Home > First Commercial Bank > Performance and Condition Ratios
First Commercial 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 | 5.0712% | 1,923 |
| Cost of funding earning assets | 0.8260% | 3,669 |
| Net interest margin | 4.2452% | 884 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.8636% | 1,356 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.7568% | 656 |
| Return on assets (ROA) | 1.7057% | 694 |
| Pretax return on assets | 1.7057% | 1,054 |
| Return on Equity (ROE) | 20.8400% | 543 |
| Retained earnings to average equity (ytd only) | 10.9542% | 800 |
| Net charge-offs to loans | 0.0071% | 2,412 |
| Credit loss provision to net charge-offs | 1,979.1667% | 230 |
| Earnings coverage of net charge-offs (x) | 395.2500% | 356 |
| Efficiency ratio | 60.6892% | 3,004 |
| Assets per employee ($millions) | 5.5368% | 3,215 |
| Cash dividends to net income (ytd only)* | 47.4340% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,467 |
| Loan loss allowance to noncurrent loans | 601.2771% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,321 |
| Noncurrent loans to loans | 0.2293% | 2,404 |
| Net loans and leases to total assets | 68.3400% | 1,992 |
| Net loans and leases to deposits | 76.2147% | 2,434 |
| Net loans and leases to core deposits | 85.0953% | 2,372 |
| Total domestic deposits to total assets | 89.6600% | 855 |
| Equity capital to assets | 9.2544% | 2,511 |
| Core capital (leverage) ratio | 9.6818% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9307% | 1,288 |
| Memoranda: | ||
| Average total assets | $512,916,200 | 1,701 |
| Average earning assets | $483,907,000 | 1,679 |
| Average equity | $41,983,800 | 1,814 |
| Average total loans | $338,440,400 | 1,652 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 1,907 |
| Cost of funding earning assets | 0.6899% | 3,784 |
| Net interest margin | 4.2741% | 831 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.7966% | 1,442 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.8938% | 567 |
| Return on assets (ROA) | 1.8264% | 627 |
| Pretax return on assets | 1.8264% | 972 |
| Return on Equity (ROE) | 23.0300% | 489 |
| Retained earnings to average equity (ytd only) | 13.2911% | 775 |
| Net charge-offs to loans | 0.0020% | 2,501 |
| Credit loss provision to net charge-offs | 5,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 1,526.4000% | 94 |
| Efficiency ratio | 58.6451% | 3,128 |
| Assets per employee ($millions) | 5.8129% | 2,917 |
| Cash dividends to net income (ytd only)* | 42.2833% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 1,766 |
| Loan loss allowance to noncurrent loans | 373.1245% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 2,079 |
| Noncurrent loans to loans | 0.3544% | 1,956 |
| Net loans and leases to total assets | 65.2800% | 2,312 |
| Net loans and leases to deposits | 73.6077% | 2,603 |
| Net loans and leases to core deposits | 80.5585% | 2,559 |
| Total domestic deposits to total assets | 88.6900% | 1,347 |
| Equity capital to assets | 8.1965% | 2,927 |
| Core capital (leverage) ratio | 9.1160% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5823% | 1,409 |
| Memoranda: | ||
| Average total assets | $517,952,250 | 1,689 |
| Average earning assets | $488,978,250 | 1,665 |
| Average equity | $41,079,000 | 1,829 |
| Average total loans | $337,686,000 | 1,653 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 1,781 |
| Cost of funding earning assets | 0.5553% | 3,870 |
| Net interest margin | 4.3358% | 765 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.7961% | 1,422 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.9323% | 530 |
| Return on assets (ROA) | 1.9323% | 526 |
| Pretax return on assets | 1.9323% | 828 |
| Return on Equity (ROE) | 24.6400% | 399 |
| Retained earnings to average equity (ytd only) | 15.0405% | 558 |
| Net charge-offs to loans | 0.0018% | 2,318 |
| Credit loss provision to net charge-offs | 9,166.6667% | 63 |
| Earnings coverage of net charge-offs (x) | 1,760.3333% | 77 |
| Efficiency ratio | 57.7006% | 3,220 |
| Assets per employee ($millions) | 5.6961% | 2,977 |
| Cash dividends to net income (ytd only)* | 38.9533% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 1,835 |
| Loan loss allowance to noncurrent loans | 1,600.3534% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,197 |
| Noncurrent loans to loans | 0.0826% | 3,099 |
| Net loans and leases to total assets | 68.2500% | 1,940 |
| Net loans and leases to deposits | 75.4188% | 2,371 |
| Net loans and leases to core deposits | 79.4664% | 2,513 |
| Total domestic deposits to total assets | 90.4900% | 784 |
| Equity capital to assets | 8.4916% | 2,871 |
| Core capital (leverage) ratio | 9.0629% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1724% | 1,518 |
| Memoranda: | ||
| Average total assets | $518,152,333 | 1,687 |
| Average earning assets | $489,092,667 | 1,663 |
| Average equity | $40,637,000 | 1,854 |
| Average total loans | $336,155,333 | 1,647 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 1,914 |
| Cost of funding earning assets | 0.3811% | 4,009 |
| Net interest margin | 4.2924% | 816 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.7689% | 1,509 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.8956% | 578 |
| Return on assets (ROA) | 1.8956% | 573 |
| Pretax return on assets | 1.8956% | 915 |
| Return on Equity (ROE) | 25.1400% | 397 |
| Retained earnings to average equity (ytd only) | 17.6275% | 549 |
| Net charge-offs to loans | 0.0012% | 2,009 |
| Credit loss provision to net charge-offs | 20,000.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 2,709.0000% | 28 |
| Efficiency ratio | 57.2953% | 3,270 |
| Assets per employee ($millions) | 6.1617% | 2,620 |
| Cash dividends to net income (ytd only)* | 29.8924% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 1,972 |
| Loan loss allowance to noncurrent loans | 1,234.3490% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,092 |
| Noncurrent loans to loans | 0.1064% | 2,999 |
| Net loans and leases to total assets | 65.4500% | 2,116 |
| Net loans and leases to deposits | 71.8779% | 2,479 |
| Net loans and leases to core deposits | 74.2386% | 2,660 |
| Total domestic deposits to total assets | 91.0600% | 782 |
| Equity capital to assets | 8.0930% | 3,176 |
| Core capital (leverage) ratio | 8.6603% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6874% | 1,729 |
| Memoranda: | ||
| Average total assets | $529,447,500 | 1,685 |
| Average earning assets | $500,607,000 | 1,650 |
| Average equity | $39,915,000 | 1,906 |
| Average total loans | $332,858,500 | 1,673 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 2,098 |
| Cost of funding earning assets | 0.1962% | 3,788 |
| Net interest margin | 3.6635% | 1,464 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.6824% | 1,598 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3395% | 1,313 |
| Return on assets (ROA) | 1.3395% | 1,272 |
| Pretax return on assets | 1.3395% | 1,959 |
| Return on Equity (ROE) | 18.8900% | 587 |
| Retained earnings to average equity (ytd only) | 12.9343% | 520 |
| Net charge-offs to loans | 0.0124% | 1,921 |
| Credit loss provision to net charge-offs | 2,229.7297% | 239 |
| Earnings coverage of net charge-offs (x) | 219.4324% | 611 |
| Efficiency ratio | 64.0500% | 2,480 |
| Assets per employee ($millions) | 6.3660% | 2,451 |
| Cash dividends to net income (ytd only)* | 31.5328% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,612 |
| Loan loss allowance to noncurrent loans | 288.7524% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 1,735 |
| Noncurrent loans to loans | 0.4738% | 1,515 |
| Net loans and leases to total assets | 58.8200% | 2,747 |
| Net loans and leases to deposits | 63.7468% | 3,061 |
| Net loans and leases to core deposits | 64.5130% | 3,235 |
| Total domestic deposits to total assets | 92.2800% | 566 |
| Equity capital to assets | 7.0215% | 3,653 |
| Core capital (leverage) ratio | 7.9067% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2072% | 1,893 |
| Memoranda: | ||
| Average total assets | $544,549,200 | 1,624 |
| Average earning assets | $515,678,000 | 1,588 |
| Average equity | $38,610,400 | 1,971 |
| Average total loans | $299,298,200 | 1,721 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 2,263 |
| Cost of funding earning assets | 0.1763% | 3,554 |
| Net interest margin | 3.4521% | 1,801 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.6587% | 1,568 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2447% | 1,540 |
| Return on assets (ROA) | 1.2447% | 1,514 |
| Pretax return on assets | 1.2447% | 2,220 |
| Return on Equity (ROE) | 17.5100% | 706 |
| Retained earnings to average equity (ytd only) | 11.9937% | 790 |
| Net charge-offs to loans | 0.0160% | 1,541 |
| Credit loss provision to net charge-offs | 1,071.4286% | 393 |
| Earnings coverage of net charge-offs (x) | 155.7714% | 730 |
| Efficiency ratio | 66.3046% | 2,240 |
| Assets per employee ($millions) | 6.1809% | 2,593 |
| Cash dividends to net income (ytd only)* | 31.5147% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,050 |
| Loan loss allowance to noncurrent loans | 332.7815% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 2,161 |
| Noncurrent loans to loans | 0.3892% | 1,840 |
| Net loans and leases to total assets | 55.0700% | 2,998 |
| Net loans and leases to deposits | 59.2818% | 3,261 |
| Net loans and leases to core deposits | 59.9715% | 3,388 |
| Total domestic deposits to total assets | 92.9000% | 608 |
| Equity capital to assets | 6.3834% | 3,799 |
| Core capital (leverage) ratio | 7.7611% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3622% | 1,918 |
| Memoranda: | ||
| Average total assets | $543,817,750 | 1,636 |
| Average earning assets | $514,884,250 | 1,607 |
| Average equity | $38,652,750 | 1,997 |
| Average total loans | $292,494,250 | 1,751 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 2,214 |
| Cost of funding earning assets | 0.1703% | 3,310 |
| Net interest margin | 3.3029% | 1,900 |
| Noninterest income to average assets | 0.7679% | 1,130 |
| Noninterest expense to average assets | 2.6413% | 1,521 |
| Loan and lease loss provision to assets | 0.0463% | 1,736 |
| Net operating income to assets | 1.2067% | 1,402 |
| Return on assets (ROA) | 1.2067% | 1,388 |
| Pretax return on assets | 1.2067% | 2,054 |
| Return on Equity (ROE) | 16.4029% | 646 |
| Retained earnings to average equity (ytd only) | 12.6246% | 511 |
| Net charge-offs to loans | 0.0209% | 1,315 |
| Credit loss provision to net charge-offs | 416.6667% | 689 |
| Earnings coverage of net charge-offs (x) | 112.7000% | 764 |
| Efficiency ratio | 67.5771% | 2,300 |
| Assets per employee ($millions) | 5.9214% | 2,817 |
| Cash dividends to net income (ytd only)* | 23.0344% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,373 |
| Loan loss allowance to noncurrent loans | 3,813.1313% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,828 |
| Noncurrent loans to loans | 0.0331% | 3,702 |
| Net loans and leases to total assets | 55.4748% | 2,808 |
| Net loans and leases to deposits | 60.1946% | 3,034 |
| Net loans and leases to core deposits | 60.9693% | 3,194 |
| Total domestic deposits to total assets | 92.1592% | 779 |
| Equity capital to assets | 7.2113% | 3,654 |
| Core capital (leverage) ratio | 7.5622% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5541% | 1,848 |
| Memoranda: | ||
| Average total assets | $539,662,667 | 1,654 |
| Average earning assets | $510,826,000 | 1,636 |
| Average equity | $39,700,333 | 2,010 |
| Average total loans | $286,530,333 | 1,772 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3639% | 2,200 |
| Cost of funding earning assets | 0.1681% | 3,243 |
| Net interest margin | 3.1958% | 1,895 |
| Noninterest income to average assets | 0.8478% | 935 |
| Noninterest expense to average assets | 2.6496% | 1,480 |
| Loan and lease loss provision to assets | 0.0552% | 1,393 |
| Net operating income to assets | 1.1683% | 1,333 |
| Return on assets (ROA) | 1.1683% | 1,330 |
| Pretax return on assets | 1.1683% | 1,925 |
| Return on Equity (ROE) | 15.7283% | 557 |
| Retained earnings to average equity (ytd only) | 15.7283% | 247 |
| Net charge-offs to loans | 0.0043% | 1,612 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 553.6667% | 181 |
| Efficiency ratio | 68.1628% | 2,485 |
| Assets per employee ($millions) | 6.1074% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,291 |
| Loan loss allowance to noncurrent loans | 2,821.0526% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,804 |
| Noncurrent loans to loans | 0.0465% | 3,643 |
| Net loans and leases to total assets | 50.7340% | 3,100 |
| Net loans and leases to deposits | 54.9446% | 3,348 |
| Net loans and leases to core deposits | 55.6210% | 3,478 |
| Total domestic deposits to total assets | 92.3366% | 459 |
| Equity capital to assets | 7.0710% | 4,179 |
| Core capital (leverage) ratio | 7.6561% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4918% | 1,993 |
| Memoranda: | ||
| Average total assets | $543,029,000 | 1,656 |
| Average earning assets | $514,048,000 | 1,638 |
| Average equity | $40,335,000 | 2,040 |
| Average total loans | $280,087,000 | 1,792 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 2,235 |
| Cost of funding earning assets | 0.1986% | 3,478 |
| Net interest margin | 3.4574% | 1,863 |
| Noninterest income to average assets | 0.6896% | 1,801 |
| Noninterest expense to average assets | 2.6760% | 1,697 |
| Loan and lease loss provision to assets | 0.0305% | 2,448 |
| Net operating income to assets | 1.2360% | 1,788 |
| Return on assets (ROA) | 1.2360% | 1,853 |
| Pretax return on assets | 1.2360% | 2,564 |
| Return on Equity (ROE) | 15.2225% | 902 |
| Retained earnings to average equity (ytd only) | 8.9684% | 1,215 |
| Net charge-offs to loans | 0.0034% | 2,493 |
| Credit loss provision to net charge-offs | 1,666.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 692.7778% | 212 |
| Efficiency ratio | 67.6146% | 2,040 |
| Assets per employee ($millions) | 5.9582% | 2,822 |
| Cash dividends to net income (ytd only)* | 41.0846% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 2,178 |
| Loan loss allowance to noncurrent loans | 169.5071% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,599 |
| Noncurrent loans to loans | 0.7910% | 1,286 |
| Net loans and leases to total assets | 51.0624% | 3,170 |
| Net loans and leases to deposits | 55.8344% | 3,436 |
| Net loans and leases to core deposits | 56.6449% | 3,572 |
| Total domestic deposits to total assets | 91.4532% | 332 |
| Equity capital to assets | 7.8017% | 4,468 |
| Core capital (leverage) ratio | 7.5974% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6451% | 1,999 |
| Memoranda: | ||
| Average total assets | $492,332,600 | 1,716 |
| Average earning assets | $463,205,200 | 1,706 |
| Average equity | $39,973,600 | 2,083 |
| Average total loans | $266,130,600 | 1,854 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 2,320 |
| Cost of funding earning assets | 0.2036% | 3,571 |
| Net interest margin | 3.4808% | 1,923 |
| Noninterest income to average assets | 0.6757% | 1,909 |
| Noninterest expense to average assets | 2.6503% | 1,707 |
| Loan and lease loss provision to assets | 0.0414% | 2,165 |
| Net operating income to assets | 1.2550% | 1,970 |
| Return on assets (ROA) | 1.2550% | 2,039 |
| Pretax return on assets | 1.2550% | 2,757 |
| Return on Equity (ROE) | 15.2933% | 1,091 |
| Retained earnings to average equity (ytd only) | 7.7224% | 2,140 |
| Net charge-offs to loans | 0.0030% | 2,238 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 782.5000% | 201 |
| Efficiency ratio | 66.8789% | 1,986 |
| Assets per employee ($millions) | 6.3035% | 2,419 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,944 |
| Loan loss allowance to noncurrent loans | 156.1917% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 1,697 |
| Noncurrent loans to loans | 0.9088% | 1,266 |
| Net loans and leases to total assets | 48.3077% | 3,601 |
| Net loans and leases to deposits | 52.7141% | 3,835 |
| Net loans and leases to core deposits | 53.4767% | 3,951 |
| Total domestic deposits to total assets | 91.6411% | 203 |
| Equity capital to assets | 7.6957% | 4,656 |
| Core capital (leverage) ratio | 7.1910% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8846% | 2,007 |
| Memoranda: | ||
| Average total assets | $482,845,000 | 1,758 |
| Average earning assets | $453,758,000 | 1,747 |
| Average equity | $39,624,250 | 2,121 |
| Average total loans | $264,049,500 | 1,890 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 2,166 |
| Cost of funding earning assets | 0.2102% | 3,651 |
| Net interest margin | 3.5522% | 1,707 |
| Noninterest income to average assets | 0.6908% | 1,845 |
| Noninterest expense to average assets | 2.7066% | 1,573 |
| Loan and lease loss provision to assets | 0.0428% | 2,153 |
| Net operating income to assets | 1.2677% | 1,963 |
| Return on assets (ROA) | 1.2677% | 2,037 |
| Pretax return on assets | 1.2677% | 2,716 |
| Return on Equity (ROE) | 15.0931% | 1,130 |
| Retained earnings to average equity (ytd only) | 7.4497% | 2,275 |
| Net charge-offs to loans | -0.0023% | 3,220 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0999% | 2,002 |
| Assets per employee ($millions) | 5.8308% | 2,784 |
| Cash dividends to net income (ytd only)* | 50.6415% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,224 |
| Loan loss allowance to noncurrent loans | 151.4975% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 1,678 |
| Noncurrent loans to loans | 0.8869% | 1,390 |
| Net loans and leases to total assets | 55.2539% | 2,987 |
| Net loans and leases to deposits | 60.6265% | 3,335 |
| Net loans and leases to core deposits | 61.4137% | 3,514 |
| Total domestic deposits to total assets | 91.1382% | 332 |
| Equity capital to assets | 8.2396% | 4,404 |
| Core capital (leverage) ratio | 7.6661% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5038% | 2,163 |
| Memoranda: | ||
| Average total assets | $467,295,667 | 1,793 |
| Average earning assets | $437,593,667 | 1,795 |
| Average equity | $39,249,667 | 2,126 |
| Average total loans | $265,576,333 | 1,898 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 2,613 |
| Cost of funding earning assets | 0.2202% | 3,722 |
| Net interest margin | 3.3884% | 2,141 |
| Noninterest income to average assets | 0.6894% | 1,900 |
| Noninterest expense to average assets | 2.7017% | 1,617 |
| Loan and lease loss provision to assets | 0.0218% | 2,495 |
| Net operating income to assets | 1.1304% | 2,386 |
| Return on assets (ROA) | 1.1304% | 2,461 |
| Pretax return on assets | 1.1304% | 3,041 |
| Return on Equity (ROE) | 13.3243% | 1,589 |
| Retained earnings to average equity (ytd only) | 5.6194% | 3,021 |
| Net charge-offs to loans | -0.0015% | 3,086 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8100% | 1,728 |
| Assets per employee ($millions) | 5.7609% | 2,832 |
| Cash dividends to net income (ytd only)* | 57.8258% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,286 |
| Loan loss allowance to noncurrent loans | 132.8241% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 1,665 |
| Noncurrent loans to loans | 1.0030% | 1,335 |
| Net loans and leases to total assets | 55.8899% | 3,050 |
| Net loans and leases to deposits | 61.3450% | 3,382 |
| Net loans and leases to core deposits | 62.1332% | 3,563 |
| Total domestic deposits to total assets | 91.1075% | 363 |
| Equity capital to assets | 8.2740% | 4,307 |
| Core capital (leverage) ratio | 7.9749% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9241% | 1,920 |
| Memoranda: | ||
| Average total assets | $458,966,000 | 1,814 |
| Average earning assets | $428,637,500 | 1,811 |
| Average equity | $38,936,500 | 2,131 |
| Average total loans | $262,841,500 | 1,907 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 2,809 |
| Cost of funding earning assets | 0.2966% | 4,168 |
| Net interest margin | 3.6778% | 1,880 |
| Noninterest income to average assets | 0.7987% | 1,536 |
| Noninterest expense to average assets | 2.9637% | 1,522 |
| Loan and lease loss provision to assets | 0.0615% | 3,602 |
| Net operating income to assets | 1.1892% | 1,586 |
| Return on assets (ROA) | 1.1892% | 1,699 |
| Pretax return on assets | 1.1892% | 2,365 |
| Return on Equity (ROE) | 13.0860% | 1,024 |
| Retained earnings to average equity (ytd only) | 6.9976% | 1,397 |
| Net charge-offs to loans | -0.1438% | 4,862 |
| Credit loss provision to net charge-offs | -75.0751% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0257% | 1,945 |
| Assets per employee ($millions) | 5.4407% | 2,904 |
| Cash dividends to net income (ytd only)* | 46.5261% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,110 |
| Loan loss allowance to noncurrent loans | 138.5127% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 1,841 |
| Noncurrent loans to loans | 0.9876% | 1,433 |
| Net loans and leases to total assets | 57.1963% | 3,178 |
| Net loans and leases to deposits | 63.1572% | 3,506 |
| Net loans and leases to core deposits | 64.0208% | 3,691 |
| Total domestic deposits to total assets | 90.5619% | 348 |
| Equity capital to assets | 8.6940% | 4,294 |
| Core capital (leverage) ratio | 8.2024% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3284% | 1,732 |
| Memoranda: | ||
| Average total assets | $406,653,600 | 1,840 |
| Average earning assets | $377,675,200 | 1,844 |
| Average equity | $36,955,400 | 2,136 |
| Average total loans | $231,503,800 | 2,025 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 2,868 |
| Cost of funding earning assets | 0.3166% | 4,236 |
| Net interest margin | 3.7219% | 1,874 |
| Noninterest income to average assets | 0.7661% | 1,605 |
| Noninterest expense to average assets | 2.9527% | 1,551 |
| Loan and lease loss provision to assets | 0.0504% | 3,720 |
| Net operating income to assets | 1.2161% | 1,590 |
| Return on assets (ROA) | 1.2161% | 1,713 |
| Pretax return on assets | 1.2161% | 2,340 |
| Return on Equity (ROE) | 13.2207% | 1,048 |
| Retained earnings to average equity (ytd only) | 5.0011% | 2,561 |
| Net charge-offs to loans | -0.1964% | 4,927 |
| Credit loss provision to net charge-offs | -45.3172% | 3,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6719% | 1,932 |
| Assets per employee ($millions) | 5.1268% | 3,084 |
| Cash dividends to net income (ytd only)* | 62.1719% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,653 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 1,645 |
| Noncurrent loans to loans | 1.2621% | 1,182 |
| Net loans and leases to total assets | 55.4276% | 3,668 |
| Net loans and leases to deposits | 61.3636% | 3,965 |
| Net loans and leases to core deposits | 62.1089% | 4,100 |
| Total domestic deposits to total assets | 90.3265% | 324 |
| Equity capital to assets | 8.7168% | 4,316 |
| Core capital (leverage) ratio | 8.1175% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6597% | 1,608 |
| Memoranda: | ||
| Average total assets | $396,782,750 | 1,854 |
| Average earning assets | $368,118,000 | 1,853 |
| Average equity | $36,497,500 | 2,139 |
| Average total loans | $224,701,500 | 2,070 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 2,678 |
| Cost of funding earning assets | 0.3449% | 4,292 |
| Net interest margin | 3.8813% | 1,613 |
| Noninterest income to average assets | 0.7912% | 1,461 |
| Noninterest expense to average assets | 3.0548% | 1,448 |
| Loan and lease loss provision to assets | 0.0519% | 3,656 |
| Net operating income to assets | 1.2753% | 1,419 |
| Return on assets (ROA) | 1.2753% | 1,538 |
| Pretax return on assets | 1.2753% | 2,108 |
| Return on Equity (ROE) | 13.5988% | 955 |
| Retained earnings to average equity (ytd only) | 5.3001% | 2,349 |
| Net charge-offs to loans | -0.2842% | 4,976 |
| Credit loss provision to net charge-offs | -32.1543% | 3,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4056% | 2,033 |
| Assets per employee ($millions) | 4.9807% | 3,192 |
| Cash dividends to net income (ytd only)* | 61.0252% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,473 |
| Loan loss allowance to noncurrent loans | 106.9546% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 1,627 |
| Noncurrent loans to loans | 1.3388% | 1,148 |
| Net loans and leases to total assets | 56.0827% | 3,677 |
| Net loans and leases to deposits | 62.2503% | 3,996 |
| Net loans and leases to core deposits | 63.0310% | 4,125 |
| Total domestic deposits to total assets | 90.0923% | 378 |
| Equity capital to assets | 8.9699% | 4,116 |
| Core capital (leverage) ratio | 8.5391% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5743% | 1,610 |
| Memoranda: | ||
| Average total assets | $385,493,000 | 1,865 |
| Average earning assets | $356,637,000 | 1,869 |
| Average equity | $36,150,333 | 2,149 |
| Average total loans | $218,889,333 | 2,092 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 2,460 |
| Cost of funding earning assets | 0.3897% | 4,396 |
| Net interest margin | 4.0549% | 1,236 |
| Noninterest income to average assets | 0.8107% | 1,280 |
| Noninterest expense to average assets | 3.0748% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4771% | 825 |
| Return on assets (ROA) | 1.4771% | 901 |
| Pretax return on assets | 1.4771% | 1,364 |
| Return on Equity (ROE) | 15.3790% | 504 |
| Retained earnings to average equity (ytd only) | 6.9721% | 1,546 |
| Net charge-offs to loans | -0.5865% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2422% | 2,782 |
| Assets per employee ($millions) | 4.7220% | 2,964 |
| Cash dividends to net income (ytd only)* | 54.6647% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 1,166 |
| Loan loss allowance to noncurrent loans | 395.3995% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 3,610 |
| Noncurrent loans to loans | 0.3946% | 3,070 |
| Net loans and leases to total assets | 53.8696% | 3,997 |
| Net loans and leases to deposits | 59.9584% | 4,199 |
| Net loans and leases to core deposits | 60.7282% | 4,326 |
| Total domestic deposits to total assets | 89.8448% | 374 |
| Equity capital to assets | 9.4255% | 4,292 |
| Core capital (leverage) ratio | 9.2945% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8179% | 1,653 |
| Memoranda: | ||
| Average total assets | $371,542,000 | 1,885 |
| Average earning assets | $342,792,500 | 1,878 |
| Average equity | $35,685,000 | 2,164 |
| Average total loans | $210,728,500 | 2,118 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 2,078 |
| Cost of funding earning assets | 0.3647% | 4,554 |
| Net interest margin | 4.4239% | 851 |
| Noninterest income to average assets | 0.9125% | 1,154 |
| Noninterest expense to average assets | 3.3709% | 1,164 |
| Loan and lease loss provision to assets | 0.2192% | 889 |
| Net operating income to assets | 1.3924% | 1,366 |
| Return on assets (ROA) | 1.3924% | 1,437 |
| Pretax return on assets | 1.3924% | 2,189 |
| Return on Equity (ROE) | 14.1236% | 877 |
| Retained earnings to average equity (ytd only) | 5.2296% | 2,298 |
| Net charge-offs to loans | -0.0534% | 4,834 |
| Credit loss provision to net charge-offs | -675.6757% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3550% | 2,552 |
| Assets per employee ($millions) | 4.3975% | 3,376 |
| Cash dividends to net income (ytd only)* | 62.9723% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,546 |
| Loan loss allowance to noncurrent loans | 142.0269% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 2,162 |
| Noncurrent loans to loans | 0.9814% | 1,552 |
| Net loans and leases to total assets | 58.0121% | 3,766 |
| Net loans and leases to deposits | 64.8449% | 4,018 |
| Net loans and leases to core deposits | 65.6250% | 4,206 |
| Total domestic deposits to total assets | 89.4628% | 502 |
| Equity capital to assets | 9.7945% | 4,103 |
| Core capital (leverage) ratio | 9.1936% | 4,365 |
| Tier 1 risk-based capital ratio | 13.8886% | 3,319 |
| Total risk-based capital ratio | 15.1384% | 3,230 |
| Memoranda: | ||
| Average total assets | $342,137,800 | 1,938 |
| Average earning assets | $314,764,200 | 1,944 |
| Average equity | $33,730,800 | 2,199 |
| Average total loans | $207,999,000 | 2,103 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 2,040 |
| Cost of funding earning assets | 0.3515% | 4,650 |
| Net interest margin | 4.4760% | 810 |
| Noninterest income to average assets | 0.9042% | 1,131 |
| Noninterest expense to average assets | 3.3668% | 1,149 |
| Loan and lease loss provision to assets | 0.2963% | 503 |
| Net operating income to assets | 1.3506% | 1,640 |
| Return on assets (ROA) | 1.3506% | 1,708 |
| Pretax return on assets | 1.3506% | 2,491 |
| Return on Equity (ROE) | 13.6755% | 1,059 |
| Retained earnings to average equity (ytd only) | 4.6758% | 3,068 |
| Net charge-offs to loans | -0.0651% | 4,894 |
| Credit loss provision to net charge-offs | -742.5743% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8453% | 2,607 |
| Assets per employee ($millions) | 4.1495% | 3,689 |
| Cash dividends to net income (ytd only)* | 65.8089% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,472 |
| Loan loss allowance to noncurrent loans | 139.4040% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 2,207 |
| Noncurrent loans to loans | 1.0251% | 1,564 |
| Net loans and leases to total assets | 57.6358% | 3,911 |
| Net loans and leases to deposits | 64.4505% | 4,149 |
| Net loans and leases to core deposits | 65.2421% | 4,314 |
| Total domestic deposits to total assets | 89.4264% | 469 |
| Equity capital to assets | 9.8087% | 4,204 |
| Core capital (leverage) ratio | 9.2581% | 4,420 |
| Tier 1 risk-based capital ratio | 14.0725% | 3,291 |
| Total risk-based capital ratio | 15.3232% | 3,198 |
| Memoranda: | ||
| Average total assets | $337,522,500 | 1,966 |
| Average earning assets | $309,882,000 | 1,975 |
| Average equity | $33,333,750 | 2,235 |
| Average total loans | $206,961,750 | 2,129 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 2,708 |
| Cost of funding earning assets | 0.3400% | 4,717 |
| Net interest margin | 4.2489% | 1,240 |
| Noninterest income to average assets | 0.9132% | 1,052 |
| Noninterest expense to average assets | 3.3454% | 1,204 |
| Loan and lease loss provision to assets | 0.2707% | 557 |
| Net operating income to assets | 1.1917% | 2,178 |
| Return on assets (ROA) | 1.1917% | 2,239 |
| Pretax return on assets | 1.1917% | 2,932 |
| Return on Equity (ROE) | 12.0378% | 1,564 |
| Retained earnings to average equity (ytd only) | 2.9229% | 3,753 |
| Net charge-offs to loans | -0.1371% | 5,064 |
| Credit loss provision to net charge-offs | -316.9014% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2568% | 2,339 |
| Assets per employee ($millions) | 4.1750% | 3,612 |
| Cash dividends to net income (ytd only)* | 75.7193% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,049 |
| Loan loss allowance to noncurrent loans | 114.5354% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 1,977 |
| Noncurrent loans to loans | 1.1285% | 1,443 |
| Net loans and leases to total assets | 60.6789% | 3,679 |
| Net loans and leases to deposits | 67.8678% | 3,977 |
| Net loans and leases to core deposits | 68.7346% | 4,175 |
| Total domestic deposits to total assets | 89.4076% | 505 |
| Equity capital to assets | 10.0001% | 3,977 |
| Core capital (leverage) ratio | 9.3651% | 4,291 |
| Tier 1 risk-based capital ratio | 13.6545% | 3,508 |
| Total risk-based capital ratio | 14.8414% | 3,426 |
| Memoranda: | ||
| Average total assets | $332,460,670 | 1,994 |
| Average earning assets | $304,736,670 | 2,009 |
| Average equity | $32,913,000 | 2,253 |
| Average total loans | $207,204,670 | 2,137 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4224% | 3,140 |
| Cost of funding earning assets | 0.3330% | 4,734 |
| Net interest margin | 4.0895% | 1,576 |
| Noninterest income to average assets | 0.8713% | 1,113 |
| Noninterest expense to average assets | 3.2609% | 1,365 |
| Loan and lease loss provision to assets | 0.3034% | 421 |
| Net operating income to assets | 1.0631% | 2,609 |
| Return on assets (ROA) | 1.0631% | 2,659 |
| Pretax return on assets | 1.0631% | 3,261 |
| Return on Equity (ROE) | 10.7947% | 2,026 |
| Retained earnings to average equity (ytd only) | 1.5527% | 4,187 |
| Net charge-offs to loans | -0.0232% | 4,551 |
| Credit loss provision to net charge-offs | -2,083.3333% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1285% | 2,318 |
| Assets per employee ($millions) | 4.1362% | 3,710 |
| Cash dividends to net income (ytd only)* | 85.6164% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,933 |
| Loan loss allowance to noncurrent loans | 412.0629% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,957 |
| Noncurrent loans to loans | 0.2757% | 3,578 |
| Net loans and leases to total assets | 61.9968% | 3,503 |
| Net loans and leases to deposits | 69.3116% | 3,826 |
| Net loans and leases to core deposits | 70.2162% | 4,075 |
| Total domestic deposits to total assets | 89.4465% | 667 |
| Equity capital to assets | 9.9324% | 3,888 |
| Core capital (leverage) ratio | 9.4325% | 4,224 |
| Tier 1 risk-based capital ratio | 13.8570% | 3,418 |
| Total risk-based capital ratio | 14.9264% | 3,417 |
| Memoranda: | ||
| Average total assets | $329,603,500 | 2,023 |
| Average earning assets | $302,728,500 | 2,034 |
| Average equity | $32,460,500 | 2,276 |
| Average total loans | $206,863,000 | 2,161 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 3,125 |
| Cost of funding earning assets | 0.1632% | 5,137 |
| Net interest margin | 4.1336% | 1,577 |
| Noninterest income to average assets | 0.9798% | 985 |
| Noninterest expense to average assets | 3.2795% | 1,373 |
| Loan and lease loss provision to assets | 0.2197% | 820 |
| Net operating income to assets | 1.2564% | 1,955 |
| Return on assets (ROA) | 1.2539% | 1,960 |
| Pretax return on assets | 1.2539% | 2,681 |
| Return on Equity (ROE) | 12.5017% | 1,548 |
| Retained earnings to average equity (ytd only) | -5.8831% | 5,263 |
| Net charge-offs to loans | 0.2945% | 660 |
| Credit loss provision to net charge-offs | 132.6531% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.9109% | 2,851 |
| Efficiency ratio | 68.6313% | 2,444 |
| Assets per employee ($millions) | 4.2091% | 3,603 |
| Cash dividends to net income (ytd only)* | 147.0588% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,581 |
| Loan loss allowance to noncurrent loans | 173.5099% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 3,081 |
| Noncurrent loans to loans | 0.5858% | 2,535 |
| Net loans and leases to total assets | 62.1752% | 3,545 |
| Net loans and leases to deposits | 69.4301% | 3,867 |
| Net loans and leases to core deposits | 70.2540% | 4,104 |
| Total domestic deposits to total assets | 89.5508% | 640 |
| Equity capital to assets | 9.7636% | 3,891 |
| Core capital (leverage) ratio | 9.4143% | 4,221 |
| Tier 1 risk-based capital ratio | 13.6780% | 3,451 |
| Total risk-based capital ratio | 14.6225% | 3,514 |
| Memoranda: | ||
| Average total assets | $325,381,800 | 2,021 |
| Average earning assets | $297,224,400 | 2,037 |
| Average equity | $32,635,600 | 2,177 |
| Average total loans | $182,999,600 | 2,309 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 3,337 |
| Cost of funding earning assets | 0.1247% | 5,290 |
| Net interest margin | 4.0720% | 1,714 |
| Noninterest income to average assets | 0.9692% | 1,015 |
| Noninterest expense to average assets | 3.1935% | 1,539 |
| Loan and lease loss provision to assets | 0.1499% | 1,312 |
| Net operating income to assets | 1.3397% | 1,707 |
| Return on assets (ROA) | 1.3364% | 1,728 |
| Pretax return on assets | 1.3364% | 2,481 |
| Return on Equity (ROE) | 13.2351% | 1,347 |
| Retained earnings to average equity (ytd only) | -8.1184% | 5,365 |
| Net charge-offs to loans | -0.0226% | 4,665 |
| Credit loss provision to net charge-offs | -1,216.6667% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8506% | 2,564 |
| Assets per employee ($millions) | 4.2163% | 3,551 |
| Cash dividends to net income (ytd only)* | 161.3399% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,692 |
| Loan loss allowance to noncurrent loans | 124.6634% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,471 |
| Noncurrent loans to loans | 0.9526% | 1,787 |
| Net loans and leases to total assets | 59.3352% | 3,917 |
| Net loans and leases to deposits | 66.2946% | 4,176 |
| Net loans and leases to core deposits | 67.0922% | 4,350 |
| Total domestic deposits to total assets | 89.5023% | 674 |
| Equity capital to assets | 9.7055% | 3,913 |
| Core capital (leverage) ratio | 9.5541% | 4,108 |
| Tier 1 risk-based capital ratio | 14.0849% | 3,331 |
| Total risk-based capital ratio | 15.1583% | 3,325 |
| Memoranda: | ||
| Average total assets | $324,649,500 | 2,030 |
| Average earning assets | $296,092,500 | 2,054 |
| Average equity | $32,780,750 | 2,173 |
| Average total loans | $177,193,500 | 2,367 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,512 |
| Cost of funding earning assets | 0.1163% | 5,358 |
| Net interest margin | 3.9682% | 1,972 |
| Noninterest income to average assets | 0.9727% | 1,007 |
| Noninterest expense to average assets | 3.1388% | 1,694 |
| Loan and lease loss provision to assets | 0.0616% | 2,671 |
| Net operating income to assets | 1.3873% | 1,485 |
| Return on assets (ROA) | 1.3824% | 1,502 |
| Pretax return on assets | 1.3824% | 2,211 |
| Return on Equity (ROE) | 13.5162% | 1,204 |
| Retained earnings to average equity (ytd only) | -13.5885% | 5,460 |
| Net charge-offs to loans | -0.0315% | 4,757 |
| Credit loss provision to net charge-offs | -370.3704% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0677% | 2,635 |
| Assets per employee ($millions) | 4.0483% | 3,819 |
| Cash dividends to net income (ytd only)* | 200.5348% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 3,109 |
| Loan loss allowance to noncurrent loans | 275.1344% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 3,840 |
| Noncurrent loans to loans | 0.4099% | 3,228 |
| Net loans and leases to total assets | 56.1164% | 4,154 |
| Net loans and leases to deposits | 62.6695% | 4,378 |
| Net loans and leases to core deposits | 63.4138% | 4,526 |
| Total domestic deposits to total assets | 89.5433% | 726 |
| Equity capital to assets | 9.7810% | 3,838 |
| Core capital (leverage) ratio | 9.4601% | 4,161 |
| Tier 1 risk-based capital ratio | 14.3302% | 3,191 |
| Total risk-based capital ratio | 15.3070% | 3,250 |
| Memoranda: | ||
| Average total assets | $324,648,670 | 2,035 |
| Average earning assets | $295,753,330 | 2,065 |
| Average equity | $33,204,670 | 2,158 |
| Average total loans | $171,275,330 | 2,446 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,719 |
| Cost of funding earning assets | 0.1113% | 5,426 |
| Net interest margin | 3.8596% | 2,197 |
| Noninterest income to average assets | 0.9576% | 1,006 |
| Noninterest expense to average assets | 3.0917% | 1,848 |
| Loan and lease loss provision to assets | 0.0611% | 2,555 |
| Net operating income to assets | 1.3245% | 1,565 |
| Return on assets (ROA) | 1.3245% | 1,570 |
| Pretax return on assets | 1.3245% | 2,274 |
| Return on Equity (ROE) | 12.6791% | 1,358 |
| Retained earnings to average equity (ytd only) | 7.2703% | 2,158 |
| Net charge-offs to loans | -0.0265% | 4,685 |
| Credit loss provision to net charge-offs | -454.5455% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6971% | 2,718 |
| Assets per employee ($millions) | 4.4110% | 3,305 |
| Cash dividends to net income (ytd only)* | 42.6593% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,992 |
| Loan loss allowance to noncurrent loans | 254.6272% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 3,931 |
| Noncurrent loans to loans | 0.4583% | 3,159 |
| Net loans and leases to total assets | 50.7155% | 4,515 |
| Net loans and leases to deposits | 56.9572% | 4,647 |
| Net loans and leases to core deposits | 57.6801% | 4,769 |
| Total domestic deposits to total assets | 89.0414% | 1,072 |
| Equity capital to assets | 10.3413% | 3,227 |
| Core capital (leverage) ratio | 10.3345% | 3,140 |
| Tier 1 risk-based capital ratio | 16.0652% | 2,440 |
| Total risk-based capital ratio | 17.0314% | 2,513 |
| Memoranda: | ||
| Average total assets | $327,066,000 | 2,036 |
| Average earning assets | $298,265,500 | 2,073 |
| Average equity | $34,166,500 | 2,136 |
| Average total loans | $166,155,500 | 2,514 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,332 |
| Cost of funding earning assets | 0.1064% | 5,473 |
| Net interest margin | 3.5952% | 3,188 |
| Noninterest income to average assets | 0.9046% | 1,253 |
| Noninterest expense to average assets | 3.1229% | 1,789 |
| Loan and lease loss provision to assets | 0.0580% | 3,074 |
| Net operating income to assets | 1.0020% | 2,231 |
| Return on assets (ROA) | 1.0020% | 2,269 |
| Pretax return on assets | 1.0020% | 3,557 |
| Return on Equity (ROE) | 9.5789% | 2,062 |
| Retained earnings to average equity (ytd only) | 1.9928% | 4,127 |
| Net charge-offs to loans | 0.0310% | 3,181 |
| Credit loss provision to net charge-offs | 395.8333% | 765 |
| Earnings coverage of net charge-offs (x) | 72.3542% | 830 |
| Efficiency ratio | 74.2868% | 1,857 |
| Assets per employee ($millions) | 4.2540% | 3,571 |
| Cash dividends to net income (ytd only)* | 79.1959% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,892 |
| Loan loss allowance to noncurrent loans | 240.6015% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 3,907 |
| Noncurrent loans to loans | 0.4909% | 3,047 |
| Net loans and leases to total assets | 49.6836% | 4,668 |
| Net loans and leases to deposits | 55.9888% | 4,799 |
| Net loans and leases to core deposits | 56.6381% | 4,902 |
| Total domestic deposits to total assets | 88.7385% | 1,123 |
| Equity capital to assets | 10.5538% | 3,106 |
| Core capital (leverage) ratio | 10.1966% | 3,196 |
| Tier 1 risk-based capital ratio | 16.4050% | 2,300 |
| Total risk-based capital ratio | 17.3767% | 2,330 |
| Memoranda: | ||
| Average total assets | $327,640,600 | 2,024 |
| Average earning assets | $298,759,000 | 2,047 |
| Average equity | $34,273,200 | 2,121 |
| Average total loans | $154,975,000 | 2,601 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 4,509 |
| Cost of funding earning assets | 0.1063% | 5,534 |
| Net interest margin | 3.5162% | 3,443 |
| Noninterest income to average assets | 0.8870% | 1,312 |
| Noninterest expense to average assets | 3.0838% | 1,847 |
| Loan and lease loss provision to assets | 0.0608% | 2,862 |
| Net operating income to assets | 0.9503% | 2,775 |
| Return on assets (ROA) | 0.9503% | 2,841 |
| Pretax return on assets | 0.9503% | 3,868 |
| Return on Equity (ROE) | 9.1047% | 2,551 |
| Retained earnings to average equity (ytd only) | 2.4986% | 4,401 |
| Net charge-offs to loans | 0.0549% | 2,355 |
| Credit loss provision to net charge-offs | 238.0952% | 1,176 |
| Earnings coverage of net charge-offs (x) | 39.5705% | 1,309 |
| Efficiency ratio | 74.9208% | 1,756 |
| Assets per employee ($millions) | 4.1064% | 3,814 |
| Cash dividends to net income (ytd only)* | 72.5566% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 3,040 |
| Loan loss allowance to noncurrent loans | 229.1155% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 4,054 |
| Noncurrent loans to loans | 0.5150% | 3,159 |
| Net loans and leases to total assets | 48.1454% | 4,815 |
| Net loans and leases to deposits | 54.3426% | 4,946 |
| Net loans and leases to core deposits | 54.9653% | 5,044 |
| Total domestic deposits to total assets | 88.5960% | 1,071 |
| Equity capital to assets | 10.7064% | 3,158 |
| Core capital (leverage) ratio | 10.2807% | 3,224 |
| Tier 1 risk-based capital ratio | 16.8654% | 2,195 |
| Total risk-based capital ratio | 17.8369% | 2,246 |
| Memoranda: | ||
| Average total assets | $328,724,750 | 2,032 |
| Average earning assets | $299,903,500 | 2,056 |
| Average equity | $34,311,250 | 2,131 |
| Average total loans | $153,081,500 | 2,636 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 4,652 |
| Cost of funding earning assets | 0.1044% | 5,588 |
| Net interest margin | 3.4367% | 3,640 |
| Noninterest income to average assets | 0.9014% | 1,270 |
| Noninterest expense to average assets | 3.0894% | 1,860 |
| Loan and lease loss provision to assets | 0.0424% | 3,152 |
| Net operating income to assets | 0.9008% | 2,909 |
| Return on assets (ROA) | 0.9008% | 2,963 |
| Pretax return on assets | 0.9008% | 3,933 |
| Return on Equity (ROE) | 8.7033% | 2,666 |
| Retained earnings to average equity (ytd only) | 2.8504% | 4,014 |
| Net charge-offs to loans | 0.1057% | 1,572 |
| Credit loss provision to net charge-offs | 87.5000% | 2,172 |
| Earnings coverage of net charge-offs (x) | 19.4625% | 1,831 |
| Efficiency ratio | 76.2205% | 1,686 |
| Assets per employee ($millions) | 3.9418% | 4,059 |
| Cash dividends to net income (ytd only)* | 67.2495% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,274 |
| Loan loss allowance to noncurrent loans | 210.4762% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 4,072 |
| Noncurrent loans to loans | 0.5495% | 3,098 |
| Net loans and leases to total assets | 47.3276% | 4,864 |
| Net loans and leases to deposits | 53.4617% | 4,994 |
| Net loans and leases to core deposits | 54.1473% | 5,082 |
| Total domestic deposits to total assets | 88.5262% | 1,189 |
| Equity capital to assets | 10.8408% | 2,980 |
| Core capital (leverage) ratio | 10.0568% | 3,460 |
| Tier 1 risk-based capital ratio | 17.3295% | 2,056 |
| Total risk-based capital ratio | 18.2812% | 2,101 |
| Memoranda: | ||
| Average total assets | $330,165,330 | 2,021 |
| Average earning assets | $300,809,670 | 2,051 |
| Average equity | $34,171,000 | 2,132 |
| Average total loans | $151,425,330 | 2,669 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 4,875 |
| Cost of funding earning assets | 0.1034% | 5,638 |
| Net interest margin | 3.3262% | 3,926 |
| Noninterest income to average assets | 0.8868% | 1,287 |
| Noninterest expense to average assets | 2.9642% | 2,264 |
| Loan and lease loss provision to assets | 0.0477% | 2,861 |
| Net operating income to assets | 0.9034% | 2,743 |
| Return on assets (ROA) | 0.9034% | 2,800 |
| Pretax return on assets | 0.9034% | 3,756 |
| Return on Equity (ROE) | 8.9308% | 2,451 |
| Retained earnings to average equity (ytd only) | 8.9308% | 1,104 |
| Net charge-offs to loans | 0.2601% | 698 |
| Credit loss provision to net charge-offs | 40.8163% | 2,055 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,083 |
| Efficiency ratio | 75.3120% | 2,019 |
| Assets per employee ($millions) | 4.1031% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,357 |
| Loan loss allowance to noncurrent loans | 194.7905% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 4,144 |
| Noncurrent loans to loans | 0.5960% | 3,028 |
| Net loans and leases to total assets | 42.9951% | 5,103 |
| Net loans and leases to deposits | 48.1379% | 5,213 |
| Net loans and leases to core deposits | 48.7107% | 5,274 |
| Total domestic deposits to total assets | 89.3164% | 996 |
| Equity capital to assets | 10.1462% | 3,576 |
| Core capital (leverage) ratio | 10.0452% | 3,437 |
| Tier 1 risk-based capital ratio | 17.6155% | 1,997 |
| Total risk-based capital ratio | 18.5483% | 2,043 |
| Memoranda: | ||
| Average total assets | $335,605,500 | 2,015 |
| Average earning assets | $305,576,000 | 2,045 |
| Average equity | $33,950,000 | 2,153 |
| Average total loans | $150,699,000 | 2,691 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 2,985 |
| Cost of funding earning assets | 0.1154% | 5,632 |
| Net interest margin | 3.9458% | 1,804 |
| Noninterest income to average assets | 0.8919% | 1,439 |
| Noninterest expense to average assets | 3.6048% | 1,011 |
| Loan and lease loss provision to assets | 0.0840% | 2,679 |
| Net operating income to assets | 0.8312% | 3,148 |
| Return on assets (ROA) | 0.8595% | 3,138 |
| Pretax return on assets | 0.8595% | 3,980 |
| Return on Equity (ROE) | 8.7886% | 2,519 |
| Retained earnings to average equity (ytd only) | 1.0424% | 4,899 |
| Net charge-offs to loans | -0.0456% | 5,370 |
| Credit loss provision to net charge-offs | -366.6667% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4644% | 1,486 |
| Assets per employee ($millions) | 3.9363% | 4,083 |
| Cash dividends to net income (ytd only)* | 88.1386% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 3,366 |
| Loan loss allowance to noncurrent loans | 203.8991% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 4,232 |
| Noncurrent loans to loans | 0.5690% | 3,132 |
| Net loans and leases to total assets | 45.8114% | 5,027 |
| Net loans and leases to deposits | 51.3321% | 5,155 |
| Net loans and leases to core deposits | 51.8594% | 5,233 |
| Total domestic deposits to total assets | 89.2452% | 985 |
| Equity capital to assets | 10.0850% | 3,626 |
| Core capital (leverage) ratio | 9.8297% | 3,708 |
| Tier 1 risk-based capital ratio | 17.2166% | 2,087 |
| Total risk-based capital ratio | 18.1795% | 2,129 |
| Memoranda: | ||
| Average total assets | $261,902,200 | 2,422 |
| Average earning assets | $240,815,400 | 2,425 |
| Average equity | $25,612,800 | 2,669 |
| Average total loans | $131,605,000 | 2,898 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,584 |
| Cost of funding earning assets | 0.1171% | 5,688 |
| Net interest margin | 4.0602% | 1,504 |
| Noninterest income to average assets | 0.8772% | 1,482 |
| Noninterest expense to average assets | 3.6313% | 945 |
| Loan and lease loss provision to assets | 0.0926% | 2,377 |
| Net operating income to assets | 0.8935% | 2,943 |
| Return on assets (ROA) | 0.9268% | 2,903 |
| Pretax return on assets | 0.9268% | 3,888 |
| Return on Equity (ROE) | 9.5777% | 2,237 |
| Retained earnings to average equity (ytd only) | 0.3885% | 5,253 |
| Net charge-offs to loans | -0.0518% | 5,385 |
| Credit loss provision to net charge-offs | -346.9388% | 4,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3953% | 1,634 |
| Assets per employee ($millions) | 3.8854% | 4,157 |
| Cash dividends to net income (ytd only)* | 95.9439% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,706 |
| Loan loss allowance to noncurrent loans | 3,301.9231% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 4,659 |
| Noncurrent loans to loans | 0.0340% | 5,239 |
| Net loans and leases to total assets | 46.2701% | 5,079 |
| Net loans and leases to deposits | 52.2580% | 5,192 |
| Net loans and leases to core deposits | 52.8056% | 5,275 |
| Total domestic deposits to total assets | 88.5416% | 1,136 |
| Equity capital to assets | 10.6715% | 3,384 |
| Core capital (leverage) ratio | 9.7872% | 3,825 |
| Tier 1 risk-based capital ratio | 17.1961% | 2,168 |
| Total risk-based capital ratio | 18.1278% | 2,223 |
| Memoranda: | ||
| Average total assets | $244,715,000 | 2,562 |
| Average earning assets | $225,436,000 | 2,554 |
| Average equity | $23,679,500 | 2,845 |
| Average total loans | $126,192,750 | 2,985 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 2,641 |
| Cost of funding earning assets | 0.1180% | 5,767 |
| Net interest margin | 4.0419% | 1,522 |
| Noninterest income to average assets | 0.7853% | 1,783 |
| Noninterest expense to average assets | 3.5752% | 1,042 |
| Loan and lease loss provision to assets | 0.0460% | 3,227 |
| Net operating income to assets | 0.9113% | 2,806 |
| Return on assets (ROA) | 0.9297% | 2,862 |
| Pretax return on assets | 0.9297% | 3,837 |
| Return on Equity (ROE) | 10.1287% | 1,995 |
| Retained earnings to average equity (ytd only) | -0.7113% | 5,399 |
| Net charge-offs to loans | -0.0494% | 5,363 |
| Credit loss provision to net charge-offs | -172.4138% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6975% | 1,689 |
| Assets per employee ($millions) | 3.9982% | 3,902 |
| Cash dividends to net income (ytd only)* | 107.0227% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,858 |
| Loan loss allowance to noncurrent loans | 1,261.6000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 4,645 |
| Noncurrent loans to loans | 0.0886% | 5,097 |
| Net loans and leases to total assets | 42.0590% | 5,337 |
| Net loans and leases to deposits | 47.4185% | 5,442 |
| Net loans and leases to core deposits | 47.9061% | 5,504 |
| Total domestic deposits to total assets | 88.6974% | 1,065 |
| Equity capital to assets | 10.5429% | 3,583 |
| Core capital (leverage) ratio | 9.7730% | 3,842 |
| Tier 1 risk-based capital ratio | 17.4317% | 2,087 |
| Total risk-based capital ratio | 18.3039% | 2,157 |
| Memoranda: | ||
| Average total assets | $217,495,670 | 2,797 |
| Average earning assets | $201,638,670 | 2,797 |
| Average equity | $19,963,000 | 3,204 |
| Average total loans | $117,347,000 | 3,121 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,512 |
| Cost of funding earning assets | 0.1480% | 5,628 |
| Net interest margin | 4.3500% | 832 |
| Noninterest income to average assets | 0.5614% | 2,734 |
| Noninterest expense to average assets | 3.6902% | 908 |
| Loan and lease loss provision to assets | 0.0499% | 2,924 |
| Net operating income to assets | 0.9282% | 2,609 |
| Return on assets (ROA) | 0.9282% | 2,716 |
| Pretax return on assets | 0.9282% | 3,739 |
| Return on Equity (ROE) | 11.9508% | 1,328 |
| Retained earnings to average equity (ytd only) | 11.8866% | 521 |
| Net charge-offs to loans | -0.0341% | 5,123 |
| Credit loss provision to net charge-offs | -222.2222% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0486% | 1,741 |
| Assets per employee ($millions) | 3.6330% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.5376% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 2,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.3772% | 3,473 |
| Net loans and leases to deposits | 68.0966% | 4,049 |
| Net loans and leases to core deposits | 68.8375% | 4,335 |
| Total domestic deposits to total assets | 91.6011% | 144 |
| Equity capital to assets | 7.7664% | 5,889 |
| Core capital (leverage) ratio | 7.7997% | 5,851 |
| Tier 1 risk-based capital ratio | 11.4656% | 5,251 |
| Total risk-based capital ratio | 12.7174% | 5,153 |
| Memoranda: | ||
| Average total assets | $160,317,000 | 3,443 |
| Average earning assets | $151,358,000 | 3,407 |
| Average equity | $12,451,000 | 4,251 |
| Average total loans | $105,445,000 | 3,329 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 1,917 |
| Cost of funding earning assets | 0.1564% | 5,646 |
| Net interest margin | 4.2389% | 1,083 |
| Noninterest income to average assets | 0.6025% | 2,702 |
| Noninterest expense to average assets | 3.7668% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8225% | 3,234 |
| Return on assets (ROA) | 0.8225% | 3,316 |
| Pretax return on assets | 0.8225% | 4,118 |
| Return on Equity (ROE) | 10.4449% | 1,830 |
| Retained earnings to average equity (ytd only) | 2.5534% | 4,250 |
| Net charge-offs to loans | -0.0217% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0785% | 1,402 |
| Assets per employee ($millions) | 3.5715% | 4,687 |
| Cash dividends to net income (ytd only)* | 75.5538% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.3811% | 2,805 |
| Net loans and leases to deposits | 73.5763% | 3,545 |
| Net loans and leases to core deposits | 74.1492% | 3,925 |
| Total domestic deposits to total assets | 91.5799% | 161 |
| Equity capital to assets | 7.7666% | 5,930 |
| Core capital (leverage) ratio | 7.7672% | 5,918 |
| Tier 1 risk-based capital ratio | 11.3503% | 5,347 |
| Total risk-based capital ratio | 12.6020% | 5,240 |
| Memoranda: | ||
| Average total assets | $153,684,800 | 3,514 |
| Average earning assets | $144,542,400 | 3,480 |
| Average equity | $12,101,600 | 4,287 |
| Average total loans | $96,882,000 | 3,440 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 2,016 |
| Cost of funding earning assets | 0.1586% | 5,721 |
| Net interest margin | 4.2108% | 1,142 |
| Noninterest income to average assets | 0.5968% | 2,761 |
| Noninterest expense to average assets | 3.7542% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8044% | 3,410 |
| Return on assets (ROA) | 0.8044% | 3,504 |
| Pretax return on assets | 0.8044% | 4,328 |
| Return on Equity (ROE) | 10.1799% | 2,033 |
| Retained earnings to average equity (ytd only) | 1.9542% | 4,902 |
| Net charge-offs to loans | -0.0141% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3541% | 1,347 |
| Assets per employee ($millions) | 3.6482% | 4,522 |
| Cash dividends to net income (ytd only)* | 80.8029% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 2,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.6848% | 3,777 |
| Net loans and leases to deposits | 66.3387% | 4,353 |
| Net loans and leases to core deposits | 66.5990% | 4,649 |
| Total domestic deposits to total assets | 91.4772% | 161 |
| Equity capital to assets | 7.7649% | 6,028 |
| Core capital (leverage) ratio | 7.6286% | 6,024 |
| Tier 1 risk-based capital ratio | 11.7752% | 5,223 |
| Total risk-based capital ratio | 13.0275% | 5,139 |
| Memoranda: | ||
| Average total assets | $152,819,000 | 3,552 |
| Average earning assets | $143,784,250 | 3,525 |
| Average equity | $12,075,750 | 4,344 |
| Average total loans | $94,256,000 | 3,526 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3576% | 1,984 |
| Cost of funding earning assets | 0.1614% | 5,767 |
| Net interest margin | 4.1961% | 1,115 |
| Noninterest income to average assets | 0.5863% | 2,813 |
| Noninterest expense to average assets | 3.7381% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7949% | 3,414 |
| Return on assets (ROA) | 0.7949% | 3,505 |
| Pretax return on assets | 0.7949% | 4,335 |
| Return on Equity (ROE) | 9.9994% | 2,073 |
| Retained earnings to average equity (ytd only) | 0.9468% | 5,193 |
| Net charge-offs to loans | -0.0107% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4643% | 1,434 |
| Assets per employee ($millions) | 3.4931% | 4,805 |
| Cash dividends to net income (ytd only)* | 90.5316% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 2,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 63.3387% | 3,363 |
| Net loans and leases to deposits | 69.3350% | 4,004 |
| Net loans and leases to core deposits | 69.5947% | 4,357 |
| Total domestic deposits to total assets | 91.3516% | 222 |
| Equity capital to assets | 7.9599% | 6,002 |
| Core capital (leverage) ratio | 7.8591% | 5,990 |
| Tier 1 risk-based capital ratio | 11.9443% | 5,185 |
| Total risk-based capital ratio | 13.1971% | 5,086 |
| Memoranda: | ||
| Average total assets | $151,467,670 | 3,609 |
| Average earning assets | $142,464,000 | 3,562 |
| Average equity | $12,040,670 | 4,374 |
| Average total loans | $93,446,000 | 3,564 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 2,111 |
| Cost of funding earning assets | 0.1681% | 5,788 |
| Net interest margin | 4.1270% | 1,213 |
| Noninterest income to average assets | 0.5707% | 2,828 |
| Noninterest expense to average assets | 3.5897% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8547% | 2,987 |
| Return on assets (ROA) | 0.8547% | 3,105 |
| Pretax return on assets | 0.8547% | 4,043 |
| Return on Equity (ROE) | 10.7589% | 1,713 |
| Retained earnings to average equity (ytd only) | 5.7933% | 2,611 |
| Net charge-offs to loans | -0.0087% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7692% | 1,788 |
| Assets per employee ($millions) | 3.4474% | 4,997 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.1339% | 3,927 |
| Net loans and leases to deposits | 63.5028% | 4,425 |
| Net loans and leases to core deposits | 63.7321% | 4,721 |
| Total domestic deposits to total assets | 91.5454% | 222 |
| Equity capital to assets | 7.8802% | 6,073 |
| Core capital (leverage) ratio | 7.7432% | 6,046 |
| Tier 1 risk-based capital ratio | 12.2825% | 5,060 |
| Total risk-based capital ratio | 13.5326% | 4,968 |
| Memoranda: | ||
| Average total assets | $152,100,500 | 3,620 |
| Average earning assets | $142,768,000 | 3,581 |
| Average equity | $12,083,000 | 4,402 |
| Average total loans | $91,860,000 | 3,618 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 1,797 |
| Cost of funding earning assets | 0.1843% | 5,883 |
| Net interest margin | 4.3344% | 990 |
| Noninterest income to average assets | 0.6205% | 2,736 |
| Noninterest expense to average assets | 3.5623% | 1,372 |
| Loan and lease loss provision to assets | 0.0548% | 3,457 |
| Net operating income to assets | 1.0466% | 2,179 |
| Return on assets (ROA) | 1.0466% | 2,251 |
| Pretax return on assets | 1.0466% | 3,316 |
| Return on Equity (ROE) | 13.3566% | 1,068 |
| Retained earnings to average equity (ytd only) | 6.8881% | 1,454 |
| Net charge-offs to loans | -0.0172% | 5,669 |
| Credit loss provision to net charge-offs | -533.3333% | 5,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3842% | 2,452 |
| Assets per employee ($millions) | 3.3879% | 5,087 |
| Cash dividends to net income (ytd only)* | 48.4293% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 2,072 |
| Loan loss allowance to noncurrent loans | 134.1508% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 3,305 |
| Noncurrent loans to loans | 1.1960% | 2,455 |
| Net loans and leases to total assets | 60.7637% | 3,681 |
| Net loans and leases to deposits | 66.4773% | 4,273 |
| Net loans and leases to core deposits | 67.4862% | 4,557 |
| Total domestic deposits to total assets | 91.4051% | 250 |
| Equity capital to assets | 8.0105% | 6,066 |
| Core capital (leverage) ratio | 7.8896% | 6,061 |
| Tier 1 risk-based capital ratio | 12.5550% | 5,006 |
| Total risk-based capital ratio | 13.8082% | 4,919 |
| Memoranda: | ||
| Average total assets | $146,001,600 | 3,691 |
| Average earning assets | $136,189,000 | 3,657 |
| Average equity | $11,440,000 | 4,469 |
| Average total loans | $87,011,400 | 3,699 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 2,016 |
| Cost of funding earning assets | 0.1868% | 5,947 |
| Net interest margin | 4.2735% | 1,102 |
| Noninterest income to average assets | 0.6123% | 2,793 |
| Noninterest expense to average assets | 3.5473% | 1,381 |
| Loan and lease loss provision to assets | 0.0367% | 3,670 |
| Net operating income to assets | 1.0190% | 2,372 |
| Return on assets (ROA) | 1.0190% | 2,426 |
| Pretax return on assets | 1.0190% | 3,524 |
| Return on Equity (ROE) | 13.0799% | 1,204 |
| Retained earnings to average equity (ytd only) | 6.1276% | 2,328 |
| Net charge-offs to loans | -0.0155% | 5,545 |
| Credit loss provision to net charge-offs | -400.0000% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0642% | 2,345 |
| Assets per employee ($millions) | 3.5430% | 4,779 |
| Cash dividends to net income (ytd only)* | 53.1535% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 2,377 |
| Loan loss allowance to noncurrent loans | 123.9827% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 3,541 |
| Noncurrent loans to loans | 1.2733% | 2,514 |
| Net loans and leases to total assets | 58.5999% | 3,988 |
| Net loans and leases to deposits | 63.8994% | 4,550 |
| Net loans and leases to core deposits | 64.8448% | 4,809 |
| Total domestic deposits to total assets | 91.7066% | 197 |
| Equity capital to assets | 7.6666% | 6,263 |
| Core capital (leverage) ratio | 7.7110% | 6,212 |
| Tier 1 risk-based capital ratio | 12.1592% | 5,397 |
| Total risk-based capital ratio | 13.4127% | 5,308 |
| Memoranda: | ||
| Average total assets | $145,235,500 | 3,740 |
| Average earning assets | $135,623,250 | 3,694 |
| Average equity | $11,314,750 | 4,525 |
| Average total loans | $85,750,500 | 3,762 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 2,087 |
| Cost of funding earning assets | 0.1922% | 5,984 |
| Net interest margin | 4.2327% | 1,176 |
| Noninterest income to average assets | 0.5964% | 2,832 |
| Noninterest expense to average assets | 3.5656% | 1,358 |
| Loan and lease loss provision to assets | 0.0420% | 3,480 |
| Net operating income to assets | 0.9352% | 2,626 |
| Return on assets (ROA) | 0.9352% | 2,726 |
| Pretax return on assets | 0.9352% | 3,742 |
| Return on Equity (ROE) | 11.9360% | 1,442 |
| Retained earnings to average equity (ytd only) | 5.8608% | 2,410 |
| Net charge-offs to loans | -0.0143% | 5,432 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4900% | 2,230 |
| Assets per employee ($millions) | 3.4531% | 4,940 |
| Cash dividends to net income (ytd only)* | 50.8982% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 2,538 |
| Loan loss allowance to noncurrent loans | 123.8428% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 3,541 |
| Noncurrent loans to loans | 1.2759% | 2,673 |
| Net loans and leases to total assets | 62.3850% | 3,344 |
| Net loans and leases to deposits | 68.3178% | 4,016 |
| Net loans and leases to core deposits | 69.8230% | 4,286 |
| Total domestic deposits to total assets | 91.3158% | 306 |
| Equity capital to assets | 8.0958% | 6,098 |
| Core capital (leverage) ratio | 7.9738% | 6,115 |
| Tier 1 risk-based capital ratio | 12.6511% | 5,120 |
| Total risk-based capital ratio | 13.9051% | 5,054 |
| Memoranda: | ||
| Average total assets | $142,864,000 | 3,799 |
| Average earning assets | $133,200,000 | 3,754 |
| Average equity | $11,193,000 | 4,558 |
| Average total loans | $84,097,670 | 3,812 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 3,037 |
| Cost of funding earning assets | 0.2012% | 5,983 |
| Net interest margin | 3.9573% | 1,901 |
| Noninterest income to average assets | 0.5603% | 2,984 |
| Noninterest expense to average assets | 3.5037% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7303% | 3,542 |
| Return on assets (ROA) | 0.7303% | 3,620 |
| Pretax return on assets | 0.7303% | 4,385 |
| Return on Equity (ROE) | 9.4769% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.4769% | 1,116 |
| Net charge-offs to loans | -0.0148% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7518% | 1,828 |
| Assets per employee ($millions) | 3.5379% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 2,481 |
| Loan loss allowance to noncurrent loans | 115.7059% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 3,667 |
| Noncurrent loans to loans | 1.4323% | 2,636 |
| Net loans and leases to total assets | 56.6586% | 4,053 |
| Net loans and leases to deposits | 61.7250% | 4,581 |
| Net loans and leases to core deposits | 63.1896% | 4,771 |
| Total domestic deposits to total assets | 91.7920% | 300 |
| Equity capital to assets | 7.7537% | 6,203 |
| Core capital (leverage) ratio | 7.8843% | 6,186 |
| Tier 1 risk-based capital ratio | 12.6202% | 5,241 |
| Total risk-based capital ratio | 13.8740% | 5,175 |
| Memoranda: | ||
| Average total assets | $143,506,500 | 3,817 |
| Average earning assets | $133,222,000 | 3,780 |
| Average equity | $11,058,500 | 4,598 |
| Average total loans | $81,275,500 | 3,898 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 1,907 |
| Cost of funding earning assets | 0.2637% | 5,881 |
| Net interest margin | 4.3263% | 1,045 |
| Noninterest income to average assets | 0.6721% | 2,693 |
| Noninterest expense to average assets | 3.7242% | 1,248 |
| Loan and lease loss provision to assets | 0.0376% | 4,363 |
| Net operating income to assets | 0.9228% | 2,672 |
| Return on assets (ROA) | 0.9228% | 2,760 |
| Pretax return on assets | 0.9228% | 3,672 |
| Return on Equity (ROE) | 11.3820% | 1,644 |
| Retained earnings to average equity (ytd only) | 5.3475% | 2,386 |
| Net charge-offs to loans | 0.0327% | 4,780 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 51.0400% | 781 |
| Efficiency ratio | 79.4987% | 2,238 |
| Assets per employee ($millions) | 3.3800% | 5,136 |
| Cash dividends to net income (ytd only)* | 53.0179% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 2,236 |
| Loan loss allowance to noncurrent loans | 115.4553% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 3,783 |
| Noncurrent loans to loans | 1.5156% | 2,623 |
| Net loans and leases to total assets | 54.6626% | 4,508 |
| Net loans and leases to deposits | 59.5057% | 4,978 |
| Net loans and leases to core deposits | 60.5613% | 5,180 |
| Total domestic deposits to total assets | 91.8611% | 312 |
| Equity capital to assets | 7.6571% | 6,202 |
| Core capital (leverage) ratio | 7.8420% | 6,221 |
| Tier 1 risk-based capital ratio | 12.7788% | 5,130 |
| Total risk-based capital ratio | 14.0334% | 5,070 |
| Memoranda: | ||
| Average total assets | $132,861,200 | 4,015 |
| Average earning assets | $123,223,600 | 3,985 |
| Average equity | $10,771,400 | 4,689 |
| Average total loans | $76,544,600 | 4,040 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 2,028 |
| Cost of funding earning assets | 0.2766% | 5,915 |
| Net interest margin | 4.2770% | 1,146 |
| Noninterest income to average assets | 0.6953% | 2,634 |
| Noninterest expense to average assets | 3.7982% | 1,083 |
| Loan and lease loss provision to assets | 0.0306% | 4,395 |
| Net operating income to assets | 0.8444% | 3,128 |
| Return on assets (ROA) | 0.8444% | 3,245 |
| Pretax return on assets | 0.8444% | 4,121 |
| Return on Equity (ROE) | 10.2602% | 2,080 |
| Retained earnings to average equity (ytd only) | 3.4366% | 4,239 |
| Net charge-offs to loans | 0.0509% | 4,177 |
| Credit loss provision to net charge-offs | 103.4483% | 2,266 |
| Earnings coverage of net charge-offs (x) | 29.5485% | 1,247 |
| Efficiency ratio | 81.2759% | 1,937 |
| Assets per employee ($millions) | 3.2170% | 5,463 |
| Cash dividends to net income (ytd only)* | 66.5058% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 2,602 |
| Loan loss allowance to noncurrent loans | 130.9547% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 4,230 |
| Noncurrent loans to loans | 1.3051% | 3,227 |
| Net loans and leases to total assets | 56.4592% | 4,254 |
| Net loans and leases to deposits | 61.5465% | 4,807 |
| Net loans and leases to core deposits | 62.6690% | 5,046 |
| Total domestic deposits to total assets | 91.7343% | 303 |
| Equity capital to assets | 7.6954% | 6,308 |
| Core capital (leverage) ratio | 7.8243% | 6,318 |
| Tier 1 risk-based capital ratio | 12.6206% | 5,378 |
| Total risk-based capital ratio | 13.8753% | 5,317 |
| Memoranda: | ||
| Average total assets | $130,586,500 | 4,097 |
| Average earning assets | $121,453,250 | 4,061 |
| Average equity | $10,746,750 | 4,747 |
| Average total loans | $75,935,500 | 4,091 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 1,859 |
| Cost of funding earning assets | 0.2882% | 5,919 |
| Net interest margin | 4.3109% | 1,007 |
| Noninterest income to average assets | 0.6906% | 2,684 |
| Noninterest expense to average assets | 3.8639% | 1,022 |
| Loan and lease loss provision to assets | 0.0156% | 4,582 |
| Net operating income to assets | 0.8078% | 3,247 |
| Return on assets (ROA) | 0.8078% | 3,400 |
| Pretax return on assets | 0.8078% | 4,283 |
| Return on Equity (ROE) | 9.5912% | 2,378 |
| Retained earnings to average equity (ytd only) | 5.8809% | 2,502 |
| Net charge-offs to loans | 0.0562% | 3,897 |
| Credit loss provision to net charge-offs | 47.6190% | 3,261 |
| Earnings coverage of net charge-offs (x) | 25.0952% | 1,272 |
| Efficiency ratio | 82.4333% | 1,831 |
| Assets per employee ($millions) | 3.0674% | 5,733 |
| Cash dividends to net income (ytd only)* | 38.6847% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 2,634 |
| Loan loss allowance to noncurrent loans | 129.7975% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 4,069 |
| Noncurrent loans to loans | 1.3383% | 3,315 |
| Net loans and leases to total assets | 57.7272% | 4,030 |
| Net loans and leases to deposits | 63.0781% | 4,613 |
| Net loans and leases to core deposits | 63.8842% | 4,905 |
| Total domestic deposits to total assets | 91.5169% | 375 |
| Equity capital to assets | 7.9812% | 6,210 |
| Core capital (leverage) ratio | 8.3355% | 5,842 |
| Tier 1 risk-based capital ratio | 13.1640% | 5,023 |
| Total risk-based capital ratio | 14.4191% | 4,955 |
| Memoranda: | ||
| Average total assets | $128,005,330 | 4,184 |
| Average earning assets | $118,676,330 | 4,147 |
| Average equity | $10,780,670 | 4,770 |
| Average total loans | $74,761,330 | 4,144 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 1,952 |
| Cost of funding earning assets | 0.3058% | 5,927 |
| Net interest margin | 4.2537% | 1,063 |
| Noninterest income to average assets | 0.6949% | 2,617 |
| Noninterest expense to average assets | 3.8966% | 1,001 |
| Loan and lease loss provision to assets | 0.0317% | 4,051 |
| Net operating income to assets | 0.6949% | 3,711 |
| Return on assets (ROA) | 0.6949% | 3,857 |
| Pretax return on assets | 0.6949% | 4,600 |
| Return on Equity (ROE) | 8.0312% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.0312% | 1,744 |
| Net charge-offs to loans | 0.1362% | 2,591 |
| Credit loss provision to net charge-offs | 40.0000% | 2,745 |
| Earnings coverage of net charge-offs (x) | 9.1600% | 1,878 |
| Efficiency ratio | 84.2828% | 1,726 |
| Assets per employee ($millions) | 2.9949% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 2,549 |
| Loan loss allowance to noncurrent loans | 129.4118% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.2541% | 3,474 |
| Noncurrent loans to loans | 1.4067% | 3,458 |
| Net loans and leases to total assets | 56.2025% | 4,053 |
| Net loans and leases to deposits | 61.7367% | 4,586 |
| Net loans and leases to core deposits | 62.4133% | 4,916 |
| Total domestic deposits to total assets | 91.0358% | 512 |
| Equity capital to assets | 8.5317% | 5,989 |
| Core capital (leverage) ratio | 8.3711% | 5,742 |
| Tier 1 risk-based capital ratio | 13.5886% | 4,808 |
| Total risk-based capital ratio | 14.8441% | 4,766 |
| Memoranda: | ||
| Average total assets | $126,059,000 | 4,262 |
| Average earning assets | $116,417,000 | 4,232 |
| Average equity | $10,907,500 | 4,786 |
| Average total loans | $73,398,500 | 4,221 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 1,307 |
| Cost of funding earning assets | 0.4321% | 5,704 |
| Net interest margin | 4.6713% | 687 |
| Noninterest income to average assets | 0.7591% | 2,454 |
| Noninterest expense to average assets | 4.0855% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9586% | 2,509 |
| Return on assets (ROA) | 1.0579% | 2,284 |
| Pretax return on assets | 1.0579% | 3,331 |
| Return on Equity (ROE) | 11.3816% | 1,689 |
| Retained earnings to average equity (ytd only) | 2.3785% | 4,558 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9964% | 2,007 |
| Assets per employee ($millions) | 2.8683% | 6,212 |
| Cash dividends to net income (ytd only)* | 79.1020% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,423 |
| Loan loss allowance to noncurrent loans | 103.7462% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 3,229 |
| Noncurrent loans to loans | 1.7899% | 2,933 |
| Net loans and leases to total assets | 58.1495% | 3,954 |
| Net loans and leases to deposits | 64.0887% | 4,519 |
| Net loans and leases to core deposits | 64.8173% | 4,861 |
| Total domestic deposits to total assets | 90.7329% | 601 |
| Equity capital to assets | 8.7791% | 5,763 |
| Core capital (leverage) ratio | 8.7016% | 5,329 |
| Tier 1 risk-based capital ratio | 13.7834% | 4,546 |
| Total risk-based capital ratio | 15.0400% | 4,493 |
| Memoranda: | ||
| Average total assets | $115,798,800 | 4,444 |
| Average earning assets | $106,222,000 | 4,443 |
| Average equity | $10,763,000 | 4,803 |
| Average total loans | $71,182,800 | 4,314 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 1,247 |
| Cost of funding earning assets | 0.4529% | 5,769 |
| Net interest margin | 4.7214% | 645 |
| Noninterest income to average assets | 0.7936% | 2,270 |
| Noninterest expense to average assets | 4.1422% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9832% | 2,596 |
| Return on assets (ROA) | 1.1178% | 2,225 |
| Pretax return on assets | 1.1178% | 3,280 |
| Return on Equity (ROE) | 11.8482% | 1,683 |
| Retained earnings to average equity (ytd only) | 2.9528% | 4,786 |
| Net charge-offs to loans | -0.0038% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8175% | 1,971 |
| Assets per employee ($millions) | 2.7508% | 6,432 |
| Cash dividends to net income (ytd only)* | 75.0789% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 2,208 |
| Loan loss allowance to noncurrent loans | 887.5817% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 5,104 |
| Noncurrent loans to loans | 0.2235% | 6,052 |
| Net loans and leases to total assets | 56.7157% | 4,343 |
| Net loans and leases to deposits | 62.9115% | 4,857 |
| Net loans and leases to core deposits | 63.9160% | 5,157 |
| Total domestic deposits to total assets | 90.1516% | 767 |
| Equity capital to assets | 9.2135% | 5,579 |
| Core capital (leverage) ratio | 9.0264% | 5,025 |
| Tier 1 risk-based capital ratio | 14.4080% | 4,252 |
| Total risk-based capital ratio | 15.6660% | 4,213 |
| Memoranda: | ||
| Average total assets | $113,913,750 | 4,543 |
| Average earning assets | $104,513,250 | 4,526 |
| Average equity | $10,746,750 | 4,862 |
| Average total loans | $70,709,000 | 4,376 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2570% | 1,129 |
| Cost of funding earning assets | 0.4735% | 5,807 |
| Net interest margin | 4.7835% | 574 |
| Noninterest income to average assets | 0.8181% | 2,101 |
| Noninterest expense to average assets | 4.2114% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9906% | 2,504 |
| Return on assets (ROA) | 0.9906% | 2,733 |
| Pretax return on assets | 0.9906% | 3,737 |
| Return on Equity (ROE) | 10.4148% | 2,205 |
| Retained earnings to average equity (ytd only) | 2.4307% | 4,974 |
| Net charge-offs to loans | 0.0056% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 278.5000% | 152 |
| Efficiency ratio | 80.9573% | 2,032 |
| Assets per employee ($millions) | 2.8084% | 6,389 |
| Cash dividends to net income (ytd only)* | 76.6607% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 2,425 |
| Loan loss allowance to noncurrent loans | 868.5897% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 4,796 |
| Noncurrent loans to loans | 0.2230% | 6,136 |
| Net loans and leases to total assets | 61.0547% | 3,615 |
| Net loans and leases to deposits | 67.9321% | 4,216 |
| Net loans and leases to core deposits | 69.0788% | 4,654 |
| Total domestic deposits to total assets | 89.8760% | 999 |
| Equity capital to assets | 9.5623% | 4,962 |
| Core capital (leverage) ratio | 9.1532% | 4,683 |
| Tier 1 risk-based capital ratio | 14.4757% | 4,118 |
| Total risk-based capital ratio | 15.7331% | 4,075 |
| Memoranda: | ||
| Average total assets | $112,457,330 | 4,605 |
| Average earning assets | $103,063,330 | 4,600 |
| Average equity | $10,696,330 | 4,875 |
| Average total loans | $71,464,330 | 4,372 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 1,510 |
| Cost of funding earning assets | 0.5047% | 5,785 |
| Net interest margin | 4.6203% | 795 |
| Noninterest income to average assets | 0.8923% | 1,777 |
| Noninterest expense to average assets | 4.2020% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9207% | 2,824 |
| Return on assets (ROA) | 0.9207% | 3,033 |
| Pretax return on assets | 0.9207% | 3,966 |
| Return on Equity (ROE) | 9.7063% | 2,512 |
| Retained earnings to average equity (ytd only) | 6.4459% | 2,716 |
| Net charge-offs to loans | 0.0388% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 793 |
| Efficiency ratio | 82.0264% | 1,930 |
| Assets per employee ($millions) | 3.0315% | 6,096 |
| Cash dividends to net income (ytd only)* | 33.5907% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 2,692 |
| Loan loss allowance to noncurrent loans | 365.8537% | 922 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 4,483 |
| Noncurrent loans to loans | 0.5176% | 5,634 |
| Net loans and leases to total assets | 60.7169% | 3,508 |
| Net loans and leases to deposits | 67.2758% | 4,182 |
| Net loans and leases to core deposits | 68.3775% | 4,642 |
| Total domestic deposits to total assets | 90.2506% | 945 |
| Equity capital to assets | 9.3397% | 5,042 |
| Core capital (leverage) ratio | 9.2532% | 4,441 |
| Tier 1 risk-based capital ratio | 14.2203% | 4,297 |
| Total risk-based capital ratio | 15.4779% | 4,267 |
| Memoranda: | ||
| Average total assets | $112,517,500 | 4,640 |
| Average earning assets | $103,023,500 | 4,628 |
| Average equity | $10,673,500 | 4,892 |
| Average total loans | $72,225,500 | 4,376 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4275% | 1,345 |
| Cost of funding earning assets | 0.6658% | 5,737 |
| Net interest margin | 4.7617% | 671 |
| Noninterest income to average assets | 0.7926% | 2,103 |
| Noninterest expense to average assets | 4.0914% | 916 |
| Loan and lease loss provision to assets | 0.1370% | 4,908 |
| Net operating income to assets | 0.9190% | 2,525 |
| Return on assets (ROA) | 0.9190% | 2,643 |
| Pretax return on assets | 0.9190% | 3,548 |
| Return on Equity (ROE) | 10.0836% | 2,032 |
| Retained earnings to average equity (ytd only) | 3.0542% | 4,054 |
| Net charge-offs to loans | 0.1143% | 5,232 |
| Credit loss provision to net charge-offs | 182.3529% | 1,416 |
| Earnings coverage of net charge-offs (x) | 14.0588% | 1,490 |
| Efficiency ratio | 79.4850% | 2,374 |
| Assets per employee ($millions) | 2.9686% | 6,162 |
| Cash dividends to net income (ytd only)* | 69.7115% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 5,162 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 65.3699% | 2,905 |
| Net loans and leases to deposits | 72.6554% | 3,713 |
| Net loans and leases to core deposits | 73.1558% | 4,356 |
| Total domestic deposits to total assets | 89.9725% | 1,009 |
| Equity capital to assets | 9.6397% | 4,689 |
| Core capital (leverage) ratio | 8.9501% | 4,862 |
| Tier 1 risk-based capital ratio | 14.1508% | 4,219 |
| Total risk-based capital ratio | 15.4080% | 4,163 |
| Memoranda: | ||
| Average total assets | $113,165,000 | 4,570 |
| Average earning assets | $103,491,400 | 4,551 |
| Average equity | $10,313,800 | 4,941 |
| Average total loans | $74,381,000 | 4,335 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4003% | 1,503 |
| Cost of funding earning assets | 0.6848% | 5,853 |
| Net interest margin | 4.7156% | 740 |
| Noninterest income to average assets | 0.8117% | 1,997 |
| Noninterest expense to average assets | 4.0491% | 950 |
| Loan and lease loss provision to assets | 0.1871% | 4,158 |
| Net operating income to assets | 0.8924% | 2,769 |
| Return on assets (ROA) | 0.8924% | 2,920 |
| Pretax return on assets | 0.8924% | 3,799 |
| Return on Equity (ROE) | 9.9296% | 2,225 |
| Retained earnings to average equity (ytd only) | 3.0973% | 4,481 |
| Net charge-offs to loans | 0.1892% | 4,281 |
| Credit loss provision to net charge-offs | 150.9434% | 2,066 |
| Earnings coverage of net charge-offs (x) | 8.7076% | 2,137 |
| Efficiency ratio | 78.9510% | 2,414 |
| Assets per employee ($millions) | 3.1020% | 5,893 |
| Cash dividends to net income (ytd only)* | 68.8070% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 2,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 5,327 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 60.5124% | 4,040 |
| Net loans and leases to deposits | 66.7156% | 4,797 |
| Net loans and leases to core deposits | 67.1420% | 5,289 |
| Total domestic deposits to total assets | 90.7020% | 554 |
| Equity capital to assets | 8.9527% | 5,805 |
| Core capital (leverage) ratio | 8.8379% | 5,200 |
| Tier 1 risk-based capital ratio | 13.3423% | 4,845 |
| Total risk-based capital ratio | 14.5984% | 4,814 |
| Memoranda: | ||
| Average total assets | $113,996,750 | 4,577 |
| Average earning assets | $104,361,250 | 4,564 |
| Average equity | $10,245,250 | 4,980 |
| Average total loans | $74,687,000 | 4,358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5014% | 1,292 |
| Cost of funding earning assets | 0.7166% | 5,857 |
| Net interest margin | 4.7848% | 617 |
| Noninterest income to average assets | 0.8092% | 1,974 |
| Noninterest expense to average assets | 4.0975% | 915 |
| Loan and lease loss provision to assets | 0.2751% | 3,183 |
| Net operating income to assets | 0.8092% | 3,027 |
| Return on assets (ROA) | 0.8092% | 3,149 |
| Pretax return on assets | 0.8092% | 3,989 |
| Return on Equity (ROE) | 8.9917% | 2,518 |
| Retained earnings to average equity (ytd only) | 3.7465% | 3,830 |
| Net charge-offs to loans | 0.8280% | 1,851 |
| Credit loss provision to net charge-offs | 49.6795% | 4,593 |
| Earnings coverage of net charge-offs (x) | 1.9583% | 3,882 |
| Efficiency ratio | 79.0753% | 2,545 |
| Assets per employee ($millions) | 2.9600% | 6,168 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,865 |
| Loan loss allowance to noncurrent loans | 112,900.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 5,274 |
| Noncurrent loans to loans | 0.0014% | 7,023 |
| Net loans and leases to total assets | 61.7380% | 3,944 |
| Net loans and leases to deposits | 68.0249% | 4,703 |
| Net loans and leases to core deposits | 68.4686% | 5,243 |
| Total domestic deposits to total assets | 90.7580% | 604 |
| Equity capital to assets | 8.9691% | 5,624 |
| Core capital (leverage) ratio | 8.8495% | 4,964 |
| Tier 1 risk-based capital ratio | 13.4197% | 4,594 |
| Total risk-based capital ratio | 14.6733% | 4,575 |
| Memoranda: | ||
| Average total assets | $112,704,000 | 4,636 |
| Average earning assets | $102,992,000 | 4,627 |
| Average equity | $10,142,670 | 5,010 |
| Average total loans | $75,359,670 | 4,372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5609% | 1,152 |
| Cost of funding earning assets | 0.7517% | 5,843 |
| Net interest margin | 4.8092% | 561 |
| Noninterest income to average assets | 0.8407% | 1,882 |
| Noninterest expense to average assets | 4.1532% | 865 |
| Loan and lease loss provision to assets | 0.3233% | 2,608 |
| Net operating income to assets | 0.7545% | 3,250 |
| Return on assets (ROA) | 0.7545% | 3,315 |
| Pretax return on assets | 0.7545% | 4,084 |
| Return on Equity (ROE) | 8.3690% | 2,752 |
| Retained earnings to average equity (ytd only) | 5.9779% | 2,650 |
| Net charge-offs to loans | 0.4529% | 2,337 |
| Credit loss provision to net charge-offs | 103.4483% | 2,563 |
| Earnings coverage of net charge-offs (x) | 3.4483% | 2,739 |
| Efficiency ratio | 79.3956% | 2,634 |
| Assets per employee ($millions) | 2.9565% | 6,224 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 3,237 |
| Loan loss allowance to noncurrent loans | 237.8229% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0034% | 4,897 |
| Noncurrent loans to loans | 0.7288% | 5,550 |
| Net loans and leases to total assets | 63.3817% | 3,567 |
| Net loans and leases to deposits | 69.6487% | 4,402 |
| Net loans and leases to core deposits | 70.0997% | 5,033 |
| Total domestic deposits to total assets | 91.0020% | 628 |
| Equity capital to assets | 8.7925% | 5,511 |
| Core capital (leverage) ratio | 9.0367% | 4,557 |
| Tier 1 risk-based capital ratio | 13.0741% | 4,769 |
| Total risk-based capital ratio | 14.3288% | 4,750 |
| Memoranda: | ||
| Average total assets | $111,335,500 | 4,705 |
| Average earning assets | $101,639,000 | 4,699 |
| Average equity | $10,037,000 | 5,044 |
| Average total loans | $76,839,500 | 4,361 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3540% | 419 |
| Cost of funding earning assets | 0.9190% | 6,089 |
| Net interest margin | 5.4350% | 191 |
| Noninterest income to average assets | 1.0773% | 1,288 |
| Noninterest expense to average assets | 4.4087% | 716 |
| Loan and lease loss provision to assets | 0.9235% | 1,770 |
| Net operating income to assets | 0.6188% | 3,587 |
| Return on assets (ROA) | 0.7468% | 3,135 |
| Pretax return on assets | 0.7468% | 3,808 |
| Return on Equity (ROE) | 8.3008% | 2,582 |
| Retained earnings to average equity (ytd only) | 3.4288% | 3,466 |
| Net charge-offs to loans | 0.6663% | 3,015 |
| Credit loss provision to net charge-offs | 183.0292% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.0566% | 3,544 |
| Efficiency ratio | 74.0832% | 3,384 |
| Assets per employee ($millions) | 2.7530% | 6,600 |
| Cash dividends to net income (ytd only)* | 58.6930% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 3,502 |
| Loan loss allowance to noncurrent loans | 181.3822% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 5,384 |
| Noncurrent loans to loans | 0.8940% | 5,271 |
| Net loans and leases to total assets | 72.6688% | 1,953 |
| Net loans and leases to deposits | 80.3061% | 3,114 |
| Net loans and leases to core deposits | 81.1505% | 4,034 |
| Total domestic deposits to total assets | 90.4897% | 840 |
| Equity capital to assets | 9.2542% | 4,746 |
| Core capital (leverage) ratio | 8.9108% | 4,677 |
| Tier 1 risk-based capital ratio | 12.8477% | 4,733 |
| Total risk-based capital ratio | 14.1032% | 4,695 |
| Memoranda: | ||
| Average total assets | $108,603,400 | 4,754 |
| Average earning assets | $97,386,800 | 4,795 |
| Average equity | $9,770,200 | 5,195 |
| Average total loans | $82,249,000 | 4,267 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3584% | 451 |
| Cost of funding earning assets | 0.9438% | 6,207 |
| Net interest margin | 5.4146% | 198 |
| Noninterest income to average assets | 1.1434% | 1,074 |
| Noninterest expense to average assets | 4.3447% | 710 |
| Loan and lease loss provision to assets | 1.1728% | 1,225 |
| Net operating income to assets | 0.4578% | 4,501 |
| Return on assets (ROA) | 0.6268% | 3,933 |
| Pretax return on assets | 0.6268% | 4,504 |
| Return on Equity (ROE) | 7.0168% | 3,337 |
| Retained earnings to average equity (ytd only) | 4.5500% | 3,308 |
| Net charge-offs to loans | 0.7551% | 2,538 |
| Credit loss provision to net charge-offs | 203.8298% | 1,744 |
| Earnings coverage of net charge-offs (x) | 2.8341% | 3,715 |
| Efficiency ratio | 72.7105% | 3,572 |
| Assets per employee ($millions) | 2.7853% | 6,614 |
| Cash dividends to net income (ytd only)* | 35.1556% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,664 |
| Loan loss allowance to noncurrent loans | 261.1881% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 5,830 |
| Noncurrent loans to loans | 0.6006% | 6,006 |
| Net loans and leases to total assets | 76.1866% | 1,370 |
| Net loans and leases to deposits | 84.2238% | 2,667 |
| Net loans and leases to core deposits | 85.1108% | 3,783 |
| Total domestic deposits to total assets | 90.4573% | 653 |
| Equity capital to assets | 9.2941% | 5,156 |
| Core capital (leverage) ratio | 9.2305% | 4,315 |
| Tier 1 risk-based capital ratio | 12.1940% | 5,276 |
| Total risk-based capital ratio | 13.4486% | 5,243 |
| Memoranda: | ||
| Average total assets | $108,912,250 | 4,804 |
| Average earning assets | $97,191,750 | 4,858 |
| Average equity | $9,728,750 | 5,278 |
| Average total loans | $82,984,000 | 4,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3298% | 483 |
| Cost of funding earning assets | 0.9686% | 6,296 |
| Net interest margin | 5.3612% | 219 |
| Noninterest income to average assets | 1.3797% | 658 |
| Noninterest expense to average assets | 4.3740% | 663 |
| Loan and lease loss provision to assets | 1.6935% | 745 |
| Net operating income to assets | 0.0752% | 5,938 |
| Return on assets (ROA) | 0.3303% | 5,224 |
| Pretax return on assets | 0.3303% | 5,421 |
| Return on Equity (ROE) | 3.7475% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.7475% | 3,712 |
| Net charge-offs to loans | 1.0385% | 1,801 |
| Credit loss provision to net charge-offs | 215.1515% | 1,811 |
| Earnings coverage of net charge-offs (x) | 2.2471% | 3,882 |
| Efficiency ratio | 71.2067% | 3,953 |
| Assets per employee ($millions) | 2.4930% | 7,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 3,606 |
| Loan loss allowance to noncurrent loans | 203.5330% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 1.2929% | 4,562 |
| Noncurrent loans to loans | 0.7694% | 5,732 |
| Net loans and leases to total assets | 77.6931% | 1,164 |
| Net loans and leases to deposits | 85.7568% | 2,546 |
| Net loans and leases to core deposits | 86.8949% | 3,715 |
| Total domestic deposits to total assets | 90.5970% | 645 |
| Equity capital to assets | 9.1623% | 5,197 |
| Core capital (leverage) ratio | 9.0049% | 4,592 |
| Tier 1 risk-based capital ratio | 11.9236% | 5,380 |
| Total risk-based capital ratio | 13.1780% | 5,350 |
| Memoranda: | ||
| Average total assets | $109,007,000 | 4,832 |
| Average earning assets | $96,843,330 | 4,909 |
| Average equity | $9,606,330 | 5,314 |
| Average total loans | $82,619,000 | 4,362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 573 |
| Cost of funding earning assets | 1.0026% | 6,365 |
| Net interest margin | 5.2525% | 262 |
| Noninterest income to average assets | 1.1173% | 1,006 |
| Noninterest expense to average assets | 4.6183% | 506 |
| Loan and lease loss provision to assets | 3.2499% | 296 |
| Net operating income to assets | -2.1181% | 7,489 |
| Return on assets (ROA) | -1.6122% | 7,367 |
| Pretax return on assets | -1.6122% | 7,293 |
| Return on Equity (ROE) | -18.6556% | 7,412 |
| Retained earnings to average equity (ytd only) | -18.6556% | 7,334 |
| Net charge-offs to loans | 2.1171% | 802 |
| Credit loss provision to net charge-offs | 206.7130% | 1,806 |
| Earnings coverage of net charge-offs (x) | 0.7199% | 4,384 |
| Efficiency ratio | 80.3165% | 2,515 |
| Assets per employee ($millions) | 2.5200% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 3,561 |
| Loan loss allowance to noncurrent loans | 239.7032% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 4,901 |
| Noncurrent loans to loans | 0.6565% | 6,010 |
| Net loans and leases to total assets | 72.8822% | 2,234 |
| Net loans and leases to deposits | 79.7889% | 3,696 |
| Net loans and leases to core deposits | 80.8830% | 4,643 |
| Total domestic deposits to total assets | 91.3437% | 425 |
| Equity capital to assets | 8.2937% | 6,309 |
| Core capital (leverage) ratio | 8.1775% | 5,944 |
| Tier 1 risk-based capital ratio | 11.2169% | 5,938 |
| Total risk-based capital ratio | 12.4715% | 5,888 |
| Memoranda: | ||
| Average total assets | $109,910,500 | 4,875 |
| Average earning assets | $96,943,500 | 4,955 |
| Average equity | $9,498,500 | 5,386 |
| Average total loans | $81,622,500 | 4,455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4110% | 811 |
| Cost of funding earning assets | 1.2085% | 6,633 |
| Net interest margin | 5.2026% | 291 |
| Noninterest income to average assets | 1.4108% | 733 |
| Noninterest expense to average assets | 5.1845% | 463 |
| Loan and lease loss provision to assets | 0.3690% | 4,573 |
| Net operating income to assets | 0.5091% | 3,694 |
| Return on assets (ROA) | 0.6302% | 3,280 |
| Pretax return on assets | 0.5980% | 3,906 |
| Return on Equity (ROE) | 6.7876% | 2,878 |
| Retained earnings to average equity (ytd only) | 3.3428% | 2,829 |
| Net charge-offs to loans | 0.4220% | 4,108 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 2.7508% | 3,721 |
| Efficiency ratio | 85.9721% | 2,119 |
| Assets per employee ($millions) | 2.4760% | 7,239 |
| Cash dividends to net income (ytd only)* | 50.7508% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 6,243 |
| Loan loss allowance to noncurrent loans | 60.7901% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.4613% | 4,211 |
| Noncurrent loans to loans | 1.6847% | 4,122 |
| Net loans and leases to total assets | 73.7190% | 2,331 |
| Net loans and leases to deposits | 81.4084% | 3,717 |
| Net loans and leases to core deposits | 91.4568% | 4,957 |
| Total domestic deposits to total assets | 90.5546% | 715 |
| Equity capital to assets | 8.9965% | 5,155 |
| Core capital (leverage) ratio | 8.5896% | 5,115 |
| Tier 1 risk-based capital ratio | 11.8823% | 5,043 |
| Total risk-based capital ratio | 12.9128% | 5,189 |
| Memoranda: | ||
| Average total assets | $105,681,000 | 4,938 |
| Average earning assets | $93,838,000 | 5,014 |
| Average equity | $9,812,000 | 5,351 |
| Average total loans | $77,019,200 | 4,622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3577% | 1,010 |
| Cost of funding earning assets | 1.2515% | 6,716 |
| Net interest margin | 5.1061% | 361 |
| Noninterest income to average assets | 1.4596% | 699 |
| Noninterest expense to average assets | 5.2192% | 423 |
| Loan and lease loss provision to assets | 0.3051% | 4,532 |
| Net operating income to assets | 0.5226% | 3,891 |
| Return on assets (ROA) | 0.6866% | 3,309 |
| Pretax return on assets | 0.6433% | 4,046 |
| Return on Equity (ROE) | 7.3357% | 2,933 |
| Retained earnings to average equity (ytd only) | 6.0452% | 1,924 |
| Net charge-offs to loans | 0.1211% | 5,488 |
| Credit loss provision to net charge-offs | 347.8261% | 1,178 |
| Earnings coverage of net charge-offs (x) | 8.9418% | 2,177 |
| Efficiency ratio | 86.9335% | 1,970 |
| Assets per employee ($millions) | 2.3595% | 7,434 |
| Cash dividends to net income (ytd only)* | 17.5922% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,390 |
| Loan loss allowance to noncurrent loans | 249.2021% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 6,309 |
| Noncurrent loans to loans | 0.4633% | 6,393 |
| Net loans and leases to total assets | 70.8327% | 3,310 |
| Net loans and leases to deposits | 78.4171% | 4,677 |
| Net loans and leases to core deposits | 87.8858% | 5,654 |
| Total domestic deposits to total assets | 90.3282% | 652 |
| Equity capital to assets | 8.8436% | 5,720 |
| Core capital (leverage) ratio | 8.8145% | 4,953 |
| Tier 1 risk-based capital ratio | 11.7057% | 5,241 |
| Total risk-based capital ratio | 12.8366% | 5,291 |
| Memoranda: | ||
| Average total assets | $104,865,750 | 4,993 |
| Average earning assets | $93,323,000 | 5,060 |
| Average equity | $9,814,750 | 5,395 |
| Average total loans | $75,988,500 | 4,695 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3770% | 1,054 |
| Cost of funding earning assets | 1.3095% | 6,774 |
| Net interest margin | 5.0676% | 374 |
| Noninterest income to average assets | 1.5852% | 596 |
| Noninterest expense to average assets | 5.2906% | 426 |
| Loan and lease loss provision to assets | 0.1568% | 5,501 |
| Net operating income to assets | 0.6937% | 3,286 |
| Return on assets (ROA) | 0.6937% | 3,395 |
| Pretax return on assets | 0.6270% | 4,242 |
| Return on Equity (ROE) | 7.2633% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.3551% | 2,317 |
| Net charge-offs to loans | 0.0027% | 6,589 |
| Credit loss provision to net charge-offs | 8,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 93 |
| Efficiency ratio | 87.0968% | 2,116 |
| Assets per employee ($millions) | 2.2003% | 7,671 |
| Cash dividends to net income (ytd only)* | 26.2712% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,592 |
| Loan loss allowance to noncurrent loans | 315.2985% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 6,648 |
| Noncurrent loans to loans | 0.3490% | 6,640 |
| Net loans and leases to total assets | 70.4333% | 3,603 |
| Net loans and leases to deposits | 78.0257% | 4,866 |
| Net loans and leases to core deposits | 91.3352% | 5,416 |
| Total domestic deposits to total assets | 90.2694% | 724 |
| Equity capital to assets | 9.1259% | 5,129 |
| Core capital (leverage) ratio | 8.9728% | 4,676 |
| Tier 1 risk-based capital ratio | 11.9800% | 4,937 |
| Total risk-based capital ratio | 13.0440% | 5,022 |
| Memoranda: | ||
| Average total assets | $102,068,670 | 5,097 |
| Average earning assets | $90,418,330 | 5,184 |
| Average equity | $9,747,670 | 5,436 |
| Average total loans | $74,264,670 | 4,801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4050% | 1,053 |
| Cost of funding earning assets | 1.3275% | 6,941 |
| Net interest margin | 5.0775% | 341 |
| Noninterest income to average assets | 1.7541% | 445 |
| Noninterest expense to average assets | 5.2462% | 415 |
| Loan and lease loss provision to assets | 0.2218% | 4,233 |
| Net operating income to assets | 0.7742% | 3,238 |
| Return on assets (ROA) | 0.7742% | 3,414 |
| Pretax return on assets | 0.7742% | 4,174 |
| Return on Equity (ROE) | 7.9159% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.2878% | 3,522 |
| Net charge-offs to loans | 0.0055% | 5,616 |
| Credit loss provision to net charge-offs | 5,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 173 |
| Efficiency ratio | 84.0439% | 2,302 |
| Assets per employee ($millions) | 2.0789% | 7,832 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,453 |
| Loan loss allowance to noncurrent loans | 329.3173% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 6,547 |
| Noncurrent loans to loans | 0.3347% | 6,593 |
| Net loans and leases to total assets | 70.7836% | 3,520 |
| Net loans and leases to deposits | 78.5984% | 4,831 |
| Net loans and leases to core deposits | 92.4589% | 5,308 |
| Total domestic deposits to total assets | 90.0572% | 777 |
| Equity capital to assets | 9.4002% | 4,808 |
| Core capital (leverage) ratio | 9.4658% | 4,024 |
| Tier 1 risk-based capital ratio | 12.0542% | 4,918 |
| Total risk-based capital ratio | 13.1104% | 4,981 |
| Memoranda: | ||
| Average total assets | $99,196,000 | 5,201 |
| Average earning assets | $87,681,500 | 5,298 |
| Average equity | $9,702,000 | 5,477 |
| Average total loans | $73,006,000 | 4,871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9931% | 1,152 |
| Cost of funding earning assets | 1.8838% | 6,780 |
| Net interest margin | 5.1093% | 398 |
| Noninterest income to average assets | 1.5014% | 619 |
| Noninterest expense to average assets | 5.1176% | 594 |
| Loan and lease loss provision to assets | 0.2363% | 4,535 |
| Net operating income to assets | 0.6888% | 3,941 |
| Return on assets (ROA) | 0.7391% | 3,558 |
| Pretax return on assets | 0.7200% | 4,336 |
| Return on Equity (ROE) | 7.6962% | 3,198 |
| Retained earnings to average equity (ytd only) | 1.4764% | 4,339 |
| Net charge-offs to loans | 0.3258% | 3,222 |
| Credit loss provision to net charge-offs | 102.1739% | 5,208 |
| Earnings coverage of net charge-offs (x) | 3.9174% | 4,183 |
| Efficiency ratio | 84.9583% | 1,953 |
| Assets per employee ($millions) | 1.8889% | 7,992 |
| Cash dividends to net income (ytd only)* | 80.8163% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 5,484 |
| Loan loss allowance to noncurrent loans | 284.7584% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 1.6178% | 3,012 |
| Noncurrent loans to loans | 0.3756% | 6,230 |
| Net loans and leases to total assets | 75.0156% | 2,880 |
| Net loans and leases to deposits | 85.2331% | 4,220 |
| Net loans and leases to core deposits | 97.0096% | 5,149 |
| Total domestic deposits to total assets | 88.0123% | 1,467 |
| Equity capital to assets | 10.1994% | 3,809 |
| Core capital (leverage) ratio | 9.5820% | 3,906 |
| Tier 1 risk-based capital ratio | 12.2049% | 4,663 |
| Total risk-based capital ratio | 13.2152% | 4,733 |
| Memoranda: | ||
| Average total assets | $99,441,200 | 5,067 |
| Average earning assets | $88,015,800 | 5,149 |
| Average equity | $9,550,200 | 5,553 |
| Average total loans | $70,602,800 | 4,845 |