Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0842% | 569 |
| Cost of funding earning assets | 2.5601% | 325 |
| Net interest margin | 3.5241% | 2,135 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.5076% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7817% | 2,929 |
| Return on assets (ROA) | 0.7541% | 3,010 |
| Pretax return on assets | 0.9410% | 2,841 |
| Return on Equity (ROE) | 8.3000% | 2,944 |
| Retained earnings to average equity (ytd only) | 3.9252% | 2,984 |
| Net charge-offs to loans | 0.0038% | 2,615 |
| Credit loss provision to net charge-offs | -716.6667% | 4,554 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 375 |
| Efficiency ratio | 71.1187% | 1,747 |
| Assets per employee ($millions) | 9.0454% | 966 |
| Cash dividends to net income (ytd only)* | 52.7241% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 564 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 68.3900% | 1,988 |
| Net loans and leases to deposits | 76.9683% | 2,357 |
| Net loans and leases to core deposits | 92.2369% | 1,888 |
| Total domestic deposits to total assets | 88.8500% | 1,105 |
| Equity capital to assets | 8.4558% | 3,085 |
| Core capital (leverage) ratio | 8.7951% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2124% | 2,521 |
| Memoranda: | ||
| Average total assets | $226,352,800 | 2,806 |
| Average earning assets | $197,099,400 | 2,895 |
| Average equity | $20,559,600 | 2,809 |
| Average total loans | $158,222,400 | 2,614 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9948% | 534 |
| Cost of funding earning assets | 2.3408% | 372 |
| Net interest margin | 3.6540% | 1,877 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.5558% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7845% | 3,073 |
| Return on assets (ROA) | 0.7467% | 3,178 |
| Pretax return on assets | 0.9088% | 3,081 |
| Return on Equity (ROE) | 8.0600% | 3,173 |
| Retained earnings to average equity (ytd only) | 4.1286% | 3,224 |
| Net charge-offs to loans | 0.0052% | 2,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 262.1667% | 498 |
| Efficiency ratio | 71.9004% | 1,580 |
| Assets per employee ($millions) | 7.9320% | 1,380 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9215% | 454 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.4100% | 1,777 |
| Net loans and leases to deposits | 84.3613% | 1,711 |
| Net loans and leases to core deposits | 97.8184% | 1,454 |
| Total domestic deposits to total assets | 83.4600% | 2,916 |
| Equity capital to assets | 8.7963% | 2,539 |
| Core capital (leverage) ratio | 8.8497% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7747% | 2,358 |
| Memoranda: | ||
| Average total assets | $219,623,500 | 2,863 |
| Average earning assets | $191,495,500 | 2,945 |
| Average equity | $20,345,500 | 2,813 |
| Average total loans | $153,693,500 | 2,652 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7591% | 589 |
| Cost of funding earning assets | 2.0850% | 423 |
| Net interest margin | 3.6740% | 1,870 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.5435% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8155% | 3,036 |
| Return on assets (ROA) | 0.7578% | 3,218 |
| Pretax return on assets | 0.9243% | 3,112 |
| Return on Equity (ROE) | 8.0400% | 3,222 |
| Retained earnings to average equity (ytd only) | 4.1113% | 3,188 |
| Net charge-offs to loans | 0.0067% | 1,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 568 |
| Efficiency ratio | 70.9728% | 1,676 |
| Assets per employee ($millions) | 7.5841% | 1,556 |
| Cash dividends to net income (ytd only)* | 48.8400% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 377 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.6300% | 1,894 |
| Net loans and leases to deposits | 79.2404% | 2,031 |
| Net loans and leases to core deposits | 87.5254% | 1,965 |
| Total domestic deposits to total assets | 86.6100% | 2,054 |
| Equity capital to assets | 9.3172% | 2,300 |
| Core capital (leverage) ratio | 9.3299% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5702% | 2,071 |
| Memoranda: | ||
| Average total assets | $216,155,000 | 2,889 |
| Average earning assets | $188,294,667 | 2,969 |
| Average equity | $20,382,667 | 2,828 |
| Average total loans | $149,881,667 | 2,670 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 592 |
| Cost of funding earning assets | 1.8530% | 405 |
| Net interest margin | 3.6759% | 1,951 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.4923% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7940% | 3,206 |
| Return on assets (ROA) | 0.6777% | 3,467 |
| Pretax return on assets | 0.8214% | 3,420 |
| Return on Equity (ROE) | 7.1400% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.2074% | 3,457 |
| Net charge-offs to loans | 0.0217% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 982 |
| Efficiency ratio | 71.2048% | 1,613 |
| Assets per employee ($millions) | 7.2129% | 1,810 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1716% | 335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.2900% | 1,803 |
| Net loans and leases to deposits | 81.4516% | 1,713 |
| Net loans and leases to core deposits | 90.1559% | 1,606 |
| Total domestic deposits to total assets | 83.8500% | 3,119 |
| Equity capital to assets | 9.8397% | 1,911 |
| Core capital (leverage) ratio | 9.5096% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2540% | 1,881 |
| Memoranda: | ||
| Average total assets | $214,263,500 | 2,948 |
| Average earning assets | $186,297,000 | 3,019 |
| Average equity | $20,328,000 | 2,859 |
| Average total loans | $147,765,000 | 2,725 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 973 |
| Cost of funding earning assets | 0.7601% | 454 |
| Net interest margin | 3.5891% | 1,675 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.6068% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8400% | 3,189 |
| Return on assets (ROA) | 0.7868% | 3,303 |
| Pretax return on assets | 0.9387% | 3,247 |
| Return on Equity (ROE) | 8.3600% | 3,293 |
| Retained earnings to average equity (ytd only) | 5.6913% | 2,753 |
| Net charge-offs to loans | 0.0171% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 90.5909% | 1,019 |
| Efficiency ratio | 71.2733% | 1,530 |
| Assets per employee ($millions) | 7.5639% | 1,574 |
| Cash dividends to net income (ytd only)* | 31.9489% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 342 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.7100% | 1,957 |
| Net loans and leases to deposits | 80.3019% | 1,751 |
| Net loans and leases to core deposits | 87.1108% | 1,672 |
| Total domestic deposits to total assets | 83.0700% | 3,406 |
| Equity capital to assets | 9.1515% | 2,261 |
| Core capital (leverage) ratio | 9.5600% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6950% | 2,093 |
| Memoranda: | ||
| Average total assets | $198,900,600 | 3,050 |
| Average earning assets | $171,157,400 | 3,136 |
| Average equity | $18,712,800 | 3,060 |
| Average total loans | $128,930,600 | 2,841 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 1,135 |
| Cost of funding earning assets | 0.5401% | 606 |
| Net interest margin | 3.5237% | 1,598 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.6399% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7610% | 3,385 |
| Return on assets (ROA) | 0.7610% | 3,329 |
| Pretax return on assets | 0.8965% | 3,330 |
| Return on Equity (ROE) | 8.0300% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.3049% | 2,996 |
| Net charge-offs to loans | 0.0226% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 62.0476% | 1,156 |
| Efficiency ratio | 73.6381% | 1,318 |
| Assets per employee ($millions) | 6.9882% | 1,950 |
| Cash dividends to net income (ytd only)* | 33.9060% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3910% | 257 |
| Loan loss allowance to noncurrent loans | 19,875.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,921 |
| Noncurrent loans to loans | 0.0120% | 3,855 |
| Net loans and leases to total assets | 64.0600% | 2,079 |
| Net loans and leases to deposits | 75.9763% | 1,878 |
| Net loans and leases to core deposits | 81.2040% | 1,816 |
| Total domestic deposits to total assets | 84.3100% | 3,430 |
| Equity capital to assets | 8.6303% | 2,459 |
| Core capital (leverage) ratio | 8.7102% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6640% | 2,188 |
| Memoranda: | ||
| Average total assets | $193,787,500 | 3,103 |
| Average earning assets | $166,866,750 | 3,206 |
| Average equity | $18,372,500 | 3,125 |
| Average total loans | $123,786,750 | 2,891 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 1,293 |
| Cost of funding earning assets | 0.4406% | 727 |
| Net interest margin | 3.3683% | 1,693 |
| Noninterest income to average assets | 0.5209% | 2,082 |
| Noninterest expense to average assets | 2.6138% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6980% | 3,316 |
| Return on assets (ROA) | 0.6980% | 3,270 |
| Pretax return on assets | 0.7997% | 3,331 |
| Return on Equity (ROE) | 7.1357% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.4571% | 2,904 |
| Net charge-offs to loans | 0.0149% | 1,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 84.7778% | 904 |
| Efficiency ratio | 75.4989% | 1,334 |
| Assets per employee ($millions) | 6.6530% | 2,209 |
| Cash dividends to net income (ytd only)* | 37.5375% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5283% | 252 |
| Loan loss allowance to noncurrent loans | 2,728.2051% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,372 |
| Noncurrent loans to loans | 0.0927% | 3,308 |
| Net loans and leases to total assets | 63.7830% | 1,935 |
| Net loans and leases to deposits | 72.8456% | 1,967 |
| Net loans and leases to core deposits | 77.5529% | 1,887 |
| Total domestic deposits to total assets | 87.5592% | 2,742 |
| Equity capital to assets | 9.3061% | 2,154 |
| Core capital (leverage) ratio | 9.0038% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4188% | 1,893 |
| Memoranda: | ||
| Average total assets | $190,830,333 | 3,156 |
| Average earning assets | $163,882,000 | 3,279 |
| Average equity | $18,666,667 | 3,174 |
| Average total loans | $120,715,667 | 2,936 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 1,374 |
| Cost of funding earning assets | 0.4365% | 697 |
| Net interest margin | 3.2194% | 1,818 |
| Noninterest income to average assets | 0.5375% | 1,957 |
| Noninterest expense to average assets | 2.5735% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6492% | 3,231 |
| Return on assets (ROA) | 0.6492% | 3,214 |
| Pretax return on assets | 0.6998% | 3,393 |
| Return on Equity (ROE) | 6.4765% | 3,198 |
| Retained earnings to average equity (ytd only) | 3.8481% | 2,993 |
| Net charge-offs to loans | 0.0102% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 110.6667% | 640 |
| Efficiency ratio | 77.5274% | 1,355 |
| Assets per employee ($millions) | 7.0617% | 1,951 |
| Cash dividends to net income (ytd only)* | 40.5844% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6762% | 232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.9970% | 1,962 |
| Net loans and leases to deposits | 71.4264% | 1,825 |
| Net loans and leases to core deposits | 76.4006% | 1,752 |
| Total domestic deposits to total assets | 85.3985% | 3,437 |
| Equity capital to assets | 9.7149% | 2,114 |
| Core capital (leverage) ratio | 9.0904% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8423% | 1,858 |
| Memoranda: | ||
| Average total assets | $189,777,000 | 3,174 |
| Average earning assets | $161,274,500 | 3,313 |
| Average equity | $19,022,500 | 3,238 |
| Average total loans | $117,947,000 | 2,957 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 682 |
| Cost of funding earning assets | 0.5752% | 616 |
| Net interest margin | 3.8501% | 921 |
| Noninterest income to average assets | 0.9658% | 1,064 |
| Noninterest expense to average assets | 3.0379% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9704% | 2,795 |
| Return on assets (ROA) | 0.9994% | 2,737 |
| Pretax return on assets | 1.2333% | 2,568 |
| Return on Equity (ROE) | 9.3978% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.9776% | 2,372 |
| Net charge-offs to loans | -0.1680% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7268% | 1,539 |
| Assets per employee ($millions) | 6.5134% | 2,324 |
| Cash dividends to net income (ytd only)* | 36.3942% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7501% | 197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.9267% | 2,167 |
| Net loans and leases to deposits | 71.2878% | 1,982 |
| Net loans and leases to core deposits | 76.0024% | 1,921 |
| Total domestic deposits to total assets | 84.0631% | 3,544 |
| Equity capital to assets | 10.3352% | 2,333 |
| Core capital (leverage) ratio | 9.5540% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3009% | 1,742 |
| Memoranda: | ||
| Average total assets | $178,711,600 | 3,219 |
| Average earning assets | $151,763,800 | 3,362 |
| Average equity | $19,004,400 | 3,298 |
| Average total loans | $119,630,600 | 2,955 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 987 |
| Cost of funding earning assets | 0.5994% | 640 |
| Net interest margin | 3.6755% | 1,396 |
| Noninterest income to average assets | 0.9271% | 1,198 |
| Noninterest expense to average assets | 3.0947% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7887% | 3,554 |
| Return on assets (ROA) | 0.8280% | 3,514 |
| Pretax return on assets | 1.0179% | 3,400 |
| Return on Equity (ROE) | 7.7278% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.1959% | 3,515 |
| Net charge-offs to loans | 0.0122% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 116.4545% | 791 |
| Efficiency ratio | 76.1453% | 1,028 |
| Assets per employee ($millions) | 6.1941% | 2,509 |
| Cash dividends to net income (ytd only)* | 45.7038% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6117% | 241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.0493% | 1,997 |
| Net loans and leases to deposits | 74.7063% | 1,789 |
| Net loans and leases to core deposits | 79.8822% | 1,742 |
| Total domestic deposits to total assets | 83.0578% | 3,688 |
| Equity capital to assets | 10.6593% | 2,309 |
| Core capital (leverage) ratio | 10.2995% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2389% | 1,297 |
| Memoranda: | ||
| Average total assets | $176,167,250 | 3,275 |
| Average earning assets | $150,361,000 | 3,410 |
| Average equity | $18,875,000 | 3,354 |
| Average total loans | $120,439,250 | 2,989 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 854 |
| Cost of funding earning assets | 0.6245% | 654 |
| Net interest margin | 3.7725% | 1,184 |
| Noninterest income to average assets | 1.0879% | 942 |
| Noninterest expense to average assets | 3.1792% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9256% | 3,142 |
| Return on assets (ROA) | 0.9256% | 3,221 |
| Pretax return on assets | 1.1393% | 3,089 |
| Return on Equity (ROE) | 8.6242% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.8977% | 3,222 |
| Net charge-offs to loans | -0.0196% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6174% | 1,278 |
| Assets per employee ($millions) | 6.0039% | 2,605 |
| Cash dividends to net income (ytd only)* | 43.2099% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6186% | 238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.3329% | 1,909 |
| Net loans and leases to deposits | 77.8775% | 1,644 |
| Net loans and leases to core deposits | 83.4839% | 1,607 |
| Total domestic deposits to total assets | 82.6078% | 3,788 |
| Equity capital to assets | 10.9257% | 2,043 |
| Core capital (leverage) ratio | 10.4291% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8580% | 1,156 |
| Memoranda: | ||
| Average total assets | $175,013,667 | 3,290 |
| Average earning assets | $149,874,000 | 3,417 |
| Average equity | $18,784,333 | 3,354 |
| Average total loans | $122,436,667 | 2,987 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 1,195 |
| Cost of funding earning assets | 0.6662% | 626 |
| Net interest margin | 3.5382% | 1,729 |
| Noninterest income to average assets | 1.4362% | 651 |
| Noninterest expense to average assets | 3.3124% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9529% | 2,962 |
| Return on assets (ROA) | 0.9529% | 3,055 |
| Pretax return on assets | 1.1626% | 2,944 |
| Return on Equity (ROE) | 8.9579% | 3,047 |
| Retained earnings to average equity (ytd only) | 5.2076% | 3,160 |
| Net charge-offs to loans | -0.0127% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0194% | 1,310 |
| Assets per employee ($millions) | 5.9576% | 2,644 |
| Cash dividends to net income (ytd only)* | 41.8660% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4065% | 303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.5111% | 1,225 |
| Net loans and leases to deposits | 85.3388% | 1,012 |
| Net loans and leases to core deposits | 91.8129% | 1,127 |
| Total domestic deposits to total assets | 82.6249% | 3,777 |
| Equity capital to assets | 10.8398% | 1,976 |
| Core capital (leverage) ratio | 10.2223% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8849% | 1,332 |
| Memoranda: | ||
| Average total assets | $175,464,000 | 3,283 |
| Average earning assets | $150,699,500 | 3,410 |
| Average equity | $18,665,000 | 3,358 |
| Average total loans | $126,143,000 | 2,947 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 378 |
| Cost of funding earning assets | 1.0195% | 552 |
| Net interest margin | 4.1143% | 758 |
| Noninterest income to average assets | 0.9417% | 1,169 |
| Noninterest expense to average assets | 3.1537% | 1,136 |
| Loan and lease loss provision to assets | 0.2334% | 1,668 |
| Net operating income to assets | 0.8994% | 2,701 |
| Return on assets (ROA) | 0.8994% | 2,832 |
| Pretax return on assets | 1.0961% | 2,709 |
| Return on Equity (ROE) | 8.5087% | 2,599 |
| Retained earnings to average equity (ytd only) | 4.3868% | 2,597 |
| Net charge-offs to loans | 0.0008% | 3,402 |
| Credit loss provision to net charge-offs | 37,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 2,136.0000% | 48 |
| Efficiency ratio | 70.3457% | 1,902 |
| Assets per employee ($millions) | 6.3628% | 2,035 |
| Cash dividends to net income (ytd only)* | 48.4429% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3537% | 314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.8593% | 1,583 |
| Net loans and leases to deposits | 86.9705% | 1,176 |
| Net loans and leases to core deposits | 92.5456% | 1,339 |
| Total domestic deposits to total assets | 80.3253% | 3,994 |
| Equity capital to assets | 10.4413% | 2,724 |
| Core capital (leverage) ratio | 10.4209% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4258% | 1,707 |
| Memoranda: | ||
| Average total assets | $160,667,000 | 3,277 |
| Average earning assets | $138,297,400 | 3,405 |
| Average equity | $16,982,600 | 3,455 |
| Average total loans | $120,197,600 | 2,979 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4026% | 277 |
| Cost of funding earning assets | 1.1170% | 504 |
| Net interest margin | 4.2856% | 605 |
| Noninterest income to average assets | 0.8138% | 1,440 |
| Noninterest expense to average assets | 3.2715% | 948 |
| Loan and lease loss provision to assets | 0.1836% | 2,149 |
| Net operating income to assets | 0.8386% | 2,956 |
| Return on assets (ROA) | 0.8386% | 3,078 |
| Pretax return on assets | 1.0638% | 2,869 |
| Return on Equity (ROE) | 7.9060% | 2,840 |
| Retained earnings to average equity (ytd only) | 4.8900% | 2,605 |
| Net charge-offs to loans | -0.0068% | 4,127 |
| Credit loss provision to net charge-offs | -3,583.3333% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3995% | 1,593 |
| Assets per employee ($millions) | 6.1424% | 2,143 |
| Cash dividends to net income (ytd only)* | 38.1485% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3061% | 294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.7217% | 1,554 |
| Net loans and leases to deposits | 90.7747% | 1,188 |
| Net loans and leases to core deposits | 97.4539% | 1,346 |
| Total domestic deposits to total assets | 80.1123% | 3,841 |
| Equity capital to assets | 10.2125% | 3,052 |
| Core capital (leverage) ratio | 9.5496% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2201% | 1,760 |
| Memoranda: | ||
| Average total assets | $156,294,250 | 3,304 |
| Average earning assets | $135,115,500 | 3,427 |
| Average equity | $16,577,750 | 3,497 |
| Average total loans | $118,382,000 | 3,011 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8189% | 185 |
| Cost of funding earning assets | 1.2321% | 461 |
| Net interest margin | 4.5868% | 423 |
| Noninterest income to average assets | 0.7890% | 1,470 |
| Noninterest expense to average assets | 3.3701% | 895 |
| Loan and lease loss provision to assets | 0.2025% | 2,027 |
| Net operating income to assets | 0.9287% | 2,587 |
| Return on assets (ROA) | 0.9287% | 2,715 |
| Pretax return on assets | 1.1795% | 2,430 |
| Return on Equity (ROE) | 8.6402% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.6021% | 2,234 |
| Net charge-offs to loans | -0.0034% | 3,908 |
| Credit loss provision to net charge-offs | -7,750.0000% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9181% | 1,829 |
| Assets per employee ($millions) | 6.1677% | 2,049 |
| Cash dividends to net income (ytd only)* | 35.1617% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1965% | 336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 74.4144% | 1,357 |
| Net loans and leases to deposits | 92.5584% | 1,087 |
| Net loans and leases to core deposits | 99.5741% | 1,289 |
| Total domestic deposits to total assets | 80.3972% | 3,752 |
| Equity capital to assets | 10.0650% | 3,152 |
| Core capital (leverage) ratio | 9.7537% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8586% | 1,873 |
| Memoranda: | ||
| Average total assets | $153,110,333 | 3,321 |
| Average earning assets | $132,292,000 | 3,444 |
| Average equity | $16,458,000 | 3,513 |
| Average total loans | $116,691,667 | 3,019 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5262% | 359 |
| Cost of funding earning assets | 1.4720% | 298 |
| Net interest margin | 4.0543% | 1,238 |
| Noninterest income to average assets | 0.6311% | 1,899 |
| Noninterest expense to average assets | 3.1912% | 1,444 |
| Loan and lease loss provision to assets | 0.0820% | 2,673 |
| Net operating income to assets | 0.6776% | 3,340 |
| Return on assets (ROA) | 0.6776% | 3,409 |
| Pretax return on assets | 0.8197% | 3,359 |
| Return on Equity (ROE) | 6.0835% | 3,289 |
| Retained earnings to average equity (ytd only) | 3.0172% | 3,077 |
| Net charge-offs to loans | -0.0036% | 3,761 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9706% | 1,338 |
| Assets per employee ($millions) | 5.6200% | 2,005 |
| Cash dividends to net income (ytd only)* | 50.4032% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3312% | 315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.1552% | 1,277 |
| Net loans and leases to deposits | 92.6884% | 1,211 |
| Net loans and leases to core deposits | 102.8628% | 1,253 |
| Total domestic deposits to total assets | 82.1626% | 3,368 |
| Equity capital to assets | 11.2202% | 2,660 |
| Core capital (leverage) ratio | 10.4862% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7681% | 1,983 |
| Memoranda: | ||
| Average total assets | $146,402,000 | 3,374 |
| Average earning assets | $125,003,500 | 3,507 |
| Average equity | $16,306,500 | 3,529 |
| Average total loans | $111,686,000 | 3,062 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9241% | 253 |
| Cost of funding earning assets | 1.6548% | 239 |
| Net interest margin | 4.2693% | 1,166 |
| Noninterest income to average assets | 0.5382% | 2,542 |
| Noninterest expense to average assets | 3.0704% | 1,830 |
| Loan and lease loss provision to assets | 0.1629% | 1,280 |
| Net operating income to assets | 0.8014% | 3,550 |
| Return on assets (ROA) | 0.8137% | 3,607 |
| Pretax return on assets | 0.9760% | 3,522 |
| Return on Equity (ROE) | 7.5717% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.7827% | 3,088 |
| Net charge-offs to loans | 0.0070% | 3,426 |
| Credit loss provision to net charge-offs | 3,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 389 |
| Efficiency ratio | 73.2039% | 1,700 |
| Assets per employee ($millions) | 5.6417% | 1,932 |
| Cash dividends to net income (ytd only)* | 50.0417% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3995% | 248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.8178% | 1,946 |
| Net loans and leases to deposits | 87.8258% | 1,878 |
| Net loans and leases to core deposits | 99.4321% | 1,613 |
| Total domestic deposits to total assets | 82.9116% | 3,226 |
| Equity capital to assets | 11.0564% | 2,940 |
| Core capital (leverage) ratio | 10.4809% | 2,970 |
| Tier 1 risk-based capital ratio | 13.5589% | 3,483 |
| Total risk-based capital ratio | 14.8223% | 3,385 |
| Memoranda: | ||
| Average total assets | $147,343,600 | 3,331 |
| Average earning assets | $126,179,600 | 3,482 |
| Average equity | $15,835,200 | 3,561 |
| Average total loans | $114,590,000 | 3,008 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9024% | 293 |
| Cost of funding earning assets | 1.6674% | 227 |
| Net interest margin | 4.2350% | 1,292 |
| Noninterest income to average assets | 0.3887% | 3,385 |
| Noninterest expense to average assets | 3.0298% | 1,890 |
| Loan and lease loss provision to assets | 0.1627% | 1,148 |
| Net operating income to assets | 0.6808% | 4,074 |
| Return on assets (ROA) | 0.6969% | 4,084 |
| Pretax return on assets | 0.8641% | 3,966 |
| Return on Equity (ROE) | 6.5311% | 3,867 |
| Retained earnings to average equity (ytd only) | 2.7192% | 4,006 |
| Net charge-offs to loans | 0.0046% | 3,238 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 278.6679% | 332 |
| Efficiency ratio | 75.0560% | 1,439 |
| Assets per employee ($millions) | 5.8534% | 1,714 |
| Cash dividends to net income (ytd only)* | 58.3665% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2290% | 319 |
| Loan loss allowance to noncurrent loans | 8,290.3226% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,639 |
| Noncurrent loans to loans | 0.0269% | 4,552 |
| Net loans and leases to total assets | 77.0349% | 1,309 |
| Net loans and leases to deposits | 90.8687% | 1,582 |
| Net loans and leases to core deposits | 102.7996% | 1,434 |
| Total domestic deposits to total assets | 84.7760% | 2,518 |
| Equity capital to assets | 10.9010% | 3,196 |
| Core capital (leverage) ratio | 10.1697% | 3,457 |
| Tier 1 risk-based capital ratio | 12.5539% | 4,111 |
| Total risk-based capital ratio | 13.8145% | 3,979 |
| Memoranda: | ||
| Average total assets | $147,508,500 | 3,368 |
| Average earning assets | $127,064,000 | 3,505 |
| Average equity | $15,739,500 | 3,603 |
| Average total loans | $115,878,000 | 3,023 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8325% | 323 |
| Cost of funding earning assets | 1.6379% | 238 |
| Net interest margin | 4.1946% | 1,379 |
| Noninterest income to average assets | 0.3692% | 3,472 |
| Noninterest expense to average assets | 2.9763% | 2,070 |
| Loan and lease loss provision to assets | 0.1623% | 1,119 |
| Net operating income to assets | 0.6831% | 4,057 |
| Return on assets (ROA) | 0.7072% | 4,037 |
| Pretax return on assets | 0.8722% | 3,925 |
| Return on Equity (ROE) | 6.6757% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.8464% | 3,786 |
| Net charge-offs to loans | 0.0155% | 2,586 |
| Credit loss provision to net charge-offs | 1,333.3333% | 272 |
| Earnings coverage of net charge-offs (x) | 82.5556% | 794 |
| Efficiency ratio | 74.7622% | 1,546 |
| Assets per employee ($millions) | 5.6387% | 1,835 |
| Cash dividends to net income (ytd only)* | 57.3614% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 387 |
| Loan loss allowance to noncurrent loans | 6,109.7561% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,634 |
| Noncurrent loans to loans | 0.0346% | 4,541 |
| Net loans and leases to total assets | 79.2029% | 1,013 |
| Net loans and leases to deposits | 95.2044% | 1,127 |
| Net loans and leases to core deposits | 108.1879% | 1,084 |
| Total domestic deposits to total assets | 83.1925% | 3,146 |
| Equity capital to assets | 10.8133% | 3,256 |
| Core capital (leverage) ratio | 9.9864% | 3,593 |
| Tier 1 risk-based capital ratio | 12.7660% | 3,966 |
| Total risk-based capital ratio | 14.0271% | 3,860 |
| Memoranda: | ||
| Average total assets | $147,899,670 | 3,376 |
| Average earning assets | $127,355,670 | 3,514 |
| Average equity | $15,668,670 | 3,615 |
| Average total loans | $116,071,000 | 3,026 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 356 |
| Cost of funding earning assets | 1.5204% | 302 |
| Net interest margin | 4.1928% | 1,318 |
| Noninterest income to average assets | 0.2666% | 4,097 |
| Noninterest expense to average assets | 2.9594% | 2,108 |
| Loan and lease loss provision to assets | 0.1616% | 1,042 |
| Net operating income to assets | 0.5935% | 4,266 |
| Return on assets (ROA) | 0.6328% | 4,183 |
| Pretax return on assets | 0.7809% | 4,093 |
| Return on Equity (ROE) | 6.0347% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.1828% | 4,015 |
| Net charge-offs to loans | 0.0035% | 2,609 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 332.0000% | 243 |
| Efficiency ratio | 76.7994% | 1,404 |
| Assets per employee ($millions) | 5.6902% | 1,805 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 429 |
| Loan loss allowance to noncurrent loans | 5,006.1224% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,671 |
| Noncurrent loans to loans | 0.0415% | 4,578 |
| Net loans and leases to total assets | 78.0620% | 1,134 |
| Net loans and leases to deposits | 93.7212% | 1,204 |
| Net loans and leases to core deposits | 107.3618% | 1,081 |
| Total domestic deposits to total assets | 83.2917% | 3,286 |
| Equity capital to assets | 10.5540% | 3,302 |
| Core capital (leverage) ratio | 10.2780% | 3,299 |
| Tier 1 risk-based capital ratio | 12.3950% | 4,236 |
| Total risk-based capital ratio | 13.6548% | 4,094 |
| Memoranda: | ||
| Average total assets | $148,546,000 | 3,407 |
| Average earning assets | $127,075,000 | 3,558 |
| Average equity | $15,576,500 | 3,636 |
| Average total loans | $114,795,500 | 3,083 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 310 |
| Cost of funding earning assets | 1.3234% | 199 |
| Net interest margin | 4.3120% | 1,123 |
| Noninterest income to average assets | 0.7935% | 1,470 |
| Noninterest expense to average assets | 3.2952% | 1,333 |
| Loan and lease loss provision to assets | 0.1694% | 1,189 |
| Net operating income to assets | 0.8556% | 3,592 |
| Return on assets (ROA) | 0.8556% | 3,585 |
| Pretax return on assets | 1.0066% | 3,573 |
| Return on Equity (ROE) | 8.0711% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.9090% | 3,431 |
| Net charge-offs to loans | 0.1851% | 1,036 |
| Credit loss provision to net charge-offs | 120.6030% | 2,159 |
| Earnings coverage of net charge-offs (x) | 8.3719% | 2,903 |
| Efficiency ratio | 73.6975% | 1,664 |
| Assets per employee ($millions) | 5.9659% | 1,549 |
| Cash dividends to net income (ytd only)* | 51.5677% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 374 |
| Loan loss allowance to noncurrent loans | 352.5773% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 2,745 |
| Noncurrent loans to loans | 0.6082% | 2,455 |
| Net loans and leases to total assets | 73.2534% | 2,053 |
| Net loans and leases to deposits | 86.9928% | 2,164 |
| Net loans and leases to core deposits | 98.0657% | 1,862 |
| Total domestic deposits to total assets | 84.2063% | 2,934 |
| Equity capital to assets | 10.4185% | 3,265 |
| Core capital (leverage) ratio | 10.0806% | 3,485 |
| Tier 1 risk-based capital ratio | 12.5132% | 4,126 |
| Total risk-based capital ratio | 13.7723% | 3,992 |
| Memoranda: | ||
| Average total assets | $141,659,200 | 3,481 |
| Average earning assets | $120,826,000 | 3,629 |
| Average equity | $15,016,600 | 3,639 |
| Average total loans | $107,533,200 | 3,179 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 322 |
| Cost of funding earning assets | 1.2325% | 215 |
| Net interest margin | 4.3211% | 1,072 |
| Noninterest income to average assets | 0.7802% | 1,538 |
| Noninterest expense to average assets | 3.4404% | 1,068 |
| Loan and lease loss provision to assets | 0.1717% | 1,081 |
| Net operating income to assets | 0.7506% | 4,075 |
| Return on assets (ROA) | 0.7506% | 4,085 |
| Pretax return on assets | 0.8766% | 4,098 |
| Return on Equity (ROE) | 7.0490% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.6902% | 3,924 |
| Net charge-offs to loans | -0.0012% | 4,030 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6468% | 1,275 |
| Assets per employee ($millions) | 5.6253% | 1,802 |
| Cash dividends to net income (ytd only)* | 47.6494% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 332 |
| Loan loss allowance to noncurrent loans | 3,378.6667% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 4,709 |
| Noncurrent loans to loans | 0.0664% | 4,585 |
| Net loans and leases to total assets | 75.5513% | 1,722 |
| Net loans and leases to deposits | 96.0118% | 1,158 |
| Net loans and leases to core deposits | 108.6989% | 1,117 |
| Total domestic deposits to total assets | 78.6896% | 4,382 |
| Equity capital to assets | 10.4590% | 3,179 |
| Core capital (leverage) ratio | 9.9165% | 3,726 |
| Tier 1 risk-based capital ratio | 12.4902% | 4,204 |
| Total risk-based capital ratio | 13.7516% | 4,086 |
| Memoranda: | ||
| Average total assets | $139,787,000 | 3,547 |
| Average earning assets | $119,967,750 | 3,679 |
| Average equity | $14,886,000 | 3,679 |
| Average total loans | $106,504,000 | 3,219 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 353 |
| Cost of funding earning assets | 1.1383% | 248 |
| Net interest margin | 4.3074% | 1,018 |
| Noninterest income to average assets | 1.0535% | 870 |
| Noninterest expense to average assets | 3.8044% | 666 |
| Loan and lease loss provision to assets | 0.1744% | 1,052 |
| Net operating income to assets | 0.6612% | 4,319 |
| Return on assets (ROA) | 0.6612% | 4,321 |
| Pretax return on assets | 0.7644% | 4,353 |
| Return on Equity (ROE) | 6.1699% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.4749% | 3,361 |
| Net charge-offs to loans | 0.0058% | 2,950 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 215.3333% | 402 |
| Efficiency ratio | 80.2083% | 996 |
| Assets per employee ($millions) | 5.3640% | 2,029 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2759% | 329 |
| Loan loss allowance to noncurrent loans | 3,207.7922% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 4,747 |
| Noncurrent loans to loans | 0.0709% | 4,603 |
| Net loans and leases to total assets | 76.0470% | 1,633 |
| Net loans and leases to deposits | 95.0307% | 1,244 |
| Net loans and leases to core deposits | 108.1407% | 1,108 |
| Total domestic deposits to total assets | 80.0237% | 4,235 |
| Equity capital to assets | 10.9368% | 2,695 |
| Core capital (leverage) ratio | 10.3579% | 3,173 |
| Tier 1 risk-based capital ratio | 12.9623% | 3,911 |
| Total risk-based capital ratio | 14.2237% | 3,828 |
| Memoranda: | ||
| Average total assets | $137,630,330 | 3,603 |
| Average earning assets | $117,890,670 | 3,748 |
| Average equity | $14,749,000 | 3,711 |
| Average total loans | $104,327,670 | 3,258 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 390 |
| Cost of funding earning assets | 1.0554% | 288 |
| Net interest margin | 4.2702% | 1,008 |
| Noninterest income to average assets | 0.2867% | 4,253 |
| Noninterest expense to average assets | 2.9931% | 2,082 |
| Loan and lease loss provision to assets | 0.1756% | 993 |
| Net operating income to assets | 0.6320% | 4,334 |
| Return on assets (ROA) | 0.6320% | 4,345 |
| Pretax return on assets | 0.7285% | 4,364 |
| Return on Equity (ROE) | 5.9599% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.5109% | 4,163 |
| Net charge-offs to loans | 0.0274% | 1,949 |
| Credit loss provision to net charge-offs | 857.1429% | 388 |
| Earnings coverage of net charge-offs (x) | 44.1429% | 1,010 |
| Efficiency ratio | 76.8018% | 1,486 |
| Assets per employee ($millions) | 5.3777% | 2,062 |
| Cash dividends to net income (ytd only)* | 57.8704% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3662% | 297 |
| Loan loss allowance to noncurrent loans | 34,371.4286% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,110 |
| Noncurrent loans to loans | 0.0069% | 4,984 |
| Net loans and leases to total assets | 73.8410% | 1,884 |
| Net loans and leases to deposits | 88.6652% | 1,845 |
| Net loans and leases to core deposits | 106.1402% | 1,223 |
| Total domestic deposits to total assets | 83.2806% | 3,586 |
| Equity capital to assets | 10.8061% | 2,765 |
| Core capital (leverage) ratio | 10.0473% | 3,476 |
| Tier 1 risk-based capital ratio | 13.0323% | 3,931 |
| Total risk-based capital ratio | 14.2952% | 3,836 |
| Memoranda: | ||
| Average total assets | $136,713,000 | 3,649 |
| Average earning assets | $115,592,000 | 3,817 |
| Average equity | $14,497,000 | 3,777 |
| Average total loans | $102,227,000 | 3,320 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 548 |
| Cost of funding earning assets | 0.9519% | 285 |
| Net interest margin | 4.1346% | 1,338 |
| Noninterest income to average assets | 0.1973% | 4,966 |
| Noninterest expense to average assets | 2.6386% | 3,323 |
| Loan and lease loss provision to assets | 0.1728% | 1,265 |
| Net operating income to assets | 0.6072% | 3,974 |
| Return on assets (ROA) | 0.6256% | 3,947 |
| Pretax return on assets | 0.9734% | 3,665 |
| Return on Equity (ROE) | 6.0244% | 3,752 |
| Retained earnings to average equity (ytd only) | 2.0382% | 4,097 |
| Net charge-offs to loans | 0.0187% | 3,479 |
| Credit loss provision to net charge-offs | 1,263.1579% | 303 |
| Earnings coverage of net charge-offs (x) | 81.6842% | 758 |
| Efficiency ratio | 70.2511% | 2,508 |
| Assets per employee ($millions) | 5.5593% | 1,879 |
| Cash dividends to net income (ytd only)* | 66.1680% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2905% | 315 |
| Loan loss allowance to noncurrent loans | 29,425.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 4,917 |
| Noncurrent loans to loans | 0.0078% | 5,021 |
| Net loans and leases to total assets | 72.2534% | 2,191 |
| Net loans and leases to deposits | 90.0644% | 1,766 |
| Net loans and leases to core deposits | 106.7798% | 1,224 |
| Total domestic deposits to total assets | 80.2242% | 4,295 |
| Equity capital to assets | 10.4085% | 3,256 |
| Core capital (leverage) ratio | 10.0778% | 3,352 |
| Tier 1 risk-based capital ratio | 12.8273% | 4,019 |
| Total risk-based capital ratio | 14.0901% | 3,902 |
| Memoranda: | ||
| Average total assets | $138,900,800 | 3,627 |
| Average earning assets | $119,551,800 | 3,753 |
| Average equity | $14,424,600 | 3,791 |
| Average total loans | $101,487,400 | 3,325 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 591 |
| Cost of funding earning assets | 0.9389% | 276 |
| Net interest margin | 4.0782% | 1,452 |
| Noninterest income to average assets | 0.1440% | 5,290 |
| Noninterest expense to average assets | 2.5662% | 3,512 |
| Loan and lease loss provision to assets | 0.1728% | 1,166 |
| Net operating income to assets | 0.7266% | 3,837 |
| Return on assets (ROA) | 0.7565% | 3,772 |
| Pretax return on assets | 0.9754% | 3,782 |
| Return on Equity (ROE) | 7.2889% | 3,498 |
| Retained earnings to average equity (ytd only) | 3.8202% | 3,647 |
| Net charge-offs to loans | 0.0171% | 3,167 |
| Credit loss provision to net charge-offs | 1,384.6154% | 269 |
| Earnings coverage of net charge-offs (x) | 88.9377% | 749 |
| Efficiency ratio | 69.8093% | 2,564 |
| Assets per employee ($millions) | 5.9110% | 1,564 |
| Cash dividends to net income (ytd only)* | 47.5891% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2167% | 394 |
| Loan loss allowance to noncurrent loans | 3,431.3433% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 4,988 |
| Noncurrent loans to loans | 0.0646% | 4,816 |
| Net loans and leases to total assets | 74.5936% | 1,823 |
| Net loans and leases to deposits | 94.3157% | 1,265 |
| Net loans and leases to core deposits | 111.3866% | 957 |
| Total domestic deposits to total assets | 79.0893% | 4,514 |
| Equity capital to assets | 10.7706% | 3,095 |
| Core capital (leverage) ratio | 10.1464% | 3,384 |
| Tier 1 risk-based capital ratio | 12.9580% | 4,039 |
| Total risk-based capital ratio | 14.2204% | 3,938 |
| Memoranda: | ||
| Average total assets | $138,880,250 | 3,665 |
| Average earning assets | $120,278,500 | 3,785 |
| Average equity | $14,414,250 | 3,831 |
| Average total loans | $101,165,750 | 3,361 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 732 |
| Cost of funding earning assets | 0.9325% | 250 |
| Net interest margin | 3.9478% | 1,784 |
| Noninterest income to average assets | 0.1473% | 5,326 |
| Noninterest expense to average assets | 2.5483% | 3,583 |
| Loan and lease loss provision to assets | 0.1716% | 1,132 |
| Net operating income to assets | 0.6826% | 3,922 |
| Return on assets (ROA) | 0.7150% | 3,843 |
| Pretax return on assets | 0.8881% | 3,965 |
| Return on Equity (ROE) | 6.9745% | 3,566 |
| Retained earnings to average equity (ytd only) | 3.4872% | 3,629 |
| Net charge-offs to loans | 0.0159% | 2,929 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 89.1250% | 704 |
| Efficiency ratio | 71.4228% | 2,451 |
| Assets per employee ($millions) | 5.9760% | 1,482 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 451 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,029 |
| Noncurrent loans to loans | 0.0659% | 4,860 |
| Net loans and leases to total assets | 73.4669% | 1,967 |
| Net loans and leases to deposits | 91.8775% | 1,511 |
| Net loans and leases to core deposits | 109.0982% | 1,046 |
| Total domestic deposits to total assets | 79.9617% | 4,425 |
| Equity capital to assets | 10.5415% | 3,285 |
| Core capital (leverage) ratio | 9.8388% | 3,734 |
| Tier 1 risk-based capital ratio | 12.8402% | 4,096 |
| Total risk-based capital ratio | 14.1021% | 4,004 |
| Memoranda: | ||
| Average total assets | $139,855,670 | 3,669 |
| Average earning assets | $121,182,000 | 3,785 |
| Average equity | $14,338,000 | 3,845 |
| Average total loans | $100,317,000 | 3,392 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 1,104 |
| Cost of funding earning assets | 0.9274% | 245 |
| Net interest margin | 3.6868% | 2,527 |
| Noninterest income to average assets | 0.1475% | 5,381 |
| Noninterest expense to average assets | 2.5039% | 3,794 |
| Loan and lease loss provision to assets | 0.1701% | 1,039 |
| Net operating income to assets | 0.5822% | 4,230 |
| Return on assets (ROA) | 0.5870% | 4,254 |
| Pretax return on assets | 0.6919% | 4,479 |
| Return on Equity (ROE) | 5.8054% | 4,001 |
| Retained earnings to average equity (ytd only) | 2.2997% | 4,220 |
| Net charge-offs to loans | -0.0040% | 4,125 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5148% | 2,143 |
| Assets per employee ($millions) | 5.9743% | 1,525 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 449 |
| Loan loss allowance to noncurrent loans | 19,927.2727% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,337 |
| Noncurrent loans to loans | 0.0112% | 5,197 |
| Net loans and leases to total assets | 69.7167% | 2,438 |
| Net loans and leases to deposits | 84.8715% | 2,174 |
| Net loans and leases to core deposits | 103.9295% | 1,229 |
| Total domestic deposits to total assets | 82.1438% | 4,133 |
| Equity capital to assets | 10.4207% | 3,268 |
| Core capital (leverage) ratio | 9.2672% | 4,389 |
| Tier 1 risk-based capital ratio | 13.1585% | 3,989 |
| Total risk-based capital ratio | 14.4205% | 3,888 |
| Memoranda: | ||
| Average total assets | $141,060,000 | 3,678 |
| Average earning assets | $122,924,500 | 3,793 |
| Average equity | $14,262,500 | 3,880 |
| Average total loans | $98,864,500 | 3,440 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 982 |
| Cost of funding earning assets | 0.9256% | 258 |
| Net interest margin | 3.8145% | 2,260 |
| Noninterest income to average assets | 0.2486% | 4,937 |
| Noninterest expense to average assets | 2.5408% | 3,870 |
| Loan and lease loss provision to assets | 0.1594% | 1,554 |
| Net operating income to assets | 0.7083% | 3,745 |
| Return on assets (ROA) | 0.7112% | 3,849 |
| Pretax return on assets | 0.8798% | 3,915 |
| Return on Equity (ROE) | 7.1242% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.5763% | 3,380 |
| Net charge-offs to loans | -0.0029% | 4,743 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0438% | 2,737 |
| Assets per employee ($millions) | 6.2918% | 1,269 |
| Cash dividends to net income (ytd only)* | 49.8008% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1376% | 512 |
| Loan loss allowance to noncurrent loans | 17,766.6667% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,379 |
| Noncurrent loans to loans | 0.0120% | 5,235 |
| Net loans and leases to total assets | 67.4503% | 2,863 |
| Net loans and leases to deposits | 78.4485% | 3,053 |
| Net loans and leases to core deposits | 96.3468% | 1,897 |
| Total domestic deposits to total assets | 85.9803% | 2,592 |
| Equity capital to assets | 9.8168% | 3,921 |
| Core capital (leverage) ratio | 9.5913% | 3,976 |
| Tier 1 risk-based capital ratio | 12.8281% | 4,183 |
| Total risk-based capital ratio | 14.0896% | 4,072 |
| Memoranda: | ||
| Average total assets | $141,175,600 | 3,651 |
| Average earning assets | $123,161,800 | 3,768 |
| Average equity | $14,092,800 | 3,930 |
| Average total loans | $103,318,000 | 3,326 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 930 |
| Cost of funding earning assets | 0.9228% | 259 |
| Net interest margin | 3.8610% | 2,113 |
| Noninterest income to average assets | 0.2176% | 5,162 |
| Noninterest expense to average assets | 2.5432% | 3,852 |
| Loan and lease loss provision to assets | 0.1568% | 1,478 |
| Net operating income to assets | 0.7234% | 3,730 |
| Return on assets (ROA) | 0.7403% | 3,774 |
| Pretax return on assets | 0.9105% | 3,944 |
| Return on Equity (ROE) | 7.3848% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,406 |
| Net charge-offs to loans | -0.0038% | 4,569 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8499% | 2,769 |
| Assets per employee ($millions) | 5.9875% | 1,442 |
| Cash dividends to net income (ytd only)* | 44.9299% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 725 |
| Loan loss allowance to noncurrent loans | 15,938.4615% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,489 |
| Noncurrent loans to loans | 0.0126% | 5,351 |
| Net loans and leases to total assets | 73.6452% | 1,933 |
| Net loans and leases to deposits | 88.9687% | 1,889 |
| Net loans and leases to core deposits | 113.8529% | 726 |
| Total domestic deposits to total assets | 82.7765% | 3,677 |
| Equity capital to assets | 10.3803% | 3,705 |
| Core capital (leverage) ratio | 9.9649% | 3,615 |
| Tier 1 risk-based capital ratio | 12.3758% | 4,555 |
| Total risk-based capital ratio | 13.6351% | 4,447 |
| Memoranda: | ||
| Average total assets | $140,291,750 | 3,689 |
| Average earning assets | $122,521,250 | 3,804 |
| Average equity | $14,064,500 | 3,968 |
| Average total loans | $104,212,500 | 3,325 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 864 |
| Cost of funding earning assets | 0.9104% | 277 |
| Net interest margin | 3.9008% | 1,975 |
| Noninterest income to average assets | 0.1814% | 5,408 |
| Noninterest expense to average assets | 2.5193% | 3,984 |
| Loan and lease loss provision to assets | 0.1488% | 1,546 |
| Net operating income to assets | 0.7484% | 3,556 |
| Return on assets (ROA) | 0.7736% | 3,577 |
| Pretax return on assets | 0.9564% | 3,759 |
| Return on Equity (ROE) | 7.8069% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.2323% | 3,217 |
| Net charge-offs to loans | -0.0038% | 4,472 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1104% | 2,965 |
| Assets per employee ($millions) | 5.8750% | 1,492 |
| Cash dividends to net income (ytd only)* | 45.7875% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 830 |
| Loan loss allowance to noncurrent loans | 14,364.2857% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,578 |
| Noncurrent loans to loans | 0.0135% | 5,435 |
| Net loans and leases to total assets | 75.0226% | 1,645 |
| Net loans and leases to deposits | 91.7064% | 1,555 |
| Net loans and leases to core deposits | 117.0288% | 609 |
| Total domestic deposits to total assets | 81.8074% | 4,052 |
| Equity capital to assets | 10.4680% | 3,671 |
| Core capital (leverage) ratio | 9.3373% | 4,411 |
| Tier 1 risk-based capital ratio | 12.5176% | 4,508 |
| Total risk-based capital ratio | 13.7763% | 4,416 |
| Memoranda: | ||
| Average total assets | $141,151,330 | 3,693 |
| Average earning assets | $123,462,330 | 3,814 |
| Average equity | $13,987,670 | 3,996 |
| Average total loans | $104,453,000 | 3,333 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 1,270 |
| Cost of funding earning assets | 0.8737% | 331 |
| Net interest margin | 3.7241% | 2,576 |
| Noninterest income to average assets | 0.1914% | 5,358 |
| Noninterest expense to average assets | 2.4500% | 4,226 |
| Loan and lease loss provision to assets | 0.1249% | 1,698 |
| Net operating income to assets | 0.7351% | 3,562 |
| Return on assets (ROA) | 0.7464% | 3,608 |
| Pretax return on assets | 0.9184% | 3,774 |
| Return on Equity (ROE) | 7.7360% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.1412% | 3,416 |
| Net charge-offs to loans | -0.0076% | 4,422 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4147% | 3,051 |
| Assets per employee ($millions) | 6.2578% | 1,242 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 1,051 |
| Loan loss allowance to noncurrent loans | 12,193.7500% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,626 |
| Noncurrent loans to loans | 0.0152% | 5,458 |
| Net loans and leases to total assets | 71.8655% | 2,064 |
| Net loans and leases to deposits | 92.8843% | 1,239 |
| Net loans and leases to core deposits | 129.5282% | 278 |
| Total domestic deposits to total assets | 77.3709% | 5,239 |
| Equity capital to assets | 9.7276% | 4,421 |
| Core capital (leverage) ratio | 9.0417% | 4,801 |
| Tier 1 risk-based capital ratio | 11.7944% | 5,050 |
| Total risk-based capital ratio | 13.0513% | 4,948 |
| Memoranda: | ||
| Average total assets | $144,164,000 | 3,665 |
| Average earning assets | $127,278,000 | 3,762 |
| Average equity | $13,909,000 | 4,016 |
| Average total loans | $104,986,500 | 3,334 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 806 |
| Cost of funding earning assets | 0.8397% | 400 |
| Net interest margin | 4.0388% | 1,594 |
| Noninterest income to average assets | 0.2327% | 5,203 |
| Noninterest expense to average assets | 2.7396% | 3,448 |
| Loan and lease loss provision to assets | 0.1185% | 2,010 |
| Net operating income to assets | 0.7178% | 3,722 |
| Return on assets (ROA) | 0.7483% | 3,678 |
| Pretax return on assets | 0.8818% | 3,916 |
| Return on Equity (ROE) | 7.6919% | 3,140 |
| Retained earnings to average equity (ytd only) | 4.3700% | 2,871 |
| Net charge-offs to loans | -0.0009% | 4,835 |
| Credit loss provision to net charge-offs | -16,500.0000% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9628% | 2,585 |
| Assets per employee ($millions) | 6.5635% | 1,069 |
| Cash dividends to net income (ytd only)* | 43.1862% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 1,101 |
| Loan loss allowance to noncurrent loans | 10,577.7778% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,654 |
| Noncurrent loans to loans | 0.0172% | 5,454 |
| Net loans and leases to total assets | 71.1104% | 2,182 |
| Net loans and leases to deposits | 87.0637% | 1,992 |
| Net loans and leases to core deposits | 118.4706% | 524 |
| Total domestic deposits to total assets | 81.6763% | 4,271 |
| Equity capital to assets | 9.5950% | 4,441 |
| Core capital (leverage) ratio | 9.2475% | 4,549 |
| Tier 1 risk-based capital ratio | 12.0055% | 4,946 |
| Total risk-based capital ratio | 13.2633% | 4,839 |
| Memoranda: | ||
| Average total assets | $139,254,400 | 3,732 |
| Average earning assets | $119,688,000 | 3,893 |
| Average equity | $13,546,800 | 4,042 |
| Average total loans | $105,699,200 | 3,285 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 781 |
| Cost of funding earning assets | 0.8437% | 392 |
| Net interest margin | 4.0462% | 1,571 |
| Noninterest income to average assets | 0.2319% | 5,270 |
| Noninterest expense to average assets | 2.7223% | 3,489 |
| Loan and lease loss provision to assets | 0.1160% | 1,949 |
| Net operating income to assets | 0.6543% | 4,108 |
| Return on assets (ROA) | 0.6900% | 4,061 |
| Pretax return on assets | 0.8929% | 4,006 |
| Return on Equity (ROE) | 7.0675% | 3,584 |
| Retained earnings to average equity (ytd only) | 3.6030% | 3,905 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8788% | 2,575 |
| Assets per employee ($millions) | 6.2464% | 1,203 |
| Cash dividends to net income (ytd only)* | 49.0199% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 1,289 |
| Loan loss allowance to noncurrent loans | 9,290.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,744 |
| Noncurrent loans to loans | 0.0193% | 5,561 |
| Net loans and leases to total assets | 74.2061% | 1,701 |
| Net loans and leases to deposits | 91.1548% | 1,506 |
| Net loans and leases to core deposits | 127.9714% | 310 |
| Total domestic deposits to total assets | 81.4066% | 4,362 |
| Equity capital to assets | 9.9323% | 4,253 |
| Core capital (leverage) ratio | 9.7543% | 3,959 |
| Tier 1 risk-based capital ratio | 11.6213% | 5,314 |
| Total risk-based capital ratio | 12.8770% | 5,234 |
| Memoranda: | ||
| Average total assets | $137,968,500 | 3,786 |
| Average earning assets | $117,736,750 | 3,968 |
| Average equity | $13,469,750 | 4,095 |
| Average total loans | $105,977,500 | 3,304 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 796 |
| Cost of funding earning assets | 0.8308% | 429 |
| Net interest margin | 4.0276% | 1,560 |
| Noninterest income to average assets | 0.2316% | 5,306 |
| Noninterest expense to average assets | 2.6970% | 3,603 |
| Loan and lease loss provision to assets | 0.1086% | 2,017 |
| Net operating income to assets | 0.6805% | 3,975 |
| Return on assets (ROA) | 0.7340% | 3,829 |
| Pretax return on assets | 0.9555% | 3,750 |
| Return on Equity (ROE) | 7.5615% | 3,282 |
| Retained earnings to average equity (ytd only) | 3.8330% | 3,563 |
| Net charge-offs to loans | -0.0037% | 4,674 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0588% | 2,827 |
| Assets per employee ($millions) | 5.9951% | 1,359 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 1,448 |
| Loan loss allowance to noncurrent loans | 116.7203% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1790% | 2,149 |
| Noncurrent loans to loans | 1.5124% | 1,759 |
| Net loans and leases to total assets | 76.5793% | 1,292 |
| Net loans and leases to deposits | 94.0516% | 1,146 |
| Net loans and leases to core deposits | 134.6352% | 215 |
| Total domestic deposits to total assets | 81.4227% | 4,474 |
| Equity capital to assets | 10.2402% | 3,763 |
| Core capital (leverage) ratio | 9.4200% | 4,389 |
| Tier 1 risk-based capital ratio | 11.9701% | 5,175 |
| Total risk-based capital ratio | 13.2262% | 5,071 |
| Memoranda: | ||
| Average total assets | $138,151,330 | 3,821 |
| Average earning assets | $118,679,670 | 3,974 |
| Average equity | $13,410,000 | 4,136 |
| Average total loans | $106,692,670 | 3,306 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 1,072 |
| Cost of funding earning assets | 0.7953% | 516 |
| Net interest margin | 3.8814% | 1,963 |
| Noninterest income to average assets | 0.2661% | 5,049 |
| Noninterest expense to average assets | 2.6415% | 3,781 |
| Loan and lease loss provision to assets | 0.0849% | 2,273 |
| Net operating income to assets | 0.6827% | 3,883 |
| Return on assets (ROA) | 0.7220% | 3,818 |
| Pretax return on assets | 0.9343% | 3,763 |
| Return on Equity (ROE) | 7.6336% | 3,146 |
| Retained earnings to average equity (ytd only) | 3.8916% | 3,667 |
| Net charge-offs to loans | -0.0037% | 4,434 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1765% | 2,961 |
| Assets per employee ($millions) | 5.9156% | 1,455 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 1,909 |
| Loan loss allowance to noncurrent loans | 8,040.9091% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,884 |
| Noncurrent loans to loans | 0.0204% | 5,721 |
| Net loans and leases to total assets | 77.7979% | 960 |
| Net loans and leases to deposits | 95.8387% | 837 |
| Net loans and leases to core deposits | 132.9837% | 215 |
| Total domestic deposits to total assets | 81.1758% | 4,776 |
| Equity capital to assets | 9.8788% | 4,292 |
| Core capital (leverage) ratio | 9.2821% | 4,608 |
| Tier 1 risk-based capital ratio | 11.2750% | 5,679 |
| Total risk-based capital ratio | 12.1804% | 5,764 |
| Memoranda: | ||
| Average total assets | $141,281,000 | 3,792 |
| Average earning assets | $121,709,000 | 3,942 |
| Average equity | $13,362,000 | 4,179 |
| Average total loans | $108,630,500 | 3,284 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9997% | 776 |
| Cost of funding earning assets | 0.8496% | 509 |
| Net interest margin | 4.1501% | 1,432 |
| Noninterest income to average assets | 0.2373% | 5,438 |
| Noninterest expense to average assets | 2.8257% | 3,396 |
| Loan and lease loss provision to assets | 0.0890% | 2,692 |
| Net operating income to assets | 0.7211% | 3,788 |
| Return on assets (ROA) | 0.7558% | 3,704 |
| Pretax return on assets | 0.9226% | 3,811 |
| Return on Equity (ROE) | 8.7630% | 2,701 |
| Retained earnings to average equity (ytd only) | 4.4632% | 3,000 |
| Net charge-offs to loans | -0.0109% | 5,576 |
| Credit loss provision to net charge-offs | -1,090.9091% | 5,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4577% | 2,759 |
| Assets per employee ($millions) | 6.3697% | 1,135 |
| Cash dividends to net income (ytd only)* | 49.0677% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 2,144 |
| Loan loss allowance to noncurrent loans | 7,556.5217% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 5,990 |
| Noncurrent loans to loans | 0.0210% | 5,805 |
| Net loans and leases to total assets | 73.6524% | 1,646 |
| Net loans and leases to deposits | 89.1967% | 1,594 |
| Net loans and leases to core deposits | 114.5820% | 576 |
| Total domestic deposits to total assets | 82.5731% | 4,225 |
| Equity capital to assets | 9.0667% | 5,219 |
| Core capital (leverage) ratio | 9.1307% | 4,778 |
| Tier 1 risk-based capital ratio | 10.7949% | 5,993 |
| Total risk-based capital ratio | 12.0483% | 5,926 |
| Memoranda: | ||
| Average total assets | $134,831,600 | 3,886 |
| Average earning assets | $115,586,200 | 4,058 |
| Average equity | $11,628,400 | 4,429 |
| Average total loans | $100,708,400 | 3,404 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 769 |
| Cost of funding earning assets | 0.8599% | 517 |
| Net interest margin | 4.1422% | 1,457 |
| Noninterest income to average assets | 0.1829% | 5,825 |
| Noninterest expense to average assets | 2.7351% | 3,693 |
| Loan and lease loss provision to assets | 0.0910% | 2,534 |
| Net operating income to assets | 0.7376% | 3,737 |
| Return on assets (ROA) | 0.7490% | 3,766 |
| Pretax return on assets | 0.9400% | 3,826 |
| Return on Equity (ROE) | 8.8096% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.8096% | 1,056 |
| Net charge-offs to loans | -0.0271% | 5,704 |
| Credit loss provision to net charge-offs | -450.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8987% | 3,021 |
| Assets per employee ($millions) | 5.8581% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 2,034 |
| Loan loss allowance to noncurrent loans | 5,203.0303% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 6,074 |
| Noncurrent loans to loans | 0.0323% | 5,907 |
| Net loans and leases to total assets | 74.5836% | 1,428 |
| Net loans and leases to deposits | 91.0360% | 1,322 |
| Net loans and leases to core deposits | 115.1759% | 543 |
| Total domestic deposits to total assets | 81.9276% | 4,502 |
| Equity capital to assets | 8.8788% | 5,484 |
| Core capital (leverage) ratio | 8.5375% | 5,615 |
| Tier 1 risk-based capital ratio | 10.1542% | 6,310 |
| Total risk-based capital ratio | 11.4082% | 6,271 |
| Memoranda: | ||
| Average total assets | $131,913,750 | 3,973 |
| Average earning assets | $113,656,500 | 4,136 |
| Average equity | $11,214,750 | 4,547 |
| Average total loans | $98,475,250 | 3,477 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 768 |
| Cost of funding earning assets | 0.8587% | 533 |
| Net interest margin | 4.1292% | 1,429 |
| Noninterest income to average assets | 0.1985% | 5,771 |
| Noninterest expense to average assets | 2.7517% | 3,696 |
| Loan and lease loss provision to assets | 0.0916% | 2,497 |
| Net operating income to assets | 0.7363% | 3,640 |
| Return on assets (ROA) | 0.7620% | 3,611 |
| Pretax return on assets | 0.9559% | 3,657 |
| Return on Equity (ROE) | 9.1014% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.1014% | 956 |
| Net charge-offs to loans | -0.0453% | 5,827 |
| Credit loss provision to net charge-offs | -272.7273% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0442% | 3,151 |
| Assets per employee ($millions) | 5.6923% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 2,181 |
| Loan loss allowance to noncurrent loans | 6,255.5556% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 6,163 |
| Noncurrent loans to loans | 0.0269% | 5,987 |
| Net loans and leases to total assets | 75.4757% | 1,238 |
| Net loans and leases to deposits | 88.8368% | 1,496 |
| Net loans and leases to core deposits | 108.8571% | 735 |
| Total domestic deposits to total assets | 84.9599% | 3,527 |
| Equity capital to assets | 8.5799% | 5,733 |
| Core capital (leverage) ratio | 7.8316% | 6,192 |
| Tier 1 risk-based capital ratio | 9.6845% | 6,469 |
| Total risk-based capital ratio | 10.9386% | 6,453 |
| Memoranda: | ||
| Average total assets | $130,973,000 | 4,013 |
| Average earning assets | $113,193,330 | 4,163 |
| Average equity | $10,965,330 | 4,617 |
| Average total loans | $97,231,000 | 3,509 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 973 |
| Cost of funding earning assets | 0.8395% | 614 |
| Net interest margin | 3.9991% | 1,767 |
| Noninterest income to average assets | 0.1863% | 5,850 |
| Noninterest expense to average assets | 2.6565% | 4,091 |
| Loan and lease loss provision to assets | 0.0916% | 2,390 |
| Net operating income to assets | 0.7157% | 3,599 |
| Return on assets (ROA) | 0.7206% | 3,668 |
| Pretax return on assets | 0.8916% | 3,731 |
| Return on Equity (ROE) | 8.7153% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.7153% | 1,340 |
| Net charge-offs to loans | -0.0418% | 5,732 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1092% | 3,294 |
| Assets per employee ($millions) | 5.9120% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 2,431 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,250 |
| Noncurrent loans to loans | 0.0274% | 6,076 |
| Net loans and leases to total assets | 71.1501% | 1,705 |
| Net loans and leases to deposits | 86.9964% | 1,466 |
| Net loans and leases to core deposits | 119.4054% | 336 |
| Total domestic deposits to total assets | 81.7850% | 5,002 |
| Equity capital to assets | 8.0764% | 5,998 |
| Core capital (leverage) ratio | 7.8590% | 6,201 |
| Tier 1 risk-based capital ratio | 9.2946% | 6,578 |
| Total risk-based capital ratio | 10.5478% | 6,568 |
| Memoranda: | ||
| Average total assets | $130,998,000 | 4,050 |
| Average earning assets | $112,925,000 | 4,197 |
| Average equity | $10,831,500 | 4,660 |
| Average total loans | $95,594,500 | 3,566 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 1,399 |
| Cost of funding earning assets | 0.8408% | 990 |
| Net interest margin | 3.9212% | 2,214 |
| Noninterest income to average assets | 0.2572% | 5,505 |
| Noninterest expense to average assets | 2.7532% | 3,896 |
| Loan and lease loss provision to assets | 0.0631% | 3,872 |
| Net operating income to assets | 0.6623% | 3,971 |
| Return on assets (ROA) | 0.7029% | 3,866 |
| Pretax return on assets | 0.8489% | 3,968 |
| Return on Equity (ROE) | 8.3435% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.1296% | 3,233 |
| Net charge-offs to loans | 0.0046% | 5,391 |
| Credit loss provision to net charge-offs | 2,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 273.5000% | 165 |
| Efficiency ratio | 76.1344% | 2,753 |
| Assets per employee ($millions) | 4.0652% | 3,722 |
| Cash dividends to net income (ytd only)* | 50.5051% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 2,295 |
| Loan loss allowance to noncurrent loans | 3,279.5918% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 6,260 |
| Noncurrent loans to loans | 0.0528% | 6,073 |
| Net loans and leases to total assets | 72.3599% | 1,627 |
| Net loans and leases to deposits | 85.5976% | 1,734 |
| Net loans and leases to core deposits | 109.1954% | 642 |
| Total domestic deposits to total assets | 84.5350% | 3,949 |
| Equity capital to assets | 8.4756% | 5,602 |
| Core capital (leverage) ratio | 7.9001% | 6,202 |
| Tier 1 risk-based capital ratio | 9.6420% | 6,586 |
| Total risk-based capital ratio | 10.8961% | 6,564 |
| Memoranda: | ||
| Average total assets | $126,759,600 | 4,131 |
| Average earning assets | $108,588,600 | 4,295 |
| Average equity | $10,679,000 | 4,702 |
| Average total loans | $87,881,600 | 3,739 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 1,577 |
| Cost of funding earning assets | 0.8369% | 1,110 |
| Net interest margin | 3.8711% | 2,376 |
| Noninterest income to average assets | 0.2174% | 5,877 |
| Noninterest expense to average assets | 2.5806% | 4,457 |
| Loan and lease loss provision to assets | 0.0410% | 4,186 |
| Net operating income to assets | 0.7338% | 3,680 |
| Return on assets (ROA) | 0.7594% | 3,692 |
| Pretax return on assets | 0.9358% | 3,737 |
| Return on Equity (ROE) | 9.0273% | 2,617 |
| Retained earnings to average equity (ytd only) | 9.0273% | 1,048 |
| Net charge-offs to loans | 0.0015% | 5,192 |
| Credit loss provision to net charge-offs | 3,900.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 902.2331% | 51 |
| Efficiency ratio | 73.1903% | 3,192 |
| Assets per employee ($millions) | 4.2686% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,527 |
| Loan loss allowance to noncurrent loans | 5,230.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 6,414 |
| Noncurrent loans to loans | 0.0330% | 6,242 |
| Net loans and leases to total assets | 69.6866% | 2,019 |
| Net loans and leases to deposits | 86.2789% | 1,584 |
| Net loans and leases to core deposits | 110.2627% | 570 |
| Total domestic deposits to total assets | 80.7690% | 5,281 |
| Equity capital to assets | 8.5890% | 5,635 |
| Core capital (leverage) ratio | 8.1228% | 6,133 |
| Tier 1 risk-based capital ratio | 10.1551% | 6,551 |
| Total risk-based capital ratio | 11.4086% | 6,521 |
| Memoranda: | ||
| Average total assets | $126,944,500 | 4,180 |
| Average earning assets | $108,493,500 | 4,346 |
| Average equity | $10,678,500 | 4,759 |
| Average total loans | $86,653,250 | 3,797 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 1,663 |
| Cost of funding earning assets | 0.8326% | 1,245 |
| Net interest margin | 3.8329% | 2,433 |
| Noninterest income to average assets | 0.2149% | 5,902 |
| Noninterest expense to average assets | 2.5772% | 4,470 |
| Loan and lease loss provision to assets | 0.0284% | 4,358 |
| Net operating income to assets | 0.7135% | 3,743 |
| Return on assets (ROA) | 0.7537% | 3,698 |
| Pretax return on assets | 0.9244% | 3,812 |
| Return on Equity (ROE) | 9.0241% | 2,598 |
| Retained earnings to average equity (ytd only) | 9.0241% | 1,109 |
| Net charge-offs to loans | 0.0141% | 4,567 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 486 |
| Efficiency ratio | 74.0354% | 3,121 |
| Assets per employee ($millions) | 4.3260% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 2,438 |
| Loan loss allowance to noncurrent loans | 4,821.8750% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 6,458 |
| Noncurrent loans to loans | 0.0373% | 6,289 |
| Net loans and leases to total assets | 67.1824% | 2,382 |
| Net loans and leases to deposits | 80.1642% | 2,297 |
| Net loans and leases to core deposits | 107.4189% | 661 |
| Total domestic deposits to total assets | 83.8060% | 4,402 |
| Equity capital to assets | 8.5051% | 5,759 |
| Core capital (leverage) ratio | 7.9732% | 6,206 |
| Tier 1 risk-based capital ratio | 10.4829% | 6,508 |
| Total risk-based capital ratio | 11.7372% | 6,483 |
| Memoranda: | ||
| Average total assets | $126,573,000 | 4,214 |
| Average earning assets | $107,856,330 | 4,388 |
| Average equity | $10,571,670 | 4,815 |
| Average total loans | $85,268,000 | 3,846 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 2,070 |
| Cost of funding earning assets | 0.8325% | 1,354 |
| Net interest margin | 3.6964% | 2,866 |
| Noninterest income to average assets | 0.1951% | 6,080 |
| Noninterest expense to average assets | 2.4950% | 4,773 |
| Loan and lease loss provision to assets | 0.0283% | 4,109 |
| Net operating income to assets | 0.6833% | 3,765 |
| Return on assets (ROA) | 0.6859% | 3,905 |
| Pretax return on assets | 0.8180% | 4,102 |
| Return on Equity (ROE) | 8.2870% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.2870% | 1,646 |
| Net charge-offs to loans | 0.0188% | 3,784 |
| Credit loss provision to net charge-offs | 225.0000% | 1,001 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 535 |
| Efficiency ratio | 74.7408% | 3,132 |
| Assets per employee ($millions) | 4.6185% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,560 |
| Loan loss allowance to noncurrent loans | 4,151.3514% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 6,518 |
| Noncurrent loans to loans | 0.0438% | 6,349 |
| Net loans and leases to total assets | 66.5445% | 2,275 |
| Net loans and leases to deposits | 79.7197% | 2,112 |
| Net loans and leases to core deposits | 96.8601% | 1,153 |
| Total domestic deposits to total assets | 83.4731% | 4,683 |
| Equity capital to assets | 8.5357% | 5,986 |
| Core capital (leverage) ratio | 7.8449% | 6,254 |
| Tier 1 risk-based capital ratio | 10.4573% | 6,590 |
| Total risk-based capital ratio | 11.7118% | 6,572 |
| Memoranda: | ||
| Average total assets | $127,132,500 | 4,238 |
| Average earning assets | $108,106,000 | 4,421 |
| Average equity | $10,522,500 | 4,880 |
| Average total loans | $84,989,000 | 3,868 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 1,723 |
| Cost of funding earning assets | 0.9808% | 1,462 |
| Net interest margin | 3.9569% | 2,577 |
| Noninterest income to average assets | 0.3535% | 4,939 |
| Noninterest expense to average assets | 2.8887% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6980% | 3,749 |
| Return on assets (ROA) | 0.8437% | 3,332 |
| Pretax return on assets | 1.0505% | 3,354 |
| Return on Equity (ROE) | 9.7606% | 2,284 |
| Retained earnings to average equity (ytd only) | 3.5649% | 3,702 |
| Net charge-offs to loans | 0.0051% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 263.5000% | 149 |
| Efficiency ratio | 76.8860% | 2,612 |
| Assets per employee ($millions) | 4.7987% | 2,497 |
| Cash dividends to net income (ytd only)* | 63.4766% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 2,612 |
| Loan loss allowance to noncurrent loans | 3,734.1463% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 6,578 |
| Noncurrent loans to loans | 0.0480% | 6,383 |
| Net loans and leases to total assets | 64.7783% | 2,759 |
| Net loans and leases to deposits | 81.3662% | 2,095 |
| Net loans and leases to core deposits | 97.7385% | 1,162 |
| Total domestic deposits to total assets | 79.6133% | 5,757 |
| Equity capital to assets | 8.0276% | 6,388 |
| Core capital (leverage) ratio | 8.0020% | 6,191 |
| Tier 1 risk-based capital ratio | 10.0356% | 6,689 |
| Total risk-based capital ratio | 11.2904% | 6,658 |
| Memoranda: | ||
| Average total assets | $121,369,200 | 4,334 |
| Average earning assets | $104,400,600 | 4,483 |
| Average equity | $10,491,200 | 4,869 |
| Average total loans | $78,541,000 | 4,083 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 1,762 |
| Cost of funding earning assets | 1.0062% | 1,519 |
| Net interest margin | 3.9683% | 2,635 |
| Noninterest income to average assets | 0.2916% | 5,439 |
| Noninterest expense to average assets | 2.7086% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7665% | 3,621 |
| Return on assets (ROA) | 0.8872% | 3,285 |
| Pretax return on assets | 1.1967% | 2,999 |
| Return on Equity (ROE) | 10.0691% | 2,320 |
| Retained earnings to average equity (ytd only) | 10.0691% | 898 |
| Net charge-offs to loans | -0.0104% | 6,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3798% | 3,250 |
| Assets per employee ($millions) | 4.3329% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9644% | 2,276 |
| Loan loss allowance to noncurrent loans | 3,144.8980% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,657 |
| Noncurrent loans to loans | 0.0625% | 6,461 |
| Net loans and leases to total assets | 65.7372% | 2,705 |
| Net loans and leases to deposits | 80.4873% | 2,317 |
| Net loans and leases to core deposits | 97.0753% | 1,330 |
| Total domestic deposits to total assets | 81.6740% | 5,137 |
| Equity capital to assets | 9.3241% | 5,441 |
| Core capital (leverage) ratio | 8.4725% | 5,790 |
| Tier 1 risk-based capital ratio | 11.5711% | 6,187 |
| Total risk-based capital ratio | 12.8279% | 6,162 |
| Memoranda: | ||
| Average total assets | $119,320,250 | 4,415 |
| Average earning assets | $103,753,500 | 4,549 |
| Average equity | $10,513,750 | 4,911 |
| Average total loans | $76,811,000 | 4,174 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 1,971 |
| Cost of funding earning assets | 1.0088% | 1,718 |
| Net interest margin | 3.9283% | 2,801 |
| Noninterest income to average assets | 0.2448% | 5,821 |
| Noninterest expense to average assets | 2.6112% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7808% | 3,462 |
| Return on assets (ROA) | 0.9109% | 3,118 |
| Pretax return on assets | 1.2423% | 2,758 |
| Return on Equity (ROE) | 10.5371% | 2,156 |
| Retained earnings to average equity (ytd only) | 10.5371% | 842 |
| Net charge-offs to loans | -0.0079% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0467% | 3,591 |
| Assets per employee ($millions) | 4.7346% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,286 |
| Loan loss allowance to noncurrent loans | 221.6138% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 5,302 |
| Noncurrent loans to loans | 0.8929% | 4,709 |
| Net loans and leases to total assets | 64.3625% | 2,959 |
| Net loans and leases to deposits | 77.1573% | 2,810 |
| Net loans and leases to core deposits | 102.5523% | 947 |
| Total domestic deposits to total assets | 83.4173% | 4,571 |
| Equity capital to assets | 9.0027% | 5,698 |
| Core capital (leverage) ratio | 8.0887% | 6,176 |
| Tier 1 risk-based capital ratio | 11.4673% | 6,234 |
| Total risk-based capital ratio | 12.7247% | 6,210 |
| Memoranda: | ||
| Average total assets | $120,098,000 | 4,421 |
| Average earning assets | $104,880,330 | 4,538 |
| Average equity | $10,382,330 | 4,942 |
| Average total loans | $76,266,330 | 4,209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 2,424 |
| Cost of funding earning assets | 1.0200% | 1,868 |
| Net interest margin | 3.8345% | 3,219 |
| Noninterest income to average assets | 0.1984% | 6,199 |
| Noninterest expense to average assets | 2.4106% | 5,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8465% | 3,180 |
| Return on assets (ROA) | 0.8465% | 3,419 |
| Pretax return on assets | 1.1441% | 3,141 |
| Return on Equity (ROE) | 9.9946% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.9946% | 1,270 |
| Net charge-offs to loans | -0.0953% | 6,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8140% | 4,207 |
| Assets per employee ($millions) | 5.0311% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 2,304 |
| Loan loss allowance to noncurrent loans | 2,545.9016% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 6,769 |
| Noncurrent loans to loans | 0.0793% | 6,550 |
| Net loans and leases to total assets | 62.4239% | 3,166 |
| Net loans and leases to deposits | 73.4012% | 3,216 |
| Net loans and leases to core deposits | 100.5563% | 954 |
| Total domestic deposits to total assets | 85.0448% | 4,017 |
| Equity capital to assets | 8.6288% | 5,952 |
| Core capital (leverage) ratio | 7.7725% | 6,434 |
| Tier 1 risk-based capital ratio | 10.6604% | 6,688 |
| Total risk-based capital ratio | 11.9169% | 6,666 |
| Memoranda: | ||
| Average total assets | $120,965,000 | 4,433 |
| Average earning assets | $105,882,000 | 4,549 |
| Average equity | $10,245,500 | 4,987 |
| Average total loans | $75,539,500 | 4,253 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 2,430 |
| Cost of funding earning assets | 1.2216% | 1,888 |
| Net interest margin | 3.8839% | 3,404 |
| Noninterest income to average assets | 0.3937% | 4,668 |
| Noninterest expense to average assets | 2.8887% | 4,001 |
| Loan and lease loss provision to assets | 0.0089% | 6,426 |
| Net operating income to assets | 0.5836% | 4,083 |
| Return on assets (ROA) | 0.7768% | 3,311 |
| Pretax return on assets | 1.0998% | 2,837 |
| Return on Equity (ROE) | 8.5867% | 2,639 |
| Retained earnings to average equity (ytd only) | 3.3932% | 3,805 |
| Net charge-offs to loans | -0.0368% | 7,021 |
| Credit loss provision to net charge-offs | -40.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5402% | 2,655 |
| Assets per employee ($millions) | 5.0493% | 2,129 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 2,083 |
| Loan loss allowance to noncurrent loans | 2,475.8065% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 6,832 |
| Noncurrent loans to loans | 0.0836% | 6,601 |
| Net loans and leases to total assets | 59.9226% | 4,005 |
| Net loans and leases to deposits | 70.2649% | 4,052 |
| Net loans and leases to core deposits | 88.6805% | 2,298 |
| Total domestic deposits to total assets | 85.2809% | 3,700 |
| Equity capital to assets | 8.3114% | 6,340 |
| Core capital (leverage) ratio | 7.7962% | 6,443 |
| Tier 1 risk-based capital ratio | 10.8187% | 6,548 |
| Total risk-based capital ratio | 12.0762% | 6,528 |
| Memoranda: | ||
| Average total assets | $111,746,400 | 4,600 |
| Average earning assets | $95,857,000 | 4,758 |
| Average equity | $10,108,600 | 4,984 |
| Average total loans | $67,980,800 | 4,559 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1859% | 2,262 |
| Cost of funding earning assets | 1.2606% | 1,931 |
| Net interest margin | 3.9252% | 3,247 |
| Noninterest income to average assets | 0.3291% | 5,232 |
| Noninterest expense to average assets | 2.8071% | 4,317 |
| Loan and lease loss provision to assets | 0.0122% | 6,281 |
| Net operating income to assets | 0.6404% | 3,919 |
| Return on assets (ROA) | 0.8691% | 3,010 |
| Pretax return on assets | 1.1933% | 2,658 |
| Return on Equity (ROE) | 9.3958% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.3958% | 1,015 |
| Net charge-offs to loans | -0.0401% | 7,012 |
| Credit loss provision to net charge-offs | -50.0000% | 6,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8814% | 2,861 |
| Assets per employee ($millions) | 4.3572% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2859% | 1,717 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 6,897 |
| Noncurrent loans to loans | 0.1016% | 6,677 |
| Net loans and leases to total assets | 57.7299% | 4,550 |
| Net loans and leases to deposits | 68.9935% | 4,450 |
| Net loans and leases to core deposits | 89.0670% | 2,349 |
| Total domestic deposits to total assets | 83.6744% | 4,386 |
| Equity capital to assets | 9.2940% | 5,393 |
| Core capital (leverage) ratio | 8.4799% | 5,739 |
| Tier 1 risk-based capital ratio | 12.5435% | 5,457 |
| Total risk-based capital ratio | 13.8030% | 5,438 |
| Memoranda: | ||
| Average total assets | $109,387,250 | 4,691 |
| Average earning assets | $93,919,750 | 4,850 |
| Average equity | $10,117,750 | 5,007 |
| Average total loans | $66,438,250 | 4,653 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 2,003 |
| Cost of funding earning assets | 1.2775% | 2,072 |
| Net interest margin | 3.9885% | 2,897 |
| Noninterest income to average assets | 0.3257% | 5,286 |
| Noninterest expense to average assets | 2.8385% | 4,276 |
| Loan and lease loss provision to assets | 0.0185% | 6,058 |
| Net operating income to assets | 0.6345% | 3,886 |
| Return on assets (ROA) | 0.9141% | 2,678 |
| Pretax return on assets | 1.2601% | 2,265 |
| Return on Equity (ROE) | 9.8991% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.8991% | 872 |
| Net charge-offs to loans | -0.0936% | 7,151 |
| Credit loss provision to net charge-offs | -32.2581% | 6,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0159% | 3,007 |
| Assets per employee ($millions) | 3.8508% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4233% | 1,555 |
| Loan loss allowance to noncurrent loans | 2,110.9589% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 6,933 |
| Noncurrent loans to loans | 0.1148% | 6,690 |
| Net loans and leases to total assets | 57.5489% | 4,716 |
| Net loans and leases to deposits | 69.3315% | 4,519 |
| Net loans and leases to core deposits | 83.4613% | 3,296 |
| Total domestic deposits to total assets | 83.0055% | 4,753 |
| Equity capital to assets | 9.5184% | 4,791 |
| Core capital (leverage) ratio | 8.5051% | 5,547 |
| Tier 1 risk-based capital ratio | 12.9558% | 4,948 |
| Total risk-based capital ratio | 14.2176% | 4,924 |
| Memoranda: | ||
| Average total assets | $108,087,000 | 4,756 |
| Average earning assets | $92,366,670 | 4,926 |
| Average equity | $9,980,670 | 5,053 |
| Average total loans | $66,274,000 | 4,718 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 1,997 |
| Cost of funding earning assets | 1.2673% | 2,379 |
| Net interest margin | 3.9960% | 2,701 |
| Noninterest income to average assets | 0.3142% | 5,414 |
| Noninterest expense to average assets | 2.6280% | 5,119 |
| Loan and lease loss provision to assets | 0.0370% | 5,527 |
| Net operating income to assets | 0.7947% | 3,059 |
| Return on assets (ROA) | 0.7947% | 3,129 |
| Pretax return on assets | 1.0756% | 2,848 |
| Return on Equity (ROE) | 8.7403% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.7403% | 1,477 |
| Net charge-offs to loans | -0.1656% | 7,219 |
| Credit loss provision to net charge-offs | -35.7143% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2569% | 4,206 |
| Assets per employee ($millions) | 4.2098% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2941% | 1,774 |
| Loan loss allowance to noncurrent loans | 2,023.6842% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 6,987 |
| Noncurrent loans to loans | 0.1134% | 6,763 |
| Net loans and leases to total assets | 59.8461% | 4,294 |
| Net loans and leases to deposits | 71.7058% | 4,111 |
| Net loans and leases to core deposits | 85.8495% | 2,894 |
| Total domestic deposits to total assets | 83.4606% | 4,714 |
| Equity capital to assets | 9.1207% | 5,006 |
| Core capital (leverage) ratio | 8.3224% | 5,767 |
| Tier 1 risk-based capital ratio | 11.9996% | 5,691 |
| Total risk-based capital ratio | 13.2592% | 5,671 |
| Memoranda: | ||
| Average total assets | $108,219,000 | 4,784 |
| Average earning assets | $92,792,500 | 4,951 |
| Average equity | $9,839,500 | 5,085 |
| Average total loans | $67,615,000 | 4,699 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5819% | 1,971 |
| Cost of funding earning assets | 1.4660% | 2,846 |
| Net interest margin | 4.1159% | 2,500 |
| Noninterest income to average assets | 0.4491% | 4,520 |
| Noninterest expense to average assets | 2.9565% | 4,011 |
| Loan and lease loss provision to assets | 0.0488% | 6,664 |
| Net operating income to assets | 0.7377% | 3,061 |
| Return on assets (ROA) | 0.8446% | 2,749 |
| Pretax return on assets | 1.1648% | 2,346 |
| Return on Equity (ROE) | 8.7767% | 2,388 |
| Retained earnings to average equity (ytd only) | 3.4498% | 3,453 |
| Net charge-offs to loans | -0.1015% | 7,503 |
| Credit loss provision to net charge-offs | -76.9231% | 7,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4773% | 3,491 |
| Assets per employee ($millions) | 4.1148% | 3,548 |
| Cash dividends to net income (ytd only)* | 60.6936% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1998% | 1,864 |
| Loan loss allowance to noncurrent loans | 477.7070% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 6,510 |
| Noncurrent loans to loans | 0.4605% | 6,126 |
| Net loans and leases to total assets | 62.3346% | 4,218 |
| Net loans and leases to deposits | 74.8698% | 4,052 |
| Net loans and leases to core deposits | 87.9394% | 3,061 |
| Total domestic deposits to total assets | 83.2573% | 4,692 |
| Equity capital to assets | 9.0630% | 5,055 |
| Core capital (leverage) ratio | 8.2332% | 5,783 |
| Tier 1 risk-based capital ratio | 11.6824% | 5,741 |
| Total risk-based capital ratio | 12.9415% | 5,741 |
| Memoranda: | ||
| Average total assets | $102,419,600 | 4,917 |
| Average earning assets | $88,947,600 | 5,053 |
| Average equity | $9,855,600 | 5,175 |
| Average total loans | $64,061,600 | 4,906 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6785% | 1,784 |
| Cost of funding earning assets | 1.5009% | 2,980 |
| Net interest margin | 4.1775% | 2,303 |
| Noninterest income to average assets | 0.3936% | 5,012 |
| Noninterest expense to average assets | 2.7830% | 4,559 |
| Loan and lease loss provision to assets | 0.0592% | 6,476 |
| Net operating income to assets | 0.8701% | 2,733 |
| Return on assets (ROA) | 0.9163% | 2,687 |
| Pretax return on assets | 1.2493% | 2,337 |
| Return on Equity (ROE) | 9.3778% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.3778% | 937 |
| Net charge-offs to loans | -0.0656% | 7,500 |
| Credit loss provision to net charge-offs | -145.1613% | 6,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0850% | 4,252 |
| Assets per employee ($millions) | 3.9409% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 1,584 |
| Loan loss allowance to noncurrent loans | 316.9197% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 6,303 |
| Noncurrent loans to loans | 0.7336% | 5,736 |
| Net loans and leases to total assets | 59.9079% | 4,931 |
| Net loans and leases to deposits | 73.3539% | 4,625 |
| Net loans and leases to core deposits | 85.4133% | 3,744 |
| Total domestic deposits to total assets | 81.6697% | 5,140 |
| Equity capital to assets | 10.0689% | 4,068 |
| Core capital (leverage) ratio | 8.9565% | 4,753 |
| Tier 1 risk-based capital ratio | 13.2192% | 4,408 |
| Total risk-based capital ratio | 14.4797% | 4,377 |
| Memoranda: | ||
| Average total assets | $101,278,500 | 5,004 |
| Average earning assets | $88,119,750 | 5,140 |
| Average equity | $9,895,500 | 5,226 |
| Average total loans | $63,030,000 | 5,023 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8071% | 1,407 |
| Cost of funding earning assets | 1.5179% | 3,152 |
| Net interest margin | 4.2893% | 1,822 |
| Noninterest income to average assets | 0.4064% | 4,857 |
| Noninterest expense to average assets | 2.8766% | 4,159 |
| Loan and lease loss provision to assets | 0.0595% | 6,361 |
| Net operating income to assets | 0.8762% | 2,638 |
| Return on assets (ROA) | 0.9456% | 2,474 |
| Pretax return on assets | 1.2965% | 2,097 |
| Return on Equity (ROE) | 9.7796% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.7796% | 898 |
| Net charge-offs to loans | -0.0729% | 7,513 |
| Credit loss provision to net charge-offs | -130.4348% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5256% | 4,277 |
| Assets per employee ($millions) | 3.7189% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3074% | 1,574 |
| Loan loss allowance to noncurrent loans | 133.2715% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 4,979 |
| Noncurrent loans to loans | 1.7313% | 4,091 |
| Net loans and leases to total assets | 60.6354% | 4,942 |
| Net loans and leases to deposits | 73.8668% | 4,696 |
| Net loans and leases to core deposits | 84.5776% | 4,060 |
| Total domestic deposits to total assets | 82.0874% | 4,945 |
| Equity capital to assets | 9.9950% | 4,032 |
| Core capital (leverage) ratio | 8.8800% | 4,790 |
| Tier 1 risk-based capital ratio | 12.7151% | 4,676 |
| Total risk-based capital ratio | 13.9744% | 4,638 |
| Memoranda: | ||
| Average total assets | $100,883,330 | 5,051 |
| Average earning assets | $87,754,000 | 5,187 |
| Average equity | $9,755,000 | 5,271 |
| Average total loans | $63,091,670 | 5,051 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9241% | 1,145 |
| Cost of funding earning assets | 1.4981% | 3,575 |
| Net interest margin | 4.4261% | 1,311 |
| Noninterest income to average assets | 0.4035% | 4,891 |
| Noninterest expense to average assets | 2.6424% | 5,172 |
| Loan and lease loss provision to assets | 0.0593% | 6,048 |
| Net operating income to assets | 1.0998% | 1,826 |
| Return on assets (ROA) | 1.1195% | 1,852 |
| Pretax return on assets | 1.5862% | 1,300 |
| Return on Equity (ROE) | 11.7739% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.7739% | 786 |
| Net charge-offs to loans | 0.0189% | 5,318 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 136.3333% | 242 |
| Efficiency ratio | 62.0241% | 5,829 |
| Assets per employee ($millions) | 3.7406% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 1,724 |
| Loan loss allowance to noncurrent loans | 298.5043% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 6,311 |
| Noncurrent loans to loans | 0.7414% | 5,837 |
| Net loans and leases to total assets | 61.1222% | 4,922 |
| Net loans and leases to deposits | 74.4671% | 4,674 |
| Net loans and leases to core deposits | 84.8909% | 4,073 |
| Total domestic deposits to total assets | 82.0795% | 5,045 |
| Equity capital to assets | 9.7123% | 4,210 |
| Core capital (leverage) ratio | 8.6671% | 5,080 |
| Tier 1 risk-based capital ratio | 12.8362% | 4,449 |
| Total risk-based capital ratio | 14.0960% | 4,418 |
| Memoranda: | ||
| Average total assets | $101,120,000 | 5,115 |
| Average earning assets | $88,114,000 | 5,237 |
| Average equity | $9,614,500 | 5,343 |
| Average total loans | $63,476,500 | 5,113 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6428% | 3,383 |
| Cost of funding earning assets | 1.8596% | 3,678 |
| Net interest margin | 3.7831% | 3,781 |
| Noninterest income to average assets | 0.4181% | 5,061 |
| Noninterest expense to average assets | 2.8139% | 4,914 |
| Loan and lease loss provision to assets | 0.2682% | 5,265 |
| Net operating income to assets | 0.5231% | 3,637 |
| Return on assets (ROA) | 0.7458% | 2,833 |
| Pretax return on assets | 0.9991% | 2,596 |
| Return on Equity (ROE) | 8.5264% | 2,188 |
| Retained earnings to average equity (ytd only) | 3.2040% | 2,915 |
| Net charge-offs to loans | 0.0622% | 6,482 |
| Credit loss provision to net charge-offs | 685.7143% | 423 |
| Earnings coverage of net charge-offs (x) | 24.8095% | 897 |
| Efficiency ratio | 74.3602% | 3,821 |
| Assets per employee ($millions) | 3.7498% | 4,393 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 1,701 |
| Loan loss allowance to noncurrent loans | 174.6532% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 5,539 |
| Noncurrent loans to loans | 1.2425% | 4,874 |
| Net loans and leases to total assets | 61.6728% | 5,064 |
| Net loans and leases to deposits | 73.8524% | 5,063 |
| Net loans and leases to core deposits | 92.8131% | 4,804 |
| Total domestic deposits to total assets | 83.5082% | 4,279 |
| Equity capital to assets | 9.3043% | 4,696 |
| Core capital (leverage) ratio | 8.1474% | 5,914 |
| Tier 1 risk-based capital ratio | 12.4375% | 4,567 |
| Total risk-based capital ratio | 13.6977% | 4,515 |
| Memoranda: | ||
| Average total assets | $107,396,200 | 4,894 |
| Average earning assets | $95,556,200 | 4,960 |
| Average equity | $9,394,400 | 5,476 |
| Average total loans | $67,502,200 | 4,961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6128% | 3,788 |
| Cost of funding earning assets | 1.9432% | 3,652 |
| Net interest margin | 3.6696% | 4,207 |
| Noninterest income to average assets | 0.3500% | 5,691 |
| Noninterest expense to average assets | 2.6339% | 5,580 |
| Loan and lease loss provision to assets | 0.3109% | 4,486 |
| Net operating income to assets | 0.4841% | 4,058 |
| Return on assets (ROA) | 0.6401% | 3,521 |
| Pretax return on assets | 0.8947% | 3,245 |
| Return on Equity (ROE) | 7.4278% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.4278% | 1,336 |
| Net charge-offs to loans | 0.1267% | 5,431 |
| Credit loss provision to net charge-offs | 390.7692% | 1,030 |
| Earnings coverage of net charge-offs (x) | 12.4315% | 1,763 |
| Efficiency ratio | 72.7027% | 4,104 |
| Assets per employee ($millions) | 3.6888% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1233% | 1,560 |
| Loan loss allowance to noncurrent loans | 134.5491% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 5,152 |
| Noncurrent loans to loans | 1.5781% | 4,272 |
| Net loans and leases to total assets | 59.2700% | 5,698 |
| Net loans and leases to deposits | 71.2281% | 5,772 |
| Net loans and leases to core deposits | 87.9479% | 5,647 |
| Total domestic deposits to total assets | 83.2115% | 4,109 |
| Equity capital to assets | 9.4670% | 4,788 |
| Core capital (leverage) ratio | 8.2348% | 5,955 |
| Tier 1 risk-based capital ratio | 12.7060% | 4,388 |
| Total risk-based capital ratio | 13.9649% | 4,332 |
| Memoranda: | ||
| Average total assets | $108,934,250 | 4,884 |
| Average earning assets | $97,156,250 | 4,952 |
| Average equity | $9,388,000 | 5,523 |
| Average total loans | $68,421,500 | 4,972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6980% | 3,547 |
| Cost of funding earning assets | 2.0229% | 3,665 |
| Net interest margin | 3.6751% | 4,064 |
| Noninterest income to average assets | 0.3104% | 6,021 |
| Noninterest expense to average assets | 2.6241% | 5,640 |
| Loan and lease loss provision to assets | 0.3682% | 3,714 |
| Net operating income to assets | 0.4315% | 4,373 |
| Return on assets (ROA) | 0.6263% | 3,669 |
| Pretax return on assets | 0.8843% | 3,390 |
| Return on Equity (ROE) | 7.4962% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.4962% | 1,390 |
| Net charge-offs to loans | 0.1535% | 4,660 |
| Credit loss provision to net charge-offs | 377.7778% | 1,229 |
| Earnings coverage of net charge-offs (x) | 10.0370% | 2,044 |
| Efficiency ratio | 72.8457% | 4,239 |
| Assets per employee ($millions) | 3.9344% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 1,728 |
| Loan loss allowance to noncurrent loans | 139.8048% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 5,319 |
| Noncurrent loans to loans | 1.3777% | 4,458 |
| Net loans and leases to total assets | 59.5781% | 5,746 |
| Net loans and leases to deposits | 70.5799% | 5,923 |
| Net loans and leases to core deposits | 90.1540% | 5,521 |
| Total domestic deposits to total assets | 84.4122% | 3,546 |
| Equity capital to assets | 8.5383% | 5,992 |
| Core capital (leverage) ratio | 7.7462% | 6,677 |
| Tier 1 risk-based capital ratio | 11.7308% | 5,165 |
| Total risk-based capital ratio | 12.9878% | 5,082 |
| Memoranda: | ||
| Average total assets | $110,817,330 | 4,864 |
| Average earning assets | $99,263,330 | 4,913 |
| Average equity | $9,258,000 | 5,595 |
| Average total loans | $70,380,330 | 4,945 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6771% | 3,912 |
| Cost of funding earning assets | 2.1224% | 3,549 |
| Net interest margin | 3.5547% | 4,506 |
| Noninterest income to average assets | 0.2699% | 6,279 |
| Noninterest expense to average assets | 2.3825% | 6,256 |
| Loan and lease loss provision to assets | 0.5218% | 2,381 |
| Net operating income to assets | 0.3890% | 4,898 |
| Return on assets (ROA) | 0.5074% | 4,573 |
| Pretax return on assets | 0.7234% | 4,343 |
| Return on Equity (ROE) | 6.1411% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.1411% | 2,567 |
| Net charge-offs to loans | 0.2441% | 3,181 |
| Credit loss provision to net charge-offs | 329.5455% | 1,510 |
| Earnings coverage of net charge-offs (x) | 6.7955% | 2,441 |
| Efficiency ratio | 68.8866% | 4,797 |
| Assets per employee ($millions) | 4.3240% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,007 |
| Loan loss allowance to noncurrent loans | 143.6848% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 5,245 |
| Noncurrent loans to loans | 1.2112% | 4,546 |
| Net loans and leases to total assets | 62.2764% | 5,276 |
| Net loans and leases to deposits | 73.8682% | 5,494 |
| Net loans and leases to core deposits | 93.3444% | 5,226 |
| Total domestic deposits to total assets | 84.3075% | 3,557 |
| Equity capital to assets | 8.2910% | 6,410 |
| Core capital (leverage) ratio | 7.6490% | 6,954 |
| Tier 1 risk-based capital ratio | 10.0715% | 6,835 |
| Total risk-based capital ratio | 11.3250% | 6,750 |
| Memoranda: | ||
| Average total assets | $111,144,500 | 4,875 |
| Average earning assets | $99,699,500 | 4,927 |
| Average equity | $9,184,000 | 5,631 |
| Average total loans | $72,109,500 | 4,901 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6159% | 2,408 |
| Cost of funding earning assets | 2.8895% | 2,308 |
| Net interest margin | 3.7264% | 4,351 |
| Noninterest income to average assets | 0.3793% | 5,649 |
| Noninterest expense to average assets | 2.7495% | 5,049 |
| Loan and lease loss provision to assets | 0.0478% | 6,821 |
| Net operating income to assets | 0.6723% | 4,016 |
| Return on assets (ROA) | 0.7490% | 3,514 |
| Pretax return on assets | 1.0222% | 3,300 |
| Return on Equity (ROE) | 8.9042% | 2,674 |
| Retained earnings to average equity (ytd only) | 2.6576% | 3,525 |
| Net charge-offs to loans | -0.1131% | 8,105 |
| Credit loss provision to net charge-offs | -63.2911% | 7,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0226% | 3,569 |
| Assets per employee ($millions) | 4.2256% | 3,066 |
| Cash dividends to net income (ytd only)* | 70.1531% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 2,392 |
| Loan loss allowance to noncurrent loans | 146.0256% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 5,097 |
| Noncurrent loans to loans | 1.0690% | 4,429 |
| Net loans and leases to total assets | 65.3769% | 4,973 |
| Net loans and leases to deposits | 77.8638% | 5,363 |
| Net loans and leases to core deposits | 91.5869% | 5,678 |
| Total domestic deposits to total assets | 83.9632% | 3,337 |
| Equity capital to assets | 8.2346% | 6,502 |
| Core capital (leverage) ratio | 7.7580% | 6,854 |
| Tier 1 risk-based capital ratio | 10.3646% | 6,349 |
| Total risk-based capital ratio | 11.6170% | 6,221 |
| Memoranda: | ||
| Average total assets | $104,675,400 | 4,909 |
| Average earning assets | $93,684,000 | 4,976 |
| Average equity | $8,804,800 | 5,807 |
| Average total loans | $69,845,400 | 4,874 |