Home > The First National Bank of Anderson > Performance and Condition Ratios
The First National Bank of Anderson, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 1,376 |
| Cost of funding earning assets | 0.8731% | 3,575 |
| Net interest margin | 4.4856% | 632 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.9285% | 1,219 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0379% | 2,102 |
| Return on assets (ROA) | 1.0379% | 2,080 |
| Pretax return on assets | 1.3588% | 1,723 |
| Return on Equity (ROE) | 10.5300% | 2,353 |
| Retained earnings to average equity (ytd only) | 5.7657% | 2,336 |
| Net charge-offs to loans | 0.1187% | 812 |
| Credit loss provision to net charge-offs | 105.5901% | 1,788 |
| Earnings coverage of net charge-offs (x) | 19.0186% | 1,913 |
| Efficiency ratio | 67.0576% | 2,227 |
| Assets per employee ($millions) | 4.6243% | 3,873 |
| Cash dividends to net income (ytd only)* | 45.2694% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,517 |
| Loan loss allowance to noncurrent loans | 914.5631% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 2,888 |
| Noncurrent loans to loans | 0.1496% | 2,763 |
| Net loans and leases to total assets | 62.4900% | 2,629 |
| Net loans and leases to deposits | 69.5147% | 2,922 |
| Net loans and leases to core deposits | 75.8755% | 2,985 |
| Total domestic deposits to total assets | 89.9000% | 784 |
| Equity capital to assets | 9.9567% | 2,036 |
| Core capital (leverage) ratio | 11.0442% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $212,842,000 | 2,892 |
| Average earning assets | $184,635,600 | 2,975 |
| Average equity | $20,969,000 | 2,777 |
| Average total loans | $135,620,800 | 2,810 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 1,323 |
| Cost of funding earning assets | 0.7623% | 3,629 |
| Net interest margin | 4.5121% | 603 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.7061% | 1,639 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1802% | 1,844 |
| Return on assets (ROA) | 1.1802% | 1,832 |
| Pretax return on assets | 1.5920% | 1,375 |
| Return on Equity (ROE) | 12.0100% | 2,122 |
| Retained earnings to average equity (ytd only) | 10.5696% | 1,250 |
| Net charge-offs to loans | 0.1105% | 720 |
| Credit loss provision to net charge-offs | 98.2143% | 1,640 |
| Earnings coverage of net charge-offs (x) | 23.5536% | 1,730 |
| Efficiency ratio | 61.9611% | 2,722 |
| Assets per employee ($millions) | 4.4113% | 3,993 |
| Cash dividends to net income (ytd only)* | 12.0064% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,576 |
| Loan loss allowance to noncurrent loans | 1,440.7692% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,195 |
| Noncurrent loans to loans | 0.0952% | 3,099 |
| Net loans and leases to total assets | 64.9800% | 2,349 |
| Net loans and leases to deposits | 72.6680% | 2,669 |
| Net loans and leases to core deposits | 79.4855% | 2,639 |
| Total domestic deposits to total assets | 89.4200% | 1,107 |
| Equity capital to assets | 10.3794% | 1,607 |
| Core capital (leverage) ratio | 11.5480% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $211,717,000 | 2,907 |
| Average earning assets | $183,648,000 | 2,995 |
| Average equity | $20,801,250 | 2,781 |
| Average total loans | $135,099,000 | 2,822 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 1,197 |
| Cost of funding earning assets | 0.7121% | 3,449 |
| Net interest margin | 4.5003% | 603 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.6719% | 1,712 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1934% | 1,846 |
| Return on assets (ROA) | 1.1934% | 1,836 |
| Pretax return on assets | 1.6418% | 1,332 |
| Return on Equity (ROE) | 12.3700% | 2,048 |
| Retained earnings to average equity (ytd only) | 12.3725% | 918 |
| Net charge-offs to loans | 0.1486% | 521 |
| Credit loss provision to net charge-offs | 50.0000% | 1,670 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,773 |
| Efficiency ratio | 61.2737% | 2,815 |
| Assets per employee ($millions) | 4.3661% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 1,774 |
| Loan loss allowance to noncurrent loans | 1,754.8077% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,262 |
| Noncurrent loans to loans | 0.0761% | 3,138 |
| Net loans and leases to total assets | 67.1000% | 2,049 |
| Net loans and leases to deposits | 75.1300% | 2,395 |
| Net loans and leases to core deposits | 82.1020% | 2,329 |
| Total domestic deposits to total assets | 89.3200% | 1,131 |
| Equity capital to assets | 10.5298% | 1,586 |
| Core capital (leverage) ratio | 11.1770% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $213,178,333 | 2,906 |
| Average earning assets | $185,367,333 | 2,994 |
| Average equity | $20,561,667 | 2,813 |
| Average total loans | $134,601,000 | 2,826 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 1,105 |
| Cost of funding earning assets | 0.7058% | 3,038 |
| Net interest margin | 4.3750% | 718 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.5786% | 2,015 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0467% | 2,397 |
| Return on assets (ROA) | 1.0467% | 2,360 |
| Pretax return on assets | 1.5701% | 1,533 |
| Return on Equity (ROE) | 11.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 11.3037% | 1,399 |
| Net charge-offs to loans | -0.0180% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.3449% | 2,771 |
| Assets per employee ($millions) | 4.5790% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 1,672 |
| Loan loss allowance to noncurrent loans | 5,028.9474% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,642 |
| Noncurrent loans to loans | 0.0276% | 3,570 |
| Net loans and leases to total assets | 63.1700% | 2,339 |
| Net loans and leases to deposits | 70.0578% | 2,606 |
| Net loans and leases to core deposits | 76.2306% | 2,511 |
| Total domestic deposits to total assets | 90.1600% | 1,101 |
| Equity capital to assets | 9.6629% | 2,027 |
| Core capital (leverage) ratio | 10.4206% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $219,347,500 | 2,914 |
| Average earning assets | $188,710,000 | 3,005 |
| Average equity | $20,312,000 | 2,862 |
| Average total loans | $133,603,000 | 2,866 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 1,918 |
| Cost of funding earning assets | 0.4525% | 971 |
| Net interest margin | 3.2898% | 2,328 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3164% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6725% | 3,641 |
| Return on assets (ROA) | 0.6725% | 3,601 |
| Pretax return on assets | 0.8510% | 3,470 |
| Return on Equity (ROE) | 7.4000% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.4035% | 2,229 |
| Net charge-offs to loans | 0.0067% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 234.3333% | 566 |
| Efficiency ratio | 73.1320% | 1,372 |
| Assets per employee ($millions) | 5.1889% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,220 |
| Loan loss allowance to noncurrent loans | 1,434.3511% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,307 |
| Noncurrent loans to loans | 0.1067% | 3,121 |
| Net loans and leases to total assets | 54.1700% | 3,083 |
| Net loans and leases to deposits | 59.5469% | 3,238 |
| Net loans and leases to core deposits | 65.3465% | 2,998 |
| Total domestic deposits to total assets | 90.9700% | 1,256 |
| Equity capital to assets | 8.8665% | 2,307 |
| Core capital (leverage) ratio | 10.0860% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $220,279,500 | 2,919 |
| Average earning assets | $183,877,500 | 3,065 |
| Average equity | $20,008,000 | 2,998 |
| Average total loans | $118,860,500 | 2,939 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4848% | 2,184 |
| Cost of funding earning assets | 0.4445% | 708 |
| Net interest margin | 3.0403% | 2,759 |
| Noninterest income to average assets | 0.4176% | 2,647 |
| Noninterest expense to average assets | 2.3280% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4915% | 3,916 |
| Return on assets (ROA) | 0.4915% | 3,864 |
| Pretax return on assets | 0.6219% | 3,771 |
| Return on Equity (ROE) | 5.3677% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.3677% | 2,566 |
| Net charge-offs to loans | 0.0766% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 15.1556% | 1,642 |
| Efficiency ratio | 78.9181% | 1,024 |
| Assets per employee ($millions) | 4.8689% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,220 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,447 |
| Noncurrent loans to loans | 0.0981% | 3,271 |
| Net loans and leases to total assets | 53.8496% | 2,976 |
| Net loans and leases to deposits | 59.3313% | 3,105 |
| Net loans and leases to core deposits | 65.4254% | 2,863 |
| Total domestic deposits to total assets | 90.7609% | 1,356 |
| Equity capital to assets | 9.1565% | 2,274 |
| Core capital (leverage) ratio | 9.0851% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,332,333 | 2,952 |
| Average earning assets | $182,681,000 | 3,114 |
| Average equity | $20,083,000 | 3,063 |
| Average total loans | $117,566,667 | 2,971 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2678% | 2,482 |
| Cost of funding earning assets | 0.4580% | 624 |
| Net interest margin | 2.8098% | 3,108 |
| Noninterest income to average assets | 0.4074% | 2,635 |
| Noninterest expense to average assets | 2.2516% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4128% | 3,925 |
| Return on assets (ROA) | 0.4128% | 3,891 |
| Pretax return on assets | 0.5228% | 3,829 |
| Return on Equity (ROE) | 4.5087% | 3,758 |
| Retained earnings to average equity (ytd only) | 4.5087% | 2,777 |
| Net charge-offs to loans | 0.3635% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.7103% | 1,695 |
| Efficiency ratio | 81.1566% | 1,059 |
| Assets per employee ($millions) | 5.0291% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,499 |
| Loan loss allowance to noncurrent loans | 1,154.5455% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,368 |
| Noncurrent loans to loans | 0.1316% | 3,150 |
| Net loans and leases to total assets | 52.0800% | 2,981 |
| Net loans and leases to deposits | 57.2921% | 3,150 |
| Net loans and leases to core deposits | 62.8611% | 2,907 |
| Total domestic deposits to total assets | 90.9024% | 1,083 |
| Equity capital to assets | 9.0384% | 2,678 |
| Core capital (leverage) ratio | 9.0437% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,883,500 | 2,949 |
| Average earning assets | $186,914,000 | 3,099 |
| Average equity | $20,316,500 | 3,120 |
| Average total loans | $117,749,000 | 2,959 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 1,541 |
| Cost of funding earning assets | 0.5744% | 619 |
| Net interest margin | 3.3556% | 2,147 |
| Noninterest income to average assets | 0.4463% | 2,832 |
| Noninterest expense to average assets | 2.4885% | 2,214 |
| Loan and lease loss provision to assets | 0.0191% | 2,688 |
| Net operating income to assets | 0.5417% | 3,997 |
| Return on assets (ROA) | 0.5417% | 4,049 |
| Pretax return on assets | 0.6625% | 4,007 |
| Return on Equity (ROE) | 5.4355% | 3,898 |
| Retained earnings to average equity (ytd only) | 1.9587% | 3,987 |
| Net charge-offs to loans | -0.0238% | 4,038 |
| Credit loss provision to net charge-offs | -137.9310% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5005% | 907 |
| Assets per employee ($millions) | 4.8367% | 3,860 |
| Cash dividends to net income (ytd only)* | 63.9648% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 1,283 |
| Loan loss allowance to noncurrent loans | 845.2915% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 3,237 |
| Noncurrent loans to loans | 0.1882% | 3,006 |
| Net loans and leases to total assets | 52.4042% | 3,011 |
| Net loans and leases to deposits | 57.7923% | 3,274 |
| Net loans and leases to core deposits | 65.4649% | 2,865 |
| Total domestic deposits to total assets | 90.6768% | 632 |
| Equity capital to assets | 9.2738% | 3,346 |
| Core capital (leverage) ratio | 9.4427% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,523,600 | 2,988 |
| Average earning assets | $170,075,800 | 3,186 |
| Average equity | $20,881,400 | 3,137 |
| Average total loans | $122,099,800 | 2,935 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 1,315 |
| Cost of funding earning assets | 0.6006% | 638 |
| Net interest margin | 3.4936% | 1,877 |
| Noninterest income to average assets | 0.4091% | 3,039 |
| Noninterest expense to average assets | 2.3792% | 2,506 |
| Loan and lease loss provision to assets | 0.0257% | 2,484 |
| Net operating income to assets | 0.6457% | 3,913 |
| Return on assets (ROA) | 0.6457% | 3,966 |
| Pretax return on assets | 0.8241% | 3,844 |
| Return on Equity (ROE) | 6.3598% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.3598% | 2,669 |
| Net charge-offs to loans | -0.0423% | 4,277 |
| Credit loss provision to net charge-offs | -102.5641% | 3,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6789% | 1,242 |
| Assets per employee ($millions) | 4.8517% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,415 |
| Loan loss allowance to noncurrent loans | 1,334.5070% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,661 |
| Noncurrent loans to loans | 0.1177% | 3,505 |
| Net loans and leases to total assets | 55.6204% | 2,774 |
| Net loans and leases to deposits | 61.9079% | 3,052 |
| Net loans and leases to core deposits | 70.1188% | 2,582 |
| Total domestic deposits to total assets | 89.8437% | 841 |
| Equity capital to assets | 10.0448% | 2,863 |
| Core capital (leverage) ratio | 10.2906% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,282,500 | 3,051 |
| Average earning assets | $166,508,500 | 3,250 |
| Average equity | $20,943,500 | 3,169 |
| Average total loans | $123,005,250 | 2,964 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 1,011 |
| Cost of funding earning assets | 0.6386% | 610 |
| Net interest margin | 3.6597% | 1,445 |
| Noninterest income to average assets | 0.4051% | 3,086 |
| Noninterest expense to average assets | 2.4053% | 2,443 |
| Loan and lease loss provision to assets | 0.0392% | 2,215 |
| Net operating income to assets | 0.6896% | 3,784 |
| Return on assets (ROA) | 0.6896% | 3,851 |
| Pretax return on assets | 0.8838% | 3,694 |
| Return on Equity (ROE) | 6.7671% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.7671% | 2,515 |
| Net charge-offs to loans | -0.0275% | 4,127 |
| Credit loss provision to net charge-offs | -235.2941% | 3,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2664% | 1,406 |
| Assets per employee ($millions) | 4.5765% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,586 |
| Loan loss allowance to noncurrent loans | 1,687.3874% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,668 |
| Noncurrent loans to loans | 0.0890% | 3,738 |
| Net loans and leases to total assets | 59.6541% | 2,466 |
| Net loans and leases to deposits | 66.5479% | 2,775 |
| Net loans and leases to core deposits | 75.6896% | 2,268 |
| Total domestic deposits to total assets | 89.6409% | 953 |
| Equity capital to assets | 10.2474% | 2,618 |
| Core capital (leverage) ratio | 10.3382% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,885,333 | 3,065 |
| Average earning assets | $162,856,333 | 3,284 |
| Average equity | $20,777,000 | 3,179 |
| Average total loans | $123,797,000 | 2,970 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 1,104 |
| Cost of funding earning assets | 0.6659% | 630 |
| Net interest margin | 3.5920% | 1,610 |
| Noninterest income to average assets | 0.3904% | 3,142 |
| Noninterest expense to average assets | 2.4076% | 2,472 |
| Loan and lease loss provision to assets | 0.0592% | 1,944 |
| Net operating income to assets | 0.6073% | 3,922 |
| Return on assets (ROA) | 0.6073% | 3,986 |
| Pretax return on assets | 0.7848% | 3,839 |
| Return on Equity (ROE) | 5.9767% | 3,866 |
| Retained earnings to average equity (ytd only) | 5.9767% | 2,910 |
| Net charge-offs to loans | -0.0357% | 4,253 |
| Credit loss provision to net charge-offs | -272.7273% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0449% | 1,308 |
| Assets per employee ($millions) | 4.7762% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,493 |
| Loan loss allowance to noncurrent loans | 1,125.4545% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 3,635 |
| Noncurrent loans to loans | 0.1362% | 3,632 |
| Net loans and leases to total assets | 58.0676% | 2,792 |
| Net loans and leases to deposits | 64.6630% | 3,065 |
| Net loans and leases to core deposits | 73.9241% | 2,520 |
| Total domestic deposits to total assets | 89.8003% | 915 |
| Equity capital to assets | 10.0965% | 2,616 |
| Core capital (leverage) ratio | 10.3903% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,856,000 | 3,066 |
| Average earning assets | $161,581,000 | 3,293 |
| Average equity | $20,613,500 | 3,188 |
| Average total loans | $123,332,000 | 2,981 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 1,482 |
| Cost of funding earning assets | 0.8161% | 1,143 |
| Net interest margin | 3.6178% | 2,083 |
| Noninterest income to average assets | 0.4658% | 2,789 |
| Noninterest expense to average assets | 2.5930% | 2,570 |
| Loan and lease loss provision to assets | 0.0620% | 3,598 |
| Net operating income to assets | 0.7068% | 3,411 |
| Return on assets (ROA) | 0.7080% | 3,541 |
| Pretax return on assets | 0.8779% | 3,432 |
| Return on Equity (ROE) | 6.7164% | 3,316 |
| Retained earnings to average equity (ytd only) | 3.3411% | 3,156 |
| Net charge-offs to loans | 0.0105% | 2,944 |
| Credit loss provision to net charge-offs | 923.0769% | 821 |
| Earnings coverage of net charge-offs (x) | 139.7692% | 614 |
| Efficiency ratio | 73.4279% | 1,516 |
| Assets per employee ($millions) | 4.5530% | 3,867 |
| Cash dividends to net income (ytd only)* | 50.2553% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,789 |
| Loan loss allowance to noncurrent loans | 1,297.1429% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 3,820 |
| Noncurrent loans to loans | 0.1115% | 3,842 |
| Net loans and leases to total assets | 61.7634% | 2,640 |
| Net loans and leases to deposits | 68.8404% | 2,998 |
| Net loans and leases to core deposits | 79.0222% | 2,452 |
| Total domestic deposits to total assets | 89.7197% | 674 |
| Equity capital to assets | 10.2284% | 2,907 |
| Core capital (leverage) ratio | 9.9962% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4493% | 1,164 |
| Memoranda: | ||
| Average total assets | $193,633,200 | 2,995 |
| Average earning assets | $164,077,800 | 3,130 |
| Average equity | $20,412,600 | 3,148 |
| Average total loans | $123,361,400 | 2,946 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,422 |
| Cost of funding earning assets | 0.8552% | 1,230 |
| Net interest margin | 3.7062% | 1,921 |
| Noninterest income to average assets | 0.4286% | 2,942 |
| Noninterest expense to average assets | 2.4970% | 2,863 |
| Loan and lease loss provision to assets | 0.0834% | 3,272 |
| Net operating income to assets | 0.7736% | 3,193 |
| Return on assets (ROA) | 0.7758% | 3,297 |
| Pretax return on assets | 1.0085% | 3,037 |
| Return on Equity (ROE) | 7.3030% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.3030% | 1,588 |
| Net charge-offs to loans | 0.0163% | 2,551 |
| Credit loss provision to net charge-offs | 800.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 104.5333% | 765 |
| Efficiency ratio | 69.6301% | 1,941 |
| Assets per employee ($millions) | 4.7962% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 1,527 |
| Loan loss allowance to noncurrent loans | 1,106.0976% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 3,882 |
| Noncurrent loans to loans | 0.1313% | 3,855 |
| Net loans and leases to total assets | 61.1180% | 3,102 |
| Net loans and leases to deposits | 69.5166% | 3,350 |
| Net loans and leases to core deposits | 80.1406% | 2,828 |
| Total domestic deposits to total assets | 87.9185% | 1,253 |
| Equity capital to assets | 10.3927% | 2,877 |
| Core capital (leverage) ratio | 10.5094% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,958,000 | 2,995 |
| Average earning assets | $163,543,000 | 3,119 |
| Average equity | $20,393,000 | 3,146 |
| Average total loans | $122,814,500 | 2,962 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7638% | 1,251 |
| Cost of funding earning assets | 0.9069% | 1,345 |
| Net interest margin | 3.8569% | 1,673 |
| Noninterest income to average assets | 0.4290% | 2,916 |
| Noninterest expense to average assets | 2.5445% | 2,841 |
| Loan and lease loss provision to assets | 0.1271% | 2,754 |
| Net operating income to assets | 0.8354% | 2,918 |
| Return on assets (ROA) | 0.8379% | 3,026 |
| Pretax return on assets | 1.0943% | 2,724 |
| Return on Equity (ROE) | 7.8269% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.8269% | 1,360 |
| Net charge-offs to loans | 0.0344% | 2,050 |
| Credit loss provision to net charge-offs | 571.4286% | 1,140 |
| Earnings coverage of net charge-offs (x) | 54.7619% | 1,037 |
| Efficiency ratio | 67.6239% | 2,289 |
| Assets per employee ($millions) | 4.5390% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,487 |
| Loan loss allowance to noncurrent loans | 1,057.3099% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 3,959 |
| Noncurrent loans to loans | 0.1351% | 3,917 |
| Net loans and leases to total assets | 62.4689% | 3,075 |
| Net loans and leases to deposits | 69.8648% | 3,431 |
| Net loans and leases to core deposits | 80.4671% | 2,909 |
| Total domestic deposits to total assets | 89.4140% | 605 |
| Equity capital to assets | 10.3251% | 2,907 |
| Core capital (leverage) ratio | 10.5984% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4608% | 1,142 |
| Memoranda: | ||
| Average total assets | $188,797,333 | 3,002 |
| Average earning assets | $163,189,000 | 3,108 |
| Average equity | $20,212,333 | 3,154 |
| Average total loans | $122,109,333 | 2,951 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 1,775 |
| Cost of funding earning assets | 0.9575% | 1,619 |
| Net interest margin | 3.7224% | 2,255 |
| Noninterest income to average assets | 0.4778% | 2,661 |
| Noninterest expense to average assets | 2.6007% | 2,979 |
| Loan and lease loss provision to assets | 0.1309% | 2,086 |
| Net operating income to assets | 0.8125% | 2,866 |
| Return on assets (ROA) | 0.8160% | 2,939 |
| Pretax return on assets | 1.0669% | 2,617 |
| Return on Equity (ROE) | 7.4770% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.4770% | 1,387 |
| Net charge-offs to loans | 0.0467% | 1,551 |
| Credit loss provision to net charge-offs | 428.5714% | 958 |
| Earnings coverage of net charge-offs (x) | 39.0714% | 1,038 |
| Efficiency ratio | 68.5451% | 2,579 |
| Assets per employee ($millions) | 4.1481% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,392 |
| Loan loss allowance to noncurrent loans | 769.7368% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 3,883 |
| Noncurrent loans to loans | 0.1927% | 3,788 |
| Net loans and leases to total assets | 62.4536% | 3,249 |
| Net loans and leases to deposits | 70.2135% | 3,574 |
| Net loans and leases to core deposits | 81.3372% | 3,081 |
| Total domestic deposits to total assets | 88.9481% | 686 |
| Equity capital to assets | 10.8328% | 3,014 |
| Core capital (leverage) ratio | 11.0186% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1250% | 1,130 |
| Memoranda: | ||
| Average total assets | $183,337,500 | 3,019 |
| Average earning assets | $163,334,000 | 3,077 |
| Average equity | $20,008,000 | 3,172 |
| Average total loans | $119,879,500 | 2,959 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 1,741 |
| Cost of funding earning assets | 0.9628% | 1,893 |
| Net interest margin | 3.9396% | 2,032 |
| Noninterest income to average assets | 0.5318% | 2,569 |
| Noninterest expense to average assets | 2.9221% | 2,227 |
| Loan and lease loss provision to assets | 0.1354% | 1,578 |
| Net operating income to assets | 0.8794% | 3,288 |
| Return on assets (ROA) | 0.8821% | 3,358 |
| Pretax return on assets | 1.0987% | 3,170 |
| Return on Equity (ROE) | 7.9996% | 3,158 |
| Retained earnings to average equity (ytd only) | 3.6520% | 3,168 |
| Net charge-offs to loans | 0.1030% | 1,699 |
| Credit loss provision to net charge-offs | 190.4762% | 1,385 |
| Earnings coverage of net charge-offs (x) | 17.3175% | 2,114 |
| Efficiency ratio | 70.3653% | 2,120 |
| Assets per employee ($millions) | 4.0002% | 3,897 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,498 |
| Loan loss allowance to noncurrent loans | 657.3077% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 3,767 |
| Noncurrent loans to loans | 0.2141% | 3,690 |
| Net loans and leases to total assets | 66.5052% | 2,896 |
| Net loans and leases to deposits | 74.8468% | 3,274 |
| Net loans and leases to core deposits | 87.2388% | 2,680 |
| Total domestic deposits to total assets | 88.8551% | 723 |
| Equity capital to assets | 10.9966% | 3,001 |
| Core capital (leverage) ratio | 10.9497% | 2,541 |
| Tier 1 risk-based capital ratio | 15.9648% | 2,421 |
| Total risk-based capital ratio | 17.2161% | 2,367 |
| Memoranda: | ||
| Average total assets | $177,307,000 | 3,048 |
| Average earning assets | $162,959,200 | 3,056 |
| Average equity | $19,551,000 | 3,172 |
| Average total loans | $122,388,400 | 2,919 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9423% | 1,699 |
| Cost of funding earning assets | 0.9567% | 1,960 |
| Net interest margin | 3.9856% | 1,995 |
| Noninterest income to average assets | 0.4967% | 2,749 |
| Noninterest expense to average assets | 2.7922% | 2,581 |
| Loan and lease loss provision to assets | 0.1359% | 1,414 |
| Net operating income to assets | 0.9397% | 3,207 |
| Return on assets (ROA) | 0.9421% | 3,269 |
| Pretax return on assets | 1.2289% | 2,887 |
| Return on Equity (ROE) | 8.5375% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.5375% | 1,193 |
| Net charge-offs to loans | 0.1370% | 1,168 |
| Credit loss provision to net charge-offs | 142.8571% | 1,697 |
| Earnings coverage of net charge-offs (x) | 14.3171% | 2,250 |
| Efficiency ratio | 67.2179% | 2,546 |
| Assets per employee ($millions) | 3.8593% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,663 |
| Loan loss allowance to noncurrent loans | 756.4220% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 3,973 |
| Noncurrent loans to loans | 0.1819% | 3,882 |
| Net loans and leases to total assets | 65.1585% | 3,164 |
| Net loans and leases to deposits | 74.9583% | 3,389 |
| Net loans and leases to core deposits | 87.5001% | 2,784 |
| Total domestic deposits to total assets | 86.9263% | 1,556 |
| Equity capital to assets | 11.1937% | 2,937 |
| Core capital (leverage) ratio | 11.4395% | 2,267 |
| Tier 1 risk-based capital ratio | 16.4346% | 2,294 |
| Total risk-based capital ratio | 17.6856% | 2,224 |
| Memoranda: | ||
| Average total assets | $176,631,250 | 3,085 |
| Average earning assets | $162,079,000 | 3,098 |
| Average equity | $19,490,000 | 3,201 |
| Average total loans | $122,629,250 | 2,944 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 1,697 |
| Cost of funding earning assets | 0.9173% | 2,067 |
| Net interest margin | 4.0023% | 1,910 |
| Noninterest income to average assets | 0.4993% | 2,687 |
| Noninterest expense to average assets | 2.8530% | 2,405 |
| Loan and lease loss provision to assets | 0.1371% | 1,350 |
| Net operating income to assets | 0.9214% | 3,205 |
| Return on assets (ROA) | 0.9232% | 3,257 |
| Pretax return on assets | 1.2054% | 2,888 |
| Return on Equity (ROE) | 8.4085% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.4085% | 1,240 |
| Net charge-offs to loans | 0.2072% | 798 |
| Credit loss provision to net charge-offs | 93.7500% | 2,090 |
| Earnings coverage of net charge-offs (x) | 9.1641% | 2,353 |
| Efficiency ratio | 68.0381% | 2,527 |
| Assets per employee ($millions) | 3.8390% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,016 |
| Loan loss allowance to noncurrent loans | 603.4221% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 1,671 |
| Noncurrent loans to loans | 0.2154% | 3,771 |
| Net loans and leases to total assets | 66.7801% | 3,007 |
| Net loans and leases to deposits | 76.5737% | 3,279 |
| Net loans and leases to core deposits | 89.9142% | 2,610 |
| Total domestic deposits to total assets | 87.2103% | 1,493 |
| Equity capital to assets | 10.9824% | 3,083 |
| Core capital (leverage) ratio | 11.3660% | 2,280 |
| Tier 1 risk-based capital ratio | 15.8579% | 2,474 |
| Total risk-based capital ratio | 17.1085% | 2,413 |
| Memoranda: | ||
| Average total assets | $175,046,000 | 3,110 |
| Average earning assets | $161,555,670 | 3,116 |
| Average equity | $19,218,670 | 3,229 |
| Average total loans | $123,559,670 | 2,942 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 1,528 |
| Cost of funding earning assets | 0.8599% | 2,208 |
| Net interest margin | 4.0668% | 1,651 |
| Noninterest income to average assets | 0.5361% | 2,362 |
| Noninterest expense to average assets | 2.7247% | 2,829 |
| Loan and lease loss provision to assets | 0.1392% | 1,237 |
| Net operating income to assets | 1.1140% | 2,416 |
| Return on assets (ROA) | 1.1140% | 2,462 |
| Pretax return on assets | 1.4482% | 1,932 |
| Return on Equity (ROE) | 10.1480% | 2,303 |
| Retained earnings to average equity (ytd only) | 10.1480% | 999 |
| Net charge-offs to loans | 0.0837% | 1,262 |
| Credit loss provision to net charge-offs | 230.7692% | 964 |
| Earnings coverage of net charge-offs (x) | 26.3077% | 1,409 |
| Efficiency ratio | 63.1862% | 3,359 |
| Assets per employee ($millions) | 3.7722% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,080 |
| Loan loss allowance to noncurrent loans | 492.1450% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 1,442 |
| Noncurrent loans to loans | 0.2646% | 3,614 |
| Net loans and leases to total assets | 71.1433% | 2,306 |
| Net loans and leases to deposits | 81.7978% | 2,628 |
| Net loans and leases to core deposits | 95.9483% | 1,930 |
| Total domestic deposits to total assets | 86.9746% | 1,827 |
| Equity capital to assets | 11.0810% | 2,766 |
| Core capital (leverage) ratio | 11.4456% | 2,173 |
| Tier 1 risk-based capital ratio | 15.7393% | 2,555 |
| Total risk-based capital ratio | 16.9902% | 2,477 |
| Memoranda: | ||
| Average total assets | $172,352,000 | 3,167 |
| Average earning assets | $160,027,500 | 3,167 |
| Average equity | $18,920,000 | 3,270 |
| Average total loans | $124,299,000 | 2,975 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 1,871 |
| Cost of funding earning assets | 0.5975% | 2,739 |
| Net interest margin | 4.0892% | 1,715 |
| Noninterest income to average assets | 0.5350% | 2,636 |
| Noninterest expense to average assets | 2.9040% | 2,341 |
| Loan and lease loss provision to assets | 0.2274% | 783 |
| Net operating income to assets | 0.9537% | 3,206 |
| Return on assets (ROA) | 0.9551% | 3,199 |
| Pretax return on assets | 1.1558% | 3,079 |
| Return on Equity (ROE) | 9.1700% | 2,904 |
| Retained earnings to average equity (ytd only) | 5.1254% | 2,702 |
| Net charge-offs to loans | 0.1511% | 1,269 |
| Credit loss provision to net charge-offs | 224.7191% | 1,305 |
| Earnings coverage of net charge-offs (x) | 13.6517% | 2,436 |
| Efficiency ratio | 67.7633% | 2,588 |
| Assets per employee ($millions) | 3.5663% | 4,481 |
| Cash dividends to net income (ytd only)* | 44.1071% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,092 |
| Loan loss allowance to noncurrent loans | 1,092.4658% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 1,474 |
| Noncurrent loans to loans | 0.1182% | 4,196 |
| Net loans and leases to total assets | 71.2252% | 2,392 |
| Net loans and leases to deposits | 80.0284% | 2,953 |
| Net loans and leases to core deposits | 93.1222% | 2,305 |
| Total domestic deposits to total assets | 88.9999% | 854 |
| Equity capital to assets | 10.8727% | 2,817 |
| Core capital (leverage) ratio | 11.1622% | 2,387 |
| Tier 1 risk-based capital ratio | 15.4356% | 2,649 |
| Total risk-based capital ratio | 16.6858% | 2,566 |
| Memoranda: | ||
| Average total assets | $175,897,800 | 3,105 |
| Average earning assets | $161,326,000 | 3,126 |
| Average equity | $18,320,600 | 3,263 |
| Average total loans | $117,801,200 | 3,022 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 1,914 |
| Cost of funding earning assets | 0.5474% | 2,872 |
| Net interest margin | 4.0761% | 1,704 |
| Noninterest income to average assets | 0.4939% | 2,908 |
| Noninterest expense to average assets | 2.6444% | 3,139 |
| Loan and lease loss provision to assets | 0.2485% | 636 |
| Net operating income to assets | 0.9936% | 3,111 |
| Return on assets (ROA) | 0.9954% | 3,117 |
| Pretax return on assets | 1.3259% | 2,522 |
| Return on Equity (ROE) | 9.6594% | 2,773 |
| Retained earnings to average equity (ytd only) | 9.6594% | 1,009 |
| Net charge-offs to loans | 0.1535% | 1,070 |
| Credit loss provision to net charge-offs | 246.2687% | 1,195 |
| Earnings coverage of net charge-offs (x) | 15.5823% | 2,211 |
| Efficiency ratio | 62.7143% | 3,389 |
| Assets per employee ($millions) | 3.6632% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,050 |
| Loan loss allowance to noncurrent loans | 533.6735% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 1,347 |
| Noncurrent loans to loans | 0.2457% | 3,813 |
| Net loans and leases to total assets | 68.5936% | 2,853 |
| Net loans and leases to deposits | 77.2603% | 3,299 |
| Net loans and leases to core deposits | 89.7182% | 2,686 |
| Total domestic deposits to total assets | 88.7825% | 923 |
| Equity capital to assets | 10.9514% | 2,705 |
| Core capital (leverage) ratio | 11.3757% | 2,267 |
| Tier 1 risk-based capital ratio | 16.0973% | 2,409 |
| Total risk-based capital ratio | 17.3490% | 2,351 |
| Memoranda: | ||
| Average total assets | $177,077,000 | 3,106 |
| Average earning assets | $161,720,000 | 3,149 |
| Average equity | $18,247,750 | 3,290 |
| Average total loans | $116,371,750 | 3,064 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,977 |
| Cost of funding earning assets | 0.5064% | 2,962 |
| Net interest margin | 4.0294% | 1,763 |
| Noninterest income to average assets | 0.4935% | 2,898 |
| Noninterest expense to average assets | 2.6266% | 3,237 |
| Loan and lease loss provision to assets | 0.2350% | 677 |
| Net operating income to assets | 0.9922% | 3,061 |
| Return on assets (ROA) | 0.9949% | 3,040 |
| Pretax return on assets | 1.3217% | 2,428 |
| Return on Equity (ROE) | 9.8530% | 2,632 |
| Retained earnings to average equity (ytd only) | 9.8530% | 963 |
| Net charge-offs to loans | 0.1856% | 844 |
| Credit loss provision to net charge-offs | 196.2617% | 1,325 |
| Earnings coverage of net charge-offs (x) | 12.9720% | 2,171 |
| Efficiency ratio | 62.8380% | 3,512 |
| Assets per employee ($millions) | 3.9310% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,278 |
| Loan loss allowance to noncurrent loans | 656.0000% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 1,546 |
| Noncurrent loans to loans | 0.1949% | 4,026 |
| Net loans and leases to total assets | 65.9029% | 3,167 |
| Net loans and leases to deposits | 73.9239% | 3,539 |
| Net loans and leases to core deposits | 85.6981% | 2,950 |
| Total domestic deposits to total assets | 89.1496% | 869 |
| Equity capital to assets | 10.6468% | 2,972 |
| Core capital (leverage) ratio | 10.8500% | 2,656 |
| Tier 1 risk-based capital ratio | 15.9405% | 2,460 |
| Total risk-based capital ratio | 17.1746% | 2,404 |
| Memoranda: | ||
| Average total assets | $178,713,000 | 3,108 |
| Average earning assets | $163,499,000 | 3,137 |
| Average equity | $18,045,330 | 3,326 |
| Average total loans | $115,273,670 | 3,089 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,075 |
| Cost of funding earning assets | 0.4793% | 2,972 |
| Net interest margin | 3.9550% | 1,860 |
| Noninterest income to average assets | 0.5088% | 2,754 |
| Noninterest expense to average assets | 2.5706% | 3,425 |
| Loan and lease loss provision to assets | 0.1983% | 841 |
| Net operating income to assets | 1.0296% | 2,734 |
| Return on assets (ROA) | 1.0331% | 2,741 |
| Pretax return on assets | 1.3613% | 2,142 |
| Return on Equity (ROE) | 10.5036% | 2,170 |
| Retained earnings to average equity (ytd only) | 10.5036% | 1,013 |
| Net charge-offs to loans | 0.0208% | 2,080 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 117.6667% | 532 |
| Efficiency ratio | 62.3065% | 3,731 |
| Assets per employee ($millions) | 3.9949% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,490 |
| Loan loss allowance to noncurrent loans | 482.4503% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 1,602 |
| Noncurrent loans to loans | 0.2601% | 3,829 |
| Net loans and leases to total assets | 63.7697% | 3,343 |
| Net loans and leases to deposits | 70.9810% | 3,701 |
| Net loans and leases to core deposits | 81.5305% | 3,180 |
| Total domestic deposits to total assets | 89.8405% | 722 |
| Equity capital to assets | 9.9993% | 3,593 |
| Core capital (leverage) ratio | 10.3117% | 3,177 |
| Tier 1 risk-based capital ratio | 15.0902% | 2,831 |
| Total risk-based capital ratio | 16.2711% | 2,785 |
| Memoranda: | ||
| Average total assets | $181,588,500 | 3,113 |
| Average earning assets | $166,067,500 | 3,137 |
| Average equity | $17,860,500 | 3,372 |
| Average total loans | $115,179,000 | 3,120 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 2,303 |
| Cost of funding earning assets | 0.3989% | 3,265 |
| Net interest margin | 3.9077% | 2,069 |
| Noninterest income to average assets | 0.5018% | 2,986 |
| Noninterest expense to average assets | 2.7379% | 3,006 |
| Loan and lease loss provision to assets | 0.1113% | 2,037 |
| Net operating income to assets | 0.7509% | 3,387 |
| Return on assets (ROA) | 0.7524% | 3,421 |
| Pretax return on assets | 1.2115% | 2,728 |
| Return on Equity (ROE) | 7.2348% | 3,157 |
| Retained earnings to average equity (ytd only) | 3.7553% | 2,975 |
| Net charge-offs to loans | 0.2941% | 890 |
| Credit loss provision to net charge-offs | 60.8974% | 3,203 |
| Earnings coverage of net charge-offs (x) | 7.2276% | 3,069 |
| Efficiency ratio | 67.4650% | 3,007 |
| Assets per employee ($millions) | 4.3668% | 3,381 |
| Cash dividends to net income (ytd only)* | 48.0934% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,767 |
| Loan loss allowance to noncurrent loans | 137.4374% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 1,071 |
| Noncurrent loans to loans | 0.8743% | 2,038 |
| Net loans and leases to total assets | 61.5512% | 3,671 |
| Net loans and leases to deposits | 68.1917% | 4,012 |
| Net loans and leases to core deposits | 78.0503% | 3,580 |
| Total domestic deposits to total assets | 90.2620% | 480 |
| Equity capital to assets | 9.6753% | 4,065 |
| Core capital (leverage) ratio | 10.4957% | 2,845 |
| Tier 1 risk-based capital ratio | 14.9214% | 2,883 |
| Total risk-based capital ratio | 16.0502% | 2,873 |
| Memoranda: | ||
| Average total assets | $170,785,800 | 3,236 |
| Average earning assets | $155,435,800 | 3,251 |
| Average equity | $17,761,400 | 3,397 |
| Average total loans | $106,069,000 | 3,247 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 2,249 |
| Cost of funding earning assets | 0.3853% | 3,331 |
| Net interest margin | 3.9188% | 1,974 |
| Noninterest income to average assets | 0.5090% | 2,976 |
| Noninterest expense to average assets | 2.6669% | 3,179 |
| Loan and lease loss provision to assets | 0.1034% | 2,046 |
| Net operating income to assets | 0.8267% | 3,404 |
| Return on assets (ROA) | 0.8272% | 3,437 |
| Pretax return on assets | 1.3068% | 2,450 |
| Return on Equity (ROE) | 7.8052% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.8052% | 1,299 |
| Net charge-offs to loans | 0.2935% | 726 |
| Credit loss provision to net charge-offs | 56.7686% | 2,842 |
| Earnings coverage of net charge-offs (x) | 7.7379% | 2,846 |
| Efficiency ratio | 65.4244% | 3,307 |
| Assets per employee ($millions) | 3.9101% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,362 |
| Loan loss allowance to noncurrent loans | 151.0823% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4008% | 1,110 |
| Noncurrent loans to loans | 0.8588% | 2,219 |
| Net loans and leases to total assets | 61.7229% | 3,679 |
| Net loans and leases to deposits | 69.2965% | 4,021 |
| Net loans and leases to core deposits | 79.9377% | 3,457 |
| Total domestic deposits to total assets | 89.0708% | 850 |
| Equity capital to assets | 10.6892% | 3,174 |
| Core capital (leverage) ratio | 11.0857% | 2,384 |
| Tier 1 risk-based capital ratio | 16.2968% | 2,379 |
| Total risk-based capital ratio | 17.5251% | 2,346 |
| Memoranda: | ||
| Average total assets | $167,631,000 | 3,301 |
| Average earning assets | $152,595,500 | 3,319 |
| Average equity | $17,765,500 | 3,429 |
| Average total loans | $104,021,000 | 3,307 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 2,269 |
| Cost of funding earning assets | 0.3688% | 3,393 |
| Net interest margin | 3.8859% | 1,987 |
| Noninterest income to average assets | 0.5224% | 2,880 |
| Noninterest expense to average assets | 2.6661% | 3,214 |
| Loan and lease loss provision to assets | 0.0843% | 2,302 |
| Net operating income to assets | 0.8450% | 3,179 |
| Return on assets (ROA) | 0.8450% | 3,224 |
| Pretax return on assets | 1.3228% | 2,298 |
| Return on Equity (ROE) | 7.9967% | 3,038 |
| Retained earnings to average equity (ytd only) | 7.9967% | 1,167 |
| Net charge-offs to loans | 0.4065% | 503 |
| Credit loss provision to net charge-offs | 33.4928% | 2,699 |
| Earnings coverage of net charge-offs (x) | 5.5933% | 2,809 |
| Efficiency ratio | 65.4551% | 3,442 |
| Assets per employee ($millions) | 3.7025% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,741 |
| Loan loss allowance to noncurrent loans | 177.9528% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3493% | 1,192 |
| Noncurrent loans to loans | 0.6982% | 2,657 |
| Net loans and leases to total assets | 64.6902% | 3,288 |
| Net loans and leases to deposits | 72.7326% | 3,671 |
| Net loans and leases to core deposits | 84.3304% | 3,035 |
| Total domestic deposits to total assets | 88.9425% | 987 |
| Equity capital to assets | 10.8360% | 2,990 |
| Core capital (leverage) ratio | 11.1347% | 2,285 |
| Tier 1 risk-based capital ratio | 15.8823% | 2,552 |
| Total risk-based capital ratio | 17.0667% | 2,514 |
| Memoranda: | ||
| Average total assets | $166,160,330 | 3,327 |
| Average earning assets | $151,830,000 | 3,348 |
| Average equity | $17,557,330 | 3,461 |
| Average total loans | $102,832,670 | 3,342 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 2,440 |
| Cost of funding earning assets | 0.3667% | 3,353 |
| Net interest margin | 3.7906% | 2,147 |
| Noninterest income to average assets | 0.5400% | 2,708 |
| Noninterest expense to average assets | 2.6613% | 3,275 |
| Loan and lease loss provision to assets | 0.0482% | 2,850 |
| Net operating income to assets | 0.8389% | 3,046 |
| Return on assets (ROA) | 0.8389% | 3,091 |
| Pretax return on assets | 1.2945% | 2,256 |
| Return on Equity (ROE) | 8.0421% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.0421% | 1,441 |
| Net charge-offs to loans | 0.7022% | 247 |
| Credit loss provision to net charge-offs | 11.4286% | 2,217 |
| Earnings coverage of net charge-offs (x) | 3.1829% | 2,505 |
| Efficiency ratio | 66.4660% | 3,415 |
| Assets per employee ($millions) | 3.7217% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,551 |
| Loan loss allowance to noncurrent loans | 242.7536% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 1,389 |
| Noncurrent loans to loans | 0.5345% | 3,207 |
| Net loans and leases to total assets | 62.2493% | 3,504 |
| Net loans and leases to deposits | 69.8490% | 3,813 |
| Net loans and leases to core deposits | 81.0935% | 3,188 |
| Total domestic deposits to total assets | 89.1198% | 1,096 |
| Equity capital to assets | 10.6891% | 2,974 |
| Core capital (leverage) ratio | 10.8451% | 2,548 |
| Tier 1 risk-based capital ratio | 16.2284% | 2,464 |
| Total risk-based capital ratio | 17.4452% | 2,418 |
| Memoranda: | ||
| Average total assets | $165,935,000 | 3,359 |
| Average earning assets | $151,637,500 | 3,378 |
| Average equity | $17,309,000 | 3,507 |
| Average total loans | $99,680,500 | 3,423 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 2,895 |
| Cost of funding earning assets | 0.3402% | 3,632 |
| Net interest margin | 3.7495% | 2,508 |
| Noninterest income to average assets | 0.5655% | 2,838 |
| Noninterest expense to average assets | 2.7269% | 3,259 |
| Loan and lease loss provision to assets | 0.0813% | 2,733 |
| Net operating income to assets | 0.7823% | 3,391 |
| Return on assets (ROA) | 0.7823% | 3,489 |
| Pretax return on assets | 1.1557% | 2,873 |
| Return on Equity (ROE) | 7.6198% | 3,160 |
| Retained earnings to average equity (ytd only) | 4.8746% | 2,428 |
| Net charge-offs to loans | -0.0133% | 5,014 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7937% | 3,107 |
| Assets per employee ($millions) | 3.6547% | 4,534 |
| Cash dividends to net income (ytd only)* | 36.0277% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,485 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 1,444 |
| Noncurrent loans to loans | 0.6224% | 2,981 |
| Net loans and leases to total assets | 56.2648% | 4,242 |
| Net loans and leases to deposits | 62.6820% | 4,493 |
| Net loans and leases to core deposits | 72.9358% | 4,016 |
| Total domestic deposits to total assets | 89.7623% | 742 |
| Equity capital to assets | 10.1800% | 3,508 |
| Core capital (leverage) ratio | 10.7146% | 2,637 |
| Tier 1 risk-based capital ratio | 16.6781% | 2,279 |
| Total risk-based capital ratio | 17.9307% | 2,220 |
| Memoranda: | ||
| Average total assets | $166,051,000 | 3,332 |
| Average earning assets | $150,499,200 | 3,365 |
| Average equity | $17,047,600 | 3,548 |
| Average total loans | $90,310,600 | 3,570 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 3,008 |
| Cost of funding earning assets | 0.3415% | 3,638 |
| Net interest margin | 3.7170% | 2,651 |
| Noninterest income to average assets | 0.5219% | 3,100 |
| Noninterest expense to average assets | 2.6298% | 3,567 |
| Loan and lease loss provision to assets | 0.1087% | 2,113 |
| Net operating income to assets | 0.7209% | 3,738 |
| Return on assets (ROA) | 0.7209% | 3,869 |
| Pretax return on assets | 1.1502% | 3,050 |
| Return on Equity (ROE) | 7.0066% | 3,557 |
| Retained earnings to average equity (ytd only) | 7.0066% | 1,629 |
| Net charge-offs to loans | 0.0285% | 3,090 |
| Credit loss provision to net charge-offs | 710.5263% | 555 |
| Earnings coverage of net charge-offs (x) | 82.2720% | 763 |
| Efficiency ratio | 67.6263% | 3,294 |
| Assets per employee ($millions) | 3.6680% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,527 |
| Loan loss allowance to noncurrent loans | 259.1150% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 1,436 |
| Noncurrent loans to loans | 0.6114% | 3,186 |
| Net loans and leases to total assets | 56.3550% | 4,268 |
| Net loans and leases to deposits | 63.3422% | 4,535 |
| Net loans and leases to core deposits | 74.5156% | 3,961 |
| Total domestic deposits to total assets | 88.9692% | 925 |
| Equity capital to assets | 10.8809% | 3,160 |
| Core capital (leverage) ratio | 10.9953% | 2,452 |
| Tier 1 risk-based capital ratio | 17.3591% | 2,115 |
| Total risk-based capital ratio | 18.6115% | 2,073 |
| Memoranda: | ||
| Average total assets | $165,535,250 | 3,354 |
| Average earning assets | $149,938,000 | 3,388 |
| Average equity | $17,031,000 | 3,577 |
| Average total loans | $88,867,250 | 3,621 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 3,180 |
| Cost of funding earning assets | 0.3452% | 3,617 |
| Net interest margin | 3.6732% | 2,808 |
| Noninterest income to average assets | 0.4949% | 3,232 |
| Noninterest expense to average assets | 2.5726% | 3,811 |
| Loan and lease loss provision to assets | 0.1078% | 2,059 |
| Net operating income to assets | 0.7153% | 3,717 |
| Return on assets (ROA) | 0.7153% | 3,873 |
| Pretax return on assets | 1.1419% | 3,028 |
| Return on Equity (ROE) | 7.0842% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.0842% | 1,563 |
| Net charge-offs to loans | -0.0365% | 5,225 |
| Credit loss provision to net charge-offs | -562.5000% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3041% | 3,483 |
| Assets per employee ($millions) | 3.4447% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,496 |
| Loan loss allowance to noncurrent loans | 262.9295% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.3423% | 1,489 |
| Noncurrent loans to loans | 0.6134% | 3,229 |
| Net loans and leases to total assets | 55.9726% | 4,316 |
| Net loans and leases to deposits | 62.9044% | 4,578 |
| Net loans and leases to core deposits | 73.7557% | 4,002 |
| Total domestic deposits to total assets | 88.9805% | 928 |
| Equity capital to assets | 10.8838% | 3,188 |
| Core capital (leverage) ratio | 10.8194% | 2,623 |
| Tier 1 risk-based capital ratio | 17.5368% | 2,058 |
| Total risk-based capital ratio | 18.7915% | 2,024 |
| Memoranda: | ||
| Average total assets | $166,916,000 | 3,355 |
| Average earning assets | $151,203,000 | 3,391 |
| Average equity | $16,854,330 | 3,607 |
| Average total loans | $87,684,000 | 3,655 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 3,727 |
| Cost of funding earning assets | 0.3520% | 3,583 |
| Net interest margin | 3.5093% | 3,439 |
| Noninterest income to average assets | 0.4651% | 3,373 |
| Noninterest expense to average assets | 2.4424% | 4,250 |
| Loan and lease loss provision to assets | 0.1052% | 1,948 |
| Net operating income to assets | 0.6941% | 3,745 |
| Return on assets (ROA) | 0.6941% | 3,853 |
| Pretax return on assets | 1.1102% | 3,053 |
| Return on Equity (ROE) | 7.1315% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.1315% | 1,828 |
| Net charge-offs to loans | 0.1851% | 1,055 |
| Credit loss provision to net charge-offs | 112.5000% | 1,497 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,757 |
| Efficiency ratio | 66.7732% | 3,671 |
| Assets per employee ($millions) | 3.7512% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,728 |
| Loan loss allowance to noncurrent loans | 67.9558% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 1,720 |
| Noncurrent loans to loans | 2.3049% | 867 |
| Net loans and leases to total assets | 51.5156% | 4,677 |
| Net loans and leases to deposits | 57.4735% | 4,889 |
| Net loans and leases to core deposits | 69.7969% | 4,255 |
| Total domestic deposits to total assets | 89.6336% | 762 |
| Equity capital to assets | 10.2434% | 3,801 |
| Core capital (leverage) ratio | 10.0418% | 3,484 |
| Tier 1 risk-based capital ratio | 17.6547% | 2,086 |
| Total risk-based capital ratio | 18.9058% | 2,047 |
| Memoranda: | ||
| Average total assets | $171,146,000 | 3,314 |
| Average earning assets | $155,701,000 | 3,343 |
| Average equity | $16,658,500 | 3,636 |
| Average total loans | $86,453,000 | 3,694 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 3,938 |
| Cost of funding earning assets | 0.4169% | 2,979 |
| Net interest margin | 3.4161% | 3,846 |
| Noninterest income to average assets | 0.5608% | 2,961 |
| Noninterest expense to average assets | 2.4893% | 4,255 |
| Loan and lease loss provision to assets | 0.1037% | 2,256 |
| Net operating income to assets | 0.7037% | 3,791 |
| Return on assets (ROA) | 0.7037% | 3,900 |
| Pretax return on assets | 1.0472% | 3,280 |
| Return on Equity (ROE) | 7.6520% | 3,158 |
| Retained earnings to average equity (ytd only) | 4.7441% | 2,614 |
| Net charge-offs to loans | 0.3047% | 988 |
| Credit loss provision to net charge-offs | 67.9245% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.5358% | 3,069 |
| Efficiency ratio | 68.3819% | 3,493 |
| Assets per employee ($millions) | 4.0273% | 3,884 |
| Cash dividends to net income (ytd only)* | 38.0016% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 1,769 |
| Loan loss allowance to noncurrent loans | 63.8560% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.2432% | 1,726 |
| Noncurrent loans to loans | 2.4398% | 769 |
| Net loans and leases to total assets | 48.0675% | 5,008 |
| Net loans and leases to deposits | 52.9905% | 5,216 |
| Net loans and leases to core deposits | 63.2421% | 4,782 |
| Total domestic deposits to total assets | 90.7095% | 371 |
| Equity capital to assets | 9.2640% | 4,827 |
| Core capital (leverage) ratio | 9.8312% | 3,735 |
| Tier 1 risk-based capital ratio | 17.1139% | 2,244 |
| Total risk-based capital ratio | 18.3653% | 2,198 |
| Memoranda: | ||
| Average total assets | $173,505,600 | 3,252 |
| Average earning assets | $156,406,000 | 3,308 |
| Average equity | $15,956,600 | 3,682 |
| Average total loans | $86,965,400 | 3,650 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 3,861 |
| Cost of funding earning assets | 0.4319% | 2,882 |
| Net interest margin | 3.4362% | 3,813 |
| Noninterest income to average assets | 0.5184% | 3,236 |
| Noninterest expense to average assets | 2.3949% | 4,526 |
| Loan and lease loss provision to assets | 0.1043% | 2,122 |
| Net operating income to assets | 0.7023% | 3,893 |
| Return on assets (ROA) | 0.7023% | 4,007 |
| Pretax return on assets | 1.1171% | 3,150 |
| Return on Equity (ROE) | 7.6505% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.6505% | 1,392 |
| Net charge-offs to loans | 0.2863% | 928 |
| Credit loss provision to net charge-offs | 72.1925% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.4545% | 2,818 |
| Efficiency ratio | 66.2252% | 3,858 |
| Assets per employee ($millions) | 3.6888% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,928 |
| Loan loss allowance to noncurrent loans | 249.2780% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 4,242 |
| Noncurrent loans to loans | 0.6266% | 3,443 |
| Net loans and leases to total assets | 51.2933% | 4,826 |
| Net loans and leases to deposits | 57.0125% | 5,071 |
| Net loans and leases to core deposits | 68.4081% | 4,509 |
| Total domestic deposits to total assets | 89.9685% | 581 |
| Equity capital to assets | 9.8312% | 4,360 |
| Core capital (leverage) ratio | 9.6815% | 4,052 |
| Tier 1 risk-based capital ratio | 17.0296% | 2,366 |
| Total risk-based capital ratio | 18.2816% | 2,312 |
| Memoranda: | ||
| Average total assets | $172,581,250 | 3,291 |
| Average earning assets | $155,592,500 | 3,348 |
| Average equity | $15,841,750 | 3,737 |
| Average total loans | $87,075,500 | 3,698 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 4,081 |
| Cost of funding earning assets | 0.4353% | 2,896 |
| Net interest margin | 3.3617% | 4,049 |
| Noninterest income to average assets | 0.5117% | 3,293 |
| Noninterest expense to average assets | 2.3625% | 4,686 |
| Loan and lease loss provision to assets | 0.1037% | 2,094 |
| Net operating income to assets | 0.6719% | 4,023 |
| Return on assets (ROA) | 0.6719% | 4,132 |
| Pretax return on assets | 1.0718% | 3,292 |
| Return on Equity (ROE) | 7.4928% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.4928% | 1,481 |
| Net charge-offs to loans | 0.5264% | 469 |
| Credit loss provision to net charge-offs | 39.4737% | 2,824 |
| Earnings coverage of net charge-offs (x) | 4.4737% | 3,037 |
| Efficiency ratio | 66.7752% | 3,872 |
| Assets per employee ($millions) | 3.7370% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 2,506 |
| Loan loss allowance to noncurrent loans | 115.0089% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 3,271 |
| Noncurrent loans to loans | 1.2619% | 2,137 |
| Net loans and leases to total assets | 51.1530% | 4,833 |
| Net loans and leases to deposits | 56.4833% | 5,092 |
| Net loans and leases to core deposits | 68.4386% | 4,458 |
| Total domestic deposits to total assets | 90.5631% | 430 |
| Equity capital to assets | 9.2880% | 4,909 |
| Core capital (leverage) ratio | 9.4812% | 4,307 |
| Tier 1 risk-based capital ratio | 17.0483% | 2,384 |
| Total risk-based capital ratio | 18.2997% | 2,328 |
| Memoranda: | ||
| Average total assets | $173,546,670 | 3,299 |
| Average earning assets | $156,229,670 | 3,358 |
| Average equity | $15,561,670 | 3,801 |
| Average total loans | $86,628,000 | 3,719 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,169 |
| Cost of funding earning assets | 0.4390% | 2,886 |
| Net interest margin | 3.3195% | 4,135 |
| Noninterest income to average assets | 0.5024% | 3,269 |
| Noninterest expense to average assets | 2.3513% | 4,735 |
| Loan and lease loss provision to assets | 0.1032% | 1,975 |
| Net operating income to assets | 0.6331% | 4,129 |
| Return on assets (ROA) | 0.6331% | 4,250 |
| Pretax return on assets | 1.0139% | 3,440 |
| Return on Equity (ROE) | 7.1877% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.1877% | 1,929 |
| Net charge-offs to loans | 0.5391% | 461 |
| Credit loss provision to net charge-offs | 39.1304% | 2,193 |
| Earnings coverage of net charge-offs (x) | 4.2348% | 2,518 |
| Efficiency ratio | 67.7910% | 3,859 |
| Assets per employee ($millions) | 3.9030% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 2,123 |
| Loan loss allowance to noncurrent loans | 125.3910% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 3,474 |
| Noncurrent loans to loans | 1.2599% | 2,270 |
| Net loans and leases to total assets | 48.3463% | 4,997 |
| Net loans and leases to deposits | 53.2329% | 5,252 |
| Net loans and leases to core deposits | 64.8431% | 4,620 |
| Total domestic deposits to total assets | 90.8203% | 428 |
| Equity capital to assets | 8.9429% | 5,357 |
| Core capital (leverage) ratio | 9.1809% | 4,744 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,492 |
| Total risk-based capital ratio | 18.2063% | 2,447 |
| Memoranda: | ||
| Average total assets | $174,370,000 | 3,307 |
| Average earning assets | $155,807,000 | 3,382 |
| Average equity | $15,359,500 | 3,863 |
| Average total loans | $85,328,500 | 3,764 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,719 |
| Cost of funding earning assets | 0.4656% | 3,016 |
| Net interest margin | 3.5377% | 3,651 |
| Noninterest income to average assets | 0.6041% | 2,833 |
| Noninterest expense to average assets | 2.6180% | 4,150 |
| Loan and lease loss provision to assets | 0.0488% | 3,593 |
| Net operating income to assets | 0.7573% | 3,588 |
| Return on assets (ROA) | 0.7573% | 3,691 |
| Pretax return on assets | 1.1277% | 2,977 |
| Return on Equity (ROE) | 8.6632% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.4241% | 2,314 |
| Net charge-offs to loans | 0.0996% | 3,086 |
| Credit loss provision to net charge-offs | 90.9091% | 2,628 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,650 |
| Efficiency ratio | 68.9932% | 3,715 |
| Assets per employee ($millions) | 3.6063% | 4,705 |
| Cash dividends to net income (ytd only)* | 37.3892% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 1,777 |
| Loan loss allowance to noncurrent loans | 109.9770% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 3,190 |
| Noncurrent loans to loans | 1.5442% | 1,897 |
| Net loans and leases to total assets | 47.9177% | 5,165 |
| Net loans and leases to deposits | 52.5400% | 5,443 |
| Net loans and leases to core deposits | 62.3877% | 4,970 |
| Total domestic deposits to total assets | 91.2023% | 305 |
| Equity capital to assets | 8.6723% | 5,593 |
| Core capital (leverage) ratio | 9.3266% | 4,501 |
| Tier 1 risk-based capital ratio | 17.0243% | 2,506 |
| Total risk-based capital ratio | 18.2780% | 2,454 |
| Memoranda: | ||
| Average total assets | $163,867,800 | 3,427 |
| Average earning assets | $147,779,600 | 3,478 |
| Average equity | $14,325,000 | 3,973 |
| Average total loans | $88,359,000 | 3,668 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 3,597 |
| Cost of funding earning assets | 0.4707% | 3,048 |
| Net interest margin | 3.5694% | 3,557 |
| Noninterest income to average assets | 0.5703% | 3,067 |
| Noninterest expense to average assets | 2.5666% | 4,300 |
| Loan and lease loss provision to assets | 0.0660% | 3,028 |
| Net operating income to assets | 0.7609% | 3,620 |
| Return on assets (ROA) | 0.7609% | 3,713 |
| Pretax return on assets | 1.1793% | 2,862 |
| Return on Equity (ROE) | 8.6856% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.6856% | 1,103 |
| Net charge-offs to loans | 0.0761% | 3,113 |
| Credit loss provision to net charge-offs | 156.8627% | 1,526 |
| Earnings coverage of net charge-offs (x) | 29.5875% | 1,382 |
| Efficiency ratio | 67.3306% | 3,985 |
| Assets per employee ($millions) | 3.4038% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 1,911 |
| Loan loss allowance to noncurrent loans | 232.2275% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 4,612 |
| Noncurrent loans to loans | 0.7404% | 3,757 |
| Net loans and leases to total assets | 50.3813% | 4,962 |
| Net loans and leases to deposits | 55.4593% | 5,280 |
| Net loans and leases to core deposits | 66.8741% | 4,619 |
| Total domestic deposits to total assets | 90.8438% | 404 |
| Equity capital to assets | 8.9253% | 5,435 |
| Core capital (leverage) ratio | 9.5988% | 4,245 |
| Tier 1 risk-based capital ratio | 17.2917% | 2,482 |
| Total risk-based capital ratio | 18.5461% | 2,437 |
| Memoranda: | ||
| Average total assets | $161,559,000 | 3,502 |
| Average earning assets | $146,724,000 | 3,524 |
| Average equity | $14,153,250 | 4,022 |
| Average total loans | $89,353,750 | 3,675 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 3,325 |
| Cost of funding earning assets | 0.4745% | 3,068 |
| Net interest margin | 3.6293% | 3,236 |
| Noninterest income to average assets | 0.5757% | 2,955 |
| Noninterest expense to average assets | 2.6255% | 4,156 |
| Loan and lease loss provision to assets | 0.1001% | 2,353 |
| Net operating income to assets | 0.7346% | 3,649 |
| Return on assets (ROA) | 0.7346% | 3,743 |
| Pretax return on assets | 1.1526% | 2,869 |
| Return on Equity (ROE) | 8.4406% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.4406% | 1,158 |
| Net charge-offs to loans | 0.0530% | 3,209 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 41.7083% | 1,026 |
| Efficiency ratio | 67.6993% | 4,062 |
| Assets per employee ($millions) | 3.3907% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 2,063 |
| Loan loss allowance to noncurrent loans | 242.6256% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 4,911 |
| Noncurrent loans to loans | 0.7104% | 3,931 |
| Net loans and leases to total assets | 51.3723% | 4,810 |
| Net loans and leases to deposits | 56.4172% | 5,161 |
| Net loans and leases to core deposits | 70.1115% | 4,259 |
| Total domestic deposits to total assets | 91.0579% | 398 |
| Equity capital to assets | 8.7309% | 5,589 |
| Core capital (leverage) ratio | 9.7928% | 3,897 |
| Tier 1 risk-based capital ratio | 16.6548% | 2,761 |
| Total risk-based capital ratio | 17.9100% | 2,723 |
| Memoranda: | ||
| Average total assets | $159,817,330 | 3,536 |
| Average earning assets | $145,427,000 | 3,577 |
| Average equity | $13,909,000 | 4,061 |
| Average total loans | $90,639,000 | 3,667 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 2,890 |
| Cost of funding earning assets | 0.4800% | 3,105 |
| Net interest margin | 3.7163% | 2,802 |
| Noninterest income to average assets | 0.5924% | 2,780 |
| Noninterest expense to average assets | 2.5611% | 4,410 |
| Loan and lease loss provision to assets | 0.1532% | 1,580 |
| Net operating income to assets | 0.7941% | 3,183 |
| Return on assets (ROA) | 0.7941% | 3,258 |
| Pretax return on assets | 1.2588% | 2,252 |
| Return on Equity (ROE) | 9.1400% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.1400% | 1,207 |
| Net charge-offs to loans | 0.0086% | 3,452 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 276.5000% | 170 |
| Efficiency ratio | 64.4602% | 4,786 |
| Assets per employee ($millions) | 3.4568% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,640 |
| Loan loss allowance to noncurrent loans | 165.4525% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 4,402 |
| Noncurrent loans to loans | 0.9752% | 3,477 |
| Net loans and leases to total assets | 58.7608% | 3,731 |
| Net loans and leases to deposits | 64.7668% | 4,234 |
| Net loans and leases to core deposits | 77.3408% | 3,271 |
| Total domestic deposits to total assets | 90.7268% | 677 |
| Equity capital to assets | 9.0565% | 5,049 |
| Core capital (leverage) ratio | 9.8684% | 3,761 |
| Tier 1 risk-based capital ratio | 14.2588% | 4,158 |
| Total risk-based capital ratio | 15.5105% | 4,104 |
| Memoranda: | ||
| Average total assets | $156,653,000 | 3,615 |
| Average earning assets | $142,508,500 | 3,640 |
| Average equity | $13,610,500 | 4,127 |
| Average total loans | $92,533,500 | 3,643 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 2,806 |
| Cost of funding earning assets | 0.5185% | 3,409 |
| Net interest margin | 3.8218% | 2,567 |
| Noninterest income to average assets | 0.8034% | 2,069 |
| Noninterest expense to average assets | 2.6053% | 4,443 |
| Loan and lease loss provision to assets | 0.1839% | 2,002 |
| Net operating income to assets | 0.9814% | 2,418 |
| Return on assets (ROA) | 0.9880% | 2,449 |
| Pretax return on assets | 1.4761% | 1,528 |
| Return on Equity (ROE) | 11.0427% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.6359% | 1,176 |
| Net charge-offs to loans | 0.2549% | 2,443 |
| Credit loss provision to net charge-offs | 120.6897% | 1,976 |
| Earnings coverage of net charge-offs (x) | 10.8276% | 2,312 |
| Efficiency ratio | 61.2226% | 5,326 |
| Assets per employee ($millions) | 3.3564% | 5,183 |
| Cash dividends to net income (ytd only)* | 30.8511% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 2,909 |
| Loan loss allowance to noncurrent loans | 232.4194% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 5,075 |
| Noncurrent loans to loans | 0.6727% | 4,294 |
| Net loans and leases to total assets | 57.5094% | 4,122 |
| Net loans and leases to deposits | 62.9242% | 4,618 |
| Net loans and leases to core deposits | 72.9667% | 3,953 |
| Total domestic deposits to total assets | 91.3946% | 439 |
| Equity capital to assets | 8.3252% | 5,763 |
| Core capital (leverage) ratio | 10.0330% | 3,515 |
| Tier 1 risk-based capital ratio | 13.9654% | 4,316 |
| Total risk-based capital ratio | 15.2166% | 4,254 |
| Memoranda: | ||
| Average total assets | $152,225,400 | 3,670 |
| Average earning assets | $137,500,200 | 3,703 |
| Average equity | $13,619,800 | 4,140 |
| Average total loans | $91,026,000 | 3,667 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 2,760 |
| Cost of funding earning assets | 0.5234% | 3,532 |
| Net interest margin | 3.8311% | 2,536 |
| Noninterest income to average assets | 0.8468% | 1,952 |
| Noninterest expense to average assets | 2.5111% | 4,681 |
| Loan and lease loss provision to assets | 0.1945% | 1,872 |
| Net operating income to assets | 0.9881% | 2,428 |
| Return on assets (ROA) | 0.9988% | 2,467 |
| Pretax return on assets | 1.6131% | 1,312 |
| Return on Equity (ROE) | 10.9641% | 1,832 |
| Retained earnings to average equity (ytd only) | 10.9641% | 584 |
| Net charge-offs to loans | 0.1499% | 3,046 |
| Credit loss provision to net charge-offs | 215.6863% | 1,123 |
| Earnings coverage of net charge-offs (x) | 19.8623% | 1,615 |
| Efficiency ratio | 58.3727% | 5,642 |
| Assets per employee ($millions) | 3.4278% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 2,813 |
| Loan loss allowance to noncurrent loans | 103.2104% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 3,772 |
| Noncurrent loans to loans | 1.5950% | 2,780 |
| Net loans and leases to total assets | 58.5261% | 3,918 |
| Net loans and leases to deposits | 64.4157% | 4,471 |
| Net loans and leases to core deposits | 74.1316% | 3,829 |
| Total domestic deposits to total assets | 90.8570% | 591 |
| Equity capital to assets | 8.7482% | 5,470 |
| Core capital (leverage) ratio | 10.0262% | 3,645 |
| Tier 1 risk-based capital ratio | 14.2089% | 4,280 |
| Total risk-based capital ratio | 15.4697% | 4,220 |
| Memoranda: | ||
| Average total assets | $150,844,250 | 3,723 |
| Average earning assets | $136,041,250 | 3,760 |
| Average equity | $13,741,500 | 4,165 |
| Average total loans | $90,742,000 | 3,701 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,952 |
| Cost of funding earning assets | 0.5234% | 3,670 |
| Net interest margin | 3.7760% | 2,653 |
| Noninterest income to average assets | 0.9726% | 1,600 |
| Noninterest expense to average assets | 2.4982% | 4,739 |
| Loan and lease loss provision to assets | 0.2137% | 1,766 |
| Net operating income to assets | 1.0378% | 2,165 |
| Return on assets (ROA) | 1.0540% | 2,217 |
| Pretax return on assets | 1.7073% | 1,096 |
| Return on Equity (ROE) | 11.4149% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.4149% | 581 |
| Net charge-offs to loans | 0.1195% | 3,173 |
| Credit loss provision to net charge-offs | 296.2963% | 879 |
| Earnings coverage of net charge-offs (x) | 26.2778% | 1,244 |
| Efficiency ratio | 56.8562% | 5,866 |
| Assets per employee ($millions) | 3.2006% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 2,826 |
| Loan loss allowance to noncurrent loans | 307.8029% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 5,504 |
| Noncurrent loans to loans | 0.5481% | 4,886 |
| Net loans and leases to total assets | 58.0678% | 3,972 |
| Net loans and leases to deposits | 64.0360% | 4,499 |
| Net loans and leases to core deposits | 76.4496% | 3,489 |
| Total domestic deposits to total assets | 90.6798% | 669 |
| Equity capital to assets | 8.8608% | 5,377 |
| Core capital (leverage) ratio | 9.9115% | 3,642 |
| Tier 1 risk-based capital ratio | 14.5409% | 4,075 |
| Total risk-based capital ratio | 15.8031% | 4,039 |
| Memoranda: | ||
| Average total assets | $149,709,330 | 3,780 |
| Average earning assets | $135,645,670 | 3,797 |
| Average equity | $13,824,000 | 4,186 |
| Average total loans | $90,393,670 | 3,716 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 2,970 |
| Cost of funding earning assets | 0.5303% | 3,772 |
| Net interest margin | 3.7507% | 2,660 |
| Noninterest income to average assets | 0.7071% | 2,554 |
| Noninterest expense to average assets | 2.5363% | 4,623 |
| Loan and lease loss provision to assets | 0.2410% | 1,505 |
| Net operating income to assets | 0.8035% | 3,142 |
| Return on assets (ROA) | 0.8035% | 3,275 |
| Pretax return on assets | 1.3391% | 2,079 |
| Return on Equity (ROE) | 8.5279% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.5279% | 1,550 |
| Net charge-offs to loans | 0.0878% | 2,963 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 966 |
| Efficiency ratio | 61.6135% | 5,358 |
| Assets per employee ($millions) | 3.3883% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 3,451 |
| Loan loss allowance to noncurrent loans | 467.4121% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 5,937 |
| Noncurrent loans to loans | 0.3396% | 5,555 |
| Net loans and leases to total assets | 60.8406% | 3,279 |
| Net loans and leases to deposits | 67.4884% | 3,840 |
| Net loans and leases to core deposits | 78.3544% | 3,009 |
| Total domestic deposits to total assets | 90.1498% | 961 |
| Equity capital to assets | 9.4800% | 4,878 |
| Core capital (leverage) ratio | 9.6645% | 3,831 |
| Tier 1 risk-based capital ratio | 14.0448% | 4,478 |
| Total risk-based capital ratio | 15.3064% | 4,424 |
| Memoranda: | ||
| Average total assets | $149,351,000 | 3,822 |
| Average earning assets | $135,761,500 | 3,834 |
| Average equity | $14,071,500 | 4,185 |
| Average total loans | $91,166,500 | 3,716 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 3,344 |
| Cost of funding earning assets | 0.5967% | 4,392 |
| Net interest margin | 3.9162% | 2,759 |
| Noninterest income to average assets | 0.7286% | 2,595 |
| Noninterest expense to average assets | 2.7932% | 4,044 |
| Loan and lease loss provision to assets | 0.2018% | 3,120 |
| Net operating income to assets | 0.8689% | 2,962 |
| Return on assets (ROA) | 0.9394% | 2,852 |
| Pretax return on assets | 1.3813% | 2,105 |
| Return on Equity (ROE) | 9.7937% | 2,263 |
| Retained earnings to average equity (ytd only) | 6.4276% | 1,853 |
| Net charge-offs to loans | 0.3480% | 2,896 |
| Credit loss provision to net charge-offs | 93.5484% | 3,329 |
| Earnings coverage of net charge-offs (x) | 6.8581% | 2,720 |
| Efficiency ratio | 65.3746% | 4,633 |
| Assets per employee ($millions) | 3.4004% | 5,216 |
| Cash dividends to net income (ytd only)* | 34.3704% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,544 |
| Loan loss allowance to noncurrent loans | 400.2874% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 5,972 |
| Noncurrent loans to loans | 0.3860% | 5,528 |
| Net loans and leases to total assets | 59.3334% | 3,716 |
| Net loans and leases to deposits | 65.6860% | 4,333 |
| Net loans and leases to core deposits | 74.5336% | 3,715 |
| Total domestic deposits to total assets | 90.3288% | 783 |
| Equity capital to assets | 9.3638% | 5,050 |
| Core capital (leverage) ratio | 9.6763% | 3,849 |
| Tier 1 risk-based capital ratio | 14.0927% | 4,315 |
| Total risk-based capital ratio | 15.3535% | 4,263 |
| Memoranda: | ||
| Average total assets | $143,707,000 | 3,885 |
| Average earning assets | $130,049,000 | 3,895 |
| Average equity | $13,784,400 | 4,205 |
| Average total loans | $89,085,200 | 3,769 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 3,404 |
| Cost of funding earning assets | 0.6245% | 4,415 |
| Net interest margin | 3.9311% | 2,797 |
| Noninterest income to average assets | 0.7124% | 2,646 |
| Noninterest expense to average assets | 2.7017% | 4,360 |
| Loan and lease loss provision to assets | 0.1875% | 3,246 |
| Net operating income to assets | 0.8509% | 3,212 |
| Return on assets (ROA) | 0.9402% | 3,018 |
| Pretax return on assets | 1.5215% | 1,802 |
| Return on Equity (ROE) | 9.7414% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.7414% | 983 |
| Net charge-offs to loans | 0.3558% | 2,679 |
| Credit loss provision to net charge-offs | 84.3882% | 3,485 |
| Earnings coverage of net charge-offs (x) | 7.0633% | 2,667 |
| Efficiency ratio | 63.2572% | 4,934 |
| Assets per employee ($millions) | 3.0960% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 4,020 |
| Loan loss allowance to noncurrent loans | 454.1254% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 6,178 |
| Noncurrent loans to loans | 0.3268% | 5,820 |
| Net loans and leases to total assets | 64.1470% | 3,004 |
| Net loans and leases to deposits | 71.5701% | 3,666 |
| Net loans and leases to core deposits | 81.7619% | 2,995 |
| Total domestic deposits to total assets | 89.6282% | 1,056 |
| Equity capital to assets | 9.9666% | 4,536 |
| Core capital (leverage) ratio | 9.9120% | 3,679 |
| Tier 1 risk-based capital ratio | 14.4707% | 4,205 |
| Total risk-based capital ratio | 15.7322% | 4,167 |
| Memoranda: | ||
| Average total assets | $142,229,000 | 3,954 |
| Average earning assets | $128,748,750 | 3,963 |
| Average equity | $13,728,000 | 4,258 |
| Average total loans | $88,814,750 | 3,822 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 3,388 |
| Cost of funding earning assets | 0.6433% | 4,501 |
| Net interest margin | 3.9512% | 2,714 |
| Noninterest income to average assets | 0.7189% | 2,557 |
| Noninterest expense to average assets | 2.6420% | 4,639 |
| Loan and lease loss provision to assets | 0.1688% | 3,415 |
| Net operating income to assets | 0.9256% | 2,782 |
| Return on assets (ROA) | 0.9904% | 2,738 |
| Pretax return on assets | 1.5869% | 1,581 |
| Return on Equity (ROE) | 10.3738% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.3738% | 877 |
| Net charge-offs to loans | 0.0366% | 4,869 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 548 |
| Efficiency ratio | 61.4931% | 5,333 |
| Assets per employee ($millions) | 3.0998% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 3,227 |
| Loan loss allowance to noncurrent loans | 376.4268% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 6,068 |
| Noncurrent loans to loans | 0.4515% | 5,632 |
| Net loans and leases to total assets | 61.5370% | 3,525 |
| Net loans and leases to deposits | 68.5208% | 4,118 |
| Net loans and leases to core deposits | 80.0418% | 3,216 |
| Total domestic deposits to total assets | 89.8078% | 1,041 |
| Equity capital to assets | 9.8037% | 4,619 |
| Core capital (leverage) ratio | 9.7914% | 3,728 |
| Tier 1 risk-based capital ratio | 14.1406% | 4,347 |
| Total risk-based capital ratio | 15.4039% | 4,306 |
| Memoranda: | ||
| Average total assets | $142,167,000 | 3,966 |
| Average earning assets | $128,720,000 | 3,982 |
| Average equity | $13,572,670 | 4,284 |
| Average total loans | $87,509,330 | 3,869 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 3,852 |
| Cost of funding earning assets | 0.6508% | 4,730 |
| Net interest margin | 3.8643% | 3,077 |
| Noninterest income to average assets | 0.7383% | 2,452 |
| Noninterest expense to average assets | 2.6121% | 4,777 |
| Loan and lease loss provision to assets | 0.1691% | 3,279 |
| Net operating income to assets | 0.9071% | 2,883 |
| Return on assets (ROA) | 1.0369% | 2,528 |
| Pretax return on assets | 1.6569% | 1,417 |
| Return on Equity (ROE) | 11.0101% | 2,012 |
| Retained earnings to average equity (ytd only) | 11.0101% | 1,021 |
| Net charge-offs to loans | -0.0185% | 6,156 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6766% | 5,336 |
| Assets per employee ($millions) | 3.1263% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 3,361 |
| Loan loss allowance to noncurrent loans | 568.0769% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 6,430 |
| Noncurrent loans to loans | 0.2988% | 6,074 |
| Net loans and leases to total assets | 59.4711% | 3,783 |
| Net loans and leases to deposits | 65.9317% | 4,390 |
| Net loans and leases to core deposits | 78.1545% | 3,304 |
| Total domestic deposits to total assets | 90.2010% | 974 |
| Equity capital to assets | 9.3449% | 5,037 |
| Core capital (leverage) ratio | 9.5654% | 3,965 |
| Tier 1 risk-based capital ratio | 13.7540% | 4,640 |
| Total risk-based capital ratio | 15.0163% | 4,621 |
| Memoranda: | ||
| Average total assets | $141,956,000 | 4,002 |
| Average earning assets | $128,456,500 | 4,014 |
| Average equity | $13,369,500 | 4,335 |
| Average total loans | $86,633,000 | 3,919 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 4,909 |
| Cost of funding earning assets | 0.7779% | 5,017 |
| Net interest margin | 3.7635% | 4,014 |
| Noninterest income to average assets | 0.8512% | 1,839 |
| Noninterest expense to average assets | 2.6759% | 4,834 |
| Loan and lease loss provision to assets | 0.2430% | 3,774 |
| Net operating income to assets | 0.9013% | 2,595 |
| Return on assets (ROA) | 0.9013% | 2,729 |
| Pretax return on assets | 1.3451% | 1,966 |
| Return on Equity (ROE) | 9.7881% | 2,132 |
| Retained earnings to average equity (ytd only) | 6.1864% | 1,914 |
| Net charge-offs to loans | 0.2845% | 4,000 |
| Credit loss provision to net charge-offs | 141.0788% | 2,081 |
| Earnings coverage of net charge-offs (x) | 9.2199% | 2,014 |
| Efficiency ratio | 62.7556% | 5,337 |
| Assets per employee ($millions) | 2.9809% | 6,125 |
| Cash dividends to net income (ytd only)* | 36.7962% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,428 |
| Loan loss allowance to noncurrent loans | 215.7252% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 5,792 |
| Noncurrent loans to loans | 0.7593% | 5,174 |
| Net loans and leases to total assets | 60.5635% | 3,879 |
| Net loans and leases to deposits | 67.1351% | 4,565 |
| Net loans and leases to core deposits | 78.4073% | 3,636 |
| Total domestic deposits to total assets | 90.2113% | 875 |
| Equity capital to assets | 9.4932% | 4,900 |
| Core capital (leverage) ratio | 9.4617% | 4,089 |
| Tier 1 risk-based capital ratio | 15.1663% | 3,535 |
| Total risk-based capital ratio | 16.4315% | 3,491 |
| Memoranda: | ||
| Average total assets | $139,914,200 | 3,976 |
| Average earning assets | $126,876,000 | 3,997 |
| Average equity | $12,883,000 | 4,360 |
| Average total loans | $84,724,800 | 4,007 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 5,077 |
| Cost of funding earning assets | 0.8164% | 5,041 |
| Net interest margin | 3.7361% | 4,184 |
| Noninterest income to average assets | 0.8074% | 2,021 |
| Noninterest expense to average assets | 2.5957% | 5,092 |
| Loan and lease loss provision to assets | 0.1716% | 4,320 |
| Net operating income to assets | 0.8856% | 2,798 |
| Return on assets (ROA) | 0.8856% | 2,953 |
| Pretax return on assets | 1.4299% | 1,849 |
| Return on Equity (ROE) | 9.6930% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.6930% | 928 |
| Net charge-offs to loans | 0.2893% | 3,644 |
| Credit loss provision to net charge-offs | 98.3607% | 3,473 |
| Earnings coverage of net charge-offs (x) | 9.1805% | 2,085 |
| Efficiency ratio | 61.8442% | 5,433 |
| Assets per employee ($millions) | 2.9749% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 3,921 |
| Loan loss allowance to noncurrent loans | 215.9802% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6078% | 3,671 |
| Noncurrent loans to loans | 0.7123% | 5,452 |
| Net loans and leases to total assets | 60.0133% | 4,123 |
| Net loans and leases to deposits | 66.7685% | 4,790 |
| Net loans and leases to core deposits | 78.2122% | 3,870 |
| Total domestic deposits to total assets | 89.8826% | 933 |
| Equity capital to assets | 9.6460% | 4,860 |
| Core capital (leverage) ratio | 9.5743% | 4,030 |
| Tier 1 risk-based capital ratio | 13.8017% | 4,498 |
| Total risk-based capital ratio | 15.0628% | 4,454 |
| Memoranda: | ||
| Average total assets | $139,867,500 | 3,998 |
| Average earning assets | $126,902,500 | 4,014 |
| Average equity | $12,778,750 | 4,387 |
| Average total loans | $84,340,250 | 4,050 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 5,313 |
| Cost of funding earning assets | 0.8610% | 4,978 |
| Net interest margin | 3.6532% | 4,504 |
| Noninterest income to average assets | 0.8092% | 1,973 |
| Noninterest expense to average assets | 2.5979% | 5,192 |
| Loan and lease loss provision to assets | 0.1716% | 4,212 |
| Net operating income to assets | 0.8378% | 2,911 |
| Return on assets (ROA) | 0.8378% | 3,018 |
| Pretax return on assets | 1.3583% | 1,932 |
| Return on Equity (ROE) | 9.3441% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.3441% | 1,000 |
| Net charge-offs to loans | 0.1690% | 4,166 |
| Credit loss provision to net charge-offs | 169.0141% | 1,786 |
| Earnings coverage of net charge-offs (x) | 15.0704% | 1,432 |
| Efficiency ratio | 62.9373% | 5,415 |
| Assets per employee ($millions) | 2.8922% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 3,733 |
| Loan loss allowance to noncurrent loans | 175.1928% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 5,804 |
| Noncurrent loans to loans | 0.9076% | 5,148 |
| Net loans and leases to total assets | 60.7661% | 4,132 |
| Net loans and leases to deposits | 67.4082% | 4,797 |
| Net loans and leases to core deposits | 79.9291% | 3,796 |
| Total domestic deposits to total assets | 90.1465% | 899 |
| Equity capital to assets | 9.3694% | 5,041 |
| Core capital (leverage) ratio | 9.3705% | 4,155 |
| Tier 1 risk-based capital ratio | 13.5809% | 4,470 |
| Total risk-based capital ratio | 14.8431% | 4,442 |
| Memoranda: | ||
| Average total assets | $139,883,670 | 4,030 |
| Average earning assets | $127,065,000 | 4,044 |
| Average equity | $12,542,670 | 4,425 |
| Average total loans | $84,046,670 | 4,092 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 5,453 |
| Cost of funding earning assets | 0.8988% | 4,930 |
| Net interest margin | 3.5699% | 4,720 |
| Noninterest income to average assets | 0.8062% | 2,007 |
| Noninterest expense to average assets | 2.5439% | 5,409 |
| Loan and lease loss provision to assets | 0.1709% | 3,921 |
| Net operating income to assets | 0.8090% | 2,984 |
| Return on assets (ROA) | 0.8090% | 3,048 |
| Pretax return on assets | 1.3161% | 1,989 |
| Return on Equity (ROE) | 9.2279% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.2279% | 1,311 |
| Net charge-offs to loans | -0.0192% | 6,555 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1095% | 5,502 |
| Assets per employee ($millions) | 2.8974% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 3,450 |
| Loan loss allowance to noncurrent loans | 253.7753% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 6,229 |
| Noncurrent loans to loans | 0.6576% | 5,713 |
| Net loans and leases to total assets | 58.3779% | 4,579 |
| Net loans and leases to deposits | 64.7162% | 5,164 |
| Net loans and leases to core deposits | 77.0090% | 4,160 |
| Total domestic deposits to total assets | 90.2060% | 1,021 |
| Equity capital to assets | 8.9376% | 5,298 |
| Core capital (leverage) ratio | 9.0843% | 4,475 |
| Tier 1 risk-based capital ratio | 13.6392% | 4,334 |
| Total risk-based capital ratio | 14.7746% | 4,375 |
| Memoranda: | ||
| Average total assets | $140,413,500 | 4,059 |
| Average earning assets | $126,837,500 | 4,088 |
| Average equity | $12,310,500 | 4,480 |
| Average total loans | $83,209,500 | 4,157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 6,113 |
| Cost of funding earning assets | 1.0860% | 5,215 |
| Net interest margin | 3.5148% | 5,191 |
| Noninterest income to average assets | 0.8005% | 2,280 |
| Noninterest expense to average assets | 2.7350% | 4,829 |
| Loan and lease loss provision to assets | 0.2736% | 4,615 |
| Net operating income to assets | 0.6618% | 3,385 |
| Return on assets (ROA) | 0.6618% | 3,527 |
| Pretax return on assets | 0.9819% | 2,989 |
| Return on Equity (ROE) | 7.3164% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.5764% | 2,074 |
| Net charge-offs to loans | 0.1878% | 5,175 |
| Credit loss provision to net charge-offs | 238.5621% | 1,214 |
| Earnings coverage of net charge-offs (x) | 10.9477% | 1,655 |
| Efficiency ratio | 68.5387% | 4,450 |
| Assets per employee ($millions) | 2.8929% | 6,345 |
| Cash dividends to net income (ytd only)* | 23.7826% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 3,712 |
| Loan loss allowance to noncurrent loans | 187.4465% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 5,979 |
| Noncurrent loans to loans | 0.8360% | 5,382 |
| Net loans and leases to total assets | 58.2270% | 4,990 |
| Net loans and leases to deposits | 64.3080% | 5,593 |
| Net loans and leases to core deposits | 72.7945% | 5,126 |
| Total domestic deposits to total assets | 90.5440% | 812 |
| Equity capital to assets | 8.6002% | 5,725 |
| Core capital (leverage) ratio | 9.0754% | 4,401 |
| Tier 1 risk-based capital ratio | 13.4582% | 4,240 |
| Total risk-based capital ratio | 14.7202% | 4,198 |
| Memoranda: | ||
| Average total assets | $133,418,400 | 4,194 |
| Average earning assets | $121,089,600 | 4,207 |
| Average equity | $12,068,800 | 4,582 |
| Average total loans | $81,470,200 | 4,298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 6,250 |
| Cost of funding earning assets | 1.1219% | 5,309 |
| Net interest margin | 3.5109% | 5,246 |
| Noninterest income to average assets | 0.7634% | 2,428 |
| Noninterest expense to average assets | 2.6903% | 4,915 |
| Loan and lease loss provision to assets | 0.1827% | 5,219 |
| Net operating income to assets | 0.6528% | 3,631 |
| Return on assets (ROA) | 0.6528% | 3,803 |
| Pretax return on assets | 1.0832% | 2,883 |
| Return on Equity (ROE) | 7.1216% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.1216% | 1,788 |
| Net charge-offs to loans | 0.1863% | 4,837 |
| Credit loss provision to net charge-offs | 159.2920% | 2,382 |
| Earnings coverage of net charge-offs (x) | 11.0356% | 1,824 |
| Efficiency ratio | 68.0010% | 4,467 |
| Assets per employee ($millions) | 2.8323% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 4,505 |
| Loan loss allowance to noncurrent loans | 187.3397% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 6,254 |
| Noncurrent loans to loans | 0.7432% | 5,720 |
| Net loans and leases to total assets | 62.1946% | 4,489 |
| Net loans and leases to deposits | 69.3020% | 5,236 |
| Net loans and leases to core deposits | 77.8235% | 4,821 |
| Total domestic deposits to total assets | 89.7443% | 1,000 |
| Equity capital to assets | 9.3069% | 5,129 |
| Core capital (leverage) ratio | 9.4036% | 4,050 |
| Tier 1 risk-based capital ratio | 13.8721% | 3,939 |
| Total risk-based capital ratio | 15.1336% | 3,898 |
| Memoranda: | ||
| Average total assets | $131,335,000 | 4,290 |
| Average earning assets | $119,436,250 | 4,298 |
| Average equity | $12,038,250 | 4,669 |
| Average total loans | $80,874,750 | 4,388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 6,415 |
| Cost of funding earning assets | 1.1573% | 5,355 |
| Net interest margin | 3.4585% | 5,411 |
| Noninterest income to average assets | 0.7358% | 2,476 |
| Noninterest expense to average assets | 2.7245% | 4,816 |
| Loan and lease loss provision to assets | 0.1836% | 5,037 |
| Net operating income to assets | 0.5828% | 3,942 |
| Return on assets (ROA) | 0.5828% | 4,085 |
| Pretax return on assets | 0.9775% | 3,211 |
| Return on Equity (ROE) | 6.3919% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.3919% | 2,122 |
| Net charge-offs to loans | 0.1829% | 4,514 |
| Credit loss provision to net charge-offs | 164.3836% | 2,398 |
| Earnings coverage of net charge-offs (x) | 10.3973% | 1,893 |
| Efficiency ratio | 70.1181% | 4,174 |
| Assets per employee ($millions) | 2.7406% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,462 |
| Loan loss allowance to noncurrent loans | 181.8038% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 6,226 |
| Noncurrent loans to loans | 0.7661% | 5,741 |
| Net loans and leases to total assets | 63.1573% | 4,430 |
| Net loans and leases to deposits | 70.4204% | 5,218 |
| Net loans and leases to core deposits | 79.6302% | 4,728 |
| Total domestic deposits to total assets | 89.6861% | 1,079 |
| Equity capital to assets | 9.4118% | 4,847 |
| Core capital (leverage) ratio | 9.3057% | 4,110 |
| Tier 1 risk-based capital ratio | 14.5209% | 3,435 |
| Total risk-based capital ratio | 15.7837% | 3,387 |
| Memoranda: | ||
| Average total assets | $130,741,330 | 4,332 |
| Average earning assets | $119,070,670 | 4,334 |
| Average equity | $11,921,330 | 4,702 |
| Average total loans | $79,846,330 | 4,444 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 6,750 |
| Cost of funding earning assets | 1.2042% | 5,386 |
| Net interest margin | 3.3166% | 5,907 |
| Noninterest income to average assets | 0.6924% | 2,650 |
| Noninterest expense to average assets | 2.7303% | 4,762 |
| Loan and lease loss provision to assets | 0.1822% | 4,699 |
| Net operating income to assets | 0.4707% | 4,532 |
| Return on assets (ROA) | 0.4707% | 4,663 |
| Pretax return on assets | 0.8078% | 3,833 |
| Return on Equity (ROE) | 5.2451% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.2451% | 3,018 |
| Net charge-offs to loans | 0.2038% | 3,693 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 8.1500% | 1,986 |
| Efficiency ratio | 73.3878% | 3,691 |
| Assets per employee ($millions) | 2.9660% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 4,374 |
| Loan loss allowance to noncurrent loans | 177.2512% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 6,272 |
| Noncurrent loans to loans | 0.7951% | 5,729 |
| Net loans and leases to total assets | 60.1411% | 5,099 |
| Net loans and leases to deposits | 66.8922% | 5,721 |
| Net loans and leases to core deposits | 76.4829% | 5,194 |
| Total domestic deposits to total assets | 89.9075% | 1,037 |
| Equity capital to assets | 9.1285% | 5,092 |
| Core capital (leverage) ratio | 8.9157% | 4,708 |
| Tier 1 risk-based capital ratio | 14.4807% | 3,387 |
| Total risk-based capital ratio | 15.7432% | 3,350 |
| Memoranda: | ||
| Average total assets | $131,708,500 | 4,363 |
| Average earning assets | $120,244,000 | 4,366 |
| Average equity | $11,820,500 | 4,759 |
| Average total loans | $78,519,500 | 4,560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 7,003 |
| Cost of funding earning assets | 1.4123% | 5,880 |
| Net interest margin | 3.3593% | 5,527 |
| Noninterest income to average assets | 0.7706% | 2,553 |
| Noninterest expense to average assets | 2.7876% | 5,025 |
| Loan and lease loss provision to assets | 0.1769% | 5,931 |
| Net operating income to assets | 0.5887% | 3,368 |
| Return on assets (ROA) | 0.6668% | 3,125 |
| Pretax return on assets | 0.9515% | 2,754 |
| Return on Equity (ROE) | 7.3124% | 2,661 |
| Retained earnings to average equity (ytd only) | 5.5360% | 1,559 |
| Net charge-offs to loans | 0.2703% | 4,930 |
| Credit loss provision to net charge-offs | 120.3209% | 4,451 |
| Earnings coverage of net charge-offs (x) | 6.9144% | 2,262 |
| Efficiency ratio | 73.2741% | 4,041 |
| Assets per employee ($millions) | 2.9536% | 6,339 |
| Cash dividends to net income (ytd only)* | 24.2925% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,108 |
| Loan loss allowance to noncurrent loans | 175.1987% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 6,272 |
| Noncurrent loans to loans | 0.8123% | 5,662 |
| Net loans and leases to total assets | 57.4274% | 5,754 |
| Net loans and leases to deposits | 63.6197% | 6,316 |
| Net loans and leases to core deposits | 99.6059% | 4,043 |
| Total domestic deposits to total assets | 90.2666% | 854 |
| Equity capital to assets | 8.8238% | 5,393 |
| Core capital (leverage) ratio | 8.7533% | 4,832 |
| Tier 1 risk-based capital ratio | 14.4973% | 3,211 |
| Total risk-based capital ratio | 15.7606% | 3,157 |
| Memoranda: | ||
| Average total assets | $127,168,600 | 4,397 |
| Average earning assets | $114,846,000 | 4,426 |
| Average equity | $11,596,800 | 4,843 |
| Average total loans | $69,181,600 | 4,894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 7,129 |
| Cost of funding earning assets | 1.4401% | 6,081 |
| Net interest margin | 3.3558% | 5,426 |
| Noninterest income to average assets | 0.7646% | 2,625 |
| Noninterest expense to average assets | 2.6617% | 5,486 |
| Loan and lease loss provision to assets | 0.1432% | 5,923 |
| Net operating income to assets | 0.6298% | 3,496 |
| Return on assets (ROA) | 0.6691% | 3,378 |
| Pretax return on assets | 1.0509% | 2,731 |
| Return on Equity (ROE) | 7.2753% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.2753% | 1,406 |
| Net charge-offs to loans | 0.3456% | 3,913 |
| Credit loss provision to net charge-offs | 77.5862% | 5,820 |
| Earnings coverage of net charge-offs (x) | 6.1380% | 2,661 |
| Efficiency ratio | 70.1509% | 4,558 |
| Assets per employee ($millions) | 2.8472% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,075 |
| Loan loss allowance to noncurrent loans | 1,971.1538% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 7,477 |
| Noncurrent loans to loans | 0.0699% | 7,323 |
| Net loans and leases to total assets | 55.9944% | 6,143 |
| Net loans and leases to deposits | 62.2370% | 6,652 |
| Net loans and leases to core deposits | 96.9451% | 4,710 |
| Total domestic deposits to total assets | 89.9696% | 777 |
| Equity capital to assets | 8.9905% | 5,492 |
| Core capital (leverage) ratio | 9.2625% | 4,244 |
| Tier 1 risk-based capital ratio | 14.9986% | 3,041 |
| Total risk-based capital ratio | 16.2608% | 2,974 |
| Memoranda: | ||
| Average total assets | $125,732,250 | 4,454 |
| Average earning assets | $113,511,750 | 4,495 |
| Average equity | $11,564,000 | 4,907 |
| Average total loans | $67,119,250 | 5,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 7,244 |
| Cost of funding earning assets | 1.4814% | 6,211 |
| Net interest margin | 3.3091% | 5,521 |
| Noninterest income to average assets | 0.7936% | 2,443 |
| Noninterest expense to average assets | 2.6213% | 5,651 |
| Loan and lease loss provision to assets | 0.1452% | 5,622 |
| Net operating income to assets | 0.6602% | 3,429 |
| Return on assets (ROA) | 0.7211% | 3,271 |
| Pretax return on assets | 1.1114% | 2,601 |
| Return on Equity (ROE) | 7.7782% | 2,858 |
| Retained earnings to average equity (ytd only) | 7.7782% | 1,281 |
| Net charge-offs to loans | 0.2349% | 4,029 |
| Credit loss provision to net charge-offs | 118.4211% | 3,925 |
| Earnings coverage of net charge-offs (x) | 9.4868% | 2,126 |
| Efficiency ratio | 69.2668% | 4,932 |
| Assets per employee ($millions) | 2.8357% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 2,788 |
| Loan loss allowance to noncurrent loans | 748.6111% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 7,274 |
| Noncurrent loans to loans | 0.2123% | 6,985 |
| Net loans and leases to total assets | 53.4968% | 6,514 |
| Net loans and leases to deposits | 59.6458% | 6,917 |
| Net loans and leases to core deposits | 89.6839% | 5,562 |
| Total domestic deposits to total assets | 89.6908% | 963 |
| Equity capital to assets | 9.2769% | 4,913 |
| Core capital (leverage) ratio | 9.1487% | 4,389 |
| Tier 1 risk-based capital ratio | 15.9346% | 2,645 |
| Total risk-based capital ratio | 17.2002% | 2,585 |
| Memoranda: | ||
| Average total assets | $123,985,670 | 4,532 |
| Average earning assets | $112,054,330 | 4,572 |
| Average equity | $11,493,670 | 4,954 |
| Average total loans | $64,705,000 | 5,149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 7,504 |
| Cost of funding earning assets | 1.5122% | 6,368 |
| Net interest margin | 3.1935% | 5,877 |
| Noninterest income to average assets | 1.0518% | 1,342 |
| Noninterest expense to average assets | 2.6150% | 5,390 |
| Loan and lease loss provision to assets | 0.1456% | 5,081 |
| Net operating income to assets | 0.8281% | 3,008 |
| Return on assets (ROA) | 0.8350% | 3,121 |
| Pretax return on assets | 1.1716% | 2,718 |
| Return on Equity (ROE) | 9.0107% | 2,715 |
| Retained earnings to average equity (ytd only) | 9.0107% | 1,477 |
| Net charge-offs to loans | 0.3357% | 2,749 |
| Credit loss provision to net charge-offs | 84.9057% | 4,104 |
| Earnings coverage of net charge-offs (x) | 7.6226% | 2,319 |
| Efficiency ratio | 66.6667% | 5,200 |
| Assets per employee ($millions) | 2.8415% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 2,259 |
| Loan loss allowance to noncurrent loans | 188.9088% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 5,173 |
| Noncurrent loans to loans | 0.8810% | 5,247 |
| Net loans and leases to total assets | 48.7968% | 6,961 |
| Net loans and leases to deposits | 54.2701% | 7,273 |
| Net loans and leases to core deposits | 76.7148% | 6,629 |
| Total domestic deposits to total assets | 89.9147% | 837 |
| Equity capital to assets | 9.0718% | 5,266 |
| Core capital (leverage) ratio | 9.0498% | 4,621 |
| Tier 1 risk-based capital ratio | 16.2801% | 2,586 |
| Total risk-based capital ratio | 17.5474% | 2,528 |
| Memoranda: | ||
| Average total assets | $123,592,500 | 4,557 |
| Average earning assets | $111,100,000 | 4,606 |
| Average equity | $11,453,000 | 4,992 |
| Average total loans | $63,144,000 | 5,239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9803% | 5,641 |
| Cost of funding earning assets | 2.2449% | 5,391 |
| Net interest margin | 3.7354% | 4,302 |
| Noninterest income to average assets | 0.8453% | 2,261 |
| Noninterest expense to average assets | 2.7157% | 5,197 |
| Loan and lease loss provision to assets | 0.1549% | 5,381 |
| Net operating income to assets | 0.8845% | 3,067 |
| Return on assets (ROA) | 0.8961% | 2,857 |
| Pretax return on assets | 1.3376% | 2,178 |
| Return on Equity (ROE) | 9.5461% | 2,418 |
| Retained earnings to average equity (ytd only) | 6.1898% | 1,444 |
| Net charge-offs to loans | 0.0991% | 5,328 |
| Credit loss provision to net charge-offs | 310.3448% | 1,451 |
| Earnings coverage of net charge-offs (x) | 29.5517% | 1,179 |
| Efficiency ratio | 64.7977% | 5,374 |
| Assets per employee ($millions) | 2.6515% | 6,885 |
| Cash dividends to net income (ytd only)* | 35.1585% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 1,930 |
| Loan loss allowance to noncurrent loans | 107.5834% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 4,775 |
| Noncurrent loans to loans | 1.5739% | 3,418 |
| Net loans and leases to total assets | 51.7718% | 6,863 |
| Net loans and leases to deposits | 57.8319% | 7,214 |
| Net loans and leases to core deposits | 82.3111% | 6,432 |
| Total domestic deposits to total assets | 89.5211% | 839 |
| Equity capital to assets | 9.4757% | 4,724 |
| Core capital (leverage) ratio | 9.3440% | 4,244 |
| Tier 1 risk-based capital ratio | 16.5921% | 2,453 |
| Total risk-based capital ratio | 17.8598% | 2,381 |
| Memoranda: | ||
| Average total assets | $116,176,200 | 4,607 |
| Average earning assets | $104,059,000 | 4,681 |
| Average equity | $10,905,000 | 5,149 |
| Average total loans | $58,499,400 | 5,338 |