Home > Hill Bank & Trust Co. > Performance and Condition Ratios
Hill Bank & Trust Co., 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 | 2.9918% | 4,523 |
| Cost of funding earning assets | 0.6456% | 4,005 |
| Net interest margin | 2.3462% | 4,226 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.1353% | 4,477 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.0471% | 2,070 |
| Return on assets (ROA) | 1.0692% | 1,983 |
| Pretax return on assets | 1.3371% | 1,771 |
| Return on Equity (ROE) | 8.3500% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.4806% | 1,718 |
| 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 | 46.7494% | 4,161 |
| Assets per employee ($millions) | 12.4528% | 372 |
| Cash dividends to net income (ytd only)* | 10.4167% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9936% | 61 |
| 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 | 7.2700% | 4,455 |
| Net loans and leases to deposits | 8.5112% | 4,458 |
| Net loans and leases to core deposits | 9.3599% | 4,478 |
| Total domestic deposits to total assets | 85.4300% | 2,179 |
| Equity capital to assets | 14.3421% | 626 |
| Core capital (leverage) ratio | 19.1173% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7161% | 201 |
| Memoranda: | ||
| Average total assets | $152,644,200 | 3,334 |
| Average earning assets | $148,069,800 | 3,266 |
| Average equity | $19,543,800 | 2,901 |
| Average total loans | $12,096,000 | 4,387 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9419% | 4,538 |
| Cost of funding earning assets | 0.5382% | 4,079 |
| Net interest margin | 2.4038% | 4,226 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.2764% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9539% | 2,504 |
| Return on assets (ROA) | 0.9827% | 2,408 |
| Pretax return on assets | 1.2382% | 2,203 |
| Return on Equity (ROE) | 7.9100% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.9068% | 2,005 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.5077% | 3,797 |
| Assets per employee ($millions) | 12.4609% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7016% | 67 |
| Loan loss allowance to noncurrent loans | 22,600.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,872 |
| Noncurrent loans to loans | 0.0164% | 3,669 |
| Net loans and leases to total assets | 7.8600% | 4,483 |
| Net loans and leases to deposits | 9.0400% | 4,486 |
| Net loans and leases to core deposits | 9.8362% | 4,468 |
| Total domestic deposits to total assets | 86.9900% | 1,897 |
| Equity capital to assets | 12.6556% | 879 |
| Core capital (leverage) ratio | 18.9167% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5199% | 214 |
| Memoranda: | ||
| Average total assets | $153,446,750 | 3,338 |
| Average earning assets | $148,651,750 | 3,271 |
| Average equity | $19,071,750 | 2,932 |
| Average total loans | $12,290,500 | 4,407 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9343% | 4,562 |
| Cost of funding earning assets | 0.4681% | 4,042 |
| Net interest margin | 2.4661% | 4,244 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.2407% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0546% | 2,251 |
| Return on assets (ROA) | 1.0546% | 2,249 |
| Pretax return on assets | 1.3234% | 2,008 |
| Return on Equity (ROE) | 8.5400% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.5351% | 1,807 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.3871% | 4,038 |
| Assets per employee ($millions) | 10.0222% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9439% | 63 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 7.6500% | 4,511 |
| Net loans and leases to deposits | 8.7940% | 4,516 |
| Net loans and leases to core deposits | 9.5371% | 4,500 |
| Total domestic deposits to total assets | 86.9600% | 1,941 |
| Equity capital to assets | 12.7497% | 875 |
| Core capital (leverage) ratio | 18.1223% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0919% | 238 |
| Memoranda: | ||
| Average total assets | $154,752,000 | 3,346 |
| Average earning assets | $149,952,000 | 3,270 |
| Average equity | $19,121,000 | 2,933 |
| Average total loans | $12,317,000 | 4,431 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8903% | 4,582 |
| Cost of funding earning assets | 0.3945% | 3,979 |
| Net interest margin | 2.4958% | 4,308 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.2173% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1075% | 2,200 |
| Return on assets (ROA) | 1.1075% | 2,168 |
| Pretax return on assets | 1.3755% | 1,946 |
| Return on Equity (ROE) | 9.0900% | 3,023 |
| Retained earnings to average equity (ytd only) | 9.0888% | 1,924 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.9488% | 4,167 |
| Assets per employee ($millions) | 12.0909% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9340% | 64 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 7.4100% | 4,582 |
| Net loans and leases to deposits | 8.5145% | 4,588 |
| Net loans and leases to core deposits | 9.1782% | 4,572 |
| Total domestic deposits to total assets | 87.0300% | 2,250 |
| Equity capital to assets | 12.7534% | 814 |
| Core capital (leverage) ratio | 17.4099% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0864% | 263 |
| Memoranda: | ||
| Average total assets | $156,746,500 | 3,368 |
| Average earning assets | $152,096,000 | 3,301 |
| Average equity | $19,100,500 | 2,964 |
| Average total loans | $12,491,500 | 4,494 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2890% | 4,568 |
| Cost of funding earning assets | 0.2462% | 3,353 |
| Net interest margin | 2.0428% | 4,546 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.0800% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8474% | 3,164 |
| Return on assets (ROA) | 0.8548% | 3,067 |
| Pretax return on assets | 1.0572% | 2,897 |
| Return on Equity (ROE) | 6.4300% | 3,739 |
| Retained earnings to average equity (ytd only) | 3.9840% | 3,400 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.7495% | 4,084 |
| Assets per employee ($millions) | 13.0259% | 304 |
| Cash dividends to net income (ytd only)* | 38.0807% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7098% | 73 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 7.9200% | 4,613 |
| Net loans and leases to deposits | 8.9780% | 4,619 |
| Net loans and leases to core deposits | 9.6605% | 4,603 |
| Total domestic deposits to total assets | 88.2200% | 2,007 |
| Equity capital to assets | 11.6147% | 1,045 |
| Core capital (leverage) ratio | 17.2138% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6426% | 270 |
| Memoranda: | ||
| Average total assets | $153,606,600 | 3,407 |
| Average earning assets | $149,498,800 | 3,334 |
| Average equity | $20,406,800 | 2,916 |
| Average total loans | $12,498,800 | 4,521 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1209% | 4,582 |
| Cost of funding earning assets | 0.2183% | 3,056 |
| Net interest margin | 1.9026% | 4,583 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.0558% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7626% | 3,378 |
| Return on assets (ROA) | 0.7724% | 3,302 |
| Pretax return on assets | 0.9573% | 3,148 |
| Return on Equity (ROE) | 5.6300% | 3,864 |
| Retained earnings to average equity (ytd only) | 2.6132% | 3,883 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.7669% | 3,947 |
| Assets per employee ($millions) | 13.8101% | 248 |
| Cash dividends to net income (ytd only)* | 53.6117% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6882% | 78 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 8.2000% | 4,656 |
| Net loans and leases to deposits | 9.3190% | 4,658 |
| Net loans and leases to core deposits | 10.0354% | 4,641 |
| Total domestic deposits to total assets | 87.9900% | 2,440 |
| Equity capital to assets | 11.7444% | 935 |
| Core capital (leverage) ratio | 17.5698% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8501% | 291 |
| Memoranda: | ||
| Average total assets | $152,930,500 | 3,440 |
| Average earning assets | $149,051,750 | 3,357 |
| Average equity | $20,969,750 | 2,904 |
| Average total loans | $12,409,000 | 4,554 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9890% | 4,624 |
| Cost of funding earning assets | 0.1937% | 2,998 |
| Net interest margin | 1.7953% | 4,628 |
| Noninterest income to average assets | 0.1462% | 4,289 |
| Noninterest expense to average assets | 1.0064% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7206% | 3,237 |
| Return on assets (ROA) | 0.7206% | 3,187 |
| Pretax return on assets | 0.8942% | 3,086 |
| Return on Equity (ROE) | 5.0119% | 3,814 |
| Retained earnings to average equity (ytd only) | 0.6991% | 4,054 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9533% | 4,050 |
| Assets per employee ($millions) | 11.5068% | 439 |
| Cash dividends to net income (ytd only)* | 86.0507% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0216% | 67 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 7.6102% | 4,718 |
| Net loans and leases to deposits | 8.7194% | 4,723 |
| Net loans and leases to core deposits | 9.3986% | 4,714 |
| Total domestic deposits to total assets | 87.2791% | 2,838 |
| Equity capital to assets | 12.5918% | 744 |
| Core capital (leverage) ratio | 17.1862% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2499% | 285 |
| Memoranda: | ||
| Average total assets | $153,215,333 | 3,471 |
| Average earning assets | $149,722,667 | 3,400 |
| Average equity | $22,027,667 | 2,890 |
| Average total loans | $12,234,333 | 4,625 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8928% | 4,643 |
| Cost of funding earning assets | 0.1764% | 3,139 |
| Net interest margin | 1.7164% | 4,638 |
| Noninterest income to average assets | 0.1574% | 4,213 |
| Noninterest expense to average assets | 0.9392% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7353% | 2,906 |
| Return on assets (ROA) | 0.7353% | 2,899 |
| Pretax return on assets | 0.9005% | 2,774 |
| Return on Equity (ROE) | 4.8257% | 3,662 |
| Retained earnings to average equity (ytd only) | -3.2171% | 4,324 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0519% | 4,250 |
| Assets per employee ($millions) | 12.7074% | 330 |
| Cash dividends to net income (ytd only)* | 166.6667% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9565% | 74 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 7.5933% | 4,747 |
| Net loans and leases to deposits | 8.8727% | 4,749 |
| Net loans and leases to core deposits | 9.5637% | 4,740 |
| Total domestic deposits to total assets | 85.5806% | 3,389 |
| Equity capital to assets | 14.0679% | 522 |
| Core capital (leverage) ratio | 16.4618% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8469% | 303 |
| Memoranda: | ||
| Average total assets | $155,028,500 | 3,472 |
| Average earning assets | $151,947,000 | 3,389 |
| Average equity | $23,623,500 | 2,860 |
| Average total loans | $12,421,000 | 4,641 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8118% | 4,714 |
| Cost of funding earning assets | 0.2251% | 3,194 |
| Net interest margin | 1.5866% | 4,713 |
| Noninterest income to average assets | 0.1333% | 4,476 |
| Noninterest expense to average assets | 0.9302% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6638% | 3,711 |
| Return on assets (ROA) | 0.5815% | 3,958 |
| Pretax return on assets | 0.6704% | 3,996 |
| Return on Equity (ROE) | 3.4691% | 4,300 |
| Retained earnings to average equity (ytd only) | 2.7036% | 3,758 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8744% | 3,836 |
| Assets per employee ($millions) | 14.3244% | 229 |
| Cash dividends to net income (ytd only)* | 22.0667% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7306% | 80 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 7.8119% | 4,788 |
| Net loans and leases to deposits | 9.3708% | 4,791 |
| Net loans and leases to core deposits | 10.2127% | 4,780 |
| Total domestic deposits to total assets | 83.3640% | 3,727 |
| Equity capital to assets | 16.3707% | 341 |
| Core capital (leverage) ratio | 16.0842% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8932% | 314 |
| Memoranda: | ||
| Average total assets | $159,748,600 | 3,393 |
| Average earning assets | $157,251,000 | 3,306 |
| Average equity | $26,779,400 | 2,739 |
| Average total loans | $13,280,600 | 4,678 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7854% | 4,797 |
| Cost of funding earning assets | 0.2425% | 3,191 |
| Net interest margin | 1.5429% | 4,800 |
| Noninterest income to average assets | 0.1356% | 4,522 |
| Noninterest expense to average assets | 0.9225% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6028% | 4,003 |
| Return on assets (ROA) | 0.6205% | 4,020 |
| Pretax return on assets | 0.7536% | 3,972 |
| Return on Equity (ROE) | 3.6804% | 4,352 |
| Retained earnings to average equity (ytd only) | 2.6690% | 4,012 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7567% | 3,555 |
| Assets per employee ($millions) | 14.8527% | 213 |
| Cash dividends to net income (ytd only)* | 27.4799% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6871% | 88 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 7.6264% | 4,862 |
| Net loans and leases to deposits | 9.1740% | 4,866 |
| Net loans and leases to core deposits | 10.0299% | 4,852 |
| Total domestic deposits to total assets | 83.1301% | 3,671 |
| Equity capital to assets | 16.3386% | 383 |
| Core capital (leverage) ratio | 15.7251% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4817% | 286 |
| Memoranda: | ||
| Average total assets | $160,293,750 | 3,427 |
| Average earning assets | $157,797,750 | 3,332 |
| Average equity | $27,025,500 | 2,752 |
| Average total loans | $13,404,250 | 4,747 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7792% | 4,838 |
| Cost of funding earning assets | 0.2695% | 3,096 |
| Net interest margin | 1.5096% | 4,841 |
| Noninterest income to average assets | 0.1467% | 4,464 |
| Noninterest expense to average assets | 0.9438% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5505% | 4,108 |
| Return on assets (ROA) | 0.5740% | 4,089 |
| Pretax return on assets | 0.7181% | 4,026 |
| Return on Equity (ROE) | 3.5714% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.1825% | 4,071 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8125% | 3,312 |
| Assets per employee ($millions) | 13.2034% | 270 |
| Cash dividends to net income (ytd only)* | 38.8889% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5905% | 89 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 8.0838% | 4,900 |
| Net loans and leases to deposits | 9.6669% | 4,902 |
| Net loans and leases to core deposits | 10.5927% | 4,892 |
| Total domestic deposits to total assets | 83.6229% | 3,541 |
| Equity capital to assets | 15.9959% | 414 |
| Core capital (leverage) ratio | 15.8666% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2679% | 223 |
| Memoranda: | ||
| Average total assets | $156,805,000 | 3,460 |
| Average earning assets | $154,340,667 | 3,372 |
| Average equity | $25,200,000 | 2,863 |
| Average total loans | $13,560,000 | 4,777 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7480% | 4,876 |
| Cost of funding earning assets | 0.2939% | 3,056 |
| Net interest margin | 1.4540% | 4,881 |
| Noninterest income to average assets | 0.1718% | 4,335 |
| Noninterest expense to average assets | 0.9616% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5590% | 4,046 |
| Return on assets (ROA) | 0.5590% | 4,092 |
| Pretax return on assets | 0.6436% | 4,120 |
| Return on Equity (ROE) | 3.4702% | 4,378 |
| Retained earnings to average equity (ytd only) | 1.8784% | 4,033 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9042% | 3,043 |
| Assets per employee ($millions) | 13.2584% | 268 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5143% | 95 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 8.2312% | 4,928 |
| Net loans and leases to deposits | 9.8178% | 4,929 |
| Net loans and leases to core deposits | 10.7723% | 4,921 |
| Total domestic deposits to total assets | 83.8405% | 3,484 |
| Equity capital to assets | 15.8308% | 407 |
| Core capital (leverage) ratio | 16.1757% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8117% | 109 |
| Memoranda: | ||
| Average total assets | $155,987,000 | 3,473 |
| Average earning assets | $153,779,000 | 3,377 |
| Average equity | $25,128,000 | 2,860 |
| Average total loans | $13,697,500 | 4,804 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4421% | 4,855 |
| Cost of funding earning assets | 0.4621% | 3,205 |
| Net interest margin | 1.9800% | 4,834 |
| Noninterest income to average assets | 0.1675% | 4,453 |
| Noninterest expense to average assets | 1.1942% | 4,902 |
| Loan and lease loss provision to assets | 0.1413% | 2,586 |
| Net operating income to assets | 0.6631% | 3,547 |
| Return on assets (ROA) | 0.8228% | 3,127 |
| Pretax return on assets | 0.9607% | 3,176 |
| Return on Equity (ROE) | 4.9660% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.4839% | 3,088 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5827% | 3,908 |
| Assets per employee ($millions) | 11.7595% | 336 |
| Cash dividends to net income (ytd only)* | 29.8446% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4510% | 99 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 8.7295% | 4,949 |
| Net loans and leases to deposits | 10.4815% | 4,952 |
| Net loans and leases to core deposits | 11.3995% | 4,944 |
| Total domestic deposits to total assets | 83.2848% | 3,336 |
| Equity capital to assets | 16.3986% | 391 |
| Core capital (leverage) ratio | 16.2281% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3634% | 128 |
| Memoranda: | ||
| Average total assets | $148,639,000 | 3,417 |
| Average earning assets | $145,858,400 | 3,317 |
| Average equity | $24,627,600 | 2,831 |
| Average total loans | $15,073,000 | 4,805 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8135% | 4,825 |
| Cost of funding earning assets | 0.4975% | 3,237 |
| Net interest margin | 2.3160% | 4,775 |
| Noninterest income to average assets | 0.1744% | 4,420 |
| Noninterest expense to average assets | 1.2504% | 4,924 |
| Loan and lease loss provision to assets | 0.1897% | 2,090 |
| Net operating income to assets | 0.8614% | 2,855 |
| Return on assets (ROA) | 0.8754% | 2,924 |
| Pretax return on assets | 1.0218% | 2,987 |
| Return on Equity (ROE) | 5.2696% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.4478% | 3,337 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1267% | 4,407 |
| Assets per employee ($millions) | 10.8874% | 391 |
| Cash dividends to net income (ytd only)* | 34.5717% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3986% | 101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 8.8950% | 4,984 |
| Net loans and leases to deposits | 10.6788% | 4,986 |
| Net loans and leases to core deposits | 11.6308% | 4,981 |
| Total domestic deposits to total assets | 83.2958% | 3,062 |
| Equity capital to assets | 16.3000% | 434 |
| Core capital (leverage) ratio | 16.4264% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,580,500 | 3,421 |
| Average earning assets | $144,727,500 | 3,310 |
| Average equity | $24,517,250 | 2,829 |
| Average total loans | $15,385,750 | 4,832 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8198% | 4,899 |
| Cost of funding earning assets | 0.5368% | 3,308 |
| Net interest margin | 2.2830% | 4,841 |
| Noninterest income to average assets | 0.1932% | 4,310 |
| Noninterest expense to average assets | 1.2702% | 4,953 |
| Loan and lease loss provision to assets | 0.1165% | 2,856 |
| Net operating income to assets | 0.9016% | 2,684 |
| Return on assets (ROA) | 0.9016% | 2,807 |
| Pretax return on assets | 1.0441% | 2,889 |
| Return on Equity (ROE) | 5.3917% | 3,717 |
| Retained earnings to average equity (ytd only) | 3.2203% | 3,295 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2548% | 4,337 |
| Assets per employee ($millions) | 10.7311% | 411 |
| Cash dividends to net income (ytd only)* | 40.2736% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 10.1647% | 5,014 |
| Net loans and leases to deposits | 12.2159% | 5,018 |
| Net loans and leases to core deposits | 13.3270% | 5,008 |
| Total domestic deposits to total assets | 83.2090% | 3,027 |
| Equity capital to assets | 16.3770% | 424 |
| Core capital (leverage) ratio | 16.6466% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,966,333 | 3,419 |
| Average earning assets | $143,059,333 | 3,310 |
| Average equity | $24,408,000 | 2,824 |
| Average total loans | $15,836,000 | 4,849 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8571% | 4,988 |
| Cost of funding earning assets | 0.5930% | 3,472 |
| Net interest margin | 2.2641% | 4,935 |
| Noninterest income to average assets | 0.2642% | 3,954 |
| Noninterest expense to average assets | 1.2987% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0651% | 1,948 |
| Return on assets (ROA) | 1.0651% | 2,055 |
| Pretax return on assets | 1.1847% | 2,246 |
| Return on Equity (ROE) | 6.3019% | 3,203 |
| Retained earnings to average equity (ytd only) | 3.2579% | 2,978 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2956% | 4,533 |
| Assets per employee ($millions) | 10.3076% | 350 |
| Cash dividends to net income (ytd only)* | 48.3029% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 11.3550% | 5,054 |
| Net loans and leases to deposits | 13.7314% | 5,054 |
| Net loans and leases to core deposits | 15.0080% | 5,045 |
| Total domestic deposits to total assets | 82.6931% | 3,209 |
| Equity capital to assets | 16.9146% | 453 |
| Core capital (leverage) ratio | 16.8731% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0098% | 389 |
| Memoranda: | ||
| Average total assets | $143,832,000 | 3,413 |
| Average earning assets | $140,983,500 | 3,297 |
| Average equity | $24,310,000 | 2,824 |
| Average total loans | $15,942,500 | 4,886 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8639% | 5,082 |
| Cost of funding earning assets | 0.5692% | 3,779 |
| Net interest margin | 2.2948% | 5,037 |
| Noninterest income to average assets | 0.1917% | 4,516 |
| Noninterest expense to average assets | 1.2788% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1322% | 2,326 |
| Return on assets (ROA) | 1.1479% | 2,361 |
| Pretax return on assets | 1.1791% | 2,913 |
| Return on Equity (ROE) | 6.6497% | 3,686 |
| Retained earnings to average equity (ytd only) | -0.9096% | 4,799 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3754% | 4,577 |
| Assets per employee ($millions) | 10.2387% | 340 |
| Cash dividends to net income (ytd only)* | 113.6784% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 10.4401% | 5,119 |
| Net loans and leases to deposits | 12.6086% | 5,124 |
| Net loans and leases to core deposits | 13.9180% | 5,116 |
| Total domestic deposits to total assets | 82.8013% | 3,271 |
| Equity capital to assets | 16.9106% | 480 |
| Core capital (leverage) ratio | 16.8261% | 434 |
| Tier 1 risk-based capital ratio | 26.1811% | 664 |
| Total risk-based capital ratio | 26.4694% | 720 |
| Memoranda: | ||
| Average total assets | $141,382,600 | 3,419 |
| Average earning assets | $138,620,600 | 3,300 |
| Average equity | $24,407,200 | 2,761 |
| Average total loans | $14,121,000 | 4,984 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8437% | 5,179 |
| Cost of funding earning assets | 0.5552% | 3,896 |
| Net interest margin | 2.2885% | 5,131 |
| Noninterest income to average assets | 0.1949% | 4,550 |
| Noninterest expense to average assets | 1.2927% | 5,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1145% | 2,517 |
| Return on assets (ROA) | 1.1356% | 2,517 |
| Pretax return on assets | 1.1668% | 3,081 |
| Return on Equity (ROE) | 6.5441% | 3,862 |
| Retained earnings to average equity (ytd only) | -2.8358% | 4,983 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0280% | 4,495 |
| Assets per employee ($millions) | 10.2342% | 325 |
| Cash dividends to net income (ytd only)* | 143.3336% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 10.1990% | 5,200 |
| Net loans and leases to deposits | 12.3013% | 5,202 |
| Net loans and leases to core deposits | 13.5364% | 5,195 |
| Total domestic deposits to total assets | 82.9096% | 3,199 |
| Equity capital to assets | 16.7101% | 520 |
| Core capital (leverage) ratio | 16.9478% | 452 |
| Tier 1 risk-based capital ratio | 26.5739% | 671 |
| Total risk-based capital ratio | 26.8702% | 716 |
| Memoranda: | ||
| Average total assets | $140,892,750 | 3,457 |
| Average earning assets | $138,081,000 | 3,339 |
| Average equity | $24,449,000 | 2,771 |
| Average total loans | $13,843,250 | 5,066 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8464% | 5,240 |
| Cost of funding earning assets | 0.5329% | 3,967 |
| Net interest margin | 2.3135% | 5,186 |
| Noninterest income to average assets | 0.1999% | 4,555 |
| Noninterest expense to average assets | 1.2948% | 5,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1430% | 2,358 |
| Return on assets (ROA) | 1.1749% | 2,317 |
| Pretax return on assets | 1.2063% | 2,887 |
| Return on Equity (ROE) | 6.6862% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.6728% | 3,861 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4581% | 4,617 |
| Assets per employee ($millions) | 10.0570% | 326 |
| Cash dividends to net income (ytd only)* | 60.0243% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 9.7274% | 5,250 |
| Net loans and leases to deposits | 11.8534% | 5,253 |
| Net loans and leases to core deposits | 13.0789% | 5,247 |
| Total domestic deposits to total assets | 82.0644% | 3,494 |
| Equity capital to assets | 17.6075% | 416 |
| Core capital (leverage) ratio | 17.5288% | 378 |
| Tier 1 risk-based capital ratio | 29.2920% | 504 |
| Total risk-based capital ratio | 29.6063% | 536 |
| Memoranda: | ||
| Average total assets | $140,097,330 | 3,491 |
| Average earning assets | $137,368,330 | 3,369 |
| Average equity | $24,618,000 | 2,756 |
| Average total loans | $13,497,670 | 5,115 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8358% | 5,304 |
| Cost of funding earning assets | 0.4906% | 4,101 |
| Net interest margin | 2.3451% | 5,244 |
| Noninterest income to average assets | 0.2261% | 4,390 |
| Noninterest expense to average assets | 1.2909% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2337% | 1,936 |
| Return on assets (ROA) | 1.2394% | 1,971 |
| Pretax return on assets | 1.2394% | 2,665 |
| Return on Equity (ROE) | 7.0603% | 3,656 |
| Retained earnings to average equity (ytd only) | 2.2339% | 3,998 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1338% | 4,751 |
| Assets per employee ($millions) | 9.4109% | 410 |
| Cash dividends to net income (ytd only)* | 68.3603% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 9.2502% | 5,313 |
| Net loans and leases to deposits | 11.2504% | 5,314 |
| Net loans and leases to core deposits | 12.2823% | 5,305 |
| Total domestic deposits to total assets | 82.2214% | 3,669 |
| Equity capital to assets | 17.4265% | 401 |
| Core capital (leverage) ratio | 17.6383% | 355 |
| Tier 1 risk-based capital ratio | 30.5495% | 458 |
| Total risk-based capital ratio | 30.8811% | 481 |
| Memoranda: | ||
| Average total assets | $139,747,000 | 3,535 |
| Average earning assets | $136,964,000 | 3,414 |
| Average equity | $24,531,500 | 2,758 |
| Average total loans | $13,265,500 | 5,181 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6844% | 5,319 |
| Cost of funding earning assets | 0.3328% | 4,389 |
| Net interest margin | 2.3516% | 5,268 |
| Noninterest income to average assets | 0.1965% | 4,726 |
| Noninterest expense to average assets | 1.2448% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2505% | 1,970 |
| Return on assets (ROA) | 1.2547% | 1,957 |
| Pretax return on assets | 1.2611% | 2,646 |
| Return on Equity (ROE) | 7.4580% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.0339% | 2,748 |
| Net charge-offs to loans | -0.0083% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7590% | 4,957 |
| Assets per employee ($millions) | 9.2138% | 433 |
| Cash dividends to net income (ytd only)* | 32.5042% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0218% | 454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 9.3620% | 5,354 |
| Net loans and leases to deposits | 11.4032% | 5,358 |
| Net loans and leases to core deposits | 12.5068% | 5,351 |
| Total domestic deposits to total assets | 82.1000% | 3,619 |
| Equity capital to assets | 17.6417% | 367 |
| Core capital (leverage) ratio | 17.6092% | 362 |
| Tier 1 risk-based capital ratio | 32.6294% | 381 |
| Total risk-based capital ratio | 32.9867% | 398 |
| Memoranda: | ||
| Average total assets | $140,989,400 | 3,492 |
| Average earning assets | $138,204,000 | 3,383 |
| Average equity | $23,719,400 | 2,753 |
| Average total loans | $12,104,400 | 5,248 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6493% | 5,389 |
| Cost of funding earning assets | 0.3150% | 4,414 |
| Net interest margin | 2.3343% | 5,339 |
| Noninterest income to average assets | 0.1948% | 4,808 |
| Noninterest expense to average assets | 1.2365% | 5,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2375% | 2,099 |
| Return on assets (ROA) | 1.2422% | 2,080 |
| Pretax return on assets | 1.2506% | 2,809 |
| Return on Equity (ROE) | 7.4721% | 3,763 |
| Retained earnings to average equity (ytd only) | 4.8965% | 3,291 |
| Net charge-offs to loans | -0.0112% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8105% | 4,952 |
| Assets per employee ($millions) | 9.2427% | 408 |
| Cash dividends to net income (ytd only)* | 34.4695% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0344% | 458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 9.2390% | 5,430 |
| Net loans and leases to deposits | 11.2298% | 5,432 |
| Net loans and leases to core deposits | 12.2354% | 5,424 |
| Total domestic deposits to total assets | 82.2728% | 3,534 |
| Equity capital to assets | 17.3492% | 396 |
| Core capital (leverage) ratio | 17.2602% | 388 |
| Tier 1 risk-based capital ratio | 32.4852% | 381 |
| Total risk-based capital ratio | 32.8444% | 408 |
| Memoranda: | ||
| Average total assets | $141,685,000 | 3,518 |
| Average earning assets | $138,851,250 | 3,410 |
| Average equity | $23,553,750 | 2,781 |
| Average total loans | $11,829,000 | 5,317 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6047% | 5,454 |
| Cost of funding earning assets | 0.3077% | 4,371 |
| Net interest margin | 2.2970% | 5,417 |
| Noninterest income to average assets | 0.1990% | 4,826 |
| Noninterest expense to average assets | 1.2292% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2068% | 2,167 |
| Return on assets (ROA) | 1.2137% | 2,134 |
| Pretax return on assets | 1.2263% | 2,844 |
| Return on Equity (ROE) | 7.4057% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.7285% | 3,736 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2003% | 5,018 |
| Assets per employee ($millions) | 9.5137% | 373 |
| Cash dividends to net income (ytd only)* | 49.6536% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 8.6171% | 5,495 |
| Net loans and leases to deposits | 10.3633% | 5,498 |
| Net loans and leases to core deposits | 11.3049% | 5,490 |
| Total domestic deposits to total assets | 83.1499% | 3,369 |
| Equity capital to assets | 16.5544% | 443 |
| Core capital (leverage) ratio | 16.6125% | 433 |
| Tier 1 risk-based capital ratio | 31.5138% | 426 |
| Total risk-based capital ratio | 31.8686% | 451 |
| Memoranda: | ||
| Average total assets | $142,700,000 | 3,535 |
| Average earning assets | $139,748,000 | 3,414 |
| Average equity | $23,387,330 | 2,806 |
| Average total loans | $11,413,670 | 5,387 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5697% | 5,521 |
| Cost of funding earning assets | 0.3094% | 4,273 |
| Net interest margin | 2.2603% | 5,486 |
| Noninterest income to average assets | 0.2299% | 4,631 |
| Noninterest expense to average assets | 1.1885% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0960% | 2,441 |
| Return on assets (ROA) | 1.0960% | 2,454 |
| Pretax return on assets | 1.2530% | 2,542 |
| Return on Equity (ROE) | 6.7214% | 3,897 |
| Retained earnings to average equity (ytd only) | 2.7676% | 4,078 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6797% | 5,164 |
| Assets per employee ($millions) | 9.6493% | 363 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4552% | 265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 7.3014% | 5,561 |
| Net loans and leases to deposits | 8.7439% | 5,563 |
| Net loans and leases to core deposits | 9.5028% | 5,554 |
| Total domestic deposits to total assets | 83.5028% | 3,503 |
| Equity capital to assets | 16.1324% | 474 |
| Core capital (leverage) ratio | 16.3643% | 445 |
| Tier 1 risk-based capital ratio | 35.8966% | 309 |
| Total risk-based capital ratio | 36.3055% | 325 |
| Memoranda: | ||
| Average total assets | $142,697,500 | 3,565 |
| Average earning assets | $139,627,000 | 3,452 |
| Average equity | $23,269,000 | 2,837 |
| Average total loans | $10,839,000 | 5,456 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5496% | 5,538 |
| Cost of funding earning assets | 0.2865% | 4,263 |
| Net interest margin | 2.2631% | 5,520 |
| Noninterest income to average assets | 0.2006% | 4,942 |
| Noninterest expense to average assets | 1.2425% | 5,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9551% | 2,422 |
| Return on assets (ROA) | 0.9510% | 2,476 |
| Pretax return on assets | 1.1704% | 2,891 |
| Return on Equity (ROE) | 5.8353% | 3,828 |
| Retained earnings to average equity (ytd only) | 3.9404% | 2,839 |
| Net charge-offs to loans | -0.0093% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3876% | 5,139 |
| Assets per employee ($millions) | 9.3761% | 394 |
| Cash dividends to net income (ytd only)* | 32.4734% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4530% | 262 |
| Loan loss allowance to noncurrent loans | 782.3529% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,032 |
| Noncurrent loans to loans | 0.3135% | 3,657 |
| Net loans and leases to total assets | 7.5213% | 5,628 |
| Net loans and leases to deposits | 9.0358% | 5,632 |
| Net loans and leases to core deposits | 9.9457% | 5,622 |
| Total domestic deposits to total assets | 83.2389% | 3,481 |
| Equity capital to assets | 16.3757% | 470 |
| Core capital (leverage) ratio | 16.4464% | 425 |
| Tier 1 risk-based capital ratio | 34.4101% | 335 |
| Total risk-based capital ratio | 34.8075% | 349 |
| Memoranda: | ||
| Average total assets | $138,589,600 | 3,633 |
| Average earning assets | $135,784,600 | 3,509 |
| Average equity | $22,586,600 | 2,896 |
| Average total loans | $10,758,800 | 5,522 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5382% | 5,602 |
| Cost of funding earning assets | 0.2794% | 4,321 |
| Net interest margin | 2.2588% | 5,587 |
| Noninterest income to average assets | 0.2066% | 4,971 |
| Noninterest expense to average assets | 1.2457% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9585% | 2,729 |
| Return on assets (ROA) | 0.9531% | 2,827 |
| Pretax return on assets | 1.1713% | 3,017 |
| Return on Equity (ROE) | 5.8551% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.9983% | 3,546 |
| Net charge-offs to loans | -0.0124% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3944% | 5,149 |
| Assets per employee ($millions) | 9.2121% | 400 |
| Cash dividends to net income (ytd only)* | 31.7120% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5193% | 257 |
| Loan loss allowance to noncurrent loans | 779.4118% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,126 |
| Noncurrent loans to loans | 0.3232% | 3,789 |
| Net loans and leases to total assets | 7.4207% | 5,695 |
| Net loans and leases to deposits | 8.9384% | 5,697 |
| Net loans and leases to core deposits | 9.8817% | 5,688 |
| Total domestic deposits to total assets | 83.0201% | 3,445 |
| Equity capital to assets | 16.5095% | 483 |
| Core capital (leverage) ratio | 16.5570% | 420 |
| Tier 1 risk-based capital ratio | 33.1363% | 378 |
| Total risk-based capital ratio | 33.5226% | 398 |
| Memoranda: | ||
| Average total assets | $138,076,750 | 3,674 |
| Average earning assets | $135,525,000 | 3,542 |
| Average equity | $22,475,500 | 2,925 |
| Average total loans | $10,737,500 | 5,583 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5137% | 5,656 |
| Cost of funding earning assets | 0.2760% | 4,325 |
| Net interest margin | 2.2377% | 5,636 |
| Noninterest income to average assets | 0.2173% | 4,952 |
| Noninterest expense to average assets | 1.2547% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9442% | 2,694 |
| Return on assets (ROA) | 0.9359% | 2,800 |
| Pretax return on assets | 1.1489% | 2,981 |
| Return on Equity (ROE) | 5.7774% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.3465% | 3,116 |
| Net charge-offs to loans | -0.0185% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9808% | 5,177 |
| Assets per employee ($millions) | 9.3316% | 370 |
| Cash dividends to net income (ytd only)* | 24.7678% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4170% | 315 |
| Loan loss allowance to noncurrent loans | 757.1429% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 5,169 |
| Noncurrent loans to loans | 0.3192% | 3,887 |
| Net loans and leases to total assets | 7.6436% | 5,743 |
| Net loans and leases to deposits | 9.1623% | 5,745 |
| Net loans and leases to core deposits | 10.0789% | 5,737 |
| Total domestic deposits to total assets | 83.4241% | 3,419 |
| Equity capital to assets | 16.1644% | 516 |
| Core capital (leverage) ratio | 16.2734% | 441 |
| Tier 1 risk-based capital ratio | 32.0019% | 403 |
| Total risk-based capital ratio | 32.3767% | 427 |
| Memoranda: | ||
| Average total assets | $138,042,000 | 3,695 |
| Average earning assets | $135,499,000 | 3,565 |
| Average equity | $22,363,000 | 2,940 |
| Average total loans | $10,810,330 | 5,629 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4854% | 5,724 |
| Cost of funding earning assets | 0.2738% | 4,317 |
| Net interest margin | 2.2116% | 5,698 |
| Noninterest income to average assets | 0.2510% | 4,738 |
| Noninterest expense to average assets | 1.2344% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0009% | 2,294 |
| Return on assets (ROA) | 1.0009% | 2,346 |
| Pretax return on assets | 1.1847% | 2,656 |
| Return on Equity (ROE) | 6.1714% | 3,823 |
| Retained earnings to average equity (ytd only) | 3.2926% | 3,788 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0253% | 5,328 |
| Assets per employee ($millions) | 9.3561% | 375 |
| Cash dividends to net income (ytd only)* | 46.6472% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4934% | 313 |
| Loan loss allowance to noncurrent loans | 757.1429% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,222 |
| Noncurrent loans to loans | 0.3293% | 3,936 |
| Net loans and leases to total assets | 7.3842% | 5,814 |
| Net loans and leases to deposits | 8.8311% | 5,812 |
| Net loans and leases to core deposits | 9.6407% | 5,802 |
| Total domestic deposits to total assets | 83.6149% | 3,618 |
| Equity capital to assets | 15.9063% | 512 |
| Core capital (leverage) ratio | 16.3652% | 417 |
| Tier 1 risk-based capital ratio | 31.6823% | 426 |
| Total risk-based capital ratio | 32.0584% | 452 |
| Memoranda: | ||
| Average total assets | $137,076,000 | 3,737 |
| Average earning assets | $134,384,000 | 3,616 |
| Average equity | $22,231,500 | 2,964 |
| Average total loans | $10,733,500 | 5,693 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4214% | 5,783 |
| Cost of funding earning assets | 0.2838% | 4,225 |
| Net interest margin | 2.1376% | 5,776 |
| Noninterest income to average assets | 0.1824% | 5,308 |
| Noninterest expense to average assets | 1.2898% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8086% | 3,265 |
| Return on assets (ROA) | 0.8185% | 3,322 |
| Pretax return on assets | 1.0002% | 3,479 |
| Return on Equity (ROE) | 4.9202% | 4,469 |
| Retained earnings to average equity (ytd only) | 2.1928% | 4,284 |
| Net charge-offs to loans | -0.0183% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6233% | 4,999 |
| Assets per employee ($millions) | 8.9207% | 429 |
| Cash dividends to net income (ytd only)* | 55.4318% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4449% | 335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 7.9022% | 5,870 |
| Net loans and leases to deposits | 9.5157% | 5,869 |
| Net loans and leases to core deposits | 10.5188% | 5,859 |
| Total domestic deposits to total assets | 83.0440% | 3,754 |
| Equity capital to assets | 16.5360% | 434 |
| Core capital (leverage) ratio | 16.6000% | 392 |
| Tier 1 risk-based capital ratio | 31.6299% | 422 |
| Total risk-based capital ratio | 32.0087% | 449 |
| Memoranda: | ||
| Average total assets | $131,574,600 | 3,805 |
| Average earning assets | $128,977,600 | 3,671 |
| Average equity | $21,889,400 | 2,992 |
| Average total loans | $10,916,000 | 5,746 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3921% | 5,856 |
| Cost of funding earning assets | 0.2844% | 4,264 |
| Net interest margin | 2.1077% | 5,849 |
| Noninterest income to average assets | 0.1791% | 5,384 |
| Noninterest expense to average assets | 1.2924% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7925% | 3,403 |
| Return on assets (ROA) | 0.8060% | 3,480 |
| Pretax return on assets | 0.9698% | 3,738 |
| Return on Equity (ROE) | 4.8372% | 4,585 |
| Retained earnings to average equity (ytd only) | 1.8017% | 4,784 |
| Net charge-offs to loans | -0.0244% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5442% | 4,885 |
| Assets per employee ($millions) | 8.8831% | 427 |
| Cash dividends to net income (ytd only)* | 62.7527% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4312% | 358 |
| Loan loss allowance to noncurrent loans | 161.5854% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,936 |
| Noncurrent loans to loans | 1.5046% | 1,436 |
| Net loans and leases to total assets | 7.9815% | 5,939 |
| Net loans and leases to deposits | 9.6104% | 5,940 |
| Net loans and leases to core deposits | 10.6302% | 5,929 |
| Total domestic deposits to total assets | 83.0501% | 3,571 |
| Equity capital to assets | 16.4680% | 492 |
| Core capital (leverage) ratio | 16.8444% | 378 |
| Tier 1 risk-based capital ratio | 31.6866% | 423 |
| Total risk-based capital ratio | 32.0693% | 450 |
| Memoranda: | ||
| Average total assets | $131,015,500 | 3,833 |
| Average earning assets | $128,475,250 | 3,694 |
| Average equity | $21,830,000 | 3,025 |
| Average total loans | $10,935,250 | 5,809 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3874% | 5,935 |
| Cost of funding earning assets | 0.2835% | 4,309 |
| Net interest margin | 2.1039% | 5,932 |
| Noninterest income to average assets | 0.1873% | 5,374 |
| Noninterest expense to average assets | 1.2973% | 5,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8035% | 3,291 |
| Return on assets (ROA) | 0.8229% | 3,341 |
| Pretax return on assets | 0.9749% | 3,678 |
| Return on Equity (ROE) | 4.9192% | 4,549 |
| Retained earnings to average equity (ytd only) | 2.4229% | 4,343 |
| Net charge-offs to loans | -0.0183% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6792% | 4,950 |
| Assets per employee ($millions) | 8.6998% | 438 |
| Cash dividends to net income (ytd only)* | 50.7463% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4099% | 407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 8.1925% | 6,015 |
| Net loans and leases to deposits | 9.8986% | 6,018 |
| Net loans and leases to core deposits | 10.9785% | 6,006 |
| Total domestic deposits to total assets | 82.7644% | 3,740 |
| Equity capital to assets | 16.7904% | 454 |
| Core capital (leverage) ratio | 16.8258% | 382 |
| Tier 1 risk-based capital ratio | 31.7942% | 424 |
| Total risk-based capital ratio | 32.1773% | 451 |
| Memoranda: | ||
| Average total assets | $130,272,000 | 3,878 |
| Average earning assets | $127,670,670 | 3,729 |
| Average equity | $21,792,330 | 3,033 |
| Average total loans | $10,947,000 | 5,883 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3672% | 6,004 |
| Cost of funding earning assets | 0.2853% | 4,328 |
| Net interest margin | 2.0819% | 6,000 |
| Noninterest income to average assets | 0.2182% | 5,176 |
| Noninterest expense to average assets | 1.2754% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8923% | 2,795 |
| Return on assets (ROA) | 0.9342% | 2,694 |
| Pretax return on assets | 1.0295% | 3,365 |
| Return on Equity (ROE) | 5.5952% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.1657% | 3,929 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4626% | 5,153 |
| Assets per employee ($millions) | 8.7519% | 430 |
| Cash dividends to net income (ytd only)* | 43.4211% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4220% | 428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 8.0714% | 6,077 |
| Net loans and leases to deposits | 9.7363% | 6,078 |
| Net loans and leases to core deposits | 10.6414% | 6,068 |
| Total domestic deposits to total assets | 82.9004% | 3,934 |
| Equity capital to assets | 16.6205% | 459 |
| Core capital (leverage) ratio | 16.7318% | 395 |
| Tier 1 risk-based capital ratio | 33.9220% | 369 |
| Total risk-based capital ratio | 34.3309% | 383 |
| Memoranda: | ||
| Average total assets | $130,159,500 | 3,909 |
| Average earning assets | $127,577,000 | 3,758 |
| Average equity | $21,733,000 | 3,047 |
| Average total loans | $10,943,000 | 5,938 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2852% | 6,056 |
| Cost of funding earning assets | 0.3011% | 4,236 |
| Net interest margin | 1.9841% | 6,051 |
| Noninterest income to average assets | 0.1770% | 5,525 |
| Noninterest expense to average assets | 1.2851% | 6,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7218% | 3,701 |
| Return on assets (ROA) | 0.7252% | 3,791 |
| Pretax return on assets | 0.8382% | 4,078 |
| Return on Equity (ROE) | 4.3395% | 4,805 |
| Retained earnings to average equity (ytd only) | 1.8665% | 4,664 |
| Net charge-offs to loans | -0.0262% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6328% | 4,812 |
| Assets per employee ($millions) | 8.6006% | 451 |
| Cash dividends to net income (ytd only)* | 56.9892% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3851% | 462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 8.3436% | 6,135 |
| Net loans and leases to deposits | 10.0718% | 6,138 |
| Net loans and leases to core deposits | 11.1704% | 6,127 |
| Total domestic deposits to total assets | 82.8415% | 3,889 |
| Equity capital to assets | 16.7655% | 433 |
| Core capital (leverage) ratio | 16.5428% | 415 |
| Tier 1 risk-based capital ratio | 36.3134% | 299 |
| Total risk-based capital ratio | 36.7550% | 319 |
| Memoranda: | ||
| Average total assets | $128,244,000 | 3,923 |
| Average earning assets | $125,546,000 | 3,780 |
| Average equity | $21,430,800 | 3,032 |
| Average total loans | $11,430,600 | 5,983 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2778% | 6,150 |
| Cost of funding earning assets | 0.3022% | 4,320 |
| Net interest margin | 1.9757% | 6,141 |
| Noninterest income to average assets | 0.1791% | 5,579 |
| Noninterest expense to average assets | 1.2776% | 6,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7174% | 3,832 |
| Return on assets (ROA) | 0.7174% | 3,932 |
| Pretax return on assets | 0.8350% | 4,223 |
| Return on Equity (ROE) | 4.2965% | 4,914 |
| Retained earnings to average equity (ytd only) | 1.8645% | 4,949 |
| Net charge-offs to loans | -0.0347% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4731% | 4,819 |
| Assets per employee ($millions) | 8.7645% | 404 |
| Cash dividends to net income (ytd only)* | 56.6043% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2672% | 597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 8.6235% | 6,220 |
| Net loans and leases to deposits | 10.3744% | 6,224 |
| Net loans and leases to core deposits | 11.6884% | 6,213 |
| Total domestic deposits to total assets | 83.1228% | 3,767 |
| Equity capital to assets | 16.3752% | 514 |
| Core capital (leverage) ratio | 16.7365% | 402 |
| Tier 1 risk-based capital ratio | 36.8523% | 308 |
| Total risk-based capital ratio | 37.3025% | 324 |
| Memoranda: | ||
| Average total assets | $128,052,750 | 3,970 |
| Average earning assets | $125,320,000 | 3,822 |
| Average equity | $21,381,250 | 3,060 |
| Average total loans | $11,531,500 | 6,058 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2857% | 6,221 |
| Cost of funding earning assets | 0.3044% | 4,352 |
| Net interest margin | 1.9813% | 6,212 |
| Noninterest income to average assets | 0.1891% | 5,559 |
| Noninterest expense to average assets | 1.2985% | 6,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7186% | 3,802 |
| Return on assets (ROA) | 0.7186% | 3,920 |
| Pretax return on assets | 0.8289% | 4,208 |
| Return on Equity (ROE) | 4.2752% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.6501% | 4,874 |
| Net charge-offs to loans | -0.0348% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0370% | 4,825 |
| Assets per employee ($millions) | 8.5434% | 433 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 8.4174% | 6,297 |
| Net loans and leases to deposits | 10.1593% | 6,298 |
| Net loans and leases to core deposits | 11.4869% | 6,285 |
| Total domestic deposits to total assets | 82.8546% | 4,003 |
| Equity capital to assets | 16.7030% | 448 |
| Core capital (leverage) ratio | 16.8220% | 379 |
| Tier 1 risk-based capital ratio | 38.0216% | 290 |
| Total risk-based capital ratio | 38.4870% | 304 |
| Memoranda: | ||
| Average total assets | $126,914,670 | 4,024 |
| Average earning assets | $124,161,670 | 3,877 |
| Average equity | $21,332,330 | 3,076 |
| Average total loans | $11,508,670 | 6,127 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3104% | 6,284 |
| Cost of funding earning assets | 0.3078% | 4,354 |
| Net interest margin | 2.0026% | 6,272 |
| Noninterest income to average assets | 0.2344% | 5,287 |
| Noninterest expense to average assets | 1.2859% | 6,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8203% | 3,157 |
| Return on assets (ROA) | 0.8203% | 3,284 |
| Pretax return on assets | 0.9058% | 3,865 |
| Return on Equity (ROE) | 4.8648% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.5169% | 4,428 |
| Net charge-offs to loans | -0.0341% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6705% | 5,260 |
| Assets per employee ($millions) | 8.3629% | 468 |
| Cash dividends to net income (ytd only)* | 48.2625% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2473% | 753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 9.0503% | 6,365 |
| Net loans and leases to deposits | 10.9724% | 6,368 |
| Net loans and leases to core deposits | 12.1028% | 6,358 |
| Total domestic deposits to total assets | 82.4822% | 4,356 |
| Equity capital to assets | 17.0299% | 420 |
| Core capital (leverage) ratio | 17.1172% | 349 |
| Tier 1 risk-based capital ratio | 37.9059% | 288 |
| Total risk-based capital ratio | 38.3690% | 301 |
| Memoranda: | ||
| Average total assets | $126,296,500 | 4,059 |
| Average earning assets | $123,439,500 | 3,918 |
| Average equity | $21,296,000 | 3,098 |
| Average total loans | $11,738,500 | 6,180 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3626% | 6,363 |
| Cost of funding earning assets | 0.3351% | 4,434 |
| Net interest margin | 2.0275% | 6,363 |
| Noninterest income to average assets | 0.1984% | 5,668 |
| Noninterest expense to average assets | 1.3591% | 6,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6878% | 3,957 |
| Return on assets (ROA) | 0.7120% | 3,937 |
| Pretax return on assets | 0.8480% | 4,087 |
| Return on Equity (ROE) | 4.2376% | 5,006 |
| Retained earnings to average equity (ytd only) | 2.0474% | 4,755 |
| Net charge-offs to loans | -0.0256% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3944% | 4,844 |
| Assets per employee ($millions) | 8.4765% | 440 |
| Cash dividends to net income (ytd only)* | 51.6854% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1917% | 832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 9.1256% | 6,456 |
| Net loans and leases to deposits | 11.0089% | 6,457 |
| Net loans and leases to core deposits | 12.3317% | 6,446 |
| Total domestic deposits to total assets | 82.8932% | 4,117 |
| Equity capital to assets | 16.6908% | 455 |
| Core capital (leverage) ratio | 16.8831% | 381 |
| Tier 1 risk-based capital ratio | 36.8738% | 289 |
| Total risk-based capital ratio | 37.3256% | 301 |
| Memoranda: | ||
| Average total assets | $125,006,200 | 4,083 |
| Average earning assets | $122,071,200 | 3,919 |
| Average equity | $21,002,600 | 3,056 |
| Average total loans | $11,701,400 | 6,263 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3771% | 6,444 |
| Cost of funding earning assets | 0.3400% | 4,457 |
| Net interest margin | 2.0370% | 6,440 |
| Noninterest income to average assets | 0.2057% | 5,698 |
| Noninterest expense to average assets | 1.3690% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6910% | 3,988 |
| Return on assets (ROA) | 0.6973% | 4,047 |
| Pretax return on assets | 0.8334% | 4,246 |
| Return on Equity (ROE) | 4.1435% | 5,116 |
| Retained earnings to average equity (ytd only) | 1.9158% | 5,098 |
| Net charge-offs to loans | -0.0343% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3719% | 4,833 |
| Assets per employee ($millions) | 8.3514% | 447 |
| Cash dividends to net income (ytd only)* | 53.7639% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0349% | 1,197 |
| Loan loss allowance to noncurrent loans | 2,590.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,164 |
| Noncurrent loans to loans | 0.0786% | 5,708 |
| Net loans and leases to total assets | 9.9536% | 6,533 |
| Net loans and leases to deposits | 12.0402% | 6,535 |
| Net loans and leases to core deposits | 13.4831% | 6,519 |
| Total domestic deposits to total assets | 82.6696% | 4,246 |
| Equity capital to assets | 16.8379% | 446 |
| Core capital (leverage) ratio | 17.0946% | 364 |
| Tier 1 risk-based capital ratio | 35.7903% | 331 |
| Total risk-based capital ratio | 36.2297% | 348 |
| Memoranda: | ||
| Average total assets | $124,470,750 | 4,132 |
| Average earning assets | $121,547,000 | 3,956 |
| Average equity | $20,947,750 | 3,069 |
| Average total loans | $11,661,000 | 6,332 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3896% | 6,509 |
| Cost of funding earning assets | 0.3418% | 4,520 |
| Net interest margin | 2.0478% | 6,507 |
| Noninterest income to average assets | 0.2190% | 5,641 |
| Noninterest expense to average assets | 1.4106% | 6,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6892% | 3,904 |
| Return on assets (ROA) | 0.6892% | 3,994 |
| Pretax return on assets | 0.8051% | 4,244 |
| Return on Equity (ROE) | 4.0958% | 5,102 |
| Retained earnings to average equity (ytd only) | 1.7034% | 5,052 |
| Net charge-offs to loans | -0.0354% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6628% | 4,746 |
| Assets per employee ($millions) | 8.1837% | 451 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 8.9641% | 6,604 |
| Net loans and leases to deposits | 10.8707% | 6,605 |
| Net loans and leases to core deposits | 12.3920% | 6,592 |
| Total domestic deposits to total assets | 82.4611% | 4,485 |
| Equity capital to assets | 17.0827% | 404 |
| Core capital (leverage) ratio | 16.7748% | 382 |
| Tier 1 risk-based capital ratio | 34.5344% | 361 |
| Total risk-based capital ratio | 34.9610% | 377 |
| Memoranda: | ||
| Average total assets | $124,204,000 | 4,154 |
| Average earning assets | $121,108,330 | 3,981 |
| Average equity | $20,899,330 | 3,072 |
| Average total loans | $11,305,330 | 6,400 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3540% | 6,586 |
| Cost of funding earning assets | 0.3377% | 4,667 |
| Net interest margin | 2.0163% | 6,586 |
| Noninterest income to average assets | 0.2401% | 5,439 |
| Noninterest expense to average assets | 1.3704% | 6,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7845% | 3,227 |
| Return on assets (ROA) | 0.7845% | 3,308 |
| Pretax return on assets | 0.8389% | 3,942 |
| Return on Equity (ROE) | 4.6971% | 4,689 |
| Retained earnings to average equity (ytd only) | 2.7799% | 4,420 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0290% | 5,113 |
| Assets per employee ($millions) | 8.4251% | 411 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2629% | 1,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 8.7832% | 6,674 |
| Net loans and leases to deposits | 10.5904% | 6,677 |
| Net loans and leases to core deposits | 12.0130% | 6,663 |
| Total domestic deposits to total assets | 82.9360% | 4,625 |
| Equity capital to assets | 16.5671% | 449 |
| Core capital (leverage) ratio | 17.0193% | 365 |
| Tier 1 risk-based capital ratio | 34.5392% | 364 |
| Total risk-based capital ratio | 34.9632% | 387 |
| Memoranda: | ||
| Average total assets | $124,928,000 | 4,166 |
| Average earning assets | $122,003,500 | 3,999 |
| Average equity | $20,864,000 | 3,071 |
| Average total loans | $11,326,500 | 6,467 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4849% | 6,619 |
| Cost of funding earning assets | 0.3497% | 5,139 |
| Net interest margin | 2.1352% | 6,602 |
| Noninterest income to average assets | 0.2042% | 5,860 |
| Noninterest expense to average assets | 1.3426% | 6,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7897% | 3,345 |
| Return on assets (ROA) | 0.8309% | 3,218 |
| Pretax return on assets | 0.9962% | 3,362 |
| Return on Equity (ROE) | 4.8676% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.7582% | 4,979 |
| Net charge-offs to loans | -0.0256% | 6,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6493% | 5,657 |
| Assets per employee ($millions) | 8.2319% | 425 |
| Cash dividends to net income (ytd only)* | 63.8806% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 1,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 8.9400% | 6,756 |
| Net loans and leases to deposits | 10.8083% | 6,755 |
| Net loans and leases to core deposits | 12.0994% | 6,743 |
| Total domestic deposits to total assets | 82.7137% | 4,637 |
| Equity capital to assets | 16.8377% | 415 |
| Core capital (leverage) ratio | 17.0955% | 363 |
| Tier 1 risk-based capital ratio | 33.2019% | 392 |
| Total risk-based capital ratio | 33.6123% | 413 |
| Memoranda: | ||
| Average total assets | $120,958,600 | 4,259 |
| Average earning assets | $118,114,200 | 4,083 |
| Average equity | $20,646,600 | 3,085 |
| Average total loans | $11,707,800 | 6,528 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5198% | 6,690 |
| Cost of funding earning assets | 0.3496% | 5,297 |
| Net interest margin | 2.1702% | 6,665 |
| Noninterest income to average assets | 0.2382% | 5,730 |
| Noninterest expense to average assets | 1.3441% | 6,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8278% | 3,210 |
| Return on assets (ROA) | 0.8787% | 3,058 |
| Pretax return on assets | 1.0748% | 3,211 |
| Return on Equity (ROE) | 5.1300% | 4,659 |
| Retained earnings to average equity (ytd only) | 2.3806% | 4,907 |
| Net charge-offs to loans | -0.0226% | 6,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0287% | 5,797 |
| Assets per employee ($millions) | 8.1799% | 433 |
| Cash dividends to net income (ytd only)* | 53.5936% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 1,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 9.3693% | 6,836 |
| Net loans and leases to deposits | 11.3545% | 6,836 |
| Net loans and leases to core deposits | 12.5181% | 6,825 |
| Total domestic deposits to total assets | 82.5157% | 4,752 |
| Equity capital to assets | 16.9488% | 425 |
| Core capital (leverage) ratio | 17.5275% | 334 |
| Tier 1 risk-based capital ratio | 32.8780% | 406 |
| Total risk-based capital ratio | 33.2827% | 434 |
| Memoranda: | ||
| Average total assets | $120,328,500 | 4,316 |
| Average earning assets | $117,467,500 | 4,136 |
| Average equity | $20,610,500 | 3,123 |
| Average total loans | $11,810,750 | 6,595 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5665% | 6,713 |
| Cost of funding earning assets | 0.3512% | 5,394 |
| Net interest margin | 2.2153% | 6,675 |
| Noninterest income to average assets | 0.2644% | 5,565 |
| Noninterest expense to average assets | 1.3468% | 6,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8819% | 2,888 |
| Return on assets (ROA) | 0.9587% | 2,671 |
| Pretax return on assets | 1.1745% | 2,787 |
| Return on Equity (ROE) | 5.5770% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.6571% | 4,615 |
| Net charge-offs to loans | -0.0169% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4790% | 6,025 |
| Assets per employee ($millions) | 7.7697% | 500 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2422% | 1,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 9.5396% | 6,882 |
| Net loans and leases to deposits | 11.6722% | 6,884 |
| Net loans and leases to core deposits | 12.8861% | 6,874 |
| Total domestic deposits to total assets | 81.7291% | 5,136 |
| Equity capital to assets | 17.7629% | 343 |
| Core capital (leverage) ratio | 17.3340% | 339 |
| Tier 1 risk-based capital ratio | 32.0251% | 439 |
| Total risk-based capital ratio | 32.4196% | 464 |
| Memoranda: | ||
| Average total assets | $119,538,330 | 4,361 |
| Average earning assets | $116,735,330 | 4,183 |
| Average equity | $20,548,670 | 3,151 |
| Average total loans | $11,830,330 | 6,637 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5702% | 6,791 |
| Cost of funding earning assets | 0.3488% | 5,548 |
| Net interest margin | 2.2214% | 6,747 |
| Noninterest income to average assets | 0.3371% | 5,000 |
| Noninterest expense to average assets | 1.3319% | 6,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9518% | 2,434 |
| Return on assets (ROA) | 0.9518% | 2,576 |
| Pretax return on assets | 1.1732% | 2,676 |
| Return on Equity (ROE) | 5.6272% | 4,246 |
| Retained earnings to average equity (ytd only) | 1.7194% | 5,120 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1662% | 6,284 |
| Assets per employee ($millions) | 7.9987% | 489 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 1,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 9.6032% | 6,956 |
| Net loans and leases to deposits | 11.6655% | 6,960 |
| Net loans and leases to core deposits | 12.8310% | 6,946 |
| Total domestic deposits to total assets | 82.3214% | 5,089 |
| Equity capital to assets | 17.0994% | 416 |
| Core capital (leverage) ratio | 17.2463% | 334 |
| Tier 1 risk-based capital ratio | 30.6058% | 508 |
| Total risk-based capital ratio | 30.9847% | 537 |
| Memoranda: | ||
| Average total assets | $121,034,500 | 4,372 |
| Average earning assets | $118,124,000 | 4,193 |
| Average equity | $20,472,000 | 3,199 |
| Average total loans | $12,059,000 | 6,694 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7541% | 6,867 |
| Cost of funding earning assets | 0.4095% | 5,851 |
| Net interest margin | 2.3445% | 6,815 |
| Noninterest income to average assets | 0.2016% | 5,973 |
| Noninterest expense to average assets | 1.3667% | 6,922 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8779% | 2,920 |
| Return on assets (ROA) | 0.9398% | 2,849 |
| Pretax return on assets | 1.1762% | 2,882 |
| Return on Equity (ROE) | 5.5223% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.7482% | 3,576 |
| Net charge-offs to loans | -0.0250% | 6,587 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4329% | 6,124 |
| Assets per employee ($millions) | 8.1392% | 475 |
| Cash dividends to net income (ytd only)* | 32.1267% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0580% | 1,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 9.9011% | 7,016 |
| Net loans and leases to deposits | 11.9586% | 7,017 |
| Net loans and leases to core deposits | 12.8102% | 7,005 |
| Total domestic deposits to total assets | 82.7944% | 4,801 |
| Equity capital to assets | 16.7322% | 445 |
| Core capital (leverage) ratio | 17.5772% | 311 |
| Tier 1 risk-based capital ratio | 30.0438% | 514 |
| Total risk-based capital ratio | 30.4174% | 540 |
| Memoranda: | ||
| Average total assets | $117,582,600 | 4,410 |
| Average earning assets | $113,541,200 | 4,262 |
| Average equity | $20,009,800 | 3,203 |
| Average total loans | $12,000,400 | 6,780 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8104% | 6,969 |
| Cost of funding earning assets | 0.4274% | 5,946 |
| Net interest margin | 2.3830% | 6,905 |
| Noninterest income to average assets | 0.2129% | 6,017 |
| Noninterest expense to average assets | 1.3613% | 7,012 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9071% | 2,952 |
| Return on assets (ROA) | 0.9560% | 2,941 |
| Pretax return on assets | 1.2113% | 2,950 |
| Return on Equity (ROE) | 5.5930% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.9520% | 4,102 |
| Net charge-offs to loans | -0.0336% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2180% | 6,229 |
| Assets per employee ($millions) | 7.6348% | 553 |
| Cash dividends to net income (ytd only)* | 29.3413% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0857% | 1,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 10.3709% | 7,113 |
| Net loans and leases to deposits | 12.6896% | 7,119 |
| Net loans and leases to core deposits | 14.1060% | 7,107 |
| Total domestic deposits to total assets | 81.7275% | 5,116 |
| Equity capital to assets | 17.6979% | 384 |
| Core capital (leverage) ratio | 17.5459% | 328 |
| Tier 1 risk-based capital ratio | 28.8582% | 595 |
| Total risk-based capital ratio | 29.2185% | 648 |
| Memoranda: | ||
| Average total assets | $116,456,250 | 4,475 |
| Average earning assets | $112,293,500 | 4,336 |
| Average equity | $19,905,250 | 3,251 |
| Average total loans | $11,915,000 | 6,874 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8241% | 7,036 |
| Cost of funding earning assets | 0.4425% | 6,016 |
| Net interest margin | 2.3815% | 6,969 |
| Noninterest income to average assets | 0.2220% | 5,986 |
| Noninterest expense to average assets | 1.3476% | 7,077 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9172% | 2,820 |
| Return on assets (ROA) | 0.9172% | 3,086 |
| Pretax return on assets | 1.1631% | 3,067 |
| Return on Equity (ROE) | 5.4285% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.9518% | 4,671 |
| Net charge-offs to loans | -0.0338% | 6,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6735% | 6,346 |
| Assets per employee ($millions) | 8.2894% | 416 |
| Cash dividends to net income (ytd only)* | 45.6238% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0953% | 2,012 |
| 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 | 10.1463% | 7,181 |
| Net loans and leases to deposits | 12.3262% | 7,182 |
| Net loans and leases to core deposits | 13.8709% | 7,173 |
| Total domestic deposits to total assets | 82.3148% | 5,011 |
| Equity capital to assets | 17.2087% | 424 |
| Core capital (leverage) ratio | 17.1808% | 346 |
| Tier 1 risk-based capital ratio | 28.0851% | 636 |
| Total risk-based capital ratio | 28.4394% | 690 |
| Memoranda: | ||
| Average total assets | $117,101,000 | 4,478 |
| Average earning assets | $112,533,000 | 4,348 |
| Average equity | $19,784,330 | 3,255 |
| Average total loans | $11,843,330 | 6,935 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8201% | 7,103 |
| Cost of funding earning assets | 0.4569% | 6,105 |
| Net interest margin | 2.3632% | 7,033 |
| Noninterest income to average assets | 0.2516% | 5,843 |
| Noninterest expense to average assets | 1.3228% | 7,160 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9182% | 2,835 |
| Return on assets (ROA) | 0.9182% | 3,050 |
| Pretax return on assets | 1.1800% | 2,984 |
| Return on Equity (ROE) | 5.4847% | 4,553 |
| Retained earnings to average equity (ytd only) | 0.5078% | 5,838 |
| Net charge-offs to loans | -0.0340% | 6,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8533% | 6,456 |
| Assets per employee ($millions) | 7.8139% | 531 |
| Cash dividends to net income (ytd only)* | 90.7407% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1471% | 1,995 |
| 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 | 9.7596% | 7,240 |
| Net loans and leases to deposits | 11.8235% | 7,242 |
| Net loans and leases to core deposits | 13.2820% | 7,234 |
| Total domestic deposits to total assets | 82.5439% | 5,106 |
| Equity capital to assets | 16.8111% | 458 |
| Core capital (leverage) ratio | 16.9484% | 358 |
| Tier 1 risk-based capital ratio | 29.5909% | 543 |
| Total risk-based capital ratio | 29.9679% | 577 |
| Memoranda: | ||
| Average total assets | $117,625,500 | 4,504 |
| Average earning assets | $112,051,000 | 4,384 |
| Average equity | $19,691,000 | 3,265 |
| Average total loans | $11,751,500 | 6,996 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 7,098 |
| Cost of funding earning assets | 0.5920% | 6,123 |
| Net interest margin | 2.6779% | 6,942 |
| Noninterest income to average assets | 0.2337% | 5,864 |
| Noninterest expense to average assets | 1.4499% | 7,196 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9642% | 2,345 |
| Return on assets (ROA) | 0.9642% | 2,474 |
| Pretax return on assets | 1.2712% | 2,230 |
| Return on Equity (ROE) | 5.4699% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.3780% | 3,062 |
| Net charge-offs to loans | -0.0399% | 7,032 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2839% | 6,578 |
| Assets per employee ($millions) | 7.8695% | 497 |
| Cash dividends to net income (ytd only)* | 19.9620% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1163% | 1,958 |
| 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 | 9.7956% | 7,293 |
| Net loans and leases to deposits | 11.8325% | 7,294 |
| Net loans and leases to core deposits | 13.3527% | 7,283 |
| Total domestic deposits to total assets | 82.7851% | 4,842 |
| Equity capital to assets | 16.6702% | 493 |
| Core capital (leverage) ratio | 17.0296% | 361 |
| Tier 1 risk-based capital ratio | 34.3967% | 351 |
| Total risk-based capital ratio | 34.8337% | 368 |
| Memoranda: | ||
| Average total assets | $109,108,000 | 4,663 |
| Average earning assets | $101,348,400 | 4,601 |
| Average equity | $19,232,400 | 3,250 |
| Average total loans | $12,521,200 | 7,010 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3368% | 7,165 |
| Cost of funding earning assets | 0.6155% | 6,211 |
| Net interest margin | 2.7213% | 6,973 |
| Noninterest income to average assets | 0.2670% | 5,705 |
| Noninterest expense to average assets | 1.4821% | 7,239 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9731% | 2,422 |
| Return on assets (ROA) | 0.9731% | 2,590 |
| Pretax return on assets | 1.3112% | 2,251 |
| Return on Equity (ROE) | 5.4389% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.9746% | 3,888 |
| Net charge-offs to loans | -0.0420% | 7,018 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0594% | 6,588 |
| Assets per employee ($millions) | 7.6591% | 544 |
| Cash dividends to net income (ytd only)* | 26.9229% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 11.0745% | 7,358 |
| Net loans and leases to deposits | 13.4226% | 7,363 |
| Net loans and leases to core deposits | 14.8524% | 7,352 |
| Total domestic deposits to total assets | 82.5061% | 4,877 |
| Equity capital to assets | 16.8915% | 493 |
| Core capital (leverage) ratio | 17.6778% | 352 |
| Tier 1 risk-based capital ratio | 33.0208% | 418 |
| Total risk-based capital ratio | 33.4445% | 440 |
| Memoranda: | ||
| Average total assets | $106,874,250 | 4,738 |
| Average earning assets | $99,213,500 | 4,689 |
| Average equity | $19,121,000 | 3,265 |
| Average total loans | $12,698,250 | 7,070 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 7,212 |
| Cost of funding earning assets | 0.6331% | 6,305 |
| Net interest margin | 2.7751% | 6,957 |
| Noninterest income to average assets | 0.2841% | 5,609 |
| Noninterest expense to average assets | 1.4913% | 7,313 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0153% | 2,164 |
| Return on assets (ROA) | 1.0153% | 2,260 |
| Pretax return on assets | 1.3838% | 1,849 |
| Return on Equity (ROE) | 5.5608% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.3533% | 4,125 |
| Net charge-offs to loans | -0.0476% | 7,019 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8692% | 6,796 |
| Assets per employee ($millions) | 7.0363% | 711 |
| Cash dividends to net income (ytd only)* | 39.6975% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9402% | 2,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 11.8756% | 7,432 |
| Net loans and leases to deposits | 14.6087% | 7,437 |
| Net loans and leases to core deposits | 15.5130% | 7,429 |
| Total domestic deposits to total assets | 81.2912% | 5,428 |
| Equity capital to assets | 18.1488% | 374 |
| Core capital (leverage) ratio | 18.2733% | 306 |
| Tier 1 risk-based capital ratio | 33.6064% | 397 |
| Total risk-based capital ratio | 34.0415% | 416 |
| Memoranda: | ||
| Average total assets | $104,203,670 | 4,851 |
| Average earning assets | $97,295,000 | 4,780 |
| Average equity | $19,026,000 | 3,263 |
| Average total loans | $12,607,000 | 7,140 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3083% | 7,307 |
| Cost of funding earning assets | 0.6353% | 6,450 |
| Net interest margin | 2.6730% | 7,045 |
| Noninterest income to average assets | 0.3284% | 5,280 |
| Noninterest expense to average assets | 1.5068% | 7,355 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9697% | 2,283 |
| Return on assets (ROA) | 0.9697% | 2,347 |
| Pretax return on assets | 1.3252% | 1,962 |
| Return on Equity (ROE) | 5.2949% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.2949% | 3,012 |
| Net charge-offs to loans | -0.0320% | 6,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2060% | 6,768 |
| Assets per employee ($millions) | 7.0749% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 11.8220% | 7,490 |
| Net loans and leases to deposits | 14.5397% | 7,496 |
| Net loans and leases to core deposits | 15.3024% | 7,485 |
| Total domestic deposits to total assets | 81.3087% | 5,569 |
| Equity capital to assets | 17.9856% | 369 |
| Core capital (leverage) ratio | 18.5613% | 294 |
| Tier 1 risk-based capital ratio | 32.8305% | 408 |
| Total risk-based capital ratio | 33.2536% | 427 |
| Memoranda: | ||
| Average total assets | $103,533,500 | 4,904 |
| Average earning assets | $96,969,500 | 4,821 |
| Average equity | $18,961,500 | 3,263 |
| Average total loans | $12,519,500 | 7,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 7,407 |
| Cost of funding earning assets | 0.6613% | 6,980 |
| Net interest margin | 2.7727% | 7,063 |
| Noninterest income to average assets | 0.2996% | 5,650 |
| Noninterest expense to average assets | 1.5433% | 7,428 |
| Loan and lease loss provision to assets | -0.0516% | 7,592 |
| Net operating income to assets | 0.9875% | 2,078 |
| Return on assets (ROA) | 0.9875% | 2,187 |
| Pretax return on assets | 1.4110% | 1,631 |
| Return on Equity (ROE) | 5.1367% | 4,007 |
| Retained earnings to average equity (ytd only) | 2.3427% | 4,236 |
| Net charge-offs to loans | -0.0670% | 7,472 |
| Credit loss provision to net charge-offs | 625.0000% | 342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1673% | 6,878 |
| Assets per employee ($millions) | 6.7295% | 849 |
| Cash dividends to net income (ytd only)* | 54.3933% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 2,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 11.8899% | 7,579 |
| Net loans and leases to deposits | 14.7264% | 7,585 |
| Net loans and leases to core deposits | 15.5450% | 7,569 |
| Total domestic deposits to total assets | 80.7386% | 5,608 |
| Equity capital to assets | 18.6600% | 340 |
| Core capital (leverage) ratio | 18.9284% | 284 |
| Tier 1 risk-based capital ratio | 33.8874% | 377 |
| Total risk-based capital ratio | 34.3282% | 397 |
| Memoranda: | ||
| Average total assets | $96,808,400 | 5,083 |
| Average earning assets | $90,887,000 | 4,989 |
| Average equity | $18,611,200 | 3,332 |
| Average total loans | $11,948,000 | 7,309 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 7,547 |
| Cost of funding earning assets | 0.6633% | 7,147 |
| Net interest margin | 2.7850% | 7,147 |
| Noninterest income to average assets | 0.2965% | 5,763 |
| Noninterest expense to average assets | 1.5620% | 7,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9188% | 2,543 |
| Return on assets (ROA) | 0.9188% | 2,682 |
| Pretax return on assets | 1.3476% | 2,037 |
| Return on Equity (ROE) | 4.7425% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.4431% | 4,710 |
| Net charge-offs to loans | -0.0674% | 7,504 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6842% | 6,815 |
| Assets per employee ($millions) | 6.5854% | 930 |
| Cash dividends to net income (ytd only)* | 48.4852% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 1,671 |
| Loan loss allowance to noncurrent loans | 168.3908% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 6,915 |
| Noncurrent loans to loans | 1.3470% | 4,609 |
| Net loans and leases to total assets | 12.7808% | 7,678 |
| Net loans and leases to deposits | 15.8923% | 7,685 |
| Net loans and leases to core deposits | 16.7471% | 7,672 |
| Total domestic deposits to total assets | 80.4213% | 5,572 |
| Equity capital to assets | 18.9713% | 349 |
| Core capital (leverage) ratio | 19.0298% | 297 |
| Tier 1 risk-based capital ratio | 32.9182% | 409 |
| Total risk-based capital ratio | 33.4329% | 421 |
| Memoranda: | ||
| Average total assets | $95,774,750 | 5,166 |
| Average earning assets | $89,859,000 | 5,074 |
| Average equity | $18,555,000 | 3,380 |
| Average total loans | $11,873,250 | 7,406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4134% | 7,634 |
| Cost of funding earning assets | 0.6669% | 7,263 |
| Net interest margin | 2.7465% | 7,204 |
| Noninterest income to average assets | 0.3081% | 5,690 |
| Noninterest expense to average assets | 1.5764% | 7,579 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9539% | 2,349 |
| Return on assets (ROA) | 0.9539% | 2,438 |
| Pretax return on assets | 1.3042% | 2,071 |
| Return on Equity (ROE) | 4.8882% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.4275% | 5,162 |
| Net charge-offs to loans | -0.0694% | 7,499 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7253% | 6,793 |
| Assets per employee ($millions) | 6.6348% | 901 |
| Cash dividends to net income (ytd only)* | 70.7965% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2795% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 12.5349% | 7,746 |
| Net loans and leases to deposits | 15.5058% | 7,754 |
| Net loans and leases to core deposits | 16.2213% | 7,744 |
| Total domestic deposits to total assets | 80.8404% | 5,457 |
| Equity capital to assets | 18.6210% | 370 |
| Core capital (leverage) ratio | 19.4746% | 271 |
| Tier 1 risk-based capital ratio | 36.5170% | 312 |
| Total risk-based capital ratio | 37.0904% | 317 |
| Memoranda: | ||
| Average total assets | $94,772,670 | 5,224 |
| Average earning assets | $88,767,670 | 5,142 |
| Average equity | $18,493,330 | 3,376 |
| Average total loans | $11,525,000 | 7,478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 7,714 |
| Cost of funding earning assets | 0.6700% | 7,398 |
| Net interest margin | 2.7956% | 7,183 |
| Noninterest income to average assets | 0.3723% | 5,163 |
| Noninterest expense to average assets | 1.5801% | 7,669 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0953% | 1,840 |
| Return on assets (ROA) | 1.0953% | 1,925 |
| Pretax return on assets | 1.4113% | 1,740 |
| Return on Equity (ROE) | 5.4780% | 4,115 |
| Retained earnings to average equity (ytd only) | 3.2045% | 4,227 |
| Net charge-offs to loans | -0.0734% | 7,453 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8220% | 7,070 |
| Assets per employee ($millions) | 6.2234% | 1,128 |
| Cash dividends to net income (ytd only)* | 41.5020% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4589% | 1,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 12.2805% | 7,846 |
| Net loans and leases to deposits | 15.4618% | 7,856 |
| Net loans and leases to core deposits | 16.2548% | 7,842 |
| Total domestic deposits to total assets | 79.4250% | 5,984 |
| Equity capital to assets | 19.8691% | 295 |
| Core capital (leverage) ratio | 20.1438% | 241 |
| Tier 1 risk-based capital ratio | 38.2536% | 283 |
| Total risk-based capital ratio | 38.8496% | 290 |
| Memoranda: | ||
| Average total assets | $92,398,000 | 5,374 |
| Average earning assets | $86,564,000 | 5,287 |
| Average equity | $18,474,000 | 3,403 |
| Average total loans | $10,904,500 | 7,601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1140% | 7,868 |
| Cost of funding earning assets | 0.7953% | 7,559 |
| Net interest margin | 2.3187% | 7,578 |
| Noninterest income to average assets | 0.2766% | 6,127 |
| Noninterest expense to average assets | 1.5388% | 7,799 |
| Loan and lease loss provision to assets | -0.1098% | 7,987 |
| Net operating income to assets | 0.7200% | 2,855 |
| Return on assets (ROA) | 0.7200% | 2,930 |
| Pretax return on assets | 1.0460% | 2,431 |
| Return on Equity (ROE) | 3.5546% | 4,267 |
| Retained earnings to average equity (ytd only) | -0.0759% | 4,952 |
| Net charge-offs to loans | -0.6290% | 7,954 |
| Credit loss provision to net charge-offs | 147.0588% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1729% | 6,125 |
| Assets per employee ($millions) | 6.0963% | 1,186 |
| Cash dividends to net income (ytd only)* | 102.1341% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8540% | 876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 10.6829% | 7,929 |
| Net loans and leases to deposits | 13.4737% | 7,935 |
| Net loans and leases to core deposits | 16.3775% | 7,932 |
| Total domestic deposits to total assets | 79.2870% | 5,905 |
| Equity capital to assets | 20.1214% | 290 |
| Core capital (leverage) ratio | 20.1168% | 274 |
| Tier 1 risk-based capital ratio | 40.6414% | 241 |
| Total risk-based capital ratio | 41.2753% | 243 |
| Memoranda: | ||
| Average total assets | $91,110,600 | 5,359 |
| Average earning assets | $86,384,600 | 5,247 |
| Average equity | $18,454,800 | 3,432 |
| Average total loans | $10,810,400 | 7,664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9965% | 7,984 |
| Cost of funding earning assets | 0.8300% | 7,654 |
| Net interest margin | 2.1665% | 7,726 |
| Noninterest income to average assets | 0.3120% | 5,989 |
| Noninterest expense to average assets | 1.4501% | 7,908 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6225% | 3,527 |
| Return on assets (ROA) | 0.6225% | 3,579 |
| Pretax return on assets | 0.9228% | 3,155 |
| Return on Equity (ROE) | 3.0682% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.8302% | 4,835 |
| Net charge-offs to loans | -0.0970% | 7,921 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1111% | 6,253 |
| Assets per employee ($millions) | 5.5879% | 1,525 |
| Cash dividends to net income (ytd only)* | 72.9410% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0768% | 629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 11.5215% | 8,011 |
| Net loans and leases to deposits | 14.6417% | 8,017 |
| Net loans and leases to core deposits | 17.2520% | 8,011 |
| Total domestic deposits to total assets | 78.6896% | 5,897 |
| Equity capital to assets | 20.7243% | 292 |
| Core capital (leverage) ratio | 20.4356% | 287 |
| Tier 1 risk-based capital ratio | 42.2044% | 245 |
| Total risk-based capital ratio | 42.9492% | 249 |
| Memoranda: | ||
| Average total assets | $91,027,000 | 5,392 |
| Average earning assets | $86,588,250 | 5,285 |
| Average equity | $18,468,500 | 3,458 |
| Average total loans | $10,999,000 | 7,734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9168% | 8,082 |
| Cost of funding earning assets | 0.8755% | 7,724 |
| Net interest margin | 2.0413% | 7,839 |
| Noninterest income to average assets | 0.3320% | 5,856 |
| Noninterest expense to average assets | 1.4656% | 7,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5526% | 3,867 |
| Return on assets (ROA) | 0.5526% | 3,986 |
| Pretax return on assets | 0.8169% | 3,614 |
| Return on Equity (ROE) | 2.7428% | 4,999 |
| Retained earnings to average equity (ytd only) | 0.0325% | 5,188 |
| Net charge-offs to loans | -0.1079% | 7,963 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2105% | 5,872 |
| Assets per employee ($millions) | 5.7194% | 1,404 |
| Cash dividends to net income (ytd only)* | 98.8142% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9484% | 592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 11.6905% | 8,096 |
| Net loans and leases to deposits | 14.7410% | 8,108 |
| Net loans and leases to core deposits | 17.7257% | 8,100 |
| Total domestic deposits to total assets | 79.3061% | 5,717 |
| Equity capital to assets | 20.1257% | 375 |
| Core capital (leverage) ratio | 20.1691% | 353 |
| Tier 1 risk-based capital ratio | 42.9171% | 256 |
| Total risk-based capital ratio | 43.6744% | 258 |
| Memoranda: | ||
| Average total assets | $91,567,000 | 5,421 |
| Average earning assets | $87,492,000 | 5,280 |
| Average equity | $18,448,330 | 3,476 |
| Average total loans | $11,122,670 | 7,807 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8578% | 8,147 |
| Cost of funding earning assets | 0.9451% | 7,755 |
| Net interest margin | 1.9127% | 7,939 |
| Noninterest income to average assets | 0.4105% | 5,129 |
| Noninterest expense to average assets | 1.4280% | 8,030 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6551% | 3,775 |
| Return on assets (ROA) | 0.6551% | 3,956 |
| Pretax return on assets | 0.8297% | 3,975 |
| Return on Equity (ROE) | 3.2496% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.1664% | 4,667 |
| Net charge-offs to loans | -0.1432% | 7,965 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2495% | 5,825 |
| Assets per employee ($millions) | 5.7443% | 1,366 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9239% | 514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 11.6682% | 8,151 |
| Net loans and leases to deposits | 14.7190% | 8,163 |
| Net loans and leases to core deposits | 17.8205% | 8,153 |
| Total domestic deposits to total assets | 79.2728% | 5,616 |
| Equity capital to assets | 20.1441% | 409 |
| Core capital (leverage) ratio | 20.1568% | 390 |
| Tier 1 risk-based capital ratio | 54.2551% | 168 |
| Total risk-based capital ratio | 55.2016% | 168 |
| Memoranda: | ||
| Average total assets | $91,595,500 | 5,436 |
| Average earning assets | $88,460,500 | 5,273 |
| Average equity | $18,464,000 | 3,489 |
| Average total loans | $11,172,500 | 7,850 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 8,097 |
| Cost of funding earning assets | 1.5206% | 7,575 |
| Net interest margin | 2.5445% | 7,702 |
| Noninterest income to average assets | 0.3656% | 5,787 |
| Noninterest expense to average assets | 1.7115% | 7,854 |
| Loan and lease loss provision to assets | -0.0823% | 8,247 |
| Net operating income to assets | 0.8508% | 3,220 |
| Return on assets (ROA) | 0.8508% | 3,059 |
| Pretax return on assets | 1.1944% | 2,662 |
| Return on Equity (ROE) | 4.2105% | 4,732 |
| Retained earnings to average equity (ytd only) | -0.5487% | 5,457 |
| Net charge-offs to loans | -0.0876% | 8,076 |
| Credit loss provision to net charge-offs | 681.8182% | 621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6143% | 6,240 |
| Assets per employee ($millions) | 5.3696% | 1,559 |
| Cash dividends to net income (ytd only)* | 113.0323% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8235% | 509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 12.0274% | 8,207 |
| Net loans and leases to deposits | 15.1807% | 8,214 |
| Net loans and leases to core deposits | 18.3571% | 8,206 |
| Total domestic deposits to total assets | 79.2283% | 5,288 |
| Equity capital to assets | 20.1724% | 460 |
| Core capital (leverage) ratio | 20.1077% | 442 |
| Tier 1 risk-based capital ratio | 70.7034% | 118 |
| Total risk-based capital ratio | 71.9283% | 116 |
| Memoranda: | ||
| Average total assets | $91,091,000 | 5,316 |
| Average earning assets | $87,993,600 | 5,150 |
| Average equity | $18,406,400 | 3,494 |
| Average total loans | $12,556,200 | 7,800 |