Home > Town & Country Bank > Performance and Condition Ratios
Town & Country Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4343% | 1,251 |
| Cost of funding earning assets | 1.2480% | 2,660 |
| Net interest margin | 4.1864% | 956 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.1402% | 3,292 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.6236% | 833 |
| Return on assets (ROA) | 1.6236% | 802 |
| Pretax return on assets | 2.0218% | 647 |
| Return on Equity (ROE) | 15.6600% | 1,161 |
| Retained earnings to average equity (ytd only) | 9.0904% | 1,232 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.8229% | 3,922 |
| Assets per employee ($millions) | 7.6116% | 1,653 |
| Cash dividends to net income (ytd only)* | 41.9619% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,581 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,335 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.8800% | 2,585 |
| Net loans and leases to deposits | 77.1483% | 2,344 |
| Net loans and leases to core deposits | 85.7586% | 2,323 |
| Total domestic deposits to total assets | 81.5000% | 3,226 |
| Equity capital to assets | 10.1723% | 1,906 |
| Core capital (leverage) ratio | 13.3282% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $203,435,400 | 2,969 |
| Average earning assets | $191,191,400 | 2,935 |
| Average equity | $21,088,200 | 2,766 |
| Average total loans | $124,827,800 | 2,902 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 1,224 |
| Cost of funding earning assets | 1.0903% | 2,769 |
| Net interest margin | 4.2522% | 861 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.1857% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7451% | 736 |
| Return on assets (ROA) | 1.7451% | 722 |
| Pretax return on assets | 2.1154% | 638 |
| Return on Equity (ROE) | 16.7500% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.1037% | 798 |
| Net charge-offs to loans | -0.0011% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.8174% | 3,850 |
| Assets per employee ($millions) | 7.0818% | 1,894 |
| Cash dividends to net income (ytd only)* | 21.7575% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 2,672 |
| Loan loss allowance to noncurrent loans | 50,266.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 3,350 |
| Noncurrent loans to loans | 0.0023% | 3,807 |
| Net loans and leases to total assets | 63.6700% | 2,480 |
| Net loans and leases to deposits | 76.2072% | 2,394 |
| Net loans and leases to core deposits | 84.2489% | 2,312 |
| Total domestic deposits to total assets | 83.5500% | 2,889 |
| Equity capital to assets | 10.1436% | 1,745 |
| Core capital (leverage) ratio | 13.7024% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $199,110,250 | 3,002 |
| Average earning assets | $188,071,250 | 2,968 |
| Average equity | $20,746,750 | 2,786 |
| Average total loans | $120,934,000 | 2,946 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 1,251 |
| Cost of funding earning assets | 0.9488% | 2,778 |
| Net interest margin | 4.2233% | 903 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.2312% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7044% | 773 |
| Return on assets (ROA) | 1.7044% | 775 |
| Pretax return on assets | 2.0373% | 706 |
| Return on Equity (ROE) | 16.2100% | 1,228 |
| Retained earnings to average equity (ytd only) | 12.5589% | 877 |
| Net charge-offs to loans | -0.0017% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.2711% | 3,755 |
| Assets per employee ($millions) | 6.8840% | 2,014 |
| Cash dividends to net income (ytd only)* | 22.5134% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,190 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,313 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.8600% | 2,784 |
| Net loans and leases to deposits | 67.5048% | 2,948 |
| Net loans and leases to core deposits | 73.8690% | 2,896 |
| Total domestic deposits to total assets | 88.6700% | 1,359 |
| Equity capital to assets | 10.5822% | 1,556 |
| Core capital (leverage) ratio | 13.5229% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $197,023,333 | 3,022 |
| Average earning assets | $186,346,000 | 2,987 |
| Average equity | $20,718,333 | 2,800 |
| Average total loans | $117,153,667 | 2,984 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 1,330 |
| Cost of funding earning assets | 0.7921% | 2,762 |
| Net interest margin | 4.1552% | 1,012 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.2318% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7147% | 800 |
| Return on assets (ROA) | 1.7147% | 793 |
| Pretax return on assets | 1.9600% | 836 |
| Return on Equity (ROE) | 16.3600% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.6740% | 1,149 |
| Net charge-offs to loans | -0.0035% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.2423% | 3,683 |
| Assets per employee ($millions) | 6.8608% | 2,068 |
| Cash dividends to net income (ytd only)* | 22.5268% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 1,758 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,327 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.7400% | 3,144 |
| Net loans and leases to deposits | 61.7944% | 3,238 |
| Net loans and leases to core deposits | 66.8020% | 3,169 |
| Total domestic deposits to total assets | 88.5800% | 1,707 |
| Equity capital to assets | 10.5316% | 1,549 |
| Core capital (leverage) ratio | 13.2097% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $195,716,500 | 3,066 |
| Average earning assets | $184,830,500 | 3,030 |
| Average equity | $20,514,500 | 2,839 |
| Average total loans | $115,229,000 | 3,030 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 1,801 |
| Cost of funding earning assets | 0.3078% | 2,812 |
| Net interest margin | 3.6607% | 1,472 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.1023% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3487% | 1,282 |
| Return on assets (ROA) | 1.3487% | 1,243 |
| Pretax return on assets | 1.6842% | 956 |
| Return on Equity (ROE) | 12.5200% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.6611% | 1,968 |
| Net charge-offs to loans | -0.0009% | 3,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.5205% | 3,626 |
| Assets per employee ($millions) | 6.8739% | 2,065 |
| Cash dividends to net income (ytd only)* | 38.8140% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,337 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.5800% | 2,488 |
| Net loans and leases to deposits | 70.4154% | 2,547 |
| Net loans and leases to core deposits | 75.3353% | 2,475 |
| Total domestic deposits to total assets | 87.4600% | 2,248 |
| Equity capital to assets | 10.4302% | 1,486 |
| Core capital (leverage) ratio | 13.3072% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $192,549,000 | 3,083 |
| Average earning assets | $182,587,400 | 3,051 |
| Average equity | $20,741,200 | 2,882 |
| Average total loans | $114,899,600 | 2,977 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 1,930 |
| Cost of funding earning assets | 0.2536% | 2,665 |
| Net interest margin | 3.4853% | 1,706 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.0958% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2767% | 1,435 |
| Return on assets (ROA) | 1.2767% | 1,400 |
| Pretax return on assets | 1.5336% | 1,313 |
| Return on Equity (ROE) | 11.7600% | 2,114 |
| Retained earnings to average equity (ytd only) | 8.1435% | 1,944 |
| Net charge-offs to loans | -0.0012% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.7451% | 3,411 |
| Assets per employee ($millions) | 6.9452% | 1,987 |
| Cash dividends to net income (ytd only)* | 30.7484% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 2,191 |
| Loan loss allowance to noncurrent loans | 150,700.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,429 |
| Noncurrent loans to loans | 0.0008% | 3,981 |
| Net loans and leases to total assets | 60.4300% | 2,453 |
| Net loans and leases to deposits | 67.7959% | 2,551 |
| Net loans and leases to core deposits | 72.3580% | 2,461 |
| Total domestic deposits to total assets | 89.1300% | 2,037 |
| Equity capital to assets | 9.7338% | 1,755 |
| Core capital (leverage) ratio | 12.8254% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $192,568,750 | 3,110 |
| Average earning assets | $182,973,750 | 3,069 |
| Average equity | $20,907,750 | 2,912 |
| Average total loans | $113,615,000 | 3,002 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 2,136 |
| Cost of funding earning assets | 0.2387% | 2,408 |
| Net interest margin | 3.2636% | 2,014 |
| Noninterest income to average assets | 0.3355% | 3,149 |
| Noninterest expense to average assets | 2.1622% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0691% | 1,899 |
| Return on assets (ROA) | 1.0691% | 1,879 |
| Pretax return on assets | 1.2785% | 1,819 |
| Return on Equity (ROE) | 9.5144% | 2,518 |
| Retained earnings to average equity (ytd only) | 6.0091% | 2,334 |
| Net charge-offs to loans | -0.0018% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8407% | 2,936 |
| Assets per employee ($millions) | 6.9086% | 2,000 |
| Cash dividends to net income (ytd only)* | 36.8421% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,757 |
| Loan loss allowance to noncurrent loans | 150,700.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,514 |
| Noncurrent loans to loans | 0.0009% | 4,008 |
| Net loans and leases to total assets | 54.9230% | 2,871 |
| Net loans and leases to deposits | 61.5021% | 2,927 |
| Net loans and leases to core deposits | 66.1612% | 2,804 |
| Total domestic deposits to total assets | 89.3026% | 2,045 |
| Equity capital to assets | 9.8904% | 1,776 |
| Core capital (leverage) ratio | 12.7392% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,936,333 | 3,146 |
| Average earning assets | $182,619,667 | 3,116 |
| Average equity | $21,567,333 | 2,937 |
| Average total loans | $111,815,000 | 3,041 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 2,236 |
| Cost of funding earning assets | 0.2416% | 2,251 |
| Net interest margin | 3.1100% | 2,140 |
| Noninterest income to average assets | 0.3724% | 2,858 |
| Noninterest expense to average assets | 2.1759% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9750% | 1,984 |
| Return on assets (ROA) | 0.9750% | 1,978 |
| Pretax return on assets | 1.1591% | 1,957 |
| Return on Equity (ROE) | 8.1808% | 2,610 |
| Retained earnings to average equity (ytd only) | 4.8628% | 2,642 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2447% | 2,867 |
| Assets per employee ($millions) | 7.1572% | 1,887 |
| Cash dividends to net income (ytd only)* | 40.5579% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,825 |
| Loan loss allowance to noncurrent loans | 75,300.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,560 |
| Noncurrent loans to loans | 0.0019% | 4,037 |
| Net loans and leases to total assets | 54.0143% | 2,759 |
| Net loans and leases to deposits | 61.4817% | 2,761 |
| Net loans and leases to core deposits | 66.4050% | 2,598 |
| Total domestic deposits to total assets | 87.8543% | 2,591 |
| Equity capital to assets | 11.1946% | 1,241 |
| Core capital (leverage) ratio | 12.4784% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,184,500 | 3,164 |
| Average earning assets | $182,121,000 | 3,129 |
| Average equity | $22,785,000 | 2,924 |
| Average total loans | $113,847,500 | 3,018 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 849 |
| Cost of funding earning assets | 0.3167% | 2,231 |
| Net interest margin | 3.9830% | 740 |
| Noninterest income to average assets | 0.4713% | 2,720 |
| Noninterest expense to average assets | 2.1166% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7138% | 614 |
| Return on assets (ROA) | 1.7280% | 618 |
| Pretax return on assets | 2.1380% | 463 |
| Return on Equity (ROE) | 13.4109% | 1,341 |
| Retained earnings to average equity (ytd only) | 9.1289% | 1,162 |
| Net charge-offs to loans | -0.0027% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9548% | 4,286 |
| Assets per employee ($millions) | 6.7544% | 2,102 |
| Cash dividends to net income (ytd only)* | 31.9290% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,700 |
| Loan loss allowance to noncurrent loans | 75,300.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,645 |
| Noncurrent loans to loans | 0.0016% | 4,120 |
| Net loans and leases to total assets | 63.6106% | 1,750 |
| Net loans and leases to deposits | 76.2507% | 1,544 |
| Net loans and leases to core deposits | 82.3536% | 1,438 |
| Total domestic deposits to total assets | 83.4230% | 3,718 |
| Equity capital to assets | 12.6568% | 1,009 |
| Core capital (leverage) ratio | 12.9371% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,694,800 | 3,190 |
| Average earning assets | $172,732,200 | 3,155 |
| Average equity | $23,540,600 | 2,935 |
| Average total loans | $112,897,000 | 3,026 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 619 |
| Cost of funding earning assets | 0.3311% | 2,287 |
| Net interest margin | 4.2180% | 522 |
| Noninterest income to average assets | 0.3696% | 3,251 |
| Noninterest expense to average assets | 2.1462% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7849% | 688 |
| Return on assets (ROA) | 1.7950% | 703 |
| Pretax return on assets | 2.2125% | 530 |
| Return on Equity (ROE) | 13.8668% | 1,428 |
| Retained earnings to average equity (ytd only) | 10.6418% | 1,138 |
| Net charge-offs to loans | -0.0036% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3817% | 4,272 |
| Assets per employee ($millions) | 6.6308% | 2,150 |
| Cash dividends to net income (ytd only)* | 23.2568% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,625 |
| Loan loss allowance to noncurrent loans | 75,300.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,815 |
| Noncurrent loans to loans | 0.0017% | 4,217 |
| Net loans and leases to total assets | 62.9545% | 1,894 |
| Net loans and leases to deposits | 74.6430% | 1,796 |
| Net loans and leases to core deposits | 81.2318% | 1,636 |
| Total domestic deposits to total assets | 84.3408% | 3,353 |
| Equity capital to assets | 13.0103% | 976 |
| Core capital (leverage) ratio | 12.7420% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,087,500 | 3,235 |
| Average earning assets | $170,723,750 | 3,207 |
| Average equity | $23,441,500 | 2,982 |
| Average total loans | $110,669,000 | 3,106 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 324 |
| Cost of funding earning assets | 0.3497% | 2,319 |
| Net interest margin | 4.6892% | 268 |
| Noninterest income to average assets | 0.4077% | 3,068 |
| Noninterest expense to average assets | 2.1697% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1664% | 364 |
| Return on assets (ROA) | 2.1820% | 371 |
| Pretax return on assets | 2.6631% | 274 |
| Return on Equity (ROE) | 16.8853% | 800 |
| Retained earnings to average equity (ytd only) | 13.6272% | 611 |
| Net charge-offs to loans | -0.0019% | 3,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0717% | 4,565 |
| Assets per employee ($millions) | 6.7183% | 2,010 |
| Cash dividends to net income (ytd only)* | 19.2956% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,397 |
| Loan loss allowance to noncurrent loans | 75,200.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,925 |
| Noncurrent loans to loans | 0.0017% | 4,265 |
| Net loans and leases to total assets | 60.3616% | 2,383 |
| Net loans and leases to deposits | 69.4475% | 2,470 |
| Net loans and leases to core deposits | 74.9363% | 2,338 |
| Total domestic deposits to total assets | 86.9169% | 2,374 |
| Equity capital to assets | 12.6174% | 1,083 |
| Core capital (leverage) ratio | 12.4816% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,563,000 | 3,253 |
| Average earning assets | $168,729,333 | 3,238 |
| Average equity | $23,203,667 | 2,993 |
| Average total loans | $108,096,000 | 3,151 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 176 |
| Cost of funding earning assets | 0.3833% | 2,234 |
| Net interest margin | 5.2107% | 147 |
| Noninterest income to average assets | 0.4336% | 2,908 |
| Noninterest expense to average assets | 2.2637% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6014% | 232 |
| Return on assets (ROA) | 2.6014% | 255 |
| Pretax return on assets | 3.0715% | 218 |
| Return on Equity (ROE) | 19.8797% | 539 |
| Retained earnings to average equity (ytd only) | 16.5838% | 459 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4294% | 4,652 |
| Assets per employee ($millions) | 7.0542% | 1,764 |
| Cash dividends to net income (ytd only)* | 16.5789% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,917 |
| Loan loss allowance to noncurrent loans | 50,100.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 3,849 |
| Noncurrent loans to loans | 0.0028% | 4,321 |
| Net loans and leases to total assets | 57.3601% | 2,870 |
| Net loans and leases to deposits | 65.9146% | 2,922 |
| Net loans and leases to core deposits | 70.4146% | 2,835 |
| Total domestic deposits to total assets | 87.0218% | 2,305 |
| Equity capital to assets | 12.6156% | 1,029 |
| Core capital (leverage) ratio | 12.8217% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,288,000 | 3,284 |
| Average earning assets | $164,890,500 | 3,270 |
| Average equity | $22,938,000 | 3,000 |
| Average total loans | $104,618,000 | 3,203 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,399 |
| Cost of funding earning assets | 0.6641% | 1,903 |
| Net interest margin | 3.8015% | 1,497 |
| Noninterest income to average assets | 0.2708% | 3,855 |
| Noninterest expense to average assets | 2.2704% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2647% | 1,348 |
| Return on assets (ROA) | 1.3212% | 1,295 |
| Pretax return on assets | 1.6196% | 1,031 |
| Return on Equity (ROE) | 9.6879% | 2,124 |
| Retained earnings to average equity (ytd only) | 0.8304% | 4,281 |
| Net charge-offs to loans | -0.0829% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4167% | 3,533 |
| Assets per employee ($millions) | 5.9703% | 2,358 |
| Cash dividends to net income (ytd only)* | 91.4286% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,707 |
| Loan loss allowance to noncurrent loans | 50,100.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,936 |
| Noncurrent loans to loans | 0.0029% | 4,398 |
| Net loans and leases to total assets | 60.4344% | 2,801 |
| Net loans and leases to deposits | 70.2704% | 2,855 |
| Net loans and leases to core deposits | 75.2439% | 2,797 |
| Total domestic deposits to total assets | 86.0027% | 2,365 |
| Equity capital to assets | 13.6019% | 896 |
| Core capital (leverage) ratio | 12.8275% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,888,800 | 3,223 |
| Average earning assets | $155,859,400 | 3,204 |
| Average equity | $22,760,400 | 2,956 |
| Average total loans | $107,393,400 | 3,133 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,207 |
| Cost of funding earning assets | 0.7202% | 1,906 |
| Net interest margin | 3.9188% | 1,306 |
| Noninterest income to average assets | 0.2606% | 3,915 |
| Noninterest expense to average assets | 2.2683% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3775% | 1,160 |
| Return on assets (ROA) | 1.4538% | 1,076 |
| Pretax return on assets | 1.7416% | 886 |
| Return on Equity (ROE) | 10.6530% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.3324% | 1,566 |
| Net charge-offs to loans | -0.1093% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8947% | 3,677 |
| Assets per employee ($millions) | 6.3302% | 1,968 |
| Cash dividends to net income (ytd only)* | 31.1710% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 1,978 |
| Loan loss allowance to noncurrent loans | 1,306.9565% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 3,560 |
| Noncurrent loans to loans | 0.1030% | 3,955 |
| Net loans and leases to total assets | 64.4738% | 2,709 |
| Net loans and leases to deposits | 77.0364% | 2,647 |
| Net loans and leases to core deposits | 81.9777% | 2,665 |
| Total domestic deposits to total assets | 83.6926% | 2,932 |
| Equity capital to assets | 13.9320% | 876 |
| Core capital (leverage) ratio | 13.3439% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,819,000 | 3,203 |
| Average earning assets | $155,689,500 | 3,189 |
| Average equity | $22,766,000 | 2,953 |
| Average total loans | $108,609,250 | 3,121 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 1,125 |
| Cost of funding earning assets | 0.7719% | 1,986 |
| Net interest margin | 4.0453% | 1,232 |
| Noninterest income to average assets | 0.3602% | 3,327 |
| Noninterest expense to average assets | 2.3898% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5171% | 896 |
| Return on assets (ROA) | 1.6065% | 820 |
| Pretax return on assets | 1.8628% | 721 |
| Return on Equity (ROE) | 11.8569% | 1,368 |
| Retained earnings to average equity (ytd only) | 8.4845% | 1,166 |
| Net charge-offs to loans | -0.1636% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6049% | 3,742 |
| Assets per employee ($millions) | 6.4141% | 1,853 |
| Cash dividends to net income (ytd only)* | 28.4424% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,811 |
| Loan loss allowance to noncurrent loans | 37,550.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,748 |
| Noncurrent loans to loans | 0.0036% | 4,510 |
| Net loans and leases to total assets | 63.7087% | 2,919 |
| Net loans and leases to deposits | 75.9648% | 2,873 |
| Net loans and leases to core deposits | 79.3881% | 2,993 |
| Total domestic deposits to total assets | 83.8661% | 2,794 |
| Equity capital to assets | 13.5736% | 961 |
| Core capital (leverage) ratio | 13.4045% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,453,333 | 3,196 |
| Average earning assets | $154,943,667 | 3,179 |
| Average equity | $22,417,333 | 2,971 |
| Average total loans | $107,579,333 | 3,130 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,602 |
| Cost of funding earning assets | 0.8651% | 2,031 |
| Net interest margin | 3.8704% | 1,756 |
| Noninterest income to average assets | 0.3589% | 3,376 |
| Noninterest expense to average assets | 2.4804% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3107% | 1,213 |
| Return on assets (ROA) | 1.3021% | 1,335 |
| Pretax return on assets | 1.4902% | 1,330 |
| Return on Equity (ROE) | 9.6194% | 1,871 |
| Retained earnings to average equity (ytd only) | 6.1630% | 1,813 |
| Net charge-offs to loans | -0.3338% | 4,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3134% | 3,463 |
| Assets per employee ($millions) | 5.8706% | 1,782 |
| Cash dividends to net income (ytd only)* | 35.9316% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,452 |
| Loan loss allowance to noncurrent loans | 30,040.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,812 |
| Noncurrent loans to loans | 0.0049% | 4,558 |
| Net loans and leases to total assets | 63.5570% | 3,119 |
| Net loans and leases to deposits | 74.1064% | 3,264 |
| Net loans and leases to core deposits | 77.6442% | 3,377 |
| Total domestic deposits to total assets | 85.7645% | 2,098 |
| Equity capital to assets | 13.7428% | 1,143 |
| Core capital (leverage) ratio | 13.6012% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,589,000 | 3,198 |
| Average earning assets | $151,198,500 | 3,181 |
| Average equity | $21,872,500 | 3,003 |
| Average total loans | $105,452,000 | 3,146 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 1,389 |
| Cost of funding earning assets | 0.9709% | 1,854 |
| Net interest margin | 4.0619% | 1,643 |
| Noninterest income to average assets | 0.2907% | 3,951 |
| Noninterest expense to average assets | 2.1396% | 4,291 |
| Loan and lease loss provision to assets | 0.0303% | 3,410 |
| Net operating income to assets | 1.5666% | 902 |
| Return on assets (ROA) | 1.5642% | 971 |
| Pretax return on assets | 1.9344% | 688 |
| Return on Equity (ROE) | 12.3583% | 1,380 |
| Retained earnings to average equity (ytd only) | 7.5243% | 1,160 |
| Net charge-offs to loans | -0.0027% | 4,256 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0910% | 4,598 |
| Assets per employee ($millions) | 6.0990% | 1,559 |
| Cash dividends to net income (ytd only)* | 39.1153% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 1,915 |
| Loan loss allowance to noncurrent loans | 1,096.1240% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 3,486 |
| Noncurrent loans to loans | 0.1187% | 4,059 |
| Net loans and leases to total assets | 65.1273% | 3,052 |
| Net loans and leases to deposits | 79.9831% | 2,780 |
| Net loans and leases to core deposits | 83.8680% | 2,959 |
| Total domestic deposits to total assets | 81.4262% | 3,671 |
| Equity capital to assets | 13.3367% | 1,347 |
| Core capital (leverage) ratio | 12.9876% | 1,238 |
| Tier 1 risk-based capital ratio | 15.6859% | 2,508 |
| Total risk-based capital ratio | 16.7135% | 2,521 |
| Memoranda: | ||
| Average total assets | $164,754,000 | 3,158 |
| Average earning assets | $154,803,600 | 3,138 |
| Average equity | $20,852,400 | 3,049 |
| Average total loans | $110,117,200 | 3,087 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 1,474 |
| Cost of funding earning assets | 0.9618% | 1,930 |
| Net interest margin | 4.0642% | 1,716 |
| Noninterest income to average assets | 0.2670% | 4,142 |
| Noninterest expense to average assets | 2.1670% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6088% | 912 |
| Return on assets (ROA) | 1.6054% | 958 |
| Pretax return on assets | 1.9185% | 828 |
| Return on Equity (ROE) | 12.8567% | 1,333 |
| Retained earnings to average equity (ytd only) | 9.1825% | 996 |
| Net charge-offs to loans | -0.0036% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9877% | 4,504 |
| Assets per employee ($millions) | 6.3028% | 1,387 |
| Cash dividends to net income (ytd only)* | 28.5786% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,639 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,666 |
| Noncurrent loans to loans | 0.1068% | 4,165 |
| Net loans and leases to total assets | 67.4059% | 2,875 |
| Net loans and leases to deposits | 85.4964% | 2,262 |
| Net loans and leases to core deposits | 88.9389% | 2,641 |
| Total domestic deposits to total assets | 78.8406% | 4,213 |
| Equity capital to assets | 12.8309% | 1,717 |
| Core capital (leverage) ratio | 12.8516% | 1,406 |
| Tier 1 risk-based capital ratio | 15.0474% | 2,824 |
| Total risk-based capital ratio | 16.0051% | 2,894 |
| Memoranda: | ||
| Average total assets | $164,774,250 | 3,187 |
| Average earning assets | $154,976,500 | 3,170 |
| Average equity | $20,575,000 | 3,101 |
| Average total loans | $110,481,250 | 3,115 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 1,514 |
| Cost of funding earning assets | 0.9646% | 1,846 |
| Net interest margin | 4.0241% | 1,846 |
| Noninterest income to average assets | 0.2479% | 4,265 |
| Noninterest expense to average assets | 2.2936% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4677% | 1,239 |
| Return on assets (ROA) | 1.4677% | 1,294 |
| Pretax return on assets | 1.7377% | 1,194 |
| Return on Equity (ROE) | 11.8680% | 1,628 |
| Retained earnings to average equity (ytd only) | 8.1171% | 1,342 |
| Net charge-offs to loans | -0.0037% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8950% | 4,142 |
| Assets per employee ($millions) | 6.0606% | 1,502 |
| Cash dividends to net income (ytd only)* | 31.6054% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,264 |
| Loan loss allowance to noncurrent loans | 1,048.4615% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 3,608 |
| Noncurrent loans to loans | 0.1191% | 4,146 |
| Net loans and leases to total assets | 65.8869% | 3,126 |
| Net loans and leases to deposits | 80.4360% | 2,901 |
| Net loans and leases to core deposits | 83.4190% | 3,162 |
| Total domestic deposits to total assets | 81.9122% | 3,537 |
| Equity capital to assets | 12.8891% | 1,645 |
| Core capital (leverage) ratio | 12.8508% | 1,376 |
| Tier 1 risk-based capital ratio | 15.1640% | 2,763 |
| Total risk-based capital ratio | 16.1561% | 2,804 |
| Memoranda: | ||
| Average total assets | $162,974,000 | 3,225 |
| Average earning assets | $153,225,330 | 3,200 |
| Average equity | $20,155,000 | 3,134 |
| Average total loans | $108,617,670 | 3,161 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 1,494 |
| Cost of funding earning assets | 0.9623% | 1,739 |
| Net interest margin | 3.9803% | 1,911 |
| Noninterest income to average assets | 0.2386% | 4,298 |
| Noninterest expense to average assets | 2.2675% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5076% | 1,096 |
| Return on assets (ROA) | 1.5076% | 1,124 |
| Pretax return on assets | 1.7043% | 1,197 |
| Return on Equity (ROE) | 12.4549% | 1,395 |
| Retained earnings to average equity (ytd only) | 8.6148% | 1,445 |
| Net charge-offs to loans | -0.0074% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0898% | 4,206 |
| Assets per employee ($millions) | 5.9227% | 1,610 |
| Cash dividends to net income (ytd only)* | 30.8320% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,160 |
| Loan loss allowance to noncurrent loans | 946.5278% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 3,595 |
| Noncurrent loans to loans | 0.1358% | 4,130 |
| Net loans and leases to total assets | 65.4560% | 3,122 |
| Net loans and leases to deposits | 80.5293% | 2,778 |
| Net loans and leases to core deposits | 83.7912% | 3,040 |
| Total domestic deposits to total assets | 81.2822% | 3,909 |
| Equity capital to assets | 12.5707% | 1,693 |
| Core capital (leverage) ratio | 12.7183% | 1,390 |
| Tier 1 risk-based capital ratio | 15.1728% | 2,806 |
| Total risk-based capital ratio | 16.1846% | 2,834 |
| Memoranda: | ||
| Average total assets | $162,643,500 | 3,266 |
| Average earning assets | $152,550,500 | 3,243 |
| Average equity | $19,687,000 | 3,189 |
| Average total loans | $108,338,000 | 3,190 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 1,703 |
| Cost of funding earning assets | 0.7385% | 1,856 |
| Net interest margin | 4.0034% | 1,976 |
| Noninterest income to average assets | 0.2925% | 4,151 |
| Noninterest expense to average assets | 2.0668% | 4,620 |
| Loan and lease loss provision to assets | 0.1556% | 1,346 |
| Net operating income to assets | 1.4602% | 1,239 |
| Return on assets (ROA) | 1.4606% | 1,228 |
| Pretax return on assets | 1.8154% | 882 |
| Return on Equity (ROE) | 12.5720% | 1,521 |
| Retained earnings to average equity (ytd only) | 7.1725% | 1,592 |
| Net charge-offs to loans | 0.1774% | 1,085 |
| Credit loss provision to net charge-offs | 130.8901% | 2,019 |
| Earnings coverage of net charge-offs (x) | 16.5759% | 2,238 |
| Efficiency ratio | 51.1947% | 4,863 |
| Assets per employee ($millions) | 5.7026% | 1,771 |
| Cash dividends to net income (ytd only)* | 42.9484% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,411 |
| Loan loss allowance to noncurrent loans | 401.4749% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 3,549 |
| Noncurrent loans to loans | 0.3064% | 3,451 |
| Net loans and leases to total assets | 66.0801% | 3,122 |
| Net loans and leases to deposits | 85.6728% | 2,319 |
| Net loans and leases to core deposits | 89.1267% | 2,637 |
| Total domestic deposits to total assets | 77.1308% | 4,614 |
| Equity capital to assets | 11.6535% | 2,136 |
| Core capital (leverage) ratio | 12.2429% | 1,593 |
| Tier 1 risk-based capital ratio | 14.3622% | 3,136 |
| Total risk-based capital ratio | 15.3389% | 3,182 |
| Memoranda: | ||
| Average total assets | $160,682,000 | 3,268 |
| Average earning assets | $150,297,000 | 3,242 |
| Average equity | $18,668,400 | 3,221 |
| Average total loans | $107,666,400 | 3,176 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 1,881 |
| Cost of funding earning assets | 0.6750% | 2,001 |
| Net interest margin | 3.9605% | 2,090 |
| Noninterest income to average assets | 0.2984% | 4,152 |
| Noninterest expense to average assets | 2.0061% | 4,731 |
| Loan and lease loss provision to assets | 0.0418% | 3,157 |
| Net operating income to assets | 1.6309% | 892 |
| Return on assets (ROA) | 1.6316% | 897 |
| Pretax return on assets | 1.9593% | 701 |
| Return on Equity (ROE) | 14.0548% | 1,102 |
| Retained earnings to average equity (ytd only) | 9.9723% | 935 |
| Net charge-offs to loans | -0.0100% | 4,399 |
| Credit loss provision to net charge-offs | -625.0000% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0730% | 4,939 |
| Assets per employee ($millions) | 6.0938% | 1,424 |
| Cash dividends to net income (ytd only)* | 29.0471% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,578 |
| Loan loss allowance to noncurrent loans | 132.2957% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 2,308 |
| Noncurrent loans to loans | 0.9138% | 1,872 |
| Net loans and leases to total assets | 67.5463% | 3,005 |
| Net loans and leases to deposits | 86.7349% | 2,290 |
| Net loans and leases to core deposits | 89.8141% | 2,677 |
| Total domestic deposits to total assets | 77.8768% | 4,498 |
| Equity capital to assets | 11.5223% | 2,246 |
| Core capital (leverage) ratio | 12.3810% | 1,566 |
| Tier 1 risk-based capital ratio | 14.2744% | 3,229 |
| Total risk-based capital ratio | 15.2421% | 3,282 |
| Memoranda: | ||
| Average total assets | $159,508,750 | 3,313 |
| Average earning assets | $149,336,500 | 3,277 |
| Average equity | $18,517,500 | 3,258 |
| Average total loans | $106,922,750 | 3,213 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 2,144 |
| Cost of funding earning assets | 0.6377% | 2,001 |
| Net interest margin | 3.8463% | 2,399 |
| Noninterest income to average assets | 0.2851% | 4,274 |
| Noninterest expense to average assets | 2.0857% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5104% | 1,135 |
| Return on assets (ROA) | 1.5168% | 1,113 |
| Pretax return on assets | 1.7994% | 965 |
| Return on Equity (ROE) | 13.0316% | 1,360 |
| Retained earnings to average equity (ytd only) | 8.9164% | 1,245 |
| Net charge-offs to loans | -0.0133% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7908% | 4,714 |
| Assets per employee ($millions) | 5.6876% | 1,728 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,572 |
| Loan loss allowance to noncurrent loans | 242.4074% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 3,393 |
| Noncurrent loans to loans | 0.5057% | 2,904 |
| Net loans and leases to total assets | 66.2277% | 3,110 |
| Net loans and leases to deposits | 80.9631% | 2,860 |
| Net loans and leases to core deposits | 83.6166% | 3,113 |
| Total domestic deposits to total assets | 81.7999% | 3,783 |
| Equity capital to assets | 11.6771% | 2,075 |
| Core capital (leverage) ratio | 12.7026% | 1,347 |
| Tier 1 risk-based capital ratio | 14.6161% | 3,061 |
| Total risk-based capital ratio | 15.5975% | 3,103 |
| Memoranda: | ||
| Average total assets | $157,834,000 | 3,347 |
| Average earning assets | $147,414,670 | 3,329 |
| Average equity | $18,370,670 | 3,291 |
| Average total loans | $105,065,000 | 3,246 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 2,220 |
| Cost of funding earning assets | 0.6464% | 1,736 |
| Net interest margin | 3.7470% | 2,626 |
| Noninterest income to average assets | 0.2673% | 4,391 |
| Noninterest expense to average assets | 2.2123% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3309% | 1,539 |
| Return on assets (ROA) | 1.3442% | 1,511 |
| Pretax return on assets | 1.5529% | 1,519 |
| Return on Equity (ROE) | 11.5675% | 1,736 |
| Retained earnings to average equity (ytd only) | 7.4269% | 2,088 |
| Net charge-offs to loans | -0.0077% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9952% | 4,219 |
| Assets per employee ($millions) | 5.8289% | 1,659 |
| Cash dividends to net income (ytd only)* | 35.7955% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,105 |
| Loan loss allowance to noncurrent loans | 241.4815% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,415 |
| Noncurrent loans to loans | 0.5505% | 2,874 |
| Net loans and leases to total assets | 63.8626% | 3,328 |
| Net loans and leases to deposits | 73.6069% | 3,455 |
| Net loans and leases to core deposits | 76.6092% | 3,613 |
| Total domestic deposits to total assets | 86.7616% | 2,217 |
| Equity capital to assets | 11.9998% | 1,788 |
| Core capital (leverage) ratio | 12.3639% | 1,450 |
| Tier 1 risk-based capital ratio | 14.9013% | 2,919 |
| Total risk-based capital ratio | 15.9232% | 2,951 |
| Memoranda: | ||
| Average total assets | $157,125,000 | 3,391 |
| Average earning assets | $146,038,000 | 3,381 |
| Average equity | $18,258,000 | 3,330 |
| Average total loans | $104,208,500 | 3,283 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 1,939 |
| Cost of funding earning assets | 0.5927% | 1,653 |
| Net interest margin | 3.8376% | 2,292 |
| Noninterest income to average assets | 0.3044% | 4,281 |
| Noninterest expense to average assets | 2.0143% | 4,935 |
| Loan and lease loss provision to assets | 0.0951% | 2,302 |
| Net operating income to assets | 1.1868% | 1,558 |
| Return on assets (ROA) | 1.1784% | 1,606 |
| Pretax return on assets | 1.7834% | 824 |
| Return on Equity (ROE) | 10.3315% | 1,758 |
| Retained earnings to average equity (ytd only) | 5.7774% | 1,670 |
| Net charge-offs to loans | 0.1611% | 1,515 |
| Credit loss provision to net charge-offs | 87.2093% | 2,833 |
| Earnings coverage of net charge-offs (x) | 17.3372% | 2,136 |
| Efficiency ratio | 51.5752% | 5,131 |
| Assets per employee ($millions) | 6.0259% | 1,503 |
| Cash dividends to net income (ytd only)* | 44.0797% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,899 |
| 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 | 67.0113% | 2,965 |
| Net loans and leases to deposits | 87.5380% | 2,073 |
| Net loans and leases to core deposits | 90.1615% | 2,555 |
| Total domestic deposits to total assets | 76.5510% | 4,915 |
| Equity capital to assets | 11.2663% | 2,390 |
| Core capital (leverage) ratio | 11.5858% | 1,878 |
| Tier 1 risk-based capital ratio | 13.5771% | 3,582 |
| Total risk-based capital ratio | 14.5236% | 3,675 |
| Memoranda: | ||
| Average total assets | $157,672,200 | 3,385 |
| Average earning assets | $147,956,200 | 3,351 |
| Average equity | $17,983,800 | 3,364 |
| Average total loans | $106,762,600 | 3,232 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 2,022 |
| Cost of funding earning assets | 0.5703% | 1,739 |
| Net interest margin | 3.8080% | 2,366 |
| Noninterest income to average assets | 0.3018% | 4,370 |
| Noninterest expense to average assets | 2.0032% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3858% | 1,123 |
| Return on assets (ROA) | 1.3852% | 1,140 |
| Pretax return on assets | 1.8779% | 728 |
| Return on Equity (ROE) | 12.1058% | 1,315 |
| Retained earnings to average equity (ytd only) | 8.3512% | 1,073 |
| Net charge-offs to loans | 0.0290% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 95.8132% | 708 |
| Efficiency ratio | 51.6030% | 5,132 |
| Assets per employee ($millions) | 6.0144% | 1,483 |
| Cash dividends to net income (ytd only)* | 31.0153% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,088 |
| 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 | 67.6678% | 2,891 |
| Net loans and leases to deposits | 87.8778% | 2,080 |
| Net loans and leases to core deposits | 90.4969% | 2,563 |
| Total domestic deposits to total assets | 77.0021% | 4,896 |
| Equity capital to assets | 11.4823% | 2,397 |
| Core capital (leverage) ratio | 11.7231% | 1,870 |
| Tier 1 risk-based capital ratio | 13.6744% | 3,600 |
| Total risk-based capital ratio | 14.6228% | 3,696 |
| Memoranda: | ||
| Average total assets | $156,415,750 | 3,424 |
| Average earning assets | $147,054,750 | 3,386 |
| Average equity | $17,897,250 | 3,414 |
| Average total loans | $105,871,250 | 3,274 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,220 |
| Cost of funding earning assets | 0.5415% | 1,831 |
| Net interest margin | 3.7313% | 2,540 |
| Noninterest income to average assets | 0.2927% | 4,456 |
| Noninterest expense to average assets | 2.1344% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2611% | 1,404 |
| Return on assets (ROA) | 1.2602% | 1,434 |
| Pretax return on assets | 1.6642% | 1,146 |
| Return on Equity (ROE) | 11.0270% | 1,630 |
| Retained earnings to average equity (ytd only) | 7.4571% | 1,369 |
| Net charge-offs to loans | 0.0307% | 2,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 80.3750% | 766 |
| Efficiency ratio | 56.1691% | 4,810 |
| Assets per employee ($millions) | 5.8739% | 1,554 |
| Cash dividends to net income (ytd only)* | 32.3741% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 3,060 |
| 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 | 68.2886% | 2,771 |
| Net loans and leases to deposits | 84.9635% | 2,358 |
| Net loans and leases to core deposits | 87.4519% | 2,749 |
| Total domestic deposits to total assets | 80.3740% | 4,327 |
| Equity capital to assets | 11.4833% | 2,331 |
| Core capital (leverage) ratio | 11.7097% | 1,823 |
| Tier 1 risk-based capital ratio | 13.5681% | 3,663 |
| Total risk-based capital ratio | 14.5382% | 3,730 |
| Memoranda: | ||
| Average total assets | $154,424,670 | 3,464 |
| Average earning assets | $145,150,670 | 3,429 |
| Average equity | $17,647,670 | 3,452 |
| Average total loans | $104,099,670 | 3,313 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 2,527 |
| Cost of funding earning assets | 0.5203% | 1,933 |
| Net interest margin | 3.6169% | 2,827 |
| Noninterest income to average assets | 0.2783% | 4,558 |
| Noninterest expense to average assets | 2.2896% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1291% | 1,754 |
| Return on assets (ROA) | 1.1291% | 1,791 |
| Pretax return on assets | 1.3838% | 1,938 |
| Return on Equity (ROE) | 9.9047% | 2,004 |
| Retained earnings to average equity (ytd only) | 7.0024% | 1,846 |
| Net charge-offs to loans | 0.0592% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 35.1333% | 1,126 |
| Efficiency ratio | 62.3302% | 4,102 |
| Assets per employee ($millions) | 5.6166% | 1,793 |
| Cash dividends to net income (ytd only)* | 29.3023% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,490 |
| 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 | 65.0313% | 3,114 |
| Net loans and leases to deposits | 79.7010% | 2,787 |
| Net loans and leases to core deposits | 82.0681% | 3,086 |
| Total domestic deposits to total assets | 81.5941% | 4,279 |
| Equity capital to assets | 11.5855% | 2,123 |
| Core capital (leverage) ratio | 12.0826% | 1,573 |
| Tier 1 risk-based capital ratio | 14.1769% | 3,373 |
| Total risk-based capital ratio | 15.2113% | 3,416 |
| Memoranda: | ||
| Average total assets | $152,339,000 | 3,523 |
| Average earning assets | $142,993,500 | 3,484 |
| Average equity | $17,365,500 | 3,501 |
| Average total loans | $101,344,000 | 3,392 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,129 |
| Cost of funding earning assets | 0.6059% | 1,296 |
| Net interest margin | 3.6974% | 2,703 |
| Noninterest income to average assets | 0.3060% | 4,552 |
| Noninterest expense to average assets | 2.0081% | 5,169 |
| Loan and lease loss provision to assets | 0.0323% | 3,705 |
| Net operating income to assets | 1.1880% | 1,548 |
| Return on assets (ROA) | 1.1942% | 1,618 |
| Pretax return on assets | 1.7208% | 948 |
| Return on Equity (ROE) | 10.6881% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.9462% | 1,737 |
| Net charge-offs to loans | 0.0047% | 4,083 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 539.2000% | 156 |
| Efficiency ratio | 53.5172% | 5,282 |
| Assets per employee ($millions) | 5.6678% | 1,726 |
| Cash dividends to net income (ytd only)* | 44.3662% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,607 |
| Loan loss allowance to noncurrent loans | 132,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,452 |
| Noncurrent loans to loans | 0.0010% | 5,323 |
| Net loans and leases to total assets | 66.2853% | 3,033 |
| Net loans and leases to deposits | 83.8891% | 2,433 |
| Net loans and leases to core deposits | 86.0299% | 2,847 |
| Total domestic deposits to total assets | 79.0154% | 4,792 |
| Equity capital to assets | 11.2147% | 2,405 |
| Core capital (leverage) ratio | 11.6880% | 1,801 |
| Tier 1 risk-based capital ratio | 13.7864% | 3,590 |
| Total risk-based capital ratio | 14.8214% | 3,629 |
| Memoranda: | ||
| Average total assets | $154,575,200 | 3,450 |
| Average earning assets | $144,072,800 | 3,444 |
| Average equity | $17,271,600 | 3,520 |
| Average total loans | $105,402,200 | 3,283 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,060 |
| Cost of funding earning assets | 0.6283% | 1,151 |
| Net interest margin | 3.7058% | 2,698 |
| Noninterest income to average assets | 0.2986% | 4,627 |
| Noninterest expense to average assets | 1.9351% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3283% | 1,216 |
| Return on assets (ROA) | 1.3371% | 1,276 |
| Pretax return on assets | 1.8267% | 848 |
| Return on Equity (ROE) | 11.9773% | 1,330 |
| Retained earnings to average equity (ytd only) | 8.0928% | 1,138 |
| Net charge-offs to loans | 0.0063% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 421.5787% | 212 |
| Efficiency ratio | 51.6062% | 5,407 |
| Assets per employee ($millions) | 6.0370% | 1,407 |
| Cash dividends to net income (ytd only)* | 32.4322% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 3,331 |
| Loan loss allowance to noncurrent loans | 42,466.6667% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,543 |
| Noncurrent loans to loans | 0.0028% | 5,413 |
| Net loans and leases to total assets | 67.6204% | 2,849 |
| Net loans and leases to deposits | 86.5043% | 2,209 |
| Net loans and leases to core deposits | 89.1235% | 2,658 |
| Total domestic deposits to total assets | 78.1700% | 4,884 |
| Equity capital to assets | 11.3906% | 2,610 |
| Core capital (leverage) ratio | 11.4927% | 2,040 |
| Tier 1 risk-based capital ratio | 13.5109% | 3,854 |
| Total risk-based capital ratio | 14.4856% | 3,924 |
| Memoranda: | ||
| Average total assets | $154,961,250 | 3,467 |
| Average earning assets | $144,309,500 | 3,458 |
| Average equity | $17,299,000 | 3,543 |
| Average total loans | $106,062,500 | 3,286 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 1,996 |
| Cost of funding earning assets | 0.6648% | 963 |
| Net interest margin | 3.6812% | 2,780 |
| Noninterest income to average assets | 0.2787% | 4,788 |
| Noninterest expense to average assets | 2.0273% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2554% | 1,404 |
| Return on assets (ROA) | 1.2690% | 1,474 |
| Pretax return on assets | 1.7006% | 1,089 |
| Return on Equity (ROE) | 11.4465% | 1,496 |
| Retained earnings to average equity (ytd only) | 7.7635% | 1,264 |
| Net charge-offs to loans | -0.0019% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6471% | 5,259 |
| Assets per employee ($millions) | 6.2868% | 1,201 |
| Cash dividends to net income (ytd only)* | 32.1757% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,119 |
| Loan loss allowance to noncurrent loans | 32,000.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,630 |
| Noncurrent loans to loans | 0.0039% | 5,501 |
| Net loans and leases to total assets | 67.4253% | 2,878 |
| Net loans and leases to deposits | 82.5589% | 2,643 |
| Net loans and leases to core deposits | 85.2593% | 2,965 |
| Total domestic deposits to total assets | 81.6694% | 4,099 |
| Equity capital to assets | 11.6175% | 2,427 |
| Core capital (leverage) ratio | 11.6098% | 1,901 |
| Tier 1 risk-based capital ratio | 13.6537% | 3,797 |
| Total risk-based capital ratio | 14.6655% | 3,870 |
| Memoranda: | ||
| Average total assets | $154,294,000 | 3,493 |
| Average earning assets | $143,811,670 | 3,483 |
| Average equity | $17,105,670 | 3,576 |
| Average total loans | $105,612,330 | 3,313 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,505 |
| Cost of funding earning assets | 0.7953% | 500 |
| Net interest margin | 3.7042% | 2,652 |
| Noninterest income to average assets | 0.2744% | 4,763 |
| Noninterest expense to average assets | 2.1821% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2415% | 1,426 |
| Return on assets (ROA) | 1.2539% | 1,492 |
| Pretax return on assets | 1.5590% | 1,408 |
| Return on Equity (ROE) | 11.5781% | 1,432 |
| Retained earnings to average equity (ytd only) | 8.5948% | 1,228 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5685% | 4,935 |
| Assets per employee ($millions) | 5.6523% | 1,706 |
| Cash dividends to net income (ytd only)* | 25.7669% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,916 |
| Loan loss allowance to noncurrent loans | 25,580.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,672 |
| Noncurrent loans to loans | 0.0051% | 5,507 |
| Net loans and leases to total assets | 66.2148% | 2,919 |
| Net loans and leases to deposits | 81.5641% | 2,598 |
| Net loans and leases to core deposits | 84.1018% | 2,932 |
| Total domestic deposits to total assets | 81.1814% | 4,433 |
| Equity capital to assets | 11.6568% | 2,281 |
| Core capital (leverage) ratio | 10.6136% | 2,835 |
| Tier 1 risk-based capital ratio | 13.7854% | 3,823 |
| Total risk-based capital ratio | 14.8242% | 3,869 |
| Memoranda: | ||
| Average total assets | $155,999,000 | 3,493 |
| Average earning assets | $145,348,000 | 3,486 |
| Average equity | $16,894,000 | 3,608 |
| Average total loans | $106,911,500 | 3,297 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,506 |
| Cost of funding earning assets | 0.6880% | 875 |
| Net interest margin | 3.5285% | 3,418 |
| Noninterest income to average assets | 0.2438% | 5,137 |
| Noninterest expense to average assets | 1.7759% | 5,771 |
| Loan and lease loss provision to assets | 0.0605% | 3,092 |
| Net operating income to assets | 1.1792% | 1,625 |
| Return on assets (ROA) | 1.1771% | 1,714 |
| Pretax return on assets | 1.7082% | 974 |
| Return on Equity (ROE) | 11.9798% | 1,305 |
| Retained earnings to average equity (ytd only) | 6.9379% | 1,310 |
| Net charge-offs to loans | -0.0088% | 5,081 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0597% | 5,758 |
| Assets per employee ($millions) | 6.3476% | 1,168 |
| Cash dividends to net income (ytd only)* | 42.0863% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,991 |
| Loan loss allowance to noncurrent loans | 21,316.6667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 4,124 |
| Noncurrent loans to loans | 0.0052% | 5,533 |
| Net loans and leases to total assets | 69.0482% | 2,537 |
| Net loans and leases to deposits | 96.1240% | 994 |
| Net loans and leases to core deposits | 98.9176% | 1,597 |
| Total domestic deposits to total assets | 71.8324% | 5,807 |
| Equity capital to assets | 10.0929% | 3,867 |
| Core capital (leverage) ratio | 10.0631% | 3,418 |
| Tier 1 risk-based capital ratio | 11.7763% | 5,091 |
| Total risk-based capital ratio | 12.6831% | 5,194 |
| Memoranda: | ||
| Average total assets | $165,324,800 | 3,372 |
| Average earning assets | $154,797,800 | 3,331 |
| Average equity | $16,244,000 | 3,640 |
| Average total loans | $113,967,000 | 3,139 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1984% | 2,579 |
| Cost of funding earning assets | 0.6910% | 879 |
| Net interest margin | 3.5074% | 3,506 |
| Noninterest income to average assets | 0.2870% | 4,895 |
| Noninterest expense to average assets | 1.6792% | 5,920 |
| Loan and lease loss provision to assets | 0.0403% | 3,407 |
| Net operating income to assets | 1.3638% | 1,197 |
| Return on assets (ROA) | 1.3632% | 1,248 |
| Pretax return on assets | 1.8525% | 802 |
| Return on Equity (ROE) | 13.9684% | 916 |
| Retained earnings to average equity (ytd only) | 9.8052% | 668 |
| Net charge-offs to loans | -0.0106% | 5,003 |
| Credit loss provision to net charge-offs | -555.5556% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9991% | 5,924 |
| Assets per employee ($millions) | 6.3770% | 1,134 |
| Cash dividends to net income (ytd only)* | 29.8047% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,719 |
| Loan loss allowance to noncurrent loans | 15,350.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 4,198 |
| Noncurrent loans to loans | 0.0065% | 5,626 |
| Net loans and leases to total assets | 70.2544% | 2,352 |
| Net loans and leases to deposits | 101.8464% | 555 |
| Net loans and leases to core deposits | 105.2126% | 1,155 |
| Total domestic deposits to total assets | 68.9807% | 6,008 |
| Equity capital to assets | 9.7218% | 4,491 |
| Core capital (leverage) ratio | 9.8014% | 3,900 |
| Tier 1 risk-based capital ratio | 11.3557% | 5,456 |
| Total risk-based capital ratio | 12.1923% | 5,598 |
| Memoranda: | ||
| Average total assets | $165,396,750 | 3,402 |
| Average earning assets | $154,945,500 | 3,356 |
| Average equity | $16,140,750 | 3,688 |
| Average total loans | $113,650,250 | 3,168 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,993 |
| Cost of funding earning assets | 0.6731% | 974 |
| Net interest margin | 3.4022% | 3,901 |
| Noninterest income to average assets | 0.2918% | 4,877 |
| Noninterest expense to average assets | 1.7568% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2956% | 1,332 |
| Return on assets (ROA) | 1.2946% | 1,399 |
| Pretax return on assets | 1.7127% | 1,059 |
| Return on Equity (ROE) | 13.2486% | 1,065 |
| Retained earnings to average equity (ytd only) | 9.2966% | 830 |
| Net charge-offs to loans | -0.0144% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6182% | 5,821 |
| Assets per employee ($millions) | 6.6742% | 972 |
| Cash dividends to net income (ytd only)* | 29.8295% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 4,780 |
| Loan loss allowance to noncurrent loans | 437.5465% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 3,732 |
| Noncurrent loans to loans | 0.2326% | 4,837 |
| Net loans and leases to total assets | 68.6184% | 2,551 |
| Net loans and leases to deposits | 93.0240% | 1,252 |
| Net loans and leases to core deposits | 96.1908% | 1,780 |
| Total domestic deposits to total assets | 73.7642% | 5,812 |
| Equity capital to assets | 9.7174% | 4,382 |
| Core capital (leverage) ratio | 9.9876% | 3,624 |
| Tier 1 risk-based capital ratio | 11.4178% | 5,518 |
| Total risk-based capital ratio | 12.2461% | 5,630 |
| Memoranda: | ||
| Average total assets | $163,135,670 | 3,449 |
| Average earning assets | $152,429,330 | 3,410 |
| Average equity | $15,941,330 | 3,735 |
| Average total loans | $110,803,000 | 3,236 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,109 |
| Cost of funding earning assets | 0.6504% | 1,113 |
| Net interest margin | 3.3826% | 3,907 |
| Noninterest income to average assets | 0.2827% | 4,919 |
| Noninterest expense to average assets | 1.8899% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2624% | 1,374 |
| Return on assets (ROA) | 1.2624% | 1,460 |
| Pretax return on assets | 1.5402% | 1,423 |
| Return on Equity (ROE) | 12.8820% | 1,122 |
| Retained earnings to average equity (ytd only) | 9.6931% | 993 |
| Net charge-offs to loans | -0.0295% | 5,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0976% | 5,589 |
| Assets per employee ($millions) | 5.8831% | 1,482 |
| Cash dividends to net income (ytd only)* | 24.7544% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 4,349 |
| Loan loss allowance to noncurrent loans | 463.3858% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 3,737 |
| Noncurrent loans to loans | 0.2448% | 4,902 |
| Net loans and leases to total assets | 64.5825% | 3,010 |
| Net loans and leases to deposits | 81.0892% | 2,439 |
| Net loans and leases to core deposits | 83.7703% | 2,798 |
| Total domestic deposits to total assets | 79.6437% | 5,134 |
| Equity capital to assets | 10.0866% | 4,038 |
| Core capital (leverage) ratio | 10.0929% | 3,486 |
| Tier 1 risk-based capital ratio | 12.8513% | 4,695 |
| Total risk-based capital ratio | 13.8047% | 4,786 |
| Memoranda: | ||
| Average total assets | $161,275,500 | 3,491 |
| Average earning assets | $150,060,000 | 3,467 |
| Average equity | $15,805,000 | 3,776 |
| Average total loans | $108,369,000 | 3,294 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,815 |
| Cost of funding earning assets | 0.7391% | 903 |
| Net interest margin | 3.5019% | 3,782 |
| Noninterest income to average assets | 0.2512% | 5,328 |
| Noninterest expense to average assets | 1.8054% | 6,059 |
| Loan and lease loss provision to assets | 0.0636% | 3,245 |
| Net operating income to assets | 1.1630% | 1,703 |
| Return on assets (ROA) | 1.1644% | 1,774 |
| Pretax return on assets | 1.6381% | 1,128 |
| Return on Equity (ROE) | 12.2310% | 1,346 |
| Retained earnings to average equity (ytd only) | 6.7601% | 1,514 |
| Net charge-offs to loans | 0.0019% | 4,935 |
| Credit loss provision to net charge-offs | 5,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,336.5000% | 29 |
| Efficiency ratio | 51.5058% | 6,017 |
| Assets per employee ($millions) | 6.2964% | 1,186 |
| Cash dividends to net income (ytd only)* | 44.7297% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 4,879 |
| Loan loss allowance to noncurrent loans | 458.4314% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 3,912 |
| Noncurrent loans to loans | 0.2257% | 5,016 |
| Net loans and leases to total assets | 68.2968% | 2,514 |
| Net loans and leases to deposits | 92.5416% | 1,235 |
| Net loans and leases to core deposits | 95.5395% | 1,763 |
| Total domestic deposits to total assets | 73.8012% | 5,960 |
| Equity capital to assets | 9.5219% | 4,699 |
| Core capital (leverage) ratio | 9.7818% | 3,857 |
| Tier 1 risk-based capital ratio | 11.6825% | 5,556 |
| Total risk-based capital ratio | 12.5646% | 5,683 |
| Memoranda: | ||
| Average total assets | $157,250,800 | 3,532 |
| Average earning assets | $146,120,200 | 3,507 |
| Average equity | $14,970,200 | 3,845 |
| Average total loans | $106,613,200 | 3,293 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,906 |
| Cost of funding earning assets | 0.7585% | 859 |
| Net interest margin | 3.4668% | 3,955 |
| Noninterest income to average assets | 0.2613% | 5,343 |
| Noninterest expense to average assets | 1.7142% | 6,198 |
| Loan and lease loss provision to assets | 0.0428% | 3,543 |
| Net operating income to assets | 1.2844% | 1,416 |
| Return on assets (ROA) | 1.2876% | 1,460 |
| Pretax return on assets | 1.7348% | 1,005 |
| Return on Equity (ROE) | 13.5258% | 1,087 |
| Retained earnings to average equity (ytd only) | 8.9902% | 1,010 |
| Net charge-offs to loans | 0.0025% | 4,624 |
| Credit loss provision to net charge-offs | 2,500.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 1,033.6816% | 66 |
| Efficiency ratio | 49.1525% | 6,140 |
| Assets per employee ($millions) | 6.4984% | 1,023 |
| Cash dividends to net income (ytd only)* | 33.5328% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 5,286 |
| Loan loss allowance to noncurrent loans | 120.7120% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 4,140 |
| Noncurrent loans to loans | 0.8135% | 3,546 |
| Net loans and leases to total assets | 69.4551% | 2,276 |
| Net loans and leases to deposits | 92.6092% | 1,169 |
| Net loans and leases to core deposits | 95.7853% | 1,688 |
| Total domestic deposits to total assets | 74.9980% | 5,925 |
| Equity capital to assets | 9.5126% | 4,781 |
| Core capital (leverage) ratio | 9.8020% | 3,937 |
| Tier 1 risk-based capital ratio | 11.6872% | 5,675 |
| Total risk-based capital ratio | 12.5326% | 5,828 |
| Memoranda: | ||
| Average total assets | $155,637,000 | 3,583 |
| Average earning assets | $144,838,000 | 3,561 |
| Average equity | $14,815,750 | 3,889 |
| Average total loans | $105,022,750 | 3,354 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 2,991 |
| Cost of funding earning assets | 0.7314% | 1,016 |
| Net interest margin | 3.4574% | 3,953 |
| Noninterest income to average assets | 0.2882% | 5,119 |
| Noninterest expense to average assets | 1.8492% | 6,076 |
| Loan and lease loss provision to assets | 0.0652% | 2,963 |
| Net operating income to assets | 1.2075% | 1,561 |
| Return on assets (ROA) | 1.2115% | 1,617 |
| Pretax return on assets | 1.5845% | 1,293 |
| Return on Equity (ROE) | 12.7234% | 1,249 |
| Retained earnings to average equity (ytd only) | 8.4092% | 1,171 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9302% | 6,001 |
| Assets per employee ($millions) | 6.4706% | 1,027 |
| Cash dividends to net income (ytd only)* | 33.9074% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,109 |
| Loan loss allowance to noncurrent loans | 120.9277% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 4,132 |
| Noncurrent loans to loans | 0.8694% | 3,532 |
| Net loans and leases to total assets | 67.9391% | 2,419 |
| Net loans and leases to deposits | 87.7141% | 1,627 |
| Net loans and leases to core deposits | 90.9566% | 2,033 |
| Total domestic deposits to total assets | 77.4552% | 5,727 |
| Equity capital to assets | 9.7305% | 4,454 |
| Core capital (leverage) ratio | 9.9129% | 3,725 |
| Tier 1 risk-based capital ratio | 12.0866% | 5,488 |
| Total risk-based capital ratio | 12.9849% | 5,619 |
| Memoranda: | ||
| Average total assets | $153,363,000 | 3,629 |
| Average earning assets | $142,187,000 | 3,614 |
| Average equity | $14,603,000 | 3,929 |
| Average total loans | $102,045,330 | 3,417 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 3,073 |
| Cost of funding earning assets | 0.7007% | 1,244 |
| Net interest margin | 3.4491% | 3,906 |
| Noninterest income to average assets | 0.2730% | 5,190 |
| Noninterest expense to average assets | 1.9003% | 6,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2467% | 1,357 |
| Return on assets (ROA) | 1.2467% | 1,414 |
| Pretax return on assets | 1.5512% | 1,286 |
| Return on Equity (ROE) | 13.2413% | 1,100 |
| Retained earnings to average equity (ytd only) | 9.7289% | 1,040 |
| Net charge-offs to loans | -0.0040% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0570% | 5,917 |
| Assets per employee ($millions) | 6.0457% | 1,271 |
| Cash dividends to net income (ytd only)* | 26.5263% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,022 |
| Loan loss allowance to noncurrent loans | 107.9557% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 4,095 |
| Noncurrent loans to loans | 1.0387% | 3,346 |
| Net loans and leases to total assets | 62.5434% | 3,147 |
| Net loans and leases to deposits | 77.4957% | 2,629 |
| Net loans and leases to core deposits | 80.5162% | 2,905 |
| Total domestic deposits to total assets | 80.7057% | 5,312 |
| Equity capital to assets | 9.6524% | 4,289 |
| Core capital (leverage) ratio | 9.9095% | 3,699 |
| Tier 1 risk-based capital ratio | 12.8902% | 5,069 |
| Total risk-based capital ratio | 13.8226% | 5,210 |
| Memoranda: | ||
| Average total assets | $152,397,000 | 3,671 |
| Average earning assets | $140,441,000 | 3,660 |
| Average equity | $14,349,000 | 3,982 |
| Average total loans | $99,754,500 | 3,481 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,965 |
| Cost of funding earning assets | 0.7452% | 1,527 |
| Net interest margin | 3.2894% | 4,703 |
| Noninterest income to average assets | 0.3304% | 4,973 |
| Noninterest expense to average assets | 1.8679% | 6,229 |
| Loan and lease loss provision to assets | 0.0334% | 4,451 |
| Net operating income to assets | 1.0616% | 2,073 |
| Return on assets (ROA) | 1.0834% | 2,063 |
| Pretax return on assets | 1.5242% | 1,367 |
| Return on Equity (ROE) | 11.4687% | 1,607 |
| Retained earnings to average equity (ytd only) | 5.6706% | 2,173 |
| Net charge-offs to loans | 0.0042% | 5,397 |
| Credit loss provision to net charge-offs | 1,250.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 570.7500% | 64 |
| Efficiency ratio | 55.0236% | 6,049 |
| Assets per employee ($millions) | 6.1460% | 1,175 |
| Cash dividends to net income (ytd only)* | 50.5556% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 5,414 |
| Loan loss allowance to noncurrent loans | 107.5301% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 4,249 |
| Noncurrent loans to loans | 0.9585% | 3,597 |
| Net loans and leases to total assets | 66.9283% | 2,535 |
| Net loans and leases to deposits | 89.0093% | 1,348 |
| Net loans and leases to core deposits | 92.2271% | 1,775 |
| Total domestic deposits to total assets | 75.1925% | 6,172 |
| Equity capital to assets | 9.1825% | 4,826 |
| Core capital (leverage) ratio | 9.7211% | 3,959 |
| Tier 1 risk-based capital ratio | 11.6399% | 5,829 |
| Total risk-based capital ratio | 12.5014% | 5,991 |
| Memoranda: | ||
| Average total assets | $149,522,400 | 3,712 |
| Average earning assets | $139,295,400 | 3,677 |
| Average equity | $14,125,400 | 4,042 |
| Average total loans | $95,061,200 | 3,576 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 4,119 |
| Cost of funding earning assets | 0.7584% | 1,546 |
| Net interest margin | 3.2456% | 4,845 |
| Noninterest income to average assets | 0.3214% | 5,117 |
| Noninterest expense to average assets | 1.7877% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1760% | 1,717 |
| Return on assets (ROA) | 1.1996% | 1,710 |
| Pretax return on assets | 1.5893% | 1,359 |
| Return on Equity (ROE) | 12.6069% | 1,334 |
| Retained earnings to average equity (ytd only) | 7.8510% | 1,482 |
| Net charge-offs to loans | 0.0014% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,739.3083% | 11 |
| Efficiency ratio | 53.4353% | 6,150 |
| Assets per employee ($millions) | 6.2345% | 1,090 |
| Cash dividends to net income (ytd only)* | 37.7243% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 5,786 |
| Loan loss allowance to noncurrent loans | 1,575.3846% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 6,271 |
| Noncurrent loans to loans | 0.0626% | 6,152 |
| Net loans and leases to total assets | 66.0009% | 2,637 |
| Net loans and leases to deposits | 89.2970% | 1,244 |
| Net loans and leases to core deposits | 92.5282% | 1,718 |
| Total domestic deposits to total assets | 73.9117% | 6,378 |
| Equity capital to assets | 9.0881% | 5,072 |
| Core capital (leverage) ratio | 9.6314% | 4,200 |
| Tier 1 risk-based capital ratio | 12.1840% | 5,660 |
| Total risk-based capital ratio | 13.0443% | 5,860 |
| Memoranda: | ||
| Average total assets | $148,490,250 | 3,768 |
| Average earning assets | $138,357,750 | 3,728 |
| Average equity | $14,129,500 | 4,089 |
| Average total loans | $92,849,750 | 3,648 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 4,322 |
| Cost of funding earning assets | 0.7484% | 1,720 |
| Net interest margin | 3.1912% | 4,978 |
| Noninterest income to average assets | 0.3054% | 5,264 |
| Noninterest expense to average assets | 1.8900% | 6,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0732% | 2,021 |
| Return on assets (ROA) | 1.0806% | 2,107 |
| Pretax return on assets | 1.4093% | 1,898 |
| Return on Equity (ROE) | 11.1775% | 1,757 |
| Retained earnings to average equity (ytd only) | 6.7150% | 2,032 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4521% | 5,803 |
| Assets per employee ($millions) | 5.9302% | 1,253 |
| Cash dividends to net income (ytd only)* | 39.9240% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 5,487 |
| Loan loss allowance to noncurrent loans | 1,529.8507% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 6,309 |
| Noncurrent loans to loans | 0.0712% | 6,182 |
| Net loans and leases to total assets | 62.8109% | 3,137 |
| Net loans and leases to deposits | 78.5851% | 2,508 |
| Net loans and leases to core deposits | 82.2406% | 2,776 |
| Total domestic deposits to total assets | 79.9273% | 5,617 |
| Equity capital to assets | 9.4276% | 4,677 |
| Core capital (leverage) ratio | 9.5495% | 4,163 |
| Tier 1 risk-based capital ratio | 12.9358% | 5,190 |
| Total risk-based capital ratio | 13.8731% | 5,353 |
| Memoranda: | ||
| Average total assets | $146,032,670 | 3,840 |
| Average earning assets | $136,563,000 | 3,784 |
| Average equity | $14,117,670 | 4,126 |
| Average total loans | $89,168,000 | 3,745 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 4,530 |
| Cost of funding earning assets | 0.7415% | 1,910 |
| Net interest margin | 3.1442% | 5,117 |
| Noninterest income to average assets | 0.3119% | 5,195 |
| Noninterest expense to average assets | 1.9790% | 6,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0587% | 2,000 |
| Return on assets (ROA) | 1.0378% | 2,191 |
| Pretax return on assets | 1.2338% | 2,451 |
| Return on Equity (ROE) | 10.6005% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.0482% | 2,130 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1253% | 5,430 |
| Assets per employee ($millions) | 5.8691% | 1,357 |
| Cash dividends to net income (ytd only)* | 33.5106% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 5,016 |
| Loan loss allowance to noncurrent loans | 1,090.4255% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 6,344 |
| Noncurrent loans to loans | 0.1134% | 6,136 |
| Net loans and leases to total assets | 55.7757% | 4,122 |
| Net loans and leases to deposits | 68.1671% | 3,757 |
| Net loans and leases to core deposits | 71.3303% | 3,909 |
| Total domestic deposits to total assets | 81.8220% | 5,260 |
| Equity capital to assets | 9.7221% | 4,531 |
| Core capital (leverage) ratio | 9.5831% | 3,951 |
| Tier 1 risk-based capital ratio | 13.9518% | 4,542 |
| Total risk-based capital ratio | 14.9792% | 4,667 |
| Memoranda: | ||
| Average total assets | $144,921,000 | 3,898 |
| Average earning assets | $134,853,000 | 3,850 |
| Average equity | $14,188,000 | 4,161 |
| Average total loans | $86,679,000 | 3,823 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 3,363 |
| Cost of funding earning assets | 0.9533% | 1,622 |
| Net interest margin | 3.5544% | 4,284 |
| Noninterest income to average assets | 0.4215% | 4,445 |
| Noninterest expense to average assets | 1.9278% | 6,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2157% | 1,548 |
| Return on assets (ROA) | 1.2545% | 1,595 |
| Pretax return on assets | 1.7667% | 984 |
| Return on Equity (ROE) | 12.5377% | 1,348 |
| Retained earnings to average equity (ytd only) | 6.6499% | 1,744 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9644% | 6,375 |
| Assets per employee ($millions) | 5.7246% | 1,498 |
| Cash dividends to net income (ytd only)* | 46.9610% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,430 |
| Loan loss allowance to noncurrent loans | 931.8182% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 6,349 |
| Noncurrent loans to loans | 0.1216% | 6,174 |
| Net loans and leases to total assets | 62.5162% | 3,162 |
| Net loans and leases to deposits | 75.2045% | 2,923 |
| Net loans and leases to core deposits | 78.1527% | 3,236 |
| Total domestic deposits to total assets | 83.1283% | 4,663 |
| Equity capital to assets | 9.8599% | 4,366 |
| Core capital (leverage) ratio | 9.7963% | 3,662 |
| Tier 1 risk-based capital ratio | 12.9226% | 5,170 |
| Total risk-based capital ratio | 13.8915% | 5,316 |
| Memoranda: | ||
| Average total assets | $139,018,600 | 3,967 |
| Average earning assets | $125,872,800 | 3,983 |
| Average equity | $13,910,000 | 4,179 |
| Average total loans | $88,586,600 | 3,783 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 3,005 |
| Cost of funding earning assets | 1.0233% | 1,433 |
| Net interest margin | 3.6287% | 4,108 |
| Noninterest income to average assets | 0.4435% | 4,341 |
| Noninterest expense to average assets | 1.8271% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4032% | 1,212 |
| Return on assets (ROA) | 1.4561% | 1,232 |
| Pretax return on assets | 1.9565% | 766 |
| Return on Equity (ROE) | 14.4972% | 1,001 |
| Retained earnings to average equity (ytd only) | 9.6488% | 1,014 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2192% | 6,646 |
| Assets per employee ($millions) | 5.6856% | 1,468 |
| Cash dividends to net income (ytd only)* | 33.4438% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,614 |
| Loan loss allowance to noncurrent loans | 923.4234% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 6,402 |
| Noncurrent loans to loans | 0.1219% | 6,305 |
| Net loans and leases to total assets | 63.3568% | 3,143 |
| Net loans and leases to deposits | 80.6679% | 2,296 |
| Net loans and leases to core deposits | 84.6940% | 2,618 |
| Total domestic deposits to total assets | 78.5403% | 5,957 |
| Equity capital to assets | 10.0907% | 4,370 |
| Core capital (leverage) ratio | 9.6132% | 4,100 |
| Tier 1 risk-based capital ratio | 12.9767% | 5,273 |
| Total risk-based capital ratio | 13.9442% | 5,452 |
| Memoranda: | ||
| Average total assets | $137,994,500 | 4,025 |
| Average earning assets | $124,303,500 | 4,057 |
| Average equity | $13,859,750 | 4,224 |
| Average total loans | $88,109,500 | 3,836 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 3,256 |
| Cost of funding earning assets | 1.0246% | 1,609 |
| Net interest margin | 3.6000% | 4,260 |
| Noninterest income to average assets | 0.4333% | 4,412 |
| Noninterest expense to average assets | 1.9032% | 6,588 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3544% | 1,302 |
| Return on assets (ROA) | 1.4201% | 1,281 |
| Pretax return on assets | 1.8622% | 916 |
| Return on Equity (ROE) | 14.1620% | 1,078 |
| Retained earnings to average equity (ytd only) | 9.5630% | 1,098 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7310% | 6,521 |
| Assets per employee ($millions) | 5.5988% | 1,529 |
| Cash dividends to net income (ytd only)* | 32.4742% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 5,612 |
| Loan loss allowance to noncurrent loans | 907.0796% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 6,464 |
| Noncurrent loans to loans | 0.1254% | 6,351 |
| Net loans and leases to total assets | 63.6334% | 3,118 |
| Net loans and leases to deposits | 80.6825% | 2,279 |
| Net loans and leases to core deposits | 85.5821% | 2,480 |
| Total domestic deposits to total assets | 78.8689% | 5,983 |
| Equity capital to assets | 10.0036% | 4,335 |
| Core capital (leverage) ratio | 9.6169% | 3,968 |
| Tier 1 risk-based capital ratio | 12.8527% | 5,296 |
| Total risk-based capital ratio | 13.8359% | 5,487 |
| Memoranda: | ||
| Average total assets | $136,612,330 | 4,063 |
| Average earning assets | $123,168,000 | 4,097 |
| Average equity | $13,698,670 | 4,258 |
| Average total loans | $87,119,000 | 3,879 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 2,713 |
| Cost of funding earning assets | 1.0527% | 1,655 |
| Net interest margin | 3.7279% | 3,702 |
| Noninterest income to average assets | 0.3854% | 4,784 |
| Noninterest expense to average assets | 2.0039% | 6,454 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3547% | 1,303 |
| Return on assets (ROA) | 1.4555% | 1,240 |
| Pretax return on assets | 1.8024% | 1,066 |
| Return on Equity (ROE) | 14.4977% | 1,078 |
| Retained earnings to average equity (ytd only) | 10.7773% | 1,095 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4283% | 6,303 |
| Assets per employee ($millions) | 5.5524% | 1,654 |
| Cash dividends to net income (ytd only)* | 25.6619% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 5,135 |
| Loan loss allowance to noncurrent loans | 868.6441% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 6,555 |
| Noncurrent loans to loans | 0.1467% | 6,395 |
| Net loans and leases to total assets | 57.2250% | 4,182 |
| Net loans and leases to deposits | 71.4540% | 3,518 |
| Net loans and leases to core deposits | 75.2472% | 3,716 |
| Total domestic deposits to total assets | 80.0864% | 5,835 |
| Equity capital to assets | 9.8509% | 4,309 |
| Core capital (leverage) ratio | 9.3865% | 4,214 |
| Tier 1 risk-based capital ratio | 13.5861% | 4,762 |
| Total risk-based capital ratio | 14.6483% | 4,890 |
| Memoranda: | ||
| Average total assets | $134,934,000 | 4,129 |
| Average earning assets | $119,315,500 | 4,218 |
| Average equity | $13,547,000 | 4,291 |
| Average total loans | $85,632,500 | 3,948 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 2,544 |
| Cost of funding earning assets | 1.2120% | 1,951 |
| Net interest margin | 3.8652% | 3,492 |
| Noninterest income to average assets | 0.3902% | 4,700 |
| Noninterest expense to average assets | 2.0984% | 6,498 |
| Loan and lease loss provision to assets | 0.0557% | 5,900 |
| Net operating income to assets | 1.2944% | 1,262 |
| Return on assets (ROA) | 1.3116% | 1,324 |
| Pretax return on assets | 1.8181% | 780 |
| Return on Equity (ROE) | 12.7661% | 1,214 |
| Retained earnings to average equity (ytd only) | 6.4179% | 1,794 |
| Net charge-offs to loans | 0.0202% | 6,158 |
| Credit loss provision to net charge-offs | 411.7647% | 560 |
| Earnings coverage of net charge-offs (x) | 136.6471% | 247 |
| Efficiency ratio | 53.1464% | 6,594 |
| Assets per employee ($millions) | 5.2423% | 1,895 |
| Cash dividends to net income (ytd only)* | 49.7268% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 5,697 |
| Loan loss allowance to noncurrent loans | 178.2609% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 5,869 |
| Noncurrent loans to loans | 0.6332% | 5,448 |
| Net loans and leases to total assets | 68.5048% | 2,307 |
| Net loans and leases to deposits | 87.1026% | 1,503 |
| Net loans and leases to core deposits | 91.2807% | 1,959 |
| Total domestic deposits to total assets | 78.6484% | 6,059 |
| Equity capital to assets | 10.2397% | 3,865 |
| Core capital (leverage) ratio | 9.8261% | 3,552 |
| Tier 1 risk-based capital ratio | 12.5858% | 5,381 |
| Total risk-based capital ratio | 13.5980% | 5,552 |
| Memoranda: | ||
| Average total assets | $125,570,400 | 4,257 |
| Average earning assets | $115,596,600 | 4,250 |
| Average equity | $12,901,400 | 4,355 |
| Average total loans | $83,957,200 | 4,026 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 2,769 |
| Cost of funding earning assets | 1.2371% | 2,078 |
| Net interest margin | 3.8293% | 3,724 |
| Noninterest income to average assets | 0.4036% | 4,639 |
| Noninterest expense to average assets | 2.0171% | 6,661 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4412% | 1,074 |
| Return on assets (ROA) | 1.4654% | 1,096 |
| Pretax return on assets | 1.9409% | 708 |
| Return on Equity (ROE) | 14.2498% | 989 |
| Retained earnings to average equity (ytd only) | 8.9884% | 1,153 |
| Net charge-offs to loans | -0.0049% | 6,714 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3809% | 6,735 |
| Assets per employee ($millions) | 5.3485% | 1,756 |
| Cash dividends to net income (ytd only)* | 36.9230% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 6,027 |
| Loan loss allowance to noncurrent loans | 750.0000% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 6,815 |
| Noncurrent loans to loans | 0.1409% | 6,590 |
| Net loans and leases to total assets | 68.2856% | 2,427 |
| Net loans and leases to deposits | 91.8119% | 1,028 |
| Net loans and leases to core deposits | 97.5637% | 1,461 |
| Total domestic deposits to total assets | 74.3755% | 6,715 |
| Equity capital to assets | 10.1060% | 4,200 |
| Core capital (leverage) ratio | 9.8940% | 3,581 |
| Tier 1 risk-based capital ratio | 12.1105% | 5,809 |
| Total risk-based capital ratio | 13.0345% | 6,040 |
| Memoranda: | ||
| Average total assets | $124,198,500 | 4,313 |
| Average earning assets | $114,239,750 | 4,302 |
| Average equity | $12,771,750 | 4,390 |
| Average total loans | $82,245,000 | 4,115 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0401% | 2,968 |
| Cost of funding earning assets | 1.2641% | 2,154 |
| Net interest margin | 3.7760% | 3,907 |
| Noninterest income to average assets | 0.4049% | 4,638 |
| Noninterest expense to average assets | 2.1053% | 6,581 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3648% | 1,158 |
| Return on assets (ROA) | 1.4030% | 1,141 |
| Pretax return on assets | 1.8145% | 851 |
| Return on Equity (ROE) | 13.5572% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.5272% | 1,258 |
| Net charge-offs to loans | -0.0076% | 6,639 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3980% | 6,582 |
| Assets per employee ($millions) | 5.2426% | 1,827 |
| Cash dividends to net income (ytd only)* | 37.1025% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 5,734 |
| Loan loss allowance to noncurrent loans | 2,437.5000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 7,020 |
| Noncurrent loans to loans | 0.0475% | 6,864 |
| Net loans and leases to total assets | 66.1620% | 2,998 |
| Net loans and leases to deposits | 82.7020% | 2,334 |
| Net loans and leases to core deposits | 88.6625% | 2,542 |
| Total domestic deposits to total assets | 80.0005% | 5,822 |
| Equity capital to assets | 10.3582% | 3,682 |
| Core capital (leverage) ratio | 9.9884% | 3,277 |
| Tier 1 risk-based capital ratio | 12.7448% | 5,135 |
| Total risk-based capital ratio | 13.7428% | 5,329 |
| Memoranda: | ||
| Average total assets | $121,027,330 | 4,422 |
| Average earning assets | $111,069,000 | 4,410 |
| Average equity | $12,524,670 | 4,430 |
| Average total loans | $78,899,670 | 4,262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9844% | 3,169 |
| Cost of funding earning assets | 1.2674% | 2,378 |
| Net interest margin | 3.7170% | 4,012 |
| Noninterest income to average assets | 0.4080% | 4,646 |
| Noninterest expense to average assets | 2.1951% | 6,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3521% | 1,147 |
| Return on assets (ROA) | 1.3521% | 1,201 |
| Pretax return on assets | 1.5949% | 1,205 |
| Return on Equity (ROE) | 13.0720% | 1,176 |
| Retained earnings to average equity (ytd only) | 8.9646% | 1,390 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9181% | 6,282 |
| Assets per employee ($millions) | 5.0822% | 2,048 |
| Cash dividends to net income (ytd only)* | 31.4214% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 5,197 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 7,069 |
| Noncurrent loans to loans | 0.0635% | 6,887 |
| Net loans and leases to total assets | 61.1627% | 4,044 |
| Net loans and leases to deposits | 74.9257% | 3,607 |
| Net loans and leases to core deposits | 80.7862% | 3,631 |
| Total domestic deposits to total assets | 81.6312% | 5,445 |
| Equity capital to assets | 10.2195% | 3,514 |
| Core capital (leverage) ratio | 10.1517% | 2,976 |
| Tier 1 risk-based capital ratio | 13.6123% | 4,348 |
| Total risk-based capital ratio | 14.6975% | 4,445 |
| Memoranda: | ||
| Average total assets | $118,629,500 | 4,524 |
| Average earning assets | $107,937,000 | 4,529 |
| Average equity | $12,270,500 | 4,493 |
| Average total loans | $76,238,500 | 4,378 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 2,497 |
| Cost of funding earning assets | 1.5377% | 2,418 |
| Net interest margin | 3.9045% | 3,467 |
| Noninterest income to average assets | 0.4446% | 4,563 |
| Noninterest expense to average assets | 2.2448% | 6,496 |
| Loan and lease loss provision to assets | 0.0450% | 6,716 |
| Net operating income to assets | 1.2627% | 1,261 |
| Return on assets (ROA) | 1.2772% | 1,292 |
| Pretax return on assets | 1.7605% | 828 |
| Return on Equity (ROE) | 11.8199% | 1,359 |
| Retained earnings to average equity (ytd only) | 4.9978% | 2,409 |
| Net charge-offs to loans | -0.0634% | 7,468 |
| Credit loss provision to net charge-offs | -104.1667% | 7,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6945% | 6,631 |
| Assets per employee ($millions) | 5.0124% | 2,143 |
| Cash dividends to net income (ytd only)* | 57.7167% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 5,186 |
| Loan loss allowance to noncurrent loans | 2,160.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 7,141 |
| Noncurrent loans to loans | 0.0585% | 6,977 |
| Net loans and leases to total assets | 65.8632% | 3,497 |
| Net loans and leases to deposits | 80.3358% | 3,108 |
| Net loans and leases to core deposits | 85.9784% | 3,320 |
| Total domestic deposits to total assets | 81.9848% | 5,194 |
| Equity capital to assets | 10.4748% | 3,177 |
| Core capital (leverage) ratio | 10.5084% | 2,548 |
| Tier 1 risk-based capital ratio | 13.2301% | 4,432 |
| Total risk-based capital ratio | 14.3092% | 4,520 |
| Memoranda: | ||
| Average total assets | $111,103,600 | 4,682 |
| Average earning assets | $102,036,200 | 4,670 |
| Average equity | $12,005,200 | 4,599 |
| Average total loans | $75,714,600 | 4,464 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 2,186 |
| Cost of funding earning assets | 1.6251% | 2,248 |
| Net interest margin | 3.9420% | 3,351 |
| Noninterest income to average assets | 0.3937% | 5,011 |
| Noninterest expense to average assets | 2.1685% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3950% | 1,111 |
| Return on assets (ROA) | 1.4150% | 1,153 |
| Pretax return on assets | 1.8753% | 805 |
| Return on Equity (ROE) | 12.9909% | 1,250 |
| Retained earnings to average equity (ytd only) | 7.3853% | 1,652 |
| Net charge-offs to loans | -0.0796% | 7,521 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9807% | 6,791 |
| Assets per employee ($millions) | 4.7527% | 2,523 |
| Cash dividends to net income (ytd only)* | 43.1506% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 5,633 |
| Loan loss allowance to noncurrent loans | 2,090.9091% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 7,257 |
| Noncurrent loans to loans | 0.0559% | 7,103 |
| Net loans and leases to total assets | 68.2029% | 3,163 |
| Net loans and leases to deposits | 86.3267% | 2,271 |
| Net loans and leases to core deposits | 93.2045% | 2,630 |
| Total domestic deposits to total assets | 79.0056% | 6,018 |
| Equity capital to assets | 10.9290% | 3,027 |
| Core capital (leverage) ratio | 10.5365% | 2,650 |
| Tier 1 risk-based capital ratio | 13.1888% | 4,433 |
| Total risk-based capital ratio | 14.2016% | 4,596 |
| Memoranda: | ||
| Average total assets | $110,058,000 | 4,763 |
| Average earning assets | $101,163,250 | 4,754 |
| Average equity | $11,987,500 | 4,677 |
| Average total loans | $75,417,500 | 4,544 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5588% | 2,296 |
| Cost of funding earning assets | 1.6742% | 2,265 |
| Net interest margin | 3.8846% | 3,515 |
| Noninterest income to average assets | 0.4010% | 4,907 |
| Noninterest expense to average assets | 2.2590% | 6,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3352% | 1,227 |
| Return on assets (ROA) | 1.3668% | 1,224 |
| Pretax return on assets | 1.7549% | 955 |
| Return on Equity (ROE) | 12.5634% | 1,338 |
| Retained earnings to average equity (ytd only) | 7.2371% | 1,735 |
| Net charge-offs to loans | -0.0404% | 7,412 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8519% | 6,527 |
| Assets per employee ($millions) | 4.5433% | 2,802 |
| Cash dividends to net income (ytd only)* | 42.3957% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,818 |
| Loan loss allowance to noncurrent loans | 1,893.6170% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 7,291 |
| Noncurrent loans to loans | 0.0594% | 7,170 |
| Net loans and leases to total assets | 68.8501% | 3,158 |
| Net loans and leases to deposits | 86.4034% | 2,442 |
| Net loans and leases to core deposits | 92.7157% | 2,888 |
| Total domestic deposits to total assets | 79.6845% | 5,826 |
| Equity capital to assets | 10.6829% | 3,186 |
| Core capital (leverage) ratio | 10.3935% | 2,720 |
| Tier 1 risk-based capital ratio | 12.8849% | 4,536 |
| Total risk-based capital ratio | 13.8613% | 4,728 |
| Memoranda: | ||
| Average total assets | $108,722,670 | 4,841 |
| Average earning assets | $99,985,670 | 4,808 |
| Average equity | $11,828,000 | 4,725 |
| Average total loans | $74,318,330 | 4,629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6280% | 2,040 |
| Cost of funding earning assets | 1.6793% | 2,483 |
| Net interest margin | 3.9487% | 3,109 |
| Noninterest income to average assets | 0.3763% | 5,129 |
| Noninterest expense to average assets | 2.4122% | 6,044 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2990% | 1,299 |
| Return on assets (ROA) | 1.3209% | 1,325 |
| Pretax return on assets | 1.5918% | 1,282 |
| Return on Equity (ROE) | 12.0257% | 1,496 |
| Retained earnings to average equity (ytd only) | 7.7088% | 1,836 |
| Net charge-offs to loans | -0.0556% | 7,373 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6433% | 6,066 |
| Assets per employee ($millions) | 4.4160% | 3,099 |
| Cash dividends to net income (ytd only)* | 35.8974% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 5,591 |
| Loan loss allowance to noncurrent loans | 523.6686% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 7,095 |
| Noncurrent loans to loans | 0.2257% | 6,883 |
| Net loans and leases to total assets | 67.0299% | 3,625 |
| Net loans and leases to deposits | 83.2951% | 3,065 |
| Net loans and leases to core deposits | 87.5420% | 3,673 |
| Total domestic deposits to total assets | 80.4728% | 5,631 |
| Equity capital to assets | 10.6803% | 3,059 |
| Core capital (leverage) ratio | 10.6867% | 2,459 |
| Tier 1 risk-based capital ratio | 13.3366% | 4,097 |
| Total risk-based capital ratio | 14.3592% | 4,225 |
| Memoranda: | ||
| Average total assets | $106,292,500 | 4,974 |
| Average earning assets | $96,944,500 | 4,954 |
| Average equity | $11,675,000 | 4,798 |
| Average total loans | $71,931,500 | 4,788 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0253% | 1,771 |
| Cost of funding earning assets | 1.8130% | 3,923 |
| Net interest margin | 4.2123% | 2,023 |
| Noninterest income to average assets | 0.3967% | 5,228 |
| Noninterest expense to average assets | 2.4845% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2998% | 1,037 |
| Return on assets (ROA) | 1.3128% | 1,052 |
| Pretax return on assets | 1.7409% | 711 |
| Return on Equity (ROE) | 11.4412% | 1,311 |
| Retained earnings to average equity (ytd only) | 4.1998% | 2,282 |
| Net charge-offs to loans | -0.0074% | 7,732 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0405% | 6,613 |
| Assets per employee ($millions) | 4.0874% | 3,643 |
| Cash dividends to net income (ytd only)* | 63.2921% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,946 |
| Loan loss allowance to noncurrent loans | 579.4702% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 7,109 |
| Noncurrent loans to loans | 0.2189% | 6,881 |
| Net loans and leases to total assets | 66.6458% | 4,004 |
| Net loans and leases to deposits | 79.1230% | 4,152 |
| Net loans and leases to core deposits | 98.8117% | 4,136 |
| Total domestic deposits to total assets | 84.2306% | 3,927 |
| Equity capital to assets | 11.3118% | 2,457 |
| Core capital (leverage) ratio | 11.1789% | 2,123 |
| Tier 1 risk-based capital ratio | 14.1326% | 3,416 |
| Total risk-based capital ratio | 15.2253% | 3,469 |
| Memoranda: | ||
| Average total assets | $98,570,400 | 5,122 |
| Average earning assets | $89,190,400 | 5,149 |
| Average equity | $11,310,000 | 4,936 |
| Average total loans | $67,991,000 | 4,941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 1,904 |
| Cost of funding earning assets | 1.8662% | 4,068 |
| Net interest margin | 4.1676% | 2,157 |
| Noninterest income to average assets | 0.3945% | 5,342 |
| Noninterest expense to average assets | 2.3876% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4132% | 991 |
| Return on assets (ROA) | 1.4348% | 1,019 |
| Pretax return on assets | 1.8116% | 785 |
| Return on Equity (ROE) | 12.4585% | 1,248 |
| Retained earnings to average equity (ytd only) | 6.4841% | 1,715 |
| Net charge-offs to loans | -0.0059% | 7,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2317% | 6,838 |
| Assets per employee ($millions) | 4.0185% | 3,692 |
| Cash dividends to net income (ytd only)* | 47.9540% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,975 |
| Loan loss allowance to noncurrent loans | 377.9221% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 6,940 |
| Noncurrent loans to loans | 0.3243% | 6,710 |
| Net loans and leases to total assets | 70.0404% | 3,508 |
| Net loans and leases to deposits | 85.1803% | 3,470 |
| Net loans and leases to core deposits | 106.4154% | 3,655 |
| Total domestic deposits to total assets | 82.2261% | 4,577 |
| Equity capital to assets | 11.6900% | 2,443 |
| Core capital (leverage) ratio | 11.3830% | 2,133 |
| Tier 1 risk-based capital ratio | 14.1871% | 3,449 |
| Total risk-based capital ratio | 15.2747% | 3,487 |
| Memoranda: | ||
| Average total assets | $97,666,750 | 5,186 |
| Average earning assets | $88,521,750 | 5,215 |
| Average equity | $11,247,750 | 5,005 |
| Average total loans | $67,744,500 | 4,995 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0221% | 2,093 |
| Cost of funding earning assets | 1.9249% | 4,137 |
| Net interest margin | 4.0972% | 2,331 |
| Noninterest income to average assets | 0.3990% | 5,297 |
| Noninterest expense to average assets | 2.5099% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2649% | 1,317 |
| Return on assets (ROA) | 1.2632% | 1,401 |
| Pretax return on assets | 1.5837% | 1,239 |
| Return on Equity (ROE) | 11.0266% | 1,694 |
| Retained earnings to average equity (ytd only) | 5.3418% | 2,331 |
| Net charge-offs to loans | -0.0150% | 7,655 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2822% | 6,354 |
| Assets per employee ($millions) | 3.9580% | 3,757 |
| Cash dividends to net income (ytd only)* | 51.5548% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,483 |
| Loan loss allowance to noncurrent loans | 256.5982% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 6,589 |
| Noncurrent loans to loans | 0.4941% | 6,292 |
| Net loans and leases to total assets | 68.8654% | 3,981 |
| Net loans and leases to deposits | 81.3444% | 4,332 |
| Net loans and leases to core deposits | 101.7318% | 4,304 |
| Total domestic deposits to total assets | 84.6591% | 3,413 |
| Equity capital to assets | 11.3410% | 2,637 |
| Core capital (leverage) ratio | 11.2895% | 2,205 |
| Tier 1 risk-based capital ratio | 14.2079% | 3,396 |
| Total risk-based capital ratio | 15.3242% | 3,415 |
| Memoranda: | ||
| Average total assets | $96,735,000 | 5,259 |
| Average earning assets | $87,278,330 | 5,289 |
| Average equity | $11,082,330 | 5,065 |
| Average total loans | $66,580,330 | 5,086 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0285% | 2,244 |
| Cost of funding earning assets | 1.9447% | 4,399 |
| Net interest margin | 4.0839% | 2,340 |
| Noninterest income to average assets | 0.4099% | 5,134 |
| Noninterest expense to average assets | 2.4303% | 6,097 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4180% | 1,105 |
| Return on assets (ROA) | 1.4180% | 1,189 |
| Pretax return on assets | 1.6690% | 1,250 |
| Return on Equity (ROE) | 12.3133% | 1,565 |
| Retained earnings to average equity (ytd only) | 7.7367% | 1,911 |
| Net charge-offs to loans | 0.0490% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 49.8750% | 727 |
| Efficiency ratio | 59.2857% | 6,511 |
| Assets per employee ($millions) | 3.8203% | 4,038 |
| Cash dividends to net income (ytd only)* | 37.1681% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 3,869 |
| Loan loss allowance to noncurrent loans | 205.7279% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 6,185 |
| Noncurrent loans to loans | 0.6503% | 5,781 |
| Net loans and leases to total assets | 66.5637% | 4,451 |
| Net loans and leases to deposits | 79.5319% | 4,687 |
| Net loans and leases to core deposits | 95.2191% | 5,042 |
| Total domestic deposits to total assets | 83.6944% | 3,846 |
| Equity capital to assets | 11.6714% | 2,468 |
| Core capital (leverage) ratio | 11.6571% | 2,065 |
| Tier 1 risk-based capital ratio | 14.7776% | 3,167 |
| Total risk-based capital ratio | 15.9299% | 3,145 |
| Memoranda: | ||
| Average total assets | $95,627,000 | 5,313 |
| Average earning assets | $86,389,000 | 5,340 |
| Average equity | $11,012,500 | 5,103 |
| Average total loans | $65,361,500 | 5,157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6697% | 2,156 |
| Cost of funding earning assets | 2.5444% | 3,981 |
| Net interest margin | 4.1253% | 2,603 |
| Noninterest income to average assets | 0.6733% | 3,306 |
| Noninterest expense to average assets | 2.3846% | 6,447 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5387% | 946 |
| Return on assets (ROA) | 1.4130% | 1,157 |
| Pretax return on assets | 1.8746% | 807 |
| Return on Equity (ROE) | 12.4628% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.8513% | 2,110 |
| Net charge-offs to loans | 0.1474% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,575 |
| Efficiency ratio | 53.8681% | 7,277 |
| Assets per employee ($millions) | 3.9895% | 3,540 |
| Cash dividends to net income (ytd only)* | 61.0738% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 3,694 |
| Loan loss allowance to noncurrent loans | 1,526.3158% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 7,331 |
| Noncurrent loans to loans | 0.0860% | 7,163 |
| Net loans and leases to total assets | 68.3238% | 4,410 |
| Net loans and leases to deposits | 84.8505% | 4,279 |
| Net loans and leases to core deposits | 101.5319% | 4,667 |
| Total domestic deposits to total assets | 80.5226% | 4,832 |
| Equity capital to assets | 11.3612% | 2,741 |
| Core capital (leverage) ratio | 11.3637% | 2,327 |
| Tier 1 risk-based capital ratio | 14.8255% | 3,137 |
| Total risk-based capital ratio | 16.0153% | 3,089 |
| Memoranda: | ||
| Average total assets | $94,902,600 | 5,202 |
| Average earning assets | $86,345,400 | 5,219 |
| Average equity | $10,760,000 | 5,194 |
| Average total loans | $64,443,200 | 5,080 |