Home > F&M Bank and Trust Company > Performance and Condition Ratios
F&M Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 3,715 |
| Cost of funding earning assets | 1.2907% | 2,547 |
| Net interest margin | 2.8638% | 3,552 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3070% | 2,835 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.6015% | 3,438 |
| Return on assets (ROA) | 0.6083% | 3,412 |
| Pretax return on assets | 0.7349% | 3,368 |
| Return on Equity (ROE) | 9.4500% | 2,646 |
| Retained earnings to average equity (ytd only) | 7.9359% | 1,558 |
| Net charge-offs to loans | 0.0484% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 23.8846% | 1,781 |
| Efficiency ratio | 76.1749% | 1,229 |
| Assets per employee ($millions) | 5.4598% | 3,285 |
| Cash dividends to net income (ytd only)* | 16.0458% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,200 |
| Loan loss allowance to noncurrent loans | 2,336.6667% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,428 |
| Noncurrent loans to loans | 0.0521% | 3,350 |
| Net loans and leases to total assets | 63.2000% | 2,547 |
| Net loans and leases to deposits | 68.1508% | 3,019 |
| Net loans and leases to core deposits | 72.4354% | 3,164 |
| Total domestic deposits to total assets | 92.7300% | 203 |
| Equity capital to assets | 6.8595% | 3,989 |
| Core capital (leverage) ratio | 9.0741% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1752% | 1,484 |
| Memoranda: | ||
| Average total assets | $172,124,800 | 3,182 |
| Average earning assets | $160,837,800 | 3,164 |
| Average equity | $11,076,200 | 3,611 |
| Average total loans | $107,430,000 | 3,098 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,781 |
| Cost of funding earning assets | 1.1788% | 2,494 |
| Net interest margin | 2.8598% | 3,617 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.3043% | 2,782 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.6067% | 3,529 |
| Return on assets (ROA) | 0.6106% | 3,507 |
| Pretax return on assets | 0.7462% | 3,458 |
| Return on Equity (ROE) | 9.6600% | 2,748 |
| Retained earnings to average equity (ytd only) | 7.5742% | 2,111 |
| Net charge-offs to loans | 0.0733% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 16.1552% | 1,941 |
| Efficiency ratio | 75.8318% | 1,190 |
| Assets per employee ($millions) | 5.4771% | 3,199 |
| Cash dividends to net income (ytd only)* | 21.5661% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,181 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,648 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.6100% | 2,494 |
| Net loans and leases to deposits | 69.3175% | 2,883 |
| Net loans and leases to core deposits | 73.5324% | 3,020 |
| Total domestic deposits to total assets | 91.7600% | 503 |
| Equity capital to assets | 6.0063% | 3,989 |
| Core capital (leverage) ratio | 9.1156% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0363% | 1,550 |
| Memoranda: | ||
| Average total assets | $170,112,500 | 3,199 |
| Average earning assets | $158,795,250 | 3,188 |
| Average equity | $10,755,500 | 3,645 |
| Average total loans | $105,470,250 | 3,120 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,883 |
| Cost of funding earning assets | 1.0735% | 2,370 |
| Net interest margin | 2.8193% | 3,792 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3243% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5439% | 3,715 |
| Return on assets (ROA) | 0.5487% | 3,709 |
| Pretax return on assets | 0.6794% | 3,644 |
| Return on Equity (ROE) | 8.5300% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.9795% | 2,288 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.5357% | 1,036 |
| Assets per employee ($millions) | 5.2173% | 3,395 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 1,751 |
| Loan loss allowance to noncurrent loans | 10,385.7143% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,472 |
| Noncurrent loans to loans | 0.0129% | 3,688 |
| Net loans and leases to total assets | 62.1300% | 2,565 |
| Net loans and leases to deposits | 67.2551% | 2,969 |
| Net loans and leases to core deposits | 70.9001% | 3,070 |
| Total domestic deposits to total assets | 92.3800% | 349 |
| Equity capital to assets | 6.4692% | 4,004 |
| Core capital (leverage) ratio | 9.1189% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $168,394,333 | 3,223 |
| Average earning assets | $157,060,333 | 3,209 |
| Average equity | $10,831,667 | 3,647 |
| Average total loans | $103,000,333 | 3,140 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,061 |
| Cost of funding earning assets | 0.9363% | 2,252 |
| Net interest margin | 2.7417% | 4,021 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.3158% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4912% | 3,921 |
| Return on assets (ROA) | 0.5045% | 3,849 |
| Pretax return on assets | 0.6654% | 3,728 |
| Return on Equity (ROE) | 7.8700% | 3,319 |
| Retained earnings to average equity (ytd only) | 4.7198% | 3,083 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.1199% | 992 |
| Assets per employee ($millions) | 4.9169% | 3,718 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,451 |
| Loan loss allowance to noncurrent loans | 10,385.7143% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,399 |
| Noncurrent loans to loans | 0.0139% | 3,718 |
| Net loans and leases to total assets | 59.3800% | 2,729 |
| Net loans and leases to deposits | 63.7419% | 3,112 |
| Net loans and leases to core deposits | 67.6099% | 3,124 |
| Total domestic deposits to total assets | 93.1600% | 283 |
| Equity capital to assets | 6.5680% | 4,011 |
| Core capital (leverage) ratio | 9.2917% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $166,506,500 | 3,286 |
| Average earning assets | $155,086,500 | 3,265 |
| Average equity | $10,678,500 | 3,705 |
| Average total loans | $100,286,500 | 3,213 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2470% | 3,725 |
| Cost of funding earning assets | 0.4197% | 1,945 |
| Net interest margin | 2.8273% | 3,835 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.3110% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5519% | 3,985 |
| Return on assets (ROA) | 0.5544% | 3,947 |
| Pretax return on assets | 0.7642% | 3,708 |
| Return on Equity (ROE) | 7.7700% | 3,441 |
| Retained earnings to average equity (ytd only) | 4.7842% | 3,144 |
| Net charge-offs to loans | 0.0117% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 112.4545% | 916 |
| Efficiency ratio | 75.2253% | 1,099 |
| Assets per employee ($millions) | 4.8776% | 3,764 |
| Cash dividends to net income (ytd only)* | 38.4018% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,257 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,487 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.3200% | 2,697 |
| Net loans and leases to deposits | 63.4594% | 3,085 |
| Net loans and leases to core deposits | 66.4885% | 3,097 |
| Total domestic deposits to total assets | 93.4700% | 312 |
| Equity capital to assets | 6.2572% | 3,996 |
| Core capital (leverage) ratio | 9.2193% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $162,525,800 | 3,328 |
| Average earning assets | $151,524,600 | 3,312 |
| Average equity | $11,600,600 | 3,704 |
| Average total loans | $94,036,800 | 3,232 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1543% | 3,549 |
| Cost of funding earning assets | 0.3268% | 1,891 |
| Net interest margin | 2.8274% | 3,670 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.3508% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5419% | 3,988 |
| Return on assets (ROA) | 0.5426% | 3,927 |
| Pretax return on assets | 0.7438% | 3,710 |
| Return on Equity (ROE) | 7.3700% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.4938% | 3,624 |
| Net charge-offs to loans | 0.0158% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 81.9091% | 1,033 |
| Efficiency ratio | 75.9861% | 1,081 |
| Assets per employee ($millions) | 4.7931% | 3,846 |
| Cash dividends to net income (ytd only)* | 52.5836% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,223 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 2,544 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.3900% | 2,654 |
| Net loans and leases to deposits | 62.1158% | 3,012 |
| Net loans and leases to core deposits | 65.4540% | 2,991 |
| Total domestic deposits to total assets | 94.0000% | 356 |
| Equity capital to assets | 5.7306% | 4,065 |
| Core capital (leverage) ratio | 9.2226% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $161,697,250 | 3,359 |
| Average earning assets | $150,945,000 | 3,341 |
| Average equity | $11,906,500 | 3,721 |
| Average total loans | $92,584,000 | 3,260 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0618% | 3,398 |
| Cost of funding earning assets | 0.2463% | 2,318 |
| Net interest margin | 2.8155% | 3,400 |
| Noninterest income to average assets | 0.4663% | 2,368 |
| Noninterest expense to average assets | 2.3810% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5295% | 3,822 |
| Return on assets (ROA) | 0.5246% | 3,783 |
| Pretax return on assets | 0.7156% | 3,538 |
| Return on Equity (ROE) | 6.6289% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.4006% | 3,311 |
| Net charge-offs to loans | -0.0811% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7386% | 1,201 |
| Assets per employee ($millions) | 4.5749% | 4,021 |
| Cash dividends to net income (ytd only)* | 48.6998% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 1,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 2,614 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.7893% | 2,457 |
| Net loans and leases to deposits | 63.7881% | 2,741 |
| Net loans and leases to core deposits | 67.5949% | 2,689 |
| Total domestic deposits to total assets | 92.1634% | 777 |
| Equity capital to assets | 6.8292% | 3,853 |
| Core capital (leverage) ratio | 9.2537% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,274,000 | 3,398 |
| Average earning assets | $151,023,667 | 3,388 |
| Average equity | $12,762,333 | 3,704 |
| Average total loans | $91,233,333 | 3,311 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9485% | 3,404 |
| Cost of funding earning assets | 0.2163% | 2,576 |
| Net interest margin | 2.7322% | 3,333 |
| Noninterest income to average assets | 0.5239% | 2,020 |
| Noninterest expense to average assets | 2.4047% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5090% | 3,688 |
| Return on assets (ROA) | 0.4992% | 3,685 |
| Pretax return on assets | 0.6673% | 3,482 |
| Return on Equity (ROE) | 5.9082% | 3,369 |
| Retained earnings to average equity (ytd only) | -0.1462% | 4,033 |
| Net charge-offs to loans | -0.0180% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9647% | 1,318 |
| Assets per employee ($millions) | 4.6191% | 4,063 |
| Cash dividends to net income (ytd only)* | 102.4752% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 2,714 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.8074% | 2,654 |
| Net loans and leases to deposits | 59.4105% | 2,959 |
| Net loans and leases to core deposits | 62.8002% | 2,912 |
| Total domestic deposits to total assets | 92.2520% | 489 |
| Equity capital to assets | 7.5921% | 3,861 |
| Core capital (leverage) ratio | 9.2709% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,850,500 | 3,407 |
| Average earning assets | $151,671,000 | 3,392 |
| Average equity | $13,676,000 | 3,688 |
| Average total loans | $89,019,500 | 3,344 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3641% | 3,019 |
| Cost of funding earning assets | 0.2881% | 2,523 |
| Net interest margin | 3.0759% | 2,980 |
| Noninterest income to average assets | 1.1230% | 832 |
| Noninterest expense to average assets | 2.4857% | 2,224 |
| Loan and lease loss provision to assets | 0.0127% | 2,830 |
| Net operating income to assets | 1.2240% | 1,842 |
| Return on assets (ROA) | 1.2533% | 1,787 |
| Pretax return on assets | 1.5444% | 1,589 |
| Return on Equity (ROE) | 13.5589% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.8713% | 410 |
| Net charge-offs to loans | 0.0125% | 2,094 |
| Credit loss provision to net charge-offs | 166.6667% | 1,424 |
| Earnings coverage of net charge-offs (x) | 199.4167% | 547 |
| Efficiency ratio | 62.0400% | 2,860 |
| Assets per employee ($millions) | 4.6295% | 4,013 |
| Cash dividends to net income (ytd only)* | 5.0710% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 1,060 |
| Loan loss allowance to noncurrent loans | 74,500.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,853 |
| Noncurrent loans to loans | 0.0023% | 4,111 |
| Net loans and leases to total assets | 53.3527% | 2,930 |
| Net loans and leases to deposits | 58.9271% | 3,178 |
| Net loans and leases to core deposits | 62.2311% | 3,140 |
| Total domestic deposits to total assets | 90.5402% | 695 |
| Equity capital to assets | 9.3055% | 3,318 |
| Core capital (leverage) ratio | 9.3204% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,339,800 | 3,419 |
| Average earning assets | $147,500,400 | 3,401 |
| Average equity | $14,544,000 | 3,686 |
| Average total loans | $96,119,200 | 3,248 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 2,946 |
| Cost of funding earning assets | 0.3023% | 2,571 |
| Net interest margin | 3.1539% | 2,884 |
| Noninterest income to average assets | 0.7940% | 1,543 |
| Noninterest expense to average assets | 2.5024% | 2,109 |
| Loan and lease loss provision to assets | 0.0173% | 2,662 |
| Net operating income to assets | 0.9060% | 3,223 |
| Return on assets (ROA) | 0.9417% | 3,196 |
| Pretax return on assets | 1.2772% | 2,682 |
| Return on Equity (ROE) | 10.2053% | 2,662 |
| Retained earnings to average equity (ytd only) | 9.2800% | 1,581 |
| Net charge-offs to loans | 0.0217% | 1,615 |
| Credit loss provision to net charge-offs | 125.0000% | 1,440 |
| Earnings coverage of net charge-offs (x) | 91.4375% | 915 |
| Efficiency ratio | 66.7046% | 2,005 |
| Assets per employee ($millions) | 4.6233% | 4,034 |
| Cash dividends to net income (ytd only)* | 9.0662% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 1,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 3,087 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.7862% | 2,639 |
| Net loans and leases to deposits | 62.6401% | 2,984 |
| Net loans and leases to core deposits | 65.5631% | 2,996 |
| Total domestic deposits to total assets | 90.6547% | 486 |
| Equity capital to assets | 9.1228% | 3,723 |
| Core capital (leverage) ratio | 8.9767% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,166,500 | 3,463 |
| Average earning assets | $146,440,000 | 3,443 |
| Average equity | $14,410,500 | 3,746 |
| Average total loans | $98,164,250 | 3,267 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4618% | 3,000 |
| Cost of funding earning assets | 0.3182% | 2,608 |
| Net interest margin | 3.1436% | 2,911 |
| Noninterest income to average assets | 0.8763% | 1,342 |
| Noninterest expense to average assets | 2.5084% | 2,116 |
| Loan and lease loss provision to assets | 0.0259% | 2,454 |
| Net operating income to assets | 0.9412% | 3,085 |
| Return on assets (ROA) | 0.9904% | 3,009 |
| Pretax return on assets | 1.3495% | 2,480 |
| Return on Equity (ROE) | 10.6903% | 2,531 |
| Retained earnings to average equity (ytd only) | 10.6903% | 1,197 |
| Net charge-offs to loans | 0.0441% | 1,193 |
| Credit loss provision to net charge-offs | 90.9091% | 1,428 |
| Earnings coverage of net charge-offs (x) | 46.0455% | 1,103 |
| Efficiency ratio | 65.6377% | 2,203 |
| Assets per employee ($millions) | 4.6366% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,602 |
| Loan loss allowance to noncurrent loans | 348.2353% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 1,947 |
| Noncurrent loans to loans | 0.4297% | 2,392 |
| Net loans and leases to total assets | 60.0376% | 2,425 |
| Net loans and leases to deposits | 66.0903% | 2,814 |
| Net loans and leases to core deposits | 68.4976% | 2,917 |
| Total domestic deposits to total assets | 90.8418% | 420 |
| Equity capital to assets | 8.9327% | 3,854 |
| Core capital (leverage) ratio | 8.6891% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,284,000 | 3,488 |
| Average earning assets | $144,549,000 | 3,471 |
| Average equity | $14,293,333 | 3,762 |
| Average total loans | $99,761,000 | 3,255 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 2,771 |
| Cost of funding earning assets | 0.3363% | 2,652 |
| Net interest margin | 3.2207% | 2,634 |
| Noninterest income to average assets | 0.9316% | 1,249 |
| Noninterest expense to average assets | 2.5844% | 1,919 |
| Loan and lease loss provision to assets | 0.0266% | 2,434 |
| Net operating income to assets | 0.9713% | 2,902 |
| Return on assets (ROA) | 1.0008% | 2,897 |
| Pretax return on assets | 1.3654% | 2,380 |
| Return on Equity (ROE) | 10.5975% | 2,497 |
| Retained earnings to average equity (ytd only) | 10.5975% | 1,491 |
| Net charge-offs to loans | -0.0240% | 4,079 |
| Credit loss provision to net charge-offs | -166.6667% | 2,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6081% | 2,286 |
| Assets per employee ($millions) | 4.5902% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,613 |
| Loan loss allowance to noncurrent loans | 289.1892% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 1,960 |
| Noncurrent loans to loans | 0.5182% | 2,299 |
| Net loans and leases to total assets | 61.2936% | 2,366 |
| Net loans and leases to deposits | 67.5333% | 2,748 |
| Net loans and leases to core deposits | 70.0168% | 2,863 |
| Total domestic deposits to total assets | 90.7605% | 489 |
| Equity capital to assets | 8.8486% | 3,833 |
| Core capital (leverage) ratio | 9.2763% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,286,000 | 3,524 |
| Average earning assets | $140,343,500 | 3,514 |
| Average equity | $14,192,000 | 3,779 |
| Average total loans | $100,187,000 | 3,259 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 2,801 |
| Cost of funding earning assets | 0.4769% | 3,103 |
| Net interest margin | 3.4993% | 2,482 |
| Noninterest income to average assets | 1.0428% | 967 |
| Noninterest expense to average assets | 2.6946% | 2,253 |
| Loan and lease loss provision to assets | 0.1097% | 2,971 |
| Net operating income to assets | 1.0939% | 1,949 |
| Return on assets (ROA) | 1.0939% | 2,068 |
| Pretax return on assets | 1.4793% | 1,410 |
| Return on Equity (ROE) | 10.9355% | 1,653 |
| Retained earnings to average equity (ytd only) | 8.3771% | 947 |
| Net charge-offs to loans | -0.0398% | 4,618 |
| Credit loss provision to net charge-offs | -365.8537% | 3,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9054% | 2,996 |
| Assets per employee ($millions) | 3.9975% | 4,379 |
| Cash dividends to net income (ytd only)* | 23.3957% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 1,667 |
| Loan loss allowance to noncurrent loans | 162.8571% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 1,201 |
| Noncurrent loans to loans | 0.9063% | 1,559 |
| Net loans and leases to total assets | 70.7013% | 1,468 |
| Net loans and leases to deposits | 79.2649% | 1,949 |
| Net loans and leases to core deposits | 82.6843% | 2,143 |
| Total domestic deposits to total assets | 89.1962% | 900 |
| Equity capital to assets | 10.1262% | 3,004 |
| Core capital (leverage) ratio | 9.3793% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,753,400 | 3,549 |
| Average earning assets | $126,654,000 | 3,546 |
| Average equity | $13,680,200 | 3,799 |
| Average total loans | $103,109,400 | 3,194 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 2,937 |
| Cost of funding earning assets | 0.5014% | 3,210 |
| Net interest margin | 3.5099% | 2,560 |
| Noninterest income to average assets | 0.9600% | 1,097 |
| Noninterest expense to average assets | 2.6928% | 2,284 |
| Loan and lease loss provision to assets | 0.0883% | 3,208 |
| Net operating income to assets | 1.0668% | 2,085 |
| Return on assets (ROA) | 1.0846% | 2,164 |
| Pretax return on assets | 1.4484% | 1,580 |
| Return on Equity (ROE) | 10.8763% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.8763% | 601 |
| Net charge-offs to loans | -0.0450% | 4,645 |
| Credit loss provision to net charge-offs | -257.1429% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0093% | 2,728 |
| Assets per employee ($millions) | 4.0827% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,963 |
| Loan loss allowance to noncurrent loans | 167.3759% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 1,382 |
| Noncurrent loans to loans | 0.8053% | 1,812 |
| Net loans and leases to total assets | 72.5227% | 1,585 |
| Net loans and leases to deposits | 81.0556% | 2,192 |
| Net loans and leases to core deposits | 84.2866% | 2,448 |
| Total domestic deposits to total assets | 89.4728% | 589 |
| Equity capital to assets | 9.8988% | 3,332 |
| Core capital (leverage) ratio | 9.5925% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,963,250 | 3,555 |
| Average earning assets | $125,774,750 | 3,541 |
| Average equity | $13,558,250 | 3,816 |
| Average total loans | $103,786,000 | 3,188 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 2,881 |
| Cost of funding earning assets | 0.5312% | 3,339 |
| Net interest margin | 3.6291% | 2,383 |
| Noninterest income to average assets | 0.8649% | 1,251 |
| Noninterest expense to average assets | 2.6936% | 2,403 |
| Loan and lease loss provision to assets | 0.0748% | 3,359 |
| Net operating income to assets | 1.0802% | 2,032 |
| Return on assets (ROA) | 1.1074% | 2,065 |
| Pretax return on assets | 1.4844% | 1,492 |
| Return on Equity (ROE) | 11.0756% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.0756% | 589 |
| Net charge-offs to loans | -0.0561% | 4,712 |
| Credit loss provision to net charge-offs | -172.4138% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8524% | 2,842 |
| Assets per employee ($millions) | 4.0562% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 1,916 |
| Loan loss allowance to noncurrent loans | 155.3288% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 1,374 |
| Noncurrent loans to loans | 0.8483% | 1,791 |
| Net loans and leases to total assets | 74.3996% | 1,360 |
| Net loans and leases to deposits | 83.1842% | 2,078 |
| Net loans and leases to core deposits | 86.0291% | 2,435 |
| Total domestic deposits to total assets | 89.4396% | 599 |
| Equity capital to assets | 10.0310% | 3,177 |
| Core capital (leverage) ratio | 9.5547% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,652,333 | 3,557 |
| Average earning assets | $123,503,333 | 3,558 |
| Average equity | $13,362,667 | 3,837 |
| Average total loans | $103,365,333 | 3,184 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 3,061 |
| Cost of funding earning assets | 0.6009% | 3,432 |
| Net interest margin | 3.6516% | 2,503 |
| Noninterest income to average assets | 0.6265% | 1,924 |
| Noninterest expense to average assets | 2.7737% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9094% | 2,489 |
| Return on assets (ROA) | 0.9094% | 2,597 |
| Pretax return on assets | 1.2165% | 2,133 |
| Return on Equity (ROE) | 9.1110% | 2,065 |
| Retained earnings to average equity (ytd only) | 9.1110% | 946 |
| Net charge-offs to loans | -0.0815% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5122% | 2,423 |
| Assets per employee ($millions) | 3.9216% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,290 |
| Loan loss allowance to noncurrent loans | 132.6593% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 1,391 |
| Noncurrent loans to loans | 0.9566% | 1,720 |
| Net loans and leases to total assets | 78.8746% | 846 |
| Net loans and leases to deposits | 88.4148% | 1,707 |
| Net loans and leases to core deposits | 91.2344% | 2,228 |
| Total domestic deposits to total assets | 89.2097% | 580 |
| Equity capital to assets | 10.3305% | 3,489 |
| Core capital (leverage) ratio | 9.5256% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,522,500 | 3,570 |
| Average earning assets | $121,153,500 | 3,566 |
| Average equity | $13,127,000 | 3,870 |
| Average total loans | $103,060,000 | 3,183 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 3,791 |
| Cost of funding earning assets | 0.5867% | 3,690 |
| Net interest margin | 3.6232% | 3,068 |
| Noninterest income to average assets | 0.6368% | 2,060 |
| Noninterest expense to average assets | 2.7912% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8641% | 3,344 |
| Return on assets (ROA) | 0.8641% | 3,434 |
| Pretax return on assets | 1.1778% | 2,920 |
| Return on Equity (ROE) | 8.5136% | 2,938 |
| Retained earnings to average equity (ytd only) | -3.7779% | 4,943 |
| Net charge-offs to loans | 0.0335% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 45.2647% | 1,207 |
| Efficiency ratio | 70.3239% | 2,125 |
| Assets per employee ($millions) | 3.9304% | 3,998 |
| Cash dividends to net income (ytd only)* | 144.3756% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,131 |
| Loan loss allowance to noncurrent loans | 164.2494% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 1,666 |
| Noncurrent loans to loans | 0.7651% | 1,983 |
| Net loans and leases to total assets | 75.9122% | 1,430 |
| Net loans and leases to deposits | 84.5443% | 2,275 |
| Net loans and leases to core deposits | 87.3154% | 2,672 |
| Total domestic deposits to total assets | 89.7899% | 399 |
| Equity capital to assets | 9.6422% | 4,227 |
| Core capital (leverage) ratio | 9.2400% | 4,330 |
| Tier 1 risk-based capital ratio | 12.9541% | 3,811 |
| Total risk-based capital ratio | 14.2054% | 3,692 |
| Memoranda: | ||
| Average total assets | $130,662,800 | 3,560 |
| Average earning assets | $120,169,200 | 3,558 |
| Average equity | $13,261,200 | 3,862 |
| Average total loans | $101,601,600 | 3,205 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 3,934 |
| Cost of funding earning assets | 0.5839% | 3,765 |
| Net interest margin | 3.6084% | 3,226 |
| Noninterest income to average assets | 0.5932% | 2,240 |
| Noninterest expense to average assets | 2.7791% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8292% | 3,580 |
| Return on assets (ROA) | 0.8292% | 3,661 |
| Pretax return on assets | 1.1371% | 3,179 |
| Return on Equity (ROE) | 8.0666% | 3,274 |
| Retained earnings to average equity (ytd only) | 1.6772% | 4,370 |
| Net charge-offs to loans | 0.0671% | 1,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 21.7250% | 1,900 |
| Efficiency ratio | 70.9644% | 1,973 |
| Assets per employee ($millions) | 3.7743% | 4,189 |
| Cash dividends to net income (ytd only)* | 79.2075% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,308 |
| Loan loss allowance to noncurrent loans | 903.5461% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,185 |
| Noncurrent loans to loans | 0.1368% | 4,045 |
| Net loans and leases to total assets | 77.0528% | 1,304 |
| Net loans and leases to deposits | 86.3501% | 2,155 |
| Net loans and leases to core deposits | 89.4272% | 2,593 |
| Total domestic deposits to total assets | 89.2331% | 543 |
| Equity capital to assets | 10.2605% | 3,763 |
| Core capital (leverage) ratio | 9.9186% | 3,718 |
| Tier 1 risk-based capital ratio | 13.7379% | 3,458 |
| Total risk-based capital ratio | 14.9898% | 3,364 |
| Memoranda: | ||
| Average total assets | $129,920,500 | 3,602 |
| Average earning assets | $119,642,250 | 3,604 |
| Average equity | $13,355,250 | 3,877 |
| Average total loans | $101,318,500 | 3,249 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 3,951 |
| Cost of funding earning assets | 0.5923% | 3,687 |
| Net interest margin | 3.5975% | 3,263 |
| Noninterest income to average assets | 0.5511% | 2,380 |
| Noninterest expense to average assets | 2.7509% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8050% | 3,633 |
| Return on assets (ROA) | 0.8050% | 3,694 |
| Pretax return on assets | 1.1100% | 3,206 |
| Return on Equity (ROE) | 7.8260% | 3,364 |
| Retained earnings to average equity (ytd only) | -1.8060% | 4,896 |
| Net charge-offs to loans | -0.0020% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2510% | 2,024 |
| Assets per employee ($millions) | 3.6375% | 4,330 |
| Cash dividends to net income (ytd only)* | 123.0769% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 1,924 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,574 |
| Noncurrent loans to loans | 0.0677% | 4,378 |
| Net loans and leases to total assets | 77.8249% | 1,254 |
| Net loans and leases to deposits | 87.2124% | 2,101 |
| Net loans and leases to core deposits | 90.7436% | 2,535 |
| Total domestic deposits to total assets | 89.2361% | 577 |
| Equity capital to assets | 10.4050% | 3,600 |
| Core capital (leverage) ratio | 9.5000% | 4,144 |
| Tier 1 risk-based capital ratio | 14.0241% | 3,306 |
| Total risk-based capital ratio | 15.2774% | 3,219 |
| Memoranda: | ||
| Average total assets | $129,194,330 | 3,631 |
| Average earning assets | $118,858,670 | 3,636 |
| Average equity | $13,289,000 | 3,888 |
| Average total loans | $100,738,000 | 3,277 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 4,070 |
| Cost of funding earning assets | 0.5750% | 3,703 |
| Net interest margin | 3.5467% | 3,441 |
| Noninterest income to average assets | 0.4857% | 2,638 |
| Noninterest expense to average assets | 2.7141% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7469% | 3,781 |
| Return on assets (ROA) | 0.7469% | 3,828 |
| Pretax return on assets | 1.0328% | 3,336 |
| Return on Equity (ROE) | 7.3028% | 3,549 |
| Retained earnings to average equity (ytd only) | 4.2975% | 3,204 |
| Net charge-offs to loans | -0.0040% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4364% | 1,969 |
| Assets per employee ($millions) | 3.9041% | 4,060 |
| Cash dividends to net income (ytd only)* | 41.1523% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,010 |
| Loan loss allowance to noncurrent loans | 1,841.6667% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 3,650 |
| Noncurrent loans to loans | 0.0715% | 4,439 |
| Net loans and leases to total assets | 74.8845% | 1,666 |
| Net loans and leases to deposits | 83.6174% | 2,427 |
| Net loans and leases to core deposits | 92.7534% | 2,235 |
| Total domestic deposits to total assets | 89.5562% | 619 |
| Equity capital to assets | 10.1266% | 3,696 |
| Core capital (leverage) ratio | 9.6402% | 3,978 |
| Tier 1 risk-based capital ratio | 14.0486% | 3,319 |
| Total risk-based capital ratio | 15.3017% | 3,231 |
| Memoranda: | ||
| Average total assets | $130,134,500 | 3,655 |
| Average earning assets | $119,660,500 | 3,661 |
| Average equity | $13,310,000 | 3,900 |
| Average total loans | $100,903,000 | 3,309 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,846 |
| Cost of funding earning assets | 0.5058% | 3,312 |
| Net interest margin | 3.5621% | 3,505 |
| Noninterest income to average assets | 0.5869% | 2,366 |
| Noninterest expense to average assets | 2.7387% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7841% | 3,862 |
| Return on assets (ROA) | 0.7841% | 3,864 |
| Pretax return on assets | 1.1043% | 3,249 |
| Return on Equity (ROE) | 7.7318% | 3,558 |
| Retained earnings to average equity (ytd only) | 7.5743% | 1,426 |
| Net charge-offs to loans | -0.0030% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2653% | 2,008 |
| Assets per employee ($millions) | 3.7509% | 4,249 |
| Cash dividends to net income (ytd only)* | 2.0367% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 1,987 |
| Loan loss allowance to noncurrent loans | 803.0303% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,251 |
| Noncurrent loans to loans | 0.1632% | 4,011 |
| Net loans and leases to total assets | 78.2200% | 1,239 |
| Net loans and leases to deposits | 87.8944% | 2,055 |
| Net loans and leases to core deposits | 96.4282% | 2,019 |
| Total domestic deposits to total assets | 88.9932% | 857 |
| Equity capital to assets | 10.3333% | 3,345 |
| Core capital (leverage) ratio | 9.8554% | 3,739 |
| Tier 1 risk-based capital ratio | 14.1900% | 3,207 |
| Total risk-based capital ratio | 15.4424% | 3,135 |
| Memoranda: | ||
| Average total assets | $125,242,800 | 3,710 |
| Average earning assets | $114,481,600 | 3,737 |
| Average equity | $12,700,800 | 3,929 |
| Average total loans | $100,293,800 | 3,287 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,914 |
| Cost of funding earning assets | 0.5074% | 3,150 |
| Net interest margin | 3.4980% | 3,704 |
| Noninterest income to average assets | 0.5968% | 2,326 |
| Noninterest expense to average assets | 2.7292% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7839% | 3,961 |
| Return on assets (ROA) | 0.7839% | 3,972 |
| Pretax return on assets | 1.0673% | 3,513 |
| Return on Equity (ROE) | 7.7678% | 3,640 |
| Retained earnings to average equity (ytd only) | 7.7678% | 1,760 |
| Net charge-offs to loans | -0.0040% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8873% | 1,898 |
| Assets per employee ($millions) | 3.6695% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,930 |
| Loan loss allowance to noncurrent loans | 854.8387% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 3,388 |
| Noncurrent loans to loans | 0.1564% | 4,173 |
| Net loans and leases to total assets | 78.3772% | 1,281 |
| Net loans and leases to deposits | 88.0478% | 2,149 |
| Net loans and leases to core deposits | 95.2179% | 2,192 |
| Total domestic deposits to total assets | 89.0167% | 839 |
| Equity capital to assets | 10.3293% | 3,303 |
| Core capital (leverage) ratio | 9.6458% | 3,993 |
| Tier 1 risk-based capital ratio | 14.0268% | 3,360 |
| Total risk-based capital ratio | 15.2799% | 3,266 |
| Memoranda: | ||
| Average total assets | $124,671,000 | 3,755 |
| Average earning assets | $114,043,500 | 3,783 |
| Average equity | $12,581,500 | 3,974 |
| Average total loans | $100,097,500 | 3,325 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,918 |
| Cost of funding earning assets | 0.5097% | 2,936 |
| Net interest margin | 3.4433% | 3,824 |
| Noninterest income to average assets | 0.6162% | 2,241 |
| Noninterest expense to average assets | 2.7166% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7895% | 3,888 |
| Return on assets (ROA) | 0.7895% | 3,889 |
| Pretax return on assets | 1.0430% | 3,536 |
| Return on Equity (ROE) | 7.8848% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.8848% | 1,675 |
| Net charge-offs to loans | 0.0259% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,126 |
| Efficiency ratio | 72.2578% | 1,959 |
| Assets per employee ($millions) | 3.7363% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,142 |
| Loan loss allowance to noncurrent loans | 467.5000% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 3,053 |
| Noncurrent loans to loans | 0.2791% | 3,702 |
| Net loans and leases to total assets | 77.9352% | 1,326 |
| Net loans and leases to deposits | 88.9557% | 1,987 |
| Net loans and leases to core deposits | 93.7192% | 2,246 |
| Total domestic deposits to total assets | 87.6113% | 1,586 |
| Equity capital to assets | 9.9752% | 3,650 |
| Core capital (leverage) ratio | 9.5246% | 4,091 |
| Tier 1 risk-based capital ratio | 13.5686% | 3,582 |
| Total risk-based capital ratio | 14.8215% | 3,490 |
| Memoranda: | ||
| Average total assets | $124,640,670 | 3,782 |
| Average earning assets | $113,785,670 | 3,814 |
| Average equity | $12,479,670 | 4,013 |
| Average total loans | $100,426,670 | 3,333 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 3,616 |
| Cost of funding earning assets | 0.5615% | 2,309 |
| Net interest margin | 3.4362% | 3,751 |
| Noninterest income to average assets | 0.6388% | 2,083 |
| Noninterest expense to average assets | 2.7982% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7620% | 3,867 |
| Return on assets (ROA) | 0.7620% | 3,866 |
| Pretax return on assets | 0.9760% | 3,618 |
| Return on Equity (ROE) | 7.7795% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.7795% | 1,928 |
| Net charge-offs to loans | 0.0279% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,028 |
| Efficiency ratio | 74.1409% | 1,881 |
| Assets per employee ($millions) | 3.5760% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,154 |
| Loan loss allowance to noncurrent loans | 458.1882% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 3,078 |
| Noncurrent loans to loans | 0.2879% | 3,743 |
| Net loans and leases to total assets | 80.9138% | 807 |
| Net loans and leases to deposits | 92.4363% | 1,401 |
| Net loans and leases to core deposits | 100.2691% | 1,669 |
| Total domestic deposits to total assets | 87.5346% | 1,881 |
| Equity capital to assets | 9.9971% | 3,595 |
| Core capital (leverage) ratio | 8.6675% | 5,007 |
| Tier 1 risk-based capital ratio | 13.0177% | 3,934 |
| Total risk-based capital ratio | 14.2717% | 3,850 |
| Memoranda: | ||
| Average total assets | $123,364,000 | 3,841 |
| Average earning assets | $112,565,000 | 3,876 |
| Average equity | $12,083,000 | 4,110 |
| Average total loans | $100,483,000 | 3,350 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,471 |
| Cost of funding earning assets | 0.5722% | 1,810 |
| Net interest margin | 3.4079% | 3,826 |
| Noninterest income to average assets | 0.6720% | 2,083 |
| Noninterest expense to average assets | 2.6825% | 3,188 |
| Loan and lease loss provision to assets | 0.0706% | 2,791 |
| Net operating income to assets | -0.3505% | 5,488 |
| Return on assets (ROA) | -0.3505% | 5,486 |
| Pretax return on assets | 1.0013% | 3,561 |
| Return on Equity (ROE) | -3.5472% | 5,503 |
| Retained earnings to average equity (ytd only) | -3.5472% | 5,374 |
| Net charge-offs to loans | -0.0356% | 5,099 |
| Credit loss provision to net charge-offs | -243.2432% | 4,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4495% | 2,308 |
| Assets per employee ($millions) | 3.6807% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 2,188 |
| Loan loss allowance to noncurrent loans | 495.1311% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 3,176 |
| Noncurrent loans to loans | 0.2636% | 3,839 |
| Net loans and leases to total assets | 79.8686% | 980 |
| Net loans and leases to deposits | 97.2721% | 967 |
| Net loans and leases to core deposits | 101.7603% | 1,568 |
| Total domestic deposits to total assets | 82.1085% | 3,842 |
| Equity capital to assets | 9.5978% | 4,144 |
| Core capital (leverage) ratio | 8.4277% | 5,201 |
| Tier 1 risk-based capital ratio | 12.2287% | 4,378 |
| Total risk-based capital ratio | 13.4849% | 4,276 |
| Memoranda: | ||
| Average total assets | $127,531,000 | 3,788 |
| Average earning assets | $115,350,600 | 3,828 |
| Average equity | $12,601,400 | 4,041 |
| Average total loans | $104,031,800 | 3,282 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 3,638 |
| Cost of funding earning assets | 0.5838% | 1,653 |
| Net interest margin | 3.3310% | 4,075 |
| Noninterest income to average assets | 0.6785% | 2,092 |
| Noninterest expense to average assets | 2.7285% | 2,963 |
| Loan and lease loss provision to assets | 0.0937% | 2,209 |
| Net operating income to assets | 0.5661% | 4,525 |
| Return on assets (ROA) | 0.5661% | 4,563 |
| Pretax return on assets | 0.8668% | 4,150 |
| Return on Equity (ROE) | 5.6892% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.6892% | 2,438 |
| Net charge-offs to loans | -0.0471% | 5,151 |
| Credit loss provision to net charge-offs | -243.2432% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9633% | 1,896 |
| Assets per employee ($millions) | 3.6781% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,290 |
| Loan loss allowance to noncurrent loans | 269.7959% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 1,934 |
| Noncurrent loans to loans | 0.4874% | 3,229 |
| Net loans and leases to total assets | 79.3349% | 1,077 |
| Net loans and leases to deposits | 98.5958% | 858 |
| Net loans and leases to core deposits | 105.3149% | 1,316 |
| Total domestic deposits to total assets | 80.4648% | 4,216 |
| Equity capital to assets | 10.4401% | 3,431 |
| Core capital (leverage) ratio | 8.6550% | 5,107 |
| Tier 1 risk-based capital ratio | 12.4041% | 4,374 |
| Total risk-based capital ratio | 13.6634% | 4,279 |
| Memoranda: | ||
| Average total assets | $128,128,000 | 3,816 |
| Average earning assets | $115,798,750 | 3,858 |
| Average equity | $12,749,000 | 4,058 |
| Average total loans | $104,721,750 | 3,296 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,609 |
| Cost of funding earning assets | 0.6003% | 1,446 |
| Net interest margin | 3.2837% | 4,155 |
| Noninterest income to average assets | 0.7061% | 1,957 |
| Noninterest expense to average assets | 2.7115% | 3,054 |
| Loan and lease loss provision to assets | 0.1394% | 1,477 |
| Net operating income to assets | 0.5420% | 4,563 |
| Return on assets (ROA) | 0.5420% | 4,598 |
| Pretax return on assets | 0.8285% | 4,169 |
| Return on Equity (ROE) | 5.5351% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.5351% | 2,386 |
| Net charge-offs to loans | 0.0188% | 2,870 |
| Credit loss provision to net charge-offs | 900.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 926 |
| Efficiency ratio | 73.6953% | 2,069 |
| Assets per employee ($millions) | 3.7167% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,814 |
| Loan loss allowance to noncurrent loans | 194.3598% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 1,608 |
| Noncurrent loans to loans | 0.6341% | 2,829 |
| Net loans and leases to total assets | 80.8645% | 826 |
| Net loans and leases to deposits | 99.8642% | 752 |
| Net loans and leases to core deposits | 104.6280% | 1,316 |
| Total domestic deposits to total assets | 80.9745% | 4,190 |
| Equity capital to assets | 10.1743% | 3,703 |
| Core capital (leverage) ratio | 8.1439% | 5,463 |
| Tier 1 risk-based capital ratio | 11.3896% | 5,026 |
| Total risk-based capital ratio | 12.6468% | 4,915 |
| Memoranda: | ||
| Average total assets | $129,152,000 | 3,820 |
| Average earning assets | $116,941,670 | 3,857 |
| Average equity | $12,646,670 | 4,090 |
| Average total loans | $106,117,330 | 3,278 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,635 |
| Cost of funding earning assets | 0.6147% | 1,270 |
| Net interest margin | 3.2221% | 4,276 |
| Noninterest income to average assets | 0.6864% | 2,019 |
| Noninterest expense to average assets | 2.7393% | 2,993 |
| Loan and lease loss provision to assets | 0.1685% | 1,058 |
| Net operating income to assets | 0.4596% | 4,741 |
| Return on assets (ROA) | 0.4596% | 4,764 |
| Pretax return on assets | 0.7017% | 4,444 |
| Return on Equity (ROE) | 4.7841% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.7841% | 3,022 |
| Net charge-offs to loans | 0.0261% | 2,235 |
| Credit loss provision to net charge-offs | 785.7143% | 402 |
| Earnings coverage of net charge-offs (x) | 40.5714% | 1,033 |
| Efficiency ratio | 75.8913% | 1,924 |
| Assets per employee ($millions) | 3.9433% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,446 |
| Loan loss allowance to noncurrent loans | 188.3333% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 1,736 |
| Noncurrent loans to loans | 0.6080% | 3,002 |
| Net loans and leases to total assets | 80.0422% | 823 |
| Net loans and leases to deposits | 100.1241% | 607 |
| Net loans and leases to core deposits | 104.6659% | 1,181 |
| Total domestic deposits to total assets | 79.9430% | 4,628 |
| Equity capital to assets | 9.4270% | 4,367 |
| Core capital (leverage) ratio | 7.7271% | 5,653 |
| Tier 1 risk-based capital ratio | 10.6130% | 5,497 |
| Total risk-based capital ratio | 11.8698% | 5,409 |
| Memoranda: | ||
| Average total assets | $130,544,500 | 3,831 |
| Average earning assets | $118,433,000 | 3,860 |
| Average equity | $12,541,500 | 4,130 |
| Average total loans | $107,445,500 | 3,285 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,185 |
| Cost of funding earning assets | 0.7337% | 685 |
| Net interest margin | 2.9743% | 5,010 |
| Noninterest income to average assets | 0.7173% | 2,091 |
| Noninterest expense to average assets | 3.0476% | 2,189 |
| Loan and lease loss provision to assets | 1.2866% | 76 |
| Net operating income to assets | -0.6376% | 5,806 |
| Return on assets (ROA) | -0.6280% | 5,809 |
| Pretax return on assets | -0.9230% | 5,827 |
| Return on Equity (ROE) | -5.8579% | 5,802 |
| Retained earnings to average equity (ytd only) | -5.8579% | 5,703 |
| Net charge-offs to loans | 1.4010% | 110 |
| Credit loss provision to net charge-offs | 119.1278% | 2,230 |
| Earnings coverage of net charge-offs (x) | 0.3236% | 4,113 |
| Efficiency ratio | 87.4726% | 717 |
| Assets per employee ($millions) | 3.5282% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,585 |
| Loan loss allowance to noncurrent loans | 136.7277% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 2,289 |
| Noncurrent loans to loans | 0.8219% | 2,465 |
| Net loans and leases to total assets | 82.7754% | 509 |
| Net loans and leases to deposits | 104.6566% | 405 |
| Net loans and leases to core deposits | 109.9046% | 904 |
| Total domestic deposits to total assets | 79.0924% | 4,772 |
| Equity capital to assets | 9.7972% | 3,944 |
| Core capital (leverage) ratio | 8.0556% | 5,591 |
| Tier 1 risk-based capital ratio | 10.5786% | 5,537 |
| Total risk-based capital ratio | 11.8410% | 5,457 |
| Memoranda: | ||
| Average total assets | $121,013,000 | 3,975 |
| Average earning assets | $109,033,200 | 4,021 |
| Average equity | $12,974,000 | 4,088 |
| Average total loans | $93,293,400 | 3,514 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 4,329 |
| Cost of funding earning assets | 0.7679% | 583 |
| Net interest margin | 2.9081% | 5,177 |
| Noninterest income to average assets | 0.6906% | 2,213 |
| Noninterest expense to average assets | 3.0345% | 2,216 |
| Loan and lease loss provision to assets | 1.7147% | 53 |
| Net operating income to assets | -0.9721% | 5,902 |
| Return on assets (ROA) | -0.9594% | 5,906 |
| Pretax return on assets | -1.4246% | 5,921 |
| Return on Equity (ROE) | -8.7486% | 5,901 |
| Retained earnings to average equity (ytd only) | -8.7486% | 5,833 |
| Net charge-offs to loans | 1.9222% | 62 |
| Credit loss provision to net charge-offs | 118.4129% | 2,112 |
| Earnings coverage of net charge-offs (x) | 0.1872% | 3,816 |
| Efficiency ratio | 88.6939% | 633 |
| Assets per employee ($millions) | 3.6341% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 3,056 |
| Loan loss allowance to noncurrent loans | 100.5111% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 1,805 |
| Noncurrent loans to loans | 1.2256% | 1,831 |
| Net loans and leases to total assets | 78.8901% | 1,054 |
| Net loans and leases to deposits | 106.7653% | 350 |
| Net loans and leases to core deposits | 113.0699% | 763 |
| Total domestic deposits to total assets | 73.8912% | 5,446 |
| Equity capital to assets | 10.3773% | 3,710 |
| Core capital (leverage) ratio | 8.3721% | 5,448 |
| Tier 1 risk-based capital ratio | 11.5445% | 5,059 |
| Total risk-based capital ratio | 12.8097% | 4,964 |
| Memoranda: | ||
| Average total assets | $119,512,250 | 4,029 |
| Average earning assets | $107,469,250 | 4,076 |
| Average equity | $13,106,500 | 4,106 |
| Average total loans | $90,033,500 | 3,591 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 4,260 |
| Cost of funding earning assets | 0.7665% | 579 |
| Net interest margin | 2.9451% | 5,179 |
| Noninterest income to average assets | 0.6501% | 2,370 |
| Noninterest expense to average assets | 3.0626% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1458% | 5,617 |
| Return on assets (ROA) | 0.1458% | 5,665 |
| Pretax return on assets | 0.2396% | 5,571 |
| Return on Equity (ROE) | 1.3056% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.3056% | 4,865 |
| Net charge-offs to loans | -0.0386% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2440% | 639 |
| Assets per employee ($millions) | 3.5303% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 4,125 |
| Loan loss allowance to noncurrent loans | 78.4603% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 1,743 |
| Noncurrent loans to loans | 1.3599% | 1,648 |
| Net loans and leases to total assets | 76.2457% | 1,456 |
| Net loans and leases to deposits | 105.4740% | 386 |
| Net loans and leases to core deposits | 110.6410% | 897 |
| Total domestic deposits to total assets | 72.2886% | 5,654 |
| Equity capital to assets | 11.5115% | 2,539 |
| Core capital (leverage) ratio | 9.4624% | 4,249 |
| Tier 1 risk-based capital ratio | 13.9497% | 3,631 |
| Total risk-based capital ratio | 15.1643% | 3,571 |
| Memoranda: | ||
| Average total assets | $119,374,670 | 4,055 |
| Average earning assets | $107,501,670 | 4,106 |
| Average equity | $13,327,000 | 4,103 |
| Average total loans | $88,115,000 | 3,648 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,399 |
| Cost of funding earning assets | 0.7539% | 620 |
| Net interest margin | 2.9237% | 5,277 |
| Noninterest income to average assets | 0.6589% | 2,223 |
| Noninterest expense to average assets | 3.1123% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1126% | 5,661 |
| Return on assets (ROA) | 0.1126% | 5,710 |
| Pretax return on assets | 0.1788% | 5,662 |
| Return on Equity (ROE) | 1.0237% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.0237% | 4,828 |
| Net charge-offs to loans | -0.0642% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0463% | 609 |
| Assets per employee ($millions) | 3.8229% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 4,114 |
| Loan loss allowance to noncurrent loans | 79.6512% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 1,675 |
| Noncurrent loans to loans | 1.3671% | 1,739 |
| Net loans and leases to total assets | 71.2083% | 2,151 |
| Net loans and leases to deposits | 96.6258% | 881 |
| Net loans and leases to core deposits | 105.5545% | 1,103 |
| Total domestic deposits to total assets | 73.6950% | 5,640 |
| Equity capital to assets | 10.8858% | 3,061 |
| Core capital (leverage) ratio | 9.4145% | 4,332 |
| Tier 1 risk-based capital ratio | 13.5093% | 3,974 |
| Total risk-based capital ratio | 14.6928% | 3,938 |
| Memoranda: | ||
| Average total assets | $120,811,500 | 4,054 |
| Average earning assets | $108,768,000 | 4,110 |
| Average equity | $13,285,000 | 4,118 |
| Average total loans | $87,280,000 | 3,670 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,529 |
| Cost of funding earning assets | 0.7633% | 601 |
| Net interest margin | 3.1866% | 4,671 |
| Noninterest income to average assets | 1.2147% | 810 |
| Noninterest expense to average assets | 3.4384% | 1,413 |
| Loan and lease loss provision to assets | 0.0963% | 2,383 |
| Net operating income to assets | 0.3842% | 5,097 |
| Return on assets (ROA) | 0.4390% | 5,004 |
| Pretax return on assets | 0.5726% | 4,929 |
| Return on Equity (ROE) | 3.8613% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.8613% | 3,289 |
| Net charge-offs to loans | 0.2289% | 1,300 |
| Credit loss provision to net charge-offs | 58.4211% | 3,284 |
| Earnings coverage of net charge-offs (x) | 3.6263% | 3,692 |
| Efficiency ratio | 82.2227% | 1,378 |
| Assets per employee ($millions) | 3.3136% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,185 |
| Loan loss allowance to noncurrent loans | 64.3352% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 1,452 |
| Noncurrent loans to loans | 1.6696% | 1,360 |
| Net loans and leases to total assets | 71.7250% | 2,100 |
| Net loans and leases to deposits | 98.5011% | 782 |
| Net loans and leases to core deposits | 102.9083% | 1,301 |
| Total domestic deposits to total assets | 72.8164% | 5,746 |
| Equity capital to assets | 11.1100% | 2,720 |
| Core capital (leverage) ratio | 9.7015% | 3,908 |
| Tier 1 risk-based capital ratio | 14.0390% | 3,696 |
| Total risk-based capital ratio | 15.2373% | 3,648 |
| Memoranda: | ||
| Average total assets | $115,258,400 | 4,153 |
| Average earning assets | $102,052,600 | 4,242 |
| Average equity | $13,104,400 | 4,122 |
| Average total loans | $83,008,200 | 3,743 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 3,396 |
| Cost of funding earning assets | 0.7644% | 607 |
| Net interest margin | 3.2201% | 4,610 |
| Noninterest income to average assets | 1.4867% | 559 |
| Noninterest expense to average assets | 3.6037% | 1,115 |
| Loan and lease loss provision to assets | 0.1295% | 1,743 |
| Net operating income to assets | 0.4427% | 4,997 |
| Return on assets (ROA) | 0.5135% | 4,827 |
| Pretax return on assets | 0.6909% | 4,708 |
| Return on Equity (ROE) | 4.4895% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.4895% | 3,274 |
| Net charge-offs to loans | 0.2824% | 943 |
| Credit loss provision to net charge-offs | 63.7931% | 2,864 |
| Earnings coverage of net charge-offs (x) | 3.5690% | 3,484 |
| Efficiency ratio | 80.4799% | 1,587 |
| Assets per employee ($millions) | 3.2651% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 4,161 |
| Loan loss allowance to noncurrent loans | 60.1528% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.6119% | 1,378 |
| Noncurrent loans to loans | 1.8472% | 1,267 |
| Net loans and leases to total assets | 73.5949% | 1,804 |
| Net loans and leases to deposits | 102.8758% | 503 |
| Net loans and leases to core deposits | 107.0845% | 1,033 |
| Total domestic deposits to total assets | 71.5376% | 5,894 |
| Equity capital to assets | 11.5806% | 2,431 |
| Core capital (leverage) ratio | 9.7866% | 3,917 |
| Tier 1 risk-based capital ratio | 14.2520% | 3,700 |
| Total risk-based capital ratio | 15.4999% | 3,635 |
| Memoranda: | ||
| Average total assets | $114,250,750 | 4,209 |
| Average earning assets | $100,822,500 | 4,312 |
| Average equity | $13,067,250 | 4,169 |
| Average total loans | $82,138,000 | 3,801 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 3,355 |
| Cost of funding earning assets | 0.7617% | 607 |
| Net interest margin | 3.2243% | 4,586 |
| Noninterest income to average assets | 1.7612% | 442 |
| Noninterest expense to average assets | 3.6431% | 1,057 |
| Loan and lease loss provision to assets | 0.0893% | 2,325 |
| Net operating income to assets | 0.6063% | 4,314 |
| Return on assets (ROA) | 0.7020% | 3,998 |
| Pretax return on assets | 0.9944% | 3,607 |
| Return on Equity (ROE) | 6.1637% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.1637% | 2,138 |
| Net charge-offs to loans | 0.5495% | 447 |
| Credit loss provision to net charge-offs | 22.8700% | 2,986 |
| Earnings coverage of net charge-offs (x) | 2.4305% | 3,343 |
| Efficiency ratio | 76.7061% | 2,249 |
| Assets per employee ($millions) | 3.3100% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,841 |
| Loan loss allowance to noncurrent loans | 53.6585% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 2.3823% | 827 |
| Noncurrent loans to loans | 1.8750% | 1,344 |
| Net loans and leases to total assets | 73.0922% | 1,805 |
| Net loans and leases to deposits | 103.7354% | 466 |
| Net loans and leases to core deposits | 108.5527% | 920 |
| Total domestic deposits to total assets | 70.4603% | 6,015 |
| Equity capital to assets | 11.6785% | 2,266 |
| Core capital (leverage) ratio | 9.8884% | 3,756 |
| Tier 1 risk-based capital ratio | 14.1409% | 3,846 |
| Total risk-based capital ratio | 15.2442% | 3,863 |
| Memoranda: | ||
| Average total assets | $114,242,000 | 4,249 |
| Average earning assets | $100,299,670 | 4,361 |
| Average equity | $13,011,670 | 4,209 |
| Average total loans | $81,168,330 | 3,843 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 3,676 |
| Cost of funding earning assets | 0.7662% | 602 |
| Net interest margin | 3.1203% | 4,883 |
| Noninterest income to average assets | 2.7908% | 236 |
| Noninterest expense to average assets | 3.8717% | 804 |
| Loan and lease loss provision to assets | 0.0904% | 2,184 |
| Net operating income to assets | 1.0545% | 2,015 |
| Return on assets (ROA) | 1.2338% | 1,540 |
| Pretax return on assets | 1.8281% | 828 |
| Return on Equity (ROE) | 10.9686% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.9686% | 727 |
| Net charge-offs to loans | 0.4139% | 590 |
| Credit loss provision to net charge-offs | 31.3253% | 2,260 |
| Earnings coverage of net charge-offs (x) | 5.7229% | 2,362 |
| Efficiency ratio | 67.9673% | 3,831 |
| Assets per employee ($millions) | 3.1380% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 4,122 |
| Loan loss allowance to noncurrent loans | 34.1840% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 3.8090% | 406 |
| Noncurrent loans to loans | 3.4366% | 564 |
| Net loans and leases to total assets | 70.8183% | 2,015 |
| Net loans and leases to deposits | 99.0455% | 620 |
| Net loans and leases to core deposits | 102.5588% | 1,140 |
| Total domestic deposits to total assets | 71.5008% | 6,060 |
| Equity capital to assets | 11.6316% | 2,352 |
| Core capital (leverage) ratio | 9.1769% | 4,749 |
| Tier 1 risk-based capital ratio | 14.1465% | 3,919 |
| Total risk-based capital ratio | 15.4097% | 3,835 |
| Memoranda: | ||
| Average total assets | $115,093,000 | 4,268 |
| Average earning assets | $100,758,500 | 4,381 |
| Average equity | $12,946,000 | 4,245 |
| Average total loans | $80,205,500 | 3,882 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 3,769 |
| Cost of funding earning assets | 0.7904% | 680 |
| Net interest margin | 3.1978% | 4,926 |
| Noninterest income to average assets | 0.5102% | 3,432 |
| Noninterest expense to average assets | 4.4163% | 498 |
| Loan and lease loss provision to assets | 0.1937% | 1,318 |
| Net operating income to assets | -0.8221% | 6,347 |
| Return on assets (ROA) | -0.7798% | 6,342 |
| Pretax return on assets | -1.2415% | 6,399 |
| Return on Equity (ROE) | -7.4128% | 6,330 |
| Retained earnings to average equity (ytd only) | -7.4128% | 6,254 |
| Net charge-offs to loans | 0.7749% | 460 |
| Credit loss provision to net charge-offs | 37.9747% | 3,713 |
| Earnings coverage of net charge-offs (x) | -2.1835% | 4,842 |
| Efficiency ratio | 130.3593% | 92 |
| Assets per employee ($millions) | 2.7260% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 3,605 |
| Loan loss allowance to noncurrent loans | 37.6963% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.7793% | 467 |
| Noncurrent loans to loans | 3.3653% | 630 |
| Net loans and leases to total assets | 66.9266% | 2,740 |
| Net loans and leases to deposits | 91.6547% | 1,325 |
| Net loans and leases to core deposits | 91.6547% | 2,128 |
| Total domestic deposits to total assets | 73.0204% | 6,014 |
| Equity capital to assets | 10.8789% | 3,035 |
| Core capital (leverage) ratio | 8.8803% | 5,148 |
| Tier 1 risk-based capital ratio | 14.3903% | 3,840 |
| Total risk-based capital ratio | 15.6440% | 3,774 |
| Memoranda: | ||
| Average total assets | $123,883,200 | 4,102 |
| Average earning assets | $108,167,200 | 4,225 |
| Average equity | $13,031,600 | 4,187 |
| Average total loans | $81,553,800 | 3,836 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 4,015 |
| Cost of funding earning assets | 0.7928% | 710 |
| Net interest margin | 3.1457% | 5,128 |
| Noninterest income to average assets | 0.4386% | 3,961 |
| Noninterest expense to average assets | 4.4635% | 479 |
| Loan and lease loss provision to assets | 0.2443% | 892 |
| Net operating income to assets | -0.9561% | 6,458 |
| Return on assets (ROA) | -0.9473% | 6,454 |
| Pretax return on assets | -1.5080% | 6,486 |
| Return on Equity (ROE) | -9.0776% | 6,428 |
| Retained earnings to average equity (ytd only) | -9.0776% | 6,357 |
| Net charge-offs to loans | 1.0526% | 283 |
| Credit loss provision to net charge-offs | 35.4938% | 3,364 |
| Earnings coverage of net charge-offs (x) | -1.8565% | 4,562 |
| Efficiency ratio | 136.6667% | 79 |
| Assets per employee ($millions) | 2.5098% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 4,097 |
| Loan loss allowance to noncurrent loans | 35.6831% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 4.2791% | 439 |
| Noncurrent loans to loans | 3.4373% | 706 |
| Net loans and leases to total assets | 65.6448% | 2,928 |
| Net loans and leases to deposits | 90.7621% | 1,356 |
| Net loans and leases to core deposits | 90.7621% | 2,152 |
| Total domestic deposits to total assets | 72.3263% | 6,152 |
| Equity capital to assets | 10.6319% | 3,394 |
| Core capital (leverage) ratio | 8.6962% | 5,444 |
| Tier 1 risk-based capital ratio | 13.9115% | 4,284 |
| Total risk-based capital ratio | 15.1623% | 4,221 |
| Memoranda: | ||
| Average total assets | $125,549,500 | 4,104 |
| Average earning assets | $109,650,000 | 4,226 |
| Average equity | $13,101,500 | 4,200 |
| Average total loans | $82,077,750 | 3,844 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 4,326 |
| Cost of funding earning assets | 0.7906% | 754 |
| Net interest margin | 3.0618% | 5,367 |
| Noninterest income to average assets | 0.8503% | 1,661 |
| Noninterest expense to average assets | 4.3932% | 505 |
| Loan and lease loss provision to assets | 0.1886% | 1,289 |
| Net operating income to assets | -0.6166% | 6,462 |
| Return on assets (ROA) | -0.6036% | 6,464 |
| Pretax return on assets | -1.0327% | 6,512 |
| Return on Equity (ROE) | -5.8185% | 6,451 |
| Retained earnings to average equity (ytd only) | -5.8185% | 6,282 |
| Net charge-offs to loans | 1.0997% | 301 |
| Credit loss provision to net charge-offs | 26.3736% | 3,107 |
| Earnings coverage of net charge-offs (x) | -1.2088% | 4,214 |
| Efficiency ratio | 121.4254% | 135 |
| Assets per employee ($millions) | 2.2616% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 3,827 |
| Loan loss allowance to noncurrent loans | 23.5541% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 5.7063% | 284 |
| Noncurrent loans to loans | 5.5441% | 318 |
| Net loans and leases to total assets | 63.6723% | 3,126 |
| Net loans and leases to deposits | 85.7445% | 1,846 |
| Net loans and leases to core deposits | 85.7445% | 2,543 |
| Total domestic deposits to total assets | 74.2582% | 6,088 |
| Equity capital to assets | 10.2819% | 3,719 |
| Core capital (leverage) ratio | 8.5585% | 5,579 |
| Tier 1 risk-based capital ratio | 13.8338% | 4,367 |
| Total risk-based capital ratio | 15.0851% | 4,318 |
| Memoranda: | ||
| Average total assets | $127,243,330 | 4,089 |
| Average earning assets | $111,305,670 | 4,210 |
| Average equity | $13,199,330 | 4,183 |
| Average total loans | $82,749,330 | 3,836 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,074 |
| Cost of funding earning assets | 0.8050% | 733 |
| Net interest margin | 3.0984% | 5,257 |
| Noninterest income to average assets | 1.1196% | 889 |
| Noninterest expense to average assets | 4.5288% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3052% | 6,400 |
| Return on assets (ROA) | -0.2791% | 6,389 |
| Pretax return on assets | -0.6523% | 6,497 |
| Return on Equity (ROE) | -2.6791% | 6,390 |
| Retained earnings to average equity (ytd only) | -2.6791% | 5,928 |
| Net charge-offs to loans | 0.0913% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -11.6316% | 3,608 |
| Efficiency ratio | 115.2903% | 218 |
| Assets per employee ($millions) | 2.2830% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 2,417 |
| Loan loss allowance to noncurrent loans | 25.0998% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 5.9062% | 295 |
| Noncurrent loans to loans | 6.6937% | 242 |
| Net loans and leases to total assets | 63.3036% | 3,014 |
| Net loans and leases to deposits | 85.3787% | 1,684 |
| Net loans and leases to core deposits | 85.3787% | 2,381 |
| Total domestic deposits to total assets | 74.1445% | 6,233 |
| Equity capital to assets | 10.3497% | 3,403 |
| Core capital (leverage) ratio | 8.7764% | 5,293 |
| Tier 1 risk-based capital ratio | 14.2181% | 4,185 |
| Total risk-based capital ratio | 15.4753% | 4,122 |
| Memoranda: | ||
| Average total assets | $127,540,000 | 4,119 |
| Average earning assets | $111,800,500 | 4,222 |
| Average equity | $13,288,000 | 4,186 |
| Average total loans | $83,270,000 | 3,852 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,775 |
| Cost of funding earning assets | 0.8891% | 786 |
| Net interest margin | 3.2022% | 4,995 |
| Noninterest income to average assets | 1.7757% | 475 |
| Noninterest expense to average assets | 5.7638% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.7059% | 6,547 |
| Return on assets (ROA) | -0.7059% | 6,551 |
| Pretax return on assets | -1.1528% | 6,625 |
| Return on Equity (ROE) | -7.0911% | 6,538 |
| Retained earnings to average equity (ytd only) | -7.0911% | 6,466 |
| Net charge-offs to loans | 0.7836% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.1026% | 5,328 |
| Efficiency ratio | 122.7856% | 161 |
| Assets per employee ($millions) | 2.1565% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 2,510 |
| Loan loss allowance to noncurrent loans | 27.2463% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 5.2613% | 432 |
| Noncurrent loans to loans | 6.1182% | 330 |
| Net loans and leases to total assets | 65.0942% | 2,845 |
| Net loans and leases to deposits | 87.2727% | 1,544 |
| Net loans and leases to core deposits | 87.2727% | 2,321 |
| Total domestic deposits to total assets | 74.5872% | 6,239 |
| Equity capital to assets | 10.4880% | 3,174 |
| Core capital (leverage) ratio | 8.9414% | 5,092 |
| Tier 1 risk-based capital ratio | 14.2294% | 4,130 |
| Total risk-based capital ratio | 15.4865% | 4,068 |
| Memoranda: | ||
| Average total assets | $135,154,200 | 3,978 |
| Average earning assets | $119,668,200 | 4,058 |
| Average equity | $13,453,400 | 4,174 |
| Average total loans | $94,567,000 | 3,584 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 3,609 |
| Cost of funding earning assets | 0.8932% | 838 |
| Net interest margin | 3.2447% | 4,851 |
| Noninterest income to average assets | 2.0884% | 391 |
| Noninterest expense to average assets | 6.0241% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.6281% | 6,635 |
| Return on assets (ROA) | -0.6281% | 6,643 |
| Pretax return on assets | -1.0607% | 6,702 |
| Return on Equity (ROE) | -6.3892% | 6,636 |
| Retained earnings to average equity (ytd only) | -6.3892% | 6,551 |
| Net charge-offs to loans | 0.7809% | 759 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.9174% | 5,076 |
| Efficiency ratio | 119.3536% | 177 |
| Assets per employee ($millions) | 2.2808% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 2,128 |
| Loan loss allowance to noncurrent loans | 22.9454% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 6.2593% | 365 |
| Noncurrent loans to loans | 8.0815% | 220 |
| Net loans and leases to total assets | 63.3372% | 3,104 |
| Net loans and leases to deposits | 83.5236% | 1,940 |
| Net loans and leases to core deposits | 83.6996% | 2,680 |
| Total domestic deposits to total assets | 75.8315% | 6,188 |
| Equity capital to assets | 9.8137% | 4,158 |
| Core capital (leverage) ratio | 8.2504% | 6,013 |
| Tier 1 risk-based capital ratio | 13.5718% | 4,712 |
| Total risk-based capital ratio | 14.8306% | 4,665 |
| Memoranda: | ||
| Average total assets | $137,135,000 | 3,974 |
| Average earning assets | $121,507,500 | 4,059 |
| Average equity | $13,480,750 | 4,218 |
| Average total loans | $97,152,750 | 3,548 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 3,140 |
| Cost of funding earning assets | 0.8970% | 912 |
| Net interest margin | 3.3572% | 4,349 |
| Noninterest income to average assets | 2.6104% | 302 |
| Noninterest expense to average assets | 6.7185% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6429% | 6,677 |
| Return on assets (ROA) | -0.6429% | 6,692 |
| Pretax return on assets | -1.1301% | 6,757 |
| Return on Equity (ROE) | -6.5362% | 6,678 |
| Retained earnings to average equity (ytd only) | -6.5362% | 6,550 |
| Net charge-offs to loans | 0.4808% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.2263% | 4,796 |
| Efficiency ratio | 118.4421% | 196 |
| Assets per employee ($millions) | 2.0152% | 6,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 1,744 |
| Loan loss allowance to noncurrent loans | 23.0389% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 7.2153% | 322 |
| Noncurrent loans to loans | 8.8934% | 207 |
| Net loans and leases to total assets | 67.5912% | 2,326 |
| Net loans and leases to deposits | 88.9388% | 1,236 |
| Net loans and leases to core deposits | 89.2511% | 1,976 |
| Total domestic deposits to total assets | 75.9975% | 6,247 |
| Equity capital to assets | 9.8519% | 4,123 |
| Core capital (leverage) ratio | 9.1678% | 4,737 |
| Tier 1 risk-based capital ratio | 14.5385% | 4,079 |
| Total risk-based capital ratio | 15.8024% | 4,041 |
| Memoranda: | ||
| Average total assets | $138,752,000 | 3,976 |
| Average earning assets | $123,080,000 | 4,058 |
| Average equity | $13,647,000 | 4,216 |
| Average total loans | $101,081,000 | 3,454 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 3,355 |
| Cost of funding earning assets | 0.9279% | 855 |
| Net interest margin | 3.2588% | 4,685 |
| Noninterest income to average assets | 3.2286% | 232 |
| Noninterest expense to average assets | 7.2451% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5319% | 6,689 |
| Return on assets (ROA) | -0.5319% | 6,711 |
| Pretax return on assets | -1.1293% | 6,829 |
| Return on Equity (ROE) | -5.4126% | 6,709 |
| Retained earnings to average equity (ytd only) | -5.4126% | 6,394 |
| Net charge-offs to loans | 0.2704% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -5.5915% | 4,077 |
| Efficiency ratio | 116.8372% | 242 |
| Assets per employee ($millions) | 1.4492% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0568% | 1,902 |
| Loan loss allowance to noncurrent loans | 22.6688% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 7.9238% | 317 |
| Noncurrent loans to loans | 9.0730% | 262 |
| Net loans and leases to total assets | 71.2290% | 1,486 |
| Net loans and leases to deposits | 93.2012% | 717 |
| Net loans and leases to core deposits | 93.6937% | 1,367 |
| Total domestic deposits to total assets | 76.4250% | 6,314 |
| Equity capital to assets | 9.8594% | 4,338 |
| Core capital (leverage) ratio | 9.0785% | 4,751 |
| Tier 1 risk-based capital ratio | 13.8018% | 4,650 |
| Total risk-based capital ratio | 15.0661% | 4,603 |
| Memoranda: | ||
| Average total assets | $140,618,500 | 3,972 |
| Average earning assets | $124,585,500 | 4,050 |
| Average equity | $13,819,500 | 4,228 |
| Average total loans | $105,036,500 | 3,397 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 3,970 |
| Cost of funding earning assets | 0.9357% | 1,731 |
| Net interest margin | 3.4283% | 4,785 |
| Noninterest income to average assets | 4.0682% | 184 |
| Noninterest expense to average assets | 7.3095% | 132 |
| Loan and lease loss provision to assets | 0.4820% | 1,270 |
| Net operating income to assets | -0.4145% | 6,523 |
| Return on assets (ROA) | -0.3539% | 6,530 |
| Pretax return on assets | -0.5476% | 6,592 |
| Return on Equity (ROE) | -4.1141% | 6,557 |
| Retained earnings to average equity (ytd only) | -4.1141% | 6,368 |
| Net charge-offs to loans | 0.4698% | 2,358 |
| Credit loss provision to net charge-offs | 133.2779% | 2,101 |
| Earnings coverage of net charge-offs (x) | -0.4393% | 5,655 |
| Efficiency ratio | 101.0604% | 520 |
| Assets per employee ($millions) | 1.4070% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 2,084 |
| Loan loss allowance to noncurrent loans | 23.6926% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 7.9628% | 347 |
| Noncurrent loans to loans | 8.3411% | 338 |
| Net loans and leases to total assets | 75.1117% | 1,031 |
| Net loans and leases to deposits | 98.2294% | 495 |
| Net loans and leases to core deposits | 101.3656% | 932 |
| Total domestic deposits to total assets | 76.4656% | 6,294 |
| Equity capital to assets | 9.7966% | 4,454 |
| Core capital (leverage) ratio | 9.0064% | 4,890 |
| Tier 1 risk-based capital ratio | 13.1882% | 4,974 |
| Total risk-based capital ratio | 14.4522% | 4,907 |
| Memoranda: | ||
| Average total assets | $166,167,000 | 3,518 |
| Average earning assets | $149,405,600 | 3,567 |
| Average equity | $14,292,200 | 4,105 |
| Average total loans | $127,937,200 | 2,917 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 4,139 |
| Cost of funding earning assets | 0.9270% | 2,001 |
| Net interest margin | 3.4523% | 4,838 |
| Noninterest income to average assets | 3.7858% | 190 |
| Noninterest expense to average assets | 6.9468% | 150 |
| Loan and lease loss provision to assets | 0.6203% | 864 |
| Net operating income to assets | -0.4475% | 6,673 |
| Return on assets (ROA) | -0.3670% | 6,674 |
| Pretax return on assets | -0.5467% | 6,722 |
| Return on Equity (ROE) | -4.3934% | 6,696 |
| Retained earnings to average equity (ytd only) | -4.3934% | 6,580 |
| Net charge-offs to loans | 0.2663% | 3,124 |
| Credit loss provision to net charge-offs | 302.2642% | 892 |
| Earnings coverage of net charge-offs (x) | -0.2264% | 5,420 |
| Efficiency ratio | 99.5175% | 555 |
| Assets per employee ($millions) | 1.5435% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 1,887 |
| Loan loss allowance to noncurrent loans | 29.9759% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 6.6444% | 555 |
| Noncurrent loans to loans | 7.0330% | 517 |
| Net loans and leases to total assets | 71.9678% | 1,559 |
| Net loans and leases to deposits | 90.7375% | 1,073 |
| Net loans and leases to core deposits | 94.3309% | 1,557 |
| Total domestic deposits to total assets | 79.3143% | 5,800 |
| Equity capital to assets | 8.6665% | 6,130 |
| Core capital (leverage) ratio | 7.9382% | 6,376 |
| Tier 1 risk-based capital ratio | 12.4805% | 5,658 |
| Total risk-based capital ratio | 13.7471% | 5,607 |
| Memoranda: | ||
| Average total assets | $172,181,000 | 3,447 |
| Average earning assets | $155,330,750 | 3,496 |
| Average equity | $14,384,750 | 4,124 |
| Average total loans | $132,698,000 | 2,862 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 3,936 |
| Cost of funding earning assets | 0.9307% | 2,177 |
| Net interest margin | 3.5311% | 4,551 |
| Noninterest income to average assets | 3.5135% | 206 |
| Noninterest expense to average assets | 6.6907% | 159 |
| Loan and lease loss provision to assets | 0.0909% | 4,430 |
| Net operating income to assets | -0.0599% | 6,393 |
| Return on assets (ROA) | 0.0897% | 6,334 |
| Pretax return on assets | 0.1056% | 6,314 |
| Return on Equity (ROE) | 1.0865% | 6,284 |
| Retained earnings to average equity (ytd only) | 1.0865% | 5,639 |
| Net charge-offs to loans | 0.1948% | 3,418 |
| Credit loss provision to net charge-offs | 59.7015% | 3,805 |
| Earnings coverage of net charge-offs (x) | 0.1343% | 5,008 |
| Efficiency ratio | 98.5274% | 607 |
| Assets per employee ($millions) | 1.4597% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 4,292 |
| Loan loss allowance to noncurrent loans | 28.1185% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 5.2182% | 891 |
| Noncurrent loans to loans | 5.1183% | 944 |
| Net loans and leases to total assets | 78.8058% | 635 |
| Net loans and leases to deposits | 101.3370% | 369 |
| Net loans and leases to core deposits | 106.3456% | 727 |
| Total domestic deposits to total assets | 77.7660% | 6,204 |
| Equity capital to assets | 8.7607% | 5,960 |
| Core capital (leverage) ratio | 8.0314% | 6,239 |
| Tier 1 risk-based capital ratio | 11.9978% | 5,938 |
| Total risk-based capital ratio | 13.2549% | 5,910 |
| Memoranda: | ||
| Average total assets | $176,066,000 | 3,427 |
| Average earning assets | $159,442,330 | 3,439 |
| Average equity | $14,542,330 | 4,081 |
| Average total loans | $137,592,330 | 2,789 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 4,099 |
| Cost of funding earning assets | 0.9412% | 2,366 |
| Net interest margin | 3.5119% | 4,632 |
| Noninterest income to average assets | 3.9619% | 174 |
| Noninterest expense to average assets | 7.0209% | 141 |
| Loan and lease loss provision to assets | 0.0881% | 4,264 |
| Net operating income to assets | 0.0242% | 6,375 |
| Return on assets (ROA) | 0.0242% | 6,488 |
| Pretax return on assets | 0.0330% | 6,477 |
| Return on Equity (ROE) | 0.3016% | 6,474 |
| Retained earnings to average equity (ytd only) | 0.3016% | 5,887 |
| Net charge-offs to loans | 0.3617% | 2,219 |
| Credit loss provision to net charge-offs | 31.4961% | 3,598 |
| Earnings coverage of net charge-offs (x) | 0.4331% | 4,133 |
| Efficiency ratio | 97.2556% | 671 |
| Assets per employee ($millions) | 1.5615% | 7,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,588 |
| Loan loss allowance to noncurrent loans | 27.7282% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 4.9151% | 1,072 |
| Noncurrent loans to loans | 5.0663% | 1,102 |
| Net loans and leases to total assets | 74.1804% | 1,032 |
| Net loans and leases to deposits | 91.6805% | 819 |
| Net loans and leases to core deposits | 99.3790% | 1,024 |
| Total domestic deposits to total assets | 80.9118% | 5,630 |
| Equity capital to assets | 8.2106% | 6,351 |
| Core capital (leverage) ratio | 7.4744% | 6,650 |
| Tier 1 risk-based capital ratio | 11.7675% | 6,113 |
| Total risk-based capital ratio | 13.0239% | 6,088 |
| Memoranda: | ||
| Average total assets | $181,628,500 | 3,351 |
| Average earning assets | $164,469,000 | 3,370 |
| Average equity | $14,588,500 | 4,074 |
| Average total loans | $140,448,000 | 2,779 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 3,509 |
| Cost of funding earning assets | 1.1212% | 2,528 |
| Net interest margin | 3.7464% | 4,096 |
| Noninterest income to average assets | 2.0191% | 372 |
| Noninterest expense to average assets | 5.3920% | 280 |
| Loan and lease loss provision to assets | 0.9835% | 969 |
| Net operating income to assets | -0.5996% | 6,551 |
| Return on assets (ROA) | -0.5746% | 6,582 |
| Pretax return on assets | -0.9225% | 6,703 |
| Return on Equity (ROE) | -6.7825% | 6,619 |
| Retained earnings to average equity (ytd only) | -7.7070% | 6,607 |
| Net charge-offs to loans | 0.9966% | 1,744 |
| Credit loss provision to net charge-offs | 130.5122% | 2,340 |
| Earnings coverage of net charge-offs (x) | 0.0290% | 5,799 |
| Efficiency ratio | 98.2536% | 721 |
| Assets per employee ($millions) | 1.7138% | 7,234 |
| Cash dividends to net income (ytd only)* | -13.6319% | 7,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,821 |
| Loan loss allowance to noncurrent loans | 29.8380% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 4.5187% | 1,215 |
| Noncurrent loans to loans | 4.4162% | 1,362 |
| Net loans and leases to total assets | 78.2561% | 682 |
| Net loans and leases to deposits | 97.2492% | 611 |
| Net loans and leases to core deposits | 110.1057% | 619 |
| Total domestic deposits to total assets | 80.4697% | 5,603 |
| Equity capital to assets | 7.8634% | 6,652 |
| Core capital (leverage) ratio | 7.1932% | 6,794 |
| Tier 1 risk-based capital ratio | 11.5801% | 6,111 |
| Total risk-based capital ratio | 12.8355% | 6,094 |
| Memoranda: | ||
| Average total assets | $178,744,800 | 3,353 |
| Average earning assets | $161,967,400 | 3,369 |
| Average equity | $15,142,000 | 3,877 |
| Average total loans | $135,154,600 | 2,895 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 3,575 |
| Cost of funding earning assets | 1.1561% | 2,596 |
| Net interest margin | 3.7410% | 4,152 |
| Noninterest income to average assets | 1.5209% | 567 |
| Noninterest expense to average assets | 5.2991% | 287 |
| Loan and lease loss provision to assets | 1.3263% | 556 |
| Net operating income to assets | -1.0334% | 6,897 |
| Return on assets (ROA) | -0.9996% | 6,913 |
| Pretax return on assets | -1.6582% | 7,053 |
| Return on Equity (ROE) | -11.5804% | 6,938 |
| Retained earnings to average equity (ytd only) | -12.8040% | 6,940 |
| Net charge-offs to loans | 1.3585% | 1,112 |
| Credit loss provision to net charge-offs | 130.8036% | 2,436 |
| Earnings coverage of net charge-offs (x) | -0.3795% | 5,791 |
| Efficiency ratio | 106.3709% | 496 |
| Assets per employee ($millions) | 1.5620% | 7,331 |
| Cash dividends to net income (ytd only)* | -10.5659% | 7,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 4,260 |
| Loan loss allowance to noncurrent loans | 34.5102% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 4.3625% | 1,384 |
| Noncurrent loans to loans | 4.2506% | 1,540 |
| Net loans and leases to total assets | 75.7381% | 1,017 |
| Net loans and leases to deposits | 94.0566% | 832 |
| Net loans and leases to core deposits | 106.0666% | 860 |
| Total domestic deposits to total assets | 80.5239% | 5,591 |
| Equity capital to assets | 8.3224% | 6,459 |
| Core capital (leverage) ratio | 7.5719% | 6,722 |
| Tier 1 risk-based capital ratio | 11.7831% | 6,048 |
| Total risk-based capital ratio | 13.0398% | 6,035 |
| Memoranda: | ||
| Average total assets | $176,730,500 | 3,399 |
| Average earning assets | $160,311,250 | 3,421 |
| Average equity | $15,255,250 | 3,871 |
| Average total loans | $131,909,250 | 2,976 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 3,559 |
| Cost of funding earning assets | 1.1814% | 2,700 |
| Net interest margin | 3.7315% | 4,112 |
| Noninterest income to average assets | 1.1606% | 949 |
| Noninterest expense to average assets | 4.9380% | 390 |
| Loan and lease loss provision to assets | 0.5848% | 1,655 |
| Net operating income to assets | -0.5767% | 6,747 |
| Return on assets (ROA) | -0.5263% | 6,737 |
| Pretax return on assets | -0.8985% | 6,860 |
| Return on Equity (ROE) | -6.0269% | 6,778 |
| Retained earnings to average equity (ytd only) | -7.8298% | 6,767 |
| Net charge-offs to loans | 0.8277% | 1,852 |
| Credit loss provision to net charge-offs | 95.5882% | 3,286 |
| Earnings coverage of net charge-offs (x) | -0.6415% | 5,565 |
| Efficiency ratio | 107.1252% | 532 |
| Assets per employee ($millions) | 1.6563% | 7,383 |
| Cash dividends to net income (ytd only)* | -29.9145% | 7,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,730 |
| Loan loss allowance to noncurrent loans | 60.9482% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.8207% | 2,378 |
| Noncurrent loans to loans | 1.9008% | 3,607 |
| Net loans and leases to total assets | 73.0306% | 1,589 |
| Net loans and leases to deposits | 90.6250% | 1,206 |
| Net loans and leases to core deposits | 100.9201% | 1,262 |
| Total domestic deposits to total assets | 80.5855% | 5,655 |
| Equity capital to assets | 8.5593% | 6,115 |
| Core capital (leverage) ratio | 7.8783% | 6,434 |
| Tier 1 risk-based capital ratio | 12.5381% | 5,311 |
| Total risk-based capital ratio | 13.7891% | 5,287 |
| Memoranda: | ||
| Average total assets | $177,845,000 | 3,402 |
| Average earning assets | $161,331,330 | 3,423 |
| Average equity | $15,530,330 | 3,815 |
| Average total loans | $131,454,000 | 3,010 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 3,459 |
| Cost of funding earning assets | 1.2007% | 2,811 |
| Net interest margin | 3.7231% | 3,985 |
| Noninterest income to average assets | 1.1383% | 1,008 |
| Noninterest expense to average assets | 4.6858% | 493 |
| Loan and lease loss provision to assets | 0.0449% | 5,440 |
| Net operating income to assets | -0.0808% | 6,440 |
| Return on assets (ROA) | -0.0808% | 6,459 |
| Pretax return on assets | -0.2088% | 6,543 |
| Return on Equity (ROE) | -0.9166% | 6,474 |
| Retained earnings to average equity (ytd only) | -0.9166% | 5,966 |
| Net charge-offs to loans | 0.6681% | 1,870 |
| Credit loss provision to net charge-offs | 9.0909% | 4,388 |
| Earnings coverage of net charge-offs (x) | -0.3318% | 4,740 |
| Efficiency ratio | 102.3337% | 660 |
| Assets per employee ($millions) | 1.8042% | 7,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 6,144 |
| Loan loss allowance to noncurrent loans | 69.1237% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.4836% | 2,747 |
| Noncurrent loans to loans | 1.5531% | 4,137 |
| Net loans and leases to total assets | 68.4902% | 2,454 |
| Net loans and leases to deposits | 84.8371% | 1,905 |
| Net loans and leases to core deposits | 93.9411% | 1,890 |
| Total domestic deposits to total assets | 80.7314% | 5,738 |
| Equity capital to assets | 8.6996% | 5,661 |
| Core capital (leverage) ratio | 8.0441% | 6,196 |
| Tier 1 risk-based capital ratio | 13.1134% | 4,741 |
| Total risk-based capital ratio | 14.3460% | 4,731 |
| Memoranda: | ||
| Average total assets | $178,156,000 | 3,410 |
| Average earning assets | $161,909,500 | 3,424 |
| Average equity | $15,711,000 | 3,777 |
| Average total loans | $131,709,000 | 3,039 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 2,813 |
| Cost of funding earning assets | 1.5792% | 2,194 |
| Net interest margin | 3.7897% | 3,989 |
| Noninterest income to average assets | 1.6438% | 539 |
| Noninterest expense to average assets | 4.3239% | 789 |
| Loan and lease loss provision to assets | 0.1512% | 5,688 |
| Net operating income to assets | 0.4207% | 4,460 |
| Return on assets (ROA) | 0.4585% | 4,443 |
| Pretax return on assets | 0.6836% | 4,034 |
| Return on Equity (ROE) | 5.2617% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.4628% | 3,443 |
| Net charge-offs to loans | 0.1651% | 5,346 |
| Credit loss provision to net charge-offs | 114.8936% | 3,774 |
| Earnings coverage of net charge-offs (x) | 5.9149% | 2,497 |
| Efficiency ratio | 83.1450% | 2,036 |
| Assets per employee ($millions) | 1.6912% | 7,516 |
| Cash dividends to net income (ytd only)* | 34.1880% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,911 |
| Loan loss allowance to noncurrent loans | 63.7304% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.4373% | 2,839 |
| Noncurrent loans to loans | 1.7458% | 3,887 |
| Net loans and leases to total assets | 77.8696% | 968 |
| Net loans and leases to deposits | 97.6814% | 745 |
| Net loans and leases to core deposits | 105.5542% | 1,218 |
| Total domestic deposits to total assets | 79.7179% | 5,906 |
| Equity capital to assets | 8.9409% | 5,219 |
| Core capital (leverage) ratio | 8.2082% | 5,812 |
| Tier 1 risk-based capital ratio | 12.4131% | 5,098 |
| Total risk-based capital ratio | 13.6641% | 5,077 |
| Memoranda: | ||
| Average total assets | $178,610,200 | 3,403 |
| Average earning assets | $162,994,600 | 3,391 |
| Average equity | $15,565,400 | 3,849 |
| Average total loans | $142,316,600 | 2,898 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 2,822 |
| Cost of funding earning assets | 1.6567% | 2,064 |
| Net interest margin | 3.7563% | 4,159 |
| Noninterest income to average assets | 1.0248% | 1,395 |
| Noninterest expense to average assets | 3.7160% | 1,537 |
| Loan and lease loss provision to assets | 0.1339% | 5,690 |
| Net operating income to assets | 0.3944% | 4,775 |
| Return on assets (ROA) | 0.4432% | 4,759 |
| Pretax return on assets | 0.6812% | 4,296 |
| Return on Equity (ROE) | 5.1184% | 4,233 |
| Retained earnings to average equity (ytd only) | 3.9161% | 3,713 |
| Net charge-offs to loans | 0.1954% | 4,775 |
| Credit loss provision to net charge-offs | 85.7143% | 4,930 |
| Earnings coverage of net charge-offs (x) | 4.7381% | 2,940 |
| Efficiency ratio | 81.6255% | 2,106 |
| Assets per employee ($millions) | 1.7795% | 7,599 |
| Cash dividends to net income (ytd only)* | 23.4896% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,326 |
| Loan loss allowance to noncurrent loans | 54.5052% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.6637% | 2,709 |
| Noncurrent loans to loans | 1.8618% | 3,855 |
| Net loans and leases to total assets | 80.9087% | 629 |
| Net loans and leases to deposits | 101.0238% | 581 |
| Net loans and leases to core deposits | 111.8081% | 943 |
| Total domestic deposits to total assets | 80.0888% | 5,677 |
| Equity capital to assets | 8.8718% | 5,742 |
| Core capital (leverage) ratio | 8.1076% | 6,185 |
| Tier 1 risk-based capital ratio | 11.8639% | 5,579 |
| Total risk-based capital ratio | 13.1003% | 5,568 |
| Memoranda: | ||
| Average total assets | $179,290,500 | 3,429 |
| Average earning assets | $163,775,750 | 3,426 |
| Average equity | $15,525,250 | 3,897 |
| Average total loans | $143,269,500 | 2,918 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 2,407 |
| Cost of funding earning assets | 1.7442% | 1,900 |
| Net interest margin | 3.7843% | 3,960 |
| Noninterest income to average assets | 0.7144% | 2,625 |
| Noninterest expense to average assets | 3.4072% | 2,245 |
| Loan and lease loss provision to assets | 0.1335% | 5,552 |
| Net operating income to assets | 0.4213% | 4,656 |
| Return on assets (ROA) | 0.4340% | 4,763 |
| Pretax return on assets | 0.6498% | 4,400 |
| Return on Equity (ROE) | 5.0525% | 4,266 |
| Retained earnings to average equity (ytd only) | 3.2388% | 4,042 |
| Net charge-offs to loans | 0.2119% | 4,341 |
| Credit loss provision to net charge-offs | 79.4702% | 4,722 |
| Earnings coverage of net charge-offs (x) | 4.5497% | 2,920 |
| Efficiency ratio | 79.8346% | 2,461 |
| Assets per employee ($millions) | 2.5599% | 7,025 |
| Cash dividends to net income (ytd only)* | 35.8974% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 6,094 |
| Loan loss allowance to noncurrent loans | 84.3339% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 2.2663% | 3,175 |
| Noncurrent loans to loans | 1.2657% | 4,851 |
| Net loans and leases to total assets | 78.5357% | 1,026 |
| Net loans and leases to deposits | 98.2274% | 850 |
| Net loans and leases to core deposits | 111.4680% | 1,063 |
| Total domestic deposits to total assets | 79.9529% | 5,741 |
| Equity capital to assets | 8.9324% | 5,554 |
| Core capital (leverage) ratio | 8.2376% | 5,880 |
| Tier 1 risk-based capital ratio | 11.9093% | 5,392 |
| Total risk-based capital ratio | 13.1562% | 5,372 |
| Memoranda: | ||
| Average total assets | $179,739,000 | 3,445 |
| Average earning assets | $164,204,000 | 3,442 |
| Average equity | $15,438,000 | 3,901 |
| Average total loans | $142,543,000 | 2,965 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 2,697 |
| Cost of funding earning assets | 1.7742% | 2,000 |
| Net interest margin | 3.7042% | 4,219 |
| Noninterest income to average assets | 0.7011% | 2,600 |
| Noninterest expense to average assets | 3.2776% | 2,603 |
| Loan and lease loss provision to assets | 0.1972% | 4,527 |
| Net operating income to assets | 0.4296% | 4,712 |
| Return on assets (ROA) | 0.4557% | 4,717 |
| Pretax return on assets | 0.6485% | 4,421 |
| Return on Equity (ROE) | 5.4087% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.4087% | 2,929 |
| Net charge-offs to loans | 0.1741% | 3,882 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,324 |
| Efficiency ratio | 78.3378% | 2,845 |
| Assets per employee ($millions) | 2.8429% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 6,124 |
| Loan loss allowance to noncurrent loans | 65.2896% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.4722% | 2,935 |
| Noncurrent loans to loans | 1.6466% | 4,277 |
| Net loans and leases to total assets | 77.5304% | 1,239 |
| Net loans and leases to deposits | 96.0246% | 1,100 |
| Net loans and leases to core deposits | 115.2034% | 988 |
| Total domestic deposits to total assets | 80.7402% | 5,534 |
| Equity capital to assets | 8.5284% | 5,964 |
| Core capital (leverage) ratio | 7.8452% | 6,439 |
| Tier 1 risk-based capital ratio | 11.3707% | 5,794 |
| Total risk-based capital ratio | 12.6136% | 5,774 |
| Memoranda: | ||
| Average total assets | $182,571,000 | 3,464 |
| Average earning assets | $166,839,500 | 3,450 |
| Average equity | $15,382,500 | 3,947 |
| Average total loans | $144,721,500 | 2,988 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6947% | 3,127 |
| Cost of funding earning assets | 2.1253% | 2,342 |
| Net interest margin | 3.5694% | 4,655 |
| Noninterest income to average assets | 0.5880% | 3,731 |
| Noninterest expense to average assets | 3.1430% | 3,572 |
| Loan and lease loss provision to assets | 0.8692% | 2,569 |
| Net operating income to assets | -0.0688% | 5,619 |
| Return on assets (ROA) | 0.3121% | 4,577 |
| Pretax return on assets | 0.2559% | 4,881 |
| Return on Equity (ROE) | 3.9193% | 4,129 |
| Retained earnings to average equity (ytd only) | 2.9956% | 3,066 |
| Net charge-offs to loans | 0.7983% | 2,829 |
| Credit loss provision to net charge-offs | 142.3408% | 3,395 |
| Earnings coverage of net charge-offs (x) | 1.2186% | 4,908 |
| Efficiency ratio | 79.0050% | 3,040 |
| Assets per employee ($millions) | 2.9079% | 6,437 |
| Cash dividends to net income (ytd only)* | 23.5690% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,236 |
| Loan loss allowance to noncurrent loans | 56.7873% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 2,928 |
| Noncurrent loans to loans | 1.8059% | 3,922 |
| Net loans and leases to total assets | 79.3360% | 1,126 |
| Net loans and leases to deposits | 98.5643% | 1,048 |
| Net loans and leases to core deposits | 123.8133% | 1,650 |
| Total domestic deposits to total assets | 80.4916% | 5,520 |
| Equity capital to assets | 8.3232% | 6,166 |
| Core capital (leverage) ratio | 7.6635% | 6,597 |
| Tier 1 risk-based capital ratio | 10.9873% | 5,923 |
| Total risk-based capital ratio | 12.1867% | 5,956 |
| Memoranda: | ||
| Average total assets | $190,294,200 | 3,282 |
| Average earning assets | $175,881,600 | 3,271 |
| Average equity | $15,155,800 | 4,032 |
| Average total loans | $145,552,200 | 2,990 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6803% | 3,433 |
| Cost of funding earning assets | 2.1958% | 2,432 |
| Net interest margin | 3.4845% | 4,928 |
| Noninterest income to average assets | 0.5415% | 4,146 |
| Noninterest expense to average assets | 3.2196% | 3,233 |
| Loan and lease loss provision to assets | 1.0649% | 1,825 |
| Net operating income to assets | -0.0503% | 5,803 |
| Return on assets (ROA) | 0.2207% | 5,167 |
| Pretax return on assets | -0.0875% | 5,829 |
| Return on Equity (ROE) | 2.8018% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.5683% | 4,437 |
| Net charge-offs to loans | 0.9833% | 2,003 |
| Credit loss provision to net charge-offs | 143.2306% | 3,417 |
| Earnings coverage of net charge-offs (x) | 0.7451% | 5,296 |
| Efficiency ratio | 83.4253% | 2,366 |
| Assets per employee ($millions) | 2.9043% | 6,396 |
| Cash dividends to net income (ytd only)* | 44.0246% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,362 |
| Loan loss allowance to noncurrent loans | 45.2512% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 2.2174% | 3,073 |
| Noncurrent loans to loans | 2.1858% | 3,395 |
| Net loans and leases to total assets | 78.3207% | 1,513 |
| Net loans and leases to deposits | 99.5636% | 1,147 |
| Net loans and leases to core deposits | 126.5301% | 1,695 |
| Total domestic deposits to total assets | 78.6639% | 5,910 |
| Equity capital to assets | 7.9850% | 6,858 |
| Core capital (leverage) ratio | 7.2817% | 7,202 |
| Tier 1 risk-based capital ratio | 10.5241% | 6,440 |
| Total risk-based capital ratio | 11.6756% | 6,494 |
| Memoranda: | ||
| Average total assets | $192,068,250 | 3,291 |
| Average earning assets | $178,155,500 | 3,261 |
| Average equity | $15,132,750 | 4,076 |
| Average total loans | $145,228,250 | 3,031 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7757% | 3,157 |
| Cost of funding earning assets | 2.2837% | 2,431 |
| Net interest margin | 3.4920% | 4,838 |
| Noninterest income to average assets | 0.6088% | 3,619 |
| Noninterest expense to average assets | 3.4561% | 2,478 |
| Loan and lease loss provision to assets | 0.6109% | 2,608 |
| Net operating income to assets | 0.0269% | 5,767 |
| Return on assets (ROA) | 0.6368% | 3,628 |
| Pretax return on assets | 0.3924% | 4,957 |
| Return on Equity (ROE) | 8.1176% | 2,722 |
| Retained earnings to average equity (ytd only) | 6.2697% | 1,896 |
| Net charge-offs to loans | 0.4908% | 2,862 |
| Credit loss provision to net charge-offs | 167.1388% | 2,748 |
| Earnings coverage of net charge-offs (x) | 1.0765% | 4,714 |
| Efficiency ratio | 87.9505% | 2,021 |
| Assets per employee ($millions) | 2.8863% | 6,428 |
| Cash dividends to net income (ytd only)* | 22.7642% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,904 |
| Loan loss allowance to noncurrent loans | 50.1202% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.9029% | 3,334 |
| Noncurrent loans to loans | 1.7359% | 3,907 |
| Net loans and leases to total assets | 74.8217% | 2,490 |
| Net loans and leases to deposits | 93.9510% | 2,096 |
| Net loans and leases to core deposits | 116.7767% | 2,645 |
| Total domestic deposits to total assets | 79.6390% | 5,577 |
| Equity capital to assets | 7.9823% | 6,775 |
| Core capital (leverage) ratio | 7.4601% | 7,071 |
| Tier 1 risk-based capital ratio | 11.2048% | 5,676 |
| Total risk-based capital ratio | 12.2069% | 5,859 |
| Memoranda: | ||
| Average total assets | $193,164,670 | 3,304 |
| Average earning assets | $179,268,670 | 3,268 |
| Average equity | $15,152,330 | 4,090 |
| Average total loans | $143,861,000 | 3,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 3,546 |
| Cost of funding earning assets | 2.4044% | 2,275 |
| Net interest margin | 3.3423% | 5,358 |
| Noninterest income to average assets | 0.5203% | 4,128 |
| Noninterest expense to average assets | 3.5373% | 2,012 |
| Loan and lease loss provision to assets | 0.6581% | 1,924 |
| Net operating income to assets | -0.1090% | 6,426 |
| Return on assets (ROA) | 1.0591% | 2,241 |
| Pretax return on assets | 0.6005% | 4,747 |
| Return on Equity (ROE) | 13.6194% | 1,241 |
| Retained earnings to average equity (ytd only) | 13.6194% | 549 |
| Net charge-offs to loans | 0.2557% | 3,131 |
| Credit loss provision to net charge-offs | 347.8261% | 1,446 |
| Earnings coverage of net charge-offs (x) | 0.4783% | 4,604 |
| Efficiency ratio | 95.5782% | 1,337 |
| Assets per employee ($millions) | 3.0387% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 6,939 |
| Loan loss allowance to noncurrent loans | 45.1965% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 1.9025% | 3,055 |
| Noncurrent loans to loans | 1.8936% | 3,423 |
| Net loans and leases to total assets | 73.9805% | 2,761 |
| Net loans and leases to deposits | 92.3697% | 2,534 |
| Net loans and leases to core deposits | 110.1469% | 3,415 |
| Total domestic deposits to total assets | 80.0917% | 5,334 |
| Equity capital to assets | 7.8991% | 6,955 |
| Core capital (leverage) ratio | 7.3273% | 7,348 |
| Tier 1 risk-based capital ratio | 11.2213% | 5,682 |
| Total risk-based capital ratio | 12.2163% | 5,843 |
| Memoranda: | ||
| Average total assets | $194,498,500 | 3,299 |
| Average earning assets | $180,835,500 | 3,268 |
| Average equity | $15,125,500 | 4,116 |
| Average total loans | $143,899,500 | 3,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4567% | 3,167 |
| Cost of funding earning assets | 2.9377% | 2,110 |
| Net interest margin | 3.5190% | 5,232 |
| Noninterest income to average assets | 0.4560% | 4,996 |
| Noninterest expense to average assets | 2.9520% | 4,252 |
| Loan and lease loss provision to assets | 0.2362% | 4,538 |
| Net operating income to assets | 0.3713% | 5,265 |
| Return on assets (ROA) | 0.4876% | 4,619 |
| Pretax return on assets | 0.6862% | 4,447 |
| Return on Equity (ROE) | 6.1307% | 3,892 |
| Retained earnings to average equity (ytd only) | 2.1143% | 3,916 |
| Net charge-offs to loans | 0.1048% | 5,254 |
| Credit loss provision to net charge-offs | 312.2302% | 1,445 |
| Earnings coverage of net charge-offs (x) | 10.0288% | 2,585 |
| Efficiency ratio | 77.5334% | 2,990 |
| Assets per employee ($millions) | 3.0876% | 5,814 |
| Cash dividends to net income (ytd only)* | 65.5134% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 7,391 |
| Loan loss allowance to noncurrent loans | 56.4274% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 3,783 |
| Noncurrent loans to loans | 1.2594% | 3,994 |
| Net loans and leases to total assets | 72.8295% | 3,404 |
| Net loans and leases to deposits | 93.7572% | 2,811 |
| Net loans and leases to core deposits | 111.2937% | 3,638 |
| Total domestic deposits to total assets | 77.6789% | 5,812 |
| Equity capital to assets | 7.6542% | 7,254 |
| Core capital (leverage) ratio | 7.0514% | 7,652 |
| Tier 1 risk-based capital ratio | 11.2177% | 5,519 |
| Total risk-based capital ratio | 12.0611% | 5,805 |
| Memoranda: | ||
| Average total assets | $183,771,400 | 3,359 |
| Average earning assets | $169,962,200 | 3,334 |
| Average equity | $14,615,000 | 4,218 |
| Average total loans | $132,593,200 | 3,226 |