Home > All America Bank > Performance and Condition Ratios
All America Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4923% | 354 |
| Cost of funding earning assets | 2.8665% | 186 |
| Net interest margin | 3.6258% | 1,913 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.5761% | 2,079 |
| Loan and lease loss provision to assets | 0.5500% | 157 |
| Net operating income to assets | 0.6692% | 3,268 |
| Return on assets (ROA) | 0.6692% | 3,252 |
| Pretax return on assets | 0.6692% | 3,498 |
| Return on Equity (ROE) | 7.5900% | 3,132 |
| Retained earnings to average equity (ytd only) | 1.9455% | 3,588 |
| Net charge-offs to loans | 0.6363% | 156 |
| Credit loss provision to net charge-offs | 100.3156% | 1,831 |
| Earnings coverage of net charge-offs (x) | 2.2304% | 2,709 |
| Efficiency ratio | 66.4988% | 2,289 |
| Assets per employee ($millions) | 5.4339% | 3,305 |
| Cash dividends to net income (ytd only)* | 74.3636% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 2,727 |
| Loan loss allowance to noncurrent loans | 67.9622% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5774% | 232 |
| Noncurrent loans to loans | 1.6484% | 386 |
| Net loans and leases to total assets | 83.7000% | 294 |
| Net loans and leases to deposits | 93.0490% | 1,011 |
| Net loans and leases to core deposits | 96.0808% | 1,650 |
| Total domestic deposits to total assets | 89.9600% | 766 |
| Equity capital to assets | 9.8347% | 2,102 |
| Core capital (leverage) ratio | 9.8762% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7618% | 2,315 |
| Memoranda: | ||
| Average total assets | $581,107,200 | 1,522 |
| Average earning assets | $554,164,200 | 1,486 |
| Average equity | $51,246,800 | 1,581 |
| Average total loans | $498,066,200 | 1,237 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4597% | 318 |
| Cost of funding earning assets | 2.7241% | 182 |
| Net interest margin | 3.7356% | 1,713 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.6742% | 1,731 |
| Loan and lease loss provision to assets | 0.5700% | 133 |
| Net operating income to assets | 0.6747% | 3,377 |
| Return on assets (ROA) | 0.6747% | 3,366 |
| Pretax return on assets | 0.6747% | 3,597 |
| Return on Equity (ROE) | 7.8900% | 3,211 |
| Retained earnings to average equity (ytd only) | 0.0191% | 4,106 |
| Net charge-offs to loans | 0.6073% | 147 |
| Credit loss provision to net charge-offs | 108.8681% | 1,558 |
| Earnings coverage of net charge-offs (x) | 2.3806% | 2,484 |
| Efficiency ratio | 66.8607% | 2,167 |
| Assets per employee ($millions) | 5.3226% | 3,329 |
| Cash dividends to net income (ytd only)* | 99.7585% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,501 |
| Loan loss allowance to noncurrent loans | 88.4768% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 410 |
| Noncurrent loans to loans | 1.3265% | 575 |
| Net loans and leases to total assets | 83.4300% | 333 |
| Net loans and leases to deposits | 92.7213% | 997 |
| Net loans and leases to core deposits | 96.2855% | 1,538 |
| Total domestic deposits to total assets | 89.9800% | 944 |
| Equity capital to assets | 9.7212% | 1,981 |
| Core capital (leverage) ratio | 10.0537% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8499% | 2,656 |
| Memoranda: | ||
| Average total assets | $572,876,750 | 1,544 |
| Average earning assets | $545,732,000 | 1,508 |
| Average equity | $48,961,500 | 1,627 |
| Average total loans | $492,636,500 | 1,241 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3523% | 299 |
| Cost of funding earning assets | 2.4613% | 209 |
| Net interest margin | 3.8910% | 1,443 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.7064% | 1,626 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 0.9509% | 2,586 |
| Return on assets (ROA) | 0.9509% | 2,574 |
| Pretax return on assets | 0.9509% | 3,048 |
| Return on Equity (ROE) | 11.6000% | 2,272 |
| Retained earnings to average equity (ytd only) | -0.9554% | 4,213 |
| Net charge-offs to loans | -0.0452% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.5240% | 2,424 |
| Assets per employee ($millions) | 5.0193% | 3,586 |
| Cash dividends to net income (ytd only)* | 108.2335% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,524 |
| Loan loss allowance to noncurrent loans | 179.3215% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 749 |
| Noncurrent loans to loans | 0.7827% | 968 |
| Net loans and leases to total assets | 85.9900% | 152 |
| Net loans and leases to deposits | 93.5632% | 905 |
| Net loans and leases to core deposits | 97.0025% | 1,413 |
| Total domestic deposits to total assets | 91.9100% | 433 |
| Equity capital to assets | 7.8219% | 3,337 |
| Core capital (leverage) ratio | 8.1350% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3694% | 2,916 |
| Memoranda: | ||
| Average total assets | $562,011,000 | 1,575 |
| Average earning assets | $538,732,000 | 1,533 |
| Average equity | $46,053,333 | 1,697 |
| Average total loans | $486,943,333 | 1,240 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1654% | 258 |
| Cost of funding earning assets | 2.2091% | 192 |
| Net interest margin | 3.9563% | 1,353 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.5964% | 1,959 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 1.0878% | 2,269 |
| Return on assets (ROA) | 1.0878% | 2,236 |
| Pretax return on assets | 1.0878% | 2,742 |
| Return on Equity (ROE) | 12.9600% | 1,997 |
| Retained earnings to average equity (ytd only) | -0.4684% | 4,080 |
| Net charge-offs to loans | 0.1375% | 486 |
| Credit loss provision to net charge-offs | 395.7055% | 610 |
| Earnings coverage of net charge-offs (x) | 13.1227% | 1,597 |
| Efficiency ratio | 61.1218% | 2,806 |
| Assets per employee ($millions) | 4.7921% | 3,802 |
| Cash dividends to net income (ytd only)* | 103.6145% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,110 |
| Loan loss allowance to noncurrent loans | 137.6859% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 566 |
| Noncurrent loans to loans | 0.9331% | 807 |
| Net loans and leases to total assets | 84.1100% | 231 |
| Net loans and leases to deposits | 91.6547% | 942 |
| Net loans and leases to core deposits | 94.7492% | 1,345 |
| Total domestic deposits to total assets | 91.7700% | 577 |
| Equity capital to assets | 8.0343% | 3,218 |
| Core capital (leverage) ratio | 8.3298% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1071% | 2,929 |
| Memoranda: | ||
| Average total assets | $549,385,500 | 1,628 |
| Average earning assets | $526,549,000 | 1,579 |
| Average equity | $46,112,500 | 1,709 |
| Average total loans | $474,327,000 | 1,278 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 181 |
| Cost of funding earning assets | 0.6906% | 603 |
| Net interest margin | 4.6725% | 216 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7993% | 1,313 |
| Loan and lease loss provision to assets | 0.5600% | 104 |
| Net operating income to assets | 1.6935% | 545 |
| Return on assets (ROA) | 1.6935% | 516 |
| Pretax return on assets | 1.6935% | 933 |
| Return on Equity (ROE) | 17.7800% | 737 |
| Retained earnings to average equity (ytd only) | 1.2986% | 4,137 |
| Net charge-offs to loans | 0.5921% | 120 |
| Credit loss provision to net charge-offs | 110.5518% | 1,504 |
| Earnings coverage of net charge-offs (x) | 4.4466% | 2,417 |
| Efficiency ratio | 53.2480% | 3,853 |
| Assets per employee ($millions) | 4.4763% | 4,052 |
| Cash dividends to net income (ytd only)* | 92.6953% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 1,712 |
| Loan loss allowance to noncurrent loans | 121.9430% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 410 |
| Noncurrent loans to loans | 1.1019% | 655 |
| Net loans and leases to total assets | 86.4000% | 135 |
| Net loans and leases to deposits | 94.8243% | 724 |
| Net loans and leases to core deposits | 101.8254% | 906 |
| Total domestic deposits to total assets | 91.1200% | 909 |
| Equity capital to assets | 8.7879% | 2,500 |
| Core capital (leverage) ratio | 9.2356% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5505% | 2,851 |
| Memoranda: | ||
| Average total assets | $489,867,800 | 1,745 |
| Average earning assets | $467,736,600 | 1,707 |
| Average equity | $46,667,000 | 1,716 |
| Average total loans | $419,377,600 | 1,341 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 153 |
| Cost of funding earning assets | 0.4189% | 1,165 |
| Net interest margin | 4.8276% | 142 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.8397% | 1,172 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 1.8213% | 411 |
| Return on assets (ROA) | 1.8213% | 401 |
| Pretax return on assets | 1.8213% | 699 |
| Return on Equity (ROE) | 18.7200% | 555 |
| Retained earnings to average equity (ytd only) | 1.9959% | 4,035 |
| Net charge-offs to loans | 0.1351% | 477 |
| Credit loss provision to net charge-offs | 283.1325% | 841 |
| Earnings coverage of net charge-offs (x) | 18.6771% | 1,748 |
| Efficiency ratio | 54.4323% | 3,786 |
| Assets per employee ($millions) | 4.1750% | 4,237 |
| Cash dividends to net income (ytd only)* | 89.3400% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 1,180 |
| Loan loss allowance to noncurrent loans | 128.3924% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1448% | 379 |
| Noncurrent loans to loans | 1.2022% | 612 |
| Net loans and leases to total assets | 86.2500% | 106 |
| Net loans and leases to deposits | 100.0162% | 361 |
| Net loans and leases to core deposits | 102.2577% | 731 |
| Total domestic deposits to total assets | 86.2300% | 3,012 |
| Equity capital to assets | 9.3991% | 1,953 |
| Core capital (leverage) ratio | 9.4580% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9213% | 2,840 |
| Memoranda: | ||
| Average total assets | $481,404,000 | 1,781 |
| Average earning assets | $459,321,250 | 1,741 |
| Average equity | $46,827,750 | 1,726 |
| Average total loans | $409,553,500 | 1,356 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 157 |
| Cost of funding earning assets | 0.2519% | 2,236 |
| Net interest margin | 4.8131% | 128 |
| Noninterest income to average assets | 0.4003% | 2,759 |
| Noninterest expense to average assets | 2.8338% | 1,107 |
| Loan and lease loss provision to assets | 0.2496% | 289 |
| Net operating income to assets | 1.9085% | 268 |
| Return on assets (ROA) | 1.9085% | 268 |
| Pretax return on assets | 1.9085% | 460 |
| Return on Equity (ROE) | 19.3948% | 353 |
| Retained earnings to average equity (ytd only) | 2.9828% | 3,455 |
| Net charge-offs to loans | 0.0781% | 687 |
| Credit loss provision to net charge-offs | 379.6178% | 715 |
| Earnings coverage of net charge-offs (x) | 32.8280% | 1,354 |
| Efficiency ratio | 53.6319% | 3,998 |
| Assets per employee ($millions) | 4.2557% | 4,235 |
| Cash dividends to net income (ytd only)* | 84.6204% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,380 |
| Loan loss allowance to noncurrent loans | 114.2960% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 360 |
| Noncurrent loans to loans | 1.3206% | 593 |
| Net loans and leases to total assets | 83.8043% | 195 |
| Net loans and leases to deposits | 99.5608% | 289 |
| Net loans and leases to core deposits | 101.7867% | 601 |
| Total domestic deposits to total assets | 84.1740% | 3,652 |
| Equity capital to assets | 9.4534% | 2,053 |
| Core capital (leverage) ratio | 9.6895% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7402% | 2,590 |
| Memoranda: | ||
| Average total assets | $477,657,000 | 1,798 |
| Average earning assets | $455,677,667 | 1,765 |
| Average equity | $47,002,333 | 1,760 |
| Average total loans | $402,218,667 | 1,369 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 155 |
| Cost of funding earning assets | 0.2059% | 2,710 |
| Net interest margin | 4.7868% | 123 |
| Noninterest income to average assets | 0.3977% | 2,703 |
| Noninterest expense to average assets | 2.8668% | 1,026 |
| Loan and lease loss provision to assets | 0.1320% | 618 |
| Net operating income to assets | 1.9725% | 236 |
| Return on assets (ROA) | 1.9725% | 238 |
| Pretax return on assets | 1.9725% | 383 |
| Return on Equity (ROE) | 19.6398% | 240 |
| Retained earnings to average equity (ytd only) | 4.6047% | 2,738 |
| Net charge-offs to loans | 0.0264% | 1,056 |
| Credit loss provision to net charge-offs | 596.1538% | 473 |
| Earnings coverage of net charge-offs (x) | 95.0385% | 689 |
| Efficiency ratio | 54.4458% | 4,026 |
| Assets per employee ($millions) | 4.0991% | 4,361 |
| Cash dividends to net income (ytd only)* | 76.5544% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 1,505 |
| Loan loss allowance to noncurrent loans | 114.4864% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1706% | 381 |
| Noncurrent loans to loans | 1.3235% | 660 |
| Net loans and leases to total assets | 82.4232% | 144 |
| Net loans and leases to deposits | 94.9315% | 318 |
| Net loans and leases to core deposits | 97.1390% | 606 |
| Total domestic deposits to total assets | 86.8239% | 2,989 |
| Equity capital to assets | 9.9208% | 1,956 |
| Core capital (leverage) ratio | 9.8432% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8795% | 2,648 |
| Memoranda: | ||
| Average total assets | $469,654,500 | 1,829 |
| Average earning assets | $448,730,500 | 1,794 |
| Average equity | $47,169,500 | 1,809 |
| Average total loans | $393,303,000 | 1,385 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 270 |
| Cost of funding earning assets | 0.3214% | 2,182 |
| Net interest margin | 4.6480% | 219 |
| Noninterest income to average assets | 0.3616% | 3,266 |
| Noninterest expense to average assets | 2.8319% | 1,284 |
| Loan and lease loss provision to assets | 0.2199% | 463 |
| Net operating income to assets | 1.7186% | 606 |
| Return on assets (ROA) | 1.7186% | 628 |
| Pretax return on assets | 1.7186% | 1,099 |
| Return on Equity (ROE) | 17.0543% | 582 |
| Retained earnings to average equity (ytd only) | 2.9273% | 3,659 |
| Net charge-offs to loans | 0.0351% | 1,540 |
| Credit loss provision to net charge-offs | 761.1940% | 624 |
| Earnings coverage of net charge-offs (x) | 67.0896% | 1,107 |
| Efficiency ratio | 54.5134% | 3,872 |
| Assets per employee ($millions) | 4.1785% | 4,337 |
| Cash dividends to net income (ytd only)* | 82.8356% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 1,492 |
| Loan loss allowance to noncurrent loans | 133.5975% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 580 |
| Noncurrent loans to loans | 1.1365% | 851 |
| Net loans and leases to total assets | 82.5238% | 159 |
| Net loans and leases to deposits | 91.9212% | 480 |
| Net loans and leases to core deposits | 94.2953% | 766 |
| Total domestic deposits to total assets | 89.7767% | 1,074 |
| Equity capital to assets | 10.1692% | 2,503 |
| Core capital (leverage) ratio | 9.5625% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9863% | 2,639 |
| Memoranda: | ||
| Average total assets | $463,755,800 | 1,799 |
| Average earning assets | $439,889,600 | 1,763 |
| Average equity | $46,733,200 | 1,869 |
| Average total loans | $382,004,200 | 1,423 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 308 |
| Cost of funding earning assets | 0.3528% | 2,092 |
| Net interest margin | 4.6304% | 250 |
| Noninterest income to average assets | 0.3991% | 3,087 |
| Noninterest expense to average assets | 2.7909% | 1,364 |
| Loan and lease loss provision to assets | 0.2674% | 324 |
| Net operating income to assets | 1.7251% | 783 |
| Return on assets (ROA) | 1.7251% | 816 |
| Pretax return on assets | 1.7251% | 1,346 |
| Return on Equity (ROE) | 17.1577% | 747 |
| Retained earnings to average equity (ytd only) | 3.4945% | 3,744 |
| Net charge-offs to loans | 0.0403% | 1,286 |
| Credit loss provision to net charge-offs | 808.6957% | 588 |
| Earnings coverage of net charge-offs (x) | 60.2609% | 1,138 |
| Efficiency ratio | 54.6433% | 3,711 |
| Assets per employee ($millions) | 4.1423% | 4,371 |
| Cash dividends to net income (ytd only)* | 79.6333% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,478 |
| Loan loss allowance to noncurrent loans | 118.5441% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 564 |
| Noncurrent loans to loans | 1.3033% | 826 |
| Net loans and leases to total assets | 80.0783% | 288 |
| Net loans and leases to deposits | 89.2533% | 642 |
| Net loans and leases to core deposits | 91.6159% | 938 |
| Total domestic deposits to total assets | 89.7203% | 909 |
| Equity capital to assets | 10.1373% | 2,772 |
| Core capital (leverage) ratio | 9.3373% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6667% | 2,814 |
| Memoranda: | ||
| Average total assets | $463,741,500 | 1,816 |
| Average earning assets | $439,088,500 | 1,790 |
| Average equity | $46,625,000 | 1,892 |
| Average total loans | $380,341,000 | 1,459 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 328 |
| Cost of funding earning assets | 0.3861% | 2,002 |
| Net interest margin | 4.6454% | 289 |
| Noninterest income to average assets | 0.3947% | 3,132 |
| Noninterest expense to average assets | 2.7994% | 1,356 |
| Loan and lease loss provision to assets | 0.2717% | 339 |
| Net operating income to assets | 1.7141% | 850 |
| Return on assets (ROA) | 1.7141% | 902 |
| Pretax return on assets | 1.7141% | 1,447 |
| Return on Equity (ROE) | 17.0963% | 765 |
| Retained earnings to average equity (ytd only) | 4.0869% | 3,491 |
| Net charge-offs to loans | 0.0241% | 1,465 |
| Credit loss provision to net charge-offs | 1,369.5652% | 383 |
| Earnings coverage of net charge-offs (x) | 100.0870% | 753 |
| Efficiency ratio | 54.8044% | 3,701 |
| Assets per employee ($millions) | 4.3313% | 4,234 |
| Cash dividends to net income (ytd only)* | 76.0946% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 1,783 |
| Loan loss allowance to noncurrent loans | 131.2163% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 803 |
| Noncurrent loans to loans | 1.1027% | 1,098 |
| Net loans and leases to total assets | 80.0468% | 315 |
| Net loans and leases to deposits | 88.8830% | 719 |
| Net loans and leases to core deposits | 91.2177% | 1,053 |
| Total domestic deposits to total assets | 90.0585% | 746 |
| Equity capital to assets | 9.8338% | 3,018 |
| Core capital (leverage) ratio | 9.4797% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0703% | 2,699 |
| Memoranda: | ||
| Average total assets | $463,674,667 | 1,804 |
| Average earning assets | $438,236,667 | 1,794 |
| Average equity | $46,489,667 | 1,880 |
| Average total loans | $381,339,000 | 1,463 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 322 |
| Cost of funding earning assets | 0.4181% | 1,949 |
| Net interest margin | 4.6429% | 293 |
| Noninterest income to average assets | 0.4225% | 2,976 |
| Noninterest expense to average assets | 2.7693% | 1,434 |
| Loan and lease loss provision to assets | 0.2624% | 380 |
| Net operating income to assets | 1.7713% | 828 |
| Return on assets (ROA) | 1.7713% | 882 |
| Pretax return on assets | 1.7713% | 1,353 |
| Return on Equity (ROE) | 17.4914% | 782 |
| Retained earnings to average equity (ytd only) | 7.1002% | 2,546 |
| Net charge-offs to loans | 0.0211% | 1,316 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 116.2500% | 558 |
| Efficiency ratio | 53.9064% | 3,791 |
| Assets per employee ($millions) | 4.2003% | 4,348 |
| Cash dividends to net income (ytd only)* | 59.4074% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,977 |
| Loan loss allowance to noncurrent loans | 90.2044% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.3283% | 521 |
| Noncurrent loans to loans | 1.5469% | 801 |
| Net loans and leases to total assets | 80.9833% | 283 |
| Net loans and leases to deposits | 90.1890% | 689 |
| Net loans and leases to core deposits | 92.5689% | 1,076 |
| Total domestic deposits to total assets | 89.7929% | 917 |
| Equity capital to assets | 10.1160% | 2,596 |
| Core capital (leverage) ratio | 9.6144% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9910% | 2,670 |
| Memoranda: | ||
| Average total assets | $457,292,500 | 1,819 |
| Average earning assets | $431,457,500 | 1,801 |
| Average equity | $46,308,500 | 1,877 |
| Average total loans | $378,522,000 | 1,468 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 267 |
| Cost of funding earning assets | 0.7829% | 1,282 |
| Net interest margin | 4.5113% | 325 |
| Noninterest income to average assets | 0.3990% | 3,091 |
| Noninterest expense to average assets | 2.6877% | 2,277 |
| Loan and lease loss provision to assets | 0.4687% | 575 |
| Net operating income to assets | 1.5076% | 794 |
| Return on assets (ROA) | 1.5076% | 865 |
| Pretax return on assets | 1.5076% | 1,308 |
| Return on Equity (ROE) | 15.2360% | 598 |
| Retained earnings to average equity (ytd only) | 1.8310% | 3,897 |
| Net charge-offs to loans | 0.2081% | 836 |
| Credit loss provision to net charge-offs | 279.7927% | 1,804 |
| Earnings coverage of net charge-offs (x) | 11.7979% | 2,382 |
| Efficiency ratio | 53.8079% | 4,234 |
| Assets per employee ($millions) | 4.1141% | 4,277 |
| Cash dividends to net income (ytd only)* | 87.9822% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,279 |
| Loan loss allowance to noncurrent loans | 80.5493% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 415 |
| Noncurrent loans to loans | 1.6489% | 794 |
| Net loans and leases to total assets | 82.3252% | 271 |
| Net loans and leases to deposits | 91.6702% | 802 |
| Net loans and leases to core deposits | 94.4935% | 1,210 |
| Total domestic deposits to total assets | 89.8059% | 637 |
| Equity capital to assets | 10.1376% | 2,993 |
| Core capital (leverage) ratio | 9.4457% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7070% | 2,725 |
| Memoranda: | ||
| Average total assets | $460,873,400 | 1,667 |
| Average earning assets | $435,710,000 | 1,636 |
| Average equity | $45,602,400 | 1,830 |
| Average total loans | $370,998,600 | 1,447 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 287 |
| Cost of funding earning assets | 0.8699% | 1,176 |
| Net interest margin | 4.5130% | 363 |
| Noninterest income to average assets | 0.3989% | 3,087 |
| Noninterest expense to average assets | 2.6554% | 2,376 |
| Loan and lease loss provision to assets | 0.3916% | 920 |
| Net operating income to assets | 1.6163% | 695 |
| Return on assets (ROA) | 1.6163% | 766 |
| Pretax return on assets | 1.6163% | 1,145 |
| Return on Equity (ROE) | 16.4329% | 499 |
| Retained earnings to average equity (ytd only) | 3.8213% | 3,130 |
| Net charge-offs to loans | 0.0505% | 1,889 |
| Credit loss provision to net charge-offs | 971.4286% | 846 |
| Earnings coverage of net charge-offs (x) | 49.8000% | 1,197 |
| Efficiency ratio | 53.1374% | 4,241 |
| Assets per employee ($millions) | 4.1715% | 4,167 |
| Cash dividends to net income (ytd only)* | 76.7463% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 2,115 |
| Loan loss allowance to noncurrent loans | 135.2400% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 1,138 |
| Noncurrent loans to loans | 0.9697% | 1,545 |
| Net loans and leases to total assets | 79.4878% | 657 |
| Net loans and leases to deposits | 88.5909% | 1,420 |
| Net loans and leases to core deposits | 91.1281% | 1,877 |
| Total domestic deposits to total assets | 89.7246% | 519 |
| Equity capital to assets | 10.1328% | 3,111 |
| Core capital (leverage) ratio | 9.2549% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1857% | 2,542 |
| Memoranda: | ||
| Average total assets | $462,953,000 | 1,642 |
| Average earning assets | $437,454,000 | 1,611 |
| Average equity | $45,533,500 | 1,824 |
| Average total loans | $369,352,750 | 1,446 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 356 |
| Cost of funding earning assets | 0.9760% | 1,055 |
| Net interest margin | 4.4955% | 508 |
| Noninterest income to average assets | 0.4139% | 2,996 |
| Noninterest expense to average assets | 2.6564% | 2,497 |
| Loan and lease loss provision to assets | 0.4566% | 841 |
| Net operating income to assets | 1.5528% | 845 |
| Return on assets (ROA) | 1.5528% | 917 |
| Pretax return on assets | 1.5528% | 1,338 |
| Return on Equity (ROE) | 15.9469% | 575 |
| Retained earnings to average equity (ytd only) | 4.3616% | 2,753 |
| Net charge-offs to loans | 0.0607% | 1,641 |
| Credit loss provision to net charge-offs | 946.4286% | 820 |
| Earnings coverage of net charge-offs (x) | 41.6518% | 1,218 |
| Efficiency ratio | 53.1481% | 4,272 |
| Assets per employee ($millions) | 4.2548% | 4,053 |
| Cash dividends to net income (ytd only)* | 72.6491% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,190 |
| Loan loss allowance to noncurrent loans | 161.5466% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 1,561 |
| Noncurrent loans to loans | 0.7811% | 1,937 |
| Net loans and leases to total assets | 75.7969% | 1,163 |
| Net loans and leases to deposits | 84.0988% | 1,992 |
| Net loans and leases to core deposits | 85.9948% | 2,440 |
| Total domestic deposits to total assets | 90.1285% | 368 |
| Equity capital to assets | 9.7326% | 3,439 |
| Core capital (leverage) ratio | 9.2845% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7514% | 2,715 |
| Memoranda: | ||
| Average total assets | $464,316,000 | 1,612 |
| Average earning assets | $439,146,667 | 1,583 |
| Average equity | $45,212,667 | 1,822 |
| Average total loans | $369,274,333 | 1,433 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7015% | 246 |
| Cost of funding earning assets | 1.0943% | 1,063 |
| Net interest margin | 4.6073% | 404 |
| Noninterest income to average assets | 0.5188% | 2,450 |
| Noninterest expense to average assets | 2.7459% | 2,590 |
| Loan and lease loss provision to assets | 0.6343% | 429 |
| Net operating income to assets | 1.5033% | 779 |
| Return on assets (ROA) | 1.5033% | 851 |
| Pretax return on assets | 1.5033% | 1,295 |
| Return on Equity (ROE) | 15.4340% | 496 |
| Retained earnings to average equity (ytd only) | 5.9506% | 1,893 |
| Net charge-offs to loans | 0.0869% | 1,179 |
| Credit loss provision to net charge-offs | 901.2346% | 619 |
| Earnings coverage of net charge-offs (x) | 30.3704% | 1,177 |
| Efficiency ratio | 52.5623% | 4,507 |
| Assets per employee ($millions) | 4.1578% | 3,712 |
| Cash dividends to net income (ytd only)* | 61.4451% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,896 |
| Loan loss allowance to noncurrent loans | 88.2924% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 1,162 |
| Noncurrent loans to loans | 1.3113% | 1,245 |
| Net loans and leases to total assets | 80.5504% | 630 |
| Net loans and leases to deposits | 89.5384% | 1,564 |
| Net loans and leases to core deposits | 91.7245% | 2,194 |
| Total domestic deposits to total assets | 89.9619% | 334 |
| Equity capital to assets | 9.9291% | 3,851 |
| Core capital (leverage) ratio | 9.2582% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,330,500 | 1,567 |
| Average earning assets | $436,092,500 | 1,533 |
| Average equity | $44,836,000 | 1,821 |
| Average total loans | $372,634,500 | 1,374 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9506% | 246 |
| Cost of funding earning assets | 1.3923% | 581 |
| Net interest margin | 4.5583% | 632 |
| Noninterest income to average assets | 0.4835% | 2,834 |
| Noninterest expense to average assets | 2.7803% | 2,666 |
| Loan and lease loss provision to assets | 0.5149% | 247 |
| Net operating income to assets | 1.4884% | 1,082 |
| Return on assets (ROA) | 1.4884% | 1,143 |
| Pretax return on assets | 1.4884% | 1,840 |
| Return on Equity (ROE) | 14.8772% | 711 |
| Retained earnings to average equity (ytd only) | 0.1343% | 4,645 |
| Net charge-offs to loans | 0.4734% | 399 |
| Credit loss provision to net charge-offs | 130.9050% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.0933% | 3,129 |
| Efficiency ratio | 54.7663% | 4,347 |
| Assets per employee ($millions) | 4.2496% | 3,580 |
| Cash dividends to net income (ytd only)* | 99.0976% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,673 |
| Loan loss allowance to noncurrent loans | 72.6999% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 1,093 |
| Noncurrent loans to loans | 1.3271% | 1,130 |
| Net loans and leases to total assets | 79.6454% | 835 |
| Net loans and leases to deposits | 88.1712% | 1,820 |
| Net loans and leases to core deposits | 89.9708% | 2,431 |
| Total domestic deposits to total assets | 90.3305% | 230 |
| Equity capital to assets | 9.5566% | 4,306 |
| Core capital (leverage) ratio | 8.9105% | 4,593 |
| Tier 1 risk-based capital ratio | 10.8780% | 4,901 |
| Total risk-based capital ratio | 11.8338% | 4,916 |
| Memoranda: | ||
| Average total assets | $446,716,400 | 1,568 |
| Average earning assets | $421,403,200 | 1,540 |
| Average equity | $44,692,400 | 1,767 |
| Average total loans | $371,116,000 | 1,353 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0423% | 220 |
| Cost of funding earning assets | 1.4176% | 546 |
| Net interest margin | 4.6247% | 585 |
| Noninterest income to average assets | 0.4798% | 2,852 |
| Noninterest expense to average assets | 2.8228% | 2,506 |
| Loan and lease loss provision to assets | 0.3609% | 364 |
| Net operating income to assets | 1.6515% | 825 |
| Return on assets (ROA) | 1.6515% | 866 |
| Pretax return on assets | 1.6515% | 1,466 |
| Return on Equity (ROE) | 16.3138% | 561 |
| Retained earnings to average equity (ytd only) | 1.6943% | 4,363 |
| Net charge-offs to loans | 0.2501% | 708 |
| Credit loss provision to net charge-offs | 172.1902% | 1,480 |
| Earnings coverage of net charge-offs (x) | 9.6023% | 2,562 |
| Efficiency ratio | 55.1774% | 4,259 |
| Assets per employee ($millions) | 4.1948% | 3,622 |
| Cash dividends to net income (ytd only)* | 89.6141% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,766 |
| Loan loss allowance to noncurrent loans | 90.5760% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 1,474 |
| Noncurrent loans to loans | 1.0631% | 1,500 |
| Net loans and leases to total assets | 81.3880% | 647 |
| Net loans and leases to deposits | 90.6442% | 1,614 |
| Net loans and leases to core deposits | 92.6841% | 2,302 |
| Total domestic deposits to total assets | 89.7884% | 342 |
| Equity capital to assets | 10.0063% | 4,010 |
| Core capital (leverage) ratio | 9.4255% | 4,256 |
| Tier 1 risk-based capital ratio | 11.2106% | 4,818 |
| Total risk-based capital ratio | 12.1771% | 4,824 |
| Memoranda: | ||
| Average total assets | $441,531,000 | 1,591 |
| Average earning assets | $415,815,500 | 1,569 |
| Average equity | $44,697,250 | 1,771 |
| Average total loans | $369,911,000 | 1,371 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0088% | 228 |
| Cost of funding earning assets | 1.4164% | 503 |
| Net interest margin | 4.5924% | 628 |
| Noninterest income to average assets | 0.4862% | 2,753 |
| Noninterest expense to average assets | 2.8595% | 2,382 |
| Loan and lease loss provision to assets | 0.3107% | 435 |
| Net operating income to assets | 1.6450% | 821 |
| Return on assets (ROA) | 1.6450% | 854 |
| Pretax return on assets | 1.6450% | 1,414 |
| Return on Equity (ROE) | 16.1850% | 563 |
| Retained earnings to average equity (ytd only) | 1.2004% | 4,377 |
| Net charge-offs to loans | 0.1040% | 1,349 |
| Credit loss provision to net charge-offs | 354.1667% | 797 |
| Earnings coverage of net charge-offs (x) | 22.2917% | 1,698 |
| Efficiency ratio | 56.3295% | 4,209 |
| Assets per employee ($millions) | 4.0203% | 3,840 |
| Cash dividends to net income (ytd only)* | 92.5833% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,791 |
| Loan loss allowance to noncurrent loans | 78.3162% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1578% | 1,163 |
| Noncurrent loans to loans | 1.2358% | 1,292 |
| Net loans and leases to total assets | 82.6452% | 523 |
| Net loans and leases to deposits | 92.1262% | 1,478 |
| Net loans and leases to core deposits | 94.4001% | 2,216 |
| Total domestic deposits to total assets | 89.7086% | 413 |
| Equity capital to assets | 10.1145% | 3,875 |
| Core capital (leverage) ratio | 9.4362% | 4,212 |
| Tier 1 risk-based capital ratio | 10.9944% | 4,908 |
| Total risk-based capital ratio | 11.9505% | 4,950 |
| Memoranda: | ||
| Average total assets | $437,696,330 | 1,599 |
| Average earning assets | $412,597,000 | 1,585 |
| Average equity | $44,485,670 | 1,775 |
| Average total loans | $369,114,330 | 1,376 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0599% | 203 |
| Cost of funding earning assets | 1.4131% | 436 |
| Net interest margin | 4.6468% | 553 |
| Noninterest income to average assets | 0.5402% | 2,336 |
| Noninterest expense to average assets | 2.9102% | 2,247 |
| Loan and lease loss provision to assets | 0.3077% | 415 |
| Net operating income to assets | 1.6995% | 727 |
| Return on assets (ROA) | 1.6995% | 754 |
| Pretax return on assets | 1.6995% | 1,208 |
| Return on Equity (ROE) | 16.6804% | 507 |
| Retained earnings to average equity (ytd only) | 1.6500% | 4,153 |
| Net charge-offs to loans | 0.0618% | 1,422 |
| Credit loss provision to net charge-offs | 587.7193% | 549 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 1,176 |
| Efficiency ratio | 56.1741% | 4,310 |
| Assets per employee ($millions) | 3.9305% | 4,027 |
| Cash dividends to net income (ytd only)* | 90.1081% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 4,111 |
| Loan loss allowance to noncurrent loans | 60.8397% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 873 |
| Noncurrent loans to loans | 1.4955% | 1,078 |
| Net loans and leases to total assets | 84.6875% | 311 |
| Net loans and leases to deposits | 95.8012% | 992 |
| Net loans and leases to core deposits | 100.9245% | 1,541 |
| Total domestic deposits to total assets | 88.3993% | 1,132 |
| Equity capital to assets | 10.3016% | 3,519 |
| Core capital (leverage) ratio | 9.5264% | 4,100 |
| Tier 1 risk-based capital ratio | 10.9091% | 5,018 |
| Total risk-based capital ratio | 11.8074% | 5,061 |
| Memoranda: | ||
| Average total assets | $435,427,000 | 1,614 |
| Average earning assets | $410,172,500 | 1,597 |
| Average equity | $44,363,500 | 1,768 |
| Average total loans | $369,142,500 | 1,378 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7136% | 273 |
| Cost of funding earning assets | 1.0972% | 500 |
| Net interest margin | 4.6164% | 583 |
| Noninterest income to average assets | 0.7051% | 1,834 |
| Noninterest expense to average assets | 3.0002% | 2,042 |
| Loan and lease loss provision to assets | 0.2851% | 572 |
| Net operating income to assets | 1.7573% | 606 |
| Return on assets (ROA) | 1.7573% | 602 |
| Pretax return on assets | 1.7573% | 1,034 |
| Return on Equity (ROE) | 16.9042% | 503 |
| Retained earnings to average equity (ytd only) | 2.9996% | 3,901 |
| Net charge-offs to loans | 0.3159% | 611 |
| Credit loss provision to net charge-offs | 110.0461% | 2,338 |
| Earnings coverage of net charge-offs (x) | 7.8839% | 2,946 |
| Efficiency ratio | 56.4536% | 4,350 |
| Assets per employee ($millions) | 4.2163% | 3,590 |
| Cash dividends to net income (ytd only)* | 82.2554% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,409 |
| Loan loss allowance to noncurrent loans | 75.4957% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 1,292 |
| Noncurrent loans to loans | 1.1077% | 1,465 |
| Net loans and leases to total assets | 83.3954% | 470 |
| Net loans and leases to deposits | 101.1115% | 662 |
| Net loans and leases to core deposits | 110.1010% | 992 |
| Total domestic deposits to total assets | 82.4787% | 3,493 |
| Equity capital to assets | 10.0770% | 3,605 |
| Core capital (leverage) ratio | 9.4363% | 4,190 |
| Tier 1 risk-based capital ratio | 10.7387% | 5,100 |
| Total risk-based capital ratio | 11.5567% | 5,155 |
| Memoranda: | ||
| Average total assets | $418,835,200 | 1,634 |
| Average earning assets | $393,531,800 | 1,611 |
| Average equity | $43,539,600 | 1,716 |
| Average total loans | $343,495,600 | 1,426 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 278 |
| Cost of funding earning assets | 1.0299% | 522 |
| Net interest margin | 4.6297% | 557 |
| Noninterest income to average assets | 0.7409% | 1,712 |
| Noninterest expense to average assets | 3.0140% | 1,979 |
| Loan and lease loss provision to assets | 0.3025% | 485 |
| Net operating income to assets | 1.7742% | 632 |
| Return on assets (ROA) | 1.7742% | 635 |
| Pretax return on assets | 1.7742% | 1,074 |
| Return on Equity (ROE) | 16.9299% | 551 |
| Retained earnings to average equity (ytd only) | 3.3104% | 4,095 |
| Net charge-offs to loans | 0.2440% | 701 |
| Credit loss provision to net charge-offs | 152.1880% | 1,681 |
| Earnings coverage of net charge-offs (x) | 10.4489% | 2,585 |
| Efficiency ratio | 56.1503% | 4,371 |
| Assets per employee ($millions) | 3.7373% | 4,255 |
| Cash dividends to net income (ytd only)* | 80.4466% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 4,118 |
| Loan loss allowance to noncurrent loans | 83.0269% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 1,469 |
| Noncurrent loans to loans | 1.1245% | 1,514 |
| Net loans and leases to total assets | 82.8418% | 582 |
| Net loans and leases to deposits | 97.6125% | 980 |
| Net loans and leases to core deposits | 103.2530% | 1,510 |
| Total domestic deposits to total assets | 84.8680% | 2,659 |
| Equity capital to assets | 10.4335% | 3,202 |
| Core capital (leverage) ratio | 9.6228% | 4,025 |
| Tier 1 risk-based capital ratio | 11.0210% | 5,028 |
| Total risk-based capital ratio | 11.9276% | 5,093 |
| Memoranda: | ||
| Average total assets | $413,920,500 | 1,660 |
| Average earning assets | $388,896,250 | 1,635 |
| Average equity | $43,377,750 | 1,722 |
| Average total loans | $337,177,500 | 1,456 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5599% | 296 |
| Cost of funding earning assets | 0.9848% | 500 |
| Net interest margin | 4.5752% | 589 |
| Noninterest income to average assets | 0.6519% | 2,085 |
| Noninterest expense to average assets | 3.0380% | 1,942 |
| Loan and lease loss provision to assets | 0.3323% | 407 |
| Net operating income to assets | 1.5713% | 988 |
| Return on assets (ROA) | 1.5713% | 989 |
| Pretax return on assets | 1.5713% | 1,596 |
| Return on Equity (ROE) | 14.9711% | 858 |
| Retained earnings to average equity (ytd only) | 1.4137% | 4,659 |
| Net charge-offs to loans | 0.3477% | 458 |
| Credit loss provision to net charge-offs | 118.3709% | 1,811 |
| Earnings coverage of net charge-offs (x) | 6.7816% | 2,592 |
| Efficiency ratio | 58.3087% | 4,184 |
| Assets per employee ($millions) | 3.6350% | 4,419 |
| Cash dividends to net income (ytd only)* | 90.5573% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 4,277 |
| Loan loss allowance to noncurrent loans | 129.5206% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 1,060 |
| Noncurrent loans to loans | 0.7052% | 2,349 |
| Net loans and leases to total assets | 80.6341% | 923 |
| Net loans and leases to deposits | 96.7434% | 1,066 |
| Net loans and leases to core deposits | 105.4642% | 1,280 |
| Total domestic deposits to total assets | 83.3485% | 3,309 |
| Equity capital to assets | 10.4448% | 3,171 |
| Core capital (leverage) ratio | 9.6145% | 3,981 |
| Tier 1 risk-based capital ratio | 11.0827% | 5,010 |
| Total risk-based capital ratio | 11.9546% | 5,089 |
| Memoranda: | ||
| Average total assets | $411,123,670 | 1,672 |
| Average earning assets | $385,473,330 | 1,659 |
| Average equity | $43,149,670 | 1,737 |
| Average total loans | $331,854,330 | 1,472 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 280 |
| Cost of funding earning assets | 0.9331% | 507 |
| Net interest margin | 4.5521% | 550 |
| Noninterest income to average assets | 0.5978% | 2,270 |
| Noninterest expense to average assets | 3.0916% | 1,850 |
| Loan and lease loss provision to assets | 0.2618% | 543 |
| Net operating income to assets | 1.5190% | 1,035 |
| Return on assets (ROA) | 1.5190% | 1,036 |
| Pretax return on assets | 1.5190% | 1,630 |
| Return on Equity (ROE) | 14.4371% | 919 |
| Retained earnings to average equity (ytd only) | 0.2785% | 4,763 |
| Net charge-offs to loans | 0.4581% | 331 |
| Credit loss provision to net charge-offs | 71.0875% | 1,821 |
| Earnings coverage of net charge-offs (x) | 4.8355% | 2,270 |
| Efficiency ratio | 60.2245% | 4,035 |
| Assets per employee ($millions) | 3.6817% | 4,440 |
| Cash dividends to net income (ytd only)* | 98.0707% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,555 |
| Loan loss allowance to noncurrent loans | 114.6859% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 1,007 |
| Noncurrent loans to loans | 0.7616% | 2,294 |
| Net loans and leases to total assets | 79.5940% | 998 |
| Net loans and leases to deposits | 89.1344% | 1,796 |
| Net loans and leases to core deposits | 99.1357% | 1,754 |
| Total domestic deposits to total assets | 89.2966% | 962 |
| Equity capital to assets | 10.5319% | 3,044 |
| Core capital (leverage) ratio | 9.4581% | 4,111 |
| Tier 1 risk-based capital ratio | 11.2523% | 5,006 |
| Total risk-based capital ratio | 12.0854% | 5,122 |
| Memoranda: | ||
| Average total assets | $409,491,500 | 1,693 |
| Average earning assets | $384,522,500 | 1,679 |
| Average equity | $43,083,500 | 1,748 |
| Average total loans | $329,172,500 | 1,492 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 409 |
| Cost of funding earning assets | 0.7351% | 871 |
| Net interest margin | 4.5037% | 604 |
| Noninterest income to average assets | 0.4411% | 3,365 |
| Noninterest expense to average assets | 2.9138% | 2,405 |
| Loan and lease loss provision to assets | 0.2861% | 615 |
| Net operating income to assets | 1.4707% | 869 |
| Return on assets (ROA) | 1.4707% | 879 |
| Pretax return on assets | 1.4707% | 1,747 |
| Return on Equity (ROE) | 13.6678% | 814 |
| Retained earnings to average equity (ytd only) | 0.7556% | 4,739 |
| Net charge-offs to loans | 0.0744% | 2,383 |
| Credit loss provision to net charge-offs | 502.2026% | 611 |
| Earnings coverage of net charge-offs (x) | 30.8414% | 1,516 |
| Efficiency ratio | 58.9319% | 4,423 |
| Assets per employee ($millions) | 3.7302% | 4,390 |
| Cash dividends to net income (ytd only)* | 94.4719% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,471 |
| Loan loss allowance to noncurrent loans | 52.2304% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 950 |
| Noncurrent loans to loans | 1.7244% | 936 |
| Net loans and leases to total assets | 79.7509% | 993 |
| Net loans and leases to deposits | 96.9818% | 994 |
| Net loans and leases to core deposits | 104.5029% | 1,377 |
| Total domestic deposits to total assets | 82.2328% | 3,809 |
| Equity capital to assets | 10.5106% | 3,160 |
| Core capital (leverage) ratio | 9.6181% | 3,902 |
| Tier 1 risk-based capital ratio | 11.1562% | 5,059 |
| Total risk-based capital ratio | 12.0090% | 5,162 |
| Memoranda: | ||
| Average total assets | $398,515,800 | 1,708 |
| Average earning assets | $374,247,000 | 1,688 |
| Average equity | $42,881,800 | 1,736 |
| Average total loans | $304,924,800 | 1,548 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 428 |
| Cost of funding earning assets | 0.6970% | 977 |
| Net interest margin | 4.4874% | 617 |
| Noninterest income to average assets | 0.4237% | 3,530 |
| Noninterest expense to average assets | 2.8792% | 2,474 |
| Loan and lease loss provision to assets | 0.2949% | 531 |
| Net operating income to assets | 1.4615% | 973 |
| Return on assets (ROA) | 1.4615% | 988 |
| Pretax return on assets | 1.4615% | 1,909 |
| Return on Equity (ROE) | 13.5010% | 932 |
| Retained earnings to average equity (ytd only) | 1.3171% | 4,876 |
| Net charge-offs to loans | 0.0786% | 2,013 |
| Credit loss provision to net charge-offs | 497.1591% | 647 |
| Earnings coverage of net charge-offs (x) | 29.6081% | 1,567 |
| Efficiency ratio | 58.5981% | 4,417 |
| Assets per employee ($millions) | 3.7439% | 4,389 |
| Cash dividends to net income (ytd only)* | 90.2444% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 4,722 |
| Loan loss allowance to noncurrent loans | 40.3655% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.8051% | 764 |
| Noncurrent loans to loans | 2.1291% | 773 |
| Net loans and leases to total assets | 78.7704% | 1,153 |
| Net loans and leases to deposits | 91.4333% | 1,633 |
| Net loans and leases to core deposits | 99.6789% | 1,729 |
| Total domestic deposits to total assets | 86.1507% | 2,250 |
| Equity capital to assets | 10.6859% | 3,177 |
| Core capital (leverage) ratio | 9.7690% | 3,857 |
| Tier 1 risk-based capital ratio | 11.2368% | 5,114 |
| Total risk-based capital ratio | 12.0352% | 5,263 |
| Memoranda: | ||
| Average total assets | $395,565,000 | 1,733 |
| Average earning assets | $371,282,750 | 1,714 |
| Average equity | $42,820,500 | 1,752 |
| Average total loans | $298,604,250 | 1,584 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 531 |
| Cost of funding earning assets | 0.6379% | 1,212 |
| Net interest margin | 4.3993% | 705 |
| Noninterest income to average assets | 0.4477% | 3,370 |
| Noninterest expense to average assets | 2.9208% | 2,359 |
| Loan and lease loss provision to assets | 0.2700% | 588 |
| Net operating income to assets | 1.3809% | 1,107 |
| Return on assets (ROA) | 1.3809% | 1,133 |
| Pretax return on assets | 1.3809% | 2,094 |
| Return on Equity (ROE) | 12.7005% | 1,113 |
| Retained earnings to average equity (ytd only) | 1.1244% | 4,790 |
| Net charge-offs to loans | 0.0295% | 2,614 |
| Credit loss provision to net charge-offs | 1,232.5581% | 329 |
| Earnings coverage of net charge-offs (x) | 75.3721% | 800 |
| Efficiency ratio | 60.3008% | 4,276 |
| Assets per employee ($millions) | 4.0345% | 3,901 |
| Cash dividends to net income (ytd only)* | 91.1472% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,849 |
| Loan loss allowance to noncurrent loans | 46.3202% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4352% | 1,090 |
| Noncurrent loans to loans | 1.8087% | 995 |
| Net loans and leases to total assets | 73.3156% | 1,986 |
| Net loans and leases to deposits | 88.0191% | 1,979 |
| Net loans and leases to core deposits | 97.7154% | 1,836 |
| Total domestic deposits to total assets | 83.2952% | 3,468 |
| Equity capital to assets | 10.4381% | 3,421 |
| Core capital (leverage) ratio | 10.0317% | 3,499 |
| Tier 1 risk-based capital ratio | 11.2299% | 5,123 |
| Total risk-based capital ratio | 11.9728% | 5,303 |
| Memoranda: | ||
| Average total assets | $392,638,000 | 1,752 |
| Average earning assets | $368,058,330 | 1,729 |
| Average equity | $42,691,330 | 1,751 |
| Average total loans | $291,050,330 | 1,615 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 475 |
| Cost of funding earning assets | 0.6172% | 1,257 |
| Net interest margin | 4.4437% | 583 |
| Noninterest income to average assets | 0.4551% | 3,283 |
| Noninterest expense to average assets | 3.0428% | 2,038 |
| Loan and lease loss provision to assets | 0.5376% | 187 |
| Net operating income to assets | 1.0386% | 2,124 |
| Return on assets (ROA) | 1.0386% | 2,172 |
| Pretax return on assets | 1.0386% | 3,203 |
| Return on Equity (ROE) | 9.3516% | 2,255 |
| Retained earnings to average equity (ytd only) | -1.9549% | 5,162 |
| Net charge-offs to loans | 0.0295% | 2,170 |
| Credit loss provision to net charge-offs | 2,452.3810% | 143 |
| Earnings coverage of net charge-offs (x) | 71.9048% | 708 |
| Efficiency ratio | 62.2373% | 4,118 |
| Assets per employee ($millions) | 3.3786% | 4,957 |
| Cash dividends to net income (ytd only)* | 120.9045% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,779 |
| Loan loss allowance to noncurrent loans | 125.6637% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 2,686 |
| Noncurrent loans to loans | 0.7116% | 2,718 |
| Net loans and leases to total assets | 74.8586% | 1,606 |
| Net loans and leases to deposits | 84.4752% | 2,224 |
| Net loans and leases to core deposits | 91.1724% | 2,245 |
| Total domestic deposits to total assets | 88.6161% | 1,365 |
| Equity capital to assets | 11.2311% | 2,408 |
| Core capital (leverage) ratio | 9.9420% | 3,575 |
| Tier 1 risk-based capital ratio | 11.2897% | 5,146 |
| Total risk-based capital ratio | 12.0504% | 5,329 |
| Memoranda: | ||
| Average total assets | $383,196,000 | 1,803 |
| Average earning assets | $359,069,000 | 1,780 |
| Average equity | $42,559,500 | 1,753 |
| Average total loans | $284,446,000 | 1,650 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 719 |
| Cost of funding earning assets | 0.5685% | 1,550 |
| Net interest margin | 4.3474% | 856 |
| Noninterest income to average assets | 0.4926% | 3,286 |
| Noninterest expense to average assets | 3.1413% | 1,919 |
| Loan and lease loss provision to assets | 0.2396% | 890 |
| Net operating income to assets | 1.1789% | 1,571 |
| Return on assets (ROA) | 1.1789% | 1,671 |
| Pretax return on assets | 1.1789% | 2,765 |
| Return on Equity (ROE) | 10.3015% | 1,844 |
| Retained earnings to average equity (ytd only) | -0.0868% | 5,320 |
| Net charge-offs to loans | 0.0418% | 3,195 |
| Credit loss provision to net charge-offs | 825.9259% | 445 |
| Earnings coverage of net charge-offs (x) | 48.8981% | 1,023 |
| Efficiency ratio | 66.3348% | 3,537 |
| Assets per employee ($millions) | 3.5272% | 4,721 |
| Cash dividends to net income (ytd only)* | 100.8430% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 5,299 |
| Loan loss allowance to noncurrent loans | 441.3276% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 4,487 |
| Noncurrent loans to loans | 0.1650% | 4,572 |
| Net loans and leases to total assets | 72.4267% | 2,106 |
| Net loans and leases to deposits | 86.4650% | 2,107 |
| Net loans and leases to core deposits | 94.7859% | 2,032 |
| Total domestic deposits to total assets | 83.7642% | 3,516 |
| Equity capital to assets | 10.9849% | 2,639 |
| Core capital (leverage) ratio | 10.2441% | 3,180 |
| Tier 1 risk-based capital ratio | 11.4677% | 5,077 |
| Total risk-based capital ratio | 12.0821% | 5,315 |
| Memoranda: | ||
| Average total assets | $372,303,200 | 1,800 |
| Average earning assets | $348,298,400 | 1,785 |
| Average equity | $42,605,400 | 1,736 |
| Average total loans | $258,346,200 | 1,744 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 753 |
| Cost of funding earning assets | 0.5627% | 1,591 |
| Net interest margin | 4.3180% | 898 |
| Noninterest income to average assets | 0.5067% | 3,201 |
| Noninterest expense to average assets | 3.1561% | 1,887 |
| Loan and lease loss provision to assets | 0.2360% | 823 |
| Net operating income to assets | 1.1528% | 1,799 |
| Return on assets (ROA) | 1.1528% | 1,896 |
| Pretax return on assets | 1.1528% | 3,034 |
| Return on Equity (ROE) | 9.9680% | 2,065 |
| Retained earnings to average equity (ytd only) | -0.3881% | 5,425 |
| Net charge-offs to loans | 0.0418% | 2,807 |
| Credit loss provision to net charge-offs | 825.3165% | 487 |
| Earnings coverage of net charge-offs (x) | 48.5699% | 1,096 |
| Efficiency ratio | 66.8472% | 3,452 |
| Assets per employee ($millions) | 3.3942% | 4,915 |
| Cash dividends to net income (ytd only)* | 103.8933% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 5,471 |
| Loan loss allowance to noncurrent loans | 68.5947% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 2,430 |
| Noncurrent loans to loans | 0.9863% | 2,270 |
| Net loans and leases to total assets | 72.0867% | 2,179 |
| Net loans and leases to deposits | 87.5412% | 2,074 |
| Net loans and leases to core deposits | 93.8100% | 2,207 |
| Total domestic deposits to total assets | 82.3460% | 3,825 |
| Equity capital to assets | 11.2714% | 2,726 |
| Core capital (leverage) ratio | 10.3412% | 3,172 |
| Tier 1 risk-based capital ratio | 11.5358% | 5,067 |
| Total risk-based capital ratio | 12.0936% | 5,367 |
| Memoranda: | ||
| Average total assets | $368,382,000 | 1,819 |
| Average earning assets | $344,499,250 | 1,807 |
| Average equity | $42,601,750 | 1,746 |
| Average total loans | $252,165,750 | 1,779 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 804 |
| Cost of funding earning assets | 0.5495% | 1,704 |
| Net interest margin | 4.2987% | 926 |
| Noninterest income to average assets | 0.5367% | 2,974 |
| Noninterest expense to average assets | 3.2063% | 1,794 |
| Loan and lease loss provision to assets | 0.2172% | 962 |
| Net operating income to assets | 1.1319% | 1,845 |
| Return on assets (ROA) | 1.1319% | 1,961 |
| Pretax return on assets | 1.1319% | 3,080 |
| Return on Equity (ROE) | 9.7029% | 2,181 |
| Retained earnings to average equity (ytd only) | -0.3611% | 5,348 |
| Net charge-offs to loans | 0.0392% | 2,676 |
| Credit loss provision to net charge-offs | 827.0833% | 437 |
| Earnings coverage of net charge-offs (x) | 51.3750% | 978 |
| Efficiency ratio | 67.7795% | 3,384 |
| Assets per employee ($millions) | 3.3110% | 5,046 |
| Cash dividends to net income (ytd only)* | 103.7216% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6382% | 5,631 |
| Loan loss allowance to noncurrent loans | 512.9338% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 4,915 |
| Noncurrent loans to loans | 0.1244% | 4,942 |
| Net loans and leases to total assets | 68.8783% | 2,655 |
| Net loans and leases to deposits | 83.1492% | 2,575 |
| Net loans and leases to core deposits | 90.5809% | 2,482 |
| Total domestic deposits to total assets | 82.8371% | 3,713 |
| Equity capital to assets | 11.5926% | 2,449 |
| Core capital (leverage) ratio | 10.5930% | 2,855 |
| Tier 1 risk-based capital ratio | 11.9487% | 4,859 |
| Total risk-based capital ratio | 12.4576% | 5,226 |
| Memoranda: | ||
| Average total assets | $365,589,670 | 1,833 |
| Average earning assets | $341,778,000 | 1,821 |
| Average equity | $42,647,000 | 1,744 |
| Average total loans | $245,073,330 | 1,830 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 811 |
| Cost of funding earning assets | 0.5270% | 1,890 |
| Net interest margin | 4.2948% | 940 |
| Noninterest income to average assets | 0.4256% | 3,644 |
| Noninterest expense to average assets | 3.2790% | 1,653 |
| Loan and lease loss provision to assets | 0.1667% | 1,240 |
| Net operating income to assets | 0.9939% | 2,310 |
| Return on assets (ROA) | 0.9939% | 2,424 |
| Pretax return on assets | 0.9939% | 3,506 |
| Return on Equity (ROE) | 8.4935% | 2,666 |
| Retained earnings to average equity (ytd only) | -3.1405% | 5,485 |
| Net charge-offs to loans | 0.0150% | 2,641 |
| Credit loss provision to net charge-offs | 1,688.8889% | 243 |
| Earnings coverage of net charge-offs (x) | 117.5556% | 478 |
| Efficiency ratio | 71.1638% | 2,923 |
| Assets per employee ($millions) | 3.3741% | 5,015 |
| Cash dividends to net income (ytd only)* | 136.9757% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5754% | 5,780 |
| Loan loss allowance to noncurrent loans | 1,084.7328% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 5,180 |
| Noncurrent loans to loans | 0.0530% | 5,275 |
| Net loans and leases to total assets | 66.7646% | 2,849 |
| Net loans and leases to deposits | 75.5079% | 3,277 |
| Net loans and leases to core deposits | 81.0202% | 3,233 |
| Total domestic deposits to total assets | 88.4208% | 1,395 |
| Equity capital to assets | 11.4362% | 2,500 |
| Core capital (leverage) ratio | 10.4813% | 2,988 |
| Tier 1 risk-based capital ratio | 11.5290% | 5,223 |
| Total risk-based capital ratio | 11.9624% | 5,564 |
| Memoranda: | ||
| Average total assets | $364,625,000 | 1,841 |
| Average earning assets | $340,782,500 | 1,825 |
| Average equity | $42,668,000 | 1,740 |
| Average total loans | $240,226,500 | 1,858 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,291 |
| Cost of funding earning assets | 0.4234% | 2,908 |
| Net interest margin | 3.8523% | 2,193 |
| Noninterest income to average assets | 0.5472% | 3,026 |
| Noninterest expense to average assets | 2.9389% | 2,731 |
| Loan and lease loss provision to assets | 0.0207% | 3,983 |
| Net operating income to assets | 1.1752% | 1,653 |
| Return on assets (ROA) | 1.1752% | 1,727 |
| Pretax return on assets | 1.1752% | 2,749 |
| Return on Equity (ROE) | 10.1814% | 1,939 |
| Retained earnings to average equity (ytd only) | 3.6246% | 3,473 |
| Net charge-offs to loans | 0.0332% | 3,545 |
| Credit loss provision to net charge-offs | 103.8462% | 2,414 |
| Earnings coverage of net charge-offs (x) | 60.1346% | 869 |
| Efficiency ratio | 69.0714% | 3,386 |
| Assets per employee ($millions) | 3.3469% | 5,071 |
| Cash dividends to net income (ytd only)* | 64.3996% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5474% | 5,874 |
| Loan loss allowance to noncurrent loans | 181.2766% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 4,550 |
| Noncurrent loans to loans | 0.3019% | 4,377 |
| Net loans and leases to total assets | 64.2396% | 3,241 |
| Net loans and leases to deposits | 73.0597% | 3,608 |
| Net loans and leases to core deposits | 80.6104% | 3,283 |
| Total domestic deposits to total assets | 87.9276% | 1,672 |
| Equity capital to assets | 11.9722% | 1,972 |
| Core capital (leverage) ratio | 10.8571% | 2,552 |
| Tier 1 risk-based capital ratio | 12.1900% | 4,829 |
| Total risk-based capital ratio | 12.5948% | 5,244 |
| Memoranda: | ||
| Average total assets | $261,490,800 | 2,411 |
| Average earning assets | $243,519,000 | 2,392 |
| Average equity | $30,182,600 | 2,311 |
| Average total loans | $156,701,600 | 2,510 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 3,770 |
| Cost of funding earning assets | 0.3810% | 3,424 |
| Net interest margin | 3.5085% | 3,503 |
| Noninterest income to average assets | 0.4724% | 3,554 |
| Noninterest expense to average assets | 2.6836% | 3,617 |
| Loan and lease loss provision to assets | 0.0248% | 3,768 |
| Net operating income to assets | 1.0295% | 2,332 |
| Return on assets (ROA) | 1.0295% | 2,420 |
| Pretax return on assets | 1.0295% | 3,507 |
| Return on Equity (ROE) | 9.0475% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.4453% | 2,612 |
| Net charge-offs to loans | 0.0184% | 3,578 |
| Credit loss provision to net charge-offs | 231.5789% | 1,202 |
| Earnings coverage of net charge-offs (x) | 98.4315% | 635 |
| Efficiency ratio | 70.1508% | 3,184 |
| Assets per employee ($millions) | 3.2613% | 5,192 |
| Cash dividends to net income (ytd only)* | 39.8138% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 5,886 |
| Loan loss allowance to noncurrent loans | 402.4768% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 5,109 |
| Noncurrent loans to loans | 0.1499% | 5,038 |
| Net loans and leases to total assets | 62.5407% | 3,533 |
| Net loans and leases to deposits | 77.6229% | 3,135 |
| Net loans and leases to core deposits | 81.3751% | 3,317 |
| Total domestic deposits to total assets | 80.5699% | 4,588 |
| Equity capital to assets | 12.5354% | 1,730 |
| Core capital (leverage) ratio | 11.4147% | 2,111 |
| Tier 1 risk-based capital ratio | 12.6034% | 4,679 |
| Total risk-based capital ratio | 13.0302% | 5,136 |
| Memoranda: | ||
| Average total assets | $236,496,000 | 2,623 |
| Average earning assets | $220,105,500 | 2,606 |
| Average equity | $26,909,250 | 2,567 |
| Average total loans | $137,505,750 | 2,774 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6415% | 6,105 |
| Cost of funding earning assets | 0.2960% | 4,435 |
| Net interest margin | 2.3455% | 6,073 |
| Noninterest income to average assets | 0.4201% | 3,922 |
| Noninterest expense to average assets | 1.9714% | 5,585 |
| Loan and lease loss provision to assets | 0.0089% | 3,932 |
| Net operating income to assets | 0.6356% | 4,193 |
| Return on assets (ROA) | 0.6356% | 4,304 |
| Pretax return on assets | 0.6356% | 4,876 |
| Return on Equity (ROE) | 5.8802% | 4,193 |
| Retained earnings to average equity (ytd only) | -0.7993% | 5,662 |
| Net charge-offs to loans | -0.0108% | 4,944 |
| Credit loss provision to net charge-offs | -150.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3607% | 2,483 |
| Assets per employee ($millions) | 3.3080% | 5,151 |
| Cash dividends to net income (ytd only)* | 113.5938% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 5,919 |
| Loan loss allowance to noncurrent loans | 861.3333% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 5,446 |
| Noncurrent loans to loans | 0.0734% | 5,436 |
| Net loans and leases to total assets | 59.0195% | 3,976 |
| Net loans and leases to deposits | 69.7242% | 3,963 |
| Net loans and leases to core deposits | 72.6300% | 4,072 |
| Total domestic deposits to total assets | 84.6471% | 3,273 |
| Equity capital to assets | 12.2703% | 1,828 |
| Core capital (leverage) ratio | 27.5747% | 75 |
| Tier 1 risk-based capital ratio | 12.1193% | 5,066 |
| Total risk-based capital ratio | 12.5101% | 5,518 |
| Memoranda: | ||
| Average total assets | $201,379,670 | 2,978 |
| Average earning assets | $188,532,330 | 2,945 |
| Average equity | $21,768,000 | 3,025 |
| Average total loans | $111,520,000 | 3,222 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,079 |
| Cost of funding earning assets | 0.4512% | 2,757 |
| Net interest margin | 3.5901% | 3,049 |
| Noninterest income to average assets | 0.6243% | 2,527 |
| Noninterest expense to average assets | 2.9895% | 2,622 |
| Loan and lease loss provision to assets | 0.0277% | 3,332 |
| Net operating income to assets | 1.0088% | 2,225 |
| Return on assets (ROA) | 1.0088% | 2,361 |
| Pretax return on assets | 1.0088% | 3,460 |
| Return on Equity (ROE) | 11.3637% | 1,533 |
| Retained earnings to average equity (ytd only) | 6.0283% | 2,487 |
| Net charge-offs to loans | 0.0123% | 2,945 |
| Credit loss provision to net charge-offs | 450.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 168.5000% | 326 |
| Efficiency ratio | 74.2552% | 2,778 |
| Assets per employee ($millions) | 3.1553% | 5,473 |
| Cash dividends to net income (ytd only)* | 46.9512% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 1,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 3,210 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.8183% | 4,768 |
| Net loans and leases to deposits | 58.2019% | 4,900 |
| Net loans and leases to core deposits | 63.8847% | 4,707 |
| Total domestic deposits to total assets | 87.3139% | 2,207 |
| Equity capital to assets | 8.7773% | 5,524 |
| Core capital (leverage) ratio | 8.8681% | 5,117 |
| Tier 1 risk-based capital ratio | 10.2697% | 6,090 |
| Total risk-based capital ratio | 11.4126% | 6,064 |
| Memoranda: | ||
| Average total assets | $130,056,000 | 3,988 |
| Average earning assets | $123,227,000 | 3,920 |
| Average equity | $11,545,500 | 4,499 |
| Average total loans | $65,112,500 | 4,327 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 3,661 |
| Cost of funding earning assets | 0.5065% | 2,607 |
| Net interest margin | 3.5116% | 3,748 |
| Noninterest income to average assets | 0.6689% | 2,455 |
| Noninterest expense to average assets | 3.1831% | 2,254 |
| Loan and lease loss provision to assets | 0.0095% | 4,438 |
| Net operating income to assets | 0.7805% | 3,470 |
| Return on assets (ROA) | 0.7805% | 3,557 |
| Pretax return on assets | 0.7805% | 4,333 |
| Return on Equity (ROE) | 8.5630% | 2,806 |
| Retained earnings to average equity (ytd only) | -0.1042% | 5,787 |
| Net charge-offs to loans | 0.4493% | 936 |
| Credit loss provision to net charge-offs | 4.4776% | 4,162 |
| Earnings coverage of net charge-offs (x) | 3.7239% | 3,820 |
| Efficiency ratio | 80.1156% | 1,911 |
| Assets per employee ($millions) | 3.0378% | 5,647 |
| Cash dividends to net income (ytd only)* | 101.2170% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 990 |
| Loan loss allowance to noncurrent loans | 1,850.7246% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 3,098 |
| Noncurrent loans to loans | 0.1120% | 5,445 |
| Net loans and leases to total assets | 47.2760% | 5,222 |
| Net loans and leases to deposits | 51.9736% | 5,483 |
| Net loans and leases to core deposits | 52.9606% | 5,565 |
| Total domestic deposits to total assets | 90.9616% | 381 |
| Equity capital to assets | 8.9812% | 5,313 |
| Core capital (leverage) ratio | 9.1826% | 4,705 |
| Tier 1 risk-based capital ratio | 12.2354% | 5,202 |
| Total risk-based capital ratio | 13.3811% | 5,183 |
| Memoranda: | ||
| Average total assets | $126,323,200 | 4,052 |
| Average earning assets | $118,863,400 | 3,993 |
| Average equity | $11,514,600 | 4,454 |
| Average total loans | $59,648,400 | 4,500 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,537 |
| Cost of funding earning assets | 0.5240% | 2,530 |
| Net interest margin | 3.5307% | 3,711 |
| Noninterest income to average assets | 0.7089% | 2,285 |
| Noninterest expense to average assets | 3.1299% | 2,383 |
| Loan and lease loss provision to assets | 0.0127% | 4,163 |
| Net operating income to assets | 0.8814% | 3,015 |
| Return on assets (ROA) | 0.8814% | 3,112 |
| Pretax return on assets | 0.8814% | 4,069 |
| Return on Equity (ROE) | 9.6339% | 2,390 |
| Retained earnings to average equity (ytd only) | 3.1341% | 4,392 |
| Net charge-offs to loans | 0.5814% | 638 |
| Credit loss provision to net charge-offs | 4.6512% | 3,760 |
| Earnings coverage of net charge-offs (x) | 3.2752% | 3,696 |
| Efficiency ratio | 77.7807% | 2,216 |
| Assets per employee ($millions) | 2.9264% | 5,817 |
| Cash dividends to net income (ytd only)* | 67.4665% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0717% | 1,128 |
| Loan loss allowance to noncurrent loans | 192.5150% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8771% | 3,239 |
| Noncurrent loans to loans | 1.0761% | 2,922 |
| Net loans and leases to total assets | 49.4602% | 5,059 |
| Net loans and leases to deposits | 56.4045% | 5,215 |
| Net loans and leases to core deposits | 57.0156% | 5,390 |
| Total domestic deposits to total assets | 87.6883% | 1,928 |
| Equity capital to assets | 9.5316% | 4,755 |
| Core capital (leverage) ratio | 9.4689% | 4,416 |
| Tier 1 risk-based capital ratio | 12.7933% | 4,982 |
| Total risk-based capital ratio | 13.9311% | 4,961 |
| Memoranda: | ||
| Average total assets | $126,006,750 | 4,088 |
| Average earning assets | $118,310,750 | 4,030 |
| Average equity | $11,528,500 | 4,479 |
| Average total loans | $59,161,500 | 4,554 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,538 |
| Cost of funding earning assets | 0.5401% | 2,434 |
| Net interest margin | 3.5101% | 3,742 |
| Noninterest income to average assets | 0.6927% | 2,320 |
| Noninterest expense to average assets | 3.1817% | 2,248 |
| Loan and lease loss provision to assets | 0.0126% | 4,005 |
| Net operating income to assets | 0.7824% | 3,412 |
| Return on assets (ROA) | 0.7824% | 3,511 |
| Pretax return on assets | 0.7824% | 4,339 |
| Return on Equity (ROE) | 8.6689% | 2,745 |
| Retained earnings to average equity (ytd only) | 3.2792% | 4,119 |
| Net charge-offs to loans | 0.8764% | 416 |
| Credit loss provision to net charge-offs | 3.1373% | 3,377 |
| Earnings coverage of net charge-offs (x) | 1.9804% | 3,676 |
| Efficiency ratio | 80.0079% | 2,026 |
| Assets per employee ($millions) | 2.8630% | 5,945 |
| Cash dividends to net income (ytd only)* | 62.1730% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 1,253 |
| Loan loss allowance to noncurrent loans | 119.2022% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 3,401 |
| Noncurrent loans to loans | 1.7291% | 1,995 |
| Net loans and leases to total assets | 48.4699% | 5,134 |
| Net loans and leases to deposits | 57.1180% | 5,112 |
| Net loans and leases to core deposits | 57.7490% | 5,291 |
| Total domestic deposits to total assets | 84.8592% | 3,580 |
| Equity capital to assets | 9.1974% | 5,107 |
| Core capital (leverage) ratio | 9.1171% | 4,855 |
| Tier 1 risk-based capital ratio | 12.6536% | 5,117 |
| Total risk-based capital ratio | 13.7999% | 5,124 |
| Memoranda: | ||
| Average total assets | $127,040,000 | 4,095 |
| Average earning assets | $118,857,000 | 4,038 |
| Average equity | $11,466,330 | 4,506 |
| Average total loans | $58,190,000 | 4,604 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,673 |
| Cost of funding earning assets | 0.5626% | 2,316 |
| Net interest margin | 3.4399% | 3,940 |
| Noninterest income to average assets | 0.7023% | 2,156 |
| Noninterest expense to average assets | 3.0414% | 2,726 |
| Loan and lease loss provision to assets | 0.0251% | 3,505 |
| Net operating income to assets | 0.8183% | 3,059 |
| Return on assets (ROA) | 0.8183% | 3,130 |
| Pretax return on assets | 0.8183% | 4,037 |
| Return on Equity (ROE) | 9.1527% | 2,392 |
| Retained earnings to average equity (ytd only) | 3.3314% | 4,130 |
| Net charge-offs to loans | 0.0214% | 3,149 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 89.6667% | 497 |
| Efficiency ratio | 78.2889% | 2,439 |
| Assets per employee ($millions) | 2.9397% | 5,929 |
| Cash dividends to net income (ytd only)* | 63.6015% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6609% | 667 |
| Loan loss allowance to noncurrent loans | 115.7380% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 3,207 |
| Noncurrent loans to loans | 2.2990% | 1,550 |
| Net loans and leases to total assets | 43.4698% | 5,559 |
| Net loans and leases to deposits | 47.7475% | 5,746 |
| Net loans and leases to core deposits | 48.2262% | 5,861 |
| Total domestic deposits to total assets | 91.0410% | 554 |
| Equity capital to assets | 8.8693% | 5,256 |
| Core capital (leverage) ratio | 9.0990% | 4,873 |
| Tier 1 risk-based capital ratio | 12.6841% | 5,201 |
| Total risk-based capital ratio | 13.8151% | 5,213 |
| Memoranda: | ||
| Average total assets | $127,574,500 | 4,117 |
| Average earning assets | $118,027,500 | 4,094 |
| Average equity | $11,406,500 | 4,522 |
| Average total loans | $56,113,500 | 4,723 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 3,116 |
| Cost of funding earning assets | 0.6934% | 1,868 |
| Net interest margin | 3.5655% | 3,618 |
| Noninterest income to average assets | 0.7099% | 2,486 |
| Noninterest expense to average assets | 3.2666% | 2,231 |
| Loan and lease loss provision to assets | 0.0195% | 4,748 |
| Net operating income to assets | 0.7084% | 3,757 |
| Return on assets (ROA) | 0.7084% | 3,839 |
| Pretax return on assets | 0.7084% | 4,510 |
| Return on Equity (ROE) | 8.0638% | 3,006 |
| Retained earnings to average equity (ytd only) | 2.2696% | 4,632 |
| Net charge-offs to loans | -0.1279% | 6,536 |
| Credit loss provision to net charge-offs | -34.7222% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7773% | 1,908 |
| Assets per employee ($millions) | 2.7349% | 6,182 |
| Cash dividends to net income (ytd only)* | 71.8543% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8129% | 585 |
| Loan loss allowance to noncurrent loans | 116.1486% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 3,319 |
| Noncurrent loans to loans | 2.4218% | 1,579 |
| Net loans and leases to total assets | 42.0750% | 5,820 |
| Net loans and leases to deposits | 46.2721% | 5,989 |
| Net loans and leases to core deposits | 46.6271% | 6,108 |
| Total domestic deposits to total assets | 90.9295% | 603 |
| Equity capital to assets | 9.0148% | 5,023 |
| Core capital (leverage) ratio | 9.0538% | 4,924 |
| Tier 1 risk-based capital ratio | 12.8700% | 5,069 |
| Total risk-based capital ratio | 13.9956% | 5,089 |
| Memoranda: | ||
| Average total assets | $127,901,200 | 4,115 |
| Average earning assets | $117,823,600 | 4,091 |
| Average equity | $11,235,400 | 4,591 |
| Average total loans | $56,279,600 | 4,741 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,893 |
| Cost of funding earning assets | 0.7161% | 1,842 |
| Net interest margin | 3.6075% | 3,412 |
| Noninterest income to average assets | 0.6935% | 2,646 |
| Noninterest expense to average assets | 3.3264% | 2,011 |
| Loan and lease loss provision to assets | 0.0218% | 4,567 |
| Net operating income to assets | 0.6769% | 3,971 |
| Return on assets (ROA) | 0.6769% | 4,118 |
| Pretax return on assets | 0.6769% | 4,758 |
| Return on Equity (ROE) | 7.7555% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.6755% | 4,087 |
| Net charge-offs to loans | -0.1880% | 6,640 |
| Credit loss provision to net charge-offs | -26.2500% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6412% | 1,740 |
| Assets per employee ($millions) | 2.7882% | 6,171 |
| Cash dividends to net income (ytd only)* | 52.6072% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7086% | 736 |
| Loan loss allowance to noncurrent loans | 114.3708% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0471% | 3,557 |
| Noncurrent loans to loans | 2.3682% | 1,860 |
| Net loans and leases to total assets | 43.0169% | 5,813 |
| Net loans and leases to deposits | 47.8334% | 5,972 |
| Net loans and leases to core deposits | 48.5473% | 6,093 |
| Total domestic deposits to total assets | 89.9305% | 1,041 |
| Equity capital to assets | 8.9039% | 5,298 |
| Core capital (leverage) ratio | 8.9788% | 5,154 |
| Tier 1 risk-based capital ratio | 12.5488% | 5,429 |
| Total risk-based capital ratio | 13.6782% | 5,438 |
| Memoranda: | ||
| Average total assets | $128,425,500 | 4,151 |
| Average earning assets | $118,600,750 | 4,117 |
| Average equity | $11,209,000 | 4,643 |
| Average total loans | $56,733,500 | 4,766 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 2,765 |
| Cost of funding earning assets | 0.7389% | 1,782 |
| Net interest margin | 3.6100% | 3,317 |
| Noninterest income to average assets | 0.6631% | 2,836 |
| Noninterest expense to average assets | 3.4931% | 1,622 |
| Loan and lease loss provision to assets | 0.0327% | 4,279 |
| Net operating income to assets | 0.4608% | 4,971 |
| Return on assets (ROA) | 0.4608% | 5,141 |
| Pretax return on assets | 0.4608% | 5,494 |
| Return on Equity (ROE) | 5.3148% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.3148% | 2,858 |
| Net charge-offs to loans | 0.0634% | 3,797 |
| Credit loss provision to net charge-offs | 116.6667% | 1,900 |
| Earnings coverage of net charge-offs (x) | 17.6111% | 1,596 |
| Efficiency ratio | 87.6220% | 1,261 |
| Assets per employee ($millions) | 2.8143% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4731% | 1,010 |
| Loan loss allowance to noncurrent loans | 107.4794% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0328% | 3,687 |
| Noncurrent loans to loans | 2.3010% | 2,054 |
| Net loans and leases to total assets | 43.7747% | 5,760 |
| Net loans and leases to deposits | 48.0600% | 5,978 |
| Net loans and leases to core deposits | 48.7584% | 6,089 |
| Total domestic deposits to total assets | 91.0835% | 516 |
| Equity capital to assets | 8.7551% | 5,486 |
| Core capital (leverage) ratio | 8.9690% | 5,045 |
| Tier 1 risk-based capital ratio | 12.0063% | 5,788 |
| Total risk-based capital ratio | 13.1119% | 5,827 |
| Memoranda: | ||
| Average total assets | $128,481,000 | 4,176 |
| Average earning assets | $118,283,000 | 4,151 |
| Average equity | $11,138,670 | 4,698 |
| Average total loans | $56,741,670 | 4,792 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,095 |
| Cost of funding earning assets | 0.7643% | 1,753 |
| Net interest margin | 3.7565% | 2,624 |
| Noninterest income to average assets | 0.6375% | 2,945 |
| Noninterest expense to average assets | 3.8408% | 1,063 |
| Loan and lease loss provision to assets | 0.0469% | 3,832 |
| Net operating income to assets | 0.1750% | 5,965 |
| Return on assets (ROA) | 0.1750% | 6,068 |
| Pretax return on assets | 0.1750% | 6,122 |
| Return on Equity (ROE) | 2.0288% | 5,927 |
| Retained earnings to average equity (ytd only) | 2.0288% | 4,984 |
| Net charge-offs to loans | 0.1142% | 2,742 |
| Credit loss provision to net charge-offs | 93.7500% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.4375% | 2,557 |
| Efficiency ratio | 94.5385% | 803 |
| Assets per employee ($millions) | 2.8334% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5833% | 1,026 |
| Loan loss allowance to noncurrent loans | 107.0149% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0281% | 3,875 |
| Noncurrent loans to loans | 2.4139% | 2,148 |
| Net loans and leases to total assets | 41.4905% | 5,880 |
| Net loans and leases to deposits | 45.3883% | 6,094 |
| Net loans and leases to core deposits | 46.0383% | 6,210 |
| Total domestic deposits to total assets | 91.4122% | 381 |
| Equity capital to assets | 8.4988% | 6,020 |
| Core capital (leverage) ratio | 8.8043% | 5,183 |
| Tier 1 risk-based capital ratio | 11.8391% | 6,003 |
| Total risk-based capital ratio | 12.9414% | 6,065 |
| Memoranda: | ||
| Average total assets | $127,993,500 | 4,224 |
| Average earning assets | $116,705,000 | 4,225 |
| Average equity | $11,041,000 | 4,758 |
| Average total loans | $56,059,500 | 4,857 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 1,907 |
| Cost of funding earning assets | 0.8308% | 2,417 |
| Net interest margin | 4.0487% | 2,207 |
| Noninterest income to average assets | 0.8002% | 2,265 |
| Noninterest expense to average assets | 3.0058% | 3,248 |
| Loan and lease loss provision to assets | 0.0055% | 5,856 |
| Net operating income to assets | 1.5006% | 915 |
| Return on assets (ROA) | 1.5006% | 1,005 |
| Pretax return on assets | 1.5006% | 1,674 |
| Return on Equity (ROE) | 16.8875% | 549 |
| Retained earnings to average equity (ytd only) | 1.5835% | 5,080 |
| Net charge-offs to loans | 0.0190% | 5,644 |
| Credit loss provision to net charge-offs | 70.0000% | 4,164 |
| Earnings coverage of net charge-offs (x) | 191.6000% | 219 |
| Efficiency ratio | 66.6202% | 4,392 |
| Assets per employee ($millions) | 2.6734% | 6,454 |
| Cash dividends to net income (ytd only)* | 90.6234% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5350% | 1,092 |
| Loan loss allowance to noncurrent loans | 108.0572% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 3,916 |
| Noncurrent loans to loans | 2.3460% | 2,292 |
| Net loans and leases to total assets | 43.9097% | 5,826 |
| Net loans and leases to deposits | 50.6105% | 5,912 |
| Net loans and leases to core deposits | 51.4002% | 6,060 |
| Total domestic deposits to total assets | 86.7602% | 2,956 |
| Equity capital to assets | 8.7584% | 5,783 |
| Core capital (leverage) ratio | 8.9298% | 5,004 |
| Tier 1 risk-based capital ratio | 11.6873% | 5,963 |
| Total risk-based capital ratio | 12.7835% | 6,044 |
| Memoranda: | ||
| Average total assets | $127,219,800 | 4,204 |
| Average earning assets | $116,629,400 | 4,196 |
| Average equity | $11,304,200 | 4,704 |
| Average total loans | $52,595,600 | 4,991 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 3,823 |
| Cost of funding earning assets | 0.8510% | 2,527 |
| Net interest margin | 3.6007% | 4,233 |
| Noninterest income to average assets | 0.7533% | 2,461 |
| Noninterest expense to average assets | 3.1083% | 2,862 |
| Loan and lease loss provision to assets | 0.0073% | 5,716 |
| Net operating income to assets | 0.9445% | 2,770 |
| Return on assets (ROA) | 0.9445% | 2,997 |
| Pretax return on assets | 0.9445% | 3,940 |
| Return on Equity (ROE) | 10.5923% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.5923% | 765 |
| Net charge-offs to loans | 0.0103% | 5,568 |
| Credit loss provision to net charge-offs | 175.0000% | 1,587 |
| Earnings coverage of net charge-offs (x) | 227.8874% | 194 |
| Efficiency ratio | 76.5569% | 2,590 |
| Assets per employee ($millions) | 2.5816% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5792% | 1,104 |
| Loan loss allowance to noncurrent loans | 44.4856% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.5590% | 2,061 |
| Noncurrent loans to loans | 5.7979% | 721 |
| Net loans and leases to total assets | 42.9979% | 6,037 |
| Net loans and leases to deposits | 50.4883% | 6,076 |
| Net loans and leases to core deposits | 51.8775% | 6,187 |
| Total domestic deposits to total assets | 85.1641% | 3,680 |
| Equity capital to assets | 9.3362% | 5,423 |
| Core capital (leverage) ratio | 9.4230% | 4,385 |
| Tier 1 risk-based capital ratio | 12.8854% | 5,337 |
| Total risk-based capital ratio | 13.9787% | 5,416 |
| Memoranda: | ||
| Average total assets | $127,612,000 | 4,240 |
| Average earning assets | $117,195,000 | 4,215 |
| Average equity | $11,379,000 | 4,736 |
| Average total loans | $51,592,500 | 5,094 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 4,049 |
| Cost of funding earning assets | 0.8742% | 2,612 |
| Net interest margin | 3.5595% | 4,416 |
| Noninterest income to average assets | 0.7517% | 2,409 |
| Noninterest expense to average assets | 3.0285% | 3,155 |
| Loan and lease loss provision to assets | 0.0109% | 5,524 |
| Net operating income to assets | 0.9892% | 2,518 |
| Return on assets (ROA) | 0.9892% | 2,747 |
| Pretax return on assets | 0.9892% | 3,745 |
| Return on Equity (ROE) | 11.2680% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.2680% | 697 |
| Net charge-offs to loans | 0.0040% | 5,453 |
| Credit loss provision to net charge-offs | 700.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 640.0000% | 52 |
| Efficiency ratio | 75.1746% | 2,867 |
| Assets per employee ($millions) | 2.6462% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7315% | 1,002 |
| Loan loss allowance to noncurrent loans | 36.6151% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 3.0394% | 1,811 |
| Noncurrent loans to loans | 7.4599% | 496 |
| Net loans and leases to total assets | 39.6301% | 6,371 |
| Net loans and leases to deposits | 45.5772% | 6,472 |
| Net loans and leases to core deposits | 46.5942% | 6,546 |
| Total domestic deposits to total assets | 86.9517% | 2,798 |
| Equity capital to assets | 8.8452% | 5,860 |
| Core capital (leverage) ratio | 9.1259% | 4,725 |
| Tier 1 risk-based capital ratio | 13.0238% | 5,170 |
| Total risk-based capital ratio | 14.1592% | 5,225 |
| Memoranda: | ||
| Average total assets | $127,983,670 | 4,253 |
| Average earning assets | $117,826,330 | 4,221 |
| Average equity | $11,235,330 | 4,767 |
| Average total loans | $50,179,670 | 5,189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 1,503 |
| Cost of funding earning assets | 0.8932% | 2,743 |
| Net interest margin | 4.2331% | 1,660 |
| Noninterest income to average assets | 0.7613% | 2,341 |
| Noninterest expense to average assets | 2.8535% | 3,814 |
| Loan and lease loss provision to assets | 0.0220% | 5,062 |
| Net operating income to assets | 1.7775% | 626 |
| Return on assets (ROA) | 1.7775% | 703 |
| Pretax return on assets | 1.7775% | 1,129 |
| Return on Equity (ROE) | 20.3265% | 369 |
| Retained earnings to average equity (ytd only) | 20.3265% | 184 |
| Net charge-offs to loans | 0.0164% | 4,456 |
| Credit loss provision to net charge-offs | 350.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 115 |
| Efficiency ratio | 61.3252% | 5,398 |
| Assets per employee ($millions) | 2.6219% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8497% | 958 |
| Loan loss allowance to noncurrent loans | 65.9506% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.7241% | 3,277 |
| Noncurrent loans to loans | 4.3210% | 1,381 |
| Net loans and leases to total assets | 38.2916% | 6,472 |
| Net loans and leases to deposits | 44.0503% | 6,556 |
| Net loans and leases to core deposits | 45.3597% | 6,605 |
| Total domestic deposits to total assets | 86.9271% | 2,993 |
| Equity capital to assets | 8.8696% | 5,673 |
| Core capital (leverage) ratio | 9.2211% | 4,480 |
| Tier 1 risk-based capital ratio | 12.9853% | 5,231 |
| Total risk-based capital ratio | 14.1150% | 5,291 |
| Memoranda: | ||
| Average total assets | $127,143,500 | 4,301 |
| Average earning assets | $116,889,500 | 4,276 |
| Average equity | $11,118,500 | 4,798 |
| Average total loans | $48,855,000 | 5,271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 2,866 |
| Cost of funding earning assets | 1.3922% | 1,074 |
| Net interest margin | 3.6105% | 4,691 |
| Noninterest income to average assets | 0.8055% | 2,030 |
| Noninterest expense to average assets | 2.9965% | 3,608 |
| Loan and lease loss provision to assets | 0.2421% | 3,785 |
| Net operating income to assets | 0.8973% | 2,617 |
| Return on assets (ROA) | 0.8609% | 2,917 |
| Pretax return on assets | 0.8609% | 3,739 |
| Return on Equity (ROE) | 9.9192% | 2,089 |
| Retained earnings to average equity (ytd only) | 2.1789% | 4,662 |
| Net charge-offs to loans | -1.1973% | 7,309 |
| Credit loss provision to net charge-offs | -52.2184% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4507% | 3,492 |
| Assets per employee ($millions) | 2.6211% | 6,697 |
| Cash dividends to net income (ytd only)* | 78.0331% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0527% | 777 |
| Loan loss allowance to noncurrent loans | 33.5356% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 3.4058% | 1,742 |
| Noncurrent loans to loans | 9.1029% | 385 |
| Net loans and leases to total assets | 36.2723% | 6,752 |
| Net loans and leases to deposits | 41.8157% | 6,801 |
| Net loans and leases to core deposits | 43.0963% | 6,849 |
| Total domestic deposits to total assets | 86.7432% | 2,900 |
| Equity capital to assets | 8.6174% | 5,994 |
| Core capital (leverage) ratio | 8.8982% | 4,943 |
| Tier 1 risk-based capital ratio | 12.7437% | 5,275 |
| Total risk-based capital ratio | 13.8583% | 5,357 |
| Memoranda: | ||
| Average total assets | $126,380,600 | 4,241 |
| Average earning assets | $116,577,000 | 4,222 |
| Average equity | $10,968,600 | 4,790 |
| Average total loans | $48,944,600 | 5,303 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 3,143 |
| Cost of funding earning assets | 1.4634% | 981 |
| Net interest margin | 3.5260% | 5,071 |
| Noninterest income to average assets | 0.7904% | 2,103 |
| Noninterest expense to average assets | 3.0329% | 3,424 |
| Loan and lease loss provision to assets | 0.3193% | 2,986 |
| Net operating income to assets | 0.6934% | 3,654 |
| Return on assets (ROA) | 0.6460% | 4,070 |
| Pretax return on assets | 0.6460% | 4,660 |
| Return on Equity (ROE) | 7.4299% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.4299% | 1,749 |
| Net charge-offs to loans | -1.5785% | 7,389 |
| Credit loss provision to net charge-offs | -51.7949% | 6,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9674% | 3,010 |
| Assets per employee ($millions) | 2.6761% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0000% | 862 |
| Loan loss allowance to noncurrent loans | 33.9332% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 3.3878% | 1,873 |
| Noncurrent loans to loans | 8.8408% | 455 |
| Net loans and leases to total assets | 36.8385% | 6,829 |
| Net loans and leases to deposits | 44.0596% | 6,830 |
| Net loans and leases to core deposits | 45.3353% | 6,874 |
| Total domestic deposits to total assets | 83.6105% | 4,425 |
| Equity capital to assets | 8.9818% | 5,774 |
| Core capital (leverage) ratio | 8.8945% | 5,113 |
| Tier 1 risk-based capital ratio | 12.7379% | 5,299 |
| Total risk-based capital ratio | 13.8939% | 5,357 |
| Memoranda: | ||
| Average total assets | $126,522,000 | 4,261 |
| Average earning assets | $116,804,500 | 4,229 |
| Average equity | $11,000,250 | 4,804 |
| Average total loans | $49,412,500 | 5,330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 2,596 |
| Cost of funding earning assets | 1.5198% | 940 |
| Net interest margin | 3.5986% | 4,722 |
| Noninterest income to average assets | 0.7888% | 2,077 |
| Noninterest expense to average assets | 3.1096% | 3,216 |
| Loan and lease loss provision to assets | 0.4733% | 2,096 |
| Net operating income to assets | 0.5269% | 4,389 |
| Return on assets (ROA) | 0.4559% | 4,826 |
| Pretax return on assets | 0.4559% | 5,205 |
| Return on Equity (ROE) | 5.3021% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.3021% | 2,811 |
| Net charge-offs to loans | -2.3779% | 7,462 |
| Credit loss provision to net charge-offs | -50.5051% | 6,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6622% | 3,078 |
| Assets per employee ($millions) | 2.6428% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9674% | 921 |
| Loan loss allowance to noncurrent loans | 31.7941% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 3.8354% | 1,689 |
| Noncurrent loans to loans | 9.3331% | 438 |
| Net loans and leases to total assets | 37.8828% | 6,866 |
| Net loans and leases to deposits | 44.6828% | 6,899 |
| Net loans and leases to core deposits | 46.2012% | 6,926 |
| Total domestic deposits to total assets | 84.7817% | 3,980 |
| Equity capital to assets | 8.8607% | 5,755 |
| Core capital (leverage) ratio | 8.5670% | 5,449 |
| Tier 1 risk-based capital ratio | 12.2140% | 5,597 |
| Total risk-based capital ratio | 13.3252% | 5,691 |
| Memoranda: | ||
| Average total assets | $126,770,670 | 4,291 |
| Average earning assets | $116,990,670 | 4,253 |
| Average equity | $10,901,330 | 4,825 |
| Average total loans | $49,961,000 | 5,356 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 3,014 |
| Cost of funding earning assets | 1.5442% | 1,005 |
| Net interest margin | 3.4754% | 5,119 |
| Noninterest income to average assets | 0.7684% | 2,166 |
| Noninterest expense to average assets | 3.4112% | 2,252 |
| Loan and lease loss provision to assets | 0.9371% | 841 |
| Net operating income to assets | -0.3811% | 6,730 |
| Return on assets (ROA) | -0.5217% | 6,820 |
| Pretax return on assets | -0.5217% | 6,762 |
| Return on Equity (ROE) | -6.1572% | 6,874 |
| Retained earnings to average equity (ytd only) | -6.1572% | 6,604 |
| Net charge-offs to loans | 0.0395% | 4,561 |
| Credit loss provision to net charge-offs | 6,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 737 |
| Efficiency ratio | 85.9843% | 1,716 |
| Assets per employee ($millions) | 2.6547% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 3,368 |
| Loan loss allowance to noncurrent loans | 16.5746% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 4.2300% | 1,557 |
| Noncurrent loans to loans | 10.2029% | 390 |
| Net loans and leases to total assets | 38.3225% | 6,885 |
| Net loans and leases to deposits | 45.4361% | 6,889 |
| Net loans and leases to core deposits | 45.8611% | 6,979 |
| Total domestic deposits to total assets | 84.3436% | 4,349 |
| Equity capital to assets | 8.4278% | 6,018 |
| Core capital (leverage) ratio | 8.2344% | 5,929 |
| Tier 1 risk-based capital ratio | 11.9892% | 5,702 |
| Total risk-based capital ratio | 12.9440% | 5,938 |
| Memoranda: | ||
| Average total assets | $128,050,000 | 4,307 |
| Average earning assets | $117,858,000 | 4,257 |
| Average equity | $10,849,000 | 4,832 |
| Average total loans | $50,694,500 | 5,372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 3,548 |
| Cost of funding earning assets | 1.7439% | 1,399 |
| Net interest margin | 3.4669% | 5,378 |
| Noninterest income to average assets | 0.7580% | 2,493 |
| Noninterest expense to average assets | 3.0959% | 3,474 |
| Loan and lease loss provision to assets | 0.5453% | 2,958 |
| Net operating income to assets | 0.2880% | 4,970 |
| Return on assets (ROA) | 0.0737% | 5,788 |
| Pretax return on assets | 0.0737% | 5,750 |
| Return on Equity (ROE) | 0.8528% | 5,736 |
| Retained earnings to average equity (ytd only) | -1.8833% | 5,954 |
| Net charge-offs to loans | 1.5323% | 1,432 |
| Credit loss provision to net charge-offs | 87.6543% | 5,223 |
| Earnings coverage of net charge-offs (x) | 1.3395% | 4,763 |
| Efficiency ratio | 78.7920% | 2,564 |
| Assets per employee ($millions) | 2.6260% | 6,811 |
| Cash dividends to net income (ytd only)* | 320.8333% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 6,133 |
| Loan loss allowance to noncurrent loans | 11.1361% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 4.0202% | 1,691 |
| Noncurrent loans to loans | 9.4630% | 466 |
| Net loans and leases to total assets | 39.7681% | 6,978 |
| Net loans and leases to deposits | 56.0494% | 6,445 |
| Net loans and leases to core deposits | 56.3320% | 6,677 |
| Total domestic deposits to total assets | 70.9518% | 7,177 |
| Equity capital to assets | 8.5167% | 5,832 |
| Core capital (leverage) ratio | 8.4945% | 5,380 |
| Tier 1 risk-based capital ratio | 11.9763% | 5,497 |
| Total risk-based capital ratio | 12.5662% | 6,065 |
| Memoranda: | ||
| Average total assets | $130,202,800 | 4,262 |
| Average earning assets | $119,099,400 | 4,251 |
| Average equity | $11,257,000 | 4,805 |
| Average total loans | $52,862,600 | 5,363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3919% | 2,922 |
| Cost of funding earning assets | 1.8007% | 1,419 |
| Net interest margin | 3.5912% | 4,915 |
| Noninterest income to average assets | 0.7280% | 2,653 |
| Noninterest expense to average assets | 3.0774% | 3,436 |
| Loan and lease loss provision to assets | 0.1480% | 5,558 |
| Net operating income to assets | 0.7770% | 3,102 |
| Return on assets (ROA) | 0.5034% | 4,491 |
| Pretax return on assets | 0.5034% | 4,909 |
| Return on Equity (ROE) | 5.8008% | 3,904 |
| Retained earnings to average equity (ytd only) | 2.1768% | 4,870 |
| Net charge-offs to loans | 0.0878% | 5,649 |
| Credit loss provision to net charge-offs | 414.2857% | 726 |
| Earnings coverage of net charge-offs (x) | 25.8832% | 982 |
| Efficiency ratio | 76.8878% | 2,779 |
| Assets per employee ($millions) | 2.7109% | 6,762 |
| Cash dividends to net income (ytd only)* | 62.4749% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 4,356 |
| Loan loss allowance to noncurrent loans | 15.5638% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 3.8620% | 1,829 |
| Noncurrent loans to loans | 9.1241% | 517 |
| Net loans and leases to total assets | 39.4571% | 7,107 |
| Net loans and leases to deposits | 61.9161% | 6,125 |
| Net loans and leases to core deposits | 62.4488% | 6,417 |
| Total domestic deposits to total assets | 63.7266% | 7,525 |
| Equity capital to assets | 8.7734% | 5,896 |
| Core capital (leverage) ratio | 8.7030% | 5,181 |
| Tier 1 risk-based capital ratio | 12.1446% | 5,320 |
| Total risk-based capital ratio | 12.9447% | 5,710 |
| Memoranda: | ||
| Average total assets | $130,584,500 | 4,313 |
| Average earning assets | $119,065,250 | 4,307 |
| Average equity | $11,331,500 | 4,851 |
| Average total loans | $53,149,000 | 5,430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4226% | 2,875 |
| Cost of funding earning assets | 1.8526% | 1,420 |
| Net interest margin | 3.5700% | 4,947 |
| Noninterest income to average assets | 0.7887% | 2,178 |
| Noninterest expense to average assets | 3.1394% | 3,148 |
| Loan and lease loss provision to assets | 0.1540% | 5,361 |
| Net operating income to assets | 0.7486% | 3,203 |
| Return on assets (ROA) | 0.3358% | 5,200 |
| Pretax return on assets | 0.3358% | 5,405 |
| Return on Equity (ROE) | 3.8845% | 4,827 |
| Retained earnings to average equity (ytd only) | -1.6037% | 6,088 |
| Net charge-offs to loans | 0.0527% | 5,644 |
| Credit loss provision to net charge-offs | 714.2857% | 526 |
| Earnings coverage of net charge-offs (x) | 41.8571% | 700 |
| Efficiency ratio | 77.6677% | 2,780 |
| Assets per employee ($millions) | 2.6642% | 6,838 |
| Cash dividends to net income (ytd only)* | 141.2844% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,559 |
| Loan loss allowance to noncurrent loans | 38.4332% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 3,939 |
| Noncurrent loans to loans | 3.5752% | 2,205 |
| Net loans and leases to total assets | 40.1913% | 7,152 |
| Net loans and leases to deposits | 65.3656% | 5,887 |
| Net loans and leases to core deposits | 66.7910% | 6,178 |
| Total domestic deposits to total assets | 61.4870% | 7,637 |
| Equity capital to assets | 8.6895% | 5,898 |
| Core capital (leverage) ratio | 8.4353% | 5,522 |
| Tier 1 risk-based capital ratio | 11.9286% | 5,375 |
| Total risk-based capital ratio | 12.7185% | 5,776 |
| Memoranda: | ||
| Average total assets | $129,835,000 | 4,359 |
| Average earning assets | $118,320,330 | 4,358 |
| Average equity | $11,224,000 | 4,877 |
| Average total loans | $53,143,000 | 5,463 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5326% | 2,443 |
| Cost of funding earning assets | 1.9328% | 1,315 |
| Net interest margin | 3.5998% | 4,730 |
| Noninterest income to average assets | 0.8001% | 2,020 |
| Noninterest expense to average assets | 3.1449% | 3,078 |
| Loan and lease loss provision to assets | 0.1545% | 4,990 |
| Net operating income to assets | 0.7631% | 3,142 |
| Return on assets (ROA) | -0.0649% | 6,473 |
| Pretax return on assets | -0.0649% | 6,422 |
| Return on Equity (ROE) | -0.7524% | 6,496 |
| Retained earnings to average equity (ytd only) | -11.7879% | 7,054 |
| Net charge-offs to loans | 0.0904% | 4,510 |
| Credit loss provision to net charge-offs | 416.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,003 |
| Efficiency ratio | 77.4144% | 2,994 |
| Assets per employee ($millions) | 2.5743% | 7,086 |
| Cash dividends to net income (ytd only)* | -1,466.6667% | 7,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 5,070 |
| Loan loss allowance to noncurrent loans | 59.9123% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 4,969 |
| Noncurrent loans to loans | 2.1268% | 3,616 |
| Net loans and leases to total assets | 41.9515% | 7,131 |
| Net loans and leases to deposits | 69.9345% | 5,351 |
| Net loans and leases to core deposits | 71.0643% | 5,822 |
| Total domestic deposits to total assets | 59.9868% | 7,758 |
| Equity capital to assets | 8.6665% | 5,780 |
| Core capital (leverage) ratio | 8.3446% | 5,655 |
| Tier 1 risk-based capital ratio | 12.2496% | 4,942 |
| Total risk-based capital ratio | 13.0139% | 5,375 |
| Memoranda: | ||
| Average total assets | $129,478,500 | 4,423 |
| Average earning assets | $117,341,000 | 4,441 |
| Average equity | $11,164,000 | 4,933 |
| Average total loans | $53,114,500 | 5,529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 3,836 |
| Cost of funding earning assets | 2.2260% | 1,916 |
| Net interest margin | 3.3298% | 5,622 |
| Noninterest income to average assets | 0.8130% | 2,343 |
| Noninterest expense to average assets | 2.7770% | 5,064 |
| Loan and lease loss provision to assets | 0.1676% | 6,013 |
| Net operating income to assets | 0.9196% | 2,106 |
| Return on assets (ROA) | 1.0662% | 1,649 |
| Pretax return on assets | 1.0662% | 2,355 |
| Return on Equity (ROE) | 13.2395% | 907 |
| Retained earnings to average equity (ytd only) | -1.9162% | 5,498 |
| Net charge-offs to loans | 0.1330% | 5,870 |
| Credit loss provision to net charge-offs | 310.3896% | 1,059 |
| Earnings coverage of net charge-offs (x) | 20.1299% | 1,054 |
| Efficiency ratio | 71.8642% | 4,282 |
| Assets per employee ($millions) | 2.5542% | 7,113 |
| Cash dividends to net income (ytd only)* | 114.4737% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 5,207 |
| Loan loss allowance to noncurrent loans | 182.2034% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 6,122 |
| Noncurrent loans to loans | 0.6726% | 5,891 |
| Net loans and leases to total assets | 39.1391% | 7,394 |
| Net loans and leases to deposits | 67.8346% | 5,853 |
| Net loans and leases to core deposits | 77.1799% | 6,325 |
| Total domestic deposits to total assets | 57.6979% | 7,836 |
| Equity capital to assets | 8.5803% | 5,755 |
| Core capital (leverage) ratio | 8.2729% | 5,667 |
| Tier 1 risk-based capital ratio | 12.6045% | 4,438 |
| Total risk-based capital ratio | 13.3255% | 4,845 |
| Memoranda: | ||
| Average total assets | $142,562,200 | 4,064 |
| Average earning assets | $130,637,800 | 4,077 |
| Average equity | $11,480,800 | 4,887 |
| Average total loans | $57,905,800 | 5,340 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 3,874 |
| Cost of funding earning assets | 2.2998% | 1,987 |
| Net interest margin | 3.2980% | 5,649 |
| Noninterest income to average assets | 0.8193% | 2,341 |
| Noninterest expense to average assets | 2.7705% | 5,017 |
| Loan and lease loss provision to assets | 0.1646% | 5,708 |
| Net operating income to assets | 0.9223% | 2,336 |
| Return on assets (ROA) | 1.1145% | 1,754 |
| Pretax return on assets | 1.1145% | 2,519 |
| Return on Equity (ROE) | 14.0494% | 920 |
| Retained earnings to average equity (ytd only) | -2.3299% | 5,785 |
| Net charge-offs to loans | 0.1576% | 5,132 |
| Credit loss provision to net charge-offs | 255.7143% | 1,674 |
| Earnings coverage of net charge-offs (x) | 16.8859% | 1,439 |
| Efficiency ratio | 71.8236% | 4,276 |
| Assets per employee ($millions) | 2.5321% | 7,178 |
| Cash dividends to net income (ytd only)* | 116.5840% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 6,113 |
| Loan loss allowance to noncurrent loans | 294.5274% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 6,862 |
| Noncurrent loans to loans | 0.3495% | 6,657 |
| Net loans and leases to total assets | 43.2284% | 7,300 |
| Net loans and leases to deposits | 70.4666% | 5,852 |
| Net loans and leases to core deposits | 78.4232% | 6,453 |
| Total domestic deposits to total assets | 61.3460% | 7,843 |
| Equity capital to assets | 8.7014% | 5,949 |
| Core capital (leverage) ratio | 8.0810% | 6,216 |
| Tier 1 risk-based capital ratio | 12.0308% | 4,945 |
| Total risk-based capital ratio | 12.6614% | 5,464 |
| Memoranda: | ||
| Average total assets | $144,998,750 | 4,058 |
| Average earning assets | $133,573,000 | 4,045 |
| Average equity | $11,502,000 | 4,924 |
| Average total loans | $59,225,250 | 5,323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6776% | 3,679 |
| Cost of funding earning assets | 2.3460% | 2,180 |
| Net interest margin | 3.3315% | 5,429 |
| Noninterest income to average assets | 0.7495% | 2,709 |
| Noninterest expense to average assets | 2.7529% | 5,166 |
| Loan and lease loss provision to assets | 0.1593% | 5,473 |
| Net operating income to assets | 0.9047% | 2,440 |
| Return on assets (ROA) | 1.1844% | 1,607 |
| Pretax return on assets | 1.1844% | 2,347 |
| Return on Equity (ROE) | 15.3686% | 773 |
| Retained earnings to average equity (ytd only) | -3.7683% | 6,092 |
| Net charge-offs to loans | 0.1472% | 4,715 |
| Credit loss provision to net charge-offs | 270.4545% | 1,726 |
| Earnings coverage of net charge-offs (x) | 18.0682% | 1,432 |
| Efficiency ratio | 72.1248% | 4,387 |
| Assets per employee ($millions) | 2.6324% | 6,995 |
| Cash dividends to net income (ytd only)* | 124.5198% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 6,602 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 6,865 |
| Noncurrent loans to loans | 0.3635% | 6,604 |
| Net loans and leases to total assets | 43.0047% | 7,396 |
| Net loans and leases to deposits | 79.9454% | 4,556 |
| Net loans and leases to core deposits | 86.8988% | 5,816 |
| Total domestic deposits to total assets | 53.7926% | 8,032 |
| Equity capital to assets | 8.2602% | 6,403 |
| Core capital (leverage) ratio | 7.6268% | 6,865 |
| Tier 1 risk-based capital ratio | 11.2355% | 5,656 |
| Total risk-based capital ratio | 11.7913% | 6,294 |
| Memoranda: | ||
| Average total assets | $149,442,330 | 4,001 |
| Average earning assets | $137,594,000 | 3,999 |
| Average equity | $11,517,000 | 4,947 |
| Average total loans | $59,797,000 | 5,344 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 3,939 |
| Cost of funding earning assets | 2.3968% | 2,307 |
| Net interest margin | 3.2744% | 5,598 |
| Noninterest income to average assets | 0.6191% | 3,418 |
| Noninterest expense to average assets | 2.5584% | 5,613 |
| Loan and lease loss provision to assets | 0.1516% | 4,990 |
| Net operating income to assets | 0.9376% | 2,555 |
| Return on assets (ROA) | 1.4744% | 1,062 |
| Pretax return on assets | 1.4744% | 1,741 |
| Return on Equity (ROE) | 19.7556% | 442 |
| Retained earnings to average equity (ytd only) | 1.5832% | 4,969 |
| Net charge-offs to loans | 0.1334% | 3,892 |
| Credit loss provision to net charge-offs | 295.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 21.2000% | 1,344 |
| Efficiency ratio | 70.1408% | 4,545 |
| Assets per employee ($millions) | 3.1670% | 5,685 |
| Cash dividends to net income (ytd only)* | 91.9861% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 6,901 |
| Loan loss allowance to noncurrent loans | 92.5532% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 6,398 |
| Noncurrent loans to loans | 0.9324% | 5,133 |
| Net loans and leases to total assets | 39.4495% | 7,594 |
| Net loans and leases to deposits | 67.3851% | 6,234 |
| Net loans and leases to core deposits | 72.3533% | 6,897 |
| Total domestic deposits to total assets | 58.5435% | 7,999 |
| Equity capital to assets | 7.6255% | 7,244 |
| Core capital (leverage) ratio | 7.4613% | 7,201 |
| Tier 1 risk-based capital ratio | 12.8014% | 4,325 |
| Total risk-based capital ratio | 13.3803% | 4,742 |
| Memoranda: | ||
| Average total assets | $155,721,000 | 3,914 |
| Average earning assets | $144,026,000 | 3,875 |
| Average equity | $11,622,000 | 4,945 |
| Average total loans | $59,983,000 | 5,358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1526% | 4,763 |
| Cost of funding earning assets | 2.9843% | 1,921 |
| Net interest margin | 3.1683% | 6,469 |
| Noninterest income to average assets | 0.6840% | 3,220 |
| Noninterest expense to average assets | 1.9673% | 7,503 |
| Loan and lease loss provision to assets | 0.1001% | 6,099 |
| Net operating income to assets | 1.5451% | 936 |
| Return on assets (ROA) | 1.5451% | 902 |
| Pretax return on assets | 1.5451% | 1,552 |
| Return on Equity (ROE) | 20.8702% | 314 |
| Retained earnings to average equity (ytd only) | -0.4073% | 5,406 |
| Net charge-offs to loans | 0.0601% | 5,917 |
| Credit loss provision to net charge-offs | 472.7273% | 929 |
| Earnings coverage of net charge-offs (x) | 77.6970% | 529 |
| Efficiency ratio | 54.4583% | 7,220 |
| Assets per employee ($millions) | 3.7958% | 3,967 |
| Cash dividends to net income (ytd only)* | 101.9518% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 7,053 |
| Loan loss allowance to noncurrent loans | 85.6383% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 6,180 |
| Noncurrent loans to loans | 0.9483% | 4,709 |
| Net loans and leases to total assets | 37.0024% | 7,796 |
| Net loans and leases to deposits | 81.8036% | 4,757 |
| Net loans and leases to core deposits | 91.1114% | 5,710 |
| Total domestic deposits to total assets | 45.2332% | 8,161 |
| Equity capital to assets | 7.3088% | 7,550 |
| Core capital (leverage) ratio | 7.3006% | 7,418 |
| Tier 1 risk-based capital ratio | 12.4760% | 4,457 |
| Total risk-based capital ratio | 13.0001% | 4,931 |
| Memoranda: | ||
| Average total assets | $155,851,000 | 3,787 |
| Average earning assets | $144,052,200 | 3,756 |
| Average equity | $11,538,000 | 4,958 |
| Average total loans | $54,864,600 | 5,494 |