Home > The National Iron Bank > Performance and Condition Ratios
The National Iron Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 4,161 |
| Cost of funding earning assets | 1.5875% | 3,003 |
| Net interest margin | 2.6162% | 3,932 |
| Noninterest income to average assets | 1.9200% | 271 |
| Noninterest expense to average assets | 2.2702% | 2,923 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 2.0287% | 436 |
| Return on assets (ROA) | 0.4412% | 3,685 |
| Pretax return on assets | 0.4747% | 3,748 |
| Return on Equity (ROE) | 5.6000% | 3,420 |
| Retained earnings to average equity (ytd only) | 2.7584% | 3,150 |
| Net charge-offs to loans | 0.0032% | 2,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 825.5000% | 124 |
| Efficiency ratio | 50.6280% | 3,855 |
| Assets per employee ($millions) | 9.7215% | 866 |
| Cash dividends to net income (ytd only)* | 50.7599% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4284% | 4,295 |
| Loan loss allowance to noncurrent loans | 2,062.7451% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,621 |
| Noncurrent loans to loans | 0.0208% | 3,615 |
| Net loans and leases to total assets | 81.1300% | 490 |
| Net loans and leases to deposits | 88.3477% | 1,271 |
| Net loans and leases to core deposits | 93.4211% | 1,812 |
| Total domestic deposits to total assets | 91.8300% | 328 |
| Equity capital to assets | 8.0483% | 3,568 |
| Core capital (leverage) ratio | 8.8571% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4471% | 971 |
| Memoranda: | ||
| Average total assets | $298,295,000 | 2,487 |
| Average earning assets | $292,786,500 | 2,404 |
| Average equity | $23,492,000 | 2,791 |
| Average total loans | $246,425,000 | 2,133 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 4,193 |
| Cost of funding earning assets | 1.8890% | 2,488 |
| Net interest margin | 2.2591% | 4,116 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.0405% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.3895% | 3,698 |
| Return on assets (ROA) | 0.3895% | 3,726 |
| Pretax return on assets | 0.3966% | 3,797 |
| Return on Equity (ROE) | 5.1800% | 3,469 |
| Retained earnings to average equity (ytd only) | 2.1931% | 3,304 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 83.8318% | 801 |
| Assets per employee ($millions) | 9.8407% | 817 |
| Cash dividends to net income (ytd only)* | 57.6227% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4258% | 4,316 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 83.4100% | 319 |
| Net loans and leases to deposits | 92.4323% | 997 |
| Net loans and leases to core deposits | 98.1212% | 1,579 |
| Total domestic deposits to total assets | 90.2400% | 742 |
| Equity capital to assets | 7.6990% | 3,672 |
| Core capital (leverage) ratio | 8.8085% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2764% | 1,002 |
| Memoranda: | ||
| Average total assets | $298,066,800 | 2,474 |
| Average earning assets | $292,108,200 | 2,380 |
| Average equity | $22,434,200 | 2,805 |
| Average total loans | $249,049,800 | 2,086 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 4,206 |
| Cost of funding earning assets | 1.9305% | 2,384 |
| Net interest margin | 2.2009% | 4,167 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.0505% | 3,448 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.3231% | 3,824 |
| Return on assets (ROA) | 0.3231% | 3,855 |
| Pretax return on assets | 0.3325% | 3,907 |
| Return on Equity (ROE) | 4.3200% | 3,666 |
| Retained earnings to average equity (ytd only) | 1.3237% | 3,634 |
| Net charge-offs to loans | 0.0005% | 2,820 |
| Credit loss provision to net charge-offs | 1,500.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 725.0000% | 180 |
| Efficiency ratio | 86.3722% | 689 |
| Assets per employee ($millions) | 9.8923% | 798 |
| Cash dividends to net income (ytd only)* | 69.3370% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4245% | 4,354 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 83.1600% | 318 |
| Net loans and leases to deposits | 92.5386% | 992 |
| Net loans and leases to core deposits | 98.3102% | 1,596 |
| Total domestic deposits to total assets | 89.8700% | 627 |
| Equity capital to assets | 7.7330% | 3,862 |
| Core capital (leverage) ratio | 8.6407% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2596% | 1,048 |
| Memoranda: | ||
| Average total assets | $298,778,000 | 2,462 |
| Average earning assets | $292,840,500 | 2,381 |
| Average equity | $22,360,500 | 2,804 |
| Average total loans | $249,487,000 | 2,068 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 4,226 |
| Cost of funding earning assets | 1.9646% | 2,210 |
| Net interest margin | 2.1214% | 4,227 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 2.0124% | 3,534 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.2845% | 3,870 |
| Return on assets (ROA) | 0.2845% | 3,908 |
| Pretax return on assets | 0.2985% | 3,938 |
| Return on Equity (ROE) | 3.8400% | 3,754 |
| Retained earnings to average equity (ytd only) | 0.8211% | 3,647 |
| Net charge-offs to loans | 0.0008% | 2,589 |
| Credit loss provision to net charge-offs | 1,500.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 295 |
| Efficiency ratio | 87.8682% | 665 |
| Assets per employee ($millions) | 10.3444% | 663 |
| Cash dividends to net income (ytd only)* | 78.6385% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4193% | 4,375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.3600% | 340 |
| Net loans and leases to deposits | 100.8717% | 509 |
| Net loans and leases to core deposits | 106.1337% | 1,150 |
| Total domestic deposits to total assets | 82.6400% | 2,941 |
| Equity capital to assets | 7.4116% | 3,776 |
| Core capital (leverage) ratio | 8.5198% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4788% | 1,002 |
| Memoranda: | ||
| Average total assets | $299,448,000 | 2,458 |
| Average earning assets | $293,394,667 | 2,364 |
| Average equity | $22,164,333 | 2,778 |
| Average total loans | $250,034,000 | 2,067 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 4,219 |
| Cost of funding earning assets | 1.9111% | 2,222 |
| Net interest margin | 2.1403% | 4,229 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 2.0670% | 3,406 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | 0.2407% | 3,913 |
| Return on assets (ROA) | 0.2407% | 3,952 |
| Pretax return on assets | 0.2594% | 3,963 |
| Return on Equity (ROE) | 3.2500% | 3,803 |
| Retained earnings to average equity (ytd only) | 0.2350% | 3,652 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 89.7272% | 600 |
| Assets per employee ($millions) | 10.2688% | 680 |
| Cash dividends to net income (ytd only)* | 92.7778% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4230% | 4,362 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 83.3300% | 313 |
| Net loans and leases to deposits | 95.6677% | 743 |
| Net loans and leases to core deposits | 101.2399% | 1,344 |
| Total domestic deposits to total assets | 87.1000% | 1,743 |
| Equity capital to assets | 7.4078% | 3,724 |
| Core capital (leverage) ratio | 8.4844% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1928% | 1,055 |
| Memoranda: | ||
| Average total assets | $299,178,000 | 2,465 |
| Average earning assets | $293,234,500 | 2,372 |
| Average equity | $22,129,500 | 2,788 |
| Average total loans | $249,490,500 | 2,057 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,177 |
| Cost of funding earning assets | 1.5141% | 1,913 |
| Net interest margin | 2.2898% | 4,270 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.0003% | 3,636 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4013% | 3,866 |
| Return on assets (ROA) | 0.4013% | 3,860 |
| Pretax return on assets | 0.4294% | 3,921 |
| Return on Equity (ROE) | 5.5900% | 3,611 |
| Retained earnings to average equity (ytd only) | 1.8383% | 3,613 |
| Net charge-offs to loans | 0.0066% | 2,445 |
| Credit loss provision to net charge-offs | -12.5000% | 4,425 |
| Earnings coverage of net charge-offs (x) | 83.8750% | 991 |
| Efficiency ratio | 81.4615% | 813 |
| Assets per employee ($millions) | 10.7343% | 575 |
| Cash dividends to net income (ytd only)* | 67.1175% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4160% | 4,380 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 82.7600% | 369 |
| Net loans and leases to deposits | 98.6704% | 608 |
| Net loans and leases to core deposits | 104.8743% | 1,172 |
| Total domestic deposits to total assets | 83.8800% | 2,656 |
| Equity capital to assets | 7.3859% | 3,777 |
| Core capital (leverage) ratio | 8.4950% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0895% | 1,252 |
| Memoranda: | ||
| Average total assets | $294,799,800 | 2,446 |
| Average earning assets | $288,756,200 | 2,356 |
| Average equity | $21,161,200 | 2,763 |
| Average total loans | $243,861,600 | 2,037 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 4,180 |
| Cost of funding earning assets | 1.4112% | 1,840 |
| Net interest margin | 2.3184% | 4,293 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.9920% | 3,613 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4468% | 3,878 |
| Return on assets (ROA) | 0.4468% | 3,874 |
| Pretax return on assets | 0.4777% | 3,941 |
| Return on Equity (ROE) | 6.2700% | 3,595 |
| Retained earnings to average equity (ytd only) | 2.2773% | 3,671 |
| Net charge-offs to loans | 0.0039% | 2,356 |
| Credit loss provision to net charge-offs | -657.1429% | 4,583 |
| Earnings coverage of net charge-offs (x) | 152.2857% | 717 |
| Efficiency ratio | 80.4368% | 835 |
| Assets per employee ($millions) | 9.6878% | 748 |
| Cash dividends to net income (ytd only)* | 63.6826% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4025% | 4,408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 82.7100% | 382 |
| Net loans and leases to deposits | 97.2372% | 661 |
| Net loans and leases to core deposits | 101.9733% | 1,215 |
| Total domestic deposits to total assets | 85.0600% | 2,479 |
| Equity capital to assets | 7.1220% | 3,555 |
| Core capital (leverage) ratio | 8.6073% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8989% | 1,122 |
| Memoranda: | ||
| Average total assets | $293,359,500 | 2,460 |
| Average earning assets | $287,313,000 | 2,374 |
| Average equity | $20,901,750 | 2,772 |
| Average total loans | $242,380,750 | 2,044 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,173 |
| Cost of funding earning assets | 1.3500% | 1,579 |
| Net interest margin | 2.3212% | 4,350 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.9413% | 3,734 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.5120% | 3,785 |
| Return on assets (ROA) | 0.5120% | 3,792 |
| Pretax return on assets | 0.5463% | 3,888 |
| Return on Equity (ROE) | 7.1800% | 3,446 |
| Retained earnings to average equity (ytd only) | 2.7580% | 3,545 |
| Net charge-offs to loans | 0.0050% | 2,092 |
| Credit loss provision to net charge-offs | -1,183.3333% | 4,624 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 809 |
| Efficiency ratio | 78.4069% | 972 |
| Assets per employee ($millions) | 10.7236% | 546 |
| Cash dividends to net income (ytd only)* | 61.6107% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 4,438 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.6400% | 359 |
| Net loans and leases to deposits | 97.8134% | 620 |
| Net loans and leases to core deposits | 101.7447% | 1,146 |
| Total domestic deposits to total assets | 84.4900% | 2,694 |
| Equity capital to assets | 7.4889% | 3,526 |
| Core capital (leverage) ratio | 8.6595% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2020% | 1,085 |
| Memoranda: | ||
| Average total assets | $291,038,333 | 2,478 |
| Average earning assets | $285,027,333 | 2,395 |
| Average equity | $20,739,333 | 2,797 |
| Average total loans | $240,037,333 | 2,050 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 4,125 |
| Cost of funding earning assets | 1.1577% | 1,564 |
| Net interest margin | 2.4680% | 4,334 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.8890% | 3,872 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6539% | 3,573 |
| Return on assets (ROA) | 0.6539% | 3,530 |
| Pretax return on assets | 0.7019% | 3,658 |
| Return on Equity (ROE) | 9.4100% | 2,945 |
| Retained earnings to average equity (ytd only) | 2.0328% | 3,699 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4120% | 1,505 |
| Assets per employee ($millions) | 10.4294% | 603 |
| Cash dividends to net income (ytd only)* | 78.4067% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4071% | 4,496 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.0200% | 377 |
| Net loans and leases to deposits | 103.2047% | 324 |
| Net loans and leases to core deposits | 106.6018% | 814 |
| Total domestic deposits to total assets | 79.4800% | 3,837 |
| Equity capital to assets | 7.9261% | 3,295 |
| Core capital (leverage) ratio | 8.5616% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7540% | 1,198 |
| Memoranda: | ||
| Average total assets | $291,789,500 | 2,508 |
| Average earning assets | $285,736,500 | 2,425 |
| Average equity | $20,267,500 | 2,866 |
| Average total loans | $239,929,500 | 2,070 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2132% | 3,800 |
| Cost of funding earning assets | 0.3352% | 2,588 |
| Net interest margin | 2.8779% | 3,735 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.9719% | 3,659 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9325% | 2,835 |
| Return on assets (ROA) | 0.9325% | 2,781 |
| Pretax return on assets | 0.9892% | 3,102 |
| Return on Equity (ROE) | 15.2400% | 1,202 |
| Retained earnings to average equity (ytd only) | 11.5174% | 774 |
| Net charge-offs to loans | -0.0005% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0410% | 2,360 |
| Assets per employee ($millions) | 10.7984% | 531 |
| Cash dividends to net income (ytd only)* | 24.4505% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4044% | 4,496 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.7600% | 429 |
| Net loans and leases to deposits | 98.2484% | 512 |
| Net loans and leases to core deposits | 102.7363% | 863 |
| Total domestic deposits to total assets | 83.2200% | 3,371 |
| Equity capital to assets | 5.9642% | 4,101 |
| Core capital (leverage) ratio | 6.7874% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5169% | 2,159 |
| Memoranda: | ||
| Average total assets | $273,239,000 | 2,587 |
| Average earning assets | $268,178,000 | 2,502 |
| Average equity | $16,713,800 | 3,224 |
| Average total loans | $215,505,200 | 2,130 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1324% | 3,595 |
| Cost of funding earning assets | 0.2108% | 3,139 |
| Net interest margin | 2.9216% | 3,429 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.9732% | 3,547 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9638% | 2,612 |
| Return on assets (ROA) | 0.9638% | 2,586 |
| Pretax return on assets | 1.0218% | 2,959 |
| Return on Equity (ROE) | 15.6500% | 1,051 |
| Retained earnings to average equity (ytd only) | 11.7575% | 850 |
| Net charge-offs to loans | -0.0013% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0877% | 2,542 |
| Assets per employee ($millions) | 10.0665% | 650 |
| Cash dividends to net income (ytd only)* | 24.8713% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4139% | 4,535 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 80.6700% | 475 |
| Net loans and leases to deposits | 93.1861% | 687 |
| Net loans and leases to core deposits | 96.2035% | 989 |
| Total domestic deposits to total assets | 86.5700% | 2,897 |
| Equity capital to assets | 5.8975% | 4,003 |
| Core capital (leverage) ratio | 6.9389% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3665% | 2,332 |
| Memoranda: | ||
| Average total assets | $268,659,750 | 2,634 |
| Average earning assets | $263,729,500 | 2,548 |
| Average equity | $16,545,000 | 3,270 |
| Average total loans | $209,544,250 | 2,174 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0924% | 3,329 |
| Cost of funding earning assets | 0.1857% | 3,106 |
| Net interest margin | 2.9067% | 3,149 |
| Noninterest income to average assets | 0.2059% | 3,961 |
| Noninterest expense to average assets | 1.9367% | 3,613 |
| Loan and lease loss provision to assets | 0.0991% | 1,008 |
| Net operating income to assets | 0.9695% | 2,271 |
| Return on assets (ROA) | 0.9695% | 2,246 |
| Pretax return on assets | 1.0248% | 2,641 |
| Return on Equity (ROE) | 15.5094% | 795 |
| Retained earnings to average equity (ytd only) | 11.3445% | 728 |
| Net charge-offs to loans | 0.0010% | 2,114 |
| Credit loss provision to net charge-offs | 12,900.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 1,485.0000% | 78 |
| Efficiency ratio | 63.2789% | 2,873 |
| Assets per employee ($millions) | 10.3935% | 586 |
| Cash dividends to net income (ytd only)* | 26.8540% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4203% | 4,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 79.2600% | 456 |
| Net loans and leases to deposits | 90.1205% | 714 |
| Net loans and leases to core deposits | 93.3528% | 951 |
| Total domestic deposits to total assets | 87.9488% | 2,595 |
| Equity capital to assets | 6.0352% | 4,189 |
| Core capital (leverage) ratio | 6.9964% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0834% | 2,026 |
| Memoranda: | ||
| Average total assets | $264,258,667 | 2,683 |
| Average earning assets | $259,535,667 | 2,602 |
| Average equity | $16,519,000 | 3,357 |
| Average total loans | $203,286,000 | 2,213 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9561% | 3,383 |
| Cost of funding earning assets | 0.1714% | 3,199 |
| Net interest margin | 2.7847% | 3,188 |
| Noninterest income to average assets | 0.1914% | 4,014 |
| Noninterest expense to average assets | 1.8555% | 3,796 |
| Loan and lease loss provision to assets | 0.1087% | 766 |
| Net operating income to assets | 0.8941% | 2,294 |
| Return on assets (ROA) | 0.8941% | 2,297 |
| Pretax return on assets | 0.9630% | 2,567 |
| Return on Equity (ROE) | 14.0520% | 824 |
| Retained earnings to average equity (ytd only) | 9.1434% | 1,234 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3891% | 3,093 |
| Assets per employee ($millions) | 9.4805% | 778 |
| Cash dividends to net income (ytd only)* | 34.9315% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4167% | 4,639 |
| 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 | 76.0677% | 504 |
| Net loans and leases to deposits | 82.4725% | 979 |
| Net loans and leases to core deposits | 84.9791% | 1,189 |
| Total domestic deposits to total assets | 92.2340% | 496 |
| Equity capital to assets | 5.9107% | 4,604 |
| Core capital (leverage) ratio | 6.8811% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9520% | 2,232 |
| Memoranda: | ||
| Average total assets | $261,272,500 | 2,711 |
| Average earning assets | $256,691,000 | 2,636 |
| Average equity | $16,624,000 | 3,426 |
| Average total loans | $197,384,500 | 2,245 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 3,677 |
| Cost of funding earning assets | 0.2149% | 3,318 |
| Net interest margin | 2.8900% | 3,471 |
| Noninterest income to average assets | 0.2157% | 4,074 |
| Noninterest expense to average assets | 2.1015% | 3,383 |
| Loan and lease loss provision to assets | 0.0865% | 1,422 |
| Net operating income to assets | 0.7842% | 3,382 |
| Return on assets (ROA) | 0.7842% | 3,449 |
| Pretax return on assets | 0.8529% | 3,617 |
| Return on Equity (ROE) | 10.6510% | 2,292 |
| Retained earnings to average equity (ytd only) | 7.5083% | 1,718 |
| Net charge-offs to loans | 0.0081% | 2,278 |
| Credit loss provision to net charge-offs | 1,421.4286% | 408 |
| Earnings coverage of net charge-offs (x) | 154.2857% | 644 |
| Efficiency ratio | 69.1076% | 1,846 |
| Assets per employee ($millions) | 9.8882% | 687 |
| Cash dividends to net income (ytd only)* | 29.5064% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4036% | 4,682 |
| 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 | 74.3800% | 632 |
| Net loans and leases to deposits | 80.4027% | 1,183 |
| Net loans and leases to core deposits | 83.1124% | 1,381 |
| Total domestic deposits to total assets | 92.5093% | 90 |
| Equity capital to assets | 6.8295% | 4,746 |
| Core capital (leverage) ratio | 6.9561% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9013% | 1,888 |
| Memoranda: | ||
| Average total assets | $229,926,800 | 2,845 |
| Average earning assets | $224,771,400 | 2,780 |
| Average equity | $16,928,000 | 3,471 |
| Average total loans | $172,320,000 | 2,443 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 3,713 |
| Cost of funding earning assets | 0.2222% | 3,402 |
| Net interest margin | 2.9209% | 3,504 |
| Noninterest income to average assets | 0.2157% | 4,107 |
| Noninterest expense to average assets | 2.0758% | 3,435 |
| Loan and lease loss provision to assets | 0.0681% | 1,642 |
| Net operating income to assets | 0.8503% | 3,386 |
| Return on assets (ROA) | 0.8503% | 3,444 |
| Pretax return on assets | 0.9226% | 3,647 |
| Return on Equity (ROE) | 11.3132% | 2,267 |
| Retained earnings to average equity (ytd only) | 8.1888% | 2,000 |
| Net charge-offs to loans | 0.0112% | 1,914 |
| Credit loss provision to net charge-offs | 814.2857% | 584 |
| Earnings coverage of net charge-offs (x) | 118.4286% | 784 |
| Efficiency ratio | 67.6929% | 1,871 |
| Assets per employee ($millions) | 9.1785% | 840 |
| Cash dividends to net income (ytd only)* | 27.6177% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3906% | 4,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 71.0011% | 987 |
| Net loans and leases to deposits | 77.1306% | 1,560 |
| Net loans and leases to core deposits | 79.8935% | 1,741 |
| Total domestic deposits to total assets | 92.0531% | 114 |
| Equity capital to assets | 7.0902% | 4,798 |
| Core capital (leverage) ratio | 7.1994% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9514% | 1,627 |
| Memoranda: | ||
| Average total assets | $223,135,500 | 2,918 |
| Average earning assets | $217,780,750 | 2,853 |
| Average equity | $16,770,500 | 3,530 |
| Average total loans | $167,400,000 | 2,526 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2702% | 3,506 |
| Cost of funding earning assets | 0.2282% | 3,481 |
| Net interest margin | 3.0420% | 3,206 |
| Noninterest income to average assets | 0.2159% | 4,112 |
| Noninterest expense to average assets | 2.1833% | 3,144 |
| Loan and lease loss provision to assets | 0.0484% | 2,059 |
| Net operating income to assets | 0.8794% | 3,276 |
| Return on assets (ROA) | 0.8794% | 3,356 |
| Pretax return on assets | 0.9492% | 3,546 |
| Return on Equity (ROE) | 11.4520% | 2,253 |
| Retained earnings to average equity (ytd only) | 8.3860% | 1,945 |
| Net charge-offs to loans | 0.0170% | 1,607 |
| Credit loss provision to net charge-offs | 371.4286% | 798 |
| Earnings coverage of net charge-offs (x) | 76.5714% | 856 |
| Efficiency ratio | 68.6366% | 1,804 |
| Assets per employee ($millions) | 9.0395% | 846 |
| Cash dividends to net income (ytd only)* | 26.7725% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3712% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.5867% | 707 |
| Net loans and leases to deposits | 83.0121% | 1,126 |
| Net loans and leases to core deposits | 86.5416% | 1,378 |
| Total domestic deposits to total assets | 89.8503% | 844 |
| Equity capital to assets | 7.6305% | 4,697 |
| Core capital (leverage) ratio | 7.9205% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3068% | 1,264 |
| Memoranda: | ||
| Average total assets | $214,907,333 | 2,975 |
| Average earning assets | $209,464,333 | 2,909 |
| Average equity | $16,503,667 | 3,554 |
| Average total loans | $164,318,333 | 2,561 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 3,402 |
| Cost of funding earning assets | 0.2431% | 3,538 |
| Net interest margin | 3.0775% | 3,066 |
| Noninterest income to average assets | 0.2006% | 4,183 |
| Noninterest expense to average assets | 2.2525% | 2,932 |
| Loan and lease loss provision to assets | 0.0439% | 2,192 |
| Net operating income to assets | 0.8406% | 3,297 |
| Return on assets (ROA) | 0.8406% | 3,379 |
| Pretax return on assets | 0.9037% | 3,587 |
| Return on Equity (ROE) | 10.9090% | 2,393 |
| Retained earnings to average equity (ytd only) | 8.1569% | 2,188 |
| Net charge-offs to loans | 0.0198% | 1,343 |
| Credit loss provision to net charge-offs | 287.5000% | 776 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 810 |
| Efficiency ratio | 70.3881% | 1,657 |
| Assets per employee ($millions) | 8.2265% | 1,090 |
| Cash dividends to net income (ytd only)* | 25.2273% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3621% | 4,846 |
| 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 | 74.9469% | 720 |
| Net loans and leases to deposits | 83.8939% | 1,156 |
| Net loans and leases to core deposits | 87.5687% | 1,405 |
| Total domestic deposits to total assets | 89.3353% | 1,155 |
| Equity capital to assets | 7.6109% | 4,671 |
| Core capital (leverage) ratio | 8.1444% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8533% | 1,095 |
| Memoranda: | ||
| Average total assets | $209,367,000 | 3,009 |
| Average earning assets | $204,060,000 | 2,940 |
| Average equity | $16,133,500 | 3,595 |
| Average total loans | $161,885,000 | 2,578 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3253% | 4,295 |
| Cost of funding earning assets | 0.3437% | 3,904 |
| Net interest margin | 2.9816% | 3,931 |
| Noninterest income to average assets | 0.3024% | 3,663 |
| Noninterest expense to average assets | 2.6163% | 2,496 |
| Loan and lease loss provision to assets | 0.1075% | 2,997 |
| Net operating income to assets | 0.4387% | 4,167 |
| Return on assets (ROA) | 0.4387% | 4,247 |
| Pretax return on assets | 0.4774% | 4,307 |
| Return on Equity (ROE) | 5.6587% | 3,688 |
| Retained earnings to average equity (ytd only) | 2.0529% | 3,806 |
| Net charge-offs to loans | 0.0117% | 2,905 |
| Credit loss provision to net charge-offs | 1,213.3333% | 679 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 1,011 |
| Efficiency ratio | 81.7281% | 764 |
| Assets per employee ($millions) | 7.0221% | 1,572 |
| Cash dividends to net income (ytd only)* | 63.7216% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3765% | 4,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.3956% | 466 |
| Net loans and leases to deposits | 86.1726% | 1,240 |
| Net loans and leases to core deposits | 90.3804% | 1,497 |
| Total domestic deposits to total assets | 92.1355% | 58 |
| Equity capital to assets | 7.8131% | 4,770 |
| Core capital (leverage) ratio | 7.6896% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3781% | 1,426 |
| Memoranda: | ||
| Average total assets | $170,281,000 | 3,192 |
| Average earning assets | $165,546,800 | 3,116 |
| Average equity | $13,200,800 | 3,844 |
| Average total loans | $128,211,000 | 2,885 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 4,548 |
| Cost of funding earning assets | 0.3606% | 4,000 |
| Net interest margin | 2.8750% | 4,221 |
| Noninterest income to average assets | 0.3071% | 3,653 |
| Noninterest expense to average assets | 2.5689% | 2,634 |
| Loan and lease loss provision to assets | 0.0806% | 3,303 |
| Net operating income to assets | 0.4089% | 4,247 |
| Return on assets (ROA) | 0.4089% | 4,313 |
| Pretax return on assets | 0.4496% | 4,373 |
| Return on Equity (ROE) | 5.2867% | 3,796 |
| Retained earnings to average equity (ytd only) | 2.0852% | 3,903 |
| Net charge-offs to loans | 0.0011% | 3,192 |
| Credit loss provision to net charge-offs | 9,800.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 189 |
| Efficiency ratio | 82.8909% | 681 |
| Assets per employee ($millions) | 7.0311% | 1,481 |
| Cash dividends to net income (ytd only)* | 60.5578% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3663% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.8511% | 1,689 |
| Net loans and leases to deposits | 77.5320% | 2,585 |
| Net loans and leases to core deposits | 81.3754% | 2,711 |
| Total domestic deposits to total assets | 92.6729% | 19 |
| Equity capital to assets | 7.2423% | 4,915 |
| Core capital (leverage) ratio | 7.4602% | 4,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1162% | 1,225 |
| Memoranda: | ||
| Average total assets | $163,696,750 | 3,230 |
| Average earning assets | $158,978,250 | 3,162 |
| Average equity | $12,660,500 | 3,903 |
| Average total loans | $121,089,750 | 2,981 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3242% | 4,626 |
| Cost of funding earning assets | 0.3997% | 4,039 |
| Net interest margin | 2.9245% | 4,270 |
| Noninterest income to average assets | 0.3132% | 3,584 |
| Noninterest expense to average assets | 2.7188% | 2,325 |
| Loan and lease loss provision to assets | 0.0904% | 3,135 |
| Net operating income to assets | 0.3079% | 4,404 |
| Return on assets (ROA) | 0.3079% | 4,449 |
| Pretax return on assets | 0.3420% | 4,482 |
| Return on Equity (ROE) | 3.8753% | 4,140 |
| Retained earnings to average equity (ytd only) | -0.3298% | 4,366 |
| Net charge-offs to loans | 0.0053% | 2,774 |
| Credit loss provision to net charge-offs | 2,266.6667% | 438 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 657 |
| Efficiency ratio | 86.2786% | 525 |
| Assets per employee ($millions) | 6.3504% | 1,905 |
| Cash dividends to net income (ytd only)* | 108.5106% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 4,926 |
| 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 | 74.9958% | 1,281 |
| Net loans and leases to deposits | 81.4689% | 2,262 |
| Net loans and leases to core deposits | 85.5900% | 2,477 |
| Total domestic deposits to total assets | 92.0544% | 50 |
| Equity capital to assets | 7.9051% | 4,764 |
| Core capital (leverage) ratio | 8.4164% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5163% | 1,129 |
| Memoranda: | ||
| Average total assets | $152,638,667 | 3,327 |
| Average earning assets | $148,126,000 | 3,240 |
| Average equity | $12,128,000 | 3,970 |
| Average total loans | $114,128,333 | 3,045 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,610 |
| Cost of funding earning assets | 0.4870% | 4,004 |
| Net interest margin | 3.0373% | 4,219 |
| Noninterest income to average assets | 0.3799% | 3,232 |
| Noninterest expense to average assets | 2.7504% | 2,577 |
| Loan and lease loss provision to assets | 0.0714% | 2,843 |
| Net operating income to assets | 0.4627% | 3,987 |
| Return on assets (ROA) | 0.4627% | 4,045 |
| Pretax return on assets | 0.4970% | 4,129 |
| Return on Equity (ROE) | 5.8044% | 3,388 |
| Retained earnings to average equity (ytd only) | 2.0781% | 3,422 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8744% | 910 |
| Assets per employee ($millions) | 5.0953% | 2,545 |
| Cash dividends to net income (ytd only)* | 64.1975% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 4,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.1570% | 1,576 |
| Net loans and leases to deposits | 80.6536% | 2,611 |
| Net loans and leases to core deposits | 85.7957% | 2,698 |
| Total domestic deposits to total assets | 91.9450% | 42 |
| Equity capital to assets | 8.0101% | 4,969 |
| Core capital (leverage) ratio | 7.8424% | 5,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1432% | 1,312 |
| Memoranda: | ||
| Average total assets | $140,053,000 | 3,456 |
| Average earning assets | $135,516,000 | 3,378 |
| Average equity | $11,164,000 | 4,104 |
| Average total loans | $104,273,500 | 3,169 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 4,751 |
| Cost of funding earning assets | 0.4657% | 4,219 |
| Net interest margin | 3.1601% | 4,268 |
| Noninterest income to average assets | 0.4284% | 3,115 |
| Noninterest expense to average assets | 2.8512% | 2,436 |
| Loan and lease loss provision to assets | 0.0316% | 3,385 |
| Net operating income to assets | 0.5654% | 4,256 |
| Return on assets (ROA) | 0.5654% | 4,307 |
| Pretax return on assets | 0.6008% | 4,413 |
| Return on Equity (ROE) | 7.0947% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.1553% | 3,445 |
| Net charge-offs to loans | 0.0085% | 3,380 |
| Credit loss provision to net charge-offs | 525.0000% | 557 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 656 |
| Efficiency ratio | 81.8457% | 806 |
| Assets per employee ($millions) | 5.0903% | 2,467 |
| Cash dividends to net income (ytd only)* | 55.5260% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4135% | 4,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.1263% | 1,730 |
| Net loans and leases to deposits | 80.5638% | 2,717 |
| Net loans and leases to core deposits | 85.3063% | 2,846 |
| Total domestic deposits to total assets | 92.0094% | 39 |
| Equity capital to assets | 7.9309% | 5,066 |
| Core capital (leverage) ratio | 7.9808% | 5,045 |
| Tier 1 risk-based capital ratio | 15.9084% | 2,438 |
| Total risk-based capital ratio | 16.5243% | 2,601 |
| Memoranda: | ||
| Average total assets | $132,822,200 | 3,525 |
| Average earning assets | $128,412,800 | 3,456 |
| Average equity | $10,585,400 | 4,168 |
| Average total loans | $94,627,200 | 3,301 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 4,857 |
| Cost of funding earning assets | 0.4389% | 4,368 |
| Net interest margin | 3.1908% | 4,315 |
| Noninterest income to average assets | 0.4354% | 3,099 |
| Noninterest expense to average assets | 2.7543% | 2,701 |
| Loan and lease loss provision to assets | 0.0233% | 3,434 |
| Net operating income to assets | 0.7271% | 3,922 |
| Return on assets (ROA) | 0.7271% | 3,989 |
| Pretax return on assets | 0.7423% | 4,256 |
| Return on Equity (ROE) | 9.1114% | 2,840 |
| Retained earnings to average equity (ytd only) | 5.1395% | 2,824 |
| Net charge-offs to loans | 0.0101% | 3,009 |
| Credit loss provision to net charge-offs | 328.5714% | 900 |
| Earnings coverage of net charge-offs (x) | 108.0354% | 709 |
| Efficiency ratio | 78.2509% | 1,076 |
| Assets per employee ($millions) | 5.2583% | 2,280 |
| Cash dividends to net income (ytd only)* | 43.5930% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4242% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 66.9559% | 2,930 |
| Net loans and leases to deposits | 72.5488% | 3,587 |
| Net loans and leases to core deposits | 76.8826% | 3,636 |
| Total domestic deposits to total assets | 92.2908% | 26 |
| Equity capital to assets | 7.6761% | 5,173 |
| Core capital (leverage) ratio | 7.7702% | 5,152 |
| Tier 1 risk-based capital ratio | 17.1035% | 2,049 |
| Total risk-based capital ratio | 17.7323% | 2,210 |
| Memoranda: | ||
| Average total assets | $131,668,500 | 3,575 |
| Average earning assets | $127,280,750 | 3,503 |
| Average equity | $10,506,750 | 4,226 |
| Average total loans | $92,709,000 | 3,384 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5963% | 4,933 |
| Cost of funding earning assets | 0.3921% | 4,542 |
| Net interest margin | 3.2042% | 4,365 |
| Noninterest income to average assets | 0.4289% | 3,077 |
| Noninterest expense to average assets | 2.8074% | 2,560 |
| Loan and lease loss provision to assets | 0.0047% | 3,634 |
| Net operating income to assets | 0.6972% | 4,012 |
| Return on assets (ROA) | 0.6972% | 4,075 |
| Pretax return on assets | 0.7143% | 4,298 |
| Return on Equity (ROE) | 8.6158% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.5874% | 2,982 |
| Net charge-offs to loans | 0.0044% | 3,010 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 230.5000% | 348 |
| Efficiency ratio | 79.6108% | 999 |
| Assets per employee ($millions) | 4.9226% | 2,578 |
| Cash dividends to net income (ytd only)* | 46.7562% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4307% | 5,082 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,801 |
| Noncurrent loans to loans | 0.0055% | 4,707 |
| Net loans and leases to total assets | 67.8339% | 2,836 |
| Net loans and leases to deposits | 73.8183% | 3,534 |
| Net loans and leases to core deposits | 80.1362% | 3,408 |
| Total domestic deposits to total assets | 91.8930% | 44 |
| Equity capital to assets | 8.0603% | 5,165 |
| Core capital (leverage) ratio | 8.2892% | 5,065 |
| Tier 1 risk-based capital ratio | 17.2758% | 2,003 |
| Total risk-based capital ratio | 17.8968% | 2,142 |
| Memoranda: | ||
| Average total assets | $128,233,330 | 3,642 |
| Average earning assets | $123,961,330 | 3,560 |
| Average equity | $10,376,330 | 4,254 |
| Average total loans | $91,790,330 | 3,418 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 4,976 |
| Cost of funding earning assets | 0.3391% | 4,710 |
| Net interest margin | 3.2491% | 4,281 |
| Noninterest income to average assets | 0.4035% | 3,159 |
| Noninterest expense to average assets | 2.7165% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8007% | 3,617 |
| Return on assets (ROA) | 0.8007% | 3,660 |
| Pretax return on assets | 0.8229% | 3,988 |
| Return on Equity (ROE) | 9.8746% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.7994% | 2,546 |
| Net charge-offs to loans | 0.0043% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 310 |
| Efficiency ratio | 76.7504% | 1,411 |
| Assets per employee ($millions) | 4.9874% | 2,537 |
| Cash dividends to net income (ytd only)* | 41.2698% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4210% | 5,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.7817% | 2,367 |
| Net loans and leases to deposits | 77.0162% | 3,159 |
| Net loans and leases to core deposits | 83.7384% | 3,045 |
| Total domestic deposits to total assets | 91.9050% | 65 |
| Equity capital to assets | 8.0380% | 5,170 |
| Core capital (leverage) ratio | 8.5504% | 4,982 |
| Tier 1 risk-based capital ratio | 17.5561% | 1,925 |
| Total risk-based capital ratio | 18.1892% | 2,073 |
| Memoranda: | ||
| Average total assets | $125,895,000 | 3,712 |
| Average earning assets | $121,509,500 | 3,636 |
| Average equity | $10,208,000 | 4,298 |
| Average total loans | $92,411,500 | 3,440 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 4,978 |
| Cost of funding earning assets | 0.2599% | 4,755 |
| Net interest margin | 3.1763% | 4,529 |
| Noninterest income to average assets | 0.4261% | 3,269 |
| Noninterest expense to average assets | 2.9400% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5161% | 4,625 |
| Return on assets (ROA) | 0.5124% | 4,633 |
| Pretax return on assets | 0.5492% | 4,724 |
| Return on Equity (ROE) | 6.4992% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.3523% | 4,204 |
| Net charge-offs to loans | 0.0363% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.9697% | 1,972 |
| Efficiency ratio | 84.1648% | 645 |
| Assets per employee ($millions) | 4.5229% | 3,134 |
| Cash dividends to net income (ytd only)* | 63.8066% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4199% | 5,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.5515% | 1,685 |
| Net loans and leases to deposits | 83.5722% | 2,555 |
| Net loans and leases to core deposits | 90.6823% | 2,514 |
| Total domestic deposits to total assets | 90.4027% | 351 |
| Equity capital to assets | 8.1831% | 5,094 |
| Core capital (leverage) ratio | 8.6610% | 4,911 |
| Tier 1 risk-based capital ratio | 16.9883% | 2,074 |
| Total risk-based capital ratio | 17.6110% | 2,223 |
| Memoranda: | ||
| Average total assets | $125,101,800 | 3,714 |
| Average earning assets | $120,802,200 | 3,630 |
| Average equity | $9,862,800 | 4,321 |
| Average total loans | $90,911,000 | 3,462 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 5,054 |
| Cost of funding earning assets | 0.2447% | 4,817 |
| Net interest margin | 3.1368% | 4,639 |
| Noninterest income to average assets | 0.4185% | 3,365 |
| Noninterest expense to average assets | 2.8764% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5368% | 4,678 |
| Return on assets (ROA) | 0.5318% | 4,696 |
| Pretax return on assets | 0.5658% | 4,791 |
| Return on Equity (ROE) | 6.8088% | 3,997 |
| Retained earnings to average equity (ytd only) | 2.6448% | 4,356 |
| Net charge-offs to loans | 0.0383% | 2,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.7283% | 1,949 |
| Efficiency ratio | 83.4358% | 678 |
| Assets per employee ($millions) | 4.8115% | 2,708 |
| Cash dividends to net income (ytd only)* | 61.1546% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4284% | 5,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.8516% | 2,522 |
| Net loans and leases to deposits | 76.6395% | 3,360 |
| Net loans and leases to core deposits | 82.4715% | 3,292 |
| Total domestic deposits to total assets | 92.4479% | 56 |
| Equity capital to assets | 7.5051% | 5,307 |
| Core capital (leverage) ratio | 8.2938% | 5,207 |
| Tier 1 risk-based capital ratio | 16.7350% | 2,191 |
| Total risk-based capital ratio | 17.3615% | 2,346 |
| Memoranda: | ||
| Average total assets | $125,847,750 | 3,732 |
| Average earning assets | $121,520,750 | 3,658 |
| Average equity | $9,830,250 | 4,363 |
| Average total loans | $90,476,000 | 3,499 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3698% | 5,070 |
| Cost of funding earning assets | 0.2495% | 4,748 |
| Net interest margin | 3.1203% | 4,689 |
| Noninterest income to average assets | 0.4113% | 3,417 |
| Noninterest expense to average assets | 2.9239% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4653% | 4,830 |
| Return on assets (ROA) | 0.4579% | 4,847 |
| Pretax return on assets | 0.4932% | 4,916 |
| Return on Equity (ROE) | 5.7827% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.6232% | 4,602 |
| Net charge-offs to loans | 0.0045% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 504 |
| Efficiency ratio | 85.3659% | 606 |
| Assets per employee ($millions) | 4.5554% | 3,039 |
| Cash dividends to net income (ytd only)* | 71.9298% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4622% | 5,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.5414% | 2,022 |
| Net loans and leases to deposits | 80.1924% | 2,925 |
| Net loans and leases to core deposits | 87.4052% | 2,779 |
| Total domestic deposits to total assets | 91.7062% | 121 |
| Equity capital to assets | 7.9076% | 5,260 |
| Core capital (leverage) ratio | 8.4796% | 5,126 |
| Tier 1 risk-based capital ratio | 16.7251% | 2,187 |
| Total risk-based capital ratio | 17.3961% | 2,323 |
| Memoranda: | ||
| Average total assets | $124,493,330 | 3,788 |
| Average earning assets | $120,244,670 | 3,708 |
| Average equity | $9,857,000 | 4,398 |
| Average total loans | $89,821,330 | 3,521 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 5,127 |
| Cost of funding earning assets | 0.2014% | 5,006 |
| Net interest margin | 3.1099% | 4,684 |
| Noninterest income to average assets | 0.3992% | 3,475 |
| Noninterest expense to average assets | 2.7052% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7026% | 4,089 |
| Return on assets (ROA) | 0.7026% | 4,095 |
| Pretax return on assets | 0.7026% | 4,436 |
| Return on Equity (ROE) | 8.8687% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.7569% | 3,278 |
| Net charge-offs to loans | 0.0045% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 305 |
| Efficiency ratio | 79.3814% | 1,211 |
| Assets per employee ($millions) | 4.7443% | 2,798 |
| Cash dividends to net income (ytd only)* | 46.3636% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4691% | 5,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.4153% | 2,103 |
| Net loans and leases to deposits | 80.5114% | 2,751 |
| Net loans and leases to core deposits | 89.6154% | 2,481 |
| Total domestic deposits to total assets | 89.9441% | 678 |
| Equity capital to assets | 7.9829% | 5,278 |
| Core capital (leverage) ratio | 8.3739% | 5,219 |
| Tier 1 risk-based capital ratio | 16.9158% | 2,139 |
| Total risk-based capital ratio | 17.5936% | 2,285 |
| Memoranda: | ||
| Average total assets | $125,242,000 | 3,809 |
| Average earning assets | $121,160,500 | 3,731 |
| Average equity | $9,922,500 | 4,439 |
| Average total loans | $89,295,500 | 3,561 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 5,213 |
| Cost of funding earning assets | 0.1803% | 5,089 |
| Net interest margin | 3.0018% | 4,880 |
| Noninterest income to average assets | 0.4345% | 3,408 |
| Noninterest expense to average assets | 2.7665% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5772% | 4,106 |
| Return on assets (ROA) | 0.5948% | 4,075 |
| Pretax return on assets | 0.5948% | 4,751 |
| Return on Equity (ROE) | 7.4562% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.2306% | 2,623 |
| Net charge-offs to loans | 0.0024% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 243 |
| Efficiency ratio | 82.7380% | 875 |
| Assets per employee ($millions) | 4.8897% | 2,612 |
| Cash dividends to net income (ytd only)* | 43.2615% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 5,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.5516% | 2,594 |
| Net loans and leases to deposits | 75.5378% | 3,374 |
| Net loans and leases to core deposits | 82.5042% | 3,203 |
| Total domestic deposits to total assets | 92.0752% | 76 |
| Equity capital to assets | 7.8642% | 5,435 |
| Core capital (leverage) ratio | 8.3119% | 5,278 |
| Tier 1 risk-based capital ratio | 16.7690% | 2,171 |
| Total risk-based capital ratio | 17.4501% | 2,299 |
| Memoranda: | ||
| Average total assets | $124,743,200 | 3,825 |
| Average earning assets | $120,895,400 | 3,730 |
| Average equity | $9,951,400 | 4,458 |
| Average total loans | $84,308,000 | 3,651 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1639% | 5,276 |
| Cost of funding earning assets | 0.1750% | 5,164 |
| Net interest margin | 2.9889% | 4,941 |
| Noninterest income to average assets | 0.4436% | 3,378 |
| Noninterest expense to average assets | 2.6839% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6583% | 4,163 |
| Return on assets (ROA) | 0.6820% | 4,128 |
| Pretax return on assets | 0.6820% | 4,648 |
| Return on Equity (ROE) | 8.5178% | 2,867 |
| Retained earnings to average equity (ytd only) | 5.4863% | 2,550 |
| Net charge-offs to loans | 0.0032% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 306.1086% | 300 |
| Efficiency ratio | 80.3021% | 1,065 |
| Assets per employee ($millions) | 5.3105% | 2,111 |
| Cash dividends to net income (ytd only)* | 35.5909% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4912% | 5,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.0710% | 2,973 |
| Net loans and leases to deposits | 72.9392% | 3,673 |
| Net loans and leases to core deposits | 79.1746% | 3,523 |
| Total domestic deposits to total assets | 91.9547% | 63 |
| Equity capital to assets | 8.0131% | 5,517 |
| Core capital (leverage) ratio | 8.0817% | 5,487 |
| Tier 1 risk-based capital ratio | 17.1244% | 2,124 |
| Total risk-based capital ratio | 17.8207% | 2,254 |
| Memoranda: | ||
| Average total assets | $124,145,750 | 3,875 |
| Average earning assets | $120,398,000 | 3,780 |
| Average equity | $9,939,750 | 4,507 |
| Average total loans | $83,173,750 | 3,701 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1253% | 5,326 |
| Cost of funding earning assets | 0.1793% | 5,145 |
| Net interest margin | 2.9460% | 5,009 |
| Noninterest income to average assets | 0.4372% | 3,440 |
| Noninterest expense to average assets | 2.7015% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5933% | 4,341 |
| Return on assets (ROA) | 0.6290% | 4,218 |
| Pretax return on assets | 0.6290% | 4,744 |
| Return on Equity (ROE) | 7.8589% | 3,118 |
| Retained earnings to average equity (ytd only) | 5.0159% | 2,701 |
| Net charge-offs to loans | 0.0049% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 182.5000% | 437 |
| Efficiency ratio | 81.9931% | 1,008 |
| Assets per employee ($millions) | 4.7264% | 2,752 |
| Cash dividends to net income (ytd only)* | 36.1757% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5017% | 5,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 68.1038% | 2,803 |
| Net loans and leases to deposits | 74.2044% | 3,524 |
| Net loans and leases to core deposits | 80.8560% | 3,356 |
| Total domestic deposits to total assets | 91.7786% | 92 |
| Equity capital to assets | 8.1734% | 5,461 |
| Core capital (leverage) ratio | 8.3732% | 5,304 |
| Tier 1 risk-based capital ratio | 17.2721% | 2,070 |
| Total risk-based capital ratio | 17.9856% | 2,185 |
| Memoranda: | ||
| Average total assets | $123,043,330 | 3,910 |
| Average earning assets | $119,349,000 | 3,818 |
| Average equity | $9,848,670 | 4,532 |
| Average total loans | $82,263,000 | 3,734 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0971% | 5,367 |
| Cost of funding earning assets | 0.1808% | 5,146 |
| Net interest margin | 2.9163% | 5,055 |
| Noninterest income to average assets | 0.4256% | 3,473 |
| Noninterest expense to average assets | 2.5958% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6595% | 3,884 |
| Return on assets (ROA) | 0.7310% | 3,604 |
| Pretax return on assets | 0.7310% | 4,344 |
| Return on Equity (ROE) | 9.2298% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.6865% | 1,990 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7405% | 1,411 |
| Assets per employee ($millions) | 5.0578% | 2,364 |
| Cash dividends to net income (ytd only)* | 27.5556% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5130% | 5,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.0359% | 3,110 |
| Net loans and leases to deposits | 70.5696% | 3,736 |
| Net loans and leases to core deposits | 76.7402% | 3,580 |
| Total domestic deposits to total assets | 92.1586% | 87 |
| Equity capital to assets | 7.7900% | 5,602 |
| Core capital (leverage) ratio | 8.0604% | 5,531 |
| Tier 1 risk-based capital ratio | 17.7339% | 1,966 |
| Total risk-based capital ratio | 18.4760% | 2,061 |
| Memoranda: | ||
| Average total assets | $123,122,000 | 3,948 |
| Average earning assets | $119,466,500 | 3,845 |
| Average equity | $9,751,000 | 4,579 |
| Average total loans | $81,338,500 | 3,786 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0793% | 5,428 |
| Cost of funding earning assets | 0.1976% | 5,033 |
| Net interest margin | 2.8817% | 5,166 |
| Noninterest income to average assets | 0.5040% | 3,215 |
| Noninterest expense to average assets | 2.8996% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3855% | 4,993 |
| Return on assets (ROA) | 0.3995% | 5,023 |
| Pretax return on assets | 0.3995% | 5,225 |
| Return on Equity (ROE) | 4.8403% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.7616% | 3,936 |
| Net charge-offs to loans | 0.0013% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 177 |
| Efficiency ratio | 88.2665% | 653 |
| Assets per employee ($millions) | 4.2786% | 3,475 |
| Cash dividends to net income (ytd only)* | 42.9461% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 5,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.4399% | 3,009 |
| Net loans and leases to deposits | 72.3223% | 3,682 |
| Net loans and leases to core deposits | 79.0456% | 3,473 |
| Total domestic deposits to total assets | 91.8664% | 120 |
| Equity capital to assets | 8.0568% | 5,535 |
| Core capital (leverage) ratio | 8.2903% | 5,445 |
| Tier 1 risk-based capital ratio | 17.6752% | 1,954 |
| Total risk-based capital ratio | 18.4268% | 2,059 |
| Memoranda: | ||
| Average total assets | $120,636,200 | 3,983 |
| Average earning assets | $116,424,000 | 3,892 |
| Average equity | $9,958,000 | 4,589 |
| Average total loans | $75,368,200 | 3,915 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0679% | 5,505 |
| Cost of funding earning assets | 0.2003% | 5,062 |
| Net interest margin | 2.8675% | 5,235 |
| Noninterest income to average assets | 0.5318% | 3,037 |
| Noninterest expense to average assets | 2.8322% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4634% | 4,824 |
| Return on assets (ROA) | 0.4821% | 4,851 |
| Pretax return on assets | 0.4821% | 5,167 |
| Return on Equity (ROE) | 5.8065% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.7337% | 3,650 |
| Net charge-offs to loans | 0.0018% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 421.0451% | 213 |
| Efficiency ratio | 85.9391% | 825 |
| Assets per employee ($millions) | 4.7098% | 2,730 |
| Cash dividends to net income (ytd only)* | 35.6972% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5414% | 5,683 |
| 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 | 63.6108% | 3,450 |
| Net loans and leases to deposits | 69.4775% | 4,029 |
| Net loans and leases to core deposits | 76.0535% | 3,829 |
| Total domestic deposits to total assets | 91.5560% | 112 |
| Equity capital to assets | 8.4023% | 5,585 |
| Core capital (leverage) ratio | 7.9990% | 5,692 |
| Tier 1 risk-based capital ratio | 17.8460% | 1,961 |
| Total risk-based capital ratio | 18.6026% | 2,076 |
| Memoranda: | ||
| Average total assets | $120,845,250 | 3,999 |
| Average earning assets | $116,473,250 | 3,918 |
| Average equity | $10,034,500 | 4,608 |
| Average total loans | $74,205,500 | 3,963 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0646% | 5,578 |
| Cost of funding earning assets | 0.2073% | 5,078 |
| Net interest margin | 2.8573% | 5,337 |
| Noninterest income to average assets | 0.5719% | 2,782 |
| Noninterest expense to average assets | 2.8427% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4788% | 4,772 |
| Return on assets (ROA) | 0.4838% | 4,845 |
| Pretax return on assets | 0.4838% | 5,167 |
| Return on Equity (ROE) | 5.8494% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.7589% | 3,500 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5856% | 920 |
| Assets per employee ($millions) | 4.4976% | 3,034 |
| Cash dividends to net income (ytd only)* | 35.7388% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 5,725 |
| Loan loss allowance to noncurrent loans | 260.7362% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 4,971 |
| Noncurrent loans to loans | 0.2166% | 4,572 |
| Net loans and leases to total assets | 61.6127% | 3,666 |
| Net loans and leases to deposits | 68.5787% | 4,128 |
| Net loans and leases to core deposits | 75.4029% | 3,875 |
| Total domestic deposits to total assets | 89.8424% | 546 |
| Equity capital to assets | 8.4472% | 5,628 |
| Core capital (leverage) ratio | 8.2047% | 5,598 |
| Tier 1 risk-based capital ratio | 18.1226% | 1,899 |
| Total risk-based capital ratio | 18.9000% | 1,992 |
| Memoranda: | ||
| Average total assets | $120,309,000 | 4,036 |
| Average earning assets | $115,772,670 | 3,952 |
| Average equity | $9,949,670 | 4,654 |
| Average total loans | $72,834,670 | 4,023 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0665% | 5,634 |
| Cost of funding earning assets | 0.2084% | 5,121 |
| Net interest margin | 2.8581% | 5,385 |
| Noninterest income to average assets | 0.6313% | 2,359 |
| Noninterest expense to average assets | 2.9897% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3908% | 5,022 |
| Return on assets (ROA) | 0.3908% | 5,098 |
| Pretax return on assets | 0.3908% | 5,329 |
| Return on Equity (ROE) | 4.7777% | 4,593 |
| Retained earnings to average equity (ytd only) | 2.6543% | 4,185 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4387% | 781 |
| Assets per employee ($millions) | 4.5320% | 3,012 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 5,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.8639% | 4,057 |
| Net loans and leases to deposits | 62.9974% | 4,508 |
| Net loans and leases to core deposits | 69.2927% | 4,289 |
| Total domestic deposits to total assets | 91.8513% | 125 |
| Equity capital to assets | 8.0997% | 5,781 |
| Core capital (leverage) ratio | 8.1700% | 5,671 |
| Tier 1 risk-based capital ratio | 18.3717% | 1,890 |
| Total risk-based capital ratio | 19.1696% | 1,975 |
| Memoranda: | ||
| Average total assets | $119,745,500 | 4,075 |
| Average earning assets | $115,181,000 | 3,985 |
| Average equity | $9,795,500 | 4,706 |
| Average total loans | $71,629,500 | 4,074 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0772% | 5,662 |
| Cost of funding earning assets | 0.2023% | 5,269 |
| Net interest margin | 2.8748% | 5,380 |
| Noninterest income to average assets | 0.6587% | 2,417 |
| Noninterest expense to average assets | 3.0546% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3772% | 5,117 |
| Return on assets (ROA) | 0.3772% | 5,205 |
| Pretax return on assets | 0.3772% | 5,366 |
| Return on Equity (ROE) | 4.4543% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.3249% | 4,405 |
| Net charge-offs to loans | 0.0074% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 86.6000% | 650 |
| Efficiency ratio | 89.0074% | 756 |
| Assets per employee ($millions) | 4.1831% | 3,599 |
| Cash dividends to net income (ytd only)* | 47.8060% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 5,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 3,535 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 61.1340% | 3,670 |
| Net loans and leases to deposits | 66.6844% | 4,252 |
| Net loans and leases to core deposits | 73.7276% | 3,963 |
| Total domestic deposits to total assets | 91.6766% | 146 |
| Equity capital to assets | 8.2645% | 5,730 |
| Core capital (leverage) ratio | 8.2912% | 5,612 |
| Tier 1 risk-based capital ratio | 18.1300% | 1,925 |
| Total risk-based capital ratio | 18.9226% | 2,018 |
| Memoranda: | ||
| Average total assets | $114,779,200 | 4,161 |
| Average earning assets | $110,719,200 | 4,056 |
| Average equity | $9,721,000 | 4,704 |
| Average total loans | $67,481,200 | 4,161 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 5,757 |
| Cost of funding earning assets | 0.2018% | 5,356 |
| Net interest margin | 2.8570% | 5,482 |
| Noninterest income to average assets | 0.6772% | 2,340 |
| Noninterest expense to average assets | 3.1070% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3304% | 5,369 |
| Return on assets (ROA) | 0.3304% | 5,451 |
| Pretax return on assets | 0.3304% | 5,595 |
| Return on Equity (ROE) | 3.8774% | 5,075 |
| Retained earnings to average equity (ytd only) | 1.7401% | 5,007 |
| Net charge-offs to loans | 0.0080% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 70.7917% | 810 |
| Efficiency ratio | 90.3872% | 675 |
| Assets per employee ($millions) | 4.3406% | 3,257 |
| Cash dividends to net income (ytd only)* | 55.1230% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6231% | 5,860 |
| Loan loss allowance to noncurrent loans | 72.8205% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 3,829 |
| Noncurrent loans to loans | 0.8557% | 2,832 |
| Net loans and leases to total assets | 57.9692% | 4,144 |
| Net loans and leases to deposits | 63.2767% | 4,621 |
| Net loans and leases to core deposits | 70.3675% | 4,338 |
| Total domestic deposits to total assets | 91.6123% | 138 |
| Equity capital to assets | 8.3459% | 5,804 |
| Core capital (leverage) ratio | 8.1932% | 5,780 |
| Tier 1 risk-based capital ratio | 18.9073% | 1,796 |
| Total risk-based capital ratio | 19.7442% | 1,863 |
| Memoranda: | ||
| Average total assets | $114,192,000 | 4,214 |
| Average earning assets | $110,321,250 | 4,108 |
| Average equity | $9,731,250 | 4,761 |
| Average total loans | $66,344,000 | 4,230 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0821% | 5,759 |
| Cost of funding earning assets | 0.2032% | 5,409 |
| Net interest margin | 2.8789% | 5,478 |
| Noninterest income to average assets | 0.6873% | 2,268 |
| Noninterest expense to average assets | 3.0921% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3746% | 5,218 |
| Return on assets (ROA) | 0.3746% | 5,333 |
| Pretax return on assets | 0.3746% | 5,526 |
| Return on Equity (ROE) | 4.3645% | 4,877 |
| Retained earnings to average equity (ytd only) | 2.2234% | 4,601 |
| Net charge-offs to loans | 0.0030% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 332 |
| Efficiency ratio | 89.1947% | 810 |
| Assets per employee ($millions) | 4.1764% | 3,516 |
| Cash dividends to net income (ytd only)* | 49.0566% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 5,899 |
| Loan loss allowance to noncurrent loans | 73.3333% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 3,883 |
| Noncurrent loans to loans | 0.8814% | 2,922 |
| Net loans and leases to total assets | 58.4757% | 4,043 |
| Net loans and leases to deposits | 63.9787% | 4,540 |
| Net loans and leases to core deposits | 71.5383% | 4,179 |
| Total domestic deposits to total assets | 91.3988% | 204 |
| Equity capital to assets | 8.5578% | 5,633 |
| Core capital (leverage) ratio | 8.4160% | 5,615 |
| Tier 1 risk-based capital ratio | 19.2295% | 1,741 |
| Total risk-based capital ratio | 20.0885% | 1,801 |
| Memoranda: | ||
| Average total assets | $113,191,000 | 4,274 |
| Average earning assets | $109,276,330 | 4,167 |
| Average equity | $9,714,670 | 4,802 |
| Average total loans | $65,671,000 | 4,285 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0679% | 5,822 |
| Cost of funding earning assets | 0.2009% | 5,499 |
| Net interest margin | 2.8670% | 5,513 |
| Noninterest income to average assets | 0.6843% | 2,235 |
| Noninterest expense to average assets | 3.1886% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2645% | 5,521 |
| Return on assets (ROA) | 0.2645% | 5,614 |
| Pretax return on assets | 0.2645% | 5,722 |
| Return on Equity (ROE) | 3.0779% | 5,341 |
| Retained earnings to average equity (ytd only) | 0.9439% | 5,088 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3391% | 688 |
| Assets per employee ($millions) | 4.2105% | 3,548 |
| Cash dividends to net income (ytd only)* | 69.3333% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6509% | 5,985 |
| Loan loss allowance to noncurrent loans | 73.5043% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 3,962 |
| Noncurrent loans to loans | 0.8856% | 3,029 |
| Net loans and leases to total assets | 57.7307% | 3,987 |
| Net loans and leases to deposits | 63.2006% | 4,464 |
| Net loans and leases to core deposits | 71.1876% | 4,041 |
| Total domestic deposits to total assets | 91.3452% | 264 |
| Equity capital to assets | 8.6073% | 5,653 |
| Core capital (leverage) ratio | 8.3503% | 5,682 |
| Tier 1 risk-based capital ratio | 19.1917% | 1,819 |
| Total risk-based capital ratio | 20.0586% | 1,879 |
| Memoranda: | ||
| Average total assets | $113,405,000 | 4,298 |
| Average earning assets | $109,521,500 | 4,188 |
| Average equity | $9,747,000 | 4,837 |
| Average total loans | $65,322,500 | 4,315 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1315% | 5,919 |
| Cost of funding earning assets | 0.2098% | 5,666 |
| Net interest margin | 2.9218% | 5,600 |
| Noninterest income to average assets | 0.6843% | 2,370 |
| Noninterest expense to average assets | 3.1160% | 2,468 |
| Loan and lease loss provision to assets | 0.0302% | 4,003 |
| Net operating income to assets | 0.3568% | 5,360 |
| Return on assets (ROA) | 0.3781% | 5,368 |
| Pretax return on assets | 0.3781% | 5,539 |
| Return on Equity (ROE) | 4.4174% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.2709% | 4,622 |
| Net charge-offs to loans | 0.0138% | 4,608 |
| Credit loss provision to net charge-offs | 377.7778% | 693 |
| Earnings coverage of net charge-offs (x) | 48.4444% | 950 |
| Efficiency ratio | 88.9536% | 918 |
| Assets per employee ($millions) | 4.3510% | 3,271 |
| Cash dividends to net income (ytd only)* | 48.5915% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6658% | 6,050 |
| Loan loss allowance to noncurrent loans | 73.5043% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 4,072 |
| Noncurrent loans to loans | 0.9058% | 3,051 |
| Net loans and leases to total assets | 56.7106% | 4,238 |
| Net loans and leases to deposits | 62.0737% | 4,721 |
| Net loans and leases to core deposits | 69.1400% | 4,396 |
| Total domestic deposits to total assets | 91.3602% | 256 |
| Equity capital to assets | 8.5824% | 5,657 |
| Core capital (leverage) ratio | 8.5159% | 5,549 |
| Tier 1 risk-based capital ratio | 19.1310% | 1,808 |
| Total risk-based capital ratio | 19.9972% | 1,887 |
| Memoranda: | ||
| Average total assets | $112,678,000 | 4,328 |
| Average earning assets | $108,700,600 | 4,213 |
| Average equity | $9,643,600 | 4,830 |
| Average total loans | $65,075,800 | 4,329 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1425% | 5,965 |
| Cost of funding earning assets | 0.2124% | 5,735 |
| Net interest margin | 2.9300% | 5,637 |
| Noninterest income to average assets | 0.6965% | 2,346 |
| Noninterest expense to average assets | 3.1222% | 2,402 |
| Loan and lease loss provision to assets | 0.0403% | 3,606 |
| Net operating income to assets | 0.3601% | 5,400 |
| Return on assets (ROA) | 0.3601% | 5,473 |
| Pretax return on assets | 0.3601% | 5,658 |
| Return on Equity (ROE) | 4.2101% | 5,078 |
| Retained earnings to average equity (ytd only) | 2.0497% | 5,029 |
| Net charge-offs to loans | 0.0082% | 4,432 |
| Credit loss provision to net charge-offs | 850.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 84.5516% | 668 |
| Efficiency ratio | 88.6348% | 946 |
| Assets per employee ($millions) | 4.2801% | 3,332 |
| Cash dividends to net income (ytd only)* | 51.3150% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 6,136 |
| Loan loss allowance to noncurrent loans | 63.5036% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 3,984 |
| Noncurrent loans to loans | 1.0627% | 2,952 |
| Net loans and leases to total assets | 57.5308% | 4,131 |
| Net loans and leases to deposits | 63.0473% | 4,634 |
| Net loans and leases to core deposits | 70.5445% | 4,278 |
| Total domestic deposits to total assets | 91.2502% | 293 |
| Equity capital to assets | 8.6896% | 5,647 |
| Core capital (leverage) ratio | 8.2781% | 5,855 |
| Tier 1 risk-based capital ratio | 18.7917% | 1,960 |
| Total risk-based capital ratio | 19.6587% | 2,046 |
| Memoranda: | ||
| Average total assets | $112,565,750 | 4,369 |
| Average earning assets | $108,574,250 | 4,253 |
| Average equity | $9,627,250 | 4,869 |
| Average total loans | $65,198,500 | 4,363 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1406% | 6,015 |
| Cost of funding earning assets | 0.2092% | 5,833 |
| Net interest margin | 2.9313% | 5,675 |
| Noninterest income to average assets | 0.7009% | 2,274 |
| Noninterest expense to average assets | 3.1081% | 2,461 |
| Loan and lease loss provision to assets | 0.0496% | 3,314 |
| Net operating income to assets | 0.3699% | 5,325 |
| Return on assets (ROA) | 0.3699% | 5,397 |
| Pretax return on assets | 0.3699% | 5,639 |
| Return on Equity (ROE) | 4.3483% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.1845% | 4,799 |
| Net charge-offs to loans | 0.0122% | 4,000 |
| Credit loss provision to net charge-offs | 700.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 59.2500% | 813 |
| Efficiency ratio | 88.1084% | 1,081 |
| Assets per employee ($millions) | 4.5523% | 2,843 |
| Cash dividends to net income (ytd only)* | 49.7608% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6603% | 6,232 |
| Loan loss allowance to noncurrent loans | 55.9168% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 4,041 |
| Noncurrent loans to loans | 1.1809% | 2,870 |
| Net loans and leases to total assets | 54.6544% | 4,457 |
| Net loans and leases to deposits | 59.6064% | 4,897 |
| Net loans and leases to core deposits | 66.5641% | 4,586 |
| Total domestic deposits to total assets | 91.6923% | 221 |
| Equity capital to assets | 8.2274% | 6,008 |
| Core capital (leverage) ratio | 8.4979% | 5,639 |
| Tier 1 risk-based capital ratio | 18.8463% | 1,958 |
| Total risk-based capital ratio | 19.7101% | 2,039 |
| Memoranda: | ||
| Average total assets | $112,993,330 | 4,382 |
| Average earning assets | $108,960,670 | 4,269 |
| Average equity | $9,613,000 | 4,887 |
| Average total loans | $65,445,670 | 4,377 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2206% | 5,975 |
| Cost of funding earning assets | 0.2222% | 5,830 |
| Net interest margin | 2.9983% | 5,524 |
| Noninterest income to average assets | 0.6817% | 2,275 |
| Noninterest expense to average assets | 3.2019% | 2,229 |
| Loan and lease loss provision to assets | 0.0653% | 2,820 |
| Net operating income to assets | 0.3010% | 5,491 |
| Return on assets (ROA) | 0.3010% | 5,534 |
| Pretax return on assets | 0.3010% | 5,716 |
| Return on Equity (ROE) | 3.4763% | 5,286 |
| Retained earnings to average equity (ytd only) | 1.2984% | 5,097 |
| Net charge-offs to loans | 0.0122% | 3,365 |
| Credit loss provision to net charge-offs | 900.0000% | 337 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 748 |
| Efficiency ratio | 89.7358% | 1,059 |
| Assets per employee ($millions) | 4.2577% | 3,426 |
| Cash dividends to net income (ytd only)* | 62.6506% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 6,350 |
| Loan loss allowance to noncurrent loans | 61.4599% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 4,271 |
| Noncurrent loans to loans | 1.0476% | 3,327 |
| Net loans and leases to total assets | 58.6878% | 3,739 |
| Net loans and leases to deposits | 64.3012% | 4,286 |
| Net loans and leases to core deposits | 72.7680% | 3,785 |
| Total domestic deposits to total assets | 91.2702% | 458 |
| Equity capital to assets | 8.6684% | 5,474 |
| Core capital (leverage) ratio | 8.5035% | 5,639 |
| Tier 1 risk-based capital ratio | 18.7642% | 2,042 |
| Total risk-based capital ratio | 19.6128% | 2,128 |
| Memoranda: | ||
| Average total assets | $110,310,000 | 4,476 |
| Average earning assets | $106,192,000 | 4,357 |
| Average equity | $9,550,500 | 4,926 |
| Average total loans | $65,609,000 | 4,405 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1817% | 6,155 |
| Cost of funding earning assets | 0.2336% | 6,068 |
| Net interest margin | 2.9481% | 5,684 |
| Noninterest income to average assets | 0.7283% | 2,391 |
| Noninterest expense to average assets | 3.0155% | 3,009 |
| Loan and lease loss provision to assets | 0.0135% | 4,854 |
| Net operating income to assets | 0.5325% | 4,585 |
| Return on assets (ROA) | 0.5325% | 4,711 |
| Pretax return on assets | 0.5325% | 5,097 |
| Return on Equity (ROE) | 6.2397% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.3874% | 2,357 |
| Net charge-offs to loans | 0.0228% | 4,974 |
| Credit loss provision to net charge-offs | 107.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 43.4286% | 886 |
| Efficiency ratio | 84.6697% | 1,552 |
| Assets per employee ($millions) | 4.2277% | 3,402 |
| Cash dividends to net income (ytd only)* | 13.6594% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 6,454 |
| Loan loss allowance to noncurrent loans | 59.1241% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 4,371 |
| Noncurrent loans to loans | 1.0406% | 3,431 |
| Net loans and leases to total assets | 59.5202% | 3,792 |
| Net loans and leases to deposits | 65.2069% | 4,390 |
| Net loans and leases to core deposits | 75.0378% | 3,728 |
| Total domestic deposits to total assets | 91.2790% | 475 |
| Equity capital to assets | 8.6473% | 5,427 |
| Core capital (leverage) ratio | 8.4636% | 5,711 |
| Tier 1 risk-based capital ratio | 18.5265% | 2,072 |
| Total risk-based capital ratio | 19.3354% | 2,188 |
| Memoranda: | ||
| Average total assets | $111,359,200 | 4,471 |
| Average earning assets | $107,018,200 | 4,338 |
| Average equity | $9,503,600 | 4,975 |
| Average total loans | $61,391,000 | 4,567 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1569% | 6,247 |
| Cost of funding earning assets | 0.2347% | 6,192 |
| Net interest margin | 2.9221% | 5,761 |
| Noninterest income to average assets | 0.7340% | 2,444 |
| Noninterest expense to average assets | 3.0254% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5168% | 4,734 |
| Return on assets (ROA) | 0.5168% | 4,883 |
| Pretax return on assets | 0.5168% | 5,305 |
| Return on Equity (ROE) | 6.0750% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.3173% | 2,866 |
| Net charge-offs to loans | 0.0066% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 144.3300% | 384 |
| Efficiency ratio | 85.4111% | 1,426 |
| Assets per employee ($millions) | 4.2644% | 3,298 |
| Cash dividends to net income (ytd only)* | 12.4714% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 58.0641% | 4,004 |
| Net loans and leases to deposits | 63.5173% | 4,567 |
| Net loans and leases to core deposits | 72.8786% | 3,988 |
| Total domestic deposits to total assets | 91.4146% | 389 |
| Equity capital to assets | 8.5322% | 5,698 |
| Core capital (leverage) ratio | 8.1073% | 6,144 |
| Tier 1 risk-based capital ratio | 18.3699% | 2,188 |
| Total risk-based capital ratio | 19.1756% | 2,317 |
| Memoranda: | ||
| Average total assets | $111,719,250 | 4,512 |
| Average earning assets | $107,361,750 | 4,373 |
| Average equity | $9,503,250 | 5,035 |
| Average total loans | $60,281,500 | 4,650 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0880% | 6,351 |
| Cost of funding earning assets | 0.2364% | 6,260 |
| Net interest margin | 2.8516% | 5,892 |
| Noninterest income to average assets | 0.7054% | 2,606 |
| Noninterest expense to average assets | 2.9875% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4536% | 4,998 |
| Return on assets (ROA) | 0.4536% | 5,170 |
| Pretax return on assets | 0.4536% | 5,509 |
| Return on Equity (ROE) | 5.3374% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.7701% | 3,207 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8189% | 1,332 |
| Assets per employee ($millions) | 4.2947% | 3,181 |
| Cash dividends to net income (ytd only)* | 10.6299% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 6,555 |
| Loan loss allowance to noncurrent loans | 13,533.3333% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,572 |
| Noncurrent loans to loans | 0.0048% | 6,433 |
| Net loans and leases to total assets | 55.1002% | 4,435 |
| Net loans and leases to deposits | 60.0066% | 4,979 |
| Net loans and leases to core deposits | 68.6490% | 4,436 |
| Total domestic deposits to total assets | 91.8235% | 283 |
| Equity capital to assets | 8.1111% | 6,120 |
| Core capital (leverage) ratio | 8.1939% | 6,016 |
| Tier 1 risk-based capital ratio | 18.8831% | 2,024 |
| Total risk-based capital ratio | 19.7313% | 2,109 |
| Memoranda: | ||
| Average total assets | $112,001,000 | 4,539 |
| Average earning assets | $107,447,330 | 4,403 |
| Average equity | $9,517,670 | 5,053 |
| Average total loans | $58,781,670 | 4,712 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0725% | 6,427 |
| Cost of funding earning assets | 0.2424% | 6,335 |
| Net interest margin | 2.8301% | 5,975 |
| Noninterest income to average assets | 0.6882% | 2,661 |
| Noninterest expense to average assets | 3.1096% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2853% | 5,610 |
| Return on assets (ROA) | 0.2853% | 5,730 |
| Pretax return on assets | 0.2853% | 5,885 |
| Return on Equity (ROE) | 3.2827% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.2827% | 4,281 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5966% | 1,017 |
| Assets per employee ($millions) | 4.3001% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 6,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.9758% | 4,707 |
| Net loans and leases to deposits | 56.9287% | 5,148 |
| Net loans and leases to core deposits | 63.3165% | 4,813 |
| Total domestic deposits to total assets | 91.2998% | 409 |
| Equity capital to assets | 8.6421% | 5,868 |
| Core capital (leverage) ratio | 7.7883% | 6,301 |
| Tier 1 risk-based capital ratio | 19.0760% | 2,025 |
| Total risk-based capital ratio | 19.9472% | 2,100 |
| Memoranda: | ||
| Average total assets | $112,170,500 | 4,574 |
| Average earning assets | $107,275,500 | 4,438 |
| Average equity | $9,748,000 | 5,053 |
| Average total loans | $57,206,500 | 4,809 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 6,547 |
| Cost of funding earning assets | 0.2860% | 6,518 |
| Net interest margin | 3.0559% | 5,915 |
| Noninterest income to average assets | 0.7628% | 2,434 |
| Noninterest expense to average assets | 3.3452% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3394% | 5,329 |
| Return on assets (ROA) | 0.4280% | 5,221 |
| Pretax return on assets | 0.4280% | 5,487 |
| Return on Equity (ROE) | 4.6262% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.6262% | 2,968 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7881% | 1,005 |
| Assets per employee ($millions) | 4.5016% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 6,604 |
| Loan loss allowance to noncurrent loans | 431.9149% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 6,387 |
| Noncurrent loans to loans | 0.1682% | 6,062 |
| Net loans and leases to total assets | 49.3082% | 5,265 |
| Net loans and leases to deposits | 54.0621% | 5,641 |
| Net loans and leases to core deposits | 61.6293% | 5,197 |
| Total domestic deposits to total assets | 91.2066% | 428 |
| Equity capital to assets | 8.7383% | 5,809 |
| Core capital (leverage) ratio | 8.1496% | 6,042 |
| Tier 1 risk-based capital ratio | 19.5874% | 1,790 |
| Total risk-based capital ratio | 20.4900% | 1,862 |
| Memoranda: | ||
| Average total assets | $106,063,200 | 4,680 |
| Average earning assets | $101,411,400 | 4,563 |
| Average equity | $9,813,600 | 5,019 |
| Average total loans | $49,468,200 | 5,129 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4329% | 6,585 |
| Cost of funding earning assets | 0.2917% | 6,651 |
| Net interest margin | 3.1412% | 5,839 |
| Noninterest income to average assets | 0.7710% | 2,372 |
| Noninterest expense to average assets | 3.4518% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3294% | 5,512 |
| Return on assets (ROA) | 0.3511% | 5,633 |
| Pretax return on assets | 0.3511% | 5,837 |
| Return on Equity (ROE) | 3.7382% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.7382% | 4,262 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2897% | 940 |
| Assets per employee ($millions) | 4.0830% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 6,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.0584% | 5,309 |
| Net loans and leases to deposits | 55.3604% | 5,682 |
| Net loans and leases to core deposits | 62.7758% | 5,287 |
| Total domestic deposits to total assets | 90.4228% | 622 |
| Equity capital to assets | 9.5424% | 5,152 |
| Core capital (leverage) ratio | 7.9982% | 6,330 |
| Tier 1 risk-based capital ratio | 19.3464% | 1,907 |
| Total risk-based capital ratio | 20.2564% | 1,979 |
| Memoranda: | ||
| Average total assets | $104,444,250 | 4,761 |
| Average earning assets | $100,087,250 | 4,642 |
| Average equity | $9,808,500 | 5,071 |
| Average total loans | $47,861,000 | 5,240 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4442% | 6,681 |
| Cost of funding earning assets | 0.2892% | 6,771 |
| Net interest margin | 3.1550% | 5,857 |
| Noninterest income to average assets | 0.7702% | 2,333 |
| Noninterest expense to average assets | 3.4542% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3408% | 5,462 |
| Return on assets (ROA) | 0.3408% | 5,685 |
| Pretax return on assets | 0.3408% | 5,856 |
| Return on Equity (ROE) | 3.6490% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.6490% | 4,169 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0198% | 994 |
| Assets per employee ($millions) | 4.0507% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 6,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.9034% | 5,834 |
| Net loans and leases to deposits | 50.6416% | 6,136 |
| Net loans and leases to core deposits | 57.3161% | 5,829 |
| Total domestic deposits to total assets | 90.6437% | 592 |
| Equity capital to assets | 9.2870% | 5,341 |
| Core capital (leverage) ratio | 8.1281% | 6,125 |
| Tier 1 risk-based capital ratio | 19.7871% | 1,762 |
| Total risk-based capital ratio | 20.7286% | 1,826 |
| Memoranda: | ||
| Average total assets | $103,873,000 | 4,805 |
| Average earning assets | $99,587,670 | 4,676 |
| Average equity | $9,701,330 | 5,109 |
| Average total loans | $45,965,670 | 5,342 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 6,745 |
| Cost of funding earning assets | 0.2988% | 6,843 |
| Net interest margin | 3.1614% | 5,874 |
| Noninterest income to average assets | 0.7639% | 2,326 |
| Noninterest expense to average assets | 3.6452% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1551% | 6,107 |
| Return on assets (ROA) | 0.1551% | 6,238 |
| Pretax return on assets | 0.1551% | 6,284 |
| Return on Equity (ROE) | 1.6561% | 6,173 |
| Retained earnings to average equity (ytd only) | 1.6561% | 5,407 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9184% | 724 |
| Assets per employee ($millions) | 3.8870% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 6,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.1480% | 6,089 |
| Net loans and leases to deposits | 47.5297% | 6,318 |
| Net loans and leases to core deposits | 53.4811% | 6,098 |
| Total domestic deposits to total assets | 90.7811% | 650 |
| Equity capital to assets | 9.2046% | 5,230 |
| Core capital (leverage) ratio | 8.1323% | 6,116 |
| Tier 1 risk-based capital ratio | 19.8168% | 1,754 |
| Total risk-based capital ratio | 20.7751% | 1,805 |
| Memoranda: | ||
| Average total assets | $103,150,000 | 4,860 |
| Average earning assets | $99,069,000 | 4,716 |
| Average equity | $9,661,500 | 5,128 |
| Average total loans | $44,573,000 | 5,444 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 6,816 |
| Cost of funding earning assets | 0.3607% | 6,985 |
| Net interest margin | 3.3664% | 5,594 |
| Noninterest income to average assets | 0.7968% | 2,077 |
| Noninterest expense to average assets | 3.6690% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3514% | 5,059 |
| Return on assets (ROA) | 0.5028% | 4,623 |
| Pretax return on assets | 0.5028% | 4,984 |
| Return on Equity (ROE) | 5.4630% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.4630% | 2,329 |
| Net charge-offs to loans | 0.0025% | 6,421 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 98 |
| Efficiency ratio | 91.2605% | 1,100 |
| Assets per employee ($millions) | 3.6197% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.4767% | 6,340 |
| Net loans and leases to deposits | 46.9933% | 6,567 |
| Net loans and leases to core deposits | 52.5166% | 6,402 |
| Total domestic deposits to total assets | 90.3889% | 767 |
| Equity capital to assets | 9.5341% | 4,826 |
| Core capital (leverage) ratio | 8.0908% | 6,152 |
| Tier 1 risk-based capital ratio | 20.2388% | 1,586 |
| Total risk-based capital ratio | 21.2222% | 1,620 |
| Memoranda: | ||
| Average total assets | $101,034,800 | 4,865 |
| Average earning assets | $96,750,800 | 4,721 |
| Average equity | $9,299,000 | 5,207 |
| Average total loans | $40,723,200 | 5,660 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 6,878 |
| Cost of funding earning assets | 0.3725% | 7,083 |
| Net interest margin | 3.3914% | 5,603 |
| Noninterest income to average assets | 0.8096% | 2,012 |
| Noninterest expense to average assets | 3.7256% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3302% | 5,292 |
| Return on assets (ROA) | 0.5322% | 4,585 |
| Pretax return on assets | 0.5322% | 5,032 |
| Return on Equity (ROE) | 5.8354% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.8354% | 2,648 |
| Net charge-offs to loans | 0.0033% | 6,150 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 250.6241% | 161 |
| Efficiency ratio | 91.8593% | 1,040 |
| Assets per employee ($millions) | 3.7003% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.3477% | 6,686 |
| Net loans and leases to deposits | 43.5396% | 6,857 |
| Net loans and leases to core deposits | 48.4883% | 6,741 |
| Total domestic deposits to total assets | 90.3723% | 689 |
| Equity capital to assets | 9.5804% | 4,959 |
| Core capital (leverage) ratio | 7.9527% | 6,437 |
| Tier 1 risk-based capital ratio | 20.7645% | 1,507 |
| Total risk-based capital ratio | 21.7863% | 1,525 |
| Memoranda: | ||
| Average total assets | $100,955,500 | 4,896 |
| Average earning assets | $96,635,000 | 4,751 |
| Average equity | $9,208,000 | 5,258 |
| Average total loans | $40,039,750 | 5,742 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8205% | 6,901 |
| Cost of funding earning assets | 0.3866% | 7,160 |
| Net interest margin | 3.4338% | 5,427 |
| Noninterest income to average assets | 0.8454% | 1,820 |
| Noninterest expense to average assets | 3.7513% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3777% | 5,043 |
| Return on assets (ROA) | 0.6835% | 3,751 |
| Pretax return on assets | 0.6835% | 4,448 |
| Return on Equity (ROE) | 7.6265% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.6265% | 1,611 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8519% | 1,184 |
| Assets per employee ($millions) | 3.5945% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 6,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 39.2558% | 6,785 |
| Net loans and leases to deposits | 43.2814% | 6,943 |
| Net loans and leases to core deposits | 48.3450% | 6,841 |
| Total domestic deposits to total assets | 90.6990% | 636 |
| Equity capital to assets | 9.2762% | 5,176 |
| Core capital (leverage) ratio | 8.1219% | 6,133 |
| Tier 1 risk-based capital ratio | 20.8993% | 1,443 |
| Total risk-based capital ratio | 21.9378% | 1,452 |
| Memoranda: | ||
| Average total assets | $100,071,670 | 4,960 |
| Average earning assets | $95,694,670 | 4,827 |
| Average equity | $8,968,670 | 5,335 |
| Average total loans | $39,662,000 | 5,814 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 6,851 |
| Cost of funding earning assets | 0.3940% | 7,233 |
| Net interest margin | 3.4829% | 5,086 |
| Noninterest income to average assets | 0.8218% | 1,950 |
| Noninterest expense to average assets | 3.6639% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4891% | 4,525 |
| Return on assets (ROA) | 0.8859% | 2,703 |
| Pretax return on assets | 0.8859% | 3,557 |
| Return on Equity (ROE) | 10.0626% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.0626% | 1,105 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2239% | 1,488 |
| Assets per employee ($millions) | 3.6094% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 40.2288% | 6,761 |
| Net loans and leases to deposits | 44.1927% | 6,947 |
| Net loans and leases to core deposits | 48.7652% | 6,842 |
| Total domestic deposits to total assets | 91.0303% | 614 |
| Equity capital to assets | 8.8342% | 5,437 |
| Core capital (leverage) ratio | 7.9915% | 6,268 |
| Tier 1 risk-based capital ratio | 20.2785% | 1,527 |
| Total risk-based capital ratio | 21.3013% | 1,543 |
| Memoranda: | ||
| Average total assets | $99,785,000 | 5,004 |
| Average earning assets | $95,436,500 | 4,868 |
| Average equity | $8,785,000 | 5,389 |
| Average total loans | $39,535,000 | 5,870 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 7,039 |
| Cost of funding earning assets | 0.5798% | 7,163 |
| Net interest margin | 3.5268% | 5,125 |
| Noninterest income to average assets | 0.8511% | 2,053 |
| Noninterest expense to average assets | 3.6488% | 1,810 |
| Loan and lease loss provision to assets | -0.1740% | 7,619 |
| Net operating income to assets | 0.7387% | 3,055 |
| Return on assets (ROA) | -1.6465% | 6,977 |
| Pretax return on assets | -1.6465% | 6,912 |
| Return on Equity (ROE) | -19.4892% | 7,028 |
| Retained earnings to average equity (ytd only) | -24.4204% | 7,100 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5975% | 1,614 |
| Assets per employee ($millions) | 3.6484% | 4,584 |
| Cash dividends to net income (ytd only)* | -25.3019% | 7,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 6,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 38.1695% | 7,065 |
| Net loans and leases to deposits | 41.8844% | 7,186 |
| Net loans and leases to core deposits | 46.4898% | 7,124 |
| Total domestic deposits to total assets | 91.1307% | 541 |
| Equity capital to assets | 8.7729% | 5,477 |
| Core capital (leverage) ratio | 7.7792% | 6,458 |
| Tier 1 risk-based capital ratio | 20.1769% | 1,452 |
| Total risk-based capital ratio | 21.2233% | 1,462 |
| Memoranda: | ||
| Average total assets | $100,580,000 | 4,971 |
| Average earning assets | $95,895,200 | 4,830 |
| Average equity | $8,497,000 | 5,546 |
| Average total loans | $36,813,200 | 6,074 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 7,171 |
| Cost of funding earning assets | 0.6212% | 7,248 |
| Net interest margin | 3.5046% | 5,274 |
| Noninterest income to average assets | 0.8546% | 1,978 |
| Noninterest expense to average assets | 3.5476% | 1,914 |
| Loan and lease loss provision to assets | -0.2308% | 7,725 |
| Net operating income to assets | 0.8783% | 2,704 |
| Return on assets (ROA) | -2.3857% | 7,335 |
| Pretax return on assets | -2.3857% | 7,293 |
| Return on Equity (ROE) | -28.5074% | 7,366 |
| Retained earnings to average equity (ytd only) | -35.1102% | 7,447 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5646% | 1,779 |
| Assets per employee ($millions) | 3.5424% | 4,878 |
| Cash dividends to net income (ytd only)* | -23.1619% | 7,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 35.4257% | 7,290 |
| Net loans and leases to deposits | 38.9095% | 7,399 |
| Net loans and leases to core deposits | 44.3365% | 7,309 |
| Total domestic deposits to total assets | 91.0463% | 437 |
| Equity capital to assets | 8.8337% | 5,802 |
| Core capital (leverage) ratio | 7.4448% | 6,885 |
| Tier 1 risk-based capital ratio | 18.0812% | 2,006 |
| Total risk-based capital ratio | 19.0375% | 2,048 |
| Memoranda: | ||
| Average total assets | $101,098,000 | 5,009 |
| Average earning assets | $96,367,250 | 4,879 |
| Average equity | $8,460,750 | 5,637 |
| Average total loans | $36,514,750 | 6,174 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 7,243 |
| Cost of funding earning assets | 0.6438% | 7,310 |
| Net interest margin | 3.4974% | 5,256 |
| Noninterest income to average assets | 0.8512% | 1,877 |
| Noninterest expense to average assets | 3.5425% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6409% | 3,673 |
| Return on assets (ROA) | 0.6409% | 3,821 |
| Pretax return on assets | 0.6409% | 4,428 |
| Return on Equity (ROE) | 7.7987% | 2,963 |
| Retained earnings to average equity (ytd only) | 3.9472% | 3,568 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6805% | 1,847 |
| Assets per employee ($millions) | 3.6821% | 4,518 |
| Cash dividends to net income (ytd only)* | 49.3865% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 3,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 33.4638% | 7,436 |
| Net loans and leases to deposits | 36.4846% | 7,525 |
| Net loans and leases to core deposits | 40.8840% | 7,473 |
| Total domestic deposits to total assets | 91.7204% | 287 |
| Equity capital to assets | 8.1597% | 6,585 |
| Core capital (leverage) ratio | 7.3884% | 6,928 |
| Tier 1 risk-based capital ratio | 17.2475% | 2,182 |
| Total risk-based capital ratio | 18.4978% | 2,148 |
| Memoranda: | ||
| Average total assets | $101,734,670 | 5,029 |
| Average earning assets | $96,929,670 | 4,906 |
| Average equity | $8,360,330 | 5,680 |
| Average total loans | $36,838,000 | 6,199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 7,135 |
| Cost of funding earning assets | 0.6804% | 7,377 |
| Net interest margin | 3.6177% | 4,638 |
| Noninterest income to average assets | 0.8749% | 1,722 |
| Noninterest expense to average assets | 3.5036% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8225% | 2,873 |
| Return on assets (ROA) | 0.8225% | 2,965 |
| Pretax return on assets | 0.8225% | 3,781 |
| Return on Equity (ROE) | 9.9707% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.8690% | 1,764 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9879% | 2,413 |
| Assets per employee ($millions) | 3.5873% | 4,852 |
| Cash dividends to net income (ytd only)* | 21.0784% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 3,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 35.9182% | 7,425 |
| Net loans and leases to deposits | 39.2361% | 7,540 |
| Net loans and leases to core deposits | 44.6864% | 7,467 |
| Total domestic deposits to total assets | 91.5436% | 359 |
| Equity capital to assets | 8.2961% | 6,306 |
| Core capital (leverage) ratio | 7.3842% | 6,950 |
| Tier 1 risk-based capital ratio | 17.1643% | 2,212 |
| Total risk-based capital ratio | 18.4146% | 2,165 |
| Memoranda: | ||
| Average total assets | $99,211,500 | 5,174 |
| Average earning assets | $94,647,000 | 5,025 |
| Average equity | $8,184,000 | 5,780 |
| Average total loans | $37,099,500 | 6,261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 7,285 |
| Cost of funding earning assets | 1.0007% | 7,204 |
| Net interest margin | 3.6028% | 4,541 |
| Noninterest income to average assets | 0.7886% | 2,461 |
| Noninterest expense to average assets | 3.6030% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6354% | 3,193 |
| Return on assets (ROA) | 0.6395% | 3,234 |
| Pretax return on assets | 0.6395% | 3,778 |
| Return on Equity (ROE) | 8.0656% | 2,338 |
| Retained earnings to average equity (ytd only) | 5.8366% | 1,411 |
| Net charge-offs to loans | -0.0027% | 7,701 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0084% | 2,226 |
| Assets per employee ($millions) | 3.6288% | 4,700 |
| Cash dividends to net income (ytd only)* | 27.6358% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 37.7197% | 7,455 |
| Net loans and leases to deposits | 41.1502% | 7,592 |
| Net loans and leases to core deposits | 55.0176% | 7,440 |
| Total domestic deposits to total assets | 91.6634% | 337 |
| Equity capital to assets | 8.2008% | 6,341 |
| Core capital (leverage) ratio | 7.3217% | 6,961 |
| Tier 1 risk-based capital ratio | 16.4737% | 2,329 |
| Total risk-based capital ratio | 17.7247% | 2,274 |
| Memoranda: | ||
| Average total assets | $97,890,800 | 5,142 |
| Average earning assets | $93,733,800 | 5,016 |
| Average equity | $7,761,400 | 6,007 |
| Average total loans | $37,357,200 | 6,233 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 7,375 |
| Cost of funding earning assets | 1.0842% | 7,207 |
| Net interest margin | 3.5480% | 4,676 |
| Noninterest income to average assets | 0.7793% | 2,553 |
| Noninterest expense to average assets | 3.5707% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6103% | 3,579 |
| Return on assets (ROA) | 0.6158% | 3,600 |
| Pretax return on assets | 0.6158% | 4,143 |
| Return on Equity (ROE) | 7.8337% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.5807% | 2,163 |
| Net charge-offs to loans | -0.0036% | 7,611 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4024% | 2,141 |
| Assets per employee ($millions) | 3.6529% | 4,534 |
| Cash dividends to net income (ytd only)* | 28.7613% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.8472% | 7,624 |
| Net loans and leases to deposits | 39.3025% | 7,755 |
| Net loans and leases to core deposits | 53.9392% | 7,594 |
| Total domestic deposits to total assets | 91.2083% | 340 |
| Equity capital to assets | 8.6923% | 5,966 |
| Core capital (leverage) ratio | 7.1161% | 7,353 |
| Tier 1 risk-based capital ratio | 16.2932% | 2,518 |
| Total risk-based capital ratio | 17.5440% | 2,452 |
| Memoranda: | ||
| Average total assets | $97,869,000 | 5,177 |
| Average earning assets | $93,834,500 | 5,042 |
| Average equity | $7,693,000 | 6,086 |
| Average total loans | $37,311,750 | 6,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 7,413 |
| Cost of funding earning assets | 1.1615% | 7,214 |
| Net interest margin | 3.5228% | 4,686 |
| Noninterest income to average assets | 0.7642% | 2,627 |
| Noninterest expense to average assets | 3.5752% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5696% | 3,810 |
| Return on assets (ROA) | 0.5696% | 3,919 |
| Pretax return on assets | 0.5696% | 4,408 |
| Return on Equity (ROE) | 7.5138% | 2,966 |
| Retained earnings to average equity (ytd only) | 5.1624% | 2,420 |
| Net charge-offs to loans | -0.0053% | 7,534 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2580% | 2,206 |
| Assets per employee ($millions) | 3.5065% | 4,806 |
| Cash dividends to net income (ytd only)* | 31.2950% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 2,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.6698% | 7,717 |
| Net loans and leases to deposits | 38.6247% | 7,849 |
| Net loans and leases to core deposits | 51.6130% | 7,722 |
| Total domestic deposits to total assets | 92.3498% | 163 |
| Equity capital to assets | 7.5758% | 7,202 |
| Core capital (leverage) ratio | 6.8974% | 7,604 |
| Tier 1 risk-based capital ratio | 15.8831% | 2,667 |
| Total risk-based capital ratio | 16.9203% | 2,674 |
| Memoranda: | ||
| Average total assets | $97,616,330 | 5,229 |
| Average earning assets | $93,676,000 | 5,078 |
| Average equity | $7,399,670 | 6,220 |
| Average total loans | $37,770,000 | 6,305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7994% | 7,369 |
| Cost of funding earning assets | 1.2459% | 7,182 |
| Net interest margin | 3.5535% | 4,510 |
| Noninterest income to average assets | 0.7726% | 2,468 |
| Noninterest expense to average assets | 3.4479% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7356% | 3,409 |
| Return on assets (ROA) | 0.7356% | 3,597 |
| Pretax return on assets | 0.7356% | 4,303 |
| Return on Equity (ROE) | 9.7012% | 2,444 |
| Retained earnings to average equity (ytd only) | 7.3708% | 2,069 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4165% | 2,482 |
| Assets per employee ($millions) | 3.4830% | 4,862 |
| Cash dividends to net income (ytd only)* | 24.0223% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 2,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.4589% | 7,648 |
| Net loans and leases to deposits | 41.7603% | 7,791 |
| Net loans and leases to core deposits | 54.8324% | 7,654 |
| Total domestic deposits to total assets | 92.0943% | 170 |
| Equity capital to assets | 7.6503% | 7,218 |
| Core capital (leverage) ratio | 6.7240% | 7,788 |
| Tier 1 risk-based capital ratio | 15.0009% | 3,069 |
| Total risk-based capital ratio | 16.2514% | 3,003 |
| Memoranda: | ||
| Average total assets | $97,334,000 | 5,261 |
| Average earning assets | $93,429,000 | 5,105 |
| Average equity | $7,380,500 | 6,264 |
| Average total loans | $38,853,500 | 6,282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0748% | 7,788 |
| Cost of funding earning assets | 1.7299% | 7,185 |
| Net interest margin | 3.3449% | 5,885 |
| Noninterest income to average assets | 0.8223% | 2,396 |
| Noninterest expense to average assets | 3.5251% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5049% | 4,709 |
| Return on assets (ROA) | 0.5049% | 4,555 |
| Pretax return on assets | 0.5049% | 4,962 |
| Return on Equity (ROE) | 6.9590% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.7352% | 2,809 |
| Net charge-offs to loans | 0.0078% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 163.3333% | 283 |
| Efficiency ratio | 87.4712% | 1,726 |
| Assets per employee ($millions) | 3.4694% | 4,751 |
| Cash dividends to net income (ytd only)* | 46.3265% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 2,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 40.1861% | 7,663 |
| Net loans and leases to deposits | 43.9984% | 7,849 |
| Net loans and leases to core deposits | 54.7863% | 7,775 |
| Total domestic deposits to total assets | 91.3355% | 241 |
| Equity capital to assets | 7.5147% | 7,369 |
| Core capital (leverage) ratio | 6.9890% | 7,706 |
| Tier 1 risk-based capital ratio | 15.1438% | 2,981 |
| Total risk-based capital ratio | 16.3950% | 2,907 |
| Memoranda: | ||
| Average total assets | $97,046,600 | 5,139 |
| Average earning assets | $93,067,800 | 4,998 |
| Average equity | $7,041,200 | 6,441 |
| Average total loans | $38,394,600 | 6,249 |