Home > First Community Bank of East Tennessee > Performance and Condition Ratios
First Community Bank of East Tennessee, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 2,039 |
| Cost of funding earning assets | 0.7467% | 3,857 |
| Net interest margin | 4.2707% | 846 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.6823% | 1,787 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.4693% | 1,079 |
| Return on assets (ROA) | 1.4693% | 1,052 |
| Pretax return on assets | 1.8727% | 801 |
| Return on Equity (ROE) | 14.8700% | 1,312 |
| Retained earnings to average equity (ytd only) | 0.7259% | 3,892 |
| Net charge-offs to loans | -0.0062% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.1292% | 3,174 |
| Assets per employee ($millions) | 4.4519% | 3,974 |
| Cash dividends to net income (ytd only)* | 95.1173% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,116 |
| Loan loss allowance to noncurrent loans | 1,033.8983% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 2,419 |
| Noncurrent loans to loans | 0.1189% | 2,926 |
| Net loans and leases to total assets | 70.2500% | 1,780 |
| Net loans and leases to deposits | 81.3802% | 1,999 |
| Net loans and leases to core deposits | 85.2468% | 2,360 |
| Total domestic deposits to total assets | 86.3300% | 1,903 |
| Equity capital to assets | 9.9801% | 2,024 |
| Core capital (leverage) ratio | 10.6111% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $214,662,600 | 2,876 |
| Average earning assets | $197,389,600 | 2,892 |
| Average equity | $21,213,800 | 2,758 |
| Average total loans | $145,671,800 | 2,708 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 2,000 |
| Cost of funding earning assets | 0.6453% | 3,885 |
| Net interest margin | 4.2844% | 818 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.6954% | 1,672 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.4677% | 1,193 |
| Return on assets (ROA) | 1.4677% | 1,177 |
| Pretax return on assets | 1.9473% | 806 |
| Return on Equity (ROE) | 14.8900% | 1,462 |
| Retained earnings to average equity (ytd only) | 8.6271% | 1,785 |
| Net charge-offs to loans | -0.0064% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3980% | 3,155 |
| Assets per employee ($millions) | 4.5089% | 3,934 |
| Cash dividends to net income (ytd only)* | 42.0521% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,065 |
| Loan loss allowance to noncurrent loans | 1,003.8462% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,462 |
| Noncurrent loans to loans | 0.1253% | 2,925 |
| Net loans and leases to total assets | 67.7000% | 2,080 |
| Net loans and leases to deposits | 78.7115% | 2,173 |
| Net loans and leases to core deposits | 82.8252% | 2,409 |
| Total domestic deposits to total assets | 86.0100% | 2,190 |
| Equity capital to assets | 10.2265% | 1,687 |
| Core capital (leverage) ratio | 11.0221% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $216,019,000 | 2,878 |
| Average earning assets | $198,546,000 | 2,887 |
| Average equity | $21,296,750 | 2,736 |
| Average total loans | $144,883,000 | 2,719 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 1,738 |
| Cost of funding earning assets | 0.5219% | 3,938 |
| Net interest margin | 4.3902% | 715 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.6883% | 1,669 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.6321% | 901 |
| Return on assets (ROA) | 1.6321% | 903 |
| Pretax return on assets | 2.1713% | 555 |
| Return on Equity (ROE) | 16.7600% | 1,139 |
| Retained earnings to average equity (ytd only) | 7.3117% | 2,190 |
| Net charge-offs to loans | -0.0055% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.6571% | 3,460 |
| Assets per employee ($millions) | 4.5280% | 3,933 |
| Cash dividends to net income (ytd only)* | 56.3698% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,175 |
| Loan loss allowance to noncurrent loans | 807.0796% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,272 |
| Noncurrent loans to loans | 0.1548% | 2,695 |
| Net loans and leases to total assets | 66.3300% | 2,119 |
| Net loans and leases to deposits | 76.3951% | 2,273 |
| Net loans and leases to core deposits | 77.6639% | 2,644 |
| Total domestic deposits to total assets | 86.8300% | 1,980 |
| Equity capital to assets | 9.7798% | 1,985 |
| Core capital (leverage) ratio | 10.1979% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $217,385,667 | 2,883 |
| Average earning assets | $200,036,333 | 2,886 |
| Average equity | $21,171,667 | 2,758 |
| Average total loans | $144,745,333 | 2,716 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 2,026 |
| Cost of funding earning assets | 0.3424% | 4,101 |
| Net interest margin | 4.2805% | 836 |
| Noninterest income to average assets | 1.1500% | 470 |
| Noninterest expense to average assets | 2.6568% | 1,783 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.8049% | 659 |
| Return on assets (ROA) | 1.8049% | 649 |
| Pretax return on assets | 2.4047% | 409 |
| Return on Equity (ROE) | 18.5700% | 953 |
| Retained earnings to average equity (ytd only) | 18.5712% | 472 |
| Net charge-offs to loans | -0.0028% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.2431% | 3,757 |
| Assets per employee ($millions) | 4.5627% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,206 |
| Loan loss allowance to noncurrent loans | 1,839.3939% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,669 |
| Noncurrent loans to loans | 0.0688% | 3,238 |
| Net loans and leases to total assets | 62.2400% | 2,443 |
| Net loans and leases to deposits | 70.9367% | 2,544 |
| Net loans and leases to core deposits | 71.9493% | 2,818 |
| Total domestic deposits to total assets | 87.7400% | 2,012 |
| Equity capital to assets | 9.4672% | 2,169 |
| Core capital (leverage) ratio | 10.7704% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $217,405,500 | 2,927 |
| Average earning assets | $199,789,500 | 2,931 |
| Average equity | $21,129,500 | 2,788 |
| Average total loans | $144,123,000 | 2,763 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 2,109 |
| Cost of funding earning assets | 0.1456% | 4,147 |
| Net interest margin | 3.7107% | 1,354 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.7583% | 1,421 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.8463% | 3,169 |
| Return on assets (ROA) | 0.8463% | 3,098 |
| Pretax return on assets | 1.0828% | 2,825 |
| Return on Equity (ROE) | 8.4300% | 3,269 |
| Retained earnings to average equity (ytd only) | 6.4807% | 2,460 |
| Net charge-offs to loans | -0.0149% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.9705% | 1,331 |
| Assets per employee ($millions) | 4.0525% | 4,264 |
| Cash dividends to net income (ytd only)* | 23.0947% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,523 |
| Loan loss allowance to noncurrent loans | 340.6439% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 1,800 |
| Noncurrent loans to loans | 0.3441% | 1,912 |
| Net loans and leases to total assets | 69.0700% | 1,722 |
| Net loans and leases to deposits | 79.2565% | 1,826 |
| Net loans and leases to core deposits | 79.5076% | 2,161 |
| Total domestic deposits to total assets | 87.1500% | 2,346 |
| Equity capital to assets | 9.9968% | 1,706 |
| Core capital (leverage) ratio | 10.8542% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,653,400 | 3,020 |
| Average earning assets | $181,314,600 | 3,054 |
| Average equity | $20,553,200 | 2,902 |
| Average total loans | $127,764,400 | 2,851 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 2,283 |
| Cost of funding earning assets | 0.1350% | 3,988 |
| Net interest margin | 3.4859% | 1,701 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.7607% | 1,325 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.8177% | 3,179 |
| Return on assets (ROA) | 0.8177% | 3,143 |
| Pretax return on assets | 1.0652% | 2,831 |
| Return on Equity (ROE) | 8.1300% | 3,287 |
| Retained earnings to average equity (ytd only) | 8.1325% | 1,950 |
| Net charge-offs to loans | -0.0162% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.7310% | 1,305 |
| Assets per employee ($millions) | 4.0787% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,257 |
| Loan loss allowance to noncurrent loans | 1,608.5714% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 3,071 |
| Noncurrent loans to loans | 0.0777% | 3,321 |
| Net loans and leases to total assets | 66.7700% | 1,807 |
| Net loans and leases to deposits | 77.1300% | 1,788 |
| Net loans and leases to core deposits | 77.8227% | 2,053 |
| Total domestic deposits to total assets | 86.5600% | 2,901 |
| Equity capital to assets | 10.2484% | 1,492 |
| Core capital (leverage) ratio | 10.5872% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $204,147,500 | 3,040 |
| Average earning assets | $179,692,000 | 3,093 |
| Average equity | $20,526,250 | 2,948 |
| Average total loans | $123,595,250 | 2,894 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3324% | 2,635 |
| Cost of funding earning assets | 0.1349% | 3,776 |
| Net interest margin | 3.1975% | 2,197 |
| Noninterest income to average assets | 0.7627% | 1,145 |
| Noninterest expense to average assets | 2.7493% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6411% | 3,504 |
| Return on assets (ROA) | 0.6411% | 3,455 |
| Pretax return on assets | 0.8269% | 3,259 |
| Return on Equity (ROE) | 6.4164% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.4164% | 2,199 |
| Net charge-offs to loans | -0.0167% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8770% | 1,190 |
| Assets per employee ($millions) | 4.1138% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,601 |
| Loan loss allowance to noncurrent loans | 1,546.1538% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,114 |
| Noncurrent loans to loans | 0.0930% | 3,306 |
| Net loans and leases to total assets | 59.0741% | 2,435 |
| Net loans and leases to deposits | 67.6408% | 2,418 |
| Net loans and leases to core deposits | 68.6304% | 2,594 |
| Total domestic deposits to total assets | 87.3350% | 2,817 |
| Equity capital to assets | 9.7237% | 1,864 |
| Core capital (leverage) ratio | 10.1061% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,578,000 | 3,061 |
| Average earning assets | $180,893,000 | 3,124 |
| Average equity | $20,541,000 | 3,013 |
| Average total loans | $119,751,333 | 2,949 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1474% | 2,836 |
| Cost of funding earning assets | 0.1383% | 3,657 |
| Net interest margin | 3.0091% | 2,471 |
| Noninterest income to average assets | 0.7097% | 1,284 |
| Noninterest expense to average assets | 2.7622% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4738% | 3,774 |
| Return on assets (ROA) | 0.4738% | 3,744 |
| Pretax return on assets | 0.5996% | 3,633 |
| Return on Equity (ROE) | 4.6771% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.6771% | 2,713 |
| Net charge-offs to loans | -0.0171% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1637% | 973 |
| Assets per employee ($millions) | 4.0527% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,430 |
| Loan loss allowance to noncurrent loans | 1,478.6885% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 2,661 |
| Noncurrent loans to loans | 0.1040% | 3,322 |
| Net loans and leases to total assets | 55.8972% | 2,539 |
| Net loans and leases to deposits | 64.1004% | 2,520 |
| Net loans and leases to core deposits | 65.5111% | 2,672 |
| Total domestic deposits to total assets | 87.2026% | 2,855 |
| Equity capital to assets | 9.8679% | 1,994 |
| Core capital (leverage) ratio | 10.1090% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,464,000 | 3,083 |
| Average earning assets | $179,324,500 | 3,148 |
| Average equity | $20,611,000 | 3,094 |
| Average total loans | $116,752,000 | 2,972 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 2,985 |
| Cost of funding earning assets | 0.1803% | 3,657 |
| Net interest margin | 3.1974% | 2,603 |
| Noninterest income to average assets | 0.7001% | 1,768 |
| Noninterest expense to average assets | 2.8437% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5169% | 4,046 |
| Return on assets (ROA) | 0.5169% | 4,095 |
| Pretax return on assets | 0.6514% | 4,032 |
| Return on Equity (ROE) | 4.6319% | 4,076 |
| Retained earnings to average equity (ytd only) | -2.7276% | 4,648 |
| Net charge-offs to loans | -0.0116% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3629% | 730 |
| Assets per employee ($millions) | 3.9262% | 4,450 |
| Cash dividends to net income (ytd only)* | 158.8878% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,391 |
| Loan loss allowance to noncurrent loans | 417.4014% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 1,951 |
| Noncurrent loans to loans | 0.3710% | 2,258 |
| Net loans and leases to total assets | 57.1155% | 2,464 |
| Net loans and leases to deposits | 66.0462% | 2,510 |
| Net loans and leases to core deposits | 67.7694% | 2,671 |
| Total domestic deposits to total assets | 86.4781% | 2,724 |
| Equity capital to assets | 10.4006% | 2,263 |
| Core capital (leverage) ratio | 10.0569% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,819,400 | 3,100 |
| Average earning assets | $170,296,800 | 3,183 |
| Average equity | $21,740,600 | 3,078 |
| Average total loans | $111,918,800 | 3,049 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 3,044 |
| Cost of funding earning assets | 0.1928% | 3,694 |
| Net interest margin | 3.2283% | 2,640 |
| Noninterest income to average assets | 0.6795% | 1,892 |
| Noninterest expense to average assets | 2.8456% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5189% | 4,167 |
| Return on assets (ROA) | 0.5189% | 4,212 |
| Pretax return on assets | 0.6499% | 4,158 |
| Return on Equity (ROE) | 4.5699% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.5699% | 3,382 |
| Net charge-offs to loans | -0.0096% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4077% | 672 |
| Assets per employee ($millions) | 3.7866% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 1,233 |
| Loan loss allowance to noncurrent loans | 411.4679% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 2,130 |
| Noncurrent loans to loans | 0.4000% | 2,360 |
| Net loans and leases to total assets | 54.4527% | 2,919 |
| Net loans and leases to deposits | 64.8237% | 2,751 |
| Net loans and leases to core deposits | 66.5985% | 2,903 |
| Total domestic deposits to total assets | 84.0013% | 3,452 |
| Equity capital to assets | 11.3035% | 1,809 |
| Core capital (leverage) ratio | 10.9969% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,464,750 | 3,148 |
| Average earning assets | $168,751,750 | 3,226 |
| Average equity | $21,969,250 | 3,094 |
| Average total loans | $110,857,000 | 3,104 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 2,910 |
| Cost of funding earning assets | 0.2071% | 3,679 |
| Net interest margin | 3.2859% | 2,488 |
| Noninterest income to average assets | 0.6739% | 1,915 |
| Noninterest expense to average assets | 2.8692% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5387% | 4,140 |
| Return on assets (ROA) | 0.5387% | 4,186 |
| Pretax return on assets | 0.6760% | 4,112 |
| Return on Equity (ROE) | 4.7364% | 4,182 |
| Retained earnings to average equity (ytd only) | 4.7364% | 3,286 |
| Net charge-offs to loans | -0.0036% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9328% | 729 |
| Assets per employee ($millions) | 3.8816% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,286 |
| Loan loss allowance to noncurrent loans | 1,286.3309% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 3,068 |
| Noncurrent loans to loans | 0.1239% | 3,571 |
| Net loans and leases to total assets | 55.7455% | 2,934 |
| Net loans and leases to deposits | 65.0619% | 2,893 |
| Net loans and leases to core deposits | 66.5710% | 3,065 |
| Total domestic deposits to total assets | 85.6807% | 2,845 |
| Equity capital to assets | 11.1581% | 1,865 |
| Core capital (leverage) ratio | 10.8865% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,318,667 | 3,157 |
| Average earning assets | $168,051,000 | 3,243 |
| Average equity | $21,873,333 | 3,100 |
| Average total loans | $111,471,667 | 3,108 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 3,029 |
| Cost of funding earning assets | 0.2082% | 3,841 |
| Net interest margin | 3.2566% | 2,527 |
| Noninterest income to average assets | 0.7810% | 1,631 |
| Noninterest expense to average assets | 2.8328% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6227% | 3,884 |
| Return on assets (ROA) | 0.6227% | 3,953 |
| Pretax return on assets | 0.7874% | 3,835 |
| Return on Equity (ROE) | 5.4214% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.4214% | 3,086 |
| Net charge-offs to loans | 0.0036% | 1,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 243 |
| Efficiency ratio | 78.2507% | 938 |
| Assets per employee ($millions) | 3.7644% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,342 |
| Loan loss allowance to noncurrent loans | 772.7273% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 3,012 |
| Noncurrent loans to loans | 0.2046% | 3,376 |
| Net loans and leases to total assets | 56.7605% | 2,948 |
| Net loans and leases to deposits | 67.5299% | 2,749 |
| Net loans and leases to core deposits | 68.9168% | 2,974 |
| Total domestic deposits to total assets | 84.0524% | 3,418 |
| Equity capital to assets | 11.1302% | 1,768 |
| Core capital (leverage) ratio | 11.4256% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,496,000 | 3,170 |
| Average earning assets | $165,203,500 | 3,265 |
| Average equity | $21,765,500 | 3,100 |
| Average total loans | $111,135,500 | 3,115 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 2,549 |
| Cost of funding earning assets | 0.3011% | 4,137 |
| Net interest margin | 3.7593% | 1,619 |
| Noninterest income to average assets | 0.7987% | 1,537 |
| Noninterest expense to average assets | 3.3265% | 875 |
| Loan and lease loss provision to assets | -0.1648% | 4,974 |
| Net operating income to assets | 0.7100% | 3,402 |
| Return on assets (ROA) | 0.7100% | 3,535 |
| Pretax return on assets | 0.9056% | 3,353 |
| Return on Equity (ROE) | 5.7393% | 3,665 |
| Retained earnings to average equity (ytd only) | -1.3903% | 4,665 |
| Net charge-offs to loans | -0.4690% | 4,950 |
| Credit loss provision to net charge-offs | 56.2030% | 3,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7861% | 758 |
| Assets per employee ($millions) | 3.4575% | 4,671 |
| Cash dividends to net income (ytd only)* | 124.2236% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 1,212 |
| Loan loss allowance to noncurrent loans | 399.3289% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,305 |
| Noncurrent loans to loans | 0.4087% | 2,750 |
| Net loans and leases to total assets | 58.7159% | 3,011 |
| Net loans and leases to deposits | 71.2519% | 2,760 |
| Net loans and leases to core deposits | 72.7163% | 3,018 |
| Total domestic deposits to total assets | 82.4061% | 3,563 |
| Equity capital to assets | 11.8661% | 1,641 |
| Core capital (leverage) ratio | 11.7567% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,420,200 | 3,091 |
| Average earning assets | $157,742,000 | 3,187 |
| Average equity | $22,441,600 | 2,975 |
| Average total loans | $113,444,200 | 3,047 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 2,450 |
| Cost of funding earning assets | 0.3201% | 4,214 |
| Net interest margin | 3.8588% | 1,452 |
| Noninterest income to average assets | 0.5548% | 2,373 |
| Noninterest expense to average assets | 3.3391% | 855 |
| Loan and lease loss provision to assets | -0.2592% | 5,017 |
| Net operating income to assets | 0.6513% | 3,626 |
| Return on assets (ROA) | 0.6513% | 3,728 |
| Pretax return on assets | 0.8326% | 3,564 |
| Return on Equity (ROE) | 5.2115% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.2115% | 2,469 |
| Net charge-offs to loans | -0.6977% | 4,985 |
| Credit loss provision to net charge-offs | 58.7646% | 2,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3484% | 541 |
| Assets per employee ($millions) | 3.5285% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,194 |
| Loan loss allowance to noncurrent loans | 130.8364% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 1,364 |
| Noncurrent loans to loans | 1.1965% | 1,271 |
| Net loans and leases to total assets | 60.4864% | 3,169 |
| Net loans and leases to deposits | 75.9039% | 2,761 |
| Net loans and leases to core deposits | 77.7503% | 3,032 |
| Total domestic deposits to total assets | 79.6881% | 3,929 |
| Equity capital to assets | 12.2732% | 1,534 |
| Core capital (leverage) ratio | 11.8204% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,964,000 | 3,081 |
| Average earning assets | $157,454,500 | 3,178 |
| Average equity | $22,616,000 | 2,970 |
| Average total loans | $114,460,500 | 3,050 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 1,788 |
| Cost of funding earning assets | 0.3470% | 4,283 |
| Net interest margin | 4.1990% | 923 |
| Noninterest income to average assets | 0.6035% | 2,115 |
| Noninterest expense to average assets | 3.4423% | 802 |
| Loan and lease loss provision to assets | -0.3934% | 5,052 |
| Net operating income to assets | 0.9343% | 2,559 |
| Return on assets (ROA) | 0.9343% | 2,694 |
| Pretax return on assets | 1.2193% | 2,298 |
| Return on Equity (ROE) | 7.4298% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.4298% | 1,491 |
| Net charge-offs to loans | -1.0445% | 5,023 |
| Credit loss provision to net charge-offs | 58.9615% | 2,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6494% | 844 |
| Assets per employee ($millions) | 3.3787% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 1,049 |
| Loan loss allowance to noncurrent loans | 183.5546% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 1,862 |
| Noncurrent loans to loans | 0.8624% | 1,767 |
| Net loans and leases to total assets | 58.0120% | 3,518 |
| Net loans and leases to deposits | 72.7316% | 3,188 |
| Net loans and leases to core deposits | 74.4428% | 3,422 |
| Total domestic deposits to total assets | 79.7618% | 3,886 |
| Equity capital to assets | 11.8872% | 1,735 |
| Core capital (leverage) ratio | 11.9748% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,949,000 | 3,082 |
| Average earning assets | $156,179,333 | 3,171 |
| Average equity | $22,504,000 | 2,961 |
| Average total loans | $114,309,333 | 3,042 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 1,800 |
| Cost of funding earning assets | 0.3925% | 4,386 |
| Net interest margin | 4.2782% | 794 |
| Noninterest income to average assets | 0.7738% | 1,387 |
| Noninterest expense to average assets | 3.5090% | 923 |
| Loan and lease loss provision to assets | -1.6267% | 5,112 |
| Net operating income to assets | 1.9892% | 274 |
| Return on assets (ROA) | 1.9892% | 301 |
| Pretax return on assets | 2.6399% | 135 |
| Return on Equity (ROE) | 15.3477% | 509 |
| Retained earnings to average equity (ytd only) | 15.3477% | 174 |
| Net charge-offs to loans | -2.4899% | 5,073 |
| Credit loss provision to net charge-offs | 98.0392% | 1,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5951% | 1,385 |
| Assets per employee ($millions) | 3.1404% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,736 |
| Loan loss allowance to noncurrent loans | 142.4545% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 1,777 |
| Noncurrent loans to loans | 0.9760% | 1,688 |
| Net loans and leases to total assets | 61.0196% | 3,396 |
| Net loans and leases to deposits | 79.5270% | 2,725 |
| Net loans and leases to core deposits | 82.1991% | 3,008 |
| Total domestic deposits to total assets | 76.7282% | 4,388 |
| Equity capital to assets | 12.5270% | 1,712 |
| Core capital (leverage) ratio | 13.0909% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,130,500 | 3,117 |
| Average earning assets | $150,811,500 | 3,185 |
| Average equity | $22,309,500 | 2,973 |
| Average total loans | $114,704,000 | 3,017 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 2,452 |
| Cost of funding earning assets | 0.3684% | 4,545 |
| Net interest margin | 4.2879% | 1,114 |
| Noninterest income to average assets | 0.7027% | 1,811 |
| Noninterest expense to average assets | 3.4716% | 1,003 |
| Loan and lease loss provision to assets | -0.1845% | 5,115 |
| Net operating income to assets | 0.8959% | 3,222 |
| Return on assets (ROA) | 0.8959% | 3,305 |
| Pretax return on assets | 1.1668% | 2,961 |
| Return on Equity (ROE) | 7.3327% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.5868% | 2,111 |
| Net charge-offs to loans | -0.0635% | 4,867 |
| Credit loss provision to net charge-offs | 426.6667% | 670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9446% | 1,159 |
| Assets per employee ($millions) | 2.7478% | 4,928 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 1,796 |
| Loan loss allowance to noncurrent loans | 254.8440% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 2,285 |
| Noncurrent loans to loans | 0.5219% | 2,619 |
| Net loans and leases to total assets | 71.0260% | 2,244 |
| Net loans and leases to deposits | 86.4966% | 2,026 |
| Net loans and leases to core deposits | 89.1630% | 2,498 |
| Total domestic deposits to total assets | 82.1143% | 3,482 |
| Equity capital to assets | 13.4482% | 1,299 |
| Core capital (leverage) ratio | 12.8628% | 1,300 |
| Tier 1 risk-based capital ratio | 17.1737% | 2,001 |
| Total risk-based capital ratio | 18.4236% | 1,938 |
| Memoranda: | ||
| Average total assets | $173,463,400 | 3,078 |
| Average earning assets | $151,752,800 | 3,161 |
| Average equity | $21,192,800 | 3,023 |
| Average total loans | $118,201,600 | 2,965 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 2,623 |
| Cost of funding earning assets | 0.3606% | 4,628 |
| Net interest margin | 4.2717% | 1,220 |
| Noninterest income to average assets | 0.6111% | 2,147 |
| Noninterest expense to average assets | 3.4312% | 1,039 |
| Loan and lease loss provision to assets | -0.2420% | 5,215 |
| Net operating income to assets | 0.9484% | 3,170 |
| Return on assets (ROA) | 0.9484% | 3,246 |
| Pretax return on assets | 1.1578% | 3,110 |
| Return on Equity (ROE) | 7.9464% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.9464% | 1,426 |
| Net charge-offs to loans | -0.0618% | 4,885 |
| Credit loss provision to net charge-offs | 581.8182% | 558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9318% | 1,025 |
| Assets per employee ($millions) | 2.7999% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 1,958 |
| Loan loss allowance to noncurrent loans | 106.2413% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 980 |
| Noncurrent loans to loans | 1.2254% | 1,275 |
| Net loans and leases to total assets | 70.3045% | 2,426 |
| Net loans and leases to deposits | 86.0839% | 2,178 |
| Net loans and leases to core deposits | 87.9989% | 2,731 |
| Total domestic deposits to total assets | 81.6698% | 3,569 |
| Equity capital to assets | 13.2521% | 1,483 |
| Core capital (leverage) ratio | 12.0148% | 1,839 |
| Tier 1 risk-based capital ratio | 16.5405% | 2,253 |
| Total risk-based capital ratio | 17.7693% | 2,195 |
| Memoranda: | ||
| Average total assets | $176,299,750 | 3,090 |
| Average earning assets | $154,189,750 | 3,177 |
| Average equity | $21,040,500 | 3,060 |
| Average total loans | $118,577,500 | 2,984 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 2,835 |
| Cost of funding earning assets | 0.3350% | 4,725 |
| Net interest margin | 4.2171% | 1,322 |
| Noninterest income to average assets | 0.5667% | 2,304 |
| Noninterest expense to average assets | 3.3967% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7178% | 3,943 |
| Return on assets (ROA) | 0.7178% | 4,002 |
| Pretax return on assets | 0.8622% | 3,947 |
| Return on Equity (ROE) | 6.2245% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.2245% | 2,179 |
| Net charge-offs to loans | 0.0370% | 2,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 35.2727% | 1,332 |
| Efficiency ratio | 79.7548% | 984 |
| Assets per employee ($millions) | 3.0575% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,246 |
| Loan loss allowance to noncurrent loans | 256.2771% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 2,015 |
| Noncurrent loans to loans | 0.5890% | 2,504 |
| Net loans and leases to total assets | 64.2424% | 3,313 |
| Net loans and leases to deposits | 78.4482% | 3,120 |
| Net loans and leases to core deposits | 79.7465% | 3,445 |
| Total domestic deposits to total assets | 81.8914% | 3,544 |
| Equity capital to assets | 11.7792% | 2,361 |
| Core capital (leverage) ratio | 11.1373% | 2,472 |
| Tier 1 risk-based capital ratio | 16.1362% | 2,351 |
| Total risk-based capital ratio | 17.3882% | 2,297 |
| Memoranda: | ||
| Average total assets | $180,000,670 | 3,055 |
| Average earning assets | $157,594,670 | 3,154 |
| Average equity | $20,756,670 | 3,079 |
| Average total loans | $118,879,000 | 2,999 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,717 |
| Cost of funding earning assets | 0.3190% | 4,783 |
| Net interest margin | 4.2259% | 1,249 |
| Noninterest income to average assets | 0.5606% | 2,225 |
| Noninterest expense to average assets | 3.3659% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7519% | 3,764 |
| Return on assets (ROA) | 0.7519% | 3,811 |
| Pretax return on assets | 0.9077% | 3,743 |
| Return on Equity (ROE) | 6.5917% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.5917% | 2,204 |
| Net charge-offs to loans | 0.1071% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,860 |
| Efficiency ratio | 78.7611% | 1,186 |
| Assets per employee ($millions) | 3.1517% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 1,295 |
| Loan loss allowance to noncurrent loans | 239.1599% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 1,659 |
| Noncurrent loans to loans | 0.6326% | 2,434 |
| Net loans and leases to total assets | 61.7912% | 3,524 |
| Net loans and leases to deposits | 74.9964% | 3,353 |
| Net loans and leases to core deposits | 75.3347% | 3,707 |
| Total domestic deposits to total assets | 82.3922% | 3,618 |
| Equity capital to assets | 11.1669% | 2,690 |
| Core capital (leverage) ratio | 11.0803% | 2,498 |
| Tier 1 risk-based capital ratio | 15.8839% | 2,493 |
| Total risk-based capital ratio | 17.1364% | 2,424 |
| Memoranda: | ||
| Average total assets | $179,803,500 | 3,091 |
| Average earning assets | $157,977,000 | 3,183 |
| Average equity | $20,510,500 | 3,112 |
| Average total loans | $119,485,500 | 3,026 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3305% | 3,004 |
| Cost of funding earning assets | 0.2277% | 4,897 |
| Net interest margin | 4.1028% | 1,671 |
| Noninterest income to average assets | 0.6072% | 2,252 |
| Noninterest expense to average assets | 3.2890% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8354% | 3,673 |
| Return on assets (ROA) | 0.8359% | 3,665 |
| Pretax return on assets | 0.9418% | 3,782 |
| Return on Equity (ROE) | 7.1248% | 3,784 |
| Retained earnings to average equity (ytd only) | -1.5171% | 5,102 |
| Net charge-offs to loans | 0.0617% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 23.2083% | 1,862 |
| Efficiency ratio | 77.7497% | 1,152 |
| Assets per employee ($millions) | 3.1010% | 4,925 |
| Cash dividends to net income (ytd only)* | 121.2938% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,384 |
| Loan loss allowance to noncurrent loans | 102.6857% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.4488% | 816 |
| Noncurrent loans to loans | 1.4309% | 1,087 |
| Net loans and leases to total assets | 69.3945% | 2,678 |
| Net loans and leases to deposits | 85.0156% | 2,403 |
| Net loans and leases to core deposits | 86.6010% | 2,872 |
| Total domestic deposits to total assets | 81.6256% | 3,743 |
| Equity capital to assets | 11.6645% | 2,127 |
| Core capital (leverage) ratio | 11.2041% | 2,350 |
| Tier 1 risk-based capital ratio | 14.8327% | 2,916 |
| Total risk-based capital ratio | 16.0848% | 2,840 |
| Memoranda: | ||
| Average total assets | $177,531,600 | 3,077 |
| Average earning assets | $156,770,200 | 3,172 |
| Average equity | $20,828,600 | 3,010 |
| Average total loans | $116,707,600 | 3,032 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 3,120 |
| Cost of funding earning assets | 0.2070% | 4,994 |
| Net interest margin | 4.0523% | 1,781 |
| Noninterest income to average assets | 0.5639% | 2,503 |
| Noninterest expense to average assets | 3.2903% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7238% | 4,153 |
| Return on assets (ROA) | 0.7238% | 4,163 |
| Pretax return on assets | 0.8567% | 4,150 |
| Return on Equity (ROE) | 6.1605% | 4,217 |
| Retained earnings to average equity (ytd only) | 6.1605% | 2,571 |
| Net charge-offs to loans | 0.0937% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 14.1602% | 2,304 |
| Efficiency ratio | 79.3408% | 1,005 |
| Assets per employee ($millions) | 3.2384% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,232 |
| Loan loss allowance to noncurrent loans | 256.5280% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 1,966 |
| Noncurrent loans to loans | 0.6000% | 2,582 |
| Net loans and leases to total assets | 64.2217% | 3,397 |
| Net loans and leases to deposits | 79.5026% | 3,089 |
| Net loans and leases to core deposits | 80.9595% | 3,408 |
| Total domestic deposits to total assets | 80.7794% | 3,930 |
| Equity capital to assets | 12.0015% | 1,905 |
| Core capital (leverage) ratio | 11.7449% | 1,972 |
| Tier 1 risk-based capital ratio | 16.3790% | 2,309 |
| Total risk-based capital ratio | 17.6308% | 2,252 |
| Memoranda: | ||
| Average total assets | $178,500,750 | 3,092 |
| Average earning assets | $157,834,000 | 3,188 |
| Average equity | $20,971,750 | 3,015 |
| Average total loans | $115,308,500 | 3,074 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 3,200 |
| Cost of funding earning assets | 0.1995% | 5,031 |
| Net interest margin | 3.9720% | 1,952 |
| Noninterest income to average assets | 0.5654% | 2,496 |
| Noninterest expense to average assets | 3.2503% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7042% | 4,186 |
| Return on assets (ROA) | 0.7042% | 4,185 |
| Pretax return on assets | 0.8375% | 4,142 |
| Return on Equity (ROE) | 6.0373% | 4,226 |
| Retained earnings to average equity (ytd only) | 6.0373% | 2,538 |
| Net charge-offs to loans | 0.1582% | 978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.2198% | 2,493 |
| Efficiency ratio | 79.5125% | 1,068 |
| Assets per employee ($millions) | 3.2527% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,292 |
| Loan loss allowance to noncurrent loans | 254.3634% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 2,021 |
| Noncurrent loans to loans | 0.6026% | 2,608 |
| Net loans and leases to total assets | 62.7079% | 3,529 |
| Net loans and leases to deposits | 75.3987% | 3,401 |
| Net loans and leases to core deposits | 77.6858% | 3,601 |
| Total domestic deposits to total assets | 83.1684% | 3,360 |
| Equity capital to assets | 11.5920% | 2,130 |
| Core capital (leverage) ratio | 11.0795% | 2,452 |
| Tier 1 risk-based capital ratio | 16.2647% | 2,346 |
| Total risk-based capital ratio | 17.5166% | 2,281 |
| Memoranda: | ||
| Average total assets | $178,630,670 | 3,109 |
| Average earning assets | $158,407,000 | 3,200 |
| Average equity | $20,837,000 | 3,046 |
| Average total loans | $115,020,000 | 3,092 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,247 |
| Cost of funding earning assets | 0.1862% | 5,094 |
| Net interest margin | 3.9110% | 2,002 |
| Noninterest income to average assets | 0.5676% | 2,432 |
| Noninterest expense to average assets | 3.2137% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6875% | 4,145 |
| Return on assets (ROA) | 0.6875% | 4,149 |
| Pretax return on assets | 0.8209% | 4,102 |
| Return on Equity (ROE) | 5.8750% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.8750% | 2,767 |
| Net charge-offs to loans | 0.3667% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.4571% | 2,386 |
| Efficiency ratio | 79.6525% | 1,183 |
| Assets per employee ($millions) | 3.2587% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 1,298 |
| Loan loss allowance to noncurrent loans | 181.4815% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 1,533 |
| Noncurrent loans to loans | 0.8518% | 2,117 |
| Net loans and leases to total assets | 61.5669% | 3,601 |
| Net loans and leases to deposits | 73.6245% | 3,450 |
| Net loans and leases to core deposits | 76.3031% | 3,648 |
| Total domestic deposits to total assets | 83.6229% | 3,461 |
| Equity capital to assets | 11.3970% | 2,219 |
| Core capital (leverage) ratio | 11.3123% | 2,160 |
| Tier 1 risk-based capital ratio | 16.2092% | 2,384 |
| Total risk-based capital ratio | 17.4618% | 2,337 |
| Memoranda: | ||
| Average total assets | $176,870,500 | 3,163 |
| Average earning assets | $156,789,500 | 3,247 |
| Average equity | $20,698,000 | 3,086 |
| Average total loans | $114,529,500 | 3,130 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,357 |
| Cost of funding earning assets | 0.2142% | 4,831 |
| Net interest margin | 3.7991% | 2,433 |
| Noninterest income to average assets | 0.5647% | 2,632 |
| Noninterest expense to average assets | 3.1178% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7772% | 3,264 |
| Return on assets (ROA) | 0.7772% | 3,304 |
| Pretax return on assets | 0.7817% | 4,300 |
| Return on Equity (ROE) | 6.4534% | 3,551 |
| Retained earnings to average equity (ytd only) | -4.2740% | 5,408 |
| Net charge-offs to loans | -0.0289% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9534% | 1,109 |
| Assets per employee ($millions) | 3.1137% | 5,112 |
| Cash dividends to net income (ytd only)* | 166.2281% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,082 |
| Loan loss allowance to noncurrent loans | 87.0923% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 962 |
| Noncurrent loans to loans | 1.8670% | 845 |
| Net loans and leases to total assets | 66.0273% | 3,095 |
| Net loans and leases to deposits | 79.9931% | 2,920 |
| Net loans and leases to core deposits | 83.1440% | 3,143 |
| Total domestic deposits to total assets | 82.5412% | 3,718 |
| Equity capital to assets | 12.0277% | 1,816 |
| Core capital (leverage) ratio | 11.2455% | 2,133 |
| Tier 1 risk-based capital ratio | 15.9519% | 2,447 |
| Total risk-based capital ratio | 17.2078% | 2,389 |
| Memoranda: | ||
| Average total assets | $176,019,800 | 3,167 |
| Average earning assets | $154,511,800 | 3,264 |
| Average equity | $21,198,000 | 3,019 |
| Average total loans | $114,000,600 | 3,128 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 3,466 |
| Cost of funding earning assets | 0.2317% | 4,730 |
| Net interest margin | 3.7382% | 2,624 |
| Noninterest income to average assets | 0.5628% | 2,654 |
| Noninterest expense to average assets | 3.1532% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6282% | 4,286 |
| Return on assets (ROA) | 0.6282% | 4,333 |
| Pretax return on assets | 0.6869% | 4,640 |
| Return on Equity (ROE) | 5.2151% | 4,439 |
| Retained earnings to average equity (ytd only) | 0.3810% | 5,136 |
| Net charge-offs to loans | -0.0246% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1121% | 906 |
| Assets per employee ($millions) | 3.2992% | 4,968 |
| Cash dividends to net income (ytd only)* | 92.6939% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,224 |
| Loan loss allowance to noncurrent loans | 121.7705% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.5251% | 991 |
| Noncurrent loans to loans | 1.3192% | 1,449 |
| Net loans and leases to total assets | 63.8457% | 3,429 |
| Net loans and leases to deposits | 76.9103% | 3,281 |
| Net loans and leases to core deposits | 79.6428% | 3,475 |
| Total domestic deposits to total assets | 83.0132% | 3,448 |
| Equity capital to assets | 12.1551% | 1,866 |
| Core capital (leverage) ratio | 12.1085% | 1,621 |
| Tier 1 risk-based capital ratio | 16.4768% | 2,330 |
| Total risk-based capital ratio | 17.7309% | 2,280 |
| Memoranda: | ||
| Average total assets | $177,211,000 | 3,178 |
| Average earning assets | $155,366,500 | 3,286 |
| Average equity | $21,348,000 | 3,036 |
| Average total loans | $113,764,750 | 3,165 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 3,445 |
| Cost of funding earning assets | 0.2907% | 4,179 |
| Net interest margin | 3.6410% | 2,870 |
| Noninterest income to average assets | 0.5563% | 2,677 |
| Noninterest expense to average assets | 3.1499% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5325% | 4,600 |
| Return on assets (ROA) | 0.5325% | 4,633 |
| Pretax return on assets | 0.5924% | 4,824 |
| Return on Equity (ROE) | 4.4338% | 4,683 |
| Retained earnings to average equity (ytd only) | -2.8523% | 5,419 |
| Net charge-offs to loans | -0.0566% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1692% | 830 |
| Assets per employee ($millions) | 3.4212% | 4,832 |
| Cash dividends to net income (ytd only)* | 164.3312% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 1,202 |
| Loan loss allowance to noncurrent loans | 510.3825% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 1,945 |
| Noncurrent loans to loans | 0.3187% | 3,890 |
| Net loans and leases to total assets | 63.4941% | 3,453 |
| Net loans and leases to deposits | 76.1344% | 3,325 |
| Net loans and leases to core deposits | 78.8232% | 3,519 |
| Total domestic deposits to total assets | 83.3974% | 3,429 |
| Equity capital to assets | 11.9758% | 1,947 |
| Core capital (leverage) ratio | 11.2862% | 2,139 |
| Tier 1 risk-based capital ratio | 16.3284% | 2,384 |
| Total risk-based capital ratio | 17.5829% | 2,327 |
| Memoranda: | ||
| Average total assets | $176,896,000 | 3,196 |
| Average earning assets | $154,791,330 | 3,309 |
| Average equity | $21,245,670 | 3,048 |
| Average total loans | $113,152,330 | 3,178 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 3,632 |
| Cost of funding earning assets | 0.2933% | 4,113 |
| Net interest margin | 3.5450% | 3,097 |
| Noninterest income to average assets | 0.5851% | 2,485 |
| Noninterest expense to average assets | 3.1520% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4717% | 4,698 |
| Return on assets (ROA) | 0.4717% | 4,722 |
| Pretax return on assets | 0.5306% | 4,900 |
| Return on Equity (ROE) | 3.9216% | 4,808 |
| Retained earnings to average equity (ytd only) | -10.6712% | 5,594 |
| Net charge-offs to loans | -0.0605% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5911% | 837 |
| Assets per employee ($millions) | 3.3083% | 5,035 |
| Cash dividends to net income (ytd only)* | 372.1154% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,265 |
| Loan loss allowance to noncurrent loans | 873.5849% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 2,178 |
| Noncurrent loans to loans | 0.1881% | 4,452 |
| Net loans and leases to total assets | 60.9143% | 3,681 |
| Net loans and leases to deposits | 74.8043% | 3,321 |
| Net loans and leases to core deposits | 77.5853% | 3,508 |
| Total domestic deposits to total assets | 81.4316% | 4,316 |
| Equity capital to assets | 11.5254% | 2,165 |
| Core capital (leverage) ratio | 11.5033% | 1,945 |
| Tier 1 risk-based capital ratio | 15.9844% | 2,553 |
| Total risk-based capital ratio | 17.2386% | 2,508 |
| Memoranda: | ||
| Average total assets | $176,394,000 | 3,228 |
| Average earning assets | $154,133,000 | 3,347 |
| Average equity | $21,216,000 | 3,062 |
| Average total loans | $112,316,500 | 3,211 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,228 |
| Cost of funding earning assets | 0.3104% | 3,955 |
| Net interest margin | 3.6791% | 2,775 |
| Noninterest income to average assets | 0.6461% | 2,436 |
| Noninterest expense to average assets | 3.2462% | 1,692 |
| Loan and lease loss provision to assets | -0.3151% | 5,848 |
| Net operating income to assets | 0.8685% | 2,987 |
| Return on assets (ROA) | 0.8873% | 3,008 |
| Pretax return on assets | 0.9394% | 3,698 |
| Return on Equity (ROE) | 7.4987% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.4987% | 1,035 |
| Net charge-offs to loans | -0.2365% | 5,771 |
| Credit loss provision to net charge-offs | 209.1255% | 1,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3053% | 982 |
| Assets per employee ($millions) | 3.1061% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 1,284 |
| Loan loss allowance to noncurrent loans | 830.7692% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 1,970 |
| Noncurrent loans to loans | 0.1974% | 4,449 |
| Net loans and leases to total assets | 64.4538% | 3,297 |
| Net loans and leases to deposits | 81.3904% | 2,743 |
| Net loans and leases to core deposits | 84.7123% | 2,955 |
| Total domestic deposits to total assets | 79.1909% | 4,752 |
| Equity capital to assets | 12.5625% | 1,482 |
| Core capital (leverage) ratio | 12.1028% | 1,537 |
| Tier 1 risk-based capital ratio | 16.5591% | 2,326 |
| Total risk-based capital ratio | 17.8144% | 2,264 |
| Memoranda: | ||
| Average total assets | $174,574,800 | 3,224 |
| Average earning assets | $152,049,400 | 3,344 |
| Average equity | $20,657,000 | 3,103 |
| Average total loans | $111,183,200 | 3,201 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 3,366 |
| Cost of funding earning assets | 0.3067% | 4,024 |
| Net interest margin | 3.6544% | 2,872 |
| Noninterest income to average assets | 0.6966% | 2,185 |
| Noninterest expense to average assets | 3.2810% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5521% | 4,487 |
| Return on assets (ROA) | 0.5758% | 4,500 |
| Pretax return on assets | 0.6275% | 4,806 |
| Return on Equity (ROE) | 4.9406% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.9406% | 2,869 |
| Net charge-offs to loans | -0.3664% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5040% | 949 |
| Assets per employee ($millions) | 3.2496% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 617 |
| Loan loss allowance to noncurrent loans | 828.6689% | 693 |
| Noncurrent assets plus other real estate owned to assets | 1.1967% | 1,668 |
| Noncurrent loans to loans | 0.2518% | 4,366 |
| Net loans and leases to total assets | 66.1418% | 3,100 |
| Net loans and leases to deposits | 83.0780% | 2,592 |
| Net loans and leases to core deposits | 86.4216% | 2,917 |
| Total domestic deposits to total assets | 79.6141% | 4,591 |
| Equity capital to assets | 12.1450% | 2,009 |
| Core capital (leverage) ratio | 11.6716% | 1,910 |
| Tier 1 risk-based capital ratio | 15.8185% | 2,696 |
| Total risk-based capital ratio | 17.0798% | 2,633 |
| Memoranda: | ||
| Average total assets | $175,510,000 | 3,231 |
| Average earning assets | $153,018,500 | 3,353 |
| Average equity | $20,456,000 | 3,152 |
| Average total loans | $110,992,750 | 3,212 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 3,600 |
| Cost of funding earning assets | 0.3036% | 4,081 |
| Net interest margin | 3.5991% | 3,103 |
| Noninterest income to average assets | 0.7270% | 2,020 |
| Noninterest expense to average assets | 3.2932% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5244% | 4,587 |
| Return on assets (ROA) | 0.5481% | 4,597 |
| Pretax return on assets | 0.6013% | 4,881 |
| Return on Equity (ROE) | 4.7679% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.7679% | 2,886 |
| Net charge-offs to loans | -0.0476% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1288% | 957 |
| Assets per employee ($millions) | 3.2125% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 851 |
| Loan loss allowance to noncurrent loans | 880.7377% | 656 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 1,829 |
| Noncurrent loans to loans | 0.2190% | 4,563 |
| Net loans and leases to total assets | 61.8452% | 3,643 |
| Net loans and leases to deposits | 77.8331% | 3,176 |
| Net loans and leases to core deposits | 79.7916% | 3,477 |
| Total domestic deposits to total assets | 79.4587% | 4,681 |
| Equity capital to assets | 11.6788% | 2,378 |
| Core capital (leverage) ratio | 11.3922% | 2,065 |
| Tier 1 risk-based capital ratio | 16.0137% | 2,635 |
| Total risk-based capital ratio | 17.2721% | 2,570 |
| Memoranda: | ||
| Average total assets | $176,604,330 | 3,235 |
| Average earning assets | $154,150,330 | 3,346 |
| Average equity | $20,302,330 | 3,165 |
| Average total loans | $109,209,670 | 3,247 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,424 |
| Cost of funding earning assets | 0.3071% | 4,089 |
| Net interest margin | 3.6357% | 2,936 |
| Noninterest income to average assets | 0.9606% | 1,162 |
| Noninterest expense to average assets | 3.3303% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7475% | 3,496 |
| Return on assets (ROA) | 0.7816% | 3,446 |
| Pretax return on assets | 0.8314% | 4,099 |
| Return on Equity (ROE) | 6.8534% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.8534% | 1,959 |
| Net charge-offs to loans | -0.0481% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7249% | 1,523 |
| Assets per employee ($millions) | 3.3008% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 810 |
| Loan loss allowance to noncurrent loans | 1,118.3246% | 527 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 1,362 |
| Noncurrent loans to loans | 0.1795% | 4,764 |
| Net loans and leases to total assets | 57.4273% | 4,100 |
| Net loans and leases to deposits | 71.6331% | 3,688 |
| Net loans and leases to core deposits | 74.1531% | 3,881 |
| Total domestic deposits to total assets | 80.1687% | 4,707 |
| Equity capital to assets | 11.2511% | 2,675 |
| Core capital (leverage) ratio | 11.2949% | 2,143 |
| Tier 1 risk-based capital ratio | 16.1888% | 2,591 |
| Total risk-based capital ratio | 17.4470% | 2,547 |
| Memoranda: | ||
| Average total assets | $176,562,500 | 3,241 |
| Average earning assets | $153,699,500 | 3,371 |
| Average equity | $20,136,000 | 3,184 |
| Average total loans | $108,103,500 | 3,274 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 2,832 |
| Cost of funding earning assets | 0.3427% | 3,767 |
| Net interest margin | 3.7814% | 2,439 |
| Noninterest income to average assets | 0.4212% | 3,884 |
| Noninterest expense to average assets | 3.2463% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4001% | 5,052 |
| Return on assets (ROA) | 0.4079% | 5,111 |
| Pretax return on assets | 0.4616% | 5,197 |
| Return on Equity (ROE) | 3.6365% | 5,089 |
| Retained earnings to average equity (ytd only) | -0.6127% | 5,610 |
| Net charge-offs to loans | 0.5461% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.3549% | 4,102 |
| Efficiency ratio | 87.7603% | 850 |
| Assets per employee ($millions) | 3.2373% | 5,248 |
| Cash dividends to net income (ytd only)* | 116.8478% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9333% | 903 |
| Loan loss allowance to noncurrent loans | 842.4603% | 686 |
| Noncurrent assets plus other real estate owned to assets | 1.8254% | 1,037 |
| Noncurrent loans to loans | 0.2295% | 4,604 |
| Net loans and leases to total assets | 62.7647% | 3,451 |
| Net loans and leases to deposits | 79.2609% | 2,909 |
| Net loans and leases to core deposits | 81.9610% | 3,154 |
| Total domestic deposits to total assets | 79.1874% | 4,941 |
| Equity capital to assets | 11.5667% | 2,307 |
| Core capital (leverage) ratio | 11.4191% | 2,024 |
| Tier 1 risk-based capital ratio | 15.8611% | 2,753 |
| Total risk-based capital ratio | 17.1213% | 2,684 |
| Memoranda: | ||
| Average total assets | $180,454,000 | 3,166 |
| Average earning assets | $156,424,800 | 3,307 |
| Average equity | $20,239,200 | 3,149 |
| Average total loans | $110,425,200 | 3,190 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,807 |
| Cost of funding earning assets | 0.3464% | 3,792 |
| Net interest margin | 3.7841% | 2,446 |
| Noninterest income to average assets | 0.5700% | 2,914 |
| Noninterest expense to average assets | 3.1962% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5985% | 4,390 |
| Return on assets (ROA) | 0.6065% | 4,452 |
| Pretax return on assets | 0.6598% | 4,806 |
| Return on Equity (ROE) | 5.4479% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.4479% | 2,609 |
| Net charge-offs to loans | 0.7427% | 279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.4481% | 3,833 |
| Efficiency ratio | 83.0772% | 1,257 |
| Assets per employee ($millions) | 3.3500% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 1,077 |
| Loan loss allowance to noncurrent loans | 689.5425% | 780 |
| Noncurrent assets plus other real estate owned to assets | 2.2130% | 853 |
| Noncurrent loans to loans | 0.2752% | 4,596 |
| Net loans and leases to total assets | 62.6202% | 3,519 |
| Net loans and leases to deposits | 79.4177% | 2,944 |
| Net loans and leases to core deposits | 81.6346% | 3,293 |
| Total domestic deposits to total assets | 78.8491% | 5,010 |
| Equity capital to assets | 11.9701% | 2,129 |
| Core capital (leverage) ratio | 11.8047% | 1,816 |
| Tier 1 risk-based capital ratio | 16.3739% | 2,638 |
| Total risk-based capital ratio | 17.6315% | 2,583 |
| Memoranda: | ||
| Average total assets | $182,672,750 | 3,160 |
| Average earning assets | $158,204,000 | 3,310 |
| Average equity | $20,337,500 | 3,172 |
| Average total loans | $110,578,000 | 3,217 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 2,801 |
| Cost of funding earning assets | 0.3465% | 3,853 |
| Net interest margin | 3.7796% | 2,403 |
| Noninterest income to average assets | 0.5510% | 3,034 |
| Noninterest expense to average assets | 3.1041% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6826% | 3,968 |
| Return on assets (ROA) | 0.6836% | 4,080 |
| Pretax return on assets | 0.7289% | 4,565 |
| Return on Equity (ROE) | 6.2878% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.2878% | 2,070 |
| Net charge-offs to loans | 1.0564% | 191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.1578% | 3,569 |
| Efficiency ratio | 81.0073% | 1,624 |
| Assets per employee ($millions) | 3.4790% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 1,157 |
| Loan loss allowance to noncurrent loans | 736.4261% | 732 |
| Noncurrent assets plus other real estate owned to assets | 2.2263% | 927 |
| Noncurrent loans to loans | 0.2583% | 4,755 |
| Net loans and leases to total assets | 59.9411% | 3,845 |
| Net loans and leases to deposits | 74.6424% | 3,419 |
| Net loans and leases to core deposits | 76.9804% | 3,671 |
| Total domestic deposits to total assets | 80.3044% | 4,793 |
| Equity capital to assets | 11.0556% | 2,831 |
| Core capital (leverage) ratio | 11.1153% | 2,318 |
| Tier 1 risk-based capital ratio | 15.1671% | 3,266 |
| Total risk-based capital ratio | 16.4229% | 3,196 |
| Memoranda: | ||
| Average total assets | $185,496,670 | 3,158 |
| Average earning assets | $161,021,670 | 3,290 |
| Average equity | $20,166,000 | 3,203 |
| Average total loans | $110,372,330 | 3,243 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 4,567 |
| Cost of funding earning assets | 0.3502% | 3,859 |
| Net interest margin | 3.2898% | 4,264 |
| Noninterest income to average assets | 0.6020% | 2,639 |
| Noninterest expense to average assets | 3.1217% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3162% | 5,354 |
| Return on assets (ROA) | 0.3182% | 5,455 |
| Pretax return on assets | 0.3504% | 5,539 |
| Return on Equity (ROE) | 2.9517% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.9517% | 4,204 |
| Net charge-offs to loans | 0.1099% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,393 |
| Efficiency ratio | 89.9628% | 848 |
| Assets per employee ($millions) | 3.6404% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4164% | 597 |
| Loan loss allowance to noncurrent loans | 51.3817% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 4.2863% | 328 |
| Noncurrent loans to loans | 4.7028% | 309 |
| Net loans and leases to total assets | 57.5159% | 4,025 |
| Net loans and leases to deposits | 70.9204% | 3,651 |
| Net loans and leases to core deposits | 76.3182% | 3,562 |
| Total domestic deposits to total assets | 81.0992% | 4,800 |
| Equity capital to assets | 10.6937% | 3,324 |
| Core capital (leverage) ratio | 10.8380% | 2,586 |
| Tier 1 risk-based capital ratio | 15.6811% | 3,067 |
| Total risk-based capital ratio | 16.9398% | 3,005 |
| Memoranda: | ||
| Average total assets | $186,052,000 | 3,161 |
| Average earning assets | $162,199,500 | 3,294 |
| Average equity | $20,056,500 | 3,233 |
| Average total loans | $109,225,500 | 3,272 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,679 |
| Cost of funding earning assets | 0.4367% | 3,314 |
| Net interest margin | 3.3035% | 4,545 |
| Noninterest income to average assets | 0.6777% | 2,415 |
| Noninterest expense to average assets | 3.1830% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3399% | 5,402 |
| Return on assets (ROA) | 0.3491% | 5,445 |
| Pretax return on assets | 0.3324% | 5,639 |
| Return on Equity (ROE) | 3.4471% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.4471% | 3,754 |
| Net charge-offs to loans | 0.7446% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.8073% | 4,562 |
| Efficiency ratio | 90.7818% | 800 |
| Assets per employee ($millions) | 3.3853% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5506% | 520 |
| Loan loss allowance to noncurrent loans | 53.3047% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 4.5497% | 335 |
| Noncurrent loans to loans | 4.7849% | 323 |
| Net loans and leases to total assets | 56.9744% | 4,200 |
| Net loans and leases to deposits | 70.6144% | 3,829 |
| Net loans and leases to core deposits | 76.7177% | 3,634 |
| Total domestic deposits to total assets | 80.6838% | 4,833 |
| Equity capital to assets | 10.8695% | 3,042 |
| Core capital (leverage) ratio | 10.3576% | 3,106 |
| Tier 1 risk-based capital ratio | 15.5714% | 3,197 |
| Total risk-based capital ratio | 16.8335% | 3,117 |
| Memoranda: | ||
| Average total assets | $185,326,000 | 3,154 |
| Average earning assets | $158,679,000 | 3,304 |
| Average equity | $18,769,600 | 3,313 |
| Average total loans | $99,651,200 | 3,431 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,751 |
| Cost of funding earning assets | 0.4478% | 3,275 |
| Net interest margin | 3.2895% | 4,646 |
| Noninterest income to average assets | 0.6044% | 2,838 |
| Noninterest expense to average assets | 3.1734% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2395% | 5,755 |
| Return on assets (ROA) | 0.2416% | 5,810 |
| Pretax return on assets | 0.2402% | 5,885 |
| Return on Equity (ROE) | 2.4295% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.4295% | 4,841 |
| Net charge-offs to loans | 0.5274% | 724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.8579% | 4,298 |
| Efficiency ratio | 93.0223% | 644 |
| Assets per employee ($millions) | 3.6721% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0649% | 337 |
| Loan loss allowance to noncurrent loans | 58.3744% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 5.5271% | 270 |
| Noncurrent loans to loans | 5.2504% | 319 |
| Net loans and leases to total assets | 52.0320% | 4,804 |
| Net loans and leases to deposits | 63.8617% | 4,556 |
| Net loans and leases to core deposits | 69.4719% | 4,374 |
| Total domestic deposits to total assets | 81.4761% | 4,674 |
| Equity capital to assets | 10.2004% | 3,933 |
| Core capital (leverage) ratio | 10.0589% | 3,586 |
| Tier 1 risk-based capital ratio | 15.9985% | 3,057 |
| Total risk-based capital ratio | 17.2668% | 3,007 |
| Memoranda: | ||
| Average total assets | $185,956,250 | 3,181 |
| Average earning assets | $158,684,750 | 3,325 |
| Average equity | $18,494,500 | 3,370 |
| Average total loans | $97,844,500 | 3,493 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 4,074 |
| Cost of funding earning assets | 0.4638% | 3,174 |
| Net interest margin | 3.4516% | 3,973 |
| Noninterest income to average assets | 0.6673% | 2,444 |
| Noninterest expense to average assets | 3.2127% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3989% | 5,224 |
| Return on assets (ROA) | 0.4043% | 5,286 |
| Pretax return on assets | 0.4043% | 5,549 |
| Return on Equity (ROE) | 4.1002% | 5,099 |
| Retained earnings to average equity (ytd only) | 4.1002% | 3,563 |
| Net charge-offs to loans | 0.8210% | 462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.9296% | 3,932 |
| Efficiency ratio | 88.9552% | 995 |
| Assets per employee ($millions) | 3.5633% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1980% | 306 |
| Loan loss allowance to noncurrent loans | 183.0155% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 3.7903% | 593 |
| Noncurrent loans to loans | 1.7474% | 1,974 |
| Net loans and leases to total assets | 50.1692% | 4,947 |
| Net loans and leases to deposits | 61.6320% | 4,727 |
| Net loans and leases to core deposits | 67.1902% | 4,533 |
| Total domestic deposits to total assets | 81.4011% | 4,842 |
| Equity capital to assets | 10.2104% | 3,808 |
| Core capital (leverage) ratio | 9.8341% | 3,838 |
| Tier 1 risk-based capital ratio | 16.5262% | 2,812 |
| Total risk-based capital ratio | 17.7958% | 2,771 |
| Memoranda: | ||
| Average total assets | $185,516,000 | 3,199 |
| Average earning assets | $158,245,000 | 3,347 |
| Average equity | $18,291,670 | 3,391 |
| Average total loans | $96,951,000 | 3,516 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,837 |
| Cost of funding earning assets | 0.4734% | 3,195 |
| Net interest margin | 3.4911% | 3,738 |
| Noninterest income to average assets | 0.4999% | 3,410 |
| Noninterest expense to average assets | 3.2452% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2263% | 5,726 |
| Return on assets (ROA) | 0.2327% | 5,759 |
| Pretax return on assets | 0.2327% | 5,864 |
| Return on Equity (ROE) | 2.4029% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.4029% | 4,633 |
| Net charge-offs to loans | 1.6795% | 179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.2567% | 3,385 |
| Efficiency ratio | 93.4823% | 782 |
| Assets per employee ($millions) | 3.4727% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1699% | 366 |
| Loan loss allowance to noncurrent loans | 993.5065% | 517 |
| Noncurrent assets plus other real estate owned to assets | 3.1335% | 879 |
| Noncurrent loans to loans | 0.3191% | 5,150 |
| Net loans and leases to total assets | 48.9398% | 5,009 |
| Net loans and leases to deposits | 59.3629% | 4,818 |
| Net loans and leases to core deposits | 64.4924% | 4,649 |
| Total domestic deposits to total assets | 82.4417% | 4,803 |
| Equity capital to assets | 9.5289% | 4,462 |
| Core capital (leverage) ratio | 9.6499% | 4,062 |
| Tier 1 risk-based capital ratio | 15.8553% | 3,242 |
| Total risk-based capital ratio | 17.1241% | 3,192 |
| Memoranda: | ||
| Average total assets | $185,628,500 | 3,224 |
| Average earning assets | $158,001,500 | 3,376 |
| Average equity | $17,978,000 | 3,431 |
| Average total loans | $97,411,500 | 3,526 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,602 |
| Cost of funding earning assets | 0.6762% | 1,987 |
| Net interest margin | 3.4581% | 4,063 |
| Noninterest income to average assets | 0.3067% | 5,149 |
| Noninterest expense to average assets | 3.3670% | 1,956 |
| Loan and lease loss provision to assets | 1.0270% | 175 |
| Net operating income to assets | -1.1580% | 6,630 |
| Return on assets (ROA) | -1.1237% | 6,625 |
| Pretax return on assets | -1.1237% | 6,615 |
| Return on Equity (ROE) | -11.3144% | 6,598 |
| Retained earnings to average equity (ytd only) | -11.3144% | 6,557 |
| Net charge-offs to loans | 3.3221% | 63 |
| Credit loss provision to net charge-offs | 56.9452% | 3,653 |
| Earnings coverage of net charge-offs (x) | -0.0726% | 5,107 |
| Efficiency ratio | 104.0475% | 370 |
| Assets per employee ($millions) | 3.2189% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5294% | 282 |
| Loan loss allowance to noncurrent loans | 340.7662% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 3.8472% | 704 |
| Noncurrent loans to loans | 1.0357% | 3,438 |
| Net loans and leases to total assets | 52.6021% | 4,774 |
| Net loans and leases to deposits | 64.4508% | 4,463 |
| Net loans and leases to core deposits | 69.8084% | 4,301 |
| Total domestic deposits to total assets | 81.6159% | 5,002 |
| Equity capital to assets | 9.8503% | 3,960 |
| Core capital (leverage) ratio | 9.6989% | 3,984 |
| Tier 1 risk-based capital ratio | 14.8485% | 3,751 |
| Total risk-based capital ratio | 16.1207% | 3,688 |
| Memoranda: | ||
| Average total assets | $192,398,400 | 3,118 |
| Average earning assets | $162,977,400 | 3,304 |
| Average equity | $19,108,400 | 3,265 |
| Average total loans | $104,453,400 | 3,354 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 3,790 |
| Cost of funding earning assets | 0.7247% | 1,779 |
| Net interest margin | 3.3685% | 4,403 |
| Noninterest income to average assets | -0.0020% | 6,760 |
| Noninterest expense to average assets | 3.4030% | 1,817 |
| Loan and lease loss provision to assets | 1.2321% | 113 |
| Net operating income to assets | -1.7833% | 6,786 |
| Return on assets (ROA) | -1.7383% | 6,784 |
| Pretax return on assets | -1.7383% | 6,780 |
| Return on Equity (ROE) | -17.4697% | 6,758 |
| Retained earnings to average equity (ytd only) | -17.4697% | 6,737 |
| Net charge-offs to loans | 4.3536% | 32 |
| Credit loss provision to net charge-offs | 52.1815% | 3,454 |
| Earnings coverage of net charge-offs (x) | -0.2335% | 4,920 |
| Efficiency ratio | 119.3301% | 178 |
| Assets per employee ($millions) | 3.2569% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3233% | 404 |
| Loan loss allowance to noncurrent loans | 298.5560% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 5.6501% | 449 |
| Noncurrent loans to loans | 1.1131% | 3,575 |
| Net loans and leases to total assets | 51.8366% | 4,890 |
| Net loans and leases to deposits | 63.0684% | 4,621 |
| Net loans and leases to core deposits | 68.7915% | 4,455 |
| Total domestic deposits to total assets | 82.1911% | 4,866 |
| Equity capital to assets | 9.4736% | 4,584 |
| Core capital (leverage) ratio | 9.2585% | 4,738 |
| Tier 1 risk-based capital ratio | 14.1675% | 4,307 |
| Total risk-based capital ratio | 15.4442% | 4,235 |
| Memoranda: | ||
| Average total assets | $195,433,250 | 3,104 |
| Average earning assets | $165,571,250 | 3,304 |
| Average equity | $19,446,500 | 3,252 |
| Average total loans | $105,994,500 | 3,346 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 4,021 |
| Cost of funding earning assets | 0.7843% | 1,502 |
| Net interest margin | 3.2397% | 4,805 |
| Noninterest income to average assets | 0.2909% | 5,375 |
| Noninterest expense to average assets | 3.4193% | 1,780 |
| Loan and lease loss provision to assets | 1.8178% | 63 |
| Net operating income to assets | -2.1772% | 6,860 |
| Return on assets (ROA) | -2.1108% | 6,863 |
| Pretax return on assets | -2.1108% | 6,856 |
| Return on Equity (ROE) | -20.9007% | 6,833 |
| Retained earnings to average equity (ytd only) | -20.9007% | 6,809 |
| Net charge-offs to loans | 5.2392% | 32 |
| Credit loss provision to net charge-offs | 63.7487% | 2,950 |
| Earnings coverage of net charge-offs (x) | -0.1260% | 4,591 |
| Efficiency ratio | 111.7434% | 259 |
| Assets per employee ($millions) | 3.4146% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8860% | 279 |
| Loan loss allowance to noncurrent loans | 202.4177% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 6.3541% | 408 |
| Noncurrent loans to loans | 1.9198% | 2,483 |
| Net loans and leases to total assets | 49.1431% | 5,208 |
| Net loans and leases to deposits | 60.1700% | 4,962 |
| Net loans and leases to core deposits | 66.0883% | 4,676 |
| Total domestic deposits to total assets | 81.6738% | 5,152 |
| Equity capital to assets | 9.3595% | 4,770 |
| Core capital (leverage) ratio | 9.0693% | 4,878 |
| Tier 1 risk-based capital ratio | 14.6233% | 4,018 |
| Total risk-based capital ratio | 15.9058% | 3,959 |
| Memoranda: | ||
| Average total assets | $198,696,670 | 3,084 |
| Average earning assets | $169,831,330 | 3,256 |
| Average equity | $20,066,330 | 3,201 |
| Average total loans | $108,146,330 | 3,316 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 4,193 |
| Cost of funding earning assets | 0.8563% | 1,226 |
| Net interest margin | 3.1250% | 5,177 |
| Noninterest income to average assets | 0.2432% | 5,717 |
| Noninterest expense to average assets | 3.5473% | 1,532 |
| Loan and lease loss provision to assets | 3.6297% | 20 |
| Net operating income to assets | -4.2347% | 6,984 |
| Return on assets (ROA) | -4.2347% | 6,985 |
| Pretax return on assets | -4.2347% | 6,985 |
| Return on Equity (ROE) | -40.4580% | 6,956 |
| Retained earnings to average equity (ytd only) | -40.4580% | 6,937 |
| Net charge-offs to loans | 10.1694% | 12 |
| Credit loss provision to net charge-offs | 63.6588% | 2,375 |
| Earnings coverage of net charge-offs (x) | -0.1061% | 3,854 |
| Efficiency ratio | 120.5601% | 214 |
| Assets per employee ($millions) | 3.6385% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7192% | 349 |
| Loan loss allowance to noncurrent loans | 111.8953% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 5.6852% | 596 |
| Noncurrent loans to loans | 3.3238% | 1,459 |
| Net loans and leases to total assets | 50.8650% | 4,869 |
| Net loans and leases to deposits | 61.6978% | 4,594 |
| Net loans and leases to core deposits | 68.1501% | 4,285 |
| Total domestic deposits to total assets | 82.4422% | 5,046 |
| Equity capital to assets | 9.8718% | 4,317 |
| Core capital (leverage) ratio | 9.2021% | 4,563 |
| Tier 1 risk-based capital ratio | 14.7583% | 3,990 |
| Total risk-based capital ratio | 16.0403% | 3,946 |
| Memoranda: | ||
| Average total assets | $199,023,000 | 3,109 |
| Average earning assets | $171,901,500 | 3,259 |
| Average equity | $20,831,500 | 3,155 |
| Average total loans | $111,589,500 | 3,256 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 4,562 |
| Cost of funding earning assets | 1.0119% | 1,290 |
| Net interest margin | 3.1964% | 5,577 |
| Noninterest income to average assets | 0.4065% | 4,555 |
| Noninterest expense to average assets | 3.0993% | 2,922 |
| Loan and lease loss provision to assets | 0.4554% | 1,379 |
| Net operating income to assets | -0.4930% | 6,563 |
| Return on assets (ROA) | -0.1876% | 6,435 |
| Pretax return on assets | -0.1320% | 6,387 |
| Return on Equity (ROE) | -1.7506% | 6,441 |
| Retained earnings to average equity (ytd only) | -1.7506% | 6,127 |
| Net charge-offs to loans | 2.7027% | 213 |
| Credit loss provision to net charge-offs | 29.1312% | 5,130 |
| Earnings coverage of net charge-offs (x) | 0.0115% | 5,477 |
| Efficiency ratio | 99.4211% | 582 |
| Assets per employee ($millions) | 3.5987% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2253% | 246 |
| Loan loss allowance to noncurrent loans | 47.8915% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 8.0018% | 337 |
| Noncurrent loans to loans | 8.8227% | 305 |
| Net loans and leases to total assets | 56.8358% | 4,139 |
| Net loans and leases to deposits | 70.0685% | 3,697 |
| Net loans and leases to core deposits | 77.6593% | 3,308 |
| Total domestic deposits to total assets | 81.1145% | 5,369 |
| Equity capital to assets | 11.0686% | 2,869 |
| Core capital (leverage) ratio | 10.3732% | 2,922 |
| Tier 1 risk-based capital ratio | 15.6278% | 3,362 |
| Total risk-based capital ratio | 16.9164% | 3,297 |
| Memoranda: | ||
| Average total assets | $210,563,200 | 2,918 |
| Average earning assets | $178,577,400 | 3,110 |
| Average equity | $22,563,800 | 2,906 |
| Average total loans | $121,802,800 | 3,038 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 4,650 |
| Cost of funding earning assets | 1.0443% | 1,311 |
| Net interest margin | 3.2052% | 5,687 |
| Noninterest income to average assets | 0.3387% | 5,097 |
| Noninterest expense to average assets | 2.8753% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1248% | 6,081 |
| Return on assets (ROA) | 0.3830% | 5,528 |
| Pretax return on assets | 0.5134% | 5,424 |
| Return on Equity (ROE) | 3.6020% | 5,452 |
| Retained earnings to average equity (ytd only) | 3.6020% | 4,343 |
| Net charge-offs to loans | 3.5739% | 120 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.0823% | 5,296 |
| Efficiency ratio | 94.4467% | 749 |
| Assets per employee ($millions) | 3.7890% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3853% | 516 |
| Loan loss allowance to noncurrent loans | 44.5409% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 7.0383% | 513 |
| Noncurrent loans to loans | 7.6004% | 439 |
| Net loans and leases to total assets | 55.8214% | 4,485 |
| Net loans and leases to deposits | 68.6495% | 4,076 |
| Net loans and leases to core deposits | 76.1413% | 3,705 |
| Total domestic deposits to total assets | 81.3135% | 5,258 |
| Equity capital to assets | 11.2210% | 3,017 |
| Core capital (leverage) ratio | 10.7832% | 2,628 |
| Tier 1 risk-based capital ratio | 15.9773% | 3,275 |
| Total risk-based capital ratio | 17.2543% | 3,226 |
| Memoranda: | ||
| Average total assets | $213,721,500 | 2,927 |
| Average earning assets | $180,410,250 | 3,111 |
| Average equity | $22,727,750 | 2,906 |
| Average total loans | $122,889,000 | 3,058 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 4,784 |
| Cost of funding earning assets | 1.0660% | 1,375 |
| Net interest margin | 3.1784% | 5,803 |
| Noninterest income to average assets | 0.4161% | 4,532 |
| Noninterest expense to average assets | 2.8889% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1652% | 6,013 |
| Return on assets (ROA) | 0.5176% | 5,003 |
| Pretax return on assets | 0.7252% | 4,754 |
| Return on Equity (ROE) | 4.9535% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.9535% | 3,300 |
| Net charge-offs to loans | 1.8305% | 483 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2177% | 4,963 |
| Efficiency ratio | 92.6606% | 884 |
| Assets per employee ($millions) | 3.8528% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0878% | 152 |
| Loan loss allowance to noncurrent loans | 45.0765% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 9.1146% | 329 |
| Noncurrent loans to loans | 11.2869% | 198 |
| Net loans and leases to total assets | 54.2038% | 4,764 |
| Net loans and leases to deposits | 65.8252% | 4,527 |
| Net loans and leases to core deposits | 72.9662% | 4,171 |
| Total domestic deposits to total assets | 82.3451% | 4,998 |
| Equity capital to assets | 10.7705% | 3,373 |
| Core capital (leverage) ratio | 10.0739% | 3,317 |
| Tier 1 risk-based capital ratio | 15.7593% | 3,298 |
| Total risk-based capital ratio | 17.0477% | 3,247 |
| Memoranda: | ||
| Average total assets | $216,759,330 | 2,905 |
| Average earning assets | $184,245,000 | 3,068 |
| Average equity | $22,650,670 | 2,895 |
| Average total loans | $124,446,330 | 3,035 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 4,525 |
| Cost of funding earning assets | 1.0703% | 1,554 |
| Net interest margin | 3.2786% | 5,535 |
| Noninterest income to average assets | 0.2883% | 5,566 |
| Noninterest expense to average assets | 2.7483% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2501% | 5,823 |
| Return on assets (ROA) | 0.7500% | 3,860 |
| Pretax return on assets | 1.0877% | 3,373 |
| Return on Equity (ROE) | 7.2858% | 3,611 |
| Retained earnings to average equity (ytd only) | 7.2858% | 2,284 |
| Net charge-offs to loans | 3.3322% | 202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1893% | 4,273 |
| Efficiency ratio | 88.3284% | 1,244 |
| Assets per employee ($millions) | 4.2228% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1183% | 159 |
| Loan loss allowance to noncurrent loans | 46.6457% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 8.8853% | 398 |
| Noncurrent loans to loans | 10.9728% | 249 |
| Net loans and leases to total assets | 51.7182% | 5,059 |
| Net loans and leases to deposits | 65.1355% | 4,470 |
| Net loans and leases to core deposits | 72.6893% | 4,058 |
| Total domestic deposits to total assets | 79.4010% | 5,996 |
| Equity capital to assets | 10.1118% | 3,981 |
| Core capital (leverage) ratio | 9.9652% | 3,399 |
| Tier 1 risk-based capital ratio | 15.6706% | 3,352 |
| Total risk-based capital ratio | 16.9676% | 3,300 |
| Memoranda: | ||
| Average total assets | $219,188,000 | 2,904 |
| Average earning assets | $188,739,000 | 3,030 |
| Average equity | $22,564,500 | 2,901 |
| Average total loans | $126,161,500 | 3,020 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 4,011 |
| Cost of funding earning assets | 1.4463% | 865 |
| Net interest margin | 3.3078% | 5,786 |
| Noninterest income to average assets | 0.1622% | 6,331 |
| Noninterest expense to average assets | 2.5508% | 5,290 |
| Loan and lease loss provision to assets | 2.6265% | 159 |
| Net operating income to assets | -1.7149% | 6,967 |
| Return on assets (ROA) | -1.4467% | 6,917 |
| Pretax return on assets | -1.8144% | 6,983 |
| Return on Equity (ROE) | -13.5262% | 6,850 |
| Retained earnings to average equity (ytd only) | -13.5262% | 6,825 |
| Net charge-offs to loans | 1.0109% | 1,721 |
| Credit loss provision to net charge-offs | 409.8453% | 563 |
| Earnings coverage of net charge-offs (x) | 0.7440% | 5,248 |
| Efficiency ratio | 84.2513% | 1,735 |
| Assets per employee ($millions) | 4.1263% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5981% | 118 |
| Loan loss allowance to noncurrent loans | 39.1879% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 10.7378% | 281 |
| Noncurrent loans to loans | 14.2853% | 147 |
| Net loans and leases to total assets | 57.3401% | 4,488 |
| Net loans and leases to deposits | 72.2141% | 3,765 |
| Net loans and leases to core deposits | 84.0689% | 2,884 |
| Total domestic deposits to total assets | 79.4029% | 5,892 |
| Equity capital to assets | 10.4852% | 3,553 |
| Core capital (leverage) ratio | 9.4702% | 4,078 |
| Tier 1 risk-based capital ratio | 14.7169% | 3,824 |
| Total risk-based capital ratio | 16.0185% | 3,759 |
| Memoranda: | ||
| Average total assets | $221,891,000 | 2,820 |
| Average earning assets | $192,213,400 | 2,942 |
| Average equity | $23,731,800 | 2,697 |
| Average total loans | $140,661,800 | 2,775 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 3,590 |
| Cost of funding earning assets | 1.4955% | 880 |
| Net interest margin | 3.3981% | 5,579 |
| Noninterest income to average assets | 0.2235% | 6,018 |
| Noninterest expense to average assets | 2.5263% | 5,371 |
| Loan and lease loss provision to assets | 2.7653% | 134 |
| Net operating income to assets | -2.1228% | 7,156 |
| Return on assets (ROA) | -2.0352% | 7,154 |
| Pretax return on assets | -2.0352% | 7,132 |
| Return on Equity (ROE) | -18.9400% | 7,086 |
| Retained earnings to average equity (ytd only) | -18.9400% | 7,069 |
| Net charge-offs to loans | 1.2901% | 1,198 |
| Credit loss provision to net charge-offs | 334.7763% | 843 |
| Earnings coverage of net charge-offs (x) | 0.7778% | 5,031 |
| Efficiency ratio | 79.7254% | 2,291 |
| Assets per employee ($millions) | 4.7648% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6337% | 239 |
| Loan loss allowance to noncurrent loans | 45.1127% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 8.3237% | 516 |
| Noncurrent loans to loans | 10.2714% | 339 |
| Net loans and leases to total assets | 55.2794% | 4,958 |
| Net loans and leases to deposits | 71.6592% | 4,035 |
| Net loans and leases to core deposits | 83.2761% | 3,147 |
| Total domestic deposits to total assets | 77.1421% | 6,357 |
| Equity capital to assets | 9.8422% | 4,564 |
| Core capital (leverage) ratio | 9.6542% | 3,912 |
| Tier 1 risk-based capital ratio | 14.8052% | 3,773 |
| Total risk-based capital ratio | 16.0974% | 3,727 |
| Memoranda: | ||
| Average total assets | $223,721,500 | 2,807 |
| Average earning assets | $193,907,750 | 2,938 |
| Average equity | $24,040,250 | 2,668 |
| Average total loans | $143,244,750 | 2,760 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 2,788 |
| Cost of funding earning assets | 1.5555% | 824 |
| Net interest margin | 3.5221% | 5,063 |
| Noninterest income to average assets | 0.7845% | 2,095 |
| Noninterest expense to average assets | 2.5065% | 5,512 |
| Loan and lease loss provision to assets | 2.8821% | 164 |
| Net operating income to assets | -1.5554% | 7,111 |
| Return on assets (ROA) | -1.4230% | 7,085 |
| Pretax return on assets | -1.4230% | 7,038 |
| Return on Equity (ROE) | -12.8715% | 7,012 |
| Retained earnings to average equity (ytd only) | -12.8715% | 6,973 |
| Net charge-offs to loans | 1.8447% | 743 |
| Credit loss provision to net charge-offs | 236.3368% | 1,278 |
| Earnings coverage of net charge-offs (x) | 1.0879% | 4,466 |
| Efficiency ratio | 65.3900% | 4,985 |
| Assets per employee ($millions) | 4.6623% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3801% | 657 |
| Loan loss allowance to noncurrent loans | 61.8792% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 5.7943% | 989 |
| Noncurrent loans to loans | 5.4624% | 1,163 |
| Net loans and leases to total assets | 60.4813% | 4,187 |
| Net loans and leases to deposits | 79.1860% | 2,943 |
| Net loans and leases to core deposits | 90.1865% | 2,355 |
| Total domestic deposits to total assets | 76.3787% | 6,539 |
| Equity capital to assets | 10.7221% | 3,262 |
| Core capital (leverage) ratio | 10.5284% | 2,687 |
| Tier 1 risk-based capital ratio | 15.1972% | 3,398 |
| Total risk-based capital ratio | 16.4750% | 3,350 |
| Memoranda: | ||
| Average total assets | $222,059,000 | 2,839 |
| Average earning assets | $192,215,330 | 2,968 |
| Average equity | $24,550,330 | 2,598 |
| Average total loans | $146,802,330 | 2,735 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 2,128 |
| Cost of funding earning assets | 1.5988% | 819 |
| Net interest margin | 3.6281% | 4,441 |
| Noninterest income to average assets | 0.7613% | 2,212 |
| Noninterest expense to average assets | 2.3834% | 5,938 |
| Loan and lease loss provision to assets | 2.6945% | 188 |
| Net operating income to assets | -1.1772% | 7,090 |
| Return on assets (ROA) | -1.1772% | 7,094 |
| Pretax return on assets | -1.1772% | 7,051 |
| Return on Equity (ROE) | -10.4882% | 7,040 |
| Retained earnings to average equity (ytd only) | -10.4882% | 6,890 |
| Net charge-offs to loans | -0.0027% | 6,186 |
| Credit loss provision to net charge-offs | -149,000.0000% | 6,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1034% | 5,821 |
| Assets per employee ($millions) | 4.8604% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9438% | 963 |
| Loan loss allowance to noncurrent loans | 81.2013% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 4.2039% | 1,567 |
| Noncurrent loans to loans | 3.6253% | 2,047 |
| Net loans and leases to total assets | 64.5895% | 3,335 |
| Net loans and leases to deposits | 84.5342% | 1,946 |
| Net loans and leases to core deposits | 95.1198% | 1,755 |
| Total domestic deposits to total assets | 76.4064% | 6,614 |
| Equity capital to assets | 10.9975% | 2,691 |
| Core capital (leverage) ratio | 11.2076% | 2,025 |
| Tier 1 risk-based capital ratio | 15.1454% | 3,347 |
| Total risk-based capital ratio | 16.4187% | 3,291 |
| Memoranda: | ||
| Average total assets | $221,193,500 | 2,866 |
| Average earning assets | $191,393,000 | 2,989 |
| Average equity | $24,828,000 | 2,561 |
| Average total loans | $150,160,500 | 2,713 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 2,743 |
| Cost of funding earning assets | 1.7978% | 1,180 |
| Net interest margin | 3.5882% | 4,873 |
| Noninterest income to average assets | 0.6078% | 3,422 |
| Noninterest expense to average assets | 2.5049% | 5,774 |
| Loan and lease loss provision to assets | 1.0518% | 1,530 |
| Net operating income to assets | 0.1889% | 5,303 |
| Return on assets (ROA) | 0.2533% | 5,250 |
| Pretax return on assets | 0.2958% | 5,241 |
| Return on Equity (ROE) | 2.3087% | 5,260 |
| Retained earnings to average equity (ytd only) | 1.8254% | 4,586 |
| Net charge-offs to loans | 1.3385% | 1,667 |
| Credit loss provision to net charge-offs | 107.3826% | 4,138 |
| Earnings coverage of net charge-offs (x) | 1.2993% | 4,801 |
| Efficiency ratio | 66.3109% | 4,919 |
| Assets per employee ($millions) | 4.6555% | 2,614 |
| Cash dividends to net income (ytd only)* | 20.9343% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 2,547 |
| Loan loss allowance to noncurrent loans | 76.0664% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 4.6954% | 1,402 |
| Noncurrent loans to loans | 2.5064% | 3,021 |
| Net loans and leases to total assets | 67.9332% | 2,997 |
| Net loans and leases to deposits | 91.7539% | 1,291 |
| Net loans and leases to core deposits | 103.9207% | 1,319 |
| Total domestic deposits to total assets | 74.0385% | 6,889 |
| Equity capital to assets | 11.4566% | 2,300 |
| Core capital (leverage) ratio | 11.3219% | 1,942 |
| Tier 1 risk-based capital ratio | 14.9804% | 3,263 |
| Total risk-based capital ratio | 16.2413% | 3,208 |
| Memoranda: | ||
| Average total assets | $228,190,600 | 2,778 |
| Average earning assets | $201,578,200 | 2,855 |
| Average equity | $25,036,000 | 2,551 |
| Average total loans | $166,977,000 | 2,517 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 3,184 |
| Cost of funding earning assets | 1.8193% | 1,345 |
| Net interest margin | 3.5163% | 5,227 |
| Noninterest income to average assets | 0.5940% | 3,478 |
| Noninterest expense to average assets | 2.4643% | 5,838 |
| Loan and lease loss provision to assets | 1.1931% | 1,202 |
| Net operating income to assets | 0.0569% | 5,871 |
| Return on assets (ROA) | 0.1296% | 5,857 |
| Pretax return on assets | 0.1400% | 5,849 |
| Return on Equity (ROE) | 1.1933% | 5,850 |
| Retained earnings to average equity (ytd only) | 0.5487% | 5,579 |
| Net charge-offs to loans | 0.7469% | 2,557 |
| Credit loss provision to net charge-offs | 215.5695% | 1,616 |
| Earnings coverage of net charge-offs (x) | 2.2675% | 4,034 |
| Efficiency ratio | 66.2572% | 4,809 |
| Assets per employee ($millions) | 4.5863% | 2,771 |
| Cash dividends to net income (ytd only)* | 54.0179% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3369% | 1,570 |
| Loan loss allowance to noncurrent loans | 55.6201% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 4.9122% | 1,322 |
| Noncurrent loans to loans | 4.2016% | 1,741 |
| Net loans and leases to total assets | 71.2242% | 2,427 |
| Net loans and leases to deposits | 96.2912% | 948 |
| Net loans and leases to core deposits | 108.6729% | 1,113 |
| Total domestic deposits to total assets | 73.9675% | 6,922 |
| Equity capital to assets | 11.2826% | 2,716 |
| Core capital (leverage) ratio | 11.1556% | 2,156 |
| Tier 1 risk-based capital ratio | 14.2869% | 3,642 |
| Total risk-based capital ratio | 15.5515% | 3,592 |
| Memoranda: | ||
| Average total assets | $230,536,000 | 2,777 |
| Average earning assets | $204,908,000 | 2,856 |
| Average equity | $25,028,000 | 2,584 |
| Average total loans | $170,838,000 | 2,496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 3,494 |
| Cost of funding earning assets | 1.8610% | 1,377 |
| Net interest margin | 3.4348% | 5,495 |
| Noninterest income to average assets | 0.6323% | 3,113 |
| Noninterest expense to average assets | 2.4984% | 5,723 |
| Loan and lease loss provision to assets | 1.1769% | 1,200 |
| Net operating income to assets | 0.0325% | 6,034 |
| Return on assets (ROA) | 0.1428% | 5,855 |
| Pretax return on assets | 0.1506% | 5,883 |
| Return on Equity (ROE) | 1.3323% | 5,857 |
| Retained earnings to average equity (ytd only) | 0.4976% | 5,564 |
| Net charge-offs to loans | 0.5787% | 2,803 |
| Credit loss provision to net charge-offs | 273.0539% | 1,370 |
| Earnings coverage of net charge-offs (x) | 2.8104% | 3,582 |
| Efficiency ratio | 67.3469% | 4,704 |
| Assets per employee ($millions) | 4.6067% | 2,714 |
| Cash dividends to net income (ytd only)* | 62.6506% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,862 |
| Loan loss allowance to noncurrent loans | 56.8556% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 4.5946% | 1,428 |
| Noncurrent loans to loans | 3.7851% | 2,040 |
| Net loans and leases to total assets | 70.8856% | 2,693 |
| Net loans and leases to deposits | 93.5571% | 1,331 |
| Net loans and leases to core deposits | 104.0187% | 1,641 |
| Total domestic deposits to total assets | 75.7671% | 6,737 |
| Equity capital to assets | 10.9510% | 2,916 |
| Core capital (leverage) ratio | 10.7490% | 2,433 |
| Tier 1 risk-based capital ratio | 14.0124% | 3,724 |
| Total risk-based capital ratio | 15.2749% | 3,681 |
| Memoranda: | ||
| Average total assets | $232,472,330 | 2,775 |
| Average earning assets | $208,278,330 | 2,832 |
| Average equity | $24,919,000 | 2,599 |
| Average total loans | $173,154,000 | 2,501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 3,126 |
| Cost of funding earning assets | 1.9253% | 1,345 |
| Net interest margin | 3.4575% | 5,344 |
| Noninterest income to average assets | 0.6303% | 3,079 |
| Noninterest expense to average assets | 2.4955% | 5,743 |
| Loan and lease loss provision to assets | 2.3431% | 456 |
| Net operating income to assets | -1.0893% | 7,160 |
| Return on assets (ROA) | -0.9557% | 7,111 |
| Pretax return on assets | -0.9557% | 7,030 |
| Return on Equity (ROE) | -9.0122% | 7,096 |
| Retained earnings to average equity (ytd only) | -10.6919% | 6,999 |
| Net charge-offs to loans | 0.9847% | 1,665 |
| Credit loss provision to net charge-offs | 315.2074% | 1,255 |
| Earnings coverage of net charge-offs (x) | 1.6866% | 3,720 |
| Efficiency ratio | 66.5601% | 4,992 |
| Assets per employee ($millions) | 4.5016% | 2,954 |
| Cash dividends to net income (ytd only)* | -18.6380% | 7,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 1,964 |
| Loan loss allowance to noncurrent loans | 29.4834% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 5.9838% | 1,008 |
| Noncurrent loans to loans | 7.1157% | 830 |
| Net loans and leases to total assets | 72.9249% | 2,225 |
| Net loans and leases to deposits | 95.1883% | 1,205 |
| Net loans and leases to core deposits | 107.2241% | 1,477 |
| Total domestic deposits to total assets | 76.6112% | 6,639 |
| Equity capital to assets | 10.4536% | 3,290 |
| Core capital (leverage) ratio | 10.3415% | 2,770 |
| Tier 1 risk-based capital ratio | 13.0020% | 4,333 |
| Total risk-based capital ratio | 14.2657% | 4,297 |
| Memoranda: | ||
| Average total assets | $233,540,500 | 2,830 |
| Average earning assets | $210,672,000 | 2,868 |
| Average equity | $24,766,500 | 2,631 |
| Average total loans | $176,298,000 | 2,526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8737% | 2,357 |
| Cost of funding earning assets | 2.1963% | 2,054 |
| Net interest margin | 3.6774% | 4,231 |
| Noninterest income to average assets | 0.5652% | 3,905 |
| Noninterest expense to average assets | 2.4957% | 6,143 |
| Loan and lease loss provision to assets | 0.6457% | 3,222 |
| Net operating income to assets | 0.5489% | 3,533 |
| Return on assets (ROA) | 0.5317% | 3,698 |
| Pretax return on assets | 0.7396% | 3,446 |
| Return on Equity (ROE) | 5.1348% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.5877% | 3,333 |
| Net charge-offs to loans | 0.5874% | 3,456 |
| Credit loss provision to net charge-offs | 136.5248% | 3,618 |
| Earnings coverage of net charge-offs (x) | 2.9796% | 3,588 |
| Efficiency ratio | 63.9107% | 5,793 |
| Assets per employee ($millions) | 4.7551% | 2,538 |
| Cash dividends to net income (ytd only)* | 49.6057% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,585 |
| Loan loss allowance to noncurrent loans | 37.1016% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 3.4756% | 1,938 |
| Noncurrent loans to loans | 4.1193% | 1,786 |
| Net loans and leases to total assets | 75.3265% | 1,959 |
| Net loans and leases to deposits | 99.7942% | 925 |
| Net loans and leases to core deposits | 129.4532% | 1,312 |
| Total domestic deposits to total assets | 75.4819% | 6,778 |
| Equity capital to assets | 10.7567% | 2,912 |
| Core capital (leverage) ratio | 10.3413% | 2,749 |
| Tier 1 risk-based capital ratio | 13.0022% | 4,140 |
| Total risk-based capital ratio | 14.2579% | 4,082 |
| Memoranda: | ||
| Average total assets | $238,492,400 | 2,729 |
| Average earning assets | $216,591,400 | 2,746 |
| Average equity | $24,694,200 | 2,644 |
| Average total loans | $192,021,600 | 2,380 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9464% | 2,244 |
| Cost of funding earning assets | 2.2485% | 2,192 |
| Net interest margin | 3.6978% | 4,080 |
| Noninterest income to average assets | 0.5325% | 4,217 |
| Noninterest expense to average assets | 2.5497% | 5,896 |
| Loan and lease loss provision to assets | 0.4224% | 3,791 |
| Net operating income to assets | 0.6177% | 3,539 |
| Return on assets (ROA) | 0.5964% | 3,672 |
| Pretax return on assets | 0.8899% | 3,259 |
| Return on Equity (ROE) | 5.8151% | 3,601 |
| Retained earnings to average equity (ytd only) | 3.2138% | 3,519 |
| Net charge-offs to loans | 0.2612% | 4,416 |
| Credit loss provision to net charge-offs | 198.4334% | 2,258 |
| Earnings coverage of net charge-offs (x) | 6.3134% | 2,628 |
| Efficiency ratio | 65.4818% | 5,460 |
| Assets per employee ($millions) | 4.5412% | 2,796 |
| Cash dividends to net income (ytd only)* | 44.7341% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 3,975 |
| Loan loss allowance to noncurrent loans | 65.4258% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.0583% | 3,267 |
| Noncurrent loans to loans | 2.1319% | 3,469 |
| Net loans and leases to total assets | 78.9826% | 1,397 |
| Net loans and leases to deposits | 108.5903% | 516 |
| Net loans and leases to core deposits | 137.4539% | 1,036 |
| Total domestic deposits to total assets | 72.7344% | 7,116 |
| Equity capital to assets | 10.4163% | 3,598 |
| Core capital (leverage) ratio | 10.4400% | 2,839 |
| Tier 1 risk-based capital ratio | 12.0250% | 4,954 |
| Total risk-based capital ratio | 13.2802% | 4,883 |
| Memoranda: | ||
| Average total assets | $239,865,750 | 2,737 |
| Average earning assets | $218,031,500 | 2,748 |
| Average equity | $24,602,000 | 2,677 |
| Average total loans | $195,468,500 | 2,365 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 2,285 |
| Cost of funding earning assets | 2.3306% | 2,233 |
| Net interest margin | 3.6432% | 4,203 |
| Noninterest income to average assets | 0.5943% | 3,742 |
| Noninterest expense to average assets | 2.6194% | 5,662 |
| Loan and lease loss provision to assets | 0.4458% | 3,308 |
| Net operating income to assets | 0.5633% | 3,833 |
| Return on assets (ROA) | 0.5309% | 4,089 |
| Pretax return on assets | 0.7855% | 3,718 |
| Return on Equity (ROE) | 5.2033% | 3,986 |
| Retained earnings to average equity (ytd only) | 1.2763% | 4,633 |
| Net charge-offs to loans | 0.3769% | 3,310 |
| Credit loss provision to net charge-offs | 144.3243% | 3,209 |
| Earnings coverage of net charge-offs (x) | 4.1405% | 3,203 |
| Efficiency ratio | 67.1949% | 5,317 |
| Assets per employee ($millions) | 4.3652% | 2,998 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 4,613 |
| Loan loss allowance to noncurrent loans | 741.3174% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 5,630 |
| Noncurrent loans to loans | 0.1685% | 7,103 |
| Net loans and leases to total assets | 81.5540% | 1,039 |
| Net loans and leases to deposits | 106.5643% | 735 |
| Net loans and leases to core deposits | 127.0442% | 1,780 |
| Total domestic deposits to total assets | 76.5303% | 6,429 |
| Equity capital to assets | 10.1848% | 3,737 |
| Core capital (leverage) ratio | 10.2242% | 3,066 |
| Tier 1 risk-based capital ratio | 11.4833% | 5,401 |
| Total risk-based capital ratio | 12.6457% | 5,409 |
| Memoranda: | ||
| Average total assets | $239,594,000 | 2,756 |
| Average earning assets | $217,281,670 | 2,780 |
| Average equity | $24,446,000 | 2,700 |
| Average total loans | $196,363,000 | 2,385 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8184% | 3,208 |
| Cost of funding earning assets | 2.4036% | 2,278 |
| Net interest margin | 3.4148% | 5,081 |
| Noninterest income to average assets | 0.5582% | 3,857 |
| Noninterest expense to average assets | 2.5736% | 5,555 |
| Loan and lease loss provision to assets | 0.3911% | 2,983 |
| Net operating income to assets | 0.4875% | 4,479 |
| Return on assets (ROA) | 0.5214% | 4,520 |
| Pretax return on assets | 0.7403% | 4,286 |
| Return on Equity (ROE) | 5.1058% | 4,434 |
| Retained earnings to average equity (ytd only) | 1.3419% | 5,097 |
| Net charge-offs to loans | 0.6857% | 1,812 |
| Credit loss provision to net charge-offs | 69.8507% | 4,357 |
| Earnings coverage of net charge-offs (x) | 1.9343% | 3,751 |
| Efficiency ratio | 70.3839% | 4,497 |
| Assets per employee ($millions) | 4.2744% | 3,123 |
| Cash dividends to net income (ytd only)* | 73.7179% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,233 |
| Loan loss allowance to noncurrent loans | 153.7552% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 4,539 |
| Noncurrent loans to loans | 0.7373% | 5,589 |
| Net loans and leases to total assets | 80.5533% | 1,281 |
| Net loans and leases to deposits | 101.8337% | 1,193 |
| Net loans and leases to core deposits | 122.0491% | 2,249 |
| Total domestic deposits to total assets | 79.1028% | 5,680 |
| Equity capital to assets | 10.2261% | 3,740 |
| Core capital (leverage) ratio | 10.2013% | 3,197 |
| Tier 1 risk-based capital ratio | 11.5059% | 5,410 |
| Total risk-based capital ratio | 12.5491% | 5,514 |
| Memoranda: | ||
| Average total assets | $239,349,000 | 2,774 |
| Average earning assets | $217,172,500 | 2,794 |
| Average equity | $24,443,000 | 2,714 |
| Average total loans | $195,407,500 | 2,420 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7558% | 1,843 |
| Cost of funding earning assets | 2.9092% | 2,227 |
| Net interest margin | 3.8466% | 3,809 |
| Noninterest income to average assets | 0.7049% | 3,096 |
| Noninterest expense to average assets | 2.5640% | 5,775 |
| Loan and lease loss provision to assets | 0.2734% | 4,211 |
| Net operating income to assets | 0.8602% | 3,173 |
| Return on assets (ROA) | 0.8970% | 2,852 |
| Pretax return on assets | 1.3940% | 1,988 |
| Return on Equity (ROE) | 9.1453% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.1453% | 585 |
| Net charge-offs to loans | 0.0746% | 5,694 |
| Credit loss provision to net charge-offs | 449.6552% | 976 |
| Earnings coverage of net charge-offs (x) | 26.4759% | 1,286 |
| Efficiency ratio | 61.4287% | 6,068 |
| Assets per employee ($millions) | 3.9889% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 4,699 |
| Loan loss allowance to noncurrent loans | 126.4079% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 3,807 |
| Noncurrent loans to loans | 0.9342% | 4,743 |
| Net loans and leases to total assets | 80.8395% | 1,481 |
| Net loans and leases to deposits | 107.3216% | 1,018 |
| Net loans and leases to core deposits | 131.3237% | 1,765 |
| Total domestic deposits to total assets | 75.3246% | 6,382 |
| Equity capital to assets | 10.1984% | 3,810 |
| Core capital (leverage) ratio | 10.1912% | 3,283 |
| Tier 1 risk-based capital ratio | 11.2549% | 5,483 |
| Total risk-based capital ratio | 12.3255% | 5,547 |
| Memoranda: | ||
| Average total assets | $238,457,200 | 2,667 |
| Average earning assets | $215,045,200 | 2,710 |
| Average equity | $23,389,000 | 2,803 |
| Average total loans | $194,356,200 | 2,355 |