Home > First Jackson Bank, Inc. > Performance and Condition Ratios
First Jackson Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 971 |
| Cost of funding earning assets | 1.9956% | 925 |
| Net interest margin | 3.6657% | 1,820 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.4484% | 4,361 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.6064% | 857 |
| Return on assets (ROA) | 1.6061% | 827 |
| Pretax return on assets | 2.1256% | 544 |
| Return on Equity (ROE) | 15.3500% | 1,223 |
| Retained earnings to average equity (ytd only) | 13.3980% | 461 |
| Net charge-offs to loans | 0.0685% | 1,168 |
| Credit loss provision to net charge-offs | 253.6585% | 1,060 |
| Earnings coverage of net charge-offs (x) | 44.5756% | 1,366 |
| Efficiency ratio | 39.1165% | 4,383 |
| Assets per employee ($millions) | 9.1391% | 941 |
| Cash dividends to net income (ytd only)* | 12.7343% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 3,528 |
| Loan loss allowance to noncurrent loans | 2,204.5113% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,435 |
| Noncurrent loans to loans | 0.0432% | 3,414 |
| Net loans and leases to total assets | 74.1300% | 1,344 |
| Net loans and leases to deposits | 89.4083% | 1,314 |
| Net loans and leases to core deposits | 125.8965% | 486 |
| Total domestic deposits to total assets | 82.9100% | 2,914 |
| Equity capital to assets | 11.2430% | 1,391 |
| Core capital (leverage) ratio | 12.6745% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $405,340,000 | 1,996 |
| Average earning assets | $386,552,800 | 1,961 |
| Average equity | $42,402,000 | 1,801 |
| Average total loans | $299,478,000 | 1,789 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 964 |
| Cost of funding earning assets | 1.8780% | 890 |
| Net interest margin | 3.6664% | 1,850 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.3691% | 4,416 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.7541% | 720 |
| Return on assets (ROA) | 1.7544% | 707 |
| Pretax return on assets | 2.1991% | 556 |
| Return on Equity (ROE) | 17.1000% | 1,059 |
| Retained earnings to average equity (ytd only) | 14.4291% | 621 |
| Net charge-offs to loans | 0.0117% | 1,969 |
| Credit loss provision to net charge-offs | 1,653.8462% | 289 |
| Earnings coverage of net charge-offs (x) | 272.6923% | 480 |
| Efficiency ratio | 36.9049% | 4,430 |
| Assets per employee ($millions) | 9.0058% | 932 |
| Cash dividends to net income (ytd only)* | 15.6003% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,436 |
| Loan loss allowance to noncurrent loans | 6,042.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,726 |
| Noncurrent loans to loans | 0.0163% | 3,670 |
| Net loans and leases to total assets | 74.8700% | 1,252 |
| Net loans and leases to deposits | 90.3988% | 1,204 |
| Net loans and leases to core deposits | 126.8501% | 397 |
| Total domestic deposits to total assets | 82.8200% | 3,044 |
| Equity capital to assets | 10.5471% | 1,535 |
| Core capital (leverage) ratio | 12.4172% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $403,860,000 | 2,004 |
| Average earning assets | $385,290,250 | 1,965 |
| Average equity | $41,443,000 | 1,817 |
| Average total loans | $297,395,500 | 1,802 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 992 |
| Cost of funding earning assets | 1.6864% | 901 |
| Net interest margin | 3.6847% | 1,844 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.3510% | 4,450 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.8398% | 616 |
| Return on assets (ROA) | 1.8419% | 612 |
| Pretax return on assets | 2.2152% | 521 |
| Return on Equity (ROE) | 18.1200% | 938 |
| Retained earnings to average equity (ytd only) | 14.8355% | 577 |
| Net charge-offs to loans | -0.0048% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.1982% | 4,472 |
| Assets per employee ($millions) | 9.6093% | 750 |
| Cash dividends to net income (ytd only)* | 18.1157% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,533 |
| Loan loss allowance to noncurrent loans | 5,930.0000% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,725 |
| Noncurrent loans to loans | 0.0163% | 3,650 |
| Net loans and leases to total assets | 75.0600% | 1,156 |
| Net loans and leases to deposits | 90.6070% | 1,132 |
| Net loans and leases to core deposits | 124.9854% | 413 |
| Total domestic deposits to total assets | 82.8400% | 3,082 |
| Equity capital to assets | 10.4834% | 1,607 |
| Core capital (leverage) ratio | 12.1457% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $403,393,333 | 2,002 |
| Average earning assets | $385,327,667 | 1,961 |
| Average equity | $41,009,667 | 1,844 |
| Average total loans | $294,377,667 | 1,805 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 925 |
| Cost of funding earning assets | 1.5460% | 774 |
| Net interest margin | 3.6778% | 1,947 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.3043% | 4,536 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.8999% | 571 |
| Return on assets (ROA) | 1.8835% | 583 |
| Pretax return on assets | 2.2574% | 523 |
| Return on Equity (ROE) | 18.8200% | 912 |
| Retained earnings to average equity (ytd only) | 12.1508% | 1,238 |
| Net charge-offs to loans | -0.0152% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.1510% | 4,555 |
| Assets per employee ($millions) | 9.3762% | 827 |
| Cash dividends to net income (ytd only)* | 35.4397% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,775 |
| Loan loss allowance to noncurrent loans | 68,975.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,928 |
| Noncurrent loans to loans | 0.0013% | 3,866 |
| Net loans and leases to total assets | 72.9400% | 1,324 |
| Net loans and leases to deposits | 87.6894% | 1,232 |
| Net loans and leases to core deposits | 116.4662% | 524 |
| Total domestic deposits to total assets | 83.1900% | 3,257 |
| Equity capital to assets | 10.2464% | 1,694 |
| Core capital (leverage) ratio | 11.7802% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $403,295,500 | 2,031 |
| Average earning assets | $384,468,500 | 1,987 |
| Average equity | $40,359,500 | 1,885 |
| Average total loans | $288,623,000 | 1,844 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 847 |
| Cost of funding earning assets | 0.9455% | 210 |
| Net interest margin | 3.4725% | 2,025 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.4237% | 4,493 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4766% | 942 |
| Return on assets (ROA) | 1.4541% | 953 |
| Pretax return on assets | 1.9008% | 585 |
| Return on Equity (ROE) | 14.8900% | 1,277 |
| Retained earnings to average equity (ytd only) | 13.0205% | 512 |
| Net charge-offs to loans | -0.0028% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.3440% | 4,508 |
| Assets per employee ($millions) | 8.9648% | 931 |
| Cash dividends to net income (ytd only)* | 12.5411% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 3,655 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.8600% | 1,748 |
| Net loans and leases to deposits | 84.2916% | 1,445 |
| Net loans and leases to core deposits | 102.7221% | 865 |
| Total domestic deposits to total assets | 81.6900% | 3,664 |
| Equity capital to assets | 9.7686% | 1,848 |
| Core capital (leverage) ratio | 11.7895% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $397,560,800 | 2,037 |
| Average earning assets | $369,532,800 | 2,030 |
| Average equity | $38,831,000 | 1,960 |
| Average total loans | $250,336,400 | 1,940 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 793 |
| Cost of funding earning assets | 0.8879% | 109 |
| Net interest margin | 3.3692% | 2,071 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.3761% | 4,526 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4830% | 887 |
| Return on assets (ROA) | 1.4659% | 903 |
| Pretax return on assets | 1.8446% | 664 |
| Return on Equity (ROE) | 15.0100% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.5104% | 692 |
| Net charge-offs to loans | -0.0071% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.2846% | 4,541 |
| Assets per employee ($millions) | 8.7842% | 972 |
| Cash dividends to net income (ytd only)* | 16.6475% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,649 |
| Loan loss allowance to noncurrent loans | 2,846.0674% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,629 |
| Noncurrent loans to loans | 0.0338% | 3,651 |
| Net loans and leases to total assets | 65.9700% | 1,894 |
| Net loans and leases to deposits | 77.1352% | 1,787 |
| Net loans and leases to core deposits | 91.6669% | 1,200 |
| Total domestic deposits to total assets | 85.5300% | 3,166 |
| Equity capital to assets | 9.4430% | 1,919 |
| Core capital (leverage) ratio | 11.2059% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $396,097,500 | 2,057 |
| Average earning assets | $365,932,000 | 2,064 |
| Average equity | $38,686,750 | 1,996 |
| Average total loans | $242,823,000 | 1,983 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 871 |
| Cost of funding earning assets | 0.8925% | 66 |
| Net interest margin | 3.1494% | 2,370 |
| Noninterest income to average assets | 0.2210% | 3,873 |
| Noninterest expense to average assets | 1.3503% | 4,563 |
| Loan and lease loss provision to assets | 0.0908% | 1,090 |
| Net operating income to assets | 1.3721% | 974 |
| Return on assets (ROA) | 1.3614% | 974 |
| Pretax return on assets | 1.6621% | 822 |
| Return on Equity (ROE) | 13.7864% | 1,170 |
| Retained earnings to average equity (ytd only) | 10.0818% | 990 |
| Net charge-offs to loans | -0.0034% | 3,230 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3290% | 4,532 |
| Assets per employee ($millions) | 8.9362% | 906 |
| Cash dividends to net income (ytd only)* | 26.8718% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,631 |
| Loan loss allowance to noncurrent loans | 7,375.7576% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,947 |
| Noncurrent loans to loans | 0.0135% | 3,870 |
| Net loans and leases to total assets | 61.6985% | 2,154 |
| Net loans and leases to deposits | 72.3633% | 2,000 |
| Net loans and leases to core deposits | 85.9372% | 1,341 |
| Total domestic deposits to total assets | 85.2621% | 3,424 |
| Equity capital to assets | 9.6709% | 1,899 |
| Core capital (leverage) ratio | 10.8963% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,367,333 | 2,067 |
| Average earning assets | $364,389,000 | 2,084 |
| Average equity | $39,140,000 | 2,035 |
| Average total loans | $235,991,667 | 2,019 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 901 |
| Cost of funding earning assets | 0.9024% | 57 |
| Net interest margin | 3.0137% | 2,459 |
| Noninterest income to average assets | 0.2191% | 3,843 |
| Noninterest expense to average assets | 1.3529% | 4,577 |
| Loan and lease loss provision to assets | 0.0905% | 916 |
| Net operating income to assets | 1.2322% | 1,165 |
| Return on assets (ROA) | 1.2363% | 1,138 |
| Pretax return on assets | 1.5198% | 980 |
| Return on Equity (ROE) | 12.3937% | 1,198 |
| Retained earnings to average equity (ytd only) | 5.0885% | 2,559 |
| Net charge-offs to loans | 0.0017% | 1,768 |
| Credit loss provision to net charge-offs | 9,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,597.0000% | 41 |
| Efficiency ratio | 45.7356% | 4,503 |
| Assets per employee ($millions) | 9.2789% | 834 |
| Cash dividends to net income (ytd only)* | 58.9431% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,318 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.6924% | 2,093 |
| Net loans and leases to deposits | 69.9529% | 1,972 |
| Net loans and leases to core deposits | 84.8077% | 1,201 |
| Total domestic deposits to total assets | 85.3323% | 3,460 |
| Equity capital to assets | 9.6694% | 2,161 |
| Core capital (leverage) ratio | 10.4778% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,955,500 | 2,062 |
| Average earning assets | $361,687,500 | 2,106 |
| Average equity | $39,697,500 | 2,068 |
| Average total loans | $231,474,000 | 2,038 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 1,138 |
| Cost of funding earning assets | 1.0228% | 71 |
| Net interest margin | 3.0904% | 2,940 |
| Noninterest income to average assets | 0.2274% | 4,018 |
| Noninterest expense to average assets | 1.4125% | 4,615 |
| Loan and lease loss provision to assets | 0.0569% | 1,916 |
| Net operating income to assets | 1.2153% | 1,877 |
| Return on assets (ROA) | 1.2258% | 1,882 |
| Pretax return on assets | 1.5887% | 1,457 |
| Return on Equity (ROE) | 11.5545% | 1,965 |
| Retained earnings to average equity (ytd only) | 9.6714% | 1,001 |
| Net charge-offs to loans | 0.0146% | 2,021 |
| Credit loss provision to net charge-offs | 677.4194% | 681 |
| Earnings coverage of net charge-offs (x) | 194.2581% | 556 |
| Efficiency ratio | 46.3901% | 4,478 |
| Assets per employee ($millions) | 9.2307% | 858 |
| Cash dividends to net income (ytd only)* | 16.2981% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,421 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.4750% | 2,686 |
| Net loans and leases to deposits | 65.9736% | 2,519 |
| Net loans and leases to core deposits | 80.3966% | 1,562 |
| Total domestic deposits to total assets | 84.0867% | 3,535 |
| Equity capital to assets | 10.2830% | 2,389 |
| Core capital (leverage) ratio | 10.5259% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,910,600 | 2,113 |
| Average earning assets | $336,336,200 | 2,155 |
| Average equity | $39,136,200 | 2,113 |
| Average total loans | $211,822,000 | 2,162 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 1,136 |
| Cost of funding earning assets | 1.0540% | 71 |
| Net interest margin | 3.1267% | 2,979 |
| Noninterest income to average assets | 0.2314% | 4,018 |
| Noninterest expense to average assets | 1.4250% | 4,665 |
| Loan and lease loss provision to assets | 0.0553% | 1,883 |
| Net operating income to assets | 1.2875% | 1,862 |
| Return on assets (ROA) | 1.3027% | 1,876 |
| Pretax return on assets | 1.6180% | 1,645 |
| Return on Equity (ROE) | 12.1771% | 1,993 |
| Retained earnings to average equity (ytd only) | 9.6391% | 1,439 |
| Net charge-offs to loans | 0.0121% | 1,882 |
| Credit loss provision to net charge-offs | 789.4737% | 596 |
| Earnings coverage of net charge-offs (x) | 236.3684% | 504 |
| Efficiency ratio | 46.2735% | 4,486 |
| Assets per employee ($millions) | 8.7676% | 971 |
| Cash dividends to net income (ytd only)* | 20.8428% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,572 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.5042% | 2,425 |
| Net loans and leases to deposits | 70.1815% | 2,224 |
| Net loans and leases to core deposits | 86.8961% | 1,226 |
| Total domestic deposits to total assets | 83.3613% | 3,619 |
| Equity capital to assets | 10.6868% | 2,272 |
| Core capital (leverage) ratio | 10.6987% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,908,500 | 2,160 |
| Average earning assets | $329,666,750 | 2,211 |
| Average equity | $38,716,500 | 2,150 |
| Average total loans | $209,167,250 | 2,207 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 1,440 |
| Cost of funding earning assets | 1.0740% | 75 |
| Net interest margin | 2.9811% | 3,373 |
| Noninterest income to average assets | 0.2085% | 4,155 |
| Noninterest expense to average assets | 1.4100% | 4,710 |
| Loan and lease loss provision to assets | 0.0841% | 1,460 |
| Net operating income to assets | 1.1366% | 2,408 |
| Return on assets (ROA) | 1.1601% | 2,395 |
| Pretax return on assets | 1.4616% | 2,130 |
| Return on Equity (ROE) | 10.8400% | 2,484 |
| Retained earnings to average equity (ytd only) | 6.9805% | 2,440 |
| Net charge-offs to loans | 0.0205% | 1,529 |
| Credit loss provision to net charge-offs | 714.2857% | 572 |
| Earnings coverage of net charge-offs (x) | 128.8095% | 648 |
| Efficiency ratio | 48.1900% | 4,373 |
| Assets per employee ($millions) | 8.2832% | 1,087 |
| Cash dividends to net income (ytd only)* | 35.6039% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,760 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.9868% | 2,673 |
| Net loans and leases to deposits | 69.7246% | 2,440 |
| Net loans and leases to core deposits | 87.8259% | 1,278 |
| Total domestic deposits to total assets | 83.1655% | 3,668 |
| Equity capital to assets | 10.6654% | 2,254 |
| Core capital (leverage) ratio | 10.5687% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,875,667 | 2,176 |
| Average earning assets | $325,317,667 | 2,219 |
| Average equity | $38,192,000 | 2,166 |
| Average total loans | $204,634,000 | 2,248 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 1,431 |
| Cost of funding earning assets | 1.0839% | 94 |
| Net interest margin | 2.9994% | 3,255 |
| Noninterest income to average assets | 0.1915% | 4,238 |
| Noninterest expense to average assets | 1.4388% | 4,704 |
| Loan and lease loss provision to assets | 0.0680% | 1,794 |
| Net operating income to assets | 1.1799% | 2,233 |
| Return on assets (ROA) | 1.2212% | 2,144 |
| Pretax return on assets | 1.5101% | 1,966 |
| Return on Equity (ROE) | 11.3916% | 2,230 |
| Retained earnings to average equity (ytd only) | 4.8715% | 3,263 |
| Net charge-offs to loans | 0.0699% | 854 |
| Credit loss provision to net charge-offs | 171.4286% | 941 |
| Earnings coverage of net charge-offs (x) | 38.5143% | 992 |
| Efficiency ratio | 48.5103% | 4,304 |
| Assets per employee ($millions) | 8.1800% | 1,113 |
| Cash dividends to net income (ytd only)* | 57.2356% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,729 |
| Loan loss allowance to noncurrent loans | 5,988.5714% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 2,683 |
| Noncurrent loans to loans | 0.0172% | 4,207 |
| Net loans and leases to total assets | 56.0074% | 3,034 |
| Net loans and leases to deposits | 67.3450% | 2,774 |
| Net loans and leases to core deposits | 79.8753% | 2,011 |
| Total domestic deposits to total assets | 83.1650% | 3,650 |
| Equity capital to assets | 10.5278% | 2,247 |
| Core capital (leverage) ratio | 10.6580% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,084,000 | 2,172 |
| Average earning assets | $326,594,000 | 2,192 |
| Average equity | $37,852,500 | 2,165 |
| Average total loans | $200,182,000 | 2,283 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 849 |
| Cost of funding earning assets | 1.4009% | 127 |
| Net interest margin | 3.3246% | 3,003 |
| Noninterest income to average assets | 0.1630% | 4,479 |
| Noninterest expense to average assets | 1.6039% | 4,702 |
| Loan and lease loss provision to assets | 0.1011% | 3,071 |
| Net operating income to assets | 1.1384% | 1,772 |
| Return on assets (ROA) | 1.1404% | 1,888 |
| Pretax return on assets | 1.4481% | 1,518 |
| Return on Equity (ROE) | 10.0820% | 1,973 |
| Retained earnings to average equity (ytd only) | 7.3750% | 1,245 |
| Net charge-offs to loans | 0.0578% | 1,953 |
| Credit loss provision to net charge-offs | 275.8621% | 1,821 |
| Earnings coverage of net charge-offs (x) | 42.1983% | 1,337 |
| Efficiency ratio | 50.9076% | 4,474 |
| Assets per employee ($millions) | 7.8692% | 1,082 |
| Cash dividends to net income (ytd only)* | 26.8495% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,674 |
| Loan loss allowance to noncurrent loans | 101.3705% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 1,106 |
| Noncurrent loans to loans | 1.0387% | 1,370 |
| Net loans and leases to total assets | 56.2069% | 3,281 |
| Net loans and leases to deposits | 68.0885% | 3,065 |
| Net loans and leases to core deposits | 81.8122% | 2,209 |
| Total domestic deposits to total assets | 82.5497% | 3,525 |
| Equity capital to assets | 10.9208% | 2,325 |
| Core capital (leverage) ratio | 10.8309% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,473,000 | 2,206 |
| Average earning assets | $284,396,200 | 2,262 |
| Average equity | $35,796,400 | 2,188 |
| Average total loans | $200,672,800 | 2,230 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 756 |
| Cost of funding earning assets | 1.4783% | 131 |
| Net interest margin | 3.4064% | 2,898 |
| Noninterest income to average assets | 0.1929% | 4,319 |
| Noninterest expense to average assets | 1.5476% | 4,770 |
| Loan and lease loss provision to assets | 0.1123% | 2,917 |
| Net operating income to assets | 1.2209% | 1,575 |
| Return on assets (ROA) | 1.2236% | 1,685 |
| Pretax return on assets | 1.5847% | 1,224 |
| Return on Equity (ROE) | 10.7141% | 1,779 |
| Retained earnings to average equity (ytd only) | 7.5029% | 1,495 |
| Net charge-offs to loans | 0.0397% | 2,063 |
| Credit loss provision to net charge-offs | 433.3333% | 1,397 |
| Earnings coverage of net charge-offs (x) | 65.4167% | 1,045 |
| Efficiency ratio | 47.7503% | 4,622 |
| Assets per employee ($millions) | 7.7053% | 1,122 |
| Cash dividends to net income (ytd only)* | 29.9718% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,609 |
| Loan loss allowance to noncurrent loans | 577.3743% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 1,923 |
| Noncurrent loans to loans | 0.1769% | 3,674 |
| Net loans and leases to total assets | 59.0892% | 3,315 |
| Net loans and leases to deposits | 71.7286% | 3,159 |
| Net loans and leases to core deposits | 89.3574% | 2,031 |
| Total domestic deposits to total assets | 82.3788% | 3,320 |
| Equity capital to assets | 10.9254% | 2,447 |
| Core capital (leverage) ratio | 11.0807% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,029,750 | 2,224 |
| Average earning assets | $276,535,000 | 2,291 |
| Average equity | $35,292,250 | 2,207 |
| Average total loans | $201,669,750 | 2,215 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 687 |
| Cost of funding earning assets | 1.5211% | 154 |
| Net interest margin | 3.5810% | 2,543 |
| Noninterest income to average assets | 0.2100% | 4,231 |
| Noninterest expense to average assets | 1.5423% | 4,824 |
| Loan and lease loss provision to assets | 0.1538% | 2,464 |
| Net operating income to assets | 1.3923% | 1,130 |
| Return on assets (ROA) | 1.3885% | 1,228 |
| Pretax return on assets | 1.7055% | 990 |
| Return on Equity (ROE) | 11.9622% | 1,342 |
| Retained earnings to average equity (ytd only) | 7.7558% | 1,381 |
| Net charge-offs to loans | 0.0437% | 1,872 |
| Credit loss provision to net charge-offs | 522.7273% | 1,195 |
| Earnings coverage of net charge-offs (x) | 63.3409% | 931 |
| Efficiency ratio | 45.2778% | 4,761 |
| Assets per employee ($millions) | 7.6887% | 1,090 |
| Cash dividends to net income (ytd only)* | 35.1638% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,579 |
| Loan loss allowance to noncurrent loans | 579.9435% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 1,978 |
| Noncurrent loans to loans | 0.1724% | 3,758 |
| Net loans and leases to total assets | 62.9537% | 3,013 |
| Net loans and leases to deposits | 77.1447% | 2,745 |
| Net loans and leases to core deposits | 96.9637% | 1,500 |
| Total domestic deposits to total assets | 81.6048% | 3,471 |
| Equity capital to assets | 11.2397% | 2,156 |
| Core capital (leverage) ratio | 11.5837% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,028,000 | 2,261 |
| Average earning assets | $266,907,000 | 2,324 |
| Average equity | $34,709,333 | 2,221 |
| Average total loans | $201,426,333 | 2,209 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 639 |
| Cost of funding earning assets | 1.4919% | 283 |
| Net interest margin | 3.7274% | 2,227 |
| Noninterest income to average assets | 0.2327% | 4,156 |
| Noninterest expense to average assets | 1.6051% | 4,853 |
| Loan and lease loss provision to assets | 0.1951% | 1,550 |
| Net operating income to assets | 1.4947% | 792 |
| Return on assets (ROA) | 1.4756% | 904 |
| Pretax return on assets | 1.8239% | 663 |
| Return on Equity (ROE) | 12.4897% | 990 |
| Retained earnings to average equity (ytd only) | 3.8802% | 2,723 |
| Net charge-offs to loans | 0.0180% | 2,012 |
| Credit loss provision to net charge-offs | 1,555.5556% | 413 |
| Earnings coverage of net charge-offs (x) | 162.8889% | 405 |
| Efficiency ratio | 44.0031% | 4,881 |
| Assets per employee ($millions) | 6.8587% | 1,160 |
| Cash dividends to net income (ytd only)* | 68.9330% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,774 |
| Loan loss allowance to noncurrent loans | 481.4458% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 1,932 |
| Noncurrent loans to loans | 0.2051% | 3,749 |
| Net loans and leases to total assets | 67.9255% | 2,550 |
| Net loans and leases to deposits | 83.9370% | 2,235 |
| Net loans and leases to core deposits | 105.2894% | 1,101 |
| Total domestic deposits to total assets | 80.9244% | 3,683 |
| Equity capital to assets | 11.3300% | 2,563 |
| Core capital (leverage) ratio | 12.1528% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,079,000 | 2,279 |
| Average earning assets | $263,024,500 | 2,303 |
| Average equity | $33,916,000 | 2,250 |
| Average total loans | $199,466,000 | 2,191 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 862 |
| Cost of funding earning assets | 1.4617% | 444 |
| Net interest margin | 3.8129% | 2,462 |
| Noninterest income to average assets | 0.2229% | 4,330 |
| Noninterest expense to average assets | 1.7645% | 4,810 |
| Loan and lease loss provision to assets | 0.1111% | 1,876 |
| Net operating income to assets | 1.4566% | 1,168 |
| Return on assets (ROA) | 1.4923% | 1,135 |
| Pretax return on assets | 1.8815% | 775 |
| Return on Equity (ROE) | 12.5475% | 1,314 |
| Retained earnings to average equity (ytd only) | 9.7920% | 536 |
| Net charge-offs to loans | 0.0637% | 2,188 |
| Credit loss provision to net charge-offs | 254.2373% | 1,077 |
| Earnings coverage of net charge-offs (x) | 44.5678% | 1,217 |
| Efficiency ratio | 47.5359% | 4,855 |
| Assets per employee ($millions) | 6.3462% | 1,390 |
| Cash dividends to net income (ytd only)* | 21.9603% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 3,745 |
| Loan loss allowance to noncurrent loans | 7,468.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,125 |
| Noncurrent loans to loans | 0.0127% | 4,533 |
| Net loans and leases to total assets | 69.7402% | 2,443 |
| Net loans and leases to deposits | 85.8152% | 2,118 |
| Net loans and leases to core deposits | 105.5079% | 1,141 |
| Total domestic deposits to total assets | 81.2679% | 3,710 |
| Equity capital to assets | 12.3256% | 1,937 |
| Core capital (leverage) ratio | 12.3794% | 1,549 |
| Tier 1 risk-based capital ratio | 16.6086% | 2,182 |
| Total risk-based capital ratio | 17.5161% | 2,252 |
| Memoranda: | ||
| Average total assets | $270,047,000 | 2,332 |
| Average earning assets | $247,111,400 | 2,356 |
| Average equity | $32,118,000 | 2,297 |
| Average total loans | $185,313,800 | 2,271 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 866 |
| Cost of funding earning assets | 1.4499% | 482 |
| Net interest margin | 3.8474% | 2,448 |
| Noninterest income to average assets | 0.2475% | 4,258 |
| Noninterest expense to average assets | 1.6841% | 4,938 |
| Loan and lease loss provision to assets | 0.1344% | 1,430 |
| Net operating income to assets | 1.5616% | 1,023 |
| Return on assets (ROA) | 1.5825% | 1,024 |
| Pretax return on assets | 1.9485% | 773 |
| Return on Equity (ROE) | 13.4331% | 1,130 |
| Retained earnings to average equity (ytd only) | 10.1995% | 708 |
| Net charge-offs to loans | 0.0774% | 1,718 |
| Credit loss provision to net charge-offs | 254.7170% | 1,078 |
| Earnings coverage of net charge-offs (x) | 38.9716% | 1,395 |
| Efficiency ratio | 45.0153% | 4,977 |
| Assets per employee ($millions) | 6.2789% | 1,405 |
| Cash dividends to net income (ytd only)* | 24.0716% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,761 |
| Loan loss allowance to noncurrent loans | 1,886.7347% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,557 |
| Noncurrent loans to loans | 0.0511% | 4,417 |
| Net loans and leases to total assets | 68.6978% | 2,672 |
| Net loans and leases to deposits | 84.4481% | 2,395 |
| Net loans and leases to core deposits | 103.1787% | 1,396 |
| Total domestic deposits to total assets | 81.3491% | 3,652 |
| Equity capital to assets | 12.2300% | 2,094 |
| Core capital (leverage) ratio | 12.4730% | 1,585 |
| Tier 1 risk-based capital ratio | 16.6541% | 2,204 |
| Total risk-based capital ratio | 17.5751% | 2,259 |
| Memoranda: | ||
| Average total assets | $267,750,750 | 2,361 |
| Average earning assets | $243,136,000 | 2,400 |
| Average equity | $31,543,250 | 2,338 |
| Average total loans | $182,491,250 | 2,315 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 879 |
| Cost of funding earning assets | 1.4195% | 493 |
| Net interest margin | 3.8398% | 2,437 |
| Noninterest income to average assets | 0.2605% | 4,196 |
| Noninterest expense to average assets | 1.6821% | 4,990 |
| Loan and lease loss provision to assets | 0.1359% | 1,367 |
| Net operating income to assets | 1.5639% | 979 |
| Return on assets (ROA) | 1.5719% | 1,005 |
| Pretax return on assets | 1.9342% | 782 |
| Return on Equity (ROE) | 13.5217% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.5533% | 1,182 |
| Net charge-offs to loans | 0.1037% | 1,354 |
| Credit loss provision to net charge-offs | 193.5484% | 1,250 |
| Earnings coverage of net charge-offs (x) | 29.3441% | 1,488 |
| Efficiency ratio | 44.9465% | 5,028 |
| Assets per employee ($millions) | 6.1041% | 1,470 |
| Cash dividends to net income (ytd only)* | 36.7435% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,707 |
| Loan loss allowance to noncurrent loans | 1,158.1699% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,289 |
| Noncurrent loans to loans | 0.0852% | 4,301 |
| Net loans and leases to total assets | 66.2260% | 3,077 |
| Net loans and leases to deposits | 81.3837% | 2,801 |
| Net loans and leases to core deposits | 97.2892% | 1,947 |
| Total domestic deposits to total assets | 81.3749% | 3,703 |
| Equity capital to assets | 12.0523% | 2,147 |
| Core capital (leverage) ratio | 12.3138% | 1,628 |
| Tier 1 risk-based capital ratio | 16.4455% | 2,260 |
| Total risk-based capital ratio | 17.3466% | 2,316 |
| Memoranda: | ||
| Average total assets | $264,910,670 | 2,386 |
| Average earning assets | $240,218,330 | 2,433 |
| Average equity | $30,795,000 | 2,365 |
| Average total loans | $179,441,330 | 2,348 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2274% | 863 |
| Cost of funding earning assets | 1.3575% | 533 |
| Net interest margin | 3.8699% | 2,282 |
| Noninterest income to average assets | 0.2539% | 4,193 |
| Noninterest expense to average assets | 1.7181% | 5,005 |
| Loan and lease loss provision to assets | 0.1368% | 1,268 |
| Net operating income to assets | 1.5722% | 953 |
| Return on assets (ROA) | 1.5722% | 981 |
| Pretax return on assets | 1.9143% | 768 |
| Return on Equity (ROE) | 13.7832% | 1,014 |
| Retained earnings to average equity (ytd only) | 5.1854% | 2,823 |
| Net charge-offs to loans | 0.1740% | 786 |
| Credit loss provision to net charge-offs | 115.3846% | 1,450 |
| Earnings coverage of net charge-offs (x) | 17.2949% | 1,665 |
| Efficiency ratio | 45.5829% | 5,044 |
| Assets per employee ($millions) | 5.7352% | 1,760 |
| Cash dividends to net income (ytd only)* | 62.3791% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,917 |
| Loan loss allowance to noncurrent loans | 5,303.1250% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 3,517 |
| Noncurrent loans to loans | 0.0181% | 4,700 |
| Net loans and leases to total assets | 66.2222% | 3,022 |
| Net loans and leases to deposits | 81.0045% | 2,728 |
| Net loans and leases to core deposits | 96.0795% | 1,921 |
| Total domestic deposits to total assets | 81.7513% | 3,792 |
| Equity capital to assets | 11.6283% | 2,293 |
| Core capital (leverage) ratio | 12.2256% | 1,643 |
| Tier 1 risk-based capital ratio | 16.2618% | 2,348 |
| Total risk-based capital ratio | 17.1403% | 2,423 |
| Memoranda: | ||
| Average total assets | $263,076,500 | 2,419 |
| Average earning assets | $238,969,500 | 2,461 |
| Average equity | $30,007,500 | 2,411 |
| Average total loans | $179,341,500 | 2,376 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 854 |
| Cost of funding earning assets | 1.1331% | 449 |
| Net interest margin | 3.9621% | 2,119 |
| Noninterest income to average assets | 0.2990% | 4,105 |
| Noninterest expense to average assets | 1.9264% | 4,857 |
| Loan and lease loss provision to assets | 0.1411% | 1,523 |
| Net operating income to assets | 1.4874% | 1,154 |
| Return on assets (ROA) | 1.5184% | 1,056 |
| Pretax return on assets | 1.9217% | 676 |
| Return on Equity (ROE) | 13.8817% | 1,073 |
| Retained earnings to average equity (ytd only) | 11.0652% | 425 |
| Net charge-offs to loans | 0.1054% | 1,704 |
| Credit loss provision to net charge-offs | 194.5946% | 1,478 |
| Earnings coverage of net charge-offs (x) | 27.9081% | 1,673 |
| Efficiency ratio | 48.7696% | 5,008 |
| Assets per employee ($millions) | 5.9621% | 1,552 |
| Cash dividends to net income (ytd only)* | 20.2891% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 4,069 |
| Loan loss allowance to noncurrent loans | 556.1056% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 2,931 |
| Noncurrent loans to loans | 0.1662% | 4,000 |
| Net loans and leases to total assets | 68.8414% | 2,758 |
| Net loans and leases to deposits | 82.6327% | 2,662 |
| Net loans and leases to core deposits | 97.3904% | 1,928 |
| Total domestic deposits to total assets | 83.3101% | 3,222 |
| Equity capital to assets | 11.1832% | 2,529 |
| Core capital (leverage) ratio | 12.0849% | 1,678 |
| Tier 1 risk-based capital ratio | 15.8167% | 2,491 |
| Total risk-based capital ratio | 16.6758% | 2,572 |
| Memoranda: | ||
| Average total assets | $255,143,600 | 2,438 |
| Average earning assets | $235,101,200 | 2,448 |
| Average equity | $27,907,200 | 2,462 |
| Average total loans | $175,511,600 | 2,371 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0430% | 857 |
| Cost of funding earning assets | 1.0810% | 429 |
| Net interest margin | 3.9621% | 2,083 |
| Noninterest income to average assets | 0.3116% | 4,062 |
| Noninterest expense to average assets | 1.8814% | 4,935 |
| Loan and lease loss provision to assets | 0.1421% | 1,404 |
| Net operating income to assets | 1.5942% | 976 |
| Return on assets (ROA) | 1.6378% | 875 |
| Pretax return on assets | 1.9946% | 629 |
| Return on Equity (ROE) | 15.0609% | 862 |
| Retained earnings to average equity (ytd only) | 11.8280% | 506 |
| Net charge-offs to loans | 0.1227% | 1,283 |
| Credit loss provision to net charge-offs | 168.7500% | 1,577 |
| Earnings coverage of net charge-offs (x) | 24.7435% | 1,802 |
| Efficiency ratio | 47.4516% | 5,076 |
| Assets per employee ($millions) | 5.7548% | 1,683 |
| Cash dividends to net income (ytd only)* | 21.4652% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,301 |
| Loan loss allowance to noncurrent loans | 434.3164% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 3,621 |
| Noncurrent loans to loans | 0.2051% | 3,983 |
| Net loans and leases to total assets | 69.5974% | 2,708 |
| Net loans and leases to deposits | 83.3814% | 2,668 |
| Net loans and leases to core deposits | 98.3086% | 1,913 |
| Total domestic deposits to total assets | 83.4688% | 3,133 |
| Equity capital to assets | 10.9926% | 2,674 |
| Core capital (leverage) ratio | 12.0094% | 1,782 |
| Tier 1 risk-based capital ratio | 15.5585% | 2,623 |
| Total risk-based capital ratio | 16.3882% | 2,744 |
| Memoranda: | ||
| Average total assets | $253,346,500 | 2,467 |
| Average earning assets | $233,609,500 | 2,471 |
| Average equity | $27,549,750 | 2,486 |
| Average total loans | $173,820,000 | 2,402 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 897 |
| Cost of funding earning assets | 1.0335% | 398 |
| Net interest margin | 3.9266% | 2,119 |
| Noninterest income to average assets | 0.3340% | 3,948 |
| Noninterest expense to average assets | 1.8825% | 4,980 |
| Loan and lease loss provision to assets | 0.1432% | 1,351 |
| Net operating income to assets | 1.5923% | 932 |
| Return on assets (ROA) | 1.6590% | 796 |
| Pretax return on assets | 2.0026% | 603 |
| Return on Equity (ROE) | 15.3135% | 790 |
| Retained earnings to average equity (ytd only) | 10.4096% | 816 |
| Net charge-offs to loans | 0.1297% | 1,141 |
| Credit loss provision to net charge-offs | 162.1622% | 1,501 |
| Earnings coverage of net charge-offs (x) | 23.3964% | 1,711 |
| Efficiency ratio | 47.6833% | 5,131 |
| Assets per employee ($millions) | 5.7167% | 1,706 |
| Cash dividends to net income (ytd only)* | 32.0230% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,379 |
| Loan loss allowance to noncurrent loans | 342.5163% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 3,546 |
| Noncurrent loans to loans | 0.2600% | 3,772 |
| Net loans and leases to total assets | 68.3088% | 2,826 |
| Net loans and leases to deposits | 83.1559% | 2,628 |
| Net loans and leases to core deposits | 97.1017% | 1,952 |
| Total domestic deposits to total assets | 82.1455% | 3,667 |
| Equity capital to assets | 10.7759% | 2,860 |
| Core capital (leverage) ratio | 11.9541% | 1,746 |
| Tier 1 risk-based capital ratio | 15.2915% | 2,733 |
| Total risk-based capital ratio | 16.1140% | 2,860 |
| Memoranda: | ||
| Average total assets | $251,473,670 | 2,494 |
| Average earning assets | $231,447,000 | 2,501 |
| Average equity | $27,244,000 | 2,519 |
| Average total loans | $171,142,330 | 2,451 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9059% | 861 |
| Cost of funding earning assets | 1.0203% | 336 |
| Net interest margin | 3.8857% | 2,103 |
| Noninterest income to average assets | 0.2639% | 4,417 |
| Noninterest expense to average assets | 1.9213% | 4,990 |
| Loan and lease loss provision to assets | 0.1448% | 1,289 |
| Net operating income to assets | 1.4689% | 1,154 |
| Return on assets (ROA) | 1.6220% | 818 |
| Pretax return on assets | 1.9695% | 614 |
| Return on Equity (ROE) | 14.9303% | 812 |
| Retained earnings to average equity (ytd only) | 6.6209% | 2,449 |
| Net charge-offs to loans | 0.2118% | 703 |
| Credit loss provision to net charge-offs | 101.1236% | 1,529 |
| Earnings coverage of net charge-offs (x) | 13.4607% | 1,753 |
| Efficiency ratio | 49.9164% | 5,090 |
| Assets per employee ($millions) | 5.3556% | 2,086 |
| Cash dividends to net income (ytd only)* | 55.6548% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,438 |
| Loan loss allowance to noncurrent loans | 469.2547% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 3,818 |
| Noncurrent loans to loans | 0.1923% | 4,102 |
| Net loans and leases to total assets | 67.3414% | 2,846 |
| Net loans and leases to deposits | 77.5619% | 3,057 |
| Net loans and leases to core deposits | 90.5845% | 2,408 |
| Total domestic deposits to total assets | 86.8228% | 2,194 |
| Equity capital to assets | 10.8976% | 2,683 |
| Core capital (leverage) ratio | 11.6041% | 1,927 |
| Tier 1 risk-based capital ratio | 15.6280% | 2,619 |
| Total risk-based capital ratio | 16.4600% | 2,720 |
| Memoranda: | ||
| Average total assets | $248,585,000 | 2,528 |
| Average earning assets | $229,355,000 | 2,536 |
| Average equity | $27,005,500 | 2,553 |
| Average total loans | $168,061,500 | 2,494 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 1,040 |
| Cost of funding earning assets | 0.9842% | 237 |
| Net interest margin | 3.7823% | 2,493 |
| Noninterest income to average assets | 0.2693% | 4,510 |
| Noninterest expense to average assets | 2.3328% | 4,250 |
| Loan and lease loss provision to assets | 0.1621% | 1,382 |
| Net operating income to assets | 0.9955% | 2,266 |
| Return on assets (ROA) | 1.1186% | 1,824 |
| Pretax return on assets | 1.4161% | 1,938 |
| Return on Equity (ROE) | 10.2489% | 1,788 |
| Retained earnings to average equity (ytd only) | 7.4887% | 925 |
| Net charge-offs to loans | 0.2519% | 1,039 |
| Credit loss provision to net charge-offs | 99.7442% | 2,608 |
| Earnings coverage of net charge-offs (x) | 8.7545% | 2,870 |
| Efficiency ratio | 62.1224% | 3,921 |
| Assets per employee ($millions) | 5.4524% | 1,984 |
| Cash dividends to net income (ytd only)* | 26.9316% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,495 |
| Loan loss allowance to noncurrent loans | 490.2597% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 4,123 |
| Noncurrent loans to loans | 0.1826% | 4,188 |
| Net loans and leases to total assets | 66.6639% | 3,010 |
| Net loans and leases to deposits | 77.0522% | 3,223 |
| Net loans and leases to core deposits | 89.2234% | 2,633 |
| Total domestic deposits to total assets | 86.5178% | 2,223 |
| Equity capital to assets | 10.8304% | 2,806 |
| Core capital (leverage) ratio | 10.8145% | 2,525 |
| Tier 1 risk-based capital ratio | 14.6179% | 3,030 |
| Total risk-based capital ratio | 15.4542% | 3,145 |
| Memoranda: | ||
| Average total assets | $240,656,400 | 2,560 |
| Average earning assets | $221,797,600 | 2,568 |
| Average equity | $26,266,200 | 2,593 |
| Average total loans | $155,229,400 | 2,597 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 1,024 |
| Cost of funding earning assets | 0.9841% | 211 |
| Net interest margin | 3.7681% | 2,511 |
| Noninterest income to average assets | 0.2844% | 4,490 |
| Noninterest expense to average assets | 2.0040% | 4,940 |
| Loan and lease loss provision to assets | 0.1512% | 1,376 |
| Net operating income to assets | 1.2772% | 1,413 |
| Return on assets (ROA) | 1.4452% | 1,013 |
| Pretax return on assets | 1.8080% | 872 |
| Return on Equity (ROE) | 13.2144% | 1,009 |
| Retained earnings to average equity (ytd only) | 10.0247% | 579 |
| Net charge-offs to loans | 0.2941% | 721 |
| Credit loss provision to net charge-offs | 80.5970% | 2,573 |
| Earnings coverage of net charge-offs (x) | 9.3253% | 2,704 |
| Efficiency ratio | 53.3940% | 4,979 |
| Assets per employee ($millions) | 5.3237% | 2,094 |
| Cash dividends to net income (ytd only)* | 24.1380% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 4,511 |
| Loan loss allowance to noncurrent loans | 139.1723% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 2,772 |
| Noncurrent loans to loans | 0.6554% | 2,739 |
| Net loans and leases to total assets | 65.5668% | 3,166 |
| Net loans and leases to deposits | 76.4642% | 3,327 |
| Net loans and leases to core deposits | 85.4895% | 3,011 |
| Total domestic deposits to total assets | 85.7483% | 2,408 |
| Equity capital to assets | 11.4733% | 2,406 |
| Core capital (leverage) ratio | 11.4637% | 2,044 |
| Tier 1 risk-based capital ratio | 15.9584% | 2,526 |
| Total risk-based capital ratio | 16.8081% | 2,632 |
| Memoranda: | ||
| Average total assets | $238,117,500 | 2,597 |
| Average earning assets | $219,205,750 | 2,607 |
| Average equity | $26,041,750 | 2,626 |
| Average total loans | $151,859,000 | 2,651 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,048 |
| Cost of funding earning assets | 0.9775% | 193 |
| Net interest margin | 3.7260% | 2,565 |
| Noninterest income to average assets | 0.2853% | 4,512 |
| Noninterest expense to average assets | 2.0014% | 4,975 |
| Loan and lease loss provision to assets | 0.1515% | 1,331 |
| Net operating income to assets | 1.2522% | 1,431 |
| Return on assets (ROA) | 1.4804% | 919 |
| Pretax return on assets | 1.8440% | 755 |
| Return on Equity (ROE) | 13.7635% | 859 |
| Retained earnings to average equity (ytd only) | 8.8888% | 875 |
| Net charge-offs to loans | 0.0348% | 2,495 |
| Credit loss provision to net charge-offs | 692.3077% | 507 |
| Earnings coverage of net charge-offs (x) | 78.1538% | 783 |
| Efficiency ratio | 53.9229% | 5,024 |
| Assets per employee ($millions) | 5.2807% | 2,079 |
| Cash dividends to net income (ytd only)* | 35.4179% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,654 |
| Loan loss allowance to noncurrent loans | 107.9067% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 2,389 |
| Noncurrent loans to loans | 1.0079% | 1,946 |
| Net loans and leases to total assets | 63.7201% | 3,429 |
| Net loans and leases to deposits | 74.1259% | 3,533 |
| Net loans and leases to core deposits | 83.6681% | 3,104 |
| Total domestic deposits to total assets | 85.9620% | 2,387 |
| Equity capital to assets | 11.2674% | 2,528 |
| Core capital (leverage) ratio | 11.5878% | 1,908 |
| Tier 1 risk-based capital ratio | 16.5295% | 2,310 |
| Total risk-based capital ratio | 17.5349% | 2,340 |
| Memoranda: | ||
| Average total assets | $237,635,000 | 2,617 |
| Average earning assets | $218,520,330 | 2,622 |
| Average equity | $25,560,330 | 2,662 |
| Average total loans | $149,638,330 | 2,681 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,110 |
| Cost of funding earning assets | 0.9426% | 221 |
| Net interest margin | 3.6696% | 2,606 |
| Noninterest income to average assets | 0.2744% | 4,583 |
| Noninterest expense to average assets | 1.9946% | 5,062 |
| Loan and lease loss provision to assets | 0.1515% | 1,220 |
| Net operating income to assets | 1.1581% | 1,633 |
| Return on assets (ROA) | 1.2204% | 1,498 |
| Pretax return on assets | 1.5839% | 1,276 |
| Return on Equity (ROE) | 11.6218% | 1,362 |
| Retained earnings to average equity (ytd only) | 3.0778% | 3,872 |
| Net charge-offs to loans | 0.0784% | 1,550 |
| Credit loss provision to net charge-offs | 310.3448% | 766 |
| Earnings coverage of net charge-offs (x) | 33.8966% | 1,138 |
| Efficiency ratio | 54.6587% | 5,075 |
| Assets per employee ($millions) | 5.2743% | 2,107 |
| Cash dividends to net income (ytd only)* | 73.5172% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,990 |
| Loan loss allowance to noncurrent loans | 123.1010% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 2,765 |
| Noncurrent loans to loans | 0.8510% | 2,332 |
| Net loans and leases to total assets | 62.5588% | 3,457 |
| Net loans and leases to deposits | 72.2121% | 3,590 |
| Net loans and leases to core deposits | 81.2208% | 3,176 |
| Total domestic deposits to total assets | 86.6320% | 2,381 |
| Equity capital to assets | 10.6298% | 3,040 |
| Core capital (leverage) ratio | 11.0395% | 2,322 |
| Tier 1 risk-based capital ratio | 15.5993% | 2,715 |
| Total risk-based capital ratio | 16.5576% | 2,761 |
| Memoranda: | ||
| Average total assets | $237,636,000 | 2,638 |
| Average earning assets | $218,552,000 | 2,652 |
| Average equity | $24,953,000 | 2,715 |
| Average total loans | $147,915,000 | 2,721 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,078 |
| Cost of funding earning assets | 1.2157% | 51 |
| Net interest margin | 3.4742% | 3,529 |
| Noninterest income to average assets | -0.0063% | 5,868 |
| Noninterest expense to average assets | 1.9989% | 5,191 |
| Loan and lease loss provision to assets | 0.1255% | 1,977 |
| Net operating income to assets | 0.7567% | 3,508 |
| Return on assets (ROA) | 0.9239% | 2,825 |
| Pretax return on assets | 1.2360% | 2,527 |
| Return on Equity (ROE) | 8.8212% | 2,507 |
| Retained earnings to average equity (ytd only) | 6.4611% | 1,471 |
| Net charge-offs to loans | 0.3562% | 769 |
| Credit loss provision to net charge-offs | 61.6016% | 3,222 |
| Earnings coverage of net charge-offs (x) | 5.5893% | 3,316 |
| Efficiency ratio | 63.7115% | 3,994 |
| Assets per employee ($millions) | 5.2873% | 2,076 |
| Cash dividends to net income (ytd only)* | 26.7542% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 4,100 |
| Loan loss allowance to noncurrent loans | 111.2666% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 2,427 |
| Noncurrent loans to loans | 0.9315% | 2,229 |
| Net loans and leases to total assets | 60.6349% | 3,785 |
| Net loans and leases to deposits | 70.6780% | 3,839 |
| Net loans and leases to core deposits | 79.8265% | 3,406 |
| Total domestic deposits to total assets | 85.7903% | 2,683 |
| Equity capital to assets | 10.3716% | 3,305 |
| Core capital (leverage) ratio | 10.8574% | 2,480 |
| Tier 1 risk-based capital ratio | 15.8656% | 2,601 |
| Total risk-based capital ratio | 16.7928% | 2,661 |
| Memoranda: | ||
| Average total assets | $239,085,200 | 2,584 |
| Average earning assets | $216,339,800 | 2,635 |
| Average equity | $25,042,000 | 2,717 |
| Average total loans | $136,726,800 | 2,820 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,112 |
| Cost of funding earning assets | 1.2049% | 52 |
| Net interest margin | 3.4746% | 3,563 |
| Noninterest income to average assets | 0.0986% | 5,720 |
| Noninterest expense to average assets | 1.9445% | 5,301 |
| Loan and lease loss provision to assets | 0.1504% | 1,554 |
| Net operating income to assets | 0.9214% | 2,803 |
| Return on assets (ROA) | 1.1619% | 1,865 |
| Pretax return on assets | 1.4376% | 1,922 |
| Return on Equity (ROE) | 11.0661% | 1,644 |
| Retained earnings to average equity (ytd only) | 8.4083% | 1,016 |
| Net charge-offs to loans | 0.4759% | 443 |
| Credit loss provision to net charge-offs | 56.2500% | 2,955 |
| Earnings coverage of net charge-offs (x) | 4.8292% | 3,220 |
| Efficiency ratio | 60.0964% | 4,525 |
| Assets per employee ($millions) | 5.4972% | 1,854 |
| Cash dividends to net income (ytd only)* | 24.0172% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 4,043 |
| Loan loss allowance to noncurrent loans | 126.9625% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 2,341 |
| Noncurrent loans to loans | 0.8397% | 2,582 |
| Net loans and leases to total assets | 57.0885% | 4,186 |
| Net loans and leases to deposits | 66.8510% | 4,260 |
| Net loans and leases to core deposits | 74.9422% | 3,927 |
| Total domestic deposits to total assets | 85.3967% | 2,644 |
| Equity capital to assets | 10.8320% | 3,215 |
| Core capital (leverage) ratio | 10.5534% | 2,935 |
| Tier 1 risk-based capital ratio | 16.1532% | 2,564 |
| Total risk-based capital ratio | 17.1027% | 2,625 |
| Memoranda: | ||
| Average total assets | $239,374,250 | 2,591 |
| Average earning assets | $216,115,750 | 2,646 |
| Average equity | $25,133,250 | 2,722 |
| Average total loans | $134,463,750 | 2,858 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 1,100 |
| Cost of funding earning assets | 1.2132% | 50 |
| Net interest margin | 3.4630% | 3,634 |
| Noninterest income to average assets | 0.1232% | 5,693 |
| Noninterest expense to average assets | 1.9292% | 5,404 |
| Loan and lease loss provision to assets | 0.1509% | 1,517 |
| Net operating income to assets | 0.9782% | 2,477 |
| Return on assets (ROA) | 1.2677% | 1,480 |
| Pretax return on assets | 1.5318% | 1,583 |
| Return on Equity (ROE) | 12.2045% | 1,242 |
| Retained earnings to average equity (ytd only) | 8.1606% | 1,124 |
| Net charge-offs to loans | 0.1612% | 1,367 |
| Credit loss provision to net charge-offs | 168.2243% | 1,468 |
| Earnings coverage of net charge-offs (x) | 14.8692% | 2,033 |
| Efficiency ratio | 59.1213% | 4,753 |
| Assets per employee ($millions) | 5.3918% | 1,894 |
| Cash dividends to net income (ytd only)* | 33.1349% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,656 |
| Loan loss allowance to noncurrent loans | 101.7231% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 1,749 |
| Noncurrent loans to loans | 1.3006% | 1,741 |
| Net loans and leases to total assets | 54.4409% | 4,467 |
| Net loans and leases to deposits | 63.5491% | 4,525 |
| Net loans and leases to core deposits | 72.1445% | 4,162 |
| Total domestic deposits to total assets | 85.6675% | 2,573 |
| Equity capital to assets | 10.5601% | 3,569 |
| Core capital (leverage) ratio | 10.3094% | 3,182 |
| Tier 1 risk-based capital ratio | 15.7409% | 2,767 |
| Total risk-based capital ratio | 16.8679% | 2,755 |
| Memoranda: | ||
| Average total assets | $238,540,000 | 2,611 |
| Average earning assets | $216,287,330 | 2,655 |
| Average equity | $24,777,670 | 2,765 |
| Average total loans | $132,761,000 | 2,888 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,087 |
| Cost of funding earning assets | 1.2142% | 50 |
| Net interest margin | 3.4685% | 3,592 |
| Noninterest income to average assets | 0.1049% | 5,807 |
| Noninterest expense to average assets | 1.9417% | 5,455 |
| Loan and lease loss provision to assets | 0.1522% | 1,389 |
| Net operating income to assets | 0.9988% | 2,285 |
| Return on assets (ROA) | 1.2432% | 1,526 |
| Pretax return on assets | 1.4715% | 1,682 |
| Return on Equity (ROE) | 12.0712% | 1,296 |
| Retained earnings to average equity (ytd only) | 5.1569% | 2,844 |
| Net charge-offs to loans | 0.1029% | 1,510 |
| Credit loss provision to net charge-offs | 264.7059% | 916 |
| Earnings coverage of net charge-offs (x) | 23.1765% | 1,376 |
| Efficiency ratio | 59.2975% | 4,836 |
| Assets per employee ($millions) | 5.2091% | 2,128 |
| Cash dividends to net income (ytd only)* | 57.2789% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,822 |
| Loan loss allowance to noncurrent loans | 109.9687% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 1,854 |
| Noncurrent loans to loans | 1.1972% | 2,026 |
| Net loans and leases to total assets | 54.8684% | 4,368 |
| Net loans and leases to deposits | 63.9142% | 4,447 |
| Net loans and leases to core deposits | 72.7908% | 3,999 |
| Total domestic deposits to total assets | 85.8470% | 2,740 |
| Equity capital to assets | 10.3386% | 3,697 |
| Core capital (leverage) ratio | 10.2864% | 3,213 |
| Tier 1 risk-based capital ratio | 15.6230% | 2,851 |
| Total risk-based capital ratio | 16.7674% | 2,842 |
| Memoranda: | ||
| Average total assets | $236,495,000 | 2,638 |
| Average earning assets | $216,115,500 | 2,664 |
| Average equity | $24,355,500 | 2,802 |
| Average total loans | $132,211,000 | 2,902 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 897 |
| Cost of funding earning assets | 1.3020% | 35 |
| Net interest margin | 3.5156% | 3,464 |
| Noninterest income to average assets | 0.1266% | 5,779 |
| Noninterest expense to average assets | 1.9875% | 5,477 |
| Loan and lease loss provision to assets | 0.1572% | 1,484 |
| Net operating income to assets | 0.8561% | 3,084 |
| Return on assets (ROA) | 0.8990% | 2,954 |
| Pretax return on assets | 1.1928% | 2,684 |
| Return on Equity (ROE) | 8.9362% | 2,485 |
| Retained earnings to average equity (ytd only) | 6.3279% | 1,642 |
| Net charge-offs to loans | 0.3698% | 783 |
| Credit loss provision to net charge-offs | 77.0878% | 2,998 |
| Earnings coverage of net charge-offs (x) | 6.3405% | 3,242 |
| Efficiency ratio | 60.5883% | 4,820 |
| Assets per employee ($millions) | 5.3039% | 2,006 |
| Cash dividends to net income (ytd only)* | 29.1889% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,940 |
| Loan loss allowance to noncurrent loans | 106.9943% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 1,523 |
| Noncurrent loans to loans | 1.2097% | 1,951 |
| Net loans and leases to total assets | 55.4889% | 4,339 |
| Net loans and leases to deposits | 64.6504% | 4,422 |
| Net loans and leases to core deposits | 72.8676% | 4,051 |
| Total domestic deposits to total assets | 85.8291% | 2,723 |
| Equity capital to assets | 10.2574% | 3,671 |
| Core capital (leverage) ratio | 10.0809% | 3,400 |
| Tier 1 risk-based capital ratio | 16.0498% | 2,665 |
| Total risk-based capital ratio | 17.2188% | 2,641 |
| Memoranda: | ||
| Average total assets | $229,035,000 | 2,676 |
| Average earning assets | $205,455,000 | 2,719 |
| Average equity | $23,041,000 | 2,875 |
| Average total loans | $126,280,400 | 2,945 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 886 |
| Cost of funding earning assets | 1.3157% | 36 |
| Net interest margin | 3.5132% | 3,490 |
| Noninterest income to average assets | 0.1182% | 5,885 |
| Noninterest expense to average assets | 1.9904% | 5,496 |
| Loan and lease loss provision to assets | 0.1579% | 1,364 |
| Net operating income to assets | 0.8983% | 2,968 |
| Return on assets (ROA) | 0.9429% | 2,850 |
| Pretax return on assets | 1.1593% | 2,979 |
| Return on Equity (ROE) | 9.4197% | 2,343 |
| Retained earnings to average equity (ytd only) | 6.4220% | 2,005 |
| Net charge-offs to loans | 0.4105% | 621 |
| Credit loss provision to net charge-offs | 70.1299% | 2,767 |
| Earnings coverage of net charge-offs (x) | 5.6052% | 3,179 |
| Efficiency ratio | 61.1940% | 4,692 |
| Assets per employee ($millions) | 5.2662% | 1,986 |
| Cash dividends to net income (ytd only)* | 31.8237% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 2,939 |
| Loan loss allowance to noncurrent loans | 93.4735% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.5260% | 1,470 |
| Noncurrent loans to loans | 1.4262% | 1,774 |
| Net loans and leases to total assets | 53.9806% | 4,568 |
| Net loans and leases to deposits | 62.8461% | 4,657 |
| Net loans and leases to core deposits | 70.7222% | 4,307 |
| Total domestic deposits to total assets | 85.8933% | 2,588 |
| Equity capital to assets | 10.1401% | 4,009 |
| Core capital (leverage) ratio | 10.1433% | 3,448 |
| Tier 1 risk-based capital ratio | 16.0559% | 2,771 |
| Total risk-based capital ratio | 17.2367% | 2,747 |
| Memoranda: | ||
| Average total assets | $227,950,500 | 2,700 |
| Average earning assets | $203,379,250 | 2,763 |
| Average equity | $22,816,750 | 2,918 |
| Average total loans | $125,052,000 | 2,993 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 852 |
| Cost of funding earning assets | 1.3297% | 34 |
| Net interest margin | 3.4929% | 3,531 |
| Noninterest income to average assets | 0.0688% | 6,115 |
| Noninterest expense to average assets | 1.9683% | 5,593 |
| Loan and lease loss provision to assets | 0.1588% | 1,340 |
| Net operating income to assets | 0.8548% | 3,109 |
| Return on assets (ROA) | 0.9228% | 2,892 |
| Pretax return on assets | 1.1301% | 3,049 |
| Return on Equity (ROE) | 9.2606% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.7188% | 3,042 |
| Net charge-offs to loans | 0.5543% | 438 |
| Credit loss provision to net charge-offs | 52.1739% | 2,680 |
| Earnings coverage of net charge-offs (x) | 3.9623% | 3,110 |
| Efficiency ratio | 62.0067% | 4,677 |
| Assets per employee ($millions) | 5.1713% | 2,067 |
| Cash dividends to net income (ytd only)* | 49.0440% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 3,233 |
| Loan loss allowance to noncurrent loans | 108.0369% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 1,696 |
| Noncurrent loans to loans | 1.2047% | 2,247 |
| Net loans and leases to total assets | 54.6590% | 4,485 |
| Net loans and leases to deposits | 63.4717% | 4,577 |
| Net loans and leases to core deposits | 71.3563% | 4,189 |
| Total domestic deposits to total assets | 86.1156% | 2,632 |
| Equity capital to assets | 9.8398% | 4,234 |
| Core capital (leverage) ratio | 9.8260% | 3,833 |
| Tier 1 risk-based capital ratio | 15.4683% | 3,117 |
| Total risk-based capital ratio | 16.6172% | 3,111 |
| Memoranda: | ||
| Average total assets | $226,696,330 | 2,729 |
| Average earning assets | $201,552,000 | 2,803 |
| Average equity | $22,590,330 | 2,945 |
| Average total loans | $124,479,330 | 3,010 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 749 |
| Cost of funding earning assets | 1.3451% | 35 |
| Net interest margin | 3.5241% | 3,327 |
| Noninterest income to average assets | 0.1998% | 5,521 |
| Noninterest expense to average assets | 1.9233% | 5,716 |
| Loan and lease loss provision to assets | 0.1591% | 1,276 |
| Net operating income to assets | 1.0147% | 2,195 |
| Return on assets (ROA) | 1.1526% | 1,795 |
| Pretax return on assets | 1.3912% | 1,920 |
| Return on Equity (ROE) | 11.4935% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.0016% | 3,602 |
| Net charge-offs to loans | 0.0129% | 2,925 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 195.7500% | 285 |
| Efficiency ratio | 58.1507% | 5,318 |
| Assets per employee ($millions) | 5.3103% | 1,982 |
| Cash dividends to net income (ytd only)* | 65.1840% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 2,317 |
| Loan loss allowance to noncurrent loans | 122.5535% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.5665% | 1,647 |
| Noncurrent loans to loans | 1.2495% | 2,290 |
| Net loans and leases to total assets | 53.2519% | 4,524 |
| Net loans and leases to deposits | 61.9779% | 4,570 |
| Net loans and leases to core deposits | 69.3865% | 4,212 |
| Total domestic deposits to total assets | 85.9207% | 2,986 |
| Equity capital to assets | 10.0756% | 4,052 |
| Core capital (leverage) ratio | 10.0156% | 3,576 |
| Tier 1 risk-based capital ratio | 15.8765% | 2,979 |
| Total risk-based capital ratio | 17.1286% | 2,918 |
| Memoranda: | ||
| Average total assets | $226,276,500 | 2,754 |
| Average earning assets | $199,539,500 | 2,842 |
| Average equity | $22,691,000 | 2,958 |
| Average total loans | $123,714,500 | 3,023 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0297% | 723 |
| Cost of funding earning assets | 1.4821% | 29 |
| Net interest margin | 3.5476% | 3,610 |
| Noninterest income to average assets | 0.1934% | 5,699 |
| Noninterest expense to average assets | 2.0657% | 5,649 |
| Loan and lease loss provision to assets | 0.2349% | 1,021 |
| Net operating income to assets | 0.7898% | 3,428 |
| Return on assets (ROA) | 0.8056% | 3,438 |
| Pretax return on assets | 1.0563% | 3,274 |
| Return on Equity (ROE) | 8.6845% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.8872% | 1,455 |
| Net charge-offs to loans | 0.2419% | 1,757 |
| Credit loss provision to net charge-offs | 178.6942% | 1,359 |
| Earnings coverage of net charge-offs (x) | 9.6632% | 2,716 |
| Efficiency ratio | 61.9177% | 4,929 |
| Assets per employee ($millions) | 5.2142% | 2,059 |
| Cash dividends to net income (ytd only)* | 20.6955% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 2,663 |
| Loan loss allowance to noncurrent loans | 117.6662% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6257% | 1,660 |
| Noncurrent loans to loans | 1.2377% | 2,378 |
| Net loans and leases to total assets | 54.4739% | 4,517 |
| Net loans and leases to deposits | 63.4206% | 4,587 |
| Net loans and leases to core deposits | 69.9026% | 4,337 |
| Total domestic deposits to total assets | 85.8931% | 2,899 |
| Equity capital to assets | 9.9795% | 4,137 |
| Core capital (leverage) ratio | 10.2645% | 3,223 |
| Tier 1 risk-based capital ratio | 15.2560% | 3,343 |
| Total risk-based capital ratio | 16.4649% | 3,321 |
| Memoranda: | ||
| Average total assets | $221,329,800 | 2,768 |
| Average earning assets | $196,075,600 | 2,844 |
| Average equity | $20,530,800 | 3,100 |
| Average total loans | $120,314,000 | 3,032 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 673 |
| Cost of funding earning assets | 1.5011% | 29 |
| Net interest margin | 3.5794% | 3,508 |
| Noninterest income to average assets | 0.2158% | 5,641 |
| Noninterest expense to average assets | 2.0869% | 5,604 |
| Loan and lease loss provision to assets | 0.2599% | 820 |
| Net operating income to assets | 0.8531% | 3,163 |
| Return on assets (ROA) | 0.8709% | 3,163 |
| Pretax return on assets | 1.0613% | 3,336 |
| Return on Equity (ROE) | 9.5731% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.1217% | 1,756 |
| Net charge-offs to loans | 0.2077% | 1,808 |
| Credit loss provision to net charge-offs | 231.1828% | 1,128 |
| Earnings coverage of net charge-offs (x) | 11.5593% | 2,412 |
| Efficiency ratio | 61.6277% | 4,943 |
| Assets per employee ($millions) | 5.1573% | 2,072 |
| Cash dividends to net income (ytd only)* | 25.6073% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 2,520 |
| Loan loss allowance to noncurrent loans | 118.4896% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.7641% | 1,692 |
| Noncurrent loans to loans | 1.3040% | 2,469 |
| Net loans and leases to total assets | 52.2962% | 4,777 |
| Net loans and leases to deposits | 60.6861% | 4,876 |
| Net loans and leases to core deposits | 67.1167% | 4,594 |
| Total domestic deposits to total assets | 86.1748% | 2,773 |
| Equity capital to assets | 9.6243% | 4,641 |
| Core capital (leverage) ratio | 10.2449% | 3,347 |
| Tier 1 risk-based capital ratio | 15.6335% | 3,243 |
| Total risk-based capital ratio | 16.8835% | 3,181 |
| Memoranda: | ||
| Average total assets | $220,609,750 | 2,795 |
| Average earning assets | $195,407,250 | 2,878 |
| Average equity | $20,069,750 | 3,167 |
| Average total loans | $119,407,250 | 3,066 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 760 |
| Cost of funding earning assets | 1.4893% | 31 |
| Net interest margin | 3.5065% | 3,763 |
| Noninterest income to average assets | 0.2107% | 5,692 |
| Noninterest expense to average assets | 2.0951% | 5,634 |
| Loan and lease loss provision to assets | 0.2724% | 760 |
| Net operating income to assets | 0.8153% | 3,254 |
| Return on assets (ROA) | 0.8428% | 3,213 |
| Pretax return on assets | 1.0062% | 3,453 |
| Return on Equity (ROE) | 9.4475% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.5868% | 1,988 |
| Net charge-offs to loans | 0.1351% | 2,322 |
| Credit loss provision to net charge-offs | 370.3704% | 736 |
| Earnings coverage of net charge-offs (x) | 16.9383% | 1,762 |
| Efficiency ratio | 62.7073% | 4,910 |
| Assets per employee ($millions) | 5.1109% | 2,083 |
| Cash dividends to net income (ytd only)* | 30.2802% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 2,991 |
| Loan loss allowance to noncurrent loans | 97.7669% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 1,672 |
| Noncurrent loans to loans | 1.5145% | 2,302 |
| Net loans and leases to total assets | 54.3455% | 4,496 |
| Net loans and leases to deposits | 62.9007% | 4,607 |
| Net loans and leases to core deposits | 70.6693% | 4,197 |
| Total domestic deposits to total assets | 86.3988% | 2,821 |
| Equity capital to assets | 9.3712% | 4,875 |
| Core capital (leverage) ratio | 9.9941% | 3,618 |
| Tier 1 risk-based capital ratio | 15.1061% | 3,575 |
| Total risk-based capital ratio | 16.3378% | 3,530 |
| Memoranda: | ||
| Average total assets | $220,225,670 | 2,807 |
| Average earning assets | $196,605,000 | 2,876 |
| Average equity | $19,645,330 | 3,212 |
| Average total loans | $119,945,330 | 3,064 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 820 |
| Cost of funding earning assets | 1.4786% | 37 |
| Net interest margin | 3.4541% | 3,885 |
| Noninterest income to average assets | 0.2087% | 5,692 |
| Noninterest expense to average assets | 2.0086% | 5,866 |
| Loan and lease loss provision to assets | 0.2722% | 762 |
| Net operating income to assets | 0.9364% | 2,475 |
| Return on assets (ROA) | 0.9381% | 2,536 |
| Pretax return on assets | 1.0197% | 3,255 |
| Return on Equity (ROE) | 10.7874% | 1,765 |
| Retained earnings to average equity (ytd only) | 4.9242% | 3,158 |
| Net charge-offs to loans | 0.0939% | 2,227 |
| Credit loss provision to net charge-offs | 535.7143% | 510 |
| Earnings coverage of net charge-offs (x) | 25.3929% | 1,157 |
| Efficiency ratio | 60.8911% | 5,277 |
| Assets per employee ($millions) | 5.1036% | 2,123 |
| Cash dividends to net income (ytd only)* | 54.3520% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 3,497 |
| Loan loss allowance to noncurrent loans | 74.2133% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3103% | 1,418 |
| Noncurrent loans to loans | 1.9162% | 1,974 |
| Net loans and leases to total assets | 53.6335% | 4,470 |
| Net loans and leases to deposits | 61.7249% | 4,582 |
| Net loans and leases to core deposits | 69.2092% | 4,182 |
| Total domestic deposits to total assets | 86.8912% | 2,879 |
| Equity capital to assets | 8.9198% | 5,202 |
| Core capital (leverage) ratio | 9.8132% | 3,841 |
| Tier 1 risk-based capital ratio | 14.7986% | 3,816 |
| Total risk-based capital ratio | 15.9619% | 3,833 |
| Memoranda: | ||
| Average total assets | $220,454,500 | 2,827 |
| Average earning assets | $197,215,000 | 2,877 |
| Average equity | $19,170,500 | 3,259 |
| Average total loans | $119,303,500 | 3,085 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1606% | 692 |
| Cost of funding earning assets | 1.6130% | 36 |
| Net interest margin | 3.5475% | 3,697 |
| Noninterest income to average assets | 0.1651% | 6,105 |
| Noninterest expense to average assets | 2.0342% | 5,960 |
| Loan and lease loss provision to assets | 0.2707% | 1,304 |
| Net operating income to assets | 0.7608% | 3,493 |
| Return on assets (ROA) | 0.8472% | 3,127 |
| Pretax return on assets | 1.1152% | 2,901 |
| Return on Equity (ROE) | 9.8805% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.9598% | 778 |
| Net charge-offs to loans | 0.3387% | 1,983 |
| Credit loss provision to net charge-offs | 143.8849% | 1,618 |
| Earnings coverage of net charge-offs (x) | 6.7626% | 2,989 |
| Efficiency ratio | 61.5227% | 5,287 |
| Assets per employee ($millions) | 5.1501% | 2,013 |
| Cash dividends to net income (ytd only)* | 9.3184% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,029 |
| Loan loss allowance to noncurrent loans | 60.8729% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 2.3522% | 1,480 |
| Noncurrent loans to loans | 2.1719% | 1,804 |
| Net loans and leases to total assets | 53.1178% | 4,708 |
| Net loans and leases to deposits | 60.7874% | 4,862 |
| Net loans and leases to core deposits | 69.5186% | 4,338 |
| Total domestic deposits to total assets | 87.3829% | 2,533 |
| Equity capital to assets | 8.4740% | 5,606 |
| Core capital (leverage) ratio | 9.6007% | 4,113 |
| Tier 1 risk-based capital ratio | 14.4810% | 3,966 |
| Total risk-based capital ratio | 15.5519% | 4,024 |
| Memoranda: | ||
| Average total assets | $221,660,800 | 2,795 |
| Average earning assets | $196,277,000 | 2,870 |
| Average equity | $19,007,200 | 3,277 |
| Average total loans | $123,125,200 | 2,981 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 656 |
| Cost of funding earning assets | 1.6413% | 32 |
| Net interest margin | 3.5527% | 3,642 |
| Noninterest income to average assets | 0.1527% | 6,273 |
| Noninterest expense to average assets | 2.0086% | 5,995 |
| Loan and lease loss provision to assets | 0.2706% | 1,299 |
| Net operating income to assets | 0.8564% | 3,066 |
| Return on assets (ROA) | 0.9832% | 2,551 |
| Pretax return on assets | 1.1642% | 2,835 |
| Return on Equity (ROE) | 11.4328% | 1,671 |
| Retained earnings to average equity (ytd only) | 10.2091% | 748 |
| Net charge-offs to loans | 0.3502% | 1,798 |
| Credit loss provision to net charge-offs | 138.0368% | 1,695 |
| Earnings coverage of net charge-offs (x) | 6.5490% | 2,953 |
| Efficiency ratio | 61.0046% | 5,283 |
| Assets per employee ($millions) | 5.0326% | 2,122 |
| Cash dividends to net income (ytd only)* | 10.7035% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 4,703 |
| Loan loss allowance to noncurrent loans | 62.5567% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 2.4224% | 1,602 |
| Noncurrent loans to loans | 1.9771% | 2,278 |
| Net loans and leases to total assets | 54.7048% | 4,501 |
| Net loans and leases to deposits | 62.7058% | 4,672 |
| Net loans and leases to core deposits | 71.1433% | 4,196 |
| Total domestic deposits to total assets | 87.2404% | 2,540 |
| Equity capital to assets | 8.5971% | 5,625 |
| Core capital (leverage) ratio | 9.6724% | 4,140 |
| Tier 1 risk-based capital ratio | 14.1502% | 4,321 |
| Total risk-based capital ratio | 15.1665% | 4,442 |
| Memoranda: | ||
| Average total assets | $221,712,750 | 2,819 |
| Average earning assets | $195,938,500 | 2,899 |
| Average equity | $19,067,500 | 3,305 |
| Average total loans | $124,104,750 | 2,973 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 706 |
| Cost of funding earning assets | 1.6815% | 31 |
| Net interest margin | 3.4600% | 3,958 |
| Noninterest income to average assets | 0.1993% | 6,011 |
| Noninterest expense to average assets | 1.9603% | 6,115 |
| Loan and lease loss provision to assets | 0.2705% | 1,363 |
| Net operating income to assets | 0.8806% | 2,897 |
| Return on assets (ROA) | 0.9504% | 2,716 |
| Pretax return on assets | 1.1055% | 3,076 |
| Return on Equity (ROE) | 11.0496% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.1375% | 816 |
| Net charge-offs to loans | 0.2536% | 2,202 |
| Credit loss provision to net charge-offs | 189.8734% | 1,255 |
| Earnings coverage of net charge-offs (x) | 9.0886% | 2,329 |
| Efficiency ratio | 60.2216% | 5,456 |
| Assets per employee ($millions) | 4.8087% | 2,359 |
| Cash dividends to net income (ytd only)* | 8.2543% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 4,853 |
| Loan loss allowance to noncurrent loans | 58.6774% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.5870% | 1,623 |
| Noncurrent loans to loans | 2.0876% | 2,296 |
| Net loans and leases to total assets | 57.2004% | 4,109 |
| Net loans and leases to deposits | 65.6567% | 4,306 |
| Net loans and leases to core deposits | 76.1033% | 3,531 |
| Total domestic deposits to total assets | 87.1205% | 2,748 |
| Equity capital to assets | 8.6118% | 5,658 |
| Core capital (leverage) ratio | 9.4534% | 4,315 |
| Tier 1 risk-based capital ratio | 13.0435% | 5,108 |
| Total risk-based capital ratio | 14.0140% | 5,252 |
| Memoranda: | ||
| Average total assets | $221,805,670 | 2,819 |
| Average earning assets | $195,895,670 | 2,917 |
| Average equity | $19,077,670 | 3,322 |
| Average total loans | $124,589,000 | 2,978 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 664 |
| Cost of funding earning assets | 1.7601% | 28 |
| Net interest margin | 3.4013% | 4,109 |
| Noninterest income to average assets | 0.1889% | 6,119 |
| Noninterest expense to average assets | 1.9936% | 6,118 |
| Loan and lease loss provision to assets | 0.2672% | 1,325 |
| Net operating income to assets | 0.8092% | 3,107 |
| Return on assets (ROA) | 0.8124% | 3,226 |
| Pretax return on assets | 0.8890% | 3,801 |
| Return on Equity (ROE) | 9.4513% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.4513% | 1,257 |
| Net charge-offs to loans | 0.2994% | 1,767 |
| Credit loss provision to net charge-offs | 161.2903% | 1,294 |
| Earnings coverage of net charge-offs (x) | 6.9570% | 2,143 |
| Efficiency ratio | 63.3635% | 5,102 |
| Assets per employee ($millions) | 5.1201% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,353 |
| Loan loss allowance to noncurrent loans | 64.6168% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.2769% | 2,050 |
| Noncurrent loans to loans | 1.8009% | 2,860 |
| Net loans and leases to total assets | 55.9385% | 4,087 |
| Net loans and leases to deposits | 64.3232% | 4,281 |
| Net loans and leases to core deposits | 76.0792% | 3,310 |
| Total domestic deposits to total assets | 86.9648% | 2,979 |
| Equity capital to assets | 8.8484% | 5,668 |
| Core capital (leverage) ratio | 9.0041% | 4,879 |
| Tier 1 risk-based capital ratio | 12.7253% | 5,420 |
| Total risk-based capital ratio | 13.6425% | 5,598 |
| Memoranda: | ||
| Average total assets | $224,513,500 | 2,826 |
| Average earning assets | $195,218,000 | 2,954 |
| Average equity | $19,299,000 | 3,338 |
| Average total loans | $124,228,000 | 3,004 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 807 |
| Cost of funding earning assets | 1.9470% | 38 |
| Net interest margin | 3.4228% | 4,808 |
| Noninterest income to average assets | 0.1905% | 6,042 |
| Noninterest expense to average assets | 2.0272% | 6,279 |
| Loan and lease loss provision to assets | 0.2727% | 2,464 |
| Net operating income to assets | 0.6506% | 3,980 |
| Return on assets (ROA) | 0.7172% | 3,914 |
| Pretax return on assets | 0.9148% | 3,873 |
| Return on Equity (ROE) | 8.4900% | 2,867 |
| Retained earnings to average equity (ytd only) | 4.9172% | 2,754 |
| Net charge-offs to loans | 0.6709% | 1,758 |
| Credit loss provision to net charge-offs | 74.7549% | 4,020 |
| Earnings coverage of net charge-offs (x) | 3.0208% | 3,919 |
| Efficiency ratio | 64.7807% | 4,744 |
| Assets per employee ($millions) | 5.2014% | 1,982 |
| Cash dividends to net income (ytd only)* | 42.0823% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,456 |
| Loan loss allowance to noncurrent loans | 67.9181% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.2035% | 2,225 |
| Noncurrent loans to loans | 1.6560% | 3,142 |
| Net loans and leases to total assets | 53.5065% | 4,690 |
| Net loans and leases to deposits | 62.6095% | 4,706 |
| Net loans and leases to core deposits | 75.2867% | 3,624 |
| Total domestic deposits to total assets | 85.4607% | 3,634 |
| Equity capital to assets | 8.3531% | 6,158 |
| Core capital (leverage) ratio | 8.8308% | 5,129 |
| Tier 1 risk-based capital ratio | 12.3264% | 5,582 |
| Total risk-based capital ratio | 13.1996% | 5,776 |
| Memoranda: | ||
| Average total assets | $223,659,600 | 2,802 |
| Average earning assets | $192,037,400 | 2,930 |
| Average equity | $18,892,800 | 3,348 |
| Average total loans | $121,623,400 | 3,042 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3561% | 911 |
| Cost of funding earning assets | 1.9963% | 30 |
| Net interest margin | 3.3598% | 5,183 |
| Noninterest income to average assets | 0.2506% | 5,772 |
| Noninterest expense to average assets | 2.0645% | 6,233 |
| Loan and lease loss provision to assets | 0.2458% | 2,597 |
| Net operating income to assets | 0.8057% | 3,422 |
| Return on assets (ROA) | 0.9150% | 3,131 |
| Pretax return on assets | 0.9474% | 3,929 |
| Return on Equity (ROE) | 10.8013% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.8013% | 721 |
| Net charge-offs to loans | 0.7500% | 1,480 |
| Credit loss provision to net charge-offs | 60.2056% | 4,142 |
| Earnings coverage of net charge-offs (x) | 2.6461% | 3,975 |
| Efficiency ratio | 65.6435% | 4,515 |
| Assets per employee ($millions) | 4.9044% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 5,846 |
| Loan loss allowance to noncurrent loans | 59.3387% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.4214% | 2,191 |
| Noncurrent loans to loans | 1.7905% | 3,088 |
| Net loans and leases to total assets | 56.0350% | 4,445 |
| Net loans and leases to deposits | 66.1898% | 4,446 |
| Net loans and leases to core deposits | 79.6151% | 3,256 |
| Total domestic deposits to total assets | 84.6581% | 3,914 |
| Equity capital to assets | 8.9059% | 5,914 |
| Core capital (leverage) ratio | 9.3815% | 4,458 |
| Tier 1 risk-based capital ratio | 12.7068% | 5,473 |
| Total risk-based capital ratio | 13.5397% | 5,746 |
| Memoranda: | ||
| Average total assets | $222,359,000 | 2,835 |
| Average earning assets | $191,553,000 | 2,968 |
| Average equity | $18,836,750 | 3,388 |
| Average total loans | $121,067,000 | 3,092 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 955 |
| Cost of funding earning assets | 2.0199% | 30 |
| Net interest margin | 3.3330% | 5,334 |
| Noninterest income to average assets | 0.2701% | 5,646 |
| Noninterest expense to average assets | 2.0546% | 6,322 |
| Loan and lease loss provision to assets | 0.2333% | 2,738 |
| Net operating income to assets | 0.8275% | 3,260 |
| Return on assets (ROA) | 0.9681% | 2,834 |
| Pretax return on assets | 1.0156% | 3,651 |
| Return on Equity (ROE) | 11.6246% | 1,799 |
| Retained earnings to average equity (ytd only) | 11.6246% | 645 |
| Net charge-offs to loans | 0.2939% | 2,850 |
| Credit loss provision to net charge-offs | 147.7273% | 1,872 |
| Earnings coverage of net charge-offs (x) | 6.9716% | 2,548 |
| Efficiency ratio | 65.1123% | 4,705 |
| Assets per employee ($millions) | 4.7481% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 4,560 |
| Loan loss allowance to noncurrent loans | 87.8851% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 3.0283% | 1,818 |
| Noncurrent loans to loans | 1.5626% | 3,566 |
| Net loans and leases to total assets | 54.1620% | 4,771 |
| Net loans and leases to deposits | 64.7145% | 4,676 |
| Net loans and leases to core deposits | 78.8246% | 3,392 |
| Total domestic deposits to total assets | 83.6938% | 4,442 |
| Equity capital to assets | 8.5804% | 6,134 |
| Core capital (leverage) ratio | 8.9817% | 4,943 |
| Tier 1 risk-based capital ratio | 12.4806% | 5,576 |
| Total risk-based capital ratio | 13.5407% | 5,705 |
| Memoranda: | ||
| Average total assets | $222,913,330 | 2,839 |
| Average earning assets | $192,981,000 | 2,960 |
| Average equity | $18,564,000 | 3,416 |
| Average total loans | $119,757,670 | 3,139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4861% | 777 |
| Cost of funding earning assets | 2.0288% | 40 |
| Net interest margin | 3.4573% | 4,886 |
| Noninterest income to average assets | 0.3339% | 5,191 |
| Noninterest expense to average assets | 2.0378% | 6,394 |
| Loan and lease loss provision to assets | 0.2693% | 2,302 |
| Net operating income to assets | 0.9804% | 2,556 |
| Return on assets (ROA) | 1.0683% | 2,406 |
| Pretax return on assets | 1.1167% | 3,258 |
| Return on Equity (ROE) | 13.0254% | 1,399 |
| Retained earnings to average equity (ytd only) | 13.0254% | 678 |
| Net charge-offs to loans | 0.4393% | 1,997 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 5.5462% | 2,345 |
| Efficiency ratio | 61.1530% | 5,433 |
| Assets per employee ($millions) | 4.8183% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,706 |
| Loan loss allowance to noncurrent loans | 81.4796% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 3.2579% | 1,772 |
| Noncurrent loans to loans | 1.6892% | 3,577 |
| Net loans and leases to total assets | 52.3427% | 4,971 |
| Net loans and leases to deposits | 62.5133% | 4,844 |
| Net loans and leases to core deposits | 77.4490% | 3,400 |
| Total domestic deposits to total assets | 83.7306% | 4,622 |
| Equity capital to assets | 8.3792% | 6,196 |
| Core capital (leverage) ratio | 8.8797% | 5,021 |
| Tier 1 risk-based capital ratio | 12.4661% | 5,632 |
| Total risk-based capital ratio | 13.5103% | 5,755 |
| Memoranda: | ||
| Average total assets | $222,790,000 | 2,852 |
| Average earning assets | $193,215,500 | 2,983 |
| Average equity | $18,272,000 | 3,457 |
| Average total loans | $118,361,000 | 3,191 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5948% | 967 |
| Cost of funding earning assets | 2.1537% | 61 |
| Net interest margin | 3.4411% | 5,363 |
| Noninterest income to average assets | 0.2158% | 5,979 |
| Noninterest expense to average assets | 2.1542% | 6,378 |
| Loan and lease loss provision to assets | 0.4061% | 2,559 |
| Net operating income to assets | 0.6200% | 3,886 |
| Return on assets (ROA) | 0.7040% | 3,657 |
| Pretax return on assets | 0.8216% | 3,905 |
| Return on Equity (ROE) | 8.7293% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.7293% | 873 |
| Net charge-offs to loans | 0.7710% | 2,224 |
| Credit loss provision to net charge-offs | 93.7841% | 3,841 |
| Earnings coverage of net charge-offs (x) | 2.6096% | 3,906 |
| Efficiency ratio | 65.5931% | 4,849 |
| Assets per employee ($millions) | 4.8682% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,694 |
| Loan loss allowance to noncurrent loans | 36.8688% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 3.3032% | 1,801 |
| Noncurrent loans to loans | 3.6418% | 1,741 |
| Net loans and leases to total assets | 52.4656% | 5,239 |
| Net loans and leases to deposits | 62.2704% | 5,203 |
| Net loans and leases to core deposits | 76.7688% | 3,866 |
| Total domestic deposits to total assets | 84.2545% | 4,214 |
| Equity capital to assets | 8.0255% | 6,560 |
| Core capital (leverage) ratio | 8.6407% | 5,330 |
| Tier 1 risk-based capital ratio | 12.1496% | 5,728 |
| Total risk-based capital ratio | 13.1866% | 5,846 |
| Memoranda: | ||
| Average total assets | $211,775,400 | 2,921 |
| Average earning assets | $188,835,200 | 2,980 |
| Average equity | $17,080,400 | 3,565 |
| Average total loans | $118,933,400 | 3,199 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 854 |
| Cost of funding earning assets | 2.1837% | 64 |
| Net interest margin | 3.5153% | 5,122 |
| Noninterest income to average assets | 0.2823% | 5,588 |
| Noninterest expense to average assets | 2.2305% | 6,210 |
| Loan and lease loss provision to assets | 0.4535% | 2,195 |
| Net operating income to assets | 0.7461% | 3,402 |
| Return on assets (ROA) | 0.8540% | 3,080 |
| Pretax return on assets | 0.8495% | 3,953 |
| Return on Equity (ROE) | 10.5746% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.5746% | 709 |
| Net charge-offs to loans | 0.6157% | 2,404 |
| Credit loss provision to net charge-offs | 129.3260% | 2,457 |
| Earnings coverage of net charge-offs (x) | 3.4080% | 3,446 |
| Efficiency ratio | 65.1128% | 4,875 |
| Assets per employee ($millions) | 4.7982% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 4,023 |
| Loan loss allowance to noncurrent loans | 40.9880% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 3.4351% | 1,837 |
| Noncurrent loans to loans | 3.6990% | 1,843 |
| Net loans and leases to total assets | 54.6617% | 5,063 |
| Net loans and leases to deposits | 65.3248% | 5,007 |
| Net loans and leases to core deposits | 81.7144% | 3,367 |
| Total domestic deposits to total assets | 83.6767% | 4,385 |
| Equity capital to assets | 8.3619% | 6,429 |
| Core capital (leverage) ratio | 8.9975% | 4,931 |
| Tier 1 risk-based capital ratio | 12.4525% | 5,532 |
| Total risk-based capital ratio | 13.6703% | 5,554 |
| Memoranda: | ||
| Average total assets | $208,735,000 | 2,975 |
| Average earning assets | $186,647,250 | 3,017 |
| Average equity | $16,857,500 | 3,609 |
| Average total loans | $118,894,500 | 3,223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6431% | 982 |
| Cost of funding earning assets | 2.2007% | 69 |
| Net interest margin | 3.4424% | 5,397 |
| Noninterest income to average assets | 0.3945% | 4,723 |
| Noninterest expense to average assets | 2.2497% | 6,246 |
| Loan and lease loss provision to assets | 0.5331% | 1,828 |
| Net operating income to assets | 0.7250% | 3,415 |
| Return on assets (ROA) | 0.8219% | 3,087 |
| Pretax return on assets | 0.8152% | 3,969 |
| Return on Equity (ROE) | 10.3048% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.3048% | 782 |
| Net charge-offs to loans | 0.7084% | 2,093 |
| Credit loss provision to net charge-offs | 130.9524% | 2,334 |
| Earnings coverage of net charge-offs (x) | 3.0738% | 3,317 |
| Efficiency ratio | 64.2580% | 5,189 |
| Assets per employee ($millions) | 4.5090% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 4,216 |
| Loan loss allowance to noncurrent loans | 41.4097% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 3.8874% | 1,664 |
| Noncurrent loans to loans | 3.5768% | 1,975 |
| Net loans and leases to total assets | 57.2753% | 4,773 |
| Net loans and leases to deposits | 68.6954% | 4,605 |
| Net loans and leases to core deposits | 86.4311% | 2,839 |
| Total domestic deposits to total assets | 83.3758% | 4,596 |
| Equity capital to assets | 8.3080% | 6,413 |
| Core capital (leverage) ratio | 8.9886% | 4,740 |
| Tier 1 risk-based capital ratio | 12.2119% | 5,604 |
| Total risk-based capital ratio | 13.4175% | 5,628 |
| Memoranda: | ||
| Average total assets | $206,340,330 | 3,015 |
| Average earning assets | $186,210,000 | 3,044 |
| Average equity | $16,458,330 | 3,660 |
| Average total loans | $118,578,670 | 3,256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5735% | 1,113 |
| Cost of funding earning assets | 2.2768% | 67 |
| Net interest margin | 3.2967% | 5,791 |
| Noninterest income to average assets | 0.4431% | 4,337 |
| Noninterest expense to average assets | 2.1516% | 6,526 |
| Loan and lease loss provision to assets | 0.5831% | 1,481 |
| Net operating income to assets | 0.6919% | 3,544 |
| Return on assets (ROA) | 0.6569% | 3,791 |
| Pretax return on assets | 0.6453% | 4,511 |
| Return on Equity (ROE) | 8.4124% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.4124% | 1,581 |
| Net charge-offs to loans | 0.6464% | 1,912 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 3.4211% | 2,744 |
| Efficiency ratio | 63.0051% | 5,526 |
| Assets per employee ($millions) | 4.4550% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 4,118 |
| Loan loss allowance to noncurrent loans | 38.2665% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 3.9945% | 1,671 |
| Noncurrent loans to loans | 3.9674% | 1,839 |
| Net loans and leases to total assets | 55.9000% | 5,011 |
| Net loans and leases to deposits | 66.9991% | 4,826 |
| Net loans and leases to core deposits | 84.0267% | 3,155 |
| Total domestic deposits to total assets | 83.4340% | 4,729 |
| Equity capital to assets | 8.0739% | 6,416 |
| Core capital (leverage) ratio | 8.6762% | 5,130 |
| Tier 1 risk-based capital ratio | 11.9897% | 5,700 |
| Total risk-based capital ratio | 13.1941% | 5,732 |
| Memoranda: | ||
| Average total assets | $205,803,500 | 3,036 |
| Average earning assets | $185,521,500 | 3,076 |
| Average equity | $16,071,500 | 3,715 |
| Average total loans | $117,576,500 | 3,298 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2027% | 559 |
| Cost of funding earning assets | 2.6480% | 67 |
| Net interest margin | 3.5547% | 5,020 |
| Noninterest income to average assets | 0.3782% | 5,075 |
| Noninterest expense to average assets | 2.5448% | 5,632 |
| Loan and lease loss provision to assets | 0.6019% | 2,727 |
| Net operating income to assets | 0.6786% | 3,306 |
| Return on assets (ROA) | 0.3044% | 5,092 |
| Pretax return on assets | 0.0366% | 5,821 |
| Return on Equity (ROE) | 3.8983% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.3653% | 3,511 |
| Net charge-offs to loans | 1.9410% | 1,056 |
| Credit loss provision to net charge-offs | 50.4414% | 6,252 |
| Earnings coverage of net charge-offs (x) | 0.8487% | 5,282 |
| Efficiency ratio | 71.5353% | 3,882 |
| Assets per employee ($millions) | 4.3973% | 3,036 |
| Cash dividends to net income (ytd only)* | 13.6738% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,546 |
| Loan loss allowance to noncurrent loans | 37.7651% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 3.6947% | 1,859 |
| Noncurrent loans to loans | 3.6901% | 2,011 |
| Net loans and leases to total assets | 56.6948% | 5,231 |
| Net loans and leases to deposits | 67.4798% | 5,169 |
| Net loans and leases to core deposits | 102.7824% | 1,398 |
| Total domestic deposits to total assets | 84.0174% | 4,355 |
| Equity capital to assets | 7.5466% | 6,856 |
| Core capital (leverage) ratio | 8.4732% | 5,416 |
| Tier 1 risk-based capital ratio | 11.5230% | 5,890 |
| Total risk-based capital ratio | 12.6296% | 6,003 |
| Memoranda: | ||
| Average total assets | $199,383,200 | 3,110 |
| Average earning assets | $178,326,200 | 3,141 |
| Average equity | $15,570,800 | 3,848 |
| Average total loans | $122,567,400 | 3,263 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0986% | 763 |
| Cost of funding earning assets | 2.7192% | 64 |
| Net interest margin | 3.3794% | 5,750 |
| Noninterest income to average assets | 0.3631% | 5,252 |
| Noninterest expense to average assets | 2.2885% | 6,362 |
| Loan and lease loss provision to assets | 0.6074% | 2,505 |
| Net operating income to assets | 0.6796% | 3,511 |
| Return on assets (ROA) | 0.2166% | 5,622 |
| Pretax return on assets | 0.0236% | 6,058 |
| Return on Equity (ROE) | 2.7498% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.0388% | 4,936 |
| Net charge-offs to loans | 2.1041% | 879 |
| Credit loss provision to net charge-offs | 46.1775% | 5,941 |
| Earnings coverage of net charge-offs (x) | 0.8317% | 5,224 |
| Efficiency ratio | 67.6576% | 4,533 |
| Assets per employee ($millions) | 4.3234% | 3,216 |
| Cash dividends to net income (ytd only)* | 25.8557% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 4,106 |
| Loan loss allowance to noncurrent loans | 22.9918% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 5.4346% | 1,143 |
| Noncurrent loans to loans | 6.3925% | 937 |
| Net loans and leases to total assets | 58.9235% | 5,116 |
| Net loans and leases to deposits | 70.4982% | 5,076 |
| Net loans and leases to core deposits | 109.3563% | 1,073 |
| Total domestic deposits to total assets | 83.5816% | 4,329 |
| Equity capital to assets | 7.8558% | 6,897 |
| Core capital (leverage) ratio | 8.5503% | 5,420 |
| Tier 1 risk-based capital ratio | 11.3692% | 6,042 |
| Total risk-based capital ratio | 12.5666% | 6,081 |
| Memoranda: | ||
| Average total assets | $197,560,250 | 3,176 |
| Average earning assets | $176,515,500 | 3,209 |
| Average equity | $15,564,250 | 3,888 |
| Average total loans | $123,501,750 | 3,293 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1749% | 656 |
| Cost of funding earning assets | 2.7977% | 63 |
| Net interest margin | 3.3772% | 5,728 |
| Noninterest income to average assets | 0.4129% | 4,806 |
| Noninterest expense to average assets | 2.2946% | 6,369 |
| Loan and lease loss provision to assets | 0.6132% | 2,340 |
| Net operating income to assets | 0.5586% | 4,040 |
| Return on assets (ROA) | 0.0981% | 5,988 |
| Pretax return on assets | -0.1942% | 6,332 |
| Return on Equity (ROE) | 1.2442% | 5,881 |
| Retained earnings to average equity (ytd only) | 0.1685% | 5,679 |
| Net charge-offs to loans | 2.5193% | 679 |
| Credit loss provision to net charge-offs | 38.3632% | 5,631 |
| Earnings coverage of net charge-offs (x) | 0.7123% | 5,032 |
| Efficiency ratio | 66.8354% | 4,809 |
| Assets per employee ($millions) | 4.2642% | 3,278 |
| Cash dividends to net income (ytd only)* | 86.4583% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 3,704 |
| Loan loss allowance to noncurrent loans | 24.0118% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 5.6912% | 1,061 |
| Noncurrent loans to loans | 6.4187% | 939 |
| Net loans and leases to total assets | 59.6385% | 5,135 |
| Net loans and leases to deposits | 71.4837% | 5,076 |
| Net loans and leases to core deposits | 118.5799% | 750 |
| Total domestic deposits to total assets | 83.4295% | 4,377 |
| Equity capital to assets | 7.8751% | 6,867 |
| Core capital (leverage) ratio | 8.4906% | 5,425 |
| Tier 1 risk-based capital ratio | 10.6788% | 6,545 |
| Total risk-based capital ratio | 11.8728% | 6,590 |
| Memoranda: | ||
| Average total assets | $195,680,670 | 3,222 |
| Average earning assets | $174,999,330 | 3,254 |
| Average equity | $15,431,330 | 3,903 |
| Average total loans | $124,163,000 | 3,315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3597% | 478 |
| Cost of funding earning assets | 2.8617% | 69 |
| Net interest margin | 3.4981% | 5,166 |
| Noninterest income to average assets | 0.4118% | 4,800 |
| Noninterest expense to average assets | 2.2533% | 6,531 |
| Loan and lease loss provision to assets | 0.6249% | 2,030 |
| Net operating income to assets | 0.7152% | 3,367 |
| Return on assets (ROA) | 0.1842% | 5,866 |
| Pretax return on assets | -0.1573% | 6,513 |
| Return on Equity (ROE) | 2.3336% | 5,618 |
| Retained earnings to average equity (ytd only) | 0.1573% | 5,762 |
| Net charge-offs to loans | 0.7455% | 2,018 |
| Credit loss provision to net charge-offs | 129.0598% | 2,738 |
| Earnings coverage of net charge-offs (x) | 2.6795% | 3,199 |
| Efficiency ratio | 63.4615% | 5,591 |
| Assets per employee ($millions) | 4.0799% | 3,679 |
| Cash dividends to net income (ytd only)* | 93.2584% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 1,554 |
| Loan loss allowance to noncurrent loans | 24.4628% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 6.4957% | 880 |
| Noncurrent loans to loans | 9.4669% | 469 |
| Net loans and leases to total assets | 62.5265% | 4,651 |
| Net loans and leases to deposits | 75.1933% | 4,547 |
| Net loans and leases to core deposits | 127.4446% | 550 |
| Total domestic deposits to total assets | 83.1544% | 4,544 |
| Equity capital to assets | 7.8953% | 6,761 |
| Core capital (leverage) ratio | 8.6775% | 5,054 |
| Tier 1 risk-based capital ratio | 10.6530% | 6,491 |
| Total risk-based capital ratio | 11.9083% | 6,471 |
| Memoranda: | ||
| Average total assets | $193,313,000 | 3,318 |
| Average earning assets | $173,466,000 | 3,345 |
| Average equity | $15,255,500 | 3,971 |
| Average total loans | $125,546,500 | 3,358 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7014% | 463 |
| Cost of funding earning assets | 3.0045% | 225 |
| Net interest margin | 3.6969% | 4,162 |
| Noninterest income to average assets | -0.6102% | 7,956 |
| Noninterest expense to average assets | 2.3788% | 6,527 |
| Loan and lease loss provision to assets | 2.0288% | 1,055 |
| Net operating income to assets | -1.2103% | 6,717 |
| Return on assets (ROA) | -1.7277% | 6,982 |
| Pretax return on assets | -2.4102% | 7,117 |
| Return on Equity (ROE) | -18.9165% | 7,105 |
| Retained earnings to average equity (ytd only) | -20.2075% | 7,114 |
| Net charge-offs to loans | 1.6127% | 1,567 |
| Credit loss provision to net charge-offs | 188.8285% | 2,128 |
| Earnings coverage of net charge-offs (x) | 0.3139% | 5,804 |
| Efficiency ratio | 87.5831% | 1,923 |
| Assets per employee ($millions) | 3.9748% | 3,860 |
| Cash dividends to net income (ytd only)* | -6.8245% | 7,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2547% | 1,556 |
| Loan loss allowance to noncurrent loans | 41.1346% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 4.7912% | 1,314 |
| Noncurrent loans to loans | 5.4812% | 1,185 |
| Net loans and leases to total assets | 64.4193% | 4,509 |
| Net loans and leases to deposits | 78.6069% | 4,256 |
| Net loans and leases to core deposits | 156.9929% | 376 |
| Total domestic deposits to total assets | 81.9513% | 4,966 |
| Equity capital to assets | 7.8878% | 6,687 |
| Core capital (leverage) ratio | 8.7929% | 4,778 |
| Tier 1 risk-based capital ratio | 10.5272% | 6,369 |
| Total risk-based capital ratio | 11.7832% | 6,342 |
| Memoranda: | ||
| Average total assets | $188,286,400 | 3,306 |
| Average earning assets | $169,411,800 | 3,360 |
| Average equity | $17,196,600 | 3,633 |
| Average total loans | $125,441,400 | 3,364 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1093% | 257 |
| Cost of funding earning assets | 3.0214% | 311 |
| Net interest margin | 4.0879% | 2,454 |
| Noninterest income to average assets | -0.9350% | 8,074 |
| Noninterest expense to average assets | 2.3396% | 6,596 |
| Loan and lease loss provision to assets | 0.2984% | 4,578 |
| Net operating income to assets | -0.0256% | 5,751 |
| Return on assets (ROA) | -0.6316% | 6,559 |
| Pretax return on assets | -0.4945% | 6,290 |
| Return on Equity (ROE) | -6.6840% | 6,631 |
| Retained earnings to average equity (ytd only) | -8.3531% | 6,642 |
| Net charge-offs to loans | 0.4020% | 3,649 |
| Credit loss provision to net charge-offs | 111.1111% | 4,573 |
| Earnings coverage of net charge-offs (x) | 1.5264% | 4,639 |
| Efficiency ratio | 85.0904% | 2,170 |
| Assets per employee ($millions) | 4.1369% | 3,491 |
| Cash dividends to net income (ytd only)* | -24.9717% | 7,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 7,080 |
| Loan loss allowance to noncurrent loans | 16.6924% | 7,256 |
| Noncurrent assets plus other real estate owned to assets | 3.6151% | 1,820 |
| Noncurrent loans to loans | 4.8669% | 1,390 |
| Net loans and leases to total assets | 67.8174% | 3,997 |
| Net loans and leases to deposits | 90.6466% | 2,453 |
| Net loans and leases to core deposits | 183.2483% | 168 |
| Total domestic deposits to total assets | 74.8151% | 6,809 |
| Equity capital to assets | 8.8642% | 5,684 |
| Core capital (leverage) ratio | 10.1000% | 3,175 |
| Tier 1 risk-based capital ratio | 11.7501% | 5,202 |
| Total risk-based capital ratio | 12.4150% | 5,739 |
| Memoranda: | ||
| Average total assets | $187,660,750 | 3,342 |
| Average earning assets | $169,145,750 | 3,381 |
| Average equity | $17,733,500 | 3,573 |
| Average total loans | $125,366,750 | 3,397 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3039% | 205 |
| Cost of funding earning assets | 3.1062% | 343 |
| Net interest margin | 4.1976% | 2,008 |
| Noninterest income to average assets | -1.6591% | 8,174 |
| Noninterest expense to average assets | 2.3063% | 6,742 |
| Loan and lease loss provision to assets | 0.2913% | 4,244 |
| Net operating income to assets | -0.6893% | 6,741 |
| Return on assets (ROA) | -1.6591% | 7,309 |
| Pretax return on assets | -1.4509% | 7,067 |
| Return on Equity (ROE) | -17.1847% | 7,428 |
| Retained earnings to average equity (ytd only) | -19.6652% | 7,444 |
| Net charge-offs to loans | 0.3761% | 3,314 |
| Credit loss provision to net charge-offs | 116.8831% | 3,972 |
| Earnings coverage of net charge-offs (x) | -0.7619% | 6,167 |
| Efficiency ratio | 108.9704% | 877 |
| Assets per employee ($millions) | 3.9928% | 3,691 |
| Cash dividends to net income (ytd only)* | -14.4343% | 7,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,977 |
| Loan loss allowance to noncurrent loans | 36.0442% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8621% | 3,385 |
| Noncurrent loans to loans | 2.3620% | 3,065 |
| Net loans and leases to total assets | 68.2888% | 4,111 |
| Net loans and leases to deposits | 91.2234% | 2,611 |
| Net loans and leases to core deposits | 185.2781% | 181 |
| Total domestic deposits to total assets | 74.8588% | 6,788 |
| Equity capital to assets | 8.9951% | 5,327 |
| Core capital (leverage) ratio | 9.9423% | 3,356 |
| Tier 1 risk-based capital ratio | 11.7622% | 5,137 |
| Total risk-based capital ratio | 12.4493% | 5,603 |
| Memoranda: | ||
| Average total assets | $185,403,000 | 3,402 |
| Average earning assets | $166,760,670 | 3,448 |
| Average equity | $17,899,670 | 3,564 |
| Average total loans | $122,842,330 | 3,478 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4950% | 168 |
| Cost of funding earning assets | 3.1758% | 369 |
| Net interest margin | 4.3192% | 1,550 |
| Noninterest income to average assets | 0.4424% | 4,853 |
| Noninterest expense to average assets | 2.3149% | 6,487 |
| Loan and lease loss provision to assets | 0.2899% | 3,634 |
| Net operating income to assets | 1.2590% | 1,480 |
| Return on assets (ROA) | 1.3464% | 1,364 |
| Pretax return on assets | 1.8253% | 932 |
| Return on Equity (ROE) | 13.4919% | 1,270 |
| Retained earnings to average equity (ytd only) | 8.7148% | 1,565 |
| Net charge-offs to loans | 0.3867% | 2,550 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 7.9487% | 2,268 |
| Efficiency ratio | 53.6853% | 7,250 |
| Assets per employee ($millions) | 3.9733% | 3,716 |
| Cash dividends to net income (ytd only)* | 35.4067% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,897 |
| Loan loss allowance to noncurrent loans | 37.4601% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 2,827 |
| Noncurrent loans to loans | 2.3069% | 2,849 |
| Net loans and leases to total assets | 64.8712% | 4,826 |
| Net loans and leases to deposits | 87.2268% | 3,430 |
| Net loans and leases to core deposits | 174.7847% | 288 |
| Total domestic deposits to total assets | 74.3707% | 6,826 |
| Equity capital to assets | 9.9900% | 4,015 |
| Core capital (leverage) ratio | 10.9373% | 2,551 |
| Tier 1 risk-based capital ratio | 13.1395% | 4,092 |
| Total risk-based capital ratio | 13.8131% | 4,429 |
| Memoranda: | ||
| Average total assets | $186,271,000 | 3,408 |
| Average earning assets | $166,884,500 | 3,467 |
| Average equity | $18,589,000 | 3,475 |
| Average total loans | $121,013,000 | 3,534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7144% | 272 |
| Cost of funding earning assets | 3.6713% | 293 |
| Net interest margin | 4.0431% | 2,935 |
| Noninterest income to average assets | 0.4306% | 5,209 |
| Noninterest expense to average assets | 2.2035% | 6,954 |
| Loan and lease loss provision to assets | 0.2371% | 4,532 |
| Net operating income to assets | 1.1767% | 1,850 |
| Return on assets (ROA) | 1.2249% | 1,645 |
| Pretax return on assets | 1.7201% | 1,101 |
| Return on Equity (ROE) | 12.2994% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.0981% | 315 |
| Net charge-offs to loans | 0.3437% | 3,108 |
| Credit loss provision to net charge-offs | 109.1811% | 4,926 |
| Earnings coverage of net charge-offs (x) | 8.6998% | 2,834 |
| Efficiency ratio | 53.8381% | 7,284 |
| Assets per employee ($millions) | 3.9531% | 3,613 |
| Cash dividends to net income (ytd only)* | 9.7668% | 4,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,823 |
| Loan loss allowance to noncurrent loans | 35.4629% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 2.1039% | 2,331 |
| Noncurrent loans to loans | 2.4427% | 2,243 |
| Net loans and leases to total assets | 63.9344% | 5,285 |
| Net loans and leases to deposits | 85.7296% | 4,156 |
| Net loans and leases to core deposits | 164.3815% | 503 |
| Total domestic deposits to total assets | 74.5768% | 6,540 |
| Equity capital to assets | 9.9691% | 4,074 |
| Core capital (leverage) ratio | 10.7903% | 2,752 |
| Tier 1 risk-based capital ratio | 13.0644% | 4,078 |
| Total risk-based capital ratio | 13.7359% | 4,352 |
| Memoranda: | ||
| Average total assets | $185,569,400 | 3,330 |
| Average earning assets | $168,089,000 | 3,361 |
| Average equity | $18,480,600 | 3,482 |
| Average total loans | $117,250,400 | 3,519 |