Home > 1st Trust Bank, Inc. > Performance and Condition Ratios
1st Trust Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 2,728 |
| Cost of funding earning assets | 1.5949% | 1,706 |
| Net interest margin | 3.0823% | 3,132 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.6344% | 1,905 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4544% | 3,760 |
| Return on assets (ROA) | 0.4544% | 3,758 |
| Pretax return on assets | 0.5564% | 3,710 |
| Return on Equity (ROE) | 4.9200% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.9193% | 2,623 |
| Net charge-offs to loans | 0.1275% | 769 |
| Credit loss provision to net charge-offs | 68.1818% | 2,102 |
| Earnings coverage of net charge-offs (x) | 6.2197% | 2,485 |
| Efficiency ratio | 80.8267% | 865 |
| Assets per employee ($millions) | 5.8940% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 4,115 |
| Loan loss allowance to noncurrent loans | 244.8657% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 1,256 |
| Noncurrent loans to loans | 0.2885% | 2,143 |
| Net loans and leases to total assets | 75.4200% | 1,185 |
| Net loans and leases to deposits | 85.5128% | 1,651 |
| Net loans and leases to core deposits | 125.2536% | 505 |
| Total domestic deposits to total assets | 88.2000% | 1,285 |
| Equity capital to assets | 8.7982% | 2,831 |
| Core capital (leverage) ratio | 10.6420% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $262,751,600 | 2,611 |
| Average earning assets | $249,230,000 | 2,580 |
| Average equity | $24,271,800 | 2,563 |
| Average total loans | $207,125,000 | 2,244 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 2,596 |
| Cost of funding earning assets | 1.3908% | 1,897 |
| Net interest margin | 3.2458% | 2,811 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.7401% | 1,570 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4813% | 3,800 |
| Return on assets (ROA) | 0.4813% | 3,807 |
| Pretax return on assets | 0.5932% | 3,743 |
| Return on Equity (ROE) | 5.1400% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.1415% | 2,888 |
| Net charge-offs to loans | 0.0020% | 2,503 |
| Credit loss provision to net charge-offs | 4,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 345 |
| Efficiency ratio | 80.5076% | 832 |
| Assets per employee ($millions) | 5.4719% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 3,944 |
| Loan loss allowance to noncurrent loans | 147.4958% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 1,033 |
| Noncurrent loans to loans | 0.5567% | 1,437 |
| Net loans and leases to total assets | 81.2600% | 506 |
| Net loans and leases to deposits | 92.7368% | 993 |
| Net loans and leases to core deposits | 127.2700% | 386 |
| Total domestic deposits to total assets | 87.6200% | 1,701 |
| Equity capital to assets | 9.0280% | 2,397 |
| Core capital (leverage) ratio | 10.7245% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $256,237,500 | 2,647 |
| Average earning assets | $242,724,750 | 2,620 |
| Average equity | $23,987,250 | 2,569 |
| Average total loans | $204,062,250 | 2,262 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 2,671 |
| Cost of funding earning assets | 1.1482% | 2,138 |
| Net interest margin | 3.3398% | 2,665 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.7800% | 1,462 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5368% | 3,733 |
| Return on assets (ROA) | 0.5368% | 3,738 |
| Pretax return on assets | 0.6651% | 3,676 |
| Return on Equity (ROE) | 5.6600% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.6647% | 2,738 |
| Net charge-offs to loans | 0.0010% | 2,389 |
| Credit loss provision to net charge-offs | 8,500.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 930.0000% | 161 |
| Efficiency ratio | 79.1573% | 897 |
| Assets per employee ($millions) | 5.2436% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 3,959 |
| Loan loss allowance to noncurrent loans | 140.0978% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 834 |
| Noncurrent loans to loans | 0.5893% | 1,274 |
| Net loans and leases to total assets | 78.7500% | 761 |
| Net loans and leases to deposits | 90.8690% | 1,119 |
| Net loans and leases to core deposits | 117.4184% | 591 |
| Total domestic deposits to total assets | 86.6700% | 2,033 |
| Equity capital to assets | 9.2810% | 2,328 |
| Core capital (leverage) ratio | 10.8746% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $254,100,000 | 2,670 |
| Average earning assets | $240,551,000 | 2,635 |
| Average equity | $24,079,000 | 2,567 |
| Average total loans | $200,354,333 | 2,285 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 2,608 |
| Cost of funding earning assets | 0.9288% | 2,281 |
| Net interest margin | 3.4512% | 2,493 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.8265% | 1,382 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.5215% | 3,842 |
| Return on assets (ROA) | 0.5215% | 3,801 |
| Pretax return on assets | 0.7054% | 3,649 |
| Return on Equity (ROE) | 5.4400% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.4442% | 2,906 |
| Net charge-offs to loans | -0.0041% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9544% | 908 |
| Assets per employee ($millions) | 4.7612% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,023 |
| Loan loss allowance to noncurrent loans | 139.4649% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 769 |
| Noncurrent loans to loans | 0.5979% | 1,244 |
| Net loans and leases to total assets | 78.6100% | 697 |
| Net loans and leases to deposits | 89.2031% | 1,118 |
| Net loans and leases to core deposits | 110.3274% | 696 |
| Total domestic deposits to total assets | 88.1200% | 1,890 |
| Equity capital to assets | 9.6326% | 2,045 |
| Core capital (leverage) ratio | 10.8866% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $250,059,000 | 2,730 |
| Average earning assets | $236,439,000 | 2,692 |
| Average equity | $23,952,000 | 2,604 |
| Average total loans | $196,432,500 | 2,334 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 2,578 |
| Cost of funding earning assets | 0.4127% | 1,991 |
| Net interest margin | 3.2699% | 2,648 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.5666% | 1,917 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.5682% | 3,948 |
| Return on assets (ROA) | 0.5682% | 3,911 |
| Pretax return on assets | 0.7500% | 3,745 |
| Return on Equity (ROE) | 6.4400% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.4444% | 2,469 |
| Net charge-offs to loans | 0.1755% | 475 |
| Credit loss provision to net charge-offs | 78.1250% | 1,691 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,314 |
| Efficiency ratio | 75.2899% | 1,089 |
| Assets per employee ($millions) | 4.7649% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 3,927 |
| Loan loss allowance to noncurrent loans | 137.2796% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 749 |
| Noncurrent loans to loans | 0.6176% | 1,203 |
| Net loans and leases to total assets | 77.1700% | 879 |
| Net loans and leases to deposits | 85.4358% | 1,356 |
| Net loans and leases to core deposits | 101.9505% | 898 |
| Total domestic deposits to total assets | 90.3200% | 1,232 |
| Equity capital to assets | 9.5235% | 1,987 |
| Core capital (leverage) ratio | 10.3591% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $270,667,600 | 2,603 |
| Average earning assets | $255,147,200 | 2,577 |
| Average equity | $23,865,800 | 2,648 |
| Average total loans | $182,371,200 | 2,357 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 2,708 |
| Cost of funding earning assets | 0.3757% | 1,475 |
| Net interest margin | 3.0945% | 2,952 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.5258% | 1,937 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.4732% | 4,129 |
| Return on assets (ROA) | 0.4732% | 4,079 |
| Pretax return on assets | 0.6295% | 3,934 |
| Return on Equity (ROE) | 5.4700% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.4651% | 2,931 |
| Net charge-offs to loans | 0.2307% | 302 |
| Credit loss provision to net charge-offs | 61.0932% | 1,489 |
| Earnings coverage of net charge-offs (x) | 4.8071% | 2,163 |
| Efficiency ratio | 77.7893% | 933 |
| Assets per employee ($millions) | 5.6671% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,014 |
| Loan loss allowance to noncurrent loans | 150.2370% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 1,101 |
| Noncurrent loans to loans | 0.5558% | 1,430 |
| Net loans and leases to total assets | 62.6700% | 2,221 |
| Net loans and leases to deposits | 67.9485% | 2,537 |
| Net loans and leases to core deposits | 81.8193% | 1,777 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 7.5657% | 3,177 |
| Core capital (leverage) ratio | 9.6143% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $276,390,250 | 2,590 |
| Average earning assets | $260,496,500 | 2,569 |
| Average equity | $23,933,000 | 2,691 |
| Average total loans | $179,755,000 | 2,380 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 2,399 |
| Cost of funding earning assets | 0.3769% | 1,070 |
| Net interest margin | 3.0342% | 2,788 |
| Noninterest income to average assets | 0.3450% | 3,084 |
| Noninterest expense to average assets | 2.5752% | 1,712 |
| Loan and lease loss provision to assets | 0.0745% | 1,292 |
| Net operating income to assets | 0.4158% | 4,079 |
| Return on assets (ROA) | 0.4158% | 4,027 |
| Pretax return on assets | 0.5507% | 3,921 |
| Return on Equity (ROE) | 4.5858% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.5858% | 2,851 |
| Net charge-offs to loans | 0.0079% | 1,702 |
| Credit loss provision to net charge-offs | 1,428.5714% | 316 |
| Earnings coverage of net charge-offs (x) | 119.8571% | 737 |
| Efficiency ratio | 80.4657% | 910 |
| Assets per employee ($millions) | 4.9859% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,620 |
| Loan loss allowance to noncurrent loans | 112.3827% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 764 |
| Noncurrent loans to loans | 0.8848% | 956 |
| Net loans and leases to total assets | 66.4520% | 1,638 |
| Net loans and leases to deposits | 72.8703% | 1,966 |
| Net loans and leases to core deposits | 91.2328% | 1,054 |
| Total domestic deposits to total assets | 91.1922% | 1,147 |
| Equity capital to assets | 8.6288% | 2,671 |
| Core capital (leverage) ratio | 9.4299% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,402,000 | 2,661 |
| Average earning assets | $252,583,667 | 2,654 |
| Average equity | $24,336,000 | 2,722 |
| Average total loans | $176,401,333 | 2,403 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 2,318 |
| Cost of funding earning assets | 0.3791% | 997 |
| Net interest margin | 2.9423% | 2,701 |
| Noninterest income to average assets | 0.3090% | 3,256 |
| Noninterest expense to average assets | 2.5076% | 1,863 |
| Loan and lease loss provision to assets | 0.0746% | 1,105 |
| Net operating income to assets | 0.3672% | 4,027 |
| Return on assets (ROA) | 0.3672% | 3,991 |
| Pretax return on assets | 0.4956% | 3,876 |
| Return on Equity (ROE) | 3.9537% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.9537% | 2,947 |
| Net charge-offs to loans | 0.0161% | 1,214 |
| Credit loss provision to net charge-offs | 714.2857% | 423 |
| Earnings coverage of net charge-offs (x) | 54.5714% | 890 |
| Efficiency ratio | 81.4743% | 1,030 |
| Assets per employee ($millions) | 5.2660% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,618 |
| Loan loss allowance to noncurrent loans | 104.1716% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 781 |
| Noncurrent loans to loans | 0.9825% | 925 |
| Net loans and leases to total assets | 61.7325% | 1,895 |
| Net loans and leases to deposits | 67.9350% | 2,163 |
| Net loans and leases to core deposits | 85.6273% | 1,154 |
| Total domestic deposits to total assets | 90.8699% | 1,100 |
| Equity capital to assets | 8.9705% | 2,733 |
| Core capital (leverage) ratio | 9.6884% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,984,000 | 2,676 |
| Average earning assets | $252,186,500 | 2,669 |
| Average equity | $24,888,000 | 2,782 |
| Average total loans | $174,246,500 | 2,424 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 2,290 |
| Cost of funding earning assets | 0.6316% | 464 |
| Net interest margin | 3.0051% | 3,180 |
| Noninterest income to average assets | 0.6914% | 1,792 |
| Noninterest expense to average assets | 2.4574% | 2,314 |
| Loan and lease loss provision to assets | 0.2167% | 473 |
| Net operating income to assets | 0.5916% | 3,894 |
| Return on assets (ROA) | 0.5916% | 3,938 |
| Pretax return on assets | 0.7882% | 3,751 |
| Return on Equity (ROE) | 6.2409% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.2409% | 2,256 |
| Net charge-offs to loans | 0.1888% | 518 |
| Credit loss provision to net charge-offs | 161.8497% | 1,446 |
| Earnings coverage of net charge-offs (x) | 7.5058% | 2,341 |
| Efficiency ratio | 70.9768% | 1,619 |
| Assets per employee ($millions) | 5.0411% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,907 |
| Loan loss allowance to noncurrent loans | 92.0130% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 729 |
| Noncurrent loans to loans | 1.0428% | 945 |
| Net loans and leases to total assets | 67.1394% | 1,359 |
| Net loans and leases to deposits | 74.3866% | 1,694 |
| Net loans and leases to core deposits | 94.1120% | 773 |
| Total domestic deposits to total assets | 90.2574% | 841 |
| Equity capital to assets | 9.6178% | 3,030 |
| Core capital (leverage) ratio | 9.7352% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,446,600 | 2,673 |
| Average earning assets | $238,292,200 | 2,687 |
| Average equity | $24,499,600 | 2,882 |
| Average total loans | $183,300,800 | 2,358 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 2,734 |
| Cost of funding earning assets | 0.6911% | 399 |
| Net interest margin | 2.8425% | 3,679 |
| Noninterest income to average assets | 0.7238% | 1,755 |
| Noninterest expense to average assets | 2.4650% | 2,224 |
| Loan and lease loss provision to assets | 0.1658% | 658 |
| Net operating income to assets | 0.5229% | 4,154 |
| Return on assets (ROA) | 0.5229% | 4,202 |
| Pretax return on assets | 0.6974% | 4,069 |
| Return on Equity (ROE) | 5.5368% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.5368% | 3,029 |
| Net charge-offs to loans | 0.1249% | 633 |
| Credit loss provision to net charge-offs | 184.9711% | 1,245 |
| Earnings coverage of net charge-offs (x) | 9.6358% | 2,070 |
| Efficiency ratio | 74.0666% | 1,209 |
| Assets per employee ($millions) | 5.1683% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 4,153 |
| Loan loss allowance to noncurrent loans | 69.5578% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 626 |
| Noncurrent loans to loans | 1.2932% | 841 |
| Net loans and leases to total assets | 69.7484% | 1,103 |
| Net loans and leases to deposits | 77.4349% | 1,532 |
| Net loans and leases to core deposits | 99.0047% | 627 |
| Total domestic deposits to total assets | 90.0736% | 743 |
| Equity capital to assets | 9.6121% | 3,281 |
| Core capital (leverage) ratio | 9.7146% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,523,750 | 2,698 |
| Average earning assets | $235,935,250 | 2,729 |
| Average equity | $24,321,500 | 2,921 |
| Average total loans | $184,700,250 | 2,386 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 3,023 |
| Cost of funding earning assets | 0.7338% | 391 |
| Net interest margin | 2.7192% | 3,944 |
| Noninterest income to average assets | 0.7690% | 1,620 |
| Noninterest expense to average assets | 2.4577% | 2,285 |
| Loan and lease loss provision to assets | 0.1672% | 699 |
| Net operating income to assets | 0.4992% | 4,219 |
| Return on assets (ROA) | 0.4992% | 4,265 |
| Pretax return on assets | 0.6710% | 4,126 |
| Return on Equity (ROE) | 5.3170% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.3170% | 3,066 |
| Net charge-offs to loans | 0.1810% | 468 |
| Credit loss provision to net charge-offs | 127.9762% | 1,226 |
| Earnings coverage of net charge-offs (x) | 6.4167% | 1,959 |
| Efficiency ratio | 74.5695% | 1,197 |
| Assets per employee ($millions) | 5.1453% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,278 |
| Loan loss allowance to noncurrent loans | 62.4543% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 702 |
| Noncurrent loans to loans | 1.3654% | 854 |
| Net loans and leases to total assets | 68.1028% | 1,431 |
| Net loans and leases to deposits | 75.3823% | 1,881 |
| Net loans and leases to core deposits | 96.3230% | 791 |
| Total domestic deposits to total assets | 90.3433% | 627 |
| Equity capital to assets | 9.3206% | 3,494 |
| Core capital (leverage) ratio | 9.7007% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,227,333 | 2,701 |
| Average earning assets | $239,037,000 | 2,697 |
| Average equity | $24,149,000 | 2,929 |
| Average total loans | $185,642,000 | 2,387 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 2,892 |
| Cost of funding earning assets | 0.7889% | 375 |
| Net interest margin | 2.7203% | 3,920 |
| Noninterest income to average assets | 0.7195% | 1,807 |
| Noninterest expense to average assets | 2.4678% | 2,271 |
| Loan and lease loss provision to assets | 0.1728% | 715 |
| Net operating income to assets | 0.4414% | 4,285 |
| Return on assets (ROA) | 0.4414% | 4,318 |
| Pretax return on assets | 0.5922% | 4,202 |
| Return on Equity (ROE) | 4.6844% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.6844% | 3,320 |
| Net charge-offs to loans | 0.2952% | 283 |
| Credit loss provision to net charge-offs | 79.1367% | 1,213 |
| Earnings coverage of net charge-offs (x) | 3.5036% | 1,762 |
| Efficiency ratio | 76.3362% | 1,104 |
| Assets per employee ($millions) | 5.1446% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,440 |
| Loan loss allowance to noncurrent loans | 73.8625% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 970 |
| Noncurrent loans to loans | 1.0596% | 1,269 |
| Net loans and leases to total assets | 72.0019% | 1,030 |
| Net loans and leases to deposits | 79.7286% | 1,547 |
| Net loans and leases to core deposits | 104.7668% | 553 |
| Total domestic deposits to total assets | 90.3087% | 664 |
| Equity capital to assets | 9.3639% | 3,316 |
| Core capital (leverage) ratio | 9.5376% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,636,500 | 2,705 |
| Average earning assets | $235,266,000 | 2,702 |
| Average equity | $23,994,500 | 2,931 |
| Average total loans | $188,340,500 | 2,365 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 2,096 |
| Cost of funding earning assets | 1.1905% | 288 |
| Net interest margin | 3.0231% | 3,836 |
| Noninterest income to average assets | 0.7699% | 1,626 |
| Noninterest expense to average assets | 2.4694% | 2,940 |
| Loan and lease loss provision to assets | 0.5052% | 479 |
| Net operating income to assets | 0.4839% | 4,061 |
| Return on assets (ROA) | 0.4927% | 4,127 |
| Pretax return on assets | 0.6052% | 4,072 |
| Return on Equity (ROE) | 5.4398% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.4398% | 2,073 |
| Net charge-offs to loans | 0.7018% | 213 |
| Credit loss provision to net charge-offs | 92.5000% | 2,910 |
| Earnings coverage of net charge-offs (x) | 2.0114% | 3,208 |
| Efficiency ratio | 69.1937% | 2,066 |
| Assets per employee ($millions) | 5.1437% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 4,452 |
| Loan loss allowance to noncurrent loans | 73.4352% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 1,043 |
| Noncurrent loans to loans | 1.0678% | 1,333 |
| Net loans and leases to total assets | 74.7966% | 927 |
| Net loans and leases to deposits | 82.8501% | 1,566 |
| Net loans and leases to core deposits | 112.3094% | 449 |
| Total domestic deposits to total assets | 90.2794% | 457 |
| Equity capital to assets | 9.4834% | 3,633 |
| Core capital (leverage) ratio | 9.2997% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,132,200 | 2,538 |
| Average earning assets | $237,137,200 | 2,543 |
| Average equity | $23,199,200 | 2,924 |
| Average total loans | $199,491,800 | 2,239 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 1,864 |
| Cost of funding earning assets | 1.2671% | 285 |
| Net interest margin | 3.1255% | 3,676 |
| Noninterest income to average assets | 0.6460% | 1,998 |
| Noninterest expense to average assets | 2.4296% | 3,054 |
| Loan and lease loss provision to assets | 0.6156% | 399 |
| Net operating income to assets | 0.3969% | 4,270 |
| Return on assets (ROA) | 0.4086% | 4,314 |
| Pretax return on assets | 0.5097% | 4,259 |
| Return on Equity (ROE) | 4.5633% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.5633% | 2,765 |
| Net charge-offs to loans | 0.8302% | 161 |
| Credit loss provision to net charge-offs | 94.5107% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.7041% | 3,053 |
| Efficiency ratio | 68.6292% | 2,094 |
| Assets per employee ($millions) | 4.8883% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 4,448 |
| Loan loss allowance to noncurrent loans | 62.0830% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 928 |
| Noncurrent loans to loans | 1.2296% | 1,240 |
| Net loans and leases to total assets | 79.5720% | 646 |
| Net loans and leases to deposits | 88.1268% | 1,471 |
| Net loans and leases to core deposits | 121.4608% | 385 |
| Total domestic deposits to total assets | 90.2926% | 332 |
| Equity capital to assets | 9.3973% | 3,767 |
| Core capital (leverage) ratio | 9.1011% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,155,000 | 2,519 |
| Average earning assets | $238,117,750 | 2,521 |
| Average equity | $23,023,500 | 2,934 |
| Average total loans | $201,862,750 | 2,213 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,636 |
| Cost of funding earning assets | 1.3384% | 305 |
| Net interest margin | 3.2692% | 3,466 |
| Noninterest income to average assets | 0.6783% | 1,817 |
| Noninterest expense to average assets | 2.3883% | 3,290 |
| Loan and lease loss provision to assets | 0.8400% | 280 |
| Net operating income to assets | 0.3764% | 4,278 |
| Return on assets (ROA) | 0.3934% | 4,302 |
| Pretax return on assets | 0.4974% | 4,256 |
| Return on Equity (ROE) | 4.4651% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.4651% | 2,723 |
| Net charge-offs to loans | 0.9481% | 160 |
| Credit loss provision to net charge-offs | 113.6458% | 2,318 |
| Earnings coverage of net charge-offs (x) | 1.7802% | 2,828 |
| Efficiency ratio | 64.4772% | 2,751 |
| Assets per employee ($millions) | 5.2973% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 4,174 |
| Loan loss allowance to noncurrent loans | 59.3395% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 878 |
| Noncurrent loans to loans | 1.4400% | 1,064 |
| Net loans and leases to total assets | 75.5642% | 1,201 |
| Net loans and leases to deposits | 83.0717% | 2,089 |
| Net loans and leases to core deposits | 116.6131% | 512 |
| Total domestic deposits to total assets | 90.9626% | 153 |
| Equity capital to assets | 8.7441% | 4,320 |
| Core capital (leverage) ratio | 8.6112% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,771,667 | 2,479 |
| Average earning assets | $240,428,333 | 2,486 |
| Average equity | $22,888,667 | 2,937 |
| Average total loans | $202,516,000 | 2,203 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 3,160 |
| Cost of funding earning assets | 1.4353% | 338 |
| Net interest margin | 2.7824% | 4,586 |
| Noninterest income to average assets | 0.7884% | 1,347 |
| Noninterest expense to average assets | 2.5083% | 3,250 |
| Loan and lease loss provision to assets | 0.5427% | 532 |
| Net operating income to assets | 0.2880% | 4,369 |
| Return on assets (ROA) | 0.3250% | 4,323 |
| Pretax return on assets | 0.3825% | 4,323 |
| Return on Equity (ROE) | 3.6742% | 4,047 |
| Retained earnings to average equity (ytd only) | 3.6742% | 2,816 |
| Net charge-offs to loans | 1.8241% | 79 |
| Credit loss provision to net charge-offs | 37.7297% | 2,110 |
| Earnings coverage of net charge-offs (x) | 0.6130% | 2,454 |
| Efficiency ratio | 73.9908% | 1,818 |
| Assets per employee ($millions) | 4.9131% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5049% | 4,869 |
| Loan loss allowance to noncurrent loans | 29.8302% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 688 |
| Noncurrent loans to loans | 1.6925% | 897 |
| Net loans and leases to total assets | 81.7455% | 463 |
| Net loans and leases to deposits | 91.5925% | 1,333 |
| Net loans and leases to core deposits | 133.9991% | 223 |
| Total domestic deposits to total assets | 89.2491% | 567 |
| Equity capital to assets | 9.3066% | 4,386 |
| Core capital (leverage) ratio | 9.1371% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,225,000 | 2,449 |
| Average earning assets | $240,508,000 | 2,443 |
| Average equity | $22,753,000 | 2,944 |
| Average total loans | $202,840,000 | 2,163 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 3,534 |
| Cost of funding earning assets | 1.5069% | 387 |
| Net interest margin | 2.7971% | 4,761 |
| Noninterest income to average assets | 0.3522% | 3,592 |
| Noninterest expense to average assets | 2.4144% | 3,645 |
| Loan and lease loss provision to assets | 0.1268% | 1,678 |
| Net operating income to assets | 0.3251% | 4,717 |
| Return on assets (ROA) | 0.3251% | 4,741 |
| Pretax return on assets | 0.4198% | 4,680 |
| Return on Equity (ROE) | 3.8228% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.8228% | 3,066 |
| Net charge-offs to loans | 0.2240% | 911 |
| Credit loss provision to net charge-offs | 71.0921% | 2,902 |
| Earnings coverage of net charge-offs (x) | 3.0642% | 3,359 |
| Efficiency ratio | 81.5379% | 828 |
| Assets per employee ($millions) | 5.2705% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,360 |
| Loan loss allowance to noncurrent loans | 34.8035% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.8319% | 468 |
| Noncurrent loans to loans | 2.2468% | 544 |
| Net loans and leases to total assets | 75.2452% | 1,540 |
| Net loans and leases to deposits | 84.1139% | 2,320 |
| Net loans and leases to core deposits | 122.2534% | 420 |
| Total domestic deposits to total assets | 89.4563% | 507 |
| Equity capital to assets | 8.4242% | 4,941 |
| Core capital (leverage) ratio | 8.5339% | 4,829 |
| Tier 1 risk-based capital ratio | 11.5879% | 4,583 |
| Total risk-based capital ratio | 12.4038% | 4,685 |
| Memoranda: | ||
| Average total assets | $261,766,600 | 2,388 |
| Average earning assets | $244,148,000 | 2,375 |
| Average equity | $22,261,200 | 2,942 |
| Average total loans | $208,449,600 | 2,099 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 3,589 |
| Cost of funding earning assets | 1.4943% | 415 |
| Net interest margin | 2.8276% | 4,835 |
| Noninterest income to average assets | 0.3082% | 3,900 |
| Noninterest expense to average assets | 2.3763% | 3,753 |
| Loan and lease loss provision to assets | 0.0672% | 2,542 |
| Net operating income to assets | 0.3836% | 4,747 |
| Return on assets (ROA) | 0.3836% | 4,773 |
| Pretax return on assets | 0.4877% | 4,707 |
| Return on Equity (ROE) | 4.4994% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.4994% | 3,144 |
| Net charge-offs to loans | 0.0324% | 2,423 |
| Credit loss provision to net charge-offs | 256.8627% | 1,065 |
| Earnings coverage of net charge-offs (x) | 21.2151% | 1,923 |
| Efficiency ratio | 81.0707% | 826 |
| Assets per employee ($millions) | 5.5354% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,217 |
| Loan loss allowance to noncurrent loans | 38.2309% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.8788% | 504 |
| Noncurrent loans to loans | 2.2312% | 557 |
| Net loans and leases to total assets | 77.6070% | 1,205 |
| Net loans and leases to deposits | 88.5014% | 1,865 |
| Net loans and leases to core deposits | 131.5497% | 274 |
| Total domestic deposits to total assets | 87.6901% | 1,168 |
| Equity capital to assets | 8.3138% | 5,060 |
| Core capital (leverage) ratio | 8.7915% | 4,782 |
| Tier 1 risk-based capital ratio | 11.4457% | 4,694 |
| Total risk-based capital ratio | 12.3650% | 4,751 |
| Memoranda: | ||
| Average total assets | $260,009,250 | 2,417 |
| Average earning assets | $241,184,000 | 2,418 |
| Average equity | $22,165,500 | 2,968 |
| Average total loans | $209,599,500 | 2,105 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 3,468 |
| Cost of funding earning assets | 1.4566% | 440 |
| Net interest margin | 2.8997% | 4,822 |
| Noninterest income to average assets | 0.2934% | 3,973 |
| Noninterest expense to average assets | 2.3866% | 3,767 |
| Loan and lease loss provision to assets | 0.0749% | 2,313 |
| Net operating income to assets | 0.4089% | 4,719 |
| Return on assets (ROA) | 0.4089% | 4,741 |
| Pretax return on assets | 0.5198% | 4,667 |
| Return on Equity (ROE) | 4.7556% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.7556% | 2,887 |
| Net charge-offs to loans | 0.0489% | 1,946 |
| Credit loss provision to net charge-offs | 188.2353% | 1,269 |
| Earnings coverage of net charge-offs (x) | 14.9412% | 2,006 |
| Efficiency ratio | 80.0524% | 959 |
| Assets per employee ($millions) | 5.2746% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,297 |
| Loan loss allowance to noncurrent loans | 111.1389% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 1,752 |
| Noncurrent loans to loans | 0.7588% | 2,082 |
| Net loans and leases to total assets | 82.4807% | 537 |
| Net loans and leases to deposits | 94.8283% | 1,172 |
| Net loans and leases to core deposits | 144.6802% | 159 |
| Total domestic deposits to total assets | 86.9790% | 1,600 |
| Equity capital to assets | 8.8213% | 4,892 |
| Core capital (leverage) ratio | 8.9670% | 4,649 |
| Tier 1 risk-based capital ratio | 11.5109% | 4,679 |
| Total risk-based capital ratio | 12.4273% | 4,733 |
| Memoranda: | ||
| Average total assets | $256,267,000 | 2,446 |
| Average earning assets | $237,539,000 | 2,444 |
| Average equity | $22,037,330 | 2,970 |
| Average total loans | $208,696,330 | 2,122 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2459% | 3,721 |
| Cost of funding earning assets | 1.3571% | 537 |
| Net interest margin | 2.8887% | 4,893 |
| Noninterest income to average assets | 0.2607% | 4,144 |
| Noninterest expense to average assets | 2.3645% | 3,864 |
| Loan and lease loss provision to assets | 0.0636% | 2,393 |
| Net operating income to assets | 0.3987% | 4,734 |
| Return on assets (ROA) | 0.3987% | 4,747 |
| Pretax return on assets | 0.5042% | 4,673 |
| Return on Equity (ROE) | 4.6964% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.6964% | 3,040 |
| Net charge-offs to loans | 0.0077% | 2,421 |
| Credit loss provision to net charge-offs | 1,025.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 707 |
| Efficiency ratio | 80.6349% | 992 |
| Assets per employee ($millions) | 5.3843% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,373 |
| Loan loss allowance to noncurrent loans | 77.1042% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 1,315 |
| Noncurrent loans to loans | 1.0948% | 1,519 |
| Net loans and leases to total assets | 80.3537% | 796 |
| Net loans and leases to deposits | 91.9635% | 1,406 |
| Net loans and leases to core deposits | 136.6158% | 225 |
| Total domestic deposits to total assets | 87.3757% | 1,622 |
| Equity capital to assets | 8.5240% | 4,972 |
| Core capital (leverage) ratio | 9.0980% | 4,576 |
| Tier 1 risk-based capital ratio | 11.1499% | 4,908 |
| Total risk-based capital ratio | 12.0441% | 4,971 |
| Memoranda: | ||
| Average total assets | $257,809,000 | 2,461 |
| Average earning assets | $238,443,000 | 2,466 |
| Average equity | $21,889,000 | 2,985 |
| Average total loans | $207,743,000 | 2,151 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 3,175 |
| Cost of funding earning assets | 1.0129% | 716 |
| Net interest margin | 3.2691% | 4,343 |
| Noninterest income to average assets | 0.3223% | 3,943 |
| Noninterest expense to average assets | 2.4635% | 3,720 |
| Loan and lease loss provision to assets | 0.1266% | 1,731 |
| Net operating income to assets | 0.5896% | 4,445 |
| Return on assets (ROA) | 0.5896% | 4,453 |
| Pretax return on assets | 0.7479% | 4,294 |
| Return on Equity (ROE) | 6.9871% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.9871% | 1,678 |
| Net charge-offs to loans | 0.1610% | 1,199 |
| Credit loss provision to net charge-offs | 96.9231% | 2,611 |
| Earnings coverage of net charge-offs (x) | 6.6954% | 3,063 |
| Efficiency ratio | 73.8021% | 1,649 |
| Assets per employee ($millions) | 5.1434% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,396 |
| Loan loss allowance to noncurrent loans | 97.0275% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 1,569 |
| Noncurrent loans to loans | 0.8653% | 1,865 |
| Net loans and leases to total assets | 79.4476% | 1,028 |
| Net loans and leases to deposits | 90.8997% | 1,685 |
| Net loans and leases to core deposits | 131.9997% | 287 |
| Total domestic deposits to total assets | 87.4014% | 1,585 |
| Equity capital to assets | 8.4566% | 4,962 |
| Core capital (leverage) ratio | 9.1389% | 4,525 |
| Tier 1 risk-based capital ratio | 11.2171% | 4,856 |
| Total risk-based capital ratio | 12.1078% | 4,928 |
| Memoranda: | ||
| Average total assets | $248,832,200 | 2,478 |
| Average earning assets | $229,544,200 | 2,488 |
| Average equity | $20,995,800 | 2,994 |
| Average total loans | $201,863,600 | 2,163 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 3,019 |
| Cost of funding earning assets | 0.9393% | 777 |
| Net interest margin | 3.3462% | 4,163 |
| Noninterest income to average assets | 0.3442% | 3,845 |
| Noninterest expense to average assets | 2.5445% | 3,459 |
| Loan and lease loss provision to assets | 0.1270% | 1,583 |
| Net operating income to assets | 0.5987% | 4,506 |
| Return on assets (ROA) | 0.5987% | 4,514 |
| Pretax return on assets | 0.7603% | 4,399 |
| Return on Equity (ROE) | 7.0998% | 3,898 |
| Retained earnings to average equity (ytd only) | 7.0998% | 2,078 |
| Net charge-offs to loans | 0.1746% | 955 |
| Credit loss provision to net charge-offs | 89.3536% | 2,431 |
| Earnings coverage of net charge-offs (x) | 6.2433% | 2,899 |
| Efficiency ratio | 74.1458% | 1,575 |
| Assets per employee ($millions) | 4.9619% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 4,482 |
| Loan loss allowance to noncurrent loans | 99.3035% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 1,675 |
| Noncurrent loans to loans | 0.8502% | 2,004 |
| Net loans and leases to total assets | 80.9965% | 871 |
| Net loans and leases to deposits | 95.4663% | 1,212 |
| Net loans and leases to core deposits | 140.1621% | 207 |
| Total domestic deposits to total assets | 84.8430% | 2,671 |
| Equity capital to assets | 8.6116% | 4,861 |
| Core capital (leverage) ratio | 8.8760% | 4,825 |
| Tier 1 risk-based capital ratio | 11.2646% | 4,921 |
| Total risk-based capital ratio | 12.1641% | 4,976 |
| Memoranda: | ||
| Average total assets | $246,747,250 | 2,511 |
| Average earning assets | $227,674,500 | 2,513 |
| Average equity | $20,807,750 | 3,039 |
| Average total loans | $200,817,750 | 2,176 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 3,058 |
| Cost of funding earning assets | 0.8937% | 753 |
| Net interest margin | 3.3251% | 4,178 |
| Noninterest income to average assets | 0.3532% | 3,803 |
| Noninterest expense to average assets | 2.5400% | 3,513 |
| Loan and lease loss provision to assets | 0.1015% | 1,917 |
| Net operating income to assets | 0.6236% | 4,428 |
| Return on assets (ROA) | 0.6236% | 4,430 |
| Pretax return on assets | 0.7933% | 4,264 |
| Return on Equity (ROE) | 7.4484% | 3,749 |
| Retained earnings to average equity (ytd only) | 7.4484% | 1,866 |
| Net charge-offs to loans | 0.0400% | 2,060 |
| Credit loss provision to net charge-offs | 312.5000% | 976 |
| Earnings coverage of net charge-offs (x) | 27.5500% | 1,577 |
| Efficiency ratio | 73.9480% | 1,713 |
| Assets per employee ($millions) | 5.1435% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 4,355 |
| Loan loss allowance to noncurrent loans | 49.7545% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6427% | 763 |
| Noncurrent loans to loans | 1.8024% | 864 |
| Net loans and leases to total assets | 79.9814% | 1,028 |
| Net loans and leases to deposits | 91.5115% | 1,642 |
| Net loans and leases to core deposits | 132.9120% | 280 |
| Total domestic deposits to total assets | 87.4003% | 1,684 |
| Equity capital to assets | 8.3391% | 5,055 |
| Core capital (leverage) ratio | 8.5419% | 5,078 |
| Tier 1 risk-based capital ratio | 10.9478% | 5,081 |
| Total risk-based capital ratio | 11.8947% | 5,108 |
| Memoranda: | ||
| Average total assets | $246,297,670 | 2,524 |
| Average earning assets | $228,266,000 | 2,522 |
| Average equity | $20,622,000 | 3,068 |
| Average total loans | $200,203,670 | 2,184 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 2,947 |
| Cost of funding earning assets | 0.8691% | 694 |
| Net interest margin | 3.3107% | 4,161 |
| Noninterest income to average assets | 0.3089% | 4,095 |
| Noninterest expense to average assets | 2.5190% | 3,585 |
| Loan and lease loss provision to assets | 0.1167% | 1,622 |
| Net operating income to assets | 0.5735% | 4,500 |
| Return on assets (ROA) | 0.5735% | 4,508 |
| Pretax return on assets | 0.7279% | 4,366 |
| Return on Equity (ROE) | 6.8349% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.8349% | 2,351 |
| Net charge-offs to loans | 0.0725% | 1,397 |
| Credit loss provision to net charge-offs | 197.2222% | 1,058 |
| Earnings coverage of net charge-offs (x) | 14.2778% | 1,717 |
| Efficiency ratio | 74.8901% | 1,761 |
| Assets per employee ($millions) | 4.7280% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,502 |
| Loan loss allowance to noncurrent loans | 36.9737% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 2.1444% | 500 |
| Noncurrent loans to loans | 2.3980% | 582 |
| Net loans and leases to total assets | 80.6622% | 841 |
| Net loans and leases to deposits | 92.3804% | 1,408 |
| Net loans and leases to core deposits | 136.2800% | 251 |
| Total domestic deposits to total assets | 87.3153% | 2,001 |
| Equity capital to assets | 8.3736% | 5,064 |
| Core capital (leverage) ratio | 8.5733% | 5,088 |
| Tier 1 risk-based capital ratio | 10.8773% | 5,199 |
| Total risk-based capital ratio | 11.8114% | 5,242 |
| Memoranda: | ||
| Average total assets | $243,431,500 | 2,565 |
| Average earning assets | $224,606,500 | 2,573 |
| Average equity | $20,424,500 | 3,116 |
| Average total loans | $198,605,000 | 2,205 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 3,106 |
| Cost of funding earning assets | 0.7038% | 1,001 |
| Net interest margin | 3.3807% | 3,908 |
| Noninterest income to average assets | 0.3282% | 4,123 |
| Noninterest expense to average assets | 2.4258% | 4,002 |
| Loan and lease loss provision to assets | 0.3376% | 488 |
| Net operating income to assets | 0.4440% | 4,554 |
| Return on assets (ROA) | 0.4440% | 4,580 |
| Pretax return on assets | 0.7137% | 4,479 |
| Return on Equity (ROE) | 5.5227% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.5227% | 1,804 |
| Net charge-offs to loans | 0.2994% | 871 |
| Credit loss provision to net charge-offs | 141.9966% | 1,866 |
| Earnings coverage of net charge-offs (x) | 4.4217% | 3,471 |
| Efficiency ratio | 69.7658% | 2,601 |
| Assets per employee ($millions) | 4.4631% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,553 |
| Loan loss allowance to noncurrent loans | 56.0606% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 925 |
| Noncurrent loans to loans | 1.5736% | 1,069 |
| Net loans and leases to total assets | 81.0699% | 822 |
| Net loans and leases to deposits | 92.1193% | 1,505 |
| Net loans and leases to core deposits | 136.1388% | 250 |
| Total domestic deposits to total assets | 88.0054% | 1,497 |
| Equity capital to assets | 8.4072% | 5,184 |
| Core capital (leverage) ratio | 8.7221% | 4,929 |
| Tier 1 risk-based capital ratio | 10.8824% | 5,212 |
| Total risk-based capital ratio | 11.8142% | 5,252 |
| Memoranda: | ||
| Average total assets | $244,376,400 | 2,533 |
| Average earning assets | $227,612,800 | 2,519 |
| Average equity | $19,646,200 | 3,184 |
| Average total loans | $194,057,800 | 2,208 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,175 |
| Cost of funding earning assets | 0.6744% | 1,097 |
| Net interest margin | 3.3761% | 3,930 |
| Noninterest income to average assets | 0.3262% | 4,204 |
| Noninterest expense to average assets | 2.4190% | 3,968 |
| Loan and lease loss provision to assets | 0.3670% | 399 |
| Net operating income to assets | 0.4567% | 4,863 |
| Return on assets (ROA) | 0.4567% | 4,894 |
| Pretax return on assets | 0.6922% | 4,628 |
| Return on Equity (ROE) | 5.7457% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.7457% | 2,404 |
| Net charge-offs to loans | 0.3973% | 535 |
| Credit loss provision to net charge-offs | 117.1875% | 2,042 |
| Earnings coverage of net charge-offs (x) | 3.3820% | 3,346 |
| Efficiency ratio | 69.5482% | 2,613 |
| Assets per employee ($millions) | 4.4439% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,891 |
| Loan loss allowance to noncurrent loans | 57.1582% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 1,159 |
| Noncurrent loans to loans | 1.4006% | 1,337 |
| Net loans and leases to total assets | 82.2583% | 640 |
| Net loans and leases to deposits | 93.4915% | 1,356 |
| Net loans and leases to core deposits | 134.6923% | 274 |
| Total domestic deposits to total assets | 87.9848% | 1,374 |
| Equity capital to assets | 8.3543% | 5,368 |
| Core capital (leverage) ratio | 8.5245% | 5,231 |
| Tier 1 risk-based capital ratio | 10.6691% | 5,384 |
| Total risk-based capital ratio | 11.5161% | 5,468 |
| Memoranda: | ||
| Average total assets | $245,218,500 | 2,542 |
| Average earning assets | $228,934,500 | 2,530 |
| Average equity | $19,492,250 | 3,222 |
| Average total loans | $193,291,250 | 2,228 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,458 |
| Cost of funding earning assets | 0.6589% | 1,095 |
| Net interest margin | 3.2679% | 4,216 |
| Noninterest income to average assets | 0.3142% | 4,288 |
| Noninterest expense to average assets | 2.3598% | 4,186 |
| Loan and lease loss provision to assets | 0.3644% | 387 |
| Net operating income to assets | 0.4292% | 4,900 |
| Return on assets (ROA) | 0.4292% | 4,926 |
| Pretax return on assets | 0.6503% | 4,684 |
| Return on Equity (ROE) | 5.4902% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.4902% | 2,414 |
| Net charge-offs to loans | 0.6019% | 330 |
| Credit loss provision to net charge-offs | 78.1250% | 2,282 |
| Earnings coverage of net charge-offs (x) | 2.1753% | 3,195 |
| Efficiency ratio | 69.9304% | 2,688 |
| Assets per employee ($millions) | 4.6333% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 5,184 |
| Loan loss allowance to noncurrent loans | 49.2801% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 1,277 |
| Noncurrent loans to loans | 1.4444% | 1,315 |
| Net loans and leases to total assets | 76.3248% | 1,496 |
| Net loans and leases to deposits | 86.1032% | 2,203 |
| Net loans and leases to core deposits | 115.2267% | 744 |
| Total domestic deposits to total assets | 88.6434% | 1,135 |
| Equity capital to assets | 7.8909% | 5,578 |
| Core capital (leverage) ratio | 8.0014% | 5,524 |
| Tier 1 risk-based capital ratio | 10.7208% | 5,371 |
| Total risk-based capital ratio | 11.4637% | 5,507 |
| Memoranda: | ||
| Average total assets | $246,967,330 | 2,541 |
| Average earning assets | $231,283,330 | 2,513 |
| Average equity | $19,307,000 | 3,245 |
| Average total loans | $191,391,670 | 2,248 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,339 |
| Cost of funding earning assets | 0.6514% | 1,070 |
| Net interest margin | 3.2656% | 4,123 |
| Noninterest income to average assets | 0.3570% | 3,985 |
| Noninterest expense to average assets | 2.3591% | 4,233 |
| Loan and lease loss provision to assets | 0.4076% | 271 |
| Net operating income to assets | 0.4369% | 4,828 |
| Return on assets (ROA) | 0.4369% | 4,852 |
| Pretax return on assets | 0.6635% | 4,552 |
| Return on Equity (ROE) | 5.6158% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.6158% | 2,535 |
| Net charge-offs to loans | 0.0419% | 1,989 |
| Credit loss provision to net charge-offs | 1,250.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 32.8500% | 1,162 |
| Efficiency ratio | 68.7738% | 3,086 |
| Assets per employee ($millions) | 5.0270% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,743 |
| Loan loss allowance to noncurrent loans | 42.0488% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 772 |
| Noncurrent loans to loans | 2.1506% | 801 |
| Net loans and leases to total assets | 75.1618% | 1,549 |
| Net loans and leases to deposits | 84.6617% | 2,201 |
| Net loans and leases to core deposits | 113.3620% | 710 |
| Total domestic deposits to total assets | 88.7790% | 1,270 |
| Equity capital to assets | 7.7509% | 5,612 |
| Core capital (leverage) ratio | 8.1109% | 5,504 |
| Tier 1 risk-based capital ratio | 10.4422% | 5,566 |
| Total risk-based capital ratio | 11.3657% | 5,623 |
| Memoranda: | ||
| Average total assets | $245,351,500 | 2,575 |
| Average earning assets | $230,893,000 | 2,543 |
| Average equity | $19,089,000 | 3,278 |
| Average total loans | $190,921,000 | 2,266 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 3,038 |
| Cost of funding earning assets | 0.5953% | 1,372 |
| Net interest margin | 3.4513% | 3,624 |
| Noninterest income to average assets | 0.1998% | 5,217 |
| Noninterest expense to average assets | 2.5108% | 3,970 |
| Loan and lease loss provision to assets | 0.3661% | 453 |
| Net operating income to assets | 0.3001% | 5,218 |
| Return on assets (ROA) | 0.3001% | 5,286 |
| Pretax return on assets | 0.5310% | 4,964 |
| Return on Equity (ROE) | 3.6685% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.6685% | 3,304 |
| Net charge-offs to loans | 0.2293% | 1,209 |
| Credit loss provision to net charge-offs | 199.7567% | 1,423 |
| Earnings coverage of net charge-offs (x) | 4.8954% | 3,426 |
| Efficiency ratio | 73.6753% | 2,329 |
| Assets per employee ($millions) | 4.9842% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 5,156 |
| Loan loss allowance to noncurrent loans | 36.5907% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.9144% | 741 |
| Noncurrent loans to loans | 2.1355% | 806 |
| Net loans and leases to total assets | 79.2944% | 992 |
| Net loans and leases to deposits | 87.4023% | 2,001 |
| Net loans and leases to core deposits | 119.8928% | 486 |
| Total domestic deposits to total assets | 90.7235% | 381 |
| Equity capital to assets | 7.7679% | 5,646 |
| Core capital (leverage) ratio | 8.0430% | 5,600 |
| Tier 1 risk-based capital ratio | 9.9244% | 5,755 |
| Total risk-based capital ratio | 10.7222% | 5,813 |
| Memoranda: | ||
| Average total assets | $224,272,800 | 2,720 |
| Average earning assets | $208,469,800 | 2,712 |
| Average equity | $18,345,600 | 3,364 |
| Average total loans | $179,237,200 | 2,321 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,061 |
| Cost of funding earning assets | 0.5676% | 1,562 |
| Net interest margin | 3.4765% | 3,553 |
| Noninterest income to average assets | 0.3386% | 4,356 |
| Noninterest expense to average assets | 2.5544% | 3,812 |
| Loan and lease loss provision to assets | 0.3023% | 555 |
| Net operating income to assets | 0.4679% | 4,810 |
| Return on assets (ROA) | 0.4679% | 4,886 |
| Pretax return on assets | 0.7110% | 4,581 |
| Return on Equity (ROE) | 5.6435% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.6435% | 2,405 |
| Net charge-offs to loans | 0.1475% | 1,520 |
| Credit loss provision to net charge-offs | 256.4103% | 1,178 |
| Earnings coverage of net charge-offs (x) | 8.5950% | 2,749 |
| Efficiency ratio | 71.5980% | 2,629 |
| Assets per employee ($millions) | 5.2799% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 5,307 |
| Loan loss allowance to noncurrent loans | 36.6201% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 1.9027% | 840 |
| Noncurrent loans to loans | 2.0649% | 939 |
| Net loans and leases to total assets | 71.9313% | 2,204 |
| Net loans and leases to deposits | 80.6861% | 2,885 |
| Net loans and leases to core deposits | 109.8776% | 923 |
| Total domestic deposits to total assets | 89.1495% | 823 |
| Equity capital to assets | 7.3845% | 5,855 |
| Core capital (leverage) ratio | 8.7697% | 5,082 |
| Tier 1 risk-based capital ratio | 10.0910% | 5,765 |
| Total risk-based capital ratio | 10.8404% | 5,855 |
| Memoranda: | ||
| Average total assets | $220,531,000 | 2,763 |
| Average earning assets | $204,837,250 | 2,753 |
| Average equity | $18,286,000 | 3,395 |
| Average total loans | $176,247,000 | 2,352 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1665% | 2,614 |
| Cost of funding earning assets | 0.5805% | 1,467 |
| Net interest margin | 3.5860% | 3,154 |
| Noninterest income to average assets | 0.3560% | 4,227 |
| Noninterest expense to average assets | 2.6894% | 3,432 |
| Loan and lease loss provision to assets | 0.3340% | 494 |
| Net operating income to assets | 0.4352% | 4,922 |
| Return on assets (ROA) | 0.4352% | 5,008 |
| Pretax return on assets | 0.6576% | 4,746 |
| Return on Equity (ROE) | 5.0267% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.0267% | 2,725 |
| Net charge-offs to loans | 0.2233% | 1,046 |
| Credit loss provision to net charge-offs | 180.4124% | 1,401 |
| Earnings coverage of net charge-offs (x) | 5.3557% | 2,870 |
| Efficiency ratio | 73.0620% | 2,507 |
| Assets per employee ($millions) | 4.1086% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 5,517 |
| Loan loss allowance to noncurrent loans | 30.1997% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 2.6642% | 492 |
| Noncurrent loans to loans | 2.3200% | 782 |
| Net loans and leases to total assets | 85.5507% | 285 |
| Net loans and leases to deposits | 98.5466% | 831 |
| Net loans and leases to core deposits | 142.3359% | 166 |
| Total domestic deposits to total assets | 86.8124% | 2,005 |
| Equity capital to assets | 8.9603% | 5,267 |
| Core capital (leverage) ratio | 8.7377% | 5,126 |
| Tier 1 risk-based capital ratio | 10.7515% | 5,551 |
| Total risk-based capital ratio | 11.4758% | 5,708 |
| Memoranda: | ||
| Average total assets | $209,563,000 | 2,890 |
| Average earning assets | $194,313,670 | 2,877 |
| Average equity | $18,143,000 | 3,424 |
| Average total loans | $173,766,670 | 2,380 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,257 |
| Cost of funding earning assets | 0.5555% | 1,654 |
| Net interest margin | 3.4348% | 3,741 |
| Noninterest income to average assets | 0.3062% | 4,536 |
| Noninterest expense to average assets | 2.6140% | 3,708 |
| Loan and lease loss provision to assets | 0.3780% | 379 |
| Net operating income to assets | 0.3364% | 5,193 |
| Return on assets (ROA) | 0.3364% | 5,280 |
| Pretax return on assets | 0.5047% | 5,076 |
| Return on Equity (ROE) | 3.9531% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.9531% | 3,516 |
| Net charge-offs to loans | 0.4577% | 491 |
| Credit loss provision to net charge-offs | 101.5228% | 1,602 |
| Earnings coverage of net charge-offs (x) | 2.3706% | 2,690 |
| Efficiency ratio | 74.7568% | 2,364 |
| Assets per employee ($millions) | 4.7543% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 5,711 |
| Loan loss allowance to noncurrent loans | 27.4263% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.5990% | 554 |
| Noncurrent loans to loans | 2.2787% | 883 |
| Net loans and leases to total assets | 79.1042% | 936 |
| Net loans and leases to deposits | 89.7619% | 1,602 |
| Net loans and leases to core deposits | 119.7431% | 472 |
| Total domestic deposits to total assets | 88.1266% | 1,574 |
| Equity capital to assets | 8.2849% | 5,704 |
| Core capital (leverage) ratio | 8.8624% | 5,010 |
| Tier 1 risk-based capital ratio | 10.4672% | 5,766 |
| Total risk-based capital ratio | 11.0958% | 5,917 |
| Memoranda: | ||
| Average total assets | $211,630,500 | 2,879 |
| Average earning assets | $196,577,500 | 2,863 |
| Average equity | $18,011,000 | 3,435 |
| Average total loans | $172,157,500 | 2,385 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 2,548 |
| Cost of funding earning assets | 0.5777% | 1,519 |
| Net interest margin | 3.6247% | 3,038 |
| Noninterest income to average assets | 0.3699% | 4,265 |
| Noninterest expense to average assets | 2.5856% | 3,973 |
| Loan and lease loss provision to assets | 0.2137% | 972 |
| Net operating income to assets | 0.6137% | 4,206 |
| Return on assets (ROA) | 0.6137% | 4,301 |
| Pretax return on assets | 0.9297% | 3,729 |
| Return on Equity (ROE) | 7.1470% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.1470% | 1,215 |
| Net charge-offs to loans | 0.1346% | 2,015 |
| Credit loss provision to net charge-offs | 195.3488% | 1,423 |
| Earnings coverage of net charge-offs (x) | 10.4512% | 2,684 |
| Efficiency ratio | 69.3368% | 3,335 |
| Assets per employee ($millions) | 4.2617% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 5,744 |
| Loan loss allowance to noncurrent loans | 20.9915% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 2.5743% | 589 |
| Noncurrent loans to loans | 3.0336% | 522 |
| Net loans and leases to total assets | 82.6854% | 520 |
| Net loans and leases to deposits | 95.0990% | 1,102 |
| Net loans and leases to core deposits | 133.2485% | 228 |
| Total domestic deposits to total assets | 86.9467% | 2,164 |
| Equity capital to assets | 8.7519% | 5,348 |
| Core capital (leverage) ratio | 8.6106% | 5,320 |
| Tier 1 risk-based capital ratio | 10.7136% | 5,665 |
| Total risk-based capital ratio | 11.3625% | 5,852 |
| Memoranda: | ||
| Average total assets | $196,514,400 | 2,979 |
| Average earning assets | $182,110,400 | 2,978 |
| Average equity | $16,874,200 | 3,546 |
| Average total loans | $159,771,200 | 2,475 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,384 |
| Cost of funding earning assets | 0.5807% | 1,538 |
| Net interest margin | 3.6753% | 2,865 |
| Noninterest income to average assets | 0.3907% | 4,148 |
| Noninterest expense to average assets | 2.5980% | 3,889 |
| Loan and lease loss provision to assets | 0.1782% | 1,179 |
| Net operating income to assets | 0.6780% | 4,000 |
| Return on assets (ROA) | 0.6780% | 4,111 |
| Pretax return on assets | 1.0159% | 3,551 |
| Return on Equity (ROE) | 7.9354% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.9354% | 1,261 |
| Net charge-offs to loans | 0.0670% | 2,611 |
| Credit loss provision to net charge-offs | 329.1139% | 891 |
| Earnings coverage of net charge-offs (x) | 22.0508% | 1,801 |
| Efficiency ratio | 68.5105% | 3,450 |
| Assets per employee ($millions) | 4.3998% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 5,833 |
| Loan loss allowance to noncurrent loans | 36.2393% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 1.5289% | 1,461 |
| Noncurrent loans to loans | 1.7693% | 1,346 |
| Net loans and leases to total assets | 82.9662% | 477 |
| Net loans and leases to deposits | 95.7662% | 1,032 |
| Net loans and leases to core deposits | 139.5782% | 171 |
| Total domestic deposits to total assets | 86.6341% | 2,218 |
| Equity capital to assets | 8.9283% | 5,372 |
| Core capital (leverage) ratio | 9.1113% | 4,859 |
| Tier 1 risk-based capital ratio | 10.8149% | 5,751 |
| Total risk-based capital ratio | 11.4636% | 5,921 |
| Memoranda: | ||
| Average total assets | $194,502,500 | 3,024 |
| Average earning assets | $180,005,750 | 3,024 |
| Average equity | $16,617,000 | 3,609 |
| Average total loans | $157,157,250 | 2,514 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,472 |
| Cost of funding earning assets | 0.5861% | 1,515 |
| Net interest margin | 3.6349% | 2,960 |
| Noninterest income to average assets | 0.4169% | 3,948 |
| Noninterest expense to average assets | 2.5727% | 3,995 |
| Loan and lease loss provision to assets | 0.1759% | 1,182 |
| Net operating income to assets | 0.6869% | 3,953 |
| Return on assets (ROA) | 0.6869% | 4,068 |
| Pretax return on assets | 1.0303% | 3,459 |
| Return on Equity (ROE) | 8.1654% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.1654% | 1,202 |
| Net charge-offs to loans | 0.1036% | 1,970 |
| Credit loss provision to net charge-offs | 212.5000% | 1,173 |
| Earnings coverage of net charge-offs (x) | 14.5750% | 2,048 |
| Efficiency ratio | 68.0810% | 3,655 |
| Assets per employee ($millions) | 4.4209% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 5,950 |
| Loan loss allowance to noncurrent loans | 37.4323% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 1,890 |
| Noncurrent loans to loans | 1.6382% | 1,596 |
| Net loans and leases to total assets | 80.6523% | 718 |
| Net loans and leases to deposits | 92.5526% | 1,311 |
| Net loans and leases to core deposits | 130.2580% | 269 |
| Total domestic deposits to total assets | 87.1421% | 2,085 |
| Equity capital to assets | 8.8799% | 5,363 |
| Core capital (leverage) ratio | 8.8657% | 5,139 |
| Tier 1 risk-based capital ratio | 10.9632% | 5,729 |
| Total risk-based capital ratio | 11.5783% | 5,927 |
| Memoranda: | ||
| Average total assets | $193,340,330 | 3,059 |
| Average earning assets | $178,820,330 | 3,058 |
| Average equity | $16,263,670 | 3,684 |
| Average total loans | $154,435,000 | 2,561 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,669 |
| Cost of funding earning assets | 0.5893% | 1,512 |
| Net interest margin | 3.5516% | 3,220 |
| Noninterest income to average assets | 0.3881% | 4,102 |
| Noninterest expense to average assets | 2.5089% | 4,237 |
| Loan and lease loss provision to assets | 0.1660% | 1,207 |
| Net operating income to assets | 0.6620% | 3,999 |
| Return on assets (ROA) | 0.6620% | 4,123 |
| Pretax return on assets | 1.0023% | 3,492 |
| Return on Equity (ROE) | 8.0970% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.0970% | 1,532 |
| Net charge-offs to loans | 0.0105% | 2,982 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 140.7500% | 376 |
| Efficiency ratio | 68.2280% | 3,787 |
| Assets per employee ($millions) | 4.6372% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 6,019 |
| Loan loss allowance to noncurrent loans | 32.9993% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 1.7604% | 1,398 |
| Noncurrent loans to loans | 1.9056% | 1,412 |
| Net loans and leases to total assets | 79.3778% | 759 |
| Net loans and leases to deposits | 87.5709% | 1,661 |
| Net loans and leases to core deposits | 125.3984% | 303 |
| Total domestic deposits to total assets | 90.6440% | 479 |
| Equity capital to assets | 8.8920% | 5,403 |
| Core capital (leverage) ratio | 8.7355% | 5,284 |
| Tier 1 risk-based capital ratio | 11.1302% | 5,748 |
| Total risk-based capital ratio | 11.7596% | 5,954 |
| Memoranda: | ||
| Average total assets | $192,751,000 | 3,083 |
| Average earning assets | $178,512,500 | 3,079 |
| Average equity | $15,759,000 | 3,791 |
| Average total loans | $152,726,500 | 2,585 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 2,014 |
| Cost of funding earning assets | 0.6412% | 1,461 |
| Net interest margin | 3.8231% | 2,537 |
| Noninterest income to average assets | 0.2241% | 5,523 |
| Noninterest expense to average assets | 2.5464% | 4,405 |
| Loan and lease loss provision to assets | 0.1794% | 1,433 |
| Net operating income to assets | 0.6810% | 3,985 |
| Return on assets (ROA) | 0.6810% | 4,101 |
| Pretax return on assets | 1.0189% | 3,423 |
| Return on Equity (ROE) | 8.3874% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.3874% | 877 |
| Net charge-offs to loans | 0.2313% | 1,822 |
| Credit loss provision to net charge-offs | 96.2617% | 2,511 |
| Earnings coverage of net charge-offs (x) | 6.4299% | 3,201 |
| Efficiency ratio | 68.0000% | 3,903 |
| Assets per employee ($millions) | 4.6518% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5723% | 6,180 |
| Loan loss allowance to noncurrent loans | 26.5719% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.6931% | 1,579 |
| Noncurrent loans to loans | 2.1539% | 1,253 |
| Net loans and leases to total assets | 78.1576% | 980 |
| Net loans and leases to deposits | 86.2514% | 1,946 |
| Net loans and leases to core deposits | 121.0720% | 387 |
| Total domestic deposits to total assets | 90.6161% | 489 |
| Equity capital to assets | 7.4789% | 6,239 |
| Core capital (leverage) ratio | 7.8056% | 6,094 |
| Tier 1 risk-based capital ratio | 9.7173% | 6,320 |
| Total risk-based capital ratio | 10.3021% | 6,390 |
| Memoranda: | ||
| Average total assets | $172,240,600 | 3,306 |
| Average earning assets | $158,615,400 | 3,305 |
| Average equity | $13,985,200 | 4,027 |
| Average total loans | $138,807,200 | 2,727 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,843 |
| Cost of funding earning assets | 0.6579% | 1,406 |
| Net interest margin | 3.8491% | 2,437 |
| Noninterest income to average assets | 0.1722% | 5,891 |
| Noninterest expense to average assets | 2.6232% | 4,114 |
| Loan and lease loss provision to assets | 0.1946% | 1,236 |
| Net operating income to assets | 0.5943% | 4,465 |
| Return on assets (ROA) | 0.5943% | 4,552 |
| Pretax return on assets | 0.8875% | 4,042 |
| Return on Equity (ROE) | 7.1541% | 3,634 |
| Retained earnings to average equity (ytd only) | 7.1541% | 1,736 |
| Net charge-offs to loans | 0.3158% | 1,262 |
| Credit loss provision to net charge-offs | 75.9375% | 2,673 |
| Earnings coverage of net charge-offs (x) | 4.2218% | 3,510 |
| Efficiency ratio | 70.7955% | 3,371 |
| Assets per employee ($millions) | 4.3766% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5534% | 6,281 |
| Loan loss allowance to noncurrent loans | 28.4123% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 1,898 |
| Noncurrent loans to loans | 1.9477% | 1,637 |
| Net loans and leases to total assets | 81.7216% | 539 |
| Net loans and leases to deposits | 92.5799% | 1,173 |
| Net loans and leases to core deposits | 136.6412% | 173 |
| Total domestic deposits to total assets | 88.2714% | 1,620 |
| Equity capital to assets | 7.9090% | 6,178 |
| Core capital (leverage) ratio | 8.0348% | 6,047 |
| Tier 1 risk-based capital ratio | 9.9903% | 6,351 |
| Total risk-based capital ratio | 10.5653% | 6,440 |
| Memoranda: | ||
| Average total assets | $166,456,500 | 3,415 |
| Average earning assets | $152,795,750 | 3,419 |
| Average equity | $13,828,500 | 4,071 |
| Average total loans | $135,113,750 | 2,788 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 1,930 |
| Cost of funding earning assets | 0.6661% | 1,402 |
| Net interest margin | 3.8035% | 2,562 |
| Noninterest income to average assets | 0.2233% | 5,608 |
| Noninterest expense to average assets | 2.6275% | 4,145 |
| Loan and lease loss provision to assets | 0.1542% | 1,604 |
| Net operating income to assets | 0.6156% | 4,272 |
| Return on assets (ROA) | 0.6156% | 4,373 |
| Pretax return on assets | 0.9215% | 3,800 |
| Return on Equity (ROE) | 7.2808% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.2808% | 1,626 |
| Net charge-offs to loans | 0.4366% | 937 |
| Credit loss provision to net charge-offs | 43.7063% | 2,882 |
| Earnings coverage of net charge-offs (x) | 3.0490% | 3,399 |
| Efficiency ratio | 70.9527% | 3,503 |
| Assets per employee ($millions) | 4.1820% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5279% | 6,388 |
| Loan loss allowance to noncurrent loans | 51.3703% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 3,058 |
| Noncurrent loans to loans | 1.0276% | 3,179 |
| Net loans and leases to total assets | 80.3350% | 647 |
| Net loans and leases to deposits | 90.7937% | 1,290 |
| Net loans and leases to core deposits | 135.3324% | 176 |
| Total domestic deposits to total assets | 88.4808% | 1,649 |
| Equity capital to assets | 8.1406% | 6,070 |
| Core capital (leverage) ratio | 8.5915% | 5,538 |
| Tier 1 risk-based capital ratio | 10.4194% | 6,273 |
| Total risk-based capital ratio | 10.9660% | 6,448 |
| Memoranda: | ||
| Average total assets | $162,128,330 | 3,509 |
| Average earning assets | $148,335,670 | 3,514 |
| Average equity | $13,707,330 | 4,099 |
| Average total loans | $130,999,000 | 2,856 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 1,835 |
| Cost of funding earning assets | 0.6783% | 1,378 |
| Net interest margin | 3.8141% | 2,411 |
| Noninterest income to average assets | 0.2210% | 5,588 |
| Noninterest expense to average assets | 2.6013% | 4,266 |
| Loan and lease loss provision to assets | 0.1270% | 1,915 |
| Net operating income to assets | 0.6452% | 3,972 |
| Return on assets (ROA) | 0.6452% | 4,065 |
| Pretax return on assets | 0.9780% | 3,414 |
| Return on Equity (ROE) | 7.4805% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.4805% | 1,828 |
| Net charge-offs to loans | 0.1320% | 1,921 |
| Credit loss provision to net charge-offs | 119.0476% | 1,463 |
| Earnings coverage of net charge-offs (x) | 10.3571% | 1,868 |
| Efficiency ratio | 70.1851% | 3,806 |
| Assets per employee ($millions) | 4.5513% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 6,301 |
| Loan loss allowance to noncurrent loans | 53.1601% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 2,839 |
| Noncurrent loans to loans | 1.2898% | 2,878 |
| Net loans and leases to total assets | 81.8386% | 367 |
| Net loans and leases to deposits | 90.0858% | 1,136 |
| Net loans and leases to core deposits | 123.8919% | 260 |
| Total domestic deposits to total assets | 90.8452% | 626 |
| Equity capital to assets | 8.6074% | 5,540 |
| Core capital (leverage) ratio | 8.6882% | 5,400 |
| Tier 1 risk-based capital ratio | 11.0134% | 6,150 |
| Total risk-based capital ratio | 11.7376% | 6,299 |
| Memoranda: | ||
| Average total assets | $157,461,500 | 3,597 |
| Average earning assets | $143,888,500 | 3,625 |
| Average equity | $13,582,000 | 4,132 |
| Average total loans | $127,261,000 | 2,917 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,919 |
| Cost of funding earning assets | 0.7187% | 1,685 |
| Net interest margin | 3.5923% | 3,496 |
| Noninterest income to average assets | 0.2316% | 5,690 |
| Noninterest expense to average assets | 2.4183% | 5,022 |
| Loan and lease loss provision to assets | 0.1662% | 2,200 |
| Net operating income to assets | 0.6170% | 4,182 |
| Return on assets (ROA) | 0.6170% | 4,294 |
| Pretax return on assets | 0.9206% | 3,678 |
| Return on Equity (ROE) | 7.2313% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.2313% | 1,347 |
| Net charge-offs to loans | 0.1131% | 3,687 |
| Credit loss provision to net charge-offs | 206.5041% | 1,113 |
| Earnings coverage of net charge-offs (x) | 13.5041% | 2,016 |
| Efficiency ratio | 68.9938% | 4,018 |
| Assets per employee ($millions) | 4.4465% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7237% | 6,316 |
| Loan loss allowance to noncurrent loans | 39.5390% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.6032% | 2,316 |
| Noncurrent loans to loans | 1.8303% | 2,196 |
| Net loans and leases to total assets | 78.6267% | 751 |
| Net loans and leases to deposits | 89.6763% | 1,262 |
| Net loans and leases to core deposits | 120.4568% | 321 |
| Total domestic deposits to total assets | 87.6784% | 2,378 |
| Equity capital to assets | 8.6443% | 5,431 |
| Core capital (leverage) ratio | 8.5060% | 5,663 |
| Tier 1 risk-based capital ratio | 11.3598% | 5,990 |
| Total risk-based capital ratio | 12.1144% | 6,185 |
| Memoranda: | ||
| Average total assets | $152,837,200 | 3,660 |
| Average earning assets | $139,269,800 | 3,678 |
| Average equity | $13,040,600 | 4,258 |
| Average total loans | $108,729,600 | 3,268 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 3,170 |
| Cost of funding earning assets | 0.7265% | 1,761 |
| Net interest margin | 3.5303% | 3,756 |
| Noninterest income to average assets | 0.2392% | 5,722 |
| Noninterest expense to average assets | 2.4214% | 4,954 |
| Loan and lease loss provision to assets | 0.1131% | 2,882 |
| Net operating income to assets | 0.6135% | 4,291 |
| Return on assets (ROA) | 0.6135% | 4,417 |
| Pretax return on assets | 0.9158% | 3,810 |
| Return on Equity (ROE) | 7.2140% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.2140% | 1,783 |
| Net charge-offs to loans | 0.0076% | 5,013 |
| Credit loss provision to net charge-offs | 2,150.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 195.6613% | 299 |
| Efficiency ratio | 70.1803% | 3,732 |
| Assets per employee ($millions) | 4.8669% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 6,354 |
| Loan loss allowance to noncurrent loans | 78.8582% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 3,927 |
| Noncurrent loans to loans | 0.9621% | 3,889 |
| Net loans and leases to total assets | 74.2500% | 1,255 |
| Net loans and leases to deposits | 81.5689% | 2,194 |
| Net loans and leases to core deposits | 108.1033% | 663 |
| Total domestic deposits to total assets | 91.0274% | 520 |
| Equity capital to assets | 8.4847% | 5,751 |
| Core capital (leverage) ratio | 8.5666% | 5,703 |
| Tier 1 risk-based capital ratio | 11.7314% | 5,931 |
| Total risk-based capital ratio | 12.5179% | 6,127 |
| Memoranda: | ||
| Average total assets | $152,139,250 | 3,703 |
| Average earning assets | $138,378,000 | 3,727 |
| Average equity | $12,937,500 | 4,321 |
| Average total loans | $105,097,500 | 3,365 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,252 |
| Cost of funding earning assets | 0.7481% | 1,723 |
| Net interest margin | 3.4794% | 3,876 |
| Noninterest income to average assets | 0.2465% | 5,684 |
| Noninterest expense to average assets | 2.3877% | 5,088 |
| Loan and lease loss provision to assets | 0.1524% | 2,417 |
| Net operating income to assets | 0.5804% | 4,402 |
| Return on assets (ROA) | 0.5804% | 4,576 |
| Pretax return on assets | 0.8679% | 4,031 |
| Return on Equity (ROE) | 6.8196% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.8196% | 1,972 |
| Net charge-offs to loans | -0.0079% | 5,722 |
| Credit loss provision to net charge-offs | -2,875.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0622% | 3,813 |
| Assets per employee ($millions) | 4.3938% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,251 |
| Loan loss allowance to noncurrent loans | 28.1010% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 2.3408% | 1,837 |
| Noncurrent loans to loans | 3.0261% | 1,471 |
| Net loans and leases to total assets | 70.6831% | 1,768 |
| Net loans and leases to deposits | 78.0663% | 2,565 |
| Net loans and leases to core deposits | 99.9035% | 1,084 |
| Total domestic deposits to total assets | 90.5424% | 733 |
| Equity capital to assets | 8.9265% | 5,296 |
| Core capital (leverage) ratio | 8.7688% | 5,329 |
| Tier 1 risk-based capital ratio | 12.1153% | 5,728 |
| Total risk-based capital ratio | 12.9393% | 5,952 |
| Memoranda: | ||
| Average total assets | $150,939,000 | 3,748 |
| Average earning assets | $137,149,330 | 3,775 |
| Average equity | $12,845,330 | 4,366 |
| Average total loans | $101,289,670 | 3,449 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,869 |
| Cost of funding earning assets | 0.7539% | 1,816 |
| Net interest margin | 3.3113% | 4,479 |
| Noninterest income to average assets | 0.2287% | 5,832 |
| Noninterest expense to average assets | 2.3260% | 5,350 |
| Loan and lease loss provision to assets | 0.0676% | 3,511 |
| Net operating income to assets | 0.5666% | 4,377 |
| Return on assets (ROA) | 0.5666% | 4,527 |
| Pretax return on assets | 0.8602% | 3,912 |
| Return on Equity (ROE) | 6.8144% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.8144% | 2,248 |
| Net charge-offs to loans | -0.0120% | 5,507 |
| Credit loss provision to net charge-offs | -866.6667% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4856% | 3,718 |
| Assets per employee ($millions) | 4.8322% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 6,469 |
| Loan loss allowance to noncurrent loans | 125.5556% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 4,943 |
| Noncurrent loans to loans | 0.6301% | 4,868 |
| Net loans and leases to total assets | 64.1518% | 2,677 |
| Net loans and leases to deposits | 70.3143% | 3,426 |
| Net loans and leases to core deposits | 91.5085% | 1,556 |
| Total domestic deposits to total assets | 91.2359% | 431 |
| Equity capital to assets | 8.3444% | 6,156 |
| Core capital (leverage) ratio | 8.3842% | 5,728 |
| Tier 1 risk-based capital ratio | 12.4736% | 5,595 |
| Total risk-based capital ratio | 13.2406% | 5,881 |
| Memoranda: | ||
| Average total assets | $153,911,000 | 3,745 |
| Average earning assets | $140,608,000 | 3,757 |
| Average equity | $12,796,500 | 4,421 |
| Average total loans | $100,251,500 | 3,496 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 3,415 |
| Cost of funding earning assets | 1.0053% | 1,330 |
| Net interest margin | 3.4880% | 4,540 |
| Noninterest income to average assets | 0.2316% | 5,789 |
| Noninterest expense to average assets | 2.2991% | 5,692 |
| Loan and lease loss provision to assets | 0.1915% | 3,240 |
| Net operating income to assets | 0.6368% | 4,053 |
| Return on assets (ROA) | 0.6368% | 4,321 |
| Pretax return on assets | 0.9348% | 3,794 |
| Return on Equity (ROE) | 7.2705% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.2705% | 1,440 |
| Net charge-offs to loans | 0.3844% | 2,715 |
| Credit loss provision to net charge-offs | 71.0875% | 4,124 |
| Earnings coverage of net charge-offs (x) | 4.1804% | 3,450 |
| Efficiency ratio | 67.1187% | 4,306 |
| Assets per employee ($millions) | 4.7873% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 6,559 |
| Loan loss allowance to noncurrent loans | 85.2184% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 4,580 |
| Noncurrent loans to loans | 0.8884% | 4,398 |
| Net loans and leases to total assets | 65.1163% | 2,691 |
| Net loans and leases to deposits | 71.3306% | 3,517 |
| Net loans and leases to core deposits | 99.5758% | 1,051 |
| Total domestic deposits to total assets | 91.2881% | 403 |
| Equity capital to assets | 8.2837% | 6,215 |
| Core capital (leverage) ratio | 8.3366% | 5,844 |
| Tier 1 risk-based capital ratio | 12.1146% | 5,708 |
| Total risk-based capital ratio | 12.8437% | 5,997 |
| Memoranda: | ||
| Average total assets | $139,923,400 | 3,957 |
| Average earning assets | $128,124,000 | 3,941 |
| Average equity | $12,255,000 | 4,517 |
| Average total loans | $98,070,000 | 3,570 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 3,251 |
| Cost of funding earning assets | 1.0365% | 1,361 |
| Net interest margin | 3.5532% | 4,426 |
| Noninterest income to average assets | 0.2284% | 5,915 |
| Noninterest expense to average assets | 2.2936% | 5,697 |
| Loan and lease loss provision to assets | 0.1640% | 3,468 |
| Net operating income to assets | 0.7008% | 3,916 |
| Return on assets (ROA) | 0.7008% | 4,157 |
| Pretax return on assets | 1.0297% | 3,602 |
| Return on Equity (ROE) | 7.8815% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.8815% | 1,671 |
| Net charge-offs to loans | 0.0903% | 4,474 |
| Credit loss provision to net charge-offs | 254.5455% | 1,078 |
| Earnings coverage of net charge-offs (x) | 18.5299% | 1,549 |
| Efficiency ratio | 65.7711% | 4,490 |
| Assets per employee ($millions) | 4.6753% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 6,245 |
| Loan loss allowance to noncurrent loans | 73.6522% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 3,569 |
| Noncurrent loans to loans | 1.2906% | 3,887 |
| Net loans and leases to total assets | 72.0665% | 1,543 |
| Net loans and leases to deposits | 79.5891% | 2,460 |
| Net loans and leases to core deposits | 110.1066% | 567 |
| Total domestic deposits to total assets | 90.5481% | 580 |
| Equity capital to assets | 8.9321% | 5,891 |
| Core capital (leverage) ratio | 8.9427% | 5,137 |
| Tier 1 risk-based capital ratio | 12.0533% | 5,908 |
| Total risk-based capital ratio | 12.9907% | 6,068 |
| Memoranda: | ||
| Average total assets | $136,606,250 | 4,048 |
| Average earning assets | $125,292,250 | 4,034 |
| Average equity | $12,146,250 | 4,576 |
| Average total loans | $97,459,000 | 3,624 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 3,656 |
| Cost of funding earning assets | 1.0535% | 1,450 |
| Net interest margin | 3.4733% | 4,789 |
| Noninterest income to average assets | 0.2260% | 5,952 |
| Noninterest expense to average assets | 2.2823% | 5,788 |
| Loan and lease loss provision to assets | 0.1758% | 3,343 |
| Net operating income to assets | 0.6515% | 4,105 |
| Return on assets (ROA) | 0.6515% | 4,362 |
| Pretax return on assets | 0.9676% | 3,828 |
| Return on Equity (ROE) | 7.3384% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.3384% | 1,937 |
| Net charge-offs to loans | 0.1188% | 3,987 |
| Credit loss provision to net charge-offs | 208.7719% | 1,353 |
| Earnings coverage of net charge-offs (x) | 13.5789% | 1,784 |
| Efficiency ratio | 66.6235% | 4,404 |
| Assets per employee ($millions) | 5.0337% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,352 |
| Loan loss allowance to noncurrent loans | 60.3504% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.3766% | 3,677 |
| Noncurrent loans to loans | 1.5587% | 3,574 |
| Net loans and leases to total assets | 72.0580% | 1,544 |
| Net loans and leases to deposits | 79.6315% | 2,436 |
| Net loans and leases to core deposits | 111.0161% | 541 |
| Total domestic deposits to total assets | 90.4893% | 670 |
| Equity capital to assets | 9.0089% | 5,690 |
| Core capital (leverage) ratio | 9.0896% | 4,777 |
| Tier 1 risk-based capital ratio | 12.1179% | 5,856 |
| Total risk-based capital ratio | 13.0424% | 6,040 |
| Memoranda: | ||
| Average total assets | $135,389,000 | 4,083 |
| Average earning assets | $124,724,330 | 4,059 |
| Average equity | $12,019,000 | 4,596 |
| Average total loans | $95,929,000 | 3,670 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 3,974 |
| Cost of funding earning assets | 1.1106% | 1,346 |
| Net interest margin | 3.3766% | 5,212 |
| Noninterest income to average assets | 0.2191% | 6,046 |
| Noninterest expense to average assets | 2.2912% | 5,789 |
| Loan and lease loss provision to assets | 0.1865% | 3,099 |
| Net operating income to assets | 0.5713% | 4,487 |
| Return on assets (ROA) | 0.5713% | 4,709 |
| Pretax return on assets | 0.8644% | 4,173 |
| Return on Equity (ROE) | 6.4839% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.4839% | 2,697 |
| Net charge-offs to loans | 0.2202% | 2,820 |
| Credit loss provision to net charge-offs | 121.1538% | 1,969 |
| Earnings coverage of net charge-offs (x) | 6.8269% | 2,154 |
| Efficiency ratio | 68.5562% | 4,058 |
| Assets per employee ($millions) | 4.9370% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,443 |
| Loan loss allowance to noncurrent loans | 46.5608% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 1.6654% | 3,358 |
| Noncurrent loans to loans | 2.0172% | 3,135 |
| Net loans and leases to total assets | 69.6279% | 1,819 |
| Net loans and leases to deposits | 76.8512% | 2,693 |
| Net loans and leases to core deposits | 107.0531% | 638 |
| Total domestic deposits to total assets | 90.6009% | 748 |
| Equity capital to assets | 9.0015% | 5,488 |
| Core capital (leverage) ratio | 8.8500% | 5,066 |
| Tier 1 risk-based capital ratio | 12.4782% | 5,621 |
| Total risk-based capital ratio | 13.3978% | 5,843 |
| Memoranda: | ||
| Average total assets | $135,128,500 | 4,126 |
| Average earning assets | $124,976,000 | 4,089 |
| Average equity | $11,906,500 | 4,632 |
| Average total loans | $94,461,500 | 3,723 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 4,394 |
| Cost of funding earning assets | 1.4677% | 809 |
| Net interest margin | 3.1980% | 6,098 |
| Noninterest income to average assets | 0.2414% | 5,814 |
| Noninterest expense to average assets | 2.3470% | 5,915 |
| Loan and lease loss provision to assets | 0.4781% | 2,213 |
| Net operating income to assets | 0.2843% | 5,312 |
| Return on assets (ROA) | 0.2843% | 5,465 |
| Pretax return on assets | 0.4031% | 5,289 |
| Return on Equity (ROE) | 3.4031% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.4031% | 3,800 |
| Net charge-offs to loans | 0.5823% | 2,700 |
| Credit loss provision to net charge-offs | 114.9171% | 2,842 |
| Earnings coverage of net charge-offs (x) | 2.1179% | 4,194 |
| Efficiency ratio | 72.7035% | 3,447 |
| Assets per employee ($millions) | 5.2676% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 6,509 |
| Loan loss allowance to noncurrent loans | 48.5475% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 3,835 |
| Noncurrent loans to loans | 1.8797% | 3,366 |
| Net loans and leases to total assets | 68.8975% | 2,224 |
| Net loans and leases to deposits | 75.7370% | 3,215 |
| Net loans and leases to core deposits | 109.9088% | 625 |
| Total domestic deposits to total assets | 90.9694% | 520 |
| Equity capital to assets | 8.6261% | 5,983 |
| Core capital (leverage) ratio | 8.7823% | 5,134 |
| Tier 1 risk-based capital ratio | 12.2236% | 5,668 |
| Total risk-based capital ratio | 13.1278% | 5,895 |
| Memoranda: | ||
| Average total assets | $130,504,400 | 4,158 |
| Average earning assets | $121,889,000 | 4,096 |
| Average equity | $10,901,800 | 4,806 |
| Average total loans | $93,257,400 | 3,780 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 4,443 |
| Cost of funding earning assets | 1.5583% | 699 |
| Net interest margin | 3.1455% | 6,301 |
| Noninterest income to average assets | 0.2441% | 5,874 |
| Noninterest expense to average assets | 2.3130% | 5,994 |
| Loan and lease loss provision to assets | 0.0600% | 5,690 |
| Net operating income to assets | 0.5524% | 4,314 |
| Return on assets (ROA) | 0.5524% | 4,490 |
| Pretax return on assets | 0.8069% | 4,102 |
| Return on Equity (ROE) | 6.6704% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.6704% | 2,152 |
| Net charge-offs to loans | 0.0288% | 5,749 |
| Credit loss provision to net charge-offs | 290.0000% | 991 |
| Earnings coverage of net charge-offs (x) | 41.8939% | 747 |
| Efficiency ratio | 72.7391% | 3,417 |
| Assets per employee ($millions) | 5.0374% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 6,577 |
| Loan loss allowance to noncurrent loans | 29.0481% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 2.3463% | 2,733 |
| Noncurrent loans to loans | 3.1245% | 2,226 |
| Net loans and leases to total assets | 68.9402% | 2,290 |
| Net loans and leases to deposits | 75.7473% | 3,367 |
| Net loans and leases to core deposits | 105.9280% | 872 |
| Total domestic deposits to total assets | 91.0134% | 427 |
| Equity capital to assets | 8.4193% | 6,377 |
| Core capital (leverage) ratio | 8.4460% | 5,780 |
| Tier 1 risk-based capital ratio | 11.8041% | 6,035 |
| Total risk-based capital ratio | 12.6957% | 6,268 |
| Memoranda: | ||
| Average total assets | $128,891,250 | 4,220 |
| Average earning assets | $120,297,500 | 4,145 |
| Average equity | $10,673,750 | 4,876 |
| Average total loans | $92,764,500 | 3,827 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 4,288 |
| Cost of funding earning assets | 1.6511% | 566 |
| Net interest margin | 3.1014% | 6,408 |
| Noninterest income to average assets | 0.2418% | 5,916 |
| Noninterest expense to average assets | 2.3386% | 6,031 |
| Loan and lease loss provision to assets | 0.0905% | 5,184 |
| Net operating income to assets | 0.4867% | 4,558 |
| Return on assets (ROA) | 0.4867% | 4,703 |
| Pretax return on assets | 0.7052% | 4,369 |
| Return on Equity (ROE) | 5.9113% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.9113% | 2,482 |
| Net charge-offs to loans | -0.1050% | 7,175 |
| Credit loss provision to net charge-offs | -118.3673% | 6,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6142% | 3,249 |
| Assets per employee ($millions) | 4.9697% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 6,559 |
| Loan loss allowance to noncurrent loans | 31.2500% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 2.2421% | 2,927 |
| Noncurrent loans to loans | 2.9981% | 2,421 |
| Net loans and leases to total assets | 73.2386% | 1,547 |
| Net loans and leases to deposits | 80.3473% | 2,727 |
| Net loans and leases to core deposits | 113.8935% | 575 |
| Total domestic deposits to total assets | 91.1525% | 444 |
| Equity capital to assets | 8.3297% | 6,385 |
| Core capital (leverage) ratio | 8.0786% | 6,194 |
| Tier 1 risk-based capital ratio | 11.1524% | 6,413 |
| Total risk-based capital ratio | 12.0873% | 6,606 |
| Memoranda: | ||
| Average total assets | $128,197,330 | 4,267 |
| Average earning assets | $119,558,000 | 4,193 |
| Average equity | $10,556,000 | 4,912 |
| Average total loans | $93,312,670 | 3,855 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 4,102 |
| Cost of funding earning assets | 1.6918% | 575 |
| Net interest margin | 3.0983% | 6,355 |
| Noninterest income to average assets | 0.2287% | 6,087 |
| Noninterest expense to average assets | 2.3212% | 6,134 |
| Loan and lease loss provision to assets | 0.1817% | 3,799 |
| Net operating income to assets | 0.4072% | 4,914 |
| Return on assets (ROA) | 0.4072% | 5,002 |
| Pretax return on assets | 0.6171% | 4,621 |
| Return on Equity (ROE) | 4.9749% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.9749% | 3,211 |
| Net charge-offs to loans | -0.2256% | 7,284 |
| Credit loss provision to net charge-offs | -111.5385% | 5,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3976% | 3,444 |
| Assets per employee ($millions) | 5.0589% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 6,574 |
| Loan loss allowance to noncurrent loans | 42.6401% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.6011% | 3,844 |
| Noncurrent loans to loans | 2.2107% | 3,305 |
| Net loans and leases to total assets | 71.7451% | 1,775 |
| Net loans and leases to deposits | 78.4333% | 2,989 |
| Net loans and leases to core deposits | 110.3553% | 704 |
| Total domestic deposits to total assets | 91.4727% | 423 |
| Equity capital to assets | 7.9943% | 6,499 |
| Core capital (leverage) ratio | 8.1728% | 6,011 |
| Tier 1 risk-based capital ratio | 10.8670% | 6,599 |
| Total risk-based capital ratio | 11.8002% | 6,769 |
| Memoranda: | ||
| Average total assets | $127,690,000 | 4,311 |
| Average earning assets | $119,164,000 | 4,237 |
| Average equity | $10,452,500 | 4,928 |
| Average total loans | $92,205,000 | 3,923 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 4,926 |
| Cost of funding earning assets | 1.8979% | 850 |
| Net interest margin | 3.0197% | 6,699 |
| Noninterest income to average assets | 0.2653% | 5,892 |
| Noninterest expense to average assets | 2.3372% | 6,249 |
| Loan and lease loss provision to assets | 0.1360% | 5,809 |
| Net operating income to assets | 0.4285% | 4,420 |
| Return on assets (ROA) | 0.4285% | 4,567 |
| Pretax return on assets | 0.6070% | 4,299 |
| Return on Equity (ROE) | 4.9705% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.9705% | 2,423 |
| Net charge-offs to loans | 0.1013% | 5,850 |
| Credit loss provision to net charge-offs | 186.0465% | 1,761 |
| Earnings coverage of net charge-offs (x) | 10.1628% | 1,746 |
| Efficiency ratio | 75.8763% | 3,071 |
| Assets per employee ($millions) | 4.7634% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 6,766 |
| Loan loss allowance to noncurrent loans | 37.6313% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 1.6908% | 3,764 |
| Noncurrent loans to loans | 2.3490% | 3,171 |
| Net loans and leases to total assets | 71.3425% | 2,228 |
| Net loans and leases to deposits | 78.3612% | 3,452 |
| Net loans and leases to core deposits | 113.4265% | 750 |
| Total domestic deposits to total assets | 91.0431% | 582 |
| Equity capital to assets | 8.3892% | 6,018 |
| Core capital (leverage) ratio | 8.3769% | 5,583 |
| Tier 1 risk-based capital ratio | 11.5096% | 5,903 |
| Total risk-based capital ratio | 12.3882% | 6,196 |
| Memoranda: | ||
| Average total assets | $117,620,400 | 4,532 |
| Average earning assets | $109,645,000 | 4,471 |
| Average equity | $10,139,800 | 5,093 |
| Average total loans | $84,865,000 | 4,187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 4,943 |
| Cost of funding earning assets | 1.9144% | 986 |
| Net interest margin | 3.0565% | 6,714 |
| Noninterest income to average assets | 0.2642% | 6,004 |
| Noninterest expense to average assets | 2.3734% | 6,104 |
| Loan and lease loss provision to assets | 0.1838% | 5,204 |
| Net operating income to assets | 0.3917% | 4,783 |
| Return on assets (ROA) | 0.3917% | 4,961 |
| Pretax return on assets | 0.5572% | 4,736 |
| Return on Equity (ROE) | 4.5117% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.5117% | 3,336 |
| Net charge-offs to loans | 0.1352% | 5,213 |
| Credit loss provision to net charge-offs | 188.2353% | 1,912 |
| Earnings coverage of net charge-offs (x) | 7.5883% | 2,301 |
| Efficiency ratio | 76.2080% | 2,905 |
| Assets per employee ($millions) | 4.6586% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 6,569 |
| Loan loss allowance to noncurrent loans | 38.0241% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 3,876 |
| Noncurrent loans to loans | 2.4978% | 3,118 |
| Net loans and leases to total assets | 67.9351% | 3,231 |
| Net loans and leases to deposits | 74.7237% | 4,395 |
| Net loans and leases to core deposits | 109.8158% | 1,043 |
| Total domestic deposits to total assets | 90.9150% | 478 |
| Equity capital to assets | 8.4658% | 6,318 |
| Core capital (leverage) ratio | 8.5219% | 5,465 |
| Tier 1 risk-based capital ratio | 11.6446% | 5,795 |
| Total risk-based capital ratio | 12.5490% | 6,097 |
| Memoranda: | ||
| Average total assets | $116,063,250 | 4,634 |
| Average earning assets | $108,227,500 | 4,566 |
| Average equity | $10,077,250 | 5,169 |
| Average total loans | $83,795,000 | 4,293 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 5,192 |
| Cost of funding earning assets | 1.8993% | 1,238 |
| Net interest margin | 3.0479% | 6,728 |
| Noninterest income to average assets | 0.2903% | 5,826 |
| Noninterest expense to average assets | 2.3239% | 6,290 |
| Loan and lease loss provision to assets | 0.2640% | 4,286 |
| Net operating income to assets | 0.3882% | 4,801 |
| Return on assets (ROA) | 0.3882% | 4,971 |
| Pretax return on assets | 0.5421% | 4,768 |
| Return on Equity (ROE) | 4.4319% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.4319% | 3,254 |
| Net charge-offs to loans | 0.1975% | 4,423 |
| Credit loss provision to net charge-offs | 181.9277% | 2,159 |
| Earnings coverage of net charge-offs (x) | 5.5542% | 2,642 |
| Efficiency ratio | 74.2458% | 3,424 |
| Assets per employee ($millions) | 4.8109% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 6,647 |
| Loan loss allowance to noncurrent loans | 47.1653% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.4360% | 4,316 |
| Noncurrent loans to loans | 1.9800% | 3,749 |
| Net loans and leases to total assets | 71.8485% | 2,444 |
| Net loans and leases to deposits | 78.9946% | 3,797 |
| Net loans and leases to core deposits | 116.0400% | 843 |
| Total domestic deposits to total assets | 90.9537% | 501 |
| Equity capital to assets | 8.7934% | 5,762 |
| Core capital (leverage) ratio | 8.7936% | 4,925 |
| Tier 1 risk-based capital ratio | 11.9520% | 5,350 |
| Total risk-based capital ratio | 12.8831% | 5,608 |
| Memoranda: | ||
| Average total assets | $114,376,670 | 4,692 |
| Average earning assets | $106,564,000 | 4,631 |
| Average equity | $10,018,330 | 5,196 |
| Average total loans | $84,035,330 | 4,321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 5,777 |
| Cost of funding earning assets | 1.9127% | 1,397 |
| Net interest margin | 2.9145% | 6,996 |
| Noninterest income to average assets | 0.2952% | 5,785 |
| Noninterest expense to average assets | 2.3578% | 6,216 |
| Loan and lease loss provision to assets | 0.1124% | 5,489 |
| Net operating income to assets | 0.3479% | 5,088 |
| Return on assets (ROA) | 0.3479% | 5,210 |
| Pretax return on assets | 0.5341% | 4,837 |
| Return on Equity (ROE) | 3.9795% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.9795% | 3,761 |
| Net charge-offs to loans | 0.0618% | 4,799 |
| Credit loss provision to net charge-offs | 246.1538% | 1,567 |
| Earnings coverage of net charge-offs (x) | 14.1538% | 1,450 |
| Efficiency ratio | 78.4795% | 2,819 |
| Assets per employee ($millions) | 4.9378% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 6,949 |
| Loan loss allowance to noncurrent loans | 666.3636% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 7,253 |
| Noncurrent loans to loans | 0.1294% | 7,081 |
| Net loans and leases to total assets | 71.1196% | 2,667 |
| Net loans and leases to deposits | 77.8757% | 4,070 |
| Net loans and leases to core deposits | 109.4416% | 1,317 |
| Total domestic deposits to total assets | 91.3245% | 431 |
| Equity capital to assets | 8.4384% | 6,089 |
| Core capital (leverage) ratio | 8.7341% | 4,967 |
| Tier 1 risk-based capital ratio | 12.4828% | 4,770 |
| Total risk-based capital ratio | 13.4056% | 5,002 |
| Memoranda: | ||
| Average total assets | $113,834,500 | 4,773 |
| Average earning assets | $105,816,500 | 4,712 |
| Average equity | $9,951,000 | 5,252 |
| Average total loans | $84,183,500 | 4,377 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 4,615 |
| Cost of funding earning assets | 1.9942% | 2,988 |
| Net interest margin | 3.4222% | 5,280 |
| Noninterest income to average assets | 0.2518% | 6,302 |
| Noninterest expense to average assets | 2.5520% | 5,944 |
| Loan and lease loss provision to assets | 0.1239% | 6,399 |
| Net operating income to assets | 0.4918% | 3,762 |
| Return on assets (ROA) | 0.4918% | 3,861 |
| Pretax return on assets | 0.7218% | 3,502 |
| Return on Equity (ROE) | 5.1369% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.1369% | 1,747 |
| Net charge-offs to loans | 0.0626% | 6,479 |
| Credit loss provision to net charge-offs | 250.0000% | 1,414 |
| Earnings coverage of net charge-offs (x) | 17.0600% | 1,211 |
| Efficiency ratio | 75.1094% | 3,687 |
| Assets per employee ($millions) | 4.5485% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,962 |
| Loan loss allowance to noncurrent loans | 528.8889% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 6,956 |
| Noncurrent loans to loans | 0.1620% | 7,020 |
| Net loans and leases to total assets | 75.7024% | 1,879 |
| Net loans and leases to deposits | 83.4974% | 3,360 |
| Net loans and leases to core deposits | 181.9000% | 152 |
| Total domestic deposits to total assets | 90.6644% | 674 |
| Equity capital to assets | 9.0708% | 5,024 |
| Core capital (leverage) ratio | 9.2628% | 4,034 |
| Tier 1 risk-based capital ratio | 12.8367% | 4,255 |
| Total risk-based capital ratio | 13.7705% | 4,454 |
| Memoranda: | ||
| Average total assets | $100,862,800 | 5,072 |
| Average earning assets | $92,717,000 | 5,038 |
| Average equity | $9,655,600 | 5,398 |
| Average total loans | $79,907,000 | 4,511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 4,536 |
| Cost of funding earning assets | 1.9743% | 3,492 |
| Net interest margin | 3.5032% | 4,851 |
| Noninterest income to average assets | 0.2456% | 6,475 |
| Noninterest expense to average assets | 2.5806% | 5,780 |
| Loan and lease loss provision to assets | 0.1444% | 5,912 |
| Net operating income to assets | 0.4859% | 4,048 |
| Return on assets (ROA) | 0.4859% | 4,146 |
| Pretax return on assets | 0.7369% | 3,743 |
| Return on Equity (ROE) | 5.0030% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.0030% | 2,489 |
| Net charge-offs to loans | 0.0725% | 5,959 |
| Credit loss provision to net charge-offs | 248.8372% | 1,736 |
| Earnings coverage of net charge-offs (x) | 15.1865% | 1,549 |
| Efficiency ratio | 74.5419% | 3,775 |
| Assets per employee ($millions) | 4.7889% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 6,852 |
| Loan loss allowance to noncurrent loans | 147.3795% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 6,127 |
| Noncurrent loans to loans | 0.5960% | 6,117 |
| Net loans and leases to total assets | 75.3018% | 2,154 |
| Net loans and leases to deposits | 83.2791% | 3,779 |
| Net loans and leases to core deposits | 171.0138% | 265 |
| Total domestic deposits to total assets | 90.4210% | 613 |
| Equity capital to assets | 9.2914% | 5,048 |
| Core capital (leverage) ratio | 9.3652% | 4,095 |
| Tier 1 risk-based capital ratio | 13.4602% | 3,882 |
| Total risk-based capital ratio | 14.4363% | 3,998 |
| Memoranda: | ||
| Average total assets | $98,787,750 | 5,158 |
| Average earning assets | $90,695,250 | 5,138 |
| Average equity | $9,594,000 | 5,461 |
| Average total loans | $79,045,500 | 4,583 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6207% | 3,966 |
| Cost of funding earning assets | 1.9735% | 3,898 |
| Net interest margin | 3.6472% | 4,180 |
| Noninterest income to average assets | 0.2443% | 6,537 |
| Noninterest expense to average assets | 2.6170% | 5,671 |
| Loan and lease loss provision to assets | 0.1925% | 5,121 |
| Net operating income to assets | 0.5010% | 4,084 |
| Return on assets (ROA) | 0.5010% | 4,207 |
| Pretax return on assets | 0.7598% | 3,803 |
| Return on Equity (ROE) | 5.0792% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.0792% | 2,464 |
| Net charge-offs to loans | 0.0610% | 5,647 |
| Credit loss provision to net charge-offs | 387.5000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,375 |
| Efficiency ratio | 73.3179% | 4,137 |
| Assets per employee ($millions) | 4.7587% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 6,755 |
| Loan loss allowance to noncurrent loans | 353.5000% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 7,018 |
| Noncurrent loans to loans | 0.2555% | 6,879 |
| Net loans and leases to total assets | 77.6240% | 1,833 |
| Net loans and leases to deposits | 89.1222% | 2,972 |
| Net loans and leases to core deposits | 200.1342% | 122 |
| Total domestic deposits to total assets | 87.0984% | 2,201 |
| Equity capital to assets | 9.6415% | 4,438 |
| Core capital (leverage) ratio | 9.5445% | 3,816 |
| Tier 1 risk-based capital ratio | 13.5217% | 3,805 |
| Total risk-based capital ratio | 14.5215% | 3,877 |
| Memoranda: | ||
| Average total assets | $96,598,330 | 5,263 |
| Average earning assets | $88,067,670 | 5,261 |
| Average equity | $9,529,000 | 5,506 |
| Average total loans | $78,714,670 | 4,626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6217% | 4,229 |
| Cost of funding earning assets | 1.9792% | 4,245 |
| Net interest margin | 3.6425% | 4,129 |
| Noninterest income to average assets | 0.2317% | 6,615 |
| Noninterest expense to average assets | 2.5239% | 5,749 |
| Loan and lease loss provision to assets | 0.2781% | 3,730 |
| Net operating income to assets | 0.4803% | 4,517 |
| Return on assets (ROA) | 0.4803% | 4,704 |
| Pretax return on assets | 0.7332% | 4,310 |
| Return on Equity (ROE) | 4.8122% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.8122% | 3,226 |
| Net charge-offs to loans | 0.1976% | 3,452 |
| Credit loss provision to net charge-offs | 169.2308% | 2,529 |
| Earnings coverage of net charge-offs (x) | 6.1538% | 2,535 |
| Efficiency ratio | 71.3945% | 4,293 |
| Assets per employee ($millions) | 4.7968% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 7,039 |
| Loan loss allowance to noncurrent loans | 312.2066% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 6,888 |
| Noncurrent loans to loans | 0.2660% | 6,772 |
| Net loans and leases to total assets | 78.8210% | 1,620 |
| Net loans and leases to deposits | 90.2322% | 2,891 |
| Net loans and leases to core deposits | 183.7874% | 212 |
| Total domestic deposits to total assets | 87.3536% | 2,036 |
| Equity capital to assets | 9.4727% | 4,707 |
| Core capital (leverage) ratio | 10.0570% | 3,339 |
| Tier 1 risk-based capital ratio | 13.4870% | 3,873 |
| Total risk-based capital ratio | 14.4376% | 3,980 |
| Memoranda: | ||
| Average total assets | $94,931,000 | 5,332 |
| Average earning assets | $86,095,500 | 5,353 |
| Average equity | $9,476,000 | 5,545 |
| Average total loans | $78,932,500 | 4,646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4766% | 3,082 |
| Cost of funding earning assets | 2.9528% | 2,049 |
| Net interest margin | 3.5237% | 5,216 |
| Noninterest income to average assets | 0.2529% | 6,638 |
| Noninterest expense to average assets | 2.7591% | 5,010 |
| Loan and lease loss provision to assets | 0.0790% | 6,408 |
| Net operating income to assets | 0.9181% | 2,929 |
| Return on assets (ROA) | 0.9181% | 2,774 |
| Pretax return on assets | 0.6420% | 4,568 |
| Return on Equity (ROE) | 8.4706% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.4706% | 715 |
| Net charge-offs to loans | 0.0944% | 5,388 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 9.1231% | 2,752 |
| Efficiency ratio | 79.2802% | 2,708 |
| Assets per employee ($millions) | 4.4565% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 7,028 |
| Loan loss allowance to noncurrent loans | 797.5000% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 7,221 |
| Noncurrent loans to loans | 0.1028% | 7,107 |
| Net loans and leases to total assets | 86.5747% | 530 |
| Net loans and leases to deposits | 103.5744% | 1,387 |
| Net loans and leases to core deposits | 209.3889% | 141 |
| Total domestic deposits to total assets | 83.5869% | 3,538 |
| Equity capital to assets | 10.5576% | 3,435 |
| Core capital (leverage) ratio | 10.8954% | 2,674 |
| Tier 1 risk-based capital ratio | 14.1781% | 3,458 |
| Total risk-based capital ratio | 15.1487% | 3,516 |
| Memoranda: | ||
| Average total assets | $82,236,800 | 5,623 |
| Average earning assets | $75,317,800 | 5,618 |
| Average equity | $8,913,200 | 5,767 |
| Average total loans | $68,878,400 | 4,911 |