Home > Falcon National Bank > Performance and Condition Ratios
Falcon National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9483% | 678 |
| Cost of funding earning assets | 2.1609% | 692 |
| Net interest margin | 3.7873% | 1,583 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.8962% | 1,275 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.5543% | 3,553 |
| Return on assets (ROA) | 0.5543% | 3,544 |
| Pretax return on assets | 0.7787% | 3,258 |
| Return on Equity (ROE) | 6.4200% | 3,444 |
| Retained earnings to average equity (ytd only) | 3.5423% | 3,107 |
| Net charge-offs to loans | 0.1685% | 625 |
| Credit loss provision to net charge-offs | 192.1434% | 1,252 |
| Earnings coverage of net charge-offs (x) | 7.2349% | 2,420 |
| Efficiency ratio | 71.9692% | 1,659 |
| Assets per employee ($millions) | 6.8591% | 2,164 |
| Cash dividends to net income (ytd only)* | 44.8248% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2872% | 249 |
| Loan loss allowance to noncurrent loans | 369.7491% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 1,039 |
| Noncurrent loans to loans | 0.6186% | 1,275 |
| Net loans and leases to total assets | 84.9300% | 214 |
| Net loans and leases to deposits | 94.2398% | 922 |
| Net loans and leases to core deposits | 127.4603% | 452 |
| Total domestic deposits to total assets | 90.1200% | 725 |
| Equity capital to assets | 8.5954% | 2,979 |
| Core capital (leverage) ratio | 8.9598% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $890,607,800 | 1,094 |
| Average earning assets | $857,541,000 | 1,048 |
| Average equity | $76,898,200 | 1,164 |
| Average total loans | $777,893,000 | 883 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8352% | 649 |
| Cost of funding earning assets | 1.9532% | 775 |
| Net interest margin | 3.8821% | 1,439 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.9658% | 1,120 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 0.5911% | 3,565 |
| Return on assets (ROA) | 0.5911% | 3,550 |
| Pretax return on assets | 0.8300% | 3,267 |
| Return on Equity (ROE) | 6.8400% | 3,471 |
| Retained earnings to average equity (ytd only) | 3.8477% | 3,301 |
| Net charge-offs to loans | 0.1256% | 644 |
| Credit loss provision to net charge-offs | 242.1703% | 1,007 |
| Earnings coverage of net charge-offs (x) | 10.2335% | 2,135 |
| Efficiency ratio | 71.3933% | 1,629 |
| Assets per employee ($millions) | 6.5516% | 2,288 |
| Cash dividends to net income (ytd only)* | 43.7324% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 273 |
| Loan loss allowance to noncurrent loans | 979.9675% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,244 |
| Noncurrent loans to loans | 0.2298% | 2,428 |
| Net loans and leases to total assets | 86.8800% | 124 |
| Net loans and leases to deposits | 96.5906% | 712 |
| Net loans and leases to core deposits | 134.3453% | 287 |
| Total domestic deposits to total assets | 89.9500% | 951 |
| Equity capital to assets | 8.4297% | 2,764 |
| Core capital (leverage) ratio | 9.0990% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $883,479,250 | 1,101 |
| Average earning assets | $850,626,750 | 1,055 |
| Average equity | $76,372,250 | 1,162 |
| Average total loans | $772,638,750 | 885 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 678 |
| Cost of funding earning assets | 1.6744% | 924 |
| Net interest margin | 3.9821% | 1,279 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 3.0080% | 1,036 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 0.6792% | 3,389 |
| Return on assets (ROA) | 0.6792% | 3,390 |
| Pretax return on assets | 0.9535% | 3,033 |
| Return on Equity (ROE) | 7.7900% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.6817% | 3,033 |
| Net charge-offs to loans | 0.1293% | 571 |
| Credit loss provision to net charge-offs | 268.9655% | 918 |
| Earnings coverage of net charge-offs (x) | 10.9108% | 1,980 |
| Efficiency ratio | 69.9348% | 1,766 |
| Assets per employee ($millions) | 6.3951% | 2,389 |
| Cash dividends to net income (ytd only)* | 39.9059% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 266 |
| Loan loss allowance to noncurrent loans | 1,780.8955% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 2,762 |
| Noncurrent loans to loans | 0.1291% | 2,828 |
| Net loans and leases to total assets | 84.3300% | 249 |
| Net loans and leases to deposits | 93.7093% | 889 |
| Net loans and leases to core deposits | 128.0238% | 355 |
| Total domestic deposits to total assets | 89.9900% | 922 |
| Equity capital to assets | 8.5691% | 2,807 |
| Core capital (leverage) ratio | 9.4993% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $876,600,000 | 1,100 |
| Average earning assets | $843,986,667 | 1,060 |
| Average equity | $76,425,000 | 1,160 |
| Average total loans | $762,321,667 | 884 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 554 |
| Cost of funding earning assets | 1.4281% | 974 |
| Net interest margin | 4.1476% | 1,035 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.9944% | 1,072 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 0.8146% | 3,149 |
| Return on assets (ROA) | 0.8146% | 3,097 |
| Pretax return on assets | 1.1420% | 2,591 |
| Return on Equity (ROE) | 9.2600% | 2,979 |
| Retained earnings to average equity (ytd only) | 6.4523% | 2,653 |
| Net charge-offs to loans | 0.1230% | 530 |
| Credit loss provision to net charge-offs | 301.7241% | 689 |
| Earnings coverage of net charge-offs (x) | 13.6466% | 1,581 |
| Efficiency ratio | 66.0818% | 2,196 |
| Assets per employee ($millions) | 6.0046% | 2,757 |
| Cash dividends to net income (ytd only)* | 30.3013% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4318% | 238 |
| Loan loss allowance to noncurrent loans | 1,912.9707% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,744 |
| Noncurrent loans to loans | 0.1271% | 2,877 |
| Net loans and leases to total assets | 85.4500% | 157 |
| Net loans and leases to deposits | 95.4586% | 685 |
| Net loans and leases to core deposits | 119.3937% | 454 |
| Total domestic deposits to total assets | 89.5200% | 1,334 |
| Equity capital to assets | 8.9359% | 2,563 |
| Core capital (leverage) ratio | 9.4566% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $863,757,500 | 1,125 |
| Average earning assets | $831,033,500 | 1,093 |
| Average equity | $76,003,500 | 1,173 |
| Average total loans | $754,324,500 | 905 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 237 |
| Cost of funding earning assets | 0.6836% | 631 |
| Net interest margin | 4.4743% | 308 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.8760% | 1,164 |
| Loan and lease loss provision to assets | 0.4700% | 131 |
| Net operating income to assets | 1.0316% | 2,450 |
| Return on assets (ROA) | 1.0316% | 2,388 |
| Pretax return on assets | 1.4447% | 1,637 |
| Return on Equity (ROE) | 11.8700% | 2,186 |
| Retained earnings to average equity (ytd only) | 8.9158% | 1,503 |
| Net charge-offs to loans | 0.1497% | 550 |
| Credit loss provision to net charge-offs | 360.8045% | 821 |
| Earnings coverage of net charge-offs (x) | 14.8064% | 2,018 |
| Efficiency ratio | 58.9828% | 3,192 |
| Assets per employee ($millions) | 6.3420% | 2,473 |
| Cash dividends to net income (ytd only)* | 24.8596% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 271 |
| Loan loss allowance to noncurrent loans | 1,110.3073% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,290 |
| Noncurrent loans to loans | 0.2064% | 2,464 |
| Net loans and leases to total assets | 85.0800% | 204 |
| Net loans and leases to deposits | 94.8058% | 725 |
| Net loans and leases to core deposits | 115.3422% | 458 |
| Total domestic deposits to total assets | 89.7500% | 1,467 |
| Equity capital to assets | 8.6641% | 2,587 |
| Core capital (leverage) ratio | 9.1138% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $828,613,600 | 1,157 |
| Average earning assets | $799,401,800 | 1,114 |
| Average equity | $72,040,600 | 1,226 |
| Average total loans | $714,209,200 | 888 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 202 |
| Cost of funding earning assets | 0.5233% | 667 |
| Net interest margin | 4.5147% | 233 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.8767% | 1,098 |
| Loan and lease loss provision to assets | 0.4600% | 115 |
| Net operating income to assets | 1.0879% | 2,151 |
| Return on assets (ROA) | 1.0879% | 2,115 |
| Pretax return on assets | 1.5256% | 1,340 |
| Return on Equity (ROE) | 12.5000% | 1,874 |
| Retained earnings to average equity (ytd only) | 9.5536% | 1,469 |
| Net charge-offs to loans | 0.1393% | 470 |
| Credit loss provision to net charge-offs | 387.7551% | 719 |
| Earnings coverage of net charge-offs (x) | 16.6204% | 1,814 |
| Efficiency ratio | 58.0078% | 3,381 |
| Assets per employee ($millions) | 6.2410% | 2,541 |
| Cash dividends to net income (ytd only)* | 23.5814% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2816% | 301 |
| Loan loss allowance to noncurrent loans | 1,303.3620% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 2,521 |
| Noncurrent loans to loans | 0.1751% | 2,715 |
| Net loans and leases to total assets | 83.5000% | 284 |
| Net loans and leases to deposits | 92.6752% | 725 |
| Net loans and leases to core deposits | 116.7356% | 320 |
| Total domestic deposits to total assets | 90.1000% | 1,612 |
| Equity capital to assets | 8.5010% | 2,548 |
| Core capital (leverage) ratio | 9.4411% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $818,553,750 | 1,174 |
| Average earning assets | $790,530,500 | 1,133 |
| Average equity | $71,231,250 | 1,246 |
| Average total loans | $703,611,000 | 899 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 184 |
| Cost of funding earning assets | 0.4081% | 870 |
| Net interest margin | 4.5445% | 179 |
| Noninterest income to average assets | 0.5814% | 1,820 |
| Noninterest expense to average assets | 2.9120% | 973 |
| Loan and lease loss provision to assets | 0.4613% | 114 |
| Net operating income to assets | 1.1411% | 1,626 |
| Return on assets (ROA) | 1.1411% | 1,607 |
| Pretax return on assets | 1.5995% | 938 |
| Return on Equity (ROE) | 13.0070% | 1,379 |
| Retained earnings to average equity (ytd only) | 9.9680% | 1,033 |
| Net charge-offs to loans | 0.0723% | 731 |
| Credit loss provision to net charge-offs | 741.0359% | 498 |
| Earnings coverage of net charge-offs (x) | 33.1036% | 1,351 |
| Efficiency ratio | 57.4663% | 3,629 |
| Assets per employee ($millions) | 6.1252% | 2,633 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2475% | 349 |
| Loan loss allowance to noncurrent loans | 481.5013% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 1,291 |
| Noncurrent loans to loans | 0.4668% | 1,711 |
| Net loans and leases to total assets | 87.6172% | 54 |
| Net loans and leases to deposits | 97.7252% | 355 |
| Net loans and leases to core deposits | 123.1275% | 165 |
| Total domestic deposits to total assets | 89.6567% | 1,866 |
| Equity capital to assets | 9.1355% | 2,297 |
| Core capital (leverage) ratio | 9.4102% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $806,398,667 | 1,187 |
| Average earning assets | $779,231,000 | 1,148 |
| Average equity | $70,746,667 | 1,282 |
| Average total loans | $694,606,333 | 893 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 191 |
| Cost of funding earning assets | 0.3674% | 1,077 |
| Net interest margin | 4.4566% | 182 |
| Noninterest income to average assets | 0.8001% | 1,044 |
| Noninterest expense to average assets | 2.9005% | 958 |
| Loan and lease loss provision to assets | 0.4453% | 111 |
| Net operating income to assets | 1.2583% | 1,099 |
| Return on assets (ROA) | 1.2583% | 1,085 |
| Pretax return on assets | 1.7640% | 597 |
| Return on Equity (ROE) | 14.6426% | 711 |
| Retained earnings to average equity (ytd only) | 12.3394% | 551 |
| Net charge-offs to loans | 0.0739% | 622 |
| Credit loss provision to net charge-offs | 714.2857% | 423 |
| Earnings coverage of net charge-offs (x) | 35.4365% | 1,063 |
| Efficiency ratio | 55.6987% | 3,910 |
| Assets per employee ($millions) | 6.2941% | 2,562 |
| Cash dividends to net income (ytd only)* | 15.7295% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2336% | 417 |
| Loan loss allowance to noncurrent loans | 1,630.7447% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,719 |
| Noncurrent loans to loans | 0.1370% | 3,128 |
| Net loans and leases to total assets | 83.2827% | 110 |
| Net loans and leases to deposits | 94.7607% | 326 |
| Net loans and leases to core deposits | 110.5306% | 247 |
| Total domestic deposits to total assets | 87.8874% | 2,576 |
| Equity capital to assets | 9.1431% | 2,583 |
| Core capital (leverage) ratio | 9.4454% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $808,400,500 | 1,185 |
| Average earning assets | $781,762,000 | 1,152 |
| Average equity | $69,468,500 | 1,340 |
| Average total loans | $682,309,500 | 900 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 239 |
| Cost of funding earning assets | 0.4930% | 964 |
| Net interest margin | 4.5868% | 232 |
| Noninterest income to average assets | 0.3927% | 3,090 |
| Noninterest expense to average assets | 2.8688% | 1,223 |
| Loan and lease loss provision to assets | 0.4278% | 147 |
| Net operating income to assets | 1.0899% | 2,333 |
| Return on assets (ROA) | 1.0901% | 2,403 |
| Pretax return on assets | 1.5274% | 1,631 |
| Return on Equity (ROE) | 13.0916% | 1,432 |
| Retained earnings to average equity (ytd only) | 10.0355% | 911 |
| Net charge-offs to loans | 0.0206% | 1,863 |
| Credit loss provision to net charge-offs | 2,575.8065% | 258 |
| Earnings coverage of net charge-offs (x) | 117.7097% | 797 |
| Efficiency ratio | 58.4685% | 3,367 |
| Assets per employee ($millions) | 6.7596% | 2,100 |
| Cash dividends to net income (ytd only)* | 23.3444% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 488 |
| Loan loss allowance to noncurrent loans | 3,840.3694% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 3,364 |
| Noncurrent loans to loans | 0.0559% | 3,678 |
| Net loans and leases to total assets | 81.8304% | 189 |
| Net loans and leases to deposits | 91.9332% | 479 |
| Net loans and leases to core deposits | 105.8854% | 369 |
| Total domestic deposits to total assets | 89.0107% | 1,511 |
| Equity capital to assets | 8.0473% | 4,333 |
| Core capital (leverage) ratio | 7.9829% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6442% | 3,072 |
| Memoranda: | ||
| Average total assets | $746,641,200 | 1,229 |
| Average earning assets | $721,287,400 | 1,189 |
| Average equity | $62,169,400 | 1,472 |
| Average total loans | $602,441,000 | 1,009 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 260 |
| Cost of funding earning assets | 0.5203% | 954 |
| Net interest margin | 4.5711% | 282 |
| Noninterest income to average assets | 0.4296% | 2,931 |
| Noninterest expense to average assets | 2.8987% | 1,129 |
| Loan and lease loss provision to assets | 0.4189% | 146 |
| Net operating income to assets | 1.0884% | 2,600 |
| Return on assets (ROA) | 1.0887% | 2,654 |
| Pretax return on assets | 1.5249% | 1,922 |
| Return on Equity (ROE) | 12.9545% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.0226% | 1,305 |
| Net charge-offs to loans | 0.0101% | 1,947 |
| Credit loss provision to net charge-offs | 5,215.9091% | 154 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 492 |
| Efficiency ratio | 58.9107% | 3,137 |
| Assets per employee ($millions) | 6.2886% | 2,431 |
| Cash dividends to net income (ytd only)* | 22.6320% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1800% | 473 |
| Loan loss allowance to noncurrent loans | 2,698.6248% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 3,307 |
| Noncurrent loans to loans | 0.0808% | 3,685 |
| Net loans and leases to total assets | 80.3377% | 268 |
| Net loans and leases to deposits | 90.8345% | 557 |
| Net loans and leases to core deposits | 107.8122% | 368 |
| Total domestic deposits to total assets | 88.4440% | 1,602 |
| Equity capital to assets | 8.3176% | 4,327 |
| Core capital (leverage) ratio | 8.1200% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0926% | 3,085 |
| Memoranda: | ||
| Average total assets | $730,513,750 | 1,260 |
| Average earning assets | $705,173,000 | 1,226 |
| Average equity | $61,392,750 | 1,507 |
| Average total loans | $583,470,500 | 1,052 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 372 |
| Cost of funding earning assets | 0.5541% | 921 |
| Net interest margin | 4.3982% | 417 |
| Noninterest income to average assets | 0.2929% | 3,674 |
| Noninterest expense to average assets | 2.8902% | 1,161 |
| Loan and lease loss provision to assets | 0.3898% | 164 |
| Net operating income to assets | 0.8987% | 3,227 |
| Return on assets (ROA) | 0.9005% | 3,299 |
| Pretax return on assets | 1.2608% | 2,735 |
| Return on Equity (ROE) | 10.6757% | 2,539 |
| Retained earnings to average equity (ytd only) | 7.7048% | 2,192 |
| Net charge-offs to loans | 0.0813% | 859 |
| Credit loss provision to net charge-offs | 606.0606% | 621 |
| Earnings coverage of net charge-offs (x) | 25.6277% | 1,402 |
| Efficiency ratio | 62.8098% | 2,613 |
| Assets per employee ($millions) | 6.0188% | 2,590 |
| Cash dividends to net income (ytd only)* | 27.8293% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 564 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,983 |
| Noncurrent loans to loans | 0.1653% | 3,386 |
| Net loans and leases to total assets | 81.4550% | 240 |
| Net loans and leases to deposits | 93.6685% | 476 |
| Net loans and leases to core deposits | 112.5514% | 308 |
| Total domestic deposits to total assets | 86.9609% | 2,343 |
| Equity capital to assets | 8.2571% | 4,391 |
| Core capital (leverage) ratio | 8.1510% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $718,283,000 | 1,272 |
| Average earning assets | $693,381,333 | 1,233 |
| Average equity | $60,586,000 | 1,514 |
| Average total loans | $567,930,000 | 1,086 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 519 |
| Cost of funding earning assets | 0.5992% | 876 |
| Net interest margin | 4.1619% | 647 |
| Noninterest income to average assets | 0.2618% | 3,823 |
| Noninterest expense to average assets | 2.6797% | 1,670 |
| Loan and lease loss provision to assets | 0.5112% | 128 |
| Net operating income to assets | 0.7781% | 3,491 |
| Return on assets (ROA) | 0.7781% | 3,557 |
| Pretax return on assets | 1.0871% | 3,141 |
| Return on Equity (ROE) | 9.1233% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.4596% | 2,746 |
| Net charge-offs to loans | 0.1004% | 685 |
| Credit loss provision to net charge-offs | 661.7647% | 531 |
| Earnings coverage of net charge-offs (x) | 20.6912% | 1,243 |
| Efficiency ratio | 61.9490% | 2,765 |
| Assets per employee ($millions) | 6.1111% | 2,485 |
| Cash dividends to net income (ytd only)* | 29.1971% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2793% | 378 |
| Loan loss allowance to noncurrent loans | 1,301.7003% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 3,521 |
| Noncurrent loans to loans | 0.1751% | 3,484 |
| Net loans and leases to total assets | 72.8274% | 918 |
| Net loans and leases to deposits | 83.6349% | 1,188 |
| Net loans and leases to core deposits | 97.4961% | 822 |
| Total domestic deposits to total assets | 87.0777% | 2,284 |
| Equity capital to assets | 8.3293% | 4,254 |
| Core capital (leverage) ratio | 8.4374% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $704,257,000 | 1,278 |
| Average earning assets | $679,594,000 | 1,243 |
| Average equity | $60,066,000 | 1,519 |
| Average total loans | $541,604,500 | 1,124 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 220 |
| Cost of funding earning assets | 0.8938% | 874 |
| Net interest margin | 4.5079% | 327 |
| Noninterest income to average assets | 0.3338% | 3,463 |
| Noninterest expense to average assets | 2.8441% | 1,832 |
| Loan and lease loss provision to assets | 0.6440% | 284 |
| Net operating income to assets | 0.8513% | 2,893 |
| Return on assets (ROA) | 0.8513% | 3,032 |
| Pretax return on assets | 1.1891% | 2,367 |
| Return on Equity (ROE) | 9.1207% | 2,349 |
| Retained earnings to average equity (ytd only) | 6.3673% | 1,643 |
| Net charge-offs to loans | 0.2034% | 850 |
| Credit loss provision to net charge-offs | 381.8095% | 1,488 |
| Earnings coverage of net charge-offs (x) | 10.8686% | 2,433 |
| Efficiency ratio | 60.0797% | 3,446 |
| Assets per employee ($millions) | 5.9775% | 2,352 |
| Cash dividends to net income (ytd only)* | 30.1887% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 486 |
| Loan loss allowance to noncurrent loans | 1,338.5781% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 3,660 |
| Noncurrent loans to loans | 0.1572% | 3,655 |
| Net loans and leases to total assets | 77.7285% | 623 |
| Net loans and leases to deposits | 89.9001% | 934 |
| Net loans and leases to core deposits | 106.0433% | 640 |
| Total domestic deposits to total assets | 86.4610% | 2,166 |
| Equity capital to assets | 8.7385% | 4,262 |
| Core capital (leverage) ratio | 8.8154% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $622,561,200 | 1,295 |
| Average earning assets | $599,829,800 | 1,263 |
| Average equity | $58,109,600 | 1,482 |
| Average total loans | $516,150,800 | 1,110 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5462% | 209 |
| Cost of funding earning assets | 0.9704% | 848 |
| Net interest margin | 4.5759% | 326 |
| Noninterest income to average assets | 0.3494% | 3,374 |
| Noninterest expense to average assets | 2.8942% | 1,715 |
| Loan and lease loss provision to assets | 0.6823% | 325 |
| Net operating income to assets | 0.8457% | 2,924 |
| Return on assets (ROA) | 0.8457% | 3,047 |
| Pretax return on assets | 1.1819% | 2,449 |
| Return on Equity (ROE) | 8.8995% | 2,437 |
| Retained earnings to average equity (ytd only) | 6.3541% | 1,943 |
| Net charge-offs to loans | 0.2055% | 744 |
| Credit loss provision to net charge-offs | 395.7908% | 1,470 |
| Earnings coverage of net charge-offs (x) | 10.8138% | 2,335 |
| Efficiency ratio | 60.1017% | 3,379 |
| Assets per employee ($millions) | 5.6966% | 2,542 |
| Cash dividends to net income (ytd only)* | 28.6011% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 504 |
| Loan loss allowance to noncurrent loans | 863.9331% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,377 |
| Noncurrent loans to loans | 0.2300% | 3,481 |
| Net loans and leases to total assets | 82.4228% | 405 |
| Net loans and leases to deposits | 95.9504% | 762 |
| Net loans and leases to core deposits | 115.4319% | 515 |
| Total domestic deposits to total assets | 85.9015% | 2,109 |
| Equity capital to assets | 9.1237% | 4,023 |
| Core capital (leverage) ratio | 9.0205% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,349,250 | 1,299 |
| Average earning assets | $584,239,750 | 1,271 |
| Average equity | $57,619,750 | 1,483 |
| Average total loans | $508,739,000 | 1,112 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8390% | 179 |
| Cost of funding earning assets | 1.0499% | 837 |
| Net interest margin | 4.7891% | 290 |
| Noninterest income to average assets | 0.1125% | 4,729 |
| Noninterest expense to average assets | 2.9190% | 1,786 |
| Loan and lease loss provision to assets | 0.7433% | 348 |
| Net operating income to assets | 0.7628% | 3,181 |
| Return on assets (ROA) | 0.7628% | 3,290 |
| Pretax return on assets | 1.0642% | 2,823 |
| Return on Equity (ROE) | 7.9123% | 2,783 |
| Retained earnings to average equity (ytd only) | 5.4594% | 2,289 |
| Net charge-offs to loans | 0.2398% | 655 |
| Credit loss provision to net charge-offs | 369.7479% | 1,472 |
| Earnings coverage of net charge-offs (x) | 8.9916% | 2,253 |
| Efficiency ratio | 61.1365% | 3,258 |
| Assets per employee ($millions) | 5.5513% | 2,588 |
| Cash dividends to net income (ytd only)* | 31.0009% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 516 |
| Loan loss allowance to noncurrent loans | 845.7048% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 3,578 |
| Noncurrent loans to loans | 0.2264% | 3,567 |
| Net loans and leases to total assets | 82.8074% | 338 |
| Net loans and leases to deposits | 96.7461% | 742 |
| Net loans and leases to core deposits | 117.4777% | 488 |
| Total domestic deposits to total assets | 85.5925% | 2,169 |
| Equity capital to assets | 9.2774% | 3,854 |
| Core capital (leverage) ratio | 9.1167% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,993,667 | 1,307 |
| Average earning assets | $570,339,333 | 1,267 |
| Average equity | $57,076,000 | 1,487 |
| Average total loans | $496,279,333 | 1,122 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8862% | 188 |
| Cost of funding earning assets | 1.1686% | 852 |
| Net interest margin | 4.7176% | 316 |
| Noninterest income to average assets | 0.1372% | 4,679 |
| Noninterest expense to average assets | 3.0776% | 1,697 |
| Loan and lease loss provision to assets | 0.4179% | 726 |
| Net operating income to assets | 0.8518% | 2,704 |
| Return on assets (ROA) | 0.8518% | 2,805 |
| Pretax return on assets | 1.1881% | 2,236 |
| Return on Equity (ROE) | 8.6560% | 2,258 |
| Retained earnings to average equity (ytd only) | 8.6560% | 1,067 |
| Net charge-offs to loans | 0.1668% | 792 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 11.5300% | 1,728 |
| Efficiency ratio | 65.0706% | 3,079 |
| Assets per employee ($millions) | 4.9160% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 641 |
| Loan loss allowance to noncurrent loans | 607.4099% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,429 |
| Noncurrent loans to loans | 0.3081% | 3,396 |
| Net loans and leases to total assets | 81.4566% | 511 |
| Net loans and leases to deposits | 96.2808% | 883 |
| Net loans and leases to core deposits | 118.2538% | 523 |
| Total domestic deposits to total assets | 84.6031% | 2,566 |
| Equity capital to assets | 9.9999% | 3,787 |
| Core capital (leverage) ratio | 9.6781% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,341,500 | 1,303 |
| Average earning assets | $553,500,500 | 1,259 |
| Average equity | $56,515,500 | 1,490 |
| Average total loans | $479,624,500 | 1,130 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7695% | 345 |
| Cost of funding earning assets | 1.1361% | 1,206 |
| Net interest margin | 4.6334% | 539 |
| Noninterest income to average assets | 0.1678% | 4,651 |
| Noninterest expense to average assets | 3.1483% | 1,648 |
| Loan and lease loss provision to assets | 0.3512% | 435 |
| Net operating income to assets | 0.7915% | 3,580 |
| Return on assets (ROA) | 0.7915% | 3,658 |
| Pretax return on assets | 1.1008% | 3,161 |
| Return on Equity (ROE) | 8.2862% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.2862% | 892 |
| Net charge-offs to loans | 0.1258% | 1,508 |
| Credit loss provision to net charge-offs | 341.8048% | 814 |
| Earnings coverage of net charge-offs (x) | 14.1326% | 2,303 |
| Efficiency ratio | 67.7251% | 2,500 |
| Assets per employee ($millions) | 4.8194% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 696 |
| Loan loss allowance to noncurrent loans | 901.2672% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 3,817 |
| Noncurrent loans to loans | 0.1966% | 3,751 |
| Net loans and leases to total assets | 82.5204% | 488 |
| Net loans and leases to deposits | 97.2997% | 816 |
| Net loans and leases to core deposits | 121.1759% | 446 |
| Total domestic deposits to total assets | 84.8105% | 2,567 |
| Equity capital to assets | 9.6797% | 4,195 |
| Core capital (leverage) ratio | 9.6429% | 3,912 |
| Tier 1 risk-based capital ratio | 11.3947% | 4,685 |
| Total risk-based capital ratio | 12.6514% | 4,559 |
| Memoranda: | ||
| Average total assets | $528,508,200 | 1,359 |
| Average earning assets | $505,591,800 | 1,319 |
| Average equity | $50,481,800 | 1,585 |
| Average total loans | $431,664,800 | 1,194 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 387 |
| Cost of funding earning assets | 1.1092% | 1,311 |
| Net interest margin | 4.6364% | 567 |
| Noninterest income to average assets | 0.1717% | 4,687 |
| Noninterest expense to average assets | 3.0810% | 1,760 |
| Loan and lease loss provision to assets | 0.3557% | 373 |
| Net operating income to assets | 0.8341% | 3,565 |
| Return on assets (ROA) | 0.8341% | 3,646 |
| Pretax return on assets | 1.1599% | 3,102 |
| Return on Equity (ROE) | 8.7652% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.7652% | 1,113 |
| Net charge-offs to loans | 0.1298% | 1,224 |
| Credit loss provision to net charge-offs | 338.2353% | 876 |
| Earnings coverage of net charge-offs (x) | 14.4117% | 2,246 |
| Efficiency ratio | 66.2984% | 2,689 |
| Assets per employee ($millions) | 5.2193% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 679 |
| Loan loss allowance to noncurrent loans | 1,081.6138% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,063 |
| Noncurrent loans to loans | 0.1664% | 3,943 |
| Net loans and leases to total assets | 78.4414% | 1,067 |
| Net loans and leases to deposits | 92.2928% | 1,400 |
| Net loans and leases to core deposits | 119.0967% | 566 |
| Total domestic deposits to total assets | 84.9919% | 2,430 |
| Equity capital to assets | 9.5980% | 4,394 |
| Core capital (leverage) ratio | 9.8430% | 3,795 |
| Tier 1 risk-based capital ratio | 11.4403% | 4,699 |
| Total risk-based capital ratio | 12.6965% | 4,596 |
| Memoranda: | ||
| Average total assets | $517,258,000 | 1,387 |
| Average earning assets | $493,675,250 | 1,349 |
| Average equity | $49,223,750 | 1,628 |
| Average total loans | $419,131,750 | 1,225 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7329% | 374 |
| Cost of funding earning assets | 1.0545% | 1,477 |
| Net interest margin | 4.6784% | 515 |
| Noninterest income to average assets | 0.1700% | 4,733 |
| Noninterest expense to average assets | 3.1381% | 1,640 |
| Loan and lease loss provision to assets | 0.3480% | 373 |
| Net operating income to assets | 0.8207% | 3,583 |
| Return on assets (ROA) | 0.8207% | 3,638 |
| Pretax return on assets | 1.1415% | 3,110 |
| Return on Equity (ROE) | 8.6526% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.6526% | 1,144 |
| Net charge-offs to loans | 0.1286% | 1,172 |
| Credit loss provision to net charge-offs | 332.0611% | 839 |
| Earnings coverage of net charge-offs (x) | 14.2137% | 2,049 |
| Efficiency ratio | 67.0700% | 2,675 |
| Assets per employee ($millions) | 4.7689% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 689 |
| Loan loss allowance to noncurrent loans | 1,060.1085% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,949 |
| Noncurrent loans to loans | 0.1691% | 3,945 |
| Net loans and leases to total assets | 80.1439% | 859 |
| Net loans and leases to deposits | 94.2019% | 1,238 |
| Net loans and leases to core deposits | 123.2442% | 448 |
| Total domestic deposits to total assets | 85.0768% | 2,440 |
| Equity capital to assets | 9.1954% | 4,658 |
| Core capital (leverage) ratio | 9.6067% | 4,030 |
| Tier 1 risk-based capital ratio | 10.6198% | 5,065 |
| Total risk-based capital ratio | 11.8759% | 4,976 |
| Memoranda: | ||
| Average total assets | $500,043,670 | 1,429 |
| Average earning assets | $476,441,330 | 1,393 |
| Average equity | $47,430,670 | 1,666 |
| Average total loans | $407,365,330 | 1,260 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 357 |
| Cost of funding earning assets | 1.0105% | 1,529 |
| Net interest margin | 4.7022% | 492 |
| Noninterest income to average assets | 0.1623% | 4,766 |
| Noninterest expense to average assets | 3.2678% | 1,353 |
| Loan and lease loss provision to assets | 0.3478% | 343 |
| Net operating income to assets | 0.7246% | 3,857 |
| Return on assets (ROA) | 0.7246% | 3,907 |
| Pretax return on assets | 1.0170% | 3,390 |
| Return on Equity (ROE) | 7.5125% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.5125% | 1,842 |
| Net charge-offs to loans | 0.1669% | 815 |
| Credit loss provision to net charge-offs | 256.0976% | 909 |
| Earnings coverage of net charge-offs (x) | 10.0488% | 1,979 |
| Efficiency ratio | 69.7712% | 2,383 |
| Assets per employee ($millions) | 4.7450% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 658 |
| Loan loss allowance to noncurrent loans | 847.8409% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 3,796 |
| Noncurrent loans to loans | 0.2166% | 3,815 |
| Net loans and leases to total assets | 80.8306% | 731 |
| Net loans and leases to deposits | 90.6163% | 1,553 |
| Net loans and leases to core deposits | 112.7113% | 797 |
| Total domestic deposits to total assets | 89.2010% | 765 |
| Equity capital to assets | 9.6379% | 4,142 |
| Core capital (leverage) ratio | 9.7196% | 3,896 |
| Tier 1 risk-based capital ratio | 11.0651% | 4,947 |
| Total risk-based capital ratio | 12.3216% | 4,847 |
| Memoranda: | ||
| Average total assets | $483,009,000 | 1,484 |
| Average earning assets | $459,194,000 | 1,453 |
| Average equity | $46,589,000 | 1,682 |
| Average total loans | $393,112,000 | 1,303 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 761 |
| Cost of funding earning assets | 0.7870% | 1,597 |
| Net interest margin | 4.3666% | 1,007 |
| Noninterest income to average assets | 0.2552% | 4,401 |
| Noninterest expense to average assets | 3.1032% | 1,787 |
| Loan and lease loss provision to assets | 0.3243% | 490 |
| Net operating income to assets | 0.9279% | 3,335 |
| Return on assets (ROA) | 0.9279% | 3,328 |
| Pretax return on assets | 0.9995% | 3,602 |
| Return on Equity (ROE) | 9.7515% | 2,622 |
| Retained earnings to average equity (ytd only) | 0.3943% | 4,880 |
| Net charge-offs to loans | 0.0874% | 1,904 |
| Credit loss provision to net charge-offs | 479.6238% | 712 |
| Earnings coverage of net charge-offs (x) | 19.5768% | 2,054 |
| Efficiency ratio | 69.2683% | 2,333 |
| Assets per employee ($millions) | 4.4579% | 3,231 |
| Cash dividends to net income (ytd only)* | 95.9561% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 572 |
| Loan loss allowance to noncurrent loans | 676.8510% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,699 |
| Noncurrent loans to loans | 0.2809% | 3,563 |
| Net loans and leases to total assets | 78.8631% | 1,127 |
| Net loans and leases to deposits | 88.6275% | 1,974 |
| Net loans and leases to core deposits | 105.4881% | 1,308 |
| Total domestic deposits to total assets | 88.9827% | 867 |
| Equity capital to assets | 9.6536% | 4,002 |
| Core capital (leverage) ratio | 9.7977% | 3,799 |
| Tier 1 risk-based capital ratio | 11.8287% | 4,548 |
| Total risk-based capital ratio | 13.0865% | 4,418 |
| Memoranda: | ||
| Average total assets | $471,732,200 | 1,484 |
| Average earning assets | $450,692,800 | 1,446 |
| Average equity | $44,885,200 | 1,666 |
| Average total loans | $364,975,400 | 1,347 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 867 |
| Cost of funding earning assets | 0.7481% | 1,593 |
| Net interest margin | 4.2907% | 1,130 |
| Noninterest income to average assets | 0.2740% | 4,320 |
| Noninterest expense to average assets | 3.0380% | 1,902 |
| Loan and lease loss provision to assets | 0.3535% | 381 |
| Net operating income to assets | 0.7058% | 4,204 |
| Return on assets (ROA) | 0.7058% | 4,214 |
| Pretax return on assets | 0.9905% | 3,741 |
| Return on Equity (ROE) | 7.4446% | 3,771 |
| Retained earnings to average equity (ytd only) | -5.0824% | 5,320 |
| Net charge-offs to loans | 0.0934% | 1,565 |
| Credit loss provision to net charge-offs | 494.0711% | 717 |
| Earnings coverage of net charge-offs (x) | 18.7868% | 2,037 |
| Efficiency ratio | 68.4907% | 2,448 |
| Assets per employee ($millions) | 4.5471% | 3,046 |
| Cash dividends to net income (ytd only)* | 168.2691% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 583 |
| Loan loss allowance to noncurrent loans | 666.7935% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 3,816 |
| Noncurrent loans to loans | 0.2860% | 3,660 |
| Net loans and leases to total assets | 76.9723% | 1,506 |
| Net loans and leases to deposits | 85.9339% | 2,377 |
| Net loans and leases to core deposits | 105.5142% | 1,347 |
| Total domestic deposits to total assets | 89.5715% | 651 |
| Equity capital to assets | 9.1762% | 4,391 |
| Core capital (leverage) ratio | 9.3633% | 4,317 |
| Tier 1 risk-based capital ratio | 11.4629% | 4,812 |
| Total risk-based capital ratio | 12.7203% | 4,689 |
| Memoranda: | ||
| Average total assets | $471,530,500 | 1,492 |
| Average earning assets | $451,441,250 | 1,450 |
| Average equity | $44,702,250 | 1,674 |
| Average total loans | $361,249,000 | 1,362 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 950 |
| Cost of funding earning assets | 0.7064% | 1,585 |
| Net interest margin | 4.2269% | 1,218 |
| Noninterest income to average assets | 0.2518% | 4,502 |
| Noninterest expense to average assets | 2.9010% | 2,353 |
| Loan and lease loss provision to assets | 0.3513% | 370 |
| Net operating income to assets | 0.7512% | 4,027 |
| Return on assets (ROA) | 0.7512% | 4,029 |
| Pretax return on assets | 1.0538% | 3,499 |
| Return on Equity (ROE) | 7.8406% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.8406% | 1,691 |
| Net charge-offs to loans | 0.0178% | 2,550 |
| Credit loss provision to net charge-offs | 2,593.7500% | 165 |
| Earnings coverage of net charge-offs (x) | 103.7500% | 681 |
| Efficiency ratio | 66.5258% | 2,890 |
| Assets per employee ($millions) | 4.6014% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 650 |
| Loan loss allowance to noncurrent loans | 709.0249% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 3,760 |
| Noncurrent loans to loans | 0.2661% | 3,757 |
| Net loans and leases to total assets | 74.9986% | 1,790 |
| Net loans and leases to deposits | 83.7327% | 2,566 |
| Net loans and leases to core deposits | 103.1432% | 1,472 |
| Total domestic deposits to total assets | 89.5691% | 718 |
| Equity capital to assets | 9.1968% | 4,385 |
| Core capital (leverage) ratio | 9.4163% | 4,226 |
| Tier 1 risk-based capital ratio | 12.2785% | 4,325 |
| Total risk-based capital ratio | 13.5368% | 4,197 |
| Memoranda: | ||
| Average total assets | $472,589,670 | 1,495 |
| Average earning assets | $453,291,670 | 1,445 |
| Average equity | $45,277,330 | 1,663 |
| Average total loans | $359,162,000 | 1,365 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 293 |
| Cost of funding earning assets | 0.8292% | 836 |
| Net interest margin | 4.6378% | 460 |
| Noninterest income to average assets | 0.4143% | 3,358 |
| Noninterest expense to average assets | 3.1609% | 1,664 |
| Loan and lease loss provision to assets | 0.5713% | 180 |
| Net operating income to assets | 0.8409% | 3,550 |
| Return on assets (ROA) | 0.8409% | 3,565 |
| Pretax return on assets | 1.1806% | 2,840 |
| Return on Equity (ROE) | 9.7393% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.7393% | 1,244 |
| Net charge-offs to loans | -0.2493% | 5,420 |
| Credit loss provision to net charge-offs | -284.0909% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3411% | 3,427 |
| Assets per employee ($millions) | 4.3996% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 526 |
| Loan loss allowance to noncurrent loans | 372.1311% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,065 |
| Noncurrent loans to loans | 0.5420% | 2,901 |
| Net loans and leases to total assets | 80.7107% | 830 |
| Net loans and leases to deposits | 89.5827% | 1,734 |
| Net loans and leases to core deposits | 117.5901% | 668 |
| Total domestic deposits to total assets | 90.0963% | 623 |
| Equity capital to assets | 8.7569% | 4,780 |
| Core capital (leverage) ratio | 8.9558% | 4,729 |
| Tier 1 risk-based capital ratio | 11.7829% | 4,694 |
| Total risk-based capital ratio | 13.0443% | 4,566 |
| Memoranda: | ||
| Average total assets | $262,581,000 | 2,424 |
| Average earning assets | $254,689,500 | 2,336 |
| Average equity | $22,671,000 | 2,898 |
| Average total loans | $211,817,500 | 2,100 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 389 |
| Cost of funding earning assets | 0.7871% | 672 |
| Net interest margin | 4.4794% | 642 |
| Noninterest income to average assets | 0.3324% | 4,090 |
| Noninterest expense to average assets | 3.2087% | 1,589 |
| Loan and lease loss provision to assets | 0.3071% | 557 |
| Net operating income to assets | 1.1698% | 1,617 |
| Return on assets (ROA) | 1.1698% | 1,643 |
| Pretax return on assets | 1.1698% | 2,896 |
| Return on Equity (ROE) | 13.4239% | 862 |
| Retained earnings to average equity (ytd only) | 13.4239% | 120 |
| Net charge-offs to loans | 0.1733% | 1,429 |
| Credit loss provision to net charge-offs | 214.2045% | 1,276 |
| Earnings coverage of net charge-offs (x) | 10.3011% | 2,693 |
| Efficiency ratio | 68.4805% | 2,798 |
| Assets per employee ($millions) | 4.5790% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 760 |
| Loan loss allowance to noncurrent loans | 258.7356% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 2,704 |
| Noncurrent loans to loans | 0.7011% | 2,453 |
| Net loans and leases to total assets | 77.5682% | 1,341 |
| Net loans and leases to deposits | 85.6472% | 2,306 |
| Net loans and leases to core deposits | 112.4387% | 875 |
| Total domestic deposits to total assets | 90.5672% | 373 |
| Equity capital to assets | 8.5137% | 5,113 |
| Core capital (leverage) ratio | 9.0125% | 4,635 |
| Tier 1 risk-based capital ratio | 11.7247% | 4,702 |
| Total risk-based capital ratio | 12.9835% | 4,580 |
| Memoranda: | ||
| Average total assets | $245,520,400 | 2,526 |
| Average earning assets | $238,601,200 | 2,436 |
| Average equity | $21,394,600 | 3,006 |
| Average total loans | $203,089,600 | 2,132 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 345 |
| Cost of funding earning assets | 0.7748% | 669 |
| Net interest margin | 4.5182% | 579 |
| Noninterest income to average assets | 0.3476% | 4,050 |
| Noninterest expense to average assets | 3.0951% | 1,814 |
| Loan and lease loss provision to assets | 0.3099% | 503 |
| Net operating income to assets | 1.3394% | 1,223 |
| Return on assets (ROA) | 1.3394% | 1,248 |
| Pretax return on assets | 1.3394% | 2,329 |
| Return on Equity (ROE) | 15.2735% | 620 |
| Retained earnings to average equity (ytd only) | 15.2735% | 110 |
| Net charge-offs to loans | 0.0437% | 2,566 |
| Credit loss provision to net charge-offs | 846.9697% | 416 |
| Earnings coverage of net charge-offs (x) | 45.0747% | 1,199 |
| Efficiency ratio | 65.2372% | 3,336 |
| Assets per employee ($millions) | 4.4222% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 757 |
| Loan loss allowance to noncurrent loans | 188.0792% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 2,054 |
| Noncurrent loans to loans | 0.9916% | 1,951 |
| Net loans and leases to total assets | 82.8007% | 569 |
| Net loans and leases to deposits | 92.1250% | 1,552 |
| Net loans and leases to core deposits | 123.7244% | 468 |
| Total domestic deposits to total assets | 89.8786% | 512 |
| Equity capital to assets | 9.0646% | 4,858 |
| Core capital (leverage) ratio | 9.0877% | 4,644 |
| Tier 1 risk-based capital ratio | 11.6359% | 4,859 |
| Total risk-based capital ratio | 12.8959% | 4,741 |
| Memoranda: | ||
| Average total assets | $240,504,750 | 2,577 |
| Average earning assets | $234,042,250 | 2,480 |
| Average equity | $21,090,500 | 3,060 |
| Average total loans | $201,408,500 | 2,153 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 399 |
| Cost of funding earning assets | 0.7449% | 702 |
| Net interest margin | 4.4462% | 642 |
| Noninterest income to average assets | 0.3973% | 3,707 |
| Noninterest expense to average assets | 3.0102% | 2,077 |
| Loan and lease loss provision to assets | 0.3057% | 490 |
| Net operating income to assets | 1.4127% | 1,034 |
| Return on assets (ROA) | 1.4127% | 1,059 |
| Pretax return on assets | 1.4127% | 1,963 |
| Return on Equity (ROE) | 16.3000% | 491 |
| Retained earnings to average equity (ytd only) | 16.3000% | 99 |
| Net charge-offs to loans | 0.0402% | 2,397 |
| Credit loss provision to net charge-offs | 910.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 51.1500% | 1,058 |
| Efficiency ratio | 63.6590% | 3,729 |
| Assets per employee ($millions) | 4.3779% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 840 |
| Loan loss allowance to noncurrent loans | 195.7983% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 2,228 |
| Noncurrent loans to loans | 0.9334% | 2,104 |
| Net loans and leases to total assets | 83.1649% | 528 |
| Net loans and leases to deposits | 92.2908% | 1,456 |
| Net loans and leases to core deposits | 126.0588% | 396 |
| Total domestic deposits to total assets | 90.1118% | 504 |
| Equity capital to assets | 9.0073% | 4,894 |
| Core capital (leverage) ratio | 8.9760% | 4,752 |
| Tier 1 risk-based capital ratio | 11.7466% | 4,810 |
| Total risk-based capital ratio | 13.0064% | 4,690 |
| Memoranda: | ||
| Average total assets | $238,125,000 | 2,609 |
| Average earning assets | $231,973,000 | 2,509 |
| Average equity | $20,638,000 | 3,093 |
| Average total loans | $198,895,330 | 2,174 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 570 |
| Cost of funding earning assets | 0.7294% | 724 |
| Net interest margin | 4.2200% | 949 |
| Noninterest income to average assets | 0.4493% | 3,318 |
| Noninterest expense to average assets | 3.0372% | 2,063 |
| Loan and lease loss provision to assets | 0.2855% | 494 |
| Net operating income to assets | 1.2314% | 1,427 |
| Return on assets (ROA) | 1.2314% | 1,466 |
| Pretax return on assets | 1.2314% | 2,471 |
| Return on Equity (ROE) | 14.4981% | 728 |
| Retained earnings to average equity (ytd only) | 14.4981% | 268 |
| Net charge-offs to loans | -0.0346% | 5,001 |
| Credit loss provision to net charge-offs | -994.1176% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6914% | 3,380 |
| Assets per employee ($millions) | 4.3525% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 928 |
| Loan loss allowance to noncurrent loans | 597.3378% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 4,202 |
| Noncurrent loans to loans | 0.3043% | 4,027 |
| Net loans and leases to total assets | 81.0072% | 694 |
| Net loans and leases to deposits | 89.7383% | 1,568 |
| Net loans and leases to core deposits | 123.0724% | 387 |
| Total domestic deposits to total assets | 90.2705% | 555 |
| Equity capital to assets | 8.6029% | 5,153 |
| Core capital (leverage) ratio | 8.8113% | 4,945 |
| Tier 1 risk-based capital ratio | 11.6893% | 4,918 |
| Total risk-based capital ratio | 12.9487% | 4,813 |
| Memoranda: | ||
| Average total assets | $236,796,000 | 2,647 |
| Average earning assets | $230,334,000 | 2,549 |
| Average equity | $20,113,000 | 3,154 |
| Average total loans | $196,355,500 | 2,217 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 513 |
| Cost of funding earning assets | 0.5137% | 1,992 |
| Net interest margin | 4.5716% | 531 |
| Noninterest income to average assets | 1.2607% | 714 |
| Noninterest expense to average assets | 3.3863% | 1,390 |
| Loan and lease loss provision to assets | 0.2161% | 1,032 |
| Net operating income to assets | 2.0872% | 269 |
| Return on assets (ROA) | 2.0872% | 278 |
| Pretax return on assets | 2.0872% | 414 |
| Return on Equity (ROE) | 24.4705% | 83 |
| Retained earnings to average equity (ytd only) | 13.3576% | 155 |
| Net charge-offs to loans | 0.2315% | 1,201 |
| Credit loss provision to net charge-offs | 109.0909% | 2,406 |
| Earnings coverage of net charge-offs (x) | 11.6268% | 2,521 |
| Efficiency ratio | 57.4844% | 4,908 |
| Assets per employee ($millions) | 4.1823% | 3,643 |
| Cash dividends to net income (ytd only)* | 45.4133% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 1,044 |
| Loan loss allowance to noncurrent loans | 2,797.5410% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 5,134 |
| Noncurrent loans to loans | 0.0625% | 4,988 |
| Net loans and leases to total assets | 81.8887% | 622 |
| Net loans and leases to deposits | 90.2269% | 1,655 |
| Net loans and leases to core deposits | 121.4892% | 443 |
| Total domestic deposits to total assets | 90.7586% | 364 |
| Equity capital to assets | 8.3823% | 5,359 |
| Core capital (leverage) ratio | 8.6449% | 5,125 |
| Tier 1 risk-based capital ratio | 11.7273% | 4,908 |
| Total risk-based capital ratio | 12.9871% | 4,807 |
| Memoranda: | ||
| Average total assets | $210,998,600 | 2,846 |
| Average earning assets | $204,414,800 | 2,745 |
| Average equity | $17,997,200 | 3,409 |
| Average total loans | $180,554,000 | 2,306 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 514 |
| Cost of funding earning assets | 0.4784% | 2,284 |
| Net interest margin | 4.6067% | 502 |
| Noninterest income to average assets | 0.4275% | 3,713 |
| Noninterest expense to average assets | 3.1215% | 1,972 |
| Loan and lease loss provision to assets | 0.2222% | 923 |
| Net operating income to assets | 1.5451% | 805 |
| Return on assets (ROA) | 1.5451% | 847 |
| Pretax return on assets | 1.5451% | 1,558 |
| Return on Equity (ROE) | 18.0265% | 359 |
| Retained earnings to average equity (ytd only) | 2.8655% | 4,180 |
| Net charge-offs to loans | 0.1651% | 1,387 |
| Credit loss provision to net charge-offs | 156.1644% | 1,730 |
| Earnings coverage of net charge-offs (x) | 12.4202% | 2,393 |
| Efficiency ratio | 63.5566% | 3,992 |
| Assets per employee ($millions) | 4.0657% | 3,845 |
| Cash dividends to net income (ytd only)* | 84.1042% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 1,000 |
| Loan loss allowance to noncurrent loans | 2,363.5135% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 5,183 |
| Noncurrent loans to loans | 0.0765% | 5,042 |
| Net loans and leases to total assets | 83.4136% | 464 |
| Net loans and leases to deposits | 91.6671% | 1,541 |
| Net loans and leases to core deposits | 98.9331% | 1,732 |
| Total domestic deposits to total assets | 90.9961% | 197 |
| Equity capital to assets | 8.0003% | 5,736 |
| Core capital (leverage) ratio | 8.2460% | 5,543 |
| Tier 1 risk-based capital ratio | 10.7525% | 5,498 |
| Total risk-based capital ratio | 12.0132% | 5,403 |
| Memoranda: | ||
| Average total assets | $205,196,500 | 2,913 |
| Average earning assets | $198,718,500 | 2,818 |
| Average equity | $17,588,500 | 3,500 |
| Average total loans | $176,892,000 | 2,347 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 540 |
| Cost of funding earning assets | 0.4699% | 2,373 |
| Net interest margin | 4.5753% | 527 |
| Noninterest income to average assets | 0.4532% | 3,499 |
| Noninterest expense to average assets | 3.0935% | 2,078 |
| Loan and lease loss provision to assets | 0.2307% | 877 |
| Net operating income to assets | 1.5711% | 773 |
| Return on assets (ROA) | 1.5711% | 814 |
| Pretax return on assets | 1.5711% | 1,451 |
| Return on Equity (ROE) | 17.8715% | 368 |
| Retained earnings to average equity (ytd only) | -5.1439% | 5,748 |
| Net charge-offs to loans | 0.2159% | 1,083 |
| Credit loss provision to net charge-offs | 123.2432% | 1,826 |
| Earnings coverage of net charge-offs (x) | 9.6270% | 2,400 |
| Efficiency ratio | 62.8849% | 4,193 |
| Assets per employee ($millions) | 3.7591% | 4,348 |
| Cash dividends to net income (ytd only)* | 128.7830% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 935 |
| Loan loss allowance to noncurrent loans | 447.9685% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,984 |
| Noncurrent loans to loans | 0.4190% | 3,852 |
| Net loans and leases to total assets | 88.0233% | 134 |
| Net loans and leases to deposits | 97.1293% | 954 |
| Net loans and leases to core deposits | 101.2322% | 1,537 |
| Total domestic deposits to total assets | 90.6248% | 283 |
| Equity capital to assets | 8.5466% | 5,571 |
| Core capital (leverage) ratio | 8.5012% | 5,365 |
| Tier 1 risk-based capital ratio | 10.4882% | 5,677 |
| Total risk-based capital ratio | 11.7490% | 5,585 |
| Memoranda: | ||
| Average total assets | $197,702,000 | 3,003 |
| Average earning assets | $191,943,330 | 2,908 |
| Average equity | $17,379,670 | 3,529 |
| Average total loans | $171,384,670 | 2,397 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 623 |
| Cost of funding earning assets | 0.4661% | 2,417 |
| Net interest margin | 4.4945% | 613 |
| Noninterest income to average assets | 0.4942% | 3,158 |
| Noninterest expense to average assets | 3.1047% | 2,086 |
| Loan and lease loss provision to assets | 0.2338% | 781 |
| Net operating income to assets | 1.5257% | 819 |
| Return on assets (ROA) | 1.5257% | 861 |
| Pretax return on assets | 1.5257% | 1,514 |
| Return on Equity (ROE) | 17.1084% | 425 |
| Retained earnings to average equity (ytd only) | -5.8867% | 5,651 |
| Net charge-offs to loans | 0.2698% | 779 |
| Credit loss provision to net charge-offs | 101.7857% | 1,599 |
| Earnings coverage of net charge-offs (x) | 7.6607% | 2,132 |
| Efficiency ratio | 63.4907% | 4,222 |
| Assets per employee ($millions) | 4.0871% | 3,794 |
| Cash dividends to net income (ytd only)* | 134.4086% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0184% | 792 |
| Loan loss allowance to noncurrent loans | 1,176.6551% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 5,002 |
| Noncurrent loans to loans | 0.1715% | 4,796 |
| Net loans and leases to total assets | 81.8567% | 578 |
| Net loans and leases to deposits | 90.6879% | 1,495 |
| Net loans and leases to core deposits | 94.1786% | 1,972 |
| Total domestic deposits to total assets | 90.2620% | 502 |
| Equity capital to assets | 8.6654% | 5,449 |
| Core capital (leverage) ratio | 8.8326% | 5,048 |
| Tier 1 risk-based capital ratio | 11.3411% | 5,317 |
| Total risk-based capital ratio | 12.6037% | 5,213 |
| Memoranda: | ||
| Average total assets | $195,056,000 | 3,044 |
| Average earning assets | $189,656,000 | 2,935 |
| Average equity | $17,395,000 | 3,529 |
| Average total loans | $166,027,000 | 2,454 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 856 |
| Cost of funding earning assets | 0.4508% | 2,620 |
| Net interest margin | 4.3947% | 804 |
| Noninterest income to average assets | 0.8737% | 1,517 |
| Noninterest expense to average assets | 3.2583% | 1,817 |
| Loan and lease loss provision to assets | 0.1670% | 1,373 |
| Net operating income to assets | 1.7291% | 545 |
| Return on assets (ROA) | 1.7747% | 519 |
| Pretax return on assets | 1.7747% | 844 |
| Return on Equity (ROE) | 19.3259% | 285 |
| Retained earnings to average equity (ytd only) | 9.6296% | 515 |
| Net charge-offs to loans | -0.1679% | 5,925 |
| Credit loss provision to net charge-offs | -118.1102% | 5,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8914% | 4,463 |
| Assets per employee ($millions) | 3.8744% | 4,169 |
| Cash dividends to net income (ytd only)* | 50.1725% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 743 |
| Loan loss allowance to noncurrent loans | 331.5324% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 3,497 |
| Noncurrent loans to loans | 0.6179% | 3,325 |
| Net loans and leases to total assets | 85.0009% | 310 |
| Net loans and leases to deposits | 94.4795% | 1,158 |
| Net loans and leases to core deposits | 98.4834% | 1,633 |
| Total domestic deposits to total assets | 89.9676% | 643 |
| Equity capital to assets | 9.1843% | 4,933 |
| Core capital (leverage) ratio | 9.3549% | 4,391 |
| Tier 1 risk-based capital ratio | 11.6268% | 5,177 |
| Total risk-based capital ratio | 12.8890% | 5,083 |
| Memoranda: | ||
| Average total assets | $179,693,800 | 3,178 |
| Average earning assets | $175,027,800 | 3,050 |
| Average equity | $16,501,200 | 3,602 |
| Average total loans | $151,299,800 | 2,579 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 1,055 |
| Cost of funding earning assets | 0.4467% | 2,720 |
| Net interest margin | 4.2788% | 1,004 |
| Noninterest income to average assets | 0.8678% | 1,556 |
| Noninterest expense to average assets | 3.1218% | 2,164 |
| Loan and lease loss provision to assets | 0.2258% | 817 |
| Net operating income to assets | 1.6866% | 646 |
| Return on assets (ROA) | 1.7483% | 591 |
| Pretax return on assets | 1.7483% | 997 |
| Return on Equity (ROE) | 19.0396% | 331 |
| Retained earnings to average equity (ytd only) | 5.9258% | 2,296 |
| Net charge-offs to loans | -0.0631% | 5,624 |
| Credit loss provision to net charge-offs | -428.5714% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6684% | 4,618 |
| Assets per employee ($millions) | 3.7150% | 4,415 |
| Cash dividends to net income (ytd only)* | 68.8764% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 876 |
| Loan loss allowance to noncurrent loans | 1,149.2806% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 5,047 |
| Noncurrent loans to loans | 0.1767% | 4,946 |
| Net loans and leases to total assets | 82.9674% | 475 |
| Net loans and leases to deposits | 91.9100% | 1,418 |
| Net loans and leases to core deposits | 96.0265% | 1,874 |
| Total domestic deposits to total assets | 90.2703% | 479 |
| Equity capital to assets | 8.9782% | 5,322 |
| Core capital (leverage) ratio | 9.2699% | 4,627 |
| Tier 1 risk-based capital ratio | 11.6656% | 5,287 |
| Total risk-based capital ratio | 12.9280% | 5,204 |
| Memoranda: | ||
| Average total assets | $177,156,000 | 3,234 |
| Average earning assets | $172,506,750 | 3,107 |
| Average equity | $16,267,500 | 3,662 |
| Average total loans | $147,938,500 | 2,630 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 1,019 |
| Cost of funding earning assets | 0.4468% | 2,768 |
| Net interest margin | 4.2813% | 963 |
| Noninterest income to average assets | 0.8893% | 1,473 |
| Noninterest expense to average assets | 3.0455% | 2,408 |
| Loan and lease loss provision to assets | 0.2582% | 656 |
| Net operating income to assets | 1.7534% | 565 |
| Return on assets (ROA) | 1.7534% | 590 |
| Pretax return on assets | 1.7534% | 970 |
| Return on Equity (ROE) | 18.9449% | 340 |
| Retained earnings to average equity (ytd only) | 8.4062% | 1,117 |
| Net charge-offs to loans | -0.0635% | 5,629 |
| Credit loss provision to net charge-offs | -489.1304% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8820% | 5,000 |
| Assets per employee ($millions) | 4.0448% | 3,786 |
| Cash dividends to net income (ytd only)* | 55.6283% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 883 |
| Loan loss allowance to noncurrent loans | 1,115.1079% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 5,235 |
| Noncurrent loans to loans | 0.1862% | 5,034 |
| Net loans and leases to total assets | 84.0415% | 373 |
| Net loans and leases to deposits | 93.7324% | 1,177 |
| Net loans and leases to core deposits | 100.5953% | 1,439 |
| Total domestic deposits to total assets | 89.6611% | 808 |
| Equity capital to assets | 9.4851% | 4,671 |
| Core capital (leverage) ratio | 9.2143% | 4,670 |
| Tier 1 risk-based capital ratio | 11.8948% | 5,221 |
| Total risk-based capital ratio | 13.1563% | 5,114 |
| Memoranda: | ||
| Average total assets | $174,291,330 | 3,291 |
| Average earning assets | $169,668,000 | 3,169 |
| Average equity | $16,131,000 | 3,703 |
| Average total loans | $144,815,670 | 2,684 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 1,093 |
| Cost of funding earning assets | 0.4507% | 2,760 |
| Net interest margin | 4.2195% | 1,023 |
| Noninterest income to average assets | 0.8414% | 1,570 |
| Noninterest expense to average assets | 3.0010% | 2,581 |
| Loan and lease loss provision to assets | 0.3072% | 464 |
| Net operating income to assets | 1.6323% | 676 |
| Return on assets (ROA) | 1.6323% | 706 |
| Pretax return on assets | 1.6323% | 1,186 |
| Return on Equity (ROE) | 17.8580% | 396 |
| Retained earnings to average equity (ytd only) | -3.4612% | 5,829 |
| Net charge-offs to loans | -0.1010% | 5,862 |
| Credit loss provision to net charge-offs | -372.2222% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3712% | 5,045 |
| Assets per employee ($millions) | 4.1130% | 3,740 |
| Cash dividends to net income (ytd only)* | 119.3820% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 925 |
| Loan loss allowance to noncurrent loans | 1,003.0100% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 5,276 |
| Noncurrent loans to loans | 0.2090% | 5,033 |
| Net loans and leases to total assets | 79.1849% | 779 |
| Net loans and leases to deposits | 88.0365% | 1,604 |
| Net loans and leases to core deposits | 95.6323% | 1,641 |
| Total domestic deposits to total assets | 89.9455% | 766 |
| Equity capital to assets | 9.0220% | 5,261 |
| Core capital (leverage) ratio | 9.0065% | 4,944 |
| Tier 1 risk-based capital ratio | 12.0401% | 5,208 |
| Total risk-based capital ratio | 13.3027% | 5,105 |
| Memoranda: | ||
| Average total assets | $174,474,000 | 3,305 |
| Average earning assets | $169,499,500 | 3,184 |
| Average equity | $15,948,000 | 3,754 |
| Average total loans | $142,588,500 | 2,724 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 1,160 |
| Cost of funding earning assets | 0.4422% | 3,251 |
| Net interest margin | 4.3324% | 997 |
| Noninterest income to average assets | 0.9219% | 1,435 |
| Noninterest expense to average assets | 3.0860% | 2,573 |
| Loan and lease loss provision to assets | 0.1899% | 1,347 |
| Net operating income to assets | 1.8407% | 438 |
| Return on assets (ROA) | 1.8426% | 452 |
| Pretax return on assets | 1.8426% | 723 |
| Return on Equity (ROE) | 20.3708% | 228 |
| Retained earnings to average equity (ytd only) | 10.1380% | 492 |
| Net charge-offs to loans | -0.0235% | 5,734 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0024% | 5,225 |
| Assets per employee ($millions) | 4.0974% | 3,725 |
| Cash dividends to net income (ytd only)* | 50.2327% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 1,132 |
| Loan loss allowance to noncurrent loans | 1,088.0769% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 5,423 |
| Noncurrent loans to loans | 0.1829% | 5,175 |
| Net loans and leases to total assets | 80.9485% | 630 |
| Net loans and leases to deposits | 90.0060% | 1,517 |
| Net loans and leases to core deposits | 98.1823% | 1,536 |
| Total domestic deposits to total assets | 89.9367% | 761 |
| Equity capital to assets | 9.2625% | 4,991 |
| Core capital (leverage) ratio | 9.2693% | 4,575 |
| Tier 1 risk-based capital ratio | 12.3821% | 5,101 |
| Total risk-based capital ratio | 13.6447% | 5,018 |
| Memoranda: | ||
| Average total assets | $163,251,000 | 3,436 |
| Average earning assets | $158,063,800 | 3,312 |
| Average equity | $14,766,200 | 3,883 |
| Average total loans | $131,987,400 | 2,829 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 1,167 |
| Cost of funding earning assets | 0.4367% | 3,399 |
| Net interest margin | 4.3300% | 987 |
| Noninterest income to average assets | 0.8966% | 1,531 |
| Noninterest expense to average assets | 3.0045% | 2,788 |
| Loan and lease loss provision to assets | 0.2442% | 893 |
| Net operating income to assets | 1.8347% | 481 |
| Return on assets (ROA) | 1.8372% | 491 |
| Pretax return on assets | 1.8372% | 820 |
| Return on Equity (ROE) | 20.4425% | 255 |
| Retained earnings to average equity (ytd only) | 6.5225% | 2,088 |
| Net charge-offs to loans | -0.0319% | 5,759 |
| Credit loss provision to net charge-offs | -951.6129% | 5,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8111% | 5,334 |
| Assets per employee ($millions) | 4.2646% | 3,352 |
| Cash dividends to net income (ytd only)* | 68.0939% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 1,081 |
| Loan loss allowance to noncurrent loans | 723.3933% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 5,305 |
| Noncurrent loans to loans | 0.2912% | 5,036 |
| Net loans and leases to total assets | 76.6509% | 1,143 |
| Net loans and leases to deposits | 84.9693% | 2,035 |
| Net loans and leases to core deposits | 93.1954% | 1,939 |
| Total domestic deposits to total assets | 90.2102% | 645 |
| Equity capital to assets | 8.7728% | 5,570 |
| Core capital (leverage) ratio | 8.9395% | 5,138 |
| Tier 1 risk-based capital ratio | 12.6630% | 5,059 |
| Total risk-based capital ratio | 13.9273% | 4,962 |
| Memoranda: | ||
| Average total assets | $161,041,000 | 3,506 |
| Average earning assets | $155,715,750 | 3,367 |
| Average equity | $14,472,750 | 3,962 |
| Average total loans | $129,450,750 | 2,881 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 1,052 |
| Cost of funding earning assets | 0.4305% | 3,545 |
| Net interest margin | 4.3790% | 882 |
| Noninterest income to average assets | 1.0250% | 1,135 |
| Noninterest expense to average assets | 2.9672% | 2,945 |
| Loan and lease loss provision to assets | 0.2977% | 662 |
| Net operating income to assets | 1.9866% | 346 |
| Return on assets (ROA) | 1.9904% | 356 |
| Pretax return on assets | 1.9904% | 567 |
| Return on Equity (ROE) | 21.9587% | 200 |
| Retained earnings to average equity (ytd only) | 13.2228% | 322 |
| Net charge-offs to loans | -0.0781% | 6,065 |
| Credit loss provision to net charge-offs | -470.0000% | 5,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2364% | 5,720 |
| Assets per employee ($millions) | 3.9506% | 3,949 |
| Cash dividends to net income (ytd only)* | 39.7836% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1047% | 1,167 |
| Loan loss allowance to noncurrent loans | 581.1321% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 4,417 |
| Noncurrent loans to loans | 0.3622% | 4,905 |
| Net loans and leases to total assets | 81.5924% | 508 |
| Net loans and leases to deposits | 91.1181% | 1,261 |
| Net loans and leases to core deposits | 99.0824% | 1,359 |
| Total domestic deposits to total assets | 89.5458% | 1,054 |
| Equity capital to assets | 9.6442% | 4,567 |
| Core capital (leverage) ratio | 9.5186% | 4,308 |
| Tier 1 risk-based capital ratio | 12.9962% | 4,912 |
| Total risk-based capital ratio | 14.2602% | 4,838 |
| Memoranda: | ||
| Average total assets | $157,859,670 | 3,567 |
| Average earning assets | $152,364,670 | 3,437 |
| Average equity | $14,308,670 | 3,982 |
| Average total loans | $128,078,000 | 2,902 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 1,265 |
| Cost of funding earning assets | 0.4303% | 3,648 |
| Net interest margin | 4.2634% | 1,073 |
| Noninterest income to average assets | 0.7175% | 2,094 |
| Noninterest expense to average assets | 2.7710% | 3,670 |
| Loan and lease loss provision to assets | 0.3296% | 549 |
| Net operating income to assets | 1.7366% | 539 |
| Return on assets (ROA) | 1.7366% | 557 |
| Pretax return on assets | 1.7366% | 903 |
| Return on Equity (ROE) | 19.7934% | 302 |
| Retained earnings to average equity (ytd only) | 1.7337% | 4,919 |
| Net charge-offs to loans | -0.0792% | 6,025 |
| Credit loss provision to net charge-offs | -520.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2851% | 5,723 |
| Assets per employee ($millions) | 4.1924% | 3,544 |
| Cash dividends to net income (ytd only)* | 91.2409% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 1,401 |
| Loan loss allowance to noncurrent loans | 2,381.0811% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 5,278 |
| Noncurrent loans to loans | 0.0863% | 5,874 |
| Net loans and leases to total assets | 79.0399% | 657 |
| Net loans and leases to deposits | 88.7579% | 1,279 |
| Net loans and leases to core deposits | 91.5975% | 1,771 |
| Total domestic deposits to total assets | 89.0510% | 1,625 |
| Equity capital to assets | 8.8016% | 5,336 |
| Core capital (leverage) ratio | 9.3822% | 4,451 |
| Tier 1 risk-based capital ratio | 12.6072% | 5,251 |
| Total risk-based capital ratio | 13.8707% | 5,178 |
| Memoranda: | ||
| Average total assets | $157,778,500 | 3,593 |
| Average earning assets | $152,459,500 | 3,469 |
| Average equity | $13,843,000 | 4,074 |
| Average total loans | $126,264,000 | 2,938 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 2,366 |
| Cost of funding earning assets | 0.5010% | 3,600 |
| Net interest margin | 3.9566% | 2,084 |
| Noninterest income to average assets | 0.7547% | 2,269 |
| Noninterest expense to average assets | 2.6015% | 4,457 |
| Loan and lease loss provision to assets | 0.3857% | 786 |
| Net operating income to assets | 1.5646% | 741 |
| Return on assets (ROA) | 1.6161% | 683 |
| Pretax return on assets | 1.6161% | 1,127 |
| Return on Equity (ROE) | 18.6098% | 369 |
| Retained earnings to average equity (ytd only) | 12.5916% | 269 |
| Net charge-offs to loans | -0.2898% | 6,668 |
| Credit loss provision to net charge-offs | -183.4862% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1529% | 5,834 |
| Assets per employee ($millions) | 4.3401% | 3,195 |
| Cash dividends to net income (ytd only)* | 32.3389% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0070% | 1,529 |
| Loan loss allowance to noncurrent loans | 2,201.7699% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 5,362 |
| Noncurrent loans to loans | 0.0912% | 5,943 |
| Net loans and leases to total assets | 77.7478% | 852 |
| Net loans and leases to deposits | 85.8889% | 1,702 |
| Net loans and leases to core deposits | 88.4775% | 2,192 |
| Total domestic deposits to total assets | 90.5213% | 799 |
| Equity capital to assets | 8.7452% | 5,315 |
| Core capital (leverage) ratio | 9.2989% | 4,549 |
| Tier 1 risk-based capital ratio | 12.9414% | 5,020 |
| Total risk-based capital ratio | 14.2035% | 4,965 |
| Memoranda: | ||
| Average total assets | $155,562,400 | 3,621 |
| Average earning assets | $149,296,600 | 3,518 |
| Average equity | $13,509,000 | 4,167 |
| Average total loans | $112,855,400 | 3,190 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,788 |
| Cost of funding earning assets | 0.5177% | 3,589 |
| Net interest margin | 3.8318% | 2,533 |
| Noninterest income to average assets | 0.7508% | 2,365 |
| Noninterest expense to average assets | 2.4651% | 4,819 |
| Loan and lease loss provision to assets | 0.3861% | 801 |
| Net operating income to assets | 1.5702% | 796 |
| Return on assets (ROA) | 1.6388% | 741 |
| Pretax return on assets | 1.6388% | 1,247 |
| Return on Equity (ROE) | 18.9054% | 376 |
| Retained earnings to average equity (ytd only) | 18.9054% | 92 |
| Net charge-offs to loans | -0.0424% | 6,260 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7539% | 5,938 |
| Assets per employee ($millions) | 4.7086% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 2,564 |
| Loan loss allowance to noncurrent loans | 1,810.6195% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 4,961 |
| Noncurrent loans to loans | 0.0949% | 6,052 |
| Net loans and leases to total assets | 75.2952% | 1,103 |
| Net loans and leases to deposits | 83.5340% | 1,933 |
| Net loans and leases to core deposits | 88.0185% | 2,190 |
| Total domestic deposits to total assets | 90.1373% | 921 |
| Equity capital to assets | 9.0042% | 5,182 |
| Core capital (leverage) ratio | 9.3922% | 4,540 |
| Tier 1 risk-based capital ratio | 13.1424% | 5,020 |
| Total risk-based capital ratio | 14.4005% | 4,968 |
| Memoranda: | ||
| Average total assets | $155,391,750 | 3,660 |
| Average earning assets | $148,855,750 | 3,556 |
| Average equity | $13,470,250 | 4,222 |
| Average total loans | $110,078,000 | 3,266 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 3,107 |
| Cost of funding earning assets | 0.5319% | 3,580 |
| Net interest margin | 3.7310% | 2,840 |
| Noninterest income to average assets | 0.7027% | 2,621 |
| Noninterest expense to average assets | 2.3772% | 5,116 |
| Loan and lease loss provision to assets | 0.3861% | 824 |
| Net operating income to assets | 1.5149% | 877 |
| Return on assets (ROA) | 1.6178% | 795 |
| Pretax return on assets | 1.6178% | 1,311 |
| Return on Equity (ROE) | 18.9070% | 392 |
| Retained earnings to average equity (ytd only) | 18.9070% | 107 |
| Net charge-offs to loans | -0.1195% | 6,550 |
| Credit loss provision to net charge-offs | -468.7500% | 5,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5656% | 6,012 |
| Assets per employee ($millions) | 4.5414% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 2,853 |
| Loan loss allowance to noncurrent loans | 1,375.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 5,213 |
| Noncurrent loans to loans | 0.1222% | 6,019 |
| Net loans and leases to total assets | 72.9593% | 1,410 |
| Net loans and leases to deposits | 81.0200% | 2,174 |
| Net loans and leases to core deposits | 84.4414% | 2,501 |
| Total domestic deposits to total assets | 90.0510% | 997 |
| Equity capital to assets | 8.4115% | 5,860 |
| Core capital (leverage) ratio | 9.1254% | 4,791 |
| Tier 1 risk-based capital ratio | 12.8048% | 5,284 |
| Total risk-based capital ratio | 14.0644% | 5,208 |
| Memoranda: | ||
| Average total assets | $155,394,670 | 3,684 |
| Average earning assets | $148,913,330 | 3,578 |
| Average equity | $13,296,670 | 4,281 |
| Average total loans | $107,090,000 | 3,339 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 3,314 |
| Cost of funding earning assets | 0.5663% | 3,413 |
| Net interest margin | 3.6314% | 3,132 |
| Noninterest income to average assets | 0.5465% | 3,465 |
| Noninterest expense to average assets | 2.2940% | 5,442 |
| Loan and lease loss provision to assets | 0.3849% | 820 |
| Net operating income to assets | 1.3394% | 1,177 |
| Return on assets (ROA) | 1.3394% | 1,274 |
| Pretax return on assets | 1.3394% | 2,077 |
| Return on Equity (ROE) | 15.5230% | 674 |
| Retained earnings to average equity (ytd only) | 15.5230% | 312 |
| Net charge-offs to loans | -0.1045% | 6,465 |
| Credit loss provision to net charge-offs | -555.5556% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0881% | 5,948 |
| Assets per employee ($millions) | 5.2199% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 3,151 |
| Loan loss allowance to noncurrent loans | 831.5789% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 5,329 |
| Noncurrent loans to loans | 0.2003% | 5,899 |
| Net loans and leases to total assets | 65.5232% | 2,452 |
| Net loans and leases to deposits | 72.2530% | 3,153 |
| Net loans and leases to core deposits | 73.6169% | 3,626 |
| Total domestic deposits to total assets | 90.6857% | 675 |
| Equity capital to assets | 8.6955% | 5,814 |
| Core capital (leverage) ratio | 8.5900% | 5,456 |
| Tier 1 risk-based capital ratio | 13.3037% | 5,009 |
| Total risk-based capital ratio | 14.5650% | 4,955 |
| Memoranda: | ||
| Average total assets | $155,888,000 | 3,710 |
| Average earning assets | $149,034,000 | 3,612 |
| Average equity | $13,451,000 | 4,296 |
| Average total loans | $103,345,000 | 3,432 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 2,613 |
| Cost of funding earning assets | 0.7015% | 3,481 |
| Net interest margin | 3.9944% | 2,407 |
| Noninterest income to average assets | 0.6330% | 3,090 |
| Noninterest expense to average assets | 2.5671% | 4,875 |
| Loan and lease loss provision to assets | 0.6256% | 864 |
| Net operating income to assets | 1.2372% | 1,483 |
| Return on assets (ROA) | 1.2718% | 1,541 |
| Pretax return on assets | 1.2718% | 2,515 |
| Return on Equity (ROE) | 13.3734% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.3734% | 233 |
| Net charge-offs to loans | 0.8179% | 1,430 |
| Credit loss provision to net charge-offs | 107.3232% | 2,756 |
| Earnings coverage of net charge-offs (x) | 3.1957% | 3,838 |
| Efficiency ratio | 57.9498% | 5,840 |
| Assets per employee ($millions) | 5.1726% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,591 |
| Loan loss allowance to noncurrent loans | 683.4783% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 5,310 |
| Noncurrent loans to loans | 0.2247% | 5,917 |
| Net loans and leases to total assets | 64.9396% | 2,733 |
| Net loans and leases to deposits | 71.7320% | 3,454 |
| Net loans and leases to core deposits | 73.1000% | 3,909 |
| Total domestic deposits to total assets | 90.5309% | 691 |
| Equity capital to assets | 8.5611% | 6,000 |
| Core capital (leverage) ratio | 9.0296% | 4,848 |
| Tier 1 risk-based capital ratio | 12.8671% | 5,203 |
| Total risk-based capital ratio | 14.1047% | 5,153 |
| Memoranda: | ||
| Average total assets | $135,871,200 | 4,024 |
| Average earning assets | $129,157,200 | 3,920 |
| Average equity | $12,921,200 | 4,376 |
| Average total loans | $96,828,600 | 3,599 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 2,314 |
| Cost of funding earning assets | 0.7420% | 3,412 |
| Net interest margin | 4.0784% | 2,181 |
| Noninterest income to average assets | 0.7000% | 2,711 |
| Noninterest expense to average assets | 2.6291% | 4,641 |
| Loan and lease loss provision to assets | 0.7122% | 707 |
| Net operating income to assets | 1.2342% | 1,620 |
| Return on assets (ROA) | 1.2718% | 1,662 |
| Pretax return on assets | 1.2718% | 2,703 |
| Return on Equity (ROE) | 12.9898% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.9898% | 400 |
| Net charge-offs to loans | 0.5685% | 1,913 |
| Credit loss provision to net charge-offs | 171.9902% | 1,618 |
| Earnings coverage of net charge-offs (x) | 4.7003% | 3,229 |
| Efficiency ratio | 57.4605% | 5,861 |
| Assets per employee ($millions) | 4.7957% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 2,754 |
| Loan loss allowance to noncurrent loans | 363.5815% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 4,840 |
| Noncurrent loans to loans | 0.4989% | 5,445 |
| Net loans and leases to total assets | 70.3263% | 1,852 |
| Net loans and leases to deposits | 78.6179% | 2,577 |
| Net loans and leases to core deposits | 80.3138% | 3,166 |
| Total domestic deposits to total assets | 89.4532% | 1,156 |
| Equity capital to assets | 9.9068% | 4,639 |
| Core capital (leverage) ratio | 9.7194% | 3,924 |
| Tier 1 risk-based capital ratio | 13.7067% | 4,752 |
| Total risk-based capital ratio | 14.9491% | 4,707 |
| Memoranda: | ||
| Average total assets | $131,044,500 | 4,156 |
| Average earning assets | $124,522,000 | 4,054 |
| Average equity | $12,830,250 | 4,433 |
| Average total loans | $95,449,750 | 3,667 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 2,124 |
| Cost of funding earning assets | 0.7739% | 3,410 |
| Net interest margin | 4.1227% | 1,998 |
| Noninterest income to average assets | 0.6294% | 3,079 |
| Noninterest expense to average assets | 2.6689% | 4,541 |
| Loan and lease loss provision to assets | 0.8569% | 565 |
| Net operating income to assets | 1.0127% | 2,414 |
| Return on assets (ROA) | 1.0704% | 2,383 |
| Pretax return on assets | 1.0704% | 3,416 |
| Return on Equity (ROE) | 10.9794% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.9794% | 751 |
| Net charge-offs to loans | 0.5061% | 2,063 |
| Credit loss provision to net charge-offs | 231.0924% | 1,233 |
| Earnings coverage of net charge-offs (x) | 5.0420% | 2,920 |
| Efficiency ratio | 58.8054% | 5,755 |
| Assets per employee ($millions) | 4.8260% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 2,585 |
| Loan loss allowance to noncurrent loans | 323.7589% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 4,900 |
| Noncurrent loans to loans | 0.5844% | 5,339 |
| Net loans and leases to total assets | 72.6660% | 1,451 |
| Net loans and leases to deposits | 81.1641% | 2,209 |
| Net loans and leases to core deposits | 82.4360% | 2,911 |
| Total domestic deposits to total assets | 89.5298% | 1,206 |
| Equity capital to assets | 9.9675% | 4,384 |
| Core capital (leverage) ratio | 9.7474% | 3,780 |
| Tier 1 risk-based capital ratio | 13.5189% | 4,808 |
| Total risk-based capital ratio | 14.7604% | 4,772 |
| Memoranda: | ||
| Average total assets | $128,367,330 | 4,241 |
| Average earning assets | $121,715,670 | 4,131 |
| Average equity | $12,514,330 | 4,496 |
| Average total loans | $94,061,670 | 3,708 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9075% | 2,208 |
| Cost of funding earning assets | 0.8306% | 3,219 |
| Net interest margin | 4.0769% | 2,186 |
| Noninterest income to average assets | 0.5746% | 3,386 |
| Noninterest expense to average assets | 2.6123% | 4,773 |
| Loan and lease loss provision to assets | 0.9419% | 456 |
| Net operating income to assets | 0.8885% | 2,980 |
| Return on assets (ROA) | 0.9890% | 2,715 |
| Pretax return on assets | 0.9890% | 3,712 |
| Return on Equity (ROE) | 10.2627% | 2,316 |
| Retained earnings to average equity (ytd only) | 10.2627% | 1,206 |
| Net charge-offs to loans | 0.4567% | 1,954 |
| Credit loss provision to net charge-offs | 283.0189% | 1,035 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,357 |
| Efficiency ratio | 58.7986% | 5,804 |
| Assets per employee ($millions) | 4.9095% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 2,901 |
| Loan loss allowance to noncurrent loans | 243.3048% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 4,225 |
| Noncurrent loans to loans | 0.7504% | 5,161 |
| Net loans and leases to total assets | 71.9461% | 1,418 |
| Net loans and leases to deposits | 80.2518% | 2,172 |
| Net loans and leases to core deposits | 81.5343% | 2,891 |
| Total domestic deposits to total assets | 89.6504% | 1,269 |
| Equity capital to assets | 9.7535% | 4,451 |
| Core capital (leverage) ratio | 9.5157% | 4,027 |
| Tier 1 risk-based capital ratio | 13.4737% | 4,847 |
| Total risk-based capital ratio | 14.7111% | 4,846 |
| Memoranda: | ||
| Average total assets | $127,399,500 | 4,296 |
| Average earning assets | $120,875,500 | 4,180 |
| Average equity | $12,277,500 | 4,562 |
| Average total loans | $92,836,500 | 3,760 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 1,700 |
| Cost of funding earning assets | 0.9881% | 3,462 |
| Net interest margin | 4.3118% | 1,659 |
| Noninterest income to average assets | 0.4146% | 4,497 |
| Noninterest expense to average assets | 2.6112% | 5,050 |
| Loan and lease loss provision to assets | 1.4233% | 536 |
| Net operating income to assets | 0.4549% | 4,613 |
| Return on assets (ROA) | 0.4994% | 4,640 |
| Pretax return on assets | 0.4994% | 4,994 |
| Return on Equity (ROE) | 5.0686% | 4,356 |
| Retained earnings to average equity (ytd only) | 3.2984% | 3,877 |
| Net charge-offs to loans | 2.0697% | 652 |
| Credit loss provision to net charge-offs | 89.6838% | 4,013 |
| Earnings coverage of net charge-offs (x) | 1.1835% | 4,901 |
| Efficiency ratio | 58.1638% | 6,032 |
| Assets per employee ($millions) | 4.8905% | 2,332 |
| Cash dividends to net income (ytd only)* | 34.9259% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 3,404 |
| Loan loss allowance to noncurrent loans | 270.8408% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 4,541 |
| Noncurrent loans to loans | 0.6068% | 5,500 |
| Net loans and leases to total assets | 71.2643% | 1,774 |
| Net loans and leases to deposits | 79.3516% | 2,629 |
| Net loans and leases to core deposits | 80.6225% | 3,370 |
| Total domestic deposits to total assets | 89.8083% | 1,095 |
| Equity capital to assets | 9.5201% | 4,851 |
| Core capital (leverage) ratio | 9.4919% | 4,033 |
| Tier 1 risk-based capital ratio | 13.4149% | 4,759 |
| Total risk-based capital ratio | 14.6754% | 4,720 |
| Memoranda: | ||
| Average total assets | $121,552,600 | 4,356 |
| Average earning assets | $114,870,200 | 4,263 |
| Average equity | $11,975,600 | 4,558 |
| Average total loans | $93,202,400 | 3,781 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3683% | 1,610 |
| Cost of funding earning assets | 1.0119% | 3,598 |
| Net interest margin | 4.3564% | 1,546 |
| Noninterest income to average assets | 0.4572% | 4,243 |
| Noninterest expense to average assets | 2.5711% | 5,193 |
| Loan and lease loss provision to assets | 1.4981% | 464 |
| Net operating income to assets | 0.5060% | 4,527 |
| Return on assets (ROA) | 0.5659% | 4,412 |
| Pretax return on assets | 0.5659% | 4,913 |
| Return on Equity (ROE) | 5.6934% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.6934% | 2,751 |
| Net charge-offs to loans | 2.1339% | 576 |
| Credit loss provision to net charge-offs | 90.2406% | 3,763 |
| Earnings coverage of net charge-offs (x) | 1.2072% | 4,722 |
| Efficiency ratio | 56.1969% | 6,253 |
| Assets per employee ($millions) | 5.0975% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 3,465 |
| Loan loss allowance to noncurrent loans | 176.8623% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 4,466 |
| Noncurrent loans to loans | 0.9298% | 5,020 |
| Net loans and leases to total assets | 76.6094% | 892 |
| Net loans and leases to deposits | 85.6655% | 1,722 |
| Net loans and leases to core deposits | 87.0984% | 2,619 |
| Total domestic deposits to total assets | 89.4286% | 1,176 |
| Equity capital to assets | 10.0351% | 4,290 |
| Core capital (leverage) ratio | 9.8236% | 3,680 |
| Tier 1 risk-based capital ratio | 13.4693% | 4,757 |
| Total risk-based capital ratio | 14.7307% | 4,720 |
| Memoranda: | ||
| Average total assets | $120,152,750 | 4,422 |
| Average earning assets | $113,577,250 | 4,313 |
| Average equity | $11,943,250 | 4,583 |
| Average total loans | $93,471,000 | 3,803 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3673% | 1,659 |
| Cost of funding earning assets | 1.0351% | 3,702 |
| Net interest margin | 4.3322% | 1,561 |
| Noninterest income to average assets | 0.7201% | 2,438 |
| Noninterest expense to average assets | 2.5137% | 5,478 |
| Loan and lease loss provision to assets | 1.9259% | 332 |
| Net operating income to assets | 0.3668% | 5,101 |
| Return on assets (ROA) | 0.3668% | 5,241 |
| Pretax return on assets | 0.3668% | 5,497 |
| Return on Equity (ROE) | 3.7018% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.7018% | 3,859 |
| Net charge-offs to loans | 3.2305% | 299 |
| Credit loss provision to net charge-offs | 76.6667% | 3,868 |
| Earnings coverage of net charge-offs (x) | 0.9127% | 4,614 |
| Efficiency ratio | 52.2997% | 6,764 |
| Assets per employee ($millions) | 4.6305% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 4,288 |
| Loan loss allowance to noncurrent loans | 139.9384% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.8257% | 3,475 |
| Noncurrent loans to loans | 1.0447% | 4,908 |
| Net loans and leases to total assets | 76.3091% | 1,036 |
| Net loans and leases to deposits | 85.1389% | 1,924 |
| Net loans and leases to core deposits | 86.5832% | 2,810 |
| Total domestic deposits to total assets | 89.6289% | 1,172 |
| Equity capital to assets | 9.9483% | 4,224 |
| Core capital (leverage) ratio | 9.6272% | 3,772 |
| Tier 1 risk-based capital ratio | 13.1393% | 4,811 |
| Total risk-based capital ratio | 14.3963% | 4,786 |
| Memoranda: | ||
| Average total assets | $119,423,670 | 4,475 |
| Average earning assets | $112,644,330 | 4,364 |
| Average equity | $11,832,000 | 4,599 |
| Average total loans | $92,864,330 | 3,864 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 1,783 |
| Cost of funding earning assets | 1.0638% | 3,758 |
| Net interest margin | 4.2660% | 1,681 |
| Noninterest income to average assets | 1.2208% | 855 |
| Noninterest expense to average assets | 2.4987% | 5,560 |
| Loan and lease loss provision to assets | 1.5134% | 420 |
| Net operating income to assets | 1.2275% | 1,457 |
| Return on assets (ROA) | 1.2275% | 1,509 |
| Pretax return on assets | 1.2275% | 2,279 |
| Return on Equity (ROE) | 12.4155% | 1,349 |
| Retained earnings to average equity (ytd only) | 12.4155% | 675 |
| Net charge-offs to loans | 1.5537% | 870 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.2639% | 3,185 |
| Efficiency ratio | 47.6893% | 7,127 |
| Assets per employee ($millions) | 4.9354% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 2,557 |
| Loan loss allowance to noncurrent loans | 74.1060% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 3.2833% | 2,088 |
| Noncurrent loans to loans | 2.6227% | 2,876 |
| Net loans and leases to total assets | 76.7959% | 901 |
| Net loans and leases to deposits | 85.8880% | 1,753 |
| Net loans and leases to core deposits | 87.3730% | 2,685 |
| Total domestic deposits to total assets | 89.4140% | 1,525 |
| Equity capital to assets | 10.0896% | 3,658 |
| Core capital (leverage) ratio | 9.8192% | 3,364 |
| Tier 1 risk-based capital ratio | 13.0930% | 4,753 |
| Total risk-based capital ratio | 14.3566% | 4,716 |
| Memoranda: | ||
| Average total assets | $118,939,500 | 4,516 |
| Average earning assets | $112,050,000 | 4,404 |
| Average equity | $11,759,500 | 4,611 |
| Average total loans | $92,680,000 | 3,906 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 1,964 |
| Cost of funding earning assets | 1.5902% | 2,123 |
| Net interest margin | 3.9933% | 3,048 |
| Noninterest income to average assets | 0.6700% | 3,018 |
| Noninterest expense to average assets | 2.5697% | 5,544 |
| Loan and lease loss provision to assets | 1.4422% | 1,032 |
| Net operating income to assets | 0.3791% | 4,643 |
| Return on assets (ROA) | 0.4450% | 4,503 |
| Pretax return on assets | 0.4450% | 4,810 |
| Return on Equity (ROE) | 4.8511% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.8511% | 2,508 |
| Net charge-offs to loans | 1.3162% | 1,699 |
| Credit loss provision to net charge-offs | 142.1608% | 2,633 |
| Earnings coverage of net charge-offs (x) | 1.7953% | 4,373 |
| Efficiency ratio | 58.5210% | 6,278 |
| Assets per employee ($millions) | 4.9763% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8511% | 2,687 |
| Loan loss allowance to noncurrent loans | 68.4505% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 3.4296% | 2,037 |
| Noncurrent loans to loans | 2.7043% | 2,814 |
| Net loans and leases to total assets | 76.0939% | 1,254 |
| Net loans and leases to deposits | 84.7886% | 2,328 |
| Net loans and leases to core deposits | 86.4460% | 3,259 |
| Total domestic deposits to total assets | 89.7455% | 1,236 |
| Equity capital to assets | 9.6860% | 4,158 |
| Core capital (leverage) ratio | 9.4079% | 3,836 |
| Tier 1 risk-based capital ratio | 12.5498% | 4,979 |
| Total risk-based capital ratio | 13.8122% | 4,955 |
| Memoranda: | ||
| Average total assets | $121,339,400 | 4,458 |
| Average earning assets | $113,064,800 | 4,396 |
| Average equity | $11,131,600 | 4,834 |
| Average total loans | $93,527,200 | 3,967 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6113% | 2,024 |
| Cost of funding earning assets | 1.6895% | 1,928 |
| Net interest margin | 3.9218% | 3,440 |
| Noninterest income to average assets | 0.6600% | 3,072 |
| Noninterest expense to average assets | 2.5557% | 5,486 |
| Loan and lease loss provision to assets | 1.2992% | 1,070 |
| Net operating income to assets | 0.4509% | 4,533 |
| Return on assets (ROA) | 0.5385% | 4,311 |
| Pretax return on assets | 0.5385% | 4,799 |
| Return on Equity (ROE) | 5.9513% | 3,836 |
| Retained earnings to average equity (ytd only) | 5.9513% | 2,382 |
| Net charge-offs to loans | 1.2144% | 1,685 |
| Credit loss provision to net charge-offs | 138.9930% | 2,867 |
| Earnings coverage of net charge-offs (x) | 1.8724% | 4,304 |
| Efficiency ratio | 59.3543% | 6,053 |
| Assets per employee ($millions) | 5.0975% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 3,366 |
| Loan loss allowance to noncurrent loans | 46.8731% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 3.7077% | 1,917 |
| Noncurrent loans to loans | 3.5025% | 2,261 |
| Net loans and leases to total assets | 74.8772% | 1,603 |
| Net loans and leases to deposits | 83.1056% | 2,886 |
| Net loans and leases to core deposits | 84.6852% | 3,849 |
| Total domestic deposits to total assets | 90.0988% | 827 |
| Equity capital to assets | 9.5056% | 4,831 |
| Core capital (leverage) ratio | 9.2701% | 4,249 |
| Tier 1 risk-based capital ratio | 12.0764% | 5,383 |
| Total risk-based capital ratio | 13.3339% | 5,351 |
| Memoranda: | ||
| Average total assets | $121,816,750 | 4,511 |
| Average earning assets | $113,244,750 | 4,454 |
| Average equity | $11,022,500 | 4,917 |
| Average total loans | $93,760,750 | 4,024 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 1,957 |
| Cost of funding earning assets | 1.7855% | 1,704 |
| Net interest margin | 3.8615% | 3,629 |
| Noninterest income to average assets | 0.6840% | 2,791 |
| Noninterest expense to average assets | 2.5452% | 5,543 |
| Loan and lease loss provision to assets | 1.5817% | 830 |
| Net operating income to assets | 0.1414% | 5,746 |
| Return on assets (ROA) | 0.1414% | 5,860 |
| Pretax return on assets | 0.1414% | 5,900 |
| Return on Equity (ROE) | 1.5896% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.5896% | 5,066 |
| Net charge-offs to loans | 1.4430% | 1,323 |
| Credit loss provision to net charge-offs | 141.8879% | 2,811 |
| Earnings coverage of net charge-offs (x) | 1.5457% | 4,332 |
| Efficiency ratio | 59.6302% | 6,114 |
| Assets per employee ($millions) | 4.4686% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,558 |
| Loan loss allowance to noncurrent loans | 58.4287% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 4.1724% | 1,620 |
| Noncurrent loans to loans | 2.6966% | 2,953 |
| Net loans and leases to total assets | 76.6285% | 1,364 |
| Net loans and leases to deposits | 84.8629% | 2,730 |
| Net loans and leases to core deposits | 86.4968% | 3,765 |
| Total domestic deposits to total assets | 90.2968% | 769 |
| Equity capital to assets | 9.3385% | 4,950 |
| Core capital (leverage) ratio | 8.8194% | 4,881 |
| Tier 1 risk-based capital ratio | 11.4091% | 5,858 |
| Total risk-based capital ratio | 12.6656% | 5,828 |
| Memoranda: | ||
| Average total assets | $121,642,670 | 4,534 |
| Average earning assets | $112,909,000 | 4,483 |
| Average equity | $10,820,330 | 4,966 |
| Average total loans | $93,970,000 | 4,061 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 2,317 |
| Cost of funding earning assets | 1.8372% | 1,709 |
| Net interest margin | 3.7235% | 4,130 |
| Noninterest income to average assets | 0.6943% | 2,641 |
| Noninterest expense to average assets | 2.3383% | 6,286 |
| Loan and lease loss provision to assets | 0.7369% | 1,724 |
| Net operating income to assets | 1.0906% | 1,859 |
| Return on assets (ROA) | 1.0906% | 1,941 |
| Pretax return on assets | 1.0906% | 2,769 |
| Return on Equity (ROE) | 12.5696% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.5696% | 673 |
| Net charge-offs to loans | -0.0213% | 7,089 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1321% | 6,744 |
| Assets per employee ($millions) | 4.8015% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 3,931 |
| Loan loss allowance to noncurrent loans | 53.8286% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 3.0343% | 2,356 |
| Noncurrent loans to loans | 2.7771% | 2,878 |
| Net loans and leases to total assets | 74.5847% | 1,837 |
| Net loans and leases to deposits | 83.1065% | 3,089 |
| Net loans and leases to core deposits | 85.2367% | 4,001 |
| Total domestic deposits to total assets | 89.7459% | 1,116 |
| Equity capital to assets | 8.6384% | 5,819 |
| Core capital (leverage) ratio | 8.5472% | 5,294 |
| Tier 1 risk-based capital ratio | 11.0740% | 6,092 |
| Total risk-based capital ratio | 12.3246% | 6,057 |
| Memoranda: | ||
| Average total assets | $122,138,500 | 4,583 |
| Average earning assets | $113,870,000 | 4,521 |
| Average equity | $10,597,000 | 5,074 |
| Average total loans | $93,988,500 | 4,122 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 3,700 |
| Cost of funding earning assets | 2.2777% | 1,741 |
| Net interest margin | 3.3035% | 5,727 |
| Noninterest income to average assets | 0.5894% | 3,714 |
| Noninterest expense to average assets | 2.9650% | 4,280 |
| Loan and lease loss provision to assets | 1.6678% | 1,375 |
| Net operating income to assets | -0.9100% | 6,519 |
| Return on assets (ROA) | -0.9100% | 6,519 |
| Pretax return on assets | -0.9100% | 6,349 |
| Return on Equity (ROE) | -11.0052% | 6,695 |
| Retained earnings to average equity (ytd only) | -11.0052% | 6,596 |
| Net charge-offs to loans | 1.7710% | 1,414 |
| Credit loss provision to net charge-offs | 121.6898% | 4,364 |
| Earnings coverage of net charge-offs (x) | 0.5530% | 5,554 |
| Efficiency ratio | 79.6425% | 2,932 |
| Assets per employee ($millions) | 4.4237% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,960 |
| Loan loss allowance to noncurrent loans | 51.0134% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 2.7286% | 2,556 |
| Noncurrent loans to loans | 2.4814% | 3,065 |
| Net loans and leases to total assets | 77.2537% | 1,531 |
| Net loans and leases to deposits | 86.2064% | 2,876 |
| Net loans and leases to core deposits | 102.4801% | 3,748 |
| Total domestic deposits to total assets | 89.6148% | 1,149 |
| Equity capital to assets | 8.7157% | 5,564 |
| Core capital (leverage) ratio | 8.5388% | 5,220 |
| Tier 1 risk-based capital ratio | 10.9819% | 5,928 |
| Total risk-based capital ratio | 12.2423% | 5,892 |
| Memoranda: | ||
| Average total assets | $115,718,000 | 4,683 |
| Average earning assets | $109,762,200 | 4,572 |
| Average equity | $9,568,200 | 5,422 |
| Average total loans | $89,553,800 | 4,224 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5625% | 4,086 |
| Cost of funding earning assets | 2.3529% | 1,794 |
| Net interest margin | 3.2095% | 5,983 |
| Noninterest income to average assets | 0.5982% | 3,726 |
| Noninterest expense to average assets | 2.9236% | 4,351 |
| Loan and lease loss provision to assets | 0.7898% | 2,394 |
| Net operating income to assets | -0.0558% | 5,814 |
| Return on assets (ROA) | -0.0558% | 5,863 |
| Pretax return on assets | -0.0558% | 5,791 |
| Return on Equity (ROE) | -0.6839% | 5,882 |
| Retained earnings to average equity (ytd only) | -0.6839% | 5,400 |
| Net charge-offs to loans | 1.1846% | 1,712 |
| Credit loss provision to net charge-offs | 86.4041% | 5,580 |
| Earnings coverage of net charge-offs (x) | 0.8031% | 5,253 |
| Efficiency ratio | 79.9301% | 2,855 |
| Assets per employee ($millions) | 4.3875% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 7,078 |
| Loan loss allowance to noncurrent loans | 25.3463% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 2.7224% | 2,550 |
| Noncurrent loans to loans | 3.2077% | 2,358 |
| Net loans and leases to total assets | 75.3839% | 2,137 |
| Net loans and leases to deposits | 83.9052% | 3,662 |
| Net loans and leases to core deposits | 100.4432% | 4,328 |
| Total domestic deposits to total assets | 89.8441% | 829 |
| Equity capital to assets | 8.4330% | 6,340 |
| Core capital (leverage) ratio | 8.1856% | 6,043 |
| Tier 1 risk-based capital ratio | 10.5690% | 6,392 |
| Total risk-based capital ratio | 11.3929% | 6,782 |
| Memoranda: | ||
| Average total assets | $114,787,750 | 4,723 |
| Average earning assets | $109,421,000 | 4,612 |
| Average equity | $9,357,750 | 5,535 |
| Average total loans | $88,578,750 | 4,294 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6104% | 4,020 |
| Cost of funding earning assets | 2.4316% | 1,843 |
| Net interest margin | 3.1788% | 5,988 |
| Noninterest income to average assets | 0.5988% | 3,707 |
| Noninterest expense to average assets | 3.0697% | 3,817 |
| Loan and lease loss provision to assets | 1.1606% | 1,485 |
| Net operating income to assets | -0.5970% | 6,655 |
| Return on assets (ROA) | -0.5970% | 6,662 |
| Pretax return on assets | -0.5970% | 6,520 |
| Return on Equity (ROE) | -7.4123% | 6,841 |
| Retained earnings to average equity (ytd only) | -7.4123% | 6,607 |
| Net charge-offs to loans | 1.1806% | 1,546 |
| Credit loss provision to net charge-offs | 126.7308% | 3,666 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 5,095 |
| Efficiency ratio | 84.4886% | 2,419 |
| Assets per employee ($millions) | 4.1529% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,538 |
| Loan loss allowance to noncurrent loans | 39.5311% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 2.4174% | 2,682 |
| Noncurrent loans to loans | 2.8056% | 2,570 |
| Net loans and leases to total assets | 74.9948% | 2,434 |
| Net loans and leases to deposits | 83.2528% | 4,008 |
| Net loans and leases to core deposits | 101.8691% | 4,291 |
| Total domestic deposits to total assets | 90.0808% | 796 |
| Equity capital to assets | 8.2301% | 6,444 |
| Core capital (leverage) ratio | 8.0790% | 6,200 |
| Tier 1 risk-based capital ratio | 10.3757% | 6,504 |
| Total risk-based capital ratio | 11.4825% | 6,601 |
| Memoranda: | ||
| Average total assets | $113,562,670 | 4,783 |
| Average earning assets | $108,406,670 | 4,672 |
| Average equity | $9,147,000 | 5,634 |
| Average total loans | $88,093,670 | 4,334 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 3,866 |
| Cost of funding earning assets | 2.5257% | 1,819 |
| Net interest margin | 3.1627% | 5,975 |
| Noninterest income to average assets | 0.5098% | 4,233 |
| Noninterest expense to average assets | 2.6915% | 5,050 |
| Loan and lease loss provision to assets | 0.6025% | 2,093 |
| Net operating income to assets | 0.2424% | 5,515 |
| Return on assets (ROA) | 0.2424% | 5,681 |
| Pretax return on assets | 0.2424% | 5,841 |
| Return on Equity (ROE) | 3.0440% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.0440% | 4,183 |
| Net charge-offs to loans | 1.7536% | 828 |
| Credit loss provision to net charge-offs | 43.7824% | 4,767 |
| Earnings coverage of net charge-offs (x) | 0.6140% | 4,506 |
| Efficiency ratio | 76.1089% | 3,471 |
| Assets per employee ($millions) | 4.1132% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 7,441 |
| Loan loss allowance to noncurrent loans | 31.0534% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 1.7392% | 3,309 |
| Noncurrent loans to loans | 2.2508% | 2,929 |
| Net loans and leases to total assets | 76.7301% | 2,105 |
| Net loans and leases to deposits | 86.0275% | 3,625 |
| Net loans and leases to core deposits | 105.9605% | 3,923 |
| Total domestic deposits to total assets | 89.1925% | 1,145 |
| Equity capital to assets | 7.8015% | 7,071 |
| Core capital (leverage) ratio | 7.7685% | 6,791 |
| Tier 1 risk-based capital ratio | 9.6860% | 7,270 |
| Total risk-based capital ratio | 10.3956% | 7,709 |
| Memoranda: | ||
| Average total assets | $112,204,000 | 4,847 |
| Average earning assets | $107,377,000 | 4,706 |
| Average equity | $8,935,500 | 5,722 |
| Average total loans | $88,049,500 | 4,355 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9948% | 1,144 |
| Cost of funding earning assets | 3.3303% | 854 |
| Net interest margin | 3.6645% | 4,623 |
| Noninterest income to average assets | 0.5788% | 4,013 |
| Noninterest expense to average assets | 2.9921% | 4,101 |
| Loan and lease loss provision to assets | 0.2488% | 4,429 |
| Net operating income to assets | 0.8422% | 3,257 |
| Return on assets (ROA) | 0.8422% | 3,087 |
| Pretax return on assets | 0.8422% | 3,921 |
| Return on Equity (ROE) | 9.7203% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.7203% | 489 |
| Net charge-offs to loans | 0.0547% | 6,007 |
| Credit loss provision to net charge-offs | 543.1818% | 807 |
| Earnings coverage of net charge-offs (x) | 23.8182% | 1,400 |
| Efficiency ratio | 73.2789% | 3,696 |
| Assets per employee ($millions) | 4.3695% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,315 |
| Loan loss allowance to noncurrent loans | 41,950.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,658 |
| Noncurrent loans to loans | 0.0023% | 7,555 |
| Net loans and leases to total assets | 78.9725% | 1,892 |
| Net loans and leases to deposits | 89.0499% | 3,627 |
| Net loans and leases to core deposits | 110.7121% | 3,715 |
| Total domestic deposits to total assets | 88.6834% | 1,162 |
| Equity capital to assets | 8.1345% | 6,649 |
| Core capital (leverage) ratio | 8.2397% | 6,076 |
| Tier 1 risk-based capital ratio | 9.8003% | 6,959 |
| Total risk-based capital ratio | 10.7685% | 7,207 |
| Memoranda: | ||
| Average total assets | $96,054,400 | 5,170 |
| Average earning assets | $91,853,400 | 5,033 |
| Average equity | $8,322,800 | 5,971 |
| Average total loans | $80,505,600 | 4,502 |