Home > Town & Country Bank Midwest > Performance and Condition Ratios
Town & Country Bank Midwest, 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 | 5.1395% | 1,774 |
| Cost of funding earning assets | 0.4998% | 4,194 |
| Net interest margin | 4.6397% | 502 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.4457% | 2,454 |
| Loan and lease loss provision to assets | 0.8400% | 85 |
| Net operating income to assets | 1.9424% | 506 |
| Return on assets (ROA) | 1.9424% | 483 |
| Pretax return on assets | 1.9424% | 731 |
| Return on Equity (ROE) | 16.9600% | 955 |
| Retained earnings to average equity (ytd only) | 4.6836% | 2,719 |
| Net charge-offs to loans | 1.1984% | 80 |
| Credit loss provision to net charge-offs | 104.0864% | 1,802 |
| Earnings coverage of net charge-offs (x) | 3.4705% | 2,642 |
| Efficiency ratio | 46.1304% | 4,189 |
| Assets per employee ($millions) | 5.5209% | 3,232 |
| Cash dividends to net income (ytd only)* | 72.3764% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 1,870 |
| Loan loss allowance to noncurrent loans | 45.3340% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.9608% | 151 |
| Noncurrent loans to loans | 2.8271% | 156 |
| Net loans and leases to total assets | 68.4700% | 1,980 |
| Net loans and leases to deposits | 77.7212% | 2,295 |
| Net loans and leases to core deposits | 81.7015% | 2,609 |
| Total domestic deposits to total assets | 88.1000% | 1,317 |
| Equity capital to assets | 11.7344% | 1,217 |
| Core capital (leverage) ratio | 12.4006% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $213,391,400 | 2,885 |
| Average earning assets | $200,076,400 | 2,870 |
| Average equity | $24,446,800 | 2,550 |
| Average total loans | $142,943,800 | 2,736 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9844% | 1,859 |
| Cost of funding earning assets | 0.4372% | 4,217 |
| Net interest margin | 4.5472% | 579 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.2782% | 2,860 |
| Loan and lease loss provision to assets | 1.0300% | 58 |
| Net operating income to assets | 1.8305% | 627 |
| Return on assets (ROA) | 1.8305% | 620 |
| Pretax return on assets | 1.8305% | 962 |
| Return on Equity (ROE) | 16.0800% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.7015% | 3,337 |
| Net charge-offs to loans | 1.4734% | 59 |
| Credit loss provision to net charge-offs | 104.4814% | 1,588 |
| Earnings coverage of net charge-offs (x) | 2.9277% | 2,456 |
| Efficiency ratio | 43.6731% | 4,249 |
| Assets per employee ($millions) | 5.2886% | 3,358 |
| Cash dividends to net income (ytd only)* | 76.9757% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 1,849 |
| Loan loss allowance to noncurrent loans | 44.0608% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 2.1061% | 125 |
| Noncurrent loans to loans | 2.9617% | 141 |
| Net loans and leases to total assets | 70.1800% | 1,806 |
| Net loans and leases to deposits | 79.6272% | 2,084 |
| Net loans and leases to core deposits | 82.4828% | 2,438 |
| Total domestic deposits to total assets | 88.1400% | 1,522 |
| Equity capital to assets | 11.7137% | 1,121 |
| Core capital (leverage) ratio | 12.4867% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $212,910,500 | 2,896 |
| Average earning assets | $199,766,500 | 2,877 |
| Average equity | $24,242,000 | 2,551 |
| Average total loans | $141,344,500 | 2,759 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 2,078 |
| Cost of funding earning assets | 0.3604% | 4,226 |
| Net interest margin | 4.4018% | 707 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 2.2349% | 2,980 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 2.5259% | 240 |
| Return on assets (ROA) | 2.5259% | 235 |
| Pretax return on assets | 2.5259% | 345 |
| Return on Equity (ROE) | 22.3900% | 521 |
| Retained earnings to average equity (ytd only) | 10.0291% | 1,394 |
| Net charge-offs to loans | -0.0086% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.1072% | 4,251 |
| Assets per employee ($millions) | 5.3033% | 3,326 |
| Cash dividends to net income (ytd only)* | 55.2079% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,303 |
| Loan loss allowance to noncurrent loans | 33.5705% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 2.9899% | 69 |
| Noncurrent loans to loans | 4.3552% | 74 |
| Net loans and leases to total assets | 67.6500% | 1,995 |
| Net loans and leases to deposits | 76.9886% | 2,217 |
| Net loans and leases to core deposits | 78.8233% | 2,557 |
| Total domestic deposits to total assets | 87.8700% | 1,657 |
| Equity capital to assets | 11.9833% | 1,054 |
| Core capital (leverage) ratio | 12.2185% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $215,129,333 | 2,896 |
| Average earning assets | $201,461,667 | 2,881 |
| Average equity | $24,269,333 | 2,553 |
| Average total loans | $139,568,333 | 2,778 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 2,675 |
| Cost of funding earning assets | 0.2738% | 4,246 |
| Net interest margin | 4.0774% | 1,131 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.3076% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3769% | 287 |
| Return on assets (ROA) | 2.3769% | 282 |
| Pretax return on assets | 2.3769% | 426 |
| Return on Equity (ROE) | 21.7100% | 606 |
| Retained earnings to average equity (ytd only) | 9.2123% | 1,887 |
| Net charge-offs to loans | -0.0145% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.5981% | 4,051 |
| Assets per employee ($millions) | 5.5223% | 3,200 |
| Cash dividends to net income (ytd only)* | 57.5595% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 1,969 |
| Loan loss allowance to noncurrent loans | 28.3155% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 3.0320% | 52 |
| Noncurrent loans to loans | 4.6430% | 69 |
| Net loans and leases to total assets | 64.4400% | 2,208 |
| Net loans and leases to deposits | 72.8474% | 2,396 |
| Net loans and leases to core deposits | 74.9331% | 2,604 |
| Total domestic deposits to total assets | 88.4600% | 1,752 |
| Equity capital to assets | 11.3456% | 1,209 |
| Core capital (leverage) ratio | 11.5958% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $219,279,000 | 2,915 |
| Average earning assets | $204,542,500 | 2,902 |
| Average equity | $24,011,500 | 2,600 |
| Average total loans | $138,356,500 | 2,815 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 2,449 |
| Cost of funding earning assets | 0.1351% | 4,205 |
| Net interest margin | 3.5969% | 1,653 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.2312% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0181% | 290 |
| Return on assets (ROA) | 2.0181% | 279 |
| Pretax return on assets | 2.0181% | 464 |
| Return on Equity (ROE) | 19.1300% | 556 |
| Retained earnings to average equity (ytd only) | 6.2621% | 2,549 |
| Net charge-offs to loans | 0.0077% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 362 |
| Efficiency ratio | 51.7730% | 4,002 |
| Assets per employee ($millions) | 5.7228% | 3,011 |
| Cash dividends to net income (ytd only)* | 67.2646% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,531 |
| Loan loss allowance to noncurrent loans | 3,051.6129% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,543 |
| Noncurrent loans to loans | 0.0456% | 3,425 |
| Net loans and leases to total assets | 60.1200% | 2,620 |
| Net loans and leases to deposits | 67.3503% | 2,781 |
| Net loans and leases to core deposits | 69.1825% | 2,930 |
| Total domestic deposits to total assets | 89.2600% | 1,643 |
| Equity capital to assets | 10.5687% | 1,425 |
| Core capital (leverage) ratio | 11.2838% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $220,999,000 | 2,898 |
| Average earning assets | $205,707,200 | 2,887 |
| Average equity | $23,315,000 | 2,681 |
| Average total loans | $129,088,200 | 2,839 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 2,524 |
| Cost of funding earning assets | 0.1075% | 4,221 |
| Net interest margin | 3.4221% | 1,909 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.1404% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9747% | 297 |
| Return on assets (ROA) | 1.9747% | 298 |
| Pretax return on assets | 1.9747% | 488 |
| Return on Equity (ROE) | 18.7300% | 554 |
| Retained earnings to average equity (ytd only) | 5.8215% | 2,814 |
| Net charge-offs to loans | -0.0031% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.2493% | 4,064 |
| Assets per employee ($millions) | 5.0433% | 3,635 |
| Cash dividends to net income (ytd only)* | 68.9127% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,583 |
| Loan loss allowance to noncurrent loans | 2,092.3077% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,489 |
| Noncurrent loans to loans | 0.0673% | 3,396 |
| Net loans and leases to total assets | 61.4600% | 2,355 |
| Net loans and leases to deposits | 68.8261% | 2,471 |
| Net loans and leases to core deposits | 70.7646% | 2,586 |
| Total domestic deposits to total assets | 89.3000% | 1,958 |
| Equity capital to assets | 10.5771% | 1,343 |
| Core capital (leverage) ratio | 10.9348% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $220,451,750 | 2,917 |
| Average earning assets | $205,912,500 | 2,909 |
| Average equity | $23,246,750 | 2,722 |
| Average total loans | $127,342,750 | 2,854 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2012% | 3,044 |
| Cost of funding earning assets | 0.1129% | 4,048 |
| Net interest margin | 3.0883% | 2,569 |
| Noninterest income to average assets | 0.9213% | 804 |
| Noninterest expense to average assets | 2.0555% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7541% | 374 |
| Return on assets (ROA) | 1.7541% | 368 |
| Pretax return on assets | 1.7541% | 669 |
| Return on Equity (ROE) | 16.6512% | 611 |
| Retained earnings to average equity (ytd only) | 3.8031% | 3,158 |
| Net charge-offs to loans | -0.0032% | 3,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1265% | 4,037 |
| Assets per employee ($millions) | 5.9433% | 2,794 |
| Cash dividends to net income (ytd only)* | 77.1605% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,468 |
| Loan loss allowance to noncurrent loans | 452.0190% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,424 |
| Noncurrent loans to loans | 0.3268% | 2,171 |
| Net loans and leases to total assets | 56.1981% | 2,735 |
| Net loans and leases to deposits | 62.6218% | 2,841 |
| Net loans and leases to core deposits | 64.2447% | 2,946 |
| Total domestic deposits to total assets | 89.7420% | 1,827 |
| Equity capital to assets | 10.1681% | 1,616 |
| Core capital (leverage) ratio | 11.0772% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,647,667 | 2,933 |
| Average earning assets | $207,297,000 | 2,933 |
| Average equity | $23,349,667 | 2,789 |
| Average total loans | $124,726,333 | 2,898 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1050% | 2,971 |
| Cost of funding earning assets | 0.1146% | 3,952 |
| Net interest margin | 2.9904% | 2,532 |
| Noninterest income to average assets | 0.9784% | 708 |
| Noninterest expense to average assets | 2.0059% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7764% | 345 |
| Return on assets (ROA) | 1.7764% | 347 |
| Pretax return on assets | 1.7764% | 576 |
| Return on Equity (ROE) | 16.5658% | 471 |
| Retained earnings to average equity (ytd only) | 3.8229% | 3,003 |
| Net charge-offs to loans | -0.0033% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2158% | 4,186 |
| Assets per employee ($millions) | 5.7591% | 3,050 |
| Cash dividends to net income (ytd only)* | 76.9231% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,420 |
| Loan loss allowance to noncurrent loans | 538.8102% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 2,677 |
| Noncurrent loans to loans | 0.2862% | 2,447 |
| Net loans and leases to total assets | 55.4958% | 2,579 |
| Net loans and leases to deposits | 63.7833% | 2,553 |
| Net loans and leases to core deposits | 65.6513% | 2,663 |
| Total domestic deposits to total assets | 87.0069% | 2,925 |
| Equity capital to assets | 10.6207% | 1,536 |
| Core capital (leverage) ratio | 11.1658% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,549,500 | 2,969 |
| Average earning assets | $205,860,500 | 2,958 |
| Average equity | $23,542,500 | 2,868 |
| Average total loans | $122,678,000 | 2,922 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 2,617 |
| Cost of funding earning assets | 0.1540% | 3,928 |
| Net interest margin | 3.3612% | 2,137 |
| Noninterest income to average assets | 0.9163% | 1,162 |
| Noninterest expense to average assets | 2.2879% | 2,831 |
| Loan and lease loss provision to assets | 0.0280% | 2,498 |
| Net operating income to assets | 1.6932% | 641 |
| Return on assets (ROA) | 1.6932% | 666 |
| Pretax return on assets | 1.6937% | 1,166 |
| Return on Equity (ROE) | 15.0536% | 941 |
| Retained earnings to average equity (ytd only) | -2.1422% | 4,631 |
| Net charge-offs to loans | 0.0258% | 1,730 |
| Credit loss provision to net charge-offs | 181.8182% | 1,359 |
| Earnings coverage of net charge-offs (x) | 111.9394% | 824 |
| Efficiency ratio | 56.2594% | 3,674 |
| Assets per employee ($millions) | 5.3720% | 3,390 |
| Cash dividends to net income (ytd only)* | 114.2307% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,368 |
| Loan loss allowance to noncurrent loans | 584.9231% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,911 |
| Noncurrent loans to loans | 0.2664% | 2,650 |
| Net loans and leases to total assets | 54.5294% | 2,786 |
| Net loans and leases to deposits | 62.8060% | 2,793 |
| Net loans and leases to core deposits | 64.6346% | 2,932 |
| Total domestic deposits to total assets | 86.8219% | 2,579 |
| Equity capital to assets | 10.8249% | 1,921 |
| Core capital (leverage) ratio | 10.4991% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,561,400 | 2,951 |
| Average earning assets | $197,458,600 | 2,973 |
| Average equity | $24,133,800 | 2,907 |
| Average total loans | $127,880,800 | 2,880 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 2,607 |
| Cost of funding earning assets | 0.1644% | 3,978 |
| Net interest margin | 3.4163% | 2,107 |
| Noninterest income to average assets | 0.9171% | 1,225 |
| Noninterest expense to average assets | 2.1444% | 3,236 |
| Loan and lease loss provision to assets | 0.0282% | 2,436 |
| Net operating income to assets | 1.8585% | 599 |
| Return on assets (ROA) | 1.8585% | 623 |
| Pretax return on assets | 1.8648% | 1,010 |
| Return on Equity (ROE) | 16.3642% | 875 |
| Retained earnings to average equity (ytd only) | -1.5367% | 4,687 |
| Net charge-offs to loans | 0.0124% | 1,872 |
| Credit loss provision to net charge-offs | 375.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 252.1667% | 482 |
| Efficiency ratio | 52.3086% | 4,002 |
| Assets per employee ($millions) | 5.2223% | 3,477 |
| Cash dividends to net income (ytd only)* | 109.3908% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 1,330 |
| Loan loss allowance to noncurrent loans | 375.3937% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 2,617 |
| Noncurrent loans to loans | 0.4273% | 2,278 |
| Net loans and leases to total assets | 53.3376% | 3,045 |
| Net loans and leases to deposits | 61.6869% | 3,070 |
| Net loans and leases to core deposits | 63.5984% | 3,176 |
| Total domestic deposits to total assets | 86.4650% | 2,575 |
| Equity capital to assets | 11.0707% | 1,962 |
| Core capital (leverage) ratio | 11.1008% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,138,750 | 2,992 |
| Average earning assets | $194,672,500 | 3,034 |
| Average equity | $24,206,750 | 2,927 |
| Average total loans | $129,350,250 | 2,901 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 2,797 |
| Cost of funding earning assets | 0.1762% | 3,983 |
| Net interest margin | 3.3648% | 2,259 |
| Noninterest income to average assets | 1.0091% | 1,058 |
| Noninterest expense to average assets | 2.1310% | 3,300 |
| Loan and lease loss provision to assets | 0.0284% | 2,414 |
| Net operating income to assets | 1.9226% | 562 |
| Return on assets (ROA) | 1.9226% | 588 |
| Pretax return on assets | 1.9254% | 962 |
| Return on Equity (ROE) | 16.7813% | 816 |
| Retained earnings to average equity (ytd only) | -3.8955% | 4,753 |
| Net charge-offs to loans | 0.0075% | 1,858 |
| Credit loss provision to net charge-offs | 600.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 412.4000% | 306 |
| Efficiency ratio | 51.3338% | 4,111 |
| Assets per employee ($millions) | 5.7121% | 2,881 |
| Cash dividends to net income (ytd only)* | 123.2134% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,773 |
| Loan loss allowance to noncurrent loans | 410.1512% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,901 |
| Noncurrent loans to loans | 0.3531% | 2,637 |
| Net loans and leases to total assets | 58.0024% | 2,671 |
| Net loans and leases to deposits | 66.9135% | 2,734 |
| Net loans and leases to core deposits | 69.1299% | 2,854 |
| Total domestic deposits to total assets | 86.6827% | 2,482 |
| Equity capital to assets | 10.8053% | 2,146 |
| Core capital (leverage) ratio | 10.7200% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,073,333 | 3,006 |
| Average earning assets | $192,941,000 | 3,042 |
| Average equity | $24,181,667 | 2,928 |
| Average total loans | $132,835,333 | 2,864 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 2,719 |
| Cost of funding earning assets | 0.1992% | 3,917 |
| Net interest margin | 3.3758% | 2,172 |
| Noninterest income to average assets | 1.0895% | 996 |
| Noninterest expense to average assets | 2.0992% | 3,431 |
| Loan and lease loss provision to assets | 0.0292% | 2,401 |
| Net operating income to assets | 2.0719% | 519 |
| Return on assets (ROA) | 2.0719% | 555 |
| Pretax return on assets | 2.0660% | 849 |
| Return on Equity (ROE) | 17.5434% | 774 |
| Retained earnings to average equity (ytd only) | -11.3380% | 4,835 |
| Net charge-offs to loans | 0.0150% | 1,447 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 380 |
| Efficiency ratio | 49.2565% | 4,248 |
| Assets per employee ($millions) | 5.4640% | 3,149 |
| Cash dividends to net income (ytd only)* | 164.6284% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,961 |
| Loan loss allowance to noncurrent loans | 555.7522% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 3,367 |
| Noncurrent loans to loans | 0.2517% | 3,199 |
| Net loans and leases to total assets | 62.3162% | 2,254 |
| Net loans and leases to deposits | 71.9088% | 2,321 |
| Net loans and leases to core deposits | 74.3998% | 2,478 |
| Total domestic deposits to total assets | 86.6601% | 2,461 |
| Equity capital to assets | 11.1827% | 1,736 |
| Core capital (leverage) ratio | 11.4065% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,225,000 | 3,042 |
| Average earning assets | $188,757,000 | 3,064 |
| Average equity | $24,237,000 | 2,912 |
| Average total loans | $133,697,500 | 2,853 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 1,137 |
| Cost of funding earning assets | 0.4381% | 3,359 |
| Net interest margin | 4.1395% | 728 |
| Noninterest income to average assets | 2.2345% | 291 |
| Noninterest expense to average assets | 2.4555% | 2,977 |
| Loan and lease loss provision to assets | 0.2410% | 1,618 |
| Net operating income to assets | 3.3100% | 75 |
| Return on assets (ROA) | 3.3100% | 78 |
| Pretax return on assets | 3.3294% | 98 |
| Return on Equity (ROE) | 26.6510% | 90 |
| Retained earnings to average equity (ytd only) | 13.9962% | 194 |
| Net charge-offs to loans | 0.0082% | 3,036 |
| Credit loss provision to net charge-offs | 4,181.8182% | 250 |
| Earnings coverage of net charge-offs (x) | 619.5455% | 191 |
| Efficiency ratio | 40.0713% | 4,868 |
| Assets per employee ($millions) | 5.0603% | 3,329 |
| Cash dividends to net income (ytd only)* | 47.4834% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,928 |
| Loan loss allowance to noncurrent loans | 363.1783% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 2,994 |
| Noncurrent loans to loans | 0.3888% | 2,815 |
| Net loans and leases to total assets | 66.2990% | 2,048 |
| Net loans and leases to deposits | 77.6203% | 2,108 |
| Net loans and leases to core deposits | 80.4228% | 2,325 |
| Total domestic deposits to total assets | 85.4145% | 2,608 |
| Equity capital to assets | 12.4873% | 1,332 |
| Core capital (leverage) ratio | 12.3259% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,874,000 | 3,021 |
| Average earning assets | $174,828,600 | 3,034 |
| Average equity | $23,706,400 | 2,890 |
| Average total loans | $133,588,600 | 2,821 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 861 |
| Cost of funding earning assets | 0.5042% | 3,196 |
| Net interest margin | 4.3132% | 573 |
| Noninterest income to average assets | 2.5538% | 232 |
| Noninterest expense to average assets | 2.2417% | 3,569 |
| Loan and lease loss provision to assets | 0.3133% | 1,275 |
| Net operating income to assets | 3.9213% | 54 |
| Return on assets (ROA) | 3.9213% | 55 |
| Pretax return on assets | 3.9339% | 70 |
| Return on Equity (ROE) | 31.6170% | 50 |
| Retained earnings to average equity (ytd only) | 18.8362% | 97 |
| Net charge-offs to loans | -0.0060% | 4,094 |
| Credit loss provision to net charge-offs | -7,416.6667% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8834% | 4,972 |
| Assets per employee ($millions) | 4.5570% | 3,775 |
| Cash dividends to net income (ytd only)* | 40.4240% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,072 |
| Loan loss allowance to noncurrent loans | 148.4177% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 1,752 |
| Noncurrent loans to loans | 0.8908% | 1,679 |
| Net loans and leases to total assets | 73.1577% | 1,479 |
| Net loans and leases to deposits | 86.1072% | 1,693 |
| Net loans and leases to core deposits | 89.6454% | 2,007 |
| Total domestic deposits to total assets | 84.9612% | 2,452 |
| Equity capital to assets | 12.8840% | 1,236 |
| Core capital (leverage) ratio | 12.1090% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,254,250 | 3,021 |
| Average earning assets | $172,676,500 | 3,034 |
| Average equity | $23,472,000 | 2,904 |
| Average total loans | $133,806,500 | 2,828 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 642 |
| Cost of funding earning assets | 0.5794% | 3,088 |
| Net interest margin | 4.5569% | 443 |
| Noninterest income to average assets | 3.2926% | 146 |
| Noninterest expense to average assets | 2.2329% | 3,698 |
| Loan and lease loss provision to assets | 0.0849% | 3,220 |
| Net operating income to assets | 5.0907% | 35 |
| Return on assets (ROA) | 5.0907% | 34 |
| Pretax return on assets | 5.1044% | 42 |
| Return on Equity (ROE) | 41.5924% | 28 |
| Retained earnings to average equity (ytd only) | 28.5921% | 32 |
| Net charge-offs to loans | -0.0290% | 4,527 |
| Credit loss provision to net charge-offs | -421.0526% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4555% | 5,019 |
| Assets per employee ($millions) | 4.6320% | 3,617 |
| Cash dividends to net income (ytd only)* | 31.2565% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,196 |
| Loan loss allowance to noncurrent loans | 76.9697% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 1,081 |
| Noncurrent loans to loans | 1.3997% | 1,106 |
| Net loans and leases to total assets | 71.9311% | 1,720 |
| Net loans and leases to deposits | 84.4913% | 1,939 |
| Net loans and leases to core deposits | 97.3549% | 1,469 |
| Total domestic deposits to total assets | 85.1344% | 2,337 |
| Equity capital to assets | 12.6661% | 1,303 |
| Core capital (leverage) ratio | 12.6719% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,541,667 | 3,003 |
| Average earning assets | $170,863,000 | 3,037 |
| Average equity | $23,076,333 | 2,926 |
| Average total loans | $131,114,667 | 2,855 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 1,546 |
| Cost of funding earning assets | 0.6243% | 3,310 |
| Net interest margin | 4.1304% | 1,073 |
| Noninterest income to average assets | 5.2948% | 93 |
| Noninterest expense to average assets | 2.2744% | 3,828 |
| Loan and lease loss provision to assets | 0.0323% | 3,368 |
| Net operating income to assets | 6.6530% | 25 |
| Return on assets (ROA) | 6.6530% | 25 |
| Pretax return on assets | 6.6681% | 28 |
| Return on Equity (ROE) | 55.3692% | 11 |
| Retained earnings to average equity (ytd only) | 41.9126% | 9 |
| Net charge-offs to loans | -0.0349% | 4,524 |
| Credit loss provision to net charge-offs | -136.3636% | 3,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8138% | 5,079 |
| Assets per employee ($millions) | 4.1630% | 3,703 |
| Cash dividends to net income (ytd only)* | 24.3033% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,883 |
| Loan loss allowance to noncurrent loans | 51.6370% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.6256% | 623 |
| Noncurrent loans to loans | 2.2451% | 580 |
| Net loans and leases to total assets | 69.1085% | 2,383 |
| Net loans and leases to deposits | 79.6458% | 2,718 |
| Net loans and leases to core deposits | 92.8279% | 2,083 |
| Total domestic deposits to total assets | 86.7698% | 1,660 |
| Equity capital to assets | 13.0632% | 1,399 |
| Core capital (leverage) ratio | 12.4424% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6894% | 1,031 |
| Memoranda: | ||
| Average total assets | $185,541,000 | 3,003 |
| Average earning assets | $165,310,000 | 3,060 |
| Average equity | $22,294,000 | 2,974 |
| Average total loans | $125,941,500 | 2,891 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 1,593 |
| Cost of funding earning assets | 0.6211% | 3,552 |
| Net interest margin | 4.3369% | 1,014 |
| Noninterest income to average assets | 0.9763% | 1,025 |
| Noninterest expense to average assets | 2.6103% | 3,150 |
| Loan and lease loss provision to assets | 0.0324% | 3,365 |
| Net operating income to assets | 2.1940% | 224 |
| Return on assets (ROA) | 2.1940% | 237 |
| Pretax return on assets | 2.2059% | 382 |
| Return on Equity (ROE) | 19.6129% | 234 |
| Retained earnings to average equity (ytd only) | 4.6486% | 2,618 |
| Net charge-offs to loans | 0.0334% | 2,722 |
| Credit loss provision to net charge-offs | 142.8571% | 1,797 |
| Earnings coverage of net charge-offs (x) | 98.6905% | 687 |
| Efficiency ratio | 52.8678% | 4,534 |
| Assets per employee ($millions) | 4.0867% | 3,796 |
| Cash dividends to net income (ytd only)* | 76.2983% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,811 |
| Loan loss allowance to noncurrent loans | 89.9621% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 1,455 |
| Noncurrent loans to loans | 1.2500% | 1,202 |
| Net loans and leases to total assets | 65.2339% | 3,043 |
| Net loans and leases to deposits | 73.4972% | 3,393 |
| Net loans and leases to core deposits | 84.3587% | 2,916 |
| Total domestic deposits to total assets | 88.7570% | 764 |
| Equity capital to assets | 11.0394% | 2,955 |
| Core capital (leverage) ratio | 10.6637% | 2,794 |
| Tier 1 risk-based capital ratio | 14.6366% | 2,939 |
| Total risk-based capital ratio | 15.6444% | 2,981 |
| Memoranda: | ||
| Average total assets | $185,186,200 | 2,961 |
| Average earning assets | $165,347,200 | 3,035 |
| Average equity | $20,716,000 | 3,065 |
| Average total loans | $125,929,200 | 2,868 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 1,605 |
| Cost of funding earning assets | 0.6201% | 3,583 |
| Net interest margin | 4.3563% | 1,042 |
| Noninterest income to average assets | 0.9760% | 984 |
| Noninterest expense to average assets | 2.4128% | 3,644 |
| Loan and lease loss provision to assets | 0.0327% | 3,253 |
| Net operating income to assets | 2.4164% | 186 |
| Return on assets (ROA) | 2.4164% | 194 |
| Pretax return on assets | 2.4258% | 290 |
| Return on Equity (ROE) | 21.5268% | 179 |
| Retained earnings to average equity (ytd only) | 6.3124% | 2,218 |
| Net charge-offs to loans | 0.0329% | 2,412 |
| Credit loss provision to net charge-offs | 145.1613% | 1,673 |
| Earnings coverage of net charge-offs (x) | 109.1350% | 703 |
| Efficiency ratio | 48.5454% | 4,820 |
| Assets per employee ($millions) | 4.1839% | 3,642 |
| Cash dividends to net income (ytd only)* | 70.6768% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 2,951 |
| Loan loss allowance to noncurrent loans | 211.7735% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 3,078 |
| Noncurrent loans to loans | 0.5266% | 2,710 |
| Net loans and leases to total assets | 66.9262% | 2,934 |
| Net loans and leases to deposits | 75.5903% | 3,334 |
| Net loans and leases to core deposits | 86.8097% | 2,838 |
| Total domestic deposits to total assets | 88.5381% | 807 |
| Equity capital to assets | 11.2611% | 2,870 |
| Core capital (leverage) ratio | 11.0033% | 2,635 |
| Tier 1 risk-based capital ratio | 15.1827% | 2,765 |
| Total risk-based capital ratio | 16.2257% | 2,791 |
| Memoranda: | ||
| Average total assets | $183,464,000 | 3,007 |
| Average earning assets | $164,047,750 | 3,080 |
| Average equity | $20,594,000 | 3,099 |
| Average total loans | $125,730,750 | 2,900 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 1,640 |
| Cost of funding earning assets | 0.6083% | 3,607 |
| Net interest margin | 4.3302% | 1,081 |
| Noninterest income to average assets | 0.9733% | 921 |
| Noninterest expense to average assets | 2.3963% | 3,740 |
| Loan and lease loss provision to assets | 0.0330% | 3,169 |
| Net operating income to assets | 2.4172% | 171 |
| Return on assets (ROA) | 2.4172% | 177 |
| Pretax return on assets | 2.4271% | 273 |
| Return on Equity (ROE) | 21.5582% | 182 |
| Retained earnings to average equity (ytd only) | 5.8652% | 2,342 |
| Net charge-offs to loans | 0.0224% | 2,400 |
| Credit loss provision to net charge-offs | 214.2857% | 1,145 |
| Earnings coverage of net charge-offs (x) | 159.7857% | 469 |
| Efficiency ratio | 48.3469% | 4,880 |
| Assets per employee ($millions) | 4.1520% | 3,641 |
| Cash dividends to net income (ytd only)* | 72.7934% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,985 |
| Loan loss allowance to noncurrent loans | 285.7430% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 3,496 |
| Noncurrent loans to loans | 0.3909% | 3,123 |
| Net loans and leases to total assets | 67.4195% | 2,902 |
| Net loans and leases to deposits | 76.0109% | 3,333 |
| Net loans and leases to core deposits | 87.2649% | 2,869 |
| Total domestic deposits to total assets | 88.6972% | 789 |
| Equity capital to assets | 11.1433% | 2,912 |
| Core capital (leverage) ratio | 10.8832% | 2,707 |
| Tier 1 risk-based capital ratio | 14.5315% | 3,054 |
| Total risk-based capital ratio | 15.5507% | 3,084 |
| Memoranda: | ||
| Average total assets | $181,860,000 | 3,032 |
| Average earning assets | $163,087,330 | 3,102 |
| Average equity | $20,391,330 | 3,114 |
| Average total loans | $125,165,330 | 2,924 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 1,915 |
| Cost of funding earning assets | 0.5011% | 4,056 |
| Net interest margin | 4.2945% | 1,104 |
| Noninterest income to average assets | 0.8920% | 1,057 |
| Noninterest expense to average assets | 2.2635% | 4,113 |
| Loan and lease loss provision to assets | 0.0335% | 2,962 |
| Net operating income to assets | 2.4441% | 179 |
| Return on assets (ROA) | 2.4441% | 188 |
| Pretax return on assets | 2.4553% | 270 |
| Return on Equity (ROE) | 21.7277% | 183 |
| Retained earnings to average equity (ytd only) | 4.8768% | 2,960 |
| Net charge-offs to loans | 0.0387% | 1,720 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 699 |
| Efficiency ratio | 46.6448% | 4,997 |
| Assets per employee ($millions) | 3.9945% | 3,935 |
| Cash dividends to net income (ytd only)* | 77.5547% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,935 |
| Loan loss allowance to noncurrent loans | 89.4103% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8225% | 1,726 |
| Noncurrent loans to loans | 1.2702% | 1,296 |
| Net loans and leases to total assets | 64.0160% | 3,283 |
| Net loans and leases to deposits | 71.7627% | 3,619 |
| Net loans and leases to core deposits | 82.2878% | 3,164 |
| Total domestic deposits to total assets | 89.2051% | 763 |
| Equity capital to assets | 10.6129% | 3,244 |
| Core capital (leverage) ratio | 10.7779% | 2,781 |
| Tier 1 risk-based capital ratio | 14.5420% | 3,086 |
| Total risk-based capital ratio | 15.5716% | 3,115 |
| Memoranda: | ||
| Average total assets | $179,370,500 | 3,095 |
| Average earning assets | $161,231,000 | 3,155 |
| Average equity | $20,177,000 | 3,144 |
| Average total loans | $124,053,500 | 2,976 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 1,571 |
| Cost of funding earning assets | 0.2616% | 4,749 |
| Net interest margin | 4.5270% | 727 |
| Noninterest income to average assets | 0.9435% | 1,075 |
| Noninterest expense to average assets | 2.7174% | 2,967 |
| Loan and lease loss provision to assets | 0.0352% | 3,497 |
| Net operating income to assets | 2.2491% | 235 |
| Return on assets (ROA) | 2.2491% | 226 |
| Pretax return on assets | 2.2579% | 316 |
| Return on Equity (ROE) | 19.5276% | 280 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,506 |
| Net charge-offs to loans | -0.0105% | 4,506 |
| Credit loss provision to net charge-offs | -461.5385% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2164% | 4,695 |
| Assets per employee ($millions) | 3.3401% | 4,710 |
| Cash dividends to net income (ytd only)* | 80.7712% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 2,903 |
| Loan loss allowance to noncurrent loans | 303.8877% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,474 |
| Noncurrent loans to loans | 0.3735% | 3,199 |
| Net loans and leases to total assets | 73.3801% | 2,031 |
| Net loans and leases to deposits | 83.4903% | 2,565 |
| Net loans and leases to core deposits | 87.0375% | 2,835 |
| Total domestic deposits to total assets | 87.8906% | 1,349 |
| Equity capital to assets | 11.9788% | 1,913 |
| Core capital (leverage) ratio | 11.5708% | 2,046 |
| Tier 1 risk-based capital ratio | 15.1470% | 2,755 |
| Total risk-based capital ratio | 16.2318% | 2,767 |
| Memoranda: | ||
| Average total assets | $170,643,800 | 3,159 |
| Average earning assets | $153,301,600 | 3,204 |
| Average equity | $19,654,200 | 3,116 |
| Average total loans | $123,901,200 | 2,952 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 1,631 |
| Cost of funding earning assets | 0.2477% | 4,799 |
| Net interest margin | 4.4672% | 793 |
| Noninterest income to average assets | 0.9311% | 1,107 |
| Noninterest expense to average assets | 2.4940% | 3,615 |
| Loan and lease loss provision to assets | 0.0350% | 3,309 |
| Net operating income to assets | 2.4163% | 181 |
| Return on assets (ROA) | 2.4163% | 182 |
| Pretax return on assets | 2.4248% | 267 |
| Return on Equity (ROE) | 21.1853% | 201 |
| Retained earnings to average equity (ytd only) | 5.1720% | 3,137 |
| Net charge-offs to loans | -0.0097% | 4,382 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3097% | 4,980 |
| Assets per employee ($millions) | 3.4916% | 4,570 |
| Cash dividends to net income (ytd only)* | 75.5871% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,114 |
| Loan loss allowance to noncurrent loans | 115.1867% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 2,056 |
| Noncurrent loans to loans | 0.9669% | 1,755 |
| Net loans and leases to total assets | 73.5323% | 2,065 |
| Net loans and leases to deposits | 83.5727% | 2,646 |
| Net loans and leases to core deposits | 87.1014% | 2,909 |
| Total domestic deposits to total assets | 87.9861% | 1,246 |
| Equity capital to assets | 11.8964% | 1,974 |
| Core capital (leverage) ratio | 11.3978% | 2,246 |
| Tier 1 risk-based capital ratio | 14.5665% | 3,088 |
| Total risk-based capital ratio | 15.5958% | 3,103 |
| Memoranda: | ||
| Average total assets | $171,554,000 | 3,174 |
| Average earning assets | $154,484,750 | 3,217 |
| Average equity | $19,566,500 | 3,148 |
| Average total loans | $123,888,000 | 2,980 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,739 |
| Cost of funding earning assets | 0.2401% | 4,801 |
| Net interest margin | 4.3734% | 896 |
| Noninterest income to average assets | 0.9128% | 1,148 |
| Noninterest expense to average assets | 2.4642% | 3,736 |
| Loan and lease loss provision to assets | 0.0347% | 3,219 |
| Net operating income to assets | 2.3462% | 189 |
| Return on assets (ROA) | 2.3462% | 185 |
| Pretax return on assets | 2.3543% | 296 |
| Return on Equity (ROE) | 20.8613% | 211 |
| Retained earnings to average equity (ytd only) | 4.4027% | 3,402 |
| Net charge-offs to loans | -0.0129% | 4,404 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7259% | 5,037 |
| Assets per employee ($millions) | 3.7480% | 4,283 |
| Cash dividends to net income (ytd only)* | 78.8955% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,302 |
| Loan loss allowance to noncurrent loans | 89.4977% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8892% | 1,690 |
| Noncurrent loans to loans | 1.2224% | 1,416 |
| Net loans and leases to total assets | 71.9436% | 2,285 |
| Net loans and leases to deposits | 81.3316% | 2,834 |
| Net loans and leases to core deposits | 84.0725% | 3,075 |
| Total domestic deposits to total assets | 88.4572% | 1,164 |
| Equity capital to assets | 11.3909% | 2,274 |
| Core capital (leverage) ratio | 11.0120% | 2,516 |
| Tier 1 risk-based capital ratio | 14.4695% | 3,131 |
| Total risk-based capital ratio | 15.4986% | 3,156 |
| Memoranda: | ||
| Average total assets | $172,873,000 | 3,183 |
| Average earning assets | $155,758,670 | 3,224 |
| Average equity | $19,442,670 | 3,175 |
| Average total loans | $123,642,000 | 2,996 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,980 |
| Cost of funding earning assets | 0.2382% | 4,775 |
| Net interest margin | 4.2257% | 1,109 |
| Noninterest income to average assets | 0.9312% | 1,071 |
| Noninterest expense to average assets | 2.3362% | 4,095 |
| Loan and lease loss provision to assets | 0.0231% | 3,224 |
| Net operating income to assets | 2.3754% | 180 |
| Return on assets (ROA) | 2.3754% | 184 |
| Pretax return on assets | 2.3847% | 270 |
| Return on Equity (ROE) | 21.2567% | 183 |
| Retained earnings to average equity (ytd only) | 3.6806% | 3,725 |
| Net charge-offs to loans | -0.0228% | 4,623 |
| Credit loss provision to net charge-offs | -142.8571% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1734% | 5,188 |
| Assets per employee ($millions) | 3.7797% | 4,311 |
| Cash dividends to net income (ytd only)* | 82.6848% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,438 |
| Loan loss allowance to noncurrent loans | 76.0270% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 1,534 |
| Noncurrent loans to loans | 1.4369% | 1,235 |
| Net loans and leases to total assets | 70.3538% | 2,419 |
| Net loans and leases to deposits | 79.3732% | 2,881 |
| Net loans and leases to core deposits | 83.2219% | 3,037 |
| Total domestic deposits to total assets | 88.6367% | 1,292 |
| Equity capital to assets | 11.1568% | 2,422 |
| Core capital (leverage) ratio | 10.9779% | 2,461 |
| Tier 1 risk-based capital ratio | 14.3612% | 3,189 |
| Total risk-based capital ratio | 15.3814% | 3,236 |
| Memoranda: | ||
| Average total assets | $173,104,500 | 3,207 |
| Average earning assets | $156,186,500 | 3,251 |
| Average equity | $19,344,500 | 3,218 |
| Average total loans | $122,758,000 | 3,029 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 2,097 |
| Cost of funding earning assets | 0.2093% | 4,872 |
| Net interest margin | 4.1659% | 1,263 |
| Noninterest income to average assets | 0.8412% | 1,434 |
| Noninterest expense to average assets | 2.5852% | 3,490 |
| Loan and lease loss provision to assets | 0.0507% | 3,204 |
| Net operating income to assets | 1.9548% | 309 |
| Return on assets (ROA) | 1.9548% | 312 |
| Pretax return on assets | 1.9650% | 529 |
| Return on Equity (ROE) | 17.9764% | 306 |
| Retained earnings to average equity (ytd only) | 2.4214% | 3,881 |
| Net charge-offs to loans | 0.1326% | 1,730 |
| Credit loss provision to net charge-offs | 54.2169% | 3,279 |
| Earnings coverage of net charge-offs (x) | 21.5361% | 1,897 |
| Efficiency ratio | 55.1225% | 4,850 |
| Assets per employee ($millions) | 3.5172% | 4,672 |
| Cash dividends to net income (ytd only)* | 86.5301% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,385 |
| Loan loss allowance to noncurrent loans | 44.5856% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.7361% | 726 |
| Noncurrent loans to loans | 2.4556% | 551 |
| Net loans and leases to total assets | 69.9243% | 2,528 |
| Net loans and leases to deposits | 78.9141% | 3,022 |
| Net loans and leases to core deposits | 83.0026% | 3,152 |
| Total domestic deposits to total assets | 88.6081% | 1,191 |
| Equity capital to assets | 11.1934% | 2,434 |
| Core capital (leverage) ratio | 11.1101% | 2,242 |
| Tier 1 risk-based capital ratio | 14.3409% | 3,179 |
| Total risk-based capital ratio | 15.3568% | 3,205 |
| Memoranda: | ||
| Average total assets | $177,356,600 | 3,153 |
| Average earning assets | $160,063,200 | 3,198 |
| Average equity | $19,286,400 | 3,218 |
| Average total loans | $125,182,800 | 2,986 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,110 |
| Cost of funding earning assets | 0.1999% | 4,977 |
| Net interest margin | 4.1499% | 1,276 |
| Noninterest income to average assets | 0.8368% | 1,456 |
| Noninterest expense to average assets | 2.3283% | 4,220 |
| Loan and lease loss provision to assets | 0.0336% | 3,447 |
| Net operating income to assets | 2.2156% | 207 |
| Return on assets (ROA) | 2.2156% | 209 |
| Pretax return on assets | 2.2260% | 345 |
| Return on Equity (ROE) | 20.5195% | 200 |
| Retained earnings to average equity (ytd only) | 4.9639% | 2,913 |
| Net charge-offs to loans | 0.0190% | 3,110 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 168.1625% | 501 |
| Efficiency ratio | 49.6746% | 5,267 |
| Assets per employee ($millions) | 3.7563% | 4,362 |
| Cash dividends to net income (ytd only)* | 75.8088% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,239 |
| Loan loss allowance to noncurrent loans | 62.2887% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.3648% | 1,150 |
| Noncurrent loans to loans | 1.8336% | 970 |
| Net loans and leases to total assets | 73.5825% | 1,982 |
| Net loans and leases to deposits | 83.4315% | 2,619 |
| Net loans and leases to core deposits | 87.8630% | 2,786 |
| Total domestic deposits to total assets | 88.1951% | 1,264 |
| Equity capital to assets | 11.6238% | 2,255 |
| Core capital (leverage) ratio | 11.1376% | 2,338 |
| Tier 1 risk-based capital ratio | 14.2554% | 3,325 |
| Total risk-based capital ratio | 15.3302% | 3,317 |
| Memoranda: | ||
| Average total assets | $178,610,250 | 3,158 |
| Average earning assets | $161,444,750 | 3,210 |
| Average equity | $19,285,250 | 3,243 |
| Average total loans | $126,017,750 | 2,998 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 2,228 |
| Cost of funding earning assets | 0.1912% | 5,056 |
| Net interest margin | 4.0770% | 1,391 |
| Noninterest income to average assets | 0.8493% | 1,417 |
| Noninterest expense to average assets | 2.3454% | 4,226 |
| Loan and lease loss provision to assets | 0.0330% | 3,330 |
| Net operating income to assets | 2.1430% | 242 |
| Return on assets (ROA) | 2.1430% | 246 |
| Pretax return on assets | 2.1529% | 393 |
| Return on Equity (ROE) | 20.3294% | 208 |
| Retained earnings to average equity (ytd only) | 4.6754% | 2,931 |
| Net charge-offs to loans | 0.0317% | 2,569 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 99.3500% | 657 |
| Efficiency ratio | 50.6919% | 5,263 |
| Assets per employee ($millions) | 3.8501% | 4,203 |
| Cash dividends to net income (ytd only)* | 77.0021% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,521 |
| Loan loss allowance to noncurrent loans | 110.5919% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 2,342 |
| Noncurrent loans to loans | 1.0049% | 1,951 |
| Net loans and leases to total assets | 72.9279% | 2,055 |
| Net loans and leases to deposits | 82.2915% | 2,672 |
| Net loans and leases to core deposits | 85.6415% | 2,915 |
| Total domestic deposits to total assets | 88.6215% | 1,146 |
| Equity capital to assets | 11.1985% | 2,593 |
| Core capital (leverage) ratio | 10.9286% | 2,479 |
| Tier 1 risk-based capital ratio | 13.7732% | 3,551 |
| Total risk-based capital ratio | 14.8154% | 3,579 |
| Memoranda: | ||
| Average total assets | $181,803,000 | 3,135 |
| Average earning assets | $164,191,000 | 3,187 |
| Average equity | $19,164,330 | 3,254 |
| Average total loans | $126,085,330 | 3,007 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,486 |
| Cost of funding earning assets | 0.1933% | 5,032 |
| Net interest margin | 3.9537% | 1,594 |
| Noninterest income to average assets | 0.8362% | 1,445 |
| Noninterest expense to average assets | 2.1389% | 4,775 |
| Loan and lease loss provision to assets | 0.0322% | 3,141 |
| Net operating income to assets | 2.2163% | 219 |
| Return on assets (ROA) | 2.2163% | 223 |
| Pretax return on assets | 2.2270% | 340 |
| Return on Equity (ROE) | 21.6534% | 160 |
| Retained earnings to average equity (ytd only) | 5.9017% | 2,391 |
| Net charge-offs to loans | 0.0671% | 1,660 |
| Credit loss provision to net charge-offs | 71.4286% | 1,823 |
| Earnings coverage of net charge-offs (x) | 50.0476% | 894 |
| Efficiency ratio | 47.5562% | 5,486 |
| Assets per employee ($millions) | 3.9533% | 4,090 |
| Cash dividends to net income (ytd only)* | 72.7449% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,538 |
| Loan loss allowance to noncurrent loans | 161.3793% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 3,269 |
| Noncurrent loans to loans | 0.6981% | 2,753 |
| Net loans and leases to total assets | 69.2618% | 2,495 |
| Net loans and leases to deposits | 77.8070% | 2,998 |
| Net loans and leases to core deposits | 80.8748% | 3,214 |
| Total domestic deposits to total assets | 89.0174% | 1,129 |
| Equity capital to assets | 10.7983% | 2,857 |
| Core capital (leverage) ratio | 10.4811% | 2,926 |
| Tier 1 risk-based capital ratio | 14.0652% | 3,435 |
| Total risk-based capital ratio | 15.1280% | 3,468 |
| Memoranda: | ||
| Average total assets | $186,076,500 | 3,131 |
| Average earning assets | $167,639,500 | 3,164 |
| Average equity | $19,045,500 | 3,282 |
| Average total loans | $125,242,000 | 3,036 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,380 |
| Cost of funding earning assets | 0.2047% | 4,972 |
| Net interest margin | 4.0271% | 1,567 |
| Noninterest income to average assets | 0.7838% | 1,810 |
| Noninterest expense to average assets | 2.5008% | 4,008 |
| Loan and lease loss provision to assets | 0.0545% | 3,288 |
| Net operating income to assets | 1.8441% | 407 |
| Return on assets (ROA) | 1.8441% | 423 |
| Pretax return on assets | 1.8556% | 684 |
| Return on Equity (ROE) | 17.8490% | 336 |
| Retained earnings to average equity (ytd only) | 2.0114% | 4,398 |
| Net charge-offs to loans | 0.4744% | 524 |
| Credit loss provision to net charge-offs | 16.6113% | 3,700 |
| Earnings coverage of net charge-offs (x) | 5.8173% | 3,279 |
| Efficiency ratio | 55.6201% | 5,096 |
| Assets per employee ($millions) | 4.3168% | 3,414 |
| Cash dividends to net income (ytd only)* | 88.7311% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,607 |
| Loan loss allowance to noncurrent loans | 566.2651% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 4,799 |
| Noncurrent loans to loans | 0.1978% | 4,445 |
| Net loans and leases to total assets | 64.0677% | 3,351 |
| Net loans and leases to deposits | 71.0630% | 3,806 |
| Net loans and leases to core deposits | 73.6994% | 3,943 |
| Total domestic deposits to total assets | 90.1562% | 578 |
| Equity capital to assets | 9.7197% | 4,042 |
| Core capital (leverage) ratio | 10.0039% | 3,475 |
| Tier 1 risk-based capital ratio | 13.2208% | 3,939 |
| Total risk-based capital ratio | 14.2400% | 3,988 |
| Memoranda: | ||
| Average total assets | $183,338,400 | 3,131 |
| Average earning assets | $165,131,200 | 3,170 |
| Average equity | $18,942,200 | 3,276 |
| Average total loans | $126,897,000 | 2,964 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,209 |
| Cost of funding earning assets | 0.2020% | 5,049 |
| Net interest margin | 4.0831% | 1,426 |
| Noninterest income to average assets | 0.7936% | 1,789 |
| Noninterest expense to average assets | 2.3040% | 4,523 |
| Loan and lease loss provision to assets | 0.0517% | 3,217 |
| Net operating income to assets | 2.1128% | 287 |
| Return on assets (ROA) | 2.1128% | 297 |
| Pretax return on assets | 2.1246% | 443 |
| Return on Equity (ROE) | 20.1287% | 235 |
| Retained earnings to average equity (ytd only) | 4.3043% | 3,256 |
| Net charge-offs to loans | 0.6323% | 323 |
| Credit loss provision to net charge-offs | 11.6086% | 3,357 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 3,205 |
| Efficiency ratio | 50.3378% | 5,480 |
| Assets per employee ($millions) | 3.9766% | 4,008 |
| Cash dividends to net income (ytd only)* | 78.6166% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,972 |
| Loan loss allowance to noncurrent loans | 555.6452% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 4,879 |
| Noncurrent loans to loans | 0.1937% | 4,574 |
| Net loans and leases to total assets | 70.7640% | 2,380 |
| Net loans and leases to deposits | 79.4407% | 3,028 |
| Net loans and leases to core deposits | 82.6917% | 3,231 |
| Total domestic deposits to total assets | 89.0778% | 865 |
| Equity capital to assets | 10.7864% | 3,257 |
| Core capital (leverage) ratio | 10.1891% | 3,344 |
| Tier 1 risk-based capital ratio | 13.1700% | 4,053 |
| Total risk-based capital ratio | 14.1509% | 4,137 |
| Memoranda: | ||
| Average total assets | $180,609,500 | 3,169 |
| Average earning assets | $163,073,000 | 3,203 |
| Average equity | $18,957,500 | 3,301 |
| Average total loans | $127,155,250 | 2,968 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,464 |
| Cost of funding earning assets | 0.2051% | 5,089 |
| Net interest margin | 4.0109% | 1,611 |
| Noninterest income to average assets | 0.7871% | 1,773 |
| Noninterest expense to average assets | 2.2355% | 4,764 |
| Loan and lease loss provision to assets | 0.0442% | 3,267 |
| Net operating income to assets | 2.1229% | 262 |
| Return on assets (ROA) | 2.1229% | 276 |
| Pretax return on assets | 2.1351% | 435 |
| Return on Equity (ROE) | 20.4111% | 226 |
| Retained earnings to average equity (ytd only) | 4.4898% | 3,056 |
| Net charge-offs to loans | 0.6810% | 301 |
| Credit loss provision to net charge-offs | 9.2593% | 2,999 |
| Earnings coverage of net charge-offs (x) | 4.5694% | 2,974 |
| Efficiency ratio | 49.5374% | 5,592 |
| Assets per employee ($millions) | 4.0689% | 3,785 |
| Cash dividends to net income (ytd only)* | 78.0031% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,310 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 4,094 |
| Noncurrent loans to loans | 0.5093% | 3,557 |
| Net loans and leases to total assets | 67.8043% | 2,808 |
| Net loans and leases to deposits | 76.0436% | 3,375 |
| Net loans and leases to core deposits | 79.3023% | 3,522 |
| Total domestic deposits to total assets | 89.1651% | 839 |
| Equity capital to assets | 10.4488% | 3,695 |
| Core capital (leverage) ratio | 9.9021% | 3,679 |
| Tier 1 risk-based capital ratio | 13.5323% | 3,877 |
| Total risk-based capital ratio | 14.6569% | 3,874 |
| Memoranda: | ||
| Average total assets | $181,163,670 | 3,185 |
| Average earning assets | $163,852,670 | 3,222 |
| Average equity | $18,842,670 | 3,323 |
| Average total loans | $126,871,000 | 2,985 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 2,396 |
| Cost of funding earning assets | 0.2133% | 5,069 |
| Net interest margin | 4.0095% | 1,584 |
| Noninterest income to average assets | 0.7525% | 1,810 |
| Noninterest expense to average assets | 2.3530% | 4,511 |
| Loan and lease loss provision to assets | 0.0333% | 3,214 |
| Net operating income to assets | 1.9823% | 345 |
| Return on assets (ROA) | 1.9823% | 364 |
| Pretax return on assets | 1.9956% | 576 |
| Return on Equity (ROE) | 19.1036% | 286 |
| Retained earnings to average equity (ytd only) | 3.0592% | 3,980 |
| Net charge-offs to loans | 0.1161% | 1,420 |
| Credit loss provision to net charge-offs | 40.5405% | 2,141 |
| Earnings coverage of net charge-offs (x) | 24.7027% | 1,322 |
| Efficiency ratio | 52.6342% | 5,476 |
| Assets per employee ($millions) | 4.0215% | 3,909 |
| Cash dividends to net income (ytd only)* | 83.9866% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 2,026 |
| Loan loss allowance to noncurrent loans | 55.8346% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.8705% | 972 |
| Noncurrent loans to loans | 2.6708% | 672 |
| Net loans and leases to total assets | 68.9903% | 2,501 |
| Net loans and leases to deposits | 77.4097% | 3,063 |
| Net loans and leases to core deposits | 80.7480% | 3,259 |
| Total domestic deposits to total assets | 89.1236% | 1,038 |
| Equity capital to assets | 10.3946% | 3,624 |
| Core capital (leverage) ratio | 9.8042% | 3,769 |
| Tier 1 risk-based capital ratio | 13.0686% | 4,222 |
| Total risk-based capital ratio | 14.3201% | 4,137 |
| Memoranda: | ||
| Average total assets | $180,194,500 | 3,200 |
| Average earning assets | $163,114,000 | 3,241 |
| Average equity | $18,698,000 | 3,343 |
| Average total loans | $127,471,000 | 2,976 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 2,736 |
| Cost of funding earning assets | 0.2153% | 5,136 |
| Net interest margin | 3.9351% | 1,913 |
| Noninterest income to average assets | 0.7119% | 2,146 |
| Noninterest expense to average assets | 2.3278% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9233% | 391 |
| Return on assets (ROA) | 1.9233% | 403 |
| Pretax return on assets | 1.9338% | 622 |
| Return on Equity (ROE) | 16.5874% | 496 |
| Retained earnings to average equity (ytd only) | 2.2302% | 4,451 |
| Net charge-offs to loans | 0.0929% | 2,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 28.8017% | 1,495 |
| Efficiency ratio | 54.0625% | 5,518 |
| Assets per employee ($millions) | 3.9871% | 3,962 |
| Cash dividends to net income (ytd only)* | 86.5551% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 2,049 |
| Loan loss allowance to noncurrent loans | 460.7229% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 4,671 |
| Noncurrent loans to loans | 0.3237% | 4,298 |
| Net loans and leases to total assets | 70.3874% | 2,309 |
| Net loans and leases to deposits | 78.9262% | 2,949 |
| Net loans and leases to core deposits | 80.1245% | 3,333 |
| Total domestic deposits to total assets | 89.1813% | 1,029 |
| Equity capital to assets | 10.3584% | 3,562 |
| Core capital (leverage) ratio | 10.0392% | 3,457 |
| Tier 1 risk-based capital ratio | 12.9657% | 4,346 |
| Total risk-based capital ratio | 14.2168% | 4,249 |
| Memoranda: | ||
| Average total assets | $180,214,400 | 3,171 |
| Average earning assets | $162,563,600 | 3,220 |
| Average equity | $20,895,400 | 3,083 |
| Average total loans | $130,277,000 | 2,884 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 1,567 |
| Cost of funding earning assets | 0.2540% | 4,831 |
| Net interest margin | 4.2553% | 1,048 |
| Noninterest income to average assets | 0.7420% | 2,058 |
| Noninterest expense to average assets | 2.6738% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8986% | 426 |
| Return on assets (ROA) | 2.1003% | 324 |
| Pretax return on assets | 2.1077% | 492 |
| Return on Equity (ROE) | 17.6465% | 426 |
| Retained earnings to average equity (ytd only) | 3.6758% | 3,850 |
| Net charge-offs to loans | -0.0326% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0281% | 5,115 |
| Assets per employee ($millions) | 3.7869% | 4,291 |
| Cash dividends to net income (ytd only)* | 79.1697% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,685 |
| Loan loss allowance to noncurrent loans | 329.3461% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 4,295 |
| Noncurrent loans to loans | 0.4941% | 3,867 |
| Net loans and leases to total assets | 73.2580% | 1,861 |
| Net loans and leases to deposits | 82.6989% | 2,564 |
| Net loans and leases to core deposits | 86.3334% | 2,817 |
| Total domestic deposits to total assets | 88.5840% | 1,254 |
| Equity capital to assets | 10.9800% | 3,049 |
| Core capital (leverage) ratio | 10.0973% | 3,504 |
| Tier 1 risk-based capital ratio | 13.1765% | 4,336 |
| Total risk-based capital ratio | 14.4292% | 4,256 |
| Memoranda: | ||
| Average total assets | $180,413,000 | 3,186 |
| Average earning assets | $162,712,500 | 3,243 |
| Average equity | $21,473,000 | 3,049 |
| Average total loans | $130,796,000 | 2,893 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,028 |
| Cost of funding earning assets | 0.2313% | 5,130 |
| Net interest margin | 4.4904% | 654 |
| Noninterest income to average assets | 0.8196% | 1,701 |
| Noninterest expense to average assets | 2.4340% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.3843% | 198 |
| Return on assets (ROA) | 2.3843% | 209 |
| Pretax return on assets | 2.3961% | 288 |
| Return on Equity (ROE) | 19.9373% | 270 |
| Retained earnings to average equity (ytd only) | 3.5415% | 3,773 |
| Net charge-offs to loans | -0.0506% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3924% | 5,830 |
| Assets per employee ($millions) | 3.7171% | 4,388 |
| Cash dividends to net income (ytd only)* | 82.2368% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 1,424 |
| Loan loss allowance to noncurrent loans | 683.1126% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 5,055 |
| Noncurrent loans to loans | 0.2596% | 4,748 |
| Net loans and leases to total assets | 76.8611% | 1,247 |
| Net loans and leases to deposits | 87.9531% | 1,842 |
| Net loans and leases to core deposits | 93.3966% | 2,015 |
| Total domestic deposits to total assets | 87.3888% | 1,970 |
| Equity capital to assets | 12.4021% | 1,719 |
| Core capital (leverage) ratio | 12.4291% | 1,416 |
| Tier 1 risk-based capital ratio | 15.0661% | 3,319 |
| Total risk-based capital ratio | 16.3216% | 3,259 |
| Memoranda: | ||
| Average total assets | $153,001,670 | 3,581 |
| Average earning assets | $136,646,670 | 3,648 |
| Average equity | $18,297,330 | 3,382 |
| Average total loans | $118,466,000 | 3,113 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 1,171 |
| Cost of funding earning assets | 0.2315% | 5,197 |
| Net interest margin | 4.3931% | 742 |
| Noninterest income to average assets | 0.7734% | 1,818 |
| Noninterest expense to average assets | 2.2815% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.3924% | 183 |
| Return on assets (ROA) | 2.3924% | 194 |
| Pretax return on assets | 2.4053% | 275 |
| Return on Equity (ROE) | 20.3665% | 255 |
| Retained earnings to average equity (ytd only) | 3.9065% | 3,656 |
| Net charge-offs to loans | -0.1037% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6799% | 5,987 |
| Assets per employee ($millions) | 4.1694% | 3,616 |
| Cash dividends to net income (ytd only)* | 80.8190% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 1,610 |
| Loan loss allowance to noncurrent loans | 177.6248% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 3,175 |
| Noncurrent loans to loans | 0.9859% | 2,798 |
| Net loans and leases to total assets | 77.1472% | 1,037 |
| Net loans and leases to deposits | 88.0325% | 1,606 |
| Net loans and leases to core deposits | 93.1841% | 1,836 |
| Total domestic deposits to total assets | 87.6349% | 2,025 |
| Equity capital to assets | 12.2159% | 1,883 |
| Core capital (leverage) ratio | 11.5298% | 1,979 |
| Tier 1 risk-based capital ratio | 14.7666% | 3,566 |
| Total risk-based capital ratio | 16.0215% | 3,488 |
| Memoranda: | ||
| Average total assets | $155,160,000 | 3,573 |
| Average earning assets | $138,217,500 | 3,650 |
| Average equity | $18,226,000 | 3,415 |
| Average total loans | $119,527,000 | 3,103 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 782 |
| Cost of funding earning assets | 0.2810% | 4,993 |
| Net interest margin | 4.7138% | 509 |
| Noninterest income to average assets | 1.3722% | 653 |
| Noninterest expense to average assets | 2.6514% | 4,043 |
| Loan and lease loss provision to assets | 0.3666% | 510 |
| Net operating income to assets | 2.4720% | 154 |
| Return on assets (ROA) | 2.4720% | 158 |
| Pretax return on assets | 2.4831% | 195 |
| Return on Equity (ROE) | 21.0264% | 207 |
| Retained earnings to average equity (ytd only) | 3.2074% | 3,955 |
| Net charge-offs to loans | -0.0100% | 5,560 |
| Credit loss provision to net charge-offs | -4,666.6667% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1971% | 6,179 |
| Assets per employee ($millions) | 4.1082% | 3,707 |
| Cash dividends to net income (ytd only)* | 84.7458% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 1,831 |
| Loan loss allowance to noncurrent loans | 172.5806% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 3,368 |
| Noncurrent loans to loans | 0.9720% | 2,891 |
| Net loans and leases to total assets | 74.3721% | 1,521 |
| Net loans and leases to deposits | 83.9733% | 2,221 |
| Net loans and leases to core deposits | 89.2036% | 2,362 |
| Total domestic deposits to total assets | 88.5663% | 1,482 |
| Equity capital to assets | 11.3070% | 2,599 |
| Core capital (leverage) ratio | 11.5633% | 1,932 |
| Tier 1 risk-based capital ratio | 14.1937% | 3,971 |
| Total risk-based capital ratio | 15.4480% | 3,899 |
| Memoranda: | ||
| Average total assets | $152,751,000 | 3,588 |
| Average earning assets | $133,799,800 | 3,698 |
| Average equity | $17,958,400 | 3,404 |
| Average total loans | $120,459,000 | 3,028 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 611 |
| Cost of funding earning assets | 0.3018% | 4,872 |
| Net interest margin | 4.8203% | 412 |
| Noninterest income to average assets | 1.4952% | 562 |
| Noninterest expense to average assets | 2.5679% | 4,294 |
| Loan and lease loss provision to assets | 0.0398% | 3,617 |
| Net operating income to assets | 3.0822% | 92 |
| Return on assets (ROA) | 3.0822% | 91 |
| Pretax return on assets | 3.0937% | 106 |
| Return on Equity (ROE) | 25.9532% | 87 |
| Retained earnings to average equity (ytd only) | 8.8396% | 1,048 |
| Net charge-offs to loans | 0.0055% | 4,502 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 708.8276% | 106 |
| Efficiency ratio | 45.0403% | 6,323 |
| Assets per employee ($millions) | 3.8446% | 4,206 |
| Cash dividends to net income (ytd only)* | 65.9404% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 4,016 |
| Loan loss allowance to noncurrent loans | 55.9493% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7881% | 1,669 |
| Noncurrent loans to loans | 2.2176% | 1,364 |
| Net loans and leases to total assets | 79.6302% | 752 |
| Net loans and leases to deposits | 91.1510% | 1,305 |
| Net loans and leases to core deposits | 98.6418% | 1,478 |
| Total domestic deposits to total assets | 87.3608% | 2,114 |
| Equity capital to assets | 12.4652% | 1,723 |
| Core capital (leverage) ratio | 12.1966% | 1,578 |
| Tier 1 risk-based capital ratio | 14.7752% | 3,714 |
| Total risk-based capital ratio | 15.9614% | 3,694 |
| Memoranda: | ||
| Average total assets | $150,883,750 | 3,644 |
| Average earning assets | $131,661,000 | 3,754 |
| Average equity | $17,919,000 | 3,428 |
| Average total loans | $120,275,750 | 3,048 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 611 |
| Cost of funding earning assets | 0.3061% | 4,913 |
| Net interest margin | 4.8008% | 412 |
| Noninterest income to average assets | 0.9087% | 1,470 |
| Noninterest expense to average assets | 2.4392% | 4,771 |
| Loan and lease loss provision to assets | 0.0397% | 3,513 |
| Net operating income to assets | 2.5675% | 127 |
| Return on assets (ROA) | 2.5675% | 131 |
| Pretax return on assets | 2.5794% | 186 |
| Return on Equity (ROE) | 21.9794% | 199 |
| Retained earnings to average equity (ytd only) | 4.9938% | 2,960 |
| Net charge-offs to loans | 0.0067% | 4,149 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 143 |
| Efficiency ratio | 48.2218% | 6,281 |
| Assets per employee ($millions) | 3.8954% | 4,067 |
| Cash dividends to net income (ytd only)* | 77.2798% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 4,315 |
| Loan loss allowance to noncurrent loans | 393.1217% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 3,968 |
| Noncurrent loans to loans | 0.3112% | 5,082 |
| Net loans and leases to total assets | 76.9927% | 1,051 |
| Net loans and leases to deposits | 87.1568% | 1,687 |
| Net loans and leases to core deposits | 94.6433% | 1,723 |
| Total domestic deposits to total assets | 88.3382% | 1,714 |
| Equity capital to assets | 11.5168% | 2,414 |
| Core capital (leverage) ratio | 11.7736% | 1,807 |
| Tier 1 risk-based capital ratio | 13.9095% | 4,316 |
| Total risk-based capital ratio | 15.0626% | 4,334 |
| Memoranda: | ||
| Average total assets | $151,199,000 | 3,660 |
| Average earning assets | $130,685,670 | 3,794 |
| Average equity | $17,662,000 | 3,456 |
| Average total loans | $120,069,000 | 3,059 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 604 |
| Cost of funding earning assets | 0.3170% | 4,896 |
| Net interest margin | 4.7742% | 401 |
| Noninterest income to average assets | 0.8892% | 1,429 |
| Noninterest expense to average assets | 2.4985% | 4,629 |
| Loan and lease loss provision to assets | 0.0403% | 3,277 |
| Net operating income to assets | 2.4770% | 150 |
| Return on assets (ROA) | 2.4770% | 159 |
| Pretax return on assets | 2.4770% | 229 |
| Return on Equity (ROE) | 21.0496% | 242 |
| Retained earnings to average equity (ytd only) | 3.9268% | 3,757 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8125% | 6,265 |
| Assets per employee ($millions) | 3.7090% | 4,500 |
| Cash dividends to net income (ytd only)* | 81.3449% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 4,445 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 3,418 |
| Noncurrent loans to loans | 0.5156% | 4,625 |
| Net loans and leases to total assets | 79.4070% | 615 |
| Net loans and leases to deposits | 90.3083% | 1,112 |
| Net loans and leases to core deposits | 97.4651% | 1,281 |
| Total domestic deposits to total assets | 87.9288% | 2,271 |
| Equity capital to assets | 11.8771% | 1,952 |
| Core capital (leverage) ratio | 11.8564% | 1,730 |
| Tier 1 risk-based capital ratio | 13.9307% | 4,370 |
| Total risk-based capital ratio | 15.0945% | 4,389 |
| Memoranda: | ||
| Average total assets | $148,890,500 | 3,715 |
| Average earning assets | $128,693,000 | 3,873 |
| Average equity | $17,520,500 | 3,477 |
| Average total loans | $119,377,000 | 3,081 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 613 |
| Cost of funding earning assets | 0.4008% | 4,647 |
| Net interest margin | 4.8178% | 417 |
| Noninterest income to average assets | 0.9574% | 1,505 |
| Noninterest expense to average assets | 2.8669% | 3,469 |
| Loan and lease loss provision to assets | 0.0971% | 3,183 |
| Net operating income to assets | 2.0709% | 298 |
| Return on assets (ROA) | 2.0709% | 301 |
| Pretax return on assets | 2.0709% | 411 |
| Return on Equity (ROE) | 17.9227% | 415 |
| Retained earnings to average equity (ytd only) | -3.2881% | 6,283 |
| Net charge-offs to loans | 0.2324% | 2,595 |
| Credit loss provision to net charge-offs | 55.0186% | 3,704 |
| Earnings coverage of net charge-offs (x) | 12.2825% | 2,136 |
| Efficiency ratio | 56.9399% | 5,860 |
| Assets per employee ($millions) | 3.7355% | 4,397 |
| Cash dividends to net income (ytd only)* | 118.3460% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 4,530 |
| Loan loss allowance to noncurrent loans | 103.5436% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 2,574 |
| Noncurrent loans to loans | 1.1811% | 3,183 |
| Net loans and leases to total assets | 78.9774% | 721 |
| Net loans and leases to deposits | 89.5662% | 1,274 |
| Net loans and leases to core deposits | 96.7469% | 1,401 |
| Total domestic deposits to total assets | 88.1776% | 2,073 |
| Equity capital to assets | 11.6584% | 2,056 |
| Core capital (leverage) ratio | 12.0654% | 1,560 |
| Tier 1 risk-based capital ratio | 13.7546% | 4,476 |
| Total risk-based capital ratio | 14.9032% | 4,496 |
| Memoranda: | ||
| Average total assets | $152,396,800 | 3,668 |
| Average earning assets | $128,979,800 | 3,868 |
| Average equity | $17,609,000 | 3,482 |
| Average total loans | $115,738,000 | 3,134 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 642 |
| Cost of funding earning assets | 0.4190% | 4,633 |
| Net interest margin | 4.7825% | 447 |
| Noninterest income to average assets | 0.9655% | 1,561 |
| Noninterest expense to average assets | 2.6981% | 4,025 |
| Loan and lease loss provision to assets | 0.0218% | 4,569 |
| Net operating income to assets | 2.2898% | 221 |
| Return on assets (ROA) | 2.2898% | 232 |
| Pretax return on assets | 2.2898% | 327 |
| Return on Equity (ROE) | 19.8603% | 308 |
| Retained earnings to average equity (ytd only) | -7.0228% | 6,574 |
| Net charge-offs to loans | -0.0023% | 5,695 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8582% | 6,111 |
| Assets per employee ($millions) | 3.8025% | 4,236 |
| Cash dividends to net income (ytd only)* | 135.3612% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 3,920 |
| Loan loss allowance to noncurrent loans | 302.4436% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 3,813 |
| Noncurrent loans to loans | 0.4611% | 5,038 |
| Net loans and leases to total assets | 78.7254% | 679 |
| Net loans and leases to deposits | 89.4244% | 1,228 |
| Net loans and leases to core deposits | 103.3648% | 912 |
| Total domestic deposits to total assets | 88.0357% | 2,111 |
| Equity capital to assets | 11.8384% | 2,018 |
| Core capital (leverage) ratio | 11.4770% | 2,059 |
| Tier 1 risk-based capital ratio | 13.7888% | 4,575 |
| Total risk-based capital ratio | 15.0395% | 4,529 |
| Memoranda: | ||
| Average total assets | $153,141,000 | 3,690 |
| Average earning assets | $129,497,000 | 3,894 |
| Average equity | $17,656,250 | 3,512 |
| Average total loans | $114,805,250 | 3,168 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 659 |
| Cost of funding earning assets | 0.4355% | 4,599 |
| Net interest margin | 4.7452% | 468 |
| Noninterest income to average assets | 0.9781% | 1,584 |
| Noninterest expense to average assets | 2.6381% | 4,256 |
| Loan and lease loss provision to assets | 0.0320% | 4,288 |
| Net operating income to assets | 2.2881% | 224 |
| Return on assets (ROA) | 2.2881% | 234 |
| Pretax return on assets | 2.2881% | 354 |
| Return on Equity (ROE) | 20.0116% | 298 |
| Retained earnings to average equity (ytd only) | -5.8858% | 6,509 |
| Net charge-offs to loans | 0.0227% | 4,384 |
| Credit loss provision to net charge-offs | 192.3077% | 1,238 |
| Earnings coverage of net charge-offs (x) | 139.2308% | 355 |
| Efficiency ratio | 53.2058% | 6,204 |
| Assets per employee ($millions) | 3.9764% | 3,861 |
| Cash dividends to net income (ytd only)* | 129.4118% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 3,994 |
| Loan loss allowance to noncurrent loans | 245.9877% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 3,852 |
| Noncurrent loans to loans | 0.5728% | 4,828 |
| Net loans and leases to total assets | 73.8139% | 1,281 |
| Net loans and leases to deposits | 83.6565% | 1,845 |
| Net loans and leases to core deposits | 90.4480% | 1,869 |
| Total domestic deposits to total assets | 88.2345% | 2,088 |
| Equity capital to assets | 11.6258% | 2,192 |
| Core capital (leverage) ratio | 11.1870% | 2,183 |
| Tier 1 risk-based capital ratio | 14.2552% | 4,255 |
| Total risk-based capital ratio | 15.5061% | 4,207 |
| Memoranda: | ||
| Average total assets | $156,022,670 | 3,670 |
| Average earning assets | $130,870,330 | 3,887 |
| Average equity | $17,839,670 | 3,510 |
| Average total loans | $114,619,000 | 3,174 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2130% | 592 |
| Cost of funding earning assets | 0.4119% | 4,990 |
| Net interest margin | 4.8011% | 402 |
| Noninterest income to average assets | 1.2576% | 968 |
| Noninterest expense to average assets | 2.7675% | 3,807 |
| Loan and lease loss provision to assets | 0.0548% | 3,718 |
| Net operating income to assets | 2.5262% | 157 |
| Return on assets (ROA) | 2.5262% | 168 |
| Pretax return on assets | 2.5262% | 260 |
| Return on Equity (ROE) | 21.9200% | 200 |
| Retained earnings to average equity (ytd only) | -17.7327% | 6,806 |
| Net charge-offs to loans | -0.0047% | 5,255 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7430% | 6,397 |
| Assets per employee ($millions) | 3.6076% | 4,766 |
| Cash dividends to net income (ytd only)* | 180.8973% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 4,930 |
| Loan loss allowance to noncurrent loans | 227.9915% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1836% | 3,591 |
| Noncurrent loans to loans | 0.5492% | 5,065 |
| Net loans and leases to total assets | 77.7477% | 643 |
| Net loans and leases to deposits | 87.9477% | 1,153 |
| Net loans and leases to core deposits | 97.2999% | 1,128 |
| Total domestic deposits to total assets | 88.4022% | 2,066 |
| Equity capital to assets | 11.3899% | 2,536 |
| Core capital (leverage) ratio | 11.1936% | 2,103 |
| Tier 1 risk-based capital ratio | 13.4949% | 4,876 |
| Total risk-based capital ratio | 14.6549% | 4,892 |
| Memoranda: | ||
| Average total assets | $109,413,500 | 4,623 |
| Average earning assets | $93,229,000 | 4,819 |
| Average equity | $12,609,500 | 4,449 |
| Average total loans | $84,589,000 | 3,881 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7268% | 416 |
| Cost of funding earning assets | 0.5697% | 4,652 |
| Net interest margin | 5.1572% | 294 |
| Noninterest income to average assets | 1.3434% | 856 |
| Noninterest expense to average assets | 2.9974% | 3,288 |
| Loan and lease loss provision to assets | 0.0238% | 5,597 |
| Net operating income to assets | 2.6943% | 123 |
| Return on assets (ROA) | 2.6943% | 134 |
| Pretax return on assets | 2.7086% | 193 |
| Return on Equity (ROE) | 23.1009% | 175 |
| Retained earnings to average equity (ytd only) | 9.4570% | 706 |
| Net charge-offs to loans | -0.0301% | 6,614 |
| Credit loss provision to net charge-offs | -100.0000% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3130% | 6,440 |
| Assets per employee ($millions) | 3.8138% | 4,339 |
| Cash dividends to net income (ytd only)* | 59.0621% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,865 |
| Loan loss allowance to noncurrent loans | 875.8333% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 4,244 |
| Noncurrent loans to loans | 0.1429% | 6,128 |
| Net loans and leases to total assets | 74.9693% | 1,057 |
| Net loans and leases to deposits | 84.9967% | 1,641 |
| Net loans and leases to core deposits | 92.6809% | 1,580 |
| Total domestic deposits to total assets | 88.2025% | 2,091 |
| Equity capital to assets | 11.6564% | 2,297 |
| Core capital (leverage) ratio | 12.2695% | 1,416 |
| Tier 1 risk-based capital ratio | 14.2237% | 4,223 |
| Total risk-based capital ratio | 15.3752% | 4,249 |
| Memoranda: | ||
| Average total assets | $105,257,400 | 4,700 |
| Average earning assets | $89,526,000 | 4,881 |
| Average equity | $12,276,600 | 4,508 |
| Average total loans | $83,163,800 | 3,935 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 386 |
| Cost of funding earning assets | 0.6026% | 4,619 |
| Net interest margin | 5.2214% | 284 |
| Noninterest income to average assets | 1.3677% | 796 |
| Noninterest expense to average assets | 3.0535% | 3,045 |
| Loan and lease loss provision to assets | 0.0321% | 5,376 |
| Net operating income to assets | 2.7366% | 133 |
| Return on assets (ROA) | 2.7366% | 140 |
| Pretax return on assets | 2.7507% | 199 |
| Return on Equity (ROE) | 23.4594% | 181 |
| Retained earnings to average equity (ytd only) | 8.8867% | 1,270 |
| Net charge-offs to loans | -0.0386% | 6,639 |
| Credit loss provision to net charge-offs | -104.1667% | 6,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3192% | 6,428 |
| Assets per employee ($millions) | 3.5171% | 4,942 |
| Cash dividends to net income (ytd only)* | 62.1190% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,798 |
| Loan loss allowance to noncurrent loans | 119.4539% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.7275% | 3,015 |
| Noncurrent loans to loans | 1.0908% | 4,256 |
| Net loans and leases to total assets | 77.9783% | 732 |
| Net loans and leases to deposits | 89.0908% | 1,249 |
| Net loans and leases to core deposits | 99.6242% | 1,148 |
| Total domestic deposits to total assets | 87.5268% | 2,332 |
| Equity capital to assets | 12.2967% | 2,047 |
| Core capital (leverage) ratio | 12.1223% | 1,578 |
| Tier 1 risk-based capital ratio | 14.7742% | 3,996 |
| Total risk-based capital ratio | 16.0029% | 3,974 |
| Memoranda: | ||
| Average total assets | $103,921,750 | 4,777 |
| Average earning assets | $88,939,250 | 4,939 |
| Average equity | $12,122,750 | 4,583 |
| Average total loans | $82,963,000 | 3,988 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8227% | 396 |
| Cost of funding earning assets | 0.6351% | 4,574 |
| Net interest margin | 5.1876% | 295 |
| Noninterest income to average assets | 1.3274% | 807 |
| Noninterest expense to average assets | 2.9130% | 3,569 |
| Loan and lease loss provision to assets | 0.0478% | 5,079 |
| Net operating income to assets | 2.8059% | 124 |
| Return on assets (ROA) | 2.8059% | 132 |
| Pretax return on assets | 2.8193% | 191 |
| Return on Equity (ROE) | 24.4847% | 162 |
| Retained earnings to average equity (ytd only) | 5.7081% | 2,875 |
| Net charge-offs to loans | -0.0597% | 6,714 |
| Credit loss provision to net charge-offs | -100.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3971% | 6,618 |
| Assets per employee ($millions) | 3.5267% | 4,930 |
| Cash dividends to net income (ytd only)* | 76.6871% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 5,071 |
| Loan loss allowance to noncurrent loans | 146.5830% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6876% | 3,193 |
| Noncurrent loans to loans | 0.8611% | 4,784 |
| Net loans and leases to total assets | 80.3880% | 465 |
| Net loans and leases to deposits | 91.3491% | 1,018 |
| Net loans and leases to core deposits | 102.0556% | 977 |
| Total domestic deposits to total assets | 88.0009% | 2,143 |
| Equity capital to assets | 11.7977% | 2,318 |
| Core capital (leverage) ratio | 11.3285% | 2,024 |
| Tier 1 risk-based capital ratio | 13.6513% | 4,706 |
| Total risk-based capital ratio | 14.8478% | 4,716 |
| Memoranda: | ||
| Average total assets | $104,564,000 | 4,788 |
| Average earning assets | $89,751,670 | 4,944 |
| Average equity | $11,983,000 | 4,607 |
| Average total loans | $83,756,000 | 3,988 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7706% | 452 |
| Cost of funding earning assets | 0.6841% | 4,418 |
| Net interest margin | 5.0865% | 352 |
| Noninterest income to average assets | 1.3055% | 834 |
| Noninterest expense to average assets | 2.9818% | 3,325 |
| Loan and lease loss provision to assets | 0.0568% | 4,698 |
| Net operating income to assets | 2.5882% | 158 |
| Return on assets (ROA) | 2.5882% | 190 |
| Pretax return on assets | 2.5996% | 291 |
| Return on Equity (ROE) | 22.9117% | 248 |
| Retained earnings to average equity (ytd only) | 15.3750% | 419 |
| Net charge-offs to loans | -0.1048% | 6,803 |
| Credit loss provision to net charge-offs | -68.1818% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8859% | 6,451 |
| Assets per employee ($millions) | 3.7102% | 4,631 |
| Cash dividends to net income (ytd only)* | 32.8947% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,276 |
| Loan loss allowance to noncurrent loans | 157.2727% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5725% | 3,502 |
| Noncurrent loans to loans | 0.7921% | 5,087 |
| Net loans and leases to total assets | 76.4759% | 750 |
| Net loans and leases to deposits | 86.4838% | 1,363 |
| Net loans and leases to core deposits | 96.1139% | 1,289 |
| Total domestic deposits to total assets | 88.4280% | 2,051 |
| Equity capital to assets | 11.3071% | 2,620 |
| Core capital (leverage) ratio | 11.4964% | 1,895 |
| Tier 1 risk-based capital ratio | 13.8821% | 4,543 |
| Total risk-based capital ratio | 15.0722% | 4,568 |
| Memoranda: | ||
| Average total assets | $105,709,000 | 4,797 |
| Average earning assets | $90,042,000 | 4,966 |
| Average equity | $11,941,500 | 4,623 |
| Average total loans | $84,000,500 | 4,010 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0371% | 407 |
| Cost of funding earning assets | 0.9026% | 4,094 |
| Net interest margin | 5.1345% | 320 |
| Noninterest income to average assets | 1.1887% | 937 |
| Noninterest expense to average assets | 3.2037% | 2,849 |
| Loan and lease loss provision to assets | 0.1950% | 4,232 |
| Net operating income to assets | 2.1223% | 256 |
| Return on assets (ROA) | 2.1223% | 275 |
| Pretax return on assets | 2.1334% | 422 |
| Return on Equity (ROE) | 18.9015% | 319 |
| Retained earnings to average equity (ytd only) | -3.5728% | 6,332 |
| Net charge-offs to loans | 0.3668% | 3,569 |
| Credit loss provision to net charge-offs | 65.1235% | 5,025 |
| Earnings coverage of net charge-offs (x) | 7.7747% | 2,268 |
| Efficiency ratio | 57.9114% | 6,068 |
| Assets per employee ($millions) | 3.5801% | 4,829 |
| Cash dividends to net income (ytd only)* | 118.9024% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 5,479 |
| Loan loss allowance to noncurrent loans | 153.0581% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 3,487 |
| Noncurrent loans to loans | 0.7723% | 5,146 |
| Net loans and leases to total assets | 80.5966% | 434 |
| Net loans and leases to deposits | 91.0344% | 1,051 |
| Net loans and leases to core deposits | 99.6819% | 1,207 |
| Total domestic deposits to total assets | 88.5342% | 1,835 |
| Equity capital to assets | 11.2857% | 2,707 |
| Core capital (leverage) ratio | 11.1289% | 2,172 |
| Tier 1 risk-based capital ratio | 13.2731% | 4,859 |
| Total risk-based capital ratio | 14.4137% | 4,925 |
| Memoranda: | ||
| Average total assets | $108,186,200 | 4,684 |
| Average earning assets | $91,518,000 | 4,870 |
| Average equity | $12,147,200 | 4,521 |
| Average total loans | $88,326,600 | 3,900 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0196% | 439 |
| Cost of funding earning assets | 0.9145% | 4,305 |
| Net interest margin | 5.1050% | 335 |
| Noninterest income to average assets | 1.1127% | 1,076 |
| Noninterest expense to average assets | 2.9075% | 3,900 |
| Loan and lease loss provision to assets | 0.0939% | 5,290 |
| Net operating income to assets | 2.4231% | 176 |
| Return on assets (ROA) | 2.4231% | 183 |
| Pretax return on assets | 2.4292% | 279 |
| Return on Equity (ROE) | 21.6074% | 234 |
| Retained earnings to average equity (ytd only) | 0.6092% | 5,775 |
| Net charge-offs to loans | 0.2555% | 3,834 |
| Credit loss provision to net charge-offs | 45.0292% | 5,142 |
| Earnings coverage of net charge-offs (x) | 12.0938% | 1,739 |
| Efficiency ratio | 53.5385% | 6,541 |
| Assets per employee ($millions) | 3.7278% | 4,465 |
| Cash dividends to net income (ytd only)* | 97.1804% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,562 |
| Loan loss allowance to noncurrent loans | 106.0291% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 2.1633% | 2,950 |
| Noncurrent loans to loans | 1.1085% | 4,704 |
| Net loans and leases to total assets | 82.1666% | 342 |
| Net loans and leases to deposits | 95.4025% | 734 |
| Net loans and leases to core deposits | 105.2229% | 906 |
| Total domestic deposits to total assets | 86.1263% | 3,152 |
| Equity capital to assets | 11.6999% | 2,496 |
| Core capital (leverage) ratio | 11.5820% | 1,969 |
| Tier 1 risk-based capital ratio | 13.5861% | 4,665 |
| Total risk-based capital ratio | 14.7276% | 4,723 |
| Memoranda: | ||
| Average total assets | $109,277,250 | 4,694 |
| Average earning assets | $92,429,750 | 4,885 |
| Average equity | $12,254,750 | 4,497 |
| Average total loans | $89,238,750 | 3,920 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9753% | 501 |
| Cost of funding earning assets | 0.9535% | 4,286 |
| Net interest margin | 5.0217% | 381 |
| Noninterest income to average assets | 0.9215% | 1,580 |
| Noninterest expense to average assets | 2.6436% | 5,025 |
| Loan and lease loss provision to assets | 0.0811% | 5,293 |
| Net operating income to assets | 2.3983% | 190 |
| Return on assets (ROA) | 2.3983% | 195 |
| Pretax return on assets | 2.4037% | 284 |
| Return on Equity (ROE) | 21.6807% | 246 |
| Retained earnings to average equity (ytd only) | 6.5205% | 2,129 |
| Net charge-offs to loans | 0.3820% | 3,031 |
| Credit loss provision to net charge-offs | 26.1628% | 5,043 |
| Earnings coverage of net charge-offs (x) | 8.0116% | 2,137 |
| Efficiency ratio | 51.5471% | 6,825 |
| Assets per employee ($millions) | 3.5582% | 4,788 |
| Cash dividends to net income (ytd only)* | 69.9248% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,931 |
| Loan loss allowance to noncurrent loans | 72.6269% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.6361% | 2,530 |
| Noncurrent loans to loans | 1.5237% | 4,138 |
| Net loans and leases to total assets | 82.6290% | 327 |
| Net loans and leases to deposits | 95.9219% | 730 |
| Net loans and leases to core deposits | 104.8774% | 992 |
| Total domestic deposits to total assets | 86.1420% | 3,245 |
| Equity capital to assets | 11.7521% | 2,283 |
| Core capital (leverage) ratio | 11.4151% | 1,962 |
| Tier 1 risk-based capital ratio | 13.5068% | 4,520 |
| Total risk-based capital ratio | 14.5748% | 4,650 |
| Memoranda: | ||
| Average total assets | $110,910,670 | 4,681 |
| Average earning assets | $92,916,330 | 4,907 |
| Average equity | $12,269,000 | 4,485 |
| Average total loans | $90,057,330 | 3,935 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9682% | 501 |
| Cost of funding earning assets | 1.0076% | 4,151 |
| Net interest margin | 4.9606% | 412 |
| Noninterest income to average assets | 0.8319% | 1,919 |
| Noninterest expense to average assets | 2.4426% | 5,758 |
| Loan and lease loss provision to assets | 0.1062% | 4,686 |
| Net operating income to assets | 2.3754% | 204 |
| Return on assets (ROA) | 2.3754% | 211 |
| Pretax return on assets | 2.3789% | 298 |
| Return on Equity (ROE) | 22.1251% | 239 |
| Retained earnings to average equity (ytd only) | 1.3519% | 5,287 |
| Net charge-offs to loans | 0.1282% | 3,747 |
| Credit loss provision to net charge-offs | 103.4483% | 2,563 |
| Earnings coverage of net charge-offs (x) | 24.2069% | 992 |
| Efficiency ratio | 49.5690% | 7,017 |
| Assets per employee ($millions) | 3.8671% | 4,150 |
| Cash dividends to net income (ytd only)* | 93.8897% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,436 |
| Loan loss allowance to noncurrent loans | 116.0250% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 2.1713% | 3,104 |
| Noncurrent loans to loans | 1.0707% | 4,906 |
| Net loans and leases to total assets | 79.0387% | 617 |
| Net loans and leases to deposits | 91.2289% | 1,090 |
| Net loans and leases to core deposits | 100.1695% | 1,324 |
| Total domestic deposits to total assets | 86.6378% | 3,159 |
| Equity capital to assets | 10.8431% | 2,835 |
| Core capital (leverage) ratio | 10.6073% | 2,501 |
| Tier 1 risk-based capital ratio | 12.8980% | 4,899 |
| Total risk-based capital ratio | 14.0842% | 4,930 |
| Memoranda: | ||
| Average total assets | $112,992,500 | 4,668 |
| Average earning assets | $93,294,500 | 4,934 |
| Average equity | $12,131,000 | 4,519 |
| Average total loans | $90,490,500 | 3,968 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0818% | 723 |
| Cost of funding earning assets | 1.3465% | 3,597 |
| Net interest margin | 4.7353% | 755 |
| Noninterest income to average assets | 0.8038% | 2,264 |
| Noninterest expense to average assets | 2.4838% | 5,854 |
| Loan and lease loss provision to assets | 0.4178% | 3,603 |
| Net operating income to assets | 1.8083% | 411 |
| Return on assets (ROA) | 1.8083% | 445 |
| Pretax return on assets | 1.8195% | 730 |
| Return on Equity (ROE) | 17.6490% | 411 |
| Retained earnings to average equity (ytd only) | 4.9525% | 2,441 |
| Net charge-offs to loans | 0.5370% | 3,466 |
| Credit loss provision to net charge-offs | 97.1944% | 4,775 |
| Earnings coverage of net charge-offs (x) | 5.2044% | 2,684 |
| Efficiency ratio | 52.6095% | 6,937 |
| Assets per employee ($millions) | 3.9255% | 3,951 |
| Cash dividends to net income (ytd only)* | 71.9390% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 5,409 |
| Loan loss allowance to noncurrent loans | 95.6223% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.2505% | 3,027 |
| Noncurrent loans to loans | 1.2770% | 4,581 |
| Net loans and leases to total assets | 79.1585% | 776 |
| Net loans and leases to deposits | 91.0105% | 1,398 |
| Net loans and leases to core deposits | 100.8596% | 1,548 |
| Total domestic deposits to total assets | 86.9773% | 2,831 |
| Equity capital to assets | 10.6307% | 3,037 |
| Core capital (leverage) ratio | 10.6195% | 2,444 |
| Tier 1 risk-based capital ratio | 12.7115% | 4,854 |
| Total risk-based capital ratio | 13.8834% | 4,891 |
| Memoranda: | ||
| Average total assets | $116,073,200 | 4,572 |
| Average earning assets | $96,023,800 | 4,826 |
| Average equity | $11,893,000 | 4,640 |
| Average total loans | $92,923,200 | 3,983 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1235% | 728 |
| Cost of funding earning assets | 1.4186% | 3,461 |
| Net interest margin | 4.7049% | 839 |
| Noninterest income to average assets | 0.6859% | 2,903 |
| Noninterest expense to average assets | 2.2658% | 6,419 |
| Loan and lease loss provision to assets | 0.0800% | 6,246 |
| Net operating income to assets | 2.2223% | 230 |
| Return on assets (ROA) | 2.2223% | 245 |
| Pretax return on assets | 2.2338% | 381 |
| Return on Equity (ROE) | 21.8900% | 203 |
| Retained earnings to average equity (ytd only) | 6.0130% | 2,348 |
| Net charge-offs to loans | 0.0329% | 6,230 |
| Credit loss provision to net charge-offs | 304.3478% | 1,048 |
| Earnings coverage of net charge-offs (x) | 87.9883% | 350 |
| Efficiency ratio | 49.4758% | 7,184 |
| Assets per employee ($millions) | 3.8391% | 4,165 |
| Cash dividends to net income (ytd only)* | 72.5306% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,999 |
| Loan loss allowance to noncurrent loans | 46.3328% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 3.5335% | 2,015 |
| Noncurrent loans to loans | 2.7935% | 2,854 |
| Net loans and leases to total assets | 80.4839% | 668 |
| Net loans and leases to deposits | 93.3075% | 1,277 |
| Net loans and leases to core deposits | 105.0653% | 1,395 |
| Total domestic deposits to total assets | 86.2567% | 2,944 |
| Equity capital to assets | 10.8601% | 3,099 |
| Core capital (leverage) ratio | 10.6171% | 2,584 |
| Tier 1 risk-based capital ratio | 12.6931% | 4,819 |
| Total risk-based capital ratio | 13.9332% | 4,812 |
| Memoranda: | ||
| Average total assets | $116,631,500 | 4,625 |
| Average earning assets | $96,522,000 | 4,871 |
| Average equity | $11,840,750 | 4,725 |
| Average total loans | $93,347,000 | 4,043 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 728 |
| Cost of funding earning assets | 1.4913% | 3,300 |
| Net interest margin | 4.6297% | 933 |
| Noninterest income to average assets | 0.6047% | 3,308 |
| Noninterest expense to average assets | 2.2619% | 6,469 |
| Loan and lease loss provision to assets | 0.0507% | 6,462 |
| Net operating income to assets | 2.0930% | 282 |
| Return on assets (ROA) | 2.0930% | 306 |
| Pretax return on assets | 2.1048% | 485 |
| Return on Equity (ROE) | 21.0762% | 255 |
| Retained earnings to average equity (ytd only) | 10.1894% | 803 |
| Net charge-offs to loans | -0.0042% | 7,098 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2046% | 7,133 |
| Assets per employee ($millions) | 3.9545% | 3,857 |
| Cash dividends to net income (ytd only)* | 51.6546% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,131 |
| Loan loss allowance to noncurrent loans | 47.7956% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 3.3353% | 2,112 |
| Noncurrent loans to loans | 2.6372% | 3,002 |
| Net loans and leases to total assets | 79.2354% | 911 |
| Net loans and leases to deposits | 91.4901% | 1,615 |
| Net loans and leases to core deposits | 103.4448% | 1,689 |
| Total domestic deposits to total assets | 86.6055% | 2,750 |
| Equity capital to assets | 10.5763% | 3,313 |
| Core capital (leverage) ratio | 9.8026% | 3,396 |
| Tier 1 risk-based capital ratio | 12.4867% | 4,874 |
| Total risk-based capital ratio | 13.6845% | 4,897 |
| Memoranda: | ||
| Average total assets | $118,397,330 | 4,608 |
| Average earning assets | $97,501,330 | 4,888 |
| Average equity | $11,757,330 | 4,743 |
| Average total loans | $94,202,330 | 4,056 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0577% | 869 |
| Cost of funding earning assets | 1.5175% | 3,439 |
| Net interest margin | 4.5403% | 1,063 |
| Noninterest income to average assets | 0.5688% | 3,499 |
| Noninterest expense to average assets | 2.0290% | 7,107 |
| Loan and lease loss provision to assets | 0.0499% | 6,162 |
| Net operating income to assets | 2.2120% | 247 |
| Return on assets (ROA) | 2.2120% | 274 |
| Pretax return on assets | 2.2219% | 404 |
| Return on Equity (ROE) | 22.9875% | 232 |
| Retained earnings to average equity (ytd only) | 2.2469% | 4,786 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1771% | 7,492 |
| Assets per employee ($millions) | 4.3402% | 3,223 |
| Cash dividends to net income (ytd only)* | 90.2256% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 5,368 |
| Loan loss allowance to noncurrent loans | 25.1154% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 4.9577% | 1,304 |
| Noncurrent loans to loans | 4.8746% | 1,497 |
| Net loans and leases to total assets | 73.2668% | 2,133 |
| Net loans and leases to deposits | 83.8315% | 2,965 |
| Net loans and leases to core deposits | 93.5236% | 2,902 |
| Total domestic deposits to total assets | 87.3977% | 2,414 |
| Equity capital to assets | 9.2042% | 4,984 |
| Core capital (leverage) ratio | 9.5343% | 3,715 |
| Tier 1 risk-based capital ratio | 11.5541% | 5,626 |
| Total risk-based capital ratio | 12.6827% | 5,708 |
| Memoranda: | ||
| Average total assets | $120,255,500 | 4,621 |
| Average earning assets | $98,849,000 | 4,908 |
| Average equity | $11,571,500 | 4,825 |
| Average total loans | $95,289,500 | 4,091 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5013% | 670 |
| Cost of funding earning assets | 1.8170% | 3,901 |
| Net interest margin | 4.6844% | 861 |
| Noninterest income to average assets | 0.6505% | 3,289 |
| Noninterest expense to average assets | 2.6472% | 5,604 |
| Loan and lease loss provision to assets | 0.3134% | 4,938 |
| Net operating income to assets | 1.8029% | 359 |
| Return on assets (ROA) | 1.8029% | 376 |
| Pretax return on assets | 1.8090% | 625 |
| Return on Equity (ROE) | 17.8760% | 379 |
| Retained earnings to average equity (ytd only) | 3.5925% | 2,667 |
| Net charge-offs to loans | 0.3630% | 4,411 |
| Credit loss provision to net charge-offs | 102.5714% | 5,383 |
| Earnings coverage of net charge-offs (x) | 6.9457% | 2,257 |
| Efficiency ratio | 55.5006% | 7,069 |
| Assets per employee ($millions) | 3.9533% | 3,910 |
| Cash dividends to net income (ytd only)* | 79.9031% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,584 |
| Loan loss allowance to noncurrent loans | 1,880.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 4,054 |
| Noncurrent loans to loans | 0.0617% | 7,271 |
| Net loans and leases to total assets | 83.8153% | 454 |
| Net loans and leases to deposits | 97.7657% | 1,128 |
| Net loans and leases to core deposits | 133.6291% | 1,078 |
| Total domestic deposits to total assets | 85.7307% | 3,149 |
| Equity capital to assets | 10.0816% | 3,647 |
| Core capital (leverage) ratio | 9.8540% | 3,266 |
| Tier 1 risk-based capital ratio | 11.4239% | 5,479 |
| Total risk-based capital ratio | 12.5311% | 5,586 |
| Memoranda: | ||
| Average total assets | $114,536,000 | 4,705 |
| Average earning assets | $100,718,000 | 4,826 |
| Average equity | $11,551,800 | 4,861 |
| Average total loans | $96,420,000 | 4,052 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5030% | 740 |
| Cost of funding earning assets | 1.8724% | 4,034 |
| Net interest margin | 4.6306% | 939 |
| Noninterest income to average assets | 0.7557% | 2,677 |
| Noninterest expense to average assets | 2.2682% | 6,788 |
| Loan and lease loss provision to assets | 0.1979% | 5,408 |
| Net operating income to assets | 2.3404% | 141 |
| Return on assets (ROA) | 2.3404% | 155 |
| Pretax return on assets | 2.3555% | 258 |
| Return on Equity (ROE) | 23.2024% | 164 |
| Retained earnings to average equity (ytd only) | 7.0415% | 1,488 |
| Net charge-offs to loans | 0.4005% | 3,661 |
| Credit loss provision to net charge-offs | 58.8235% | 6,191 |
| Earnings coverage of net charge-offs (x) | 7.5883% | 2,384 |
| Efficiency ratio | 47.0418% | 7,717 |
| Assets per employee ($millions) | 4.0400% | 3,652 |
| Cash dividends to net income (ytd only)* | 69.6518% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 6,060 |
| Loan loss allowance to noncurrent loans | 55.8036% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.2824% | 2,062 |
| Noncurrent loans to loans | 1.8651% | 3,817 |
| Net loans and leases to total assets | 84.0531% | 533 |
| Net loans and leases to deposits | 98.9479% | 1,217 |
| Net loans and leases to core deposits | 133.3576% | 1,249 |
| Total domestic deposits to total assets | 84.9468% | 3,263 |
| Equity capital to assets | 10.4333% | 3,582 |
| Core capital (leverage) ratio | 10.1712% | 3,092 |
| Tier 1 risk-based capital ratio | 11.7942% | 5,156 |
| Total risk-based capital ratio | 12.7891% | 5,345 |
| Memoranda: | ||
| Average total assets | $114,508,750 | 4,728 |
| Average earning assets | $100,545,500 | 4,849 |
| Average equity | $11,550,250 | 4,911 |
| Average total loans | $96,220,500 | 4,077 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4131% | 978 |
| Cost of funding earning assets | 1.9606% | 3,957 |
| Net interest margin | 4.4526% | 1,283 |
| Noninterest income to average assets | 0.7845% | 2,489 |
| Noninterest expense to average assets | 2.2284% | 6,977 |
| Loan and lease loss provision to assets | 0.1166% | 5,973 |
| Net operating income to assets | 2.3153% | 156 |
| Return on assets (ROA) | 2.3153% | 172 |
| Pretax return on assets | 2.3310% | 285 |
| Return on Equity (ROE) | 23.2158% | 187 |
| Retained earnings to average equity (ytd only) | 10.1340% | 709 |
| Net charge-offs to loans | 0.0873% | 5,329 |
| Credit loss provision to net charge-offs | 159.5238% | 2,879 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 924 |
| Efficiency ratio | 47.6563% | 7,770 |
| Assets per employee ($millions) | 4.0331% | 3,617 |
| Cash dividends to net income (ytd only)* | 56.3486% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,109 |
| Loan loss allowance to noncurrent loans | 45.2890% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.9595% | 2,157 |
| Noncurrent loans to loans | 2.5953% | 2,792 |
| Net loans and leases to total assets | 85.1744% | 481 |
| Net loans and leases to deposits | 100.2449% | 1,268 |
| Net loans and leases to core deposits | 131.8221% | 1,443 |
| Total domestic deposits to total assets | 84.9663% | 3,280 |
| Equity capital to assets | 10.3997% | 3,515 |
| Core capital (leverage) ratio | 10.1985% | 3,095 |
| Tier 1 risk-based capital ratio | 11.7721% | 5,130 |
| Total risk-based capital ratio | 12.9129% | 5,164 |
| Memoranda: | ||
| Average total assets | $114,972,000 | 4,753 |
| Average earning assets | $100,481,330 | 4,880 |
| Average equity | $11,466,330 | 4,960 |
| Average total loans | $96,267,330 | 4,107 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4924% | 878 |
| Cost of funding earning assets | 2.0960% | 3,673 |
| Net interest margin | 4.3964% | 1,347 |
| Noninterest income to average assets | 0.7587% | 2,550 |
| Noninterest expense to average assets | 2.0828% | 7,158 |
| Loan and lease loss provision to assets | 0.1517% | 4,986 |
| Net operating income to assets | 2.2932% | 193 |
| Return on assets (ROA) | 2.2932% | 229 |
| Pretax return on assets | 2.3070% | 358 |
| Return on Equity (ROE) | 23.4827% | 239 |
| Retained earnings to average equity (ytd only) | 7.5921% | 1,984 |
| Net charge-offs to loans | 0.1504% | 3,758 |
| Credit loss provision to net charge-offs | 122.2222% | 3,230 |
| Earnings coverage of net charge-offs (x) | 19.8056% | 1,406 |
| Efficiency ratio | 45.8618% | 7,847 |
| Assets per employee ($millions) | 4.2944% | 3,086 |
| Cash dividends to net income (ytd only)* | 67.6692% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 4,871 |
| Loan loss allowance to noncurrent loans | 247.6923% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 4,491 |
| Noncurrent loans to loans | 0.4804% | 6,223 |
| Net loans and leases to total assets | 80.7079% | 1,255 |
| Net loans and leases to deposits | 95.2400% | 2,074 |
| Net loans and leases to core deposits | 121.2192% | 2,314 |
| Total domestic deposits to total assets | 84.7416% | 3,333 |
| Equity capital to assets | 9.8388% | 4,196 |
| Core capital (leverage) ratio | 9.6988% | 3,761 |
| Tier 1 risk-based capital ratio | 11.5921% | 5,316 |
| Total risk-based capital ratio | 12.7488% | 5,313 |
| Memoranda: | ||
| Average total assets | $115,995,000 | 4,754 |
| Average earning assets | $99,808,500 | 4,921 |
| Average equity | $11,327,500 | 5,023 |
| Average total loans | $95,737,000 | 4,157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0200% | 1,081 |
| Cost of funding earning assets | 2.8447% | 2,501 |
| Net interest margin | 4.1753% | 2,413 |
| Noninterest income to average assets | 0.7083% | 3,070 |
| Noninterest expense to average assets | 2.2666% | 6,795 |
| Loan and lease loss provision to assets | 0.5008% | 2,806 |
| Net operating income to assets | 1.6337% | 783 |
| Return on assets (ROA) | 1.6337% | 741 |
| Pretax return on assets | 1.6514% | 1,258 |
| Return on Equity (ROE) | 17.0094% | 633 |
| Retained earnings to average equity (ytd only) | 5.4729% | 1,776 |
| Net charge-offs to loans | 0.2639% | 3,643 |
| Credit loss provision to net charge-offs | 226.0000% | 2,106 |
| Earnings coverage of net charge-offs (x) | 9.7120% | 2,646 |
| Efficiency ratio | 51.2939% | 7,564 |
| Assets per employee ($millions) | 4.1443% | 3,222 |
| Cash dividends to net income (ytd only)* | 67.8242% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 4,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 5,114 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 82.4260% | 1,145 |
| Net loans and leases to deposits | 97.1638% | 2,261 |
| Net loans and leases to core deposits | 122.8588% | 2,409 |
| Total domestic deposits to total assets | 84.8321% | 2,921 |
| Equity capital to assets | 9.6923% | 4,431 |
| Core capital (leverage) ratio | 9.5259% | 3,980 |
| Tier 1 risk-based capital ratio | 11.2424% | 5,495 |
| Total risk-based capital ratio | 12.3779% | 5,497 |
| Memoranda: | ||
| Average total assets | $112,812,600 | 4,698 |
| Average earning assets | $100,255,800 | 4,797 |
| Average equity | $10,835,200 | 5,173 |
| Average total loans | $94,724,400 | 4,088 |