% | 1,981 |
| Memoranda: | ||
| Average total assets | $91,896,750 | 5,172 |
| Average earning assets | $88,385,750 | 5,011 |
| Average equity | $10,758,500 | 4,855 |
| Average total loans | $50,007,000 | 5,306 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 4,868 |
| Cost of funding earning assets | 1.0155% | 3,843 |
| Net interest margin | 3.6100% | 4,685 |
| Noninterest income to average assets | 0.4282% | 4,446 |
| Noninterest expense to average assets | 2.0975% | 6,597 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7193% | 577 |
| Return on assets (ROA) | 1.8397% | 487 |
| Pretax return on assets | 1.9293% | 665 |
| Return on Equity (ROE) | 16.0294% | 667 |
| Retained earnings to average equity (ytd only) | 8.4145% | 1,296 |
| Net charge-offs to loans | -0.0040% | 6,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2997% | 6,985 |
| Assets per employee ($millions) | 4.7022% | 2,543 |
| Cash dividends to net income (ytd only)* | 47.5059% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 2,628 |
| Loan loss allowance to noncurrent loans | 20,060.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 7,120 |
| Noncurrent loans to loans | 0.0095% | 6,984 |
| Net loans and leases to total assets | 54.6782% | 5,197 |
| Net loans and leases to deposits | 68.2030% | 4,675 |
| Net loans and leases to core deposits | 78.9635% | 3,936 |
| Total domestic deposits to total assets | 80.1697% | 5,780 |
| Equity capital to assets | 11.7989% | 2,248 |
| Core capital (leverage) ratio | 10.4691% | 2,743 |
| Tier 1 risk-based capital ratio | 17.2781% | 2,419 |
| Total risk-based capital ratio | 18.5344% | 2,391 |
| Memoranda: | ||
| Average total assets | $91,538,000 | 5,219 |
| Average earning assets | $88,033,330 | 5,062 |
| Average equity | $10,505,670 | 4,921 |
| Average total loans | $50,221,000 | 5,346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 4,960 |
| Cost of funding earning assets | 1.0547% | 3,820 |
| Net interest margin | 3.5418% | 4,841 |
| Noninterest income to average assets | 0.4253% | 4,493 |
| Noninterest expense to average assets | 2.1798% | 6,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5723% | 733 |
| Return on assets (ROA) | 1.8165% | 503 |
| Pretax return on assets | 1.9095% | 667 |
| Return on Equity (ROE) | 16.0619% | 668 |
| Retained earnings to average equity (ytd only) | 8.2268% | 1,650 |
| Net charge-offs to loans | -0.0081% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2543% | 6,834 |
| Assets per employee ($millions) | 4.5350% | 2,827 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0434% | 2,304 |
| Loan loss allowance to noncurrent loans | 20,060.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 7,189 |
| Noncurrent loans to loans | 0.0102% | 7,052 |
| Net loans and leases to total assets | 53.0132% | 5,448 |
| Net loans and leases to deposits | 63.6279% | 5,302 |
| Net loans and leases to core deposits | 72.6900% | 4,699 |
| Total domestic deposits to total assets | 83.3175% | 4,786 |
| Equity capital to assets | 11.4046% | 2,342 |
| Core capital (leverage) ratio | 10.5505% | 2,564 |
| Tier 1 risk-based capital ratio | 17.8886% | 2,153 |
| Total risk-based capital ratio | 19.1468% | 2,121 |
| Memoranda: | ||
| Average total assets | $90,285,500 | 5,281 |
| Average earning assets | $86,848,500 | 5,129 |
| Average equity | $10,210,500 | 4,986 |
| Average total loans | $49,119,500 | 5,436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 4,951 |
| Cost of funding earning assets | 1.3252% | 3,717 |
| Net interest margin | 3.5885% | 4,871 |
| Noninterest income to average assets | 0.4568% | 4,463 |
| Noninterest expense to average assets | 2.2026% | 6,603 |
| Loan and lease loss provision to assets | 0.1202% | 5,955 |
| Net operating income to assets | 1.4945% | 772 |
| Return on assets (ROA) | 1.5066% | 819 |
| Pretax return on assets | 1.5753% | 1,188 |
| Return on Equity (ROE) | 13.1637% | 1,048 |
| Retained earnings to average equity (ytd only) | 6.9119% | 1,358 |
| Net charge-offs to loans | -0.1869% | 7,539 |
| Credit loss provision to net charge-offs | -117.9775% | 7,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9741% | 6,992 |
| Assets per employee ($millions) | 4.7301% | 2,520 |
| Cash dividends to net income (ytd only)* | 47.4924% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 2,208 |
| Loan loss allowance to noncurrent loans | 20,040.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,253 |
| Noncurrent loans to loans | 0.0102% | 7,134 |
| Net loans and leases to total assets | 53.5779% | 5,693 |
| Net loans and leases to deposits | 69.5613% | 4,867 |
| Net loans and leases to core deposits | 77.2666% | 4,557 |
| Total domestic deposits to total assets | 77.0226% | 6,475 |
| Equity capital to assets | 11.2127% | 2,489 |
| Core capital (leverage) ratio | 10.3116% | 2,757 |
| Tier 1 risk-based capital ratio | 17.4875% | 2,181 |
| Total risk-based capital ratio | 18.7457% | 2,141 |
| Memoranda: | ||
| Average total assets | $87,349,400 | 5,364 |
| Average earning assets | $83,461,400 | 5,232 |
| Average equity | $9,997,200 | 5,138 |
| Average total loans | $47,608,200 | 5,572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 5,049 |
| Cost of funding earning assets | 1.3830% | 3,685 |
| Net interest margin | 3.5655% | 5,037 |
| Noninterest income to average assets | 0.4766% | 4,359 |
| Noninterest expense to average assets | 2.2094% | 6,581 |
| Loan and lease loss provision to assets | 0.1614% | 5,416 |
| Net operating income to assets | 1.4422% | 1,038 |
| Return on assets (ROA) | 1.4422% | 1,110 |
| Pretax return on assets | 1.5068% | 1,595 |
| Return on Equity (ROE) | 12.5349% | 1,378 |
| Retained earnings to average equity (ytd only) | 6.5213% | 2,078 |
| Net charge-offs to loans | -0.2541% | 7,640 |
| Credit loss provision to net charge-offs | -116.6667% | 6,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2205% | 6,954 |
| Assets per employee ($millions) | 4.2812% | 3,292 |
| Cash dividends to net income (ytd only)* | 47.9746% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 1,974 |
| Loan loss allowance to noncurrent loans | 20,060.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 7,360 |
| Noncurrent loans to loans | 0.0105% | 7,245 |
| Net loans and leases to total assets | 54.2897% | 5,803 |
| Net loans and leases to deposits | 65.8540% | 5,676 |
| Net loans and leases to core deposits | 73.5534% | 5,350 |
| Total domestic deposits to total assets | 82.4395% | 4,821 |
| Equity capital to assets | 12.2863% | 1,983 |
| Core capital (leverage) ratio | 10.3427% | 2,865 |
| Tier 1 risk-based capital ratio | 17.7627% | 2,092 |
| Total risk-based capital ratio | 19.0215% | 2,053 |
| Memoranda: | ||
| Average total assets | $86,719,000 | 5,456 |
| Average earning assets | $82,717,000 | 5,319 |
| Average equity | $9,977,250 | 5,202 |
| Average total loans | $47,222,000 | 5,669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 5,427 |
| Cost of funding earning assets | 1.4149% | 3,782 |
| Net interest margin | 3.4770% | 5,333 |
| Noninterest income to average assets | 0.4387% | 4,624 |
| Noninterest expense to average assets | 2.2002% | 6,651 |
| Loan and lease loss provision to assets | 0.1378% | 5,515 |
| Net operating income to assets | 1.3573% | 1,176 |
| Return on assets (ROA) | 1.3573% | 1,247 |
| Pretax return on assets | 1.4193% | 1,779 |
| Return on Equity (ROE) | 12.0657% | 1,437 |
| Retained earnings to average equity (ytd only) | 5.9410% | 2,361 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6675% | 6,917 |
| Assets per employee ($millions) | 4.4364% | 2,991 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 2,946 |
| Loan loss allowance to noncurrent loans | 86,800.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 7,431 |
| Noncurrent loans to loans | 0.0020% | 7,341 |
| Net loans and leases to total assets | 55.3822% | 5,800 |
| Net loans and leases to deposits | 66.4094% | 5,756 |
| Net loans and leases to core deposits | 74.0525% | 5,438 |
| Total domestic deposits to total assets | 83.3951% | 4,391 |
| Equity capital to assets | 11.4283% | 2,497 |
| Core capital (leverage) ratio | 9.8413% | 3,351 |
| Tier 1 risk-based capital ratio | 16.2674% | 2,565 |
| Total risk-based capital ratio | 17.5217% | 2,515 |
| Memoranda: | ||
| Average total assets | $87,084,000 | 5,481 |
| Average earning assets | $83,117,000 | 5,330 |
| Average equity | $9,796,330 | 5,261 |
| Average total loans | $47,133,330 | 5,713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 5,479 |
| Cost of funding earning assets | 1.4474% | 3,894 |
| Net interest margin | 3.4486% | 5,379 |
| Noninterest income to average assets | 0.4359% | 4,597 |
| Noninterest expense to average assets | 2.2165% | 6,643 |
| Loan and lease loss provision to assets | 0.1391% | 5,162 |
| Net operating income to assets | 1.3123% | 1,271 |
| Return on assets (ROA) | 1.3123% | 1,345 |
| Pretax return on assets | 1.3726% | 1,850 |
| Return on Equity (ROE) | 11.7616% | 1,565 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,853 |
| Net charge-offs to loans | 0.0088% | 5,473 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 95 |
| Efficiency ratio | 54.4776% | 6,929 |
| Assets per employee ($millions) | 4.3868% | 3,149 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,617 |
| Loan loss allowance to noncurrent loans | 3,985.7143% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 7,430 |
| Noncurrent loans to loans | 0.0461% | 7,296 |
| Net loans and leases to total assets | 50.9722% | 6,379 |
| Net loans and leases to deposits | 60.8830% | 6,376 |
| Net loans and leases to core deposits | 67.3996% | 6,166 |
| Total domestic deposits to total assets | 83.7216% | 4,286 |
| Equity capital to assets | 11.0274% | 2,734 |
| Core capital (leverage) ratio | 9.7894% | 3,409 |
| Tier 1 risk-based capital ratio | 17.0318% | 2,260 |
| Total risk-based capital ratio | 18.2829% | 2,207 |
| Memoranda: | ||
| Average total assets | $86,262,500 | 5,567 |
| Average earning assets | $82,352,500 | 5,424 |
| Average equity | $9,624,500 | 5,339 |
| Average total loans | $45,696,500 | 5,856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4504% | 4,436 |
| Cost of funding earning assets | 1.7018% | 4,496 |
| Net interest margin | 3.7486% | 3,918 |
| Noninterest income to average assets | 0.4512% | 4,798 |
| Noninterest expense to average assets | 2.2657% | 6,833 |
| Loan and lease loss provision to assets | 0.2736% | 5,222 |
| Net operating income to assets | 1.4162% | 821 |
| Return on assets (ROA) | 1.4314% | 855 |
| Pretax return on assets | 1.4959% | 1,195 |
| Return on Equity (ROE) | 13.0714% | 946 |
| Retained earnings to average equity (ytd only) | 7.5185% | 819 |
| Net charge-offs to loans | 0.1954% | 5,424 |
| Credit loss provision to net charge-offs | 247.2527% | 1,439 |
| Earnings coverage of net charge-offs (x) | 15.8462% | 1,284 |
| Efficiency ratio | 51.5280% | 7,429 |
| Assets per employee ($millions) | 4.2395% | 3,362 |
| Cash dividends to net income (ytd only)* | 42.4809% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7628% | 2,667 |
| Loan loss allowance to noncurrent loans | 16,160.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,523 |
| Noncurrent loans to loans | 0.0109% | 7,415 |
| Net loans and leases to total assets | 53.1048% | 6,300 |
| Net loans and leases to deposits | 65.5253% | 6,108 |
| Net loans and leases to core deposits | 85.4629% | 5,578 |
| Total domestic deposits to total assets | 81.0447% | 5,335 |
| Equity capital to assets | 11.2916% | 2,470 |
| Core capital (leverage) ratio | 9.9097% | 3,181 |
| Tier 1 risk-based capital ratio | 16.6680% | 2,247 |
| Total risk-based capital ratio | 17.8473% | 2,226 |
| Memoranda: | ||
| Average total assets | $82,226,800 | 5,658 |
| Average earning assets | $78,269,600 | 5,519 |
| Average equity | $9,004,400 | 5,601 |
| Average total loans | $46,579,800 | 5,818 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5346% | 4,243 |
| Cost of funding earning assets | 1.7373% | 4,712 |
| Net interest margin | 3.7973% | 3,669 |
| Noninterest income to average assets | 0.4608% | 4,814 |
| Noninterest expense to average assets | 2.2895% | 6,732 |
| Loan and lease loss provision to assets | 0.2206% | 5,207 |
| Net operating income to assets | 1.4978% | 816 |
| Return on assets (ROA) | 1.5182% | 835 |
| Pretax return on assets | 1.5868% | 1,201 |
| Return on Equity (ROE) | 13.9770% | 937 |
| Retained earnings to average equity (ytd only) | 8.3350% | 1,031 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3633% | 7,458 |
| Assets per employee ($millions) | 4.2122% | 3,358 |
| Cash dividends to net income (ytd only)* | 40.3660% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 2,428 |
| Loan loss allowance to noncurrent loans | 13,483.3333% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 7,581 |
| Noncurrent loans to loans | 0.0130% | 7,497 |
| Net loans and leases to total assets | 53.7659% | 6,409 |
| Net loans and leases to deposits | 66.0985% | 6,300 |
| Net loans and leases to core deposits | 86.1824% | 5,848 |
| Total domestic deposits to total assets | 81.3421% | 4,943 |
| Equity capital to assets | 11.2401% | 2,803 |
| Core capital (leverage) ratio | 9.6927% | 3,653 |
| Tier 1 risk-based capital ratio | 16.3789% | 2,481 |
| Total risk-based capital ratio | 17.6340% | 2,418 |
| Memoranda: | ||
| Average total assets | $81,586,250 | 5,706 |
| Average earning assets | $77,667,000 | 5,569 |
| Average equity | $8,862,000 | 5,699 |
| Average total loans | $46,766,000 | 5,859 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 4,199 |
| Cost of funding earning assets | 1.7724% | 4,897 |
| Net interest margin | 3.8002% | 3,553 |
| Noninterest income to average assets | 0.4833% | 4,598 |
| Noninterest expense to average assets | 2.2800% | 6,818 |
| Loan and lease loss provision to assets | 0.2230% | 4,805 |
| Net operating income to assets | 1.5242% | 798 |
| Return on assets (ROA) | 1.5242% | 853 |
| Pretax return on assets | 1.5935% | 1,220 |
| Return on Equity (ROE) | 14.2038% | 958 |
| Retained earnings to average equity (ytd only) | 8.4299% | 1,084 |
| Net charge-offs to loans | 0.0043% | 6,550 |
| Credit loss provision to net charge-offs | 9,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 733.0000% | 38 |
| Efficiency ratio | 50.8167% | 7,608 |
| Assets per employee ($millions) | 4.1450% | 3,406 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 2,525 |
| Loan loss allowance to noncurrent loans | 25,433.3333% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,652 |
| Noncurrent loans to loans | 0.0065% | 7,553 |
| Net loans and leases to total assets | 54.8818% | 6,351 |
| Net loans and leases to deposits | 67.0375% | 6,285 |
| Net loans and leases to core deposits | 85.5641% | 5,957 |
| Total domestic deposits to total assets | 81.8673% | 4,746 |
| Equity capital to assets | 10.8191% | 3,091 |
| Core capital (leverage) ratio | 9.6358% | 3,722 |
| Tier 1 risk-based capital ratio | 15.9336% | 2,646 |
| Total risk-based capital ratio | 17.1883% | 2,587 |
| Memoranda: | ||
| Average total assets | $80,700,670 | 5,773 |
| Average earning assets | $76,733,000 | 5,644 |
| Average equity | $8,659,670 | 5,793 |
| Average total loans | $46,987,000 | 5,887 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 4,120 |
| Cost of funding earning assets | 1.8332% | 4,955 |
| Net interest margin | 3.8041% | 3,427 |
| Noninterest income to average assets | 0.4874% | 4,438 |
| Noninterest expense to average assets | 2.2110% | 6,839 |
| Loan and lease loss provision to assets | 0.0754% | 6,014 |
| Net operating income to assets | 1.7336% | 601 |
| Return on assets (ROA) | 1.7336% | 658 |
| Pretax return on assets | 1.8090% | 964 |
| Return on Equity (ROE) | 16.2257% | 788 |
| Retained earnings to average equity (ytd only) | 10.3469% | 1,108 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0798% | 7,661 |
| Assets per employee ($millions) | 4.0976% | 3,465 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,196 |
| Loan loss allowance to noncurrent loans | 5,741.6667% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 7,590 |
| Noncurrent loans to loans | 0.0254% | 7,481 |
| Net loans and leases to total assets | 56.8906% | 6,109 |
| Net loans and leases to deposits | 68.4947% | 6,131 |
| Net loans and leases to core deposits | 87.4646% | 5,789 |
| Total domestic deposits to total assets | 83.0584% | 4,115 |
| Equity capital to assets | 10.7148% | 3,278 |
| Core capital (leverage) ratio | 9.6343% | 3,839 |
| Tier 1 risk-based capital ratio | 15.3983% | 2,894 |
| Total risk-based capital ratio | 16.6500% | 2,824 |
| Memoranda: | ||
| Average total assets | $79,601,000 | 5,837 |
| Average earning assets | $75,496,500 | 5,715 |
| Average equity | $8,505,000 | 5,879 |
| Average total loans | $47,350,500 | 5,898 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0006% | 5,542 |
| Cost of funding earning assets | 2.4353% | 4,542 |
| Net interest margin | 3.5653% | 5,037 |
| Noninterest income to average assets | 0.4623% | 4,947 |
| Noninterest expense to average assets | 2.1860% | 7,001 |
| Loan and lease loss provision to assets | 0.2878% | 4,081 |
| Net operating income to assets | 1.2935% | 1,499 |
| Return on assets (ROA) | 1.2935% | 1,454 |
| Pretax return on assets | 1.3502% | 2,127 |
| Return on Equity (ROE) | 12.3368% | 1,503 |
| Retained earnings to average equity (ytd only) | 6.1319% | 1,471 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9632% | 7,271 |
| Assets per employee ($millions) | 3.8625% | 3,826 |
| Cash dividends to net income (ytd only)* | 50.2959% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 3,073 |
| Loan loss allowance to noncurrent loans | 9,628.5714% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,599 |
| Noncurrent loans to loans | 0.0148% | 7,478 |
| Net loans and leases to total assets | 60.4725% | 5,842 |
| Net loans and leases to deposits | 73.3371% | 5,912 |
| Net loans and leases to core deposits | 94.9010% | 5,364 |
| Total domestic deposits to total assets | 82.4583% | 4,013 |
| Equity capital to assets | 10.6524% | 3,339 |
| Core capital (leverage) ratio | 9.6116% | 3,864 |
| Tier 1 risk-based capital ratio | 15.0120% | 3,042 |
| Total risk-based capital ratio | 16.2629% | 2,955 |
| Memoranda: | ||
| Average total assets | $65,325,600 | 6,183 |
| Average earning assets | $61,593,600 | 6,104 |
| Average equity | $6,849,400 | 6,505 |
| Average total loans | $39,549,800 | 6,184 |