Home > First National Bank and Trust Company of Weatherford > Performance and Condition Ratios
First National Bank and Trust Company of Weatherford, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2129% | 482 |
| Cost of funding earning assets | 1.6218% | 1,634 |
| Net interest margin | 4.5911% | 536 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.6382% | 486 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9178% | 2,493 |
| Return on assets (ROA) | 0.9237% | 2,445 |
| Pretax return on assets | 1.1513% | 2,259 |
| Return on Equity (ROE) | 11.7100% | 2,036 |
| Retained earnings to average equity (ytd only) | 7.8930% | 1,574 |
| Net charge-offs to loans | 0.4114% | 250 |
| Credit loss provision to net charge-offs | 28.3333% | 2,281 |
| Earnings coverage of net charge-offs (x) | 4.0830% | 2,610 |
| Efficiency ratio | 74.7464% | 1,374 |
| Assets per employee ($millions) | 4.9229% | 3,692 |
| Cash dividends to net income (ytd only)* | 32.5910% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 1,995 |
| Loan loss allowance to noncurrent loans | 147.4829% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 874 |
| Noncurrent loans to loans | 0.8500% | 898 |
| Net loans and leases to total assets | 72.3000% | 1,545 |
| Net loans and leases to deposits | 79.8622% | 2,122 |
| Net loans and leases to core deposits | 89.7676% | 2,069 |
| Total domestic deposits to total assets | 90.5300% | 623 |
| Equity capital to assets | 8.6069% | 2,970 |
| Core capital (leverage) ratio | 9.4164% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $996,510,600 | 990 |
| Average earning assets | $905,362,800 | 993 |
| Average equity | $78,613,600 | 1,144 |
| Average total loans | $729,136,200 | 923 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0558% | 494 |
| Cost of funding earning assets | 1.4940% | 1,626 |
| Net interest margin | 4.5618% | 565 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.5978% | 500 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.9398% | 2,547 |
| Return on assets (ROA) | 0.9478% | 2,507 |
| Pretax return on assets | 1.1824% | 2,340 |
| Return on Equity (ROE) | 12.2900% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.0947% | 2,250 |
| Net charge-offs to loans | 0.5397% | 160 |
| Credit loss provision to net charge-offs | 25.3721% | 1,990 |
| Earnings coverage of net charge-offs (x) | 3.2236% | 2,443 |
| Efficiency ratio | 73.8688% | 1,374 |
| Assets per employee ($millions) | 4.9383% | 3,646 |
| Cash dividends to net income (ytd only)* | 42.2773% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,206 |
| Loan loss allowance to noncurrent loans | 126.5349% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 562 |
| Noncurrent loans to loans | 0.9735% | 844 |
| Net loans and leases to total assets | 72.9200% | 1,475 |
| Net loans and leases to deposits | 79.3379% | 2,110 |
| Net loans and leases to core deposits | 89.2604% | 1,979 |
| Total domestic deposits to total assets | 91.9100% | 469 |
| Equity capital to assets | 7.8303% | 3,161 |
| Core capital (leverage) ratio | 9.3336% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $998,263,500 | 989 |
| Average earning assets | $905,271,500 | 996 |
| Average equity | $76,975,750 | 1,159 |
| Average total loans | $730,302,000 | 920 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8734% | 517 |
| Cost of funding earning assets | 1.3629% | 1,548 |
| Net interest margin | 4.5105% | 598 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.5211% | 527 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.9185% | 2,695 |
| Return on assets (ROA) | 0.9357% | 2,616 |
| Pretax return on assets | 1.1632% | 2,466 |
| Return on Equity (ROE) | 12.2000% | 2,091 |
| Retained earnings to average equity (ytd only) | 4.3766% | 3,107 |
| Net charge-offs to loans | 0.7882% | 106 |
| Credit loss provision to net charge-offs | 26.0870% | 1,748 |
| Earnings coverage of net charge-offs (x) | 2.2470% | 2,315 |
| Efficiency ratio | 73.1594% | 1,445 |
| Assets per employee ($millions) | 4.8872% | 3,687 |
| Cash dividends to net income (ytd only)* | 64.1163% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,020 |
| Loan loss allowance to noncurrent loans | 190.3448% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 684 |
| Noncurrent loans to loans | 0.6712% | 1,113 |
| Net loans and leases to total assets | 71.2900% | 1,607 |
| Net loans and leases to deposits | 77.5236% | 2,176 |
| Net loans and leases to core deposits | 86.6485% | 2,024 |
| Total domestic deposits to total assets | 91.9600% | 421 |
| Equity capital to assets | 7.8650% | 3,301 |
| Core capital (leverage) ratio | 9.0390% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,000,153,667 | 975 |
| Average earning assets | $905,976,667 | 988 |
| Average equity | $76,726,667 | 1,154 |
| Average total loans | $729,464,667 | 911 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7042% | 460 |
| Cost of funding earning assets | 1.1934% | 1,471 |
| Net interest margin | 4.5108% | 581 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 3.6026% | 485 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.7782% | 3,264 |
| Return on assets (ROA) | 0.8129% | 3,104 |
| Pretax return on assets | 1.0066% | 2,972 |
| Return on Equity (ROE) | 10.6200% | 2,600 |
| Retained earnings to average equity (ytd only) | 0.2490% | 3,981 |
| Net charge-offs to loans | 0.0303% | 1,102 |
| Credit loss provision to net charge-offs | 982.1429% | 367 |
| Earnings coverage of net charge-offs (x) | 53.1786% | 1,082 |
| Efficiency ratio | 75.2945% | 1,221 |
| Assets per employee ($millions) | 5.1951% | 3,506 |
| Cash dividends to net income (ytd only)* | 97.6563% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,080 |
| Loan loss allowance to noncurrent loans | 145.6465% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 400 |
| Noncurrent loans to loans | 1.0748% | 667 |
| Net loans and leases to total assets | 72.4100% | 1,383 |
| Net loans and leases to deposits | 78.5028% | 1,928 |
| Net loans and leases to core deposits | 89.3722% | 1,657 |
| Total domestic deposits to total assets | 92.2400% | 462 |
| Equity capital to assets | 7.5928% | 3,512 |
| Core capital (leverage) ratio | 8.8697% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2353% | 2,655 |
| Memoranda: | ||
| Average total assets | $1,007,710,500 | 982 |
| Average earning assets | $914,341,500 | 994 |
| Average equity | $77,123,000 | 1,160 |
| Average total loans | $738,851,500 | 921 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 325 |
| Cost of funding earning assets | 0.3287% | 2,647 |
| Net interest margin | 4.6247% | 236 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 3.1583% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4730% | 953 |
| Return on assets (ROA) | 1.4730% | 914 |
| Pretax return on assets | 1.8741% | 619 |
| Return on Equity (ROE) | 18.6000% | 621 |
| Retained earnings to average equity (ytd only) | 12.4267% | 601 |
| Net charge-offs to loans | -0.2947% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7437% | 2,665 |
| Assets per employee ($millions) | 5.3325% | 3,384 |
| Cash dividends to net income (ytd only)* | 33.1733% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 1,737 |
| Loan loss allowance to noncurrent loans | 153.2997% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 529 |
| Noncurrent loans to loans | 0.8713% | 856 |
| Net loans and leases to total assets | 72.1000% | 1,407 |
| Net loans and leases to deposits | 79.9354% | 1,774 |
| Net loans and leases to core deposits | 91.8696% | 1,399 |
| Total domestic deposits to total assets | 90.1900% | 1,276 |
| Equity capital to assets | 7.7151% | 3,243 |
| Core capital (leverage) ratio | 9.5586% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6530% | 2,506 |
| Memoranda: | ||
| Average total assets | $961,831,400 | 1,021 |
| Average earning assets | $875,082,200 | 1,020 |
| Average equity | $76,191,000 | 1,177 |
| Average total loans | $663,004,400 | 951 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 374 |
| Cost of funding earning assets | 0.2574% | 2,636 |
| Net interest margin | 4.4071% | 278 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.1447% | 734 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 1.4669% | 915 |
| Return on assets (ROA) | 1.4669% | 899 |
| Pretax return on assets | 1.8756% | 622 |
| Return on Equity (ROE) | 18.3900% | 594 |
| Retained earnings to average equity (ytd only) | 10.1481% | 1,304 |
| Net charge-offs to loans | -0.3914% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8070% | 2,438 |
| Assets per employee ($millions) | 5.0584% | 3,625 |
| Cash dividends to net income (ytd only)* | 44.8259% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,341 |
| Loan loss allowance to noncurrent loans | 103.3069% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1578% | 370 |
| Noncurrent loans to loans | 1.1972% | 616 |
| Net loans and leases to total assets | 69.6100% | 1,513 |
| Net loans and leases to deposits | 75.2560% | 1,941 |
| Net loans and leases to core deposits | 78.5105% | 2,004 |
| Total domestic deposits to total assets | 92.5000% | 718 |
| Equity capital to assets | 7.2824% | 3,351 |
| Core capital (leverage) ratio | 9.0733% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6650% | 2,590 |
| Memoranda: | ||
| Average total assets | $952,995,250 | 1,034 |
| Average earning assets | $868,130,250 | 1,042 |
| Average equity | $76,005,500 | 1,193 |
| Average total loans | $646,590,000 | 969 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 335 |
| Cost of funding earning assets | 0.2672% | 2,059 |
| Net interest margin | 4.2968% | 269 |
| Noninterest income to average assets | 0.8662% | 912 |
| Noninterest expense to average assets | 3.0461% | 798 |
| Loan and lease loss provision to assets | -0.3168% | 4,726 |
| Net operating income to assets | 1.5976% | 548 |
| Return on assets (ROA) | 1.5976% | 535 |
| Pretax return on assets | 2.0595% | 333 |
| Return on Equity (ROE) | 19.4535% | 347 |
| Retained earnings to average equity (ytd only) | 9.9376% | 1,040 |
| Net charge-offs to loans | -0.6417% | 4,706 |
| Credit loss provision to net charge-offs | 73.7463% | 1,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6087% | 2,824 |
| Assets per employee ($millions) | 5.1530% | 3,544 |
| Cash dividends to net income (ytd only)* | 48.9159% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,418 |
| Loan loss allowance to noncurrent loans | 89.3457% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 320 |
| Noncurrent loans to loans | 1.4032% | 536 |
| Net loans and leases to total assets | 67.4992% | 1,527 |
| Net loans and leases to deposits | 73.3797% | 1,923 |
| Net loans and leases to core deposits | 76.8251% | 1,940 |
| Total domestic deposits to total assets | 91.9861% | 839 |
| Equity capital to assets | 7.7424% | 3,310 |
| Core capital (leverage) ratio | 9.1269% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6932% | 2,613 |
| Memoranda: | ||
| Average total assets | $946,923,333 | 1,037 |
| Average earning assets | $864,461,000 | 1,048 |
| Average equity | $77,765,000 | 1,199 |
| Average total loans | $633,941,000 | 978 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 689 |
| Cost of funding earning assets | 0.3078% | 1,580 |
| Net interest margin | 3.7489% | 689 |
| Noninterest income to average assets | 0.6491% | 1,497 |
| Noninterest expense to average assets | 3.2897% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6491% | 3,234 |
| Return on assets (ROA) | 0.6491% | 3,217 |
| Pretax return on assets | 0.7842% | 3,156 |
| Return on Equity (ROE) | 7.6771% | 2,814 |
| Retained earnings to average equity (ytd only) | 7.6771% | 1,681 |
| Net charge-offs to loans | 0.3117% | 206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.7992% | 1,651 |
| Efficiency ratio | 80.7511% | 1,089 |
| Assets per employee ($millions) | 6.0622% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,991 |
| Loan loss allowance to noncurrent loans | 54.3947% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 255 |
| Noncurrent loans to loans | 2.1560% | 319 |
| Net loans and leases to total assets | 65.7486% | 1,435 |
| Net loans and leases to deposits | 71.8534% | 1,791 |
| Net loans and leases to core deposits | 75.4281% | 1,813 |
| Total domestic deposits to total assets | 91.5037% | 804 |
| Equity capital to assets | 8.1944% | 3,412 |
| Core capital (leverage) ratio | 8.9304% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4169% | 2,438 |
| Memoranda: | ||
| Average total assets | $935,999,000 | 1,050 |
| Average earning assets | $855,086,000 | 1,065 |
| Average equity | $79,144,500 | 1,211 |
| Average total loans | $619,804,000 | 993 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 315 |
| Cost of funding earning assets | 0.4292% | 1,338 |
| Net interest margin | 4.4463% | 302 |
| Noninterest income to average assets | 0.6971% | 1,776 |
| Noninterest expense to average assets | 3.2435% | 684 |
| Loan and lease loss provision to assets | 0.0804% | 1,522 |
| Net operating income to assets | 1.2033% | 1,912 |
| Return on assets (ROA) | 1.2033% | 1,961 |
| Pretax return on assets | 1.4574% | 1,859 |
| Return on Equity (ROE) | 13.7583% | 1,255 |
| Retained earnings to average equity (ytd only) | 10.0923% | 895 |
| Net charge-offs to loans | -0.0324% | 4,155 |
| Credit loss provision to net charge-offs | -366.6667% | 3,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8369% | 2,005 |
| Assets per employee ($millions) | 5.3018% | 3,476 |
| Cash dividends to net income (ytd only)* | 26.6455% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,596 |
| Loan loss allowance to noncurrent loans | 111.0523% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 827 |
| Noncurrent loans to loans | 1.1308% | 857 |
| Net loans and leases to total assets | 65.0820% | 1,574 |
| Net loans and leases to deposits | 71.3886% | 1,971 |
| Net loans and leases to core deposits | 75.4259% | 1,965 |
| Total domestic deposits to total assets | 91.1659% | 429 |
| Equity capital to assets | 8.7155% | 3,873 |
| Core capital (leverage) ratio | 8.9363% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6823% | 2,371 |
| Memoranda: | ||
| Average total assets | $888,860,800 | 1,056 |
| Average earning assets | $816,468,200 | 1,066 |
| Average equity | $77,742,200 | 1,236 |
| Average total loans | $602,367,200 | 1,010 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 464 |
| Cost of funding earning assets | 0.4468% | 1,376 |
| Net interest margin | 4.2803% | 470 |
| Noninterest income to average assets | 0.6319% | 2,090 |
| Noninterest expense to average assets | 3.1801% | 737 |
| Loan and lease loss provision to assets | 0.0930% | 1,281 |
| Net operating income to assets | 1.0811% | 2,621 |
| Return on assets (ROA) | 1.0811% | 2,682 |
| Pretax return on assets | 1.2932% | 2,640 |
| Return on Equity (ROE) | 12.3494% | 1,917 |
| Retained earnings to average equity (ytd only) | 8.0922% | 2,028 |
| Net charge-offs to loans | -0.0403% | 4,259 |
| Credit loss provision to net charge-offs | -337.5691% | 3,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6439% | 1,640 |
| Assets per employee ($millions) | 5.2663% | 3,434 |
| Cash dividends to net income (ytd only)* | 34.4731% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,670 |
| Loan loss allowance to noncurrent loans | 99.0034% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 820 |
| Noncurrent loans to loans | 1.2746% | 860 |
| Net loans and leases to total assets | 66.0715% | 1,538 |
| Net loans and leases to deposits | 72.5158% | 2,002 |
| Net loans and leases to core deposits | 76.9441% | 1,967 |
| Total domestic deposits to total assets | 91.1132% | 334 |
| Equity capital to assets | 8.7104% | 4,060 |
| Core capital (leverage) ratio | 8.9062% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7401% | 2,455 |
| Memoranda: | ||
| Average total assets | $876,471,750 | 1,078 |
| Average earning assets | $805,620,750 | 1,090 |
| Average equity | $76,730,750 | 1,267 |
| Average total loans | $598,332,000 | 1,032 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 537 |
| Cost of funding earning assets | 0.4671% | 1,405 |
| Net interest margin | 4.2231% | 558 |
| Noninterest income to average assets | 0.6210% | 2,127 |
| Noninterest expense to average assets | 3.2544% | 658 |
| Loan and lease loss provision to assets | 0.0833% | 1,467 |
| Net operating income to assets | 0.9967% | 2,898 |
| Return on assets (ROA) | 0.9967% | 2,979 |
| Pretax return on assets | 1.1677% | 2,999 |
| Return on Equity (ROE) | 11.3646% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.5492% | 2,232 |
| Net charge-offs to loans | -0.0514% | 4,387 |
| Credit loss provision to net charge-offs | -235.9477% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2342% | 1,413 |
| Assets per employee ($millions) | 4.1478% | 4,364 |
| Cash dividends to net income (ytd only)* | 33.5726% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,747 |
| Loan loss allowance to noncurrent loans | 103.0765% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 977 |
| Noncurrent loans to loans | 1.1992% | 1,002 |
| Net loans and leases to total assets | 67.2909% | 1,540 |
| Net loans and leases to deposits | 73.9460% | 2,006 |
| Net loans and leases to core deposits | 78.6998% | 1,987 |
| Total domestic deposits to total assets | 91.0001% | 376 |
| Equity capital to assets | 8.8415% | 3,932 |
| Core capital (leverage) ratio | 8.6586% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4539% | 2,188 |
| Memoranda: | ||
| Average total assets | $866,694,000 | 1,084 |
| Average earning assets | $797,188,667 | 1,094 |
| Average equity | $76,008,000 | 1,272 |
| Average total loans | $595,733,333 | 1,036 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 586 |
| Cost of funding earning assets | 0.4800% | 1,518 |
| Net interest margin | 4.2002% | 598 |
| Noninterest income to average assets | 0.6252% | 2,108 |
| Noninterest expense to average assets | 3.1668% | 749 |
| Loan and lease loss provision to assets | 0.0979% | 1,375 |
| Net operating income to assets | 0.9976% | 2,809 |
| Return on assets (ROA) | 0.9976% | 2,906 |
| Pretax return on assets | 1.2286% | 2,764 |
| Return on Equity (ROE) | 11.4230% | 2,214 |
| Retained earnings to average equity (ytd only) | 6.1124% | 2,849 |
| Net charge-offs to loans | 0.0316% | 1,169 |
| Credit loss provision to net charge-offs | 448.9362% | 619 |
| Earnings coverage of net charge-offs (x) | 60.8511% | 815 |
| Efficiency ratio | 70.4789% | 1,648 |
| Assets per employee ($millions) | 5.0798% | 3,552 |
| Cash dividends to net income (ytd only)* | 46.4900% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 3,054 |
| Loan loss allowance to noncurrent loans | 98.0724% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 1,101 |
| Noncurrent loans to loans | 1.1999% | 1,098 |
| Net loans and leases to total assets | 66.3238% | 1,754 |
| Net loans and leases to deposits | 72.7038% | 2,243 |
| Net loans and leases to core deposits | 77.5038% | 2,224 |
| Total domestic deposits to total assets | 91.2247% | 321 |
| Equity capital to assets | 8.4976% | 4,119 |
| Core capital (leverage) ratio | 8.8899% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8201% | 2,733 |
| Memoranda: | ||
| Average total assets | $862,443,500 | 1,082 |
| Average earning assets | $794,245,500 | 1,086 |
| Average equity | $75,322,000 | 1,272 |
| Average total loans | $595,451,000 | 1,043 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 748 |
| Cost of funding earning assets | 0.7268% | 1,577 |
| Net interest margin | 4.0654% | 843 |
| Noninterest income to average assets | 0.4791% | 2,732 |
| Noninterest expense to average assets | 2.7936% | 1,958 |
| Loan and lease loss provision to assets | 0.0933% | 3,186 |
| Net operating income to assets | 1.0761% | 2,001 |
| Return on assets (ROA) | 1.0903% | 2,081 |
| Pretax return on assets | 1.3653% | 1,769 |
| Return on Equity (ROE) | 12.9859% | 1,045 |
| Retained earnings to average equity (ytd only) | 11.7314% | 350 |
| Net charge-offs to loans | -0.0225% | 4,461 |
| Credit loss provision to net charge-offs | -632.6531% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9726% | 2,532 |
| Assets per employee ($millions) | 6.2299% | 2,142 |
| Cash dividends to net income (ytd only)* | 9.6605% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 2,215 |
| Loan loss allowance to noncurrent loans | 494.7842% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 3,461 |
| Noncurrent loans to loans | 0.2718% | 3,220 |
| Net loans and leases to total assets | 55.8458% | 3,318 |
| Net loans and leases to deposits | 60.9341% | 3,687 |
| Net loans and leases to core deposits | 66.7805% | 3,480 |
| Total domestic deposits to total assets | 91.6496% | 110 |
| Equity capital to assets | 8.2301% | 4,610 |
| Core capital (leverage) ratio | 7.8989% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8114% | 1,922 |
| Memoranda: | ||
| Average total assets | $332,296,800 | 2,128 |
| Average earning assets | $306,957,000 | 2,136 |
| Average equity | $27,899,400 | 2,604 |
| Average total loans | $217,593,400 | 2,120 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 623 |
| Cost of funding earning assets | 0.7544% | 1,713 |
| Net interest margin | 4.2295% | 690 |
| Noninterest income to average assets | 0.4500% | 2,847 |
| Noninterest expense to average assets | 2.8706% | 1,769 |
| Loan and lease loss provision to assets | 0.1271% | 2,760 |
| Net operating income to assets | 1.0760% | 2,060 |
| Return on assets (ROA) | 1.0760% | 2,193 |
| Pretax return on assets | 1.3528% | 1,869 |
| Return on Equity (ROE) | 12.7452% | 1,186 |
| Retained earnings to average equity (ytd only) | 11.0445% | 568 |
| Net charge-offs to loans | -0.0296% | 4,529 |
| Credit loss provision to net charge-offs | -632.6531% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9815% | 2,465 |
| Assets per employee ($millions) | 6.7113% | 1,670 |
| Cash dividends to net income (ytd only)* | 13.3435% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,319 |
| Loan loss allowance to noncurrent loans | 175.3827% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 1,779 |
| Noncurrent loans to loans | 0.7215% | 1,997 |
| Net loans and leases to total assets | 55.1276% | 3,697 |
| Net loans and leases to deposits | 63.8854% | 3,799 |
| Net loans and leases to core deposits | 69.5015% | 3,659 |
| Total domestic deposits to total assets | 86.2913% | 1,940 |
| Equity capital to assets | 7.3651% | 4,886 |
| Core capital (leverage) ratio | 8.3193% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5590% | 1,979 |
| Memoranda: | ||
| Average total assets | $325,037,500 | 2,144 |
| Average earning assets | $299,757,000 | 2,157 |
| Average equity | $27,439,750 | 2,628 |
| Average total loans | $220,856,500 | 2,101 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2866% | 492 |
| Cost of funding earning assets | 0.8281% | 1,685 |
| Net interest margin | 4.4585% | 550 |
| Noninterest income to average assets | 0.4466% | 2,820 |
| Noninterest expense to average assets | 3.0333% | 1,498 |
| Loan and lease loss provision to assets | 0.1647% | 2,354 |
| Net operating income to assets | 1.0697% | 2,073 |
| Return on assets (ROA) | 1.0697% | 2,197 |
| Pretax return on assets | 1.3411% | 1,898 |
| Return on Equity (ROE) | 12.0163% | 1,332 |
| Retained earnings to average equity (ytd only) | 9.4266% | 902 |
| Net charge-offs to loans | 0.0477% | 1,800 |
| Credit loss provision to net charge-offs | 471.6981% | 1,278 |
| Earnings coverage of net charge-offs (x) | 43.1321% | 1,193 |
| Efficiency ratio | 66.8263% | 2,401 |
| Assets per employee ($millions) | 6.0162% | 2,174 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,094 |
| Loan loss allowance to noncurrent loans | 91.4488% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 1,485 |
| Noncurrent loans to loans | 1.1974% | 1,310 |
| Net loans and leases to total assets | 68.1670% | 2,320 |
| Net loans and leases to deposits | 78.7533% | 2,574 |
| Net loans and leases to core deposits | 86.4085% | 2,404 |
| Total domestic deposits to total assets | 86.5577% | 1,785 |
| Equity capital to assets | 8.0718% | 4,681 |
| Core capital (leverage) ratio | 8.7068% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9456% | 2,638 |
| Memoranda: | ||
| Average total assets | $303,631,000 | 2,233 |
| Average earning assets | $278,702,667 | 2,262 |
| Average equity | $27,030,000 | 2,642 |
| Average total loans | $222,029,333 | 2,065 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 307 |
| Cost of funding earning assets | 0.9303% | 1,739 |
| Net interest margin | 4.6637% | 366 |
| Noninterest income to average assets | 0.5099% | 2,505 |
| Noninterest expense to average assets | 3.3819% | 1,098 |
| Loan and lease loss provision to assets | 0.1409% | 1,980 |
| Net operating income to assets | 0.9874% | 2,221 |
| Return on assets (ROA) | 0.9874% | 2,319 |
| Pretax return on assets | 1.2451% | 2,049 |
| Return on Equity (ROE) | 10.4999% | 1,575 |
| Retained earnings to average equity (ytd only) | 10.4999% | 643 |
| Net charge-offs to loans | 0.0726% | 1,303 |
| Credit loss provision to net charge-offs | 256.4103% | 1,270 |
| Earnings coverage of net charge-offs (x) | 25.2308% | 1,288 |
| Efficiency ratio | 70.9306% | 2,231 |
| Assets per employee ($millions) | 5.2036% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,958 |
| Loan loss allowance to noncurrent loans | 128.7815% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,012 |
| Noncurrent loans to loans | 0.8895% | 1,835 |
| Net loans and leases to total assets | 72.6139% | 1,841 |
| Net loans and leases to deposits | 80.2728% | 2,649 |
| Net loans and leases to core deposits | 89.0332% | 2,441 |
| Total domestic deposits to total assets | 90.4589% | 204 |
| Equity capital to assets | 9.3129% | 4,382 |
| Core capital (leverage) ratio | 9.5732% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8435% | 2,778 |
| Memoranda: | ||
| Average total assets | $283,984,500 | 2,295 |
| Average earning assets | $259,278,500 | 2,325 |
| Average equity | $26,705,000 | 2,657 |
| Average total loans | $214,869,500 | 2,081 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9806% | 234 |
| Cost of funding earning assets | 0.9253% | 2,083 |
| Net interest margin | 5.0553% | 238 |
| Noninterest income to average assets | 0.4872% | 2,821 |
| Noninterest expense to average assets | 3.3155% | 1,266 |
| Loan and lease loss provision to assets | 0.0382% | 3,251 |
| Net operating income to assets | 1.3869% | 1,386 |
| Return on assets (ROA) | 1.3869% | 1,467 |
| Pretax return on assets | 1.7383% | 1,089 |
| Return on Equity (ROE) | 14.1650% | 867 |
| Retained earnings to average equity (ytd only) | 5.9817% | 1,878 |
| Net charge-offs to loans | 0.1372% | 1,412 |
| Credit loss provision to net charge-offs | 34.4828% | 3,243 |
| Earnings coverage of net charge-offs (x) | 16.0552% | 2,197 |
| Efficiency ratio | 65.1131% | 2,911 |
| Assets per employee ($millions) | 4.7684% | 2,872 |
| Cash dividends to net income (ytd only)* | 57.7717% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 2,900 |
| Loan loss allowance to noncurrent loans | 244.9795% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 2,949 |
| Noncurrent loans to loans | 0.4525% | 2,817 |
| Net loans and leases to total assets | 77.1234% | 1,239 |
| Net loans and leases to deposits | 85.3642% | 2,169 |
| Net loans and leases to core deposits | 94.3400% | 2,026 |
| Total domestic deposits to total assets | 90.3462% | 227 |
| Equity capital to assets | 9.4994% | 4,355 |
| Core capital (leverage) ratio | 9.3959% | 4,175 |
| Tier 1 risk-based capital ratio | 11.6796% | 4,535 |
| Total risk-based capital ratio | 12.7422% | 4,508 |
| Memoranda: | ||
| Average total assets | $262,100,200 | 2,385 |
| Average earning assets | $238,739,000 | 2,416 |
| Average equity | $25,661,800 | 2,664 |
| Average total loans | $211,333,800 | 2,076 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9750% | 248 |
| Cost of funding earning assets | 0.8892% | 2,278 |
| Net interest margin | 5.0858% | 242 |
| Noninterest income to average assets | 0.4503% | 3,016 |
| Noninterest expense to average assets | 3.2337% | 1,402 |
| Loan and lease loss provision to assets | 0.0258% | 3,379 |
| Net operating income to assets | 1.4572% | 1,315 |
| Return on assets (ROA) | 1.4572% | 1,366 |
| Pretax return on assets | 1.8229% | 1,022 |
| Return on Equity (ROE) | 14.7655% | 831 |
| Retained earnings to average equity (ytd only) | 10.0614% | 733 |
| Net charge-offs to loans | 0.0514% | 2,096 |
| Credit loss provision to net charge-offs | 61.7284% | 2,694 |
| Earnings coverage of net charge-offs (x) | 44.2458% | 1,283 |
| Efficiency ratio | 63.6253% | 3,078 |
| Assets per employee ($millions) | 5.0205% | 2,538 |
| Cash dividends to net income (ytd only)* | 31.8584% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,505 |
| Loan loss allowance to noncurrent loans | 272.4359% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 3,170 |
| Noncurrent loans to loans | 0.4406% | 2,991 |
| Net loans and leases to total assets | 76.0065% | 1,479 |
| Net loans and leases to deposits | 84.2623% | 2,427 |
| Net loans and leases to core deposits | 93.0610% | 2,260 |
| Total domestic deposits to total assets | 90.2023% | 239 |
| Equity capital to assets | 9.6579% | 4,328 |
| Core capital (leverage) ratio | 9.9092% | 3,728 |
| Tier 1 risk-based capital ratio | 11.9151% | 4,454 |
| Total risk-based capital ratio | 13.0543% | 4,407 |
| Memoranda: | ||
| Average total assets | $258,483,750 | 2,425 |
| Average earning assets | $235,418,750 | 2,455 |
| Average equity | $25,509,250 | 2,684 |
| Average total loans | $210,245,250 | 2,099 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0316% | 218 |
| Cost of funding earning assets | 0.8374% | 2,461 |
| Net interest margin | 5.1942% | 200 |
| Noninterest income to average assets | 0.6041% | 2,127 |
| Noninterest expense to average assets | 3.3238% | 1,239 |
| Loan and lease loss provision to assets | 0.0396% | 3,028 |
| Net operating income to assets | 1.5827% | 944 |
| Return on assets (ROA) | 1.5827% | 983 |
| Pretax return on assets | 1.9604% | 736 |
| Return on Equity (ROE) | 15.9137% | 600 |
| Retained earnings to average equity (ytd only) | 8.7490% | 1,110 |
| Net charge-offs to loans | 0.0649% | 1,727 |
| Credit loss provision to net charge-offs | 73.5294% | 2,291 |
| Earnings coverage of net charge-offs (x) | 37.1471% | 1,294 |
| Efficiency ratio | 62.4331% | 3,360 |
| Assets per employee ($millions) | 4.9122% | 2,590 |
| Cash dividends to net income (ytd only)* | 45.0225% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,403 |
| Loan loss allowance to noncurrent loans | 13,489.4737% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,773 |
| Noncurrent loans to loans | 0.0091% | 4,681 |
| Net loans and leases to total assets | 79.5367% | 956 |
| Net loans and leases to deposits | 88.6877% | 1,912 |
| Net loans and leases to core deposits | 96.2078% | 2,045 |
| Total domestic deposits to total assets | 89.6817% | 419 |
| Equity capital to assets | 9.6518% | 4,272 |
| Core capital (leverage) ratio | 10.1406% | 3,458 |
| Tier 1 risk-based capital ratio | 11.6954% | 4,576 |
| Total risk-based capital ratio | 12.8552% | 4,525 |
| Memoranda: | ||
| Average total assets | $252,603,330 | 2,474 |
| Average earning assets | $229,523,330 | 2,506 |
| Average equity | $25,123,000 | 2,707 |
| Average total loans | $209,519,330 | 2,113 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1269% | 181 |
| Cost of funding earning assets | 0.7751% | 2,666 |
| Net interest margin | 5.3517% | 158 |
| Noninterest income to average assets | 0.5982% | 2,052 |
| Noninterest expense to average assets | 3.4318% | 1,066 |
| Loan and lease loss provision to assets | 0.0402% | 2,822 |
| Net operating income to assets | 1.6049% | 883 |
| Return on assets (ROA) | 1.6049% | 915 |
| Pretax return on assets | 1.9893% | 654 |
| Return on Equity (ROE) | 15.8914% | 602 |
| Retained earnings to average equity (ytd only) | 15.8914% | 229 |
| Net charge-offs to loans | 0.0726% | 1,336 |
| Credit loss provision to net charge-offs | 65.7895% | 1,883 |
| Earnings coverage of net charge-offs (x) | 33.2105% | 1,267 |
| Efficiency ratio | 62.8386% | 3,402 |
| Assets per employee ($millions) | 4.8696% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,519 |
| Loan loss allowance to noncurrent loans | 8,283.8710% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 3,776 |
| Noncurrent loans to loans | 0.0146% | 4,717 |
| Net loans and leases to total assets | 82.7309% | 501 |
| Net loans and leases to deposits | 92.3894% | 1,356 |
| Net loans and leases to core deposits | 99.0843% | 1,699 |
| Total domestic deposits to total assets | 89.5459% | 624 |
| Equity capital to assets | 10.1208% | 3,703 |
| Core capital (leverage) ratio | 10.2889% | 3,289 |
| Tier 1 risk-based capital ratio | 11.5820% | 4,701 |
| Total risk-based capital ratio | 12.7373% | 4,645 |
| Memoranda: | ||
| Average total assets | $248,733,000 | 2,525 |
| Average earning assets | $226,021,000 | 2,548 |
| Average equity | $25,120,500 | 2,705 |
| Average total loans | $209,463,000 | 2,140 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0657% | 152 |
| Cost of funding earning assets | 0.6004% | 2,714 |
| Net interest margin | 5.4653% | 115 |
| Noninterest income to average assets | 0.6097% | 2,240 |
| Noninterest expense to average assets | 3.3295% | 1,260 |
| Loan and lease loss provision to assets | 0.6278% | 176 |
| Net operating income to assets | 1.4054% | 1,415 |
| Return on assets (ROA) | 1.4054% | 1,402 |
| Pretax return on assets | 1.6664% | 1,259 |
| Return on Equity (ROE) | 14.9027% | 854 |
| Retained earnings to average equity (ytd only) | 7.9184% | 1,275 |
| Net charge-offs to loans | 0.4795% | 377 |
| Credit loss provision to net charge-offs | 152.5000% | 1,803 |
| Earnings coverage of net charge-offs (x) | 5.5730% | 3,179 |
| Efficiency ratio | 59.2050% | 3,987 |
| Assets per employee ($millions) | 4.6970% | 2,884 |
| Cash dividends to net income (ytd only)* | 46.8658% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,310 |
| Loan loss allowance to noncurrent loans | 8,065.6250% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 3,727 |
| Noncurrent loans to loans | 0.0155% | 4,727 |
| Net loans and leases to total assets | 83.6394% | 447 |
| Net loans and leases to deposits | 93.2595% | 1,365 |
| Net loans and leases to core deposits | 100.1790% | 1,705 |
| Total domestic deposits to total assets | 89.6845% | 584 |
| Equity capital to assets | 10.0772% | 3,604 |
| Core capital (leverage) ratio | 10.1307% | 3,418 |
| Tier 1 risk-based capital ratio | 11.6166% | 4,658 |
| Total risk-based capital ratio | 12.8283% | 4,578 |
| Memoranda: | ||
| Average total assets | $242,922,400 | 2,525 |
| Average earning assets | $222,861,000 | 2,540 |
| Average equity | $22,908,600 | 2,829 |
| Average total loans | $208,536,000 | 2,109 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0527% | 143 |
| Cost of funding earning assets | 0.5537% | 2,839 |
| Net interest margin | 5.4990% | 105 |
| Noninterest income to average assets | 0.6139% | 2,243 |
| Noninterest expense to average assets | 3.2575% | 1,394 |
| Loan and lease loss provision to assets | 0.8381% | 105 |
| Net operating income to assets | 1.3289% | 1,747 |
| Return on assets (ROA) | 1.3289% | 1,757 |
| Pretax return on assets | 1.5779% | 1,644 |
| Return on Equity (ROE) | 14.3397% | 1,028 |
| Retained earnings to average equity (ytd only) | 8.4093% | 1,467 |
| Net charge-offs to loans | 0.6585% | 217 |
| Credit loss provision to net charge-offs | 147.7713% | 1,728 |
| Earnings coverage of net charge-offs (x) | 4.2597% | 3,085 |
| Efficiency ratio | 57.4155% | 4,199 |
| Assets per employee ($millions) | 4.5387% | 3,061 |
| Cash dividends to net income (ytd only)* | 41.3565% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,621 |
| Loan loss allowance to noncurrent loans | 6,217.0732% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,836 |
| Noncurrent loans to loans | 0.0193% | 4,823 |
| Net loans and leases to total assets | 85.6025% | 302 |
| Net loans and leases to deposits | 95.2434% | 1,242 |
| Net loans and leases to core deposits | 101.8387% | 1,627 |
| Total domestic deposits to total assets | 89.8776% | 548 |
| Equity capital to assets | 9.8755% | 3,763 |
| Core capital (leverage) ratio | 9.9420% | 3,699 |
| Tier 1 risk-based capital ratio | 11.1496% | 4,971 |
| Total risk-based capital ratio | 12.3168% | 4,904 |
| Memoranda: | ||
| Average total assets | $242,591,750 | 2,533 |
| Average earning assets | $223,211,000 | 2,547 |
| Average equity | $22,482,500 | 2,876 |
| Average total loans | $208,953,500 | 2,109 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1181% | 122 |
| Cost of funding earning assets | 0.5092% | 2,942 |
| Net interest margin | 5.6089% | 98 |
| Noninterest income to average assets | 0.5956% | 2,343 |
| Noninterest expense to average assets | 3.2793% | 1,371 |
| Loan and lease loss provision to assets | 1.1747% | 61 |
| Net operating income to assets | 1.1375% | 2,445 |
| Return on assets (ROA) | 1.1375% | 2,451 |
| Pretax return on assets | 1.2988% | 2,521 |
| Return on Equity (ROE) | 12.5521% | 1,525 |
| Retained earnings to average equity (ytd only) | 3.4233% | 3,867 |
| Net charge-offs to loans | 0.4090% | 378 |
| Credit loss provision to net charge-offs | 334.1176% | 934 |
| Earnings coverage of net charge-offs (x) | 7.0353% | 2,582 |
| Efficiency ratio | 57.0032% | 4,362 |
| Assets per employee ($millions) | 4.7058% | 2,811 |
| Cash dividends to net income (ytd only)* | 72.7273% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,414 |
| Loan loss allowance to noncurrent loans | 473.0233% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 2,873 |
| Noncurrent loans to loans | 0.3160% | 3,574 |
| Net loans and leases to total assets | 82.1712% | 691 |
| Net loans and leases to deposits | 91.0533% | 1,702 |
| Net loans and leases to core deposits | 96.8313% | 1,982 |
| Total domestic deposits to total assets | 90.2452% | 488 |
| Equity capital to assets | 9.4708% | 4,134 |
| Core capital (leverage) ratio | 9.3436% | 4,309 |
| Tier 1 risk-based capital ratio | 11.0293% | 5,040 |
| Total risk-based capital ratio | 12.2815% | 4,937 |
| Memoranda: | ||
| Average total assets | $241,758,670 | 2,551 |
| Average earning assets | $222,291,330 | 2,570 |
| Average equity | $21,908,670 | 2,934 |
| Average total loans | $207,820,330 | 2,122 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 398 |
| Cost of funding earning assets | 0.4630% | 3,101 |
| Net interest margin | 4.8492% | 310 |
| Noninterest income to average assets | 0.6559% | 2,013 |
| Noninterest expense to average assets | 3.1762% | 1,620 |
| Loan and lease loss provision to assets | 0.2497% | 593 |
| Net operating income to assets | 1.4766% | 1,126 |
| Return on assets (ROA) | 1.4766% | 1,132 |
| Pretax return on assets | 1.6930% | 1,135 |
| Return on Equity (ROE) | 16.6765% | 541 |
| Retained earnings to average equity (ytd only) | 16.6765% | 210 |
| Net charge-offs to loans | 0.0057% | 2,528 |
| Credit loss provision to net charge-offs | 5,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 389.0000% | 175 |
| Efficiency ratio | 62.0488% | 3,770 |
| Assets per employee ($millions) | 4.6171% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,821 |
| Loan loss allowance to noncurrent loans | 202.3897% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 2,337 |
| Noncurrent loans to loans | 0.5060% | 3,001 |
| Net loans and leases to total assets | 88.6351% | 104 |
| Net loans and leases to deposits | 99.4490% | 752 |
| Net loans and leases to core deposits | 105.9069% | 1,245 |
| Total domestic deposits to total assets | 89.1262% | 1,036 |
| Equity capital to assets | 9.0433% | 4,508 |
| Core capital (leverage) ratio | 9.9647% | 3,572 |
| Tier 1 risk-based capital ratio | 10.8761% | 5,201 |
| Total risk-based capital ratio | 11.8816% | 5,211 |
| Memoranda: | ||
| Average total assets | $240,288,000 | 2,582 |
| Average earning assets | $221,150,000 | 2,602 |
| Average equity | $21,275,500 | 3,021 |
| Average total loans | $209,668,500 | 2,118 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 390 |
| Cost of funding earning assets | 0.4228% | 3,028 |
| Net interest margin | 4.8430% | 317 |
| Noninterest income to average assets | 0.6312% | 2,299 |
| Noninterest expense to average assets | 3.8140% | 684 |
| Loan and lease loss provision to assets | 0.3047% | 564 |
| Net operating income to assets | 0.5501% | 4,221 |
| Return on assets (ROA) | 0.5501% | 4,250 |
| Pretax return on assets | 0.9312% | 3,807 |
| Return on Equity (ROE) | 6.3637% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.3637% | 1,348 |
| Net charge-offs to loans | 0.2242% | 1,157 |
| Credit loss provision to net charge-offs | 160.2709% | 1,668 |
| Earnings coverage of net charge-offs (x) | 6.5011% | 3,171 |
| Efficiency ratio | 75.5269% | 1,691 |
| Assets per employee ($millions) | 4.6247% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,902 |
| Loan loss allowance to noncurrent loans | 352.6587% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 3,058 |
| Noncurrent loans to loans | 0.2853% | 3,759 |
| Net loans and leases to total assets | 84.1109% | 435 |
| Net loans and leases to deposits | 93.3476% | 1,349 |
| Net loans and leases to core deposits | 99.9432% | 1,721 |
| Total domestic deposits to total assets | 90.1050% | 534 |
| Equity capital to assets | 8.6654% | 4,980 |
| Core capital (leverage) ratio | 9.4402% | 4,116 |
| Tier 1 risk-based capital ratio | 10.7449% | 5,273 |
| Total risk-based capital ratio | 11.7083% | 5,296 |
| Memoranda: | ||
| Average total assets | $233,034,400 | 2,621 |
| Average earning assets | $212,617,200 | 2,636 |
| Average equity | $20,145,400 | 3,128 |
| Average total loans | $197,554,400 | 2,175 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 451 |
| Cost of funding earning assets | 0.4084% | 3,106 |
| Net interest margin | 4.7495% | 376 |
| Noninterest income to average assets | 0.6160% | 2,387 |
| Noninterest expense to average assets | 3.6065% | 865 |
| Loan and lease loss provision to assets | 0.2076% | 911 |
| Net operating income to assets | 0.8571% | 3,251 |
| Return on assets (ROA) | 0.8571% | 3,297 |
| Pretax return on assets | 1.1281% | 3,192 |
| Return on Equity (ROE) | 9.9203% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.9203% | 605 |
| Net charge-offs to loans | 0.0422% | 2,601 |
| Credit loss provision to net charge-offs | 580.6452% | 554 |
| Earnings coverage of net charge-offs (x) | 37.3569% | 1,369 |
| Efficiency ratio | 72.9723% | 2,050 |
| Assets per employee ($millions) | 4.4766% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,886 |
| Loan loss allowance to noncurrent loans | 179.4497% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 2,437 |
| Noncurrent loans to loans | 0.5759% | 2,965 |
| Net loans and leases to total assets | 82.6710% | 581 |
| Net loans and leases to deposits | 91.9707% | 1,571 |
| Net loans and leases to core deposits | 98.0608% | 1,878 |
| Total domestic deposits to total assets | 89.8885% | 507 |
| Equity capital to assets | 8.7054% | 5,142 |
| Core capital (leverage) ratio | 9.7988% | 3,821 |
| Tier 1 risk-based capital ratio | 10.7990% | 5,344 |
| Total risk-based capital ratio | 11.7879% | 5,368 |
| Memoranda: | ||
| Average total assets | $231,171,500 | 2,653 |
| Average earning assets | $210,570,000 | 2,675 |
| Average equity | $19,972,000 | 3,166 |
| Average total loans | $195,860,250 | 2,197 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 456 |
| Cost of funding earning assets | 0.4074% | 2,999 |
| Net interest margin | 4.7066% | 390 |
| Noninterest income to average assets | 0.5675% | 2,618 |
| Noninterest expense to average assets | 3.7224% | 751 |
| Loan and lease loss provision to assets | 0.1845% | 1,021 |
| Net operating income to assets | 0.7239% | 3,741 |
| Return on assets (ROA) | 0.7239% | 3,810 |
| Pretax return on assets | 0.9436% | 3,784 |
| Return on Equity (ROE) | 8.4019% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.4019% | 1,031 |
| Net charge-offs to loans | 0.0784% | 1,840 |
| Credit loss provision to net charge-offs | 276.3158% | 1,017 |
| Earnings coverage of net charge-offs (x) | 16.8947% | 1,957 |
| Efficiency ratio | 76.7433% | 1,615 |
| Assets per employee ($millions) | 4.5929% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 4,460 |
| Loan loss allowance to noncurrent loans | 159.1887% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 2,379 |
| Noncurrent loans to loans | 0.5917% | 2,956 |
| Net loans and leases to total assets | 86.3434% | 246 |
| Net loans and leases to deposits | 96.0849% | 1,072 |
| Net loans and leases to core deposits | 103.6398% | 1,384 |
| Total domestic deposits to total assets | 89.8616% | 582 |
| Equity capital to assets | 8.7014% | 5,140 |
| Core capital (leverage) ratio | 9.6574% | 3,954 |
| Tier 1 risk-based capital ratio | 10.3216% | 5,533 |
| Total risk-based capital ratio | 11.2185% | 5,596 |
| Memoranda: | ||
| Average total assets | $227,650,670 | 2,701 |
| Average earning assets | $207,157,000 | 2,732 |
| Average equity | $19,614,670 | 3,198 |
| Average total loans | $193,836,670 | 2,223 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 523 |
| Cost of funding earning assets | 0.4002% | 2,995 |
| Net interest margin | 4.6065% | 438 |
| Noninterest income to average assets | 0.5634% | 2,585 |
| Noninterest expense to average assets | 3.7387% | 737 |
| Loan and lease loss provision to assets | 0.1605% | 1,121 |
| Net operating income to assets | 0.6971% | 3,724 |
| Return on assets (ROA) | 0.6971% | 3,761 |
| Pretax return on assets | 0.8504% | 3,940 |
| Return on Equity (ROE) | 8.1327% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.1327% | 1,403 |
| Net charge-offs to loans | 0.0763% | 1,570 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,663 |
| Efficiency ratio | 78.7162% | 1,529 |
| Assets per employee ($millions) | 4.0390% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 4,488 |
| Loan loss allowance to noncurrent loans | 389.6406% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 3,305 |
| Noncurrent loans to loans | 0.2466% | 4,220 |
| Net loans and leases to total assets | 83.9856% | 370 |
| Net loans and leases to deposits | 93.6936% | 1,142 |
| Net loans and leases to core deposits | 101.4668% | 1,406 |
| Total domestic deposits to total assets | 89.6385% | 835 |
| Equity capital to assets | 8.5890% | 5,171 |
| Core capital (leverage) ratio | 9.8147% | 3,740 |
| Tier 1 risk-based capital ratio | 10.6878% | 5,464 |
| Total risk-based capital ratio | 11.5957% | 5,539 |
| Memoranda: | ||
| Average total assets | $224,356,500 | 2,755 |
| Average earning assets | $203,888,000 | 2,789 |
| Average equity | $19,231,000 | 3,262 |
| Average total loans | $188,668,500 | 2,286 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 460 |
| Cost of funding earning assets | 0.3197% | 3,848 |
| Net interest margin | 4.8242% | 332 |
| Noninterest income to average assets | 0.5157% | 3,125 |
| Noninterest expense to average assets | 3.4520% | 1,250 |
| Loan and lease loss provision to assets | 0.0230% | 3,909 |
| Net operating income to assets | 1.1589% | 1,652 |
| Return on assets (ROA) | 1.1589% | 1,748 |
| Pretax return on assets | 1.4916% | 1,607 |
| Return on Equity (ROE) | 13.3508% | 921 |
| Retained earnings to average equity (ytd only) | 6.9907% | 1,231 |
| Net charge-offs to loans | 0.0755% | 2,621 |
| Credit loss provision to net charge-offs | 35.9712% | 3,537 |
| Earnings coverage of net charge-offs (x) | 23.6835% | 1,665 |
| Efficiency ratio | 69.5044% | 2,995 |
| Assets per employee ($millions) | 4.1209% | 3,748 |
| Cash dividends to net income (ytd only)* | 47.6380% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,502 |
| Loan loss allowance to noncurrent loans | 988.3978% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 3,863 |
| Noncurrent loans to loans | 0.0976% | 4,850 |
| Net loans and leases to total assets | 82.5704% | 533 |
| Net loans and leases to deposits | 92.2224% | 1,419 |
| Net loans and leases to core deposits | 99.3146% | 1,683 |
| Total domestic deposits to total assets | 89.5339% | 844 |
| Equity capital to assets | 8.5539% | 5,230 |
| Core capital (leverage) ratio | 9.6292% | 3,933 |
| Tier 1 risk-based capital ratio | 11.0082% | 5,343 |
| Total risk-based capital ratio | 11.9326% | 5,411 |
| Memoranda: | ||
| Average total assets | $217,354,400 | 2,784 |
| Average earning assets | $200,529,400 | 2,782 |
| Average equity | $18,867,800 | 3,286 |
| Average total loans | $184,131,200 | 2,273 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 456 |
| Cost of funding earning assets | 0.3095% | 3,981 |
| Net interest margin | 4.8470% | 331 |
| Noninterest income to average assets | 0.4801% | 3,377 |
| Noninterest expense to average assets | 3.3749% | 1,396 |
| Loan and lease loss provision to assets | 0.0309% | 3,616 |
| Net operating income to assets | 1.2188% | 1,576 |
| Return on assets (ROA) | 1.2188% | 1,670 |
| Pretax return on assets | 1.5582% | 1,505 |
| Return on Equity (ROE) | 13.9874% | 830 |
| Retained earnings to average equity (ytd only) | 9.0299% | 805 |
| Net charge-offs to loans | 0.0696% | 2,321 |
| Credit loss provision to net charge-offs | 52.0833% | 3,005 |
| Earnings coverage of net charge-offs (x) | 26.8223% | 1,584 |
| Efficiency ratio | 67.9886% | 3,229 |
| Assets per employee ($millions) | 4.2373% | 3,530 |
| Cash dividends to net income (ytd only)* | 35.4430% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 4,352 |
| Loan loss allowance to noncurrent loans | 6,317.2414% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 4,209 |
| Noncurrent loans to loans | 0.0160% | 5,329 |
| Net loans and leases to total assets | 81.6192% | 671 |
| Net loans and leases to deposits | 91.1787% | 1,612 |
| Net loans and leases to core deposits | 97.5007% | 1,862 |
| Total domestic deposits to total assets | 89.5157% | 663 |
| Equity capital to assets | 8.6194% | 5,457 |
| Core capital (leverage) ratio | 9.7303% | 3,902 |
| Tier 1 risk-based capital ratio | 11.1615% | 5,279 |
| Total risk-based capital ratio | 12.1233% | 5,349 |
| Memoranda: | ||
| Average total assets | $216,060,750 | 2,806 |
| Average earning assets | $199,869,750 | 2,808 |
| Average equity | $18,826,000 | 3,318 |
| Average total loans | $183,781,000 | 2,277 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 430 |
| Cost of funding earning assets | 0.3010% | 4,118 |
| Net interest margin | 4.8908% | 323 |
| Noninterest income to average assets | 0.4962% | 3,221 |
| Noninterest expense to average assets | 3.3129% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2908% | 1,294 |
| Return on assets (ROA) | 1.2908% | 1,406 |
| Pretax return on assets | 1.7301% | 1,025 |
| Return on Equity (ROE) | 14.5419% | 738 |
| Retained earnings to average equity (ytd only) | 7.1869% | 1,515 |
| Net charge-offs to loans | 0.0293% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 68.7037% | 789 |
| Efficiency ratio | 65.6926% | 3,727 |
| Assets per employee ($millions) | 4.0731% | 3,778 |
| Cash dividends to net income (ytd only)* | 50.5780% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 4,477 |
| Loan loss allowance to noncurrent loans | 4,627.5000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 4,245 |
| Noncurrent loans to loans | 0.0218% | 5,387 |
| Net loans and leases to total assets | 84.2669% | 399 |
| Net loans and leases to deposits | 93.9944% | 1,295 |
| Net loans and leases to core deposits | 100.7281% | 1,585 |
| Total domestic deposits to total assets | 89.6510% | 616 |
| Equity capital to assets | 8.9241% | 5,297 |
| Core capital (leverage) ratio | 9.4037% | 4,332 |
| Tier 1 risk-based capital ratio | 10.7453% | 5,557 |
| Total risk-based capital ratio | 11.7075% | 5,609 |
| Memoranda: | ||
| Average total assets | $214,433,330 | 2,837 |
| Average earning assets | $199,352,330 | 2,823 |
| Average equity | $19,034,670 | 3,296 |
| Average total loans | $184,484,330 | 2,272 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1906% | 424 |
| Cost of funding earning assets | 0.2839% | 4,343 |
| Net interest margin | 4.9067% | 309 |
| Noninterest income to average assets | 0.4979% | 3,131 |
| Noninterest expense to average assets | 3.3409% | 1,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2840% | 1,293 |
| Return on assets (ROA) | 1.2840% | 1,379 |
| Pretax return on assets | 1.7182% | 1,025 |
| Return on Equity (ROE) | 14.5036% | 746 |
| Retained earnings to average equity (ytd only) | 14.5036% | 282 |
| Net charge-offs to loans | -0.0281% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0377% | 3,798 |
| Assets per employee ($millions) | 4.4469% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 4,400 |
| Loan loss allowance to noncurrent loans | 931.5271% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 4,149 |
| Noncurrent loans to loans | 0.1114% | 5,027 |
| Net loans and leases to total assets | 82.7698% | 473 |
| Net loans and leases to deposits | 92.1395% | 1,333 |
| Net loans and leases to core deposits | 100.5497% | 1,444 |
| Total domestic deposits to total assets | 89.8310% | 662 |
| Equity capital to assets | 8.8409% | 5,306 |
| Core capital (leverage) ratio | 9.7154% | 3,890 |
| Tier 1 risk-based capital ratio | 10.9564% | 5,528 |
| Total risk-based capital ratio | 11.9586% | 5,566 |
| Memoranda: | ||
| Average total assets | $213,712,000 | 2,848 |
| Average earning assets | $198,665,500 | 2,835 |
| Average equity | $18,919,500 | 3,311 |
| Average total loans | $184,845,000 | 2,264 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 392 |
| Cost of funding earning assets | 0.2358% | 4,942 |
| Net interest margin | 5.0184% | 243 |
| Noninterest income to average assets | 1.0654% | 1,038 |
| Noninterest expense to average assets | 3.5863% | 1,153 |
| Loan and lease loss provision to assets | 0.0851% | 2,591 |
| Net operating income to assets | 1.6161% | 679 |
| Return on assets (ROA) | 1.6149% | 706 |
| Pretax return on assets | 1.9884% | 549 |
| Return on Equity (ROE) | 17.4983% | 414 |
| Retained earnings to average equity (ytd only) | -6.2121% | 5,964 |
| Net charge-offs to loans | -0.0011% | 4,842 |
| Credit loss provision to net charge-offs | -8,750.0000% | 5,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3482% | 4,389 |
| Assets per employee ($millions) | 4.5549% | 2,955 |
| Cash dividends to net income (ytd only)* | 135.5014% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,603 |
| Loan loss allowance to noncurrent loans | 1,738.8889% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 2,935 |
| Noncurrent loans to loans | 0.0576% | 5,288 |
| Net loans and leases to total assets | 88.5652% | 108 |
| Net loans and leases to deposits | 100.6301% | 637 |
| Net loans and leases to core deposits | 108.2616% | 953 |
| Total domestic deposits to total assets | 88.0106% | 1,620 |
| Equity capital to assets | 8.8652% | 5,256 |
| Core capital (leverage) ratio | 9.5937% | 4,053 |
| Tier 1 risk-based capital ratio | 10.4699% | 5,787 |
| Total risk-based capital ratio | 11.4537% | 5,823 |
| Memoranda: | ||
| Average total assets | $205,645,400 | 2,892 |
| Average earning assets | $188,328,400 | 2,908 |
| Average equity | $18,979,000 | 3,265 |
| Average total loans | $174,710,400 | 2,300 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 429 |
| Cost of funding earning assets | 0.2311% | 5,081 |
| Net interest margin | 4.9869% | 260 |
| Noninterest income to average assets | 1.2227% | 804 |
| Noninterest expense to average assets | 3.5490% | 1,205 |
| Loan and lease loss provision to assets | 0.0326% | 3,581 |
| Net operating income to assets | 1.8204% | 496 |
| Return on assets (ROA) | 1.8188% | 522 |
| Pretax return on assets | 2.1933% | 421 |
| Return on Equity (ROE) | 19.5103% | 303 |
| Retained earnings to average equity (ytd only) | 2.0405% | 4,856 |
| Net charge-offs to loans | -0.0078% | 4,913 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4344% | 4,652 |
| Assets per employee ($millions) | 4.2253% | 3,467 |
| Cash dividends to net income (ytd only)* | 89.5416% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 4,792 |
| Loan loss allowance to noncurrent loans | 2,229.1139% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 3,098 |
| Noncurrent loans to loans | 0.0445% | 5,442 |
| Net loans and leases to total assets | 84.9178% | 311 |
| Net loans and leases to deposits | 95.3179% | 1,069 |
| Net loans and leases to core deposits | 101.2958% | 1,427 |
| Total domestic deposits to total assets | 89.0890% | 983 |
| Equity capital to assets | 9.4209% | 4,855 |
| Core capital (leverage) ratio | 10.3598% | 3,189 |
| Tier 1 risk-based capital ratio | 11.6530% | 5,295 |
| Total risk-based capital ratio | 12.6093% | 5,364 |
| Memoranda: | ||
| Average total assets | $204,675,000 | 2,928 |
| Average earning assets | $186,911,750 | 2,944 |
| Average equity | $19,080,000 | 3,287 |
| Average total loans | $171,526,500 | 2,350 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 420 |
| Cost of funding earning assets | 0.2255% | 5,188 |
| Net interest margin | 4.9832% | 254 |
| Noninterest income to average assets | 1.5214% | 551 |
| Noninterest expense to average assets | 3.5598% | 1,197 |
| Loan and lease loss provision to assets | 0.0490% | 3,136 |
| Net operating income to assets | 2.0998% | 310 |
| Return on assets (ROA) | 2.0972% | 321 |
| Pretax return on assets | 2.4406% | 268 |
| Return on Equity (ROE) | 22.5785% | 176 |
| Retained earnings to average equity (ytd only) | -3.8229% | 5,966 |
| Net charge-offs to loans | -0.0106% | 4,936 |
| Credit loss provision to net charge-offs | -555.5556% | 5,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8169% | 5,134 |
| Assets per employee ($millions) | 4.1343% | 3,602 |
| Cash dividends to net income (ytd only)* | 116.9317% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,914 |
| Loan loss allowance to noncurrent loans | 170.8738% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 2,148 |
| Noncurrent loans to loans | 0.5796% | 3,718 |
| Net loans and leases to total assets | 85.1148% | 290 |
| Net loans and leases to deposits | 95.1625% | 1,034 |
| Net loans and leases to core deposits | 101.2546% | 1,382 |
| Total domestic deposits to total assets | 89.4415% | 928 |
| Equity capital to assets | 9.1169% | 5,129 |
| Core capital (leverage) ratio | 10.0274% | 3,556 |
| Tier 1 risk-based capital ratio | 11.3949% | 5,528 |
| Total risk-based capital ratio | 12.3590% | 5,584 |
| Memoranda: | ||
| Average total assets | $203,887,000 | 2,958 |
| Average earning assets | $185,383,330 | 2,987 |
| Average equity | $18,938,330 | 3,320 |
| Average total loans | $169,510,670 | 2,377 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 447 |
| Cost of funding earning assets | 0.2170% | 5,344 |
| Net interest margin | 4.9269% | 282 |
| Noninterest income to average assets | 0.6302% | 2,497 |
| Noninterest expense to average assets | 3.5541% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1498% | 1,703 |
| Return on assets (ROA) | 1.1498% | 1,808 |
| Pretax return on assets | 1.5172% | 1,505 |
| Return on Equity (ROE) | 12.2626% | 1,277 |
| Retained earnings to average equity (ytd only) | -8.8072% | 6,101 |
| Net charge-offs to loans | -0.0580% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0818% | 3,474 |
| Assets per employee ($millions) | 4.2908% | 3,390 |
| Cash dividends to net income (ytd only)* | 171.8213% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 5,049 |
| Loan loss allowance to noncurrent loans | 165.8654% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 2.6003% | 802 |
| Noncurrent loans to loans | 0.6008% | 3,774 |
| Net loans and leases to total assets | 84.9766% | 250 |
| Net loans and leases to deposits | 96.3922% | 805 |
| Net loans and leases to core deposits | 100.3091% | 1,301 |
| Total domestic deposits to total assets | 88.1572% | 1,729 |
| Equity capital to assets | 9.3184% | 4,940 |
| Core capital (leverage) ratio | 10.2859% | 3,233 |
| Tier 1 risk-based capital ratio | 11.3982% | 5,606 |
| Total risk-based capital ratio | 12.3458% | 5,676 |
| Memoranda: | ||
| Average total assets | $202,473,000 | 2,986 |
| Average earning assets | $182,508,000 | 3,037 |
| Average equity | $18,984,500 | 3,341 |
| Average total loans | $165,413,500 | 2,430 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 680 |
| Cost of funding earning assets | 0.2259% | 5,554 |
| Net interest margin | 4.8412% | 402 |
| Noninterest income to average assets | 0.6641% | 2,485 |
| Noninterest expense to average assets | 3.7053% | 1,139 |
| Loan and lease loss provision to assets | 0.1829% | 1,407 |
| Net operating income to assets | 0.9219% | 2,766 |
| Return on assets (ROA) | 0.9665% | 2,633 |
| Pretax return on assets | 1.2200% | 2,570 |
| Return on Equity (ROE) | 9.6190% | 2,289 |
| Retained earnings to average equity (ytd only) | 5.8260% | 2,041 |
| Net charge-offs to loans | 0.2815% | 1,539 |
| Credit loss provision to net charge-offs | 85.7143% | 2,746 |
| Earnings coverage of net charge-offs (x) | 6.3095% | 3,229 |
| Efficiency ratio | 73.3454% | 2,957 |
| Assets per employee ($millions) | 4.4191% | 3,163 |
| Cash dividends to net income (ytd only)* | 39.4322% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 4,646 |
| Loan loss allowance to noncurrent loans | 98.7232% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.9363% | 701 |
| Noncurrent loans to loans | 1.0924% | 2,643 |
| Net loans and leases to total assets | 76.7572% | 1,162 |
| Net loans and leases to deposits | 86.3754% | 1,928 |
| Net loans and leases to core deposits | 90.1341% | 2,265 |
| Total domestic deposits to total assets | 88.8646% | 1,312 |
| Equity capital to assets | 9.4338% | 4,804 |
| Core capital (leverage) ratio | 10.4205% | 3,040 |
| Tier 1 risk-based capital ratio | 12.7488% | 4,887 |
| Total risk-based capital ratio | 13.7735% | 4,939 |
| Memoranda: | ||
| Average total assets | $196,801,800 | 3,037 |
| Average earning assets | $178,363,600 | 3,065 |
| Average equity | $19,773,400 | 3,185 |
| Average total loans | $149,218,400 | 2,583 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0197% | 746 |
| Cost of funding earning assets | 0.2328% | 5,570 |
| Net interest margin | 4.7870% | 443 |
| Noninterest income to average assets | 0.5909% | 2,925 |
| Noninterest expense to average assets | 3.5774% | 1,332 |
| Loan and lease loss provision to assets | 0.2459% | 886 |
| Net operating income to assets | 0.8706% | 3,069 |
| Return on assets (ROA) | 0.9297% | 2,870 |
| Pretax return on assets | 1.1845% | 2,845 |
| Return on Equity (ROE) | 9.1084% | 2,620 |
| Retained earnings to average equity (ytd only) | 9.1084% | 951 |
| Net charge-offs to loans | 0.2139% | 1,756 |
| Credit loss provision to net charge-offs | 152.5424% | 1,561 |
| Earnings coverage of net charge-offs (x) | 8.4025% | 2,804 |
| Efficiency ratio | 72.5346% | 3,083 |
| Assets per employee ($millions) | 4.0612% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,029 |
| Loan loss allowance to noncurrent loans | 59.1280% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.8056% | 875 |
| Noncurrent loans to loans | 2.0959% | 1,492 |
| Net loans and leases to total assets | 75.4891% | 1,282 |
| Net loans and leases to deposits | 85.0845% | 2,020 |
| Net loans and leases to core deposits | 88.6092% | 2,366 |
| Total domestic deposits to total assets | 88.7224% | 1,387 |
| Equity capital to assets | 10.3851% | 3,696 |
| Core capital (leverage) ratio | 10.7395% | 2,774 |
| Tier 1 risk-based capital ratio | 13.2264% | 4,712 |
| Total risk-based capital ratio | 14.3929% | 4,704 |
| Memoranda: | ||
| Average total assets | $195,182,250 | 3,067 |
| Average earning assets | $177,003,500 | 3,105 |
| Average equity | $19,922,500 | 3,179 |
| Average total loans | $147,089,750 | 2,627 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 803 |
| Cost of funding earning assets | 0.2367% | 5,615 |
| Net interest margin | 4.7230% | 465 |
| Noninterest income to average assets | 0.5766% | 2,951 |
| Noninterest expense to average assets | 3.6006% | 1,296 |
| Loan and lease loss provision to assets | 0.3713% | 466 |
| Net operating income to assets | 0.7298% | 3,678 |
| Return on assets (ROA) | 0.7797% | 3,530 |
| Pretax return on assets | 0.9468% | 3,694 |
| Return on Equity (ROE) | 7.6850% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.6850% | 1,442 |
| Net charge-offs to loans | 0.5501% | 741 |
| Credit loss provision to net charge-offs | 90.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.0475% | 3,402 |
| Efficiency ratio | 74.1189% | 2,960 |
| Assets per employee ($millions) | 4.1783% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,541 |
| Loan loss allowance to noncurrent loans | 42.7897% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 3.2175% | 770 |
| Noncurrent loans to loans | 2.7452% | 1,096 |
| Net loans and leases to total assets | 72.1932% | 1,708 |
| Net loans and leases to deposits | 80.9810% | 2,387 |
| Net loans and leases to core deposits | 84.2871% | 2,710 |
| Total domestic deposits to total assets | 89.1483% | 1,280 |
| Equity capital to assets | 10.0205% | 4,079 |
| Core capital (leverage) ratio | 10.6216% | 2,801 |
| Tier 1 risk-based capital ratio | 13.3668% | 4,672 |
| Total risk-based capital ratio | 14.4745% | 4,704 |
| Memoranda: | ||
| Average total assets | $193,910,670 | 3,104 |
| Average earning assets | $175,776,670 | 3,133 |
| Average equity | $19,674,670 | 3,207 |
| Average total loans | $145,417,670 | 2,646 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0078% | 703 |
| Cost of funding earning assets | 0.2554% | 5,535 |
| Net interest margin | 4.7525% | 418 |
| Noninterest income to average assets | 0.5919% | 2,782 |
| Noninterest expense to average assets | 3.6624% | 1,190 |
| Loan and lease loss provision to assets | 0.3148% | 593 |
| Net operating income to assets | 0.7392% | 3,490 |
| Return on assets (ROA) | 0.8038% | 3,215 |
| Pretax return on assets | 0.9906% | 3,359 |
| Return on Equity (ROE) | 7.8711% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.8711% | 1,646 |
| Net charge-offs to loans | 1.0934% | 305 |
| Credit loss provision to net charge-offs | 37.8788% | 2,317 |
| Earnings coverage of net charge-offs (x) | 1.4747% | 3,092 |
| Efficiency ratio | 74.9249% | 2,983 |
| Assets per employee ($millions) | 4.1496% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 5,387 |
| Loan loss allowance to noncurrent loans | 43.4970% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 3.1884% | 851 |
| Noncurrent loans to loans | 2.3757% | 1,478 |
| Net loans and leases to total assets | 76.0128% | 1,000 |
| Net loans and leases to deposits | 85.4555% | 1,669 |
| Net loans and leases to core deposits | 88.0510% | 2,087 |
| Total domestic deposits to total assets | 88.9502% | 1,693 |
| Equity capital to assets | 10.3080% | 3,460 |
| Core capital (leverage) ratio | 10.7128% | 2,688 |
| Tier 1 risk-based capital ratio | 13.2419% | 4,869 |
| Total risk-based capital ratio | 14.2255% | 4,950 |
| Memoranda: | ||
| Average total assets | $190,586,500 | 3,161 |
| Average earning assets | $172,290,000 | 3,190 |
| Average equity | $19,463,500 | 3,228 |
| Average total loans | $144,871,000 | 2,665 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 2,025 |
| Cost of funding earning assets | 0.3465% | 5,178 |
| Net interest margin | 4.2062% | 1,334 |
| Noninterest income to average assets | 0.6220% | 2,963 |
| Noninterest expense to average assets | 3.0861% | 2,775 |
| Loan and lease loss provision to assets | 0.2406% | 1,501 |
| Net operating income to assets | 0.9120% | 2,718 |
| Return on assets (ROA) | 0.9391% | 2,687 |
| Pretax return on assets | 1.1533% | 2,760 |
| Return on Equity (ROE) | 9.5685% | 2,296 |
| Retained earnings to average equity (ytd only) | 5.6978% | 2,160 |
| Net charge-offs to loans | 0.2407% | 2,531 |
| Credit loss provision to net charge-offs | 145.2599% | 1,603 |
| Earnings coverage of net charge-offs (x) | 8.2141% | 2,706 |
| Efficiency ratio | 69.4043% | 3,937 |
| Assets per employee ($millions) | 4.3248% | 3,226 |
| Cash dividends to net income (ytd only)* | 40.4531% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 4,496 |
| Loan loss allowance to noncurrent loans | 50.1709% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 3.3407% | 902 |
| Noncurrent loans to loans | 2.4523% | 1,555 |
| Net loans and leases to total assets | 74.2921% | 1,300 |
| Net loans and leases to deposits | 83.2967% | 2,024 |
| Net loans and leases to core deposits | 86.2482% | 2,416 |
| Total domestic deposits to total assets | 89.1898% | 1,495 |
| Equity capital to assets | 10.1166% | 3,610 |
| Core capital (leverage) ratio | 10.3056% | 3,145 |
| Tier 1 risk-based capital ratio | 13.1853% | 4,861 |
| Total risk-based capital ratio | 14.3455% | 4,866 |
| Memoranda: | ||
| Average total assets | $197,433,400 | 3,061 |
| Average earning assets | $179,519,400 | 3,075 |
| Average equity | $19,376,000 | 3,235 |
| Average total loans | $135,839,600 | 2,762 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,494 |
| Cost of funding earning assets | 0.3606% | 5,188 |
| Net interest margin | 4.0699% | 1,727 |
| Noninterest income to average assets | 0.6070% | 3,104 |
| Noninterest expense to average assets | 2.9354% | 3,188 |
| Loan and lease loss provision to assets | 0.1673% | 2,168 |
| Net operating income to assets | 0.9557% | 2,557 |
| Return on assets (ROA) | 0.9858% | 2,536 |
| Pretax return on assets | 1.2435% | 2,534 |
| Return on Equity (ROE) | 10.1197% | 2,134 |
| Retained earnings to average equity (ytd only) | 10.1197% | 762 |
| Net charge-offs to loans | 0.1303% | 3,230 |
| Credit loss provision to net charge-offs | 190.8397% | 1,265 |
| Earnings coverage of net charge-offs (x) | 15.6567% | 1,849 |
| Efficiency ratio | 68.1373% | 4,072 |
| Assets per employee ($millions) | 4.4024% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 4,852 |
| Loan loss allowance to noncurrent loans | 44.4216% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 3.1625% | 1,142 |
| Noncurrent loans to loans | 2.7060% | 1,561 |
| Net loans and leases to total assets | 73.4904% | 1,370 |
| Net loans and leases to deposits | 82.4263% | 2,086 |
| Net loans and leases to core deposits | 84.8691% | 2,556 |
| Total domestic deposits to total assets | 89.1589% | 1,473 |
| Equity capital to assets | 10.3992% | 3,391 |
| Core capital (leverage) ratio | 10.4352% | 3,081 |
| Tier 1 risk-based capital ratio | 13.4576% | 4,786 |
| Total risk-based capital ratio | 14.6012% | 4,804 |
| Memoranda: | ||
| Average total assets | $199,218,750 | 3,066 |
| Average earning assets | $181,164,500 | 3,085 |
| Average equity | $19,407,250 | 3,257 |
| Average total loans | $134,016,250 | 2,806 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 3,084 |
| Cost of funding earning assets | 0.3794% | 5,145 |
| Net interest margin | 3.8884% | 2,248 |
| Noninterest income to average assets | 0.5770% | 3,338 |
| Noninterest expense to average assets | 2.9037% | 3,318 |
| Loan and lease loss provision to assets | 0.0497% | 3,988 |
| Net operating income to assets | 0.9335% | 2,651 |
| Return on assets (ROA) | 0.9788% | 2,569 |
| Pretax return on assets | 1.2176% | 2,596 |
| Return on Equity (ROE) | 10.2705% | 2,097 |
| Retained earnings to average equity (ytd only) | 10.2705% | 790 |
| Net charge-offs to loans | 0.0551% | 3,909 |
| Credit loss provision to net charge-offs | 138.8889% | 1,632 |
| Earnings coverage of net charge-offs (x) | 33.8056% | 1,049 |
| Efficiency ratio | 70.5754% | 3,718 |
| Assets per employee ($millions) | 4.4644% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 5,012 |
| Loan loss allowance to noncurrent loans | 42.4029% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.9074% | 1,405 |
| Noncurrent loans to loans | 2.8225% | 1,602 |
| Net loans and leases to total assets | 68.3774% | 2,173 |
| Net loans and leases to deposits | 76.1751% | 2,849 |
| Net loans and leases to core deposits | 78.3137% | 3,249 |
| Total domestic deposits to total assets | 89.7634% | 1,168 |
| Equity capital to assets | 9.9113% | 4,033 |
| Core capital (leverage) ratio | 10.1135% | 3,346 |
| Tier 1 risk-based capital ratio | 13.8956% | 4,493 |
| Total risk-based capital ratio | 15.0321% | 4,548 |
| Memoranda: | ||
| Average total assets | $201,056,000 | 3,060 |
| Average earning assets | $182,901,670 | 3,081 |
| Average equity | $19,161,670 | 3,306 |
| Average total loans | $130,659,000 | 2,866 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 3,759 |
| Cost of funding earning assets | 0.4025% | 5,077 |
| Net interest margin | 3.6900% | 2,892 |
| Noninterest income to average assets | 0.6727% | 2,741 |
| Noninterest expense to average assets | 2.9011% | 3,338 |
| Loan and lease loss provision to assets | 0.0983% | 3,043 |
| Net operating income to assets | 0.8227% | 3,037 |
| Return on assets (ROA) | 0.9146% | 2,734 |
| Pretax return on assets | 1.1211% | 2,877 |
| Return on Equity (ROE) | 9.7854% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.7854% | 1,161 |
| Net charge-offs to loans | 0.1031% | 2,834 |
| Credit loss provision to net charge-offs | 151.5152% | 1,351 |
| Earnings coverage of net charge-offs (x) | 17.0606% | 1,337 |
| Efficiency ratio | 72.3749% | 3,549 |
| Assets per employee ($millions) | 4.9710% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 4,889 |
| Loan loss allowance to noncurrent loans | 54.2249% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 2.9330% | 1,537 |
| Noncurrent loans to loans | 2.3254% | 2,252 |
| Net loans and leases to total assets | 64.1900% | 2,669 |
| Net loans and leases to deposits | 71.2967% | 3,283 |
| Net loans and leases to core deposits | 73.3376% | 3,660 |
| Total domestic deposits to total assets | 90.0322% | 1,027 |
| Equity capital to assets | 9.6590% | 4,629 |
| Core capital (leverage) ratio | 9.6903% | 3,808 |
| Tier 1 risk-based capital ratio | 13.8328% | 4,628 |
| Total risk-based capital ratio | 14.9967% | 4,656 |
| Memoranda: | ||
| Average total assets | $203,368,000 | 3,065 |
| Average earning assets | $183,848,000 | 3,099 |
| Average equity | $19,008,000 | 3,377 |
| Average total loans | $128,017,500 | 2,928 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 3,471 |
| Cost of funding earning assets | 0.5223% | 5,050 |
| Net interest margin | 3.9611% | 2,563 |
| Noninterest income to average assets | 0.6526% | 2,977 |
| Noninterest expense to average assets | 3.1418% | 2,803 |
| Loan and lease loss provision to assets | 0.0685% | 4,893 |
| Net operating income to assets | 0.7666% | 3,435 |
| Return on assets (ROA) | 0.7666% | 3,683 |
| Pretax return on assets | 1.0782% | 3,237 |
| Return on Equity (ROE) | 8.4855% | 2,871 |
| Retained earnings to average equity (ytd only) | 1.7166% | 5,005 |
| Net charge-offs to loans | 0.2322% | 3,545 |
| Credit loss provision to net charge-offs | 45.0161% | 4,816 |
| Earnings coverage of net charge-offs (x) | 7.5370% | 2,577 |
| Efficiency ratio | 73.2603% | 3,197 |
| Assets per employee ($millions) | 5.1974% | 1,988 |
| Cash dividends to net income (ytd only)* | 79.7703% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 4,766 |
| Loan loss allowance to noncurrent loans | 49.6613% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 3.6533% | 1,216 |
| Noncurrent loans to loans | 2.5621% | 2,059 |
| Net loans and leases to total assets | 60.2015% | 3,569 |
| Net loans and leases to deposits | 66.3588% | 4,234 |
| Net loans and leases to core deposits | 68.4792% | 4,485 |
| Total domestic deposits to total assets | 90.7213% | 603 |
| Equity capital to assets | 9.0478% | 5,470 |
| Core capital (leverage) ratio | 9.0632% | 4,801 |
| Tier 1 risk-based capital ratio | 13.6753% | 4,624 |
| Total risk-based capital ratio | 14.8419% | 4,629 |
| Memoranda: | ||
| Average total assets | $204,407,800 | 2,992 |
| Average earning assets | $187,626,600 | 2,989 |
| Average equity | $18,466,800 | 3,411 |
| Average total loans | $133,913,600 | 2,810 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 3,331 |
| Cost of funding earning assets | 0.5382% | 5,179 |
| Net interest margin | 4.0323% | 2,375 |
| Noninterest income to average assets | 0.6459% | 3,014 |
| Noninterest expense to average assets | 3.0493% | 3,061 |
| Loan and lease loss provision to assets | 0.0917% | 4,449 |
| Net operating income to assets | 0.8719% | 3,120 |
| Return on assets (ROA) | 0.8719% | 3,365 |
| Pretax return on assets | 1.2250% | 2,891 |
| Return on Equity (ROE) | 9.6546% | 2,521 |
| Retained earnings to average equity (ytd only) | 0.5876% | 5,918 |
| Net charge-offs to loans | 0.2830% | 3,028 |
| Credit loss provision to net charge-offs | 48.6111% | 4,432 |
| Earnings coverage of net charge-offs (x) | 6.9792% | 2,686 |
| Efficiency ratio | 69.8425% | 3,719 |
| Assets per employee ($millions) | 5.2488% | 1,881 |
| Cash dividends to net income (ytd only)* | 93.9148% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,850 |
| Loan loss allowance to noncurrent loans | 38.8691% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.4332% | 1,466 |
| Noncurrent loans to loans | 3.3221% | 1,654 |
| Net loans and leases to total assets | 59.5669% | 3,863 |
| Net loans and leases to deposits | 65.5908% | 4,521 |
| Net loans and leases to core deposits | 68.7093% | 4,648 |
| Total domestic deposits to total assets | 90.8160% | 462 |
| Equity capital to assets | 8.8263% | 5,996 |
| Core capital (leverage) ratio | 9.1675% | 4,808 |
| Tier 1 risk-based capital ratio | 14.0996% | 4,458 |
| Total risk-based capital ratio | 15.3336% | 4,429 |
| Memoranda: | ||
| Average total assets | $203,536,000 | 3,032 |
| Average earning assets | $187,779,750 | 3,020 |
| Average equity | $18,381,000 | 3,456 |
| Average total loans | $135,699,750 | 2,813 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 2,868 |
| Cost of funding earning assets | 0.5622% | 5,213 |
| Net interest margin | 4.1490% | 1,909 |
| Noninterest income to average assets | 0.6375% | 3,018 |
| Noninterest expense to average assets | 3.1162% | 2,873 |
| Loan and lease loss provision to assets | 0.1390% | 3,780 |
| Net operating income to assets | 0.7935% | 3,420 |
| Return on assets (ROA) | 0.7935% | 3,673 |
| Pretax return on assets | 1.2076% | 2,888 |
| Return on Equity (ROE) | 8.7175% | 2,929 |
| Retained earnings to average equity (ytd only) | 0.5346% | 5,853 |
| Net charge-offs to loans | 0.3345% | 2,685 |
| Credit loss provision to net charge-offs | 60.3448% | 3,787 |
| Earnings coverage of net charge-offs (x) | 5.8448% | 2,744 |
| Efficiency ratio | 69.8264% | 3,796 |
| Assets per employee ($millions) | 5.0526% | 2,105 |
| Cash dividends to net income (ytd only)* | 93.8673% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 5,298 |
| Loan loss allowance to noncurrent loans | 31.2870% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 4.2360% | 1,181 |
| Noncurrent loans to loans | 3.8760% | 1,437 |
| Net loans and leases to total assets | 68.2002% | 2,259 |
| Net loans and leases to deposits | 75.3455% | 3,073 |
| Net loans and leases to core deposits | 79.2746% | 3,329 |
| Total domestic deposits to total assets | 90.5167% | 651 |
| Equity capital to assets | 9.1276% | 5,553 |
| Core capital (leverage) ratio | 9.1139% | 4,743 |
| Tier 1 risk-based capital ratio | 12.8474% | 5,304 |
| Total risk-based capital ratio | 14.0122% | 5,341 |
| Memoranda: | ||
| Average total assets | $201,397,330 | 3,066 |
| Average earning assets | $185,683,000 | 3,047 |
| Average equity | $18,331,000 | 3,451 |
| Average total loans | $138,700,330 | 2,778 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 2,911 |
| Cost of funding earning assets | 0.5930% | 5,184 |
| Net interest margin | 4.1423% | 1,960 |
| Noninterest income to average assets | 0.5591% | 3,505 |
| Noninterest expense to average assets | 3.3047% | 2,270 |
| Loan and lease loss provision to assets | 0.0995% | 4,097 |
| Net operating income to assets | 0.6407% | 4,166 |
| Return on assets (ROA) | 0.6407% | 4,374 |
| Pretax return on assets | 0.9769% | 3,763 |
| Return on Equity (ROE) | 7.0487% | 3,759 |
| Retained earnings to average equity (ytd only) | 1.5761% | 5,448 |
| Net charge-offs to loans | 0.3876% | 2,142 |
| Credit loss provision to net charge-offs | 37.3134% | 3,491 |
| Earnings coverage of net charge-offs (x) | 4.0373% | 2,686 |
| Efficiency ratio | 75.4314% | 2,861 |
| Assets per employee ($millions) | 5.1102% | 2,111 |
| Cash dividends to net income (ytd only)* | 77.6398% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 5,354 |
| Loan loss allowance to noncurrent loans | 48.9914% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.2547% | 1,774 |
| Noncurrent loans to loans | 2.5156% | 2,592 |
| Net loans and leases to total assets | 66.6492% | 2,359 |
| Net loans and leases to deposits | 73.6611% | 3,170 |
| Net loans and leases to core deposits | 77.7418% | 3,363 |
| Total domestic deposits to total assets | 90.4808% | 814 |
| Equity capital to assets | 9.0255% | 5,450 |
| Core capital (leverage) ratio | 9.4291% | 4,154 |
| Tier 1 risk-based capital ratio | 13.0196% | 5,206 |
| Total risk-based capital ratio | 14.2042% | 5,221 |
| Memoranda: | ||
| Average total assets | $201,045,000 | 3,093 |
| Average earning assets | $185,500,500 | 3,074 |
| Average equity | $18,273,000 | 3,456 |
| Average total loans | $138,287,500 | 2,806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 1,958 |
| Cost of funding earning assets | 0.8412% | 4,535 |
| Net interest margin | 4.3849% | 1,430 |
| Noninterest income to average assets | 0.5718% | 3,351 |
| Noninterest expense to average assets | 3.3367% | 2,398 |
| Loan and lease loss provision to assets | 0.1918% | 4,267 |
| Net operating income to assets | 0.6991% | 3,493 |
| Return on assets (ROA) | 0.6991% | 3,680 |
| Pretax return on assets | 1.0689% | 2,960 |
| Return on Equity (ROE) | 7.6324% | 3,090 |
| Retained earnings to average equity (ytd only) | 3.4449% | 3,772 |
| Net charge-offs to loans | 0.3569% | 3,620 |
| Credit loss provision to net charge-offs | 72.2543% | 4,767 |
| Earnings coverage of net charge-offs (x) | 4.7495% | 2,989 |
| Efficiency ratio | 72.5776% | 3,470 |
| Assets per employee ($millions) | 3.9536% | 3,964 |
| Cash dividends to net income (ytd only)* | 54.8647% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 4,983 |
| Loan loss allowance to noncurrent loans | 54.2909% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 3.3347% | 1,779 |
| Noncurrent loans to loans | 2.3702% | 2,764 |
| Net loans and leases to total assets | 69.2297% | 2,174 |
| Net loans and leases to deposits | 76.5780% | 3,073 |
| Net loans and leases to core deposits | 82.5043% | 3,106 |
| Total domestic deposits to total assets | 90.4042% | 759 |
| Equity capital to assets | 9.1546% | 5,349 |
| Core capital (leverage) ratio | 9.2010% | 4,466 |
| Tier 1 risk-based capital ratio | 12.9412% | 5,119 |
| Total risk-based capital ratio | 14.1816% | 5,109 |
| Memoranda: | ||
| Average total assets | $195,525,400 | 3,107 |
| Average earning assets | $179,502,800 | 3,095 |
| Average equity | $17,910,600 | 3,439 |
| Average total loans | $145,421,000 | 2,708 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 1,857 |
| Cost of funding earning assets | 0.8898% | 4,474 |
| Net interest margin | 4.4100% | 1,377 |
| Noninterest income to average assets | 0.5388% | 3,590 |
| Noninterest expense to average assets | 3.3608% | 2,308 |
| Loan and lease loss provision to assets | 0.1710% | 4,329 |
| Net operating income to assets | 0.6906% | 3,672 |
| Return on assets (ROA) | 0.6906% | 3,840 |
| Pretax return on assets | 1.0537% | 3,192 |
| Return on Equity (ROE) | 7.5382% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.8064% | 4,023 |
| Net charge-offs to loans | 0.2728% | 3,732 |
| Credit loss provision to net charge-offs | 83.0565% | 4,034 |
| Earnings coverage of net charge-offs (x) | 5.9502% | 2,663 |
| Efficiency ratio | 73.2926% | 3,316 |
| Assets per employee ($millions) | 3.9545% | 3,943 |
| Cash dividends to net income (ytd only)* | 49.5051% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,834 |
| Loan loss allowance to noncurrent loans | 268.9112% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 1.8986% | 3,271 |
| Noncurrent loans to loans | 0.4973% | 5,849 |
| Net loans and leases to total assets | 70.0365% | 2,075 |
| Net loans and leases to deposits | 77.6779% | 3,053 |
| Net loans and leases to core deposits | 83.2083% | 3,162 |
| Total domestic deposits to total assets | 90.1627% | 781 |
| Equity capital to assets | 9.1702% | 5,556 |
| Core capital (leverage) ratio | 9.2588% | 4,532 |
| Tier 1 risk-based capital ratio | 12.4806% | 5,500 |
| Total risk-based capital ratio | 13.7294% | 5,498 |
| Memoranda: | ||
| Average total assets | $194,986,500 | 3,132 |
| Average earning assets | $178,922,000 | 3,127 |
| Average equity | $17,864,000 | 3,444 |
| Average total loans | $147,116,750 | 2,700 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3282% | 1,790 |
| Cost of funding earning assets | 0.9270% | 4,481 |
| Net interest margin | 4.4012% | 1,363 |
| Noninterest income to average assets | 0.4699% | 4,109 |
| Noninterest expense to average assets | 3.2854% | 2,616 |
| Loan and lease loss provision to assets | 0.2061% | 3,860 |
| Net operating income to assets | 0.6647% | 3,717 |
| Return on assets (ROA) | 0.6647% | 3,842 |
| Pretax return on assets | 1.0151% | 3,188 |
| Return on Equity (ROE) | 7.2575% | 3,317 |
| Retained earnings to average equity (ytd only) | 1.6315% | 5,179 |
| Net charge-offs to loans | 0.3133% | 3,306 |
| Credit loss provision to net charge-offs | 85.4701% | 3,603 |
| Earnings coverage of net charge-offs (x) | 5.0641% | 2,699 |
| Efficiency ratio | 72.9019% | 3,560 |
| Assets per employee ($millions) | 3.8905% | 4,011 |
| Cash dividends to net income (ytd only)* | 77.5194% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,923 |
| Loan loss allowance to noncurrent loans | 203.8751% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 2.3221% | 2,833 |
| Noncurrent loans to loans | 0.6527% | 5,617 |
| Net loans and leases to total assets | 72.1997% | 1,751 |
| Net loans and leases to deposits | 80.0758% | 2,777 |
| Net loans and leases to core deposits | 86.2372% | 2,870 |
| Total domestic deposits to total assets | 90.1641% | 888 |
| Equity capital to assets | 9.1511% | 5,359 |
| Core capital (leverage) ratio | 9.2367% | 4,342 |
| Tier 1 risk-based capital ratio | 12.1914% | 5,620 |
| Total risk-based capital ratio | 13.4417% | 5,605 |
| Memoranda: | ||
| Average total assets | $194,073,000 | 3,169 |
| Average earning assets | $177,997,670 | 3,160 |
| Average equity | $17,774,670 | 3,455 |
| Average total loans | $149,369,670 | 2,692 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 1,496 |
| Cost of funding earning assets | 0.9594% | 4,500 |
| Net interest margin | 4.4624% | 1,147 |
| Noninterest income to average assets | 0.3921% | 4,771 |
| Noninterest expense to average assets | 3.3758% | 2,345 |
| Loan and lease loss provision to assets | 0.2063% | 3,576 |
| Net operating income to assets | 0.6129% | 3,972 |
| Return on assets (ROA) | 0.6129% | 4,038 |
| Pretax return on assets | 0.9368% | 3,377 |
| Return on Equity (ROE) | 6.6886% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.6886% | 2,284 |
| Net charge-offs to loans | 0.0131% | 4,899 |
| Credit loss provision to net charge-offs | 2,000.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 110.8000% | 296 |
| Efficiency ratio | 74.7032% | 3,392 |
| Assets per employee ($millions) | 3.8933% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,895 |
| Loan loss allowance to noncurrent loans | 72.1984% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.7846% | 3,598 |
| Noncurrent loans to loans | 1.8724% | 3,729 |
| Net loans and leases to total assets | 75.8341% | 1,050 |
| Net loans and leases to deposits | 83.9595% | 2,041 |
| Net loans and leases to core deposits | 90.5328% | 2,294 |
| Total domestic deposits to total assets | 90.3222% | 952 |
| Equity capital to assets | 9.2067% | 4,861 |
| Core capital (leverage) ratio | 9.3241% | 4,089 |
| Tier 1 risk-based capital ratio | 12.3892% | 5,360 |
| Total risk-based capital ratio | 13.6345% | 5,352 |
| Memoranda: | ||
| Average total assets | $193,848,000 | 3,190 |
| Average earning assets | $179,275,000 | 3,156 |
| Average equity | $17,761,500 | 3,437 |
| Average total loans | $152,885,000 | 2,666 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9396% | 962 |
| Cost of funding earning assets | 1.1691% | 4,740 |
| Net interest margin | 4.7705% | 701 |
| Noninterest income to average assets | 0.4364% | 4,622 |
| Noninterest expense to average assets | 4.8107% | 490 |
| Loan and lease loss provision to assets | 0.2733% | 4,617 |
| Net operating income to assets | -0.1652% | 6,069 |
| Return on assets (ROA) | -0.1652% | 6,124 |
| Pretax return on assets | -0.2457% | 6,121 |
| Return on Equity (ROE) | -1.7329% | 6,142 |
| Retained earnings to average equity (ytd only) | -1.7329% | 5,923 |
| Net charge-offs to loans | 0.3991% | 4,043 |
| Credit loss provision to net charge-offs | 81.1321% | 5,519 |
| Earnings coverage of net charge-offs (x) | 0.0818% | 6,040 |
| Efficiency ratio | 99.4308% | 798 |
| Assets per employee ($millions) | 3.8607% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 5,344 |
| Loan loss allowance to noncurrent loans | 86.1483% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 3,934 |
| Noncurrent loans to loans | 1.4335% | 4,338 |
| Net loans and leases to total assets | 79.8817% | 676 |
| Net loans and leases to deposits | 89.2344% | 1,618 |
| Net loans and leases to core deposits | 94.8601% | 2,151 |
| Total domestic deposits to total assets | 89.5189% | 1,374 |
| Equity capital to assets | 9.1181% | 4,968 |
| Core capital (leverage) ratio | 9.1375% | 4,287 |
| Tier 1 risk-based capital ratio | 11.7531% | 5,690 |
| Total risk-based capital ratio | 13.0032% | 5,692 |
| Memoranda: | ||
| Average total assets | $188,829,800 | 3,243 |
| Average earning assets | $174,237,200 | 3,202 |
| Average equity | $18,004,400 | 3,423 |
| Average total loans | $159,338,800 | 2,625 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0272% | 886 |
| Cost of funding earning assets | 1.2034% | 4,852 |
| Net interest margin | 4.8238% | 642 |
| Noninterest income to average assets | 0.4054% | 4,915 |
| Noninterest expense to average assets | 5.1492% | 335 |
| Loan and lease loss provision to assets | 0.2599% | 4,508 |
| Net operating income to assets | -0.3728% | 6,492 |
| Return on assets (ROA) | -0.3728% | 6,537 |
| Pretax return on assets | -0.5581% | 6,592 |
| Return on Equity (ROE) | -3.8662% | 6,560 |
| Retained earnings to average equity (ytd only) | -3.8662% | 6,445 |
| Net charge-offs to loans | 0.5320% | 3,174 |
| Credit loss provision to net charge-offs | 57.2770% | 5,759 |
| Earnings coverage of net charge-offs (x) | -0.6573% | 6,376 |
| Efficiency ratio | 106.1475% | 600 |
| Assets per employee ($millions) | 3.9876% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,874 |
| Loan loss allowance to noncurrent loans | 67.9036% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.9866% | 3,484 |
| Noncurrent loans to loans | 1.6432% | 4,181 |
| Net loans and leases to total assets | 78.8982% | 900 |
| Net loans and leases to deposits | 87.7458% | 2,043 |
| Net loans and leases to core deposits | 93.2538% | 2,627 |
| Total domestic deposits to total assets | 89.9168% | 922 |
| Equity capital to assets | 8.7441% | 5,950 |
| Core capital (leverage) ratio | 9.2116% | 4,349 |
| Tier 1 risk-based capital ratio | 11.4739% | 5,961 |
| Total risk-based capital ratio | 12.6452% | 6,011 |
| Memoranda: | ||
| Average total assets | $187,779,000 | 3,306 |
| Average earning assets | $173,054,250 | 3,267 |
| Average equity | $18,105,250 | 3,455 |
| Average total loans | $160,142,000 | 2,657 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1609% | 671 |
| Cost of funding earning assets | 1.2478% | 4,845 |
| Net interest margin | 4.9131% | 522 |
| Noninterest income to average assets | 0.3458% | 5,380 |
| Noninterest expense to average assets | 3.4875% | 2,059 |
| Loan and lease loss provision to assets | 0.2349% | 4,566 |
| Net operating income to assets | 0.7525% | 3,187 |
| Return on assets (ROA) | 0.7525% | 3,341 |
| Pretax return on assets | 1.1364% | 2,649 |
| Return on Equity (ROE) | 7.5509% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.5509% | 1,622 |
| Net charge-offs to loans | 0.5707% | 2,829 |
| Credit loss provision to net charge-offs | 47.1616% | 5,479 |
| Earnings coverage of net charge-offs (x) | 2.7533% | 3,614 |
| Efficiency ratio | 71.7771% | 3,855 |
| Assets per employee ($millions) | 3.7011% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 5,745 |
| Loan loss allowance to noncurrent loans | 93.0928% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.3733% | 3,039 |
| Noncurrent loans to loans | 1.2244% | 4,922 |
| Net loans and leases to total assets | 84.6446% | 308 |
| Net loans and leases to deposits | 94.6568% | 1,192 |
| Net loans and leases to core deposits | 101.3110% | 1,888 |
| Total domestic deposits to total assets | 89.4227% | 1,216 |
| Equity capital to assets | 10.0786% | 3,911 |
| Core capital (leverage) ratio | 10.1111% | 3,048 |
| Tier 1 risk-based capital ratio | 12.1451% | 5,176 |
| Total risk-based capital ratio | 13.3241% | 5,215 |
| Memoranda: | ||
| Average total assets | $183,911,670 | 3,389 |
| Average earning assets | $168,936,000 | 3,357 |
| Average equity | $18,329,000 | 3,411 |
| Average total loans | $160,495,000 | 2,688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 859 |
| Cost of funding earning assets | 1.2705% | 5,000 |
| Net interest margin | 4.7895% | 658 |
| Noninterest income to average assets | 0.5367% | 3,762 |
| Noninterest expense to average assets | 3.3010% | 2,529 |
| Loan and lease loss provision to assets | 0.2422% | 4,112 |
| Net operating income to assets | 0.9076% | 2,516 |
| Return on assets (ROA) | 0.9076% | 2,583 |
| Pretax return on assets | 1.3854% | 1,816 |
| Return on Equity (ROE) | 9.1590% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.1590% | 1,356 |
| Net charge-offs to loans | 1.0352% | 1,593 |
| Credit loss provision to net charge-offs | 26.5550% | 4,867 |
| Earnings coverage of net charge-offs (x) | 1.7847% | 3,665 |
| Efficiency ratio | 66.9765% | 4,924 |
| Assets per employee ($millions) | 3.6556% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 6,029 |
| Loan loss allowance to noncurrent loans | 72.0911% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 3.6481% | 1,919 |
| Noncurrent loans to loans | 1.5184% | 4,469 |
| Net loans and leases to total assets | 86.0636% | 211 |
| Net loans and leases to deposits | 96.2582% | 1,076 |
| Net loans and leases to core deposits | 103.0866% | 1,816 |
| Total domestic deposits to total assets | 89.4091% | 1,291 |
| Equity capital to assets | 10.0514% | 3,798 |
| Core capital (leverage) ratio | 10.0815% | 3,063 |
| Tier 1 risk-based capital ratio | 11.9012% | 5,301 |
| Total risk-based capital ratio | 13.0316% | 5,356 |
| Memoranda: | ||
| Average total assets | $183,339,500 | 3,454 |
| Average earning assets | $168,119,000 | 3,431 |
| Average equity | $18,168,000 | 3,454 |
| Average total loans | $161,519,500 | 2,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3119% | 1,005 |
| Cost of funding earning assets | 1.6564% | 4,754 |
| Net interest margin | 4.6554% | 894 |
| Noninterest income to average assets | 0.5875% | 3,737 |
| Noninterest expense to average assets | 3.5295% | 2,314 |
| Loan and lease loss provision to assets | 0.8073% | 2,713 |
| Net operating income to assets | 0.3535% | 4,309 |
| Return on assets (ROA) | 0.3835% | 4,293 |
| Pretax return on assets | 0.5901% | 3,926 |
| Return on Equity (ROE) | 4.1766% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.1766% | 2,295 |
| Net charge-offs to loans | 0.6642% | 3,191 |
| Credit loss provision to net charge-offs | 137.9310% | 3,560 |
| Earnings coverage of net charge-offs (x) | 2.3085% | 3,995 |
| Efficiency ratio | 72.3147% | 4,215 |
| Assets per employee ($millions) | 3.6780% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,062 |
| Loan loss allowance to noncurrent loans | 59.0883% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 3.2001% | 2,148 |
| Noncurrent loans to loans | 2.1135% | 3,498 |
| Net loans and leases to total assets | 88.0608% | 170 |
| Net loans and leases to deposits | 98.2270% | 1,079 |
| Net loans and leases to core deposits | 137.2084% | 905 |
| Total domestic deposits to total assets | 89.6503% | 1,132 |
| Equity capital to assets | 9.7684% | 4,043 |
| Core capital (leverage) ratio | 9.6368% | 3,542 |
| Tier 1 risk-based capital ratio | 11.4019% | 5,506 |
| Total risk-based capital ratio | 12.6527% | 5,468 |
| Memoranda: | ||
| Average total assets | $188,270,600 | 3,307 |
| Average earning assets | $173,625,200 | 3,297 |
| Average equity | $17,286,800 | 3,618 |
| Average total loans | $165,921,800 | 2,676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3890% | 945 |
| Cost of funding earning assets | 1.7312% | 4,738 |
| Net interest margin | 4.6578% | 896 |
| Noninterest income to average assets | 0.7062% | 2,977 |
| Noninterest expense to average assets | 3.3959% | 2,589 |
| Loan and lease loss provision to assets | 0.9646% | 1,992 |
| Net operating income to assets | 0.4178% | 4,326 |
| Return on assets (ROA) | 0.4577% | 4,277 |
| Pretax return on assets | 0.7034% | 3,844 |
| Return on Equity (ROE) | 5.0629% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.0629% | 2,450 |
| Net charge-offs to loans | 0.7171% | 2,556 |
| Credit loss provision to net charge-offs | 153.0726% | 3,121 |
| Earnings coverage of net charge-offs (x) | 2.5497% | 3,952 |
| Efficiency ratio | 67.8818% | 5,005 |
| Assets per employee ($millions) | 3.6566% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,551 |
| Loan loss allowance to noncurrent loans | 54.0693% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 3.7958% | 1,709 |
| Noncurrent loans to loans | 2.3900% | 3,155 |
| Net loans and leases to total assets | 87.9857% | 205 |
| Net loans and leases to deposits | 101.3189% | 986 |
| Net loans and leases to core deposits | 139.4337% | 940 |
| Total domestic deposits to total assets | 86.8404% | 2,263 |
| Equity capital to assets | 9.6236% | 4,591 |
| Core capital (leverage) ratio | 9.7319% | 3,600 |
| Tier 1 risk-based capital ratio | 11.4066% | 5,525 |
| Total risk-based capital ratio | 12.6490% | 5,483 |
| Memoranda: | ||
| Average total assets | $189,363,500 | 3,320 |
| Average earning assets | $174,671,000 | 3,314 |
| Average equity | $17,117,500 | 3,676 |
| Average total loans | $166,404,500 | 2,693 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4005% | 1,012 |
| Cost of funding earning assets | 1.8232% | 4,649 |
| Net interest margin | 4.5773% | 1,001 |
| Noninterest income to average assets | 0.7622% | 2,640 |
| Noninterest expense to average assets | 3.1022% | 3,690 |
| Loan and lease loss provision to assets | 1.4305% | 1,219 |
| Net operating income to assets | 0.2970% | 4,910 |
| Return on assets (ROA) | 0.3561% | 4,772 |
| Pretax return on assets | 0.5513% | 4,466 |
| Return on Equity (ROE) | 4.0216% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.0216% | 3,048 |
| Net charge-offs to loans | 0.3581% | 3,390 |
| Credit loss provision to net charge-offs | 456.6667% | 1,015 |
| Earnings coverage of net charge-offs (x) | 6.0367% | 2,698 |
| Efficiency ratio | 62.1288% | 6,229 |
| Assets per employee ($millions) | 3.6746% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 2,535 |
| Loan loss allowance to noncurrent loans | 68.8424% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 3.5857% | 1,728 |
| Noncurrent loans to loans | 2.3932% | 3,016 |
| Net loans and leases to total assets | 87.7281% | 253 |
| Net loans and leases to deposits | 97.7091% | 1,565 |
| Net loans and leases to core deposits | 135.6035% | 1,235 |
| Total domestic deposits to total assets | 89.7849% | 918 |
| Equity capital to assets | 9.4047% | 4,744 |
| Core capital (leverage) ratio | 9.1332% | 4,411 |
| Tier 1 risk-based capital ratio | 10.9386% | 5,938 |
| Total risk-based capital ratio | 12.1939% | 5,877 |
| Memoranda: | ||
| Average total assets | $191,540,670 | 3,324 |
| Average earning assets | $177,048,330 | 3,300 |
| Average equity | $16,958,330 | 3,720 |
| Average total loans | $167,548,670 | 2,711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0965% | 1,959 |
| Cost of funding earning assets | 1.9441% | 4,403 |
| Net interest margin | 4.1524% | 2,084 |
| Noninterest income to average assets | 0.7102% | 2,824 |
| Noninterest expense to average assets | 2.8673% | 4,273 |
| Loan and lease loss provision to assets | 2.8836% | 382 |
| Net operating income to assets | -0.7838% | 7,116 |
| Return on assets (ROA) | -0.7838% | 7,150 |
| Pretax return on assets | -1.1809% | 7,247 |
| Return on Equity (ROE) | -9.1201% | 7,308 |
| Retained earnings to average equity (ytd only) | -9.1201% | 7,026 |
| Net charge-offs to loans | 0.4487% | 2,326 |
| Credit loss provision to net charge-offs | 741.5789% | 821 |
| Earnings coverage of net charge-offs (x) | 4.3789% | 2,900 |
| Efficiency ratio | 62.7407% | 5,919 |
| Assets per employee ($millions) | 3.9120% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 2,322 |
| Loan loss allowance to noncurrent loans | 46.0184% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 3.4494% | 1,567 |
| Noncurrent loans to loans | 3.5778% | 1,764 |
| Net loans and leases to total assets | 87.0106% | 338 |
| Net loans and leases to deposits | 98.6454% | 1,580 |
| Net loans and leases to core deposits | 135.4636% | 1,337 |
| Total domestic deposits to total assets | 88.2054% | 1,645 |
| Equity capital to assets | 8.4868% | 6,092 |
| Core capital (leverage) ratio | 8.6834% | 5,179 |
| Tier 1 risk-based capital ratio | 10.3125% | 6,582 |
| Total risk-based capital ratio | 11.5629% | 6,507 |
| Memoranda: | ||
| Average total assets | $195,447,000 | 3,292 |
| Average earning assets | $181,677,500 | 3,258 |
| Average equity | $16,798,000 | 3,771 |
| Average total loans | $169,382,500 | 2,708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6873% | 2,073 |
| Cost of funding earning assets | 2.6634% | 3,345 |
| Net interest margin | 4.0239% | 3,009 |
| Noninterest income to average assets | 0.7673% | 2,684 |
| Noninterest expense to average assets | 3.0759% | 3,802 |
| Loan and lease loss provision to assets | 0.2895% | 4,066 |
| Net operating income to assets | 0.7047% | 3,874 |
| Return on assets (ROA) | 0.7047% | 3,708 |
| Pretax return on assets | 1.1132% | 2,982 |
| Return on Equity (ROE) | 8.2139% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.2139% | 778 |
| Net charge-offs to loans | 0.1135% | 5,130 |
| Credit loss provision to net charge-offs | 323.6994% | 1,391 |
| Earnings coverage of net charge-offs (x) | 15.6821% | 1,916 |
| Efficiency ratio | 68.6793% | 4,597 |
| Assets per employee ($millions) | 4.0687% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,183 |
| Loan loss allowance to noncurrent loans | 43.2820% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 2.1798% | 2,246 |
| Noncurrent loans to loans | 2.2724% | 2,428 |
| Net loans and leases to total assets | 84.0237% | 884 |
| Net loans and leases to deposits | 92.8833% | 2,976 |
| Net loans and leases to core deposits | 128.5004% | 1,963 |
| Total domestic deposits to total assets | 90.4617% | 509 |
| Equity capital to assets | 8.7027% | 5,808 |
| Core capital (leverage) ratio | 9.0012% | 4,740 |
| Tier 1 risk-based capital ratio | 10.6303% | 6,067 |
| Total risk-based capital ratio | 11.6382% | 6,201 |
| Memoranda: | ||
| Average total assets | $193,404,600 | 3,217 |
| Average earning assets | $178,383,600 | 3,204 |
| Average equity | $16,593,800 | 3,811 |
| Average total loans | $152,473,400 | 2,879 |