Home > First Community Bank of the Heartland, Inc. > Performance and Condition Ratios
First Community Bank of the Heartland, Inc., 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 | 5.6948% | 933 |
| Cost of funding earning assets | 2.0873% | 797 |
| Net interest margin | 3.6075% | 1,950 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.3809% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7754% | 2,957 |
| Return on assets (ROA) | 0.7834% | 2,904 |
| Pretax return on assets | 0.7834% | 3,248 |
| Return on Equity (ROE) | 10.6000% | 2,331 |
| Retained earnings to average equity (ytd only) | 3.7239% | 3,051 |
| Net charge-offs to loans | 0.0224% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 43.9200% | 1,382 |
| Efficiency ratio | 80.7488% | 869 |
| Assets per employee ($millions) | 4.0304% | 4,156 |
| Cash dividends to net income (ytd only)* | 64.8738% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 3,811 |
| Loan loss allowance to noncurrent loans | 108.4942% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 806 |
| Noncurrent loans to loans | 0.7997% | 969 |
| Net loans and leases to total assets | 79.6600% | 683 |
| Net loans and leases to deposits | 95.6471% | 815 |
| Net loans and leases to core deposits | 118.6193% | 672 |
| Total domestic deposits to total assets | 83.2900% | 2,809 |
| Equity capital to assets | 7.5307% | 3,704 |
| Core capital (leverage) ratio | 8.2710% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7808% | 2,631 |
| Memoranda: | ||
| Average total assets | $424,792,000 | 1,937 |
| Average earning assets | $387,390,000 | 1,957 |
| Average equity | $31,392,200 | 2,204 |
| Average total loans | $335,468,200 | 1,663 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 976 |
| Cost of funding earning assets | 1.9228% | 828 |
| Net interest margin | 3.6043% | 2,000 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 3.2806% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8781% | 2,764 |
| Return on assets (ROA) | 0.8889% | 2,708 |
| Pretax return on assets | 0.8889% | 3,130 |
| Return on Equity (ROE) | 12.0900% | 2,097 |
| Retained earnings to average equity (ytd only) | 6.4737% | 2,473 |
| Net charge-offs to loans | 0.0145% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 76.8611% | 1,067 |
| Efficiency ratio | 78.1610% | 997 |
| Assets per employee ($millions) | 4.0946% | 4,124 |
| Cash dividends to net income (ytd only)* | 46.4477% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 3,728 |
| Loan loss allowance to noncurrent loans | 92.3849% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 701 |
| Noncurrent loans to loans | 0.9763% | 840 |
| Net loans and leases to total assets | 78.5000% | 822 |
| Net loans and leases to deposits | 92.8270% | 980 |
| Net loans and leases to core deposits | 117.4356% | 625 |
| Total domestic deposits to total assets | 84.5600% | 2,632 |
| Equity capital to assets | 7.2888% | 3,471 |
| Core capital (leverage) ratio | 8.5183% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0298% | 2,601 |
| Memoranda: | ||
| Average total assets | $420,154,000 | 1,951 |
| Average earning assets | $383,312,250 | 1,972 |
| Average equity | $30,893,500 | 2,213 |
| Average total loans | $330,268,500 | 1,680 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 1,050 |
| Cost of funding earning assets | 1.7501% | 814 |
| Net interest margin | 3.5723% | 2,096 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 3.2547% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8600% | 2,890 |
| Return on assets (ROA) | 0.8765% | 2,824 |
| Pretax return on assets | 0.8765% | 3,223 |
| Return on Equity (ROE) | 11.8800% | 2,186 |
| Retained earnings to average equity (ytd only) | 7.0253% | 2,273 |
| Net charge-offs to loans | 0.0185% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 59.3667% | 1,202 |
| Efficiency ratio | 78.3593% | 979 |
| Assets per employee ($millions) | 3.9694% | 4,194 |
| Cash dividends to net income (ytd only)* | 40.8815% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 3,656 |
| Loan loss allowance to noncurrent loans | 69.4574% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 397 |
| Noncurrent loans to loans | 1.3546% | 522 |
| Net loans and leases to total assets | 78.4700% | 787 |
| Net loans and leases to deposits | 89.9587% | 1,190 |
| Net loans and leases to core deposits | 107.3106% | 934 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 7.7861% | 3,357 |
| Core capital (leverage) ratio | 8.6649% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4036% | 2,503 |
| Memoranda: | ||
| Average total assets | $414,164,000 | 1,969 |
| Average earning assets | $377,796,667 | 1,987 |
| Average equity | $30,546,667 | 2,244 |
| Average total loans | $324,678,333 | 1,687 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 1,036 |
| Cost of funding earning assets | 1.5164% | 820 |
| Net interest margin | 3.6231% | 2,076 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.2166% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9696% | 2,628 |
| Return on assets (ROA) | 1.0047% | 2,478 |
| Pretax return on assets | 1.0047% | 2,976 |
| Return on Equity (ROE) | 14.0200% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.7527% | 1,311 |
| Net charge-offs to loans | 0.0449% | 907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,336 |
| Efficiency ratio | 76.0930% | 1,159 |
| Assets per employee ($millions) | 3.8978% | 4,295 |
| Cash dividends to net income (ytd only)* | 16.1822% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,674 |
| Loan loss allowance to noncurrent loans | 124.2063% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 675 |
| Noncurrent loans to loans | 0.7732% | 998 |
| Net loans and leases to total assets | 77.4000% | 829 |
| Net loans and leases to deposits | 87.7284% | 1,228 |
| Net loans and leases to core deposits | 100.0524% | 1,085 |
| Total domestic deposits to total assets | 88.2200% | 1,847 |
| Equity capital to assets | 7.2619% | 3,697 |
| Core capital (leverage) ratio | 8.1123% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5678% | 2,838 |
| Memoranda: | ||
| Average total assets | $410,870,000 | 2,001 |
| Average earning assets | $375,369,500 | 2,015 |
| Average equity | $29,440,000 | 2,314 |
| Average total loans | $320,365,000 | 1,722 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 536 |
| Cost of funding earning assets | 0.7186% | 536 |
| Net interest margin | 3.9556% | 850 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 3.4117% | 541 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0567% | 2,349 |
| Return on assets (ROA) | 1.0762% | 2,217 |
| Pretax return on assets | 1.0762% | 2,845 |
| Return on Equity (ROE) | 13.9600% | 1,544 |
| Retained earnings to average equity (ytd only) | 4.9972% | 3,053 |
| Net charge-offs to loans | 0.0222% | 1,621 |
| Credit loss provision to net charge-offs | 461.5385% | 715 |
| Earnings coverage of net charge-offs (x) | 66.1077% | 1,189 |
| Efficiency ratio | 74.2821% | 1,192 |
| Assets per employee ($millions) | 3.8540% | 4,330 |
| Cash dividends to net income (ytd only)* | 64.2103% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,342 |
| Loan loss allowance to noncurrent loans | 167.4246% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 1,010 |
| Noncurrent loans to loans | 0.6007% | 1,247 |
| Net loans and leases to total assets | 77.0100% | 891 |
| Net loans and leases to deposits | 90.7135% | 997 |
| Net loans and leases to core deposits | 97.7565% | 1,112 |
| Total domestic deposits to total assets | 84.8900% | 3,023 |
| Equity capital to assets | 7.0657% | 3,633 |
| Core capital (leverage) ratio | 7.8274% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4873% | 2,867 |
| Memoranda: | ||
| Average total assets | $378,261,600 | 2,108 |
| Average earning assets | $344,550,200 | 2,132 |
| Average equity | $29,156,200 | 2,370 |
| Average total loans | $292,893,200 | 1,753 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 453 |
| Cost of funding earning assets | 0.5314% | 633 |
| Net interest margin | 4.0349% | 599 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 3.3535% | 552 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1960% | 1,703 |
| Return on assets (ROA) | 1.2233% | 1,591 |
| Pretax return on assets | 1.2233% | 2,276 |
| Return on Equity (ROE) | 15.5200% | 1,075 |
| Retained earnings to average equity (ytd only) | 8.1417% | 1,946 |
| Net charge-offs to loans | 0.0251% | 1,323 |
| Credit loss provision to net charge-offs | 416.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 65.9074% | 1,126 |
| Efficiency ratio | 71.6898% | 1,557 |
| Assets per employee ($millions) | 3.7363% | 4,418 |
| Cash dividends to net income (ytd only)* | 47.5367% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,423 |
| Loan loss allowance to noncurrent loans | 164.9654% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 928 |
| Noncurrent loans to loans | 0.6119% | 1,322 |
| Net loans and leases to total assets | 77.5600% | 745 |
| Net loans and leases to deposits | 90.6614% | 848 |
| Net loans and leases to core deposits | 97.2809% | 935 |
| Total domestic deposits to total assets | 85.5500% | 3,159 |
| Equity capital to assets | 6.7238% | 3,650 |
| Core capital (leverage) ratio | 7.8336% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5553% | 3,096 |
| Memoranda: | ||
| Average total assets | $371,658,750 | 2,145 |
| Average earning assets | $338,242,000 | 2,172 |
| Average equity | $29,297,000 | 2,398 |
| Average total loans | $287,415,000 | 1,777 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4708% | 390 |
| Cost of funding earning assets | 0.4053% | 887 |
| Net interest margin | 4.0655% | 428 |
| Noninterest income to average assets | 0.9611% | 731 |
| Noninterest expense to average assets | 3.4065% | 478 |
| Loan and lease loss provision to assets | 0.0822% | 1,198 |
| Net operating income to assets | 1.1684% | 1,543 |
| Return on assets (ROA) | 1.2117% | 1,379 |
| Pretax return on assets | 1.2117% | 2,037 |
| Return on Equity (ROE) | 14.6019% | 979 |
| Retained earnings to average equity (ytd only) | 8.1863% | 1,553 |
| Net charge-offs to loans | 0.0085% | 1,663 |
| Credit loss provision to net charge-offs | 1,250.0000% | 344 |
| Earnings coverage of net charge-offs (x) | 190.0833% | 556 |
| Efficiency ratio | 72.4040% | 1,698 |
| Assets per employee ($millions) | 3.6243% | 4,517 |
| Cash dividends to net income (ytd only)* | 43.9367% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,292 |
| Loan loss allowance to noncurrent loans | 189.3893% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 1,059 |
| Noncurrent loans to loans | 0.5632% | 1,494 |
| Net loans and leases to total assets | 77.0315% | 636 |
| Net loans and leases to deposits | 84.2869% | 1,100 |
| Net loans and leases to core deposits | 87.0292% | 1,266 |
| Total domestic deposits to total assets | 91.3920% | 1,069 |
| Equity capital to assets | 7.2528% | 3,629 |
| Core capital (leverage) ratio | 8.0154% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8345% | 3,033 |
| Memoranda: | ||
| Average total assets | $364,775,000 | 2,182 |
| Average earning assets | $331,615,667 | 2,219 |
| Average equity | $30,270,000 | 2,403 |
| Average total loans | $280,757,333 | 1,805 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 390 |
| Cost of funding earning assets | 0.3663% | 1,084 |
| Net interest margin | 4.0187% | 402 |
| Noninterest income to average assets | 0.9527% | 754 |
| Noninterest expense to average assets | 3.4014% | 470 |
| Loan and lease loss provision to assets | 0.0828% | 991 |
| Net operating income to assets | 1.1261% | 1,453 |
| Return on assets (ROA) | 1.2166% | 1,193 |
| Pretax return on assets | 1.2166% | 1,749 |
| Return on Equity (ROE) | 13.7754% | 877 |
| Retained earnings to average equity (ytd only) | 11.6504% | 651 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0125% | 1,854 |
| Assets per employee ($millions) | 3.6402% | 4,521 |
| Cash dividends to net income (ytd only)* | 15.4265% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,396 |
| Loan loss allowance to noncurrent loans | 321.1538% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,691 |
| Noncurrent loans to loans | 0.3377% | 2,273 |
| Net loans and leases to total assets | 74.5791% | 609 |
| Net loans and leases to deposits | 85.9803% | 741 |
| Net loans and leases to core deposits | 89.1611% | 958 |
| Total domestic deposits to total assets | 86.7397% | 3,023 |
| Equity capital to assets | 8.2976% | 3,324 |
| Core capital (leverage) ratio | 8.1225% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7073% | 3,069 |
| Memoranda: | ||
| Average total assets | $362,322,500 | 2,195 |
| Average earning assets | $329,759,500 | 2,238 |
| Average equity | $31,999,000 | 2,385 |
| Average total loans | $277,216,000 | 1,804 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 441 |
| Cost of funding earning assets | 0.3828% | 1,661 |
| Net interest margin | 4.2893% | 417 |
| Noninterest income to average assets | 1.2606% | 668 |
| Noninterest expense to average assets | 3.3685% | 570 |
| Loan and lease loss provision to assets | 0.2091% | 500 |
| Net operating income to assets | 1.5639% | 888 |
| Return on assets (ROA) | 1.5945% | 858 |
| Pretax return on assets | 1.5945% | 1,441 |
| Return on Equity (ROE) | 16.3139% | 705 |
| Retained earnings to average equity (ytd only) | 7.3516% | 1,781 |
| Net charge-offs to loans | 0.0971% | 870 |
| Credit loss provision to net charge-offs | 281.6000% | 1,101 |
| Earnings coverage of net charge-offs (x) | 23.8760% | 1,764 |
| Efficiency ratio | 64.7813% | 2,436 |
| Assets per employee ($millions) | 3.6427% | 4,553 |
| Cash dividends to net income (ytd only)* | 54.9367% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,539 |
| Loan loss allowance to noncurrent loans | 265.0995% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 1,327 |
| Noncurrent loans to loans | 0.3990% | 2,160 |
| Net loans and leases to total assets | 76.8370% | 452 |
| Net loans and leases to deposits | 90.8788% | 531 |
| Net loans and leases to core deposits | 97.1661% | 652 |
| Total domestic deposits to total assets | 84.5488% | 3,412 |
| Equity capital to assets | 9.3817% | 3,245 |
| Core capital (leverage) ratio | 7.9670% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0345% | 3,045 |
| Memoranda: | ||
| Average total assets | $336,653,000 | 2,264 |
| Average earning assets | $304,598,400 | 2,308 |
| Average equity | $32,904,400 | 2,388 |
| Average total loans | $257,548,800 | 1,891 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 508 |
| Cost of funding earning assets | 0.3895% | 1,781 |
| Net interest margin | 4.2826% | 467 |
| Noninterest income to average assets | 1.3583% | 643 |
| Noninterest expense to average assets | 3.2467% | 657 |
| Loan and lease loss provision to assets | 0.2428% | 389 |
| Net operating income to assets | 1.7371% | 758 |
| Return on assets (ROA) | 1.7371% | 791 |
| Pretax return on assets | 1.7371% | 1,312 |
| Return on Equity (ROE) | 17.5832% | 679 |
| Retained earnings to average equity (ytd only) | 9.9190% | 1,348 |
| Net charge-offs to loans | 0.0137% | 1,820 |
| Credit loss provision to net charge-offs | 2,323.0769% | 296 |
| Earnings coverage of net charge-offs (x) | 189.3846% | 575 |
| Efficiency ratio | 61.3864% | 2,781 |
| Assets per employee ($millions) | 3.9206% | 4,492 |
| Cash dividends to net income (ytd only)* | 43.5880% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,363 |
| Loan loss allowance to noncurrent loans | 266.8996% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 1,420 |
| Noncurrent loans to loans | 0.4184% | 2,308 |
| Net loans and leases to total assets | 75.8484% | 561 |
| Net loans and leases to deposits | 89.5412% | 631 |
| Net loans and leases to core deposits | 102.7256% | 502 |
| Total domestic deposits to total assets | 84.7078% | 3,214 |
| Equity capital to assets | 9.4534% | 3,418 |
| Core capital (leverage) ratio | 8.2346% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2608% | 3,066 |
| Memoranda: | ||
| Average total assets | $331,570,500 | 2,308 |
| Average earning assets | $299,498,750 | 2,361 |
| Average equity | $32,757,750 | 2,429 |
| Average total loans | $252,629,250 | 1,945 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 576 |
| Cost of funding earning assets | 0.4037% | 1,859 |
| Net interest margin | 4.2460% | 542 |
| Noninterest income to average assets | 1.6196% | 471 |
| Noninterest expense to average assets | 3.2732% | 641 |
| Loan and lease loss provision to assets | 0.3738% | 192 |
| Net operating income to assets | 1.8003% | 717 |
| Return on assets (ROA) | 1.8003% | 750 |
| Pretax return on assets | 1.8003% | 1,234 |
| Return on Equity (ROE) | 17.9376% | 663 |
| Retained earnings to average equity (ytd only) | 9.9153% | 1,419 |
| Net charge-offs to loans | 0.0342% | 1,305 |
| Credit loss provision to net charge-offs | 1,438.0952% | 373 |
| Earnings coverage of net charge-offs (x) | 83.6429% | 822 |
| Efficiency ratio | 59.3729% | 3,102 |
| Assets per employee ($millions) | 3.8169% | 4,542 |
| Cash dividends to net income (ytd only)* | 44.7233% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 3,064 |
| Loan loss allowance to noncurrent loans | 208.4304% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 1,105 |
| Noncurrent loans to loans | 0.5645% | 1,985 |
| Net loans and leases to total assets | 74.3549% | 720 |
| Net loans and leases to deposits | 87.5204% | 810 |
| Net loans and leases to core deposits | 96.0847% | 803 |
| Total domestic deposits to total assets | 84.9572% | 3,114 |
| Equity capital to assets | 9.6856% | 3,166 |
| Core capital (leverage) ratio | 8.4001% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6790% | 3,016 |
| Memoranda: | ||
| Average total assets | $323,170,333 | 2,346 |
| Average earning assets | $291,331,667 | 2,391 |
| Average equity | $32,434,667 | 2,428 |
| Average total loans | $245,618,667 | 1,996 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 624 |
| Cost of funding earning assets | 0.4381% | 1,814 |
| Net interest margin | 4.1956% | 601 |
| Noninterest income to average assets | 1.5016% | 597 |
| Noninterest expense to average assets | 3.2371% | 674 |
| Loan and lease loss provision to assets | 0.7719% | 64 |
| Net operating income to assets | 1.2499% | 1,976 |
| Return on assets (ROA) | 1.2499% | 2,058 |
| Pretax return on assets | 1.2499% | 2,698 |
| Return on Equity (ROE) | 12.2189% | 1,935 |
| Retained earnings to average equity (ytd only) | 9.9700% | 1,651 |
| Net charge-offs to loans | 0.0117% | 1,515 |
| Credit loss provision to net charge-offs | 8,628.5714% | 71 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 370 |
| Efficiency ratio | 60.7776% | 2,942 |
| Assets per employee ($millions) | 3.5937% | 4,658 |
| Cash dividends to net income (ytd only)* | 18.4049% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,597 |
| Loan loss allowance to noncurrent loans | 245.4908% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 1,140 |
| Noncurrent loans to loans | 0.5146% | 2,312 |
| Net loans and leases to total assets | 76.0165% | 628 |
| Net loans and leases to deposits | 90.4088% | 683 |
| Net loans and leases to core deposits | 94.4415% | 951 |
| Total domestic deposits to total assets | 84.0809% | 3,407 |
| Equity capital to assets | 10.1283% | 2,580 |
| Core capital (leverage) ratio | 8.7022% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5909% | 2,992 |
| Memoranda: | ||
| Average total assets | $312,995,500 | 2,381 |
| Average earning assets | $280,292,500 | 2,435 |
| Average equity | $32,016,000 | 2,438 |
| Average total loans | $239,195,500 | 2,037 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 395 |
| Cost of funding earning assets | 0.7428% | 1,495 |
| Net interest margin | 4.3745% | 427 |
| Noninterest income to average assets | 0.7910% | 1,555 |
| Noninterest expense to average assets | 3.4316% | 757 |
| Loan and lease loss provision to assets | 0.3562% | 961 |
| Net operating income to assets | 0.8911% | 2,734 |
| Return on assets (ROA) | 1.1235% | 1,947 |
| Pretax return on assets | 1.1235% | 2,608 |
| Return on Equity (ROE) | 11.3307% | 1,516 |
| Retained earnings to average equity (ytd only) | 7.4177% | 1,228 |
| Net charge-offs to loans | 0.1039% | 1,431 |
| Credit loss provision to net charge-offs | 470.5069% | 1,307 |
| Earnings coverage of net charge-offs (x) | 16.4747% | 2,129 |
| Efficiency ratio | 72.3937% | 1,632 |
| Assets per employee ($millions) | 3.5603% | 4,628 |
| Cash dividends to net income (ytd only)* | 34.5342% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,662 |
| Loan loss allowance to noncurrent loans | 91.1364% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1067% | 826 |
| Noncurrent loans to loans | 1.1574% | 1,228 |
| Net loans and leases to total assets | 75.0417% | 898 |
| Net loans and leases to deposits | 89.6445% | 951 |
| Net loans and leases to core deposits | 95.2014% | 1,171 |
| Total domestic deposits to total assets | 83.7104% | 3,202 |
| Equity capital to assets | 10.3316% | 2,806 |
| Core capital (leverage) ratio | 8.5646% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1068% | 2,893 |
| Memoranda: | ||
| Average total assets | $286,597,800 | 2,361 |
| Average earning assets | $254,726,000 | 2,443 |
| Average equity | $28,418,400 | 2,579 |
| Average total loans | $208,803,400 | 2,168 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1929% | 418 |
| Cost of funding earning assets | 0.8165% | 1,411 |
| Net interest margin | 4.3764% | 492 |
| Noninterest income to average assets | 0.7844% | 1,557 |
| Noninterest expense to average assets | 3.3607% | 836 |
| Loan and lease loss provision to assets | 0.4847% | 628 |
| Net operating income to assets | 0.8300% | 2,981 |
| Return on assets (ROA) | 1.1462% | 1,949 |
| Pretax return on assets | 1.1462% | 2,574 |
| Return on Equity (ROE) | 11.6944% | 1,453 |
| Retained earnings to average equity (ytd only) | 6.9420% | 1,725 |
| Net charge-offs to loans | 0.0672% | 1,650 |
| Credit loss provision to net charge-offs | 1,000.9804% | 819 |
| Earnings coverage of net charge-offs (x) | 27.1471% | 1,675 |
| Efficiency ratio | 70.9150% | 1,760 |
| Assets per employee ($millions) | 3.7562% | 4,512 |
| Cash dividends to net income (ytd only)* | 40.6379% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,097 |
| Loan loss allowance to noncurrent loans | 72.9806% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 830 |
| Noncurrent loans to loans | 1.5347% | 921 |
| Net loans and leases to total assets | 75.2389% | 1,199 |
| Net loans and leases to deposits | 92.6156% | 1,023 |
| Net loans and leases to core deposits | 98.7465% | 1,263 |
| Total domestic deposits to total assets | 81.2378% | 3,602 |
| Equity capital to assets | 10.2302% | 3,033 |
| Core capital (leverage) ratio | 8.5205% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2423% | 2,855 |
| Memoranda: | ||
| Average total assets | $280,810,000 | 2,372 |
| Average earning assets | $249,665,750 | 2,453 |
| Average equity | $27,522,500 | 2,620 |
| Average total loans | $202,274,500 | 2,212 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 479 |
| Cost of funding earning assets | 0.9062% | 1,350 |
| Net interest margin | 4.3971% | 622 |
| Noninterest income to average assets | 0.7517% | 1,571 |
| Noninterest expense to average assets | 3.3568% | 914 |
| Loan and lease loss provision to assets | 0.3414% | 1,251 |
| Net operating income to assets | 0.9956% | 2,345 |
| Return on assets (ROA) | 1.1370% | 1,971 |
| Pretax return on assets | 1.1370% | 2,588 |
| Return on Equity (ROE) | 11.7927% | 1,388 |
| Retained earnings to average equity (ytd only) | 7.2109% | 1,564 |
| Net charge-offs to loans | -0.0104% | 4,220 |
| Credit loss provision to net charge-offs | -4,660.0000% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5322% | 1,881 |
| Assets per employee ($millions) | 3.5633% | 4,623 |
| Cash dividends to net income (ytd only)* | 38.8531% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,477 |
| Loan loss allowance to noncurrent loans | 58.7866% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.2677% | 840 |
| Noncurrent loans to loans | 1.7338% | 826 |
| Net loans and leases to total assets | 72.3724% | 1,640 |
| Net loans and leases to deposits | 89.3025% | 1,414 |
| Net loans and leases to core deposits | 96.8670% | 1,513 |
| Total domestic deposits to total assets | 81.0418% | 3,595 |
| Equity capital to assets | 9.9863% | 3,219 |
| Core capital (leverage) ratio | 8.0411% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9477% | 2,982 |
| Memoranda: | ||
| Average total assets | $272,995,000 | 2,392 |
| Average earning assets | $244,752,333 | 2,456 |
| Average equity | $26,321,333 | 2,695 |
| Average total loans | $192,529,000 | 2,277 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 1,026 |
| Cost of funding earning assets | 1.0325% | 1,289 |
| Net interest margin | 3.9356% | 1,562 |
| Noninterest income to average assets | 0.8598% | 1,149 |
| Noninterest expense to average assets | 3.4754% | 968 |
| Loan and lease loss provision to assets | 0.1810% | 1,650 |
| Net operating income to assets | 0.7165% | 3,218 |
| Return on assets (ROA) | 1.0076% | 2,256 |
| Pretax return on assets | 1.0076% | 2,821 |
| Return on Equity (ROE) | 10.6579% | 1,512 |
| Retained earnings to average equity (ytd only) | 7.9456% | 1,248 |
| Net charge-offs to loans | -0.0044% | 3,823 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3719% | 1,297 |
| Assets per employee ($millions) | 3.5238% | 4,465 |
| Cash dividends to net income (ytd only)* | 25.4491% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,928 |
| Loan loss allowance to noncurrent loans | 58.0426% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 1,101 |
| Noncurrent loans to loans | 1.6378% | 940 |
| Net loans and leases to total assets | 69.9150% | 2,265 |
| Net loans and leases to deposits | 87.3422% | 1,824 |
| Net loans and leases to core deposits | 95.0297% | 1,877 |
| Total domestic deposits to total assets | 80.0473% | 3,849 |
| Equity capital to assets | 9.5826% | 4,148 |
| Core capital (leverage) ratio | 7.7578% | 5,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3575% | 3,260 |
| Memoranda: | ||
| Average total assets | $265,180,500 | 2,394 |
| Average earning assets | $236,714,000 | 2,461 |
| Average equity | $25,070,500 | 2,773 |
| Average total loans | $183,276,000 | 2,326 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 1,401 |
| Cost of funding earning assets | 1.1968% | 1,029 |
| Net interest margin | 3.8319% | 2,399 |
| Noninterest income to average assets | 0.9390% | 1,100 |
| Noninterest expense to average assets | 3.4580% | 1,021 |
| Loan and lease loss provision to assets | 0.1151% | 1,835 |
| Net operating income to assets | 0.7762% | 3,624 |
| Return on assets (ROA) | 0.8761% | 3,382 |
| Pretax return on assets | 0.8761% | 3,808 |
| Return on Equity (ROE) | 9.0629% | 2,723 |
| Retained earnings to average equity (ytd only) | 3.2562% | 3,386 |
| Net charge-offs to loans | 0.1038% | 1,693 |
| Credit loss provision to net charge-offs | 167.6647% | 1,544 |
| Earnings coverage of net charge-offs (x) | 12.9880% | 2,379 |
| Efficiency ratio | 78.3069% | 1,113 |
| Assets per employee ($millions) | 3.4098% | 4,560 |
| Cash dividends to net income (ytd only)* | 64.0713% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 3,769 |
| Loan loss allowance to noncurrent loans | 53.3461% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 981 |
| Noncurrent loans to loans | 1.7677% | 768 |
| Net loans and leases to total assets | 66.9743% | 2,833 |
| Net loans and leases to deposits | 82.1942% | 2,538 |
| Net loans and leases to core deposits | 89.3239% | 2,484 |
| Total domestic deposits to total assets | 81.4830% | 3,650 |
| Equity capital to assets | 9.3231% | 4,477 |
| Core capital (leverage) ratio | 7.8467% | 5,067 |
| Tier 1 risk-based capital ratio | 11.0492% | 4,837 |
| Total risk-based capital ratio | 12.0152% | 4,847 |
| Memoranda: | ||
| Average total assets | $243,350,000 | 2,505 |
| Average earning assets | $216,575,400 | 2,555 |
| Average equity | $23,524,400 | 2,836 |
| Average total loans | $160,856,800 | 2,502 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 1,379 |
| Cost of funding earning assets | 1.2196% | 983 |
| Net interest margin | 3.8441% | 2,459 |
| Noninterest income to average assets | 0.9664% | 1,007 |
| Noninterest expense to average assets | 3.4625% | 996 |
| Loan and lease loss provision to assets | 0.1313% | 1,470 |
| Net operating income to assets | 0.7937% | 3,693 |
| Return on assets (ROA) | 0.9099% | 3,390 |
| Pretax return on assets | 0.9099% | 3,842 |
| Return on Equity (ROE) | 9.3215% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.8191% | 3,484 |
| Net charge-offs to loans | 0.1064% | 1,400 |
| Credit loss provision to net charge-offs | 188.0000% | 1,389 |
| Earnings coverage of net charge-offs (x) | 13.2402% | 2,308 |
| Efficiency ratio | 77.7070% | 1,130 |
| Assets per employee ($millions) | 3.5064% | 4,495 |
| Cash dividends to net income (ytd only)* | 59.0295% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,529 |
| Loan loss allowance to noncurrent loans | 425.6997% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 3,299 |
| Noncurrent loans to loans | 0.2365% | 3,693 |
| Net loans and leases to total assets | 67.0079% | 2,925 |
| Net loans and leases to deposits | 79.1243% | 2,996 |
| Net loans and leases to core deposits | 88.8423% | 2,650 |
| Total domestic deposits to total assets | 84.6869% | 2,545 |
| Equity capital to assets | 10.0656% | 3,953 |
| Core capital (leverage) ratio | 7.9454% | 5,133 |
| Tier 1 risk-based capital ratio | 11.7981% | 4,519 |
| Total risk-based capital ratio | 12.8359% | 4,528 |
| Memoranda: | ||
| Average total assets | $238,549,250 | 2,554 |
| Average earning assets | $212,305,500 | 2,615 |
| Average equity | $23,286,000 | 2,871 |
| Average total loans | $156,691,750 | 2,578 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 1,454 |
| Cost of funding earning assets | 1.1806% | 1,045 |
| Net interest margin | 3.8311% | 2,475 |
| Noninterest income to average assets | 0.9304% | 1,003 |
| Noninterest expense to average assets | 3.4277% | 1,056 |
| Loan and lease loss provision to assets | 0.0762% | 2,292 |
| Net operating income to assets | 0.8356% | 3,522 |
| Return on assets (ROA) | 0.8356% | 3,582 |
| Pretax return on assets | 0.8356% | 4,005 |
| Return on Equity (ROE) | 8.6531% | 3,001 |
| Retained earnings to average equity (ytd only) | 4.6465% | 2,951 |
| Net charge-offs to loans | 0.0078% | 2,868 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 424 |
| Efficiency ratio | 77.7604% | 1,185 |
| Assets per employee ($millions) | 3.4668% | 4,536 |
| Cash dividends to net income (ytd only)* | 46.3019% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,341 |
| Loan loss allowance to noncurrent loans | 130.3487% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 2,037 |
| Noncurrent loans to loans | 0.8043% | 1,985 |
| Net loans and leases to total assets | 63.9753% | 3,346 |
| Net loans and leases to deposits | 77.6334% | 3,179 |
| Net loans and leases to core deposits | 87.0476% | 2,882 |
| Total domestic deposits to total assets | 82.4069% | 3,399 |
| Equity capital to assets | 10.0109% | 3,970 |
| Core capital (leverage) ratio | 8.2193% | 5,102 |
| Tier 1 risk-based capital ratio | 12.2438% | 4,271 |
| Total risk-based capital ratio | 13.3060% | 4,271 |
| Memoranda: | ||
| Average total assets | $236,249,000 | 2,578 |
| Average earning assets | $210,227,000 | 2,635 |
| Average equity | $22,812,670 | 2,899 |
| Average total loans | $153,541,000 | 2,621 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 1,603 |
| Cost of funding earning assets | 1.0977% | 1,194 |
| Net interest margin | 3.7986% | 2,529 |
| Noninterest income to average assets | 0.9217% | 990 |
| Noninterest expense to average assets | 3.4450% | 1,045 |
| Loan and lease loss provision to assets | 0.0772% | 2,137 |
| Net operating income to assets | 0.7793% | 3,690 |
| Return on assets (ROA) | 0.7793% | 3,740 |
| Pretax return on assets | 0.7793% | 4,098 |
| Return on Equity (ROE) | 8.2276% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.1468% | 2,843 |
| Net charge-offs to loans | -0.0184% | 4,463 |
| Credit loss provision to net charge-offs | -642.8571% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8109% | 1,180 |
| Assets per employee ($millions) | 3.5358% | 4,529 |
| Cash dividends to net income (ytd only)* | 37.4449% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,187 |
| Loan loss allowance to noncurrent loans | 314.8148% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 3,052 |
| Noncurrent loans to loans | 0.3458% | 3,340 |
| Net loans and leases to total assets | 63.8387% | 3,309 |
| Net loans and leases to deposits | 77.3552% | 3,126 |
| Net loans and leases to core deposits | 84.2224% | 3,008 |
| Total domestic deposits to total assets | 82.5268% | 3,569 |
| Equity capital to assets | 9.9497% | 3,874 |
| Core capital (leverage) ratio | 8.2675% | 5,113 |
| Tier 1 risk-based capital ratio | 12.6491% | 4,072 |
| Total risk-based capital ratio | 13.7420% | 4,045 |
| Memoranda: | ||
| Average total assets | $233,036,000 | 2,616 |
| Average earning assets | $207,337,500 | 2,697 |
| Average equity | $22,072,000 | 2,965 |
| Average total loans | $151,863,000 | 2,672 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 1,712 |
| Cost of funding earning assets | 0.8730% | 1,200 |
| Net interest margin | 3.8650% | 2,445 |
| Noninterest income to average assets | 0.9071% | 1,162 |
| Noninterest expense to average assets | 3.3725% | 1,194 |
| Loan and lease loss provision to assets | 0.0791% | 2,544 |
| Net operating income to assets | 0.9014% | 3,433 |
| Return on assets (ROA) | 0.9022% | 3,423 |
| Pretax return on assets | 0.9022% | 3,897 |
| Return on Equity (ROE) | 9.8235% | 2,589 |
| Retained earnings to average equity (ytd only) | 4.9189% | 2,812 |
| Net charge-offs to loans | 0.0159% | 3,155 |
| Credit loss provision to net charge-offs | 782.6087% | 454 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 752 |
| Efficiency ratio | 76.1938% | 1,332 |
| Assets per employee ($millions) | 3.6346% | 4,406 |
| Cash dividends to net income (ytd only)* | 49.9269% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,653 |
| Loan loss allowance to noncurrent loans | 134.5392% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 2,589 |
| Noncurrent loans to loans | 0.7471% | 2,130 |
| Net loans and leases to total assets | 65.1148% | 3,241 |
| Net loans and leases to deposits | 76.8252% | 3,288 |
| Net loans and leases to core deposits | 90.0060% | 2,576 |
| Total domestic deposits to total assets | 84.7570% | 2,748 |
| Equity capital to assets | 9.0063% | 4,569 |
| Core capital (leverage) ratio | 7.9158% | 5,266 |
| Tier 1 risk-based capital ratio | 12.0505% | 4,395 |
| Total risk-based capital ratio | 13.0745% | 4,426 |
| Memoranda: | ||
| Average total assets | $227,547,400 | 2,631 |
| Average earning assets | $202,874,200 | 2,700 |
| Average equity | $20,898,800 | 3,008 |
| Average total loans | $144,965,000 | 2,708 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,818 |
| Cost of funding earning assets | 0.7886% | 1,390 |
| Net interest margin | 3.8646% | 2,419 |
| Noninterest income to average assets | 0.8756% | 1,264 |
| Noninterest expense to average assets | 3.3307% | 1,235 |
| Loan and lease loss provision to assets | 0.0799% | 2,361 |
| Net operating income to assets | 0.9122% | 3,471 |
| Return on assets (ROA) | 0.9128% | 3,473 |
| Pretax return on assets | 0.9128% | 3,975 |
| Return on Equity (ROE) | 9.8887% | 2,669 |
| Retained earnings to average equity (ytd only) | 7.1073% | 2,076 |
| Net charge-offs to loans | 0.0066% | 3,197 |
| Credit loss provision to net charge-offs | 1,928.5714% | 219 |
| Earnings coverage of net charge-offs (x) | 239.6506% | 382 |
| Efficiency ratio | 75.7493% | 1,382 |
| Assets per employee ($millions) | 3.5934% | 4,445 |
| Cash dividends to net income (ytd only)* | 28.1269% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,778 |
| Loan loss allowance to noncurrent loans | 96.6604% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 2,096 |
| Noncurrent loans to loans | 1.0330% | 1,659 |
| Net loans and leases to total assets | 65.1158% | 3,294 |
| Net loans and leases to deposits | 78.9118% | 3,152 |
| Net loans and leases to core deposits | 93.4600% | 2,356 |
| Total domestic deposits to total assets | 82.5172% | 3,456 |
| Equity capital to assets | 8.7300% | 4,774 |
| Core capital (leverage) ratio | 8.1022% | 5,293 |
| Tier 1 risk-based capital ratio | 12.3712% | 4,270 |
| Total risk-based capital ratio | 13.4005% | 4,307 |
| Memoranda: | ||
| Average total assets | $225,372,750 | 2,661 |
| Average earning assets | $201,036,000 | 2,725 |
| Average equity | $20,804,250 | 3,040 |
| Average total loans | $142,358,000 | 2,754 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,928 |
| Cost of funding earning assets | 0.6708% | 1,809 |
| Net interest margin | 3.8823% | 2,270 |
| Noninterest income to average assets | 0.8336% | 1,372 |
| Noninterest expense to average assets | 3.2833% | 1,361 |
| Loan and lease loss provision to assets | 0.0808% | 2,294 |
| Net operating income to assets | 0.9271% | 3,334 |
| Return on assets (ROA) | 0.9280% | 3,333 |
| Pretax return on assets | 0.9280% | 3,877 |
| Return on Equity (ROE) | 9.8653% | 2,625 |
| Retained earnings to average equity (ytd only) | 7.3441% | 1,903 |
| Net charge-offs to loans | 0.0072% | 2,872 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 224.4000% | 395 |
| Efficiency ratio | 75.3402% | 1,517 |
| Assets per employee ($millions) | 3.5029% | 4,592 |
| Cash dividends to net income (ytd only)* | 25.5566% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,594 |
| Loan loss allowance to noncurrent loans | 130.5604% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 2,633 |
| Noncurrent loans to loans | 0.7969% | 2,139 |
| Net loans and leases to total assets | 63.2622% | 3,482 |
| Net loans and leases to deposits | 76.5862% | 3,280 |
| Net loans and leases to core deposits | 83.9622% | 3,084 |
| Total domestic deposits to total assets | 82.6026% | 3,523 |
| Equity capital to assets | 9.2723% | 4,314 |
| Core capital (leverage) ratio | 8.2471% | 5,236 |
| Tier 1 risk-based capital ratio | 12.8237% | 3,995 |
| Total risk-based capital ratio | 13.8902% | 4,002 |
| Memoranda: | ||
| Average total assets | $222,639,330 | 2,704 |
| Average earning assets | $198,284,330 | 2,771 |
| Average equity | $20,942,000 | 3,026 |
| Average total loans | $138,601,670 | 2,811 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 1,842 |
| Cost of funding earning assets | 0.6076% | 2,008 |
| Net interest margin | 3.9014% | 2,038 |
| Noninterest income to average assets | 0.8383% | 1,336 |
| Noninterest expense to average assets | 3.2939% | 1,360 |
| Loan and lease loss provision to assets | 0.0811% | 2,166 |
| Net operating income to assets | 0.9249% | 3,184 |
| Return on assets (ROA) | 0.9249% | 3,201 |
| Pretax return on assets | 0.9249% | 3,767 |
| Return on Equity (ROE) | 9.7624% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.2866% | 1,368 |
| Net charge-offs to loans | 0.1585% | 889 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,905 |
| Efficiency ratio | 75.5975% | 1,653 |
| Assets per employee ($millions) | 3.4962% | 4,668 |
| Cash dividends to net income (ytd only)* | 4.8733% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,760 |
| Loan loss allowance to noncurrent loans | 157.2072% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 2,663 |
| Noncurrent loans to loans | 0.6575% | 2,577 |
| Net loans and leases to total assets | 60.6851% | 3,684 |
| Net loans and leases to deposits | 69.3949% | 3,838 |
| Net loans and leases to core deposits | 75.6769% | 3,697 |
| Total domestic deposits to total assets | 87.4489% | 1,930 |
| Equity capital to assets | 9.4161% | 4,165 |
| Core capital (leverage) ratio | 8.2446% | 5,292 |
| Tier 1 risk-based capital ratio | 12.7787% | 4,070 |
| Total risk-based capital ratio | 13.7915% | 4,117 |
| Memoranda: | ||
| Average total assets | $221,867,500 | 2,740 |
| Average earning assets | $196,851,500 | 2,816 |
| Average equity | $21,019,500 | 3,044 |
| Average total loans | $136,245,500 | 2,860 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 1,529 |
| Cost of funding earning assets | 0.5119% | 2,236 |
| Net interest margin | 4.0514% | 1,590 |
| Noninterest income to average assets | 0.7861% | 1,626 |
| Noninterest expense to average assets | 3.4276% | 1,161 |
| Loan and lease loss provision to assets | 0.1760% | 1,236 |
| Net operating income to assets | 0.7729% | 3,286 |
| Return on assets (ROA) | 0.8091% | 3,163 |
| Pretax return on assets | 0.8091% | 4,218 |
| Return on Equity (ROE) | 7.8168% | 2,881 |
| Retained earnings to average equity (ytd only) | 2.2340% | 3,982 |
| Net charge-offs to loans | 0.1146% | 1,905 |
| Credit loss provision to net charge-offs | 241.6107% | 1,146 |
| Earnings coverage of net charge-offs (x) | 13.0268% | 2,427 |
| Efficiency ratio | 76.8990% | 1,497 |
| Assets per employee ($millions) | 3.4918% | 4,708 |
| Cash dividends to net income (ytd only)* | 71.4199% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,791 |
| Loan loss allowance to noncurrent loans | 120.1709% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,633 |
| Noncurrent loans to loans | 0.8513% | 2,090 |
| Net loans and leases to total assets | 60.8677% | 3,745 |
| Net loans and leases to deposits | 74.7981% | 3,446 |
| Net loans and leases to core deposits | 81.1057% | 3,322 |
| Total domestic deposits to total assets | 81.3760% | 4,029 |
| Equity capital to assets | 9.5308% | 4,207 |
| Core capital (leverage) ratio | 8.1680% | 5,366 |
| Tier 1 risk-based capital ratio | 12.3028% | 4,329 |
| Total risk-based capital ratio | 13.3055% | 4,378 |
| Memoranda: | ||
| Average total assets | $204,548,400 | 2,877 |
| Average earning assets | $181,272,400 | 2,949 |
| Average equity | $21,172,400 | 3,021 |
| Average total loans | $130,056,800 | 2,914 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 1,531 |
| Cost of funding earning assets | 0.4844% | 2,395 |
| Net interest margin | 4.0550% | 1,523 |
| Noninterest income to average assets | 0.7520% | 1,775 |
| Noninterest expense to average assets | 3.3917% | 1,173 |
| Loan and lease loss provision to assets | 0.1802% | 1,109 |
| Net operating income to assets | 0.7774% | 3,608 |
| Return on assets (ROA) | 0.8314% | 3,417 |
| Pretax return on assets | 0.8314% | 4,269 |
| Return on Equity (ROE) | 7.8582% | 3,204 |
| Retained earnings to average equity (ytd only) | 3.8282% | 3,638 |
| Net charge-offs to loans | 0.1269% | 1,516 |
| Credit loss provision to net charge-offs | 221.3115% | 1,251 |
| Earnings coverage of net charge-offs (x) | 11.7625% | 2,478 |
| Efficiency ratio | 76.6339% | 1,507 |
| Assets per employee ($millions) | 3.5253% | 4,693 |
| Cash dividends to net income (ytd only)* | 51.2842% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 4,146 |
| Loan loss allowance to noncurrent loans | 68.3835% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9951% | 1,708 |
| Noncurrent loans to loans | 1.4412% | 1,298 |
| Net loans and leases to total assets | 62.6501% | 3,586 |
| Net loans and leases to deposits | 77.4403% | 3,232 |
| Net loans and leases to core deposits | 83.3685% | 3,186 |
| Total domestic deposits to total assets | 80.9012% | 4,077 |
| Equity capital to assets | 10.1486% | 3,752 |
| Core capital (leverage) ratio | 8.5009% | 5,247 |
| Tier 1 risk-based capital ratio | 12.9519% | 4,043 |
| Total risk-based capital ratio | 13.9527% | 4,098 |
| Memoranda: | ||
| Average total assets | $199,816,750 | 2,952 |
| Average earning assets | $177,259,000 | 3,016 |
| Average equity | $21,140,750 | 3,049 |
| Average total loans | $128,213,500 | 2,965 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 1,767 |
| Cost of funding earning assets | 0.4400% | 2,694 |
| Net interest margin | 3.9752% | 1,694 |
| Noninterest income to average assets | 0.7723% | 1,679 |
| Noninterest expense to average assets | 3.4394% | 1,098 |
| Loan and lease loss provision to assets | 0.1849% | 1,019 |
| Net operating income to assets | 0.6645% | 4,001 |
| Return on assets (ROA) | 0.7477% | 3,703 |
| Pretax return on assets | 0.7477% | 4,439 |
| Return on Equity (ROE) | 6.9622% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.2803% | 3,767 |
| Net charge-offs to loans | 0.1385% | 1,326 |
| Credit loss provision to net charge-offs | 206.8966% | 1,240 |
| Earnings coverage of net charge-offs (x) | 9.5057% | 2,429 |
| Efficiency ratio | 78.6877% | 1,367 |
| Assets per employee ($millions) | 3.3434% | 4,932 |
| Cash dividends to net income (ytd only)* | 52.8846% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,097 |
| Loan loss allowance to noncurrent loans | 51.6232% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 1,177 |
| Noncurrent loans to loans | 1.9505% | 879 |
| Net loans and leases to total assets | 63.1240% | 3,499 |
| Net loans and leases to deposits | 75.4003% | 3,418 |
| Net loans and leases to core deposits | 80.3640% | 3,397 |
| Total domestic deposits to total assets | 83.7185% | 3,316 |
| Equity capital to assets | 10.7118% | 3,123 |
| Core capital (leverage) ratio | 8.9652% | 4,764 |
| Tier 1 risk-based capital ratio | 13.4318% | 3,728 |
| Total risk-based capital ratio | 14.4453% | 3,781 |
| Memoranda: | ||
| Average total assets | $194,740,670 | 3,010 |
| Average earning assets | $172,269,330 | 3,083 |
| Average equity | $20,913,000 | 3,068 |
| Average total loans | $125,595,670 | 3,011 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,329 |
| Cost of funding earning assets | 0.4234% | 2,781 |
| Net interest margin | 4.0963% | 1,222 |
| Noninterest income to average assets | 0.7925% | 1,583 |
| Noninterest expense to average assets | 3.4534% | 1,109 |
| Loan and lease loss provision to assets | 0.1877% | 898 |
| Net operating income to assets | 0.7424% | 3,511 |
| Return on assets (ROA) | 0.7424% | 3,563 |
| Pretax return on assets | 0.7424% | 4,304 |
| Return on Equity (ROE) | 6.9041% | 3,444 |
| Retained earnings to average equity (ytd only) | 4.2472% | 3,318 |
| Net charge-offs to loans | 0.1093% | 1,301 |
| Credit loss provision to net charge-offs | 264.7059% | 853 |
| Earnings coverage of net charge-offs (x) | 13.1176% | 1,806 |
| Efficiency ratio | 77.2598% | 1,726 |
| Assets per employee ($millions) | 3.1993% | 5,162 |
| Cash dividends to net income (ytd only)* | 38.4831% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 4,096 |
| Loan loss allowance to noncurrent loans | 79.7703% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 1,887 |
| Noncurrent loans to loans | 1.2918% | 1,565 |
| Net loans and leases to total assets | 62.5443% | 3,462 |
| Net loans and leases to deposits | 72.2000% | 3,592 |
| Net loans and leases to core deposits | 76.6941% | 3,589 |
| Total domestic deposits to total assets | 86.6266% | 2,385 |
| Equity capital to assets | 10.8760% | 2,772 |
| Core capital (leverage) ratio | 9.2513% | 4,413 |
| Tier 1 risk-based capital ratio | 13.9252% | 3,527 |
| Total risk-based capital ratio | 14.9521% | 3,563 |
| Memoranda: | ||
| Average total assets | $191,810,000 | 3,075 |
| Average earning assets | $168,152,500 | 3,157 |
| Average equity | $20,625,500 | 3,111 |
| Average total loans | $124,435,500 | 3,047 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 1,442 |
| Cost of funding earning assets | 0.4489% | 2,545 |
| Net interest margin | 4.0842% | 1,418 |
| Noninterest income to average assets | 0.7320% | 2,028 |
| Noninterest expense to average assets | 3.3349% | 1,500 |
| Loan and lease loss provision to assets | 0.2128% | 1,063 |
| Net operating income to assets | 0.7852% | 3,375 |
| Return on assets (ROA) | 0.9432% | 2,725 |
| Pretax return on assets | 0.9432% | 3,679 |
| Return on Equity (ROE) | 8.3229% | 2,772 |
| Retained earnings to average equity (ytd only) | 2.8119% | 3,902 |
| Net charge-offs to loans | 0.1919% | 1,444 |
| Credit loss provision to net charge-offs | 173.9130% | 1,595 |
| Earnings coverage of net charge-offs (x) | 8.1565% | 2,910 |
| Efficiency ratio | 75.4082% | 2,078 |
| Assets per employee ($millions) | 3.3625% | 4,953 |
| Cash dividends to net income (ytd only)* | 66.2155% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,631 |
| Loan loss allowance to noncurrent loans | 109.0411% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 2,549 |
| Noncurrent loans to loans | 0.8584% | 2,386 |
| Net loans and leases to total assets | 65.9327% | 3,078 |
| Net loans and leases to deposits | 75.7192% | 3,349 |
| Net loans and leases to core deposits | 81.5196% | 3,250 |
| Total domestic deposits to total assets | 87.0754% | 2,102 |
| Equity capital to assets | 10.6300% | 2,999 |
| Core capital (leverage) ratio | 9.2283% | 4,437 |
| Tier 1 risk-based capital ratio | 13.4642% | 3,790 |
| Total risk-based capital ratio | 14.4181% | 3,892 |
| Memoranda: | ||
| Average total assets | $187,979,400 | 3,080 |
| Average earning assets | $165,737,000 | 3,167 |
| Average equity | $21,302,600 | 3,038 |
| Average total loans | $119,853,400 | 3,072 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 1,503 |
| Cost of funding earning assets | 0.4495% | 2,564 |
| Net interest margin | 4.0610% | 1,500 |
| Noninterest income to average assets | 0.6985% | 2,174 |
| Noninterest expense to average assets | 3.2531% | 1,668 |
| Loan and lease loss provision to assets | 0.2317% | 856 |
| Net operating income to assets | 0.8069% | 3,333 |
| Return on assets (ROA) | 1.0186% | 2,475 |
| Pretax return on assets | 1.0186% | 3,563 |
| Return on Equity (ROE) | 8.8475% | 2,580 |
| Retained earnings to average equity (ytd only) | 4.7178% | 2,997 |
| Net charge-offs to loans | 0.1820% | 1,285 |
| Credit loss provision to net charge-offs | 201.8634% | 1,433 |
| Earnings coverage of net charge-offs (x) | 9.0498% | 2,711 |
| Efficiency ratio | 74.2236% | 2,242 |
| Assets per employee ($millions) | 3.2926% | 5,053 |
| Cash dividends to net income (ytd only)* | 46.6758% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 4,634 |
| Loan loss allowance to noncurrent loans | 100.3378% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 2,534 |
| Noncurrent loans to loans | 0.9524% | 2,339 |
| Net loans and leases to total assets | 65.6028% | 3,189 |
| Net loans and leases to deposits | 78.0961% | 3,177 |
| Net loans and leases to core deposits | 85.2890% | 3,011 |
| Total domestic deposits to total assets | 84.0026% | 3,210 |
| Equity capital to assets | 11.6767% | 2,376 |
| Core capital (leverage) ratio | 9.2937% | 4,465 |
| Tier 1 risk-based capital ratio | 13.8868% | 3,617 |
| Total risk-based capital ratio | 14.8576% | 3,708 |
| Memoranda: | ||
| Average total assets | $187,058,000 | 3,101 |
| Average earning assets | $165,506,500 | 3,183 |
| Average equity | $21,534,750 | 3,043 |
| Average total loans | $117,925,750 | 3,104 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 1,753 |
| Cost of funding earning assets | 0.4482% | 2,587 |
| Net interest margin | 3.9787% | 1,706 |
| Noninterest income to average assets | 0.6701% | 2,278 |
| Noninterest expense to average assets | 3.2443% | 1,705 |
| Loan and lease loss provision to assets | 0.1606% | 1,416 |
| Net operating income to assets | 0.7996% | 3,313 |
| Return on assets (ROA) | 0.8456% | 3,242 |
| Pretax return on assets | 0.8456% | 4,139 |
| Return on Equity (ROE) | 7.3804% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.4469% | 3,084 |
| Net charge-offs to loans | 0.0397% | 2,665 |
| Credit loss provision to net charge-offs | 652.1739% | 528 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,176 |
| Efficiency ratio | 75.5855% | 2,136 |
| Assets per employee ($millions) | 3.2736% | 5,109 |
| Cash dividends to net income (ytd only)* | 39.7468% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 4,710 |
| Loan loss allowance to noncurrent loans | 86.5414% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 2,538 |
| Noncurrent loans to loans | 1.1128% | 2,067 |
| Net loans and leases to total assets | 63.4358% | 3,445 |
| Net loans and leases to deposits | 79.2316% | 3,030 |
| Net loans and leases to core deposits | 86.0245% | 2,898 |
| Total domestic deposits to total assets | 80.0638% | 4,522 |
| Equity capital to assets | 11.8996% | 2,195 |
| Core capital (leverage) ratio | 9.2909% | 4,469 |
| Tier 1 risk-based capital ratio | 14.0611% | 3,566 |
| Total risk-based capital ratio | 15.0308% | 3,649 |
| Memoranda: | ||
| Average total assets | $186,850,330 | 3,118 |
| Average earning assets | $165,983,000 | 3,193 |
| Average equity | $21,408,000 | 3,059 |
| Average total loans | $115,797,000 | 3,144 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 1,959 |
| Cost of funding earning assets | 0.4443% | 2,641 |
| Net interest margin | 3.9066% | 1,918 |
| Noninterest income to average assets | 0.6354% | 2,343 |
| Noninterest expense to average assets | 3.2859% | 1,640 |
| Loan and lease loss provision to assets | 0.1604% | 1,296 |
| Net operating income to assets | 0.6503% | 3,973 |
| Return on assets (ROA) | 0.6503% | 4,095 |
| Pretax return on assets | 0.6503% | 4,678 |
| Return on Equity (ROE) | 5.7877% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.7877% | 2,480 |
| Net charge-offs to loans | 0.0456% | 2,105 |
| Credit loss provision to net charge-offs | 576.9231% | 542 |
| Earnings coverage of net charge-offs (x) | 29.1538% | 1,198 |
| Efficiency ratio | 78.5379% | 1,821 |
| Assets per employee ($millions) | 3.1616% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 4,699 |
| Loan loss allowance to noncurrent loans | 92.5831% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 2,782 |
| Noncurrent loans to loans | 1.0622% | 2,265 |
| Net loans and leases to total assets | 60.6762% | 3,689 |
| Net loans and leases to deposits | 73.9665% | 3,438 |
| Net loans and leases to core deposits | 80.5979% | 3,275 |
| Total domestic deposits to total assets | 82.0320% | 4,214 |
| Equity capital to assets | 11.8723% | 2,107 |
| Core capital (leverage) ratio | 9.2652% | 4,530 |
| Tier 1 risk-based capital ratio | 14.9490% | 3,186 |
| Total risk-based capital ratio | 15.9329% | 3,236 |
| Memoranda: | ||
| Average total assets | $186,978,000 | 3,127 |
| Average earning assets | $165,667,500 | 3,206 |
| Average equity | $21,010,000 | 3,100 |
| Average total loans | $113,936,000 | 3,184 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 1,817 |
| Cost of funding earning assets | 0.4150% | 2,995 |
| Net interest margin | 4.0100% | 1,684 |
| Noninterest income to average assets | 0.5682% | 2,910 |
| Noninterest expense to average assets | 2.9542% | 2,686 |
| Loan and lease loss provision to assets | 0.1329% | 1,796 |
| Net operating income to assets | 1.0722% | 2,033 |
| Return on assets (ROA) | 1.1536% | 1,790 |
| Pretax return on assets | 1.1536% | 2,826 |
| Return on Equity (ROE) | 10.1566% | 1,954 |
| Retained earnings to average equity (ytd only) | 3.4668% | 3,589 |
| Net charge-offs to loans | 0.0658% | 2,918 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 30.2222% | 1,450 |
| Efficiency ratio | 69.3342% | 3,337 |
| Assets per employee ($millions) | 3.5227% | 4,797 |
| Cash dividends to net income (ytd only)* | 65.8665% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 5,197 |
| Loan loss allowance to noncurrent loans | 121.3523% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 3,536 |
| Noncurrent loans to loans | 0.7178% | 3,030 |
| Net loans and leases to total assets | 60.0882% | 3,824 |
| Net loans and leases to deposits | 74.8772% | 3,392 |
| Net loans and leases to core deposits | 81.0452% | 3,241 |
| Total domestic deposits to total assets | 80.2490% | 4,687 |
| Equity capital to assets | 10.6453% | 3,193 |
| Core capital (leverage) ratio | 9.1459% | 4,692 |
| Tier 1 risk-based capital ratio | 14.6964% | 3,332 |
| Total risk-based capital ratio | 15.6144% | 3,427 |
| Memoranda: | ||
| Average total assets | $180,557,600 | 3,162 |
| Average earning assets | $161,695,600 | 3,234 |
| Average equity | $20,508,800 | 3,122 |
| Average total loans | $109,357,800 | 3,209 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4215% | 1,846 |
| Cost of funding earning assets | 0.4199% | 3,011 |
| Net interest margin | 4.0016% | 1,698 |
| Noninterest income to average assets | 0.5506% | 3,051 |
| Noninterest expense to average assets | 2.8507% | 3,006 |
| Loan and lease loss provision to assets | 0.1354% | 1,656 |
| Net operating income to assets | 1.1704% | 1,751 |
| Return on assets (ROA) | 1.1982% | 1,721 |
| Pretax return on assets | 1.1982% | 2,828 |
| Return on Equity (ROE) | 10.3710% | 1,939 |
| Retained earnings to average equity (ytd only) | 4.3359% | 3,389 |
| Net charge-offs to loans | -0.0075% | 4,909 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8657% | 3,740 |
| Assets per employee ($millions) | 3.7480% | 4,362 |
| Cash dividends to net income (ytd only)* | 58.1920% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 5,057 |
| Loan loss allowance to noncurrent loans | 90.5300% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 3,275 |
| Noncurrent loans to loans | 1.0306% | 2,415 |
| Net loans and leases to total assets | 60.2443% | 3,849 |
| Net loans and leases to deposits | 76.2400% | 3,275 |
| Net loans and leases to core deposits | 83.2538% | 3,127 |
| Total domestic deposits to total assets | 79.0192% | 4,971 |
| Equity capital to assets | 11.4068% | 2,579 |
| Core capital (leverage) ratio | 9.1557% | 4,800 |
| Tier 1 risk-based capital ratio | 15.7278% | 2,933 |
| Total risk-based capital ratio | 16.7319% | 2,988 |
| Memoranda: | ||
| Average total assets | $177,260,250 | 3,233 |
| Average earning assets | $159,730,500 | 3,289 |
| Average equity | $20,479,750 | 3,153 |
| Average total loans | $107,336,750 | 3,277 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 1,978 |
| Cost of funding earning assets | 0.4211% | 3,032 |
| Net interest margin | 3.9376% | 1,865 |
| Noninterest income to average assets | 0.5436% | 3,085 |
| Noninterest expense to average assets | 2.8596% | 3,032 |
| Loan and lease loss provision to assets | 0.1370% | 1,600 |
| Net operating income to assets | 1.1032% | 1,942 |
| Return on assets (ROA) | 1.1454% | 1,866 |
| Pretax return on assets | 1.1454% | 2,988 |
| Return on Equity (ROE) | 9.8704% | 2,132 |
| Retained earnings to average equity (ytd only) | 4.0151% | 3,460 |
| Net charge-offs to loans | 0.0057% | 3,700 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 362.0000% | 190 |
| Efficiency ratio | 67.9944% | 3,669 |
| Assets per employee ($millions) | 3.5003% | 4,789 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 5,359 |
| Loan loss allowance to noncurrent loans | 61.5823% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 2,775 |
| Noncurrent loans to loans | 1.4339% | 1,861 |
| Net loans and leases to total assets | 61.1794% | 3,668 |
| Net loans and leases to deposits | 74.2404% | 3,464 |
| Net loans and leases to core deposits | 81.1320% | 3,268 |
| Total domestic deposits to total assets | 82.4072% | 4,150 |
| Equity capital to assets | 11.3514% | 2,527 |
| Core capital (leverage) ratio | 9.1930% | 4,703 |
| Tier 1 risk-based capital ratio | 15.8578% | 2,925 |
| Total risk-based capital ratio | 16.8192% | 3,009 |
| Memoranda: | ||
| Average total assets | $175,129,000 | 3,281 |
| Average earning assets | $158,167,670 | 3,329 |
| Average equity | $20,323,330 | 3,183 |
| Average total loans | $105,888,000 | 3,327 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 2,255 |
| Cost of funding earning assets | 0.4181% | 3,100 |
| Net interest margin | 3.8369% | 2,111 |
| Noninterest income to average assets | 0.5143% | 3,194 |
| Noninterest expense to average assets | 2.7930% | 3,275 |
| Loan and lease loss provision to assets | 0.1384% | 1,487 |
| Net operating income to assets | 1.0332% | 2,101 |
| Return on assets (ROA) | 1.1024% | 1,968 |
| Pretax return on assets | 1.1024% | 3,067 |
| Return on Equity (ROE) | 9.3942% | 2,271 |
| Retained earnings to average equity (ytd only) | 3.4000% | 3,940 |
| Net charge-offs to loans | 0.0039% | 3,187 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 508.0000% | 107 |
| Efficiency ratio | 68.5864% | 3,727 |
| Assets per employee ($millions) | 3.6025% | 4,718 |
| Cash dividends to net income (ytd only)* | 63.8075% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 5,509 |
| Loan loss allowance to noncurrent loans | 260.2273% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,858 |
| Noncurrent loans to loans | 0.3364% | 4,581 |
| Net loans and leases to total assets | 59.9755% | 3,655 |
| Net loans and leases to deposits | 69.4891% | 3,803 |
| Net loans and leases to core deposits | 75.6983% | 3,624 |
| Total domestic deposits to total assets | 86.3092% | 2,764 |
| Equity capital to assets | 11.9333% | 2,075 |
| Core capital (leverage) ratio | 9.4252% | 4,387 |
| Tier 1 risk-based capital ratio | 15.7080% | 3,055 |
| Total risk-based capital ratio | 16.6186% | 3,146 |
| Memoranda: | ||
| Average total assets | $173,435,500 | 3,313 |
| Average earning assets | $155,958,000 | 3,377 |
| Average equity | $20,353,000 | 3,194 |
| Average total loans | $103,738,000 | 3,380 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 1,716 |
| Cost of funding earning assets | 0.4436% | 3,233 |
| Net interest margin | 4.1002% | 1,576 |
| Noninterest income to average assets | 0.6242% | 2,718 |
| Noninterest expense to average assets | 2.9697% | 2,931 |
| Loan and lease loss provision to assets | 0.1525% | 1,723 |
| Net operating income to assets | 1.1475% | 1,784 |
| Return on assets (ROA) | 1.1475% | 1,848 |
| Pretax return on assets | 1.1475% | 2,882 |
| Return on Equity (ROE) | 9.7583% | 2,215 |
| Retained earnings to average equity (ytd only) | 3.1587% | 3,990 |
| Net charge-offs to loans | 0.0421% | 3,979 |
| Credit loss provision to net charge-offs | 612.8205% | 432 |
| Earnings coverage of net charge-offs (x) | 52.2308% | 897 |
| Efficiency ratio | 67.8625% | 3,920 |
| Assets per employee ($millions) | 3.6240% | 4,679 |
| Cash dividends to net income (ytd only)* | 67.6307% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 5,681 |
| Loan loss allowance to noncurrent loans | 196.3303% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 4,764 |
| Noncurrent loans to loans | 0.4239% | 4,366 |
| Net loans and leases to total assets | 58.6340% | 3,977 |
| Net loans and leases to deposits | 70.2590% | 3,877 |
| Net loans and leases to core deposits | 76.4850% | 3,657 |
| Total domestic deposits to total assets | 83.4541% | 3,927 |
| Equity capital to assets | 11.5382% | 2,398 |
| Core capital (leverage) ratio | 9.0747% | 4,864 |
| Tier 1 risk-based capital ratio | 14.8566% | 3,566 |
| Total risk-based capital ratio | 15.7080% | 3,738 |
| Memoranda: | ||
| Average total assets | $156,682,800 | 3,541 |
| Average earning assets | $139,310,000 | 3,617 |
| Average equity | $18,425,400 | 3,357 |
| Average total loans | $92,578,200 | 3,570 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,658 |
| Cost of funding earning assets | 0.4492% | 3,261 |
| Net interest margin | 4.1157% | 1,526 |
| Noninterest income to average assets | 0.6020% | 2,855 |
| Noninterest expense to average assets | 2.9008% | 3,115 |
| Loan and lease loss provision to assets | 0.1260% | 1,987 |
| Net operating income to assets | 1.2312% | 1,576 |
| Return on assets (ROA) | 1.2321% | 1,631 |
| Pretax return on assets | 1.2321% | 2,644 |
| Return on Equity (ROE) | 10.4213% | 2,027 |
| Retained earnings to average equity (ytd only) | 4.7517% | 3,241 |
| Net charge-offs to loans | 0.0652% | 3,267 |
| Credit loss provision to net charge-offs | 327.2727% | 854 |
| Earnings coverage of net charge-offs (x) | 35.2471% | 1,227 |
| Efficiency ratio | 66.4612% | 4,145 |
| Assets per employee ($millions) | 3.7318% | 4,434 |
| Cash dividends to net income (ytd only)* | 54.4034% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 5,963 |
| Loan loss allowance to noncurrent loans | 205.7065% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,233 |
| Noncurrent loans to loans | 0.3702% | 4,801 |
| Net loans and leases to total assets | 58.7435% | 3,970 |
| Net loans and leases to deposits | 70.4478% | 3,872 |
| Net loans and leases to core deposits | 77.2607% | 3,610 |
| Total domestic deposits to total assets | 83.3859% | 4,001 |
| Equity capital to assets | 11.9097% | 2,138 |
| Core capital (leverage) ratio | 9.1983% | 4,793 |
| Tier 1 risk-based capital ratio | 15.4592% | 3,348 |
| Total risk-based capital ratio | 16.2413% | 3,519 |
| Memoranda: | ||
| Average total assets | $152,365,500 | 3,619 |
| Average earning assets | $135,347,250 | 3,697 |
| Average equity | $18,014,000 | 3,416 |
| Average total loans | $90,010,000 | 3,660 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,756 |
| Cost of funding earning assets | 0.4490% | 3,337 |
| Net interest margin | 4.0746% | 1,591 |
| Noninterest income to average assets | 0.6101% | 2,766 |
| Noninterest expense to average assets | 2.9488% | 3,008 |
| Loan and lease loss provision to assets | 0.1223% | 2,008 |
| Net operating income to assets | 1.1279% | 1,827 |
| Return on assets (ROA) | 1.1279% | 1,919 |
| Pretax return on assets | 1.1279% | 2,984 |
| Return on Equity (ROE) | 9.5666% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.3453% | 3,409 |
| Net charge-offs to loans | 0.1036% | 2,646 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 20.4444% | 1,582 |
| Efficiency ratio | 68.6084% | 3,895 |
| Assets per employee ($millions) | 3.7347% | 4,383 |
| Cash dividends to net income (ytd only)* | 54.5783% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 6,132 |
| Loan loss allowance to noncurrent loans | 177.9188% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 4,934 |
| Noncurrent loans to loans | 0.4082% | 4,766 |
| Net loans and leases to total assets | 58.3152% | 3,950 |
| Net loans and leases to deposits | 71.2267% | 3,676 |
| Net loans and leases to core deposits | 77.9595% | 3,445 |
| Total domestic deposits to total assets | 81.8726% | 4,689 |
| Equity capital to assets | 12.0370% | 1,950 |
| Core capital (leverage) ratio | 9.3840% | 4,489 |
| Tier 1 risk-based capital ratio | 15.4199% | 3,400 |
| Total risk-based capital ratio | 16.1569% | 3,631 |
| Memoranda: | ||
| Average total assets | $147,177,330 | 3,727 |
| Average earning assets | $129,632,000 | 3,816 |
| Average equity | $17,352,000 | 3,488 |
| Average total loans | $86,878,330 | 3,748 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 2,120 |
| Cost of funding earning assets | 0.4675% | 3,251 |
| Net interest margin | 3.9366% | 1,963 |
| Noninterest income to average assets | 0.5454% | 3,082 |
| Noninterest expense to average assets | 2.8657% | 3,325 |
| Loan and lease loss provision to assets | 0.1299% | 1,870 |
| Net operating income to assets | 0.9524% | 2,395 |
| Return on assets (ROA) | 0.9524% | 2,467 |
| Pretax return on assets | 0.9524% | 3,501 |
| Return on Equity (ROE) | 8.1795% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.1795% | 1,543 |
| Net charge-offs to loans | 0.0926% | 2,234 |
| Credit loss provision to net charge-offs | 236.8421% | 933 |
| Earnings coverage of net charge-offs (x) | 19.7368% | 1,360 |
| Efficiency ratio | 71.2719% | 3,616 |
| Assets per employee ($millions) | 3.3793% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 6,154 |
| Loan loss allowance to noncurrent loans | 146.3519% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 4,959 |
| Noncurrent loans to loans | 0.5280% | 4,591 |
| Net loans and leases to total assets | 55.1355% | 4,263 |
| Net loans and leases to deposits | 63.4574% | 4,379 |
| Net loans and leases to core deposits | 68.7212% | 4,236 |
| Total domestic deposits to total assets | 86.8857% | 2,885 |
| Equity capital to assets | 12.1623% | 1,769 |
| Core capital (leverage) ratio | 11.2868% | 2,152 |
| Tier 1 risk-based capital ratio | 16.1635% | 3,076 |
| Total risk-based capital ratio | 16.9191% | 3,313 |
| Memoranda: | ||
| Average total assets | $138,603,000 | 3,906 |
| Average earning assets | $119,797,500 | 4,045 |
| Average equity | $16,138,000 | 3,676 |
| Average total loans | $82,053,500 | 3,885 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 901 |
| Cost of funding earning assets | 0.5914% | 2,747 |
| Net interest margin | 4.4201% | 878 |
| Noninterest income to average assets | 0.6014% | 3,092 |
| Noninterest expense to average assets | 3.0798% | 2,802 |
| Loan and lease loss provision to assets | 0.0963% | 3,195 |
| Net operating income to assets | 1.4049% | 1,016 |
| Return on assets (ROA) | 1.4040% | 1,056 |
| Pretax return on assets | 1.4040% | 1,764 |
| Return on Equity (ROE) | 12.3836% | 1,311 |
| Retained earnings to average equity (ytd only) | -22.6686% | 6,690 |
| Net charge-offs to loans | 0.0855% | 4,017 |
| Credit loss provision to net charge-offs | 167.2131% | 1,360 |
| Earnings coverage of net charge-offs (x) | 26.0656% | 1,307 |
| Efficiency ratio | 66.7766% | 4,410 |
| Assets per employee ($millions) | 3.5872% | 4,719 |
| Cash dividends to net income (ytd only)* | 283.0531% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,023 |
| Loan loss allowance to noncurrent loans | 209.5847% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 5,468 |
| Noncurrent loans to loans | 0.4126% | 4,972 |
| Net loans and leases to total assets | 63.5239% | 3,128 |
| Net loans and leases to deposits | 75.9578% | 2,969 |
| Net loans and leases to core deposits | 83.3572% | 2,738 |
| Total domestic deposits to total assets | 83.6305% | 4,308 |
| Equity capital to assets | 10.9470% | 2,663 |
| Core capital (leverage) ratio | 9.4477% | 4,342 |
| Tier 1 risk-based capital ratio | 12.4328% | 5,329 |
| Total risk-based capital ratio | 13.1735% | 5,601 |
| Memoranda: | ||
| Average total assets | $105,915,000 | 4,592 |
| Average earning assets | $95,360,000 | 4,642 |
| Average equity | $12,007,800 | 4,436 |
| Average total loans | $71,384,000 | 4,210 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 982 |
| Cost of funding earning assets | 0.5989% | 2,817 |
| Net interest margin | 4.3789% | 935 |
| Noninterest income to average assets | 0.6018% | 3,136 |
| Noninterest expense to average assets | 2.9066% | 3,288 |
| Loan and lease loss provision to assets | 0.0285% | 4,437 |
| Net operating income to assets | 1.6213% | 719 |
| Return on assets (ROA) | 1.6199% | 762 |
| Pretax return on assets | 1.6199% | 1,293 |
| Return on Equity (ROE) | 14.1486% | 964 |
| Retained earnings to average equity (ytd only) | -33.5308% | 6,821 |
| Net charge-offs to loans | 0.0057% | 5,068 |
| Credit loss provision to net charge-offs | 733.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 423.9900% | 137 |
| Efficiency ratio | 63.4785% | 4,890 |
| Assets per employee ($millions) | 3.8837% | 4,062 |
| Cash dividends to net income (ytd only)* | 336.9900% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 6,261 |
| Loan loss allowance to noncurrent loans | 233.9483% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 5,593 |
| Noncurrent loans to loans | 0.3462% | 5,344 |
| Net loans and leases to total assets | 64.4972% | 2,921 |
| Net loans and leases to deposits | 81.0691% | 2,256 |
| Net loans and leases to core deposits | 90.7022% | 1,902 |
| Total domestic deposits to total assets | 79.5583% | 5,621 |
| Equity capital to assets | 10.7852% | 2,968 |
| Core capital (leverage) ratio | 9.2014% | 4,829 |
| Tier 1 risk-based capital ratio | 12.1154% | 5,711 |
| Total risk-based capital ratio | 12.8291% | 5,988 |
| Memoranda: | ||
| Average total assets | $102,799,000 | 4,719 |
| Average earning assets | $92,836,250 | 4,754 |
| Average equity | $11,770,000 | 4,544 |
| Average total loans | $70,266,250 | 4,293 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 1,072 |
| Cost of funding earning assets | 0.5965% | 2,972 |
| Net interest margin | 4.3146% | 1,002 |
| Noninterest income to average assets | 0.5963% | 3,219 |
| Noninterest expense to average assets | 2.8514% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6403% | 691 |
| Return on assets (ROA) | 1.6609% | 737 |
| Pretax return on assets | 1.6609% | 1,208 |
| Return on Equity (ROE) | 14.1663% | 973 |
| Retained earnings to average equity (ytd only) | -59.9032% | 6,914 |
| Net charge-offs to loans | -0.0178% | 5,936 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4819% | 4,937 |
| Assets per employee ($millions) | 4.1396% | 3,496 |
| Cash dividends to net income (ytd only)* | 522.8571% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 6,298 |
| Loan loss allowance to noncurrent loans | 141.6856% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 5,113 |
| Noncurrent loans to loans | 0.5856% | 4,792 |
| Net loans and leases to total assets | 61.9319% | 3,296 |
| Net loans and leases to deposits | 70.1727% | 3,699 |
| Net loans and leases to core deposits | 81.6311% | 2,837 |
| Total domestic deposits to total assets | 88.2564% | 2,071 |
| Equity capital to assets | 10.4358% | 3,384 |
| Core capital (leverage) ratio | 10.8608% | 2,493 |
| Tier 1 risk-based capital ratio | 12.0381% | 5,777 |
| Total risk-based capital ratio | 12.7645% | 6,069 |
| Memoranda: | ||
| Average total assets | $96,933,330 | 4,885 |
| Average earning assets | $87,516,000 | 4,915 |
| Average equity | $11,365,000 | 4,647 |
| Average total loans | $67,593,000 | 4,394 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 642 |
| Cost of funding earning assets | 0.6678% | 2,499 |
| Net interest margin | 4.5038% | 680 |
| Noninterest income to average assets | 0.7215% | 2,474 |
| Noninterest expense to average assets | 3.1484% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6492% | 649 |
| Return on assets (ROA) | 1.6492% | 713 |
| Pretax return on assets | 1.6492% | 1,194 |
| Return on Equity (ROE) | 13.0570% | 1,156 |
| Retained earnings to average equity (ytd only) | 10.9797% | 881 |
| Net charge-offs to loans | -0.1189% | 6,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6250% | 4,726 |
| Assets per employee ($millions) | 3.4542% | 5,077 |
| Cash dividends to net income (ytd only)* | 15.9091% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 5,957 |
| Loan loss allowance to noncurrent loans | 185.1312% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 4,982 |
| Noncurrent loans to loans | 0.5446% | 5,081 |
| Net loans and leases to total assets | 75.2090% | 934 |
| Net loans and leases to deposits | 89.9957% | 964 |
| Net loans and leases to core deposits | 103.6335% | 736 |
| Total domestic deposits to total assets | 83.5696% | 4,638 |
| Equity capital to assets | 13.1542% | 1,356 |
| Core capital (leverage) ratio | 12.1018% | 1,511 |
| Tier 1 risk-based capital ratio | 14.3421% | 4,267 |
| Total risk-based capital ratio | 15.2467% | 4,466 |
| Memoranda: | ||
| Average total assets | $85,376,000 | 5,222 |
| Average earning assets | $77,268,500 | 5,226 |
| Average equity | $10,783,500 | 4,816 |
| Average total loans | $63,904,500 | 4,569 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 681 |
| Cost of funding earning assets | 0.8156% | 2,539 |
| Net interest margin | 4.6394% | 729 |
| Noninterest income to average assets | 0.5720% | 3,437 |
| Noninterest expense to average assets | 3.1443% | 2,795 |
| Loan and lease loss provision to assets | 0.0605% | 5,023 |
| Net operating income to assets | 1.6048% | 753 |
| Return on assets (ROA) | 1.6048% | 832 |
| Pretax return on assets | 1.6048% | 1,373 |
| Return on Equity (ROE) | 12.4979% | 1,360 |
| Retained earnings to average equity (ytd only) | 1.3091% | 5,215 |
| Net charge-offs to loans | 0.0376% | 5,393 |
| Credit loss provision to net charge-offs | 217.3913% | 1,162 |
| Earnings coverage of net charge-offs (x) | 59.8696% | 596 |
| Efficiency ratio | 65.3759% | 4,632 |
| Assets per employee ($millions) | 3.6605% | 4,649 |
| Cash dividends to net income (ytd only)* | 89.5252% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,127 |
| Loan loss allowance to noncurrent loans | 97.6228% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 4,326 |
| Noncurrent loans to loans | 0.9734% | 4,247 |
| Net loans and leases to total assets | 73.0885% | 1,321 |
| Net loans and leases to deposits | 90.2369% | 1,057 |
| Net loans and leases to core deposits | 104.3658% | 769 |
| Total domestic deposits to total assets | 80.9962% | 5,410 |
| Equity capital to assets | 12.1365% | 1,953 |
| Core capital (leverage) ratio | 11.6738% | 1,748 |
| Tier 1 risk-based capital ratio | 13.4418% | 4,797 |
| Total risk-based capital ratio | 14.2893% | 5,019 |
| Memoranda: | ||
| Average total assets | $82,690,600 | 5,282 |
| Average earning assets | $75,527,400 | 5,259 |
| Average equity | $10,617,800 | 4,839 |
| Average total loans | $61,180,800 | 4,668 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4839% | 705 |
| Cost of funding earning assets | 0.8450% | 2,585 |
| Net interest margin | 4.6388% | 762 |
| Noninterest income to average assets | 0.5798% | 3,407 |
| Noninterest expense to average assets | 3.0302% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8116% | 554 |
| Return on assets (ROA) | 1.8116% | 623 |
| Pretax return on assets | 1.8116% | 1,015 |
| Return on Equity (ROE) | 13.9028% | 1,130 |
| Retained earnings to average equity (ytd only) | 5.7572% | 2,863 |
| Net charge-offs to loans | 0.0642% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 38.1337% | 918 |
| Efficiency ratio | 62.5846% | 5,057 |
| Assets per employee ($millions) | 3.5438% | 4,863 |
| Cash dividends to net income (ytd only)* | 58.5896% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,436 |
| Loan loss allowance to noncurrent loans | 105.4614% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 4,467 |
| Noncurrent loans to loans | 0.8323% | 4,750 |
| Net loans and leases to total assets | 74.3522% | 1,196 |
| Net loans and leases to deposits | 92.6510% | 908 |
| Net loans and leases to core deposits | 108.1583% | 645 |
| Total domestic deposits to total assets | 80.2497% | 5,588 |
| Equity capital to assets | 12.9333% | 1,627 |
| Core capital (leverage) ratio | 11.7915% | 1,774 |
| Tier 1 risk-based capital ratio | 14.1939% | 4,383 |
| Total risk-based capital ratio | 14.9816% | 4,689 |
| Memoranda: | ||
| Average total assets | $81,400,500 | 5,370 |
| Average earning assets | $74,787,250 | 5,334 |
| Average equity | $10,606,750 | 4,888 |
| Average total loans | $60,269,750 | 4,753 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3583% | 945 |
| Cost of funding earning assets | 0.8705% | 2,659 |
| Net interest margin | 4.4879% | 1,017 |
| Noninterest income to average assets | 0.5961% | 3,279 |
| Noninterest expense to average assets | 3.0256% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6986% | 673 |
| Return on assets (ROA) | 1.6986% | 757 |
| Pretax return on assets | 1.6986% | 1,258 |
| Return on Equity (ROE) | 13.0016% | 1,364 |
| Retained earnings to average equity (ytd only) | 2.8638% | 4,719 |
| Net charge-offs to loans | 0.0812% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 28.3750% | 1,111 |
| Efficiency ratio | 64.0444% | 4,895 |
| Assets per employee ($millions) | 3.5822% | 4,786 |
| Cash dividends to net income (ytd only)* | 77.9736% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 6,443 |
| Loan loss allowance to noncurrent loans | 105.4104% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 4,484 |
| Noncurrent loans to loans | 0.8569% | 4,795 |
| Net loans and leases to total assets | 75.2324% | 1,071 |
| Net loans and leases to deposits | 95.0208% | 693 |
| Net loans and leases to core deposits | 111.2080% | 530 |
| Total domestic deposits to total assets | 79.1747% | 5,929 |
| Equity capital to assets | 12.8863% | 1,573 |
| Core capital (leverage) ratio | 11.9929% | 1,602 |
| Tier 1 risk-based capital ratio | 14.1918% | 4,312 |
| Total risk-based capital ratio | 15.0115% | 4,592 |
| Memoranda: | ||
| Average total assets | $80,183,330 | 5,429 |
| Average earning assets | $73,754,670 | 5,405 |
| Average equity | $10,475,670 | 4,919 |
| Average total loans | $59,093,670 | 4,824 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 1,066 |
| Cost of funding earning assets | 0.9182% | 2,538 |
| Net interest margin | 4.3974% | 1,232 |
| Noninterest income to average assets | 0.6727% | 2,799 |
| Noninterest expense to average assets | 3.0703% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6237% | 825 |
| Return on assets (ROA) | 1.6237% | 924 |
| Pretax return on assets | 1.6237% | 1,492 |
| Return on Equity (ROE) | 12.3402% | 1,569 |
| Retained earnings to average equity (ytd only) | 1.0380% | 5,660 |
| Net charge-offs to loans | -0.0697% | 6,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4095% | 4,668 |
| Assets per employee ($millions) | 3.4231% | 5,291 |
| Cash dividends to net income (ytd only)* | 91.5888% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,046 |
| Loan loss allowance to noncurrent loans | 111.5456% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 4,207 |
| Noncurrent loans to loans | 0.9501% | 4,776 |
| Net loans and leases to total assets | 71.0258% | 1,567 |
| Net loans and leases to deposits | 85.0883% | 1,528 |
| Net loans and leases to core deposits | 99.9357% | 991 |
| Total domestic deposits to total assets | 83.4730% | 4,723 |
| Equity capital to assets | 13.2399% | 1,342 |
| Core capital (leverage) ratio | 12.3386% | 1,414 |
| Tier 1 risk-based capital ratio | 15.2863% | 3,564 |
| Total risk-based capital ratio | 16.2341% | 3,731 |
| Memoranda: | ||
| Average total assets | $79,080,000 | 5,507 |
| Average earning assets | $72,315,000 | 5,486 |
| Average equity | $10,405,000 | 4,939 |
| Average total loans | $57,366,000 | 4,923 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8237% | 612 |
| Cost of funding earning assets | 1.0861% | 2,758 |
| Net interest margin | 4.7377% | 699 |
| Noninterest income to average assets | 0.6496% | 2,892 |
| Noninterest expense to average assets | 3.1827% | 2,927 |
| Loan and lease loss provision to assets | 0.1302% | 4,992 |
| Net operating income to assets | 1.1506% | 1,667 |
| Return on assets (ROA) | 1.1937% | 1,636 |
| Pretax return on assets | 1.7261% | 939 |
| Return on Equity (ROE) | 9.0109% | 2,437 |
| Retained earnings to average equity (ytd only) | 2.3682% | 4,538 |
| Net charge-offs to loans | 0.1750% | 4,747 |
| Credit loss provision to net charge-offs | 101.0101% | 3,447 |
| Earnings coverage of net charge-offs (x) | 13.9192% | 1,505 |
| Efficiency ratio | 63.9550% | 5,137 |
| Assets per employee ($millions) | 3.4534% | 5,130 |
| Cash dividends to net income (ytd only)* | 73.7186% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,161 |
| Loan loss allowance to noncurrent loans | 91.0355% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 4,082 |
| Noncurrent loans to loans | 1.1114% | 4,495 |
| Net loans and leases to total assets | 72.5487% | 1,550 |
| Net loans and leases to deposits | 88.8697% | 1,283 |
| Net loans and leases to core deposits | 104.3724% | 878 |
| Total domestic deposits to total assets | 81.6349% | 5,257 |
| Equity capital to assets | 13.0760% | 1,450 |
| Core capital (leverage) ratio | 12.2882% | 1,447 |
| Tier 1 risk-based capital ratio | 14.6829% | 3,845 |
| Total risk-based capital ratio | 15.5807% | 4,054 |
| Memoranda: | ||
| Average total assets | $76,822,200 | 5,540 |
| Average earning assets | $70,161,000 | 5,533 |
| Average equity | $10,176,600 | 4,971 |
| Average total loans | $56,582,200 | 5,004 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8709% | 595 |
| Cost of funding earning assets | 1.1271% | 2,784 |
| Net interest margin | 4.7438% | 695 |
| Noninterest income to average assets | 0.6371% | 2,953 |
| Noninterest expense to average assets | 3.0772% | 3,247 |
| Loan and lease loss provision to assets | 0.0438% | 5,890 |
| Net operating income to assets | 1.3381% | 1,291 |
| Return on assets (ROA) | 1.3986% | 1,235 |
| Pretax return on assets | 1.9395% | 711 |
| Return on Equity (ROE) | 10.5224% | 2,018 |
| Retained earnings to average equity (ytd only) | 10.1009% | 821 |
| Net charge-offs to loans | 0.1495% | 4,571 |
| Credit loss provision to net charge-offs | 39.6825% | 5,255 |
| Earnings coverage of net charge-offs (x) | 17.2218% | 1,357 |
| Efficiency ratio | 61.8361% | 5,435 |
| Assets per employee ($millions) | 3.3641% | 5,332 |
| Cash dividends to net income (ytd only)* | 4.0054% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 6,396 |
| Loan loss allowance to noncurrent loans | 155.9659% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 5,606 |
| Noncurrent loans to loans | 0.6200% | 5,648 |
| Net loans and leases to total assets | 72.6669% | 1,574 |
| Net loans and leases to deposits | 91.5748% | 1,047 |
| Net loans and leases to core deposits | 109.1089% | 718 |
| Total domestic deposits to total assets | 79.3525% | 5,898 |
| Equity capital to assets | 13.7680% | 1,259 |
| Core capital (leverage) ratio | 13.0977% | 1,189 |
| Tier 1 risk-based capital ratio | 15.8973% | 3,168 |
| Total risk-based capital ratio | 16.7564% | 3,352 |
| Memoranda: | ||
| Average total assets | $76,170,750 | 5,605 |
| Average earning assets | $69,675,250 | 5,594 |
| Average equity | $10,124,250 | 5,005 |
| Average total loans | $56,174,500 | 5,068 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8403% | 663 |
| Cost of funding earning assets | 1.1657% | 2,802 |
| Net interest margin | 4.6745% | 773 |
| Noninterest income to average assets | 0.5728% | 3,312 |
| Noninterest expense to average assets | 3.1147% | 3,198 |
| Loan and lease loss provision to assets | 0.0660% | 5,485 |
| Net operating income to assets | 1.2135% | 1,531 |
| Return on assets (ROA) | 1.2828% | 1,430 |
| Pretax return on assets | 1.7632% | 941 |
| Return on Equity (ROE) | 9.7708% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.7708% | 904 |
| Net charge-offs to loans | 0.1536% | 4,259 |
| Credit loss provision to net charge-offs | 58.1395% | 4,384 |
| Earnings coverage of net charge-offs (x) | 15.2791% | 1,415 |
| Efficiency ratio | 64.2352% | 5,194 |
| Assets per employee ($millions) | 3.3394% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 6,306 |
| Loan loss allowance to noncurrent loans | 142.0000% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,552 |
| Noncurrent loans to loans | 0.7084% | 5,492 |
| Net loans and leases to total assets | 72.7798% | 1,633 |
| Net loans and leases to deposits | 89.5661% | 1,324 |
| Net loans and leases to core deposits | 106.7527% | 883 |
| Total domestic deposits to total assets | 81.2582% | 5,441 |
| Equity capital to assets | 13.3725% | 1,348 |
| Core capital (leverage) ratio | 13.0694% | 1,128 |
| Tier 1 risk-based capital ratio | 15.5189% | 3,227 |
| Total risk-based capital ratio | 16.4111% | 3,375 |
| Memoranda: | ||
| Average total assets | $75,769,330 | 5,658 |
| Average earning assets | $69,312,000 | 5,649 |
| Average equity | $9,948,000 | 5,058 |
| Average total loans | $55,974,330 | 5,124 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7295% | 835 |
| Cost of funding earning assets | 1.1946% | 2,849 |
| Net interest margin | 4.5349% | 996 |
| Noninterest income to average assets | 0.4518% | 4,265 |
| Noninterest expense to average assets | 3.1309% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0863% | 1,886 |
| Return on assets (ROA) | 1.2279% | 1,507 |
| Pretax return on assets | 1.6691% | 1,038 |
| Return on Equity (ROE) | 9.4416% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.4416% | 1,250 |
| Net charge-offs to loans | -0.1794% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9354% | 4,665 |
| Assets per employee ($millions) | 3.2037% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 6,020 |
| Loan loss allowance to noncurrent loans | 100.4926% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 5,256 |
| Noncurrent loans to loans | 1.1007% | 4,857 |
| Net loans and leases to total assets | 74.2529% | 1,310 |
| Net loans and leases to deposits | 88.6832% | 1,390 |
| Net loans and leases to core deposits | 105.3631% | 973 |
| Total domestic deposits to total assets | 83.7283% | 4,605 |
| Equity capital to assets | 13.4652% | 1,202 |
| Core capital (leverage) ratio | 12.9238% | 1,145 |
| Tier 1 risk-based capital ratio | 15.5859% | 3,111 |
| Total risk-based capital ratio | 16.5771% | 3,206 |
| Memoranda: | ||
| Average total assets | $75,250,500 | 5,721 |
| Average earning assets | $68,976,000 | 5,698 |
| Average equity | $9,786,500 | 5,098 |
| Average total loans | $55,727,500 | 5,186 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0517% | 773 |
| Cost of funding earning assets | 1.4494% | 2,957 |
| Net interest margin | 4.6024% | 1,008 |
| Noninterest income to average assets | 0.7666% | 2,448 |
| Noninterest expense to average assets | 3.1612% | 3,232 |
| Loan and lease loss provision to assets | 0.1002% | 6,145 |
| Net operating income to assets | 1.2684% | 1,254 |
| Return on assets (ROA) | 1.2754% | 1,297 |
| Pretax return on assets | 1.6961% | 947 |
| Return on Equity (ROE) | 9.9190% | 1,959 |
| Retained earnings to average equity (ytd only) | 5.1828% | 2,321 |
| Net charge-offs to loans | 0.1034% | 5,830 |
| Credit loss provision to net charge-offs | 138.8889% | 2,741 |
| Earnings coverage of net charge-offs (x) | 24.7778% | 853 |
| Efficiency ratio | 63.8866% | 5,373 |
| Assets per employee ($millions) | 3.2006% | 5,664 |
| Cash dividends to net income (ytd only)* | 47.7487% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 6,170 |
| Loan loss allowance to noncurrent loans | 109.5149% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 5,534 |
| Noncurrent loans to loans | 0.9549% | 5,141 |
| Net loans and leases to total assets | 72.3062% | 2,029 |
| Net loans and leases to deposits | 89.9480% | 1,529 |
| Net loans and leases to core deposits | 106.3107% | 1,171 |
| Total domestic deposits to total assets | 80.3866% | 5,726 |
| Equity capital to assets | 12.5640% | 1,595 |
| Core capital (leverage) ratio | 12.3342% | 1,379 |
| Tier 1 risk-based capital ratio | 14.7000% | 3,425 |
| Total risk-based capital ratio | 15.6186% | 3,588 |
| Memoranda: | ||
| Average total assets | $74,877,600 | 5,744 |
| Average earning assets | $68,030,400 | 5,734 |
| Average equity | $9,628,000 | 5,226 |
| Average total loans | $52,200,200 | 5,397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0494% | 845 |
| Cost of funding earning assets | 1.5099% | 2,914 |
| Net interest margin | 4.5396% | 1,174 |
| Noninterest income to average assets | 0.7402% | 2,577 |
| Noninterest expense to average assets | 3.0486% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3473% | 1,230 |
| Return on assets (ROA) | 1.3567% | 1,289 |
| Pretax return on assets | 1.8209% | 889 |
| Return on Equity (ROE) | 10.4893% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.3508% | 713 |
| Net charge-offs to loans | 0.0156% | 6,462 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 168.1625% | 194 |
| Efficiency ratio | 62.7675% | 5,474 |
| Assets per employee ($millions) | 3.1741% | 5,737 |
| Cash dividends to net income (ytd only)* | 1.3207% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 6,249 |
| Loan loss allowance to noncurrent loans | 93.1667% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 5,446 |
| Noncurrent loans to loans | 1.1093% | 5,027 |
| Net loans and leases to total assets | 70.2709% | 2,673 |
| Net loans and leases to deposits | 88.9278% | 1,865 |
| Net loans and leases to core deposits | 104.6897% | 1,427 |
| Total domestic deposits to total assets | 79.0202% | 6,013 |
| Equity capital to assets | 13.3529% | 1,422 |
| Core capital (leverage) ratio | 13.1992% | 1,154 |
| Tier 1 risk-based capital ratio | 15.5198% | 2,987 |
| Total risk-based capital ratio | 16.4196% | 3,145 |
| Memoranda: | ||
| Average total assets | $74,393,250 | 5,822 |
| Average earning assets | $67,464,500 | 5,819 |
| Average equity | $9,622,250 | 5,313 |
| Average total loans | $51,218,000 | 5,521 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9357% | 1,093 |
| Cost of funding earning assets | 1.5806% | 2,767 |
| Net interest margin | 4.3550% | 1,577 |
| Noninterest income to average assets | 0.8184% | 2,025 |
| Noninterest expense to average assets | 3.0136% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3029% | 1,297 |
| Return on assets (ROA) | 1.3171% | 1,335 |
| Pretax return on assets | 1.7588% | 951 |
| Return on Equity (ROE) | 10.2977% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.0858% | 828 |
| Net charge-offs to loans | -0.0517% | 7,452 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3979% | 5,449 |
| Assets per employee ($millions) | 3.1549% | 5,776 |
| Cash dividends to net income (ytd only)* | 2.0576% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 6,030 |
| Loan loss allowance to noncurrent loans | 85.2725% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 5,325 |
| Noncurrent loans to loans | 1.2683% | 4,846 |
| Net loans and leases to total assets | 69.9424% | 2,914 |
| Net loans and leases to deposits | 89.9104% | 1,867 |
| Net loans and leases to core deposits | 106.0559% | 1,441 |
| Total domestic deposits to total assets | 77.7913% | 6,312 |
| Equity capital to assets | 12.8596% | 1,625 |
| Core capital (leverage) ratio | 12.8282% | 1,267 |
| Tier 1 risk-based capital ratio | 15.4969% | 2,892 |
| Total risk-based capital ratio | 16.4544% | 3,014 |
| Memoranda: | ||
| Average total assets | $73,798,330 | 5,878 |
| Average earning assets | $66,681,670 | 5,879 |
| Average equity | $9,439,000 | 5,358 |
| Average total loans | $50,260,670 | 5,594 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8370% | 1,358 |
| Cost of funding earning assets | 1.6432% | 2,688 |
| Net interest margin | 4.1938% | 2,063 |
| Noninterest income to average assets | 0.8128% | 1,954 |
| Noninterest expense to average assets | 3.0478% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1625% | 1,644 |
| Return on assets (ROA) | 1.1917% | 1,634 |
| Pretax return on assets | 1.5596% | 1,368 |
| Return on Equity (ROE) | 9.3434% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.9128% | 1,423 |
| Net charge-offs to loans | -0.0658% | 7,427 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7067% | 4,974 |
| Assets per employee ($millions) | 3.0425% | 6,120 |
| Cash dividends to net income (ytd only)* | 4.6083% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 5,568 |
| Loan loss allowance to noncurrent loans | 103.4234% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 5,575 |
| Noncurrent loans to loans | 1.1470% | 5,076 |
| Net loans and leases to total assets | 65.4788% | 3,992 |
| Net loans and leases to deposits | 79.2626% | 3,788 |
| Net loans and leases to core deposits | 93.1663% | 2,957 |
| Total domestic deposits to total assets | 82.6100% | 4,794 |
| Equity capital to assets | 12.8775% | 1,567 |
| Core capital (leverage) ratio | 12.4988% | 1,404 |
| Tier 1 risk-based capital ratio | 16.0184% | 2,655 |
| Total risk-based capital ratio | 17.0287% | 2,685 |
| Memoranda: | ||
| Average total assets | $72,838,500 | 5,969 |
| Average earning assets | $65,239,500 | 5,990 |
| Average equity | $9,290,000 | 5,456 |
| Average total loans | $48,622,000 | 5,728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1239% | 1,451 |
| Cost of funding earning assets | 2.1439% | 2,257 |
| Net interest margin | 3.9800% | 2,942 |
| Noninterest income to average assets | 1.0013% | 1,569 |
| Noninterest expense to average assets | 3.2805% | 3,077 |
| Loan and lease loss provision to assets | 0.0720% | 6,861 |
| Net operating income to assets | 0.9261% | 2,089 |
| Return on assets (ROA) | 0.9249% | 2,159 |
| Pretax return on assets | 1.1670% | 2,041 |
| Return on Equity (ROE) | 6.9950% | 2,788 |
| Retained earnings to average equity (ytd only) | 0.8825% | 4,407 |
| Net charge-offs to loans | 0.1202% | 5,975 |
| Credit loss provision to net charge-offs | 89.2857% | 6,023 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,312 |
| Efficiency ratio | 72.5621% | 4,171 |
| Assets per employee ($millions) | 2.9063% | 6,446 |
| Cash dividends to net income (ytd only)* | 87.3832% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 5,607 |
| Loan loss allowance to noncurrent loans | 99.2970% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 5,433 |
| Noncurrent loans to loans | 1.1646% | 4,998 |
| Net loans and leases to total assets | 66.4662% | 4,043 |
| Net loans and leases to deposits | 79.8165% | 4,032 |
| Net loans and leases to core deposits | 103.4510% | 3,633 |
| Total domestic deposits to total assets | 83.2737% | 4,395 |
| Equity capital to assets | 12.6304% | 1,680 |
| Core capital (leverage) ratio | 12.5496% | 1,428 |
| Tier 1 risk-based capital ratio | 15.3353% | 2,789 |
| Total risk-based capital ratio | 16.3095% | 2,863 |
| Memoranda: | ||
| Average total assets | $69,409,200 | 6,022 |
| Average earning assets | $61,382,200 | 6,084 |
| Average equity | $9,178,000 | 5,554 |
| Average total loans | $46,607,600 | 5,815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1788% | 1,423 |
| Cost of funding earning assets | 2.2743% | 2,093 |
| Net interest margin | 3.9045% | 3,225 |
| Noninterest income to average assets | 1.0690% | 1,387 |
| Noninterest expense to average assets | 3.2770% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9636% | 2,181 |
| Return on assets (ROA) | 0.9621% | 2,247 |
| Pretax return on assets | 1.2303% | 2,165 |
| Return on Equity (ROE) | 7.1907% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.4307% | 2,798 |
| Net charge-offs to loans | 0.0492% | 6,229 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 37.2876% | 790 |
| Efficiency ratio | 72.6724% | 4,110 |
| Assets per employee ($millions) | 2.7776% | 6,686 |
| Cash dividends to net income (ytd only)* | 38.3845% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 5,213 |
| Loan loss allowance to noncurrent loans | 72.5490% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1305% | 4,815 |
| Noncurrent loans to loans | 1.6295% | 4,197 |
| Net loans and leases to total assets | 66.8092% | 4,233 |
| Net loans and leases to deposits | 83.3058% | 3,774 |
| Net loans and leases to core deposits | 110.6518% | 3,166 |
| Total domestic deposits to total assets | 80.1976% | 5,364 |
| Equity capital to assets | 13.6850% | 1,422 |
| Core capital (leverage) ratio | 13.3501% | 1,280 |
| Tier 1 risk-based capital ratio | 16.5412% | 2,411 |
| Total risk-based capital ratio | 17.5480% | 2,450 |
| Memoranda: | ||
| Average total assets | $68,597,000 | 6,086 |
| Average earning assets | $60,442,000 | 6,159 |
| Average equity | $9,178,250 | 5,603 |
| Average total loans | $46,045,000 | 5,882 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1673% | 1,567 |
| Cost of funding earning assets | 2.4245% | 1,861 |
| Net interest margin | 3.7427% | 3,781 |
| Noninterest income to average assets | 0.9427% | 1,786 |
| Noninterest expense to average assets | 3.2584% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7670% | 2,982 |
| Return on assets (ROA) | 0.7670% | 3,086 |
| Pretax return on assets | 0.9427% | 3,203 |
| Return on Equity (ROE) | 5.7773% | 3,758 |
| Retained earnings to average equity (ytd only) | 1.5877% | 4,445 |
| Net charge-offs to loans | 0.0831% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 16.9474% | 1,509 |
| Efficiency ratio | 77.5610% | 3,409 |
| Assets per employee ($millions) | 2.7270% | 6,782 |
| Cash dividends to net income (ytd only)* | 72.5191% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 4,856 |
| Loan loss allowance to noncurrent loans | 108.4149% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 5,446 |
| Noncurrent loans to loans | 1.1178% | 4,983 |
| Net loans and leases to total assets | 66.2428% | 4,521 |
| Net loans and leases to deposits | 79.0578% | 4,693 |
| Net loans and leases to core deposits | 103.7588% | 4,088 |
| Total domestic deposits to total assets | 83.7902% | 3,879 |
| Equity capital to assets | 13.2703% | 1,573 |
| Core capital (leverage) ratio | 12.8654% | 1,472 |
| Tier 1 risk-based capital ratio | 16.6454% | 2,407 |
| Total risk-based capital ratio | 17.6833% | 2,415 |
| Memoranda: | ||
| Average total assets | $68,315,670 | 6,141 |
| Average earning assets | $59,475,330 | 6,252 |
| Average equity | $9,070,000 | 5,659 |
| Average total loans | $45,744,000 | 5,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1069% | 1,916 |
| Cost of funding earning assets | 2.5695% | 1,660 |
| Net interest margin | 3.5374% | 4,577 |
| Noninterest income to average assets | 1.3278% | 811 |
| Noninterest expense to average assets | 3.2755% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8540% | 2,893 |
| Return on assets (ROA) | 0.8540% | 3,049 |
| Pretax return on assets | 1.0879% | 3,032 |
| Return on Equity (ROE) | 6.4307% | 3,843 |
| Retained earnings to average equity (ytd only) | 5.0212% | 3,119 |
| Net charge-offs to loans | 0.2885% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 2,637 |
| Efficiency ratio | 75.0670% | 3,650 |
| Assets per employee ($millions) | 2.6391% | 7,002 |
| Cash dividends to net income (ytd only)* | 21.9178% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 4,509 |
| Loan loss allowance to noncurrent loans | 65.5340% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 4,224 |
| Noncurrent loans to loans | 1.8956% | 3,421 |
| Net loans and leases to total assets | 62.5656% | 5,227 |
| Net loans and leases to deposits | 73.4373% | 5,549 |
| Net loans and leases to core deposits | 96.3593% | 4,924 |
| Total domestic deposits to total assets | 85.1959% | 3,105 |
| Equity capital to assets | 13.3948% | 1,576 |
| Core capital (leverage) ratio | 12.9828% | 1,486 |
| Tier 1 risk-based capital ratio | 17.1957% | 2,276 |
| Total risk-based capital ratio | 18.2357% | 2,276 |
| Memoranda: | ||
| Average total assets | $68,386,000 | 6,166 |
| Average earning assets | $58,687,500 | 6,316 |
| Average equity | $9,081,500 | 5,676 |
| Average total loans | $45,758,500 | 5,973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0874% | 937 |
| Cost of funding earning assets | 2.8589% | 2,446 |
| Net interest margin | 4.2284% | 2,198 |
| Noninterest income to average assets | 1.0494% | 1,424 |
| Noninterest expense to average assets | 3.2792% | 3,035 |
| Loan and lease loss provision to assets | 0.1116% | 5,942 |
| Net operating income to assets | 1.0836% | 2,212 |
| Return on assets (ROA) | 1.1462% | 1,886 |
| Pretax return on assets | 1.5198% | 1,623 |
| Return on Equity (ROE) | 8.3869% | 2,895 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.2108% | 4,101 |
| Credit loss provision to net charge-offs | 76.5306% | 5,966 |
| Earnings coverage of net charge-offs (x) | 10.6122% | 2,488 |
| Efficiency ratio | 67.9309% | 4,732 |
| Assets per employee ($millions) | 2.6214% | 6,959 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,620 |
| Loan loss allowance to noncurrent loans | 41.0625% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1906% | 2,233 |
| Noncurrent loans to loans | 2.8992% | 1,858 |
| Net loans and leases to total assets | 69.6564% | 4,106 |
| Net loans and leases to deposits | 81.4462% | 4,803 |
| Net loans and leases to core deposits | 106.9859% | 4,078 |
| Total domestic deposits to total assets | 85.5244% | 2,622 |
| Equity capital to assets | 13.1639% | 1,724 |
| Core capital (leverage) ratio | 13.1774% | 1,484 |
| Tier 1 risk-based capital ratio | 15.8361% | 2,730 |
| Total risk-based capital ratio | 16.8637% | 2,734 |
| Memoranda: | ||
| Average total assets | $67,181,400 | 6,117 |
| Average earning assets | $60,022,200 | 6,168 |
| Average equity | $9,181,000 | 5,682 |
| Average total loans | $46,494,200 | 5,853 |