Home > American Pride Bank > Performance and Condition Ratios
American Pride Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2759% | 449 |
| Cost of funding earning assets | 2.4077% | 453 |
| Net interest margin | 3.8682% | 1,447 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.7965% | 1,507 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 0.8361% | 2,755 |
| Return on assets (ROA) | 0.8361% | 2,734 |
| Pretax return on assets | 0.8361% | 3,123 |
| Return on Equity (ROE) | 7.4300% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.5170% | 3,117 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.0549% | 1,754 |
| Assets per employee ($millions) | 7.1899% | 1,944 |
| Cash dividends to net income (ytd only)* | 52.6934% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 1,673 |
| Loan loss allowance to noncurrent loans | 342.2710% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 1,679 |
| Noncurrent loans to loans | 0.3862% | 1,825 |
| Net loans and leases to total assets | 80.9700% | 537 |
| Net loans and leases to deposits | 93.0627% | 1,010 |
| Net loans and leases to core deposits | 118.8707% | 657 |
| Total domestic deposits to total assets | 87.0100% | 1,677 |
| Equity capital to assets | 10.2886% | 1,848 |
| Core capital (leverage) ratio | 10.5741% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $295,302,400 | 2,442 |
| Average earning assets | $276,405,000 | 2,430 |
| Average equity | $33,210,000 | 2,133 |
| Average total loans | $242,215,200 | 2,050 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1399% | 447 |
| Cost of funding earning assets | 2.1515% | 542 |
| Net interest margin | 3.9884% | 1,238 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.8761% | 1,272 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 0.8043% | 3,012 |
| Return on assets (ROA) | 0.8043% | 3,008 |
| Pretax return on assets | 0.8043% | 3,325 |
| Return on Equity (ROE) | 6.9800% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.3973% | 3,418 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.0802% | 1,671 |
| Assets per employee ($millions) | 7.0893% | 1,887 |
| Cash dividends to net income (ytd only)* | 51.3310% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 1,805 |
| Loan loss allowance to noncurrent loans | 1,665.6863% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,188 |
| Noncurrent loans to loans | 0.0788% | 3,196 |
| Net loans and leases to total assets | 80.0800% | 635 |
| Net loans and leases to deposits | 92.2801% | 1,026 |
| Net loans and leases to core deposits | 117.2135% | 632 |
| Total domestic deposits to total assets | 86.7800% | 1,957 |
| Equity capital to assets | 10.4737% | 1,565 |
| Core capital (leverage) ratio | 10.8838% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $286,444,250 | 2,491 |
| Average earning assets | $266,967,500 | 2,481 |
| Average equity | $33,005,500 | 2,128 |
| Average total loans | $234,922,500 | 2,078 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9828% | 449 |
| Cost of funding earning assets | 1.8393% | 690 |
| Net interest margin | 4.1435% | 1,014 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.0118% | 1,031 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 0.7308% | 3,271 |
| Return on assets (ROA) | 0.7308% | 3,277 |
| Pretax return on assets | 0.7308% | 3,538 |
| Return on Equity (ROE) | 6.1300% | 3,661 |
| Retained earnings to average equity (ytd only) | 2.1600% | 3,684 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.8864% | 1,570 |
| Assets per employee ($millions) | 6.9314% | 1,980 |
| Cash dividends to net income (ytd only)* | 64.7468% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 1,916 |
| Loan loss allowance to noncurrent loans | 17,761.1111% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,806 |
| Noncurrent loans to loans | 0.0073% | 3,751 |
| Net loans and leases to total assets | 79.3500% | 696 |
| Net loans and leases to deposits | 91.8900% | 1,031 |
| Net loans and leases to core deposits | 115.1759% | 648 |
| Total domestic deposits to total assets | 86.3500% | 2,131 |
| Equity capital to assets | 10.8475% | 1,447 |
| Core capital (leverage) ratio | 11.8717% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $275,586,667 | 2,552 |
| Average earning assets | $255,099,667 | 2,553 |
| Average equity | $32,869,667 | 2,143 |
| Average total loans | $226,936,667 | 2,114 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8475% | 391 |
| Cost of funding earning assets | 1.4945% | 857 |
| Net interest margin | 4.3530% | 744 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.1339% | 887 |
| Loan and lease loss provision to assets | 0.4800% | 162 |
| Net operating income to assets | 0.8019% | 3,188 |
| Return on assets (ROA) | 0.8019% | 3,139 |
| Pretax return on assets | 0.8019% | 3,460 |
| Return on Equity (ROE) | 6.3900% | 3,644 |
| Retained earnings to average equity (ytd only) | 1.6116% | 3,764 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9230% | 1,650 |
| Assets per employee ($millions) | 6.1742% | 2,607 |
| Cash dividends to net income (ytd only)* | 74.7610% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 1,928 |
| Loan loss allowance to noncurrent loans | 15,836.8421% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,532 |
| Noncurrent loans to loans | 0.0084% | 3,773 |
| Net loans and leases to total assets | 82.5600% | 320 |
| Net loans and leases to deposits | 96.5991% | 620 |
| Net loans and leases to core deposits | 114.9661% | 563 |
| Total domestic deposits to total assets | 85.4600% | 2,735 |
| Equity capital to assets | 12.1018% | 972 |
| Core capital (leverage) ratio | 12.8395% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $260,889,000 | 2,664 |
| Average earning assets | $242,221,500 | 2,661 |
| Average equity | $32,763,000 | 2,172 |
| Average total loans | $217,809,000 | 2,185 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8550% | 387 |
| Cost of funding earning assets | 0.4824% | 1,512 |
| Net interest margin | 4.3726% | 366 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.1560% | 769 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.2881% | 1,476 |
| Return on assets (ROA) | 1.2881% | 1,433 |
| Pretax return on assets | 1.2881% | 2,129 |
| Return on Equity (ROE) | 9.5500% | 2,954 |
| Retained earnings to average equity (ytd only) | 3.2981% | 3,630 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.4388% | 1,908 |
| Assets per employee ($millions) | 5.6844% | 3,043 |
| Cash dividends to net income (ytd only)* | 65.4587% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 1,502 |
| Loan loss allowance to noncurrent loans | 14,585.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,544 |
| Noncurrent loans to loans | 0.0096% | 3,780 |
| Net loans and leases to total assets | 82.1300% | 396 |
| Net loans and leases to deposits | 96.8217% | 596 |
| Net loans and leases to core deposits | 113.4125% | 501 |
| Total domestic deposits to total assets | 84.8200% | 3,037 |
| Equity capital to assets | 13.0540% | 694 |
| Core capital (leverage) ratio | 13.4031% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $237,799,000 | 2,797 |
| Average earning assets | $220,762,000 | 2,796 |
| Average equity | $32,078,600 | 2,240 |
| Average total loans | $184,514,600 | 2,337 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 431 |
| Cost of funding earning assets | 0.3383% | 1,791 |
| Net interest margin | 4.2468% | 379 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 3.1657% | 718 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2815% | 1,422 |
| Return on assets (ROA) | 1.2815% | 1,390 |
| Pretax return on assets | 1.2815% | 2,102 |
| Return on Equity (ROE) | 9.4200% | 2,902 |
| Retained earnings to average equity (ytd only) | 2.4632% | 3,925 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.4541% | 1,829 |
| Assets per employee ($millions) | 5.3334% | 3,391 |
| Cash dividends to net income (ytd only)* | 73.8475% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,603 |
| Loan loss allowance to noncurrent loans | 13,570.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,641 |
| Noncurrent loans to loans | 0.0103% | 3,869 |
| Net loans and leases to total assets | 79.6400% | 560 |
| Net loans and leases to deposits | 94.7450% | 606 |
| Net loans and leases to core deposits | 108.9237% | 501 |
| Total domestic deposits to total assets | 84.0600% | 3,493 |
| Equity capital to assets | 13.3529% | 634 |
| Core capital (leverage) ratio | 14.1148% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $234,720,000 | 2,840 |
| Average earning assets | $217,917,000 | 2,831 |
| Average equity | $31,935,750 | 2,276 |
| Average total loans | $178,560,250 | 2,388 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 501 |
| Cost of funding earning assets | 0.3059% | 1,673 |
| Net interest margin | 4.0304% | 466 |
| Noninterest income to average assets | 0.7126% | 1,288 |
| Noninterest expense to average assets | 3.1250% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3316% | 1,068 |
| Return on assets (ROA) | 1.3316% | 1,044 |
| Pretax return on assets | 1.3316% | 1,638 |
| Return on Equity (ROE) | 9.7245% | 2,438 |
| Retained earnings to average equity (ytd only) | 2.2258% | 3,687 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1214% | 1,943 |
| Assets per employee ($millions) | 5.6198% | 3,112 |
| Cash dividends to net income (ytd only)* | 77.1115% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,730 |
| Loan loss allowance to noncurrent loans | 11,995.2381% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,675 |
| Noncurrent loans to loans | 0.0117% | 3,891 |
| Net loans and leases to total assets | 76.7216% | 659 |
| Net loans and leases to deposits | 91.5425% | 632 |
| Net loans and leases to core deposits | 102.8862% | 555 |
| Total domestic deposits to total assets | 83.8098% | 3,723 |
| Equity capital to assets | 13.9208% | 529 |
| Core capital (leverage) ratio | 14.1142% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,959,667 | 2,869 |
| Average earning assets | $216,402,667 | 2,873 |
| Average equity | $31,898,667 | 2,316 |
| Average total loans | $173,460,000 | 2,437 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 615 |
| Cost of funding earning assets | 0.3063% | 1,595 |
| Net interest margin | 3.8137% | 623 |
| Noninterest income to average assets | 0.4645% | 2,334 |
| Noninterest expense to average assets | 2.9850% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0297% | 1,763 |
| Return on assets (ROA) | 1.0297% | 1,752 |
| Pretax return on assets | 1.0297% | 2,351 |
| Return on Equity (ROE) | 7.5824% | 2,844 |
| Retained earnings to average equity (ytd only) | -3.8604% | 4,365 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3513% | 1,702 |
| Assets per employee ($millions) | 6.0753% | 2,742 |
| Cash dividends to net income (ytd only)* | 150.9121% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,632 |
| Loan loss allowance to noncurrent loans | 11,450.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,741 |
| Noncurrent loans to loans | 0.0129% | 3,924 |
| Net loans and leases to total assets | 70.9874% | 925 |
| Net loans and leases to deposits | 84.4708% | 859 |
| Net loans and leases to core deposits | 96.0083% | 656 |
| Total domestic deposits to total assets | 84.0378% | 3,758 |
| Equity capital to assets | 13.3269% | 634 |
| Core capital (leverage) ratio | 13.6269% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7399% | 1,095 |
| Memoranda: | ||
| Average total assets | $234,234,000 | 2,874 |
| Average earning assets | $218,055,500 | 2,875 |
| Average equity | $31,810,500 | 2,398 |
| Average total loans | $170,543,000 | 2,454 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 261 |
| Cost of funding earning assets | 0.4502% | 1,198 |
| Net interest margin | 4.5519% | 244 |
| Noninterest income to average assets | 1.0776% | 886 |
| Noninterest expense to average assets | 3.1501% | 787 |
| Loan and lease loss provision to assets | 0.0526% | 2,006 |
| Net operating income to assets | 2.0820% | 295 |
| Return on assets (ROA) | 2.0820% | 309 |
| Pretax return on assets | 2.0820% | 517 |
| Return on Equity (ROE) | 14.9795% | 954 |
| Retained earnings to average equity (ytd only) | 10.1708% | 875 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6067% | 3,214 |
| Assets per employee ($millions) | 6.0930% | 2,673 |
| Cash dividends to net income (ytd only)* | 32.1020% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,641 |
| Loan loss allowance to noncurrent loans | 11,450.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,812 |
| Noncurrent loans to loans | 0.0129% | 3,999 |
| Net loans and leases to total assets | 72.4968% | 805 |
| Net loans and leases to deposits | 86.8693% | 725 |
| Net loans and leases to core deposits | 100.8187% | 501 |
| Total domestic deposits to total assets | 83.4551% | 3,707 |
| Equity capital to assets | 13.8404% | 698 |
| Core capital (leverage) ratio | 13.9510% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0317% | 1,036 |
| Memoranda: | ||
| Average total assets | $218,439,800 | 2,919 |
| Average earning assets | $201,894,000 | 2,940 |
| Average equity | $30,361,400 | 2,511 |
| Average total loans | $172,134,000 | 2,446 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 276 |
| Cost of funding earning assets | 0.4912% | 1,095 |
| Net interest margin | 4.5512% | 286 |
| Noninterest income to average assets | 0.7306% | 1,731 |
| Noninterest expense to average assets | 3.0586% | 881 |
| Loan and lease loss provision to assets | 0.0711% | 1,605 |
| Net operating income to assets | 1.7921% | 676 |
| Return on assets (ROA) | 1.7921% | 708 |
| Pretax return on assets | 1.7921% | 1,178 |
| Return on Equity (ROE) | 12.8786% | 1,732 |
| Retained earnings to average equity (ytd only) | 9.6277% | 1,444 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1428% | 2,671 |
| Assets per employee ($millions) | 5.8399% | 2,843 |
| Cash dividends to net income (ytd only)* | 25.2420% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 2,133 |
| Loan loss allowance to noncurrent loans | 3,498.6111% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,945 |
| Noncurrent loans to loans | 0.0393% | 3,930 |
| Net loans and leases to total assets | 81.4891% | 220 |
| Net loans and leases to deposits | 97.9876% | 275 |
| Net loans and leases to core deposits | 114.8702% | 243 |
| Total domestic deposits to total assets | 83.1627% | 3,665 |
| Equity capital to assets | 14.0295% | 734 |
| Core capital (leverage) ratio | 14.1388% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3160% | 1,287 |
| Memoranda: | ||
| Average total assets | $215,166,500 | 2,978 |
| Average earning assets | $198,156,250 | 3,002 |
| Average equity | $29,940,500 | 2,574 |
| Average total loans | $172,574,250 | 2,483 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 361 |
| Cost of funding earning assets | 0.5375% | 1,000 |
| Net interest margin | 4.4270% | 399 |
| Noninterest income to average assets | 0.4218% | 2,998 |
| Noninterest expense to average assets | 3.0688% | 884 |
| Loan and lease loss provision to assets | 0.1043% | 1,209 |
| Net operating income to assets | 1.3489% | 1,714 |
| Return on assets (ROA) | 1.3489% | 1,794 |
| Pretax return on assets | 1.3489% | 2,481 |
| Return on Equity (ROE) | 9.7215% | 2,868 |
| Retained earnings to average equity (ytd only) | 7.4265% | 2,279 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8646% | 1,894 |
| Assets per employee ($millions) | 5.7547% | 2,844 |
| Cash dividends to net income (ytd only)* | 23.6072% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,698 |
| Loan loss allowance to noncurrent loans | 3,493.0556% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,024 |
| Noncurrent loans to loans | 0.0420% | 3,982 |
| Net loans and leases to total assets | 79.3673% | 351 |
| Net loans and leases to deposits | 95.7006% | 392 |
| Net loans and leases to core deposits | 109.5615% | 372 |
| Total domestic deposits to total assets | 82.9329% | 3,721 |
| Equity capital to assets | 14.1144% | 695 |
| Core capital (leverage) ratio | 13.9812% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7182% | 1,187 |
| Memoranda: | ||
| Average total assets | $212,916,000 | 2,996 |
| Average earning assets | $197,201,000 | 3,007 |
| Average equity | $29,542,667 | 2,597 |
| Average total loans | $168,979,667 | 2,518 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 446 |
| Cost of funding earning assets | 0.5905% | 916 |
| Net interest margin | 4.2631% | 550 |
| Noninterest income to average assets | 0.4208% | 2,987 |
| Noninterest expense to average assets | 3.0341% | 938 |
| Loan and lease loss provision to assets | 0.0845% | 1,544 |
| Net operating income to assets | 1.2493% | 1,978 |
| Return on assets (ROA) | 1.2493% | 2,060 |
| Pretax return on assets | 1.2493% | 2,699 |
| Return on Equity (ROE) | 9.0824% | 3,006 |
| Retained earnings to average equity (ytd only) | 9.0824% | 1,929 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4624% | 1,761 |
| Assets per employee ($millions) | 5.6695% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,732 |
| Loan loss allowance to noncurrent loans | 3,401.3889% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,123 |
| Noncurrent loans to loans | 0.0430% | 4,076 |
| Net loans and leases to total assets | 76.5991% | 579 |
| Net loans and leases to deposits | 92.9315% | 550 |
| Net loans and leases to core deposits | 109.3656% | 430 |
| Total domestic deposits to total assets | 82.4253% | 3,810 |
| Equity capital to assets | 13.7361% | 732 |
| Core capital (leverage) ratio | 13.9587% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6561% | 1,133 |
| Memoranda: | ||
| Average total assets | $212,912,000 | 2,984 |
| Average earning assets | $197,132,500 | 2,997 |
| Average equity | $29,287,500 | 2,603 |
| Average total loans | $167,716,000 | 2,530 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3818% | 229 |
| Cost of funding earning assets | 1.0509% | 492 |
| Net interest margin | 4.3309% | 478 |
| Noninterest income to average assets | 0.3988% | 3,094 |
| Noninterest expense to average assets | 3.0605% | 1,305 |
| Loan and lease loss provision to assets | 0.9031% | 127 |
| Net operating income to assets | 0.4513% | 4,138 |
| Return on assets (ROA) | 0.4513% | 4,218 |
| Pretax return on assets | 0.4513% | 4,350 |
| Return on Equity (ROE) | 3.1743% | 4,335 |
| Retained earnings to average equity (ytd only) | -0.6560% | 4,606 |
| Net charge-offs to loans | 1.2675% | 90 |
| Credit loss provision to net charge-offs | 88.0625% | 2,942 |
| Earnings coverage of net charge-offs (x) | 1.3207% | 3,266 |
| Efficiency ratio | 69.3222% | 2,044 |
| Assets per employee ($millions) | 5.5364% | 2,805 |
| Cash dividends to net income (ytd only)* | 120.6674% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,849 |
| Loan loss allowance to noncurrent loans | 10,452.1739% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,374 |
| Noncurrent loans to loans | 0.0137% | 4,317 |
| Net loans and leases to total assets | 78.6913% | 528 |
| Net loans and leases to deposits | 95.9077% | 559 |
| Net loans and leases to core deposits | 115.1384% | 383 |
| Total domestic deposits to total assets | 82.0490% | 3,651 |
| Equity capital to assets | 13.7758% | 849 |
| Core capital (leverage) ratio | 13.5744% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8733% | 1,291 |
| Memoranda: | ||
| Average total assets | $205,850,600 | 2,895 |
| Average earning assets | $190,883,600 | 2,902 |
| Average equity | $29,266,400 | 2,521 |
| Average total loans | $166,552,600 | 2,513 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4508% | 255 |
| Cost of funding earning assets | 1.1540% | 432 |
| Net interest margin | 4.2968% | 588 |
| Noninterest income to average assets | 0.3888% | 3,138 |
| Noninterest expense to average assets | 3.0669% | 1,298 |
| Loan and lease loss provision to assets | 0.4548% | 705 |
| Net operating income to assets | 0.8564% | 2,878 |
| Return on assets (ROA) | 0.8564% | 3,007 |
| Pretax return on assets | 0.8564% | 3,500 |
| Return on Equity (ROE) | 5.9763% | 3,563 |
| Retained earnings to average equity (ytd only) | 2.7768% | 3,618 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0536% | 1,881 |
| Assets per employee ($millions) | 5.5095% | 2,700 |
| Cash dividends to net income (ytd only)* | 53.5361% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 536 |
| Loan loss allowance to noncurrent loans | 158.8820% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 1,100 |
| Noncurrent loans to loans | 1.2300% | 1,239 |
| Net loans and leases to total assets | 80.3750% | 577 |
| Net loans and leases to deposits | 99.4157% | 559 |
| Net loans and leases to core deposits | 120.0287% | 414 |
| Total domestic deposits to total assets | 80.8473% | 3,694 |
| Equity capital to assets | 14.2219% | 802 |
| Core capital (leverage) ratio | 13.9416% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9563% | 1,257 |
| Memoranda: | ||
| Average total assets | $204,717,250 | 2,883 |
| Average earning assets | $190,060,500 | 2,895 |
| Average equity | $29,337,500 | 2,509 |
| Average total loans | $166,201,250 | 2,524 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5734% | 292 |
| Cost of funding earning assets | 1.2890% | 377 |
| Net interest margin | 4.2844% | 779 |
| Noninterest income to average assets | 0.4036% | 3,052 |
| Noninterest expense to average assets | 3.1186% | 1,314 |
| Loan and lease loss provision to assets | 0.3002% | 1,433 |
| Net operating income to assets | 0.9667% | 2,435 |
| Return on assets (ROA) | 0.9667% | 2,567 |
| Pretax return on assets | 0.9667% | 3,122 |
| Return on Equity (ROE) | 6.7279% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.6928% | 3,068 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1111% | 1,807 |
| Assets per employee ($millions) | 5.4405% | 2,698 |
| Cash dividends to net income (ytd only)* | 45.1120% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 791 |
| Loan loss allowance to noncurrent loans | 161.8371% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 1,440 |
| Noncurrent loans to loans | 1.0587% | 1,471 |
| Net loans and leases to total assets | 80.0235% | 594 |
| Net loans and leases to deposits | 98.6486% | 622 |
| Net loans and leases to core deposits | 119.1371% | 448 |
| Total domestic deposits to total assets | 81.1197% | 3,573 |
| Equity capital to assets | 13.9594% | 866 |
| Core capital (leverage) ratio | 13.9308% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8388% | 1,290 |
| Memoranda: | ||
| Average total assets | $203,169,667 | 2,879 |
| Average earning assets | $188,826,000 | 2,881 |
| Average equity | $29,191,667 | 2,507 |
| Average total loans | $164,392,667 | 2,528 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 406 |
| Cost of funding earning assets | 1.3975% | 402 |
| Net interest margin | 4.0649% | 1,211 |
| Noninterest income to average assets | 0.4953% | 2,569 |
| Noninterest expense to average assets | 3.1973% | 1,430 |
| Loan and lease loss provision to assets | 0.2195% | 1,410 |
| Net operating income to assets | 0.8618% | 2,651 |
| Return on assets (ROA) | 0.8618% | 2,756 |
| Pretax return on assets | 0.8618% | 3,251 |
| Return on Equity (ROE) | 5.9079% | 3,347 |
| Retained earnings to average equity (ytd only) | 2.6641% | 3,205 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7294% | 1,723 |
| Assets per employee ($millions) | 5.2166% | 2,405 |
| Cash dividends to net income (ytd only)* | 54.9065% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 909 |
| Loan loss allowance to noncurrent loans | 148.0450% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 1,456 |
| Noncurrent loans to loans | 1.1346% | 1,466 |
| Net loans and leases to total assets | 79.5240% | 755 |
| Net loans and leases to deposits | 98.1348% | 697 |
| Net loans and leases to core deposits | 119.4728% | 483 |
| Total domestic deposits to total assets | 81.0354% | 3,656 |
| Equity capital to assets | 14.3329% | 948 |
| Core capital (leverage) ratio | 14.6719% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3411% | 1,266 |
| Memoranda: | ||
| Average total assets | $198,665,000 | 2,887 |
| Average earning assets | $184,901,000 | 2,873 |
| Average equity | $28,978,000 | 2,516 |
| Average total loans | $160,212,500 | 2,538 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7116% | 389 |
| Cost of funding earning assets | 1.4549% | 455 |
| Net interest margin | 4.2567% | 1,188 |
| Noninterest income to average assets | 0.9775% | 1,020 |
| Noninterest expense to average assets | 3.2498% | 1,408 |
| Loan and lease loss provision to assets | 0.2794% | 625 |
| Net operating income to assets | 1.4221% | 1,268 |
| Return on assets (ROA) | 1.4195% | 1,350 |
| Pretax return on assets | 1.4195% | 2,086 |
| Return on Equity (ROE) | 9.7149% | 2,434 |
| Retained earnings to average equity (ytd only) | 4.2407% | 2,835 |
| Net charge-offs to loans | 0.0027% | 3,592 |
| Credit loss provision to net charge-offs | 13,450.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 819.0000% | 127 |
| Efficiency ratio | 65.6352% | 2,825 |
| Assets per employee ($millions) | 5.1022% | 2,453 |
| Cash dividends to net income (ytd only)* | 56.3483% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 790 |
| Loan loss allowance to noncurrent loans | 139.0052% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 1,270 |
| Noncurrent loans to loans | 1.2254% | 1,223 |
| Net loans and leases to total assets | 79.0254% | 929 |
| Net loans and leases to deposits | 96.0084% | 939 |
| Net loans and leases to core deposits | 115.3353% | 625 |
| Total domestic deposits to total assets | 82.3109% | 3,417 |
| Equity capital to assets | 14.8523% | 832 |
| Core capital (leverage) ratio | 14.7043% | 741 |
| Tier 1 risk-based capital ratio | 16.5393% | 2,203 |
| Total risk-based capital ratio | 17.7924% | 2,143 |
| Memoranda: | ||
| Average total assets | $192,535,200 | 2,899 |
| Average earning assets | $179,738,800 | 2,890 |
| Average equity | $28,132,000 | 2,488 |
| Average total loans | $147,545,000 | 2,649 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7818% | 361 |
| Cost of funding earning assets | 1.4406% | 497 |
| Net interest margin | 4.3412% | 1,074 |
| Noninterest income to average assets | 0.6840% | 1,854 |
| Noninterest expense to average assets | 3.1779% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5595% | 1,032 |
| Return on assets (ROA) | 1.5560% | 1,096 |
| Pretax return on assets | 1.5560% | 1,793 |
| Return on Equity (ROE) | 10.6937% | 2,142 |
| Retained earnings to average equity (ytd only) | 4.9726% | 2,902 |
| Net charge-offs to loans | 0.0037% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 562.3377% | 176 |
| Efficiency ratio | 67.0816% | 2,575 |
| Assets per employee ($millions) | 5.2732% | 2,256 |
| Cash dividends to net income (ytd only)* | 53.4998% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.9576% | 1,329 |
| Net loans and leases to deposits | 93.2812% | 1,293 |
| Net loans and leases to core deposits | 111.8484% | 851 |
| Total domestic deposits to total assets | 82.5006% | 3,316 |
| Equity capital to assets | 14.6820% | 932 |
| Core capital (leverage) ratio | 14.5682% | 840 |
| Tier 1 risk-based capital ratio | 16.5913% | 2,232 |
| Total risk-based capital ratio | 17.8177% | 2,170 |
| Memoranda: | ||
| Average total assets | $192,198,500 | 2,928 |
| Average earning assets | $179,454,500 | 2,911 |
| Average equity | $27,966,000 | 2,515 |
| Average total loans | $145,463,500 | 2,690 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 393 |
| Cost of funding earning assets | 1.4031% | 532 |
| Net interest margin | 4.3100% | 1,121 |
| Noninterest income to average assets | 0.7792% | 1,411 |
| Noninterest expense to average assets | 3.2035% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6075% | 890 |
| Return on assets (ROA) | 1.6023% | 947 |
| Pretax return on assets | 1.6023% | 1,541 |
| Return on Equity (ROE) | 11.0457% | 1,955 |
| Retained earnings to average equity (ytd only) | 5.0254% | 2,760 |
| Net charge-offs to loans | 0.0028% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 768.5000% | 102 |
| Efficiency ratio | 66.5870% | 2,735 |
| Assets per employee ($millions) | 5.1194% | 2,334 |
| Cash dividends to net income (ytd only)* | 54.5039% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.5405% | 1,957 |
| Net loans and leases to deposits | 90.1566% | 1,721 |
| Net loans and leases to core deposits | 107.6899% | 1,123 |
| Total domestic deposits to total assets | 81.5698% | 3,646 |
| Equity capital to assets | 14.5225% | 942 |
| Core capital (leverage) ratio | 14.7476% | 763 |
| Tier 1 risk-based capital ratio | 17.3708% | 1,975 |
| Total risk-based capital ratio | 18.6213% | 1,934 |
| Memoranda: | ||
| Average total assets | $191,228,000 | 2,947 |
| Average earning assets | $178,886,330 | 2,931 |
| Average equity | $27,739,330 | 2,521 |
| Average total loans | $143,194,670 | 2,727 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6176% | 416 |
| Cost of funding earning assets | 1.3565% | 539 |
| Net interest margin | 4.2611% | 1,167 |
| Noninterest income to average assets | 1.0634% | 709 |
| Noninterest expense to average assets | 3.3507% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7028% | 725 |
| Return on assets (ROA) | 1.6922% | 766 |
| Pretax return on assets | 1.6922% | 1,231 |
| Return on Equity (ROE) | 11.6727% | 1,664 |
| Retained earnings to average equity (ytd only) | 5.2105% | 2,813 |
| Net charge-offs to loans | 0.0028% | 2,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 807.0000% | 82 |
| Efficiency ratio | 66.3048% | 2,901 |
| Assets per employee ($millions) | 4.9886% | 2,535 |
| Cash dividends to net income (ytd only)* | 55.3616% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 1,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.6422% | 1,700 |
| Net loans and leases to deposits | 91.7983% | 1,425 |
| Net loans and leases to core deposits | 110.2199% | 919 |
| Total domestic deposits to total assets | 81.3111% | 3,901 |
| Equity capital to assets | 14.6465% | 837 |
| Core capital (leverage) ratio | 14.8243% | 737 |
| Tier 1 risk-based capital ratio | 17.5120% | 1,937 |
| Total risk-based capital ratio | 18.7630% | 1,888 |
| Memoranda: | ||
| Average total assets | $189,572,500 | 3,000 |
| Average earning assets | $177,512,000 | 2,976 |
| Average equity | $27,483,000 | 2,546 |
| Average total loans | $142,199,500 | 2,776 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 438 |
| Cost of funding earning assets | 1.0914% | 510 |
| Net interest margin | 4.3634% | 1,014 |
| Noninterest income to average assets | 1.0267% | 891 |
| Noninterest expense to average assets | 3.3232% | 1,268 |
| Loan and lease loss provision to assets | 0.0693% | 2,751 |
| Net operating income to assets | 1.7072% | 681 |
| Return on assets (ROA) | 1.7072% | 669 |
| Pretax return on assets | 1.7072% | 1,152 |
| Return on Equity (ROE) | 11.6210% | 1,854 |
| Retained earnings to average equity (ytd only) | 6.7564% | 1,781 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1645% | 3,004 |
| Assets per employee ($millions) | 4.9889% | 2,521 |
| Cash dividends to net income (ytd only)* | 41.8605% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.1409% | 2,069 |
| Net loans and leases to deposits | 89.5904% | 1,849 |
| Net loans and leases to core deposits | 108.7428% | 1,070 |
| Total domestic deposits to total assets | 81.6392% | 3,740 |
| Equity capital to assets | 14.3482% | 877 |
| Core capital (leverage) ratio | 14.6700% | 763 |
| Tier 1 risk-based capital ratio | 17.8371% | 1,802 |
| Total risk-based capital ratio | 19.0883% | 1,759 |
| Memoranda: | ||
| Average total assets | $178,831,400 | 3,068 |
| Average earning assets | $166,935,400 | 3,054 |
| Average equity | $26,271,400 | 2,555 |
| Average total loans | $137,043,800 | 2,805 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4025% | 441 |
| Cost of funding earning assets | 1.0126% | 563 |
| Net interest margin | 4.3899% | 918 |
| Noninterest income to average assets | 0.9416% | 1,078 |
| Noninterest expense to average assets | 3.3214% | 1,256 |
| Loan and lease loss provision to assets | 0.0939% | 2,100 |
| Net operating income to assets | 1.6183% | 936 |
| Return on assets (ROA) | 1.6183% | 933 |
| Pretax return on assets | 1.6183% | 1,521 |
| Return on Equity (ROE) | 10.9474% | 2,202 |
| Retained earnings to average equity (ytd only) | 5.8731% | 2,720 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9850% | 2,875 |
| Assets per employee ($millions) | 4.9004% | 2,600 |
| Cash dividends to net income (ytd only)* | 46.3516% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.6072% | 2,056 |
| Net loans and leases to deposits | 90.0489% | 1,890 |
| Net loans and leases to core deposits | 108.8403% | 1,108 |
| Total domestic deposits to total assets | 81.7414% | 3,681 |
| Equity capital to assets | 14.1751% | 906 |
| Core capital (leverage) ratio | 14.6282% | 793 |
| Tier 1 risk-based capital ratio | 17.6279% | 1,891 |
| Total risk-based capital ratio | 18.8793% | 1,847 |
| Memoranda: | ||
| Average total assets | $176,144,750 | 3,116 |
| Average earning assets | $164,192,750 | 3,109 |
| Average equity | $26,039,000 | 2,579 |
| Average total loans | $136,109,500 | 2,832 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 411 |
| Cost of funding earning assets | 0.9087% | 712 |
| Net interest margin | 4.4616% | 746 |
| Noninterest income to average assets | 1.2258% | 641 |
| Noninterest expense to average assets | 3.4412% | 1,082 |
| Loan and lease loss provision to assets | 0.1435% | 1,343 |
| Net operating income to assets | 1.7953% | 585 |
| Return on assets (ROA) | 1.7953% | 590 |
| Pretax return on assets | 1.7953% | 975 |
| Return on Equity (ROE) | 11.9676% | 1,737 |
| Retained earnings to average equity (ytd only) | 6.3272% | 2,399 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9630% | 3,322 |
| Assets per employee ($millions) | 4.7280% | 2,782 |
| Cash dividends to net income (ytd only)* | 47.1309% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,687 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.7556% | 1,354 |
| Net loans and leases to deposits | 96.3853% | 1,104 |
| Net loans and leases to core deposits | 116.3219% | 701 |
| Total domestic deposits to total assets | 80.6716% | 4,085 |
| Equity capital to assets | 14.5506% | 794 |
| Core capital (leverage) ratio | 15.0701% | 654 |
| Tier 1 risk-based capital ratio | 17.1939% | 2,033 |
| Total risk-based capital ratio | 18.4448% | 1,984 |
| Memoranda: | ||
| Average total assets | $172,788,330 | 3,184 |
| Average earning assets | $160,882,670 | 3,176 |
| Average equity | $25,920,000 | 2,597 |
| Average total loans | $135,083,000 | 2,857 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2798% | 416 |
| Cost of funding earning assets | 0.8058% | 925 |
| Net interest margin | 4.4740% | 653 |
| Noninterest income to average assets | 2.0407% | 266 |
| Noninterest expense to average assets | 3.6776% | 796 |
| Loan and lease loss provision to assets | 0.0685% | 2,396 |
| Net operating income to assets | 2.4517% | 158 |
| Return on assets (ROA) | 2.4517% | 160 |
| Pretax return on assets | 2.4517% | 241 |
| Return on Equity (ROE) | 16.0874% | 606 |
| Retained earnings to average equity (ytd only) | 12.8482% | 544 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3369% | 4,162 |
| Assets per employee ($millions) | 4.8852% | 2,628 |
| Cash dividends to net income (ytd only)* | 20.1349% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 1,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,689 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 76.3835% | 1,482 |
| Net loans and leases to deposits | 93.7364% | 1,251 |
| Net loans and leases to core deposits | 111.1601% | 932 |
| Total domestic deposits to total assets | 81.4875% | 4,098 |
| Equity capital to assets | 15.2999% | 605 |
| Core capital (leverage) ratio | 15.7966% | 515 |
| Tier 1 risk-based capital ratio | 18.2656% | 1,755 |
| Total risk-based capital ratio | 19.5171% | 1,717 |
| Memoranda: | ||
| Average total assets | $169,351,000 | 3,254 |
| Average earning assets | $157,355,000 | 3,244 |
| Average equity | $25,809,000 | 2,631 |
| Average total loans | $131,714,500 | 2,910 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 508 |
| Cost of funding earning assets | 0.7400% | 852 |
| Net interest margin | 4.3843% | 800 |
| Noninterest income to average assets | 1.4200% | 527 |
| Noninterest expense to average assets | 3.3953% | 1,205 |
| Loan and lease loss provision to assets | 0.4330% | 326 |
| Net operating income to assets | 1.6469% | 589 |
| Return on assets (ROA) | 1.6469% | 606 |
| Pretax return on assets | 1.6469% | 1,169 |
| Return on Equity (ROE) | 10.4934% | 1,679 |
| Retained earnings to average equity (ytd only) | 4.5218% | 2,440 |
| Net charge-offs to loans | 0.0075% | 3,811 |
| Credit loss provision to net charge-offs | 7,633.3333% | 44 |
| Earnings coverage of net charge-offs (x) | 366.6667% | 238 |
| Efficiency ratio | 62.0122% | 3,932 |
| Assets per employee ($millions) | 4.9329% | 2,562 |
| Cash dividends to net income (ytd only)* | 56.9078% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,694 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.7959% | 1,463 |
| Net loans and leases to deposits | 94.2003% | 1,249 |
| Net loans and leases to core deposits | 112.5852% | 866 |
| Total domestic deposits to total assets | 81.5240% | 3,992 |
| Equity capital to assets | 15.1789% | 647 |
| Core capital (leverage) ratio | 15.3352% | 566 |
| Tier 1 risk-based capital ratio | 18.0756% | 1,780 |
| Total risk-based capital ratio | 19.3271% | 1,731 |
| Memoranda: | ||
| Average total assets | $158,660,000 | 3,365 |
| Average earning assets | $146,749,600 | 3,363 |
| Average equity | $24,901,400 | 2,681 |
| Average total loans | $120,560,200 | 3,055 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 520 |
| Cost of funding earning assets | 0.7139% | 905 |
| Net interest margin | 4.3665% | 788 |
| Noninterest income to average assets | 1.3333% | 586 |
| Noninterest expense to average assets | 3.3308% | 1,277 |
| Loan and lease loss provision to assets | 0.1594% | 1,291 |
| Net operating income to assets | 1.8790% | 406 |
| Return on assets (ROA) | 1.8790% | 411 |
| Pretax return on assets | 1.8790% | 724 |
| Return on Equity (ROE) | 11.8672% | 1,375 |
| Retained earnings to average equity (ytd only) | 6.8113% | 1,792 |
| Net charge-offs to loans | 0.0090% | 3,404 |
| Credit loss provision to net charge-offs | 2,337.5000% | 182 |
| Earnings coverage of net charge-offs (x) | 298.7741% | 308 |
| Efficiency ratio | 62.0356% | 3,874 |
| Assets per employee ($millions) | 4.8389% | 2,650 |
| Cash dividends to net income (ytd only)* | 42.6044% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 3,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,797 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 76.1775% | 1,563 |
| Net loans and leases to deposits | 94.0449% | 1,301 |
| Net loans and leases to core deposits | 113.3872% | 872 |
| Total domestic deposits to total assets | 81.0012% | 4,045 |
| Equity capital to assets | 15.6290% | 612 |
| Core capital (leverage) ratio | 15.7013% | 536 |
| Tier 1 risk-based capital ratio | 18.5303% | 1,717 |
| Total risk-based capital ratio | 19.6038% | 1,724 |
| Memoranda: | ||
| Average total assets | $156,395,000 | 3,425 |
| Average earning assets | $144,550,250 | 3,419 |
| Average equity | $24,762,250 | 2,708 |
| Average total loans | $118,000,250 | 3,110 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 599 |
| Cost of funding earning assets | 0.6730% | 1,032 |
| Net interest margin | 4.2862% | 894 |
| Noninterest income to average assets | 0.7808% | 1,642 |
| Noninterest expense to average assets | 3.1506% | 1,703 |
| Loan and lease loss provision to assets | 0.1692% | 1,159 |
| Net operating income to assets | 1.4146% | 1,028 |
| Return on assets (ROA) | 1.4146% | 1,051 |
| Pretax return on assets | 1.4146% | 1,953 |
| Return on Equity (ROE) | 8.8933% | 2,559 |
| Retained earnings to average equity (ytd only) | 3.3462% | 3,728 |
| Net charge-offs to loans | 0.0139% | 2,976 |
| Credit loss provision to net charge-offs | 1,625.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 152.1250% | 499 |
| Efficiency ratio | 66.5476% | 3,254 |
| Assets per employee ($millions) | 5.3991% | 1,966 |
| Cash dividends to net income (ytd only)* | 62.3735% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.8483% | 1,722 |
| Net loans and leases to deposits | 92.8690% | 1,375 |
| Net loans and leases to core deposits | 111.0985% | 950 |
| Total domestic deposits to total assets | 80.5955% | 4,286 |
| Equity capital to assets | 15.3353% | 646 |
| Core capital (leverage) ratio | 16.2791% | 440 |
| Tier 1 risk-based capital ratio | 18.8438% | 1,625 |
| Total risk-based capital ratio | 19.9300% | 1,638 |
| Memoranda: | ||
| Average total assets | $153,686,330 | 3,469 |
| Average earning assets | $141,755,670 | 3,467 |
| Average equity | $24,445,330 | 2,740 |
| Average total loans | $115,058,000 | 3,157 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 669 |
| Cost of funding earning assets | 0.6463% | 1,092 |
| Net interest margin | 4.2201% | 948 |
| Noninterest income to average assets | 0.8479% | 1,405 |
| Noninterest expense to average assets | 3.1777% | 1,672 |
| Loan and lease loss provision to assets | 0.0883% | 2,067 |
| Net operating income to assets | 1.4765% | 854 |
| Return on assets (ROA) | 1.4765% | 878 |
| Pretax return on assets | 1.4765% | 1,618 |
| Return on Equity (ROE) | 9.1057% | 2,359 |
| Retained earnings to average equity (ytd only) | 2.2269% | 4,250 |
| Net charge-offs to loans | 0.0252% | 2,256 |
| Credit loss provision to net charge-offs | 471.4286% | 587 |
| Earnings coverage of net charge-offs (x) | 83.5714% | 632 |
| Efficiency ratio | 67.0051% | 3,342 |
| Assets per employee ($millions) | 5.1442% | 2,250 |
| Cash dividends to net income (ytd only)* | 75.5435% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,881 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.2504% | 1,695 |
| Net loans and leases to deposits | 93.5921% | 1,155 |
| Net loans and leases to core deposits | 108.8307% | 931 |
| Total domestic deposits to total assets | 79.3341% | 4,763 |
| Equity capital to assets | 16.3584% | 445 |
| Core capital (leverage) ratio | 16.6282% | 396 |
| Tier 1 risk-based capital ratio | 19.9123% | 1,413 |
| Total risk-based capital ratio | 20.9948% | 1,411 |
| Memoranda: | ||
| Average total assets | $149,543,000 | 3,559 |
| Average earning assets | $138,007,500 | 3,551 |
| Average equity | $24,248,500 | 2,769 |
| Average total loans | $111,249,000 | 3,229 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 600 |
| Cost of funding earning assets | 0.6456% | 1,080 |
| Net interest margin | 4.3459% | 857 |
| Noninterest income to average assets | 1.6020% | 476 |
| Noninterest expense to average assets | 3.4192% | 1,313 |
| Loan and lease loss provision to assets | 0.2152% | 1,039 |
| Net operating income to assets | 2.0466% | 287 |
| Return on assets (ROA) | 2.0316% | 306 |
| Pretax return on assets | 1.9443% | 570 |
| Return on Equity (ROE) | 11.1751% | 1,514 |
| Retained earnings to average equity (ytd only) | -3.4920% | 5,610 |
| Net charge-offs to loans | -0.0059% | 4,836 |
| Credit loss provision to net charge-offs | -5,050.0000% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1273% | 4,392 |
| Assets per employee ($millions) | 4.9968% | 2,398 |
| Cash dividends to net income (ytd only)* | 131.2478% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 4,785 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 72.7557% | 2,052 |
| Net loans and leases to deposits | 91.4321% | 1,522 |
| Net loans and leases to core deposits | 104.4915% | 1,243 |
| Total domestic deposits to total assets | 79.5735% | 4,667 |
| Equity capital to assets | 16.0724% | 493 |
| Core capital (leverage) ratio | 16.3653% | 414 |
| Tier 1 risk-based capital ratio | 19.9445% | 1,387 |
| Total risk-based capital ratio | 21.0148% | 1,391 |
| Memoranda: | ||
| Average total assets | $140,821,800 | 3,655 |
| Average earning assets | $129,341,000 | 3,658 |
| Average equity | $25,601,600 | 2,671 |
| Average total loans | $101,737,400 | 3,355 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 640 |
| Cost of funding earning assets | 0.6355% | 1,112 |
| Net interest margin | 4.3279% | 879 |
| Noninterest income to average assets | 1.4358% | 578 |
| Noninterest expense to average assets | 3.3450% | 1,468 |
| Loan and lease loss provision to assets | 0.2271% | 890 |
| Net operating income to assets | 1.9535% | 365 |
| Return on assets (ROA) | 1.9333% | 401 |
| Pretax return on assets | 1.8149% | 873 |
| Return on Equity (ROE) | 10.3107% | 1,926 |
| Retained earnings to average equity (ytd only) | 7.0979% | 1,575 |
| Net charge-offs to loans | -0.0080% | 4,717 |
| Credit loss provision to net charge-offs | -3,933.3333% | 5,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8615% | 4,258 |
| Assets per employee ($millions) | 5.1009% | 2,256 |
| Cash dividends to net income (ytd only)* | 31.1599% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 3,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 4,880 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.5520% | 2,254 |
| Net loans and leases to deposits | 92.4547% | 1,436 |
| Net loans and leases to core deposits | 105.9499% | 1,185 |
| Total domestic deposits to total assets | 77.3914% | 5,014 |
| Equity capital to assets | 18.2226% | 326 |
| Core capital (leverage) ratio | 18.7320% | 245 |
| Tier 1 risk-based capital ratio | 22.2801% | 1,099 |
| Total risk-based capital ratio | 23.3190% | 1,110 |
| Memoranda: | ||
| Average total assets | $138,551,500 | 3,716 |
| Average earning assets | $127,141,250 | 3,717 |
| Average equity | $25,978,750 | 2,660 |
| Average total loans | $99,576,000 | 3,403 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 688 |
| Cost of funding earning assets | 0.6190% | 1,200 |
| Net interest margin | 4.3027% | 920 |
| Noninterest income to average assets | 0.8462% | 1,564 |
| Noninterest expense to average assets | 3.2889% | 1,610 |
| Loan and lease loss provision to assets | 0.2112% | 1,012 |
| Net operating income to assets | 1.4694% | 942 |
| Return on assets (ROA) | 1.4384% | 1,040 |
| Pretax return on assets | 1.2568% | 2,580 |
| Return on Equity (ROE) | 7.5937% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.1399% | 3,268 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6922% | 3,215 |
| Assets per employee ($millions) | 4.9649% | 2,341 |
| Cash dividends to net income (ytd only)* | 45.4825% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 4,878 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.2535% | 1,794 |
| Net loans and leases to deposits | 98.8300% | 804 |
| Net loans and leases to core deposits | 117.9418% | 573 |
| Total domestic deposits to total assets | 75.1325% | 5,396 |
| Equity capital to assets | 18.7898% | 275 |
| Core capital (leverage) ratio | 19.2280% | 218 |
| Tier 1 risk-based capital ratio | 23.2608% | 984 |
| Total risk-based capital ratio | 24.2927% | 990 |
| Memoranda: | ||
| Average total assets | $135,426,670 | 3,789 |
| Average earning assets | $124,063,000 | 3,799 |
| Average equity | $25,653,000 | 2,693 |
| Average total loans | $97,069,000 | 3,460 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 517 |
| Cost of funding earning assets | 0.6215% | 1,207 |
| Net interest margin | 4.4457% | 672 |
| Noninterest income to average assets | 0.7962% | 1,629 |
| Noninterest expense to average assets | 3.1998% | 1,833 |
| Loan and lease loss provision to assets | 0.1946% | 1,021 |
| Net operating income to assets | 1.8379% | 445 |
| Return on assets (ROA) | 1.7960% | 506 |
| Pretax return on assets | 1.4278% | 1,809 |
| Return on Equity (ROE) | 9.4418% | 2,217 |
| Retained earnings to average equity (ytd only) | 6.9869% | 1,892 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7846% | 3,842 |
| Assets per employee ($millions) | 5.0045% | 2,338 |
| Cash dividends to net income (ytd only)* | 26.0000% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 5,148 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.9908% | 2,345 |
| Net loans and leases to deposits | 93.6737% | 1,178 |
| Net loans and leases to core deposits | 110.2699% | 842 |
| Total domestic deposits to total assets | 74.7177% | 5,544 |
| Equity capital to assets | 19.0776% | 253 |
| Core capital (leverage) ratio | 19.4561% | 215 |
| Tier 1 risk-based capital ratio | 24.0935% | 907 |
| Total risk-based capital ratio | 25.0936% | 921 |
| Memoranda: | ||
| Average total assets | $133,631,500 | 3,843 |
| Average earning assets | $122,275,000 | 3,865 |
| Average equity | $25,419,000 | 2,711 |
| Average total loans | $93,414,000 | 3,542 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 667 |
| Cost of funding earning assets | 0.6159% | 1,272 |
| Net interest margin | 4.3553% | 867 |
| Noninterest income to average assets | 1.1197% | 940 |
| Noninterest expense to average assets | 3.3510% | 1,606 |
| Loan and lease loss provision to assets | 0.3131% | 531 |
| Net operating income to assets | 1.1278% | 1,813 |
| Return on assets (ROA) | 1.1117% | 1,935 |
| Pretax return on assets | 1.3692% | 2,031 |
| Return on Equity (ROE) | 5.5095% | 4,280 |
| Retained earnings to average equity (ytd only) | -7.6873% | 5,993 |
| Net charge-offs to loans | 0.2084% | 1,414 |
| Credit loss provision to net charge-offs | 226.4368% | 1,251 |
| Earnings coverage of net charge-offs (x) | 12.3103% | 2,479 |
| Efficiency ratio | 66.3155% | 3,851 |
| Assets per employee ($millions) | 5.0823% | 2,270 |
| Cash dividends to net income (ytd only)* | 239.5282% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 4,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 4,745 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 68.2362% | 2,671 |
| Net loans and leases to deposits | 91.4956% | 1,456 |
| Net loans and leases to core deposits | 107.2267% | 1,027 |
| Total domestic deposits to total assets | 74.5787% | 5,592 |
| Equity capital to assets | 18.9646% | 251 |
| Core capital (leverage) ratio | 19.7516% | 204 |
| Tier 1 risk-based capital ratio | 24.6741% | 843 |
| Total risk-based capital ratio | 25.6533% | 858 |
| Memoranda: | ||
| Average total assets | $125,842,800 | 3,961 |
| Average earning assets | $113,654,600 | 4,007 |
| Average equity | $25,392,400 | 2,661 |
| Average total loans | $83,495,400 | 3,733 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0032% | 619 |
| Cost of funding earning assets | 0.6184% | 1,294 |
| Net interest margin | 4.3848% | 820 |
| Noninterest income to average assets | 1.1115% | 978 |
| Noninterest expense to average assets | 3.4087% | 1,462 |
| Loan and lease loss provision to assets | 0.1620% | 1,319 |
| Net operating income to assets | 1.1404% | 1,865 |
| Return on assets (ROA) | 1.1362% | 1,949 |
| Pretax return on assets | 1.4838% | 1,726 |
| Return on Equity (ROE) | 5.5424% | 4,381 |
| Retained earnings to average equity (ytd only) | -10.4935% | 6,132 |
| Net charge-offs to loans | 0.0033% | 4,070 |
| Credit loss provision to net charge-offs | 7,550.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 768.5206% | 99 |
| Efficiency ratio | 67.3664% | 3,656 |
| Assets per employee ($millions) | 4.9667% | 2,343 |
| Cash dividends to net income (ytd only)* | 289.3304% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 4,204 |
| Loan loss allowance to noncurrent loans | 543.3526% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 4,294 |
| Noncurrent loans to loans | 0.2031% | 4,836 |
| Net loans and leases to total assets | 67.8307% | 2,700 |
| Net loans and leases to deposits | 94.8511% | 1,104 |
| Net loans and leases to core deposits | 111.9538% | 766 |
| Total domestic deposits to total assets | 71.5128% | 5,900 |
| Equity capital to assets | 20.2315% | 222 |
| Core capital (leverage) ratio | 20.0822% | 205 |
| Tier 1 risk-based capital ratio | 26.0974% | 754 |
| Total risk-based capital ratio | 27.0627% | 771 |
| Memoranda: | ||
| Average total assets | $124,268,250 | 4,036 |
| Average earning assets | $111,899,500 | 4,085 |
| Average equity | $25,475,500 | 2,680 |
| Average total loans | $81,574,500 | 3,817 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 588 |
| Cost of funding earning assets | 0.6178% | 1,298 |
| Net interest margin | 4.3876% | 779 |
| Noninterest income to average assets | 0.6452% | 2,504 |
| Noninterest expense to average assets | 3.2115% | 1,953 |
| Loan and lease loss provision to assets | 0.1947% | 1,020 |
| Net operating income to assets | 1.1810% | 1,662 |
| Return on assets (ROA) | 1.1810% | 1,729 |
| Pretax return on assets | 1.1810% | 2,850 |
| Return on Equity (ROE) | 5.7358% | 4,262 |
| Retained earnings to average equity (ytd only) | -18.2076% | 6,256 |
| Net charge-offs to loans | 0.0025% | 3,813 |
| Credit loss provision to net charge-offs | 12,100.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 855.0000% | 70 |
| Efficiency ratio | 70.0105% | 3,328 |
| Assets per employee ($millions) | 4.8178% | 2,516 |
| Cash dividends to net income (ytd only)* | 417.4387% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 4,459 |
| Loan loss allowance to noncurrent loans | 235.4005% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 4,114 |
| Noncurrent loans to loans | 0.4573% | 4,106 |
| Net loans and leases to total assets | 66.8327% | 2,810 |
| Net loans and leases to deposits | 93.5751% | 1,194 |
| Net loans and leases to core deposits | 113.8544% | 671 |
| Total domestic deposits to total assets | 71.4215% | 5,964 |
| Equity capital to assets | 19.7322% | 236 |
| Core capital (leverage) ratio | 19.7174% | 216 |
| Tier 1 risk-based capital ratio | 26.6298% | 733 |
| Total risk-based capital ratio | 27.6071% | 735 |
| Memoranda: | ||
| Average total assets | $124,301,670 | 4,068 |
| Average earning assets | $111,678,000 | 4,122 |
| Average equity | $25,593,670 | 2,680 |
| Average total loans | $80,378,000 | 3,863 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9898% | 578 |
| Cost of funding earning assets | 0.6030% | 1,415 |
| Net interest margin | 4.3869% | 755 |
| Noninterest income to average assets | 1.0208% | 1,072 |
| Noninterest expense to average assets | 3.2498% | 1,843 |
| Loan and lease loss provision to assets | 0.1648% | 1,217 |
| Net operating income to assets | 1.5312% | 803 |
| Return on assets (ROA) | 1.5312% | 844 |
| Pretax return on assets | 1.5312% | 1,456 |
| Return on Equity (ROE) | 7.2833% | 3,345 |
| Retained earnings to average equity (ytd only) | -36.1862% | 6,361 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7087% | 4,207 |
| Assets per employee ($millions) | 4.8669% | 2,534 |
| Cash dividends to net income (ytd only)* | 596.8354% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 4,686 |
| Loan loss allowance to noncurrent loans | 207.9012% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 4,107 |
| Noncurrent loans to loans | 0.5122% | 4,040 |
| Net loans and leases to total assets | 61.8213% | 3,397 |
| Net loans and leases to deposits | 87.9767% | 1,613 |
| Net loans and leases to core deposits | 91.8169% | 1,959 |
| Total domestic deposits to total assets | 70.2700% | 6,116 |
| Equity capital to assets | 19.7125% | 237 |
| Core capital (leverage) ratio | 20.0026% | 206 |
| Tier 1 risk-based capital ratio | 27.3586% | 688 |
| Total risk-based capital ratio | 28.2780% | 694 |
| Memoranda: | ||
| Average total assets | $123,821,500 | 4,107 |
| Average earning assets | $110,785,000 | 4,162 |
| Average equity | $26,032,000 | 2,672 |
| Average total loans | $78,253,500 | 3,952 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 661 |
| Cost of funding earning assets | 0.5147% | 2,534 |
| Net interest margin | 4.5664% | 663 |
| Noninterest income to average assets | 1.1983% | 836 |
| Noninterest expense to average assets | 3.7022% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0328% | 2,250 |
| Return on assets (ROA) | 1.0345% | 2,319 |
| Pretax return on assets | 1.5959% | 1,249 |
| Return on Equity (ROE) | 4.6002% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.6002% | 2,907 |
| Net charge-offs to loans | -0.0041% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9116% | 3,542 |
| Assets per employee ($millions) | 4.8442% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 4,939 |
| Loan loss allowance to noncurrent loans | 194.8276% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 3,875 |
| Noncurrent loans to loans | 0.5243% | 4,098 |
| Net loans and leases to total assets | 63.2894% | 3,318 |
| Net loans and leases to deposits | 94.4742% | 1,036 |
| Net loans and leases to core deposits | 114.6588% | 571 |
| Total domestic deposits to total assets | 66.9912% | 6,300 |
| Equity capital to assets | 22.3940% | 142 |
| Core capital (leverage) ratio | 22.7876% | 123 |
| Tier 1 risk-based capital ratio | 31.0302% | 472 |
| Total risk-based capital ratio | 31.9267% | 474 |
| Memoranda: | ||
| Average total assets | $115,417,400 | 4,267 |
| Average earning assets | $103,560,800 | 4,318 |
| Average equity | $25,955,600 | 2,576 |
| Average total loans | $73,900,400 | 4,060 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1112% | 630 |
| Cost of funding earning assets | 0.4923% | 2,843 |
| Net interest margin | 4.6189% | 590 |
| Noninterest income to average assets | 0.5252% | 3,363 |
| Noninterest expense to average assets | 3.6082% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6785% | 4,057 |
| Return on assets (ROA) | 0.6807% | 4,127 |
| Pretax return on assets | 1.0573% | 3,354 |
| Return on Equity (ROE) | 3.0236% | 5,530 |
| Retained earnings to average equity (ytd only) | 3.0236% | 4,465 |
| Net charge-offs to loans | -0.0037% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3959% | 2,288 |
| Assets per employee ($millions) | 4.7058% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,160 |
| Loan loss allowance to noncurrent loans | 159.5960% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 2,986 |
| Noncurrent loans to loans | 0.6343% | 4,030 |
| Net loans and leases to total assets | 65.6585% | 2,922 |
| Net loans and leases to deposits | 98.9470% | 673 |
| Net loans and leases to core deposits | 115.6226% | 526 |
| Total domestic deposits to total assets | 66.3573% | 6,399 |
| Equity capital to assets | 22.2967% | 150 |
| Core capital (leverage) ratio | 23.2800% | 119 |
| Tier 1 risk-based capital ratio | 31.3664% | 463 |
| Total risk-based capital ratio | 32.2920% | 475 |
| Memoranda: | ||
| Average total assets | $113,995,750 | 4,331 |
| Average earning assets | $102,100,250 | 4,386 |
| Average equity | $25,664,500 | 2,612 |
| Average total loans | $73,016,250 | 4,116 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 658 |
| Cost of funding earning assets | 0.4773% | 3,046 |
| Net interest margin | 4.5909% | 597 |
| Noninterest income to average assets | 0.6597% | 2,486 |
| Noninterest expense to average assets | 3.6567% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7206% | 3,732 |
| Return on assets (ROA) | 0.7218% | 3,819 |
| Pretax return on assets | 1.1155% | 3,037 |
| Return on Equity (ROE) | 3.1952% | 5,459 |
| Retained earnings to average equity (ytd only) | 3.1952% | 4,169 |
| Net charge-offs to loans | -0.0084% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6543% | 2,511 |
| Assets per employee ($millions) | 4.7188% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 4,895 |
| Loan loss allowance to noncurrent loans | 91.9767% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 3,153 |
| Noncurrent loans to loans | 1.1994% | 2,833 |
| Net loans and leases to total assets | 62.6117% | 3,304 |
| Net loans and leases to deposits | 94.9136% | 889 |
| Net loans and leases to core deposits | 108.7094% | 740 |
| Total domestic deposits to total assets | 65.9670% | 6,482 |
| Equity capital to assets | 22.9391% | 126 |
| Core capital (leverage) ratio | 23.5923% | 107 |
| Tier 1 risk-based capital ratio | 32.3393% | 431 |
| Total risk-based capital ratio | 33.3124% | 434 |
| Memoranda: | ||
| Average total assets | $112,779,330 | 4,391 |
| Average earning assets | $100,983,330 | 4,444 |
| Average equity | $25,475,670 | 2,616 |
| Average total loans | $71,343,670 | 4,190 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 789 |
| Cost of funding earning assets | 0.4839% | 3,076 |
| Net interest margin | 4.4663% | 703 |
| Noninterest income to average assets | 0.5651% | 2,951 |
| Noninterest expense to average assets | 3.7141% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5438% | 4,483 |
| Return on assets (ROA) | 0.5438% | 4,554 |
| Pretax return on assets | 0.8530% | 3,892 |
| Return on Equity (ROE) | 2.4263% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.4263% | 4,618 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3230% | 2,010 |
| Assets per employee ($millions) | 4.2839% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,025 |
| Loan loss allowance to noncurrent loans | 90.7834% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 3,305 |
| Noncurrent loans to loans | 1.2342% | 2,979 |
| Net loans and leases to total assets | 62.4347% | 3,163 |
| Net loans and leases to deposits | 95.8340% | 666 |
| Net loans and leases to core deposits | 109.6187% | 596 |
| Total domestic deposits to total assets | 65.1488% | 6,569 |
| Equity capital to assets | 22.8385% | 131 |
| Core capital (leverage) ratio | 23.4119% | 114 |
| Tier 1 risk-based capital ratio | 32.1661% | 442 |
| Total risk-based capital ratio | 33.1299% | 448 |
| Memoranda: | ||
| Average total assets | $112,543,000 | 4,436 |
| Average earning assets | $100,844,500 | 4,487 |
| Average equity | $25,224,000 | 2,626 |
| Average total loans | $71,165,500 | 4,228 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 499 |
| Cost of funding earning assets | 0.5599% | 3,022 |
| Net interest margin | 4.7734% | 453 |
| Noninterest income to average assets | 0.4025% | 4,425 |
| Noninterest expense to average assets | 3.2018% | 2,413 |
| Loan and lease loss provision to assets | 0.0749% | 3,613 |
| Net operating income to assets | 1.3060% | 1,234 |
| Return on assets (ROA) | 1.3060% | 1,274 |
| Pretax return on assets | 1.4114% | 1,747 |
| Return on Equity (ROE) | 6.1264% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.1264% | 1,900 |
| Net charge-offs to loans | 0.2357% | 2,566 |
| Credit loss provision to net charge-offs | 49.4253% | 3,832 |
| Earnings coverage of net charge-offs (x) | 9.8046% | 2,457 |
| Efficiency ratio | 68.2959% | 4,141 |
| Assets per employee ($millions) | 4.5482% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 5,170 |
| Loan loss allowance to noncurrent loans | 308.2031% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 4,990 |
| Noncurrent loans to loans | 0.3555% | 5,123 |
| Net loans and leases to total assets | 62.6302% | 3,269 |
| Net loans and leases to deposits | 95.1537% | 786 |
| Net loans and leases to core deposits | 106.2468% | 781 |
| Total domestic deposits to total assets | 65.8200% | 6,634 |
| Equity capital to assets | 21.9957% | 142 |
| Core capital (leverage) ratio | 22.8064% | 119 |
| Tier 1 risk-based capital ratio | 31.0334% | 462 |
| Total risk-based capital ratio | 31.9705% | 470 |
| Memoranda: | ||
| Average total assets | $114,780,600 | 4,390 |
| Average earning assets | $103,049,400 | 4,431 |
| Average equity | $24,468,000 | 2,683 |
| Average total loans | $73,807,800 | 4,137 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 567 |
| Cost of funding earning assets | 0.5753% | 3,041 |
| Net interest margin | 4.6862% | 528 |
| Noninterest income to average assets | 0.1402% | 6,328 |
| Noninterest expense to average assets | 3.2368% | 2,240 |
| Loan and lease loss provision to assets | 0.0997% | 3,097 |
| Net operating income to assets | 1.0140% | 2,322 |
| Return on assets (ROA) | 1.0175% | 2,396 |
| Pretax return on assets | 1.0175% | 3,435 |
| Return on Equity (ROE) | 4.8110% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.8110% | 3,224 |
| Net charge-offs to loans | 0.4130% | 1,560 |
| Credit loss provision to net charge-offs | 37.3913% | 3,761 |
| Earnings coverage of net charge-offs (x) | 4.1782% | 3,519 |
| Efficiency ratio | 74.4006% | 2,998 |
| Assets per employee ($millions) | 4.6094% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 5,654 |
| Loan loss allowance to noncurrent loans | 189.4057% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 3,875 |
| Noncurrent loans to loans | 0.5356% | 4,854 |
| Net loans and leases to total assets | 62.0659% | 3,349 |
| Net loans and leases to deposits | 90.1961% | 1,142 |
| Net loans and leases to core deposits | 101.4266% | 1,030 |
| Total domestic deposits to total assets | 68.8122% | 6,642 |
| Equity capital to assets | 20.8202% | 183 |
| Core capital (leverage) ratio | 22.2080% | 128 |
| Tier 1 risk-based capital ratio | 29.5021% | 539 |
| Total risk-based capital ratio | 30.3507% | 553 |
| Memoranda: | ||
| Average total assets | $115,049,750 | 4,430 |
| Average earning assets | $103,363,750 | 4,463 |
| Average equity | $24,332,500 | 2,727 |
| Average total loans | $74,259,250 | 4,142 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2308% | 598 |
| Cost of funding earning assets | 0.5898% | 3,037 |
| Net interest margin | 4.6410% | 562 |
| Noninterest income to average assets | 0.1252% | 6,431 |
| Noninterest expense to average assets | 3.1899% | 2,380 |
| Loan and lease loss provision to assets | 0.1496% | 2,461 |
| Net operating income to assets | 0.9601% | 2,509 |
| Return on assets (ROA) | 0.9653% | 2,636 |
| Pretax return on assets | 0.9653% | 3,658 |
| Return on Equity (ROE) | 4.5406% | 4,979 |
| Retained earnings to average equity (ytd only) | 4.5406% | 3,381 |
| Net charge-offs to loans | 0.5579% | 1,181 |
| Credit loss provision to net charge-offs | 41.1483% | 3,395 |
| Earnings coverage of net charge-offs (x) | 3.0526% | 3,511 |
| Efficiency ratio | 74.1909% | 3,089 |
| Assets per employee ($millions) | 4.4623% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 5,810 |
| Loan loss allowance to noncurrent loans | 82.1351% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 3,504 |
| Noncurrent loans to loans | 1.2211% | 3,512 |
| Net loans and leases to total assets | 64.1479% | 2,888 |
| Net loans and leases to deposits | 92.8363% | 897 |
| Net loans and leases to core deposits | 105.0103% | 799 |
| Total domestic deposits to total assets | 69.0978% | 6,685 |
| Equity capital to assets | 20.7247% | 179 |
| Core capital (leverage) ratio | 21.5641% | 134 |
| Tier 1 risk-based capital ratio | 28.6560% | 594 |
| Total risk-based capital ratio | 29.5155% | 605 |
| Memoranda: | ||
| Average total assets | $114,988,330 | 4,466 |
| Average earning assets | $103,425,670 | 4,487 |
| Average equity | $24,446,000 | 2,723 |
| Average total loans | $74,927,670 | 4,138 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 777 |
| Cost of funding earning assets | 0.6171% | 2,949 |
| Net interest margin | 4.4596% | 726 |
| Noninterest income to average assets | 0.1153% | 6,519 |
| Noninterest expense to average assets | 3.1484% | 2,516 |
| Loan and lease loss provision to assets | 0.0454% | 3,850 |
| Net operating income to assets | 0.9365% | 2,485 |
| Return on assets (ROA) | 0.9365% | 2,631 |
| Pretax return on assets | 0.9365% | 3,631 |
| Return on Equity (ROE) | 4.3495% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.3495% | 3,627 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2267% | 2,888 |
| Assets per employee ($millions) | 4.9984% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 5,222 |
| Loan loss allowance to noncurrent loans | 78.8308% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 3,348 |
| Noncurrent loans to loans | 1.5097% | 3,288 |
| Net loans and leases to total assets | 64.2740% | 2,652 |
| Net loans and leases to deposits | 91.7696% | 821 |
| Net loans and leases to core deposits | 104.0982% | 712 |
| Total domestic deposits to total assets | 70.0384% | 6,760 |
| Equity capital to assets | 21.4693% | 161 |
| Core capital (leverage) ratio | 21.7374% | 144 |
| Tier 1 risk-based capital ratio | 28.8829% | 588 |
| Total risk-based capital ratio | 29.9182% | 592 |
| Memoranda: | ||
| Average total assets | $114,472,000 | 4,513 |
| Average earning assets | $103,058,000 | 4,536 |
| Average equity | $24,646,500 | 2,741 |
| Average total loans | $74,802,000 | 4,177 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 644 |
| Cost of funding earning assets | 0.7341% | 3,215 |
| Net interest margin | 4.7508% | 595 |
| Noninterest income to average assets | 0.1026% | 6,495 |
| Noninterest expense to average assets | 3.1037% | 2,909 |
| Loan and lease loss provision to assets | 0.8167% | 586 |
| Net operating income to assets | 0.4404% | 4,925 |
| Return on assets (ROA) | 0.7474% | 3,764 |
| Pretax return on assets | 0.7474% | 4,484 |
| Return on Equity (ROE) | 3.5036% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.5036% | 3,753 |
| Net charge-offs to loans | 1.5002% | 594 |
| Credit loss provision to net charge-offs | 83.7984% | 3,699 |
| Earnings coverage of net charge-offs (x) | 1.2898% | 4,817 |
| Efficiency ratio | 71.1728% | 3,594 |
| Assets per employee ($millions) | 4.9557% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 5,251 |
| Loan loss allowance to noncurrent loans | 69.7693% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 3,429 |
| Noncurrent loans to loans | 1.6800% | 3,102 |
| Net loans and leases to total assets | 64.8754% | 2,745 |
| Net loans and leases to deposits | 94.0752% | 745 |
| Net loans and leases to core deposits | 105.1251% | 729 |
| Total domestic deposits to total assets | 68.9612% | 6,826 |
| Equity capital to assets | 21.5924% | 164 |
| Core capital (leverage) ratio | 21.2565% | 152 |
| Tier 1 risk-based capital ratio | 28.0785% | 624 |
| Total risk-based capital ratio | 29.0821% | 623 |
| Memoranda: | ||
| Average total assets | $113,992,800 | 4,496 |
| Average earning assets | $102,171,200 | 4,544 |
| Average equity | $24,317,600 | 2,729 |
| Average total loans | $74,056,800 | 4,206 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 704 |
| Cost of funding earning assets | 0.7528% | 3,330 |
| Net interest margin | 4.7312% | 627 |
| Noninterest income to average assets | 0.0971% | 6,625 |
| Noninterest expense to average assets | 3.1708% | 2,660 |
| Loan and lease loss provision to assets | 0.5333% | 1,108 |
| Net operating income to assets | 0.6269% | 4,258 |
| Return on assets (ROA) | 0.9357% | 3,035 |
| Pretax return on assets | 0.9357% | 3,977 |
| Return on Equity (ROE) | 4.3996% | 5,096 |
| Retained earnings to average equity (ytd only) | 4.3996% | 3,795 |
| Net charge-offs to loans | 1.1859% | 835 |
| Credit loss provision to net charge-offs | 69.4064% | 3,920 |
| Earnings coverage of net charge-offs (x) | 1.5099% | 4,531 |
| Efficiency ratio | 73.2109% | 3,118 |
| Assets per employee ($millions) | 4.5196% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,555 |
| Loan loss allowance to noncurrent loans | 37.5110% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 2.2445% | 2,375 |
| Noncurrent loans to loans | 3.0396% | 1,831 |
| Net loans and leases to total assets | 65.6878% | 2,713 |
| Net loans and leases to deposits | 95.7542% | 674 |
| Net loans and leases to core deposits | 103.1865% | 920 |
| Total domestic deposits to total assets | 68.6005% | 6,901 |
| Equity capital to assets | 21.8526% | 174 |
| Core capital (leverage) ratio | 21.7051% | 147 |
| Tier 1 risk-based capital ratio | 28.2700% | 631 |
| Total risk-based capital ratio | 29.2597% | 644 |
| Memoranda: | ||
| Average total assets | $113,996,000 | 4,541 |
| Average earning assets | $102,015,500 | 4,594 |
| Average equity | $24,244,250 | 2,759 |
| Average total loans | $73,865,500 | 4,262 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 654 |
| Cost of funding earning assets | 0.7799% | 3,366 |
| Net interest margin | 4.7653% | 597 |
| Noninterest income to average assets | 0.0945% | 6,696 |
| Noninterest expense to average assets | 3.1697% | 2,690 |
| Loan and lease loss provision to assets | 0.1609% | 3,501 |
| Net operating income to assets | 1.0286% | 2,346 |
| Return on assets (ROA) | 1.2088% | 1,877 |
| Pretax return on assets | 1.2088% | 2,883 |
| Return on Equity (ROE) | 5.7356% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.7356% | 2,861 |
| Net charge-offs to loans | 0.0817% | 4,327 |
| Credit loss provision to net charge-offs | 306.6667% | 955 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,284 |
| Efficiency ratio | 72.7127% | 3,298 |
| Assets per employee ($millions) | 4.9859% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 4,069 |
| Loan loss allowance to noncurrent loans | 51.7098% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.1085% | 2,653 |
| Noncurrent loans to loans | 2.8763% | 2,084 |
| Net loans and leases to total assets | 64.6317% | 2,900 |
| Net loans and leases to deposits | 95.7324% | 648 |
| Net loans and leases to core deposits | 97.9878% | 1,278 |
| Total domestic deposits to total assets | 67.5128% | 7,012 |
| Equity capital to assets | 21.4360% | 178 |
| Core capital (leverage) ratio | 21.5217% | 148 |
| Tier 1 risk-based capital ratio | 27.7874% | 660 |
| Total risk-based capital ratio | 29.0380% | 642 |
| Memoranda: | ||
| Average total assets | $114,331,670 | 4,557 |
| Average earning assets | $102,323,670 | 4,617 |
| Average equity | $24,095,330 | 2,759 |
| Average total loans | $73,462,000 | 4,299 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 737 |
| Cost of funding earning assets | 0.8140% | 3,355 |
| Net interest margin | 4.6999% | 684 |
| Noninterest income to average assets | 0.0981% | 6,753 |
| Noninterest expense to average assets | 3.1885% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1177% | 2,001 |
| Return on assets (ROA) | 1.3630% | 1,451 |
| Pretax return on assets | 1.3630% | 2,318 |
| Return on Equity (ROE) | 6.5236% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.5236% | 2,668 |
| Net charge-offs to loans | 0.1653% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.6333% | 1,740 |
| Efficiency ratio | 74.0439% | 3,096 |
| Assets per employee ($millions) | 4.5714% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 4,593 |
| Loan loss allowance to noncurrent loans | 47.1967% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.1263% | 2,752 |
| Noncurrent loans to loans | 2.9736% | 2,166 |
| Net loans and leases to total assets | 63.1325% | 3,010 |
| Net loans and leases to deposits | 92.9769% | 730 |
| Net loans and leases to core deposits | 95.1358% | 1,364 |
| Total domestic deposits to total assets | 67.9013% | 7,054 |
| Equity capital to assets | 20.9905% | 181 |
| Core capital (leverage) ratio | 20.9869% | 161 |
| Tier 1 risk-based capital ratio | 27.8389% | 657 |
| Total risk-based capital ratio | 29.0317% | 643 |
| Memoranda: | ||
| Average total assets | $114,159,500 | 4,595 |
| Average earning assets | $102,214,500 | 4,649 |
| Average equity | $23,852,000 | 2,779 |
| Average total loans | $72,575,000 | 4,363 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 906 |
| Cost of funding earning assets | 1.1678% | 2,231 |
| Net interest margin | 4.4598% | 1,229 |
| Noninterest income to average assets | 0.0714% | 6,746 |
| Noninterest expense to average assets | 3.0699% | 3,311 |
| Loan and lease loss provision to assets | 0.3821% | 2,706 |
| Net operating income to assets | 0.6284% | 3,838 |
| Return on assets (ROA) | 0.7588% | 3,384 |
| Pretax return on assets | 0.7588% | 4,123 |
| Return on Equity (ROE) | 3.6934% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.6934% | 3,581 |
| Net charge-offs to loans | 0.3629% | 3,588 |
| Credit loss provision to net charge-offs | 162.1212% | 1,696 |
| Earnings coverage of net charge-offs (x) | 4.2879% | 3,177 |
| Efficiency ratio | 75.2352% | 3,022 |
| Assets per employee ($millions) | 4.5614% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 4,152 |
| Loan loss allowance to noncurrent loans | 40.2667% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 2.4993% | 2,431 |
| Noncurrent loans to loans | 3.6473% | 1,735 |
| Net loans and leases to total assets | 62.1876% | 3,566 |
| Net loans and leases to deposits | 90.1458% | 1,142 |
| Net loans and leases to core deposits | 93.2564% | 1,771 |
| Total domestic deposits to total assets | 68.9856% | 7,035 |
| Equity capital to assets | 20.7964% | 193 |
| Core capital (leverage) ratio | 19.9956% | 202 |
| Tier 1 risk-based capital ratio | 28.1091% | 618 |
| Total risk-based capital ratio | 29.3590% | 609 |
| Memoranda: | ||
| Average total assets | $112,024,400 | 4,591 |
| Average earning assets | $100,700,600 | 4,620 |
| Average equity | $23,014,000 | 2,783 |
| Average total loans | $72,742,800 | 4,388 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6355% | 967 |
| Cost of funding earning assets | 1.2427% | 2,042 |
| Net interest margin | 4.3928% | 1,429 |
| Noninterest income to average assets | 0.0849% | 6,816 |
| Noninterest expense to average assets | 2.9889% | 3,592 |
| Loan and lease loss provision to assets | 0.5045% | 1,961 |
| Net operating income to assets | 0.5428% | 4,349 |
| Return on assets (ROA) | 0.6121% | 4,219 |
| Pretax return on assets | 0.6121% | 4,767 |
| Return on Equity (ROE) | 2.9890% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.9890% | 4,564 |
| Net charge-offs to loans | 0.4826% | 2,805 |
| Credit loss provision to net charge-offs | 159.8485% | 1,928 |
| Earnings coverage of net charge-offs (x) | 3.3182% | 3,481 |
| Efficiency ratio | 74.0521% | 3,172 |
| Assets per employee ($millions) | 4.9366% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,389 |
| Loan loss allowance to noncurrent loans | 36.1541% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 2.7777% | 2,343 |
| Noncurrent loans to loans | 3.9744% | 1,666 |
| Net loans and leases to total assets | 60.8488% | 3,975 |
| Net loans and leases to deposits | 86.7848% | 1,578 |
| Net loans and leases to core deposits | 89.2295% | 2,334 |
| Total domestic deposits to total assets | 70.1145% | 7,036 |
| Equity capital to assets | 19.9993% | 243 |
| Core capital (leverage) ratio | 20.2234% | 211 |
| Tier 1 risk-based capital ratio | 27.1747% | 722 |
| Total risk-based capital ratio | 28.4071% | 712 |
| Memoranda: | ||
| Average total assets | $111,522,000 | 4,635 |
| Average earning assets | $100,314,000 | 4,666 |
| Average equity | $22,838,750 | 2,797 |
| Average total loans | $72,935,500 | 4,423 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 699 |
| Cost of funding earning assets | 1.3074% | 1,894 |
| Net interest margin | 4.5106% | 1,111 |
| Noninterest income to average assets | 0.0879% | 6,889 |
| Noninterest expense to average assets | 2.9505% | 3,832 |
| Loan and lease loss provision to assets | 0.6996% | 1,356 |
| Net operating income to assets | 0.4817% | 4,588 |
| Return on assets (ROA) | 0.5732% | 4,319 |
| Pretax return on assets | 0.5732% | 4,836 |
| Return on Equity (ROE) | 2.7756% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.7756% | 4,515 |
| Net charge-offs to loans | 0.5160% | 2,553 |
| Credit loss provision to net charge-offs | 203.1915% | 1,487 |
| Earnings coverage of net charge-offs (x) | 3.4309% | 3,171 |
| Efficiency ratio | 71.4096% | 3,850 |
| Assets per employee ($millions) | 4.4910% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 4,357 |
| Loan loss allowance to noncurrent loans | 39.9192% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.6346% | 2,532 |
| Noncurrent loans to loans | 3.6260% | 1,943 |
| Net loans and leases to total assets | 65.9182% | 3,047 |
| Net loans and leases to deposits | 94.0992% | 865 |
| Net loans and leases to core deposits | 98.0875% | 1,497 |
| Total domestic deposits to total assets | 70.0518% | 7,107 |
| Equity capital to assets | 20.4794% | 238 |
| Core capital (leverage) ratio | 20.7986% | 191 |
| Tier 1 risk-based capital ratio | 26.0067% | 815 |
| Total risk-based capital ratio | 27.2390% | 797 |
| Memoranda: | ||
| Average total assets | $109,203,000 | 4,721 |
| Average earning assets | $97,901,670 | 4,764 |
| Average equity | $22,553,330 | 2,806 |
| Average total loans | $72,866,000 | 4,470 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 799 |
| Cost of funding earning assets | 1.3982% | 1,618 |
| Net interest margin | 4.3564% | 1,407 |
| Noninterest income to average assets | 0.0892% | 6,969 |
| Noninterest expense to average assets | 2.8569% | 4,241 |
| Loan and lease loss provision to assets | 0.3084% | 2,699 |
| Net operating income to assets | 0.8248% | 2,909 |
| Return on assets (ROA) | 0.8879% | 2,692 |
| Pretax return on assets | 0.8879% | 3,548 |
| Return on Equity (ROE) | 4.2806% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.2806% | 3,597 |
| Net charge-offs to loans | 0.4571% | 2,324 |
| Credit loss provision to net charge-offs | 101.2195% | 2,607 |
| Earnings coverage of net charge-offs (x) | 3.7195% | 2,657 |
| Efficiency ratio | 71.6015% | 3,941 |
| Assets per employee ($millions) | 5.4765% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 5,394 |
| Loan loss allowance to noncurrent loans | 57.6402% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 3,802 |
| Noncurrent loans to loans | 2.1684% | 3,363 |
| Net loans and leases to total assets | 64.4870% | 3,355 |
| Net loans and leases to deposits | 93.0225% | 914 |
| Net loans and leases to core deposits | 96.7681% | 1,613 |
| Total domestic deposits to total assets | 69.3241% | 7,215 |
| Equity capital to assets | 20.4850% | 232 |
| Core capital (leverage) ratio | 21.2071% | 180 |
| Tier 1 risk-based capital ratio | 27.5253% | 665 |
| Total risk-based capital ratio | 28.6031% | 662 |
| Memoranda: | ||
| Average total assets | $107,667,500 | 4,800 |
| Average earning assets | $96,410,500 | 4,842 |
| Average equity | $22,333,500 | 2,824 |
| Average total loans | $71,751,000 | 4,552 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5954% | 1,909 |
| Cost of funding earning assets | 1.6168% | 1,971 |
| Net interest margin | 3.9787% | 3,110 |
| Noninterest income to average assets | -0.0464% | 7,352 |
| Noninterest expense to average assets | 3.4565% | 2,292 |
| Loan and lease loss provision to assets | 0.3640% | 3,933 |
| Net operating income to assets | -0.3316% | 6,246 |
| Return on assets (ROA) | -0.1447% | 6,103 |
| Pretax return on assets | -0.1447% | 6,037 |
| Return on Equity (ROE) | -0.5949% | 6,026 |
| Retained earnings to average equity (ytd only) | -0.5949% | 5,729 |
| Net charge-offs to loans | 0.0017% | 6,837 |
| Credit loss provision to net charge-offs | 33,700.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 736 |
| Efficiency ratio | 99.0712% | 817 |
| Assets per employee ($millions) | 5.2903% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 5,327 |
| Loan loss allowance to noncurrent loans | 91.2065% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 4,693 |
| Noncurrent loans to loans | 1.3588% | 4,445 |
| Net loans and leases to total assets | 67.1833% | 3,166 |
| Net loans and leases to deposits | 98.1796% | 703 |
| Net loans and leases to core deposits | 104.9195% | 1,257 |
| Total domestic deposits to total assets | 68.4290% | 7,308 |
| Equity capital to assets | 21.0102% | 205 |
| Core capital (leverage) ratio | 21.7440% | 175 |
| Tier 1 risk-based capital ratio | 27.8255% | 624 |
| Total risk-based capital ratio | 28.9258% | 621 |
| Memoranda: | ||
| Average total assets | $92,578,200 | 5,203 |
| Average earning assets | $82,263,400 | 5,265 |
| Average equity | $22,524,400 | 2,820 |
| Average total loans | $57,334,600 | 5,186 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5156% | 2,372 |
| Cost of funding earning assets | 1.6462% | 2,127 |
| Net interest margin | 3.8693% | 3,660 |
| Noninterest income to average assets | -0.0986% | 7,537 |
| Noninterest expense to average assets | 3.6129% | 1,764 |
| Loan and lease loss provision to assets | 0.3599% | 3,736 |
| Net operating income to assets | -0.6557% | 6,700 |
| Return on assets (ROA) | -0.4645% | 6,610 |
| Pretax return on assets | -0.4645% | 6,521 |
| Return on Equity (ROE) | -1.8349% | 6,381 |
| Retained earnings to average equity (ytd only) | -1.8349% | 6,170 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9149% | 547 |
| Assets per employee ($millions) | 4.9028% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 5,285 |
| Loan loss allowance to noncurrent loans | 79,700.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 6,726 |
| Noncurrent loans to loans | 0.0016% | 7,274 |
| Net loans and leases to total assets | 64.6977% | 3,972 |
| Net loans and leases to deposits | 98.8147% | 741 |
| Net loans and leases to core deposits | 106.4376% | 1,291 |
| Total domestic deposits to total assets | 65.4738% | 7,487 |
| Equity capital to assets | 23.0603% | 161 |
| Core capital (leverage) ratio | 23.7938% | 141 |
| Tier 1 risk-based capital ratio | 28.7205% | 585 |
| Total risk-based capital ratio | 29.7450% | 582 |
| Memoranda: | ||
| Average total assets | $89,271,250 | 5,380 |
| Average earning assets | $78,805,500 | 5,446 |
| Average equity | $22,598,000 | 2,855 |
| Average total loans | $53,674,250 | 5,407 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4747% | 2,632 |
| Cost of funding earning assets | 1.6941% | 2,146 |
| Net interest margin | 3.7807% | 3,986 |
| Noninterest income to average assets | -0.0602% | 7,595 |
| Noninterest expense to average assets | 3.7154% | 1,529 |
| Loan and lease loss provision to assets | 0.3752% | 3,464 |
| Net operating income to assets | -0.8269% | 6,875 |
| Return on assets (ROA) | -0.6208% | 6,782 |
| Pretax return on assets | -0.6208% | 6,677 |
| Return on Equity (ROE) | -2.3724% | 6,452 |
| Retained earnings to average equity (ytd only) | -2.3724% | 6,202 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8396% | 495 |
| Assets per employee ($millions) | 4.7643% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 5,003 |
| Loan loss allowance to noncurrent loans | 214.9701% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 6,300 |
| Noncurrent loans to loans | 0.5983% | 6,044 |
| Net loans and leases to total assets | 60.8725% | 4,892 |
| Net loans and leases to deposits | 95.7081% | 1,077 |
| Net loans and leases to core deposits | 100.9804% | 1,921 |
| Total domestic deposits to total assets | 63.6022% | 7,595 |
| Equity capital to assets | 25.0889% | 136 |
| Core capital (leverage) ratio | 24.9952% | 129 |
| Tier 1 risk-based capital ratio | 32.0737% | 425 |
| Total risk-based capital ratio | 33.1042% | 422 |
| Memoranda: | ||
| Average total assets | $86,343,000 | 5,499 |
| Average earning assets | $75,912,330 | 5,582 |
| Average equity | $22,593,330 | 2,845 |
| Average total loans | $50,153,330 | 5,601 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 3,496 |
| Cost of funding earning assets | 1.7031% | 2,375 |
| Net interest margin | 3.6069% | 4,698 |
| Noninterest income to average assets | 0.0617% | 7,409 |
| Noninterest expense to average assets | 3.7648% | 1,383 |
| Loan and lease loss provision to assets | 0.3418% | 3,335 |
| Net operating income to assets | -0.8878% | 7,055 |
| Return on assets (ROA) | -0.6647% | 6,966 |
| Pretax return on assets | -0.6647% | 6,881 |
| Return on Equity (ROE) | -2.4851% | 6,692 |
| Retained earnings to average equity (ytd only) | -2.4851% | 6,290 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9617% | 483 |
| Assets per employee ($millions) | 4.2708% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,981 |
| Loan loss allowance to noncurrent loans | 163.5417% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,991 |
| Noncurrent loans to loans | 0.7892% | 5,739 |
| Net loans and leases to total assets | 53.5502% | 6,084 |
| Net loans and leases to deposits | 84.2978% | 2,889 |
| Net loans and leases to core deposits | 89.3908% | 3,447 |
| Total domestic deposits to total assets | 63.5250% | 7,689 |
| Equity capital to assets | 25.1143% | 142 |
| Core capital (leverage) ratio | 26.9960% | 104 |
| Tier 1 risk-based capital ratio | 33.9717% | 383 |
| Total risk-based capital ratio | 34.9226% | 383 |
| Memoranda: | ||
| Average total assets | $84,253,500 | 5,626 |
| Average earning assets | $73,748,500 | 5,715 |
| Average equity | $22,534,500 | 2,875 |
| Average total loans | $47,319,500 | 5,787 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 6,214 |
| Cost of funding earning assets | 1.9772% | 3,072 |
| Net interest margin | 3.0874% | 6,407 |
| Noninterest income to average assets | 0.0820% | 7,343 |
| Noninterest expense to average assets | 4.6776% | 664 |
| Loan and lease loss provision to assets | 0.8062% | 2,720 |
| Net operating income to assets | -2.8069% | 7,353 |
| Return on assets (ROA) | -2.9013% | 7,384 |
| Pretax return on assets | -2.9013% | 7,264 |
| Return on Equity (ROE) | -7.9958% | 6,465 |
| Retained earnings to average equity (ytd only) | -7.9958% | 6,346 |
| Net charge-offs to loans | 0.6160% | 3,366 |
| Credit loss provision to net charge-offs | 260.5000% | 1,346 |
| Earnings coverage of net charge-offs (x) | -6.4650% | 7,130 |
| Efficiency ratio | 174.7399% | 203 |
| Assets per employee ($millions) | 4.1485% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,285 |
| Loan loss allowance to noncurrent loans | 166.7665% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 5,879 |
| Noncurrent loans to loans | 0.7263% | 5,804 |
| Net loans and leases to total assets | 57.6331% | 5,722 |
| Net loans and leases to deposits | 98.4739% | 1,054 |
| Net loans and leases to core deposits | 147.2083% | 580 |
| Total domestic deposits to total assets | 58.5263% | 7,824 |
| Equity capital to assets | 28.6028% | 115 |
| Core capital (leverage) ratio | 28.5454% | 114 |
| Tier 1 risk-based capital ratio | 37.1818% | 297 |
| Total risk-based capital ratio | 38.1007% | 299 |
| Memoranda: | ||
| Average total assets | $64,626,800 | 6,179 |
| Average earning assets | $54,318,200 | 6,362 |
| Average equity | $23,449,800 | 2,788 |
| Average total loans | $32,468,800 | 6,495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 6,877 |
| Cost of funding earning assets | 1.9896% | 3,412 |
| Net interest margin | 2.9138% | 6,825 |
| Noninterest income to average assets | 0.0764% | 7,524 |
| Noninterest expense to average assets | 4.5100% | 737 |
| Loan and lease loss provision to assets | 0.7356% | 2,537 |
| Net operating income to assets | -2.7396% | 7,524 |
| Return on assets (ROA) | -2.9797% | 7,587 |
| Pretax return on assets | -2.9797% | 7,495 |
| Return on Equity (ROE) | -7.6869% | 6,706 |
| Retained earnings to average equity (ytd only) | -7.6869% | 6,562 |
| Net charge-offs to loans | 0.7379% | 2,518 |
| Credit loss provision to net charge-offs | 209.3168% | 2,104 |
| Earnings coverage of net charge-offs (x) | -5.7019% | 6,865 |
| Efficiency ratio | 179.9652% | 199 |
| Assets per employee ($millions) | 3.9402% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 5,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 6,997 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 42.6577% | 7,330 |
| Net loans and leases to deposits | 74.0033% | 5,368 |
| Net loans and leases to core deposits | 114.9265% | 2,734 |
| Total domestic deposits to total assets | 57.6430% | 7,906 |
| Equity capital to assets | 29.3665% | 122 |
| Core capital (leverage) ratio | 32.3172% | 109 |
| Tier 1 risk-based capital ratio | 44.8365% | 212 |
| Total risk-based capital ratio | 45.6391% | 214 |
| Memoranda: | ||
| Average total assets | $61,078,250 | 6,353 |
| Average earning assets | $50,929,500 | 6,542 |
| Average equity | $23,676,000 | 2,791 |
| Average total loans | $29,090,000 | 6,738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 6,836 |
| Cost of funding earning assets | 2.0226% | 3,666 |
| Net interest margin | 2.9568% | 6,664 |
| Noninterest income to average assets | 0.0616% | 7,679 |
| Noninterest expense to average assets | 4.9955% | 515 |
| Loan and lease loss provision to assets | 1.0767% | 1,589 |
| Net operating income to assets | -3.5781% | 7,773 |
| Return on assets (ROA) | -4.1037% | 7,844 |
| Pretax return on assets | -4.1037% | 7,764 |
| Return on Equity (ROE) | -9.4911% | 6,991 |
| Retained earnings to average equity (ytd only) | -9.4911% | 6,813 |
| Net charge-offs to loans | 1.1733% | 1,557 |
| Credit loss provision to net charge-offs | 184.4720% | 2,485 |
| Earnings coverage of net charge-offs (x) | -4.2857% | 6,444 |
| Efficiency ratio | 200.2907% | 200 |
| Assets per employee ($millions) | 3.1285% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 6,849 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 48.3508% | 7,008 |
| Net loans and leases to deposits | 84.6123% | 3,774 |
| Net loans and leases to core deposits | 124.2655% | 2,000 |
| Total domestic deposits to total assets | 57.1439% | 7,993 |
| Equity capital to assets | 35.1132% | 103 |
| Core capital (leverage) ratio | 41.0093% | 86 |
| Tier 1 risk-based capital ratio | 48.4511% | 196 |
| Total risk-based capital ratio | 49.2271% | 199 |
| Memoranda: | ||
| Average total assets | $55,169,670 | 6,632 |
| Average earning assets | $45,386,330 | 6,821 |
| Average equity | $23,854,000 | 2,773 |
| Average total loans | $27,444,000 | 6,883 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 7,187 |
| Cost of funding earning assets | 1.9227% | 4,526 |
| Net interest margin | 2.9732% | 6,552 |
| Noninterest income to average assets | 0.0561% | 7,799 |
| Noninterest expense to average assets | 5.2981% | 400 |
| Loan and lease loss provision to assets | 0.9779% | 1,328 |
| Net operating income to assets | -3.8152% | 7,968 |
| Return on assets (ROA) | -3.6870% | 7,939 |
| Pretax return on assets | -3.6870% | 7,866 |
| Return on Equity (ROE) | -7.5887% | 7,202 |
| Retained earnings to average equity (ytd only) | -7.5887% | 6,864 |
| Net charge-offs to loans | 0.0319% | 5,072 |
| Credit loss provision to net charge-offs | 6,100.0000% | 117 |
| Earnings coverage of net charge-offs (x) | -177.0000% | 5,720 |
| Efficiency ratio | 215.3094% | 163 |
| Assets per employee ($millions) | 2.6215% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,472 |
| Loan loss allowance to noncurrent loans | 121.0884% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 5,796 |
| Noncurrent loans to loans | 1.0294% | 4,931 |
| Net loans and leases to total assets | 53.7927% | 6,490 |
| Net loans and leases to deposits | 100.1065% | 1,395 |
| Net loans and leases to core deposits | 146.2356% | 848 |
| Total domestic deposits to total assets | 53.7355% | 8,074 |
| Equity capital to assets | 45.9135% | 77 |
| Core capital (leverage) ratio | 48.4989% | 77 |
| Tier 1 risk-based capital ratio | 57.8150% | 149 |
| Total risk-based capital ratio | 58.6770% | 148 |
| Memoranda: | ||
| Average total assets | $49,905,000 | 6,870 |
| Average earning assets | $40,360,000 | 7,081 |
| Average equity | $24,246,500 | 2,738 |
| Average total loans | $25,097,000 | 7,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 7,905 |
| Cost of funding earning assets | 1.2099% | 7,932 |
| Net interest margin | 3.6791% | 4,555 |
| Noninterest income to average assets | 0.0308% | 7,977 |
| Noninterest expense to average assets | 5.4106% | 524 |
| Loan and lease loss provision to assets | 0.6616% | 2,194 |
| Net operating income to assets | -2.9128% | 7,809 |
| Return on assets (ROA) | -2.8483% | 7,757 |
| Pretax return on assets | -2.8483% | 7,669 |
| Return on Equity (ROE) | -4.1069% | 6,761 |
| Retained earnings to average equity (ytd only) | -4.1069% | 6,344 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.2511% | 277 |
| Assets per employee ($millions) | 2.7871% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.1637% | 7,396 |
| Net loans and leases to deposits | 114.6662% | 588 |
| Net loans and leases to core deposits | 169.6987% | 407 |
| Total domestic deposits to total assets | 39.3871% | 8,192 |
| Equity capital to assets | 51.5418% | 75 |
| Core capital (leverage) ratio | 54.4813% | 71 |
| Tier 1 risk-based capital ratio | 72.2886% | 112 |
| Total risk-based capital ratio | 72.9902% | 114 |
| Memoranda: | ||
| Average total assets | $35,670,600 | 7,399 |
| Average earning assets | $30,333,200 | 7,497 |
| Average equity | $24,739,000 | 2,661 |
| Average total loans | $10,145,400 | 7,931 |