Home > F & C Bank > Performance and Condition Ratios
F & C Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 484 |
| Cost of funding earning assets | 1.2087% | 2,777 |
| Net interest margin | 4.9995% | 314 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.7900% | 1,531 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.3778% | 271 |
| Return on assets (ROA) | 2.3778% | 264 |
| Pretax return on assets | 2.3778% | 384 |
| Return on Equity (ROE) | 23.4100% | 381 |
| Retained earnings to average equity (ytd only) | 11.9090% | 643 |
| Net charge-offs to loans | 0.0220% | 1,890 |
| Credit loss provision to net charge-offs | 496.8254% | 682 |
| Earnings coverage of net charge-offs (x) | 134.6984% | 766 |
| Efficiency ratio | 53.0538% | 3,748 |
| Assets per employee ($millions) | 6.3406% | 2,521 |
| Cash dividends to net income (ytd only)* | 49.1252% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 1,554 |
| Loan loss allowance to noncurrent loans | 1,997.6526% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,196 |
| Noncurrent loans to loans | 0.0680% | 3,226 |
| Net loans and leases to total assets | 84.0500% | 268 |
| Net loans and leases to deposits | 99.1563% | 584 |
| Net loans and leases to core deposits | 102.0534% | 1,328 |
| Total domestic deposits to total assets | 84.7600% | 2,391 |
| Equity capital to assets | 10.1011% | 1,950 |
| Core capital (leverage) ratio | 10.6239% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $343,724,200 | 2,217 |
| Average earning assets | $319,092,200 | 2,208 |
| Average equity | $34,914,800 | 2,055 |
| Average total loans | $286,383,200 | 1,841 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8487% | 535 |
| Cost of funding earning assets | 0.9357% | 2,817 |
| Net interest margin | 4.9130% | 343 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.7763% | 1,467 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 2.3339% | 294 |
| Return on assets (ROA) | 2.3339% | 287 |
| Pretax return on assets | 2.3339% | 443 |
| Return on Equity (ROE) | 22.9500% | 488 |
| Retained earnings to average equity (ytd only) | 11.6643% | 1,050 |
| Net charge-offs to loans | 0.0022% | 2,285 |
| Credit loss provision to net charge-offs | 666.6667% | 538 |
| Earnings coverage of net charge-offs (x) | 1,308.0000% | 111 |
| Efficiency ratio | 54.2017% | 3,590 |
| Assets per employee ($millions) | 5.8300% | 2,858 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,458 |
| Loan loss allowance to noncurrent loans | 2,162.9032% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,227 |
| Noncurrent loans to loans | 0.0656% | 3,231 |
| Net loans and leases to total assets | 82.6100% | 366 |
| Net loans and leases to deposits | 92.5266% | 985 |
| Net loans and leases to core deposits | 94.6939% | 1,538 |
| Total domestic deposits to total assets | 89.2900% | 1,142 |
| Equity capital to assets | 10.2186% | 1,735 |
| Core capital (leverage) ratio | 10.6789% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $334,549,000 | 2,257 |
| Average earning assets | $309,057,667 | 2,263 |
| Average equity | $34,018,333 | 2,092 |
| Average total loans | $274,764,667 | 1,890 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 525 |
| Cost of funding earning assets | 0.7093% | 3,028 |
| Net interest margin | 4.8885% | 335 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.7840% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3008% | 319 |
| Return on assets (ROA) | 2.3008% | 319 |
| Pretax return on assets | 2.3008% | 485 |
| Return on Equity (ROE) | 22.6800% | 531 |
| Retained earnings to average equity (ytd only) | 22.6838% | 260 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.7518% | 3,527 |
| Assets per employee ($millions) | 5.5565% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,322 |
| Loan loss allowance to noncurrent loans | 2,342.1053% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,269 |
| Noncurrent loans to loans | 0.0634% | 3,280 |
| Net loans and leases to total assets | 79.6800% | 572 |
| Net loans and leases to deposits | 89.3155% | 1,106 |
| Net loans and leases to core deposits | 91.1564% | 1,552 |
| Total domestic deposits to total assets | 89.2100% | 1,466 |
| Equity capital to assets | 10.4244% | 1,601 |
| Core capital (leverage) ratio | 10.8665% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $332,754,000 | 2,299 |
| Average earning assets | $306,761,000 | 2,309 |
| Average equity | $33,751,000 | 2,133 |
| Average total loans | $270,462,000 | 1,924 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 289 |
| Cost of funding earning assets | 0.1480% | 4,137 |
| Net interest margin | 4.8702% | 161 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.8069% | 1,301 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.3057% | 182 |
| Return on assets (ROA) | 2.1469% | 224 |
| Pretax return on assets | 2.1469% | 349 |
| Return on Equity (ROE) | 21.4200% | 370 |
| Retained earnings to average equity (ytd only) | 10.7053% | 961 |
| Net charge-offs to loans | 0.0071% | 2,136 |
| Credit loss provision to net charge-offs | 250.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 403.2778% | 381 |
| Efficiency ratio | 54.7472% | 3,714 |
| Assets per employee ($millions) | 5.6291% | 3,099 |
| Cash dividends to net income (ytd only)* | 50.0223% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,455 |
| Loan loss allowance to noncurrent loans | 1,229.4872% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 2,893 |
| Noncurrent loans to loans | 0.1150% | 2,952 |
| Net loans and leases to total assets | 80.5300% | 537 |
| Net loans and leases to deposits | 91.6536% | 933 |
| Net loans and leases to core deposits | 93.4685% | 1,319 |
| Total domestic deposits to total assets | 87.8600% | 2,120 |
| Equity capital to assets | 9.8604% | 1,782 |
| Core capital (leverage) ratio | 10.7300% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $312,870,800 | 2,388 |
| Average earning assets | $287,912,000 | 2,401 |
| Average equity | $31,358,200 | 2,277 |
| Average total loans | $251,966,200 | 1,932 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 233 |
| Cost of funding earning assets | 0.1231% | 4,100 |
| Net interest margin | 4.7931% | 149 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.8275% | 1,193 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 2.2315% | 206 |
| Return on assets (ROA) | 2.0892% | 250 |
| Pretax return on assets | 2.0892% | 390 |
| Return on Equity (ROE) | 20.7500% | 380 |
| Retained earnings to average equity (ytd only) | 9.9189% | 1,365 |
| Net charge-offs to loans | 0.0129% | 1,638 |
| Credit loss provision to net charge-offs | 187.5000% | 1,007 |
| Earnings coverage of net charge-offs (x) | 216.7083% | 594 |
| Efficiency ratio | 55.6758% | 3,653 |
| Assets per employee ($millions) | 5.4668% | 3,259 |
| Cash dividends to net income (ytd only)* | 52.2063% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,354 |
| Loan loss allowance to noncurrent loans | 938.7255% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,697 |
| Noncurrent loans to loans | 0.1576% | 2,822 |
| Net loans and leases to total assets | 81.8600% | 387 |
| Net loans and leases to deposits | 91.6664% | 781 |
| Net loans and leases to core deposits | 92.9254% | 1,145 |
| Total domestic deposits to total assets | 89.3000% | 1,958 |
| Equity capital to assets | 9.9324% | 1,657 |
| Core capital (leverage) ratio | 10.4406% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $308,059,250 | 2,427 |
| Average earning assets | $283,871,250 | 2,438 |
| Average equity | $31,010,750 | 2,321 |
| Average total loans | $247,137,000 | 1,958 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 250 |
| Cost of funding earning assets | 0.1261% | 3,895 |
| Net interest margin | 4.5877% | 169 |
| Noninterest income to average assets | 0.6504% | 1,540 |
| Noninterest expense to average assets | 2.8181% | 1,140 |
| Loan and lease loss provision to assets | 0.0293% | 2,066 |
| Net operating income to assets | 2.0243% | 222 |
| Return on assets (ROA) | 2.0243% | 224 |
| Pretax return on assets | 2.0243% | 362 |
| Return on Equity (ROE) | 20.0187% | 306 |
| Retained earnings to average equity (ytd only) | 9.1908% | 1,231 |
| Net charge-offs to loans | 0.0148% | 1,468 |
| Credit loss provision to net charge-offs | 250.0000% | 868 |
| Earnings coverage of net charge-offs (x) | 175.0556% | 585 |
| Efficiency ratio | 57.8462% | 3,582 |
| Assets per employee ($millions) | 5.6074% | 3,123 |
| Cash dividends to net income (ytd only)* | 54.0889% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 1,265 |
| Loan loss allowance to noncurrent loans | 991.2145% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 2,861 |
| Noncurrent loans to loans | 0.1568% | 2,905 |
| Net loans and leases to total assets | 76.0319% | 728 |
| Net loans and leases to deposits | 84.5348% | 1,085 |
| Net loans and leases to core deposits | 85.7876% | 1,352 |
| Total domestic deposits to total assets | 89.9415% | 1,733 |
| Equity capital to assets | 9.6812% | 1,894 |
| Core capital (leverage) ratio | 10.2539% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,877,000 | 2,451 |
| Average earning assets | $282,361,000 | 2,475 |
| Average equity | $31,031,000 | 2,371 |
| Average total loans | $243,215,667 | 1,979 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 201 |
| Cost of funding earning assets | 0.1322% | 3,740 |
| Net interest margin | 4.6762% | 142 |
| Noninterest income to average assets | 0.6256% | 1,584 |
| Noninterest expense to average assets | 2.8579% | 1,043 |
| Loan and lease loss provision to assets | 0.0599% | 1,334 |
| Net operating income to assets | 1.9926% | 226 |
| Return on assets (ROA) | 1.9926% | 226 |
| Pretax return on assets | 1.9926% | 364 |
| Return on Equity (ROE) | 19.2695% | 257 |
| Retained earnings to average equity (ytd only) | 19.2695% | 110 |
| Net charge-offs to loans | 0.0265% | 1,055 |
| Credit loss provision to net charge-offs | 281.2500% | 689 |
| Earnings coverage of net charge-offs (x) | 96.3750% | 685 |
| Efficiency ratio | 58.2001% | 3,662 |
| Assets per employee ($millions) | 5.7091% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,311 |
| Loan loss allowance to noncurrent loans | 1,093.4473% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,015 |
| Noncurrent loans to loans | 0.1451% | 3,081 |
| Net loans and leases to total assets | 77.2025% | 439 |
| Net loans and leases to deposits | 86.4312% | 709 |
| Net loans and leases to core deposits | 87.6726% | 1,042 |
| Total domestic deposits to total assets | 89.3225% | 1,913 |
| Equity capital to assets | 10.1644% | 1,782 |
| Core capital (leverage) ratio | 10.6066% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,505,500 | 2,493 |
| Average earning assets | $275,350,500 | 2,519 |
| Average equity | $31,075,000 | 2,429 |
| Average total loans | $241,399,000 | 1,980 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 190 |
| Cost of funding earning assets | 0.1784% | 3,682 |
| Net interest margin | 5.0308% | 139 |
| Noninterest income to average assets | 0.6683% | 1,873 |
| Noninterest expense to average assets | 2.8604% | 1,231 |
| Loan and lease loss provision to assets | 0.0960% | 1,297 |
| Net operating income to assets | 2.3359% | 194 |
| Return on assets (ROA) | 2.3373% | 204 |
| Pretax return on assets | 2.3373% | 327 |
| Return on Equity (ROE) | 22.2833% | 207 |
| Retained earnings to average equity (ytd only) | 11.4502% | 624 |
| Net charge-offs to loans | -0.0088% | 3,696 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0488% | 3,924 |
| Assets per employee ($millions) | 5.4207% | 3,334 |
| Cash dividends to net income (ytd only)* | 48.6153% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,302 |
| Loan loss allowance to noncurrent loans | 284.2537% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 1,444 |
| Noncurrent loans to loans | 0.5561% | 1,735 |
| Net loans and leases to total assets | 81.0135% | 222 |
| Net loans and leases to deposits | 91.3916% | 508 |
| Net loans and leases to core deposits | 92.7883% | 836 |
| Total domestic deposits to total assets | 88.6444% | 1,705 |
| Equity capital to assets | 10.5269% | 2,151 |
| Core capital (leverage) ratio | 10.5626% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,181,400 | 2,529 |
| Average earning assets | $258,447,600 | 2,558 |
| Average equity | $29,493,000 | 2,567 |
| Average total loans | $227,010,600 | 2,066 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 182 |
| Cost of funding earning assets | 0.1911% | 3,709 |
| Net interest margin | 5.1721% | 127 |
| Noninterest income to average assets | 0.6602% | 1,970 |
| Noninterest expense to average assets | 2.8597% | 1,205 |
| Loan and lease loss provision to assets | 0.1078% | 1,117 |
| Net operating income to assets | 2.4506% | 226 |
| Return on assets (ROA) | 2.4525% | 233 |
| Pretax return on assets | 2.4525% | 365 |
| Return on Equity (ROE) | 23.4037% | 237 |
| Retained earnings to average equity (ytd only) | 12.6368% | 696 |
| Net charge-offs to loans | -0.0101% | 3,672 |
| Credit loss provision to net charge-offs | -1,323.5294% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7810% | 3,946 |
| Assets per employee ($millions) | 5.1068% | 3,598 |
| Cash dividends to net income (ytd only)* | 46.0051% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 1,279 |
| Loan loss allowance to noncurrent loans | 286.6616% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,624 |
| Noncurrent loans to loans | 0.5661% | 1,897 |
| Net loans and leases to total assets | 81.1780% | 236 |
| Net loans and leases to deposits | 92.0508% | 489 |
| Net loans and leases to core deposits | 93.6562% | 840 |
| Total domestic deposits to total assets | 88.1883% | 1,724 |
| Equity capital to assets | 10.7913% | 2,172 |
| Core capital (leverage) ratio | 10.6000% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,297,250 | 2,569 |
| Average earning assets | $256,006,250 | 2,594 |
| Average equity | $29,162,750 | 2,618 |
| Average total loans | $223,525,750 | 2,118 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6050% | 151 |
| Cost of funding earning assets | 0.2045% | 3,701 |
| Net interest margin | 5.4005% | 110 |
| Noninterest income to average assets | 0.6423% | 2,030 |
| Noninterest expense to average assets | 2.8835% | 1,173 |
| Loan and lease loss provision to assets | 0.1081% | 1,167 |
| Net operating income to assets | 2.6190% | 191 |
| Return on assets (ROA) | 2.6190% | 202 |
| Pretax return on assets | 2.6190% | 297 |
| Return on Equity (ROE) | 25.2464% | 186 |
| Retained earnings to average equity (ytd only) | 14.7184% | 472 |
| Net charge-offs to loans | -0.0145% | 3,837 |
| Credit loss provision to net charge-offs | -937.5000% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3941% | 4,107 |
| Assets per employee ($millions) | 5.1504% | 3,508 |
| Cash dividends to net income (ytd only)* | 41.7011% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 1,254 |
| Loan loss allowance to noncurrent loans | 263.0978% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 1,687 |
| Noncurrent loans to loans | 0.6111% | 1,875 |
| Net loans and leases to total assets | 79.6321% | 336 |
| Net loans and leases to deposits | 90.4417% | 624 |
| Net loans and leases to core deposits | 91.8840% | 1,011 |
| Total domestic deposits to total assets | 88.0480% | 1,794 |
| Equity capital to assets | 10.4842% | 2,404 |
| Core capital (leverage) ratio | 10.1691% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,438,333 | 2,567 |
| Average earning assets | $255,235,333 | 2,594 |
| Average equity | $28,780,333 | 2,635 |
| Average total loans | $220,778,000 | 2,144 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 449 |
| Cost of funding earning assets | 0.2221% | 3,708 |
| Net interest margin | 4.6276% | 304 |
| Noninterest income to average assets | 0.6091% | 2,170 |
| Noninterest expense to average assets | 2.7612% | 1,465 |
| Loan and lease loss provision to assets | 0.1093% | 1,266 |
| Net operating income to assets | 1.9889% | 577 |
| Return on assets (ROA) | 1.9889% | 622 |
| Pretax return on assets | 1.9889% | 963 |
| Return on Equity (ROE) | 19.2790% | 591 |
| Retained earnings to average equity (ytd only) | 19.2790% | 299 |
| Net charge-offs to loans | -0.0351% | 4,242 |
| Credit loss provision to net charge-offs | -394.7368% | 3,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8216% | 3,451 |
| Assets per employee ($millions) | 4.8068% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 1,226 |
| Loan loss allowance to noncurrent loans | 210.3027% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 1,576 |
| Noncurrent loans to loans | 0.7737% | 1,693 |
| Net loans and leases to total assets | 77.0250% | 537 |
| Net loans and leases to deposits | 87.3531% | 867 |
| Net loans and leases to core deposits | 88.7410% | 1,313 |
| Total domestic deposits to total assets | 88.1767% | 1,749 |
| Equity capital to assets | 10.2087% | 2,514 |
| Core capital (leverage) ratio | 10.4649% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,520,500 | 2,574 |
| Average earning assets | $252,141,500 | 2,596 |
| Average equity | $28,321,000 | 2,645 |
| Average total loans | $216,535,500 | 2,169 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 237 |
| Cost of funding earning assets | 0.4414% | 3,340 |
| Net interest margin | 4.9174% | 140 |
| Noninterest income to average assets | 0.6555% | 2,002 |
| Noninterest expense to average assets | 2.9364% | 1,581 |
| Loan and lease loss provision to assets | 0.1748% | 2,197 |
| Net operating income to assets | 2.0538% | 237 |
| Return on assets (ROA) | 2.0626% | 249 |
| Pretax return on assets | 2.0626% | 398 |
| Return on Equity (ROE) | 19.5069% | 255 |
| Retained earnings to average equity (ytd only) | 11.2202% | 414 |
| Net charge-offs to loans | 0.0044% | 3,204 |
| Credit loss provision to net charge-offs | 4,866.6667% | 217 |
| Earnings coverage of net charge-offs (x) | 620.3333% | 189 |
| Efficiency ratio | 56.8514% | 3,878 |
| Assets per employee ($millions) | 4.9156% | 3,489 |
| Cash dividends to net income (ytd only)* | 42.4811% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,111 |
| Loan loss allowance to noncurrent loans | 255.2574% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 1,995 |
| Noncurrent loans to loans | 0.6535% | 2,049 |
| Net loans and leases to total assets | 78.1699% | 592 |
| Net loans and leases to deposits | 89.3162% | 981 |
| Net loans and leases to core deposits | 90.7995% | 1,469 |
| Total domestic deposits to total assets | 87.5204% | 1,698 |
| Equity capital to assets | 10.4317% | 2,730 |
| Core capital (leverage) ratio | 10.4522% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,511,600 | 2,576 |
| Average earning assets | $229,734,000 | 2,600 |
| Average equity | $26,488,000 | 2,713 |
| Average total loans | $206,799,800 | 2,185 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 225 |
| Cost of funding earning assets | 0.4957% | 3,253 |
| Net interest margin | 5.0092% | 137 |
| Noninterest income to average assets | 0.6402% | 2,021 |
| Noninterest expense to average assets | 2.9245% | 1,634 |
| Loan and lease loss provision to assets | 0.1961% | 2,017 |
| Net operating income to assets | 2.1168% | 234 |
| Return on assets (ROA) | 2.1168% | 249 |
| Pretax return on assets | 2.1168% | 398 |
| Return on Equity (ROE) | 19.9479% | 238 |
| Retained earnings to average equity (ytd only) | 11.9800% | 425 |
| Net charge-offs to loans | -0.0026% | 3,921 |
| Credit loss provision to net charge-offs | -9,075.0000% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8387% | 3,936 |
| Assets per employee ($millions) | 4.7752% | 3,511 |
| Cash dividends to net income (ytd only)* | 39.9438% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,017 |
| Loan loss allowance to noncurrent loans | 191.8424% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 1,599 |
| Noncurrent loans to loans | 0.8497% | 1,735 |
| Net loans and leases to total assets | 80.9020% | 534 |
| Net loans and leases to deposits | 92.7742% | 1,015 |
| Net loans and leases to core deposits | 94.8030% | 1,563 |
| Total domestic deposits to total assets | 87.2031% | 1,574 |
| Equity capital to assets | 10.5100% | 2,783 |
| Core capital (leverage) ratio | 10.2546% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,779,250 | 2,582 |
| Average earning assets | $226,483,500 | 2,606 |
| Average equity | $26,187,500 | 2,720 |
| Average total loans | $205,746,000 | 2,191 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 229 |
| Cost of funding earning assets | 0.5568% | 3,199 |
| Net interest margin | 5.1476% | 151 |
| Noninterest income to average assets | 0.5981% | 2,139 |
| Noninterest expense to average assets | 2.9455% | 1,728 |
| Loan and lease loss provision to assets | 0.2370% | 1,784 |
| Net operating income to assets | 2.1318% | 245 |
| Return on assets (ROA) | 2.1548% | 262 |
| Pretax return on assets | 2.1548% | 391 |
| Return on Equity (ROE) | 20.2372% | 236 |
| Retained earnings to average equity (ytd only) | 20.2372% | 87 |
| Net charge-offs to loans | -0.0049% | 4,011 |
| Credit loss provision to net charge-offs | -5,760.0000% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4265% | 4,013 |
| Assets per employee ($millions) | 4.7561% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 969 |
| Loan loss allowance to noncurrent loans | 216.3043% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 1,851 |
| Noncurrent loans to loans | 0.7473% | 2,011 |
| Net loans and leases to total assets | 80.1730% | 578 |
| Net loans and leases to deposits | 92.2474% | 1,132 |
| Net loans and leases to core deposits | 95.3450% | 1,628 |
| Total domestic deposits to total assets | 86.9108% | 1,660 |
| Equity capital to assets | 10.6482% | 2,622 |
| Core capital (leverage) ratio | 10.6877% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3534% | 1,676 |
| Memoranda: | ||
| Average total assets | $243,085,667 | 2,588 |
| Average earning assets | $222,703,667 | 2,605 |
| Average equity | $25,883,000 | 2,729 |
| Average total loans | $203,637,667 | 2,193 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5959% | 303 |
| Cost of funding earning assets | 0.6284% | 3,286 |
| Net interest margin | 4.9676% | 208 |
| Noninterest income to average assets | 0.6384% | 1,869 |
| Noninterest expense to average assets | 3.0108% | 1,866 |
| Loan and lease loss provision to assets | 0.1270% | 2,121 |
| Net operating income to assets | 2.0388% | 254 |
| Return on assets (ROA) | 2.0388% | 277 |
| Pretax return on assets | 2.0388% | 419 |
| Return on Equity (ROE) | 19.1487% | 204 |
| Retained earnings to average equity (ytd only) | 19.1487% | 75 |
| Net charge-offs to loans | -0.0100% | 4,079 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1616% | 3,978 |
| Assets per employee ($millions) | 4.6706% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,104 |
| Loan loss allowance to noncurrent loans | 185.8734% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 1,796 |
| Noncurrent loans to loans | 0.8539% | 1,908 |
| Net loans and leases to total assets | 82.5443% | 393 |
| Net loans and leases to deposits | 95.3569% | 974 |
| Net loans and leases to core deposits | 98.7182% | 1,574 |
| Total domestic deposits to total assets | 86.5636% | 1,746 |
| Equity capital to assets | 10.8189% | 3,028 |
| Core capital (leverage) ratio | 10.7992% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0559% | 2,262 |
| Memoranda: | ||
| Average total assets | $236,213,000 | 2,587 |
| Average earning assets | $215,800,000 | 2,608 |
| Average equity | $25,150,500 | 2,765 |
| Average total loans | $200,810,500 | 2,176 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8078% | 320 |
| Cost of funding earning assets | 0.6996% | 3,159 |
| Net interest margin | 5.1081% | 219 |
| Noninterest income to average assets | 0.6555% | 1,985 |
| Noninterest expense to average assets | 3.0821% | 1,805 |
| Loan and lease loss provision to assets | 0.1099% | 1,899 |
| Net operating income to assets | 2.0855% | 283 |
| Return on assets (ROA) | 2.0855% | 294 |
| Pretax return on assets | 2.0855% | 495 |
| Return on Equity (ROE) | 20.0345% | 211 |
| Retained earnings to average equity (ytd only) | 7.3651% | 1,223 |
| Net charge-offs to loans | 0.0077% | 3,401 |
| Credit loss provision to net charge-offs | 1,666.6667% | 222 |
| Earnings coverage of net charge-offs (x) | 332.9333% | 260 |
| Efficiency ratio | 58.4007% | 3,925 |
| Assets per employee ($millions) | 4.5926% | 3,093 |
| Cash dividends to net income (ytd only)* | 63.2378% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,141 |
| Loan loss allowance to noncurrent loans | 99.5490% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3615% | 781 |
| Noncurrent loans to loans | 1.5380% | 931 |
| Net loans and leases to total assets | 84.8495% | 252 |
| Net loans and leases to deposits | 101.9044% | 475 |
| Net loans and leases to core deposits | 105.2861% | 1,151 |
| Total domestic deposits to total assets | 83.2638% | 3,115 |
| Equity capital to assets | 10.4729% | 3,475 |
| Core capital (leverage) ratio | 10.5047% | 2,948 |
| Tier 1 risk-based capital ratio | 12.0285% | 4,348 |
| Total risk-based capital ratio | 13.2817% | 4,217 |
| Memoranda: | ||
| Average total assets | $227,475,800 | 2,599 |
| Average earning assets | $205,828,000 | 2,648 |
| Average equity | $23,679,200 | 2,824 |
| Average total loans | $194,490,400 | 2,204 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7762% | 364 |
| Cost of funding earning assets | 0.6968% | 3,239 |
| Net interest margin | 5.0794% | 246 |
| Noninterest income to average assets | 0.6643% | 1,932 |
| Noninterest expense to average assets | 3.0269% | 1,904 |
| Loan and lease loss provision to assets | 0.1329% | 1,447 |
| Net operating income to assets | 2.0933% | 324 |
| Return on assets (ROA) | 2.0933% | 336 |
| Pretax return on assets | 2.0933% | 558 |
| Return on Equity (ROE) | 20.1417% | 241 |
| Retained earnings to average equity (ytd only) | 7.3578% | 1,688 |
| Net charge-offs to loans | -0.0125% | 4,449 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6214% | 3,988 |
| Assets per employee ($millions) | 4.5914% | 3,064 |
| Cash dividends to net income (ytd only)* | 63.4698% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,050 |
| Loan loss allowance to noncurrent loans | 129.2988% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 1,243 |
| Noncurrent loans to loans | 1.2166% | 1,291 |
| Net loans and leases to total assets | 84.4384% | 303 |
| Net loans and leases to deposits | 102.8683% | 455 |
| Net loans and leases to core deposits | 107.7886% | 1,067 |
| Total domestic deposits to total assets | 82.0840% | 3,453 |
| Equity capital to assets | 10.4874% | 3,553 |
| Core capital (leverage) ratio | 10.4877% | 3,113 |
| Tier 1 risk-based capital ratio | 11.8019% | 4,514 |
| Total risk-based capital ratio | 13.0553% | 4,405 |
| Memoranda: | ||
| Average total assets | $225,789,000 | 2,634 |
| Average earning assets | $203,982,750 | 2,688 |
| Average equity | $23,466,500 | 2,852 |
| Average total loans | $192,656,250 | 2,238 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7263% | 380 |
| Cost of funding earning assets | 0.6710% | 3,315 |
| Net interest margin | 5.0553% | 256 |
| Noninterest income to average assets | 0.6431% | 1,953 |
| Noninterest expense to average assets | 2.9965% | 2,016 |
| Loan and lease loss provision to assets | 0.1336% | 1,390 |
| Net operating income to assets | 2.0835% | 339 |
| Return on assets (ROA) | 2.0835% | 351 |
| Pretax return on assets | 2.0835% | 576 |
| Return on Equity (ROE) | 20.1089% | 250 |
| Retained earnings to average equity (ytd only) | 7.2131% | 1,722 |
| Net charge-offs to loans | -0.0157% | 4,469 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4748% | 4,073 |
| Assets per employee ($millions) | 4.5798% | 3,027 |
| Cash dividends to net income (ytd only)* | 64.1300% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,127 |
| Loan loss allowance to noncurrent loans | 155.3498% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 1,610 |
| Noncurrent loans to loans | 1.0011% | 1,637 |
| Net loans and leases to total assets | 83.4848% | 416 |
| Net loans and leases to deposits | 100.0733% | 677 |
| Net loans and leases to core deposits | 104.1719% | 1,370 |
| Total domestic deposits to total assets | 83.4237% | 3,067 |
| Equity capital to assets | 10.2979% | 3,700 |
| Core capital (leverage) ratio | 10.4401% | 3,154 |
| Tier 1 risk-based capital ratio | 11.7040% | 4,567 |
| Total risk-based capital ratio | 12.9571% | 4,474 |
| Memoranda: | ||
| Average total assets | $224,528,330 | 2,654 |
| Average earning assets | $202,993,000 | 2,708 |
| Average equity | $23,263,330 | 2,857 |
| Average total loans | $191,227,000 | 2,253 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8215% | 303 |
| Cost of funding earning assets | 0.6417% | 3,349 |
| Net interest margin | 5.1797% | 207 |
| Noninterest income to average assets | 0.6136% | 1,985 |
| Noninterest expense to average assets | 3.0482% | 1,853 |
| Loan and lease loss provision to assets | 0.1350% | 1,286 |
| Net operating income to assets | 2.1071% | 316 |
| Return on assets (ROA) | 2.1071% | 331 |
| Pretax return on assets | 2.1071% | 515 |
| Return on Equity (ROE) | 20.2731% | 249 |
| Retained earnings to average equity (ytd only) | 20.2731% | 100 |
| Net charge-offs to loans | -0.0084% | 4,167 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6190% | 4,130 |
| Assets per employee ($millions) | 4.4488% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,220 |
| Loan loss allowance to noncurrent loans | 296.3636% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 2,539 |
| Noncurrent loans to loans | 0.5190% | 2,758 |
| Net loans and leases to total assets | 84.4406% | 333 |
| Net loans and leases to deposits | 98.8823% | 710 |
| Net loans and leases to core deposits | 103.8602% | 1,327 |
| Total domestic deposits to total assets | 85.3950% | 2,528 |
| Equity capital to assets | 10.6888% | 3,175 |
| Core capital (leverage) ratio | 10.6733% | 2,873 |
| Tier 1 risk-based capital ratio | 12.3474% | 4,269 |
| Total risk-based capital ratio | 13.6009% | 4,135 |
| Memoranda: | ||
| Average total assets | $222,298,000 | 2,706 |
| Average earning assets | $200,705,500 | 2,754 |
| Average equity | $23,104,500 | 2,874 |
| Average total loans | $189,745,000 | 2,286 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 370 |
| Cost of funding earning assets | 0.4920% | 3,411 |
| Net interest margin | 5.0517% | 240 |
| Noninterest income to average assets | 0.6187% | 2,199 |
| Noninterest expense to average assets | 3.0559% | 1,903 |
| Loan and lease loss provision to assets | 0.1926% | 989 |
| Net operating income to assets | 1.9332% | 410 |
| Return on assets (ROA) | 1.9180% | 424 |
| Pretax return on assets | 1.9180% | 685 |
| Return on Equity (ROE) | 19.5338% | 278 |
| Retained earnings to average equity (ytd only) | 10.4302% | 538 |
| Net charge-offs to loans | 0.0201% | 3,029 |
| Credit loss provision to net charge-offs | 1,135.1351% | 348 |
| Earnings coverage of net charge-offs (x) | 125.2703% | 632 |
| Efficiency ratio | 58.9750% | 4,022 |
| Assets per employee ($millions) | 4.4432% | 3,250 |
| Cash dividends to net income (ytd only)* | 46.6045% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,249 |
| Loan loss allowance to noncurrent loans | 419.2364% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 3,006 |
| Noncurrent loans to loans | 0.3608% | 3,246 |
| Net loans and leases to total assets | 83.6670% | 444 |
| Net loans and leases to deposits | 100.5730% | 701 |
| Net loans and leases to core deposits | 106.4102% | 1,240 |
| Total domestic deposits to total assets | 83.1903% | 3,264 |
| Equity capital to assets | 10.0978% | 3,576 |
| Core capital (leverage) ratio | 10.2306% | 3,325 |
| Tier 1 risk-based capital ratio | 11.8686% | 4,521 |
| Total risk-based capital ratio | 13.1219% | 4,399 |
| Memoranda: | ||
| Average total assets | $218,034,000 | 2,710 |
| Average earning assets | $196,942,000 | 2,746 |
| Average equity | $21,409,000 | 2,948 |
| Average total loans | $184,342,000 | 2,304 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4919% | 366 |
| Cost of funding earning assets | 0.4403% | 3,598 |
| Net interest margin | 5.0517% | 239 |
| Noninterest income to average assets | 0.6187% | 2,220 |
| Noninterest expense to average assets | 3.0143% | 1,978 |
| Loan and lease loss provision to assets | 0.1935% | 911 |
| Net operating income to assets | 1.9790% | 403 |
| Return on assets (ROA) | 1.9790% | 398 |
| Pretax return on assets | 1.9790% | 657 |
| Return on Equity (ROE) | 20.3024% | 256 |
| Retained earnings to average equity (ytd only) | 10.9674% | 654 |
| Net charge-offs to loans | -0.0036% | 4,168 |
| Credit loss provision to net charge-offs | -6,300.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1142% | 4,104 |
| Assets per employee ($millions) | 4.3994% | 3,272 |
| Cash dividends to net income (ytd only)* | 45.9796% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,417 |
| Loan loss allowance to noncurrent loans | 183.3880% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 1,875 |
| Noncurrent loans to loans | 0.8068% | 2,093 |
| Net loans and leases to total assets | 84.5510% | 393 |
| Net loans and leases to deposits | 103.2636% | 585 |
| Net loans and leases to core deposits | 109.6409% | 1,058 |
| Total domestic deposits to total assets | 81.8788% | 3,651 |
| Equity capital to assets | 9.9264% | 3,720 |
| Core capital (leverage) ratio | 10.0895% | 3,534 |
| Tier 1 risk-based capital ratio | 11.7683% | 4,620 |
| Total risk-based capital ratio | 13.0211% | 4,518 |
| Memoranda: | ||
| Average total assets | $217,003,000 | 2,733 |
| Average earning assets | $196,234,500 | 2,772 |
| Average equity | $21,153,000 | 2,988 |
| Average total loans | $183,245,500 | 2,321 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4382% | 359 |
| Cost of funding earning assets | 0.3937% | 3,766 |
| Net interest margin | 5.0445% | 227 |
| Noninterest income to average assets | 0.6101% | 2,268 |
| Noninterest expense to average assets | 3.0007% | 2,040 |
| Loan and lease loss provision to assets | 0.1944% | 886 |
| Net operating income to assets | 1.9702% | 402 |
| Return on assets (ROA) | 1.9702% | 400 |
| Pretax return on assets | 1.9702% | 641 |
| Return on Equity (ROE) | 20.3387% | 242 |
| Retained earnings to average equity (ytd only) | 10.8479% | 700 |
| Net charge-offs to loans | 0.0254% | 2,349 |
| Credit loss provision to net charge-offs | 913.0435% | 440 |
| Earnings coverage of net charge-offs (x) | 101.6522% | 690 |
| Efficiency ratio | 58.0928% | 4,217 |
| Assets per employee ($millions) | 4.3541% | 3,347 |
| Cash dividends to net income (ytd only)* | 46.6635% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 1,667 |
| Loan loss allowance to noncurrent loans | 868.9542% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 3,781 |
| Noncurrent loans to loans | 0.1639% | 4,171 |
| Net loans and leases to total assets | 84.5259% | 402 |
| Net loans and leases to deposits | 97.3573% | 1,012 |
| Net loans and leases to core deposits | 101.4986% | 1,602 |
| Total domestic deposits to total assets | 86.8203% | 1,924 |
| Equity capital to assets | 9.7829% | 3,835 |
| Core capital (leverage) ratio | 9.8411% | 3,743 |
| Tier 1 risk-based capital ratio | 11.5659% | 4,757 |
| Total risk-based capital ratio | 12.8185% | 4,640 |
| Memoranda: | ||
| Average total assets | $216,014,330 | 2,759 |
| Average earning assets | $195,063,330 | 2,799 |
| Average equity | $20,925,670 | 3,030 |
| Average total loans | $181,401,000 | 2,344 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3559% | 363 |
| Cost of funding earning assets | 0.4026% | 3,557 |
| Net interest margin | 4.9533% | 246 |
| Noninterest income to average assets | 0.5912% | 2,312 |
| Noninterest expense to average assets | 2.9744% | 2,129 |
| Loan and lease loss provision to assets | 0.1952% | 852 |
| Net operating income to assets | 1.8813% | 472 |
| Return on assets (ROA) | 1.8813% | 478 |
| Pretax return on assets | 1.8813% | 762 |
| Return on Equity (ROE) | 19.5183% | 285 |
| Retained earnings to average equity (ytd only) | 19.5183% | 110 |
| Net charge-offs to loans | 0.0470% | 1,651 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 53.1905% | 918 |
| Efficiency ratio | 58.8885% | 4,236 |
| Assets per employee ($millions) | 4.4889% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,718 |
| Loan loss allowance to noncurrent loans | 743.0233% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 3,725 |
| Noncurrent loans to loans | 0.1928% | 4,098 |
| Net loans and leases to total assets | 79.9372% | 941 |
| Net loans and leases to deposits | 91.2476% | 1,528 |
| Net loans and leases to core deposits | 123.5342% | 488 |
| Total domestic deposits to total assets | 87.6047% | 1,847 |
| Equity capital to assets | 9.6311% | 3,959 |
| Core capital (leverage) ratio | 9.9646% | 3,573 |
| Tier 1 risk-based capital ratio | 11.9047% | 4,602 |
| Total risk-based capital ratio | 13.1567% | 4,501 |
| Memoranda: | ||
| Average total assets | $215,168,500 | 2,795 |
| Average earning assets | $193,730,500 | 2,844 |
| Average equity | $20,739,500 | 3,079 |
| Average total loans | $178,763,000 | 2,374 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 283 |
| Cost of funding earning assets | 0.3773% | 3,443 |
| Net interest margin | 5.0801% | 205 |
| Noninterest income to average assets | 0.6491% | 2,202 |
| Noninterest expense to average assets | 3.2587% | 1,465 |
| Loan and lease loss provision to assets | 0.1761% | 1,233 |
| Net operating income to assets | 1.7813% | 441 |
| Return on assets (ROA) | 1.7858% | 442 |
| Pretax return on assets | 1.7858% | 817 |
| Return on Equity (ROE) | 18.2151% | 287 |
| Retained earnings to average equity (ytd only) | 8.9767% | 514 |
| Net charge-offs to loans | 0.0968% | 2,114 |
| Credit loss provision to net charge-offs | 217.3913% | 1,257 |
| Earnings coverage of net charge-offs (x) | 24.1615% | 1,768 |
| Efficiency ratio | 62.4735% | 3,862 |
| Assets per employee ($millions) | 4.2077% | 3,642 |
| Cash dividends to net income (ytd only)* | 50.7185% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 1,840 |
| Loan loss allowance to noncurrent loans | 753.6585% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 3,741 |
| Noncurrent loans to loans | 0.1831% | 4,187 |
| Net loans and leases to total assets | 83.9768% | 448 |
| Net loans and leases to deposits | 98.5695% | 855 |
| Net loans and leases to core deposits | 130.0481% | 337 |
| Total domestic deposits to total assets | 85.1956% | 2,759 |
| Equity capital to assets | 9.6467% | 4,088 |
| Core capital (leverage) ratio | 9.8477% | 3,642 |
| Tier 1 risk-based capital ratio | 11.2839% | 4,995 |
| Total risk-based capital ratio | 12.5354% | 4,866 |
| Memoranda: | ||
| Average total assets | $198,730,200 | 2,935 |
| Average earning assets | $178,656,400 | 2,975 |
| Average equity | $19,483,800 | 3,201 |
| Average total loans | $166,352,800 | 2,461 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 280 |
| Cost of funding earning assets | 0.3744% | 3,425 |
| Net interest margin | 5.0586% | 205 |
| Noninterest income to average assets | 0.6632% | 2,150 |
| Noninterest expense to average assets | 3.2451% | 1,469 |
| Loan and lease loss provision to assets | 0.1872% | 1,044 |
| Net operating income to assets | 1.7662% | 501 |
| Return on assets (ROA) | 1.7724% | 511 |
| Pretax return on assets | 1.7724% | 952 |
| Return on Equity (ROE) | 18.0000% | 330 |
| Retained earnings to average equity (ytd only) | 8.4917% | 1,020 |
| Net charge-offs to loans | 0.1324% | 1,469 |
| Credit loss provision to net charge-offs | 169.7531% | 1,533 |
| Earnings coverage of net charge-offs (x) | 17.7103% | 2,088 |
| Efficiency ratio | 62.4231% | 3,819 |
| Assets per employee ($millions) | 4.1614% | 3,720 |
| Cash dividends to net income (ytd only)* | 52.8237% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 1,909 |
| Loan loss allowance to noncurrent loans | 225.3998% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 2,779 |
| Noncurrent loans to loans | 0.6194% | 2,857 |
| Net loans and leases to total assets | 82.9851% | 546 |
| Net loans and leases to deposits | 96.7496% | 1,036 |
| Net loans and leases to core deposits | 124.8386% | 439 |
| Total domestic deposits to total assets | 85.7731% | 2,399 |
| Equity capital to assets | 9.7504% | 4,192 |
| Core capital (leverage) ratio | 9.7928% | 3,830 |
| Tier 1 risk-based capital ratio | 11.3880% | 5,021 |
| Total risk-based capital ratio | 12.6394% | 4,910 |
| Memoranda: | ||
| Average total assets | $195,817,000 | 2,992 |
| Average earning assets | $175,563,750 | 3,033 |
| Average equity | $19,281,000 | 3,244 |
| Average total loans | $163,154,750 | 2,514 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 280 |
| Cost of funding earning assets | 0.3669% | 3,411 |
| Net interest margin | 5.0263% | 208 |
| Noninterest income to average assets | 0.6514% | 2,198 |
| Noninterest expense to average assets | 3.2322% | 1,510 |
| Loan and lease loss provision to assets | 0.2071% | 867 |
| Net operating income to assets | 1.7098% | 556 |
| Return on assets (ROA) | 1.7191% | 547 |
| Pretax return on assets | 1.7191% | 1,014 |
| Return on Equity (ROE) | 17.3998% | 380 |
| Retained earnings to average equity (ytd only) | 7.4421% | 1,378 |
| Net charge-offs to loans | 0.1996% | 1,009 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 11.5688% | 2,263 |
| Efficiency ratio | 62.7715% | 3,854 |
| Assets per employee ($millions) | 4.0174% | 3,927 |
| Cash dividends to net income (ytd only)* | 57.2289% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 2,024 |
| Loan loss allowance to noncurrent loans | 2,940.5063% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 4,785 |
| Noncurrent loans to loans | 0.0470% | 4,958 |
| Net loans and leases to total assets | 82.4671% | 610 |
| Net loans and leases to deposits | 97.3587% | 952 |
| Net loans and leases to core deposits | 124.1819% | 429 |
| Total domestic deposits to total assets | 84.7044% | 2,933 |
| Equity capital to assets | 9.6556% | 4,271 |
| Core capital (leverage) ratio | 9.8558% | 3,707 |
| Tier 1 risk-based capital ratio | 11.3344% | 5,063 |
| Total risk-based capital ratio | 12.5858% | 4,949 |
| Memoranda: | ||
| Average total assets | $193,119,330 | 3,032 |
| Average earning assets | $172,812,000 | 3,074 |
| Average equity | $19,080,670 | 3,267 |
| Average total loans | $160,336,000 | 2,561 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 301 |
| Cost of funding earning assets | 0.3672% | 3,346 |
| Net interest margin | 4.9793% | 232 |
| Noninterest income to average assets | 0.6721% | 2,081 |
| Noninterest expense to average assets | 3.2677% | 1,441 |
| Loan and lease loss provision to assets | 0.1585% | 1,140 |
| Net operating income to assets | 1.6888% | 566 |
| Return on assets (ROA) | 1.7078% | 550 |
| Pretax return on assets | 1.7078% | 989 |
| Return on Equity (ROE) | 17.0793% | 404 |
| Retained earnings to average equity (ytd only) | 17.0793% | 164 |
| Net charge-offs to loans | 0.1993% | 863 |
| Credit loss provision to net charge-offs | 96.1538% | 1,642 |
| Earnings coverage of net charge-offs (x) | 11.2051% | 1,902 |
| Efficiency ratio | 63.8843% | 3,858 |
| Assets per employee ($millions) | 3.8334% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,922 |
| Loan loss allowance to noncurrent loans | 3,677.4194% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 4,851 |
| Noncurrent loans to loans | 0.0390% | 5,039 |
| Net loans and leases to total assets | 81.6760% | 605 |
| Net loans and leases to deposits | 92.9064% | 1,232 |
| Net loans and leases to core deposits | 115.7786% | 601 |
| Total domestic deposits to total assets | 87.9122% | 1,765 |
| Equity capital to assets | 10.0990% | 3,627 |
| Core capital (leverage) ratio | 10.2970% | 3,113 |
| Tier 1 risk-based capital ratio | 11.9749% | 4,733 |
| Total risk-based capital ratio | 13.2271% | 4,631 |
| Memoranda: | ||
| Average total assets | $189,245,000 | 3,093 |
| Average earning assets | $168,860,000 | 3,146 |
| Average equity | $18,923,500 | 3,298 |
| Average total loans | $156,517,500 | 2,626 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 260 |
| Cost of funding earning assets | 0.3835% | 3,168 |
| Net interest margin | 5.0855% | 216 |
| Noninterest income to average assets | 0.6845% | 2,245 |
| Noninterest expense to average assets | 3.4555% | 1,244 |
| Loan and lease loss provision to assets | 0.1668% | 1,473 |
| Net operating income to assets | 1.5904% | 697 |
| Return on assets (ROA) | 1.5904% | 722 |
| Pretax return on assets | 1.5904% | 1,316 |
| Return on Equity (ROE) | 15.5960% | 547 |
| Retained earnings to average equity (ytd only) | 4.3080% | 2,836 |
| Net charge-offs to loans | 0.0702% | 2,694 |
| Credit loss provision to net charge-offs | 291.2621% | 1,008 |
| Earnings coverage of net charge-offs (x) | 30.6796% | 1,413 |
| Efficiency ratio | 66.2897% | 3,546 |
| Assets per employee ($millions) | 3.7364% | 4,419 |
| Cash dividends to net income (ytd only)* | 72.3776% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,751 |
| Loan loss allowance to noncurrent loans | 667.5439% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 4,056 |
| Noncurrent loans to loans | 0.2218% | 4,358 |
| Net loans and leases to total assets | 81.3209% | 694 |
| Net loans and leases to deposits | 96.1112% | 985 |
| Net loans and leases to core deposits | 117.9683% | 548 |
| Total domestic deposits to total assets | 84.6112% | 3,203 |
| Equity capital to assets | 9.8973% | 3,821 |
| Core capital (leverage) ratio | 10.2091% | 3,212 |
| Tier 1 risk-based capital ratio | 11.6699% | 4,945 |
| Total risk-based capital ratio | 12.9221% | 4,848 |
| Memoranda: | ||
| Average total assets | $179,828,200 | 3,167 |
| Average earning assets | $160,123,200 | 3,238 |
| Average equity | $18,338,000 | 3,367 |
| Average total loans | $146,691,800 | 2,683 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 259 |
| Cost of funding earning assets | 0.3867% | 3,159 |
| Net interest margin | 5.0839% | 216 |
| Noninterest income to average assets | 0.7053% | 2,147 |
| Noninterest expense to average assets | 3.4111% | 1,322 |
| Loan and lease loss provision to assets | 0.1685% | 1,353 |
| Net operating income to assets | 1.6539% | 653 |
| Return on assets (ROA) | 1.6539% | 690 |
| Pretax return on assets | 1.6539% | 1,237 |
| Return on Equity (ROE) | 16.0943% | 534 |
| Retained earnings to average equity (ytd only) | 3.5627% | 3,761 |
| Net charge-offs to loans | 0.0764% | 2,231 |
| Credit loss provision to net charge-offs | 271.0843% | 1,134 |
| Earnings coverage of net charge-offs (x) | 29.3263% | 1,512 |
| Efficiency ratio | 65.1788% | 3,735 |
| Assets per employee ($millions) | 3.6709% | 4,535 |
| Cash dividends to net income (ytd only)* | 77.8634% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,749 |
| Loan loss allowance to noncurrent loans | 298.2597% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 3,301 |
| Noncurrent loans to loans | 0.5046% | 3,484 |
| Net loans and leases to total assets | 81.0585% | 747 |
| Net loans and leases to deposits | 93.7375% | 1,284 |
| Net loans and leases to core deposits | 114.0002% | 721 |
| Total domestic deposits to total assets | 86.4739% | 2,142 |
| Equity capital to assets | 10.3033% | 3,797 |
| Core capital (leverage) ratio | 10.1335% | 3,398 |
| Tier 1 risk-based capital ratio | 12.1560% | 4,695 |
| Total risk-based capital ratio | 13.4087% | 4,597 |
| Memoranda: | ||
| Average total assets | $178,080,750 | 3,199 |
| Average earning assets | $158,613,000 | 3,273 |
| Average equity | $18,300,000 | 3,394 |
| Average total loans | $144,813,500 | 2,712 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 266 |
| Cost of funding earning assets | 0.3846% | 3,211 |
| Net interest margin | 5.0892% | 215 |
| Noninterest income to average assets | 0.6513% | 2,361 |
| Noninterest expense to average assets | 3.4054% | 1,363 |
| Loan and lease loss provision to assets | 0.1690% | 1,315 |
| Net operating income to assets | 1.6103% | 703 |
| Return on assets (ROA) | 1.6103% | 752 |
| Pretax return on assets | 1.6103% | 1,344 |
| Return on Equity (ROE) | 15.6841% | 577 |
| Retained earnings to average equity (ytd only) | 0.6476% | 5,112 |
| Net charge-offs to loans | 0.1211% | 1,625 |
| Credit loss provision to net charge-offs | 172.4138% | 1,442 |
| Earnings coverage of net charge-offs (x) | 18.1494% | 1,841 |
| Efficiency ratio | 65.6814% | 3,730 |
| Assets per employee ($millions) | 3.7277% | 4,396 |
| Cash dividends to net income (ytd only)* | 95.8712% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 2,014 |
| Loan loss allowance to noncurrent loans | 464.1469% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,079 |
| Noncurrent loans to loans | 0.3149% | 4,234 |
| Net loans and leases to total assets | 80.9662% | 760 |
| Net loans and leases to deposits | 95.5129% | 1,129 |
| Net loans and leases to core deposits | 117.7907% | 582 |
| Total domestic deposits to total assets | 84.7699% | 2,976 |
| Equity capital to assets | 10.1532% | 4,024 |
| Core capital (leverage) ratio | 9.9700% | 3,598 |
| Tier 1 risk-based capital ratio | 11.9144% | 4,885 |
| Total risk-based capital ratio | 13.1664% | 4,790 |
| Memoranda: | ||
| Average total assets | $177,482,670 | 3,221 |
| Average earning assets | $158,099,000 | 3,295 |
| Average equity | $18,222,330 | 3,415 |
| Average total loans | $143,740,670 | 2,727 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 305 |
| Cost of funding earning assets | 0.3891% | 3,201 |
| Net interest margin | 4.9796% | 257 |
| Noninterest income to average assets | 0.6246% | 2,388 |
| Noninterest expense to average assets | 3.4058% | 1,369 |
| Loan and lease loss provision to assets | 0.1697% | 1,214 |
| Net operating income to assets | 1.4800% | 890 |
| Return on assets (ROA) | 1.4800% | 934 |
| Pretax return on assets | 1.4800% | 1,659 |
| Return on Equity (ROE) | 14.3342% | 772 |
| Retained earnings to average equity (ytd only) | 14.3342% | 295 |
| Net charge-offs to loans | 0.1548% | 1,196 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 13.2545% | 1,745 |
| Efficiency ratio | 67.3679% | 3,567 |
| Assets per employee ($millions) | 3.7474% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 2,142 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 3,419 |
| Noncurrent loans to loans | 0.5628% | 3,502 |
| Net loans and leases to total assets | 78.8434% | 973 |
| Net loans and leases to deposits | 90.2041% | 1,558 |
| Net loans and leases to core deposits | 113.0267% | 709 |
| Total domestic deposits to total assets | 87.4056% | 1,988 |
| Equity capital to assets | 10.3534% | 3,680 |
| Core capital (leverage) ratio | 10.4907% | 2,978 |
| Tier 1 risk-based capital ratio | 12.5342% | 4,553 |
| Total risk-based capital ratio | 13.7863% | 4,467 |
| Memoranda: | ||
| Average total assets | $176,759,500 | 3,236 |
| Average earning assets | $157,281,000 | 3,326 |
| Average equity | $18,250,000 | 3,405 |
| Average total loans | $142,100,500 | 2,748 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 278 |
| Cost of funding earning assets | 0.4149% | 2,996 |
| Net interest margin | 5.0627% | 224 |
| Noninterest income to average assets | 0.7214% | 2,098 |
| Noninterest expense to average assets | 3.4383% | 1,414 |
| Loan and lease loss provision to assets | 0.1758% | 1,292 |
| Net operating income to assets | 1.5554% | 775 |
| Return on assets (ROA) | 1.5554% | 799 |
| Pretax return on assets | 1.5554% | 1,387 |
| Return on Equity (ROE) | 15.5245% | 612 |
| Retained earnings to average equity (ytd only) | 8.7391% | 721 |
| Net charge-offs to loans | 0.0331% | 3,551 |
| Credit loss provision to net charge-offs | 681.8182% | 492 |
| Earnings coverage of net charge-offs (x) | 67.1364% | 801 |
| Efficiency ratio | 66.5117% | 3,825 |
| Assets per employee ($millions) | 3.6176% | 4,614 |
| Cash dividends to net income (ytd only)* | 43.7076% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,072 |
| Loan loss allowance to noncurrent loans | 772.5926% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 4,185 |
| Noncurrent loans to loans | 0.1925% | 4,716 |
| Net loans and leases to total assets | 79.5820% | 906 |
| Net loans and leases to deposits | 95.1414% | 1,098 |
| Net loans and leases to core deposits | 115.2033% | 628 |
| Total domestic deposits to total assets | 83.6460% | 3,617 |
| Equity capital to assets | 10.2951% | 3,630 |
| Core capital (leverage) ratio | 10.4501% | 2,986 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,734 |
| Total risk-based capital ratio | 13.5983% | 4,627 |
| Memoranda: | ||
| Average total assets | $170,635,800 | 3,292 |
| Average earning assets | $149,920,800 | 3,406 |
| Average equity | $17,095,600 | 3,515 |
| Average total loans | $133,096,600 | 2,844 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 286 |
| Cost of funding earning assets | 0.4232% | 2,979 |
| Net interest margin | 5.0332% | 234 |
| Noninterest income to average assets | 0.7370% | 2,079 |
| Noninterest expense to average assets | 3.4250% | 1,425 |
| Loan and lease loss provision to assets | 0.1766% | 1,197 |
| Net operating income to assets | 1.5508% | 848 |
| Return on assets (ROA) | 1.5508% | 888 |
| Pretax return on assets | 1.5508% | 1,529 |
| Return on Equity (ROE) | 15.5891% | 651 |
| Retained earnings to average equity (ytd only) | 8.4099% | 1,085 |
| Net charge-offs to loans | 0.0010% | 4,158 |
| Credit loss provision to net charge-offs | 22,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 2,206.4586% | 25 |
| Efficiency ratio | 66.4737% | 3,809 |
| Assets per employee ($millions) | 3.5708% | 4,672 |
| Cash dividends to net income (ytd only)* | 46.0525% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 2,027 |
| Loan loss allowance to noncurrent loans | 611.3095% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 3,763 |
| Noncurrent loans to loans | 0.2506% | 4,678 |
| Net loans and leases to total assets | 78.6525% | 1,001 |
| Net loans and leases to deposits | 91.6101% | 1,452 |
| Net loans and leases to core deposits | 112.9585% | 711 |
| Total domestic deposits to total assets | 85.8558% | 2,613 |
| Equity capital to assets | 10.3946% | 3,715 |
| Core capital (leverage) ratio | 10.2682% | 3,284 |
| Tier 1 risk-based capital ratio | 12.0609% | 5,042 |
| Total risk-based capital ratio | 13.3132% | 4,958 |
| Memoranda: | ||
| Average total assets | $169,883,250 | 3,332 |
| Average earning assets | $149,033,750 | 3,448 |
| Average equity | $16,900,250 | 3,575 |
| Average total loans | $131,301,500 | 2,882 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4223% | 302 |
| Cost of funding earning assets | 0.4209% | 3,033 |
| Net interest margin | 5.0014% | 247 |
| Noninterest income to average assets | 0.7293% | 2,099 |
| Noninterest expense to average assets | 3.3981% | 1,477 |
| Loan and lease loss provision to assets | 0.1759% | 1,180 |
| Net operating income to assets | 1.5442% | 833 |
| Return on assets (ROA) | 1.5442% | 866 |
| Pretax return on assets | 1.5442% | 1,509 |
| Return on Equity (ROE) | 15.7548% | 637 |
| Retained earnings to average equity (ytd only) | 7.8595% | 1,321 |
| Net charge-offs to loans | -0.0046% | 4,717 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3918% | 3,946 |
| Assets per employee ($millions) | 3.6917% | 4,443 |
| Cash dividends to net income (ytd only)* | 50.1139% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 2,316 |
| Loan loss allowance to noncurrent loans | 1,458.0882% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 4,314 |
| Noncurrent loans to loans | 0.1025% | 5,337 |
| Net loans and leases to total assets | 75.2916% | 1,468 |
| Net loans and leases to deposits | 85.9643% | 2,059 |
| Net loans and leases to core deposits | 107.7523% | 972 |
| Total domestic deposits to total assets | 87.5847% | 1,854 |
| Equity capital to assets | 9.7411% | 4,354 |
| Core capital (leverage) ratio | 9.6121% | 4,122 |
| Tier 1 risk-based capital ratio | 12.5426% | 4,779 |
| Total risk-based capital ratio | 13.7955% | 4,694 |
| Memoranda: | ||
| Average total assets | $170,568,330 | 3,338 |
| Average earning assets | $149,678,000 | 3,459 |
| Average equity | $16,718,670 | 3,607 |
| Average total loans | $130,383,670 | 2,904 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4996% | 259 |
| Cost of funding earning assets | 0.4366% | 2,914 |
| Net interest margin | 5.0630% | 222 |
| Noninterest income to average assets | 0.6671% | 2,324 |
| Noninterest expense to average assets | 3.4395% | 1,424 |
| Loan and lease loss provision to assets | 0.1774% | 1,092 |
| Net operating income to assets | 1.3294% | 1,186 |
| Return on assets (ROA) | 1.3294% | 1,266 |
| Pretax return on assets | 1.3294% | 2,158 |
| Return on Equity (ROE) | 13.5202% | 977 |
| Retained earnings to average equity (ytd only) | 13.5202% | 395 |
| Net charge-offs to loans | 0.0186% | 2,788 |
| Credit loss provision to net charge-offs | 1,250.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 106.1667% | 470 |
| Efficiency ratio | 69.5361% | 3,573 |
| Assets per employee ($millions) | 3.5954% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 2,529 |
| Loan loss allowance to noncurrent loans | 393.9834% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 3,313 |
| Noncurrent loans to loans | 0.3758% | 4,465 |
| Net loans and leases to total assets | 73.2147% | 1,615 |
| Net loans and leases to deposits | 83.7297% | 2,117 |
| Net loans and leases to core deposits | 105.8587% | 945 |
| Total domestic deposits to total assets | 87.4418% | 2,148 |
| Equity capital to assets | 9.8146% | 4,373 |
| Core capital (leverage) ratio | 9.6940% | 4,021 |
| Tier 1 risk-based capital ratio | 12.4815% | 4,917 |
| Total risk-based capital ratio | 13.7335% | 4,831 |
| Memoranda: | ||
| Average total assets | $169,096,500 | 3,382 |
| Average earning assets | $142,920,500 | 3,579 |
| Average equity | $16,627,000 | 3,645 |
| Average total loans | $129,264,000 | 2,920 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6905% | 227 |
| Cost of funding earning assets | 0.4640% | 3,034 |
| Net interest margin | 5.2264% | 202 |
| Noninterest income to average assets | 0.7303% | 2,163 |
| Noninterest expense to average assets | 3.8743% | 881 |
| Loan and lease loss provision to assets | 0.1696% | 1,539 |
| Net operating income to assets | 1.2783% | 1,351 |
| Return on assets (ROA) | 1.2783% | 1,403 |
| Pretax return on assets | 1.2783% | 2,313 |
| Return on Equity (ROE) | 12.0914% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.0769% | 2,546 |
| Net charge-offs to loans | 0.1398% | 2,628 |
| Credit loss provision to net charge-offs | 151.7857% | 1,596 |
| Earnings coverage of net charge-offs (x) | 12.9583% | 2,319 |
| Efficiency ratio | 72.7943% | 3,072 |
| Assets per employee ($millions) | 3.4503% | 4,978 |
| Cash dividends to net income (ytd only)* | 58.0125% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 2,929 |
| Loan loss allowance to noncurrent loans | 451.8519% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 3,487 |
| Noncurrent loans to loans | 0.3109% | 4,727 |
| Net loans and leases to total assets | 77.5573% | 1,064 |
| Net loans and leases to deposits | 88.9601% | 1,623 |
| Net loans and leases to core deposits | 108.7457% | 841 |
| Total domestic deposits to total assets | 87.1822% | 2,175 |
| Equity capital to assets | 9.8519% | 4,287 |
| Core capital (leverage) ratio | 9.9625% | 3,630 |
| Tier 1 risk-based capital ratio | 12.3257% | 5,138 |
| Total risk-based capital ratio | 13.5777% | 5,052 |
| Memoranda: | ||
| Average total assets | $150,350,800 | 3,629 |
| Average earning assets | $132,098,000 | 3,719 |
| Average equity | $15,895,600 | 3,684 |
| Average total loans | $120,189,200 | 3,038 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 223 |
| Cost of funding earning assets | 0.4676% | 3,074 |
| Net interest margin | 5.2450% | 189 |
| Noninterest income to average assets | 0.7388% | 2,142 |
| Noninterest expense to average assets | 3.9271% | 815 |
| Loan and lease loss provision to assets | 0.1365% | 1,832 |
| Net operating income to assets | 1.2884% | 1,398 |
| Return on assets (ROA) | 1.2884% | 1,454 |
| Pretax return on assets | 1.2884% | 2,421 |
| Return on Equity (ROE) | 11.9562% | 1,491 |
| Retained earnings to average equity (ytd only) | 4.5258% | 3,430 |
| Net charge-offs to loans | 0.0589% | 3,369 |
| Credit loss provision to net charge-offs | 288.4615% | 938 |
| Earnings coverage of net charge-offs (x) | 30.1161% | 1,368 |
| Efficiency ratio | 73.3764% | 2,926 |
| Assets per employee ($millions) | 3.2595% | 5,311 |
| Cash dividends to net income (ytd only)* | 62.1468% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 2,824 |
| Loan loss allowance to noncurrent loans | 375.7143% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 4,046 |
| Noncurrent loans to loans | 0.3938% | 4,729 |
| Net loans and leases to total assets | 76.7533% | 1,134 |
| Net loans and leases to deposits | 88.2951% | 1,630 |
| Net loans and leases to core deposits | 107.3253% | 882 |
| Total domestic deposits to total assets | 86.9281% | 2,359 |
| Equity capital to assets | 10.0428% | 4,113 |
| Core capital (leverage) ratio | 10.3835% | 3,177 |
| Tier 1 risk-based capital ratio | 12.7164% | 5,029 |
| Total risk-based capital ratio | 13.9689% | 4,937 |
| Memoranda: | ||
| Average total assets | $146,535,250 | 3,718 |
| Average earning assets | $128,882,250 | 3,810 |
| Average equity | $15,790,500 | 3,719 |
| Average total loans | $117,667,750 | 3,107 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 190 |
| Cost of funding earning assets | 0.4738% | 3,077 |
| Net interest margin | 5.3076% | 167 |
| Noninterest income to average assets | 0.7697% | 1,961 |
| Noninterest expense to average assets | 4.0340% | 732 |
| Loan and lease loss provision to assets | 0.1055% | 2,259 |
| Net operating income to assets | 1.2804% | 1,366 |
| Return on assets (ROA) | 1.2804% | 1,420 |
| Pretax return on assets | 1.2804% | 2,335 |
| Return on Equity (ROE) | 11.5869% | 1,550 |
| Retained earnings to average equity (ytd only) | 3.3742% | 4,055 |
| Net charge-offs to loans | 0.1005% | 2,676 |
| Credit loss provision to net charge-offs | 129.3103% | 1,612 |
| Earnings coverage of net charge-offs (x) | 16.9828% | 1,757 |
| Efficiency ratio | 74.4289% | 2,903 |
| Assets per employee ($millions) | 2.9226% | 5,864 |
| Cash dividends to net income (ytd only)* | 70.8791% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 2,937 |
| Loan loss allowance to noncurrent loans | 280.2548% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 3,421 |
| Noncurrent loans to loans | 0.5327% | 4,414 |
| Net loans and leases to total assets | 77.9174% | 920 |
| Net loans and leases to deposits | 90.4009% | 1,333 |
| Net loans and leases to core deposits | 103.6715% | 1,043 |
| Total domestic deposits to total assets | 86.1909% | 2,938 |
| Equity capital to assets | 10.5901% | 3,325 |
| Core capital (leverage) ratio | 10.8295% | 2,596 |
| Tier 1 risk-based capital ratio | 13.2296% | 4,767 |
| Total risk-based capital ratio | 14.4817% | 4,701 |
| Memoranda: | ||
| Average total assets | $142,141,330 | 3,818 |
| Average earning assets | $124,537,330 | 3,921 |
| Average equity | $15,707,330 | 3,743 |
| Average total loans | $115,414,000 | 3,145 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 214 |
| Cost of funding earning assets | 0.4807% | 3,101 |
| Net interest margin | 5.2355% | 173 |
| Noninterest income to average assets | 0.7297% | 2,029 |
| Noninterest expense to average assets | 3.9889% | 771 |
| Loan and lease loss provision to assets | 0.2163% | 1,057 |
| Net operating income to assets | 1.1104% | 1,779 |
| Return on assets (ROA) | 1.1104% | 1,831 |
| Pretax return on assets | 1.1104% | 2,855 |
| Return on Equity (ROE) | 9.8286% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.8286% | 1,007 |
| Net charge-offs to loans | 0.0876% | 2,283 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,419 |
| Efficiency ratio | 75.0407% | 2,963 |
| Assets per employee ($millions) | 2.8806% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 2,843 |
| Loan loss allowance to noncurrent loans | 179.4795% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 3,143 |
| Noncurrent loans to loans | 0.8733% | 3,708 |
| Net loans and leases to total assets | 78.1743% | 755 |
| Net loans and leases to deposits | 91.2277% | 1,017 |
| Net loans and leases to core deposits | 105.9777% | 757 |
| Total domestic deposits to total assets | 85.6914% | 3,519 |
| Equity capital to assets | 11.0121% | 2,702 |
| Core capital (leverage) ratio | 11.3393% | 2,103 |
| Tier 1 risk-based capital ratio | 13.6228% | 4,596 |
| Total risk-based capital ratio | 14.8664% | 4,549 |
| Memoranda: | ||
| Average total assets | $138,685,000 | 3,903 |
| Average earning assets | $121,477,500 | 4,012 |
| Average equity | $15,668,500 | 3,755 |
| Average total loans | $114,171,500 | 3,182 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0028% | 168 |
| Cost of funding earning assets | 0.5171% | 3,432 |
| Net interest margin | 5.4857% | 142 |
| Noninterest income to average assets | 1.0842% | 1,202 |
| Noninterest expense to average assets | 4.0252% | 851 |
| Loan and lease loss provision to assets | 0.1924% | 1,921 |
| Net operating income to assets | 1.6990% | 583 |
| Return on assets (ROA) | 1.6990% | 593 |
| Pretax return on assets | 1.6990% | 958 |
| Return on Equity (ROE) | 14.4709% | 854 |
| Retained earnings to average equity (ytd only) | 5.9181% | 2,017 |
| Net charge-offs to loans | 0.1769% | 3,060 |
| Credit loss provision to net charge-offs | 128.8660% | 1,820 |
| Earnings coverage of net charge-offs (x) | 12.6701% | 2,104 |
| Efficiency ratio | 68.0323% | 4,193 |
| Assets per employee ($millions) | 2.6145% | 6,303 |
| Cash dividends to net income (ytd only)* | 59.1033% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,054 |
| Loan loss allowance to noncurrent loans | 164.2790% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 2,937 |
| Noncurrent loans to loans | 0.9311% | 3,664 |
| Net loans and leases to total assets | 84.1553% | 244 |
| Net loans and leases to deposits | 102.3291% | 384 |
| Net loans and leases to core deposits | 109.3238% | 638 |
| Total domestic deposits to total assets | 82.2399% | 4,794 |
| Equity capital to assets | 11.6066% | 2,092 |
| Core capital (leverage) ratio | 11.5565% | 1,917 |
| Tier 1 risk-based capital ratio | 13.5992% | 4,581 |
| Total risk-based capital ratio | 14.8529% | 4,526 |
| Memoranda: | ||
| Average total assets | $129,956,600 | 4,073 |
| Average earning assets | $114,479,200 | 4,172 |
| Average equity | $15,258,200 | 3,822 |
| Average total loans | $109,642,200 | 3,251 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0414% | 166 |
| Cost of funding earning assets | 0.5293% | 3,470 |
| Net interest margin | 5.5122% | 129 |
| Noninterest income to average assets | 1.2981% | 879 |
| Noninterest expense to average assets | 3.9675% | 888 |
| Loan and lease loss provision to assets | 0.2324% | 1,554 |
| Net operating income to assets | 1.9487% | 402 |
| Return on assets (ROA) | 1.9487% | 416 |
| Pretax return on assets | 1.9487% | 652 |
| Return on Equity (ROE) | 16.5482% | 585 |
| Retained earnings to average equity (ytd only) | 7.6032% | 1,587 |
| Net charge-offs to loans | 0.1891% | 2,710 |
| Credit loss provision to net charge-offs | 146.1039% | 1,612 |
| Earnings coverage of net charge-offs (x) | 13.7142% | 2,005 |
| Efficiency ratio | 64.5280% | 4,716 |
| Assets per employee ($millions) | 2.7503% | 6,220 |
| Cash dividends to net income (ytd only)* | 54.0542% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,103 |
| Loan loss allowance to noncurrent loans | 133.9939% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 2,530 |
| Noncurrent loans to loans | 1.1788% | 3,466 |
| Net loans and leases to total assets | 82.9733% | 294 |
| Net loans and leases to deposits | 99.8096% | 474 |
| Net loans and leases to core deposits | 114.0902% | 449 |
| Total domestic deposits to total assets | 83.1316% | 4,530 |
| Equity capital to assets | 11.6963% | 2,131 |
| Core capital (leverage) ratio | 11.9195% | 1,719 |
| Tier 1 risk-based capital ratio | 13.9522% | 4,470 |
| Total risk-based capital ratio | 15.2063% | 4,416 |
| Memoranda: | ||
| Average total assets | $129,111,250 | 4,135 |
| Average earning assets | $113,612,750 | 4,233 |
| Average equity | $15,203,750 | 3,875 |
| Average total loans | $108,564,250 | 3,299 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1669% | 137 |
| Cost of funding earning assets | 0.5350% | 3,549 |
| Net interest margin | 5.6319% | 116 |
| Noninterest income to average assets | 1.2985% | 920 |
| Noninterest expense to average assets | 3.8707% | 1,015 |
| Loan and lease loss provision to assets | 0.2341% | 1,589 |
| Net operating income to assets | 2.1554% | 279 |
| Return on assets (ROA) | 2.1554% | 293 |
| Pretax return on assets | 2.1554% | 450 |
| Return on Equity (ROE) | 18.2616% | 444 |
| Retained earnings to average equity (ytd only) | 8.5423% | 1,273 |
| Net charge-offs to loans | 0.0910% | 3,450 |
| Credit loss provision to net charge-offs | 306.1224% | 841 |
| Earnings coverage of net charge-offs (x) | 31.2449% | 1,117 |
| Efficiency ratio | 61.8300% | 5,195 |
| Assets per employee ($millions) | 2.6449% | 6,357 |
| Cash dividends to net income (ytd only)* | 53.2223% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,025 |
| Loan loss allowance to noncurrent loans | 196.2678% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 3,129 |
| Noncurrent loans to loans | 0.8333% | 4,248 |
| Net loans and leases to total assets | 84.7008% | 198 |
| Net loans and leases to deposits | 100.7184% | 388 |
| Net loans and leases to core deposits | 117.5870% | 362 |
| Total domestic deposits to total assets | 84.0966% | 4,275 |
| Equity capital to assets | 11.9673% | 1,938 |
| Core capital (leverage) ratio | 11.8721% | 1,689 |
| Tier 1 risk-based capital ratio | 14.1532% | 4,322 |
| Total risk-based capital ratio | 15.4085% | 4,278 |
| Memoranda: | ||
| Average total assets | $128,143,000 | 4,182 |
| Average earning assets | $112,893,000 | 4,271 |
| Average equity | $15,124,670 | 3,921 |
| Average total loans | $107,653,670 | 3,327 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2512% | 121 |
| Cost of funding earning assets | 0.5444% | 3,631 |
| Net interest margin | 5.7069% | 103 |
| Noninterest income to average assets | 1.4634% | 721 |
| Noninterest expense to average assets | 3.7844% | 1,134 |
| Loan and lease loss provision to assets | 0.2330% | 1,566 |
| Net operating income to assets | 2.4298% | 174 |
| Return on assets (ROA) | 2.4298% | 186 |
| Pretax return on assets | 2.4298% | 298 |
| Return on Equity (ROE) | 20.7283% | 246 |
| Retained earnings to average equity (ytd only) | 20.7283% | 116 |
| Net charge-offs to loans | 0.0487% | 3,350 |
| Credit loss provision to net charge-offs | 576.9231% | 470 |
| Earnings coverage of net charge-offs (x) | 65.9231% | 548 |
| Efficiency ratio | 58.6988% | 5,755 |
| Assets per employee ($millions) | 2.8372% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 3,271 |
| Loan loss allowance to noncurrent loans | 496.8750% | 859 |
| Noncurrent assets plus other real estate owned to assets | 1.5273% | 2,969 |
| Noncurrent loans to loans | 0.3282% | 5,580 |
| Net loans and leases to total assets | 82.6330% | 260 |
| Net loans and leases to deposits | 98.6387% | 414 |
| Net loans and leases to core deposits | 113.9961% | 390 |
| Total domestic deposits to total assets | 83.7734% | 4,566 |
| Equity capital to assets | 12.1145% | 1,961 |
| Core capital (leverage) ratio | 12.1173% | 1,504 |
| Tier 1 risk-based capital ratio | 14.0147% | 4,494 |
| Total risk-based capital ratio | 15.2685% | 4,451 |
| Memoranda: | ||
| Average total assets | $128,737,500 | 4,210 |
| Average earning assets | $112,426,000 | 4,321 |
| Average equity | $15,090,500 | 3,980 |
| Average total loans | $106,821,000 | 3,366 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3401% | 157 |
| Cost of funding earning assets | 0.6356% | 4,042 |
| Net interest margin | 5.7045% | 129 |
| Noninterest income to average assets | 0.9692% | 1,636 |
| Noninterest expense to average assets | 4.0907% | 867 |
| Loan and lease loss provision to assets | 0.3184% | 2,148 |
| Net operating income to assets | 1.5295% | 862 |
| Return on assets (ROA) | 1.5295% | 954 |
| Pretax return on assets | 1.5295% | 1,598 |
| Return on Equity (ROE) | 12.8221% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.1315% | 3,320 |
| Net charge-offs to loans | 0.2488% | 3,447 |
| Credit loss provision to net charge-offs | 154.8000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 8.9840% | 2,323 |
| Efficiency ratio | 68.8833% | 3,991 |
| Assets per employee ($millions) | 2.8845% | 6,187 |
| Cash dividends to net income (ytd only)* | 67.7784% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,380 |
| Loan loss allowance to noncurrent loans | 203.0084% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 2,460 |
| Noncurrent loans to loans | 0.7811% | 4,622 |
| Net loans and leases to total assets | 80.6659% | 406 |
| Net loans and leases to deposits | 95.4206% | 656 |
| Net loans and leases to core deposits | 112.9551% | 439 |
| Total domestic deposits to total assets | 84.5372% | 4,071 |
| Equity capital to assets | 11.3357% | 2,596 |
| Core capital (leverage) ratio | 11.6634% | 1,758 |
| Tier 1 risk-based capital ratio | 12.9511% | 5,143 |
| Total risk-based capital ratio | 14.2041% | 5,081 |
| Memoranda: | ||
| Average total assets | $121,544,400 | 4,327 |
| Average earning assets | $105,881,000 | 4,455 |
| Average equity | $14,498,400 | 4,064 |
| Average total loans | $100,490,000 | 3,509 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3656% | 164 |
| Cost of funding earning assets | 0.6483% | 4,215 |
| Net interest margin | 5.7173% | 137 |
| Noninterest income to average assets | 0.9541% | 1,662 |
| Noninterest expense to average assets | 4.0843% | 845 |
| Loan and lease loss provision to assets | 0.4319% | 1,468 |
| Net operating income to assets | 1.4273% | 1,163 |
| Return on assets (ROA) | 1.4273% | 1,286 |
| Pretax return on assets | 1.4273% | 2,152 |
| Return on Equity (ROE) | 11.8058% | 1,698 |
| Retained earnings to average equity (ytd only) | 4.7906% | 3,521 |
| Net charge-offs to loans | 0.3138% | 2,873 |
| Credit loss provision to net charge-offs | 166.0944% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.1502% | 2,651 |
| Efficiency ratio | 68.7195% | 3,926 |
| Assets per employee ($millions) | 2.7919% | 6,364 |
| Cash dividends to net income (ytd only)* | 59.4216% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,284 |
| Loan loss allowance to noncurrent loans | 338.0952% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 2.0742% | 2,561 |
| Noncurrent loans to loans | 0.4917% | 5,462 |
| Net loans and leases to total assets | 82.0486% | 341 |
| Net loans and leases to deposits | 98.3183% | 526 |
| Net loans and leases to core deposits | 113.3553% | 448 |
| Total domestic deposits to total assets | 83.4520% | 4,457 |
| Equity capital to assets | 11.9413% | 2,313 |
| Core capital (leverage) ratio | 12.2226% | 1,525 |
| Tier 1 risk-based capital ratio | 13.5009% | 4,878 |
| Total risk-based capital ratio | 14.7547% | 4,832 |
| Memoranda: | ||
| Average total assets | $119,480,000 | 4,411 |
| Average earning assets | $104,266,500 | 4,534 |
| Average equity | $14,444,500 | 4,118 |
| Average total loans | $99,014,250 | 3,587 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3710% | 171 |
| Cost of funding earning assets | 0.6735% | 4,242 |
| Net interest margin | 5.6975% | 134 |
| Noninterest income to average assets | 0.9581% | 1,587 |
| Noninterest expense to average assets | 4.0656% | 871 |
| Loan and lease loss provision to assets | 0.4360% | 1,487 |
| Net operating income to assets | 1.4312% | 1,125 |
| Return on assets (ROA) | 1.4312% | 1,259 |
| Pretax return on assets | 1.4312% | 2,083 |
| Return on Equity (ROE) | 11.7887% | 1,732 |
| Retained earnings to average equity (ytd only) | 4.5513% | 3,577 |
| Net charge-offs to loans | 0.1492% | 3,718 |
| Credit loss provision to net charge-offs | 353.4247% | 827 |
| Earnings coverage of net charge-offs (x) | 15.1370% | 1,665 |
| Efficiency ratio | 68.5275% | 4,035 |
| Assets per employee ($millions) | 2.6878% | 6,544 |
| Cash dividends to net income (ytd only)* | 61.3932% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 3,065 |
| Loan loss allowance to noncurrent loans | 94.2966% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 3.0186% | 1,824 |
| Noncurrent loans to loans | 1.8468% | 3,152 |
| Net loans and leases to total assets | 82.8233% | 278 |
| Net loans and leases to deposits | 100.0143% | 414 |
| Net loans and leases to core deposits | 111.2296% | 529 |
| Total domestic deposits to total assets | 82.8115% | 4,822 |
| Equity capital to assets | 12.2234% | 1,992 |
| Core capital (leverage) ratio | 12.0552% | 1,576 |
| Tier 1 risk-based capital ratio | 14.1566% | 4,335 |
| Total risk-based capital ratio | 15.4125% | 4,298 |
| Memoranda: | ||
| Average total assets | $118,359,000 | 4,458 |
| Average earning assets | $103,342,670 | 4,589 |
| Average equity | $14,369,670 | 4,121 |
| Average total loans | $97,854,000 | 3,626 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 232 |
| Cost of funding earning assets | 0.6924% | 4,347 |
| Net interest margin | 5.5002% | 185 |
| Noninterest income to average assets | 1.1520% | 1,069 |
| Noninterest expense to average assets | 4.0775% | 853 |
| Loan and lease loss provision to assets | 0.4358% | 1,435 |
| Net operating income to assets | 1.4155% | 1,193 |
| Return on assets (ROA) | 1.4155% | 1,339 |
| Pretax return on assets | 1.4155% | 2,140 |
| Return on Equity (ROE) | 11.6986% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.6986% | 877 |
| Net charge-offs to loans | 0.4374% | 2,001 |
| Credit loss provision to net charge-offs | 121.6981% | 1,959 |
| Earnings coverage of net charge-offs (x) | 5.1698% | 2,422 |
| Efficiency ratio | 68.7749% | 4,019 |
| Assets per employee ($millions) | 2.7740% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 3,637 |
| Loan loss allowance to noncurrent loans | 217.8670% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 2.2853% | 2,607 |
| Noncurrent loans to loans | 0.7448% | 5,178 |
| Net loans and leases to total assets | 79.9551% | 407 |
| Net loans and leases to deposits | 96.3071% | 515 |
| Net loans and leases to core deposits | 110.4533% | 522 |
| Total domestic deposits to total assets | 83.0209% | 4,918 |
| Equity capital to assets | 12.1846% | 1,926 |
| Core capital (leverage) ratio | 12.2180% | 1,475 |
| Tier 1 risk-based capital ratio | 14.4815% | 4,122 |
| Total risk-based capital ratio | 15.7349% | 4,082 |
| Memoranda: | ||
| Average total assets | $118,406,000 | 4,488 |
| Average earning assets | $102,832,000 | 4,635 |
| Average equity | $14,326,500 | 4,130 |
| Average total loans | $96,937,500 | 3,662 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4029% | 214 |
| Cost of funding earning assets | 0.8232% | 4,686 |
| Net interest margin | 5.5796% | 157 |
| Noninterest income to average assets | 1.1855% | 942 |
| Noninterest expense to average assets | 4.1997% | 809 |
| Loan and lease loss provision to assets | 0.6176% | 1,670 |
| Net operating income to assets | 1.2727% | 1,312 |
| Return on assets (ROA) | 1.2727% | 1,416 |
| Pretax return on assets | 1.2727% | 2,227 |
| Return on Equity (ROE) | 10.5214% | 1,869 |
| Retained earnings to average equity (ytd only) | -0.4667% | 5,928 |
| Net charge-offs to loans | 0.7587% | 2,260 |
| Credit loss provision to net charge-offs | 97.3046% | 3,704 |
| Earnings coverage of net charge-offs (x) | 2.9784% | 3,718 |
| Efficiency ratio | 68.9607% | 4,161 |
| Assets per employee ($millions) | 2.7333% | 6,559 |
| Cash dividends to net income (ytd only)* | 104.4355% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 3,593 |
| Loan loss allowance to noncurrent loans | 121.8553% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 2.6495% | 2,297 |
| Noncurrent loans to loans | 1.3123% | 4,179 |
| Net loans and leases to total assets | 81.1537% | 396 |
| Net loans and leases to deposits | 97.6314% | 583 |
| Net loans and leases to core deposits | 112.5335% | 553 |
| Total domestic deposits to total assets | 83.1226% | 4,699 |
| Equity capital to assets | 12.0131% | 2,118 |
| Core capital (leverage) ratio | 11.9053% | 1,652 |
| Tier 1 risk-based capital ratio | 14.2873% | 4,117 |
| Total risk-based capital ratio | 15.5416% | 4,080 |
| Memoranda: | ||
| Average total assets | $116,913,600 | 4,481 |
| Average earning assets | $102,766,600 | 4,567 |
| Average equity | $14,142,600 | 4,081 |
| Average total loans | $97,795,600 | 3,674 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4454% | 212 |
| Cost of funding earning assets | 0.8623% | 4,688 |
| Net interest margin | 5.5831% | 157 |
| Noninterest income to average assets | 1.1739% | 957 |
| Noninterest expense to average assets | 4.0915% | 905 |
| Loan and lease loss provision to assets | 0.5310% | 1,863 |
| Net operating income to assets | 1.4754% | 997 |
| Return on assets (ROA) | 1.4754% | 1,078 |
| Pretax return on assets | 1.4754% | 1,719 |
| Return on Equity (ROE) | 12.1753% | 1,499 |
| Retained earnings to average equity (ytd only) | -0.1131% | 5,992 |
| Net charge-offs to loans | 0.3333% | 3,424 |
| Credit loss provision to net charge-offs | 189.7959% | 1,534 |
| Earnings coverage of net charge-offs (x) | 7.1714% | 2,407 |
| Efficiency ratio | 67.0974% | 4,502 |
| Assets per employee ($millions) | 2.6613% | 6,709 |
| Cash dividends to net income (ytd only)* | 100.9288% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 2,802 |
| Loan loss allowance to noncurrent loans | 112.7834% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 2.9199% | 2,208 |
| Noncurrent loans to loans | 1.6310% | 3,851 |
| Net loans and leases to total assets | 81.6183% | 387 |
| Net loans and leases to deposits | 98.6784% | 533 |
| Net loans and leases to core deposits | 120.1909% | 381 |
| Total domestic deposits to total assets | 82.7115% | 4,788 |
| Equity capital to assets | 12.1209% | 2,157 |
| Core capital (leverage) ratio | 11.9414% | 1,735 |
| Tier 1 risk-based capital ratio | 14.4100% | 4,042 |
| Total risk-based capital ratio | 15.6671% | 4,007 |
| Memoranda: | ||
| Average total assets | $116,759,500 | 4,516 |
| Average earning assets | $102,975,250 | 4,596 |
| Average equity | $14,148,500 | 4,097 |
| Average total loans | $98,012,000 | 3,701 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4546% | 217 |
| Cost of funding earning assets | 0.9010% | 4,662 |
| Net interest margin | 5.5536% | 165 |
| Noninterest income to average assets | 1.1522% | 967 |
| Noninterest expense to average assets | 4.0087% | 1,039 |
| Loan and lease loss provision to assets | 0.4852% | 2,035 |
| Net operating income to assets | 1.5723% | 770 |
| Return on assets (ROA) | 1.5723% | 815 |
| Pretax return on assets | 1.5723% | 1,315 |
| Return on Equity (ROE) | 12.9761% | 1,206 |
| Retained earnings to average equity (ytd only) | -1.9528% | 6,243 |
| Net charge-offs to loans | 0.2912% | 3,421 |
| Credit loss provision to net charge-offs | 197.9021% | 1,530 |
| Earnings coverage of net charge-offs (x) | 8.3916% | 2,067 |
| Efficiency ratio | 66.0825% | 4,858 |
| Assets per employee ($millions) | 2.6801% | 6,665 |
| Cash dividends to net income (ytd only)* | 115.0491% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 3,285 |
| Loan loss allowance to noncurrent loans | 81.6229% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 3.0468% | 2,206 |
| Noncurrent loans to loans | 2.0996% | 3,353 |
| Net loans and leases to total assets | 83.1623% | 293 |
| Net loans and leases to deposits | 103.3676% | 339 |
| Net loans and leases to core deposits | 125.2522% | 324 |
| Total domestic deposits to total assets | 80.4530% | 5,690 |
| Equity capital to assets | 11.9058% | 2,159 |
| Core capital (leverage) ratio | 11.8412% | 1,697 |
| Tier 1 risk-based capital ratio | 14.1603% | 4,051 |
| Total risk-based capital ratio | 15.4169% | 4,011 |
| Memoranda: | ||
| Average total assets | $116,647,670 | 4,543 |
| Average earning assets | $103,213,000 | 4,622 |
| Average equity | $14,133,670 | 4,102 |
| Average total loans | $98,228,670 | 3,737 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6454% | 171 |
| Cost of funding earning assets | 0.9365% | 4,674 |
| Net interest margin | 5.7089% | 120 |
| Noninterest income to average assets | 0.9034% | 1,650 |
| Noninterest expense to average assets | 3.8756% | 1,210 |
| Loan and lease loss provision to assets | 0.5896% | 1,458 |
| Net operating income to assets | 1.4826% | 903 |
| Return on assets (ROA) | 1.4826% | 948 |
| Pretax return on assets | 1.4826% | 1,498 |
| Return on Equity (ROE) | 12.1293% | 1,425 |
| Retained earnings to average equity (ytd only) | 5.7544% | 2,776 |
| Net charge-offs to loans | 0.2504% | 3,085 |
| Credit loss provision to net charge-offs | 280.3279% | 1,136 |
| Earnings coverage of net charge-offs (x) | 9.8525% | 1,683 |
| Efficiency ratio | 65.1594% | 5,176 |
| Assets per employee ($millions) | 2.6575% | 6,759 |
| Cash dividends to net income (ytd only)* | 52.5581% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 3,273 |
| Loan loss allowance to noncurrent loans | 78.9103% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 2.9487% | 2,346 |
| Noncurrent loans to loans | 2.1816% | 3,341 |
| Net loans and leases to total assets | 82.0195% | 342 |
| Net loans and leases to deposits | 99.1482% | 519 |
| Net loans and leases to core deposits | 119.2562% | 440 |
| Total domestic deposits to total assets | 82.7241% | 5,020 |
| Equity capital to assets | 12.2336% | 1,769 |
| Core capital (leverage) ratio | 12.2218% | 1,449 |
| Tier 1 risk-based capital ratio | 14.9928% | 3,429 |
| Total risk-based capital ratio | 16.2491% | 3,384 |
| Memoranda: | ||
| Average total assets | $116,008,500 | 4,589 |
| Average earning assets | $102,507,000 | 4,670 |
| Average equity | $14,180,500 | 4,076 |
| Average total loans | $97,453,000 | 3,794 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9060% | 162 |
| Cost of funding earning assets | 1.0997% | 5,136 |
| Net interest margin | 5.8062% | 120 |
| Noninterest income to average assets | 0.9886% | 1,544 |
| Noninterest expense to average assets | 4.1497% | 961 |
| Loan and lease loss provision to assets | 0.3976% | 3,731 |
| Net operating income to assets | 1.5770% | 649 |
| Return on assets (ROA) | 1.5770% | 710 |
| Pretax return on assets | 1.5770% | 1,182 |
| Return on Equity (ROE) | 13.1467% | 1,053 |
| Retained earnings to average equity (ytd only) | 6.6212% | 1,496 |
| Net charge-offs to loans | 0.3089% | 4,474 |
| Credit loss provision to net charge-offs | 153.0612% | 2,334 |
| Earnings coverage of net charge-offs (x) | 7.6020% | 2,103 |
| Efficiency ratio | 67.7582% | 4,609 |
| Assets per employee ($millions) | 2.6764% | 6,729 |
| Cash dividends to net income (ytd only)* | 49.6359% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 3,528 |
| Loan loss allowance to noncurrent loans | 220.1964% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 4,111 |
| Noncurrent loans to loans | 0.7326% | 5,582 |
| Net loans and leases to total assets | 83.1985% | 366 |
| Net loans and leases to deposits | 102.1116% | 482 |
| Net loans and leases to core deposits | 117.2992% | 596 |
| Total domestic deposits to total assets | 81.4780% | 5,362 |
| Equity capital to assets | 12.2136% | 1,781 |
| Core capital (leverage) ratio | 12.3241% | 1,383 |
| Tier 1 risk-based capital ratio | 14.9055% | 3,305 |
| Total risk-based capital ratio | 16.1610% | 3,251 |
| Memoranda: | ||
| Average total assets | $113,188,200 | 4,631 |
| Average earning assets | $100,116,400 | 4,725 |
| Average equity | $13,577,600 | 4,241 |
| Average total loans | $95,172,800 | 3,918 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7607% | 212 |
| Cost of funding earning assets | 1.1482% | 5,160 |
| Net interest margin | 5.6125% | 143 |
| Noninterest income to average assets | 1.1557% | 1,049 |
| Noninterest expense to average assets | 4.1272% | 905 |
| Loan and lease loss provision to assets | 0.3844% | 3,582 |
| Net operating income to assets | 1.6052% | 742 |
| Return on assets (ROA) | 1.6052% | 810 |
| Pretax return on assets | 1.6052% | 1,336 |
| Return on Equity (ROE) | 13.4440% | 1,151 |
| Retained earnings to average equity (ytd only) | 4.6662% | 3,219 |
| Net charge-offs to loans | 0.1014% | 5,514 |
| Credit loss provision to net charge-offs | 451.3889% | 664 |
| Earnings coverage of net charge-offs (x) | 23.3605% | 1,061 |
| Efficiency ratio | 67.4724% | 4,567 |
| Assets per employee ($millions) | 2.5334% | 7,040 |
| Cash dividends to net income (ytd only)* | 65.2908% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 2,934 |
| Loan loss allowance to noncurrent loans | 121.7518% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 2.2356% | 3,150 |
| Noncurrent loans to loans | 1.4460% | 4,447 |
| Net loans and leases to total assets | 83.4980% | 366 |
| Net loans and leases to deposits | 103.7220% | 444 |
| Net loans and leases to core deposits | 122.4894% | 544 |
| Total domestic deposits to total assets | 80.5017% | 5,542 |
| Equity capital to assets | 12.3198% | 1,957 |
| Core capital (leverage) ratio | 12.2189% | 1,557 |
| Tier 1 risk-based capital ratio | 14.9136% | 3,297 |
| Total risk-based capital ratio | 16.1709% | 3,275 |
| Memoranda: | ||
| Average total assets | $112,714,000 | 4,701 |
| Average earning assets | $99,632,750 | 4,793 |
| Average equity | $13,458,000 | 4,337 |
| Average total loans | $94,636,250 | 4,005 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0585% | 143 |
| Cost of funding earning assets | 1.2075% | 5,083 |
| Net interest margin | 5.8510% | 117 |
| Noninterest income to average assets | 0.9741% | 1,449 |
| Noninterest expense to average assets | 4.1599% | 854 |
| Loan and lease loss provision to assets | 0.5304% | 2,666 |
| Net operating income to assets | 1.4408% | 1,011 |
| Return on assets (ROA) | 1.4408% | 1,080 |
| Pretax return on assets | 1.4408% | 1,724 |
| Return on Equity (ROE) | 12.1948% | 1,404 |
| Retained earnings to average equity (ytd only) | 2.3193% | 4,681 |
| Net charge-offs to loans | -0.0211% | 7,293 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8489% | 4,612 |
| Assets per employee ($millions) | 2.4787% | 7,125 |
| Cash dividends to net income (ytd only)* | 80.9816% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 2,661 |
| Loan loss allowance to noncurrent loans | 278.5137% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 1.6953% | 3,898 |
| Noncurrent loans to loans | 0.6542% | 5,947 |
| Net loans and leases to total assets | 83.2782% | 409 |
| Net loans and leases to deposits | 103.6036% | 503 |
| Net loans and leases to core deposits | 122.1077% | 627 |
| Total domestic deposits to total assets | 80.3816% | 5,602 |
| Equity capital to assets | 11.9927% | 2,099 |
| Core capital (leverage) ratio | 11.7017% | 1,804 |
| Tier 1 risk-based capital ratio | 14.6025% | 3,385 |
| Total risk-based capital ratio | 15.8608% | 3,350 |
| Memoranda: | ||
| Average total assets | $113,128,330 | 4,729 |
| Average earning assets | $99,709,330 | 4,818 |
| Average equity | $13,366,330 | 4,360 |
| Average total loans | $94,600,330 | 4,047 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9232% | 192 |
| Cost of funding earning assets | 1.2751% | 4,963 |
| Net interest margin | 5.6481% | 148 |
| Noninterest income to average assets | 0.6847% | 2,703 |
| Noninterest expense to average assets | 3.9220% | 1,142 |
| Loan and lease loss provision to assets | 0.7900% | 1,600 |
| Net operating income to assets | 0.9340% | 2,417 |
| Return on assets (ROA) | 0.9340% | 2,481 |
| Pretax return on assets | 0.9340% | 3,329 |
| Return on Equity (ROE) | 7.9635% | 2,898 |
| Retained earnings to average equity (ytd only) | 7.9635% | 1,720 |
| Net charge-offs to loans | 0.1099% | 4,328 |
| Credit loss provision to net charge-offs | 865.3846% | 536 |
| Earnings coverage of net charge-offs (x) | 18.8846% | 1,223 |
| Efficiency ratio | 69.4652% | 4,416 |
| Assets per employee ($millions) | 2.5217% | 7,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 2,988 |
| Loan loss allowance to noncurrent loans | 180.8296% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 2.3062% | 3,144 |
| Noncurrent loans to loans | 0.9510% | 5,434 |
| Net loans and leases to total assets | 81.2332% | 681 |
| Net loans and leases to deposits | 99.9740% | 753 |
| Net loans and leases to core deposits | 121.6686% | 719 |
| Total domestic deposits to total assets | 81.2544% | 5,365 |
| Equity capital to assets | 11.8817% | 2,117 |
| Core capital (leverage) ratio | 11.6799% | 1,810 |
| Tier 1 risk-based capital ratio | 14.6306% | 3,303 |
| Total risk-based capital ratio | 15.8874% | 3,263 |
| Memoranda: | ||
| Average total assets | $113,921,000 | 4,770 |
| Average earning assets | $100,069,500 | 4,877 |
| Average equity | $13,361,000 | 4,390 |
| Average total loans | $94,593,000 | 4,110 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2892% | 177 |
| Cost of funding earning assets | 1.6214% | 4,924 |
| Net interest margin | 5.6677% | 154 |
| Noninterest income to average assets | 0.9019% | 1,930 |
| Noninterest expense to average assets | 3.9089% | 1,499 |
| Loan and lease loss provision to assets | 0.7707% | 2,800 |
| Net operating income to assets | 1.2092% | 1,226 |
| Return on assets (ROA) | 1.2092% | 1,272 |
| Pretax return on assets | 1.2092% | 1,929 |
| Return on Equity (ROE) | 10.8711% | 1,461 |
| Retained earnings to average equity (ytd only) | 6.3240% | 1,216 |
| Net charge-offs to loans | 0.8447% | 2,716 |
| Credit loss provision to net charge-offs | 109.3023% | 5,050 |
| Earnings coverage of net charge-offs (x) | 2.8078% | 3,687 |
| Efficiency ratio | 66.3784% | 5,317 |
| Assets per employee ($millions) | 2.5992% | 7,037 |
| Cash dividends to net income (ytd only)* | 41.8273% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 3,819 |
| Loan loss allowance to noncurrent loans | 75.8177% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 3.2090% | 2,141 |
| Noncurrent loans to loans | 1.9551% | 3,725 |
| Net loans and leases to total assets | 82.1737% | 663 |
| Net loans and leases to deposits | 105.9074% | 553 |
| Net loans and leases to core deposits | 135.0200% | 1,000 |
| Total domestic deposits to total assets | 77.5902% | 6,324 |
| Equity capital to assets | 11.5761% | 2,264 |
| Core capital (leverage) ratio | 11.4854% | 1,923 |
| Tier 1 risk-based capital ratio | 14.0432% | 3,473 |
| Total risk-based capital ratio | 15.1434% | 3,520 |
| Memoranda: | ||
| Average total assets | $115,863,400 | 4,682 |
| Average earning assets | $101,945,800 | 4,789 |
| Average equity | $12,887,400 | 4,538 |
| Average total loans | $96,721,800 | 4,043 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3313% | 183 |
| Cost of funding earning assets | 1.6937% | 4,932 |
| Net interest margin | 5.6375% | 154 |
| Noninterest income to average assets | 0.9211% | 1,900 |
| Noninterest expense to average assets | 3.9447% | 1,362 |
| Loan and lease loss provision to assets | 0.8064% | 2,352 |
| Net operating income to assets | 1.1333% | 1,626 |
| Return on assets (ROA) | 1.1333% | 1,699 |
| Pretax return on assets | 1.1333% | 2,466 |
| Return on Equity (ROE) | 10.2918% | 1,819 |
| Retained earnings to average equity (ytd only) | 6.0938% | 1,903 |
| Net charge-offs to loans | 0.4946% | 3,245 |
| Credit loss provision to net charge-offs | 195.2778% | 2,308 |
| Earnings coverage of net charge-offs (x) | 4.6972% | 3,035 |
| Efficiency ratio | 67.0370% | 5,179 |
| Assets per employee ($millions) | 2.4868% | 7,248 |
| Cash dividends to net income (ytd only)* | 40.7895% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 2,455 |
| Loan loss allowance to noncurrent loans | 113.9756% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 2.3970% | 2,876 |
| Noncurrent loans to loans | 1.5319% | 4,351 |
| Net loans and leases to total assets | 82.6467% | 722 |
| Net loans and leases to deposits | 107.9875% | 561 |
| Net loans and leases to core deposits | 141.3902% | 859 |
| Total domestic deposits to total assets | 76.5335% | 6,461 |
| Equity capital to assets | 11.4002% | 2,673 |
| Core capital (leverage) ratio | 11.2526% | 2,219 |
| Tier 1 risk-based capital ratio | 13.4555% | 3,889 |
| Total risk-based capital ratio | 14.7215% | 3,808 |
| Memoranda: | ||
| Average total assets | $116,238,000 | 4,694 |
| Average earning assets | $102,335,250 | 4,811 |
| Average equity | $12,799,500 | 4,586 |
| Average total loans | $97,054,250 | 4,062 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3547% | 190 |
| Cost of funding earning assets | 1.7871% | 4,825 |
| Net interest margin | 5.5675% | 170 |
| Noninterest income to average assets | 0.8832% | 2,050 |
| Noninterest expense to average assets | 3.8133% | 1,636 |
| Loan and lease loss provision to assets | 0.7154% | 2,293 |
| Net operating income to assets | 1.2546% | 1,345 |
| Return on assets (ROA) | 1.2546% | 1,420 |
| Pretax return on assets | 1.2546% | 2,146 |
| Return on Equity (ROE) | 11.5261% | 1,553 |
| Retained earnings to average equity (ytd only) | 8.4598% | 1,075 |
| Net charge-offs to loans | 0.6206% | 2,482 |
| Credit loss provision to net charge-offs | 138.4106% | 3,380 |
| Earnings coverage of net charge-offs (x) | 3.8113% | 3,303 |
| Efficiency ratio | 65.9367% | 5,556 |
| Assets per employee ($millions) | 2.5566% | 7,131 |
| Cash dividends to net income (ytd only)* | 26.6030% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,142 |
| Loan loss allowance to noncurrent loans | 99.8625% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 2.3955% | 2,711 |
| Noncurrent loans to loans | 1.5099% | 4,230 |
| Net loans and leases to total assets | 82.4935% | 868 |
| Net loans and leases to deposits | 104.7503% | 851 |
| Net loans and leases to core deposits | 127.7740% | 1,724 |
| Total domestic deposits to total assets | 78.7525% | 5,877 |
| Equity capital to assets | 11.2639% | 2,701 |
| Core capital (leverage) ratio | 10.9706% | 2,421 |
| Tier 1 risk-based capital ratio | 12.8469% | 4,245 |
| Total risk-based capital ratio | 14.0931% | 4,170 |
| Memoranda: | ||
| Average total assets | $116,853,000 | 4,711 |
| Average earning assets | $102,846,000 | 4,819 |
| Average equity | $12,719,000 | 4,621 |
| Average total loans | $97,331,670 | 4,088 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3728% | 201 |
| Cost of funding earning assets | 1.8943% | 4,653 |
| Net interest margin | 5.4784% | 181 |
| Noninterest income to average assets | 0.8220% | 2,217 |
| Noninterest expense to average assets | 3.6788% | 1,693 |
| Loan and lease loss provision to assets | 0.6794% | 1,860 |
| Net operating income to assets | 1.2874% | 1,413 |
| Return on assets (ROA) | 1.2874% | 1,510 |
| Pretax return on assets | 1.2874% | 2,322 |
| Return on Equity (ROE) | 12.0327% | 1,650 |
| Retained earnings to average equity (ytd only) | 12.0327% | 779 |
| Net charge-offs to loans | 0.6011% | 1,975 |
| Credit loss provision to net charge-offs | 136.0544% | 2,985 |
| Earnings coverage of net charge-offs (x) | 3.9388% | 3,023 |
| Efficiency ratio | 65.1625% | 5,477 |
| Assets per employee ($millions) | 2.6107% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 3,313 |
| Loan loss allowance to noncurrent loans | 79.3832% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 2.6804% | 2,126 |
| Noncurrent loans to loans | 1.8091% | 3,551 |
| Net loans and leases to total assets | 81.1998% | 1,156 |
| Net loans and leases to deposits | 103.6541% | 1,036 |
| Net loans and leases to core deposits | 136.3696% | 1,279 |
| Total domestic deposits to total assets | 78.3373% | 5,912 |
| Equity capital to assets | 10.8807% | 3,096 |
| Core capital (leverage) ratio | 10.6859% | 2,755 |
| Tier 1 risk-based capital ratio | 12.4925% | 4,557 |
| Total risk-based capital ratio | 13.6161% | 4,569 |
| Memoranda: | ||
| Average total assets | $117,755,000 | 4,711 |
| Average earning assets | $103,679,000 | 4,814 |
| Average equity | $12,599,000 | 4,681 |
| Average total loans | $97,817,000 | 4,090 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0934% | 173 |
| Cost of funding earning assets | 2.4796% | 4,321 |
| Net interest margin | 5.6138% | 168 |
| Noninterest income to average assets | 0.9477% | 1,776 |
| Noninterest expense to average assets | 3.8233% | 1,710 |
| Loan and lease loss provision to assets | 0.8015% | 1,849 |
| Net operating income to assets | 1.2779% | 1,546 |
| Return on assets (ROA) | 1.2779% | 1,498 |
| Pretax return on assets | 1.2779% | 2,384 |
| Return on Equity (ROE) | 12.2232% | 1,544 |
| Retained earnings to average equity (ytd only) | 5.2808% | 1,871 |
| Net charge-offs to loans | 0.7359% | 1,681 |
| Credit loss provision to net charge-offs | 130.8989% | 4,069 |
| Earnings coverage of net charge-offs (x) | 3.3961% | 4,386 |
| Efficiency ratio | 64.7727% | 5,378 |
| Assets per employee ($millions) | 2.3143% | 7,539 |
| Cash dividends to net income (ytd only)* | 56.7968% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 3,466 |
| Loan loss allowance to noncurrent loans | 121.8778% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.7809% | 2,751 |
| Noncurrent loans to loans | 1.1098% | 4,330 |
| Net loans and leases to total assets | 82.6175% | 1,118 |
| Net loans and leases to deposits | 110.3802% | 806 |
| Net loans and leases to core deposits | 134.5685% | 1,562 |
| Total domestic deposits to total assets | 74.8481% | 6,487 |
| Equity capital to assets | 10.5188% | 3,480 |
| Core capital (leverage) ratio | 10.3886% | 3,083 |
| Tier 1 risk-based capital ratio | 12.3315% | 4,563 |
| Total risk-based capital ratio | 13.5200% | 4,496 |
| Memoranda: | ||
| Average total assets | $116,287,200 | 4,601 |
| Average earning assets | $102,639,200 | 4,722 |
| Average equity | $12,157,200 | 4,792 |
| Average total loans | $96,753,600 | 4,041 |