Home > First Exchange Bank > Performance and Condition Ratios
First Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 2,044 |
| Cost of funding earning assets | 1.2393% | 2,698 |
| Net interest margin | 3.7742% | 1,602 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.8367% | 1,415 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.1340% | 1,820 |
| Return on assets (ROA) | 1.1340% | 1,804 |
| Pretax return on assets | 1.1340% | 2,304 |
| Return on Equity (ROE) | 14.2000% | 1,444 |
| Retained earnings to average equity (ytd only) | 4.6324% | 2,741 |
| Net charge-offs to loans | 0.4913% | 210 |
| Credit loss provision to net charge-offs | 20.3877% | 2,308 |
| Earnings coverage of net charge-offs (x) | 3.0531% | 2,661 |
| Efficiency ratio | 69.4161% | 1,967 |
| Assets per employee ($millions) | 5.3149% | 3,380 |
| Cash dividends to net income (ytd only)* | 67.3750% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 1,686 |
| Loan loss allowance to noncurrent loans | 82.3602% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 295 |
| Noncurrent loans to loans | 1.6007% | 408 |
| Net loans and leases to total assets | 83.2600% | 324 |
| Net loans and leases to deposits | 102.6913% | 409 |
| Net loans and leases to core deposits | 111.5955% | 895 |
| Total domestic deposits to total assets | 81.0800% | 3,295 |
| Equity capital to assets | 7.8630% | 3,510 |
| Core capital (leverage) ratio | 9.5124% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $340,289,000 | 2,229 |
| Average earning assets | $312,593,600 | 2,235 |
| Average equity | $27,178,200 | 2,403 |
| Average total loans | $283,527,200 | 1,856 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 1,974 |
| Cost of funding earning assets | 1.0400% | 2,924 |
| Net interest margin | 3.8988% | 1,402 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.9101% | 1,206 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.1327% | 1,958 |
| Return on assets (ROA) | 1.1327% | 1,938 |
| Pretax return on assets | 1.1327% | 2,477 |
| Return on Equity (ROE) | 14.1200% | 1,626 |
| Retained earnings to average equity (ytd only) | 4.4463% | 3,123 |
| Net charge-offs to loans | 0.0666% | 1,007 |
| Credit loss provision to net charge-offs | 185.6115% | 1,171 |
| Earnings coverage of net charge-offs (x) | 22.9856% | 1,749 |
| Efficiency ratio | 69.5917% | 1,833 |
| Assets per employee ($millions) | 5.1634% | 3,463 |
| Cash dividends to net income (ytd only)* | 68.5172% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 564 |
| Loan loss allowance to noncurrent loans | 82.1926% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 163 |
| Noncurrent loans to loans | 2.1950% | 246 |
| Net loans and leases to total assets | 82.5700% | 391 |
| Net loans and leases to deposits | 99.5372% | 538 |
| Net loans and leases to core deposits | 106.0966% | 1,010 |
| Total domestic deposits to total assets | 82.9500% | 3,030 |
| Equity capital to assets | 7.5904% | 3,299 |
| Core capital (leverage) ratio | 9.6190% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $335,007,750 | 2,248 |
| Average earning assets | $307,543,500 | 2,259 |
| Average equity | $26,868,250 | 2,404 |
| Average total loans | $278,178,000 | 1,884 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 1,932 |
| Cost of funding earning assets | 0.8483% | 3,077 |
| Net interest margin | 3.9786% | 1,281 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.9122% | 1,189 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2687% | 1,645 |
| Return on assets (ROA) | 1.2687% | 1,637 |
| Pretax return on assets | 1.2687% | 2,169 |
| Return on Equity (ROE) | 15.5300% | 1,355 |
| Retained earnings to average equity (ytd only) | 5.5557% | 2,762 |
| Net charge-offs to loans | 0.0679% | 876 |
| Credit loss provision to net charge-offs | 67.7419% | 1,601 |
| Earnings coverage of net charge-offs (x) | 24.4194% | 1,650 |
| Efficiency ratio | 67.9961% | 1,989 |
| Assets per employee ($millions) | 5.2972% | 3,328 |
| Cash dividends to net income (ytd only)* | 64.2245% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 590 |
| Loan loss allowance to noncurrent loans | 81.3497% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.8488% | 157 |
| Noncurrent loans to loans | 2.2292% | 227 |
| Net loans and leases to total assets | 81.4300% | 479 |
| Net loans and leases to deposits | 95.6757% | 753 |
| Net loans and leases to core deposits | 100.4680% | 1,210 |
| Total domestic deposits to total assets | 85.1100% | 2,514 |
| Equity capital to assets | 8.0644% | 3,169 |
| Core capital (leverage) ratio | 9.8322% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $331,360,333 | 2,274 |
| Average earning assets | $304,128,000 | 2,286 |
| Average equity | $27,071,333 | 2,411 |
| Average total loans | $273,940,000 | 1,893 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,767 |
| Cost of funding earning assets | 0.6863% | 3,095 |
| Net interest margin | 4.0497% | 1,178 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.9054% | 1,224 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.2994% | 1,668 |
| Return on assets (ROA) | 1.2994% | 1,640 |
| Pretax return on assets | 1.2994% | 2,176 |
| Return on Equity (ROE) | 15.8000% | 1,401 |
| Retained earnings to average equity (ytd only) | 4.6627% | 3,096 |
| Net charge-offs to loans | 0.0104% | 1,549 |
| Credit loss provision to net charge-offs | 985.7143% | 366 |
| Earnings coverage of net charge-offs (x) | 175.5714% | 551 |
| Efficiency ratio | 65.9368% | 2,214 |
| Assets per employee ($millions) | 5.0097% | 3,653 |
| Cash dividends to net income (ytd only)* | 70.4887% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 532 |
| Loan loss allowance to noncurrent loans | 98.0359% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.6014% | 189 |
| Noncurrent loans to loans | 1.9367% | 300 |
| Net loans and leases to total assets | 81.1200% | 445 |
| Net loans and leases to deposits | 89.9685% | 1,049 |
| Net loans and leases to core deposits | 93.8847% | 1,400 |
| Total domestic deposits to total assets | 90.1600% | 1,101 |
| Equity capital to assets | 8.3489% | 3,003 |
| Core capital (leverage) ratio | 9.8703% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $327,529,500 | 2,329 |
| Average earning assets | $300,761,500 | 2,338 |
| Average equity | $26,937,000 | 2,442 |
| Average total loans | $270,322,000 | 1,926 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 831 |
| Cost of funding earning assets | 0.3959% | 2,140 |
| Net interest margin | 4.0348% | 746 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.9715% | 1,009 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.0857% | 2,234 |
| Return on assets (ROA) | 1.0857% | 2,177 |
| Pretax return on assets | 1.0857% | 2,819 |
| Return on Equity (ROE) | 12.7800% | 1,884 |
| Retained earnings to average equity (ytd only) | 5.0852% | 3,010 |
| Net charge-offs to loans | 0.2116% | 390 |
| Credit loss provision to net charge-offs | 112.0658% | 1,499 |
| Earnings coverage of net charge-offs (x) | 7.5740% | 2,301 |
| Efficiency ratio | 69.9870% | 1,683 |
| Assets per employee ($millions) | 4.9910% | 3,688 |
| Cash dividends to net income (ytd only)* | 60.1983% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 509 |
| Loan loss allowance to noncurrent loans | 94.1090% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 166 |
| Noncurrent loans to loans | 2.0389% | 274 |
| Net loans and leases to total assets | 80.8000% | 518 |
| Net loans and leases to deposits | 89.6648% | 1,076 |
| Net loans and leases to core deposits | 92.9919% | 1,344 |
| Total domestic deposits to total assets | 90.1100% | 1,314 |
| Equity capital to assets | 8.0973% | 2,994 |
| Core capital (leverage) ratio | 9.9078% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $325,125,800 | 2,322 |
| Average earning assets | $299,590,600 | 2,336 |
| Average equity | $27,629,000 | 2,443 |
| Average total loans | $258,547,600 | 1,898 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 689 |
| Cost of funding earning assets | 0.3825% | 1,421 |
| Net interest margin | 3.9423% | 715 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.8584% | 1,128 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.0591% | 2,257 |
| Return on assets (ROA) | 1.0591% | 2,222 |
| Pretax return on assets | 1.0591% | 2,847 |
| Return on Equity (ROE) | 12.3200% | 1,932 |
| Retained earnings to average equity (ytd only) | 5.0006% | 3,103 |
| Net charge-offs to loans | 0.2174% | 312 |
| Credit loss provision to net charge-offs | 109.8086% | 1,273 |
| Earnings coverage of net charge-offs (x) | 7.2799% | 2,081 |
| Efficiency ratio | 69.6216% | 1,807 |
| Assets per employee ($millions) | 4.9290% | 3,739 |
| Cash dividends to net income (ytd only)* | 59.4040% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 546 |
| Loan loss allowance to noncurrent loans | 80.4667% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 130 |
| Noncurrent loans to loans | 2.4229% | 221 |
| Net loans and leases to total assets | 80.1200% | 521 |
| Net loans and leases to deposits | 87.8124% | 1,049 |
| Net loans and leases to core deposits | 90.2819% | 1,280 |
| Total domestic deposits to total assets | 91.2400% | 1,141 |
| Equity capital to assets | 8.1015% | 2,836 |
| Core capital (leverage) ratio | 9.8477% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $325,303,000 | 2,343 |
| Average earning assets | $300,084,500 | 2,356 |
| Average equity | $27,969,000 | 2,465 |
| Average total loans | $256,373,000 | 1,911 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 692 |
| Cost of funding earning assets | 0.4043% | 893 |
| Net interest margin | 3.7535% | 833 |
| Noninterest income to average assets | 0.4013% | 2,750 |
| Noninterest expense to average assets | 2.7968% | 1,180 |
| Loan and lease loss provision to assets | 0.1933% | 444 |
| Net operating income to assets | 0.8815% | 2,664 |
| Return on assets (ROA) | 0.8815% | 2,638 |
| Pretax return on assets | 0.8815% | 3,114 |
| Return on Equity (ROE) | 10.0628% | 2,311 |
| Retained earnings to average equity (ytd only) | 2.3813% | 3,649 |
| Net charge-offs to loans | 0.0849% | 645 |
| Credit loss provision to net charge-offs | 292.5926% | 809 |
| Earnings coverage of net charge-offs (x) | 16.2685% | 1,626 |
| Efficiency ratio | 72.2389% | 1,711 |
| Assets per employee ($millions) | 5.0007% | 3,679 |
| Cash dividends to net income (ytd only)* | 76.3359% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1034% | 448 |
| Loan loss allowance to noncurrent loans | 74.3232% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 2.2425% | 103 |
| Noncurrent loans to loans | 2.8300% | 183 |
| Net loans and leases to total assets | 76.6540% | 665 |
| Net loans and leases to deposits | 84.1984% | 1,105 |
| Net loans and leases to core deposits | 86.4096% | 1,314 |
| Total domestic deposits to total assets | 91.0397% | 1,217 |
| Equity capital to assets | 8.2935% | 2,915 |
| Core capital (leverage) ratio | 9.5171% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,942,333 | 2,343 |
| Average earning assets | $302,280,000 | 2,366 |
| Average equity | $28,640,000 | 2,488 |
| Average total loans | $254,564,667 | 1,927 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 639 |
| Cost of funding earning assets | 0.4439% | 681 |
| Net interest margin | 3.6571% | 811 |
| Noninterest income to average assets | 0.4806% | 2,232 |
| Noninterest expense to average assets | 2.6853% | 1,399 |
| Loan and lease loss provision to assets | 0.1755% | 437 |
| Net operating income to assets | 1.0109% | 1,834 |
| Return on assets (ROA) | 1.0109% | 1,826 |
| Pretax return on assets | 1.0109% | 2,401 |
| Return on Equity (ROE) | 11.2501% | 1,528 |
| Retained earnings to average equity (ytd only) | 1.8189% | 3,590 |
| Net charge-offs to loans | 0.0140% | 1,262 |
| Credit loss provision to net charge-offs | 1,611.1111% | 246 |
| Earnings coverage of net charge-offs (x) | 108.8889% | 650 |
| Efficiency ratio | 69.3558% | 2,322 |
| Assets per employee ($millions) | 5.7949% | 3,006 |
| Cash dividends to net income (ytd only)* | 83.8323% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 587 |
| Loan loss allowance to noncurrent loans | 81.0192% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.9685% | 149 |
| Noncurrent loans to loans | 2.5121% | 241 |
| Net loans and leases to total assets | 75.7613% | 523 |
| Net loans and leases to deposits | 85.7677% | 757 |
| Net loans and leases to core deposits | 88.2718% | 1,006 |
| Total domestic deposits to total assets | 88.3331% | 2,374 |
| Equity capital to assets | 8.6667% | 3,011 |
| Core capital (leverage) ratio | 9.3791% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,390,500 | 2,339 |
| Average earning assets | $306,363,000 | 2,358 |
| Average equity | $29,688,500 | 2,502 |
| Average total loans | $256,547,500 | 1,905 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 906 |
| Cost of funding earning assets | 0.6563% | 406 |
| Net interest margin | 3.6050% | 1,452 |
| Noninterest income to average assets | 0.5062% | 2,533 |
| Noninterest expense to average assets | 2.5930% | 1,888 |
| Loan and lease loss provision to assets | 0.4743% | 125 |
| Net operating income to assets | 0.8004% | 3,330 |
| Return on assets (ROA) | 0.8004% | 3,402 |
| Pretax return on assets | 0.8004% | 3,728 |
| Return on Equity (ROE) | 8.7314% | 2,999 |
| Retained earnings to average equity (ytd only) | -0.2440% | 4,522 |
| Net charge-offs to loans | 0.3083% | 276 |
| Credit loss provision to net charge-offs | 197.1975% | 1,313 |
| Earnings coverage of net charge-offs (x) | 5.2994% | 2,452 |
| Efficiency ratio | 67.0417% | 2,118 |
| Assets per employee ($millions) | 5.5904% | 3,171 |
| Cash dividends to net income (ytd only)* | 102.7948% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 641 |
| Loan loss allowance to noncurrent loans | 80.9432% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9222% | 168 |
| Noncurrent loans to loans | 2.4277% | 279 |
| Net loans and leases to total assets | 76.5793% | 480 |
| Net loans and leases to deposits | 87.7742% | 666 |
| Net loans and leases to core deposits | 90.4619% | 954 |
| Total domestic deposits to total assets | 87.2458% | 2,414 |
| Equity capital to assets | 9.1430% | 3,466 |
| Core capital (leverage) ratio | 9.1426% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,346,400 | 2,310 |
| Average earning assets | $304,299,800 | 2,310 |
| Average equity | $29,915,000 | 2,540 |
| Average total loans | $254,605,200 | 1,904 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 907 |
| Cost of funding earning assets | 0.6960% | 391 |
| Net interest margin | 3.6340% | 1,508 |
| Noninterest income to average assets | 0.4969% | 2,632 |
| Noninterest expense to average assets | 2.6000% | 1,835 |
| Loan and lease loss provision to assets | 0.4679% | 128 |
| Net operating income to assets | 0.8148% | 3,484 |
| Return on assets (ROA) | 0.8148% | 3,558 |
| Pretax return on assets | 0.8148% | 3,863 |
| Return on Equity (ROE) | 8.8829% | 3,143 |
| Retained earnings to average equity (ytd only) | -0.6520% | 4,628 |
| Net charge-offs to loans | 0.3824% | 201 |
| Credit loss provision to net charge-offs | 156.8681% | 1,333 |
| Earnings coverage of net charge-offs (x) | 4.3008% | 2,276 |
| Efficiency ratio | 66.9656% | 1,976 |
| Assets per employee ($millions) | 5.5732% | 3,119 |
| Cash dividends to net income (ytd only)* | 107.3404% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 804 |
| Loan loss allowance to noncurrent loans | 146.5340% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 656 |
| Noncurrent loans to loans | 1.2786% | 853 |
| Net loans and leases to total assets | 75.0846% | 610 |
| Net loans and leases to deposits | 86.8318% | 779 |
| Net loans and leases to core deposits | 90.7355% | 994 |
| Total domestic deposits to total assets | 86.4714% | 2,572 |
| Equity capital to assets | 9.2494% | 3,607 |
| Core capital (leverage) ratio | 9.0373% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,474,000 | 2,342 |
| Average earning assets | $303,242,500 | 2,341 |
| Average equity | $29,854,500 | 2,579 |
| Average total loans | $253,844,250 | 1,939 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 974 |
| Cost of funding earning assets | 0.7334% | 392 |
| Net interest margin | 3.5850% | 1,622 |
| Noninterest income to average assets | 0.4822% | 2,707 |
| Noninterest expense to average assets | 2.5903% | 1,886 |
| Loan and lease loss provision to assets | 0.4686% | 117 |
| Net operating income to assets | 0.7597% | 3,615 |
| Return on assets (ROA) | 0.7597% | 3,681 |
| Pretax return on assets | 0.7597% | 3,947 |
| Return on Equity (ROE) | 8.3052% | 3,313 |
| Retained earnings to average equity (ytd only) | -2.3797% | 4,692 |
| Net charge-offs to loans | 0.5821% | 133 |
| Credit loss provision to net charge-offs | 102.5641% | 1,345 |
| Earnings coverage of net charge-offs (x) | 2.6883% | 2,111 |
| Efficiency ratio | 67.8347% | 1,898 |
| Assets per employee ($millions) | 5.5055% | 3,123 |
| Cash dividends to net income (ytd only)* | 128.6526% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 1,051 |
| Loan loss allowance to noncurrent loans | 116.6982% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 606 |
| Noncurrent loans to loans | 1.4585% | 787 |
| Net loans and leases to total assets | 75.5088% | 634 |
| Net loans and leases to deposits | 87.8516% | 784 |
| Net loans and leases to core deposits | 92.3708% | 986 |
| Total domestic deposits to total assets | 85.9505% | 2,756 |
| Equity capital to assets | 9.1366% | 3,670 |
| Core capital (leverage) ratio | 9.0255% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,358,333 | 2,337 |
| Average earning assets | $301,869,333 | 2,333 |
| Average equity | $29,668,000 | 2,580 |
| Average total loans | $254,589,667 | 1,942 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 913 |
| Cost of funding earning assets | 0.7701% | 409 |
| Net interest margin | 3.6296% | 1,504 |
| Noninterest income to average assets | 0.4493% | 2,829 |
| Noninterest expense to average assets | 2.5665% | 1,969 |
| Loan and lease loss provision to assets | 0.4755% | 146 |
| Net operating income to assets | 0.7804% | 3,482 |
| Return on assets (ROA) | 0.7804% | 3,548 |
| Pretax return on assets | 0.7804% | 3,850 |
| Return on Equity (ROE) | 8.5273% | 3,177 |
| Retained earnings to average equity (ytd only) | -4.8144% | 4,693 |
| Net charge-offs to loans | 1.0792% | 68 |
| Credit loss provision to net charge-offs | 55.5233% | 1,293 |
| Earnings coverage of net charge-offs (x) | 1.4666% | 1,847 |
| Efficiency ratio | 67.1443% | 2,047 |
| Assets per employee ($millions) | 5.2987% | 3,337 |
| Cash dividends to net income (ytd only)* | 156.4593% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,346 |
| Loan loss allowance to noncurrent loans | 122.5153% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 804 |
| Noncurrent loans to loans | 1.2894% | 1,006 |
| Net loans and leases to total assets | 75.7475% | 648 |
| Net loans and leases to deposits | 88.5866% | 790 |
| Net loans and leases to core deposits | 93.1707% | 1,032 |
| Total domestic deposits to total assets | 85.5068% | 2,924 |
| Equity capital to assets | 8.8960% | 3,789 |
| Core capital (leverage) ratio | 9.0305% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,372,000 | 2,333 |
| Average earning assets | $298,659,000 | 2,341 |
| Average equity | $29,411,500 | 2,592 |
| Average total loans | $255,010,500 | 1,940 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 495 |
| Cost of funding earning assets | 0.9588% | 694 |
| Net interest margin | 4.0365% | 904 |
| Noninterest income to average assets | 0.4731% | 2,758 |
| Noninterest expense to average assets | 2.7050% | 2,226 |
| Loan and lease loss provision to assets | 0.3628% | 923 |
| Net operating income to assets | 1.1517% | 1,715 |
| Return on assets (ROA) | 1.1517% | 1,840 |
| Pretax return on assets | 1.1517% | 2,508 |
| Return on Equity (ROE) | 12.3882% | 1,209 |
| Retained earnings to average equity (ytd only) | 3.3416% | 3,155 |
| Net charge-offs to loans | 0.1121% | 1,355 |
| Credit loss provision to net charge-offs | 385.2234% | 1,478 |
| Earnings coverage of net charge-offs (x) | 16.0825% | 2,148 |
| Efficiency ratio | 64.1077% | 2,803 |
| Assets per employee ($millions) | 5.2371% | 3,108 |
| Cash dividends to net income (ytd only)* | 73.0261% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 1,099 |
| Loan loss allowance to noncurrent loans | 106.8323% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 607 |
| Noncurrent loans to loans | 1.5650% | 847 |
| Net loans and leases to total assets | 80.4780% | 393 |
| Net loans and leases to deposits | 95.8587% | 560 |
| Net loans and leases to core deposits | 101.1293% | 854 |
| Total domestic deposits to total assets | 83.9548% | 3,127 |
| Equity capital to assets | 9.4194% | 3,683 |
| Core capital (leverage) ratio | 9.2785% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,023,200 | 2,247 |
| Average earning assets | $286,807,800 | 2,250 |
| Average equity | $28,729,000 | 2,552 |
| Average total loans | $259,641,400 | 1,872 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 566 |
| Cost of funding earning assets | 0.9886% | 793 |
| Net interest margin | 4.0532% | 995 |
| Noninterest income to average assets | 0.4688% | 2,749 |
| Noninterest expense to average assets | 2.7206% | 2,203 |
| Loan and lease loss provision to assets | 0.3991% | 886 |
| Net operating income to assets | 1.1153% | 1,933 |
| Return on assets (ROA) | 1.1153% | 2,055 |
| Pretax return on assets | 1.1153% | 2,696 |
| Return on Equity (ROE) | 12.0368% | 1,359 |
| Retained earnings to average equity (ytd only) | 0.2619% | 4,433 |
| Net charge-offs to loans | 0.1255% | 1,127 |
| Credit loss provision to net charge-offs | 375.9184% | 1,528 |
| Earnings coverage of net charge-offs (x) | 14.2653% | 2,164 |
| Efficiency ratio | 64.2419% | 2,696 |
| Assets per employee ($millions) | 5.4029% | 2,792 |
| Cash dividends to net income (ytd only)* | 97.8244% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,182 |
| Loan loss allowance to noncurrent loans | 86.6096% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.5975% | 511 |
| Noncurrent loans to loans | 1.8129% | 734 |
| Net loans and leases to total assets | 82.9374% | 370 |
| Net loans and leases to deposits | 99.5362% | 555 |
| Net loans and leases to core deposits | 104.9321% | 884 |
| Total domestic deposits to total assets | 83.3239% | 3,050 |
| Equity capital to assets | 9.1706% | 3,978 |
| Core capital (leverage) ratio | 8.9080% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,722,750 | 2,232 |
| Average earning assets | $285,926,500 | 2,234 |
| Average equity | $28,511,750 | 2,559 |
| Average total loans | $260,256,250 | 1,859 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 801 |
| Cost of funding earning assets | 1.0122% | 954 |
| Net interest margin | 4.0038% | 1,309 |
| Noninterest income to average assets | 0.4754% | 2,680 |
| Noninterest expense to average assets | 2.7452% | 2,238 |
| Loan and lease loss provision to assets | 0.4734% | 794 |
| Net operating income to assets | 0.9763% | 2,408 |
| Return on assets (ROA) | 0.9763% | 2,538 |
| Pretax return on assets | 0.9763% | 3,095 |
| Return on Equity (ROE) | 10.5007% | 1,807 |
| Retained earnings to average equity (ytd only) | -1.1886% | 4,500 |
| Net charge-offs to loans | 0.1637% | 916 |
| Credit loss provision to net charge-offs | 341.5094% | 1,535 |
| Earnings coverage of net charge-offs (x) | 10.4575% | 2,148 |
| Efficiency ratio | 65.4404% | 2,597 |
| Assets per employee ($millions) | 5.1834% | 2,957 |
| Cash dividends to net income (ytd only)* | 111.3195% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 1,249 |
| Loan loss allowance to noncurrent loans | 85.5608% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5526% | 589 |
| Noncurrent loans to loans | 1.7581% | 807 |
| Net loans and leases to total assets | 82.4601% | 378 |
| Net loans and leases to deposits | 99.4887% | 584 |
| Net loans and leases to core deposits | 104.4763% | 974 |
| Total domestic deposits to total assets | 82.8839% | 3,118 |
| Equity capital to assets | 9.0304% | 4,065 |
| Core capital (leverage) ratio | 8.9645% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,840,333 | 2,215 |
| Average earning assets | $284,127,000 | 2,224 |
| Average equity | $28,436,333 | 2,553 |
| Average total loans | $258,992,667 | 1,852 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 806 |
| Cost of funding earning assets | 1.0492% | 1,219 |
| Net interest margin | 4.0436% | 1,277 |
| Noninterest income to average assets | 0.5348% | 2,366 |
| Noninterest expense to average assets | 2.8244% | 2,359 |
| Loan and lease loss provision to assets | 0.6878% | 388 |
| Net operating income to assets | 0.7756% | 2,995 |
| Return on assets (ROA) | 0.7756% | 3,073 |
| Pretax return on assets | 0.7756% | 3,476 |
| Return on Equity (ROE) | 8.2176% | 2,421 |
| Retained earnings to average equity (ytd only) | -1.3814% | 4,185 |
| Net charge-offs to loans | 0.1702% | 778 |
| Credit loss provision to net charge-offs | 474.3119% | 912 |
| Earnings coverage of net charge-offs (x) | 10.0917% | 1,785 |
| Efficiency ratio | 65.8703% | 2,988 |
| Assets per employee ($millions) | 4.7665% | 2,912 |
| Cash dividends to net income (ytd only)* | 116.8096% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,342 |
| Loan loss allowance to noncurrent loans | 92.7734% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 728 |
| Noncurrent loans to loans | 1.6172% | 958 |
| Net loans and leases to total assets | 84.7611% | 221 |
| Net loans and leases to deposits | 104.2579% | 358 |
| Net loans and leases to core deposits | 109.1065% | 897 |
| Total domestic deposits to total assets | 81.2994% | 3,601 |
| Equity capital to assets | 9.4958% | 4,223 |
| Core capital (leverage) ratio | 9.3379% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,666,500 | 2,206 |
| Average earning assets | $279,061,500 | 2,202 |
| Average equity | $28,378,000 | 2,549 |
| Average total loans | $256,133,500 | 1,822 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 982 |
| Cost of funding earning assets | 1.0258% | 1,618 |
| Net interest margin | 4.1792% | 1,357 |
| Noninterest income to average assets | 0.5526% | 2,461 |
| Noninterest expense to average assets | 2.7851% | 2,650 |
| Loan and lease loss provision to assets | 0.2861% | 603 |
| Net operating income to assets | 1.3874% | 1,381 |
| Return on assets (ROA) | 1.3874% | 1,460 |
| Pretax return on assets | 1.3874% | 2,208 |
| Return on Equity (ROE) | 16.3149% | 501 |
| Retained earnings to average equity (ytd only) | 5.7653% | 1,996 |
| Net charge-offs to loans | 0.1794% | 1,122 |
| Credit loss provision to net charge-offs | 184.3537% | 1,432 |
| Earnings coverage of net charge-offs (x) | 10.7823% | 2,546 |
| Efficiency ratio | 62.4645% | 3,297 |
| Assets per employee ($millions) | 4.6314% | 3,043 |
| Cash dividends to net income (ytd only)* | 64.6626% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,643 |
| Loan loss allowance to noncurrent loans | 78.2766% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.5609% | 635 |
| Noncurrent loans to loans | 1.7462% | 783 |
| Net loans and leases to total assets | 83.1745% | 406 |
| Net loans and leases to deposits | 103.5555% | 398 |
| Net loans and leases to core deposits | 109.0852% | 907 |
| Total domestic deposits to total assets | 80.3188% | 3,912 |
| Equity capital to assets | 9.3811% | 4,444 |
| Core capital (leverage) ratio | 9.5842% | 3,980 |
| Tier 1 risk-based capital ratio | 12.8193% | 3,885 |
| Total risk-based capital ratio | 14.0733% | 3,773 |
| Memoranda: | ||
| Average total assets | $284,123,800 | 2,257 |
| Average earning assets | $265,555,200 | 2,244 |
| Average equity | $24,162,000 | 2,781 |
| Average total loans | $245,837,200 | 1,850 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 1,134 |
| Cost of funding earning assets | 1.0214% | 1,672 |
| Net interest margin | 4.1365% | 1,536 |
| Noninterest income to average assets | 0.5416% | 2,504 |
| Noninterest expense to average assets | 2.7486% | 2,717 |
| Loan and lease loss provision to assets | 0.2849% | 524 |
| Net operating income to assets | 1.3819% | 1,524 |
| Return on assets (ROA) | 1.3819% | 1,595 |
| Pretax return on assets | 1.3819% | 2,373 |
| Return on Equity (ROE) | 16.7136% | 517 |
| Retained earnings to average equity (ytd only) | 2.4947% | 4,097 |
| Net charge-offs to loans | 0.1006% | 1,467 |
| Credit loss provision to net charge-offs | 325.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 19.0161% | 2,024 |
| Efficiency ratio | 62.2505% | 3,286 |
| Assets per employee ($millions) | 4.5200% | 3,169 |
| Cash dividends to net income (ytd only)* | 85.0741% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,615 |
| Loan loss allowance to noncurrent loans | 58.8867% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.1664% | 376 |
| Noncurrent loans to loans | 2.3619% | 516 |
| Net loans and leases to total assets | 86.0741% | 188 |
| Net loans and leases to deposits | 112.9228% | 160 |
| Net loans and leases to core deposits | 116.0896% | 651 |
| Total domestic deposits to total assets | 76.2239% | 4,619 |
| Equity capital to assets | 8.2401% | 5,080 |
| Core capital (leverage) ratio | 8.2914% | 5,037 |
| Tier 1 risk-based capital ratio | 10.8422% | 4,971 |
| Total risk-based capital ratio | 12.0967% | 4,870 |
| Memoranda: | ||
| Average total assets | $279,894,000 | 2,291 |
| Average earning assets | $262,115,250 | 2,273 |
| Average equity | $23,142,250 | 2,879 |
| Average total loans | $243,831,250 | 1,869 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 1,374 |
| Cost of funding earning assets | 1.0026% | 1,687 |
| Net interest margin | 4.0366% | 1,809 |
| Noninterest income to average assets | 0.5181% | 2,578 |
| Noninterest expense to average assets | 2.7547% | 2,739 |
| Loan and lease loss provision to assets | 0.2876% | 494 |
| Net operating income to assets | 1.2610% | 1,914 |
| Return on assets (ROA) | 1.2610% | 1,979 |
| Pretax return on assets | 1.2610% | 2,708 |
| Return on Equity (ROE) | 15.2331% | 720 |
| Retained earnings to average equity (ytd only) | -0.3666% | 4,747 |
| Net charge-offs to loans | 0.1212% | 1,222 |
| Credit loss provision to net charge-offs | 272.6027% | 956 |
| Earnings coverage of net charge-offs (x) | 14.6781% | 2,021 |
| Efficiency ratio | 64.0134% | 3,130 |
| Assets per employee ($millions) | 4.7250% | 2,836 |
| Cash dividends to net income (ytd only)* | 102.4069% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,792 |
| Loan loss allowance to noncurrent loans | 56.6261% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.1623% | 397 |
| Noncurrent loans to loans | 2.3951% | 515 |
| Net loans and leases to total assets | 85.9445% | 219 |
| Net loans and leases to deposits | 109.9434% | 221 |
| Net loans and leases to core deposits | 112.5524% | 846 |
| Total domestic deposits to total assets | 78.1716% | 4,361 |
| Equity capital to assets | 8.2272% | 5,137 |
| Core capital (leverage) ratio | 8.2593% | 5,076 |
| Tier 1 risk-based capital ratio | 10.9080% | 4,956 |
| Total risk-based capital ratio | 12.1621% | 4,866 |
| Memoranda: | ||
| Average total assets | $276,764,670 | 2,316 |
| Average earning assets | $259,523,330 | 2,300 |
| Average equity | $22,910,670 | 2,890 |
| Average total loans | $240,938,670 | 1,893 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 1,215 |
| Cost of funding earning assets | 0.9785% | 1,659 |
| Net interest margin | 4.0712% | 1,637 |
| Noninterest income to average assets | 0.4960% | 2,572 |
| Noninterest expense to average assets | 2.7242% | 2,833 |
| Loan and lease loss provision to assets | 0.2941% | 446 |
| Net operating income to assets | 1.3007% | 1,693 |
| Return on assets (ROA) | 1.3007% | 1,732 |
| Pretax return on assets | 1.3007% | 2,450 |
| Return on Equity (ROE) | 15.6624% | 640 |
| Retained earnings to average equity (ytd only) | 2.7837% | 3,825 |
| Net charge-offs to loans | 0.1362% | 930 |
| Credit loss provision to net charge-offs | 248.1481% | 933 |
| Earnings coverage of net charge-offs (x) | 13.4568% | 1,839 |
| Efficiency ratio | 63.0759% | 3,373 |
| Assets per employee ($millions) | 4.6284% | 3,005 |
| Cash dividends to net income (ytd only)* | 82.2272% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 1,971 |
| Loan loss allowance to noncurrent loans | 54.4041% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.1771% | 409 |
| Noncurrent loans to loans | 2.4387% | 547 |
| Net loans and leases to total assets | 86.1803% | 175 |
| Net loans and leases to deposits | 107.8958% | 272 |
| Net loans and leases to core deposits | 110.3245% | 914 |
| Total domestic deposits to total assets | 79.8737% | 4,193 |
| Equity capital to assets | 8.2368% | 5,113 |
| Core capital (leverage) ratio | 8.3648% | 5,079 |
| Tier 1 risk-based capital ratio | 11.0070% | 4,971 |
| Total risk-based capital ratio | 12.2605% | 4,872 |
| Memoranda: | ||
| Average total assets | $273,398,500 | 2,355 |
| Average earning assets | $256,730,000 | 2,337 |
| Average equity | $22,704,000 | 2,912 |
| Average total loans | $237,908,000 | 1,933 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 1,542 |
| Cost of funding earning assets | 0.6718% | 2,253 |
| Net interest margin | 4.1293% | 1,593 |
| Noninterest income to average assets | 0.7693% | 1,572 |
| Noninterest expense to average assets | 2.8601% | 2,484 |
| Loan and lease loss provision to assets | 0.5125% | 231 |
| Net operating income to assets | 1.2715% | 1,906 |
| Return on assets (ROA) | 1.2715% | 1,905 |
| Pretax return on assets | 1.2715% | 2,611 |
| Return on Equity (ROE) | 14.2704% | 985 |
| Retained earnings to average equity (ytd only) | -1.9693% | 5,128 |
| Net charge-offs to loans | 0.3944% | 474 |
| Credit loss provision to net charge-offs | 149.9419% | 1,836 |
| Earnings coverage of net charge-offs (x) | 5.2195% | 3,209 |
| Efficiency ratio | 61.5865% | 3,607 |
| Assets per employee ($millions) | 4.4849% | 3,196 |
| Cash dividends to net income (ytd only)* | 113.7996% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 1,912 |
| Loan loss allowance to noncurrent loans | 51.9624% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.2595% | 374 |
| Noncurrent loans to loans | 2.5558% | 467 |
| Net loans and leases to total assets | 85.5369% | 267 |
| Net loans and leases to deposits | 108.3759% | 292 |
| Net loans and leases to core deposits | 110.5103% | 971 |
| Total domestic deposits to total assets | 78.9261% | 4,324 |
| Equity capital to assets | 8.3741% | 5,005 |
| Core capital (leverage) ratio | 8.6987% | 4,881 |
| Tier 1 risk-based capital ratio | 11.2774% | 4,821 |
| Total risk-based capital ratio | 12.5307% | 4,738 |
| Memoranda: | ||
| Average total assets | $251,910,000 | 2,457 |
| Average earning assets | $236,385,000 | 2,441 |
| Average equity | $22,445,000 | 2,867 |
| Average total loans | $218,299,200 | 2,037 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 1,570 |
| Cost of funding earning assets | 0.6249% | 2,301 |
| Net interest margin | 4.1153% | 1,586 |
| Noninterest income to average assets | 0.8524% | 1,326 |
| Noninterest expense to average assets | 2.8894% | 2,335 |
| Loan and lease loss provision to assets | 0.2574% | 605 |
| Net operating income to assets | 1.5637% | 1,039 |
| Return on assets (ROA) | 1.5637% | 1,041 |
| Pretax return on assets | 1.5637% | 1,693 |
| Return on Equity (ROE) | 17.2677% | 513 |
| Retained earnings to average equity (ytd only) | -3.9245% | 5,279 |
| Net charge-offs to loans | 0.0715% | 1,817 |
| Credit loss provision to net charge-offs | 415.6522% | 803 |
| Earnings coverage of net charge-offs (x) | 29.4086% | 1,632 |
| Efficiency ratio | 61.3397% | 3,612 |
| Assets per employee ($millions) | 4.1524% | 3,652 |
| Cash dividends to net income (ytd only)* | 122.7273% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 1,787 |
| Loan loss allowance to noncurrent loans | 45.5105% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.6301% | 318 |
| Noncurrent loans to loans | 3.0316% | 359 |
| Net loans and leases to total assets | 85.5340% | 309 |
| Net loans and leases to deposits | 104.7893% | 503 |
| Net loans and leases to core deposits | 106.7592% | 1,247 |
| Total domestic deposits to total assets | 81.6247% | 3,703 |
| Equity capital to assets | 8.6882% | 4,805 |
| Core capital (leverage) ratio | 9.0057% | 4,697 |
| Tier 1 risk-based capital ratio | 11.9086% | 4,550 |
| Total risk-based capital ratio | 13.1627% | 4,428 |
| Memoranda: | ||
| Average total assets | $247,614,750 | 2,504 |
| Average earning assets | $232,135,000 | 2,485 |
| Average equity | $22,422,750 | 2,883 |
| Average total loans | $214,556,500 | 2,073 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,455 |
| Cost of funding earning assets | 0.5948% | 2,260 |
| Net interest margin | 4.1248% | 1,478 |
| Noninterest income to average assets | 0.7781% | 1,542 |
| Noninterest expense to average assets | 2.9074% | 2,338 |
| Loan and lease loss provision to assets | 0.2572% | 598 |
| Net operating income to assets | 1.4797% | 1,201 |
| Return on assets (ROA) | 1.4797% | 1,202 |
| Pretax return on assets | 1.4797% | 1,892 |
| Return on Equity (ROE) | 16.1161% | 651 |
| Retained earnings to average equity (ytd only) | -6.7106% | 5,351 |
| Net charge-offs to loans | 0.0226% | 2,425 |
| Credit loss provision to net charge-offs | 1,316.6667% | 318 |
| Earnings coverage of net charge-offs (x) | 88.9167% | 756 |
| Efficiency ratio | 62.6008% | 3,547 |
| Assets per employee ($millions) | 4.3815% | 3,306 |
| Cash dividends to net income (ytd only)* | 141.6392% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 1,893 |
| Loan loss allowance to noncurrent loans | 52.9149% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.2399% | 427 |
| Noncurrent loans to loans | 2.5717% | 498 |
| Net loans and leases to total assets | 85.8807% | 277 |
| Net loans and leases to deposits | 105.6260% | 459 |
| Net loans and leases to core deposits | 107.6393% | 1,141 |
| Total domestic deposits to total assets | 81.3065% | 3,912 |
| Equity capital to assets | 8.8370% | 4,689 |
| Core capital (leverage) ratio | 9.1066% | 4,578 |
| Tier 1 risk-based capital ratio | 11.9597% | 4,528 |
| Total risk-based capital ratio | 13.2136% | 4,396 |
| Memoranda: | ||
| Average total assets | $245,720,670 | 2,527 |
| Average earning assets | $230,314,000 | 2,511 |
| Average equity | $22,561,330 | 2,876 |
| Average total loans | $212,846,670 | 2,086 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 1,325 |
| Cost of funding earning assets | 0.5725% | 2,235 |
| Net interest margin | 4.1194% | 1,386 |
| Noninterest income to average assets | 0.5466% | 2,538 |
| Noninterest expense to average assets | 2.9215% | 2,283 |
| Loan and lease loss provision to assets | 0.2577% | 564 |
| Net operating income to assets | 1.2293% | 1,897 |
| Return on assets (ROA) | 1.2293% | 1,906 |
| Pretax return on assets | 1.2293% | 2,643 |
| Return on Equity (ROE) | 13.1363% | 1,225 |
| Retained earnings to average equity (ytd only) | -8.7868% | 5,327 |
| Net charge-offs to loans | 0.0076% | 2,471 |
| Credit loss provision to net charge-offs | 3,925.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 226.5000% | 294 |
| Efficiency ratio | 66.2695% | 3,112 |
| Assets per employee ($millions) | 4.0131% | 3,952 |
| Cash dividends to net income (ytd only)* | 166.8892% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,093 |
| Loan loss allowance to noncurrent loans | 52.2989% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 472 |
| Noncurrent loans to loans | 2.5465% | 529 |
| Net loans and leases to total assets | 85.3749% | 309 |
| Net loans and leases to deposits | 102.6044% | 553 |
| Net loans and leases to core deposits | 103.7705% | 1,391 |
| Total domestic deposits to total assets | 83.2079% | 3,600 |
| Equity capital to assets | 9.1459% | 4,422 |
| Core capital (leverage) ratio | 9.3440% | 4,263 |
| Tier 1 risk-based capital ratio | 12.4717% | 4,260 |
| Total risk-based capital ratio | 13.7252% | 4,159 |
| Memoranda: | ||
| Average total assets | $243,709,000 | 2,563 |
| Average earning assets | $228,477,500 | 2,543 |
| Average equity | $22,807,000 | 2,886 |
| Average total loans | $210,549,500 | 2,110 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,338 |
| Cost of funding earning assets | 0.5023% | 2,318 |
| Net interest margin | 4.1362% | 1,333 |
| Noninterest income to average assets | 0.6312% | 2,300 |
| Noninterest expense to average assets | 2.7587% | 2,925 |
| Loan and lease loss provision to assets | 0.2380% | 807 |
| Net operating income to assets | 1.5056% | 791 |
| Return on assets (ROA) | 1.5056% | 807 |
| Pretax return on assets | 1.5056% | 1,620 |
| Return on Equity (ROE) | 15.4070% | 557 |
| Retained earnings to average equity (ytd only) | -0.7525% | 5,151 |
| Net charge-offs to loans | 0.1735% | 1,426 |
| Credit loss provision to net charge-offs | 159.5442% | 1,673 |
| Earnings coverage of net charge-offs (x) | 11.6866% | 2,541 |
| Efficiency ratio | 61.2727% | 4,059 |
| Assets per employee ($millions) | 4.1122% | 3,794 |
| Cash dividends to net income (ytd only)* | 104.8842% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,346 |
| Loan loss allowance to noncurrent loans | 58.7148% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.9417% | 594 |
| Noncurrent loans to loans | 2.1712% | 678 |
| Net loans and leases to total assets | 85.1594% | 329 |
| Net loans and leases to deposits | 104.7367% | 460 |
| Net loans and leases to core deposits | 105.7315% | 1,277 |
| Total domestic deposits to total assets | 81.3081% | 4,052 |
| Equity capital to assets | 9.5726% | 4,168 |
| Core capital (leverage) ratio | 9.6105% | 3,909 |
| Tier 1 risk-based capital ratio | 13.0419% | 3,881 |
| Total risk-based capital ratio | 14.2949% | 3,783 |
| Memoranda: | ||
| Average total assets | $235,259,000 | 2,604 |
| Average earning assets | $220,180,000 | 2,580 |
| Average equity | $22,989,600 | 2,863 |
| Average total loans | $202,348,400 | 2,137 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 1,329 |
| Cost of funding earning assets | 0.4843% | 2,398 |
| Net interest margin | 4.1308% | 1,317 |
| Noninterest income to average assets | 0.6517% | 2,202 |
| Noninterest expense to average assets | 2.7264% | 2,977 |
| Loan and lease loss provision to assets | 0.2353% | 763 |
| Net operating income to assets | 1.5537% | 797 |
| Return on assets (ROA) | 1.5537% | 818 |
| Pretax return on assets | 1.5537% | 1,568 |
| Return on Equity (ROE) | 15.8154% | 543 |
| Retained earnings to average equity (ytd only) | -5.7854% | 5,561 |
| Net charge-offs to loans | 0.2319% | 927 |
| Credit loss provision to net charge-offs | 118.0516% | 2,030 |
| Earnings coverage of net charge-offs (x) | 8.9743% | 2,729 |
| Efficiency ratio | 60.3795% | 4,146 |
| Assets per employee ($millions) | 4.1721% | 3,696 |
| Cash dividends to net income (ytd only)* | 136.5807% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,835 |
| Loan loss allowance to noncurrent loans | 54.0836% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.0469% | 620 |
| Noncurrent loans to loans | 2.2475% | 718 |
| Net loans and leases to total assets | 84.7343% | 362 |
| Net loans and leases to deposits | 105.0270% | 451 |
| Net loans and leases to core deposits | 106.1728% | 1,261 |
| Total domestic deposits to total assets | 80.6786% | 4,145 |
| Equity capital to assets | 9.3177% | 4,635 |
| Core capital (leverage) ratio | 9.5237% | 4,136 |
| Tier 1 risk-based capital ratio | 12.5973% | 4,259 |
| Total risk-based capital ratio | 13.8490% | 4,165 |
| Memoranda: | ||
| Average total assets | $233,419,000 | 2,636 |
| Average earning assets | $218,324,500 | 2,614 |
| Average equity | $22,930,750 | 2,887 |
| Average total loans | $200,615,250 | 2,156 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 1,269 |
| Cost of funding earning assets | 0.4690% | 2,419 |
| Net interest margin | 4.1227% | 1,265 |
| Noninterest income to average assets | 0.6939% | 2,015 |
| Noninterest expense to average assets | 2.7185% | 3,018 |
| Loan and lease loss provision to assets | 0.2368% | 717 |
| Net operating income to assets | 1.5969% | 713 |
| Return on assets (ROA) | 1.5969% | 733 |
| Pretax return on assets | 1.5969% | 1,358 |
| Return on Equity (ROE) | 15.9680% | 533 |
| Retained earnings to average equity (ytd only) | -9.9659% | 5,651 |
| Net charge-offs to loans | 0.1987% | 1,015 |
| Credit loss provision to net charge-offs | 138.5787% | 1,610 |
| Earnings coverage of net charge-offs (x) | 10.7310% | 2,327 |
| Efficiency ratio | 59.7180% | 4,357 |
| Assets per employee ($millions) | 3.9893% | 3,972 |
| Cash dividends to net income (ytd only)* | 162.4117% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,637 |
| Loan loss allowance to noncurrent loans | 52.1605% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 545 |
| Noncurrent loans to loans | 2.4115% | 644 |
| Net loans and leases to total assets | 84.5493% | 391 |
| Net loans and leases to deposits | 104.5684% | 463 |
| Net loans and leases to core deposits | 105.7346% | 1,253 |
| Total domestic deposits to total assets | 80.8555% | 4,218 |
| Equity capital to assets | 9.5336% | 4,375 |
| Core capital (leverage) ratio | 9.5672% | 4,053 |
| Tier 1 risk-based capital ratio | 12.9571% | 4,024 |
| Total risk-based capital ratio | 14.2099% | 3,942 |
| Memoranda: | ||
| Average total assets | $230,565,000 | 2,674 |
| Average earning assets | $215,781,000 | 2,648 |
| Average equity | $23,058,670 | 2,877 |
| Average total loans | $198,299,000 | 2,181 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 1,210 |
| Cost of funding earning assets | 0.4509% | 2,518 |
| Net interest margin | 4.1202% | 1,170 |
| Noninterest income to average assets | 0.8538% | 1,385 |
| Noninterest expense to average assets | 2.7349% | 3,016 |
| Loan and lease loss provision to assets | 0.2419% | 635 |
| Net operating income to assets | 1.7374% | 514 |
| Return on assets (ROA) | 1.7374% | 518 |
| Pretax return on assets | 1.7374% | 924 |
| Return on Equity (ROE) | 16.9630% | 419 |
| Retained earnings to average equity (ytd only) | -4.6901% | 5,365 |
| Net charge-offs to loans | 0.0244% | 2,273 |
| Credit loss provision to net charge-offs | 1,150.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 94.0833% | 571 |
| Efficiency ratio | 58.0141% | 4,712 |
| Assets per employee ($millions) | 4.0052% | 4,001 |
| Cash dividends to net income (ytd only)* | 127.6488% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,466 |
| Loan loss allowance to noncurrent loans | 73.9416% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.5484% | 1,019 |
| Noncurrent loans to loans | 1.7778% | 1,063 |
| Net loans and leases to total assets | 85.0059% | 287 |
| Net loans and leases to deposits | 101.2326% | 538 |
| Net loans and leases to core deposits | 102.4090% | 1,338 |
| Total domestic deposits to total assets | 83.9708% | 3,490 |
| Equity capital to assets | 10.1771% | 3,534 |
| Core capital (leverage) ratio | 10.1757% | 3,271 |
| Tier 1 risk-based capital ratio | 14.0447% | 3,446 |
| Total risk-based capital ratio | 15.2983% | 3,362 |
| Memoranda: | ||
| Average total assets | $228,163,500 | 2,720 |
| Average earning assets | $213,776,000 | 2,691 |
| Average equity | $23,368,500 | 2,853 |
| Average total loans | $196,680,000 | 2,213 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 1,259 |
| Cost of funding earning assets | 0.4943% | 2,131 |
| Net interest margin | 4.1157% | 1,343 |
| Noninterest income to average assets | 0.6638% | 2,349 |
| Noninterest expense to average assets | 2.7728% | 3,111 |
| Loan and lease loss provision to assets | 0.0894% | 2,580 |
| Net operating income to assets | 1.6765% | 580 |
| Return on assets (ROA) | 1.6765% | 605 |
| Pretax return on assets | 1.6765% | 1,062 |
| Return on Equity (ROE) | 16.7943% | 429 |
| Retained earnings to average equity (ytd only) | 10.0641% | 399 |
| Net charge-offs to loans | 0.0314% | 3,393 |
| Credit loss provision to net charge-offs | 335.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 66.1500% | 832 |
| Efficiency ratio | 61.0920% | 4,402 |
| Assets per employee ($millions) | 3.7382% | 4,414 |
| Cash dividends to net income (ytd only)* | 40.0743% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,822 |
| Loan loss allowance to noncurrent loans | 59.4392% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.8313% | 794 |
| Noncurrent loans to loans | 2.1031% | 833 |
| Net loans and leases to total assets | 85.1862% | 285 |
| Net loans and leases to deposits | 105.5775% | 365 |
| Net loans and leases to core deposits | 107.6690% | 1,040 |
| Total domestic deposits to total assets | 80.6860% | 4,415 |
| Equity capital to assets | 10.3069% | 3,377 |
| Core capital (leverage) ratio | 10.3310% | 3,072 |
| Tier 1 risk-based capital ratio | 14.1228% | 3,397 |
| Total risk-based capital ratio | 15.3754% | 3,318 |
| Memoranda: | ||
| Average total assets | $224,756,200 | 2,715 |
| Average earning assets | $211,605,200 | 2,685 |
| Average equity | $22,436,200 | 2,949 |
| Average total loans | $190,950,400 | 2,199 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5798% | 1,334 |
| Cost of funding earning assets | 0.5101% | 2,016 |
| Net interest margin | 4.0697% | 1,475 |
| Noninterest income to average assets | 0.5376% | 2,993 |
| Noninterest expense to average assets | 2.7370% | 3,231 |
| Loan and lease loss provision to assets | 0.0691% | 2,841 |
| Net operating income to assets | 1.5653% | 775 |
| Return on assets (ROA) | 1.5653% | 814 |
| Pretax return on assets | 1.5653% | 1,480 |
| Return on Equity (ROE) | 15.8111% | 565 |
| Retained earnings to average equity (ytd only) | 6.7900% | 1,729 |
| Net charge-offs to loans | -0.0014% | 4,455 |
| Credit loss provision to net charge-offs | -5,800.0000% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6124% | 4,124 |
| Assets per employee ($millions) | 3.9328% | 4,076 |
| Cash dividends to net income (ytd only)* | 57.0558% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,961 |
| Loan loss allowance to noncurrent loans | 66.2769% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.6291% | 1,066 |
| Noncurrent loans to loans | 1.8855% | 1,070 |
| Net loans and leases to total assets | 84.4247% | 373 |
| Net loans and leases to deposits | 104.0203% | 453 |
| Net loans and leases to core deposits | 106.3667% | 1,158 |
| Total domestic deposits to total assets | 81.1617% | 4,206 |
| Equity capital to assets | 9.9774% | 4,148 |
| Core capital (leverage) ratio | 9.9309% | 3,657 |
| Tier 1 risk-based capital ratio | 13.6685% | 3,762 |
| Total risk-based capital ratio | 14.9212% | 3,674 |
| Memoranda: | ||
| Average total assets | $223,937,500 | 2,729 |
| Average earning assets | $210,951,250 | 2,695 |
| Average equity | $22,169,500 | 2,995 |
| Average total loans | $189,510,500 | 2,215 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,293 |
| Cost of funding earning assets | 0.5216% | 1,928 |
| Net interest margin | 4.0660% | 1,457 |
| Noninterest income to average assets | 0.5230% | 3,048 |
| Noninterest expense to average assets | 2.7257% | 3,289 |
| Loan and lease loss provision to assets | 0.0485% | 3,179 |
| Net operating income to assets | 1.5808% | 755 |
| Return on assets (ROA) | 1.5808% | 799 |
| Pretax return on assets | 1.5808% | 1,422 |
| Return on Equity (ROE) | 16.0106% | 544 |
| Retained earnings to average equity (ytd only) | 7.8187% | 1,236 |
| Net charge-offs to loans | -0.0021% | 4,379 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5877% | 4,253 |
| Assets per employee ($millions) | 3.8638% | 4,145 |
| Cash dividends to net income (ytd only)* | 51.1654% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 3,072 |
| Loan loss allowance to noncurrent loans | 63.6047% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.8840% | 893 |
| Noncurrent loans to loans | 1.9653% | 1,013 |
| Net loans and leases to total assets | 83.7195% | 446 |
| Net loans and leases to deposits | 100.4395% | 660 |
| Net loans and leases to core deposits | 102.6767% | 1,420 |
| Total domestic deposits to total assets | 83.3531% | 3,521 |
| Equity capital to assets | 10.0459% | 4,167 |
| Core capital (leverage) ratio | 9.9584% | 3,608 |
| Tier 1 risk-based capital ratio | 13.6329% | 3,814 |
| Total risk-based capital ratio | 14.8859% | 3,730 |
| Memoranda: | ||
| Average total assets | $222,548,330 | 2,752 |
| Average earning assets | $209,741,330 | 2,711 |
| Average equity | $21,973,000 | 3,017 |
| Average total loans | $187,676,000 | 2,238 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 1,148 |
| Cost of funding earning assets | 0.5285% | 1,877 |
| Net interest margin | 4.1227% | 1,282 |
| Noninterest income to average assets | 0.6078% | 2,481 |
| Noninterest expense to average assets | 2.7686% | 3,190 |
| Loan and lease loss provision to assets | 0.0090% | 3,570 |
| Net operating income to assets | 1.7135% | 558 |
| Return on assets (ROA) | 1.7135% | 598 |
| Pretax return on assets | 1.7135% | 1,042 |
| Return on Equity (ROE) | 17.5091% | 395 |
| Retained earnings to average equity (ytd only) | 10.1368% | 823 |
| Net charge-offs to loans | -0.0686% | 5,481 |
| Credit loss provision to net charge-offs | -15.6250% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6466% | 4,498 |
| Assets per employee ($millions) | 3.9571% | 4,028 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 3,118 |
| Loan loss allowance to noncurrent loans | 72.8735% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.7256% | 1,105 |
| Noncurrent loans to loans | 1.7293% | 1,296 |
| Net loans and leases to total assets | 83.3013% | 428 |
| Net loans and leases to deposits | 100.7389% | 583 |
| Net loans and leases to core deposits | 103.1787% | 1,249 |
| Total domestic deposits to total assets | 82.6903% | 4,009 |
| Equity capital to assets | 9.9572% | 4,135 |
| Core capital (leverage) ratio | 9.8325% | 3,738 |
| Tier 1 risk-based capital ratio | 13.6991% | 3,866 |
| Total risk-based capital ratio | 14.9522% | 3,798 |
| Memoranda: | ||
| Average total assets | $221,771,500 | 2,766 |
| Average earning assets | $208,894,500 | 2,732 |
| Average equity | $21,703,000 | 3,049 |
| Average total loans | $186,518,000 | 2,244 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 1,483 |
| Cost of funding earning assets | 0.5537% | 1,730 |
| Net interest margin | 3.9869% | 1,762 |
| Noninterest income to average assets | 0.4875% | 3,413 |
| Noninterest expense to average assets | 2.8219% | 3,142 |
| Loan and lease loss provision to assets | -0.0438% | 5,727 |
| Net operating income to assets | 1.4672% | 921 |
| Return on assets (ROA) | 1.4672% | 950 |
| Pretax return on assets | 1.4672% | 1,660 |
| Return on Equity (ROE) | 15.1001% | 670 |
| Retained earnings to average equity (ytd only) | 8.3329% | 816 |
| Net charge-offs to loans | 0.0578% | 3,062 |
| Credit loss provision to net charge-offs | -93.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | 30.2200% | 1,451 |
| Efficiency ratio | 66.4707% | 3,833 |
| Assets per employee ($millions) | 3.8938% | 4,125 |
| Cash dividends to net income (ytd only)* | 44.8154% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 3,198 |
| Loan loss allowance to noncurrent loans | 63.5342% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8793% | 978 |
| Noncurrent loans to loans | 1.9615% | 1,076 |
| Net loans and leases to total assets | 82.7984% | 509 |
| Net loans and leases to deposits | 99.8549% | 684 |
| Net loans and leases to core deposits | 102.2200% | 1,347 |
| Total domestic deposits to total assets | 82.9187% | 3,863 |
| Equity capital to assets | 9.6154% | 4,421 |
| Core capital (leverage) ratio | 9.6863% | 3,928 |
| Tier 1 risk-based capital ratio | 13.3316% | 4,088 |
| Total risk-based capital ratio | 14.5839% | 4,034 |
| Memoranda: | ||
| Average total assets | $212,307,000 | 2,818 |
| Average earning assets | $200,105,800 | 2,777 |
| Average equity | $20,629,000 | 3,111 |
| Average total loans | $173,079,200 | 2,315 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,589 |
| Cost of funding earning assets | 0.5580% | 1,736 |
| Net interest margin | 3.9437% | 1,889 |
| Noninterest income to average assets | 0.5431% | 3,089 |
| Noninterest expense to average assets | 2.7835% | 3,259 |
| Loan and lease loss provision to assets | 0.1169% | 1,942 |
| Net operating income to assets | 1.3644% | 1,195 |
| Return on assets (ROA) | 1.3644% | 1,245 |
| Pretax return on assets | 1.3644% | 2,160 |
| Return on Equity (ROE) | 14.0039% | 906 |
| Retained earnings to average equity (ytd only) | 8.1624% | 1,186 |
| Net charge-offs to loans | 0.0212% | 3,511 |
| Credit loss provision to net charge-offs | 681.4815% | 500 |
| Earnings coverage of net charge-offs (x) | 86.3683% | 709 |
| Efficiency ratio | 65.2666% | 4,022 |
| Assets per employee ($millions) | 3.7930% | 4,278 |
| Cash dividends to net income (ytd only)* | 41.7133% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 2,223 |
| Loan loss allowance to noncurrent loans | 64.4912% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2114% | 855 |
| Noncurrent loans to loans | 2.3008% | 930 |
| Net loans and leases to total assets | 81.9320% | 584 |
| Net loans and leases to deposits | 98.3603% | 790 |
| Net loans and leases to core deposits | 100.8718% | 1,448 |
| Total domestic deposits to total assets | 83.2979% | 3,699 |
| Equity capital to assets | 9.7447% | 4,462 |
| Core capital (leverage) ratio | 9.7394% | 3,980 |
| Tier 1 risk-based capital ratio | 13.3901% | 4,202 |
| Total risk-based capital ratio | 14.6459% | 4,123 |
| Memoranda: | ||
| Average total assets | $209,897,500 | 2,866 |
| Average earning assets | $198,082,000 | 2,824 |
| Average equity | $20,451,000 | 3,159 |
| Average total loans | $169,827,500 | 2,367 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 1,758 |
| Cost of funding earning assets | 0.5741% | 1,614 |
| Net interest margin | 3.8538% | 2,128 |
| Noninterest income to average assets | 0.4957% | 3,406 |
| Noninterest expense to average assets | 2.7604% | 3,378 |
| Loan and lease loss provision to assets | 0.1742% | 1,195 |
| Net operating income to assets | 1.1983% | 1,604 |
| Return on assets (ROA) | 1.1983% | 1,681 |
| Pretax return on assets | 1.1983% | 2,781 |
| Return on Equity (ROE) | 12.2991% | 1,282 |
| Retained earnings to average equity (ytd only) | 8.0315% | 1,256 |
| Net charge-offs to loans | 0.0048% | 3,734 |
| Credit loss provision to net charge-offs | 4,525.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 356.5000% | 194 |
| Efficiency ratio | 66.7909% | 3,868 |
| Assets per employee ($millions) | 3.5783% | 4,660 |
| Cash dividends to net income (ytd only)* | 34.6988% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 2,069 |
| Loan loss allowance to noncurrent loans | 56.9342% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 2.5421% | 734 |
| Noncurrent loans to loans | 2.7309% | 783 |
| Net loans and leases to total assets | 80.6457% | 720 |
| Net loans and leases to deposits | 95.4688% | 1,006 |
| Net loans and leases to core deposits | 97.9170% | 1,661 |
| Total domestic deposits to total assets | 84.4734% | 3,364 |
| Equity capital to assets | 9.6916% | 4,412 |
| Core capital (leverage) ratio | 9.7666% | 3,920 |
| Tier 1 risk-based capital ratio | 13.5900% | 4,165 |
| Total risk-based capital ratio | 14.8466% | 4,093 |
| Memoranda: | ||
| Average total assets | $207,796,670 | 2,916 |
| Average earning assets | $196,117,000 | 2,859 |
| Average equity | $20,245,330 | 3,191 |
| Average total loans | $166,501,670 | 2,410 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 1,960 |
| Cost of funding earning assets | 0.6070% | 1,383 |
| Net interest margin | 3.7365% | 2,484 |
| Noninterest income to average assets | 0.5686% | 2,844 |
| Noninterest expense to average assets | 2.7885% | 3,288 |
| Loan and lease loss provision to assets | 0.3338% | 405 |
| Net operating income to assets | 0.9702% | 2,391 |
| Return on assets (ROA) | 0.9702% | 2,527 |
| Pretax return on assets | 0.9702% | 3,605 |
| Return on Equity (ROE) | 9.9317% | 2,036 |
| Retained earnings to average equity (ytd only) | 9.9317% | 944 |
| Net charge-offs to loans | 0.0490% | 2,299 |
| Credit loss provision to net charge-offs | 860.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,079 |
| Efficiency ratio | 68.1366% | 3,803 |
| Assets per employee ($millions) | 3.5490% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 2,013 |
| Loan loss allowance to noncurrent loans | 54.2456% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.7716% | 719 |
| Noncurrent loans to loans | 2.9713% | 739 |
| Net loans and leases to total assets | 79.0013% | 790 |
| Net loans and leases to deposits | 89.2318% | 1,475 |
| Net loans and leases to core deposits | 91.0734% | 2,024 |
| Total domestic deposits to total assets | 88.5348% | 1,530 |
| Equity capital to assets | 9.9392% | 4,214 |
| Core capital (leverage) ratio | 9.8090% | 3,877 |
| Tier 1 risk-based capital ratio | 14.1736% | 3,897 |
| Total risk-based capital ratio | 15.4309% | 3,822 |
| Memoranda: | ||
| Average total assets | $206,134,500 | 2,948 |
| Average earning assets | $194,404,500 | 2,900 |
| Average equity | $20,137,500 | 3,225 |
| Average total loans | $163,278,000 | 2,453 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 2,370 |
| Cost of funding earning assets | 0.7643% | 787 |
| Net interest margin | 3.5951% | 3,429 |
| Noninterest income to average assets | 0.6875% | 2,359 |
| Noninterest expense to average assets | 2.8399% | 3,339 |
| Loan and lease loss provision to assets | 0.2455% | 938 |
| Net operating income to assets | 0.9861% | 2,450 |
| Return on assets (ROA) | 0.9861% | 2,529 |
| Pretax return on assets | 0.9861% | 3,558 |
| Return on Equity (ROE) | 10.6256% | 1,848 |
| Retained earnings to average equity (ytd only) | 6.4822% | 1,654 |
| Net charge-offs to loans | 0.5211% | 783 |
| Credit loss provision to net charge-offs | 61.6523% | 3,255 |
| Earnings coverage of net charge-offs (x) | 3.0925% | 3,978 |
| Efficiency ratio | 69.7503% | 3,571 |
| Assets per employee ($millions) | 3.4988% | 4,905 |
| Cash dividends to net income (ytd only)* | 38.9940% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 2,236 |
| Loan loss allowance to noncurrent loans | 49.7229% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.8320% | 752 |
| Noncurrent loans to loans | 3.1325% | 706 |
| Net loans and leases to total assets | 76.9096% | 1,141 |
| Net loans and leases to deposits | 87.7575% | 1,763 |
| Net loans and leases to core deposits | 90.0272% | 2,279 |
| Total domestic deposits to total assets | 87.6388% | 1,964 |
| Equity capital to assets | 9.5995% | 4,589 |
| Core capital (leverage) ratio | 9.6049% | 4,090 |
| Tier 1 risk-based capital ratio | 13.7134% | 4,288 |
| Total risk-based capital ratio | 14.9696% | 4,219 |
| Memoranda: | ||
| Average total assets | $203,633,200 | 2,949 |
| Average earning assets | $191,675,000 | 2,892 |
| Average equity | $18,897,800 | 3,300 |
| Average total loans | $155,630,000 | 2,488 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,565 |
| Cost of funding earning assets | 0.7872% | 739 |
| Net interest margin | 3.5271% | 3,730 |
| Noninterest income to average assets | 0.7069% | 2,292 |
| Noninterest expense to average assets | 2.8698% | 3,231 |
| Loan and lease loss provision to assets | 0.2181% | 1,051 |
| Net operating income to assets | 0.9395% | 2,735 |
| Return on assets (ROA) | 0.9395% | 2,821 |
| Pretax return on assets | 0.9395% | 3,828 |
| Return on Equity (ROE) | 10.2132% | 2,110 |
| Retained earnings to average equity (ytd only) | 4.6209% | 3,345 |
| Net charge-offs to loans | 0.6424% | 558 |
| Credit loss provision to net charge-offs | 44.6837% | 3,206 |
| Earnings coverage of net charge-offs (x) | 2.3715% | 3,932 |
| Efficiency ratio | 71.2561% | 3,302 |
| Assets per employee ($millions) | 3.4072% | 5,035 |
| Cash dividends to net income (ytd only)* | 54.7550% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 2,411 |
| Loan loss allowance to noncurrent loans | 49.8348% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 3.0524% | 764 |
| Noncurrent loans to loans | 3.1544% | 811 |
| Net loans and leases to total assets | 75.1584% | 1,339 |
| Net loans and leases to deposits | 83.4120% | 2,236 |
| Net loans and leases to core deposits | 85.4674% | 2,719 |
| Total domestic deposits to total assets | 90.1051% | 683 |
| Equity capital to assets | 9.4751% | 4,825 |
| Core capital (leverage) ratio | 9.3296% | 4,600 |
| Tier 1 risk-based capital ratio | 14.0990% | 4,146 |
| Total risk-based capital ratio | 15.3554% | 4,076 |
| Memoranda: | ||
| Average total assets | $202,934,500 | 2,980 |
| Average earning assets | $191,048,250 | 2,924 |
| Average equity | $18,668,250 | 3,341 |
| Average total loans | $154,218,750 | 2,511 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 2,738 |
| Cost of funding earning assets | 0.7989% | 709 |
| Net interest margin | 3.4607% | 3,934 |
| Noninterest income to average assets | 0.6681% | 2,438 |
| Noninterest expense to average assets | 2.7450% | 3,715 |
| Loan and lease loss provision to assets | 0.3262% | 573 |
| Net operating income to assets | 0.8567% | 3,034 |
| Return on assets (ROA) | 0.8567% | 3,134 |
| Pretax return on assets | 0.8567% | 4,053 |
| Return on Equity (ROE) | 9.4057% | 2,415 |
| Retained earnings to average equity (ytd only) | 5.1666% | 2,853 |
| Net charge-offs to loans | 0.3794% | 1,071 |
| Credit loss provision to net charge-offs | 113.3106% | 1,781 |
| Earnings coverage of net charge-offs (x) | 4.1092% | 3,172 |
| Efficiency ratio | 69.8849% | 3,674 |
| Assets per employee ($millions) | 3.3142% | 5,231 |
| Cash dividends to net income (ytd only)* | 45.0688% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 1,761 |
| Loan loss allowance to noncurrent loans | 45.7056% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 3.7059% | 611 |
| Noncurrent loans to loans | 4.0036% | 590 |
| Net loans and leases to total assets | 75.9762% | 1,173 |
| Net loans and leases to deposits | 84.0836% | 2,031 |
| Net loans and leases to core deposits | 86.3725% | 2,479 |
| Total domestic deposits to total assets | 90.3579% | 637 |
| Equity capital to assets | 9.3765% | 4,866 |
| Core capital (leverage) ratio | 9.1696% | 4,788 |
| Tier 1 risk-based capital ratio | 13.9497% | 4,285 |
| Total risk-based capital ratio | 15.2107% | 4,224 |
| Memoranda: | ||
| Average total assets | $203,572,000 | 2,988 |
| Average earning assets | $191,752,000 | 2,923 |
| Average equity | $18,542,000 | 3,355 |
| Average total loans | $154,459,000 | 2,511 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,738 |
| Cost of funding earning assets | 0.8201% | 670 |
| Net interest margin | 3.4157% | 4,052 |
| Noninterest income to average assets | 0.5992% | 2,739 |
| Noninterest expense to average assets | 2.7766% | 3,650 |
| Loan and lease loss provision to assets | 0.3270% | 554 |
| Net operating income to assets | 0.7088% | 3,641 |
| Return on assets (ROA) | 0.7088% | 3,722 |
| Pretax return on assets | 0.7088% | 4,462 |
| Return on Equity (ROE) | 7.8975% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.8975% | 1,635 |
| Net charge-offs to loans | 0.5109% | 723 |
| Credit loss provision to net charge-offs | 85.2041% | 1,847 |
| Earnings coverage of net charge-offs (x) | 2.6990% | 2,817 |
| Efficiency ratio | 72.8300% | 3,335 |
| Assets per employee ($millions) | 3.5194% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 1,983 |
| Loan loss allowance to noncurrent loans | 47.5980% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 3.5194% | 738 |
| Noncurrent loans to loans | 3.8195% | 731 |
| Net loans and leases to total assets | 73.9209% | 1,280 |
| Net loans and leases to deposits | 81.5795% | 2,089 |
| Net loans and leases to core deposits | 83.8759% | 2,530 |
| Total domestic deposits to total assets | 90.6121% | 732 |
| Equity capital to assets | 9.1072% | 4,992 |
| Core capital (leverage) ratio | 9.2065% | 4,714 |
| Tier 1 risk-based capital ratio | 14.2804% | 4,145 |
| Total risk-based capital ratio | 15.5418% | 4,085 |
| Memoranda: | ||
| Average total assets | $204,275,000 | 3,011 |
| Average earning assets | $192,171,500 | 2,947 |
| Average equity | $18,335,000 | 3,376 |
| Average total loans | $153,458,000 | 2,542 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 2,162 |
| Cost of funding earning assets | 0.9352% | 622 |
| Net interest margin | 3.5767% | 3,568 |
| Noninterest income to average assets | 0.4675% | 3,979 |
| Noninterest expense to average assets | 2.7286% | 3,995 |
| Loan and lease loss provision to assets | 0.4032% | 737 |
| Net operating income to assets | 0.6885% | 3,850 |
| Return on assets (ROA) | 0.6885% | 3,946 |
| Pretax return on assets | 0.6885% | 4,587 |
| Return on Equity (ROE) | 7.7460% | 3,171 |
| Retained earnings to average equity (ytd only) | 3.0111% | 4,094 |
| Net charge-offs to loans | 0.3867% | 1,747 |
| Credit loss provision to net charge-offs | 138.2155% | 1,690 |
| Earnings coverage of net charge-offs (x) | 3.7424% | 3,759 |
| Efficiency ratio | 71.4231% | 3,585 |
| Assets per employee ($millions) | 3.8571% | 4,146 |
| Cash dividends to net income (ytd only)* | 61.1270% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 1,940 |
| Loan loss allowance to noncurrent loans | 49.4223% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 3.4370% | 866 |
| Noncurrent loans to loans | 3.7277% | 805 |
| Net loans and leases to total assets | 73.5761% | 1,424 |
| Net loans and leases to deposits | 80.9437% | 2,328 |
| Net loans and leases to core deposits | 83.3119% | 2,743 |
| Total domestic deposits to total assets | 90.8979% | 613 |
| Equity capital to assets | 8.8443% | 5,207 |
| Core capital (leverage) ratio | 8.9726% | 5,048 |
| Tier 1 risk-based capital ratio | 14.1393% | 4,200 |
| Total risk-based capital ratio | 15.4014% | 4,142 |
| Memoranda: | ||
| Average total assets | $203,618,600 | 2,993 |
| Average earning assets | $190,875,000 | 2,944 |
| Average equity | $18,099,600 | 3,402 |
| Average total loans | $153,600,600 | 2,510 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 2,015 |
| Cost of funding earning assets | 0.9482% | 652 |
| Net interest margin | 3.6091% | 3,405 |
| Noninterest income to average assets | 0.4496% | 4,160 |
| Noninterest expense to average assets | 2.7431% | 3,855 |
| Loan and lease loss provision to assets | 0.2622% | 1,346 |
| Net operating income to assets | 0.8272% | 3,216 |
| Return on assets (ROA) | 0.8272% | 3,332 |
| Pretax return on assets | 0.8272% | 4,196 |
| Return on Equity (ROE) | 9.2939% | 2,496 |
| Retained earnings to average equity (ytd only) | 2.9826% | 4,543 |
| Net charge-offs to loans | 0.2160% | 2,531 |
| Credit loss provision to net charge-offs | 160.6426% | 1,470 |
| Earnings coverage of net charge-offs (x) | 6.6747% | 2,926 |
| Efficiency ratio | 71.5752% | 3,491 |
| Assets per employee ($millions) | 3.4396% | 4,973 |
| Cash dividends to net income (ytd only)* | 67.9084% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 2,377 |
| Loan loss allowance to noncurrent loans | 39.9419% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.9801% | 785 |
| Noncurrent loans to loans | 4.4499% | 737 |
| Net loans and leases to total assets | 74.8337% | 1,152 |
| Net loans and leases to deposits | 82.4048% | 2,088 |
| Net loans and leases to core deposits | 84.8207% | 2,564 |
| Total domestic deposits to total assets | 90.8123% | 608 |
| Equity capital to assets | 8.8994% | 5,303 |
| Core capital (leverage) ratio | 8.9480% | 5,209 |
| Tier 1 risk-based capital ratio | 13.5230% | 4,739 |
| Total risk-based capital ratio | 14.7825% | 4,695 |
| Memoranda: | ||
| Average total assets | $203,417,000 | 3,019 |
| Average earning assets | $190,661,750 | 2,964 |
| Average equity | $18,104,500 | 3,439 |
| Average total loans | $153,693,000 | 2,515 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 1,804 |
| Cost of funding earning assets | 0.9583% | 687 |
| Net interest margin | 3.6554% | 3,154 |
| Noninterest income to average assets | 0.3389% | 4,965 |
| Noninterest expense to average assets | 2.7203% | 3,960 |
| Loan and lease loss provision to assets | 0.3773% | 860 |
| Net operating income to assets | 0.6592% | 4,024 |
| Return on assets (ROA) | 0.6592% | 4,177 |
| Pretax return on assets | 0.6592% | 4,819 |
| Return on Equity (ROE) | 7.4065% | 3,392 |
| Retained earnings to average equity (ytd only) | 2.1965% | 4,879 |
| Net charge-offs to loans | 0.1434% | 2,951 |
| Credit loss provision to net charge-offs | 349.0909% | 750 |
| Earnings coverage of net charge-offs (x) | 9.5909% | 2,260 |
| Efficiency ratio | 72.4111% | 3,400 |
| Assets per employee ($millions) | 3.5103% | 4,824 |
| Cash dividends to net income (ytd only)* | 70.3428% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 2,318 |
| Loan loss allowance to noncurrent loans | 46.9491% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 3.6444% | 1,025 |
| Noncurrent loans to loans | 3.9072% | 1,013 |
| Net loans and leases to total assets | 75.4350% | 1,049 |
| Net loans and leases to deposits | 82.9105% | 1,938 |
| Net loans and leases to core deposits | 85.3222% | 2,404 |
| Total domestic deposits to total assets | 90.9837% | 549 |
| Equity capital to assets | 8.7387% | 5,501 |
| Core capital (leverage) ratio | 8.8003% | 5,288 |
| Tier 1 risk-based capital ratio | 13.2014% | 4,994 |
| Total risk-based capital ratio | 14.4620% | 4,922 |
| Memoranda: | ||
| Average total assets | $203,578,000 | 3,031 |
| Average earning assets | $190,346,670 | 2,986 |
| Average equity | $18,119,330 | 3,461 |
| Average total loans | $153,387,000 | 2,528 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,794 |
| Cost of funding earning assets | 0.9775% | 684 |
| Net interest margin | 3.6345% | 3,124 |
| Noninterest income to average assets | 0.6406% | 2,928 |
| Noninterest expense to average assets | 2.8885% | 3,388 |
| Loan and lease loss provision to assets | 0.2830% | 1,247 |
| Net operating income to assets | 0.8665% | 2,830 |
| Return on assets (ROA) | 0.8665% | 2,970 |
| Pretax return on assets | 0.8665% | 3,889 |
| Return on Equity (ROE) | 9.6483% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.6483% | 1,201 |
| Net charge-offs to loans | 0.1475% | 2,520 |
| Credit loss provision to net charge-offs | 257.1429% | 904 |
| Earnings coverage of net charge-offs (x) | 10.4464% | 1,740 |
| Efficiency ratio | 71.5328% | 3,700 |
| Assets per employee ($millions) | 3.3460% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 2,814 |
| Loan loss allowance to noncurrent loans | 46.7677% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 3.6133% | 1,157 |
| Noncurrent loans to loans | 3.7342% | 1,251 |
| Net loans and leases to total assets | 73.9823% | 1,079 |
| Net loans and leases to deposits | 81.5871% | 1,883 |
| Net loans and leases to core deposits | 84.1397% | 2,307 |
| Total domestic deposits to total assets | 90.6789% | 681 |
| Equity capital to assets | 9.0325% | 5,442 |
| Core capital (leverage) ratio | 8.9501% | 4,970 |
| Tier 1 risk-based capital ratio | 13.6671% | 4,747 |
| Total risk-based capital ratio | 14.9300% | 4,704 |
| Memoranda: | ||
| Average total assets | $203,567,500 | 3,062 |
| Average earning assets | $190,290,000 | 3,009 |
| Average equity | $18,283,000 | 3,484 |
| Average total loans | $151,853,000 | 2,558 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 1,661 |
| Cost of funding earning assets | 1.1599% | 701 |
| Net interest margin | 3.8007% | 3,223 |
| Noninterest income to average assets | 0.5278% | 3,726 |
| Noninterest expense to average assets | 2.6739% | 4,498 |
| Loan and lease loss provision to assets | 0.9446% | 453 |
| Net operating income to assets | 0.4681% | 4,807 |
| Return on assets (ROA) | 0.4681% | 5,062 |
| Pretax return on assets | 0.4681% | 5,376 |
| Return on Equity (ROE) | 5.4549% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.4549% | 2,409 |
| Net charge-offs to loans | 1.1906% | 849 |
| Credit loss provision to net charge-offs | 101.6454% | 2,976 |
| Earnings coverage of net charge-offs (x) | 1.5202% | 4,682 |
| Efficiency ratio | 65.4315% | 4,616 |
| Assets per employee ($millions) | 3.1235% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,813 |
| Loan loss allowance to noncurrent loans | 47.0812% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 3.5286% | 1,278 |
| Noncurrent loans to loans | 3.6769% | 1,321 |
| Net loans and leases to total assets | 72.6117% | 1,402 |
| Net loans and leases to deposits | 79.9946% | 2,279 |
| Net loans and leases to core deposits | 82.7581% | 2,689 |
| Total domestic deposits to total assets | 90.7707% | 582 |
| Equity capital to assets | 8.9298% | 5,604 |
| Core capital (leverage) ratio | 8.7362% | 5,269 |
| Tier 1 risk-based capital ratio | 13.6816% | 4,615 |
| Total risk-based capital ratio | 14.9481% | 4,553 |
| Memoranda: | ||
| Average total assets | $202,737,000 | 3,013 |
| Average earning assets | $189,835,800 | 2,960 |
| Average equity | $17,397,200 | 3,559 |
| Average total loans | $158,237,800 | 2,455 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 1,452 |
| Cost of funding earning assets | 1.1955% | 709 |
| Net interest margin | 3.8954% | 2,925 |
| Noninterest income to average assets | 0.4862% | 4,016 |
| Noninterest expense to average assets | 2.6750% | 4,476 |
| Loan and lease loss provision to assets | 1.1099% | 347 |
| Net operating income to assets | 0.3500% | 5,431 |
| Return on assets (ROA) | 0.3500% | 5,636 |
| Pretax return on assets | 0.3500% | 5,839 |
| Return on Equity (ROE) | 4.1206% | 5,246 |
| Retained earnings to average equity (ytd only) | 4.1206% | 4,003 |
| Net charge-offs to loans | 0.5307% | 2,018 |
| Credit loss provision to net charge-offs | 264.4201% | 1,042 |
| Earnings coverage of net charge-offs (x) | 3.4780% | 3,629 |
| Efficiency ratio | 64.6937% | 4,681 |
| Assets per employee ($millions) | 3.0773% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3478% | 1,437 |
| Loan loss allowance to noncurrent loans | 59.1616% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 3.7700% | 1,307 |
| Noncurrent loans to loans | 3.9684% | 1,302 |
| Net loans and leases to total assets | 73.9900% | 1,250 |
| Net loans and leases to deposits | 81.4751% | 2,188 |
| Net loans and leases to core deposits | 84.5668% | 2,635 |
| Total domestic deposits to total assets | 90.8130% | 467 |
| Equity capital to assets | 8.7965% | 6,021 |
| Core capital (leverage) ratio | 8.5037% | 5,749 |
| Tier 1 risk-based capital ratio | 13.3851% | 4,963 |
| Total risk-based capital ratio | 14.6609% | 4,899 |
| Memoranda: | ||
| Average total assets | $202,664,250 | 3,045 |
| Average earning assets | $189,825,250 | 2,993 |
| Average equity | $17,214,000 | 3,620 |
| Average total loans | $160,292,500 | 2,451 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 1,337 |
| Cost of funding earning assets | 1.2362% | 691 |
| Net interest margin | 3.9323% | 2,784 |
| Noninterest income to average assets | 0.4029% | 4,628 |
| Noninterest expense to average assets | 2.7010% | 4,422 |
| Loan and lease loss provision to assets | 1.2453% | 328 |
| Net operating income to assets | 0.1353% | 6,079 |
| Return on assets (ROA) | 0.1353% | 6,244 |
| Pretax return on assets | 0.1353% | 6,250 |
| Return on Equity (ROE) | 1.6121% | 6,163 |
| Retained earnings to average equity (ytd only) | 1.6121% | 5,402 |
| Net charge-offs to loans | 0.7573% | 1,452 |
| Credit loss provision to net charge-offs | 205.0407% | 1,391 |
| Earnings coverage of net charge-offs (x) | 2.2732% | 3,859 |
| Efficiency ratio | 66.1747% | 4,502 |
| Assets per employee ($millions) | 2.9162% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0325% | 2,145 |
| Loan loss allowance to noncurrent loans | 71.6102% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.9988% | 1,839 |
| Noncurrent loans to loans | 2.8383% | 2,111 |
| Net loans and leases to total assets | 76.9180% | 852 |
| Net loans and leases to deposits | 84.7031% | 1,758 |
| Net loans and leases to core deposits | 87.1528% | 2,296 |
| Total domestic deposits to total assets | 90.8089% | 522 |
| Equity capital to assets | 8.6061% | 6,117 |
| Core capital (leverage) ratio | 8.3763% | 5,823 |
| Tier 1 risk-based capital ratio | 12.6637% | 5,441 |
| Total risk-based capital ratio | 13.9347% | 5,408 |
| Memoranda: | ||
| Average total assets | $202,518,000 | 3,055 |
| Average earning assets | $189,456,330 | 3,003 |
| Average equity | $16,996,670 | 3,643 |
| Average total loans | $162,427,000 | 2,434 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2296% | 1,257 |
| Cost of funding earning assets | 1.2895% | 654 |
| Net interest margin | 3.9401% | 2,764 |
| Noninterest income to average assets | 0.5749% | 3,383 |
| Noninterest expense to average assets | 2.8016% | 4,024 |
| Loan and lease loss provision to assets | 1.9216% | 153 |
| Net operating income to assets | -0.4666% | 6,808 |
| Return on assets (ROA) | -0.4666% | 6,835 |
| Pretax return on assets | -0.4666% | 6,807 |
| Return on Equity (ROE) | -5.6306% | 6,871 |
| Retained earnings to average equity (ytd only) | -5.6306% | 6,630 |
| Net charge-offs to loans | 1.0908% | 945 |
| Credit loss provision to net charge-offs | 217.3719% | 1,268 |
| Earnings coverage of net charge-offs (x) | 1.6459% | 3,499 |
| Efficiency ratio | 65.8187% | 4,592 |
| Assets per employee ($millions) | 3.0669% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 2,667 |
| Loan loss allowance to noncurrent loans | 66.5662% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 3.3151% | 1,741 |
| Noncurrent loans to loans | 2.8571% | 2,259 |
| Net loans and leases to total assets | 77.6156% | 626 |
| Net loans and leases to deposits | 85.2492% | 1,505 |
| Net loans and leases to core deposits | 87.8875% | 2,066 |
| Total domestic deposits to total assets | 91.0454% | 536 |
| Equity capital to assets | 8.1861% | 6,370 |
| Core capital (leverage) ratio | 8.1910% | 6,038 |
| Tier 1 risk-based capital ratio | 12.1407% | 5,867 |
| Total risk-based capital ratio | 13.3971% | 5,844 |
| Memoranda: | ||
| Average total assets | $203,168,500 | 3,070 |
| Average earning assets | $189,841,500 | 3,017 |
| Average equity | $16,836,500 | 3,676 |
| Average total loans | $164,649,000 | 2,419 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 929 |
| Cost of funding earning assets | 1.5270% | 643 |
| Net interest margin | 4.0869% | 2,490 |
| Noninterest income to average assets | 0.5138% | 3,756 |
| Noninterest expense to average assets | 2.7214% | 4,662 |
| Loan and lease loss provision to assets | 1.4510% | 525 |
| Net operating income to assets | 0.1667% | 5,686 |
| Return on assets (ROA) | 0.1667% | 5,826 |
| Pretax return on assets | 0.1667% | 5,862 |
| Return on Equity (ROE) | 2.0635% | 5,634 |
| Retained earnings to average equity (ytd only) | -3.2698% | 6,309 |
| Net charge-offs to loans | 1.4574% | 1,111 |
| Credit loss provision to net charge-offs | 116.2441% | 2,790 |
| Earnings coverage of net charge-offs (x) | 1.2960% | 4,806 |
| Efficiency ratio | 62.7194% | 5,350 |
| Assets per employee ($millions) | 2.9978% | 6,087 |
| Cash dividends to net income (ytd only)* | 258.4570% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,833 |
| Loan loss allowance to noncurrent loans | 44.8035% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 3.5294% | 1,676 |
| Noncurrent loans to loans | 3.4339% | 1,875 |
| Net loans and leases to total assets | 81.7281% | 358 |
| Net loans and leases to deposits | 90.3400% | 1,123 |
| Net loans and leases to core deposits | 93.2042% | 1,777 |
| Total domestic deposits to total assets | 90.4673% | 739 |
| Equity capital to assets | 8.3901% | 6,258 |
| Core capital (leverage) ratio | 8.2720% | 5,892 |
| Tier 1 risk-based capital ratio | 11.9420% | 5,869 |
| Total risk-based capital ratio | 13.1832% | 5,849 |
| Memoranda: | ||
| Average total assets | $202,209,200 | 3,035 |
| Average earning assets | $189,264,800 | 2,975 |
| Average equity | $16,331,200 | 3,675 |
| Average total loans | $173,188,800 | 2,342 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6585% | 918 |
| Cost of funding earning assets | 1.5627% | 684 |
| Net interest margin | 4.0959% | 2,493 |
| Noninterest income to average assets | 0.5181% | 3,742 |
| Noninterest expense to average assets | 2.6765% | 4,817 |
| Loan and lease loss provision to assets | 1.6338% | 394 |
| Net operating income to assets | 0.0415% | 6,090 |
| Return on assets (ROA) | 0.0415% | 6,186 |
| Pretax return on assets | 0.0415% | 6,170 |
| Return on Equity (ROE) | 0.5185% | 6,170 |
| Retained earnings to average equity (ytd only) | -6.6414% | 6,680 |
| Net charge-offs to loans | 0.6971% | 2,168 |
| Credit loss provision to net charge-offs | 271.5536% | 1,055 |
| Earnings coverage of net charge-offs (x) | 2.7845% | 3,740 |
| Efficiency ratio | 61.5036% | 5,487 |
| Assets per employee ($millions) | 2.8801% | 6,351 |
| Cash dividends to net income (ytd only)* | 1,380.9167% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1788% | 1,905 |
| Loan loss allowance to noncurrent loans | 61.5677% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 3.8193% | 1,621 |
| Noncurrent loans to loans | 3.5389% | 1,942 |
| Net loans and leases to total assets | 84.1081% | 216 |
| Net loans and leases to deposits | 92.6669% | 950 |
| Net loans and leases to core deposits | 95.6104% | 1,645 |
| Total domestic deposits to total assets | 90.7639% | 528 |
| Equity capital to assets | 8.0828% | 6,645 |
| Core capital (leverage) ratio | 7.7371% | 6,606 |
| Tier 1 risk-based capital ratio | 10.7987% | 6,665 |
| Total risk-based capital ratio | 12.0711% | 6,631 |
| Memoranda: | ||
| Average total assets | $202,547,750 | 3,047 |
| Average earning assets | $189,584,750 | 2,980 |
| Average equity | $16,201,000 | 3,703 |
| Average total loans | $174,806,000 | 2,327 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7446% | 805 |
| Cost of funding earning assets | 1.5922% | 716 |
| Net interest margin | 4.1524% | 2,221 |
| Noninterest income to average assets | 0.5456% | 3,506 |
| Noninterest expense to average assets | 2.7662% | 4,561 |
| Loan and lease loss provision to assets | 1.9439% | 328 |
| Net operating income to assets | -0.2748% | 6,538 |
| Return on assets (ROA) | -0.2748% | 6,567 |
| Pretax return on assets | -0.2748% | 6,516 |
| Return on Equity (ROE) | -3.4468% | 6,616 |
| Retained earnings to average equity (ytd only) | -10.8574% | 6,910 |
| Net charge-offs to loans | 0.6700% | 2,159 |
| Credit loss provision to net charge-offs | 335.7627% | 907 |
| Earnings coverage of net charge-offs (x) | 2.8831% | 3,400 |
| Efficiency ratio | 62.3673% | 5,531 |
| Assets per employee ($millions) | 2.9139% | 6,274 |
| Cash dividends to net income (ytd only)* | -215.0000% | 7,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0424% | 2,253 |
| Loan loss allowance to noncurrent loans | 57.5743% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 3.9280% | 1,644 |
| Noncurrent loans to loans | 3.5474% | 1,994 |
| Net loans and leases to total assets | 83.3802% | 279 |
| Net loans and leases to deposits | 91.7251% | 1,089 |
| Net loans and leases to core deposits | 94.8036% | 1,816 |
| Total domestic deposits to total assets | 90.9022% | 539 |
| Equity capital to assets | 7.7314% | 6,845 |
| Core capital (leverage) ratio | 7.5917% | 6,680 |
| Tier 1 risk-based capital ratio | 10.6445% | 6,736 |
| Total risk-based capital ratio | 11.9155% | 6,715 |
| Memoranda: | ||
| Average total assets | $203,820,330 | 3,056 |
| Average earning assets | $190,926,330 | 2,981 |
| Average equity | $16,247,000 | 3,691 |
| Average total loans | $176,117,670 | 2,336 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6715% | 935 |
| Cost of funding earning assets | 1.6279% | 734 |
| Net interest margin | 4.0436% | 2,496 |
| Noninterest income to average assets | 0.5065% | 3,833 |
| Noninterest expense to average assets | 2.7623% | 4,594 |
| Loan and lease loss provision to assets | 0.9149% | 872 |
| Net operating income to assets | 0.6184% | 3,942 |
| Return on assets (ROA) | 0.6184% | 4,008 |
| Pretax return on assets | 0.6184% | 4,613 |
| Return on Equity (ROE) | 7.6431% | 3,074 |
| Retained earnings to average equity (ytd only) | 0.6309% | 5,580 |
| Net charge-offs to loans | 1.1456% | 1,207 |
| Credit loss provision to net charge-offs | 91.7323% | 2,915 |
| Earnings coverage of net charge-offs (x) | 1.5374% | 3,560 |
| Efficiency ratio | 64.3053% | 5,312 |
| Assets per employee ($millions) | 2.8773% | 6,398 |
| Cash dividends to net income (ytd only)* | 91.7460% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,589 |
| Loan loss allowance to noncurrent loans | 46.2971% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 3.2631% | 2,103 |
| Noncurrent loans to loans | 2.6119% | 2,887 |
| Net loans and leases to total assets | 84.5025% | 206 |
| Net loans and leases to deposits | 93.5703% | 867 |
| Net loans and leases to core deposits | 96.8661% | 1,604 |
| Total domestic deposits to total assets | 90.3091% | 959 |
| Equity capital to assets | 8.0730% | 6,419 |
| Core capital (leverage) ratio | 8.1374% | 6,074 |
| Tier 1 risk-based capital ratio | 11.0537% | 6,473 |
| Total risk-based capital ratio | 12.3119% | 6,443 |
| Memoranda: | ||
| Average total assets | $203,744,000 | 3,073 |
| Average earning assets | $190,918,000 | 2,995 |
| Average equity | $16,485,500 | 3,640 |
| Average total loans | $177,367,000 | 2,343 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 614 |
| Cost of funding earning assets | 1.8716% | 935 |
| Net interest margin | 4.2921% | 1,848 |
| Noninterest income to average assets | 0.5418% | 3,874 |
| Noninterest expense to average assets | 2.6750% | 5,104 |
| Loan and lease loss provision to assets | 0.8231% | 1,992 |
| Net operating income to assets | 1.0797% | 1,760 |
| Return on assets (ROA) | 1.0797% | 1,856 |
| Pretax return on assets | 1.0797% | 2,661 |
| Return on Equity (ROE) | 14.4056% | 816 |
| Retained earnings to average equity (ytd only) | 5.8704% | 1,897 |
| Net charge-offs to loans | 0.8972% | 2,396 |
| Credit loss provision to net charge-offs | 101.6484% | 4,459 |
| Earnings coverage of net charge-offs (x) | 2.3498% | 3,972 |
| Efficiency ratio | 58.4341% | 6,284 |
| Assets per employee ($millions) | 2.8620% | 6,415 |
| Cash dividends to net income (ytd only)* | 59.2491% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 5,525 |
| Loan loss allowance to noncurrent loans | 31.7847% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 3.5063% | 1,974 |
| Noncurrent loans to loans | 3.7668% | 1,968 |
| Net loans and leases to total assets | 87.5184% | 112 |
| Net loans and leases to deposits | 97.1474% | 773 |
| Net loans and leases to core deposits | 100.4564% | 1,578 |
| Total domestic deposits to total assets | 90.0882% | 1,040 |
| Equity capital to assets | 8.1096% | 6,374 |
| Core capital (leverage) ratio | 8.0675% | 6,078 |
| Tier 1 risk-based capital ratio | 10.7209% | 6,556 |
| Total risk-based capital ratio | 11.9788% | 6,516 |
| Memoranda: | ||
| Average total assets | $202,277,200 | 3,073 |
| Average earning assets | $190,211,400 | 3,002 |
| Average equity | $15,160,800 | 3,915 |
| Average total loans | $182,565,200 | 2,321 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2167% | 598 |
| Cost of funding earning assets | 1.8986% | 1,034 |
| Net interest margin | 4.3181% | 1,784 |
| Noninterest income to average assets | 0.5451% | 3,828 |
| Noninterest expense to average assets | 2.7359% | 4,739 |
| Loan and lease loss provision to assets | 0.6837% | 2,230 |
| Net operating income to assets | 1.1852% | 1,635 |
| Return on assets (ROA) | 1.1852% | 1,730 |
| Pretax return on assets | 1.1852% | 2,547 |
| Return on Equity (ROE) | 16.1457% | 686 |
| Retained earnings to average equity (ytd only) | 7.7852% | 1,494 |
| Net charge-offs to loans | 0.9628% | 2,075 |
| Credit loss provision to net charge-offs | 78.3069% | 5,189 |
| Earnings coverage of net charge-offs (x) | 2.1406% | 4,115 |
| Efficiency ratio | 59.4153% | 6,039 |
| Assets per employee ($millions) | 2.7271% | 6,726 |
| Cash dividends to net income (ytd only)* | 51.7817% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 6,338 |
| Loan loss allowance to noncurrent loans | 31.3255% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 3.1271% | 2,308 |
| Noncurrent loans to loans | 3.2340% | 2,451 |
| Net loans and leases to total assets | 87.9505% | 109 |
| Net loans and leases to deposits | 97.6474% | 823 |
| Net loans and leases to core deposits | 101.0777% | 1,740 |
| Total domestic deposits to total assets | 90.0695% | 846 |
| Equity capital to assets | 7.5406% | 7,102 |
| Core capital (leverage) ratio | 7.5749% | 6,787 |
| Tier 1 risk-based capital ratio | 9.9453% | 7,094 |
| Total risk-based capital ratio | 11.1355% | 7,112 |
| Memoranda: | ||
| Average total assets | $202,045,750 | 3,113 |
| Average earning assets | $189,956,250 | 3,045 |
| Average equity | $14,831,250 | 4,025 |
| Average total loans | $183,207,750 | 2,354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 569 |
| Cost of funding earning assets | 1.9421% | 1,069 |
| Net interest margin | 4.3043% | 1,758 |
| Noninterest income to average assets | 0.5536% | 3,684 |
| Noninterest expense to average assets | 2.7363% | 4,755 |
| Loan and lease loss provision to assets | 0.6500% | 2,215 |
| Net operating income to assets | 1.2096% | 1,532 |
| Return on assets (ROA) | 1.2096% | 1,602 |
| Pretax return on assets | 1.2096% | 2,384 |
| Return on Equity (ROE) | 16.6325% | 615 |
| Retained earnings to average equity (ytd only) | 5.1387% | 2,823 |
| Net charge-offs to loans | 0.9679% | 1,912 |
| Credit loss provision to net charge-offs | 73.5658% | 4,871 |
| Earnings coverage of net charge-offs (x) | 2.1046% | 3,973 |
| Efficiency ratio | 59.5372% | 6,135 |
| Assets per employee ($millions) | 2.7575% | 6,667 |
| Cash dividends to net income (ytd only)* | 69.1044% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,284 |
| Loan loss allowance to noncurrent loans | 34.4746% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 2.8385% | 2,541 |
| Noncurrent loans to loans | 2.9813% | 2,692 |
| Net loans and leases to total assets | 90.5569% | 55 |
| Net loans and leases to deposits | 100.7511% | 662 |
| Net loans and leases to core deposits | 103.3226% | 1,699 |
| Total domestic deposits to total assets | 89.8818% | 980 |
| Equity capital to assets | 7.4312% | 7,156 |
| Core capital (leverage) ratio | 7.3064% | 6,992 |
| Tier 1 risk-based capital ratio | 9.5957% | 7,224 |
| Total risk-based capital ratio | 10.8153% | 7,239 |
| Memoranda: | ||
| Average total assets | $201,217,000 | 3,150 |
| Average earning assets | $188,973,000 | 3,081 |
| Average equity | $14,634,000 | 4,066 |
| Average total loans | $183,701,000 | 2,379 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1329% | 733 |
| Cost of funding earning assets | 1.9920% | 1,116 |
| Net interest margin | 4.1409% | 2,263 |
| Noninterest income to average assets | 0.5269% | 3,839 |
| Noninterest expense to average assets | 2.7817% | 4,555 |
| Loan and lease loss provision to assets | 0.5050% | 2,472 |
| Net operating income to assets | 1.1214% | 1,758 |
| Return on assets (ROA) | 1.1214% | 1,842 |
| Pretax return on assets | 1.1214% | 2,667 |
| Return on Equity (ROE) | 15.5893% | 789 |
| Retained earnings to average equity (ytd only) | 5.1135% | 3,096 |
| Net charge-offs to loans | 0.9637% | 1,690 |
| Credit loss provision to net charge-offs | 57.4661% | 4,350 |
| Earnings coverage of net charge-offs (x) | 1.8507% | 3,626 |
| Efficiency ratio | 63.1033% | 5,645 |
| Assets per employee ($millions) | 2.9404% | 6,358 |
| Cash dividends to net income (ytd only)* | 67.1986% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 6,171 |
| Loan loss allowance to noncurrent loans | 35.4727% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 2.8311% | 2,560 |
| Noncurrent loans to loans | 2.9956% | 2,679 |
| Net loans and leases to total assets | 89.0293% | 96 |
| Net loans and leases to deposits | 99.2571% | 806 |
| Net loans and leases to core deposits | 101.7703% | 1,937 |
| Total domestic deposits to total assets | 89.6957% | 1,139 |
| Equity capital to assets | 7.2533% | 7,249 |
| Core capital (leverage) ratio | 7.3289% | 7,004 |
| Tier 1 risk-based capital ratio | 9.5400% | 7,287 |
| Total risk-based capital ratio | 10.7937% | 7,278 |
| Memoranda: | ||
| Average total assets | $201,175,500 | 3,206 |
| Average earning assets | $188,556,500 | 3,140 |
| Average equity | $14,471,500 | 4,132 |
| Average total loans | $183,459,500 | 2,448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7455% | 415 |
| Cost of funding earning assets | 2.4024% | 1,294 |
| Net interest margin | 4.3431% | 1,596 |
| Noninterest income to average assets | 0.6299% | 3,421 |
| Noninterest expense to average assets | 2.6260% | 5,689 |
| Loan and lease loss provision to assets | 0.9160% | 2,456 |
| Net operating income to assets | 1.1526% | 1,384 |
| Return on assets (ROA) | 1.1526% | 1,408 |
| Pretax return on assets | 1.1398% | 2,125 |
| Return on Equity (ROE) | 16.0599% | 549 |
| Retained earnings to average equity (ytd only) | 3.9153% | 2,471 |
| Net charge-offs to loans | 0.7775% | 2,879 |
| Credit loss provision to net charge-offs | 126.8931% | 4,098 |
| Earnings coverage of net charge-offs (x) | 2.8478% | 3,663 |
| Efficiency ratio | 56.0890% | 7,004 |
| Assets per employee ($millions) | 2.9333% | 6,378 |
| Cash dividends to net income (ytd only)* | 75.6206% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,621 |
| Loan loss allowance to noncurrent loans | 32.5333% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 3.4081% | 1,983 |
| Noncurrent loans to loans | 3.5481% | 2,140 |
| Net loans and leases to total assets | 91.3559% | 53 |
| Net loans and leases to deposits | 102.1137% | 748 |
| Net loans and leases to core deposits | 125.9133% | 1,520 |
| Total domestic deposits to total assets | 89.4648% | 1,230 |
| Equity capital to assets | 7.1326% | 7,304 |
| Core capital (leverage) ratio | 7.1175% | 7,143 |
| Tier 1 risk-based capital ratio | 9.2029% | 7,373 |
| Total risk-based capital ratio | 10.4606% | 7,370 |
| Memoranda: | ||
| Average total assets | $195,738,200 | 3,231 |
| Average earning assets | $182,609,600 | 3,188 |
| Average equity | $14,047,400 | 4,238 |
| Average total loans | $181,738,400 | 2,492 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7812% | 434 |
| Cost of funding earning assets | 2.4723% | 1,384 |
| Net interest margin | 4.3089% | 1,707 |
| Noninterest income to average assets | 0.6338% | 3,467 |
| Noninterest expense to average assets | 2.6918% | 5,363 |
| Loan and lease loss provision to assets | 0.6235% | 2,898 |
| Net operating income to assets | 1.3579% | 1,106 |
| Return on assets (ROA) | 1.3579% | 1,165 |
| Pretax return on assets | 1.3408% | 1,844 |
| Return on Equity (ROE) | 18.8914% | 367 |
| Retained earnings to average equity (ytd only) | 6.9319% | 1,534 |
| Net charge-offs to loans | 0.4720% | 3,338 |
| Credit loss provision to net charge-offs | 142.1217% | 3,450 |
| Earnings coverage of net charge-offs (x) | 4.4774% | 3,126 |
| Efficiency ratio | 57.8127% | 6,746 |
| Assets per employee ($millions) | 2.9005% | 6,402 |
| Cash dividends to net income (ytd only)* | 63.3062% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,788 |
| Loan loss allowance to noncurrent loans | 38.7555% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.8732% | 2,424 |
| Noncurrent loans to loans | 2.8138% | 2,694 |
| Net loans and leases to total assets | 92.8020% | 41 |
| Net loans and leases to deposits | 104.1433% | 764 |
| Net loans and leases to core deposits | 129.4618% | 1,468 |
| Total domestic deposits to total assets | 89.1099% | 1,149 |
| Equity capital to assets | 7.3116% | 7,419 |
| Core capital (leverage) ratio | 7.2792% | 7,204 |
| Tier 1 risk-based capital ratio | 9.2392% | 7,520 |
| Total risk-based capital ratio | 10.4426% | 7,541 |
| Memoranda: | ||
| Average total assets | $194,806,500 | 3,255 |
| Average earning assets | $181,851,250 | 3,216 |
| Average equity | $14,002,500 | 4,297 |
| Average total loans | $181,085,250 | 2,529 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8277% | 429 |
| Cost of funding earning assets | 2.5331% | 1,495 |
| Net interest margin | 4.2946% | 1,672 |
| Noninterest income to average assets | 0.6165% | 3,557 |
| Noninterest expense to average assets | 2.7279% | 5,266 |
| Loan and lease loss provision to assets | 0.3124% | 4,072 |
| Net operating income to assets | 1.6011% | 681 |
| Return on assets (ROA) | 1.6011% | 747 |
| Pretax return on assets | 1.5753% | 1,269 |
| Return on Equity (ROE) | 22.4050% | 217 |
| Retained earnings to average equity (ytd only) | 10.1854% | 693 |
| Net charge-offs to loans | 0.1457% | 4,725 |
| Credit loss provision to net charge-offs | 231.2977% | 1,997 |
| Earnings coverage of net charge-offs (x) | 13.9771% | 1,693 |
| Efficiency ratio | 59.1021% | 6,675 |
| Assets per employee ($millions) | 3.1009% | 5,865 |
| Cash dividends to net income (ytd only)* | 54.5396% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 5,934 |
| Loan loss allowance to noncurrent loans | 64.1926% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 3,951 |
| Noncurrent loans to loans | 1.6294% | 4,054 |
| Net loans and leases to total assets | 91.5311% | 69 |
| Net loans and leases to deposits | 102.8794% | 1,005 |
| Net loans and leases to core deposits | 125.8490% | 1,889 |
| Total domestic deposits to total assets | 88.9693% | 1,284 |
| Equity capital to assets | 7.1669% | 7,507 |
| Core capital (leverage) ratio | 7.2393% | 7,313 |
| Tier 1 risk-based capital ratio | 9.1645% | 7,612 |
| Total risk-based capital ratio | 10.4015% | 7,624 |
| Memoranda: | ||
| Average total assets | $193,997,330 | 3,291 |
| Average earning assets | $180,646,330 | 3,252 |
| Average equity | $13,863,000 | 4,338 |
| Average total loans | $179,762,000 | 2,577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8038% | 479 |
| Cost of funding earning assets | 2.5757% | 1,634 |
| Net interest margin | 4.2280% | 1,815 |
| Noninterest income to average assets | 0.5799% | 3,690 |
| Noninterest expense to average assets | 2.7992% | 4,563 |
| Loan and lease loss provision to assets | 0.3150% | 3,450 |
| Net operating income to assets | 1.4622% | 1,010 |
| Return on assets (ROA) | 1.4622% | 1,086 |
| Pretax return on assets | 1.4100% | 1,938 |
| Return on Equity (ROE) | 20.4926% | 392 |
| Retained earnings to average equity (ytd only) | 7.9807% | 1,824 |
| Net charge-offs to loans | 0.1597% | 3,687 |
| Credit loss provision to net charge-offs | 212.6761% | 2,120 |
| Earnings coverage of net charge-offs (x) | 11.6479% | 1,864 |
| Efficiency ratio | 61.8718% | 6,076 |
| Assets per employee ($millions) | 2.9966% | 6,161 |
| Cash dividends to net income (ytd only)* | 61.0556% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 6,049 |
| Loan loss allowance to noncurrent loans | 202.6608% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 6,098 |
| Noncurrent loans to loans | 0.5023% | 6,170 |
| Net loans and leases to total assets | 91.2500% | 87 |
| Net loans and leases to deposits | 102.8529% | 1,108 |
| Net loans and leases to core deposits | 126.9610% | 1,850 |
| Total domestic deposits to total assets | 88.7189% | 1,371 |
| Equity capital to assets | 7.0871% | 7,632 |
| Core capital (leverage) ratio | 7.1983% | 7,480 |
| Tier 1 risk-based capital ratio | 9.0854% | 7,740 |
| Total risk-based capital ratio | 10.2897% | 7,797 |
| Memoranda: | ||
| Average total assets | $191,768,500 | 3,337 |
| Average earning assets | $178,901,000 | 3,294 |
| Average equity | $13,683,000 | 4,405 |
| Average total loans | $177,859,000 | 2,620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4243% | 474 |
| Cost of funding earning assets | 2.7993% | 2,708 |
| Net interest margin | 4.6249% | 1,111 |
| Noninterest income to average assets | 0.6601% | 3,404 |
| Noninterest expense to average assets | 2.7315% | 5,126 |
| Loan and lease loss provision to assets | 0.2766% | 4,178 |
| Net operating income to assets | 1.2561% | 1,617 |
| Return on assets (ROA) | 1.2561% | 1,559 |
| Pretax return on assets | 1.9679% | 667 |
| Return on Equity (ROE) | 17.3232% | 594 |
| Retained earnings to average equity (ytd only) | 9.9333% | 460 |
| Net charge-offs to loans | 0.1711% | 4,495 |
| Credit loss provision to net charge-offs | 175.7143% | 2,891 |
| Earnings coverage of net charge-offs (x) | 14.2571% | 2,054 |
| Efficiency ratio | 54.8927% | 7,165 |
| Assets per employee ($millions) | 2.8173% | 6,521 |
| Cash dividends to net income (ytd only)* | 42.6589% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 6,126 |
| Loan loss allowance to noncurrent loans | 196.8468% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 5,814 |
| Noncurrent loans to loans | 0.5041% | 5,837 |
| Net loans and leases to total assets | 92.3967% | 70 |
| Net loans and leases to deposits | 109.5624% | 864 |
| Net loans and leases to core deposits | 135.0492% | 1,532 |
| Total domestic deposits to total assets | 84.3325% | 3,163 |
| Equity capital to assets | 7.1848% | 7,637 |
| Core capital (leverage) ratio | 7.2647% | 7,454 |
| Tier 1 risk-based capital ratio | 9.0837% | 7,729 |
| Total risk-based capital ratio | 10.2584% | 7,772 |
| Memoranda: | ||
| Average total assets | $177,853,200 | 3,435 |
| Average earning assets | $165,969,600 | 3,388 |
| Average equity | $12,896,000 | 4,604 |
| Average total loans | $163,601,800 | 2,721 |