Home > Northeast Missouri State Bank > Performance and Condition Ratios
Northeast Missouri State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 4,222 |
| Cost of funding earning assets | 1.2623% | 2,622 |
| Net interest margin | 2.4932% | 4,096 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.6719% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8629% | 2,658 |
| Return on assets (ROA) | 0.8629% | 2,634 |
| Pretax return on assets | 0.8629% | 3,057 |
| Return on Equity (ROE) | 11.9100% | 1,974 |
| Retained earnings to average equity (ytd only) | 3.8894% | 2,999 |
| Net charge-offs to loans | -0.0202% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.9568% | 2,363 |
| Assets per employee ($millions) | 9.0928% | 955 |
| Cash dividends to net income (ytd only)* | 67.3328% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,213 |
| Loan loss allowance to noncurrent loans | 3,280.0000% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,624 |
| Noncurrent loans to loans | 0.0441% | 3,406 |
| Net loans and leases to total assets | 40.9600% | 4,003 |
| Net loans and leases to deposits | 44.8035% | 4,078 |
| Net loans and leases to core deposits | 47.2805% | 4,139 |
| Total domestic deposits to total assets | 91.4300% | 404 |
| Equity capital to assets | 8.1456% | 3,318 |
| Core capital (leverage) ratio | 12.1106% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9361% | 484 |
| Memoranda: | ||
| Average total assets | $133,384,000 | 3,517 |
| Average earning assets | $124,298,800 | 3,502 |
| Average equity | $9,667,200 | 3,754 |
| Average total loans | $54,470,200 | 3,782 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 4,240 |
| Cost of funding earning assets | 1.1651% | 2,543 |
| Net interest margin | 2.5114% | 4,130 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.6858% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8685% | 2,799 |
| Return on assets (ROA) | 0.8685% | 2,787 |
| Pretax return on assets | 0.8685% | 3,179 |
| Return on Equity (ROE) | 12.3800% | 2,033 |
| Retained earnings to average equity (ytd only) | 4.8567% | 2,984 |
| Net charge-offs to loans | -0.0297% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.9976% | 2,276 |
| Assets per employee ($millions) | 8.7653% | 1,018 |
| Cash dividends to net income (ytd only)* | 60.7639% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 1,179 |
| Loan loss allowance to noncurrent loans | 494.5783% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 2,718 |
| Noncurrent loans to loans | 0.2982% | 2,163 |
| Net loans and leases to total assets | 41.7200% | 3,998 |
| Net loans and leases to deposits | 44.5113% | 4,094 |
| Net loans and leases to core deposits | 46.9303% | 4,110 |
| Total domestic deposits to total assets | 93.7300% | 213 |
| Equity capital to assets | 5.8526% | 4,037 |
| Core capital (leverage) ratio | 12.1440% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3766% | 899 |
| Memoranda: | ||
| Average total assets | $132,632,000 | 3,534 |
| Average earning assets | $123,593,000 | 3,513 |
| Average equity | $9,306,500 | 3,787 |
| Average total loans | $53,915,250 | 3,797 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 4,260 |
| Cost of funding earning assets | 1.0014% | 2,600 |
| Net interest margin | 2.5897% | 4,122 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.6705% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9638% | 2,536 |
| Return on assets (ROA) | 0.9638% | 2,527 |
| Pretax return on assets | 0.9638% | 3,009 |
| Return on Equity (ROE) | 13.0200% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.9124% | 2,656 |
| Net charge-offs to loans | -0.0450% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.4132% | 2,551 |
| Assets per employee ($millions) | 8.2729% | 1,200 |
| Cash dividends to net income (ytd only)* | 54.6022% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,162 |
| Loan loss allowance to noncurrent loans | 337.8601% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 2,276 |
| Noncurrent loans to loans | 0.4456% | 1,606 |
| Net loans and leases to total assets | 40.5800% | 4,020 |
| Net loans and leases to deposits | 44.0172% | 4,093 |
| Net loans and leases to core deposits | 46.2363% | 4,123 |
| Total domestic deposits to total assets | 92.1900% | 378 |
| Equity capital to assets | 7.4868% | 3,527 |
| Core capital (leverage) ratio | 12.0684% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1923% | 475 |
| Memoranda: | ||
| Average total assets | $133,016,000 | 3,539 |
| Average earning assets | $124,029,667 | 3,516 |
| Average equity | $9,843,667 | 3,762 |
| Average total loans | $53,328,667 | 3,813 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4927% | 4,277 |
| Cost of funding earning assets | 0.9061% | 2,350 |
| Net interest margin | 2.5866% | 4,219 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.6679% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9569% | 2,665 |
| Return on assets (ROA) | 0.9569% | 2,629 |
| Pretax return on assets | 0.9569% | 3,106 |
| Return on Equity (ROE) | 13.0100% | 1,984 |
| Retained earnings to average equity (ytd only) | 13.0065% | 1,095 |
| Net charge-offs to loans | -0.0228% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.5429% | 2,518 |
| Assets per employee ($millions) | 8.8591% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,113 |
| Loan loss allowance to noncurrent loans | 81,200.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,939 |
| Noncurrent loans to loans | 0.0019% | 3,855 |
| Net loans and leases to total assets | 38.7500% | 4,090 |
| Net loans and leases to deposits | 42.1441% | 4,161 |
| Net loans and leases to core deposits | 42.9839% | 4,200 |
| Total domestic deposits to total assets | 91.9400% | 532 |
| Equity capital to assets | 7.8616% | 3,337 |
| Core capital (leverage) ratio | 12.0869% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7798% | 448 |
| Memoranda: | ||
| Average total assets | $133,341,000 | 3,583 |
| Average earning assets | $124,489,000 | 3,556 |
| Average equity | $9,810,500 | 3,810 |
| Average total loans | $52,724,500 | 3,868 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1801% | 3,850 |
| Cost of funding earning assets | 0.3627% | 2,383 |
| Net interest margin | 2.8174% | 3,856 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.5415% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2960% | 1,448 |
| Return on assets (ROA) | 1.3142% | 1,341 |
| Pretax return on assets | 1.3142% | 2,041 |
| Return on Equity (ROE) | 15.8600% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.1727% | 2,165 |
| Net charge-offs to loans | 0.0453% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 77.0870% | 1,109 |
| Efficiency ratio | 54.3277% | 3,770 |
| Assets per employee ($millions) | 8.9197% | 943 |
| Cash dividends to net income (ytd only)* | 54.7831% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,138 |
| Loan loss allowance to noncurrent loans | 80,900.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,956 |
| Noncurrent loans to loans | 0.0019% | 3,879 |
| Net loans and leases to total assets | 39.1200% | 4,098 |
| Net loans and leases to deposits | 44.0307% | 4,115 |
| Net loans and leases to core deposits | 44.9298% | 4,152 |
| Total domestic deposits to total assets | 88.8500% | 1,761 |
| Equity capital to assets | 6.8567% | 3,740 |
| Core capital (leverage) ratio | 11.9531% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7378% | 496 |
| Memoranda: | ||
| Average total assets | $136,810,800 | 3,566 |
| Average earning assets | $127,637,400 | 3,550 |
| Average equity | $11,334,600 | 3,732 |
| Average total loans | $50,795,800 | 3,878 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0995% | 3,679 |
| Cost of funding earning assets | 0.3105% | 2,057 |
| Net interest margin | 2.7890% | 3,760 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.5343% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2755% | 1,441 |
| Return on assets (ROA) | 1.2997% | 1,317 |
| Pretax return on assets | 1.2997% | 2,048 |
| Return on Equity (ROE) | 15.0600% | 1,158 |
| Retained earnings to average equity (ytd only) | 6.2428% | 2,658 |
| Net charge-offs to loans | 0.0425% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 82.2500% | 1,031 |
| Efficiency ratio | 54.6050% | 3,768 |
| Assets per employee ($millions) | 8.8306% | 959 |
| Cash dividends to net income (ytd only)* | 58.5384% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,133 |
| Loan loss allowance to noncurrent loans | 16,320.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,982 |
| Noncurrent loans to loans | 0.0096% | 3,879 |
| Net loans and leases to total assets | 38.7100% | 4,117 |
| Net loans and leases to deposits | 41.3414% | 4,198 |
| Net loans and leases to core deposits | 42.1478% | 4,220 |
| Total domestic deposits to total assets | 93.6400% | 425 |
| Equity capital to assets | 5.4628% | 4,142 |
| Core capital (leverage) ratio | 11.3162% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6012% | 521 |
| Memoranda: | ||
| Average total assets | $137,564,500 | 3,579 |
| Average earning assets | $128,405,250 | 3,566 |
| Average equity | $11,874,750 | 3,723 |
| Average total loans | $50,207,250 | 3,909 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9799% | 3,607 |
| Cost of funding earning assets | 0.3067% | 1,668 |
| Net interest margin | 2.6732% | 3,758 |
| Noninterest income to average assets | 0.1953% | 4,022 |
| Noninterest expense to average assets | 1.5108% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1877% | 1,468 |
| Return on assets (ROA) | 1.2236% | 1,339 |
| Pretax return on assets | 1.2236% | 1,994 |
| Return on Equity (ROE) | 12.6965% | 1,466 |
| Retained earnings to average equity (ytd only) | 5.4690% | 2,530 |
| Net charge-offs to loans | 0.0645% | 770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 51.6875% | 1,147 |
| Efficiency ratio | 55.9872% | 3,772 |
| Assets per employee ($millions) | 9.9886% | 663 |
| Cash dividends to net income (ytd only)* | 56.9249% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,151 |
| Loan loss allowance to noncurrent loans | 11,657.1429% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,003 |
| Noncurrent loans to loans | 0.0137% | 3,868 |
| Net loans and leases to total assets | 35.8572% | 4,255 |
| Net loans and leases to deposits | 38.7666% | 4,305 |
| Net loans and leases to core deposits | 39.8748% | 4,324 |
| Total domestic deposits to total assets | 92.4950% | 656 |
| Equity capital to assets | 7.3512% | 3,563 |
| Core capital (leverage) ratio | 11.0168% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6368% | 493 |
| Memoranda: | ||
| Average total assets | $139,266,333 | 3,604 |
| Average earning assets | $130,407,667 | 3,592 |
| Average equity | $13,421,000 | 3,643 |
| Average total loans | $49,578,667 | 3,965 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8874% | 3,562 |
| Cost of funding earning assets | 0.3072% | 1,584 |
| Net interest margin | 2.5802% | 3,706 |
| Noninterest income to average assets | 0.1871% | 4,035 |
| Noninterest expense to average assets | 1.5254% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0793% | 1,584 |
| Return on assets (ROA) | 1.1513% | 1,376 |
| Pretax return on assets | 1.1513% | 1,975 |
| Return on Equity (ROE) | 10.6727% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.6727% | 856 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5635% | 3,625 |
| Assets per employee ($millions) | 9.3407% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 1,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 34.1444% | 4,302 |
| Net loans and leases to deposits | 37.6960% | 4,331 |
| Net loans and leases to core deposits | 38.8741% | 4,342 |
| Total domestic deposits to total assets | 90.5782% | 1,254 |
| Equity capital to assets | 9.2912% | 2,449 |
| Core capital (leverage) ratio | 10.9203% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3566% | 470 |
| Memoranda: | ||
| Average total assets | $138,979,000 | 3,629 |
| Average earning assets | $130,221,000 | 3,607 |
| Average equity | $14,991,500 | 3,565 |
| Average total loans | $48,888,500 | 3,990 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 3,189 |
| Cost of funding earning assets | 0.3626% | 1,831 |
| Net interest margin | 2.9447% | 3,337 |
| Noninterest income to average assets | 0.2257% | 4,026 |
| Noninterest expense to average assets | 1.5459% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4293% | 1,182 |
| Return on assets (ROA) | 1.5042% | 1,050 |
| Pretax return on assets | 1.5042% | 1,710 |
| Return on Equity (ROE) | 11.4079% | 2,012 |
| Retained earnings to average equity (ytd only) | 1.6428% | 4,080 |
| Net charge-offs to loans | 0.0040% | 2,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 943.5000% | 156 |
| Efficiency ratio | 51.9603% | 4,119 |
| Assets per employee ($millions) | 9.1898% | 863 |
| Cash dividends to net income (ytd only)* | 85.5992% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 1,061 |
| Loan loss allowance to noncurrent loans | 11,885.7143% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,122 |
| Noncurrent loans to loans | 0.0143% | 3,986 |
| Net loans and leases to total assets | 35.0193% | 4,330 |
| Net loans and leases to deposits | 39.9915% | 4,341 |
| Net loans and leases to core deposits | 41.1819% | 4,363 |
| Total domestic deposits to total assets | 87.5666% | 2,253 |
| Equity capital to assets | 12.3071% | 1,124 |
| Core capital (leverage) ratio | 10.7993% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1003% | 488 |
| Memoranda: | ||
| Average total assets | $132,026,600 | 3,658 |
| Average earning assets | $123,272,800 | 3,648 |
| Average equity | $17,409,000 | 3,433 |
| Average total loans | $50,085,400 | 3,994 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 3,439 |
| Cost of funding earning assets | 0.3733% | 1,909 |
| Net interest margin | 2.9075% | 3,536 |
| Noninterest income to average assets | 0.2287% | 4,033 |
| Noninterest expense to average assets | 1.5593% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3816% | 1,595 |
| Return on assets (ROA) | 1.4827% | 1,362 |
| Pretax return on assets | 1.4827% | 2,042 |
| Return on Equity (ROE) | 11.0500% | 2,357 |
| Retained earnings to average equity (ytd only) | -0.5555% | 4,621 |
| Net charge-offs to loans | 0.0053% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 676.5000% | 237 |
| Efficiency ratio | 53.0208% | 3,920 |
| Assets per employee ($millions) | 9.6915% | 715 |
| Cash dividends to net income (ytd only)* | 105.0275% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 1,105 |
| Loan loss allowance to noncurrent loans | 11,885.7143% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,221 |
| Noncurrent loans to loans | 0.0143% | 4,101 |
| Net loans and leases to total assets | 35.4346% | 4,414 |
| Net loans and leases to deposits | 40.6380% | 4,429 |
| Net loans and leases to core deposits | 41.6224% | 4,460 |
| Total domestic deposits to total assets | 87.1957% | 2,270 |
| Equity capital to assets | 12.5869% | 1,143 |
| Core capital (leverage) ratio | 10.5700% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1677% | 527 |
| Memoranda: | ||
| Average total assets | $130,571,500 | 3,705 |
| Average earning assets | $121,798,500 | 3,700 |
| Average equity | $17,520,000 | 3,467 |
| Average total loans | $50,330,500 | 4,046 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2394% | 3,589 |
| Cost of funding earning assets | 0.3866% | 1,997 |
| Net interest margin | 2.8528% | 3,673 |
| Noninterest income to average assets | 0.2266% | 4,041 |
| Noninterest expense to average assets | 1.5675% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3161% | 1,816 |
| Return on assets (ROA) | 1.4433% | 1,503 |
| Pretax return on assets | 1.4433% | 2,202 |
| Return on Equity (ROE) | 10.5279% | 2,578 |
| Retained earnings to average equity (ytd only) | 6.5658% | 2,596 |
| Net charge-offs to loans | 0.0039% | 2,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 848.0000% | 160 |
| Efficiency ratio | 54.3595% | 3,753 |
| Assets per employee ($millions) | 9.0301% | 852 |
| Cash dividends to net income (ytd only)* | 37.6344% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,210 |
| 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 | 37.1106% | 4,421 |
| Net loans and leases to deposits | 42.8008% | 4,432 |
| Net loans and leases to core deposits | 43.6911% | 4,463 |
| Total domestic deposits to total assets | 86.7053% | 2,470 |
| Equity capital to assets | 13.0976% | 917 |
| Core capital (leverage) ratio | 11.2375% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9686% | 485 |
| Memoranda: | ||
| Average total assets | $128,868,333 | 3,737 |
| Average earning assets | $120,023,667 | 3,730 |
| Average equity | $17,667,333 | 3,458 |
| Average total loans | $50,804,000 | 4,064 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 3,745 |
| Cost of funding earning assets | 0.4150% | 1,977 |
| Net interest margin | 2.7506% | 3,866 |
| Noninterest income to average assets | 0.2389% | 3,962 |
| Noninterest expense to average assets | 1.5895% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2040% | 2,128 |
| Return on assets (ROA) | 1.3792% | 1,698 |
| Pretax return on assets | 1.3792% | 2,339 |
| Return on Equity (ROE) | 9.8239% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.8239% | 1,703 |
| Net charge-offs to loans | 0.0158% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 415 |
| Efficiency ratio | 56.8985% | 3,438 |
| Assets per employee ($millions) | 8.7048% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 1,242 |
| 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 | 38.7480% | 4,392 |
| Net loans and leases to deposits | 44.8524% | 4,397 |
| Net loans and leases to core deposits | 45.8229% | 4,447 |
| Total domestic deposits to total assets | 86.3899% | 2,579 |
| Equity capital to assets | 13.4294% | 800 |
| Core capital (leverage) ratio | 12.0287% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6377% | 429 |
| Memoranda: | ||
| Average total assets | $125,576,500 | 3,793 |
| Average earning assets | $116,627,500 | 3,778 |
| Average equity | $17,630,500 | 3,458 |
| Average total loans | $50,656,000 | 4,085 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 3,434 |
| Cost of funding earning assets | 0.6272% | 2,136 |
| Net interest margin | 3.1267% | 3,562 |
| Noninterest income to average assets | 0.2388% | 4,071 |
| Noninterest expense to average assets | 1.7426% | 4,555 |
| Loan and lease loss provision to assets | 0.0388% | 3,922 |
| Net operating income to assets | 1.3417% | 1,144 |
| Return on assets (ROA) | 1.4710% | 954 |
| Pretax return on assets | 1.4710% | 1,436 |
| Return on Equity (ROE) | 9.6409% | 2,147 |
| Retained earnings to average equity (ytd only) | -3.2155% | 4,774 |
| Net charge-offs to loans | 0.0136% | 2,854 |
| Credit loss provision to net charge-offs | 642.8571% | 1,059 |
| Earnings coverage of net charge-offs (x) | 228.7143% | 430 |
| Efficiency ratio | 55.7979% | 4,010 |
| Assets per employee ($millions) | 7.5363% | 1,255 |
| Cash dividends to net income (ytd only)* | 133.3529% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,192 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 40.6797% | 4,415 |
| Net loans and leases to deposits | 47.8113% | 4,396 |
| Net loans and leases to core deposits | 49.0702% | 4,455 |
| Total domestic deposits to total assets | 85.0839% | 2,729 |
| Equity capital to assets | 14.7005% | 630 |
| Core capital (leverage) ratio | 12.0670% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3796% | 370 |
| Memoranda: | ||
| Average total assets | $115,976,000 | 3,799 |
| Average earning assets | $106,982,800 | 3,814 |
| Average equity | $17,695,400 | 3,398 |
| Average total loans | $51,370,400 | 4,089 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,235 |
| Cost of funding earning assets | 0.6633% | 2,244 |
| Net interest margin | 3.2412% | 3,361 |
| Noninterest income to average assets | 0.2357% | 4,087 |
| Noninterest expense to average assets | 1.7708% | 4,541 |
| Loan and lease loss provision to assets | 0.0523% | 3,702 |
| Net operating income to assets | 1.4027% | 1,096 |
| Return on assets (ROA) | 1.5769% | 842 |
| Pretax return on assets | 1.5769% | 1,254 |
| Return on Equity (ROE) | 10.2366% | 1,941 |
| Retained earnings to average equity (ytd only) | -5.7816% | 4,861 |
| Net charge-offs to loans | 0.0180% | 2,498 |
| Credit loss provision to net charge-offs | 642.8571% | 1,125 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 524 |
| Efficiency ratio | 54.8956% | 4,052 |
| Assets per employee ($millions) | 7.2929% | 1,326 |
| Cash dividends to net income (ytd only)* | 156.4801% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 1,004 |
| Loan loss allowance to noncurrent loans | 2,034.1463% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,278 |
| Noncurrent loans to loans | 0.0806% | 4,046 |
| Net loans and leases to total assets | 42.9040% | 4,466 |
| Net loans and leases to deposits | 50.6464% | 4,468 |
| Net loans and leases to core deposits | 52.2753% | 4,519 |
| Total domestic deposits to total assets | 84.7128% | 2,545 |
| Equity capital to assets | 14.9881% | 639 |
| Core capital (leverage) ratio | 12.2145% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2136% | 393 |
| Memoranda: | ||
| Average total assets | $114,824,750 | 3,806 |
| Average earning assets | $105,926,250 | 3,822 |
| Average equity | $17,687,750 | 3,397 |
| Average total loans | $51,741,500 | 4,099 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,095 |
| Cost of funding earning assets | 0.7015% | 2,374 |
| Net interest margin | 3.3802% | 3,159 |
| Noninterest income to average assets | 0.2347% | 4,073 |
| Noninterest expense to average assets | 1.7845% | 4,581 |
| Loan and lease loss provision to assets | 0.0525% | 3,647 |
| Net operating income to assets | 1.5113% | 908 |
| Return on assets (ROA) | 1.7337% | 632 |
| Pretax return on assets | 1.7337% | 925 |
| Return on Equity (ROE) | 11.1524% | 1,586 |
| Retained earnings to average equity (ytd only) | -11.0961% | 4,935 |
| Net charge-offs to loans | 0.0269% | 2,186 |
| Credit loss provision to net charge-offs | 428.5714% | 1,343 |
| Earnings coverage of net charge-offs (x) | 127.5714% | 597 |
| Efficiency ratio | 53.2950% | 4,253 |
| Assets per employee ($millions) | 7.4259% | 1,215 |
| Cash dividends to net income (ytd only)* | 199.4949% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,089 |
| Loan loss allowance to noncurrent loans | 1,222.3881% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,244 |
| Noncurrent loans to loans | 0.1281% | 3,949 |
| Net loans and leases to total assets | 43.3425% | 4,485 |
| Net loans and leases to deposits | 50.8758% | 4,498 |
| Net loans and leases to core deposits | 52.4532% | 4,545 |
| Total domestic deposits to total assets | 85.1928% | 2,313 |
| Equity capital to assets | 14.5092% | 736 |
| Core capital (leverage) ratio | 12.0616% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8610% | 460 |
| Memoranda: | ||
| Average total assets | $114,204,333 | 3,799 |
| Average earning assets | $105,200,333 | 3,820 |
| Average equity | $17,754,000 | 3,391 |
| Average total loans | $52,023,000 | 4,101 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 3,139 |
| Cost of funding earning assets | 0.7516% | 2,659 |
| Net interest margin | 3.4711% | 3,078 |
| Noninterest income to average assets | 0.2538% | 4,027 |
| Noninterest expense to average assets | 1.8123% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6443% | 568 |
| Return on assets (ROA) | 1.6479% | 622 |
| Pretax return on assets | 1.6479% | 957 |
| Return on Equity (ROE) | 10.2379% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.2379% | 701 |
| Net charge-offs to loans | 0.0771% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 958 |
| Efficiency ratio | 52.4302% | 4,523 |
| Assets per employee ($millions) | 7.1242% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 1,321 |
| Loan loss allowance to noncurrent loans | 1,483.0189% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,376 |
| Noncurrent loans to loans | 0.1016% | 4,099 |
| Net loans and leases to total assets | 45.0867% | 4,467 |
| Net loans and leases to deposits | 53.9735% | 4,445 |
| Net loans and leases to core deposits | 55.7529% | 4,501 |
| Total domestic deposits to total assets | 83.5350% | 2,938 |
| Equity capital to assets | 16.1992% | 547 |
| Core capital (leverage) ratio | 14.0178% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,899,500 | 3,816 |
| Average earning assets | $103,251,500 | 3,833 |
| Average equity | $18,011,500 | 3,368 |
| Average total loans | $51,876,500 | 4,115 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 4,171 |
| Cost of funding earning assets | 0.7609% | 2,868 |
| Net interest margin | 3.2770% | 4,032 |
| Noninterest income to average assets | 0.2838% | 3,987 |
| Noninterest expense to average assets | 1.8200% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4800% | 1,101 |
| Return on assets (ROA) | 1.4745% | 1,173 |
| Pretax return on assets | 1.4745% | 1,887 |
| Return on Equity (ROE) | 9.6004% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.7002% | 2,027 |
| Net charge-offs to loans | 0.0080% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 401.5000% | 227 |
| Efficiency ratio | 55.1522% | 4,307 |
| Assets per employee ($millions) | 6.8633% | 1,099 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,109 |
| Loan loss allowance to noncurrent loans | 230.0578% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,158 |
| Noncurrent loans to loans | 0.6709% | 2,208 |
| Net loans and leases to total assets | 46.2408% | 4,511 |
| Net loans and leases to deposits | 55.2013% | 4,495 |
| Net loans and leases to core deposits | 57.0738% | 4,551 |
| Total domestic deposits to total assets | 83.7677% | 2,923 |
| Equity capital to assets | 15.9891% | 606 |
| Core capital (leverage) ratio | 13.6481% | 1,010 |
| Tier 1 risk-based capital ratio | 24.5286% | 785 |
| Total risk-based capital ratio | 25.7796% | 766 |
| Memoranda: | ||
| Average total assets | $108,514,000 | 3,851 |
| Average earning assets | $99,877,600 | 3,874 |
| Average equity | $16,666,000 | 3,469 |
| Average total loans | $49,704,800 | 4,190 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 4,263 |
| Cost of funding earning assets | 0.7530% | 2,955 |
| Net interest margin | 3.2948% | 4,096 |
| Noninterest income to average assets | 0.2837% | 4,042 |
| Noninterest expense to average assets | 1.8245% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4926% | 1,206 |
| Return on assets (ROA) | 1.4852% | 1,286 |
| Pretax return on assets | 1.4852% | 2,006 |
| Return on Equity (ROE) | 9.7628% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.7084% | 2,507 |
| Net charge-offs to loans | -0.0027% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0019% | 4,284 |
| Assets per employee ($millions) | 6.8931% | 1,068 |
| Cash dividends to net income (ytd only)* | 41.5283% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,035 |
| Loan loss allowance to noncurrent loans | 218.8525% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 3,211 |
| Noncurrent loans to loans | 0.7216% | 2,160 |
| Net loans and leases to total assets | 45.2625% | 4,641 |
| Net loans and leases to deposits | 53.9163% | 4,637 |
| Net loans and leases to core deposits | 55.7298% | 4,692 |
| Total domestic deposits to total assets | 83.9496% | 2,841 |
| Equity capital to assets | 15.7566% | 686 |
| Core capital (leverage) ratio | 13.7469% | 1,062 |
| Tier 1 risk-based capital ratio | 24.7493% | 780 |
| Total risk-based capital ratio | 26.0005% | 767 |
| Memoranda: | ||
| Average total assets | $108,084,500 | 3,899 |
| Average earning assets | $99,507,000 | 3,911 |
| Average equity | $16,443,000 | 3,523 |
| Average total loans | $49,237,500 | 4,250 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 4,264 |
| Cost of funding earning assets | 0.7335% | 2,979 |
| Net interest margin | 3.3220% | 4,092 |
| Noninterest income to average assets | 0.2776% | 4,079 |
| Noninterest expense to average assets | 1.8295% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5110% | 1,118 |
| Return on assets (ROA) | 1.4998% | 1,205 |
| Pretax return on assets | 1.4998% | 1,861 |
| Return on Equity (ROE) | 9.9806% | 2,398 |
| Retained earnings to average equity (ytd only) | 5.6412% | 2,455 |
| Net charge-offs to loans | -0.0041% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7685% | 4,384 |
| Assets per employee ($millions) | 6.7831% | 1,101 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 989 |
| Loan loss allowance to noncurrent loans | 510.1911% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,038 |
| Noncurrent loans to loans | 0.3174% | 3,396 |
| Net loans and leases to total assets | 44.8365% | 4,687 |
| Net loans and leases to deposits | 53.2787% | 4,708 |
| Net loans and leases to core deposits | 55.0844% | 4,743 |
| Total domestic deposits to total assets | 84.1546% | 2,796 |
| Equity capital to assets | 15.5736% | 694 |
| Core capital (leverage) ratio | 13.4974% | 1,120 |
| Tier 1 risk-based capital ratio | 24.6623% | 788 |
| Total risk-based capital ratio | 25.9135% | 767 |
| Memoranda: | ||
| Average total assets | $107,349,330 | 3,936 |
| Average earning assets | $98,975,330 | 3,943 |
| Average equity | $16,131,330 | 3,557 |
| Average total loans | $48,743,000 | 4,287 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 4,237 |
| Cost of funding earning assets | 0.6954% | 3,083 |
| Net interest margin | 3.3631% | 4,000 |
| Noninterest income to average assets | 0.2810% | 4,003 |
| Noninterest expense to average assets | 1.8397% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5399% | 1,031 |
| Return on assets (ROA) | 1.5174% | 1,100 |
| Pretax return on assets | 1.5174% | 1,708 |
| Return on Equity (ROE) | 10.2883% | 2,246 |
| Retained earnings to average equity (ytd only) | 10.2883% | 969 |
| Net charge-offs to loans | -0.0083% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4346% | 4,495 |
| Assets per employee ($millions) | 6.8734% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 929 |
| Loan loss allowance to noncurrent loans | 440.1099% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,986 |
| Noncurrent loans to loans | 0.3780% | 3,233 |
| Net loans and leases to total assets | 43.0474% | 4,786 |
| Net loans and leases to deposits | 50.6527% | 4,798 |
| Net loans and leases to core deposits | 52.3267% | 4,832 |
| Total domestic deposits to total assets | 84.9855% | 2,681 |
| Equity capital to assets | 14.7926% | 795 |
| Core capital (leverage) ratio | 13.6079% | 1,057 |
| Tier 1 risk-based capital ratio | 24.6565% | 789 |
| Total risk-based capital ratio | 25.9083% | 778 |
| Memoranda: | ||
| Average total assets | $106,759,000 | 3,988 |
| Average earning assets | $98,360,500 | 3,997 |
| Average equity | $15,746,000 | 3,607 |
| Average total loans | $48,383,500 | 4,341 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 4,272 |
| Cost of funding earning assets | 0.5415% | 3,102 |
| Net interest margin | 3.3596% | 4,107 |
| Noninterest income to average assets | 0.3181% | 3,983 |
| Noninterest expense to average assets | 1.8707% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5383% | 1,024 |
| Return on assets (ROA) | 1.5173% | 1,058 |
| Pretax return on assets | 1.5173% | 1,721 |
| Return on Equity (ROE) | 10.8269% | 2,157 |
| Retained earnings to average equity (ytd only) | 6.7489% | 1,786 |
| Net charge-offs to loans | 0.0504% | 2,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 67.2917% | 955 |
| Efficiency ratio | 54.8757% | 4,534 |
| Assets per employee ($millions) | 6.9029% | 1,014 |
| Cash dividends to net income (ytd only)* | 37.6648% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 934 |
| Loan loss allowance to noncurrent loans | 1,379.3103% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,566 |
| Noncurrent loans to loans | 0.1193% | 4,191 |
| Net loans and leases to total assets | 46.1881% | 4,731 |
| Net loans and leases to deposits | 54.3818% | 4,736 |
| Net loans and leases to core deposits | 55.7368% | 4,789 |
| Total domestic deposits to total assets | 84.9330% | 2,671 |
| Equity capital to assets | 14.7029% | 785 |
| Core capital (leverage) ratio | 13.5679% | 1,053 |
| Tier 1 risk-based capital ratio | 23.9976% | 831 |
| Total risk-based capital ratio | 25.2497% | 811 |
| Memoranda: | ||
| Average total assets | $104,988,000 | 4,016 |
| Average earning assets | $96,588,400 | 4,024 |
| Average equity | $14,713,400 | 3,670 |
| Average total loans | $47,596,400 | 4,362 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,299 |
| Cost of funding earning assets | 0.5165% | 3,086 |
| Net interest margin | 3.3442% | 4,171 |
| Noninterest income to average assets | 0.3227% | 3,988 |
| Noninterest expense to average assets | 1.8782% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5175% | 1,153 |
| Return on assets (ROA) | 1.4909% | 1,217 |
| Pretax return on assets | 1.4909% | 1,931 |
| Return on Equity (ROE) | 10.7682% | 2,281 |
| Retained earnings to average equity (ytd only) | 6.6547% | 2,307 |
| Net charge-offs to loans | 0.1042% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 32.4069% | 1,546 |
| Efficiency ratio | 55.3112% | 4,472 |
| Assets per employee ($millions) | 6.4467% | 1,216 |
| Cash dividends to net income (ytd only)* | 38.2006% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 965 |
| Loan loss allowance to noncurrent loans | 1,513.4615% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 4,714 |
| Noncurrent loans to loans | 0.1090% | 4,403 |
| Net loans and leases to total assets | 45.4778% | 4,822 |
| Net loans and leases to deposits | 53.0819% | 4,852 |
| Net loans and leases to core deposits | 54.3948% | 4,899 |
| Total domestic deposits to total assets | 85.6748% | 2,339 |
| Equity capital to assets | 14.1119% | 923 |
| Core capital (leverage) ratio | 13.3609% | 1,150 |
| Tier 1 risk-based capital ratio | 23.7144% | 868 |
| Total risk-based capital ratio | 24.9653% | 854 |
| Memoranda: | ||
| Average total assets | $105,349,000 | 4,047 |
| Average earning assets | $96,802,250 | 4,065 |
| Average equity | $14,585,750 | 3,713 |
| Average total loans | $47,339,250 | 4,410 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,302 |
| Cost of funding earning assets | 0.4886% | 3,104 |
| Net interest margin | 3.3301% | 4,163 |
| Noninterest income to average assets | 0.3299% | 3,983 |
| Noninterest expense to average assets | 1.8325% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5554% | 1,024 |
| Return on assets (ROA) | 1.5139% | 1,122 |
| Pretax return on assets | 1.5139% | 1,766 |
| Return on Equity (ROE) | 11.0033% | 2,115 |
| Retained earnings to average equity (ytd only) | 6.8925% | 2,115 |
| Net charge-offs to loans | 0.0042% | 3,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 825.0000% | 96 |
| Efficiency ratio | 54.0902% | 4,682 |
| Assets per employee ($millions) | 6.1891% | 1,335 |
| Cash dividends to net income (ytd only)* | 37.3599% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 825 |
| Loan loss allowance to noncurrent loans | 2,493.9394% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,874 |
| Noncurrent loans to loans | 0.0701% | 4,607 |
| Net loans and leases to total assets | 43.9652% | 4,903 |
| Net loans and leases to deposits | 51.1172% | 4,946 |
| Net loans and leases to core deposits | 52.3210% | 4,982 |
| Total domestic deposits to total assets | 86.0086% | 2,271 |
| Equity capital to assets | 13.8193% | 978 |
| Core capital (leverage) ratio | 12.9813% | 1,222 |
| Tier 1 risk-based capital ratio | 23.1708% | 917 |
| Total risk-based capital ratio | 24.4222% | 900 |
| Memoranda: | ||
| Average total assets | $106,083,000 | 4,075 |
| Average earning assets | $97,415,330 | 4,085 |
| Average equity | $14,595,670 | 3,732 |
| Average total loans | $47,220,330 | 4,455 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,334 |
| Cost of funding earning assets | 0.4452% | 3,241 |
| Net interest margin | 3.3125% | 4,156 |
| Noninterest income to average assets | 0.3154% | 4,044 |
| Noninterest expense to average assets | 1.8889% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4721% | 1,144 |
| Return on assets (ROA) | 1.3894% | 1,379 |
| Pretax return on assets | 1.3894% | 2,045 |
| Return on Equity (ROE) | 10.1207% | 2,371 |
| Retained earnings to average equity (ytd only) | 10.1207% | 1,126 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2011% | 4,554 |
| Assets per employee ($millions) | 6.0118% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 840 |
| Loan loss allowance to noncurrent loans | 41,200.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,138 |
| Noncurrent loans to loans | 0.0043% | 5,006 |
| Net loans and leases to total assets | 42.4112% | 4,961 |
| Net loans and leases to deposits | 49.0924% | 5,004 |
| Net loans and leases to core deposits | 50.0726% | 5,041 |
| Total domestic deposits to total assets | 86.3906% | 2,365 |
| Equity capital to assets | 13.4301% | 1,059 |
| Core capital (leverage) ratio | 12.7670% | 1,265 |
| Tier 1 risk-based capital ratio | 23.1447% | 927 |
| Total risk-based capital ratio | 24.3966% | 900 |
| Memoranda: | ||
| Average total assets | $106,517,000 | 4,115 |
| Average earning assets | $97,932,000 | 4,129 |
| Average equity | $14,623,500 | 3,755 |
| Average total loans | $47,290,000 | 4,504 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 4,546 |
| Cost of funding earning assets | 0.4363% | 2,904 |
| Net interest margin | 3.1757% | 4,504 |
| Noninterest income to average assets | 0.3180% | 4,186 |
| Noninterest expense to average assets | 1.8516% | 5,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3972% | 1,027 |
| Return on assets (ROA) | 1.4282% | 972 |
| Pretax return on assets | 1.4282% | 1,896 |
| Return on Equity (ROE) | 10.4802% | 1,684 |
| Retained earnings to average equity (ytd only) | 4.9571% | 2,156 |
| Net charge-offs to loans | 0.0088% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 371.2500% | 235 |
| Efficiency ratio | 56.9939% | 4,656 |
| Assets per employee ($millions) | 5.5169% | 1,920 |
| Cash dividends to net income (ytd only)* | 52.7009% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 904 |
| Loan loss allowance to noncurrent loans | 2,575.0000% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,987 |
| Noncurrent loans to loans | 0.0669% | 4,695 |
| Net loans and leases to total assets | 44.8742% | 4,939 |
| Net loans and leases to deposits | 52.2819% | 4,971 |
| Net loans and leases to core deposits | 53.3643% | 5,023 |
| Total domestic deposits to total assets | 85.8312% | 2,517 |
| Equity capital to assets | 14.0371% | 898 |
| Core capital (leverage) ratio | 12.3677% | 1,414 |
| Tier 1 risk-based capital ratio | 22.1215% | 1,004 |
| Total risk-based capital ratio | 23.3729% | 981 |
| Memoranda: | ||
| Average total assets | $106,286,800 | 4,128 |
| Average earning assets | $98,088,800 | 4,128 |
| Average equity | $14,484,400 | 3,779 |
| Average total loans | $45,277,800 | 4,584 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,686 |
| Cost of funding earning assets | 0.4277% | 2,901 |
| Net interest margin | 3.1236% | 4,645 |
| Noninterest income to average assets | 0.3263% | 4,203 |
| Noninterest expense to average assets | 1.8477% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3639% | 1,174 |
| Return on assets (ROA) | 1.4051% | 1,099 |
| Pretax return on assets | 1.4051% | 2,100 |
| Return on Equity (ROE) | 10.3877% | 1,953 |
| Retained earnings to average equity (ytd only) | 4.3805% | 3,291 |
| Net charge-offs to loans | -0.0030% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5321% | 4,561 |
| Assets per employee ($millions) | 5.5640% | 1,866 |
| Cash dividends to net income (ytd only)* | 57.8295% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 942 |
| Loan loss allowance to noncurrent loans | 663.2000% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,653 |
| Noncurrent loans to loans | 0.2639% | 4,016 |
| Net loans and leases to total assets | 44.0189% | 5,025 |
| Net loans and leases to deposits | 51.4603% | 5,075 |
| Net loans and leases to core deposits | 52.5190% | 5,122 |
| Total domestic deposits to total assets | 85.5396% | 2,502 |
| Equity capital to assets | 14.0632% | 974 |
| Core capital (leverage) ratio | 12.1452% | 1,604 |
| Tier 1 risk-based capital ratio | 21.5213% | 1,111 |
| Total risk-based capital ratio | 22.7724% | 1,092 |
| Memoranda: | ||
| Average total assets | $106,653,000 | 4,165 |
| Average earning assets | $98,516,750 | 4,165 |
| Average equity | $14,427,000 | 3,828 |
| Average total loans | $44,631,750 | 4,648 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 4,790 |
| Cost of funding earning assets | 0.4194% | 2,900 |
| Net interest margin | 3.0694% | 4,747 |
| Noninterest income to average assets | 0.3347% | 4,150 |
| Noninterest expense to average assets | 1.8118% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3556% | 1,161 |
| Return on assets (ROA) | 1.4117% | 1,065 |
| Pretax return on assets | 1.4117% | 1,973 |
| Return on Equity (ROE) | 10.5740% | 1,804 |
| Retained earnings to average equity (ytd only) | 3.5713% | 3,578 |
| Net charge-offs to loans | -0.0046% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2019% | 4,680 |
| Assets per employee ($millions) | 5.6232% | 1,767 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 834 |
| Loan loss allowance to noncurrent loans | 11,842.8571% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,278 |
| Noncurrent loans to loans | 0.0154% | 5,112 |
| Net loans and leases to total assets | 41.6479% | 5,162 |
| Net loans and leases to deposits | 48.5531% | 5,188 |
| Net loans and leases to core deposits | 49.6896% | 5,237 |
| Total domestic deposits to total assets | 85.7779% | 2,484 |
| Equity capital to assets | 13.7644% | 1,058 |
| Core capital (leverage) ratio | 11.9548% | 1,656 |
| Tier 1 risk-based capital ratio | 21.6795% | 1,090 |
| Total risk-based capital ratio | 22.9306% | 1,068 |
| Memoranda: | ||
| Average total assets | $106,965,330 | 4,186 |
| Average earning assets | $98,717,670 | 4,190 |
| Average equity | $14,280,330 | 3,856 |
| Average total loans | $43,721,000 | 4,693 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 4,799 |
| Cost of funding earning assets | 0.4229% | 2,789 |
| Net interest margin | 3.0375% | 4,812 |
| Noninterest income to average assets | 0.3326% | 4,171 |
| Noninterest expense to average assets | 1.7566% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3679% | 1,066 |
| Return on assets (ROA) | 1.4165% | 995 |
| Pretax return on assets | 1.4165% | 1,834 |
| Return on Equity (ROE) | 10.7766% | 1,650 |
| Retained earnings to average equity (ytd only) | 7.9332% | 1,488 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2201% | 4,915 |
| Assets per employee ($millions) | 5.6675% | 1,754 |
| Cash dividends to net income (ytd only)* | 26.3852% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9630% | 719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 38.4016% | 5,308 |
| Net loans and leases to deposits | 44.3781% | 5,355 |
| Net loans and leases to core deposits | 45.2612% | 5,380 |
| Total domestic deposits to total assets | 86.5327% | 2,425 |
| Equity capital to assets | 13.3327% | 1,136 |
| Core capital (leverage) ratio | 11.9488% | 1,663 |
| Tier 1 risk-based capital ratio | 22.6965% | 1,014 |
| Total risk-based capital ratio | 23.9492% | 992 |
| Memoranda: | ||
| Average total assets | $107,027,500 | 4,227 |
| Average earning assets | $98,370,500 | 4,224 |
| Average equity | $14,067,500 | 3,910 |
| Average total loans | $42,918,500 | 4,755 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4446% | 4,894 |
| Cost of funding earning assets | 0.4440% | 2,583 |
| Net interest margin | 3.0006% | 4,960 |
| Noninterest income to average assets | 0.3722% | 4,083 |
| Noninterest expense to average assets | 1.8695% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2668% | 1,311 |
| Return on assets (ROA) | 1.3055% | 1,269 |
| Pretax return on assets | 1.3055% | 2,262 |
| Return on Equity (ROE) | 9.8420% | 2,029 |
| Retained earnings to average equity (ytd only) | 6.2812% | 1,571 |
| Net charge-offs to loans | -0.0913% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6084% | 4,641 |
| Assets per employee ($millions) | 5.5985% | 1,784 |
| Cash dividends to net income (ytd only)* | 36.1795% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 811 |
| Loan loss allowance to noncurrent loans | 8,280.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,370 |
| Noncurrent loans to loans | 0.0229% | 5,177 |
| Net loans and leases to total assets | 40.2634% | 5,302 |
| Net loans and leases to deposits | 46.3287% | 5,357 |
| Net loans and leases to core deposits | 47.2565% | 5,392 |
| Total domestic deposits to total assets | 86.9082% | 2,198 |
| Equity capital to assets | 12.9527% | 1,276 |
| Core capital (leverage) ratio | 11.4646% | 1,959 |
| Tier 1 risk-based capital ratio | 21.4545% | 1,144 |
| Total risk-based capital ratio | 22.7079% | 1,128 |
| Memoranda: | ||
| Average total assets | $105,858,200 | 4,241 |
| Average earning assets | $97,513,600 | 4,245 |
| Average equity | $14,041,800 | 3,936 |
| Average total loans | $42,702,400 | 4,793 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,921 |
| Cost of funding earning assets | 0.4444% | 2,606 |
| Net interest margin | 3.0071% | 4,999 |
| Noninterest income to average assets | 0.3834% | 4,039 |
| Noninterest expense to average assets | 1.8941% | 5,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2623% | 1,408 |
| Return on assets (ROA) | 1.3090% | 1,357 |
| Pretax return on assets | 1.3090% | 2,394 |
| Return on Equity (ROE) | 9.8100% | 2,136 |
| Retained earnings to average equity (ytd only) | 5.0846% | 2,764 |
| Net charge-offs to loans | -0.1444% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0080% | 4,539 |
| Assets per employee ($millions) | 5.6824% | 1,683 |
| Cash dividends to net income (ytd only)* | 48.1694% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 814 |
| Loan loss allowance to noncurrent loans | 2,879.3103% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,392 |
| Noncurrent loans to loans | 0.0670% | 5,081 |
| Net loans and leases to total assets | 39.2985% | 5,418 |
| Net loans and leases to deposits | 45.5565% | 5,465 |
| Net loans and leases to core deposits | 46.4609% | 5,495 |
| Total domestic deposits to total assets | 86.2633% | 2,234 |
| Equity capital to assets | 13.5080% | 1,243 |
| Core capital (leverage) ratio | 11.2524% | 2,230 |
| Tier 1 risk-based capital ratio | 21.0977% | 1,253 |
| Total risk-based capital ratio | 22.3499% | 1,230 |
| Memoranda: | ||
| Average total assets | $105,729,750 | 4,285 |
| Average earning assets | $97,499,500 | 4,282 |
| Average equity | $14,107,750 | 3,964 |
| Average total loans | $42,463,750 | 4,846 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 4,918 |
| Cost of funding earning assets | 0.4460% | 2,608 |
| Net interest margin | 3.0375% | 4,999 |
| Noninterest income to average assets | 0.3905% | 3,942 |
| Noninterest expense to average assets | 1.9089% | 5,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2840% | 1,320 |
| Return on assets (ROA) | 1.3450% | 1,249 |
| Pretax return on assets | 1.3450% | 2,224 |
| Return on Equity (ROE) | 10.1226% | 1,997 |
| Retained earnings to average equity (ytd only) | 4.3874% | 3,125 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7852% | 4,671 |
| Assets per employee ($millions) | 5.5423% | 1,751 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 977 |
| Loan loss allowance to noncurrent loans | 7,890.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 5,586 |
| Noncurrent loans to loans | 0.0235% | 5,378 |
| Net loans and leases to total assets | 39.6785% | 5,436 |
| Net loans and leases to deposits | 46.0673% | 5,496 |
| Net loans and leases to core deposits | 47.3376% | 5,519 |
| Total domestic deposits to total assets | 86.1316% | 2,358 |
| Equity capital to assets | 13.6415% | 1,164 |
| Core capital (leverage) ratio | 11.3236% | 2,123 |
| Tier 1 risk-based capital ratio | 20.4585% | 1,355 |
| Total risk-based capital ratio | 21.7110% | 1,333 |
| Memoranda: | ||
| Average total assets | $104,984,330 | 4,333 |
| Average earning assets | $96,856,670 | 4,329 |
| Average equity | $13,949,000 | 3,999 |
| Average total loans | $42,197,000 | 4,896 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,893 |
| Cost of funding earning assets | 0.4457% | 2,630 |
| Net interest margin | 3.0540% | 4,988 |
| Noninterest income to average assets | 0.3892% | 3,907 |
| Noninterest expense to average assets | 1.9156% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2974% | 1,261 |
| Return on assets (ROA) | 1.4195% | 1,062 |
| Pretax return on assets | 1.4195% | 1,848 |
| Return on Equity (ROE) | 10.8289% | 1,668 |
| Retained earnings to average equity (ytd only) | 5.0069% | 2,938 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6200% | 4,797 |
| Assets per employee ($millions) | 5.5096% | 1,823 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 1,010 |
| Loan loss allowance to noncurrent loans | 7,890.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,638 |
| Noncurrent loans to loans | 0.0237% | 5,403 |
| Net loans and leases to total assets | 39.5432% | 5,477 |
| Net loans and leases to deposits | 45.7499% | 5,518 |
| Net loans and leases to core deposits | 47.0109% | 5,549 |
| Total domestic deposits to total assets | 86.4333% | 2,475 |
| Equity capital to assets | 13.3852% | 1,226 |
| Core capital (leverage) ratio | 11.2935% | 2,145 |
| Tier 1 risk-based capital ratio | 20.6894% | 1,364 |
| Total risk-based capital ratio | 21.9403% | 1,339 |
| Memoranda: | ||
| Average total assets | $104,824,500 | 4,372 |
| Average earning assets | $96,923,500 | 4,361 |
| Average equity | $13,741,000 | 4,040 |
| Average total loans | $42,009,500 | 4,936 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 5,046 |
| Cost of funding earning assets | 0.4575% | 2,553 |
| Net interest margin | 2.9908% | 5,159 |
| Noninterest income to average assets | 0.3371% | 4,495 |
| Noninterest expense to average assets | 1.8551% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2714% | 1,338 |
| Return on assets (ROA) | 1.2906% | 1,338 |
| Pretax return on assets | 1.2906% | 2,322 |
| Return on Equity (ROE) | 10.2476% | 1,898 |
| Retained earnings to average equity (ytd only) | 4.7032% | 2,644 |
| Net charge-offs to loans | 0.1782% | 1,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 2,019 |
| Efficiency ratio | 59.3346% | 4,991 |
| Assets per employee ($millions) | 5.5245% | 1,776 |
| Cash dividends to net income (ytd only)* | 54.1045% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 980 |
| Loan loss allowance to noncurrent loans | 1,878.5714% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 5,521 |
| Noncurrent loans to loans | 0.1004% | 5,100 |
| Net loans and leases to total assets | 39.1041% | 5,569 |
| Net loans and leases to deposits | 45.5910% | 5,588 |
| Net loans and leases to core deposits | 46.8530% | 5,610 |
| Total domestic deposits to total assets | 85.7716% | 2,749 |
| Equity capital to assets | 12.8327% | 1,443 |
| Core capital (leverage) ratio | 10.9991% | 2,408 |
| Tier 1 risk-based capital ratio | 20.4063% | 1,403 |
| Total risk-based capital ratio | 21.6570% | 1,384 |
| Memoranda: | ||
| Average total assets | $103,824,600 | 4,385 |
| Average earning assets | $96,831,000 | 4,376 |
| Average equity | $13,076,200 | 4,130 |
| Average total loans | $40,400,200 | 4,996 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 5,158 |
| Cost of funding earning assets | 0.4579% | 2,608 |
| Net interest margin | 2.9628% | 5,280 |
| Noninterest income to average assets | 0.3116% | 4,715 |
| Noninterest expense to average assets | 1.7977% | 5,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2800% | 1,393 |
| Return on assets (ROA) | 1.3058% | 1,375 |
| Pretax return on assets | 1.3058% | 2,374 |
| Return on Equity (ROE) | 10.4176% | 1,929 |
| Retained earnings to average equity (ytd only) | 2.9691% | 4,341 |
| Net charge-offs to loans | 0.0033% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 996.4662% | 75 |
| Efficiency ratio | 58.4100% | 5,071 |
| Assets per employee ($millions) | 6.2006% | 1,239 |
| Cash dividends to net income (ytd only)* | 71.4986% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1133% | 756 |
| Loan loss allowance to noncurrent loans | 1,023.8095% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 5,437 |
| Noncurrent loans to loans | 0.2064% | 4,823 |
| Net loans and leases to total assets | 37.7892% | 5,714 |
| Net loans and leases to deposits | 43.3049% | 5,749 |
| Net loans and leases to core deposits | 44.0252% | 5,793 |
| Total domestic deposits to total assets | 87.2632% | 1,913 |
| Equity capital to assets | 12.5461% | 1,721 |
| Core capital (leverage) ratio | 10.7584% | 2,762 |
| Tier 1 risk-based capital ratio | 20.1323% | 1,509 |
| Total risk-based capital ratio | 21.3861% | 1,484 |
| Memoranda: | ||
| Average total assets | $103,539,250 | 4,440 |
| Average earning assets | $96,662,750 | 4,421 |
| Average equity | $12,977,750 | 4,187 |
| Average total loans | $40,041,500 | 5,063 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3919% | 5,249 |
| Cost of funding earning assets | 0.4609% | 2,601 |
| Net interest margin | 2.9310% | 5,382 |
| Noninterest income to average assets | 0.2857% | 4,919 |
| Noninterest expense to average assets | 1.7995% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2418% | 1,487 |
| Return on assets (ROA) | 1.2457% | 1,536 |
| Pretax return on assets | 1.2457% | 2,570 |
| Return on Equity (ROE) | 9.9416% | 2,097 |
| Retained earnings to average equity (ytd only) | 1.4114% | 4,984 |
| Net charge-offs to loans | 0.0050% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 639.0000% | 99 |
| Efficiency ratio | 59.1693% | 5,092 |
| Assets per employee ($millions) | 6.1016% | 1,277 |
| Cash dividends to net income (ytd only)* | 85.8034% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 839 |
| Loan loss allowance to noncurrent loans | 405.6604% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 5,050 |
| Noncurrent loans to loans | 0.5214% | 3,893 |
| Net loans and leases to total assets | 38.3715% | 5,720 |
| Net loans and leases to deposits | 43.8107% | 5,776 |
| Net loans and leases to core deposits | 44.3996% | 5,822 |
| Total domestic deposits to total assets | 87.5848% | 1,852 |
| Equity capital to assets | 12.2185% | 1,861 |
| Core capital (leverage) ratio | 10.4582% | 3,015 |
| Tier 1 risk-based capital ratio | 19.9087% | 1,572 |
| Total risk-based capital ratio | 21.1621% | 1,526 |
| Memoranda: | ||
| Average total assets | $102,915,330 | 4,492 |
| Average earning assets | $96,759,670 | 4,451 |
| Average equity | $12,895,330 | 4,225 |
| Average total loans | $39,824,000 | 5,118 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 5,356 |
| Cost of funding earning assets | 0.4655% | 2,613 |
| Net interest margin | 2.8717% | 5,499 |
| Noninterest income to average assets | 0.2810% | 4,931 |
| Noninterest expense to average assets | 1.7208% | 5,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2565% | 1,384 |
| Return on assets (ROA) | 1.2565% | 1,470 |
| Pretax return on assets | 1.2565% | 2,439 |
| Return on Equity (ROE) | 9.9031% | 2,049 |
| Retained earnings to average equity (ytd only) | 4.5210% | 3,315 |
| Net charge-offs to loans | 0.0102% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 174 |
| Efficiency ratio | 57.7982% | 5,358 |
| Assets per employee ($millions) | 6.5520% | 1,046 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 813 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 5,635 |
| Noncurrent loans to loans | 0.2041% | 5,044 |
| Net loans and leases to total assets | 36.5728% | 5,799 |
| Net loans and leases to deposits | 41.9489% | 5,835 |
| Net loans and leases to core deposits | 42.6483% | 5,878 |
| Total domestic deposits to total assets | 87.1843% | 2,276 |
| Equity capital to assets | 12.6192% | 1,618 |
| Core capital (leverage) ratio | 10.8150% | 2,607 |
| Tier 1 risk-based capital ratio | 21.0379% | 1,418 |
| Total risk-based capital ratio | 22.2917% | 1,394 |
| Memoranda: | ||
| Average total assets | $102,509,000 | 4,544 |
| Average earning assets | $96,250,000 | 4,497 |
| Average equity | $13,006,000 | 4,236 |
| Average total loans | $39,405,000 | 5,157 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 5,121 |
| Cost of funding earning assets | 0.4791% | 2,885 |
| Net interest margin | 3.1044% | 5,192 |
| Noninterest income to average assets | 0.3284% | 4,765 |
| Noninterest expense to average assets | 1.8826% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3459% | 1,197 |
| Return on assets (ROA) | 1.4412% | 1,031 |
| Pretax return on assets | 1.4412% | 1,751 |
| Return on Equity (ROE) | 11.6740% | 1,500 |
| Retained earnings to average equity (ytd only) | 2.8618% | 4,200 |
| Net charge-offs to loans | -0.0149% | 5,642 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3119% | 5,427 |
| Assets per employee ($millions) | 6.2616% | 1,211 |
| Cash dividends to net income (ytd only)* | 75.4853% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1737% | 852 |
| Loan loss allowance to noncurrent loans | 761.9469% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 5,583 |
| Noncurrent loans to loans | 0.2853% | 4,829 |
| Net loans and leases to total assets | 38.6771% | 5,811 |
| Net loans and leases to deposits | 44.4237% | 5,865 |
| Net loans and leases to core deposits | 45.2268% | 5,920 |
| Total domestic deposits to total assets | 87.0641% | 2,243 |
| Equity capital to assets | 12.7593% | 1,495 |
| Core capital (leverage) ratio | 10.9747% | 2,432 |
| Tier 1 risk-based capital ratio | 20.9808% | 1,411 |
| Total risk-based capital ratio | 22.2366% | 1,375 |
| Memoranda: | ||
| Average total assets | $96,516,400 | 4,686 |
| Average earning assets | $90,161,600 | 4,650 |
| Average equity | $11,915,400 | 4,374 |
| Average total loans | $40,181,800 | 5,179 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 5,124 |
| Cost of funding earning assets | 0.4737% | 3,020 |
| Net interest margin | 3.1321% | 5,169 |
| Noninterest income to average assets | 0.3375% | 4,737 |
| Noninterest expense to average assets | 1.9135% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3473% | 1,254 |
| Return on assets (ROA) | 1.3835% | 1,205 |
| Pretax return on assets | 1.3835% | 2,069 |
| Return on Equity (ROE) | 11.3060% | 1,683 |
| Retained earnings to average equity (ytd only) | -0.6610% | 5,903 |
| Net charge-offs to loans | -0.0033% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6826% | 5,353 |
| Assets per employee ($millions) | 6.0576% | 1,292 |
| Cash dividends to net income (ytd only)* | 105.8474% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1299% | 1,046 |
| Loan loss allowance to noncurrent loans | 3,292.3077% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,060 |
| Noncurrent loans to loans | 0.0647% | 5,756 |
| Net loans and leases to total assets | 40.5825% | 5,781 |
| Net loans and leases to deposits | 46.4660% | 5,842 |
| Net loans and leases to core deposits | 47.3327% | 5,911 |
| Total domestic deposits to total assets | 87.3381% | 2,132 |
| Equity capital to assets | 12.4204% | 1,754 |
| Core capital (leverage) ratio | 10.8413% | 2,647 |
| Tier 1 risk-based capital ratio | 19.8337% | 1,714 |
| Total risk-based capital ratio | 21.0878% | 1,680 |
| Memoranda: | ||
| Average total assets | $95,599,000 | 4,749 |
| Average earning assets | $89,224,750 | 4,722 |
| Average equity | $11,698,500 | 4,448 |
| Average total loans | $40,324,750 | 5,225 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 5,164 |
| Cost of funding earning assets | 0.4660% | 3,148 |
| Net interest margin | 3.1292% | 5,162 |
| Noninterest income to average assets | 0.3405% | 4,700 |
| Noninterest expense to average assets | 1.8958% | 6,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3661% | 1,146 |
| Return on assets (ROA) | 1.3682% | 1,179 |
| Pretax return on assets | 1.3682% | 2,009 |
| Return on Equity (ROE) | 11.2384% | 1,648 |
| Retained earnings to average equity (ytd only) | -5.1617% | 6,247 |
| Net charge-offs to loans | -0.0099% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1186% | 5,544 |
| Assets per employee ($millions) | 6.0654% | 1,243 |
| Cash dividends to net income (ytd only)* | 145.9293% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 1,133 |
| Loan loss allowance to noncurrent loans | 42,850.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,221 |
| Noncurrent loans to loans | 0.0050% | 6,085 |
| Net loans and leases to total assets | 40.6848% | 5,769 |
| Net loans and leases to deposits | 46.4255% | 5,859 |
| Net loans and leases to core deposits | 47.2873% | 5,940 |
| Total domestic deposits to total assets | 87.6347% | 2,123 |
| Equity capital to assets | 12.1540% | 1,881 |
| Core capital (leverage) ratio | 10.7615% | 2,659 |
| Tier 1 risk-based capital ratio | 19.7936% | 1,733 |
| Total risk-based capital ratio | 21.0494% | 1,701 |
| Memoranda: | ||
| Average total assets | $95,158,330 | 4,791 |
| Average earning assets | $88,841,000 | 4,761 |
| Average equity | $11,585,330 | 4,477 |
| Average total loans | $40,370,000 | 5,258 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 5,122 |
| Cost of funding earning assets | 0.4583% | 3,330 |
| Net interest margin | 3.1583% | 5,057 |
| Noninterest income to average assets | 0.3439% | 4,625 |
| Noninterest expense to average assets | 1.9148% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3841% | 1,022 |
| Return on assets (ROA) | 1.3841% | 1,063 |
| Pretax return on assets | 1.3841% | 1,807 |
| Return on Equity (ROE) | 11.3584% | 1,583 |
| Retained earnings to average equity (ytd only) | -6.0625% | 6,188 |
| Net charge-offs to loans | -0.0099% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0438% | 5,639 |
| Assets per employee ($millions) | 5.9812% | 1,318 |
| Cash dividends to net income (ytd only)* | 153.3742% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 1,147 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,312 |
| Noncurrent loans to loans | 0.0206% | 6,106 |
| Net loans and leases to total assets | 39.6075% | 5,832 |
| Net loans and leases to deposits | 45.2078% | 5,907 |
| Net loans and leases to core deposits | 45.8442% | 6,002 |
| Total domestic deposits to total assets | 87.6122% | 2,452 |
| Equity capital to assets | 12.1746% | 1,762 |
| Core capital (leverage) ratio | 11.2145% | 2,211 |
| Tier 1 risk-based capital ratio | 20.9285% | 1,484 |
| Total risk-based capital ratio | 22.1849% | 1,464 |
| Memoranda: | ||
| Average total assets | $94,214,500 | 4,872 |
| Average earning assets | $88,147,500 | 4,816 |
| Average equity | $11,480,500 | 4,509 |
| Average total loans | $40,385,000 | 5,305 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 5,384 |
| Cost of funding earning assets | 0.4885% | 3,732 |
| Net interest margin | 3.1194% | 5,259 |
| Noninterest income to average assets | 0.3647% | 4,703 |
| Noninterest expense to average assets | 1.7060% | 6,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5788% | 719 |
| Return on assets (ROA) | 1.6040% | 704 |
| Pretax return on assets | 1.6040% | 1,157 |
| Return on Equity (ROE) | 12.8907% | 1,187 |
| Retained earnings to average equity (ytd only) | 0.4308% | 5,657 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9360% | 6,301 |
| Assets per employee ($millions) | 6.1820% | 1,154 |
| Cash dividends to net income (ytd only)* | 96.6579% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 1,475 |
| Loan loss allowance to noncurrent loans | 7,772.7273% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 6,383 |
| Noncurrent loans to loans | 0.0262% | 6,177 |
| Net loans and leases to total assets | 44.3815% | 5,642 |
| Net loans and leases to deposits | 51.0849% | 5,688 |
| Net loans and leases to core deposits | 51.8331% | 5,805 |
| Total domestic deposits to total assets | 86.8780% | 2,791 |
| Equity capital to assets | 12.1967% | 1,684 |
| Core capital (leverage) ratio | 11.4833% | 1,974 |
| Tier 1 risk-based capital ratio | 19.2840% | 1,839 |
| Total risk-based capital ratio | 20.5374% | 1,803 |
| Memoranda: | ||
| Average total assets | $95,135,400 | 4,863 |
| Average earning assets | $89,055,000 | 4,802 |
| Average equity | $11,838,000 | 4,475 |
| Average total loans | $39,313,000 | 5,376 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5455% | 5,587 |
| Cost of funding earning assets | 0.4880% | 3,886 |
| Net interest margin | 3.0575% | 5,442 |
| Noninterest income to average assets | 0.3635% | 4,789 |
| Noninterest expense to average assets | 1.6531% | 6,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5723% | 793 |
| Return on assets (ROA) | 1.6057% | 787 |
| Pretax return on assets | 1.6057% | 1,325 |
| Return on Equity (ROE) | 12.8429% | 1,273 |
| Retained earnings to average equity (ytd only) | -3.5866% | 6,405 |
| Net charge-offs to loans | -0.0034% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2522% | 6,316 |
| Assets per employee ($millions) | 6.1700% | 1,123 |
| Cash dividends to net income (ytd only)* | 127.9277% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 1,527 |
| Loan loss allowance to noncurrent loans | 771.1712% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 6,069 |
| Noncurrent loans to loans | 0.2712% | 5,557 |
| Net loans and leases to total assets | 43.2988% | 5,790 |
| Net loans and leases to deposits | 49.7894% | 5,849 |
| Net loans and leases to core deposits | 50.5194% | 5,985 |
| Total domestic deposits to total assets | 86.9638% | 2,712 |
| Equity capital to assets | 11.6251% | 2,194 |
| Core capital (leverage) ratio | 10.8242% | 2,642 |
| Tier 1 risk-based capital ratio | 18.8285% | 2,040 |
| Total risk-based capital ratio | 20.0827% | 2,002 |
| Memoranda: | ||
| Average total assets | $95,736,750 | 4,888 |
| Average earning assets | $89,614,500 | 4,822 |
| Average equity | $11,970,000 | 4,500 |
| Average total loans | $38,638,750 | 5,453 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 5,758 |
| Cost of funding earning assets | 0.4813% | 4,076 |
| Net interest margin | 2.9847% | 5,599 |
| Noninterest income to average assets | 0.3471% | 4,915 |
| Noninterest expense to average assets | 1.5806% | 6,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5599% | 804 |
| Return on assets (ROA) | 1.5599% | 875 |
| Pretax return on assets | 1.5599% | 1,461 |
| Return on Equity (ROE) | 12.2033% | 1,428 |
| Retained earnings to average equity (ytd only) | -8.8090% | 6,634 |
| Net charge-offs to loans | -0.0053% | 5,646 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3289% | 6,406 |
| Assets per employee ($millions) | 6.4524% | 925 |
| Cash dividends to net income (ytd only)* | 172.1854% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 1,520 |
| Loan loss allowance to noncurrent loans | 362.7119% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 5,757 |
| Noncurrent loans to loans | 0.5941% | 4,769 |
| Net loans and leases to total assets | 40.1556% | 6,030 |
| Net loans and leases to deposits | 46.6539% | 6,065 |
| Net loans and leases to core deposits | 47.1703% | 6,169 |
| Total domestic deposits to total assets | 86.0713% | 3,322 |
| Equity capital to assets | 11.8085% | 2,038 |
| Core capital (leverage) ratio | 10.2491% | 3,165 |
| Tier 1 risk-based capital ratio | 19.3665% | 1,888 |
| Total risk-based capital ratio | 20.6228% | 1,858 |
| Memoranda: | ||
| Average total assets | $96,799,000 | 4,891 |
| Average earning assets | $90,594,670 | 4,827 |
| Average equity | $12,373,670 | 4,446 |
| Average total loans | $37,875,330 | 5,510 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 5,863 |
| Cost of funding earning assets | 0.4949% | 4,137 |
| Net interest margin | 2.9430% | 5,722 |
| Noninterest income to average assets | 0.3471% | 4,904 |
| Noninterest expense to average assets | 1.7313% | 6,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3181% | 1,235 |
| Return on assets (ROA) | 1.3181% | 1,338 |
| Pretax return on assets | 1.3677% | 1,982 |
| Return on Equity (ROE) | 9.9331% | 2,092 |
| Retained earnings to average equity (ytd only) | -8.7498% | 6,565 |
| Net charge-offs to loans | -0.0433% | 6,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8667% | 6,074 |
| Assets per employee ($millions) | 6.5906% | 945 |
| Cash dividends to net income (ytd only)* | 188.0878% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2832% | 1,441 |
| Loan loss allowance to noncurrent loans | 3,181.4815% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 6,528 |
| Noncurrent loans to loans | 0.0718% | 6,267 |
| Net loans and leases to total assets | 37.1883% | 6,207 |
| Net loans and leases to deposits | 42.7881% | 6,281 |
| Net loans and leases to core deposits | 43.3753% | 6,343 |
| Total domestic deposits to total assets | 86.9127% | 3,009 |
| Equity capital to assets | 12.8557% | 1,499 |
| Core capital (leverage) ratio | 10.6695% | 2,573 |
| Tier 1 risk-based capital ratio | 20.5301% | 1,648 |
| Total risk-based capital ratio | 21.7859% | 1,618 |
| Memoranda: | ||
| Average total assets | $96,805,500 | 4,932 |
| Average earning assets | $90,518,500 | 4,877 |
| Average equity | $12,846,000 | 4,409 |
| Average total loans | $36,952,500 | 5,578 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 5,870 |
| Cost of funding earning assets | 0.6311% | 4,089 |
| Net interest margin | 3.1530% | 5,684 |
| Noninterest income to average assets | 0.3588% | 4,913 |
| Noninterest expense to average assets | 1.8157% | 6,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4410% | 1,023 |
| Return on assets (ROA) | 1.7063% | 687 |
| Pretax return on assets | 1.7511% | 1,021 |
| Return on Equity (ROE) | 11.9867% | 1,518 |
| Retained earnings to average equity (ytd only) | 0.8452% | 5,445 |
| Net charge-offs to loans | 0.0055% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 675.5000% | 60 |
| Efficiency ratio | 55.1312% | 6,152 |
| Assets per employee ($millions) | 5.5736% | 1,618 |
| Cash dividends to net income (ytd only)* | 92.9487% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3565% | 1,297 |
| Loan loss allowance to noncurrent loans | 5,029.4118% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 6,292 |
| Noncurrent loans to loans | 0.0469% | 6,388 |
| Net loans and leases to total assets | 37.3892% | 6,341 |
| Net loans and leases to deposits | 43.4271% | 6,401 |
| Net loans and leases to core deposits | 44.0552% | 6,466 |
| Total domestic deposits to total assets | 86.0963% | 3,303 |
| Equity capital to assets | 13.7021% | 1,153 |
| Core capital (leverage) ratio | 11.1596% | 2,116 |
| Tier 1 risk-based capital ratio | 21.6887% | 1,321 |
| Total risk-based capital ratio | 22.9437% | 1,299 |
| Memoranda: | ||
| Average total assets | $91,426,600 | 5,037 |
| Average earning assets | $85,094,400 | 4,987 |
| Average equity | $13,014,400 | 4,358 |
| Average total loans | $36,596,600 | 5,656 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 5,831 |
| Cost of funding earning assets | 0.6514% | 4,188 |
| Net interest margin | 3.2283% | 5,624 |
| Noninterest income to average assets | 0.3679% | 4,889 |
| Noninterest expense to average assets | 1.8617% | 6,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4716% | 1,071 |
| Return on assets (ROA) | 1.5644% | 1,020 |
| Pretax return on assets | 1.6071% | 1,554 |
| Return on Equity (ROE) | 10.8837% | 2,000 |
| Retained earnings to average equity (ytd only) | -3.9624% | 6,547 |
| Net charge-offs to loans | 0.0073% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 512.8464% | 83 |
| Efficiency ratio | 55.1920% | 6,138 |
| Assets per employee ($millions) | 5.7343% | 1,427 |
| Cash dividends to net income (ytd only)* | 136.4065% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2753% | 1,571 |
| Loan loss allowance to noncurrent loans | 373.3624% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 5,806 |
| Noncurrent loans to loans | 0.6094% | 5,216 |
| Net loans and leases to total assets | 40.0255% | 6,281 |
| Net loans and leases to deposits | 46.7714% | 6,334 |
| Net loans and leases to core deposits | 47.3210% | 6,454 |
| Total domestic deposits to total assets | 85.5770% | 3,472 |
| Equity capital to assets | 14.1222% | 1,110 |
| Core capital (leverage) ratio | 10.9793% | 2,407 |
| Tier 1 risk-based capital ratio | 21.7710% | 1,370 |
| Total risk-based capital ratio | 23.0281% | 1,346 |
| Memoranda: | ||
| Average total assets | $90,595,250 | 5,116 |
| Average earning assets | $84,334,500 | 5,065 |
| Average equity | $13,022,250 | 4,392 |
| Average total loans | $36,675,250 | 5,721 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 5,812 |
| Cost of funding earning assets | 0.6750% | 4,226 |
| Net interest margin | 3.2653% | 5,546 |
| Noninterest income to average assets | 0.5077% | 3,877 |
| Noninterest expense to average assets | 1.8800% | 6,639 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6251% | 798 |
| Return on assets (ROA) | 1.6251% | 887 |
| Pretax return on assets | 1.6628% | 1,358 |
| Return on Equity (ROE) | 11.2389% | 1,903 |
| Retained earnings to average equity (ytd only) | -7.1604% | 6,727 |
| Net charge-offs to loans | 0.0165% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 173 |
| Efficiency ratio | 53.0663% | 6,410 |
| Assets per employee ($millions) | 5.7911% | 1,380 |
| Cash dividends to net income (ytd only)* | 163.7108% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3529% | 1,497 |
| Loan loss allowance to noncurrent loans | 240.5634% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 5,512 |
| Noncurrent loans to loans | 0.9781% | 4,559 |
| Net loans and leases to total assets | 38.2493% | 6,461 |
| Net loans and leases to deposits | 44.5423% | 6,523 |
| Net loans and leases to core deposits | 45.0588% | 6,618 |
| Total domestic deposits to total assets | 85.8717% | 3,419 |
| Equity capital to assets | 13.8574% | 1,160 |
| Core capital (leverage) ratio | 10.9790% | 2,320 |
| Tier 1 risk-based capital ratio | 21.7883% | 1,333 |
| Total risk-based capital ratio | 23.0455% | 1,307 |
| Memoranda: | ||
| Average total assets | $90,210,670 | 5,161 |
| Average earning assets | $83,852,670 | 5,107 |
| Average equity | $13,044,000 | 4,385 |
| Average total loans | $36,374,330 | 5,769 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 5,365 |
| Cost of funding earning assets | 0.7076% | 4,213 |
| Net interest margin | 3.4176% | 5,040 |
| Noninterest income to average assets | 0.3551% | 5,030 |
| Noninterest expense to average assets | 1.9104% | 6,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6137% | 841 |
| Return on assets (ROA) | 1.6137% | 943 |
| Pretax return on assets | 1.6362% | 1,465 |
| Return on Equity (ROE) | 10.9235% | 2,046 |
| Retained earnings to average equity (ytd only) | -5.8117% | 6,643 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8657% | 6,366 |
| Assets per employee ($millions) | 5.6459% | 1,573 |
| Cash dividends to net income (ytd only)* | 153.2033% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3945% | 1,516 |
| Loan loss allowance to noncurrent loans | 351.2295% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 5,894 |
| Noncurrent loans to loans | 0.6818% | 5,295 |
| Net loans and leases to total assets | 38.6709% | 6,446 |
| Net loans and leases to deposits | 45.3616% | 6,473 |
| Net loans and leases to core deposits | 45.9053% | 6,576 |
| Total domestic deposits to total assets | 85.2503% | 3,910 |
| Equity capital to assets | 14.4674% | 871 |
| Core capital (leverage) ratio | 11.6092% | 1,828 |
| Tier 1 risk-based capital ratio | 23.8904% | 1,021 |
| Total risk-based capital ratio | 25.1500% | 1,005 |
| Memoranda: | ||
| Average total assets | $88,987,000 | 5,241 |
| Average earning assets | $83,099,500 | 5,173 |
| Average equity | $13,146,000 | 4,378 |
| Average total loans | $36,414,000 | 5,801 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 5,163 |
| Cost of funding earning assets | 0.8129% | 4,767 |
| Net interest margin | 3.6629% | 4,463 |
| Noninterest income to average assets | 0.3930% | 4,674 |
| Noninterest expense to average assets | 1.9060% | 6,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8419% | 429 |
| Return on assets (ROA) | 1.8981% | 412 |
| Pretax return on assets | 1.9537% | 586 |
| Return on Equity (ROE) | 13.2281% | 1,115 |
| Retained earnings to average equity (ytd only) | 4.1244% | 3,248 |
| Net charge-offs to loans | 0.0027% | 6,417 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1,669.0000% | 9 |
| Efficiency ratio | 48.7003% | 6,908 |
| Assets per employee ($millions) | 5.4775% | 1,658 |
| Cash dividends to net income (ytd only)* | 68.8211% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3138% | 1,601 |
| Loan loss allowance to noncurrent loans | 284.7176% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 5,783 |
| Noncurrent loans to loans | 0.8127% | 5,067 |
| Net loans and leases to total assets | 41.2837% | 6,443 |
| Net loans and leases to deposits | 48.7562% | 6,445 |
| Net loans and leases to core deposits | 49.5332% | 6,554 |
| Total domestic deposits to total assets | 84.6737% | 4,008 |
| Equity capital to assets | 15.0879% | 760 |
| Core capital (leverage) ratio | 11.8998% | 1,657 |
| Tier 1 risk-based capital ratio | 23.4682% | 1,038 |
| Total risk-based capital ratio | 24.7262% | 1,014 |
| Memoranda: | ||
| Average total assets | $88,037,000 | 5,236 |
| Average earning assets | $81,929,400 | 5,170 |
| Average equity | $12,632,200 | 4,410 |
| Average total loans | $37,617,600 | 5,804 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 5,138 |
| Cost of funding earning assets | 0.8388% | 4,864 |
| Net interest margin | 3.6980% | 4,345 |
| Noninterest income to average assets | 0.4221% | 4,500 |
| Noninterest expense to average assets | 1.9439% | 6,797 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8662% | 453 |
| Return on assets (ROA) | 1.9454% | 425 |
| Pretax return on assets | 2.0014% | 621 |
| Return on Equity (ROE) | 13.7340% | 1,100 |
| Retained earnings to average equity (ytd only) | 1.4524% | 5,417 |
| Net charge-offs to loans | 0.0035% | 6,144 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1,272.1504% | 14 |
| Efficiency ratio | 48.4338% | 6,933 |
| Assets per employee ($millions) | 5.1497% | 1,992 |
| Cash dividends to net income (ytd only)* | 89.4251% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2541% | 1,764 |
| Loan loss allowance to noncurrent loans | 249.8542% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 5,781 |
| Noncurrent loans to loans | 0.9022% | 5,060 |
| Net loans and leases to total assets | 42.4502% | 6,469 |
| Net loans and leases to deposits | 49.9993% | 6,501 |
| Net loans and leases to core deposits | 50.7948% | 6,634 |
| Total domestic deposits to total assets | 84.9015% | 3,813 |
| Equity capital to assets | 14.8209% | 899 |
| Core capital (leverage) ratio | 11.6026% | 1,957 |
| Tier 1 risk-based capital ratio | 21.9430% | 1,298 |
| Total risk-based capital ratio | 23.2008% | 1,272 |
| Memoranda: | ||
| Average total assets | $88,136,250 | 5,265 |
| Average earning assets | $82,023,750 | 5,216 |
| Average equity | $12,484,500 | 4,453 |
| Average total loans | $37,762,500 | 5,850 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 5,376 |
| Cost of funding earning assets | 0.8770% | 4,846 |
| Net interest margin | 3.6175% | 4,655 |
| Noninterest income to average assets | 0.4030% | 4,661 |
| Noninterest expense to average assets | 1.9313% | 6,902 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7880% | 519 |
| Return on assets (ROA) | 1.8385% | 490 |
| Pretax return on assets | 1.8951% | 716 |
| Return on Equity (ROE) | 13.1807% | 1,159 |
| Retained earnings to average equity (ytd only) | -3.8633% | 6,461 |
| Net charge-offs to loans | 0.0053% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 814.0000% | 33 |
| Efficiency ratio | 48.2903% | 7,044 |
| Assets per employee ($millions) | 5.1524% | 1,931 |
| Cash dividends to net income (ytd only)* | 129.3103% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2542% | 1,818 |
| Loan loss allowance to noncurrent loans | 1,863.0435% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 6,613 |
| Noncurrent loans to loans | 0.1210% | 6,679 |
| Net loans and leases to total assets | 42.4261% | 6,565 |
| Net loans and leases to deposits | 49.5632% | 6,633 |
| Net loans and leases to core deposits | 50.3816% | 6,745 |
| Total domestic deposits to total assets | 85.6000% | 3,561 |
| Equity capital to assets | 14.1512% | 1,046 |
| Core capital (leverage) ratio | 10.9827% | 2,265 |
| Tier 1 risk-based capital ratio | 20.7570% | 1,463 |
| Total risk-based capital ratio | 22.0158% | 1,439 |
| Memoranda: | ||
| Average total assets | $88,333,330 | 5,300 |
| Average earning assets | $82,323,000 | 5,253 |
| Average equity | $12,321,000 | 4,471 |
| Average total loans | $37,676,670 | 5,905 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 5,489 |
| Cost of funding earning assets | 0.9324% | 4,702 |
| Net interest margin | 3.5265% | 4,895 |
| Noninterest income to average assets | 0.3833% | 4,846 |
| Noninterest expense to average assets | 1.8939% | 6,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7123% | 569 |
| Return on assets (ROA) | 1.7902% | 524 |
| Pretax return on assets | 1.8624% | 722 |
| Return on Equity (ROE) | 12.9274% | 1,213 |
| Retained earnings to average equity (ytd only) | -3.3540% | 6,341 |
| Net charge-offs to loans | 0.0107% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 68 |
| Efficiency ratio | 48.5890% | 7,095 |
| Assets per employee ($millions) | 5.2182% | 1,877 |
| Cash dividends to net income (ytd only)* | 125.9446% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3004% | 1,764 |
| Loan loss allowance to noncurrent loans | 1,382.2581% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 6,619 |
| Noncurrent loans to loans | 0.1664% | 6,640 |
| Net loans and leases to total assets | 41.0308% | 6,702 |
| Net loans and leases to deposits | 47.7257% | 6,766 |
| Net loans and leases to core deposits | 48.8288% | 6,841 |
| Total domestic deposits to total assets | 85.9721% | 3,541 |
| Equity capital to assets | 13.8126% | 1,063 |
| Core capital (leverage) ratio | 11.1145% | 2,105 |
| Tier 1 risk-based capital ratio | 21.1484% | 1,366 |
| Total risk-based capital ratio | 22.4072% | 1,337 |
| Memoranda: | ||
| Average total assets | $88,705,000 | 5,329 |
| Average earning assets | $82,801,000 | 5,278 |
| Average equity | $12,284,000 | 4,488 |
| Average total loans | $37,506,000 | 5,965 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 5,635 |
| Cost of funding earning assets | 1.2514% | 4,209 |
| Net interest margin | 3.4933% | 5,272 |
| Noninterest income to average assets | 0.4102% | 4,821 |
| Noninterest expense to average assets | 1.9446% | 7,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6506% | 570 |
| Return on assets (ROA) | 1.7038% | 552 |
| Pretax return on assets | 1.7599% | 830 |
| Return on Equity (ROE) | 11.8629% | 1,343 |
| Retained earnings to average equity (ytd only) | 2.9128% | 3,819 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1761% | 7,112 |
| Assets per employee ($millions) | 5.2177% | 1,842 |
| Cash dividends to net income (ytd only)* | 75.4458% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2724% | 1,738 |
| Loan loss allowance to noncurrent loans | 365.1064% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 6,228 |
| Noncurrent loans to loans | 0.6224% | 5,808 |
| Net loans and leases to total assets | 41.5993% | 6,868 |
| Net loans and leases to deposits | 49.2532% | 6,891 |
| Net loans and leases to core deposits | 51.8281% | 6,917 |
| Total domestic deposits to total assets | 84.4602% | 4,141 |
| Equity capital to assets | 13.8837% | 1,072 |
| Core capital (leverage) ratio | 10.9410% | 2,204 |
| Tier 1 risk-based capital ratio | 20.6458% | 1,372 |
| Total risk-based capital ratio | 21.9031% | 1,356 |
| Memoranda: | ||
| Average total assets | $85,571,000 | 5,422 |
| Average earning assets | $79,351,400 | 5,370 |
| Average equity | $12,290,400 | 4,531 |
| Average total loans | $37,628,200 | 6,029 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 5,704 |
| Cost of funding earning assets | 1.2996% | 4,222 |
| Net interest margin | 3.4907% | 5,334 |
| Noninterest income to average assets | 0.4136% | 4,847 |
| Noninterest expense to average assets | 1.8964% | 7,213 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6848% | 642 |
| Return on assets (ROA) | 1.7565% | 607 |
| Pretax return on assets | 1.8178% | 893 |
| Return on Equity (ROE) | 12.1237% | 1,470 |
| Retained earnings to average equity (ytd only) | 0.1845% | 5,702 |
| Net charge-offs to loans | 0.0035% | 6,634 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1,111.7519% | 21 |
| Efficiency ratio | 48.9417% | 7,216 |
| Assets per employee ($millions) | 5.2261% | 1,901 |
| Cash dividends to net income (ytd only)* | 98.4778% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2904% | 1,642 |
| Loan loss allowance to noncurrent loans | 198.8399% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 5,850 |
| Noncurrent loans to loans | 1.1519% | 4,936 |
| Net loans and leases to total assets | 41.1512% | 7,016 |
| Net loans and leases to deposits | 48.0882% | 7,085 |
| Net loans and leases to core deposits | 50.5636% | 7,102 |
| Total domestic deposits to total assets | 85.5746% | 3,311 |
| Equity capital to assets | 14.1114% | 1,134 |
| Core capital (leverage) ratio | 10.8393% | 2,382 |
| Tier 1 risk-based capital ratio | 19.6960% | 1,606 |
| Total risk-based capital ratio | 20.9531% | 1,572 |
| Memoranda: | ||
| Average total assets | $84,788,500 | 5,512 |
| Average earning assets | $78,378,250 | 5,472 |
| Average equity | $12,284,250 | 4,601 |
| Average total loans | $37,596,000 | 6,113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 5,705 |
| Cost of funding earning assets | 1.3431% | 4,235 |
| Net interest margin | 3.4810% | 5,321 |
| Noninterest income to average assets | 0.4171% | 4,779 |
| Noninterest expense to average assets | 1.9440% | 7,194 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6177% | 695 |
| Return on assets (ROA) | 1.7259% | 612 |
| Pretax return on assets | 1.7978% | 890 |
| Return on Equity (ROE) | 11.8033% | 1,498 |
| Retained earnings to average equity (ytd only) | 1.9672% | 4,884 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3963% | 7,202 |
| Assets per employee ($millions) | 5.1042% | 2,042 |
| Cash dividends to net income (ytd only)* | 83.3333% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2416% | 1,686 |
| Loan loss allowance to noncurrent loans | 975.0000% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 6,737 |
| Noncurrent loans to loans | 0.2299% | 6,781 |
| Net loans and leases to total assets | 43.1222% | 6,975 |
| Net loans and leases to deposits | 50.4816% | 7,048 |
| Net loans and leases to core deposits | 51.9817% | 7,138 |
| Total domestic deposits to total assets | 85.4216% | 3,405 |
| Equity capital to assets | 14.2661% | 1,081 |
| Core capital (leverage) ratio | 11.1538% | 2,134 |
| Tier 1 risk-based capital ratio | 19.6646% | 1,569 |
| Total risk-based capital ratio | 20.9218% | 1,545 |
| Memoranda: | ||
| Average total assets | $83,437,000 | 5,583 |
| Average earning assets | $76,988,670 | 5,549 |
| Average equity | $12,200,000 | 4,627 |
| Average total loans | $37,655,670 | 6,150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 5,580 |
| Cost of funding earning assets | 1.3695% | 4,362 |
| Net interest margin | 3.5064% | 5,129 |
| Noninterest income to average assets | 0.4158% | 4,767 |
| Noninterest expense to average assets | 1.9861% | 7,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6091% | 737 |
| Return on assets (ROA) | 1.8344% | 507 |
| Pretax return on assets | 1.8785% | 762 |
| Return on Equity (ROE) | 12.3859% | 1,392 |
| Retained earnings to average equity (ytd only) | -4.1286% | 6,513 |
| Net charge-offs to loans | 0.0107% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 85 |
| Efficiency ratio | 53.5666% | 7,016 |
| Assets per employee ($millions) | 4.9441% | 2,309 |
| Cash dividends to net income (ytd only)* | 133.3333% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3068% | 1,568 |
| Loan loss allowance to noncurrent loans | 42,850.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 6,836 |
| Noncurrent loans to loans | 0.0054% | 7,409 |
| Net loans and leases to total assets | 43.1814% | 7,051 |
| Net loans and leases to deposits | 50.6772% | 7,098 |
| Net loans and leases to core deposits | 53.0769% | 7,152 |
| Total domestic deposits to total assets | 85.2088% | 3,561 |
| Equity capital to assets | 14.4200% | 1,033 |
| Core capital (leverage) ratio | 11.4656% | 1,933 |
| Tier 1 risk-based capital ratio | 19.5228% | 1,612 |
| Total risk-based capital ratio | 20.7801% | 1,580 |
| Memoranda: | ||
| Average total assets | $81,769,500 | 5,715 |
| Average earning assets | $75,062,500 | 5,666 |
| Average equity | $12,110,500 | 4,691 |
| Average total loans | $37,345,500 | 6,243 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4450% | 4,465 |
| Cost of funding earning assets | 1.6839% | 4,595 |
| Net interest margin | 3.7611% | 3,868 |
| Noninterest income to average assets | 0.4624% | 4,700 |
| Noninterest expense to average assets | 2.1427% | 7,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7328% | 411 |
| Return on assets (ROA) | 1.8199% | 357 |
| Pretax return on assets | 1.8672% | 550 |
| Return on Equity (ROE) | 12.5152% | 1,052 |
| Retained earnings to average equity (ytd only) | 3.5145% | 2,714 |
| Net charge-offs to loans | -0.1145% | 7,890 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5739% | 7,423 |
| Assets per employee ($millions) | 4.6758% | 2,654 |
| Cash dividends to net income (ytd only)* | 71.9178% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 1,503 |
| Loan loss allowance to noncurrent loans | 17,160.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 6,777 |
| Noncurrent loans to loans | 0.0133% | 7,407 |
| Net loans and leases to total assets | 46.1473% | 6,957 |
| Net loans and leases to deposits | 54.6701% | 7,009 |
| Net loans and leases to core deposits | 68.4455% | 6,855 |
| Total domestic deposits to total assets | 84.4104% | 3,834 |
| Equity capital to assets | 15.2235% | 860 |
| Core capital (leverage) ratio | 11.7670% | 1,774 |
| Tier 1 risk-based capital ratio | 19.5983% | 1,546 |
| Total risk-based capital ratio | 20.8550% | 1,503 |
| Memoranda: | ||
| Average total assets | $80,226,000 | 5,724 |
| Average earning assets | $73,755,800 | 5,693 |
| Average equity | $11,665,800 | 4,822 |
| Average total loans | $38,415,600 | 6,182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 4,632 |
| Cost of funding earning assets | 1.7462% | 4,655 |
| Net interest margin | 3.7136% | 4,015 |
| Noninterest income to average assets | 0.4676% | 4,765 |
| Noninterest expense to average assets | 2.0644% | 7,256 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7797% | 470 |
| Return on assets (ROA) | 1.7957% | 478 |
| Pretax return on assets | 1.8438% | 737 |
| Return on Equity (ROE) | 12.4942% | 1,238 |
| Retained earnings to average equity (ytd only) | 0.3807% | 5,039 |
| Net charge-offs to loans | -0.1587% | 7,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9787% | 7,554 |
| Assets per employee ($millions) | 4.7288% | 2,514 |
| Cash dividends to net income (ytd only)* | 96.9535% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 1,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 6,853 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 46.6842% | 7,058 |
| Net loans and leases to deposits | 55.1054% | 7,141 |
| Net loans and leases to core deposits | 69.8266% | 6,974 |
| Total domestic deposits to total assets | 84.7181% | 3,363 |
| Equity capital to assets | 14.8839% | 1,039 |
| Core capital (leverage) ratio | 11.2503% | 2,222 |
| Tier 1 risk-based capital ratio | 18.6279% | 1,832 |
| Total risk-based capital ratio | 19.8853% | 1,791 |
| Memoranda: | ||
| Average total assets | $80,410,250 | 5,747 |
| Average earning assets | $74,140,500 | 5,715 |
| Average equity | $11,557,000 | 4,909 |
| Average total loans | $38,634,500 | 6,219 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 4,604 |
| Cost of funding earning assets | 1.8228% | 4,652 |
| Net interest margin | 3.6808% | 4,036 |
| Noninterest income to average assets | 0.4526% | 4,826 |
| Noninterest expense to average assets | 2.0816% | 7,311 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7111% | 555 |
| Return on assets (ROA) | 1.7111% | 601 |
| Pretax return on assets | 1.7558% | 918 |
| Return on Equity (ROE) | 12.0480% | 1,394 |
| Retained earnings to average equity (ytd only) | -6.3392% | 6,496 |
| Net charge-offs to loans | -0.2480% | 8,049 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1342% | 7,585 |
| Assets per employee ($millions) | 4.7318% | 2,422 |
| Cash dividends to net income (ytd only)* | 152.6163% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2604% | 1,149 |
| Loan loss allowance to noncurrent loans | 43,100.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 6,816 |
| Noncurrent loans to loans | 0.0052% | 7,560 |
| Net loans and leases to total assets | 46.3364% | 7,173 |
| Net loans and leases to deposits | 53.9446% | 7,274 |
| Net loans and leases to core deposits | 67.5101% | 7,145 |
| Total domestic deposits to total assets | 85.8963% | 2,838 |
| Equity capital to assets | 13.6997% | 1,419 |
| Core capital (leverage) ratio | 10.5455% | 2,772 |
| Tier 1 risk-based capital ratio | 17.1837% | 2,244 |
| Total risk-based capital ratio | 18.4405% | 2,181 |
| Memoranda: | ||
| Average total assets | $80,417,330 | 5,785 |
| Average earning assets | $73,951,000 | 5,749 |
| Average equity | $11,421,000 | 4,970 |
| Average total loans | $38,716,330 | 6,261 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5642% | 4,548 |
| Cost of funding earning assets | 1.9309% | 4,484 |
| Net interest margin | 3.6333% | 4,176 |
| Noninterest income to average assets | 0.4627% | 4,654 |
| Noninterest expense to average assets | 1.9949% | 7,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7461% | 587 |
| Return on assets (ROA) | 1.7461% | 640 |
| Pretax return on assets | 1.7909% | 993 |
| Return on Equity (ROE) | 12.0811% | 1,637 |
| Retained earnings to average equity (ytd only) | 12.0811% | 772 |
| Net charge-offs to loans | -0.0308% | 7,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5401% | 7,620 |
| Assets per employee ($millions) | 4.3419% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 1,206 |
| Loan loss allowance to noncurrent loans | 4,085.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 6,673 |
| Noncurrent loans to loans | 0.0517% | 7,390 |
| Net loans and leases to total assets | 45.8786% | 7,198 |
| Net loans and leases to deposits | 53.8670% | 7,299 |
| Net loans and leases to core deposits | 67.8122% | 7,143 |
| Total domestic deposits to total assets | 85.1702% | 3,122 |
| Equity capital to assets | 14.4516% | 1,246 |
| Core capital (leverage) ratio | 11.6998% | 2,042 |
| Tier 1 risk-based capital ratio | 18.2012% | 2,001 |
| Total risk-based capital ratio | 19.4554% | 1,957 |
| Memoranda: | ||
| Average total assets | $80,406,000 | 5,807 |
| Average earning assets | $73,541,500 | 5,793 |
| Average equity | $11,621,500 | 4,947 |
| Average total loans | $39,007,000 | 6,276 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9927% | 5,575 |
| Cost of funding earning assets | 2.5152% | 4,118 |
| Net interest margin | 3.4774% | 5,375 |
| Noninterest income to average assets | 0.4667% | 4,910 |
| Noninterest expense to average assets | 1.9820% | 7,475 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6370% | 776 |
| Return on assets (ROA) | 1.6518% | 716 |
| Pretax return on assets | 1.6860% | 1,173 |
| Return on Equity (ROE) | 11.6281% | 1,705 |
| Retained earnings to average equity (ytd only) | 0.2760% | 5,075 |
| Net charge-offs to loans | 0.0674% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 48.9259% | 773 |
| Efficiency ratio | 50.9003% | 7,594 |
| Assets per employee ($millions) | 4.1219% | 3,268 |
| Cash dividends to net income (ytd only)* | 97.6263% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 1,118 |
| Loan loss allowance to noncurrent loans | 5,814.2857% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 6,441 |
| Noncurrent loans to loans | 0.0356% | 7,364 |
| Net loans and leases to total assets | 49.2045% | 7,091 |
| Net loans and leases to deposits | 57.7606% | 7,222 |
| Net loans and leases to core deposits | 73.2020% | 7,013 |
| Total domestic deposits to total assets | 85.1869% | 2,756 |
| Equity capital to assets | 14.4555% | 1,309 |
| Core capital (leverage) ratio | 11.5459% | 2,223 |
| Tier 1 risk-based capital ratio | 18.7927% | 1,856 |
| Total risk-based capital ratio | 20.0484% | 1,806 |
| Memoranda: | ||
| Average total assets | $79,063,200 | 5,731 |
| Average earning assets | $72,438,400 | 5,726 |
| Average equity | $11,231,400 | 5,055 |
| Average total loans | $40,071,200 | 6,158 |