Home > Altamaha Bank & Trust Company > Performance and Condition Ratios
Altamaha Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 1,473 |
| Cost of funding earning assets | 1.1724% | 2,880 |
| Net interest margin | 4.1416% | 1,019 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.9732% | 1,158 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4841% | 1,044 |
| Return on assets (ROA) | 1.4841% | 1,020 |
| Pretax return on assets | 1.4841% | 1,462 |
| Return on Equity (ROE) | 21.1200% | 530 |
| Retained earnings to average equity (ytd only) | 10.5583% | 890 |
| Net charge-offs to loans | 0.0653% | 1,197 |
| Credit loss provision to net charge-offs | 261.7188% | 1,040 |
| Earnings coverage of net charge-offs (x) | 34.8906% | 1,531 |
| Efficiency ratio | 64.9506% | 2,489 |
| Assets per employee ($millions) | 6.0765% | 2,757 |
| Cash dividends to net income (ytd only)* | 50.0121% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,172 |
| Loan loss allowance to noncurrent loans | 209.0391% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 1,164 |
| Noncurrent loans to loans | 0.6985% | 1,123 |
| Net loans and leases to total assets | 67.9600% | 2,041 |
| Net loans and leases to deposits | 73.6423% | 2,641 |
| Net loans and leases to core deposits | 79.4734% | 2,737 |
| Total domestic deposits to total assets | 92.2800% | 268 |
| Equity capital to assets | 7.5317% | 3,703 |
| Core capital (leverage) ratio | 10.0314% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2146% | 1,796 |
| Memoranda: | ||
| Average total assets | $278,356,800 | 2,535 |
| Average earning assets | $259,731,800 | 2,523 |
| Average equity | $19,558,000 | 2,898 |
| Average total loans | $195,882,400 | 2,311 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 1,434 |
| Cost of funding earning assets | 1.0508% | 2,887 |
| Net interest margin | 4.1611% | 978 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 3.0105% | 1,058 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.4791% | 1,167 |
| Return on assets (ROA) | 1.4791% | 1,148 |
| Pretax return on assets | 1.4791% | 1,607 |
| Return on Equity (ROE) | 21.4600% | 599 |
| Retained earnings to average equity (ytd only) | 6.9283% | 2,314 |
| Net charge-offs to loans | 0.0363% | 1,371 |
| Credit loss provision to net charge-offs | 424.5283% | 700 |
| Earnings coverage of net charge-offs (x) | 61.8113% | 1,188 |
| Efficiency ratio | 65.4649% | 2,339 |
| Assets per employee ($millions) | 5.6232% | 3,082 |
| Cash dividends to net income (ytd only)* | 67.7155% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,097 |
| Loan loss allowance to noncurrent loans | 306.8710% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 1,682 |
| Noncurrent loans to loans | 0.4908% | 1,593 |
| Net loans and leases to total assets | 67.5200% | 2,108 |
| Net loans and leases to deposits | 72.4254% | 2,686 |
| Net loans and leases to core deposits | 78.7493% | 2,693 |
| Total domestic deposits to total assets | 93.2300% | 270 |
| Equity capital to assets | 6.4593% | 3,846 |
| Core capital (leverage) ratio | 9.7229% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1714% | 1,831 |
| Memoranda: | ||
| Average total assets | $275,027,500 | 2,558 |
| Average earning assets | $256,173,250 | 2,542 |
| Average equity | $18,955,500 | 2,940 |
| Average total loans | $194,564,500 | 2,324 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0721% | 1,415 |
| Cost of funding earning assets | 0.9192% | 2,865 |
| Net interest margin | 4.1529% | 998 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.9892% | 1,060 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5525% | 1,017 |
| Return on assets (ROA) | 1.5525% | 1,010 |
| Pretax return on assets | 1.5525% | 1,495 |
| Return on Equity (ROE) | 22.0500% | 537 |
| Retained earnings to average equity (ytd only) | 7.5545% | 2,111 |
| Net charge-offs to loans | 0.0297% | 1,297 |
| Credit loss provision to net charge-offs | 362.0690% | 773 |
| Earnings coverage of net charge-offs (x) | 76.6897% | 1,074 |
| Efficiency ratio | 64.7208% | 2,405 |
| Assets per employee ($millions) | 5.5081% | 3,139 |
| Cash dividends to net income (ytd only)* | 65.7386% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 1,451 |
| Loan loss allowance to noncurrent loans | 699.7506% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 2,553 |
| Noncurrent loans to loans | 0.2031% | 2,453 |
| Net loans and leases to total assets | 69.2800% | 1,821 |
| Net loans and leases to deposits | 74.7107% | 2,428 |
| Net loans and leases to core deposits | 81.4577% | 2,373 |
| Total domestic deposits to total assets | 92.7300% | 293 |
| Equity capital to assets | 7.0306% | 3,780 |
| Core capital (leverage) ratio | 9.8064% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0602% | 1,870 |
| Memoranda: | ||
| Average total assets | $272,983,667 | 2,569 |
| Average earning assets | $255,001,667 | 2,555 |
| Average equity | $19,220,333 | 2,927 |
| Average total loans | $195,169,000 | 2,318 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 1,391 |
| Cost of funding earning assets | 0.7171% | 2,999 |
| Net interest margin | 4.1930% | 954 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.0062% | 1,052 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5864% | 1,006 |
| Return on assets (ROA) | 1.5864% | 1,002 |
| Pretax return on assets | 1.5864% | 1,496 |
| Return on Equity (ROE) | 22.5200% | 546 |
| Retained earnings to average equity (ytd only) | 6.2251% | 2,705 |
| Net charge-offs to loans | 0.0433% | 924 |
| Credit loss provision to net charge-offs | 214.2857% | 799 |
| Earnings coverage of net charge-offs (x) | 52.9524% | 1,087 |
| Efficiency ratio | 64.5182% | 2,387 |
| Assets per employee ($millions) | 5.4441% | 3,276 |
| Cash dividends to net income (ytd only)* | 72.3524% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,752 |
| Loan loss allowance to noncurrent loans | 676.6917% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,486 |
| Noncurrent loans to loans | 0.2020% | 2,461 |
| Net loans and leases to total assets | 71.5900% | 1,463 |
| Net loans and leases to deposits | 78.1593% | 1,957 |
| Net loans and leases to core deposits | 85.8349% | 1,876 |
| Total domestic deposits to total assets | 91.5900% | 627 |
| Equity capital to assets | 7.1593% | 3,754 |
| Core capital (leverage) ratio | 9.8871% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2346% | 1,895 |
| Memoranda: | ||
| Average total assets | $269,045,000 | 2,622 |
| Average earning assets | $251,564,000 | 2,609 |
| Average equity | $18,955,500 | 2,984 |
| Average total loans | $194,042,000 | 2,347 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 631 |
| Cost of funding earning assets | 0.2361% | 3,448 |
| Net interest margin | 4.3422% | 386 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.9843% | 989 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.6029% | 693 |
| Return on assets (ROA) | 1.5664% | 712 |
| Pretax return on assets | 1.5664% | 1,249 |
| Return on Equity (ROE) | 21.6900% | 358 |
| Retained earnings to average equity (ytd only) | 15.0712% | 287 |
| Net charge-offs to loans | 0.0382% | 1,334 |
| Credit loss provision to net charge-offs | 636.7647% | 575 |
| Earnings coverage of net charge-offs (x) | 68.4265% | 1,174 |
| Efficiency ratio | 62.8058% | 2,655 |
| Assets per employee ($millions) | 5.3177% | 3,400 |
| Cash dividends to net income (ytd only)* | 30.5044% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 1,315 |
| Loan loss allowance to noncurrent loans | 911.1475% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 2,719 |
| Noncurrent loans to loans | 0.1601% | 2,694 |
| Net loans and leases to total assets | 70.6100% | 1,571 |
| Net loans and leases to deposits | 75.9496% | 2,102 |
| Net loans and leases to core deposits | 80.4472% | 2,103 |
| Total domestic deposits to total assets | 92.9700% | 413 |
| Equity capital to assets | 6.9289% | 3,705 |
| Core capital (leverage) ratio | 9.9461% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3350% | 1,836 |
| Memoranda: | ||
| Average total assets | $263,279,400 | 2,644 |
| Average earning assets | $244,345,600 | 2,648 |
| Average equity | $19,016,400 | 3,036 |
| Average total loans | $178,114,400 | 2,393 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 506 |
| Cost of funding earning assets | 0.1885% | 3,413 |
| Net interest margin | 4.2996% | 336 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.8471% | 1,151 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.7251% | 501 |
| Return on assets (ROA) | 1.7251% | 491 |
| Pretax return on assets | 1.7251% | 859 |
| Return on Equity (ROE) | 23.6400% | 229 |
| Retained earnings to average equity (ytd only) | 14.8881% | 375 |
| Net charge-offs to loans | 0.0213% | 1,407 |
| Credit loss provision to net charge-offs | 857.1429% | 452 |
| Earnings coverage of net charge-offs (x) | 129.9286% | 808 |
| Efficiency ratio | 60.6533% | 3,032 |
| Assets per employee ($millions) | 5.2500% | 3,459 |
| Cash dividends to net income (ytd only)* | 37.0218% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,561 |
| Loan loss allowance to noncurrent loans | 392.3881% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 1,918 |
| Noncurrent loans to loans | 0.3603% | 1,943 |
| Net loans and leases to total assets | 71.2500% | 1,371 |
| Net loans and leases to deposits | 76.0877% | 1,870 |
| Net loans and leases to core deposits | 80.9906% | 1,831 |
| Total domestic deposits to total assets | 93.6500% | 422 |
| Equity capital to assets | 6.2173% | 3,876 |
| Core capital (leverage) ratio | 9.7653% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4324% | 1,893 |
| Memoranda: | ||
| Average total assets | $262,627,750 | 2,667 |
| Average earning assets | $243,273,500 | 2,672 |
| Average equity | $19,164,750 | 3,067 |
| Average total loans | $175,011,750 | 2,422 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 456 |
| Cost of funding earning assets | 0.1813% | 3,162 |
| Net interest margin | 4.1937% | 341 |
| Noninterest income to average assets | 0.6974% | 1,347 |
| Noninterest expense to average assets | 2.7736% | 1,220 |
| Loan and lease loss provision to assets | 0.1059% | 942 |
| Net operating income to assets | 1.6837% | 442 |
| Return on assets (ROA) | 1.6837% | 438 |
| Pretax return on assets | 1.6837% | 782 |
| Return on Equity (ROE) | 22.0160% | 194 |
| Retained earnings to average equity (ytd only) | 13.3916% | 423 |
| Net charge-offs to loans | 0.0222% | 1,284 |
| Credit loss provision to net charge-offs | 736.8421% | 501 |
| Earnings coverage of net charge-offs (x) | 124.5263% | 720 |
| Efficiency ratio | 60.7824% | 3,206 |
| Assets per employee ($millions) | 5.4724% | 3,257 |
| Cash dividends to net income (ytd only)* | 39.1734% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,683 |
| Loan loss allowance to noncurrent loans | 515.0101% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 2,441 |
| Noncurrent loans to loans | 0.2751% | 2,375 |
| Net loans and leases to total assets | 65.8748% | 1,709 |
| Net loans and leases to deposits | 70.7440% | 2,133 |
| Net loans and leases to core deposits | 74.5690% | 2,122 |
| Total domestic deposits to total assets | 93.1172% | 488 |
| Equity capital to assets | 6.4513% | 4,035 |
| Core capital (leverage) ratio | 9.3244% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4997% | 1,863 |
| Memoranda: | ||
| Average total assets | $264,419,667 | 2,682 |
| Average earning assets | $243,746,000 | 2,702 |
| Average equity | $20,221,667 | 3,048 |
| Average total loans | $171,372,000 | 2,448 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 421 |
| Cost of funding earning assets | 0.1875% | 2,979 |
| Net interest margin | 4.1437% | 311 |
| Noninterest income to average assets | 0.6901% | 1,344 |
| Noninterest expense to average assets | 2.6981% | 1,368 |
| Loan and lease loss provision to assets | 0.0686% | 1,197 |
| Net operating income to assets | 1.7612% | 357 |
| Return on assets (ROA) | 1.7612% | 361 |
| Pretax return on assets | 1.7612% | 603 |
| Return on Equity (ROE) | 21.3255% | 184 |
| Retained earnings to average equity (ytd only) | 15.9941% | 232 |
| Net charge-offs to loans | 0.0502% | 788 |
| Credit loss provision to net charge-offs | 214.2857% | 753 |
| Earnings coverage of net charge-offs (x) | 57.1905% | 869 |
| Efficiency ratio | 59.5895% | 3,526 |
| Assets per employee ($millions) | 5.1779% | 3,598 |
| Cash dividends to net income (ytd only)* | 25.0000% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,847 |
| Loan loss allowance to noncurrent loans | 417.2945% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 2,319 |
| Noncurrent loans to loans | 0.3394% | 2,264 |
| Net loans and leases to total assets | 64.2344% | 1,594 |
| Net loans and leases to deposits | 69.5601% | 2,001 |
| Net loans and leases to core deposits | 72.7311% | 2,049 |
| Total domestic deposits to total assets | 92.3438% | 452 |
| Equity capital to assets | 7.3310% | 4,032 |
| Core capital (leverage) ratio | 9.0431% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4676% | 2,003 |
| Memoranda: | ||
| Average total assets | $262,555,500 | 2,707 |
| Average earning assets | $243,163,500 | 2,716 |
| Average equity | $21,683,000 | 3,011 |
| Average total loans | $167,467,500 | 2,483 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 863 |
| Cost of funding earning assets | 0.2256% | 3,188 |
| Net interest margin | 4.0620% | 633 |
| Noninterest income to average assets | 0.6391% | 1,992 |
| Noninterest expense to average assets | 2.9052% | 1,138 |
| Loan and lease loss provision to assets | 0.1951% | 562 |
| Net operating income to assets | 1.2205% | 1,853 |
| Return on assets (ROA) | 1.2871% | 1,692 |
| Pretax return on assets | 1.2871% | 2,400 |
| Return on Equity (ROE) | 13.5717% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.6358% | 2,062 |
| Net charge-offs to loans | 0.0478% | 1,347 |
| Credit loss provision to net charge-offs | 695.6522% | 667 |
| Earnings coverage of net charge-offs (x) | 50.4638% | 1,292 |
| Efficiency ratio | 67.2375% | 2,092 |
| Assets per employee ($millions) | 5.3273% | 3,447 |
| Cash dividends to net income (ytd only)* | 51.1055% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,625 |
| Loan loss allowance to noncurrent loans | 381.3586% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,345 |
| Noncurrent loans to loans | 0.3886% | 2,192 |
| Net loans and leases to total assets | 61.4694% | 2,006 |
| Net loans and leases to deposits | 67.9252% | 2,318 |
| Net loans and leases to core deposits | 71.2025% | 2,331 |
| Total domestic deposits to total assets | 90.4957% | 719 |
| Equity capital to assets | 9.1967% | 3,425 |
| Core capital (leverage) ratio | 9.1091% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4119% | 2,077 |
| Memoranda: | ||
| Average total assets | $245,971,800 | 2,757 |
| Average earning assets | $222,944,200 | 2,788 |
| Average equity | $23,328,000 | 2,956 |
| Average total loans | $144,211,200 | 2,686 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 959 |
| Cost of funding earning assets | 0.2353% | 3,260 |
| Net interest margin | 4.0604% | 700 |
| Noninterest income to average assets | 0.6215% | 2,127 |
| Noninterest expense to average assets | 2.8669% | 1,196 |
| Loan and lease loss provision to assets | 0.1515% | 740 |
| Net operating income to assets | 1.2612% | 1,951 |
| Return on assets (ROA) | 1.3547% | 1,730 |
| Pretax return on assets | 1.3547% | 2,481 |
| Return on Equity (ROE) | 14.1688% | 1,345 |
| Retained earnings to average equity (ytd only) | 4.8477% | 3,274 |
| Net charge-offs to loans | 0.0669% | 976 |
| Credit loss provision to net charge-offs | 392.8571% | 866 |
| Earnings coverage of net charge-offs (x) | 36.6571% | 1,421 |
| Efficiency ratio | 66.9925% | 1,974 |
| Assets per employee ($millions) | 5.0286% | 3,672 |
| Cash dividends to net income (ytd only)* | 65.7863% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,528 |
| Loan loss allowance to noncurrent loans | 141.8112% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 1,225 |
| Noncurrent loans to loans | 1.0780% | 1,050 |
| Net loans and leases to total assets | 56.5675% | 2,664 |
| Net loans and leases to deposits | 62.6658% | 2,980 |
| Net loans and leases to core deposits | 65.6513% | 2,983 |
| Total domestic deposits to total assets | 90.2684% | 649 |
| Equity capital to assets | 9.3311% | 3,527 |
| Core capital (leverage) ratio | 8.9228% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7342% | 1,709 |
| Memoranda: | ||
| Average total assets | $242,205,000 | 2,800 |
| Average earning assets | $218,198,000 | 2,849 |
| Average equity | $23,158,250 | 3,005 |
| Average total loans | $139,545,750 | 2,770 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 782 |
| Cost of funding earning assets | 0.2453% | 3,322 |
| Net interest margin | 4.2073% | 577 |
| Noninterest income to average assets | 0.6264% | 2,098 |
| Noninterest expense to average assets | 2.8746% | 1,195 |
| Loan and lease loss provision to assets | 0.1924% | 583 |
| Net operating income to assets | 1.3173% | 1,812 |
| Return on assets (ROA) | 1.4595% | 1,462 |
| Pretax return on assets | 1.4595% | 2,141 |
| Return on Equity (ROE) | 15.1362% | 1,122 |
| Retained earnings to average equity (ytd only) | 3.4609% | 3,699 |
| Net charge-offs to loans | 0.0754% | 899 |
| Credit loss provision to net charge-offs | 442.3077% | 725 |
| Earnings coverage of net charge-offs (x) | 34.7115% | 1,239 |
| Efficiency ratio | 65.5666% | 2,213 |
| Assets per employee ($millions) | 5.0124% | 3,650 |
| Cash dividends to net income (ytd only)* | 77.1347% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,488 |
| Loan loss allowance to noncurrent loans | 358.7171% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 2,722 |
| Noncurrent loans to loans | 0.4267% | 2,402 |
| Net loans and leases to total assets | 55.9792% | 2,902 |
| Net loans and leases to deposits | 61.9020% | 3,211 |
| Net loans and leases to core deposits | 64.8551% | 3,202 |
| Total domestic deposits to total assets | 90.4321% | 586 |
| Equity capital to assets | 9.2364% | 3,575 |
| Core capital (leverage) ratio | 9.0202% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5936% | 1,766 |
| Memoranda: | ||
| Average total assets | $239,130,333 | 2,815 |
| Average earning assets | $213,580,000 | 2,877 |
| Average equity | $23,057,333 | 3,007 |
| Average total loans | $137,916,000 | 2,807 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 625 |
| Cost of funding earning assets | 0.2617% | 3,364 |
| Net interest margin | 4.3676% | 455 |
| Noninterest income to average assets | 0.6067% | 2,175 |
| Noninterest expense to average assets | 2.8314% | 1,304 |
| Loan and lease loss provision to assets | 0.1028% | 1,319 |
| Net operating income to assets | 1.5339% | 1,256 |
| Return on assets (ROA) | 1.5665% | 1,244 |
| Pretax return on assets | 1.5665% | 1,816 |
| Return on Equity (ROE) | 15.8874% | 1,041 |
| Retained earnings to average equity (ytd only) | 1.0603% | 4,201 |
| Net charge-offs to loans | 0.0796% | 802 |
| Credit loss provision to net charge-offs | 222.2222% | 856 |
| Earnings coverage of net charge-offs (x) | 35.3704% | 1,024 |
| Efficiency ratio | 63.3679% | 2,552 |
| Assets per employee ($millions) | 4.6921% | 3,936 |
| Cash dividends to net income (ytd only)* | 93.3260% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,518 |
| Loan loss allowance to noncurrent loans | 300.2950% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 2,698 |
| Noncurrent loans to loans | 0.5082% | 2,335 |
| Net loans and leases to total assets | 56.0031% | 3,036 |
| Net loans and leases to deposits | 62.0757% | 3,311 |
| Net loans and leases to core deposits | 64.8210% | 3,334 |
| Total domestic deposits to total assets | 90.2175% | 716 |
| Equity capital to assets | 9.5915% | 3,118 |
| Core capital (leverage) ratio | 9.4180% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2963% | 1,476 |
| Memoranda: | ||
| Average total assets | $233,386,500 | 2,840 |
| Average earning assets | $206,339,000 | 2,924 |
| Average equity | $23,012,000 | 2,996 |
| Average total loans | $135,636,500 | 2,829 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 389 |
| Cost of funding earning assets | 0.4287% | 3,412 |
| Net interest margin | 4.6953% | 215 |
| Noninterest income to average assets | 0.5746% | 2,320 |
| Noninterest expense to average assets | 3.3240% | 881 |
| Loan and lease loss provision to assets | 0.4258% | 688 |
| Net operating income to assets | 1.1207% | 1,837 |
| Return on assets (ROA) | 1.1778% | 1,735 |
| Pretax return on assets | 1.1778% | 2,407 |
| Return on Equity (ROE) | 10.8296% | 1,693 |
| Retained earnings to average equity (ytd only) | 5.6244% | 1,981 |
| Net charge-offs to loans | 0.1925% | 886 |
| Credit loss provision to net charge-offs | 334.6457% | 1,619 |
| Earnings coverage of net charge-offs (x) | 12.1535% | 2,352 |
| Efficiency ratio | 68.2473% | 2,202 |
| Assets per employee ($millions) | 4.6434% | 3,769 |
| Cash dividends to net income (ytd only)* | 48.0647% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 1,763 |
| Loan loss allowance to noncurrent loans | 274.7599% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 2,739 |
| Noncurrent loans to loans | 0.5288% | 2,394 |
| Net loans and leases to total assets | 58.5127% | 3,031 |
| Net loans and leases to deposits | 65.2568% | 3,338 |
| Net loans and leases to core deposits | 67.8526% | 3,425 |
| Total domestic deposits to total assets | 89.6653% | 691 |
| Equity capital to assets | 10.1314% | 3,000 |
| Core capital (leverage) ratio | 9.8675% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6131% | 1,650 |
| Memoranda: | ||
| Average total assets | $199,611,000 | 2,947 |
| Average earning assets | $182,628,800 | 2,975 |
| Average equity | $21,709,000 | 3,039 |
| Average total loans | $131,969,200 | 2,842 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 454 |
| Cost of funding earning assets | 0.4731% | 3,407 |
| Net interest margin | 4.6760% | 270 |
| Noninterest income to average assets | 0.5738% | 2,283 |
| Noninterest expense to average assets | 3.4204% | 778 |
| Loan and lease loss provision to assets | 0.3969% | 895 |
| Net operating income to assets | 1.0856% | 2,037 |
| Return on assets (ROA) | 1.1371% | 1,978 |
| Pretax return on assets | 1.1371% | 2,615 |
| Return on Equity (ROE) | 10.2432% | 1,936 |
| Retained earnings to average equity (ytd only) | 3.1551% | 3,450 |
| Net charge-offs to loans | 0.1706% | 864 |
| Credit loss provision to net charge-offs | 341.3174% | 1,636 |
| Earnings coverage of net charge-offs (x) | 12.7485% | 2,233 |
| Efficiency ratio | 69.7628% | 1,913 |
| Assets per employee ($millions) | 4.2478% | 4,098 |
| Cash dividends to net income (ytd only)* | 69.1978% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,352 |
| Loan loss allowance to noncurrent loans | 201.5590% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 2,046 |
| Noncurrent loans to loans | 0.6249% | 2,235 |
| Net loans and leases to total assets | 66.8056% | 2,409 |
| Net loans and leases to deposits | 74.9569% | 2,859 |
| Net loans and leases to core deposits | 78.0382% | 3,006 |
| Total domestic deposits to total assets | 89.1252% | 716 |
| Equity capital to assets | 10.5574% | 2,740 |
| Core capital (leverage) ratio | 10.1300% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0265% | 1,821 |
| Memoranda: | ||
| Average total assets | $191,471,250 | 2,998 |
| Average earning assets | $177,270,500 | 3,009 |
| Average equity | $21,255,750 | 3,069 |
| Average total loans | $130,498,500 | 2,864 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 464 |
| Cost of funding earning assets | 0.5210% | 3,412 |
| Net interest margin | 4.8000% | 281 |
| Noninterest income to average assets | 0.5431% | 2,381 |
| Noninterest expense to average assets | 3.5014% | 748 |
| Loan and lease loss provision to assets | 0.4444% | 868 |
| Net operating income to assets | 1.0417% | 2,183 |
| Return on assets (ROA) | 1.0417% | 2,312 |
| Pretax return on assets | 1.0417% | 2,897 |
| Return on Equity (ROE) | 9.2109% | 2,273 |
| Retained earnings to average equity (ytd only) | 0.4696% | 4,218 |
| Net charge-offs to loans | 0.2157% | 718 |
| Credit loss provision to net charge-offs | 301.4706% | 1,614 |
| Earnings coverage of net charge-offs (x) | 10.0809% | 2,176 |
| Efficiency ratio | 70.2021% | 1,930 |
| Assets per employee ($millions) | 4.0157% | 4,293 |
| Cash dividends to net income (ytd only)* | 94.9011% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,467 |
| Loan loss allowance to noncurrent loans | 155.5042% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 1,531 |
| Noncurrent loans to loans | 0.7780% | 1,942 |
| Net loans and leases to total assets | 67.0264% | 2,495 |
| Net loans and leases to deposits | 75.2976% | 2,939 |
| Net loans and leases to core deposits | 80.9449% | 2,874 |
| Total domestic deposits to total assets | 89.0153% | 733 |
| Equity capital to assets | 10.6961% | 2,578 |
| Core capital (leverage) ratio | 10.5423% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8558% | 1,285 |
| Memoranda: | ||
| Average total assets | $184,498,000 | 3,039 |
| Average earning assets | $170,834,667 | 3,038 |
| Average equity | $20,866,667 | 3,090 |
| Average total loans | $126,098,333 | 2,906 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 625 |
| Cost of funding earning assets | 0.6001% | 3,436 |
| Net interest margin | 4.6320% | 389 |
| Noninterest income to average assets | 0.6791% | 1,734 |
| Noninterest expense to average assets | 3.6181% | 799 |
| Loan and lease loss provision to assets | 0.3097% | 1,004 |
| Net operating income to assets | 1.0370% | 2,053 |
| Return on assets (ROA) | 1.0370% | 2,150 |
| Pretax return on assets | 1.0370% | 2,711 |
| Return on Equity (ROE) | 8.8858% | 2,160 |
| Retained earnings to average equity (ytd only) | -3.9908% | 4,436 |
| Net charge-offs to loans | 0.2540% | 577 |
| Credit loss provision to net charge-offs | 177.6316% | 1,480 |
| Earnings coverage of net charge-offs (x) | 7.7237% | 1,901 |
| Efficiency ratio | 72.8743% | 1,954 |
| Assets per employee ($millions) | 3.4367% | 4,539 |
| Cash dividends to net income (ytd only)* | 144.9115% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,668 |
| Loan loss allowance to noncurrent loans | 58.0135% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.7305% | 552 |
| Noncurrent loans to loans | 2.0696% | 667 |
| Net loans and leases to total assets | 68.8281% | 2,417 |
| Net loans and leases to deposits | 78.0228% | 2,886 |
| Net loans and leases to core deposits | 82.0417% | 3,019 |
| Total domestic deposits to total assets | 88.2153% | 1,012 |
| Equity capital to assets | 11.5296% | 2,416 |
| Core capital (leverage) ratio | 11.7867% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3447% | 1,265 |
| Memoranda: | ||
| Average total assets | $174,345,500 | 3,091 |
| Average earning assets | $161,312,000 | 3,098 |
| Average equity | $20,347,000 | 3,136 |
| Average total loans | $119,671,000 | 2,961 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 782 |
| Cost of funding earning assets | 0.6297% | 3,503 |
| Net interest margin | 4.6945% | 478 |
| Noninterest income to average assets | 0.6960% | 1,838 |
| Noninterest expense to average assets | 3.7756% | 694 |
| Loan and lease loss provision to assets | 0.2108% | 949 |
| Net operating income to assets | 0.9905% | 2,881 |
| Return on assets (ROA) | 1.0695% | 2,679 |
| Pretax return on assets | 1.0695% | 3,264 |
| Return on Equity (ROE) | 9.1324% | 2,694 |
| Retained earnings to average equity (ytd only) | 3.2757% | 3,372 |
| Net charge-offs to loans | 0.4580% | 405 |
| Credit loss provision to net charge-offs | 69.4716% | 2,919 |
| Earnings coverage of net charge-offs (x) | 3.9589% | 3,270 |
| Efficiency ratio | 75.8621% | 1,385 |
| Assets per employee ($millions) | 3.4684% | 4,506 |
| Cash dividends to net income (ytd only)* | 64.1310% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,439 |
| Loan loss allowance to noncurrent loans | 87.1207% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 1,006 |
| Noncurrent loans to loans | 1.3775% | 1,077 |
| Net loans and leases to total assets | 66.7935% | 2,859 |
| Net loans and leases to deposits | 75.9672% | 3,183 |
| Net loans and leases to core deposits | 79.5148% | 3,340 |
| Total domestic deposits to total assets | 87.9242% | 1,162 |
| Equity capital to assets | 11.8129% | 2,272 |
| Core capital (leverage) ratio | 11.9672% | 1,803 |
| Tier 1 risk-based capital ratio | 16.5207% | 2,209 |
| Total risk-based capital ratio | 17.6480% | 2,198 |
| Memoranda: | ||
| Average total assets | $168,397,000 | 3,121 |
| Average earning assets | $153,562,200 | 3,148 |
| Average equity | $19,721,000 | 3,157 |
| Average total loans | $111,572,600 | 3,059 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 847 |
| Cost of funding earning assets | 0.6272% | 3,545 |
| Net interest margin | 4.6822% | 513 |
| Noninterest income to average assets | 0.8185% | 1,365 |
| Noninterest expense to average assets | 3.7811% | 677 |
| Loan and lease loss provision to assets | 0.1954% | 907 |
| Net operating income to assets | 1.0937% | 2,596 |
| Return on assets (ROA) | 1.1192% | 2,585 |
| Pretax return on assets | 1.1192% | 3,242 |
| Return on Equity (ROE) | 9.5783% | 2,632 |
| Retained earnings to average equity (ytd only) | 1.6931% | 4,364 |
| Net charge-offs to loans | 0.5761% | 285 |
| Credit loss provision to net charge-offs | 51.4706% | 2,779 |
| Earnings coverage of net charge-offs (x) | 3.3950% | 3,103 |
| Efficiency ratio | 74.5752% | 1,483 |
| Assets per employee ($millions) | 3.1547% | 4,789 |
| Cash dividends to net income (ytd only)* | 82.3235% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 2,730 |
| Loan loss allowance to noncurrent loans | 98.5207% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 2.0223% | 428 |
| Noncurrent loans to loans | 1.1753% | 1,345 |
| Net loans and leases to total assets | 66.7461% | 2,953 |
| Net loans and leases to deposits | 76.1254% | 3,281 |
| Net loans and leases to core deposits | 79.6118% | 3,420 |
| Total domestic deposits to total assets | 87.6791% | 1,176 |
| Equity capital to assets | 11.9927% | 2,262 |
| Core capital (leverage) ratio | 11.9132% | 1,911 |
| Tier 1 risk-based capital ratio | 16.9893% | 2,088 |
| Total risk-based capital ratio | 18.1090% | 2,076 |
| Memoranda: | ||
| Average total assets | $167,141,000 | 3,156 |
| Average earning assets | $151,776,000 | 3,195 |
| Average equity | $19,529,750 | 3,198 |
| Average total loans | $110,155,500 | 3,122 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 875 |
| Cost of funding earning assets | 0.6027% | 3,638 |
| Net interest margin | 4.6623% | 533 |
| Noninterest income to average assets | 0.8069% | 1,328 |
| Noninterest expense to average assets | 3.8020% | 660 |
| Loan and lease loss provision to assets | 0.1626% | 1,118 |
| Net operating income to assets | 1.0815% | 2,593 |
| Return on assets (ROA) | 1.1200% | 2,520 |
| Pretax return on assets | 1.1200% | 3,175 |
| Return on Equity (ROE) | 9.6726% | 2,547 |
| Retained earnings to average equity (ytd only) | -0.7592% | 4,799 |
| Net charge-offs to loans | 0.7261% | 200 |
| Credit loss provision to net charge-offs | 34.2640% | 2,578 |
| Earnings coverage of net charge-offs (x) | 2.6218% | 2,922 |
| Efficiency ratio | 75.3461% | 1,478 |
| Assets per employee ($millions) | 3.1038% | 4,839 |
| Cash dividends to net income (ytd only)* | 107.8495% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,615 |
| Loan loss allowance to noncurrent loans | 78.4597% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 587 |
| Noncurrent loans to loans | 1.5076% | 1,025 |
| Net loans and leases to total assets | 64.9979% | 3,241 |
| Net loans and leases to deposits | 73.9261% | 3,525 |
| Net loans and leases to core deposits | 77.4810% | 3,616 |
| Total domestic deposits to total assets | 87.9227% | 1,138 |
| Equity capital to assets | 11.8338% | 2,318 |
| Core capital (leverage) ratio | 12.1632% | 1,716 |
| Tier 1 risk-based capital ratio | 17.0604% | 2,069 |
| Total risk-based capital ratio | 18.1789% | 2,046 |
| Memoranda: | ||
| Average total assets | $166,070,330 | 3,188 |
| Average earning assets | $150,997,000 | 3,217 |
| Average equity | $19,229,670 | 3,228 |
| Average total loans | $108,528,670 | 3,162 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 896 |
| Cost of funding earning assets | 0.5759% | 3,694 |
| Net interest margin | 4.6333% | 568 |
| Noninterest income to average assets | 0.8711% | 1,114 |
| Noninterest expense to average assets | 3.7918% | 657 |
| Loan and lease loss provision to assets | 0.1815% | 907 |
| Net operating income to assets | 1.1228% | 2,382 |
| Return on assets (ROA) | 1.1228% | 2,429 |
| Pretax return on assets | 1.1228% | 3,083 |
| Return on Equity (ROE) | 9.8058% | 2,444 |
| Retained earnings to average equity (ytd only) | -5.5792% | 4,952 |
| Net charge-offs to loans | 0.8619% | 169 |
| Credit loss provision to net charge-offs | 32.3276% | 2,075 |
| Earnings coverage of net charge-offs (x) | 2.3233% | 2,505 |
| Efficiency ratio | 74.4065% | 1,695 |
| Assets per employee ($millions) | 2.9806% | 4,988 |
| Cash dividends to net income (ytd only)* | 156.8966% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,003 |
| Loan loss allowance to noncurrent loans | 45.0064% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.1009% | 439 |
| Noncurrent loans to loans | 2.9301% | 382 |
| Net loans and leases to total assets | 64.1803% | 3,265 |
| Net loans and leases to deposits | 72.8701% | 3,539 |
| Net loans and leases to core deposits | 76.7467% | 3,614 |
| Total domestic deposits to total assets | 88.0749% | 1,299 |
| Equity capital to assets | 11.6701% | 2,256 |
| Core capital (leverage) ratio | 12.1405% | 1,695 |
| Tier 1 risk-based capital ratio | 17.7769% | 1,862 |
| Total risk-based capital ratio | 19.0267% | 1,820 |
| Memoranda: | ||
| Average total assets | $165,303,500 | 3,233 |
| Average earning assets | $150,733,500 | 3,262 |
| Average equity | $18,927,500 | 3,268 |
| Average total loans | $107,671,500 | 3,202 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 674 |
| Cost of funding earning assets | 0.4329% | 3,782 |
| Net interest margin | 4.7873% | 407 |
| Noninterest income to average assets | 0.8865% | 1,207 |
| Noninterest expense to average assets | 3.7528% | 724 |
| Loan and lease loss provision to assets | 0.0674% | 2,799 |
| Net operating income to assets | 1.4390% | 1,308 |
| Return on assets (ROA) | 1.4390% | 1,297 |
| Pretax return on assets | 1.4390% | 1,993 |
| Return on Equity (ROE) | 13.1351% | 1,292 |
| Retained earnings to average equity (ytd only) | 5.9099% | 2,238 |
| Net charge-offs to loans | 0.0470% | 2,493 |
| Credit loss provision to net charge-offs | 215.6863% | 1,342 |
| Earnings coverage of net charge-offs (x) | 48.1765% | 1,159 |
| Efficiency ratio | 71.3570% | 1,990 |
| Assets per employee ($millions) | 3.0866% | 4,935 |
| Cash dividends to net income (ytd only)* | 55.0064% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,494 |
| Loan loss allowance to noncurrent loans | 58.6492% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6589% | 658 |
| Noncurrent loans to loans | 2.4511% | 504 |
| Net loans and leases to total assets | 64.2940% | 3,325 |
| Net loans and leases to deposits | 72.5863% | 3,618 |
| Net loans and leases to core deposits | 76.3431% | 3,692 |
| Total domestic deposits to total assets | 88.5760% | 1,036 |
| Equity capital to assets | 11.2338% | 2,486 |
| Core capital (leverage) ratio | 12.4612% | 1,476 |
| Tier 1 risk-based capital ratio | 17.6681% | 1,856 |
| Total risk-based capital ratio | 18.9195% | 1,806 |
| Memoranda: | ||
| Average total assets | $163,104,600 | 3,238 |
| Average earning assets | $148,978,200 | 3,256 |
| Average equity | $17,868,200 | 3,304 |
| Average total loans | $108,395,600 | 3,159 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 604 |
| Cost of funding earning assets | 0.4033% | 3,835 |
| Net interest margin | 4.8202% | 363 |
| Noninterest income to average assets | 0.8902% | 1,228 |
| Noninterest expense to average assets | 3.7727% | 687 |
| Loan and lease loss provision to assets | 0.0699% | 2,568 |
| Net operating income to assets | 1.4483% | 1,330 |
| Return on assets (ROA) | 1.4483% | 1,334 |
| Pretax return on assets | 1.4483% | 2,065 |
| Return on Equity (ROE) | 13.3071% | 1,330 |
| Retained earnings to average equity (ytd only) | 3.5571% | 3,987 |
| Net charge-offs to loans | 0.0222% | 2,696 |
| Credit loss provision to net charge-offs | 472.2222% | 736 |
| Earnings coverage of net charge-offs (x) | 102.6088% | 737 |
| Efficiency ratio | 71.3065% | 1,994 |
| Assets per employee ($millions) | 2.9928% | 5,041 |
| Cash dividends to net income (ytd only)* | 73.2691% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,422 |
| Loan loss allowance to noncurrent loans | 53.2182% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.1403% | 479 |
| Noncurrent loans to loans | 2.7791% | 430 |
| Net loans and leases to total assets | 65.9742% | 3,180 |
| Net loans and leases to deposits | 74.5809% | 3,543 |
| Net loans and leases to core deposits | 78.4905% | 3,621 |
| Total domestic deposits to total assets | 88.4599% | 1,063 |
| Equity capital to assets | 11.1164% | 2,551 |
| Core capital (leverage) ratio | 12.2442% | 1,650 |
| Tier 1 risk-based capital ratio | 17.6699% | 1,877 |
| Total risk-based capital ratio | 18.9218% | 1,835 |
| Memoranda: | ||
| Average total assets | $162,212,000 | 3,280 |
| Average earning assets | $148,096,750 | 3,298 |
| Average equity | $17,654,250 | 3,358 |
| Average total loans | $108,313,250 | 3,185 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 571 |
| Cost of funding earning assets | 0.3763% | 3,903 |
| Net interest margin | 4.8050% | 361 |
| Noninterest income to average assets | 0.8935% | 1,198 |
| Noninterest expense to average assets | 3.7954% | 676 |
| Loan and lease loss provision to assets | 0.0612% | 2,677 |
| Net operating income to assets | 1.4283% | 1,345 |
| Return on assets (ROA) | 1.4283% | 1,343 |
| Pretax return on assets | 1.4283% | 2,057 |
| Return on Equity (ROE) | 13.2153% | 1,295 |
| Retained earnings to average equity (ytd only) | 1.0192% | 4,751 |
| Net charge-offs to loans | -0.2569% | 5,363 |
| Credit loss provision to net charge-offs | -35.7143% | 3,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8157% | 2,031 |
| Assets per employee ($millions) | 3.0172% | 5,086 |
| Cash dividends to net income (ytd only)* | 92.2879% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,226 |
| Loan loss allowance to noncurrent loans | 59.9646% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.0255% | 529 |
| Noncurrent loans to loans | 2.5926% | 487 |
| Net loans and leases to total assets | 67.0804% | 3,000 |
| Net loans and leases to deposits | 75.6074% | 3,377 |
| Net loans and leases to core deposits | 78.1625% | 3,564 |
| Total domestic deposits to total assets | 88.7221% | 1,049 |
| Equity capital to assets | 10.9252% | 2,705 |
| Core capital (leverage) ratio | 11.8424% | 1,814 |
| Tier 1 risk-based capital ratio | 17.0927% | 2,065 |
| Total risk-based capital ratio | 18.3453% | 2,013 |
| Memoranda: | ||
| Average total assets | $163,409,000 | 3,279 |
| Average earning assets | $149,345,670 | 3,303 |
| Average equity | $17,661,330 | 3,375 |
| Average total loans | $109,011,000 | 3,187 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 599 |
| Cost of funding earning assets | 0.3576% | 3,927 |
| Net interest margin | 4.7289% | 389 |
| Noninterest income to average assets | 0.8743% | 1,221 |
| Noninterest expense to average assets | 3.7492% | 712 |
| Loan and lease loss provision to assets | 0.0484% | 2,810 |
| Net operating income to assets | 1.3999% | 1,342 |
| Return on assets (ROA) | 1.3999% | 1,347 |
| Pretax return on assets | 1.3999% | 2,000 |
| Return on Equity (ROE) | 13.0206% | 1,257 |
| Retained earnings to average equity (ytd only) | -3.4466% | 5,111 |
| Net charge-offs to loans | -0.4879% | 5,498 |
| Credit loss provision to net charge-offs | -15.0376% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1342% | 2,172 |
| Assets per employee ($millions) | 2.9554% | 5,178 |
| Cash dividends to net income (ytd only)* | 126.4706% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,349 |
| Loan loss allowance to noncurrent loans | 71.4532% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 750 |
| Noncurrent loans to loans | 2.1416% | 719 |
| Net loans and leases to total assets | 65.5978% | 3,103 |
| Net loans and leases to deposits | 73.6820% | 3,445 |
| Net loans and leases to core deposits | 77.0274% | 3,576 |
| Total domestic deposits to total assets | 89.0283% | 1,079 |
| Equity capital to assets | 10.7029% | 2,866 |
| Core capital (leverage) ratio | 11.5192% | 1,995 |
| Tier 1 risk-based capital ratio | 16.7805% | 2,187 |
| Total risk-based capital ratio | 18.0331% | 2,131 |
| Memoranda: | ||
| Average total assets | $165,156,500 | 3,303 |
| Average earning assets | $150,986,000 | 3,316 |
| Average equity | $17,756,500 | 3,388 |
| Average total loans | $109,034,000 | 3,207 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 460 |
| Cost of funding earning assets | 0.3501% | 3,721 |
| Net interest margin | 4.8332% | 326 |
| Noninterest income to average assets | 0.8223% | 1,490 |
| Noninterest expense to average assets | 3.7466% | 741 |
| Loan and lease loss provision to assets | 0.1064% | 2,106 |
| Net operating income to assets | 1.3767% | 1,066 |
| Return on assets (ROA) | 1.3953% | 1,047 |
| Pretax return on assets | 1.3953% | 2,008 |
| Return on Equity (ROE) | 12.9117% | 972 |
| Retained earnings to average equity (ytd only) | 6.5904% | 1,239 |
| Net charge-offs to loans | -0.0102% | 4,794 |
| Credit loss provision to net charge-offs | -1,563.6364% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6398% | 2,286 |
| Assets per employee ($millions) | 3.1654% | 5,063 |
| Cash dividends to net income (ytd only)* | 48.9579% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 1,884 |
| Loan loss allowance to noncurrent loans | 68.8330% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5909% | 839 |
| Noncurrent loans to loans | 1.9903% | 768 |
| Net loans and leases to total assets | 64.5421% | 3,295 |
| Net loans and leases to deposits | 72.4840% | 3,650 |
| Net loans and leases to core deposits | 74.7229% | 3,828 |
| Total domestic deposits to total assets | 89.0432% | 983 |
| Equity capital to assets | 10.7982% | 2,838 |
| Core capital (leverage) ratio | 11.9254% | 1,647 |
| Tier 1 risk-based capital ratio | 16.8396% | 2,145 |
| Total risk-based capital ratio | 18.0910% | 2,095 |
| Memoranda: | ||
| Average total assets | $161,614,000 | 3,332 |
| Average earning assets | $147,375,400 | 3,357 |
| Average equity | $17,464,800 | 3,437 |
| Average total loans | $107,865,200 | 3,215 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 405 |
| Cost of funding earning assets | 0.3519% | 3,648 |
| Net interest margin | 4.8678% | 289 |
| Noninterest income to average assets | 0.7754% | 1,681 |
| Noninterest expense to average assets | 3.7490% | 720 |
| Loan and lease loss provision to assets | 0.1349% | 1,604 |
| Net operating income to assets | 1.3268% | 1,259 |
| Return on assets (ROA) | 1.3518% | 1,220 |
| Pretax return on assets | 1.3518% | 2,274 |
| Return on Equity (ROE) | 12.5069% | 1,184 |
| Retained earnings to average equity (ytd only) | 3.9994% | 3,544 |
| Net charge-offs to loans | 0.1726% | 1,211 |
| Credit loss provision to net charge-offs | 116.5468% | 2,053 |
| Earnings coverage of net charge-offs (x) | 12.6258% | 2,413 |
| Efficiency ratio | 71.9469% | 2,213 |
| Assets per employee ($millions) | 2.8814% | 5,335 |
| Cash dividends to net income (ytd only)* | 68.0219% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,667 |
| Loan loss allowance to noncurrent loans | 81.8514% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 1,175 |
| Noncurrent loans to loans | 1.5218% | 1,224 |
| Net loans and leases to total assets | 67.2377% | 2,954 |
| Net loans and leases to deposits | 77.1489% | 3,259 |
| Net loans and leases to core deposits | 80.0503% | 3,453 |
| Total domestic deposits to total assets | 87.1532% | 1,795 |
| Equity capital to assets | 11.2743% | 2,596 |
| Core capital (leverage) ratio | 11.4928% | 2,024 |
| Tier 1 risk-based capital ratio | 16.8272% | 2,210 |
| Total risk-based capital ratio | 18.0647% | 2,172 |
| Memoranda: | ||
| Average total assets | $160,075,500 | 3,373 |
| Average earning assets | $145,851,750 | 3,401 |
| Average equity | $17,302,000 | 3,491 |
| Average total loans | $107,385,250 | 3,249 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 435 |
| Cost of funding earning assets | 0.3421% | 3,666 |
| Net interest margin | 4.8025% | 323 |
| Noninterest income to average assets | 0.8082% | 1,545 |
| Noninterest expense to average assets | 3.7183% | 757 |
| Loan and lease loss provision to assets | 0.1494% | 1,359 |
| Net operating income to assets | 1.3287% | 1,221 |
| Return on assets (ROA) | 1.3287% | 1,245 |
| Pretax return on assets | 1.3287% | 2,273 |
| Return on Equity (ROE) | 12.4696% | 1,171 |
| Retained earnings to average equity (ytd only) | 1.9867% | 4,461 |
| Net charge-offs to loans | 0.2686% | 759 |
| Credit loss provision to net charge-offs | 83.3333% | 2,220 |
| Earnings coverage of net charge-offs (x) | 8.2431% | 2,522 |
| Efficiency ratio | 71.5552% | 2,421 |
| Assets per employee ($millions) | 2.8332% | 5,397 |
| Cash dividends to net income (ytd only)* | 84.0675% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 3,017 |
| Loan loss allowance to noncurrent loans | 76.2045% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 977 |
| Noncurrent loans to loans | 1.5751% | 1,185 |
| Net loans and leases to total assets | 66.1098% | 3,086 |
| Net loans and leases to deposits | 74.4111% | 3,501 |
| Net loans and leases to core deposits | 76.8199% | 3,696 |
| Total domestic deposits to total assets | 88.8440% | 1,036 |
| Equity capital to assets | 10.8940% | 2,932 |
| Core capital (leverage) ratio | 11.1438% | 2,278 |
| Tier 1 risk-based capital ratio | 16.0383% | 2,487 |
| Total risk-based capital ratio | 17.1987% | 2,466 |
| Memoranda: | ||
| Average total assets | $160,609,000 | 3,389 |
| Average earning assets | $146,756,000 | 3,405 |
| Average equity | $17,113,670 | 3,519 |
| Average total loans | $107,214,000 | 3,262 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0904% | 451 |
| Cost of funding earning assets | 0.3410% | 3,622 |
| Net interest margin | 4.7494% | 343 |
| Noninterest income to average assets | 0.7192% | 1,875 |
| Noninterest expense to average assets | 3.6287% | 858 |
| Loan and lease loss provision to assets | 0.1623% | 1,108 |
| Net operating income to assets | 1.2762% | 1,305 |
| Return on assets (ROA) | 1.2762% | 1,339 |
| Pretax return on assets | 1.2762% | 2,327 |
| Return on Equity (ROE) | 12.1133% | 1,204 |
| Retained earnings to average equity (ytd only) | -1.6119% | 5,137 |
| Net charge-offs to loans | 0.3521% | 522 |
| Credit loss provision to net charge-offs | 69.1489% | 1,845 |
| Earnings coverage of net charge-offs (x) | 6.1277% | 2,238 |
| Efficiency ratio | 71.6116% | 2,648 |
| Assets per employee ($millions) | 2.9577% | 5,387 |
| Cash dividends to net income (ytd only)* | 113.3072% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 3,130 |
| Loan loss allowance to noncurrent loans | 75.9107% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 1,079 |
| Noncurrent loans to loans | 1.5823% | 1,231 |
| Net loans and leases to total assets | 66.5377% | 2,892 |
| Net loans and leases to deposits | 74.6560% | 3,340 |
| Net loans and leases to core deposits | 77.1165% | 3,552 |
| Total domestic deposits to total assets | 89.1258% | 1,094 |
| Equity capital to assets | 10.6582% | 3,002 |
| Core capital (leverage) ratio | 11.1734% | 2,215 |
| Tier 1 risk-based capital ratio | 16.2357% | 2,461 |
| Total risk-based capital ratio | 17.4216% | 2,429 |
| Memoranda: | ||
| Average total assets | $160,167,500 | 3,429 |
| Average earning assets | $146,629,000 | 3,443 |
| Average equity | $16,874,000 | 3,563 |
| Average total loans | $106,791,500 | 3,291 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 390 |
| Cost of funding earning assets | 0.3625% | 3,389 |
| Net interest margin | 4.8752% | 302 |
| Noninterest income to average assets | 1.0656% | 995 |
| Noninterest expense to average assets | 4.0302% | 575 |
| Loan and lease loss provision to assets | 0.1379% | 1,809 |
| Net operating income to assets | 1.3457% | 1,103 |
| Return on assets (ROA) | 1.3919% | 1,057 |
| Pretax return on assets | 1.3919% | 1,976 |
| Return on Equity (ROE) | 13.0281% | 989 |
| Retained earnings to average equity (ytd only) | 5.8008% | 1,824 |
| Net charge-offs to loans | 0.2543% | 1,086 |
| Credit loss provision to net charge-offs | 79.2727% | 2,985 |
| Earnings coverage of net charge-offs (x) | 8.5309% | 2,862 |
| Efficiency ratio | 73.0932% | 2,419 |
| Assets per employee ($millions) | 2.9744% | 5,371 |
| Cash dividends to net income (ytd only)* | 55.4748% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,846 |
| Loan loss allowance to noncurrent loans | 75.0995% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5328% | 1,066 |
| Noncurrent loans to loans | 1.6591% | 1,164 |
| Net loans and leases to total assets | 65.1845% | 3,197 |
| Net loans and leases to deposits | 72.8679% | 3,627 |
| Net loans and leases to core deposits | 75.4368% | 3,799 |
| Total domestic deposits to total assets | 89.4557% | 878 |
| Equity capital to assets | 10.4129% | 3,255 |
| Core capital (leverage) ratio | 11.1887% | 2,177 |
| Tier 1 risk-based capital ratio | 16.4309% | 2,372 |
| Total risk-based capital ratio | 17.6533% | 2,325 |
| Memoranda: | ||
| Average total assets | $158,132,200 | 3,416 |
| Average earning assets | $144,281,200 | 3,440 |
| Average equity | $16,894,200 | 3,565 |
| Average total loans | $108,151,200 | 3,236 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 388 |
| Cost of funding earning assets | 0.3664% | 3,370 |
| Net interest margin | 4.8998% | 304 |
| Noninterest income to average assets | 0.8008% | 1,761 |
| Noninterest expense to average assets | 3.7770% | 764 |
| Loan and lease loss provision to assets | 0.1168% | 1,975 |
| Net operating income to assets | 1.3781% | 1,110 |
| Return on assets (ROA) | 1.4339% | 1,047 |
| Pretax return on assets | 1.4339% | 1,927 |
| Return on Equity (ROE) | 13.3358% | 962 |
| Retained earnings to average equity (ytd only) | 3.7236% | 3,658 |
| Net charge-offs to loans | 0.1668% | 1,372 |
| Credit loss provision to net charge-offs | 101.4706% | 2,320 |
| Earnings coverage of net charge-offs (x) | 12.9852% | 2,344 |
| Efficiency ratio | 71.6442% | 2,624 |
| Assets per employee ($millions) | 2.9933% | 5,399 |
| Cash dividends to net income (ytd only)* | 72.0780% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,882 |
| Loan loss allowance to noncurrent loans | 74.5946% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 1,427 |
| Noncurrent loans to loans | 1.6917% | 1,244 |
| Net loans and leases to total assets | 68.0629% | 2,795 |
| Net loans and leases to deposits | 76.7731% | 3,312 |
| Net loans and leases to core deposits | 79.5361% | 3,491 |
| Total domestic deposits to total assets | 88.6546% | 1,073 |
| Equity capital to assets | 11.0453% | 2,960 |
| Core capital (leverage) ratio | 10.8647% | 2,609 |
| Tier 1 risk-based capital ratio | 15.7409% | 2,727 |
| Total risk-based capital ratio | 16.9911% | 2,663 |
| Memoranda: | ||
| Average total assets | $157,510,750 | 3,434 |
| Average earning assets | $143,728,750 | 3,465 |
| Average equity | $16,936,500 | 3,589 |
| Average total loans | $108,684,250 | 3,240 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 358 |
| Cost of funding earning assets | 0.3723% | 3,338 |
| Net interest margin | 4.9317% | 298 |
| Noninterest income to average assets | 0.8019% | 1,705 |
| Noninterest expense to average assets | 3.8133% | 756 |
| Loan and lease loss provision to assets | 0.0993% | 2,176 |
| Net operating income to assets | 1.3746% | 1,103 |
| Return on assets (ROA) | 1.4281% | 1,056 |
| Pretax return on assets | 1.4281% | 1,918 |
| Return on Equity (ROE) | 13.4042% | 944 |
| Retained earnings to average equity (ytd only) | 1.2664% | 4,879 |
| Net charge-offs to loans | 0.1162% | 1,671 |
| Credit loss provision to net charge-offs | 123.8095% | 1,816 |
| Earnings coverage of net charge-offs (x) | 18.3810% | 1,827 |
| Efficiency ratio | 72.1233% | 2,630 |
| Assets per employee ($millions) | 2.9668% | 5,467 |
| Cash dividends to net income (ytd only)* | 90.5526% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,904 |
| Loan loss allowance to noncurrent loans | 79.4638% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 1,530 |
| Noncurrent loans to loans | 1.6094% | 1,331 |
| Net loans and leases to total assets | 68.3853% | 2,728 |
| Net loans and leases to deposits | 76.8899% | 3,281 |
| Net loans and leases to core deposits | 79.9716% | 3,459 |
| Total domestic deposits to total assets | 88.9392% | 946 |
| Equity capital to assets | 10.8408% | 3,244 |
| Core capital (leverage) ratio | 10.6274% | 2,819 |
| Tier 1 risk-based capital ratio | 15.5714% | 2,830 |
| Total risk-based capital ratio | 16.8213% | 2,772 |
| Memoranda: | ||
| Average total assets | $157,132,330 | 3,460 |
| Average earning assets | $142,911,330 | 3,497 |
| Average equity | $16,741,000 | 3,623 |
| Average total loans | $108,459,330 | 3,265 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 341 |
| Cost of funding earning assets | 0.3669% | 3,431 |
| Net interest margin | 4.9491% | 282 |
| Noninterest income to average assets | 0.7563% | 1,796 |
| Noninterest expense to average assets | 3.7994% | 778 |
| Loan and lease loss provision to assets | 0.0917% | 2,154 |
| Net operating income to assets | 1.3649% | 1,105 |
| Return on assets (ROA) | 1.3751% | 1,145 |
| Pretax return on assets | 1.3751% | 1,983 |
| Return on Equity (ROE) | 13.0211% | 1,035 |
| Retained earnings to average equity (ytd only) | -3.3035% | 5,500 |
| Net charge-offs to loans | 0.0333% | 2,296 |
| Credit loss provision to net charge-offs | 400.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 63.5556% | 747 |
| Efficiency ratio | 72.2868% | 2,756 |
| Assets per employee ($millions) | 2.8974% | 5,599 |
| Cash dividends to net income (ytd only)* | 125.3704% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,878 |
| Loan loss allowance to noncurrent loans | 88.3019% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1653% | 1,886 |
| Noncurrent loans to loans | 1.4764% | 1,596 |
| Net loans and leases to total assets | 66.6976% | 2,860 |
| Net loans and leases to deposits | 74.6646% | 3,352 |
| Net loans and leases to core deposits | 77.5978% | 3,530 |
| Total domestic deposits to total assets | 89.3297% | 929 |
| Equity capital to assets | 10.4726% | 3,533 |
| Core capital (leverage) ratio | 10.7901% | 2,635 |
| Tier 1 risk-based capital ratio | 15.4787% | 2,931 |
| Total risk-based capital ratio | 16.7290% | 2,861 |
| Memoranda: | ||
| Average total assets | $157,078,500 | 3,477 |
| Average earning assets | $142,814,000 | 3,513 |
| Average equity | $16,588,500 | 3,648 |
| Average total loans | $108,228,000 | 3,271 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4399% | 294 |
| Cost of funding earning assets | 0.3869% | 3,297 |
| Net interest margin | 5.0531% | 228 |
| Noninterest income to average assets | 0.7944% | 1,809 |
| Noninterest expense to average assets | 3.8931% | 765 |
| Loan and lease loss provision to assets | 0.1013% | 2,297 |
| Net operating income to assets | 1.3994% | 1,039 |
| Return on assets (ROA) | 1.4073% | 1,071 |
| Pretax return on assets | 1.4073% | 1,876 |
| Return on Equity (ROE) | 13.6076% | 932 |
| Retained earnings to average equity (ytd only) | 6.9428% | 1,305 |
| Net charge-offs to loans | 0.1561% | 1,819 |
| Credit loss provision to net charge-offs | 91.1765% | 2,742 |
| Earnings coverage of net charge-offs (x) | 13.5118% | 2,365 |
| Efficiency ratio | 72.1778% | 2,878 |
| Assets per employee ($millions) | 2.8145% | 5,688 |
| Cash dividends to net income (ytd only)* | 48.9786% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 3,076 |
| Loan loss allowance to noncurrent loans | 89.4805% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 1,720 |
| Noncurrent loans to loans | 1.4159% | 1,647 |
| Net loans and leases to total assets | 69.3712% | 2,474 |
| Net loans and leases to deposits | 77.7652% | 3,079 |
| Net loans and leases to core deposits | 81.0668% | 3,237 |
| Total domestic deposits to total assets | 89.2060% | 1,018 |
| Equity capital to assets | 10.6512% | 3,186 |
| Core capital (leverage) ratio | 10.7660% | 2,638 |
| Tier 1 risk-based capital ratio | 15.4900% | 2,935 |
| Total risk-based capital ratio | 16.7402% | 2,875 |
| Memoranda: | ||
| Average total assets | $153,064,400 | 3,526 |
| Average earning assets | $139,321,200 | 3,547 |
| Average equity | $15,829,400 | 3,706 |
| Average total loans | $108,885,200 | 3,221 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4551% | 288 |
| Cost of funding earning assets | 0.3892% | 3,335 |
| Net interest margin | 5.0658% | 220 |
| Noninterest income to average assets | 0.8229% | 1,715 |
| Noninterest expense to average assets | 3.9886% | 676 |
| Loan and lease loss provision to assets | 0.0961% | 2,253 |
| Net operating income to assets | 1.3540% | 1,217 |
| Return on assets (ROA) | 1.3557% | 1,262 |
| Pretax return on assets | 1.3557% | 2,195 |
| Return on Equity (ROE) | 13.2098% | 1,080 |
| Retained earnings to average equity (ytd only) | 4.2302% | 3,453 |
| Net charge-offs to loans | 0.1714% | 1,449 |
| Credit loss provision to net charge-offs | 78.5714% | 2,632 |
| Earnings coverage of net charge-offs (x) | 11.8573% | 2,454 |
| Efficiency ratio | 73.3376% | 2,659 |
| Assets per employee ($millions) | 2.7613% | 5,791 |
| Cash dividends to net income (ytd only)* | 67.9768% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 3,414 |
| Loan loss allowance to noncurrent loans | 215.1659% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 3,068 |
| Noncurrent loans to loans | 0.5776% | 3,601 |
| Net loans and leases to total assets | 69.9929% | 2,384 |
| Net loans and leases to deposits | 78.4986% | 3,051 |
| Net loans and leases to core deposits | 81.8319% | 3,267 |
| Total domestic deposits to total assets | 89.1645% | 938 |
| Equity capital to assets | 10.4087% | 3,698 |
| Core capital (leverage) ratio | 10.4246% | 3,138 |
| Tier 1 risk-based capital ratio | 14.8525% | 3,370 |
| Total risk-based capital ratio | 16.1025% | 3,314 |
| Memoranda: | ||
| Average total assets | $152,630,750 | 3,557 |
| Average earning assets | $139,072,500 | 3,586 |
| Average equity | $15,664,750 | 3,767 |
| Average total loans | $108,915,500 | 3,250 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 285 |
| Cost of funding earning assets | 0.3850% | 3,424 |
| Net interest margin | 5.0725% | 220 |
| Noninterest income to average assets | 0.8305% | 1,665 |
| Noninterest expense to average assets | 3.9917% | 678 |
| Loan and lease loss provision to assets | 0.0987% | 2,175 |
| Net operating income to assets | 1.3529% | 1,184 |
| Return on assets (ROA) | 1.3529% | 1,231 |
| Pretax return on assets | 1.3529% | 2,176 |
| Return on Equity (ROE) | 13.2463% | 1,067 |
| Retained earnings to average equity (ytd only) | 1.9457% | 4,723 |
| Net charge-offs to loans | 0.1049% | 1,956 |
| Credit loss provision to net charge-offs | 131.5789% | 1,675 |
| Earnings coverage of net charge-offs (x) | 19.3509% | 1,754 |
| Efficiency ratio | 73.3317% | 2,777 |
| Assets per employee ($millions) | 2.8218% | 5,797 |
| Cash dividends to net income (ytd only)* | 85.3113% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 3,197 |
| Loan loss allowance to noncurrent loans | 2,275.8065% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 4,111 |
| Noncurrent loans to loans | 0.0575% | 5,505 |
| Net loans and leases to total assets | 68.5337% | 2,562 |
| Net loans and leases to deposits | 76.4007% | 3,219 |
| Net loans and leases to core deposits | 79.4308% | 3,450 |
| Total domestic deposits to total assets | 89.7030% | 785 |
| Equity capital to assets | 9.9587% | 4,084 |
| Core capital (leverage) ratio | 10.2114% | 3,320 |
| Tier 1 risk-based capital ratio | 14.3587% | 3,728 |
| Total risk-based capital ratio | 15.6088% | 3,646 |
| Memoranda: | ||
| Average total assets | $151,964,330 | 3,601 |
| Average earning assets | $138,197,000 | 3,631 |
| Average equity | $15,521,330 | 3,808 |
| Average total loans | $108,690,000 | 3,274 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5016% | 257 |
| Cost of funding earning assets | 0.3752% | 3,589 |
| Net interest margin | 5.1264% | 194 |
| Noninterest income to average assets | 0.7928% | 1,740 |
| Noninterest expense to average assets | 3.9695% | 721 |
| Loan and lease loss provision to assets | 0.1064% | 1,929 |
| Net operating income to assets | 1.3702% | 1,092 |
| Return on assets (ROA) | 1.3702% | 1,154 |
| Pretax return on assets | 1.3702% | 1,998 |
| Return on Equity (ROE) | 13.2442% | 1,033 |
| Retained earnings to average equity (ytd only) | -1.4659% | 5,613 |
| Net charge-offs to loans | 0.1099% | 1,642 |
| Credit loss provision to net charge-offs | 133.3333% | 1,348 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,486 |
| Efficiency ratio | 72.8872% | 3,010 |
| Assets per employee ($millions) | 2.6644% | 5,992 |
| Cash dividends to net income (ytd only)* | 111.0680% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 3,469 |
| Loan loss allowance to noncurrent loans | 359.7436% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 3,449 |
| Noncurrent loans to loans | 0.3579% | 4,523 |
| Net loans and leases to total assets | 70.8190% | 2,014 |
| Net loans and leases to deposits | 79.1492% | 2,663 |
| Net loans and leases to core deposits | 82.2148% | 2,942 |
| Total domestic deposits to total assets | 89.4754% | 1,005 |
| Equity capital to assets | 10.3106% | 3,763 |
| Core capital (leverage) ratio | 10.4888% | 2,977 |
| Tier 1 risk-based capital ratio | 12.3750% | 4,991 |
| Total risk-based capital ratio | 13.4866% | 4,994 |
| Memoranda: | ||
| Average total assets | $150,346,000 | 3,647 |
| Average earning assets | $136,470,000 | 3,675 |
| Average equity | $15,554,000 | 3,822 |
| Average total loans | $109,147,000 | 3,276 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5568% | 291 |
| Cost of funding earning assets | 0.3730% | 4,002 |
| Net interest margin | 5.1838% | 211 |
| Noninterest income to average assets | 0.7440% | 2,107 |
| Noninterest expense to average assets | 3.8670% | 893 |
| Loan and lease loss provision to assets | 0.3238% | 608 |
| Net operating income to assets | 1.2488% | 1,437 |
| Return on assets (ROA) | 1.2595% | 1,460 |
| Pretax return on assets | 1.2595% | 2,397 |
| Return on Equity (ROE) | 12.8646% | 1,170 |
| Retained earnings to average equity (ytd only) | 5.7305% | 2,118 |
| Net charge-offs to loans | 0.4948% | 834 |
| Credit loss provision to net charge-offs | 90.4494% | 2,640 |
| Earnings coverage of net charge-offs (x) | 4.3933% | 3,664 |
| Efficiency ratio | 71.0906% | 3,355 |
| Assets per employee ($millions) | 2.6575% | 6,056 |
| Cash dividends to net income (ytd only)* | 55.4550% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 3,569 |
| Loan loss allowance to noncurrent loans | 592.7660% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 3,607 |
| Noncurrent loans to loans | 0.2149% | 5,049 |
| Net loans and leases to total assets | 72.5331% | 1,826 |
| Net loans and leases to deposits | 81.0310% | 2,598 |
| Net loans and leases to core deposits | 83.6126% | 2,943 |
| Total domestic deposits to total assets | 89.5128% | 970 |
| Equity capital to assets | 10.3811% | 3,628 |
| Core capital (leverage) ratio | 10.6170% | 2,816 |
| Tier 1 risk-based capital ratio | 14.2815% | 3,910 |
| Total risk-based capital ratio | 15.5159% | 3,850 |
| Memoranda: | ||
| Average total assets | $149,186,800 | 3,641 |
| Average earning assets | $135,131,600 | 3,672 |
| Average equity | $14,606,000 | 3,912 |
| Average total loans | $107,917,000 | 3,269 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 305 |
| Cost of funding earning assets | 0.3727% | 4,100 |
| Net interest margin | 5.1580% | 216 |
| Noninterest income to average assets | 0.7386% | 2,143 |
| Noninterest expense to average assets | 3.8013% | 973 |
| Loan and lease loss provision to assets | 0.3867% | 445 |
| Net operating income to assets | 1.2111% | 1,641 |
| Return on assets (ROA) | 1.2111% | 1,708 |
| Pretax return on assets | 1.2111% | 2,734 |
| Return on Equity (ROE) | 12.5594% | 1,332 |
| Retained earnings to average equity (ytd only) | 2.9083% | 4,524 |
| Net charge-offs to loans | 0.5801% | 640 |
| Credit loss provision to net charge-offs | 92.5214% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.8227% | 3,584 |
| Efficiency ratio | 70.4053% | 3,439 |
| Assets per employee ($millions) | 2.5633% | 6,180 |
| Cash dividends to net income (ytd only)* | 76.8439% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,708 |
| Loan loss allowance to noncurrent loans | 298.5169% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 3,279 |
| Noncurrent loans to loans | 0.4314% | 4,609 |
| Net loans and leases to total assets | 73.9140% | 1,541 |
| Net loans and leases to deposits | 82.5757% | 2,351 |
| Net loans and leases to core deposits | 85.4323% | 2,728 |
| Total domestic deposits to total assets | 89.5106% | 975 |
| Equity capital to assets | 10.2109% | 3,918 |
| Core capital (leverage) ratio | 10.5650% | 2,963 |
| Tier 1 risk-based capital ratio | 13.6137% | 4,467 |
| Total risk-based capital ratio | 14.8643% | 4,410 |
| Memoranda: | ||
| Average total assets | $149,278,750 | 3,669 |
| Average earning assets | $134,881,500 | 3,710 |
| Average equity | $14,395,250 | 3,983 |
| Average total loans | $107,562,250 | 3,293 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 350 |
| Cost of funding earning assets | 0.3715% | 4,190 |
| Net interest margin | 5.0690% | 253 |
| Noninterest income to average assets | 0.6998% | 2,280 |
| Noninterest expense to average assets | 3.7529% | 1,039 |
| Loan and lease loss provision to assets | 0.4430% | 367 |
| Net operating income to assets | 1.0776% | 2,017 |
| Return on assets (ROA) | 1.0776% | 2,091 |
| Pretax return on assets | 1.0776% | 3,191 |
| Return on Equity (ROE) | 11.3919% | 1,603 |
| Retained earnings to average equity (ytd only) | -0.5626% | 5,785 |
| Net charge-offs to loans | 0.6489% | 598 |
| Credit loss provision to net charge-offs | 95.9654% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.2939% | 3,351 |
| Efficiency ratio | 71.1655% | 3,475 |
| Assets per employee ($millions) | 2.6192% | 6,187 |
| Cash dividends to net income (ytd only)* | 104.9383% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 3,733 |
| Loan loss allowance to noncurrent loans | 235.5848% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 2,932 |
| Noncurrent loans to loans | 0.5618% | 4,336 |
| Net loans and leases to total assets | 71.4152% | 1,841 |
| Net loans and leases to deposits | 79.3097% | 2,610 |
| Net loans and leases to core deposits | 81.9586% | 2,978 |
| Total domestic deposits to total assets | 90.0459% | 783 |
| Equity capital to assets | 9.7189% | 4,463 |
| Core capital (leverage) ratio | 9.9204% | 3,717 |
| Tier 1 risk-based capital ratio | 13.4167% | 4,639 |
| Total risk-based capital ratio | 14.6669% | 4,584 |
| Memoranda: | ||
| Average total assets | $150,335,330 | 3,672 |
| Average earning assets | $135,649,330 | 3,716 |
| Average equity | $14,220,670 | 4,003 |
| Average total loans | $106,948,330 | 3,309 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 328 |
| Cost of funding earning assets | 0.3791% | 4,209 |
| Net interest margin | 5.0492% | 246 |
| Noninterest income to average assets | 0.5727% | 2,900 |
| Noninterest expense to average assets | 3.6591% | 1,196 |
| Loan and lease loss provision to assets | 0.6178% | 212 |
| Net operating income to assets | 0.8511% | 2,890 |
| Return on assets (ROA) | 0.8511% | 2,962 |
| Pretax return on assets | 0.8511% | 3,896 |
| Return on Equity (ROE) | 9.1219% | 2,407 |
| Retained earnings to average equity (ytd only) | -8.6672% | 6,314 |
| Net charge-offs to loans | 1.0489% | 315 |
| Credit loss provision to net charge-offs | 83.5125% | 1,861 |
| Earnings coverage of net charge-offs (x) | 1.9857% | 2,974 |
| Efficiency ratio | 71.3547% | 3,600 |
| Assets per employee ($millions) | 2.6156% | 6,276 |
| Cash dividends to net income (ytd only)* | 195.0156% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,087 |
| Loan loss allowance to noncurrent loans | 325.8741% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9404% | 3,374 |
| Noncurrent loans to loans | 0.4014% | 4,929 |
| Net loans and leases to total assets | 70.7516% | 1,767 |
| Net loans and leases to deposits | 78.2263% | 2,521 |
| Net loans and leases to core deposits | 80.8289% | 2,870 |
| Total domestic deposits to total assets | 90.4448% | 832 |
| Equity capital to assets | 9.3895% | 4,643 |
| Core capital (leverage) ratio | 9.6959% | 4,002 |
| Tier 1 risk-based capital ratio | 13.4838% | 4,697 |
| Total risk-based capital ratio | 14.7241% | 4,646 |
| Memoranda: | ||
| Average total assets | $150,855,000 | 3,692 |
| Average earning assets | $136,100,500 | 3,729 |
| Average equity | $14,076,000 | 4,031 |
| Average total loans | $106,397,500 | 3,333 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 450 |
| Cost of funding earning assets | 0.4756% | 3,860 |
| Net interest margin | 4.9108% | 352 |
| Noninterest income to average assets | 0.5339% | 3,532 |
| Noninterest expense to average assets | 3.4727% | 1,718 |
| Loan and lease loss provision to assets | 0.5690% | 455 |
| Net operating income to assets | 0.9575% | 2,528 |
| Return on assets (ROA) | 0.9575% | 2,595 |
| Pretax return on assets | 0.9575% | 3,526 |
| Return on Equity (ROE) | 10.5798% | 1,900 |
| Retained earnings to average equity (ytd only) | 4.6168% | 2,874 |
| Net charge-offs to loans | 0.8652% | 711 |
| Credit loss provision to net charge-offs | 97.0620% | 2,568 |
| Earnings coverage of net charge-offs (x) | 2.6039% | 4,131 |
| Efficiency ratio | 69.4654% | 3,926 |
| Assets per employee ($millions) | 2.6775% | 6,245 |
| Cash dividends to net income (ytd only)* | 56.3624% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 3,844 |
| Loan loss allowance to noncurrent loans | 162.8959% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 2,860 |
| Noncurrent loans to loans | 0.8347% | 3,893 |
| Net loans and leases to total assets | 68.4533% | 2,272 |
| Net loans and leases to deposits | 75.5784% | 3,013 |
| Net loans and leases to core deposits | 78.0265% | 3,361 |
| Total domestic deposits to total assets | 90.5725% | 772 |
| Equity capital to assets | 9.2735% | 4,717 |
| Core capital (leverage) ratio | 9.7896% | 3,850 |
| Tier 1 risk-based capital ratio | 13.7136% | 4,511 |
| Total risk-based capital ratio | 14.9648% | 4,455 |
| Memoranda: | ||
| Average total assets | $156,766,600 | 3,606 |
| Average earning assets | $142,543,800 | 3,623 |
| Average equity | $14,187,400 | 4,029 |
| Average total loans | $106,217,600 | 3,320 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 515 |
| Cost of funding earning assets | 0.4974% | 3,791 |
| Net interest margin | 4.8183% | 413 |
| Noninterest income to average assets | 0.5914% | 3,205 |
| Noninterest expense to average assets | 3.3594% | 1,919 |
| Loan and lease loss provision to assets | 0.6354% | 364 |
| Net operating income to assets | 0.9835% | 2,450 |
| Return on assets (ROA) | 0.9835% | 2,549 |
| Pretax return on assets | 0.9835% | 3,569 |
| Return on Equity (ROE) | 10.9324% | 1,842 |
| Retained earnings to average equity (ytd only) | 3.4187% | 4,250 |
| Net charge-offs to loans | 1.1139% | 507 |
| Credit loss provision to net charge-offs | 84.6847% | 2,734 |
| Earnings coverage of net charge-offs (x) | 2.1577% | 4,119 |
| Efficiency ratio | 67.4813% | 4,191 |
| Assets per employee ($millions) | 2.6364% | 6,346 |
| Cash dividends to net income (ytd only)* | 68.7286% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 4,677 |
| Loan loss allowance to noncurrent loans | 141.2951% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 2,742 |
| Noncurrent loans to loans | 0.8802% | 4,058 |
| Net loans and leases to total assets | 69.1166% | 2,117 |
| Net loans and leases to deposits | 76.3892% | 2,894 |
| Net loans and leases to core deposits | 79.9215% | 3,143 |
| Total domestic deposits to total assets | 90.4796% | 748 |
| Equity capital to assets | 9.1934% | 4,944 |
| Core capital (leverage) ratio | 9.3383% | 4,635 |
| Tier 1 risk-based capital ratio | 13.4950% | 4,762 |
| Total risk-based capital ratio | 14.7296% | 4,722 |
| Memoranda: | ||
| Average total assets | $157,803,750 | 3,629 |
| Average earning assets | $143,672,250 | 3,641 |
| Average equity | $14,196,000 | 4,078 |
| Average total loans | $106,294,000 | 3,341 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 601 |
| Cost of funding earning assets | 0.5150% | 3,754 |
| Net interest margin | 4.7145% | 494 |
| Noninterest income to average assets | 0.6761% | 2,761 |
| Noninterest expense to average assets | 3.2741% | 2,144 |
| Loan and lease loss provision to assets | 0.6611% | 368 |
| Net operating income to assets | 1.0362% | 2,174 |
| Return on assets (ROA) | 1.0362% | 2,291 |
| Pretax return on assets | 1.0362% | 3,346 |
| Return on Equity (ROE) | 11.5995% | 1,600 |
| Retained earnings to average equity (ytd only) | 3.5950% | 4,029 |
| Net charge-offs to loans | 1.1089% | 537 |
| Credit loss provision to net charge-offs | 89.6259% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.3010% | 3,758 |
| Efficiency ratio | 65.8592% | 4,574 |
| Assets per employee ($millions) | 2.7918% | 6,176 |
| Cash dividends to net income (ytd only)* | 69.0073% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,563 |
| Loan loss allowance to noncurrent loans | 135.5834% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5428% | 2,794 |
| Noncurrent loans to loans | 0.9504% | 4,030 |
| Net loans and leases to total assets | 67.6813% | 2,309 |
| Net loans and leases to deposits | 74.4364% | 3,082 |
| Net loans and leases to core deposits | 77.3582% | 3,375 |
| Total domestic deposits to total assets | 90.9251% | 573 |
| Equity capital to assets | 8.8104% | 5,434 |
| Core capital (leverage) ratio | 9.0160% | 4,955 |
| Tier 1 risk-based capital ratio | 13.1625% | 5,025 |
| Total risk-based capital ratio | 14.4049% | 4,968 |
| Memoranda: | ||
| Average total assets | $159,433,670 | 3,623 |
| Average earning assets | $145,254,000 | 3,643 |
| Average equity | $14,242,000 | 4,101 |
| Average total loans | $106,052,000 | 3,352 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 740 |
| Cost of funding earning assets | 0.5364% | 3,713 |
| Net interest margin | 4.5624% | 604 |
| Noninterest income to average assets | 0.6216% | 3,020 |
| Noninterest expense to average assets | 3.2509% | 2,201 |
| Loan and lease loss provision to assets | 0.6768% | 349 |
| Net operating income to assets | 0.8723% | 2,790 |
| Return on assets (ROA) | 0.8723% | 2,941 |
| Pretax return on assets | 0.8723% | 3,864 |
| Return on Equity (ROE) | 9.6983% | 2,194 |
| Retained earnings to average equity (ytd only) | -1.0869% | 5,964 |
| Net charge-offs to loans | 0.6620% | 921 |
| Credit loss provision to net charge-offs | 156.0694% | 1,325 |
| Earnings coverage of net charge-offs (x) | 3.5723% | 2,736 |
| Efficiency ratio | 67.7285% | 4,362 |
| Assets per employee ($millions) | 2.8821% | 6,171 |
| Cash dividends to net income (ytd only)* | 111.2069% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 3,928 |
| Loan loss allowance to noncurrent loans | 179.7701% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.4932% | 3,020 |
| Noncurrent loans to loans | 0.8184% | 4,485 |
| Net loans and leases to total assets | 63.7588% | 2,759 |
| Net loans and leases to deposits | 70.3913% | 3,410 |
| Net loans and leases to core deposits | 73.0716% | 3,696 |
| Total domestic deposits to total assets | 90.5777% | 727 |
| Equity capital to assets | 8.7138% | 5,799 |
| Core capital (leverage) ratio | 8.8667% | 5,098 |
| Tier 1 risk-based capital ratio | 12.9835% | 5,231 |
| Total risk-based capital ratio | 14.1693% | 5,236 |
| Memoranda: | ||
| Average total assets | $159,585,000 | 3,655 |
| Average earning assets | $146,151,000 | 3,662 |
| Average equity | $14,353,000 | 4,127 |
| Average total loans | $104,524,000 | 3,407 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5441% | 570 |
| Cost of funding earning assets | 0.7919% | 2,733 |
| Net interest margin | 4.7522% | 593 |
| Noninterest income to average assets | 0.4150% | 4,495 |
| Noninterest expense to average assets | 3.4288% | 1,992 |
| Loan and lease loss provision to assets | 0.5985% | 922 |
| Net operating income to assets | 0.7455% | 3,534 |
| Return on assets (ROA) | 0.7468% | 3,768 |
| Pretax return on assets | 0.7468% | 4,487 |
| Return on Equity (ROE) | 8.1063% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.5649% | 1,303 |
| Net charge-offs to loans | 1.1809% | 859 |
| Credit loss provision to net charge-offs | 73.5895% | 4,051 |
| Earnings coverage of net charge-offs (x) | 1.6525% | 4,613 |
| Efficiency ratio | 71.8406% | 3,447 |
| Assets per employee ($millions) | 2.7659% | 6,347 |
| Cash dividends to net income (ytd only)* | 6.6785% | 4,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 4,025 |
| Loan loss allowance to noncurrent loans | 65.5496% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.3875% | 2,052 |
| Noncurrent loans to loans | 2.1783% | 2,489 |
| Net loans and leases to total assets | 65.3845% | 2,637 |
| Net loans and leases to deposits | 72.2782% | 3,360 |
| Net loans and leases to core deposits | 74.5117% | 3,719 |
| Total domestic deposits to total assets | 90.4623% | 723 |
| Equity capital to assets | 9.2911% | 5,168 |
| Core capital (leverage) ratio | 9.2097% | 4,565 |
| Tier 1 risk-based capital ratio | 13.8078% | 4,531 |
| Total risk-based capital ratio | 15.0586% | 4,480 |
| Memoranda: | ||
| Average total assets | $150,373,200 | 3,768 |
| Average earning assets | $137,894,200 | 3,758 |
| Average equity | $13,853,400 | 4,192 |
| Average total loans | $103,564,400 | 3,446 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 498 |
| Cost of funding earning assets | 0.8371% | 2,651 |
| Net interest margin | 4.8283% | 540 |
| Noninterest income to average assets | 0.4208% | 4,477 |
| Noninterest expense to average assets | 3.4377% | 1,905 |
| Loan and lease loss provision to assets | 0.6736% | 769 |
| Net operating income to assets | 0.7201% | 3,829 |
| Return on assets (ROA) | 0.7218% | 4,063 |
| Pretax return on assets | 0.7218% | 4,788 |
| Return on Equity (ROE) | 7.8527% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.1238% | 2,049 |
| Net charge-offs to loans | 1.3928% | 649 |
| Credit loss provision to net charge-offs | 69.5572% | 3,917 |
| Earnings coverage of net charge-offs (x) | 1.4391% | 4,570 |
| Efficiency ratio | 71.1538% | 3,478 |
| Assets per employee ($millions) | 2.7055% | 6,481 |
| Cash dividends to net income (ytd only)* | 9.2824% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,200 |
| Loan loss allowance to noncurrent loans | 147.6239% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4329% | 3,457 |
| Noncurrent loans to loans | 0.9746% | 4,491 |
| Net loans and leases to total assets | 66.0154% | 2,648 |
| Net loans and leases to deposits | 73.0144% | 3,446 |
| Net loans and leases to core deposits | 75.6160% | 3,774 |
| Total domestic deposits to total assets | 90.4143% | 626 |
| Equity capital to assets | 9.2808% | 5,493 |
| Core capital (leverage) ratio | 9.1827% | 4,792 |
| Tier 1 risk-based capital ratio | 13.8311% | 4,670 |
| Total risk-based capital ratio | 15.0836% | 4,625 |
| Memoranda: | ||
| Average total assets | $149,244,000 | 3,831 |
| Average earning assets | $136,332,000 | 3,822 |
| Average equity | $13,719,000 | 4,259 |
| Average total loans | $103,770,250 | 3,465 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7715% | 421 |
| Cost of funding earning assets | 0.8883% | 2,500 |
| Net interest margin | 4.8832% | 486 |
| Noninterest income to average assets | 0.5361% | 3,675 |
| Noninterest expense to average assets | 3.3942% | 2,041 |
| Loan and lease loss provision to assets | 0.8539% | 569 |
| Net operating income to assets | 0.7381% | 3,662 |
| Return on assets (ROA) | 0.7408% | 3,921 |
| Pretax return on assets | 0.7408% | 4,702 |
| Return on Equity (ROE) | 8.0853% | 3,223 |
| Retained earnings to average equity (ytd only) | 6.9827% | 2,113 |
| Net charge-offs to loans | 1.5861% | 597 |
| Credit loss provision to net charge-offs | 76.4777% | 3,418 |
| Earnings coverage of net charge-offs (x) | 1.4258% | 4,290 |
| Efficiency ratio | 68.0713% | 4,109 |
| Assets per employee ($millions) | 2.7037% | 6,526 |
| Cash dividends to net income (ytd only)* | 13.6364% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,714 |
| Loan loss allowance to noncurrent loans | 116.3384% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 2,808 |
| Noncurrent loans to loans | 1.3473% | 3,906 |
| Net loans and leases to total assets | 67.3573% | 2,395 |
| Net loans and leases to deposits | 74.3915% | 3,228 |
| Net loans and leases to core deposits | 77.2130% | 3,627 |
| Total domestic deposits to total assets | 90.5443% | 638 |
| Equity capital to assets | 9.2822% | 5,348 |
| Core capital (leverage) ratio | 9.0902% | 4,774 |
| Tier 1 risk-based capital ratio | 13.4824% | 4,839 |
| Total risk-based capital ratio | 14.7374% | 4,790 |
| Memoranda: | ||
| Average total assets | $148,489,670 | 3,865 |
| Average earning assets | $135,320,670 | 3,861 |
| Average equity | $13,605,000 | 4,274 |
| Average total loans | $104,534,330 | 3,465 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8438% | 397 |
| Cost of funding earning assets | 0.9587% | 2,240 |
| Net interest margin | 4.8851% | 482 |
| Noninterest income to average assets | 0.5445% | 3,596 |
| Noninterest expense to average assets | 3.4452% | 1,897 |
| Loan and lease loss provision to assets | 0.6038% | 946 |
| Net operating income to assets | 0.9597% | 2,642 |
| Return on assets (ROA) | 0.9597% | 2,845 |
| Pretax return on assets | 0.9597% | 3,835 |
| Return on Equity (ROE) | 10.5435% | 2,215 |
| Retained earnings to average equity (ytd only) | 8.3222% | 1,851 |
| Net charge-offs to loans | 1.2273% | 830 |
| Credit loss provision to net charge-offs | 68.9231% | 2,939 |
| Earnings coverage of net charge-offs (x) | 1.7846% | 3,447 |
| Efficiency ratio | 68.7836% | 4,018 |
| Assets per employee ($millions) | 2.7074% | 6,630 |
| Cash dividends to net income (ytd only)* | 21.0674% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 3,617 |
| Loan loss allowance to noncurrent loans | 150.9383% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.9442% | 2,979 |
| Noncurrent loans to loans | 1.0783% | 4,541 |
| Net loans and leases to total assets | 68.5558% | 2,015 |
| Net loans and leases to deposits | 75.6098% | 2,860 |
| Net loans and leases to core deposits | 78.3127% | 3,284 |
| Total domestic deposits to total assets | 90.6706% | 706 |
| Equity capital to assets | 9.1367% | 5,314 |
| Core capital (leverage) ratio | 8.7952% | 5,137 |
| Tier 1 risk-based capital ratio | 13.0952% | 5,135 |
| Total risk-based capital ratio | 14.3503% | 5,101 |
| Memoranda: | ||
| Average total assets | $148,382,500 | 3,902 |
| Average earning assets | $135,596,500 | 3,892 |
| Average equity | $13,506,000 | 4,301 |
| Average total loans | $105,922,500 | 3,460 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1602% | 332 |
| Cost of funding earning assets | 1.3279% | 1,350 |
| Net interest margin | 4.8324% | 583 |
| Noninterest income to average assets | 0.4596% | 4,146 |
| Noninterest expense to average assets | 3.5581% | 1,838 |
| Loan and lease loss provision to assets | 1.3205% | 614 |
| Net operating income to assets | -0.0060% | 6,048 |
| Return on assets (ROA) | 0.1166% | 5,950 |
| Pretax return on assets | 0.1166% | 5,940 |
| Return on Equity (ROE) | 1.2976% | 5,893 |
| Retained earnings to average equity (ytd only) | -1.0292% | 6,008 |
| Net charge-offs to loans | 1.6408% | 954 |
| Credit loss provision to net charge-offs | 108.3562% | 3,112 |
| Earnings coverage of net charge-offs (x) | 1.0786% | 4,976 |
| Efficiency ratio | 73.0235% | 3,388 |
| Assets per employee ($millions) | 2.6884% | 6,620 |
| Cash dividends to net income (ytd only)* | 179.3103% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,352 |
| Loan loss allowance to noncurrent loans | 144.1224% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 2.1236% | 2,822 |
| Noncurrent loans to loans | 1.1492% | 4,448 |
| Net loans and leases to total assets | 71.8808% | 1,667 |
| Net loans and leases to deposits | 79.2382% | 2,651 |
| Net loans and leases to core deposits | 81.9263% | 3,187 |
| Total domestic deposits to total assets | 90.7149% | 622 |
| Equity capital to assets | 9.0674% | 5,471 |
| Core capital (leverage) ratio | 8.7801% | 5,137 |
| Tier 1 risk-based capital ratio | 12.6407% | 5,338 |
| Total risk-based capital ratio | 13.8879% | 5,330 |
| Memoranda: | ||
| Average total assets | $149,264,000 | 3,818 |
| Average earning assets | $136,310,400 | 3,814 |
| Average equity | $13,409,000 | 4,259 |
| Average total loans | $110,859,600 | 3,360 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2140% | 317 |
| Cost of funding earning assets | 1.4008% | 1,227 |
| Net interest margin | 4.8132% | 609 |
| Noninterest income to average assets | 0.3966% | 4,692 |
| Noninterest expense to average assets | 3.6003% | 1,708 |
| Loan and lease loss provision to assets | 1.2200% | 634 |
| Net operating income to assets | -0.0205% | 6,179 |
| Return on assets (ROA) | 0.1426% | 5,980 |
| Pretax return on assets | 0.1426% | 6,018 |
| Return on Equity (ROE) | 1.5909% | 5,909 |
| Retained earnings to average equity (ytd only) | -1.5113% | 6,229 |
| Net charge-offs to loans | 1.4342% | 1,030 |
| Credit loss provision to net charge-offs | 114.0833% | 2,866 |
| Earnings coverage of net charge-offs (x) | 1.1217% | 4,787 |
| Efficiency ratio | 75.0093% | 3,002 |
| Assets per employee ($millions) | 2.6727% | 6,692 |
| Cash dividends to net income (ytd only)* | 194.9984% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 3,419 |
| Loan loss allowance to noncurrent loans | 127.5229% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.7171% | 3,520 |
| Noncurrent loans to loans | 1.3007% | 4,367 |
| Net loans and leases to total assets | 71.5781% | 1,802 |
| Net loans and leases to deposits | 78.7884% | 2,845 |
| Net loans and leases to core deposits | 81.8425% | 3,350 |
| Total domestic deposits to total assets | 90.8485% | 492 |
| Equity capital to assets | 8.9590% | 5,798 |
| Core capital (leverage) ratio | 8.6186% | 5,522 |
| Tier 1 risk-based capital ratio | 12.7114% | 5,320 |
| Total risk-based capital ratio | 13.9764% | 5,289 |
| Memoranda: | ||
| Average total assets | $149,615,000 | 3,830 |
| Average earning assets | $136,870,000 | 3,820 |
| Average equity | $13,409,500 | 4,266 |
| Average total loans | $111,556,250 | 3,377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2678% | 289 |
| Cost of funding earning assets | 1.4690% | 1,121 |
| Net interest margin | 4.7988% | 603 |
| Noninterest income to average assets | 0.5013% | 3,848 |
| Noninterest expense to average assets | 3.5308% | 1,910 |
| Loan and lease loss provision to assets | 0.7928% | 1,164 |
| Net operating income to assets | 0.5669% | 4,228 |
| Return on assets (ROA) | 0.5722% | 4,330 |
| Pretax return on assets | 0.5722% | 4,840 |
| Return on Equity (ROE) | 6.3835% | 3,752 |
| Retained earnings to average equity (ytd only) | 1.7301% | 5,130 |
| Net charge-offs to loans | 1.1883% | 1,320 |
| Credit loss provision to net charge-offs | 88.7725% | 3,493 |
| Earnings coverage of net charge-offs (x) | 1.5225% | 4,153 |
| Efficiency ratio | 72.1979% | 3,694 |
| Assets per employee ($millions) | 2.6874% | 6,656 |
| Cash dividends to net income (ytd only)* | 72.8972% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 4,464 |
| Loan loss allowance to noncurrent loans | 127.8005% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6738% | 3,669 |
| Noncurrent loans to loans | 1.1143% | 4,806 |
| Net loans and leases to total assets | 71.8925% | 1,804 |
| Net loans and leases to deposits | 79.2552% | 2,932 |
| Net loans and leases to core deposits | 82.2464% | 3,464 |
| Total domestic deposits to total assets | 90.7101% | 632 |
| Equity capital to assets | 9.0972% | 5,442 |
| Core capital (leverage) ratio | 8.7578% | 5,121 |
| Tier 1 risk-based capital ratio | 12.8905% | 5,006 |
| Total risk-based capital ratio | 14.1505% | 4,972 |
| Memoranda: | ||
| Average total assets | $149,596,670 | 3,854 |
| Average earning assets | $136,825,670 | 3,840 |
| Average equity | $13,409,670 | 4,251 |
| Average total loans | $112,429,000 | 3,403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2485% | 310 |
| Cost of funding earning assets | 1.5475% | 986 |
| Net interest margin | 4.7011% | 698 |
| Noninterest income to average assets | 0.5686% | 3,378 |
| Noninterest expense to average assets | 3.4168% | 2,232 |
| Loan and lease loss provision to assets | 0.5713% | 1,512 |
| Net operating income to assets | 0.8824% | 2,652 |
| Return on assets (ROA) | 0.8931% | 2,658 |
| Pretax return on assets | 0.8931% | 3,520 |
| Return on Equity (ROE) | 10.0384% | 2,079 |
| Retained earnings to average equity (ytd only) | 3.1050% | 4,305 |
| Net charge-offs to loans | 0.8790% | 1,503 |
| Credit loss provision to net charge-offs | 85.2000% | 3,035 |
| Earnings coverage of net charge-offs (x) | 2.1680% | 3,224 |
| Efficiency ratio | 70.1542% | 4,227 |
| Assets per employee ($millions) | 2.5654% | 6,888 |
| Cash dividends to net income (ytd only)* | 69.0691% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 4,527 |
| Loan loss allowance to noncurrent loans | 89.8933% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 2.0527% | 3,256 |
| Noncurrent loans to loans | 1.5897% | 4,099 |
| Net loans and leases to total assets | 72.9593% | 1,520 |
| Net loans and leases to deposits | 80.1725% | 2,690 |
| Net loans and leases to core deposits | 83.1604% | 3,288 |
| Total domestic deposits to total assets | 91.0030% | 627 |
| Equity capital to assets | 8.8087% | 5,477 |
| Core capital (leverage) ratio | 8.8227% | 4,894 |
| Tier 1 risk-based capital ratio | 12.5862% | 5,183 |
| Total risk-based capital ratio | 13.8385% | 5,157 |
| Memoranda: | ||
| Average total assets | $149,146,500 | 3,892 |
| Average earning assets | $136,480,000 | 3,887 |
| Average equity | $13,269,000 | 4,277 |
| Average total loans | $113,764,000 | 3,394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6807% | 239 |
| Cost of funding earning assets | 1.9349% | 754 |
| Net interest margin | 4.7458% | 740 |
| Noninterest income to average assets | 0.6699% | 3,020 |
| Noninterest expense to average assets | 3.6787% | 1,753 |
| Loan and lease loss provision to assets | 0.6489% | 2,547 |
| Net operating income to assets | 0.6929% | 3,258 |
| Return on assets (ROA) | 0.6983% | 3,363 |
| Pretax return on assets | 0.6983% | 3,983 |
| Return on Equity (ROE) | 7.8164% | 2,771 |
| Retained earnings to average equity (ytd only) | 1.6117% | 4,713 |
| Net charge-offs to loans | 0.6384% | 3,104 |
| Credit loss provision to net charge-offs | 131.5068% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.7192% | 3,722 |
| Efficiency ratio | 73.2732% | 3,537 |
| Assets per employee ($millions) | 2.5778% | 6,887 |
| Cash dividends to net income (ytd only)* | 79.3804% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 4,431 |
| Loan loss allowance to noncurrent loans | 84.3460% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 2.1847% | 3,115 |
| Noncurrent loans to loans | 1.6815% | 3,976 |
| Net loans and leases to total assets | 77.4896% | 1,018 |
| Net loans and leases to deposits | 85.3334% | 2,219 |
| Net loans and leases to core deposits | 88.2647% | 3,016 |
| Total domestic deposits to total assets | 90.8080% | 689 |
| Equity capital to assets | 8.9872% | 5,161 |
| Core capital (leverage) ratio | 8.8545% | 4,771 |
| Tier 1 risk-based capital ratio | 12.4446% | 5,069 |
| Total risk-based capital ratio | 13.6980% | 5,051 |
| Memoranda: | ||
| Average total assets | $147,934,200 | 3,911 |
| Average earning assets | $135,614,400 | 3,902 |
| Average equity | $13,215,800 | 4,324 |
| Average total loans | $114,340,000 | 3,445 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7045% | 240 |
| Cost of funding earning assets | 1.9916% | 772 |
| Net interest margin | 4.7129% | 821 |
| Noninterest income to average assets | 0.7477% | 2,522 |
| Noninterest expense to average assets | 3.5252% | 1,977 |
| Loan and lease loss provision to assets | 0.5713% | 2,650 |
| Net operating income to assets | 0.9690% | 2,339 |
| Return on assets (ROA) | 0.9762% | 2,431 |
| Pretax return on assets | 0.9762% | 3,268 |
| Return on Equity (ROE) | 10.9440% | 1,802 |
| Retained earnings to average equity (ytd only) | 2.6729% | 4,549 |
| Net charge-offs to loans | 0.6395% | 2,830 |
| Credit loss provision to net charge-offs | 116.0878% | 3,592 |
| Earnings coverage of net charge-offs (x) | 3.1298% | 3,576 |
| Efficiency ratio | 69.5915% | 4,155 |
| Assets per employee ($millions) | 2.6482% | 6,850 |
| Cash dividends to net income (ytd only)* | 75.5763% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,954 |
| Loan loss allowance to noncurrent loans | 119.8718% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.6980% | 3,899 |
| Noncurrent loans to loans | 1.0859% | 5,067 |
| Net loans and leases to total assets | 75.1466% | 1,562 |
| Net loans and leases to deposits | 82.9215% | 2,924 |
| Net loans and leases to core deposits | 86.0204% | 3,652 |
| Total domestic deposits to total assets | 90.6237% | 583 |
| Equity capital to assets | 9.0742% | 5,481 |
| Core capital (leverage) ratio | 8.9843% | 4,722 |
| Tier 1 risk-based capital ratio | 12.3485% | 5,118 |
| Total risk-based capital ratio | 13.5995% | 5,096 |
| Memoranda: | ||
| Average total assets | $148,184,750 | 3,954 |
| Average earning assets | $135,766,000 | 3,951 |
| Average equity | $13,218,500 | 4,391 |
| Average total loans | $114,051,250 | 3,499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7785% | 213 |
| Cost of funding earning assets | 2.0271% | 834 |
| Net interest margin | 4.7514% | 724 |
| Noninterest income to average assets | 0.7714% | 2,276 |
| Noninterest expense to average assets | 3.6139% | 1,746 |
| Loan and lease loss provision to assets | 0.5093% | 2,760 |
| Net operating income to assets | 1.0254% | 2,099 |
| Return on assets (ROA) | 1.0335% | 2,148 |
| Pretax return on assets | 1.0335% | 2,995 |
| Return on Equity (ROE) | 11.6548% | 1,540 |
| Retained earnings to average equity (ytd only) | 0.6739% | 5,491 |
| Net charge-offs to loans | 0.5538% | 2,870 |
| Credit loss provision to net charge-offs | 119.0476% | 3,416 |
| Earnings coverage of net charge-offs (x) | 3.5873% | 3,255 |
| Efficiency ratio | 70.1926% | 4,156 |
| Assets per employee ($millions) | 2.5331% | 7,055 |
| Cash dividends to net income (ytd only)* | 94.2181% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,036 |
| Loan loss allowance to noncurrent loans | 520.5674% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 5,208 |
| Noncurrent loans to loans | 0.2458% | 6,740 |
| Net loans and leases to total assets | 77.0925% | 1,278 |
| Net loans and leases to deposits | 86.2111% | 2,477 |
| Net loans and leases to core deposits | 98.6380% | 2,163 |
| Total domestic deposits to total assets | 89.4229% | 1,215 |
| Equity capital to assets | 9.0940% | 5,303 |
| Core capital (leverage) ratio | 8.8803% | 4,789 |
| Tier 1 risk-based capital ratio | 12.3663% | 4,978 |
| Total risk-based capital ratio | 13.6196% | 4,956 |
| Memoranda: | ||
| Average total assets | $147,264,670 | 4,009 |
| Average earning assets | $135,664,670 | 3,986 |
| Average equity | $13,059,000 | 4,423 |
| Average total loans | $113,759,670 | 3,544 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6065% | 304 |
| Cost of funding earning assets | 2.0926% | 833 |
| Net interest margin | 4.5139% | 1,110 |
| Noninterest income to average assets | 0.6647% | 2,852 |
| Noninterest expense to average assets | 3.3208% | 2,462 |
| Loan and lease loss provision to assets | 0.5426% | 2,329 |
| Net operating income to assets | 0.9740% | 2,290 |
| Return on assets (ROA) | 0.9740% | 2,351 |
| Pretax return on assets | 0.9740% | 3,193 |
| Return on Equity (ROE) | 11.1249% | 1,747 |
| Retained earnings to average equity (ytd only) | -2.2002% | 6,243 |
| Net charge-offs to loans | 0.5262% | 2,489 |
| Credit loss provision to net charge-offs | 134.2282% | 2,625 |
| Earnings coverage of net charge-offs (x) | 3.7517% | 2,799 |
| Efficiency ratio | 68.6483% | 4,591 |
| Assets per employee ($millions) | 2.4941% | 7,204 |
| Cash dividends to net income (ytd only)* | 119.7772% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 5,041 |
| Loan loss allowance to noncurrent loans | 233.8141% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 4,454 |
| Noncurrent loans to loans | 0.5477% | 6,198 |
| Net loans and leases to total assets | 76.4303% | 1,449 |
| Net loans and leases to deposits | 84.6432% | 2,829 |
| Net loans and leases to core deposits | 84.6432% | 4,114 |
| Total domestic deposits to total assets | 90.2970% | 833 |
| Equity capital to assets | 8.7706% | 5,608 |
| Core capital (leverage) ratio | 8.7469% | 4,944 |
| Tier 1 risk-based capital ratio | 12.2830% | 4,911 |
| Total risk-based capital ratio | 13.5369% | 4,875 |
| Memoranda: | ||
| Average total assets | $147,436,500 | 4,052 |
| Average earning assets | $136,290,500 | 4,032 |
| Average equity | $12,908,000 | 4,497 |
| Average total loans | $113,273,000 | 3,614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9104% | 315 |
| Cost of funding earning assets | 2.5488% | 896 |
| Net interest margin | 4.3616% | 1,540 |
| Noninterest income to average assets | 0.7803% | 2,511 |
| Noninterest expense to average assets | 3.7257% | 1,852 |
| Loan and lease loss provision to assets | 0.3455% | 4,725 |
| Net operating income to assets | 0.7206% | 2,853 |
| Return on assets (ROA) | 0.7887% | 2,665 |
| Pretax return on assets | 0.7887% | 3,287 |
| Return on Equity (ROE) | 8.7318% | 2,108 |
| Retained earnings to average equity (ytd only) | 1.8039% | 3,830 |
| Net charge-offs to loans | 0.3631% | 4,410 |
| Credit loss provision to net charge-offs | 123.3083% | 4,279 |
| Earnings coverage of net charge-offs (x) | 3.8045% | 3,190 |
| Efficiency ratio | 77.7517% | 3,234 |
| Assets per employee ($millions) | 2.5038% | 7,199 |
| Cash dividends to net income (ytd only)* | 79.3411% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,049 |
| Loan loss allowance to noncurrent loans | 207.9764% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2524% | 4,590 |
| Noncurrent loans to loans | 0.6011% | 6,038 |
| Net loans and leases to total assets | 75.2840% | 1,969 |
| Net loans and leases to deposits | 83.3266% | 3,394 |
| Net loans and leases to core deposits | 115.4803% | 2,371 |
| Total domestic deposits to total assets | 90.3481% | 807 |
| Equity capital to assets | 8.7394% | 5,530 |
| Core capital (leverage) ratio | 8.9464% | 4,510 |
| Tier 1 risk-based capital ratio | 12.4010% | 4,593 |
| Total risk-based capital ratio | 13.6553% | 4,555 |
| Memoranda: | ||
| Average total assets | $142,389,600 | 4,070 |
| Average earning assets | $130,961,800 | 4,065 |
| Average equity | $12,861,000 | 4,542 |
| Average total loans | $109,881,400 | 3,696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9739% | 313 |
| Cost of funding earning assets | 2.6303% | 955 |
| Net interest margin | 4.3436% | 1,603 |
| Noninterest income to average assets | 0.8252% | 2,313 |
| Noninterest expense to average assets | 3.6930% | 1,837 |
| Loan and lease loss provision to assets | 0.2552% | 4,911 |
| Net operating income to assets | 0.8620% | 2,568 |
| Return on assets (ROA) | 0.9537% | 2,281 |
| Pretax return on assets | 0.9537% | 3,047 |
| Return on Equity (ROE) | 10.4703% | 1,770 |
| Retained earnings to average equity (ytd only) | 1.2245% | 4,640 |
| Net charge-offs to loans | 0.3333% | 3,965 |
| Credit loss provision to net charge-offs | 98.9011% | 5,172 |
| Earnings coverage of net charge-offs (x) | 4.3297% | 3,173 |
| Efficiency ratio | 76.7734% | 3,364 |
| Assets per employee ($millions) | 2.3929% | 7,388 |
| Cash dividends to net income (ytd only)* | 88.3052% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,193 |
| Loan loss allowance to noncurrent loans | 465.2482% | 677 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 4,742 |
| Noncurrent loans to loans | 0.2546% | 6,877 |
| Net loans and leases to total assets | 76.2215% | 1,952 |
| Net loans and leases to deposits | 84.8106% | 3,520 |
| Net loans and leases to core deposits | 116.5671% | 2,566 |
| Total domestic deposits to total assets | 89.8726% | 820 |
| Equity capital to assets | 9.0025% | 5,475 |
| Core capital (leverage) ratio | 8.9291% | 4,765 |
| Tier 1 risk-based capital ratio | 12.5027% | 4,536 |
| Total risk-based capital ratio | 13.7533% | 4,490 |
| Memoranda: | ||
| Average total assets | $141,056,500 | 4,115 |
| Average earning assets | $129,412,000 | 4,116 |
| Average equity | $12,848,750 | 4,572 |
| Average total loans | $109,197,000 | 3,748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0254% | 303 |
| Cost of funding earning assets | 2.6741% | 1,099 |
| Net interest margin | 4.3513% | 1,518 |
| Noninterest income to average assets | 0.8301% | 2,272 |
| Noninterest expense to average assets | 3.6957% | 1,847 |
| Loan and lease loss provision to assets | 0.2781% | 4,352 |
| Net operating income to assets | 0.8344% | 2,726 |
| Return on assets (ROA) | 0.9086% | 2,526 |
| Pretax return on assets | 0.9086% | 3,307 |
| Return on Equity (ROE) | 9.9350% | 2,041 |
| Retained earnings to average equity (ytd only) | -2.7918% | 5,930 |
| Net charge-offs to loans | 0.3791% | 3,301 |
| Credit loss provision to net charge-offs | 94.6602% | 4,784 |
| Earnings coverage of net charge-offs (x) | 3.7864% | 3,308 |
| Efficiency ratio | 76.8615% | 3,532 |
| Assets per employee ($millions) | 2.4385% | 7,366 |
| Cash dividends to net income (ytd only)* | 128.1005% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,000 |
| Loan loss allowance to noncurrent loans | 938.1295% | 380 |
| Noncurrent assets plus other real estate owned to assets | 1.1228% | 4,708 |
| Noncurrent loans to loans | 0.1271% | 7,197 |
| Net loans and leases to total assets | 76.3782% | 2,088 |
| Net loans and leases to deposits | 84.8785% | 3,741 |
| Net loans and leases to core deposits | 116.2123% | 2,692 |
| Total domestic deposits to total assets | 89.9854% | 836 |
| Equity capital to assets | 8.9145% | 5,431 |
| Core capital (leverage) ratio | 8.9962% | 4,639 |
| Tier 1 risk-based capital ratio | 12.3071% | 4,666 |
| Total risk-based capital ratio | 13.5116% | 4,623 |
| Memoranda: | ||
| Average total assets | $140,218,330 | 4,170 |
| Average earning assets | $128,192,670 | 4,183 |
| Average equity | $12,823,330 | 4,588 |
| Average total loans | $108,681,330 | 3,798 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0286% | 319 |
| Cost of funding earning assets | 2.7386% | 1,142 |
| Net interest margin | 4.2900% | 1,631 |
| Noninterest income to average assets | 0.7793% | 2,431 |
| Noninterest expense to average assets | 3.5441% | 1,991 |
| Loan and lease loss provision to assets | 0.3295% | 3,346 |
| Net operating income to assets | 0.8194% | 3,051 |
| Return on assets (ROA) | 1.0286% | 2,340 |
| Pretax return on assets | 1.0286% | 3,253 |
| Return on Equity (ROE) | 11.1051% | 1,937 |
| Retained earnings to average equity (ytd only) | -7.4550% | 6,849 |
| Net charge-offs to loans | 0.2916% | 2,946 |
| Credit loss provision to net charge-offs | 145.5696% | 2,840 |
| Earnings coverage of net charge-offs (x) | 5.0759% | 2,751 |
| Efficiency ratio | 75.5189% | 3,563 |
| Assets per employee ($millions) | 2.4175% | 7,428 |
| Cash dividends to net income (ytd only)* | 167.1309% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 4,485 |
| Loan loss allowance to noncurrent loans | 785.4651% | 483 |
| Noncurrent assets plus other real estate owned to assets | 1.2930% | 4,096 |
| Noncurrent loans to loans | 0.1586% | 7,074 |
| Net loans and leases to total assets | 76.3987% | 2,188 |
| Net loans and leases to deposits | 85.1840% | 3,778 |
| Net loans and leases to core deposits | 117.9637% | 2,600 |
| Total domestic deposits to total assets | 89.6867% | 940 |
| Equity capital to assets | 9.0667% | 5,275 |
| Core capital (leverage) ratio | 8.9721% | 4,757 |
| Tier 1 risk-based capital ratio | 12.3243% | 4,685 |
| Total risk-based capital ratio | 13.5755% | 4,601 |
| Memoranda: | ||
| Average total assets | $139,611,000 | 4,195 |
| Average earning assets | $127,366,000 | 4,207 |
| Average equity | $12,931,000 | 4,598 |
| Average total loans | $108,358,000 | 3,828 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6459% | 310 |
| Cost of funding earning assets | 3.3123% | 892 |
| Net interest margin | 4.3336% | 1,877 |
| Noninterest income to average assets | 0.6135% | 3,754 |
| Noninterest expense to average assets | 3.3563% | 2,807 |
| Loan and lease loss provision to assets | 0.3086% | 3,901 |
| Net operating income to assets | 0.9228% | 2,905 |
| Return on assets (ROA) | 0.9293% | 2,734 |
| Pretax return on assets | 0.9293% | 3,622 |
| Return on Equity (ROE) | 10.3086% | 2,157 |
| Retained earnings to average equity (ytd only) | 3.3745% | 3,054 |
| Net charge-offs to loans | 0.3187% | 3,264 |
| Credit loss provision to net charge-offs | 126.8657% | 4,213 |
| Earnings coverage of net charge-offs (x) | 5.0627% | 3,765 |
| Efficiency ratio | 73.1603% | 3,722 |
| Assets per employee ($millions) | 2.4387% | 7,330 |
| Cash dividends to net income (ytd only)* | 67.2656% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,422 |
| Loan loss allowance to noncurrent loans | 755.7471% | 601 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 3,984 |
| Noncurrent loans to loans | 0.1608% | 6,924 |
| Net loans and leases to total assets | 76.9224% | 2,397 |
| Net loans and leases to deposits | 87.5689% | 3,856 |
| Net loans and leases to core deposits | 118.9759% | 2,790 |
| Total domestic deposits to total assets | 87.8422% | 1,539 |
| Equity capital to assets | 9.4594% | 4,743 |
| Core capital (leverage) ratio | 9.2548% | 4,363 |
| Tier 1 risk-based capital ratio | 12.5941% | 4,375 |
| Total risk-based capital ratio | 13.8537% | 4,275 |
| Memoranda: | ||
| Average total assets | $137,740,000 | 4,127 |
| Average earning assets | $126,316,400 | 4,122 |
| Average equity | $12,416,800 | 4,725 |
| Average total loans | $105,110,600 | 3,822 |