Home > American Bank & Trust of the Cumberlands > Performance and Condition Ratios
American Bank & Trust of the Cumberlands, Performance and Condition Ratios
| 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 | 3.6606% | 2,438 |
| Cost of funding earning assets | 0.0265% | 4,886 |
| Net interest margin | 3.6341% | 1,512 |
| Noninterest income to average assets | 1.5262% | 529 |
| Noninterest expense to average assets | 2.1369% | 3,276 |
| Loan and lease loss provision to assets | 0.3628% | 205 |
| Net operating income to assets | 1.7808% | 743 |
| Return on assets (ROA) | 1.7808% | 782 |
| Pretax return on assets | 2.3383% | 455 |
| Return on Equity (ROE) | 15.4535% | 1,056 |
| Retained earnings to average equity (ytd only) | 12.8298% | 756 |
| Net charge-offs to loans | -0.0054% | 3,456 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1695% | 4,605 |
| Assets per employee ($millions) | 6.9921% | 1,816 |
| Cash dividends to net income (ytd only)* | 16.9779% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3344% | 4,831 |
| Loan loss allowance to noncurrent loans | 556.8807% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,033 |
| Noncurrent loans to loans | 0.0601% | 3,882 |
| Net loans and leases to total assets | 53.8986% | 3,143 |
| Net loans and leases to deposits | 61.4878% | 3,254 |
| Net loans and leases to core deposits | 69.7797% | 2,809 |
| Total domestic deposits to total assets | 87.6574% | 2,010 |
| Equity capital to assets | 11.6868% | 1,527 |
| Core capital (leverage) ratio | 8.4741% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4715% | 2,180 |
| Memoranda: | ||
| Average total assets | $330,756,667 | 2,302 |
| Average earning assets | $301,422,000 | 2,337 |
| Average equity | $38,114,333 | 2,172 |
| Average total loans | $184,051,000 | 2,405 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7630% | 2,209 |
| Cost of funding earning assets | 0.0508% | 4,866 |
| Net interest margin | 3.7122% | 1,305 |
| Noninterest income to average assets | 1.8201% | 431 |
| Noninterest expense to average assets | 2.0565% | 3,545 |
| Loan and lease loss provision to assets | 0.3655% | 224 |
| Net operating income to assets | 2.0967% | 496 |
| Return on assets (ROA) | 2.0967% | 534 |
| Pretax return on assets | 2.7814% | 310 |
| Return on Equity (ROE) | 18.3280% | 686 |
| Retained earnings to average equity (ytd only) | 16.9968% | 426 |
| Net charge-offs to loans | -0.0108% | 3,697 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5224% | 4,757 |
| Assets per employee ($millions) | 7.1439% | 1,690 |
| Cash dividends to net income (ytd only)* | 7.2632% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1675% | 4,907 |
| Loan loss allowance to noncurrent loans | 586.5385% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,265 |
| Noncurrent loans to loans | 0.0286% | 4,146 |
| Net loans and leases to total assets | 54.1480% | 3,224 |
| Net loans and leases to deposits | 61.6439% | 3,358 |
| Net loans and leases to core deposits | 69.6521% | 2,896 |
| Total domestic deposits to total assets | 87.8400% | 1,923 |
| Equity capital to assets | 11.4291% | 1,589 |
| Core capital (leverage) ratio | 8.5987% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1292% | 2,236 |
| Memoranda: | ||
| Average total assets | $328,325,500 | 2,298 |
| Average earning assets | $299,230,000 | 2,336 |
| Average equity | $37,560,000 | 2,178 |
| Average total loans | $185,326,000 | 2,397 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3801% | 4,985 |
| Cost of funding earning assets | 0.0155% | 4,970 |
| Net interest margin | 0.3647% | 4,983 |
| Noninterest income to average assets | 0.2001% | 4,279 |
| Noninterest expense to average assets | 0.1930% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2745% | 4,472 |
| Return on assets (ROA) | 0.2745% | 4,537 |
| Pretax return on assets | 0.3496% | 4,488 |
| Return on Equity (ROE) | 2.8648% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.8648% | 3,438 |
| Net charge-offs to loans | -0.0382% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5744% | 4,937 |
| Assets per employee ($millions) | 6.8233% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0398% | 4,944 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,254 |
| Noncurrent loans to loans | 0.0424% | 4,127 |
| Net loans and leases to total assets | 58.7666% | 3,006 |
| Net loans and leases to deposits | 66.8831% | 3,195 |
| Net loans and leases to core deposits | 75.8688% | 2,739 |
| Total domestic deposits to total assets | 87.8645% | 1,550 |
| Equity capital to assets | 11.4669% | 1,909 |
| Core capital (leverage) ratio | 11.2349% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8760% | 916 |
| Memoranda: | ||
| Average total assets | $282,335,200 | 2,389 |
| Average earning assets | $265,184,200 | 2,369 |
| Average equity | $27,052,800 | 2,674 |
| Average total loans | $198,940,200 | 2,243 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,417 |
| Cost of funding earning assets | 1.2262% | 335 |
| Net interest margin | 3.3370% | 3,081 |
| Noninterest income to average assets | 1.7295% | 392 |
| Noninterest expense to average assets | 2.7688% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.0937% | 245 |
| Return on assets (ROA) | 2.0937% | 264 |
| Pretax return on assets | 2.1216% | 395 |
| Return on Equity (ROE) | 23.1923% | 148 |
| Retained earnings to average equity (ytd only) | 13.4454% | 289 |
| Net charge-offs to loans | 0.1111% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,709 |
| Efficiency ratio | 56.6174% | 3,842 |
| Assets per employee ($millions) | 5.9616% | 2,298 |
| Cash dividends to net income (ytd only)* | 42.0266% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,282 |
| Loan loss allowance to noncurrent loans | 3,508.0645% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,365 |
| Noncurrent loans to loans | 0.0309% | 4,276 |
| Net loans and leases to total assets | 69.2535% | 2,067 |
| Net loans and leases to deposits | 77.0067% | 2,651 |
| Net loans and leases to core deposits | 88.5551% | 2,100 |
| Total domestic deposits to total assets | 89.9317% | 451 |
| Equity capital to assets | 9.2488% | 3,910 |
| Core capital (leverage) ratio | 9.2941% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5801% | 1,626 |
| Memoranda: | ||
| Average total assets | $272,745,000 | 2,417 |
| Average earning assets | $258,347,750 | 2,386 |
| Average equity | $24,622,500 | 2,817 |
| Average total loans | $201,541,000 | 2,217 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 1,404 |
| Cost of funding earning assets | 1.2922% | 371 |
| Net interest margin | 3.4082% | 3,072 |
| Noninterest income to average assets | 1.7378% | 355 |
| Noninterest expense to average assets | 2.7308% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1910% | 225 |
| Return on assets (ROA) | 2.1910% | 246 |
| Pretax return on assets | 2.2335% | 345 |
| Return on Equity (ROE) | 24.4835% | 120 |
| Retained earnings to average equity (ytd only) | 9.4885% | 879 |
| Net charge-offs to loans | 0.1654% | 903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.9401% | 1,795 |
| Efficiency ratio | 55.0083% | 4,060 |
| Assets per employee ($millions) | 5.8452% | 2,323 |
| Cash dividends to net income (ytd only)* | 61.2453% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,144 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,435 |
| Noncurrent loans to loans | 0.0340% | 4,344 |
| Net loans and leases to total assets | 69.1563% | 2,165 |
| Net loans and leases to deposits | 76.4540% | 2,808 |
| Net loans and leases to core deposits | 88.1057% | 2,235 |
| Total domestic deposits to total assets | 90.4548% | 284 |
| Equity capital to assets | 8.7729% | 4,292 |
| Core capital (leverage) ratio | 9.0772% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8487% | 1,876 |
| Memoranda: | ||
| Average total assets | $268,274,667 | 2,424 |
| Average earning assets | $253,976,000 | 2,390 |
| Average equity | $24,008,000 | 2,855 |
| Average total loans | $201,938,667 | 2,206 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 1,239 |
| Cost of funding earning assets | 1.3785% | 436 |
| Net interest margin | 3.5035% | 2,965 |
| Noninterest income to average assets | 0.8395% | 1,194 |
| Noninterest expense to average assets | 2.7623% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3873% | 1,020 |
| Return on assets (ROA) | 1.3873% | 1,095 |
| Pretax return on assets | 1.3873% | 1,601 |
| Return on Equity (ROE) | 15.3357% | 511 |
| Retained earnings to average equity (ytd only) | -15.3699% | 4,905 |
| Net charge-offs to loans | -0.0079% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5675% | 2,878 |
| Assets per employee ($millions) | 5.5093% | 2,114 |
| Cash dividends to net income (ytd only)* | 200.2225% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,945 |
| Loan loss allowance to noncurrent loans | 1,275.5435% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,255 |
| Noncurrent loans to loans | 0.0900% | 4,152 |
| Net loans and leases to total assets | 76.4205% | 1,226 |
| Net loans and leases to deposits | 84.4082% | 2,179 |
| Net loans and leases to core deposits | 98.6459% | 1,576 |
| Total domestic deposits to total assets | 90.5368% | 188 |
| Equity capital to assets | 8.6876% | 4,748 |
| Core capital (leverage) ratio | 8.9792% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4219% | 2,959 |
| Memoranda: | ||
| Average total assets | $259,204,500 | 2,439 |
| Average earning assets | $244,895,500 | 2,410 |
| Average equity | $23,448,500 | 2,888 |
| Average total loans | $202,783,000 | 2,165 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1458% | 1,117 |
| Cost of funding earning assets | 1.4063% | 554 |
| Net interest margin | 3.7395% | 2,696 |
| Noninterest income to average assets | 0.7835% | 1,499 |
| Noninterest expense to average assets | 2.8996% | 2,295 |
| Loan and lease loss provision to assets | 0.0204% | 3,613 |
| Net operating income to assets | 1.3811% | 1,407 |
| Return on assets (ROA) | 1.3811% | 1,485 |
| Pretax return on assets | 1.3811% | 2,230 |
| Return on Equity (ROE) | 15.1743% | 657 |
| Retained earnings to average equity (ytd only) | 7.5648% | 1,134 |
| Net charge-offs to loans | -0.1398% | 5,007 |
| Credit loss provision to net charge-offs | -17.9856% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4150% | 2,541 |
| Assets per employee ($millions) | 5.2909% | 2,259 |
| Cash dividends to net income (ytd only)* | 50.1475% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,616 |
| Loan loss allowance to noncurrent loans | 736.7925% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 4,020 |
| Noncurrent loans to loans | 0.1581% | 3,894 |
| Net loans and leases to total assets | 78.2732% | 1,037 |
| Net loans and leases to deposits | 87.2783% | 1,938 |
| Net loans and leases to core deposits | 101.7844% | 1,425 |
| Total domestic deposits to total assets | 89.6824% | 434 |
| Equity capital to assets | 9.4199% | 4,412 |
| Core capital (leverage) ratio | 9.3243% | 4,254 |
| Tier 1 risk-based capital ratio | 12.6582% | 3,971 |
| Total risk-based capital ratio | 13.8966% | 3,865 |
| Memoranda: | ||
| Average total assets | $245,449,400 | 2,493 |
| Average earning assets | $230,889,200 | 2,465 |
| Average equity | $22,340,400 | 2,935 |
| Average total loans | $198,824,800 | 2,175 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1553% | 1,139 |
| Cost of funding earning assets | 1.3867% | 594 |
| Net interest margin | 3.7686% | 2,690 |
| Noninterest income to average assets | 0.7973% | 1,425 |
| Noninterest expense to average assets | 2.9387% | 2,130 |
| Loan and lease loss provision to assets | 0.0274% | 3,355 |
| Net operating income to assets | 1.3321% | 1,714 |
| Return on assets (ROA) | 1.3321% | 1,785 |
| Pretax return on assets | 1.3710% | 2,420 |
| Return on Equity (ROE) | 14.7700% | 826 |
| Retained earnings to average equity (ytd only) | 4.4413% | 3,172 |
| Net charge-offs to loans | -0.2038% | 5,112 |
| Credit loss provision to net charge-offs | -16.5017% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7574% | 2,462 |
| Assets per employee ($millions) | 5.3014% | 2,228 |
| Cash dividends to net income (ytd only)* | 69.9301% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,595 |
| Loan loss allowance to noncurrent loans | 638.2749% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 3,952 |
| Noncurrent loans to loans | 0.1855% | 3,872 |
| Net loans and leases to total assets | 77.6829% | 1,191 |
| Net loans and leases to deposits | 86.3536% | 2,154 |
| Net loans and leases to core deposits | 100.5171% | 1,624 |
| Total domestic deposits to total assets | 89.9591% | 296 |
| Equity capital to assets | 8.9928% | 4,783 |
| Core capital (leverage) ratio | 9.1403% | 4,521 |
| Tier 1 risk-based capital ratio | 11.4538% | 4,688 |
| Total risk-based capital ratio | 12.6375% | 4,624 |
| Memoranda: | ||
| Average total assets | $243,321,000 | 2,525 |
| Average earning assets | $228,548,250 | 2,502 |
| Average equity | $21,944,750 | 2,990 |
| Average total loans | $198,249,000 | 2,198 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 1,178 |
| Cost of funding earning assets | 1.3576% | 622 |
| Net interest margin | 3.7612% | 2,712 |
| Noninterest income to average assets | 0.7087% | 1,681 |
| Noninterest expense to average assets | 2.9515% | 2,132 |
| Loan and lease loss provision to assets | 0.0417% | 2,981 |
| Net operating income to assets | 1.2087% | 2,120 |
| Return on assets (ROA) | 1.2087% | 2,183 |
| Pretax return on assets | 1.2420% | 2,780 |
| Return on Equity (ROE) | 13.3878% | 1,127 |
| Retained earnings to average equity (ytd only) | -2.3299% | 4,936 |
| Net charge-offs to loans | -0.3805% | 5,207 |
| Credit loss provision to net charge-offs | -13.2979% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6886% | 2,273 |
| Assets per employee ($millions) | 5.3624% | 2,094 |
| Cash dividends to net income (ytd only)* | 117.4033% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,419 |
| Loan loss allowance to noncurrent loans | 931.2977% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,171 |
| Noncurrent loans to loans | 0.1310% | 4,091 |
| Net loans and leases to total assets | 80.0774% | 869 |
| Net loans and leases to deposits | 88.7598% | 1,895 |
| Net loans and leases to core deposits | 102.9054% | 1,475 |
| Total domestic deposits to total assets | 90.2181% | 276 |
| Equity capital to assets | 8.8746% | 4,863 |
| Core capital (leverage) ratio | 8.9446% | 4,677 |
| Tier 1 risk-based capital ratio | 11.6291% | 4,621 |
| Total risk-based capital ratio | 12.8795% | 4,515 |
| Memoranda: | ||
| Average total assets | $239,605,000 | 2,557 |
| Average earning assets | $224,659,670 | 2,539 |
| Average equity | $21,631,670 | 3,009 |
| Average total loans | $197,649,670 | 2,207 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 1,109 |
| Cost of funding earning assets | 1.2799% | 704 |
| Net interest margin | 3.8124% | 2,482 |
| Noninterest income to average assets | 0.6608% | 1,779 |
| Noninterest expense to average assets | 3.0211% | 1,935 |
| Loan and lease loss provision to assets | 0.0847% | 2,005 |
| Net operating income to assets | 1.0963% | 2,487 |
| Return on assets (ROA) | 1.0963% | 2,531 |
| Pretax return on assets | 1.1234% | 3,079 |
| Return on Equity (ROE) | 12.0361% | 1,517 |
| Retained earnings to average equity (ytd only) | -19.5889% | 5,252 |
| Net charge-offs to loans | -0.8163% | 5,297 |
| Credit loss provision to net charge-offs | -12.4688% | 3,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4343% | 2,122 |
| Assets per employee ($millions) | 5.0014% | 2,515 |
| Cash dividends to net income (ytd only)* | 262.7512% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,260 |
| Loan loss allowance to noncurrent loans | 619.3467% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 3,851 |
| Noncurrent loans to loans | 0.2039% | 3,859 |
| Net loans and leases to total assets | 78.6573% | 1,046 |
| Net loans and leases to deposits | 86.7540% | 2,031 |
| Net loans and leases to core deposits | 101.1869% | 1,523 |
| Total domestic deposits to total assets | 90.6670% | 239 |
| Equity capital to assets | 8.5707% | 4,943 |
| Core capital (leverage) ratio | 8.9341% | 4,693 |
| Tier 1 risk-based capital ratio | 11.5723% | 4,705 |
| Total risk-based capital ratio | 12.8233% | 4,586 |
| Memoranda: | ||
| Average total assets | $236,072,500 | 2,598 |
| Average earning assets | $220,962,500 | 2,582 |
| Average equity | $21,502,000 | 3,027 |
| Average total loans | $196,491,000 | 2,232 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 834 |
| Cost of funding earning assets | 0.9634% | 870 |
| Net interest margin | 4.1417% | 1,554 |
| Noninterest income to average assets | 0.7633% | 1,593 |
| Noninterest expense to average assets | 2.9723% | 2,128 |
| Loan and lease loss provision to assets | 0.2210% | 814 |
| Net operating income to assets | 1.4347% | 1,323 |
| Return on assets (ROA) | 1.4347% | 1,313 |
| Pretax return on assets | 1.4347% | 2,011 |
| Return on Equity (ROE) | 15.7812% | 675 |
| Retained earnings to average equity (ytd only) | 8.7317% | 964 |
| Net charge-offs to loans | 0.1737% | 1,112 |
| Credit loss provision to net charge-offs | 151.0574% | 1,822 |
| Earnings coverage of net charge-offs (x) | 11.3172% | 2,634 |
| Efficiency ratio | 64.2250% | 3,155 |
| Assets per employee ($millions) | 4.5416% | 3,102 |
| Cash dividends to net income (ytd only)* | 44.6704% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 3,571 |
| Loan loss allowance to noncurrent loans | 336.2270% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 2,847 |
| Noncurrent loans to loans | 0.3029% | 3,466 |
| Net loans and leases to total assets | 86.1995% | 225 |
| Net loans and leases to deposits | 96.1773% | 1,059 |
| Net loans and leases to core deposits | 111.2545% | 923 |
| Total domestic deposits to total assets | 89.6256% | 611 |
| Equity capital to assets | 9.6883% | 3,967 |
| Core capital (leverage) ratio | 9.7274% | 3,879 |
| Tier 1 risk-based capital ratio | 12.1693% | 4,315 |
| Total risk-based capital ratio | 13.2742% | 4,304 |
| Memoranda: | ||
| Average total assets | $226,254,400 | 2,640 |
| Average earning assets | $211,119,800 | 2,630 |
| Average equity | $20,568,800 | 3,036 |
| Average total loans | $190,609,400 | 2,242 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0559% | 827 |
| Cost of funding earning assets | 0.9428% | 768 |
| Net interest margin | 4.1131% | 1,592 |
| Noninterest income to average assets | 0.7886% | 1,511 |
| Noninterest expense to average assets | 2.9733% | 2,093 |
| Loan and lease loss provision to assets | 0.1327% | 1,517 |
| Net operating income to assets | 1.4203% | 1,415 |
| Return on assets (ROA) | 1.4203% | 1,417 |
| Pretax return on assets | 1.5194% | 1,839 |
| Return on Equity (ROE) | 15.8854% | 713 |
| Retained earnings to average equity (ytd only) | 6.3198% | 2,479 |
| Net charge-offs to loans | 0.1278% | 1,242 |
| Credit loss provision to net charge-offs | 124.3094% | 1,944 |
| Earnings coverage of net charge-offs (x) | 15.4750% | 2,221 |
| Efficiency ratio | 64.2821% | 3,133 |
| Assets per employee ($millions) | 4.5872% | 2,996 |
| Cash dividends to net income (ytd only)* | 60.2160% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,807 |
| Loan loss allowance to noncurrent loans | 122.5827% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 1,701 |
| Noncurrent loans to loans | 0.8109% | 2,083 |
| Net loans and leases to total assets | 82.0343% | 711 |
| Net loans and leases to deposits | 91.1188% | 1,740 |
| Net loans and leases to core deposits | 102.2432% | 1,591 |
| Total domestic deposits to total assets | 90.0300% | 504 |
| Equity capital to assets | 9.2048% | 4,359 |
| Core capital (leverage) ratio | 9.2685% | 4,436 |
| Tier 1 risk-based capital ratio | 12.1378% | 4,421 |
| Total risk-based capital ratio | 13.2121% | 4,406 |
| Memoranda: | ||
| Average total assets | $226,048,500 | 2,655 |
| Average earning assets | $210,863,500 | 2,645 |
| Average equity | $20,211,000 | 3,100 |
| Average total loans | $188,823,250 | 2,263 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 869 |
| Cost of funding earning assets | 0.9225% | 662 |
| Net interest margin | 4.0519% | 1,693 |
| Noninterest income to average assets | 0.7308% | 1,739 |
| Noninterest expense to average assets | 2.9260% | 2,271 |
| Loan and lease loss provision to assets | 0.1334% | 1,478 |
| Net operating income to assets | 1.3603% | 1,568 |
| Return on assets (ROA) | 1.3603% | 1,571 |
| Pretax return on assets | 1.4555% | 1,972 |
| Return on Equity (ROE) | 15.3686% | 779 |
| Retained earnings to average equity (ytd only) | 0.8036% | 4,806 |
| Net charge-offs to loans | 0.2654% | 605 |
| Credit loss provision to net charge-offs | 60.0000% | 2,427 |
| Earnings coverage of net charge-offs (x) | 7.1480% | 2,572 |
| Efficiency ratio | 64.8090% | 3,193 |
| Assets per employee ($millions) | 4.6461% | 2,894 |
| Cash dividends to net income (ytd only)* | 94.7712% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 4,238 |
| Loan loss allowance to noncurrent loans | 101.5716% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 1,453 |
| Noncurrent loans to loans | 0.9077% | 1,906 |
| Net loans and leases to total assets | 80.7228% | 902 |
| Net loans and leases to deposits | 89.0749% | 1,965 |
| Net loans and leases to core deposits | 99.6075% | 1,765 |
| Total domestic deposits to total assets | 90.6236% | 357 |
| Equity capital to assets | 8.7225% | 4,779 |
| Core capital (leverage) ratio | 8.9330% | 4,745 |
| Tier 1 risk-based capital ratio | 11.6968% | 4,691 |
| Total risk-based capital ratio | 12.6941% | 4,716 |
| Memoranda: | ||
| Average total assets | $224,945,000 | 2,680 |
| Average earning assets | $210,072,670 | 2,672 |
| Average equity | $19,910,670 | 3,140 |
| Average total loans | $188,417,000 | 2,276 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9679% | 743 |
| Cost of funding earning assets | 0.8980% | 597 |
| Net interest margin | 4.0700% | 1,514 |
| Noninterest income to average assets | 0.6707% | 1,955 |
| Noninterest expense to average assets | 2.9033% | 2,358 |
| Loan and lease loss provision to assets | 0.1356% | 1,393 |
| Net operating income to assets | 1.3396% | 1,511 |
| Return on assets (ROA) | 1.3396% | 1,526 |
| Pretax return on assets | 1.4336% | 1,888 |
| Return on Equity (ROE) | 15.0194% | 803 |
| Retained earnings to average equity (ytd only) | -14.3708% | 5,446 |
| Net charge-offs to loans | 0.1787% | 819 |
| Credit loss provision to net charge-offs | 89.2857% | 1,674 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,905 |
| Efficiency ratio | 64.9151% | 3,331 |
| Assets per employee ($millions) | 4.5611% | 3,052 |
| Cash dividends to net income (ytd only)* | 195.6815% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 4,136 |
| Loan loss allowance to noncurrent loans | 104.7320% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 1,965 |
| Noncurrent loans to loans | 0.9220% | 1,973 |
| Net loans and leases to total assets | 84.3020% | 407 |
| Net loans and leases to deposits | 93.0433% | 1,324 |
| Net loans and leases to core deposits | 101.4151% | 1,576 |
| Total domestic deposits to total assets | 90.6051% | 441 |
| Equity capital to assets | 8.6593% | 4,853 |
| Core capital (leverage) ratio | 8.8706% | 4,828 |
| Tier 1 risk-based capital ratio | 11.2323% | 5,015 |
| Total risk-based capital ratio | 12.2871% | 5,014 |
| Memoranda: | ||
| Average total assets | $221,264,500 | 2,746 |
| Average earning assets | $206,685,500 | 2,726 |
| Average equity | $19,734,500 | 3,185 |
| Average total loans | $187,991,000 | 2,297 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 779 |
| Cost of funding earning assets | 0.8289% | 532 |
| Net interest margin | 4.0811% | 1,504 |
| Noninterest income to average assets | 0.6709% | 2,091 |
| Noninterest expense to average assets | 2.9325% | 2,338 |
| Loan and lease loss provision to assets | 0.1406% | 1,623 |
| Net operating income to assets | 1.3026% | 1,215 |
| Return on assets (ROA) | 1.3039% | 1,226 |
| Pretax return on assets | 1.3938% | 2,014 |
| Return on Equity (ROE) | 14.7056% | 654 |
| Retained earnings to average equity (ytd only) | 7.3079% | 979 |
| Net charge-offs to loans | 0.1132% | 1,926 |
| Credit loss provision to net charge-offs | 151.5152% | 1,760 |
| Earnings coverage of net charge-offs (x) | 16.5253% | 2,173 |
| Efficiency ratio | 65.6699% | 3,320 |
| Assets per employee ($millions) | 4.8675% | 2,647 |
| Cash dividends to net income (ytd only)* | 50.3054% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 3,988 |
| Loan loss allowance to noncurrent loans | 149.1512% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 2,588 |
| Noncurrent loans to loans | 0.6660% | 2,548 |
| Net loans and leases to total assets | 83.9547% | 452 |
| Net loans and leases to deposits | 93.1688% | 1,370 |
| Net loans and leases to core deposits | 101.9069% | 1,559 |
| Total domestic deposits to total assets | 90.1103% | 533 |
| Equity capital to assets | 9.1839% | 4,545 |
| Core capital (leverage) ratio | 9.2974% | 4,296 |
| Tier 1 risk-based capital ratio | 11.9325% | 4,580 |
| Total risk-based capital ratio | 13.0185% | 4,564 |
| Memoranda: | ||
| Average total assets | $213,437,800 | 2,783 |
| Average earning assets | $198,452,800 | 2,784 |
| Average equity | $18,924,800 | 3,251 |
| Average total loans | $174,877,400 | 2,388 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 826 |
| Cost of funding earning assets | 0.8092% | 547 |
| Net interest margin | 4.0495% | 1,545 |
| Noninterest income to average assets | 0.6816% | 2,078 |
| Noninterest expense to average assets | 2.9466% | 2,260 |
| Loan and lease loss provision to assets | 0.1415% | 1,496 |
| Net operating income to assets | 1.2684% | 1,440 |
| Return on assets (ROA) | 1.2702% | 1,463 |
| Pretax return on assets | 1.3588% | 2,246 |
| Return on Equity (ROE) | 14.4590% | 740 |
| Retained earnings to average equity (ytd only) | 4.4379% | 3,259 |
| Net charge-offs to loans | 0.1510% | 1,337 |
| Credit loss provision to net charge-offs | 115.3846% | 2,072 |
| Earnings coverage of net charge-offs (x) | 12.2207% | 2,439 |
| Efficiency ratio | 66.2894% | 3,162 |
| Assets per employee ($millions) | 4.6300% | 2,933 |
| Cash dividends to net income (ytd only)* | 69.3068% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 4,165 |
| Loan loss allowance to noncurrent loans | 113.5723% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 2,276 |
| Noncurrent loans to loans | 0.8657% | 2,207 |
| Net loans and leases to total assets | 82.1006% | 672 |
| Net loans and leases to deposits | 90.8545% | 1,706 |
| Net loans and leases to core deposits | 99.7822% | 1,724 |
| Total domestic deposits to total assets | 90.3649% | 362 |
| Equity capital to assets | 8.9040% | 4,993 |
| Core capital (leverage) ratio | 9.1869% | 4,529 |
| Tier 1 risk-based capital ratio | 11.8487% | 4,733 |
| Total risk-based capital ratio | 12.9283% | 4,731 |
| Memoranda: | ||
| Average total assets | $212,038,250 | 2,824 |
| Average earning assets | $197,056,000 | 2,822 |
| Average equity | $18,627,000 | 3,315 |
| Average total loans | $172,162,750 | 2,416 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 800 |
| Cost of funding earning assets | 0.7991% | 526 |
| Net interest margin | 4.0345% | 1,505 |
| Noninterest income to average assets | 0.6946% | 2,013 |
| Noninterest expense to average assets | 2.9498% | 2,269 |
| Loan and lease loss provision to assets | 0.1427% | 1,431 |
| Net operating income to assets | 1.2618% | 1,400 |
| Return on assets (ROA) | 1.2618% | 1,428 |
| Pretax return on assets | 1.3493% | 2,216 |
| Return on Equity (ROE) | 14.4308% | 752 |
| Retained earnings to average equity (ytd only) | -0.8053% | 5,207 |
| Net charge-offs to loans | 0.1854% | 1,070 |
| Credit loss provision to net charge-offs | 95.5414% | 2,089 |
| Earnings coverage of net charge-offs (x) | 9.9873% | 2,380 |
| Efficiency ratio | 66.4096% | 3,283 |
| Assets per employee ($millions) | 4.3793% | 3,299 |
| Cash dividends to net income (ytd only)* | 105.5807% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,144 |
| Loan loss allowance to noncurrent loans | 116.8237% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 2,355 |
| Noncurrent loans to loans | 0.8566% | 2,268 |
| Net loans and leases to total assets | 81.6995% | 707 |
| Net loans and leases to deposits | 90.3418% | 1,685 |
| Net loans and leases to core deposits | 99.3613% | 1,694 |
| Total domestic deposits to total assets | 90.4337% | 379 |
| Equity capital to assets | 8.8936% | 4,996 |
| Core capital (leverage) ratio | 9.1914% | 4,503 |
| Tier 1 risk-based capital ratio | 11.7489% | 4,809 |
| Total risk-based capital ratio | 12.8353% | 4,790 |
| Memoranda: | ||
| Average total assets | $210,180,670 | 2,861 |
| Average earning assets | $195,217,670 | 2,853 |
| Average equity | $18,377,330 | 3,349 |
| Average total loans | $169,405,670 | 2,447 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 877 |
| Cost of funding earning assets | 0.8294% | 414 |
| Net interest margin | 3.9053% | 1,759 |
| Noninterest income to average assets | 0.6357% | 2,245 |
| Noninterest expense to average assets | 2.9557% | 2,284 |
| Loan and lease loss provision to assets | 0.1427% | 1,311 |
| Net operating income to assets | 1.0906% | 1,908 |
| Return on assets (ROA) | 1.0906% | 1,952 |
| Pretax return on assets | 1.1667% | 2,718 |
| Return on Equity (ROE) | 12.5806% | 1,092 |
| Retained earnings to average equity (ytd only) | -18.1574% | 5,706 |
| Net charge-offs to loans | 0.4278% | 432 |
| Credit loss provision to net charge-offs | 41.8994% | 2,052 |
| Earnings coverage of net charge-offs (x) | 3.8436% | 2,444 |
| Efficiency ratio | 69.2994% | 2,997 |
| Assets per employee ($millions) | 4.3286% | 3,457 |
| Cash dividends to net income (ytd only)* | 244.3281% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,378 |
| Loan loss allowance to noncurrent loans | 130.2862% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 2,729 |
| Noncurrent loans to loans | 0.7545% | 2,602 |
| Net loans and leases to total assets | 79.4585% | 908 |
| Net loans and leases to deposits | 87.6151% | 1,851 |
| Net loans and leases to core deposits | 96.4661% | 1,787 |
| Total domestic deposits to total assets | 90.6904% | 394 |
| Equity capital to assets | 8.6026% | 5,154 |
| Core capital (leverage) ratio | 8.6487% | 5,104 |
| Tier 1 risk-based capital ratio | 14.2237% | 3,349 |
| Total risk-based capital ratio | 15.4745% | 3,265 |
| Memoranda: | ||
| Average total assets | $210,167,500 | 2,889 |
| Average earning assets | $195,324,500 | 2,874 |
| Average equity | $18,218,500 | 3,385 |
| Average total loans | $167,371,500 | 2,483 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 829 |
| Cost of funding earning assets | 0.9072% | 284 |
| Net interest margin | 3.9279% | 1,866 |
| Noninterest income to average assets | 0.7145% | 2,101 |
| Noninterest expense to average assets | 2.9541% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3206% | 1,168 |
| Return on assets (ROA) | 1.3242% | 1,216 |
| Pretax return on assets | 1.4140% | 1,884 |
| Return on Equity (ROE) | 16.0187% | 508 |
| Retained earnings to average equity (ytd only) | 9.7592% | 456 |
| Net charge-offs to loans | 0.1093% | 2,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 16.2935% | 2,123 |
| Efficiency ratio | 67.6870% | 3,307 |
| Assets per employee ($millions) | 4.4284% | 3,223 |
| Cash dividends to net income (ytd only)* | 39.0764% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 4,093 |
| Loan loss allowance to noncurrent loans | 245.4930% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,813 |
| Noncurrent loans to loans | 0.4226% | 3,628 |
| Net loans and leases to total assets | 78.2208% | 1,170 |
| Net loans and leases to deposits | 88.6824% | 1,849 |
| Net loans and leases to core deposits | 99.9273% | 1,628 |
| Total domestic deposits to total assets | 88.2034% | 1,533 |
| Equity capital to assets | 8.7330% | 5,074 |
| Core capital (leverage) ratio | 8.6714% | 5,106 |
| Tier 1 risk-based capital ratio | 12.4463% | 4,410 |
| Total risk-based capital ratio | 13.5996% | 4,364 |
| Memoranda: | ||
| Average total assets | $212,583,800 | 2,830 |
| Average earning assets | $197,535,200 | 2,818 |
| Average equity | $17,573,200 | 3,481 |
| Average total loans | $168,310,200 | 2,430 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 808 |
| Cost of funding earning assets | 0.9120% | 271 |
| Net interest margin | 3.9386% | 1,860 |
| Noninterest income to average assets | 0.7056% | 2,146 |
| Noninterest expense to average assets | 2.9101% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3604% | 1,143 |
| Return on assets (ROA) | 1.3697% | 1,195 |
| Pretax return on assets | 1.4676% | 1,818 |
| Return on Equity (ROE) | 16.8069% | 461 |
| Retained earnings to average equity (ytd only) | 8.3419% | 1,031 |
| Net charge-offs to loans | -0.0119% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6284% | 3,480 |
| Assets per employee ($millions) | 4.4661% | 3,137 |
| Cash dividends to net income (ytd only)* | 50.3663% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 3,494 |
| Loan loss allowance to noncurrent loans | 261.0215% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 3,937 |
| Noncurrent loans to loans | 0.4438% | 3,694 |
| Net loans and leases to total assets | 75.7172% | 1,570 |
| Net loans and leases to deposits | 85.3858% | 2,325 |
| Net loans and leases to core deposits | 95.9217% | 1,995 |
| Total domestic deposits to total assets | 88.6766% | 1,064 |
| Equity capital to assets | 8.3057% | 5,621 |
| Core capital (leverage) ratio | 8.3734% | 5,447 |
| Tier 1 risk-based capital ratio | 11.9433% | 4,823 |
| Total risk-based capital ratio | 13.1935% | 4,715 |
| Memoranda: | ||
| Average total assets | $212,589,500 | 2,845 |
| Average earning assets | $197,664,500 | 2,822 |
| Average equity | $17,325,750 | 3,535 |
| Average total loans | $168,385,250 | 2,433 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 748 |
| Cost of funding earning assets | 0.9205% | 261 |
| Net interest margin | 3.9645% | 1,756 |
| Noninterest income to average assets | 0.6442% | 2,396 |
| Noninterest expense to average assets | 2.8978% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3321% | 1,205 |
| Return on assets (ROA) | 1.3453% | 1,248 |
| Pretax return on assets | 1.4432% | 1,863 |
| Return on Equity (ROE) | 16.6174% | 468 |
| Retained earnings to average equity (ytd only) | 3.7084% | 3,530 |
| Net charge-offs to loans | -0.0107% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9741% | 3,543 |
| Assets per employee ($millions) | 4.5007% | 3,029 |
| Cash dividends to net income (ytd only)* | 77.6836% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,658 |
| Loan loss allowance to noncurrent loans | 628.5714% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 4,862 |
| Noncurrent loans to loans | 0.1827% | 4,703 |
| Net loans and leases to total assets | 77.1335% | 1,311 |
| Net loans and leases to deposits | 86.7699% | 2,162 |
| Net loans and leases to core deposits | 97.1394% | 1,877 |
| Total domestic deposits to total assets | 88.8942% | 962 |
| Equity capital to assets | 8.0595% | 5,786 |
| Core capital (leverage) ratio | 8.1521% | 5,628 |
| Tier 1 risk-based capital ratio | 11.4793% | 5,173 |
| Total risk-based capital ratio | 12.7298% | 5,054 |
| Memoranda: | ||
| Average total assets | $210,506,670 | 2,881 |
| Average earning assets | $195,536,670 | 2,865 |
| Average equity | $17,042,330 | 3,583 |
| Average total loans | $168,633,670 | 2,430 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 644 |
| Cost of funding earning assets | 0.9249% | 257 |
| Net interest margin | 4.0190% | 1,557 |
| Noninterest income to average assets | 0.7143% | 1,963 |
| Noninterest expense to average assets | 2.8939% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4521% | 937 |
| Return on assets (ROA) | 1.4576% | 968 |
| Pretax return on assets | 1.5577% | 1,412 |
| Return on Equity (ROE) | 17.9618% | 356 |
| Retained earnings to average equity (ytd only) | -8.1386% | 5,756 |
| Net charge-offs to loans | -0.1091% | 5,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0931% | 3,959 |
| Assets per employee ($millions) | 4.2316% | 3,534 |
| Cash dividends to net income (ytd only)* | 145.3104% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 3,621 |
| Loan loss allowance to noncurrent loans | 1,233.7500% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 5,160 |
| Noncurrent loans to loans | 0.0954% | 5,091 |
| Net loans and leases to total assets | 78.3094% | 1,064 |
| Net loans and leases to deposits | 87.9331% | 1,832 |
| Net loans and leases to core deposits | 98.0739% | 1,630 |
| Total domestic deposits to total assets | 89.0557% | 1,071 |
| Equity capital to assets | 7.9091% | 5,854 |
| Core capital (leverage) ratio | 8.0810% | 5,733 |
| Tier 1 risk-based capital ratio | 10.8864% | 5,559 |
| Total risk-based capital ratio | 12.1367% | 5,466 |
| Memoranda: | ||
| Average total assets | $207,744,000 | 2,912 |
| Average earning assets | $192,882,000 | 2,902 |
| Average equity | $16,858,000 | 3,614 |
| Average total loans | $168,666,000 | 2,416 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 518 |
| Cost of funding earning assets | 0.9975% | 179 |
| Net interest margin | 4.0990% | 1,414 |
| Noninterest income to average assets | 0.6691% | 2,349 |
| Noninterest expense to average assets | 2.9645% | 2,662 |
| Loan and lease loss provision to assets | 0.0989% | 2,335 |
| Net operating income to assets | 1.3119% | 1,240 |
| Return on assets (ROA) | 1.3133% | 1,288 |
| Pretax return on assets | 1.4052% | 1,883 |
| Return on Equity (ROE) | 16.2593% | 530 |
| Retained earnings to average equity (ytd only) | 6.9647% | 1,295 |
| Net charge-offs to loans | -0.0025% | 4,894 |
| Credit loss provision to net charge-offs | -4,875.0000% | 5,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3638% | 3,846 |
| Assets per employee ($millions) | 4.1614% | 3,639 |
| Cash dividends to net income (ytd only)* | 57.1649% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,831 |
| Loan loss allowance to noncurrent loans | 896.2791% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 5,050 |
| Noncurrent loans to loans | 0.1267% | 4,989 |
| Net loans and leases to total assets | 82.2646% | 570 |
| Net loans and leases to deposits | 92.9407% | 1,308 |
| Net loans and leases to core deposits | 102.9875% | 1,296 |
| Total domestic deposits to total assets | 88.5130% | 1,376 |
| Equity capital to assets | 8.3283% | 5,685 |
| Core capital (leverage) ratio | 8.3998% | 5,526 |
| Tier 1 risk-based capital ratio | 11.0758% | 5,481 |
| Total risk-based capital ratio | 12.3242% | 5,386 |
| Memoranda: | ||
| Average total assets | $197,129,600 | 2,975 |
| Average earning assets | $182,652,400 | 2,968 |
| Average equity | $15,923,200 | 3,688 |
| Average total loans | $161,991,800 | 2,445 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 523 |
| Cost of funding earning assets | 1.0166% | 164 |
| Net interest margin | 4.0773% | 1,472 |
| Noninterest income to average assets | 0.6788% | 2,334 |
| Noninterest expense to average assets | 2.9417% | 2,702 |
| Loan and lease loss provision to assets | 0.1330% | 1,684 |
| Net operating income to assets | 1.2902% | 1,367 |
| Return on assets (ROA) | 1.2921% | 1,415 |
| Pretax return on assets | 1.3822% | 2,091 |
| Return on Equity (ROE) | 16.1272% | 570 |
| Retained earnings to average equity (ytd only) | 3.5252% | 3,958 |
| Net charge-offs to loans | -0.0333% | 5,399 |
| Credit loss provision to net charge-offs | -487.5000% | 5,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0337% | 3,885 |
| Assets per employee ($millions) | 4.3737% | 3,209 |
| Cash dividends to net income (ytd only)* | 78.1413% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 3,741 |
| Loan loss allowance to noncurrent loans | 315.0883% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 4,350 |
| Noncurrent loans to loans | 0.3761% | 4,268 |
| Net loans and leases to total assets | 81.3591% | 661 |
| Net loans and leases to deposits | 91.7539% | 1,439 |
| Net loans and leases to core deposits | 101.3699% | 1,420 |
| Total domestic deposits to total assets | 88.6710% | 1,189 |
| Equity capital to assets | 8.1131% | 5,919 |
| Core capital (leverage) ratio | 8.2100% | 5,767 |
| Tier 1 risk-based capital ratio | 10.8339% | 5,742 |
| Total risk-based capital ratio | 12.0845% | 5,669 |
| Memoranda: | ||
| Average total assets | $195,435,000 | 3,018 |
| Average earning assets | $180,996,750 | 3,012 |
| Average equity | $15,658,500 | 3,768 |
| Average total loans | $160,072,000 | 2,474 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 527 |
| Cost of funding earning assets | 1.0320% | 146 |
| Net interest margin | 4.0520% | 1,491 |
| Noninterest income to average assets | 0.7328% | 2,071 |
| Noninterest expense to average assets | 2.9000% | 2,896 |
| Loan and lease loss provision to assets | 0.2015% | 969 |
| Net operating income to assets | 1.2952% | 1,334 |
| Return on assets (ROA) | 1.2981% | 1,388 |
| Pretax return on assets | 1.3880% | 2,034 |
| Return on Equity (ROE) | 16.2726% | 579 |
| Retained earnings to average equity (ytd only) | -2.9021% | 5,916 |
| Net charge-offs to loans | -0.0316% | 5,352 |
| Credit loss provision to net charge-offs | -780.0000% | 5,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6395% | 4,249 |
| Assets per employee ($millions) | 4.1899% | 3,488 |
| Cash dividends to net income (ytd only)* | 117.8344% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 3,768 |
| Loan loss allowance to noncurrent loans | 469.3976% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 4,711 |
| Noncurrent loans to loans | 0.2564% | 4,761 |
| Net loans and leases to total assets | 81.2029% | 643 |
| Net loans and leases to deposits | 91.4717% | 1,428 |
| Net loans and leases to core deposits | 101.9665% | 1,329 |
| Total domestic deposits to total assets | 88.7738% | 1,256 |
| Equity capital to assets | 7.9157% | 6,016 |
| Core capital (leverage) ratio | 8.0572% | 5,901 |
| Tier 1 risk-based capital ratio | 10.6076% | 5,879 |
| Total risk-based capital ratio | 11.8586% | 5,823 |
| Memoranda: | ||
| Average total assets | $193,516,000 | 3,056 |
| Average earning assets | $179,267,330 | 3,050 |
| Average equity | $15,437,000 | 3,822 |
| Average total loans | $158,212,330 | 2,502 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 534 |
| Cost of funding earning assets | 1.0331% | 147 |
| Net interest margin | 4.0109% | 1,516 |
| Noninterest income to average assets | 0.6673% | 2,322 |
| Noninterest expense to average assets | 2.9654% | 2,688 |
| Loan and lease loss provision to assets | 0.2502% | 662 |
| Net operating income to assets | 1.0911% | 1,900 |
| Return on assets (ROA) | 1.0969% | 1,994 |
| Pretax return on assets | 1.1741% | 2,762 |
| Return on Equity (ROE) | 13.6966% | 940 |
| Retained earnings to average equity (ytd only) | -24.8413% | 6,308 |
| Net charge-offs to loans | -0.1100% | 5,889 |
| Credit loss provision to net charge-offs | -279.0698% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6499% | 3,883 |
| Assets per employee ($millions) | 4.2897% | 3,392 |
| Cash dividends to net income (ytd only)* | 281.3688% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,973 |
| Loan loss allowance to noncurrent loans | 421.1581% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 4,151 |
| Noncurrent loans to loans | 0.2852% | 4,752 |
| Net loans and leases to total assets | 80.5852% | 624 |
| Net loans and leases to deposits | 90.5978% | 1,331 |
| Net loans and leases to core deposits | 101.2148% | 1,239 |
| Total domestic deposits to total assets | 88.9483% | 1,305 |
| Equity capital to assets | 7.7436% | 6,116 |
| Core capital (leverage) ratio | 7.8308% | 6,022 |
| Tier 1 risk-based capital ratio | 10.2072% | 6,112 |
| Total risk-based capital ratio | 11.4573% | 6,055 |
| Memoranda: | ||
| Average total assets | $191,812,000 | 3,098 |
| Average earning assets | $177,716,000 | 3,087 |
| Average equity | $15,361,500 | 3,862 |
| Average total loans | $156,390,500 | 2,533 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3877% | 388 |
| Cost of funding earning assets | 1.0197% | 211 |
| Net interest margin | 4.3679% | 935 |
| Noninterest income to average assets | 0.6793% | 2,402 |
| Noninterest expense to average assets | 2.9134% | 3,105 |
| Loan and lease loss provision to assets | 0.2499% | 911 |
| Net operating income to assets | 1.4797% | 914 |
| Return on assets (ROA) | 1.4910% | 934 |
| Pretax return on assets | 1.5950% | 1,251 |
| Return on Equity (ROE) | 17.7767% | 419 |
| Retained earnings to average equity (ytd only) | 8.5073% | 827 |
| Net charge-offs to loans | 0.1018% | 3,053 |
| Credit loss provision to net charge-offs | 298.6111% | 870 |
| Earnings coverage of net charge-offs (x) | 21.9028% | 1,652 |
| Efficiency ratio | 61.3859% | 5,009 |
| Assets per employee ($millions) | 4.3315% | 3,305 |
| Cash dividends to net income (ytd only)* | 52.1434% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 4,481 |
| Loan loss allowance to noncurrent loans | 319.4085% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 4,374 |
| Noncurrent loans to loans | 0.3483% | 4,612 |
| Net loans and leases to total assets | 80.5946% | 660 |
| Net loans and leases to deposits | 91.2776% | 1,367 |
| Net loans and leases to core deposits | 101.2638% | 1,293 |
| Total domestic deposits to total assets | 88.2961% | 1,619 |
| Equity capital to assets | 8.2771% | 5,906 |
| Core capital (leverage) ratio | 8.5430% | 5,508 |
| Tier 1 risk-based capital ratio | 10.8663% | 5,959 |
| Total risk-based capital ratio | 12.0409% | 5,933 |
| Memoranda: | ||
| Average total assets | $172,099,000 | 3,310 |
| Average earning assets | $160,236,200 | 3,277 |
| Average equity | $14,434,600 | 3,952 |
| Average total loans | $141,496,800 | 2,693 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4161% | 368 |
| Cost of funding earning assets | 1.0076% | 238 |
| Net interest margin | 4.4085% | 872 |
| Noninterest income to average assets | 0.6767% | 2,444 |
| Noninterest expense to average assets | 2.9886% | 2,840 |
| Loan and lease loss provision to assets | 0.2229% | 1,023 |
| Net operating income to assets | 1.4731% | 986 |
| Return on assets (ROA) | 1.4871% | 993 |
| Pretax return on assets | 1.5906% | 1,355 |
| Return on Equity (ROE) | 17.6645% | 475 |
| Retained earnings to average equity (ytd only) | 5.0119% | 3,072 |
| Net charge-offs to loans | 0.0618% | 3,325 |
| Credit loss provision to net charge-offs | 437.5000% | 647 |
| Earnings coverage of net charge-offs (x) | 35.2973% | 1,226 |
| Efficiency ratio | 62.4314% | 4,823 |
| Assets per employee ($millions) | 4.2453% | 3,386 |
| Cash dividends to net income (ytd only)* | 71.6277% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 4,832 |
| Loan loss allowance to noncurrent loans | 268.2848% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 4,541 |
| Noncurrent loans to loans | 0.4032% | 4,699 |
| Net loans and leases to total assets | 83.0556% | 397 |
| Net loans and leases to deposits | 94.0868% | 1,035 |
| Net loans and leases to core deposits | 104.9376% | 1,034 |
| Total domestic deposits to total assets | 88.2755% | 1,617 |
| Equity capital to assets | 8.1934% | 6,021 |
| Core capital (leverage) ratio | 8.5579% | 5,590 |
| Tier 1 risk-based capital ratio | 10.7149% | 6,124 |
| Total risk-based capital ratio | 11.8769% | 6,114 |
| Memoranda: | ||
| Average total assets | $167,477,250 | 3,398 |
| Average earning assets | $156,148,250 | 3,359 |
| Average equity | $14,099,500 | 4,031 |
| Average total loans | $138,038,500 | 2,758 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 397 |
| Cost of funding earning assets | 0.9885% | 270 |
| Net interest margin | 4.3699% | 900 |
| Noninterest income to average assets | 0.6968% | 2,298 |
| Noninterest expense to average assets | 3.0987% | 2,506 |
| Loan and lease loss provision to assets | 0.1847% | 1,327 |
| Net operating income to assets | 1.3928% | 1,084 |
| Return on assets (ROA) | 1.4146% | 1,070 |
| Pretax return on assets | 1.5131% | 1,499 |
| Return on Equity (ROE) | 16.6357% | 592 |
| Retained earnings to average equity (ytd only) | -2.7364% | 6,072 |
| Net charge-offs to loans | -0.0015% | 5,041 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9213% | 4,549 |
| Assets per employee ($millions) | 4.3135% | 3,247 |
| Cash dividends to net income (ytd only)* | 116.4491% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 4,911 |
| Loan loss allowance to noncurrent loans | 158.4493% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 3,768 |
| Noncurrent loans to loans | 0.6935% | 3,984 |
| Net loans and leases to total assets | 83.1454% | 366 |
| Net loans and leases to deposits | 94.3623% | 937 |
| Net loans and leases to core deposits | 104.6474% | 975 |
| Total domestic deposits to total assets | 88.1129% | 1,840 |
| Equity capital to assets | 8.1981% | 6,026 |
| Core capital (leverage) ratio | 8.6294% | 5,496 |
| Tier 1 risk-based capital ratio | 10.3776% | 6,287 |
| Total risk-based capital ratio | 11.5130% | 6,277 |
| Memoranda: | ||
| Average total assets | $162,453,000 | 3,503 |
| Average earning assets | $151,536,000 | 3,457 |
| Average equity | $13,813,670 | 4,078 |
| Average total loans | $132,959,330 | 2,817 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 393 |
| Cost of funding earning assets | 0.9540% | 333 |
| Net interest margin | 4.3758% | 848 |
| Noninterest income to average assets | 0.7014% | 2,160 |
| Noninterest expense to average assets | 3.2450% | 2,087 |
| Loan and lease loss provision to assets | 0.1906% | 1,240 |
| Net operating income to assets | 1.2687% | 1,298 |
| Return on assets (ROA) | 1.3112% | 1,232 |
| Pretax return on assets | 1.4027% | 1,735 |
| Return on Equity (ROE) | 15.1231% | 758 |
| Retained earnings to average equity (ytd only) | -24.0914% | 6,576 |
| Net charge-offs to loans | 0.0126% | 3,353 |
| Credit loss provision to net charge-offs | 1,875.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 152.2500% | 319 |
| Efficiency ratio | 67.7094% | 4,223 |
| Assets per employee ($millions) | 4.1221% | 3,677 |
| Cash dividends to net income (ytd only)* | 259.3023% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 4,946 |
| Loan loss allowance to noncurrent loans | 207.5446% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 4,259 |
| Noncurrent loans to loans | 0.5476% | 4,520 |
| Net loans and leases to total assets | 79.8154% | 570 |
| Net loans and leases to deposits | 90.5763% | 1,084 |
| Net loans and leases to core deposits | 99.1419% | 1,161 |
| Total domestic deposits to total assets | 88.1195% | 2,161 |
| Equity capital to assets | 8.1106% | 5,967 |
| Core capital (leverage) ratio | 8.9660% | 5,063 |
| Tier 1 risk-based capital ratio | 10.8878% | 6,203 |
| Total risk-based capital ratio | 12.0698% | 6,186 |
| Memoranda: | ||
| Average total assets | $157,409,500 | 3,599 |
| Average earning assets | $147,172,500 | 3,562 |
| Average equity | $13,648,000 | 4,119 |
| Average total loans | $126,912,500 | 2,925 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 558 |
| Cost of funding earning assets | 1.0624% | 336 |
| Net interest margin | 4.2140% | 1,314 |
| Noninterest income to average assets | 0.8473% | 1,876 |
| Noninterest expense to average assets | 2.9483% | 3,206 |
| Loan and lease loss provision to assets | 0.1788% | 2,067 |
| Net operating income to assets | 1.5660% | 736 |
| Return on assets (ROA) | 1.6206% | 680 |
| Pretax return on assets | 1.7293% | 897 |
| Return on Equity (ROE) | 18.2160% | 392 |
| Retained earnings to average equity (ytd only) | 9.7792% | 598 |
| Net charge-offs to loans | 0.5101% | 1,294 |
| Credit loss provision to net charge-offs | 46.6899% | 3,895 |
| Earnings coverage of net charge-offs (x) | 4.8310% | 3,441 |
| Efficiency ratio | 61.4433% | 5,299 |
| Assets per employee ($millions) | 3.9457% | 3,973 |
| Cash dividends to net income (ytd only)* | 46.3154% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 4,693 |
| Loan loss allowance to noncurrent loans | 133.7662% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 4,049 |
| Noncurrent loans to loans | 0.8930% | 3,759 |
| Net loans and leases to total assets | 79.5459% | 641 |
| Net loans and leases to deposits | 93.3539% | 926 |
| Net loans and leases to core deposits | 101.4494% | 1,065 |
| Total domestic deposits to total assets | 85.2090% | 3,635 |
| Equity capital to assets | 9.2860% | 4,704 |
| Core capital (leverage) ratio | 9.8618% | 3,755 |
| Tier 1 risk-based capital ratio | 12.7209% | 5,159 |
| Total risk-based capital ratio | 13.9637% | 5,111 |
| Memoranda: | ||
| Average total assets | $149,885,000 | 3,705 |
| Average earning assets | $140,530,800 | 3,657 |
| Average equity | $13,334,400 | 4,198 |
| Average total loans | $112,529,800 | 3,196 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 634 |
| Cost of funding earning assets | 1.1020% | 308 |
| Net interest margin | 4.1047% | 1,620 |
| Noninterest income to average assets | 0.8371% | 1,986 |
| Noninterest expense to average assets | 2.9286% | 3,213 |
| Loan and lease loss provision to assets | 0.1521% | 2,364 |
| Net operating income to assets | 1.5027% | 892 |
| Return on assets (ROA) | 1.5737% | 839 |
| Pretax return on assets | 1.6823% | 1,141 |
| Return on Equity (ROE) | 17.8855% | 450 |
| Retained earnings to average equity (ytd only) | 6.5112% | 2,123 |
| Net charge-offs to loans | 0.4574% | 1,402 |
| Credit loss provision to net charge-offs | 45.1187% | 3,614 |
| Earnings coverage of net charge-offs (x) | 5.2164% | 3,251 |
| Efficiency ratio | 62.4786% | 5,066 |
| Assets per employee ($millions) | 4.1148% | 3,610 |
| Cash dividends to net income (ytd only)* | 63.5951% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,312 |
| Loan loss allowance to noncurrent loans | 269.2308% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 5,218 |
| Noncurrent loans to loans | 0.4882% | 4,978 |
| Net loans and leases to total assets | 78.0483% | 739 |
| Net loans and leases to deposits | 87.6835% | 1,403 |
| Net loans and leases to core deposits | 95.1619% | 1,457 |
| Total domestic deposits to total assets | 89.0113% | 1,546 |
| Equity capital to assets | 8.9595% | 5,235 |
| Core capital (leverage) ratio | 9.4766% | 4,444 |
| Tier 1 risk-based capital ratio | 12.4546% | 5,479 |
| Total risk-based capital ratio | 13.7058% | 5,420 |
| Memoranda: | ||
| Average total assets | $149,872,250 | 3,746 |
| Average earning assets | $140,583,000 | 3,694 |
| Average equity | $13,187,250 | 4,274 |
| Average total loans | $110,484,750 | 3,257 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 807 |
| Cost of funding earning assets | 1.1239% | 303 |
| Net interest margin | 3.9528% | 2,036 |
| Noninterest income to average assets | 0.8016% | 2,178 |
| Noninterest expense to average assets | 2.9245% | 3,258 |
| Loan and lease loss provision to assets | 0.1515% | 2,429 |
| Net operating income to assets | 1.3487% | 1,199 |
| Return on assets (ROA) | 1.4224% | 1,119 |
| Pretax return on assets | 1.5208% | 1,559 |
| Return on Equity (ROE) | 16.2626% | 637 |
| Retained earnings to average equity (ytd only) | -0.8359% | 6,017 |
| Net charge-offs to loans | 0.7408% | 874 |
| Credit loss provision to net charge-offs | 28.4289% | 3,621 |
| Earnings coverage of net charge-offs (x) | 2.9900% | 3,534 |
| Efficiency ratio | 64.7249% | 4,753 |
| Assets per employee ($millions) | 4.3213% | 3,137 |
| Cash dividends to net income (ytd only)* | 105.1402% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,335 |
| Loan loss allowance to noncurrent loans | 241.4876% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 5,187 |
| Noncurrent loans to loans | 0.5533% | 4,876 |
| Net loans and leases to total assets | 71.3288% | 1,671 |
| Net loans and leases to deposits | 78.6966% | 2,497 |
| Net loans and leases to core deposits | 85.4714% | 2,386 |
| Total domestic deposits to total assets | 90.6378% | 688 |
| Equity capital to assets | 8.4564% | 5,812 |
| Core capital (leverage) ratio | 8.8646% | 5,202 |
| Tier 1 risk-based capital ratio | 12.4856% | 5,515 |
| Total risk-based capital ratio | 13.7372% | 5,451 |
| Memoranda: | ||
| Average total assets | $150,451,670 | 3,758 |
| Average earning assets | $141,471,000 | 3,704 |
| Average equity | $13,159,000 | 4,310 |
| Average total loans | $108,261,000 | 3,314 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 756 |
| Cost of funding earning assets | 1.1413% | 300 |
| Net interest margin | 3.9462% | 1,961 |
| Noninterest income to average assets | 0.8850% | 1,810 |
| Noninterest expense to average assets | 2.8923% | 3,374 |
| Loan and lease loss provision to assets | 0.1519% | 2,349 |
| Net operating income to assets | 1.4467% | 963 |
| Return on assets (ROA) | 1.5594% | 827 |
| Pretax return on assets | 1.6661% | 1,159 |
| Return on Equity (ROE) | 17.5366% | 470 |
| Retained earnings to average equity (ytd only) | -16.1877% | 6,775 |
| Net charge-offs to loans | 0.3528% | 1,586 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 6.7053% | 2,180 |
| Efficiency ratio | 63.0081% | 5,153 |
| Assets per employee ($millions) | 4.1683% | 3,594 |
| Cash dividends to net income (ytd only)* | 192.3077% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 3,372 |
| Loan loss allowance to noncurrent loans | 149.3450% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 4,416 |
| Noncurrent loans to loans | 1.0763% | 3,999 |
| Net loans and leases to total assets | 69.7530% | 1,704 |
| Net loans and leases to deposits | 77.1044% | 2,473 |
| Net loans and leases to core deposits | 84.0089% | 2,318 |
| Total domestic deposits to total assets | 90.4657% | 786 |
| Equity capital to assets | 8.6720% | 5,840 |
| Core capital (leverage) ratio | 8.5633% | 5,491 |
| Tier 1 risk-based capital ratio | 12.7965% | 5,373 |
| Total risk-based capital ratio | 13.9863% | 5,360 |
| Memoranda: | ||
| Average total assets | $150,054,500 | 3,807 |
| Average earning assets | $140,895,000 | 3,751 |
| Average equity | $13,343,500 | 4,320 |
| Average total loans | $107,720,000 | 3,340 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 731 |
| Cost of funding earning assets | 1.2437% | 475 |
| Net interest margin | 4.1785% | 1,715 |
| Noninterest income to average assets | 0.9601% | 1,666 |
| Noninterest expense to average assets | 3.1069% | 2,900 |
| Loan and lease loss provision to assets | 0.1603% | 3,614 |
| Net operating income to assets | 1.5065% | 903 |
| Return on assets (ROA) | 1.5935% | 848 |
| Pretax return on assets | 1.7027% | 1,131 |
| Return on Equity (ROE) | 18.3395% | 416 |
| Retained earnings to average equity (ytd only) | 15.1597% | 152 |
| Net charge-offs to loans | 0.0617% | 5,082 |
| Credit loss provision to net charge-offs | 351.5152% | 693 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 822 |
| Efficiency ratio | 63.7020% | 4,941 |
| Assets per employee ($millions) | 4.1681% | 3,616 |
| Cash dividends to net income (ytd only)* | 17.3385% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,299 |
| Loan loss allowance to noncurrent loans | 190.2067% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 4,451 |
| Noncurrent loans to loans | 0.8427% | 4,504 |
| Net loans and leases to total assets | 71.5170% | 1,565 |
| Net loans and leases to deposits | 79.4409% | 2,359 |
| Net loans and leases to core deposits | 86.9775% | 2,195 |
| Total domestic deposits to total assets | 90.0254% | 934 |
| Equity capital to assets | 9.1129% | 5,391 |
| Core capital (leverage) ratio | 9.1279% | 4,691 |
| Tier 1 risk-based capital ratio | 13.0213% | 5,091 |
| Total risk-based capital ratio | 14.2777% | 5,026 |
| Memoranda: | ||
| Average total assets | $144,772,400 | 3,864 |
| Average earning assets | $135,719,600 | 3,799 |
| Average equity | $12,579,400 | 4,445 |
| Average total loans | $106,909,800 | 3,354 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4397% | 761 |
| Cost of funding earning assets | 1.2557% | 544 |
| Net interest margin | 4.1840% | 1,780 |
| Noninterest income to average assets | 0.8588% | 1,985 |
| Noninterest expense to average assets | 3.0179% | 3,178 |
| Loan and lease loss provision to assets | 0.1617% | 3,488 |
| Net operating income to assets | 1.5015% | 1,017 |
| Return on assets (ROA) | 1.5577% | 1,034 |
| Pretax return on assets | 1.6665% | 1,371 |
| Return on Equity (ROE) | 18.1591% | 484 |
| Retained earnings to average equity (ytd only) | 13.8252% | 316 |
| Net charge-offs to loans | -0.0025% | 6,215 |
| Credit loss provision to net charge-offs | -8,700.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0608% | 4,968 |
| Assets per employee ($millions) | 4.0030% | 3,861 |
| Cash dividends to net income (ytd only)* | 23.8664% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 3,447 |
| Loan loss allowance to noncurrent loans | 175.6244% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 4,649 |
| Noncurrent loans to loans | 0.9222% | 4,590 |
| Net loans and leases to total assets | 72.1018% | 1,535 |
| Net loans and leases to deposits | 79.9219% | 2,401 |
| Net loans and leases to core deposits | 87.5593% | 2,265 |
| Total domestic deposits to total assets | 90.2154% | 720 |
| Equity capital to assets | 8.8833% | 5,940 |
| Core capital (leverage) ratio | 8.7100% | 5,459 |
| Tier 1 risk-based capital ratio | 12.5407% | 5,609 |
| Total risk-based capital ratio | 13.7966% | 5,569 |
| Memoranda: | ||
| Average total assets | $143,452,750 | 3,929 |
| Average earning assets | $134,637,000 | 3,857 |
| Average equity | $12,305,750 | 4,539 |
| Average total loans | $106,372,250 | 3,405 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 845 |
| Cost of funding earning assets | 1.2686% | 600 |
| Net interest margin | 4.1467% | 1,920 |
| Noninterest income to average assets | 0.8865% | 1,831 |
| Noninterest expense to average assets | 3.1360% | 2,800 |
| Loan and lease loss provision to assets | 0.1635% | 3,464 |
| Net operating income to assets | 1.3688% | 1,260 |
| Return on assets (ROA) | 1.4531% | 1,211 |
| Pretax return on assets | 1.5715% | 1,632 |
| Return on Equity (ROE) | 17.1519% | 617 |
| Retained earnings to average equity (ytd only) | 10.4974% | 851 |
| Net charge-offs to loans | -0.0189% | 6,417 |
| Credit loss provision to net charge-offs | -1,160.0000% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6149% | 4,597 |
| Assets per employee ($millions) | 4.0337% | 3,811 |
| Cash dividends to net income (ytd only)* | 38.7973% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 3,674 |
| Loan loss allowance to noncurrent loans | 168.6081% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 5,037 |
| Noncurrent loans to loans | 0.9368% | 4,638 |
| Net loans and leases to total assets | 73.2915% | 1,354 |
| Net loans and leases to deposits | 80.9498% | 2,234 |
| Net loans and leases to core deposits | 87.8953% | 2,218 |
| Total domestic deposits to total assets | 90.5393% | 640 |
| Equity capital to assets | 8.5682% | 6,145 |
| Core capital (leverage) ratio | 8.5415% | 5,592 |
| Tier 1 risk-based capital ratio | 12.2967% | 5,725 |
| Total risk-based capital ratio | 13.5410% | 5,704 |
| Memoranda: | ||
| Average total assets | $141,900,330 | 3,973 |
| Average earning assets | $133,214,670 | 3,901 |
| Average equity | $12,022,000 | 4,595 |
| Average total loans | $105,647,000 | 3,442 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 916 |
| Cost of funding earning assets | 1.2998% | 631 |
| Net interest margin | 4.0973% | 2,097 |
| Noninterest income to average assets | 0.8671% | 1,877 |
| Noninterest expense to average assets | 3.2800% | 2,351 |
| Loan and lease loss provision to assets | 0.1654% | 3,322 |
| Net operating income to assets | 1.2190% | 1,683 |
| Return on assets (ROA) | 1.2550% | 1,758 |
| Pretax return on assets | 1.2977% | 2,545 |
| Return on Equity (ROE) | 14.9001% | 987 |
| Retained earnings to average equity (ytd only) | 1.3546% | 5,558 |
| Net charge-offs to loans | -0.0038% | 5,768 |
| Credit loss provision to net charge-offs | -5,800.0000% | 6,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6970% | 3,867 |
| Assets per employee ($millions) | 3.9143% | 4,174 |
| Cash dividends to net income (ytd only)* | 90.9091% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 3,758 |
| Loan loss allowance to noncurrent loans | 138.2477% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 4,847 |
| Noncurrent loans to loans | 1.1510% | 4,406 |
| Net loans and leases to total assets | 72.0181% | 1,394 |
| Net loans and leases to deposits | 79.3254% | 2,294 |
| Net loans and leases to core deposits | 86.3386% | 2,252 |
| Total domestic deposits to total assets | 90.7881% | 647 |
| Equity capital to assets | 8.3837% | 6,191 |
| Core capital (leverage) ratio | 8.2854% | 5,899 |
| Tier 1 risk-based capital ratio | 12.2837% | 5,772 |
| Total risk-based capital ratio | 13.5426% | 5,728 |
| Memoranda: | ||
| Average total assets | $140,244,500 | 4,026 |
| Average earning assets | $131,403,500 | 3,958 |
| Average equity | $11,812,000 | 4,655 |
| Average total loans | $104,402,500 | 3,496 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7402% | 718 |
| Cost of funding earning assets | 1.5070% | 693 |
| Net interest margin | 4.2332% | 1,952 |
| Noninterest income to average assets | 0.6386% | 2,955 |
| Noninterest expense to average assets | 3.4600% | 2,092 |
| Loan and lease loss provision to assets | 0.2234% | 3,968 |
| Net operating income to assets | 1.0429% | 2,032 |
| Return on assets (ROA) | 1.0761% | 2,041 |
| Pretax return on assets | 0.9436% | 3,452 |
| Return on Equity (ROE) | 12.8483% | 1,196 |
| Retained earnings to average equity (ytd only) | 12.8483% | 240 |
| Net charge-offs to loans | 0.1067% | 5,292 |
| Credit loss provision to net charge-offs | 266.0550% | 905 |
| Earnings coverage of net charge-offs (x) | 13.5046% | 1,535 |
| Efficiency ratio | 75.3186% | 3,004 |
| Assets per employee ($millions) | 3.8770% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 4,041 |
| Loan loss allowance to noncurrent loans | 157.2565% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 5,156 |
| Noncurrent loans to loans | 0.9519% | 4,799 |
| Net loans and leases to total assets | 74.5825% | 1,158 |
| Net loans and leases to deposits | 82.2414% | 2,165 |
| Net loans and leases to core deposits | 89.5281% | 2,191 |
| Total domestic deposits to total assets | 90.6873% | 635 |
| Equity capital to assets | 8.4615% | 6,191 |
| Core capital (leverage) ratio | 8.3080% | 5,845 |
| Tier 1 risk-based capital ratio | 12.0477% | 5,804 |
| Total risk-based capital ratio | 13.3024% | 5,782 |
| Memoranda: | ||
| Average total assets | $129,824,800 | 4,174 |
| Average earning assets | $121,302,200 | 4,107 |
| Average equity | $10,873,000 | 4,812 |
| Average total loans | $102,160,600 | 3,570 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7673% | 747 |
| Cost of funding earning assets | 1.5331% | 764 |
| Net interest margin | 4.2342% | 1,970 |
| Noninterest income to average assets | 0.5872% | 3,252 |
| Noninterest expense to average assets | 3.4801% | 1,990 |
| Loan and lease loss provision to assets | 0.2250% | 3,761 |
| Net operating income to assets | 0.8394% | 2,988 |
| Return on assets (ROA) | 0.8467% | 3,105 |
| Pretax return on assets | 0.8467% | 3,961 |
| Return on Equity (ROE) | 10.1388% | 2,149 |
| Retained earnings to average equity (ytd only) | 10.1388% | 806 |
| Net charge-offs to loans | 0.1027% | 4,968 |
| Credit loss provision to net charge-offs | 275.6410% | 1,042 |
| Earnings coverage of net charge-offs (x) | 13.0382% | 1,650 |
| Efficiency ratio | 76.5776% | 2,754 |
| Assets per employee ($millions) | 4.0879% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 4,322 |
| Loan loss allowance to noncurrent loans | 197.9408% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 5,679 |
| Noncurrent loans to loans | 0.7340% | 5,409 |
| Net loans and leases to total assets | 77.3286% | 798 |
| Net loans and leases to deposits | 85.2207% | 1,801 |
| Net loans and leases to core deposits | 93.2251% | 1,855 |
| Total domestic deposits to total assets | 90.7391% | 537 |
| Equity capital to assets | 8.3543% | 6,438 |
| Core capital (leverage) ratio | 8.1781% | 6,159 |
| Tier 1 risk-based capital ratio | 11.5786% | 6,188 |
| Total risk-based capital ratio | 12.8334% | 6,181 |
| Memoranda: | ||
| Average total assets | $127,387,750 | 4,244 |
| Average earning assets | $119,060,000 | 4,177 |
| Average equity | $10,638,750 | 4,885 |
| Average total loans | $101,281,000 | 3,618 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 927 |
| Cost of funding earning assets | 1.5285% | 906 |
| Net interest margin | 4.1411% | 2,261 |
| Noninterest income to average assets | 0.5253% | 3,661 |
| Noninterest expense to average assets | 3.5313% | 1,908 |
| Loan and lease loss provision to assets | 0.2082% | 3,844 |
| Net operating income to assets | 0.6518% | 3,790 |
| Return on assets (ROA) | 0.6550% | 3,899 |
| Pretax return on assets | 0.6550% | 4,556 |
| Return on Equity (ROE) | 7.8440% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.8440% | 1,515 |
| Net charge-offs to loans | 0.1624% | 4,203 |
| Credit loss provision to net charge-offs | 160.4938% | 1,892 |
| Earnings coverage of net charge-offs (x) | 6.6296% | 2,363 |
| Efficiency ratio | 80.4158% | 2,321 |
| Assets per employee ($millions) | 3.4313% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 4,547 |
| Loan loss allowance to noncurrent loans | 156.5875% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 5,488 |
| Noncurrent loans to loans | 0.8969% | 5,171 |
| Net loans and leases to total assets | 78.0713% | 771 |
| Net loans and leases to deposits | 85.9664% | 1,802 |
| Net loans and leases to core deposits | 94.5428% | 1,843 |
| Total domestic deposits to total assets | 90.8161% | 579 |
| Equity capital to assets | 8.2651% | 6,455 |
| Core capital (leverage) ratio | 8.3958% | 5,718 |
| Tier 1 risk-based capital ratio | 11.3850% | 6,263 |
| Total risk-based capital ratio | 12.6390% | 6,243 |
| Memoranda: | ||
| Average total assets | $124,883,330 | 4,325 |
| Average earning assets | $116,586,000 | 4,263 |
| Average equity | $10,428,330 | 4,944 |
| Average total loans | $99,756,330 | 3,691 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6508% | 975 |
| Cost of funding earning assets | 1.5564% | 960 |
| Net interest margin | 4.0944% | 2,288 |
| Noninterest income to average assets | 0.4913% | 3,957 |
| Noninterest expense to average assets | 3.6322% | 1,697 |
| Loan and lease loss provision to assets | 0.1965% | 3,664 |
| Net operating income to assets | 0.4880% | 4,535 |
| Return on assets (ROA) | 0.4946% | 4,592 |
| Pretax return on assets | 0.4946% | 5,046 |
| Return on Equity (ROE) | 5.8904% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.8904% | 2,706 |
| Net charge-offs to loans | -0.0571% | 6,926 |
| Credit loss provision to net charge-offs | -428.5714% | 5,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1426% | 1,944 |
| Assets per employee ($millions) | 3.2007% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 4,424 |
| Loan loss allowance to noncurrent loans | 177.4970% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 5,579 |
| Noncurrent loans to loans | 0.8184% | 5,399 |
| Net loans and leases to total assets | 82.2684% | 327 |
| Net loans and leases to deposits | 91.1716% | 1,097 |
| Net loans and leases to core deposits | 99.1537% | 1,411 |
| Total domestic deposits to total assets | 90.2347% | 1,001 |
| Equity capital to assets | 8.4999% | 5,903 |
| Core capital (leverage) ratio | 8.4144% | 5,603 |
| Tier 1 risk-based capital ratio | 11.7753% | 5,872 |
| Total risk-based capital ratio | 13.0309% | 5,882 |
| Memoranda: | ||
| Average total assets | $122,129,500 | 4,415 |
| Average earning assets | $114,108,000 | 4,354 |
| Average equity | $10,254,000 | 4,974 |
| Average total loans | $98,010,500 | 3,774 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 1,020 |
| Cost of funding earning assets | 1.8861% | 891 |
| Net interest margin | 4.0245% | 2,909 |
| Noninterest income to average assets | 0.8053% | 2,256 |
| Noninterest expense to average assets | 3.8393% | 1,418 |
| Loan and lease loss provision to assets | 0.2479% | 4,814 |
| Net operating income to assets | 0.4394% | 4,367 |
| Return on assets (ROA) | 0.4369% | 4,531 |
| Pretax return on assets | 0.4369% | 4,833 |
| Return on Equity (ROE) | 5.3978% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.3978% | 2,177 |
| Net charge-offs to loans | 0.0445% | 6,361 |
| Credit loss provision to net charge-offs | 707.3171% | 302 |
| Earnings coverage of net charge-offs (x) | 19.6098% | 1,049 |
| Efficiency ratio | 84.8159% | 1,822 |
| Assets per employee ($millions) | 3.4065% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 4,113 |
| Loan loss allowance to noncurrent loans | 151.1327% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7681% | 5,477 |
| Noncurrent loans to loans | 0.9811% | 5,094 |
| Net loans and leases to total assets | 75.9055% | 1,290 |
| Net loans and leases to deposits | 83.6540% | 2,504 |
| Net loans and leases to core deposits | 91.0021% | 2,616 |
| Total domestic deposits to total assets | 90.7375% | 725 |
| Equity capital to assets | 8.2930% | 6,155 |
| Core capital (leverage) ratio | 8.2818% | 5,710 |
| Tier 1 risk-based capital ratio | 11.7932% | 5,656 |
| Total risk-based capital ratio | 13.0482% | 5,649 |
| Memoranda: | ||
| Average total assets | $116,973,000 | 4,553 |
| Average earning assets | $108,161,400 | 4,510 |
| Average equity | $9,466,800 | 5,273 |
| Average total loans | $92,050,600 | 4,005 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9293% | 1,073 |
| Cost of funding earning assets | 1.9339% | 921 |
| Net interest margin | 3.9954% | 3,125 |
| Noninterest income to average assets | 0.7154% | 2,737 |
| Noninterest expense to average assets | 3.8871% | 1,222 |
| Loan and lease loss provision to assets | 0.2308% | 4,765 |
| Net operating income to assets | 0.2850% | 5,225 |
| Return on assets (ROA) | 0.2850% | 5,389 |
| Pretax return on assets | 0.2850% | 5,546 |
| Return on Equity (ROE) | 3.5446% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.5446% | 3,958 |
| Net charge-offs to loans | 0.0058% | 6,586 |
| Credit loss provision to net charge-offs | 5,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 111.8180% | 283 |
| Efficiency ratio | 88.2862% | 1,436 |
| Assets per employee ($millions) | 3.4781% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 4,476 |
| Loan loss allowance to noncurrent loans | 235.2531% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 6,249 |
| Noncurrent loans to loans | 0.5939% | 6,027 |
| Net loans and leases to total assets | 78.1522% | 1,019 |
| Net loans and leases to deposits | 86.1717% | 2,297 |
| Net loans and leases to core deposits | 93.7569% | 2,557 |
| Total domestic deposits to total assets | 90.6936% | 551 |
| Equity capital to assets | 8.2541% | 6,557 |
| Core capital (leverage) ratio | 8.2190% | 6,010 |
| Tier 1 risk-based capital ratio | 11.3216% | 6,080 |
| Total risk-based capital ratio | 12.5756% | 6,075 |
| Memoranda: | ||
| Average total assets | $115,557,750 | 4,647 |
| Average earning assets | $106,653,750 | 4,601 |
| Average equity | $9,291,000 | 5,406 |
| Average total loans | $91,441,500 | 4,082 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8571% | 1,287 |
| Cost of funding earning assets | 1.9824% | 949 |
| Net interest margin | 3.8748% | 3,562 |
| Noninterest income to average assets | 0.5885% | 3,424 |
| Noninterest expense to average assets | 3.8538% | 1,261 |
| Loan and lease loss provision to assets | 0.2203% | 4,691 |
| Net operating income to assets | 0.0828% | 5,915 |
| Return on assets (ROA) | 0.0828% | 6,019 |
| Pretax return on assets | 0.0828% | 6,012 |
| Return on Equity (ROE) | 1.0400% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.0400% | 5,351 |
| Net charge-offs to loans | -0.0111% | 7,210 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7088% | 1,145 |
| Assets per employee ($millions) | 2.9940% | 6,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,753 |
| Loan loss allowance to noncurrent loans | 258.9899% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 6,415 |
| Noncurrent loans to loans | 0.5151% | 6,222 |
| Net loans and leases to total assets | 79.1730% | 922 |
| Net loans and leases to deposits | 86.9872% | 2,339 |
| Net loans and leases to core deposits | 94.0103% | 2,709 |
| Total domestic deposits to total assets | 91.0169% | 477 |
| Equity capital to assets | 7.9352% | 6,824 |
| Core capital (leverage) ratio | 8.0124% | 6,257 |
| Tier 1 risk-based capital ratio | 10.8734% | 6,382 |
| Total risk-based capital ratio | 12.1266% | 6,364 |
| Memoranda: | ||
| Average total assets | $113,499,330 | 4,718 |
| Average earning assets | $104,522,330 | 4,678 |
| Average equity | $9,038,670 | 5,491 |
| Average total loans | $89,760,330 | 4,145 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9210% | 1,152 |
| Cost of funding earning assets | 2.0476% | 950 |
| Net interest margin | 3.8734% | 3,437 |
| Noninterest income to average assets | 0.6379% | 3,017 |
| Noninterest expense to average assets | 3.8308% | 1,276 |
| Loan and lease loss provision to assets | 0.2718% | 3,851 |
| Net operating income to assets | 0.0797% | 6,081 |
| Return on assets (ROA) | 0.0797% | 6,191 |
| Pretax return on assets | 0.0797% | 6,192 |
| Return on Equity (ROE) | 0.9993% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.9993% | 5,413 |
| Net charge-offs to loans | 0.1663% | 3,928 |
| Credit loss provision to net charge-offs | 208.3333% | 1,786 |
| Earnings coverage of net charge-offs (x) | 2.6944% | 3,191 |
| Efficiency ratio | 91.5945% | 1,310 |
| Assets per employee ($millions) | 2.8961% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,825 |
| Loan loss allowance to noncurrent loans | 133.8202% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2794% | 4,614 |
| Noncurrent loans to loans | 0.9864% | 5,352 |
| Net loans and leases to total assets | 78.8272% | 1,002 |
| Net loans and leases to deposits | 88.7773% | 2,079 |
| Net loans and leases to core deposits | 96.5410% | 2,519 |
| Total domestic deposits to total assets | 88.7921% | 1,625 |
| Equity capital to assets | 7.9683% | 6,692 |
| Core capital (leverage) ratio | 8.0381% | 6,179 |
| Tier 1 risk-based capital ratio | 10.7673% | 6,374 |
| Total risk-based capital ratio | 12.0200% | 6,357 |
| Memoranda: | ||
| Average total assets | $110,370,000 | 4,863 |
| Average earning assets | $100,997,000 | 4,848 |
| Average equity | $8,806,500 | 5,590 |
| Average total loans | $86,591,500 | 4,302 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9595% | 2,019 |
| Cost of funding earning assets | 2.5991% | 780 |
| Net interest margin | 3.3605% | 5,523 |
| Noninterest income to average assets | 0.8576% | 2,149 |
| Noninterest expense to average assets | 4.6246% | 698 |
| Loan and lease loss provision to assets | 0.5009% | 3,870 |
| Net operating income to assets | -1.2093% | 6,716 |
| Return on assets (ROA) | -1.2043% | 6,710 |
| Pretax return on assets | -1.1982% | 6,540 |
| Return on Equity (ROE) | -15.1873% | 6,946 |
| Retained earnings to average equity (ytd only) | -15.1873% | 6,896 |
| Net charge-offs to loans | 0.2018% | 5,376 |
| Credit loss provision to net charge-offs | 316.5605% | 1,030 |
| Earnings coverage of net charge-offs (x) | -4.4395% | 7,094 |
| Efficiency ratio | 117.9085% | 647 |
| Assets per employee ($millions) | 2.9133% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 4,290 |
| Loan loss allowance to noncurrent loans | 85.6506% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6699% | 3,866 |
| Noncurrent loans to loans | 1.6213% | 4,214 |
| Net loans and leases to total assets | 75.8927% | 1,823 |
| Net loans and leases to deposits | 85.6429% | 2,973 |
| Net loans and leases to core deposits | 140.1765% | 807 |
| Total domestic deposits to total assets | 88.6152% | 1,670 |
| Equity capital to assets | 7.9903% | 6,595 |
| Core capital (leverage) ratio | 8.2735% | 5,665 |
| Tier 1 risk-based capital ratio | 11.0523% | 5,876 |
| Total risk-based capital ratio | 12.3049% | 5,833 |
| Memoranda: | ||
| Average total assets | $99,229,400 | 5,102 |
| Average earning assets | $90,493,600 | 5,104 |
| Average equity | $7,868,400 | 5,969 |
| Average total loans | $77,808,400 | 4,592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9906% | 2,082 |
| Cost of funding earning assets | 2.7410% | 707 |
| Net interest margin | 3.2495% | 5,836 |
| Noninterest income to average assets | 0.9379% | 1,825 |
| Noninterest expense to average assets | 4.6527% | 635 |
| Loan and lease loss provision to assets | 0.4697% | 3,557 |
| Net operating income to assets | -1.2208% | 6,968 |
| Return on assets (ROA) | -1.2154% | 6,976 |
| Pretax return on assets | -1.2126% | 6,822 |
| Return on Equity (ROE) | -15.3597% | 7,209 |
| Retained earnings to average equity (ytd only) | -15.3597% | 7,157 |
| Net charge-offs to loans | 0.2230% | 4,652 |
| Credit loss provision to net charge-offs | 267.1875% | 1,585 |
| Earnings coverage of net charge-offs (x) | -4.2579% | 6,837 |
| Efficiency ratio | 119.1699% | 596 |
| Assets per employee ($millions) | 2.8152% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,267 |
| Loan loss allowance to noncurrent loans | 150.2196% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 4,572 |
| Noncurrent loans to loans | 0.8913% | 5,500 |
| Net loans and leases to total assets | 74.6014% | 2,340 |
| Net loans and leases to deposits | 85.1344% | 3,476 |
| Net loans and leases to core deposits | 139.1088% | 961 |
| Total domestic deposits to total assets | 87.6278% | 1,835 |
| Equity capital to assets | 8.3396% | 6,457 |
| Core capital (leverage) ratio | 8.4098% | 5,653 |
| Tier 1 risk-based capital ratio | 11.7661% | 5,183 |
| Total risk-based capital ratio | 13.0182% | 5,125 |
| Memoranda: | ||
| Average total assets | $97,088,500 | 5,209 |
| Average earning assets | $88,626,250 | 5,209 |
| Average equity | $7,682,250 | 6,089 |
| Average total loans | $76,520,750 | 4,671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0731% | 1,892 |
| Cost of funding earning assets | 2.8292% | 729 |
| Net interest margin | 3.2439% | 5,758 |
| Noninterest income to average assets | 1.0453% | 1,446 |
| Noninterest expense to average assets | 4.8187% | 588 |
| Loan and lease loss provision to assets | 0.5603% | 2,781 |
| Net operating income to assets | -1.3735% | 7,192 |
| Return on assets (ROA) | -1.3651% | 7,194 |
| Pretax return on assets | -1.3651% | 7,015 |
| Return on Equity (ROE) | -17.5876% | 7,444 |
| Retained earnings to average equity (ytd only) | -17.5876% | 7,378 |
| Net charge-offs to loans | 0.3190% | 3,589 |
| Credit loss provision to net charge-offs | 219.6721% | 2,094 |
| Earnings coverage of net charge-offs (x) | -3.1885% | 6,412 |
| Efficiency ratio | 120.3027% | 661 |
| Assets per employee ($millions) | 3.0025% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,220 |
| Loan loss allowance to noncurrent loans | 98.8648% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 4,537 |
| Noncurrent loans to loans | 1.3235% | 4,569 |
| Net loans and leases to total assets | 72.9282% | 2,968 |
| Net loans and leases to deposits | 82.9122% | 4,061 |
| Net loans and leases to core deposits | 131.9082% | 1,437 |
| Total domestic deposits to total assets | 87.9583% | 1,795 |
| Equity capital to assets | 7.9016% | 6,862 |
| Core capital (leverage) ratio | 8.0382% | 6,258 |
| Tier 1 risk-based capital ratio | 10.9786% | 5,892 |
| Total risk-based capital ratio | 12.2288% | 5,829 |
| Memoranda: | ||
| Average total assets | $95,668,670 | 5,290 |
| Average earning assets | $87,302,330 | 5,287 |
| Average equity | $7,425,670 | 6,209 |
| Average total loans | $76,483,330 | 4,718 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3498% | 1,178 |
| Cost of funding earning assets | 2.9292% | 717 |
| Net interest margin | 3.4206% | 5,054 |
| Noninterest income to average assets | 0.9919% | 1,504 |
| Noninterest expense to average assets | 4.2826% | 869 |
| Loan and lease loss provision to assets | 0.8173% | 1,582 |
| Net operating income to assets | -0.9961% | 7,253 |
| Return on assets (ROA) | -0.9791% | 7,265 |
| Pretax return on assets | -0.9791% | 7,147 |
| Return on Equity (ROE) | -12.7353% | 7,508 |
| Retained earnings to average equity (ytd only) | -12.7353% | 7,304 |
| Net charge-offs to loans | 0.7220% | 1,746 |
| Credit loss provision to net charge-offs | 136.1702% | 2,982 |
| Earnings coverage of net charge-offs (x) | -0.2979% | 5,182 |
| Efficiency ratio | 104.3568% | 974 |
| Assets per employee ($millions) | 2.9698% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,193 |
| Loan loss allowance to noncurrent loans | 98.0682% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 4,077 |
| Noncurrent loans to loans | 1.1614% | 4,660 |
| Net loans and leases to total assets | 78.8229% | 1,619 |
| Net loans and leases to deposits | 89.6381% | 2,989 |
| Net loans and leases to core deposits | 148.3395% | 761 |
| Total domestic deposits to total assets | 87.9346% | 1,773 |
| Equity capital to assets | 7.9457% | 6,890 |
| Core capital (leverage) ratio | 8.0018% | 6,438 |
| Tier 1 risk-based capital ratio | 10.3252% | 6,569 |
| Total risk-based capital ratio | 11.5112% | 6,556 |
| Memoranda: | ||
| Average total assets | $93,962,500 | 5,374 |
| Average earning assets | $85,483,000 | 5,381 |
| Average equity | $7,224,000 | 6,328 |
| Average total loans | $78,117,000 | 4,679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2666% | 638 |
| Cost of funding earning assets | 3.4663% | 571 |
| Net interest margin | 3.8002% | 4,017 |
| Noninterest income to average assets | 0.7677% | 2,681 |
| Noninterest expense to average assets | 4.9895% | 627 |
| Loan and lease loss provision to assets | 1.5896% | 829 |
| Net operating income to assets | -2.3912% | 7,680 |
| Return on assets (ROA) | -2.3912% | 7,647 |
| Pretax return on assets | -2.3912% | 7,559 |
| Return on Equity (ROE) | -34.3010% | 8,016 |
| Retained earnings to average equity (ytd only) | -34.3010% | 7,976 |
| Net charge-offs to loans | 1.9197% | 574 |
| Credit loss provision to net charge-offs | 99.2706% | 5,402 |
| Earnings coverage of net charge-offs (x) | -0.5007% | 6,486 |
| Efficiency ratio | 119.1430% | 580 |
| Assets per employee ($millions) | 2.9029% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 5,949 |
| Loan loss allowance to noncurrent loans | 71.4160% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2940% | 3,638 |
| Noncurrent loans to loans | 1.4131% | 3,692 |
| Net loans and leases to total assets | 85.7460% | 633 |
| Net loans and leases to deposits | 97.0065% | 2,288 |
| Net loans and leases to core deposits | 159.3550% | 589 |
| Total domestic deposits to total assets | 88.3920% | 1,293 |
| Equity capital to assets | 7.4247% | 7,450 |
| Core capital (leverage) ratio | 7.4525% | 7,258 |
| Tier 1 risk-based capital ratio | 9.2437% | 7,574 |
| Total risk-based capital ratio | 10.3326% | 7,696 |
| Memoranda: | ||
| Average total assets | $94,177,400 | 5,223 |
| Average earning assets | $84,757,800 | 5,279 |
| Average equity | $6,565,400 | 6,615 |
| Average total loans | $78,553,600 | 4,567 |