Home > First Port City Bank > Performance and Condition Ratios
First Port City Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0079% | 628 |
| Cost of funding earning assets | 2.0302% | 882 |
| Net interest margin | 3.9777% | 1,244 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 3.0071% | 1,118 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.8120% | 2,832 |
| Return on assets (ROA) | 0.8120% | 2,815 |
| Pretax return on assets | 1.0195% | 2,620 |
| Return on Equity (ROE) | 8.9800% | 2,762 |
| Retained earnings to average equity (ytd only) | 7.4217% | 1,747 |
| Net charge-offs to loans | -0.0132% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.1625% | 1,739 |
| Assets per employee ($millions) | 5.9831% | 2,839 |
| Cash dividends to net income (ytd only)* | 17.3901% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 1,568 |
| Loan loss allowance to noncurrent loans | 577.0968% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 2,267 |
| Noncurrent loans to loans | 0.2346% | 2,373 |
| Net loans and leases to total assets | 80.6800% | 564 |
| Net loans and leases to deposits | 89.1496% | 1,329 |
| Net loans and leases to core deposits | 103.8002% | 1,228 |
| Total domestic deposits to total assets | 90.5000% | 631 |
| Equity capital to assets | 8.8697% | 2,774 |
| Core capital (leverage) ratio | 9.8892% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4895% | 2,070 |
| Memoranda: | ||
| Average total assets | $451,097,000 | 1,856 |
| Average earning assets | $422,377,200 | 1,830 |
| Average equity | $40,772,400 | 1,863 |
| Average total loans | $355,669,400 | 1,594 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8720% | 631 |
| Cost of funding earning assets | 1.8936% | 871 |
| Net interest margin | 3.9784% | 1,256 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.0517% | 989 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.7719% | 3,106 |
| Return on assets (ROA) | 0.7719% | 3,096 |
| Pretax return on assets | 1.0155% | 2,809 |
| Return on Equity (ROE) | 8.5000% | 3,062 |
| Retained earnings to average equity (ytd only) | 6.9119% | 2,321 |
| Net charge-offs to loans | -0.0301% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.5456% | 1,618 |
| Assets per employee ($millions) | 5.7105% | 3,009 |
| Cash dividends to net income (ytd only)* | 18.6500% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,521 |
| Loan loss allowance to noncurrent loans | 1,477.9370% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,101 |
| Noncurrent loans to loans | 0.0935% | 3,106 |
| Net loans and leases to total assets | 78.5900% | 809 |
| Net loans and leases to deposits | 86.6875% | 1,494 |
| Net loans and leases to core deposits | 97.8081% | 1,456 |
| Total domestic deposits to total assets | 90.6600% | 759 |
| Equity capital to assets | 8.6462% | 2,631 |
| Core capital (leverage) ratio | 10.0881% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8890% | 1,939 |
| Memoranda: | ||
| Average total assets | $442,714,250 | 1,882 |
| Average earning assets | $414,161,500 | 1,858 |
| Average equity | $40,219,250 | 1,863 |
| Average total loans | $345,494,250 | 1,624 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 631 |
| Cost of funding earning assets | 1.7677% | 788 |
| Net interest margin | 3.9370% | 1,354 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 3.0714% | 933 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.8540% | 2,909 |
| Return on assets (ROA) | 0.8540% | 2,911 |
| Pretax return on assets | 1.1317% | 2,560 |
| Return on Equity (ROE) | 9.2400% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.6551% | 2,085 |
| Net charge-offs to loans | -0.0446% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.1253% | 1,649 |
| Assets per employee ($millions) | 5.4570% | 3,185 |
| Cash dividends to net income (ytd only)* | 17.1521% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 1,626 |
| Loan loss allowance to noncurrent loans | 3,916.5289% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,509 |
| Noncurrent loans to loans | 0.0351% | 3,486 |
| Net loans and leases to total assets | 77.8700% | 846 |
| Net loans and leases to deposits | 86.5066% | 1,459 |
| Net loans and leases to core deposits | 96.5230% | 1,436 |
| Total domestic deposits to total assets | 90.0200% | 916 |
| Equity capital to assets | 9.3495% | 2,269 |
| Core capital (leverage) ratio | 10.4474% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8506% | 1,611 |
| Memoranda: | ||
| Average total assets | $434,198,000 | 1,902 |
| Average earning assets | $405,941,333 | 1,895 |
| Average equity | $40,130,000 | 1,876 |
| Average total loans | $336,269,667 | 1,645 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5110% | 612 |
| Cost of funding earning assets | 1.5822% | 721 |
| Net interest margin | 3.9288% | 1,409 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.1915% | 810 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.8535% | 3,006 |
| Return on assets (ROA) | 0.8535% | 2,958 |
| Pretax return on assets | 1.0651% | 2,814 |
| Return on Equity (ROE) | 9.2900% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.6910% | 2,318 |
| Net charge-offs to loans | -0.0867% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9211% | 1,445 |
| Assets per employee ($millions) | 5.6263% | 3,098 |
| Cash dividends to net income (ytd only)* | 17.2078% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,669 |
| Loan loss allowance to noncurrent loans | 4,013.9130% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,525 |
| Noncurrent loans to loans | 0.0346% | 3,500 |
| Net loans and leases to total assets | 74.7400% | 1,111 |
| Net loans and leases to deposits | 82.8093% | 1,586 |
| Net loans and leases to core deposits | 89.7238% | 1,629 |
| Total domestic deposits to total assets | 90.2600% | 1,066 |
| Equity capital to assets | 9.2221% | 2,345 |
| Core capital (leverage) ratio | 10.2664% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0000% | 1,628 |
| Memoranda: | ||
| Average total assets | $433,018,500 | 1,931 |
| Average earning assets | $405,005,000 | 1,918 |
| Average equity | $39,787,000 | 1,910 |
| Average total loans | $332,055,500 | 1,678 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 794 |
| Cost of funding earning assets | 0.5455% | 1,131 |
| Net interest margin | 3.9083% | 938 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.9299% | 1,077 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 0.9193% | 2,882 |
| Return on assets (ROA) | 0.9196% | 2,829 |
| Pretax return on assets | 1.1645% | 2,551 |
| Return on Equity (ROE) | 11.4600% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.9582% | 1,167 |
| Net charge-offs to loans | 0.0017% | 2,495 |
| Credit loss provision to net charge-offs | 26,600.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,224.4000% | 145 |
| Efficiency ratio | 66.3330% | 2,176 |
| Assets per employee ($millions) | 5.3399% | 3,375 |
| Cash dividends to net income (ytd only)* | 13.1009% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 1,644 |
| Loan loss allowance to noncurrent loans | 3,731.4050% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,529 |
| Noncurrent loans to loans | 0.0365% | 3,518 |
| Net loans and leases to total assets | 76.5400% | 956 |
| Net loans and leases to deposits | 84.6338% | 1,411 |
| Net loans and leases to core deposits | 89.6519% | 1,520 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 9.1536% | 2,260 |
| Core capital (leverage) ratio | 10.4896% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8448% | 1,675 |
| Memoranda: | ||
| Average total assets | $411,681,800 | 1,981 |
| Average earning assets | $386,589,000 | 1,959 |
| Average equity | $33,038,000 | 2,197 |
| Average total loans | $301,765,200 | 1,714 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 887 |
| Cost of funding earning assets | 0.3839% | 1,409 |
| Net interest margin | 3.8199% | 921 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.9615% | 955 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 0.7243% | 3,499 |
| Return on assets (ROA) | 0.7248% | 3,447 |
| Pretax return on assets | 0.9870% | 3,057 |
| Return on Equity (ROE) | 9.3800% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.9478% | 2,021 |
| Net charge-offs to loans | -0.0009% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.4915% | 1,957 |
| Assets per employee ($millions) | 5.0884% | 3,605 |
| Cash dividends to net income (ytd only)* | 15.2458% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,671 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.2400% | 883 |
| Net loans and leases to deposits | 84.3895% | 1,272 |
| Net loans and leases to core deposits | 88.0657% | 1,407 |
| Total domestic deposits to total assets | 90.3400% | 1,509 |
| Equity capital to assets | 9.1495% | 2,118 |
| Core capital (leverage) ratio | 10.4665% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0491% | 1,697 |
| Memoranda: | ||
| Average total assets | $407,805,250 | 2,017 |
| Average earning assets | $383,455,250 | 1,988 |
| Average equity | $31,521,750 | 2,294 |
| Average total loans | $294,336,500 | 1,740 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 1,023 |
| Cost of funding earning assets | 0.3323% | 1,420 |
| Net interest margin | 3.6174% | 1,041 |
| Noninterest income to average assets | 0.8852% | 871 |
| Noninterest expense to average assets | 2.8820% | 1,025 |
| Loan and lease loss provision to assets | 0.4460% | 119 |
| Net operating income to assets | 0.7075% | 3,288 |
| Return on assets (ROA) | 0.7082% | 3,236 |
| Pretax return on assets | 0.9783% | 2,806 |
| Return on Equity (ROE) | 9.7589% | 2,420 |
| Retained earnings to average equity (ytd only) | 8.2461% | 1,533 |
| Net charge-offs to loans | -0.0007% | 3,007 |
| Credit loss provision to net charge-offs | -91,000.0000% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9399% | 2,389 |
| Assets per employee ($millions) | 5.3754% | 3,367 |
| Cash dividends to net income (ytd only)* | 15.5017% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,067 |
| Loan loss allowance to noncurrent loans | 16,404.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,985 |
| Noncurrent loans to loans | 0.0081% | 3,936 |
| Net loans and leases to total assets | 74.7123% | 837 |
| Net loans and leases to deposits | 80.7589% | 1,331 |
| Net loans and leases to core deposits | 83.7902% | 1,465 |
| Total domestic deposits to total assets | 92.5127% | 648 |
| Equity capital to assets | 6.9906% | 3,779 |
| Core capital (leverage) ratio | 7.7799% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7922% | 2,865 |
| Memoranda: | ||
| Average total assets | $408,049,333 | 2,020 |
| Average earning assets | $385,797,000 | 2,000 |
| Average equity | $29,614,000 | 2,436 |
| Average total loans | $287,555,000 | 1,767 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 1,249 |
| Cost of funding earning assets | 0.3127% | 1,537 |
| Net interest margin | 3.3986% | 1,299 |
| Noninterest income to average assets | 0.6699% | 1,414 |
| Noninterest expense to average assets | 2.6071% | 1,581 |
| Loan and lease loss provision to assets | 0.4022% | 130 |
| Net operating income to assets | 0.6699% | 3,160 |
| Return on assets (ROA) | 0.6699% | 3,143 |
| Pretax return on assets | 0.8798% | 2,857 |
| Return on Equity (ROE) | 9.0639% | 2,297 |
| Retained earnings to average equity (ytd only) | 7.5776% | 1,708 |
| Net charge-offs to loans | -0.0029% | 3,175 |
| Credit loss provision to net charge-offs | -20,500.0000% | 3,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0366% | 2,628 |
| Assets per employee ($millions) | 5.6201% | 3,215 |
| Cash dividends to net income (ytd only)* | 16.3982% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,588 |
| Loan loss allowance to noncurrent loans | 2,502.0833% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,695 |
| Noncurrent loans to loans | 0.0501% | 3,622 |
| Net loans and leases to total assets | 68.3060% | 1,183 |
| Net loans and leases to deposits | 74.8061% | 1,537 |
| Net loans and leases to core deposits | 77.6232% | 1,646 |
| Total domestic deposits to total assets | 91.3107% | 881 |
| Equity capital to assets | 7.0692% | 4,180 |
| Core capital (leverage) ratio | 7.6805% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1498% | 2,857 |
| Memoranda: | ||
| Average total assets | $407,807,000 | 2,029 |
| Average earning assets | $386,271,500 | 2,001 |
| Average equity | $30,141,500 | 2,478 |
| Average total loans | $276,669,500 | 1,808 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 666 |
| Cost of funding earning assets | 0.4149% | 1,441 |
| Net interest margin | 4.0231% | 675 |
| Noninterest income to average assets | 0.7392% | 1,623 |
| Noninterest expense to average assets | 2.9605% | 1,047 |
| Loan and lease loss provision to assets | 0.1897% | 585 |
| Net operating income to assets | 1.0810% | 2,365 |
| Return on assets (ROA) | 1.0842% | 2,425 |
| Pretax return on assets | 1.3679% | 2,151 |
| Return on Equity (ROE) | 13.8097% | 1,244 |
| Retained earnings to average equity (ytd only) | 12.2670% | 506 |
| Net charge-offs to loans | -0.0012% | 3,301 |
| Credit loss provision to net charge-offs | -21,666.6667% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5848% | 2,323 |
| Assets per employee ($millions) | 5.9660% | 2,813 |
| Cash dividends to net income (ytd only)* | 11.1709% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,881 |
| Loan loss allowance to noncurrent loans | 11,003.4483% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,092 |
| Noncurrent loans to loans | 0.0109% | 4,012 |
| Net loans and leases to total assets | 65.6621% | 1,512 |
| Net loans and leases to deposits | 72.4387% | 1,869 |
| Net loans and leases to core deposits | 75.6876% | 1,943 |
| Total domestic deposits to total assets | 90.6451% | 648 |
| Equity capital to assets | 7.7261% | 4,494 |
| Core capital (leverage) ratio | 8.1920% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9575% | 2,645 |
| Memoranda: | ||
| Average total assets | $342,647,400 | 2,231 |
| Average earning assets | $321,493,400 | 2,223 |
| Average equity | $26,901,400 | 2,730 |
| Average total loans | $244,211,800 | 1,966 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 494 |
| Cost of funding earning assets | 0.4357% | 1,450 |
| Net interest margin | 4.2559% | 496 |
| Noninterest income to average assets | 0.7304% | 1,732 |
| Noninterest expense to average assets | 3.0716% | 860 |
| Loan and lease loss provision to assets | 0.2314% | 420 |
| Net operating income to assets | 1.0166% | 2,847 |
| Return on assets (ROA) | 1.0207% | 2,898 |
| Pretax return on assets | 1.4105% | 2,293 |
| Return on Equity (ROE) | 12.9388% | 1,710 |
| Retained earnings to average equity (ytd only) | 11.3845% | 973 |
| Net charge-offs to loans | 0.0028% | 2,258 |
| Credit loss provision to net charge-offs | 11,400.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 806.2000% | 198 |
| Efficiency ratio | 65.2380% | 2,210 |
| Assets per employee ($millions) | 5.1782% | 3,526 |
| Cash dividends to net income (ytd only)* | 12.0127% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,929 |
| Loan loss allowance to noncurrent loans | 9,693.7500% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 4,181 |
| Noncurrent loans to loans | 0.0125% | 4,111 |
| Net loans and leases to total assets | 70.6753% | 1,022 |
| Net loans and leases to deposits | 78.3568% | 1,452 |
| Net loans and leases to core deposits | 82.1413% | 1,559 |
| Total domestic deposits to total assets | 90.1968% | 686 |
| Equity capital to assets | 7.8566% | 4,581 |
| Core capital (leverage) ratio | 7.9523% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1915% | 2,649 |
| Memoranda: | ||
| Average total assets | $328,378,000 | 2,329 |
| Average earning assets | $306,924,000 | 2,325 |
| Average equity | $25,906,000 | 2,820 |
| Average total loans | $238,850,000 | 2,034 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 624 |
| Cost of funding earning assets | 0.4553% | 1,485 |
| Net interest margin | 4.1461% | 639 |
| Noninterest income to average assets | 0.5503% | 2,405 |
| Noninterest expense to average assets | 2.9974% | 987 |
| Loan and lease loss provision to assets | 0.1443% | 837 |
| Net operating income to assets | 0.9260% | 3,140 |
| Return on assets (ROA) | 0.9324% | 3,203 |
| Pretax return on assets | 1.2794% | 2,683 |
| Return on Equity (ROE) | 11.8010% | 2,133 |
| Retained earnings to average equity (ytd only) | 10.2842% | 1,318 |
| Net charge-offs to loans | 0.0017% | 2,153 |
| Credit loss provision to net charge-offs | 11,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 1,128.0000% | 112 |
| Efficiency ratio | 67.9227% | 1,888 |
| Assets per employee ($millions) | 4.7133% | 3,915 |
| Cash dividends to net income (ytd only)* | 12.8533% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,411 |
| Loan loss allowance to noncurrent loans | 8,378.7879% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,235 |
| Noncurrent loans to loans | 0.0131% | 4,174 |
| Net loans and leases to total assets | 76.3668% | 557 |
| Net loans and leases to deposits | 85.3647% | 956 |
| Net loans and leases to core deposits | 89.7569% | 1,155 |
| Total domestic deposits to total assets | 89.4594% | 1,049 |
| Equity capital to assets | 8.3679% | 4,310 |
| Core capital (leverage) ratio | 8.0852% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1034% | 2,679 |
| Memoranda: | ||
| Average total assets | $318,739,667 | 2,366 |
| Average earning assets | $296,956,000 | 2,371 |
| Average equity | $25,184,333 | 2,865 |
| Average total loans | $233,260,000 | 2,073 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 1,023 |
| Cost of funding earning assets | 0.4923% | 1,439 |
| Net interest margin | 3.8210% | 1,096 |
| Noninterest income to average assets | 0.4716% | 2,742 |
| Noninterest expense to average assets | 2.8311% | 1,307 |
| Loan and lease loss provision to assets | 0.1141% | 1,206 |
| Net operating income to assets | 0.8710% | 3,206 |
| Return on assets (ROA) | 0.8710% | 3,290 |
| Pretax return on assets | 1.0789% | 3,169 |
| Return on Equity (ROE) | 11.3697% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.7975% | 1,711 |
| Net charge-offs to loans | -0.0018% | 3,117 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3529% | 1,659 |
| Assets per employee ($millions) | 5.2922% | 3,344 |
| Cash dividends to net income (ytd only)* | 13.8282% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,159 |
| Loan loss allowance to noncurrent loans | 1,574.2515% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,016 |
| Noncurrent loans to loans | 0.0735% | 3,922 |
| Net loans and leases to total assets | 68.4581% | 1,468 |
| Net loans and leases to deposits | 75.7382% | 1,939 |
| Net loans and leases to core deposits | 79.7785% | 2,027 |
| Total domestic deposits to total assets | 90.3879% | 622 |
| Equity capital to assets | 7.4026% | 4,744 |
| Core capital (leverage) ratio | 7.7662% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6143% | 2,443 |
| Memoranda: | ||
| Average total assets | $315,499,500 | 2,373 |
| Average earning assets | $293,328,000 | 2,371 |
| Average equity | $24,169,500 | 2,916 |
| Average total loans | $224,327,500 | 2,122 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 1,049 |
| Cost of funding earning assets | 0.9021% | 851 |
| Net interest margin | 3.7259% | 1,722 |
| Noninterest income to average assets | 0.5264% | 2,521 |
| Noninterest expense to average assets | 2.9766% | 1,490 |
| Loan and lease loss provision to assets | 0.1323% | 2,709 |
| Net operating income to assets | 0.6950% | 3,452 |
| Return on assets (ROA) | 0.7010% | 3,564 |
| Pretax return on assets | 0.8712% | 3,446 |
| Return on Equity (ROE) | 9.1744% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.9651% | 1,410 |
| Net charge-offs to loans | 0.0608% | 1,907 |
| Credit loss provision to net charge-offs | 300.8130% | 1,723 |
| Earnings coverage of net charge-offs (x) | 22.6423% | 1,843 |
| Efficiency ratio | 74.9280% | 1,344 |
| Assets per employee ($millions) | 4.9653% | 3,425 |
| Cash dividends to net income (ytd only)* | 24.0816% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,225 |
| Loan loss allowance to noncurrent loans | 4,880.7692% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,135 |
| Noncurrent loans to loans | 0.0235% | 4,236 |
| Net loans and leases to total assets | 72.2609% | 1,260 |
| Net loans and leases to deposits | 80.7382% | 1,788 |
| Net loans and leases to core deposits | 86.2863% | 1,845 |
| Total domestic deposits to total assets | 89.5002% | 770 |
| Equity capital to assets | 7.9404% | 4,731 |
| Core capital (leverage) ratio | 7.7625% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9684% | 2,636 |
| Memoranda: | ||
| Average total assets | $279,613,400 | 2,399 |
| Average earning assets | $258,624,000 | 2,414 |
| Average equity | $21,363,800 | 3,067 |
| Average total loans | $202,347,600 | 2,214 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 924 |
| Cost of funding earning assets | 0.9902% | 791 |
| Net interest margin | 3.7830% | 1,671 |
| Noninterest income to average assets | 0.4821% | 2,689 |
| Noninterest expense to average assets | 2.9252% | 1,631 |
| Loan and lease loss provision to assets | 0.1362% | 2,653 |
| Net operating income to assets | 0.7883% | 3,134 |
| Return on assets (ROA) | 0.7938% | 3,233 |
| Pretax return on assets | 0.9282% | 3,302 |
| Return on Equity (ROE) | 10.5029% | 1,845 |
| Retained earnings to average equity (ytd only) | 8.0737% | 1,284 |
| Net charge-offs to loans | 0.0897% | 1,406 |
| Credit loss provision to net charge-offs | 210.5263% | 2,069 |
| Earnings coverage of net charge-offs (x) | 16.3383% | 2,062 |
| Efficiency ratio | 73.4352% | 1,469 |
| Assets per employee ($millions) | 5.1508% | 3,065 |
| Cash dividends to net income (ytd only)* | 23.1288% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,353 |
| Loan loss allowance to noncurrent loans | 1,846.9697% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,975 |
| Noncurrent loans to loans | 0.0580% | 4,143 |
| Net loans and leases to total assets | 75.3157% | 1,187 |
| Net loans and leases to deposits | 83.7470% | 1,933 |
| Net loans and leases to core deposits | 89.8481% | 1,990 |
| Total domestic deposits to total assets | 89.9323% | 450 |
| Equity capital to assets | 7.4581% | 4,866 |
| Core capital (leverage) ratio | 7.3229% | 4,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4829% | 2,797 |
| Memoranda: | ||
| Average total assets | $273,796,000 | 2,409 |
| Average earning assets | $253,409,000 | 2,424 |
| Average equity | $20,692,250 | 3,120 |
| Average total loans | $197,583,500 | 2,256 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,352 |
| Cost of funding earning assets | 1.1197% | 671 |
| Net interest margin | 3.6035% | 2,470 |
| Noninterest income to average assets | 0.3330% | 3,474 |
| Noninterest expense to average assets | 2.9788% | 1,637 |
| Loan and lease loss provision to assets | 0.0979% | 3,054 |
| Net operating income to assets | 0.4658% | 4,097 |
| Return on assets (ROA) | 0.4739% | 4,144 |
| Pretax return on assets | 0.5778% | 4,099 |
| Return on Equity (ROE) | 6.2393% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.4420% | 3,204 |
| Net charge-offs to loans | 0.0704% | 1,545 |
| Credit loss provision to net charge-offs | 196.9697% | 1,940 |
| Earnings coverage of net charge-offs (x) | 13.3939% | 1,997 |
| Efficiency ratio | 81.7280% | 773 |
| Assets per employee ($millions) | 4.9469% | 3,242 |
| Cash dividends to net income (ytd only)* | 44.8331% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 2,907 |
| Loan loss allowance to noncurrent loans | 1,669.5035% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,285 |
| Noncurrent loans to loans | 0.0674% | 4,196 |
| Net loans and leases to total assets | 72.1367% | 1,680 |
| Net loans and leases to deposits | 80.0871% | 2,413 |
| Net loans and leases to core deposits | 86.8329% | 2,368 |
| Total domestic deposits to total assets | 90.0728% | 383 |
| Equity capital to assets | 7.1379% | 4,949 |
| Core capital (leverage) ratio | 7.2609% | 4,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1309% | 2,930 |
| Memoranda: | ||
| Average total assets | $265,478,667 | 2,439 |
| Average earning assets | $243,988,333 | 2,462 |
| Average equity | $20,162,667 | 3,157 |
| Average total loans | $187,630,667 | 2,326 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 1,921 |
| Cost of funding earning assets | 1.2127% | 740 |
| Net interest margin | 3.4138% | 3,256 |
| Noninterest income to average assets | 0.3172% | 3,618 |
| Noninterest expense to average assets | 2.9424% | 2,026 |
| Loan and lease loss provision to assets | 0.0471% | 3,191 |
| Net operating income to assets | 0.3564% | 4,230 |
| Return on assets (ROA) | 0.3564% | 4,263 |
| Pretax return on assets | 0.4349% | 4,229 |
| Return on Equity (ROE) | 4.5391% | 3,807 |
| Retained earnings to average equity (ytd only) | 0.7798% | 3,794 |
| Net charge-offs to loans | -0.0023% | 3,678 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9239% | 715 |
| Assets per employee ($millions) | 4.6102% | 3,116 |
| Cash dividends to net income (ytd only)* | 82.8194% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,043 |
| Loan loss allowance to noncurrent loans | 1,240.6417% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,239 |
| Noncurrent loans to loans | 0.1065% | 4,089 |
| Net loans and leases to total assets | 67.0942% | 2,691 |
| Net loans and leases to deposits | 75.3684% | 3,133 |
| Net loans and leases to core deposits | 83.3299% | 2,906 |
| Total domestic deposits to total assets | 89.0216% | 653 |
| Equity capital to assets | 7.8626% | 4,996 |
| Core capital (leverage) ratio | 7.7149% | 5,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1745% | 3,050 |
| Memoranda: | ||
| Average total assets | $254,758,500 | 2,466 |
| Average earning assets | $231,879,000 | 2,490 |
| Average equity | $20,004,000 | 3,173 |
| Average total loans | $176,782,000 | 2,391 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 1,611 |
| Cost of funding earning assets | 1.0700% | 1,434 |
| Net interest margin | 3.8799% | 2,240 |
| Noninterest income to average assets | 0.3293% | 3,731 |
| Noninterest expense to average assets | 3.0263% | 1,951 |
| Loan and lease loss provision to assets | 0.0500% | 3,021 |
| Net operating income to assets | 0.6736% | 3,942 |
| Return on assets (ROA) | 0.6901% | 3,964 |
| Pretax return on assets | 0.8456% | 3,891 |
| Return on Equity (ROE) | 7.8122% | 3,244 |
| Retained earnings to average equity (ytd only) | 3.9499% | 2,986 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5589% | 1,199 |
| Assets per employee ($millions) | 4.4096% | 3,359 |
| Cash dividends to net income (ytd only)* | 49.4397% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 1,986 |
| Loan loss allowance to noncurrent loans | 1,157.0707% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,246 |
| Noncurrent loans to loans | 0.1112% | 4,082 |
| Net loans and leases to total assets | 69.9177% | 2,407 |
| Net loans and leases to deposits | 78.6224% | 2,946 |
| Net loans and leases to core deposits | 85.1698% | 2,858 |
| Total domestic deposits to total assets | 88.9285% | 696 |
| Equity capital to assets | 7.8414% | 5,075 |
| Core capital (leverage) ratio | 8.5747% | 4,799 |
| Tier 1 risk-based capital ratio | 10.7784% | 4,936 |
| Total risk-based capital ratio | 12.0273% | 4,841 |
| Memoranda: | ||
| Average total assets | $219,837,000 | 2,662 |
| Average earning assets | $202,429,800 | 2,688 |
| Average equity | $19,418,400 | 3,176 |
| Average total loans | $158,100,000 | 2,533 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 1,501 |
| Cost of funding earning assets | 1.0561% | 1,516 |
| Net interest margin | 3.9561% | 2,086 |
| Noninterest income to average assets | 0.3340% | 3,740 |
| Noninterest expense to average assets | 2.9256% | 2,178 |
| Loan and lease loss provision to assets | 0.0503% | 2,891 |
| Net operating income to assets | 0.8317% | 3,570 |
| Return on assets (ROA) | 0.8536% | 3,585 |
| Pretax return on assets | 1.0587% | 3,419 |
| Return on Equity (ROE) | 9.3524% | 2,737 |
| Retained earnings to average equity (ytd only) | 5.4791% | 2,634 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0027% | 1,697 |
| Assets per employee ($millions) | 3.9993% | 3,904 |
| Cash dividends to net income (ytd only)* | 41.4146% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,655 |
| Loan loss allowance to noncurrent loans | 1,076.1905% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,222 |
| Noncurrent loans to loans | 0.1281% | 4,078 |
| Net loans and leases to total assets | 74.8819% | 1,669 |
| Net loans and leases to deposits | 86.1155% | 2,176 |
| Net loans and leases to core deposits | 93.9658% | 2,183 |
| Total domestic deposits to total assets | 86.9552% | 1,542 |
| Equity capital to assets | 9.1548% | 4,696 |
| Core capital (leverage) ratio | 9.0869% | 4,566 |
| Tier 1 risk-based capital ratio | 11.7765% | 4,535 |
| Total risk-based capital ratio | 13.0261% | 4,427 |
| Memoranda: | ||
| Average total assets | $211,959,500 | 2,752 |
| Average earning assets | $196,819,500 | 2,755 |
| Average equity | $19,345,750 | 3,209 |
| Average total loans | $153,118,250 | 2,613 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 1,522 |
| Cost of funding earning assets | 1.0205% | 1,595 |
| Net interest margin | 3.9637% | 2,046 |
| Noninterest income to average assets | 0.3380% | 3,672 |
| Noninterest expense to average assets | 2.7879% | 2,637 |
| Loan and lease loss provision to assets | 0.0475% | 2,868 |
| Net operating income to assets | 0.9554% | 3,079 |
| Return on assets (ROA) | 0.9562% | 3,148 |
| Pretax return on assets | 1.1879% | 2,947 |
| Return on Equity (ROE) | 10.4874% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.5820% | 2,013 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3107% | 2,330 |
| Assets per employee ($millions) | 4.1643% | 3,628 |
| Cash dividends to net income (ytd only)* | 37.2393% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,421 |
| Loan loss allowance to noncurrent loans | 1,018.2648% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,240 |
| Noncurrent loans to loans | 0.1423% | 4,048 |
| Net loans and leases to total assets | 71.3980% | 2,305 |
| Net loans and leases to deposits | 82.2891% | 2,698 |
| Net loans and leases to core deposits | 89.6591% | 2,626 |
| Total domestic deposits to total assets | 86.7648% | 1,700 |
| Equity capital to assets | 9.2490% | 4,614 |
| Core capital (leverage) ratio | 9.0459% | 4,596 |
| Tier 1 risk-based capital ratio | 12.2373% | 4,277 |
| Total risk-based capital ratio | 13.4876% | 4,146 |
| Memoranda: | ||
| Average total assets | $210,624,670 | 2,780 |
| Average earning assets | $195,778,000 | 2,774 |
| Average equity | $19,204,000 | 3,232 |
| Average total loans | $149,498,330 | 2,663 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 1,733 |
| Cost of funding earning assets | 0.9482% | 1,803 |
| Net interest margin | 3.9114% | 2,152 |
| Noninterest income to average assets | 0.3261% | 3,672 |
| Noninterest expense to average assets | 2.3915% | 3,786 |
| Loan and lease loss provision to assets | 0.0381% | 2,863 |
| Net operating income to assets | 1.2457% | 1,907 |
| Return on assets (ROA) | 1.2472% | 1,946 |
| Pretax return on assets | 1.5485% | 1,614 |
| Return on Equity (ROE) | 13.7797% | 1,016 |
| Retained earnings to average equity (ytd only) | 9.8396% | 1,077 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1439% | 3,785 |
| Assets per employee ($millions) | 5.1585% | 2,325 |
| Cash dividends to net income (ytd only)* | 28.5933% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,404 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,378 |
| Noncurrent loans to loans | 0.1255% | 4,174 |
| Net loans and leases to total assets | 67.7792% | 2,784 |
| Net loans and leases to deposits | 77.8544% | 3,073 |
| Net loans and leases to core deposits | 84.2043% | 3,010 |
| Total domestic deposits to total assets | 87.0589% | 1,782 |
| Equity capital to assets | 8.9205% | 4,738 |
| Core capital (leverage) ratio | 9.2581% | 4,401 |
| Tier 1 risk-based capital ratio | 12.8585% | 3,951 |
| Total risk-based capital ratio | 14.1107% | 3,846 |
| Memoranda: | ||
| Average total assets | $209,747,000 | 2,809 |
| Average earning assets | $195,738,000 | 2,800 |
| Average equity | $18,984,500 | 3,264 |
| Average total loans | $147,315,000 | 2,720 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 1,138 |
| Cost of funding earning assets | 0.8131% | 1,459 |
| Net interest margin | 4.1442% | 1,542 |
| Noninterest income to average assets | 0.3761% | 3,577 |
| Noninterest expense to average assets | 2.3839% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4736% | 1,194 |
| Return on assets (ROA) | 1.4969% | 1,114 |
| Pretax return on assets | 1.9152% | 689 |
| Return on Equity (ROE) | 14.7076% | 898 |
| Retained earnings to average equity (ytd only) | 0.5099% | 4,851 |
| Net charge-offs to loans | 0.0021% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,175.0000% | 92 |
| Efficiency ratio | 55.8326% | 4,429 |
| Assets per employee ($millions) | 5.4821% | 1,970 |
| Cash dividends to net income (ytd only)* | 96.5332% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,304 |
| Loan loss allowance to noncurrent loans | 1,452.6667% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 4,452 |
| Noncurrent loans to loans | 0.1030% | 4,271 |
| Net loans and leases to total assets | 70.6985% | 2,460 |
| Net loans and leases to deposits | 81.6677% | 2,773 |
| Net loans and leases to core deposits | 88.0923% | 2,746 |
| Total domestic deposits to total assets | 86.5685% | 1,979 |
| Equity capital to assets | 9.1907% | 4,415 |
| Core capital (leverage) ratio | 9.7433% | 3,864 |
| Tier 1 risk-based capital ratio | 12.8771% | 3,920 |
| Total risk-based capital ratio | 14.1301% | 3,812 |
| Memoranda: | ||
| Average total assets | $186,924,000 | 2,989 |
| Average earning assets | $175,619,400 | 2,972 |
| Average equity | $19,024,200 | 3,181 |
| Average total loans | $144,578,000 | 2,717 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 1,043 |
| Cost of funding earning assets | 0.7829% | 1,420 |
| Net interest margin | 4.1677% | 1,449 |
| Noninterest income to average assets | 0.3761% | 3,626 |
| Noninterest expense to average assets | 2.3292% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5196% | 1,151 |
| Return on assets (ROA) | 1.5501% | 1,067 |
| Pretax return on assets | 2.0078% | 608 |
| Return on Equity (ROE) | 14.8325% | 914 |
| Retained earnings to average equity (ytd only) | -2.5523% | 5,227 |
| Net charge-offs to loans | -0.0009% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1879% | 4,595 |
| Assets per employee ($millions) | 5.0438% | 2,416 |
| Cash dividends to net income (ytd only)* | 117.2074% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,585 |
| Loan loss allowance to noncurrent loans | 1,081.1881% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 4,431 |
| Noncurrent loans to loans | 0.1324% | 4,284 |
| Net loans and leases to total assets | 80.5574% | 937 |
| Net loans and leases to deposits | 96.3760% | 1,109 |
| Net loans and leases to core deposits | 103.5764% | 1,485 |
| Total domestic deposits to total assets | 83.5865% | 3,091 |
| Equity capital to assets | 9.7470% | 3,875 |
| Core capital (leverage) ratio | 9.9853% | 3,653 |
| Tier 1 risk-based capital ratio | 12.0285% | 4,489 |
| Total risk-based capital ratio | 13.2813% | 4,368 |
| Memoranda: | ||
| Average total assets | $182,946,000 | 3,048 |
| Average earning assets | $172,175,500 | 3,028 |
| Average equity | $19,119,750 | 3,195 |
| Average total loans | $144,327,250 | 2,736 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 1,052 |
| Cost of funding earning assets | 0.7340% | 1,448 |
| Net interest margin | 4.1529% | 1,401 |
| Noninterest income to average assets | 0.3830% | 3,598 |
| Noninterest expense to average assets | 2.3388% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4909% | 1,184 |
| Return on assets (ROA) | 1.4979% | 1,161 |
| Pretax return on assets | 1.9513% | 683 |
| Return on Equity (ROE) | 14.0095% | 1,073 |
| Retained earnings to average equity (ytd only) | 10.1494% | 889 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6272% | 4,622 |
| Assets per employee ($millions) | 4.9349% | 2,499 |
| Cash dividends to net income (ytd only)* | 27.5533% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,339 |
| Loan loss allowance to noncurrent loans | 618.4136% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 4,021 |
| Noncurrent loans to loans | 0.2456% | 3,824 |
| Net loans and leases to total assets | 77.5152% | 1,392 |
| Net loans and leases to deposits | 93.4977% | 1,415 |
| Net loans and leases to core deposits | 100.3261% | 1,710 |
| Total domestic deposits to total assets | 82.9060% | 3,435 |
| Equity capital to assets | 10.7788% | 2,855 |
| Core capital (leverage) ratio | 10.8094% | 2,687 |
| Tier 1 risk-based capital ratio | 13.3813% | 3,685 |
| Total risk-based capital ratio | 14.6353% | 3,603 |
| Memoranda: | ||
| Average total assets | $181,721,000 | 3,077 |
| Average earning assets | $170,581,330 | 3,060 |
| Average equity | $19,429,670 | 3,176 |
| Average total loans | $141,596,000 | 2,777 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 1,131 |
| Cost of funding earning assets | 0.7011% | 1,435 |
| Net interest margin | 4.0746% | 1,502 |
| Noninterest income to average assets | 0.3685% | 3,674 |
| Noninterest expense to average assets | 2.2307% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4890% | 1,108 |
| Return on assets (ROA) | 1.4960% | 1,098 |
| Pretax return on assets | 1.9682% | 620 |
| Return on Equity (ROE) | 14.0489% | 1,004 |
| Retained earnings to average equity (ytd only) | 10.1741% | 1,110 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2385% | 4,862 |
| Assets per employee ($millions) | 4.9522% | 2,541 |
| Cash dividends to net income (ytd only)* | 27.5811% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 1,238 |
| Loan loss allowance to noncurrent loans | 1,086.0697% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 4,437 |
| Noncurrent loans to loans | 0.1441% | 4,318 |
| Net loans and leases to total assets | 74.9221% | 1,720 |
| Net loans and leases to deposits | 88.7781% | 1,835 |
| Net loans and leases to core deposits | 94.6981% | 2,080 |
| Total domestic deposits to total assets | 84.3925% | 3,151 |
| Equity capital to assets | 10.5407% | 3,037 |
| Core capital (leverage) ratio | 10.7372% | 2,701 |
| Tier 1 risk-based capital ratio | 13.3574% | 3,743 |
| Total risk-based capital ratio | 14.6114% | 3,655 |
| Memoranda: | ||
| Average total assets | $181,286,500 | 3,115 |
| Average earning assets | $170,028,500 | 3,096 |
| Average equity | $19,304,000 | 3,221 |
| Average total loans | $140,535,000 | 2,808 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 1,027 |
| Cost of funding earning assets | 0.5252% | 2,138 |
| Net interest margin | 4.2469% | 1,091 |
| Noninterest income to average assets | 0.3720% | 3,807 |
| Noninterest expense to average assets | 2.3768% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2343% | 1,412 |
| Return on assets (ROA) | 1.2569% | 1,364 |
| Pretax return on assets | 2.0002% | 492 |
| Return on Equity (ROE) | 10.9050% | 1,522 |
| Retained earnings to average equity (ytd only) | -4.3249% | 5,410 |
| Net charge-offs to loans | 0.0061% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 425.2500% | 200 |
| Efficiency ratio | 54.7426% | 4,882 |
| Assets per employee ($millions) | 5.1240% | 2,336 |
| Cash dividends to net income (ytd only)* | 139.6599% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 1,290 |
| Loan loss allowance to noncurrent loans | 1,331.0976% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,665 |
| Noncurrent loans to loans | 0.1158% | 4,465 |
| Net loans and leases to total assets | 77.7417% | 1,313 |
| Net loans and leases to deposits | 92.0545% | 1,518 |
| Net loans and leases to core deposits | 97.4509% | 1,902 |
| Total domestic deposits to total assets | 84.4519% | 3,054 |
| Equity capital to assets | 10.7583% | 2,887 |
| Core capital (leverage) ratio | 10.6551% | 2,694 |
| Tier 1 risk-based capital ratio | 12.8227% | 4,022 |
| Total risk-based capital ratio | 14.0758% | 3,914 |
| Memoranda: | ||
| Average total assets | $173,129,200 | 3,208 |
| Average earning assets | $161,834,000 | 3,176 |
| Average equity | $19,954,200 | 3,153 |
| Average total loans | $131,625,800 | 2,891 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 1,173 |
| Cost of funding earning assets | 0.5037% | 2,236 |
| Net interest margin | 4.1810% | 1,201 |
| Noninterest income to average assets | 0.3746% | 3,850 |
| Noninterest expense to average assets | 2.3445% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3057% | 1,311 |
| Return on assets (ROA) | 1.3358% | 1,263 |
| Pretax return on assets | 1.9769% | 573 |
| Return on Equity (ROE) | 11.3918% | 1,530 |
| Retained earnings to average equity (ytd only) | -7.5084% | 5,584 |
| Net charge-offs to loans | 0.0083% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 310.7704% | 298 |
| Efficiency ratio | 54.8147% | 4,870 |
| Assets per employee ($millions) | 4.6044% | 2,971 |
| Cash dividends to net income (ytd only)* | 165.9105% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 1,264 |
| Loan loss allowance to noncurrent loans | 808.1481% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,500 |
| Noncurrent loans to loans | 0.1965% | 4,295 |
| Net loans and leases to total assets | 77.2674% | 1,388 |
| Net loans and leases to deposits | 94.2000% | 1,278 |
| Net loans and leases to core deposits | 99.6066% | 1,736 |
| Total domestic deposits to total assets | 82.0248% | 3,773 |
| Equity capital to assets | 10.9551% | 2,902 |
| Core capital (leverage) ratio | 10.7566% | 2,697 |
| Tier 1 risk-based capital ratio | 13.1024% | 3,944 |
| Total risk-based capital ratio | 14.3558% | 3,846 |
| Memoranda: | ||
| Average total assets | $171,576,500 | 3,247 |
| Average earning assets | $160,148,000 | 3,224 |
| Average equity | $20,119,250 | 3,151 |
| Average total loans | $129,131,000 | 2,948 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,276 |
| Cost of funding earning assets | 0.4947% | 2,211 |
| Net interest margin | 4.0937% | 1,338 |
| Noninterest income to average assets | 0.3731% | 3,888 |
| Noninterest expense to average assets | 2.3726% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2493% | 1,443 |
| Return on assets (ROA) | 1.2954% | 1,330 |
| Pretax return on assets | 1.8739% | 700 |
| Return on Equity (ROE) | 10.8043% | 1,716 |
| Retained earnings to average equity (ytd only) | 5.8523% | 2,198 |
| Net charge-offs to loans | 0.0095% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 256.6667% | 332 |
| Efficiency ratio | 56.7659% | 4,735 |
| Assets per employee ($millions) | 4.5688% | 2,991 |
| Cash dividends to net income (ytd only)* | 45.8333% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 1,178 |
| Loan loss allowance to noncurrent loans | 1,065.8537% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 4,728 |
| Noncurrent loans to loans | 0.1538% | 4,499 |
| Net loans and leases to total assets | 75.5247% | 1,608 |
| Net loans and leases to deposits | 88.2235% | 1,957 |
| Net loans and leases to core deposits | 93.1357% | 2,232 |
| Total domestic deposits to total assets | 85.6062% | 2,569 |
| Equity capital to assets | 12.0663% | 1,884 |
| Core capital (leverage) ratio | 11.7504% | 1,796 |
| Tier 1 risk-based capital ratio | 14.7804% | 3,024 |
| Total risk-based capital ratio | 16.0349% | 2,955 |
| Memoranda: | ||
| Average total assets | $170,445,670 | 3,272 |
| Average earning assets | $158,489,000 | 3,263 |
| Average equity | $20,436,330 | 3,111 |
| Average total loans | $126,382,670 | 2,998 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 1,562 |
| Cost of funding earning assets | 0.4908% | 2,160 |
| Net interest margin | 3.9364% | 1,648 |
| Noninterest income to average assets | 0.3719% | 3,873 |
| Noninterest expense to average assets | 2.1793% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3440% | 1,128 |
| Return on assets (ROA) | 1.4426% | 931 |
| Pretax return on assets | 1.9756% | 530 |
| Return on Equity (ROE) | 12.0714% | 1,213 |
| Retained earnings to average equity (ytd only) | 8.0079% | 1,457 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2133% | 5,105 |
| Assets per employee ($millions) | 5.4131% | 1,970 |
| Cash dividends to net income (ytd only)* | 33.6617% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 1,006 |
| Loan loss allowance to noncurrent loans | 1,084.6535% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 4,125 |
| Noncurrent loans to loans | 0.1639% | 4,527 |
| Net loans and leases to total assets | 69.8767% | 2,406 |
| Net loans and leases to deposits | 81.4545% | 2,575 |
| Net loans and leases to core deposits | 85.4916% | 2,766 |
| Total domestic deposits to total assets | 85.7861% | 2,761 |
| Equity capital to assets | 11.7875% | 1,974 |
| Core capital (leverage) ratio | 11.8188% | 1,738 |
| Tier 1 risk-based capital ratio | 15.4172% | 2,788 |
| Total risk-based capital ratio | 16.6723% | 2,720 |
| Memoranda: | ||
| Average total assets | $168,860,500 | 3,325 |
| Average earning assets | $156,487,000 | 3,320 |
| Average equity | $20,180,000 | 3,148 |
| Average total loans | $122,920,000 | 3,074 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,127 |
| Cost of funding earning assets | 0.4633% | 2,416 |
| Net interest margin | 4.2025% | 1,109 |
| Noninterest income to average assets | 0.4053% | 3,834 |
| Noninterest expense to average assets | 2.3642% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4017% | 1,007 |
| Return on assets (ROA) | 1.3995% | 1,037 |
| Pretax return on assets | 1.9646% | 546 |
| Return on Equity (ROE) | 11.5073% | 1,400 |
| Retained earnings to average equity (ytd only) | 7.3247% | 1,104 |
| Net charge-offs to loans | -0.2354% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5770% | 5,191 |
| Assets per employee ($millions) | 5.1407% | 2,242 |
| Cash dividends to net income (ytd only)* | 36.3474% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 971 |
| Loan loss allowance to noncurrent loans | 1,052.8846% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 4,124 |
| Noncurrent loans to loans | 0.1696% | 4,555 |
| Net loans and leases to total assets | 73.2023% | 1,975 |
| Net loans and leases to deposits | 85.6253% | 2,230 |
| Net loans and leases to core deposits | 90.1104% | 2,493 |
| Total domestic deposits to total assets | 85.4915% | 2,836 |
| Equity capital to assets | 12.1226% | 1,727 |
| Core capital (leverage) ratio | 12.2603% | 1,448 |
| Tier 1 risk-based capital ratio | 15.2836% | 2,845 |
| Total risk-based capital ratio | 16.5395% | 2,775 |
| Memoranda: | ||
| Average total assets | $159,629,400 | 3,400 |
| Average earning assets | $149,149,000 | 3,379 |
| Average equity | $19,413,800 | 3,225 |
| Average total loans | $117,674,800 | 3,100 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,135 |
| Cost of funding earning assets | 0.4559% | 2,499 |
| Net interest margin | 4.2142% | 1,092 |
| Noninterest income to average assets | 0.4141% | 3,823 |
| Noninterest expense to average assets | 2.3508% | 4,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4111% | 1,051 |
| Return on assets (ROA) | 1.4081% | 1,106 |
| Pretax return on assets | 2.0116% | 556 |
| Return on Equity (ROE) | 11.5685% | 1,468 |
| Retained earnings to average equity (ytd only) | 7.2606% | 1,497 |
| Net charge-offs to loans | -0.0126% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8358% | 5,251 |
| Assets per employee ($millions) | 5.1381% | 2,209 |
| Cash dividends to net income (ytd only)* | 37.2387% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,601 |
| Loan loss allowance to noncurrent loans | 1,007.8534% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,950 |
| Noncurrent loans to loans | 0.1542% | 4,734 |
| Net loans and leases to total assets | 76.5671% | 1,428 |
| Net loans and leases to deposits | 93.9880% | 1,258 |
| Net loans and leases to core deposits | 99.3556% | 1,699 |
| Total domestic deposits to total assets | 81.4647% | 4,114 |
| Equity capital to assets | 12.5157% | 1,772 |
| Core capital (leverage) ratio | 12.2065% | 1,542 |
| Tier 1 risk-based capital ratio | 15.0070% | 3,045 |
| Total risk-based capital ratio | 16.2598% | 2,977 |
| Memoranda: | ||
| Average total assets | $158,411,000 | 3,427 |
| Average earning assets | $148,573,250 | 3,403 |
| Average equity | $19,281,750 | 3,258 |
| Average total loans | $116,441,000 | 3,133 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 1,177 |
| Cost of funding earning assets | 0.4423% | 2,639 |
| Net interest margin | 4.2034% | 1,109 |
| Noninterest income to average assets | 0.4123% | 3,796 |
| Noninterest expense to average assets | 2.3159% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4495% | 969 |
| Return on assets (ROA) | 1.4773% | 978 |
| Pretax return on assets | 2.0782% | 488 |
| Return on Equity (ROE) | 12.2535% | 1,225 |
| Retained earnings to average equity (ytd only) | 9.5363% | 705 |
| Net charge-offs to loans | -0.0281% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1804% | 5,374 |
| Assets per employee ($millions) | 4.7028% | 2,710 |
| Cash dividends to net income (ytd only)* | 22.1747% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,523 |
| Loan loss allowance to noncurrent loans | 1,021.1640% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 5,039 |
| Noncurrent loans to loans | 0.1569% | 4,808 |
| Net loans and leases to total assets | 74.1125% | 1,818 |
| Net loans and leases to deposits | 90.5149% | 1,694 |
| Net loans and leases to core deposits | 96.1298% | 1,967 |
| Total domestic deposits to total assets | 81.8788% | 4,033 |
| Equity capital to assets | 12.2905% | 1,910 |
| Core capital (leverage) ratio | 11.8327% | 1,740 |
| Tier 1 risk-based capital ratio | 14.9795% | 3,088 |
| Total risk-based capital ratio | 16.2329% | 3,030 |
| Memoranda: | ||
| Average total assets | $158,121,330 | 3,451 |
| Average earning assets | $148,310,000 | 3,430 |
| Average equity | $19,064,000 | 3,290 |
| Average total loans | $113,961,000 | 3,178 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 1,464 |
| Cost of funding earning assets | 0.4293% | 2,775 |
| Net interest margin | 4.0877% | 1,376 |
| Noninterest income to average assets | 0.4019% | 3,814 |
| Noninterest expense to average assets | 2.3684% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2313% | 1,446 |
| Return on assets (ROA) | 1.2313% | 1,556 |
| Pretax return on assets | 1.8368% | 794 |
| Return on Equity (ROE) | 10.3143% | 1,848 |
| Retained earnings to average equity (ytd only) | 9.9734% | 847 |
| Net charge-offs to loans | -0.0506% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3218% | 5,165 |
| Assets per employee ($millions) | 4.7102% | 2,726 |
| Cash dividends to net income (ytd only)* | 3.3058% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,493 |
| Loan loss allowance to noncurrent loans | 998.9637% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 5,100 |
| Noncurrent loans to loans | 0.1647% | 4,835 |
| Net loans and leases to total assets | 71.9676% | 2,045 |
| Net loans and leases to deposits | 82.5282% | 2,481 |
| Net loans and leases to core deposits | 87.2720% | 2,633 |
| Total domestic deposits to total assets | 87.2036% | 2,101 |
| Equity capital to assets | 11.9047% | 2,087 |
| Core capital (leverage) ratio | 11.6336% | 1,882 |
| Tier 1 risk-based capital ratio | 14.8479% | 3,223 |
| Total risk-based capital ratio | 16.1014% | 3,164 |
| Memoranda: | ||
| Average total assets | $157,234,000 | 3,475 |
| Average earning assets | $146,291,000 | 3,473 |
| Average equity | $18,770,000 | 3,335 |
| Average total loans | $110,725,000 | 3,230 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 1,934 |
| Cost of funding earning assets | 0.4131% | 3,019 |
| Net interest margin | 3.9772% | 1,795 |
| Noninterest income to average assets | 0.4193% | 3,902 |
| Noninterest expense to average assets | 2.3802% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1933% | 1,574 |
| Return on assets (ROA) | 1.1964% | 1,636 |
| Pretax return on assets | 1.7597% | 877 |
| Return on Equity (ROE) | 9.9455% | 2,030 |
| Retained earnings to average equity (ytd only) | 5.8676% | 1,859 |
| Net charge-offs to loans | 0.1512% | 1,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.7905% | 2,048 |
| Efficiency ratio | 57.5596% | 5,190 |
| Assets per employee ($millions) | 4.6764% | 2,763 |
| Cash dividends to net income (ytd only)* | 41.0028% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 1,069 |
| Loan loss allowance to noncurrent loans | 952.2388% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 5,075 |
| Noncurrent loans to loans | 0.1928% | 4,715 |
| Net loans and leases to total assets | 66.3254% | 2,941 |
| Net loans and leases to deposits | 75.9900% | 3,255 |
| Net loans and leases to core deposits | 79.8873% | 3,362 |
| Total domestic deposits to total assets | 87.2817% | 1,995 |
| Equity capital to assets | 11.9718% | 1,973 |
| Core capital (leverage) ratio | 11.9192% | 1,665 |
| Tier 1 risk-based capital ratio | 15.9691% | 2,701 |
| Total risk-based capital ratio | 17.2248% | 2,640 |
| Memoranda: | ||
| Average total assets | $150,027,600 | 3,572 |
| Average earning assets | $140,174,200 | 3,537 |
| Average equity | $18,048,400 | 3,377 |
| Average total loans | $97,906,200 | 3,422 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,150 |
| Cost of funding earning assets | 0.4195% | 3,015 |
| Net interest margin | 3.9066% | 2,007 |
| Noninterest income to average assets | 0.4288% | 3,874 |
| Noninterest expense to average assets | 2.4132% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1669% | 1,770 |
| Return on assets (ROA) | 1.1681% | 1,833 |
| Pretax return on assets | 1.6846% | 1,148 |
| Return on Equity (ROE) | 9.6978% | 2,222 |
| Retained earnings to average equity (ytd only) | 5.9599% | 2,274 |
| Net charge-offs to loans | -0.0761% | 5,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9161% | 5,016 |
| Assets per employee ($millions) | 5.2898% | 1,961 |
| Cash dividends to net income (ytd only)* | 38.5440% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0796% | 805 |
| Loan loss allowance to noncurrent loans | 513.8350% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 4,657 |
| Noncurrent loans to loans | 0.4047% | 4,160 |
| Net loans and leases to total assets | 67.3000% | 2,807 |
| Net loans and leases to deposits | 77.6978% | 3,127 |
| Net loans and leases to core deposits | 82.0715% | 3,243 |
| Total domestic deposits to total assets | 86.6177% | 2,230 |
| Equity capital to assets | 12.3568% | 1,824 |
| Core capital (leverage) ratio | 11.9509% | 1,701 |
| Tier 1 risk-based capital ratio | 15.2840% | 3,151 |
| Total risk-based capital ratio | 16.5407% | 3,077 |
| Memoranda: | ||
| Average total assets | $148,954,250 | 3,615 |
| Average earning assets | $139,829,500 | 3,575 |
| Average equity | $17,941,750 | 3,418 |
| Average total loans | $96,315,750 | 3,484 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 2,325 |
| Cost of funding earning assets | 0.4375% | 2,878 |
| Net interest margin | 3.8221% | 2,231 |
| Noninterest income to average assets | 0.4315% | 3,842 |
| Noninterest expense to average assets | 2.3748% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1633% | 1,734 |
| Return on assets (ROA) | 1.1633% | 1,805 |
| Pretax return on assets | 1.6511% | 1,189 |
| Return on Equity (ROE) | 9.7410% | 2,188 |
| Retained earnings to average equity (ytd only) | 5.9254% | 2,291 |
| Net charge-offs to loans | -0.1164% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9880% | 5,112 |
| Assets per employee ($millions) | 4.6282% | 2,783 |
| Cash dividends to net income (ytd only)* | 39.1705% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1991% | 731 |
| Loan loss allowance to noncurrent loans | 720.0680% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 4,815 |
| Noncurrent loans to loans | 0.3054% | 4,593 |
| Net loans and leases to total assets | 63.5693% | 3,333 |
| Net loans and leases to deposits | 73.0045% | 3,618 |
| Net loans and leases to core deposits | 77.8758% | 3,591 |
| Total domestic deposits to total assets | 87.0759% | 2,125 |
| Equity capital to assets | 12.1274% | 1,930 |
| Core capital (leverage) ratio | 11.4904% | 1,997 |
| Tier 1 risk-based capital ratio | 16.2698% | 2,722 |
| Total risk-based capital ratio | 17.5292% | 2,679 |
| Memoranda: | ||
| Average total assets | $149,234,670 | 3,639 |
| Average earning assets | $140,343,000 | 3,594 |
| Average equity | $17,821,670 | 3,449 |
| Average total loans | $94,488,670 | 3,543 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,471 |
| Cost of funding earning assets | 0.4671% | 2,587 |
| Net interest margin | 3.7286% | 2,518 |
| Noninterest income to average assets | 0.4059% | 3,955 |
| Noninterest expense to average assets | 2.4272% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0494% | 2,036 |
| Return on assets (ROA) | 1.0494% | 2,183 |
| Pretax return on assets | 1.4740% | 1,647 |
| Return on Equity (ROE) | 8.8553% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.2501% | 2,919 |
| Net charge-offs to loans | 0.0726% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 32.4706% | 1,097 |
| Efficiency ratio | 62.2177% | 4,764 |
| Assets per employee ($millions) | 4.6142% | 2,887 |
| Cash dividends to net income (ytd only)* | 40.7125% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 776 |
| Loan loss allowance to noncurrent loans | 668.3007% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 4,344 |
| Noncurrent loans to loans | 0.3334% | 4,594 |
| Net loans and leases to total assets | 58.9402% | 3,806 |
| Net loans and leases to deposits | 67.4435% | 4,007 |
| Net loans and leases to core deposits | 71.9305% | 3,972 |
| Total domestic deposits to total assets | 87.3920% | 2,169 |
| Equity capital to assets | 11.7832% | 2,210 |
| Core capital (leverage) ratio | 11.2213% | 2,216 |
| Tier 1 risk-based capital ratio | 16.2774% | 2,784 |
| Total risk-based capital ratio | 16.3977% | 3,277 |
| Memoranda: | ||
| Average total assets | $149,800,500 | 3,656 |
| Average earning assets | $140,426,500 | 3,619 |
| Average equity | $17,752,000 | 3,490 |
| Average total loans | $93,600,500 | 3,573 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 2,196 |
| Cost of funding earning assets | 0.5310% | 2,380 |
| Net interest margin | 3.8757% | 2,335 |
| Noninterest income to average assets | 0.4428% | 3,880 |
| Noninterest expense to average assets | 2.4805% | 4,609 |
| Loan and lease loss provision to assets | -0.0076% | 5,908 |
| Net operating income to assets | 1.1193% | 1,907 |
| Return on assets (ROA) | 1.1376% | 1,894 |
| Pretax return on assets | 1.6237% | 1,165 |
| Return on Equity (ROE) | 9.8073% | 2,196 |
| Retained earnings to average equity (ytd only) | 6.0193% | 1,917 |
| Net charge-offs to loans | 0.1404% | 2,624 |
| Credit loss provision to net charge-offs | -8.3333% | 5,307 |
| Earnings coverage of net charge-offs (x) | 17.5455% | 1,919 |
| Efficiency ratio | 60.9378% | 5,081 |
| Assets per employee ($millions) | 4.6042% | 2,869 |
| Cash dividends to net income (ytd only)* | 38.6240% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 869 |
| Loan loss allowance to noncurrent loans | 526.2755% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 4,309 |
| Noncurrent loans to loans | 0.4109% | 4,411 |
| Net loans and leases to total assets | 63.3572% | 3,308 |
| Net loans and leases to deposits | 72.8321% | 3,580 |
| Net loans and leases to core deposits | 77.8571% | 3,536 |
| Total domestic deposits to total assets | 86.9907% | 2,298 |
| Equity capital to assets | 11.9199% | 2,071 |
| Core capital (leverage) ratio | 11.6908% | 1,835 |
| Tier 1 risk-based capital ratio | 16.2396% | 2,841 |
| Total risk-based capital ratio | 17.2258% | 2,915 |
| Memoranda: | ||
| Average total assets | $145,656,000 | 3,697 |
| Average earning assets | $136,336,800 | 3,651 |
| Average equity | $16,895,600 | 3,543 |
| Average total loans | $94,022,600 | 3,547 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 2,235 |
| Cost of funding earning assets | 0.5405% | 2,368 |
| Net interest margin | 3.8564% | 2,406 |
| Noninterest income to average assets | 0.4535% | 3,871 |
| Noninterest expense to average assets | 2.4888% | 4,564 |
| Loan and lease loss provision to assets | -0.0110% | 6,094 |
| Net operating income to assets | 1.1047% | 2,005 |
| Return on assets (ROA) | 1.1292% | 1,998 |
| Pretax return on assets | 1.6194% | 1,264 |
| Return on Equity (ROE) | 9.8031% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.9775% | 2,425 |
| Net charge-offs to loans | 0.1950% | 1,909 |
| Credit loss provision to net charge-offs | -8.7591% | 5,237 |
| Earnings coverage of net charge-offs (x) | 12.5111% | 2,310 |
| Efficiency ratio | 61.2655% | 4,993 |
| Assets per employee ($millions) | 4.3925% | 3,142 |
| Cash dividends to net income (ytd only)* | 39.0241% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1142% | 1,070 |
| Loan loss allowance to noncurrent loans | 505.4054% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 4,367 |
| Noncurrent loans to loans | 0.4183% | 4,649 |
| Net loans and leases to total assets | 67.7547% | 2,575 |
| Net loans and leases to deposits | 79.5795% | 2,759 |
| Net loans and leases to core deposits | 85.6477% | 2,700 |
| Total domestic deposits to total assets | 85.1409% | 3,284 |
| Equity capital to assets | 12.2823% | 1,844 |
| Core capital (leverage) ratio | 11.8234% | 1,816 |
| Tier 1 risk-based capital ratio | 15.9454% | 3,082 |
| Total risk-based capital ratio | 16.6390% | 3,314 |
| Memoranda: | ||
| Average total assets | $145,236,750 | 3,739 |
| Average earning assets | $135,908,250 | 3,688 |
| Average equity | $16,729,000 | 3,585 |
| Average total loans | $93,676,000 | 3,593 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 2,652 |
| Cost of funding earning assets | 0.5622% | 2,242 |
| Net interest margin | 3.7198% | 2,880 |
| Noninterest income to average assets | 0.4346% | 3,991 |
| Noninterest expense to average assets | 2.4592% | 4,701 |
| Loan and lease loss provision to assets | -0.0150% | 6,242 |
| Net operating income to assets | 1.0087% | 2,290 |
| Return on assets (ROA) | 1.0450% | 2,203 |
| Pretax return on assets | 1.4946% | 1,550 |
| Return on Equity (ROE) | 9.2685% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.4016% | 2,697 |
| Net charge-offs to loans | 0.2898% | 1,379 |
| Credit loss provision to net charge-offs | -8.2090% | 5,073 |
| Earnings coverage of net charge-offs (x) | 7.8209% | 2,573 |
| Efficiency ratio | 63.2667% | 4,806 |
| Assets per employee ($millions) | 4.3538% | 3,170 |
| Cash dividends to net income (ytd only)* | 41.7210% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 1,010 |
| Loan loss allowance to noncurrent loans | 480.4196% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 3,844 |
| Noncurrent loans to loans | 0.4599% | 4,615 |
| Net loans and leases to total assets | 63.4875% | 3,161 |
| Net loans and leases to deposits | 73.5016% | 3,388 |
| Net loans and leases to core deposits | 78.3712% | 3,397 |
| Total domestic deposits to total assets | 86.3757% | 2,836 |
| Equity capital to assets | 11.7931% | 2,164 |
| Core capital (leverage) ratio | 11.1301% | 2,306 |
| Tier 1 risk-based capital ratio | 15.9248% | 3,136 |
| Total risk-based capital ratio | 16.9210% | 3,204 |
| Memoranda: | ||
| Average total assets | $146,795,670 | 3,734 |
| Average earning assets | $136,245,330 | 3,707 |
| Average equity | $16,550,670 | 3,606 |
| Average total loans | $92,470,330 | 3,626 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 3,280 |
| Cost of funding earning assets | 0.5751% | 2,197 |
| Net interest margin | 3.5260% | 3,587 |
| Noninterest income to average assets | 0.3667% | 4,450 |
| Noninterest expense to average assets | 2.2406% | 5,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9906% | 2,242 |
| Return on assets (ROA) | 1.0623% | 2,031 |
| Pretax return on assets | 1.5180% | 1,382 |
| Return on Equity (ROE) | 9.6368% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.7234% | 2,681 |
| Net charge-offs to loans | 0.0261% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 508 |
| Efficiency ratio | 61.2832% | 5,234 |
| Assets per employee ($millions) | 4.5552% | 2,884 |
| Cash dividends to net income (ytd only)* | 40.6091% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3624% | 951 |
| Loan loss allowance to noncurrent loans | 192.9010% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 3,845 |
| Noncurrent loans to loans | 1.2247% | 3,001 |
| Net loans and leases to total assets | 60.5138% | 3,471 |
| Net loans and leases to deposits | 69.9456% | 3,607 |
| Net loans and leases to core deposits | 74.1923% | 3,624 |
| Total domestic deposits to total assets | 86.5155% | 3,099 |
| Equity capital to assets | 10.9918% | 2,719 |
| Core capital (leverage) ratio | 10.9484% | 2,434 |
| Tier 1 risk-based capital ratio | 15.6960% | 3,336 |
| Total risk-based capital ratio | 16.6613% | 3,444 |
| Memoranda: | ||
| Average total assets | $148,355,000 | 3,729 |
| Average earning assets | $138,401,000 | 3,694 |
| Average equity | $16,354,000 | 3,641 |
| Average total loans | $92,066,500 | 3,660 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 2,595 |
| Cost of funding earning assets | 0.6650% | 2,071 |
| Net interest margin | 3.7338% | 2,926 |
| Noninterest income to average assets | 0.4035% | 4,418 |
| Noninterest expense to average assets | 2.2808% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1302% | 1,832 |
| Return on assets (ROA) | 1.1659% | 1,756 |
| Pretax return on assets | 1.6175% | 1,124 |
| Return on Equity (ROE) | 10.4884% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.4884% | 490 |
| Net charge-offs to loans | 0.1658% | 3,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.5844% | 1,930 |
| Efficiency ratio | 59.2599% | 5,566 |
| Assets per employee ($millions) | 4.1825% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4251% | 904 |
| Loan loss allowance to noncurrent loans | 277.8338% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 4,605 |
| Noncurrent loans to loans | 0.8728% | 3,800 |
| Net loans and leases to total assets | 60.6337% | 3,605 |
| Net loans and leases to deposits | 70.1990% | 3,762 |
| Net loans and leases to core deposits | 74.4196% | 3,792 |
| Total domestic deposits to total assets | 86.3740% | 3,059 |
| Equity capital to assets | 11.0562% | 2,562 |
| Core capital (leverage) ratio | 11.2715% | 2,141 |
| Tier 1 risk-based capital ratio | 15.7468% | 3,224 |
| Total risk-based capital ratio | 17.0084% | 3,179 |
| Memoranda: | ||
| Average total assets | $143,242,200 | 3,825 |
| Average earning assets | $132,171,600 | 3,795 |
| Average equity | $15,922,400 | 3,715 |
| Average total loans | $92,886,800 | 3,624 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,500 |
| Cost of funding earning assets | 0.6862% | 2,045 |
| Net interest margin | 3.7419% | 2,877 |
| Noninterest income to average assets | 0.4062% | 4,484 |
| Noninterest expense to average assets | 2.2322% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1437% | 1,839 |
| Return on assets (ROA) | 1.1437% | 1,909 |
| Pretax return on assets | 1.6239% | 1,285 |
| Return on Equity (ROE) | 10.2751% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.2751% | 734 |
| Net charge-offs to loans | 0.0814% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 30.4379% | 1,227 |
| Efficiency ratio | 57.8883% | 5,704 |
| Assets per employee ($millions) | 4.6407% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4151% | 1,030 |
| Loan loss allowance to noncurrent loans | 279.2727% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 4,728 |
| Noncurrent loans to loans | 0.8648% | 4,091 |
| Net loans and leases to total assets | 64.7106% | 2,870 |
| Net loans and leases to deposits | 75.7391% | 2,994 |
| Net loans and leases to core deposits | 80.4664% | 3,072 |
| Total domestic deposits to total assets | 85.4388% | 3,527 |
| Equity capital to assets | 11.1753% | 2,592 |
| Core capital (leverage) ratio | 11.1635% | 2,333 |
| Tier 1 risk-based capital ratio | 15.3172% | 3,557 |
| Total risk-based capital ratio | 16.3192% | 3,658 |
| Memoranda: | ||
| Average total assets | $142,455,500 | 3,879 |
| Average earning assets | $131,339,250 | 3,854 |
| Average equity | $15,856,750 | 3,766 |
| Average total loans | $93,366,750 | 3,635 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 2,360 |
| Cost of funding earning assets | 0.6986% | 2,070 |
| Net interest margin | 3.7562% | 2,740 |
| Noninterest income to average assets | 0.4043% | 4,491 |
| Noninterest expense to average assets | 2.2326% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1607% | 1,695 |
| Return on assets (ROA) | 1.1607% | 1,813 |
| Pretax return on assets | 1.6325% | 1,269 |
| Return on Equity (ROE) | 10.4414% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.4414% | 756 |
| Net charge-offs to loans | 0.0237% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 105.3636% | 448 |
| Efficiency ratio | 57.7624% | 5,771 |
| Assets per employee ($millions) | 4.2842% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5461% | 939 |
| Loan loss allowance to noncurrent loans | 281.3174% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 4,399 |
| Noncurrent loans to loans | 0.9051% | 4,118 |
| Net loans and leases to total assets | 63.5950% | 2,987 |
| Net loans and leases to deposits | 74.4060% | 3,085 |
| Net loans and leases to core deposits | 79.1838% | 3,133 |
| Total domestic deposits to total assets | 85.4703% | 3,656 |
| Equity capital to assets | 11.2160% | 2,546 |
| Core capital (leverage) ratio | 10.9674% | 2,389 |
| Tier 1 risk-based capital ratio | 15.5052% | 3,479 |
| Total risk-based capital ratio | 16.7215% | 3,454 |
| Memoranda: | ||
| Average total assets | $141,986,670 | 3,908 |
| Average earning assets | $130,824,670 | 3,888 |
| Average equity | $15,783,330 | 3,806 |
| Average total loans | $92,689,670 | 3,664 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 2,558 |
| Cost of funding earning assets | 0.7032% | 2,176 |
| Net interest margin | 3.6863% | 2,909 |
| Noninterest income to average assets | 0.3992% | 4,462 |
| Noninterest expense to average assets | 2.2236% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0008% | 2,222 |
| Return on assets (ROA) | 1.0008% | 2,341 |
| Pretax return on assets | 1.5799% | 1,350 |
| Return on Equity (ROE) | 9.0433% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.0433% | 1,368 |
| Net charge-offs to loans | 0.0474% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 51.0909% | 664 |
| Efficiency ratio | 58.4627% | 5,787 |
| Assets per employee ($millions) | 4.3130% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5169% | 1,093 |
| Loan loss allowance to noncurrent loans | 380.0971% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 5,298 |
| Noncurrent loans to loans | 0.6622% | 4,798 |
| Net loans and leases to total assets | 63.9219% | 2,723 |
| Net loans and leases to deposits | 74.8536% | 2,794 |
| Net loans and leases to core deposits | 79.4419% | 2,872 |
| Total domestic deposits to total assets | 85.3959% | 3,847 |
| Equity capital to assets | 11.1572% | 2,788 |
| Core capital (leverage) ratio | 10.7001% | 2,549 |
| Tier 1 risk-based capital ratio | 14.8350% | 3,948 |
| Total risk-based capital ratio | 16.0976% | 3,904 |
| Memoranda: | ||
| Average total assets | $142,290,500 | 3,946 |
| Average earning assets | $131,404,000 | 3,913 |
| Average equity | $15,746,500 | 3,863 |
| Average total loans | $92,905,000 | 3,677 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 2,335 |
| Cost of funding earning assets | 0.8842% | 2,042 |
| Net interest margin | 3.8832% | 2,903 |
| Noninterest income to average assets | 0.4910% | 3,959 |
| Noninterest expense to average assets | 2.2189% | 5,887 |
| Loan and lease loss provision to assets | 0.0586% | 5,042 |
| Net operating income to assets | 1.2061% | 1,587 |
| Return on assets (ROA) | 1.2091% | 1,741 |
| Pretax return on assets | 1.7931% | 931 |
| Return on Equity (ROE) | 10.4807% | 1,978 |
| Retained earnings to average equity (ytd only) | 2.0961% | 4,755 |
| Net charge-offs to loans | -0.2842% | 6,970 |
| Credit loss provision to net charge-offs | -31.1284% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5684% | 6,212 |
| Assets per employee ($millions) | 4.4453% | 3,062 |
| Cash dividends to net income (ytd only)* | 80.0000% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5530% | 1,069 |
| Loan loss allowance to noncurrent loans | 722.0183% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 5,916 |
| Noncurrent loans to loans | 0.3536% | 5,603 |
| Net loans and leases to total assets | 63.3528% | 2,999 |
| Net loans and leases to deposits | 73.9210% | 3,098 |
| Net loans and leases to core deposits | 78.4177% | 3,205 |
| Total domestic deposits to total assets | 85.7034% | 3,511 |
| Equity capital to assets | 10.9757% | 2,981 |
| Core capital (leverage) ratio | 10.8213% | 2,417 |
| Tier 1 risk-based capital ratio | 14.6609% | 3,922 |
| Total risk-based capital ratio | 15.9241% | 3,872 |
| Memoranda: | ||
| Average total assets | $136,466,800 | 4,014 |
| Average earning assets | $125,645,200 | 3,988 |
| Average equity | $15,743,200 | 3,820 |
| Average total loans | $90,439,200 | 3,738 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 2,425 |
| Cost of funding earning assets | 0.9295% | 1,982 |
| Net interest margin | 3.8607% | 3,073 |
| Noninterest income to average assets | 0.5184% | 3,808 |
| Noninterest expense to average assets | 2.2317% | 5,877 |
| Loan and lease loss provision to assets | 0.0593% | 4,984 |
| Net operating income to assets | 1.2157% | 1,683 |
| Return on assets (ROA) | 1.2116% | 1,873 |
| Pretax return on assets | 1.7775% | 1,105 |
| Return on Equity (ROE) | 10.3701% | 2,188 |
| Retained earnings to average equity (ytd only) | 7.7586% | 1,722 |
| Net charge-offs to loans | 0.0445% | 5,030 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 62.1985% | 636 |
| Efficiency ratio | 54.7746% | 6,166 |
| Assets per employee ($millions) | 4.0221% | 3,823 |
| Cash dividends to net income (ytd only)* | 25.1834% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 1,836 |
| Loan loss allowance to noncurrent loans | 383.2090% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 5,236 |
| Noncurrent loans to loans | 0.5579% | 5,326 |
| Net loans and leases to total assets | 68.7485% | 2,167 |
| Net loans and leases to deposits | 82.2953% | 2,079 |
| Net loans and leases to core deposits | 87.7415% | 2,242 |
| Total domestic deposits to total assets | 83.5388% | 4,419 |
| Equity capital to assets | 11.8499% | 2,393 |
| Core capital (leverage) ratio | 11.3072% | 2,130 |
| Tier 1 risk-based capital ratio | 14.9443% | 3,886 |
| Total risk-based capital ratio | 16.2040% | 3,833 |
| Memoranda: | ||
| Average total assets | $135,020,750 | 4,080 |
| Average earning assets | $124,361,500 | 4,055 |
| Average equity | $15,775,750 | 3,849 |
| Average total loans | $89,928,750 | 3,789 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 2,738 |
| Cost of funding earning assets | 0.9800% | 1,880 |
| Net interest margin | 3.7653% | 3,512 |
| Noninterest income to average assets | 0.5623% | 3,508 |
| Noninterest expense to average assets | 2.2463% | 5,885 |
| Loan and lease loss provision to assets | 0.0446% | 5,118 |
| Net operating income to assets | 1.2048% | 1,698 |
| Return on assets (ROA) | 1.2109% | 1,872 |
| Pretax return on assets | 1.7554% | 1,124 |
| Return on Equity (ROE) | 10.4141% | 2,207 |
| Retained earnings to average equity (ytd only) | 8.0472% | 1,620 |
| Net charge-offs to loans | 0.0705% | 4,441 |
| Credit loss provision to net charge-offs | 96.7742% | 2,861 |
| Earnings coverage of net charge-offs (x) | 38.8387% | 893 |
| Efficiency ratio | 55.6374% | 6,157 |
| Assets per employee ($millions) | 4.1835% | 3,488 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2440% | 1,684 |
| Loan loss allowance to noncurrent loans | 378.3178% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 5,310 |
| Noncurrent loans to loans | 0.5932% | 5,327 |
| Net loans and leases to total assets | 65.8634% | 2,696 |
| Net loans and leases to deposits | 77.8581% | 2,694 |
| Net loans and leases to core deposits | 84.4309% | 2,636 |
| Total domestic deposits to total assets | 84.5941% | 4,055 |
| Equity capital to assets | 11.8726% | 2,247 |
| Core capital (leverage) ratio | 11.1355% | 2,175 |
| Tier 1 risk-based capital ratio | 15.7208% | 3,319 |
| Total risk-based capital ratio | 16.9808% | 3,280 |
| Memoranda: | ||
| Average total assets | $134,443,670 | 4,108 |
| Average earning assets | $124,081,670 | 4,076 |
| Average equity | $15,632,670 | 3,863 |
| Average total loans | $87,882,000 | 3,857 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 3,142 |
| Cost of funding earning assets | 1.0043% | 1,955 |
| Net interest margin | 3.6739% | 3,944 |
| Noninterest income to average assets | 0.6561% | 2,893 |
| Noninterest expense to average assets | 2.2356% | 5,953 |
| Loan and lease loss provision to assets | 0.0445% | 4,848 |
| Net operating income to assets | 1.2748% | 1,523 |
| Return on assets (ROA) | 1.2855% | 1,668 |
| Pretax return on assets | 1.7902% | 1,088 |
| Return on Equity (ROE) | 11.1728% | 1,951 |
| Retained earnings to average equity (ytd only) | 9.1343% | 1,538 |
| Net charge-offs to loans | 0.1660% | 3,092 |
| Credit loss provision to net charge-offs | 41.6667% | 3,428 |
| Earnings coverage of net charge-offs (x) | 17.0278% | 1,324 |
| Efficiency ratio | 55.1245% | 6,214 |
| Assets per employee ($millions) | 4.1255% | 3,737 |
| Cash dividends to net income (ytd only)* | 18.2448% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2900% | 1,688 |
| Loan loss allowance to noncurrent loans | 265.0794% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 5,139 |
| Noncurrent loans to loans | 0.8639% | 4,942 |
| Net loans and leases to total assets | 62.8072% | 3,093 |
| Net loans and leases to deposits | 73.7740% | 3,145 |
| Net loans and leases to core deposits | 79.4800% | 3,116 |
| Total domestic deposits to total assets | 85.1346% | 3,965 |
| Equity capital to assets | 11.3764% | 2,550 |
| Core capital (leverage) ratio | 10.7987% | 2,441 |
| Tier 1 risk-based capital ratio | 15.8008% | 3,281 |
| Total risk-based capital ratio | 17.0280% | 3,269 |
| Memoranda: | ||
| Average total assets | $134,730,000 | 4,133 |
| Average earning assets | $124,663,500 | 4,097 |
| Average equity | $15,502,000 | 3,887 |
| Average total loans | $86,725,000 | 3,916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 4,042 |
| Cost of funding earning assets | 1.1623% | 2,269 |
| Net interest margin | 3.5860% | 4,786 |
| Noninterest income to average assets | 0.4229% | 4,429 |
| Noninterest expense to average assets | 2.2484% | 6,166 |
| Loan and lease loss provision to assets | 0.1386% | 4,888 |
| Net operating income to assets | 1.0842% | 1,882 |
| Return on assets (ROA) | 1.1269% | 1,852 |
| Pretax return on assets | 1.4365% | 1,665 |
| Return on Equity (ROE) | 9.9464% | 2,081 |
| Retained earnings to average equity (ytd only) | 8.6003% | 900 |
| Net charge-offs to loans | 0.3503% | 3,648 |
| Credit loss provision to net charge-offs | 63.1579% | 5,083 |
| Earnings coverage of net charge-offs (x) | 6.9263% | 2,425 |
| Efficiency ratio | 59.6567% | 5,810 |
| Assets per employee ($millions) | 4.3006% | 3,246 |
| Cash dividends to net income (ytd only)* | 13.5338% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3563% | 1,532 |
| Loan loss allowance to noncurrent loans | 265.0524% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 5,247 |
| Noncurrent loans to loans | 0.8890% | 4,912 |
| Net loans and leases to total assets | 62.9427% | 3,418 |
| Net loans and leases to deposits | 74.2529% | 3,454 |
| Net loans and leases to core deposits | 79.9722% | 3,452 |
| Total domestic deposits to total assets | 84.7680% | 3,979 |
| Equity capital to assets | 11.6383% | 2,396 |
| Core capital (leverage) ratio | 11.5426% | 1,854 |
| Tier 1 risk-based capital ratio | 16.0279% | 3,031 |
| Total risk-based capital ratio | 17.2898% | 2,978 |
| Memoranda: | ||
| Average total assets | $129,827,600 | 4,173 |
| Average earning assets | $121,138,600 | 4,111 |
| Average equity | $14,708,800 | 3,966 |
| Average total loans | $81,347,600 | 4,098 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 4,204 |
| Cost of funding earning assets | 1.2056% | 2,287 |
| Net interest margin | 3.5504% | 4,982 |
| Noninterest income to average assets | 0.4249% | 4,477 |
| Noninterest expense to average assets | 2.3005% | 6,037 |
| Loan and lease loss provision to assets | 0.1551% | 4,526 |
| Net operating income to assets | 0.9232% | 2,657 |
| Return on assets (ROA) | 0.9760% | 2,573 |
| Pretax return on assets | 1.3617% | 2,078 |
| Return on Equity (ROE) | 8.6761% | 2,754 |
| Retained earnings to average equity (ytd only) | 6.8563% | 2,046 |
| Net charge-offs to loans | 0.0066% | 6,075 |
| Credit loss provision to net charge-offs | 3,750.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 349.2101% | 109 |
| Efficiency ratio | 61.4471% | 5,491 |
| Assets per employee ($millions) | 4.1309% | 3,582 |
| Cash dividends to net income (ytd only)* | 20.9742% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7897% | 1,045 |
| Loan loss allowance to noncurrent loans | 807.0922% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,213 |
| Noncurrent loans to loans | 0.3456% | 6,158 |
| Net loans and leases to total assets | 61.9324% | 3,741 |
| Net loans and leases to deposits | 73.5960% | 3,705 |
| Net loans and leases to core deposits | 80.0311% | 3,633 |
| Total domestic deposits to total assets | 84.1518% | 4,155 |
| Equity capital to assets | 11.8555% | 2,372 |
| Core capital (leverage) ratio | 11.4674% | 2,046 |
| Tier 1 risk-based capital ratio | 16.3295% | 2,953 |
| Total risk-based capital ratio | 17.5949% | 2,913 |
| Memoranda: | ||
| Average total assets | $128,955,000 | 4,218 |
| Average earning assets | $120,547,250 | 4,140 |
| Average equity | $14,507,000 | 4,031 |
| Average total loans | $80,199,750 | 4,164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 4,690 |
| Cost of funding earning assets | 1.2582% | 2,199 |
| Net interest margin | 3.4045% | 5,543 |
| Noninterest income to average assets | 0.4224% | 4,492 |
| Noninterest expense to average assets | 2.3489% | 6,000 |
| Loan and lease loss provision to assets | 0.1857% | 4,059 |
| Net operating income to assets | 0.7812% | 3,154 |
| Return on assets (ROA) | 0.8603% | 2,911 |
| Pretax return on assets | 1.2007% | 2,476 |
| Return on Equity (ROE) | 7.7860% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.1196% | 2,350 |
| Net charge-offs to loans | -0.0050% | 6,587 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7887% | 5,093 |
| Assets per employee ($millions) | 4.2480% | 3,258 |
| Cash dividends to net income (ytd only)* | 21.4029% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7374% | 1,140 |
| Loan loss allowance to noncurrent loans | 954.6610% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 6,352 |
| Noncurrent loans to loans | 0.2867% | 6,343 |
| Net loans and leases to total assets | 62.8147% | 3,716 |
| Net loans and leases to deposits | 74.2691% | 3,757 |
| Net loans and leases to core deposits | 80.5561% | 3,708 |
| Total domestic deposits to total assets | 84.5771% | 4,089 |
| Equity capital to assets | 11.4493% | 2,549 |
| Core capital (leverage) ratio | 10.9539% | 2,290 |
| Tier 1 risk-based capital ratio | 15.8934% | 3,035 |
| Total risk-based capital ratio | 17.1592% | 2,999 |
| Memoranda: | ||
| Average total assets | $129,253,670 | 4,247 |
| Average earning assets | $121,603,670 | 4,155 |
| Average equity | $14,282,000 | 4,067 |
| Average total loans | $79,737,670 | 4,226 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 5,484 |
| Cost of funding earning assets | 1.3010% | 2,163 |
| Net interest margin | 3.1597% | 6,191 |
| Noninterest income to average assets | 0.3934% | 4,758 |
| Noninterest expense to average assets | 2.1573% | 6,520 |
| Loan and lease loss provision to assets | 0.1844% | 3,768 |
| Net operating income to assets | 0.7253% | 3,401 |
| Return on assets (ROA) | 0.7253% | 3,462 |
| Pretax return on assets | 1.0295% | 3,024 |
| Return on Equity (ROE) | 6.6820% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.2663% | 3,023 |
| Net charge-offs to loans | -0.0051% | 6,243 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9927% | 5,365 |
| Assets per employee ($millions) | 4.2506% | 3,340 |
| Cash dividends to net income (ytd only)* | 21.1864% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7239% | 1,188 |
| Loan loss allowance to noncurrent loans | 404.4280% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 5,905 |
| Noncurrent loans to loans | 0.6735% | 5,681 |
| Net loans and leases to total assets | 59.4074% | 4,383 |
| Net loans and leases to deposits | 72.7773% | 3,951 |
| Net loans and leases to core deposits | 79.1307% | 3,863 |
| Total domestic deposits to total assets | 81.6291% | 5,447 |
| Equity capital to assets | 10.7568% | 2,919 |
| Core capital (leverage) ratio | 10.8747% | 2,291 |
| Tier 1 risk-based capital ratio | 15.9013% | 2,952 |
| Total risk-based capital ratio | 17.1662% | 2,915 |
| Memoranda: | ||
| Average total assets | $130,160,500 | 4,257 |
| Average earning assets | $122,671,500 | 4,169 |
| Average equity | $14,127,500 | 4,089 |
| Average total loans | $78,454,500 | 4,311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 6,265 |
| Cost of funding earning assets | 1.4609% | 2,884 |
| Net interest margin | 3.0854% | 6,555 |
| Noninterest income to average assets | 0.4215% | 4,730 |
| Noninterest expense to average assets | 2.1590% | 6,712 |
| Loan and lease loss provision to assets | 0.2679% | 4,660 |
| Net operating income to assets | 0.7320% | 3,090 |
| Return on assets (ROA) | 0.7442% | 3,148 |
| Pretax return on assets | 0.8920% | 3,319 |
| Return on Equity (ROE) | 6.5371% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.4105% | 2,171 |
| Net charge-offs to loans | 0.0432% | 6,372 |
| Credit loss provision to net charge-offs | 993.9394% | 225 |
| Earnings coverage of net charge-offs (x) | 42.4848% | 548 |
| Efficiency ratio | 65.3399% | 5,099 |
| Assets per employee ($millions) | 4.1469% | 3,487 |
| Cash dividends to net income (ytd only)* | 17.2338% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7879% | 1,072 |
| Loan loss allowance to noncurrent loans | 862.7530% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 6,455 |
| Noncurrent loans to loans | 0.3231% | 6,403 |
| Net loans and leases to total assets | 57.8018% | 5,054 |
| Net loans and leases to deposits | 71.1730% | 4,653 |
| Net loans and leases to core deposits | 78.5169% | 4,395 |
| Total domestic deposits to total assets | 81.2132% | 5,451 |
| Equity capital to assets | 10.9535% | 2,731 |
| Core capital (leverage) ratio | 11.7484% | 1,704 |
| Tier 1 risk-based capital ratio | 16.4022% | 2,570 |
| Total risk-based capital ratio | 17.6650% | 2,529 |
| Memoranda: | ||
| Average total assets | $122,419,800 | 4,437 |
| Average earning assets | $114,378,400 | 4,363 |
| Average equity | $13,935,800 | 4,157 |
| Average total loans | $76,360,200 | 4,442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 6,334 |
| Cost of funding earning assets | 1.4826% | 3,071 |
| Net interest margin | 3.1165% | 6,576 |
| Noninterest income to average assets | 0.4202% | 4,799 |
| Noninterest expense to average assets | 2.1573% | 6,720 |
| Loan and lease loss provision to assets | 0.2625% | 4,480 |
| Net operating income to assets | 0.6410% | 3,694 |
| Return on assets (ROA) | 0.6551% | 3,793 |
| Pretax return on assets | 0.9276% | 3,457 |
| Return on Equity (ROE) | 5.6979% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.7291% | 3,174 |
| Net charge-offs to loans | 0.0576% | 5,942 |
| Credit loss provision to net charge-offs | 721.2121% | 413 |
| Earnings coverage of net charge-offs (x) | 32.1507% | 835 |
| Efficiency ratio | 64.8326% | 5,081 |
| Assets per employee ($millions) | 4.0240% | 3,787 |
| Cash dividends to net income (ytd only)* | 17.0030% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7176% | 1,064 |
| Loan loss allowance to noncurrent loans | 490.6250% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 6,239 |
| Noncurrent loans to loans | 0.5539% | 6,095 |
| Net loans and leases to total assets | 60.5215% | 4,812 |
| Net loans and leases to deposits | 76.1258% | 4,160 |
| Net loans and leases to core deposits | 85.2212% | 3,766 |
| Total domestic deposits to total assets | 79.5020% | 5,867 |
| Equity capital to assets | 11.8407% | 2,259 |
| Core capital (leverage) ratio | 11.6754% | 1,832 |
| Tier 1 risk-based capital ratio | 16.6585% | 2,480 |
| Total risk-based capital ratio | 17.9221% | 2,435 |
| Memoranda: | ||
| Average total assets | $120,886,500 | 4,527 |
| Average earning assets | $112,773,250 | 4,461 |
| Average equity | $13,899,500 | 4,222 |
| Average total loans | $76,341,000 | 4,514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 6,343 |
| Cost of funding earning assets | 1.4940% | 3,287 |
| Net interest margin | 3.1445% | 6,476 |
| Noninterest income to average assets | 0.4184% | 4,770 |
| Noninterest expense to average assets | 2.1432% | 6,783 |
| Loan and lease loss provision to assets | 0.2431% | 4,487 |
| Net operating income to assets | 0.6769% | 3,500 |
| Return on assets (ROA) | 0.6945% | 3,581 |
| Pretax return on assets | 0.9806% | 3,203 |
| Return on Equity (ROE) | 6.1011% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.3748% | 2,687 |
| Net charge-offs to loans | 0.0130% | 6,159 |
| Credit loss provision to net charge-offs | 2,940.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 237 |
| Efficiency ratio | 64.1267% | 5,312 |
| Assets per employee ($millions) | 3.8167% | 4,184 |
| Cash dividends to net income (ytd only)* | 11.9048% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5991% | 1,193 |
| Loan loss allowance to noncurrent loans | 561.9318% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 6,667 |
| Noncurrent loans to loans | 0.4625% | 6,331 |
| Net loans and leases to total assets | 62.6498% | 4,546 |
| Net loans and leases to deposits | 78.9683% | 3,804 |
| Net loans and leases to core deposits | 89.9151% | 3,283 |
| Total domestic deposits to total assets | 79.3354% | 5,935 |
| Equity capital to assets | 11.8182% | 2,209 |
| Core capital (leverage) ratio | 11.6065% | 1,853 |
| Tier 1 risk-based capital ratio | 16.3540% | 2,531 |
| Total risk-based capital ratio | 17.6174% | 2,471 |
| Memoranda: | ||
| Average total assets | $120,942,330 | 4,546 |
| Average earning assets | $112,451,670 | 4,498 |
| Average equity | $13,768,000 | 4,255 |
| Average total loans | $76,754,000 | 4,547 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 6,620 |
| Cost of funding earning assets | 1.5139% | 3,466 |
| Net interest margin | 3.0633% | 6,685 |
| Noninterest income to average assets | 0.4024% | 4,900 |
| Noninterest expense to average assets | 2.0874% | 6,978 |
| Loan and lease loss provision to assets | 0.1865% | 4,642 |
| Net operating income to assets | 0.6871% | 3,496 |
| Return on assets (ROA) | 0.6871% | 3,613 |
| Pretax return on assets | 0.9554% | 3,248 |
| Return on Equity (ROE) | 6.1491% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.1491% | 2,551 |
| Net charge-offs to loans | 0.0259% | 5,205 |
| Credit loss provision to net charge-offs | 1,140.0000% | 422 |
| Earnings coverage of net charge-offs (x) | 69.8000% | 440 |
| Efficiency ratio | 64.6403% | 5,363 |
| Assets per employee ($millions) | 3.9962% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4434% | 1,367 |
| Loan loss allowance to noncurrent loans | 572.1212% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,767 |
| Noncurrent loans to loans | 0.4271% | 6,443 |
| Net loans and leases to total assets | 62.8781% | 4,566 |
| Net loans and leases to deposits | 78.7625% | 3,888 |
| Net loans and leases to core deposits | 89.5709% | 3,423 |
| Total domestic deposits to total assets | 79.8325% | 5,843 |
| Equity capital to assets | 11.4817% | 2,378 |
| Core capital (leverage) ratio | 11.4841% | 1,918 |
| Tier 1 risk-based capital ratio | 15.7804% | 2,737 |
| Total risk-based capital ratio | 17.0253% | 2,686 |
| Memoranda: | ||
| Average total assets | $122,254,500 | 4,576 |
| Average earning assets | $112,818,500 | 4,544 |
| Average equity | $13,660,500 | 4,317 |
| Average total loans | $77,079,000 | 4,602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 7,157 |
| Cost of funding earning assets | 1.7058% | 4,475 |
| Net interest margin | 2.9807% | 6,697 |
| Noninterest income to average assets | 0.4498% | 4,811 |
| Noninterest expense to average assets | 2.2777% | 6,805 |
| Loan and lease loss provision to assets | 2.7283% | 687 |
| Net operating income to assets | -0.9982% | 6,577 |
| Return on assets (ROA) | -1.2496% | 6,740 |
| Pretax return on assets | -2.2027% | 7,022 |
| Return on Equity (ROE) | -10.8368% | 6,683 |
| Retained earnings to average equity (ytd only) | -11.5583% | 6,648 |
| Net charge-offs to loans | 3.0814% | 673 |
| Credit loss provision to net charge-offs | 140.9362% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.4745% | 5,635 |
| Efficiency ratio | 71.2629% | 4,394 |
| Assets per employee ($millions) | 4.0201% | 3,778 |
| Cash dividends to net income (ytd only)* | -6.6579% | 7,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3879% | 1,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 60.2232% | 5,302 |
| Net loans and leases to deposits | 74.6890% | 4,926 |
| Net loans and leases to core deposits | 88.9400% | 5,231 |
| Total domestic deposits to total assets | 80.6320% | 5,456 |
| Equity capital to assets | 10.8776% | 2,795 |
| Core capital (leverage) ratio | 11.2492% | 2,074 |
| Tier 1 risk-based capital ratio | 15.6290% | 2,662 |
| Total risk-based capital ratio | 16.8826% | 2,611 |
| Memoranda: | ||
| Average total assets | $121,395,000 | 4,524 |
| Average earning assets | $111,854,200 | 4,515 |
| Average equity | $13,998,600 | 4,249 |
| Average total loans | $76,265,200 | 4,644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 7,336 |
| Cost of funding earning assets | 1.7331% | 4,730 |
| Net interest margin | 2.9316% | 6,773 |
| Noninterest income to average assets | 0.4589% | 4,832 |
| Noninterest expense to average assets | 2.2987% | 6,714 |
| Loan and lease loss provision to assets | 2.6215% | 617 |
| Net operating income to assets | -1.2700% | 6,998 |
| Return on assets (ROA) | -1.6585% | 7,177 |
| Pretax return on assets | -2.2965% | 7,284 |
| Return on Equity (ROE) | -14.1747% | 7,146 |
| Retained earnings to average equity (ytd only) | -15.1292% | 7,141 |
| Net charge-offs to loans | 4.1185% | 334 |
| Credit loss provision to net charge-offs | 100.8507% | 5,038 |
| Earnings coverage of net charge-offs (x) | 0.3326% | 5,693 |
| Efficiency ratio | 72.6669% | 4,112 |
| Assets per employee ($millions) | 3.8703% | 4,021 |
| Cash dividends to net income (ytd only)* | -6.7332% | 7,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.5091% | 4,750 |
| Net loans and leases to deposits | 81.0060% | 4,195 |
| Net loans and leases to core deposits | 98.7774% | 4,515 |
| Total domestic deposits to total assets | 79.6349% | 5,584 |
| Equity capital to assets | 11.4336% | 2,648 |
| Core capital (leverage) ratio | 11.3129% | 2,179 |
| Tier 1 risk-based capital ratio | 15.3064% | 2,910 |
| Total risk-based capital ratio | 16.3242% | 2,945 |
| Memoranda: | ||
| Average total assets | $120,588,000 | 4,580 |
| Average earning assets | $111,244,750 | 4,548 |
| Average equity | $14,109,250 | 4,268 |
| Average total loans | $76,109,500 | 4,691 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 7,518 |
| Cost of funding earning assets | 1.7480% | 5,025 |
| Net interest margin | 2.8609% | 6,882 |
| Noninterest income to average assets | 0.4570% | 4,808 |
| Noninterest expense to average assets | 2.2816% | 6,813 |
| Loan and lease loss provision to assets | 3.8563% | 339 |
| Net operating income to assets | -2.3119% | 7,516 |
| Return on assets (ROA) | -2.9241% | 7,658 |
| Pretax return on assets | -3.8794% | 7,723 |
| Return on Equity (ROE) | -24.8039% | 7,624 |
| Retained earnings to average equity (ytd only) | -26.2225% | 7,617 |
| Net charge-offs to loans | 6.2216% | 162 |
| Credit loss provision to net charge-offs | 99.3177% | 4,635 |
| Earnings coverage of net charge-offs (x) | 0.2043% | 5,468 |
| Efficiency ratio | 74.2057% | 4,006 |
| Assets per employee ($millions) | 3.7954% | 4,107 |
| Cash dividends to net income (ytd only)* | -5.7191% | 7,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,425 |
| Loan loss allowance to noncurrent loans | 5,368.7500% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 7,601 |
| Noncurrent loans to loans | 0.0210% | 7,496 |
| Net loans and leases to total assets | 64.1806% | 4,945 |
| Net loans and leases to deposits | 81.4745% | 4,305 |
| Net loans and leases to core deposits | 99.6293% | 4,544 |
| Total domestic deposits to total assets | 78.7739% | 5,869 |
| Equity capital to assets | 11.1052% | 2,831 |
| Core capital (leverage) ratio | 11.0712% | 2,350 |
| Tier 1 risk-based capital ratio | 15.9452% | 2,643 |
| Total risk-based capital ratio | 16.9845% | 2,651 |
| Memoranda: | ||
| Average total assets | $120,790,670 | 4,613 |
| Average earning assets | $110,524,670 | 4,611 |
| Average equity | $14,239,670 | 4,256 |
| Average total loans | $75,382,000 | 4,761 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 7,710 |
| Cost of funding earning assets | 1.7659% | 5,287 |
| Net interest margin | 2.7437% | 7,107 |
| Noninterest income to average assets | 0.4479% | 4,795 |
| Noninterest expense to average assets | 2.0792% | 7,168 |
| Loan and lease loss provision to assets | 0.1340% | 5,245 |
| Net operating income to assets | 0.5188% | 4,349 |
| Return on assets (ROA) | 0.5394% | 4,445 |
| Pretax return on assets | 0.7682% | 4,193 |
| Return on Equity (ROE) | 4.4515% | 4,724 |
| Retained earnings to average equity (ytd only) | 1.7266% | 4,886 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4319% | 4,488 |
| Assets per employee ($millions) | 3.6612% | 4,423 |
| Cash dividends to net income (ytd only)* | 61.2121% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 4,655 |
| Loan loss allowance to noncurrent loans | 246.2366% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,600 |
| Noncurrent loans to loans | 0.4960% | 6,187 |
| Net loans and leases to total assets | 61.3207% | 5,444 |
| Net loans and leases to deposits | 77.9027% | 4,940 |
| Net loans and leases to core deposits | 94.8726% | 5,076 |
| Total domestic deposits to total assets | 78.7144% | 5,822 |
| Equity capital to assets | 12.3176% | 2,069 |
| Core capital (leverage) ratio | 12.5783% | 1,656 |
| Tier 1 risk-based capital ratio | 16.6871% | 2,453 |
| Total risk-based capital ratio | 17.6998% | 2,471 |
| Memoranda: | ||
| Average total assets | $122,357,500 | 4,589 |
| Average earning assets | $111,672,500 | 4,591 |
| Average equity | $14,826,500 | 4,168 |
| Average total loans | $74,887,000 | 4,813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6962% | 6,793 |
| Cost of funding earning assets | 2.4777% | 4,324 |
| Net interest margin | 3.2185% | 6,313 |
| Noninterest income to average assets | 0.5426% | 4,294 |
| Noninterest expense to average assets | 2.1664% | 7,069 |
| Loan and lease loss provision to assets | 0.0762% | 6,446 |
| Net operating income to assets | 0.9506% | 2,790 |
| Return on assets (ROA) | 0.8844% | 2,910 |
| Pretax return on assets | 1.1984% | 2,646 |
| Return on Equity (ROE) | 7.2869% | 3,378 |
| Retained earnings to average equity (ytd only) | 3.0323% | 3,282 |
| Net charge-offs to loans | 0.0014% | 7,015 |
| Credit loss provision to net charge-offs | 9,300.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,664.0000% | 18 |
| Efficiency ratio | 61.3652% | 6,089 |
| Assets per employee ($millions) | 4.4249% | 2,738 |
| Cash dividends to net income (ytd only)* | 58.3874% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 4,774 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 7,518 |
| Noncurrent loans to loans | 0.0334% | 7,377 |
| Net loans and leases to total assets | 59.6436% | 5,965 |
| Net loans and leases to deposits | 75.2352% | 5,698 |
| Net loans and leases to core deposits | 92.0708% | 5,634 |
| Total domestic deposits to total assets | 79.2762% | 5,272 |
| Equity capital to assets | 11.9221% | 2,340 |
| Core capital (leverage) ratio | 12.4819% | 1,762 |
| Tier 1 risk-based capital ratio | 18.5824% | 1,898 |
| Total risk-based capital ratio | 19.6640% | 1,880 |
| Memoranda: | ||
| Average total assets | $121,998,200 | 4,467 |
| Average earning assets | $113,251,000 | 4,440 |
| Average equity | $14,807,400 | 4,179 |
| Average total loans | $72,882,400 | 4,775 |