Home > Bank of Franklin County > Performance and Condition Ratios
Bank of Franklin County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 2,159 |
| Cost of funding earning assets | 2.0455% | 859 |
| Net interest margin | 2.9114% | 3,456 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.5345% | 2,206 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.3941% | 3,885 |
| Return on assets (ROA) | 0.3923% | 3,879 |
| Pretax return on assets | 0.4802% | 3,847 |
| Return on Equity (ROE) | 5.2200% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.2203% | 2,525 |
| Net charge-offs to loans | 0.0114% | 2,221 |
| Credit loss provision to net charge-offs | 988.2353% | 419 |
| Earnings coverage of net charge-offs (x) | 64.8235% | 1,146 |
| Efficiency ratio | 81.5426% | 806 |
| Assets per employee ($millions) | 6.1308% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 2,682 |
| Loan loss allowance to noncurrent loans | 3,692.6316% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 1,702 |
| Noncurrent loans to loans | 0.0305% | 3,519 |
| Net loans and leases to total assets | 78.4100% | 823 |
| Net loans and leases to deposits | 94.1041% | 931 |
| Net loans and leases to core deposits | 99.2785% | 1,469 |
| Total domestic deposits to total assets | 83.3200% | 2,801 |
| Equity capital to assets | 8.0293% | 3,395 |
| Core capital (leverage) ratio | 9.1197% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $384,184,800 | 2,061 |
| Average earning assets | $350,616,000 | 2,090 |
| Average equity | $28,867,800 | 2,321 |
| Average total loans | $299,339,600 | 1,790 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 2,171 |
| Cost of funding earning assets | 1.9593% | 762 |
| Net interest margin | 2.8871% | 3,578 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.5983% | 1,950 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.3587% | 4,032 |
| Return on assets (ROA) | 0.3566% | 4,041 |
| Pretax return on assets | 0.4323% | 4,016 |
| Return on Equity (ROE) | 4.8300% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.8306% | 2,989 |
| Net charge-offs to loans | 0.0058% | 2,238 |
| Credit loss provision to net charge-offs | 1,007.6923% | 398 |
| Earnings coverage of net charge-offs (x) | 105.6923% | 893 |
| Efficiency ratio | 84.4235% | 589 |
| Assets per employee ($millions) | 6.2056% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 2,941 |
| Loan loss allowance to noncurrent loans | 1,943.8596% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 1,499 |
| Noncurrent loans to loans | 0.0558% | 3,357 |
| Net loans and leases to total assets | 77.5300% | 942 |
| Net loans and leases to deposits | 92.4505% | 1,016 |
| Net loans and leases to core deposits | 98.7280% | 1,399 |
| Total domestic deposits to total assets | 83.8600% | 2,817 |
| Equity capital to assets | 7.3723% | 3,435 |
| Core capital (leverage) ratio | 8.7497% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $382,137,750 | 2,068 |
| Average earning assets | $348,344,250 | 2,104 |
| Average equity | $28,208,500 | 2,340 |
| Average total loans | $296,381,250 | 1,806 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 2,147 |
| Cost of funding earning assets | 1.8387% | 691 |
| Net interest margin | 2.8919% | 3,660 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.5970% | 1,937 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3692% | 4,054 |
| Return on assets (ROA) | 0.3687% | 4,073 |
| Pretax return on assets | 0.4483% | 4,045 |
| Return on Equity (ROE) | 4.9900% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.9921% | 2,941 |
| Net charge-offs to loans | 0.0055% | 2,056 |
| Credit loss provision to net charge-offs | 287.5000% | 881 |
| Earnings coverage of net charge-offs (x) | 117.6250% | 855 |
| Efficiency ratio | 83.9557% | 597 |
| Assets per employee ($millions) | 5.8537% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 2,921 |
| Loan loss allowance to noncurrent loans | 3,689.8876% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 1,451 |
| Noncurrent loans to loans | 0.0300% | 3,534 |
| Net loans and leases to total assets | 75.8100% | 1,077 |
| Net loans and leases to deposits | 90.5502% | 1,138 |
| Net loans and leases to core deposits | 95.9984% | 1,467 |
| Total domestic deposits to total assets | 83.7200% | 2,887 |
| Equity capital to assets | 7.5979% | 3,468 |
| Core capital (leverage) ratio | 8.9583% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $379,199,667 | 2,080 |
| Average earning assets | $345,244,000 | 2,120 |
| Average equity | $28,004,000 | 2,354 |
| Average total loans | $293,033,667 | 1,812 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 2,018 |
| Cost of funding earning assets | 1.7058% | 568 |
| Net interest margin | 2.9199% | 3,760 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.6335% | 1,866 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3780% | 4,122 |
| Return on assets (ROA) | 0.3780% | 4,072 |
| Pretax return on assets | 0.4600% | 4,042 |
| Return on Equity (ROE) | 5.2000% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.1959% | 2,974 |
| Net charge-offs to loans | 0.0110% | 1,530 |
| Credit loss provision to net charge-offs | -225.0000% | 4,609 |
| Earnings coverage of net charge-offs (x) | 59.6250% | 1,023 |
| Efficiency ratio | 83.8305% | 599 |
| Assets per employee ($millions) | 5.6787% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,066 |
| Loan loss allowance to noncurrent loans | 1,941.9162% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 1,311 |
| Noncurrent loans to loans | 0.0566% | 3,335 |
| Net loans and leases to total assets | 76.7500% | 902 |
| Net loans and leases to deposits | 92.8126% | 863 |
| Net loans and leases to core deposits | 98.7726% | 1,138 |
| Total domestic deposits to total assets | 82.7000% | 3,353 |
| Equity capital to assets | 7.6846% | 3,456 |
| Core capital (leverage) ratio | 9.0507% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $375,628,500 | 2,123 |
| Average earning assets | $341,657,500 | 2,168 |
| Average equity | $27,329,000 | 2,424 |
| Average total loans | $291,462,500 | 1,825 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 1,728 |
| Cost of funding earning assets | 0.5476% | 1,119 |
| Net interest margin | 3.4484% | 2,104 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.7347% | 1,476 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6780% | 3,681 |
| Return on assets (ROA) | 0.7181% | 3,515 |
| Pretax return on assets | 0.9004% | 3,354 |
| Return on Equity (ROE) | 9.2200% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.6610% | 3,192 |
| Net charge-offs to loans | -0.0004% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.1688% | 1,104 |
| Assets per employee ($millions) | 5.4527% | 3,268 |
| Cash dividends to net income (ytd only)* | 49.4641% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 2,713 |
| Loan loss allowance to noncurrent loans | 1,900.5814% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,255 |
| Noncurrent loans to loans | 0.0598% | 3,323 |
| Net loans and leases to total assets | 76.7000% | 937 |
| Net loans and leases to deposits | 95.5154% | 677 |
| Net loans and leases to core deposits | 98.7712% | 1,064 |
| Total domestic deposits to total assets | 80.3000% | 3,832 |
| Equity capital to assets | 6.8558% | 3,741 |
| Core capital (leverage) ratio | 8.6459% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $337,847,000 | 2,268 |
| Average earning assets | $306,634,600 | 2,301 |
| Average equity | $26,303,600 | 2,514 |
| Average total loans | $248,132,400 | 1,954 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 1,486 |
| Cost of funding earning assets | 0.3873% | 1,381 |
| Net interest margin | 3.5104% | 1,639 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.7607% | 1,324 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.7353% | 3,466 |
| Return on assets (ROA) | 0.7908% | 3,246 |
| Pretax return on assets | 0.9943% | 3,030 |
| Return on Equity (ROE) | 9.8300% | 2,782 |
| Retained earnings to average equity (ytd only) | 3.7951% | 3,513 |
| Net charge-offs to loans | 0.0039% | 2,071 |
| Credit loss provision to net charge-offs | 1,928.5714% | 259 |
| Earnings coverage of net charge-offs (x) | 345.8571% | 429 |
| Efficiency ratio | 73.8157% | 1,297 |
| Assets per employee ($millions) | 4.9123% | 3,753 |
| Cash dividends to net income (ytd only)* | 61.3811% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,214 |
| Loan loss allowance to noncurrent loans | 1,806.7416% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 1,186 |
| Noncurrent loans to loans | 0.0698% | 3,376 |
| Net loans and leases to total assets | 75.3600% | 979 |
| Net loans and leases to deposits | 82.7530% | 1,382 |
| Net loans and leases to core deposits | 84.6235% | 1,611 |
| Total domestic deposits to total assets | 91.0700% | 1,214 |
| Equity capital to assets | 7.3474% | 3,304 |
| Core capital (leverage) ratio | 9.0121% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $329,613,500 | 2,319 |
| Average earning assets | $299,523,000 | 2,361 |
| Average equity | $26,524,500 | 2,544 |
| Average total loans | $238,253,000 | 2,006 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 1,494 |
| Cost of funding earning assets | 0.3682% | 1,124 |
| Net interest margin | 3.3510% | 1,752 |
| Noninterest income to average assets | 0.6022% | 1,730 |
| Noninterest expense to average assets | 2.6989% | 1,393 |
| Loan and lease loss provision to assets | 0.0549% | 1,594 |
| Net operating income to assets | 0.7107% | 3,275 |
| Return on assets (ROA) | 0.7978% | 2,935 |
| Pretax return on assets | 1.0032% | 2,721 |
| Return on Equity (ROE) | 9.6303% | 2,478 |
| Retained earnings to average equity (ytd only) | 3.7447% | 3,184 |
| Net charge-offs to loans | 0.0026% | 1,998 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 251 |
| Efficiency ratio | 73.9850% | 1,508 |
| Assets per employee ($millions) | 4.8879% | 3,781 |
| Cash dividends to net income (ytd only)* | 61.1154% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,056 |
| Loan loss allowance to noncurrent loans | 1,783.7079% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 1,215 |
| Noncurrent loans to loans | 0.0744% | 3,428 |
| Net loans and leases to total assets | 72.0385% | 1,095 |
| Net loans and leases to deposits | 78.3242% | 1,517 |
| Net loans and leases to core deposits | 79.7602% | 1,733 |
| Total domestic deposits to total assets | 91.9747% | 845 |
| Equity capital to assets | 7.5523% | 3,436 |
| Core capital (leverage) ratio | 9.0118% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,138,667 | 2,336 |
| Average earning assets | $298,242,000 | 2,387 |
| Average equity | $27,185,000 | 2,571 |
| Average total loans | $232,684,333 | 2,036 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 1,319 |
| Cost of funding earning assets | 0.3876% | 938 |
| Net interest margin | 3.2916% | 1,588 |
| Noninterest income to average assets | 0.6893% | 1,349 |
| Noninterest expense to average assets | 2.7084% | 1,340 |
| Loan and lease loss provision to assets | 0.0548% | 1,399 |
| Net operating income to assets | 0.7295% | 2,942 |
| Return on assets (ROA) | 0.9024% | 2,260 |
| Pretax return on assets | 1.1447% | 2,003 |
| Return on Equity (ROE) | 10.4326% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.8010% | 2,665 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4236% | 1,806 |
| Assets per employee ($millions) | 5.3592% | 3,440 |
| Cash dividends to net income (ytd only)* | 53.9811% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,086 |
| Loan loss allowance to noncurrent loans | 1,590.3553% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 1,256 |
| Noncurrent loans to loans | 0.0853% | 3,414 |
| Net loans and leases to total assets | 68.5553% | 1,157 |
| Net loans and leases to deposits | 75.0900% | 1,517 |
| Net loans and leases to core deposits | 76.9491% | 1,708 |
| Total domestic deposits to total assets | 91.2975% | 887 |
| Equity capital to assets | 8.1984% | 3,410 |
| Core capital (leverage) ratio | 9.0377% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,463,500 | 2,350 |
| Average earning assets | $299,309,000 | 2,393 |
| Average equity | $28,411,000 | 2,576 |
| Average total loans | $229,480,000 | 2,047 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 1,073 |
| Cost of funding earning assets | 0.5048% | 913 |
| Net interest margin | 3.6501% | 1,341 |
| Noninterest income to average assets | 0.6203% | 2,072 |
| Noninterest expense to average assets | 2.7391% | 1,518 |
| Loan and lease loss provision to assets | 0.1212% | 1,018 |
| Net operating income to assets | 0.8746% | 3,124 |
| Return on assets (ROA) | 0.9115% | 3,061 |
| Pretax return on assets | 1.1406% | 2,851 |
| Return on Equity (ROE) | 10.2021% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.9747% | 2,373 |
| Net charge-offs to loans | 0.0046% | 2,434 |
| Credit loss provision to net charge-offs | 3,850.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 386.2000% | 339 |
| Efficiency ratio | 69.2638% | 1,820 |
| Assets per employee ($millions) | 5.3222% | 3,454 |
| Cash dividends to net income (ytd only)* | 41.4365% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,113 |
| Loan loss allowance to noncurrent loans | 1,122.9091% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 1,294 |
| Noncurrent loans to loans | 0.1206% | 3,328 |
| Net loans and leases to total assets | 69.2886% | 1,125 |
| Net loans and leases to deposits | 76.6708% | 1,513 |
| Net loans and leases to core deposits | 78.7711% | 1,700 |
| Total domestic deposits to total assets | 90.3716% | 775 |
| Equity capital to assets | 9.1115% | 3,501 |
| Core capital (leverage) ratio | 8.9979% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,735,200 | 2,348 |
| Average earning assets | $290,235,200 | 2,377 |
| Average equity | $28,386,200 | 2,623 |
| Average total loans | $218,315,000 | 2,113 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 1,205 |
| Cost of funding earning assets | 0.5350% | 894 |
| Net interest margin | 3.6091% | 1,580 |
| Noninterest income to average assets | 0.7012% | 1,817 |
| Noninterest expense to average assets | 2.7286% | 1,515 |
| Loan and lease loss provision to assets | 0.0949% | 1,258 |
| Net operating income to assets | 0.9293% | 3,153 |
| Return on assets (ROA) | 0.9704% | 3,098 |
| Pretax return on assets | 1.2286% | 2,838 |
| Return on Equity (ROE) | 10.9180% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.6457% | 2,559 |
| Net charge-offs to loans | 0.0111% | 1,915 |
| Credit loss provision to net charge-offs | 1,250.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 167.3889% | 629 |
| Efficiency ratio | 68.2173% | 1,791 |
| Assets per employee ($millions) | 5.1785% | 3,525 |
| Cash dividends to net income (ytd only)* | 39.1304% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,637 |
| Loan loss allowance to noncurrent loans | 168.2997% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 524 |
| Noncurrent loans to loans | 0.7539% | 1,491 |
| Net loans and leases to total assets | 69.6497% | 1,111 |
| Net loans and leases to deposits | 77.2882% | 1,549 |
| Net loans and leases to core deposits | 79.2249% | 1,800 |
| Total domestic deposits to total assets | 90.1169% | 723 |
| Equity capital to assets | 9.1493% | 3,696 |
| Core capital (leverage) ratio | 8.9621% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,005,250 | 2,388 |
| Average earning assets | $288,820,000 | 2,410 |
| Average equity | $28,087,500 | 2,676 |
| Average total loans | $215,884,500 | 2,165 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 1,293 |
| Cost of funding earning assets | 0.5729% | 855 |
| Net interest margin | 3.5560% | 1,693 |
| Noninterest income to average assets | 0.6513% | 2,002 |
| Noninterest expense to average assets | 2.7128% | 1,561 |
| Loan and lease loss provision to assets | 0.1056% | 1,188 |
| Net operating income to assets | 0.8506% | 3,364 |
| Return on assets (ROA) | 0.9137% | 3,260 |
| Pretax return on assets | 1.1574% | 3,037 |
| Return on Equity (ROE) | 10.3853% | 2,620 |
| Retained earnings to average equity (ytd only) | 6.0217% | 2,794 |
| Net charge-offs to loans | 0.0275% | 1,399 |
| Credit loss provision to net charge-offs | 568.9655% | 644 |
| Earnings coverage of net charge-offs (x) | 63.7586% | 946 |
| Efficiency ratio | 69.6338% | 1,691 |
| Assets per employee ($millions) | 5.0352% | 3,636 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,586 |
| Loan loss allowance to noncurrent loans | 738.0829% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 1,098 |
| Noncurrent loans to loans | 0.1721% | 3,357 |
| Net loans and leases to total assets | 68.7076% | 1,361 |
| Net loans and leases to deposits | 76.1110% | 1,810 |
| Net loans and leases to core deposits | 78.0748% | 2,039 |
| Total domestic deposits to total assets | 90.2729% | 658 |
| Equity capital to assets | 9.0466% | 3,757 |
| Core capital (leverage) ratio | 8.9140% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,592,333 | 2,398 |
| Average earning assets | $285,206,000 | 2,419 |
| Average equity | $27,500,333 | 2,701 |
| Average total loans | $211,130,000 | 2,202 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 1,371 |
| Cost of funding earning assets | 0.6116% | 837 |
| Net interest margin | 3.4941% | 1,842 |
| Noninterest income to average assets | 0.6979% | 1,873 |
| Noninterest expense to average assets | 2.8438% | 1,275 |
| Loan and lease loss provision to assets | 0.0780% | 1,634 |
| Net operating income to assets | 0.7570% | 3,555 |
| Return on assets (ROA) | 0.8864% | 3,245 |
| Pretax return on assets | 1.1177% | 3,072 |
| Return on Equity (ROE) | 10.2272% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.7284% | 2,994 |
| Net charge-offs to loans | 0.0567% | 945 |
| Credit loss provision to net charge-offs | 206.8966% | 878 |
| Earnings coverage of net charge-offs (x) | 27.3793% | 1,132 |
| Efficiency ratio | 73.3736% | 1,365 |
| Assets per employee ($millions) | 4.8282% | 3,831 |
| Cash dividends to net income (ytd only)* | 43.9883% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,455 |
| Loan loss allowance to noncurrent loans | 862.8931% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 1,213 |
| Noncurrent loans to loans | 0.1502% | 3,575 |
| Net loans and leases to total assets | 66.6086% | 1,718 |
| Net loans and leases to deposits | 73.2172% | 2,191 |
| Net loans and leases to core deposits | 75.1768% | 2,414 |
| Total domestic deposits to total assets | 90.9739% | 403 |
| Equity capital to assets | 8.4318% | 4,172 |
| Core capital (leverage) ratio | 8.5840% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,761,500 | 2,406 |
| Average earning assets | $279,899,500 | 2,438 |
| Average equity | $26,674,000 | 2,752 |
| Average total loans | $204,564,000 | 2,252 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 1,040 |
| Cost of funding earning assets | 0.8740% | 933 |
| Net interest margin | 3.7574% | 1,621 |
| Noninterest income to average assets | 0.8404% | 1,413 |
| Noninterest expense to average assets | 2.8397% | 1,837 |
| Loan and lease loss provision to assets | 0.4160% | 726 |
| Net operating income to assets | 0.7888% | 3,137 |
| Return on assets (ROA) | 0.7881% | 3,261 |
| Pretax return on assets | 1.0100% | 3,015 |
| Return on Equity (ROE) | 8.6886% | 2,522 |
| Retained earnings to average equity (ytd only) | 4.8184% | 2,361 |
| Net charge-offs to loans | 0.4477% | 372 |
| Credit loss provision to net charge-offs | 126.8737% | 2,579 |
| Earnings coverage of net charge-offs (x) | 4.3512% | 2,996 |
| Efficiency ratio | 66.5597% | 2,437 |
| Assets per employee ($millions) | 4.5028% | 3,910 |
| Cash dividends to net income (ytd only)* | 44.5434% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,080 |
| Loan loss allowance to noncurrent loans | 819.6375% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 1,258 |
| Noncurrent loans to loans | 0.1677% | 3,607 |
| Net loans and leases to total assets | 64.5137% | 2,294 |
| Net loans and leases to deposits | 73.3354% | 2,554 |
| Net loans and leases to core deposits | 75.4503% | 2,777 |
| Total domestic deposits to total assets | 87.9707% | 1,485 |
| Equity capital to assets | 8.9119% | 4,132 |
| Core capital (leverage) ratio | 8.6235% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,858,600 | 2,372 |
| Average earning assets | $259,730,400 | 2,403 |
| Average equity | $25,838,600 | 2,749 |
| Average total loans | $208,619,000 | 2,169 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 748 |
| Cost of funding earning assets | 0.9208% | 996 |
| Net interest margin | 3.9681% | 1,188 |
| Noninterest income to average assets | 0.7748% | 1,586 |
| Noninterest expense to average assets | 2.8419% | 1,844 |
| Loan and lease loss provision to assets | 0.5630% | 473 |
| Net operating income to assets | 0.7748% | 3,184 |
| Return on assets (ROA) | 0.7739% | 3,307 |
| Pretax return on assets | 0.9948% | 3,090 |
| Return on Equity (ROE) | 8.4919% | 2,603 |
| Retained earnings to average equity (ytd only) | 4.8428% | 2,634 |
| Net charge-offs to loans | 0.4231% | 377 |
| Credit loss provision to net charge-offs | 176.6021% | 2,192 |
| Earnings coverage of net charge-offs (x) | 4.8897% | 2,782 |
| Efficiency ratio | 64.5795% | 2,648 |
| Assets per employee ($millions) | 4.7132% | 3,580 |
| Cash dividends to net income (ytd only)* | 42.9711% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,970 |
| Loan loss allowance to noncurrent loans | 362.9268% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 1,377 |
| Noncurrent loans to loans | 0.3711% | 2,953 |
| Net loans and leases to total assets | 73.4160% | 1,441 |
| Net loans and leases to deposits | 84.1234% | 1,899 |
| Net loans and leases to core deposits | 86.4699% | 2,277 |
| Total domestic deposits to total assets | 87.2717% | 1,553 |
| Equity capital to assets | 8.9388% | 4,157 |
| Core capital (leverage) ratio | 8.5884% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,651,250 | 2,373 |
| Average earning assets | $256,441,250 | 2,404 |
| Average equity | $25,576,750 | 2,755 |
| Average total loans | $211,438,000 | 2,155 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 478 |
| Cost of funding earning assets | 0.9710% | 1,068 |
| Net interest margin | 4.3336% | 699 |
| Noninterest income to average assets | 0.7681% | 1,530 |
| Noninterest expense to average assets | 2.8885% | 1,857 |
| Loan and lease loss provision to assets | 0.7412% | 351 |
| Net operating income to assets | 0.8451% | 2,883 |
| Return on assets (ROA) | 0.8444% | 2,998 |
| Pretax return on assets | 1.0813% | 2,774 |
| Return on Equity (ROE) | 9.2021% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.0344% | 2,068 |
| Net charge-offs to loans | 0.5253% | 303 |
| Credit loss provision to net charge-offs | 186.4717% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.5868% | 2,588 |
| Efficiency ratio | 61.3048% | 3,233 |
| Assets per employee ($millions) | 4.5063% | 3,782 |
| Cash dividends to net income (ytd only)* | 34.4234% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,803 |
| Loan loss allowance to noncurrent loans | 354.4686% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 795 |
| Noncurrent loans to loans | 0.3794% | 3,055 |
| Net loans and leases to total assets | 72.3965% | 1,634 |
| Net loans and leases to deposits | 83.4652% | 2,050 |
| Net loans and leases to core deposits | 85.6651% | 2,464 |
| Total domestic deposits to total assets | 86.7386% | 1,717 |
| Equity capital to assets | 8.8387% | 4,220 |
| Core capital (leverage) ratio | 8.6772% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,225,000 | 2,376 |
| Average earning assets | $250,464,000 | 2,420 |
| Average equity | $25,255,000 | 2,762 |
| Average total loans | $208,260,667 | 2,160 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 1,629 |
| Cost of funding earning assets | 1.0642% | 1,169 |
| Net interest margin | 3.6620% | 2,461 |
| Noninterest income to average assets | 0.6088% | 2,007 |
| Noninterest expense to average assets | 2.9592% | 1,988 |
| Loan and lease loss provision to assets | 0.1666% | 1,757 |
| Net operating income to assets | 0.6557% | 3,433 |
| Return on assets (ROA) | 0.6542% | 3,499 |
| Pretax return on assets | 0.8011% | 3,413 |
| Return on Equity (ROE) | 6.9851% | 2,956 |
| Retained earnings to average equity (ytd only) | 3.7512% | 2,783 |
| Net charge-offs to loans | 0.0039% | 2,438 |
| Credit loss provision to net charge-offs | 5,500.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 221 |
| Efficiency ratio | 75.3277% | 1,641 |
| Assets per employee ($millions) | 4.2416% | 3,606 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,317 |
| Loan loss allowance to noncurrent loans | 339.4980% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 748 |
| Noncurrent loans to loans | 0.3722% | 3,151 |
| Net loans and leases to total assets | 75.1460% | 1,433 |
| Net loans and leases to deposits | 87.3145% | 1,827 |
| Net loans and leases to core deposits | 89.8891% | 2,356 |
| Total domestic deposits to total assets | 86.0636% | 1,976 |
| Equity capital to assets | 9.2418% | 4,440 |
| Core capital (leverage) ratio | 9.3229% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,128,000 | 2,401 |
| Average earning assets | $239,431,000 | 2,448 |
| Average equity | $24,738,500 | 2,793 |
| Average total loans | $203,263,000 | 2,157 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 1,940 |
| Cost of funding earning assets | 1.1552% | 1,142 |
| Net interest margin | 3.6792% | 2,876 |
| Noninterest income to average assets | 0.6230% | 2,117 |
| Noninterest expense to average assets | 2.7626% | 2,713 |
| Loan and lease loss provision to assets | 0.2464% | 755 |
| Net operating income to assets | 0.7620% | 3,664 |
| Return on assets (ROA) | 0.7609% | 3,748 |
| Pretax return on assets | 0.9421% | 3,626 |
| Return on Equity (ROE) | 8.4330% | 2,968 |
| Retained earnings to average equity (ytd only) | 4.6757% | 2,601 |
| Net charge-offs to loans | 0.2052% | 1,001 |
| Credit loss provision to net charge-offs | 153.5211% | 1,664 |
| Earnings coverage of net charge-offs (x) | 7.4131% | 2,879 |
| Efficiency ratio | 69.9009% | 2,184 |
| Assets per employee ($millions) | 3.9551% | 3,958 |
| Cash dividends to net income (ytd only)* | 44.5545% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,365 |
| Loan loss allowance to noncurrent loans | 321.8301% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5393% | 650 |
| Noncurrent loans to loans | 0.3766% | 3,092 |
| Net loans and leases to total assets | 76.8816% | 1,279 |
| Net loans and leases to deposits | 89.6061% | 1,641 |
| Net loans and leases to core deposits | 92.2330% | 2,214 |
| Total domestic deposits to total assets | 85.7996% | 2,140 |
| Equity capital to assets | 9.4934% | 4,357 |
| Core capital (leverage) ratio | 9.1251% | 4,424 |
| Tier 1 risk-based capital ratio | 10.7857% | 4,934 |
| Total risk-based capital ratio | 11.8678% | 4,904 |
| Memoranda: | ||
| Average total assets | $265,473,200 | 2,357 |
| Average earning assets | $240,218,000 | 2,409 |
| Average equity | $23,953,400 | 2,800 |
| Average total loans | $207,616,000 | 2,111 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 2,218 |
| Cost of funding earning assets | 1.1594% | 1,140 |
| Net interest margin | 3.6103% | 3,220 |
| Noninterest income to average assets | 0.5997% | 2,204 |
| Noninterest expense to average assets | 2.7458% | 2,725 |
| Loan and lease loss provision to assets | 0.2296% | 739 |
| Net operating income to assets | 0.7207% | 3,944 |
| Return on assets (ROA) | 0.7197% | 4,013 |
| Pretax return on assets | 0.8908% | 3,900 |
| Return on Equity (ROE) | 8.0796% | 3,267 |
| Retained earnings to average equity (ytd only) | 4.1493% | 3,331 |
| Net charge-offs to loans | 0.2025% | 861 |
| Credit loss provision to net charge-offs | 144.7950% | 1,680 |
| Earnings coverage of net charge-offs (x) | 7.0725% | 2,778 |
| Efficiency ratio | 71.0036% | 1,971 |
| Assets per employee ($millions) | 4.0766% | 3,795 |
| Cash dividends to net income (ytd only)* | 48.6449% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,957 |
| Loan loss allowance to noncurrent loans | 281.5166% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.5000% | 737 |
| Noncurrent loans to loans | 0.3955% | 3,127 |
| Net loans and leases to total assets | 77.2679% | 1,267 |
| Net loans and leases to deposits | 90.6845% | 1,610 |
| Net loans and leases to core deposits | 92.9868% | 2,268 |
| Total domestic deposits to total assets | 85.2052% | 2,347 |
| Equity capital to assets | 8.9525% | 4,807 |
| Core capital (leverage) ratio | 8.9757% | 4,655 |
| Tier 1 risk-based capital ratio | 10.1660% | 5,161 |
| Total risk-based capital ratio | 11.1659% | 5,160 |
| Memoranda: | ||
| Average total assets | $266,582,750 | 2,366 |
| Average earning assets | $241,269,750 | 2,415 |
| Average equity | $23,746,500 | 2,830 |
| Average total loans | $208,732,500 | 2,115 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 2,267 |
| Cost of funding earning assets | 1.1573% | 1,115 |
| Net interest margin | 3.5753% | 3,351 |
| Noninterest income to average assets | 0.6293% | 2,024 |
| Noninterest expense to average assets | 2.7110% | 2,870 |
| Loan and lease loss provision to assets | 0.3018% | 458 |
| Net operating income to assets | 0.6876% | 4,043 |
| Return on assets (ROA) | 0.6868% | 4,100 |
| Pretax return on assets | 0.8548% | 3,959 |
| Return on Equity (ROE) | 7.7239% | 3,412 |
| Retained earnings to average equity (ytd only) | 1.7694% | 4,182 |
| Net charge-offs to loans | 0.0463% | 1,986 |
| Credit loss provision to net charge-offs | 831.2500% | 412 |
| Earnings coverage of net charge-offs (x) | 31.8750% | 1,417 |
| Efficiency ratio | 70.0821% | 2,212 |
| Assets per employee ($millions) | 4.0099% | 3,848 |
| Cash dividends to net income (ytd only)* | 77.0925% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,243 |
| Loan loss allowance to noncurrent loans | 310.2041% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.5893% | 684 |
| Noncurrent loans to loans | 0.4033% | 3,088 |
| Net loans and leases to total assets | 77.0589% | 1,378 |
| Net loans and leases to deposits | 90.6476% | 1,671 |
| Net loans and leases to core deposits | 92.6132% | 2,356 |
| Total domestic deposits to total assets | 85.0094% | 2,474 |
| Equity capital to assets | 9.0115% | 4,790 |
| Core capital (leverage) ratio | 8.9310% | 4,690 |
| Tier 1 risk-based capital ratio | 10.2110% | 5,195 |
| Total risk-based capital ratio | 11.3278% | 5,158 |
| Memoranda: | ||
| Average total assets | $264,400,670 | 2,388 |
| Average earning assets | $239,529,670 | 2,436 |
| Average equity | $23,511,330 | 2,843 |
| Average total loans | $207,171,000 | 2,138 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 2,314 |
| Cost of funding earning assets | 1.1249% | 1,107 |
| Net interest margin | 3.5466% | 3,442 |
| Noninterest income to average assets | 0.5918% | 2,082 |
| Noninterest expense to average assets | 2.6926% | 2,926 |
| Loan and lease loss provision to assets | 0.3315% | 372 |
| Net operating income to assets | 0.6206% | 4,178 |
| Return on assets (ROA) | 0.6191% | 4,226 |
| Pretax return on assets | 0.7825% | 4,089 |
| Return on Equity (ROE) | 7.0087% | 3,678 |
| Retained earnings to average equity (ytd only) | 7.0087% | 2,037 |
| Net charge-offs to loans | 0.0096% | 2,348 |
| Credit loss provision to net charge-offs | 4,380.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 147.4000% | 509 |
| Efficiency ratio | 70.7075% | 2,238 |
| Assets per employee ($millions) | 4.1501% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 2,662 |
| Loan loss allowance to noncurrent loans | 281.3793% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 1,184 |
| Noncurrent loans to loans | 0.4212% | 3,081 |
| Net loans and leases to total assets | 76.8411% | 1,337 |
| Net loans and leases to deposits | 92.4422% | 1,352 |
| Net loans and leases to core deposits | 94.7802% | 2,051 |
| Total domestic deposits to total assets | 83.1234% | 3,345 |
| Equity capital to assets | 8.9046% | 4,747 |
| Core capital (leverage) ratio | 9.0990% | 4,574 |
| Tier 1 risk-based capital ratio | 10.4350% | 5,188 |
| Total risk-based capital ratio | 11.5102% | 5,173 |
| Memoranda: | ||
| Average total assets | $264,275,000 | 2,407 |
| Average earning assets | $239,664,000 | 2,456 |
| Average equity | $23,342,500 | 2,853 |
| Average total loans | $207,495,500 | 2,152 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 2,497 |
| Cost of funding earning assets | 0.7045% | 2,064 |
| Net interest margin | 3.7831% | 2,734 |
| Noninterest income to average assets | 0.5106% | 2,771 |
| Noninterest expense to average assets | 2.9448% | 2,205 |
| Loan and lease loss provision to assets | 0.2419% | 721 |
| Net operating income to assets | 0.6118% | 4,379 |
| Return on assets (ROA) | 0.6113% | 4,390 |
| Pretax return on assets | 0.7566% | 4,277 |
| Return on Equity (ROE) | 6.7454% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.0580% | 3,330 |
| Net charge-offs to loans | 0.1011% | 1,749 |
| Credit loss provision to net charge-offs | 302.5381% | 1,022 |
| Earnings coverage of net charge-offs (x) | 12.4924% | 2,526 |
| Efficiency ratio | 74.6706% | 1,540 |
| Assets per employee ($millions) | 3.8669% | 4,080 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,261 |
| Loan loss allowance to noncurrent loans | 224.9748% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 1,051 |
| Noncurrent loans to loans | 0.4764% | 2,844 |
| Net loans and leases to total assets | 78.4252% | 1,197 |
| Net loans and leases to deposits | 96.6154% | 1,015 |
| Net loans and leases to core deposits | 99.9772% | 1,718 |
| Total domestic deposits to total assets | 81.1726% | 3,851 |
| Equity capital to assets | 8.7600% | 4,758 |
| Core capital (leverage) ratio | 9.2714% | 4,380 |
| Tier 1 risk-based capital ratio | 10.1096% | 5,276 |
| Total risk-based capital ratio | 11.0768% | 5,300 |
| Memoranda: | ||
| Average total assets | $246,364,600 | 2,496 |
| Average earning assets | $223,573,400 | 2,531 |
| Average equity | $22,326,400 | 2,879 |
| Average total loans | $194,914,600 | 2,209 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,608 |
| Cost of funding earning assets | 0.6479% | 2,161 |
| Net interest margin | 3.7586% | 2,797 |
| Noninterest income to average assets | 0.5235% | 2,722 |
| Noninterest expense to average assets | 3.0374% | 1,909 |
| Loan and lease loss provision to assets | 0.2565% | 606 |
| Net operating income to assets | 0.5335% | 4,691 |
| Return on assets (ROA) | 0.5328% | 4,694 |
| Pretax return on assets | 0.6424% | 4,649 |
| Return on Equity (ROE) | 5.8269% | 4,311 |
| Retained earnings to average equity (ytd only) | 2.8171% | 4,308 |
| Net charge-offs to loans | 0.0905% | 1,597 |
| Credit loss provision to net charge-offs | 358.4615% | 877 |
| Earnings coverage of net charge-offs (x) | 12.5691% | 2,443 |
| Efficiency ratio | 77.1532% | 1,210 |
| Assets per employee ($millions) | 3.7347% | 4,256 |
| Cash dividends to net income (ytd only)* | 51.6531% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,152 |
| Loan loss allowance to noncurrent loans | 189.9388% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 867 |
| Noncurrent loans to loans | 0.5823% | 2,635 |
| Net loans and leases to total assets | 78.7502% | 1,207 |
| Net loans and leases to deposits | 90.9851% | 1,761 |
| Net loans and leases to core deposits | 92.9896% | 2,394 |
| Total domestic deposits to total assets | 86.5529% | 1,949 |
| Equity capital to assets | 9.0538% | 4,504 |
| Core capital (leverage) ratio | 9.2958% | 4,407 |
| Tier 1 risk-based capital ratio | 10.5448% | 5,225 |
| Total risk-based capital ratio | 11.5440% | 5,224 |
| Memoranda: | ||
| Average total assets | $242,219,250 | 2,537 |
| Average earning assets | $219,971,000 | 2,576 |
| Average equity | $22,149,500 | 2,902 |
| Average total loans | $191,530,750 | 2,246 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,691 |
| Cost of funding earning assets | 0.6111% | 2,155 |
| Net interest margin | 3.7123% | 2,879 |
| Noninterest income to average assets | 0.4983% | 2,878 |
| Noninterest expense to average assets | 3.1130% | 1,748 |
| Loan and lease loss provision to assets | 0.2824% | 502 |
| Net operating income to assets | 0.4195% | 4,922 |
| Return on assets (ROA) | 0.4194% | 4,927 |
| Pretax return on assets | 0.4734% | 4,948 |
| Return on Equity (ROE) | 4.5714% | 4,674 |
| Retained earnings to average equity (ytd only) | 0.0453% | 4,949 |
| Net charge-offs to loans | 0.1579% | 979 |
| Credit loss provision to net charge-offs | 226.6667% | 1,204 |
| Earnings coverage of net charge-offs (x) | 6.0667% | 2,659 |
| Efficiency ratio | 80.4637% | 965 |
| Assets per employee ($millions) | 3.6294% | 4,426 |
| Cash dividends to net income (ytd only)* | 99.0099% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,480 |
| Loan loss allowance to noncurrent loans | 176.7016% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 813 |
| Noncurrent loans to loans | 0.6000% | 2,620 |
| Net loans and leases to total assets | 77.7118% | 1,361 |
| Net loans and leases to deposits | 88.6607% | 2,021 |
| Net loans and leases to core deposits | 90.6220% | 2,520 |
| Total domestic deposits to total assets | 87.6508% | 1,563 |
| Equity capital to assets | 9.0199% | 4,544 |
| Core capital (leverage) ratio | 9.2617% | 4,402 |
| Tier 1 risk-based capital ratio | 10.5562% | 5,247 |
| Total risk-based capital ratio | 11.5085% | 5,275 |
| Memoranda: | ||
| Average total assets | $240,795,000 | 2,555 |
| Average earning assets | $218,626,000 | 2,596 |
| Average equity | $22,093,670 | 2,917 |
| Average total loans | $189,946,330 | 2,266 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,679 |
| Cost of funding earning assets | 0.5654% | 2,278 |
| Net interest margin | 3.6916% | 2,834 |
| Noninterest income to average assets | 0.5192% | 2,689 |
| Noninterest expense to average assets | 3.2470% | 1,462 |
| Loan and lease loss provision to assets | 0.3255% | 382 |
| Net operating income to assets | 0.2490% | 5,182 |
| Return on assets (ROA) | 0.2504% | 5,181 |
| Pretax return on assets | 0.3055% | 5,163 |
| Return on Equity (ROE) | 2.7059% | 5,071 |
| Retained earnings to average equity (ytd only) | 2.7059% | 4,092 |
| Net charge-offs to loans | 0.0253% | 2,000 |
| Credit loss provision to net charge-offs | 1,625.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 31.4167% | 1,213 |
| Efficiency ratio | 83.7640% | 814 |
| Assets per employee ($millions) | 3.8128% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,598 |
| Loan loss allowance to noncurrent loans | 68.1066% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.9829% | 579 |
| Noncurrent loans to loans | 1.5575% | 1,124 |
| Net loans and leases to total assets | 78.3602% | 1,182 |
| Net loans and leases to deposits | 89.1209% | 1,797 |
| Net loans and leases to core deposits | 91.3798% | 2,345 |
| Total domestic deposits to total assets | 87.9258% | 1,664 |
| Equity capital to assets | 9.2129% | 4,351 |
| Core capital (leverage) ratio | 9.2182% | 4,409 |
| Tier 1 risk-based capital ratio | 10.4045% | 5,378 |
| Total risk-based capital ratio | 11.3544% | 5,404 |
| Memoranda: | ||
| Average total assets | $239,606,000 | 2,591 |
| Average earning assets | $217,900,500 | 2,630 |
| Average equity | $22,173,500 | 2,943 |
| Average total loans | $189,420,000 | 2,281 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 3,083 |
| Cost of funding earning assets | 0.4533% | 2,746 |
| Net interest margin | 3.6398% | 3,026 |
| Noninterest income to average assets | 0.7956% | 1,578 |
| Noninterest expense to average assets | 3.0152% | 2,132 |
| Loan and lease loss provision to assets | 0.3336% | 498 |
| Net operating income to assets | 0.4982% | 4,382 |
| Return on assets (ROA) | 0.5112% | 4,381 |
| Pretax return on assets | 0.7704% | 4,332 |
| Return on Equity (ROE) | 5.4496% | 3,987 |
| Retained earnings to average equity (ytd only) | 2.7134% | 3,689 |
| Net charge-offs to loans | 0.4255% | 580 |
| Credit loss provision to net charge-offs | 100.2571% | 2,552 |
| Earnings coverage of net charge-offs (x) | 3.2584% | 3,635 |
| Efficiency ratio | 73.5497% | 1,968 |
| Assets per employee ($millions) | 3.6213% | 4,538 |
| Cash dividends to net income (ytd only)* | 50.2092% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 4,090 |
| Loan loss allowance to noncurrent loans | 67.5875% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.9184% | 611 |
| Noncurrent loans to loans | 1.4396% | 1,189 |
| Net loans and leases to total assets | 78.1407% | 1,271 |
| Net loans and leases to deposits | 88.7909% | 1,922 |
| Net loans and leases to core deposits | 91.7492% | 2,394 |
| Total domestic deposits to total assets | 88.0053% | 1,498 |
| Equity capital to assets | 9.2956% | 4,433 |
| Core capital (leverage) ratio | 9.1286% | 4,487 |
| Tier 1 risk-based capital ratio | 10.5273% | 5,362 |
| Total risk-based capital ratio | 11.4073% | 5,422 |
| Memoranda: | ||
| Average total assets | $233,780,200 | 2,613 |
| Average earning assets | $212,208,800 | 2,642 |
| Average equity | $21,928,400 | 2,964 |
| Average total loans | $182,831,400 | 2,295 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,162 |
| Cost of funding earning assets | 0.4343% | 2,860 |
| Net interest margin | 3.6196% | 3,070 |
| Noninterest income to average assets | 0.7410% | 1,827 |
| Noninterest expense to average assets | 3.0087% | 2,087 |
| Loan and lease loss provision to assets | 0.3355% | 447 |
| Net operating income to assets | 0.4820% | 4,784 |
| Return on assets (ROA) | 0.5007% | 4,765 |
| Pretax return on assets | 0.7072% | 4,592 |
| Return on Equity (ROE) | 5.3256% | 4,403 |
| Retained earnings to average equity (ytd only) | 2.2754% | 4,502 |
| Net charge-offs to loans | 0.4219% | 496 |
| Credit loss provision to net charge-offs | 101.9164% | 2,241 |
| Earnings coverage of net charge-offs (x) | 3.0871% | 3,380 |
| Efficiency ratio | 74.7506% | 1,783 |
| Assets per employee ($millions) | 3.7909% | 4,318 |
| Cash dividends to net income (ytd only)* | 57.2738% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 4,202 |
| Loan loss allowance to noncurrent loans | 75.1426% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.8105% | 761 |
| Noncurrent loans to loans | 1.2995% | 1,470 |
| Net loans and leases to total assets | 78.2982% | 1,228 |
| Net loans and leases to deposits | 88.1077% | 2,043 |
| Net loans and leases to core deposits | 91.0055% | 2,527 |
| Total domestic deposits to total assets | 88.8665% | 941 |
| Equity capital to assets | 9.2824% | 4,659 |
| Core capital (leverage) ratio | 9.1119% | 4,623 |
| Tier 1 risk-based capital ratio | 10.4603% | 5,463 |
| Total risk-based capital ratio | 11.3493% | 5,530 |
| Memoranda: | ||
| Average total assets | $232,473,750 | 2,642 |
| Average earning assets | $210,919,750 | 2,673 |
| Average equity | $21,856,250 | 2,990 |
| Average total loans | $181,390,250 | 2,318 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,141 |
| Cost of funding earning assets | 0.4151% | 2,929 |
| Net interest margin | 3.6041% | 3,019 |
| Noninterest income to average assets | 0.6868% | 2,050 |
| Noninterest expense to average assets | 3.0101% | 2,078 |
| Loan and lease loss provision to assets | 0.3386% | 432 |
| Net operating income to assets | 0.3919% | 4,993 |
| Return on assets (ROA) | 0.4037% | 5,002 |
| Pretax return on assets | 0.6208% | 4,760 |
| Return on Equity (ROE) | 4.2755% | 4,740 |
| Retained earnings to average equity (ytd only) | -0.3218% | 5,127 |
| Net charge-offs to loans | 0.4282% | 475 |
| Credit loss provision to net charge-offs | 101.8277% | 1,983 |
| Earnings coverage of net charge-offs (x) | 2.8303% | 3,116 |
| Efficiency ratio | 76.1811% | 1,697 |
| Assets per employee ($millions) | 3.5883% | 4,595 |
| Cash dividends to net income (ytd only)* | 107.5269% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 4,248 |
| Loan loss allowance to noncurrent loans | 79.5160% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7675% | 790 |
| Noncurrent loans to loans | 1.2372% | 1,568 |
| Net loans and leases to total assets | 78.1998% | 1,218 |
| Net loans and leases to deposits | 87.2173% | 2,077 |
| Net loans and leases to core deposits | 90.0778% | 2,517 |
| Total domestic deposits to total assets | 89.6609% | 658 |
| Equity capital to assets | 9.2134% | 4,710 |
| Core capital (leverage) ratio | 9.1690% | 4,530 |
| Tier 1 risk-based capital ratio | 10.1272% | 5,597 |
| Total risk-based capital ratio | 11.0026% | 5,652 |
| Memoranda: | ||
| Average total assets | $230,355,670 | 2,677 |
| Average earning assets | $208,649,000 | 2,715 |
| Average equity | $21,752,000 | 3,004 |
| Average total loans | $178,906,330 | 2,353 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 3,473 |
| Cost of funding earning assets | 0.4038% | 2,959 |
| Net interest margin | 3.4743% | 3,376 |
| Noninterest income to average assets | 0.7062% | 1,937 |
| Noninterest expense to average assets | 3.0310% | 2,077 |
| Loan and lease loss provision to assets | 0.3434% | 353 |
| Net operating income to assets | 0.3188% | 5,146 |
| Return on assets (ROA) | 0.3188% | 5,174 |
| Pretax return on assets | 0.4685% | 5,021 |
| Return on Equity (ROE) | 3.3336% | 5,009 |
| Retained earnings to average equity (ytd only) | 1.4919% | 4,504 |
| Net charge-offs to loans | 0.5445% | 328 |
| Credit loss provision to net charge-offs | 81.9328% | 1,749 |
| Earnings coverage of net charge-offs (x) | 1.9370% | 2,661 |
| Efficiency ratio | 78.8726% | 1,505 |
| Assets per employee ($millions) | 3.8089% | 4,333 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 4,179 |
| Loan loss allowance to noncurrent loans | 69.5956% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0543% | 638 |
| Noncurrent loans to loans | 1.4615% | 1,377 |
| Net loans and leases to total assets | 74.9739% | 1,580 |
| Net loans and leases to deposits | 84.3065% | 2,249 |
| Net loans and leases to core deposits | 87.0066% | 2,637 |
| Total domestic deposits to total assets | 88.9301% | 1,175 |
| Equity capital to assets | 9.3892% | 4,400 |
| Core capital (leverage) ratio | 9.3865% | 4,245 |
| Tier 1 risk-based capital ratio | 10.4378% | 5,569 |
| Total risk-based capital ratio | 11.3259% | 5,635 |
| Memoranda: | ||
| Average total assets | $227,119,500 | 2,731 |
| Average earning assets | $205,048,000 | 2,777 |
| Average equity | $21,718,000 | 3,009 |
| Average total loans | $174,840,000 | 2,410 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 3,363 |
| Cost of funding earning assets | 0.4134% | 2,877 |
| Net interest margin | 3.5416% | 3,279 |
| Noninterest income to average assets | 0.7902% | 1,781 |
| Noninterest expense to average assets | 2.9010% | 2,665 |
| Loan and lease loss provision to assets | 0.2733% | 735 |
| Net operating income to assets | 0.5172% | 4,561 |
| Return on assets (ROA) | 0.5352% | 4,588 |
| Pretax return on assets | 0.8448% | 4,032 |
| Return on Equity (ROE) | 5.3094% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.8420% | 2,449 |
| Net charge-offs to loans | 0.4336% | 591 |
| Credit loss provision to net charge-offs | 82.0368% | 2,943 |
| Earnings coverage of net charge-offs (x) | 3.2716% | 3,697 |
| Efficiency ratio | 72.6919% | 2,476 |
| Assets per employee ($millions) | 3.8258% | 4,257 |
| Cash dividends to net income (ytd only)* | 8.8028% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,979 |
| Loan loss allowance to noncurrent loans | 62.7310% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.3998% | 512 |
| Noncurrent loans to loans | 1.6823% | 1,145 |
| Net loans and leases to total assets | 77.4509% | 1,288 |
| Net loans and leases to deposits | 88.1552% | 1,905 |
| Net loans and leases to core deposits | 90.1855% | 2,482 |
| Total domestic deposits to total assets | 87.8575% | 1,707 |
| Equity capital to assets | 9.7437% | 4,013 |
| Core capital (leverage) ratio | 9.7147% | 3,836 |
| Tier 1 risk-based capital ratio | 10.6574% | 5,504 |
| Total risk-based capital ratio | 11.5896% | 5,582 |
| Memoranda: | ||
| Average total assets | $212,237,600 | 2,836 |
| Average earning assets | $191,806,800 | 2,878 |
| Average equity | $21,396,000 | 3,034 |
| Average total loans | $163,060,800 | 2,488 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,463 |
| Cost of funding earning assets | 0.4196% | 2,844 |
| Net interest margin | 3.5188% | 3,399 |
| Noninterest income to average assets | 0.7269% | 2,053 |
| Noninterest expense to average assets | 2.9071% | 2,623 |
| Loan and lease loss provision to assets | 0.2288% | 883 |
| Net operating income to assets | 0.4924% | 4,724 |
| Return on assets (ROA) | 0.5160% | 4,743 |
| Pretax return on assets | 0.8089% | 4,282 |
| Return on Equity (ROE) | 5.0733% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.4486% | 3,163 |
| Net charge-offs to loans | 0.4223% | 510 |
| Credit loss provision to net charge-offs | 70.8661% | 2,778 |
| Earnings coverage of net charge-offs (x) | 3.1004% | 3,467 |
| Efficiency ratio | 74.3902% | 2,205 |
| Assets per employee ($millions) | 3.6574% | 4,560 |
| Cash dividends to net income (ytd only)* | 12.3153% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,735 |
| Loan loss allowance to noncurrent loans | 49.3464% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.7214% | 472 |
| Noncurrent loans to loans | 2.2690% | 817 |
| Net loans and leases to total assets | 75.4344% | 1,630 |
| Net loans and leases to deposits | 84.7307% | 2,399 |
| Net loans and leases to core deposits | 86.7481% | 2,881 |
| Total domestic deposits to total assets | 89.0284% | 894 |
| Equity capital to assets | 10.2701% | 3,835 |
| Core capital (leverage) ratio | 9.7785% | 3,834 |
| Tier 1 risk-based capital ratio | 10.9948% | 5,372 |
| Total risk-based capital ratio | 11.9604% | 5,428 |
| Memoranda: | ||
| Average total assets | $209,822,500 | 2,871 |
| Average earning assets | $189,683,500 | 2,911 |
| Average equity | $21,339,750 | 3,060 |
| Average total loans | $160,402,250 | 2,518 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 3,333 |
| Cost of funding earning assets | 0.4230% | 2,804 |
| Net interest margin | 3.5509% | 3,292 |
| Noninterest income to average assets | 0.6659% | 2,304 |
| Noninterest expense to average assets | 2.8328% | 2,907 |
| Loan and lease loss provision to assets | 0.2296% | 880 |
| Net operating income to assets | 0.4983% | 4,687 |
| Return on assets (ROA) | 0.5338% | 4,657 |
| Pretax return on assets | 0.8629% | 4,073 |
| Return on Equity (ROE) | 5.2664% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.3226% | 3,170 |
| Net charge-offs to loans | 0.0063% | 3,470 |
| Credit loss provision to net charge-offs | 4,800.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 216.8000% | 301 |
| Efficiency ratio | 73.2015% | 2,479 |
| Assets per employee ($millions) | 3.7072% | 4,430 |
| Cash dividends to net income (ytd only)* | 17.9211% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 2,435 |
| Loan loss allowance to noncurrent loans | 51.0228% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 3.0561% | 394 |
| Noncurrent loans to loans | 2.6853% | 609 |
| Net loans and leases to total assets | 74.7749% | 1,690 |
| Net loans and leases to deposits | 83.8649% | 2,483 |
| Net loans and leases to core deposits | 85.7896% | 2,921 |
| Total domestic deposits to total assets | 89.1611% | 842 |
| Equity capital to assets | 10.1844% | 3,994 |
| Core capital (leverage) ratio | 9.8276% | 3,780 |
| Tier 1 risk-based capital ratio | 11.3156% | 5,271 |
| Total risk-based capital ratio | 12.5345% | 5,185 |
| Memoranda: | ||
| Average total assets | $209,053,330 | 2,895 |
| Average earning assets | $188,630,330 | 2,945 |
| Average equity | $21,191,000 | 3,075 |
| Average total loans | $159,926,000 | 2,532 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,355 |
| Cost of funding earning assets | 0.4279% | 2,783 |
| Net interest margin | 3.5343% | 3,343 |
| Noninterest income to average assets | 0.5675% | 2,696 |
| Noninterest expense to average assets | 2.7164% | 3,359 |
| Loan and lease loss provision to assets | 0.2309% | 796 |
| Net operating income to assets | 0.4999% | 4,628 |
| Return on assets (ROA) | 0.5540% | 4,499 |
| Pretax return on assets | 0.8984% | 3,848 |
| Return on Equity (ROE) | 5.4789% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.4789% | 2,670 |
| Net charge-offs to loans | -0.0050% | 4,292 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2251% | 2,766 |
| Assets per employee ($millions) | 3.6104% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,869 |
| Loan loss allowance to noncurrent loans | 47.8621% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 3.1507% | 389 |
| Noncurrent loans to loans | 2.7289% | 643 |
| Net loans and leases to total assets | 76.4472% | 1,324 |
| Net loans and leases to deposits | 85.7711% | 2,084 |
| Net loans and leases to core deposits | 87.8154% | 2,585 |
| Total domestic deposits to total assets | 89.1294% | 1,033 |
| Equity capital to assets | 10.3269% | 3,715 |
| Core capital (leverage) ratio | 9.8657% | 3,705 |
| Tier 1 risk-based capital ratio | 11.4110% | 5,275 |
| Total risk-based capital ratio | 12.5756% | 5,234 |
| Memoranda: | ||
| Average total assets | $207,923,500 | 2,911 |
| Average earning assets | $187,873,000 | 2,961 |
| Average equity | $21,026,000 | 3,095 |
| Average total loans | $159,787,000 | 2,530 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,343 |
| Cost of funding earning assets | 0.4501% | 2,627 |
| Net interest margin | 3.5412% | 3,368 |
| Noninterest income to average assets | 0.6002% | 2,712 |
| Noninterest expense to average assets | 2.8434% | 3,058 |
| Loan and lease loss provision to assets | 0.2336% | 841 |
| Net operating income to assets | 0.4796% | 4,768 |
| Return on assets (ROA) | 0.4924% | 4,813 |
| Pretax return on assets | 0.7424% | 4,392 |
| Return on Equity (ROE) | 4.8581% | 4,575 |
| Retained earnings to average equity (ytd only) | 1.0403% | 5,103 |
| Net charge-offs to loans | 0.3067% | 981 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 4.0952% | 3,608 |
| Efficiency ratio | 74.8250% | 2,454 |
| Assets per employee ($millions) | 3.5602% | 4,703 |
| Cash dividends to net income (ytd only)* | 78.5855% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 3,336 |
| Loan loss allowance to noncurrent loans | 58.9474% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.5989% | 577 |
| Noncurrent loans to loans | 2.0759% | 991 |
| Net loans and leases to total assets | 75.3183% | 1,521 |
| Net loans and leases to deposits | 86.1653% | 2,115 |
| Net loans and leases to core deposits | 88.3331% | 2,570 |
| Total domestic deposits to total assets | 87.4113% | 1,921 |
| Equity capital to assets | 9.9022% | 4,069 |
| Core capital (leverage) ratio | 9.6030% | 4,041 |
| Tier 1 risk-based capital ratio | 10.8431% | 5,605 |
| Total risk-based capital ratio | 11.9062% | 5,616 |
| Memoranda: | ||
| Average total assets | $206,762,200 | 2,883 |
| Average earning assets | $186,827,200 | 2,922 |
| Average equity | $20,954,600 | 3,076 |
| Average total loans | $157,463,800 | 2,498 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,327 |
| Cost of funding earning assets | 0.4560% | 2,628 |
| Net interest margin | 3.5466% | 3,352 |
| Noninterest income to average assets | 0.5982% | 2,751 |
| Noninterest expense to average assets | 2.8364% | 3,053 |
| Loan and lease loss provision to assets | 0.2609% | 636 |
| Net operating income to assets | 0.4676% | 4,906 |
| Return on assets (ROA) | 0.4856% | 4,936 |
| Pretax return on assets | 0.7309% | 4,567 |
| Return on Equity (ROE) | 4.7633% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.7633% | 3,079 |
| Net charge-offs to loans | 0.3138% | 848 |
| Credit loss provision to net charge-offs | 109.2141% | 2,125 |
| Earnings coverage of net charge-offs (x) | 4.0379% | 3,409 |
| Efficiency ratio | 74.6210% | 2,454 |
| Assets per employee ($millions) | 3.6396% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 3,122 |
| Loan loss allowance to noncurrent loans | 79.1270% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.2434% | 835 |
| Noncurrent loans to loans | 1.6373% | 1,505 |
| Net loans and leases to total assets | 73.2313% | 1,865 |
| Net loans and leases to deposits | 82.3390% | 2,605 |
| Net loans and leases to core deposits | 84.2775% | 3,014 |
| Total domestic deposits to total assets | 88.9388% | 1,056 |
| Equity capital to assets | 10.3333% | 3,776 |
| Core capital (leverage) ratio | 9.8498% | 3,835 |
| Tier 1 risk-based capital ratio | 11.2524% | 5,517 |
| Total risk-based capital ratio | 12.3521% | 5,497 |
| Memoranda: | ||
| Average total assets | $205,939,250 | 2,910 |
| Average earning assets | $185,978,000 | 2,953 |
| Average equity | $20,993,250 | 3,095 |
| Average total loans | $156,787,500 | 2,522 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,240 |
| Cost of funding earning assets | 0.4574% | 2,637 |
| Net interest margin | 3.5537% | 3,271 |
| Noninterest income to average assets | 0.6299% | 2,581 |
| Noninterest expense to average assets | 2.7357% | 3,468 |
| Loan and lease loss provision to assets | 0.3125% | 468 |
| Net operating income to assets | 0.5260% | 4,664 |
| Return on assets (ROA) | 0.5530% | 4,656 |
| Pretax return on assets | 0.8373% | 4,178 |
| Return on Equity (ROE) | 5.4497% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.4497% | 2,566 |
| Net charge-offs to loans | 0.1876% | 1,332 |
| Credit loss provision to net charge-offs | 216.8919% | 1,149 |
| Earnings coverage of net charge-offs (x) | 7.6959% | 2,646 |
| Efficiency ratio | 71.1573% | 3,136 |
| Assets per employee ($millions) | 3.7854% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 2,937 |
| Loan loss allowance to noncurrent loans | 69.7971% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.4441% | 784 |
| Noncurrent loans to loans | 1.9476% | 1,272 |
| Net loans and leases to total assets | 75.7180% | 1,404 |
| Net loans and leases to deposits | 84.9773% | 2,192 |
| Net loans and leases to core deposits | 87.3444% | 2,624 |
| Total domestic deposits to total assets | 89.1038% | 1,098 |
| Equity capital to assets | 10.3116% | 3,677 |
| Core capital (leverage) ratio | 9.7554% | 3,933 |
| Tier 1 risk-based capital ratio | 11.0086% | 5,705 |
| Total risk-based capital ratio | 12.1867% | 5,658 |
| Memoranda: | ||
| Average total assets | $205,434,000 | 2,942 |
| Average earning assets | $185,835,670 | 2,981 |
| Average equity | $20,845,330 | 3,126 |
| Average total loans | $157,744,670 | 2,509 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 3,344 |
| Cost of funding earning assets | 0.4522% | 2,750 |
| Net interest margin | 3.5169% | 3,363 |
| Noninterest income to average assets | 0.6235% | 2,533 |
| Noninterest expense to average assets | 2.5677% | 4,039 |
| Loan and lease loss provision to assets | 0.3904% | 307 |
| Net operating income to assets | 0.5638% | 4,434 |
| Return on assets (ROA) | 0.6176% | 4,300 |
| Pretax return on assets | 0.9342% | 3,765 |
| Return on Equity (ROE) | 6.1363% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.1363% | 2,409 |
| Net charge-offs to loans | 0.0910% | 1,809 |
| Credit loss provision to net charge-offs | 558.3333% | 498 |
| Earnings coverage of net charge-offs (x) | 17.7778% | 1,510 |
| Efficiency ratio | 67.3802% | 3,925 |
| Assets per employee ($millions) | 3.8190% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 3,263 |
| Loan loss allowance to noncurrent loans | 58.8757% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 849 |
| Noncurrent loans to loans | 2.2539% | 1,108 |
| Net loans and leases to total assets | 76.6573% | 1,113 |
| Net loans and leases to deposits | 87.0351% | 1,719 |
| Net loans and leases to core deposits | 89.4583% | 2,180 |
| Total domestic deposits to total assets | 88.0762% | 1,777 |
| Equity capital to assets | 10.1558% | 3,936 |
| Core capital (leverage) ratio | 9.6520% | 4,073 |
| Tier 1 risk-based capital ratio | 10.8758% | 5,864 |
| Total risk-based capital ratio | 12.0507% | 5,824 |
| Memoranda: | ||
| Average total assets | $205,945,500 | 2,950 |
| Average earning assets | $186,643,000 | 2,977 |
| Average equity | $20,729,000 | 3,163 |
| Average total loans | $158,162,500 | 2,509 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,567 |
| Cost of funding earning assets | 0.5073% | 2,596 |
| Net interest margin | 3.5316% | 3,680 |
| Noninterest income to average assets | 0.3923% | 4,249 |
| Noninterest expense to average assets | 2.8568% | 3,273 |
| Loan and lease loss provision to assets | 0.2112% | 1,181 |
| Net operating income to assets | 0.3469% | 5,387 |
| Return on assets (ROA) | 0.3811% | 5,355 |
| Pretax return on assets | 0.5574% | 5,082 |
| Return on Equity (ROE) | 3.8442% | 5,183 |
| Retained earnings to average equity (ytd only) | 0.4250% | 5,584 |
| Net charge-offs to loans | 0.4491% | 938 |
| Credit loss provision to net charge-offs | 63.4643% | 3,220 |
| Earnings coverage of net charge-offs (x) | 2.1587% | 4,231 |
| Efficiency ratio | 79.9106% | 1,943 |
| Assets per employee ($millions) | 3.8805% | 4,209 |
| Cash dividends to net income (ytd only)* | 88.9454% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 3,690 |
| Loan loss allowance to noncurrent loans | 55.6628% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.7545% | 789 |
| Noncurrent loans to loans | 2.2567% | 1,163 |
| Net loans and leases to total assets | 74.9523% | 1,426 |
| Net loans and leases to deposits | 86.0351% | 1,982 |
| Net loans and leases to core deposits | 88.5925% | 2,432 |
| Total domestic deposits to total assets | 87.1183% | 2,214 |
| Equity capital to assets | 9.9745% | 4,143 |
| Core capital (leverage) ratio | 9.5235% | 4,213 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,580 |
| Total risk-based capital ratio | 12.8065% | 5,540 |
| Memoranda: | ||
| Average total assets | $206,486,400 | 2,917 |
| Average earning assets | $186,093,000 | 2,958 |
| Average equity | $20,472,200 | 3,108 |
| Average total loans | $152,981,200 | 2,531 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,544 |
| Cost of funding earning assets | 0.5149% | 2,610 |
| Net interest margin | 3.5383% | 3,678 |
| Noninterest income to average assets | 0.3658% | 4,500 |
| Noninterest expense to average assets | 2.8796% | 3,196 |
| Loan and lease loss provision to assets | 0.2503% | 863 |
| Net operating income to assets | 0.2872% | 5,630 |
| Return on assets (ROA) | 0.3277% | 5,570 |
| Pretax return on assets | 0.4728% | 5,398 |
| Return on Equity (ROE) | 3.3102% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.3102% | 4,265 |
| Net charge-offs to loans | 0.4590% | 855 |
| Credit loss provision to net charge-offs | 74.0458% | 2,693 |
| Earnings coverage of net charge-offs (x) | 1.9656% | 4,031 |
| Efficiency ratio | 81.2523% | 1,718 |
| Assets per employee ($millions) | 4.0545% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,202 |
| Loan loss allowance to noncurrent loans | 59.0948% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 2.9345% | 819 |
| Noncurrent loans to loans | 2.3604% | 1,265 |
| Net loans and leases to total assets | 70.9703% | 2,030 |
| Net loans and leases to deposits | 79.4767% | 2,775 |
| Net loans and leases to core deposits | 81.9245% | 3,105 |
| Total domestic deposits to total assets | 89.2969% | 1,073 |
| Equity capital to assets | 10.0739% | 4,080 |
| Core capital (leverage) ratio | 9.4344% | 4,457 |
| Tier 1 risk-based capital ratio | 11.7378% | 5,652 |
| Total risk-based capital ratio | 12.9877% | 5,573 |
| Memoranda: | ||
| Average total assets | $206,692,000 | 2,940 |
| Average earning assets | $185,659,250 | 2,988 |
| Average equity | $20,461,750 | 3,120 |
| Average total loans | $152,198,750 | 2,543 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 3,470 |
| Cost of funding earning assets | 0.5216% | 2,624 |
| Net interest margin | 3.5479% | 3,584 |
| Noninterest income to average assets | 0.2797% | 5,188 |
| Noninterest expense to average assets | 2.9188% | 3,104 |
| Loan and lease loss provision to assets | 0.2013% | 1,193 |
| Net operating income to assets | 0.2450% | 5,728 |
| Return on assets (ROA) | 0.2787% | 5,712 |
| Pretax return on assets | 0.3929% | 5,588 |
| Return on Equity (ROE) | 2.8320% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.8320% | 4,400 |
| Net charge-offs to loans | 0.3483% | 1,176 |
| Credit loss provision to net charge-offs | 77.9026% | 2,357 |
| Earnings coverage of net charge-offs (x) | 2.1161% | 3,631 |
| Efficiency ratio | 84.2223% | 1,479 |
| Assets per employee ($millions) | 3.9907% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 3,262 |
| Loan loss allowance to noncurrent loans | 45.0230% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 3.6050% | 634 |
| Noncurrent loans to loans | 3.1464% | 905 |
| Net loans and leases to total assets | 73.6183% | 1,490 |
| Net loans and leases to deposits | 82.4434% | 2,201 |
| Net loans and leases to core deposits | 85.1516% | 2,593 |
| Total domestic deposits to total assets | 89.2956% | 1,204 |
| Equity capital to assets | 10.1364% | 3,923 |
| Core capital (leverage) ratio | 9.4785% | 4,360 |
| Tier 1 risk-based capital ratio | 11.7205% | 5,682 |
| Total risk-based capital ratio | 12.9711% | 5,628 |
| Memoranda: | ||
| Average total assets | $206,662,330 | 2,958 |
| Average earning assets | $185,577,000 | 3,005 |
| Average equity | $20,338,670 | 3,134 |
| Average total loans | $153,322,000 | 2,525 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,259 |
| Cost of funding earning assets | 0.5420% | 2,482 |
| Net interest margin | 3.5626% | 3,418 |
| Noninterest income to average assets | 0.1153% | 6,278 |
| Noninterest expense to average assets | 2.8488% | 3,388 |
| Loan and lease loss provision to assets | 0.1441% | 1,695 |
| Net operating income to assets | 0.2254% | 5,729 |
| Return on assets (ROA) | 0.2881% | 5,584 |
| Pretax return on assets | 0.4053% | 5,440 |
| Return on Equity (ROE) | 2.9713% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.9713% | 4,323 |
| Net charge-offs to loans | 0.6806% | 538 |
| Credit loss provision to net charge-offs | 28.6260% | 2,408 |
| Earnings coverage of net charge-offs (x) | 0.9160% | 3,234 |
| Efficiency ratio | 86.0708% | 1,446 |
| Assets per employee ($millions) | 4.0433% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,019 |
| Loan loss allowance to noncurrent loans | 50.6250% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 3.3248% | 797 |
| Noncurrent loans to loans | 2.6039% | 1,321 |
| Net loans and leases to total assets | 73.5138% | 1,344 |
| Net loans and leases to deposits | 82.1561% | 2,031 |
| Net loans and leases to core deposits | 84.5428% | 2,458 |
| Total domestic deposits to total assets | 89.4806% | 1,376 |
| Equity capital to assets | 9.8672% | 4,001 |
| Core capital (leverage) ratio | 9.3770% | 4,467 |
| Tier 1 risk-based capital ratio | 11.6804% | 5,823 |
| Total risk-based capital ratio | 12.9029% | 5,781 |
| Memoranda: | ||
| Average total assets | $208,231,500 | 2,955 |
| Average earning assets | $186,715,000 | 3,013 |
| Average equity | $20,193,000 | 3,155 |
| Average total loans | $153,991,000 | 2,534 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 3,279 |
| Cost of funding earning assets | 0.7738% | 1,352 |
| Net interest margin | 3.4440% | 4,115 |
| Noninterest income to average assets | 0.5002% | 3,754 |
| Noninterest expense to average assets | 2.8340% | 3,600 |
| Loan and lease loss provision to assets | 0.3202% | 1,029 |
| Net operating income to assets | 0.2799% | 5,592 |
| Return on assets (ROA) | 0.2852% | 5,667 |
| Pretax return on assets | 0.4107% | 5,475 |
| Return on Equity (ROE) | 3.0145% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.0145% | 4,088 |
| Net charge-offs to loans | 1.2978% | 392 |
| Credit loss provision to net charge-offs | 34.2625% | 4,160 |
| Earnings coverage of net charge-offs (x) | 0.7739% | 4,830 |
| Efficiency ratio | 79.6671% | 2,210 |
| Assets per employee ($millions) | 3.8936% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 3,495 |
| Loan loss allowance to noncurrent loans | 46.8942% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 3.6132% | 789 |
| Noncurrent loans to loans | 3.0557% | 1,131 |
| Net loans and leases to total assets | 72.3663% | 1,623 |
| Net loans and leases to deposits | 81.4463% | 2,256 |
| Net loans and leases to core deposits | 84.6183% | 2,597 |
| Total domestic deposits to total assets | 88.8516% | 1,724 |
| Equity capital to assets | 9.5309% | 4,379 |
| Core capital (leverage) ratio | 9.0441% | 4,936 |
| Tier 1 risk-based capital ratio | 11.3215% | 6,012 |
| Total risk-based capital ratio | 12.5722% | 5,948 |
| Memoranda: | ||
| Average total assets | $211,114,200 | 2,904 |
| Average earning assets | $187,397,000 | 2,993 |
| Average equity | $19,970,200 | 3,155 |
| Average total loans | $152,025,600 | 2,533 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 3,426 |
| Cost of funding earning assets | 0.8130% | 1,259 |
| Net interest margin | 3.3768% | 4,372 |
| Noninterest income to average assets | 0.5451% | 3,492 |
| Noninterest expense to average assets | 2.8315% | 3,552 |
| Loan and lease loss provision to assets | 0.3218% | 1,042 |
| Net operating income to assets | 0.2612% | 5,750 |
| Return on assets (ROA) | 0.2612% | 5,849 |
| Pretax return on assets | 0.3767% | 5,690 |
| Return on Equity (ROE) | 2.7665% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.7665% | 4,662 |
| Net charge-offs to loans | 0.7184% | 828 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 1.3566% | 4,386 |
| Efficiency ratio | 80.2145% | 2,062 |
| Assets per employee ($millions) | 3.9763% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1023% | 1,499 |
| Loan loss allowance to noncurrent loans | 52.5427% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 5.6576% | 447 |
| Noncurrent loans to loans | 4.0012% | 878 |
| Net loans and leases to total assets | 69.4627% | 2,053 |
| Net loans and leases to deposits | 77.2323% | 2,787 |
| Net loans and leases to core deposits | 80.0119% | 3,132 |
| Total domestic deposits to total assets | 89.9400% | 1,036 |
| Equity capital to assets | 9.2678% | 4,838 |
| Core capital (leverage) ratio | 8.8812% | 5,276 |
| Tier 1 risk-based capital ratio | 11.0496% | 6,256 |
| Total risk-based capital ratio | 12.3075% | 6,220 |
| Memoranda: | ||
| Average total assets | $211,329,250 | 2,929 |
| Average earning assets | $186,798,000 | 3,026 |
| Average equity | $19,953,000 | 3,189 |
| Average total loans | $151,440,750 | 2,549 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 3,397 |
| Cost of funding earning assets | 0.8464% | 1,156 |
| Net interest margin | 3.3469% | 4,389 |
| Noninterest income to average assets | 0.6470% | 2,930 |
| Noninterest expense to average assets | 2.9077% | 3,302 |
| Loan and lease loss provision to assets | 0.3806% | 842 |
| Net operating income to assets | 0.2226% | 5,834 |
| Return on assets (ROA) | 0.2226% | 5,960 |
| Pretax return on assets | 0.3197% | 5,819 |
| Return on Equity (ROE) | 2.3434% | 5,849 |
| Retained earnings to average equity (ytd only) | 2.3434% | 4,800 |
| Net charge-offs to loans | 0.7371% | 881 |
| Credit loss provision to net charge-offs | 71.8133% | 2,785 |
| Earnings coverage of net charge-offs (x) | 1.3214% | 4,101 |
| Efficiency ratio | 80.5907% | 2,080 |
| Assets per employee ($millions) | 4.0005% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 1,422 |
| Loan loss allowance to noncurrent loans | 55.2042% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 5.7224% | 493 |
| Noncurrent loans to loans | 3.9844% | 980 |
| Net loans and leases to total assets | 70.2939% | 1,834 |
| Net loans and leases to deposits | 78.1380% | 2,554 |
| Net loans and leases to core deposits | 80.9479% | 2,918 |
| Total domestic deposits to total assets | 89.9612% | 1,049 |
| Equity capital to assets | 9.3686% | 4,759 |
| Core capital (leverage) ratio | 8.6623% | 5,469 |
| Tier 1 risk-based capital ratio | 10.6439% | 6,462 |
| Total risk-based capital ratio | 11.9026% | 6,434 |
| Memoranda: | ||
| Average total assets | $210,198,670 | 2,952 |
| Average earning assets | $185,962,000 | 3,035 |
| Average equity | $19,970,670 | 3,209 |
| Average total loans | $151,136,330 | 2,556 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,822 |
| Cost of funding earning assets | 0.8611% | 1,199 |
| Net interest margin | 3.4551% | 3,877 |
| Noninterest income to average assets | 0.8735% | 1,851 |
| Noninterest expense to average assets | 3.1536% | 2,504 |
| Loan and lease loss provision to assets | 0.3440% | 960 |
| Net operating income to assets | 0.2962% | 5,580 |
| Return on assets (ROA) | 0.2962% | 5,703 |
| Pretax return on assets | 0.4358% | 5,450 |
| Return on Equity (ROE) | 3.0963% | 5,549 |
| Retained earnings to average equity (ytd only) | 3.0963% | 4,423 |
| Net charge-offs to loans | 0.4518% | 1,323 |
| Credit loss provision to net charge-offs | 105.8824% | 1,744 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,040 |
| Efficiency ratio | 80.1749% | 2,315 |
| Assets per employee ($millions) | 3.9959% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 1,415 |
| Loan loss allowance to noncurrent loans | 52.9412% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 4.3917% | 855 |
| Noncurrent loans to loans | 4.3400% | 989 |
| Net loans and leases to total assets | 70.6547% | 1,557 |
| Net loans and leases to deposits | 78.4926% | 2,274 |
| Net loans and leases to core deposits | 81.2493% | 2,665 |
| Total domestic deposits to total assets | 90.0144% | 1,039 |
| Equity capital to assets | 9.4893% | 4,863 |
| Core capital (leverage) ratio | 8.7812% | 5,216 |
| Tier 1 risk-based capital ratio | 10.8276% | 6,477 |
| Total risk-based capital ratio | 12.0884% | 6,445 |
| Memoranda: | ||
| Average total assets | $209,284,500 | 2,986 |
| Average earning assets | $185,351,500 | 3,078 |
| Average equity | $20,024,000 | 3,249 |
| Average total loans | $150,507,500 | 2,575 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 2,667 |
| Cost of funding earning assets | 1.1593% | 704 |
| Net interest margin | 3.5239% | 4,401 |
| Noninterest income to average assets | 1.3035% | 902 |
| Noninterest expense to average assets | 3.6406% | 1,519 |
| Loan and lease loss provision to assets | 0.5286% | 1,095 |
| Net operating income to assets | 0.1507% | 5,890 |
| Return on assets (ROA) | 0.2908% | 5,709 |
| Pretax return on assets | 0.4271% | 5,491 |
| Return on Equity (ROE) | 3.1491% | 5,495 |
| Retained earnings to average equity (ytd only) | 3.1491% | 4,022 |
| Net charge-offs to loans | 1.1473% | 900 |
| Credit loss provision to net charge-offs | 63.6516% | 4,353 |
| Earnings coverage of net charge-offs (x) | 0.9028% | 5,020 |
| Efficiency ratio | 82.9214% | 1,758 |
| Assets per employee ($millions) | 3.5652% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3732% | 1,277 |
| Loan loss allowance to noncurrent loans | 43.1824% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 8.1147% | 331 |
| Noncurrent loans to loans | 5.4957% | 673 |
| Net loans and leases to total assets | 69.8076% | 1,880 |
| Net loans and leases to deposits | 77.7674% | 2,570 |
| Net loans and leases to core deposits | 80.8512% | 2,897 |
| Total domestic deposits to total assets | 89.7647% | 1,088 |
| Equity capital to assets | 9.6482% | 4,658 |
| Core capital (leverage) ratio | 8.5728% | 5,503 |
| Tier 1 risk-based capital ratio | 10.8006% | 6,429 |
| Total risk-based capital ratio | 12.0613% | 6,395 |
| Memoranda: | ||
| Average total assets | $215,648,600 | 2,877 |
| Average earning assets | $188,908,400 | 2,975 |
| Average equity | $19,910,200 | 3,212 |
| Average total loans | $156,105,000 | 2,484 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 2,743 |
| Cost of funding earning assets | 1.2129% | 655 |
| Net interest margin | 3.5020% | 4,636 |
| Noninterest income to average assets | 1.4877% | 677 |
| Noninterest expense to average assets | 3.5948% | 1,564 |
| Loan and lease loss provision to assets | 0.5141% | 1,182 |
| Net operating income to assets | 0.3005% | 5,615 |
| Return on assets (ROA) | 0.4798% | 5,182 |
| Pretax return on assets | 0.7270% | 4,761 |
| Return on Equity (ROE) | 5.2528% | 4,705 |
| Retained earnings to average equity (ytd only) | 5.2528% | 3,188 |
| Net charge-offs to loans | 1.1894% | 829 |
| Credit loss provision to net charge-offs | 59.5322% | 4,151 |
| Earnings coverage of net charge-offs (x) | 1.1226% | 4,736 |
| Efficiency ratio | 78.7611% | 2,272 |
| Assets per employee ($millions) | 3.5989% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3281% | 1,466 |
| Loan loss allowance to noncurrent loans | 37.9989% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 8.3979% | 350 |
| Noncurrent loans to loans | 6.1268% | 656 |
| Net loans and leases to total assets | 70.9110% | 1,738 |
| Net loans and leases to deposits | 79.1941% | 2,512 |
| Net loans and leases to core deposits | 82.3675% | 2,909 |
| Total domestic deposits to total assets | 89.5407% | 1,103 |
| Equity capital to assets | 9.4797% | 5,230 |
| Core capital (leverage) ratio | 8.6837% | 5,496 |
| Tier 1 risk-based capital ratio | 10.6783% | 6,604 |
| Total risk-based capital ratio | 11.9384% | 6,593 |
| Memoranda: | ||
| Average total assets | $217,864,750 | 2,879 |
| Average earning assets | $191,389,500 | 2,970 |
| Average equity | $19,900,000 | 3,253 |
| Average total loans | $158,166,250 | 2,476 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 2,433 |
| Cost of funding earning assets | 1.2807% | 572 |
| Net interest margin | 3.5384% | 4,510 |
| Noninterest income to average assets | 1.4128% | 721 |
| Noninterest expense to average assets | 3.4755% | 1,841 |
| Loan and lease loss provision to assets | 0.6008% | 992 |
| Net operating income to assets | 0.2985% | 5,625 |
| Return on assets (ROA) | 0.5653% | 4,798 |
| Pretax return on assets | 0.8593% | 4,238 |
| Return on Equity (ROE) | 6.2652% | 4,176 |
| Retained earnings to average equity (ytd only) | 6.2652% | 2,522 |
| Net charge-offs to loans | 1.6752% | 552 |
| Credit loss provision to net charge-offs | 49.4012% | 4,049 |
| Earnings coverage of net charge-offs (x) | 0.8683% | 4,618 |
| Efficiency ratio | 76.6975% | 2,637 |
| Assets per employee ($millions) | 3.6445% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1732% | 1,837 |
| Loan loss allowance to noncurrent loans | 55.6550% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 6.8038% | 588 |
| Noncurrent loans to loans | 3.9048% | 1,425 |
| Net loans and leases to total assets | 72.9352% | 1,401 |
| Net loans and leases to deposits | 81.4546% | 2,175 |
| Net loans and leases to core deposits | 84.7639% | 2,596 |
| Total domestic deposits to total assets | 89.5409% | 1,201 |
| Equity capital to assets | 9.2960% | 5,326 |
| Core capital (leverage) ratio | 8.4204% | 5,760 |
| Tier 1 risk-based capital ratio | 10.2265% | 6,771 |
| Total risk-based capital ratio | 11.4853% | 6,751 |
| Memoranda: | ||
| Average total assets | $219,707,000 | 2,873 |
| Average earning assets | $193,646,670 | 2,954 |
| Average equity | $19,823,670 | 3,247 |
| Average total loans | $159,501,670 | 2,469 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 2,983 |
| Cost of funding earning assets | 1.3494% | 518 |
| Net interest margin | 3.3684% | 5,241 |
| Noninterest income to average assets | 1.2736% | 872 |
| Noninterest expense to average assets | 3.3831% | 2,045 |
| Loan and lease loss provision to assets | 0.3243% | 1,935 |
| Net operating income to assets | 0.3539% | 5,462 |
| Return on assets (ROA) | 0.6665% | 4,259 |
| Pretax return on assets | 1.0196% | 3,607 |
| Return on Equity (ROE) | 7.4971% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.4971% | 2,174 |
| Net charge-offs to loans | 0.0754% | 3,748 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 15.9667% | 1,393 |
| Efficiency ratio | 79.6776% | 2,241 |
| Assets per employee ($millions) | 3.8910% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6576% | 1,169 |
| Loan loss allowance to noncurrent loans | 63.1965% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 6.9553% | 624 |
| Noncurrent loans to loans | 4.2053% | 1,440 |
| Net loans and leases to total assets | 71.1791% | 1,536 |
| Net loans and leases to deposits | 79.1614% | 2,320 |
| Net loans and leases to core deposits | 82.7160% | 2,726 |
| Total domestic deposits to total assets | 89.9165% | 1,131 |
| Equity capital to assets | 8.9532% | 5,566 |
| Core capital (leverage) ratio | 8.1217% | 6,129 |
| Tier 1 risk-based capital ratio | 9.7855% | 6,920 |
| Total risk-based capital ratio | 11.0492% | 6,919 |
| Memoranda: | ||
| Average total assets | $222,046,500 | 2,862 |
| Average earning assets | $195,939,000 | 2,951 |
| Average equity | $19,741,000 | 3,257 |
| Average total loans | $159,095,000 | 2,498 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 3,385 |
| Cost of funding earning assets | 1.7587% | 250 |
| Net interest margin | 3.1361% | 6,257 |
| Noninterest income to average assets | 0.7539% | 2,317 |
| Noninterest expense to average assets | 3.0811% | 3,264 |
| Loan and lease loss provision to assets | 1.4559% | 521 |
| Net operating income to assets | -0.6438% | 6,573 |
| Return on assets (ROA) | -0.5783% | 6,586 |
| Pretax return on assets | -0.9048% | 6,695 |
| Return on Equity (ROE) | -6.5715% | 6,609 |
| Retained earnings to average equity (ytd only) | -6.5715% | 6,542 |
| Net charge-offs to loans | 1.9888% | 695 |
| Credit loss provision to net charge-offs | 104.9244% | 3,263 |
| Earnings coverage of net charge-offs (x) | 0.3235% | 5,583 |
| Efficiency ratio | 87.2849% | 1,417 |
| Assets per employee ($millions) | 3.9698% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6664% | 1,118 |
| Loan loss allowance to noncurrent loans | 69.8221% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 6.4173% | 736 |
| Noncurrent loans to loans | 3.8189% | 1,645 |
| Net loans and leases to total assets | 68.3085% | 2,334 |
| Net loans and leases to deposits | 75.7524% | 3,212 |
| Net loans and leases to core deposits | 79.2256% | 3,545 |
| Total domestic deposits to total assets | 90.1735% | 895 |
| Equity capital to assets | 8.8279% | 5,765 |
| Core capital (leverage) ratio | 7.8115% | 6,431 |
| Tier 1 risk-based capital ratio | 9.8057% | 6,899 |
| Total risk-based capital ratio | 11.0692% | 6,890 |
| Memoranda: | ||
| Average total assets | $223,913,400 | 2,798 |
| Average earning assets | $198,209,800 | 2,876 |
| Average equity | $19,706,200 | 3,190 |
| Average total loans | $156,226,200 | 2,551 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 3,715 |
| Cost of funding earning assets | 1.8410% | 220 |
| Net interest margin | 3.0220% | 6,540 |
| Noninterest income to average assets | 0.6693% | 2,775 |
| Noninterest expense to average assets | 3.0385% | 3,409 |
| Loan and lease loss provision to assets | 1.4146% | 509 |
| Net operating income to assets | -0.7122% | 6,764 |
| Return on assets (ROA) | -0.6384% | 6,758 |
| Pretax return on assets | -0.9932% | 6,875 |
| Return on Equity (ROE) | -7.2591% | 6,779 |
| Retained earnings to average equity (ytd only) | -7.2591% | 6,720 |
| Net charge-offs to loans | 2.6209% | 407 |
| Credit loss provision to net charge-offs | 77.4740% | 4,230 |
| Earnings coverage of net charge-offs (x) | 0.1676% | 5,477 |
| Efficiency ratio | 90.8477% | 1,119 |
| Assets per employee ($millions) | 4.2017% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 2,021 |
| Loan loss allowance to noncurrent loans | 43.9539% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 6.8839% | 727 |
| Noncurrent loans to loans | 4.8239% | 1,330 |
| Net loans and leases to total assets | 67.4471% | 2,585 |
| Net loans and leases to deposits | 75.0028% | 3,508 |
| Net loans and leases to core deposits | 79.3722% | 3,729 |
| Total domestic deposits to total assets | 89.9260% | 906 |
| Equity capital to assets | 8.7174% | 6,067 |
| Core capital (leverage) ratio | 8.0493% | 6,344 |
| Tier 1 risk-based capital ratio | 10.5252% | 6,767 |
| Total risk-based capital ratio | 11.7834% | 6,752 |
| Memoranda: | ||
| Average total assets | $224,315,250 | 2,798 |
| Average earning assets | $198,585,500 | 2,878 |
| Average equity | $19,726,500 | 3,188 |
| Average total loans | $156,279,250 | 2,571 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 4,235 |
| Cost of funding earning assets | 1.8527% | 255 |
| Net interest margin | 2.9112% | 6,771 |
| Noninterest income to average assets | 0.5182% | 3,723 |
| Noninterest expense to average assets | 3.0261% | 3,537 |
| Loan and lease loss provision to assets | 1.9691% | 316 |
| Net operating income to assets | -1.2336% | 7,010 |
| Return on assets (ROA) | -1.2092% | 7,020 |
| Pretax return on assets | -1.8572% | 7,140 |
| Return on Equity (ROE) | -13.7095% | 7,032 |
| Retained earnings to average equity (ytd only) | -13.7095% | 6,997 |
| Net charge-offs to loans | 3.8219% | 221 |
| Credit loss provision to net charge-offs | 73.6772% | 3,957 |
| Earnings coverage of net charge-offs (x) | 0.0278% | 5,264 |
| Efficiency ratio | 97.6039% | 806 |
| Assets per employee ($millions) | 4.2319% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0541% | 2,225 |
| Loan loss allowance to noncurrent loans | 35.7333% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 7.4781% | 646 |
| Noncurrent loans to loans | 5.7485% | 1,068 |
| Net loans and leases to total assets | 67.2087% | 2,790 |
| Net loans and leases to deposits | 74.1560% | 3,786 |
| Net loans and leases to core deposits | 78.6668% | 3,976 |
| Total domestic deposits to total assets | 90.6315% | 664 |
| Equity capital to assets | 8.4990% | 6,189 |
| Core capital (leverage) ratio | 8.0782% | 6,195 |
| Tier 1 risk-based capital ratio | 10.4661% | 6,800 |
| Total risk-based capital ratio | 11.7236% | 6,800 |
| Memoranda: | ||
| Average total assets | $223,456,330 | 2,822 |
| Average earning assets | $198,199,330 | 2,897 |
| Average equity | $19,709,000 | 3,167 |
| Average total loans | $156,256,670 | 2,597 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 3,625 |
| Cost of funding earning assets | 1.8736% | 285 |
| Net interest margin | 3.0199% | 6,533 |
| Noninterest income to average assets | 0.2969% | 5,541 |
| Noninterest expense to average assets | 3.1015% | 3,236 |
| Loan and lease loss provision to assets | 3.6574% | 123 |
| Net operating income to assets | -2.4823% | 7,338 |
| Return on assets (ROA) | -2.4823% | 7,337 |
| Pretax return on assets | -3.7859% | 7,425 |
| Return on Equity (ROE) | -27.6237% | 7,303 |
| Retained earnings to average equity (ytd only) | -27.6237% | 7,270 |
| Net charge-offs to loans | 4.6159% | 177 |
| Credit loss provision to net charge-offs | 112.2222% | 2,388 |
| Earnings coverage of net charge-offs (x) | -0.0394% | 4,611 |
| Efficiency ratio | 104.3240% | 618 |
| Assets per employee ($millions) | 4.2178% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7371% | 1,170 |
| Loan loss allowance to noncurrent loans | 89.8597% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 5.6659% | 1,049 |
| Noncurrent loans to loans | 3.0460% | 2,467 |
| Net loans and leases to total assets | 67.1920% | 2,712 |
| Net loans and leases to deposits | 74.2215% | 3,727 |
| Net loans and leases to core deposits | 78.9174% | 3,908 |
| Total domestic deposits to total assets | 90.5290% | 826 |
| Equity capital to assets | 8.5884% | 5,786 |
| Core capital (leverage) ratio | 8.6482% | 5,174 |
| Tier 1 risk-based capital ratio | 11.1847% | 6,367 |
| Total risk-based capital ratio | 12.4496% | 6,323 |
| Memoranda: | ||
| Average total assets | $220,924,000 | 2,867 |
| Average earning assets | $195,771,000 | 2,937 |
| Average equity | $19,852,500 | 3,138 |
| Average total loans | $155,981,500 | 2,616 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 4,150 |
| Cost of funding earning assets | 2.0753% | 464 |
| Net interest margin | 3.0122% | 6,713 |
| Noninterest income to average assets | 0.6152% | 3,377 |
| Noninterest expense to average assets | 2.7996% | 4,609 |
| Loan and lease loss provision to assets | 1.1095% | 1,437 |
| Net operating income to assets | -0.3560% | 6,268 |
| Return on assets (ROA) | -0.2887% | 6,246 |
| Pretax return on assets | -0.4552% | 6,286 |
| Return on Equity (ROE) | -3.0250% | 6,277 |
| Retained earnings to average equity (ytd only) | -3.0250% | 6,099 |
| Net charge-offs to loans | 1.0849% | 2,052 |
| Credit loss provision to net charge-offs | 136.1607% | 2,828 |
| Earnings coverage of net charge-offs (x) | 0.6741% | 5,434 |
| Efficiency ratio | 83.5981% | 1,968 |
| Assets per employee ($millions) | 3.8983% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5436% | 1,361 |
| Loan loss allowance to noncurrent loans | 87.1655% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 5.5693% | 1,105 |
| Noncurrent loans to loans | 2.9182% | 2,614 |
| Net loans and leases to total assets | 70.3264% | 2,455 |
| Net loans and leases to deposits | 78.2579% | 3,473 |
| Net loans and leases to core deposits | 83.0174% | 3,743 |
| Total domestic deposits to total assets | 89.8650% | 1,180 |
| Equity capital to assets | 9.3934% | 4,555 |
| Core capital (leverage) ratio | 9.3305% | 3,961 |
| Tier 1 risk-based capital ratio | 12.0780% | 5,404 |
| Total risk-based capital ratio | 13.3419% | 5,376 |
| Memoranda: | ||
| Average total assets | $219,924,600 | 2,869 |
| Average earning assets | $199,590,000 | 2,885 |
| Average equity | $20,992,000 | 3,006 |
| Average total loans | $165,171,200 | 2,544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 4,609 |
| Cost of funding earning assets | 2.1045% | 528 |
| Net interest margin | 2.9396% | 6,943 |
| Noninterest income to average assets | 0.4278% | 4,740 |
| Noninterest expense to average assets | 2.4550% | 5,868 |
| Loan and lease loss provision to assets | 1.0771% | 1,359 |
| Net operating income to assets | -0.2623% | 6,390 |
| Return on assets (ROA) | -0.2100% | 6,390 |
| Pretax return on assets | -0.3407% | 6,442 |
| Return on Equity (ROE) | -2.1913% | 6,422 |
| Retained earnings to average equity (ytd only) | -2.1913% | 6,236 |
| Net charge-offs to loans | 0.7022% | 2,660 |
| Credit loss provision to net charge-offs | 202.2727% | 1,761 |
| Earnings coverage of net charge-offs (x) | 1.2295% | 4,832 |
| Efficiency ratio | 78.9453% | 2,496 |
| Assets per employee ($millions) | 4.2661% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6525% | 1,135 |
| Loan loss allowance to noncurrent loans | 65.9749% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 5.8020% | 1,043 |
| Noncurrent loans to loans | 4.0204% | 1,868 |
| Net loans and leases to total assets | 70.4774% | 2,615 |
| Net loans and leases to deposits | 78.6262% | 3,704 |
| Net loans and leases to core deposits | 83.5985% | 4,008 |
| Total domestic deposits to total assets | 89.6361% | 1,056 |
| Equity capital to assets | 9.5232% | 4,805 |
| Core capital (leverage) ratio | 9.4507% | 3,985 |
| Tier 1 risk-based capital ratio | 12.1970% | 5,272 |
| Total risk-based capital ratio | 13.4624% | 5,229 |
| Memoranda: | ||
| Average total assets | $220,330,250 | 2,913 |
| Average earning assets | $201,020,250 | 2,902 |
| Average equity | $21,113,500 | 3,034 |
| Average total loans | $167,081,250 | 2,557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 4,829 |
| Cost of funding earning assets | 2.1485% | 552 |
| Net interest margin | 2.8756% | 7,038 |
| Noninterest income to average assets | 0.2784% | 5,927 |
| Noninterest expense to average assets | 2.4219% | 6,004 |
| Loan and lease loss provision to assets | 1.2737% | 1,094 |
| Net operating income to assets | -0.4944% | 6,644 |
| Return on assets (ROA) | -0.4449% | 6,642 |
| Pretax return on assets | -0.7024% | 6,725 |
| Return on Equity (ROE) | -4.6330% | 6,664 |
| Retained earnings to average equity (ytd only) | -4.6330% | 6,508 |
| Net charge-offs to loans | 0.6665% | 2,545 |
| Credit loss provision to net charge-offs | 248.2270% | 1,551 |
| Earnings coverage of net charge-offs (x) | 0.9628% | 4,815 |
| Efficiency ratio | 83.0577% | 2,034 |
| Assets per employee ($millions) | 4.1516% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5046% | 1,294 |
| Loan loss allowance to noncurrent loans | 38.2777% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 5.4045% | 1,151 |
| Noncurrent loans to loans | 6.5433% | 910 |
| Net loans and leases to total assets | 74.2307% | 1,857 |
| Net loans and leases to deposits | 82.7013% | 3,134 |
| Net loans and leases to core deposits | 87.9133% | 3,557 |
| Total domestic deposits to total assets | 89.7576% | 1,044 |
| Equity capital to assets | 9.4325% | 4,815 |
| Core capital (leverage) ratio | 9.3986% | 3,967 |
| Tier 1 risk-based capital ratio | 12.1279% | 5,188 |
| Total risk-based capital ratio | 13.3931% | 5,157 |
| Memoranda: | ||
| Average total assets | $219,828,000 | 2,940 |
| Average earning assets | $201,628,000 | 2,926 |
| Average equity | $21,109,330 | 3,024 |
| Average total loans | $169,240,000 | 2,559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 4,986 |
| Cost of funding earning assets | 2.2445% | 508 |
| Net interest margin | 2.7641% | 7,232 |
| Noninterest income to average assets | 0.2767% | 5,936 |
| Noninterest expense to average assets | 2.4176% | 6,024 |
| Loan and lease loss provision to assets | 0.1820% | 4,700 |
| Net operating income to assets | 0.1657% | 5,805 |
| Return on assets (ROA) | 0.1657% | 5,933 |
| Pretax return on assets | 0.2239% | 5,812 |
| Return on Equity (ROE) | 1.7100% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.7100% | 5,084 |
| Net charge-offs to loans | 0.1411% | 4,089 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 3.7167% | 2,814 |
| Efficiency ratio | 85.6222% | 1,834 |
| Assets per employee ($millions) | 4.0978% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 2,143 |
| Loan loss allowance to noncurrent loans | 30.7081% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 5.4483% | 1,138 |
| Noncurrent loans to loans | 6.5674% | 945 |
| Net loans and leases to total assets | 74.6520% | 1,818 |
| Net loans and leases to deposits | 83.3043% | 3,062 |
| Net loans and leases to core deposits | 89.0330% | 3,492 |
| Total domestic deposits to total assets | 89.6136% | 1,175 |
| Equity capital to assets | 9.6394% | 4,321 |
| Core capital (leverage) ratio | 9.7146% | 3,496 |
| Tier 1 risk-based capital ratio | 12.3732% | 4,853 |
| Total risk-based capital ratio | 13.6324% | 4,800 |
| Memoranda: | ||
| Average total assets | $219,723,500 | 2,993 |
| Average earning assets | $202,452,500 | 2,958 |
| Average equity | $21,286,500 | 3,036 |
| Average total loans | $170,094,500 | 2,603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 4,739 |
| Cost of funding earning assets | 2.5411% | 919 |
| Net interest margin | 2.8499% | 6,967 |
| Noninterest income to average assets | 0.4851% | 4,528 |
| Noninterest expense to average assets | 2.4881% | 6,178 |
| Loan and lease loss provision to assets | 1.0631% | 2,157 |
| Net operating income to assets | -0.2328% | 5,878 |
| Return on assets (ROA) | -0.1760% | 5,809 |
| Pretax return on assets | -0.3507% | 5,878 |
| Return on Equity (ROE) | -1.7568% | 5,816 |
| Retained earnings to average equity (ytd only) | -1.7568% | 5,449 |
| Net charge-offs to loans | 0.5648% | 3,528 |
| Credit loss provision to net charge-offs | 242.7215% | 1,466 |
| Earnings coverage of net charge-offs (x) | 1.4241% | 4,703 |
| Efficiency ratio | 79.9555% | 2,897 |
| Assets per employee ($millions) | 4.0401% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 2,117 |
| Loan loss allowance to noncurrent loans | 29.0456% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 5.7804% | 991 |
| Noncurrent loans to loans | 6.7413% | 871 |
| Net loans and leases to total assets | 77.1148% | 1,563 |
| Net loans and leases to deposits | 87.0428% | 2,729 |
| Net loans and leases to core deposits | 108.4056% | 3,058 |
| Total domestic deposits to total assets | 88.5941% | 1,676 |
| Equity capital to assets | 9.7370% | 4,093 |
| Core capital (leverage) ratio | 9.8585% | 3,259 |
| Tier 1 risk-based capital ratio | 12.1398% | 4,824 |
| Total risk-based capital ratio | 13.3983% | 4,779 |
| Memoranda: | ||
| Average total assets | $216,433,600 | 2,996 |
| Average earning assets | $199,483,000 | 2,977 |
| Average equity | $21,686,800 | 2,986 |
| Average total loans | $167,857,400 | 2,650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 5,026 |
| Cost of funding earning assets | 2.5800% | 1,075 |
| Net interest margin | 2.8034% | 7,058 |
| Noninterest income to average assets | 0.4790% | 4,679 |
| Noninterest expense to average assets | 2.5135% | 6,027 |
| Loan and lease loss provision to assets | 0.4623% | 3,601 |
| Net operating income to assets | 0.0862% | 5,511 |
| Return on assets (ROA) | 0.1518% | 5,374 |
| Pretax return on assets | 0.1599% | 5,385 |
| Return on Equity (ROE) | 1.5047% | 5,331 |
| Retained earnings to average equity (ytd only) | 1.5047% | 4,472 |
| Net charge-offs to loans | 0.2620% | 4,411 |
| Credit loss provision to net charge-offs | 228.3537% | 1,910 |
| Earnings coverage of net charge-offs (x) | 2.7317% | 3,861 |
| Efficiency ratio | 81.9646% | 2,583 |
| Assets per employee ($millions) | 3.8943% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 3,781 |
| Loan loss allowance to noncurrent loans | 31.8761% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 3.8811% | 1,655 |
| Noncurrent loans to loans | 4.4863% | 1,562 |
| Net loans and leases to total assets | 76.7395% | 1,839 |
| Net loans and leases to deposits | 90.0465% | 2,574 |
| Net loans and leases to core deposits | 111.0414% | 3,125 |
| Total domestic deposits to total assets | 85.2221% | 3,114 |
| Equity capital to assets | 10.1035% | 3,956 |
| Core capital (leverage) ratio | 9.9813% | 3,308 |
| Tier 1 risk-based capital ratio | 12.6322% | 4,451 |
| Total risk-based capital ratio | 13.8842% | 4,397 |
| Memoranda: | ||
| Average total assets | $216,000,250 | 3,012 |
| Average earning assets | $199,372,250 | 2,994 |
| Average equity | $21,797,750 | 2,998 |
| Average total loans | $166,922,000 | 2,686 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4363% | 4,960 |
| Cost of funding earning assets | 2.6147% | 1,246 |
| Net interest margin | 2.8216% | 6,973 |
| Noninterest income to average assets | 0.5304% | 4,182 |
| Noninterest expense to average assets | 2.5499% | 5,944 |
| Loan and lease loss provision to assets | 0.5666% | 2,751 |
| Net operating income to assets | 0.0307% | 5,756 |
| Return on assets (ROA) | 0.1347% | 5,566 |
| Pretax return on assets | 0.1273% | 5,609 |
| Return on Equity (ROE) | 1.3352% | 5,526 |
| Retained earnings to average equity (ytd only) | 1.3352% | 4,598 |
| Net charge-offs to loans | 0.3965% | 3,213 |
| Credit loss provision to net charge-offs | 185.4103% | 2,470 |
| Earnings coverage of net charge-offs (x) | 1.9301% | 4,136 |
| Efficiency ratio | 81.2130% | 2,848 |
| Assets per employee ($millions) | 3.9275% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 3,773 |
| Loan loss allowance to noncurrent loans | 35.6664% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 3.2493% | 1,922 |
| Noncurrent loans to loans | 3.8996% | 1,743 |
| Net loans and leases to total assets | 72.4612% | 3,098 |
| Net loans and leases to deposits | 83.9884% | 3,878 |
| Net loans and leases to core deposits | 106.3502% | 3,800 |
| Total domestic deposits to total assets | 86.2753% | 2,640 |
| Equity capital to assets | 9.7219% | 4,317 |
| Core capital (leverage) ratio | 9.7424% | 3,581 |
| Tier 1 risk-based capital ratio | 12.6754% | 4,374 |
| Total risk-based capital ratio | 13.9263% | 4,293 |
| Memoranda: | ||
| Average total assets | $215,306,330 | 3,036 |
| Average earning assets | $199,106,670 | 3,013 |
| Average equity | $21,719,000 | 3,009 |
| Average total loans | $165,968,330 | 2,730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 5,067 |
| Cost of funding earning assets | 2.6468% | 1,425 |
| Net interest margin | 2.8227% | 6,948 |
| Noninterest income to average assets | 0.4170% | 5,082 |
| Noninterest expense to average assets | 2.4774% | 5,925 |
| Loan and lease loss provision to assets | 1.1563% | 1,130 |
| Net operating income to assets | -0.3392% | 6,729 |
| Return on assets (ROA) | -0.2616% | 6,709 |
| Pretax return on assets | -0.4796% | 6,808 |
| Return on Equity (ROE) | -2.5442% | 6,728 |
| Retained earnings to average equity (ytd only) | -2.5442% | 6,200 |
| Net charge-offs to loans | -0.0792% | 7,822 |
| Credit loss provision to net charge-offs | -1,848.4848% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6875% | 2,581 |
| Assets per employee ($millions) | 3.9424% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 2,606 |
| Loan loss allowance to noncurrent loans | 33.6508% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 3.9639% | 1,302 |
| Noncurrent loans to loans | 4.6928% | 1,194 |
| Net loans and leases to total assets | 76.1697% | 2,234 |
| Net loans and leases to deposits | 88.5753% | 3,183 |
| Net loans and leases to core deposits | 112.5796% | 3,159 |
| Total domestic deposits to total assets | 85.9943% | 2,731 |
| Equity capital to assets | 9.9487% | 4,054 |
| Core capital (leverage) ratio | 10.1371% | 3,252 |
| Tier 1 risk-based capital ratio | 12.4171% | 4,600 |
| Total risk-based capital ratio | 13.6708% | 4,521 |
| Memoranda: | ||
| Average total assets | $211,026,500 | 3,103 |
| Average earning assets | $195,555,500 | 3,074 |
| Average equity | $21,696,500 | 3,020 |
| Average total loans | $166,700,500 | 2,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4166% | 3,326 |
| Cost of funding earning assets | 3.0164% | 1,813 |
| Net interest margin | 3.4002% | 5,665 |
| Noninterest income to average assets | 0.2788% | 6,466 |
| Noninterest expense to average assets | 2.3224% | 6,635 |
| Loan and lease loss provision to assets | 0.6417% | 2,263 |
| Net operating income to assets | 0.3651% | 5,293 |
| Return on assets (ROA) | 0.3762% | 5,060 |
| Pretax return on assets | 0.5006% | 4,973 |
| Return on Equity (ROE) | 3.5531% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.5531% | 2,932 |
| Net charge-offs to loans | 0.4088% | 2,776 |
| Credit loss provision to net charge-offs | 195.0673% | 2,512 |
| Earnings coverage of net charge-offs (x) | 3.4275% | 4,374 |
| Efficiency ratio | 67.3176% | 4,847 |
| Assets per employee ($millions) | 3.8004% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 4,441 |
| Loan loss allowance to noncurrent loans | 26.3041% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 4.0742% | 996 |
| Noncurrent loans to loans | 4.6078% | 1,027 |
| Net loans and leases to total assets | 79.7110% | 1,723 |
| Net loans and leases to deposits | 93.6376% | 2,828 |
| Net loans and leases to core deposits | 114.0341% | 3,338 |
| Total domestic deposits to total assets | 85.1272% | 2,784 |
| Equity capital to assets | 10.6330% | 3,360 |
| Core capital (leverage) ratio | 10.7086% | 2,812 |
| Tier 1 risk-based capital ratio | 12.7188% | 4,279 |
| Total risk-based capital ratio | 13.8999% | 4,241 |
| Memoranda: | ||
| Average total assets | $203,364,400 | 3,097 |
| Average earning assets | $189,664,400 | 3,047 |
| Average equity | $21,530,600 | 3,038 |
| Average total loans | $163,633,400 | 2,720 |