Home > Coffee County Bank > Performance and Condition Ratios
Coffee County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9438% | 685 |
| Cost of funding earning assets | 1.8509% | 1,160 |
| Net interest margin | 4.0929% | 1,082 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.2304% | 3,043 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.1944% | 341 |
| Return on assets (ROA) | 2.1944% | 331 |
| Pretax return on assets | 2.1360% | 535 |
| Return on Equity (ROE) | 27.5800% | 230 |
| Retained earnings to average equity (ytd only) | 9.3184% | 1,180 |
| Net charge-offs to loans | 0.0027% | 2,693 |
| Credit loss provision to net charge-offs | 3,625.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 964.1250% | 161 |
| Efficiency ratio | 50.1229% | 3,974 |
| Assets per employee ($millions) | 5.2625% | 3,422 |
| Cash dividends to net income (ytd only)* | 66.2077% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 1,949 |
| Loan loss allowance to noncurrent loans | 475.8242% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 2,075 |
| Noncurrent loans to loans | 0.2656% | 2,234 |
| Net loans and leases to total assets | 85.0800% | 203 |
| Net loans and leases to deposits | 103.9670% | 359 |
| Net loans and leases to core deposits | 130.7687% | 389 |
| Total domestic deposits to total assets | 81.8300% | 3,161 |
| Equity capital to assets | 8.1831% | 3,291 |
| Core capital (leverage) ratio | 9.6378% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3602% | 2,469 |
| Memoranda: | ||
| Average total assets | $347,518,000 | 2,202 |
| Average earning assets | $338,000,600 | 2,136 |
| Average equity | $27,655,000 | 2,385 |
| Average total loans | $294,788,800 | 1,811 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8277% | 656 |
| Cost of funding earning assets | 1.7425% | 1,105 |
| Net interest margin | 4.0852% | 1,091 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.2585% | 2,920 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.2006% | 375 |
| Return on assets (ROA) | 2.2006% | 367 |
| Pretax return on assets | 2.1221% | 625 |
| Return on Equity (ROE) | 27.8600% | 276 |
| Retained earnings to average equity (ytd only) | 9.6054% | 1,515 |
| Net charge-offs to loans | 0.0375% | 1,354 |
| Credit loss provision to net charge-offs | 243.9024% | 1,001 |
| Earnings coverage of net charge-offs (x) | 69.3902% | 1,119 |
| Efficiency ratio | 50.6633% | 3,864 |
| Assets per employee ($millions) | 5.6563% | 3,058 |
| Cash dividends to net income (ytd only)* | 65.5191% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,104 |
| Loan loss allowance to noncurrent loans | 872.1963% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,749 |
| Noncurrent loans to loans | 0.1433% | 2,832 |
| Net loans and leases to total assets | 84.0800% | 272 |
| Net loans and leases to deposits | 99.3842% | 545 |
| Net loans and leases to core deposits | 123.8018% | 462 |
| Total domestic deposits to total assets | 84.6000% | 2,622 |
| Equity capital to assets | 7.9021% | 3,114 |
| Core capital (leverage) ratio | 9.7084% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2363% | 2,533 |
| Memoranda: | ||
| Average total assets | $344,935,250 | 2,222 |
| Average earning assets | $335,674,500 | 2,155 |
| Average equity | $27,248,000 | 2,388 |
| Average total loans | $291,396,500 | 1,823 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 652 |
| Cost of funding earning assets | 1.6430% | 977 |
| Net interest margin | 4.0438% | 1,167 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.2728% | 2,884 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.2331% | 338 |
| Return on assets (ROA) | 2.2331% | 331 |
| Pretax return on assets | 2.1148% | 610 |
| Return on Equity (ROE) | 28.2700% | 257 |
| Retained earnings to average equity (ytd only) | 10.4528% | 1,291 |
| Net charge-offs to loans | 0.0083% | 1,899 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 306.0000% | 441 |
| Efficiency ratio | 51.4927% | 3,814 |
| Assets per employee ($millions) | 5.3597% | 3,268 |
| Cash dividends to net income (ytd only)* | 63.0287% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,088 |
| Loan loss allowance to noncurrent loans | 965.0794% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 2,785 |
| Noncurrent loans to loans | 0.1313% | 2,817 |
| Net loans and leases to total assets | 81.6200% | 462 |
| Net loans and leases to deposits | 100.3186% | 500 |
| Net loans and leases to core deposits | 124.9903% | 412 |
| Total domestic deposits to total assets | 81.3600% | 3,364 |
| Equity capital to assets | 7.9829% | 3,228 |
| Core capital (leverage) ratio | 9.5348% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3883% | 2,509 |
| Memoranda: | ||
| Average total assets | $343,016,333 | 2,229 |
| Average earning assets | $333,648,333 | 2,172 |
| Average equity | $27,093,333 | 2,408 |
| Average total loans | $288,996,000 | 1,828 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5403% | 583 |
| Cost of funding earning assets | 1.5282% | 797 |
| Net interest margin | 4.0121% | 1,244 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.3483% | 2,676 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.9346% | 544 |
| Return on assets (ROA) | 1.9346% | 538 |
| Pretax return on assets | 1.8911% | 920 |
| Return on Equity (ROE) | 24.6300% | 421 |
| Retained earnings to average equity (ytd only) | 4.9374% | 3,037 |
| Net charge-offs to loans | 0.0249% | 1,190 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 94.3889% | 815 |
| Efficiency ratio | 54.0438% | 3,598 |
| Assets per employee ($millions) | 5.3223% | 3,390 |
| Cash dividends to net income (ytd only)* | 79.9514% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,179 |
| Loan loss allowance to noncurrent loans | 214.4852% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,026 |
| Noncurrent loans to loans | 0.5925% | 1,256 |
| Net loans and leases to total assets | 84.0800% | 232 |
| Net loans and leases to deposits | 99.8584% | 449 |
| Net loans and leases to core deposits | 121.7220% | 395 |
| Total domestic deposits to total assets | 84.2000% | 3,058 |
| Equity capital to assets | 7.9189% | 3,300 |
| Core capital (leverage) ratio | 9.2830% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1352% | 2,686 |
| Memoranda: | ||
| Average total assets | $340,334,500 | 2,270 |
| Average earning assets | $331,101,500 | 2,206 |
| Average equity | $26,734,500 | 2,446 |
| Average total loans | $289,501,000 | 1,840 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 189 |
| Cost of funding earning assets | 0.6239% | 815 |
| Net interest margin | 4.6854% | 209 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.4986% | 2,116 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 2.5829% | 139 |
| Return on assets (ROA) | 2.5829% | 136 |
| Pretax return on assets | 2.5101% | 209 |
| Return on Equity (ROE) | 29.0100% | 128 |
| Retained earnings to average equity (ytd only) | 11.3528% | 817 |
| Net charge-offs to loans | -0.1169% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.4788% | 4,213 |
| Assets per employee ($millions) | 5.3131% | 3,406 |
| Cash dividends to net income (ytd only)* | 60.8638% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,139 |
| Loan loss allowance to noncurrent loans | 551.9084% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,212 |
| Noncurrent loans to loans | 0.2267% | 2,361 |
| Net loans and leases to total assets | 83.9000% | 262 |
| Net loans and leases to deposits | 100.9580% | 403 |
| Net loans and leases to core deposits | 121.4348% | 343 |
| Total domestic deposits to total assets | 83.1000% | 3,398 |
| Equity capital to assets | 7.7918% | 3,192 |
| Core capital (leverage) ratio | 9.4571% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0593% | 2,719 |
| Memoranda: | ||
| Average total assets | $294,008,800 | 2,480 |
| Average earning assets | $285,610,800 | 2,413 |
| Average equity | $26,178,600 | 2,520 |
| Average total loans | $249,848,800 | 1,944 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 152 |
| Cost of funding earning assets | 0.4382% | 1,046 |
| Net interest margin | 4.8163% | 145 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.5217% | 1,951 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 2.6038% | 139 |
| Return on assets (ROA) | 2.6038% | 136 |
| Pretax return on assets | 2.6038% | 191 |
| Return on Equity (ROE) | 28.1800% | 120 |
| Retained earnings to average equity (ytd only) | 10.6257% | 1,163 |
| Net charge-offs to loans | -0.1599% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.5737% | 4,301 |
| Assets per employee ($millions) | 5.3209% | 3,395 |
| Cash dividends to net income (ytd only)* | 62.2984% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,072 |
| Loan loss allowance to noncurrent loans | 1,021.5517% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 2,892 |
| Noncurrent loans to loans | 0.1264% | 3,007 |
| Net loans and leases to total assets | 83.7100% | 268 |
| Net loans and leases to deposits | 104.5684% | 222 |
| Net loans and leases to core deposits | 117.5392% | 303 |
| Total domestic deposits to total assets | 80.0500% | 4,091 |
| Equity capital to assets | 7.8528% | 2,988 |
| Core capital (leverage) ratio | 9.5769% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9313% | 2,837 |
| Memoranda: | ||
| Average total assets | $282,501,250 | 2,561 |
| Average earning assets | $274,448,500 | 2,486 |
| Average equity | $26,099,500 | 2,563 |
| Average total loans | $240,086,750 | 1,995 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 125 |
| Cost of funding earning assets | 0.3083% | 1,647 |
| Net interest margin | 4.9199% | 111 |
| Noninterest income to average assets | 0.6704% | 1,460 |
| Noninterest expense to average assets | 2.5984% | 1,641 |
| Loan and lease loss provision to assets | 0.1974% | 419 |
| Net operating income to assets | 2.6535% | 95 |
| Return on assets (ROA) | 2.6535% | 91 |
| Pretax return on assets | 2.6535% | 140 |
| Return on Equity (ROE) | 27.0840% | 82 |
| Retained earnings to average equity (ytd only) | 10.0748% | 996 |
| Net charge-offs to loans | -0.2268% | 4,608 |
| Credit loss provision to net charge-offs | -102.3166% | 3,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6828% | 4,360 |
| Assets per employee ($millions) | 4.9302% | 3,735 |
| Cash dividends to net income (ytd only)* | 62.8018% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 1,896 |
| Loan loss allowance to noncurrent loans | 1,036.3636% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,911 |
| Noncurrent loans to loans | 0.1319% | 3,054 |
| Net loans and leases to total assets | 84.8569% | 140 |
| Net loans and leases to deposits | 97.5162% | 362 |
| Net loans and leases to core deposits | 108.6017% | 378 |
| Total domestic deposits to total assets | 87.0183% | 2,934 |
| Equity capital to assets | 8.8597% | 2,486 |
| Core capital (leverage) ratio | 10.1802% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6026% | 2,651 |
| Memoranda: | ||
| Average total assets | $268,477,333 | 2,660 |
| Average earning assets | $260,777,000 | 2,596 |
| Average equity | $26,303,333 | 2,622 |
| Average total loans | $228,364,333 | 2,061 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 124 |
| Cost of funding earning assets | 0.3155% | 1,506 |
| Net interest margin | 4.8446% | 114 |
| Noninterest income to average assets | 0.6110% | 1,649 |
| Noninterest expense to average assets | 2.5187% | 1,840 |
| Loan and lease loss provision to assets | 0.1244% | 668 |
| Net operating income to assets | 2.6711% | 104 |
| Return on assets (ROA) | 2.6711% | 101 |
| Pretax return on assets | 2.6711% | 141 |
| Return on Equity (ROE) | 25.8642% | 86 |
| Retained earnings to average equity (ytd only) | 7.6930% | 1,675 |
| Net charge-offs to loans | -0.4949% | 4,709 |
| Credit loss provision to net charge-offs | -29.7398% | 2,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3961% | 4,437 |
| Assets per employee ($millions) | 4.8068% | 3,916 |
| Cash dividends to net income (ytd only)* | 70.2561% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,796 |
| Loan loss allowance to noncurrent loans | 717.9204% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 2,595 |
| Noncurrent loans to loans | 0.1992% | 2,825 |
| Net loans and leases to total assets | 84.5994% | 73 |
| Net loans and leases to deposits | 94.4953% | 337 |
| Net loans and leases to core deposits | 105.3465% | 362 |
| Total domestic deposits to total assets | 89.5277% | 1,801 |
| Equity capital to assets | 9.9201% | 1,957 |
| Core capital (leverage) ratio | 10.3523% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0523% | 2,587 |
| Memoranda: | ||
| Average total assets | $257,276,500 | 2,739 |
| Average earning assets | $249,760,500 | 2,684 |
| Average equity | $26,569,500 | 2,680 |
| Average total loans | $217,421,000 | 2,116 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 170 |
| Cost of funding earning assets | 0.4468% | 1,227 |
| Net interest margin | 4.8482% | 169 |
| Noninterest income to average assets | 0.6952% | 1,783 |
| Noninterest expense to average assets | 2.4776% | 2,250 |
| Loan and lease loss provision to assets | 0.1088% | 1,158 |
| Net operating income to assets | 2.6148% | 141 |
| Return on assets (ROA) | 2.6148% | 145 |
| Pretax return on assets | 2.8202% | 174 |
| Return on Equity (ROE) | 23.8068% | 149 |
| Retained earnings to average equity (ytd only) | 6.0859% | 2,326 |
| Net charge-offs to loans | -0.0551% | 4,365 |
| Credit loss provision to net charge-offs | -236.3636% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8259% | 4,510 |
| Assets per employee ($millions) | 4.9055% | 3,816 |
| Cash dividends to net income (ytd only)* | 74.4361% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,943 |
| Loan loss allowance to noncurrent loans | 594.6612% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 2,587 |
| Noncurrent loans to loans | 0.2342% | 2,790 |
| Net loans and leases to total assets | 81.9582% | 182 |
| Net loans and leases to deposits | 92.6062% | 436 |
| Net loans and leases to core deposits | 104.0500% | 409 |
| Total domestic deposits to total assets | 88.5019% | 1,790 |
| Equity capital to assets | 10.7575% | 1,966 |
| Core capital (leverage) ratio | 10.6246% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6734% | 2,374 |
| Memoranda: | ||
| Average total assets | $239,061,000 | 2,803 |
| Average earning assets | $232,313,000 | 2,728 |
| Average equity | $26,257,200 | 2,764 |
| Average total loans | $199,673,800 | 2,238 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 210 |
| Cost of funding earning assets | 0.4662% | 1,242 |
| Net interest margin | 4.7703% | 204 |
| Noninterest income to average assets | 0.6286% | 2,105 |
| Noninterest expense to average assets | 2.3486% | 2,597 |
| Loan and lease loss provision to assets | 0.0677% | 1,650 |
| Net operating income to assets | 2.6211% | 189 |
| Return on assets (ROA) | 2.6211% | 192 |
| Pretax return on assets | 2.8491% | 214 |
| Return on Equity (ROE) | 23.7348% | 222 |
| Retained earnings to average equity (ytd only) | 5.8353% | 2,902 |
| Net charge-offs to loans | -0.0567% | 4,408 |
| Credit loss provision to net charge-offs | -142.8571% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6040% | 4,557 |
| Assets per employee ($millions) | 5.6351% | 3,058 |
| Cash dividends to net income (ytd only)* | 75.4144% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,085 |
| Loan loss allowance to noncurrent loans | 267.9097% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 1,813 |
| Noncurrent loans to loans | 0.5168% | 2,010 |
| Net loans and leases to total assets | 78.4287% | 374 |
| Net loans and leases to deposits | 88.9472% | 659 |
| Net loans and leases to core deposits | 96.8861% | 706 |
| Total domestic deposits to total assets | 88.1744% | 1,734 |
| Equity capital to assets | 10.7024% | 2,262 |
| Core capital (leverage) ratio | 10.8278% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0803% | 2,331 |
| Memoranda: | ||
| Average total assets | $236,281,250 | 2,839 |
| Average earning assets | $229,667,500 | 2,768 |
| Average equity | $26,093,250 | 2,810 |
| Average total loans | $197,607,500 | 2,283 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 216 |
| Cost of funding earning assets | 0.4929% | 1,240 |
| Net interest margin | 4.8145% | 218 |
| Noninterest income to average assets | 0.6274% | 2,094 |
| Noninterest expense to average assets | 2.2927% | 2,790 |
| Loan and lease loss provision to assets | 0.1033% | 1,224 |
| Net operating income to assets | 2.6739% | 177 |
| Return on assets (ROA) | 2.6739% | 186 |
| Pretax return on assets | 2.9140% | 208 |
| Return on Equity (ROE) | 23.9500% | 232 |
| Retained earnings to average equity (ytd only) | 6.7988% | 2,502 |
| Net charge-offs to loans | -0.0738% | 4,521 |
| Credit loss provision to net charge-offs | -164.3836% | 3,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1767% | 4,654 |
| Assets per employee ($millions) | 5.1908% | 3,467 |
| Cash dividends to net income (ytd only)* | 71.6125% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,136 |
| Loan loss allowance to noncurrent loans | 239.9823% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 1,729 |
| Noncurrent loans to loans | 0.5681% | 1,978 |
| Net loans and leases to total assets | 84.2194% | 129 |
| Net loans and leases to deposits | 96.1938% | 379 |
| Net loans and leases to core deposits | 107.0857% | 436 |
| Total domestic deposits to total assets | 87.5519% | 2,069 |
| Equity capital to assets | 11.3051% | 1,749 |
| Core capital (leverage) ratio | 10.9763% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6081% | 2,121 |
| Memoranda: | ||
| Average total assets | $232,393,333 | 2,865 |
| Average earning assets | $226,026,667 | 2,784 |
| Average equity | $25,945,667 | 2,814 |
| Average total loans | $197,746,667 | 2,293 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 262 |
| Cost of funding earning assets | 0.5213% | 1,263 |
| Net interest margin | 4.7027% | 267 |
| Noninterest income to average assets | 0.6247% | 2,112 |
| Noninterest expense to average assets | 2.2554% | 2,926 |
| Loan and lease loss provision to assets | 0.1035% | 1,313 |
| Net operating income to assets | 2.5885% | 235 |
| Return on assets (ROA) | 2.5885% | 256 |
| Pretax return on assets | 2.8421% | 285 |
| Return on Equity (ROE) | 23.3327% | 322 |
| Retained earnings to average equity (ytd only) | 6.2220% | 2,822 |
| Net charge-offs to loans | -0.0305% | 4,175 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3643% | 4,607 |
| Assets per employee ($millions) | 5.5612% | 3,056 |
| Cash dividends to net income (ytd only)* | 73.3333% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,425 |
| Loan loss allowance to noncurrent loans | 203.3620% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 1,728 |
| Noncurrent loans to loans | 0.6403% | 1,969 |
| Net loans and leases to total assets | 84.4087% | 134 |
| Net loans and leases to deposits | 96.3193% | 399 |
| Net loans and leases to core deposits | 105.8192% | 520 |
| Total domestic deposits to total assets | 87.6342% | 2,025 |
| Equity capital to assets | 11.0005% | 1,864 |
| Core capital (leverage) ratio | 10.9405% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6233% | 1,695 |
| Memoranda: | ||
| Average total assets | $231,797,500 | 2,849 |
| Average earning assets | $225,570,500 | 2,776 |
| Average equity | $25,715,000 | 2,821 |
| Average total loans | $196,898,500 | 2,302 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 213 |
| Cost of funding earning assets | 0.8391% | 1,061 |
| Net interest margin | 4.5730% | 280 |
| Noninterest income to average assets | 0.5155% | 2,565 |
| Noninterest expense to average assets | 2.2255% | 3,608 |
| Loan and lease loss provision to assets | 0.1254% | 2,791 |
| Net operating income to assets | 2.4045% | 148 |
| Return on assets (ROA) | 2.4182% | 155 |
| Pretax return on assets | 2.6165% | 168 |
| Return on Equity (ROE) | 21.1001% | 185 |
| Retained earnings to average equity (ytd only) | 5.7502% | 1,924 |
| Net charge-offs to loans | 0.0555% | 1,986 |
| Credit loss provision to net charge-offs | 272.7273% | 1,831 |
| Earnings coverage of net charge-offs (x) | 59.3131% | 1,077 |
| Efficiency ratio | 44.9362% | 4,759 |
| Assets per employee ($millions) | 5.2278% | 3,121 |
| Cash dividends to net income (ytd only)* | 72.7482% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,401 |
| Loan loss allowance to noncurrent loans | 194.0092% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 1,860 |
| Noncurrent loans to loans | 0.6710% | 2,004 |
| Net loans and leases to total assets | 83.2591% | 214 |
| Net loans and leases to deposits | 95.6217% | 571 |
| Net loans and leases to core deposits | 105.7767% | 649 |
| Total domestic deposits to total assets | 87.0713% | 1,905 |
| Equity capital to assets | 11.1884% | 2,111 |
| Core capital (leverage) ratio | 10.9771% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9550% | 1,865 |
| Memoranda: | ||
| Average total assets | $215,326,000 | 2,826 |
| Average earning assets | $208,921,000 | 2,753 |
| Average equity | $24,677,600 | 2,828 |
| Average total loans | $178,437,600 | 2,423 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 286 |
| Cost of funding earning assets | 0.9083% | 1,039 |
| Net interest margin | 4.4776% | 400 |
| Noninterest income to average assets | 0.5046% | 2,603 |
| Noninterest expense to average assets | 2.1973% | 3,686 |
| Loan and lease loss provision to assets | 0.1134% | 2,906 |
| Net operating income to assets | 2.3444% | 171 |
| Return on assets (ROA) | 2.3629% | 176 |
| Pretax return on assets | 2.5557% | 193 |
| Return on Equity (ROE) | 20.4858% | 227 |
| Retained earnings to average equity (ytd only) | 5.2594% | 2,447 |
| Net charge-offs to loans | 0.0779% | 1,531 |
| Credit loss provision to net charge-offs | 176.4706% | 2,193 |
| Earnings coverage of net charge-offs (x) | 41.2255% | 1,336 |
| Efficiency ratio | 45.3399% | 4,745 |
| Assets per employee ($millions) | 4.4760% | 3,873 |
| Cash dividends to net income (ytd only)* | 74.3268% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,326 |
| Loan loss allowance to noncurrent loans | 146.6546% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,571 |
| Noncurrent loans to loans | 0.8623% | 1,722 |
| Net loans and leases to total assets | 84.8811% | 214 |
| Net loans and leases to deposits | 98.1006% | 620 |
| Net loans and leases to core deposits | 106.6524% | 824 |
| Total domestic deposits to total assets | 86.5246% | 1,848 |
| Equity capital to assets | 11.3324% | 2,126 |
| Core capital (leverage) ratio | 11.0124% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3681% | 1,403 |
| Memoranda: | ||
| Average total assets | $211,651,750 | 2,835 |
| Average earning assets | $205,221,750 | 2,767 |
| Average equity | $24,413,000 | 2,841 |
| Average total loans | $174,536,750 | 2,449 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3924% | 408 |
| Cost of funding earning assets | 0.9879% | 1,024 |
| Net interest margin | 4.4044% | 610 |
| Noninterest income to average assets | 0.5462% | 2,367 |
| Noninterest expense to average assets | 2.2553% | 3,642 |
| Loan and lease loss provision to assets | 0.1060% | 2,948 |
| Net operating income to assets | 2.2917% | 194 |
| Return on assets (ROA) | 2.3189% | 201 |
| Pretax return on assets | 2.4788% | 226 |
| Return on Equity (ROE) | 19.9779% | 247 |
| Retained earnings to average equity (ytd only) | 3.4777% | 3,189 |
| Net charge-offs to loans | 0.0380% | 1,984 |
| Credit loss provision to net charge-offs | 343.7500% | 1,529 |
| Earnings coverage of net charge-offs (x) | 82.9063% | 786 |
| Efficiency ratio | 46.8763% | 4,681 |
| Assets per employee ($millions) | 4.9115% | 3,287 |
| Cash dividends to net income (ytd only)* | 82.5924% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,712 |
| Loan loss allowance to noncurrent loans | 140.4734% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 1,589 |
| Noncurrent loans to loans | 0.9714% | 1,593 |
| Net loans and leases to total assets | 79.5694% | 640 |
| Net loans and leases to deposits | 90.8373% | 1,279 |
| Net loans and leases to core deposits | 101.4807% | 1,151 |
| Total domestic deposits to total assets | 87.5955% | 1,377 |
| Equity capital to assets | 11.1684% | 2,195 |
| Core capital (leverage) ratio | 11.1869% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0746% | 1,782 |
| Memoranda: | ||
| Average total assets | $207,602,333 | 2,843 |
| Average earning assets | $201,025,000 | 2,771 |
| Average equity | $24,096,667 | 2,848 |
| Average total loans | $168,583,333 | 2,483 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 348 |
| Cost of funding earning assets | 1.1086% | 1,019 |
| Net interest margin | 4.4220% | 599 |
| Noninterest income to average assets | 0.5714% | 2,172 |
| Noninterest expense to average assets | 2.3694% | 3,605 |
| Loan and lease loss provision to assets | 0.0398% | 3,275 |
| Net operating income to assets | 2.2748% | 158 |
| Return on assets (ROA) | 2.3136% | 166 |
| Pretax return on assets | 2.4769% | 172 |
| Return on Equity (ROE) | 19.5270% | 189 |
| Retained earnings to average equity (ytd only) | -1.9493% | 4,246 |
| Net charge-offs to loans | 0.1564% | 827 |
| Credit loss provision to net charge-offs | 31.2500% | 2,151 |
| Earnings coverage of net charge-offs (x) | 19.4219% | 1,436 |
| Efficiency ratio | 48.9108% | 4,715 |
| Assets per employee ($millions) | 4.1367% | 3,740 |
| Cash dividends to net income (ytd only)* | 109.9828% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,663 |
| Loan loss allowance to noncurrent loans | 121.6316% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 1,278 |
| Noncurrent loans to loans | 1.1584% | 1,429 |
| Net loans and leases to total assets | 79.7794% | 722 |
| Net loans and leases to deposits | 91.8161% | 1,305 |
| Net loans and leases to core deposits | 103.3951% | 1,223 |
| Total domestic deposits to total assets | 86.8904% | 1,605 |
| Equity capital to assets | 11.8274% | 2,198 |
| Core capital (leverage) ratio | 11.7855% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6152% | 2,033 |
| Memoranda: | ||
| Average total assets | $200,895,500 | 2,859 |
| Average earning assets | $194,119,500 | 2,790 |
| Average equity | $23,803,000 | 2,863 |
| Average total loans | $163,728,000 | 2,500 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6724% | 421 |
| Cost of funding earning assets | 1.2265% | 955 |
| Net interest margin | 4.4458% | 809 |
| Noninterest income to average assets | 0.6027% | 2,203 |
| Noninterest expense to average assets | 2.3377% | 3,853 |
| Loan and lease loss provision to assets | 0.0536% | 2,958 |
| Net operating income to assets | 2.3606% | 164 |
| Return on assets (ROA) | 2.3729% | 172 |
| Pretax return on assets | 2.5418% | 194 |
| Return on Equity (ROE) | 20.3261% | 201 |
| Retained earnings to average equity (ytd only) | 5.1143% | 2,360 |
| Net charge-offs to loans | 0.0950% | 1,777 |
| Credit loss provision to net charge-offs | 68.1818% | 2,936 |
| Earnings coverage of net charge-offs (x) | 32.8571% | 1,490 |
| Efficiency ratio | 47.5158% | 4,857 |
| Assets per employee ($millions) | 4.4243% | 3,342 |
| Cash dividends to net income (ytd only)* | 74.8387% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,390 |
| Loan loss allowance to noncurrent loans | 108.6255% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.0889% | 1,129 |
| Noncurrent loans to loans | 1.3265% | 1,131 |
| Net loans and leases to total assets | 80.9063% | 679 |
| Net loans and leases to deposits | 93.1372% | 1,242 |
| Net loans and leases to core deposits | 105.6367% | 1,130 |
| Total domestic deposits to total assets | 86.8679% | 1,676 |
| Equity capital to assets | 11.8699% | 2,225 |
| Core capital (leverage) ratio | 11.7472% | 1,925 |
| Tier 1 risk-based capital ratio | 14.2037% | 3,168 |
| Total risk-based capital ratio | 15.4556% | 3,077 |
| Memoranda: | ||
| Average total assets | $195,961,000 | 2,875 |
| Average earning assets | $190,290,200 | 2,799 |
| Average equity | $22,877,000 | 2,876 |
| Average total loans | $162,085,800 | 2,488 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6738% | 434 |
| Cost of funding earning assets | 1.2270% | 958 |
| Net interest margin | 4.4468% | 857 |
| Noninterest income to average assets | 0.5936% | 2,237 |
| Noninterest expense to average assets | 2.3349% | 3,864 |
| Loan and lease loss provision to assets | 0.0546% | 2,821 |
| Net operating income to assets | 2.3573% | 204 |
| Return on assets (ROA) | 2.3738% | 210 |
| Pretax return on assets | 2.5419% | 231 |
| Return on Equity (ROE) | 20.4212% | 226 |
| Retained earnings to average equity (ytd only) | 4.9834% | 2,898 |
| Net charge-offs to loans | 0.0190% | 2,743 |
| Credit loss provision to net charge-offs | 347.8261% | 864 |
| Earnings coverage of net charge-offs (x) | 164.1086% | 508 |
| Efficiency ratio | 47.5184% | 4,878 |
| Assets per employee ($millions) | 4.0429% | 3,845 |
| Cash dividends to net income (ytd only)* | 75.5971% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,261 |
| Loan loss allowance to noncurrent loans | 90.1135% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 850 |
| Noncurrent loans to loans | 1.6585% | 885 |
| Net loans and leases to total assets | 81.8809% | 581 |
| Net loans and leases to deposits | 94.3546% | 1,189 |
| Net loans and leases to core deposits | 107.5066% | 1,082 |
| Total domestic deposits to total assets | 86.7799% | 1,631 |
| Equity capital to assets | 11.7845% | 2,428 |
| Core capital (leverage) ratio | 11.6758% | 2,100 |
| Tier 1 risk-based capital ratio | 14.1599% | 3,249 |
| Total risk-based capital ratio | 15.4130% | 3,151 |
| Memoranda: | ||
| Average total assets | $195,178,250 | 2,905 |
| Average earning assets | $189,616,750 | 2,820 |
| Average equity | $22,688,250 | 2,919 |
| Average total loans | $161,749,000 | 2,519 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 441 |
| Cost of funding earning assets | 1.2040% | 983 |
| Net interest margin | 4.4430% | 867 |
| Noninterest income to average assets | 0.6055% | 2,121 |
| Noninterest expense to average assets | 2.3408% | 3,889 |
| Loan and lease loss provision to assets | 0.0618% | 2,585 |
| Net operating income to assets | 2.3564% | 190 |
| Return on assets (ROA) | 2.3583% | 196 |
| Pretax return on assets | 2.5221% | 230 |
| Return on Equity (ROE) | 20.3833% | 231 |
| Retained earnings to average equity (ytd only) | 4.5840% | 2,986 |
| Net charge-offs to loans | 0.0087% | 2,827 |
| Credit loss provision to net charge-offs | 857.1429% | 394 |
| Earnings coverage of net charge-offs (x) | 358.1429% | 217 |
| Efficiency ratio | 47.5523% | 4,920 |
| Assets per employee ($millions) | 4.1620% | 3,630 |
| Cash dividends to net income (ytd only)* | 77.5109% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,235 |
| Loan loss allowance to noncurrent loans | 100.5319% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 1,046 |
| Noncurrent loans to loans | 1.5047% | 1,028 |
| Net loans and leases to total assets | 81.7784% | 644 |
| Net loans and leases to deposits | 94.9456% | 1,158 |
| Net loans and leases to core deposits | 108.6081% | 1,053 |
| Total domestic deposits to total assets | 86.1319% | 1,965 |
| Equity capital to assets | 11.7251% | 2,412 |
| Core capital (leverage) ratio | 11.7596% | 1,979 |
| Tier 1 risk-based capital ratio | 14.6644% | 2,987 |
| Total risk-based capital ratio | 15.9187% | 2,910 |
| Memoranda: | ||
| Average total assets | $194,204,330 | 2,922 |
| Average earning assets | $188,703,330 | 2,836 |
| Average equity | $22,469,330 | 2,927 |
| Average total loans | $160,776,330 | 2,527 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 417 |
| Cost of funding earning assets | 1.1662% | 998 |
| Net interest margin | 4.4499% | 815 |
| Noninterest income to average assets | 0.5251% | 2,408 |
| Noninterest expense to average assets | 2.3380% | 3,929 |
| Loan and lease loss provision to assets | 0.0620% | 2,415 |
| Net operating income to assets | 2.2886% | 224 |
| Return on assets (ROA) | 2.2925% | 234 |
| Pretax return on assets | 2.4517% | 274 |
| Return on Equity (ROE) | 19.9496% | 269 |
| Retained earnings to average equity (ytd only) | 3.3459% | 3,580 |
| Net charge-offs to loans | 0.0750% | 1,318 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 40.4667% | 1,146 |
| Efficiency ratio | 48.2303% | 4,933 |
| Assets per employee ($millions) | 4.3490% | 3,417 |
| Cash dividends to net income (ytd only)* | 83.2281% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,326 |
| Loan loss allowance to noncurrent loans | 198.6777% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 2,193 |
| Noncurrent loans to loans | 0.7574% | 2,132 |
| Net loans and leases to total assets | 80.4063% | 793 |
| Net loans and leases to deposits | 93.1703% | 1,262 |
| Net loans and leases to core deposits | 105.7562% | 1,189 |
| Total domestic deposits to total assets | 86.3004% | 2,141 |
| Equity capital to assets | 11.4478% | 2,444 |
| Core capital (leverage) ratio | 11.7630% | 1,932 |
| Tier 1 risk-based capital ratio | 14.7251% | 2,988 |
| Total risk-based capital ratio | 15.9789% | 2,927 |
| Memoranda: | ||
| Average total assets | $193,499,500 | 2,963 |
| Average earning assets | $187,957,500 | 2,872 |
| Average equity | $22,236,000 | 2,953 |
| Average total loans | $159,951,000 | 2,562 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6953% | 282 |
| Cost of funding earning assets | 0.9783% | 823 |
| Net interest margin | 4.7170% | 468 |
| Noninterest income to average assets | 0.6162% | 2,210 |
| Noninterest expense to average assets | 2.3475% | 3,996 |
| Loan and lease loss provision to assets | 0.0107% | 3,917 |
| Net operating income to assets | 2.6384% | 118 |
| Return on assets (ROA) | 2.6384% | 118 |
| Pretax return on assets | 2.8233% | 123 |
| Return on Equity (ROE) | 23.0587% | 127 |
| Retained earnings to average equity (ytd only) | 6.4624% | 1,945 |
| Net charge-offs to loans | -0.0410% | 4,909 |
| Credit loss provision to net charge-offs | -31.2500% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3051% | 5,138 |
| Assets per employee ($millions) | 4.1585% | 3,673 |
| Cash dividends to net income (ytd only)* | 71.9740% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,284 |
| Loan loss allowance to noncurrent loans | 130.5812% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 1,403 |
| Noncurrent loans to loans | 1.1496% | 1,396 |
| Net loans and leases to total assets | 82.4568% | 597 |
| Net loans and leases to deposits | 95.8893% | 1,080 |
| Net loans and leases to core deposits | 109.3825% | 1,038 |
| Total domestic deposits to total assets | 85.9916% | 2,233 |
| Equity capital to assets | 11.5362% | 2,231 |
| Core capital (leverage) ratio | 11.7852% | 1,887 |
| Tier 1 risk-based capital ratio | 14.6348% | 2,997 |
| Total risk-based capital ratio | 15.8886% | 2,920 |
| Memoranda: | ||
| Average total assets | $186,625,800 | 2,991 |
| Average earning assets | $180,623,800 | 2,915 |
| Average equity | $21,354,200 | 2,954 |
| Average total loans | $156,158,000 | 2,566 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 265 |
| Cost of funding earning assets | 0.9303% | 803 |
| Net interest margin | 4.7490% | 422 |
| Noninterest income to average assets | 0.5931% | 2,345 |
| Noninterest expense to average assets | 2.3494% | 3,979 |
| Loan and lease loss provision to assets | 0.0144% | 3,719 |
| Net operating income to assets | 2.6356% | 124 |
| Return on assets (ROA) | 2.6356% | 122 |
| Pretax return on assets | 2.8203% | 138 |
| Return on Equity (ROE) | 23.0824% | 127 |
| Retained earnings to average equity (ytd only) | 6.4349% | 2,413 |
| Net charge-offs to loans | -0.0988% | 5,159 |
| Credit loss provision to net charge-offs | -17.3913% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3197% | 5,176 |
| Assets per employee ($millions) | 4.2121% | 3,560 |
| Cash dividends to net income (ytd only)* | 72.1223% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,218 |
| Loan loss allowance to noncurrent loans | 127.2021% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.6619% | 744 |
| Noncurrent loans to loans | 1.2121% | 1,394 |
| Net loans and leases to total assets | 82.7096% | 601 |
| Net loans and leases to deposits | 96.3849% | 1,106 |
| Net loans and leases to core deposits | 110.8486% | 984 |
| Total domestic deposits to total assets | 85.8118% | 2,279 |
| Equity capital to assets | 11.4406% | 2,308 |
| Core capital (leverage) ratio | 11.5944% | 2,090 |
| Tier 1 risk-based capital ratio | 14.2162% | 3,265 |
| Total risk-based capital ratio | 15.4702% | 3,175 |
| Memoranda: | ||
| Average total assets | $185,459,000 | 3,024 |
| Average earning assets | $179,289,000 | 2,954 |
| Average equity | $21,175,750 | 2,986 |
| Average total loans | $155,163,000 | 2,594 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6212% | 265 |
| Cost of funding earning assets | 0.8645% | 856 |
| Net interest margin | 4.7567% | 384 |
| Noninterest income to average assets | 0.5769% | 2,443 |
| Noninterest expense to average assets | 2.3585% | 4,003 |
| Loan and lease loss provision to assets | 0.0109% | 3,639 |
| Net operating income to assets | 2.6269% | 123 |
| Return on assets (ROA) | 2.6269% | 123 |
| Pretax return on assets | 2.8105% | 140 |
| Return on Equity (ROE) | 23.0220% | 128 |
| Retained earnings to average equity (ytd only) | 6.4172% | 2,353 |
| Net charge-offs to loans | -0.1768% | 5,303 |
| Credit loss provision to net charge-offs | -7.3529% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5327% | 5,230 |
| Assets per employee ($millions) | 4.2221% | 3,544 |
| Cash dividends to net income (ytd only)* | 72.1257% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,296 |
| Loan loss allowance to noncurrent loans | 123.4970% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1511% | 1,268 |
| Noncurrent loans to loans | 1.2401% | 1,397 |
| Net loans and leases to total assets | 83.4158% | 529 |
| Net loans and leases to deposits | 97.0514% | 1,034 |
| Net loans and leases to core deposits | 108.7741% | 1,067 |
| Total domestic deposits to total assets | 85.9501% | 2,305 |
| Equity capital to assets | 11.2361% | 2,422 |
| Core capital (leverage) ratio | 11.6460% | 1,948 |
| Tier 1 risk-based capital ratio | 13.7212% | 3,499 |
| Total risk-based capital ratio | 14.9752% | 3,403 |
| Memoranda: | ||
| Average total assets | $184,097,000 | 3,056 |
| Average earning assets | $178,147,670 | 2,979 |
| Average equity | $21,006,000 | 3,017 |
| Average total loans | $153,808,330 | 2,626 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4524% | 303 |
| Cost of funding earning assets | 0.7979% | 962 |
| Net interest margin | 4.6545% | 441 |
| Noninterest income to average assets | 0.6161% | 2,188 |
| Noninterest expense to average assets | 2.4908% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4510% | 159 |
| Return on assets (ROA) | 2.4510% | 161 |
| Pretax return on assets | 2.6211% | 180 |
| Return on Equity (ROE) | 21.3103% | 181 |
| Retained earnings to average equity (ytd only) | 2.5534% | 4,153 |
| Net charge-offs to loans | -0.4606% | 5,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7257% | 5,158 |
| Assets per employee ($millions) | 4.3472% | 3,402 |
| Cash dividends to net income (ytd only)* | 88.0180% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 1,080 |
| Loan loss allowance to noncurrent loans | 137.6588% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 1,476 |
| Noncurrent loans to loans | 1.1895% | 1,535 |
| Net loans and leases to total assets | 82.0219% | 662 |
| Net loans and leases to deposits | 94.6195% | 1,175 |
| Net loans and leases to core deposits | 106.3192% | 1,213 |
| Total domestic deposits to total assets | 86.6861% | 2,243 |
| Equity capital to assets | 11.4178% | 2,202 |
| Core capital (leverage) ratio | 11.7295% | 1,829 |
| Tier 1 risk-based capital ratio | 14.1779% | 3,287 |
| Total risk-based capital ratio | 15.4342% | 3,207 |
| Memoranda: | ||
| Average total assets | $181,148,500 | 3,116 |
| Average earning assets | $174,970,000 | 3,043 |
| Average equity | $20,835,000 | 3,068 |
| Average total loans | $150,237,500 | 2,685 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6106% | 226 |
| Cost of funding earning assets | 0.7727% | 724 |
| Net interest margin | 4.8379% | 323 |
| Noninterest income to average assets | 0.6962% | 1,982 |
| Noninterest expense to average assets | 2.3571% | 4,186 |
| Loan and lease loss provision to assets | 0.2305% | 845 |
| Net operating income to assets | 2.5919% | 108 |
| Return on assets (ROA) | 2.5957% | 108 |
| Pretax return on assets | 2.7743% | 119 |
| Return on Equity (ROE) | 22.5058% | 112 |
| Retained earnings to average equity (ytd only) | 7.8650% | 810 |
| Net charge-offs to loans | 0.1217% | 1,831 |
| Credit loss provision to net charge-offs | 229.8851% | 1,206 |
| Earnings coverage of net charge-offs (x) | 29.9253% | 1,550 |
| Efficiency ratio | 43.9927% | 5,452 |
| Assets per employee ($millions) | 4.4929% | 3,197 |
| Cash dividends to net income (ytd only)* | 65.0533% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,228 |
| Loan loss allowance to noncurrent loans | 125.6091% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4317% | 978 |
| Noncurrent loans to loans | 1.2461% | 1,419 |
| Net loans and leases to total assets | 81.1868% | 802 |
| Net loans and leases to deposits | 94.0618% | 1,267 |
| Net loans and leases to core deposits | 103.6743% | 1,434 |
| Total domestic deposits to total assets | 86.3121% | 2,309 |
| Equity capital to assets | 11.5867% | 2,125 |
| Core capital (leverage) ratio | 11.7571% | 1,755 |
| Tier 1 risk-based capital ratio | 14.8551% | 2,901 |
| Total risk-based capital ratio | 16.1088% | 2,841 |
| Memoranda: | ||
| Average total assets | $173,520,600 | 3,200 |
| Average earning assets | $167,201,400 | 3,113 |
| Average equity | $20,012,600 | 3,145 |
| Average total loans | $142,925,800 | 2,737 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 215 |
| Cost of funding earning assets | 0.7680% | 689 |
| Net interest margin | 4.8487% | 299 |
| Noninterest income to average assets | 0.6885% | 2,047 |
| Noninterest expense to average assets | 2.3368% | 4,194 |
| Loan and lease loss provision to assets | 0.2520% | 688 |
| Net operating income to assets | 2.5928% | 119 |
| Return on assets (ROA) | 2.5965% | 119 |
| Pretax return on assets | 2.7732% | 145 |
| Return on Equity (ROE) | 22.5402% | 120 |
| Retained earnings to average equity (ytd only) | 7.5179% | 1,423 |
| Net charge-offs to loans | 0.1328% | 1,466 |
| Credit loss provision to net charge-offs | 230.4965% | 1,210 |
| Earnings coverage of net charge-offs (x) | 27.6376% | 1,624 |
| Efficiency ratio | 43.6116% | 5,496 |
| Assets per employee ($millions) | 4.9929% | 2,453 |
| Cash dividends to net income (ytd only)* | 66.6469% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 1,362 |
| Loan loss allowance to noncurrent loans | 449.3097% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 1,839 |
| Noncurrent loans to loans | 0.3454% | 3,709 |
| Net loans and leases to total assets | 80.4056% | 924 |
| Net loans and leases to deposits | 93.1620% | 1,404 |
| Net loans and leases to core deposits | 103.1592% | 1,455 |
| Total domestic deposits to total assets | 86.3073% | 2,175 |
| Equity capital to assets | 11.3756% | 2,490 |
| Core capital (leverage) ratio | 11.6280% | 1,929 |
| Tier 1 risk-based capital ratio | 14.7864% | 3,020 |
| Total risk-based capital ratio | 16.0410% | 2,950 |
| Memoranda: | ||
| Average total assets | $171,972,250 | 3,244 |
| Average earning assets | $165,621,250 | 3,157 |
| Average equity | $19,810,000 | 3,186 |
| Average total loans | $141,601,250 | 2,781 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5909% | 216 |
| Cost of funding earning assets | 0.7597% | 655 |
| Net interest margin | 4.8312% | 303 |
| Noninterest income to average assets | 0.6896% | 2,037 |
| Noninterest expense to average assets | 2.3875% | 4,083 |
| Loan and lease loss provision to assets | 0.2362% | 720 |
| Net operating income to assets | 2.5482% | 125 |
| Return on assets (ROA) | 2.5493% | 123 |
| Pretax return on assets | 2.7229% | 153 |
| Return on Equity (ROE) | 22.0332% | 138 |
| Retained earnings to average equity (ytd only) | 6.3681% | 1,925 |
| Net charge-offs to loans | 0.1802% | 1,101 |
| Credit loss provision to net charge-offs | 158.7302% | 1,474 |
| Earnings coverage of net charge-offs (x) | 19.8810% | 1,817 |
| Efficiency ratio | 44.6653% | 5,505 |
| Assets per employee ($millions) | 4.9861% | 2,403 |
| Cash dividends to net income (ytd only)* | 71.0977% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,597 |
| Loan loss allowance to noncurrent loans | 208.4615% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 1,283 |
| Noncurrent loans to loans | 0.7165% | 2,598 |
| Net loans and leases to total assets | 81.9353% | 674 |
| Net loans and leases to deposits | 95.1047% | 1,169 |
| Net loans and leases to core deposits | 105.0533% | 1,290 |
| Total domestic deposits to total assets | 86.1528% | 2,312 |
| Equity capital to assets | 11.4428% | 2,373 |
| Core capital (leverage) ratio | 11.5929% | 1,902 |
| Tier 1 risk-based capital ratio | 14.6022% | 3,112 |
| Total risk-based capital ratio | 15.8552% | 3,029 |
| Memoranda: | ||
| Average total assets | $169,381,330 | 3,287 |
| Average earning assets | $163,229,330 | 3,193 |
| Average equity | $19,597,670 | 3,201 |
| Average total loans | $139,867,330 | 2,810 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 224 |
| Cost of funding earning assets | 0.7473% | 665 |
| Net interest margin | 4.7529% | 338 |
| Noninterest income to average assets | 0.6186% | 2,330 |
| Noninterest expense to average assets | 2.3883% | 4,150 |
| Loan and lease loss provision to assets | 0.1798% | 968 |
| Net operating income to assets | 2.4530% | 148 |
| Return on assets (ROA) | 2.4530% | 149 |
| Pretax return on assets | 2.6256% | 182 |
| Return on Equity (ROE) | 21.0797% | 190 |
| Retained earnings to average equity (ytd only) | 3.8327% | 3,541 |
| Net charge-offs to loans | 0.2565% | 708 |
| Credit loss provision to net charge-offs | 85.2273% | 1,721 |
| Earnings coverage of net charge-offs (x) | 13.2955% | 1,794 |
| Efficiency ratio | 45.9834% | 5,529 |
| Assets per employee ($millions) | 4.8689% | 2,607 |
| Cash dividends to net income (ytd only)* | 81.8182% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,709 |
| Loan loss allowance to noncurrent loans | 136.9079% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.6478% | 932 |
| Noncurrent loans to loans | 1.0929% | 1,872 |
| Net loans and leases to total assets | 80.3962% | 783 |
| Net loans and leases to deposits | 93.4881% | 1,165 |
| Net loans and leases to core deposits | 103.3665% | 1,261 |
| Total domestic deposits to total assets | 85.9962% | 2,666 |
| Equity capital to assets | 11.4441% | 2,222 |
| Core capital (leverage) ratio | 11.7317% | 1,805 |
| Tier 1 risk-based capital ratio | 14.9459% | 2,992 |
| Total risk-based capital ratio | 16.2005% | 2,918 |
| Memoranda: | ||
| Average total assets | $166,816,000 | 3,346 |
| Average earning assets | $160,575,000 | 3,259 |
| Average equity | $19,412,000 | 3,235 |
| Average total loans | $137,223,500 | 2,860 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7366% | 180 |
| Cost of funding earning assets | 0.7264% | 717 |
| Net interest margin | 5.0102% | 243 |
| Noninterest income to average assets | 1.1332% | 889 |
| Noninterest expense to average assets | 2.8514% | 2,841 |
| Loan and lease loss provision to assets | 0.1576% | 1,581 |
| Net operating income to assets | 2.7426% | 105 |
| Return on assets (ROA) | 2.7772% | 102 |
| Pretax return on assets | 2.9702% | 113 |
| Return on Equity (ROE) | 22.6895% | 127 |
| Retained earnings to average equity (ytd only) | 8.0459% | 846 |
| Net charge-offs to loans | 0.2991% | 926 |
| Credit loss provision to net charge-offs | 64.8649% | 3,185 |
| Earnings coverage of net charge-offs (x) | 12.7243% | 2,426 |
| Efficiency ratio | 47.9836% | 5,573 |
| Assets per employee ($millions) | 4.8006% | 2,648 |
| Cash dividends to net income (ytd only)* | 64.5390% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 1,512 |
| Loan loss allowance to noncurrent loans | 110.7937% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.8882% | 760 |
| Noncurrent loans to loans | 1.3963% | 1,463 |
| Net loans and leases to total assets | 81.6488% | 647 |
| Net loans and leases to deposits | 95.8239% | 1,017 |
| Net loans and leases to core deposits | 104.7128% | 1,230 |
| Total domestic deposits to total assets | 85.2072% | 2,952 |
| Equity capital to assets | 11.8379% | 1,914 |
| Core capital (leverage) ratio | 12.1255% | 1,520 |
| Tier 1 risk-based capital ratio | 15.3601% | 2,814 |
| Total risk-based capital ratio | 16.6151% | 2,741 |
| Memoranda: | ||
| Average total assets | $152,312,400 | 3,482 |
| Average earning assets | $146,202,600 | 3,418 |
| Average equity | $18,643,000 | 3,321 |
| Average total loans | $123,690,800 | 3,016 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 192 |
| Cost of funding earning assets | 0.7240% | 725 |
| Net interest margin | 4.9716% | 263 |
| Noninterest income to average assets | 1.1605% | 849 |
| Noninterest expense to average assets | 2.8077% | 2,978 |
| Loan and lease loss provision to assets | 0.1604% | 1,442 |
| Net operating income to assets | 2.7679% | 107 |
| Return on assets (ROA) | 2.8139% | 108 |
| Pretax return on assets | 3.0091% | 126 |
| Return on Equity (ROE) | 22.7855% | 134 |
| Retained earnings to average equity (ytd only) | 8.1196% | 1,126 |
| Net charge-offs to loans | 0.3787% | 581 |
| Credit loss provision to net charge-offs | 52.4781% | 2,999 |
| Earnings coverage of net charge-offs (x) | 10.2070% | 2,601 |
| Efficiency ratio | 47.3613% | 5,616 |
| Assets per employee ($millions) | 4.2302% | 3,541 |
| Cash dividends to net income (ytd only)* | 64.3650% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,519 |
| Loan loss allowance to noncurrent loans | 99.4691% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1423% | 699 |
| Noncurrent loans to loans | 1.5954% | 1,353 |
| Net loans and leases to total assets | 81.6613% | 666 |
| Net loans and leases to deposits | 95.7695% | 1,072 |
| Net loans and leases to core deposits | 103.7586% | 1,360 |
| Total domestic deposits to total assets | 85.2686% | 2,690 |
| Equity capital to assets | 12.2281% | 1,965 |
| Core capital (leverage) ratio | 12.2665% | 1,501 |
| Tier 1 risk-based capital ratio | 16.0823% | 2,591 |
| Total risk-based capital ratio | 17.3391% | 2,537 |
| Memoranda: | ||
| Average total assets | $149,585,250 | 3,549 |
| Average earning assets | $143,451,500 | 3,469 |
| Average equity | $18,473,250 | 3,374 |
| Average total loans | $120,773,000 | 3,060 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8013% | 160 |
| Cost of funding earning assets | 0.7172% | 733 |
| Net interest margin | 5.0841% | 218 |
| Noninterest income to average assets | 1.0647% | 988 |
| Noninterest expense to average assets | 2.8342% | 2,900 |
| Loan and lease loss provision to assets | 0.1630% | 1,388 |
| Net operating income to assets | 2.7476% | 105 |
| Return on assets (ROA) | 2.8179% | 98 |
| Pretax return on assets | 3.0134% | 121 |
| Return on Equity (ROE) | 22.7381% | 135 |
| Retained earnings to average equity (ytd only) | 6.7173% | 1,757 |
| Net charge-offs to loans | -0.1342% | 5,714 |
| Credit loss provision to net charge-offs | -151.8987% | 4,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7465% | 5,680 |
| Assets per employee ($millions) | 4.1473% | 3,658 |
| Cash dividends to net income (ytd only)* | 70.4578% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 883 |
| Loan loss allowance to noncurrent loans | 185.8129% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7582% | 996 |
| Noncurrent loans to loans | 1.0268% | 2,234 |
| Net loans and leases to total assets | 81.1827% | 725 |
| Net loans and leases to deposits | 95.2452% | 1,161 |
| Net loans and leases to core deposits | 103.3552% | 1,374 |
| Total domestic deposits to total assets | 85.2355% | 2,766 |
| Equity capital to assets | 12.1604% | 2,004 |
| Core capital (leverage) ratio | 12.3017% | 1,456 |
| Tier 1 risk-based capital ratio | 16.1940% | 2,550 |
| Total risk-based capital ratio | 17.4541% | 2,493 |
| Memoranda: | ||
| Average total assets | $147,275,000 | 3,601 |
| Average earning assets | $141,105,670 | 3,520 |
| Average equity | $18,251,330 | 3,412 |
| Average total loans | $117,739,330 | 3,116 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 186 |
| Cost of funding earning assets | 0.7183% | 735 |
| Net interest margin | 4.9729% | 266 |
| Noninterest income to average assets | 0.9821% | 1,120 |
| Noninterest expense to average assets | 2.8213% | 2,991 |
| Loan and lease loss provision to assets | 0.1664% | 1,244 |
| Net operating income to assets | 2.5810% | 141 |
| Return on assets (ROA) | 2.5966% | 143 |
| Pretax return on assets | 2.7742% | 156 |
| Return on Equity (ROE) | 20.7458% | 203 |
| Retained earnings to average equity (ytd only) | 3.7901% | 3,601 |
| Net charge-offs to loans | -0.0354% | 5,138 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1067% | 5,671 |
| Assets per employee ($millions) | 4.1847% | 3,615 |
| Cash dividends to net income (ytd only)* | 81.7308% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 841 |
| Loan loss allowance to noncurrent loans | 112.3959% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 2.3104% | 680 |
| Noncurrent loans to loans | 1.7652% | 1,253 |
| Net loans and leases to total assets | 77.3750% | 1,196 |
| Net loans and leases to deposits | 90.0608% | 1,573 |
| Net loans and leases to core deposits | 98.1135% | 1,627 |
| Total domestic deposits to total assets | 85.9141% | 2,706 |
| Equity capital to assets | 12.4172% | 1,733 |
| Core capital (leverage) ratio | 12.6189% | 1,297 |
| Tier 1 risk-based capital ratio | 16.8607% | 2,342 |
| Total risk-based capital ratio | 18.1219% | 2,278 |
| Memoranda: | ||
| Average total assets | $144,188,000 | 3,664 |
| Average earning assets | $138,108,500 | 3,587 |
| Average equity | $18,047,000 | 3,429 |
| Average total loans | $113,110,500 | 3,198 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5890% | 238 |
| Cost of funding earning assets | 0.7460% | 653 |
| Net interest margin | 4.8430% | 334 |
| Noninterest income to average assets | 0.8999% | 1,444 |
| Noninterest expense to average assets | 2.5750% | 4,010 |
| Loan and lease loss provision to assets | 0.1894% | 1,171 |
| Net operating income to assets | 2.5818% | 139 |
| Return on assets (ROA) | 2.5845% | 140 |
| Pretax return on assets | 2.7644% | 146 |
| Return on Equity (ROE) | 20.3327% | 234 |
| Retained earnings to average equity (ytd only) | 3.5713% | 3,520 |
| Net charge-offs to loans | 0.5401% | 476 |
| Credit loss provision to net charge-offs | 44.5969% | 3,478 |
| Earnings coverage of net charge-offs (x) | 6.9468% | 3,149 |
| Efficiency ratio | 46.5981% | 5,896 |
| Assets per employee ($millions) | 4.0546% | 3,840 |
| Cash dividends to net income (ytd only)* | 82.4359% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0109% | 787 |
| Loan loss allowance to noncurrent loans | 88.0443% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 2.7475% | 524 |
| Noncurrent loans to loans | 2.2839% | 843 |
| Net loans and leases to total assets | 76.3688% | 1,352 |
| Net loans and leases to deposits | 89.2695% | 1,714 |
| Net loans and leases to core deposits | 97.3798% | 1,724 |
| Total domestic deposits to total assets | 85.5486% | 2,841 |
| Equity capital to assets | 12.6186% | 1,551 |
| Core capital (leverage) ratio | 12.7132% | 1,258 |
| Tier 1 risk-based capital ratio | 17.9529% | 1,979 |
| Total risk-based capital ratio | 19.2133% | 1,932 |
| Memoranda: | ||
| Average total assets | $137,242,600 | 3,763 |
| Average earning assets | $131,096,800 | 3,678 |
| Average equity | $17,444,800 | 3,465 |
| Average total loans | $107,934,000 | 3,241 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 233 |
| Cost of funding earning assets | 0.7524% | 638 |
| Net interest margin | 4.8273% | 357 |
| Noninterest income to average assets | 0.8544% | 1,602 |
| Noninterest expense to average assets | 2.5730% | 3,971 |
| Loan and lease loss provision to assets | 0.2205% | 857 |
| Net operating income to assets | 2.4938% | 160 |
| Return on assets (ROA) | 2.4956% | 164 |
| Pretax return on assets | 2.6710% | 181 |
| Return on Equity (ROE) | 19.5965% | 297 |
| Retained earnings to average equity (ytd only) | 2.4467% | 4,648 |
| Net charge-offs to loans | 0.5668% | 406 |
| Credit loss provision to net charge-offs | 49.3421% | 3,043 |
| Earnings coverage of net charge-offs (x) | 6.4672% | 3,046 |
| Efficiency ratio | 47.1031% | 5,915 |
| Assets per employee ($millions) | 3.9724% | 3,929 |
| Cash dividends to net income (ytd only)* | 87.5147% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 770 |
| Loan loss allowance to noncurrent loans | 89.2142% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.7871% | 573 |
| Noncurrent loans to loans | 2.3584% | 886 |
| Net loans and leases to total assets | 77.5062% | 1,175 |
| Net loans and leases to deposits | 90.0808% | 1,641 |
| Net loans and leases to core deposits | 98.5973% | 1,642 |
| Total domestic deposits to total assets | 86.0408% | 2,504 |
| Equity capital to assets | 12.7077% | 1,611 |
| Core capital (leverage) ratio | 12.6007% | 1,361 |
| Tier 1 risk-based capital ratio | 18.0599% | 2,005 |
| Total risk-based capital ratio | 19.3240% | 1,969 |
| Memoranda: | ||
| Average total assets | $136,075,750 | 3,825 |
| Average earning assets | $129,896,500 | 3,732 |
| Average equity | $17,329,250 | 3,513 |
| Average total loans | $107,267,750 | 3,280 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 245 |
| Cost of funding earning assets | 0.7422% | 678 |
| Net interest margin | 4.8039% | 360 |
| Noninterest income to average assets | 0.8158% | 1,715 |
| Noninterest expense to average assets | 2.5583% | 4,048 |
| Loan and lease loss provision to assets | 0.2221% | 853 |
| Net operating income to assets | 2.4443% | 182 |
| Return on assets (ROA) | 2.4443% | 191 |
| Pretax return on assets | 2.6160% | 214 |
| Return on Equity (ROE) | 19.1795% | 316 |
| Retained earnings to average equity (ytd only) | 0.8945% | 5,206 |
| Net charge-offs to loans | 0.8107% | 264 |
| Credit loss provision to net charge-offs | 34.8028% | 2,874 |
| Earnings coverage of net charge-offs (x) | 4.4478% | 3,040 |
| Efficiency ratio | 47.4074% | 5,987 |
| Assets per employee ($millions) | 3.9295% | 4,020 |
| Cash dividends to net income (ytd only)* | 95.3362% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 833 |
| Loan loss allowance to noncurrent loans | 95.0503% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.8197% | 619 |
| Noncurrent loans to loans | 2.2283% | 1,072 |
| Net loans and leases to total assets | 76.1432% | 1,344 |
| Net loans and leases to deposits | 88.3432% | 1,789 |
| Net loans and leases to core deposits | 96.7632% | 1,735 |
| Total domestic deposits to total assets | 86.1902% | 2,587 |
| Equity capital to assets | 12.6166% | 1,592 |
| Core capital (leverage) ratio | 12.6519% | 1,314 |
| Tier 1 risk-based capital ratio | 18.2773% | 1,989 |
| Total risk-based capital ratio | 19.5417% | 1,949 |
| Memoranda: | ||
| Average total assets | $135,089,670 | 3,878 |
| Average earning assets | $128,813,000 | 3,779 |
| Average equity | $17,216,330 | 3,533 |
| Average total loans | $106,331,670 | 3,316 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5643% | 235 |
| Cost of funding earning assets | 0.7461% | 674 |
| Net interest margin | 4.8182% | 339 |
| Noninterest income to average assets | 0.7470% | 1,930 |
| Noninterest expense to average assets | 2.6265% | 3,837 |
| Loan and lease loss provision to assets | 0.2241% | 783 |
| Net operating income to assets | 2.3247% | 191 |
| Return on assets (ROA) | 2.3247% | 205 |
| Pretax return on assets | 2.4890% | 246 |
| Return on Equity (ROE) | 18.1474% | 374 |
| Retained earnings to average equity (ytd only) | -5.5982% | 5,972 |
| Net charge-offs to loans | 1.0302% | 231 |
| Credit loss provision to net charge-offs | 27.4725% | 2,295 |
| Earnings coverage of net charge-offs (x) | 3.3260% | 2,618 |
| Efficiency ratio | 49.1886% | 5,966 |
| Assets per employee ($millions) | 3.8632% | 4,227 |
| Cash dividends to net income (ytd only)* | 130.8483% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 783 |
| Loan loss allowance to noncurrent loans | 70.5405% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 3.7364% | 420 |
| Noncurrent loans to loans | 3.1477% | 657 |
| Net loans and leases to total assets | 76.5056% | 1,138 |
| Net loans and leases to deposits | 88.8435% | 1,528 |
| Net loans and leases to core deposits | 96.8287% | 1,565 |
| Total domestic deposits to total assets | 86.1128% | 2,878 |
| Equity capital to assets | 12.6358% | 1,608 |
| Core capital (leverage) ratio | 12.7384% | 1,260 |
| Tier 1 risk-based capital ratio | 18.0169% | 2,132 |
| Total risk-based capital ratio | 19.2823% | 2,080 |
| Memoranda: | ||
| Average total assets | $133,868,000 | 3,925 |
| Average earning assets | $127,600,000 | 3,836 |
| Average equity | $17,148,500 | 3,573 |
| Average total loans | $106,003,500 | 3,340 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9162% | 174 |
| Cost of funding earning assets | 0.8134% | 606 |
| Net interest margin | 5.1027% | 249 |
| Noninterest income to average assets | 0.8651% | 1,627 |
| Noninterest expense to average assets | 2.7086% | 3,827 |
| Loan and lease loss provision to assets | 0.2359% | 1,017 |
| Net operating income to assets | 2.5474% | 134 |
| Return on assets (ROA) | 2.5481% | 135 |
| Pretax return on assets | 2.7267% | 149 |
| Return on Equity (ROE) | 20.0136% | 252 |
| Retained earnings to average equity (ytd only) | 7.8139% | 1,091 |
| Net charge-offs to loans | 0.2987% | 1,474 |
| Credit loss provision to net charge-offs | 98.6842% | 2,459 |
| Earnings coverage of net charge-offs (x) | 12.3882% | 2,380 |
| Efficiency ratio | 47.7670% | 6,191 |
| Assets per employee ($millions) | 3.7864% | 4,368 |
| Cash dividends to net income (ytd only)* | 60.9568% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 626 |
| Loan loss allowance to noncurrent loans | 70.7697% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 3.7510% | 474 |
| Noncurrent loans to loans | 3.3884% | 622 |
| Net loans and leases to total assets | 78.2245% | 973 |
| Net loans and leases to deposits | 91.3068% | 1,362 |
| Net loans and leases to core deposits | 99.2675% | 1,437 |
| Total domestic deposits to total assets | 85.6721% | 2,996 |
| Equity capital to assets | 12.9877% | 1,380 |
| Core capital (leverage) ratio | 13.0974% | 1,097 |
| Tier 1 risk-based capital ratio | 18.8203% | 1,903 |
| Total risk-based capital ratio | 20.0889% | 1,856 |
| Memoranda: | ||
| Average total assets | $127,151,600 | 4,036 |
| Average earning assets | $119,740,000 | 3,973 |
| Average equity | $16,189,000 | 3,642 |
| Average total loans | $101,770,600 | 3,383 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9867% | 158 |
| Cost of funding earning assets | 0.8243% | 612 |
| Net interest margin | 5.1625% | 214 |
| Noninterest income to average assets | 0.9114% | 1,491 |
| Noninterest expense to average assets | 2.8275% | 3,361 |
| Loan and lease loss provision to assets | 0.2385% | 924 |
| Net operating income to assets | 2.5160% | 140 |
| Return on assets (ROA) | 2.5170% | 142 |
| Pretax return on assets | 2.6919% | 161 |
| Return on Equity (ROE) | 19.8741% | 292 |
| Retained earnings to average equity (ytd only) | 3.3472% | 4,232 |
| Net charge-offs to loans | 0.1629% | 2,167 |
| Credit loss provision to net charge-offs | 182.9268% | 1,368 |
| Earnings coverage of net charge-offs (x) | 22.4710% | 1,629 |
| Efficiency ratio | 49.1163% | 6,144 |
| Assets per employee ($millions) | 3.7245% | 4,443 |
| Cash dividends to net income (ytd only)* | 83.1579% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4959% | 655 |
| Loan loss allowance to noncurrent loans | 82.5965% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 4.3734% | 428 |
| Noncurrent loans to loans | 3.0218% | 880 |
| Net loans and leases to total assets | 79.5061% | 772 |
| Net loans and leases to deposits | 92.5589% | 1,178 |
| Net loans and leases to core deposits | 100.4633% | 1,327 |
| Total domestic deposits to total assets | 85.8978% | 2,903 |
| Equity capital to assets | 12.5142% | 1,686 |
| Core capital (leverage) ratio | 12.5972% | 1,353 |
| Tier 1 risk-based capital ratio | 17.7344% | 2,301 |
| Total risk-based capital ratio | 19.0016% | 2,256 |
| Memoranda: | ||
| Average total assets | $125,808,250 | 4,096 |
| Average earning assets | $118,080,250 | 4,036 |
| Average equity | $15,933,250 | 3,698 |
| Average total loans | $100,659,750 | 3,433 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9629% | 158 |
| Cost of funding earning assets | 0.8278% | 616 |
| Net interest margin | 5.1351% | 227 |
| Noninterest income to average assets | 0.8046% | 1,819 |
| Noninterest expense to average assets | 2.7242% | 3,779 |
| Loan and lease loss provision to assets | 0.2414% | 930 |
| Net operating income to assets | 2.4830% | 141 |
| Return on assets (ROA) | 2.4845% | 145 |
| Pretax return on assets | 2.6518% | 169 |
| Return on Equity (ROE) | 19.5361% | 315 |
| Retained earnings to average equity (ytd only) | 4.3146% | 3,423 |
| Net charge-offs to loans | 0.2855% | 1,395 |
| Credit loss provision to net charge-offs | 106.3830% | 1,877 |
| Earnings coverage of net charge-offs (x) | 12.7447% | 2,037 |
| Efficiency ratio | 48.5100% | 6,261 |
| Assets per employee ($millions) | 3.3261% | 5,210 |
| Cash dividends to net income (ytd only)* | 77.9145% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4885% | 727 |
| Loan loss allowance to noncurrent loans | 91.2981% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 4.3477% | 453 |
| Noncurrent loans to loans | 2.7257% | 1,114 |
| Net loans and leases to total assets | 79.3678% | 760 |
| Net loans and leases to deposits | 91.9543% | 1,155 |
| Net loans and leases to core deposits | 100.0160% | 1,282 |
| Total domestic deposits to total assets | 86.3122% | 2,871 |
| Equity capital to assets | 12.8594% | 1,447 |
| Core capital (leverage) ratio | 12.9655% | 1,167 |
| Tier 1 risk-based capital ratio | 18.2125% | 2,162 |
| Total risk-based capital ratio | 19.4818% | 2,119 |
| Memoranda: | ||
| Average total assets | $124,292,330 | 4,152 |
| Average earning assets | $116,452,670 | 4,099 |
| Average equity | $15,806,670 | 3,720 |
| Average total loans | $98,781,670 | 3,480 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9560% | 152 |
| Cost of funding earning assets | 0.8375% | 621 |
| Net interest margin | 5.1185% | 217 |
| Noninterest income to average assets | 0.6816% | 2,277 |
| Noninterest expense to average assets | 2.7490% | 3,756 |
| Loan and lease loss provision to assets | 0.2434% | 896 |
| Net operating income to assets | 2.3079% | 199 |
| Return on assets (ROA) | 2.3109% | 207 |
| Pretax return on assets | 2.4732% | 232 |
| Return on Equity (ROE) | 18.2757% | 423 |
| Retained earnings to average equity (ytd only) | -12.6031% | 6,431 |
| Net charge-offs to loans | 0.1819% | 1,629 |
| Credit loss provision to net charge-offs | 170.4545% | 1,160 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,392 |
| Efficiency ratio | 50.3268% | 6,234 |
| Assets per employee ($millions) | 3.2706% | 5,405 |
| Cash dividends to net income (ytd only)* | 168.9607% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6634% | 664 |
| Loan loss allowance to noncurrent loans | 74.3878% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 5.1391% | 387 |
| Noncurrent loans to loans | 3.5804% | 802 |
| Net loans and leases to total assets | 75.9265% | 1,010 |
| Net loans and leases to deposits | 87.4995% | 1,419 |
| Net loans and leases to core deposits | 95.2469% | 1,451 |
| Total domestic deposits to total assets | 86.7736% | 2,953 |
| Equity capital to assets | 12.3727% | 1,644 |
| Core capital (leverage) ratio | 12.5496% | 1,367 |
| Tier 1 risk-based capital ratio | 18.1925% | 2,211 |
| Total risk-based capital ratio | 19.4614% | 2,172 |
| Memoranda: | ||
| Average total assets | $123,243,500 | 4,206 |
| Average earning assets | $115,111,000 | 4,157 |
| Average equity | $15,583,500 | 3,771 |
| Average total loans | $96,736,000 | 3,539 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9805% | 179 |
| Cost of funding earning assets | 0.9054% | 714 |
| Net interest margin | 5.0752% | 273 |
| Noninterest income to average assets | 0.9847% | 1,431 |
| Noninterest expense to average assets | 2.9722% | 3,125 |
| Loan and lease loss provision to assets | 0.3714% | 833 |
| Net operating income to assets | 2.1922% | 244 |
| Return on assets (ROA) | 2.1922% | 249 |
| Pretax return on assets | 2.3465% | 246 |
| Return on Equity (ROE) | 17.7716% | 430 |
| Retained earnings to average equity (ytd only) | 10.4850% | 491 |
| Net charge-offs to loans | 0.4778% | 1,393 |
| Credit loss provision to net charge-offs | 99.1189% | 2,502 |
| Earnings coverage of net charge-offs (x) | 7.2533% | 2,883 |
| Efficiency ratio | 52.2338% | 6,275 |
| Assets per employee ($millions) | 3.2159% | 5,460 |
| Cash dividends to net income (ytd only)* | 41.0015% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6428% | 705 |
| Loan loss allowance to noncurrent loans | 59.8265% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 6.4457% | 284 |
| Noncurrent loans to loans | 4.4174% | 612 |
| Net loans and leases to total assets | 76.9003% | 966 |
| Net loans and leases to deposits | 89.4081% | 1,294 |
| Net loans and leases to core deposits | 96.7777% | 1,398 |
| Total domestic deposits to total assets | 86.0104% | 3,251 |
| Equity capital to assets | 12.9209% | 1,309 |
| Core capital (leverage) ratio | 13.2243% | 1,044 |
| Tier 1 risk-based capital ratio | 19.1131% | 1,881 |
| Total risk-based capital ratio | 20.3611% | 1,847 |
| Memoranda: | ||
| Average total assets | $121,157,400 | 4,254 |
| Average earning assets | $112,331,200 | 4,214 |
| Average equity | $14,945,200 | 3,882 |
| Average total loans | $95,016,400 | 3,578 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9875% | 183 |
| Cost of funding earning assets | 0.9223% | 733 |
| Net interest margin | 5.0653% | 282 |
| Noninterest income to average assets | 1.1370% | 1,135 |
| Noninterest expense to average assets | 2.9656% | 3,094 |
| Loan and lease loss provision to assets | 0.4963% | 555 |
| Net operating income to assets | 2.2091% | 253 |
| Return on assets (ROA) | 2.2101% | 261 |
| Pretax return on assets | 2.3645% | 290 |
| Return on Equity (ROE) | 18.1345% | 431 |
| Retained earnings to average equity (ytd only) | 9.4111% | 931 |
| Net charge-offs to loans | 0.0352% | 4,435 |
| Credit loss provision to net charge-offs | 1,800.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 103.7279% | 484 |
| Efficiency ratio | 50.9087% | 6,341 |
| Assets per employee ($millions) | 3.3454% | 5,195 |
| Cash dividends to net income (ytd only)* | 48.1038% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1025% | 496 |
| Loan loss allowance to noncurrent loans | 72.1375% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 6.8104% | 312 |
| Noncurrent loans to loans | 4.3008% | 785 |
| Net loans and leases to total assets | 77.2805% | 836 |
| Net loans and leases to deposits | 89.9777% | 1,167 |
| Net loans and leases to core deposits | 96.9995% | 1,321 |
| Total domestic deposits to total assets | 85.8885% | 3,324 |
| Equity capital to assets | 12.7057% | 1,475 |
| Core capital (leverage) ratio | 12.8162% | 1,273 |
| Tier 1 risk-based capital ratio | 18.2064% | 2,242 |
| Total risk-based capital ratio | 19.4816% | 2,201 |
| Memoranda: | ||
| Average total assets | $120,895,500 | 4,307 |
| Average earning assets | $111,896,250 | 4,264 |
| Average equity | $14,734,000 | 3,964 |
| Average total loans | $94,638,750 | 3,607 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0321% | 172 |
| Cost of funding earning assets | 0.9365% | 757 |
| Net interest margin | 5.0956% | 259 |
| Noninterest income to average assets | 1.1169% | 1,219 |
| Noninterest expense to average assets | 2.9277% | 3,246 |
| Loan and lease loss provision to assets | 0.4957% | 554 |
| Net operating income to assets | 2.2471% | 240 |
| Return on assets (ROA) | 2.2487% | 257 |
| Pretax return on assets | 2.4056% | 305 |
| Return on Equity (ROE) | 18.7148% | 407 |
| Retained earnings to average equity (ytd only) | 5.4590% | 2,770 |
| Net charge-offs to loans | -0.0042% | 5,608 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2410% | 6,411 |
| Assets per employee ($millions) | 3.3408% | 5,187 |
| Cash dividends to net income (ytd only)* | 70.8303% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0081% | 578 |
| Loan loss allowance to noncurrent loans | 88.2335% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 5.9974% | 455 |
| Noncurrent loans to loans | 3.4092% | 1,249 |
| Net loans and leases to total assets | 76.5956% | 912 |
| Net loans and leases to deposits | 88.7527% | 1,260 |
| Net loans and leases to core deposits | 95.4008% | 1,408 |
| Total domestic deposits to total assets | 86.3023% | 3,205 |
| Equity capital to assets | 12.2734% | 1,724 |
| Core capital (leverage) ratio | 12.3115% | 1,450 |
| Tier 1 risk-based capital ratio | 17.5879% | 2,483 |
| Total risk-based capital ratio | 18.8638% | 2,438 |
| Memoranda: | ||
| Average total assets | $121,049,330 | 4,326 |
| Average earning assets | $111,901,330 | 4,294 |
| Average equity | $14,544,670 | 4,036 |
| Average total loans | $94,167,670 | 3,630 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1146% | 141 |
| Cost of funding earning assets | 0.9531% | 775 |
| Net interest margin | 5.1616% | 207 |
| Noninterest income to average assets | 1.0771% | 1,277 |
| Noninterest expense to average assets | 2.8458% | 3,558 |
| Loan and lease loss provision to assets | 0.4941% | 547 |
| Net operating income to assets | 2.3355% | 190 |
| Return on assets (ROA) | 2.3386% | 207 |
| Pretax return on assets | 2.5033% | 267 |
| Return on Equity (ROE) | 19.6724% | 317 |
| Retained earnings to average equity (ytd only) | -7.0377% | 6,475 |
| Net charge-offs to loans | -0.2090% | 6,689 |
| Credit loss provision to net charge-offs | -306.1224% | 5,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7310% | 6,577 |
| Assets per employee ($millions) | 3.3817% | 5,254 |
| Cash dividends to net income (ytd only)* | 135.7746% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9179% | 718 |
| Loan loss allowance to noncurrent loans | 78.6408% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 6.3931% | 475 |
| Noncurrent loans to loans | 3.7104% | 1,272 |
| Net loans and leases to total assets | 75.2663% | 929 |
| Net loans and leases to deposits | 86.9165% | 1,258 |
| Net loans and leases to core deposits | 93.0056% | 1,416 |
| Total domestic deposits to total assets | 86.5961% | 3,182 |
| Equity capital to assets | 11.7635% | 2,208 |
| Core capital (leverage) ratio | 11.6532% | 1,780 |
| Tier 1 risk-based capital ratio | 16.9122% | 2,793 |
| Total risk-based capital ratio | 18.1311% | 2,783 |
| Memoranda: | ||
| Average total assets | $121,440,000 | 4,358 |
| Average earning assets | $112,059,000 | 4,333 |
| Average equity | $14,436,500 | 4,103 |
| Average total loans | $93,763,000 | 3,658 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2206% | 191 |
| Cost of funding earning assets | 1.1879% | 617 |
| Net interest margin | 5.0327% | 369 |
| Noninterest income to average assets | 0.8973% | 1,864 |
| Noninterest expense to average assets | 2.8917% | 3,673 |
| Loan and lease loss provision to assets | 1.0234% | 392 |
| Net operating income to assets | 1.5093% | 898 |
| Return on assets (ROA) | 1.5146% | 983 |
| Pretax return on assets | 1.6219% | 1,328 |
| Return on Equity (ROE) | 13.6693% | 1,065 |
| Retained earnings to average equity (ytd only) | 10.8394% | 455 |
| Net charge-offs to loans | 0.7639% | 1,535 |
| Credit loss provision to net charge-offs | 172.1763% | 1,531 |
| Earnings coverage of net charge-offs (x) | 4.4408% | 3,367 |
| Efficiency ratio | 52.2795% | 6,442 |
| Assets per employee ($millions) | 3.2740% | 5,469 |
| Cash dividends to net income (ytd only)* | 20.7027% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7431% | 885 |
| Loan loss allowance to noncurrent loans | 51.5849% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 8.0882% | 335 |
| Noncurrent loans to loans | 5.3177% | 713 |
| Net loans and leases to total assets | 74.7794% | 1,081 |
| Net loans and leases to deposits | 87.0117% | 1,382 |
| Net loans and leases to core deposits | 94.1222% | 1,456 |
| Total domestic deposits to total assets | 85.9418% | 3,381 |
| Equity capital to assets | 12.0126% | 2,039 |
| Core capital (leverage) ratio | 11.7704% | 1,688 |
| Tier 1 risk-based capital ratio | 17.1418% | 2,585 |
| Total risk-based capital ratio | 18.4136% | 2,550 |
| Memoranda: | ||
| Average total assets | $122,141,600 | 4,313 |
| Average earning assets | $112,465,000 | 4,282 |
| Average equity | $13,534,000 | 4,250 |
| Average total loans | $95,040,800 | 3,641 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1793% | 222 |
| Cost of funding earning assets | 1.2186% | 641 |
| Net interest margin | 4.9607% | 428 |
| Noninterest income to average assets | 0.8279% | 2,130 |
| Noninterest expense to average assets | 2.8705% | 3,708 |
| Loan and lease loss provision to assets | 1.1438% | 330 |
| Net operating income to assets | 1.2903% | 1,467 |
| Return on assets (ROA) | 1.2963% | 1,594 |
| Pretax return on assets | 1.3879% | 2,275 |
| Return on Equity (ROE) | 11.9480% | 1,657 |
| Retained earnings to average equity (ytd only) | 8.1025% | 1,576 |
| Net charge-offs to loans | 0.4955% | 2,129 |
| Credit loss provision to net charge-offs | 295.7746% | 916 |
| Earnings coverage of net charge-offs (x) | 6.5296% | 2,767 |
| Efficiency ratio | 53.2001% | 6,332 |
| Assets per employee ($millions) | 3.3363% | 5,351 |
| Cash dividends to net income (ytd only)* | 32.1846% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8789% | 820 |
| Loan loss allowance to noncurrent loans | 56.9578% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 8.4395% | 346 |
| Noncurrent loans to loans | 5.0544% | 892 |
| Net loans and leases to total assets | 74.4984% | 1,174 |
| Net loans and leases to deposits | 86.2636% | 1,573 |
| Net loans and leases to core deposits | 93.5734% | 1,618 |
| Total domestic deposits to total assets | 86.3613% | 3,055 |
| Equity capital to assets | 11.2465% | 2,987 |
| Core capital (leverage) ratio | 11.1343% | 2,269 |
| Tier 1 risk-based capital ratio | 15.8927% | 3,326 |
| Total risk-based capital ratio | 17.1643% | 3,285 |
| Memoranda: | ||
| Average total assets | $122,392,250 | 4,341 |
| Average earning assets | $112,695,750 | 4,331 |
| Average equity | $13,279,500 | 4,345 |
| Average total loans | $95,515,500 | 3,666 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3094% | 186 |
| Cost of funding earning assets | 1.2466% | 662 |
| Net interest margin | 5.0628% | 362 |
| Noninterest income to average assets | 0.7981% | 2,189 |
| Noninterest expense to average assets | 2.9219% | 3,533 |
| Loan and lease loss provision to assets | 1.2291% | 333 |
| Net operating income to assets | 1.2331% | 1,604 |
| Return on assets (ROA) | 1.2422% | 1,762 |
| Pretax return on assets | 1.3291% | 2,453 |
| Return on Equity (ROE) | 11.5917% | 1,804 |
| Retained earnings to average equity (ytd only) | 5.7347% | 2,862 |
| Net charge-offs to loans | 0.6138% | 1,785 |
| Credit loss provision to net charge-offs | 255.1020% | 1,124 |
| Earnings coverage of net charge-offs (x) | 5.2891% | 2,866 |
| Efficiency ratio | 53.4152% | 6,376 |
| Assets per employee ($millions) | 3.3445% | 5,348 |
| Cash dividends to net income (ytd only)* | 50.5277% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6269% | 1,124 |
| Loan loss allowance to noncurrent loans | 42.8941% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 8.5450% | 381 |
| Noncurrent loans to loans | 6.1240% | 709 |
| Net loans and leases to total assets | 74.4992% | 1,176 |
| Net loans and leases to deposits | 86.0293% | 1,593 |
| Net loans and leases to core deposits | 93.9228% | 1,613 |
| Total domestic deposits to total assets | 86.5974% | 3,011 |
| Equity capital to assets | 10.7899% | 3,354 |
| Core capital (leverage) ratio | 10.8408% | 2,444 |
| Tier 1 risk-based capital ratio | 15.0605% | 3,730 |
| Total risk-based capital ratio | 16.3092% | 3,689 |
| Memoranda: | ||
| Average total assets | $122,042,000 | 4,371 |
| Average earning assets | $112,626,330 | 4,342 |
| Average equity | $13,078,330 | 4,379 |
| Average total loans | $95,791,000 | 3,672 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4072% | 182 |
| Cost of funding earning assets | 1.3144% | 596 |
| Net interest margin | 5.0928% | 344 |
| Noninterest income to average assets | 0.8020% | 2,158 |
| Noninterest expense to average assets | 2.9738% | 3,365 |
| Loan and lease loss provision to assets | 1.2377% | 305 |
| Net operating income to assets | 1.1981% | 1,738 |
| Return on assets (ROA) | 1.1981% | 1,921 |
| Pretax return on assets | 1.2839% | 2,593 |
| Return on Equity (ROE) | 11.2197% | 1,934 |
| Retained earnings to average equity (ytd only) | -0.6182% | 6,094 |
| Net charge-offs to loans | -0.0498% | 6,529 |
| Credit loss provision to net charge-offs | -3,125.0000% | 6,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1141% | 6,337 |
| Assets per employee ($millions) | 3.2681% | 5,626 |
| Cash dividends to net income (ytd only)* | 105.5096% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5207% | 1,322 |
| Loan loss allowance to noncurrent loans | 41.2206% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 8.5785% | 430 |
| Noncurrent loans to loans | 6.1152% | 817 |
| Net loans and leases to total assets | 77.3309% | 657 |
| Net loans and leases to deposits | 89.5884% | 997 |
| Net loans and leases to core deposits | 99.4057% | 1,022 |
| Total domestic deposits to total assets | 86.3180% | 3,352 |
| Equity capital to assets | 10.7114% | 3,252 |
| Core capital (leverage) ratio | 10.7057% | 2,539 |
| Tier 1 risk-based capital ratio | 14.8891% | 3,829 |
| Total risk-based capital ratio | 15.8133% | 4,012 |
| Memoranda: | ||
| Average total assets | $121,190,500 | 4,428 |
| Average earning assets | $111,687,500 | 4,394 |
| Average equity | $12,941,500 | 4,415 |
| Average total loans | $96,348,500 | 3,677 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2600% | 273 |
| Cost of funding earning assets | 1.5665% | 541 |
| Net interest margin | 4.6935% | 766 |
| Noninterest income to average assets | 0.7494% | 2,341 |
| Noninterest expense to average assets | 2.8086% | 4,318 |
| Loan and lease loss provision to assets | 1.3468% | 595 |
| Net operating income to assets | 0.8722% | 2,726 |
| Return on assets (ROA) | 0.8804% | 2,824 |
| Pretax return on assets | 0.9440% | 3,451 |
| Return on Equity (ROE) | 8.8156% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.8156% | 854 |
| Net charge-offs to loans | 1.7237% | 880 |
| Credit loss provision to net charge-offs | 99.8807% | 3,578 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 4,504 |
| Efficiency ratio | 55.1730% | 6,402 |
| Assets per employee ($millions) | 3.1964% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 2,009 |
| Loan loss allowance to noncurrent loans | 29.6626% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 9.4333% | 365 |
| Noncurrent loans to loans | 7.0754% | 623 |
| Net loans and leases to total assets | 77.9999% | 709 |
| Net loans and leases to deposits | 90.7185% | 1,077 |
| Net loans and leases to core deposits | 101.6458% | 1,055 |
| Total domestic deposits to total assets | 85.9801% | 3,335 |
| Equity capital to assets | 10.6460% | 3,367 |
| Core capital (leverage) ratio | 10.5623% | 2,648 |
| Tier 1 risk-based capital ratio | 14.5852% | 3,910 |
| Total risk-based capital ratio | 15.8476% | 3,885 |
| Memoranda: | ||
| Average total assets | $124,368,600 | 4,289 |
| Average earning assets | $115,031,200 | 4,259 |
| Average equity | $12,421,200 | 4,453 |
| Average total loans | $97,291,200 | 3,688 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2472% | 295 |
| Cost of funding earning assets | 1.6067% | 561 |
| Net interest margin | 4.6406% | 869 |
| Noninterest income to average assets | 0.7152% | 2,509 |
| Noninterest expense to average assets | 2.7616% | 4,492 |
| Loan and lease loss provision to assets | 1.3589% | 543 |
| Net operating income to assets | 0.8335% | 3,006 |
| Return on assets (ROA) | 0.8335% | 3,173 |
| Pretax return on assets | 0.8921% | 3,800 |
| Return on Equity (ROE) | 8.4811% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.4811% | 1,319 |
| Net charge-offs to loans | 0.8034% | 1,956 |
| Credit loss provision to net charge-offs | 217.2061% | 1,314 |
| Earnings coverage of net charge-offs (x) | 3.5979% | 3,380 |
| Efficiency ratio | 55.0925% | 6,379 |
| Assets per employee ($millions) | 3.2548% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7654% | 1,063 |
| Loan loss allowance to noncurrent loans | 38.2700% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 9.2527% | 415 |
| Noncurrent loans to loans | 7.2259% | 670 |
| Net loans and leases to total assets | 77.3550% | 792 |
| Net loans and leases to deposits | 90.4694% | 1,158 |
| Net loans and leases to core deposits | 100.3093% | 1,219 |
| Total domestic deposits to total assets | 85.5041% | 3,492 |
| Equity capital to assets | 10.2439% | 4,026 |
| Core capital (leverage) ratio | 10.1582% | 3,233 |
| Tier 1 risk-based capital ratio | 14.0871% | 4,288 |
| Total risk-based capital ratio | 15.3590% | 4,248 |
| Memoranda: | ||
| Average total assets | $125,095,000 | 4,294 |
| Average earning assets | $115,845,500 | 4,257 |
| Average equity | $12,293,750 | 4,489 |
| Average total loans | $97,421,000 | 3,716 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1773% | 341 |
| Cost of funding earning assets | 1.6586% | 556 |
| Net interest margin | 4.5186% | 1,090 |
| Noninterest income to average assets | 0.7279% | 2,387 |
| Noninterest expense to average assets | 2.6854% | 4,878 |
| Loan and lease loss provision to assets | 1.4335% | 503 |
| Net operating income to assets | 0.7438% | 3,322 |
| Return on assets (ROA) | 0.7438% | 3,442 |
| Pretax return on assets | 0.7964% | 4,047 |
| Return on Equity (ROE) | 7.6757% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.6757% | 1,591 |
| Net charge-offs to loans | 0.6633% | 2,180 |
| Credit loss provision to net charge-offs | 279.5031% | 1,091 |
| Earnings coverage of net charge-offs (x) | 4.3478% | 2,883 |
| Efficiency ratio | 54.6338% | 6,555 |
| Assets per employee ($millions) | 3.3890% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6732% | 1,204 |
| Loan loss allowance to noncurrent loans | 35.3746% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 8.6537% | 496 |
| Noncurrent loans to loans | 7.5568% | 631 |
| Net loans and leases to total assets | 75.8119% | 1,101 |
| Net loans and leases to deposits | 88.9086% | 1,383 |
| Net loans and leases to core deposits | 99.3281% | 1,402 |
| Total domestic deposits to total assets | 85.2694% | 3,742 |
| Equity capital to assets | 9.9392% | 4,236 |
| Core capital (leverage) ratio | 9.7755% | 3,556 |
| Tier 1 risk-based capital ratio | 13.8913% | 4,242 |
| Total risk-based capital ratio | 15.1595% | 4,201 |
| Memoranda: | ||
| Average total assets | $125,565,670 | 4,312 |
| Average earning assets | $116,362,330 | 4,267 |
| Average equity | $12,168,330 | 4,513 |
| Average total loans | $97,096,000 | 3,763 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0142% | 456 |
| Cost of funding earning assets | 1.7065% | 535 |
| Net interest margin | 4.3076% | 1,539 |
| Noninterest income to average assets | 0.7513% | 2,251 |
| Noninterest expense to average assets | 2.5913% | 5,259 |
| Loan and lease loss provision to assets | 1.4325% | 454 |
| Net operating income to assets | 0.6685% | 3,669 |
| Return on assets (ROA) | 0.6685% | 3,739 |
| Pretax return on assets | 0.7131% | 4,252 |
| Return on Equity (ROE) | 6.9878% | 3,386 |
| Retained earnings to average equity (ytd only) | 6.9878% | 2,149 |
| Net charge-offs to loans | 0.3595% | 2,623 |
| Credit loss provision to net charge-offs | 517.2414% | 696 |
| Earnings coverage of net charge-offs (x) | 7.7471% | 1,902 |
| Efficiency ratio | 54.7043% | 6,626 |
| Assets per employee ($millions) | 3.4184% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4595% | 1,519 |
| Loan loss allowance to noncurrent loans | 30.3368% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 9.4031% | 450 |
| Noncurrent loans to loans | 8.1073% | 605 |
| Net loans and leases to total assets | 75.1281% | 1,158 |
| Net loans and leases to deposits | 88.0396% | 1,458 |
| Net loans and leases to core deposits | 98.1967% | 1,507 |
| Total domestic deposits to total assets | 85.3344% | 3,872 |
| Equity capital to assets | 9.5857% | 4,328 |
| Core capital (leverage) ratio | 9.5476% | 3,730 |
| Tier 1 risk-based capital ratio | 13.4282% | 4,476 |
| Total risk-based capital ratio | 14.7002% | 4,442 |
| Memoranda: | ||
| Average total assets | $125,652,500 | 4,346 |
| Average earning assets | $116,258,500 | 4,293 |
| Average equity | $12,021,000 | 4,544 |
| Average total loans | $96,807,500 | 3,814 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5975% | 281 |
| Cost of funding earning assets | 2.0735% | 469 |
| Net interest margin | 4.5239% | 1,174 |
| Noninterest income to average assets | 0.7745% | 2,405 |
| Noninterest expense to average assets | 2.6048% | 5,396 |
| Loan and lease loss provision to assets | 1.8383% | 746 |
| Net operating income to assets | 0.4457% | 4,332 |
| Return on assets (ROA) | 0.4660% | 4,412 |
| Pretax return on assets | 0.4980% | 4,626 |
| Return on Equity (ROE) | 4.9296% | 4,099 |
| Retained earnings to average equity (ytd only) | 4.9296% | 2,457 |
| Net charge-offs to loans | 2.2854% | 846 |
| Credit loss provision to net charge-offs | 101.3216% | 4,478 |
| Earnings coverage of net charge-offs (x) | 1.2758% | 4,825 |
| Efficiency ratio | 52.9488% | 6,899 |
| Assets per employee ($millions) | 3.5664% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 2,039 |
| Loan loss allowance to noncurrent loans | 44.6225% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 7.4568% | 701 |
| Noncurrent loans to loans | 4.7361% | 1,468 |
| Net loans and leases to total assets | 75.4368% | 1,395 |
| Net loans and leases to deposits | 88.8139% | 1,674 |
| Net loans and leases to core deposits | 99.0095% | 1,702 |
| Total domestic deposits to total assets | 84.9381% | 3,888 |
| Equity capital to assets | 9.5478% | 4,343 |
| Core capital (leverage) ratio | 9.4082% | 3,833 |
| Tier 1 risk-based capital ratio | 13.1346% | 4,497 |
| Total risk-based capital ratio | 14.3976% | 4,447 |
| Memoranda: | ||
| Average total assets | $125,112,800 | 4,375 |
| Average earning assets | $114,635,000 | 4,355 |
| Average equity | $11,826,600 | 4,660 |
| Average total loans | $99,328,200 | 3,815 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5822% | 298 |
| Cost of funding earning assets | 2.1421% | 462 |
| Net interest margin | 4.4401% | 1,399 |
| Noninterest income to average assets | 0.8638% | 1,938 |
| Noninterest expense to average assets | 2.6925% | 4,911 |
| Loan and lease loss provision to assets | 1.5976% | 806 |
| Net operating income to assets | 0.5940% | 3,900 |
| Return on assets (ROA) | 0.6188% | 3,965 |
| Pretax return on assets | 0.6625% | 4,376 |
| Return on Equity (ROE) | 6.5627% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.5627% | 2,060 |
| Net charge-offs to loans | 1.8099% | 1,064 |
| Credit loss provision to net charge-offs | 110.3753% | 3,834 |
| Earnings coverage of net charge-offs (x) | 1.5431% | 4,568 |
| Efficiency ratio | 54.6595% | 6,724 |
| Assets per employee ($millions) | 3.5771% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 1,809 |
| Loan loss allowance to noncurrent loans | 34.4695% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 8.6223% | 551 |
| Noncurrent loans to loans | 6.3811% | 943 |
| Net loans and leases to total assets | 76.1436% | 1,385 |
| Net loans and leases to deposits | 90.2927% | 1,686 |
| Net loans and leases to core deposits | 100.6451% | 1,785 |
| Total domestic deposits to total assets | 84.3297% | 3,944 |
| Equity capital to assets | 9.6239% | 4,660 |
| Core capital (leverage) ratio | 9.4512% | 3,983 |
| Tier 1 risk-based capital ratio | 13.0856% | 4,513 |
| Total risk-based capital ratio | 14.3384% | 4,482 |
| Memoranda: | ||
| Average total assets | $125,184,750 | 4,438 |
| Average earning assets | $114,528,000 | 4,415 |
| Average equity | $11,803,750 | 4,737 |
| Average total loans | $100,111,000 | 3,857 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6663% | 262 |
| Cost of funding earning assets | 2.1941% | 477 |
| Net interest margin | 4.4722% | 1,264 |
| Noninterest income to average assets | 0.9474% | 1,523 |
| Noninterest expense to average assets | 2.7241% | 4,820 |
| Loan and lease loss provision to assets | 1.4379% | 932 |
| Net operating income to assets | 0.8109% | 2,921 |
| Return on assets (ROA) | 0.8436% | 2,912 |
| Pretax return on assets | 0.9043% | 3,473 |
| Return on Equity (ROE) | 9.0087% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.0087% | 1,107 |
| Net charge-offs to loans | 1.6635% | 1,132 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 1.7190% | 4,221 |
| Efficiency ratio | 54.1442% | 6,870 |
| Assets per employee ($millions) | 3.5247% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1162% | 1,936 |
| Loan loss allowance to noncurrent loans | 39.2952% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 8.4709% | 553 |
| Noncurrent loans to loans | 5.3854% | 1,232 |
| Net loans and leases to total assets | 77.3508% | 1,224 |
| Net loans and leases to deposits | 92.4498% | 1,461 |
| Net loans and leases to core deposits | 104.1679% | 1,620 |
| Total domestic deposits to total assets | 83.6678% | 4,257 |
| Equity capital to assets | 9.7119% | 4,391 |
| Core capital (leverage) ratio | 9.4379% | 3,913 |
| Tier 1 risk-based capital ratio | 13.1357% | 4,332 |
| Total risk-based capital ratio | 14.3979% | 4,280 |
| Memoranda: | ||
| Average total assets | $125,180,000 | 4,467 |
| Average earning assets | $114,307,000 | 4,450 |
| Average equity | $11,722,000 | 4,755 |
| Average total loans | $100,989,670 | 3,862 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7323% | 248 |
| Cost of funding earning assets | 2.2290% | 543 |
| Net interest margin | 4.5032% | 1,133 |
| Noninterest income to average assets | 0.7645% | 2,210 |
| Noninterest expense to average assets | 2.7536% | 4,678 |
| Loan and lease loss provision to assets | 1.4276% | 832 |
| Net operating income to assets | 0.6506% | 3,660 |
| Return on assets (ROA) | 0.6535% | 3,762 |
| Pretax return on assets | 0.7011% | 4,227 |
| Return on Equity (ROE) | 7.1080% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.1080% | 2,087 |
| Net charge-offs to loans | 1.0473% | 1,582 |
| Credit loss provision to net charge-offs | 167.2862% | 2,172 |
| Earnings coverage of net charge-offs (x) | 2.4907% | 3,293 |
| Efficiency ratio | 56.4369% | 6,708 |
| Assets per employee ($millions) | 3.6176% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1517% | 1,847 |
| Loan loss allowance to noncurrent loans | 31.8275% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 8.3670% | 579 |
| Noncurrent loans to loans | 6.7606% | 907 |
| Net loans and leases to total assets | 78.4387% | 1,076 |
| Net loans and leases to deposits | 93.6696% | 1,387 |
| Net loans and leases to core deposits | 104.2940% | 1,716 |
| Total domestic deposits to total assets | 83.7398% | 4,269 |
| Equity capital to assets | 9.2271% | 4,953 |
| Core capital (leverage) ratio | 9.1188% | 4,339 |
| Tier 1 risk-based capital ratio | 12.7557% | 4,517 |
| Total risk-based capital ratio | 14.0202% | 4,469 |
| Memoranda: | ||
| Average total assets | $126,088,000 | 4,498 |
| Average earning assets | $115,206,500 | 4,494 |
| Average equity | $11,592,500 | 4,820 |
| Average total loans | $102,741,500 | 3,865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3817% | 157 |
| Cost of funding earning assets | 2.5757% | 839 |
| Net interest margin | 4.8061% | 687 |
| Noninterest income to average assets | 0.7229% | 2,833 |
| Noninterest expense to average assets | 2.6673% | 5,523 |
| Loan and lease loss provision to assets | 3.0066% | 577 |
| Net operating income to assets | -0.5212% | 6,208 |
| Return on assets (ROA) | -0.4901% | 6,162 |
| Pretax return on assets | -0.5240% | 6,027 |
| Return on Equity (ROE) | -4.8878% | 6,201 |
| Retained earnings to average equity (ytd only) | -8.6423% | 6,405 |
| Net charge-offs to loans | 3.0138% | 703 |
| Credit loss provision to net charge-offs | 122.1937% | 4,329 |
| Earnings coverage of net charge-offs (x) | 0.9955% | 5,117 |
| Efficiency ratio | 52.1283% | 7,373 |
| Assets per employee ($millions) | 3.3935% | 5,275 |
| Cash dividends to net income (ytd only)* | -76.8116% | 7,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9263% | 2,202 |
| Loan loss allowance to noncurrent loans | 28.7168% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 8.3243% | 521 |
| Noncurrent loans to loans | 6.7078% | 882 |
| Net loans and leases to total assets | 81.2201% | 808 |
| Net loans and leases to deposits | 97.9786% | 1,105 |
| Net loans and leases to core deposits | 158.5535% | 358 |
| Total domestic deposits to total assets | 82.8958% | 4,566 |
| Equity capital to assets | 9.1606% | 4,900 |
| Core capital (leverage) ratio | 8.7828% | 4,790 |
| Tier 1 risk-based capital ratio | 11.8816% | 5,046 |
| Total risk-based capital ratio | 13.1422% | 4,997 |
| Memoranda: | ||
| Average total assets | $126,719,200 | 4,409 |
| Average earning assets | $115,853,400 | 4,401 |
| Average equity | $12,705,000 | 4,588 |
| Average total loans | $103,457,000 | 3,858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5450% | 137 |
| Cost of funding earning assets | 2.6317% | 948 |
| Net interest margin | 4.9133% | 535 |
| Noninterest income to average assets | 0.7800% | 2,545 |
| Noninterest expense to average assets | 2.6328% | 5,589 |
| Loan and lease loss provision to assets | 1.4172% | 1,355 |
| Net operating income to assets | 1.1554% | 1,571 |
| Return on assets (ROA) | 1.1778% | 1,575 |
| Pretax return on assets | 1.2618% | 2,076 |
| Return on Equity (ROE) | 11.5023% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.6123% | 1,661 |
| Net charge-offs to loans | 0.6852% | 2,643 |
| Credit loss provision to net charge-offs | 254.2373% | 1,684 |
| Earnings coverage of net charge-offs (x) | 4.7627% | 3,018 |
| Efficiency ratio | 49.7915% | 7,572 |
| Assets per employee ($millions) | 3.6339% | 4,597 |
| Cash dividends to net income (ytd only)* | 42.5132% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 1,739 |
| Loan loss allowance to noncurrent loans | 48.8420% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 6.0266% | 893 |
| Noncurrent loans to loans | 4.1426% | 1,752 |
| Net loans and leases to total assets | 81.0954% | 961 |
| Net loans and leases to deposits | 98.5939% | 1,253 |
| Net loans and leases to core deposits | 164.1970% | 330 |
| Total domestic deposits to total assets | 82.2520% | 4,566 |
| Equity capital to assets | 10.4485% | 3,572 |
| Core capital (leverage) ratio | 10.1341% | 3,135 |
| Tier 1 risk-based capital ratio | 13.6184% | 3,769 |
| Total risk-based capital ratio | 14.8686% | 3,707 |
| Memoranda: | ||
| Average total assets | $127,009,000 | 4,426 |
| Average earning assets | $116,525,000 | 4,419 |
| Average equity | $13,005,750 | 4,532 |
| Average total loans | $103,325,500 | 3,897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5363% | 145 |
| Cost of funding earning assets | 2.6797% | 1,078 |
| Net interest margin | 4.8566% | 593 |
| Noninterest income to average assets | 0.8239% | 2,296 |
| Noninterest expense to average assets | 2.6105% | 5,700 |
| Loan and lease loss provision to assets | 0.7168% | 2,286 |
| Net operating income to assets | 1.8411% | 421 |
| Return on assets (ROA) | 1.7503% | 556 |
| Pretax return on assets | 1.8732% | 735 |
| Return on Equity (ROE) | 17.2097% | 562 |
| Retained earnings to average equity (ytd only) | 12.0514% | 435 |
| Net charge-offs to loans | 0.8317% | 2,030 |
| Credit loss provision to net charge-offs | 106.5574% | 4,324 |
| Earnings coverage of net charge-offs (x) | 3.9953% | 3,247 |
| Efficiency ratio | 49.2715% | 7,707 |
| Assets per employee ($millions) | 3.5606% | 4,660 |
| Cash dividends to net income (ytd only)* | 29.9730% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 4,299 |
| Loan loss allowance to noncurrent loans | 30.9024% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 5.1598% | 1,006 |
| Noncurrent loans to loans | 4.1930% | 1,582 |
| Net loans and leases to total assets | 79.5745% | 1,383 |
| Net loans and leases to deposits | 97.5190% | 1,600 |
| Net loans and leases to core deposits | 161.3991% | 431 |
| Total domestic deposits to total assets | 81.5990% | 4,859 |
| Equity capital to assets | 10.3610% | 3,551 |
| Core capital (leverage) ratio | 10.3035% | 2,991 |
| Tier 1 risk-based capital ratio | 13.6416% | 3,732 |
| Total risk-based capital ratio | 14.8916% | 3,657 |
| Memoranda: | ||
| Average total assets | $126,950,000 | 4,454 |
| Average earning assets | $116,954,000 | 4,444 |
| Average equity | $12,911,330 | 4,570 |
| Average total loans | $102,676,670 | 3,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5427% | 159 |
| Cost of funding earning assets | 2.7274% | 1,186 |
| Net interest margin | 4.8154% | 586 |
| Noninterest income to average assets | 0.7061% | 2,851 |
| Noninterest expense to average assets | 2.5615% | 5,605 |
| Loan and lease loss provision to assets | 0.4908% | 2,513 |
| Net operating income to assets | 2.0011% | 351 |
| Return on assets (ROA) | 2.0011% | 399 |
| Pretax return on assets | 2.1372% | 505 |
| Return on Equity (ROE) | 19.8641% | 433 |
| Retained earnings to average equity (ytd only) | 15.3381% | 379 |
| Net charge-offs to loans | 0.8716% | 1,501 |
| Credit loss provision to net charge-offs | 69.5067% | 4,364 |
| Earnings coverage of net charge-offs (x) | 3.7220% | 3,088 |
| Efficiency ratio | 49.3594% | 7,638 |
| Assets per employee ($millions) | 3.5118% | 4,788 |
| Cash dividends to net income (ytd only)* | 22.7848% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 4,590 |
| Loan loss allowance to noncurrent loans | 43.8603% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 4.3283% | 1,132 |
| Noncurrent loans to loans | 2.8037% | 2,334 |
| Net loans and leases to total assets | 78.9692% | 1,591 |
| Net loans and leases to deposits | 96.5878% | 1,857 |
| Net loans and leases to core deposits | 156.9107% | 547 |
| Total domestic deposits to total assets | 81.7590% | 4,653 |
| Equity capital to assets | 10.1682% | 3,801 |
| Core capital (leverage) ratio | 10.0542% | 3,344 |
| Tier 1 risk-based capital ratio | 13.1610% | 4,077 |
| Total risk-based capital ratio | 14.4117% | 3,997 |
| Memoranda: | ||
| Average total assets | $126,333,500 | 4,487 |
| Average earning assets | $117,623,000 | 4,439 |
| Average equity | $12,726,500 | 4,649 |
| Average total loans | $102,345,000 | 3,969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1907% | 151 |
| Cost of funding earning assets | 3.1953% | 1,207 |
| Net interest margin | 4.9953% | 513 |
| Noninterest income to average assets | 0.8290% | 2,357 |
| Noninterest expense to average assets | 2.4036% | 6,377 |
| Loan and lease loss provision to assets | 0.8905% | 1,675 |
| Net operating income to assets | 2.1322% | 272 |
| Return on assets (ROA) | 2.1721% | 249 |
| Pretax return on assets | 2.3251% | 288 |
| Return on Equity (ROE) | 22.7265% | 229 |
| Retained earnings to average equity (ytd only) | 10.7830% | 354 |
| Net charge-offs to loans | 1.0736% | 1,138 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 3.5627% | 4,309 |
| Efficiency ratio | 43.1039% | 8,036 |
| Assets per employee ($millions) | 3.6069% | 4,396 |
| Cash dividends to net income (ytd only)* | 52.5531% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 4,018 |
| Loan loss allowance to noncurrent loans | 60.4426% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 3.5986% | 1,223 |
| Noncurrent loans to loans | 2.0934% | 2,636 |
| Net loans and leases to total assets | 81.0342% | 1,431 |
| Net loans and leases to deposits | 99.6775% | 1,869 |
| Net loans and leases to core deposits | 159.8188% | 578 |
| Total domestic deposits to total assets | 81.2964% | 4,515 |
| Equity capital to assets | 9.9792% | 4,064 |
| Core capital (leverage) ratio | 9.8109% | 3,634 |
| Tier 1 risk-based capital ratio | 13.1853% | 4,007 |
| Total risk-based capital ratio | 14.4366% | 3,918 |
| Memoranda: | ||
| Average total assets | $123,523,400 | 4,433 |
| Average earning assets | $117,389,400 | 4,325 |
| Average equity | $11,805,600 | 4,886 |
| Average total loans | $102,462,400 | 3,887 |