Home > The Bank of Grain Valley > Performance and Condition Ratios
The Bank of Grain Valley, 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 | 4.7110% | 2,654 |
| Cost of funding earning assets | 0.5528% | 4,139 |
| Net interest margin | 4.1582% | 993 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.1001% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9962% | 471 |
| Return on assets (ROA) | 1.9962% | 454 |
| Pretax return on assets | 2.0069% | 664 |
| Return on Equity (ROE) | 10.5000% | 2,361 |
| Retained earnings to average equity (ytd only) | 3.6651% | 3,065 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.1346% | 3,900 |
| Assets per employee ($millions) | 7.9707% | 1,451 |
| Cash dividends to net income (ytd only)* | 65.0956% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,230 |
| 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 | 61.3000% | 2,729 |
| Net loans and leases to deposits | 76.4080% | 2,415 |
| Net loans and leases to core deposits | 77.1317% | 2,907 |
| Total domestic deposits to total assets | 80.2300% | 3,426 |
| Equity capital to assets | 19.6532% | 291 |
| Core capital (leverage) ratio | 20.3285% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $112,661,800 | 3,720 |
| Average earning assets | $110,167,600 | 3,648 |
| Average equity | $21,418,200 | 2,739 |
| Average total loans | $70,133,200 | 3,546 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 2,682 |
| Cost of funding earning assets | 0.5445% | 4,072 |
| Net interest margin | 4.0528% | 1,142 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 2.0720% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9327% | 544 |
| Return on assets (ROA) | 1.9327% | 536 |
| Pretax return on assets | 1.9433% | 812 |
| Return on Equity (ROE) | 10.2500% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.3440% | 2,523 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.6025% | 3,787 |
| Assets per employee ($millions) | 8.1978% | 1,257 |
| Cash dividends to net income (ytd only)* | 38.1185% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,301 |
| 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 | 59.8100% | 2,865 |
| Net loans and leases to deposits | 73.9582% | 2,566 |
| Net loans and leases to core deposits | 74.8558% | 2,936 |
| Total domestic deposits to total assets | 80.8700% | 3,405 |
| Equity capital to assets | 18.8797% | 316 |
| Core capital (leverage) ratio | 20.8772% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $112,929,750 | 3,730 |
| Average earning assets | $110,670,000 | 3,654 |
| Average equity | $21,290,000 | 2,738 |
| Average total loans | $70,315,250 | 3,552 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 2,469 |
| Cost of funding earning assets | 0.5336% | 3,916 |
| Net interest margin | 4.0418% | 1,171 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.1190% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8822% | 579 |
| Return on assets (ROA) | 1.8822% | 572 |
| Pretax return on assets | 1.8929% | 883 |
| Return on Equity (ROE) | 9.9900% | 2,700 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,598 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.8185% | 3,711 |
| Assets per employee ($millions) | 7.3939% | 1,672 |
| Cash dividends to net income (ytd only)* | 39.3567% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,379 |
| 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 | 61.6000% | 2,615 |
| Net loans and leases to deposits | 76.5278% | 2,256 |
| Net loans and leases to core deposits | 77.4940% | 2,658 |
| Total domestic deposits to total assets | 80.4900% | 3,505 |
| Equity capital to assets | 19.3032% | 301 |
| Core capital (leverage) ratio | 20.7931% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $112,316,667 | 3,745 |
| Average earning assets | $110,198,667 | 3,670 |
| Average equity | $21,164,000 | 2,759 |
| Average total loans | $70,538,667 | 3,552 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 2,362 |
| Cost of funding earning assets | 0.5092% | 3,655 |
| Net interest margin | 3.9724% | 1,320 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.0884% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8513% | 615 |
| Return on assets (ROA) | 1.8513% | 606 |
| Pretax return on assets | 1.8619% | 964 |
| Return on Equity (ROE) | 9.9400% | 2,804 |
| Retained earnings to average equity (ytd only) | 9.9423% | 1,716 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.8674% | 3,715 |
| Assets per employee ($millions) | 6.5466% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,424 |
| 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 | 63.0100% | 2,358 |
| Net loans and leases to deposits | 78.1626% | 1,956 |
| Net loans and leases to core deposits | 79.4719% | 2,290 |
| Total domestic deposits to total assets | 80.6100% | 3,691 |
| Equity capital to assets | 19.2808% | 257 |
| Core capital (leverage) ratio | 19.8219% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $113,003,500 | 3,792 |
| Average earning assets | $110,765,500 | 3,712 |
| Average equity | $21,041,500 | 2,792 |
| Average total loans | $71,147,500 | 3,585 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 1,794 |
| Cost of funding earning assets | 0.2009% | 3,753 |
| Net interest margin | 3.7689% | 1,227 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.9886% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7596% | 484 |
| Return on assets (ROA) | 1.7596% | 458 |
| Pretax return on assets | 1.7727% | 780 |
| Return on Equity (ROE) | 9.5700% | 2,949 |
| Retained earnings to average equity (ytd only) | 2.9253% | 3,740 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.8698% | 3,900 |
| Assets per employee ($millions) | 6.7479% | 2,156 |
| Cash dividends to net income (ytd only)* | 69.4264% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,329 |
| 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 | 61.1100% | 2,539 |
| Net loans and leases to deposits | 74.5655% | 2,209 |
| Net loans and leases to core deposits | 75.7458% | 2,438 |
| Total domestic deposits to total assets | 81.9600% | 3,637 |
| Equity capital to assets | 17.9793% | 293 |
| Core capital (leverage) ratio | 19.6332% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $113,947,400 | 3,790 |
| Average earning assets | $111,491,400 | 3,707 |
| Average equity | $20,954,800 | 2,862 |
| Average total loans | $72,374,600 | 3,536 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 1,630 |
| Cost of funding earning assets | 0.1773% | 3,547 |
| Net interest margin | 3.6675% | 1,225 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.9339% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7183% | 508 |
| Return on assets (ROA) | 1.7183% | 497 |
| Pretax return on assets | 1.7300% | 848 |
| Return on Equity (ROE) | 9.2900% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.3428% | 2,980 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.7831% | 3,944 |
| Assets per employee ($millions) | 6.7594% | 2,127 |
| Cash dividends to net income (ytd only)* | 42.4966% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 1,653 |
| 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 | 63.9800% | 2,089 |
| Net loans and leases to deposits | 78.2183% | 1,690 |
| Net loans and leases to core deposits | 79.4636% | 1,940 |
| Total domestic deposits to total assets | 81.7900% | 3,872 |
| Equity capital to assets | 18.0411% | 273 |
| Core capital (leverage) ratio | 19.4633% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $113,755,500 | 3,813 |
| Average earning assets | $111,316,250 | 3,735 |
| Average equity | $21,037,250 | 2,895 |
| Average total loans | $72,683,500 | 3,539 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 1,634 |
| Cost of funding earning assets | 0.1762% | 3,226 |
| Net interest margin | 3.4887% | 1,347 |
| Noninterest income to average assets | 0.0864% | 4,538 |
| Noninterest expense to average assets | 1.8894% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6089% | 539 |
| Return on assets (ROA) | 1.6089% | 521 |
| Pretax return on assets | 1.6195% | 903 |
| Return on Equity (ROE) | 8.6285% | 2,813 |
| Retained earnings to average equity (ytd only) | 4.6927% | 2,819 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 3,977 |
| Assets per employee ($millions) | 6.4032% | 2,385 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,690 |
| 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 | 62.4781% | 2,070 |
| Net loans and leases to deposits | 76.3986% | 1,657 |
| Net loans and leases to core deposits | 77.6114% | 1,884 |
| Total domestic deposits to total assets | 81.7791% | 4,038 |
| Equity capital to assets | 18.1107% | 221 |
| Core capital (leverage) ratio | 19.6877% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,370,667 | 3,863 |
| Average earning assets | $111,216,667 | 3,790 |
| Average equity | $21,139,333 | 2,962 |
| Average total loans | $72,061,667 | 3,583 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 1,429 |
| Cost of funding earning assets | 0.1778% | 3,112 |
| Net interest margin | 3.4504% | 1,187 |
| Noninterest income to average assets | 0.1103% | 4,456 |
| Noninterest expense to average assets | 1.8786% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6046% | 500 |
| Return on assets (ROA) | 1.6046% | 500 |
| Pretax return on assets | 1.6153% | 804 |
| Return on Equity (ROE) | 8.4806% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.4806% | 1,431 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7678% | 4,073 |
| Assets per employee ($millions) | 7.3630% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,756 |
| 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 | 64.0264% | 1,615 |
| Net loans and leases to deposits | 79.2918% | 1,194 |
| Net loans and leases to core deposits | 80.6216% | 1,441 |
| Total domestic deposits to total assets | 80.7479% | 4,223 |
| Equity capital to assets | 19.1815% | 192 |
| Core capital (leverage) ratio | 19.6679% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,427,000 | 3,889 |
| Average earning assets | $110,247,000 | 3,817 |
| Average equity | $21,272,000 | 3,037 |
| Average total loans | $71,570,000 | 3,592 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 1,476 |
| Cost of funding earning assets | 0.1796% | 3,661 |
| Net interest margin | 3.7745% | 1,065 |
| Noninterest income to average assets | 0.1105% | 4,562 |
| Noninterest expense to average assets | 1.9787% | 3,743 |
| Loan and lease loss provision to assets | 0.0929% | 1,343 |
| Net operating income to assets | 1.7178% | 607 |
| Return on assets (ROA) | 1.7178% | 629 |
| Pretax return on assets | 1.7261% | 1,081 |
| Return on Equity (ROE) | 8.6740% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.3102% | 3,491 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1027% | 4,109 |
| Assets per employee ($millions) | 7.6273% | 1,538 |
| Cash dividends to net income (ytd only)* | 61.8378% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,737 |
| 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 | 61.4969% | 2,001 |
| Net loans and leases to deposits | 75.6603% | 1,591 |
| Net loans and leases to core deposits | 76.8688% | 1,852 |
| Total domestic deposits to total assets | 81.2803% | 4,068 |
| Equity capital to assets | 18.6690% | 232 |
| Core capital (leverage) ratio | 18.7768% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,698,000 | 3,914 |
| Average earning assets | $105,206,400 | 3,852 |
| Average equity | $21,328,200 | 3,110 |
| Average total loans | $65,688,800 | 3,731 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 1,280 |
| Cost of funding earning assets | 0.1779% | 3,843 |
| Net interest margin | 3.9341% | 879 |
| Noninterest income to average assets | 0.1056% | 4,649 |
| Noninterest expense to average assets | 1.9958% | 3,688 |
| Loan and lease loss provision to assets | 0.0943% | 1,263 |
| Net operating income to assets | 1.8436% | 615 |
| Return on assets (ROA) | 1.8436% | 644 |
| Pretax return on assets | 1.8537% | 1,037 |
| Return on Equity (ROE) | 9.1678% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.2655% | 3,114 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6059% | 4,165 |
| Assets per employee ($millions) | 7.2827% | 1,689 |
| Cash dividends to net income (ytd only)* | 42.5648% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,962 |
| 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 | 64.3354% | 1,728 |
| Net loans and leases to deposits | 80.3329% | 1,256 |
| Net loans and leases to core deposits | 81.7067% | 1,595 |
| Total domestic deposits to total assets | 80.0860% | 4,215 |
| Equity capital to assets | 19.7657% | 205 |
| Core capital (leverage) ratio | 19.8116% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,020,250 | 3,982 |
| Average earning assets | $103,434,000 | 3,919 |
| Average equity | $21,320,500 | 3,142 |
| Average total loans | $64,263,000 | 3,812 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 1,004 |
| Cost of funding earning assets | 0.1755% | 3,989 |
| Net interest margin | 4.1266% | 660 |
| Noninterest income to average assets | 0.1086% | 4,661 |
| Noninterest expense to average assets | 2.0315% | 3,599 |
| Loan and lease loss provision to assets | 0.0953% | 1,318 |
| Net operating income to assets | 2.0048% | 484 |
| Return on assets (ROA) | 2.0048% | 508 |
| Pretax return on assets | 2.0144% | 822 |
| Return on Equity (ROE) | 9.9105% | 2,774 |
| Retained earnings to average equity (ytd only) | 5.9915% | 2,806 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0566% | 4,319 |
| Assets per employee ($millions) | 7.1991% | 1,662 |
| Cash dividends to net income (ytd only)* | 39.5437% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,642 |
| 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 | 60.4351% | 2,377 |
| Net loans and leases to deposits | 75.4701% | 1,875 |
| Net loans and leases to core deposits | 76.7761% | 2,162 |
| Total domestic deposits to total assets | 80.0782% | 4,224 |
| Equity capital to assets | 19.8144% | 202 |
| Core capital (leverage) ratio | 19.9079% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,947,000 | 4,013 |
| Average earning assets | $102,553,667 | 3,944 |
| Average equity | $21,230,000 | 3,152 |
| Average total loans | $61,921,000 | 3,864 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 470 |
| Cost of funding earning assets | 0.1779% | 4,097 |
| Net interest margin | 4.6499% | 287 |
| Noninterest income to average assets | 0.0851% | 4,747 |
| Noninterest expense to average assets | 1.9763% | 3,792 |
| Loan and lease loss provision to assets | 0.1934% | 635 |
| Net operating income to assets | 2.4520% | 285 |
| Return on assets (ROA) | 2.4520% | 309 |
| Pretax return on assets | 2.4636% | 460 |
| Return on Equity (ROE) | 11.9925% | 2,016 |
| Retained earnings to average equity (ytd only) | 11.9925% | 1,148 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6544% | 4,648 |
| Assets per employee ($millions) | 7.0575% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.3998% | 2,487 |
| Net loans and leases to deposits | 75.7846% | 1,934 |
| Net loans and leases to core deposits | 77.1275% | 2,255 |
| Total domestic deposits to total assets | 79.6992% | 4,239 |
| Equity capital to assets | 20.2337% | 178 |
| Core capital (leverage) ratio | 20.4427% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,427,000 | 4,034 |
| Average earning assets | $101,163,500 | 3,969 |
| Average equity | $21,146,500 | 3,146 |
| Average total loans | $59,758,500 | 3,922 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 3,237 |
| Cost of funding earning assets | 0.2072% | 4,559 |
| Net interest margin | 3.6167% | 2,086 |
| Noninterest income to average assets | 0.1139% | 4,692 |
| Noninterest expense to average assets | 2.1052% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5184% | 773 |
| Return on assets (ROA) | 1.5184% | 839 |
| Pretax return on assets | 1.5285% | 1,248 |
| Return on Equity (ROE) | 7.2362% | 3,100 |
| Retained earnings to average equity (ytd only) | 1.7202% | 3,939 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9356% | 3,731 |
| Assets per employee ($millions) | 6.7327% | 1,759 |
| Cash dividends to net income (ytd only)* | 76.2284% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 1,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.1315% | 3,570 |
| Net loans and leases to deposits | 67.0247% | 3,179 |
| Net loans and leases to core deposits | 68.5357% | 3,370 |
| Total domestic deposits to total assets | 79.2714% | 4,171 |
| Equity capital to assets | 20.6682% | 173 |
| Core capital (leverage) ratio | 20.3000% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,182,200 | 4,011 |
| Average earning assets | $96,524,200 | 3,935 |
| Average equity | $20,812,000 | 3,112 |
| Average total loans | $56,255,400 | 3,976 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,070 |
| Cost of funding earning assets | 0.2140% | 4,621 |
| Net interest margin | 3.7532% | 1,752 |
| Noninterest income to average assets | 0.1067% | 4,734 |
| Noninterest expense to average assets | 2.1486% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5962% | 732 |
| Return on assets (ROA) | 1.5962% | 803 |
| Pretax return on assets | 1.6057% | 1,168 |
| Return on Equity (ROE) | 7.5779% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.0453% | 3,503 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2302% | 3,768 |
| Assets per employee ($millions) | 6.8961% | 1,569 |
| Cash dividends to net income (ytd only)* | 59.8139% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 51.4274% | 4,001 |
| Net loans and leases to deposits | 64.6678% | 3,742 |
| Net loans and leases to core deposits | 65.8778% | 3,896 |
| Total domestic deposits to total assets | 79.5255% | 3,958 |
| Equity capital to assets | 20.3169% | 196 |
| Core capital (leverage) ratio | 20.4111% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,730,000 | 4,007 |
| Average earning assets | $95,950,000 | 3,937 |
| Average equity | $20,796,750 | 3,111 |
| Average total loans | $56,671,250 | 3,991 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 2,641 |
| Cost of funding earning assets | 0.2202% | 4,705 |
| Net interest margin | 4.0182% | 1,273 |
| Noninterest income to average assets | 0.1153% | 4,720 |
| Noninterest expense to average assets | 2.2314% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7826% | 520 |
| Return on assets (ROA) | 1.7826% | 568 |
| Pretax return on assets | 1.7909% | 828 |
| Return on Equity (ROE) | 8.3576% | 2,611 |
| Retained earnings to average equity (ytd only) | 3.5515% | 3,153 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4759% | 4,006 |
| Assets per employee ($millions) | 6.5572% | 1,736 |
| Cash dividends to net income (ytd only)* | 57.5058% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 1,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.6260% | 3,720 |
| Net loans and leases to deposits | 69.6063% | 3,449 |
| Net loans and leases to core deposits | 70.8837% | 3,649 |
| Total domestic deposits to total assets | 79.9152% | 3,858 |
| Equity capital to assets | 19.9609% | 215 |
| Core capital (leverage) ratio | 21.1027% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,159,667 | 4,034 |
| Average earning assets | $94,469,333 | 3,963 |
| Average equity | $20,723,667 | 3,109 |
| Average total loans | $57,518,000 | 3,988 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 3,357 |
| Cost of funding earning assets | 0.2469% | 4,781 |
| Net interest margin | 3.9100% | 1,647 |
| Noninterest income to average assets | 0.1544% | 4,603 |
| Noninterest expense to average assets | 2.2813% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6723% | 541 |
| Return on assets (ROA) | 1.6723% | 596 |
| Pretax return on assets | 1.6766% | 898 |
| Return on Equity (ROE) | 7.5675% | 2,702 |
| Retained earnings to average equity (ytd only) | 3.9584% | 2,697 |
| Net charge-offs to loans | 0.0212% | 1,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 130.3333% | 478 |
| Efficiency ratio | 57.6381% | 4,051 |
| Assets per employee ($millions) | 5.3564% | 2,266 |
| Cash dividends to net income (ytd only)* | 47.6923% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 61.2939% | 3,374 |
| Net loans and leases to deposits | 79.5000% | 2,732 |
| Net loans and leases to core deposits | 81.2464% | 3,089 |
| Total domestic deposits to total assets | 77.0992% | 4,339 |
| Equity capital to assets | 22.8173% | 155 |
| Core capital (leverage) ratio | 22.7514% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0041% | 150 |
| Memoranda: | ||
| Average total assets | $93,282,000 | 4,083 |
| Average earning assets | $90,741,500 | 4,014 |
| Average equity | $20,614,500 | 3,108 |
| Average total loans | $56,630,000 | 4,019 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 3,207 |
| Cost of funding earning assets | 0.2427% | 4,866 |
| Net interest margin | 4.1721% | 1,371 |
| Noninterest income to average assets | 0.0788% | 4,976 |
| Noninterest expense to average assets | 2.3232% | 3,888 |
| Loan and lease loss provision to assets | 0.0216% | 3,594 |
| Net operating income to assets | 1.7686% | 562 |
| Return on assets (ROA) | 1.7686% | 599 |
| Pretax return on assets | 1.7783% | 996 |
| Return on Equity (ROE) | 8.0879% | 3,131 |
| Retained earnings to average equity (ytd only) | 2.5265% | 3,764 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3465% | 4,167 |
| Assets per employee ($millions) | 5.6180% | 1,957 |
| Cash dividends to net income (ytd only)* | 68.7614% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 58.1974% | 3,756 |
| Net loans and leases to deposits | 74.1103% | 3,346 |
| Net loans and leases to core deposits | 75.2685% | 3,626 |
| Total domestic deposits to total assets | 78.5281% | 4,274 |
| Equity capital to assets | 21.4144% | 193 |
| Core capital (leverage) ratio | 22.0818% | 172 |
| Tier 1 risk-based capital ratio | 38.3261% | 269 |
| Total risk-based capital ratio | 39.5837% | 264 |
| Memoranda: | ||
| Average total assets | $92,673,000 | 4,102 |
| Average earning assets | $89,835,200 | 4,044 |
| Average equity | $20,264,800 | 3,108 |
| Average total loans | $55,590,400 | 4,064 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 3,171 |
| Cost of funding earning assets | 0.2412% | 4,943 |
| Net interest margin | 4.2212% | 1,323 |
| Noninterest income to average assets | 0.0942% | 5,009 |
| Noninterest expense to average assets | 2.3008% | 3,948 |
| Loan and lease loss provision to assets | 0.0290% | 3,324 |
| Net operating income to assets | 1.8369% | 571 |
| Return on assets (ROA) | 1.8369% | 597 |
| Pretax return on assets | 1.8499% | 981 |
| Return on Equity (ROE) | 8.3554% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.2074% | 3,295 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0468% | 4,279 |
| Assets per employee ($millions) | 5.5195% | 2,012 |
| Cash dividends to net income (ytd only)* | 49.6451% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 56.3428% | 4,026 |
| Net loans and leases to deposits | 72.3076% | 3,598 |
| Net loans and leases to core deposits | 73.4672% | 3,858 |
| Total domestic deposits to total assets | 77.9209% | 4,359 |
| Equity capital to assets | 21.9213% | 186 |
| Core capital (leverage) ratio | 22.6089% | 165 |
| Tier 1 risk-based capital ratio | 39.2136% | 258 |
| Total risk-based capital ratio | 40.4696% | 255 |
| Memoranda: | ||
| Average total assets | $91,964,750 | 4,163 |
| Average earning assets | $89,009,000 | 4,107 |
| Average equity | $20,218,000 | 3,133 |
| Average total loans | $55,359,000 | 4,116 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 2,940 |
| Cost of funding earning assets | 0.2414% | 4,978 |
| Net interest margin | 4.2816% | 1,181 |
| Noninterest income to average assets | 0.0788% | 5,102 |
| Noninterest expense to average assets | 2.3472% | 3,876 |
| Loan and lease loss provision to assets | 0.0438% | 2,949 |
| Net operating income to assets | 1.8305% | 559 |
| Return on assets (ROA) | 1.8305% | 585 |
| Pretax return on assets | 1.8436% | 944 |
| Return on Equity (ROE) | 8.3180% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.1490% | 3,170 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4292% | 4,317 |
| Assets per employee ($millions) | 4.8624% | 2,647 |
| Cash dividends to net income (ytd only)* | 50.1196% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.8078% | 3,752 |
| Net loans and leases to deposits | 76.8110% | 3,261 |
| Net loans and leases to core deposits | 78.0633% | 3,575 |
| Total domestic deposits to total assets | 77.8635% | 4,424 |
| Equity capital to assets | 22.0152% | 177 |
| Core capital (leverage) ratio | 22.2396% | 166 |
| Tier 1 risk-based capital ratio | 38.0495% | 272 |
| Total risk-based capital ratio | 39.3058% | 265 |
| Memoranda: | ||
| Average total assets | $91,342,670 | 4,197 |
| Average earning assets | $88,658,670 | 4,137 |
| Average equity | $20,101,000 | 3,138 |
| Average total loans | $55,878,330 | 4,127 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 2,520 |
| Cost of funding earning assets | 0.2413% | 5,009 |
| Net interest margin | 4.3622% | 986 |
| Noninterest income to average assets | 0.0925% | 5,107 |
| Noninterest expense to average assets | 2.3431% | 3,913 |
| Loan and lease loss provision to assets | 0.0661% | 2,344 |
| Net operating income to assets | 1.8894% | 467 |
| Return on assets (ROA) | 1.8894% | 484 |
| Pretax return on assets | 1.9026% | 795 |
| Return on Equity (ROE) | 8.5877% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.5877% | 1,454 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3412% | 4,506 |
| Assets per employee ($millions) | 5.0584% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 1,019 |
| 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 | 61.8833% | 3,517 |
| Net loans and leases to deposits | 79.6613% | 2,879 |
| Net loans and leases to core deposits | 80.9813% | 3,275 |
| Total domestic deposits to total assets | 77.6831% | 4,568 |
| Equity capital to assets | 22.2411% | 168 |
| Core capital (leverage) ratio | 21.7967% | 175 |
| Tier 1 risk-based capital ratio | 35.7055% | 305 |
| Total risk-based capital ratio | 36.9592% | 300 |
| Memoranda: | ||
| Average total assets | $90,821,000 | 4,249 |
| Average earning assets | $87,845,500 | 4,184 |
| Average equity | $19,982,000 | 3,160 |
| Average total loans | $55,723,500 | 4,174 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,934 |
| Cost of funding earning assets | 0.1686% | 5,122 |
| Net interest margin | 3.8661% | 2,438 |
| Noninterest income to average assets | 0.0918% | 5,176 |
| Noninterest expense to average assets | 2.2360% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6098% | 849 |
| Return on assets (ROA) | 1.6098% | 841 |
| Pretax return on assets | 1.6195% | 1,405 |
| Return on Equity (ROE) | 7.6497% | 3,596 |
| Retained earnings to average equity (ytd only) | 2.6063% | 4,096 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9950% | 4,159 |
| Assets per employee ($millions) | 5.3288% | 2,121 |
| Cash dividends to net income (ytd only)* | 65.9289% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 855 |
| 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 | 58.7902% | 3,894 |
| Net loans and leases to deposits | 75.1934% | 3,414 |
| Net loans and leases to core deposits | 76.4454% | 3,683 |
| Total domestic deposits to total assets | 78.1852% | 4,459 |
| Equity capital to assets | 21.7607% | 176 |
| Core capital (leverage) ratio | 21.6652% | 172 |
| Tier 1 risk-based capital ratio | 36.1454% | 294 |
| Total risk-based capital ratio | 37.4001% | 290 |
| Memoranda: | ||
| Average total assets | $92,620,800 | 4,227 |
| Average earning assets | $90,167,800 | 4,141 |
| Average equity | $19,491,000 | 3,135 |
| Average total loans | $52,379,000 | 4,254 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 4,036 |
| Cost of funding earning assets | 0.1603% | 5,189 |
| Net interest margin | 3.8043% | 2,634 |
| Noninterest income to average assets | 0.1031% | 5,205 |
| Noninterest expense to average assets | 2.1747% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6235% | 914 |
| Return on assets (ROA) | 1.6235% | 916 |
| Pretax return on assets | 1.6321% | 1,482 |
| Return on Equity (ROE) | 7.7794% | 3,632 |
| Retained earnings to average equity (ytd only) | 3.7319% | 3,903 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1267% | 4,239 |
| Assets per employee ($millions) | 5.4824% | 1,928 |
| Cash dividends to net income (ytd only)* | 52.0285% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.2311% | 4,111 |
| Net loans and leases to deposits | 72.6119% | 3,718 |
| Net loans and leases to core deposits | 74.3612% | 3,923 |
| Total domestic deposits to total assets | 78.8178% | 4,355 |
| Equity capital to assets | 21.0448% | 191 |
| Core capital (leverage) ratio | 21.5283% | 175 |
| Tier 1 risk-based capital ratio | 35.7033% | 309 |
| Total risk-based capital ratio | 36.9584% | 305 |
| Memoranda: | ||
| Average total assets | $93,128,500 | 4,260 |
| Average earning assets | $90,666,000 | 4,174 |
| Average equity | $19,435,500 | 3,160 |
| Average total loans | $51,930,750 | 4,313 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 4,136 |
| Cost of funding earning assets | 0.1499% | 5,244 |
| Net interest margin | 3.7262% | 2,839 |
| Noninterest income to average assets | 0.1117% | 5,226 |
| Noninterest expense to average assets | 2.1761% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5574% | 1,019 |
| Return on assets (ROA) | 1.5574% | 1,021 |
| Pretax return on assets | 1.5660% | 1,616 |
| Return on Equity (ROE) | 7.4835% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.4269% | 3,865 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1515% | 4,205 |
| Assets per employee ($millions) | 5.4040% | 1,993 |
| Cash dividends to net income (ytd only)* | 54.2069% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.4752% | 3,952 |
| Net loans and leases to deposits | 74.2615% | 3,508 |
| Net loans and leases to core deposits | 76.0777% | 3,741 |
| Total domestic deposits to total assets | 78.7423% | 4,471 |
| Equity capital to assets | 21.1521% | 185 |
| Core capital (leverage) ratio | 21.5815% | 173 |
| Tier 1 risk-based capital ratio | 35.7700% | 317 |
| Total risk-based capital ratio | 37.0245% | 306 |
| Memoranda: | ||
| Average total assets | $93,104,330 | 4,297 |
| Average earning assets | $90,710,000 | 4,212 |
| Average equity | $19,376,000 | 3,186 |
| Average total loans | $51,156,330 | 4,372 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,372 |
| Cost of funding earning assets | 0.1489% | 5,274 |
| Net interest margin | 3.5965% | 3,196 |
| Noninterest income to average assets | 0.1280% | 5,225 |
| Noninterest expense to average assets | 2.1425% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4810% | 1,123 |
| Return on assets (ROA) | 1.4810% | 1,123 |
| Pretax return on assets | 1.4895% | 1,704 |
| Return on Equity (ROE) | 7.1739% | 3,712 |
| Retained earnings to average equity (ytd only) | 7.1739% | 2,196 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9894% | 4,221 |
| Assets per employee ($millions) | 5.4761% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 53.0453% | 4,368 |
| Net loans and leases to deposits | 67.1389% | 4,013 |
| Net loans and leases to core deposits | 68.7523% | 4,174 |
| Total domestic deposits to total assets | 79.0083% | 4,576 |
| Equity capital to assets | 20.9208% | 185 |
| Core capital (leverage) ratio | 21.1348% | 178 |
| Tier 1 risk-based capital ratio | 36.4728% | 291 |
| Total risk-based capital ratio | 37.7289% | 285 |
| Memoranda: | ||
| Average total assets | $93,722,500 | 4,335 |
| Average earning assets | $91,310,000 | 4,245 |
| Average equity | $19,348,000 | 3,217 |
| Average total loans | $49,417,500 | 4,454 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 4,064 |
| Cost of funding earning assets | 0.1508% | 5,258 |
| Net interest margin | 3.6434% | 3,009 |
| Noninterest income to average assets | 0.1237% | 5,326 |
| Noninterest expense to average assets | 2.1477% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5171% | 771 |
| Return on assets (ROA) | 1.5171% | 783 |
| Pretax return on assets | 1.5204% | 1,560 |
| Return on Equity (ROE) | 7.2618% | 3,147 |
| Retained earnings to average equity (ytd only) | 2.6616% | 3,731 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5497% | 4,466 |
| Assets per employee ($millions) | 5.5501% | 1,889 |
| Cash dividends to net income (ytd only)* | 63.3478% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 50.4764% | 4,619 |
| Net loans and leases to deposits | 63.4281% | 4,359 |
| Net loans and leases to core deposits | 64.6543% | 4,488 |
| Total domestic deposits to total assets | 79.5805% | 4,422 |
| Equity capital to assets | 20.3707% | 195 |
| Core capital (leverage) ratio | 20.2558% | 193 |
| Tier 1 risk-based capital ratio | 36.7185% | 280 |
| Total risk-based capital ratio | 37.9735% | 275 |
| Memoranda: | ||
| Average total assets | $91,355,600 | 4,403 |
| Average earning assets | $88,873,200 | 4,313 |
| Average equity | $19,086,200 | 3,235 |
| Average total loans | $48,561,800 | 4,499 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,053 |
| Cost of funding earning assets | 0.1513% | 5,305 |
| Net interest margin | 3.6361% | 3,013 |
| Noninterest income to average assets | 0.1324% | 5,342 |
| Noninterest expense to average assets | 2.1205% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5436% | 812 |
| Return on assets (ROA) | 1.5436% | 834 |
| Pretax return on assets | 1.5480% | 1,586 |
| Return on Equity (ROE) | 7.3408% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.4920% | 3,838 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8018% | 4,533 |
| Assets per employee ($millions) | 5.5388% | 1,887 |
| Cash dividends to net income (ytd only)* | 52.4313% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 49.0043% | 4,768 |
| Net loans and leases to deposits | 61.7458% | 4,533 |
| Net loans and leases to core deposits | 62.9530% | 4,654 |
| Total domestic deposits to total assets | 79.3647% | 4,469 |
| Equity capital to assets | 20.5079% | 206 |
| Core capital (leverage) ratio | 21.0243% | 173 |
| Tier 1 risk-based capital ratio | 38.0587% | 254 |
| Total risk-based capital ratio | 39.3149% | 248 |
| Memoranda: | ||
| Average total assets | $90,606,750 | 4,458 |
| Average earning assets | $88,115,000 | 4,372 |
| Average equity | $19,052,750 | 3,266 |
| Average total loans | $48,567,500 | 4,541 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 3,861 |
| Cost of funding earning assets | 0.1543% | 5,313 |
| Net interest margin | 3.6536% | 2,824 |
| Noninterest income to average assets | 0.1543% | 5,288 |
| Noninterest expense to average assets | 2.2097% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4851% | 897 |
| Return on assets (ROA) | 1.4851% | 916 |
| Pretax return on assets | 1.4918% | 1,682 |
| Return on Equity (ROE) | 7.0016% | 3,552 |
| Retained earnings to average equity (ytd only) | 3.1318% | 3,843 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6979% | 4,360 |
| Assets per employee ($millions) | 5.6101% | 1,780 |
| Cash dividends to net income (ytd only)* | 55.2711% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8281% | 837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 54.6802% | 4,343 |
| Net loans and leases to deposits | 69.5616% | 3,941 |
| Net loans and leases to core deposits | 71.0026% | 4,161 |
| Total domestic deposits to total assets | 78.6068% | 4,707 |
| Equity capital to assets | 21.2874% | 172 |
| Core capital (leverage) ratio | 21.6365% | 145 |
| Tier 1 risk-based capital ratio | 35.7260% | 291 |
| Total risk-based capital ratio | 36.9810% | 284 |
| Memoranda: | ||
| Average total assets | $89,422,670 | 4,507 |
| Average earning assets | $86,817,330 | 4,421 |
| Average equity | $18,967,000 | 3,280 |
| Average total loans | $49,071,330 | 4,550 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 4,089 |
| Cost of funding earning assets | 0.1569% | 5,321 |
| Net interest margin | 3.5539% | 3,067 |
| Noninterest income to average assets | 0.1703% | 5,256 |
| Noninterest expense to average assets | 2.2543% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3535% | 1,107 |
| Return on assets (ROA) | 1.3535% | 1,144 |
| Pretax return on assets | 1.3669% | 1,999 |
| Return on Equity (ROE) | 6.3927% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.3927% | 2,138 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2525% | 4,115 |
| Assets per employee ($millions) | 5.5261% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 54.8361% | 4,266 |
| Net loans and leases to deposits | 69.9973% | 3,795 |
| Net loans and leases to core deposits | 71.4738% | 4,032 |
| Total domestic deposits to total assets | 78.3404% | 4,928 |
| Equity capital to assets | 21.5816% | 156 |
| Core capital (leverage) ratio | 21.2489% | 157 |
| Tier 1 risk-based capital ratio | 35.8367% | 308 |
| Total risk-based capital ratio | 37.0915% | 299 |
| Memoranda: | ||
| Average total assets | $89,253,000 | 4,556 |
| Average earning assets | $86,665,500 | 4,464 |
| Average equity | $18,896,500 | 3,301 |
| Average total loans | $48,609,000 | 4,605 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 4,620 |
| Cost of funding earning assets | 0.1566% | 5,376 |
| Net interest margin | 3.4007% | 3,826 |
| Noninterest income to average assets | 0.1376% | 5,503 |
| Noninterest expense to average assets | 2.0959% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3431% | 1,110 |
| Return on assets (ROA) | 1.3442% | 1,167 |
| Pretax return on assets | 1.3510% | 2,100 |
| Return on Equity (ROE) | 6.3122% | 3,838 |
| Retained earnings to average equity (ytd only) | 2.0453% | 4,376 |
| Net charge-offs to loans | 0.0365% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 69.8235% | 795 |
| Efficiency ratio | 60.8251% | 4,452 |
| Assets per employee ($millions) | 5.6305% | 1,763 |
| Cash dividends to net income (ytd only)* | 67.5973% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9114% | 788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.0658% | 4,603 |
| Net loans and leases to deposits | 65.7587% | 4,264 |
| Net loans and leases to core deposits | 67.1251% | 4,459 |
| Total domestic deposits to total assets | 79.1770% | 4,757 |
| Equity capital to assets | 20.7697% | 185 |
| Core capital (leverage) ratio | 21.2242% | 162 |
| Tier 1 risk-based capital ratio | 36.9306% | 278 |
| Total risk-based capital ratio | 38.1857% | 274 |
| Memoranda: | ||
| Average total assets | $87,932,000 | 4,583 |
| Average earning assets | $85,541,600 | 4,484 |
| Average equity | $18,725,600 | 3,311 |
| Average total loans | $46,565,800 | 4,677 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 4,648 |
| Cost of funding earning assets | 0.1582% | 5,424 |
| Net interest margin | 3.4063% | 3,817 |
| Noninterest income to average assets | 0.1541% | 5,502 |
| Noninterest expense to average assets | 2.0993% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3639% | 1,134 |
| Return on assets (ROA) | 1.3654% | 1,205 |
| Pretax return on assets | 1.3746% | 2,142 |
| Return on Equity (ROE) | 6.3713% | 3,896 |
| Retained earnings to average equity (ytd only) | 2.7336% | 4,256 |
| Net charge-offs to loans | 0.0490% | 2,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 52.9321% | 1,033 |
| Efficiency ratio | 60.4569% | 4,469 |
| Assets per employee ($millions) | 5.4738% | 1,879 |
| Cash dividends to net income (ytd only)* | 57.0954% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.1207% | 4,724 |
| Net loans and leases to deposits | 65.3129% | 4,398 |
| Net loans and leases to core deposits | 66.4914% | 4,573 |
| Total domestic deposits to total assets | 78.2704% | 4,859 |
| Equity capital to assets | 21.5960% | 178 |
| Core capital (leverage) ratio | 21.6165% | 146 |
| Tier 1 risk-based capital ratio | 38.6766% | 251 |
| Total risk-based capital ratio | 39.9342% | 249 |
| Memoranda: | ||
| Average total assets | $87,393,000 | 4,627 |
| Average earning assets | $85,134,000 | 4,528 |
| Average equity | $18,729,250 | 3,334 |
| Average total loans | $46,252,500 | 4,725 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,713 |
| Cost of funding earning assets | 0.1624% | 5,473 |
| Net interest margin | 3.3955% | 3,915 |
| Noninterest income to average assets | 0.1466% | 5,574 |
| Noninterest expense to average assets | 2.0886% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3489% | 1,169 |
| Return on assets (ROA) | 1.3512% | 1,235 |
| Pretax return on assets | 1.3649% | 2,148 |
| Return on Equity (ROE) | 6.3211% | 3,895 |
| Retained earnings to average equity (ytd only) | 2.6677% | 4,202 |
| Net charge-offs to loans | 0.0732% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,261 |
| Efficiency ratio | 60.5176% | 4,575 |
| Assets per employee ($millions) | 5.5051% | 1,797 |
| Cash dividends to net income (ytd only)* | 57.7966% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.5565% | 4,711 |
| Net loans and leases to deposits | 65.6584% | 4,374 |
| Net loans and leases to core deposits | 66.8315% | 4,553 |
| Total domestic deposits to total assets | 78.5223% | 4,894 |
| Equity capital to assets | 21.3676% | 173 |
| Core capital (leverage) ratio | 22.0436% | 132 |
| Tier 1 risk-based capital ratio | 38.2565% | 258 |
| Total risk-based capital ratio | 39.5129% | 255 |
| Memoranda: | ||
| Average total assets | $87,330,330 | 4,667 |
| Average earning assets | $84,994,000 | 4,565 |
| Average equity | $18,667,670 | 3,343 |
| Average total loans | $46,441,330 | 4,757 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,804 |
| Cost of funding earning assets | 0.1698% | 5,467 |
| Net interest margin | 3.3636% | 3,996 |
| Noninterest income to average assets | 0.1518% | 5,581 |
| Noninterest expense to average assets | 2.0792% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3387% | 1,154 |
| Return on assets (ROA) | 1.3432% | 1,221 |
| Pretax return on assets | 1.3570% | 2,061 |
| Return on Equity (ROE) | 6.2826% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.2826% | 2,244 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5898% | 4,667 |
| Assets per employee ($millions) | 5.7475% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 53.2896% | 4,513 |
| Net loans and leases to deposits | 68.2027% | 4,039 |
| Net loans and leases to core deposits | 69.4502% | 4,280 |
| Total domestic deposits to total assets | 78.1341% | 5,121 |
| Equity capital to assets | 21.7858% | 157 |
| Core capital (leverage) ratio | 21.6075% | 143 |
| Tier 1 risk-based capital ratio | 38.5032% | 260 |
| Total risk-based capital ratio | 39.7601% | 256 |
| Memoranda: | ||
| Average total assets | $86,954,500 | 4,706 |
| Average earning assets | $84,789,000 | 4,598 |
| Average equity | $18,591,000 | 3,359 |
| Average total loans | $46,499,000 | 4,787 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8327% | 3,941 |
| Cost of funding earning assets | 0.1680% | 5,550 |
| Net interest margin | 3.6647% | 2,885 |
| Noninterest income to average assets | 0.1751% | 5,538 |
| Noninterest expense to average assets | 2.1135% | 5,232 |
| Loan and lease loss provision to assets | 0.0888% | 2,523 |
| Net operating income to assets | 1.5206% | 827 |
| Return on assets (ROA) | 1.5206% | 863 |
| Pretax return on assets | 1.5348% | 1,447 |
| Return on Equity (ROE) | 7.0657% | 3,476 |
| Retained earnings to average equity (ytd only) | 3.0297% | 3,898 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5548% | 5,291 |
| Assets per employee ($millions) | 5.8465% | 1,500 |
| Cash dividends to net income (ytd only)* | 57.1206% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0184% | 779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.5343% | 4,733 |
| Net loans and leases to deposits | 65.2659% | 4,373 |
| Net loans and leases to core deposits | 66.4266% | 4,561 |
| Total domestic deposits to total assets | 78.9605% | 4,985 |
| Equity capital to assets | 20.9813% | 181 |
| Core capital (leverage) ratio | 21.1068% | 157 |
| Tier 1 risk-based capital ratio | 36.6786% | 291 |
| Total risk-based capital ratio | 37.9372% | 286 |
| Memoranda: | ||
| Average total assets | $84,505,200 | 4,778 |
| Average earning assets | $82,135,800 | 4,673 |
| Average equity | $18,186,400 | 3,356 |
| Average total loans | $47,465,200 | 4,743 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 3,835 |
| Cost of funding earning assets | 0.1688% | 5,646 |
| Net interest margin | 3.7049% | 2,750 |
| Noninterest income to average assets | 0.1784% | 5,585 |
| Noninterest expense to average assets | 2.1567% | 5,149 |
| Loan and lease loss provision to assets | 0.1195% | 1,908 |
| Net operating income to assets | 1.4893% | 935 |
| Return on assets (ROA) | 1.4893% | 969 |
| Pretax return on assets | 1.5036% | 1,677 |
| Return on Equity (ROE) | 6.8750% | 3,693 |
| Retained earnings to average equity (ytd only) | 3.4044% | 4,048 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0586% | 5,220 |
| Assets per employee ($millions) | 5.5295% | 1,762 |
| Cash dividends to net income (ytd only)* | 50.4813% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 1,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.5359% | 4,194 |
| Net loans and leases to deposits | 74.0795% | 3,541 |
| Net loans and leases to core deposits | 75.5262% | 3,851 |
| Total domestic deposits to total assets | 77.6678% | 5,240 |
| Equity capital to assets | 22.1936% | 152 |
| Core capital (leverage) ratio | 21.8401% | 142 |
| Tier 1 risk-based capital ratio | 36.2167% | 318 |
| Total risk-based capital ratio | 37.4747% | 317 |
| Memoranda: | ||
| Average total assets | $83,707,250 | 4,855 |
| Average earning assets | $81,368,250 | 4,747 |
| Average equity | $18,133,000 | 3,390 |
| Average total loans | $47,800,250 | 4,789 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 3,768 |
| Cost of funding earning assets | 0.1693% | 5,700 |
| Net interest margin | 3.7115% | 2,662 |
| Noninterest income to average assets | 0.1787% | 5,628 |
| Noninterest expense to average assets | 2.1891% | 5,148 |
| Loan and lease loss provision to assets | 0.1072% | 2,043 |
| Net operating income to assets | 1.4721% | 946 |
| Return on assets (ROA) | 1.4721% | 996 |
| Pretax return on assets | 1.4864% | 1,686 |
| Return on Equity (ROE) | 6.8509% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.3590% | 3,906 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8715% | 5,234 |
| Assets per employee ($millions) | 5.6129% | 1,644 |
| Cash dividends to net income (ytd only)* | 50.9709% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8953% | 1,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.3935% | 4,397 |
| Net loans and leases to deposits | 70.7301% | 3,848 |
| Net loans and leases to core deposits | 72.0779% | 4,126 |
| Total domestic deposits to total assets | 78.3167% | 5,211 |
| Equity capital to assets | 21.5752% | 164 |
| Core capital (leverage) ratio | 22.0060% | 132 |
| Tier 1 risk-based capital ratio | 35.8695% | 340 |
| Total risk-based capital ratio | 37.1228% | 338 |
| Memoranda: | ||
| Average total assets | $83,962,000 | 4,899 |
| Average earning assets | $81,530,000 | 4,793 |
| Average equity | $18,041,330 | 3,417 |
| Average total loans | $47,516,000 | 4,836 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,585 |
| Cost of funding earning assets | 0.1719% | 5,754 |
| Net interest margin | 3.7326% | 2,502 |
| Noninterest income to average assets | 0.1670% | 5,731 |
| Noninterest expense to average assets | 2.2279% | 5,076 |
| Loan and lease loss provision to assets | 0.0716% | 2,509 |
| Net operating income to assets | 1.4789% | 882 |
| Return on assets (ROA) | 1.4789% | 940 |
| Pretax return on assets | 1.4932% | 1,589 |
| Return on Equity (ROE) | 6.8967% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.8967% | 2,052 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7421% | 5,252 |
| Assets per employee ($millions) | 4.9887% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 1,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 56.4251% | 4,157 |
| Net loans and leases to deposits | 71.9291% | 3,539 |
| Net loans and leases to core deposits | 73.2829% | 3,847 |
| Total domestic deposits to total assets | 78.4454% | 5,361 |
| Equity capital to assets | 21.4697% | 170 |
| Core capital (leverage) ratio | 21.3815% | 155 |
| Tier 1 risk-based capital ratio | 34.8947% | 363 |
| Total risk-based capital ratio | 36.1498% | 360 |
| Memoranda: | ||
| Average total assets | $83,846,000 | 4,944 |
| Average earning assets | $81,444,500 | 4,833 |
| Average equity | $17,979,500 | 3,446 |
| Average total loans | $47,504,500 | 4,866 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 4,789 |
| Cost of funding earning assets | 0.1753% | 5,936 |
| Net interest margin | 3.5194% | 3,721 |
| Noninterest income to average assets | 0.1606% | 5,901 |
| Noninterest expense to average assets | 2.1537% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4226% | 1,036 |
| Return on assets (ROA) | 1.4226% | 1,064 |
| Pretax return on assets | 1.4238% | 1,801 |
| Return on Equity (ROE) | 6.7673% | 3,755 |
| Retained earnings to average equity (ytd only) | 1.9441% | 4,827 |
| Net charge-offs to loans | -0.0024% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2010% | 5,193 |
| Assets per employee ($millions) | 4.8755% | 2,496 |
| Cash dividends to net income (ytd only)* | 71.2721% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 1,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.8103% | 4,472 |
| Net loans and leases to deposits | 69.7995% | 3,941 |
| Net loans and leases to core deposits | 71.1429% | 4,205 |
| Total domestic deposits to total assets | 78.5254% | 5,343 |
| Equity capital to assets | 21.4167% | 172 |
| Core capital (leverage) ratio | 21.1339% | 167 |
| Tier 1 risk-based capital ratio | 35.1754% | 334 |
| Total risk-based capital ratio | 36.4292% | 329 |
| Memoranda: | ||
| Average total assets | $83,438,400 | 4,973 |
| Average earning assets | $81,007,000 | 4,871 |
| Average equity | $17,540,200 | 3,447 |
| Average total loans | $42,084,400 | 5,105 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 5,022 |
| Cost of funding earning assets | 0.1761% | 6,027 |
| Net interest margin | 3.4685% | 3,948 |
| Noninterest income to average assets | 0.1563% | 5,973 |
| Noninterest expense to average assets | 2.1568% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3608% | 1,224 |
| Return on assets (ROA) | 1.3608% | 1,264 |
| Pretax return on assets | 1.3624% | 2,151 |
| Return on Equity (ROE) | 6.5035% | 3,961 |
| Retained earnings to average equity (ytd only) | 1.7231% | 5,187 |
| Net charge-offs to loans | -0.0032% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2874% | 4,990 |
| Assets per employee ($millions) | 4.8591% | 2,435 |
| Cash dividends to net income (ytd only)* | 73.5057% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 1,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 50.1041% | 4,994 |
| Net loans and leases to deposits | 63.7680% | 4,563 |
| Net loans and leases to core deposits | 65.0233% | 4,797 |
| Total domestic deposits to total assets | 78.5725% | 5,422 |
| Equity capital to assets | 21.2883% | 184 |
| Core capital (leverage) ratio | 21.3440% | 162 |
| Tier 1 risk-based capital ratio | 37.7364% | 282 |
| Total risk-based capital ratio | 38.9928% | 280 |
| Memoranda: | ||
| Average total assets | $83,577,000 | 5,026 |
| Average earning assets | $81,032,250 | 4,927 |
| Average equity | $17,487,500 | 3,473 |
| Average total loans | $41,034,250 | 5,193 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 5,165 |
| Cost of funding earning assets | 0.1774% | 6,090 |
| Net interest margin | 3.4177% | 4,108 |
| Noninterest income to average assets | 0.1645% | 5,969 |
| Noninterest expense to average assets | 2.1883% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2801% | 1,367 |
| Return on assets (ROA) | 1.2801% | 1,423 |
| Pretax return on assets | 1.2825% | 2,326 |
| Return on Equity (ROE) | 6.1530% | 4,072 |
| Retained earnings to average equity (ytd only) | 0.6760% | 5,468 |
| Net charge-offs to loans | -0.0049% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0495% | 4,850 |
| Assets per employee ($millions) | 4.8196% | 2,444 |
| Cash dividends to net income (ytd only)* | 89.0130% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 1,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 47.8183% | 5,188 |
| Net loans and leases to deposits | 60.8937% | 4,792 |
| Net loans and leases to core deposits | 62.1021% | 4,963 |
| Total domestic deposits to total assets | 78.5276% | 5,548 |
| Equity capital to assets | 21.3553% | 166 |
| Core capital (leverage) ratio | 21.1414% | 155 |
| Tier 1 risk-based capital ratio | 38.4510% | 271 |
| Total risk-based capital ratio | 39.7085% | 272 |
| Memoranda: | ||
| Average total assets | $83,901,330 | 5,066 |
| Average earning assets | $81,166,670 | 4,956 |
| Average equity | $17,455,000 | 3,476 |
| Average total loans | $40,631,000 | 5,245 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 5,355 |
| Cost of funding earning assets | 0.1752% | 6,199 |
| Net interest margin | 3.3528% | 4,325 |
| Noninterest income to average assets | 0.1791% | 5,896 |
| Noninterest expense to average assets | 2.1252% | 5,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2959% | 1,230 |
| Return on assets (ROA) | 1.2959% | 1,276 |
| Pretax return on assets | 1.3006% | 2,090 |
| Return on Equity (ROE) | 6.3095% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.3095% | 2,376 |
| Net charge-offs to loans | -0.0098% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0358% | 5,110 |
| Assets per employee ($millions) | 4.9371% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 1,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.4792% | 5,276 |
| Net loans and leases to deposits | 58.8875% | 4,855 |
| Net loans and leases to core deposits | 60.0182% | 5,032 |
| Total domestic deposits to total assets | 78.9289% | 5,699 |
| Equity capital to assets | 20.9877% | 173 |
| Core capital (leverage) ratio | 20.9768% | 162 |
| Tier 1 risk-based capital ratio | 39.5766% | 242 |
| Total risk-based capital ratio | 40.8354% | 238 |
| Memoranda: | ||
| Average total assets | $84,885,500 | 5,093 |
| Average earning assets | $82,200,000 | 4,969 |
| Average equity | $17,434,000 | 3,489 |
| Average total loans | $40,929,000 | 5,279 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5083% | 5,622 |
| Cost of funding earning assets | 0.2018% | 6,281 |
| Net interest margin | 3.3065% | 4,641 |
| Noninterest income to average assets | 0.2369% | 5,655 |
| Noninterest expense to average assets | 2.0144% | 6,004 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4165% | 995 |
| Return on assets (ROA) | 1.4165% | 1,026 |
| Pretax return on assets | 1.4176% | 1,724 |
| Return on Equity (ROE) | 7.0795% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.3657% | 3,833 |
| Net charge-offs to loans | -0.0250% | 6,184 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6942% | 5,648 |
| Assets per employee ($millions) | 5.7227% | 1,459 |
| Cash dividends to net income (ytd only)* | 52.4590% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 1,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 47.9223% | 5,302 |
| Net loans and leases to deposits | 60.0225% | 4,936 |
| Net loans and leases to core deposits | 61.1357% | 5,138 |
| Total domestic deposits to total assets | 79.8406% | 5,481 |
| Equity capital to assets | 20.0988% | 205 |
| Core capital (leverage) ratio | 20.6744% | 170 |
| Tier 1 risk-based capital ratio | 36.7999% | 281 |
| Total risk-based capital ratio | 38.0575% | 279 |
| Memoranda: | ||
| Average total assets | $86,128,800 | 5,080 |
| Average earning assets | $83,230,600 | 4,947 |
| Average equity | $17,232,800 | 3,532 |
| Average total loans | $39,926,600 | 5,351 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 5,728 |
| Cost of funding earning assets | 0.2083% | 6,365 |
| Net interest margin | 3.2744% | 4,732 |
| Noninterest income to average assets | 0.2753% | 5,475 |
| Noninterest expense to average assets | 2.0108% | 5,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4245% | 1,046 |
| Return on assets (ROA) | 1.4245% | 1,101 |
| Pretax return on assets | 1.4261% | 1,846 |
| Return on Equity (ROE) | 7.1279% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.6374% | 4,107 |
| Net charge-offs to loans | -0.0474% | 6,288 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5059% | 5,627 |
| Assets per employee ($millions) | 5.7700% | 1,393 |
| Cash dividends to net income (ytd only)* | 48.9686% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 1,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.7961% | 5,465 |
| Net loans and leases to deposits | 58.5035% | 5,137 |
| Net loans and leases to core deposits | 59.5784% | 5,332 |
| Total domestic deposits to total assets | 79.9884% | 5,515 |
| Equity capital to assets | 19.8752% | 218 |
| Core capital (leverage) ratio | 20.5890% | 176 |
| Tier 1 risk-based capital ratio | 36.8930% | 288 |
| Total risk-based capital ratio | 38.1491% | 285 |
| Memoranda: | ||
| Average total assets | $86,200,750 | 5,121 |
| Average earning assets | $83,229,500 | 4,993 |
| Average equity | $17,227,750 | 3,574 |
| Average total loans | $39,410,250 | 5,422 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3833% | 5,943 |
| Cost of funding earning assets | 0.2211% | 6,361 |
| Net interest margin | 3.1623% | 5,076 |
| Noninterest income to average assets | 0.3369% | 4,984 |
| Noninterest expense to average assets | 2.0492% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3429% | 1,216 |
| Return on assets (ROA) | 1.3429% | 1,308 |
| Pretax return on assets | 1.3452% | 2,143 |
| Return on Equity (ROE) | 6.7068% | 3,770 |
| Retained earnings to average equity (ytd only) | 3.2257% | 4,255 |
| Net charge-offs to loans | 0.2632% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.3529% | 2,057 |
| Efficiency ratio | 60.3696% | 5,426 |
| Assets per employee ($millions) | 5.7482% | 1,383 |
| Cash dividends to net income (ytd only)* | 51.9031% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 1,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.3014% | 5,713 |
| Net loans and leases to deposits | 55.2665% | 5,409 |
| Net loans and leases to core deposits | 56.2820% | 5,574 |
| Total domestic deposits to total assets | 80.1596% | 5,573 |
| Equity capital to assets | 19.7163% | 218 |
| Core capital (leverage) ratio | 20.5260% | 169 |
| Tier 1 risk-based capital ratio | 39.0024% | 249 |
| Total risk-based capital ratio | 40.2595% | 243 |
| Memoranda: | ||
| Average total assets | $86,084,330 | 5,153 |
| Average earning assets | $83,231,670 | 5,022 |
| Average equity | $17,236,330 | 3,587 |
| Average total loans | $38,760,000 | 5,481 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 5,895 |
| Cost of funding earning assets | 0.2310% | 6,408 |
| Net interest margin | 3.1908% | 4,958 |
| Noninterest income to average assets | 0.5255% | 3,600 |
| Noninterest expense to average assets | 2.1113% | 5,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4928% | 871 |
| Return on assets (ROA) | 1.4928% | 944 |
| Pretax return on assets | 1.4974% | 1,562 |
| Return on Equity (ROE) | 7.3987% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.3987% | 1,987 |
| Net charge-offs to loans | 0.5797% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,329 |
| Efficiency ratio | 58.5052% | 5,781 |
| Assets per employee ($millions) | 5.2747% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.3332% | 5,622 |
| Net loans and leases to deposits | 56.0004% | 5,241 |
| Net loans and leases to core deposits | 57.0829% | 5,426 |
| Total domestic deposits to total assets | 79.1658% | 5,930 |
| Equity capital to assets | 20.7216% | 187 |
| Core capital (leverage) ratio | 20.1835% | 185 |
| Tier 1 risk-based capital ratio | 39.9494% | 236 |
| Total risk-based capital ratio | 41.2107% | 232 |
| Memoranda: | ||
| Average total assets | $86,015,000 | 5,196 |
| Average earning assets | $83,115,000 | 5,061 |
| Average equity | $17,354,500 | 3,609 |
| Average total loans | $38,644,000 | 5,522 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 5,892 |
| Cost of funding earning assets | 0.2897% | 6,506 |
| Net interest margin | 3.4849% | 4,560 |
| Noninterest income to average assets | 0.1993% | 5,996 |
| Noninterest expense to average assets | 2.0642% | 6,201 |
| Loan and lease loss provision to assets | 0.0927% | 4,515 |
| Net operating income to assets | 1.3804% | 1,127 |
| Return on assets (ROA) | 1.3804% | 1,247 |
| Pretax return on assets | 1.4024% | 2,031 |
| Return on Equity (ROE) | 7.0119% | 3,637 |
| Retained earnings to average equity (ytd only) | 3.4736% | 3,772 |
| Net charge-offs to loans | 0.1684% | 4,030 |
| Credit loss provision to net charge-offs | 119.4030% | 2,404 |
| Earnings coverage of net charge-offs (x) | 19.2537% | 1,396 |
| Efficiency ratio | 57.9941% | 5,828 |
| Assets per employee ($millions) | 5.4772% | 1,705 |
| Cash dividends to net income (ytd only)* | 50.4618% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1620% | 1,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 5,791 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 43.6344% | 5,847 |
| Net loans and leases to deposits | 54.3639% | 5,620 |
| Net loans and leases to core deposits | 55.3611% | 5,762 |
| Total domestic deposits to total assets | 80.2636% | 5,596 |
| Equity capital to assets | 19.6508% | 239 |
| Core capital (leverage) ratio | 19.4138% | 216 |
| Tier 1 risk-based capital ratio | 38.1216% | 273 |
| Total risk-based capital ratio | 39.3792% | 267 |
| Memoranda: | ||
| Average total assets | $86,280,600 | 5,179 |
| Average earning assets | $83,187,200 | 5,040 |
| Average equity | $16,985,400 | 3,636 |
| Average total loans | $39,777,000 | 5,516 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 6,007 |
| Cost of funding earning assets | 0.2989% | 6,623 |
| Net interest margin | 3.5082% | 4,611 |
| Noninterest income to average assets | 0.2079% | 6,045 |
| Noninterest expense to average assets | 2.0928% | 6,179 |
| Loan and lease loss provision to assets | 0.1241% | 4,003 |
| Net operating income to assets | 1.3559% | 1,318 |
| Return on assets (ROA) | 1.3559% | 1,456 |
| Pretax return on assets | 1.3776% | 2,314 |
| Return on Equity (ROE) | 6.8845% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.3241% | 4,534 |
| Net charge-offs to loans | 0.2269% | 3,360 |
| Credit loss provision to net charge-offs | 117.6471% | 2,466 |
| Earnings coverage of net charge-offs (x) | 14.2359% | 1,850 |
| Efficiency ratio | 58.2218% | 5,758 |
| Assets per employee ($millions) | 5.7152% | 1,446 |
| Cash dividends to net income (ytd only)* | 51.7163% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 1,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 5,935 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.4857% | 5,820 |
| Net loans and leases to deposits | 56.9480% | 5,539 |
| Net loans and leases to core deposits | 58.2774% | 5,713 |
| Total domestic deposits to total assets | 79.8724% | 5,692 |
| Equity capital to assets | 19.9666% | 240 |
| Core capital (leverage) ratio | 19.7700% | 215 |
| Tier 1 risk-based capital ratio | 37.7191% | 295 |
| Total risk-based capital ratio | 38.9781% | 287 |
| Memoranda: | ||
| Average total assets | $85,942,000 | 5,241 |
| Average earning assets | $82,966,250 | 5,099 |
| Average equity | $16,926,500 | 3,675 |
| Average total loans | $39,950,250 | 5,574 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 6,020 |
| Cost of funding earning assets | 0.3133% | 6,674 |
| Net interest margin | 3.5427% | 4,492 |
| Noninterest income to average assets | 0.2069% | 6,080 |
| Noninterest expense to average assets | 2.1253% | 6,185 |
| Loan and lease loss provision to assets | 0.1860% | 3,244 |
| Net operating income to assets | 1.2905% | 1,464 |
| Return on assets (ROA) | 1.2905% | 1,615 |
| Pretax return on assets | 1.3137% | 2,508 |
| Return on Equity (ROE) | 6.5825% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.0125% | 4,637 |
| Net charge-offs to loans | 0.3401% | 2,658 |
| Credit loss provision to net charge-offs | 117.6471% | 2,340 |
| Earnings coverage of net charge-offs (x) | 9.4853% | 2,159 |
| Efficiency ratio | 58.6273% | 5,785 |
| Assets per employee ($millions) | 5.3471% | 1,771 |
| Cash dividends to net income (ytd only)* | 54.2342% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 1,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 5,666 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.0955% | 5,913 |
| Net loans and leases to deposits | 56.3325% | 5,612 |
| Net loans and leases to core deposits | 58.0331% | 5,768 |
| Total domestic deposits to total assets | 80.0524% | 5,726 |
| Equity capital to assets | 19.8039% | 245 |
| Core capital (leverage) ratio | 19.3758% | 228 |
| Tier 1 risk-based capital ratio | 37.3928% | 291 |
| Total risk-based capital ratio | 38.6512% | 284 |
| Memoranda: | ||
| Average total assets | $86,013,330 | 5,276 |
| Average earning assets | $82,987,000 | 5,128 |
| Average equity | $16,863,000 | 3,663 |
| Average total loans | $39,987,670 | 5,603 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 6,015 |
| Cost of funding earning assets | 0.3311% | 6,722 |
| Net interest margin | 3.5700% | 4,394 |
| Noninterest income to average assets | 0.2087% | 6,129 |
| Noninterest expense to average assets | 2.1335% | 6,192 |
| Loan and lease loss provision to assets | 0.2783% | 2,233 |
| Net operating income to assets | 1.2244% | 1,668 |
| Return on assets (ROA) | 1.2244% | 1,851 |
| Pretax return on assets | 1.2476% | 2,734 |
| Return on Equity (ROE) | 6.2771% | 4,153 |
| Retained earnings to average equity (ytd only) | 6.2771% | 2,807 |
| Net charge-offs to loans | 0.0695% | 3,793 |
| Credit loss provision to net charge-offs | 857.1429% | 408 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 665 |
| Efficiency ratio | 58.3016% | 5,873 |
| Assets per employee ($millions) | 5.1918% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 1,921 |
| Loan loss allowance to noncurrent loans | 224.0506% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 5,431 |
| Noncurrent loans to loans | 0.9734% | 4,733 |
| Net loans and leases to total assets | 44.9734% | 5,897 |
| Net loans and leases to deposits | 55.7430% | 5,635 |
| Net loans and leases to core deposits | 57.3588% | 5,773 |
| Total domestic deposits to total assets | 80.6800% | 5,683 |
| Equity capital to assets | 19.1749% | 266 |
| Core capital (leverage) ratio | 19.1670% | 237 |
| Tier 1 risk-based capital ratio | 36.5288% | 299 |
| Total risk-based capital ratio | 37.7880% | 292 |
| Memoranda: | ||
| Average total assets | $86,243,000 | 5,307 |
| Average earning assets | $83,360,500 | 5,163 |
| Average equity | $16,823,000 | 3,679 |
| Average total loans | $40,269,000 | 5,631 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 5,550 |
| Cost of funding earning assets | 0.4610% | 6,698 |
| Net interest margin | 3.9044% | 3,319 |
| Noninterest income to average assets | 0.1679% | 6,285 |
| Noninterest expense to average assets | 2.1344% | 6,419 |
| Loan and lease loss provision to assets | 0.0600% | 5,856 |
| Net operating income to assets | 1.6992% | 550 |
| Return on assets (ROA) | 1.6992% | 587 |
| Pretax return on assets | 1.7411% | 907 |
| Return on Equity (ROE) | 8.6572% | 2,605 |
| Retained earnings to average equity (ytd only) | 4.5089% | 2,968 |
| Net charge-offs to loans | -0.0025% | 6,805 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2352% | 6,488 |
| Assets per employee ($millions) | 5.2641% | 1,871 |
| Cash dividends to net income (ytd only)* | 47.9181% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 2,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 6,602 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 46.4553% | 5,972 |
| Net loans and leases to deposits | 58.0640% | 5,691 |
| Net loans and leases to core deposits | 60.3998% | 5,808 |
| Total domestic deposits to total assets | 80.0071% | 5,742 |
| Equity capital to assets | 19.8540% | 239 |
| Core capital (leverage) ratio | 19.3001% | 229 |
| Tier 1 risk-based capital ratio | 33.7195% | 370 |
| Total risk-based capital ratio | 34.9600% | 365 |
| Memoranda: | ||
| Average total assets | $83,394,400 | 5,359 |
| Average earning assets | $80,472,400 | 5,215 |
| Average equity | $16,367,800 | 3,669 |
| Average total loans | $40,275,400 | 5,681 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 5,527 |
| Cost of funding earning assets | 0.4883% | 6,751 |
| Net interest margin | 3.9347% | 3,208 |
| Noninterest income to average assets | 0.1891% | 6,246 |
| Noninterest expense to average assets | 2.1477% | 6,406 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7967% | 523 |
| Return on assets (ROA) | 1.7967% | 567 |
| Pretax return on assets | 1.8384% | 888 |
| Return on Equity (ROE) | 9.1812% | 2,515 |
| Retained earnings to average equity (ytd only) | 5.0124% | 3,163 |
| Net charge-offs to loans | -0.0033% | 6,684 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8802% | 6,501 |
| Assets per employee ($millions) | 5.2284% | 1,890 |
| Cash dividends to net income (ytd only)* | 45.4059% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 2,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 6,686 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 46.2758% | 6,121 |
| Net loans and leases to deposits | 57.9564% | 5,841 |
| Net loans and leases to core deposits | 60.3226% | 5,962 |
| Total domestic deposits to total assets | 79.8458% | 5,780 |
| Equity capital to assets | 19.9319% | 246 |
| Core capital (leverage) ratio | 19.7199% | 227 |
| Tier 1 risk-based capital ratio | 33.5533% | 401 |
| Total risk-based capital ratio | 34.8075% | 388 |
| Memoranda: | ||
| Average total assets | $83,186,750 | 5,401 |
| Average earning assets | $80,275,000 | 5,264 |
| Average equity | $16,279,250 | 3,693 |
| Average total loans | $40,354,500 | 5,727 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 5,368 |
| Cost of funding earning assets | 0.5236% | 6,769 |
| Net interest margin | 3.9722% | 2,978 |
| Noninterest income to average assets | 0.1975% | 6,258 |
| Noninterest expense to average assets | 2.1968% | 6,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7969% | 509 |
| Return on assets (ROA) | 1.7969% | 542 |
| Pretax return on assets | 1.8379% | 815 |
| Return on Equity (ROE) | 9.2397% | 2,419 |
| Retained earnings to average equity (ytd only) | 5.0286% | 2,993 |
| Net charge-offs to loans | -0.0049% | 6,585 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4478% | 6,577 |
| Assets per employee ($millions) | 5.1817% | 1,895 |
| Cash dividends to net income (ytd only)* | 45.5764% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9806% | 2,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,728 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 46.6800% | 6,197 |
| Net loans and leases to deposits | 58.3717% | 5,894 |
| Net loans and leases to core deposits | 60.7875% | 6,023 |
| Total domestic deposits to total assets | 79.9703% | 5,835 |
| Equity capital to assets | 19.8343% | 270 |
| Core capital (leverage) ratio | 19.2131% | 266 |
| Tier 1 risk-based capital ratio | 33.4990% | 402 |
| Total risk-based capital ratio | 34.7546% | 392 |
| Memoranda: | ||
| Average total assets | $83,030,670 | 5,456 |
| Average earning assets | $80,206,670 | 5,314 |
| Average equity | $16,147,670 | 3,707 |
| Average total loans | $40,641,330 | 5,771 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 5,156 |
| Cost of funding earning assets | 0.5431% | 6,822 |
| Net interest margin | 4.0107% | 2,644 |
| Noninterest income to average assets | 0.2166% | 6,184 |
| Noninterest expense to average assets | 2.2337% | 6,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8197% | 474 |
| Return on assets (ROA) | 1.8197% | 500 |
| Pretax return on assets | 1.8582% | 730 |
| Return on Equity (ROE) | 9.4503% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.4503% | 1,248 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5882% | 6,638 |
| Assets per employee ($millions) | 5.2208% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 6,805 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 48.4509% | 6,026 |
| Net loans and leases to deposits | 60.2513% | 5,704 |
| Net loans and leases to core deposits | 63.0484% | 5,821 |
| Total domestic deposits to total assets | 80.4147% | 5,835 |
| Equity capital to assets | 19.3638% | 286 |
| Core capital (leverage) ratio | 19.1675% | 265 |
| Tier 1 risk-based capital ratio | 32.4138% | 419 |
| Total risk-based capital ratio | 33.6672% | 409 |
| Memoranda: | ||
| Average total assets | $83,092,500 | 5,495 |
| Average earning assets | $80,285,500 | 5,349 |
| Average equity | $15,999,500 | 3,730 |
| Average total loans | $41,220,500 | 5,799 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 6,021 |
| Cost of funding earning assets | 0.7046% | 6,876 |
| Net interest margin | 3.9257% | 3,370 |
| Noninterest income to average assets | 0.2109% | 6,295 |
| Noninterest expense to average assets | 2.1012% | 6,841 |
| Loan and lease loss provision to assets | 0.0471% | 6,691 |
| Net operating income to assets | 1.7960% | 419 |
| Return on assets (ROA) | 1.7960% | 453 |
| Pretax return on assets | 1.8514% | 683 |
| Return on Equity (ROE) | 9.4892% | 2,113 |
| Retained earnings to average equity (ytd only) | 1.8181% | 4,593 |
| Net charge-offs to loans | 0.2275% | 4,921 |
| Credit loss provision to net charge-offs | 42.5532% | 6,349 |
| Earnings coverage of net charge-offs (x) | 17.1383% | 1,172 |
| Efficiency ratio | 52.5339% | 6,943 |
| Assets per employee ($millions) | 5.1658% | 1,917 |
| Cash dividends to net income (ytd only)* | 80.8399% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 2,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 6,785 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 48.8875% | 6,288 |
| Net loans and leases to deposits | 60.6157% | 5,989 |
| Net loans and leases to core deposits | 63.8573% | 6,062 |
| Total domestic deposits to total assets | 80.6516% | 5,640 |
| Equity capital to assets | 19.1451% | 310 |
| Core capital (leverage) ratio | 18.3747% | 310 |
| Tier 1 risk-based capital ratio | 31.3752% | 453 |
| Total risk-based capital ratio | 32.6296% | 448 |
| Memoranda: | ||
| Average total assets | $84,854,800 | 5,447 |
| Average earning assets | $81,895,800 | 5,279 |
| Average equity | $16,060,400 | 3,750 |
| Average total loans | $41,319,800 | 5,870 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 6,190 |
| Cost of funding earning assets | 0.7413% | 6,942 |
| Net interest margin | 3.9087% | 3,495 |
| Noninterest income to average assets | 0.2154% | 6,370 |
| Noninterest expense to average assets | 2.0701% | 6,918 |
| Loan and lease loss provision to assets | 0.0624% | 6,440 |
| Net operating income to assets | 1.7984% | 506 |
| Return on assets (ROA) | 1.7984% | 553 |
| Pretax return on assets | 1.8531% | 845 |
| Return on Equity (ROE) | 9.5286% | 2,310 |
| Retained earnings to average equity (ytd only) | 1.3234% | 5,282 |
| Net charge-offs to loans | -0.0032% | 7,186 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9389% | 6,982 |
| Assets per employee ($millions) | 5.2135% | 1,919 |
| Cash dividends to net income (ytd only)* | 86.1110% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1896% | 1,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 7,276 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 46.9119% | 6,623 |
| Net loans and leases to deposits | 58.4103% | 6,434 |
| Net loans and leases to core deposits | 61.5090% | 6,501 |
| Total domestic deposits to total assets | 80.3143% | 5,608 |
| Equity capital to assets | 19.3836% | 326 |
| Core capital (leverage) ratio | 18.2318% | 336 |
| Tier 1 risk-based capital ratio | 31.3767% | 457 |
| Total risk-based capital ratio | 32.6337% | 449 |
| Memoranda: | ||
| Average total assets | $85,405,250 | 5,487 |
| Average earning assets | $82,379,000 | 5,329 |
| Average equity | $16,119,500 | 3,789 |
| Average total loans | $41,352,750 | 5,952 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 6,367 |
| Cost of funding earning assets | 0.7866% | 6,959 |
| Net interest margin | 3.8461% | 3,682 |
| Noninterest income to average assets | 0.2138% | 6,390 |
| Noninterest expense to average assets | 2.0844% | 6,956 |
| Loan and lease loss provision to assets | 0.0929% | 5,985 |
| Net operating income to assets | 1.6870% | 602 |
| Return on assets (ROA) | 1.6870% | 648 |
| Pretax return on assets | 1.7405% | 979 |
| Return on Equity (ROE) | 9.0170% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.2785% | 2,734 |
| Net charge-offs to loans | -0.0048% | 7,108 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2028% | 6,962 |
| Assets per employee ($millions) | 5.3314% | 1,776 |
| Cash dividends to net income (ytd only)* | 41.4601% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 1,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 7,316 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.4795% | 6,660 |
| Net loans and leases to deposits | 58.9878% | 6,499 |
| Net loans and leases to core deposits | 62.4408% | 6,514 |
| Total domestic deposits to total assets | 80.4905% | 5,563 |
| Equity capital to assets | 19.2539% | 328 |
| Core capital (leverage) ratio | 18.4103% | 331 |
| Tier 1 risk-based capital ratio | 31.0030% | 459 |
| Total risk-based capital ratio | 32.2595% | 458 |
| Memoranda: | ||
| Average total assets | $86,068,330 | 5,505 |
| Average earning assets | $82,889,330 | 5,340 |
| Average equity | $16,103,000 | 3,781 |
| Average total loans | $41,801,000 | 5,967 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 6,437 |
| Cost of funding earning assets | 0.8273% | 7,008 |
| Net interest margin | 3.8141% | 3,733 |
| Noninterest income to average assets | 0.1990% | 6,539 |
| Noninterest expense to average assets | 2.1469% | 6,816 |
| Loan and lease loss provision to assets | 0.1388% | 5,165 |
| Net operating income to assets | 1.5315% | 847 |
| Return on assets (ROA) | 1.5315% | 911 |
| Pretax return on assets | 1.5824% | 1,306 |
| Return on Equity (ROE) | 8.3048% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.3048% | 1,590 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5024% | 6,836 |
| Assets per employee ($millions) | 5.3721% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 1,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 7,136 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.1630% | 6,741 |
| Net loans and leases to deposits | 58.2920% | 6,607 |
| Net loans and leases to core deposits | 61.6238% | 6,631 |
| Total domestic deposits to total assets | 80.9082% | 5,490 |
| Equity capital to assets | 18.7556% | 354 |
| Core capital (leverage) ratio | 18.3692% | 353 |
| Tier 1 risk-based capital ratio | 29.5369% | 548 |
| Total risk-based capital ratio | 30.7917% | 532 |
| Memoranda: | ||
| Average total assets | $86,451,500 | 5,560 |
| Average earning assets | $83,165,500 | 5,392 |
| Average equity | $15,942,500 | 3,836 |
| Average total loans | $42,013,000 | 6,024 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 5,791 |
| Cost of funding earning assets | 1.1001% | 6,982 |
| Net interest margin | 4.0685% | 2,572 |
| Noninterest income to average assets | 0.2282% | 6,482 |
| Noninterest expense to average assets | 2.1392% | 7,103 |
| Loan and lease loss provision to assets | 0.1106% | 6,540 |
| Net operating income to assets | 1.8039% | 357 |
| Return on assets (ROA) | 1.8039% | 372 |
| Pretax return on assets | 1.8458% | 577 |
| Return on Equity (ROE) | 9.9763% | 1,701 |
| Retained earnings to average equity (ytd only) | 5.8608% | 1,406 |
| Net charge-offs to loans | 0.0471% | 6,632 |
| Credit loss provision to net charge-offs | 452.3810% | 688 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 341 |
| Efficiency ratio | 52.2320% | 7,368 |
| Assets per employee ($millions) | 5.4344% | 1,705 |
| Cash dividends to net income (ytd only)* | 41.2524% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 2,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 7,144 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 48.0598% | 6,807 |
| Net loans and leases to deposits | 58.9327% | 6,709 |
| Net loans and leases to core deposits | 69.2875% | 6,814 |
| Total domestic deposits to total assets | 81.5503% | 5,134 |
| Equity capital to assets | 18.1300% | 437 |
| Core capital (leverage) ratio | 17.6237% | 429 |
| Tier 1 risk-based capital ratio | 29.8205% | 534 |
| Total risk-based capital ratio | 31.0759% | 517 |
| Memoranda: | ||
| Average total assets | $85,871,600 | 5,528 |
| Average earning assets | $81,627,600 | 5,404 |
| Average equity | $15,526,800 | 3,965 |
| Average total loans | $44,565,600 | 5,904 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 5,509 |
| Cost of funding earning assets | 1.1519% | 7,038 |
| Net interest margin | 4.1328% | 2,277 |
| Noninterest income to average assets | 0.2274% | 6,600 |
| Noninterest expense to average assets | 2.1603% | 7,077 |
| Loan and lease loss provision to assets | 0.1090% | 6,285 |
| Net operating income to assets | 1.8332% | 413 |
| Return on assets (ROA) | 1.8332% | 437 |
| Pretax return on assets | 1.8753% | 691 |
| Return on Equity (ROE) | 10.1457% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.2495% | 1,827 |
| Net charge-offs to loans | -0.0030% | 7,603 |
| Credit loss provision to net charge-offs | -7,000.0000% | 7,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1233% | 7,401 |
| Assets per employee ($millions) | 5.4023% | 1,709 |
| Cash dividends to net income (ytd only)* | 38.4027% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 2,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 7,498 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 49.7362% | 6,799 |
| Net loans and leases to deposits | 61.1035% | 6,743 |
| Net loans and leases to core deposits | 71.9101% | 6,851 |
| Total domestic deposits to total assets | 81.3966% | 4,921 |
| Equity capital to assets | 18.1869% | 499 |
| Core capital (leverage) ratio | 17.7098% | 479 |
| Tier 1 risk-based capital ratio | 29.6029% | 593 |
| Total risk-based capital ratio | 30.8565% | 581 |
| Memoranda: | ||
| Average total assets | $85,602,000 | 5,564 |
| Average earning assets | $81,137,250 | 5,448 |
| Average equity | $15,467,500 | 4,012 |
| Average total loans | $45,051,250 | 5,926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 5,119 |
| Cost of funding earning assets | 1.2050% | 7,091 |
| Net interest margin | 4.2013% | 1,995 |
| Noninterest income to average assets | 0.2391% | 6,568 |
| Noninterest expense to average assets | 2.1823% | 7,100 |
| Loan and lease loss provision to assets | 0.1289% | 5,812 |
| Net operating income to assets | 1.8494% | 415 |
| Return on assets (ROA) | 1.8494% | 452 |
| Pretax return on assets | 1.8916% | 708 |
| Return on Equity (ROE) | 10.2579% | 1,926 |
| Retained earnings to average equity (ytd only) | 6.3315% | 1,870 |
| Net charge-offs to loans | -0.0044% | 7,518 |
| Credit loss provision to net charge-offs | -5,500.0000% | 7,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9241% | 7,521 |
| Assets per employee ($millions) | 5.1962% | 1,862 |
| Cash dividends to net income (ytd only)* | 38.2763% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 1,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 7,529 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.2414% | 6,654 |
| Net loans and leases to deposits | 64.4895% | 6,522 |
| Net loans and leases to core deposits | 75.9305% | 6,682 |
| Total domestic deposits to total assets | 81.0077% | 5,078 |
| Equity capital to assets | 18.6062% | 494 |
| Core capital (leverage) ratio | 17.5877% | 551 |
| Tier 1 risk-based capital ratio | 29.2506% | 650 |
| Total risk-based capital ratio | 30.5051% | 633 |
| Memoranda: | ||
| Average total assets | $85,324,000 | 5,607 |
| Average earning assets | $80,499,330 | 5,515 |
| Average equity | $15,383,330 | 4,043 |
| Average total loans | $45,461,000 | 5,963 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 4,892 |
| Cost of funding earning assets | 1.2784% | 7,086 |
| Net interest margin | 4.2253% | 1,819 |
| Noninterest income to average assets | 0.2638% | 6,343 |
| Noninterest expense to average assets | 2.2033% | 6,860 |
| Loan and lease loss provision to assets | 0.1389% | 5,184 |
| Net operating income to assets | 1.8422% | 486 |
| Return on assets (ROA) | 1.8422% | 544 |
| Pretax return on assets | 1.8839% | 833 |
| Return on Equity (ROE) | 10.3778% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.3778% | 1,100 |
| Net charge-offs to loans | -0.0087% | 7,259 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1358% | 7,403 |
| Assets per employee ($millions) | 4.9974% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 7,517 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 51.9381% | 6,689 |
| Net loans and leases to deposits | 63.9015% | 6,568 |
| Net loans and leases to core deposits | 74.3504% | 6,787 |
| Total domestic deposits to total assets | 81.2783% | 4,845 |
| Equity capital to assets | 18.2685% | 571 |
| Core capital (leverage) ratio | 17.2774% | 626 |
| Tier 1 risk-based capital ratio | 28.4099% | 723 |
| Total risk-based capital ratio | 29.6624% | 708 |
| Memoranda: | ||
| Average total assets | $86,416,500 | 5,590 |
| Average earning assets | $81,036,500 | 5,517 |
| Average equity | $15,340,500 | 4,075 |
| Average total loans | $46,066,500 | 5,959 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1056% | 5,012 |
| Cost of funding earning assets | 1.7412% | 7,156 |
| Net interest margin | 4.3644% | 1,784 |
| Noninterest income to average assets | 0.1849% | 7,124 |
| Noninterest expense to average assets | 2.1568% | 7,100 |
| Loan and lease loss provision to assets | 0.1541% | 5,390 |
| Net operating income to assets | 1.9685% | 381 |
| Return on assets (ROA) | 1.9685% | 365 |
| Pretax return on assets | 2.0016% | 599 |
| Return on Equity (ROE) | 11.5493% | 1,737 |
| Retained earnings to average equity (ytd only) | 1.4395% | 4,359 |
| Net charge-offs to loans | 0.1806% | 4,382 |
| Credit loss provision to net charge-offs | 155.1724% | 3,366 |
| Earnings coverage of net charge-offs (x) | 21.7126% | 1,515 |
| Efficiency ratio | 50.0132% | 7,664 |
| Assets per employee ($millions) | 5.1693% | 1,760 |
| Cash dividends to net income (ytd only)* | 87.5362% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 2,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 7,463 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.8642% | 6,764 |
| Net loans and leases to deposits | 64.2136% | 6,773 |
| Net loans and leases to core deposits | 74.1351% | 6,960 |
| Total domestic deposits to total assets | 82.3255% | 4,076 |
| Equity capital to assets | 17.2523% | 751 |
| Core capital (leverage) ratio | 16.8365% | 718 |
| Tier 1 risk-based capital ratio | 26.6945% | 847 |
| Total risk-based capital ratio | 27.9460% | 829 |
| Memoranda: | ||
| Average total assets | $87,629,800 | 5,431 |
| Average earning assets | $82,875,000 | 5,333 |
| Average equity | $14,936,000 | 4,152 |
| Average total loans | $48,174,200 | 5,778 |