Home > Pocahontas State Bank > Performance and Condition Ratios
Pocahontas State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 4,384 |
| Cost of funding earning assets | 1.2303% | 2,728 |
| Net interest margin | 2.2980% | 4,264 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 0.8934% | 4,510 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.0867% | 1,957 |
| Return on assets (ROA) | 1.0867% | 1,928 |
| Pretax return on assets | 1.1423% | 2,285 |
| Return on Equity (ROE) | 4.2100% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.2137% | 2,887 |
| Net charge-offs to loans | 0.6596% | 150 |
| Credit loss provision to net charge-offs | 102.6786% | 1,813 |
| Earnings coverage of net charge-offs (x) | 6.8036% | 2,445 |
| Efficiency ratio | 39.9054% | 4,363 |
| Assets per employee ($millions) | 13.8890% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 3,926 |
| Loan loss allowance to noncurrent loans | 92.3333% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 1,878 |
| Noncurrent loans to loans | 0.8847% | 854 |
| Net loans and leases to total assets | 30.2700% | 4,282 |
| Net loans and leases to deposits | 42.9074% | 4,131 |
| Net loans and leases to core deposits | 47.8040% | 4,126 |
| Total domestic deposits to total assets | 70.5500% | 4,271 |
| Equity capital to assets | 27.1501% | 172 |
| Core capital (leverage) ratio | 25.6554% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $113,280,600 | 3,714 |
| Average earning assets | $107,048,200 | 3,675 |
| Average equity | $29,214,200 | 2,302 |
| Average total loans | $33,961,800 | 4,079 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4661% | 4,400 |
| Cost of funding earning assets | 1.0893% | 2,773 |
| Net interest margin | 2.3768% | 4,257 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 0.8493% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3963% | 1,326 |
| Return on assets (ROA) | 1.3963% | 1,312 |
| Pretax return on assets | 1.4666% | 1,643 |
| Return on Equity (ROE) | 5.4800% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.4849% | 2,781 |
| Net charge-offs to loans | -0.0078% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 36.6717% | 4,436 |
| Assets per employee ($millions) | 14.4971% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 4,004 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 2,020 |
| Noncurrent loans to loans | 0.8268% | 997 |
| Net loans and leases to total assets | 29.5900% | 4,323 |
| Net loans and leases to deposits | 39.7521% | 4,209 |
| Net loans and leases to core deposits | 43.1839% | 4,189 |
| Total domestic deposits to total assets | 74.4400% | 4,130 |
| Equity capital to assets | 24.9437% | 200 |
| Core capital (leverage) ratio | 24.9097% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $113,822,750 | 3,721 |
| Average earning assets | $107,590,750 | 3,680 |
| Average equity | $28,976,000 | 2,297 |
| Average total loans | $33,974,750 | 4,100 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 4,414 |
| Cost of funding earning assets | 0.9686% | 2,706 |
| Net interest margin | 2.4401% | 4,269 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 0.8647% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4447% | 1,228 |
| Return on assets (ROA) | 1.4447% | 1,213 |
| Pretax return on assets | 1.5172% | 1,562 |
| Return on Equity (ROE) | 5.6400% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.6361% | 2,745 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.3029% | 4,468 |
| Assets per employee ($millions) | 13.9764% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 3,985 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 29.6200% | 4,338 |
| Net loans and leases to deposits | 40.5147% | 4,202 |
| Net loans and leases to core deposits | 44.6822% | 4,154 |
| Total domestic deposits to total assets | 73.1200% | 4,248 |
| Equity capital to assets | 26.2470% | 181 |
| Core capital (leverage) ratio | 25.2456% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $113,104,667 | 3,737 |
| Average earning assets | $106,962,000 | 3,702 |
| Average equity | $28,991,667 | 2,307 |
| Average total loans | $33,768,667 | 4,117 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2765% | 4,451 |
| Cost of funding earning assets | 0.7753% | 2,824 |
| Net interest margin | 2.5012% | 4,299 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 0.9283% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4277% | 1,332 |
| Return on assets (ROA) | 1.4277% | 1,306 |
| Pretax return on assets | 1.5191% | 1,629 |
| Return on Equity (ROE) | 5.6400% | 3,783 |
| Retained earnings to average equity (ytd only) | 5.6361% | 2,860 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.9310% | 4,490 |
| Assets per employee ($millions) | 14.4951% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 3,966 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 27.1100% | 4,423 |
| Net loans and leases to deposits | 36.4167% | 4,322 |
| Net loans and leases to core deposits | 37.2069% | 4,337 |
| Total domestic deposits to total assets | 74.4300% | 4,262 |
| Equity capital to assets | 25.0731% | 154 |
| Core capital (leverage) ratio | 25.3198% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $113,751,500 | 3,783 |
| Average earning assets | $107,308,500 | 3,745 |
| Average equity | $28,814,000 | 2,342 |
| Average total loans | $33,956,000 | 4,171 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7220% | 4,388 |
| Cost of funding earning assets | 0.3400% | 2,556 |
| Net interest margin | 2.3820% | 4,371 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 0.8473% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5327% | 812 |
| Return on assets (ROA) | 1.5327% | 786 |
| Pretax return on assets | 1.6100% | 1,149 |
| Return on Equity (ROE) | 6.0500% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.0480% | 2,625 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 34.4802% | 4,616 |
| Assets per employee ($millions) | 13.9428% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 4,135 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 32.2200% | 4,335 |
| Net loans and leases to deposits | 46.7024% | 4,020 |
| Net loans and leases to core deposits | 47.9909% | 4,056 |
| Total domestic deposits to total assets | 68.9900% | 4,491 |
| Equity capital to assets | 25.5984% | 140 |
| Core capital (leverage) ratio | 25.9764% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $110,002,000 | 3,835 |
| Average earning assets | $103,232,400 | 3,803 |
| Average equity | $27,876,800 | 2,433 |
| Average total loans | $32,279,800 | 4,204 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6050% | 4,388 |
| Cost of funding earning assets | 0.2462% | 2,744 |
| Net interest margin | 2.3587% | 4,366 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 0.8186% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3817% | 1,136 |
| Return on assets (ROA) | 1.3817% | 1,110 |
| Pretax return on assets | 1.4511% | 1,552 |
| Return on Equity (ROE) | 5.4700% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.4664% | 2,930 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.0665% | 4,646 |
| Assets per employee ($millions) | 13.8061% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 4,088 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 30.2700% | 4,417 |
| Net loans and leases to deposits | 40.4979% | 4,224 |
| Net loans and leases to core deposits | 41.5302% | 4,236 |
| Total domestic deposits to total assets | 74.7400% | 4,424 |
| Equity capital to assets | 25.0921% | 139 |
| Core capital (leverage) ratio | 25.0147% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $109,617,000 | 3,862 |
| Average earning assets | $102,877,250 | 3,829 |
| Average equity | $27,707,750 | 2,476 |
| Average total loans | $31,297,750 | 4,244 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4662% | 4,407 |
| Cost of funding earning assets | 0.2125% | 2,744 |
| Net interest margin | 2.2537% | 4,379 |
| Noninterest income to average assets | 0.0658% | 4,594 |
| Noninterest expense to average assets | 0.8231% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2896% | 1,166 |
| Return on assets (ROA) | 1.2896% | 1,148 |
| Pretax return on assets | 1.3572% | 1,562 |
| Return on Equity (ROE) | 5.0892% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.0892% | 2,678 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7517% | 4,657 |
| Assets per employee ($millions) | 13.2884% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 4,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.1034% | 4,458 |
| Net loans and leases to deposits | 40.7492% | 4,242 |
| Net loans and leases to core deposits | 41.6568% | 4,276 |
| Total domestic deposits to total assets | 73.8747% | 4,536 |
| Equity capital to assets | 25.9193% | 85 |
| Core capital (leverage) ratio | 24.7356% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,339,667 | 3,903 |
| Average earning assets | $102,587,333 | 3,890 |
| Average equity | $27,705,667 | 2,537 |
| Average total loans | $30,496,333 | 4,305 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2731% | 4,474 |
| Cost of funding earning assets | 0.2010% | 2,788 |
| Net interest margin | 2.0721% | 4,467 |
| Noninterest income to average assets | 0.0974% | 4,519 |
| Noninterest expense to average assets | 0.8119% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1619% | 1,350 |
| Return on assets (ROA) | 1.1619% | 1,348 |
| Pretax return on assets | 1.2196% | 1,738 |
| Return on Equity (ROE) | 4.6362% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.6362% | 2,727 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9645% | 4,644 |
| Assets per employee ($millions) | 14.5888% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 4,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.2566% | 4,587 |
| Net loans and leases to deposits | 33.2117% | 4,458 |
| Net loans and leases to core deposits | 33.8645% | 4,483 |
| Total domestic deposits to total assets | 76.0475% | 4,499 |
| Equity capital to assets | 23.7289% | 99 |
| Core capital (leverage) ratio | 23.7883% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,856,000 | 3,905 |
| Average earning assets | $103,471,500 | 3,892 |
| Average equity | $27,781,500 | 2,619 |
| Average total loans | $29,608,500 | 4,335 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1661% | 3,549 |
| Cost of funding earning assets | 0.3043% | 2,370 |
| Net interest margin | 2.8618% | 3,531 |
| Noninterest income to average assets | 0.0689% | 4,682 |
| Noninterest expense to average assets | 0.8590% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5662% | 885 |
| Return on assets (ROA) | 1.5662% | 913 |
| Pretax return on assets | 1.6602% | 1,241 |
| Return on Equity (ROE) | 5.9733% | 3,782 |
| Retained earnings to average equity (ytd only) | -1.1251% | 4,586 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0968% | 4,768 |
| Assets per employee ($millions) | 13.1253% | 305 |
| Cash dividends to net income (ytd only)* | 118.8354% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 4,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 27.8099% | 4,572 |
| Net loans and leases to deposits | 37.9989% | 4,401 |
| Net loans and leases to core deposits | 39.1230% | 4,417 |
| Total domestic deposits to total assets | 73.1862% | 4,613 |
| Equity capital to assets | 26.5414% | 81 |
| Core capital (leverage) ratio | 24.4580% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,455,800 | 3,919 |
| Average earning assets | $92,004,600 | 3,993 |
| Average equity | $28,175,400 | 2,640 |
| Average total loans | $32,455,600 | 4,327 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 3,009 |
| Cost of funding earning assets | 0.3242% | 2,358 |
| Net interest margin | 3.1075% | 3,038 |
| Noninterest income to average assets | 0.0592% | 4,784 |
| Noninterest expense to average assets | 0.8303% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7420% | 749 |
| Return on assets (ROA) | 1.7420% | 784 |
| Pretax return on assets | 1.8309% | 1,092 |
| Return on Equity (ROE) | 6.6637% | 3,760 |
| Retained earnings to average equity (ytd only) | 1.9444% | 4,201 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2007% | 4,855 |
| Assets per employee ($millions) | 12.5373% | 333 |
| Cash dividends to net income (ytd only)* | 70.8215% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 4,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 27.9326% | 4,650 |
| Net loans and leases to deposits | 37.5585% | 4,526 |
| Net loans and leases to core deposits | 38.5659% | 4,558 |
| Total domestic deposits to total assets | 74.3708% | 4,624 |
| Equity capital to assets | 25.3642% | 91 |
| Core capital (leverage) ratio | 25.1601% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,069,250 | 3,961 |
| Average earning assets | $90,489,000 | 4,059 |
| Average equity | $28,252,000 | 2,663 |
| Average total loans | $33,202,000 | 4,371 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 1,864 |
| Cost of funding earning assets | 0.3525% | 2,298 |
| Net interest margin | 3.5298% | 1,773 |
| Noninterest income to average assets | 0.0733% | 4,781 |
| Noninterest expense to average assets | 0.8490% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0717% | 428 |
| Return on assets (ROA) | 2.0717% | 449 |
| Pretax return on assets | 2.1769% | 600 |
| Return on Equity (ROE) | 7.8423% | 3,445 |
| Retained earnings to average equity (ytd only) | 0.7323% | 4,390 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0571% | 4,904 |
| Assets per employee ($millions) | 11.6511% | 388 |
| Cash dividends to net income (ytd only)* | 90.6618% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 4,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 30.0296% | 4,647 |
| Net loans and leases to deposits | 41.2943% | 4,479 |
| Net loans and leases to core deposits | 42.5136% | 4,505 |
| Total domestic deposits to total assets | 72.7208% | 4,698 |
| Equity capital to assets | 26.9855% | 78 |
| Core capital (leverage) ratio | 24.5997% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,480,333 | 3,995 |
| Average earning assets | $89,071,333 | 4,099 |
| Average equity | $28,129,333 | 2,663 |
| Average total loans | $33,673,667 | 4,399 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 1,253 |
| Cost of funding earning assets | 0.3652% | 2,402 |
| Net interest margin | 3.8032% | 1,132 |
| Noninterest income to average assets | 0.1007% | 4,683 |
| Noninterest expense to average assets | 0.8314% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5203% | 258 |
| Return on assets (ROA) | 2.5203% | 280 |
| Pretax return on assets | 2.6470% | 357 |
| Return on Equity (ROE) | 9.6415% | 2,806 |
| Retained earnings to average equity (ytd only) | -4.6211% | 4,679 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.9014% | 4,943 |
| Assets per employee ($millions) | 12.3910% | 314 |
| Cash dividends to net income (ytd only)* | 147.9290% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 30.9553% | 4,669 |
| Net loans and leases to deposits | 41.4090% | 4,517 |
| Net loans and leases to core deposits | 42.7870% | 4,539 |
| Total domestic deposits to total assets | 74.7550% | 4,638 |
| Equity capital to assets | 24.9787% | 92 |
| Core capital (leverage) ratio | 24.6892% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,290,500 | 3,996 |
| Average earning assets | $95,287,500 | 4,036 |
| Average equity | $28,045,500 | 2,668 |
| Average total loans | $34,632,000 | 4,406 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 4,149 |
| Cost of funding earning assets | 0.5771% | 2,469 |
| Net interest margin | 2.8586% | 4,177 |
| Noninterest income to average assets | 0.0802% | 4,797 |
| Noninterest expense to average assets | 0.8117% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8533% | 349 |
| Return on assets (ROA) | 1.8533% | 372 |
| Pretax return on assets | 1.9472% | 507 |
| Return on Equity (ROE) | 6.5975% | 3,370 |
| Retained earnings to average equity (ytd only) | -3.8471% | 4,807 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4222% | 4,964 |
| Assets per employee ($millions) | 11.4513% | 366 |
| Cash dividends to net income (ytd only)* | 158.3113% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 4,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.1907% | 4,673 |
| Net loans and leases to deposits | 45.8988% | 4,466 |
| Net loans and leases to core deposits | 47.6109% | 4,500 |
| Total domestic deposits to total assets | 72.3128% | 4,701 |
| Equity capital to assets | 27.3961% | 77 |
| Core capital (leverage) ratio | 26.2720% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,251,200 | 3,967 |
| Average earning assets | $95,815,800 | 3,949 |
| Average equity | $28,723,200 | 2,553 |
| Average total loans | $38,737,000 | 4,333 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5590% | 4,109 |
| Cost of funding earning assets | 0.6164% | 2,510 |
| Net interest margin | 2.9426% | 4,101 |
| Noninterest income to average assets | 0.0875% | 4,798 |
| Noninterest expense to average assets | 0.7656% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9846% | 307 |
| Return on assets (ROA) | 1.9846% | 335 |
| Pretax return on assets | 2.0852% | 430 |
| Return on Equity (ROE) | 7.0212% | 3,189 |
| Retained earnings to average equity (ytd only) | -6.8456% | 4,885 |
| Net charge-offs to loans | -0.0033% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8561% | 5,004 |
| Assets per employee ($millions) | 11.6674% | 341 |
| Cash dividends to net income (ytd only)* | 197.4984% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 4,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 36.2681% | 4,671 |
| Net loans and leases to deposits | 49.5660% | 4,500 |
| Net loans and leases to core deposits | 52.3988% | 4,510 |
| Total domestic deposits to total assets | 73.1713% | 4,623 |
| Equity capital to assets | 26.5249% | 81 |
| Core capital (leverage) ratio | 25.5310% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,048,500 | 3,966 |
| Average earning assets | $95,830,250 | 3,939 |
| Average equity | $28,845,250 | 2,539 |
| Average total loans | $39,802,500 | 4,336 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 4,129 |
| Cost of funding earning assets | 0.6646% | 2,595 |
| Net interest margin | 3.0138% | 4,092 |
| Noninterest income to average assets | 0.1168% | 4,714 |
| Noninterest expense to average assets | 0.7837% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0641% | 288 |
| Return on assets (ROA) | 2.0641% | 322 |
| Pretax return on assets | 2.1690% | 377 |
| Return on Equity (ROE) | 7.1497% | 3,074 |
| Retained earnings to average equity (ytd only) | -6.5602% | 4,833 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5416% | 5,032 |
| Assets per employee ($millions) | 11.0330% | 381 |
| Cash dividends to net income (ytd only)* | 191.7546% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6718% | 4,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 39.9076% | 4,612 |
| Net loans and leases to deposits | 56.1480% | 4,284 |
| Net loans and leases to core deposits | 58.9881% | 4,307 |
| Total domestic deposits to total assets | 71.0757% | 4,749 |
| Equity capital to assets | 28.5749% | 71 |
| Core capital (leverage) ratio | 26.3110% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6245% | 108 |
| Memoranda: | ||
| Average total assets | $101,062,333 | 3,981 |
| Average earning assets | $95,094,333 | 3,951 |
| Average equity | $29,176,000 | 2,510 |
| Average total loans | $40,286,000 | 4,348 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,536 |
| Cost of funding earning assets | 0.7226% | 2,821 |
| Net interest margin | 2.8695% | 4,477 |
| Noninterest income to average assets | 0.1491% | 4,623 |
| Noninterest expense to average assets | 0.7887% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9579% | 294 |
| Return on assets (ROA) | 1.9579% | 326 |
| Pretax return on assets | 2.0560% | 403 |
| Return on Equity (ROE) | 6.7485% | 3,048 |
| Retained earnings to average equity (ytd only) | 6.7485% | 1,629 |
| Net charge-offs to loans | -0.0099% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7241% | 5,072 |
| Assets per employee ($millions) | 11.3461% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 39.5143% | 4,682 |
| Net loans and leases to deposits | 56.0954% | 4,363 |
| Net loans and leases to core deposits | 58.2377% | 4,426 |
| Total domestic deposits to total assets | 70.4412% | 4,839 |
| Equity capital to assets | 29.2043% | 73 |
| Core capital (leverage) ratio | 27.6601% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1003% | 230 |
| Memoranda: | ||
| Average total assets | $101,945,000 | 3,961 |
| Average earning assets | $95,766,500 | 3,931 |
| Average equity | $29,577,000 | 2,485 |
| Average total loans | $40,481,500 | 4,365 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 4,501 |
| Cost of funding earning assets | 0.8503% | 2,432 |
| Net interest margin | 3.0045% | 4,508 |
| Noninterest income to average assets | 0.0892% | 4,955 |
| Noninterest expense to average assets | 0.8296% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9069% | 425 |
| Return on assets (ROA) | 1.9069% | 442 |
| Pretax return on assets | 2.0685% | 516 |
| Return on Equity (ROE) | 6.7632% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.7632% | 1,500 |
| Net charge-offs to loans | -0.0048% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.6252% | 5,137 |
| Assets per employee ($millions) | 11.3083% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 4,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.3790% | 4,755 |
| Net loans and leases to deposits | 55.6021% | 4,469 |
| Net loans and leases to core deposits | 57.7951% | 4,532 |
| Total domestic deposits to total assets | 70.8229% | 4,902 |
| Equity capital to assets | 28.8204% | 81 |
| Core capital (leverage) ratio | 27.8591% | 86 |
| Tier 1 risk-based capital ratio | 46.8760% | 161 |
| Total risk-based capital ratio | 47.3440% | 164 |
| Memoranda: | ||
| Average total assets | $100,895,000 | 3,990 |
| Average earning assets | $94,324,600 | 3,960 |
| Average equity | $28,448,200 | 2,475 |
| Average total loans | $41,755,000 | 4,366 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 4,519 |
| Cost of funding earning assets | 0.8453% | 2,489 |
| Net interest margin | 3.0674% | 4,529 |
| Noninterest income to average assets | 0.0795% | 5,049 |
| Noninterest expense to average assets | 0.7973% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0700% | 346 |
| Return on assets (ROA) | 2.0700% | 359 |
| Pretax return on assets | 2.1415% | 506 |
| Return on Equity (ROE) | 7.3828% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.3828% | 1,676 |
| Net charge-offs to loans | -0.0063% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.1293% | 5,220 |
| Assets per employee ($millions) | 11.6567% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 4,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 37.0918% | 4,901 |
| Net loans and leases to deposits | 51.4586% | 4,730 |
| Net loans and leases to core deposits | 55.6743% | 4,695 |
| Total domestic deposits to total assets | 72.0808% | 4,914 |
| Equity capital to assets | 27.6284% | 89 |
| Core capital (leverage) ratio | 27.4831% | 92 |
| Tier 1 risk-based capital ratio | 46.6612% | 159 |
| Total risk-based capital ratio | 47.1334% | 166 |
| Memoranda: | ||
| Average total assets | $100,675,000 | 4,034 |
| Average earning assets | $93,845,500 | 4,015 |
| Average equity | $28,227,250 | 2,503 |
| Average total loans | $42,107,500 | 4,417 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 4,386 |
| Cost of funding earning assets | 0.8353% | 2,477 |
| Net interest margin | 3.1600% | 4,440 |
| Noninterest income to average assets | 0.0786% | 5,103 |
| Noninterest expense to average assets | 0.7677% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1700% | 285 |
| Return on assets (ROA) | 2.1700% | 298 |
| Pretax return on assets | 2.2607% | 385 |
| Return on Equity (ROE) | 7.6998% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.6998% | 1,521 |
| Net charge-offs to loans | -0.0046% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3493% | 5,272 |
| Assets per employee ($millions) | 10.7620% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6311% | 4,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 43.2406% | 4,746 |
| Net loans and leases to deposits | 61.5640% | 4,351 |
| Net loans and leases to core deposits | 66.1601% | 4,309 |
| Total domestic deposits to total assets | 70.2368% | 5,041 |
| Equity capital to assets | 29.4379% | 72 |
| Core capital (leverage) ratio | 26.4174% | 101 |
| Tier 1 risk-based capital ratio | 44.9602% | 175 |
| Total risk-based capital ratio | 45.4219% | 180 |
| Memoranda: | ||
| Average total assets | $99,263,330 | 4,084 |
| Average earning assets | $92,659,000 | 4,065 |
| Average equity | $27,974,670 | 2,514 |
| Average total loans | $43,083,330 | 4,416 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 4,504 |
| Cost of funding earning assets | 0.7680% | 2,695 |
| Net interest margin | 3.1616% | 4,477 |
| Noninterest income to average assets | 0.0876% | 5,125 |
| Noninterest expense to average assets | 0.7883% | 5,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1779% | 283 |
| Return on assets (ROA) | 2.1779% | 295 |
| Pretax return on assets | 2.2495% | 399 |
| Return on Equity (ROE) | 7.8973% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.8973% | 1,705 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.9502% | 5,330 |
| Assets per employee ($millions) | 11.3543% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6154% | 4,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 41.8812% | 4,833 |
| Net loans and leases to deposits | 57.8821% | 4,511 |
| Net loans and leases to core deposits | 61.1706% | 4,524 |
| Total domestic deposits to total assets | 72.3561% | 5,027 |
| Equity capital to assets | 27.3904% | 90 |
| Core capital (leverage) ratio | 26.6903% | 95 |
| Tier 1 risk-based capital ratio | 42.7712% | 193 |
| Total risk-based capital ratio | 43.2179% | 198 |
| Memoranda: | ||
| Average total assets | $100,466,000 | 4,104 |
| Average earning assets | $93,750,500 | 4,079 |
| Average equity | $27,705,500 | 2,538 |
| Average total loans | $43,551,000 | 4,441 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,986 |
| Cost of funding earning assets | 0.6558% | 2,349 |
| Net interest margin | 3.3579% | 4,112 |
| Noninterest income to average assets | 0.0988% | 5,155 |
| Noninterest expense to average assets | 0.7902% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3012% | 218 |
| Return on assets (ROA) | 2.3012% | 207 |
| Pretax return on assets | 2.4363% | 236 |
| Return on Equity (ROE) | 8.6446% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.6446% | 999 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.4923% | 5,379 |
| Assets per employee ($millions) | 10.9714% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 4,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 44.3312% | 4,805 |
| Net loans and leases to deposits | 61.5694% | 4,401 |
| Net loans and leases to core deposits | 65.2156% | 4,393 |
| Total domestic deposits to total assets | 72.0021% | 5,073 |
| Equity capital to assets | 27.7701% | 81 |
| Core capital (leverage) ratio | 25.7332% | 101 |
| Tier 1 risk-based capital ratio | 41.3327% | 217 |
| Total risk-based capital ratio | 41.7739% | 222 |
| Memoranda: | ||
| Average total assets | $99,209,800 | 4,114 |
| Average earning assets | $92,408,600 | 4,091 |
| Average equity | $26,409,400 | 2,545 |
| Average total loans | $44,779,600 | 4,438 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 3,998 |
| Cost of funding earning assets | 0.6213% | 2,324 |
| Net interest margin | 3.3547% | 4,147 |
| Noninterest income to average assets | 0.1047% | 5,197 |
| Noninterest expense to average assets | 0.7557% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3558% | 199 |
| Return on assets (ROA) | 2.3558% | 199 |
| Pretax return on assets | 2.4726% | 244 |
| Return on Equity (ROE) | 8.9459% | 3,113 |
| Retained earnings to average equity (ytd only) | 8.9459% | 1,239 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4096% | 5,449 |
| Assets per employee ($millions) | 11.4122% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6037% | 5,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 42.4769% | 4,935 |
| Net loans and leases to deposits | 57.7594% | 4,659 |
| Net loans and leases to core deposits | 62.7091% | 4,586 |
| Total domestic deposits to total assets | 73.5410% | 5,018 |
| Equity capital to assets | 26.2253% | 97 |
| Core capital (leverage) ratio | 25.1848% | 106 |
| Tier 1 risk-based capital ratio | 40.2275% | 230 |
| Total risk-based capital ratio | 40.6663% | 240 |
| Memoranda: | ||
| Average total assets | $99,326,500 | 4,151 |
| Average earning assets | $92,484,500 | 4,134 |
| Average equity | $26,156,500 | 2,573 |
| Average total loans | $44,964,750 | 4,484 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,685 |
| Cost of funding earning assets | 0.5986% | 2,233 |
| Net interest margin | 3.4320% | 3,852 |
| Noninterest income to average assets | 0.1181% | 5,199 |
| Noninterest expense to average assets | 0.7801% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4298% | 169 |
| Return on assets (ROA) | 2.4298% | 166 |
| Pretax return on assets | 2.5377% | 212 |
| Return on Equity (ROE) | 9.2135% | 2,926 |
| Retained earnings to average equity (ytd only) | 9.2135% | 1,149 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5114% | 5,512 |
| Assets per employee ($millions) | 11.0476% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 5,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 45.8271% | 4,835 |
| Net loans and leases to deposits | 62.6280% | 4,381 |
| Net loans and leases to core deposits | 70.8775% | 4,089 |
| Total domestic deposits to total assets | 73.1736% | 5,110 |
| Equity capital to assets | 26.5841% | 97 |
| Core capital (leverage) ratio | 24.2982% | 120 |
| Tier 1 risk-based capital ratio | 38.4705% | 256 |
| Total risk-based capital ratio | 38.9001% | 269 |
| Memoranda: | ||
| Average total assets | $98,198,670 | 4,203 |
| Average earning assets | $91,549,330 | 4,193 |
| Average equity | $25,896,670 | 2,601 |
| Average total loans | $45,322,000 | 4,512 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,319 |
| Cost of funding earning assets | 0.5426% | 2,460 |
| Net interest margin | 3.5335% | 3,413 |
| Noninterest income to average assets | 0.1230% | 5,240 |
| Noninterest expense to average assets | 0.8239% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4963% | 143 |
| Return on assets (ROA) | 2.4963% | 145 |
| Pretax return on assets | 2.5824% | 191 |
| Return on Equity (ROE) | 9.5049% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.5049% | 1,306 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1877% | 5,581 |
| Assets per employee ($millions) | 10.9263% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 5,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.8688% | 4,800 |
| Net loans and leases to deposits | 62.4754% | 4,307 |
| Net loans and leases to core deposits | 69.8419% | 4,088 |
| Total domestic deposits to total assets | 73.4190% | 5,202 |
| Equity capital to assets | 26.3329% | 89 |
| Core capital (leverage) ratio | 24.4093% | 116 |
| Tier 1 risk-based capital ratio | 38.2038% | 254 |
| Total risk-based capital ratio | 38.6412% | 265 |
| Memoranda: | ||
| Average total assets | $97,584,000 | 4,255 |
| Average earning assets | $90,675,500 | 4,254 |
| Average equity | $25,629,000 | 2,643 |
| Average total loans | $45,068,000 | 4,565 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 3,580 |
| Cost of funding earning assets | 0.4726% | 2,581 |
| Net interest margin | 3.4747% | 3,610 |
| Noninterest income to average assets | 0.1265% | 5,312 |
| Noninterest expense to average assets | 0.8365% | 5,632 |
| Loan and lease loss provision to assets | 0.0392% | 3,487 |
| Net operating income to assets | 2.3277% | 154 |
| Return on assets (ROA) | 2.3277% | 154 |
| Pretax return on assets | 2.4552% | 191 |
| Return on Equity (ROE) | 9.3340% | 2,164 |
| Retained earnings to average equity (ytd only) | 6.3139% | 1,375 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.1131% | 5,638 |
| Assets per employee ($millions) | 10.7590% | 253 |
| Cash dividends to net income (ytd only)* | 32.3555% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 45.9564% | 4,890 |
| Net loans and leases to deposits | 62.4553% | 4,414 |
| Net loans and leases to core deposits | 69.4987% | 4,205 |
| Total domestic deposits to total assets | 73.5828% | 5,219 |
| Equity capital to assets | 26.1931% | 87 |
| Core capital (leverage) ratio | 23.6301% | 116 |
| Tier 1 risk-based capital ratio | 37.8440% | 257 |
| Total risk-based capital ratio | 38.2889% | 270 |
| Memoranda: | ||
| Average total assets | $99,583,000 | 4,246 |
| Average earning assets | $91,836,000 | 4,248 |
| Average equity | $24,834,000 | 2,689 |
| Average total loans | $43,522,800 | 4,627 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 3,726 |
| Cost of funding earning assets | 0.4606% | 2,609 |
| Net interest margin | 3.4238% | 3,764 |
| Noninterest income to average assets | 0.1250% | 5,379 |
| Noninterest expense to average assets | 0.7460% | 5,705 |
| Loan and lease loss provision to assets | 0.0519% | 3,063 |
| Net operating income to assets | 2.3522% | 167 |
| Return on assets (ROA) | 2.3522% | 168 |
| Pretax return on assets | 2.4799% | 213 |
| Return on Equity (ROE) | 9.5484% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.8496% | 1,772 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.7586% | 5,711 |
| Assets per employee ($millions) | 11.0853% | 227 |
| Cash dividends to net income (ytd only)* | 28.2645% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 5,303 |
| Loan loss allowance to noncurrent loans | 8,833.3333% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,255 |
| Noncurrent loans to loans | 0.0069% | 5,114 |
| Net loans and leases to total assets | 43.1561% | 5,070 |
| Net loans and leases to deposits | 59.1315% | 4,678 |
| Net loans and leases to core deposits | 67.2508% | 4,408 |
| Total domestic deposits to total assets | 72.9833% | 5,311 |
| Equity capital to assets | 25.2997% | 97 |
| Core capital (leverage) ratio | 23.0420% | 124 |
| Tier 1 risk-based capital ratio | 37.3401% | 275 |
| Total risk-based capital ratio | 37.7850% | 287 |
| Memoranda: | ||
| Average total assets | $100,271,000 | 4,277 |
| Average earning assets | $92,332,000 | 4,271 |
| Average equity | $24,701,750 | 2,716 |
| Average total loans | $43,212,250 | 4,682 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 3,799 |
| Cost of funding earning assets | 0.4422% | 2,675 |
| Net interest margin | 3.3847% | 3,828 |
| Noninterest income to average assets | 0.1314% | 5,391 |
| Noninterest expense to average assets | 0.7627% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.3656% | 157 |
| Return on assets (ROA) | 2.3656% | 156 |
| Pretax return on assets | 2.4931% | 214 |
| Return on Equity (ROE) | 9.6893% | 2,171 |
| Retained earnings to average equity (ytd only) | 6.4269% | 1,889 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4251% | 5,762 |
| Assets per employee ($millions) | 11.0637% | 222 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5172% | 5,497 |
| Loan loss allowance to noncurrent loans | 7,533.3333% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,299 |
| Noncurrent loans to loans | 0.0069% | 5,160 |
| Net loans and leases to total assets | 43.6604% | 5,060 |
| Net loans and leases to deposits | 59.5233% | 4,666 |
| Net loans and leases to core deposits | 67.4047% | 4,389 |
| Total domestic deposits to total assets | 73.3502% | 5,347 |
| Equity capital to assets | 24.9244% | 101 |
| Core capital (leverage) ratio | 22.4595% | 133 |
| Tier 1 risk-based capital ratio | 36.0079% | 282 |
| Total risk-based capital ratio | 36.3818% | 296 |
| Memoranda: | ||
| Average total assets | $100,438,670 | 4,300 |
| Average earning assets | $92,712,330 | 4,298 |
| Average equity | $24,522,000 | 2,734 |
| Average total loans | $43,176,000 | 4,708 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 3,648 |
| Cost of funding earning assets | 0.4120% | 2,883 |
| Net interest margin | 3.4204% | 3,569 |
| Noninterest income to average assets | 0.1110% | 5,554 |
| Noninterest expense to average assets | 0.7812% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.3832% | 168 |
| Return on assets (ROA) | 2.3832% | 171 |
| Pretax return on assets | 2.4903% | 216 |
| Return on Equity (ROE) | 9.8630% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.8630% | 839 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.8788% | 5,825 |
| Assets per employee ($millions) | 11.1751% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 5,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 42.6812% | 5,124 |
| Net loans and leases to deposits | 57.8742% | 4,709 |
| Net loans and leases to core deposits | 65.2793% | 4,476 |
| Total domestic deposits to total assets | 73.7482% | 5,435 |
| Equity capital to assets | 24.5208% | 110 |
| Core capital (leverage) ratio | 21.9998% | 137 |
| Tier 1 risk-based capital ratio | 35.7866% | 311 |
| Total risk-based capital ratio | 36.1614% | 321 |
| Memoranda: | ||
| Average total assets | $100,871,500 | 4,332 |
| Average earning assets | $93,205,500 | 4,329 |
| Average equity | $24,374,000 | 2,761 |
| Average total loans | $42,914,000 | 4,756 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,326 |
| Cost of funding earning assets | 0.4035% | 2,970 |
| Net interest margin | 3.5623% | 3,212 |
| Noninterest income to average assets | 0.1072% | 5,625 |
| Noninterest expense to average assets | 0.8297% | 5,876 |
| Loan and lease loss provision to assets | 0.0150% | 4,071 |
| Net operating income to assets | 2.4569% | 150 |
| Return on assets (ROA) | 2.4569% | 154 |
| Pretax return on assets | 2.5711% | 181 |
| Return on Equity (ROE) | 10.4634% | 1,777 |
| Retained earnings to average equity (ytd only) | 7.8604% | 898 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2886% | 5,890 |
| Assets per employee ($millions) | 11.2408% | 211 |
| Cash dividends to net income (ytd only)* | 24.8777% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 5,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 41.9593% | 5,233 |
| Net loans and leases to deposits | 56.3350% | 4,895 |
| Net loans and leases to core deposits | 62.4177% | 4,730 |
| Total domestic deposits to total assets | 74.4818% | 5,405 |
| Equity capital to assets | 23.8082% | 117 |
| Core capital (leverage) ratio | 21.7574% | 145 |
| Tier 1 risk-based capital ratio | 34.3044% | 342 |
| Total risk-based capital ratio | 34.6740% | 357 |
| Memoranda: | ||
| Average total assets | $99,799,800 | 4,351 |
| Average earning assets | $92,692,600 | 4,333 |
| Average equity | $23,434,000 | 2,854 |
| Average total loans | $42,040,400 | 4,814 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,157 |
| Cost of funding earning assets | 0.4022% | 3,000 |
| Net interest margin | 3.6151% | 3,016 |
| Noninterest income to average assets | 0.1059% | 5,688 |
| Noninterest expense to average assets | 0.7802% | 5,945 |
| Loan and lease loss provision to assets | 0.0201% | 3,833 |
| Net operating income to assets | 2.5551% | 149 |
| Return on assets (ROA) | 2.5551% | 153 |
| Pretax return on assets | 2.6677% | 173 |
| Return on Equity (ROE) | 10.9203% | 1,701 |
| Retained earnings to average equity (ytd only) | 9.7172% | 636 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4971% | 5,957 |
| Assets per employee ($millions) | 10.9862% | 214 |
| Cash dividends to net income (ytd only)* | 11.0177% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 5,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.6873% | 5,348 |
| Net loans and leases to deposits | 54.9755% | 5,053 |
| Net loans and leases to core deposits | 60.4417% | 4,908 |
| Total domestic deposits to total assets | 74.0099% | 5,432 |
| Equity capital to assets | 24.2526% | 118 |
| Core capital (leverage) ratio | 21.8520% | 142 |
| Tier 1 risk-based capital ratio | 35.6089% | 319 |
| Total risk-based capital ratio | 35.9953% | 334 |
| Memoranda: | ||
| Average total assets | $99,458,000 | 4,389 |
| Average earning assets | $92,497,500 | 4,375 |
| Average equity | $23,271,000 | 2,887 |
| Average total loans | $41,881,750 | 4,860 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,040 |
| Cost of funding earning assets | 0.3946% | 3,100 |
| Net interest margin | 3.6612% | 2,855 |
| Noninterest income to average assets | 0.1104% | 5,741 |
| Noninterest expense to average assets | 0.7887% | 6,024 |
| Loan and lease loss provision to assets | 0.0301% | 3,526 |
| Net operating income to assets | 2.5950% | 137 |
| Return on assets (ROA) | 2.5950% | 136 |
| Pretax return on assets | 2.6994% | 165 |
| Return on Equity (ROE) | 11.2266% | 1,563 |
| Retained earnings to average equity (ytd only) | 10.0110% | 598 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4187% | 6,034 |
| Assets per employee ($millions) | 10.7964% | 217 |
| Cash dividends to net income (ytd only)* | 10.8275% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5399% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 42.8474% | 5,294 |
| Net loans and leases to deposits | 57.8909% | 4,908 |
| Net loans and leases to core deposits | 64.6591% | 4,696 |
| Total domestic deposits to total assets | 74.0141% | 5,518 |
| Equity capital to assets | 24.2251% | 110 |
| Core capital (leverage) ratio | 21.1161% | 157 |
| Tier 1 risk-based capital ratio | 34.5512% | 345 |
| Total risk-based capital ratio | 34.9361% | 365 |
| Memoranda: | ||
| Average total assets | $99,652,000 | 4,428 |
| Average earning assets | $92,757,000 | 4,408 |
| Average equity | $23,034,670 | 2,918 |
| Average total loans | $42,357,000 | 4,889 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 3,136 |
| Cost of funding earning assets | 0.3948% | 3,141 |
| Net interest margin | 3.6293% | 2,973 |
| Noninterest income to average assets | 0.1150% | 5,767 |
| Noninterest expense to average assets | 0.8365% | 6,085 |
| Loan and lease loss provision to assets | 0.0595% | 2,766 |
| Net operating income to assets | 2.5294% | 151 |
| Return on assets (ROA) | 2.5294% | 155 |
| Pretax return on assets | 2.6087% | 204 |
| Return on Equity (ROE) | 11.2016% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.2016% | 617 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.8688% | 6,095 |
| Assets per employee ($millions) | 11.0649% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 5,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 42.6685% | 5,317 |
| Net loans and leases to deposits | 56.8183% | 4,931 |
| Net loans and leases to core deposits | 66.6588% | 4,492 |
| Total domestic deposits to total assets | 75.0964% | 5,513 |
| Equity capital to assets | 23.1794% | 123 |
| Core capital (leverage) ratio | 20.1086% | 193 |
| Tier 1 risk-based capital ratio | 32.9355% | 397 |
| Total risk-based capital ratio | 33.3127% | 424 |
| Memoranda: | ||
| Average total assets | $100,894,000 | 4,451 |
| Average earning assets | $94,234,000 | 4,412 |
| Average equity | $22,782,500 | 2,949 |
| Average total loans | $42,605,500 | 4,911 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 3,655 |
| Cost of funding earning assets | 0.3870% | 3,295 |
| Net interest margin | 3.5262% | 3,425 |
| Noninterest income to average assets | 0.1299% | 5,765 |
| Noninterest expense to average assets | 0.8418% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.4291% | 166 |
| Return on assets (ROA) | 2.4263% | 170 |
| Pretax return on assets | 2.5552% | 183 |
| Return on Equity (ROE) | 11.2733% | 1,524 |
| Retained earnings to average equity (ytd only) | 9.0619% | 638 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7594% | 6,155 |
| Assets per employee ($millions) | 11.3560% | 182 |
| Cash dividends to net income (ytd only)* | 19.6159% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 5,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 41.3712% | 5,447 |
| Net loans and leases to deposits | 55.9973% | 5,040 |
| Net loans and leases to core deposits | 66.4555% | 4,555 |
| Total domestic deposits to total assets | 73.8807% | 5,662 |
| Equity capital to assets | 21.9972% | 147 |
| Core capital (leverage) ratio | 19.5268% | 215 |
| Tier 1 risk-based capital ratio | 31.9510% | 432 |
| Total risk-based capital ratio | 32.3034% | 460 |
| Memoranda: | ||
| Average total assets | $100,853,200 | 4,445 |
| Average earning assets | $93,528,600 | 4,440 |
| Average equity | $21,706,200 | 3,004 |
| Average total loans | $39,385,200 | 5,038 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 3,621 |
| Cost of funding earning assets | 0.3925% | 3,301 |
| Net interest margin | 3.5394% | 3,388 |
| Noninterest income to average assets | 0.1273% | 5,838 |
| Noninterest expense to average assets | 0.7693% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.5070% | 158 |
| Return on assets (ROA) | 2.5070% | 162 |
| Pretax return on assets | 2.6357% | 199 |
| Return on Equity (ROE) | 11.7140% | 1,456 |
| Retained earnings to average equity (ytd only) | 10.4124% | 569 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.5945% | 6,245 |
| Assets per employee ($millions) | 11.0191% | 193 |
| Cash dividends to net income (ytd only)* | 11.1110% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5408% | 5,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 39.1320% | 5,639 |
| Net loans and leases to deposits | 51.7813% | 5,381 |
| Net loans and leases to core deposits | 61.3750% | 4,975 |
| Total domestic deposits to total assets | 75.5717% | 5,559 |
| Equity capital to assets | 22.4096% | 142 |
| Core capital (leverage) ratio | 19.5573% | 222 |
| Tier 1 risk-based capital ratio | 33.1796% | 407 |
| Total risk-based capital ratio | 33.5511% | 428 |
| Memoranda: | ||
| Average total assets | $100,515,500 | 4,501 |
| Average earning assets | $93,082,000 | 4,498 |
| Average equity | $21,512,250 | 3,046 |
| Average total loans | $38,608,000 | 5,117 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,508 |
| Cost of funding earning assets | 0.3926% | 3,348 |
| Net interest margin | 3.5530% | 3,275 |
| Noninterest income to average assets | 0.1169% | 5,961 |
| Noninterest expense to average assets | 0.8003% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.4801% | 167 |
| Return on assets (ROA) | 2.4801% | 176 |
| Pretax return on assets | 2.5970% | 218 |
| Return on Equity (ROE) | 11.7697% | 1,443 |
| Retained earnings to average equity (ytd only) | 10.4536% | 589 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5569% | 6,319 |
| Assets per employee ($millions) | 11.1069% | 184 |
| Cash dividends to net income (ytd only)* | 11.1821% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5503% | 6,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 38.1465% | 5,731 |
| Net loans and leases to deposits | 49.0538% | 5,553 |
| Net loans and leases to core deposits | 57.3310% | 5,233 |
| Total domestic deposits to total assets | 77.7646% | 5,319 |
| Equity capital to assets | 21.6872% | 163 |
| Core capital (leverage) ratio | 18.7467% | 248 |
| Tier 1 risk-based capital ratio | 31.9712% | 458 |
| Total risk-based capital ratio | 32.3403% | 485 |
| Memoranda: | ||
| Average total assets | $100,963,330 | 4,535 |
| Average earning assets | $93,216,330 | 4,529 |
| Average equity | $21,275,000 | 3,084 |
| Average total loans | $38,471,000 | 5,162 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 3,660 |
| Cost of funding earning assets | 0.3912% | 3,395 |
| Net interest margin | 3.4996% | 3,438 |
| Noninterest income to average assets | 0.1419% | 5,899 |
| Noninterest expense to average assets | 0.8318% | 6,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4442% | 171 |
| Return on assets (ROA) | 2.4442% | 181 |
| Pretax return on assets | 2.5546% | 219 |
| Return on Equity (ROE) | 11.7686% | 1,406 |
| Retained earnings to average equity (ytd only) | 11.7686% | 601 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.5634% | 6,389 |
| Assets per employee ($millions) | 12.7325% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5498% | 6,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 37.4691% | 5,749 |
| Net loans and leases to deposits | 47.7570% | 5,577 |
| Net loans and leases to core deposits | 52.4093% | 5,460 |
| Total domestic deposits to total assets | 78.4577% | 5,358 |
| Equity capital to assets | 20.9886% | 184 |
| Core capital (leverage) ratio | 18.2490% | 274 |
| Tier 1 risk-based capital ratio | 30.8242% | 502 |
| Total risk-based capital ratio | 31.1899% | 540 |
| Memoranda: | ||
| Average total assets | $101,464,000 | 4,566 |
| Average earning assets | $94,067,500 | 4,548 |
| Average equity | $21,073,000 | 3,128 |
| Average total loans | $38,535,000 | 5,194 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 3,859 |
| Cost of funding earning assets | 0.4100% | 3,589 |
| Net interest margin | 3.5544% | 3,583 |
| Noninterest income to average assets | 0.1266% | 6,061 |
| Noninterest expense to average assets | 0.8741% | 6,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.4300% | 163 |
| Return on assets (ROA) | 2.4470% | 161 |
| Pretax return on assets | 2.5716% | 165 |
| Return on Equity (ROE) | 12.3638% | 1,307 |
| Retained earnings to average equity (ytd only) | 10.4500% | 449 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.5016% | 6,482 |
| Assets per employee ($millions) | 11.2298% | 177 |
| Cash dividends to net income (ytd only)* | 15.4786% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5453% | 6,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 38.0754% | 5,844 |
| Net loans and leases to deposits | 50.0097% | 5,578 |
| Net loans and leases to core deposits | 55.2847% | 5,426 |
| Total domestic deposits to total assets | 76.1359% | 5,713 |
| Equity capital to assets | 20.5476% | 205 |
| Core capital (leverage) ratio | 17.6683% | 310 |
| Tier 1 risk-based capital ratio | 29.7048% | 524 |
| Total risk-based capital ratio | 30.0699% | 562 |
| Memoranda: | ||
| Average total assets | $100,326,600 | 4,588 |
| Average earning assets | $93,179,200 | 4,576 |
| Average equity | $19,856,400 | 3,176 |
| Average total loans | $36,360,000 | 5,317 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,785 |
| Cost of funding earning assets | 0.4165% | 3,619 |
| Net interest margin | 3.5773% | 3,520 |
| Noninterest income to average assets | 0.1278% | 6,128 |
| Noninterest expense to average assets | 0.7935% | 6,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.5284% | 138 |
| Return on assets (ROA) | 2.5284% | 140 |
| Pretax return on assets | 2.6509% | 167 |
| Return on Equity (ROE) | 12.8991% | 1,240 |
| Retained earnings to average equity (ytd only) | 11.4727% | 462 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.0383% | 6,565 |
| Assets per employee ($millions) | 11.1383% | 173 |
| Cash dividends to net income (ytd only)* | 11.0583% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5878% | 6,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 35.5988% | 6,044 |
| Net loans and leases to deposits | 45.0473% | 5,925 |
| Net loans and leases to core deposits | 51.2781% | 5,724 |
| Total domestic deposits to total assets | 79.0254% | 5,322 |
| Equity capital to assets | 20.4090% | 211 |
| Core capital (leverage) ratio | 17.1597% | 356 |
| Tier 1 risk-based capital ratio | 30.2103% | 513 |
| Total risk-based capital ratio | 30.5903% | 542 |
| Memoranda: | ||
| Average total assets | $100,141,250 | 4,639 |
| Average earning assets | $92,841,250 | 4,630 |
| Average equity | $19,628,750 | 3,209 |
| Average total loans | $35,776,750 | 5,388 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,678 |
| Cost of funding earning assets | 0.4182% | 3,682 |
| Net interest margin | 3.5959% | 3,375 |
| Noninterest income to average assets | 0.1319% | 6,158 |
| Noninterest expense to average assets | 0.8271% | 6,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.5193% | 136 |
| Return on assets (ROA) | 2.5193% | 140 |
| Pretax return on assets | 2.6372% | 173 |
| Return on Equity (ROE) | 13.0322% | 1,166 |
| Retained earnings to average equity (ytd only) | 11.5854% | 468 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.8754% | 6,629 |
| Assets per employee ($millions) | 12.4224% | 122 |
| Cash dividends to net income (ytd only)* | 11.1023% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 6,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 35.1915% | 6,093 |
| Net loans and leases to deposits | 44.3454% | 5,966 |
| Net loans and leases to core deposits | 51.6618% | 5,681 |
| Total domestic deposits to total assets | 79.3578% | 5,374 |
| Equity capital to assets | 20.0576% | 216 |
| Core capital (leverage) ratio | 16.6158% | 395 |
| Tier 1 risk-based capital ratio | 29.6984% | 536 |
| Total risk-based capital ratio | 30.0850% | 579 |
| Memoranda: | ||
| Average total assets | $100,106,670 | 4,681 |
| Average earning assets | $92,773,000 | 4,664 |
| Average equity | $19,352,000 | 3,233 |
| Average total loans | $35,736,670 | 5,431 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,907 |
| Cost of funding earning assets | 0.4270% | 3,674 |
| Net interest margin | 3.5197% | 3,606 |
| Noninterest income to average assets | 0.1274% | 6,210 |
| Noninterest expense to average assets | 0.8799% | 6,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3848% | 181 |
| Return on assets (ROA) | 2.3848% | 191 |
| Pretax return on assets | 2.4963% | 222 |
| Return on Equity (ROE) | 12.5698% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.5698% | 538 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.0613% | 6,694 |
| Assets per employee ($millions) | 12.4926% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5960% | 6,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 35.2138% | 6,112 |
| Net loans and leases to deposits | 44.0893% | 5,971 |
| Net loans and leases to core deposits | 51.0687% | 5,683 |
| Total domestic deposits to total assets | 79.8691% | 5,511 |
| Equity capital to assets | 19.5205% | 236 |
| Core capital (leverage) ratio | 15.9441% | 486 |
| Tier 1 risk-based capital ratio | 28.8552% | 584 |
| Total risk-based capital ratio | 29.2433% | 630 |
| Memoranda: | ||
| Average total assets | $100,470,500 | 4,723 |
| Average earning assets | $92,735,500 | 4,708 |
| Average equity | $19,061,500 | 3,272 |
| Average total loans | $36,013,000 | 5,459 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 3,748 |
| Cost of funding earning assets | 0.4634% | 3,986 |
| Net interest margin | 3.6341% | 3,314 |
| Noninterest income to average assets | 0.1327% | 6,268 |
| Noninterest expense to average assets | 0.8854% | 6,764 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.4705% | 177 |
| Return on assets (ROA) | 2.4705% | 179 |
| Pretax return on assets | 2.6053% | 182 |
| Return on Equity (ROE) | 13.2031% | 1,132 |
| Retained earnings to average equity (ytd only) | 11.4855% | 370 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3638% | 6,781 |
| Assets per employee ($millions) | 11.2222% | 163 |
| Cash dividends to net income (ytd only)* | 13.0088% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 6,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 36.0505% | 6,200 |
| Net loans and leases to deposits | 44.8025% | 6,082 |
| Net loans and leases to core deposits | 51.6263% | 5,822 |
| Total domestic deposits to total assets | 80.4653% | 5,328 |
| Equity capital to assets | 18.4297% | 291 |
| Core capital (leverage) ratio | 15.5968% | 527 |
| Tier 1 risk-based capital ratio | 26.7071% | 712 |
| Total risk-based capital ratio | 27.0806% | 764 |
| Memoranda: | ||
| Average total assets | $96,457,200 | 4,827 |
| Average earning assets | $89,127,800 | 4,800 |
| Average equity | $18,048,800 | 3,410 |
| Average total loans | $34,712,200 | 5,552 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 3,694 |
| Cost of funding earning assets | 0.4719% | 4,046 |
| Net interest margin | 3.6437% | 3,261 |
| Noninterest income to average assets | 0.1217% | 6,410 |
| Noninterest expense to average assets | 0.8490% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.5051% | 171 |
| Return on assets (ROA) | 2.5051% | 178 |
| Pretax return on assets | 2.6422% | 201 |
| Return on Equity (ROE) | 13.3349% | 1,158 |
| Retained earnings to average equity (ytd only) | 11.7713% | 456 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3189% | 6,857 |
| Assets per employee ($millions) | 10.8364% | 186 |
| Cash dividends to net income (ytd only)* | 11.7252% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6032% | 6,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 35.6523% | 6,295 |
| Net loans and leases to deposits | 44.7187% | 6,172 |
| Net loans and leases to core deposits | 51.1481% | 5,938 |
| Total domestic deposits to total assets | 79.7258% | 5,573 |
| Equity capital to assets | 18.5003% | 295 |
| Core capital (leverage) ratio | 15.5136% | 561 |
| Tier 1 risk-based capital ratio | 26.8838% | 715 |
| Total risk-based capital ratio | 27.2724% | 772 |
| Memoranda: | ||
| Average total assets | $95,321,500 | 4,901 |
| Average earning assets | $88,150,750 | 4,867 |
| Average equity | $17,907,500 | 3,475 |
| Average total loans | $34,234,750 | 5,625 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 3,454 |
| Cost of funding earning assets | 0.4808% | 4,085 |
| Net interest margin | 3.6957% | 2,972 |
| Noninterest income to average assets | 0.1226% | 6,441 |
| Noninterest expense to average assets | 0.9071% | 6,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.4887% | 179 |
| Return on assets (ROA) | 2.4887% | 187 |
| Pretax return on assets | 2.6283% | 236 |
| Return on Equity (ROE) | 13.1786% | 1,201 |
| Retained earnings to average equity (ytd only) | 11.6110% | 549 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.6579% | 6,903 |
| Assets per employee ($millions) | 10.6378% | 188 |
| Cash dividends to net income (ytd only)* | 11.8946% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 6,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 33.3236% | 6,450 |
| Net loans and leases to deposits | 41.4289% | 6,348 |
| Net loans and leases to core deposits | 45.2154% | 6,272 |
| Total domestic deposits to total assets | 80.4356% | 5,494 |
| Equity capital to assets | 18.8981% | 260 |
| Core capital (leverage) ratio | 14.7815% | 652 |
| Tier 1 risk-based capital ratio | 27.2542% | 673 |
| Total risk-based capital ratio | 27.6635% | 723 |
| Memoranda: | ||
| Average total assets | $94,586,000 | 4,947 |
| Average earning assets | $87,345,330 | 4,919 |
| Average equity | $17,862,330 | 3,506 |
| Average total loans | $33,985,670 | 5,668 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 3,247 |
| Cost of funding earning assets | 0.4984% | 4,107 |
| Net interest margin | 3.7152% | 2,792 |
| Noninterest income to average assets | 0.1276% | 6,459 |
| Noninterest expense to average assets | 1.0850% | 6,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3657% | 183 |
| Return on assets (ROA) | 2.3657% | 199 |
| Pretax return on assets | 2.4678% | 278 |
| Return on Equity (ROE) | 12.5317% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.5317% | 619 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5389% | 6,954 |
| Assets per employee ($millions) | 10.7481% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 6,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 36.3857% | 6,268 |
| Net loans and leases to deposits | 45.1053% | 6,113 |
| Net loans and leases to core deposits | 48.6556% | 6,056 |
| Total domestic deposits to total assets | 80.6684% | 5,579 |
| Equity capital to assets | 18.6441% | 293 |
| Core capital (leverage) ratio | 14.4113% | 689 |
| Tier 1 risk-based capital ratio | 24.5163% | 953 |
| Total risk-based capital ratio | 24.8975% | 1,051 |
| Memoranda: | ||
| Average total assets | $94,009,000 | 5,000 |
| Average earning assets | $86,670,000 | 4,971 |
| Average equity | $17,747,000 | 3,557 |
| Average total loans | $34,921,000 | 5,667 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 3,167 |
| Cost of funding earning assets | 0.6274% | 4,120 |
| Net interest margin | 3.9322% | 2,686 |
| Noninterest income to average assets | 0.1290% | 6,396 |
| Noninterest expense to average assets | 0.8379% | 7,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.7254% | 120 |
| Return on assets (ROA) | 2.7382% | 129 |
| Pretax return on assets | 2.8829% | 155 |
| Return on Equity (ROE) | 14.7457% | 860 |
| Retained earnings to average equity (ytd only) | 11.4836% | 380 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.6021% | 7,045 |
| Assets per employee ($millions) | 10.1428% | 225 |
| Cash dividends to net income (ytd only)* | 22.1221% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6128% | 6,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 37.4903% | 6,336 |
| Net loans and leases to deposits | 46.7834% | 6,196 |
| Net loans and leases to core deposits | 51.3012% | 6,066 |
| Total domestic deposits to total assets | 80.1358% | 5,626 |
| Equity capital to assets | 19.1258% | 258 |
| Core capital (leverage) ratio | 14.6484% | 643 |
| Tier 1 risk-based capital ratio | 24.8359% | 870 |
| Total risk-based capital ratio | 25.2385% | 955 |
| Memoranda: | ||
| Average total assets | $89,147,400 | 5,110 |
| Average earning assets | $81,125,400 | 5,098 |
| Average equity | $16,554,000 | 3,691 |
| Average total loans | $33,154,000 | 5,792 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 3,229 |
| Cost of funding earning assets | 0.6417% | 4,270 |
| Net interest margin | 3.9525% | 2,695 |
| Noninterest income to average assets | 0.1309% | 6,482 |
| Noninterest expense to average assets | 0.7990% | 7,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.7920% | 127 |
| Return on assets (ROA) | 2.8091% | 130 |
| Pretax return on assets | 2.9461% | 162 |
| Return on Equity (ROE) | 15.2456% | 858 |
| Retained earnings to average equity (ytd only) | 12.0609% | 518 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.4372% | 7,146 |
| Assets per employee ($millions) | 10.2253% | 219 |
| Cash dividends to net income (ytd only)* | 20.8893% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 6,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 37.1104% | 6,476 |
| Net loans and leases to deposits | 46.9592% | 6,319 |
| Net loans and leases to core deposits | 51.9493% | 6,184 |
| Total domestic deposits to total assets | 79.0270% | 5,865 |
| Equity capital to assets | 18.5856% | 319 |
| Core capital (leverage) ratio | 14.5066% | 706 |
| Tier 1 risk-based capital ratio | 24.3111% | 981 |
| Total risk-based capital ratio | 24.7186% | 1,076 |
| Memoranda: | ||
| Average total assets | $88,613,000 | 5,181 |
| Average earning assets | $80,622,500 | 5,159 |
| Average equity | $16,327,750 | 3,768 |
| Average total loans | $32,834,000 | 5,883 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 3,127 |
| Cost of funding earning assets | 0.6698% | 4,278 |
| Net interest margin | 3.9836% | 2,575 |
| Noninterest income to average assets | 0.1349% | 6,511 |
| Noninterest expense to average assets | 0.8277% | 7,208 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.7908% | 126 |
| Return on assets (ROA) | 2.8168% | 129 |
| Pretax return on assets | 2.9517% | 162 |
| Return on Equity (ROE) | 15.3339% | 881 |
| Retained earnings to average equity (ytd only) | 11.4755% | 664 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.0597% | 7,204 |
| Assets per employee ($millions) | 9.7200% | 253 |
| Cash dividends to net income (ytd only)* | 25.1623% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6542% | 6,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.6267% | 6,573 |
| Net loans and leases to deposits | 45.6965% | 6,460 |
| Net loans and leases to core deposits | 50.3940% | 6,321 |
| Total domestic deposits to total assets | 80.1520% | 5,703 |
| Equity capital to assets | 18.9895% | 279 |
| Core capital (leverage) ratio | 14.1311% | 771 |
| Tier 1 risk-based capital ratio | 24.6442% | 937 |
| Total risk-based capital ratio | 25.0763% | 1,021 |
| Memoranda: | ||
| Average total assets | $87,474,670 | 5,242 |
| Average earning assets | $79,425,670 | 5,227 |
| Average equity | $16,069,000 | 3,797 |
| Average total loans | $32,324,330 | 5,949 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 3,489 |
| Cost of funding earning assets | 0.7116% | 4,183 |
| Net interest margin | 3.8910% | 2,965 |
| Noninterest income to average assets | 0.1646% | 6,399 |
| Noninterest expense to average assets | 0.8917% | 7,266 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.6706% | 144 |
| Return on assets (ROA) | 2.6706% | 171 |
| Pretax return on assets | 2.7986% | 227 |
| Return on Equity (ROE) | 14.7871% | 1,017 |
| Retained earnings to average equity (ytd only) | 14.7871% | 472 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1636% | 7,258 |
| Assets per employee ($millions) | 9.9126% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6580% | 6,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.7100% | 6,639 |
| Net loans and leases to deposits | 44.1448% | 6,550 |
| Net loans and leases to core deposits | 48.6070% | 6,422 |
| Total domestic deposits to total assets | 80.8929% | 5,637 |
| Equity capital to assets | 18.2025% | 323 |
| Core capital (leverage) ratio | 13.7769% | 862 |
| Tier 1 risk-based capital ratio | 23.7470% | 1,035 |
| Total risk-based capital ratio | 24.1753% | 1,129 |
| Memoranda: | ||
| Average total assets | $87,472,000 | 5,279 |
| Average earning assets | $79,259,000 | 5,262 |
| Average equity | $15,797,500 | 3,844 |
| Average total loans | $32,360,500 | 5,983 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 2,131 |
| Cost of funding earning assets | 0.9270% | 3,909 |
| Net interest margin | 4.2580% | 1,846 |
| Noninterest income to average assets | 0.1236% | 6,531 |
| Noninterest expense to average assets | 0.9207% | 7,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.9382% | 89 |
| Return on assets (ROA) | 3.0080% | 88 |
| Pretax return on assets | 3.1315% | 112 |
| Return on Equity (ROE) | 17.7618% | 400 |
| Retained earnings to average equity (ytd only) | 2.7397% | 4,288 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1355% | 7,322 |
| Assets per employee ($millions) | 9.5257% | 275 |
| Cash dividends to net income (ytd only)* | 84.5751% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 6,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.8405% | 6,655 |
| Net loans and leases to deposits | 46.6193% | 6,591 |
| Net loans and leases to core deposits | 51.9280% | 6,432 |
| Total domestic deposits to total assets | 81.1690% | 5,402 |
| Equity capital to assets | 17.9118% | 355 |
| Core capital (leverage) ratio | 13.2989% | 1,042 |
| Tier 1 risk-based capital ratio | 22.7583% | 1,127 |
| Total risk-based capital ratio | 23.1903% | 1,216 |
| Memoranda: | ||
| Average total assets | $82,547,200 | 5,384 |
| Average earning assets | $74,753,400 | 5,383 |
| Average equity | $13,979,400 | 4,113 |
| Average total loans | $32,257,400 | 6,060 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 2,102 |
| Cost of funding earning assets | 0.9762% | 3,842 |
| Net interest margin | 4.2507% | 1,905 |
| Noninterest income to average assets | 0.1207% | 6,660 |
| Noninterest expense to average assets | 0.8937% | 7,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.9666% | 96 |
| Return on assets (ROA) | 2.9666% | 98 |
| Pretax return on assets | 3.0759% | 132 |
| Return on Equity (ROE) | 17.7868% | 476 |
| Retained earnings to average equity (ytd only) | -2.7477% | 6,388 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.5144% | 7,396 |
| Assets per employee ($millions) | 9.5743% | 282 |
| Cash dividends to net income (ytd only)* | 115.4482% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 7,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.0501% | 6,867 |
| Net loans and leases to deposits | 44.0025% | 6,834 |
| Net loans and leases to core deposits | 49.3840% | 6,698 |
| Total domestic deposits to total assets | 81.9274% | 5,121 |
| Equity capital to assets | 17.1245% | 473 |
| Core capital (leverage) ratio | 12.6996% | 1,347 |
| Tier 1 risk-based capital ratio | 21.4207% | 1,378 |
| Total risk-based capital ratio | 21.8532% | 1,508 |
| Memoranda: | ||
| Average total assets | $81,751,250 | 5,446 |
| Average earning assets | $74,025,500 | 5,443 |
| Average equity | $13,635,250 | 4,206 |
| Average total loans | $32,158,750 | 6,127 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 1,827 |
| Cost of funding earning assets | 1.0235% | 3,792 |
| Net interest margin | 4.2948% | 1,680 |
| Noninterest income to average assets | 0.1395% | 6,627 |
| Noninterest expense to average assets | 0.9243% | 7,458 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.0120% | 102 |
| Return on assets (ROA) | 3.0120% | 104 |
| Pretax return on assets | 3.1042% | 134 |
| Return on Equity (ROE) | 18.2330% | 448 |
| Retained earnings to average equity (ytd only) | -13.4372% | 6,986 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9437% | 7,466 |
| Assets per employee ($millions) | 9.1474% | 314 |
| Cash dividends to net income (ytd only)* | 173.6973% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 7,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 38.0616% | 6,857 |
| Net loans and leases to deposits | 46.1685% | 6,819 |
| Net loans and leases to core deposits | 52.1928% | 6,652 |
| Total domestic deposits to total assets | 82.4408% | 5,004 |
| Equity capital to assets | 16.5693% | 533 |
| Core capital (leverage) ratio | 12.3077% | 1,452 |
| Tier 1 risk-based capital ratio | 20.4234% | 1,531 |
| Total risk-based capital ratio | 20.8614% | 1,660 |
| Memoranda: | ||
| Average total assets | $80,278,670 | 5,541 |
| Average earning assets | $72,692,000 | 5,531 |
| Average equity | $13,261,670 | 4,283 |
| Average total loans | $32,453,330 | 6,164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 1,811 |
| Cost of funding earning assets | 1.0637% | 3,760 |
| Net interest margin | 4.2547% | 1,728 |
| Noninterest income to average assets | 0.1464% | 6,677 |
| Noninterest expense to average assets | 0.9842% | 7,517 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.8667% | 119 |
| Return on assets (ROA) | 2.8667% | 123 |
| Pretax return on assets | 2.9979% | 148 |
| Return on Equity (ROE) | 17.3807% | 531 |
| Retained earnings to average equity (ytd only) | -28.5190% | 7,278 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7148% | 7,514 |
| Assets per employee ($millions) | 9.0172% | 327 |
| Cash dividends to net income (ytd only)* | 264.0845% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6172% | 7,185 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 6,528 |
| Noncurrent loans to loans | 0.6172% | 5,797 |
| Net loans and leases to total assets | 41.8680% | 6,629 |
| Net loans and leases to deposits | 50.7961% | 6,567 |
| Net loans and leases to core deposits | 57.8999% | 6,265 |
| Total domestic deposits to total assets | 82.4238% | 5,135 |
| Equity capital to assets | 15.8166% | 605 |
| Core capital (leverage) ratio | 12.6671% | 1,258 |
| Tier 1 risk-based capital ratio | 19.6925% | 1,650 |
| Total risk-based capital ratio | 20.1166% | 1,802 |
| Memoranda: | ||
| Average total assets | $79,254,500 | 5,608 |
| Average earning assets | $71,451,000 | 5,620 |
| Average equity | $13,072,000 | 4,322 |
| Average total loans | $32,907,000 | 6,189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 2,716 |
| Cost of funding earning assets | 1.2456% | 4,242 |
| Net interest margin | 4.1449% | 2,389 |
| Noninterest income to average assets | 0.1393% | 6,695 |
| Noninterest expense to average assets | 1.0177% | 7,577 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.7449% | 88 |
| Return on assets (ROA) | 2.7449% | 90 |
| Pretax return on assets | 2.8817% | 130 |
| Return on Equity (ROE) | 15.4957% | 645 |
| Retained earnings to average equity (ytd only) | 5.8473% | 1,908 |
| Net charge-offs to loans | 0.0256% | 6,551 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 279.2500% | 82 |
| Efficiency ratio | 26.0999% | 7,601 |
| Assets per employee ($millions) | 8.5949% | 388 |
| Cash dividends to net income (ytd only)* | 62.2650% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6672% | 7,181 |
| Loan loss allowance to noncurrent loans | 114.0541% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 6,640 |
| Noncurrent loans to loans | 0.5850% | 5,875 |
| Net loans and leases to total assets | 40.6107% | 6,928 |
| Net loans and leases to deposits | 49.7663% | 6,865 |
| Net loans and leases to core deposits | 55.6394% | 6,713 |
| Total domestic deposits to total assets | 81.6028% | 5,323 |
| Equity capital to assets | 17.2040% | 435 |
| Core capital (leverage) ratio | 13.9960% | 845 |
| Tier 1 risk-based capital ratio | 23.6121% | 971 |
| Total risk-based capital ratio | 24.0764% | 1,045 |
| Memoranda: | ||
| Average total assets | $77,524,200 | 5,658 |
| Average earning assets | $70,328,200 | 5,659 |
| Average equity | $13,732,800 | 4,205 |
| Average total loans | $31,223,800 | 6,351 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 3,058 |
| Cost of funding earning assets | 1.2823% | 4,354 |
| Net interest margin | 4.0810% | 2,702 |
| Noninterest income to average assets | 0.1427% | 6,840 |
| Noninterest expense to average assets | 0.9935% | 7,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.7313% | 108 |
| Return on assets (ROA) | 2.7313% | 112 |
| Pretax return on assets | 2.8637% | 144 |
| Return on Equity (ROE) | 15.3090% | 808 |
| Retained earnings to average equity (ytd only) | 2.5435% | 4,638 |
| Net charge-offs to loans | 0.0300% | 6,262 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 238.0793% | 137 |
| Efficiency ratio | 25.7576% | 7,705 |
| Assets per employee ($millions) | 8.8989% | 361 |
| Cash dividends to net income (ytd only)* | 83.3858% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 7,250 |
| Loan loss allowance to noncurrent loans | 109.8446% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 6,764 |
| Noncurrent loans to loans | 0.6123% | 5,981 |
| Net loans and leases to total assets | 39.0898% | 7,127 |
| Net loans and leases to deposits | 48.2760% | 7,076 |
| Net loans and leases to core deposits | 55.1209% | 6,908 |
| Total domestic deposits to total assets | 80.9714% | 5,376 |
| Equity capital to assets | 17.8249% | 428 |
| Core capital (leverage) ratio | 12.9858% | 1,237 |
| Tier 1 risk-based capital ratio | 22.8843% | 1,086 |
| Total risk-based capital ratio | 23.3604% | 1,162 |
| Memoranda: | ||
| Average total assets | $77,566,750 | 5,733 |
| Average earning assets | $70,601,500 | 5,719 |
| Average equity | $13,839,000 | 4,240 |
| Average total loans | $31,123,500 | 6,435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 2,871 |
| Cost of funding earning assets | 1.3272% | 4,364 |
| Net interest margin | 4.0959% | 2,580 |
| Noninterest income to average assets | 0.1408% | 6,878 |
| Noninterest expense to average assets | 1.0244% | 7,768 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.7188% | 109 |
| Return on assets (ROA) | 2.7188% | 111 |
| Pretax return on assets | 2.8491% | 145 |
| Return on Equity (ROE) | 15.2337% | 812 |
| Retained earnings to average equity (ytd only) | -1.1977% | 6,014 |
| Net charge-offs to loans | 0.0452% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 156.1429% | 226 |
| Efficiency ratio | 26.4468% | 7,768 |
| Assets per employee ($millions) | 8.6000% | 393 |
| Cash dividends to net income (ytd only)* | 107.8619% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 7,294 |
| Loan loss allowance to noncurrent loans | 92.9825% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 6,676 |
| Noncurrent loans to loans | 0.7268% | 5,804 |
| Net loans and leases to total assets | 40.2584% | 7,149 |
| Net loans and leases to deposits | 49.4925% | 7,088 |
| Net loans and leases to core deposits | 58.2267% | 6,815 |
| Total domestic deposits to total assets | 81.3424% | 5,277 |
| Equity capital to assets | 17.4225% | 476 |
| Core capital (leverage) ratio | 13.1011% | 1,176 |
| Tier 1 risk-based capital ratio | 22.7822% | 1,090 |
| Total risk-based capital ratio | 23.2727% | 1,173 |
| Memoranda: | ||
| Average total assets | $76,725,670 | 5,782 |
| Average earning assets | $69,923,000 | 5,776 |
| Average equity | $13,693,330 | 4,271 |
| Average total loans | $30,991,670 | 6,479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 3,405 |
| Cost of funding earning assets | 1.3277% | 4,635 |
| Net interest margin | 4.0003% | 2,872 |
| Noninterest income to average assets | 0.1623% | 6,813 |
| Noninterest expense to average assets | 1.0578% | 7,867 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.6391% | 122 |
| Return on assets (ROA) | 2.6391% | 128 |
| Pretax return on assets | 2.7648% | 167 |
| Return on Equity (ROE) | 14.6113% | 940 |
| Retained earnings to average equity (ytd only) | 14.6113% | 446 |
| Net charge-offs to loans | 0.0909% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 75.4286% | 414 |
| Efficiency ratio | 27.6712% | 7,866 |
| Assets per employee ($millions) | 8.5908% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 7,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 39.9330% | 7,255 |
| Net loans and leases to deposits | 49.5984% | 7,147 |
| Net loans and leases to core deposits | 58.9668% | 6,819 |
| Total domestic deposits to total assets | 80.5127% | 5,611 |
| Equity capital to assets | 18.3569% | 390 |
| Core capital (leverage) ratio | 13.8309% | 998 |
| Tier 1 risk-based capital ratio | 24.0606% | 960 |
| Total risk-based capital ratio | 24.5496% | 1,018 |
| Memoranda: | ||
| Average total assets | $76,388,500 | 5,866 |
| Average earning assets | $69,895,500 | 5,852 |
| Average equity | $13,797,500 | 4,286 |
| Average total loans | $30,801,500 | 6,574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4088% | 4,659 |
| Cost of funding earning assets | 1.7529% | 4,236 |
| Net interest margin | 3.6559% | 4,329 |
| Noninterest income to average assets | 0.1609% | 6,918 |
| Noninterest expense to average assets | 1.0959% | 7,933 |
| Loan and lease loss provision to assets | 0.0261% | 7,251 |
| Net operating income to assets | 2.2509% | 132 |
| Return on assets (ROA) | 2.2509% | 142 |
| Pretax return on assets | 2.3540% | 199 |
| Return on Equity (ROE) | 13.1241% | 935 |
| Retained earnings to average equity (ytd only) | 4.9466% | 1,847 |
| Net charge-offs to loans | 0.0923% | 6,200 |
| Credit loss provision to net charge-offs | 70.3704% | 6,486 |
| Earnings coverage of net charge-offs (x) | 64.1111% | 422 |
| Efficiency ratio | 31.5269% | 7,927 |
| Assets per employee ($millions) | 8.3844% | 428 |
| Cash dividends to net income (ytd only)* | 62.3091% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 7,335 |
| Loan loss allowance to noncurrent loans | 1,216.6667% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 7,468 |
| Noncurrent loans to loans | 0.0590% | 7,275 |
| Net loans and leases to total assets | 40.1497% | 7,342 |
| Net loans and leases to deposits | 49.2778% | 7,299 |
| Net loans and leases to core deposits | 63.2320% | 7,135 |
| Total domestic deposits to total assets | 81.4763% | 5,166 |
| Equity capital to assets | 17.7604% | 465 |
| Core capital (leverage) ratio | 13.5578% | 1,082 |
| Tier 1 risk-based capital ratio | 24.6206% | 889 |
| Total risk-based capital ratio | 25.1637% | 934 |
| Memoranda: | ||
| Average total assets | $72,726,000 | 5,923 |
| Average earning assets | $65,948,400 | 5,932 |
| Average equity | $12,473,200 | 4,639 |
| Average total loans | $29,241,200 | 6,673 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 4,749 |
| Cost of funding earning assets | 1.8788% | 3,996 |
| Net interest margin | 3.5593% | 4,638 |
| Noninterest income to average assets | 0.1684% | 7,006 |
| Noninterest expense to average assets | 1.0734% | 8,019 |
| Loan and lease loss provision to assets | 0.0352% | 7,004 |
| Net operating income to assets | 2.1838% | 187 |
| Return on assets (ROA) | 2.1838% | 210 |
| Pretax return on assets | 2.2819% | 296 |
| Return on Equity (ROE) | 12.8526% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.9212% | 3,091 |
| Net charge-offs to loans | 0.1245% | 5,450 |
| Credit loss provision to net charge-offs | 70.3704% | 5,980 |
| Earnings coverage of net charge-offs (x) | 46.3692% | 676 |
| Efficiency ratio | 31.6594% | 8,000 |
| Assets per employee ($millions) | 7.4045% | 666 |
| Cash dividends to net income (ytd only)* | 69.4920% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 7,227 |
| Loan loss allowance to noncurrent loans | 69.5238% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 6,390 |
| Noncurrent loans to loans | 1.0951% | 5,123 |
| Net loans and leases to total assets | 38.5509% | 7,530 |
| Net loans and leases to deposits | 47.5687% | 7,513 |
| Net loans and leases to core deposits | 60.6115% | 7,378 |
| Total domestic deposits to total assets | 81.0426% | 5,066 |
| Equity capital to assets | 17.9553% | 517 |
| Core capital (leverage) ratio | 13.5789% | 1,211 |
| Tier 1 risk-based capital ratio | 24.0369% | 997 |
| Total risk-based capital ratio | 24.5812% | 1,043 |
| Memoranda: | ||
| Average total assets | $72,042,500 | 5,978 |
| Average earning assets | $65,217,000 | 5,994 |
| Average equity | $12,241,000 | 4,734 |
| Average total loans | $28,922,500 | 6,748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 5,127 |
| Cost of funding earning assets | 1.9811% | 3,865 |
| Net interest margin | 3.4237% | 5,086 |
| Noninterest income to average assets | 0.1653% | 7,099 |
| Noninterest expense to average assets | 1.0256% | 8,120 |
| Loan and lease loss provision to assets | 0.0532% | 6,695 |
| Net operating income to assets | 2.0960% | 241 |
| Return on assets (ROA) | 2.0960% | 263 |
| Pretax return on assets | 2.1856% | 371 |
| Return on Equity (ROE) | 12.5824% | 1,262 |
| Retained earnings to average equity (ytd only) | -0.7906% | 5,425 |
| Net charge-offs to loans | 0.1311% | 4,857 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 42.0526% | 786 |
| Efficiency ratio | 31.4163% | 8,097 |
| Assets per employee ($millions) | 8.0018% | 501 |
| Cash dividends to net income (ytd only)* | 106.2834% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 7,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 41.6893% | 7,470 |
| Net loans and leases to deposits | 50.7197% | 7,456 |
| Net loans and leases to core deposits | 65.5782% | 7,232 |
| Total domestic deposits to total assets | 82.1956% | 4,610 |
| Equity capital to assets | 16.7560% | 701 |
| Core capital (leverage) ratio | 13.2730% | 1,339 |
| Tier 1 risk-based capital ratio | 23.0339% | 1,127 |
| Total risk-based capital ratio | 23.5983% | 1,174 |
| Memoranda: | ||
| Average total assets | $71,375,000 | 6,048 |
| Average earning assets | $64,609,000 | 6,058 |
| Average equity | $11,889,670 | 4,845 |
| Average total loans | $28,975,330 | 6,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5025% | 4,898 |
| Cost of funding earning assets | 2.0712% | 3,789 |
| Net interest margin | 3.4313% | 5,007 |
| Noninterest income to average assets | 0.1576% | 7,180 |
| Noninterest expense to average assets | 1.0809% | 8,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0998% | 286 |
| Return on assets (ROA) | 2.0998% | 332 |
| Pretax return on assets | 2.1730% | 462 |
| Return on Equity (ROE) | 12.6430% | 1,476 |
| Retained earnings to average equity (ytd only) | -12.7786% | 7,309 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2180% | 8,129 |
| Assets per employee ($millions) | 7.7253% | 565 |
| Cash dividends to net income (ytd only)* | 201.0724% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 7,035 |
| Loan loss allowance to noncurrent loans | 412.7273% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 7,357 |
| Noncurrent loans to loans | 0.2020% | 6,956 |
| Net loans and leases to total assets | 38.8318% | 7,623 |
| Net loans and leases to deposits | 47.4416% | 7,606 |
| Net loans and leases to core deposits | 59.0839% | 7,488 |
| Total domestic deposits to total assets | 81.8519% | 4,611 |
| Equity capital to assets | 16.9917% | 724 |
| Core capital (leverage) ratio | 13.0429% | 1,470 |
| Tier 1 risk-based capital ratio | 23.7992% | 1,105 |
| Total risk-based capital ratio | 24.4040% | 1,151 |
| Memoranda: | ||
| Average total assets | $71,054,500 | 6,095 |
| Average earning assets | $64,116,500 | 6,105 |
| Average equity | $11,801,000 | 4,901 |
| Average total loans | $28,338,000 | 6,860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 6,926 |
| Cost of funding earning assets | 2.6678% | 3,324 |
| Net interest margin | 2.9841% | 6,955 |
| Noninterest income to average assets | 0.1828% | 7,139 |
| Noninterest expense to average assets | 0.9829% | 8,210 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7701% | 586 |
| Return on assets (ROA) | 1.7701% | 561 |
| Pretax return on assets | 1.8881% | 784 |
| Return on Equity (ROE) | 10.9792% | 1,914 |
| Retained earnings to average equity (ytd only) | 9.5956% | 511 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2356% | 8,209 |
| Assets per employee ($millions) | 9.0726% | 337 |
| Cash dividends to net income (ytd only)* | 12.6016% | 4,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 7,199 |
| Loan loss allowance to noncurrent loans | 1,135.0000% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 7,485 |
| Noncurrent loans to loans | 0.0679% | 7,233 |
| Net loans and leases to total assets | 40.2626% | 7,661 |
| Net loans and leases to deposits | 50.4079% | 7,612 |
| Net loans and leases to core deposits | 64.0968% | 7,440 |
| Total domestic deposits to total assets | 79.8735% | 5,073 |
| Equity capital to assets | 16.2412% | 890 |
| Core capital (leverage) ratio | 13.6048% | 1,358 |
| Tier 1 risk-based capital ratio | 23.1692% | 1,170 |
| Total risk-based capital ratio | 23.7340% | 1,226 |
| Memoranda: | ||
| Average total assets | $69,486,600 | 6,052 |
| Average earning assets | $62,597,600 | 6,071 |
| Average equity | $11,203,000 | 5,067 |
| Average total loans | $27,693,200 | 6,864 |