Home > Stock Growers Bank > Performance and Condition Ratios
Stock Growers 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 | 3.9087% | 4,073 |
| Cost of funding earning assets | 1.2844% | 2,568 |
| Net interest margin | 2.6243% | 3,936 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.5985% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1042% | 1,912 |
| Return on assets (ROA) | 1.1042% | 1,881 |
| Pretax return on assets | 1.1042% | 2,401 |
| Return on Equity (ROE) | 19.6600% | 642 |
| Retained earnings to average equity (ytd only) | 9.3731% | 1,164 |
| Net charge-offs to loans | 0.0014% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,772.5000% | 90 |
| Efficiency ratio | 56.0447% | 3,493 |
| Assets per employee ($millions) | 10.1158% | 685 |
| Cash dividends to net income (ytd only)* | 52.3272% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 4,145 |
| Loan loss allowance to noncurrent loans | 3,873.0769% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,739 |
| Noncurrent loans to loans | 0.0178% | 3,621 |
| Net loans and leases to total assets | 44.8600% | 3,868 |
| Net loans and leases to deposits | 48.2518% | 3,987 |
| Net loans and leases to core deposits | 52.0103% | 4,031 |
| Total domestic deposits to total assets | 92.9800% | 179 |
| Equity capital to assets | 6.5658% | 4,094 |
| Core capital (leverage) ratio | 10.3216% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $321,056,800 | 2,315 |
| Average earning assets | $311,281,600 | 2,240 |
| Average equity | $18,030,400 | 3,011 |
| Average total loans | $140,577,800 | 2,766 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 4,049 |
| Cost of funding earning assets | 1.1731% | 2,518 |
| Net interest margin | 2.6908% | 3,894 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.4424% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3221% | 1,492 |
| Return on assets (ROA) | 1.3221% | 1,474 |
| Pretax return on assets | 1.3221% | 1,972 |
| Return on Equity (ROE) | 24.5900% | 404 |
| Retained earnings to average equity (ytd only) | 10.2332% | 1,336 |
| Net charge-offs to loans | 0.0019% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,588.5000% | 89 |
| Efficiency ratio | 48.8635% | 3,994 |
| Assets per employee ($millions) | 9.6131% | 766 |
| Cash dividends to net income (ytd only)* | 58.3884% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 4,148 |
| Loan loss allowance to noncurrent loans | 3,729.6296% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,771 |
| Noncurrent loans to loans | 0.0186% | 3,635 |
| Net loans and leases to total assets | 45.3700% | 3,858 |
| Net loans and leases to deposits | 51.4351% | 3,889 |
| Net loans and leases to core deposits | 55.4589% | 3,882 |
| Total domestic deposits to total assets | 88.2000% | 1,510 |
| Equity capital to assets | 4.5922% | 4,322 |
| Core capital (leverage) ratio | 9.9369% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $320,394,500 | 2,318 |
| Average earning assets | $310,630,750 | 2,245 |
| Average equity | $17,224,500 | 3,066 |
| Average total loans | $139,165,000 | 2,784 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 4,103 |
| Cost of funding earning assets | 0.9530% | 2,759 |
| Net interest margin | 2.7839% | 3,845 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.4099% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4516% | 1,209 |
| Return on assets (ROA) | 1.4516% | 1,194 |
| Pretax return on assets | 1.4516% | 1,690 |
| Return on Equity (ROE) | 25.7600% | 348 |
| Retained earnings to average equity (ytd only) | 5.2789% | 2,870 |
| Net charge-offs to loans | 0.0029% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,166.5000% | 124 |
| Efficiency ratio | 46.0752% | 4,160 |
| Assets per employee ($millions) | 10.3486% | 599 |
| Cash dividends to net income (ytd only)* | 79.5114% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,160 |
| 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 | 43.8300% | 3,884 |
| Net loans and leases to deposits | 48.4451% | 3,971 |
| Net loans and leases to core deposits | 51.4550% | 3,971 |
| Total domestic deposits to total assets | 90.4700% | 793 |
| Equity capital to assets | 5.4441% | 4,303 |
| Core capital (leverage) ratio | 9.6858% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $321,448,333 | 2,321 |
| Average earning assets | $311,868,000 | 2,247 |
| Average equity | $18,110,000 | 3,015 |
| Average total loans | $137,243,333 | 2,802 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,064 |
| Cost of funding earning assets | 0.7342% | 2,946 |
| Net interest margin | 2.9434% | 3,715 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.4234% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6061% | 971 |
| Return on assets (ROA) | 1.6049% | 966 |
| Pretax return on assets | 1.6049% | 1,448 |
| Return on Equity (ROE) | 28.0200% | 289 |
| Retained earnings to average equity (ytd only) | -12.2393% | 4,515 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.9885% | 4,302 |
| Assets per employee ($millions) | 10.0241% | 692 |
| Cash dividends to net income (ytd only)* | 143.6871% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 4,150 |
| 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 | 40.7800% | 4,013 |
| Net loans and leases to deposits | 43.4712% | 4,110 |
| Net loans and leases to core deposits | 45.5982% | 4,122 |
| Total domestic deposits to total assets | 93.8100% | 190 |
| Equity capital to assets | 6.0361% | 4,190 |
| Core capital (leverage) ratio | 9.3908% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $321,769,000 | 2,353 |
| Average earning assets | $312,160,000 | 2,283 |
| Average equity | $18,432,500 | 3,021 |
| Average total loans | $135,057,500 | 2,852 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1277% | 3,948 |
| Cost of funding earning assets | 0.3129% | 2,772 |
| Net interest margin | 2.8148% | 3,866 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.6805% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1963% | 1,781 |
| Return on assets (ROA) | 1.1963% | 1,720 |
| Pretax return on assets | 1.1963% | 2,445 |
| Return on Equity (ROE) | 18.9700% | 573 |
| Retained earnings to average equity (ytd only) | 18.9682% | 111 |
| Net charge-offs to loans | 0.0008% | 2,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3,684.0000% | 38 |
| Efficiency ratio | 54.8369% | 3,707 |
| Assets per employee ($millions) | 10.0865% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5127% | 4,420 |
| 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 | 42.6300% | 3,949 |
| Net loans and leases to deposits | 46.0386% | 4,057 |
| Net loans and leases to core deposits | 47.9541% | 4,059 |
| Total domestic deposits to total assets | 92.5900% | 493 |
| Equity capital to assets | 5.4228% | 4,260 |
| Core capital (leverage) ratio | 10.0429% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $307,940,600 | 2,416 |
| Average earning assets | $298,172,000 | 2,346 |
| Average equity | $19,422,000 | 3,002 |
| Average total loans | $130,394,800 | 2,822 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0316% | 3,829 |
| Cost of funding earning assets | 0.2422% | 2,788 |
| Net interest margin | 2.7894% | 3,756 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.4931% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3630% | 1,185 |
| Return on assets (ROA) | 1.3630% | 1,156 |
| Pretax return on assets | 1.3630% | 1,840 |
| Return on Equity (ROE) | 20.8400% | 373 |
| Retained earnings to average equity (ytd only) | 20.8352% | 86 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.9029% | 4,223 |
| Assets per employee ($millions) | 8.9558% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5647% | 4,409 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,880 |
| Noncurrent loans to loans | 0.0239% | 3,733 |
| Net loans and leases to total assets | 42.3000% | 3,973 |
| Net loans and leases to deposits | 43.9362% | 4,115 |
| Net loans and leases to core deposits | 45.8305% | 4,121 |
| Total domestic deposits to total assets | 96.2800% | 108 |
| Equity capital to assets | 3.6624% | 4,525 |
| Core capital (leverage) ratio | 9.9062% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $304,234,000 | 2,444 |
| Average earning assets | $294,490,250 | 2,382 |
| Average equity | $19,901,750 | 3,009 |
| Average total loans | $128,419,000 | 2,843 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8460% | 3,904 |
| Cost of funding earning assets | 0.1789% | 3,198 |
| Net interest margin | 2.6672% | 3,776 |
| Noninterest income to average assets | 0.1589% | 4,218 |
| Noninterest expense to average assets | 1.3760% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3655% | 986 |
| Return on assets (ROA) | 1.3655% | 966 |
| Pretax return on assets | 1.3655% | 1,535 |
| Return on Equity (ROE) | 18.2923% | 438 |
| Retained earnings to average equity (ytd only) | 18.2923% | 105 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6983% | 4,415 |
| Assets per employee ($millions) | 9.1609% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5408% | 4,511 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,192 |
| Noncurrent loans to loans | 0.0229% | 3,790 |
| Net loans and leases to total assets | 43.1904% | 3,893 |
| Net loans and leases to deposits | 45.6832% | 4,043 |
| Net loans and leases to core deposits | 47.5876% | 4,046 |
| Total domestic deposits to total assets | 94.5433% | 195 |
| Equity capital to assets | 5.4193% | 4,390 |
| Core capital (leverage) ratio | 9.5600% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,131,667 | 2,449 |
| Average earning assets | $297,395,333 | 2,395 |
| Average equity | $22,927,667 | 2,822 |
| Average total loans | $129,315,333 | 2,852 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7173% | 3,910 |
| Cost of funding earning assets | 0.1788% | 3,100 |
| Net interest margin | 2.5385% | 3,814 |
| Noninterest income to average assets | 0.1628% | 4,183 |
| Noninterest expense to average assets | 1.4008% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2199% | 1,200 |
| Return on assets (ROA) | 1.2199% | 1,185 |
| Pretax return on assets | 1.2199% | 1,736 |
| Return on Equity (ROE) | 14.4122% | 754 |
| Retained earnings to average equity (ytd only) | 14.4122% | 339 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8521% | 4,317 |
| Assets per employee ($millions) | 9.3905% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5680% | 4,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,438 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 40.1075% | 4,006 |
| Net loans and leases to deposits | 43.1428% | 4,108 |
| Net loans and leases to core deposits | 44.7034% | 4,133 |
| Total domestic deposits to total assets | 92.9645% | 282 |
| Equity capital to assets | 6.9935% | 4,219 |
| Core capital (leverage) ratio | 8.7950% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,542,500 | 2,452 |
| Average earning assets | $299,709,000 | 2,389 |
| Average equity | $26,200,000 | 2,707 |
| Average total loans | $128,333,500 | 2,868 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 3,414 |
| Cost of funding earning assets | 0.2602% | 2,810 |
| Net interest margin | 2.9663% | 3,280 |
| Noninterest income to average assets | 0.1057% | 4,583 |
| Noninterest expense to average assets | 1.6860% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2816% | 1,657 |
| Return on assets (ROA) | 1.2816% | 1,711 |
| Pretax return on assets | 1.2816% | 2,413 |
| Return on Equity (ROE) | 11.5930% | 1,952 |
| Retained earnings to average equity (ytd only) | -0.0182% | 4,496 |
| Net charge-offs to loans | 0.0024% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,273.0000% | 116 |
| Efficiency ratio | 53.2172% | 4,010 |
| Assets per employee ($millions) | 9.3696% | 822 |
| Cash dividends to net income (ytd only)* | 100.1571% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5392% | 4,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,537 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.3544% | 3,961 |
| Net loans and leases to deposits | 47.0615% | 4,044 |
| Net loans and leases to core deposits | 48.7491% | 4,067 |
| Total domestic deposits to total assets | 89.9980% | 958 |
| Equity capital to assets | 9.9380% | 2,713 |
| Core capital (leverage) ratio | 8.8207% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,985,800 | 2,439 |
| Average earning assets | $287,494,000 | 2,392 |
| Average equity | $32,942,400 | 2,387 |
| Average total loans | $123,161,800 | 2,921 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 3,215 |
| Cost of funding earning assets | 0.2783% | 2,821 |
| Net interest margin | 3.0834% | 3,096 |
| Noninterest income to average assets | 0.1084% | 4,634 |
| Noninterest expense to average assets | 1.5452% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5362% | 1,180 |
| Return on assets (ROA) | 1.5362% | 1,228 |
| Pretax return on assets | 1.5362% | 1,889 |
| Return on Equity (ROE) | 13.5376% | 1,541 |
| Retained earnings to average equity (ytd only) | 13.5376% | 568 |
| Net charge-offs to loans | 0.0022% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,700.5000% | 86 |
| Efficiency ratio | 46.5699% | 4,468 |
| Assets per employee ($millions) | 8.9075% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5700% | 4,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,659 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.1925% | 4,079 |
| Net loans and leases to deposits | 47.8818% | 4,124 |
| Net loans and leases to core deposits | 49.7435% | 4,157 |
| Total domestic deposits to total assets | 88.1180% | 1,766 |
| Equity capital to assets | 11.8188% | 1,483 |
| Core capital (leverage) ratio | 10.2691% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,182,750 | 2,475 |
| Average earning assets | $284,617,750 | 2,429 |
| Average equity | $33,496,000 | 2,387 |
| Average total loans | $121,035,000 | 2,982 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 2,779 |
| Cost of funding earning assets | 0.2963% | 2,808 |
| Net interest margin | 3.2502% | 2,608 |
| Noninterest income to average assets | 0.1103% | 4,652 |
| Noninterest expense to average assets | 1.4791% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7632% | 774 |
| Return on assets (ROA) | 1.7632% | 816 |
| Pretax return on assets | 1.7632% | 1,321 |
| Return on Equity (ROE) | 15.7553% | 1,007 |
| Retained earnings to average equity (ytd only) | 15.7553% | 355 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0492% | 4,695 |
| Assets per employee ($millions) | 8.8896% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5609% | 4,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,764 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.0912% | 4,105 |
| Net loans and leases to deposits | 48.8258% | 4,173 |
| Net loans and leases to core deposits | 50.6928% | 4,202 |
| Total domestic deposits to total assets | 88.2549% | 1,695 |
| Equity capital to assets | 11.6728% | 1,537 |
| Core capital (leverage) ratio | 9.7710% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,594,333 | 2,475 |
| Average earning assets | $284,844,333 | 2,421 |
| Average equity | $33,081,000 | 2,400 |
| Average total loans | $119,801,667 | 3,007 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 3,328 |
| Cost of funding earning assets | 0.3167% | 2,827 |
| Net interest margin | 3.0379% | 3,163 |
| Noninterest income to average assets | 0.1200% | 4,590 |
| Noninterest expense to average assets | 1.5692% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4735% | 1,390 |
| Return on assets (ROA) | 1.4735% | 1,452 |
| Pretax return on assets | 1.4735% | 2,064 |
| Return on Equity (ROE) | 13.4523% | 1,557 |
| Retained earnings to average equity (ytd only) | 13.4523% | 826 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2308% | 4,391 |
| Assets per employee ($millions) | 9.1466% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5850% | 4,696 |
| Loan loss allowance to noncurrent loans | 291.0204% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 3,436 |
| Noncurrent loans to loans | 0.2010% | 3,388 |
| Net loans and leases to total assets | 40.1417% | 4,330 |
| Net loans and leases to deposits | 44.9883% | 4,393 |
| Net loans and leases to core deposits | 46.5562% | 4,420 |
| Total domestic deposits to total assets | 89.2270% | 1,218 |
| Equity capital to assets | 10.6816% | 2,103 |
| Core capital (leverage) ratio | 9.3106% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,713,000 | 2,456 |
| Average earning assets | $285,456,000 | 2,407 |
| Average equity | $32,500,000 | 2,416 |
| Average total loans | $116,140,500 | 3,050 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 3,868 |
| Cost of funding earning assets | 0.4880% | 3,024 |
| Net interest margin | 3.0841% | 3,665 |
| Noninterest income to average assets | 0.1312% | 4,625 |
| Noninterest expense to average assets | 1.7781% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2775% | 1,316 |
| Return on assets (ROA) | 1.2819% | 1,401 |
| Pretax return on assets | 1.2819% | 2,040 |
| Return on Equity (ROE) | 11.6164% | 1,440 |
| Retained earnings to average equity (ytd only) | 6.6774% | 1,519 |
| Net charge-offs to loans | -0.0008% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9555% | 4,097 |
| Assets per employee ($millions) | 10.0548% | 523 |
| Cash dividends to net income (ytd only)* | 42.5172% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6458% | 4,664 |
| Loan loss allowance to noncurrent loans | 291.0204% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 3,516 |
| Noncurrent loans to loans | 0.2219% | 3,408 |
| Net loans and leases to total assets | 37.6188% | 4,541 |
| Net loans and leases to deposits | 42.4434% | 4,583 |
| Net loans and leases to core deposits | 43.9302% | 4,604 |
| Total domestic deposits to total assets | 88.6329% | 1,151 |
| Equity capital to assets | 11.2347% | 2,068 |
| Core capital (leverage) ratio | 9.2919% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,093,800 | 2,450 |
| Average earning assets | $258,004,400 | 2,416 |
| Average equity | $30,026,600 | 2,473 |
| Average total loans | $119,008,600 | 2,994 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 3,640 |
| Cost of funding earning assets | 0.5242% | 3,086 |
| Net interest margin | 3.2471% | 3,340 |
| Noninterest income to average assets | 0.0728% | 4,844 |
| Noninterest expense to average assets | 1.5512% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5907% | 747 |
| Return on assets (ROA) | 1.5966% | 802 |
| Pretax return on assets | 1.5966% | 1,191 |
| Return on Equity (ROE) | 14.5401% | 784 |
| Retained earnings to average equity (ytd only) | 7.8016% | 1,369 |
| Net charge-offs to loans | 0.0088% | 2,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 398.5000% | 288 |
| Efficiency ratio | 45.8790% | 4,721 |
| Assets per employee ($millions) | 8.9429% | 704 |
| Cash dividends to net income (ytd only)* | 46.3438% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5795% | 4,749 |
| Loan loss allowance to noncurrent loans | 283.8710% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 3,587 |
| Noncurrent loans to loans | 0.2041% | 3,567 |
| Net loans and leases to total assets | 43.5658% | 4,437 |
| Net loans and leases to deposits | 49.3509% | 4,509 |
| Net loans and leases to core deposits | 51.1745% | 4,548 |
| Total domestic deposits to total assets | 88.2776% | 1,071 |
| Equity capital to assets | 11.5741% | 1,946 |
| Core capital (leverage) ratio | 9.5994% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,220,250 | 2,459 |
| Average earning assets | $252,568,250 | 2,432 |
| Average equity | $29,343,500 | 2,507 |
| Average total loans | $121,159,500 | 2,978 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 4,223 |
| Cost of funding earning assets | 0.5200% | 3,417 |
| Net interest margin | 3.1037% | 3,896 |
| Noninterest income to average assets | 0.0932% | 4,803 |
| Noninterest expense to average assets | 1.1608% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8774% | 419 |
| Return on assets (ROA) | 1.8774% | 464 |
| Pretax return on assets | 1.8774% | 701 |
| Return on Equity (ROE) | 17.1921% | 429 |
| Retained earnings to average equity (ytd only) | 16.4141% | 156 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2884% | 4,997 |
| Assets per employee ($millions) | 7.7563% | 1,058 |
| Cash dividends to net income (ytd only)* | 4.5256% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4269% | 4,892 |
| Loan loss allowance to noncurrent loans | 155.1020% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 3,413 |
| Noncurrent loans to loans | 0.2752% | 3,398 |
| Net loans and leases to total assets | 43.9563% | 4,453 |
| Net loans and leases to deposits | 49.9518% | 4,533 |
| Net loans and leases to core deposits | 52.1337% | 4,561 |
| Total domestic deposits to total assets | 87.9974% | 1,185 |
| Equity capital to assets | 11.8583% | 1,750 |
| Core capital (leverage) ratio | 9.4111% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,381,333 | 2,942 |
| Average earning assets | $185,391,000 | 2,910 |
| Average equity | $21,335,333 | 3,047 |
| Average total loans | $86,833,667 | 3,471 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,301 |
| Cost of funding earning assets | 0.5466% | 3,710 |
| Net interest margin | 3.2009% | 3,848 |
| Noninterest income to average assets | 0.1186% | 4,760 |
| Noninterest expense to average assets | 1.3733% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7790% | 428 |
| Return on assets (ROA) | 1.7790% | 476 |
| Pretax return on assets | 1.7790% | 732 |
| Return on Equity (ROE) | 17.0608% | 334 |
| Retained earnings to average equity (ytd only) | 15.4046% | 171 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7459% | 5,000 |
| Assets per employee ($millions) | 7.3790% | 939 |
| Cash dividends to net income (ytd only)* | 9.7076% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4501% | 4,919 |
| Loan loss allowance to noncurrent loans | 180.0948% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 4,065 |
| Noncurrent loans to loans | 0.2499% | 3,593 |
| Net loans and leases to total assets | 43.8073% | 4,516 |
| Net loans and leases to deposits | 48.8696% | 4,631 |
| Net loans and leases to core deposits | 51.0589% | 4,650 |
| Total domestic deposits to total assets | 89.6411% | 433 |
| Equity capital to assets | 10.1822% | 3,619 |
| Core capital (leverage) ratio | 9.0233% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,240,000 | 2,931 |
| Average earning assets | $182,201,000 | 2,901 |
| Average equity | $20,046,000 | 3,168 |
| Average total loans | $85,738,500 | 3,489 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 4,370 |
| Cost of funding earning assets | 0.5332% | 3,959 |
| Net interest margin | 3.4038% | 3,735 |
| Noninterest income to average assets | 0.1114% | 4,896 |
| Noninterest expense to average assets | 1.8026% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5414% | 958 |
| Return on assets (ROA) | 1.5467% | 1,007 |
| Pretax return on assets | 1.5467% | 1,668 |
| Return on Equity (ROE) | 12.8577% | 1,212 |
| Retained earnings to average equity (ytd only) | -13.1944% | 5,105 |
| Net charge-offs to loans | 0.0264% | 2,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 125.7391% | 566 |
| Efficiency ratio | 49.2349% | 4,774 |
| Assets per employee ($millions) | 7.4087% | 897 |
| Cash dividends to net income (ytd only)* | 202.6189% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4365% | 4,960 |
| 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 | 44.9944% | 4,559 |
| Net loans and leases to deposits | 50.4670% | 4,670 |
| Net loans and leases to core deposits | 52.3094% | 4,696 |
| Total domestic deposits to total assets | 89.1562% | 607 |
| Equity capital to assets | 10.6720% | 3,286 |
| Core capital (leverage) ratio | 9.7598% | 3,778 |
| Tier 1 risk-based capital ratio | 14.4448% | 3,047 |
| Total risk-based capital ratio | 14.7419% | 3,420 |
| Memoranda: | ||
| Average total assets | $187,622,400 | 2,940 |
| Average earning assets | $178,184,400 | 2,901 |
| Average equity | $22,570,200 | 2,908 |
| Average total loans | $87,048,000 | 3,466 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 4,420 |
| Cost of funding earning assets | 0.5187% | 4,068 |
| Net interest margin | 3.4502% | 3,729 |
| Noninterest income to average assets | 0.1066% | 4,966 |
| Noninterest expense to average assets | 1.5031% | 5,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8872% | 508 |
| Return on assets (ROA) | 1.8872% | 529 |
| Pretax return on assets | 1.8872% | 891 |
| Return on Equity (ROE) | 15.2437% | 723 |
| Retained earnings to average equity (ytd only) | 7.2693% | 1,726 |
| Net charge-offs to loans | 0.0352% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 114.6805% | 674 |
| Efficiency ratio | 39.6919% | 5,138 |
| Assets per employee ($millions) | 7.2194% | 948 |
| Cash dividends to net income (ytd only)* | 52.3122% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 5,038 |
| 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 | 46.8102% | 4,560 |
| Net loans and leases to deposits | 54.1361% | 4,620 |
| Net loans and leases to core deposits | 56.2257% | 4,680 |
| Total domestic deposits to total assets | 86.4676% | 1,785 |
| Equity capital to assets | 13.3870% | 1,411 |
| Core capital (leverage) ratio | 11.3628% | 2,332 |
| Tier 1 risk-based capital ratio | 16.5492% | 2,250 |
| Total risk-based capital ratio | 16.8519% | 2,538 |
| Memoranda: | ||
| Average total assets | $186,371,500 | 2,978 |
| Average earning assets | $177,378,000 | 2,940 |
| Average equity | $23,073,500 | 2,885 |
| Average total loans | $87,047,250 | 3,510 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 4,512 |
| Cost of funding earning assets | 0.4945% | 4,139 |
| Net interest margin | 3.4353% | 3,784 |
| Noninterest income to average assets | 0.1054% | 5,015 |
| Noninterest expense to average assets | 1.5587% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8201% | 569 |
| Return on assets (ROA) | 1.8201% | 593 |
| Pretax return on assets | 1.8201% | 989 |
| Return on Equity (ROE) | 15.1148% | 735 |
| Retained earnings to average equity (ytd only) | 2.7871% | 3,816 |
| Net charge-offs to loans | 0.0577% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 67.6800% | 919 |
| Efficiency ratio | 41.4518% | 5,131 |
| Assets per employee ($millions) | 7.0626% | 973 |
| Cash dividends to net income (ytd only)* | 81.5603% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4274% | 5,085 |
| Loan loss allowance to noncurrent loans | 2,907.6923% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,772 |
| Noncurrent loans to loans | 0.0147% | 4,655 |
| Net loans and leases to total assets | 47.9603% | 4,573 |
| Net loans and leases to deposits | 55.1459% | 4,626 |
| Net loans and leases to core deposits | 57.4399% | 4,664 |
| Total domestic deposits to total assets | 86.9698% | 1,606 |
| Equity capital to assets | 12.9044% | 1,635 |
| Core capital (leverage) ratio | 10.8522% | 2,740 |
| Tier 1 risk-based capital ratio | 15.9849% | 2,418 |
| Total risk-based capital ratio | 16.2907% | 2,747 |
| Memoranda: | ||
| Average total assets | $185,927,000 | 2,990 |
| Average earning assets | $177,162,330 | 2,947 |
| Average equity | $22,388,670 | 2,937 |
| Average total loans | $86,648,000 | 3,539 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 4,595 |
| Cost of funding earning assets | 0.4541% | 4,269 |
| Net interest margin | 3.4218% | 3,833 |
| Noninterest income to average assets | 0.1240% | 4,990 |
| Noninterest expense to average assets | 1.5202% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8581% | 502 |
| Return on assets (ROA) | 1.8581% | 516 |
| Pretax return on assets | 1.8581% | 863 |
| Return on Equity (ROE) | 15.9926% | 592 |
| Retained earnings to average equity (ytd only) | -9.4042% | 5,083 |
| Net charge-offs to loans | 0.1213% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 33.4231% | 1,263 |
| Efficiency ratio | 40.3797% | 5,205 |
| Assets per employee ($millions) | 7.1872% | 922 |
| Cash dividends to net income (ytd only)* | 158.8032% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4527% | 5,128 |
| 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 | 44.4814% | 4,726 |
| Net loans and leases to deposits | 50.4951% | 4,801 |
| Net loans and leases to core deposits | 52.2734% | 4,833 |
| Total domestic deposits to total assets | 88.0905% | 1,289 |
| Equity capital to assets | 11.7897% | 2,163 |
| Core capital (leverage) ratio | 10.2069% | 3,376 |
| Tier 1 risk-based capital ratio | 15.9241% | 2,475 |
| Total risk-based capital ratio | 16.2432% | 2,817 |
| Memoranda: | ||
| Average total assets | $187,077,000 | 3,014 |
| Average earning assets | $177,920,000 | 2,971 |
| Average equity | $21,735,000 | 3,002 |
| Average total loans | $85,749,000 | 3,584 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 4,408 |
| Cost of funding earning assets | 0.3930% | 4,025 |
| Net interest margin | 3.4446% | 3,868 |
| Noninterest income to average assets | 0.1186% | 5,085 |
| Noninterest expense to average assets | 1.9293% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4681% | 1,209 |
| Return on assets (ROA) | 1.4670% | 1,202 |
| Pretax return on assets | 1.4670% | 1,886 |
| Return on Equity (ROE) | 13.4399% | 1,201 |
| Retained earnings to average equity (ytd only) | 8.8773% | 914 |
| Net charge-offs to loans | 0.0012% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2,712.0000% | 31 |
| Efficiency ratio | 52.1192% | 4,789 |
| Assets per employee ($millions) | 7.2033% | 897 |
| Cash dividends to net income (ytd only)* | 33.9483% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4591% | 5,167 |
| 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 | 46.7705% | 4,706 |
| Net loans and leases to deposits | 52.8773% | 4,790 |
| Net loans and leases to core deposits | 54.7253% | 4,823 |
| Total domestic deposits to total assets | 88.4509% | 1,097 |
| Equity capital to assets | 11.4471% | 2,293 |
| Core capital (leverage) ratio | 11.8392% | 1,839 |
| Tier 1 risk-based capital ratio | 17.2575% | 1,968 |
| Total risk-based capital ratio | 17.5862% | 2,235 |
| Memoranda: | ||
| Average total assets | $184,726,400 | 3,008 |
| Average earning assets | $175,839,800 | 2,968 |
| Average equity | $20,163,800 | 3,072 |
| Average total loans | $85,462,400 | 3,561 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 4,437 |
| Cost of funding earning assets | 0.3686% | 4,060 |
| Net interest margin | 3.4314% | 3,918 |
| Noninterest income to average assets | 0.1014% | 5,208 |
| Noninterest expense to average assets | 1.7375% | 5,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6275% | 901 |
| Return on assets (ROA) | 1.6260% | 911 |
| Pretax return on assets | 1.6260% | 1,500 |
| Return on Equity (ROE) | 15.0832% | 855 |
| Retained earnings to average equity (ytd only) | 8.9021% | 1,255 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9006% | 5,109 |
| Assets per employee ($millions) | 6.6596% | 1,109 |
| Cash dividends to net income (ytd only)* | 40.9801% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4570% | 5,234 |
| 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 | 49.0562% | 4,660 |
| Net loans and leases to deposits | 59.0029% | 4,597 |
| Net loans and leases to core deposits | 61.1457% | 4,654 |
| Total domestic deposits to total assets | 83.1420% | 3,251 |
| Equity capital to assets | 11.1024% | 2,573 |
| Core capital (leverage) ratio | 9.5213% | 4,148 |
| Tier 1 risk-based capital ratio | 13.6239% | 3,561 |
| Total risk-based capital ratio | 13.9498% | 3,981 |
| Memoranda: | ||
| Average total assets | $184,086,250 | 3,040 |
| Average earning assets | $175,084,500 | 2,994 |
| Average equity | $19,845,000 | 3,125 |
| Average total loans | $84,828,250 | 3,601 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,565 |
| Cost of funding earning assets | 0.3234% | 4,251 |
| Net interest margin | 3.3838% | 4,001 |
| Noninterest income to average assets | 0.1035% | 5,260 |
| Noninterest expense to average assets | 1.7282% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5902% | 935 |
| Return on assets (ROA) | 1.5837% | 961 |
| Pretax return on assets | 1.5837% | 1,553 |
| Return on Equity (ROE) | 14.8341% | 883 |
| Retained earnings to average equity (ytd only) | 5.5439% | 2,799 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3034% | 5,153 |
| Assets per employee ($millions) | 6.6117% | 1,126 |
| Cash dividends to net income (ytd only)* | 62.6276% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4843% | 5,276 |
| Loan loss allowance to noncurrent loans | 352.1739% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 4,694 |
| Noncurrent loans to loans | 0.1375% | 4,288 |
| Net loans and leases to total assets | 46.6202% | 4,790 |
| Net loans and leases to deposits | 52.8205% | 4,883 |
| Net loans and leases to core deposits | 54.6336% | 4,912 |
| Total domestic deposits to total assets | 88.2616% | 1,241 |
| Equity capital to assets | 11.1037% | 2,539 |
| Core capital (leverage) ratio | 10.4139% | 3,124 |
| Tier 1 risk-based capital ratio | 15.4740% | 2,648 |
| Total risk-based capital ratio | 15.8073% | 3,009 |
| Memoranda: | ||
| Average total assets | $185,512,330 | 3,042 |
| Average earning assets | $176,249,330 | 2,999 |
| Average equity | $19,805,670 | 3,148 |
| Average total loans | $83,567,000 | 3,651 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 4,780 |
| Cost of funding earning assets | 0.3056% | 4,314 |
| Net interest margin | 3.2519% | 4,307 |
| Noninterest income to average assets | 0.1249% | 5,232 |
| Noninterest expense to average assets | 1.7861% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4243% | 1,271 |
| Return on assets (ROA) | 1.4158% | 1,312 |
| Pretax return on assets | 1.4158% | 1,957 |
| Return on Equity (ROE) | 13.5169% | 1,132 |
| Retained earnings to average equity (ytd only) | -5.0713% | 5,210 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8240% | 5,035 |
| Assets per employee ($millions) | 6.9829% | 966 |
| Cash dividends to net income (ytd only)* | 137.5187% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5045% | 5,329 |
| 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 | 42.3621% | 4,965 |
| Net loans and leases to deposits | 47.2019% | 5,069 |
| Net loans and leases to core deposits | 48.7785% | 5,078 |
| Total domestic deposits to total assets | 89.7464% | 766 |
| Equity capital to assets | 10.1783% | 3,416 |
| Core capital (leverage) ratio | 8.9693% | 4,706 |
| Tier 1 risk-based capital ratio | 15.9634% | 2,494 |
| Total risk-based capital ratio | 16.3529% | 2,761 |
| Memoranda: | ||
| Average total assets | $189,010,000 | 3,046 |
| Average earning assets | $179,341,000 | 3,000 |
| Average equity | $19,797,500 | 3,177 |
| Average total loans | $83,535,500 | 3,679 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 4,708 |
| Cost of funding earning assets | 0.2995% | 4,153 |
| Net interest margin | 3.2426% | 4,324 |
| Noninterest income to average assets | 0.2010% | 4,940 |
| Noninterest expense to average assets | 2.1259% | 4,708 |
| Loan and lease loss provision to assets | 0.0702% | 2,796 |
| Net operating income to assets | 1.0052% | 2,219 |
| Return on assets (ROA) | 1.0196% | 2,192 |
| Pretax return on assets | 1.0196% | 3,496 |
| Return on Equity (ROE) | 8.6967% | 2,452 |
| Retained earnings to average equity (ytd only) | -32.5866% | 5,645 |
| Net charge-offs to loans | 0.0024% | 4,022 |
| Credit loss provision to net charge-offs | 6,600.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,011.0000% | 81 |
| Efficiency ratio | 61.9372% | 3,949 |
| Assets per employee ($millions) | 7.0178% | 959 |
| Cash dividends to net income (ytd only)* | 474.7001% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 5,429 |
| 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 | 45.5940% | 4,910 |
| Net loans and leases to deposits | 51.1362% | 5,018 |
| Net loans and leases to core deposits | 52.8437% | 5,046 |
| Total domestic deposits to total assets | 89.1620% | 923 |
| Equity capital to assets | 10.7689% | 2,876 |
| Core capital (leverage) ratio | 9.7777% | 3,719 |
| Tier 1 risk-based capital ratio | 14.3714% | 3,160 |
| Total risk-based capital ratio | 14.6994% | 3,566 |
| Memoranda: | ||
| Average total assets | $188,018,600 | 3,040 |
| Average earning assets | $173,966,000 | 3,026 |
| Average equity | $22,042,800 | 2,952 |
| Average total loans | $83,060,400 | 3,681 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 4,626 |
| Cost of funding earning assets | 0.3104% | 4,022 |
| Net interest margin | 3.2637% | 4,281 |
| Noninterest income to average assets | 0.0947% | 5,493 |
| Noninterest expense to average assets | 1.3612% | 5,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9248% | 364 |
| Return on assets (ROA) | 1.9533% | 351 |
| Pretax return on assets | 1.9533% | 603 |
| Return on Equity (ROE) | 17.8211% | 347 |
| Retained earnings to average equity (ytd only) | -76.9053% | 5,727 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4236% | 5,546 |
| Assets per employee ($millions) | 8.3410% | 558 |
| Cash dividends to net income (ytd only)* | 531.5420% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 5,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 47.9353% | 4,830 |
| Net loans and leases to deposits | 56.5129% | 4,843 |
| Net loans and leases to core deposits | 59.3733% | 4,847 |
| Total domestic deposits to total assets | 84.8220% | 2,791 |
| Equity capital to assets | 9.9945% | 3,913 |
| Core capital (leverage) ratio | 9.4090% | 4,281 |
| Tier 1 risk-based capital ratio | 12.6459% | 4,236 |
| Total risk-based capital ratio | 12.9717% | 4,697 |
| Memoranda: | ||
| Average total assets | $116,858,750 | 3,985 |
| Average earning assets | $114,264,250 | 3,880 |
| Average equity | $12,808,500 | 4,049 |
| Average total loans | $50,966,250 | 4,478 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 4,763 |
| Cost of funding earning assets | 0.2903% | 4,183 |
| Net interest margin | 3.2103% | 4,390 |
| Noninterest income to average assets | 0.0958% | 5,536 |
| Noninterest expense to average assets | 1.3329% | 5,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9044% | 370 |
| Return on assets (ROA) | 1.9095% | 376 |
| Pretax return on assets | 1.9095% | 634 |
| Return on Equity (ROE) | 16.9249% | 417 |
| Retained earnings to average equity (ytd only) | -121.0828% | 5,779 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1734% | 5,600 |
| Assets per employee ($millions) | 8.0141% | 622 |
| Cash dividends to net income (ytd only)* | 815.4122% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5316% | 5,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 45.8582% | 4,958 |
| Net loans and leases to deposits | 50.9875% | 5,107 |
| Net loans and leases to core deposits | 53.1002% | 5,115 |
| Total domestic deposits to total assets | 89.9401% | 555 |
| Equity capital to assets | 10.0216% | 3,886 |
| Core capital (leverage) ratio | 8.8513% | 4,897 |
| Tier 1 risk-based capital ratio | 12.1918% | 4,494 |
| Total risk-based capital ratio | 12.5245% | 4,986 |
| Memoranda: | ||
| Average total assets | $116,887,000 | 4,009 |
| Average earning assets | $114,382,330 | 3,904 |
| Average equity | $13,187,670 | 4,008 |
| Average total loans | $49,204,670 | 4,547 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 5,070 |
| Cost of funding earning assets | 0.2746% | 4,308 |
| Net interest margin | 3.0450% | 4,801 |
| Noninterest income to average assets | 0.1006% | 5,589 |
| Noninterest expense to average assets | 1.1708% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9055% | 360 |
| Return on assets (ROA) | 1.9089% | 368 |
| Pretax return on assets | 1.9089% | 615 |
| Return on Equity (ROE) | 16.0740% | 520 |
| Retained earnings to average equity (ytd only) | -241.0255% | 5,853 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0589% | 5,725 |
| Assets per employee ($millions) | 7.3358% | 808 |
| Cash dividends to net income (ytd only)* | 1,599.4728% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6038% | 5,471 |
| Loan loss allowance to noncurrent loans | 231.0924% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,861 |
| Noncurrent loans to loans | 0.2613% | 4,177 |
| Net loans and leases to total assets | 38.5671% | 5,301 |
| Net loans and leases to deposits | 42.1968% | 5,412 |
| Net loans and leases to core deposits | 43.8634% | 5,412 |
| Total domestic deposits to total assets | 91.3983% | 194 |
| Equity capital to assets | 8.5651% | 5,190 |
| Core capital (leverage) ratio | 8.1338% | 5,487 |
| Tier 1 risk-based capital ratio | 14.1051% | 3,410 |
| Total risk-based capital ratio | 14.5122% | 3,830 |
| Memoranda: | ||
| Average total assets | $119,231,500 | 4,006 |
| Average earning assets | $116,518,000 | 3,907 |
| Average equity | $14,159,500 | 3,897 |
| Average total loans | $47,943,500 | 4,629 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 4,482 |
| Cost of funding earning assets | 0.2747% | 4,314 |
| Net interest margin | 3.3348% | 4,043 |
| Noninterest income to average assets | 0.1129% | 5,608 |
| Noninterest expense to average assets | 1.6381% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7303% | 506 |
| Return on assets (ROA) | 1.7320% | 534 |
| Pretax return on assets | 1.7320% | 928 |
| Return on Equity (ROE) | 11.0712% | 1,554 |
| Retained earnings to average equity (ytd only) | 4.2512% | 2,883 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6320% | 5,545 |
| Assets per employee ($millions) | 7.5682% | 708 |
| Cash dividends to net income (ytd only)* | 61.6012% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 5,606 |
| 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 | 41.3491% | 5,261 |
| Net loans and leases to deposits | 48.7143% | 5,265 |
| Net loans and leases to core deposits | 50.7228% | 5,277 |
| Total domestic deposits to total assets | 84.8808% | 3,101 |
| Equity capital to assets | 15.0845% | 630 |
| Core capital (leverage) ratio | 15.0413% | 596 |
| Tier 1 risk-based capital ratio | 26.8564% | 626 |
| Total risk-based capital ratio | 27.2654% | 679 |
| Memoranda: | ||
| Average total assets | $120,441,000 | 3,988 |
| Average earning assets | $117,578,400 | 3,875 |
| Average equity | $18,841,600 | 3,290 |
| Average total loans | $54,008,800 | 4,458 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 4,387 |
| Cost of funding earning assets | 0.2759% | 4,329 |
| Net interest margin | 3.3801% | 3,918 |
| Noninterest income to average assets | 0.1075% | 5,682 |
| Noninterest expense to average assets | 1.3856% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0219% | 331 |
| Return on assets (ROA) | 2.0252% | 342 |
| Pretax return on assets | 2.0252% | 540 |
| Return on Equity (ROE) | 12.8305% | 1,102 |
| Retained earnings to average equity (ytd only) | 3.8063% | 3,601 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6636% | 5,817 |
| Assets per employee ($millions) | 7.0037% | 889 |
| Cash dividends to net income (ytd only)* | 70.3338% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 5,717 |
| 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 | 47.6615% | 4,984 |
| Net loans and leases to deposits | 57.7738% | 4,891 |
| Net loans and leases to core deposits | 60.4290% | 4,911 |
| Total domestic deposits to total assets | 82.4967% | 3,781 |
| Equity capital to assets | 17.4667% | 395 |
| Core capital (leverage) ratio | 15.8139% | 509 |
| Tier 1 risk-based capital ratio | 24.5606% | 853 |
| Total risk-based capital ratio | 24.9400% | 913 |
| Memoranda: | ||
| Average total assets | $120,278,500 | 4,012 |
| Average earning assets | $117,431,000 | 3,900 |
| Average equity | $18,985,500 | 3,296 |
| Average total loans | $54,924,750 | 4,470 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 4,718 |
| Cost of funding earning assets | 0.2547% | 4,609 |
| Net interest margin | 3.3015% | 4,227 |
| Noninterest income to average assets | 0.1106% | 5,740 |
| Noninterest expense to average assets | 1.3185% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0160% | 323 |
| Return on assets (ROA) | 2.0225% | 337 |
| Pretax return on assets | 2.0225% | 548 |
| Return on Equity (ROE) | 13.2413% | 970 |
| Retained earnings to average equity (ytd only) | -0.4364% | 5,357 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5417% | 5,914 |
| Assets per employee ($millions) | 7.4686% | 710 |
| Cash dividends to net income (ytd only)* | 103.2958% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5063% | 5,794 |
| 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 | 45.2262% | 5,168 |
| Net loans and leases to deposits | 56.8842% | 4,956 |
| Net loans and leases to core deposits | 62.8777% | 4,819 |
| Total domestic deposits to total assets | 79.5058% | 4,672 |
| Equity capital to assets | 16.2690% | 505 |
| Core capital (leverage) ratio | 14.2672% | 753 |
| Tier 1 risk-based capital ratio | 19.9916% | 1,463 |
| Total risk-based capital ratio | 20.3109% | 1,648 |
| Memoranda: | ||
| Average total assets | $123,018,330 | 3,995 |
| Average earning assets | $120,128,000 | 3,877 |
| Average equity | $18,789,670 | 3,329 |
| Average total loans | $55,338,330 | 4,494 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4951% | 4,903 |
| Cost of funding earning assets | 0.2501% | 4,707 |
| Net interest margin | 3.2450% | 4,414 |
| Noninterest income to average assets | 0.1090% | 5,793 |
| Noninterest expense to average assets | 1.1348% | 6,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1350% | 257 |
| Return on assets (ROA) | 2.1382% | 269 |
| Pretax return on assets | 2.1382% | 429 |
| Return on Equity (ROE) | 14.4497% | 756 |
| Retained earnings to average equity (ytd only) | -13.3882% | 5,884 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7059% | 6,037 |
| Assets per employee ($millions) | 8.0119% | 567 |
| Cash dividends to net income (ytd only)* | 192.6537% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 5,858 |
| Loan loss allowance to noncurrent loans | 229.1667% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 5,177 |
| Noncurrent loans to loans | 0.2220% | 4,632 |
| Net loans and leases to total assets | 44.7495% | 5,208 |
| Net loans and leases to deposits | 55.4920% | 5,015 |
| Net loans and leases to core deposits | 61.3824% | 4,852 |
| Total domestic deposits to total assets | 80.6412% | 4,592 |
| Equity capital to assets | 15.1550% | 663 |
| Core capital (leverage) ratio | 13.1744% | 1,093 |
| Tier 1 risk-based capital ratio | 20.7947% | 1,344 |
| Total risk-based capital ratio | 21.1383% | 1,498 |
| Memoranda: | ||
| Average total assets | $124,779,000 | 3,996 |
| Average earning assets | $121,542,500 | 3,882 |
| Average equity | $18,464,000 | 3,369 |
| Average total loans | $55,848,000 | 4,501 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 4,307 |
| Cost of funding earning assets | 0.2643% | 4,648 |
| Net interest margin | 3.4567% | 3,688 |
| Noninterest income to average assets | 0.1409% | 5,707 |
| Noninterest expense to average assets | 1.4871% | 5,991 |
| Loan and lease loss provision to assets | 0.0208% | 3,974 |
| Net operating income to assets | 2.0122% | 338 |
| Return on assets (ROA) | 2.0689% | 318 |
| Pretax return on assets | 2.0689% | 466 |
| Return on Equity (ROE) | 13.9768% | 847 |
| Retained earnings to average equity (ytd only) | 6.7969% | 1,377 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2448% | 6,021 |
| Assets per employee ($millions) | 8.6253% | 448 |
| Cash dividends to net income (ytd only)* | 51.3699% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 5,937 |
| 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 | 44.3399% | 5,261 |
| Net loans and leases to deposits | 54.3161% | 5,148 |
| Net loans and leases to core deposits | 59.5569% | 5,010 |
| Total domestic deposits to total assets | 81.6332% | 4,292 |
| Equity capital to assets | 14.4651% | 778 |
| Core capital (leverage) ratio | 13.7158% | 902 |
| Tier 1 risk-based capital ratio | 20.5930% | 1,367 |
| Total risk-based capital ratio | 20.9211% | 1,521 |
| Memoranda: | ||
| Average total assets | $119,969,000 | 4,070 |
| Average earning assets | $117,279,000 | 3,942 |
| Average equity | $17,758,000 | 3,414 |
| Average total loans | $57,061,000 | 4,460 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,217 |
| Cost of funding earning assets | 0.2616% | 4,761 |
| Net interest margin | 3.4994% | 3,538 |
| Noninterest income to average assets | 0.1417% | 5,777 |
| Noninterest expense to average assets | 1.1880% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.3806% | 190 |
| Return on assets (ROA) | 2.4588% | 176 |
| Pretax return on assets | 2.4588% | 253 |
| Return on Equity (ROE) | 16.5076% | 529 |
| Retained earnings to average equity (ytd only) | 6.8040% | 1,785 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2910% | 6,207 |
| Assets per employee ($millions) | 8.0366% | 531 |
| Cash dividends to net income (ytd only)* | 58.7829% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 6,075 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 4,955 |
| Noncurrent loans to loans | 0.4084% | 4,146 |
| Net loans and leases to total assets | 48.5363% | 5,044 |
| Net loans and leases to deposits | 60.1614% | 4,846 |
| Net loans and leases to core deposits | 66.5128% | 4,651 |
| Total domestic deposits to total assets | 80.6767% | 4,556 |
| Equity capital to assets | 15.1449% | 705 |
| Core capital (leverage) ratio | 14.6828% | 700 |
| Tier 1 risk-based capital ratio | 20.0397% | 1,538 |
| Total risk-based capital ratio | 20.3354% | 1,721 |
| Memoranda: | ||
| Average total assets | $117,616,250 | 4,149 |
| Average earning assets | $115,178,250 | 4,021 |
| Average equity | $17,518,750 | 3,478 |
| Average total loans | $56,915,750 | 4,509 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,313 |
| Cost of funding earning assets | 0.2640% | 4,785 |
| Net interest margin | 3.4672% | 3,631 |
| Noninterest income to average assets | 0.1475% | 5,826 |
| Noninterest expense to average assets | 1.2174% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.3303% | 213 |
| Return on assets (ROA) | 2.4006% | 202 |
| Pretax return on assets | 2.4006% | 285 |
| Return on Equity (ROE) | 16.2106% | 590 |
| Retained earnings to average equity (ytd only) | 1.4474% | 4,970 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3161% | 6,272 |
| Assets per employee ($millions) | 9.6372% | 300 |
| Cash dividends to net income (ytd only)* | 91.0714% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4263% | 6,149 |
| Loan loss allowance to noncurrent loans | 757.5758% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 5,766 |
| Noncurrent loans to loans | 0.0563% | 5,512 |
| Net loans and leases to total assets | 50.4929% | 4,885 |
| Net loans and leases to deposits | 62.9622% | 4,625 |
| Net loans and leases to core deposits | 66.0091% | 4,653 |
| Total domestic deposits to total assets | 80.1956% | 4,817 |
| Equity capital to assets | 14.7597% | 755 |
| Core capital (leverage) ratio | 14.0062% | 836 |
| Tier 1 risk-based capital ratio | 19.9970% | 1,543 |
| Total risk-based capital ratio | 20.3060% | 1,751 |
| Memoranda: | ||
| Average total assets | $116,638,670 | 4,212 |
| Average earning assets | $114,385,670 | 4,064 |
| Average equity | $17,272,670 | 3,527 |
| Average total loans | $56,301,000 | 4,569 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 4,556 |
| Cost of funding earning assets | 0.2612% | 4,892 |
| Net interest margin | 3.3821% | 3,909 |
| Noninterest income to average assets | 0.1537% | 5,821 |
| Noninterest expense to average assets | 1.2430% | 6,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2265% | 222 |
| Return on assets (ROA) | 2.2299% | 230 |
| Pretax return on assets | 2.2299% | 364 |
| Return on Equity (ROE) | 15.0335% | 705 |
| Retained earnings to average equity (ytd only) | -14.3198% | 6,215 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8268% | 6,329 |
| Assets per employee ($millions) | 8.3561% | 469 |
| Cash dividends to net income (ytd only)* | 195.2527% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4748% | 6,186 |
| Loan loss allowance to noncurrent loans | 1,310.5263% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,883 |
| Noncurrent loans to loans | 0.0362% | 5,646 |
| Net loans and leases to total assets | 44.6134% | 5,298 |
| Net loans and leases to deposits | 52.3223% | 5,314 |
| Net loans and leases to core deposits | 54.6646% | 5,333 |
| Total domestic deposits to total assets | 85.2665% | 3,280 |
| Equity capital to assets | 14.6976% | 780 |
| Core capital (leverage) ratio | 13.2827% | 1,056 |
| Tier 1 risk-based capital ratio | 20.4016% | 1,541 |
| Total risk-based capital ratio | 20.7308% | 1,696 |
| Memoranda: | ||
| Average total assets | $117,135,000 | 4,235 |
| Average earning assets | $114,840,000 | 4,083 |
| Average equity | $17,374,500 | 3,540 |
| Average total loans | $55,130,000 | 4,637 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 4,476 |
| Cost of funding earning assets | 0.2718% | 5,073 |
| Net interest margin | 3.5329% | 3,672 |
| Noninterest income to average assets | 0.1510% | 5,939 |
| Noninterest expense to average assets | 1.4651% | 6,314 |
| Loan and lease loss provision to assets | 0.0365% | 3,851 |
| Net operating income to assets | 2.1013% | 272 |
| Return on assets (ROA) | 2.1473% | 252 |
| Pretax return on assets | 2.1473% | 364 |
| Return on Equity (ROE) | 15.3695% | 716 |
| Retained earnings to average equity (ytd only) | 7.4487% | 1,216 |
| Net charge-offs to loans | 0.0171% | 4,518 |
| Credit loss provision to net charge-offs | 466.6667% | 561 |
| Earnings coverage of net charge-offs (x) | 273.6667% | 195 |
| Efficiency ratio | 40.6649% | 6,386 |
| Assets per employee ($millions) | 8.3775% | 462 |
| Cash dividends to net income (ytd only)* | 51.5360% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 6,312 |
| 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 | 49.0864% | 5,058 |
| Net loans and leases to deposits | 61.0554% | 4,800 |
| Net loans and leases to core deposits | 63.7313% | 4,853 |
| Total domestic deposits to total assets | 80.3965% | 4,911 |
| Equity capital to assets | 14.9678% | 711 |
| Core capital (leverage) ratio | 13.8406% | 855 |
| Tier 1 risk-based capital ratio | 19.9841% | 1,605 |
| Total risk-based capital ratio | 20.2940% | 1,797 |
| Memoranda: | ||
| Average total assets | $115,211,800 | 4,271 |
| Average earning assets | $112,571,200 | 4,119 |
| Average equity | $16,096,800 | 3,652 |
| Average total loans | $52,564,600 | 4,744 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,625 |
| Cost of funding earning assets | 0.2691% | 5,213 |
| Net interest margin | 3.5094% | 3,793 |
| Noninterest income to average assets | 0.1430% | 6,061 |
| Noninterest expense to average assets | 1.0718% | 6,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.4970% | 145 |
| Return on assets (ROA) | 2.5028% | 145 |
| Pretax return on assets | 2.5028% | 208 |
| Return on Equity (ROE) | 18.2465% | 418 |
| Retained earnings to average equity (ytd only) | 7.4410% | 1,599 |
| Net charge-offs to loans | 0.0208% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 268.4096% | 253 |
| Efficiency ratio | 30.0326% | 6,543 |
| Assets per employee ($millions) | 8.2257% | 468 |
| Cash dividends to net income (ytd only)* | 59.2199% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3887% | 6,414 |
| 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 | 46.2912% | 5,350 |
| Net loans and leases to deposits | 57.8433% | 5,112 |
| Net loans and leases to core deposits | 60.2648% | 5,171 |
| Total domestic deposits to total assets | 80.0287% | 5,088 |
| Equity capital to assets | 14.9878% | 733 |
| Core capital (leverage) ratio | 14.1251% | 811 |
| Tier 1 risk-based capital ratio | 20.3753% | 1,579 |
| Total risk-based capital ratio | 20.6447% | 1,775 |
| Memoranda: | ||
| Average total assets | $114,693,500 | 4,323 |
| Average earning assets | $111,963,500 | 4,174 |
| Average equity | $15,732,250 | 3,729 |
| Average total loans | $51,250,750 | 4,821 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 4,714 |
| Cost of funding earning assets | 0.2595% | 5,389 |
| Net interest margin | 3.4858% | 3,838 |
| Noninterest income to average assets | 0.1519% | 6,047 |
| Noninterest expense to average assets | 1.0756% | 6,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4778% | 144 |
| Return on assets (ROA) | 2.4778% | 149 |
| Pretax return on assets | 2.4778% | 215 |
| Return on Equity (ROE) | 18.6428% | 395 |
| Retained earnings to average equity (ytd only) | 1.8919% | 4,939 |
| Net charge-offs to loans | 0.0079% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 709.5000% | 96 |
| Efficiency ratio | 30.2703% | 6,606 |
| Assets per employee ($millions) | 7.9963% | 496 |
| Cash dividends to net income (ytd only)* | 89.8520% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4241% | 6,474 |
| 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 | 44.8816% | 5,471 |
| Net loans and leases to deposits | 52.9202% | 5,432 |
| Net loans and leases to core deposits | 55.2174% | 5,466 |
| Total domestic deposits to total assets | 84.8099% | 3,599 |
| Equity capital to assets | 14.3540% | 859 |
| Core capital (leverage) ratio | 13.1359% | 1,113 |
| Tier 1 risk-based capital ratio | 20.4876% | 1,570 |
| Total risk-based capital ratio | 20.7799% | 1,766 |
| Memoranda: | ||
| Average total assets | $114,538,000 | 4,357 |
| Average earning assets | $111,768,330 | 4,192 |
| Average equity | $15,223,000 | 3,818 |
| Average total loans | $50,495,330 | 4,880 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,838 |
| Cost of funding earning assets | 0.2516% | 5,564 |
| Net interest margin | 3.4512% | 3,895 |
| Noninterest income to average assets | 0.1519% | 6,062 |
| Noninterest expense to average assets | 1.0360% | 6,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.4794% | 148 |
| Return on assets (ROA) | 2.4794% | 157 |
| Pretax return on assets | 2.4794% | 228 |
| Return on Equity (ROE) | 19.4054% | 334 |
| Retained earnings to average equity (ytd only) | -15.0541% | 6,467 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4695% | 6,677 |
| Assets per employee ($millions) | 8.4114% | 414 |
| Cash dividends to net income (ytd only)* | 177.5766% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4429% | 6,539 |
| Loan loss allowance to noncurrent loans | 744.8276% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,221 |
| Noncurrent loans to loans | 0.0595% | 5,973 |
| Net loans and leases to total assets | 41.2317% | 5,731 |
| Net loans and leases to deposits | 47.2191% | 5,778 |
| Net loans and leases to core deposits | 48.8559% | 5,833 |
| Total domestic deposits to total assets | 87.3199% | 2,621 |
| Equity capital to assets | 12.6445% | 1,497 |
| Core capital (leverage) ratio | 12.2895% | 1,484 |
| Tier 1 risk-based capital ratio | 19.9395% | 1,739 |
| Total risk-based capital ratio | 20.2407% | 1,935 |
| Memoranda: | ||
| Average total assets | $115,833,000 | 4,369 |
| Average earning assets | $112,889,000 | 4,198 |
| Average equity | $14,800,000 | 3,897 |
| Average total loans | $50,514,000 | 4,914 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 5,043 |
| Cost of funding earning assets | 0.2766% | 5,790 |
| Net interest margin | 3.4505% | 4,099 |
| Noninterest income to average assets | 0.1710% | 6,060 |
| Noninterest expense to average assets | 1.4470% | 6,605 |
| Loan and lease loss provision to assets | 0.0143% | 4,841 |
| Net operating income to assets | 2.1579% | 258 |
| Return on assets (ROA) | 2.1579% | 262 |
| Pretax return on assets | 2.0836% | 403 |
| Return on Equity (ROE) | 16.3997% | 576 |
| Retained earnings to average equity (ytd only) | 8.9144% | 791 |
| Net charge-offs to loans | 0.0062% | 5,339 |
| Credit loss provision to net charge-offs | 533.3333% | 440 |
| Earnings coverage of net charge-offs (x) | 781.0000% | 49 |
| Efficiency ratio | 40.8184% | 6,678 |
| Assets per employee ($millions) | 8.1362% | 447 |
| Cash dividends to net income (ytd only)* | 45.6432% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4133% | 6,628 |
| 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 | 45.6881% | 5,520 |
| Net loans and leases to deposits | 55.5055% | 5,350 |
| Net loans and leases to core deposits | 57.3991% | 5,433 |
| Total domestic deposits to total assets | 82.3128% | 4,764 |
| Equity capital to assets | 12.9140% | 1,313 |
| Core capital (leverage) ratio | 13.2948% | 1,024 |
| Tier 1 risk-based capital ratio | 19.5808% | 1,757 |
| Total risk-based capital ratio | 19.8656% | 2,011 |
| Memoranda: | ||
| Average total assets | $111,681,600 | 4,463 |
| Average earning assets | $109,200,600 | 4,284 |
| Average equity | $14,695,400 | 3,923 |
| Average total loans | $48,635,800 | 5,014 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 5,233 |
| Cost of funding earning assets | 0.2786% | 5,896 |
| Net interest margin | 3.3980% | 4,297 |
| Noninterest income to average assets | 0.1584% | 6,236 |
| Noninterest expense to average assets | 1.0354% | 6,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.5448% | 165 |
| Return on assets (ROA) | 2.5448% | 171 |
| Pretax return on assets | 2.4452% | 258 |
| Return on Equity (ROE) | 19.2484% | 354 |
| Retained earnings to average equity (ytd only) | 9.2657% | 979 |
| Net charge-offs to loans | 0.0056% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,017.7041% | 43 |
| Efficiency ratio | 29.7484% | 6,837 |
| Assets per employee ($millions) | 7.8558% | 488 |
| Cash dividends to net income (ytd only)* | 51.8623% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 6,719 |
| 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 | 44.9269% | 5,635 |
| Net loans and leases to deposits | 54.6612% | 5,478 |
| Net loans and leases to core deposits | 56.5958% | 5,569 |
| Total domestic deposits to total assets | 82.1915% | 4,865 |
| Equity capital to assets | 13.3123% | 1,194 |
| Core capital (leverage) ratio | 13.7273% | 944 |
| Tier 1 risk-based capital ratio | 20.0711% | 1,721 |
| Total risk-based capital ratio | 20.3481% | 1,926 |
| Memoranda: | ||
| Average total assets | $111,125,250 | 4,516 |
| Average earning assets | $108,649,750 | 4,340 |
| Average equity | $14,691,750 | 3,971 |
| Average total loans | $47,730,250 | 5,085 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 5,378 |
| Cost of funding earning assets | 0.2825% | 5,966 |
| Net interest margin | 3.3353% | 4,433 |
| Noninterest income to average assets | 0.1507% | 6,296 |
| Noninterest expense to average assets | 1.0188% | 6,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.5416% | 160 |
| Return on assets (ROA) | 2.5416% | 175 |
| Pretax return on assets | 2.3927% | 310 |
| Return on Equity (ROE) | 19.2675% | 360 |
| Retained earnings to average equity (ytd only) | 4.3104% | 3,540 |
| Net charge-offs to loans | 0.0042% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1,334.0000% | 22 |
| Efficiency ratio | 29.8633% | 6,880 |
| Assets per employee ($millions) | 7.4929% | 572 |
| Cash dividends to net income (ytd only)* | 77.6288% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4457% | 6,745 |
| 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 | 43.0153% | 5,822 |
| Net loans and leases to deposits | 49.4195% | 5,889 |
| Net loans and leases to core deposits | 51.1488% | 5,951 |
| Total domestic deposits to total assets | 87.0410% | 2,796 |
| Equity capital to assets | 12.8236% | 1,411 |
| Core capital (leverage) ratio | 12.3699% | 1,425 |
| Tier 1 risk-based capital ratio | 20.9263% | 1,508 |
| Total risk-based capital ratio | 21.2312% | 1,694 |
| Memoranda: | ||
| Average total assets | $111,506,670 | 4,547 |
| Average earning assets | $109,016,670 | 4,361 |
| Average equity | $14,708,670 | 4,004 |
| Average total loans | $47,103,000 | 5,132 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5259% | 5,644 |
| Cost of funding earning assets | 0.2846% | 6,075 |
| Net interest margin | 3.2413% | 4,759 |
| Noninterest income to average assets | 0.1394% | 6,407 |
| Noninterest expense to average assets | 0.9929% | 6,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3378% | 189 |
| Return on assets (ROA) | 2.3378% | 208 |
| Pretax return on assets | 2.3204% | 345 |
| Return on Equity (ROE) | 17.5002% | 474 |
| Retained earnings to average equity (ytd only) | -11.1886% | 6,660 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.9685% | 6,961 |
| Assets per employee ($millions) | 8.5178% | 395 |
| Cash dividends to net income (ytd only)* | 163.9344% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4718% | 6,811 |
| 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 | 35.9106% | 6,299 |
| Net loans and leases to deposits | 41.2140% | 6,367 |
| Net loans and leases to core deposits | 41.8524% | 6,406 |
| Total domestic deposits to total assets | 87.1320% | 2,882 |
| Equity capital to assets | 12.5368% | 1,692 |
| Core capital (leverage) ratio | 11.3962% | 1,947 |
| Tier 1 risk-based capital ratio | 21.4898% | 1,430 |
| Total risk-based capital ratio | 21.8224% | 1,609 |
| Memoranda: | ||
| Average total assets | $114,810,000 | 4,509 |
| Average earning assets | $112,424,000 | 4,323 |
| Average equity | $15,337,000 | 3,937 |
| Average total loans | $47,992,000 | 5,130 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 5,253 |
| Cost of funding earning assets | 0.3868% | 6,005 |
| Net interest margin | 3.6303% | 3,966 |
| Noninterest income to average assets | 0.1743% | 6,156 |
| Noninterest expense to average assets | 1.4560% | 6,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.1103% | 297 |
| Return on assets (ROA) | 2.1103% | 326 |
| Pretax return on assets | 2.2693% | 353 |
| Return on Equity (ROE) | 14.8938% | 828 |
| Retained earnings to average equity (ytd only) | 8.1331% | 1,077 |
| Net charge-offs to loans | 0.0061% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 789.6667% | 46 |
| Efficiency ratio | 39.0846% | 6,947 |
| Assets per employee ($millions) | 7.8836% | 531 |
| Cash dividends to net income (ytd only)* | 45.3926% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3833% | 6,908 |
| 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 | 47.7979% | 5,431 |
| Net loans and leases to deposits | 58.2163% | 5,214 |
| Net loans and leases to core deposits | 62.0384% | 5,152 |
| Total domestic deposits to total assets | 82.1040% | 5,060 |
| Equity capital to assets | 14.2465% | 958 |
| Core capital (leverage) ratio | 12.8111% | 1,196 |
| Tier 1 risk-based capital ratio | 19.0921% | 1,935 |
| Total risk-based capital ratio | 19.3776% | 2,185 |
| Memoranda: | ||
| Average total assets | $104,394,400 | 4,722 |
| Average earning assets | $102,113,200 | 4,546 |
| Average equity | $14,791,400 | 4,009 |
| Average total loans | $48,935,000 | 5,144 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 5,360 |
| Cost of funding earning assets | 0.4082% | 6,070 |
| Net interest margin | 3.6422% | 4,045 |
| Noninterest income to average assets | 0.1581% | 6,360 |
| Noninterest expense to average assets | 1.0366% | 7,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.5591% | 157 |
| Return on assets (ROA) | 2.5591% | 166 |
| Pretax return on assets | 2.6821% | 222 |
| Return on Equity (ROE) | 18.0878% | 491 |
| Retained earnings to average equity (ytd only) | 8.9294% | 1,256 |
| Net charge-offs to loans | 0.0083% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 689.9825% | 56 |
| Efficiency ratio | 27.8746% | 7,127 |
| Assets per employee ($millions) | 7.4259% | 617 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4225% | 6,997 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,775 |
| Noncurrent loans to loans | 0.0146% | 6,615 |
| Net loans and leases to total assets | 46.0168% | 5,762 |
| Net loans and leases to deposits | 58.3429% | 5,397 |
| Net loans and leases to core deposits | 62.3997% | 5,320 |
| Total domestic deposits to total assets | 78.8730% | 5,901 |
| Equity capital to assets | 14.9853% | 826 |
| Core capital (leverage) ratio | 12.7796% | 1,283 |
| Tier 1 risk-based capital ratio | 20.2984% | 1,689 |
| Total risk-based capital ratio | 20.6071% | 1,879 |
| Memoranda: | ||
| Average total assets | $102,900,250 | 4,803 |
| Average earning assets | $100,595,500 | 4,631 |
| Average equity | $14,558,250 | 4,087 |
| Average total loans | $47,929,250 | 5,239 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 5,671 |
| Cost of funding earning assets | 0.4170% | 6,181 |
| Net interest margin | 3.5732% | 4,372 |
| Noninterest income to average assets | 0.1580% | 6,401 |
| Noninterest expense to average assets | 1.0005% | 7,187 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5608% | 158 |
| Return on assets (ROA) | 2.5608% | 181 |
| Pretax return on assets | 2.6505% | 240 |
| Return on Equity (ROE) | 18.4695% | 454 |
| Retained earnings to average equity (ytd only) | 4.4029% | 3,681 |
| Net charge-offs to loans | 0.0042% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1,359.0000% | 19 |
| Efficiency ratio | 27.4038% | 7,186 |
| Assets per employee ($millions) | 7.4433% | 594 |
| Cash dividends to net income (ytd only)* | 76.1615% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4190% | 7,074 |
| 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 | 46.7545% | 5,750 |
| Net loans and leases to deposits | 57.6921% | 5,482 |
| Net loans and leases to core deposits | 59.0794% | 5,684 |
| Total domestic deposits to total assets | 81.0414% | 5,453 |
| Equity capital to assets | 14.0539% | 1,079 |
| Core capital (leverage) ratio | 12.3562% | 1,414 |
| Tier 1 risk-based capital ratio | 19.0747% | 1,946 |
| Total risk-based capital ratio | 19.3829% | 2,223 |
| Memoranda: | ||
| Average total assets | $102,546,330 | 4,842 |
| Average earning assets | $100,246,670 | 4,664 |
| Average equity | $14,218,000 | 4,160 |
| Average total loans | $47,891,330 | 5,270 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 5,893 |
| Cost of funding earning assets | 0.4471% | 6,163 |
| Net interest margin | 3.5081% | 4,655 |
| Noninterest income to average assets | 0.1573% | 6,444 |
| Noninterest expense to average assets | 0.9792% | 7,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5325% | 175 |
| Return on assets (ROA) | 2.5325% | 211 |
| Pretax return on assets | 2.6033% | 288 |
| Return on Equity (ROE) | 18.3941% | 507 |
| Retained earnings to average equity (ytd only) | -10.1682% | 6,843 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3326% | 7,248 |
| Assets per employee ($millions) | 7.4863% | 594 |
| Cash dividends to net income (ytd only)* | 155.2795% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4623% | 7,095 |
| 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 | 42.3212% | 6,167 |
| Net loans and leases to deposits | 48.9370% | 6,229 |
| Net loans and leases to core deposits | 50.0299% | 6,341 |
| Total domestic deposits to total assets | 86.4810% | 3,256 |
| Equity capital to assets | 13.1259% | 1,389 |
| Core capital (leverage) ratio | 11.4483% | 1,932 |
| Tier 1 risk-based capital ratio | 20.1638% | 1,667 |
| Total risk-based capital ratio | 20.5094% | 1,883 |
| Memoranda: | ||
| Average total assets | $101,716,500 | 4,896 |
| Average earning assets | $99,312,500 | 4,713 |
| Average equity | $14,004,500 | 4,203 |
| Average total loans | $47,374,000 | 5,326 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 5,443 |
| Cost of funding earning assets | 0.5709% | 6,236 |
| Net interest margin | 3.8249% | 3,700 |
| Noninterest income to average assets | 0.3936% | 4,670 |
| Noninterest expense to average assets | 1.7091% | 7,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.2470% | 209 |
| Return on assets (ROA) | 2.2470% | 221 |
| Pretax return on assets | 2.3944% | 254 |
| Return on Equity (ROE) | 16.5477% | 529 |
| Retained earnings to average equity (ytd only) | 9.7192% | 619 |
| Net charge-offs to loans | -0.0268% | 6,990 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6494% | 7,175 |
| Assets per employee ($millions) | 7.0446% | 715 |
| Cash dividends to net income (ytd only)* | 41.2653% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4105% | 7,161 |
| 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 | 50.6768% | 5,507 |
| Net loans and leases to deposits | 59.5092% | 5,545 |
| Net loans and leases to core deposits | 61.3221% | 5,721 |
| Total domestic deposits to total assets | 85.1579% | 3,764 |
| Equity capital to assets | 14.4507% | 912 |
| Core capital (leverage) ratio | 12.6908% | 1,271 |
| Tier 1 risk-based capital ratio | 17.6580% | 2,315 |
| Total risk-based capital ratio | 17.9519% | 2,692 |
| Memoranda: | ||
| Average total assets | $94,260,000 | 5,071 |
| Average earning assets | $91,427,600 | 4,873 |
| Average equity | $12,799,400 | 4,375 |
| Average total loans | $48,578,800 | 5,318 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 5,501 |
| Cost of funding earning assets | 0.5909% | 6,324 |
| Net interest margin | 3.8377% | 3,679 |
| Noninterest income to average assets | 0.4279% | 4,452 |
| Noninterest expense to average assets | 1.3037% | 7,309 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.7190% | 111 |
| Return on assets (ROA) | 2.7190% | 115 |
| Pretax return on assets | 2.8421% | 160 |
| Return on Equity (ROE) | 20.3700% | 286 |
| Retained earnings to average equity (ytd only) | 10.9999% | 632 |
| Net charge-offs to loans | -0.0360% | 6,994 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4463% | 7,355 |
| Assets per employee ($millions) | 6.7968% | 815 |
| Cash dividends to net income (ytd only)* | 45.9998% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4237% | 7,214 |
| 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 | 50.8843% | 5,598 |
| Net loans and leases to deposits | 61.1567% | 5,493 |
| Net loans and leases to core deposits | 63.3715% | 5,688 |
| Total domestic deposits to total assets | 83.2032% | 4,605 |
| Equity capital to assets | 14.6624% | 942 |
| Core capital (leverage) ratio | 12.9922% | 1,233 |
| Tier 1 risk-based capital ratio | 19.5875% | 1,787 |
| Total risk-based capital ratio | 19.9194% | 1,997 |
| Memoranda: | ||
| Average total assets | $93,168,750 | 5,133 |
| Average earning assets | $90,260,000 | 4,947 |
| Average equity | $12,436,250 | 4,466 |
| Average total loans | $48,177,000 | 5,376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 5,722 |
| Cost of funding earning assets | 0.6038% | 6,443 |
| Net interest margin | 3.7884% | 3,846 |
| Noninterest income to average assets | 0.2767% | 5,671 |
| Noninterest expense to average assets | 1.3015% | 7,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.5468% | 157 |
| Return on assets (ROA) | 2.5468% | 163 |
| Pretax return on assets | 2.6376% | 204 |
| Return on Equity (ROE) | 19.7469% | 331 |
| Retained earnings to average equity (ytd only) | 5.0960% | 2,946 |
| Net charge-offs to loans | -0.0541% | 7,042 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0406% | 7,418 |
| Assets per employee ($millions) | 6.6526% | 859 |
| Cash dividends to net income (ytd only)* | 74.1935% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4315% | 7,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,574 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 51.0324% | 5,689 |
| Net loans and leases to deposits | 59.2887% | 5,794 |
| Net loans and leases to core deposits | 61.5219% | 5,938 |
| Total domestic deposits to total assets | 86.0743% | 3,285 |
| Equity capital to assets | 13.5628% | 1,259 |
| Core capital (leverage) ratio | 12.2058% | 1,501 |
| Tier 1 risk-based capital ratio | 17.3195% | 2,406 |
| Total risk-based capital ratio | 17.6316% | 2,755 |
| Memoranda: | ||
| Average total assets | $92,506,670 | 5,188 |
| Average earning assets | $89,431,330 | 5,013 |
| Average equity | $11,931,000 | 4,572 |
| Average total loans | $48,027,670 | 5,435 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 6,048 |
| Cost of funding earning assets | 0.6143% | 6,549 |
| Net interest margin | 3.6723% | 4,240 |
| Noninterest income to average assets | 0.2950% | 5,557 |
| Noninterest expense to average assets | 1.2669% | 7,473 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.4905% | 179 |
| Return on assets (ROA) | 2.4905% | 185 |
| Pretax return on assets | 2.5816% | 225 |
| Return on Equity (ROE) | 19.8264% | 336 |
| Retained earnings to average equity (ytd only) | -10.3622% | 6,883 |
| Net charge-offs to loans | -0.1162% | 7,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9200% | 7,478 |
| Assets per employee ($millions) | 6.9761% | 748 |
| Cash dividends to net income (ytd only)* | 152.2648% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4580% | 7,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 6,643 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.0682% | 6,281 |
| Net loans and leases to deposits | 52.4253% | 6,443 |
| Net loans and leases to core deposits | 54.2581% | 6,535 |
| Total domestic deposits to total assets | 87.8740% | 2,445 |
| Equity capital to assets | 11.7953% | 2,047 |
| Core capital (leverage) ratio | 11.3828% | 1,916 |
| Tier 1 risk-based capital ratio | 18.8513% | 1,850 |
| Total risk-based capital ratio | 19.2116% | 2,094 |
| Memoranda: | ||
| Average total assets | $92,191,500 | 5,233 |
| Average earning assets | $89,209,000 | 5,050 |
| Average equity | $11,580,500 | 4,650 |
| Average total loans | $48,173,500 | 5,475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 5,013 |
| Cost of funding earning assets | 0.8186% | 6,488 |
| Net interest margin | 4.0855% | 2,638 |
| Noninterest income to average assets | 0.3553% | 5,271 |
| Noninterest expense to average assets | 1.9779% | 7,062 |
| Loan and lease loss provision to assets | 0.0119% | 6,975 |
| Net operating income to assets | 2.0923% | 238 |
| Return on assets (ROA) | 2.0923% | 252 |
| Pretax return on assets | 2.2330% | 300 |
| Return on Equity (ROE) | 15.5400% | 637 |
| Retained earnings to average equity (ytd only) | 8.4563% | 851 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8379% | 7,323 |
| Assets per employee ($millions) | 6.1941% | 1,088 |
| Cash dividends to net income (ytd only)* | 45.5840% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3773% | 7,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 6,641 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.7590% | 4,908 |
| Net loans and leases to deposits | 68.1221% | 5,087 |
| Net loans and leases to core deposits | 70.8620% | 5,350 |
| Total domestic deposits to total assets | 86.2553% | 3,227 |
| Equity capital to assets | 13.4241% | 1,206 |
| Core capital (leverage) ratio | 12.7055% | 1,241 |
| Tier 1 risk-based capital ratio | 17.9198% | 2,026 |
| Total risk-based capital ratio | 18.2306% | 2,318 |
| Memoranda: | ||
| Average total assets | $83,877,000 | 5,470 |
| Average earning assets | $79,402,000 | 5,368 |
| Average equity | $11,293,400 | 4,793 |
| Average total loans | $48,481,600 | 5,540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 5,104 |
| Cost of funding earning assets | 0.8535% | 6,569 |
| Net interest margin | 4.0817% | 2,698 |
| Noninterest income to average assets | 0.3495% | 5,375 |
| Noninterest expense to average assets | 1.4701% | 7,561 |
| Loan and lease loss provision to assets | 0.0160% | 6,882 |
| Net operating income to assets | 2.5827% | 123 |
| Return on assets (ROA) | 2.5827% | 133 |
| Pretax return on assets | 2.7045% | 171 |
| Return on Equity (ROE) | 19.1670% | 380 |
| Retained earnings to average equity (ytd only) | 9.6490% | 881 |
| Net charge-offs to loans | -0.0028% | 7,181 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0803% | 7,639 |
| Assets per employee ($millions) | 5.9174% | 1,292 |
| Cash dividends to net income (ytd only)* | 49.6585% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3892% | 7,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 6,739 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.9339% | 4,927 |
| Net loans and leases to deposits | 70.8773% | 5,021 |
| Net loans and leases to core deposits | 73.6432% | 5,342 |
| Total domestic deposits to total assets | 84.5600% | 3,846 |
| Equity capital to assets | 14.6361% | 984 |
| Core capital (leverage) ratio | 13.1742% | 1,163 |
| Tier 1 risk-based capital ratio | 18.3384% | 1,923 |
| Total risk-based capital ratio | 18.6623% | 2,164 |
| Memoranda: | ||
| Average total assets | $83,167,000 | 5,560 |
| Average earning assets | $78,266,750 | 5,474 |
| Average equity | $11,206,500 | 4,874 |
| Average total loans | $47,815,250 | 5,649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 5,542 |
| Cost of funding earning assets | 0.8763% | 6,667 |
| Net interest margin | 3.9922% | 3,057 |
| Noninterest income to average assets | 0.3482% | 5,363 |
| Noninterest expense to average assets | 1.4458% | 7,640 |
| Loan and lease loss provision to assets | 0.0240% | 6,701 |
| Net operating income to assets | 2.5098% | 134 |
| Return on assets (ROA) | 2.5098% | 138 |
| Pretax return on assets | 2.5986% | 200 |
| Return on Equity (ROE) | 19.1737% | 375 |
| Retained earnings to average equity (ytd only) | 4.4953% | 3,204 |
| Net charge-offs to loans | -0.0042% | 7,097 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5372% | 7,701 |
| Assets per employee ($millions) | 6.4071% | 1,001 |
| Cash dividends to net income (ytd only)* | 76.5550% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3930% | 7,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,778 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 59.0333% | 5,241 |
| Net loans and leases to deposits | 68.4962% | 5,492 |
| Net loans and leases to core deposits | 71.8240% | 5,690 |
| Total domestic deposits to total assets | 86.1847% | 2,992 |
| Equity capital to assets | 13.4407% | 1,371 |
| Core capital (leverage) ratio | 12.3452% | 1,476 |
| Tier 1 risk-based capital ratio | 17.9310% | 1,976 |
| Total risk-based capital ratio | 18.2649% | 2,225 |
| Memoranda: | ||
| Average total assets | $83,275,000 | 5,589 |
| Average earning assets | $77,601,330 | 5,526 |
| Average equity | $10,900,330 | 4,944 |
| Average total loans | $47,138,670 | 5,712 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 5,824 |
| Cost of funding earning assets | 0.9090% | 6,736 |
| Net interest margin | 3.9094% | 3,285 |
| Noninterest income to average assets | 0.3555% | 5,293 |
| Noninterest expense to average assets | 1.3739% | 7,773 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.5941% | 128 |
| Return on assets (ROA) | 2.5941% | 137 |
| Pretax return on assets | 2.5556% | 236 |
| Return on Equity (ROE) | 20.0874% | 378 |
| Retained earnings to average equity (ytd only) | -9.6717% | 6,945 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9633% | 7,804 |
| Assets per employee ($millions) | 6.0232% | 1,243 |
| Cash dividends to net income (ytd only)* | 148.1481% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3976% | 7,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 6,839 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 54.3658% | 5,982 |
| Net loans and leases to deposits | 62.4825% | 6,234 |
| Net loans and leases to core deposits | 65.0814% | 6,364 |
| Total domestic deposits to total assets | 87.0098% | 2,628 |
| Equity capital to assets | 12.6475% | 1,679 |
| Core capital (leverage) ratio | 11.9139% | 1,684 |
| Tier 1 risk-based capital ratio | 16.5253% | 2,436 |
| Total risk-based capital ratio | 16.8303% | 2,781 |
| Memoranda: | ||
| Average total assets | $83,266,500 | 5,655 |
| Average earning assets | $76,125,000 | 5,632 |
| Average equity | $10,753,000 | 5,036 |
| Average total loans | $46,026,000 | 5,836 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 5,557 |
| Cost of funding earning assets | 1.2330% | 6,535 |
| Net interest margin | 3.9865% | 2,911 |
| Noninterest income to average assets | 0.3858% | 5,327 |
| Noninterest expense to average assets | 2.0766% | 7,235 |
| Loan and lease loss provision to assets | -0.3470% | 8,003 |
| Net operating income to assets | 2.2203% | 140 |
| Return on assets (ROA) | 2.1595% | 174 |
| Pretax return on assets | 2.3084% | 221 |
| Return on Equity (ROE) | 16.5548% | 500 |
| Retained earnings to average equity (ytd only) | 10.3914% | 337 |
| Net charge-offs to loans | 0.0023% | 7,220 |
| Credit loss provision to net charge-offs | -26,800.0000% | 7,528 |
| Earnings coverage of net charge-offs (x) | 1,565.0000% | 10 |
| Efficiency ratio | 50.6153% | 7,499 |
| Assets per employee ($millions) | 5.8720% | 1,343 |
| Cash dividends to net income (ytd only)* | 37.2302% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3976% | 7,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 6,798 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.7634% | 5,983 |
| Net loans and leases to deposits | 64.5008% | 6,213 |
| Net loans and leases to core deposits | 72.9364% | 6,597 |
| Total domestic deposits to total assets | 86.4539% | 2,786 |
| Equity capital to assets | 13.1873% | 1,437 |
| Core capital (leverage) ratio | 12.9874% | 1,258 |
| Tier 1 risk-based capital ratio | 17.8272% | 1,935 |
| Total risk-based capital ratio | 18.1480% | 2,150 |
| Memoranda: | ||
| Average total assets | $77,240,200 | 5,801 |
| Average earning assets | $72,017,200 | 5,751 |
| Average equity | $10,075,600 | 5,276 |
| Average total loans | $43,903,600 | 5,936 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 5,894 |
| Cost of funding earning assets | 1.2747% | 6,642 |
| Net interest margin | 3.9219% | 3,153 |
| Noninterest income to average assets | 0.3772% | 5,493 |
| Noninterest expense to average assets | 1.6070% | 7,828 |
| Loan and lease loss provision to assets | -0.4702% | 8,091 |
| Net operating income to assets | 2.8167% | 69 |
| Return on assets (ROA) | 2.7333% | 87 |
| Pretax return on assets | 2.8824% | 119 |
| Return on Equity (ROE) | 21.0161% | 256 |
| Retained earnings to average equity (ytd only) | 12.6393% | 290 |
| Net charge-offs to loans | 0.0031% | 6,947 |
| Credit loss provision to net charge-offs | -26,800.0000% | 7,450 |
| Earnings coverage of net charge-offs (x) | 1,428.5338% | 11 |
| Efficiency ratio | 39.1286% | 7,941 |
| Assets per employee ($millions) | 5.3649% | 1,737 |
| Cash dividends to net income (ytd only)* | 39.8589% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4048% | 7,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,790 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.9462% | 5,589 |
| Net loans and leases to deposits | 70.5069% | 5,844 |
| Net loans and leases to core deposits | 81.0604% | 6,266 |
| Total domestic deposits to total assets | 85.0218% | 3,222 |
| Equity capital to assets | 14.5096% | 1,144 |
| Core capital (leverage) ratio | 13.3660% | 1,272 |
| Tier 1 risk-based capital ratio | 17.8158% | 2,046 |
| Total risk-based capital ratio | 18.1400% | 2,259 |
| Memoranda: | ||
| Average total assets | $75,998,250 | 5,875 |
| Average earning assets | $72,276,500 | 5,776 |
| Average equity | $9,884,250 | 5,367 |
| Average total loans | $43,373,250 | 6,005 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 6,324 |
| Cost of funding earning assets | 1.3036% | 6,797 |
| Net interest margin | 3.8253% | 3,439 |
| Noninterest income to average assets | 0.3486% | 5,713 |
| Noninterest expense to average assets | 1.3736% | 8,025 |
| Loan and lease loss provision to assets | -0.7104% | 8,189 |
| Net operating income to assets | 3.0920% | 53 |
| Return on assets (ROA) | 2.9701% | 69 |
| Pretax return on assets | 3.1929% | 90 |
| Return on Equity (ROE) | 23.7369% | 165 |
| Retained earnings to average equity (ytd only) | 10.7266% | 607 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4510% | 8,078 |
| Assets per employee ($millions) | 5.5072% | 1,570 |
| Cash dividends to net income (ytd only)* | 54.8102% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4194% | 7,882 |
| 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 | 55.7386% | 6,237 |
| Net loans and leases to deposits | 64.3647% | 6,529 |
| Net loans and leases to core deposits | 73.4791% | 6,818 |
| Total domestic deposits to total assets | 86.5981% | 2,454 |
| Equity capital to assets | 12.9817% | 1,699 |
| Core capital (leverage) ratio | 12.4786% | 1,632 |
| Tier 1 risk-based capital ratio | 17.4420% | 2,168 |
| Total risk-based capital ratio | 17.7695% | 2,385 |
| Memoranda: | ||
| Average total assets | $76,294,670 | 5,910 |
| Average earning assets | $72,569,670 | 5,808 |
| Average equity | $9,546,330 | 5,501 |
| Average total loans | $42,761,670 | 6,077 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1722% | 6,405 |
| Cost of funding earning assets | 1.3509% | 6,875 |
| Net interest margin | 3.8212% | 3,369 |
| Noninterest income to average assets | 0.3162% | 5,913 |
| Noninterest expense to average assets | 1.2913% | 8,081 |
| Loan and lease loss provision to assets | -0.1634% | 8,214 |
| Net operating income to assets | 2.6406% | 101 |
| Return on assets (ROA) | 2.6406% | 128 |
| Pretax return on assets | 2.8409% | 147 |
| Return on Equity (ROE) | 21.5137% | 327 |
| Retained earnings to average equity (ytd only) | -5.1530% | 6,566 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5365% | 8,133 |
| Assets per employee ($millions) | 5.5288% | 1,530 |
| Cash dividends to net income (ytd only)* | 123.9521% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 6,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 52.7370% | 6,613 |
| Net loans and leases to deposits | 60.2714% | 6,874 |
| Net loans and leases to core deposits | 68.2700% | 7,124 |
| Total domestic deposits to total assets | 87.4992% | 1,969 |
| Equity capital to assets | 12.1029% | 2,197 |
| Core capital (leverage) ratio | 11.8291% | 1,985 |
| Tier 1 risk-based capital ratio | 16.6985% | 2,451 |
| Total risk-based capital ratio | 17.4772% | 2,547 |
| Memoranda: | ||
| Average total assets | $75,891,500 | 5,948 |
| Average earning assets | $72,542,000 | 5,824 |
| Average equity | $9,315,000 | 5,600 |
| Average total loans | $42,564,500 | 6,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 6,980 |
| Cost of funding earning assets | 1.9063% | 6,712 |
| Net interest margin | 3.7263% | 4,353 |
| Noninterest income to average assets | 0.3278% | 6,099 |
| Noninterest expense to average assets | 2.0474% | 7,353 |
| Loan and lease loss provision to assets | 0.0314% | 7,014 |
| Net operating income to assets | 1.6608% | 729 |
| Return on assets (ROA) | 1.6608% | 698 |
| Pretax return on assets | 1.7865% | 972 |
| Return on Equity (ROE) | 12.9373% | 1,342 |
| Retained earnings to average equity (ytd only) | -26.2150% | 7,833 |
| Net charge-offs to loans | -0.0192% | 7,922 |
| Credit loss provision to net charge-offs | -287.5000% | 7,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9682% | 7,389 |
| Assets per employee ($millions) | 4.9587% | 1,985 |
| Cash dividends to net income (ytd only)* | 302.6316% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 5,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.3988% | 6,143 |
| Net loans and leases to deposits | 66.9890% | 6,565 |
| Net loans and leases to core deposits | 76.0838% | 6,856 |
| Total domestic deposits to total assets | 87.1767% | 1,852 |
| Equity capital to assets | 12.4523% | 2,037 |
| Core capital (leverage) ratio | 12.5022% | 1,749 |
| Tier 1 risk-based capital ratio | 16.5924% | 2,452 |
| Total risk-based capital ratio | 17.4146% | 2,535 |
| Memoranda: | ||
| Average total assets | $73,216,000 | 5,929 |
| Average earning assets | $69,506,800 | 5,840 |
| Average equity | $9,399,200 | 5,605 |
| Average total loans | $41,674,600 | 6,089 |