Home > First National Bank of South Carolina > Performance and Condition Ratios
First National Bank of South Carolina, 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 | 4.1663% | 3,690 |
| Cost of funding earning assets | 0.2626% | 4,403 |
| Net interest margin | 3.9037% | 1,366 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.6738% | 1,810 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3265% | 1,376 |
| Return on assets (ROA) | 1.3265% | 1,344 |
| Pretax return on assets | 1.7401% | 986 |
| Return on Equity (ROE) | 17.9900% | 817 |
| Retained earnings to average equity (ytd only) | 15.0616% | 323 |
| Net charge-offs to loans | 0.0204% | 1,933 |
| Credit loss provision to net charge-offs | 200.0000% | 1,224 |
| Earnings coverage of net charge-offs (x) | 203.9583% | 581 |
| Efficiency ratio | 60.3162% | 3,043 |
| Assets per employee ($millions) | 5.0694% | 3,585 |
| Cash dividends to net income (ytd only)* | 16.2558% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,199 |
| Loan loss allowance to noncurrent loans | 326.0323% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 1,588 |
| Noncurrent loans to loans | 0.4450% | 1,666 |
| Net loans and leases to total assets | 45.0600% | 3,858 |
| Net loans and leases to deposits | 49.4821% | 3,962 |
| Net loans and leases to core deposits | 50.2934% | 4,076 |
| Total domestic deposits to total assets | 91.0600% | 491 |
| Equity capital to assets | 8.5802% | 2,992 |
| Core capital (leverage) ratio | 11.5734% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7560% | 432 |
| Memoranda: | ||
| Average total assets | $278,257,200 | 2,536 |
| Average earning assets | $263,492,800 | 2,502 |
| Average equity | $20,522,400 | 2,814 |
| Average total loans | $117,697,600 | 2,979 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,695 |
| Cost of funding earning assets | 0.2147% | 4,434 |
| Net interest margin | 3.8633% | 1,472 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.6305% | 1,851 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3047% | 1,540 |
| Return on assets (ROA) | 1.3047% | 1,522 |
| Pretax return on assets | 1.7338% | 1,108 |
| Return on Equity (ROE) | 18.4300% | 886 |
| Retained earnings to average equity (ytd only) | 16.4059% | 434 |
| Net charge-offs to loans | 0.0276% | 1,521 |
| Credit loss provision to net charge-offs | 162.5000% | 1,263 |
| Earnings coverage of net charge-offs (x) | 153.2083% | 714 |
| Efficiency ratio | 59.9848% | 2,964 |
| Assets per employee ($millions) | 5.2059% | 3,423 |
| Cash dividends to net income (ytd only)* | 10.9729% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,156 |
| Loan loss allowance to noncurrent loans | 312.2625% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 1,655 |
| Noncurrent loans to loans | 0.4748% | 1,635 |
| Net loans and leases to total assets | 42.7300% | 3,961 |
| Net loans and leases to deposits | 46.2485% | 4,045 |
| Net loans and leases to core deposits | 46.8892% | 4,112 |
| Total domestic deposits to total assets | 92.4000% | 387 |
| Equity capital to assets | 7.2026% | 3,513 |
| Core capital (leverage) ratio | 11.0384% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8607% | 441 |
| Memoranda: | ||
| Average total assets | $279,385,000 | 2,531 |
| Average earning assets | $264,536,750 | 2,494 |
| Average equity | $19,781,000 | 2,869 |
| Average total loans | $115,832,750 | 3,002 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,686 |
| Cost of funding earning assets | 0.1765% | 4,451 |
| Net interest margin | 3.8259% | 1,571 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.5876% | 1,958 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2906% | 1,593 |
| Return on assets (ROA) | 1.2906% | 1,577 |
| Pretax return on assets | 1.7138% | 1,181 |
| Return on Equity (ROE) | 18.3500% | 914 |
| Retained earnings to average equity (ytd only) | 16.3058% | 439 |
| Net charge-offs to loans | -0.0018% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9767% | 2,959 |
| Assets per employee ($millions) | 5.5874% | 3,069 |
| Cash dividends to net income (ytd only)* | 11.1173% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,052 |
| Loan loss allowance to noncurrent loans | 596.3696% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 1,970 |
| Noncurrent loans to loans | 0.2591% | 2,232 |
| Net loans and leases to total assets | 41.2200% | 3,995 |
| Net loans and leases to deposits | 44.5750% | 4,079 |
| Net loans and leases to core deposits | 45.1003% | 4,143 |
| Total domestic deposits to total assets | 92.4700% | 328 |
| Equity capital to assets | 7.1891% | 3,695 |
| Core capital (leverage) ratio | 10.7907% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9634% | 313 |
| Memoranda: | ||
| Average total assets | $278,794,667 | 2,534 |
| Average earning assets | $263,991,000 | 2,506 |
| Average equity | $19,612,667 | 2,896 |
| Average total loans | $113,797,333 | 3,020 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 3,880 |
| Cost of funding earning assets | 0.1410% | 4,475 |
| Net interest margin | 3.6467% | 2,017 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.5680% | 2,055 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1806% | 1,991 |
| Return on assets (ROA) | 1.1806% | 1,951 |
| Pretax return on assets | 1.5640% | 1,545 |
| Return on Equity (ROE) | 16.9700% | 1,180 |
| Retained earnings to average equity (ytd only) | 14.9043% | 811 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.9543% | 2,707 |
| Assets per employee ($millions) | 5.7132% | 3,016 |
| Cash dividends to net income (ytd only)* | 12.1655% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,035 |
| Loan loss allowance to noncurrent loans | 636.7491% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 1,921 |
| Noncurrent loans to loans | 0.2492% | 2,257 |
| Net loans and leases to total assets | 39.9200% | 4,045 |
| Net loans and leases to deposits | 43.1371% | 4,124 |
| Net loans and leases to core deposits | 43.6828% | 4,183 |
| Total domestic deposits to total assets | 92.5500% | 388 |
| Equity capital to assets | 7.2000% | 3,730 |
| Core capital (leverage) ratio | 10.6251% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9650% | 314 |
| Memoranda: | ||
| Average total assets | $278,508,000 | 2,565 |
| Average earning assets | $263,800,000 | 2,540 |
| Average equity | $19,377,000 | 2,944 |
| Average total loans | $112,219,000 | 3,074 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0725% | 4,040 |
| Cost of funding earning assets | 0.1247% | 4,255 |
| Net interest margin | 2.9478% | 3,575 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.6290% | 1,739 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6832% | 3,663 |
| Return on assets (ROA) | 0.6832% | 3,615 |
| Pretax return on assets | 0.8968% | 3,363 |
| Return on Equity (ROE) | 9.1300% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.2008% | 2,144 |
| Net charge-offs to loans | 0.0088% | 2,064 |
| Credit loss provision to net charge-offs | 233.3333% | 1,030 |
| Earnings coverage of net charge-offs (x) | 278.5556% | 516 |
| Efficiency ratio | 74.4053% | 1,172 |
| Assets per employee ($millions) | 4.6961% | 3,897 |
| Cash dividends to net income (ytd only)* | 21.1193% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,129 |
| Loan loss allowance to noncurrent loans | 483.4286% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 1,833 |
| Noncurrent loans to loans | 0.3157% | 2,017 |
| Net loans and leases to total assets | 39.4100% | 4,084 |
| Net loans and leases to deposits | 42.3423% | 4,165 |
| Net loans and leases to core deposits | 43.0660% | 4,205 |
| Total domestic deposits to total assets | 93.0600% | 391 |
| Equity capital to assets | 6.7124% | 3,806 |
| Core capital (leverage) ratio | 10.3250% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9249% | 305 |
| Memoranda: | ||
| Average total assets | $277,216,800 | 2,562 |
| Average earning assets | $263,011,600 | 2,533 |
| Average equity | $20,747,800 | 2,880 |
| Average total loans | $102,129,200 | 3,120 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7513% | 4,244 |
| Cost of funding earning assets | 0.1216% | 4,114 |
| Net interest margin | 2.6297% | 4,055 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.5358% | 1,902 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5410% | 3,989 |
| Return on assets (ROA) | 0.5410% | 3,929 |
| Pretax return on assets | 0.7161% | 3,766 |
| Return on Equity (ROE) | 7.0500% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.1678% | 3,041 |
| Net charge-offs to loans | 0.0093% | 1,780 |
| Credit loss provision to net charge-offs | 300.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 215.7143% | 597 |
| Efficiency ratio | 77.7385% | 937 |
| Assets per employee ($millions) | 4.8954% | 3,766 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,106 |
| Loan loss allowance to noncurrent loans | 469.2521% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 1,904 |
| Noncurrent loans to loans | 0.3364% | 2,023 |
| Net loans and leases to total assets | 37.2000% | 4,175 |
| Net loans and leases to deposits | 39.7779% | 4,243 |
| Net loans and leases to core deposits | 40.4420% | 4,268 |
| Total domestic deposits to total assets | 93.5100% | 455 |
| Equity capital to assets | 6.1776% | 3,891 |
| Core capital (leverage) ratio | 9.8731% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1219% | 308 |
| Memoranda: | ||
| Average total assets | $277,253,250 | 2,584 |
| Average earning assets | $263,238,750 | 2,551 |
| Average equity | $21,285,250 | 2,868 |
| Average total loans | $99,943,250 | 3,156 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5327% | 4,347 |
| Cost of funding earning assets | 0.1209% | 3,951 |
| Net interest margin | 2.4118% | 4,214 |
| Noninterest income to average assets | 0.8116% | 1,016 |
| Noninterest expense to average assets | 2.5161% | 1,878 |
| Loan and lease loss provision to assets | 0.0131% | 2,358 |
| Net operating income to assets | 0.4334% | 4,044 |
| Return on assets (ROA) | 0.4334% | 3,998 |
| Pretax return on assets | 0.5738% | 3,867 |
| Return on Equity (ROE) | 5.2899% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.5147% | 3,270 |
| Net charge-offs to loans | 0.0021% | 2,030 |
| Credit loss provision to net charge-offs | 1,800.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 807.0000% | 172 |
| Efficiency ratio | 81.0874% | 868 |
| Assets per employee ($millions) | 5.0472% | 3,636 |
| Cash dividends to net income (ytd only)* | 33.5570% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 917 |
| Loan loss allowance to noncurrent loans | 304.6679% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 1,642 |
| Noncurrent loans to loans | 0.5674% | 1,490 |
| Net loans and leases to total assets | 34.7540% | 4,299 |
| Net loans and leases to deposits | 37.5045% | 4,355 |
| Net loans and leases to core deposits | 38.2714% | 4,380 |
| Total domestic deposits to total assets | 92.6663% | 597 |
| Equity capital to assets | 7.0607% | 3,733 |
| Core capital (leverage) ratio | 9.8749% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8082% | 254 |
| Memoranda: | ||
| Average total assets | $275,027,333 | 2,615 |
| Average earning assets | $261,301,333 | 2,592 |
| Average equity | $22,533,667 | 2,854 |
| Average total loans | $97,487,333 | 3,220 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4211% | 4,353 |
| Cost of funding earning assets | 0.1183% | 3,916 |
| Net interest margin | 2.3028% | 4,233 |
| Noninterest income to average assets | 0.7701% | 1,117 |
| Noninterest expense to average assets | 2.4841% | 1,919 |
| Loan and lease loss provision to assets | 0.0132% | 2,108 |
| Net operating income to assets | 0.3492% | 4,058 |
| Return on assets (ROA) | 0.3492% | 4,022 |
| Pretax return on assets | 0.4632% | 3,927 |
| Return on Equity (ROE) | 3.9833% | 3,882 |
| Retained earnings to average equity (ytd only) | 2.3166% | 3,459 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9092% | 859 |
| Assets per employee ($millions) | 5.0371% | 3,720 |
| Cash dividends to net income (ytd only)* | 41.8410% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 1,019 |
| Loan loss allowance to noncurrent loans | 300.1776% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 1,416 |
| Noncurrent loans to loans | 0.5732% | 1,609 |
| Net loans and leases to total assets | 34.8436% | 4,268 |
| Net loans and leases to deposits | 37.9903% | 4,324 |
| Net loans and leases to core deposits | 38.7713% | 4,347 |
| Total domestic deposits to total assets | 91.7170% | 690 |
| Equity capital to assets | 8.0700% | 3,515 |
| Core capital (leverage) ratio | 9.9055% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5092% | 254 |
| Memoranda: | ||
| Average total assets | $273,744,000 | 2,639 |
| Average earning assets | $260,375,500 | 2,607 |
| Average equity | $24,000,500 | 2,838 |
| Average total loans | $97,145,000 | 3,230 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5511% | 4,445 |
| Cost of funding earning assets | 0.1215% | 4,207 |
| Net interest margin | 2.4296% | 4,283 |
| Noninterest income to average assets | 0.7575% | 1,574 |
| Noninterest expense to average assets | 2.5863% | 1,906 |
| Loan and lease loss provision to assets | 0.0089% | 2,902 |
| Net operating income to assets | 0.3612% | 4,328 |
| Return on assets (ROA) | 0.3612% | 4,358 |
| Pretax return on assets | 0.4713% | 4,294 |
| Return on Equity (ROE) | 3.5686% | 4,281 |
| Retained earnings to average equity (ytd only) | 0.3435% | 4,406 |
| Net charge-offs to loans | 0.0042% | 2,454 |
| Credit loss provision to net charge-offs | 575.0000% | 743 |
| Earnings coverage of net charge-offs (x) | 310.7500% | 394 |
| Efficiency ratio | 84.3411% | 553 |
| Assets per employee ($millions) | 5.0083% | 3,719 |
| Cash dividends to net income (ytd only)* | 90.3743% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 948 |
| Loan loss allowance to noncurrent loans | 292.3478% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 1,484 |
| Noncurrent loans to loans | 0.5985% | 1,636 |
| Net loans and leases to total assets | 34.9007% | 4,334 |
| Net loans and leases to deposits | 38.6531% | 4,378 |
| Net loans and leases to core deposits | 39.5299% | 4,404 |
| Total domestic deposits to total assets | 90.2921% | 818 |
| Equity capital to assets | 9.4820% | 3,164 |
| Core capital (leverage) ratio | 10.0101% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7367% | 245 |
| Memoranda: | ||
| Average total assets | $258,862,400 | 2,669 |
| Average earning assets | $246,010,200 | 2,643 |
| Average equity | $26,200,400 | 2,770 |
| Average total loans | $95,023,800 | 3,261 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5177% | 4,558 |
| Cost of funding earning assets | 0.1234% | 4,320 |
| Net interest margin | 2.3943% | 4,400 |
| Noninterest income to average assets | 0.7766% | 1,596 |
| Noninterest expense to average assets | 2.5998% | 1,837 |
| Loan and lease loss provision to assets | 0.0113% | 2,762 |
| Net operating income to assets | 0.3318% | 4,473 |
| Return on assets (ROA) | 0.3318% | 4,500 |
| Pretax return on assets | 0.4396% | 4,439 |
| Return on Equity (ROE) | 3.2245% | 4,428 |
| Retained earnings to average equity (ytd only) | -0.0405% | 4,566 |
| Net charge-offs to loans | 0.0127% | 1,860 |
| Credit loss provision to net charge-offs | 244.4444% | 1,113 |
| Earnings coverage of net charge-offs (x) | 96.2222% | 891 |
| Efficiency ratio | 85.2143% | 464 |
| Assets per employee ($millions) | 4.8719% | 3,821 |
| Cash dividends to net income (ytd only)* | 101.2559% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 875 |
| Loan loss allowance to noncurrent loans | 282.9392% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 1,668 |
| Noncurrent loans to loans | 0.6472% | 1,690 |
| Net loans and leases to total assets | 33.5128% | 4,486 |
| Net loans and leases to deposits | 37.3328% | 4,535 |
| Net loans and leases to core deposits | 38.1949% | 4,567 |
| Total domestic deposits to total assets | 89.7678% | 880 |
| Equity capital to assets | 9.8639% | 3,033 |
| Core capital (leverage) ratio | 10.0578% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2720% | 228 |
| Memoranda: | ||
| Average total assets | $255,965,500 | 2,708 |
| Average earning assets | $243,126,250 | 2,677 |
| Average equity | $26,339,500 | 2,795 |
| Average total loans | $94,762,250 | 3,309 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5119% | 4,607 |
| Cost of funding earning assets | 0.1263% | 4,382 |
| Net interest margin | 2.3856% | 4,436 |
| Noninterest income to average assets | 0.7731% | 1,605 |
| Noninterest expense to average assets | 2.6186% | 1,812 |
| Loan and lease loss provision to assets | 0.0143% | 2,669 |
| Net operating income to assets | 0.3056% | 4,516 |
| Return on assets (ROA) | 0.3056% | 4,540 |
| Pretax return on assets | 0.4048% | 4,497 |
| Return on Equity (ROE) | 2.9268% | 4,486 |
| Retained earnings to average equity (ytd only) | -1.2163% | 4,623 |
| Net charge-offs to loans | 0.0063% | 1,917 |
| Credit loss provision to net charge-offs | 600.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 534 |
| Efficiency ratio | 86.2033% | 466 |
| Assets per employee ($millions) | 4.5431% | 4,074 |
| Cash dividends to net income (ytd only)* | 141.5584% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 917 |
| Loan loss allowance to noncurrent loans | 282.7993% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 1,777 |
| Noncurrent loans to loans | 0.6291% | 1,837 |
| Net loans and leases to total assets | 35.7510% | 4,467 |
| Net loans and leases to deposits | 41.5679% | 4,473 |
| Net loans and leases to core deposits | 42.5084% | 4,506 |
| Total domestic deposits to total assets | 86.0062% | 2,739 |
| Equity capital to assets | 10.0704% | 2,792 |
| Core capital (leverage) ratio | 10.4013% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5958% | 281 |
| Memoranda: | ||
| Average total assets | $251,968,333 | 2,729 |
| Average earning assets | $239,183,667 | 2,695 |
| Average equity | $26,309,000 | 2,794 |
| Average total loans | $95,858,000 | 3,312 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4541% | 4,679 |
| Cost of funding earning assets | 0.1291% | 4,462 |
| Net interest margin | 2.3250% | 4,498 |
| Noninterest income to average assets | 0.8049% | 1,573 |
| Noninterest expense to average assets | 2.6433% | 1,760 |
| Loan and lease loss provision to assets | 0.0145% | 2,595 |
| Net operating income to assets | 0.2721% | 4,558 |
| Return on assets (ROA) | 0.2721% | 4,584 |
| Pretax return on assets | 0.3509% | 4,549 |
| Return on Equity (ROE) | 2.5582% | 4,544 |
| Retained earnings to average equity (ytd only) | 1.0445% | 4,205 |
| Net charge-offs to loans | 0.0041% | 1,768 |
| Credit loss provision to net charge-offs | 900.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 367 |
| Efficiency ratio | 87.8545% | 452 |
| Assets per employee ($millions) | 4.6631% | 3,969 |
| Cash dividends to net income (ytd only)* | 59.1716% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 939 |
| Loan loss allowance to noncurrent loans | 193.7355% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 1,642 |
| Noncurrent loans to loans | 0.9037% | 1,495 |
| Net loans and leases to total assets | 36.5395% | 4,480 |
| Net loans and leases to deposits | 42.9054% | 4,465 |
| Net loans and leases to core deposits | 43.8611% | 4,500 |
| Total domestic deposits to total assets | 85.1630% | 3,037 |
| Equity capital to assets | 10.1414% | 2,560 |
| Core capital (leverage) ratio | 10.9412% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5471% | 377 |
| Memoranda: | ||
| Average total assets | $248,473,500 | 2,734 |
| Average earning assets | $235,526,000 | 2,701 |
| Average equity | $26,424,500 | 2,773 |
| Average total loans | $96,658,500 | 3,312 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 4,508 |
| Cost of funding earning assets | 0.1489% | 4,730 |
| Net interest margin | 2.9969% | 3,890 |
| Noninterest income to average assets | 0.8426% | 1,408 |
| Noninterest expense to average assets | 3.0041% | 1,427 |
| Loan and lease loss provision to assets | 0.0163% | 4,173 |
| Net operating income to assets | 0.4799% | 4,073 |
| Return on assets (ROA) | 0.4803% | 4,156 |
| Pretax return on assets | 0.6334% | 4,008 |
| Return on Equity (ROE) | 4.0265% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.0265% | 2,806 |
| Net charge-offs to loans | 0.0559% | 1,979 |
| Credit loss provision to net charge-offs | 69.2308% | 3,050 |
| Earnings coverage of net charge-offs (x) | 27.6346% | 1,675 |
| Efficiency ratio | 82.2285% | 736 |
| Assets per employee ($millions) | 4.0758% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 1,042 |
| Loan loss allowance to noncurrent loans | 190.1602% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 1,689 |
| Noncurrent loans to loans | 0.8924% | 1,578 |
| Net loans and leases to total assets | 40.0338% | 4,437 |
| Net loans and leases to deposits | 47.5598% | 4,408 |
| Net loans and leases to core deposits | 48.3682% | 4,475 |
| Total domestic deposits to total assets | 84.1758% | 3,060 |
| Equity capital to assets | 11.1609% | 2,126 |
| Core capital (leverage) ratio | 11.5299% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1677% | 262 |
| Memoranda: | ||
| Average total assets | $221,328,200 | 2,785 |
| Average earning assets | $207,578,600 | 2,763 |
| Average equity | $26,400,000 | 2,719 |
| Average total loans | $92,957,200 | 3,358 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3071% | 4,462 |
| Cost of funding earning assets | 0.1553% | 4,791 |
| Net interest margin | 3.1517% | 3,616 |
| Noninterest income to average assets | 0.8479% | 1,356 |
| Noninterest expense to average assets | 3.0614% | 1,310 |
| Loan and lease loss provision to assets | 0.0222% | 4,050 |
| Net operating income to assets | 0.5383% | 3,930 |
| Return on assets (ROA) | 0.5388% | 4,025 |
| Pretax return on assets | 0.7130% | 3,874 |
| Return on Equity (ROE) | 4.4375% | 4,046 |
| Retained earnings to average equity (ytd only) | 4.4375% | 2,831 |
| Net charge-offs to loans | 0.0422% | 2,024 |
| Credit loss provision to net charge-offs | 124.1379% | 2,476 |
| Earnings coverage of net charge-offs (x) | 41.1379% | 1,338 |
| Efficiency ratio | 80.6488% | 829 |
| Assets per employee ($millions) | 3.7847% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 970 |
| Loan loss allowance to noncurrent loans | 170.8925% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 1,671 |
| Noncurrent loans to loans | 0.9704% | 1,541 |
| Net loans and leases to total assets | 43.2818% | 4,449 |
| Net loans and leases to deposits | 50.9471% | 4,454 |
| Net loans and leases to core deposits | 51.7798% | 4,534 |
| Total domestic deposits to total assets | 84.9543% | 2,454 |
| Equity capital to assets | 11.5657% | 1,950 |
| Core capital (leverage) ratio | 11.6814% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2948% | 269 |
| Memoranda: | ||
| Average total assets | $216,541,750 | 2,806 |
| Average earning assets | $202,550,500 | 2,787 |
| Average equity | $26,290,250 | 2,709 |
| Average total loans | $91,713,250 | 3,389 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 4,544 |
| Cost of funding earning assets | 0.1712% | 4,831 |
| Net interest margin | 3.2219% | 3,603 |
| Noninterest income to average assets | 0.8462% | 1,301 |
| Noninterest expense to average assets | 3.1034% | 1,348 |
| Loan and lease loss provision to assets | 0.0340% | 3,838 |
| Net operating income to assets | 0.5376% | 3,911 |
| Return on assets (ROA) | 0.5383% | 3,991 |
| Pretax return on assets | 0.7130% | 3,842 |
| Return on Equity (ROE) | 4.3589% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.3589% | 2,755 |
| Net charge-offs to loans | 0.0611% | 1,637 |
| Credit loss provision to net charge-offs | 133.3333% | 2,213 |
| Earnings coverage of net charge-offs (x) | 29.2593% | 1,457 |
| Efficiency ratio | 80.6183% | 847 |
| Assets per employee ($millions) | 3.5041% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 887 |
| Loan loss allowance to noncurrent loans | 151.1649% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 1,620 |
| Noncurrent loans to loans | 1.0999% | 1,425 |
| Net loans and leases to total assets | 43.8079% | 4,460 |
| Net loans and leases to deposits | 51.8569% | 4,454 |
| Net loans and leases to core deposits | 52.7197% | 4,537 |
| Total domestic deposits to total assets | 84.4784% | 2,565 |
| Equity capital to assets | 11.6206% | 1,896 |
| Core capital (leverage) ratio | 12.9696% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5409% | 295 |
| Memoranda: | ||
| Average total assets | $211,767,667 | 2,813 |
| Average earning assets | $197,400,000 | 2,806 |
| Average equity | $26,153,333 | 2,706 |
| Average total loans | $88,415,333 | 3,449 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 4,592 |
| Cost of funding earning assets | 0.2036% | 4,884 |
| Net interest margin | 3.3407% | 3,482 |
| Noninterest income to average assets | 0.9246% | 1,015 |
| Noninterest expense to average assets | 3.2782% | 1,263 |
| Loan and lease loss provision to assets | 0.0353% | 3,328 |
| Net operating income to assets | 0.5300% | 3,811 |
| Return on assets (ROA) | 0.5300% | 3,871 |
| Pretax return on assets | 0.7028% | 3,683 |
| Return on Equity (ROE) | 4.1545% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.1545% | 2,623 |
| Net charge-offs to loans | 0.1368% | 911 |
| Credit loss provision to net charge-offs | 64.2857% | 1,998 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 1,649 |
| Efficiency ratio | 81.6227% | 999 |
| Assets per employee ($millions) | 3.0897% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 491 |
| Loan loss allowance to noncurrent loans | 171.0769% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 1,751 |
| Noncurrent loans to loans | 1.1756% | 1,404 |
| Net loans and leases to total assets | 39.2570% | 4,692 |
| Net loans and leases to deposits | 47.7367% | 4,667 |
| Net loans and leases to core deposits | 48.4049% | 4,715 |
| Total domestic deposits to total assets | 82.2366% | 3,346 |
| Equity capital to assets | 12.6530% | 1,647 |
| Core capital (leverage) ratio | 12.9224% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3450% | 352 |
| Memoranda: | ||
| Average total assets | $203,768,000 | 2,837 |
| Average earning assets | $188,586,000 | 2,843 |
| Average equity | $25,996,000 | 2,709 |
| Average total loans | $81,889,500 | 3,550 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 4,529 |
| Cost of funding earning assets | 0.1990% | 4,969 |
| Net interest margin | 3.6304% | 3,034 |
| Noninterest income to average assets | 0.9435% | 1,084 |
| Noninterest expense to average assets | 3.2203% | 1,472 |
| Loan and lease loss provision to assets | 0.0317% | 3,380 |
| Net operating income to assets | 0.7677% | 3,651 |
| Return on assets (ROA) | 0.7677% | 3,731 |
| Pretax return on assets | 1.0090% | 3,442 |
| Return on Equity (ROE) | 6.0663% | 3,898 |
| Retained earnings to average equity (ytd only) | 1.6877% | 4,127 |
| Net charge-offs to loans | 0.0113% | 3,288 |
| Credit loss provision to net charge-offs | 700.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 229.5556% | 358 |
| Efficiency ratio | 75.5763% | 1,409 |
| Assets per employee ($millions) | 3.1332% | 4,743 |
| Cash dividends to net income (ytd only)* | 72.1785% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 407 |
| Loan loss allowance to noncurrent loans | 165.3202% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,581 |
| Noncurrent loans to loans | 1.2555% | 1,198 |
| Net loans and leases to total assets | 39.4797% | 4,749 |
| Net loans and leases to deposits | 47.4165% | 4,757 |
| Net loans and leases to core deposits | 48.0190% | 4,789 |
| Total domestic deposits to total assets | 83.2615% | 3,117 |
| Equity capital to assets | 12.8657% | 1,604 |
| Core capital (leverage) ratio | 12.8736% | 1,294 |
| Tier 1 risk-based capital ratio | 27.8904% | 567 |
| Total risk-based capital ratio | 29.1470% | 556 |
| Memoranda: | ||
| Average total assets | $198,521,800 | 2,851 |
| Average earning assets | $181,410,600 | 2,875 |
| Average equity | $25,122,400 | 2,711 |
| Average total loans | $79,654,600 | 3,609 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 4,580 |
| Cost of funding earning assets | 0.1916% | 5,050 |
| Net interest margin | 3.6764% | 3,004 |
| Noninterest income to average assets | 0.9958% | 944 |
| Noninterest expense to average assets | 3.2999% | 1,266 |
| Loan and lease loss provision to assets | 0.0424% | 3,050 |
| Net operating income to assets | 0.7723% | 3,766 |
| Return on assets (ROA) | 0.7723% | 3,836 |
| Pretax return on assets | 1.0120% | 3,553 |
| Return on Equity (ROE) | 6.1287% | 4,003 |
| Retained earnings to average equity (ytd only) | 1.3198% | 4,485 |
| Net charge-offs to loans | -0.0050% | 4,206 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7848% | 1,356 |
| Assets per employee ($millions) | 3.2465% | 4,708 |
| Cash dividends to net income (ytd only)* | 78.4653% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1363% | 369 |
| Loan loss allowance to noncurrent loans | 152.7552% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 1,381 |
| Noncurrent loans to loans | 1.3985% | 1,092 |
| Net loans and leases to total assets | 38.4847% | 4,863 |
| Net loans and leases to deposits | 46.3263% | 4,865 |
| Net loans and leases to core deposits | 46.8511% | 4,901 |
| Total domestic deposits to total assets | 83.0733% | 3,141 |
| Equity capital to assets | 12.7352% | 1,764 |
| Core capital (leverage) ratio | 12.7919% | 1,438 |
| Tier 1 risk-based capital ratio | 29.4224% | 502 |
| Total risk-based capital ratio | 30.6806% | 494 |
| Memoranda: | ||
| Average total assets | $198,020,750 | 2,880 |
| Average earning assets | $180,896,250 | 2,897 |
| Average equity | $24,953,250 | 2,737 |
| Average total loans | $79,357,000 | 3,649 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 4,645 |
| Cost of funding earning assets | 0.1811% | 5,113 |
| Net interest margin | 3.6651% | 3,048 |
| Noninterest income to average assets | 1.0227% | 839 |
| Noninterest expense to average assets | 3.2549% | 1,380 |
| Loan and lease loss provision to assets | 0.0640% | 2,535 |
| Net operating income to assets | 0.8074% | 3,625 |
| Return on assets (ROA) | 0.8074% | 3,683 |
| Pretax return on assets | 1.0542% | 3,371 |
| Return on Equity (ROE) | 6.4304% | 3,896 |
| Retained earnings to average equity (ytd only) | -0.8493% | 4,810 |
| Net charge-offs to loans | -0.0050% | 4,122 |
| Credit loss provision to net charge-offs | -3,150.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4310% | 1,592 |
| Assets per employee ($millions) | 3.3199% | 4,685 |
| Cash dividends to net income (ytd only)* | 113.2075% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1262% | 377 |
| Loan loss allowance to noncurrent loans | 158.2397% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 1,466 |
| Noncurrent loans to loans | 1.3437% | 1,157 |
| Net loans and leases to total assets | 38.4138% | 4,895 |
| Net loans and leases to deposits | 46.0955% | 4,896 |
| Net loans and leases to core deposits | 46.4472% | 4,945 |
| Total domestic deposits to total assets | 83.3354% | 3,096 |
| Equity capital to assets | 12.5118% | 1,850 |
| Core capital (leverage) ratio | 12.9188% | 1,343 |
| Tier 1 risk-based capital ratio | 29.0792% | 518 |
| Total risk-based capital ratio | 30.3377% | 510 |
| Memoranda: | ||
| Average total assets | $196,932,670 | 2,899 |
| Average earning assets | $180,022,670 | 2,918 |
| Average equity | $24,726,330 | 2,750 |
| Average total loans | $79,424,330 | 3,667 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,564 |
| Cost of funding earning assets | 0.1804% | 5,157 |
| Net interest margin | 3.7111% | 2,851 |
| Noninterest income to average assets | 0.8736% | 1,107 |
| Noninterest expense to average assets | 3.2450% | 1,396 |
| Loan and lease loss provision to assets | 0.0783% | 2,119 |
| Net operating income to assets | 0.7355% | 3,819 |
| Return on assets (ROA) | 0.7355% | 3,872 |
| Pretax return on assets | 0.9416% | 3,638 |
| Return on Equity (ROE) | 5.8475% | 4,066 |
| Retained earnings to average equity (ytd only) | -7.2562% | 5,013 |
| Net charge-offs to loans | 0.1864% | 747 |
| Credit loss provision to net charge-offs | 102.7027% | 1,548 |
| Earnings coverage of net charge-offs (x) | 13.3784% | 1,840 |
| Efficiency ratio | 76.0870% | 1,489 |
| Assets per employee ($millions) | 3.2091% | 4,826 |
| Cash dividends to net income (ytd only)* | 224.0896% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 477 |
| Loan loss allowance to noncurrent loans | 150.2773% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 1,206 |
| Noncurrent loans to loans | 1.3476% | 1,205 |
| Net loans and leases to total assets | 40.1859% | 4,881 |
| Net loans and leases to deposits | 47.1992% | 4,891 |
| Net loans and leases to core deposits | 47.5634% | 4,947 |
| Total domestic deposits to total assets | 85.1411% | 2,630 |
| Equity capital to assets | 12.4748% | 1,751 |
| Core capital (leverage) ratio | 13.0173% | 1,269 |
| Tier 1 risk-based capital ratio | 29.2759% | 500 |
| Total risk-based capital ratio | 30.5343% | 493 |
| Memoranda: | ||
| Average total assets | $194,142,500 | 2,957 |
| Average earning assets | $177,413,000 | 2,978 |
| Average equity | $24,420,500 | 2,768 |
| Average total loans | $79,395,000 | 3,708 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 4,448 |
| Cost of funding earning assets | 0.1845% | 5,062 |
| Net interest margin | 3.6331% | 3,271 |
| Noninterest income to average assets | 0.8252% | 1,386 |
| Noninterest expense to average assets | 3.0651% | 1,882 |
| Loan and lease loss provision to assets | 0.0380% | 3,447 |
| Net operating income to assets | 0.7948% | 3,826 |
| Return on assets (ROA) | 0.7948% | 3,830 |
| Pretax return on assets | 1.0536% | 3,433 |
| Return on Equity (ROE) | 6.6059% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.1303% | 3,287 |
| Net charge-offs to loans | 0.0112% | 3,305 |
| Credit loss provision to net charge-offs | 833.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 239.4444% | 390 |
| Efficiency ratio | 73.7387% | 1,660 |
| Assets per employee ($millions) | 3.1562% | 4,881 |
| Cash dividends to net income (ytd only)* | 37.4761% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 421 |
| Loan loss allowance to noncurrent loans | 133.4154% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 848 |
| Noncurrent loans to loans | 1.5516% | 962 |
| Net loans and leases to total assets | 39.9278% | 4,950 |
| Net loans and leases to deposits | 46.8409% | 4,965 |
| Net loans and leases to core deposits | 47.2954% | 5,000 |
| Total domestic deposits to total assets | 85.2413% | 2,534 |
| Equity capital to assets | 12.6843% | 1,488 |
| Core capital (leverage) ratio | 13.2673% | 1,153 |
| Tier 1 risk-based capital ratio | 29.9312% | 474 |
| Total risk-based capital ratio | 31.1895% | 469 |
| Memoranda: | ||
| Average total assets | $197,415,400 | 2,897 |
| Average earning assets | $181,027,800 | 2,910 |
| Average equity | $23,751,400 | 2,747 |
| Average total loans | $80,704,400 | 3,655 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 4,711 |
| Cost of funding earning assets | 0.1843% | 5,078 |
| Net interest margin | 3.4761% | 3,778 |
| Noninterest income to average assets | 0.8243% | 1,398 |
| Noninterest expense to average assets | 3.0568% | 1,869 |
| Loan and lease loss provision to assets | 0.0503% | 2,980 |
| Net operating income to assets | 0.6853% | 4,272 |
| Return on assets (ROA) | 0.6853% | 4,285 |
| Pretax return on assets | 0.9082% | 3,994 |
| Return on Equity (ROE) | 5.7721% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.8613% | 3,850 |
| Net charge-offs to loans | 0.0066% | 3,196 |
| Credit loss provision to net charge-offs | 1,875.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 357.2139% | 263 |
| Efficiency ratio | 76.1284% | 1,333 |
| Assets per employee ($millions) | 3.2488% | 4,835 |
| Cash dividends to net income (ytd only)* | 33.1051% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 465 |
| Loan loss allowance to noncurrent loans | 75.8845% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.9787% | 536 |
| Noncurrent loans to loans | 2.6687% | 461 |
| Net loans and leases to total assets | 40.4554% | 5,015 |
| Net loans and leases to deposits | 47.3079% | 5,029 |
| Net loans and leases to core deposits | 47.7684% | 5,072 |
| Total domestic deposits to total assets | 85.5150% | 2,390 |
| Equity capital to assets | 12.1677% | 1,790 |
| Core capital (leverage) ratio | 12.9152% | 1,317 |
| Tier 1 risk-based capital ratio | 28.6630% | 535 |
| Total risk-based capital ratio | 29.9212% | 527 |
| Memoranda: | ||
| Average total assets | $198,636,750 | 2,904 |
| Average earning assets | $182,343,250 | 2,919 |
| Average equity | $23,584,000 | 2,776 |
| Average total loans | $81,256,000 | 3,669 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,750 |
| Cost of funding earning assets | 0.1849% | 5,096 |
| Net interest margin | 3.4238% | 3,884 |
| Noninterest income to average assets | 0.8085% | 1,446 |
| Noninterest expense to average assets | 2.9929% | 2,055 |
| Loan and lease loss provision to assets | 0.0750% | 2,391 |
| Net operating income to assets | 0.6724% | 4,276 |
| Return on assets (ROA) | 0.6724% | 4,282 |
| Pretax return on assets | 0.8906% | 3,988 |
| Return on Equity (ROE) | 5.7096% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.6874% | 3,753 |
| Net charge-offs to loans | -0.0074% | 4,210 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6067% | 1,482 |
| Assets per employee ($millions) | 3.2068% | 4,924 |
| Cash dividends to net income (ytd only)* | 35.4167% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0785% | 455 |
| Loan loss allowance to noncurrent loans | 109.7185% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.6100% | 792 |
| Noncurrent loans to loans | 1.8944% | 817 |
| Net loans and leases to total assets | 38.7900% | 5,099 |
| Net loans and leases to deposits | 45.1363% | 5,117 |
| Net loans and leases to core deposits | 45.5643% | 5,165 |
| Total domestic deposits to total assets | 85.9397% | 2,312 |
| Equity capital to assets | 11.8453% | 1,960 |
| Core capital (leverage) ratio | 12.5313% | 1,422 |
| Tier 1 risk-based capital ratio | 28.1957% | 547 |
| Total risk-based capital ratio | 29.4537% | 543 |
| Memoranda: | ||
| Average total assets | $199,873,670 | 2,898 |
| Average earning assets | $183,886,670 | 2,924 |
| Average equity | $23,539,330 | 2,793 |
| Average total loans | $81,512,000 | 3,687 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 4,629 |
| Cost of funding earning assets | 0.1843% | 5,103 |
| Net interest margin | 3.4498% | 3,704 |
| Noninterest income to average assets | 0.8124% | 1,413 |
| Noninterest expense to average assets | 2.8623% | 2,488 |
| Loan and lease loss provision to assets | 0.0758% | 2,247 |
| Net operating income to assets | 0.7884% | 3,760 |
| Return on assets (ROA) | 0.7884% | 3,757 |
| Pretax return on assets | 1.0499% | 3,358 |
| Return on Equity (ROE) | 6.7138% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.0141% | 3,164 |
| Net charge-offs to loans | -0.0048% | 3,998 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7718% | 2,224 |
| Assets per employee ($millions) | 3.4113% | 4,778 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9262% | 634 |
| Loan loss allowance to noncurrent loans | 107.7546% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 774 |
| Noncurrent loans to loans | 1.7876% | 943 |
| Net loans and leases to total assets | 39.1006% | 5,102 |
| Net loans and leases to deposits | 45.3195% | 5,120 |
| Net loans and leases to core deposits | 45.8616% | 5,166 |
| Total domestic deposits to total assets | 86.2775% | 2,408 |
| Equity capital to assets | 11.2894% | 2,311 |
| Core capital (leverage) ratio | 12.5645% | 1,363 |
| Tier 1 risk-based capital ratio | 24.5973% | 786 |
| Total risk-based capital ratio | 25.8515% | 768 |
| Memoranda: | ||
| Average total assets | $200,399,500 | 2,928 |
| Average earning assets | $184,474,500 | 2,946 |
| Average equity | $23,533,500 | 2,818 |
| Average total loans | $82,888,000 | 3,692 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,125 |
| Cost of funding earning assets | 0.1865% | 5,054 |
| Net interest margin | 3.5897% | 3,209 |
| Noninterest income to average assets | 0.8384% | 1,442 |
| Noninterest expense to average assets | 3.1212% | 1,795 |
| Loan and lease loss provision to assets | 0.0393% | 3,482 |
| Net operating income to assets | 0.4970% | 4,385 |
| Return on assets (ROA) | 0.4970% | 4,417 |
| Pretax return on assets | 0.9579% | 3,706 |
| Return on Equity (ROE) | 4.0818% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.6512% | 3,065 |
| Net charge-offs to loans | 0.0121% | 3,658 |
| Credit loss provision to net charge-offs | 750.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 190.2000% | 414 |
| Efficiency ratio | 75.7861% | 1,654 |
| Assets per employee ($millions) | 3.0589% | 5,154 |
| Cash dividends to net income (ytd only)* | 10.5485% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 668 |
| Loan loss allowance to noncurrent loans | 103.1085% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.8255% | 670 |
| Noncurrent loans to loans | 1.8258% | 877 |
| Net loans and leases to total assets | 42.1644% | 5,059 |
| Net loans and leases to deposits | 49.1885% | 5,091 |
| Net loans and leases to core deposits | 49.9119% | 5,140 |
| Total domestic deposits to total assets | 85.7200% | 2,567 |
| Equity capital to assets | 12.2334% | 1,685 |
| Core capital (leverage) ratio | 12.7041% | 1,264 |
| Tier 1 risk-based capital ratio | 24.6707% | 755 |
| Total risk-based capital ratio | 25.9246% | 737 |
| Memoranda: | ||
| Average total assets | $190,729,000 | 3,009 |
| Average earning assets | $174,275,800 | 3,021 |
| Average equity | $23,225,000 | 2,835 |
| Average total loans | $82,632,200 | 3,686 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,253 |
| Cost of funding earning assets | 0.1860% | 5,088 |
| Net interest margin | 3.5395% | 3,354 |
| Noninterest income to average assets | 0.7429% | 1,817 |
| Noninterest expense to average assets | 3.1778% | 1,610 |
| Loan and lease loss provision to assets | 0.0526% | 3,047 |
| Net operating income to assets | 0.4822% | 4,782 |
| Return on assets (ROA) | 0.4822% | 4,822 |
| Pretax return on assets | 0.7408% | 4,512 |
| Return on Equity (ROE) | 3.9646% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.3884% | 3,911 |
| Net charge-offs to loans | -0.0242% | 4,917 |
| Credit loss provision to net charge-offs | -500.0000% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0212% | 1,100 |
| Assets per employee ($millions) | 3.1263% | 5,154 |
| Cash dividends to net income (ytd only)* | 14.5349% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 614 |
| Loan loss allowance to noncurrent loans | 80.3345% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.4785% | 435 |
| Noncurrent loans to loans | 2.4379% | 638 |
| Net loans and leases to total assets | 40.9356% | 5,157 |
| Net loans and leases to deposits | 48.0116% | 5,186 |
| Net loans and leases to core deposits | 48.8295% | 5,238 |
| Total domestic deposits to total assets | 85.2618% | 2,614 |
| Equity capital to assets | 12.1808% | 1,849 |
| Core capital (leverage) ratio | 12.5137% | 1,411 |
| Tier 1 risk-based capital ratio | 23.6876% | 882 |
| Total risk-based capital ratio | 24.9413% | 863 |
| Memoranda: | ||
| Average total assets | $190,233,750 | 3,044 |
| Average earning assets | $173,503,250 | 3,058 |
| Average equity | $23,137,500 | 2,865 |
| Average total loans | $82,586,750 | 3,714 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 4,128 |
| Cost of funding earning assets | 0.1836% | 5,114 |
| Net interest margin | 3.5479% | 3,221 |
| Noninterest income to average assets | 0.6888% | 2,042 |
| Noninterest expense to average assets | 3.1476% | 1,711 |
| Loan and lease loss provision to assets | 0.0794% | 2,398 |
| Net operating income to assets | 0.4549% | 4,840 |
| Return on assets (ROA) | 0.4549% | 4,864 |
| Pretax return on assets | 0.6930% | 4,569 |
| Return on Equity (ROE) | 3.7424% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.8721% | 4,002 |
| Net charge-offs to loans | -0.1275% | 5,484 |
| Credit loss provision to net charge-offs | -141.5094% | 4,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2969% | 1,180 |
| Assets per employee ($millions) | 3.0349% | 5,234 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 660 |
| Loan loss allowance to noncurrent loans | 79.1992% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.5826% | 403 |
| Noncurrent loans to loans | 2.4587% | 621 |
| Net loans and leases to total assets | 42.7162% | 5,109 |
| Net loans and leases to deposits | 49.4185% | 5,161 |
| Net loans and leases to core deposits | 50.1720% | 5,218 |
| Total domestic deposits to total assets | 86.4377% | 2,179 |
| Equity capital to assets | 12.2590% | 1,751 |
| Core capital (leverage) ratio | 12.6074% | 1,333 |
| Tier 1 risk-based capital ratio | 23.8257% | 869 |
| Total risk-based capital ratio | 25.0804% | 852 |
| Memoranda: | ||
| Average total assets | $189,035,330 | 3,067 |
| Average earning assets | $172,156,000 | 3,086 |
| Average equity | $22,980,000 | 2,881 |
| Average total loans | $83,139,000 | 3,718 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 3,990 |
| Cost of funding earning assets | 0.1826% | 5,132 |
| Net interest margin | 3.5521% | 3,080 |
| Noninterest income to average assets | 0.8662% | 1,341 |
| Noninterest expense to average assets | 3.1540% | 1,733 |
| Loan and lease loss provision to assets | 0.0809% | 2,200 |
| Net operating income to assets | 0.5512% | 4,374 |
| Return on assets (ROA) | 0.5512% | 4,418 |
| Pretax return on assets | 0.8598% | 3,900 |
| Return on Equity (ROE) | 4.5537% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.7955% | 4,011 |
| Net charge-offs to loans | -0.2504% | 5,662 |
| Credit loss provision to net charge-offs | -73.0769% | 3,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0270% | 1,752 |
| Assets per employee ($millions) | 2.9964% | 5,355 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 790 |
| Loan loss allowance to noncurrent loans | 71.4801% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 3.0407% | 328 |
| Noncurrent loans to loans | 2.6607% | 571 |
| Net loans and leases to total assets | 43.2815% | 5,079 |
| Net loans and leases to deposits | 50.0196% | 5,132 |
| Net loans and leases to core deposits | 50.7223% | 5,196 |
| Total domestic deposits to total assets | 86.5292% | 2,428 |
| Equity capital to assets | 12.1592% | 1,733 |
| Core capital (leverage) ratio | 12.7828% | 1,221 |
| Tier 1 risk-based capital ratio | 23.0315% | 971 |
| Total risk-based capital ratio | 24.2852% | 957 |
| Memoranda: | ||
| Average total assets | $187,953,500 | 3,107 |
| Average earning assets | $170,827,000 | 3,124 |
| Average equity | $22,750,500 | 2,920 |
| Average total loans | $83,061,000 | 3,739 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 4,806 |
| Cost of funding earning assets | 0.1853% | 5,157 |
| Net interest margin | 3.3046% | 4,132 |
| Noninterest income to average assets | 0.9054% | 1,397 |
| Noninterest expense to average assets | 3.2859% | 1,603 |
| Loan and lease loss provision to assets | 0.0810% | 2,739 |
| Net operating income to assets | 0.3522% | 5,077 |
| Return on assets (ROA) | 0.3526% | 5,163 |
| Pretax return on assets | 0.5523% | 4,916 |
| Return on Equity (ROE) | 2.7654% | 5,222 |
| Retained earnings to average equity (ytd only) | -1.8930% | 5,523 |
| Net charge-offs to loans | 0.2799% | 982 |
| Credit loss provision to net charge-offs | 66.6667% | 3,162 |
| Earnings coverage of net charge-offs (x) | 5.2089% | 3,371 |
| Efficiency ratio | 83.8523% | 1,022 |
| Assets per employee ($millions) | 3.0183% | 5,342 |
| Cash dividends to net income (ytd only)* | 168.4533% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 941 |
| Loan loss allowance to noncurrent loans | 60.7564% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 3.2447% | 281 |
| Noncurrent loans to loans | 2.9686% | 464 |
| Net loans and leases to total assets | 43.4662% | 5,149 |
| Net loans and leases to deposits | 50.3251% | 5,197 |
| Net loans and leases to core deposits | 51.0535% | 5,264 |
| Total domestic deposits to total assets | 86.3709% | 2,422 |
| Equity capital to assets | 12.0490% | 1,765 |
| Core capital (leverage) ratio | 12.4444% | 1,358 |
| Tier 1 risk-based capital ratio | 23.2134% | 949 |
| Total risk-based capital ratio | 24.4668% | 930 |
| Memoranda: | ||
| Average total assets | $185,217,600 | 3,109 |
| Average earning assets | $168,884,400 | 3,127 |
| Average equity | $23,613,000 | 2,834 |
| Average total loans | $80,382,600 | 3,795 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 4,842 |
| Cost of funding earning assets | 0.1852% | 5,219 |
| Net interest margin | 3.3019% | 4,179 |
| Noninterest income to average assets | 0.9101% | 1,376 |
| Noninterest expense to average assets | 3.3163% | 1,529 |
| Loan and lease loss provision to assets | 0.0816% | 2,576 |
| Net operating income to assets | 0.3359% | 5,198 |
| Return on assets (ROA) | 0.3363% | 5,273 |
| Pretax return on assets | 0.5247% | 5,067 |
| Return on Equity (ROE) | 2.6019% | 5,330 |
| Retained earnings to average equity (ytd only) | -0.1898% | 5,392 |
| Net charge-offs to loans | 0.3794% | 579 |
| Credit loss provision to net charge-offs | 49.7797% | 3,039 |
| Earnings coverage of net charge-offs (x) | 3.6960% | 3,372 |
| Efficiency ratio | 84.5602% | 944 |
| Assets per employee ($millions) | 3.0998% | 5,295 |
| Cash dividends to net income (ytd only)* | 107.2958% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 990 |
| Loan loss allowance to noncurrent loans | 64.8685% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.0309% | 377 |
| Noncurrent loans to loans | 2.7977% | 574 |
| Net loans and leases to total assets | 40.9589% | 5,335 |
| Net loans and leases to deposits | 47.7197% | 5,389 |
| Net loans and leases to core deposits | 48.4049% | 5,441 |
| Total domestic deposits to total assets | 85.8321% | 2,437 |
| Equity capital to assets | 12.4456% | 1,810 |
| Core capital (leverage) ratio | 12.8295% | 1,252 |
| Tier 1 risk-based capital ratio | 24.3143% | 876 |
| Total risk-based capital ratio | 25.5669% | 863 |
| Memoranda: | ||
| Average total assets | $184,738,000 | 3,120 |
| Average earning assets | $168,506,000 | 3,147 |
| Average equity | $23,879,250 | 2,826 |
| Average total loans | $79,769,500 | 3,830 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 4,831 |
| Cost of funding earning assets | 0.1844% | 5,285 |
| Net interest margin | 3.3284% | 4,125 |
| Noninterest income to average assets | 0.9152% | 1,328 |
| Noninterest expense to average assets | 3.3239% | 1,545 |
| Loan and lease loss provision to assets | 0.0823% | 2,490 |
| Net operating income to assets | 0.3482% | 5,187 |
| Return on assets (ROA) | 0.3490% | 5,266 |
| Pretax return on assets | 0.5410% | 5,046 |
| Return on Equity (ROE) | 2.6649% | 5,342 |
| Retained earnings to average equity (ytd only) | -0.6872% | 5,394 |
| Net charge-offs to loans | 0.5199% | 411 |
| Credit loss provision to net charge-offs | 36.2319% | 2,807 |
| Earnings coverage of net charge-offs (x) | 2.7391% | 3,218 |
| Efficiency ratio | 84.2325% | 1,027 |
| Assets per employee ($millions) | 2.8637% | 5,561 |
| Cash dividends to net income (ytd only)* | 125.7862% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 1,090 |
| Loan loss allowance to noncurrent loans | 89.8125% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.8280% | 444 |
| Noncurrent loans to loans | 1.9954% | 997 |
| Net loans and leases to total assets | 42.9656% | 5,287 |
| Net loans and leases to deposits | 50.4094% | 5,316 |
| Net loans and leases to core deposits | 51.3636% | 5,387 |
| Total domestic deposits to total assets | 85.2333% | 2,769 |
| Equity capital to assets | 13.0496% | 1,473 |
| Core capital (leverage) ratio | 13.1522% | 1,099 |
| Tier 1 risk-based capital ratio | 24.4173% | 862 |
| Total risk-based capital ratio | 25.6706% | 847 |
| Memoranda: | ||
| Average total assets | $182,254,670 | 3,166 |
| Average earning assets | $165,965,000 | 3,194 |
| Average equity | $23,866,000 | 2,846 |
| Average total loans | $79,635,000 | 3,851 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 4,998 |
| Cost of funding earning assets | 0.1859% | 5,319 |
| Net interest margin | 3.2671% | 4,340 |
| Noninterest income to average assets | 0.9200% | 1,268 |
| Noninterest expense to average assets | 3.3278% | 1,537 |
| Loan and lease loss provision to assets | 0.0836% | 2,281 |
| Net operating income to assets | 0.3147% | 5,259 |
| Return on assets (ROA) | 0.3147% | 5,344 |
| Pretax return on assets | 0.4864% | 5,118 |
| Return on Equity (ROE) | 2.3993% | 5,401 |
| Retained earnings to average equity (ytd only) | -1.7953% | 5,367 |
| Net charge-offs to loans | 0.8921% | 225 |
| Credit loss provision to net charge-offs | 21.4689% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.4633% | 2,816 |
| Efficiency ratio | 85.3755% | 1,036 |
| Assets per employee ($millions) | 2.8774% | 5,619 |
| Cash dividends to net income (ytd only)* | 174.8252% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8240% | 1,108 |
| Loan loss allowance to noncurrent loans | 85.4328% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.8923% | 448 |
| Noncurrent loans to loans | 2.1350% | 978 |
| Net loans and leases to total assets | 42.4909% | 5,326 |
| Net loans and leases to deposits | 49.8108% | 5,350 |
| Net loans and leases to core deposits | 50.6540% | 5,417 |
| Total domestic deposits to total assets | 85.3046% | 3,001 |
| Equity capital to assets | 13.1392% | 1,347 |
| Core capital (leverage) ratio | 13.3037% | 1,049 |
| Tier 1 risk-based capital ratio | 25.0553% | 804 |
| Total risk-based capital ratio | 26.3092% | 787 |
| Memoranda: | ||
| Average total assets | $181,743,500 | 3,184 |
| Average earning assets | $165,652,500 | 3,207 |
| Average equity | $23,840,500 | 2,852 |
| Average total loans | $79,361,000 | 3,877 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,562 |
| Cost of funding earning assets | 0.1925% | 5,344 |
| Net interest margin | 3.4465% | 3,735 |
| Noninterest income to average assets | 0.9630% | 1,284 |
| Noninterest expense to average assets | 3.4198% | 1,449 |
| Loan and lease loss provision to assets | 0.0853% | 2,584 |
| Net operating income to assets | 0.3805% | 5,107 |
| Return on assets (ROA) | 0.3805% | 5,192 |
| Pretax return on assets | 0.5944% | 4,854 |
| Return on Equity (ROE) | 2.8247% | 5,364 |
| Retained earnings to average equity (ytd only) | 0.0802% | 5,473 |
| Net charge-offs to loans | 0.1954% | 1,492 |
| Credit loss provision to net charge-offs | 92.5926% | 2,709 |
| Earnings coverage of net charge-offs (x) | 7.3765% | 3,088 |
| Efficiency ratio | 83.4189% | 1,234 |
| Assets per employee ($millions) | 2.8923% | 5,621 |
| Cash dividends to net income (ytd only)* | 97.1599% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 876 |
| Loan loss allowance to noncurrent loans | 52.7041% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 3.0333% | 431 |
| Noncurrent loans to loans | 3.7089% | 352 |
| Net loans and leases to total assets | 43.1896% | 5,332 |
| Net loans and leases to deposits | 50.4410% | 5,369 |
| Net loans and leases to core deposits | 51.1810% | 5,445 |
| Total domestic deposits to total assets | 85.6240% | 2,803 |
| Equity capital to assets | 13.0962% | 1,303 |
| Core capital (leverage) ratio | 13.5297% | 956 |
| Tier 1 risk-based capital ratio | 25.4323% | 778 |
| Total risk-based capital ratio | 26.6877% | 760 |
| Memoranda: | ||
| Average total assets | $175,798,400 | 3,222 |
| Average earning assets | $159,990,600 | 3,254 |
| Average equity | $23,683,800 | 2,814 |
| Average total loans | $82,912,800 | 3,746 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6995% | 4,422 |
| Cost of funding earning assets | 0.1945% | 5,427 |
| Net interest margin | 3.5050% | 3,511 |
| Noninterest income to average assets | 0.9667% | 1,272 |
| Noninterest expense to average assets | 3.4489% | 1,381 |
| Loan and lease loss provision to assets | 0.1148% | 1,969 |
| Net operating income to assets | 0.3773% | 5,240 |
| Return on assets (ROA) | 0.3773% | 5,320 |
| Pretax return on assets | 0.5886% | 5,003 |
| Return on Equity (ROE) | 2.7807% | 5,463 |
| Retained earnings to average equity (ytd only) | -0.1805% | 5,630 |
| Net charge-offs to loans | 0.1867% | 1,366 |
| Credit loss provision to net charge-offs | 128.2051% | 1,895 |
| Earnings coverage of net charge-offs (x) | 7.8545% | 2,873 |
| Efficiency ratio | 83.0599% | 1,263 |
| Assets per employee ($millions) | 2.7917% | 5,762 |
| Cash dividends to net income (ytd only)* | 106.4900% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 962 |
| Loan loss allowance to noncurrent loans | 52.2992% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.1556% | 453 |
| Noncurrent loans to loans | 3.7632% | 380 |
| Net loans and leases to total assets | 45.0235% | 5,291 |
| Net loans and leases to deposits | 52.8872% | 5,321 |
| Net loans and leases to core deposits | 55.4428% | 5,336 |
| Total domestic deposits to total assets | 85.1312% | 2,959 |
| Equity capital to assets | 13.3453% | 1,295 |
| Core capital (leverage) ratio | 13.3343% | 1,076 |
| Tier 1 risk-based capital ratio | 25.0128% | 856 |
| Total risk-based capital ratio | 26.2688% | 845 |
| Memoranda: | ||
| Average total assets | $174,194,750 | 3,271 |
| Average earning assets | $158,322,250 | 3,308 |
| Average equity | $23,639,000 | 2,839 |
| Average total loans | $83,574,500 | 3,765 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,289 |
| Cost of funding earning assets | 0.1940% | 5,497 |
| Net interest margin | 3.5435% | 3,319 |
| Noninterest income to average assets | 0.9658% | 1,258 |
| Noninterest expense to average assets | 3.4742% | 1,338 |
| Loan and lease loss provision to assets | 0.1737% | 1,200 |
| Net operating income to assets | 0.3416% | 5,320 |
| Return on assets (ROA) | 0.3416% | 5,428 |
| Pretax return on assets | 0.5327% | 5,145 |
| Return on Equity (ROE) | 2.5031% | 5,560 |
| Retained earnings to average equity (ytd only) | -1.1031% | 5,705 |
| Net charge-offs to loans | 0.1974% | 1,267 |
| Credit loss provision to net charge-offs | 180.7229% | 1,341 |
| Earnings coverage of net charge-offs (x) | 7.3494% | 2,678 |
| Efficiency ratio | 83.1025% | 1,352 |
| Assets per employee ($millions) | 2.7657% | 5,849 |
| Cash dividends to net income (ytd only)* | 144.0678% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 1,052 |
| Loan loss allowance to noncurrent loans | 51.7913% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 3.3231% | 451 |
| Noncurrent loans to loans | 3.7817% | 437 |
| Net loans and leases to total assets | 46.6063% | 5,205 |
| Net loans and leases to deposits | 54.5689% | 5,219 |
| Net loans and leases to core deposits | 57.1252% | 5,244 |
| Total domestic deposits to total assets | 85.4081% | 2,967 |
| Equity capital to assets | 13.2524% | 1,279 |
| Core capital (leverage) ratio | 13.6926% | 933 |
| Tier 1 risk-based capital ratio | 24.3407% | 923 |
| Total risk-based capital ratio | 25.5965% | 913 |
| Memoranda: | ||
| Average total assets | $172,703,330 | 3,307 |
| Average earning assets | $156,682,670 | 3,351 |
| Average equity | $23,570,670 | 2,855 |
| Average total loans | $84,080,000 | 3,785 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,095 |
| Cost of funding earning assets | 0.1941% | 5,560 |
| Net interest margin | 3.5848% | 3,061 |
| Noninterest income to average assets | 0.9710% | 1,186 |
| Noninterest expense to average assets | 3.5250% | 1,258 |
| Loan and lease loss provision to assets | 0.1759% | 1,103 |
| Net operating income to assets | 0.3354% | 5,299 |
| Return on assets (ROA) | 0.3354% | 5,407 |
| Pretax return on assets | 0.5183% | 5,130 |
| Return on Equity (ROE) | 2.4209% | 5,567 |
| Retained earnings to average equity (ytd only) | -0.5417% | 5,480 |
| Net charge-offs to loans | 0.4045% | 600 |
| Credit loss provision to net charge-offs | 88.2353% | 1,756 |
| Earnings coverage of net charge-offs (x) | 3.4824% | 2,602 |
| Efficiency ratio | 83.5464% | 1,424 |
| Assets per employee ($millions) | 2.6402% | 6,010 |
| Cash dividends to net income (ytd only)* | 122.3776% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,333 |
| Loan loss allowance to noncurrent loans | 65.6773% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.0482% | 610 |
| Noncurrent loans to loans | 2.8524% | 794 |
| Net loans and leases to total assets | 47.9506% | 5,035 |
| Net loans and leases to deposits | 56.7761% | 4,999 |
| Net loans and leases to core deposits | 59.4501% | 5,039 |
| Total domestic deposits to total assets | 84.4556% | 3,633 |
| Equity capital to assets | 13.8726% | 1,025 |
| Core capital (leverage) ratio | 14.0688% | 802 |
| Tier 1 risk-based capital ratio | 24.3065% | 962 |
| Total risk-based capital ratio | 25.5544% | 944 |
| Memoranda: | ||
| Average total assets | $170,554,000 | 3,353 |
| Average earning assets | $154,541,500 | 3,400 |
| Average equity | $23,627,500 | 2,868 |
| Average total loans | $84,049,000 | 3,797 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 4,160 |
| Cost of funding earning assets | 0.2009% | 5,738 |
| Net interest margin | 3.6885% | 3,051 |
| Noninterest income to average assets | 1.0644% | 1,074 |
| Noninterest expense to average assets | 3.5113% | 1,461 |
| Loan and lease loss provision to assets | 0.0898% | 2,672 |
| Net operating income to assets | 0.5283% | 4,690 |
| Return on assets (ROA) | 0.5283% | 4,778 |
| Pretax return on assets | 0.7949% | 4,279 |
| Return on Equity (ROE) | 3.8177% | 5,193 |
| Retained earnings to average equity (ytd only) | 0.3549% | 5,616 |
| Net charge-offs to loans | 0.1635% | 2,399 |
| Credit loss provision to net charge-offs | 111.9403% | 2,126 |
| Earnings coverage of net charge-offs (x) | 11.0224% | 2,556 |
| Efficiency ratio | 79.8746% | 1,950 |
| Assets per employee ($millions) | 2.6076% | 6,098 |
| Cash dividends to net income (ytd only)* | 90.7029% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 1,370 |
| Loan loss allowance to noncurrent loans | 59.8637% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 3.1753% | 610 |
| Noncurrent loans to loans | 3.1352% | 705 |
| Net loans and leases to total assets | 48.7663% | 5,092 |
| Net loans and leases to deposits | 57.6356% | 5,088 |
| Net loans and leases to core deposits | 60.3812% | 5,112 |
| Total domestic deposits to total assets | 84.6114% | 3,451 |
| Equity capital to assets | 13.8340% | 1,020 |
| Core capital (leverage) ratio | 14.1642% | 772 |
| Tier 1 risk-based capital ratio | 24.5960% | 878 |
| Total risk-based capital ratio | 25.8509% | 861 |
| Memoranda: | ||
| Average total assets | $166,947,000 | 3,379 |
| Average earning assets | $150,791,000 | 3,431 |
| Average equity | $23,102,800 | 2,838 |
| Average total loans | $81,958,000 | 3,818 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 4,243 |
| Cost of funding earning assets | 0.2007% | 5,821 |
| Net interest margin | 3.6784% | 3,108 |
| Noninterest income to average assets | 0.9733% | 1,301 |
| Noninterest expense to average assets | 3.4417% | 1,578 |
| Loan and lease loss provision to assets | 0.0601% | 3,158 |
| Net operating income to assets | 0.4930% | 4,899 |
| Return on assets (ROA) | 0.4930% | 4,965 |
| Pretax return on assets | 0.7929% | 4,387 |
| Return on Equity (ROE) | 3.5626% | 5,346 |
| Retained earnings to average equity (ytd only) | 0.9558% | 5,500 |
| Net charge-offs to loans | 0.1294% | 2,499 |
| Credit loss provision to net charge-offs | 94.9367% | 2,343 |
| Earnings coverage of net charge-offs (x) | 13.4684% | 2,224 |
| Efficiency ratio | 80.1381% | 1,894 |
| Assets per employee ($millions) | 2.4657% | 6,247 |
| Cash dividends to net income (ytd only)* | 73.1713% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 1,567 |
| Loan loss allowance to noncurrent loans | 63.1366% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 3.1330% | 734 |
| Noncurrent loans to loans | 2.9357% | 916 |
| Net loans and leases to total assets | 49.3314% | 5,076 |
| Net loans and leases to deposits | 58.5945% | 5,056 |
| Net loans and leases to core deposits | 61.1210% | 5,109 |
| Total domestic deposits to total assets | 84.1912% | 3,690 |
| Equity capital to assets | 13.9611% | 1,019 |
| Core capital (leverage) ratio | 14.3459% | 759 |
| Tier 1 risk-based capital ratio | 24.5875% | 916 |
| Total risk-based capital ratio | 25.8419% | 908 |
| Memoranda: | ||
| Average total assets | $166,309,750 | 3,419 |
| Average earning assets | $150,172,000 | 3,462 |
| Average equity | $23,016,500 | 2,853 |
| Average total loans | $81,388,000 | 3,863 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 4,342 |
| Cost of funding earning assets | 0.2004% | 5,911 |
| Net interest margin | 3.6473% | 3,155 |
| Noninterest income to average assets | 0.9587% | 1,310 |
| Noninterest expense to average assets | 3.4222% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5149% | 4,745 |
| Return on assets (ROA) | 0.5149% | 4,842 |
| Pretax return on assets | 0.8284% | 4,161 |
| Return on Equity (ROE) | 3.7315% | 5,260 |
| Retained earnings to average equity (ytd only) | 1.1098% | 5,315 |
| Net charge-offs to loans | 0.1741% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.8143% | 2,316 |
| Efficiency ratio | 80.5106% | 1,945 |
| Assets per employee ($millions) | 2.6191% | 6,188 |
| Cash dividends to net income (ytd only)* | 70.2576% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 1,777 |
| Loan loss allowance to noncurrent loans | 53.1272% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 3.3367% | 727 |
| Noncurrent loans to loans | 3.4352% | 784 |
| Net loans and leases to total assets | 47.9782% | 5,173 |
| Net loans and leases to deposits | 56.8349% | 5,135 |
| Net loans and leases to core deposits | 59.2785% | 5,181 |
| Total domestic deposits to total assets | 84.4167% | 3,762 |
| Equity capital to assets | 13.9469% | 990 |
| Core capital (leverage) ratio | 14.4191% | 727 |
| Tier 1 risk-based capital ratio | 25.1271% | 857 |
| Total risk-based capital ratio | 26.3818% | 846 |
| Memoranda: | ||
| Average total assets | $165,857,670 | 3,441 |
| Average earning assets | $149,700,670 | 3,490 |
| Average equity | $22,886,000 | 2,859 |
| Average total loans | $80,426,000 | 3,898 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 4,287 |
| Cost of funding earning assets | 0.2041% | 5,956 |
| Net interest margin | 3.6468% | 3,073 |
| Noninterest income to average assets | 0.9626% | 1,223 |
| Noninterest expense to average assets | 3.3993% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5334% | 4,535 |
| Return on assets (ROA) | 0.5334% | 4,608 |
| Pretax return on assets | 0.8559% | 3,877 |
| Return on Equity (ROE) | 3.8869% | 5,096 |
| Retained earnings to average equity (ytd only) | 0.3534% | 5,427 |
| Net charge-offs to loans | -0.0100% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8860% | 2,227 |
| Assets per employee ($millions) | 2.6071% | 6,281 |
| Cash dividends to net income (ytd only)* | 90.9091% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 1,595 |
| Loan loss allowance to noncurrent loans | 62.1729% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 3.0571% | 925 |
| Noncurrent loans to loans | 3.1557% | 978 |
| Net loans and leases to total assets | 46.9570% | 5,237 |
| Net loans and leases to deposits | 55.4101% | 5,163 |
| Net loans and leases to core deposits | 58.0929% | 5,193 |
| Total domestic deposits to total assets | 84.7444% | 3,976 |
| Equity capital to assets | 13.6884% | 1,041 |
| Core capital (leverage) ratio | 14.6822% | 654 |
| Tier 1 risk-based capital ratio | 25.5193% | 832 |
| Total risk-based capital ratio | 26.7747% | 817 |
| Memoranda: | ||
| Average total assets | $164,975,500 | 3,483 |
| Average earning assets | $148,950,500 | 3,523 |
| Average equity | $22,640,000 | 2,876 |
| Average total loans | $79,680,500 | 3,941 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 4,809 |
| Cost of funding earning assets | 0.2203% | 6,177 |
| Net interest margin | 3.5818% | 3,541 |
| Noninterest income to average assets | 1.0967% | 1,166 |
| Noninterest expense to average assets | 3.5670% | 1,512 |
| Loan and lease loss provision to assets | 0.1072% | 3,008 |
| Net operating income to assets | 0.4201% | 5,079 |
| Return on assets (ROA) | 0.4201% | 5,186 |
| Pretax return on assets | 0.6779% | 4,615 |
| Return on Equity (ROE) | 2.9752% | 5,517 |
| Retained earnings to average equity (ytd only) | 0.8067% | 5,474 |
| Net charge-offs to loans | 0.4205% | 1,588 |
| Credit loss provision to net charge-offs | 53.8462% | 3,731 |
| Earnings coverage of net charge-offs (x) | 3.9446% | 3,713 |
| Efficiency ratio | 81.9614% | 1,879 |
| Assets per employee ($millions) | 2.4711% | 6,423 |
| Cash dividends to net income (ytd only)* | 72.8863% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 1,623 |
| Loan loss allowance to noncurrent loans | 54.4537% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 3.5489% | 815 |
| Noncurrent loans to loans | 3.6177% | 844 |
| Net loans and leases to total assets | 47.7498% | 5,316 |
| Net loans and leases to deposits | 56.2715% | 5,279 |
| Net loans and leases to core deposits | 59.0572% | 5,302 |
| Total domestic deposits to total assets | 84.8560% | 3,827 |
| Equity capital to assets | 13.7589% | 979 |
| Core capital (leverage) ratio | 14.5803% | 669 |
| Tier 1 risk-based capital ratio | 25.5966% | 806 |
| Total risk-based capital ratio | 26.8526% | 791 |
| Memoranda: | ||
| Average total assets | $163,303,800 | 3,506 |
| Average earning assets | $148,416,600 | 3,533 |
| Average equity | $23,057,400 | 2,813 |
| Average total loans | $77,291,400 | 4,014 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 4,946 |
| Cost of funding earning assets | 0.2241% | 6,271 |
| Net interest margin | 3.5500% | 3,656 |
| Noninterest income to average assets | 1.0986% | 1,209 |
| Noninterest expense to average assets | 3.6410% | 1,332 |
| Loan and lease loss provision to assets | 0.1428% | 2,501 |
| Net operating income to assets | 0.3404% | 5,466 |
| Return on assets (ROA) | 0.3404% | 5,594 |
| Pretax return on assets | 0.5468% | 5,213 |
| Return on Equity (ROE) | 2.3953% | 5,829 |
| Retained earnings to average equity (ytd only) | 0.3848% | 5,814 |
| Net charge-offs to loans | 0.4968% | 1,295 |
| Credit loss provision to net charge-offs | 61.1888% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.9546% | 3,853 |
| Efficiency ratio | 84.0746% | 1,587 |
| Assets per employee ($millions) | 2.4608% | 6,507 |
| Cash dividends to net income (ytd only)* | 83.9332% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 1,593 |
| Loan loss allowance to noncurrent loans | 65.5088% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 3.6871% | 891 |
| Noncurrent loans to loans | 3.1427% | 1,254 |
| Net loans and leases to total assets | 46.2532% | 5,524 |
| Net loans and leases to deposits | 54.6088% | 5,484 |
| Net loans and leases to core deposits | 57.2881% | 5,511 |
| Total domestic deposits to total assets | 84.6991% | 3,884 |
| Equity capital to assets | 13.7742% | 1,030 |
| Core capital (leverage) ratio | 14.5686% | 719 |
| Tier 1 risk-based capital ratio | 25.8872% | 795 |
| Total risk-based capital ratio | 27.1432% | 779 |
| Memoranda: | ||
| Average total assets | $163,356,250 | 3,544 |
| Average earning assets | $148,730,750 | 3,559 |
| Average equity | $23,211,750 | 2,822 |
| Average total loans | $76,753,750 | 4,067 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 5,068 |
| Cost of funding earning assets | 0.2315% | 6,295 |
| Net interest margin | 3.4934% | 3,807 |
| Noninterest income to average assets | 1.0844% | 1,302 |
| Noninterest expense to average assets | 3.6082% | 1,406 |
| Loan and lease loss provision to assets | 0.1842% | 2,057 |
| Net operating income to assets | 0.2972% | 5,610 |
| Return on assets (ROA) | 0.2972% | 5,759 |
| Pretax return on assets | 0.4790% | 5,442 |
| Return on Equity (ROE) | 2.0702% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.3593% | 5,750 |
| Net charge-offs to loans | 0.7515% | 859 |
| Credit loss provision to net charge-offs | 52.2648% | 3,170 |
| Earnings coverage of net charge-offs (x) | 1.8815% | 3,897 |
| Efficiency ratio | 84.4738% | 1,582 |
| Assets per employee ($millions) | 2.3176% | 6,629 |
| Cash dividends to net income (ytd only)* | 82.6446% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1353% | 1,552 |
| Loan loss allowance to noncurrent loans | 56.6403% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 4.1848% | 809 |
| Noncurrent loans to loans | 3.7699% | 1,082 |
| Net loans and leases to total assets | 44.5809% | 5,691 |
| Net loans and leases to deposits | 52.7020% | 5,625 |
| Net loans and leases to core deposits | 55.3342% | 5,652 |
| Total domestic deposits to total assets | 84.5905% | 4,090 |
| Equity capital to assets | 14.0251% | 965 |
| Core capital (leverage) ratio | 14.2674% | 756 |
| Tier 1 risk-based capital ratio | 26.9450% | 698 |
| Total risk-based capital ratio | 28.2026% | 686 |
| Memoranda: | ||
| Average total assets | $162,850,670 | 3,571 |
| Average earning assets | $148,567,330 | 3,586 |
| Average equity | $23,379,000 | 2,831 |
| Average total loans | $76,384,330 | 4,092 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,999 |
| Cost of funding earning assets | 0.2357% | 6,373 |
| Net interest margin | 3.5119% | 3,646 |
| Noninterest income to average assets | 1.0493% | 1,346 |
| Noninterest expense to average assets | 3.6406% | 1,352 |
| Loan and lease loss provision to assets | 0.1839% | 2,004 |
| Net operating income to assets | 0.2746% | 5,645 |
| Return on assets (ROA) | 0.2746% | 5,768 |
| Pretax return on assets | 0.4388% | 5,440 |
| Return on Equity (ROE) | 1.8909% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.2026% | 5,716 |
| Net charge-offs to loans | -0.0155% | 5,608 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3939% | 1,597 |
| Assets per employee ($millions) | 2.4338% | 6,637 |
| Cash dividends to net income (ytd only)* | 89.2857% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3372% | 1,355 |
| Loan loss allowance to noncurrent loans | 42.4882% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 4.1474% | 938 |
| Noncurrent loans to loans | 5.5009% | 653 |
| Net loans and leases to total assets | 45.2701% | 5,516 |
| Net loans and leases to deposits | 53.8318% | 5,450 |
| Net loans and leases to core deposits | 56.4797% | 5,478 |
| Total domestic deposits to total assets | 84.0955% | 4,435 |
| Equity capital to assets | 14.3112% | 934 |
| Core capital (leverage) ratio | 14.6450% | 644 |
| Tier 1 risk-based capital ratio | 26.8188% | 725 |
| Total risk-based capital ratio | 28.0788% | 716 |
| Memoranda: | ||
| Average total assets | $163,160,500 | 3,601 |
| Average earning assets | $149,322,500 | 3,605 |
| Average equity | $23,692,000 | 2,835 |
| Average total loans | $77,625,500 | 4,077 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 5,431 |
| Cost of funding earning assets | 0.2990% | 6,457 |
| Net interest margin | 3.6537% | 3,858 |
| Noninterest income to average assets | 1.1371% | 1,208 |
| Noninterest expense to average assets | 3.6516% | 1,500 |
| Loan and lease loss provision to assets | 0.1888% | 3,277 |
| Net operating income to assets | 0.3939% | 5,122 |
| Return on assets (ROA) | 0.3939% | 5,364 |
| Pretax return on assets | 0.6343% | 4,872 |
| Return on Equity (ROE) | 2.6565% | 5,690 |
| Retained earnings to average equity (ytd only) | 0.8530% | 5,441 |
| Net charge-offs to loans | 0.4813% | 2,315 |
| Credit loss provision to net charge-offs | 78.1250% | 3,885 |
| Earnings coverage of net charge-offs (x) | 3.4063% | 3,740 |
| Efficiency ratio | 81.6060% | 1,927 |
| Assets per employee ($millions) | 2.3650% | 6,736 |
| Cash dividends to net income (ytd only)* | 67.8914% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1837% | 1,577 |
| Loan loss allowance to noncurrent loans | 33.6935% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 4.9204% | 794 |
| Noncurrent loans to loans | 6.4811% | 521 |
| Net loans and leases to total assets | 47.7680% | 5,435 |
| Net loans and leases to deposits | 57.0413% | 5,331 |
| Net loans and leases to core deposits | 59.7475% | 5,388 |
| Total domestic deposits to total assets | 83.7428% | 4,421 |
| Equity capital to assets | 14.7363% | 812 |
| Core capital (leverage) ratio | 14.7770% | 609 |
| Tier 1 risk-based capital ratio | 26.8927% | 698 |
| Total risk-based capital ratio | 28.1511% | 690 |
| Memoranda: | ||
| Average total assets | $158,914,600 | 3,639 |
| Average earning assets | $145,167,800 | 3,636 |
| Average equity | $23,564,600 | 2,795 |
| Average total loans | $79,778,800 | 4,048 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 5,465 |
| Cost of funding earning assets | 0.3141% | 6,540 |
| Net interest margin | 3.7047% | 3,781 |
| Noninterest income to average assets | 1.1302% | 1,182 |
| Noninterest expense to average assets | 3.8037% | 1,204 |
| Loan and lease loss provision to assets | 0.1893% | 3,223 |
| Net operating income to assets | 0.3240% | 5,528 |
| Return on assets (ROA) | 0.3240% | 5,732 |
| Pretax return on assets | 0.5217% | 5,401 |
| Return on Equity (ROE) | 2.1815% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.3400% | 5,986 |
| Net charge-offs to loans | 0.0300% | 5,233 |
| Credit loss provision to net charge-offs | 1,250.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 46.9433% | 786 |
| Efficiency ratio | 84.2498% | 1,567 |
| Assets per employee ($millions) | 2.3039% | 6,855 |
| Cash dividends to net income (ytd only)* | 84.4152% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5488% | 1,147 |
| Loan loss allowance to noncurrent loans | 34.0173% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 5.4295% | 793 |
| Noncurrent loans to loans | 7.4927% | 449 |
| Net loans and leases to total assets | 48.2474% | 5,521 |
| Net loans and leases to deposits | 58.2277% | 5,410 |
| Net loans and leases to core deposits | 61.1760% | 5,438 |
| Total domestic deposits to total assets | 82.8599% | 4,694 |
| Equity capital to assets | 14.8384% | 860 |
| Core capital (leverage) ratio | 14.8019% | 646 |
| Tier 1 risk-based capital ratio | 26.6813% | 764 |
| Total risk-based capital ratio | 27.9441% | 749 |
| Memoranda: | ||
| Average total assets | $158,438,000 | 3,683 |
| Average earning assets | $144,749,250 | 3,679 |
| Average equity | $23,531,000 | 2,821 |
| Average total loans | $80,089,500 | 4,080 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 5,147 |
| Cost of funding earning assets | 0.3333% | 6,587 |
| Net interest margin | 3.8113% | 3,310 |
| Noninterest income to average assets | 1.1070% | 1,169 |
| Noninterest expense to average assets | 3.8228% | 1,178 |
| Loan and lease loss provision to assets | 0.1896% | 3,205 |
| Net operating income to assets | 0.3538% | 5,411 |
| Return on assets (ROA) | 0.3538% | 5,634 |
| Pretax return on assets | 0.5775% | 5,216 |
| Return on Equity (ROE) | 2.3818% | 5,920 |
| Retained earnings to average equity (ytd only) | 0.4678% | 5,885 |
| Net charge-offs to loans | 0.0149% | 5,219 |
| Credit loss provision to net charge-offs | 2,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 101.1667% | 421 |
| Efficiency ratio | 83.2874% | 1,709 |
| Assets per employee ($millions) | 2.3047% | 6,906 |
| Cash dividends to net income (ytd only)* | 80.3571% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4822% | 1,307 |
| Loan loss allowance to noncurrent loans | 34.2500% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 5.1446% | 914 |
| Noncurrent loans to loans | 7.2473% | 523 |
| Net loans and leases to total assets | 48.0022% | 5,612 |
| Net loans and leases to deposits | 57.9161% | 5,459 |
| Net loans and leases to core deposits | 60.6846% | 5,522 |
| Total domestic deposits to total assets | 82.8822% | 4,796 |
| Equity capital to assets | 14.8439% | 823 |
| Core capital (leverage) ratio | 14.6344% | 669 |
| Tier 1 risk-based capital ratio | 26.7565% | 748 |
| Total risk-based capital ratio | 28.0185% | 732 |
| Memoranda: | ||
| Average total assets | $158,262,000 | 3,697 |
| Average earning assets | $144,622,330 | 3,701 |
| Average equity | $23,512,000 | 2,809 |
| Average total loans | $80,551,670 | 4,089 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 5,546 |
| Cost of funding earning assets | 0.3609% | 6,596 |
| Net interest margin | 3.7115% | 3,777 |
| Noninterest income to average assets | 1.0666% | 1,269 |
| Noninterest expense to average assets | 3.9295% | 1,025 |
| Loan and lease loss provision to assets | 0.1900% | 3,056 |
| Net operating income to assets | 0.2078% | 5,960 |
| Return on assets (ROA) | 0.2078% | 6,104 |
| Pretax return on assets | 0.3344% | 5,898 |
| Return on Equity (ROE) | 1.3978% | 6,257 |
| Retained earnings to average equity (ytd only) | -0.3068% | 6,043 |
| Net charge-offs to loans | 0.0196% | 4,417 |
| Credit loss provision to net charge-offs | 1,875.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 51.7500% | 622 |
| Efficiency ratio | 88.2253% | 1,262 |
| Assets per employee ($millions) | 2.3561% | 6,955 |
| Cash dividends to net income (ytd only)* | 121.9512% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3500% | 1,588 |
| Loan loss allowance to noncurrent loans | 33.2977% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 5.1064% | 1,005 |
| Noncurrent loans to loans | 7.0577% | 628 |
| Net loans and leases to total assets | 48.5001% | 5,489 |
| Net loans and leases to deposits | 58.4079% | 5,335 |
| Net loans and leases to core deposits | 61.4175% | 5,390 |
| Total domestic deposits to total assets | 83.0369% | 4,911 |
| Equity capital to assets | 14.6050% | 831 |
| Core capital (leverage) ratio | 14.9035% | 612 |
| Tier 1 risk-based capital ratio | 25.8807% | 811 |
| Total risk-based capital ratio | 27.1405% | 794 |
| Memoranda: | ||
| Average total assets | $157,882,000 | 3,722 |
| Average earning assets | $144,092,000 | 3,742 |
| Average equity | $23,465,500 | 2,806 |
| Average total loans | $81,689,000 | 4,071 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 5,281 |
| Cost of funding earning assets | 0.4680% | 6,662 |
| Net interest margin | 3.9719% | 3,015 |
| Noninterest income to average assets | 1.1068% | 1,085 |
| Noninterest expense to average assets | 3.9096% | 1,169 |
| Loan and lease loss provision to assets | 0.1439% | 4,813 |
| Net operating income to assets | 0.3954% | 4,889 |
| Return on assets (ROA) | 0.3954% | 5,055 |
| Pretax return on assets | 0.6366% | 4,571 |
| Return on Equity (ROE) | 2.6238% | 5,431 |
| Retained earnings to average equity (ytd only) | -0.5604% | 5,941 |
| Net charge-offs to loans | 0.0234% | 6,117 |
| Credit loss provision to net charge-offs | 1,125.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 473 |
| Efficiency ratio | 83.3583% | 1,837 |
| Assets per employee ($millions) | 2.2875% | 7,023 |
| Cash dividends to net income (ytd only)* | 121.3592% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1466% | 1,900 |
| Loan loss allowance to noncurrent loans | 32.7448% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 5.1822% | 1,010 |
| Noncurrent loans to loans | 6.5557% | 706 |
| Net loans and leases to total assets | 52.7193% | 5,200 |
| Net loans and leases to deposits | 63.4928% | 5,065 |
| Net loans and leases to core deposits | 67.8330% | 5,048 |
| Total domestic deposits to total assets | 83.0320% | 4,737 |
| Equity capital to assets | 15.1281% | 746 |
| Core capital (leverage) ratio | 14.8825% | 621 |
| Tier 1 risk-based capital ratio | 24.6919% | 905 |
| Total risk-based capital ratio | 25.9496% | 891 |
| Memoranda: | ||
| Average total assets | $156,305,800 | 3,695 |
| Average earning assets | $141,015,000 | 3,720 |
| Average equity | $23,554,000 | 2,722 |
| Average total loans | $85,526,200 | 3,980 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 5,327 |
| Cost of funding earning assets | 0.4866% | 6,759 |
| Net interest margin | 3.9894% | 2,957 |
| Noninterest income to average assets | 1.1843% | 940 |
| Noninterest expense to average assets | 3.9021% | 1,153 |
| Loan and lease loss provision to assets | 0.1917% | 4,108 |
| Net operating income to assets | 0.4226% | 4,895 |
| Return on assets (ROA) | 0.4226% | 5,084 |
| Pretax return on assets | 0.6807% | 4,549 |
| Return on Equity (ROE) | 2.8070% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.8262% | 5,680 |
| Net charge-offs to loans | 0.0171% | 5,915 |
| Credit loss provision to net charge-offs | 2,045.4545% | 132 |
| Earnings coverage of net charge-offs (x) | 93.0675% | 384 |
| Efficiency ratio | 81.7273% | 2,012 |
| Assets per employee ($millions) | 2.2949% | 7,082 |
| Cash dividends to net income (ytd only)* | 70.5649% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 2,002 |
| Loan loss allowance to noncurrent loans | 36.8303% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 5.1931% | 1,100 |
| Noncurrent loans to loans | 5.7836% | 989 |
| Net loans and leases to total assets | 52.4614% | 5,391 |
| Net loans and leases to deposits | 63.1855% | 5,270 |
| Net loans and leases to core deposits | 68.3254% | 5,146 |
| Total domestic deposits to total assets | 83.0276% | 4,670 |
| Equity capital to assets | 15.0829% | 838 |
| Core capital (leverage) ratio | 15.0692% | 648 |
| Tier 1 risk-based capital ratio | 24.8334% | 929 |
| Total risk-based capital ratio | 26.0867% | 911 |
| Memoranda: | ||
| Average total assets | $156,494,250 | 3,715 |
| Average earning assets | $140,836,500 | 3,751 |
| Average equity | $23,559,500 | 2,720 |
| Average total loans | $85,956,500 | 4,007 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 5,284 |
| Cost of funding earning assets | 0.5109% | 6,810 |
| Net interest margin | 4.0113% | 2,785 |
| Noninterest income to average assets | 1.1612% | 946 |
| Noninterest expense to average assets | 3.8723% | 1,240 |
| Loan and lease loss provision to assets | 0.1925% | 3,998 |
| Net operating income to assets | 0.4375% | 4,781 |
| Return on assets (ROA) | 0.4375% | 4,917 |
| Pretax return on assets | 0.7031% | 4,373 |
| Return on Equity (ROE) | 2.9081% | 5,429 |
| Retained earnings to average equity (ytd only) | 1.2025% | 5,374 |
| Net charge-offs to loans | -0.0023% | 6,531 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2164% | 2,215 |
| Assets per employee ($millions) | 2.2468% | 7,156 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0313% | 2,280 |
| Loan loss allowance to noncurrent loans | 31.0277% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 5.3822% | 1,105 |
| Noncurrent loans to loans | 6.5468% | 841 |
| Net loans and leases to total assets | 53.5103% | 5,365 |
| Net loans and leases to deposits | 64.6460% | 5,192 |
| Net loans and leases to core deposits | 69.0986% | 5,172 |
| Total domestic deposits to total assets | 82.7745% | 4,865 |
| Equity capital to assets | 15.1509% | 784 |
| Core capital (leverage) ratio | 15.0386% | 657 |
| Tier 1 risk-based capital ratio | 23.9415% | 1,012 |
| Total risk-based capital ratio | 25.1984% | 996 |
| Memoranda: | ||
| Average total assets | $155,877,330 | 3,750 |
| Average earning assets | $140,153,670 | 3,791 |
| Average equity | $23,451,670 | 2,708 |
| Average total loans | $86,316,000 | 4,039 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 5,316 |
| Cost of funding earning assets | 0.5459% | 6,817 |
| Net interest margin | 3.9596% | 2,874 |
| Noninterest income to average assets | 1.0182% | 1,275 |
| Noninterest expense to average assets | 3.7815% | 1,368 |
| Loan and lease loss provision to assets | 0.1933% | 3,696 |
| Net operating income to assets | 0.3712% | 5,072 |
| Return on assets (ROA) | 0.3712% | 5,155 |
| Pretax return on assets | 0.5954% | 4,701 |
| Return on Equity (ROE) | 2.4760% | 5,607 |
| Retained earnings to average equity (ytd only) | 0.7566% | 5,524 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7411% | 2,114 |
| Assets per employee ($millions) | 2.2651% | 7,209 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 2,563 |
| Loan loss allowance to noncurrent loans | 25.1355% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 5.9921% | 968 |
| Noncurrent loans to loans | 7.7241% | 663 |
| Net loans and leases to total assets | 53.1638% | 5,427 |
| Net loans and leases to deposits | 63.9930% | 5,254 |
| Net loans and leases to core deposits | 68.1902% | 5,270 |
| Total domestic deposits to total assets | 83.0776% | 4,896 |
| Equity capital to assets | 14.6488% | 841 |
| Core capital (leverage) ratio | 15.3518% | 598 |
| Tier 1 risk-based capital ratio | 23.6137% | 1,009 |
| Total risk-based capital ratio | 24.8693% | 991 |
| Memoranda: | ||
| Average total assets | $155,177,000 | 3,789 |
| Average earning assets | $139,207,000 | 3,836 |
| Average equity | $23,263,000 | 2,720 |
| Average total loans | $86,521,500 | 4,063 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 5,123 |
| Cost of funding earning assets | 0.6716% | 6,954 |
| Net interest margin | 4.2065% | 2,157 |
| Noninterest income to average assets | 2.3691% | 301 |
| Noninterest expense to average assets | 4.3209% | 793 |
| Loan and lease loss provision to assets | 0.4599% | 3,371 |
| Net operating income to assets | 0.8287% | 2,677 |
| Return on assets (ROA) | 0.8291% | 2,814 |
| Pretax return on assets | 1.3376% | 1,836 |
| Return on Equity (ROE) | 5.4882% | 3,845 |
| Retained earnings to average equity (ytd only) | 3.7487% | 3,244 |
| Net charge-offs to loans | 0.2973% | 4,532 |
| Credit loss provision to net charge-offs | 265.1515% | 1,059 |
| Earnings coverage of net charge-offs (x) | 10.3598% | 1,719 |
| Efficiency ratio | 70.6293% | 4,049 |
| Assets per employee ($millions) | 2.1685% | 7,323 |
| Cash dividends to net income (ytd only)* | 31.6957% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 2,757 |
| Loan loss allowance to noncurrent loans | 28.9187% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 5.8665% | 1,028 |
| Noncurrent loans to loans | 6.3300% | 964 |
| Net loans and leases to total assets | 56.3154% | 5,290 |
| Net loans and leases to deposits | 68.1745% | 5,078 |
| Net loans and leases to core deposits | 72.7109% | 5,138 |
| Total domestic deposits to total assets | 82.6048% | 4,975 |
| Equity capital to assets | 15.3490% | 710 |
| Core capital (leverage) ratio | 15.3895% | 602 |
| Tier 1 risk-based capital ratio | 23.2800% | 1,001 |
| Total risk-based capital ratio | 24.5340% | 985 |
| Memoranda: | ||
| Average total assets | $152,212,800 | 3,842 |
| Average earning assets | $135,646,800 | 3,901 |
| Average equity | $22,994,600 | 2,763 |
| Average total loans | $88,807,400 | 4,083 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 5,062 |
| Cost of funding earning assets | 0.6912% | 7,085 |
| Net interest margin | 4.2526% | 2,022 |
| Noninterest income to average assets | 1.1703% | 1,017 |
| Noninterest expense to average assets | 4.1955% | 836 |
| Loan and lease loss provision to assets | 0.1970% | 5,068 |
| Net operating income to assets | 0.3618% | 4,922 |
| Return on assets (ROA) | 0.3624% | 5,101 |
| Pretax return on assets | 0.5646% | 4,708 |
| Return on Equity (ROE) | 2.4085% | 5,461 |
| Retained earnings to average equity (ytd only) | 0.6632% | 5,539 |
| Net charge-offs to loans | 0.3840% | 3,756 |
| Credit loss provision to net charge-offs | 87.5486% | 4,871 |
| Earnings coverage of net charge-offs (x) | 3.3813% | 3,476 |
| Efficiency ratio | 84.6521% | 1,767 |
| Assets per employee ($millions) | 1.9651% | 7,533 |
| Cash dividends to net income (ytd only)* | 72.4633% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 5,092 |
| Loan loss allowance to noncurrent loans | 20.7749% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 5.8840% | 1,021 |
| Noncurrent loans to loans | 6.1302% | 1,004 |
| Net loans and leases to total assets | 57.6892% | 5,302 |
| Net loans and leases to deposits | 69.7609% | 5,186 |
| Net loans and leases to core deposits | 74.1698% | 5,269 |
| Total domestic deposits to total assets | 82.6957% | 4,719 |
| Equity capital to assets | 15.2119% | 845 |
| Core capital (leverage) ratio | 15.0747% | 705 |
| Tier 1 risk-based capital ratio | 22.2798% | 1,169 |
| Total risk-based capital ratio | 23.3976% | 1,154 |
| Memoranda: | ||
| Average total assets | $152,317,250 | 3,892 |
| Average earning assets | $135,600,000 | 3,955 |
| Average equity | $22,918,500 | 2,817 |
| Average total loans | $89,239,750 | 4,138 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 4,906 |
| Cost of funding earning assets | 0.7183% | 7,153 |
| Net interest margin | 4.2908% | 1,812 |
| Noninterest income to average assets | 1.0481% | 1,225 |
| Noninterest expense to average assets | 4.0942% | 929 |
| Loan and lease loss provision to assets | 0.1965% | 4,901 |
| Net operating income to assets | 0.3714% | 4,888 |
| Return on assets (ROA) | 0.3747% | 5,038 |
| Pretax return on assets | 0.5817% | 4,619 |
| Return on Equity (ROE) | 2.4994% | 5,462 |
| Retained earnings to average equity (ytd only) | 0.7516% | 5,464 |
| Net charge-offs to loans | 0.2547% | 4,077 |
| Credit loss provision to net charge-offs | 131.5789% | 3,059 |
| Earnings coverage of net charge-offs (x) | 5.1754% | 2,732 |
| Efficiency ratio | 84.1184% | 1,907 |
| Assets per employee ($millions) | 2.0757% | 7,536 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,719 |
| Loan loss allowance to noncurrent loans | 21.7012% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 5.8564% | 1,020 |
| Noncurrent loans to loans | 6.1872% | 1,015 |
| Net loans and leases to total assets | 57.8983% | 5,434 |
| Net loans and leases to deposits | 70.2224% | 5,240 |
| Net loans and leases to core deposits | 74.3905% | 5,400 |
| Total domestic deposits to total assets | 82.4499% | 4,800 |
| Equity capital to assets | 15.2713% | 826 |
| Core capital (leverage) ratio | 14.9866% | 722 |
| Tier 1 risk-based capital ratio | 22.1189% | 1,183 |
| Total risk-based capital ratio | 23.2905% | 1,170 |
| Memoranda: | ||
| Average total assets | $152,653,330 | 3,910 |
| Average earning assets | $135,871,670 | 3,978 |
| Average equity | $22,885,670 | 2,810 |
| Average total loans | $89,514,670 | 4,157 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 4,962 |
| Cost of funding earning assets | 0.7767% | 7,157 |
| Net interest margin | 4.2354% | 1,908 |
| Noninterest income to average assets | 1.0364% | 1,188 |
| Noninterest expense to average assets | 4.2032% | 804 |
| Loan and lease loss provision to assets | 0.1958% | 4,547 |
| Net operating income to assets | 0.2611% | 5,446 |
| Return on assets (ROA) | 0.2611% | 5,572 |
| Pretax return on assets | 0.4099% | 5,263 |
| Return on Equity (ROE) | 1.7576% | 5,862 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.4276% | 2,764 |
| Credit loss provision to net charge-offs | 78.1250% | 3,928 |
| Earnings coverage of net charge-offs (x) | 2.4167% | 3,336 |
| Efficiency ratio | 87.4050% | 1,648 |
| Assets per employee ($millions) | 2.1256% | 7,597 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 5,052 |
| Loan loss allowance to noncurrent loans | 22.6269% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 5.4116% | 1,149 |
| Noncurrent loans to loans | 5.6504% | 1,213 |
| Net loans and leases to total assets | 56.5800% | 5,664 |
| Net loans and leases to deposits | 68.3349% | 5,551 |
| Net loans and leases to core deposits | 72.2727% | 5,679 |
| Total domestic deposits to total assets | 82.7980% | 4,719 |
| Equity capital to assets | 14.7131% | 953 |
| Core capital (leverage) ratio | 14.9119% | 763 |
| Tier 1 risk-based capital ratio | 22.0279% | 1,199 |
| Total risk-based capital ratio | 23.1442% | 1,202 |
| Memoranda: | ||
| Average total assets | $153,217,000 | 3,956 |
| Average earning assets | $136,468,000 | 4,024 |
| Average equity | $22,758,500 | 2,843 |
| Average total loans | $89,809,500 | 4,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 5,881 |
| Cost of funding earning assets | 1.0343% | 7,138 |
| Net interest margin | 4.1151% | 2,389 |
| Noninterest income to average assets | 1.2345% | 992 |
| Noninterest expense to average assets | 4.3208% | 965 |
| Loan and lease loss provision to assets | 0.3035% | 5,003 |
| Net operating income to assets | 0.2015% | 4,899 |
| Return on assets (ROA) | 0.2019% | 4,961 |
| Pretax return on assets | 0.3150% | 4,720 |
| Return on Equity (ROE) | 1.3592% | 5,128 |
| Retained earnings to average equity (ytd only) | -0.3613% | 5,049 |
| Net charge-offs to loans | 0.3928% | 4,250 |
| Credit loss provision to net charge-offs | 129.7814% | 3,944 |
| Earnings coverage of net charge-offs (x) | 2.6421% | 3,795 |
| Efficiency ratio | 87.4887% | 1,930 |
| Assets per employee ($millions) | 2.0721% | 7,687 |
| Cash dividends to net income (ytd only)* | 126.5823% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 4,889 |
| Loan loss allowance to noncurrent loans | 23.2483% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 5.5240% | 1,064 |
| Noncurrent loans to loans | 5.4925% | 1,179 |
| Net loans and leases to total assets | 59.1871% | 5,465 |
| Net loans and leases to deposits | 71.4212% | 5,415 |
| Net loans and leases to core deposits | 81.7992% | 5,931 |
| Total domestic deposits to total assets | 82.8706% | 4,575 |
| Equity capital to assets | 14.9981% | 911 |
| Core capital (leverage) ratio | 14.9822% | 793 |
| Tier 1 risk-based capital ratio | 21.7015% | 1,187 |
| Total risk-based capital ratio | 22.8003% | 1,183 |
| Memoranda: | ||
| Average total assets | $156,499,600 | 3,844 |
| Average earning assets | $140,871,000 | 3,884 |
| Average equity | $23,248,400 | 2,802 |
| Average total loans | $93,186,600 | 4,124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 6,065 |
| Cost of funding earning assets | 1.0918% | 7,193 |
| Net interest margin | 4.0685% | 2,517 |
| Noninterest income to average assets | 1.2504% | 986 |
| Noninterest expense to average assets | 4.3453% | 859 |
| Loan and lease loss provision to assets | 0.2746% | 4,775 |
| Net operating income to assets | 0.1958% | 5,174 |
| Return on assets (ROA) | 0.1969% | 5,247 |
| Pretax return on assets | 0.3033% | 5,055 |
| Return on Equity (ROE) | 1.3282% | 5,398 |
| Retained earnings to average equity (ytd only) | -0.3819% | 5,313 |
| Net charge-offs to loans | 0.3653% | 3,823 |
| Credit loss provision to net charge-offs | 126.4591% | 3,976 |
| Earnings coverage of net charge-offs (x) | 2.6537% | 3,897 |
| Efficiency ratio | 88.2918% | 1,840 |
| Assets per employee ($millions) | 2.0111% | 7,794 |
| Cash dividends to net income (ytd only)* | 128.7549% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,162 |
| Loan loss allowance to noncurrent loans | 17.9611% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 5.3179% | 1,093 |
| Noncurrent loans to loans | 6.6392% | 855 |
| Net loans and leases to total assets | 60.5557% | 5,492 |
| Net loans and leases to deposits | 73.8913% | 5,378 |
| Net loans and leases to core deposits | 82.1716% | 6,170 |
| Total domestic deposits to total assets | 81.9525% | 4,695 |
| Equity capital to assets | 15.1452% | 960 |
| Core capital (leverage) ratio | 14.6772% | 920 |
| Tier 1 risk-based capital ratio | 21.5432% | 1,281 |
| Total risk-based capital ratio | 22.5911% | 1,290 |
| Memoranda: | ||
| Average total assets | $157,808,000 | 3,833 |
| Average earning assets | $142,392,750 | 3,882 |
| Average equity | $23,388,750 | 2,820 |
| Average total loans | $93,811,250 | 4,152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 6,465 |
| Cost of funding earning assets | 1.1269% | 7,311 |
| Net interest margin | 3.9657% | 2,841 |
| Noninterest income to average assets | 1.2153% | 1,050 |
| Noninterest expense to average assets | 4.2668% | 993 |
| Loan and lease loss provision to assets | 0.1881% | 5,152 |
| Net operating income to assets | 0.2228% | 5,181 |
| Return on assets (ROA) | 0.2245% | 5,264 |
| Pretax return on assets | 0.3424% | 5,091 |
| Return on Equity (ROE) | 1.5254% | 5,449 |
| Retained earnings to average equity (ytd only) | -0.1790% | 5,263 |
| Net charge-offs to loans | 0.0447% | 5,838 |
| Credit loss provision to net charge-offs | 714.2857% | 666 |
| Earnings coverage of net charge-offs (x) | 20.0476% | 1,332 |
| Efficiency ratio | 88.9877% | 1,906 |
| Assets per employee ($millions) | 2.1484% | 7,728 |
| Cash dividends to net income (ytd only)* | 111.7318% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 4,767 |
| Loan loss allowance to noncurrent loans | 20.5764% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 4.1500% | 1,396 |
| Noncurrent loans to loans | 5.9646% | 918 |
| Net loans and leases to total assets | 58.8369% | 5,857 |
| Net loans and leases to deposits | 70.8907% | 5,885 |
| Net loans and leases to core deposits | 81.8208% | 6,256 |
| Total domestic deposits to total assets | 82.9965% | 4,238 |
| Equity capital to assets | 14.3659% | 1,204 |
| Core capital (leverage) ratio | 14.1637% | 1,101 |
| Tier 1 risk-based capital ratio | 21.6416% | 1,310 |
| Total risk-based capital ratio | 22.7448% | 1,293 |
| Memoranda: | ||
| Average total assets | $159,463,670 | 3,836 |
| Average earning assets | $143,934,000 | 3,861 |
| Average equity | $23,469,000 | 2,815 |
| Average total loans | $93,858,000 | 4,174 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 5,901 |
| Cost of funding earning assets | 1.1691% | 7,370 |
| Net interest margin | 4.1285% | 2,175 |
| Noninterest income to average assets | 1.2759% | 880 |
| Noninterest expense to average assets | 4.2161% | 926 |
| Loan and lease loss provision to assets | 0.1891% | 4,550 |
| Net operating income to assets | 0.3824% | 4,935 |
| Return on assets (ROA) | 0.3908% | 5,071 |
| Pretax return on assets | 0.5875% | 4,793 |
| Return on Equity (ROE) | 2.6238% | 5,519 |
| Retained earnings to average equity (ytd only) | 0.9310% | 5,276 |
| Net charge-offs to loans | 0.0603% | 4,621 |
| Credit loss provision to net charge-offs | 535.7143% | 1,028 |
| Earnings coverage of net charge-offs (x) | 21.6429% | 1,333 |
| Efficiency ratio | 84.6582% | 2,230 |
| Assets per employee ($millions) | 2.0767% | 7,837 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 4,975 |
| Loan loss allowance to noncurrent loans | 29.4352% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 2.8571% | 1,993 |
| Noncurrent loans to loans | 3.9811% | 1,515 |
| Net loans and leases to total assets | 57.7929% | 5,975 |
| Net loans and leases to deposits | 69.7226% | 6,005 |
| Net loans and leases to core deposits | 81.9736% | 6,240 |
| Total domestic deposits to total assets | 82.8899% | 4,199 |
| Equity capital to assets | 14.4931% | 1,236 |
| Core capital (leverage) ratio | 14.6125% | 1,052 |
| Tier 1 risk-based capital ratio | 21.8573% | 1,318 |
| Total risk-based capital ratio | 22.9037% | 1,314 |
| Memoranda: | ||
| Average total assets | $158,629,500 | 3,854 |
| Average earning assets | $142,327,000 | 3,909 |
| Average equity | $23,629,500 | 2,808 |
| Average total loans | $92,795,500 | 4,237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2686% | 4,137 |
| Cost of funding earning assets | 1.5855% | 7,480 |
| Net interest margin | 4.6832% | 1,004 |
| Noninterest income to average assets | 1.2666% | 917 |
| Noninterest expense to average assets | 4.1011% | 1,280 |
| Loan and lease loss provision to assets | 0.2111% | 4,784 |
| Net operating income to assets | 0.7619% | 3,608 |
| Return on assets (ROA) | 0.7724% | 3,401 |
| Pretax return on assets | 1.1816% | 2,717 |
| Return on Equity (ROE) | 5.1858% | 4,290 |
| Retained earnings to average equity (ytd only) | 2.6846% | 3,506 |
| Net charge-offs to loans | 0.3771% | 2,956 |
| Credit loss provision to net charge-offs | 101.1905% | 5,249 |
| Earnings coverage of net charge-offs (x) | 6.5982% | 3,329 |
| Efficiency ratio | 74.8696% | 3,421 |
| Assets per employee ($millions) | 1.9410% | 7,959 |
| Cash dividends to net income (ytd only)* | 48.2315% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 4,718 |
| Loan loss allowance to noncurrent loans | 36.1458% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 1.9082% | 2,570 |
| Noncurrent loans to loans | 3.2608% | 1,604 |
| Net loans and leases to total assets | 57.8295% | 6,225 |
| Net loans and leases to deposits | 70.8212% | 6,191 |
| Net loans and leases to core deposits | 80.3100% | 6,595 |
| Total domestic deposits to total assets | 81.6556% | 4,339 |
| Equity capital to assets | 15.3163% | 1,084 |
| Core capital (leverage) ratio | 15.1120% | 1,004 |
| Tier 1 risk-based capital ratio | 22.8264% | 1,216 |
| Total risk-based capital ratio | 23.8676% | 1,212 |
| Memoranda: | ||
| Average total assets | $161,055,200 | 3,704 |
| Average earning assets | $144,816,800 | 3,742 |
| Average equity | $23,988,400 | 2,733 |
| Average total loans | $89,095,400 | 4,256 |