Home > The Hamler State Bank > Performance and Condition Ratios
The Hamler State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 2,862 |
| Cost of funding earning assets | 1.4354% | 2,126 |
| Net interest margin | 3.1812% | 2,920 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.6247% | 4,223 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.3862% | 1,240 |
| Return on assets (ROA) | 1.3862% | 1,214 |
| Pretax return on assets | 1.3862% | 1,666 |
| Return on Equity (ROE) | 9.9400% | 2,511 |
| Retained earnings to average equity (ytd only) | 5.3517% | 2,465 |
| Net charge-offs to loans | -0.0040% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.2696% | 3,883 |
| Assets per employee ($millions) | 13.1668% | 316 |
| Cash dividends to net income (ytd only)* | 46.1645% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,313 |
| Loan loss allowance to noncurrent loans | 583.0065% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,553 |
| Noncurrent loans to loans | 0.2053% | 2,488 |
| Net loans and leases to total assets | 69.8900% | 1,825 |
| Net loans and leases to deposits | 82.4366% | 1,910 |
| Net loans and leases to core deposits | 88.9721% | 2,114 |
| Total domestic deposits to total assets | 84.7800% | 2,384 |
| Equity capital to assets | 14.5793% | 593 |
| Core capital (leverage) ratio | 16.1445% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $104,389,400 | 3,793 |
| Average earning assets | $98,297,400 | 3,759 |
| Average equity | $14,556,000 | 3,301 |
| Average total loans | $74,698,200 | 3,482 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 2,856 |
| Cost of funding earning assets | 1.2694% | 2,226 |
| Net interest margin | 3.2542% | 2,794 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.5259% | 4,293 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.6885% | 808 |
| Return on assets (ROA) | 1.6885% | 798 |
| Pretax return on assets | 1.6885% | 1,185 |
| Return on Equity (ROE) | 12.2500% | 2,065 |
| Retained earnings to average equity (ytd only) | 6.0462% | 2,617 |
| Net charge-offs to loans | -0.0054% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.0032% | 4,090 |
| Assets per employee ($millions) | 13.0561% | 296 |
| Cash dividends to net income (ytd only)* | 50.6444% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,312 |
| Loan loss allowance to noncurrent loans | 627.5000% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 2,802 |
| Noncurrent loans to loans | 0.1610% | 2,745 |
| Net loans and leases to total assets | 70.6300% | 1,753 |
| Net loans and leases to deposits | 82.8741% | 1,834 |
| Net loans and leases to core deposits | 88.7931% | 2,005 |
| Total domestic deposits to total assets | 85.2300% | 2,434 |
| Equity capital to assets | 13.9819% | 656 |
| Core capital (leverage) ratio | 16.0045% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $104,153,250 | 3,805 |
| Average earning assets | $98,415,250 | 3,777 |
| Average equity | $14,355,750 | 3,312 |
| Average total loans | $74,744,750 | 3,488 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 2,853 |
| Cost of funding earning assets | 1.1242% | 2,209 |
| Net interest margin | 3.2896% | 2,778 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.6241% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6068% | 938 |
| Return on assets (ROA) | 1.6068% | 942 |
| Pretax return on assets | 1.6068% | 1,403 |
| Return on Equity (ROE) | 11.7100% | 2,248 |
| Retained earnings to average equity (ytd only) | 2.3541% | 3,630 |
| Net charge-offs to loans | -0.0080% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.2677% | 3,905 |
| Assets per employee ($millions) | 13.2921% | 279 |
| Cash dividends to net income (ytd only)* | 79.9043% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,521 |
| Loan loss allowance to noncurrent loans | 1,213.3333% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,208 |
| Noncurrent loans to loans | 0.0803% | 3,115 |
| Net loans and leases to total assets | 69.5900% | 1,790 |
| Net loans and leases to deposits | 81.1117% | 1,899 |
| Net loans and leases to core deposits | 86.7407% | 2,018 |
| Total domestic deposits to total assets | 85.7900% | 2,301 |
| Equity capital to assets | 13.6049% | 699 |
| Core capital (leverage) ratio | 15.2420% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $104,054,667 | 3,822 |
| Average earning assets | $98,734,000 | 3,787 |
| Average equity | $14,273,000 | 3,330 |
| Average total loans | $74,818,000 | 3,491 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,807 |
| Cost of funding earning assets | 0.8620% | 2,503 |
| Net interest margin | 3.4357% | 2,543 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.6869% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6869% | 842 |
| Return on assets (ROA) | 1.6869% | 840 |
| Pretax return on assets | 1.6869% | 1,296 |
| Return on Equity (ROE) | 12.2500% | 2,156 |
| Retained earnings to average equity (ytd only) | -6.6027% | 4,387 |
| Net charge-offs to loans | -0.0160% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.0000% | 3,935 |
| Assets per employee ($millions) | 13.2040% | 297 |
| Cash dividends to net income (ytd only)* | 153.9171% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,554 |
| Loan loss allowance to noncurrent loans | 1,103.0303% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,162 |
| Noncurrent loans to loans | 0.0897% | 3,099 |
| Net loans and leases to total assets | 68.9400% | 1,735 |
| Net loans and leases to deposits | 79.9664% | 1,819 |
| Net loans and leases to core deposits | 85.7700% | 1,879 |
| Total domestic deposits to total assets | 86.2100% | 2,535 |
| Equity capital to assets | 13.3833% | 682 |
| Core capital (leverage) ratio | 15.0905% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,913,500 | 3,880 |
| Average earning assets | $97,914,500 | 3,843 |
| Average equity | $14,176,000 | 3,373 |
| Average total loans | $74,865,500 | 3,527 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 2,170 |
| Cost of funding earning assets | 0.4588% | 1,658 |
| Net interest margin | 3.3819% | 2,313 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.6523% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6424% | 618 |
| Return on assets (ROA) | 1.6424% | 586 |
| Pretax return on assets | 1.6424% | 1,054 |
| Return on Equity (ROE) | 11.8000% | 2,218 |
| Retained earnings to average equity (ytd only) | 7.1708% | 2,168 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.1502% | 4,121 |
| Assets per employee ($millions) | 14.3136% | 229 |
| Cash dividends to net income (ytd only)* | 39.2405% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 3,594 |
| Loan loss allowance to noncurrent loans | 1,035.7143% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,097 |
| Noncurrent loans to loans | 0.0919% | 3,103 |
| Net loans and leases to total assets | 75.3100% | 1,088 |
| Net loans and leases to deposits | 90.1666% | 1,043 |
| Net loans and leases to core deposits | 93.6468% | 1,309 |
| Total domestic deposits to total assets | 83.5200% | 3,308 |
| Equity capital to assets | 14.1873% | 559 |
| Core capital (leverage) ratio | 15.8801% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $101,010,600 | 3,918 |
| Average earning assets | $95,893,200 | 3,877 |
| Average equity | $14,057,000 | 3,460 |
| Average total loans | $72,105,200 | 3,541 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 1,991 |
| Cost of funding earning assets | 0.4634% | 916 |
| Net interest margin | 3.2524% | 2,450 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.6321% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5373% | 763 |
| Return on assets (ROA) | 1.5373% | 745 |
| Pretax return on assets | 1.5373% | 1,306 |
| Return on Equity (ROE) | 11.1000% | 2,336 |
| Retained earnings to average equity (ytd only) | 4.9080% | 3,138 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.4963% | 4,046 |
| Assets per employee ($millions) | 12.6250% | 335 |
| Cash dividends to net income (ytd only)* | 55.7841% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 3,578 |
| Loan loss allowance to noncurrent loans | 979.7297% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,160 |
| Noncurrent loans to loans | 0.1000% | 3,161 |
| Net loans and leases to total assets | 72.5700% | 1,222 |
| Net loans and leases to deposits | 84.0953% | 1,291 |
| Net loans and leases to core deposits | 86.6338% | 1,489 |
| Total domestic deposits to total assets | 86.3000% | 2,985 |
| Equity capital to assets | 13.3406% | 635 |
| Core capital (leverage) ratio | 15.0386% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $101,214,500 | 3,941 |
| Average earning assets | $96,091,000 | 3,902 |
| Average equity | $14,017,500 | 3,507 |
| Average total loans | $71,086,500 | 3,572 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 1,890 |
| Cost of funding earning assets | 0.4675% | 634 |
| Net interest margin | 3.1167% | 2,481 |
| Noninterest income to average assets | 0.0790% | 4,557 |
| Noninterest expense to average assets | 1.7989% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2420% | 1,300 |
| Return on assets (ROA) | 1.2420% | 1,288 |
| Pretax return on assets | 1.2420% | 1,926 |
| Return on Equity (ROE) | 8.8600% | 2,742 |
| Retained earnings to average equity (ytd only) | -0.3099% | 4,219 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1558% | 3,418 |
| Assets per employee ($millions) | 12.9399% | 297 |
| Cash dividends to net income (ytd only)* | 103.4976% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,504 |
| Loan loss allowance to noncurrent loans | 928.2051% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,221 |
| Noncurrent loans to loans | 0.1101% | 3,199 |
| Net loans and leases to total assets | 67.7325% | 1,499 |
| Net loans and leases to deposits | 79.1913% | 1,447 |
| Net loans and leases to core deposits | 81.8816% | 1,600 |
| Total domestic deposits to total assets | 85.5302% | 3,367 |
| Equity capital to assets | 13.1425% | 641 |
| Core capital (leverage) ratio | 14.5041% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,286,000 | 3,975 |
| Average earning assets | $96,256,000 | 3,951 |
| Average equity | $14,198,667 | 3,565 |
| Average total loans | $70,107,000 | 3,618 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 1,762 |
| Cost of funding earning assets | 0.4740% | 566 |
| Net interest margin | 3.0411% | 2,360 |
| Noninterest income to average assets | 0.0799% | 4,576 |
| Noninterest expense to average assets | 1.9926% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9823% | 1,957 |
| Return on assets (ROA) | 0.9823% | 1,955 |
| Pretax return on assets | 0.9823% | 2,492 |
| Return on Equity (ROE) | 6.7883% | 3,101 |
| Retained earnings to average equity (ytd only) | -11.1759% | 4,581 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9799% | 2,640 |
| Assets per employee ($millions) | 11.3372% | 467 |
| Cash dividends to net income (ytd only)* | 264.6341% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,510 |
| 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 | 66.5723% | 1,354 |
| Net loans and leases to deposits | 78.2101% | 1,270 |
| Net loans and leases to core deposits | 80.9185% | 1,429 |
| Total domestic deposits to total assets | 85.1198% | 3,517 |
| Equity capital to assets | 13.5199% | 597 |
| Core capital (leverage) ratio | 14.5837% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,169,500 | 4,004 |
| Average earning assets | $95,359,500 | 3,972 |
| Average equity | $14,495,500 | 3,608 |
| Average total loans | $69,740,500 | 3,630 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 1,507 |
| Cost of funding earning assets | 0.5528% | 701 |
| Net interest margin | 3.3905% | 2,061 |
| Noninterest income to average assets | 0.0858% | 4,651 |
| Noninterest expense to average assets | 1.6932% | 4,304 |
| Loan and lease loss provision to assets | 0.0362% | 2,322 |
| Net operating income to assets | 1.5473% | 921 |
| Return on assets (ROA) | 1.5473% | 957 |
| Pretax return on assets | 1.5473% | 1,577 |
| Return on Equity (ROE) | 10.0875% | 2,494 |
| Retained earnings to average equity (ytd only) | 3.9649% | 3,232 |
| Net charge-offs to loans | -0.0727% | 4,473 |
| Credit loss provision to net charge-offs | -70.0000% | 3,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6730% | 4,143 |
| Assets per employee ($millions) | 10.9227% | 522 |
| Cash dividends to net income (ytd only)* | 60.6952% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 71.3145% | 900 |
| Net loans and leases to deposits | 85.8656% | 790 |
| Net loans and leases to core deposits | 89.0335% | 1,010 |
| Total domestic deposits to total assets | 83.0536% | 3,795 |
| Equity capital to assets | 15.4582% | 438 |
| Core capital (leverage) ratio | 15.4982% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,682,800 | 4,027 |
| Average earning assets | $90,990,800 | 4,004 |
| Average equity | $14,830,200 | 3,654 |
| Average total loans | $68,729,800 | 3,673 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 1,204 |
| Cost of funding earning assets | 0.5647% | 770 |
| Net interest margin | 3.5799% | 1,648 |
| Noninterest income to average assets | 0.0914% | 4,701 |
| Noninterest expense to average assets | 1.5898% | 4,477 |
| Loan and lease loss provision to assets | 0.0488% | 2,024 |
| Net operating income to assets | 1.8155% | 646 |
| Return on assets (ROA) | 1.8155% | 671 |
| Pretax return on assets | 1.8155% | 1,125 |
| Return on Equity (ROE) | 11.8596% | 2,094 |
| Retained earnings to average equity (ytd only) | 3.6456% | 3,699 |
| Net charge-offs to loans | 0.0020% | 2,325 |
| Credit loss provision to net charge-offs | 3,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 1,346.0000% | 119 |
| Efficiency ratio | 46.0305% | 4,502 |
| Assets per employee ($millions) | 12.1693% | 357 |
| Cash dividends to net income (ytd only)* | 69.2601% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,915 |
| Loan loss allowance to noncurrent loans | 702.0833% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 3,443 |
| Noncurrent loans to loans | 0.1395% | 3,415 |
| Net loans and leases to total assets | 70.0084% | 1,073 |
| Net loans and leases to deposits | 84.4728% | 929 |
| Net loans and leases to core deposits | 87.3437% | 1,194 |
| Total domestic deposits to total assets | 82.8769% | 3,740 |
| Equity capital to assets | 15.5351% | 465 |
| Core capital (leverage) ratio | 15.2929% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,277,500 | 4,079 |
| Average earning assets | $90,429,750 | 4,061 |
| Average equity | $14,738,750 | 3,710 |
| Average total loans | $68,204,750 | 3,741 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 1,844 |
| Cost of funding earning assets | 0.5779% | 824 |
| Net interest margin | 3.3111% | 2,408 |
| Noninterest income to average assets | 0.0834% | 4,749 |
| Noninterest expense to average assets | 1.7223% | 4,329 |
| Loan and lease loss provision to assets | 0.0730% | 1,612 |
| Net operating income to assets | 1.3824% | 1,621 |
| Return on assets (ROA) | 1.3824% | 1,692 |
| Pretax return on assets | 1.3824% | 2,388 |
| Return on Equity (ROE) | 9.0758% | 3,073 |
| Retained earnings to average equity (ytd only) | -3.3538% | 4,731 |
| Net charge-offs to loans | 0.0029% | 2,083 |
| Credit loss provision to net charge-offs | 3,500.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 698.0000% | 198 |
| Efficiency ratio | 54.1995% | 3,773 |
| Assets per employee ($millions) | 12.1838% | 334 |
| Cash dividends to net income (ytd only)* | 136.9532% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 3,896 |
| Loan loss allowance to noncurrent loans | 702.0833% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 3,557 |
| Noncurrent loans to loans | 0.1392% | 3,502 |
| Net loans and leases to total assets | 70.0605% | 1,192 |
| Net loans and leases to deposits | 83.9146% | 1,075 |
| Net loans and leases to core deposits | 86.7358% | 1,368 |
| Total domestic deposits to total assets | 83.4903% | 3,582 |
| Equity capital to assets | 14.8487% | 555 |
| Core capital (leverage) ratio | 14.7422% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,918,667 | 4,108 |
| Average earning assets | $89,637,333 | 4,091 |
| Average equity | $14,610,333 | 3,729 |
| Average total loans | $67,996,333 | 3,762 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 1,758 |
| Cost of funding earning assets | 0.6029% | 866 |
| Net interest margin | 3.3271% | 2,308 |
| Noninterest income to average assets | 0.0799% | 4,762 |
| Noninterest expense to average assets | 1.9592% | 3,835 |
| Loan and lease loss provision to assets | 0.1471% | 891 |
| Net operating income to assets | 1.0595% | 2,605 |
| Return on assets (ROA) | 1.0595% | 2,686 |
| Pretax return on assets | 1.0595% | 3,216 |
| Return on Equity (ROE) | 6.8670% | 3,640 |
| Retained earnings to average equity (ytd only) | -8.5292% | 4,794 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8858% | 2,776 |
| Assets per employee ($millions) | 12.2799% | 324 |
| Cash dividends to net income (ytd only)* | 224.2063% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 3,958 |
| 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 | 70.0201% | 1,286 |
| Net loans and leases to deposits | 83.8069% | 1,168 |
| Net loans and leases to core deposits | 86.2901% | 1,500 |
| Total domestic deposits to total assets | 83.5493% | 3,556 |
| Equity capital to assets | 14.7223% | 542 |
| Core capital (leverage) ratio | 15.0290% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,143,000 | 4,127 |
| Average earning assets | $88,246,000 | 4,121 |
| Average equity | $14,679,000 | 3,722 |
| Average total loans | $67,513,500 | 3,783 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 2,321 |
| Cost of funding earning assets | 0.7976% | 1,224 |
| Net interest margin | 3.3382% | 2,959 |
| Noninterest income to average assets | 0.0871% | 4,779 |
| Noninterest expense to average assets | 1.7433% | 4,554 |
| Loan and lease loss provision to assets | 0.1324% | 2,706 |
| Net operating income to assets | 1.3507% | 1,124 |
| Return on assets (ROA) | 1.3507% | 1,220 |
| Pretax return on assets | 1.3507% | 1,815 |
| Return on Equity (ROE) | 8.3029% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.3739% | 2,605 |
| Net charge-offs to loans | 0.0079% | 3,047 |
| Credit loss provision to net charge-offs | 2,340.0000% | 393 |
| Earnings coverage of net charge-offs (x) | 262.2000% | 377 |
| Efficiency ratio | 54.0323% | 4,208 |
| Assets per employee ($millions) | 11.5059% | 358 |
| Cash dividends to net income (ytd only)* | 47.3199% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,960 |
| Loan loss allowance to noncurrent loans | 16,000.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,436 |
| Noncurrent loans to loans | 0.0061% | 4,369 |
| Net loans and leases to total assets | 70.5346% | 1,489 |
| Net loans and leases to deposits | 86.1806% | 1,239 |
| Net loans and leases to core deposits | 88.6614% | 1,628 |
| Total domestic deposits to total assets | 81.8451% | 3,695 |
| Equity capital to assets | 16.1820% | 410 |
| Core capital (leverage) ratio | 16.0445% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,397,800 | 4,136 |
| Average earning assets | $83,128,400 | 4,113 |
| Average equity | $14,380,600 | 3,710 |
| Average total loans | $62,951,600 | 3,867 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 2,495 |
| Cost of funding earning assets | 0.8307% | 1,357 |
| Net interest margin | 3.3293% | 3,101 |
| Noninterest income to average assets | 0.0853% | 4,808 |
| Noninterest expense to average assets | 1.6917% | 4,632 |
| Loan and lease loss provision to assets | 0.1600% | 2,399 |
| Net operating income to assets | 1.3731% | 1,172 |
| Return on assets (ROA) | 1.3731% | 1,266 |
| Pretax return on assets | 1.3731% | 1,815 |
| Return on Equity (ROE) | 8.4290% | 2,633 |
| Retained earnings to average equity (ytd only) | 3.1433% | 3,456 |
| Net charge-offs to loans | 0.0064% | 2,900 |
| Credit loss provision to net charge-offs | 3,500.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 335.3333% | 327 |
| Efficiency ratio | 52.4575% | 4,298 |
| Assets per employee ($millions) | 11.2663% | 369 |
| Cash dividends to net income (ytd only)* | 62.7081% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,819 |
| Loan loss allowance to noncurrent loans | 900.0000% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 4,044 |
| Noncurrent loans to loans | 0.1076% | 3,935 |
| Net loans and leases to total assets | 71.4812% | 1,749 |
| Net loans and leases to deposits | 88.6165% | 1,417 |
| Net loans and leases to core deposits | 91.2627% | 1,860 |
| Total domestic deposits to total assets | 80.6635% | 3,738 |
| Equity capital to assets | 16.2388% | 439 |
| Core capital (leverage) ratio | 16.1445% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,485,500 | 4,154 |
| Average earning assets | $82,498,000 | 4,120 |
| Average equity | $14,252,000 | 3,727 |
| Average total loans | $62,298,250 | 3,895 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 3,037 |
| Cost of funding earning assets | 0.8584% | 1,556 |
| Net interest margin | 3.2481% | 3,532 |
| Noninterest income to average assets | 0.0808% | 4,835 |
| Noninterest expense to average assets | 1.7921% | 4,570 |
| Loan and lease loss provision to assets | 0.1270% | 2,755 |
| Net operating income to assets | 1.2378% | 1,521 |
| Return on assets (ROA) | 1.2378% | 1,639 |
| Pretax return on assets | 1.2378% | 2,226 |
| Return on Equity (ROE) | 7.5899% | 2,899 |
| Retained earnings to average equity (ytd only) | -0.4106% | 4,386 |
| Net charge-offs to loans | 0.0098% | 2,597 |
| Credit loss provision to net charge-offs | 1,833.3333% | 515 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 461 |
| Efficiency ratio | 56.7666% | 3,854 |
| Assets per employee ($millions) | 11.0400% | 380 |
| Cash dividends to net income (ytd only)* | 105.4104% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 3,969 |
| 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 | 71.6780% | 1,771 |
| Net loans and leases to deposits | 89.0492% | 1,442 |
| Net loans and leases to core deposits | 91.6947% | 1,930 |
| Total domestic deposits to total assets | 80.4925% | 3,728 |
| Equity capital to assets | 16.2092% | 447 |
| Core capital (leverage) ratio | 16.2466% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,604,000 | 4,169 |
| Average earning assets | $82,017,000 | 4,141 |
| Average equity | $14,124,000 | 3,748 |
| Average total loans | $61,379,000 | 3,915 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,313 |
| Cost of funding earning assets | 0.8874% | 1,937 |
| Net interest margin | 3.2848% | 3,628 |
| Noninterest income to average assets | 0.0793% | 4,896 |
| Noninterest expense to average assets | 1.9826% | 4,431 |
| Loan and lease loss provision to assets | 0.1399% | 1,989 |
| Net operating income to assets | 1.0823% | 1,897 |
| Return on assets (ROA) | 1.0823% | 2,003 |
| Pretax return on assets | 1.0823% | 2,585 |
| Return on Equity (ROE) | 6.6153% | 3,098 |
| Retained earnings to average equity (ytd only) | -9.4953% | 4,749 |
| Net charge-offs to loans | 0.0200% | 1,965 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 87.3333% | 636 |
| Efficiency ratio | 61.8632% | 3,514 |
| Assets per employee ($millions) | 12.2394% | 224 |
| Cash dividends to net income (ytd only)* | 243.5345% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,057 |
| Loan loss allowance to noncurrent loans | 637.9310% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,109 |
| Noncurrent loans to loans | 0.1434% | 3,947 |
| Net loans and leases to total assets | 70.1562% | 2,227 |
| Net loans and leases to deposits | 86.3606% | 1,954 |
| Net loans and leases to core deposits | 88.9828% | 2,447 |
| Total domestic deposits to total assets | 81.2363% | 3,618 |
| Equity capital to assets | 16.2811% | 534 |
| Core capital (leverage) ratio | 16.0924% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2055% | 550 |
| Memoranda: | ||
| Average total assets | $85,746,000 | 4,189 |
| Average earning assets | $81,587,500 | 4,145 |
| Average equity | $14,028,000 | 3,768 |
| Average total loans | $60,125,500 | 3,954 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 3,814 |
| Cost of funding earning assets | 0.8727% | 2,320 |
| Net interest margin | 3.3268% | 3,927 |
| Noninterest income to average assets | 0.0999% | 4,929 |
| Noninterest expense to average assets | 1.8531% | 4,712 |
| Loan and lease loss provision to assets | 0.0238% | 3,541 |
| Net operating income to assets | 1.4107% | 1,310 |
| Return on assets (ROA) | 1.4107% | 1,387 |
| Pretax return on assets | 1.4107% | 2,117 |
| Return on Equity (ROE) | 8.8194% | 2,837 |
| Retained earnings to average equity (ytd only) | 4.9972% | 2,417 |
| Net charge-offs to loans | 0.0035% | 3,553 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 603.0000% | 166 |
| Efficiency ratio | 56.3676% | 4,164 |
| Assets per employee ($millions) | 12.2594% | 204 |
| Cash dividends to net income (ytd only)* | 43.3390% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,023 |
| Loan loss allowance to noncurrent loans | 3,105.8824% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,559 |
| Noncurrent loans to loans | 0.0285% | 4,449 |
| Net loans and leases to total assets | 68.8228% | 2,567 |
| Net loans and leases to deposits | 85.0325% | 2,202 |
| Net loans and leases to core deposits | 87.6198% | 2,640 |
| Total domestic deposits to total assets | 80.9371% | 3,780 |
| Equity capital to assets | 16.4387% | 535 |
| Core capital (leverage) ratio | 16.3865% | 474 |
| Tier 1 risk-based capital ratio | 23.3704% | 879 |
| Total risk-based capital ratio | 24.2464% | 892 |
| Memoranda: | ||
| Average total assets | $84,073,400 | 4,226 |
| Average earning assets | $80,557,400 | 4,179 |
| Average equity | $13,447,600 | 3,829 |
| Average total loans | $57,476,000 | 4,019 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 3,936 |
| Cost of funding earning assets | 0.8550% | 2,441 |
| Net interest margin | 3.3370% | 4,019 |
| Noninterest income to average assets | 0.1004% | 4,988 |
| Noninterest expense to average assets | 1.8556% | 4,756 |
| Loan and lease loss provision to assets | 0.0319% | 3,270 |
| Net operating income to assets | 1.4108% | 1,433 |
| Return on assets (ROA) | 1.4108% | 1,497 |
| Pretax return on assets | 1.4108% | 2,268 |
| Return on Equity (ROE) | 8.8835% | 2,930 |
| Retained earnings to average equity (ytd only) | 3.7240% | 3,536 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2591% | 4,144 |
| Assets per employee ($millions) | 10.6275% | 296 |
| Cash dividends to net income (ytd only)* | 58.0794% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 3,953 |
| Loan loss allowance to noncurrent loans | 1,656.2500% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 4,536 |
| Noncurrent loans to loans | 0.0557% | 4,387 |
| Net loans and leases to total assets | 66.9090% | 2,936 |
| Net loans and leases to deposits | 82.5392% | 2,616 |
| Net loans and leases to core deposits | 84.7426% | 3,018 |
| Total domestic deposits to total assets | 81.0633% | 3,736 |
| Equity capital to assets | 16.2468% | 595 |
| Core capital (leverage) ratio | 16.3341% | 519 |
| Tier 1 risk-based capital ratio | 23.5566% | 894 |
| Total risk-based capital ratio | 24.4622% | 905 |
| Memoranda: | ||
| Average total assets | $83,637,750 | 4,283 |
| Average earning assets | $80,150,250 | 4,239 |
| Average equity | $13,282,750 | 3,892 |
| Average total loans | $56,947,750 | 4,079 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,991 |
| Cost of funding earning assets | 0.8199% | 2,552 |
| Net interest margin | 3.3522% | 4,024 |
| Noninterest income to average assets | 0.0986% | 5,045 |
| Noninterest expense to average assets | 2.0126% | 4,585 |
| Loan and lease loss provision to assets | 0.0481% | 2,854 |
| Net operating income to assets | 1.2624% | 1,904 |
| Return on assets (ROA) | 1.2624% | 1,974 |
| Pretax return on assets | 1.2624% | 2,702 |
| Return on Equity (ROE) | 8.0116% | 3,289 |
| Retained earnings to average equity (ytd only) | 0.1679% | 4,648 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5644% | 3,646 |
| Assets per employee ($millions) | 10.5829% | 295 |
| Cash dividends to net income (ytd only)* | 97.9048% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 3,962 |
| Loan loss allowance to noncurrent loans | 2,523.8095% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,659 |
| Noncurrent loans to loans | 0.0368% | 4,527 |
| Net loans and leases to total assets | 66.7092% | 3,017 |
| Net loans and leases to deposits | 82.0031% | 2,735 |
| Net loans and leases to core deposits | 84.1875% | 3,091 |
| Total domestic deposits to total assets | 81.3496% | 3,709 |
| Equity capital to assets | 15.8830% | 632 |
| Core capital (leverage) ratio | 15.9700% | 547 |
| Tier 1 risk-based capital ratio | 22.7857% | 963 |
| Total risk-based capital ratio | 23.6851% | 986 |
| Memoranda: | ||
| Average total assets | $83,177,000 | 4,325 |
| Average earning assets | $80,006,000 | 4,263 |
| Average equity | $13,106,000 | 3,917 |
| Average total loans | $56,791,670 | 4,109 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 4,080 |
| Cost of funding earning assets | 0.7953% | 2,561 |
| Net interest margin | 3.3223% | 4,107 |
| Noninterest income to average assets | 0.0970% | 5,088 |
| Noninterest expense to average assets | 2.3437% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9559% | 3,024 |
| Return on assets (ROA) | 0.9559% | 3,068 |
| Pretax return on assets | 0.9559% | 3,601 |
| Return on Equity (ROE) | 6.0918% | 3,991 |
| Retained earnings to average equity (ytd only) | -9.8025% | 5,101 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0294% | 2,184 |
| Assets per employee ($millions) | 10.4305% | 303 |
| Cash dividends to net income (ytd only)* | 260.9137% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,161 |
| Loan loss allowance to noncurrent loans | 2,833.3333% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 4,749 |
| Noncurrent loans to loans | 0.0317% | 4,633 |
| Net loans and leases to total assets | 67.3937% | 2,840 |
| Net loans and leases to deposits | 82.5252% | 2,559 |
| Net loans and leases to core deposits | 84.7477% | 2,966 |
| Total domestic deposits to total assets | 81.6643% | 3,808 |
| Equity capital to assets | 15.4894% | 652 |
| Core capital (leverage) ratio | 15.7375% | 569 |
| Tier 1 risk-based capital ratio | 21.9415% | 1,059 |
| Total risk-based capital ratio | 22.7959% | 1,085 |
| Memoranda: | ||
| Average total assets | $82,434,000 | 4,376 |
| Average earning assets | $79,463,000 | 4,313 |
| Average equity | $12,935,500 | 3,957 |
| Average total loans | $56,683,500 | 4,149 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 4,011 |
| Cost of funding earning assets | 0.7451% | 1,818 |
| Net interest margin | 3.2618% | 4,356 |
| Noninterest income to average assets | 0.1144% | 5,101 |
| Noninterest expense to average assets | 1.8173% | 4,990 |
| Loan and lease loss provision to assets | 0.0809% | 2,509 |
| Net operating income to assets | 1.3471% | 1,624 |
| Return on assets (ROA) | 1.3409% | 1,639 |
| Pretax return on assets | 1.3409% | 2,358 |
| Return on Equity (ROE) | 8.6648% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.8066% | 2,887 |
| Net charge-offs to loans | -0.0019% | 4,226 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9985% | 4,412 |
| Assets per employee ($millions) | 10.1780% | 329 |
| Cash dividends to net income (ytd only)* | 44.5269% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 4,154 |
| Loan loss allowance to noncurrent loans | 2,684.2105% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,756 |
| Noncurrent loans to loans | 0.0336% | 4,623 |
| Net loans and leases to total assets | 68.9121% | 2,743 |
| Net loans and leases to deposits | 84.9896% | 2,407 |
| Net loans and leases to core deposits | 87.3540% | 2,804 |
| Total domestic deposits to total assets | 81.0830% | 3,871 |
| Equity capital to assets | 15.8995% | 546 |
| Core capital (leverage) ratio | 16.3869% | 469 |
| Tier 1 risk-based capital ratio | 22.9823% | 923 |
| Total risk-based capital ratio | 23.8560% | 931 |
| Memoranda: | ||
| Average total assets | $80,392,200 | 4,426 |
| Average earning assets | $77,166,800 | 4,363 |
| Average equity | $12,441,200 | 3,971 |
| Average total loans | $52,887,600 | 4,245 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 4,083 |
| Cost of funding earning assets | 0.7237% | 1,729 |
| Net interest margin | 3.2246% | 4,469 |
| Noninterest income to average assets | 0.1048% | 5,195 |
| Noninterest expense to average assets | 1.7870% | 5,051 |
| Loan and lease loss provision to assets | 0.0666% | 2,648 |
| Net operating income to assets | 1.3427% | 1,691 |
| Return on assets (ROA) | 1.3344% | 1,732 |
| Pretax return on assets | 1.3344% | 2,484 |
| Return on Equity (ROE) | 8.6830% | 3,248 |
| Retained earnings to average equity (ytd only) | 3.4862% | 4,025 |
| Net charge-offs to loans | 0.0077% | 3,142 |
| Credit loss provision to net charge-offs | 1,333.3333% | 305 |
| Earnings coverage of net charge-offs (x) | 282.3275% | 325 |
| Efficiency ratio | 55.9084% | 4,402 |
| Assets per employee ($millions) | 10.0865% | 323 |
| Cash dividends to net income (ytd only)* | 59.8498% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,283 |
| Loan loss allowance to noncurrent loans | 143.1548% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 3,026 |
| Noncurrent loans to loans | 0.6256% | 2,524 |
| Net loans and leases to total assets | 65.9669% | 3,182 |
| Net loans and leases to deposits | 80.9680% | 2,931 |
| Net loans and leases to core deposits | 83.5596% | 3,193 |
| Total domestic deposits to total assets | 81.4728% | 3,749 |
| Equity capital to assets | 15.4513% | 628 |
| Core capital (leverage) ratio | 16.2030% | 493 |
| Tier 1 risk-based capital ratio | 23.5098% | 889 |
| Total risk-based capital ratio | 24.3706% | 900 |
| Memoranda: | ||
| Average total assets | $80,134,250 | 4,472 |
| Average earning assets | $76,825,000 | 4,414 |
| Average equity | $12,315,000 | 4,022 |
| Average total loans | $51,954,250 | 4,311 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 4,045 |
| Cost of funding earning assets | 0.7067% | 1,583 |
| Net interest margin | 3.2049% | 4,490 |
| Noninterest income to average assets | 0.1026% | 5,264 |
| Noninterest expense to average assets | 1.9588% | 4,862 |
| Loan and lease loss provision to assets | 0.0250% | 3,416 |
| Net operating income to assets | 1.1933% | 2,229 |
| Return on assets (ROA) | 1.1808% | 2,276 |
| Pretax return on assets | 1.1808% | 3,007 |
| Return on Equity (ROE) | 7.6973% | 3,623 |
| Retained earnings to average equity (ytd only) | -0.1305% | 4,979 |
| Net charge-offs to loans | 0.0156% | 2,619 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 121.7500% | 609 |
| Efficiency ratio | 61.6535% | 3,673 |
| Assets per employee ($millions) | 10.0331% | 312 |
| Cash dividends to net income (ytd only)* | 101.6949% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,471 |
| Loan loss allowance to noncurrent loans | 271.0843% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 3,970 |
| Noncurrent loans to loans | 0.3210% | 3,559 |
| Net loans and leases to total assets | 63.8759% | 3,419 |
| Net loans and leases to deposits | 78.3047% | 3,125 |
| Net loans and leases to core deposits | 80.8140% | 3,342 |
| Total domestic deposits to total assets | 81.5735% | 3,851 |
| Equity capital to assets | 15.2694% | 637 |
| Core capital (leverage) ratio | 15.8531% | 524 |
| Tier 1 risk-based capital ratio | 24.1497% | 819 |
| Total risk-based capital ratio | 24.9981% | 830 |
| Memoranda: | ||
| Average total assets | $79,948,330 | 4,516 |
| Average earning assets | $76,695,670 | 4,456 |
| Average equity | $12,264,000 | 4,042 |
| Average total loans | $51,368,670 | 4,366 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,138 |
| Cost of funding earning assets | 0.6700% | 1,601 |
| Net interest margin | 3.1580% | 4,583 |
| Noninterest income to average assets | 0.0953% | 5,347 |
| Noninterest expense to average assets | 2.1857% | 4,450 |
| Loan and lease loss provision to assets | 0.0501% | 2,774 |
| Net operating income to assets | 0.9074% | 3,261 |
| Return on assets (ROA) | 0.8823% | 3,377 |
| Pretax return on assets | 0.8823% | 3,904 |
| Return on Equity (ROE) | 5.7385% | 4,240 |
| Retained earnings to average equity (ytd only) | -9.9120% | 5,371 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5375% | 2,567 |
| Assets per employee ($millions) | 9.9904% | 330 |
| Cash dividends to net income (ytd only)* | 272.7273% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,521 |
| Loan loss allowance to noncurrent loans | 11,350.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,112 |
| Noncurrent loans to loans | 0.0078% | 4,977 |
| Net loans and leases to total assets | 63.8164% | 3,333 |
| Net loans and leases to deposits | 78.0773% | 3,011 |
| Net loans and leases to core deposits | 80.5852% | 3,277 |
| Total domestic deposits to total assets | 81.7349% | 4,037 |
| Equity capital to assets | 15.0032% | 674 |
| Core capital (leverage) ratio | 15.7106% | 534 |
| Tier 1 risk-based capital ratio | 23.5057% | 892 |
| Total risk-based capital ratio | 24.3585% | 906 |
| Memoranda: | ||
| Average total assets | $79,790,000 | 4,573 |
| Average earning assets | $77,011,000 | 4,512 |
| Average equity | $12,268,000 | 4,079 |
| Average total loans | $51,193,000 | 4,416 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,109 |
| Cost of funding earning assets | 0.6478% | 1,305 |
| Net interest margin | 3.1315% | 4,624 |
| Noninterest income to average assets | 0.1055% | 5,394 |
| Noninterest expense to average assets | 1.8549% | 5,187 |
| Loan and lease loss provision to assets | 0.0864% | 2,463 |
| Net operating income to assets | 1.1633% | 1,635 |
| Return on assets (ROA) | 1.1633% | 1,666 |
| Pretax return on assets | 1.1633% | 2,933 |
| Return on Equity (ROE) | 7.4445% | 3,063 |
| Retained earnings to average equity (ytd only) | 3.5392% | 3,157 |
| Net charge-offs to loans | 0.1237% | 1,813 |
| Credit loss provision to net charge-offs | 115.2542% | 2,277 |
| Earnings coverage of net charge-offs (x) | 16.6610% | 2,164 |
| Efficiency ratio | 59.7461% | 4,298 |
| Assets per employee ($millions) | 9.9571% | 324 |
| Cash dividends to net income (ytd only)* | 52.4590% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,587 |
| Loan loss allowance to noncurrent loans | 11,100.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,170 |
| Noncurrent loans to loans | 0.0079% | 5,020 |
| Net loans and leases to total assets | 63.3767% | 3,445 |
| Net loans and leases to deposits | 78.3816% | 3,079 |
| Net loans and leases to core deposits | 80.9363% | 3,344 |
| Total domestic deposits to total assets | 80.8567% | 4,151 |
| Equity capital to assets | 15.7488% | 547 |
| Core capital (leverage) ratio | 15.7973% | 496 |
| Tier 1 risk-based capital ratio | 24.6618% | 758 |
| Total risk-based capital ratio | 25.5162% | 778 |
| Memoranda: | ||
| Average total assets | $78,658,400 | 4,617 |
| Average earning assets | $75,331,800 | 4,554 |
| Average equity | $12,291,000 | 4,090 |
| Average total loans | $47,693,600 | 4,520 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 4,203 |
| Cost of funding earning assets | 0.6392% | 1,314 |
| Net interest margin | 3.1036% | 4,708 |
| Noninterest income to average assets | 0.1003% | 5,477 |
| Noninterest expense to average assets | 1.7974% | 5,277 |
| Loan and lease loss provision to assets | 0.0850% | 2,391 |
| Net operating income to assets | 1.1818% | 1,768 |
| Return on assets (ROA) | 1.1818% | 1,814 |
| Pretax return on assets | 1.1818% | 2,978 |
| Return on Equity (ROE) | 7.5783% | 3,354 |
| Retained earnings to average equity (ytd only) | 2.3444% | 4,474 |
| Net charge-offs to loans | 0.1678% | 1,238 |
| Credit loss provision to net charge-offs | 84.7458% | 2,521 |
| Earnings coverage of net charge-offs (x) | 12.6279% | 2,412 |
| Efficiency ratio | 58.6570% | 4,408 |
| Assets per employee ($millions) | 9.9998% | 315 |
| Cash dividends to net income (ytd only)* | 69.0646% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,712 |
| Loan loss allowance to noncurrent loans | 2,662.5000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,151 |
| Noncurrent loans to loans | 0.0324% | 4,978 |
| Net loans and leases to total assets | 61.2165% | 3,750 |
| Net loans and leases to deposits | 75.6932% | 3,403 |
| Net loans and leases to core deposits | 78.1489% | 3,617 |
| Total domestic deposits to total assets | 80.8745% | 4,086 |
| Equity capital to assets | 15.6791% | 602 |
| Core capital (leverage) ratio | 15.9039% | 503 |
| Tier 1 risk-based capital ratio | 24.3708% | 814 |
| Total risk-based capital ratio | 25.1949% | 837 |
| Memoranda: | ||
| Average total assets | $78,408,750 | 4,664 |
| Average earning assets | $74,879,000 | 4,610 |
| Average equity | $12,227,500 | 4,138 |
| Average total loans | $46,885,000 | 4,582 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 4,146 |
| Cost of funding earning assets | 0.6328% | 1,244 |
| Net interest margin | 3.0911% | 4,709 |
| Noninterest income to average assets | 0.1027% | 5,505 |
| Noninterest expense to average assets | 1.8875% | 5,203 |
| Loan and lease loss provision to assets | 0.0642% | 2,683 |
| Net operating income to assets | 1.0991% | 1,978 |
| Return on assets (ROA) | 1.0991% | 2,033 |
| Pretax return on assets | 1.0991% | 3,182 |
| Return on Equity (ROE) | 7.0613% | 3,522 |
| Retained earnings to average equity (ytd only) | -0.8579% | 5,215 |
| Net charge-offs to loans | 0.2606% | 788 |
| Credit loss provision to net charge-offs | 41.6667% | 2,630 |
| Earnings coverage of net charge-offs (x) | 7.5500% | 2,592 |
| Efficiency ratio | 61.8687% | 4,012 |
| Assets per employee ($millions) | 9.7915% | 323 |
| Cash dividends to net income (ytd only)* | 112.1495% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 4,828 |
| Loan loss allowance to noncurrent loans | 2,352.9412% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 5,187 |
| Noncurrent loans to loans | 0.0359% | 5,012 |
| Net loans and leases to total assets | 59.9423% | 3,850 |
| Net loans and leases to deposits | 73.1485% | 3,631 |
| Net loans and leases to core deposits | 76.1671% | 3,756 |
| Total domestic deposits to total assets | 81.9461% | 3,902 |
| Equity capital to assets | 15.7228% | 567 |
| Core capital (leverage) ratio | 15.6556% | 521 |
| Tier 1 risk-based capital ratio | 24.6428% | 793 |
| Total risk-based capital ratio | 25.4422% | 807 |
| Memoranda: | ||
| Average total assets | $77,879,000 | 4,706 |
| Average earning assets | $74,276,670 | 4,652 |
| Average equity | $12,122,330 | 4,162 |
| Average total loans | $46,047,330 | 4,634 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,183 |
| Cost of funding earning assets | 0.6161% | 1,263 |
| Net interest margin | 3.0591% | 4,768 |
| Noninterest income to average assets | 0.0927% | 5,614 |
| Noninterest expense to average assets | 2.0965% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9118% | 2,700 |
| Return on assets (ROA) | 0.9118% | 2,754 |
| Pretax return on assets | 0.9118% | 3,720 |
| Return on Equity (ROE) | 5.8875% | 3,966 |
| Retained earnings to average equity (ytd only) | -10.0786% | 5,581 |
| Net charge-offs to loans | 0.5463% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.8548% | 2,543 |
| Efficiency ratio | 69.6918% | 2,941 |
| Assets per employee ($millions) | 9.8308% | 325 |
| Cash dividends to net income (ytd only)* | 271.1864% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,990 |
| Loan loss allowance to noncurrent loans | 12,433.3333% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,360 |
| Noncurrent loans to loans | 0.0067% | 5,231 |
| Net loans and leases to total assets | 56.7111% | 4,099 |
| Net loans and leases to deposits | 68.8202% | 3,909 |
| Net loans and leases to core deposits | 71.9766% | 3,988 |
| Total domestic deposits to total assets | 82.4047% | 4,057 |
| Equity capital to assets | 15.1629% | 626 |
| Core capital (leverage) ratio | 15.4978% | 525 |
| Tier 1 risk-based capital ratio | 24.7040% | 804 |
| Total risk-based capital ratio | 25.4668% | 826 |
| Memoranda: | ||
| Average total assets | $77,652,500 | 4,758 |
| Average earning assets | $74,009,500 | 4,705 |
| Average equity | $12,025,500 | 4,210 |
| Average total loans | $45,394,000 | 4,694 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6741% | 4,297 |
| Cost of funding earning assets | 0.5975% | 1,352 |
| Net interest margin | 3.0766% | 4,785 |
| Noninterest income to average assets | 0.1251% | 5,560 |
| Noninterest expense to average assets | 1.7395% | 5,528 |
| Loan and lease loss provision to assets | 0.0399% | 3,583 |
| Net operating income to assets | 1.2857% | 1,247 |
| Return on assets (ROA) | 1.2857% | 1,318 |
| Pretax return on assets | 1.2857% | 2,329 |
| Return on Equity (ROE) | 7.9849% | 2,944 |
| Retained earnings to average equity (ytd only) | 4.0173% | 3,061 |
| Net charge-offs to loans | -0.0978% | 5,585 |
| Credit loss provision to net charge-offs | -69.7674% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7521% | 4,980 |
| Assets per employee ($millions) | 10.9513% | 230 |
| Cash dividends to net income (ytd only)* | 49.6894% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,584 |
| Loan loss allowance to noncurrent loans | 612.6761% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,958 |
| Noncurrent loans to loans | 0.1550% | 4,619 |
| Net loans and leases to total assets | 59.1959% | 3,938 |
| Net loans and leases to deposits | 71.3708% | 3,772 |
| Net loans and leases to core deposits | 72.9074% | 4,018 |
| Total domestic deposits to total assets | 82.9413% | 3,790 |
| Equity capital to assets | 15.8181% | 517 |
| Core capital (leverage) ratio | 15.8370% | 483 |
| Tier 1 risk-based capital ratio | 25.2087% | 753 |
| Total risk-based capital ratio | 26.0943% | 769 |
| Memoranda: | ||
| Average total assets | $75,136,200 | 4,829 |
| Average earning assets | $71,800,000 | 4,762 |
| Average equity | $12,097,800 | 4,236 |
| Average total loans | $43,947,200 | 4,753 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,363 |
| Cost of funding earning assets | 0.5953% | 1,369 |
| Net interest margin | 3.0678% | 4,859 |
| Noninterest income to average assets | 0.1266% | 5,620 |
| Noninterest expense to average assets | 1.7265% | 5,592 |
| Loan and lease loss provision to assets | 0.0357% | 3,530 |
| Net operating income to assets | 1.2966% | 1,303 |
| Return on assets (ROA) | 1.2966% | 1,403 |
| Pretax return on assets | 1.2966% | 2,440 |
| Return on Equity (ROE) | 8.0170% | 2,995 |
| Retained earnings to average equity (ytd only) | 2.7238% | 4,263 |
| Net charge-offs to loans | -0.0920% | 5,544 |
| Credit loss provision to net charge-offs | -66.6667% | 4,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4431% | 5,013 |
| Assets per employee ($millions) | 10.9383% | 217 |
| Cash dividends to net income (ytd only)* | 66.0243% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,805 |
| 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 | 57.9106% | 4,105 |
| Net loans and leases to deposits | 70.1665% | 3,971 |
| Net loans and leases to core deposits | 71.6842% | 4,185 |
| Total domestic deposits to total assets | 82.5332% | 3,767 |
| Equity capital to assets | 16.2196% | 522 |
| Core capital (leverage) ratio | 16.1962% | 446 |
| Tier 1 risk-based capital ratio | 25.1752% | 797 |
| Total risk-based capital ratio | 26.0294% | 821 |
| Memoranda: | ||
| Average total assets | $74,755,500 | 4,870 |
| Average earning assets | $71,451,250 | 4,802 |
| Average equity | $12,090,750 | 4,277 |
| Average total loans | $43,480,500 | 4,803 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,446 |
| Cost of funding earning assets | 0.5910% | 1,390 |
| Net interest margin | 3.0591% | 4,951 |
| Noninterest income to average assets | 0.1322% | 5,653 |
| Noninterest expense to average assets | 1.8907% | 5,467 |
| Loan and lease loss provision to assets | 0.0270% | 3,587 |
| Net operating income to assets | 1.1463% | 1,788 |
| Return on assets (ROA) | 1.1463% | 1,903 |
| Pretax return on assets | 1.1463% | 2,998 |
| Return on Equity (ROE) | 7.0944% | 3,488 |
| Retained earnings to average equity (ytd only) | -0.9181% | 5,430 |
| Net charge-offs to loans | -0.0929% | 5,591 |
| Credit loss provision to net charge-offs | -50.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7077% | 4,386 |
| Assets per employee ($millions) | 10.7391% | 221 |
| Cash dividends to net income (ytd only)* | 112.9412% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,884 |
| 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 | 56.1072% | 4,297 |
| Net loans and leases to deposits | 67.9972% | 4,182 |
| Net loans and leases to core deposits | 69.4871% | 4,365 |
| Total domestic deposits to total assets | 82.5139% | 3,834 |
| Equity capital to assets | 16.1904% | 513 |
| Core capital (leverage) ratio | 15.8566% | 484 |
| Tier 1 risk-based capital ratio | 25.2500% | 792 |
| Total risk-based capital ratio | 26.0860% | 813 |
| Memoranda: | ||
| Average total assets | $74,151,330 | 4,928 |
| Average earning assets | $71,065,670 | 4,856 |
| Average equity | $11,981,330 | 4,320 |
| Average total loans | $43,056,330 | 4,861 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6762% | 4,405 |
| Cost of funding earning assets | 0.6023% | 1,318 |
| Net interest margin | 3.0739% | 4,940 |
| Noninterest income to average assets | 0.1032% | 5,812 |
| Noninterest expense to average assets | 2.0532% | 5,215 |
| Loan and lease loss provision to assets | 0.0543% | 2,855 |
| Net operating income to assets | 0.9343% | 2,586 |
| Return on assets (ROA) | 0.9343% | 2,693 |
| Pretax return on assets | 0.9343% | 3,714 |
| Return on Equity (ROE) | 5.7881% | 4,085 |
| Retained earnings to average equity (ytd only) | -10.3647% | 5,818 |
| Net charge-offs to loans | -0.0924% | 5,599 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5000% | 3,544 |
| Assets per employee ($millions) | 10.5356% | 239 |
| Cash dividends to net income (ytd only)* | 279.0698% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 5,075 |
| Loan loss allowance to noncurrent loans | 315.7025% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 4,916 |
| Noncurrent loans to loans | 0.2832% | 4,415 |
| Net loans and leases to total assets | 57.4069% | 4,101 |
| Net loans and leases to deposits | 69.5120% | 3,898 |
| Net loans and leases to core deposits | 71.4790% | 4,107 |
| Total domestic deposits to total assets | 82.5855% | 4,042 |
| Equity capital to assets | 16.0178% | 535 |
| Core capital (leverage) ratio | 15.7936% | 502 |
| Tier 1 risk-based capital ratio | 25.3861% | 779 |
| Total risk-based capital ratio | 26.2231% | 800 |
| Memoranda: | ||
| Average total assets | $73,640,000 | 4,986 |
| Average earning assets | $70,399,500 | 4,916 |
| Average equity | $11,886,500 | 4,348 |
| Average total loans | $43,299,500 | 4,886 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,507 |
| Cost of funding earning assets | 0.5973% | 1,374 |
| Net interest margin | 3.0559% | 5,014 |
| Noninterest income to average assets | 0.1107% | 5,842 |
| Noninterest expense to average assets | 1.7604% | 5,788 |
| Loan and lease loss provision to assets | 0.0135% | 4,136 |
| Net operating income to assets | 1.2582% | 1,371 |
| Return on assets (ROA) | 1.2704% | 1,391 |
| Pretax return on assets | 1.2704% | 2,398 |
| Return on Equity (ROE) | 8.1212% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.1253% | 3,067 |
| Net charge-offs to loans | -0.1431% | 5,882 |
| Credit loss provision to net charge-offs | -16.6667% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0588% | 5,137 |
| Assets per employee ($millions) | 10.5044% | 232 |
| Cash dividends to net income (ytd only)* | 49.2030% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 5,341 |
| Loan loss allowance to noncurrent loans | 436.1446% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,138 |
| Noncurrent loans to loans | 0.1892% | 4,727 |
| Net loans and leases to total assets | 59.1832% | 3,941 |
| Net loans and leases to deposits | 71.9460% | 3,727 |
| Net loans and leases to core deposits | 73.6183% | 3,977 |
| Total domestic deposits to total assets | 82.2605% | 4,095 |
| Equity capital to assets | 16.2652% | 492 |
| Core capital (leverage) ratio | 16.0183% | 464 |
| Tier 1 risk-based capital ratio | 25.8986% | 746 |
| Total risk-based capital ratio | 26.6867% | 761 |
| Memoranda: | ||
| Average total assets | $74,073,000 | 4,989 |
| Average earning assets | $70,813,000 | 4,917 |
| Average equity | $11,587,000 | 4,372 |
| Average total loans | $41,934,400 | 4,935 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,616 |
| Cost of funding earning assets | 0.5932% | 1,446 |
| Net interest margin | 3.0449% | 5,088 |
| Noninterest income to average assets | 0.1042% | 5,949 |
| Noninterest expense to average assets | 1.6997% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3098% | 1,314 |
| Return on assets (ROA) | 1.3260% | 1,333 |
| Pretax return on assets | 1.3260% | 2,297 |
| Return on Equity (ROE) | 8.5610% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.1901% | 4,193 |
| Net charge-offs to loans | -0.1705% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4776% | 5,287 |
| Assets per employee ($millions) | 10.5207% | 224 |
| Cash dividends to net income (ytd only)* | 62.7370% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 5,462 |
| Loan loss allowance to noncurrent loans | 1,112.9032% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,612 |
| Noncurrent loans to loans | 0.0738% | 5,334 |
| Net loans and leases to total assets | 56.5442% | 4,293 |
| Net loans and leases to deposits | 68.6335% | 4,131 |
| Net loans and leases to core deposits | 70.2214% | 4,351 |
| Total domestic deposits to total assets | 82.3858% | 4,030 |
| Equity capital to assets | 16.1314% | 542 |
| Core capital (leverage) ratio | 15.9093% | 498 |
| Tier 1 risk-based capital ratio | 26.1899% | 750 |
| Total risk-based capital ratio | 26.9626% | 782 |
| Memoranda: | ||
| Average total assets | $74,208,500 | 5,040 |
| Average earning assets | $70,805,750 | 4,977 |
| Average equity | $11,493,750 | 4,440 |
| Average total loans | $41,448,000 | 5,006 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 4,704 |
| Cost of funding earning assets | 0.5821% | 1,547 |
| Net interest margin | 3.0228% | 5,171 |
| Noninterest income to average assets | 0.0995% | 6,031 |
| Noninterest expense to average assets | 1.8630% | 5,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1264% | 1,849 |
| Return on assets (ROA) | 1.1264% | 1,937 |
| Pretax return on assets | 1.1264% | 3,070 |
| Return on Equity (ROE) | 7.3735% | 3,388 |
| Retained earnings to average equity (ytd only) | -0.7743% | 5,658 |
| Net charge-offs to loans | -0.1939% | 6,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3201% | 4,632 |
| Assets per employee ($millions) | 10.5336% | 225 |
| Cash dividends to net income (ytd only)* | 110.5012% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 5,632 |
| Loan loss allowance to noncurrent loans | 1,443.4783% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 5,744 |
| Noncurrent loans to loans | 0.0545% | 5,519 |
| Net loans and leases to total assets | 56.7465% | 4,250 |
| Net loans and leases to deposits | 68.3090% | 4,110 |
| Net loans and leases to core deposits | 69.8508% | 4,336 |
| Total domestic deposits to total assets | 83.0732% | 3,920 |
| Equity capital to assets | 15.4201% | 622 |
| Core capital (leverage) ratio | 15.3212% | 575 |
| Tier 1 risk-based capital ratio | 25.3020% | 833 |
| Total risk-based capital ratio | 26.0405% | 872 |
| Memoranda: | ||
| Average total assets | $74,396,330 | 5,091 |
| Average earning assets | $71,126,000 | 5,017 |
| Average equity | $11,365,000 | 4,492 |
| Average total loans | $41,268,330 | 5,058 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 4,694 |
| Cost of funding earning assets | 0.5614% | 1,737 |
| Net interest margin | 3.0371% | 5,109 |
| Noninterest income to average assets | 0.0964% | 6,102 |
| Noninterest expense to average assets | 1.9484% | 5,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0438% | 2,057 |
| Return on assets (ROA) | 1.0438% | 2,204 |
| Pretax return on assets | 1.0438% | 3,321 |
| Return on Equity (ROE) | 6.8647% | 3,576 |
| Retained earnings to average equity (ytd only) | -9.4345% | 6,121 |
| Net charge-offs to loans | -0.2842% | 6,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 4,298 |
| Assets per employee ($millions) | 10.7031% | 218 |
| Cash dividends to net income (ytd only)* | 237.4359% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 5,731 |
| Loan loss allowance to noncurrent loans | 294.4954% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 5,373 |
| Noncurrent loans to loans | 0.2668% | 4,821 |
| Net loans and leases to total assets | 54.0949% | 4,435 |
| Net loans and leases to deposits | 64.9899% | 4,272 |
| Net loans and leases to core deposits | 66.4268% | 4,479 |
| Total domestic deposits to total assets | 83.2359% | 4,104 |
| Equity capital to assets | 15.2011% | 683 |
| Core capital (leverage) ratio | 14.9755% | 615 |
| Tier 1 risk-based capital ratio | 25.3853% | 845 |
| Total risk-based capital ratio | 26.1162% | 883 |
| Memoranda: | ||
| Average total assets | $74,727,000 | 5,136 |
| Average earning assets | $71,252,000 | 5,063 |
| Average equity | $11,362,500 | 4,531 |
| Average total loans | $40,815,500 | 5,110 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 5,372 |
| Cost of funding earning assets | 0.5606% | 2,137 |
| Net interest margin | 2.9176% | 5,606 |
| Noninterest income to average assets | 0.1167% | 6,101 |
| Noninterest expense to average assets | 1.5921% | 6,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3238% | 1,257 |
| Return on assets (ROA) | 1.3211% | 1,304 |
| Pretax return on assets | 1.3211% | 2,172 |
| Return on Equity (ROE) | 9.3139% | 2,431 |
| Retained earnings to average equity (ytd only) | 4.9359% | 2,647 |
| Net charge-offs to loans | -0.0825% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5998% | 5,796 |
| Assets per employee ($millions) | 10.6474% | 204 |
| Cash dividends to net income (ytd only)* | 47.0051% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 5,960 |
| Loan loss allowance to noncurrent loans | 29,200.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,095 |
| Noncurrent loans to loans | 0.0025% | 5,924 |
| Net loans and leases to total assets | 54.3243% | 4,542 |
| Net loans and leases to deposits | 65.3227% | 4,393 |
| Net loans and leases to core deposits | 66.7739% | 4,615 |
| Total domestic deposits to total assets | 83.1629% | 4,017 |
| Equity capital to assets | 15.2096% | 665 |
| Core capital (leverage) ratio | 15.3887% | 548 |
| Tier 1 risk-based capital ratio | 26.2255% | 746 |
| Total risk-based capital ratio | 26.8962% | 776 |
| Memoranda: | ||
| Average total assets | $74,556,600 | 5,181 |
| Average earning assets | $71,531,000 | 5,092 |
| Average equity | $10,575,600 | 4,642 |
| Average total loans | $38,808,400 | 5,222 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 5,487 |
| Cost of funding earning assets | 0.5567% | 2,225 |
| Net interest margin | 2.8973% | 5,707 |
| Noninterest income to average assets | 0.1180% | 6,173 |
| Noninterest expense to average assets | 1.5342% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3662% | 1,209 |
| Return on assets (ROA) | 1.3626% | 1,257 |
| Pretax return on assets | 1.3626% | 2,149 |
| Return on Equity (ROE) | 9.7826% | 2,320 |
| Retained earnings to average equity (ytd only) | 3.8386% | 3,919 |
| Net charge-offs to loans | -0.0870% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8977% | 5,931 |
| Assets per employee ($millions) | 10.5487% | 206 |
| Cash dividends to net income (ytd only)* | 60.7616% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 6,040 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 6,108 |
| Noncurrent loans to loans | 0.0307% | 5,912 |
| Net loans and leases to total assets | 52.4654% | 4,753 |
| Net loans and leases to deposits | 62.7954% | 4,665 |
| Net loans and leases to core deposits | 64.1949% | 4,862 |
| Total domestic deposits to total assets | 83.5498% | 3,932 |
| Equity capital to assets | 14.7912% | 775 |
| Core capital (leverage) ratio | 15.0930% | 602 |
| Tier 1 risk-based capital ratio | 26.8783% | 717 |
| Total risk-based capital ratio | 27.5626% | 740 |
| Memoranda: | ||
| Average total assets | $74,562,750 | 5,242 |
| Average earning assets | $71,605,750 | 5,149 |
| Average equity | $10,385,500 | 4,709 |
| Average total loans | $38,315,250 | 5,290 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 5,608 |
| Cost of funding earning assets | 0.5486% | 2,361 |
| Net interest margin | 2.8602% | 5,799 |
| Noninterest income to average assets | 0.0989% | 6,288 |
| Noninterest expense to average assets | 1.6684% | 6,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1764% | 1,669 |
| Return on assets (ROA) | 1.1951% | 1,671 |
| Pretax return on assets | 1.1951% | 2,684 |
| Return on Equity (ROE) | 8.7590% | 2,712 |
| Retained earnings to average equity (ytd only) | -0.3135% | 5,733 |
| Net charge-offs to loans | -0.0630% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6466% | 5,475 |
| Assets per employee ($millions) | 10.7189% | 192 |
| Cash dividends to net income (ytd only)* | 103.5794% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 6,181 |
| Loan loss allowance to noncurrent loans | 3,885.7143% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 6,056 |
| Noncurrent loans to loans | 0.0179% | 6,023 |
| Net loans and leases to total assets | 51.7393% | 4,773 |
| Net loans and leases to deposits | 60.8709% | 4,797 |
| Net loans and leases to core deposits | 61.9303% | 4,972 |
| Total domestic deposits to total assets | 84.9984% | 3,511 |
| Equity capital to assets | 14.1393% | 918 |
| Core capital (leverage) ratio | 14.3668% | 739 |
| Tier 1 risk-based capital ratio | 26.0850% | 766 |
| Total risk-based capital ratio | 26.7372% | 808 |
| Memoranda: | ||
| Average total assets | $74,803,330 | 5,276 |
| Average earning assets | $71,814,330 | 5,182 |
| Average equity | $10,206,670 | 4,761 |
| Average total loans | $38,078,330 | 5,338 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3888% | 5,672 |
| Cost of funding earning assets | 0.5442% | 2,471 |
| Net interest margin | 2.8445% | 5,858 |
| Noninterest income to average assets | 0.0964% | 6,344 |
| Noninterest expense to average assets | 1.9012% | 6,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9104% | 2,606 |
| Return on assets (ROA) | 0.9426% | 2,512 |
| Pretax return on assets | 0.9426% | 3,547 |
| Return on Equity (ROE) | 7.0361% | 3,461 |
| Retained earnings to average equity (ytd only) | -11.4737% | 6,402 |
| Net charge-offs to loans | -0.0532% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6190% | 4,246 |
| Assets per employee ($millions) | 9.4640% | 286 |
| Cash dividends to net income (ytd only)* | 263.0682% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 6,263 |
| Loan loss allowance to noncurrent loans | 3,312.5000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 6,139 |
| Noncurrent loans to loans | 0.0215% | 6,100 |
| Net loans and leases to total assets | 48.7241% | 5,035 |
| Net loans and leases to deposits | 56.2922% | 5,093 |
| Net loans and leases to core deposits | 57.0223% | 5,278 |
| Total domestic deposits to total assets | 86.5556% | 3,075 |
| Equity capital to assets | 13.2634% | 1,186 |
| Core capital (leverage) ratio | 14.0790% | 799 |
| Tier 1 risk-based capital ratio | 26.3841% | 757 |
| Total risk-based capital ratio | 27.0432% | 784 |
| Memoranda: | ||
| Average total assets | $74,689,000 | 5,321 |
| Average earning assets | $71,294,500 | 5,248 |
| Average equity | $10,005,500 | 4,819 |
| Average total loans | $37,571,000 | 5,404 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4555% | 5,721 |
| Cost of funding earning assets | 0.6110% | 2,562 |
| Net interest margin | 2.8445% | 5,908 |
| Noninterest income to average assets | 0.1224% | 6,310 |
| Noninterest expense to average assets | 1.7059% | 6,436 |
| Loan and lease loss provision to assets | 0.0550% | 4,041 |
| Net operating income to assets | 1.0387% | 2,166 |
| Return on assets (ROA) | 1.0387% | 2,234 |
| Pretax return on assets | 1.0387% | 3,196 |
| Return on Equity (ROE) | 7.3043% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.8250% | 4,232 |
| Net charge-offs to loans | -0.0162% | 6,101 |
| Credit loss provision to net charge-offs | -666.6667% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9337% | 5,364 |
| Assets per employee ($millions) | 9.2083% | 309 |
| Cash dividends to net income (ytd only)* | 61.3245% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 6,362 |
| Loan loss allowance to noncurrent loans | 722.2222% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 6,084 |
| Noncurrent loans to loans | 0.0948% | 5,927 |
| Net loans and leases to total assets | 51.2136% | 4,950 |
| Net loans and leases to deposits | 59.3659% | 4,996 |
| Net loans and leases to core deposits | 60.6407% | 5,169 |
| Total domestic deposits to total assets | 86.2677% | 3,126 |
| Equity capital to assets | 13.5327% | 1,056 |
| Core capital (leverage) ratio | 14.5817% | 667 |
| Tier 1 risk-based capital ratio | 26.6572% | 720 |
| Total risk-based capital ratio | 27.2934% | 749 |
| Memoranda: | ||
| Average total assets | $72,687,000 | 5,403 |
| Average earning assets | $68,412,800 | 5,338 |
| Average equity | $10,336,400 | 4,778 |
| Average total loans | $37,082,600 | 5,459 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 5,805 |
| Cost of funding earning assets | 0.6266% | 2,584 |
| Net interest margin | 2.8110% | 5,997 |
| Noninterest income to average assets | 0.1251% | 6,395 |
| Noninterest expense to average assets | 1.5571% | 6,596 |
| Loan and lease loss provision to assets | 0.0460% | 4,091 |
| Net operating income to assets | 1.1558% | 1,784 |
| Return on assets (ROA) | 1.1558% | 1,860 |
| Pretax return on assets | 1.1558% | 2,868 |
| Return on Equity (ROE) | 8.0292% | 3,113 |
| Retained earnings to average equity (ytd only) | 2.1096% | 5,055 |
| Net charge-offs to loans | -0.0072% | 5,832 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4376% | 5,855 |
| Assets per employee ($millions) | 9.1439% | 297 |
| Cash dividends to net income (ytd only)* | 73.7266% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6443% | 6,509 |
| Loan loss allowance to noncurrent loans | 339.4366% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 5,315 |
| Noncurrent loans to loans | 0.1898% | 5,766 |
| Net loans and leases to total assets | 50.8072% | 5,031 |
| Net loans and leases to deposits | 59.1044% | 5,085 |
| Net loans and leases to core deposits | 59.8998% | 5,308 |
| Total domestic deposits to total assets | 85.9619% | 3,271 |
| Equity capital to assets | 13.8385% | 1,009 |
| Core capital (leverage) ratio | 14.8167% | 667 |
| Tier 1 risk-based capital ratio | 26.7783% | 725 |
| Total risk-based capital ratio | 27.3776% | 764 |
| Memoranda: | ||
| Average total assets | $72,442,250 | 5,458 |
| Average earning assets | $67,875,500 | 5,408 |
| Average equity | $10,428,250 | 4,809 |
| Average total loans | $36,856,500 | 5,517 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 5,821 |
| Cost of funding earning assets | 0.6494% | 2,503 |
| Net interest margin | 2.7884% | 6,029 |
| Noninterest income to average assets | 0.1274% | 6,418 |
| Noninterest expense to average assets | 1.5844% | 6,602 |
| Loan and lease loss provision to assets | 0.0277% | 4,377 |
| Net operating income to assets | 1.1079% | 1,901 |
| Return on assets (ROA) | 1.1079% | 2,019 |
| Pretax return on assets | 1.1079% | 3,065 |
| Return on Equity (ROE) | 7.5973% | 3,291 |
| Retained earnings to average equity (ytd only) | -1.1966% | 6,075 |
| Net charge-offs to loans | 0.0109% | 4,655 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 254 |
| Efficiency ratio | 58.2485% | 5,701 |
| Assets per employee ($millions) | 9.0984% | 291 |
| Cash dividends to net income (ytd only)* | 115.7500% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 6,617 |
| Loan loss allowance to noncurrent loans | 493.3333% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 5,487 |
| Noncurrent loans to loans | 0.1222% | 6,020 |
| Net loans and leases to total assets | 50.3071% | 5,075 |
| Net loans and leases to deposits | 58.4488% | 5,121 |
| Net loans and leases to core deposits | 59.2355% | 5,325 |
| Total domestic deposits to total assets | 86.0703% | 3,324 |
| Equity capital to assets | 13.7085% | 1,051 |
| Core capital (leverage) ratio | 14.5002% | 702 |
| Tier 1 risk-based capital ratio | 26.9113% | 701 |
| Total risk-based capital ratio | 27.4782% | 736 |
| Memoranda: | ||
| Average total assets | $72,206,000 | 5,505 |
| Average earning assets | $67,136,000 | 5,471 |
| Average equity | $10,530,000 | 4,826 |
| Average total loans | $36,673,000 | 5,553 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4614% | 5,806 |
| Cost of funding earning assets | 0.6766% | 2,422 |
| Net interest margin | 2.7848% | 6,058 |
| Noninterest income to average assets | 0.1446% | 6,378 |
| Noninterest expense to average assets | 1.7576% | 6,486 |
| Loan and lease loss provision to assets | 0.0556% | 3,708 |
| Net operating income to assets | 0.8955% | 2,679 |
| Return on assets (ROA) | 0.8955% | 2,826 |
| Pretax return on assets | 0.8955% | 3,783 |
| Return on Equity (ROE) | 5.9597% | 4,069 |
| Retained earnings to average equity (ytd only) | -11.1790% | 6,659 |
| Net charge-offs to loans | -0.0437% | 6,078 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8871% | 4,842 |
| Assets per employee ($millions) | 9.1950% | 298 |
| Cash dividends to net income (ytd only)* | 287.5776% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 6,670 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 5,555 |
| Noncurrent loans to loans | 0.1658% | 5,984 |
| Net loans and leases to total assets | 48.8730% | 5,127 |
| Net loans and leases to deposits | 57.2724% | 5,107 |
| Net loans and leases to core deposits | 58.0398% | 5,340 |
| Total domestic deposits to total assets | 85.3344% | 3,875 |
| Equity capital to assets | 14.4413% | 894 |
| Core capital (leverage) ratio | 14.2246% | 738 |
| Tier 1 risk-based capital ratio | 27.0091% | 706 |
| Total risk-based capital ratio | 27.6069% | 742 |
| Memoranda: | ||
| Average total assets | $71,915,500 | 5,563 |
| Average earning assets | $66,215,500 | 5,538 |
| Average equity | $10,806,000 | 4,807 |
| Average total loans | $36,590,000 | 5,588 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 5,900 |
| Cost of funding earning assets | 0.8022% | 2,649 |
| Net interest margin | 2.9685% | 6,104 |
| Noninterest income to average assets | 0.1243% | 6,415 |
| Noninterest expense to average assets | 1.7474% | 6,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0724% | 2,047 |
| Return on assets (ROA) | 1.0724% | 2,234 |
| Pretax return on assets | 1.0724% | 3,266 |
| Return on Equity (ROE) | 6.9631% | 3,664 |
| Retained earnings to average equity (ytd only) | 2.6182% | 4,390 |
| Net charge-offs to loans | -0.0331% | 6,628 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9682% | 5,242 |
| Assets per employee ($millions) | 8.7839% | 351 |
| Cash dividends to net income (ytd only)* | 62.3989% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 6,784 |
| Loan loss allowance to noncurrent loans | 285.3333% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 5,523 |
| Noncurrent loans to loans | 0.2027% | 5,965 |
| Net loans and leases to total assets | 52.3502% | 4,876 |
| Net loans and leases to deposits | 62.2559% | 4,756 |
| Net loans and leases to core deposits | 63.1406% | 5,047 |
| Total domestic deposits to total assets | 84.0887% | 4,276 |
| Equity capital to assets | 15.6380% | 614 |
| Core capital (leverage) ratio | 14.9560% | 580 |
| Tier 1 risk-based capital ratio | 27.7039% | 644 |
| Total risk-based capital ratio | 28.2631% | 681 |
| Memoranda: | ||
| Average total assets | $69,188,000 | 5,648 |
| Average earning assets | $62,826,400 | 5,643 |
| Average equity | $10,656,200 | 4,826 |
| Average total loans | $33,223,000 | 5,787 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 6,034 |
| Cost of funding earning assets | 0.8190% | 2,786 |
| Net interest margin | 2.9787% | 6,207 |
| Noninterest income to average assets | 0.1199% | 6,538 |
| Noninterest expense to average assets | 1.6599% | 6,818 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1550% | 1,885 |
| Return on assets (ROA) | 1.1550% | 2,081 |
| Pretax return on assets | 1.1550% | 3,143 |
| Return on Equity (ROE) | 7.5284% | 3,512 |
| Retained earnings to average equity (ytd only) | 1.6898% | 5,486 |
| Net charge-offs to loans | -0.0331% | 6,598 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9691% | 5,665 |
| Assets per employee ($millions) | 8.6691% | 373 |
| Cash dividends to net income (ytd only)* | 77.5547% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 6,855 |
| Loan loss allowance to noncurrent loans | 277.6316% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 5,712 |
| Noncurrent loans to loans | 0.2190% | 6,064 |
| Net loans and leases to total assets | 49.7311% | 5,344 |
| Net loans and leases to deposits | 59.1666% | 5,297 |
| Net loans and leases to core deposits | 60.0171% | 5,556 |
| Total domestic deposits to total assets | 84.0526% | 4,188 |
| Equity capital to assets | 15.6605% | 674 |
| Core capital (leverage) ratio | 15.1145% | 593 |
| Tier 1 risk-based capital ratio | 28.3861% | 620 |
| Total risk-based capital ratio | 28.9588% | 672 |
| Memoranda: | ||
| Average total assets | $68,917,250 | 5,718 |
| Average earning assets | $62,353,250 | 5,728 |
| Average equity | $10,573,000 | 4,897 |
| Average total loans | $32,278,500 | 5,912 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 6,033 |
| Cost of funding earning assets | 0.8366% | 2,896 |
| Net interest margin | 3.0119% | 6,218 |
| Noninterest income to average assets | 0.1192% | 6,588 |
| Noninterest expense to average assets | 1.7100% | 6,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1313% | 1,944 |
| Return on assets (ROA) | 1.1313% | 2,160 |
| Pretax return on assets | 1.1313% | 3,188 |
| Return on Equity (ROE) | 7.4258% | 3,557 |
| Retained earnings to average equity (ytd only) | -1.4126% | 6,272 |
| Net charge-offs to loans | -0.0699% | 6,756 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1842% | 5,544 |
| Assets per employee ($millions) | 8.7556% | 352 |
| Cash dividends to net income (ytd only)* | 119.0231% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 6,843 |
| Loan loss allowance to noncurrent loans | 403.7736% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 5,890 |
| Noncurrent loans to loans | 0.1692% | 6,245 |
| Net loans and leases to total assets | 44.4272% | 5,971 |
| Net loans and leases to deposits | 52.5543% | 5,986 |
| Net loans and leases to core deposits | 52.8623% | 6,171 |
| Total domestic deposits to total assets | 84.5357% | 4,086 |
| Equity capital to assets | 15.1817% | 738 |
| Core capital (leverage) ratio | 14.7239% | 647 |
| Tier 1 risk-based capital ratio | 29.4630% | 546 |
| Total risk-based capital ratio | 30.0782% | 569 |
| Memoranda: | ||
| Average total assets | $68,772,000 | 5,763 |
| Average earning assets | $62,154,000 | 5,760 |
| Average equity | $10,477,000 | 4,918 |
| Average total loans | $31,471,000 | 5,991 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 5,939 |
| Cost of funding earning assets | 0.8437% | 3,113 |
| Net interest margin | 3.0893% | 6,082 |
| Noninterest income to average assets | 0.1174% | 6,667 |
| Noninterest expense to average assets | 1.9784% | 6,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9334% | 2,775 |
| Return on assets (ROA) | 0.9334% | 2,976 |
| Pretax return on assets | 0.9334% | 3,918 |
| Return on Equity (ROE) | 6.1163% | 4,233 |
| Retained earnings to average equity (ytd only) | -11.6940% | 6,891 |
| Net charge-offs to loans | -0.0634% | 6,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9435% | 4,184 |
| Assets per employee ($millions) | 8.7734% | 352 |
| Cash dividends to net income (ytd only)* | 291.1950% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 6,929 |
| Loan loss allowance to noncurrent loans | 433.3333% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 6,015 |
| Noncurrent loans to loans | 0.1511% | 6,378 |
| Net loans and leases to total assets | 44.9542% | 5,901 |
| Net loans and leases to deposits | 52.7520% | 5,921 |
| Net loans and leases to core deposits | 53.0580% | 6,125 |
| Total domestic deposits to total assets | 85.2181% | 3,924 |
| Equity capital to assets | 14.4941% | 865 |
| Core capital (leverage) ratio | 14.8615% | 624 |
| Tier 1 risk-based capital ratio | 28.5157% | 601 |
| Total risk-based capital ratio | 29.1077% | 637 |
| Memoranda: | ||
| Average total assets | $68,135,500 | 5,822 |
| Average earning assets | $61,632,500 | 5,820 |
| Average equity | $10,398,500 | 4,942 |
| Average total loans | $31,540,000 | 6,034 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 5,619 |
| Cost of funding earning assets | 0.9516% | 3,711 |
| Net interest margin | 3.3927% | 5,505 |
| Noninterest income to average assets | 0.1386% | 6,462 |
| Noninterest expense to average assets | 1.7795% | 6,979 |
| Loan and lease loss provision to assets | 0.2257% | 3,947 |
| Net operating income to assets | 1.2470% | 1,388 |
| Return on assets (ROA) | 1.2470% | 1,488 |
| Pretax return on assets | 1.2470% | 2,305 |
| Return on Equity (ROE) | 7.9364% | 2,941 |
| Retained earnings to average equity (ytd only) | 3.6957% | 3,580 |
| Net charge-offs to loans | 0.6073% | 2,629 |
| Credit loss provision to net charge-offs | 75.1295% | 4,668 |
| Earnings coverage of net charge-offs (x) | 4.9016% | 2,947 |
| Efficiency ratio | 54.7152% | 6,449 |
| Assets per employee ($millions) | 8.2605% | 429 |
| Cash dividends to net income (ytd only)* | 53.4332% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 6,963 |
| Loan loss allowance to noncurrent loans | 451.1111% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 6,065 |
| Noncurrent loans to loans | 0.1437% | 6,453 |
| Net loans and leases to total assets | 47.0870% | 5,915 |
| Net loans and leases to deposits | 56.3214% | 5,862 |
| Net loans and leases to core deposits | 56.6753% | 6,109 |
| Total domestic deposits to total assets | 83.6042% | 4,495 |
| Equity capital to assets | 16.0765% | 569 |
| Core capital (leverage) ratio | 15.6763% | 501 |
| Tier 1 risk-based capital ratio | 30.1525% | 513 |
| Total risk-based capital ratio | 30.7454% | 533 |
| Memoranda: | ||
| Average total assets | $64,232,600 | 5,916 |
| Average earning assets | $58,950,600 | 5,903 |
| Average equity | $10,092,800 | 4,988 |
| Average total loans | $31,778,200 | 6,085 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 5,463 |
| Cost of funding earning assets | 0.9661% | 3,924 |
| Net interest margin | 3.4734% | 5,303 |
| Noninterest income to average assets | 0.1296% | 6,607 |
| Noninterest expense to average assets | 1.6873% | 7,105 |
| Loan and lease loss provision to assets | 0.2509% | 3,498 |
| Net operating income to assets | 1.3862% | 1,187 |
| Return on assets (ROA) | 1.3862% | 1,263 |
| Pretax return on assets | 1.3862% | 1,980 |
| Return on Equity (ROE) | 8.8753% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.1459% | 4,457 |
| Net charge-offs to loans | 0.8612% | 1,845 |
| Credit loss provision to net charge-offs | 58.2524% | 4,845 |
| Earnings coverage of net charge-offs (x) | 3.8010% | 3,291 |
| Efficiency ratio | 50.7547% | 6,784 |
| Assets per employee ($millions) | 8.1838% | 439 |
| Cash dividends to net income (ytd only)* | 64.5546% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5168% | 7,157 |
| Loan loss allowance to noncurrent loans | 358.6957% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 6,151 |
| Noncurrent loans to loans | 0.1441% | 6,584 |
| Net loans and leases to total assets | 48.5138% | 5,895 |
| Net loans and leases to deposits | 58.0563% | 5,837 |
| Net loans and leases to core deposits | 58.4204% | 6,096 |
| Total domestic deposits to total assets | 83.5635% | 4,452 |
| Equity capital to assets | 16.0852% | 614 |
| Core capital (leverage) ratio | 15.7210% | 545 |
| Tier 1 risk-based capital ratio | 29.8803% | 542 |
| Total risk-based capital ratio | 30.3644% | 578 |
| Memoranda: | ||
| Average total assets | $63,769,750 | 5,969 |
| Average earning assets | $58,654,500 | 5,951 |
| Average equity | $9,960,000 | 5,041 |
| Average total loans | $31,892,750 | 6,142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 5,523 |
| Cost of funding earning assets | 0.9738% | 4,133 |
| Net interest margin | 3.4768% | 5,261 |
| Noninterest income to average assets | 0.1266% | 6,695 |
| Noninterest expense to average assets | 1.7151% | 7,166 |
| Loan and lease loss provision to assets | 0.3797% | 2,513 |
| Net operating income to assets | 1.2404% | 1,460 |
| Return on assets (ROA) | 1.2404% | 1,536 |
| Pretax return on assets | 1.2404% | 2,342 |
| Return on Equity (ROE) | 8.0248% | 2,935 |
| Retained earnings to average equity (ytd only) | -0.7370% | 6,005 |
| Net charge-offs to loans | 1.3237% | 1,156 |
| Credit loss provision to net charge-offs | 56.8720% | 4,417 |
| Earnings coverage of net charge-offs (x) | 2.4265% | 3,604 |
| Efficiency ratio | 51.4231% | 6,834 |
| Assets per employee ($millions) | 9.1551% | 312 |
| Cash dividends to net income (ytd only)* | 109.1837% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5022% | 7,223 |
| Loan loss allowance to noncurrent loans | 363.6364% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 6,194 |
| Noncurrent loans to loans | 0.1381% | 6,633 |
| Net loans and leases to total assets | 49.4632% | 5,890 |
| Net loans and leases to deposits | 58.9562% | 5,825 |
| Net loans and leases to core deposits | 59.3325% | 6,154 |
| Total domestic deposits to total assets | 83.8982% | 4,393 |
| Equity capital to assets | 15.7648% | 646 |
| Core capital (leverage) ratio | 15.2408% | 624 |
| Tier 1 risk-based capital ratio | 30.0233% | 531 |
| Total risk-based capital ratio | 30.5079% | 566 |
| Memoranda: | ||
| Average total assets | $63,203,000 | 6,041 |
| Average earning assets | $58,330,330 | 6,015 |
| Average equity | $9,769,670 | 5,107 |
| Average total loans | $31,881,330 | 6,205 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 5,530 |
| Cost of funding earning assets | 0.9841% | 4,316 |
| Net interest margin | 3.4614% | 5,178 |
| Noninterest income to average assets | 0.1211% | 6,812 |
| Noninterest expense to average assets | 1.8100% | 7,123 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5169% | 844 |
| Return on assets (ROA) | 1.5169% | 884 |
| Pretax return on assets | 1.5169% | 1,396 |
| Return on Equity (ROE) | 9.9136% | 2,129 |
| Retained earnings to average equity (ytd only) | -7.9142% | 6,745 |
| Net charge-offs to loans | -0.0376% | 6,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4061% | 6,659 |
| Assets per employee ($millions) | 9.3157% | 300 |
| Cash dividends to net income (ytd only)* | 179.8319% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 6,923 |
| Loan loss allowance to noncurrent loans | 54.3897% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 5,510 |
| Noncurrent loans to loans | 1.4691% | 4,264 |
| Net loans and leases to total assets | 48.3591% | 6,038 |
| Net loans and leases to deposits | 56.8208% | 6,049 |
| Net loans and leases to core deposits | 57.5372% | 6,301 |
| Total domestic deposits to total assets | 85.1081% | 3,985 |
| Equity capital to assets | 14.5560% | 866 |
| Core capital (leverage) ratio | 15.1126% | 645 |
| Tier 1 risk-based capital ratio | 29.2233% | 558 |
| Total risk-based capital ratio | 29.9838% | 581 |
| Memoranda: | ||
| Average total assets | $62,761,500 | 6,103 |
| Average earning assets | $58,126,000 | 6,060 |
| Average equity | $9,603,000 | 5,147 |
| Average total loans | $31,892,500 | 6,248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 5,848 |
| Cost of funding earning assets | 1.1474% | 4,867 |
| Net interest margin | 3.5381% | 5,086 |
| Noninterest income to average assets | 0.1429% | 6,678 |
| Noninterest expense to average assets | 1.7998% | 7,266 |
| Loan and lease loss provision to assets | 0.3324% | 4,158 |
| Net operating income to assets | 1.3212% | 1,121 |
| Return on assets (ROA) | 1.3212% | 1,189 |
| Pretax return on assets | 1.3212% | 1,881 |
| Return on Equity (ROE) | 8.2244% | 2,612 |
| Retained earnings to average equity (ytd only) | 4.1484% | 2,945 |
| Net charge-offs to loans | 0.2687% | 4,681 |
| Credit loss provision to net charge-offs | 232.5581% | 1,266 |
| Earnings coverage of net charge-offs (x) | 11.5698% | 1,592 |
| Efficiency ratio | 52.1174% | 6,979 |
| Assets per employee ($millions) | 8.6161% | 384 |
| Cash dividends to net income (ytd only)* | 49.5597% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 7,002 |
| Loan loss allowance to noncurrent loans | 52.6205% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 5,431 |
| Noncurrent loans to loans | 1.4908% | 4,243 |
| Net loans and leases to total assets | 52.6338% | 5,832 |
| Net loans and leases to deposits | 62.9799% | 5,746 |
| Net loans and leases to core deposits | 63.8553% | 6,063 |
| Total domestic deposits to total assets | 83.5724% | 4,573 |
| Equity capital to assets | 16.1060% | 567 |
| Core capital (leverage) ratio | 15.9730% | 515 |
| Tier 1 risk-based capital ratio | 30.8014% | 477 |
| Total risk-based capital ratio | 31.5783% | 489 |
| Memoranda: | ||
| Average total assets | $60,173,800 | 6,189 |
| Average earning assets | $56,301,600 | 6,125 |
| Average equity | $9,666,400 | 5,221 |
| Average total loans | $32,003,800 | 6,316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 6,011 |
| Cost of funding earning assets | 1.1643% | 5,063 |
| Net interest margin | 3.5378% | 5,152 |
| Noninterest income to average assets | 0.1352% | 6,877 |
| Noninterest expense to average assets | 1.7293% | 7,414 |
| Loan and lease loss provision to assets | 0.3769% | 3,631 |
| Net operating income to assets | 1.3568% | 1,204 |
| Return on assets (ROA) | 1.3568% | 1,288 |
| Pretax return on assets | 1.3568% | 2,014 |
| Return on Equity (ROE) | 8.4518% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.0106% | 4,329 |
| Net charge-offs to loans | 0.3624% | 3,849 |
| Credit loss provision to net charge-offs | 195.4023% | 1,826 |
| Earnings coverage of net charge-offs (x) | 8.9883% | 2,083 |
| Efficiency ratio | 49.9360% | 7,160 |
| Assets per employee ($millions) | 8.9164% | 357 |
| Cash dividends to net income (ytd only)* | 64.3790% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 7,204 |
| Loan loss allowance to noncurrent loans | 46.7091% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 5,597 |
| Noncurrent loans to loans | 1.4917% | 4,400 |
| Net loans and leases to total assets | 50.2347% | 6,298 |
| Net loans and leases to deposits | 60.0824% | 6,308 |
| Net loans and leases to core deposits | 60.4729% | 6,573 |
| Total domestic deposits to total assets | 83.6097% | 4,317 |
| Equity capital to assets | 16.0442% | 663 |
| Core capital (leverage) ratio | 16.1411% | 536 |
| Tier 1 risk-based capital ratio | 30.4031% | 494 |
| Total risk-based capital ratio | 31.0879% | 511 |
| Memoranda: | ||
| Average total assets | $60,139,000 | 6,264 |
| Average earning assets | $56,568,750 | 6,183 |
| Average equity | $9,654,500 | 5,301 |
| Average total loans | $32,005,750 | 6,393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 5,920 |
| Cost of funding earning assets | 1.2137% | 5,052 |
| Net interest margin | 3.5484% | 5,055 |
| Noninterest income to average assets | 0.1314% | 6,931 |
| Noninterest expense to average assets | 1.7278% | 7,481 |
| Loan and lease loss provision to assets | 0.3873% | 3,397 |
| Net operating income to assets | 1.3641% | 1,162 |
| Return on assets (ROA) | 1.3641% | 1,231 |
| Pretax return on assets | 1.3641% | 1,909 |
| Return on Equity (ROE) | 8.4953% | 2,671 |
| Retained earnings to average equity (ytd only) | 0.2307% | 5,661 |
| Net charge-offs to loans | 0.1244% | 4,947 |
| Credit loss provision to net charge-offs | 575.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,013 |
| Efficiency ratio | 49.6612% | 7,248 |
| Assets per employee ($millions) | 8.5483% | 403 |
| Cash dividends to net income (ytd only)* | 97.2840% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 7,210 |
| Loan loss allowance to noncurrent loans | 43.2030% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 5,323 |
| Noncurrent loans to loans | 1.6607% | 4,204 |
| Net loans and leases to total assets | 53.6499% | 6,027 |
| Net loans and leases to deposits | 64.5144% | 5,974 |
| Net loans and leases to core deposits | 64.9543% | 6,317 |
| Total domestic deposits to total assets | 83.1595% | 4,498 |
| Equity capital to assets | 16.3391% | 622 |
| Core capital (leverage) ratio | 16.0285% | 565 |
| Tier 1 risk-based capital ratio | 29.5375% | 539 |
| Total risk-based capital ratio | 30.2543% | 562 |
| Memoranda: | ||
| Average total assets | $59,380,330 | 6,333 |
| Average earning assets | $56,025,330 | 6,242 |
| Average equity | $9,534,670 | 5,333 |
| Average total loans | $32,149,670 | 6,431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7131% | 6,204 |
| Cost of funding earning assets | 1.2769% | 4,953 |
| Net interest margin | 3.4362% | 5,443 |
| Noninterest income to average assets | 0.1217% | 7,078 |
| Noninterest expense to average assets | 1.9881% | 7,181 |
| Loan and lease loss provision to assets | 0.4734% | 2,607 |
| Net operating income to assets | 0.8994% | 2,545 |
| Return on assets (ROA) | 0.8994% | 2,618 |
| Pretax return on assets | 0.8994% | 3,475 |
| Return on Equity (ROE) | 5.6515% | 4,033 |
| Retained earnings to average equity (ytd only) | -11.0905% | 7,020 |
| Net charge-offs to loans | 0.2246% | 3,584 |
| Credit loss provision to net charge-offs | 388.8889% | 1,050 |
| Earnings coverage of net charge-offs (x) | 11.2778% | 1,661 |
| Efficiency ratio | 59.1549% | 6,314 |
| Assets per employee ($millions) | 8.6647% | 396 |
| Cash dividends to net income (ytd only)* | 296.2406% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 7,504 |
| Loan loss allowance to noncurrent loans | 34.1772% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 5,332 |
| Noncurrent loans to loans | 1.7419% | 4,136 |
| Net loans and leases to total assets | 52.0304% | 6,269 |
| Net loans and leases to deposits | 61.8311% | 6,290 |
| Net loans and leases to core deposits | 62.2581% | 6,579 |
| Total domestic deposits to total assets | 84.1492% | 4,076 |
| Equity capital to assets | 15.3546% | 795 |
| Core capital (leverage) ratio | 15.7072% | 624 |
| Tier 1 risk-based capital ratio | 29.0168% | 580 |
| Total risk-based capital ratio | 29.6073% | 599 |
| Memoranda: | ||
| Average total assets | $59,151,500 | 6,422 |
| Average earning assets | $55,759,000 | 6,334 |
| Average equity | $9,413,500 | 5,420 |
| Average total loans | $32,057,000 | 6,519 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 6,884 |
| Cost of funding earning assets | 1.6612% | 4,722 |
| Net interest margin | 3.1678% | 6,186 |
| Noninterest income to average assets | 0.1459% | 7,012 |
| Noninterest expense to average assets | 1.9712% | 7,410 |
| Loan and lease loss provision to assets | 0.3393% | 4,769 |
| Net operating income to assets | 0.7973% | 2,548 |
| Return on assets (ROA) | 0.7973% | 2,635 |
| Pretax return on assets | 0.8601% | 3,051 |
| Return on Equity (ROE) | 5.0642% | 3,640 |
| Retained earnings to average equity (ytd only) | 5.0642% | 1,787 |
| Net charge-offs to loans | 0.8793% | 2,641 |
| Credit loss provision to net charge-offs | 71.9424% | 6,449 |
| Earnings coverage of net charge-offs (x) | 2.5432% | 3,852 |
| Efficiency ratio | 62.1723% | 6,126 |
| Assets per employee ($millions) | 8.2357% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4233% | 7,742 |
| Loan loss allowance to noncurrent loans | 24.0773% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 5,134 |
| Noncurrent loans to loans | 1.7580% | 4,000 |
| Net loans and leases to total assets | 55.9063% | 5,962 |
| Net loans and leases to deposits | 67.4254% | 5,896 |
| Net loans and leases to core deposits | 80.8073% | 6,014 |
| Total domestic deposits to total assets | 82.9159% | 4,557 |
| Equity capital to assets | 16.5030% | 619 |
| Core capital (leverage) ratio | 15.9797% | 620 |
| Tier 1 risk-based capital ratio | 29.3933% | 561 |
| Total risk-based capital ratio | 29.8150% | 592 |
| Memoranda: | ||
| Average total assets | $58,948,800 | 6,387 |
| Average earning assets | $56,285,800 | 6,280 |
| Average equity | $9,280,800 | 5,515 |
| Average total loans | $31,617,400 | 6,545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 7,139 |
| Cost of funding earning assets | 1.7143% | 4,828 |
| Net interest margin | 3.0753% | 6,384 |
| Noninterest income to average assets | 0.1395% | 7,180 |
| Noninterest expense to average assets | 2.0065% | 7,367 |
| Loan and lease loss provision to assets | 0.2587% | 4,887 |
| Net operating income to assets | 0.7288% | 3,104 |
| Return on assets (ROA) | 0.7288% | 3,167 |
| Pretax return on assets | 0.8120% | 3,502 |
| Return on Equity (ROE) | 4.6841% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.6841% | 2,663 |
| Net charge-offs to loans | 0.8739% | 2,220 |
| Credit loss provision to net charge-offs | 55.8252% | 6,230 |
| Earnings coverage of net charge-offs (x) | 2.3107% | 4,095 |
| Efficiency ratio | 65.2047% | 5,514 |
| Assets per employee ($millions) | 8.5346% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3862% | 7,837 |
| Loan loss allowance to noncurrent loans | 22.8361% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 5,258 |
| Noncurrent loans to loans | 1.6912% | 4,101 |
| Net loans and leases to total assets | 53.5352% | 6,440 |
| Net loans and leases to deposits | 64.1662% | 6,477 |
| Net loans and leases to core deposits | 78.6229% | 6,443 |
| Total domestic deposits to total assets | 83.4321% | 4,002 |
| Equity capital to assets | 15.8749% | 809 |
| Core capital (leverage) ratio | 15.6979% | 727 |
| Tier 1 risk-based capital ratio | 29.2695% | 614 |
| Total risk-based capital ratio | 29.6555% | 643 |
| Memoranda: | ||
| Average total assets | $59,273,500 | 6,411 |
| Average earning assets | $56,621,250 | 6,310 |
| Average equity | $9,222,500 | 5,581 |
| Average total loans | $31,430,000 | 6,602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 7,281 |
| Cost of funding earning assets | 1.7504% | 5,007 |
| Net interest margin | 3.0163% | 6,499 |
| Noninterest income to average assets | 0.1387% | 7,261 |
| Noninterest expense to average assets | 2.1923% | 7,076 |
| Loan and lease loss provision to assets | 0.3891% | 3,582 |
| Net operating income to assets | 0.3180% | 4,819 |
| Return on assets (ROA) | 0.3180% | 4,930 |
| Pretax return on assets | 0.4432% | 4,820 |
| Return on Equity (ROE) | 2.0579% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.0579% | 4,199 |
| Net charge-offs to loans | 1.3267% | 1,394 |
| Credit loss provision to net charge-offs | 55.5556% | 5,669 |
| Earnings coverage of net charge-offs (x) | 1.1884% | 4,637 |
| Efficiency ratio | 72.4832% | 4,316 |
| Assets per employee ($millions) | 8.5661% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3896% | 7,910 |
| Loan loss allowance to noncurrent loans | 22.2826% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 5,130 |
| Noncurrent loans to loans | 1.7486% | 3,886 |
| Net loans and leases to total assets | 52.4423% | 6,629 |
| Net loans and leases to deposits | 62.3162% | 6,712 |
| Net loans and leases to core deposits | 76.4254% | 6,645 |
| Total domestic deposits to total assets | 84.1552% | 3,672 |
| Equity capital to assets | 15.2311% | 978 |
| Core capital (leverage) ratio | 15.4280% | 839 |
| Tier 1 risk-based capital ratio | 29.0349% | 665 |
| Total risk-based capital ratio | 29.4242% | 689 |
| Memoranda: | ||
| Average total assets | $59,117,330 | 6,475 |
| Average earning assets | $56,559,330 | 6,365 |
| Average equity | $9,135,330 | 5,636 |
| Average total loans | $31,204,330 | 6,660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 7,135 |
| Cost of funding earning assets | 1.7772% | 5,227 |
| Net interest margin | 3.1383% | 6,068 |
| Noninterest income to average assets | 0.1295% | 7,364 |
| Noninterest expense to average assets | 2.3443% | 6,392 |
| Loan and lease loss provision to assets | 0.7837% | 1,638 |
| Net operating income to assets | -0.2181% | 6,582 |
| Return on assets (ROA) | -0.2181% | 6,659 |
| Pretax return on assets | 0.0341% | 6,314 |
| Return on Equity (ROE) | -1.4010% | 6,598 |
| Retained earnings to average equity (ytd only) | -1.4010% | 5,980 |
| Net charge-offs to loans | 0.1032% | 4,146 |
| Credit loss provision to net charge-offs | 1,437.5000% | 443 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,631 |
| Efficiency ratio | 74.1379% | 3,802 |
| Assets per employee ($millions) | 8.4211% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,923 |
| Loan loss allowance to noncurrent loans | 43.1058% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2672% | 4,143 |
| Noncurrent loans to loans | 2.3921% | 2,758 |
| Net loans and leases to total assets | 52.4293% | 6,638 |
| Net loans and leases to deposits | 62.3935% | 6,703 |
| Net loans and leases to core deposits | 75.5888% | 6,707 |
| Total domestic deposits to total assets | 84.0300% | 3,687 |
| Equity capital to assets | 15.4492% | 976 |
| Core capital (leverage) ratio | 15.5365% | 859 |
| Tier 1 risk-based capital ratio | 28.5832% | 712 |
| Total risk-based capital ratio | 29.6004% | 714 |
| Memoranda: | ||
| Average total assets | $58,694,500 | 6,517 |
| Average earning assets | $56,719,500 | 6,389 |
| Average equity | $9,136,500 | 5,643 |
| Average total loans | $31,022,000 | 6,697 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 7,521 |
| Cost of funding earning assets | 2.4583% | 4,434 |
| Net interest margin | 2.9014% | 7,153 |
| Noninterest income to average assets | 0.1201% | 7,520 |
| Noninterest expense to average assets | 1.8990% | 7,615 |
| Loan and lease loss provision to assets | 0.0845% | 6,329 |
| Net operating income to assets | 0.8184% | 3,355 |
| Return on assets (ROA) | 0.8184% | 3,197 |
| Pretax return on assets | 0.9267% | 3,634 |
| Return on Equity (ROE) | 5.2920% | 4,243 |
| Retained earnings to average equity (ytd only) | 0.9841% | 4,641 |
| Net charge-offs to loans | 0.2134% | 4,076 |
| Credit loss provision to net charge-offs | 76.9231% | 5,960 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 2,735 |
| Efficiency ratio | 65.2528% | 5,264 |
| Assets per employee ($millions) | 8.3487% | 413 |
| Cash dividends to net income (ytd only)* | 81.4050% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 7,430 |
| Loan loss allowance to noncurrent loans | 210.7843% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 6,865 |
| Noncurrent loans to loans | 0.3310% | 6,385 |
| Net loans and leases to total assets | 52.3622% | 6,814 |
| Net loans and leases to deposits | 62.6903% | 6,898 |
| Net loans and leases to core deposits | 76.9856% | 6,798 |
| Total domestic deposits to total assets | 83.5253% | 3,565 |
| Equity capital to assets | 15.6842% | 1,000 |
| Core capital (leverage) ratio | 15.4153% | 942 |
| Tier 1 risk-based capital ratio | 29.4830% | 669 |
| Total risk-based capital ratio | 30.1812% | 690 |
| Memoranda: | ||
| Average total assets | $59,137,400 | 6,410 |
| Average earning assets | $56,869,000 | 6,308 |
| Average equity | $9,145,800 | 5,690 |
| Average total loans | $30,455,400 | 6,679 |