Home > Philo Exchange Bank > Performance and Condition Ratios
Philo Exchange 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 | 3.4963% | 4,395 |
| Cost of funding earning assets | 0.4202% | 4,273 |
| Net interest margin | 3.0761% | 3,145 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.3368% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7654% | 2,994 |
| Return on assets (ROA) | 0.7654% | 2,970 |
| Pretax return on assets | 0.7610% | 3,311 |
| Return on Equity (ROE) | 10.1400% | 2,462 |
| Retained earnings to average equity (ytd only) | 8.0161% | 1,535 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.4332% | 1,302 |
| Assets per employee ($millions) | 5.8765% | 2,927 |
| Cash dividends to net income (ytd only)* | 20.9414% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,493 |
| Loan loss allowance to noncurrent loans | 2,211.4286% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,521 |
| Noncurrent loans to loans | 0.0434% | 3,411 |
| Net loans and leases to total assets | 59.1200% | 2,933 |
| Net loans and leases to deposits | 69.0590% | 2,948 |
| Net loans and leases to core deposits | 72.4768% | 3,161 |
| Total domestic deposits to total assets | 85.6000% | 2,136 |
| Equity capital to assets | 8.5550% | 3,011 |
| Core capital (leverage) ratio | 10.0635% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0830% | 1,255 |
| Memoranda: | ||
| Average total assets | $135,998,600 | 3,493 |
| Average earning assets | $127,075,800 | 3,471 |
| Average equity | $10,266,800 | 3,690 |
| Average total loans | $72,843,600 | 3,513 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 4,445 |
| Cost of funding earning assets | 0.2868% | 4,374 |
| Net interest margin | 3.0464% | 3,244 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.3679% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7224% | 3,248 |
| Return on assets (ROA) | 0.7224% | 3,233 |
| Pretax return on assets | 0.7165% | 3,518 |
| Return on Equity (ROE) | 9.9000% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.9731% | 2,296 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.7693% | 1,109 |
| Assets per employee ($millions) | 6.0779% | 2,679 |
| Cash dividends to net income (ytd only)* | 29.5393% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,316 |
| Loan loss allowance to noncurrent loans | 1,682.6087% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,468 |
| Noncurrent loans to loans | 0.0600% | 3,324 |
| Net loans and leases to total assets | 54.2700% | 3,341 |
| Net loans and leases to deposits | 63.3545% | 3,300 |
| Net loans and leases to core deposits | 67.1128% | 3,371 |
| Total domestic deposits to total assets | 85.6600% | 2,292 |
| Equity capital to assets | 7.0648% | 3,579 |
| Core capital (leverage) ratio | 10.0930% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2759% | 1,250 |
| Memoranda: | ||
| Average total assets | $136,208,250 | 3,500 |
| Average earning assets | $127,359,750 | 3,480 |
| Average equity | $9,942,750 | 3,729 |
| Average total loans | $70,885,500 | 3,542 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3005% | 4,460 |
| Cost of funding earning assets | 0.1969% | 4,432 |
| Net interest margin | 3.1036% | 3,221 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.3849% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7851% | 3,124 |
| Return on assets (ROA) | 0.7851% | 3,137 |
| Pretax return on assets | 0.7762% | 3,449 |
| Return on Equity (ROE) | 10.6400% | 2,521 |
| Retained earnings to average equity (ytd only) | 7.0647% | 2,262 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.4452% | 1,223 |
| Assets per employee ($millions) | 5.6558% | 3,016 |
| Cash dividends to net income (ytd only)* | 33.5849% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,793 |
| Loan loss allowance to noncurrent loans | 1,357.8947% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,335 |
| Noncurrent loans to loans | 0.0832% | 3,097 |
| Net loans and leases to total assets | 52.0800% | 3,406 |
| Net loans and leases to deposits | 58.0305% | 3,535 |
| Net loans and leases to core deposits | 59.3918% | 3,663 |
| Total domestic deposits to total assets | 89.7500% | 994 |
| Equity capital to assets | 7.8404% | 3,322 |
| Core capital (leverage) ratio | 10.0135% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5804% | 1,020 |
| Memoranda: | ||
| Average total assets | $135,013,667 | 3,519 |
| Average earning assets | $126,950,333 | 3,496 |
| Average equity | $9,965,000 | 3,748 |
| Average total loans | $68,967,000 | 3,585 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2520% | 4,468 |
| Cost of funding earning assets | 0.1547% | 4,450 |
| Net interest margin | 3.0973% | 3,351 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.3480% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7419% | 3,365 |
| Return on assets (ROA) | 0.7419% | 3,323 |
| Pretax return on assets | 0.7419% | 3,579 |
| Return on Equity (ROE) | 10.3600% | 2,678 |
| Retained earnings to average equity (ytd only) | 6.0520% | 2,749 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.9887% | 1,166 |
| Assets per employee ($millions) | 6.8563% | 2,071 |
| Cash dividends to net income (ytd only)* | 41.5686% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,561 |
| Loan loss allowance to noncurrent loans | 1,121.7391% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,283 |
| Noncurrent loans to loans | 0.1068% | 2,994 |
| Net loans and leases to total assets | 46.5300% | 3,746 |
| Net loans and leases to deposits | 50.5554% | 3,869 |
| Net loans and leases to core deposits | 51.6506% | 3,927 |
| Total domestic deposits to total assets | 92.0400% | 502 |
| Equity capital to assets | 7.4757% | 3,577 |
| Core capital (leverage) ratio | 9.3080% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8015% | 1,024 |
| Memoranda: | ||
| Average total assets | $137,479,000 | 3,537 |
| Average earning assets | $129,272,500 | 3,516 |
| Average equity | $9,848,000 | 3,803 |
| Average total loans | $69,188,500 | 3,620 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6962% | 4,405 |
| Cost of funding earning assets | 0.1485% | 4,133 |
| Net interest margin | 2.5478% | 4,237 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.0757% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5189% | 4,061 |
| Return on assets (ROA) | 0.5189% | 4,013 |
| Pretax return on assets | 0.5562% | 4,095 |
| Return on Equity (ROE) | 6.8000% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.8111% | 3,139 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.8670% | 795 |
| Assets per employee ($millions) | 7.2544% | 1,785 |
| Cash dividends to net income (ytd only)* | 29.2958% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,130 |
| Loan loss allowance to noncurrent loans | 943.9024% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,215 |
| Noncurrent loans to loans | 0.1111% | 2,974 |
| Net loans and leases to total assets | 52.9800% | 3,285 |
| Net loans and leases to deposits | 62.7852% | 3,128 |
| Net loans and leases to core deposits | 64.7631% | 3,223 |
| Total domestic deposits to total assets | 84.3800% | 3,131 |
| Equity capital to assets | 6.8525% | 3,744 |
| Core capital (leverage) ratio | 9.5137% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9042% | 1,390 |
| Memoranda: | ||
| Average total assets | $136,818,600 | 3,565 |
| Average earning assets | $129,996,600 | 3,534 |
| Average equity | $10,434,200 | 3,819 |
| Average total loans | $66,399,600 | 3,638 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5647% | 4,414 |
| Cost of funding earning assets | 0.1177% | 4,138 |
| Net interest margin | 2.4470% | 4,264 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.0590% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4618% | 4,147 |
| Return on assets (ROA) | 0.4618% | 4,092 |
| Pretax return on assets | 0.4960% | 4,155 |
| Return on Equity (ROE) | 5.9000% | 3,816 |
| Retained earnings to average equity (ytd only) | 3.3078% | 3,697 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5885% | 735 |
| Assets per employee ($millions) | 6.2627% | 2,528 |
| Cash dividends to net income (ytd only)* | 43.9746% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,840 |
| Loan loss allowance to noncurrent loans | 806.2500% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,164 |
| Noncurrent loans to loans | 0.1413% | 2,918 |
| Net loans and leases to total assets | 51.0600% | 3,381 |
| Net loans and leases to deposits | 54.8428% | 3,557 |
| Net loans and leases to core deposits | 56.4807% | 3,601 |
| Total domestic deposits to total assets | 93.1100% | 556 |
| Equity capital to assets | 6.4661% | 3,759 |
| Core capital (leverage) ratio | 9.2186% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3249% | 1,331 |
| Memoranda: | ||
| Average total assets | $136,565,000 | 3,589 |
| Average earning assets | $130,224,750 | 3,545 |
| Average equity | $10,681,500 | 3,840 |
| Average total loans | $64,550,250 | 3,680 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3586% | 4,485 |
| Cost of funding earning assets | 0.1151% | 4,020 |
| Net interest margin | 2.2434% | 4,389 |
| Noninterest income to average assets | 0.2358% | 3,764 |
| Noninterest expense to average assets | 2.0369% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3081% | 4,276 |
| Return on assets (ROA) | 0.3081% | 4,227 |
| Pretax return on assets | 0.3414% | 4,235 |
| Return on Equity (ROE) | 3.7344% | 4,088 |
| Retained earnings to average equity (ytd only) | 1.0169% | 3,993 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6448% | 593 |
| Assets per employee ($millions) | 6.0920% | 2,664 |
| Cash dividends to net income (ytd only)* | 72.7700% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,946 |
| Loan loss allowance to noncurrent loans | 684.9558% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,176 |
| Noncurrent loans to loans | 0.1673% | 2,856 |
| Net loans and leases to total assets | 47.6391% | 3,578 |
| Net loans and leases to deposits | 51.4701% | 3,728 |
| Net loans and leases to core deposits | 53.0372% | 3,756 |
| Total domestic deposits to total assets | 92.5569% | 634 |
| Equity capital to assets | 7.0492% | 3,742 |
| Core capital (leverage) ratio | 8.5447% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3571% | 1,108 |
| Memoranda: | ||
| Average total assets | $138,247,667 | 3,618 |
| Average earning assets | $132,029,000 | 3,574 |
| Average equity | $11,407,333 | 3,844 |
| Average total loans | $63,424,000 | 3,734 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2249% | 4,518 |
| Cost of funding earning assets | 0.1192% | 3,907 |
| Net interest margin | 2.1057% | 4,442 |
| Noninterest income to average assets | 0.1806% | 4,081 |
| Noninterest expense to average assets | 2.0479% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1107% | 4,451 |
| Return on assets (ROA) | 0.1107% | 4,419 |
| Pretax return on assets | 0.1398% | 4,404 |
| Return on Equity (ROE) | 1.2487% | 4,384 |
| Retained earnings to average equity (ytd only) | -2.9246% | 4,306 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6085% | 399 |
| Assets per employee ($millions) | 6.2889% | 2,568 |
| Cash dividends to net income (ytd only)* | 334.2105% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,942 |
| Loan loss allowance to noncurrent loans | 619.2000% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 3,211 |
| Noncurrent loans to loans | 0.2246% | 2,697 |
| Net loans and leases to total assets | 37.9477% | 4,120 |
| Net loans and leases to deposits | 41.1875% | 4,196 |
| Net loans and leases to core deposits | 42.3252% | 4,228 |
| Total domestic deposits to total assets | 92.1338% | 526 |
| Equity capital to assets | 7.4680% | 3,954 |
| Core capital (leverage) ratio | 8.4883% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9867% | 756 |
| Memoranda: | ||
| Average total assets | $137,313,500 | 3,644 |
| Average earning assets | $130,885,000 | 3,602 |
| Average equity | $12,172,500 | 3,845 |
| Average total loans | $61,374,000 | 3,773 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7251% | 4,288 |
| Cost of funding earning assets | 0.1861% | 3,585 |
| Net interest margin | 2.5390% | 4,140 |
| Noninterest income to average assets | 0.2716% | 3,766 |
| Noninterest expense to average assets | 2.0372% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6354% | 3,790 |
| Return on assets (ROA) | 0.6354% | 3,842 |
| Pretax return on assets | 0.6518% | 4,031 |
| Return on Equity (ROE) | 5.9289% | 3,792 |
| Retained earnings to average equity (ytd only) | 3.0446% | 3,613 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7620% | 1,124 |
| Assets per employee ($millions) | 5.9083% | 2,854 |
| Cash dividends to net income (ytd only)* | 48.6486% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,111 |
| Loan loss allowance to noncurrent loans | 552.8571% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 3,176 |
| Noncurrent loans to loans | 0.2087% | 2,908 |
| Net loans and leases to total assets | 51.0151% | 3,172 |
| Net loans and leases to deposits | 57.2624% | 3,313 |
| Net loans and leases to core deposits | 59.5267% | 3,350 |
| Total domestic deposits to total assets | 89.0901% | 1,460 |
| Equity capital to assets | 10.4191% | 2,244 |
| Core capital (leverage) ratio | 9.6727% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6463% | 1,130 |
| Memoranda: | ||
| Average total assets | $128,114,800 | 3,700 |
| Average earning assets | $121,976,800 | 3,662 |
| Average equity | $13,729,400 | 3,767 |
| Average total loans | $65,059,800 | 3,742 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7563% | 4,352 |
| Cost of funding earning assets | 0.2016% | 3,589 |
| Net interest margin | 2.5548% | 4,199 |
| Noninterest income to average assets | 0.2799% | 3,758 |
| Noninterest expense to average assets | 1.9919% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7071% | 3,748 |
| Return on assets (ROA) | 0.7071% | 3,817 |
| Pretax return on assets | 0.7238% | 4,026 |
| Return on Equity (ROE) | 6.5523% | 3,783 |
| Retained earnings to average equity (ytd only) | 2.7196% | 3,995 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3462% | 1,274 |
| Assets per employee ($millions) | 6.5602% | 2,199 |
| Cash dividends to net income (ytd only)* | 58.4934% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,157 |
| Loan loss allowance to noncurrent loans | 499.3548% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 3,286 |
| Noncurrent loans to loans | 0.2326% | 3,009 |
| Net loans and leases to total assets | 52.8437% | 3,103 |
| Net loans and leases to deposits | 59.7446% | 3,257 |
| Net loans and leases to core deposits | 61.8727% | 3,334 |
| Total domestic deposits to total assets | 88.4494% | 1,597 |
| Equity capital to assets | 11.0716% | 1,961 |
| Core capital (leverage) ratio | 9.5083% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4871% | 1,252 |
| Memoranda: | ||
| Average total assets | $127,647,750 | 3,744 |
| Average earning assets | $121,704,750 | 3,704 |
| Average equity | $13,776,000 | 3,806 |
| Average total loans | $64,553,500 | 3,805 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4749% | 4,637 |
| Cost of funding earning assets | 0.2185% | 3,572 |
| Net interest margin | 2.2565% | 4,561 |
| Noninterest income to average assets | 0.6063% | 2,188 |
| Noninterest expense to average assets | 1.9992% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7416% | 3,658 |
| Return on assets (ROA) | 0.7416% | 3,722 |
| Pretax return on assets | 0.7587% | 3,950 |
| Return on Equity (ROE) | 6.9291% | 3,674 |
| Retained earnings to average equity (ytd only) | 1.9611% | 4,122 |
| Net charge-offs to loans | 0.0063% | 1,916 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 443 |
| Efficiency ratio | 72.4915% | 1,382 |
| Assets per employee ($millions) | 6.9541% | 1,843 |
| Cash dividends to net income (ytd only)* | 71.6981% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,974 |
| Loan loss allowance to noncurrent loans | 315.1020% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 3,033 |
| Noncurrent loans to loans | 0.3788% | 2,537 |
| Net loans and leases to total assets | 48.3724% | 3,692 |
| Net loans and leases to deposits | 54.2555% | 3,842 |
| Net loans and leases to core deposits | 56.1749% | 3,877 |
| Total domestic deposits to total assets | 89.1566% | 1,196 |
| Equity capital to assets | 10.4006% | 2,488 |
| Core capital (leverage) ratio | 9.0500% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9363% | 1,136 |
| Memoranda: | ||
| Average total assets | $128,649,333 | 3,739 |
| Average earning assets | $122,669,333 | 3,704 |
| Average equity | $13,768,000 | 3,815 |
| Average total loans | $63,858,000 | 3,833 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4786% | 4,658 |
| Cost of funding earning assets | 0.2353% | 3,606 |
| Net interest margin | 2.2433% | 4,575 |
| Noninterest income to average assets | 0.5642% | 2,353 |
| Noninterest expense to average assets | 2.0518% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6304% | 3,864 |
| Return on assets (ROA) | 0.6304% | 3,932 |
| Pretax return on assets | 0.6461% | 4,115 |
| Return on Equity (ROE) | 5.8051% | 3,916 |
| Retained earnings to average equity (ytd only) | -1.7996% | 4,524 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0514% | 1,129 |
| Assets per employee ($millions) | 7.3687% | 1,544 |
| Cash dividends to net income (ytd only)* | 131.0000% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,630 |
| Loan loss allowance to noncurrent loans | 288.8060% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 3,143 |
| Noncurrent loans to loans | 0.4353% | 2,551 |
| Net loans and leases to total assets | 45.8379% | 3,969 |
| Net loans and leases to deposits | 51.3033% | 4,084 |
| Net loans and leases to core deposits | 52.9904% | 4,146 |
| Total domestic deposits to total assets | 89.3469% | 1,148 |
| Equity capital to assets | 10.1721% | 2,538 |
| Core capital (leverage) ratio | 9.2352% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1127% | 1,056 |
| Memoranda: | ||
| Average total assets | $126,910,500 | 3,765 |
| Average earning assets | $120,712,500 | 3,731 |
| Average equity | $13,781,000 | 3,814 |
| Average total loans | $63,444,500 | 3,860 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4341% | 4,152 |
| Cost of funding earning assets | 0.3402% | 3,923 |
| Net interest margin | 3.0939% | 3,645 |
| Noninterest income to average assets | 0.2677% | 3,879 |
| Noninterest expense to average assets | 2.1936% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9661% | 2,414 |
| Return on assets (ROA) | 0.9661% | 2,561 |
| Pretax return on assets | 0.9841% | 3,092 |
| Return on Equity (ROE) | 7.9659% | 2,835 |
| Retained earnings to average equity (ytd only) | 4.7037% | 2,417 |
| Net charge-offs to loans | -0.0590% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0301% | 2,090 |
| Assets per employee ($millions) | 6.7324% | 1,760 |
| Cash dividends to net income (ytd only)* | 40.9515% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 3,029 |
| Loan loss allowance to noncurrent loans | 287.7323% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 3,182 |
| Noncurrent loans to loans | 0.4118% | 2,744 |
| Net loans and leases to total assets | 53.2603% | 3,551 |
| Net loans and leases to deposits | 60.6208% | 3,713 |
| Net loans and leases to core deposits | 62.8376% | 3,783 |
| Total domestic deposits to total assets | 87.8581% | 1,552 |
| Equity capital to assets | 11.6104% | 1,801 |
| Core capital (leverage) ratio | 10.2031% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4170% | 1,166 |
| Memoranda: | ||
| Average total assets | $110,961,400 | 3,869 |
| Average earning assets | $104,365,000 | 3,843 |
| Average equity | $13,457,400 | 3,818 |
| Average total loans | $67,778,800 | 3,779 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 4,016 |
| Cost of funding earning assets | 0.3589% | 4,005 |
| Net interest margin | 3.2382% | 3,373 |
| Noninterest income to average assets | 0.2644% | 3,880 |
| Noninterest expense to average assets | 2.2397% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0467% | 2,162 |
| Return on assets (ROA) | 1.0467% | 2,287 |
| Pretax return on assets | 1.0651% | 2,866 |
| Return on Equity (ROE) | 8.5284% | 2,590 |
| Retained earnings to average equity (ytd only) | 4.1289% | 2,980 |
| Net charge-offs to loans | -0.0780% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7707% | 2,221 |
| Assets per employee ($millions) | 6.1037% | 2,177 |
| Cash dividends to net income (ytd only)* | 51.5864% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,905 |
| Loan loss allowance to noncurrent loans | 278.4173% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,241 |
| Noncurrent loans to loans | 0.4155% | 2,812 |
| Net loans and leases to total assets | 57.0194% | 3,522 |
| Net loans and leases to deposits | 67.8306% | 3,481 |
| Net loans and leases to core deposits | 71.1361% | 3,549 |
| Total domestic deposits to total assets | 84.0615% | 2,798 |
| Equity capital to assets | 12.0047% | 1,673 |
| Core capital (leverage) ratio | 10.3691% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2371% | 1,203 |
| Memoranda: | ||
| Average total assets | $108,405,750 | 3,895 |
| Average earning assets | $101,781,000 | 3,868 |
| Average equity | $13,304,250 | 3,839 |
| Average total loans | $68,394,250 | 3,784 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 3,886 |
| Cost of funding earning assets | 0.3813% | 4,119 |
| Net interest margin | 3.4078% | 3,075 |
| Noninterest income to average assets | 0.2739% | 3,837 |
| Noninterest expense to average assets | 2.2440% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2013% | 1,634 |
| Return on assets (ROA) | 1.2013% | 1,761 |
| Pretax return on assets | 1.2202% | 2,293 |
| Return on Equity (ROE) | 9.7112% | 2,076 |
| Retained earnings to average equity (ytd only) | 4.2601% | 2,795 |
| Net charge-offs to loans | -0.1161% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7764% | 2,698 |
| Assets per employee ($millions) | 6.0197% | 2,172 |
| Cash dividends to net income (ytd only)* | 56.1321% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 2,926 |
| Loan loss allowance to noncurrent loans | 119.4444% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 2,013 |
| Noncurrent loans to loans | 0.9382% | 1,650 |
| Net loans and leases to total assets | 63.0308% | 3,002 |
| Net loans and leases to deposits | 75.8923% | 2,882 |
| Net loans and leases to core deposits | 79.8889% | 2,957 |
| Total domestic deposits to total assets | 83.0529% | 3,073 |
| Equity capital to assets | 12.7156% | 1,276 |
| Core capital (leverage) ratio | 10.8158% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5423% | 1,356 |
| Memoranda: | ||
| Average total assets | $105,884,000 | 3,912 |
| Average earning assets | $99,124,667 | 3,891 |
| Average equity | $13,098,333 | 3,859 |
| Average total loans | $68,892,333 | 3,778 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 4,239 |
| Cost of funding earning assets | 0.4100% | 4,330 |
| Net interest margin | 3.3866% | 3,335 |
| Noninterest income to average assets | 0.2140% | 4,267 |
| Noninterest expense to average assets | 2.2896% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0626% | 1,958 |
| Return on assets (ROA) | 1.0626% | 2,063 |
| Pretax return on assets | 1.0817% | 2,586 |
| Return on Equity (ROE) | 8.7158% | 2,226 |
| Retained earnings to average equity (ytd only) | -0.1568% | 4,018 |
| Net charge-offs to loans | 0.0116% | 2,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 447 |
| Efficiency ratio | 67.9138% | 2,679 |
| Assets per employee ($millions) | 5.7756% | 1,864 |
| Cash dividends to net income (ytd only)* | 101.7986% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,324 |
| Loan loss allowance to noncurrent loans | 172.6415% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 2,826 |
| Noncurrent loans to loans | 0.6238% | 2,431 |
| Net loans and leases to total assets | 64.6733% | 2,984 |
| Net loans and leases to deposits | 74.7521% | 3,192 |
| Net loans and leases to core deposits | 78.4557% | 3,318 |
| Total domestic deposits to total assets | 86.5171% | 1,769 |
| Equity capital to assets | 12.2969% | 1,858 |
| Core capital (leverage) ratio | 10.9168% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3818% | 3,253 |
| Memoranda: | ||
| Average total assets | $104,648,500 | 3,919 |
| Average earning assets | $97,561,500 | 3,904 |
| Average equity | $12,758,500 | 3,906 |
| Average total loans | $68,803,000 | 3,786 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,375 |
| Cost of funding earning assets | 0.4081% | 4,417 |
| Net interest margin | 3.5241% | 3,364 |
| Noninterest income to average assets | 0.2306% | 4,289 |
| Noninterest expense to average assets | 2.1662% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3485% | 1,511 |
| Return on assets (ROA) | 1.3495% | 1,585 |
| Pretax return on assets | 1.3616% | 2,289 |
| Return on Equity (ROE) | 11.1777% | 1,817 |
| Retained earnings to average equity (ytd only) | 6.8150% | 1,473 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4220% | 3,474 |
| Assets per employee ($millions) | 5.8520% | 1,754 |
| Cash dividends to net income (ytd only)* | 39.0299% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,197 |
| Loan loss allowance to noncurrent loans | 194.6950% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 2,968 |
| Noncurrent loans to loans | 0.5414% | 2,552 |
| Net loans and leases to total assets | 65.4145% | 3,023 |
| Net loans and leases to deposits | 78.9028% | 2,915 |
| Net loans and leases to core deposits | 82.9062% | 3,048 |
| Total domestic deposits to total assets | 82.9052% | 3,228 |
| Equity capital to assets | 12.0880% | 2,085 |
| Core capital (leverage) ratio | 11.4285% | 2,164 |
| Tier 1 risk-based capital ratio | 15.0061% | 2,778 |
| Total risk-based capital ratio | 15.9905% | 2,814 |
| Memoranda: | ||
| Average total assets | $99,297,400 | 4,012 |
| Average earning assets | $92,874,600 | 4,000 |
| Average equity | $11,988,200 | 3,999 |
| Average total loans | $63,213,800 | 3,926 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 4,496 |
| Cost of funding earning assets | 0.3958% | 4,520 |
| Net interest margin | 3.5319% | 3,465 |
| Noninterest income to average assets | 0.2331% | 4,343 |
| Noninterest expense to average assets | 2.2170% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3239% | 1,755 |
| Return on assets (ROA) | 1.3239% | 1,824 |
| Pretax return on assets | 1.3375% | 2,534 |
| Return on Equity (ROE) | 10.9696% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.0612% | 2,864 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3705% | 3,268 |
| Assets per employee ($millions) | 5.7304% | 1,820 |
| Cash dividends to net income (ytd only)* | 53.8625% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 2,857 |
| Loan loss allowance to noncurrent loans | 394.6237% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,802 |
| Noncurrent loans to loans | 0.2872% | 3,510 |
| Net loans and leases to total assets | 65.7165% | 3,084 |
| Net loans and leases to deposits | 77.7656% | 3,122 |
| Net loans and leases to core deposits | 81.3839% | 3,285 |
| Total domestic deposits to total assets | 84.5058% | 2,627 |
| Equity capital to assets | 12.6795% | 1,790 |
| Core capital (leverage) ratio | 11.2720% | 2,405 |
| Tier 1 risk-based capital ratio | 15.4120% | 2,670 |
| Total risk-based capital ratio | 16.4575% | 2,682 |
| Memoranda: | ||
| Average total assets | $97,787,750 | 4,073 |
| Average earning assets | $91,959,250 | 4,055 |
| Average equity | $11,802,000 | 4,061 |
| Average total loans | $61,607,500 | 3,994 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 4,594 |
| Cost of funding earning assets | 0.3782% | 4,589 |
| Net interest margin | 3.4974% | 3,604 |
| Noninterest income to average assets | 0.2329% | 4,356 |
| Noninterest expense to average assets | 2.1795% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3236% | 1,682 |
| Return on assets (ROA) | 1.3236% | 1,736 |
| Pretax return on assets | 1.3400% | 2,413 |
| Return on Equity (ROE) | 11.1545% | 1,917 |
| Retained earnings to average equity (ytd only) | 4.5100% | 3,013 |
| Net charge-offs to loans | -0.0033% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9269% | 3,445 |
| Assets per employee ($millions) | 5.7751% | 1,717 |
| Cash dividends to net income (ytd only)* | 59.5679% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,362 |
| Loan loss allowance to noncurrent loans | 360.2941% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 3,747 |
| Noncurrent loans to loans | 0.3412% | 3,321 |
| Net loans and leases to total assets | 60.1440% | 3,721 |
| Net loans and leases to deposits | 69.0084% | 3,907 |
| Net loans and leases to core deposits | 72.5251% | 3,973 |
| Total domestic deposits to total assets | 87.1547% | 1,513 |
| Equity capital to assets | 12.3034% | 1,985 |
| Core capital (leverage) ratio | 11.0524% | 2,543 |
| Tier 1 risk-based capital ratio | 16.0712% | 2,375 |
| Total risk-based capital ratio | 17.1820% | 2,386 |
| Memoranda: | ||
| Average total assets | $97,911,330 | 4,100 |
| Average earning assets | $92,011,670 | 4,073 |
| Average equity | $11,618,670 | 4,097 |
| Average total loans | $60,559,000 | 4,042 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,697 |
| Cost of funding earning assets | 0.3617% | 4,639 |
| Net interest margin | 3.4469% | 3,758 |
| Noninterest income to average assets | 0.2577% | 4,165 |
| Noninterest expense to average assets | 2.1763% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2968% | 1,705 |
| Return on assets (ROA) | 1.2968% | 1,746 |
| Pretax return on assets | 1.3173% | 2,386 |
| Return on Equity (ROE) | 11.1340% | 1,898 |
| Retained earnings to average equity (ytd only) | 0.4917% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2951% | 3,488 |
| Assets per employee ($millions) | 5.8148% | 1,691 |
| Cash dividends to net income (ytd only)* | 95.5836% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,354 |
| Loan loss allowance to noncurrent loans | 332.1267% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 3,736 |
| Noncurrent loans to loans | 0.3748% | 3,239 |
| Net loans and leases to total assets | 58.9089% | 3,795 |
| Net loans and leases to deposits | 67.0791% | 3,978 |
| Net loans and leases to core deposits | 70.4442% | 4,062 |
| Total domestic deposits to total assets | 87.8201% | 1,436 |
| Equity capital to assets | 11.6974% | 2,236 |
| Core capital (leverage) ratio | 10.8268% | 2,744 |
| Tier 1 risk-based capital ratio | 15.9677% | 2,453 |
| Total risk-based capital ratio | 17.0961% | 2,444 |
| Memoranda: | ||
| Average total assets | $97,779,000 | 4,140 |
| Average earning assets | $91,793,500 | 4,113 |
| Average equity | $11,388,500 | 4,144 |
| Average total loans | $60,947,500 | 4,074 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 4,498 |
| Cost of funding earning assets | 0.3110% | 4,515 |
| Net interest margin | 3.4836% | 3,759 |
| Noninterest income to average assets | 0.2234% | 4,589 |
| Noninterest expense to average assets | 2.1686% | 4,409 |
| Loan and lease loss provision to assets | 0.1049% | 2,096 |
| Net operating income to assets | 1.1969% | 2,184 |
| Return on assets (ROA) | 1.2143% | 2,106 |
| Pretax return on assets | 1.2332% | 2,766 |
| Return on Equity (ROE) | 10.8045% | 2,163 |
| Retained earnings to average equity (ytd only) | 6.5032% | 1,920 |
| Net charge-offs to loans | -0.0017% | 4,217 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1581% | 3,491 |
| Assets per employee ($millions) | 5.0898% | 2,393 |
| Cash dividends to net income (ytd only)* | 39.8100% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,738 |
| Loan loss allowance to noncurrent loans | 312.3404% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 3,628 |
| Noncurrent loans to loans | 0.3734% | 3,200 |
| Net loans and leases to total assets | 64.3128% | 3,322 |
| Net loans and leases to deposits | 75.6557% | 3,374 |
| Net loans and leases to core deposits | 78.6482% | 3,526 |
| Total domestic deposits to total assets | 85.0073% | 2,647 |
| Equity capital to assets | 11.5959% | 2,180 |
| Core capital (leverage) ratio | 10.9560% | 2,569 |
| Tier 1 risk-based capital ratio | 15.0659% | 2,801 |
| Total risk-based capital ratio | 16.1321% | 2,819 |
| Memoranda: | ||
| Average total assets | $95,361,600 | 4,180 |
| Average earning assets | $89,390,800 | 4,153 |
| Average equity | $10,717,800 | 4,203 |
| Average total loans | $59,819,000 | 4,095 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,576 |
| Cost of funding earning assets | 0.2767% | 4,647 |
| Net interest margin | 3.4606% | 3,832 |
| Noninterest income to average assets | 0.2203% | 4,645 |
| Noninterest expense to average assets | 2.1762% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2712% | 1,961 |
| Return on assets (ROA) | 1.2712% | 1,965 |
| Pretax return on assets | 1.2909% | 2,661 |
| Return on Equity (ROE) | 11.4027% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.6007% | 2,886 |
| Net charge-offs to loans | -0.0023% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7681% | 3,379 |
| Assets per employee ($millions) | 4.9530% | 2,528 |
| Cash dividends to net income (ytd only)* | 50.8829% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,539 |
| Loan loss allowance to noncurrent loans | 257.7236% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,643 |
| Noncurrent loans to loans | 0.4033% | 3,205 |
| Net loans and leases to total assets | 64.1483% | 3,405 |
| Net loans and leases to deposits | 74.0530% | 3,588 |
| Net loans and leases to core deposits | 77.0079% | 3,737 |
| Total domestic deposits to total assets | 86.6248% | 1,908 |
| Equity capital to assets | 11.3966% | 2,334 |
| Core capital (leverage) ratio | 10.7801% | 2,816 |
| Tier 1 risk-based capital ratio | 14.9322% | 2,913 |
| Total risk-based capital ratio | 15.8677% | 2,985 |
| Memoranda: | ||
| Average total assets | $95,025,250 | 4,224 |
| Average earning assets | $89,153,250 | 4,202 |
| Average equity | $10,593,750 | 4,259 |
| Average total loans | $59,041,500 | 4,162 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 4,765 |
| Cost of funding earning assets | 0.2510% | 4,740 |
| Net interest margin | 3.3511% | 4,104 |
| Noninterest income to average assets | 0.2119% | 4,745 |
| Noninterest expense to average assets | 2.1441% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1853% | 2,257 |
| Return on assets (ROA) | 1.1853% | 2,258 |
| Pretax return on assets | 1.2042% | 2,927 |
| Return on Equity (ROE) | 10.7109% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.9242% | 3,644 |
| Net charge-offs to loans | -0.0034% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0351% | 3,313 |
| Assets per employee ($millions) | 5.6295% | 1,776 |
| Cash dividends to net income (ytd only)* | 63.3628% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,479 |
| Loan loss allowance to noncurrent loans | 246.6926% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 3,692 |
| Noncurrent loans to loans | 0.4299% | 3,159 |
| Net loans and leases to total assets | 61.8085% | 3,628 |
| Net loans and leases to deposits | 69.7876% | 3,878 |
| Net loans and leases to core deposits | 72.2502% | 3,990 |
| Total domestic deposits to total assets | 88.5666% | 1,113 |
| Equity capital to assets | 11.0175% | 2,625 |
| Core capital (leverage) ratio | 10.5953% | 2,927 |
| Tier 1 risk-based capital ratio | 14.6420% | 3,045 |
| Total risk-based capital ratio | 15.5815% | 3,113 |
| Memoranda: | ||
| Average total assets | $95,331,330 | 4,258 |
| Average earning assets | $89,225,330 | 4,237 |
| Average equity | $10,550,000 | 4,301 |
| Average total loans | $58,388,000 | 4,203 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 4,844 |
| Cost of funding earning assets | 0.2302% | 4,832 |
| Net interest margin | 3.2901% | 4,218 |
| Noninterest income to average assets | 0.2060% | 4,792 |
| Noninterest expense to average assets | 2.0768% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1729% | 2,122 |
| Return on assets (ROA) | 1.1729% | 2,132 |
| Pretax return on assets | 1.1940% | 2,777 |
| Return on Equity (ROE) | 10.5752% | 2,138 |
| Retained earnings to average equity (ytd only) | 0.3790% | 4,749 |
| Net charge-offs to loans | -0.0069% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4961% | 3,562 |
| Assets per employee ($millions) | 6.0340% | 1,488 |
| Cash dividends to net income (ytd only)* | 96.4158% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,175 |
| Loan loss allowance to noncurrent loans | 239.2453% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 3,774 |
| Noncurrent loans to loans | 0.4745% | 3,103 |
| Net loans and leases to total assets | 57.1915% | 4,014 |
| Net loans and leases to deposits | 64.3922% | 4,189 |
| Net loans and leases to core deposits | 66.6373% | 4,273 |
| Total domestic deposits to total assets | 88.8175% | 1,196 |
| Equity capital to assets | 10.7806% | 2,790 |
| Core capital (leverage) ratio | 10.1841% | 3,323 |
| Tier 1 risk-based capital ratio | 15.0111% | 2,858 |
| Total risk-based capital ratio | 15.9937% | 2,927 |
| Memoranda: | ||
| Average total assets | $95,146,000 | 4,303 |
| Average earning assets | $88,628,500 | 4,290 |
| Average equity | $10,553,000 | 4,346 |
| Average total loans | $57,689,000 | 4,255 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 4,902 |
| Cost of funding earning assets | 0.2028% | 4,925 |
| Net interest margin | 3.2260% | 4,372 |
| Noninterest income to average assets | 0.2178% | 4,846 |
| Noninterest expense to average assets | 1.9938% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2376% | 1,404 |
| Return on assets (ROA) | 1.2344% | 1,432 |
| Pretax return on assets | 1.2497% | 2,555 |
| Return on Equity (ROE) | 10.9266% | 1,512 |
| Retained earnings to average equity (ytd only) | 6.4223% | 1,323 |
| Net charge-offs to loans | 0.0017% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,145.0000% | 66 |
| Efficiency ratio | 61.4088% | 4,033 |
| Assets per employee ($millions) | 5.8593% | 1,616 |
| Cash dividends to net income (ytd only)* | 41.2234% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,525 |
| Loan loss allowance to noncurrent loans | 231.0219% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 3,716 |
| Noncurrent loans to loans | 0.4603% | 3,128 |
| Net loans and leases to total assets | 62.8237% | 3,506 |
| Net loans and leases to deposits | 71.2811% | 3,763 |
| Net loans and leases to core deposits | 73.8536% | 3,889 |
| Total domestic deposits to total assets | 88.1352% | 1,415 |
| Equity capital to assets | 11.4114% | 2,269 |
| Core capital (leverage) ratio | 10.4704% | 2,877 |
| Tier 1 risk-based capital ratio | 14.3802% | 3,152 |
| Total risk-based capital ratio | 15.3210% | 3,222 |
| Memoranda: | ||
| Average total assets | $91,383,600 | 4,402 |
| Average earning assets | $85,803,000 | 4,363 |
| Average equity | $10,323,400 | 4,400 |
| Average total loans | $57,772,600 | 4,252 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3647% | 5,010 |
| Cost of funding earning assets | 0.1963% | 5,006 |
| Net interest margin | 3.1684% | 4,538 |
| Noninterest income to average assets | 0.2291% | 4,843 |
| Noninterest expense to average assets | 1.9972% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2056% | 1,669 |
| Return on assets (ROA) | 1.2012% | 1,720 |
| Pretax return on assets | 1.2145% | 2,843 |
| Return on Equity (ROE) | 10.6615% | 1,841 |
| Retained earnings to average equity (ytd only) | 4.6008% | 3,143 |
| Net charge-offs to loans | 0.0023% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 832.0602% | 122 |
| Efficiency ratio | 62.1005% | 3,868 |
| Assets per employee ($millions) | 5.8161% | 1,639 |
| Cash dividends to net income (ytd only)* | 56.8455% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,589 |
| Loan loss allowance to noncurrent loans | 179.8295% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 3,514 |
| Noncurrent loans to loans | 0.6018% | 2,901 |
| Net loans and leases to total assets | 62.1748% | 3,631 |
| Net loans and leases to deposits | 70.5069% | 3,919 |
| Net loans and leases to core deposits | 73.0881% | 4,050 |
| Total domestic deposits to total assets | 88.1825% | 1,268 |
| Equity capital to assets | 11.4124% | 2,453 |
| Core capital (leverage) ratio | 10.5361% | 2,947 |
| Tier 1 risk-based capital ratio | 14.1489% | 3,378 |
| Total risk-based capital ratio | 15.1052% | 3,440 |
| Memoranda: | ||
| Average total assets | $90,792,500 | 4,455 |
| Average earning assets | $85,593,250 | 4,409 |
| Average equity | $10,229,750 | 4,456 |
| Average total loans | $57,333,500 | 4,299 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3019% | 5,104 |
| Cost of funding earning assets | 0.1905% | 5,065 |
| Net interest margin | 3.1114% | 4,651 |
| Noninterest income to average assets | 0.2310% | 4,854 |
| Noninterest expense to average assets | 2.0014% | 4,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1572% | 1,752 |
| Return on assets (ROA) | 1.1506% | 1,827 |
| Pretax return on assets | 1.1617% | 2,920 |
| Return on Equity (ROE) | 10.2578% | 1,931 |
| Retained earnings to average equity (ytd only) | 3.1090% | 3,861 |
| Net charge-offs to loans | 0.0035% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 160 |
| Efficiency ratio | 63.1395% | 3,809 |
| Assets per employee ($millions) | 5.5939% | 1,791 |
| Cash dividends to net income (ytd only)* | 69.6911% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,663 |
| Loan loss allowance to noncurrent loans | 172.9508% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 3,472 |
| Noncurrent loans to loans | 0.6276% | 2,851 |
| Net loans and leases to total assets | 64.4504% | 3,322 |
| Net loans and leases to deposits | 73.2741% | 3,622 |
| Net loans and leases to core deposits | 74.3354% | 3,912 |
| Total domestic deposits to total assets | 87.9579% | 1,474 |
| Equity capital to assets | 11.6577% | 2,182 |
| Core capital (leverage) ratio | 10.2408% | 3,218 |
| Tier 1 risk-based capital ratio | 13.9799% | 3,435 |
| Total risk-based capital ratio | 14.9451% | 3,510 |
| Memoranda: | ||
| Average total assets | $90,037,670 | 4,497 |
| Average earning assets | $85,041,670 | 4,444 |
| Average equity | $10,099,670 | 4,498 |
| Average total loans | $56,947,670 | 4,334 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1461% | 5,316 |
| Cost of funding earning assets | 0.1732% | 5,208 |
| Net interest margin | 2.9729% | 4,948 |
| Noninterest income to average assets | 0.2259% | 4,920 |
| Noninterest expense to average assets | 2.0154% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0188% | 2,230 |
| Return on assets (ROA) | 1.0188% | 2,282 |
| Pretax return on assets | 1.0232% | 3,271 |
| Return on Equity (ROE) | 9.2625% | 2,289 |
| Retained earnings to average equity (ytd only) | -1.4498% | 5,121 |
| Net charge-offs to loans | 0.0071% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 247 |
| Efficiency ratio | 66.3265% | 3,439 |
| Assets per employee ($millions) | 5.7127% | 1,715 |
| Cash dividends to net income (ytd only)* | 115.6522% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,472 |
| Loan loss allowance to noncurrent loans | 152.8986% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 3,386 |
| Noncurrent loans to loans | 0.7446% | 2,628 |
| Net loans and leases to total assets | 60.1381% | 3,772 |
| Net loans and leases to deposits | 68.3588% | 3,961 |
| Net loans and leases to core deposits | 69.3279% | 4,197 |
| Total domestic deposits to total assets | 87.9741% | 1,730 |
| Equity capital to assets | 10.9340% | 2,707 |
| Core capital (leverage) ratio | 9.7761% | 3,782 |
| Tier 1 risk-based capital ratio | 13.7705% | 3,618 |
| Total risk-based capital ratio | 14.7416% | 3,694 |
| Memoranda: | ||
| Average total assets | $90,305,000 | 4,536 |
| Average earning assets | $85,438,500 | 4,487 |
| Average equity | $9,932,500 | 4,552 |
| Average total loans | $56,262,500 | 4,394 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0879% | 5,417 |
| Cost of funding earning assets | 0.1656% | 5,311 |
| Net interest margin | 2.9223% | 5,089 |
| Noninterest income to average assets | 0.2162% | 5,122 |
| Noninterest expense to average assets | 1.9757% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9789% | 2,443 |
| Return on assets (ROA) | 0.9778% | 2,557 |
| Pretax return on assets | 0.9867% | 3,524 |
| Return on Equity (ROE) | 8.7276% | 2,552 |
| Retained earnings to average equity (ytd only) | 1.4296% | 4,692 |
| Net charge-offs to loans | 0.1006% | 2,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 16.6415% | 2,097 |
| Efficiency ratio | 66.6667% | 3,487 |
| Assets per employee ($millions) | 5.5754% | 1,804 |
| Cash dividends to net income (ytd only)* | 83.6197% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,629 |
| Loan loss allowance to noncurrent loans | 188.1306% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 3,762 |
| Noncurrent loans to loans | 0.5920% | 3,076 |
| Net loans and leases to total assets | 63.1004% | 3,470 |
| Net loans and leases to deposits | 74.1556% | 3,495 |
| Net loans and leases to core deposits | 75.2681% | 3,815 |
| Total domestic deposits to total assets | 85.0920% | 3,008 |
| Equity capital to assets | 11.0653% | 2,571 |
| Core capital (leverage) ratio | 10.1735% | 3,264 |
| Tier 1 risk-based capital ratio | 13.6821% | 3,657 |
| Total risk-based capital ratio | 14.6447% | 3,734 |
| Memoranda: | ||
| Average total assets | $89,286,400 | 4,558 |
| Average earning assets | $83,939,600 | 4,519 |
| Average equity | $10,002,800 | 4,574 |
| Average total loans | $52,674,400 | 4,502 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0387% | 5,542 |
| Cost of funding earning assets | 0.1606% | 5,408 |
| Net interest margin | 2.8781% | 5,222 |
| Noninterest income to average assets | 0.2180% | 5,160 |
| Noninterest expense to average assets | 1.9976% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9226% | 2,798 |
| Return on assets (ROA) | 0.9212% | 2,926 |
| Pretax return on assets | 0.9212% | 3,907 |
| Return on Equity (ROE) | 8.1972% | 2,909 |
| Retained earnings to average equity (ytd only) | -1.2488% | 5,522 |
| Net charge-offs to loans | 0.1318% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.1174% | 2,419 |
| Efficiency ratio | 68.4049% | 3,157 |
| Assets per employee ($millions) | 5.5614% | 1,792 |
| Cash dividends to net income (ytd only)* | 115.2349% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 3,304 |
| Loan loss allowance to noncurrent loans | 180.6818% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 3,583 |
| Noncurrent loans to loans | 0.6582% | 3,055 |
| Net loans and leases to total assets | 59.3900% | 3,957 |
| Net loans and leases to deposits | 68.1115% | 4,139 |
| Net loans and leases to core deposits | 68.8901% | 4,404 |
| Total domestic deposits to total assets | 87.1953% | 1,805 |
| Equity capital to assets | 11.5404% | 2,481 |
| Core capital (leverage) ratio | 10.1436% | 3,386 |
| Tier 1 risk-based capital ratio | 13.8422% | 3,642 |
| Total risk-based capital ratio | 14.8455% | 3,716 |
| Memoranda: | ||
| Average total assets | $89,306,250 | 4,596 |
| Average earning assets | $83,850,500 | 4,557 |
| Average equity | $10,035,750 | 4,607 |
| Average total loans | $51,612,000 | 4,567 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9910% | 5,661 |
| Cost of funding earning assets | 0.1572% | 5,498 |
| Net interest margin | 2.8338% | 5,376 |
| Noninterest income to average assets | 0.2125% | 5,218 |
| Noninterest expense to average assets | 2.0198% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8545% | 3,077 |
| Return on assets (ROA) | 0.8522% | 3,205 |
| Pretax return on assets | 0.8522% | 4,114 |
| Return on Equity (ROE) | 7.6521% | 3,172 |
| Retained earnings to average equity (ytd only) | -5.3424% | 5,760 |
| Net charge-offs to loans | 0.1294% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.5758% | 2,250 |
| Efficiency ratio | 70.2724% | 2,937 |
| Assets per employee ($millions) | 5.5049% | 1,798 |
| Cash dividends to net income (ytd only)* | 169.8163% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 3,075 |
| Loan loss allowance to noncurrent loans | 152.4476% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 3,584 |
| Noncurrent loans to loans | 0.8196% | 2,693 |
| Net loans and leases to total assets | 58.6843% | 4,050 |
| Net loans and leases to deposits | 66.5816% | 4,299 |
| Net loans and leases to core deposits | 67.0133% | 4,543 |
| Total domestic deposits to total assets | 88.1389% | 1,360 |
| Equity capital to assets | 11.5137% | 2,535 |
| Core capital (leverage) ratio | 9.7499% | 3,872 |
| Tier 1 risk-based capital ratio | 14.1971% | 3,496 |
| Total risk-based capital ratio | 15.2763% | 3,508 |
| Memoranda: | ||
| Average total assets | $89,414,000 | 4,627 |
| Average earning assets | $83,985,000 | 4,588 |
| Average equity | $9,958,000 | 4,652 |
| Average total loans | $50,988,330 | 4,611 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9114% | 5,772 |
| Cost of funding earning assets | 0.1515% | 5,597 |
| Net interest margin | 2.7599% | 5,530 |
| Noninterest income to average assets | 0.2176% | 5,181 |
| Noninterest expense to average assets | 2.0426% | 5,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7637% | 3,423 |
| Return on assets (ROA) | 0.7637% | 3,532 |
| Pretax return on assets | 0.7637% | 4,330 |
| Return on Equity (ROE) | 6.9731% | 3,472 |
| Retained earnings to average equity (ytd only) | -16.7841% | 5,927 |
| Net charge-offs to loans | 0.2624% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.2121% | 2,350 |
| Efficiency ratio | 72.7848% | 2,682 |
| Assets per employee ($millions) | 5.6894% | 1,674 |
| Cash dividends to net income (ytd only)* | 340.6977% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,888 |
| Loan loss allowance to noncurrent loans | 167.6923% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 3,874 |
| Noncurrent loans to loans | 0.7758% | 2,897 |
| Net loans and leases to total assets | 54.5023% | 4,399 |
| Net loans and leases to deposits | 61.2821% | 4,630 |
| Net loans and leases to core deposits | 61.8559% | 4,825 |
| Total domestic deposits to total assets | 88.9367% | 1,135 |
| Equity capital to assets | 10.6755% | 3,284 |
| Core capital (leverage) ratio | 9.5069% | 4,184 |
| Tier 1 risk-based capital ratio | 14.3961% | 3,449 |
| Total risk-based capital ratio | 15.5097% | 3,451 |
| Memoranda: | ||
| Average total assets | $90,082,000 | 4,659 |
| Average earning assets | $84,496,000 | 4,605 |
| Average equity | $9,866,500 | 4,681 |
| Average total loans | $50,311,500 | 4,664 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7953% | 5,883 |
| Cost of funding earning assets | 0.1591% | 5,623 |
| Net interest margin | 2.6362% | 5,722 |
| Noninterest income to average assets | 0.2381% | 5,172 |
| Noninterest expense to average assets | 1.9718% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7559% | 3,544 |
| Return on assets (ROA) | 0.7628% | 3,599 |
| Pretax return on assets | 0.7628% | 4,327 |
| Return on Equity (ROE) | 6.7678% | 3,636 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,236 |
| Net charge-offs to loans | -0.0557% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4661% | 3,990 |
| Assets per employee ($millions) | 5.5708% | 1,722 |
| Cash dividends to net income (ytd only)* | 41.8182% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 2,587 |
| Loan loss allowance to noncurrent loans | 153.6913% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 3,634 |
| Noncurrent loans to loans | 0.8877% | 2,579 |
| Net loans and leases to total assets | 55.7235% | 4,317 |
| Net loans and leases to deposits | 63.0297% | 4,537 |
| Net loans and leases to core deposits | 63.6353% | 4,758 |
| Total domestic deposits to total assets | 88.4083% | 1,422 |
| Equity capital to assets | 11.2360% | 2,608 |
| Core capital (leverage) ratio | 10.0888% | 3,390 |
| Tier 1 risk-based capital ratio | 15.1960% | 3,081 |
| Total risk-based capital ratio | 16.3731% | 3,051 |
| Memoranda: | ||
| Average total assets | $86,522,000 | 4,736 |
| Average earning assets | $81,708,200 | 4,679 |
| Average equity | $9,752,000 | 4,698 |
| Average total loans | $46,677,000 | 4,768 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7591% | 5,989 |
| Cost of funding earning assets | 0.1608% | 5,698 |
| Net interest margin | 2.5983% | 5,835 |
| Noninterest income to average assets | 0.2515% | 5,138 |
| Noninterest expense to average assets | 1.9983% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7127% | 3,850 |
| Return on assets (ROA) | 0.7205% | 3,919 |
| Pretax return on assets | 0.7205% | 4,610 |
| Return on Equity (ROE) | 6.3869% | 3,968 |
| Retained earnings to average equity (ytd only) | 2.7254% | 4,477 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7113% | 2,606 |
| Assets per employee ($millions) | 5.3846% | 1,876 |
| Cash dividends to net income (ytd only)* | 57.3281% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,622 |
| Loan loss allowance to noncurrent loans | 145.5947% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 3,735 |
| Noncurrent loans to loans | 0.9591% | 2,585 |
| Net loans and leases to total assets | 54.1792% | 4,550 |
| Net loans and leases to deposits | 62.3399% | 4,698 |
| Net loans and leases to core deposits | 62.7581% | 4,883 |
| Total domestic deposits to total assets | 86.9093% | 2,094 |
| Equity capital to assets | 11.4842% | 2,522 |
| Core capital (leverage) ratio | 10.0722% | 3,536 |
| Tier 1 risk-based capital ratio | 15.4181% | 3,088 |
| Total risk-based capital ratio | 16.5918% | 3,049 |
| Memoranda: | ||
| Average total assets | $85,869,250 | 4,807 |
| Average earning assets | $81,281,250 | 4,748 |
| Average equity | $9,686,250 | 4,773 |
| Average total loans | $45,757,500 | 4,853 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6940% | 6,081 |
| Cost of funding earning assets | 0.1622% | 5,762 |
| Net interest margin | 2.5318% | 5,934 |
| Noninterest income to average assets | 0.2425% | 5,225 |
| Noninterest expense to average assets | 1.9983% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6459% | 4,142 |
| Return on assets (ROA) | 0.6575% | 4,194 |
| Pretax return on assets | 0.6575% | 4,800 |
| Return on Equity (ROE) | 5.8646% | 4,199 |
| Retained earnings to average equity (ytd only) | 1.3102% | 5,026 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5732% | 2,439 |
| Assets per employee ($millions) | 5.6849% | 1,583 |
| Cash dividends to net income (ytd only)* | 77.6596% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 2,597 |
| Loan loss allowance to noncurrent loans | 143.0736% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 3,809 |
| Noncurrent loans to loans | 1.0015% | 2,641 |
| Net loans and leases to total assets | 53.3234% | 4,631 |
| Net loans and leases to deposits | 60.3192% | 4,825 |
| Net loans and leases to core deposits | 60.8462% | 5,021 |
| Total domestic deposits to total assets | 88.4021% | 1,440 |
| Equity capital to assets | 11.2918% | 2,579 |
| Core capital (leverage) ratio | 9.9513% | 3,681 |
| Tier 1 risk-based capital ratio | 16.2226% | 2,748 |
| Total risk-based capital ratio | 17.4694% | 2,699 |
| Memoranda: | ||
| Average total assets | $85,774,670 | 4,861 |
| Average earning assets | $81,365,330 | 4,795 |
| Average equity | $9,617,000 | 4,818 |
| Average total loans | $45,230,670 | 4,912 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5994% | 6,183 |
| Cost of funding earning assets | 0.1569% | 5,869 |
| Net interest margin | 2.4424% | 6,073 |
| Noninterest income to average assets | 0.2511% | 5,164 |
| Noninterest expense to average assets | 2.0320% | 5,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5347% | 4,530 |
| Return on assets (ROA) | 0.5580% | 4,560 |
| Pretax return on assets | 0.5580% | 5,030 |
| Return on Equity (ROE) | 4.9943% | 4,527 |
| Retained earnings to average equity (ytd only) | -2.0809% | 5,697 |
| Net charge-offs to loans | 0.0089% | 3,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 440 |
| Efficiency ratio | 79.1667% | 2,009 |
| Assets per employee ($millions) | 6.0799% | 1,345 |
| Cash dividends to net income (ytd only)* | 141.6667% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 2,339 |
| Loan loss allowance to noncurrent loans | 140.4255% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 3,832 |
| Noncurrent loans to loans | 1.0875% | 2,586 |
| Net loans and leases to total assets | 49.9994% | 4,852 |
| Net loans and leases to deposits | 56.6336% | 5,010 |
| Net loans and leases to core deposits | 57.1315% | 5,180 |
| Total domestic deposits to total assets | 88.2858% | 1,669 |
| Equity capital to assets | 11.3382% | 2,610 |
| Core capital (leverage) ratio | 9.6847% | 4,033 |
| Tier 1 risk-based capital ratio | 16.1682% | 2,834 |
| Total risk-based capital ratio | 17.4177% | 2,778 |
| Memoranda: | ||
| Average total assets | $86,025,000 | 4,901 |
| Average earning assets | $81,558,000 | 4,830 |
| Average equity | $9,611,000 | 4,863 |
| Average total loans | $44,780,000 | 4,960 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6890% | 6,264 |
| Cost of funding earning assets | 0.1857% | 5,874 |
| Net interest margin | 2.5033% | 6,154 |
| Noninterest income to average assets | 0.2665% | 5,219 |
| Noninterest expense to average assets | 1.9109% | 5,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7307% | 3,730 |
| Return on assets (ROA) | 0.7307% | 3,840 |
| Pretax return on assets | 0.7307% | 4,506 |
| Return on Equity (ROE) | 6.8442% | 3,726 |
| Retained earnings to average equity (ytd only) | 3.6813% | 3,602 |
| Net charge-offs to loans | 0.0784% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.9722% | 1,873 |
| Efficiency ratio | 72.3386% | 3,149 |
| Assets per employee ($millions) | 6.2094% | 1,243 |
| Cash dividends to net income (ytd only)* | 46.2133% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 2,814 |
| Loan loss allowance to noncurrent loans | 139.4515% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 3,986 |
| Noncurrent loans to loans | 1.0229% | 2,782 |
| Net loans and leases to total assets | 52.5474% | 4,735 |
| Net loans and leases to deposits | 60.8555% | 4,823 |
| Net loans and leases to core deposits | 61.3904% | 5,050 |
| Total domestic deposits to total assets | 86.3478% | 2,644 |
| Equity capital to assets | 11.0099% | 2,887 |
| Core capital (leverage) ratio | 9.7254% | 3,935 |
| Tier 1 risk-based capital ratio | 16.3554% | 2,784 |
| Total risk-based capital ratio | 17.6218% | 2,719 |
| Memoranda: | ||
| Average total assets | $88,543,200 | 4,877 |
| Average earning assets | $84,009,600 | 4,788 |
| Average equity | $9,453,200 | 4,874 |
| Average total loans | $45,931,800 | 4,958 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6699% | 6,351 |
| Cost of funding earning assets | 0.1879% | 5,939 |
| Net interest margin | 2.4820% | 6,245 |
| Noninterest income to average assets | 0.2623% | 5,334 |
| Noninterest expense to average assets | 1.8857% | 5,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7330% | 3,766 |
| Return on assets (ROA) | 0.7330% | 3,870 |
| Pretax return on assets | 0.7330% | 4,581 |
| Return on Equity (ROE) | 6.9185% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.5275% | 3,427 |
| Net charge-offs to loans | -0.1018% | 6,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0092% | 3,176 |
| Assets per employee ($millions) | 5.8174% | 1,473 |
| Cash dividends to net income (ytd only)* | 34.5609% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 2,385 |
| Loan loss allowance to noncurrent loans | 144.9505% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 4,107 |
| Noncurrent loans to loans | 1.0882% | 2,894 |
| Net loans and leases to total assets | 52.3418% | 4,769 |
| Net loans and leases to deposits | 60.5499% | 4,895 |
| Net loans and leases to core deposits | 61.0786% | 5,114 |
| Total domestic deposits to total assets | 86.4441% | 2,617 |
| Equity capital to assets | 10.9602% | 2,996 |
| Core capital (leverage) ratio | 9.6223% | 4,204 |
| Tier 1 risk-based capital ratio | 16.2669% | 2,927 |
| Total risk-based capital ratio | 17.5190% | 2,875 |
| Memoranda: | ||
| Average total assets | $88,946,250 | 4,918 |
| Average earning assets | $84,444,750 | 4,824 |
| Average equity | $9,423,750 | 4,915 |
| Average total loans | $45,829,500 | 5,005 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6031% | 6,438 |
| Cost of funding earning assets | 0.1858% | 6,032 |
| Net interest margin | 2.4173% | 6,343 |
| Noninterest income to average assets | 0.2570% | 5,358 |
| Noninterest expense to average assets | 1.8836% | 6,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6703% | 3,989 |
| Return on assets (ROA) | 0.6703% | 4,088 |
| Pretax return on assets | 0.6703% | 4,734 |
| Return on Equity (ROE) | 6.3986% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.1804% | 3,508 |
| Net charge-offs to loans | 0.0482% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 27.2727% | 1,349 |
| Efficiency ratio | 73.7533% | 3,018 |
| Assets per employee ($millions) | 5.5716% | 1,634 |
| Cash dividends to net income (ytd only)* | 34.6667% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 2,776 |
| Loan loss allowance to noncurrent loans | 147.2103% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 4,433 |
| Noncurrent loans to loans | 1.0361% | 3,163 |
| Net loans and leases to total assets | 49.6848% | 4,990 |
| Net loans and leases to deposits | 55.7813% | 5,208 |
| Net loans and leases to core deposits | 56.2431% | 5,395 |
| Total domestic deposits to total assets | 89.0707% | 1,317 |
| Equity capital to assets | 10.6511% | 3,256 |
| Core capital (leverage) ratio | 9.3155% | 4,567 |
| Tier 1 risk-based capital ratio | 16.4343% | 2,858 |
| Total risk-based capital ratio | 17.6846% | 2,819 |
| Memoranda: | ||
| Average total assets | $89,508,000 | 4,942 |
| Average earning assets | $85,052,670 | 4,848 |
| Average equity | $9,377,000 | 4,941 |
| Average total loans | $45,637,330 | 5,043 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5456% | 6,535 |
| Cost of funding earning assets | 0.1879% | 6,090 |
| Net interest margin | 2.3577% | 6,444 |
| Noninterest income to average assets | 0.2542% | 5,331 |
| Noninterest expense to average assets | 1.8910% | 6,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6021% | 4,189 |
| Return on assets (ROA) | 0.6021% | 4,266 |
| Pretax return on assets | 0.6021% | 4,821 |
| Return on Equity (ROE) | 5.7952% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.8206% | 3,841 |
| Net charge-offs to loans | -0.0087% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8497% | 2,827 |
| Assets per employee ($millions) | 5.7595% | 1,488 |
| Cash dividends to net income (ytd only)* | 34.0741% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 2,844 |
| Loan loss allowance to noncurrent loans | 141.2955% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 4,540 |
| Noncurrent loans to loans | 1.1093% | 3,204 |
| Net loans and leases to total assets | 47.5671% | 5,176 |
| Net loans and leases to deposits | 53.1379% | 5,363 |
| Net loans and leases to core deposits | 53.7636% | 5,519 |
| Total domestic deposits to total assets | 89.5162% | 1,359 |
| Equity capital to assets | 10.1593% | 3,655 |
| Core capital (leverage) ratio | 9.0200% | 4,976 |
| Tier 1 risk-based capital ratio | 16.5927% | 2,852 |
| Total risk-based capital ratio | 17.8453% | 2,822 |
| Memoranda: | ||
| Average total assets | $89,689,000 | 4,979 |
| Average earning assets | $85,167,000 | 4,887 |
| Average equity | $9,318,000 | 4,972 |
| Average total loans | $45,967,000 | 5,078 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7277% | 6,531 |
| Cost of funding earning assets | 0.2167% | 6,202 |
| Net interest margin | 2.5109% | 6,365 |
| Noninterest income to average assets | 0.2407% | 5,621 |
| Noninterest expense to average assets | 1.8615% | 6,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7637% | 3,478 |
| Return on assets (ROA) | 0.8155% | 3,311 |
| Pretax return on assets | 0.8155% | 4,089 |
| Return on Equity (ROE) | 7.8048% | 3,141 |
| Retained earnings to average equity (ytd only) | 3.6063% | 3,659 |
| Net charge-offs to loans | 0.1127% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.8571% | 1,984 |
| Efficiency ratio | 70.9083% | 3,684 |
| Assets per employee ($millions) | 5.4516% | 1,697 |
| Cash dividends to net income (ytd only)* | 53.7931% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 3,328 |
| Loan loss allowance to noncurrent loans | 115.2066% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 4,172 |
| Noncurrent loans to loans | 1.2763% | 3,000 |
| Net loans and leases to total assets | 53.5448% | 4,648 |
| Net loans and leases to deposits | 60.1388% | 4,926 |
| Net loans and leases to core deposits | 60.6921% | 5,163 |
| Total domestic deposits to total assets | 89.0354% | 1,599 |
| Equity capital to assets | 10.6322% | 2,999 |
| Core capital (leverage) ratio | 9.2805% | 4,588 |
| Tier 1 risk-based capital ratio | 15.3724% | 3,448 |
| Total risk-based capital ratio | 16.6229% | 3,392 |
| Memoranda: | ||
| Average total assets | $88,904,800 | 5,000 |
| Average earning assets | $84,431,400 | 4,923 |
| Average equity | $9,289,200 | 5,019 |
| Average total loans | $43,472,000 | 5,218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6869% | 6,626 |
| Cost of funding earning assets | 0.2183% | 6,302 |
| Net interest margin | 2.4687% | 6,455 |
| Noninterest income to average assets | 0.2403% | 5,716 |
| Noninterest expense to average assets | 1.8569% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7299% | 3,704 |
| Return on assets (ROA) | 0.7986% | 3,483 |
| Pretax return on assets | 0.7986% | 4,296 |
| Return on Equity (ROE) | 7.6759% | 3,296 |
| Retained earnings to average equity (ytd only) | 3.0416% | 4,499 |
| Net charge-offs to loans | 0.1538% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.9798% | 2,413 |
| Efficiency ratio | 71.7830% | 3,445 |
| Assets per employee ($millions) | 5.4654% | 1,666 |
| Cash dividends to net income (ytd only)* | 60.3740% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 3,341 |
| Loan loss allowance to noncurrent loans | 112.6010% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 4,335 |
| Noncurrent loans to loans | 1.3583% | 3,148 |
| Net loans and leases to total assets | 51.3162% | 4,962 |
| Net loans and leases to deposits | 58.2651% | 5,161 |
| Net loans and leases to core deposits | 58.8056% | 5,380 |
| Total domestic deposits to total assets | 88.0738% | 2,085 |
| Equity capital to assets | 10.5059% | 3,268 |
| Core capital (leverage) ratio | 9.1295% | 4,927 |
| Tier 1 risk-based capital ratio | 15.5857% | 3,417 |
| Total risk-based capital ratio | 16.8362% | 3,380 |
| Memoranda: | ||
| Average total assets | $89,324,500 | 5,047 |
| Average earning assets | $84,902,250 | 4,954 |
| Average equity | $9,293,000 | 5,072 |
| Average total loans | $42,489,500 | 5,296 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6345% | 6,690 |
| Cost of funding earning assets | 0.2197% | 6,371 |
| Net interest margin | 2.4148% | 6,542 |
| Noninterest income to average assets | 0.2357% | 5,758 |
| Noninterest expense to average assets | 1.8455% | 6,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6870% | 3,867 |
| Return on assets (ROA) | 0.6870% | 4,038 |
| Pretax return on assets | 0.6870% | 4,726 |
| Return on Equity (ROE) | 6.6250% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.8438% | 5,094 |
| Net charge-offs to loans | 0.2412% | 2,274 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.1800% | 2,760 |
| Efficiency ratio | 72.8709% | 3,325 |
| Assets per employee ($millions) | 5.7470% | 1,385 |
| Cash dividends to net income (ytd only)* | 72.1683% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 3,084 |
| Loan loss allowance to noncurrent loans | 108.9202% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 4,479 |
| Noncurrent loans to loans | 1.4879% | 3,077 |
| Net loans and leases to total assets | 45.9468% | 5,540 |
| Net loans and leases to deposits | 53.3225% | 5,577 |
| Net loans and leases to core deposits | 54.8553% | 5,684 |
| Total domestic deposits to total assets | 86.1678% | 3,279 |
| Equity capital to assets | 9.7921% | 4,189 |
| Core capital (leverage) ratio | 8.7534% | 5,353 |
| Tier 1 risk-based capital ratio | 16.0800% | 3,146 |
| Total risk-based capital ratio | 17.3315% | 3,089 |
| Memoranda: | ||
| Average total assets | $89,950,670 | 5,063 |
| Average earning assets | $85,557,330 | 4,961 |
| Average equity | $9,328,330 | 5,099 |
| Average total loans | $41,462,330 | 5,358 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6225% | 6,774 |
| Cost of funding earning assets | 0.2178% | 6,488 |
| Net interest margin | 2.4047% | 6,594 |
| Noninterest income to average assets | 0.2428% | 5,719 |
| Noninterest expense to average assets | 1.9067% | 6,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6206% | 4,116 |
| Return on assets (ROA) | 0.6206% | 4,277 |
| Pretax return on assets | 0.6206% | 4,874 |
| Return on Equity (ROE) | 5.8163% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.4139% | 4,204 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4448% | 3,017 |
| Assets per employee ($millions) | 5.7329% | 1,457 |
| Cash dividends to net income (ytd only)* | 41.3043% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 2,222 |
| Loan loss allowance to noncurrent loans | 100.9472% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 4,357 |
| Noncurrent loans to loans | 1.9119% | 2,722 |
| Net loans and leases to total assets | 41.3259% | 5,887 |
| Net loans and leases to deposits | 46.2484% | 6,043 |
| Net loans and leases to core deposits | 47.5305% | 6,120 |
| Total domestic deposits to total assets | 89.3565% | 1,451 |
| Equity capital to assets | 10.3361% | 3,750 |
| Core capital (leverage) ratio | 8.7650% | 5,243 |
| Tier 1 risk-based capital ratio | 17.5193% | 2,552 |
| Total risk-based capital ratio | 18.7750% | 2,514 |
| Memoranda: | ||
| Average total assets | $88,950,000 | 5,127 |
| Average earning assets | $84,499,500 | 5,026 |
| Average equity | $9,490,500 | 5,112 |
| Average total loans | $40,721,000 | 5,433 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9770% | 6,783 |
| Cost of funding earning assets | 0.2505% | 6,669 |
| Net interest margin | 2.7265% | 6,484 |
| Noninterest income to average assets | 0.2633% | 5,577 |
| Noninterest expense to average assets | 1.8443% | 6,559 |
| Loan and lease loss provision to assets | 0.2657% | 2,518 |
| Net operating income to assets | 0.7368% | 3,571 |
| Return on assets (ROA) | 0.7368% | 3,817 |
| Pretax return on assets | 0.7368% | 4,533 |
| Return on Equity (ROE) | 6.5423% | 3,889 |
| Retained earnings to average equity (ytd only) | 2.9566% | 4,145 |
| Net charge-offs to loans | -0.0644% | 6,748 |
| Credit loss provision to net charge-offs | -865.3846% | 6,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7864% | 4,741 |
| Assets per employee ($millions) | 5.3858% | 1,805 |
| Cash dividends to net income (ytd only)* | 54.8077% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 2,776 |
| Loan loss allowance to noncurrent loans | 133.6918% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 4,849 |
| Noncurrent loans to loans | 1.3041% | 3,657 |
| Net loans and leases to total assets | 48.7891% | 5,330 |
| Net loans and leases to deposits | 55.0020% | 5,554 |
| Net loans and leases to core deposits | 56.6381% | 5,663 |
| Total domestic deposits to total assets | 88.7041% | 1,766 |
| Equity capital to assets | 11.0243% | 2,922 |
| Core capital (leverage) ratio | 9.3748% | 4,286 |
| Tier 1 risk-based capital ratio | 16.7414% | 2,779 |
| Total risk-based capital ratio | 17.9967% | 2,741 |
| Memoranda: | ||
| Average total assets | $84,693,000 | 5,232 |
| Average earning assets | $80,248,000 | 5,116 |
| Average equity | $9,538,000 | 5,094 |
| Average total loans | $40,365,800 | 5,487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9772% | 6,909 |
| Cost of funding earning assets | 0.2555% | 6,789 |
| Net interest margin | 2.7217% | 6,616 |
| Noninterest income to average assets | 0.2577% | 5,717 |
| Noninterest expense to average assets | 1.8658% | 6,589 |
| Loan and lease loss provision to assets | 0.0395% | 5,282 |
| Net operating income to assets | 0.9297% | 2,831 |
| Return on assets (ROA) | 0.9297% | 3,059 |
| Pretax return on assets | 0.9297% | 3,993 |
| Return on Equity (ROE) | 8.2114% | 3,178 |
| Retained earnings to average equity (ytd only) | 5.4323% | 3,081 |
| Net charge-offs to loans | -0.0838% | 6,817 |
| Credit loss provision to net charge-offs | -100.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8115% | 4,479 |
| Assets per employee ($millions) | 5.2829% | 1,844 |
| Cash dividends to net income (ytd only)* | 33.8440% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 4,786 |
| Loan loss allowance to noncurrent loans | 72.6667% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 4,511 |
| Noncurrent loans to loans | 1.7972% | 3,079 |
| Net loans and leases to total assets | 48.7270% | 5,459 |
| Net loans and leases to deposits | 55.2045% | 5,699 |
| Net loans and leases to core deposits | 56.8866% | 5,818 |
| Total domestic deposits to total assets | 88.2663% | 1,868 |
| Equity capital to assets | 11.4722% | 2,779 |
| Core capital (leverage) ratio | 9.4737% | 4,309 |
| Tier 1 risk-based capital ratio | 17.0600% | 2,709 |
| Total risk-based capital ratio | 18.2355% | 2,697 |
| Memoranda: | ||
| Average total assets | $84,323,000 | 5,289 |
| Average earning assets | $79,849,500 | 5,187 |
| Average equity | $9,547,500 | 5,141 |
| Average total loans | $39,760,000 | 5,588 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9805% | 6,979 |
| Cost of funding earning assets | 0.2557% | 6,891 |
| Net interest margin | 2.7248% | 6,678 |
| Noninterest income to average assets | 0.2540% | 5,764 |
| Noninterest expense to average assets | 1.8563% | 6,675 |
| Loan and lease loss provision to assets | 0.0593% | 4,909 |
| Net operating income to assets | 0.9186% | 2,815 |
| Return on assets (ROA) | 0.9186% | 3,084 |
| Pretax return on assets | 0.9186% | 4,011 |
| Return on Equity (ROE) | 8.1494% | 3,195 |
| Retained earnings to average equity (ytd only) | 5.2223% | 3,142 |
| Net charge-offs to loans | 0.0563% | 4,626 |
| Credit loss provision to net charge-offs | 227.2727% | 1,252 |
| Earnings coverage of net charge-offs (x) | 37.4545% | 920 |
| Efficiency ratio | 65.4941% | 4,621 |
| Assets per employee ($millions) | 5.3972% | 1,710 |
| Cash dividends to net income (ytd only)* | 35.9173% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,868 |
| Loan loss allowance to noncurrent loans | 67.2391% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 4,621 |
| Noncurrent loans to loans | 1.9403% | 3,010 |
| Net loans and leases to total assets | 44.5904% | 5,957 |
| Net loans and leases to deposits | 50.2729% | 6,164 |
| Net loans and leases to core deposits | 50.4739% | 6,320 |
| Total domestic deposits to total assets | 88.6967% | 1,709 |
| Equity capital to assets | 11.0764% | 3,040 |
| Core capital (leverage) ratio | 9.2240% | 4,567 |
| Tier 1 risk-based capital ratio | 17.9317% | 2,315 |
| Total risk-based capital ratio | 19.1066% | 2,309 |
| Memoranda: | ||
| Average total assets | $84,255,330 | 5,320 |
| Average earning assets | $79,784,670 | 5,214 |
| Average equity | $9,497,670 | 5,156 |
| Average total loans | $39,102,670 | 5,645 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0659% | 7,023 |
| Cost of funding earning assets | 0.2699% | 6,948 |
| Net interest margin | 2.7960% | 6,647 |
| Noninterest income to average assets | 0.2932% | 5,521 |
| Noninterest expense to average assets | 1.8749% | 6,688 |
| Loan and lease loss provision to assets | 0.1202% | 3,845 |
| Net operating income to assets | 0.9374% | 2,761 |
| Return on assets (ROA) | 0.9374% | 2,964 |
| Pretax return on assets | 0.9374% | 3,908 |
| Return on Equity (ROE) | 8.2418% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.1141% | 3,491 |
| Net charge-offs to loans | 0.1124% | 3,448 |
| Credit loss provision to net charge-offs | 227.2727% | 1,226 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,201 |
| Efficiency ratio | 63.9344% | 4,936 |
| Assets per employee ($millions) | 5.7561% | 1,471 |
| Cash dividends to net income (ytd only)* | 37.9487% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,863 |
| Loan loss allowance to noncurrent loans | 61.9976% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 4,605 |
| Noncurrent loans to loans | 2.1516% | 2,967 |
| Net loans and leases to total assets | 43.6050% | 6,051 |
| Net loans and leases to deposits | 49.1200% | 6,211 |
| Net loans and leases to core deposits | 49.3156% | 6,377 |
| Total domestic deposits to total assets | 88.7724% | 1,834 |
| Equity capital to assets | 10.9913% | 2,916 |
| Core capital (leverage) ratio | 9.2779% | 4,400 |
| Tier 1 risk-based capital ratio | 18.3295% | 2,196 |
| Total risk-based capital ratio | 19.5505% | 2,177 |
| Memoranda: | ||
| Average total assets | $83,205,500 | 5,381 |
| Average earning assets | $78,541,500 | 5,284 |
| Average equity | $9,464,000 | 5,180 |
| Average total loans | $39,146,500 | 5,676 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 7,052 |
| Cost of funding earning assets | 0.3903% | 6,918 |
| Net interest margin | 3.0107% | 6,512 |
| Noninterest income to average assets | 0.2821% | 5,513 |
| Noninterest expense to average assets | 1.9684% | 6,735 |
| Loan and lease loss provision to assets | 0.0621% | 5,833 |
| Net operating income to assets | 1.0985% | 1,841 |
| Return on assets (ROA) | 1.0985% | 1,957 |
| Pretax return on assets | 1.0985% | 2,843 |
| Return on Equity (ROE) | 9.6646% | 2,180 |
| Retained earnings to average equity (ytd only) | 5.4008% | 2,371 |
| Net charge-offs to loans | 0.1773% | 4,729 |
| Credit loss provision to net charge-offs | 75.7576% | 4,647 |
| Earnings coverage of net charge-offs (x) | 14.1515% | 1,480 |
| Efficiency ratio | 61.0405% | 5,598 |
| Assets per employee ($millions) | 5.3380% | 1,795 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 5,249 |
| Loan loss allowance to noncurrent loans | 92.0074% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 5,303 |
| Noncurrent loans to loans | 1.3405% | 4,134 |
| Net loans and leases to total assets | 49.5067% | 5,657 |
| Net loans and leases to deposits | 60.9884% | 5,365 |
| Net loans and leases to core deposits | 61.2750% | 5,727 |
| Total domestic deposits to total assets | 81.1740% | 5,397 |
| Equity capital to assets | 11.7872% | 2,276 |
| Core capital (leverage) ratio | 9.2990% | 4,330 |
| Tier 1 risk-based capital ratio | 17.2719% | 2,480 |
| Total risk-based capital ratio | 18.4088% | 2,490 |
| Memoranda: | ||
| Average total assets | $80,471,200 | 5,448 |
| Average earning assets | $76,094,200 | 5,343 |
| Average equity | $9,146,800 | 5,240 |
| Average total loans | $37,222,600 | 5,822 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 7,161 |
| Cost of funding earning assets | 0.4162% | 6,975 |
| Net interest margin | 2.9306% | 6,707 |
| Noninterest income to average assets | 0.2780% | 5,625 |
| Noninterest expense to average assets | 1.9775% | 6,737 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0740% | 2,065 |
| Return on assets (ROA) | 1.0740% | 2,208 |
| Pretax return on assets | 1.0740% | 3,118 |
| Return on Equity (ROE) | 9.5361% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.1419% | 2,467 |
| Net charge-offs to loans | 0.1900% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.4810% | 1,706 |
| Efficiency ratio | 62.9067% | 5,259 |
| Assets per employee ($millions) | 5.1970% | 1,935 |
| Cash dividends to net income (ytd only)* | 35.5930% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 5,695 |
| Loan loss allowance to noncurrent loans | 58.1749% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 4,851 |
| Noncurrent loans to loans | 1.9713% | 3,404 |
| Net loans and leases to total assets | 47.5815% | 6,003 |
| Net loans and leases to deposits | 57.4764% | 5,893 |
| Net loans and leases to core deposits | 57.9418% | 6,133 |
| Total domestic deposits to total assets | 82.7845% | 4,763 |
| Equity capital to assets | 11.4237% | 2,759 |
| Core capital (leverage) ratio | 9.2061% | 4,623 |
| Tier 1 risk-based capital ratio | 16.8430% | 2,698 |
| Total risk-based capital ratio | 17.8831% | 2,758 |
| Memoranda: | ||
| Average total assets | $80,571,500 | 5,487 |
| Average earning assets | $76,251,000 | 5,374 |
| Average equity | $9,074,000 | 5,287 |
| Average total loans | $36,494,500 | 5,897 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 7,239 |
| Cost of funding earning assets | 0.4427% | 7,036 |
| Net interest margin | 2.8972% | 6,793 |
| Noninterest income to average assets | 0.2885% | 5,571 |
| Noninterest expense to average assets | 1.9947% | 6,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0362% | 2,080 |
| Return on assets (ROA) | 1.0362% | 2,178 |
| Pretax return on assets | 1.0362% | 3,094 |
| Return on Equity (ROE) | 9.2473% | 2,415 |
| Retained earnings to average equity (ytd only) | 5.8215% | 2,530 |
| Net charge-offs to loans | 0.0906% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 25.8125% | 1,031 |
| Efficiency ratio | 63.8245% | 5,273 |
| Assets per employee ($millions) | 4.8752% | 2,289 |
| Cash dividends to net income (ytd only)* | 37.0460% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,592 |
| Loan loss allowance to noncurrent loans | 66.0000% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 5,060 |
| Noncurrent loans to loans | 2.1158% | 3,331 |
| Net loans and leases to total assets | 42.1723% | 6,579 |
| Net loans and leases to deposits | 47.6231% | 6,745 |
| Net loans and leases to core deposits | 48.5323% | 6,831 |
| Total domestic deposits to total assets | 88.5544% | 1,816 |
| Equity capital to assets | 11.1802% | 2,782 |
| Core capital (leverage) ratio | 9.1333% | 4,517 |
| Tier 1 risk-based capital ratio | 18.2758% | 2,080 |
| Total risk-based capital ratio | 19.5214% | 2,040 |
| Memoranda: | ||
| Average total assets | $79,711,330 | 5,558 |
| Average earning assets | $75,452,330 | 5,451 |
| Average equity | $8,932,330 | 5,344 |
| Average total loans | $35,318,000 | 6,007 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3785% | 7,278 |
| Cost of funding earning assets | 0.4927% | 6,994 |
| Net interest margin | 2.8858% | 6,781 |
| Noninterest income to average assets | 0.3123% | 5,430 |
| Noninterest expense to average assets | 2.0582% | 6,720 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9830% | 2,237 |
| Return on assets (ROA) | 0.9830% | 2,293 |
| Pretax return on assets | 0.9830% | 3,189 |
| Return on Equity (ROE) | 8.7616% | 2,581 |
| Retained earnings to average equity (ytd only) | 5.3391% | 2,975 |
| Net charge-offs to loans | -0.0113% | 6,393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6566% | 5,092 |
| Assets per employee ($millions) | 4.5003% | 2,888 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 4,103 |
| Loan loss allowance to noncurrent loans | 70.3297% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 5,109 |
| Noncurrent loans to loans | 2.1642% | 3,367 |
| Net loans and leases to total assets | 40.8950% | 6,711 |
| Net loans and leases to deposits | 46.0110% | 6,848 |
| Net loans and leases to core deposits | 46.9048% | 6,931 |
| Total domestic deposits to total assets | 88.8809% | 1,853 |
| Equity capital to assets | 10.8537% | 2,821 |
| Core capital (leverage) ratio | 8.8565% | 4,841 |
| Tier 1 risk-based capital ratio | 19.1509% | 1,761 |
| Total risk-based capital ratio | 20.4035% | 1,729 |
| Memoranda: | ||
| Average total assets | $78,127,500 | 5,640 |
| Average earning assets | $73,880,000 | 5,542 |
| Average equity | $8,765,500 | 5,391 |
| Average total loans | $35,253,500 | 6,066 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 7,225 |
| Cost of funding earning assets | 0.7234% | 6,810 |
| Net interest margin | 3.1371% | 6,421 |
| Noninterest income to average assets | 0.3388% | 5,363 |
| Noninterest expense to average assets | 2.0409% | 6,963 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2367% | 1,327 |
| Return on assets (ROA) | 1.2367% | 1,399 |
| Pretax return on assets | 1.2367% | 2,119 |
| Return on Equity (ROE) | 10.7419% | 1,668 |
| Retained earnings to average equity (ytd only) | 5.8290% | 1,919 |
| Net charge-offs to loans | -0.0442% | 7,436 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3781% | 5,989 |
| Assets per employee ($millions) | 4.7031% | 2,554 |
| Cash dividends to net income (ytd only)* | 45.7356% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 4,583 |
| Loan loss allowance to noncurrent loans | 76.8421% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 5,247 |
| Noncurrent loans to loans | 1.8037% | 3,814 |
| Net loans and leases to total assets | 48.3150% | 6,359 |
| Net loans and leases to deposits | 56.0624% | 6,444 |
| Net loans and leases to core deposits | 57.2714% | 6,617 |
| Total domestic deposits to total assets | 86.1807% | 3,259 |
| Equity capital to assets | 11.6133% | 2,178 |
| Core capital (leverage) ratio | 9.2237% | 4,132 |
| Tier 1 risk-based capital ratio | 17.6816% | 2,098 |
| Total risk-based capital ratio | 18.9330% | 2,065 |
| Memoranda: | ||
| Average total assets | $75,849,400 | 5,720 |
| Average earning assets | $71,052,400 | 5,631 |
| Average equity | $8,732,200 | 5,495 |
| Average total loans | $36,235,600 | 6,102 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 7,360 |
| Cost of funding earning assets | 0.7617% | 6,877 |
| Net interest margin | 3.1105% | 6,588 |
| Noninterest income to average assets | 0.3228% | 5,574 |
| Noninterest expense to average assets | 2.0824% | 6,883 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1491% | 1,737 |
| Return on assets (ROA) | 1.1491% | 1,839 |
| Pretax return on assets | 1.1491% | 2,674 |
| Return on Equity (ROE) | 10.0030% | 2,121 |
| Retained earnings to average equity (ytd only) | 6.9028% | 1,900 |
| Net charge-offs to loans | -0.0554% | 7,482 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5407% | 5,516 |
| Assets per employee ($millions) | 5.2345% | 1,891 |
| Cash dividends to net income (ytd only)* | 30.9924% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 4,399 |
| Loan loss allowance to noncurrent loans | 77.0393% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 5,410 |
| Noncurrent loans to loans | 1.8314% | 3,891 |
| Net loans and leases to total assets | 45.3883% | 6,749 |
| Net loans and leases to deposits | 51.5581% | 6,908 |
| Net loans and leases to core deposits | 53.2825% | 6,992 |
| Total domestic deposits to total assets | 88.0333% | 1,934 |
| Equity capital to assets | 11.6457% | 2,414 |
| Core capital (leverage) ratio | 9.2145% | 4,343 |
| Tier 1 risk-based capital ratio | 17.9637% | 2,030 |
| Total risk-based capital ratio | 19.2140% | 1,996 |
| Memoranda: | ||
| Average total assets | $75,999,250 | 5,773 |
| Average earning assets | $71,069,250 | 5,698 |
| Average equity | $8,730,500 | 5,569 |
| Average total loans | $36,077,500 | 6,200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 7,406 |
| Cost of funding earning assets | 0.7993% | 6,917 |
| Net interest margin | 3.1315% | 6,514 |
| Noninterest income to average assets | 0.2927% | 5,808 |
| Noninterest expense to average assets | 2.1049% | 6,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1070% | 1,829 |
| Return on assets (ROA) | 1.1070% | 1,902 |
| Pretax return on assets | 1.1070% | 2,762 |
| Return on Equity (ROE) | 9.6827% | 2,216 |
| Retained earnings to average equity (ytd only) | 6.1913% | 2,231 |
| Net charge-offs to loans | -0.0832% | 7,528 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5460% | 5,425 |
| Assets per employee ($millions) | 4.7393% | 2,521 |
| Cash dividends to net income (ytd only)* | 36.0577% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,221 |
| Loan loss allowance to noncurrent loans | 77.3900% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 5,384 |
| Noncurrent loans to loans | 1.8633% | 3,916 |
| Net loans and leases to total assets | 45.9698% | 6,780 |
| Net loans and leases to deposits | 52.2272% | 6,964 |
| Net loans and leases to core deposits | 54.0342% | 7,033 |
| Total domestic deposits to total assets | 88.0189% | 1,993 |
| Equity capital to assets | 11.6817% | 2,294 |
| Core capital (leverage) ratio | 9.0326% | 4,553 |
| Tier 1 risk-based capital ratio | 17.8137% | 2,003 |
| Total risk-based capital ratio | 19.0661% | 1,968 |
| Memoranda: | ||
| Average total assets | $75,159,670 | 5,829 |
| Average earning assets | $70,062,670 | 5,772 |
| Average equity | $8,592,670 | 5,609 |
| Average total loans | $36,054,000 | 6,242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 7,460 |
| Cost of funding earning assets | 0.8642% | 6,890 |
| Net interest margin | 3.1283% | 6,522 |
| Noninterest income to average assets | 0.2833% | 5,871 |
| Noninterest expense to average assets | 2.1169% | 6,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0692% | 1,935 |
| Return on assets (ROA) | 1.0692% | 2,009 |
| Pretax return on assets | 1.0692% | 2,843 |
| Return on Equity (ROE) | 9.4563% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.0520% | 2,598 |
| Net charge-offs to loans | -0.0440% | 7,310 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4295% | 5,406 |
| Assets per employee ($millions) | 4.7834% | 2,529 |
| Cash dividends to net income (ytd only)* | 36.0000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 4,231 |
| Loan loss allowance to noncurrent loans | 84.8639% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 5,611 |
| Noncurrent loans to loans | 1.6919% | 4,205 |
| Net loans and leases to total assets | 44.7573% | 6,924 |
| Net loans and leases to deposits | 50.9611% | 7,085 |
| Net loans and leases to core deposits | 53.2853% | 7,145 |
| Total domestic deposits to total assets | 87.8265% | 2,157 |
| Equity capital to assets | 11.1165% | 2,663 |
| Core capital (leverage) ratio | 8.6722% | 5,065 |
| Tier 1 risk-based capital ratio | 17.5461% | 2,063 |
| Total risk-based capital ratio | 18.7971% | 2,038 |
| Memoranda: | ||
| Average total assets | $74,825,500 | 5,914 |
| Average earning assets | $69,430,500 | 5,863 |
| Average equity | $8,460,000 | 5,697 |
| Average total loans | $36,397,000 | 6,289 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 7,498 |
| Cost of funding earning assets | 1.1263% | 6,897 |
| Net interest margin | 3.2531% | 5,914 |
| Noninterest income to average assets | 0.3553% | 5,564 |
| Noninterest expense to average assets | 2.2537% | 6,862 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1018% | 1,507 |
| Return on assets (ROA) | 1.1018% | 1,544 |
| Pretax return on assets | 1.1018% | 2,247 |
| Return on Equity (ROE) | 8.8662% | 2,070 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.0571% | 6,527 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 36.6190% | 645 |
| Efficiency ratio | 65.1580% | 5,557 |
| Assets per employee ($millions) | 4.5698% | 2,809 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,757 |
| Loan loss allowance to noncurrent loans | 110.2450% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 5,911 |
| Noncurrent loans to loans | 1.1803% | 4,970 |
| Net loans and leases to total assets | 51.3499% | 6,493 |
| Net loans and leases to deposits | 58.5680% | 6,744 |
| Net loans and leases to core deposits | 67.1274% | 6,923 |
| Total domestic deposits to total assets | 87.6757% | 2,131 |
| Equity capital to assets | 11.5050% | 2,316 |
| Core capital (leverage) ratio | 8.8546% | 4,676 |
| Tier 1 risk-based capital ratio | 15.8586% | 2,585 |
| Total risk-based capital ratio | 17.0806% | 2,530 |
| Memoranda: | ||
| Average total assets | $69,796,000 | 6,010 |
| Average earning assets | $64,368,800 | 5,984 |
| Average equity | $8,673,400 | 5,709 |
| Average total loans | $36,806,400 | 6,260 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 7,611 |
| Cost of funding earning assets | 1.1688% | 6,977 |
| Net interest margin | 3.2282% | 5,923 |
| Noninterest income to average assets | 0.3712% | 5,542 |
| Noninterest expense to average assets | 2.2581% | 6,816 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0981% | 1,738 |
| Return on assets (ROA) | 1.0981% | 1,794 |
| Pretax return on assets | 1.0981% | 2,580 |
| Return on Equity (ROE) | 8.6661% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.4163% | 2,246 |
| Net charge-offs to loans | -0.0110% | 7,695 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2650% | 5,507 |
| Assets per employee ($millions) | 4.5577% | 2,768 |
| Cash dividends to net income (ytd only)* | 37.4998% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,862 |
| Loan loss allowance to noncurrent loans | 149.5677% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 6,278 |
| Noncurrent loans to loans | 0.9466% | 5,403 |
| Net loans and leases to total assets | 49.5578% | 6,814 |
| Net loans and leases to deposits | 56.6762% | 7,049 |
| Net loans and leases to core deposits | 65.8234% | 7,168 |
| Total domestic deposits to total assets | 87.4402% | 1,926 |
| Equity capital to assets | 12.1841% | 2,133 |
| Core capital (leverage) ratio | 9.6698% | 3,690 |
| Tier 1 risk-based capital ratio | 15.2086% | 2,945 |
| Total risk-based capital ratio | 16.3749% | 2,925 |
| Memoranda: | ||
| Average total assets | $68,966,000 | 6,075 |
| Average earning assets | $63,769,750 | 6,047 |
| Average equity | $8,738,750 | 5,740 |
| Average total loans | $36,498,000 | 6,318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 7,626 |
| Cost of funding earning assets | 1.2352% | 7,001 |
| Net interest margin | 3.2661% | 5,683 |
| Noninterest income to average assets | 0.3843% | 5,424 |
| Noninterest expense to average assets | 2.2410% | 6,946 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1530% | 1,602 |
| Return on assets (ROA) | 1.1530% | 1,686 |
| Pretax return on assets | 1.1530% | 2,451 |
| Return on Equity (ROE) | 8.9758% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.0299% | 2,008 |
| Net charge-offs to loans | 0.0165% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 301 |
| Efficiency ratio | 63.9373% | 5,931 |
| Assets per employee ($millions) | 4.4724% | 2,811 |
| Cash dividends to net income (ytd only)* | 32.8205% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 3,399 |
| Loan loss allowance to noncurrent loans | 1,091.4894% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 7,426 |
| Noncurrent loans to loans | 0.1340% | 7,180 |
| Net loans and leases to total assets | 48.2853% | 7,013 |
| Net loans and leases to deposits | 55.1914% | 7,206 |
| Net loans and leases to core deposits | 61.9389% | 7,382 |
| Total domestic deposits to total assets | 87.4871% | 2,023 |
| Equity capital to assets | 12.1133% | 2,143 |
| Core capital (leverage) ratio | 9.7527% | 3,568 |
| Tier 1 risk-based capital ratio | 17.4911% | 2,155 |
| Total risk-based capital ratio | 18.7434% | 2,107 |
| Memoranda: | ||
| Average total assets | $67,647,000 | 6,164 |
| Average earning assets | $62,337,000 | 6,133 |
| Average equity | $8,690,000 | 5,781 |
| Average total loans | $36,444,670 | 6,378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 7,556 |
| Cost of funding earning assets | 1.3276% | 6,940 |
| Net interest margin | 3.3355% | 5,383 |
| Noninterest income to average assets | 0.3775% | 5,409 |
| Noninterest expense to average assets | 2.2225% | 6,794 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2300% | 1,565 |
| Return on assets (ROA) | 1.2300% | 1,675 |
| Pretax return on assets | 1.2300% | 2,520 |
| Return on Equity (ROE) | 9.2863% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.2863% | 1,403 |
| Net charge-offs to loans | 0.0323% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 592 |
| Efficiency ratio | 62.2575% | 6,008 |
| Assets per employee ($millions) | 4.2175% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,508 |
| Loan loss allowance to noncurrent loans | 3,206.2500% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 7,556 |
| Noncurrent loans to loans | 0.0436% | 7,415 |
| Net loans and leases to total assets | 53.5670% | 6,520 |
| Net loans and leases to deposits | 61.7866% | 6,752 |
| Net loans and leases to core deposits | 70.1434% | 7,011 |
| Total domestic deposits to total assets | 86.6968% | 2,364 |
| Equity capital to assets | 12.9209% | 1,783 |
| Core capital (leverage) ratio | 10.0230% | 3,384 |
| Tier 1 risk-based capital ratio | 14.5458% | 3,287 |
| Total risk-based capital ratio | 15.6780% | 3,270 |
| Memoranda: | ||
| Average total assets | $65,691,500 | 6,265 |
| Average earning assets | $60,561,500 | 6,233 |
| Average equity | $8,701,000 | 5,812 |
| Average total loans | $37,134,500 | 6,374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5116% | 7,270 |
| Cost of funding earning assets | 1.9036% | 6,716 |
| Net interest margin | 3.6080% | 4,847 |
| Noninterest income to average assets | 0.3957% | 5,505 |
| Noninterest expense to average assets | 2.2513% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4284% | 1,172 |
| Return on assets (ROA) | 1.4284% | 1,127 |
| Pretax return on assets | 1.4284% | 1,874 |
| Return on Equity (ROE) | 10.7130% | 2,001 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0482% | 6,099 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 53.2941% | 733 |
| Efficiency ratio | 59.1688% | 6,506 |
| Assets per employee ($millions) | 3.9939% | 3,527 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 3,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.0458% | 6,193 |
| Net loans and leases to deposits | 68.6768% | 6,398 |
| Net loans and leases to core deposits | 79.6431% | 6,642 |
| Total domestic deposits to total assets | 84.5203% | 3,065 |
| Equity capital to assets | 13.5878% | 1,573 |
| Core capital (leverage) ratio | 10.1946% | 3,277 |
| Tier 1 risk-based capital ratio | 14.0342% | 3,534 |
| Total risk-based capital ratio | 15.1698% | 3,504 |
| Memoranda: | ||
| Average total assets | $63,429,200 | 6,252 |
| Average earning assets | $57,733,200 | 6,274 |
| Average equity | $8,457,000 | 5,919 |
| Average total loans | $35,285,200 | 6,405 |