Home > First Community Bank and Trust > Performance and Condition Ratios
First Community Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 2,523 |
| Cost of funding earning assets | 0.4740% | 4,223 |
| Net interest margin | 4.3011% | 813 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.5529% | 2,148 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.5311% | 962 |
| Return on assets (ROA) | 1.5384% | 922 |
| Pretax return on assets | 2.0126% | 657 |
| Return on Equity (ROE) | 14.9900% | 1,291 |
| Retained earnings to average equity (ytd only) | 8.9027% | 1,279 |
| Net charge-offs to loans | -0.0410% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.4333% | 3,644 |
| Assets per employee ($millions) | 7.5670% | 1,681 |
| Cash dividends to net income (ytd only)* | 40.6125% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,200 |
| Loan loss allowance to noncurrent loans | 43.2806% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.7663% | 187 |
| Noncurrent loans to loans | 3.3522% | 122 |
| Net loans and leases to total assets | 51.9200% | 3,481 |
| Net loans and leases to deposits | 60.0223% | 3,523 |
| Net loans and leases to core deposits | 60.9851% | 3,730 |
| Total domestic deposits to total assets | 86.5100% | 1,856 |
| Equity capital to assets | 10.9011% | 1,520 |
| Core capital (leverage) ratio | 12.4940% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $195,270,600 | 3,016 |
| Average earning assets | $180,789,600 | 2,997 |
| Average equity | $20,038,800 | 2,855 |
| Average total loans | $92,781,000 | 3,254 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 2,605 |
| Cost of funding earning assets | 0.3647% | 4,296 |
| Net interest margin | 4.2666% | 845 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.4983% | 2,233 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.3735% | 1,378 |
| Return on assets (ROA) | 1.3832% | 1,343 |
| Pretax return on assets | 1.8190% | 984 |
| Return on Equity (ROE) | 13.6900% | 1,737 |
| Retained earnings to average equity (ytd only) | 11.5269% | 1,063 |
| Net charge-offs to loans | -0.0444% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.2828% | 3,651 |
| Assets per employee ($millions) | 6.8389% | 2,080 |
| Cash dividends to net income (ytd only)* | 15.8259% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 510 |
| Loan loss allowance to noncurrent loans | 51.6240% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 152 |
| Noncurrent loans to loans | 3.6122% | 97 |
| Net loans and leases to total assets | 49.3600% | 3,663 |
| Net loans and leases to deposits | 57.8769% | 3,612 |
| Net loans and leases to core deposits | 58.7339% | 3,753 |
| Total domestic deposits to total assets | 85.2800% | 2,421 |
| Equity capital to assets | 10.4784% | 1,563 |
| Core capital (leverage) ratio | 12.5387% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $194,902,750 | 3,027 |
| Average earning assets | $180,247,250 | 3,013 |
| Average equity | $19,686,750 | 2,873 |
| Average total loans | $90,060,750 | 3,290 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 2,711 |
| Cost of funding earning assets | 0.2667% | 4,361 |
| Net interest margin | 4.2082% | 919 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.4811% | 2,261 |
| Loan and lease loss provision to assets | 0.3800% | 226 |
| Net operating income to assets | 1.3827% | 1,378 |
| Return on assets (ROA) | 1.3956% | 1,322 |
| Pretax return on assets | 1.8343% | 955 |
| Return on Equity (ROE) | 13.9900% | 1,684 |
| Retained earnings to average equity (ytd only) | 12.7603% | 843 |
| Net charge-offs to loans | -0.0273% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.0310% | 3,692 |
| Assets per employee ($millions) | 7.0770% | 1,867 |
| Cash dividends to net income (ytd only)* | 8.7719% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 713 |
| Loan loss allowance to noncurrent loans | 45.5849% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9458% | 145 |
| Noncurrent loans to loans | 3.7776% | 98 |
| Net loans and leases to total assets | 47.4900% | 3,716 |
| Net loans and leases to deposits | 55.2445% | 3,684 |
| Net loans and leases to core deposits | 56.0568% | 3,813 |
| Total domestic deposits to total assets | 85.9600% | 2,239 |
| Equity capital to assets | 10.4627% | 1,617 |
| Core capital (leverage) ratio | 12.4297% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $196,040,333 | 3,029 |
| Average earning assets | $181,501,000 | 3,021 |
| Average equity | $19,560,667 | 2,901 |
| Average total loans | $87,976,667 | 3,319 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 2,630 |
| Cost of funding earning assets | 0.1848% | 4,404 |
| Net interest margin | 4.1862% | 970 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.3897% | 2,563 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 1.4622% | 1,257 |
| Return on assets (ROA) | 1.4749% | 1,212 |
| Pretax return on assets | 1.9424% | 859 |
| Return on Equity (ROE) | 15.1400% | 1,532 |
| Retained earnings to average equity (ytd only) | 14.3086% | 899 |
| Net charge-offs to loans | -0.0186% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9669% | 3,854 |
| Assets per employee ($millions) | 7.1489% | 1,854 |
| Cash dividends to net income (ytd only)* | 5.4645% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,184 |
| Loan loss allowance to noncurrent loans | 39.9713% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.9273% | 131 |
| Noncurrent loans to loans | 3.8155% | 100 |
| Net loans and leases to total assets | 46.6700% | 3,739 |
| Net loans and leases to deposits | 53.9168% | 3,693 |
| Net loans and leases to core deposits | 54.8967% | 3,797 |
| Total domestic deposits to total assets | 86.5500% | 2,426 |
| Equity capital to assets | 10.4414% | 1,595 |
| Core capital (leverage) ratio | 11.6303% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $198,521,500 | 3,050 |
| Average earning assets | $183,937,000 | 3,035 |
| Average equity | $19,345,000 | 2,946 |
| Average total loans | $85,798,500 | 3,392 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2714% | 3,662 |
| Cost of funding earning assets | 0.0813% | 4,471 |
| Net interest margin | 3.1901% | 2,892 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 2.2153% | 2,987 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | 1.0443% | 2,400 |
| Return on assets (ROA) | 1.0389% | 2,363 |
| Pretax return on assets | 1.3644% | 1,883 |
| Return on Equity (ROE) | 10.8700% | 2,523 |
| Retained earnings to average equity (ytd only) | 6.3960% | 2,494 |
| Net charge-offs to loans | 1.6118% | 42 |
| Credit loss provision to net charge-offs | 69.7526% | 1,730 |
| Earnings coverage of net charge-offs (x) | 2.9505% | 2,486 |
| Efficiency ratio | 55.2313% | 3,656 |
| Assets per employee ($millions) | 7.2865% | 1,763 |
| Cash dividends to net income (ytd only)* | 41.1407% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,654 |
| Loan loss allowance to noncurrent loans | 30.4871% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 136 |
| Noncurrent loans to loans | 4.4579% | 72 |
| Net loans and leases to total assets | 38.7400% | 4,112 |
| Net loans and leases to deposits | 44.1226% | 4,111 |
| Net loans and leases to core deposits | 44.8054% | 4,157 |
| Total domestic deposits to total assets | 87.8000% | 2,142 |
| Equity capital to assets | 9.0853% | 2,306 |
| Core capital (leverage) ratio | 10.8401% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $205,884,400 | 3,004 |
| Average earning assets | $191,905,000 | 2,994 |
| Average equity | $19,684,200 | 2,979 |
| Average total loans | $77,737,000 | 3,439 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9463% | 3,990 |
| Cost of funding earning assets | 0.0644% | 4,506 |
| Net interest margin | 2.8819% | 3,536 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.1794% | 2,985 |
| Loan and lease loss provision to assets | 0.4100% | 134 |
| Net operating income to assets | 0.7405% | 3,446 |
| Return on assets (ROA) | 0.7334% | 3,418 |
| Pretax return on assets | 0.9563% | 3,153 |
| Return on Equity (ROE) | 7.5800% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.5774% | 2,156 |
| Net charge-offs to loans | -0.0328% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.3050% | 2,929 |
| Assets per employee ($millions) | 7.9652% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5931% | 213 |
| Loan loss allowance to noncurrent loans | 44.3655% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.5824% | 76 |
| Noncurrent loans to loans | 5.8448% | 42 |
| Net loans and leases to total assets | 38.4900% | 4,128 |
| Net loans and leases to deposits | 44.1048% | 4,104 |
| Net loans and leases to core deposits | 44.9388% | 4,149 |
| Total domestic deposits to total assets | 87.2700% | 2,674 |
| Equity capital to assets | 8.9277% | 2,259 |
| Core capital (leverage) ratio | 10.8400% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $206,349,750 | 3,022 |
| Average earning assets | $192,552,500 | 3,009 |
| Average equity | $19,971,250 | 3,002 |
| Average total loans | $77,139,250 | 3,470 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7132% | 4,121 |
| Cost of funding earning assets | 0.0653% | 4,490 |
| Net interest margin | 2.6479% | 3,816 |
| Noninterest income to average assets | 0.8054% | 1,028 |
| Noninterest expense to average assets | 2.1882% | 2,898 |
| Loan and lease loss provision to assets | 0.5725% | 90 |
| Net operating income to assets | 0.4186% | 4,076 |
| Return on assets (ROA) | 0.4085% | 4,041 |
| Pretax return on assets | 0.5114% | 3,975 |
| Return on Equity (ROE) | 4.1143% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.1143% | 3,043 |
| Net charge-offs to loans | -0.0344% | 4,100 |
| Credit loss provision to net charge-offs | -4,538.4615% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6174% | 2,427 |
| Assets per employee ($millions) | 7.9218% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7385% | 186 |
| Loan loss allowance to noncurrent loans | 100.4852% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 293 |
| Noncurrent loans to loans | 2.7253% | 197 |
| Net loans and leases to total assets | 35.7119% | 4,260 |
| Net loans and leases to deposits | 40.5052% | 4,250 |
| Net loans and leases to core deposits | 41.2665% | 4,287 |
| Total domestic deposits to total assets | 88.1661% | 2,509 |
| Equity capital to assets | 9.2879% | 2,172 |
| Core capital (leverage) ratio | 10.5515% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,101,000 | 3,058 |
| Average earning assets | $192,983,667 | 3,039 |
| Average equity | $20,465,333 | 3,023 |
| Average total loans | $75,574,333 | 3,523 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5051% | 4,262 |
| Cost of funding earning assets | 0.0641% | 4,500 |
| Net interest margin | 2.4410% | 4,005 |
| Noninterest income to average assets | 0.7470% | 1,181 |
| Noninterest expense to average assets | 2.1866% | 2,878 |
| Loan and lease loss provision to assets | 0.0873% | 948 |
| Net operating income to assets | 0.5843% | 3,447 |
| Return on assets (ROA) | 0.5782% | 3,450 |
| Pretax return on assets | 0.7567% | 3,237 |
| Return on Equity (ROE) | 5.6405% | 3,441 |
| Retained earnings to average equity (ytd only) | 5.6405% | 2,369 |
| Net charge-offs to loans | -0.0053% | 3,355 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9668% | 1,976 |
| Assets per employee ($millions) | 7.4343% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 600 |
| Loan loss allowance to noncurrent loans | 73.1754% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 302 |
| Noncurrent loans to loans | 2.7556% | 200 |
| Net loans and leases to total assets | 35.3432% | 4,247 |
| Net loans and leases to deposits | 41.7040% | 4,173 |
| Net loans and leases to core deposits | 42.5108% | 4,217 |
| Total domestic deposits to total assets | 84.7477% | 3,598 |
| Equity capital to assets | 9.8079% | 2,045 |
| Core capital (leverage) ratio | 10.3798% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,167,500 | 3,068 |
| Average earning assets | $193,528,000 | 3,052 |
| Average equity | $21,133,000 | 3,047 |
| Average total loans | $75,548,500 | 3,532 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8411% | 4,145 |
| Cost of funding earning assets | 0.0733% | 4,566 |
| Net interest margin | 2.7678% | 3,735 |
| Noninterest income to average assets | 0.8923% | 1,225 |
| Noninterest expense to average assets | 2.2102% | 3,047 |
| Loan and lease loss provision to assets | -0.1502% | 4,628 |
| Net operating income to assets | 1.0570% | 2,455 |
| Return on assets (ROA) | 1.0709% | 2,483 |
| Pretax return on assets | 1.4303% | 1,948 |
| Return on Equity (ROE) | 9.6041% | 2,674 |
| Retained earnings to average equity (ytd only) | 6.9105% | 1,952 |
| Net charge-offs to loans | -0.0683% | 4,445 |
| Credit loss provision to net charge-offs | 547.1698% | 761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6445% | 2,619 |
| Assets per employee ($millions) | 7.2920% | 1,732 |
| Cash dividends to net income (ytd only)* | 28.0464% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 686 |
| Loan loss allowance to noncurrent loans | 64.8696% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 316 |
| Noncurrent loans to loans | 2.9771% | 199 |
| Net loans and leases to total assets | 36.5102% | 4,262 |
| Net loans and leases to deposits | 43.5778% | 4,197 |
| Net loans and leases to core deposits | 44.1835% | 4,262 |
| Total domestic deposits to total assets | 83.7816% | 3,615 |
| Equity capital to assets | 10.7016% | 2,011 |
| Core capital (leverage) ratio | 10.2981% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,104,200 | 3,113 |
| Average earning assets | $180,036,400 | 3,092 |
| Average equity | $21,532,400 | 3,091 |
| Average total loans | $77,630,600 | 3,514 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9563% | 4,072 |
| Cost of funding earning assets | 0.0723% | 4,676 |
| Net interest margin | 2.8840% | 3,592 |
| Noninterest income to average assets | 0.8784% | 1,297 |
| Noninterest expense to average assets | 2.2402% | 2,927 |
| Loan and lease loss provision to assets | -0.2527% | 4,797 |
| Net operating income to assets | 1.1725% | 2,261 |
| Return on assets (ROA) | 1.1852% | 2,275 |
| Pretax return on assets | 1.5901% | 1,740 |
| Return on Equity (ROE) | 10.5157% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.0186% | 1,306 |
| Net charge-offs to loans | -0.0957% | 4,594 |
| Credit loss provision to net charge-offs | 644.6429% | 676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9032% | 2,549 |
| Assets per employee ($millions) | 7.1348% | 1,782 |
| Cash dividends to net income (ytd only)* | 4.7281% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 606 |
| Loan loss allowance to noncurrent loans | 45.1759% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 221 |
| Noncurrent loans to loans | 4.4788% | 95 |
| Net loans and leases to total assets | 33.9350% | 4,471 |
| Net loans and leases to deposits | 41.6197% | 4,390 |
| Net loans and leases to core deposits | 42.0636% | 4,446 |
| Total domestic deposits to total assets | 81.5360% | 4,008 |
| Equity capital to assets | 11.1136% | 1,939 |
| Core capital (leverage) ratio | 10.8519% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,336,250 | 3,167 |
| Average earning assets | $177,065,750 | 3,153 |
| Average equity | $21,453,000 | 3,132 |
| Average total loans | $78,035,000 | 3,557 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 4,200 |
| Cost of funding earning assets | 0.0714% | 4,737 |
| Net interest margin | 2.8434% | 3,693 |
| Noninterest income to average assets | 0.8419% | 1,418 |
| Noninterest expense to average assets | 2.2661% | 2,863 |
| Loan and lease loss provision to assets | -0.5780% | 4,916 |
| Net operating income to assets | 1.3334% | 1,766 |
| Return on assets (ROA) | 1.3494% | 1,791 |
| Pretax return on assets | 1.8131% | 1,205 |
| Return on Equity (ROE) | 11.9132% | 2,101 |
| Retained earnings to average equity (ytd only) | 11.9132% | 938 |
| Net charge-offs to loans | -0.1358% | 4,707 |
| Credit loss provision to net charge-offs | 983.6364% | 482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1013% | 2,285 |
| Assets per employee ($millions) | 6.9649% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,562 |
| Loan loss allowance to noncurrent loans | 39.4626% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8901% | 235 |
| Noncurrent loans to loans | 3.8236% | 149 |
| Net loans and leases to total assets | 40.8008% | 4,250 |
| Net loans and leases to deposits | 49.0011% | 4,162 |
| Net loans and leases to core deposits | 49.5248% | 4,252 |
| Total domestic deposits to total assets | 83.2651% | 3,650 |
| Equity capital to assets | 11.2097% | 1,827 |
| Core capital (leverage) ratio | 10.9202% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,190,667 | 3,196 |
| Average earning assets | $173,738,333 | 3,187 |
| Average equity | $21,203,333 | 3,153 |
| Average total loans | $80,982,333 | 3,531 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1746% | 3,728 |
| Cost of funding earning assets | 0.0827% | 4,735 |
| Net interest margin | 3.0918% | 3,015 |
| Noninterest income to average assets | 0.7901% | 1,605 |
| Noninterest expense to average assets | 2.2872% | 2,833 |
| Loan and lease loss provision to assets | 0.1724% | 717 |
| Net operating income to assets | 0.8863% | 3,162 |
| Return on assets (ROA) | 0.9036% | 3,196 |
| Pretax return on assets | 1.2069% | 2,832 |
| Return on Equity (ROE) | 7.9331% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.9331% | 2,263 |
| Net charge-offs to loans | -0.2615% | 4,832 |
| Credit loss provision to net charge-offs | -149.0566% | 2,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7545% | 2,640 |
| Assets per employee ($millions) | 6.9959% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 419 |
| Loan loss allowance to noncurrent loans | 59.0865% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.9620% | 261 |
| Noncurrent loans to loans | 3.7407% | 159 |
| Net loans and leases to total assets | 43.0284% | 4,173 |
| Net loans and leases to deposits | 51.8035% | 4,057 |
| Net loans and leases to core deposits | 52.0903% | 4,189 |
| Total domestic deposits to total assets | 83.0610% | 3,671 |
| Equity capital to assets | 11.1002% | 1,786 |
| Core capital (leverage) ratio | 10.8415% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,277,000 | 3,222 |
| Average earning assets | $169,220,500 | 3,223 |
| Average equity | $20,874,500 | 3,165 |
| Average total loans | $81,079,500 | 3,538 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 3,473 |
| Cost of funding earning assets | 0.1323% | 4,783 |
| Net interest margin | 3.6063% | 2,123 |
| Noninterest income to average assets | 1.2820% | 692 |
| Noninterest expense to average assets | 2.6773% | 2,303 |
| Loan and lease loss provision to assets | 0.3228% | 1,132 |
| Net operating income to assets | 1.1620% | 1,677 |
| Return on assets (ROA) | 1.1572% | 1,818 |
| Pretax return on assets | 1.5469% | 1,205 |
| Return on Equity (ROE) | 9.3354% | 2,268 |
| Retained earnings to average equity (ytd only) | 4.7168% | 2,406 |
| Net charge-offs to loans | -0.1983% | 4,895 |
| Credit loss provision to net charge-offs | -321.2121% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8015% | 3,615 |
| Assets per employee ($millions) | 6.1264% | 2,232 |
| Cash dividends to net income (ytd only)* | 49.4737% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1570% | 446 |
| Loan loss allowance to noncurrent loans | 55.5918% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.2013% | 236 |
| Noncurrent loans to loans | 3.8800% | 150 |
| Net loans and leases to total assets | 43.5319% | 4,272 |
| Net loans and leases to deposits | 53.1192% | 4,152 |
| Net loans and leases to core deposits | 53.4359% | 4,288 |
| Total domestic deposits to total assets | 81.9514% | 3,673 |
| Equity capital to assets | 11.6973% | 1,734 |
| Core capital (leverage) ratio | 10.9143% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,196,400 | 3,250 |
| Average earning assets | $148,932,800 | 3,279 |
| Average equity | $20,352,600 | 3,157 |
| Average total loans | $83,222,800 | 3,503 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 3,629 |
| Cost of funding earning assets | 0.1403% | 4,823 |
| Net interest margin | 3.6370% | 2,131 |
| Noninterest income to average assets | 1.3612% | 597 |
| Noninterest expense to average assets | 2.7921% | 1,990 |
| Loan and lease loss provision to assets | 0.2282% | 1,778 |
| Net operating income to assets | 1.2144% | 1,600 |
| Return on assets (ROA) | 1.2079% | 1,743 |
| Pretax return on assets | 1.6216% | 1,126 |
| Return on Equity (ROE) | 9.5954% | 2,171 |
| Retained earnings to average equity (ytd only) | 8.0148% | 1,299 |
| Net charge-offs to loans | -0.2452% | 4,941 |
| Credit loss provision to net charge-offs | -177.4194% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0464% | 3,385 |
| Assets per employee ($millions) | 6.3223% | 1,977 |
| Cash dividends to net income (ytd only)* | 16.4722% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 896 |
| Loan loss allowance to noncurrent loans | 31.7741% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.0900% | 141 |
| Noncurrent loans to loans | 5.3507% | 89 |
| Net loans and leases to total assets | 47.0326% | 4,266 |
| Net loans and leases to deposits | 58.0040% | 4,163 |
| Net loans and leases to core deposits | 58.3541% | 4,284 |
| Total domestic deposits to total assets | 81.0851% | 3,640 |
| Equity capital to assets | 11.9594% | 1,700 |
| Core capital (leverage) ratio | 11.7073% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,829,250 | 3,264 |
| Average earning assets | $145,427,250 | 3,301 |
| Average equity | $20,245,250 | 3,158 |
| Average total loans | $84,267,000 | 3,517 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,238 |
| Cost of funding earning assets | 0.1527% | 4,870 |
| Net interest margin | 3.8826% | 1,611 |
| Noninterest income to average assets | 1.5415% | 432 |
| Noninterest expense to average assets | 2.9106% | 1,798 |
| Loan and lease loss provision to assets | 0.2496% | 1,684 |
| Net operating income to assets | 1.3986% | 1,114 |
| Return on assets (ROA) | 1.3884% | 1,229 |
| Pretax return on assets | 1.8684% | 715 |
| Return on Equity (ROE) | 10.8243% | 1,696 |
| Retained earnings to average equity (ytd only) | 8.4167% | 1,187 |
| Net charge-offs to loans | -0.3471% | 4,984 |
| Credit loss provision to net charge-offs | -132.8767% | 3,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7335% | 3,728 |
| Assets per employee ($millions) | 5.7608% | 2,407 |
| Cash dividends to net income (ytd only)* | 22.2428% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 1,260 |
| Loan loss allowance to noncurrent loans | 52.5496% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.2925% | 272 |
| Noncurrent loans to loans | 2.8581% | 364 |
| Net loans and leases to total assets | 52.9953% | 3,956 |
| Net loans and leases to deposits | 64.5381% | 3,841 |
| Net loans and leases to core deposits | 64.9453% | 4,023 |
| Total domestic deposits to total assets | 82.1146% | 3,338 |
| Equity capital to assets | 12.4467% | 1,405 |
| Core capital (leverage) ratio | 12.1154% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,431,000 | 3,299 |
| Average earning assets | $140,110,667 | 3,343 |
| Average equity | $19,936,667 | 3,180 |
| Average total loans | $84,123,000 | 3,516 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,690 |
| Cost of funding earning assets | 0.1964% | 4,898 |
| Net interest margin | 4.1834% | 955 |
| Noninterest income to average assets | 2.2591% | 229 |
| Noninterest expense to average assets | 3.0826% | 1,682 |
| Loan and lease loss provision to assets | 0.3048% | 1,020 |
| Net operating income to assets | 1.9482% | 297 |
| Return on assets (ROA) | 1.9249% | 346 |
| Pretax return on assets | 2.6014% | 141 |
| Return on Equity (ROE) | 14.7632% | 580 |
| Retained earnings to average equity (ytd only) | 9.8421% | 774 |
| Net charge-offs to loans | -0.6548% | 5,038 |
| Credit loss provision to net charge-offs | -85.7143% | 3,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2217% | 4,598 |
| Assets per employee ($millions) | 5.0977% | 2,542 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,145 |
| Loan loss allowance to noncurrent loans | 91.6181% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 524 |
| Noncurrent loans to loans | 1.7145% | 886 |
| Net loans and leases to total assets | 53.2800% | 4,042 |
| Net loans and leases to deposits | 64.4271% | 3,956 |
| Net loans and leases to core deposits | 64.8792% | 4,135 |
| Total domestic deposits to total assets | 82.6982% | 3,207 |
| Equity capital to assets | 13.4536% | 1,241 |
| Core capital (leverage) ratio | 12.5473% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1439% | 844 |
| Memoranda: | ||
| Average total assets | $149,614,500 | 3,323 |
| Average earning assets | $134,437,000 | 3,389 |
| Average equity | $19,508,000 | 3,216 |
| Average total loans | $81,241,500 | 3,560 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 2,980 |
| Cost of funding earning assets | 0.2556% | 4,838 |
| Net interest margin | 4.2358% | 1,243 |
| Noninterest income to average assets | 1.1033% | 785 |
| Noninterest expense to average assets | 3.1501% | 1,643 |
| Loan and lease loss provision to assets | -0.0215% | 4,961 |
| Net operating income to assets | 1.3052% | 1,669 |
| Return on assets (ROA) | 1.3105% | 1,728 |
| Pretax return on assets | 1.7598% | 1,048 |
| Return on Equity (ROE) | 10.3931% | 2,122 |
| Retained earnings to average equity (ytd only) | 3.7977% | 3,077 |
| Net charge-offs to loans | -0.0381% | 4,765 |
| Credit loss provision to net charge-offs | 106.6667% | 2,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5281% | 2,999 |
| Assets per employee ($millions) | 5.0465% | 2,535 |
| Cash dividends to net income (ytd only)* | 63.4596% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,304 |
| Loan loss allowance to noncurrent loans | 56.2988% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 389 |
| Noncurrent loans to loans | 2.1756% | 572 |
| Net loans and leases to total assets | 53.7997% | 4,085 |
| Net loans and leases to deposits | 64.4521% | 4,052 |
| Net loans and leases to core deposits | 65.0237% | 4,231 |
| Total domestic deposits to total assets | 83.4724% | 3,034 |
| Equity capital to assets | 12.6338% | 1,746 |
| Core capital (leverage) ratio | 11.8996% | 1,841 |
| Tier 1 risk-based capital ratio | 18.1876% | 1,717 |
| Total risk-based capital ratio | 19.1965% | 1,724 |
| Memoranda: | ||
| Average total assets | $149,104,400 | 3,311 |
| Average earning assets | $133,008,600 | 3,382 |
| Average equity | $18,801,000 | 3,247 |
| Average total loans | $78,643,200 | 3,626 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 2,973 |
| Cost of funding earning assets | 0.2452% | 4,931 |
| Net interest margin | 4.2804% | 1,201 |
| Noninterest income to average assets | 1.1678% | 669 |
| Noninterest expense to average assets | 3.1903% | 1,485 |
| Loan and lease loss provision to assets | -0.0009% | 5,022 |
| Net operating income to assets | 1.3177% | 1,779 |
| Return on assets (ROA) | 1.3240% | 1,823 |
| Pretax return on assets | 1.7944% | 1,107 |
| Return on Equity (ROE) | 10.5057% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.3718% | 1,681 |
| Net charge-offs to loans | -0.1047% | 5,000 |
| Credit loss provision to net charge-offs | 1.6393% | 3,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1169% | 2,989 |
| Assets per employee ($millions) | 5.0401% | 2,506 |
| Cash dividends to net income (ytd only)* | 29.8304% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 1,921 |
| Loan loss allowance to noncurrent loans | 67.5914% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.0423% | 420 |
| Noncurrent loans to loans | 1.9397% | 713 |
| Net loans and leases to total assets | 51.6468% | 4,333 |
| Net loans and leases to deposits | 61.8580% | 4,300 |
| Net loans and leases to core deposits | 62.3937% | 4,442 |
| Total domestic deposits to total assets | 83.4925% | 3,000 |
| Equity capital to assets | 12.4613% | 1,943 |
| Core capital (leverage) ratio | 12.5929% | 1,529 |
| Tier 1 risk-based capital ratio | 19.3724% | 1,487 |
| Total risk-based capital ratio | 20.4933% | 1,483 |
| Memoranda: | ||
| Average total assets | $148,531,750 | 3,354 |
| Average earning assets | $132,133,500 | 3,425 |
| Average equity | $18,719,500 | 3,281 |
| Average total loans | $77,689,000 | 3,683 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 2,820 |
| Cost of funding earning assets | 0.2300% | 5,012 |
| Net interest margin | 4.3259% | 1,087 |
| Noninterest income to average assets | 1.2031% | 590 |
| Noninterest expense to average assets | 3.3201% | 1,244 |
| Loan and lease loss provision to assets | 0.0260% | 3,299 |
| Net operating income to assets | 1.2525% | 1,949 |
| Return on assets (ROA) | 1.2579% | 1,989 |
| Pretax return on assets | 1.7046% | 1,262 |
| Return on Equity (ROE) | 9.9408% | 2,415 |
| Retained earnings to average equity (ytd only) | 7.5585% | 1,574 |
| Net charge-offs to loans | -0.1258% | 5,045 |
| Credit loss provision to net charge-offs | -39.5833% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8245% | 2,830 |
| Assets per employee ($millions) | 4.8471% | 2,672 |
| Cash dividends to net income (ytd only)* | 23.9651% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,672 |
| Loan loss allowance to noncurrent loans | 79.6310% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 2.0211% | 458 |
| Noncurrent loans to loans | 1.7402% | 868 |
| Net loans and leases to total assets | 51.1011% | 4,406 |
| Net loans and leases to deposits | 60.4273% | 4,412 |
| Net loans and leases to core deposits | 62.9194% | 4,460 |
| Total domestic deposits to total assets | 84.5662% | 2,659 |
| Equity capital to assets | 12.7012% | 1,740 |
| Core capital (leverage) ratio | 12.5251% | 1,525 |
| Tier 1 risk-based capital ratio | 20.2600% | 1,299 |
| Total risk-based capital ratio | 21.4622% | 1,281 |
| Memoranda: | ||
| Average total assets | $145,961,000 | 3,404 |
| Average earning assets | $129,592,670 | 3,484 |
| Average equity | $18,469,330 | 3,297 |
| Average total loans | $76,329,670 | 3,726 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 2,538 |
| Cost of funding earning assets | 0.2138% | 5,089 |
| Net interest margin | 4.3829% | 936 |
| Noninterest income to average assets | 1.3073% | 498 |
| Noninterest expense to average assets | 3.3405% | 1,207 |
| Loan and lease loss provision to assets | 0.2197% | 711 |
| Net operating income to assets | 1.1995% | 2,057 |
| Return on assets (ROA) | 1.2127% | 2,055 |
| Pretax return on assets | 1.6410% | 1,367 |
| Return on Equity (ROE) | 9.6027% | 2,544 |
| Retained earnings to average equity (ytd only) | 6.5193% | 2,239 |
| Net charge-offs to loans | 0.0212% | 2,028 |
| Credit loss provision to net charge-offs | 1,975.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 165.7500% | 463 |
| Efficiency ratio | 64.4313% | 3,172 |
| Assets per employee ($millions) | 4.6001% | 3,041 |
| Cash dividends to net income (ytd only)* | 32.1101% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,600 |
| Loan loss allowance to noncurrent loans | 78.8824% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.2819% | 377 |
| Noncurrent loans to loans | 1.7998% | 856 |
| Net loans and leases to total assets | 52.9281% | 4,278 |
| Net loans and leases to deposits | 63.4532% | 4,216 |
| Net loans and leases to core deposits | 66.4054% | 4,267 |
| Total domestic deposits to total assets | 83.4127% | 3,248 |
| Equity capital to assets | 12.9009% | 1,511 |
| Core capital (leverage) ratio | 12.3108% | 1,599 |
| Tier 1 risk-based capital ratio | 19.9775% | 1,344 |
| Total risk-based capital ratio | 21.1983% | 1,326 |
| Memoranda: | ||
| Average total assets | $143,811,000 | 3,468 |
| Average earning assets | $127,221,500 | 3,557 |
| Average equity | $18,161,500 | 3,338 |
| Average total loans | $75,562,500 | 3,773 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 3,115 |
| Cost of funding earning assets | 0.1154% | 5,257 |
| Net interest margin | 4.1833% | 1,438 |
| Noninterest income to average assets | 1.2539% | 594 |
| Noninterest expense to average assets | 3.4319% | 1,101 |
| Loan and lease loss provision to assets | 0.0650% | 2,850 |
| Net operating income to assets | 1.1089% | 2,559 |
| Return on assets (ROA) | 1.0910% | 2,633 |
| Pretax return on assets | 1.4079% | 2,106 |
| Return on Equity (ROE) | 9.1978% | 2,892 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,575 |
| Net charge-offs to loans | 0.1238% | 1,502 |
| Credit loss provision to net charge-offs | 102.1505% | 2,472 |
| Earnings coverage of net charge-offs (x) | 23.4946% | 1,849 |
| Efficiency ratio | 69.6486% | 2,255 |
| Assets per employee ($millions) | 4.6780% | 2,910 |
| Cash dividends to net income (ytd only)* | 42.0326% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,802 |
| Loan loss allowance to noncurrent loans | 72.9632% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.4507% | 322 |
| Noncurrent loans to loans | 1.8602% | 748 |
| Net loans and leases to total assets | 50.7168% | 4,474 |
| Net loans and leases to deposits | 60.9051% | 4,435 |
| Net loans and leases to core deposits | 64.0191% | 4,449 |
| Total domestic deposits to total assets | 83.2718% | 3,232 |
| Equity capital to assets | 12.3611% | 1,659 |
| Core capital (leverage) ratio | 11.5198% | 2,087 |
| Tier 1 risk-based capital ratio | 19.7178% | 1,353 |
| Total risk-based capital ratio | 20.8826% | 1,347 |
| Memoranda: | ||
| Average total assets | $146,099,400 | 3,425 |
| Average earning assets | $128,296,200 | 3,521 |
| Average equity | $17,330,200 | 3,359 |
| Average total loans | $75,126,600 | 3,769 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 3,258 |
| Cost of funding earning assets | 0.0956% | 5,362 |
| Net interest margin | 4.1213% | 1,565 |
| Noninterest income to average assets | 1.3308% | 537 |
| Noninterest expense to average assets | 3.5280% | 946 |
| Loan and lease loss provision to assets | 0.0947% | 2,081 |
| Net operating income to assets | 1.0411% | 2,913 |
| Return on assets (ROA) | 1.0339% | 2,958 |
| Pretax return on assets | 1.3135% | 2,563 |
| Return on Equity (ROE) | 8.8079% | 3,185 |
| Retained earnings to average equity (ytd only) | 5.7814% | 2,769 |
| Net charge-offs to loans | 0.0354% | 2,375 |
| Credit loss provision to net charge-offs | 520.0000% | 673 |
| Earnings coverage of net charge-offs (x) | 77.7882% | 893 |
| Efficiency ratio | 71.3391% | 1,990 |
| Assets per employee ($millions) | 4.7241% | 2,817 |
| Cash dividends to net income (ytd only)* | 34.3613% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,468 |
| Loan loss allowance to noncurrent loans | 81.1573% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.7683% | 289 |
| Noncurrent loans to loans | 1.8073% | 851 |
| Net loans and leases to total assets | 50.1837% | 4,580 |
| Net loans and leases to deposits | 59.6671% | 4,569 |
| Net loans and leases to core deposits | 62.3411% | 4,597 |
| Total domestic deposits to total assets | 84.1061% | 2,904 |
| Equity capital to assets | 11.8754% | 1,983 |
| Core capital (leverage) ratio | 11.7757% | 1,933 |
| Tier 1 risk-based capital ratio | 19.3191% | 1,469 |
| Total risk-based capital ratio | 20.5688% | 1,439 |
| Memoranda: | ||
| Average total assets | $146,369,500 | 3,464 |
| Average earning assets | $128,371,500 | 3,553 |
| Average equity | $17,181,250 | 3,410 |
| Average total loans | $75,268,000 | 3,805 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 3,293 |
| Cost of funding earning assets | 0.0794% | 5,444 |
| Net interest margin | 4.0672% | 1,648 |
| Noninterest income to average assets | 1.1138% | 769 |
| Noninterest expense to average assets | 3.4357% | 1,091 |
| Loan and lease loss provision to assets | 0.0041% | 3,736 |
| Net operating income to assets | 0.9219% | 3,357 |
| Return on assets (ROA) | 0.9198% | 3,378 |
| Pretax return on assets | 1.2409% | 2,764 |
| Return on Equity (ROE) | 7.8661% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.2298% | 2,446 |
| Net charge-offs to loans | 0.0026% | 3,105 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 913.0000% | 86 |
| Efficiency ratio | 73.3586% | 1,795 |
| Assets per employee ($millions) | 4.5959% | 2,978 |
| Cash dividends to net income (ytd only)* | 20.8024% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,013 |
| Loan loss allowance to noncurrent loans | 67.0199% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 3.2135% | 217 |
| Noncurrent loans to loans | 1.9908% | 759 |
| Net loans and leases to total assets | 50.8867% | 4,553 |
| Net loans and leases to deposits | 59.3312% | 4,567 |
| Net loans and leases to core deposits | 59.9832% | 4,711 |
| Total domestic deposits to total assets | 85.7671% | 2,387 |
| Equity capital to assets | 11.7497% | 2,019 |
| Core capital (leverage) ratio | 11.7135% | 1,899 |
| Tier 1 risk-based capital ratio | 17.6071% | 1,913 |
| Total risk-based capital ratio | 18.6706% | 1,917 |
| Memoranda: | ||
| Average total assets | $146,344,000 | 3,485 |
| Average earning assets | $128,441,330 | 3,574 |
| Average equity | $17,111,330 | 3,433 |
| Average total loans | $75,495,330 | 3,822 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,329 |
| Cost of funding earning assets | 0.0782% | 5,502 |
| Net interest margin | 3.9947% | 1,739 |
| Noninterest income to average assets | 1.1234% | 738 |
| Noninterest expense to average assets | 3.3922% | 1,176 |
| Loan and lease loss provision to assets | 0.1343% | 1,406 |
| Net operating income to assets | 0.8154% | 3,647 |
| Return on assets (ROA) | 0.8111% | 3,672 |
| Pretax return on assets | 1.0905% | 3,206 |
| Return on Equity (ROE) | 6.9537% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.0743% | 3,139 |
| Net charge-offs to loans | 0.0053% | 2,546 |
| Credit loss provision to net charge-offs | 4,900.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 144 |
| Efficiency ratio | 73.3847% | 1,985 |
| Assets per employee ($millions) | 4.6830% | 2,879 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,936 |
| Loan loss allowance to noncurrent loans | 64.7095% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 3.3119% | 221 |
| Noncurrent loans to loans | 2.1256% | 727 |
| Net loans and leases to total assets | 52.2573% | 4,421 |
| Net loans and leases to deposits | 61.8734% | 4,349 |
| Net loans and leases to core deposits | 62.7309% | 4,503 |
| Total domestic deposits to total assets | 84.4584% | 3,130 |
| Equity capital to assets | 11.7130% | 1,981 |
| Core capital (leverage) ratio | 11.3128% | 2,157 |
| Tier 1 risk-based capital ratio | 17.9510% | 1,851 |
| Total risk-based capital ratio | 19.1064% | 1,822 |
| Memoranda: | ||
| Average total assets | $145,982,000 | 3,518 |
| Average earning assets | $127,868,000 | 3,620 |
| Average equity | $17,027,000 | 3,475 |
| Average total loans | $75,318,000 | 3,858 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,616 |
| Cost of funding earning assets | 0.0758% | 5,562 |
| Net interest margin | 3.8633% | 2,214 |
| Noninterest income to average assets | 1.3730% | 555 |
| Noninterest expense to average assets | 3.4308% | 1,154 |
| Loan and lease loss provision to assets | 0.3667% | 415 |
| Net operating income to assets | 0.2934% | 4,940 |
| Return on assets (ROA) | 0.2934% | 4,954 |
| Pretax return on assets | 0.9281% | 3,818 |
| Return on Equity (ROE) | 2.5087% | 4,949 |
| Retained earnings to average equity (ytd only) | 2.5087% | 3,823 |
| Net charge-offs to loans | 0.9962% | 178 |
| Credit loss provision to net charge-offs | 75.8865% | 3,001 |
| Earnings coverage of net charge-offs (x) | 2.6794% | 3,719 |
| Efficiency ratio | 72.5994% | 2,138 |
| Assets per employee ($millions) | 4.8931% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,882 |
| Loan loss allowance to noncurrent loans | 68.9891% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 3.2931% | 222 |
| Noncurrent loans to loans | 1.9860% | 772 |
| Net loans and leases to total assets | 49.5293% | 4,679 |
| Net loans and leases to deposits | 59.1954% | 4,623 |
| Net loans and leases to core deposits | 60.4550% | 4,735 |
| Total domestic deposits to total assets | 83.6708% | 3,320 |
| Equity capital to assets | 11.6151% | 2,105 |
| Core capital (leverage) ratio | 10.8060% | 2,533 |
| Tier 1 risk-based capital ratio | 17.2974% | 1,997 |
| Total risk-based capital ratio | 18.3744% | 2,010 |
| Memoranda: | ||
| Average total assets | $145,883,800 | 3,524 |
| Average earning assets | $126,600,000 | 3,638 |
| Average equity | $17,060,400 | 3,479 |
| Average total loans | $70,765,600 | 3,944 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,755 |
| Cost of funding earning assets | 0.0740% | 5,630 |
| Net interest margin | 3.8008% | 2,397 |
| Noninterest income to average assets | 1.5305% | 462 |
| Noninterest expense to average assets | 3.5141% | 971 |
| Loan and lease loss provision to assets | 0.3579% | 410 |
| Net operating income to assets | 0.6389% | 4,234 |
| Return on assets (ROA) | 0.6389% | 4,289 |
| Pretax return on assets | 0.9511% | 3,864 |
| Return on Equity (ROE) | 5.4541% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.4541% | 2,566 |
| Net charge-offs to loans | 0.9615% | 184 |
| Credit loss provision to net charge-offs | 77.4257% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.8317% | 3,421 |
| Efficiency ratio | 72.8601% | 2,061 |
| Assets per employee ($millions) | 4.6817% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 1,472 |
| Loan loss allowance to noncurrent loans | 48.1917% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 3.6492% | 201 |
| Noncurrent loans to loans | 3.1493% | 379 |
| Net loans and leases to total assets | 46.1709% | 4,928 |
| Net loans and leases to deposits | 54.7915% | 4,928 |
| Net loans and leases to core deposits | 55.9247% | 5,002 |
| Total domestic deposits to total assets | 84.2666% | 3,019 |
| Equity capital to assets | 11.6657% | 2,218 |
| Core capital (leverage) ratio | 11.0891% | 2,383 |
| Tier 1 risk-based capital ratio | 18.9400% | 1,599 |
| Total risk-based capital ratio | 20.1929% | 1,560 |
| Memoranda: | ||
| Average total assets | $145,656,750 | 3,560 |
| Average earning assets | $126,180,250 | 3,675 |
| Average equity | $17,063,000 | 3,516 |
| Average total loans | $70,028,250 | 3,994 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 3,839 |
| Cost of funding earning assets | 0.0752% | 5,664 |
| Net interest margin | 3.7412% | 2,510 |
| Noninterest income to average assets | 1.5402% | 457 |
| Noninterest expense to average assets | 3.4532% | 1,072 |
| Loan and lease loss provision to assets | 0.3743% | 374 |
| Net operating income to assets | 0.6488% | 4,089 |
| Return on assets (ROA) | 0.6488% | 4,139 |
| Pretax return on assets | 0.9524% | 3,757 |
| Return on Equity (ROE) | 5.5303% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.5303% | 2,387 |
| Net charge-offs to loans | 1.0378% | 192 |
| Credit loss provision to net charge-offs | 74.3802% | 2,329 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 3,141 |
| Efficiency ratio | 72.2448% | 2,294 |
| Assets per employee ($millions) | 4.4147% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,398 |
| Loan loss allowance to noncurrent loans | 50.2079% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 4.4597% | 138 |
| Noncurrent loans to loans | 3.0875% | 408 |
| Net loans and leases to total assets | 47.3861% | 4,860 |
| Net loans and leases to deposits | 55.3503% | 4,885 |
| Net loans and leases to core deposits | 56.5084% | 4,975 |
| Total domestic deposits to total assets | 85.6113% | 2,565 |
| Equity capital to assets | 11.8640% | 2,032 |
| Core capital (leverage) ratio | 11.2551% | 2,175 |
| Tier 1 risk-based capital ratio | 17.4265% | 2,029 |
| Total risk-based capital ratio | 18.6213% | 2,003 |
| Memoranda: | ||
| Average total assets | $144,270,670 | 3,592 |
| Average earning assets | $124,933,670 | 3,723 |
| Average equity | $16,925,000 | 3,540 |
| Average total loans | $69,958,670 | 4,018 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 3,689 |
| Cost of funding earning assets | 0.0773% | 5,723 |
| Net interest margin | 3.7426% | 2,338 |
| Noninterest income to average assets | 1.5213% | 472 |
| Noninterest expense to average assets | 3.5246% | 1,009 |
| Loan and lease loss provision to assets | 0.5517% | 179 |
| Net operating income to assets | 0.4792% | 4,673 |
| Return on assets (ROA) | 0.4792% | 4,698 |
| Pretax return on assets | 0.6826% | 4,496 |
| Return on Equity (ROE) | 4.1086% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.1086% | 3,405 |
| Net charge-offs to loans | 0.2175% | 815 |
| Credit loss provision to net charge-offs | 521.0526% | 551 |
| Earnings coverage of net charge-offs (x) | 11.6579% | 1,877 |
| Efficiency ratio | 74.0632% | 2,222 |
| Assets per employee ($millions) | 4.3599% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 770 |
| Loan loss allowance to noncurrent loans | 55.6247% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 4.4677% | 149 |
| Noncurrent loans to loans | 3.4375% | 364 |
| Net loans and leases to total assets | 47.7773% | 4,843 |
| Net loans and leases to deposits | 56.3631% | 4,794 |
| Net loans and leases to core deposits | 57.5687% | 4,900 |
| Total domestic deposits to total assets | 84.7670% | 3,181 |
| Equity capital to assets | 11.7197% | 2,019 |
| Core capital (leverage) ratio | 10.8526% | 2,537 |
| Tier 1 risk-based capital ratio | 18.2387% | 1,792 |
| Total risk-based capital ratio | 19.4966% | 1,760 |
| Memoranda: | ||
| Average total assets | $143,564,000 | 3,637 |
| Average earning assets | $124,191,000 | 3,767 |
| Average equity | $16,745,500 | 3,578 |
| Average total loans | $69,877,500 | 4,054 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 3,397 |
| Cost of funding earning assets | 0.0819% | 5,771 |
| Net interest margin | 3.8644% | 2,084 |
| Noninterest income to average assets | 1.4489% | 551 |
| Noninterest expense to average assets | 3.8600% | 722 |
| Loan and lease loss provision to assets | 0.2805% | 713 |
| Net operating income to assets | 0.4658% | 4,752 |
| Return on assets (ROA) | 0.4658% | 4,830 |
| Pretax return on assets | 0.6484% | 4,660 |
| Return on Equity (ROE) | 4.0351% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.2353% | 3,610 |
| Net charge-offs to loans | 0.7581% | 276 |
| Credit loss provision to net charge-offs | 76.5152% | 3,035 |
| Earnings coverage of net charge-offs (x) | 2.5341% | 3,815 |
| Efficiency ratio | 80.6031% | 1,346 |
| Assets per employee ($millions) | 4.2132% | 3,599 |
| Cash dividends to net income (ytd only)* | 19.8212% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 1,153 |
| Loan loss allowance to noncurrent loans | 48.8411% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 4.5969% | 148 |
| Noncurrent loans to loans | 3.4676% | 348 |
| Net loans and leases to total assets | 47.8143% | 4,911 |
| Net loans and leases to deposits | 56.4234% | 4,892 |
| Net loans and leases to core deposits | 57.8516% | 4,975 |
| Total domestic deposits to total assets | 84.7421% | 3,159 |
| Equity capital to assets | 11.6084% | 2,076 |
| Core capital (leverage) ratio | 10.4576% | 2,925 |
| Tier 1 risk-based capital ratio | 18.2829% | 1,781 |
| Total risk-based capital ratio | 19.5414% | 1,741 |
| Memoranda: | ||
| Average total assets | $144,040,400 | 3,604 |
| Average earning assets | $124,495,800 | 3,743 |
| Average equity | $16,629,000 | 3,604 |
| Average total loans | $69,652,200 | 4,050 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,289 |
| Cost of funding earning assets | 0.0813% | 5,840 |
| Net interest margin | 3.9030% | 1,968 |
| Noninterest income to average assets | 1.4929% | 539 |
| Noninterest expense to average assets | 4.0469% | 553 |
| Loan and lease loss provision to assets | 0.1840% | 1,189 |
| Net operating income to assets | 0.4372% | 4,915 |
| Return on assets (ROA) | 0.4372% | 4,996 |
| Pretax return on assets | 0.6350% | 4,777 |
| Return on Equity (ROE) | 3.7925% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.2312% | 3,976 |
| Net charge-offs to loans | 0.5762% | 366 |
| Credit loss provision to net charge-offs | 66.1130% | 2,844 |
| Earnings coverage of net charge-offs (x) | 2.9435% | 3,494 |
| Efficiency ratio | 83.1687% | 1,055 |
| Assets per employee ($millions) | 4.3953% | 3,259 |
| Cash dividends to net income (ytd only)* | 14.7990% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 1,201 |
| Loan loss allowance to noncurrent loans | 42.4885% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.4828% | 173 |
| Noncurrent loans to loans | 4.0212% | 269 |
| Net loans and leases to total assets | 46.2731% | 5,078 |
| Net loans and leases to deposits | 54.7875% | 5,063 |
| Net loans and leases to core deposits | 56.1196% | 5,143 |
| Total domestic deposits to total assets | 84.4592% | 3,037 |
| Equity capital to assets | 11.3525% | 2,650 |
| Core capital (leverage) ratio | 10.7133% | 2,773 |
| Tier 1 risk-based capital ratio | 17.6220% | 2,033 |
| Total risk-based capital ratio | 18.8814% | 1,996 |
| Memoranda: | ||
| Average total assets | $144,238,000 | 3,616 |
| Average earning assets | $124,654,000 | 3,766 |
| Average equity | $16,629,000 | 3,634 |
| Average total loans | $69,646,750 | 4,084 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,639 |
| Cost of funding earning assets | 0.0813% | 5,921 |
| Net interest margin | 3.8064% | 2,296 |
| Noninterest income to average assets | 1.5845% | 485 |
| Noninterest expense to average assets | 3.9774% | 610 |
| Loan and lease loss provision to assets | 0.4182% | 354 |
| Net operating income to assets | 0.3410% | 5,205 |
| Return on assets (ROA) | 0.3410% | 5,291 |
| Pretax return on assets | 0.4730% | 5,194 |
| Return on Equity (ROE) | 2.9424% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.0948% | 4,523 |
| Net charge-offs to loans | 0.7549% | 271 |
| Credit loss provision to net charge-offs | 113.7405% | 1,929 |
| Earnings coverage of net charge-offs (x) | 2.4237% | 3,274 |
| Efficiency ratio | 81.6950% | 1,309 |
| Assets per employee ($millions) | 4.2113% | 3,541 |
| Cash dividends to net income (ytd only)* | 28.8066% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9610% | 800 |
| Loan loss allowance to noncurrent loans | 22.3632% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 6.6152% | 93 |
| Noncurrent loans to loans | 8.7688% | 50 |
| Net loans and leases to total assets | 46.7877% | 5,078 |
| Net loans and leases to deposits | 54.3638% | 5,114 |
| Net loans and leases to core deposits | 56.0123% | 5,172 |
| Total domestic deposits to total assets | 86.0642% | 2,391 |
| Equity capital to assets | 11.6192% | 2,425 |
| Core capital (leverage) ratio | 10.7682% | 2,680 |
| Tier 1 risk-based capital ratio | 18.4555% | 1,810 |
| Total risk-based capital ratio | 19.7199% | 1,769 |
| Memoranda: | ||
| Average total assets | $142,504,330 | 3,666 |
| Average earning assets | $122,951,330 | 3,826 |
| Average equity | $16,517,000 | 3,657 |
| Average total loans | $69,411,670 | 4,105 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 2,798 |
| Cost of funding earning assets | 0.0853% | 5,969 |
| Net interest margin | 4.0299% | 1,531 |
| Noninterest income to average assets | 1.4659% | 524 |
| Noninterest expense to average assets | 4.1783% | 500 |
| Loan and lease loss provision to assets | 0.4192% | 319 |
| Net operating income to assets | 0.2645% | 5,399 |
| Return on assets (ROA) | 0.2645% | 5,466 |
| Pretax return on assets | 0.3264% | 5,455 |
| Return on Equity (ROE) | 2.2847% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.2847% | 4,344 |
| Net charge-offs to loans | 0.5032% | 436 |
| Credit loss provision to net charge-offs | 169.3182% | 1,194 |
| Earnings coverage of net charge-offs (x) | 3.0114% | 2,602 |
| Efficiency ratio | 84.8571% | 1,081 |
| Assets per employee ($millions) | 4.0492% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9750% | 849 |
| Loan loss allowance to noncurrent loans | 19.2633% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 7.8174% | 75 |
| Noncurrent loans to loans | 10.2526% | 42 |
| Net loans and leases to total assets | 47.8038% | 4,980 |
| Net loans and leases to deposits | 55.9511% | 4,991 |
| Net loans and leases to core deposits | 57.5803% | 5,070 |
| Total domestic deposits to total assets | 85.4385% | 2,937 |
| Equity capital to assets | 11.6728% | 2,269 |
| Core capital (leverage) ratio | 10.5824% | 2,869 |
| Tier 1 risk-based capital ratio | 17.6640% | 2,083 |
| Total risk-based capital ratio | 18.9286% | 2,041 |
| Memoranda: | ||
| Average total assets | $142,164,000 | 3,701 |
| Average earning assets | $121,989,000 | 3,874 |
| Average equity | $16,457,000 | 3,669 |
| Average total loans | $69,951,000 | 4,115 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 3,933 |
| Cost of funding earning assets | 0.0879% | 6,007 |
| Net interest margin | 3.7476% | 2,567 |
| Noninterest income to average assets | 1.6946% | 455 |
| Noninterest expense to average assets | 3.9561% | 714 |
| Loan and lease loss provision to assets | 0.3517% | 419 |
| Net operating income to assets | 0.4333% | 4,942 |
| Return on assets (ROA) | 0.4579% | 4,933 |
| Pretax return on assets | 0.6282% | 4,755 |
| Return on Equity (ROE) | 4.0485% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.6132% | 3,488 |
| Net charge-offs to loans | 0.7882% | 288 |
| Credit loss provision to net charge-offs | 93.2836% | 2,697 |
| Earnings coverage of net charge-offs (x) | 2.5093% | 3,889 |
| Efficiency ratio | 80.7002% | 1,581 |
| Assets per employee ($millions) | 3.8542% | 4,202 |
| Cash dividends to net income (ytd only)* | 10.7527% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 1,060 |
| Loan loss allowance to noncurrent loans | 19.5884% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 7.9541% | 79 |
| Noncurrent loans to loans | 9.4041% | 51 |
| Net loans and leases to total assets | 48.7248% | 4,962 |
| Net loans and leases to deposits | 58.0247% | 4,907 |
| Net loans and leases to core deposits | 59.4094% | 5,019 |
| Total domestic deposits to total assets | 83.9725% | 3,492 |
| Equity capital to assets | 11.4800% | 2,379 |
| Core capital (leverage) ratio | 10.2889% | 3,166 |
| Tier 1 risk-based capital ratio | 16.9917% | 2,286 |
| Total risk-based capital ratio | 18.2580% | 2,227 |
| Memoranda: | ||
| Average total assets | $142,160,400 | 3,692 |
| Average earning assets | $121,677,200 | 3,848 |
| Average equity | $16,080,000 | 3,666 |
| Average total loans | $68,005,200 | 4,139 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8022% | 4,080 |
| Cost of funding earning assets | 0.0877% | 6,095 |
| Net interest margin | 3.7145% | 2,699 |
| Noninterest income to average assets | 1.6585% | 469 |
| Noninterest expense to average assets | 4.0023% | 663 |
| Loan and lease loss provision to assets | 0.4205% | 273 |
| Net operating income to assets | 0.3177% | 5,408 |
| Return on assets (ROA) | 0.3520% | 5,395 |
| Pretax return on assets | 0.4609% | 5,322 |
| Return on Equity (ROE) | 3.1235% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.5405% | 4,608 |
| Net charge-offs to loans | 0.7824% | 264 |
| Credit loss provision to net charge-offs | 113.4177% | 2,073 |
| Earnings coverage of net charge-offs (x) | 2.2557% | 3,699 |
| Efficiency ratio | 82.7158% | 1,304 |
| Assets per employee ($millions) | 3.9826% | 3,907 |
| Cash dividends to net income (ytd only)* | 18.6664% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 979 |
| Loan loss allowance to noncurrent loans | 23.5782% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 7.4484% | 95 |
| Noncurrent loans to loans | 8.3027% | 63 |
| Net loans and leases to total assets | 48.6598% | 5,037 |
| Net loans and leases to deposits | 57.9342% | 5,007 |
| Net loans and leases to core deposits | 59.4412% | 5,104 |
| Total domestic deposits to total assets | 83.9914% | 3,431 |
| Equity capital to assets | 11.1485% | 2,852 |
| Core capital (leverage) ratio | 10.2266% | 3,339 |
| Tier 1 risk-based capital ratio | 17.1454% | 2,316 |
| Total risk-based capital ratio | 18.4151% | 2,257 |
| Memoranda: | ||
| Average total assets | $142,049,250 | 3,719 |
| Average earning assets | $121,609,500 | 3,890 |
| Average equity | $16,007,250 | 3,711 |
| Average total loans | $67,309,500 | 4,194 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 4,007 |
| Cost of funding earning assets | 0.0892% | 6,167 |
| Net interest margin | 3.7264% | 2,596 |
| Noninterest income to average assets | 1.6637% | 480 |
| Noninterest expense to average assets | 3.9588% | 708 |
| Loan and lease loss provision to assets | 0.4181% | 268 |
| Net operating income to assets | 0.3495% | 5,301 |
| Return on assets (ROA) | 0.3997% | 5,244 |
| Pretax return on assets | 0.5395% | 5,122 |
| Return on Equity (ROE) | 3.5342% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.6600% | 4,363 |
| Net charge-offs to loans | 0.2090% | 1,210 |
| Credit loss provision to net charge-offs | 428.9855% | 704 |
| Earnings coverage of net charge-offs (x) | 9.1304% | 2,489 |
| Efficiency ratio | 81.6487% | 1,536 |
| Assets per employee ($millions) | 3.9127% | 4,047 |
| Cash dividends to net income (ytd only)* | 24.7350% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2910% | 640 |
| Loan loss allowance to noncurrent loans | 23.9859% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 8.1416% | 87 |
| Noncurrent loans to loans | 9.5516% | 58 |
| Net loans and leases to total assets | 47.4456% | 5,149 |
| Net loans and leases to deposits | 54.9047% | 5,194 |
| Net loans and leases to core deposits | 56.6289% | 5,270 |
| Total domestic deposits to total assets | 86.4145% | 2,483 |
| Equity capital to assets | 11.3527% | 2,526 |
| Core capital (leverage) ratio | 10.4738% | 2,998 |
| Tier 1 risk-based capital ratio | 17.0976% | 2,369 |
| Total risk-based capital ratio | 18.3645% | 2,309 |
| Memoranda: | ||
| Average total assets | $141,608,000 | 3,757 |
| Average earning assets | $121,027,330 | 3,930 |
| Average equity | $16,015,000 | 3,724 |
| Average total loans | $66,026,670 | 4,274 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 3,951 |
| Cost of funding earning assets | 0.0925% | 6,230 |
| Net interest margin | 3.7223% | 2,542 |
| Noninterest income to average assets | 1.8058% | 416 |
| Noninterest expense to average assets | 4.0117% | 681 |
| Loan and lease loss provision to assets | 0.6959% | 132 |
| Net operating income to assets | 0.2172% | 5,639 |
| Return on assets (ROA) | 0.3240% | 5,435 |
| Pretax return on assets | 0.4085% | 5,417 |
| Return on Equity (ROE) | 2.8702% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.1231% | 5,032 |
| Net charge-offs to loans | 0.3270% | 739 |
| Credit loss provision to net charge-offs | 466.0377% | 581 |
| Earnings coverage of net charge-offs (x) | 6.4906% | 2,285 |
| Efficiency ratio | 80.5430% | 1,823 |
| Assets per employee ($millions) | 4.0014% | 3,952 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3450% | 667 |
| Loan loss allowance to noncurrent loans | 37.0263% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 6.6441% | 143 |
| Noncurrent loans to loans | 6.3334% | 166 |
| Net loans and leases to total assets | 45.6133% | 5,227 |
| Net loans and leases to deposits | 53.2995% | 5,248 |
| Net loans and leases to core deposits | 55.1192% | 5,305 |
| Total domestic deposits to total assets | 85.5793% | 3,140 |
| Equity capital to assets | 11.5038% | 2,456 |
| Core capital (leverage) ratio | 10.0916% | 3,487 |
| Tier 1 risk-based capital ratio | 17.7173% | 2,232 |
| Total risk-based capital ratio | 18.9749% | 2,196 |
| Memoranda: | ||
| Average total assets | $141,984,000 | 3,777 |
| Average earning assets | $121,106,500 | 3,953 |
| Average equity | $16,027,000 | 3,743 |
| Average total loans | $64,841,500 | 4,339 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,693 |
| Cost of funding earning assets | 0.0982% | 6,330 |
| Net interest margin | 3.9114% | 2,195 |
| Noninterest income to average assets | 1.6012% | 493 |
| Noninterest expense to average assets | 3.4533% | 1,591 |
| Loan and lease loss provision to assets | 1.4011% | 65 |
| Net operating income to assets | 0.1805% | 5,803 |
| Return on assets (ROA) | 0.1666% | 5,887 |
| Pretax return on assets | 0.0913% | 5,996 |
| Return on Equity (ROE) | 1.5083% | 5,890 |
| Retained earnings to average equity (ytd only) | -0.0694% | 5,778 |
| Net charge-offs to loans | 4.7402% | 9 |
| Credit loss provision to net charge-offs | 63.0292% | 3,233 |
| Earnings coverage of net charge-offs (x) | 0.6776% | 4,590 |
| Efficiency ratio | 69.6275% | 3,598 |
| Assets per employee ($millions) | 3.9978% | 3,962 |
| Cash dividends to net income (ytd only)* | 104.6025% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0850% | 970 |
| Loan loss allowance to noncurrent loans | 34.6432% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 6.4099% | 178 |
| Noncurrent loans to loans | 6.0185% | 190 |
| Net loans and leases to total assets | 43.7246% | 5,479 |
| Net loans and leases to deposits | 51.6918% | 5,500 |
| Net loans and leases to core deposits | 53.4271% | 5,533 |
| Total domestic deposits to total assets | 84.5872% | 3,461 |
| Equity capital to assets | 11.0778% | 2,826 |
| Core capital (leverage) ratio | 9.6350% | 4,050 |
| Tier 1 risk-based capital ratio | 17.2717% | 2,393 |
| Total risk-based capital ratio | 18.5262% | 2,350 |
| Memoranda: | ||
| Average total assets | $143,457,000 | 3,732 |
| Average earning assets | $123,178,000 | 3,898 |
| Average equity | $15,846,000 | 3,695 |
| Average total loans | $67,275,800 | 4,255 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1002% | 3,372 |
| Cost of funding earning assets | 0.0973% | 6,419 |
| Net interest margin | 4.0030% | 1,869 |
| Noninterest income to average assets | 1.5375% | 531 |
| Noninterest expense to average assets | 3.6192% | 1,264 |
| Loan and lease loss provision to assets | 0.8585% | 138 |
| Net operating income to assets | 0.4163% | 5,188 |
| Return on assets (ROA) | 0.4018% | 5,318 |
| Pretax return on assets | 0.4874% | 5,357 |
| Return on Equity (ROE) | 3.6405% | 5,311 |
| Retained earnings to average equity (ytd only) | 1.5337% | 5,275 |
| Net charge-offs to loans | 4.0982% | 17 |
| Credit loss provision to net charge-offs | 44.1416% | 3,218 |
| Earnings coverage of net charge-offs (x) | 0.7011% | 4,332 |
| Efficiency ratio | 72.6339% | 3,071 |
| Assets per employee ($millions) | 4.3027% | 3,295 |
| Cash dividends to net income (ytd only)* | 57.8708% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 1,041 |
| Loan loss allowance to noncurrent loans | 21.3732% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 7.1077% | 165 |
| Noncurrent loans to loans | 9.9926% | 73 |
| Net loans and leases to total assets | 42.3164% | 5,647 |
| Net loans and leases to deposits | 50.0975% | 5,645 |
| Net loans and leases to core deposits | 51.7526% | 5,697 |
| Total domestic deposits to total assets | 84.4682% | 3,561 |
| Equity capital to assets | 10.9609% | 2,995 |
| Core capital (leverage) ratio | 9.8716% | 3,850 |
| Tier 1 risk-based capital ratio | 18.6857% | 1,992 |
| Total risk-based capital ratio | 19.9421% | 1,956 |
| Memoranda: | ||
| Average total assets | $143,341,500 | 3,770 |
| Average earning assets | $123,372,250 | 3,921 |
| Average equity | $15,821,750 | 3,712 |
| Average total loans | $68,027,750 | 4,276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 2,906 |
| Cost of funding earning assets | 0.0980% | 6,484 |
| Net interest margin | 4.1150% | 1,463 |
| Noninterest income to average assets | 1.5510% | 518 |
| Noninterest expense to average assets | 3.5952% | 1,307 |
| Loan and lease loss provision to assets | 0.5915% | 239 |
| Net operating income to assets | 0.6573% | 4,058 |
| Return on assets (ROA) | 0.6378% | 4,267 |
| Pretax return on assets | 0.8767% | 3,975 |
| Return on Equity (ROE) | 5.7648% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.5904% | 4,552 |
| Net charge-offs to loans | 1.2640% | 239 |
| Credit loss provision to net charge-offs | 95.6818% | 2,088 |
| Earnings coverage of net charge-offs (x) | 2.4182% | 3,552 |
| Efficiency ratio | 70.6321% | 3,548 |
| Assets per employee ($millions) | 4.0407% | 3,755 |
| Cash dividends to net income (ytd only)* | 55.0661% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6927% | 214 |
| Loan loss allowance to noncurrent loans | 38.3848% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 7.4457% | 157 |
| Noncurrent loans to loans | 9.6202% | 86 |
| Net loans and leases to total assets | 46.1032% | 5,354 |
| Net loans and leases to deposits | 53.5396% | 5,390 |
| Net loans and leases to core deposits | 55.3315% | 5,453 |
| Total domestic deposits to total assets | 86.1106% | 2,990 |
| Equity capital to assets | 11.3326% | 2,574 |
| Core capital (leverage) ratio | 10.1065% | 3,461 |
| Tier 1 risk-based capital ratio | 17.9668% | 2,257 |
| Total risk-based capital ratio | 19.2409% | 2,213 |
| Memoranda: | ||
| Average total assets | $142,357,670 | 3,811 |
| Average earning assets | $122,428,670 | 3,961 |
| Average equity | $15,750,670 | 3,731 |
| Average total loans | $69,618,000 | 4,250 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,836 |
| Cost of funding earning assets | 0.0978% | 6,570 |
| Net interest margin | 4.1129% | 1,427 |
| Noninterest income to average assets | 1.3947% | 596 |
| Noninterest expense to average assets | 3.6156% | 1,283 |
| Loan and lease loss provision to assets | 0.4817% | 316 |
| Net operating income to assets | 0.6224% | 4,083 |
| Return on assets (ROA) | 0.5825% | 4,349 |
| Pretax return on assets | 0.7786% | 4,186 |
| Return on Equity (ROE) | 5.3291% | 4,371 |
| Retained earnings to average equity (ytd only) | -1.0761% | 5,741 |
| Net charge-offs to loans | 1.8476% | 150 |
| Credit loss provision to net charge-offs | 52.7607% | 2,177 |
| Earnings coverage of net charge-offs (x) | 1.4387% | 3,096 |
| Efficiency ratio | 73.3523% | 3,250 |
| Assets per employee ($millions) | 3.9466% | 4,055 |
| Cash dividends to net income (ytd only)* | 120.1923% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3836% | 297 |
| Loan loss allowance to noncurrent loans | 37.6832% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 7.2552% | 205 |
| Noncurrent loans to loans | 8.9792% | 131 |
| Net loans and leases to total assets | 47.5302% | 5,184 |
| Net loans and leases to deposits | 55.7082% | 5,135 |
| Net loans and leases to core deposits | 57.5149% | 5,235 |
| Total domestic deposits to total assets | 85.3200% | 3,711 |
| Equity capital to assets | 11.0256% | 2,692 |
| Core capital (leverage) ratio | 10.0253% | 3,541 |
| Tier 1 risk-based capital ratio | 17.2358% | 2,580 |
| Total risk-based capital ratio | 18.5058% | 2,532 |
| Memoranda: | ||
| Average total assets | $142,824,500 | 3,828 |
| Average earning assets | $122,736,500 | 3,988 |
| Average equity | $15,612,500 | 3,762 |
| Average total loans | $70,576,500 | 4,249 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 3,183 |
| Cost of funding earning assets | 0.1222% | 6,631 |
| Net interest margin | 4.1196% | 1,591 |
| Noninterest income to average assets | 1.4740% | 645 |
| Noninterest expense to average assets | 3.6325% | 1,392 |
| Loan and lease loss provision to assets | 0.6927% | 333 |
| Net operating income to assets | 0.6747% | 3,919 |
| Return on assets (ROA) | 0.6747% | 4,013 |
| Pretax return on assets | 0.6982% | 4,548 |
| Return on Equity (ROE) | 6.2782% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.6336% | 2,194 |
| Net charge-offs to loans | 1.9566% | 198 |
| Credit loss provision to net charge-offs | 68.5871% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.3772% | 4,601 |
| Efficiency ratio | 72.3111% | 3,414 |
| Assets per employee ($millions) | 3.8803% | 4,102 |
| Cash dividends to net income (ytd only)* | 10.2669% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5350% | 280 |
| Loan loss allowance to noncurrent loans | 34.5732% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 7.7418% | 202 |
| Noncurrent loans to loans | 10.2248% | 106 |
| Net loans and leases to total assets | 47.8781% | 5,306 |
| Net loans and leases to deposits | 56.4160% | 5,263 |
| Net loans and leases to core deposits | 58.2396% | 5,375 |
| Total domestic deposits to total assets | 84.8660% | 3,822 |
| Equity capital to assets | 10.8378% | 2,775 |
| Core capital (leverage) ratio | 9.7482% | 3,913 |
| Tier 1 risk-based capital ratio | 16.3134% | 2,962 |
| Total risk-based capital ratio | 17.5843% | 2,901 |
| Memoranda: | ||
| Average total assets | $144,364,800 | 3,799 |
| Average earning assets | $124,380,800 | 3,962 |
| Average equity | $15,514,000 | 3,783 |
| Average total loans | $74,516,000 | 4,107 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 3,260 |
| Cost of funding earning assets | 0.1252% | 6,716 |
| Net interest margin | 4.1081% | 1,610 |
| Noninterest income to average assets | 1.4831% | 672 |
| Noninterest expense to average assets | 3.6274% | 1,355 |
| Loan and lease loss provision to assets | 0.6318% | 368 |
| Net operating income to assets | 0.7554% | 3,576 |
| Return on assets (ROA) | 0.7554% | 3,704 |
| Pretax return on assets | 0.7655% | 4,438 |
| Return on Equity (ROE) | 7.0438% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.1838% | 2,294 |
| Net charge-offs to loans | 2.0301% | 183 |
| Credit loss provision to net charge-offs | 59.7210% | 3,309 |
| Earnings coverage of net charge-offs (x) | 1.3208% | 4,398 |
| Efficiency ratio | 72.1916% | 3,369 |
| Assets per employee ($millions) | 3.9486% | 3,939 |
| Cash dividends to net income (ytd only)* | 12.2100% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4645% | 348 |
| Loan loss allowance to noncurrent loans | 35.7549% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 7.4134% | 261 |
| Noncurrent loans to loans | 9.6895% | 147 |
| Net loans and leases to total assets | 47.9665% | 5,348 |
| Net loans and leases to deposits | 56.3526% | 5,343 |
| Net loans and leases to core deposits | 58.4040% | 5,420 |
| Total domestic deposits to total assets | 85.1184% | 3,678 |
| Equity capital to assets | 10.5927% | 3,171 |
| Core capital (leverage) ratio | 9.8310% | 3,915 |
| Tier 1 risk-based capital ratio | 17.4608% | 2,520 |
| Total risk-based capital ratio | 18.7349% | 2,484 |
| Memoranda: | ||
| Average total assets | $144,563,250 | 3,834 |
| Average earning assets | $124,629,750 | 3,987 |
| Average equity | $15,502,500 | 3,826 |
| Average total loans | $75,330,500 | 4,105 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 3,245 |
| Cost of funding earning assets | 0.1273% | 6,761 |
| Net interest margin | 4.1018% | 1,540 |
| Noninterest income to average assets | 1.6453% | 595 |
| Noninterest expense to average assets | 3.5335% | 1,534 |
| Loan and lease loss provision to assets | 0.8608% | 236 |
| Net operating income to assets | 0.8483% | 3,053 |
| Return on assets (ROA) | 0.8483% | 3,204 |
| Pretax return on assets | 0.7858% | 4,360 |
| Return on Equity (ROE) | 7.8781% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.5887% | 2,097 |
| Net charge-offs to loans | 0.2203% | 2,424 |
| Credit loss provision to net charge-offs | 738.0952% | 408 |
| Earnings coverage of net charge-offs (x) | 14.1190% | 1,849 |
| Efficiency ratio | 68.2123% | 4,146 |
| Assets per employee ($millions) | 3.8401% | 4,132 |
| Cash dividends to net income (ytd only)* | 16.3666% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6770% | 150 |
| Loan loss allowance to noncurrent loans | 42.8206% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 8.4226% | 223 |
| Noncurrent loans to loans | 10.9222% | 120 |
| Net loans and leases to total assets | 50.3934% | 5,067 |
| Net loans and leases to deposits | 58.1433% | 5,149 |
| Net loans and leases to core deposits | 60.2800% | 5,242 |
| Total domestic deposits to total assets | 86.6711% | 3,017 |
| Equity capital to assets | 10.9000% | 2,845 |
| Core capital (leverage) ratio | 9.9222% | 3,629 |
| Tier 1 risk-based capital ratio | 16.8291% | 2,775 |
| Total risk-based capital ratio | 18.1178% | 2,736 |
| Memoranda: | ||
| Average total assets | $144,051,000 | 3,871 |
| Average earning assets | $124,141,670 | 4,031 |
| Average equity | $15,511,330 | 3,851 |
| Average total loans | $76,242,670 | 4,096 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,656 |
| Cost of funding earning assets | 0.1348% | 6,831 |
| Net interest margin | 4.2259% | 1,127 |
| Noninterest income to average assets | 1.5114% | 677 |
| Noninterest expense to average assets | 3.5826% | 1,452 |
| Loan and lease loss provision to assets | 0.8494% | 248 |
| Net operating income to assets | 0.5985% | 4,222 |
| Return on assets (ROA) | 0.5985% | 4,368 |
| Pretax return on assets | 0.7115% | 4,526 |
| Return on Equity (ROE) | 5.5915% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.0148% | 4,477 |
| Net charge-offs to loans | 0.3958% | 1,465 |
| Credit loss provision to net charge-offs | 405.2632% | 631 |
| Earnings coverage of net charge-offs (x) | 7.4474% | 2,067 |
| Efficiency ratio | 69.6515% | 4,027 |
| Assets per employee ($millions) | 3.9065% | 4,147 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1113% | 260 |
| Loan loss allowance to noncurrent loans | 44.0373% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 7.7619% | 329 |
| Noncurrent loans to loans | 9.3360% | 247 |
| Net loans and leases to total assets | 51.7812% | 4,736 |
| Net loans and leases to deposits | 59.7590% | 4,820 |
| Net loans and leases to core deposits | 61.8218% | 4,969 |
| Total domestic deposits to total assets | 86.6500% | 3,157 |
| Equity capital to assets | 10.7625% | 3,240 |
| Core capital (leverage) ratio | 9.4118% | 4,221 |
| Tier 1 risk-based capital ratio | 16.0319% | 3,246 |
| Total risk-based capital ratio | 17.3137% | 3,189 |
| Memoranda: | ||
| Average total assets | $145,035,500 | 3,894 |
| Average earning assets | $124,661,000 | 4,048 |
| Average equity | $15,523,500 | 3,902 |
| Average total loans | $76,807,500 | 4,107 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 3,430 |
| Cost of funding earning assets | 0.2200% | 6,779 |
| Net interest margin | 4.2719% | 1,468 |
| Noninterest income to average assets | 1.2968% | 914 |
| Noninterest expense to average assets | 3.4676% | 1,906 |
| Loan and lease loss provision to assets | 1.1626% | 310 |
| Net operating income to assets | 0.4026% | 5,096 |
| Return on assets (ROA) | 0.4353% | 5,189 |
| Pretax return on assets | 0.4130% | 5,540 |
| Return on Equity (ROE) | 4.1337% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.1337% | 3,315 |
| Net charge-offs to loans | 2.8477% | 193 |
| Credit loss provision to net charge-offs | 75.4513% | 3,991 |
| Earnings coverage of net charge-offs (x) | 1.0014% | 4,972 |
| Efficiency ratio | 69.2062% | 3,940 |
| Assets per employee ($millions) | 3.8298% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9398% | 299 |
| Loan loss allowance to noncurrent loans | 45.0174% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 7.3681% | 408 |
| Noncurrent loans to loans | 8.7518% | 309 |
| Net loans and leases to total assets | 49.8756% | 5,186 |
| Net loans and leases to deposits | 58.5066% | 5,184 |
| Net loans and leases to core deposits | 60.5435% | 5,314 |
| Total domestic deposits to total assets | 85.2479% | 3,743 |
| Equity capital to assets | 10.6444% | 3,343 |
| Core capital (leverage) ratio | 9.2359% | 4,519 |
| Tier 1 risk-based capital ratio | 16.1185% | 3,092 |
| Total risk-based capital ratio | 17.3833% | 3,038 |
| Memoranda: | ||
| Average total assets | $143,815,600 | 3,883 |
| Average earning assets | $125,027,200 | 3,996 |
| Average equity | $15,144,000 | 3,932 |
| Average total loans | $77,816,800 | 4,097 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 3,730 |
| Cost of funding earning assets | 0.2373% | 6,858 |
| Net interest margin | 4.2402% | 1,621 |
| Noninterest income to average assets | 1.2590% | 949 |
| Noninterest expense to average assets | 3.3456% | 2,148 |
| Loan and lease loss provision to assets | 1.5315% | 206 |
| Net operating income to assets | 0.2232% | 5,856 |
| Return on assets (ROA) | 0.2669% | 5,923 |
| Pretax return on assets | 0.1302% | 6,229 |
| Return on Equity (ROE) | 2.5414% | 5,863 |
| Retained earnings to average equity (ytd only) | 2.5414% | 5,043 |
| Net charge-offs to loans | 3.0721% | 175 |
| Credit loss provision to net charge-offs | 91.1960% | 3,261 |
| Earnings coverage of net charge-offs (x) | 0.9635% | 4,838 |
| Efficiency ratio | 67.4035% | 4,196 |
| Assets per employee ($millions) | 3.9763% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2733% | 249 |
| Loan loss allowance to noncurrent loans | 38.4536% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 7.5726% | 433 |
| Noncurrent loans to loans | 11.1129% | 198 |
| Net loans and leases to total assets | 51.1902% | 5,158 |
| Net loans and leases to deposits | 60.0929% | 5,196 |
| Net loans and leases to core deposits | 62.2141% | 5,339 |
| Total domestic deposits to total assets | 85.1851% | 3,666 |
| Equity capital to assets | 10.3329% | 4,040 |
| Core capital (leverage) ratio | 9.3262% | 4,535 |
| Tier 1 risk-based capital ratio | 15.8899% | 3,328 |
| Total risk-based capital ratio | 17.1747% | 3,277 |
| Memoranda: | ||
| Average total assets | $143,386,500 | 3,931 |
| Average earning assets | $125,274,750 | 4,036 |
| Average equity | $15,057,250 | 3,987 |
| Average total loans | $78,380,500 | 4,128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 3,436 |
| Cost of funding earning assets | 0.2630% | 6,871 |
| Net interest margin | 4.3199% | 1,430 |
| Noninterest income to average assets | 1.2157% | 968 |
| Noninterest expense to average assets | 3.3417% | 2,177 |
| Loan and lease loss provision to assets | 1.6111% | 213 |
| Net operating income to assets | 0.1914% | 5,940 |
| Return on assets (ROA) | 0.2505% | 5,952 |
| Pretax return on assets | 0.0886% | 6,343 |
| Return on Equity (ROE) | 2.3719% | 5,925 |
| Retained earnings to average equity (ytd only) | 2.3719% | 5,009 |
| Net charge-offs to loans | 2.0209% | 407 |
| Credit loss provision to net charge-offs | 144.7535% | 1,916 |
| Earnings coverage of net charge-offs (x) | 1.4741% | 4,262 |
| Efficiency ratio | 67.0714% | 4,308 |
| Assets per employee ($millions) | 3.8827% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9333% | 173 |
| Loan loss allowance to noncurrent loans | 39.4884% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 8.5580% | 379 |
| Noncurrent loans to loans | 12.4930% | 158 |
| Net loans and leases to total assets | 53.4233% | 4,891 |
| Net loans and leases to deposits | 62.0187% | 4,990 |
| Net loans and leases to core deposits | 64.2984% | 5,178 |
| Total domestic deposits to total assets | 86.1407% | 3,287 |
| Equity capital to assets | 10.8044% | 3,336 |
| Core capital (leverage) ratio | 9.7025% | 3,828 |
| Tier 1 risk-based capital ratio | 16.2937% | 3,006 |
| Total risk-based capital ratio | 17.5990% | 2,955 |
| Memoranda: | ||
| Average total assets | $142,141,330 | 3,968 |
| Average earning assets | $123,937,000 | 4,081 |
| Average equity | $15,009,000 | 3,984 |
| Average total loans | $78,282,670 | 4,144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 3,210 |
| Cost of funding earning assets | 0.3033% | 6,834 |
| Net interest margin | 4.3582% | 1,320 |
| Noninterest income to average assets | 1.2029% | 994 |
| Noninterest expense to average assets | 3.3993% | 2,009 |
| Loan and lease loss provision to assets | 1.3871% | 265 |
| Net operating income to assets | 0.3377% | 5,525 |
| Return on assets (ROA) | 0.3321% | 5,719 |
| Pretax return on assets | 0.2205% | 6,155 |
| Return on Equity (ROE) | 3.1813% | 5,637 |
| Retained earnings to average equity (ytd only) | 3.1813% | 4,657 |
| Net charge-offs to loans | 0.1228% | 3,372 |
| Credit loss provision to net charge-offs | 2,070.8333% | 151 |
| Earnings coverage of net charge-offs (x) | 24.0833% | 1,068 |
| Efficiency ratio | 67.8174% | 4,206 |
| Assets per employee ($millions) | 4.0167% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0290% | 175 |
| Loan loss allowance to noncurrent loans | 52.3117% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 6.6536% | 666 |
| Noncurrent loans to loans | 9.6136% | 330 |
| Net loans and leases to total assets | 53.6504% | 4,780 |
| Net loans and leases to deposits | 63.6874% | 4,676 |
| Net loans and leases to core deposits | 65.8469% | 4,930 |
| Total domestic deposits to total assets | 84.2403% | 4,382 |
| Equity capital to assets | 10.6831% | 3,288 |
| Core capital (leverage) ratio | 9.4817% | 4,078 |
| Tier 1 risk-based capital ratio | 16.8138% | 2,753 |
| Total risk-based capital ratio | 18.1232% | 2,682 |
| Memoranda: | ||
| Average total assets | $143,324,000 | 3,985 |
| Average earning assets | $125,282,500 | 4,079 |
| Average equity | $14,962,500 | 4,001 |
| Average total loans | $78,150,000 | 4,175 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 3,514 |
| Cost of funding earning assets | 0.5200% | 6,456 |
| Net interest margin | 4.3468% | 1,555 |
| Noninterest income to average assets | 1.1262% | 1,040 |
| Noninterest expense to average assets | 3.2066% | 2,839 |
| Loan and lease loss provision to assets | 1.3536% | 587 |
| Net operating income to assets | 0.4616% | 4,584 |
| Return on assets (ROA) | 0.4616% | 4,787 |
| Pretax return on assets | 0.4020% | 5,291 |
| Return on Equity (ROE) | 4.7027% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.0132% | 3,335 |
| Net charge-offs to loans | 2.3227% | 535 |
| Credit loss provision to net charge-offs | 107.0664% | 3,162 |
| Earnings coverage of net charge-offs (x) | 1.3887% | 4,728 |
| Efficiency ratio | 64.6208% | 5,016 |
| Assets per employee ($millions) | 3.9476% | 3,973 |
| Cash dividends to net income (ytd only)* | 14.6628% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5798% | 244 |
| Loan loss allowance to noncurrent loans | 48.1999% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 6.1782% | 783 |
| Noncurrent loans to loans | 9.5017% | 351 |
| Net loans and leases to total assets | 50.2252% | 5,553 |
| Net loans and leases to deposits | 61.7280% | 5,279 |
| Net loans and leases to core deposits | 64.6999% | 5,397 |
| Total domestic deposits to total assets | 81.3654% | 5,340 |
| Equity capital to assets | 10.2053% | 3,897 |
| Core capital (leverage) ratio | 9.0658% | 4,673 |
| Tier 1 risk-based capital ratio | 17.2032% | 2,510 |
| Total risk-based capital ratio | 18.4930% | 2,462 |
| Memoranda: | ||
| Average total assets | $147,758,600 | 3,839 |
| Average earning assets | $130,394,200 | 3,922 |
| Average equity | $14,502,200 | 4,008 |
| Average total loans | $80,424,800 | 4,130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 3,472 |
| Cost of funding earning assets | 0.5616% | 6,467 |
| Net interest margin | 4.3584% | 1,534 |
| Noninterest income to average assets | 1.0275% | 1,277 |
| Noninterest expense to average assets | 3.1510% | 2,992 |
| Loan and lease loss provision to assets | 1.3461% | 549 |
| Net operating income to assets | 0.4436% | 4,809 |
| Return on assets (ROA) | 0.4436% | 5,002 |
| Pretax return on assets | 0.3779% | 5,533 |
| Return on Equity (ROE) | 4.5643% | 4,743 |
| Retained earnings to average equity (ytd only) | 3.6385% | 4,159 |
| Net charge-offs to loans | 0.8576% | 1,852 |
| Credit loss provision to net charge-offs | 286.0421% | 999 |
| Earnings coverage of net charge-offs (x) | 3.6635% | 3,342 |
| Efficiency ratio | 64.6364% | 4,960 |
| Assets per employee ($millions) | 3.9656% | 3,928 |
| Cash dividends to net income (ytd only)* | 20.2839% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4899% | 133 |
| Loan loss allowance to noncurrent loans | 81.9001% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 4.6260% | 1,287 |
| Noncurrent loans to loans | 6.7032% | 767 |
| Net loans and leases to total assets | 49.8321% | 5,722 |
| Net loans and leases to deposits | 62.1502% | 5,384 |
| Net loans and leases to core deposits | 64.9650% | 5,528 |
| Total domestic deposits to total assets | 80.1801% | 5,682 |
| Equity capital to assets | 9.7371% | 4,726 |
| Core capital (leverage) ratio | 9.0874% | 4,798 |
| Tier 1 risk-based capital ratio | 16.3861% | 2,919 |
| Total risk-based capital ratio | 17.6868% | 2,859 |
| Memoranda: | ||
| Average total assets | $148,182,750 | 3,857 |
| Average earning assets | $130,810,000 | 3,938 |
| Average equity | $14,401,250 | 4,054 |
| Average total loans | $81,310,750 | 4,135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 3,350 |
| Cost of funding earning assets | 0.5972% | 6,476 |
| Net interest margin | 4.3635% | 1,480 |
| Noninterest income to average assets | 1.0940% | 1,081 |
| Noninterest expense to average assets | 3.1165% | 3,189 |
| Loan and lease loss provision to assets | 1.3465% | 548 |
| Net operating income to assets | 0.5090% | 4,461 |
| Return on assets (ROA) | 0.5090% | 4,603 |
| Pretax return on assets | 0.4791% | 5,137 |
| Return on Equity (ROE) | 5.2408% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.8433% | 3,757 |
| Net charge-offs to loans | 0.8105% | 1,883 |
| Credit loss provision to net charge-offs | 298.7952% | 1,026 |
| Earnings coverage of net charge-offs (x) | 4.0512% | 2,980 |
| Efficiency ratio | 63.0596% | 5,398 |
| Assets per employee ($millions) | 3.9698% | 3,824 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0150% | 187 |
| Loan loss allowance to noncurrent loans | 85.6750% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 4.5887% | 1,362 |
| Noncurrent loans to loans | 5.8535% | 1,040 |
| Net loans and leases to total assets | 52.2113% | 5,543 |
| Net loans and leases to deposits | 63.6022% | 5,329 |
| Net loans and leases to core deposits | 67.9277% | 5,294 |
| Total domestic deposits to total assets | 82.0904% | 5,135 |
| Equity capital to assets | 9.8746% | 4,305 |
| Core capital (leverage) ratio | 8.8211% | 5,012 |
| Tier 1 risk-based capital ratio | 15.5783% | 3,199 |
| Total risk-based capital ratio | 16.8557% | 3,139 |
| Memoranda: | ||
| Average total assets | $147,346,330 | 3,896 |
| Average earning assets | $129,942,330 | 3,983 |
| Average equity | $14,310,670 | 4,060 |
| Average total loans | $81,929,330 | 4,157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 3,084 |
| Cost of funding earning assets | 0.6380% | 6,437 |
| Net interest margin | 4.3681% | 1,372 |
| Noninterest income to average assets | 1.0245% | 1,256 |
| Noninterest expense to average assets | 3.1441% | 3,095 |
| Loan and lease loss provision to assets | 1.3362% | 503 |
| Net operating income to assets | 0.4635% | 4,647 |
| Return on assets (ROA) | 0.4635% | 4,728 |
| Pretax return on assets | 0.4039% | 5,333 |
| Return on Equity (ROE) | 4.8122% | 4,496 |
| Retained earnings to average equity (ytd only) | 1.9980% | 4,931 |
| Net charge-offs to loans | 1.1730% | 1,187 |
| Credit loss provision to net charge-offs | 203.7190% | 1,459 |
| Earnings coverage of net charge-offs (x) | 2.6529% | 3,015 |
| Efficiency ratio | 64.3729% | 5,301 |
| Assets per employee ($millions) | 3.9322% | 3,986 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3954% | 311 |
| Loan loss allowance to noncurrent loans | 69.3333% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 4.4030% | 1,482 |
| Noncurrent loans to loans | 6.3395% | 967 |
| Net loans and leases to total assets | 54.4181% | 5,241 |
| Net loans and leases to deposits | 66.9429% | 4,834 |
| Net loans and leases to core deposits | 71.1254% | 4,914 |
| Total domestic deposits to total assets | 81.2904% | 5,576 |
| Equity capital to assets | 9.7607% | 4,090 |
| Core capital (leverage) ratio | 8.5239% | 5,408 |
| Tier 1 risk-based capital ratio | 14.3836% | 3,818 |
| Total risk-based capital ratio | 15.6814% | 3,742 |
| Memoranda: | ||
| Average total assets | $147,578,500 | 3,923 |
| Average earning assets | $130,399,500 | 4,020 |
| Average equity | $14,214,000 | 4,067 |
| Average total loans | $82,525,000 | 4,178 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 4,064 |
| Cost of funding earning assets | 0.9324% | 6,021 |
| Net interest margin | 4.1756% | 2,275 |
| Noninterest income to average assets | 0.9612% | 1,639 |
| Noninterest expense to average assets | 3.0084% | 3,818 |
| Loan and lease loss provision to assets | 3.7687% | 182 |
| Net operating income to assets | -1.0456% | 6,710 |
| Return on assets (ROA) | -1.0456% | 6,743 |
| Pretax return on assets | -2.0715% | 7,046 |
| Return on Equity (ROE) | -10.7524% | 6,758 |
| Retained earnings to average equity (ytd only) | -13.6861% | 6,826 |
| Net charge-offs to loans | 5.6732% | 115 |
| Credit loss provision to net charge-offs | 119.2300% | 3,558 |
| Earnings coverage of net charge-offs (x) | 0.5369% | 5,575 |
| Efficiency ratio | 63.9321% | 5,365 |
| Assets per employee ($millions) | 3.9386% | 3,920 |
| Cash dividends to net income (ytd only)* | -27.2841% | 7,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1211% | 360 |
| Loan loss allowance to noncurrent loans | 57.7342% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 4.2782% | 1,559 |
| Noncurrent loans to loans | 7.1380% | 782 |
| Net loans and leases to total assets | 52.6823% | 5,823 |
| Net loans and leases to deposits | 66.5668% | 5,328 |
| Net loans and leases to core deposits | 71.6094% | 5,250 |
| Total domestic deposits to total assets | 79.1421% | 6,050 |
| Equity capital to assets | 9.5059% | 4,398 |
| Core capital (leverage) ratio | 8.6751% | 5,061 |
| Tier 1 risk-based capital ratio | 15.7654% | 2,861 |
| Total risk-based capital ratio | 17.0595% | 2,804 |
| Memoranda: | ||
| Average total assets | $152,837,000 | 3,827 |
| Average earning assets | $137,059,000 | 3,875 |
| Average equity | $14,861,800 | 3,965 |
| Average total loans | $85,154,800 | 4,178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 3,827 |
| Cost of funding earning assets | 0.9765% | 6,048 |
| Net interest margin | 4.2242% | 2,129 |
| Noninterest income to average assets | 1.0440% | 1,326 |
| Noninterest expense to average assets | 2.8926% | 4,123 |
| Loan and lease loss provision to assets | 1.8416% | 675 |
| Net operating income to assets | 0.2768% | 5,249 |
| Return on assets (ROA) | 0.2768% | 5,412 |
| Pretax return on assets | 0.1128% | 5,894 |
| Return on Equity (ROE) | 2.8316% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.8432% | 5,468 |
| Net charge-offs to loans | 2.1191% | 873 |
| Credit loss provision to net charge-offs | 155.4579% | 2,469 |
| Earnings coverage of net charge-offs (x) | 1.6498% | 4,471 |
| Efficiency ratio | 59.6777% | 6,002 |
| Assets per employee ($millions) | 3.9637% | 3,910 |
| Cash dividends to net income (ytd only)* | 70.2201% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7431% | 454 |
| Loan loss allowance to noncurrent loans | 42.6828% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 5.0452% | 1,272 |
| Noncurrent loans to loans | 8.7696% | 561 |
| Net loans and leases to total assets | 53.5165% | 5,917 |
| Net loans and leases to deposits | 67.4747% | 5,492 |
| Net loans and leases to core deposits | 72.5163% | 5,454 |
| Total domestic deposits to total assets | 79.3135% | 5,929 |
| Equity capital to assets | 9.7947% | 4,420 |
| Core capital (leverage) ratio | 9.3101% | 4,196 |
| Tier 1 risk-based capital ratio | 15.3157% | 3,094 |
| Total risk-based capital ratio | 16.5974% | 3,037 |
| Memoranda: | ||
| Average total assets | $153,630,000 | 3,864 |
| Average earning assets | $138,311,750 | 3,899 |
| Average equity | $15,020,500 | 3,983 |
| Average total loans | $85,884,500 | 4,228 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2419% | 3,751 |
| Cost of funding earning assets | 1.0461% | 5,932 |
| Net interest margin | 4.1959% | 2,169 |
| Noninterest income to average assets | 1.0632% | 1,186 |
| Noninterest expense to average assets | 2.8321% | 4,352 |
| Loan and lease loss provision to assets | 1.6228% | 801 |
| Net operating income to assets | 0.4305% | 4,621 |
| Return on assets (ROA) | 0.4305% | 4,779 |
| Pretax return on assets | 0.3757% | 5,287 |
| Return on Equity (ROE) | 4.4058% | 4,596 |
| Retained earnings to average equity (ytd only) | 2.5367% | 4,539 |
| Net charge-offs to loans | 1.3556% | 1,405 |
| Credit loss provision to net charge-offs | 213.7457% | 1,824 |
| Earnings coverage of net charge-offs (x) | 2.6323% | 3,680 |
| Efficiency ratio | 58.6281% | 6,288 |
| Assets per employee ($millions) | 4.1992% | 3,385 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6311% | 499 |
| Loan loss allowance to noncurrent loans | 45.8713% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 4.7046% | 1,375 |
| Noncurrent loans to loans | 7.9159% | 660 |
| Net loans and leases to total assets | 54.8098% | 5,869 |
| Net loans and leases to deposits | 68.0673% | 5,553 |
| Net loans and leases to core deposits | 73.0352% | 5,549 |
| Total domestic deposits to total assets | 80.5228% | 5,555 |
| Equity capital to assets | 9.9476% | 4,081 |
| Core capital (leverage) ratio | 9.4602% | 3,878 |
| Tier 1 risk-based capital ratio | 15.4609% | 2,915 |
| Total risk-based capital ratio | 16.7328% | 2,869 |
| Memoranda: | ||
| Average total assets | $153,312,000 | 3,896 |
| Average earning assets | $137,659,330 | 3,941 |
| Average equity | $14,980,330 | 3,998 |
| Average total loans | $85,864,330 | 4,255 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 3,639 |
| Cost of funding earning assets | 1.1474% | 5,671 |
| Net interest margin | 4.1337% | 2,305 |
| Noninterest income to average assets | 1.0727% | 1,102 |
| Noninterest expense to average assets | 2.7646% | 4,628 |
| Loan and lease loss provision to assets | 0.9587% | 1,308 |
| Net operating income to assets | 0.8395% | 2,794 |
| Return on assets (ROA) | 0.8395% | 2,893 |
| Pretax return on assets | 1.0364% | 2,949 |
| Return on Equity (ROE) | 8.6680% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.0628% | 2,110 |
| Net charge-offs to loans | 0.9883% | 1,659 |
| Credit loss provision to net charge-offs | 174.5283% | 2,086 |
| Earnings coverage of net charge-offs (x) | 3.6321% | 2,844 |
| Efficiency ratio | 58.0838% | 6,477 |
| Assets per employee ($millions) | 4.1608% | 3,541 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0703% | 772 |
| Loan loss allowance to noncurrent loans | 76.3043% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.8868% | 2,488 |
| Noncurrent loans to loans | 4.0237% | 1,945 |
| Net loans and leases to total assets | 55.1790% | 5,863 |
| Net loans and leases to deposits | 69.2196% | 5,445 |
| Net loans and leases to core deposits | 74.8820% | 5,402 |
| Total domestic deposits to total assets | 79.7159% | 5,881 |
| Equity capital to assets | 10.0610% | 3,788 |
| Core capital (leverage) ratio | 9.3287% | 3,999 |
| Tier 1 risk-based capital ratio | 15.6470% | 2,807 |
| Total risk-based capital ratio | 16.8849% | 2,759 |
| Memoranda: | ||
| Average total assets | $154,382,000 | 3,939 |
| Average earning assets | $137,698,000 | 4,001 |
| Average equity | $14,951,500 | 4,028 |
| Average total loans | $85,807,000 | 4,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 3,039 |
| Cost of funding earning assets | 1.6538% | 4,773 |
| Net interest margin | 4.0596% | 2,608 |
| Noninterest income to average assets | 1.0358% | 1,453 |
| Noninterest expense to average assets | 2.4433% | 6,326 |
| Loan and lease loss provision to assets | 3.9610% | 349 |
| Net operating income to assets | -0.8193% | 6,450 |
| Return on assets (ROA) | -0.9093% | 6,517 |
| Pretax return on assets | -2.0081% | 6,947 |
| Return on Equity (ROE) | -9.2700% | 6,563 |
| Retained earnings to average equity (ytd only) | -12.2454% | 6,702 |
| Net charge-offs to loans | 5.7890% | 182 |
| Credit loss provision to net charge-offs | 120.9786% | 4,412 |
| Earnings coverage of net charge-offs (x) | 0.6395% | 5,456 |
| Efficiency ratio | 53.8528% | 7,247 |
| Assets per employee ($millions) | 4.4160% | 3,076 |
| Cash dividends to net income (ytd only)* | -32.0970% | 7,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8490% | 881 |
| Loan loss allowance to noncurrent loans | 109.5768% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 2.1972% | 3,130 |
| Noncurrent loans to loans | 2.6000% | 2,958 |
| Net loans and leases to total assets | 52.7655% | 6,334 |
| Net loans and leases to deposits | 68.2519% | 5,792 |
| Net loans and leases to core deposits | 77.5808% | 6,295 |
| Total domestic deposits to total assets | 77.3099% | 6,384 |
| Equity capital to assets | 9.3303% | 4,667 |
| Core capital (leverage) ratio | 8.3837% | 5,466 |
| Tier 1 risk-based capital ratio | 14.5606% | 3,168 |
| Total risk-based capital ratio | 15.8362% | 3,109 |
| Memoranda: | ||
| Average total assets | $154,177,000 | 3,892 |
| Average earning assets | $132,969,800 | 4,031 |
| Average equity | $15,124,000 | 4,040 |
| Average total loans | $87,199,200 | 4,299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9038% | 2,434 |
| Cost of funding earning assets | 1.7143% | 4,827 |
| Net interest margin | 4.1895% | 2,098 |
| Noninterest income to average assets | 1.0302% | 1,493 |
| Noninterest expense to average assets | 2.6409% | 5,559 |
| Loan and lease loss provision to assets | 0.7827% | 2,418 |
| Net operating income to assets | 1.0799% | 1,798 |
| Return on assets (ROA) | 1.0799% | 1,848 |
| Pretax return on assets | 1.1871% | 2,307 |
| Return on Equity (ROE) | 10.8705% | 1,662 |
| Retained earnings to average equity (ytd only) | 7.2733% | 1,408 |
| Net charge-offs to loans | 1.0021% | 1,969 |
| Credit loss provision to net charge-offs | 136.6819% | 3,624 |
| Earnings coverage of net charge-offs (x) | 3.4399% | 3,531 |
| Efficiency ratio | 57.2779% | 6,831 |
| Assets per employee ($millions) | 4.6719% | 2,600 |
| Cash dividends to net income (ytd only)* | 33.0910% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 2,217 |
| Loan loss allowance to noncurrent loans | 49.3241% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.1428% | 3,170 |
| Noncurrent loans to loans | 3.6929% | 2,023 |
| Net loans and leases to total assets | 52.6220% | 6,549 |
| Net loans and leases to deposits | 70.1608% | 5,895 |
| Net loans and leases to core deposits | 80.4028% | 6,318 |
| Total domestic deposits to total assets | 75.0021% | 6,773 |
| Equity capital to assets | 9.9174% | 4,194 |
| Core capital (leverage) ratio | 9.6544% | 3,710 |
| Tier 1 risk-based capital ratio | 16.5656% | 2,400 |
| Total risk-based capital ratio | 17.8229% | 2,358 |
| Memoranda: | ||
| Average total assets | $152,977,000 | 3,931 |
| Average earning assets | $130,737,750 | 4,090 |
| Average equity | $15,196,750 | 4,061 |
| Average total loans | $87,412,750 | 4,326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9352% | 2,436 |
| Cost of funding earning assets | 1.7381% | 5,070 |
| Net interest margin | 4.1971% | 2,014 |
| Noninterest income to average assets | 1.0669% | 1,396 |
| Noninterest expense to average assets | 2.7856% | 5,022 |
| Loan and lease loss provision to assets | 0.3908% | 3,571 |
| Net operating income to assets | 1.3657% | 1,090 |
| Return on assets (ROA) | 1.3657% | 1,160 |
| Pretax return on assets | 1.5672% | 1,284 |
| Return on Equity (ROE) | 13.7393% | 1,038 |
| Retained earnings to average equity (ytd only) | 10.0664% | 720 |
| Net charge-offs to loans | 0.0324% | 6,004 |
| Credit loss provision to net charge-offs | 2,064.2857% | 253 |
| Earnings coverage of net charge-offs (x) | 103.4286% | 370 |
| Efficiency ratio | 58.7229% | 6,733 |
| Assets per employee ($millions) | 4.3319% | 3,053 |
| Cash dividends to net income (ytd only)* | 26.7327% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 1,864 |
| Loan loss allowance to noncurrent loans | 49.7772% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.1591% | 2,985 |
| Noncurrent loans to loans | 3.7593% | 1,838 |
| Net loans and leases to total assets | 56.3572% | 6,170 |
| Net loans and leases to deposits | 78.6561% | 4,755 |
| Net loans and leases to core deposits | 91.9869% | 5,353 |
| Total domestic deposits to total assets | 71.6502% | 7,283 |
| Equity capital to assets | 9.7725% | 4,254 |
| Core capital (leverage) ratio | 9.6465% | 3,708 |
| Tier 1 risk-based capital ratio | 15.9160% | 2,655 |
| Total risk-based capital ratio | 17.1814% | 2,593 |
| Memoranda: | ||
| Average total assets | $147,906,000 | 4,032 |
| Average earning assets | $129,566,000 | 4,143 |
| Average equity | $14,702,330 | 4,157 |
| Average total loans | $86,501,330 | 4,382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 3,238 |
| Cost of funding earning assets | 1.7460% | 5,372 |
| Net interest margin | 4.0667% | 2,414 |
| Noninterest income to average assets | 1.0425% | 1,371 |
| Noninterest expense to average assets | 2.8217% | 4,471 |
| Loan and lease loss provision to assets | 0.2975% | 3,571 |
| Net operating income to assets | 1.4929% | 951 |
| Return on assets (ROA) | 1.4929% | 1,022 |
| Pretax return on assets | 1.5624% | 1,503 |
| Return on Equity (ROE) | 14.8820% | 998 |
| Retained earnings to average equity (ytd only) | 7.3995% | 2,056 |
| Net charge-offs to loans | 0.0282% | 5,133 |
| Credit loss provision to net charge-offs | 1,783.3333% | 361 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 394 |
| Efficiency ratio | 60.2732% | 6,359 |
| Assets per employee ($millions) | 4.1588% | 3,341 |
| Cash dividends to net income (ytd only)* | 50.2793% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 1,968 |
| Loan loss allowance to noncurrent loans | 45.9468% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 2.2459% | 2,553 |
| Noncurrent loans to loans | 3.8199% | 1,609 |
| Net loans and leases to total assets | 57.7623% | 5,980 |
| Net loans and leases to deposits | 77.6033% | 4,990 |
| Net loans and leases to core deposits | 91.1957% | 5,444 |
| Total domestic deposits to total assets | 74.4327% | 6,813 |
| Equity capital to assets | 10.1781% | 3,783 |
| Core capital (leverage) ratio | 9.9762% | 3,434 |
| Tier 1 risk-based capital ratio | 15.9287% | 2,712 |
| Total risk-based capital ratio | 17.1947% | 2,648 |
| Memoranda: | ||
| Average total assets | $143,885,000 | 4,114 |
| Average earning assets | $128,754,000 | 4,179 |
| Average equity | $14,433,500 | 4,239 |
| Average total loans | $84,970,000 | 4,462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1382% | 4,844 |
| Cost of funding earning assets | 2.2236% | 5,487 |
| Net interest margin | 3.9146% | 3,499 |
| Noninterest income to average assets | 1.2600% | 926 |
| Noninterest expense to average assets | 2.7545% | 5,029 |
| Loan and lease loss provision to assets | 0.5751% | 2,525 |
| Net operating income to assets | 1.1765% | 1,851 |
| Return on assets (ROA) | 1.1970% | 1,710 |
| Pretax return on assets | 1.5040% | 1,674 |
| Return on Equity (ROE) | 11.8616% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.8201% | 2,133 |
| Net charge-offs to loans | 0.1696% | 4,506 |
| Credit loss provision to net charge-offs | 603.8462% | 712 |
| Earnings coverage of net charge-offs (x) | 21.5615% | 1,525 |
| Efficiency ratio | 57.2909% | 6,821 |
| Assets per employee ($millions) | 4.0632% | 3,386 |
| Cash dividends to net income (ytd only)* | 59.3635% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 2,029 |
| Loan loss allowance to noncurrent loans | 39.2987% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.5068% | 1,934 |
| Noncurrent loans to loans | 4.2259% | 1,151 |
| Net loans and leases to total assets | 58.3350% | 6,156 |
| Net loans and leases to deposits | 80.1654% | 5,021 |
| Net loans and leases to core deposits | 93.1151% | 5,536 |
| Total domestic deposits to total assets | 72.7683% | 6,870 |
| Equity capital to assets | 9.8810% | 4,183 |
| Core capital (leverage) ratio | 9.6361% | 3,839 |
| Tier 1 risk-based capital ratio | 15.8286% | 2,735 |
| Total risk-based capital ratio | 17.0834% | 2,670 |
| Memoranda: | ||
| Average total assets | $136,502,800 | 4,147 |
| Average earning assets | $123,717,200 | 4,182 |
| Average equity | $13,775,600 | 4,387 |
| Average total loans | $76,632,600 | 4,626 |