Home > The Apple Creek Banking Company > Performance and Condition Ratios
The Apple Creek Banking Company, 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 | 4.9982% | 2,071 |
| Cost of funding earning assets | 1.0649% | 3,160 |
| Net interest margin | 3.9333% | 1,309 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.8605% | 1,367 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8792% | 2,609 |
| Return on assets (ROA) | 0.8785% | 2,580 |
| Pretax return on assets | 1.1004% | 2,406 |
| Return on Equity (ROE) | 12.7300% | 1,792 |
| Retained earnings to average equity (ytd only) | 8.4495% | 1,411 |
| Net charge-offs to loans | 0.0011% | 2,828 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,598 |
| Earnings coverage of net charge-offs (x) | 1,205.0000% | 134 |
| Efficiency ratio | 72.9790% | 1,559 |
| Assets per employee ($millions) | 4.7934% | 3,780 |
| Cash dividends to net income (ytd only)* | 33.6168% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 3,723 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.7400% | 673 |
| Net loans and leases to deposits | 96.2103% | 768 |
| Net loans and leases to core deposits | 100.4263% | 1,406 |
| Total domestic deposits to total assets | 82.8800% | 2,920 |
| Equity capital to assets | 7.0241% | 3,927 |
| Core capital (leverage) ratio | 8.3409% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1732% | 2,795 |
| Memoranda: | ||
| Average total assets | $227,544,600 | 2,799 |
| Average earning assets | $214,297,200 | 2,777 |
| Average equity | $15,705,000 | 3,206 |
| Average total loans | $181,557,000 | 2,434 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 2,080 |
| Cost of funding earning assets | 1.0023% | 3,034 |
| Net interest margin | 3.8881% | 1,426 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.8590% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8240% | 2,951 |
| Return on assets (ROA) | 0.8240% | 2,938 |
| Pretax return on assets | 1.0314% | 2,765 |
| Return on Equity (ROE) | 11.9900% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.1399% | 1,648 |
| Net charge-offs to loans | 0.0015% | 2,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 186 |
| Efficiency ratio | 73.4892% | 1,404 |
| Assets per employee ($millions) | 4.6510% | 3,850 |
| Cash dividends to net income (ytd only)* | 23.7993% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 3,560 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.4600% | 712 |
| Net loans and leases to deposits | 95.9996% | 755 |
| Net loans and leases to core deposits | 98.3715% | 1,423 |
| Total domestic deposits to total assets | 82.7700% | 3,054 |
| Equity capital to assets | 6.7452% | 3,732 |
| Core capital (leverage) ratio | 8.3281% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1277% | 2,801 |
| Memoranda: | ||
| Average total assets | $225,711,250 | 2,821 |
| Average earning assets | $212,714,500 | 2,794 |
| Average equity | $15,506,750 | 3,211 |
| Average total loans | $179,702,250 | 2,451 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 2,071 |
| Cost of funding earning assets | 0.9046% | 2,912 |
| Net interest margin | 3.8615% | 1,506 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.8250% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8387% | 2,961 |
| Return on assets (ROA) | 0.8387% | 2,970 |
| Pretax return on assets | 1.0500% | 2,776 |
| Return on Equity (ROE) | 12.1300% | 2,113 |
| Retained earnings to average equity (ytd only) | 7.8332% | 2,024 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.9037% | 1,462 |
| Assets per employee ($millions) | 4.6008% | 3,885 |
| Cash dividends to net income (ytd only)* | 35.4322% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,505 |
| 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 | 79.0900% | 728 |
| Net loans and leases to deposits | 93.4699% | 909 |
| Net loans and leases to core deposits | 98.1871% | 1,336 |
| Total domestic deposits to total assets | 84.6100% | 2,657 |
| Equity capital to assets | 6.6646% | 3,921 |
| Core capital (leverage) ratio | 8.2816% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0873% | 2,835 |
| Memoranda: | ||
| Average total assets | $223,431,667 | 2,843 |
| Average earning assets | $210,487,667 | 2,823 |
| Average equity | $15,447,000 | 3,231 |
| Average total loans | $177,418,667 | 2,471 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 2,121 |
| Cost of funding earning assets | 0.7248% | 2,970 |
| Net interest margin | 3.8611% | 1,558 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.8845% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8161% | 3,146 |
| Return on assets (ROA) | 0.8161% | 3,093 |
| Pretax return on assets | 1.0215% | 2,929 |
| Return on Equity (ROE) | 11.6200% | 2,317 |
| Retained earnings to average equity (ytd only) | 11.6250% | 1,336 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.8483% | 1,357 |
| Assets per employee ($millions) | 4.5410% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,399 |
| 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 | 78.6400% | 692 |
| Net loans and leases to deposits | 93.2810% | 827 |
| Net loans and leases to core deposits | 96.2839% | 1,268 |
| Total domestic deposits to total assets | 84.3000% | 3,027 |
| Equity capital to assets | 6.9508% | 3,855 |
| Core capital (leverage) ratio | 8.5328% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4398% | 2,866 |
| Memoranda: | ||
| Average total assets | $220,073,000 | 2,909 |
| Average earning assets | $207,507,000 | 2,881 |
| Average equity | $15,449,500 | 3,270 |
| Average total loans | $174,265,500 | 2,513 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 1,151 |
| Cost of funding earning assets | 0.2995% | 2,880 |
| Net interest margin | 3.9549% | 851 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.7319% | 1,488 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9119% | 2,910 |
| Return on assets (ROA) | 0.9092% | 2,861 |
| Pretax return on assets | 1.1381% | 2,649 |
| Return on Equity (ROE) | 13.1100% | 1,771 |
| Retained earnings to average equity (ytd only) | 9.9508% | 1,172 |
| Net charge-offs to loans | -0.0006% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.8985% | 1,852 |
| Assets per employee ($millions) | 4.7313% | 3,868 |
| Cash dividends to net income (ytd only)* | 24.0712% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,127 |
| 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 | 78.3200% | 767 |
| Net loans and leases to deposits | 84.5573% | 1,415 |
| Net loans and leases to core deposits | 85.3644% | 1,793 |
| Total domestic deposits to total assets | 92.6200% | 486 |
| Equity capital to assets | 7.0911% | 3,621 |
| Core capital (leverage) ratio | 8.4580% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3607% | 2,897 |
| Memoranda: | ||
| Average total assets | $210,183,000 | 2,974 |
| Average earning assets | $198,309,000 | 2,951 |
| Average equity | $14,581,800 | 3,406 |
| Average total loans | $162,023,400 | 2,524 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 993 |
| Cost of funding earning assets | 0.2293% | 2,938 |
| Net interest margin | 3.9089% | 785 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.6958% | 1,484 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.8813% | 2,960 |
| Return on assets (ROA) | 0.8813% | 2,931 |
| Pretax return on assets | 1.1028% | 2,711 |
| Return on Equity (ROE) | 12.7800% | 1,781 |
| Retained earnings to average equity (ytd only) | 11.0142% | 1,051 |
| Net charge-offs to loans | -0.0025% | 3,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7673% | 1,921 |
| Assets per employee ($millions) | 4.6652% | 3,932 |
| Cash dividends to net income (ytd only)* | 13.7981% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,176 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.3800% | 585 |
| Net loans and leases to deposits | 85.7428% | 1,190 |
| Net loans and leases to core deposits | 86.4824% | 1,500 |
| Total domestic deposits to total assets | 92.5800% | 688 |
| Equity capital to assets | 6.9954% | 3,524 |
| Core capital (leverage) ratio | 8.5564% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2181% | 3,005 |
| Memoranda: | ||
| Average total assets | $208,319,000 | 3,011 |
| Average earning assets | $196,573,250 | 2,979 |
| Average equity | $14,369,000 | 3,475 |
| Average total loans | $159,593,000 | 2,551 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 889 |
| Cost of funding earning assets | 0.1747% | 3,254 |
| Net interest margin | 3.8609% | 663 |
| Noninterest income to average assets | 0.2279% | 3,827 |
| Noninterest expense to average assets | 2.6835% | 1,431 |
| Loan and lease loss provision to assets | 0.1348% | 708 |
| Net operating income to assets | 0.8428% | 2,808 |
| Return on assets (ROA) | 0.8428% | 2,780 |
| Pretax return on assets | 1.0532% | 2,559 |
| Return on Equity (ROE) | 12.2786% | 1,592 |
| Retained earnings to average equity (ytd only) | 9.5940% | 1,117 |
| Net charge-offs to loans | -0.0039% | 3,267 |
| Credit loss provision to net charge-offs | -4,633.3333% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3136% | 2,062 |
| Assets per employee ($millions) | 4.4755% | 4,089 |
| Cash dividends to net income (ytd only)* | 21.8642% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 4,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.4728% | 524 |
| Net loans and leases to deposits | 85.1672% | 1,043 |
| Net loans and leases to core deposits | 85.7388% | 1,358 |
| Total domestic deposits to total assets | 92.1397% | 784 |
| Equity capital to assets | 6.4441% | 4,038 |
| Core capital (leverage) ratio | 7.6185% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0288% | 3,083 |
| Memoranda: | ||
| Average total assets | $206,226,000 | 3,056 |
| Average earning assets | $194,615,333 | 3,032 |
| Average equity | $14,154,667 | 3,570 |
| Average total loans | $155,578,333 | 2,589 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 881 |
| Cost of funding earning assets | 0.1638% | 3,311 |
| Net interest margin | 3.7628% | 675 |
| Noninterest income to average assets | 0.1842% | 4,055 |
| Noninterest expense to average assets | 2.6821% | 1,403 |
| Loan and lease loss provision to assets | 0.0392% | 1,653 |
| Net operating income to assets | 0.8150% | 2,614 |
| Return on assets (ROA) | 0.8150% | 2,603 |
| Pretax return on assets | 1.0188% | 2,380 |
| Return on Equity (ROE) | 11.5120% | 1,450 |
| Retained earnings to average equity (ytd only) | 11.5120% | 676 |
| Net charge-offs to loans | 0.0027% | 1,700 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 540.0000% | 191 |
| Efficiency ratio | 71.7129% | 2,013 |
| Assets per employee ($millions) | 4.4485% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 74.5021% | 621 |
| Net loans and leases to deposits | 80.5453% | 1,102 |
| Net loans and leases to core deposits | 81.0959% | 1,412 |
| Total domestic deposits to total assets | 92.4972% | 402 |
| Equity capital to assets | 7.0137% | 4,208 |
| Core capital (leverage) ratio | 7.7228% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0773% | 3,042 |
| Memoranda: | ||
| Average total assets | $204,165,000 | 3,076 |
| Average earning assets | $192,939,000 | 3,054 |
| Average equity | $14,454,500 | 3,611 |
| Average total loans | $150,212,000 | 2,626 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 966 |
| Cost of funding earning assets | 0.1926% | 3,546 |
| Net interest margin | 4.0236% | 673 |
| Noninterest income to average assets | 0.3777% | 3,172 |
| Noninterest expense to average assets | 2.7305% | 1,547 |
| Loan and lease loss provision to assets | 0.0605% | 1,847 |
| Net operating income to assets | 0.9959% | 2,690 |
| Return on assets (ROA) | 0.9917% | 2,775 |
| Pretax return on assets | 1.2421% | 2,544 |
| Return on Equity (ROE) | 13.3491% | 1,363 |
| Retained earnings to average equity (ytd only) | 8.0449% | 1,517 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6133% | 2,041 |
| Assets per employee ($millions) | 4.5267% | 4,095 |
| Cash dividends to net income (ytd only)* | 39.7347% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 4,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 71.5490% | 876 |
| Net loans and leases to deposits | 77.4088% | 1,455 |
| Net loans and leases to core deposits | 78.0551% | 1,757 |
| Total domestic deposits to total assets | 92.4301% | 101 |
| Equity capital to assets | 7.1463% | 4,688 |
| Core capital (leverage) ratio | 7.3855% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1493% | 3,029 |
| Memoranda: | ||
| Average total assets | $190,075,200 | 3,132 |
| Average earning assets | $172,930,200 | 3,152 |
| Average equity | $14,120,800 | 3,731 |
| Average total loans | $139,854,400 | 2,728 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 1,070 |
| Cost of funding earning assets | 0.2016% | 3,588 |
| Net interest margin | 4.0248% | 754 |
| Noninterest income to average assets | 0.3550% | 3,328 |
| Noninterest expense to average assets | 2.7456% | 1,472 |
| Loan and lease loss provision to assets | 0.0337% | 2,327 |
| Net operating income to assets | 0.9571% | 3,058 |
| Return on assets (ROA) | 0.9571% | 3,138 |
| Pretax return on assets | 1.1978% | 2,939 |
| Return on Equity (ROE) | 12.7509% | 1,782 |
| Retained earnings to average equity (ytd only) | 11.8088% | 875 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0374% | 1,699 |
| Assets per employee ($millions) | 4.4083% | 4,183 |
| Cash dividends to net income (ytd only)* | 7.3881% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 4,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 73.7017% | 718 |
| Net loans and leases to deposits | 80.3153% | 1,258 |
| Net loans and leases to core deposits | 81.0218% | 1,645 |
| Total domestic deposits to total assets | 91.7654% | 174 |
| Equity capital to assets | 7.6499% | 4,666 |
| Core capital (leverage) ratio | 7.8383% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9943% | 2,969 |
| Memoranda: | ||
| Average total assets | $186,668,750 | 3,190 |
| Average earning assets | $167,986,500 | 3,234 |
| Average equity | $14,011,750 | 3,789 |
| Average total loans | $138,105,750 | 2,785 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 920 |
| Cost of funding earning assets | 0.2111% | 3,644 |
| Net interest margin | 4.1406% | 641 |
| Noninterest income to average assets | 0.3387% | 3,411 |
| Noninterest expense to average assets | 2.7313% | 1,503 |
| Loan and lease loss provision to assets | 0.0239% | 2,491 |
| Net operating income to assets | 0.9944% | 2,906 |
| Return on assets (ROA) | 0.9944% | 2,990 |
| Pretax return on assets | 1.2462% | 2,783 |
| Return on Equity (ROE) | 13.3369% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.8955% | 942 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2583% | 1,851 |
| Assets per employee ($millions) | 4.2724% | 4,273 |
| Cash dividends to net income (ytd only)* | 10.8079% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 4,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.3236% | 925 |
| Net loans and leases to deposits | 78.8100% | 1,544 |
| Net loans and leases to core deposits | 79.5217% | 1,924 |
| Total domestic deposits to total assets | 91.7696% | 173 |
| Equity capital to assets | 7.6500% | 4,692 |
| Core capital (leverage) ratio | 7.7010% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4677% | 2,865 |
| Memoranda: | ||
| Average total assets | $184,237,333 | 3,217 |
| Average earning assets | $162,970,000 | 3,281 |
| Average equity | $13,736,333 | 3,818 |
| Average total loans | $136,144,667 | 2,820 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 616 |
| Cost of funding earning assets | 0.2279% | 3,657 |
| Net interest margin | 4.4118% | 416 |
| Noninterest income to average assets | 0.3509% | 3,339 |
| Noninterest expense to average assets | 2.7308% | 1,546 |
| Loan and lease loss provision to assets | 0.0132% | 2,610 |
| Net operating income to assets | 1.1033% | 2,464 |
| Return on assets (ROA) | 1.1033% | 2,542 |
| Pretax return on assets | 1.3862% | 2,319 |
| Return on Equity (ROE) | 14.9993% | 1,210 |
| Retained earnings to average equity (ytd only) | 14.9993% | 623 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1179% | 2,215 |
| Assets per employee ($millions) | 4.1212% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 4,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,058 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 73.1009% | 892 |
| Net loans and leases to deposits | 79.5506% | 1,565 |
| Net loans and leases to core deposits | 80.2518% | 1,980 |
| Total domestic deposits to total assets | 91.8922% | 167 |
| Equity capital to assets | 7.5437% | 4,695 |
| Core capital (leverage) ratio | 7.8728% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0939% | 2,913 |
| Memoranda: | ||
| Average total assets | $182,362,500 | 3,233 |
| Average earning assets | $156,218,000 | 3,347 |
| Average equity | $13,414,000 | 3,857 |
| Average total loans | $135,732,500 | 2,828 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 700 |
| Cost of funding earning assets | 0.3083% | 4,097 |
| Net interest margin | 4.5176% | 318 |
| Noninterest income to average assets | 0.4029% | 3,078 |
| Noninterest expense to average assets | 2.9762% | 1,492 |
| Loan and lease loss provision to assets | 0.1048% | 3,025 |
| Net operating income to assets | 0.9973% | 2,301 |
| Return on assets (ROA) | 0.9998% | 2,437 |
| Pretax return on assets | 1.2521% | 2,148 |
| Return on Equity (ROE) | 12.9922% | 1,043 |
| Retained earnings to average equity (ytd only) | 10.9533% | 435 |
| Net charge-offs to loans | 0.1486% | 1,098 |
| Credit loss provision to net charge-offs | 94.3503% | 2,897 |
| Earnings coverage of net charge-offs (x) | 12.1864% | 2,348 |
| Efficiency ratio | 68.7346% | 2,134 |
| Assets per employee ($millions) | 4.0744% | 4,320 |
| Cash dividends to net income (ytd only)* | 15.6937% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 4,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,117 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 74.6995% | 938 |
| Net loans and leases to deposits | 80.8901% | 1,777 |
| Net loans and leases to core deposits | 81.6203% | 2,218 |
| Total domestic deposits to total assets | 92.3469% | 46 |
| Equity capital to assets | 7.1611% | 4,898 |
| Core capital (leverage) ratio | 7.3796% | 4,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1779% | 3,065 |
| Memoranda: | ||
| Average total assets | $159,331,400 | 3,293 |
| Average earning assets | $138,501,600 | 3,401 |
| Average equity | $12,261,200 | 3,948 |
| Average total loans | $119,115,200 | 2,991 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 802 |
| Cost of funding earning assets | 0.3180% | 4,227 |
| Net interest margin | 4.5315% | 350 |
| Noninterest income to average assets | 0.3680% | 3,254 |
| Noninterest expense to average assets | 2.8990% | 1,705 |
| Loan and lease loss provision to assets | 0.0674% | 3,490 |
| Net operating income to assets | 1.0902% | 2,014 |
| Return on assets (ROA) | 1.0936% | 2,133 |
| Pretax return on assets | 1.3700% | 1,824 |
| Return on Equity (ROE) | 13.9305% | 894 |
| Retained earnings to average equity (ytd only) | 13.9305% | 257 |
| Net charge-offs to loans | 0.2061% | 740 |
| Credit loss provision to net charge-offs | 43.8202% | 2,909 |
| Earnings coverage of net charge-offs (x) | 9.3202% | 2,434 |
| Efficiency ratio | 66.9192% | 2,323 |
| Assets per employee ($millions) | 3.8291% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 4,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 4,161 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.5671% | 1,576 |
| Net loans and leases to deposits | 79.7351% | 2,342 |
| Net loans and leases to core deposits | 80.5090% | 2,801 |
| Total domestic deposits to total assets | 91.0102% | 172 |
| Equity capital to assets | 7.5967% | 4,834 |
| Core capital (leverage) ratio | 7.6966% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9526% | 2,926 |
| Memoranda: | ||
| Average total assets | $154,346,000 | 3,326 |
| Average earning assets | $135,023,000 | 3,429 |
| Average equity | $12,117,000 | 3,968 |
| Average total loans | $115,168,000 | 3,040 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 1,059 |
| Cost of funding earning assets | 0.3226% | 4,387 |
| Net interest margin | 4.5245% | 478 |
| Noninterest income to average assets | 0.3716% | 3,247 |
| Noninterest expense to average assets | 3.0127% | 1,543 |
| Loan and lease loss provision to assets | 0.1029% | 2,983 |
| Net operating income to assets | 1.0439% | 2,171 |
| Return on assets (ROA) | 1.0492% | 2,288 |
| Pretax return on assets | 1.3112% | 1,991 |
| Return on Equity (ROE) | 13.2047% | 1,054 |
| Retained earnings to average equity (ytd only) | 13.2047% | 335 |
| Net charge-offs to loans | 0.3111% | 518 |
| Credit loss provision to net charge-offs | 44.0000% | 2,652 |
| Earnings coverage of net charge-offs (x) | 6.0171% | 2,470 |
| Efficiency ratio | 68.1585% | 2,213 |
| Assets per employee ($millions) | 3.5929% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 4,407 |
| Loan loss allowance to noncurrent loans | 559.0062% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,032 |
| Noncurrent loans to loans | 0.1381% | 3,904 |
| Net loans and leases to total assets | 71.5415% | 1,794 |
| Net loans and leases to deposits | 78.6992% | 2,577 |
| Net loans and leases to core deposits | 79.4921% | 2,986 |
| Total domestic deposits to total assets | 90.9049% | 167 |
| Equity capital to assets | 7.6336% | 4,847 |
| Core capital (leverage) ratio | 7.9369% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9905% | 2,973 |
| Memoranda: | ||
| Average total assets | $149,634,667 | 3,362 |
| Average earning assets | $133,893,333 | 3,420 |
| Average equity | $11,889,667 | 3,996 |
| Average total loans | $112,504,333 | 3,061 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 1,366 |
| Cost of funding earning assets | 0.3460% | 4,532 |
| Net interest margin | 4.4766% | 535 |
| Noninterest income to average assets | 0.4011% | 3,090 |
| Noninterest expense to average assets | 3.1864% | 1,452 |
| Loan and lease loss provision to assets | 0.1393% | 1,996 |
| Net operating income to assets | 0.9793% | 2,248 |
| Return on assets (ROA) | 0.9860% | 2,325 |
| Pretax return on assets | 1.2283% | 2,104 |
| Return on Equity (ROE) | 12.1404% | 1,068 |
| Retained earnings to average equity (ytd only) | 12.1404% | 410 |
| Net charge-offs to loans | 0.6336% | 234 |
| Credit loss provision to net charge-offs | 28.5714% | 2,159 |
| Earnings coverage of net charge-offs (x) | 2.7886% | 2,256 |
| Efficiency ratio | 70.0980% | 2,337 |
| Assets per employee ($millions) | 3.1691% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 4,442 |
| Loan loss allowance to noncurrent loans | 245.2247% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,453 |
| Noncurrent loans to loans | 0.3216% | 3,338 |
| Net loans and leases to total assets | 77.0114% | 1,130 |
| Net loans and leases to deposits | 84.5882% | 2,159 |
| Net loans and leases to core deposits | 85.5869% | 2,716 |
| Total domestic deposits to total assets | 91.0427% | 105 |
| Equity capital to assets | 8.3290% | 4,884 |
| Core capital (leverage) ratio | 8.2246% | 4,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4297% | 2,955 |
| Memoranda: | ||
| Average total assets | $143,611,500 | 3,416 |
| Average earning assets | $132,957,500 | 3,410 |
| Average equity | $11,663,500 | 4,042 |
| Average total loans | $110,472,000 | 3,071 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 1,759 |
| Cost of funding earning assets | 0.3806% | 4,507 |
| Net interest margin | 4.5155% | 700 |
| Noninterest income to average assets | 0.3325% | 3,718 |
| Noninterest expense to average assets | 3.1281% | 1,694 |
| Loan and lease loss provision to assets | 0.2309% | 828 |
| Net operating income to assets | 0.8694% | 3,321 |
| Return on assets (ROA) | 0.8689% | 3,412 |
| Pretax return on assets | 1.0777% | 3,241 |
| Return on Equity (ROE) | 10.7689% | 1,979 |
| Retained earnings to average equity (ytd only) | 2.8441% | 3,619 |
| Net charge-offs to loans | 0.0019% | 3,639 |
| Credit loss provision to net charge-offs | 16,250.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 921.5000% | 110 |
| Efficiency ratio | 70.4931% | 2,102 |
| Assets per employee ($millions) | 3.2136% | 4,693 |
| Cash dividends to net income (ytd only)* | 73.5895% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 3,937 |
| Loan loss allowance to noncurrent loans | 170.3072% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 2,782 |
| Noncurrent loans to loans | 0.5315% | 2,583 |
| Net loans and leases to total assets | 75.5444% | 1,497 |
| Net loans and leases to deposits | 82.5727% | 2,489 |
| Net loans and leases to core deposits | 83.7790% | 2,974 |
| Total domestic deposits to total assets | 91.4883% | 68 |
| Equity capital to assets | 7.9170% | 5,067 |
| Core capital (leverage) ratio | 7.9256% | 5,056 |
| Tier 1 risk-based capital ratio | 11.1355% | 4,806 |
| Total risk-based capital ratio | 12.1054% | 4,814 |
| Memoranda: | ||
| Average total assets | $140,757,600 | 3,427 |
| Average earning assets | $127,959,800 | 3,460 |
| Average equity | $11,356,800 | 4,073 |
| Average total loans | $105,987,400 | 3,145 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 1,680 |
| Cost of funding earning assets | 0.3873% | 4,543 |
| Net interest margin | 4.5615% | 670 |
| Noninterest income to average assets | 0.3062% | 3,912 |
| Noninterest expense to average assets | 3.0044% | 1,969 |
| Loan and lease loss provision to assets | 0.0372% | 3,154 |
| Net operating income to assets | 1.1130% | 2,525 |
| Return on assets (ROA) | 1.1130% | 2,612 |
| Pretax return on assets | 1.3868% | 2,360 |
| Return on Equity (ROE) | 13.7286% | 1,042 |
| Retained earnings to average equity (ytd only) | 7.8466% | 1,470 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8441% | 2,444 |
| Assets per employee ($millions) | 3.1866% | 4,765 |
| Cash dividends to net income (ytd only)* | 42.8449% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6722% | 4,698 |
| Loan loss allowance to noncurrent loans | 768.8172% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,390 |
| Noncurrent loans to loans | 0.0874% | 4,253 |
| Net loans and leases to total assets | 73.6815% | 1,877 |
| Net loans and leases to deposits | 80.9552% | 2,805 |
| Net loans and leases to core deposits | 82.1473% | 3,237 |
| Total domestic deposits to total assets | 91.0152% | 99 |
| Equity capital to assets | 8.2345% | 5,081 |
| Core capital (leverage) ratio | 8.3411% | 5,011 |
| Tier 1 risk-based capital ratio | 11.8404% | 4,493 |
| Total risk-based capital ratio | 12.5583% | 4,662 |
| Memoranda: | ||
| Average total assets | $139,793,750 | 3,476 |
| Average earning assets | $126,328,750 | 3,514 |
| Average equity | $11,333,750 | 4,119 |
| Average total loans | $104,923,000 | 3,195 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 1,747 |
| Cost of funding earning assets | 0.3762% | 4,598 |
| Net interest margin | 4.5274% | 721 |
| Noninterest income to average assets | 0.2886% | 4,011 |
| Noninterest expense to average assets | 3.0391% | 1,887 |
| Loan and lease loss provision to assets | 0.0563% | 2,699 |
| Net operating income to assets | 1.0520% | 2,714 |
| Return on assets (ROA) | 1.0520% | 2,783 |
| Pretax return on assets | 1.3089% | 2,533 |
| Return on Equity (ROE) | 13.0462% | 1,221 |
| Retained earnings to average equity (ytd only) | 4.0982% | 3,196 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0039% | 2,377 |
| Assets per employee ($millions) | 3.1804% | 4,780 |
| Cash dividends to net income (ytd only)* | 68.5871% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 4,767 |
| Loan loss allowance to noncurrent loans | 768.8172% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,429 |
| Noncurrent loans to loans | 0.0865% | 4,294 |
| Net loans and leases to total assets | 74.6227% | 1,780 |
| Net loans and leases to deposits | 85.6624% | 2,293 |
| Net loans and leases to core deposits | 86.9774% | 2,887 |
| Total domestic deposits to total assets | 87.1126% | 1,544 |
| Equity capital to assets | 7.9376% | 5,186 |
| Core capital (leverage) ratio | 8.0212% | 5,164 |
| Tier 1 risk-based capital ratio | 11.3103% | 4,785 |
| Total risk-based capital ratio | 12.0224% | 4,914 |
| Memoranda: | ||
| Average total assets | $138,592,670 | 3,509 |
| Average earning assets | $125,987,670 | 3,536 |
| Average equity | $11,175,670 | 4,146 |
| Average total loans | $104,440,000 | 3,218 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 1,871 |
| Cost of funding earning assets | 0.3215% | 4,772 |
| Net interest margin | 4.4880% | 762 |
| Noninterest income to average assets | 0.2054% | 4,518 |
| Noninterest expense to average assets | 3.0925% | 1,751 |
| Loan and lease loss provision to assets | 0.0440% | 2,759 |
| Net operating income to assets | 0.9389% | 3,096 |
| Return on assets (ROA) | 0.9389% | 3,137 |
| Pretax return on assets | 1.1648% | 2,922 |
| Return on Equity (ROE) | 11.5487% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.5487% | 695 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8963% | 2,053 |
| Assets per employee ($millions) | 3.0941% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 4,834 |
| 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 | 73.9731% | 1,813 |
| Net loans and leases to deposits | 83.8380% | 2,405 |
| Net loans and leases to core deposits | 84.5816% | 2,981 |
| Total domestic deposits to total assets | 88.2334% | 1,222 |
| Equity capital to assets | 8.1425% | 5,142 |
| Core capital (leverage) ratio | 8.4487% | 5,037 |
| Tier 1 risk-based capital ratio | 11.7623% | 4,585 |
| Total risk-based capital ratio | 12.4725% | 4,784 |
| Memoranda: | ||
| Average total assets | $136,331,000 | 3,571 |
| Average earning assets | $124,421,000 | 3,594 |
| Average equity | $11,083,500 | 4,180 |
| Average total loans | $102,904,000 | 3,272 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 2,074 |
| Cost of funding earning assets | 0.2190% | 4,922 |
| Net interest margin | 4.4041% | 928 |
| Noninterest income to average assets | 0.2690% | 4,307 |
| Noninterest expense to average assets | 3.2343% | 1,465 |
| Loan and lease loss provision to assets | 0.0937% | 2,277 |
| Net operating income to assets | 0.7711% | 3,910 |
| Return on assets (ROA) | 0.7698% | 3,918 |
| Pretax return on assets | 0.9504% | 3,758 |
| Return on Equity (ROE) | 9.6399% | 2,670 |
| Retained earnings to average equity (ytd only) | 5.1842% | 2,670 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5693% | 1,421 |
| Assets per employee ($millions) | 3.1030% | 4,923 |
| Cash dividends to net income (ytd only)* | 46.2218% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6610% | 4,880 |
| 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 | 76.0307% | 1,606 |
| Net loans and leases to deposits | 83.4296% | 2,576 |
| Net loans and leases to core deposits | 84.1744% | 3,072 |
| Total domestic deposits to total assets | 91.1316% | 175 |
| Equity capital to assets | 8.1167% | 5,121 |
| Core capital (leverage) ratio | 8.2813% | 5,129 |
| Tier 1 risk-based capital ratio | 11.3080% | 4,805 |
| Total risk-based capital ratio | 11.9951% | 4,985 |
| Memoranda: | ||
| Average total assets | $132,364,000 | 3,622 |
| Average earning assets | $120,547,800 | 3,635 |
| Average equity | $10,570,600 | 4,222 |
| Average total loans | $98,053,200 | 3,337 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 2,134 |
| Cost of funding earning assets | 0.1903% | 5,052 |
| Net interest margin | 4.3573% | 995 |
| Noninterest income to average assets | 0.2675% | 4,361 |
| Noninterest expense to average assets | 3.1158% | 1,724 |
| Loan and lease loss provision to assets | 0.1181% | 1,719 |
| Net operating income to assets | 0.7984% | 3,906 |
| Return on assets (ROA) | 0.7984% | 3,915 |
| Pretax return on assets | 0.9861% | 3,761 |
| Return on Equity (ROE) | 10.0387% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.0055% | 2,124 |
| Net charge-offs to loans | -0.0014% | 4,044 |
| Credit loss provision to net charge-offs | -11,700.0000% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8340% | 1,619 |
| Assets per employee ($millions) | 3.1290% | 4,942 |
| Cash dividends to net income (ytd only)* | 30.2150% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6721% | 4,930 |
| Loan loss allowance to noncurrent loans | 1,153.4483% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 4,755 |
| Noncurrent loans to loans | 0.0583% | 4,632 |
| Net loans and leases to total assets | 73.4884% | 2,077 |
| Net loans and leases to deposits | 83.8585% | 2,612 |
| Net loans and leases to core deposits | 84.6286% | 3,107 |
| Total domestic deposits to total assets | 87.6339% | 1,427 |
| Equity capital to assets | 7.9505% | 5,196 |
| Core capital (leverage) ratio | 8.2950% | 5,205 |
| Tier 1 risk-based capital ratio | 11.7434% | 4,634 |
| Total risk-based capital ratio | 12.4503% | 4,846 |
| Memoranda: | ||
| Average total assets | $132,097,750 | 3,658 |
| Average earning assets | $119,827,500 | 3,681 |
| Average equity | $10,505,750 | 4,272 |
| Average total loans | $97,036,000 | 3,388 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,220 |
| Cost of funding earning assets | 0.1577% | 5,213 |
| Net interest margin | 4.3024% | 1,030 |
| Noninterest income to average assets | 0.2377% | 4,591 |
| Noninterest expense to average assets | 3.1611% | 1,631 |
| Loan and lease loss provision to assets | 0.1143% | 1,737 |
| Net operating income to assets | 0.7054% | 4,182 |
| Return on assets (ROA) | 0.7054% | 4,181 |
| Pretax return on assets | 0.8684% | 4,058 |
| Return on Equity (ROE) | 8.8680% | 3,086 |
| Retained earnings to average equity (ytd only) | 4.2904% | 3,458 |
| Net charge-offs to loans | -0.0021% | 3,950 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2868% | 1,388 |
| Assets per employee ($millions) | 3.0760% | 5,048 |
| Cash dividends to net income (ytd only)* | 51.6199% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6425% | 5,038 |
| Loan loss allowance to noncurrent loans | 935.8209% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,774 |
| Noncurrent loans to loans | 0.0687% | 4,611 |
| Net loans and leases to total assets | 73.3015% | 2,073 |
| Net loans and leases to deposits | 80.1119% | 2,930 |
| Net loans and leases to core deposits | 80.8258% | 3,338 |
| Total domestic deposits to total assets | 91.4989% | 151 |
| Equity capital to assets | 7.8939% | 5,263 |
| Core capital (leverage) ratio | 8.1845% | 5,272 |
| Tier 1 risk-based capital ratio | 11.7947% | 4,626 |
| Total risk-based capital ratio | 12.4805% | 4,832 |
| Memoranda: | ||
| Average total assets | $131,282,000 | 3,686 |
| Average earning assets | $119,189,670 | 3,725 |
| Average equity | $10,442,000 | 4,317 |
| Average total loans | $96,200,000 | 3,408 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,375 |
| Cost of funding earning assets | 0.1483% | 5,278 |
| Net interest margin | 4.1948% | 1,188 |
| Noninterest income to average assets | 0.2263% | 4,663 |
| Noninterest expense to average assets | 3.2113% | 1,543 |
| Loan and lease loss provision to assets | 0.0918% | 1,978 |
| Net operating income to assets | 0.5964% | 4,437 |
| Return on assets (ROA) | 0.5964% | 4,444 |
| Pretax return on assets | 0.7309% | 4,351 |
| Return on Equity (ROE) | 7.4695% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.4695% | 2,069 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6058% | 1,188 |
| Assets per employee ($millions) | 3.1445% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 5,174 |
| Loan loss allowance to noncurrent loans | 241.0788% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,173 |
| Noncurrent loans to loans | 0.2513% | 3,860 |
| Net loans and leases to total assets | 72.1619% | 2,146 |
| Net loans and leases to deposits | 78.9290% | 2,926 |
| Net loans and leases to core deposits | 79.6313% | 3,351 |
| Total domestic deposits to total assets | 91.4263% | 200 |
| Equity capital to assets | 7.9210% | 5,293 |
| Core capital (leverage) ratio | 8.1986% | 5,315 |
| Tier 1 risk-based capital ratio | 12.0060% | 4,541 |
| Total risk-based capital ratio | 12.6549% | 4,818 |
| Memoranda: | ||
| Average total assets | $130,790,000 | 3,738 |
| Average earning assets | $118,717,000 | 3,769 |
| Average equity | $10,442,500 | 4,359 |
| Average total loans | $95,510,000 | 3,430 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,200 |
| Cost of funding earning assets | 0.3038% | 4,102 |
| Net interest margin | 4.0396% | 1,626 |
| Noninterest income to average assets | 0.2590% | 4,582 |
| Noninterest expense to average assets | 2.7711% | 2,886 |
| Loan and lease loss provision to assets | 0.0269% | 3,754 |
| Net operating income to assets | 0.6510% | 3,819 |
| Return on assets (ROA) | 0.6623% | 3,808 |
| Pretax return on assets | 0.8251% | 4,186 |
| Return on Equity (ROE) | 9.1346% | 2,251 |
| Retained earnings to average equity (ytd only) | 4.8405% | 2,227 |
| Net charge-offs to loans | 0.0065% | 3,846 |
| Credit loss provision to net charge-offs | 633.3333% | 506 |
| Earnings coverage of net charge-offs (x) | 197.3333% | 404 |
| Efficiency ratio | 76.7843% | 1,515 |
| Assets per employee ($millions) | 3.0119% | 5,189 |
| Cash dividends to net income (ytd only)* | 47.0085% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 5,279 |
| Loan loss allowance to noncurrent loans | 223.9837% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,180 |
| Noncurrent loans to loans | 0.2586% | 3,861 |
| Net loans and leases to total assets | 73.0321% | 2,086 |
| Net loans and leases to deposits | 79.9922% | 2,922 |
| Net loans and leases to core deposits | 80.4535% | 3,387 |
| Total domestic deposits to total assets | 91.2989% | 178 |
| Equity capital to assets | 8.0486% | 5,376 |
| Core capital (leverage) ratio | 7.3932% | 5,573 |
| Tier 1 risk-based capital ratio | 12.0120% | 4,518 |
| Total risk-based capital ratio | 12.6391% | 4,803 |
| Memoranda: | ||
| Average total assets | $141,318,000 | 3,596 |
| Average earning assets | $117,188,400 | 3,801 |
| Average equity | $10,246,800 | 4,415 |
| Average total loans | $92,801,000 | 3,473 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,179 |
| Cost of funding earning assets | 0.3069% | 4,067 |
| Net interest margin | 4.0231% | 1,620 |
| Noninterest income to average assets | 0.2514% | 4,706 |
| Noninterest expense to average assets | 2.6579% | 3,216 |
| Loan and lease loss provision to assets | 0.0490% | 3,117 |
| Net operating income to assets | 0.5688% | 4,512 |
| Return on assets (ROA) | 0.5767% | 4,514 |
| Pretax return on assets | 0.8142% | 4,313 |
| Return on Equity (ROE) | 8.1547% | 3,045 |
| Retained earnings to average equity (ytd only) | 5.2796% | 2,704 |
| Net charge-offs to loans | 0.0116% | 3,320 |
| Credit loss provision to net charge-offs | 662.5000% | 499 |
| Earnings coverage of net charge-offs (x) | 115.2109% | 634 |
| Efficiency ratio | 75.7241% | 1,633 |
| Assets per employee ($millions) | 3.5612% | 4,635 |
| Cash dividends to net income (ytd only)* | 35.2569% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 5,309 |
| Loan loss allowance to noncurrent loans | 361.5385% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,711 |
| Noncurrent loans to loans | 0.1681% | 4,391 |
| Net loans and leases to total assets | 63.1610% | 3,536 |
| Net loans and leases to deposits | 79.0682% | 3,061 |
| Net loans and leases to core deposits | 79.5291% | 3,487 |
| Total domestic deposits to total assets | 79.8817% | 4,336 |
| Equity capital to assets | 7.1796% | 5,647 |
| Core capital (leverage) ratio | 7.2486% | 5,646 |
| Tier 1 risk-based capital ratio | 11.6454% | 4,855 |
| Total risk-based capital ratio | 12.2753% | 5,121 |
| Memoranda: | ||
| Average total assets | $144,269,250 | 3,575 |
| Average earning assets | $116,857,000 | 3,842 |
| Average equity | $10,202,500 | 4,462 |
| Average total loans | $92,217,000 | 3,521 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,175 |
| Cost of funding earning assets | 0.2953% | 4,128 |
| Net interest margin | 3.9933% | 1,624 |
| Noninterest income to average assets | 0.2157% | 4,961 |
| Noninterest expense to average assets | 2.7546% | 2,909 |
| Loan and lease loss provision to assets | 0.0710% | 2,554 |
| Net operating income to assets | 0.4535% | 4,848 |
| Return on assets (ROA) | 0.4635% | 4,841 |
| Pretax return on assets | 0.6417% | 4,712 |
| Return on Equity (ROE) | 6.5882% | 3,783 |
| Retained earnings to average equity (ytd only) | 2.2356% | 4,336 |
| Net charge-offs to loans | 0.0217% | 2,788 |
| Credit loss provision to net charge-offs | 510.0000% | 651 |
| Earnings coverage of net charge-offs (x) | 50.2000% | 1,069 |
| Efficiency ratio | 79.7662% | 1,231 |
| Assets per employee ($millions) | 3.5421% | 4,659 |
| Cash dividends to net income (ytd only)* | 66.0661% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 5,379 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 3,653 |
| Noncurrent loans to loans | 0.5708% | 3,016 |
| Net loans and leases to total assets | 63.7889% | 3,417 |
| Net loans and leases to deposits | 79.7593% | 2,939 |
| Net loans and leases to core deposits | 80.2255% | 3,406 |
| Total domestic deposits to total assets | 79.9767% | 4,416 |
| Equity capital to assets | 7.0401% | 5,704 |
| Core capital (leverage) ratio | 7.0588% | 5,711 |
| Tier 1 risk-based capital ratio | 11.2611% | 5,109 |
| Total risk-based capital ratio | 11.8828% | 5,333 |
| Memoranda: | ||
| Average total assets | $143,688,670 | 3,603 |
| Average earning assets | $116,494,670 | 3,872 |
| Average equity | $10,109,000 | 4,495 |
| Average total loans | $92,027,330 | 3,536 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2415% | 2,130 |
| Cost of funding earning assets | 0.2998% | 4,051 |
| Net interest margin | 3.9417% | 1,638 |
| Noninterest income to average assets | 0.2687% | 4,619 |
| Noninterest expense to average assets | 2.6868% | 3,191 |
| Loan and lease loss provision to assets | 0.1427% | 1,312 |
| Net operating income to assets | 0.4646% | 4,726 |
| Return on assets (ROA) | 0.4646% | 4,745 |
| Pretax return on assets | 0.6409% | 4,628 |
| Return on Equity (ROE) | 6.6060% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.6060% | 2,023 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 1,707 |
| Assets per employee ($millions) | 3.4193% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 5,452 |
| Loan loss allowance to noncurrent loans | 261.0092% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 4,646 |
| Noncurrent loans to loans | 0.2366% | 4,267 |
| Net loans and leases to total assets | 63.7704% | 3,305 |
| Net loans and leases to deposits | 79.9630% | 2,762 |
| Net loans and leases to core deposits | 80.4356% | 3,247 |
| Total domestic deposits to total assets | 79.7499% | 4,674 |
| Equity capital to assets | 7.0796% | 5,748 |
| Core capital (leverage) ratio | 7.1704% | 5,753 |
| Tier 1 risk-based capital ratio | 11.4660% | 5,053 |
| Total risk-based capital ratio | 12.1058% | 5,306 |
| Memoranda: | ||
| Average total assets | $142,920,000 | 3,652 |
| Average earning assets | $116,091,000 | 3,916 |
| Average equity | $10,051,500 | 4,534 |
| Average total loans | $91,442,000 | 3,564 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 2,113 |
| Cost of funding earning assets | 0.4264% | 2,744 |
| Net interest margin | 3.8819% | 2,021 |
| Noninterest income to average assets | 0.3198% | 4,455 |
| Noninterest expense to average assets | 2.7250% | 3,264 |
| Loan and lease loss provision to assets | 0.0180% | 4,019 |
| Net operating income to assets | 0.5429% | 4,463 |
| Return on assets (ROA) | 0.5842% | 4,385 |
| Pretax return on assets | 0.8135% | 4,151 |
| Return on Equity (ROE) | 8.1341% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.6323% | 2,602 |
| Net charge-offs to loans | 0.1356% | 1,888 |
| Credit loss provision to net charge-offs | 21.0084% | 3,668 |
| Earnings coverage of net charge-offs (x) | 9.0504% | 2,794 |
| Efficiency ratio | 77.8805% | 1,710 |
| Assets per employee ($millions) | 3.3865% | 4,924 |
| Cash dividends to net income (ytd only)* | 43.0504% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 5,574 |
| Loan loss allowance to noncurrent loans | 235.9091% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 4,704 |
| Noncurrent loans to loans | 0.2425% | 4,281 |
| Net loans and leases to total assets | 63.4292% | 3,423 |
| Net loans and leases to deposits | 79.5787% | 2,929 |
| Net loans and leases to core deposits | 80.0525% | 3,392 |
| Total domestic deposits to total assets | 79.7063% | 4,633 |
| Equity capital to assets | 6.9858% | 5,803 |
| Core capital (leverage) ratio | 7.0998% | 5,800 |
| Tier 1 risk-based capital ratio | 11.4460% | 5,086 |
| Total risk-based capital ratio | 12.0373% | 5,345 |
| Memoranda: | ||
| Average total assets | $139,154,200 | 3,687 |
| Average earning assets | $113,965,400 | 3,928 |
| Average equity | $9,995,000 | 4,578 |
| Average total loans | $87,785,800 | 3,622 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,118 |
| Cost of funding earning assets | 0.4232% | 2,803 |
| Net interest margin | 3.8910% | 2,002 |
| Noninterest income to average assets | 0.3266% | 4,443 |
| Noninterest expense to average assets | 2.6958% | 3,359 |
| Loan and lease loss provision to assets | 0.0164% | 3,916 |
| Net operating income to assets | 0.5795% | 4,373 |
| Return on assets (ROA) | 0.6041% | 4,390 |
| Pretax return on assets | 0.8469% | 4,165 |
| Return on Equity (ROE) | 8.3517% | 2,831 |
| Retained earnings to average equity (ytd only) | 6.3536% | 1,984 |
| Net charge-offs to loans | 0.0429% | 2,784 |
| Credit loss provision to net charge-offs | 60.7143% | 2,899 |
| Earnings coverage of net charge-offs (x) | 30.7163% | 1,463 |
| Efficiency ratio | 76.4899% | 1,906 |
| Assets per employee ($millions) | 3.3524% | 4,976 |
| Cash dividends to net income (ytd only)* | 23.9240% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 5,491 |
| Loan loss allowance to noncurrent loans | 192.9487% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 4,550 |
| Noncurrent loans to loans | 0.3468% | 4,011 |
| Net loans and leases to total assets | 63.4591% | 3,463 |
| Net loans and leases to deposits | 80.1426% | 2,946 |
| Net loans and leases to core deposits | 80.6271% | 3,388 |
| Total domestic deposits to total assets | 79.1827% | 4,681 |
| Equity capital to assets | 7.3025% | 5,863 |
| Core capital (leverage) ratio | 7.1280% | 5,867 |
| Tier 1 risk-based capital ratio | 10.8521% | 5,456 |
| Total risk-based capital ratio | 11.5137% | 5,648 |
| Memoranda: | ||
| Average total assets | $138,385,000 | 3,720 |
| Average earning assets | $113,728,500 | 3,958 |
| Average equity | $10,009,750 | 4,617 |
| Average total loans | $87,048,500 | 3,657 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 2,153 |
| Cost of funding earning assets | 0.4203% | 2,834 |
| Net interest margin | 3.8811% | 2,042 |
| Noninterest income to average assets | 0.3184% | 4,501 |
| Noninterest expense to average assets | 2.7184% | 3,322 |
| Loan and lease loss provision to assets | 0.0262% | 3,609 |
| Net operating income to assets | 0.5507% | 4,479 |
| Return on assets (ROA) | 0.5873% | 4,450 |
| Pretax return on assets | 0.8199% | 4,219 |
| Return on Equity (ROE) | 8.1460% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.1215% | 2,649 |
| Net charge-offs to loans | 0.0697% | 2,195 |
| Credit loss provision to net charge-offs | 60.0000% | 2,574 |
| Earnings coverage of net charge-offs (x) | 18.2333% | 1,838 |
| Efficiency ratio | 77.3686% | 1,874 |
| Assets per employee ($millions) | 3.4101% | 4,906 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 5,559 |
| Loan loss allowance to noncurrent loans | 161.1260% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 4,430 |
| Noncurrent loans to loans | 0.4211% | 3,843 |
| Net loans and leases to total assets | 62.9184% | 3,515 |
| Net loans and leases to deposits | 79.4190% | 3,009 |
| Net loans and leases to core deposits | 79.9008% | 3,466 |
| Total domestic deposits to total assets | 79.2234% | 4,727 |
| Equity capital to assets | 7.1973% | 5,952 |
| Core capital (leverage) ratio | 7.1023% | 5,936 |
| Tier 1 risk-based capital ratio | 11.3123% | 5,272 |
| Total risk-based capital ratio | 12.0088% | 5,464 |
| Memoranda: | ||
| Average total assets | $137,579,670 | 3,760 |
| Average earning assets | $113,265,670 | 3,993 |
| Average equity | $9,919,000 | 4,663 |
| Average total loans | $86,080,330 | 3,691 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,162 |
| Cost of funding earning assets | 0.4195% | 2,862 |
| Net interest margin | 3.8715% | 2,027 |
| Noninterest income to average assets | 0.2667% | 4,823 |
| Noninterest expense to average assets | 2.8023% | 3,058 |
| Loan and lease loss provision to assets | 0.0322% | 3,231 |
| Net operating income to assets | 0.4534% | 4,819 |
| Return on assets (ROA) | 0.4983% | 4,733 |
| Pretax return on assets | 0.6859% | 4,571 |
| Return on Equity (ROE) | 6.9057% | 3,500 |
| Retained earnings to average equity (ytd only) | 6.9057% | 1,930 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0169% | 1,482 |
| Assets per employee ($millions) | 3.3043% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 5,545 |
| Loan loss allowance to noncurrent loans | 118.4061% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 3,590 |
| Noncurrent loans to loans | 0.6158% | 3,327 |
| Net loans and leases to total assets | 62.7082% | 3,428 |
| Net loans and leases to deposits | 79.6927% | 2,839 |
| Net loans and leases to core deposits | 80.1945% | 3,298 |
| Total domestic deposits to total assets | 78.6876% | 5,032 |
| Equity capital to assets | 7.3475% | 5,971 |
| Core capital (leverage) ratio | 7.1611% | 5,977 |
| Tier 1 risk-based capital ratio | 11.6651% | 5,124 |
| Total risk-based capital ratio | 12.4162% | 5,325 |
| Memoranda: | ||
| Average total assets | $136,461,500 | 3,799 |
| Average earning assets | $112,514,500 | 4,031 |
| Average equity | $9,847,000 | 4,684 |
| Average total loans | $84,835,000 | 3,728 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 1,891 |
| Cost of funding earning assets | 0.4061% | 3,088 |
| Net interest margin | 3.9968% | 1,728 |
| Noninterest income to average assets | 0.3008% | 4,730 |
| Noninterest expense to average assets | 2.7400% | 3,447 |
| Loan and lease loss provision to assets | 0.0650% | 2,990 |
| Net operating income to assets | 0.5740% | 4,406 |
| Return on assets (ROA) | 0.5734% | 4,494 |
| Pretax return on assets | 0.7966% | 4,200 |
| Return on Equity (ROE) | 8.1444% | 2,876 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,423 |
| Net charge-offs to loans | 0.1206% | 2,172 |
| Credit loss provision to net charge-offs | 88.0000% | 2,798 |
| Earnings coverage of net charge-offs (x) | 11.6700% | 2,545 |
| Efficiency ratio | 76.0615% | 2,260 |
| Assets per employee ($millions) | 3.3524% | 5,064 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7290% | 5,585 |
| Loan loss allowance to noncurrent loans | 112.4771% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,597 |
| Noncurrent loans to loans | 0.6481% | 3,238 |
| Net loans and leases to total assets | 60.7350% | 3,733 |
| Net loans and leases to deposits | 76.7052% | 3,182 |
| Net loans and leases to core deposits | 77.1767% | 3,651 |
| Total domestic deposits to total assets | 79.1798% | 4,944 |
| Equity capital to assets | 7.0863% | 6,043 |
| Core capital (leverage) ratio | 7.0643% | 6,043 |
| Tier 1 risk-based capital ratio | 11.4495% | 5,285 |
| Total risk-based capital ratio | 12.1838% | 5,467 |
| Memoranda: | ||
| Average total assets | $135,328,200 | 3,800 |
| Average earning assets | $111,789,400 | 4,040 |
| Average equity | $9,528,000 | 4,742 |
| Average total loans | $82,901,200 | 3,747 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,860 |
| Cost of funding earning assets | 0.4070% | 3,152 |
| Net interest margin | 4.0121% | 1,659 |
| Noninterest income to average assets | 0.2908% | 4,866 |
| Noninterest expense to average assets | 2.6478% | 3,728 |
| Loan and lease loss provision to assets | 0.0870% | 2,418 |
| Net operating income to assets | 0.6248% | 4,263 |
| Return on assets (ROA) | 0.6241% | 4,374 |
| Pretax return on assets | 0.8704% | 4,092 |
| Return on Equity (ROE) | 8.8793% | 2,640 |
| Retained earnings to average equity (ytd only) | 6.7685% | 1,801 |
| Net charge-offs to loans | 0.1614% | 1,534 |
| Credit loss provision to net charge-offs | 88.0000% | 2,497 |
| Earnings coverage of net charge-offs (x) | 9.6900% | 2,675 |
| Efficiency ratio | 73.4229% | 2,649 |
| Assets per employee ($millions) | 3.2268% | 5,246 |
| Cash dividends to net income (ytd only)* | 23.7725% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 5,660 |
| Loan loss allowance to noncurrent loans | 114.7940% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 3,393 |
| Noncurrent loans to loans | 0.6358% | 3,414 |
| Net loans and leases to total assets | 63.0186% | 3,454 |
| Net loans and leases to deposits | 80.4386% | 2,827 |
| Net loans and leases to core deposits | 80.9564% | 3,345 |
| Total domestic deposits to total assets | 78.3438% | 5,119 |
| Equity capital to assets | 7.3833% | 6,090 |
| Core capital (leverage) ratio | 7.1099% | 6,114 |
| Tier 1 risk-based capital ratio | 11.4427% | 5,409 |
| Total risk-based capital ratio | 12.1782% | 5,604 |
| Memoranda: | ||
| Average total assets | $134,798,250 | 3,848 |
| Average earning assets | $111,394,000 | 4,097 |
| Average equity | $9,475,000 | 4,813 |
| Average total loans | $82,603,500 | 3,790 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 1,859 |
| Cost of funding earning assets | 0.4102% | 3,157 |
| Net interest margin | 3.9878% | 1,672 |
| Noninterest income to average assets | 0.2536% | 5,131 |
| Noninterest expense to average assets | 2.6056% | 3,886 |
| Loan and lease loss provision to assets | 0.1298% | 1,706 |
| Net operating income to assets | 0.5599% | 4,523 |
| Return on assets (ROA) | 0.5589% | 4,629 |
| Pretax return on assets | 0.7712% | 4,420 |
| Return on Equity (ROE) | 8.0833% | 3,004 |
| Retained earnings to average equity (ytd only) | 4.8841% | 2,936 |
| Net charge-offs to loans | 0.2459% | 1,058 |
| Credit loss provision to net charge-offs | 87.1287% | 2,242 |
| Earnings coverage of net charge-offs (x) | 6.0594% | 2,831 |
| Efficiency ratio | 74.2749% | 2,648 |
| Assets per employee ($millions) | 3.2528% | 5,245 |
| Cash dividends to net income (ytd only)* | 39.5778% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 5,743 |
| Loan loss allowance to noncurrent loans | 91.4798% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 3,621 |
| Noncurrent loans to loans | 0.8027% | 3,106 |
| Net loans and leases to total assets | 60.5581% | 3,750 |
| Net loans and leases to deposits | 76.5583% | 3,201 |
| Net loans and leases to core deposits | 77.0302% | 3,661 |
| Total domestic deposits to total assets | 79.1005% | 5,079 |
| Equity capital to assets | 6.8513% | 6,212 |
| Core capital (leverage) ratio | 6.7601% | 6,217 |
| Tier 1 risk-based capital ratio | 11.1422% | 5,645 |
| Total risk-based capital ratio | 11.8719% | 5,817 |
| Memoranda: | ||
| Average total assets | $135,631,330 | 3,863 |
| Average earning assets | $110,688,000 | 4,139 |
| Average equity | $9,377,330 | 4,861 |
| Average total loans | $82,142,670 | 3,820 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 1,905 |
| Cost of funding earning assets | 0.4106% | 3,183 |
| Net interest margin | 3.9487% | 1,718 |
| Noninterest income to average assets | 0.2457% | 5,205 |
| Noninterest expense to average assets | 2.6728% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5527% | 4,468 |
| Return on assets (ROA) | 0.5505% | 4,593 |
| Pretax return on assets | 0.7577% | 4,396 |
| Return on Equity (ROE) | 7.9267% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.9267% | 1,593 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8448% | 2,208 |
| Assets per employee ($millions) | 3.3325% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 5,790 |
| Loan loss allowance to noncurrent loans | 256.1475% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 4,835 |
| Noncurrent loans to loans | 0.2965% | 4,726 |
| Net loans and leases to total assets | 58.3467% | 3,894 |
| Net loans and leases to deposits | 73.6311% | 3,360 |
| Net loans and leases to core deposits | 74.0719% | 3,769 |
| Total domestic deposits to total assets | 79.2420% | 5,223 |
| Equity capital to assets | 6.8138% | 6,277 |
| Core capital (leverage) ratio | 7.1612% | 6,217 |
| Tier 1 risk-based capital ratio | 11.2861% | 5,670 |
| Total risk-based capital ratio | 12.0433% | 5,828 |
| Memoranda: | ||
| Average total assets | $135,139,000 | 3,900 |
| Average earning assets | $109,098,000 | 4,195 |
| Average equity | $9,386,000 | 4,898 |
| Average total loans | $81,542,000 | 3,844 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,979 |
| Cost of funding earning assets | 0.4299% | 3,384 |
| Net interest margin | 4.0429% | 1,764 |
| Noninterest income to average assets | 0.3763% | 4,376 |
| Noninterest expense to average assets | 3.0362% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6143% | 4,303 |
| Return on assets (ROA) | 0.6143% | 4,402 |
| Pretax return on assets | 0.8397% | 4,110 |
| Return on Equity (ROE) | 8.2928% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.5662% | 2,221 |
| Net charge-offs to loans | -0.0026% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3351% | 2,157 |
| Assets per employee ($millions) | 3.1027% | 5,561 |
| Cash dividends to net income (ytd only)* | 32.8786% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 5,841 |
| Loan loss allowance to noncurrent loans | 251.0040% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 4,821 |
| Noncurrent loans to loans | 0.3082% | 4,738 |
| Net loans and leases to total assets | 61.5203% | 3,567 |
| Net loans and leases to deposits | 78.2350% | 2,949 |
| Net loans and leases to core deposits | 78.7414% | 3,438 |
| Total domestic deposits to total assets | 78.6353% | 5,321 |
| Equity capital to assets | 7.0868% | 6,315 |
| Core capital (leverage) ratio | 6.9445% | 6,321 |
| Tier 1 risk-based capital ratio | 11.6511% | 5,576 |
| Total risk-based capital ratio | 12.4507% | 5,748 |
| Memoranda: | ||
| Average total assets | $119,327,600 | 4,194 |
| Average earning assets | $103,291,600 | 4,322 |
| Average equity | $8,839,000 | 5,014 |
| Average total loans | $77,658,600 | 3,943 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 2,044 |
| Cost of funding earning assets | 0.4281% | 3,482 |
| Net interest margin | 4.0244% | 1,810 |
| Noninterest income to average assets | 0.3603% | 4,549 |
| Noninterest expense to average assets | 3.0696% | 2,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6084% | 4,408 |
| Return on assets (ROA) | 0.6084% | 4,495 |
| Pretax return on assets | 0.8280% | 4,262 |
| Return on Equity (ROE) | 8.1158% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.7276% | 1,968 |
| Net charge-offs to loans | -0.0035% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7559% | 2,080 |
| Assets per employee ($millions) | 3.1018% | 5,589 |
| Cash dividends to net income (ytd only)* | 17.1051% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 5,905 |
| Loan loss allowance to noncurrent loans | 246.0630% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 5,034 |
| Noncurrent loans to loans | 0.3197% | 4,950 |
| Net loans and leases to total assets | 60.5097% | 3,699 |
| Net loans and leases to deposits | 79.8010% | 2,718 |
| Net loans and leases to core deposits | 80.3353% | 3,281 |
| Total domestic deposits to total assets | 75.8258% | 5,842 |
| Equity capital to assets | 6.9845% | 6,382 |
| Core capital (leverage) ratio | 7.2483% | 6,340 |
| Tier 1 risk-based capital ratio | 11.6605% | 5,694 |
| Total risk-based capital ratio | 12.4741% | 5,852 |
| Memoranda: | ||
| Average total assets | $116,581,250 | 4,290 |
| Average earning assets | $102,471,250 | 4,379 |
| Average equity | $8,740,000 | 5,080 |
| Average total loans | $76,874,750 | 3,997 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 2,124 |
| Cost of funding earning assets | 0.4231% | 3,619 |
| Net interest margin | 3.9924% | 1,826 |
| Noninterest income to average assets | 0.3928% | 4,290 |
| Noninterest expense to average assets | 3.2442% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5856% | 4,426 |
| Return on assets (ROA) | 0.5856% | 4,520 |
| Pretax return on assets | 0.7874% | 4,324 |
| Return on Equity (ROE) | 7.6099% | 3,314 |
| Retained earnings to average equity (ytd only) | 5.4986% | 2,635 |
| Net charge-offs to loans | -0.0026% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4694% | 1,949 |
| Assets per employee ($millions) | 2.8472% | 5,964 |
| Cash dividends to net income (ytd only)* | 27.7439% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,000 |
| Loan loss allowance to noncurrent loans | 312.0000% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 5,150 |
| Noncurrent loans to loans | 0.2534% | 5,251 |
| Net loans and leases to total assets | 68.7568% | 2,283 |
| Net loans and leases to deposits | 80.0787% | 2,505 |
| Net loans and leases to core deposits | 80.2889% | 3,180 |
| Total domestic deposits to total assets | 85.8614% | 3,114 |
| Equity capital to assets | 7.7691% | 6,269 |
| Core capital (leverage) ratio | 7.8759% | 6,170 |
| Tier 1 risk-based capital ratio | 12.0464% | 5,518 |
| Total risk-based capital ratio | 12.9050% | 5,665 |
| Memoranda: | ||
| Average total assets | $112,016,670 | 4,413 |
| Average earning assets | $102,094,670 | 4,409 |
| Average equity | $8,620,330 | 5,129 |
| Average total loans | $76,015,000 | 4,041 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,355 |
| Cost of funding earning assets | 0.4159% | 3,809 |
| Net interest margin | 3.9273% | 1,987 |
| Noninterest income to average assets | 0.4033% | 4,160 |
| Noninterest expense to average assets | 3.3345% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5113% | 4,629 |
| Return on assets (ROA) | 0.5113% | 4,708 |
| Pretax return on assets | 0.6734% | 4,579 |
| Return on Equity (ROE) | 6.6772% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.6772% | 2,199 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1986% | 1,766 |
| Assets per employee ($millions) | 2.7020% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 6,074 |
| Loan loss allowance to noncurrent loans | 146.2441% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 5,000 |
| Noncurrent loans to loans | 0.5552% | 4,496 |
| Net loans and leases to total assets | 68.7013% | 2,113 |
| Net loans and leases to deposits | 80.1554% | 2,273 |
| Net loans and leases to core deposits | 80.3713% | 2,926 |
| Total domestic deposits to total assets | 85.7100% | 3,510 |
| Equity capital to assets | 7.7917% | 6,183 |
| Core capital (leverage) ratio | 7.9168% | 6,168 |
| Tier 1 risk-based capital ratio | 12.3724% | 5,393 |
| Total risk-based capital ratio | 13.2622% | 5,569 |
| Memoranda: | ||
| Average total assets | $111,081,500 | 4,468 |
| Average earning assets | $101,954,000 | 4,452 |
| Average equity | $8,506,500 | 5,180 |
| Average total loans | $74,558,000 | 4,117 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 2,410 |
| Cost of funding earning assets | 0.4605% | 4,019 |
| Net interest margin | 3.9852% | 1,990 |
| Noninterest income to average assets | 0.4466% | 4,107 |
| Noninterest expense to average assets | 3.2861% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6031% | 4,246 |
| Return on assets (ROA) | 0.6978% | 3,900 |
| Pretax return on assets | 0.9480% | 3,568 |
| Return on Equity (ROE) | 9.0929% | 2,493 |
| Retained earnings to average equity (ytd only) | 7.0101% | 1,428 |
| Net charge-offs to loans | -0.0070% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0267% | 2,146 |
| Assets per employee ($millions) | 2.7166% | 6,199 |
| Cash dividends to net income (ytd only)* | 22.9058% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 6,031 |
| Loan loss allowance to noncurrent loans | 211.1864% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 5,465 |
| Noncurrent loans to loans | 0.4076% | 4,987 |
| Net loans and leases to total assets | 64.4287% | 2,965 |
| Net loans and leases to deposits | 74.8600% | 3,122 |
| Net loans and leases to core deposits | 75.0596% | 3,725 |
| Total domestic deposits to total assets | 86.0656% | 3,232 |
| Equity capital to assets | 7.5248% | 6,272 |
| Core capital (leverage) ratio | 7.8139% | 6,236 |
| Tier 1 risk-based capital ratio | 12.6885% | 5,180 |
| Total risk-based capital ratio | 13.6157% | 5,311 |
| Memoranda: | ||
| Average total assets | $109,492,000 | 4,509 |
| Average earning assets | $100,547,600 | 4,496 |
| Average equity | $8,402,200 | 5,239 |
| Average total loans | $71,617,400 | 4,199 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 2,278 |
| Cost of funding earning assets | 0.4719% | 4,049 |
| Net interest margin | 4.0163% | 1,893 |
| Noninterest income to average assets | 0.4476% | 4,171 |
| Noninterest expense to average assets | 3.2764% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6154% | 4,281 |
| Return on assets (ROA) | 0.7387% | 3,784 |
| Pretax return on assets | 1.0273% | 3,387 |
| Return on Equity (ROE) | 9.5785% | 2,361 |
| Retained earnings to average equity (ytd only) | 8.1989% | 1,337 |
| Net charge-offs to loans | -0.0075% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2838% | 2,222 |
| Assets per employee ($millions) | 2.6238% | 6,357 |
| Cash dividends to net income (ytd only)* | 14.4044% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,163 |
| Loan loss allowance to noncurrent loans | 550.4425% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 6,123 |
| Noncurrent loans to loans | 0.1560% | 5,847 |
| Net loans and leases to total assets | 66.7726% | 2,504 |
| Net loans and leases to deposits | 78.0859% | 2,653 |
| Net loans and leases to core deposits | 78.3021% | 3,318 |
| Total domestic deposits to total assets | 85.5118% | 3,487 |
| Equity capital to assets | 7.7842% | 6,264 |
| Core capital (leverage) ratio | 7.9811% | 6,235 |
| Tier 1 risk-based capital ratio | 12.5587% | 5,421 |
| Total risk-based capital ratio | 13.4826% | 5,552 |
| Memoranda: | ||
| Average total assets | $109,020,250 | 4,556 |
| Average earning assets | $100,023,500 | 4,558 |
| Average equity | $8,407,500 | 5,295 |
| Average total loans | $71,426,000 | 4,245 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 2,252 |
| Cost of funding earning assets | 0.4858% | 4,029 |
| Net interest margin | 3.9997% | 1,855 |
| Noninterest income to average assets | 0.4913% | 3,891 |
| Noninterest expense to average assets | 3.3369% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5885% | 4,354 |
| Return on assets (ROA) | 0.7726% | 3,600 |
| Pretax return on assets | 1.0794% | 3,175 |
| Return on Equity (ROE) | 10.0491% | 2,182 |
| Retained earnings to average equity (ytd only) | 7.9823% | 1,494 |
| Net charge-offs to loans | -0.0056% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2019% | 2,123 |
| Assets per employee ($millions) | 2.6683% | 6,326 |
| Cash dividends to net income (ytd only)* | 20.5674% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 6,220 |
| Loan loss allowance to noncurrent loans | 525.4237% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 6,159 |
| Noncurrent loans to loans | 0.1648% | 5,911 |
| Net loans and leases to total assets | 66.5174% | 2,505 |
| Net loans and leases to deposits | 77.7493% | 2,598 |
| Net loans and leases to core deposits | 77.9653% | 3,295 |
| Total domestic deposits to total assets | 85.5537% | 3,612 |
| Equity capital to assets | 7.7015% | 6,364 |
| Core capital (leverage) ratio | 7.7333% | 6,351 |
| Tier 1 risk-based capital ratio | 12.3337% | 5,606 |
| Total risk-based capital ratio | 13.2577% | 5,734 |
| Memoranda: | ||
| Average total assets | $109,501,330 | 4,576 |
| Average earning assets | $100,458,670 | 4,571 |
| Average equity | $8,418,670 | 5,332 |
| Average total loans | $71,083,330 | 4,273 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 2,283 |
| Cost of funding earning assets | 0.5117% | 3,954 |
| Net interest margin | 3.9559% | 1,934 |
| Noninterest income to average assets | 0.5483% | 3,452 |
| Noninterest expense to average assets | 3.5568% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4423% | 4,951 |
| Return on assets (ROA) | 0.8008% | 3,294 |
| Pretax return on assets | 1.1219% | 2,874 |
| Return on Equity (ROE) | 10.4250% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.4250% | 1,002 |
| Net charge-offs to loans | -0.0056% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2204% | 1,621 |
| Assets per employee ($millions) | 2.7063% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 6,324 |
| Loan loss allowance to noncurrent loans | 368.4524% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,107 |
| Noncurrent loans to loans | 0.2365% | 5,823 |
| Net loans and leases to total assets | 65.0568% | 2,534 |
| Net loans and leases to deposits | 76.3669% | 2,576 |
| Net loans and leases to core deposits | 76.5770% | 3,251 |
| Total domestic deposits to total assets | 85.1898% | 3,951 |
| Equity capital to assets | 7.9076% | 6,429 |
| Core capital (leverage) ratio | 7.5578% | 6,445 |
| Tier 1 risk-based capital ratio | 12.3253% | 5,696 |
| Total risk-based capital ratio | 13.2596% | 5,867 |
| Memoranda: | ||
| Average total assets | $110,885,500 | 4,599 |
| Average earning assets | $101,620,500 | 4,571 |
| Average equity | $8,518,000 | 5,355 |
| Average total loans | $70,817,000 | 4,317 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 3,044 |
| Cost of funding earning assets | 0.6247% | 4,139 |
| Net interest margin | 3.9651% | 2,548 |
| Noninterest income to average assets | 0.4155% | 4,491 |
| Noninterest expense to average assets | 3.1308% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6953% | 3,763 |
| Return on assets (ROA) | 0.6953% | 4,020 |
| Pretax return on assets | 0.9586% | 3,709 |
| Return on Equity (ROE) | 9.1486% | 2,561 |
| Retained earnings to average equity (ytd only) | 5.5278% | 2,364 |
| Net charge-offs to loans | 0.0289% | 5,496 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 52.2500% | 660 |
| Efficiency ratio | 76.5590% | 2,650 |
| Assets per employee ($millions) | 2.7688% | 6,345 |
| Cash dividends to net income (ytd only)* | 39.5778% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,329 |
| Loan loss allowance to noncurrent loans | 490.4762% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 6,303 |
| Noncurrent loans to loans | 0.1785% | 6,027 |
| Net loans and leases to total assets | 61.6388% | 3,306 |
| Net loans and leases to deposits | 74.9135% | 2,977 |
| Net loans and leases to core deposits | 75.1162% | 3,644 |
| Total domestic deposits to total assets | 82.2799% | 5,000 |
| Equity capital to assets | 7.4665% | 6,649 |
| Core capital (leverage) ratio | 7.2639% | 6,606 |
| Tier 1 risk-based capital ratio | 11.9038% | 5,839 |
| Total risk-based capital ratio | 12.8293% | 6,010 |
| Memoranda: | ||
| Average total assets | $109,013,400 | 4,615 |
| Average earning assets | $101,007,000 | 4,571 |
| Average equity | $8,285,400 | 5,423 |
| Average total loans | $69,230,200 | 4,381 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 2,984 |
| Cost of funding earning assets | 0.6426% | 4,256 |
| Net interest margin | 4.0139% | 2,454 |
| Noninterest income to average assets | 0.3584% | 4,958 |
| Noninterest expense to average assets | 3.0599% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7403% | 3,735 |
| Return on assets (ROA) | 0.7403% | 3,985 |
| Pretax return on assets | 1.0270% | 3,612 |
| Return on Equity (ROE) | 9.6950% | 2,502 |
| Retained earnings to average equity (ytd only) | 7.2672% | 1,967 |
| Net charge-offs to loans | 0.0387% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 41.5437% | 855 |
| Efficiency ratio | 74.8715% | 2,844 |
| Assets per employee ($millions) | 2.7095% | 6,477 |
| Cash dividends to net income (ytd only)* | 25.0423% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 6,455 |
| Loan loss allowance to noncurrent loans | 374.5455% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 6,331 |
| Noncurrent loans to loans | 0.2324% | 6,025 |
| Net loans and leases to total assets | 64.9280% | 2,855 |
| Net loans and leases to deposits | 79.7337% | 2,434 |
| Net loans and leases to core deposits | 80.3134% | 3,167 |
| Total domestic deposits to total assets | 81.4311% | 5,221 |
| Equity capital to assets | 7.8548% | 6,662 |
| Core capital (leverage) ratio | 7.4219% | 6,657 |
| Tier 1 risk-based capital ratio | 12.2956% | 5,767 |
| Total risk-based capital ratio | 13.2524% | 5,922 |
| Memoranda: | ||
| Average total assets | $107,886,500 | 4,690 |
| Average earning assets | $100,216,000 | 4,637 |
| Average equity | $8,237,750 | 5,489 |
| Average total loans | $68,890,000 | 4,433 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 2,917 |
| Cost of funding earning assets | 0.6541% | 4,403 |
| Net interest margin | 4.0446% | 2,320 |
| Noninterest income to average assets | 0.3101% | 5,335 |
| Noninterest expense to average assets | 3.0319% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7445% | 3,631 |
| Return on assets (ROA) | 0.7445% | 3,906 |
| Pretax return on assets | 1.0323% | 3,588 |
| Return on Equity (ROE) | 9.8453% | 2,420 |
| Retained earnings to average equity (ytd only) | 6.1625% | 2,597 |
| Net charge-offs to loans | 0.0587% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,122 |
| Efficiency ratio | 74.6003% | 2,968 |
| Assets per employee ($millions) | 2.7851% | 6,428 |
| Cash dividends to net income (ytd only)* | 37.4065% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,521 |
| Loan loss allowance to noncurrent loans | 349.1525% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 6,397 |
| Noncurrent loans to loans | 0.2503% | 6,078 |
| Net loans and leases to total assets | 62.9342% | 3,247 |
| Net loans and leases to deposits | 76.4875% | 2,916 |
| Net loans and leases to core deposits | 77.3431% | 3,608 |
| Total domestic deposits to total assets | 82.2804% | 5,023 |
| Equity capital to assets | 7.4370% | 6,813 |
| Core capital (leverage) ratio | 7.1472% | 6,768 |
| Tier 1 risk-based capital ratio | 12.0107% | 5,928 |
| Total risk-based capital ratio | 12.9675% | 6,083 |
| Memoranda: | ||
| Average total assets | $107,722,000 | 4,725 |
| Average earning assets | $99,985,670 | 4,667 |
| Average equity | $8,146,000 | 5,526 |
| Average total loans | $68,191,000 | 4,481 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 2,515 |
| Cost of funding earning assets | 0.6693% | 4,542 |
| Net interest margin | 4.1627% | 1,884 |
| Noninterest income to average assets | 0.1587% | 6,436 |
| Noninterest expense to average assets | 3.0827% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6762% | 4,001 |
| Return on assets (ROA) | 0.6762% | 4,216 |
| Pretax return on assets | 0.9293% | 3,934 |
| Return on Equity (ROE) | 8.8652% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.8652% | 1,635 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8362% | 2,671 |
| Assets per employee ($millions) | 2.6554% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 6,419 |
| Loan loss allowance to noncurrent loans | 291.3242% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 6,369 |
| Noncurrent loans to loans | 0.3257% | 6,022 |
| Net loans and leases to total assets | 62.7122% | 3,120 |
| Net loans and leases to deposits | 76.7452% | 2,701 |
| Net loans and leases to core deposits | 77.4249% | 3,405 |
| Total domestic deposits to total assets | 81.7148% | 5,391 |
| Equity capital to assets | 7.6410% | 6,718 |
| Core capital (leverage) ratio | 7.3789% | 6,697 |
| Tier 1 risk-based capital ratio | 12.4803% | 5,620 |
| Total risk-based capital ratio | 13.5161% | 5,750 |
| Memoranda: | ||
| Average total assets | $105,882,000 | 4,793 |
| Average earning assets | $98,013,500 | 4,749 |
| Average equity | $8,076,500 | 5,567 |
| Average total loans | $66,922,500 | 4,549 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 2,987 |
| Cost of funding earning assets | 0.7547% | 5,173 |
| Net interest margin | 4.2221% | 1,988 |
| Noninterest income to average assets | 0.3477% | 5,028 |
| Noninterest expense to average assets | 3.4317% | 2,164 |
| Loan and lease loss provision to assets | 0.0210% | 6,308 |
| Net operating income to assets | 0.5794% | 4,100 |
| Return on assets (ROA) | 0.5794% | 4,285 |
| Pretax return on assets | 0.7793% | 4,053 |
| Return on Equity (ROE) | 7.4300% | 3,184 |
| Retained earnings to average equity (ytd only) | 2.3059% | 4,573 |
| Net charge-offs to loans | 0.2019% | 4,530 |
| Credit loss provision to net charge-offs | 15.6716% | 5,961 |
| Earnings coverage of net charge-offs (x) | 5.9776% | 2,627 |
| Efficiency ratio | 81.0907% | 2,151 |
| Assets per employee ($millions) | 2.6387% | 6,673 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 6,369 |
| Loan loss allowance to noncurrent loans | 105.9801% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 5,550 |
| Noncurrent loans to loans | 0.9040% | 4,875 |
| Net loans and leases to total assets | 62.4916% | 3,507 |
| Net loans and leases to deposits | 76.5059% | 3,092 |
| Net loans and leases to core deposits | 77.1872% | 3,798 |
| Total domestic deposits to total assets | 81.6821% | 5,241 |
| Equity capital to assets | 7.6146% | 6,763 |
| Core capital (leverage) ratio | 7.4542% | 6,675 |
| Tier 1 risk-based capital ratio | 12.3963% | 5,538 |
| Total risk-based capital ratio | 13.4499% | 5,661 |
| Memoranda: | ||
| Average total assets | $100,095,600 | 4,889 |
| Average earning assets | $92,086,000 | 4,851 |
| Average equity | $7,806,200 | 5,629 |
| Average total loans | $66,364,600 | 4,619 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 2,897 |
| Cost of funding earning assets | 0.7724% | 5,318 |
| Net interest margin | 4.2660% | 1,846 |
| Noninterest income to average assets | 0.3889% | 4,745 |
| Noninterest expense to average assets | 3.5111% | 1,913 |
| Loan and lease loss provision to assets | 0.0284% | 6,083 |
| Net operating income to assets | 0.5753% | 4,195 |
| Return on assets (ROA) | 0.5753% | 4,380 |
| Pretax return on assets | 0.7724% | 4,231 |
| Return on Equity (ROE) | 7.3303% | 3,364 |
| Retained earnings to average equity (ytd only) | 3.8889% | 3,952 |
| Net charge-offs to loans | 0.2715% | 3,744 |
| Credit loss provision to net charge-offs | 15.5556% | 5,614 |
| Earnings coverage of net charge-offs (x) | 4.3925% | 3,080 |
| Efficiency ratio | 81.4281% | 2,051 |
| Assets per employee ($millions) | 2.5113% | 6,874 |
| Cash dividends to net income (ytd only)* | 46.9480% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 6,356 |
| Loan loss allowance to noncurrent loans | 108.3333% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0791% | 4,607 |
| Noncurrent loans to loans | 0.9041% | 5,057 |
| Net loans and leases to total assets | 64.1138% | 3,288 |
| Net loans and leases to deposits | 79.4677% | 2,726 |
| Net loans and leases to core deposits | 80.2200% | 3,601 |
| Total domestic deposits to total assets | 80.6791% | 5,538 |
| Equity capital to assets | 8.0686% | 6,653 |
| Core capital (leverage) ratio | 7.7229% | 6,617 |
| Tier 1 risk-based capital ratio | 12.7814% | 5,265 |
| Total risk-based capital ratio | 13.8604% | 5,378 |
| Memoranda: | ||
| Average total assets | $98,732,750 | 4,958 |
| Average earning assets | $90,793,000 | 4,932 |
| Average equity | $7,748,500 | 5,678 |
| Average total loans | $66,306,750 | 4,661 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 2,883 |
| Cost of funding earning assets | 0.7884% | 5,455 |
| Net interest margin | 4.2698% | 1,764 |
| Noninterest income to average assets | 0.4116% | 4,579 |
| Noninterest expense to average assets | 3.6593% | 1,607 |
| Loan and lease loss provision to assets | 0.0407% | 5,800 |
| Net operating income to assets | 0.4870% | 4,556 |
| Return on assets (ROA) | 0.4870% | 4,700 |
| Pretax return on assets | 0.6398% | 4,617 |
| Return on Equity (ROE) | 6.2650% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.0223% | 5,454 |
| Net charge-offs to loans | 0.2937% | 3,405 |
| Credit loss provision to net charge-offs | 20.4082% | 5,127 |
| Earnings coverage of net charge-offs (x) | 3.4082% | 3,184 |
| Efficiency ratio | 84.3192% | 1,779 |
| Assets per employee ($millions) | 2.4404% | 6,981 |
| Cash dividends to net income (ytd only)* | 83.6820% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 6,215 |
| Loan loss allowance to noncurrent loans | 86.5039% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 4,371 |
| Noncurrent loans to loans | 1.1908% | 4,664 |
| Net loans and leases to total assets | 66.2436% | 2,985 |
| Net loans and leases to deposits | 82.2151% | 2,420 |
| Net loans and leases to core deposits | 83.0152% | 3,362 |
| Total domestic deposits to total assets | 80.5735% | 5,661 |
| Equity capital to assets | 7.9497% | 6,712 |
| Core capital (leverage) ratio | 7.5674% | 6,698 |
| Tier 1 risk-based capital ratio | 12.6544% | 5,217 |
| Total risk-based capital ratio | 13.8086% | 5,263 |
| Memoranda: | ||
| Average total assets | $98,160,000 | 5,020 |
| Average earning assets | $90,307,670 | 4,986 |
| Average equity | $7,629,670 | 5,725 |
| Average total loans | $66,729,000 | 4,696 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 2,973 |
| Cost of funding earning assets | 0.7887% | 5,618 |
| Net interest margin | 4.2387% | 1,789 |
| Noninterest income to average assets | 0.4551% | 4,233 |
| Noninterest expense to average assets | 3.6736% | 1,589 |
| Loan and lease loss provision to assets | 0.0813% | 4,993 |
| Net operating income to assets | 0.4633% | 4,650 |
| Return on assets (ROA) | 0.4633% | 4,731 |
| Pretax return on assets | 0.6096% | 4,650 |
| Return on Equity (ROE) | 6.0282% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.0282% | 2,619 |
| Net charge-offs to loans | -0.0297% | 6,709 |
| Credit loss provision to net charge-offs | -400.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1713% | 1,941 |
| Assets per employee ($millions) | 2.4565% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,802 |
| Loan loss allowance to noncurrent loans | 69.9729% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4665% | 4,061 |
| Noncurrent loans to loans | 1.6572% | 3,994 |
| Net loans and leases to total assets | 67.3180% | 2,694 |
| Net loans and leases to deposits | 83.2643% | 2,143 |
| Net loans and leases to core deposits | 84.0654% | 3,150 |
| Total domestic deposits to total assets | 80.8486% | 5,703 |
| Equity capital to assets | 7.7906% | 6,684 |
| Core capital (leverage) ratio | 7.5842% | 6,670 |
| Tier 1 risk-based capital ratio | 12.5663% | 5,201 |
| Total risk-based capital ratio | 13.8146% | 5,180 |
| Memoranda: | ||
| Average total assets | $98,433,000 | 5,043 |
| Average earning assets | $90,782,500 | 5,017 |
| Average equity | $7,564,500 | 5,755 |
| Average total loans | $67,425,500 | 4,707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2559% | 3,329 |
| Cost of funding earning assets | 0.8638% | 6,328 |
| Net interest margin | 4.3921% | 1,501 |
| Noninterest income to average assets | 0.5066% | 4,119 |
| Noninterest expense to average assets | 3.6293% | 1,852 |
| Loan and lease loss provision to assets | 0.5423% | 2,978 |
| Net operating income to assets | 0.3222% | 4,858 |
| Return on assets (ROA) | 0.3195% | 5,031 |
| Pretax return on assets | 0.3773% | 5,014 |
| Return on Equity (ROE) | 3.9462% | 4,552 |
| Retained earnings to average equity (ytd only) | -1.2462% | 5,846 |
| Net charge-offs to loans | 0.3951% | 4,061 |
| Credit loss provision to net charge-offs | 184.9462% | 1,777 |
| Earnings coverage of net charge-offs (x) | 3.1470% | 3,496 |
| Efficiency ratio | 79.7275% | 2,452 |
| Assets per employee ($millions) | 2.4652% | 7,058 |
| Cash dividends to net income (ytd only)* | 131.5789% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,938 |
| Loan loss allowance to noncurrent loans | 64.5744% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 4,061 |
| Noncurrent loans to loans | 1.7121% | 3,934 |
| Net loans and leases to total assets | 68.1270% | 2,956 |
| Net loans and leases to deposits | 83.9715% | 2,454 |
| Net loans and leases to core deposits | 84.7725% | 3,483 |
| Total domestic deposits to total assets | 81.1312% | 5,485 |
| Equity capital to assets | 7.5796% | 6,832 |
| Core capital (leverage) ratio | 7.5134% | 6,694 |
| Tier 1 risk-based capital ratio | 12.3537% | 5,158 |
| Total risk-based capital ratio | 13.6010% | 5,132 |
| Memoranda: | ||
| Average total assets | $95,143,000 | 5,121 |
| Average earning assets | $87,634,600 | 5,094 |
| Average equity | $7,703,600 | 5,807 |
| Average total loans | $70,612,200 | 4,662 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 3,278 |
| Cost of funding earning assets | 0.8736% | 6,494 |
| Net interest margin | 4.4405% | 1,397 |
| Noninterest income to average assets | 0.5134% | 4,076 |
| Noninterest expense to average assets | 3.6162% | 1,753 |
| Loan and lease loss provision to assets | 0.6406% | 2,386 |
| Net operating income to assets | 0.2560% | 5,326 |
| Return on assets (ROA) | 0.2560% | 5,488 |
| Pretax return on assets | 0.3394% | 5,399 |
| Return on Equity (ROE) | 3.1095% | 5,183 |
| Retained earnings to average equity (ytd only) | -0.3264% | 5,865 |
| Net charge-offs to loans | 0.3124% | 4,089 |
| Credit loss provision to net charge-offs | 271.2575% | 1,207 |
| Earnings coverage of net charge-offs (x) | 4.1497% | 3,174 |
| Efficiency ratio | 78.6769% | 2,535 |
| Assets per employee ($millions) | 2.3813% | 7,218 |
| Cash dividends to net income (ytd only)* | 110.4960% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,767 |
| Loan loss allowance to noncurrent loans | 54.8321% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4943% | 4,211 |
| Noncurrent loans to loans | 2.0744% | 3,595 |
| Net loans and leases to total assets | 71.2173% | 2,429 |
| Net loans and leases to deposits | 89.1757% | 1,839 |
| Net loans and leases to core deposits | 90.0465% | 3,084 |
| Total domestic deposits to total assets | 79.8617% | 5,748 |
| Equity capital to assets | 8.0238% | 6,786 |
| Core capital (leverage) ratio | 7.8873% | 6,482 |
| Tier 1 risk-based capital ratio | 12.4174% | 5,066 |
| Total risk-based capital ratio | 13.6717% | 5,025 |
| Memoranda: | ||
| Average total assets | $94,277,000 | 5,215 |
| Average earning assets | $86,685,250 | 5,185 |
| Average equity | $7,761,000 | 5,870 |
| Average total loans | $71,283,000 | 4,706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 3,148 |
| Cost of funding earning assets | 0.8862% | 6,639 |
| Net interest margin | 4.4756% | 1,255 |
| Noninterest income to average assets | 0.4745% | 4,324 |
| Noninterest expense to average assets | 3.6755% | 1,608 |
| Loan and lease loss provision to assets | 0.1460% | 5,436 |
| Net operating income to assets | 0.5668% | 4,011 |
| Return on assets (ROA) | 0.5668% | 4,159 |
| Pretax return on assets | 0.7621% | 4,018 |
| Return on Equity (ROE) | 6.8246% | 3,385 |
| Retained earnings to average equity (ytd only) | 1.6545% | 5,044 |
| Net charge-offs to loans | 0.1397% | 4,831 |
| Credit loss provision to net charge-offs | 136.0000% | 2,946 |
| Earnings coverage of net charge-offs (x) | 8.4600% | 2,131 |
| Efficiency ratio | 80.1874% | 2,424 |
| Assets per employee ($millions) | 2.3607% | 7,286 |
| Cash dividends to net income (ytd only)* | 75.7576% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 7,150 |
| Loan loss allowance to noncurrent loans | 62.0047% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 5,302 |
| Noncurrent loans to loans | 1.2092% | 4,944 |
| Net loans and leases to total assets | 74.5822% | 1,793 |
| Net loans and leases to deposits | 93.4167% | 1,353 |
| Net loans and leases to core deposits | 94.3580% | 2,663 |
| Total domestic deposits to total assets | 79.8382% | 5,776 |
| Equity capital to assets | 8.2414% | 6,492 |
| Core capital (leverage) ratio | 7.9266% | 6,356 |
| Tier 1 risk-based capital ratio | 12.7495% | 4,647 |
| Total risk-based capital ratio | 13.6549% | 4,922 |
| Memoranda: | ||
| Average total assets | $93,157,670 | 5,277 |
| Average earning assets | $85,531,330 | 5,253 |
| Average equity | $7,736,670 | 5,889 |
| Average total loans | $71,599,670 | 4,732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3958% | 3,054 |
| Cost of funding earning assets | 0.8867% | 6,819 |
| Net interest margin | 4.5091% | 1,120 |
| Noninterest income to average assets | 0.5188% | 3,903 |
| Noninterest expense to average assets | 3.7915% | 1,343 |
| Loan and lease loss provision to assets | 0.0994% | 5,639 |
| Net operating income to assets | 0.5663% | 4,050 |
| Return on assets (ROA) | 0.5663% | 4,195 |
| Pretax return on assets | 0.7609% | 4,022 |
| Return on Equity (ROE) | 6.7928% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.7928% | 2,220 |
| Net charge-offs to loans | 0.0167% | 5,345 |
| Credit loss provision to net charge-offs | 766.6667% | 587 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 458 |
| Efficiency ratio | 81.5056% | 2,349 |
| Assets per employee ($millions) | 2.3204% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 7,255 |
| Loan loss allowance to noncurrent loans | 63.5714% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 5,346 |
| Noncurrent loans to loans | 1.1749% | 5,013 |
| Net loans and leases to total assets | 76.4558% | 1,445 |
| Net loans and leases to deposits | 96.2850% | 1,074 |
| Net loans and leases to core deposits | 97.2763% | 2,427 |
| Total domestic deposits to total assets | 79.4057% | 5,987 |
| Equity capital to assets | 8.4166% | 6,137 |
| Core capital (leverage) ratio | 8.2404% | 5,848 |
| Tier 1 risk-based capital ratio | 12.8296% | 4,455 |
| Total risk-based capital ratio | 13.7361% | 4,715 |
| Memoranda: | ||
| Average total assets | $92,523,500 | 5,367 |
| Average earning assets | $84,807,000 | 5,343 |
| Average equity | $7,714,000 | 5,940 |
| Average total loans | $71,921,000 | 4,792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 4,119 |
| Cost of funding earning assets | 1.1908% | 6,684 |
| Net interest margin | 4.3138% | 1,678 |
| Noninterest income to average assets | 0.5275% | 4,200 |
| Noninterest expense to average assets | 3.5675% | 2,229 |
| Loan and lease loss provision to assets | 0.1593% | 6,089 |
| Net operating income to assets | 0.5705% | 3,441 |
| Return on assets (ROA) | 0.5705% | 3,519 |
| Pretax return on assets | 0.7589% | 3,382 |
| Return on Equity (ROE) | 7.1794% | 2,721 |
| Retained earnings to average equity (ytd only) | 4.7411% | 1,953 |
| Net charge-offs to loans | 0.1883% | 5,476 |
| Credit loss provision to net charge-offs | 109.6296% | 5,025 |
| Earnings coverage of net charge-offs (x) | 6.3185% | 2,387 |
| Efficiency ratio | 79.5296% | 2,951 |
| Assets per employee ($millions) | 2.3058% | 7,465 |
| Cash dividends to net income (ytd only)* | 33.9623% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 7,355 |
| Loan loss allowance to noncurrent loans | 71.6876% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 5,550 |
| Noncurrent loans to loans | 0.9911% | 5,334 |
| Net loans and leases to total assets | 77.8814% | 1,412 |
| Net loans and leases to deposits | 97.8770% | 1,117 |
| Net loans and leases to core deposits | 103.3109% | 3,648 |
| Total domestic deposits to total assets | 79.5706% | 5,823 |
| Equity capital to assets | 8.2576% | 6,265 |
| Core capital (leverage) ratio | 8.2004% | 5,810 |
| Tier 1 risk-based capital ratio | 12.5846% | 4,459 |
| Total risk-based capital ratio | 13.4556% | 4,728 |
| Memoranda: | ||
| Average total assets | $92,894,800 | 5,307 |
| Average earning assets | $85,238,200 | 5,291 |
| Average equity | $7,382,200 | 6,137 |
| Average total loans | $71,677,200 | 4,811 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 4,384 |
| Cost of funding earning assets | 1.2670% | 6,666 |
| Net interest margin | 4.2406% | 1,905 |
| Noninterest income to average assets | 0.5358% | 4,187 |
| Noninterest expense to average assets | 3.5230% | 2,219 |
| Loan and lease loss provision to assets | 0.1662% | 5,694 |
| Net operating income to assets | 0.5444% | 3,813 |
| Return on assets (ROA) | 0.5444% | 3,897 |
| Pretax return on assets | 0.7450% | 3,712 |
| Return on Equity (ROE) | 6.9179% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.4251% | 2,240 |
| Net charge-offs to loans | 0.1659% | 5,058 |
| Credit loss provision to net charge-offs | 130.3371% | 3,842 |
| Earnings coverage of net charge-offs (x) | 7.1463% | 2,463 |
| Efficiency ratio | 79.4507% | 2,931 |
| Assets per employee ($millions) | 2.2592% | 7,544 |
| Cash dividends to net income (ytd only)* | 21.5790% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 7,290 |
| Loan loss allowance to noncurrent loans | 109.0909% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 6,119 |
| Noncurrent loans to loans | 0.6768% | 5,946 |
| Net loans and leases to total assets | 78.5446% | 1,475 |
| Net loans and leases to deposits | 99.2547% | 1,184 |
| Net loans and leases to core deposits | 104.0229% | 3,934 |
| Total domestic deposits to total assets | 79.1344% | 5,755 |
| Equity capital to assets | 8.3889% | 6,401 |
| Core capital (leverage) ratio | 8.2105% | 5,993 |
| Tier 1 risk-based capital ratio | 12.7945% | 4,327 |
| Total risk-based capital ratio | 13.7103% | 4,528 |
| Memoranda: | ||
| Average total assets | $93,061,000 | 5,332 |
| Average earning assets | $85,552,500 | 5,314 |
| Average equity | $7,323,750 | 6,216 |
| Average total loans | $71,510,500 | 4,856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4477% | 4,908 |
| Cost of funding earning assets | 1.3654% | 6,600 |
| Net interest margin | 4.0823% | 2,385 |
| Noninterest income to average assets | 0.5109% | 4,351 |
| Noninterest expense to average assets | 3.4803% | 2,397 |
| Loan and lease loss provision to assets | 0.1000% | 6,173 |
| Net operating income to assets | 0.5024% | 4,080 |
| Return on assets (ROA) | 0.5024% | 4,200 |
| Pretax return on assets | 0.6854% | 4,050 |
| Return on Equity (ROE) | 6.5211% | 3,427 |
| Retained earnings to average equity (ytd only) | 4.2553% | 2,934 |
| Net charge-offs to loans | 0.1175% | 4,987 |
| Credit loss provision to net charge-offs | 111.9048% | 4,139 |
| Earnings coverage of net charge-offs (x) | 8.7857% | 2,218 |
| Efficiency ratio | 81.5868% | 2,779 |
| Assets per employee ($millions) | 2.2535% | 7,617 |
| Cash dividends to net income (ytd only)* | 34.7458% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 7,386 |
| Loan loss allowance to noncurrent loans | 97.3077% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 6,015 |
| Noncurrent loans to loans | 0.7342% | 5,775 |
| Net loans and leases to total assets | 76.1099% | 2,157 |
| Net loans and leases to deposits | 95.1106% | 1,934 |
| Net loans and leases to core deposits | 100.2495% | 4,486 |
| Total domestic deposits to total assets | 80.0225% | 5,470 |
| Equity capital to assets | 7.8230% | 6,950 |
| Core capital (leverage) ratio | 7.7161% | 6,730 |
| Tier 1 risk-based capital ratio | 12.5856% | 4,453 |
| Total risk-based capital ratio | 13.4661% | 4,654 |
| Memoranda: | ||
| Average total assets | $93,958,330 | 5,344 |
| Average earning assets | $86,422,000 | 5,322 |
| Average equity | $7,238,000 | 6,291 |
| Average total loans | $71,511,330 | 4,904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 4,881 |
| Cost of funding earning assets | 1.3721% | 6,808 |
| Net interest margin | 4.1346% | 2,143 |
| Noninterest income to average assets | 0.4940% | 4,375 |
| Noninterest expense to average assets | 3.5803% | 1,904 |
| Loan and lease loss provision to assets | 0.0507% | 6,334 |
| Net operating income to assets | 0.4898% | 4,471 |
| Return on assets (ROA) | 0.4898% | 4,661 |
| Pretax return on assets | 0.6671% | 4,535 |
| Return on Equity (ROE) | 6.4062% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.4062% | 2,459 |
| Net charge-offs to loans | 0.0056% | 5,614 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 252 |
| Efficiency ratio | 83.3006% | 2,378 |
| Assets per employee ($millions) | 2.2157% | 7,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 7,398 |
| Loan loss allowance to noncurrent loans | 79.8752% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,481 |
| Noncurrent loans to loans | 0.8944% | 5,217 |
| Net loans and leases to total assets | 74.6843% | 2,581 |
| Net loans and leases to deposits | 92.8518% | 2,461 |
| Net loans and leases to core deposits | 98.9666% | 4,649 |
| Total domestic deposits to total assets | 80.4339% | 5,195 |
| Equity capital to assets | 7.6745% | 7,200 |
| Core capital (leverage) ratio | 7.7608% | 6,802 |
| Tier 1 risk-based capital ratio | 12.2464% | 4,746 |
| Total risk-based capital ratio | 13.1178% | 4,974 |
| Memoranda: | ||
| Average total assets | $94,740,500 | 5,343 |
| Average earning assets | $87,166,500 | 5,313 |
| Average equity | $7,243,000 | 6,320 |
| Average total loans | $71,853,500 | 4,916 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 6,008 |
| Cost of funding earning assets | 1.8791% | 6,792 |
| Net interest margin | 4.0271% | 2,994 |
| Noninterest income to average assets | 0.4602% | 4,967 |
| Noninterest expense to average assets | 3.3251% | 2,881 |
| Loan and lease loss provision to assets | 0.1570% | 5,361 |
| Net operating income to assets | 0.4605% | 4,905 |
| Return on assets (ROA) | 0.4667% | 4,701 |
| Pretax return on assets | 0.6529% | 4,538 |
| Return on Equity (ROE) | 6.1359% | 3,889 |
| Retained earnings to average equity (ytd only) | 3.8011% | 2,767 |
| Net charge-offs to loans | 0.1098% | 5,178 |
| Credit loss provision to net charge-offs | 183.5443% | 2,714 |
| Earnings coverage of net charge-offs (x) | 9.3671% | 2,699 |
| Efficiency ratio | 80.5825% | 2,521 |
| Assets per employee ($millions) | 2.1908% | 7,726 |
| Cash dividends to net income (ytd only)* | 38.0510% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 7,440 |
| Loan loss allowance to noncurrent loans | 254.3147% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 6,738 |
| Noncurrent loans to loans | 0.2735% | 6,555 |
| Net loans and leases to total assets | 75.9384% | 2,640 |
| Net loans and leases to deposits | 93.2285% | 2,920 |
| Net loans and leases to core deposits | 99.8033% | 4,836 |
| Total domestic deposits to total assets | 81.4541% | 4,431 |
| Equity capital to assets | 7.6154% | 7,289 |
| Core capital (leverage) ratio | 7.6440% | 7,015 |
| Tier 1 risk-based capital ratio | 12.2541% | 4,621 |
| Total risk-based capital ratio | 13.1213% | 4,822 |
| Memoranda: | ||
| Average total assets | $92,359,200 | 5,281 |
| Average earning assets | $84,081,000 | 5,299 |
| Average equity | $7,024,200 | 6,444 |
| Average total loans | $71,930,600 | 4,799 |