Home > Community Banking Company of Fitzgerald > Performance and Condition Ratios
Community Banking Company of Fitzgerald, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 1,468 |
| Cost of funding earning assets | 1.2557% | 2,643 |
| Net interest margin | 4.0604% | 1,116 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.3664% | 2,673 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.6848% | 756 |
| Return on assets (ROA) | 1.6848% | 726 |
| Pretax return on assets | 2.0190% | 650 |
| Return on Equity (ROE) | 15.5900% | 1,177 |
| Retained earnings to average equity (ytd only) | 9.0864% | 1,233 |
| Net charge-offs to loans | 0.2201% | 492 |
| Credit loss provision to net charge-offs | -17.9739% | 4,432 |
| Earnings coverage of net charge-offs (x) | 17.4150% | 1,974 |
| Efficiency ratio | 53.2749% | 3,732 |
| Assets per employee ($millions) | 8.4520% | 1,200 |
| Cash dividends to net income (ytd only)* | 41.7013% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6648% | 162 |
| Loan loss allowance to noncurrent loans | 691.2727% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,140 |
| Noncurrent loans to loans | 0.3855% | 1,829 |
| Net loans and leases to total assets | 54.7700% | 3,289 |
| Net loans and leases to deposits | 62.1743% | 3,395 |
| Net loans and leases to core deposits | 77.7903% | 2,852 |
| Total domestic deposits to total assets | 88.0900% | 1,320 |
| Equity capital to assets | 11.3827% | 1,334 |
| Core capital (leverage) ratio | 10.9582% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $256,760,000 | 2,640 |
| Average earning assets | $239,461,600 | 2,632 |
| Average equity | $27,755,800 | 2,378 |
| Average total loans | $139,056,800 | 2,782 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 1,444 |
| Cost of funding earning assets | 1.1641% | 2,549 |
| Net interest margin | 4.0408% | 1,158 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.1069% | 3,339 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7238% | 765 |
| Return on assets (ROA) | 1.7238% | 753 |
| Pretax return on assets | 2.2596% | 515 |
| Return on Equity (ROE) | 16.1600% | 1,224 |
| Retained earnings to average equity (ytd only) | 11.6157% | 1,043 |
| Net charge-offs to loans | 0.2606% | 343 |
| Credit loss provision to net charge-offs | -40.7407% | 4,496 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,931 |
| Efficiency ratio | 47.7419% | 4,064 |
| Assets per employee ($millions) | 8.3019% | 1,210 |
| Cash dividends to net income (ytd only)* | 28.1081% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6356% | 171 |
| Loan loss allowance to noncurrent loans | 909.3750% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,465 |
| Noncurrent loans to loans | 0.2898% | 2,195 |
| Net loans and leases to total assets | 56.1100% | 3,193 |
| Net loans and leases to deposits | 64.0304% | 3,267 |
| Net loans and leases to core deposits | 80.1687% | 2,588 |
| Total domestic deposits to total assets | 87.6400% | 1,688 |
| Equity capital to assets | 11.4813% | 1,186 |
| Core capital (leverage) ratio | 10.8227% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $257,560,000 | 2,643 |
| Average earning assets | $240,636,500 | 2,630 |
| Average equity | $27,479,250 | 2,379 |
| Average total loans | $138,152,500 | 2,799 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 1,513 |
| Cost of funding earning assets | 1.0143% | 2,554 |
| Net interest margin | 4.0162% | 1,213 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.0569% | 3,448 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.7427% | 724 |
| Return on assets (ROA) | 1.7427% | 726 |
| Pretax return on assets | 2.2673% | 491 |
| Return on Equity (ROE) | 16.7400% | 1,144 |
| Retained earnings to average equity (ytd only) | 9.8424% | 1,451 |
| Net charge-offs to loans | 0.3652% | 227 |
| Credit loss provision to net charge-offs | -56.2249% | 4,531 |
| Earnings coverage of net charge-offs (x) | 12.0964% | 1,949 |
| Efficiency ratio | 47.0650% | 4,114 |
| Assets per employee ($millions) | 8.2578% | 1,204 |
| Cash dividends to net income (ytd only)* | 41.2076% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7611% | 160 |
| Loan loss allowance to noncurrent loans | 890.0943% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,401 |
| Noncurrent loans to loans | 0.3102% | 2,032 |
| Net loans and leases to total assets | 51.9200% | 3,418 |
| Net loans and leases to deposits | 58.6787% | 3,504 |
| Net loans and leases to core deposits | 73.8174% | 2,903 |
| Total domestic deposits to total assets | 88.4800% | 1,434 |
| Equity capital to assets | 10.7734% | 1,471 |
| Core capital (leverage) ratio | 10.2133% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $260,394,000 | 2,631 |
| Average earning assets | $243,114,333 | 2,622 |
| Average equity | $27,107,333 | 2,407 |
| Average total loans | $136,357,667 | 2,811 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 2,431 |
| Cost of funding earning assets | 0.2416% | 3,401 |
| Net interest margin | 3.4986% | 1,940 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.1758% | 3,086 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.4747% | 948 |
| Return on assets (ROA) | 1.4747% | 909 |
| Pretax return on assets | 1.7397% | 841 |
| Return on Equity (ROE) | 15.0300% | 1,250 |
| Retained earnings to average equity (ytd only) | 11.1838% | 845 |
| Net charge-offs to loans | 0.0187% | 1,722 |
| Credit loss provision to net charge-offs | 480.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 181.8000% | 697 |
| Efficiency ratio | 54.9062% | 3,696 |
| Assets per employee ($millions) | 8.4558% | 1,111 |
| Cash dividends to net income (ytd only)* | 25.5932% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0189% | 117 |
| Loan loss allowance to noncurrent loans | 505.8323% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 1,605 |
| Noncurrent loans to loans | 0.5968% | 1,258 |
| Net loans and leases to total assets | 51.0200% | 3,429 |
| Net loans and leases to deposits | 56.9800% | 3,516 |
| Net loans and leases to core deposits | 61.4579% | 3,423 |
| Total domestic deposits to total assets | 89.5400% | 1,541 |
| Equity capital to assets | 10.0111% | 1,699 |
| Core capital (leverage) ratio | 9.7109% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $254,348,800 | 2,700 |
| Average earning assets | $239,268,000 | 2,675 |
| Average equity | $24,955,800 | 2,585 |
| Average total loans | $133,820,200 | 2,790 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4655% | 2,730 |
| Cost of funding earning assets | 0.1760% | 3,558 |
| Net interest margin | 3.2895% | 2,329 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 1.9587% | 3,596 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3666% | 1,181 |
| Return on assets (ROA) | 1.3666% | 1,151 |
| Pretax return on assets | 1.7839% | 761 |
| Return on Equity (ROE) | 14.0000% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.7503% | 852 |
| Net charge-offs to loans | 0.0271% | 1,281 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 128.4074% | 815 |
| Efficiency ratio | 51.6794% | 4,035 |
| Assets per employee ($millions) | 8.2436% | 1,197 |
| Cash dividends to net income (ytd only)* | 16.0804% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0515% | 126 |
| Loan loss allowance to noncurrent loans | 528.2609% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 1,722 |
| Noncurrent loans to loans | 0.5776% | 1,388 |
| Net loans and leases to total assets | 51.3600% | 3,351 |
| Net loans and leases to deposits | 57.3625% | 3,385 |
| Net loans and leases to core deposits | 60.9098% | 3,315 |
| Total domestic deposits to total assets | 89.5300% | 1,857 |
| Equity capital to assets | 10.0124% | 1,616 |
| Core capital (leverage) ratio | 9.4585% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $252,403,500 | 2,737 |
| Average earning assets | $237,843,000 | 2,700 |
| Average equity | $24,634,250 | 2,640 |
| Average total loans | $132,800,500 | 2,802 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 2,974 |
| Cost of funding earning assets | 0.1485% | 3,596 |
| Net interest margin | 3.0757% | 2,618 |
| Noninterest income to average assets | 0.7289% | 1,238 |
| Noninterest expense to average assets | 1.9383% | 3,607 |
| Loan and lease loss provision to assets | 0.0477% | 1,713 |
| Net operating income to assets | 1.2755% | 1,205 |
| Return on assets (ROA) | 1.2755% | 1,192 |
| Pretax return on assets | 1.6431% | 863 |
| Return on Equity (ROE) | 13.1844% | 1,331 |
| Retained earnings to average equity (ytd only) | 9.7629% | 1,082 |
| Net charge-offs to loans | 0.0364% | 1,019 |
| Credit loss provision to net charge-offs | 250.0000% | 868 |
| Earnings coverage of net charge-offs (x) | 88.5417% | 874 |
| Efficiency ratio | 53.4093% | 4,012 |
| Assets per employee ($millions) | 8.0378% | 1,285 |
| Cash dividends to net income (ytd only)* | 25.9513% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0493% | 142 |
| Loan loss allowance to noncurrent loans | 584.6154% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 1,898 |
| Noncurrent loans to loans | 0.5216% | 1,581 |
| Net loans and leases to total assets | 52.3668% | 3,118 |
| Net loans and leases to deposits | 58.3584% | 3,189 |
| Net loans and leases to core deposits | 60.5231% | 3,234 |
| Total domestic deposits to total assets | 89.7332% | 1,831 |
| Equity capital to assets | 9.9185% | 1,756 |
| Core capital (leverage) ratio | 9.1714% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,354,000 | 2,767 |
| Average earning assets | $237,020,000 | 2,741 |
| Average equity | $24,316,667 | 2,723 |
| Average total loans | $131,941,667 | 2,826 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1463% | 2,841 |
| Cost of funding earning assets | 0.1608% | 3,355 |
| Net interest margin | 2.9855% | 2,544 |
| Noninterest income to average assets | 0.8239% | 984 |
| Noninterest expense to average assets | 1.8554% | 3,797 |
| Loan and lease loss provision to assets | 0.0475% | 1,519 |
| Net operating income to assets | 1.3896% | 820 |
| Return on assets (ROA) | 1.3896% | 817 |
| Pretax return on assets | 1.7445% | 627 |
| Return on Equity (ROE) | 14.5452% | 726 |
| Retained earnings to average equity (ytd only) | 14.2964% | 348 |
| Net charge-offs to loans | 0.0337% | 966 |
| Credit loss provision to net charge-offs | 272.7273% | 698 |
| Earnings coverage of net charge-offs (x) | 102.8182% | 666 |
| Efficiency ratio | 50.8688% | 4,266 |
| Assets per employee ($millions) | 8.2325% | 1,237 |
| Cash dividends to net income (ytd only)* | 1.7104% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0906% | 149 |
| Loan loss allowance to noncurrent loans | 584.6924% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 2,032 |
| Noncurrent loans to loans | 0.5286% | 1,712 |
| Net loans and leases to total assets | 50.2145% | 3,151 |
| Net loans and leases to deposits | 56.9973% | 3,174 |
| Net loans and leases to core deposits | 60.1775% | 3,129 |
| Total domestic deposits to total assets | 88.0999% | 2,480 |
| Equity capital to assets | 9.5859% | 2,218 |
| Core capital (leverage) ratio | 9.3255% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,445,500 | 2,771 |
| Average earning assets | $238,755,500 | 2,744 |
| Average equity | $24,118,000 | 2,832 |
| Average total loans | $130,619,000 | 2,842 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5705% | 2,464 |
| Cost of funding earning assets | 0.2935% | 2,463 |
| Net interest margin | 3.2771% | 2,376 |
| Noninterest income to average assets | 0.7312% | 1,658 |
| Noninterest expense to average assets | 2.2054% | 3,066 |
| Loan and lease loss provision to assets | 0.2428% | 396 |
| Net operating income to assets | 1.1243% | 2,194 |
| Return on assets (ROA) | 1.1243% | 2,251 |
| Pretax return on assets | 1.3563% | 2,185 |
| Return on Equity (ROE) | 10.8099% | 2,233 |
| Retained earnings to average equity (ytd only) | 7.2599% | 1,821 |
| Net charge-offs to loans | 0.0344% | 1,546 |
| Credit loss provision to net charge-offs | 1,227.2727% | 458 |
| Earnings coverage of net charge-offs (x) | 80.8182% | 991 |
| Efficiency ratio | 57.9669% | 3,451 |
| Assets per employee ($millions) | 8.0543% | 1,301 |
| Cash dividends to net income (ytd only)* | 32.8400% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1535% | 129 |
| Loan loss allowance to noncurrent loans | 485.4415% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 1,890 |
| Noncurrent loans to loans | 0.6496% | 1,536 |
| Net loans and leases to total assets | 50.0360% | 3,275 |
| Net loans and leases to deposits | 56.7687% | 3,355 |
| Net loans and leases to core deposits | 59.9775% | 3,314 |
| Total domestic deposits to total assets | 88.1402% | 1,967 |
| Equity capital to assets | 9.5208% | 3,130 |
| Core capital (leverage) ratio | 9.4319% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,364,200 | 2,891 |
| Average earning assets | $208,541,000 | 2,887 |
| Average equity | $23,127,000 | 2,969 |
| Average total loans | $127,963,200 | 2,878 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 2,118 |
| Cost of funding earning assets | 0.3301% | 2,298 |
| Net interest margin | 3.4311% | 2,070 |
| Noninterest income to average assets | 0.7757% | 1,598 |
| Noninterest expense to average assets | 2.1552% | 3,209 |
| Loan and lease loss provision to assets | 0.2505% | 368 |
| Net operating income to assets | 1.2366% | 2,032 |
| Return on assets (ROA) | 1.2366% | 2,096 |
| Pretax return on assets | 1.5787% | 1,767 |
| Return on Equity (ROE) | 11.6054% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.1612% | 1,633 |
| Net charge-offs to loans | -0.0031% | 3,314 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0910% | 3,803 |
| Assets per employee ($millions) | 7.1154% | 1,795 |
| Cash dividends to net income (ytd only)* | 21.0605% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0658% | 143 |
| Loan loss allowance to noncurrent loans | 554.3175% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 2,153 |
| Noncurrent loans to loans | 0.5531% | 1,932 |
| Net loans and leases to total assets | 57.0499% | 2,607 |
| Net loans and leases to deposits | 64.2534% | 2,821 |
| Net loans and leases to core deposits | 68.6643% | 2,717 |
| Total domestic deposits to total assets | 88.7889% | 1,406 |
| Equity capital to assets | 10.7500% | 2,216 |
| Core capital (leverage) ratio | 9.8499% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,534,250 | 2,974 |
| Average earning assets | $201,560,250 | 2,971 |
| Average equity | $22,965,750 | 3,022 |
| Average total loans | $127,704,000 | 2,912 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 1,860 |
| Cost of funding earning assets | 0.3733% | 2,104 |
| Net interest margin | 3.5099% | 1,832 |
| Noninterest income to average assets | 0.8136% | 1,502 |
| Noninterest expense to average assets | 2.1445% | 3,259 |
| Loan and lease loss provision to assets | 0.2525% | 387 |
| Net operating income to assets | 1.3477% | 1,716 |
| Return on assets (ROA) | 1.3477% | 1,795 |
| Pretax return on assets | 1.6965% | 1,482 |
| Return on Equity (ROE) | 12.6865% | 1,828 |
| Retained earnings to average equity (ytd only) | 8.9801% | 1,717 |
| Net charge-offs to loans | -0.0079% | 3,586 |
| Credit loss provision to net charge-offs | -5,400.0000% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3875% | 4,004 |
| Assets per employee ($millions) | 6.6800% | 2,036 |
| Cash dividends to net income (ytd only)* | 29.2158% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8944% | 170 |
| Loan loss allowance to noncurrent loans | 349.0926% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 1,670 |
| Noncurrent loans to loans | 0.8291% | 1,477 |
| Net loans and leases to total assets | 58.5488% | 2,599 |
| Net loans and leases to deposits | 65.7328% | 2,848 |
| Net loans and leases to core deposits | 70.4146% | 2,741 |
| Total domestic deposits to total assets | 89.0709% | 1,247 |
| Equity capital to assets | 10.5131% | 2,385 |
| Core capital (leverage) ratio | 9.5268% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,853,333 | 2,983 |
| Average earning assets | $199,835,000 | 2,981 |
| Average equity | $22,717,000 | 3,039 |
| Average total loans | $126,999,000 | 2,933 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 3,048 |
| Cost of funding earning assets | 0.3893% | 2,179 |
| Net interest margin | 3.0699% | 3,077 |
| Noninterest income to average assets | 0.8663% | 1,420 |
| Noninterest expense to average assets | 2.0479% | 3,569 |
| Loan and lease loss provision to assets | 0.2565% | 402 |
| Net operating income to assets | 1.1968% | 2,161 |
| Return on assets (ROA) | 1.1968% | 2,236 |
| Pretax return on assets | 1.4381% | 2,173 |
| Return on Equity (ROE) | 11.2060% | 2,301 |
| Retained earnings to average equity (ytd only) | 11.0281% | 1,396 |
| Net charge-offs to loans | -0.0258% | 4,110 |
| Credit loss provision to net charge-offs | -1,687.5000% | 3,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7208% | 3,709 |
| Assets per employee ($millions) | 7.1920% | 1,657 |
| Cash dividends to net income (ytd only)* | 1.5873% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0223% | 145 |
| Loan loss allowance to noncurrent loans | 229.3210% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 1,268 |
| Noncurrent loans to loans | 1.3179% | 987 |
| Net loans and leases to total assets | 53.4664% | 3,291 |
| Net loans and leases to deposits | 61.3703% | 3,379 |
| Net loans and leases to core deposits | 65.4487% | 3,284 |
| Total domestic deposits to total assets | 87.1211% | 2,270 |
| Equity capital to assets | 10.2152% | 2,509 |
| Core capital (leverage) ratio | 10.3600% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,560,000 | 3,002 |
| Average earning assets | $197,269,000 | 2,995 |
| Average equity | $22,488,000 | 3,042 |
| Average total loans | $124,042,500 | 2,974 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 943 |
| Cost of funding earning assets | 0.6172% | 2,198 |
| Net interest margin | 4.0558% | 862 |
| Noninterest income to average assets | 0.7045% | 1,851 |
| Noninterest expense to average assets | 2.6340% | 2,440 |
| Loan and lease loss provision to assets | 0.5602% | 388 |
| Net operating income to assets | 1.0593% | 2,068 |
| Return on assets (ROA) | 1.0593% | 2,207 |
| Pretax return on assets | 1.2698% | 2,084 |
| Return on Equity (ROE) | 8.5899% | 2,558 |
| Retained earnings to average equity (ytd only) | 4.8639% | 2,335 |
| Net charge-offs to loans | 0.0640% | 1,862 |
| Credit loss provision to net charge-offs | 1,237.5000% | 669 |
| Earnings coverage of net charge-offs (x) | 40.4250% | 1,383 |
| Efficiency ratio | 59.0062% | 3,589 |
| Assets per employee ($millions) | 6.1927% | 2,174 |
| Cash dividends to net income (ytd only)* | 43.3761% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8538% | 169 |
| Loan loss allowance to noncurrent loans | 220.6300% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 1,244 |
| Noncurrent loans to loans | 1.2935% | 1,060 |
| Net loans and leases to total assets | 61.3589% | 2,680 |
| Net loans and leases to deposits | 71.4324% | 2,745 |
| Net loans and leases to core deposits | 76.9075% | 2,644 |
| Total domestic deposits to total assets | 85.8978% | 2,405 |
| Equity capital to assets | 11.2032% | 2,098 |
| Core capital (leverage) ratio | 10.7371% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,727,600 | 3,130 |
| Average earning assets | $163,813,200 | 3,131 |
| Average equity | $21,793,000 | 3,029 |
| Average total loans | $124,929,400 | 2,924 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 668 |
| Cost of funding earning assets | 0.6632% | 2,245 |
| Net interest margin | 4.2849% | 608 |
| Noninterest income to average assets | 0.6987% | 1,809 |
| Noninterest expense to average assets | 2.6414% | 2,411 |
| Loan and lease loss provision to assets | 0.5602% | 478 |
| Net operating income to assets | 1.1375% | 1,860 |
| Return on assets (ROA) | 1.1375% | 1,977 |
| Pretax return on assets | 1.4580% | 1,547 |
| Return on Equity (ROE) | 8.9866% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.4603% | 1,900 |
| Net charge-offs to loans | 0.0630% | 1,706 |
| Credit loss provision to net charge-offs | 1,220.3390% | 723 |
| Earnings coverage of net charge-offs (x) | 43.9661% | 1,288 |
| Efficiency ratio | 56.6873% | 3,834 |
| Assets per employee ($millions) | 6.0315% | 2,237 |
| Cash dividends to net income (ytd only)* | 28.1122% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 227 |
| Loan loss allowance to noncurrent loans | 201.0284% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 1,242 |
| Noncurrent loans to loans | 1.2467% | 1,214 |
| Net loans and leases to total assets | 71.4379% | 1,754 |
| Net loans and leases to deposits | 84.6212% | 1,846 |
| Net loans and leases to core deposits | 92.2445% | 1,775 |
| Total domestic deposits to total assets | 84.4208% | 2,668 |
| Equity capital to assets | 12.2843% | 1,527 |
| Core capital (leverage) ratio | 11.4827% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,367,750 | 3,165 |
| Average earning assets | $158,411,250 | 3,167 |
| Average equity | $21,691,000 | 3,029 |
| Average total loans | $124,870,500 | 2,932 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 547 |
| Cost of funding earning assets | 0.7042% | 2,355 |
| Net interest margin | 4.5154% | 486 |
| Noninterest income to average assets | 0.6886% | 1,785 |
| Noninterest expense to average assets | 2.7269% | 2,303 |
| Loan and lease loss provision to assets | 0.5352% | 639 |
| Net operating income to assets | 1.2546% | 1,479 |
| Return on assets (ROA) | 1.2546% | 1,598 |
| Pretax return on assets | 1.5900% | 1,251 |
| Return on Equity (ROE) | 9.8085% | 2,044 |
| Retained earnings to average equity (ytd only) | 5.9874% | 2,087 |
| Net charge-offs to loans | 0.0392% | 1,957 |
| Credit loss provision to net charge-offs | 1,875.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 74.4583% | 846 |
| Efficiency ratio | 56.2010% | 3,916 |
| Assets per employee ($millions) | 5.9293% | 2,247 |
| Cash dividends to net income (ytd only)* | 38.9573% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3558% | 269 |
| Loan loss allowance to noncurrent loans | 179.9534% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 1,029 |
| Noncurrent loans to loans | 1.3091% | 1,182 |
| Net loans and leases to total assets | 71.9545% | 1,713 |
| Net loans and leases to deposits | 85.2825% | 1,849 |
| Net loans and leases to core deposits | 93.0986% | 1,814 |
| Total domestic deposits to total assets | 84.3720% | 2,606 |
| Equity capital to assets | 12.2724% | 1,499 |
| Core capital (leverage) ratio | 11.6200% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,175,000 | 3,174 |
| Average earning assets | $155,070,667 | 3,178 |
| Average equity | $21,512,000 | 3,027 |
| Average total loans | $122,298,333 | 2,947 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 986 |
| Cost of funding earning assets | 0.7689% | 2,548 |
| Net interest margin | 4.2235% | 877 |
| Noninterest income to average assets | 0.7274% | 1,540 |
| Noninterest expense to average assets | 2.6794% | 2,759 |
| Loan and lease loss provision to assets | 0.4408% | 687 |
| Net operating income to assets | 1.1854% | 1,566 |
| Return on assets (ROA) | 1.1854% | 1,681 |
| Pretax return on assets | 1.4817% | 1,351 |
| Return on Equity (ROE) | 9.0666% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.0666% | 959 |
| Net charge-offs to loans | 0.0950% | 1,118 |
| Credit loss provision to net charge-offs | 642.8571% | 756 |
| Earnings coverage of net charge-offs (x) | 28.0357% | 1,220 |
| Efficiency ratio | 58.2225% | 3,973 |
| Assets per employee ($millions) | 5.2956% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4089% | 286 |
| Loan loss allowance to noncurrent loans | 209.0639% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9722% | 1,362 |
| Noncurrent loans to loans | 1.1522% | 1,440 |
| Net loans and leases to total assets | 69.4446% | 2,328 |
| Net loans and leases to deposits | 83.5132% | 2,284 |
| Net loans and leases to core deposits | 91.0654% | 2,243 |
| Total domestic deposits to total assets | 83.1540% | 3,062 |
| Equity capital to assets | 13.1856% | 1,348 |
| Core capital (leverage) ratio | 12.2907% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,323,000 | 3,187 |
| Average earning assets | $149,828,500 | 3,197 |
| Average equity | $21,353,000 | 3,042 |
| Average total loans | $117,907,500 | 2,980 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2552% | 897 |
| Cost of funding earning assets | 0.7598% | 2,872 |
| Net interest margin | 4.4954% | 719 |
| Noninterest income to average assets | 0.7511% | 1,626 |
| Noninterest expense to average assets | 2.7682% | 2,697 |
| Loan and lease loss provision to assets | 0.2975% | 567 |
| Net operating income to assets | 1.4594% | 1,160 |
| Return on assets (ROA) | 1.4594% | 1,220 |
| Pretax return on assets | 1.7922% | 959 |
| Return on Equity (ROE) | 11.4592% | 1,709 |
| Retained earnings to average equity (ytd only) | 4.2577% | 2,831 |
| Net charge-offs to loans | 0.1132% | 1,601 |
| Credit loss provision to net charge-offs | 363.6364% | 770 |
| Earnings coverage of net charge-offs (x) | 25.5455% | 1,733 |
| Efficiency ratio | 56.9843% | 4,093 |
| Assets per employee ($millions) | 4.9237% | 2,680 |
| Cash dividends to net income (ytd only)* | 62.8450% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 319 |
| Loan loss allowance to noncurrent loans | 220.9129% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 1,423 |
| Noncurrent loans to loans | 1.0126% | 1,500 |
| Net loans and leases to total assets | 71.5993% | 2,151 |
| Net loans and leases to deposits | 85.7360% | 2,130 |
| Net loans and leases to core deposits | 93.5628% | 2,108 |
| Total domestic deposits to total assets | 83.5114% | 3,016 |
| Equity capital to assets | 12.9614% | 1,552 |
| Core capital (leverage) ratio | 12.1083% | 1,708 |
| Tier 1 risk-based capital ratio | 16.1973% | 2,331 |
| Total risk-based capital ratio | 17.4591% | 2,272 |
| Memoranda: | ||
| Average total assets | $161,365,600 | 3,192 |
| Average earning assets | $147,415,800 | 3,198 |
| Average equity | $20,551,200 | 3,083 |
| Average total loans | $116,572,600 | 2,984 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2680% | 920 |
| Cost of funding earning assets | 0.7452% | 2,989 |
| Net interest margin | 4.5228% | 733 |
| Noninterest income to average assets | 0.7482% | 1,599 |
| Noninterest expense to average assets | 2.6974% | 2,872 |
| Loan and lease loss provision to assets | 0.2856% | 520 |
| Net operating income to assets | 1.4741% | 1,259 |
| Return on assets (ROA) | 1.4741% | 1,322 |
| Pretax return on assets | 1.8996% | 868 |
| Return on Equity (ROE) | 11.6266% | 1,746 |
| Retained earnings to average equity (ytd only) | 1.9649% | 4,284 |
| Net charge-offs to loans | 0.1391% | 1,155 |
| Credit loss provision to net charge-offs | 285.1240% | 986 |
| Earnings coverage of net charge-offs (x) | 21.8181% | 1,895 |
| Efficiency ratio | 55.2467% | 4,249 |
| Assets per employee ($millions) | 4.8508% | 2,730 |
| Cash dividends to net income (ytd only)* | 83.0991% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 384 |
| Loan loss allowance to noncurrent loans | 259.7748% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 1,775 |
| Noncurrent loans to loans | 0.8156% | 1,933 |
| Net loans and leases to total assets | 73.2519% | 1,954 |
| Net loans and leases to deposits | 87.9899% | 1,931 |
| Net loans and leases to core deposits | 95.4046% | 2,045 |
| Total domestic deposits to total assets | 83.2504% | 3,078 |
| Equity capital to assets | 12.8221% | 1,720 |
| Core capital (leverage) ratio | 11.7080% | 2,072 |
| Tier 1 risk-based capital ratio | 15.5300% | 2,632 |
| Total risk-based capital ratio | 16.7902% | 2,569 |
| Memoranda: | ||
| Average total assets | $161,086,500 | 3,226 |
| Average earning assets | $147,249,250 | 3,234 |
| Average equity | $20,424,000 | 3,117 |
| Average total loans | $115,966,250 | 3,020 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 993 |
| Cost of funding earning assets | 0.7155% | 3,080 |
| Net interest margin | 4.4761% | 810 |
| Noninterest income to average assets | 0.7434% | 1,547 |
| Noninterest expense to average assets | 2.7443% | 2,772 |
| Loan and lease loss provision to assets | 0.2602% | 581 |
| Net operating income to assets | 1.4397% | 1,324 |
| Return on assets (ROA) | 1.4397% | 1,370 |
| Pretax return on assets | 1.8312% | 969 |
| Return on Equity (ROE) | 11.3976% | 1,827 |
| Retained earnings to average equity (ytd only) | 3.8155% | 3,341 |
| Net charge-offs to loans | 0.0575% | 1,821 |
| Credit loss provision to net charge-offs | 636.3636% | 502 |
| Earnings coverage of net charge-offs (x) | 51.1515% | 1,074 |
| Efficiency ratio | 56.7512% | 4,157 |
| Assets per employee ($millions) | 5.0237% | 2,450 |
| Cash dividends to net income (ytd only)* | 66.5232% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 402 |
| Loan loss allowance to noncurrent loans | 312.5471% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,088 |
| Noncurrent loans to loans | 0.6685% | 2,290 |
| Net loans and leases to total assets | 72.6133% | 2,132 |
| Net loans and leases to deposits | 86.9764% | 2,132 |
| Net loans and leases to core deposits | 93.9243% | 2,245 |
| Total domestic deposits to total assets | 83.4863% | 3,055 |
| Equity capital to assets | 12.8007% | 1,688 |
| Core capital (leverage) ratio | 11.6504% | 2,061 |
| Tier 1 risk-based capital ratio | 15.6290% | 2,572 |
| Total risk-based capital ratio | 16.8888% | 2,500 |
| Memoranda: | ||
| Average total assets | $161,423,670 | 3,246 |
| Average earning assets | $147,582,330 | 3,246 |
| Average equity | $20,390,330 | 3,115 |
| Average total loans | $114,689,670 | 3,060 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 1,312 |
| Cost of funding earning assets | 0.6940% | 3,090 |
| Net interest margin | 4.3182% | 1,064 |
| Noninterest income to average assets | 0.7048% | 1,596 |
| Noninterest expense to average assets | 2.7053% | 2,894 |
| Loan and lease loss provision to assets | 0.2596% | 553 |
| Net operating income to assets | 1.3601% | 1,488 |
| Return on assets (ROA) | 1.3601% | 1,529 |
| Pretax return on assets | 1.6939% | 1,226 |
| Return on Equity (ROE) | 10.8393% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.8393% | 839 |
| Net charge-offs to loans | 0.1103% | 1,077 |
| Credit loss provision to net charge-offs | 338.7097% | 766 |
| Earnings coverage of net charge-offs (x) | 25.4839% | 1,423 |
| Efficiency ratio | 58.0679% | 4,067 |
| Assets per employee ($millions) | 4.8621% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0607% | 445 |
| Loan loss allowance to noncurrent loans | 360.7251% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,439 |
| Noncurrent loans to loans | 0.5713% | 2,620 |
| Net loans and leases to total assets | 68.6538% | 2,668 |
| Net loans and leases to deposits | 81.7402% | 2,639 |
| Net loans and leases to core deposits | 88.2033% | 2,659 |
| Total domestic deposits to total assets | 83.9903% | 3,048 |
| Equity capital to assets | 12.4740% | 1,752 |
| Core capital (leverage) ratio | 11.8631% | 1,858 |
| Tier 1 risk-based capital ratio | 16.0646% | 2,412 |
| Total risk-based capital ratio | 17.3241% | 2,353 |
| Memoranda: | ||
| Average total assets | $161,757,000 | 3,278 |
| Average earning assets | $148,116,500 | 3,288 |
| Average equity | $20,296,500 | 3,130 |
| Average total loans | $112,423,500 | 3,126 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 996 |
| Cost of funding earning assets | 0.5746% | 2,889 |
| Net interest margin | 4.4510% | 835 |
| Noninterest income to average assets | 0.7540% | 1,626 |
| Noninterest expense to average assets | 2.8120% | 2,648 |
| Loan and lease loss provision to assets | 0.2761% | 607 |
| Net operating income to assets | 1.4461% | 1,290 |
| Return on assets (ROA) | 1.4461% | 1,273 |
| Pretax return on assets | 1.7294% | 1,094 |
| Return on Equity (ROE) | 11.5343% | 1,889 |
| Retained earnings to average equity (ytd only) | 7.8485% | 1,307 |
| Net charge-offs to loans | 0.4087% | 450 |
| Credit loss provision to net charge-offs | 93.7500% | 2,667 |
| Earnings coverage of net charge-offs (x) | 6.8103% | 3,046 |
| Efficiency ratio | 58.3709% | 4,105 |
| Assets per employee ($millions) | 4.9438% | 2,568 |
| Cash dividends to net income (ytd only)* | 31.9545% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 385 |
| Loan loss allowance to noncurrent loans | 280.1453% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 1,997 |
| Noncurrent loans to loans | 0.7580% | 2,105 |
| Net loans and leases to total assets | 67.4151% | 2,951 |
| Net loans and leases to deposits | 80.5863% | 2,891 |
| Net loans and leases to core deposits | 87.0700% | 2,829 |
| Total domestic deposits to total assets | 83.6557% | 3,100 |
| Equity capital to assets | 12.6244% | 1,527 |
| Core capital (leverage) ratio | 12.0641% | 1,687 |
| Tier 1 risk-based capital ratio | 16.4354% | 2,262 |
| Total risk-based capital ratio | 17.6953% | 2,195 |
| Memoranda: | ||
| Average total assets | $152,131,200 | 3,361 |
| Average earning assets | $138,891,200 | 3,372 |
| Average equity | $19,073,600 | 3,175 |
| Average total loans | $109,612,200 | 3,137 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 933 |
| Cost of funding earning assets | 0.5411% | 2,925 |
| Net interest margin | 4.4688% | 790 |
| Noninterest income to average assets | 0.7489% | 1,679 |
| Noninterest expense to average assets | 2.7478% | 2,822 |
| Loan and lease loss provision to assets | 0.2789% | 542 |
| Net operating income to assets | 1.4067% | 1,461 |
| Return on assets (ROA) | 1.4067% | 1,458 |
| Pretax return on assets | 1.8015% | 1,011 |
| Return on Equity (ROE) | 11.2399% | 2,073 |
| Retained earnings to average equity (ytd only) | 6.2672% | 2,505 |
| Net charge-offs to loans | 0.1846% | 910 |
| Credit loss provision to net charge-offs | 207.2368% | 1,340 |
| Earnings coverage of net charge-offs (x) | 15.4607% | 2,223 |
| Efficiency ratio | 56.9124% | 4,263 |
| Assets per employee ($millions) | 4.4544% | 3,191 |
| Cash dividends to net income (ytd only)* | 44.2417% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 346 |
| Loan loss allowance to noncurrent loans | 145.5549% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1496% | 1,238 |
| Noncurrent loans to loans | 1.5308% | 1,051 |
| Net loans and leases to total assets | 72.5804% | 2,236 |
| Net loans and leases to deposits | 86.9355% | 2,271 |
| Net loans and leases to core deposits | 94.2995% | 2,255 |
| Total domestic deposits to total assets | 83.4876% | 3,126 |
| Equity capital to assets | 12.6953% | 1,474 |
| Core capital (leverage) ratio | 11.8191% | 1,906 |
| Tier 1 risk-based capital ratio | 15.7578% | 2,546 |
| Total risk-based capital ratio | 17.0197% | 2,475 |
| Memoranda: | ||
| Average total assets | $150,613,500 | 3,417 |
| Average earning assets | $137,482,750 | 3,433 |
| Average equity | $18,849,000 | 3,218 |
| Average total loans | $109,773,750 | 3,160 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 1,001 |
| Cost of funding earning assets | 0.4974% | 3,022 |
| Net interest margin | 4.4113% | 830 |
| Noninterest income to average assets | 0.7410% | 1,681 |
| Noninterest expense to average assets | 2.7791% | 2,724 |
| Loan and lease loss provision to assets | 0.2794% | 519 |
| Net operating income to assets | 1.3530% | 1,593 |
| Return on assets (ROA) | 1.3530% | 1,599 |
| Pretax return on assets | 1.7055% | 1,198 |
| Return on Equity (ROE) | 10.8636% | 2,173 |
| Retained earnings to average equity (ytd only) | 3.3542% | 3,904 |
| Net charge-offs to loans | 0.1433% | 1,062 |
| Credit loss provision to net charge-offs | 269.2308% | 1,089 |
| Earnings coverage of net charge-offs (x) | 19.1282% | 1,864 |
| Efficiency ratio | 58.3357% | 4,180 |
| Assets per employee ($millions) | 4.7635% | 2,727 |
| Cash dividends to net income (ytd only)* | 69.1249% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2474% | 344 |
| Loan loss allowance to noncurrent loans | 141.4523% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 1,275 |
| Noncurrent loans to loans | 1.5888% | 1,024 |
| Net loans and leases to total assets | 70.5949% | 2,489 |
| Net loans and leases to deposits | 84.0421% | 2,533 |
| Net loans and leases to core deposits | 90.8232% | 2,503 |
| Total domestic deposits to total assets | 83.9995% | 3,068 |
| Equity capital to assets | 12.2749% | 1,682 |
| Core capital (leverage) ratio | 11.4954% | 2,080 |
| Tier 1 risk-based capital ratio | 15.2293% | 2,768 |
| Total risk-based capital ratio | 16.4911% | 2,689 |
| Memoranda: | ||
| Average total assets | $150,334,670 | 3,433 |
| Average earning assets | $137,103,670 | 3,455 |
| Average equity | $18,723,000 | 3,251 |
| Average total loans | $108,889,000 | 3,190 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 1,050 |
| Cost of funding earning assets | 0.4511% | 3,194 |
| Net interest margin | 4.3633% | 830 |
| Noninterest income to average assets | 0.7342% | 1,687 |
| Noninterest expense to average assets | 2.7866% | 2,746 |
| Loan and lease loss provision to assets | 0.2813% | 480 |
| Net operating income to assets | 1.3129% | 1,598 |
| Return on assets (ROA) | 1.3129% | 1,605 |
| Pretax return on assets | 1.6318% | 1,291 |
| Return on Equity (ROE) | 10.4651% | 2,195 |
| Retained earnings to average equity (ytd only) | 10.4651% | 1,029 |
| Net charge-offs to loans | 0.1958% | 756 |
| Credit loss provision to net charge-offs | 198.1132% | 1,057 |
| Earnings coverage of net charge-offs (x) | 13.4717% | 1,751 |
| Efficiency ratio | 59.2930% | 4,165 |
| Assets per employee ($millions) | 4.6947% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1645% | 415 |
| Loan loss allowance to noncurrent loans | 153.6585% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 1,517 |
| Noncurrent loans to loans | 1.4087% | 1,261 |
| Net loans and leases to total assets | 72.0277% | 2,165 |
| Net loans and leases to deposits | 86.0850% | 2,160 |
| Net loans and leases to core deposits | 92.0520% | 2,300 |
| Total domestic deposits to total assets | 83.6705% | 3,445 |
| Equity capital to assets | 12.5979% | 1,428 |
| Core capital (leverage) ratio | 11.9919% | 1,657 |
| Tier 1 risk-based capital ratio | 16.2018% | 2,389 |
| Total risk-based capital ratio | 17.4636% | 2,336 |
| Memoranda: | ||
| Average total assets | $149,285,500 | 3,478 |
| Average earning assets | $135,676,500 | 3,511 |
| Average equity | $18,729,000 | 3,281 |
| Average total loans | $108,291,500 | 3,224 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 1,116 |
| Cost of funding earning assets | 0.4234% | 3,018 |
| Net interest margin | 4.3108% | 946 |
| Noninterest income to average assets | 1.0687% | 892 |
| Noninterest expense to average assets | 2.8815% | 2,519 |
| Loan and lease loss provision to assets | 0.4521% | 302 |
| Net operating income to assets | 1.2695% | 1,303 |
| Return on assets (ROA) | 1.2695% | 1,324 |
| Pretax return on assets | 1.6205% | 1,240 |
| Return on Equity (ROE) | 9.9944% | 1,889 |
| Retained earnings to average equity (ytd only) | 6.9787% | 1,080 |
| Net charge-offs to loans | 0.1281% | 1,763 |
| Credit loss provision to net charge-offs | 496.0938% | 631 |
| Earnings coverage of net charge-offs (x) | 22.7422% | 1,843 |
| Efficiency ratio | 58.1633% | 4,505 |
| Assets per employee ($millions) | 4.9447% | 2,550 |
| Cash dividends to net income (ytd only)* | 30.1739% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2098% | 362 |
| Loan loss allowance to noncurrent loans | 146.5582% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,416 |
| Noncurrent loans to loans | 1.5078% | 1,129 |
| Net loans and leases to total assets | 69.8658% | 2,536 |
| Net loans and leases to deposits | 83.3982% | 2,562 |
| Net loans and leases to core deposits | 89.6353% | 2,601 |
| Total domestic deposits to total assets | 83.7738% | 3,287 |
| Equity capital to assets | 12.4929% | 1,522 |
| Core capital (leverage) ratio | 11.8995% | 1,662 |
| Tier 1 risk-based capital ratio | 16.4512% | 2,285 |
| Total risk-based capital ratio | 17.7140% | 2,215 |
| Memoranda: | ||
| Average total assets | $140,449,600 | 3,610 |
| Average earning assets | $126,589,400 | 3,641 |
| Average equity | $17,840,000 | 3,388 |
| Average total loans | $99,960,200 | 3,350 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 1,166 |
| Cost of funding earning assets | 0.4138% | 3,051 |
| Net interest margin | 4.2733% | 989 |
| Noninterest income to average assets | 1.1689% | 749 |
| Noninterest expense to average assets | 2.8596% | 2,533 |
| Loan and lease loss provision to assets | 0.4622% | 273 |
| Net operating income to assets | 1.2786% | 1,407 |
| Return on assets (ROA) | 1.2786% | 1,436 |
| Pretax return on assets | 1.6955% | 1,141 |
| Return on Equity (ROE) | 10.0222% | 2,122 |
| Retained earnings to average equity (ytd only) | 5.9620% | 2,262 |
| Net charge-offs to loans | 0.1395% | 1,408 |
| Credit loss provision to net charge-offs | 466.0194% | 688 |
| Earnings coverage of net charge-offs (x) | 21.7573% | 1,897 |
| Efficiency ratio | 56.9948% | 4,614 |
| Assets per employee ($millions) | 4.6322% | 2,930 |
| Cash dividends to net income (ytd only)* | 40.5124% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0480% | 522 |
| Loan loss allowance to noncurrent loans | 145.1444% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 1,516 |
| Noncurrent loans to loans | 1.4110% | 1,322 |
| Net loans and leases to total assets | 76.1309% | 1,573 |
| Net loans and leases to deposits | 91.9997% | 1,565 |
| Net loans and leases to core deposits | 99.2421% | 1,775 |
| Total domestic deposits to total assets | 82.7512% | 3,538 |
| Equity capital to assets | 13.0572% | 1,356 |
| Core capital (leverage) ratio | 11.9177% | 1,747 |
| Tier 1 risk-based capital ratio | 15.9133% | 2,544 |
| Total risk-based capital ratio | 17.1744% | 2,471 |
| Memoranda: | ||
| Average total assets | $138,477,000 | 3,669 |
| Average earning assets | $124,709,250 | 3,701 |
| Average equity | $17,667,000 | 3,441 |
| Average total loans | $98,455,000 | 3,404 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,453 |
| Cost of funding earning assets | 0.3887% | 3,195 |
| Net interest margin | 4.1364% | 1,232 |
| Noninterest income to average assets | 0.7938% | 1,589 |
| Noninterest expense to average assets | 2.8385% | 2,622 |
| Loan and lease loss provision to assets | 0.1735% | 1,108 |
| Net operating income to assets | 1.0324% | 2,285 |
| Return on assets (ROA) | 1.0324% | 2,323 |
| Pretax return on assets | 1.5053% | 1,611 |
| Return on Equity (ROE) | 8.1564% | 2,940 |
| Retained earnings to average equity (ytd only) | 2.0105% | 4,452 |
| Net charge-offs to loans | 0.0630% | 2,026 |
| Credit loss provision to net charge-offs | 400.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 38.7000% | 1,277 |
| Efficiency ratio | 62.8361% | 3,844 |
| Assets per employee ($millions) | 4.7449% | 2,730 |
| Cash dividends to net income (ytd only)* | 75.3501% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 773 |
| Loan loss allowance to noncurrent loans | 131.1308% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 1,699 |
| Noncurrent loans to loans | 1.4208% | 1,343 |
| Net loans and leases to total assets | 71.2332% | 2,328 |
| Net loans and leases to deposits | 85.1792% | 2,330 |
| Net loans and leases to core deposits | 90.5712% | 2,470 |
| Total domestic deposits to total assets | 83.6274% | 3,351 |
| Equity capital to assets | 12.3142% | 1,722 |
| Core capital (leverage) ratio | 11.7227% | 1,813 |
| Tier 1 risk-based capital ratio | 15.8568% | 2,562 |
| Total risk-based capital ratio | 17.1152% | 2,502 |
| Memoranda: | ||
| Average total assets | $138,314,000 | 3,692 |
| Average earning assets | $124,504,330 | 3,729 |
| Average equity | $17,507,670 | 3,466 |
| Average total loans | $95,270,670 | 3,466 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 1,577 |
| Cost of funding earning assets | 0.3852% | 3,142 |
| Net interest margin | 4.0377% | 1,378 |
| Noninterest income to average assets | 0.7718% | 1,658 |
| Noninterest expense to average assets | 2.8643% | 2,564 |
| Loan and lease loss provision to assets | 0.1761% | 1,000 |
| Net operating income to assets | 0.9509% | 2,521 |
| Return on assets (ROA) | 0.9509% | 2,581 |
| Pretax return on assets | 1.3617% | 2,025 |
| Return on Equity (ROE) | 7.4070% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.4070% | 1,693 |
| Net charge-offs to loans | 0.0877% | 1,467 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 1,317 |
| Efficiency ratio | 65.0667% | 3,652 |
| Assets per employee ($millions) | 4.5651% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0452% | 615 |
| Loan loss allowance to noncurrent loans | 239.1582% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 2,916 |
| Noncurrent loans to loans | 0.8552% | 2,322 |
| Net loans and leases to total assets | 65.5711% | 3,037 |
| Net loans and leases to deposits | 75.7488% | 3,226 |
| Net loans and leases to core deposits | 80.7730% | 3,228 |
| Total domestic deposits to total assets | 86.5639% | 2,412 |
| Equity capital to assets | 12.8958% | 1,304 |
| Core capital (leverage) ratio | 11.9895% | 1,637 |
| Tier 1 risk-based capital ratio | 17.7376% | 1,964 |
| Total risk-based capital ratio | 18.9980% | 1,911 |
| Memoranda: | ||
| Average total assets | $136,297,000 | 3,751 |
| Average earning assets | $122,544,000 | 3,801 |
| Average equity | $17,497,000 | 3,486 |
| Average total loans | $91,244,000 | 3,569 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 1,877 |
| Cost of funding earning assets | 0.3986% | 3,012 |
| Net interest margin | 3.9828% | 1,682 |
| Noninterest income to average assets | 0.8125% | 1,705 |
| Noninterest expense to average assets | 2.8730% | 2,774 |
| Loan and lease loss provision to assets | 0.1809% | 1,319 |
| Net operating income to assets | 0.9293% | 2,684 |
| Return on assets (ROA) | 0.9293% | 2,799 |
| Pretax return on assets | 1.3430% | 2,126 |
| Return on Equity (ROE) | 7.2500% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.0866% | 3,008 |
| Net charge-offs to loans | 0.2013% | 1,381 |
| Credit loss provision to net charge-offs | 136.3636% | 1,992 |
| Earnings coverage of net charge-offs (x) | 11.4886% | 2,534 |
| Efficiency ratio | 65.3411% | 3,703 |
| Assets per employee ($millions) | 4.2388% | 3,547 |
| Cash dividends to net income (ytd only)* | 43.6334% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 631 |
| Loan loss allowance to noncurrent loans | 253.8036% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 3,117 |
| Noncurrent loans to loans | 0.7962% | 2,524 |
| Net loans and leases to total assets | 65.5969% | 3,133 |
| Net loans and leases to deposits | 76.7665% | 3,231 |
| Net loans and leases to core deposits | 82.4220% | 3,184 |
| Total domestic deposits to total assets | 85.4499% | 2,857 |
| Equity capital to assets | 12.7785% | 1,357 |
| Core capital (leverage) ratio | 12.2964% | 1,433 |
| Tier 1 risk-based capital ratio | 17.5445% | 1,994 |
| Total risk-based capital ratio | 18.8045% | 1,950 |
| Memoranda: | ||
| Average total assets | $132,684,000 | 3,788 |
| Average earning assets | $119,414,400 | 3,836 |
| Average equity | $17,006,800 | 3,554 |
| Average total loans | $87,416,400 | 3,630 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 2,025 |
| Cost of funding earning assets | 0.4032% | 2,986 |
| Net interest margin | 3.9392% | 1,858 |
| Noninterest income to average assets | 0.8256% | 1,665 |
| Noninterest expense to average assets | 2.8729% | 2,733 |
| Loan and lease loss provision to assets | 0.1819% | 1,218 |
| Net operating income to assets | 0.9145% | 2,836 |
| Return on assets (ROA) | 0.9145% | 2,962 |
| Pretax return on assets | 1.3248% | 2,331 |
| Return on Equity (ROE) | 7.1292% | 3,489 |
| Retained earnings to average equity (ytd only) | 2.8911% | 4,166 |
| Net charge-offs to loans | 0.2048% | 1,144 |
| Credit loss provision to net charge-offs | 135.3383% | 1,919 |
| Earnings coverage of net charge-offs (x) | 11.2105% | 2,514 |
| Efficiency ratio | 65.5976% | 3,661 |
| Assets per employee ($millions) | 4.2656% | 3,474 |
| Cash dividends to net income (ytd only)* | 59.4477% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 719 |
| Loan loss allowance to noncurrent loans | 276.7123% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 3,370 |
| Noncurrent loans to loans | 0.7259% | 2,858 |
| Net loans and leases to total assets | 69.3098% | 2,596 |
| Net loans and leases to deposits | 80.6091% | 2,899 |
| Net loans and leases to core deposits | 86.9141% | 2,858 |
| Total domestic deposits to total assets | 85.9825% | 2,363 |
| Equity capital to assets | 13.3759% | 1,304 |
| Core capital (leverage) ratio | 11.8881% | 1,755 |
| Tier 1 risk-based capital ratio | 17.3048% | 2,128 |
| Total risk-based capital ratio | 18.5653% | 2,085 |
| Memoranda: | ||
| Average total assets | $131,944,500 | 3,821 |
| Average earning assets | $119,040,750 | 3,864 |
| Average equity | $16,925,250 | 3,591 |
| Average total loans | $86,567,500 | 3,670 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,331 |
| Cost of funding earning assets | 0.4036% | 2,997 |
| Net interest margin | 3.8476% | 2,148 |
| Noninterest income to average assets | 0.8029% | 1,701 |
| Noninterest expense to average assets | 2.8499% | 2,845 |
| Loan and lease loss provision to assets | 0.1801% | 1,213 |
| Net operating income to assets | 0.8704% | 3,004 |
| Return on assets (ROA) | 0.8704% | 3,116 |
| Pretax return on assets | 1.2351% | 2,650 |
| Return on Equity (ROE) | 6.8796% | 3,615 |
| Retained earnings to average equity (ytd only) | 0.7947% | 5,064 |
| Net charge-offs to loans | 0.2815% | 844 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 7.8583% | 2,581 |
| Efficiency ratio | 66.8191% | 3,562 |
| Assets per employee ($millions) | 4.3311% | 3,320 |
| Cash dividends to net income (ytd only)* | 88.4483% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 655 |
| Loan loss allowance to noncurrent loans | 231.2010% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 3,195 |
| Noncurrent loans to loans | 0.8930% | 2,496 |
| Net loans and leases to total assets | 64.6577% | 3,273 |
| Net loans and leases to deposits | 74.8161% | 3,500 |
| Net loans and leases to core deposits | 80.5366% | 3,412 |
| Total domestic deposits to total assets | 86.4221% | 2,207 |
| Equity capital to assets | 12.9706% | 1,521 |
| Core capital (leverage) ratio | 11.5327% | 1,967 |
| Tier 1 risk-based capital ratio | 17.7828% | 1,995 |
| Total risk-based capital ratio | 19.0436% | 1,953 |
| Memoranda: | ||
| Average total assets | $133,269,670 | 3,823 |
| Average earning assets | $119,919,000 | 3,880 |
| Average equity | $16,861,330 | 3,604 |
| Average total loans | $85,252,330 | 3,711 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 2,834 |
| Cost of funding earning assets | 0.3993% | 3,071 |
| Net interest margin | 3.7028% | 2,660 |
| Noninterest income to average assets | 0.7678% | 1,742 |
| Noninterest expense to average assets | 2.7776% | 3,157 |
| Loan and lease loss provision to assets | 0.1779% | 1,142 |
| Net operating income to assets | 0.8063% | 3,210 |
| Return on assets (ROA) | 0.8063% | 3,329 |
| Pretax return on assets | 1.1383% | 2,941 |
| Return on Equity (ROE) | 6.4510% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.4510% | 2,165 |
| Net charge-offs to loans | 0.4565% | 494 |
| Credit loss provision to net charge-offs | 61.8557% | 1,963 |
| Earnings coverage of net charge-offs (x) | 4.5773% | 2,408 |
| Efficiency ratio | 67.8494% | 3,485 |
| Assets per employee ($millions) | 4.4757% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0677% | 734 |
| Loan loss allowance to noncurrent loans | 209.9274% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 3,094 |
| Noncurrent loans to loans | 0.9850% | 2,415 |
| Net loans and leases to total assets | 61.1659% | 3,634 |
| Net loans and leases to deposits | 70.5525% | 3,807 |
| Net loans and leases to core deposits | 75.2529% | 3,754 |
| Total domestic deposits to total assets | 86.6956% | 2,359 |
| Equity capital to assets | 12.6840% | 1,570 |
| Core capital (leverage) ratio | 11.9190% | 1,665 |
| Tier 1 risk-based capital ratio | 18.3718% | 1,889 |
| Total risk-based capital ratio | 19.6312% | 1,846 |
| Memoranda: | ||
| Average total assets | $134,938,500 | 3,820 |
| Average earning assets | $121,206,500 | 3,886 |
| Average equity | $16,865,500 | 3,610 |
| Average total loans | $84,987,500 | 3,722 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 1,798 |
| Cost of funding earning assets | 0.4092% | 3,056 |
| Net interest margin | 4.0235% | 1,638 |
| Noninterest income to average assets | 0.8103% | 1,747 |
| Noninterest expense to average assets | 2.7791% | 3,319 |
| Loan and lease loss provision to assets | 0.1951% | 1,118 |
| Net operating income to assets | 0.9914% | 2,412 |
| Return on assets (ROA) | 0.9924% | 2,501 |
| Pretax return on assets | 1.4416% | 1,750 |
| Return on Equity (ROE) | 7.9783% | 2,968 |
| Retained earnings to average equity (ytd only) | 4.7981% | 2,576 |
| Net charge-offs to loans | 0.3689% | 784 |
| Credit loss provision to net charge-offs | 79.4393% | 2,963 |
| Earnings coverage of net charge-offs (x) | 6.6573% | 3,190 |
| Efficiency ratio | 62.9572% | 4,448 |
| Assets per employee ($millions) | 4.5202% | 3,010 |
| Cash dividends to net income (ytd only)* | 39.8612% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 731 |
| Loan loss allowance to noncurrent loans | 188.2040% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 2,938 |
| Noncurrent loans to loans | 1.0928% | 2,154 |
| Net loans and leases to total assets | 62.1964% | 3,532 |
| Net loans and leases to deposits | 72.5498% | 3,662 |
| Net loans and leases to core deposits | 77.2122% | 3,642 |
| Total domestic deposits to total assets | 85.7292% | 2,762 |
| Equity capital to assets | 12.3151% | 1,728 |
| Core capital (leverage) ratio | 11.7557% | 1,776 |
| Tier 1 risk-based capital ratio | 16.9425% | 2,301 |
| Total risk-based capital ratio | 18.2022% | 2,247 |
| Memoranda: | ||
| Average total assets | $130,691,600 | 3,877 |
| Average earning assets | $117,062,200 | 3,948 |
| Average equity | $16,256,600 | 3,636 |
| Average total loans | $87,010,400 | 3,649 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 1,885 |
| Cost of funding earning assets | 0.4128% | 3,089 |
| Net interest margin | 4.0003% | 1,706 |
| Noninterest income to average assets | 0.8136% | 1,758 |
| Noninterest expense to average assets | 2.8126% | 3,140 |
| Loan and lease loss provision to assets | 0.1854% | 1,115 |
| Net operating income to assets | 0.9584% | 2,677 |
| Return on assets (ROA) | 0.9598% | 2,754 |
| Pretax return on assets | 1.4109% | 1,971 |
| Return on Equity (ROE) | 7.6964% | 3,234 |
| Retained earnings to average equity (ytd only) | 3.4270% | 4,034 |
| Net charge-offs to loans | 0.4753% | 519 |
| Credit loss provision to net charge-offs | 57.8778% | 2,933 |
| Earnings coverage of net charge-offs (x) | 4.9775% | 3,268 |
| Efficiency ratio | 63.8233% | 4,281 |
| Assets per employee ($millions) | 4.1695% | 3,584 |
| Cash dividends to net income (ytd only)* | 55.4722% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 1,149 |
| Loan loss allowance to noncurrent loans | 186.8565% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,053 |
| Noncurrent loans to loans | 0.9974% | 2,493 |
| Net loans and leases to total assets | 71.8189% | 2,090 |
| Net loans and leases to deposits | 83.4129% | 2,468 |
| Net loans and leases to core deposits | 89.2255% | 2,534 |
| Total domestic deposits to total assets | 86.1005% | 2,476 |
| Equity capital to assets | 13.0888% | 1,405 |
| Core capital (leverage) ratio | 11.6093% | 1,950 |
| Tier 1 risk-based capital ratio | 16.2346% | 2,698 |
| Total risk-based capital ratio | 17.4930% | 2,648 |
| Memoranda: | ||
| Average total assets | $129,463,000 | 3,935 |
| Average earning assets | $116,287,500 | 4,000 |
| Average equity | $16,145,750 | 3,686 |
| Average total loans | $87,234,750 | 3,690 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,273 |
| Cost of funding earning assets | 0.4131% | 3,123 |
| Net interest margin | 3.8593% | 2,108 |
| Noninterest income to average assets | 0.7852% | 1,844 |
| Noninterest expense to average assets | 2.7726% | 3,345 |
| Loan and lease loss provision to assets | 0.1833% | 1,112 |
| Net operating income to assets | 0.8961% | 2,895 |
| Return on assets (ROA) | 0.8982% | 3,012 |
| Pretax return on assets | 1.3000% | 2,362 |
| Return on Equity (ROE) | 7.3178% | 3,426 |
| Retained earnings to average equity (ytd only) | 0.8836% | 5,211 |
| Net charge-offs to loans | 0.5851% | 413 |
| Credit loss provision to net charge-offs | 47.8088% | 2,729 |
| Earnings coverage of net charge-offs (x) | 3.8606% | 3,126 |
| Efficiency ratio | 65.1940% | 4,153 |
| Assets per employee ($millions) | 4.2988% | 3,306 |
| Cash dividends to net income (ytd only)* | 87.9252% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 1,039 |
| Loan loss allowance to noncurrent loans | 185.2334% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 3,252 |
| Noncurrent loans to loans | 1.0605% | 2,523 |
| Net loans and leases to total assets | 66.0213% | 2,943 |
| Net loans and leases to deposits | 76.0810% | 3,261 |
| Net loans and leases to core deposits | 81.1659% | 3,263 |
| Total domestic deposits to total assets | 86.7776% | 2,280 |
| Equity capital to assets | 12.4090% | 1,710 |
| Core capital (leverage) ratio | 11.0199% | 2,401 |
| Tier 1 risk-based capital ratio | 16.3658% | 2,675 |
| Total risk-based capital ratio | 17.6248% | 2,626 |
| Memoranda: | ||
| Average total assets | $130,922,670 | 3,947 |
| Average earning assets | $117,637,000 | 3,996 |
| Average equity | $16,070,330 | 3,709 |
| Average total loans | $85,799,670 | 3,736 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 2,664 |
| Cost of funding earning assets | 0.4088% | 3,205 |
| Net interest margin | 3.7334% | 2,498 |
| Noninterest income to average assets | 0.7339% | 1,999 |
| Noninterest expense to average assets | 2.7596% | 3,388 |
| Loan and lease loss provision to assets | 0.1820% | 1,052 |
| Net operating income to assets | 0.8024% | 3,246 |
| Return on assets (ROA) | 0.8067% | 3,349 |
| Pretax return on assets | 1.1493% | 2,870 |
| Return on Equity (ROE) | 6.6071% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.6071% | 2,187 |
| Net charge-offs to loans | 1.1492% | 197 |
| Credit loss provision to net charge-offs | 24.4898% | 2,325 |
| Earnings coverage of net charge-offs (x) | 1.7837% | 2,868 |
| Efficiency ratio | 67.5575% | 3,896 |
| Assets per employee ($millions) | 4.4008% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 1,192 |
| Loan loss allowance to noncurrent loans | 156.4394% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 3,111 |
| Noncurrent loans to loans | 1.2452% | 2,297 |
| Net loans and leases to total assets | 62.9830% | 3,238 |
| Net loans and leases to deposits | 72.5041% | 3,491 |
| Net loans and leases to core deposits | 76.8652% | 3,507 |
| Total domestic deposits to total assets | 86.8682% | 2,444 |
| Equity capital to assets | 12.3077% | 1,818 |
| Core capital (leverage) ratio | 11.1959% | 2,234 |
| Tier 1 risk-based capital ratio | 16.6747% | 2,605 |
| Total risk-based capital ratio | 17.9332% | 2,556 |
| Memoranda: | ||
| Average total assets | $131,902,500 | 3,957 |
| Average earning assets | $118,391,000 | 4,008 |
| Average equity | $16,104,000 | 3,732 |
| Average total loans | $85,275,000 | 3,765 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 2,291 |
| Cost of funding earning assets | 0.4383% | 3,299 |
| Net interest margin | 3.9401% | 2,087 |
| Noninterest income to average assets | 0.7942% | 1,902 |
| Noninterest expense to average assets | 2.7425% | 3,705 |
| Loan and lease loss provision to assets | 0.1882% | 1,363 |
| Net operating income to assets | 1.1855% | 1,633 |
| Return on assets (ROA) | 1.1995% | 1,648 |
| Pretax return on assets | 1.4183% | 1,824 |
| Return on Equity (ROE) | 10.0198% | 2,111 |
| Retained earnings to average equity (ytd only) | 6.8632% | 1,465 |
| Net charge-offs to loans | 0.0335% | 4,159 |
| Credit loss provision to net charge-offs | 888.8889% | 305 |
| Earnings coverage of net charge-offs (x) | 75.1111% | 672 |
| Efficiency ratio | 63.3008% | 4,704 |
| Assets per employee ($millions) | 4.3927% | 3,203 |
| Cash dividends to net income (ytd only)* | 31.5033% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1424% | 896 |
| Loan loss allowance to noncurrent loans | 516.0112% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 4,953 |
| Noncurrent loans to loans | 0.4152% | 4,399 |
| Net loans and leases to total assets | 63.6726% | 3,265 |
| Net loans and leases to deposits | 74.1527% | 3,416 |
| Net loans and leases to core deposits | 77.1570% | 3,597 |
| Total domestic deposits to total assets | 85.8668% | 2,911 |
| Equity capital to assets | 12.1102% | 1,939 |
| Core capital (leverage) ratio | 11.4272% | 2,039 |
| Tier 1 risk-based capital ratio | 16.8064% | 2,593 |
| Total risk-based capital ratio | 18.0678% | 2,539 |
| Memoranda: | ||
| Average total assets | $127,548,600 | 4,027 |
| Average earning assets | $114,538,800 | 4,081 |
| Average equity | $15,269,800 | 3,784 |
| Average total loans | $80,501,200 | 3,859 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,626 |
| Cost of funding earning assets | 0.4451% | 3,313 |
| Net interest margin | 3.8573% | 2,403 |
| Noninterest income to average assets | 0.8106% | 1,852 |
| Noninterest expense to average assets | 2.6932% | 3,846 |
| Loan and lease loss provision to assets | 0.1897% | 1,282 |
| Net operating income to assets | 0.9561% | 2,658 |
| Return on assets (ROA) | 0.9719% | 2,652 |
| Pretax return on assets | 1.4314% | 1,883 |
| Return on Equity (ROE) | 8.1424% | 3,128 |
| Retained earnings to average equity (ytd only) | 3.8857% | 3,885 |
| Net charge-offs to loans | 0.0152% | 4,248 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 168.4400% | 370 |
| Efficiency ratio | 62.7610% | 4,770 |
| Assets per employee ($millions) | 4.1047% | 3,661 |
| Cash dividends to net income (ytd only)* | 52.2777% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0937% | 1,097 |
| Loan loss allowance to noncurrent loans | 562.6959% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 5,208 |
| Noncurrent loans to loans | 0.3721% | 4,794 |
| Net loans and leases to total assets | 68.1647% | 2,504 |
| Net loans and leases to deposits | 78.7950% | 2,865 |
| Net loans and leases to core deposits | 82.6096% | 3,048 |
| Total domestic deposits to total assets | 86.5089% | 2,585 |
| Equity capital to assets | 12.4533% | 1,733 |
| Core capital (leverage) ratio | 11.0485% | 2,439 |
| Tier 1 risk-based capital ratio | 16.4276% | 2,844 |
| Total risk-based capital ratio | 17.6891% | 2,791 |
| Memoranda: | ||
| Average total assets | $126,490,250 | 4,075 |
| Average earning assets | $114,136,000 | 4,124 |
| Average equity | $15,097,500 | 3,835 |
| Average total loans | $79,190,000 | 3,926 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 3,081 |
| Cost of funding earning assets | 0.4454% | 3,383 |
| Net interest margin | 3.7196% | 2,883 |
| Noninterest income to average assets | 0.7852% | 1,900 |
| Noninterest expense to average assets | 2.6111% | 4,203 |
| Loan and lease loss provision to assets | 0.1881% | 1,296 |
| Net operating income to assets | 0.9213% | 2,697 |
| Return on assets (ROA) | 0.9451% | 2,675 |
| Pretax return on assets | 1.3714% | 1,996 |
| Return on Equity (ROE) | 8.0302% | 3,071 |
| Retained earnings to average equity (ytd only) | 1.9443% | 4,906 |
| Net charge-offs to loans | 0.0052% | 4,204 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 486.5000% | 145 |
| Efficiency ratio | 63.1300% | 4,835 |
| Assets per employee ($millions) | 4.3130% | 3,249 |
| Cash dividends to net income (ytd only)* | 75.7877% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 1,144 |
| Loan loss allowance to noncurrent loans | 571.1475% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 5,364 |
| Noncurrent loans to loans | 0.3710% | 4,882 |
| Net loans and leases to total assets | 64.3433% | 3,024 |
| Net loans and leases to deposits | 73.8506% | 3,339 |
| Net loans and leases to core deposits | 77.3381% | 3,505 |
| Total domestic deposits to total assets | 87.1262% | 2,384 |
| Equity capital to assets | 12.0087% | 1,974 |
| Core capital (leverage) ratio | 10.6530% | 2,768 |
| Tier 1 risk-based capital ratio | 16.3978% | 2,879 |
| Total risk-based capital ratio | 17.6591% | 2,829 |
| Memoranda: | ||
| Average total assets | $127,607,000 | 4,083 |
| Average earning assets | $114,958,670 | 4,127 |
| Average equity | $15,018,330 | 3,854 |
| Average total loans | $77,009,000 | 4,006 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,651 |
| Cost of funding earning assets | 0.4395% | 3,537 |
| Net interest margin | 3.5679% | 3,402 |
| Noninterest income to average assets | 0.7356% | 2,009 |
| Noninterest expense to average assets | 2.5358% | 4,498 |
| Loan and lease loss provision to assets | 0.1862% | 1,282 |
| Net operating income to assets | 0.8536% | 2,881 |
| Return on assets (ROA) | 0.8536% | 2,951 |
| Pretax return on assets | 1.2136% | 2,428 |
| Return on Equity (ROE) | 7.3248% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.3248% | 1,895 |
| Net charge-offs to loans | -0.0108% | 5,080 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4322% | 4,793 |
| Assets per employee ($millions) | 4.4398% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 1,157 |
| Loan loss allowance to noncurrent loans | 533.5443% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 5,452 |
| Noncurrent loans to loans | 0.4123% | 4,896 |
| Net loans and leases to total assets | 58.2115% | 3,809 |
| Net loans and leases to deposits | 66.4394% | 4,036 |
| Net loans and leases to core deposits | 70.0052% | 4,094 |
| Total domestic deposits to total assets | 87.6158% | 2,446 |
| Equity capital to assets | 11.7659% | 2,041 |
| Core capital (leverage) ratio | 10.6562% | 2,753 |
| Tier 1 risk-based capital ratio | 17.5643% | 2,462 |
| Total risk-based capital ratio | 18.8264% | 2,426 |
| Memoranda: | ||
| Average total assets | $128,872,500 | 4,088 |
| Average earning assets | $115,586,500 | 4,149 |
| Average equity | $15,017,500 | 3,859 |
| Average total loans | $74,403,500 | 4,126 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 3,613 |
| Cost of funding earning assets | 0.5143% | 3,456 |
| Net interest margin | 3.6185% | 3,383 |
| Noninterest income to average assets | 0.7638% | 2,242 |
| Noninterest expense to average assets | 2.5133% | 4,726 |
| Loan and lease loss provision to assets | 0.1944% | 1,907 |
| Net operating income to assets | 1.1733% | 1,673 |
| Return on assets (ROA) | 1.1623% | 1,771 |
| Pretax return on assets | 1.2805% | 2,229 |
| Return on Equity (ROE) | 10.0638% | 2,087 |
| Retained earnings to average equity (ytd only) | 7.5952% | 1,198 |
| Net charge-offs to loans | 0.0140% | 5,172 |
| Credit loss provision to net charge-offs | 2,400.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 183.6000% | 250 |
| Efficiency ratio | 62.8265% | 5,087 |
| Assets per employee ($millions) | 4.4480% | 2,994 |
| Cash dividends to net income (ytd only)* | 24.5296% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 1,115 |
| Loan loss allowance to noncurrent loans | 415.3453% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 5,257 |
| Noncurrent loans to loans | 0.5418% | 4,640 |
| Net loans and leases to total assets | 54.6918% | 4,502 |
| Net loans and leases to deposits | 63.0552% | 4,602 |
| Net loans and leases to core deposits | 66.3101% | 4,671 |
| Total domestic deposits to total assets | 86.7364% | 2,862 |
| Equity capital to assets | 11.5403% | 2,136 |
| Core capital (leverage) ratio | 10.7745% | 2,598 |
| Tier 1 risk-based capital ratio | 17.7355% | 2,324 |
| Total risk-based capital ratio | 18.9973% | 2,297 |
| Memoranda: | ||
| Average total assets | $123,465,000 | 4,199 |
| Average earning assets | $110,431,600 | 4,248 |
| Average equity | $14,259,000 | 4,014 |
| Average total loans | $71,499,200 | 4,206 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 3,553 |
| Cost of funding earning assets | 0.5342% | 3,427 |
| Net interest margin | 3.6202% | 3,361 |
| Noninterest income to average assets | 0.7481% | 2,375 |
| Noninterest expense to average assets | 2.5305% | 4,622 |
| Loan and lease loss provision to assets | 0.1966% | 1,856 |
| Net operating income to assets | 0.9272% | 2,702 |
| Return on assets (ROA) | 0.9152% | 2,860 |
| Pretax return on assets | 1.2538% | 2,499 |
| Return on Equity (ROE) | 7.9229% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.5949% | 3,402 |
| Net charge-offs to loans | 0.0187% | 4,756 |
| Credit loss provision to net charge-offs | 1,800.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 134.3301% | 404 |
| Efficiency ratio | 63.3060% | 4,921 |
| Assets per employee ($millions) | 4.0715% | 3,696 |
| Cash dividends to net income (ytd only)* | 42.0045% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 1,450 |
| Loan loss allowance to noncurrent loans | 432.0442% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 5,408 |
| Noncurrent loans to loans | 0.4928% | 4,966 |
| Net loans and leases to total assets | 58.8571% | 3,875 |
| Net loans and leases to deposits | 67.1828% | 4,155 |
| Net loans and leases to core deposits | 70.8174% | 4,234 |
| Total domestic deposits to total assets | 87.6074% | 2,357 |
| Equity capital to assets | 11.7303% | 2,103 |
| Core capital (leverage) ratio | 10.5028% | 3,003 |
| Tier 1 risk-based capital ratio | 16.8134% | 2,799 |
| Total risk-based capital ratio | 18.0734% | 2,746 |
| Memoranda: | ||
| Average total assets | $122,083,250 | 4,275 |
| Average earning assets | $109,568,000 | 4,318 |
| Average equity | $14,102,250 | 4,091 |
| Average total loans | $71,331,000 | 4,252 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 3,704 |
| Cost of funding earning assets | 0.5516% | 3,394 |
| Net interest margin | 3.5583% | 3,525 |
| Noninterest income to average assets | 0.7127% | 2,579 |
| Noninterest expense to average assets | 2.5053% | 4,703 |
| Loan and lease loss provision to assets | 0.1966% | 1,932 |
| Net operating income to assets | 0.8831% | 2,881 |
| Return on assets (ROA) | 0.8651% | 3,122 |
| Pretax return on assets | 1.1781% | 2,773 |
| Return on Equity (ROE) | 7.5283% | 3,338 |
| Retained earnings to average equity (ytd only) | 2.5094% | 4,700 |
| Net charge-offs to loans | 0.0142% | 4,564 |
| Credit loss provision to net charge-offs | 2,400.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 170.8000% | 290 |
| Efficiency ratio | 64.1628% | 4,847 |
| Assets per employee ($millions) | 4.1414% | 3,490 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 1,802 |
| Loan loss allowance to noncurrent loans | 414.5604% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 5,463 |
| Noncurrent loans to loans | 0.4878% | 5,042 |
| Net loans and leases to total assets | 60.8751% | 3,507 |
| Net loans and leases to deposits | 69.3962% | 3,801 |
| Net loans and leases to core deposits | 73.0256% | 3,920 |
| Total domestic deposits to total assets | 87.7211% | 2,433 |
| Equity capital to assets | 11.6728% | 2,156 |
| Core capital (leverage) ratio | 10.1542% | 3,289 |
| Tier 1 risk-based capital ratio | 16.2475% | 3,073 |
| Total risk-based capital ratio | 17.5064% | 3,012 |
| Memoranda: | ||
| Average total assets | $122,062,670 | 4,302 |
| Average earning assets | $109,491,670 | 4,349 |
| Average equity | $14,027,000 | 4,145 |
| Average total loans | $70,623,000 | 4,289 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,930 |
| Cost of funding earning assets | 0.5698% | 3,386 |
| Net interest margin | 3.4767% | 3,803 |
| Noninterest income to average assets | 0.6664% | 2,778 |
| Noninterest expense to average assets | 2.4772% | 4,836 |
| Loan and lease loss provision to assets | 0.1951% | 1,898 |
| Net operating income to assets | 0.8195% | 3,050 |
| Return on assets (ROA) | 0.7835% | 3,391 |
| Pretax return on assets | 1.0598% | 3,109 |
| Return on Equity (ROE) | 6.8705% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.8705% | 2,221 |
| Net charge-offs to loans | 0.0350% | 3,537 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 66.8333% | 542 |
| Efficiency ratio | 65.5202% | 4,743 |
| Assets per employee ($millions) | 4.2042% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0592% | 1,893 |
| Loan loss allowance to noncurrent loans | 363.8191% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 5,547 |
| Noncurrent loans to loans | 0.5660% | 5,020 |
| Net loans and leases to total assets | 54.6046% | 4,315 |
| Net loans and leases to deposits | 61.9502% | 4,557 |
| Net loans and leases to core deposits | 65.0097% | 4,650 |
| Total domestic deposits to total assets | 88.1427% | 2,230 |
| Equity capital to assets | 11.2246% | 2,712 |
| Core capital (leverage) ratio | 10.1036% | 3,271 |
| Tier 1 risk-based capital ratio | 16.7413% | 2,888 |
| Total risk-based capital ratio | 18.0004% | 2,853 |
| Memoranda: | ||
| Average total assets | $123,044,000 | 4,330 |
| Average earning assets | $110,218,500 | 4,366 |
| Average equity | $14,031,000 | 4,190 |
| Average total loans | $68,624,500 | 4,391 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 3,380 |
| Cost of funding earning assets | 0.7172% | 3,351 |
| Net interest margin | 3.7850% | 3,289 |
| Noninterest income to average assets | 0.7860% | 2,328 |
| Noninterest expense to average assets | 2.6825% | 4,466 |
| Loan and lease loss provision to assets | 0.3583% | 1,863 |
| Net operating income to assets | 0.8261% | 3,153 |
| Return on assets (ROA) | 0.8261% | 3,413 |
| Pretax return on assets | 1.0659% | 3,286 |
| Return on Equity (ROE) | 6.8098% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.8126% | 3,526 |
| Net charge-offs to loans | 0.1079% | 4,587 |
| Credit loss provision to net charge-offs | 574.2857% | 428 |
| Earnings coverage of net charge-offs (x) | 22.8286% | 1,243 |
| Efficiency ratio | 65.3212% | 4,641 |
| Assets per employee ($millions) | 3.9988% | 3,953 |
| Cash dividends to net income (ytd only)* | 44.0129% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 1,811 |
| Loan loss allowance to noncurrent loans | 359.2784% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 5,491 |
| Noncurrent loans to loans | 0.5797% | 5,078 |
| Net loans and leases to total assets | 54.6310% | 4,523 |
| Net loans and leases to deposits | 62.2520% | 4,757 |
| Net loans and leases to core deposits | 65.0169% | 4,832 |
| Total domestic deposits to total assets | 87.7579% | 2,374 |
| Equity capital to assets | 11.5911% | 2,357 |
| Core capital (leverage) ratio | 10.8258% | 2,411 |
| Tier 1 risk-based capital ratio | 17.1649% | 2,578 |
| Total risk-based capital ratio | 18.4247% | 2,544 |
| Memoranda: | ||
| Average total assets | $112,210,800 | 4,542 |
| Average earning assets | $98,440,600 | 4,627 |
| Average equity | $13,612,800 | 4,235 |
| Average total loans | $64,876,200 | 4,551 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 3,315 |
| Cost of funding earning assets | 0.7590% | 3,278 |
| Net interest margin | 3.8154% | 3,265 |
| Noninterest income to average assets | 0.7956% | 2,261 |
| Noninterest expense to average assets | 2.7362% | 4,231 |
| Loan and lease loss provision to assets | 0.4135% | 1,546 |
| Net operating income to assets | 0.7787% | 3,554 |
| Return on assets (ROA) | 0.7787% | 3,803 |
| Pretax return on assets | 0.9890% | 3,756 |
| Return on Equity (ROE) | 6.3417% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.3240% | 5,176 |
| Net charge-offs to loans | 0.2403% | 3,283 |
| Credit loss provision to net charge-offs | 294.8276% | 920 |
| Earnings coverage of net charge-offs (x) | 10.0002% | 2,239 |
| Efficiency ratio | 66.1116% | 4,433 |
| Assets per employee ($millions) | 3.7608% | 4,406 |
| Cash dividends to net income (ytd only)* | 63.3541% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 2,508 |
| Loan loss allowance to noncurrent loans | 310.3614% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 5,509 |
| Noncurrent loans to loans | 0.6094% | 5,217 |
| Net loans and leases to total assets | 61.2637% | 3,521 |
| Net loans and leases to deposits | 70.6420% | 3,811 |
| Net loans and leases to core deposits | 74.3540% | 3,930 |
| Total domestic deposits to total assets | 86.7242% | 2,838 |
| Equity capital to assets | 12.5285% | 1,873 |
| Core capital (leverage) ratio | 10.8919% | 2,496 |
| Tier 1 risk-based capital ratio | 17.0285% | 2,720 |
| Total risk-based capital ratio | 18.2867% | 2,672 |
| Memoranda: | ||
| Average total assets | $110,272,750 | 4,630 |
| Average earning assets | $96,622,250 | 4,723 |
| Average equity | $13,539,750 | 4,291 |
| Average total loans | $64,362,500 | 4,611 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 3,646 |
| Cost of funding earning assets | 0.7855% | 3,317 |
| Net interest margin | 3.7439% | 3,618 |
| Noninterest income to average assets | 0.7861% | 2,256 |
| Noninterest expense to average assets | 2.7034% | 4,405 |
| Loan and lease loss provision to assets | 0.5096% | 1,231 |
| Net operating income to assets | 0.6975% | 3,881 |
| Return on assets (ROA) | 0.6975% | 4,147 |
| Pretax return on assets | 0.8547% | 4,259 |
| Return on Equity (ROE) | 5.7192% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.5261% | 5,444 |
| Net charge-offs to loans | 0.2915% | 2,863 |
| Credit loss provision to net charge-offs | 306.5217% | 956 |
| Earnings coverage of net charge-offs (x) | 8.2065% | 2,342 |
| Efficiency ratio | 66.4594% | 4,445 |
| Assets per employee ($millions) | 3.7741% | 4,377 |
| Cash dividends to net income (ytd only)* | 73.3161% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,396 |
| Loan loss allowance to noncurrent loans | 194.4099% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 5,102 |
| Noncurrent loans to loans | 0.9996% | 4,505 |
| Net loans and leases to total assets | 57.7187% | 4,216 |
| Net loans and leases to deposits | 66.4067% | 4,457 |
| Net loans and leases to core deposits | 69.6755% | 4,568 |
| Total domestic deposits to total assets | 86.9171% | 2,822 |
| Equity capital to assets | 12.3319% | 1,919 |
| Core capital (leverage) ratio | 10.6379% | 2,677 |
| Tier 1 risk-based capital ratio | 17.4415% | 2,491 |
| Total risk-based capital ratio | 18.6986% | 2,457 |
| Memoranda: | ||
| Average total assets | $110,676,000 | 4,648 |
| Average earning assets | $97,011,000 | 4,731 |
| Average equity | $13,498,330 | 4,297 |
| Average total loans | $63,115,330 | 4,669 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 4,101 |
| Cost of funding earning assets | 0.8062% | 3,427 |
| Net interest margin | 3.6462% | 4,061 |
| Noninterest income to average assets | 0.8159% | 2,082 |
| Noninterest expense to average assets | 2.6166% | 4,756 |
| Loan and lease loss provision to assets | 0.7979% | 619 |
| Net operating income to assets | 0.5140% | 4,762 |
| Return on assets (ROA) | 0.5140% | 4,974 |
| Pretax return on assets | 0.6038% | 5,106 |
| Return on Equity (ROE) | 4.2374% | 5,177 |
| Retained earnings to average equity (ytd only) | 4.2374% | 4,051 |
| Net charge-offs to loans | 0.1857% | 2,991 |
| Credit loss provision to net charge-offs | 765.5172% | 445 |
| Earnings coverage of net charge-offs (x) | 13.4483% | 1,537 |
| Efficiency ratio | 65.1163% | 4,715 |
| Assets per employee ($millions) | 3.8602% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 2,426 |
| Loan loss allowance to noncurrent loans | 123.2809% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0844% | 4,324 |
| Noncurrent loans to loans | 1.6047% | 3,709 |
| Net loans and leases to total assets | 55.5486% | 4,463 |
| Net loans and leases to deposits | 63.7429% | 4,667 |
| Net loans and leases to core deposits | 66.9751% | 4,804 |
| Total domestic deposits to total assets | 87.1448% | 2,863 |
| Equity capital to assets | 12.1173% | 1,962 |
| Core capital (leverage) ratio | 10.7554% | 2,487 |
| Tier 1 risk-based capital ratio | 17.6037% | 2,441 |
| Total risk-based capital ratio | 18.8620% | 2,408 |
| Memoranda: | ||
| Average total assets | $111,290,000 | 4,680 |
| Average earning assets | $97,745,500 | 4,761 |
| Average equity | $13,499,000 | 4,304 |
| Average total loans | $62,461,000 | 4,715 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 3,510 |
| Cost of funding earning assets | 1.0713% | 2,872 |
| Net interest margin | 3.7961% | 3,840 |
| Noninterest income to average assets | 0.8939% | 1,688 |
| Noninterest expense to average assets | 2.9244% | 3,866 |
| Loan and lease loss provision to assets | 0.6188% | 1,660 |
| Net operating income to assets | 0.6035% | 3,983 |
| Return on assets (ROA) | 0.6035% | 4,173 |
| Pretax return on assets | 0.6968% | 4,330 |
| Return on Equity (ROE) | 4.7866% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.4612% | 4,468 |
| Net charge-offs to loans | 1.1315% | 1,508 |
| Credit loss provision to net charge-offs | 93.5252% | 3,853 |
| Earnings coverage of net charge-offs (x) | 1.9885% | 4,291 |
| Efficiency ratio | 68.9717% | 4,158 |
| Assets per employee ($millions) | 3.8149% | 4,288 |
| Cash dividends to net income (ytd only)* | 48.5804% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 3,100 |
| Loan loss allowance to noncurrent loans | 89.3188% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 4,168 |
| Noncurrent loans to loans | 1.9339% | 3,294 |
| Net loans and leases to total assets | 54.6130% | 4,930 |
| Net loans and leases to deposits | 62.6855% | 5,152 |
| Net loans and leases to core deposits | 65.5400% | 5,318 |
| Total domestic deposits to total assets | 87.1223% | 2,693 |
| Equity capital to assets | 12.1419% | 2,020 |
| Core capital (leverage) ratio | 11.0458% | 2,236 |
| Tier 1 risk-based capital ratio | 17.8542% | 2,249 |
| Total risk-based capital ratio | 19.1091% | 2,214 |
| Memoranda: | ||
| Average total assets | $105,048,400 | 4,753 |
| Average earning assets | $92,596,000 | 4,841 |
| Average equity | $13,245,400 | 4,291 |
| Average total loans | $61,422,200 | 4,813 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 3,389 |
| Cost of funding earning assets | 1.1360% | 2,727 |
| Net interest margin | 3.8028% | 3,868 |
| Noninterest income to average assets | 0.8966% | 1,666 |
| Noninterest expense to average assets | 3.0846% | 3,220 |
| Loan and lease loss provision to assets | 0.5081% | 1,951 |
| Net operating income to assets | 0.5557% | 4,292 |
| Return on assets (ROA) | 0.5557% | 4,469 |
| Pretax return on assets | 0.6625% | 4,602 |
| Return on Equity (ROE) | 4.3641% | 4,829 |
| Retained earnings to average equity (ytd only) | 1.2526% | 5,510 |
| Net charge-offs to loans | 1.1790% | 1,331 |
| Credit loss provision to net charge-offs | 72.7440% | 4,388 |
| Earnings coverage of net charge-offs (x) | 1.6759% | 4,396 |
| Efficiency ratio | 72.4909% | 3,459 |
| Assets per employee ($millions) | 3.8380% | 4,218 |
| Cash dividends to net income (ytd only)* | 71.2964% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 3,962 |
| Loan loss allowance to noncurrent loans | 46.8490% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.0970% | 3,034 |
| Noncurrent loans to loans | 3.2641% | 2,122 |
| Net loans and leases to total assets | 59.5928% | 4,210 |
| Net loans and leases to deposits | 69.0170% | 4,449 |
| Net loans and leases to core deposits | 72.6207% | 4,633 |
| Total domestic deposits to total assets | 86.3450% | 3,017 |
| Equity capital to assets | 12.8280% | 1,701 |
| Core capital (leverage) ratio | 11.2330% | 2,207 |
| Tier 1 risk-based capital ratio | 17.6945% | 2,366 |
| Total risk-based capital ratio | 18.9468% | 2,332 |
| Memoranda: | ||
| Average total assets | $103,652,250 | 4,824 |
| Average earning assets | $91,543,750 | 4,908 |
| Average equity | $13,198,500 | 4,306 |
| Average total loans | $61,407,250 | 4,853 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 3,890 |
| Cost of funding earning assets | 1.1725% | 2,761 |
| Net interest margin | 3.6718% | 4,399 |
| Noninterest income to average assets | 0.9145% | 1,604 |
| Noninterest expense to average assets | 3.0735% | 3,353 |
| Loan and lease loss provision to assets | 0.4438% | 2,219 |
| Net operating income to assets | 0.5518% | 4,303 |
| Return on assets (ROA) | 0.5518% | 4,433 |
| Pretax return on assets | 0.6541% | 4,560 |
| Return on Equity (ROE) | 4.3442% | 4,767 |
| Retained earnings to average equity (ytd only) | -0.3342% | 5,918 |
| Net charge-offs to loans | 0.9316% | 1,672 |
| Credit loss provision to net charge-offs | 80.9859% | 3,741 |
| Earnings coverage of net charge-offs (x) | 2.0035% | 3,867 |
| Efficiency ratio | 73.6818% | 3,420 |
| Assets per employee ($millions) | 3.8443% | 4,099 |
| Cash dividends to net income (ytd only)* | 107.6923% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 3,221 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.2544% | 2,910 |
| Noncurrent loans to loans | 3.4611% | 2,045 |
| Net loans and leases to total assets | 57.6087% | 4,706 |
| Net loans and leases to deposits | 66.5498% | 4,915 |
| Net loans and leases to core deposits | 69.7985% | 5,096 |
| Total domestic deposits to total assets | 86.5649% | 3,003 |
| Equity capital to assets | 12.6634% | 1,701 |
| Core capital (leverage) ratio | 10.8460% | 2,375 |
| Tier 1 risk-based capital ratio | 17.9717% | 2,182 |
| Total risk-based capital ratio | 19.2266% | 2,133 |
| Memoranda: | ||
| Average total assets | $103,661,330 | 4,865 |
| Average earning assets | $91,943,330 | 4,939 |
| Average equity | $13,167,000 | 4,302 |
| Average total loans | $60,972,330 | 4,912 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 4,363 |
| Cost of funding earning assets | 1.2037% | 2,787 |
| Net interest margin | 3.5280% | 4,889 |
| Noninterest income to average assets | 0.9035% | 1,649 |
| Noninterest expense to average assets | 3.0735% | 3,367 |
| Loan and lease loss provision to assets | 0.3282% | 2,583 |
| Net operating income to assets | 0.5174% | 4,419 |
| Return on assets (ROA) | 0.5174% | 4,501 |
| Pretax return on assets | 0.6139% | 4,633 |
| Return on Equity (ROE) | 4.0672% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.3084% | 4,203 |
| Net charge-offs to loans | 1.8743% | 690 |
| Credit loss provision to net charge-offs | 29.7203% | 4,122 |
| Earnings coverage of net charge-offs (x) | 0.8531% | 3,998 |
| Efficiency ratio | 76.5385% | 3,064 |
| Assets per employee ($millions) | 3.8877% | 4,102 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 4,231 |
| Loan loss allowance to noncurrent loans | 42.1788% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.2874% | 2,963 |
| Noncurrent loans to loans | 3.5471% | 2,099 |
| Net loans and leases to total assets | 56.8283% | 4,842 |
| Net loans and leases to deposits | 65.6284% | 5,028 |
| Net loans and leases to core deposits | 69.2875% | 5,132 |
| Total domestic deposits to total assets | 86.5910% | 3,185 |
| Equity capital to assets | 12.6106% | 1,566 |
| Core capital (leverage) ratio | 11.0177% | 2,177 |
| Tier 1 risk-based capital ratio | 18.0261% | 2,102 |
| Total risk-based capital ratio | 19.2782% | 2,075 |
| Memoranda: | ||
| Average total assets | $103,594,500 | 4,900 |
| Average earning assets | $91,383,500 | 4,992 |
| Average equity | $13,178,500 | 4,298 |
| Average total loans | $61,034,500 | 4,958 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1129% | 4,047 |
| Cost of funding earning assets | 1.4806% | 2,756 |
| Net interest margin | 3.6323% | 4,658 |
| Noninterest income to average assets | 0.8717% | 1,965 |
| Noninterest expense to average assets | 2.8341% | 4,463 |
| Loan and lease loss provision to assets | 0.2003% | 5,233 |
| Net operating income to assets | 0.8299% | 2,672 |
| Return on assets (ROA) | 0.8346% | 2,795 |
| Pretax return on assets | 1.0437% | 2,796 |
| Return on Equity (ROE) | 6.7088% | 3,256 |
| Retained earnings to average equity (ytd only) | 6.1510% | 1,746 |
| Net charge-offs to loans | 0.1522% | 5,440 |
| Credit loss provision to net charge-offs | 225.2747% | 1,321 |
| Earnings coverage of net charge-offs (x) | 13.9231% | 1,378 |
| Efficiency ratio | 69.5944% | 4,268 |
| Assets per employee ($millions) | 3.7860% | 4,290 |
| Cash dividends to net income (ytd only)* | 8.3138% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,866 |
| Loan loss allowance to noncurrent loans | 99.6400% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 4,469 |
| Noncurrent loans to loans | 1.8062% | 3,807 |
| Net loans and leases to total assets | 59.0920% | 4,823 |
| Net loans and leases to deposits | 68.3810% | 5,052 |
| Net loans and leases to core deposits | 73.0508% | 5,092 |
| Total domestic deposits to total assets | 86.4158% | 3,125 |
| Equity capital to assets | 12.8348% | 1,471 |
| Core capital (leverage) ratio | 11.4610% | 1,851 |
| Tier 1 risk-based capital ratio | 17.6570% | 2,106 |
| Total risk-based capital ratio | 18.9125% | 2,073 |
| Memoranda: | ||
| Average total assets | $102,324,000 | 4,919 |
| Average earning assets | $90,163,400 | 5,011 |
| Average equity | $12,729,600 | 4,417 |
| Average total loans | $59,806,600 | 5,079 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 4,565 |
| Cost of funding earning assets | 1.5535% | 2,644 |
| Net interest margin | 3.5025% | 5,282 |
| Noninterest income to average assets | 0.8559% | 1,975 |
| Noninterest expense to average assets | 2.8255% | 4,372 |
| Loan and lease loss provision to assets | 0.2149% | 4,917 |
| Net operating income to assets | 0.7168% | 3,336 |
| Return on assets (ROA) | 0.7230% | 3,462 |
| Pretax return on assets | 0.9158% | 3,507 |
| Return on Equity (ROE) | 5.8580% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.1086% | 2,910 |
| Net charge-offs to loans | -0.0180% | 7,341 |
| Credit loss provision to net charge-offs | -2,062.5000% | 7,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5605% | 3,789 |
| Assets per employee ($millions) | 3.7951% | 4,280 |
| Cash dividends to net income (ytd only)* | 12.7922% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 3,114 |
| Loan loss allowance to noncurrent loans | 98.3966% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2739% | 4,596 |
| Noncurrent loans to loans | 1.7408% | 4,030 |
| Net loans and leases to total assets | 67.8065% | 3,263 |
| Net loans and leases to deposits | 79.6614% | 3,510 |
| Net loans and leases to core deposits | 85.0043% | 3,799 |
| Total domestic deposits to total assets | 85.1184% | 3,561 |
| Equity capital to assets | 13.0564% | 1,550 |
| Core capital (leverage) ratio | 10.7799% | 2,435 |
| Tier 1 risk-based capital ratio | 16.7612% | 2,427 |
| Total risk-based capital ratio | 18.0175% | 2,393 |
| Memoranda: | ||
| Average total assets | $102,349,500 | 4,977 |
| Average earning assets | $90,371,750 | 5,052 |
| Average equity | $12,632,000 | 4,514 |
| Average total loans | $59,380,250 | 5,175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 5,914 |
| Cost of funding earning assets | 1.5965% | 2,677 |
| Net interest margin | 3.1668% | 6,415 |
| Noninterest income to average assets | 0.8573% | 1,849 |
| Noninterest expense to average assets | 2.7864% | 4,552 |
| Loan and lease loss provision to assets | 0.1159% | 5,744 |
| Net operating income to assets | 0.6044% | 3,862 |
| Return on assets (ROA) | 0.6044% | 3,997 |
| Pretax return on assets | 0.7434% | 4,087 |
| Return on Equity (ROE) | 4.9887% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.9887% | 2,906 |
| Net charge-offs to loans | -0.0319% | 7,363 |
| Credit loss provision to net charge-offs | -666.6667% | 6,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4301% | 2,994 |
| Assets per employee ($millions) | 3.9031% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 2,685 |
| Loan loss allowance to noncurrent loans | 85.3698% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 4,625 |
| Noncurrent loans to loans | 2.1234% | 3,561 |
| Net loans and leases to total assets | 56.6845% | 5,597 |
| Net loans and leases to deposits | 65.4277% | 5,876 |
| Net loans and leases to core deposits | 70.4925% | 5,830 |
| Total domestic deposits to total assets | 86.6369% | 2,736 |
| Equity capital to assets | 12.5196% | 1,789 |
| Core capital (leverage) ratio | 10.6108% | 2,534 |
| Tier 1 risk-based capital ratio | 17.6288% | 2,067 |
| Total risk-based capital ratio | 18.6364% | 2,098 |
| Memoranda: | ||
| Average total assets | $103,575,330 | 4,975 |
| Average earning assets | $91,196,670 | 5,059 |
| Average equity | $12,548,330 | 4,539 |
| Average total loans | $56,483,000 | 5,334 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 6,362 |
| Cost of funding earning assets | 1.5955% | 2,994 |
| Net interest margin | 3.0686% | 6,670 |
| Noninterest income to average assets | 0.8067% | 1,984 |
| Noninterest expense to average assets | 2.7375% | 4,734 |
| Loan and lease loss provision to assets | 0.1147% | 5,464 |
| Net operating income to assets | 0.5276% | 4,247 |
| Return on assets (ROA) | 0.5276% | 4,387 |
| Pretax return on assets | 0.6385% | 4,457 |
| Return on Equity (ROE) | 4.4266% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.4266% | 3,497 |
| Net charge-offs to loans | -0.0289% | 7,179 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4228% | 2,825 |
| Assets per employee ($millions) | 4.0765% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 2,626 |
| Loan loss allowance to noncurrent loans | 90.8850% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 4,887 |
| Noncurrent loans to loans | 2.0182% | 3,769 |
| Net loans and leases to total assets | 51.8568% | 6,288 |
| Net loans and leases to deposits | 59.2478% | 6,535 |
| Net loans and leases to core deposits | 63.7082% | 6,470 |
| Total domestic deposits to total assets | 87.5252% | 2,346 |
| Equity capital to assets | 11.8285% | 2,144 |
| Core capital (leverage) ratio | 10.5258% | 2,600 |
| Tier 1 risk-based capital ratio | 17.6386% | 2,041 |
| Total risk-based capital ratio | 18.8925% | 2,015 |
| Memoranda: | ||
| Average total assets | $104,622,500 | 5,019 |
| Average earning assets | $91,507,500 | 5,121 |
| Average equity | $12,470,000 | 4,597 |
| Average total loans | $55,431,500 | 5,442 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 6,016 |
| Cost of funding earning assets | 1.8433% | 3,768 |
| Net interest margin | 3.2736% | 5,843 |
| Noninterest income to average assets | 0.8306% | 2,268 |
| Noninterest expense to average assets | 2.9253% | 4,442 |
| Loan and lease loss provision to assets | 0.1210% | 6,433 |
| Net operating income to assets | 0.7177% | 2,865 |
| Return on assets (ROA) | 0.2268% | 4,880 |
| Pretax return on assets | 0.1542% | 5,103 |
| Return on Equity (ROE) | 1.8256% | 4,973 |
| Retained earnings to average equity (ytd only) | -0.4706% | 5,095 |
| Net charge-offs to loans | 0.6477% | 3,248 |
| Credit loss provision to net charge-offs | 33.7079% | 6,877 |
| Earnings coverage of net charge-offs (x) | 2.1348% | 4,127 |
| Efficiency ratio | 79.2463% | 3,002 |
| Assets per employee ($millions) | 3.5605% | 4,867 |
| Cash dividends to net income (ytd only)* | 125.7778% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 2,511 |
| Loan loss allowance to noncurrent loans | 80.1453% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2765% | 4,534 |
| Noncurrent loans to loans | 2.2579% | 3,327 |
| Net loans and leases to total assets | 52.1815% | 6,403 |
| Net loans and leases to deposits | 59.7452% | 6,649 |
| Net loans and leases to core deposits | 74.1067% | 6,527 |
| Total domestic deposits to total assets | 87.3401% | 2,304 |
| Equity capital to assets | 12.0120% | 2,034 |
| Core capital (leverage) ratio | 10.7766% | 2,364 |
| Tier 1 risk-based capital ratio | 17.5229% | 2,018 |
| Total risk-based capital ratio | 18.7783% | 1,982 |
| Memoranda: | ||
| Average total assets | $99,202,000 | 5,104 |
| Average earning assets | $86,693,000 | 5,239 |
| Average equity | $12,325,000 | 4,670 |
| Average total loans | $54,960,600 | 5,462 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 6,012 |
| Cost of funding earning assets | 1.9015% | 3,883 |
| Net interest margin | 3.2683% | 5,757 |
| Noninterest income to average assets | 0.8338% | 2,267 |
| Noninterest expense to average assets | 2.9575% | 4,215 |
| Loan and lease loss provision to assets | 0.1222% | 6,138 |
| Net operating income to assets | 0.5161% | 3,918 |
| Return on assets (ROA) | 0.0937% | 5,539 |
| Pretax return on assets | -0.0421% | 5,774 |
| Return on Equity (ROE) | 0.7476% | 5,566 |
| Retained earnings to average equity (ytd only) | -2.3187% | 5,782 |
| Net charge-offs to loans | 0.0873% | 5,816 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 15.1385% | 1,550 |
| Efficiency ratio | 79.9853% | 2,845 |
| Assets per employee ($millions) | 3.3303% | 5,306 |
| Cash dividends to net income (ytd only)* | 410.1304% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 1,394 |
| Loan loss allowance to noncurrent loans | 81.8240% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8503% | 3,586 |
| Noncurrent loans to loans | 2.7079% | 2,798 |
| Net loans and leases to total assets | 58.6270% | 5,786 |
| Net loans and leases to deposits | 67.6003% | 6,165 |
| Net loans and leases to core deposits | 85.3011% | 5,939 |
| Total domestic deposits to total assets | 86.7260% | 2,312 |
| Equity capital to assets | 12.6910% | 1,837 |
| Core capital (leverage) ratio | 10.8644% | 2,512 |
| Tier 1 risk-based capital ratio | 17.0737% | 2,254 |
| Total risk-based capital ratio | 18.3338% | 2,200 |
| Memoranda: | ||
| Average total assets | $98,188,750 | 5,169 |
| Average earning assets | $86,036,500 | 5,302 |
| Average equity | $12,305,500 | 4,714 |
| Average total loans | $54,982,500 | 5,516 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 6,244 |
| Cost of funding earning assets | 1.9749% | 3,892 |
| Net interest margin | 3.1784% | 5,989 |
| Noninterest income to average assets | 0.8306% | 2,269 |
| Noninterest expense to average assets | 2.8949% | 4,518 |
| Loan and lease loss provision to assets | 0.1215% | 5,901 |
| Net operating income to assets | 0.4835% | 4,153 |
| Return on assets (ROA) | -0.1479% | 6,123 |
| Pretax return on assets | -0.4011% | 6,325 |
| Return on Equity (ROE) | -1.1849% | 6,097 |
| Retained earnings to average equity (ytd only) | -5.7784% | 6,415 |
| Net charge-offs to loans | 0.0407% | 5,896 |
| Credit loss provision to net charge-offs | 545.4545% | 852 |
| Earnings coverage of net charge-offs (x) | 31.7273% | 955 |
| Efficiency ratio | 80.3712% | 2,983 |
| Assets per employee ($millions) | 3.3090% | 5,294 |
| Cash dividends to net income (ytd only)* | -387.6712% | 8,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 1,075 |
| Loan loss allowance to noncurrent loans | 74.4321% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.0769% | 3,091 |
| Noncurrent loans to loans | 3.1234% | 2,286 |
| Net loans and leases to total assets | 55.9544% | 6,210 |
| Net loans and leases to deposits | 64.3285% | 6,532 |
| Net loans and leases to core deposits | 80.8721% | 6,334 |
| Total domestic deposits to total assets | 86.9823% | 2,268 |
| Equity capital to assets | 12.5560% | 1,895 |
| Core capital (leverage) ratio | 10.5891% | 2,738 |
| Tier 1 risk-based capital ratio | 17.5966% | 2,113 |
| Total risk-based capital ratio | 18.8581% | 2,066 |
| Memoranda: | ||
| Average total assets | $98,725,000 | 5,192 |
| Average earning assets | $86,082,000 | 5,332 |
| Average equity | $12,321,670 | 4,731 |
| Average total loans | $54,008,330 | 5,599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 6,754 |
| Cost of funding earning assets | 2.0214% | 4,026 |
| Net interest margin | 3.0411% | 6,368 |
| Noninterest income to average assets | 0.7991% | 2,328 |
| Noninterest expense to average assets | 2.8530% | 4,325 |
| Loan and lease loss provision to assets | 0.1199% | 5,426 |
| Net operating income to assets | 0.4298% | 4,746 |
| Return on assets (ROA) | 0.4715% | 4,750 |
| Pretax return on assets | 0.5434% | 4,937 |
| Return on Equity (ROE) | 3.7887% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.7887% | 3,782 |
| Net charge-offs to loans | -0.2840% | 8,054 |
| Credit loss provision to net charge-offs | -78.9474% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2581% | 2,502 |
| Assets per employee ($millions) | 3.4122% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4035% | 844 |
| Loan loss allowance to noncurrent loans | 63.8916% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.0515% | 2,821 |
| Noncurrent loans to loans | 3.7618% | 1,645 |
| Net loans and leases to total assets | 53.2227% | 6,558 |
| Net loans and leases to deposits | 61.3780% | 6,778 |
| Net loans and leases to core deposits | 77.0264% | 6,605 |
| Total domestic deposits to total assets | 86.7130% | 2,356 |
| Equity capital to assets | 12.6756% | 1,898 |
| Core capital (leverage) ratio | 10.8750% | 2,600 |
| Tier 1 risk-based capital ratio | 18.3118% | 1,978 |
| Total risk-based capital ratio | 19.5746% | 1,934 |
| Memoranda: | ||
| Average total assets | $100,106,500 | 5,180 |
| Average earning assets | $87,862,000 | 5,295 |
| Average equity | $12,458,000 | 4,715 |
| Average total loans | $53,526,000 | 5,657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3745% | 3,551 |
| Cost of funding earning assets | 2.4277% | 4,589 |
| Net interest margin | 3.9468% | 3,377 |
| Noninterest income to average assets | 0.9332% | 1,842 |
| Noninterest expense to average assets | 2.9625% | 4,218 |
| Loan and lease loss provision to assets | 0.1237% | 5,779 |
| Net operating income to assets | 0.9801% | 2,634 |
| Return on assets (ROA) | 0.9961% | 2,457 |
| Pretax return on assets | 1.3405% | 2,166 |
| Return on Equity (ROE) | 8.0769% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.7107% | 1,661 |
| Net charge-offs to loans | 0.0414% | 6,198 |
| Credit loss provision to net charge-offs | 521.7391% | 835 |
| Earnings coverage of net charge-offs (x) | 60.8261% | 658 |
| Efficiency ratio | 67.2519% | 4,862 |
| Assets per employee ($millions) | 3.3753% | 5,018 |
| Cash dividends to net income (ytd only)* | 29.2961% | 4,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3150% | 837 |
| Loan loss allowance to noncurrent loans | 78.0317% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 3,115 |
| Noncurrent loans to loans | 2.9667% | 1,811 |
| Net loans and leases to total assets | 51.2152% | 6,917 |
| Net loans and leases to deposits | 58.7143% | 7,163 |
| Net loans and leases to core deposits | 73.5029% | 6,993 |
| Total domestic deposits to total assets | 87.2278% | 1,826 |
| Equity capital to assets | 12.2192% | 2,152 |
| Core capital (leverage) ratio | 10.9460% | 2,630 |
| Tier 1 risk-based capital ratio | 18.1296% | 2,012 |
| Total risk-based capital ratio | 19.3904% | 1,959 |
| Memoranda: | ||
| Average total assets | $96,978,200 | 5,143 |
| Average earning assets | $85,308,800 | 5,254 |
| Average equity | $11,960,000 | 4,838 |
| Average total loans | $55,584,800 | 5,465 |