Home > First Farmers & Commercial Bank > Performance and Condition Ratios
First Farmers & Commercial 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 | 5.3406% | 1,413 |
| Cost of funding earning assets | 1.9015% | 1,066 |
| Net interest margin | 3.4392% | 2,322 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.4926% | 2,316 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.6313% | 3,360 |
| Return on assets (ROA) | 0.6310% | 3,335 |
| Pretax return on assets | 0.8609% | 3,067 |
| Return on Equity (ROE) | 7.5400% | 3,145 |
| Retained earnings to average equity (ytd only) | 5.4738% | 2,415 |
| Net charge-offs to loans | 0.0531% | 1,339 |
| Credit loss provision to net charge-offs | 323.7500% | 908 |
| Earnings coverage of net charge-offs (x) | 25.6250% | 1,730 |
| Efficiency ratio | 71.6577% | 1,692 |
| Assets per employee ($millions) | 4.7959% | 3,777 |
| Cash dividends to net income (ytd only)* | 27.3628% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 896 |
| Loan loss allowance to noncurrent loans | 433.0373% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 1,890 |
| Noncurrent loans to loans | 0.3629% | 1,898 |
| Net loans and leases to total assets | 72.3700% | 1,536 |
| Net loans and leases to deposits | 79.6137% | 2,146 |
| Net loans and leases to core deposits | 91.0265% | 1,982 |
| Total domestic deposits to total assets | 90.9000% | 534 |
| Equity capital to assets | 8.5576% | 3,007 |
| Core capital (leverage) ratio | 8.8124% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8123% | 1,932 |
| Memoranda: | ||
| Average total assets | $207,933,800 | 2,935 |
| Average earning assets | $193,797,800 | 2,919 |
| Average equity | $17,410,200 | 3,059 |
| Average total loans | $150,593,000 | 2,671 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 1,492 |
| Cost of funding earning assets | 1.7487% | 1,099 |
| Net interest margin | 3.4311% | 2,392 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.4090% | 2,495 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.6481% | 3,432 |
| Return on assets (ROA) | 0.6481% | 3,426 |
| Pretax return on assets | 0.8895% | 3,127 |
| Return on Equity (ROE) | 7.7800% | 3,240 |
| Retained earnings to average equity (ytd only) | 5.0091% | 2,926 |
| Net charge-offs to loans | 0.0669% | 1,002 |
| Credit loss provision to net charge-offs | 344.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 21.8667% | 1,771 |
| Efficiency ratio | 69.5337% | 1,842 |
| Assets per employee ($millions) | 5.3509% | 3,301 |
| Cash dividends to net income (ytd only)* | 35.6504% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 828 |
| Loan loss allowance to noncurrent loans | 311.0828% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 1,564 |
| Noncurrent loans to loans | 0.5243% | 1,508 |
| Net loans and leases to total assets | 68.8100% | 1,966 |
| Net loans and leases to deposits | 75.4144% | 2,467 |
| Net loans and leases to core deposits | 85.4532% | 2,220 |
| Total domestic deposits to total assets | 91.2400% | 617 |
| Equity capital to assets | 8.2192% | 2,908 |
| Core capital (leverage) ratio | 8.7383% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0648% | 1,873 |
| Memoranda: | ||
| Average total assets | $207,162,750 | 2,945 |
| Average earning assets | $193,131,750 | 2,931 |
| Average equity | $17,248,250 | 3,061 |
| Average total loans | $149,455,000 | 2,688 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 1,456 |
| Cost of funding earning assets | 1.5895% | 1,090 |
| Net interest margin | 3.4639% | 2,359 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.4786% | 2,266 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.5631% | 3,672 |
| Return on assets (ROA) | 0.5623% | 3,681 |
| Pretax return on assets | 0.7615% | 3,485 |
| Return on Equity (ROE) | 6.7200% | 3,536 |
| Retained earnings to average equity (ytd only) | 2.5330% | 3,594 |
| Net charge-offs to loans | 0.0482% | 1,029 |
| Credit loss provision to net charge-offs | 711.1111% | 515 |
| Earnings coverage of net charge-offs (x) | 28.8056% | 1,573 |
| Efficiency ratio | 71.0011% | 1,671 |
| Assets per employee ($millions) | 4.9322% | 3,650 |
| Cash dividends to net income (ytd only)* | 62.3264% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 794 |
| Loan loss allowance to noncurrent loans | 319.8710% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 1,254 |
| Noncurrent loans to loans | 0.5229% | 1,417 |
| Net loans and leases to total assets | 70.3500% | 1,704 |
| Net loans and leases to deposits | 77.1365% | 2,208 |
| Net loans and leases to core deposits | 87.1240% | 1,998 |
| Total domestic deposits to total assets | 91.2100% | 584 |
| Equity capital to assets | 8.2756% | 3,035 |
| Core capital (leverage) ratio | 8.5826% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8753% | 1,944 |
| Memoranda: | ||
| Average total assets | $204,872,000 | 2,968 |
| Average earning assets | $190,999,000 | 2,953 |
| Average equity | $17,133,667 | 3,094 |
| Average total loans | $149,369,333 | 2,678 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 1,579 |
| Cost of funding earning assets | 1.3423% | 1,148 |
| Net interest margin | 3.4782% | 2,425 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.3789% | 2,587 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 0.5463% | 3,798 |
| Return on assets (ROA) | 0.5463% | 3,762 |
| Pretax return on assets | 0.7401% | 3,585 |
| Return on Equity (ROE) | 6.3100% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.3072% | 2,682 |
| Net charge-offs to loans | 0.0798% | 670 |
| Credit loss provision to net charge-offs | 673.3333% | 470 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,470 |
| Efficiency ratio | 67.6880% | 2,010 |
| Assets per employee ($millions) | 4.7310% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,543 |
| Loan loss allowance to noncurrent loans | 130.9452% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 597 |
| Noncurrent loans to loans | 1.0849% | 659 |
| Net loans and leases to total assets | 72.5000% | 1,373 |
| Net loans and leases to deposits | 79.7044% | 1,839 |
| Net loans and leases to core deposits | 89.5392% | 1,645 |
| Total domestic deposits to total assets | 90.9700% | 813 |
| Equity capital to assets | 8.5591% | 2,844 |
| Core capital (leverage) ratio | 9.0498% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $204,297,000 | 3,006 |
| Average earning assets | $191,018,500 | 2,994 |
| Average equity | $17,694,000 | 3,066 |
| Average total loans | $150,447,000 | 2,699 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 1,047 |
| Cost of funding earning assets | 0.6834% | 633 |
| Net interest margin | 3.6170% | 1,598 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.2247% | 2,960 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.8460% | 3,170 |
| Return on assets (ROA) | 0.8460% | 3,100 |
| Pretax return on assets | 1.1516% | 2,600 |
| Return on Equity (ROE) | 9.8500% | 2,849 |
| Retained earnings to average equity (ytd only) | 7.7423% | 1,939 |
| Net charge-offs to loans | -0.0029% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.0643% | 2,902 |
| Assets per employee ($millions) | 4.5552% | 3,995 |
| Cash dividends to net income (ytd only)* | 21.3690% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,156 |
| Loan loss allowance to noncurrent loans | 200.4343% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 1,103 |
| Noncurrent loans to loans | 0.6232% | 1,192 |
| Net loans and leases to total assets | 72.8200% | 1,329 |
| Net loans and leases to deposits | 80.2066% | 1,756 |
| Net loans and leases to core deposits | 89.7040% | 1,517 |
| Total domestic deposits to total assets | 90.7900% | 1,026 |
| Equity capital to assets | 8.7667% | 2,516 |
| Core capital (leverage) ratio | 9.1110% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7577% | 1,709 |
| Memoranda: | ||
| Average total assets | $198,588,600 | 3,051 |
| Average earning assets | $187,146,000 | 3,020 |
| Average equity | $17,062,200 | 3,200 |
| Average total loans | $138,644,800 | 2,744 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 949 |
| Cost of funding earning assets | 0.5997% | 441 |
| Net interest margin | 3.5661% | 1,477 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.1110% | 3,180 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.9152% | 2,816 |
| Return on assets (ROA) | 0.9152% | 2,785 |
| Pretax return on assets | 1.2450% | 2,219 |
| Return on Equity (ROE) | 10.7100% | 2,503 |
| Retained earnings to average equity (ytd only) | 7.8809% | 2,047 |
| Net charge-offs to loans | -0.0098% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.7013% | 3,297 |
| Assets per employee ($millions) | 4.7235% | 3,895 |
| Cash dividends to net income (ytd only)* | 26.3971% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,761 |
| Loan loss allowance to noncurrent loans | 408.5158% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,224 |
| Noncurrent loans to loans | 0.2831% | 2,236 |
| Net loans and leases to total assets | 72.3200% | 1,255 |
| Net loans and leases to deposits | 79.5958% | 1,597 |
| Net loans and leases to core deposits | 88.7114% | 1,377 |
| Total domestic deposits to total assets | 90.8600% | 1,298 |
| Equity capital to assets | 8.6876% | 2,416 |
| Core capital (leverage) ratio | 8.9287% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5009% | 1,875 |
| Memoranda: | ||
| Average total assets | $198,128,500 | 3,077 |
| Average earning assets | $186,976,250 | 3,043 |
| Average equity | $16,935,000 | 3,243 |
| Average total loans | $136,358,500 | 2,772 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 915 |
| Cost of funding earning assets | 0.5868% | 307 |
| Net interest margin | 3.4269% | 1,522 |
| Noninterest income to average assets | 0.2232% | 3,860 |
| Noninterest expense to average assets | 2.0622% | 3,260 |
| Loan and lease loss provision to assets | 0.2050% | 401 |
| Net operating income to assets | 0.8786% | 2,675 |
| Return on assets (ROA) | 0.8786% | 2,653 |
| Pretax return on assets | 1.1937% | 2,097 |
| Return on Equity (ROE) | 10.3356% | 2,211 |
| Retained earnings to average equity (ytd only) | 6.0707% | 2,315 |
| Net charge-offs to loans | -0.0210% | 3,895 |
| Credit loss provision to net charge-offs | -1,450.0000% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5856% | 3,351 |
| Assets per employee ($millions) | 5.6626% | 3,075 |
| Cash dividends to net income (ytd only)* | 41.2644% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,156 |
| Loan loss allowance to noncurrent loans | 273.5242% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 1,939 |
| Noncurrent loans to loans | 0.4028% | 1,921 |
| Net loans and leases to total assets | 67.3351% | 1,541 |
| Net loans and leases to deposits | 73.7332% | 1,895 |
| Net loans and leases to core deposits | 80.9841% | 1,657 |
| Total domestic deposits to total assets | 91.3226% | 1,095 |
| Equity capital to assets | 8.2697% | 2,930 |
| Core capital (leverage) ratio | 8.6609% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9019% | 2,100 |
| Memoranda: | ||
| Average total assets | $198,042,667 | 3,109 |
| Average earning assets | $187,107,667 | 3,086 |
| Average equity | $16,835,000 | 3,334 |
| Average total loans | $133,424,667 | 2,816 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 785 |
| Cost of funding earning assets | 0.5983% | 264 |
| Net interest margin | 3.3948% | 1,310 |
| Noninterest income to average assets | 0.1927% | 4,005 |
| Noninterest expense to average assets | 2.1216% | 3,074 |
| Loan and lease loss provision to assets | 0.1025% | 812 |
| Net operating income to assets | 0.8671% | 2,429 |
| Return on assets (ROA) | 0.8671% | 2,418 |
| Pretax return on assets | 1.1787% | 1,883 |
| Return on Equity (ROE) | 10.0574% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.0574% | 1,004 |
| Net charge-offs to loans | 0.0367% | 926 |
| Credit loss provision to net charge-offs | 416.6667% | 574 |
| Earnings coverage of net charge-offs (x) | 52.0833% | 911 |
| Efficiency ratio | 62.3494% | 3,222 |
| Assets per employee ($millions) | 5.8585% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,632 |
| Loan loss allowance to noncurrent loans | 258.1262% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 2,096 |
| Noncurrent loans to loans | 0.3954% | 2,074 |
| Net loans and leases to total assets | 65.7243% | 1,437 |
| Net loans and leases to deposits | 72.1601% | 1,764 |
| Net loans and leases to core deposits | 78.7990% | 1,562 |
| Total domestic deposits to total assets | 91.0813% | 996 |
| Equity capital to assets | 8.4860% | 3,173 |
| Core capital (leverage) ratio | 8.8145% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6295% | 1,942 |
| Memoranda: | ||
| Average total assets | $195,138,000 | 3,135 |
| Average earning assets | $184,516,500 | 3,115 |
| Average equity | $16,823,500 | 3,413 |
| Average total loans | $130,740,500 | 2,841 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 734 |
| Cost of funding earning assets | 0.7414% | 268 |
| Net interest margin | 3.6437% | 1,354 |
| Noninterest income to average assets | 0.2522% | 3,858 |
| Noninterest expense to average assets | 2.2375% | 2,973 |
| Loan and lease loss provision to assets | 0.2528% | 365 |
| Net operating income to assets | 0.8833% | 3,102 |
| Return on assets (ROA) | 0.8833% | 3,161 |
| Pretax return on assets | 1.1948% | 2,678 |
| Return on Equity (ROE) | 10.0410% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.0390% | 1,525 |
| Net charge-offs to loans | 0.1477% | 645 |
| Credit loss provision to net charge-offs | 254.0984% | 1,157 |
| Earnings coverage of net charge-offs (x) | 14.5519% | 2,027 |
| Efficiency ratio | 60.7169% | 3,041 |
| Assets per employee ($millions) | 5.3080% | 3,466 |
| Cash dividends to net income (ytd only)* | 19.9385% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,676 |
| Loan loss allowance to noncurrent loans | 220.1342% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 1,990 |
| Noncurrent loans to loans | 0.4612% | 1,981 |
| Net loans and leases to total assets | 66.9346% | 1,379 |
| Net loans and leases to deposits | 73.6872% | 1,747 |
| Net loans and leases to core deposits | 80.0225% | 1,590 |
| Total domestic deposits to total assets | 90.8362% | 559 |
| Equity capital to assets | 8.7625% | 3,835 |
| Core capital (leverage) ratio | 8.8820% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5850% | 2,025 |
| Memoranda: | ||
| Average total assets | $183,959,000 | 3,176 |
| Average earning assets | $173,312,000 | 3,147 |
| Average equity | $16,183,600 | 3,524 |
| Average total loans | $123,898,600 | 2,914 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 685 |
| Cost of funding earning assets | 0.7706% | 279 |
| Net interest margin | 3.7216% | 1,290 |
| Noninterest income to average assets | 0.2693% | 3,798 |
| Noninterest expense to average assets | 2.1890% | 3,102 |
| Loan and lease loss provision to assets | 0.2673% | 325 |
| Net operating income to assets | 0.9697% | 3,021 |
| Return on assets (ROA) | 0.9697% | 3,102 |
| Pretax return on assets | 1.3159% | 2,583 |
| Return on Equity (ROE) | 11.0115% | 2,361 |
| Retained earnings to average equity (ytd only) | 8.3188% | 1,948 |
| Net charge-offs to loans | 0.1958% | 432 |
| Credit loss provision to net charge-offs | 202.7778% | 1,199 |
| Earnings coverage of net charge-offs (x) | 12.0167% | 1,970 |
| Efficiency ratio | 58.0326% | 3,259 |
| Assets per employee ($millions) | 5.4869% | 3,214 |
| Cash dividends to net income (ytd only)* | 24.4528% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,024 |
| Loan loss allowance to noncurrent loans | 172.5852% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 1,937 |
| Noncurrent loans to loans | 0.5469% | 1,950 |
| Net loans and leases to total assets | 68.3457% | 1,282 |
| Net loans and leases to deposits | 75.3341% | 1,735 |
| Net loans and leases to core deposits | 82.7834% | 1,516 |
| Total domestic deposits to total assets | 90.7234% | 461 |
| Equity capital to assets | 8.8563% | 3,955 |
| Core capital (leverage) ratio | 8.8850% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5967% | 2,509 |
| Memoranda: | ||
| Average total assets | $182,176,750 | 3,227 |
| Average earning assets | $171,465,250 | 3,201 |
| Average equity | $16,043,500 | 3,583 |
| Average total loans | $122,569,250 | 2,971 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 650 |
| Cost of funding earning assets | 0.7963% | 299 |
| Net interest margin | 3.7747% | 1,178 |
| Noninterest income to average assets | 0.3088% | 3,582 |
| Noninterest expense to average assets | 2.2123% | 3,048 |
| Loan and lease loss provision to assets | 0.2822% | 320 |
| Net operating income to assets | 1.0060% | 2,868 |
| Return on assets (ROA) | 1.0060% | 2,949 |
| Pretax return on assets | 1.3657% | 2,422 |
| Return on Equity (ROE) | 11.4455% | 2,256 |
| Retained earnings to average equity (ytd only) | 7.3785% | 2,299 |
| Net charge-offs to loans | 0.3070% | 279 |
| Credit loss provision to net charge-offs | 137.8378% | 1,195 |
| Earnings coverage of net charge-offs (x) | 8.0486% | 1,897 |
| Efficiency ratio | 57.3108% | 3,363 |
| Assets per employee ($millions) | 5.1268% | 3,533 |
| Cash dividends to net income (ytd only)* | 35.5336% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 4,232 |
| Loan loss allowance to noncurrent loans | 182.4212% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 2,122 |
| Noncurrent loans to loans | 0.4775% | 2,241 |
| Net loans and leases to total assets | 65.9935% | 1,698 |
| Net loans and leases to deposits | 72.4408% | 2,169 |
| Net loans and leases to core deposits | 81.9000% | 1,733 |
| Total domestic deposits to total assets | 91.0998% | 343 |
| Equity capital to assets | 8.4885% | 4,214 |
| Core capital (leverage) ratio | 8.6676% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0567% | 2,347 |
| Memoranda: | ||
| Average total assets | $180,717,000 | 3,246 |
| Average earning assets | $170,027,000 | 3,216 |
| Average equity | $15,884,000 | 3,597 |
| Average total loans | $120,519,667 | 3,001 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 608 |
| Cost of funding earning assets | 0.8271% | 310 |
| Net interest margin | 3.8195% | 1,098 |
| Noninterest income to average assets | 0.2043% | 4,161 |
| Noninterest expense to average assets | 2.2040% | 3,102 |
| Loan and lease loss provision to assets | 0.1816% | 679 |
| Net operating income to assets | 1.0623% | 2,598 |
| Return on assets (ROA) | 1.0623% | 2,679 |
| Pretax return on assets | 1.4141% | 2,243 |
| Return on Equity (ROE) | 11.8669% | 2,063 |
| Retained earnings to average equity (ytd only) | 11.8669% | 1,181 |
| Net charge-offs to loans | 0.5883% | 137 |
| Credit loss provision to net charge-offs | 46.2428% | 1,325 |
| Earnings coverage of net charge-offs (x) | 4.0636% | 1,741 |
| Efficiency ratio | 58.0048% | 3,297 |
| Assets per employee ($millions) | 4.9390% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 4,425 |
| Loan loss allowance to noncurrent loans | 197.6793% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 2,532 |
| Noncurrent loans to loans | 0.4002% | 2,668 |
| Net loans and leases to total assets | 64.2916% | 2,009 |
| Net loans and leases to deposits | 70.9496% | 2,421 |
| Net loans and leases to core deposits | 81.0269% | 1,909 |
| Total domestic deposits to total assets | 90.6158% | 536 |
| Equity capital to assets | 8.7478% | 3,917 |
| Core capital (leverage) ratio | 9.1742% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7060% | 2,404 |
| Memoranda: | ||
| Average total assets | $176,229,000 | 3,277 |
| Average earning assets | $165,886,000 | 3,256 |
| Average equity | $15,775,000 | 3,611 |
| Average total loans | $117,637,000 | 3,034 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 845 |
| Cost of funding earning assets | 1.0226% | 545 |
| Net interest margin | 3.7037% | 1,787 |
| Noninterest income to average assets | 0.2809% | 3,800 |
| Noninterest expense to average assets | 2.3928% | 3,151 |
| Loan and lease loss provision to assets | 0.3606% | 938 |
| Net operating income to assets | 0.7367% | 3,310 |
| Return on assets (ROA) | 0.7336% | 3,446 |
| Pretax return on assets | 0.9840% | 3,095 |
| Return on Equity (ROE) | 7.4686% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.5668% | 2,016 |
| Net charge-offs to loans | 0.1870% | 909 |
| Credit loss provision to net charge-offs | 276.6169% | 1,814 |
| Earnings coverage of net charge-offs (x) | 10.3433% | 2,464 |
| Efficiency ratio | 63.9563% | 2,831 |
| Assets per employee ($millions) | 4.8490% | 3,552 |
| Cash dividends to net income (ytd only)* | 25.4642% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,241 |
| Loan loss allowance to noncurrent loans | 82.4660% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 1,262 |
| Noncurrent loans to loans | 1.0689% | 1,332 |
| Net loans and leases to total assets | 68.2430% | 1,793 |
| Net loans and leases to deposits | 75.6283% | 2,316 |
| Net loans and leases to core deposits | 86.4326% | 1,831 |
| Total domestic deposits to total assets | 90.2347% | 475 |
| Equity capital to assets | 9.1707% | 3,916 |
| Core capital (leverage) ratio | 9.3379% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3837% | 2,089 |
| Memoranda: | ||
| Average total assets | $154,171,800 | 3,351 |
| Average earning assets | $144,044,600 | 3,333 |
| Average equity | $15,143,400 | 3,636 |
| Average total loans | $107,461,200 | 3,131 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 840 |
| Cost of funding earning assets | 1.0571% | 628 |
| Net interest margin | 3.7718% | 1,702 |
| Noninterest income to average assets | 0.2866% | 3,771 |
| Noninterest expense to average assets | 2.3812% | 3,195 |
| Loan and lease loss provision to assets | 0.2429% | 1,673 |
| Net operating income to assets | 0.8761% | 2,786 |
| Return on assets (ROA) | 0.8712% | 2,943 |
| Pretax return on assets | 1.1728% | 2,480 |
| Return on Equity (ROE) | 8.7065% | 2,521 |
| Retained earnings to average equity (ytd only) | 6.1530% | 2,041 |
| Net charge-offs to loans | 0.0304% | 2,225 |
| Credit loss provision to net charge-offs | 1,141.6667% | 762 |
| Earnings coverage of net charge-offs (x) | 66.7917% | 1,027 |
| Efficiency ratio | 62.6079% | 2,971 |
| Assets per employee ($millions) | 4.7522% | 3,536 |
| Cash dividends to net income (ytd only)* | 29.3279% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 4,318 |
| Loan loss allowance to noncurrent loans | 118.1354% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 2,013 |
| Noncurrent loans to loans | 0.6926% | 2,059 |
| Net loans and leases to total assets | 69.3983% | 2,046 |
| Net loans and leases to deposits | 77.2641% | 2,623 |
| Net loans and leases to core deposits | 88.5711% | 2,097 |
| Total domestic deposits to total assets | 89.8197% | 493 |
| Equity capital to assets | 9.5429% | 3,651 |
| Core capital (leverage) ratio | 9.7346% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6702% | 1,941 |
| Memoranda: | ||
| Average total assets | $150,286,250 | 3,387 |
| Average earning assets | $140,124,250 | 3,368 |
| Average equity | $15,038,250 | 3,650 |
| Average total loans | $105,114,500 | 3,173 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 917 |
| Cost of funding earning assets | 1.0818% | 753 |
| Net interest margin | 3.8537% | 1,686 |
| Noninterest income to average assets | 0.3044% | 3,636 |
| Noninterest expense to average assets | 2.4460% | 3,118 |
| Loan and lease loss provision to assets | 0.2512% | 1,673 |
| Net operating income to assets | 0.8866% | 2,745 |
| Return on assets (ROA) | 0.8790% | 2,890 |
| Pretax return on assets | 1.1862% | 2,406 |
| Return on Equity (ROE) | 8.6377% | 2,514 |
| Retained earnings to average equity (ytd only) | 4.7883% | 2,571 |
| Net charge-offs to loans | 0.0488% | 1,785 |
| Credit loss provision to net charge-offs | 736.0000% | 963 |
| Earnings coverage of net charge-offs (x) | 42.4000% | 1,207 |
| Efficiency ratio | 62.8331% | 2,981 |
| Assets per employee ($millions) | 4.4391% | 3,870 |
| Cash dividends to net income (ytd only)* | 44.5652% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 4,400 |
| Loan loss allowance to noncurrent loans | 106.1069% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 1,988 |
| Noncurrent loans to loans | 0.7300% | 2,052 |
| Net loans and leases to total assets | 68.7671% | 2,218 |
| Net loans and leases to deposits | 76.7383% | 2,781 |
| Net loans and leases to core deposits | 87.7711% | 2,267 |
| Total domestic deposits to total assets | 89.6124% | 526 |
| Equity capital to assets | 9.7028% | 3,474 |
| Core capital (leverage) ratio | 9.8512% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6300% | 1,948 |
| Memoranda: | ||
| Average total assets | $146,523,000 | 3,411 |
| Average earning assets | $136,440,667 | 3,398 |
| Average equity | $14,911,333 | 3,664 |
| Average total loans | $102,467,333 | 3,198 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 1,031 |
| Cost of funding earning assets | 1.0956% | 1,057 |
| Net interest margin | 3.8710% | 1,753 |
| Noninterest income to average assets | 0.3519% | 3,418 |
| Noninterest expense to average assets | 2.5447% | 3,145 |
| Loan and lease loss provision to assets | 0.2730% | 1,148 |
| Net operating income to assets | 0.8507% | 2,709 |
| Return on assets (ROA) | 0.8529% | 2,794 |
| Pretax return on assets | 1.1372% | 2,406 |
| Return on Equity (ROE) | 8.1729% | 2,442 |
| Retained earnings to average equity (ytd only) | 8.1729% | 1,178 |
| Net charge-offs to loans | 0.0481% | 1,529 |
| Credit loss provision to net charge-offs | 808.3333% | 661 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,006 |
| Efficiency ratio | 64.3875% | 3,180 |
| Assets per employee ($millions) | 4.2158% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 4,554 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 2,064 |
| Noncurrent loans to loans | 0.7717% | 2,072 |
| Net loans and leases to total assets | 69.7392% | 2,287 |
| Net loans and leases to deposits | 78.1789% | 2,865 |
| Net loans and leases to core deposits | 90.2262% | 2,319 |
| Total domestic deposits to total assets | 89.2046% | 584 |
| Equity capital to assets | 10.1658% | 3,634 |
| Core capital (leverage) ratio | 10.4879% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5006% | 2,073 |
| Memoranda: | ||
| Average total assets | $142,100,500 | 3,436 |
| Average earning assets | $132,162,000 | 3,419 |
| Average equity | $14,829,500 | 3,678 |
| Average total loans | $99,863,000 | 3,226 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 2,040 |
| Cost of funding earning assets | 0.8670% | 2,348 |
| Net interest margin | 3.9323% | 2,061 |
| Noninterest income to average assets | 0.3862% | 3,377 |
| Noninterest expense to average assets | 2.7840% | 2,658 |
| Loan and lease loss provision to assets | 0.2784% | 632 |
| Net operating income to assets | 0.7218% | 3,795 |
| Return on assets (ROA) | 0.7218% | 3,862 |
| Pretax return on assets | 0.9551% | 3,588 |
| Return on Equity (ROE) | 6.2918% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.2717% | 2,821 |
| Net charge-offs to loans | 0.5534% | 331 |
| Credit loss provision to net charge-offs | 82.1853% | 2,767 |
| Earnings coverage of net charge-offs (x) | 3.6413% | 3,302 |
| Efficiency ratio | 69.2970% | 2,275 |
| Assets per employee ($millions) | 3.9042% | 4,028 |
| Cash dividends to net income (ytd only)* | 32.1070% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 4,566 |
| Loan loss allowance to noncurrent loans | 83.2306% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 1,831 |
| Noncurrent loans to loans | 0.8442% | 1,823 |
| Net loans and leases to total assets | 69.8061% | 2,432 |
| Net loans and leases to deposits | 78.7030% | 2,941 |
| Net loans and leases to core deposits | 90.7791% | 2,349 |
| Total domestic deposits to total assets | 88.6957% | 797 |
| Equity capital to assets | 10.7276% | 3,238 |
| Core capital (leverage) ratio | 10.9338% | 2,558 |
| Tier 1 risk-based capital ratio | 14.2526% | 3,142 |
| Total risk-based capital ratio | 14.9078% | 3,340 |
| Memoranda: | ||
| Average total assets | $124,279,800 | 3,638 |
| Average earning assets | $114,766,200 | 3,636 |
| Average equity | $14,256,600 | 3,716 |
| Average total loans | $76,080,600 | 3,664 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 2,431 |
| Cost of funding earning assets | 0.7839% | 2,792 |
| Net interest margin | 3.9113% | 2,213 |
| Noninterest income to average assets | 0.3862% | 3,400 |
| Noninterest expense to average assets | 2.8088% | 2,539 |
| Loan and lease loss provision to assets | 0.1012% | 1,898 |
| Net operating income to assets | 0.8174% | 3,615 |
| Return on assets (ROA) | 0.8174% | 3,697 |
| Pretax return on assets | 1.0826% | 3,343 |
| Return on Equity (ROE) | 6.9980% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.2855% | 3,253 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3500% | 2,066 |
| Assets per employee ($millions) | 3.7521% | 4,215 |
| Cash dividends to net income (ytd only)* | 38.7618% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 3,781 |
| Loan loss allowance to noncurrent loans | 69.1865% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 1,247 |
| Noncurrent loans to loans | 1.3876% | 1,103 |
| Net loans and leases to total assets | 66.1453% | 3,031 |
| Net loans and leases to deposits | 74.8234% | 3,402 |
| Net loans and leases to core deposits | 86.4929% | 2,867 |
| Total domestic deposits to total assets | 88.4019% | 872 |
| Equity capital to assets | 11.0224% | 3,086 |
| Core capital (leverage) ratio | 11.8013% | 1,996 |
| Tier 1 risk-based capital ratio | 14.8641% | 2,916 |
| Total risk-based capital ratio | 15.7256% | 3,008 |
| Memoranda: | ||
| Average total assets | $121,188,000 | 3,716 |
| Average earning assets | $111,743,000 | 3,717 |
| Average equity | $14,156,000 | 3,760 |
| Average total loans | $71,085,000 | 3,797 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 2,756 |
| Cost of funding earning assets | 0.7186% | 3,058 |
| Net interest margin | 3.8549% | 2,390 |
| Noninterest income to average assets | 0.3939% | 3,305 |
| Noninterest expense to average assets | 2.8334% | 2,476 |
| Loan and lease loss provision to assets | 0.0034% | 3,643 |
| Net operating income to assets | 0.8064% | 3,627 |
| Return on assets (ROA) | 0.8064% | 3,685 |
| Pretax return on assets | 1.1086% | 3,209 |
| Return on Equity (ROE) | 6.7617% | 3,762 |
| Retained earnings to average equity (ytd only) | 2.6620% | 3,872 |
| Net charge-offs to loans | -0.0092% | 4,297 |
| Credit loss provision to net charge-offs | -66.6667% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8158% | 1,946 |
| Assets per employee ($millions) | 3.3729% | 4,637 |
| Cash dividends to net income (ytd only)* | 60.6316% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,697 |
| Loan loss allowance to noncurrent loans | 63.9831% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,160 |
| Noncurrent loans to loans | 1.5436% | 993 |
| Net loans and leases to total assets | 64.1170% | 3,326 |
| Net loans and leases to deposits | 73.3236% | 3,570 |
| Net loans and leases to core deposits | 82.0919% | 3,264 |
| Total domestic deposits to total assets | 87.4438% | 1,367 |
| Equity capital to assets | 12.0200% | 2,168 |
| Core capital (leverage) ratio | 12.0281% | 1,810 |
| Tier 1 risk-based capital ratio | 17.4123% | 1,965 |
| Total risk-based capital ratio | 18.3342% | 2,011 |
| Memoranda: | ||
| Average total assets | $117,809,670 | 3,803 |
| Average earning assets | $108,537,000 | 3,798 |
| Average equity | $14,049,670 | 3,781 |
| Average total loans | $65,544,670 | 3,936 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 3,301 |
| Cost of funding earning assets | 0.6833% | 3,135 |
| Net interest margin | 3.6973% | 2,904 |
| Noninterest income to average assets | 0.4113% | 3,104 |
| Noninterest expense to average assets | 2.7632% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8021% | 3,614 |
| Return on assets (ROA) | 0.8021% | 3,657 |
| Pretax return on assets | 1.0502% | 3,284 |
| Return on Equity (ROE) | 6.7527% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.7527% | 2,135 |
| Net charge-offs to loans | -0.0133% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4599% | 1,968 |
| Assets per employee ($millions) | 3.7405% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,682 |
| Loan loss allowance to noncurrent loans | 28.6258% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.4303% | 325 |
| Noncurrent loans to loans | 4.1299% | 175 |
| Net loans and leases to total assets | 52.5151% | 4,304 |
| Net loans and leases to deposits | 59.8568% | 4,421 |
| Net loans and leases to core deposits | 67.1567% | 4,223 |
| Total domestic deposits to total assets | 87.7347% | 1,460 |
| Equity capital to assets | 11.8100% | 2,148 |
| Core capital (leverage) ratio | 12.2548% | 1,631 |
| Tier 1 risk-based capital ratio | 19.3801% | 1,468 |
| Total risk-based capital ratio | 20.3988% | 1,489 |
| Memoranda: | ||
| Average total assets | $117,688,000 | 3,843 |
| Average earning assets | $108,296,500 | 3,843 |
| Average equity | $13,979,500 | 3,804 |
| Average total loans | $60,093,500 | 4,083 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,019 |
| Cost of funding earning assets | 0.5848% | 2,819 |
| Net interest margin | 3.4181% | 3,950 |
| Noninterest income to average assets | 0.3987% | 3,450 |
| Noninterest expense to average assets | 2.4502% | 3,745 |
| Loan and lease loss provision to assets | 0.1426% | 1,504 |
| Net operating income to assets | 0.7299% | 4,038 |
| Return on assets (ROA) | 0.7299% | 4,045 |
| Pretax return on assets | 0.9494% | 3,760 |
| Return on Equity (ROE) | 6.3318% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.8877% | 2,834 |
| Net charge-offs to loans | 0.5882% | 292 |
| Credit loss provision to net charge-offs | 49.1176% | 3,205 |
| Earnings coverage of net charge-offs (x) | 3.7618% | 3,381 |
| Efficiency ratio | 69.1733% | 2,354 |
| Assets per employee ($millions) | 3.7316% | 4,278 |
| Cash dividends to net income (ytd only)* | 22.8070% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,921 |
| Loan loss allowance to noncurrent loans | 28.2167% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 295 |
| Noncurrent loans to loans | 4.6980% | 125 |
| Net loans and leases to total assets | 48.2594% | 4,616 |
| Net loans and leases to deposits | 55.0752% | 4,703 |
| Net loans and leases to core deposits | 62.2305% | 4,527 |
| Total domestic deposits to total assets | 87.6246% | 1,476 |
| Equity capital to assets | 11.9492% | 1,934 |
| Core capital (leverage) ratio | 12.1508% | 1,642 |
| Tier 1 risk-based capital ratio | 20.9719% | 1,156 |
| Total risk-based capital ratio | 22.0923% | 1,157 |
| Memoranda: | ||
| Average total assets | $117,132,600 | 3,836 |
| Average earning assets | $107,720,600 | 3,841 |
| Average equity | $13,503,200 | 3,817 |
| Average total loans | $57,808,200 | 4,148 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 4,131 |
| Cost of funding earning assets | 0.5663% | 2,730 |
| Net interest margin | 3.3659% | 4,116 |
| Noninterest income to average assets | 0.3994% | 3,484 |
| Noninterest expense to average assets | 2.4205% | 3,804 |
| Loan and lease loss provision to assets | 0.0068% | 3,838 |
| Net operating income to assets | 0.8216% | 3,837 |
| Return on assets (ROA) | 0.8216% | 3,850 |
| Pretax return on assets | 1.0678% | 3,509 |
| Return on Equity (ROE) | 7.1913% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.2545% | 3,086 |
| Net charge-offs to loans | 0.7250% | 195 |
| Credit loss provision to net charge-offs | 1.8987% | 3,082 |
| Earnings coverage of net charge-offs (x) | 2.9969% | 3,202 |
| Efficiency ratio | 69.2532% | 2,317 |
| Assets per employee ($millions) | 3.7066% | 4,298 |
| Cash dividends to net income (ytd only)* | 26.9333% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,386 |
| Loan loss allowance to noncurrent loans | 22.3886% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.6430% | 314 |
| Noncurrent loans to loans | 4.7538% | 139 |
| Net loans and leases to total assets | 49.5910% | 4,625 |
| Net loans and leases to deposits | 56.5448% | 4,719 |
| Net loans and leases to core deposits | 63.5354% | 4,546 |
| Total domestic deposits to total assets | 87.7021% | 1,394 |
| Equity capital to assets | 11.8671% | 1,991 |
| Core capital (leverage) ratio | 12.1252% | 1,713 |
| Tier 1 risk-based capital ratio | 20.5704% | 1,236 |
| Total risk-based capital ratio | 21.4772% | 1,270 |
| Memoranda: | ||
| Average total assets | $117,495,500 | 3,867 |
| Average earning assets | $108,060,250 | 3,874 |
| Average equity | $13,423,250 | 3,861 |
| Average total loans | $58,116,000 | 4,184 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,940 |
| Cost of funding earning assets | 0.5524% | 2,591 |
| Net interest margin | 3.3933% | 3,972 |
| Noninterest income to average assets | 0.4055% | 3,447 |
| Noninterest expense to average assets | 2.3708% | 3,974 |
| Loan and lease loss provision to assets | 0.0101% | 3,647 |
| Net operating income to assets | 0.8821% | 3,539 |
| Return on assets (ROA) | 0.8821% | 3,542 |
| Pretax return on assets | 1.1490% | 3,136 |
| Return on Equity (ROE) | 7.8189% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.8980% | 3,126 |
| Net charge-offs to loans | 0.0377% | 2,098 |
| Credit loss provision to net charge-offs | 54.5455% | 2,466 |
| Earnings coverage of net charge-offs (x) | 62.3636% | 971 |
| Efficiency ratio | 67.1613% | 2,788 |
| Assets per employee ($millions) | 3.7538% | 4,279 |
| Cash dividends to net income (ytd only)* | 37.3563% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,172 |
| Loan loss allowance to noncurrent loans | 29.1244% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.9870% | 248 |
| Noncurrent loans to loans | 5.3999% | 115 |
| Net loans and leases to total assets | 49.3714% | 4,642 |
| Net loans and leases to deposits | 56.0719% | 4,749 |
| Net loans and leases to core deposits | 62.7011% | 4,575 |
| Total domestic deposits to total assets | 88.0501% | 1,351 |
| Equity capital to assets | 11.5606% | 2,157 |
| Core capital (leverage) ratio | 11.5999% | 1,981 |
| Tier 1 risk-based capital ratio | 19.8865% | 1,341 |
| Total risk-based capital ratio | 21.1373% | 1,315 |
| Memoranda: | ||
| Average total assets | $118,358,670 | 3,883 |
| Average earning assets | $108,979,330 | 3,893 |
| Average equity | $13,352,330 | 3,890 |
| Average total loans | $58,289,330 | 4,210 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,979 |
| Cost of funding earning assets | 0.5422% | 2,464 |
| Net interest margin | 3.3404% | 4,074 |
| Noninterest income to average assets | 0.4156% | 3,351 |
| Noninterest expense to average assets | 2.4197% | 3,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8345% | 3,579 |
| Return on assets (ROA) | 0.8345% | 3,593 |
| Pretax return on assets | 1.0724% | 3,270 |
| Return on Equity (ROE) | 7.4876% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.4876% | 2,053 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2898% | 2,619 |
| Assets per employee ($millions) | 4.1452% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 1,158 |
| Loan loss allowance to noncurrent loans | 35.5000% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.3617% | 411 |
| Noncurrent loans to loans | 4.5065% | 191 |
| Net loans and leases to total assets | 47.2266% | 4,738 |
| Net loans and leases to deposits | 53.3541% | 4,828 |
| Net loans and leases to core deposits | 59.5550% | 4,677 |
| Total domestic deposits to total assets | 88.5153% | 1,347 |
| Equity capital to assets | 11.1387% | 2,442 |
| Core capital (leverage) ratio | 11.4995% | 2,016 |
| Tier 1 risk-based capital ratio | 18.9242% | 1,568 |
| Total risk-based capital ratio | 20.1742% | 1,535 |
| Memoranda: | ||
| Average total assets | $119,353,500 | 3,909 |
| Average earning assets | $109,926,000 | 3,916 |
| Average equity | $13,302,000 | 3,930 |
| Average total loans | $58,248,500 | 4,243 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 3,995 |
| Cost of funding earning assets | 0.5375% | 2,056 |
| Net interest margin | 3.2783% | 4,219 |
| Noninterest income to average assets | 0.4276% | 3,456 |
| Noninterest expense to average assets | 2.3981% | 4,086 |
| Loan and lease loss provision to assets | 0.1575% | 1,427 |
| Net operating income to assets | 0.6290% | 3,894 |
| Return on assets (ROA) | 0.6290% | 3,932 |
| Pretax return on assets | 0.8742% | 3,994 |
| Return on Equity (ROE) | 5.6297% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.2589% | 2,607 |
| Net charge-offs to loans | 0.0479% | 2,829 |
| Credit loss provision to net charge-offs | 653.5714% | 497 |
| Earnings coverage of net charge-offs (x) | 42.8214% | 1,200 |
| Efficiency ratio | 69.9197% | 2,563 |
| Assets per employee ($millions) | 4.0860% | 3,833 |
| Cash dividends to net income (ytd only)* | 24.3502% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 1,214 |
| Loan loss allowance to noncurrent loans | 53.2602% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.6642% | 781 |
| Noncurrent loans to loans | 2.9472% | 384 |
| Net loans and leases to total assets | 48.8451% | 4,712 |
| Net loans and leases to deposits | 55.2080% | 4,842 |
| Net loans and leases to core deposits | 62.4214% | 4,636 |
| Total domestic deposits to total assets | 88.4746% | 1,261 |
| Equity capital to assets | 11.1515% | 2,487 |
| Core capital (leverage) ratio | 11.1682% | 2,179 |
| Tier 1 risk-based capital ratio | 19.3578% | 1,440 |
| Total risk-based capital ratio | 20.6098% | 1,415 |
| Memoranda: | ||
| Average total assets | $116,217,600 | 3,958 |
| Average earning assets | $106,426,400 | 3,976 |
| Average equity | $12,984,600 | 3,986 |
| Average total loans | $58,475,800 | 4,239 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,842 |
| Cost of funding earning assets | 0.5334% | 2,003 |
| Net interest margin | 3.3139% | 4,122 |
| Noninterest income to average assets | 0.4150% | 3,590 |
| Noninterest expense to average assets | 2.4418% | 3,910 |
| Loan and lease loss provision to assets | 0.0023% | 4,062 |
| Net operating income to assets | 0.7125% | 3,908 |
| Return on assets (ROA) | 0.7125% | 3,975 |
| Pretax return on assets | 1.0007% | 3,692 |
| Return on Equity (ROE) | 6.3740% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.5381% | 3,198 |
| Net charge-offs to loans | 0.0365% | 2,708 |
| Credit loss provision to net charge-offs | 12.5000% | 3,208 |
| Earnings coverage of net charge-offs (x) | 54.3821% | 1,059 |
| Efficiency ratio | 70.8835% | 2,381 |
| Assets per employee ($millions) | 3.9981% | 3,997 |
| Cash dividends to net income (ytd only)* | 28.8029% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,394 |
| Loan loss allowance to noncurrent loans | 72.0841% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 1,499 |
| Noncurrent loans to loans | 1.7924% | 1,004 |
| Net loans and leases to total assets | 49.6805% | 4,721 |
| Net loans and leases to deposits | 56.3091% | 4,858 |
| Net loans and leases to core deposits | 64.0969% | 4,601 |
| Total domestic deposits to total assets | 88.2280% | 1,239 |
| Equity capital to assets | 11.3597% | 2,511 |
| Core capital (leverage) ratio | 11.4563% | 2,052 |
| Tier 1 risk-based capital ratio | 20.1763% | 1,326 |
| Total risk-based capital ratio | 21.3245% | 1,315 |
| Memoranda: | ||
| Average total assets | $115,648,250 | 4,007 |
| Average earning assets | $105,735,000 | 4,032 |
| Average equity | $12,927,250 | 4,034 |
| Average total loans | $58,394,250 | 4,278 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 4,150 |
| Cost of funding earning assets | 0.5287% | 1,934 |
| Net interest margin | 3.1948% | 4,436 |
| Noninterest income to average assets | 0.4068% | 3,650 |
| Noninterest expense to average assets | 2.4336% | 3,961 |
| Loan and lease loss provision to assets | 0.0035% | 3,833 |
| Net operating income to assets | 0.6404% | 4,127 |
| Return on assets (ROA) | 0.6404% | 4,172 |
| Pretax return on assets | 0.8879% | 3,966 |
| Return on Equity (ROE) | 5.7605% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.9893% | 3,938 |
| Net charge-offs to loans | 0.0479% | 2,257 |
| Credit loss provision to net charge-offs | 14.2857% | 2,825 |
| Earnings coverage of net charge-offs (x) | 36.7857% | 1,318 |
| Efficiency ratio | 73.1910% | 2,153 |
| Assets per employee ($millions) | 4.0348% | 3,899 |
| Cash dividends to net income (ytd only)* | 48.1081% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,507 |
| Loan loss allowance to noncurrent loans | 72.8324% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2597% | 1,329 |
| Noncurrent loans to loans | 1.7584% | 1,029 |
| Net loans and leases to total assets | 49.8047% | 4,721 |
| Net loans and leases to deposits | 56.1864% | 4,847 |
| Net loans and leases to core deposits | 63.8893% | 4,611 |
| Total domestic deposits to total assets | 88.6419% | 1,136 |
| Equity capital to assets | 11.0513% | 2,748 |
| Core capital (leverage) ratio | 11.0885% | 2,323 |
| Tier 1 risk-based capital ratio | 20.2871% | 1,306 |
| Total risk-based capital ratio | 21.4810% | 1,292 |
| Memoranda: | ||
| Average total assets | $115,549,330 | 4,033 |
| Average earning assets | $105,546,330 | 4,059 |
| Average equity | $12,846,000 | 4,058 |
| Average total loans | $58,407,000 | 4,301 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,430 |
| Cost of funding earning assets | 0.5222% | 1,925 |
| Net interest margin | 3.3693% | 3,767 |
| Noninterest income to average assets | 0.4250% | 3,481 |
| Noninterest expense to average assets | 2.4455% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7490% | 3,482 |
| Return on assets (ROA) | 0.7490% | 3,531 |
| Pretax return on assets | 1.0590% | 3,140 |
| Return on Equity (ROE) | 6.7169% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.7169% | 1,967 |
| Net charge-offs to loans | 0.0689% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 1,211 |
| Efficiency ratio | 69.7813% | 2,930 |
| Assets per employee ($millions) | 4.0472% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,522 |
| Loan loss allowance to noncurrent loans | 71.7124% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 1,285 |
| Noncurrent loans to loans | 1.8164% | 1,028 |
| Net loans and leases to total assets | 48.9341% | 4,754 |
| Net loans and leases to deposits | 55.1869% | 4,866 |
| Net loans and leases to core deposits | 61.2534% | 4,707 |
| Total domestic deposits to total assets | 88.6698% | 1,337 |
| Equity capital to assets | 11.0098% | 2,617 |
| Core capital (leverage) ratio | 11.1867% | 2,201 |
| Tier 1 risk-based capital ratio | 20.1489% | 1,360 |
| Total risk-based capital ratio | 21.3598% | 1,339 |
| Memoranda: | ||
| Average total assets | $114,822,000 | 4,083 |
| Average earning assets | $104,946,500 | 4,103 |
| Average equity | $12,803,500 | 4,087 |
| Average total loans | $58,094,500 | 4,343 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 2,782 |
| Cost of funding earning assets | 0.5400% | 1,794 |
| Net interest margin | 3.5769% | 3,160 |
| Noninterest income to average assets | 0.5464% | 2,935 |
| Noninterest expense to average assets | 3.0036% | 2,341 |
| Loan and lease loss provision to assets | 0.0151% | 4,069 |
| Net operating income to assets | 0.5867% | 4,265 |
| Return on assets (ROA) | 0.5874% | 4,371 |
| Pretax return on assets | 0.7885% | 4,213 |
| Return on Equity (ROE) | 5.2830% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.9222% | 3,136 |
| Net charge-offs to loans | 0.1532% | 1,732 |
| Credit loss provision to net charge-offs | 18.8889% | 3,678 |
| Earnings coverage of net charge-offs (x) | 10.0222% | 2,691 |
| Efficiency ratio | 78.9105% | 1,567 |
| Assets per employee ($millions) | 3.6218% | 4,577 |
| Cash dividends to net income (ytd only)* | 25.7576% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 2,417 |
| Loan loss allowance to noncurrent loans | 69.3490% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 1,218 |
| Noncurrent loans to loans | 1.9070% | 968 |
| Net loans and leases to total assets | 50.9735% | 4,690 |
| Net loans and leases to deposits | 57.6786% | 4,814 |
| Net loans and leases to core deposits | 64.3718% | 4,614 |
| Total domestic deposits to total assets | 88.3751% | 1,454 |
| Equity capital to assets | 11.2981% | 2,329 |
| Core capital (leverage) ratio | 11.2731% | 2,109 |
| Tier 1 risk-based capital ratio | 21.1595% | 1,180 |
| Total risk-based capital ratio | 22.4095% | 1,167 |
| Memoranda: | ||
| Average total assets | $112,365,000 | 4,119 |
| Average earning assets | $102,407,200 | 4,154 |
| Average equity | $12,493,000 | 4,171 |
| Average total loans | $58,734,600 | 4,341 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 2,849 |
| Cost of funding earning assets | 0.5403% | 1,790 |
| Net interest margin | 3.5663% | 3,207 |
| Noninterest income to average assets | 0.5730% | 2,793 |
| Noninterest expense to average assets | 3.1723% | 1,847 |
| Loan and lease loss provision to assets | 0.0154% | 3,936 |
| Net operating income to assets | 0.4938% | 4,718 |
| Return on assets (ROA) | 0.4947% | 4,810 |
| Pretax return on assets | 0.6359% | 4,774 |
| Return on Equity (ROE) | 4.4676% | 4,733 |
| Retained earnings to average equity (ytd only) | 2.6463% | 4,329 |
| Net charge-offs to loans | 0.1290% | 1,671 |
| Credit loss provision to net charge-offs | 22.8070% | 3,276 |
| Earnings coverage of net charge-offs (x) | 9.6138% | 2,668 |
| Efficiency ratio | 82.9919% | 1,074 |
| Assets per employee ($millions) | 3.5759% | 4,679 |
| Cash dividends to net income (ytd only)* | 40.7669% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 2,343 |
| Loan loss allowance to noncurrent loans | 63.8844% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4208% | 1,298 |
| Noncurrent loans to loans | 2.1433% | 885 |
| Net loans and leases to total assets | 51.7266% | 4,675 |
| Net loans and leases to deposits | 58.5030% | 4,849 |
| Net loans and leases to core deposits | 66.5413% | 4,571 |
| Total domestic deposits to total assets | 88.4170% | 1,184 |
| Equity capital to assets | 11.3421% | 2,664 |
| Core capital (leverage) ratio | 11.3402% | 2,163 |
| Tier 1 risk-based capital ratio | 20.0796% | 1,431 |
| Total risk-based capital ratio | 21.3300% | 1,394 |
| Memoranda: | ||
| Average total assets | $112,387,250 | 4,153 |
| Average earning assets | $102,401,250 | 4,180 |
| Average equity | $12,445,000 | 4,213 |
| Average total loans | $58,918,750 | 4,366 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 2,813 |
| Cost of funding earning assets | 0.5381% | 1,790 |
| Net interest margin | 3.5727% | 3,199 |
| Noninterest income to average assets | 0.5846% | 2,699 |
| Noninterest expense to average assets | 3.5324% | 1,109 |
| Loan and lease loss provision to assets | 0.0177% | 3,770 |
| Net operating income to assets | 0.2498% | 5,427 |
| Return on assets (ROA) | 0.2498% | 5,495 |
| Pretax return on assets | 0.2923% | 5,510 |
| Return on Equity (ROE) | 2.2738% | 5,442 |
| Retained earnings to average equity (ytd only) | -0.4677% | 5,362 |
| Net charge-offs to loans | 0.1588% | 1,380 |
| Credit loss provision to net charge-offs | 21.2766% | 2,921 |
| Earnings coverage of net charge-offs (x) | 3.7234% | 3,068 |
| Efficiency ratio | 91.9318% | 500 |
| Assets per employee ($millions) | 3.7589% | 4,349 |
| Cash dividends to net income (ytd only)* | 120.5674% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 2,513 |
| Loan loss allowance to noncurrent loans | 64.0862% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 1,442 |
| Noncurrent loans to loans | 2.1117% | 921 |
| Net loans and leases to total assets | 51.9075% | 4,683 |
| Net loans and leases to deposits | 58.3787% | 4,881 |
| Net loans and leases to core deposits | 66.5552% | 4,568 |
| Total domestic deposits to total assets | 88.9151% | 955 |
| Equity capital to assets | 10.9146% | 3,153 |
| Core capital (leverage) ratio | 10.8934% | 2,535 |
| Tier 1 risk-based capital ratio | 19.3993% | 1,593 |
| Total risk-based capital ratio | 20.6493% | 1,554 |
| Memoranda: | ||
| Average total assets | $112,899,000 | 4,169 |
| Average earning assets | $102,946,670 | 4,198 |
| Average equity | $12,402,330 | 4,250 |
| Average total loans | $59,179,670 | 4,377 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,881 |
| Cost of funding earning assets | 0.5292% | 1,871 |
| Net interest margin | 3.5603% | 3,239 |
| Noninterest income to average assets | 0.5382% | 2,880 |
| Noninterest expense to average assets | 2.4999% | 4,068 |
| Loan and lease loss provision to assets | 0.0212% | 3,405 |
| Net operating income to assets | 0.8781% | 2,861 |
| Return on assets (ROA) | 0.8781% | 2,974 |
| Pretax return on assets | 1.2570% | 2,481 |
| Return on Equity (ROE) | 7.9682% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.9682% | 1,469 |
| Net charge-offs to loans | 0.0406% | 2,188 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 60.1667% | 781 |
| Efficiency ratio | 66.1668% | 3,774 |
| Assets per employee ($millions) | 3.7952% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 2,362 |
| Loan loss allowance to noncurrent loans | 366.8122% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 3,764 |
| Noncurrent loans to loans | 0.3857% | 4,058 |
| Net loans and leases to total assets | 51.4106% | 4,689 |
| Net loans and leases to deposits | 57.8926% | 4,860 |
| Net loans and leases to core deposits | 66.1087% | 4,529 |
| Total domestic deposits to total assets | 88.8034% | 1,206 |
| Equity capital to assets | 11.0473% | 2,889 |
| Core capital (leverage) ratio | 11.1860% | 2,237 |
| Tier 1 risk-based capital ratio | 19.8483% | 1,537 |
| Total risk-based capital ratio | 21.0997% | 1,502 |
| Memoranda: | ||
| Average total assets | $112,965,500 | 4,204 |
| Average earning assets | $102,801,500 | 4,237 |
| Average equity | $12,449,500 | 4,252 |
| Average total loans | $59,101,000 | 4,405 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 2,670 |
| Cost of funding earning assets | 0.5716% | 1,582 |
| Net interest margin | 3.5977% | 3,148 |
| Noninterest income to average assets | 0.5077% | 3,269 |
| Noninterest expense to average assets | 2.6467% | 3,765 |
| Loan and lease loss provision to assets | 0.2593% | 728 |
| Net operating income to assets | 0.6076% | 4,235 |
| Return on assets (ROA) | 0.6140% | 4,300 |
| Pretax return on assets | 0.8687% | 3,957 |
| Return on Equity (ROE) | 5.6024% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.0087% | 3,172 |
| Net charge-offs to loans | 0.5015% | 526 |
| Credit loss provision to net charge-offs | 101.0526% | 2,477 |
| Earnings coverage of net charge-offs (x) | 4.3614% | 3,567 |
| Efficiency ratio | 70.2845% | 3,177 |
| Assets per employee ($millions) | 3.6153% | 4,620 |
| Cash dividends to net income (ytd only)* | 28.4457% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 2,301 |
| Loan loss allowance to noncurrent loans | 64.4172% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 1,471 |
| Noncurrent loans to loans | 2.2166% | 888 |
| Net loans and leases to total assets | 51.7404% | 4,713 |
| Net loans and leases to deposits | 58.2145% | 4,899 |
| Net loans and leases to core deposits | 66.6230% | 4,538 |
| Total domestic deposits to total assets | 88.8789% | 1,186 |
| Equity capital to assets | 10.9935% | 2,829 |
| Core capital (leverage) ratio | 11.0289% | 2,374 |
| Tier 1 risk-based capital ratio | 51.8697% | 115 |
| Total risk-based capital ratio | 53.1470% | 113 |
| Memoranda: | ||
| Average total assets | $111,083,400 | 4,240 |
| Average earning assets | $100,593,200 | 4,273 |
| Average equity | $12,173,400 | 4,272 |
| Average total loans | $56,831,800 | 4,471 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 2,415 |
| Cost of funding earning assets | 0.5746% | 1,585 |
| Net interest margin | 3.6726% | 2,879 |
| Noninterest income to average assets | 0.4872% | 3,470 |
| Noninterest expense to average assets | 2.6886% | 3,599 |
| Loan and lease loss provision to assets | 0.0048% | 4,169 |
| Net operating income to assets | 0.7688% | 3,588 |
| Return on assets (ROA) | 0.7771% | 3,626 |
| Pretax return on assets | 1.1272% | 3,110 |
| Return on Equity (ROE) | 7.0969% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.1740% | 2,138 |
| Net charge-offs to loans | 0.0047% | 4,008 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 464.9064% | 156 |
| Efficiency ratio | 70.5938% | 3,116 |
| Assets per employee ($millions) | 3.7278% | 4,395 |
| Cash dividends to net income (ytd only)* | 13.0034% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 2,377 |
| Loan loss allowance to noncurrent loans | 27,966.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 4,241 |
| Noncurrent loans to loans | 0.0052% | 5,635 |
| Net loans and leases to total assets | 51.0601% | 4,850 |
| Net loans and leases to deposits | 57.5376% | 5,029 |
| Net loans and leases to core deposits | 65.8813% | 4,700 |
| Total domestic deposits to total assets | 88.7421% | 1,156 |
| Equity capital to assets | 11.0987% | 2,904 |
| Core capital (leverage) ratio | 11.2922% | 2,205 |
| Tier 1 risk-based capital ratio | 57.2954% | 99 |
| Total risk-based capital ratio | 58.5802% | 98 |
| Memoranda: | ||
| Average total assets | $110,835,500 | 4,292 |
| Average earning assets | $100,236,000 | 4,325 |
| Average equity | $12,136,500 | 4,330 |
| Average total loans | $56,332,750 | 4,533 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 2,401 |
| Cost of funding earning assets | 0.5742% | 1,613 |
| Net interest margin | 3.6628% | 2,865 |
| Noninterest income to average assets | 0.4887% | 3,453 |
| Noninterest expense to average assets | 2.5809% | 3,975 |
| Loan and lease loss provision to assets | 0.0036% | 4,012 |
| Net operating income to assets | 0.8161% | 3,303 |
| Return on assets (ROA) | 0.8271% | 3,345 |
| Pretax return on assets | 1.2108% | 2,730 |
| Return on Equity (ROE) | 7.5884% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.1936% | 2,121 |
| Net charge-offs to loans | 0.0036% | 3,772 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 662.0000% | 94 |
| Efficiency ratio | 68.2950% | 3,635 |
| Assets per employee ($millions) | 3.5689% | 4,680 |
| Cash dividends to net income (ytd only)* | 18.3807% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 2,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 2,195 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 50.9287% | 4,853 |
| Net loans and leases to deposits | 57.3334% | 5,038 |
| Net loans and leases to core deposits | 65.8405% | 4,671 |
| Total domestic deposits to total assets | 88.8290% | 1,234 |
| Equity capital to assets | 11.0372% | 2,848 |
| Core capital (leverage) ratio | 11.0053% | 2,415 |
| Tier 1 risk-based capital ratio | 56.7705% | 108 |
| Total risk-based capital ratio | 58.0552% | 107 |
| Memoranda: | ||
| Average total assets | $110,503,000 | 4,334 |
| Average earning assets | $99,267,000 | 4,385 |
| Average equity | $12,044,670 | 4,372 |
| Average total loans | $55,796,670 | 4,591 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,265 |
| Cost of funding earning assets | 0.5673% | 1,685 |
| Net interest margin | 3.6857% | 2,676 |
| Noninterest income to average assets | 0.4926% | 3,330 |
| Noninterest expense to average assets | 2.5680% | 4,038 |
| Loan and lease loss provision to assets | 0.0072% | 3,612 |
| Net operating income to assets | 0.8149% | 3,185 |
| Return on assets (ROA) | 0.8149% | 3,312 |
| Pretax return on assets | 1.1880% | 2,720 |
| Return on Equity (ROE) | 7.5241% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.5241% | 1,752 |
| Net charge-offs to loans | 0.0073% | 3,085 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 330.0000% | 167 |
| Efficiency ratio | 68.2387% | 3,783 |
| Assets per employee ($millions) | 3.6067% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 2,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 2,176 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 48.1651% | 5,014 |
| Net loans and leases to deposits | 54.1145% | 5,182 |
| Net loans and leases to core deposits | 60.6701% | 4,941 |
| Total domestic deposits to total assets | 89.0061% | 1,267 |
| Equity capital to assets | 10.7990% | 3,195 |
| Core capital (leverage) ratio | 10.4749% | 3,000 |
| Tier 1 risk-based capital ratio | 53.0686% | 134 |
| Total risk-based capital ratio | 54.3506% | 135 |
| Memoranda: | ||
| Average total assets | $110,437,000 | 4,359 |
| Average earning assets | $97,999,500 | 4,456 |
| Average equity | $11,961,500 | 4,421 |
| Average total loans | $55,103,500 | 4,639 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,883 |
| Cost of funding earning assets | 0.6359% | 1,506 |
| Net interest margin | 3.8603% | 2,392 |
| Noninterest income to average assets | 0.4570% | 3,790 |
| Noninterest expense to average assets | 2.8056% | 3,457 |
| Loan and lease loss provision to assets | 0.0346% | 3,899 |
| Net operating income to assets | 0.6482% | 4,155 |
| Return on assets (ROA) | 0.6482% | 4,256 |
| Pretax return on assets | 0.9213% | 3,820 |
| Return on Equity (ROE) | 6.1373% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.5685% | 2,925 |
| Net charge-offs to loans | 0.1904% | 2,144 |
| Credit loss provision to net charge-offs | 36.8932% | 3,735 |
| Earnings coverage of net charge-offs (x) | 10.1942% | 2,643 |
| Efficiency ratio | 74.5886% | 2,734 |
| Assets per employee ($millions) | 3.6356% | 4,653 |
| Cash dividends to net income (ytd only)* | 25.5618% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 2,439 |
| Loan loss allowance to noncurrent loans | 9,300.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 1.2699% | 2,220 |
| Noncurrent loans to loans | 0.0162% | 5,839 |
| Net loans and leases to total assets | 50.1343% | 4,958 |
| Net loans and leases to deposits | 56.3264% | 5,162 |
| Net loans and leases to core deposits | 63.3442% | 4,887 |
| Total domestic deposits to total assets | 89.0068% | 1,230 |
| Equity capital to assets | 10.8640% | 3,044 |
| Core capital (leverage) ratio | 10.9493% | 2,454 |
| Tier 1 risk-based capital ratio | 16.1321% | 2,902 |
| Total risk-based capital ratio | 17.2784% | 2,892 |
| Memoranda: | ||
| Average total assets | $109,850,000 | 4,387 |
| Average earning assets | $94,034,400 | 4,550 |
| Average equity | $11,601,200 | 4,436 |
| Average total loans | $54,092,200 | 4,691 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,956 |
| Cost of funding earning assets | 0.6407% | 1,524 |
| Net interest margin | 3.8371% | 2,488 |
| Noninterest income to average assets | 0.4374% | 3,972 |
| Noninterest expense to average assets | 2.7249% | 3,732 |
| Loan and lease loss provision to assets | 0.0424% | 3,550 |
| Net operating income to assets | 0.6700% | 4,105 |
| Return on assets (ROA) | 0.6700% | 4,198 |
| Pretax return on assets | 0.9571% | 3,770 |
| Return on Equity (ROE) | 6.3896% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.4421% | 2,799 |
| Net charge-offs to loans | 0.2456% | 1,567 |
| Credit loss provision to net charge-offs | 35.3535% | 3,367 |
| Earnings coverage of net charge-offs (x) | 8.3331% | 2,818 |
| Efficiency ratio | 73.1620% | 2,964 |
| Assets per employee ($millions) | 3.8563% | 4,176 |
| Cash dividends to net income (ytd only)* | 14.8282% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 2,549 |
| Loan loss allowance to noncurrent loans | 821.5686% | 667 |
| Noncurrent assets plus other real estate owned to assets | 1.5003% | 2,047 |
| Noncurrent loans to loans | 0.1874% | 5,348 |
| Net loans and leases to total assets | 49.6286% | 5,046 |
| Net loans and leases to deposits | 55.8157% | 5,255 |
| Net loans and leases to core deposits | 62.6609% | 4,991 |
| Total domestic deposits to total assets | 88.9151% | 1,292 |
| Equity capital to assets | 10.9191% | 3,048 |
| Core capital (leverage) ratio | 10.8577% | 2,627 |
| Tier 1 risk-based capital ratio | 16.3310% | 2,886 |
| Total risk-based capital ratio | 17.4987% | 2,885 |
| Memoranda: | ||
| Average total assets | $110,045,750 | 4,422 |
| Average earning assets | $94,269,250 | 4,594 |
| Average equity | $11,539,250 | 4,476 |
| Average total loans | $53,736,000 | 4,741 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,268 |
| Cost of funding earning assets | 0.6433% | 1,564 |
| Net interest margin | 3.7331% | 2,829 |
| Noninterest income to average assets | 0.4317% | 4,012 |
| Noninterest expense to average assets | 2.8789% | 3,243 |
| Loan and lease loss provision to assets | 0.0036% | 4,146 |
| Net operating income to assets | 0.5400% | 4,648 |
| Return on assets (ROA) | 0.5400% | 4,744 |
| Pretax return on assets | 0.7459% | 4,475 |
| Return on Equity (ROE) | 5.2201% | 4,574 |
| Retained earnings to average equity (ytd only) | 3.7885% | 3,769 |
| Net charge-offs to loans | 0.2803% | 1,417 |
| Credit loss provision to net charge-offs | 2.6667% | 3,383 |
| Earnings coverage of net charge-offs (x) | 5.5333% | 2,911 |
| Efficiency ratio | 79.3430% | 2,118 |
| Assets per employee ($millions) | 3.8126% | 4,230 |
| Cash dividends to net income (ytd only)* | 27.4247% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 2,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3729% | 2,379 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 49.3058% | 5,038 |
| Net loans and leases to deposits | 55.1297% | 5,272 |
| Net loans and leases to core deposits | 61.8371% | 4,982 |
| Total domestic deposits to total assets | 89.4361% | 1,132 |
| Equity capital to assets | 10.4337% | 3,525 |
| Core capital (leverage) ratio | 10.3838% | 3,100 |
| Tier 1 risk-based capital ratio | 15.7217% | 3,234 |
| Total risk-based capital ratio | 16.8584% | 3,240 |
| Memoranda: | ||
| Average total assets | $110,735,670 | 4,431 |
| Average earning assets | $94,826,670 | 4,620 |
| Average equity | $11,455,670 | 4,509 |
| Average total loans | $53,506,330 | 4,766 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,532 |
| Cost of funding earning assets | 0.6488% | 1,587 |
| Net interest margin | 3.6487% | 3,066 |
| Noninterest income to average assets | 0.4331% | 3,927 |
| Noninterest expense to average assets | 2.5483% | 4,460 |
| Loan and lease loss provision to assets | 0.0036% | 3,773 |
| Net operating income to assets | 0.7038% | 3,669 |
| Return on assets (ROA) | 0.7038% | 3,747 |
| Pretax return on assets | 1.0070% | 3,298 |
| Return on Equity (ROE) | 6.8328% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.8328% | 2,128 |
| Net charge-offs to loans | 0.5401% | 684 |
| Credit loss provision to net charge-offs | 1.4085% | 2,675 |
| Earnings coverage of net charge-offs (x) | 3.9437% | 2,597 |
| Efficiency ratio | 71.6024% | 3,556 |
| Assets per employee ($millions) | 3.7442% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 2,757 |
| Loan loss allowance to noncurrent loans | 62.7925% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 2.7981% | 1,066 |
| Noncurrent loans to loans | 2.5275% | 1,366 |
| Net loans and leases to total assets | 45.9293% | 5,337 |
| Net loans and leases to deposits | 51.2848% | 5,498 |
| Net loans and leases to core deposits | 56.7633% | 5,297 |
| Total domestic deposits to total assets | 89.5573% | 1,339 |
| Equity capital to assets | 10.2495% | 3,540 |
| Core capital (leverage) ratio | 10.4133% | 3,030 |
| Tier 1 risk-based capital ratio | 16.0942% | 3,127 |
| Total risk-based capital ratio | 17.2643% | 3,120 |
| Memoranda: | ||
| Average total assets | $110,821,000 | 4,472 |
| Average earning assets | $94,938,000 | 4,658 |
| Average equity | $11,415,500 | 4,519 |
| Average total loans | $52,587,500 | 4,840 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 1,397 |
| Cost of funding earning assets | 0.7874% | 1,276 |
| Net interest margin | 3.9755% | 2,020 |
| Noninterest income to average assets | 0.5062% | 3,714 |
| Noninterest expense to average assets | 2.6105% | 4,421 |
| Loan and lease loss provision to assets | 0.1586% | 2,302 |
| Net operating income to assets | 0.6612% | 3,981 |
| Return on assets (ROA) | 0.6750% | 4,010 |
| Pretax return on assets | 0.9977% | 3,359 |
| Return on Equity (ROE) | 6.6161% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.5766% | 2,234 |
| Net charge-offs to loans | 0.0387% | 4,689 |
| Credit loss provision to net charge-offs | 860.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 61.6000% | 673 |
| Efficiency ratio | 69.6776% | 3,885 |
| Assets per employee ($millions) | 3.6438% | 4,591 |
| Cash dividends to net income (ytd only)* | 15.7104% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 2,372 |
| Loan loss allowance to noncurrent loans | 64.5207% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 3.0536% | 1,026 |
| Noncurrent loans to loans | 2.6501% | 1,396 |
| Net loans and leases to total assets | 47.4317% | 5,353 |
| Net loans and leases to deposits | 53.0934% | 5,542 |
| Net loans and leases to core deposits | 58.1715% | 5,382 |
| Total domestic deposits to total assets | 89.3363% | 1,413 |
| Equity capital to assets | 10.3536% | 3,338 |
| Core capital (leverage) ratio | 10.3789% | 3,050 |
| Tier 1 risk-based capital ratio | 15.9020% | 3,145 |
| Total risk-based capital ratio | 17.1526% | 3,101 |
| Memoranda: | ||
| Average total assets | $108,448,400 | 4,537 |
| Average earning assets | $88,392,200 | 4,820 |
| Average equity | $11,064,000 | 4,620 |
| Average total loans | $51,673,400 | 4,903 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 1,282 |
| Cost of funding earning assets | 0.8161% | 1,230 |
| Net interest margin | 4.0160% | 1,895 |
| Noninterest income to average assets | 0.5248% | 3,634 |
| Noninterest expense to average assets | 2.5500% | 4,553 |
| Loan and lease loss provision to assets | 0.1897% | 1,931 |
| Net operating income to assets | 0.7020% | 3,849 |
| Return on assets (ROA) | 0.7207% | 3,886 |
| Pretax return on assets | 1.0434% | 3,323 |
| Return on Equity (ROE) | 7.0904% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.0904% | 1,831 |
| Net charge-offs to loans | 0.0078% | 5,007 |
| Credit loss provision to net charge-offs | 5,133.3333% | 57 |
| Earnings coverage of net charge-offs (x) | 326.3250% | 177 |
| Efficiency ratio | 67.8911% | 4,118 |
| Assets per employee ($millions) | 3.6260% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 2,623 |
| Loan loss allowance to noncurrent loans | 60.0266% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.5218% | 964 |
| Noncurrent loans to loans | 2.8310% | 1,468 |
| Net loans and leases to total assets | 47.9123% | 5,355 |
| Net loans and leases to deposits | 53.6242% | 5,570 |
| Net loans and leases to core deposits | 58.4949% | 5,410 |
| Total domestic deposits to total assets | 89.3482% | 1,388 |
| Equity capital to assets | 10.3751% | 3,421 |
| Core capital (leverage) ratio | 10.5055% | 2,998 |
| Tier 1 risk-based capital ratio | 15.8056% | 3,296 |
| Total risk-based capital ratio | 17.0562% | 3,251 |
| Memoranda: | ||
| Average total assets | $108,231,750 | 4,581 |
| Average earning assets | $87,082,000 | 4,898 |
| Average equity | $11,000,500 | 4,686 |
| Average total loans | $51,403,750 | 4,956 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 1,198 |
| Cost of funding earning assets | 0.8535% | 1,123 |
| Net interest margin | 4.0030% | 1,847 |
| Noninterest income to average assets | 0.5442% | 3,547 |
| Noninterest expense to average assets | 2.5581% | 4,534 |
| Loan and lease loss provision to assets | 0.1907% | 1,982 |
| Net operating income to assets | 0.6730% | 3,940 |
| Return on assets (ROA) | 0.7015% | 3,975 |
| Pretax return on assets | 1.0051% | 3,490 |
| Return on Equity (ROE) | 6.9507% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.9507% | 1,909 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8933% | 4,028 |
| Assets per employee ($millions) | 3.5840% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 2,912 |
| Loan loss allowance to noncurrent loans | 451.3228% | 960 |
| Noncurrent assets plus other real estate owned to assets | 2.3642% | 1,815 |
| Noncurrent loans to loans | 0.3693% | 5,354 |
| Net loans and leases to total assets | 46.8090% | 5,443 |
| Net loans and leases to deposits | 52.2584% | 5,668 |
| Net loans and leases to core deposits | 58.4263% | 5,383 |
| Total domestic deposits to total assets | 89.5722% | 1,277 |
| Equity capital to assets | 10.3060% | 3,536 |
| Core capital (leverage) ratio | 10.2194% | 3,201 |
| Tier 1 risk-based capital ratio | 15.9636% | 3,215 |
| Total risk-based capital ratio | 17.1997% | 3,164 |
| Memoranda: | ||
| Average total assets | $108,049,000 | 4,606 |
| Average earning assets | $85,535,000 | 4,964 |
| Average equity | $10,905,330 | 4,746 |
| Average total loans | $50,865,000 | 4,988 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 1,017 |
| Cost of funding earning assets | 0.8891% | 1,039 |
| Net interest margin | 4.0366% | 1,660 |
| Noninterest income to average assets | 0.5429% | 3,486 |
| Noninterest expense to average assets | 2.4743% | 4,847 |
| Loan and lease loss provision to assets | 0.1920% | 1,922 |
| Net operating income to assets | 0.7039% | 3,665 |
| Return on assets (ROA) | 0.7608% | 3,518 |
| Pretax return on assets | 1.0931% | 2,980 |
| Return on Equity (ROE) | 7.6173% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.6173% | 1,891 |
| Net charge-offs to loans | 0.0079% | 3,992 |
| Credit loss provision to net charge-offs | 5,200.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 116 |
| Efficiency ratio | 67.2691% | 4,452 |
| Assets per employee ($millions) | 3.6505% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,465 |
| Loan loss allowance to noncurrent loans | 3,204.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 2.3750% | 1,959 |
| Noncurrent loans to loans | 0.0494% | 6,334 |
| Net loans and leases to total assets | 45.4509% | 5,494 |
| Net loans and leases to deposits | 50.5453% | 5,747 |
| Net loans and leases to core deposits | 55.5678% | 5,551 |
| Total domestic deposits to total assets | 89.9211% | 1,097 |
| Equity capital to assets | 9.9611% | 4,196 |
| Core capital (leverage) ratio | 10.0801% | 3,295 |
| Tier 1 risk-based capital ratio | 12.8639% | 5,325 |
| Total risk-based capital ratio | 13.8142% | 5,487 |
| Memoranda: | ||
| Average total assets | $108,313,500 | 4,650 |
| Average earning assets | $84,131,000 | 5,040 |
| Average equity | $10,817,500 | 4,804 |
| Average total loans | $50,706,500 | 5,029 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 716 |
| Cost of funding earning assets | 1.1156% | 853 |
| Net interest margin | 4.3162% | 1,368 |
| Noninterest income to average assets | 0.5976% | 3,288 |
| Noninterest expense to average assets | 2.9000% | 3,640 |
| Loan and lease loss provision to assets | 0.1932% | 3,220 |
| Net operating income to assets | 0.5439% | 4,507 |
| Return on assets (ROA) | 0.5446% | 4,750 |
| Pretax return on assets | 0.7520% | 4,471 |
| Return on Equity (ROE) | 5.4316% | 4,466 |
| Retained earnings to average equity (ytd only) | 4.2036% | 3,271 |
| Net charge-offs to loans | 0.7588% | 1,543 |
| Credit loss provision to net charge-offs | 50.3704% | 4,693 |
| Earnings coverage of net charge-offs (x) | 2.4617% | 4,178 |
| Efficiency ratio | 75.4373% | 2,841 |
| Assets per employee ($millions) | 3.6935% | 4,580 |
| Cash dividends to net income (ytd only)* | 22.6087% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 3,842 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 2.4610% | 1,990 |
| Noncurrent loans to loans | 0.0492% | 6,376 |
| Net loans and leases to total assets | 46.7608% | 5,540 |
| Net loans and leases to deposits | 52.0379% | 5,803 |
| Net loans and leases to core deposits | 57.8902% | 5,556 |
| Total domestic deposits to total assets | 89.8591% | 1,035 |
| Equity capital to assets | 10.0139% | 4,146 |
| Core capital (leverage) ratio | 10.0640% | 3,322 |
| Tier 1 risk-based capital ratio | 12.5079% | 5,471 |
| Total risk-based capital ratio | 13.3901% | 5,655 |
| Memoranda: | ||
| Average total assets | $105,585,000 | 4,689 |
| Average earning assets | $79,421,800 | 5,143 |
| Average equity | $10,586,200 | 4,849 |
| Average total loans | $53,375,400 | 4,969 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5084% | 669 |
| Cost of funding earning assets | 1.1512% | 862 |
| Net interest margin | 4.3572% | 1,330 |
| Noninterest income to average assets | 0.6033% | 3,252 |
| Noninterest expense to average assets | 2.9048% | 3,582 |
| Loan and lease loss provision to assets | 0.1331% | 3,879 |
| Net operating income to assets | 0.5868% | 4,450 |
| Return on assets (ROA) | 0.5868% | 4,722 |
| Pretax return on assets | 0.8225% | 4,408 |
| Return on Equity (ROE) | 5.8507% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.8507% | 2,788 |
| Net charge-offs to loans | 0.8270% | 1,324 |
| Credit loss provision to net charge-offs | 31.3433% | 4,780 |
| Earnings coverage of net charge-offs (x) | 2.2507% | 4,138 |
| Efficiency ratio | 75.2462% | 2,787 |
| Assets per employee ($millions) | 3.6351% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 4,359 |
| Loan loss allowance to noncurrent loans | 828.7356% | 513 |
| Noncurrent assets plus other real estate owned to assets | 2.7671% | 1,900 |
| Noncurrent loans to loans | 0.1693% | 6,185 |
| Net loans and leases to total assets | 48.0634% | 5,537 |
| Net loans and leases to deposits | 53.6244% | 5,833 |
| Net loans and leases to core deposits | 60.5391% | 5,502 |
| Total domestic deposits to total assets | 89.6298% | 1,055 |
| Equity capital to assets | 10.1957% | 4,210 |
| Core capital (leverage) ratio | 10.2139% | 3,267 |
| Tier 1 risk-based capital ratio | 12.6455% | 5,527 |
| Total risk-based capital ratio | 13.5016% | 5,775 |
| Memoranda: | ||
| Average total assets | $105,203,500 | 4,746 |
| Average earning assets | $78,642,000 | 5,220 |
| Average equity | $10,551,250 | 4,903 |
| Average total loans | $54,010,250 | 4,993 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5420% | 656 |
| Cost of funding earning assets | 1.1881% | 861 |
| Net interest margin | 4.3539% | 1,331 |
| Noninterest income to average assets | 0.6259% | 3,097 |
| Noninterest expense to average assets | 2.5834% | 4,838 |
| Loan and lease loss provision to assets | 0.1541% | 3,593 |
| Net operating income to assets | 0.7762% | 3,482 |
| Return on assets (ROA) | 0.7762% | 3,751 |
| Pretax return on assets | 1.1300% | 3,194 |
| Return on Equity (ROE) | 7.7820% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.7820% | 1,727 |
| Net charge-offs to loans | 1.2062% | 895 |
| Credit loss provision to net charge-offs | 24.4713% | 4,539 |
| Earnings coverage of net charge-offs (x) | 2.0393% | 3,971 |
| Efficiency ratio | 66.7978% | 4,361 |
| Assets per employee ($millions) | 3.7761% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 4,778 |
| Loan loss allowance to noncurrent loans | 1,015.9420% | 402 |
| Noncurrent assets plus other real estate owned to assets | 3.2516% | 1,668 |
| Noncurrent loans to loans | 0.1303% | 6,337 |
| Net loans and leases to total assets | 49.4240% | 5,431 |
| Net loans and leases to deposits | 55.0735% | 5,761 |
| Net loans and leases to core deposits | 61.4051% | 5,444 |
| Total domestic deposits to total assets | 89.7420% | 1,076 |
| Equity capital to assets | 10.1114% | 4,175 |
| Core capital (leverage) ratio | 10.0455% | 3,357 |
| Tier 1 risk-based capital ratio | 12.2998% | 5,720 |
| Total risk-based capital ratio | 13.1139% | 5,989 |
| Memoranda: | ||
| Average total assets | $105,132,330 | 4,769 |
| Average earning assets | $78,275,000 | 5,262 |
| Average equity | $10,485,670 | 4,913 |
| Average total loans | $54,884,330 | 4,993 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 783 |
| Cost of funding earning assets | 1.2118% | 934 |
| Net interest margin | 4.2722% | 1,554 |
| Noninterest income to average assets | 0.6639% | 2,844 |
| Noninterest expense to average assets | 2.5183% | 5,090 |
| Loan and lease loss provision to assets | 0.1946% | 2,993 |
| Net operating income to assets | 0.7708% | 3,523 |
| Return on assets (ROA) | 0.7708% | 3,761 |
| Pretax return on assets | 1.1256% | 3,218 |
| Return on Equity (ROE) | 7.7820% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.7820% | 2,058 |
| Net charge-offs to loans | 0.5372% | 1,744 |
| Credit loss provision to net charge-offs | 68.0000% | 2,958 |
| Earnings coverage of net charge-offs (x) | 4.6133% | 2,542 |
| Efficiency ratio | 65.6064% | 4,633 |
| Assets per employee ($millions) | 3.8245% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 3,402 |
| Loan loss allowance to noncurrent loans | 50.4078% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 3.6419% | 1,558 |
| Noncurrent loans to loans | 3.3458% | 1,898 |
| Net loans and leases to total assets | 50.4613% | 5,240 |
| Net loans and leases to deposits | 56.0253% | 5,597 |
| Net loans and leases to core deposits | 62.2568% | 5,295 |
| Total domestic deposits to total assets | 90.0687% | 1,049 |
| Equity capital to assets | 9.7865% | 4,400 |
| Core capital (leverage) ratio | 10.0435% | 3,315 |
| Tier 1 risk-based capital ratio | 12.0392% | 5,932 |
| Total risk-based capital ratio | 13.1119% | 6,030 |
| Memoranda: | ||
| Average total assets | $104,832,500 | 4,814 |
| Average earning assets | $77,899,500 | 5,304 |
| Average equity | $10,383,000 | 4,948 |
| Average total loans | $55,847,500 | 4,986 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9248% | 493 |
| Cost of funding earning assets | 1.4327% | 913 |
| Net interest margin | 4.4920% | 1,156 |
| Noninterest income to average assets | 0.6929% | 2,639 |
| Noninterest expense to average assets | 2.8892% | 4,000 |
| Loan and lease loss provision to assets | 0.7324% | 1,387 |
| Net operating income to assets | 0.3138% | 5,205 |
| Return on assets (ROA) | 0.3830% | 5,112 |
| Pretax return on assets | 0.5271% | 4,909 |
| Return on Equity (ROE) | 3.7863% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.5665% | 4,402 |
| Net charge-offs to loans | 0.6778% | 2,460 |
| Credit loss provision to net charge-offs | 189.7698% | 1,350 |
| Earnings coverage of net charge-offs (x) | 3.0179% | 3,700 |
| Efficiency ratio | 71.2686% | 3,737 |
| Assets per employee ($millions) | 3.6635% | 4,635 |
| Cash dividends to net income (ytd only)* | 32.2165% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 3,293 |
| Loan loss allowance to noncurrent loans | 41.5103% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 4.0583% | 1,411 |
| Noncurrent loans to loans | 4.0384% | 1,546 |
| Net loans and leases to total assets | 54.3776% | 4,981 |
| Net loans and leases to deposits | 60.5600% | 5,430 |
| Net loans and leases to core deposits | 66.3732% | 5,216 |
| Total domestic deposits to total assets | 89.7913% | 1,104 |
| Equity capital to assets | 10.0274% | 4,136 |
| Core capital (leverage) ratio | 10.0523% | 3,275 |
| Tier 1 risk-based capital ratio | 11.8460% | 5,935 |
| Total risk-based capital ratio | 12.9501% | 6,012 |
| Memoranda: | ||
| Average total assets | $101,308,000 | 4,859 |
| Average earning assets | $75,800,600 | 5,349 |
| Average equity | $10,247,400 | 4,957 |
| Average total loans | $57,683,400 | 4,961 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 606 |
| Cost of funding earning assets | 1.4597% | 992 |
| Net interest margin | 4.4020% | 1,403 |
| Noninterest income to average assets | 0.6984% | 2,621 |
| Noninterest expense to average assets | 2.6589% | 4,875 |
| Loan and lease loss provision to assets | 0.7116% | 1,349 |
| Net operating income to assets | 0.4388% | 4,821 |
| Return on assets (ROA) | 0.5162% | 4,660 |
| Pretax return on assets | 0.7486% | 4,315 |
| Return on Equity (ROE) | 5.0921% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.0921% | 3,114 |
| Net charge-offs to loans | 0.7711% | 2,021 |
| Credit loss provision to net charge-offs | 160.8955% | 1,911 |
| Earnings coverage of net charge-offs (x) | 3.0477% | 3,611 |
| Efficiency ratio | 66.3591% | 4,646 |
| Assets per employee ($millions) | 3.8459% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 4,494 |
| Loan loss allowance to noncurrent loans | 51.8041% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 3.3234% | 1,911 |
| Noncurrent loans to loans | 2.7304% | 2,564 |
| Net loans and leases to total assets | 53.9653% | 5,166 |
| Net loans and leases to deposits | 60.1837% | 5,609 |
| Net loans and leases to core deposits | 66.0712% | 5,410 |
| Total domestic deposits to total assets | 89.6677% | 1,058 |
| Equity capital to assets | 10.0396% | 4,284 |
| Core capital (leverage) ratio | 10.2979% | 3,087 |
| Tier 1 risk-based capital ratio | 11.6632% | 6,132 |
| Total risk-based capital ratio | 12.5717% | 6,340 |
| Memoranda: | ||
| Average total assets | $100,990,250 | 4,894 |
| Average earning assets | $75,903,500 | 5,385 |
| Average equity | $10,237,750 | 4,981 |
| Average total loans | $57,921,500 | 5,000 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 756 |
| Cost of funding earning assets | 1.4721% | 1,107 |
| Net interest margin | 4.3015% | 1,643 |
| Noninterest income to average assets | 0.7137% | 2,471 |
| Noninterest expense to average assets | 2.7869% | 4,480 |
| Loan and lease loss provision to assets | 0.4358% | 2,250 |
| Net operating income to assets | 0.5387% | 4,342 |
| Return on assets (ROA) | 0.6297% | 4,034 |
| Pretax return on assets | 0.9256% | 3,530 |
| Return on Equity (ROE) | 6.1914% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.1914% | 2,304 |
| Net charge-offs to loans | 0.4633% | 2,727 |
| Credit loss provision to net charge-offs | 161.4815% | 1,875 |
| Earnings coverage of net charge-offs (x) | 4.5481% | 2,831 |
| Efficiency ratio | 69.4223% | 4,233 |
| Assets per employee ($millions) | 3.7515% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,611 |
| Loan loss allowance to noncurrent loans | 39.0956% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 3.5235% | 1,864 |
| Noncurrent loans to loans | 3.0334% | 2,390 |
| Net loans and leases to total assets | 56.1852% | 4,965 |
| Net loans and leases to deposits | 62.7813% | 5,419 |
| Net loans and leases to core deposits | 68.6738% | 5,222 |
| Total domestic deposits to total assets | 89.4935% | 1,247 |
| Equity capital to assets | 10.2231% | 3,855 |
| Core capital (leverage) ratio | 10.2853% | 2,947 |
| Tier 1 risk-based capital ratio | 12.4818% | 5,365 |
| Total risk-based capital ratio | 13.3148% | 5,703 |
| Memoranda: | ||
| Average total assets | $100,040,670 | 4,963 |
| Average earning assets | $76,763,330 | 5,407 |
| Average equity | $10,175,330 | 4,999 |
| Average total loans | $58,281,670 | 5,038 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8128% | 725 |
| Cost of funding earning assets | 1.5223% | 1,085 |
| Net interest margin | 4.2905% | 1,586 |
| Noninterest income to average assets | 0.6759% | 2,697 |
| Noninterest expense to average assets | 2.8366% | 4,308 |
| Loan and lease loss provision to assets | 0.2374% | 3,292 |
| Net operating income to assets | 0.6038% | 4,014 |
| Return on assets (ROA) | 0.7685% | 3,252 |
| Pretax return on assets | 1.1628% | 2,501 |
| Return on Equity (ROE) | 7.5752% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.5752% | 1,907 |
| Net charge-offs to loans | 0.4162% | 2,438 |
| Credit loss provision to net charge-offs | 96.7213% | 2,820 |
| Earnings coverage of net charge-offs (x) | 4.6885% | 2,416 |
| Efficiency ratio | 71.1403% | 4,024 |
| Assets per employee ($millions) | 3.6216% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 6,289 |
| Loan loss allowance to noncurrent loans | 36.6871% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 3.4002% | 2,009 |
| Noncurrent loans to loans | 2.8043% | 2,695 |
| Net loans and leases to total assets | 56.7299% | 4,866 |
| Net loans and leases to deposits | 63.1915% | 5,362 |
| Net loans and leases to core deposits | 69.0808% | 5,158 |
| Total domestic deposits to total assets | 89.7747% | 1,307 |
| Equity capital to assets | 10.0360% | 3,735 |
| Core capital (leverage) ratio | 10.1830% | 2,942 |
| Tier 1 risk-based capital ratio | 12.4945% | 5,273 |
| Total risk-based capital ratio | 13.2344% | 5,692 |
| Memoranda: | ||
| Average total assets | $99,416,000 | 5,015 |
| Average earning assets | $76,727,000 | 5,455 |
| Average equity | $10,085,500 | 5,026 |
| Average total loans | $58,626,000 | 5,063 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0234% | 811 |
| Cost of funding earning assets | 1.8245% | 1,077 |
| Net interest margin | 4.1989% | 2,191 |
| Noninterest income to average assets | 0.6220% | 3,330 |
| Noninterest expense to average assets | 2.9571% | 4,010 |
| Loan and lease loss provision to assets | 0.5967% | 2,753 |
| Net operating income to assets | 0.3779% | 4,651 |
| Return on assets (ROA) | 0.3795% | 4,785 |
| Pretax return on assets | 0.4913% | 4,648 |
| Return on Equity (ROE) | 3.6346% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.3726% | 4,213 |
| Net charge-offs to loans | 0.8198% | 2,589 |
| Credit loss provision to net charge-offs | 112.5249% | 3,879 |
| Earnings coverage of net charge-offs (x) | 2.0477% | 4,196 |
| Efficiency ratio | 73.1421% | 3,571 |
| Assets per employee ($millions) | 3.2476% | 5,543 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,315 |
| Loan loss allowance to noncurrent loans | 32.1888% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 3.7372% | 1,839 |
| Noncurrent loans to loans | 3.1525% | 2,415 |
| Net loans and leases to total assets | 60.0727% | 4,666 |
| Net loans and leases to deposits | 67.1058% | 5,231 |
| Net loans and leases to core deposits | 73.6856% | 5,020 |
| Total domestic deposits to total assets | 89.5193% | 1,373 |
| Equity capital to assets | 10.2579% | 3,436 |
| Core capital (leverage) ratio | 10.3578% | 2,708 |
| Tier 1 risk-based capital ratio | 12.4426% | 5,072 |
| Total risk-based capital ratio | 13.1959% | 5,502 |
| Memoranda: | ||
| Average total assets | $94,858,000 | 5,132 |
| Average earning assets | $77,281,600 | 5,438 |
| Average equity | $9,904,800 | 5,161 |
| Average total loans | $61,355,000 | 5,012 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9788% | 977 |
| Cost of funding earning assets | 1.8455% | 1,237 |
| Net interest margin | 4.1332% | 2,471 |
| Noninterest income to average assets | 0.6906% | 2,872 |
| Noninterest expense to average assets | 3.0114% | 3,702 |
| Loan and lease loss provision to assets | 0.5505% | 2,743 |
| Net operating income to assets | 0.3773% | 4,855 |
| Return on assets (ROA) | 0.3793% | 5,030 |
| Pretax return on assets | 0.5448% | 4,775 |
| Return on Equity (ROE) | 3.6157% | 4,953 |
| Retained earnings to average equity (ytd only) | 1.9293% | 4,993 |
| Net charge-offs to loans | 0.3984% | 3,692 |
| Credit loss provision to net charge-offs | 210.2703% | 1,668 |
| Earnings coverage of net charge-offs (x) | 4.1730% | 3,162 |
| Efficiency ratio | 73.3793% | 3,443 |
| Assets per employee ($millions) | 3.0695% | 5,989 |
| Cash dividends to net income (ytd only)* | 46.6417% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,448 |
| Loan loss allowance to noncurrent loans | 34.1790% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 3.8443% | 1,838 |
| Noncurrent loans to loans | 3.5396% | 2,220 |
| Net loans and leases to total assets | 63.5902% | 4,205 |
| Net loans and leases to deposits | 71.2387% | 4,961 |
| Net loans and leases to core deposits | 78.4260% | 4,751 |
| Total domestic deposits to total assets | 89.2636% | 1,246 |
| Equity capital to assets | 10.4390% | 3,588 |
| Core capital (leverage) ratio | 10.3801% | 2,824 |
| Tier 1 risk-based capital ratio | 12.5890% | 4,904 |
| Total risk-based capital ratio | 13.5375% | 5,166 |
| Memoranda: | ||
| Average total assets | $94,215,750 | 5,217 |
| Average earning assets | $77,806,750 | 5,488 |
| Average equity | $9,882,500 | 5,232 |
| Average total loans | $61,912,000 | 5,067 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8757% | 1,243 |
| Cost of funding earning assets | 1.8536% | 1,417 |
| Net interest margin | 4.0221% | 2,913 |
| Noninterest income to average assets | 0.7476% | 2,411 |
| Noninterest expense to average assets | 2.9648% | 3,838 |
| Loan and lease loss provision to assets | 0.8285% | 1,753 |
| Net operating income to assets | 0.2460% | 5,393 |
| Return on assets (ROA) | 0.2492% | 5,519 |
| Pretax return on assets | 0.3323% | 5,415 |
| Return on Equity (ROE) | 2.3719% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.3719% | 4,650 |
| Net charge-offs to loans | 0.5923% | 2,750 |
| Credit loss provision to net charge-offs | 211.4130% | 1,839 |
| Earnings coverage of net charge-offs (x) | 2.9511% | 3,522 |
| Efficiency ratio | 71.9380% | 3,824 |
| Assets per employee ($millions) | 3.0973% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,393 |
| Loan loss allowance to noncurrent loans | 32.1630% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 4.3931% | 1,519 |
| Noncurrent loans to loans | 3.7640% | 2,059 |
| Net loans and leases to total assets | 63.0620% | 4,454 |
| Net loans and leases to deposits | 70.5206% | 5,203 |
| Net loans and leases to core deposits | 78.2924% | 4,894 |
| Total domestic deposits to total assets | 89.4235% | 1,214 |
| Equity capital to assets | 10.3130% | 3,633 |
| Core capital (leverage) ratio | 10.3681% | 2,748 |
| Tier 1 risk-based capital ratio | 12.7127% | 4,678 |
| Total risk-based capital ratio | 13.6678% | 4,908 |
| Memoranda: | ||
| Average total assets | $93,903,330 | 5,253 |
| Average earning assets | $78,765,670 | 5,481 |
| Average equity | $9,865,670 | 5,240 |
| Average total loans | $62,133,000 | 5,100 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1716% | 679 |
| Cost of funding earning assets | 1.8706% | 1,567 |
| Net interest margin | 4.3009% | 1,691 |
| Noninterest income to average assets | 0.8832% | 1,692 |
| Noninterest expense to average assets | 3.0545% | 3,460 |
| Loan and lease loss provision to assets | 0.3791% | 3,093 |
| Net operating income to assets | 0.7410% | 3,257 |
| Return on assets (ROA) | 0.7410% | 3,357 |
| Pretax return on assets | 1.1244% | 2,656 |
| Return on Equity (ROE) | 6.9865% | 3,347 |
| Retained earnings to average equity (ytd only) | 6.9865% | 2,137 |
| Net charge-offs to loans | 0.3517% | 3,001 |
| Credit loss provision to net charge-offs | 160.0000% | 2,250 |
| Earnings coverage of net charge-offs (x) | 6.3455% | 2,240 |
| Efficiency ratio | 67.0132% | 4,918 |
| Assets per employee ($millions) | 3.1335% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,801 |
| Loan loss allowance to noncurrent loans | 262.6728% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 3,714 |
| Noncurrent loans to loans | 0.3479% | 6,606 |
| Net loans and leases to total assets | 65.7458% | 3,920 |
| Net loans and leases to deposits | 73.7803% | 4,781 |
| Net loans and leases to core deposits | 80.8384% | 4,653 |
| Total domestic deposits to total assets | 89.1103% | 1,464 |
| Equity capital to assets | 10.5653% | 3,184 |
| Core capital (leverage) ratio | 10.5913% | 2,545 |
| Tier 1 risk-based capital ratio | 13.2227% | 4,192 |
| Total risk-based capital ratio | 13.9819% | 4,495 |
| Memoranda: | ||
| Average total assets | $92,847,500 | 5,358 |
| Average earning assets | $79,331,500 | 5,529 |
| Average equity | $9,847,500 | 5,286 |
| Average total loans | $62,554,000 | 5,148 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 1,017 |
| Cost of funding earning assets | 2.3521% | 1,450 |
| Net interest margin | 3.9538% | 3,062 |
| Noninterest income to average assets | 0.6752% | 3,114 |
| Noninterest expense to average assets | 3.1724% | 3,469 |
| Loan and lease loss provision to assets | 0.2059% | 5,698 |
| Net operating income to assets | 0.4323% | 3,998 |
| Return on assets (ROA) | 0.4671% | 3,985 |
| Pretax return on assets | 0.6962% | 3,589 |
| Return on Equity (ROE) | 4.3562% | 3,943 |
| Retained earnings to average equity (ytd only) | -0.4232% | 5,071 |
| Net charge-offs to loans | 0.2578% | 5,009 |
| Credit loss provision to net charge-offs | 120.7792% | 4,423 |
| Earnings coverage of net charge-offs (x) | 4.9870% | 2,728 |
| Efficiency ratio | 78.8663% | 3,064 |
| Assets per employee ($millions) | 2.9577% | 6,325 |
| Cash dividends to net income (ytd only)* | 109.7156% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 6,965 |
| Loan loss allowance to noncurrent loans | 46.7770% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 2.0079% | 3,384 |
| Noncurrent loans to loans | 1.8300% | 3,883 |
| Net loans and leases to total assets | 67.8337% | 3,739 |
| Net loans and leases to deposits | 76.2327% | 4,701 |
| Net loans and leases to core deposits | 113.6810% | 2,532 |
| Total domestic deposits to total assets | 88.9823% | 1,490 |
| Equity capital to assets | 10.6480% | 3,025 |
| Core capital (leverage) ratio | 10.6947% | 2,437 |
| Tier 1 risk-based capital ratio | 13.1397% | 4,054 |
| Total risk-based capital ratio | 13.8629% | 4,374 |
| Memoranda: | ||
| Average total assets | $90,343,000 | 5,381 |
| Average earning assets | $76,483,800 | 5,582 |
| Average equity | $9,687,400 | 5,387 |
| Average total loans | $59,735,000 | 5,263 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4518% | 837 |
| Cost of funding earning assets | 2.4458% | 1,462 |
| Net interest margin | 4.0060% | 2,787 |
| Noninterest income to average assets | 0.6399% | 3,422 |
| Noninterest expense to average assets | 3.1330% | 3,524 |
| Loan and lease loss provision to assets | 0.1141% | 6,227 |
| Net operating income to assets | 0.5110% | 3,934 |
| Return on assets (ROA) | 0.5540% | 3,862 |
| Pretax return on assets | 0.8355% | 3,423 |
| Return on Equity (ROE) | 5.1575% | 3,901 |
| Retained earnings to average equity (ytd only) | -1.0204% | 5,495 |
| Net charge-offs to loans | 0.0791% | 5,885 |
| Credit loss provision to net charge-offs | 220.0000% | 1,998 |
| Earnings coverage of net charge-offs (x) | 17.0555% | 1,426 |
| Efficiency ratio | 77.9867% | 3,169 |
| Assets per employee ($millions) | 2.8342% | 6,572 |
| Cash dividends to net income (ytd only)* | 119.7874% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 6,811 |
| Loan loss allowance to noncurrent loans | 176.4516% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,919 |
| Noncurrent loans to loans | 0.5030% | 6,300 |
| Net loans and leases to total assets | 67.3580% | 4,102 |
| Net loans and leases to deposits | 75.9322% | 5,060 |
| Net loans and leases to core deposits | 111.7209% | 3,049 |
| Total domestic deposits to total assets | 88.7081% | 1,335 |
| Equity capital to assets | 10.7417% | 3,252 |
| Core capital (leverage) ratio | 10.7894% | 2,566 |
| Tier 1 risk-based capital ratio | 13.2645% | 4,010 |
| Total risk-based capital ratio | 14.0106% | 4,291 |
| Memoranda: | ||
| Average total assets | $90,006,500 | 5,426 |
| Average earning assets | $75,883,750 | 5,633 |
| Average equity | $9,668,500 | 5,438 |
| Average total loans | $58,985,500 | 5,339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4021% | 1,007 |
| Cost of funding earning assets | 2.5358% | 1,492 |
| Net interest margin | 3.8663% | 3,267 |
| Noninterest income to average assets | 0.6215% | 3,530 |
| Noninterest expense to average assets | 3.2302% | 3,235 |
| Loan and lease loss provision to assets | 0.0869% | 6,298 |
| Net operating income to assets | 0.3700% | 4,623 |
| Return on assets (ROA) | 0.4366% | 4,464 |
| Pretax return on assets | 0.6394% | 4,201 |
| Return on Equity (ROE) | 4.0647% | 4,468 |
| Retained earnings to average equity (ytd only) | -5.2260% | 6,339 |
| Net charge-offs to loans | 0.1033% | 5,130 |
| Credit loss provision to net charge-offs | 130.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,136 |
| Efficiency ratio | 83.7182% | 2,512 |
| Assets per employee ($millions) | 2.8420% | 6,533 |
| Cash dividends to net income (ytd only)* | 228.5714% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 6,973 |
| Loan loss allowance to noncurrent loans | 236.8664% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 5,072 |
| Noncurrent loans to loans | 0.3597% | 6,610 |
| Net loans and leases to total assets | 65.7745% | 4,616 |
| Net loans and leases to deposits | 73.9069% | 5,467 |
| Net loans and leases to core deposits | 109.5849% | 3,422 |
| Total domestic deposits to total assets | 88.9965% | 1,275 |
| Equity capital to assets | 10.4559% | 3,462 |
| Core capital (leverage) ratio | 10.4194% | 2,886 |
| Tier 1 risk-based capital ratio | 12.8153% | 4,277 |
| Total risk-based capital ratio | 13.5055% | 4,634 |
| Memoranda: | ||
| Average total assets | $89,777,670 | 5,467 |
| Average earning assets | $75,162,330 | 5,705 |
| Average equity | $9,644,000 | 5,476 |
| Average total loans | $58,102,000 | 5,418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3192% | 1,243 |
| Cost of funding earning assets | 2.6141% | 1,517 |
| Net interest margin | 3.7051% | 3,870 |
| Noninterest income to average assets | 0.6592% | 3,141 |
| Noninterest expense to average assets | 2.9957% | 3,787 |
| Loan and lease loss provision to assets | 0.0314% | 6,540 |
| Net operating income to assets | 0.4827% | 4,503 |
| Return on assets (ROA) | 0.4888% | 4,664 |
| Pretax return on assets | 0.7175% | 4,370 |
| Return on Equity (ROE) | 4.4895% | 4,713 |
| Retained earnings to average equity (ytd only) | -10.8737% | 7,190 |
| Net charge-offs to loans | 0.0983% | 4,193 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 11.7857% | 1,850 |
| Efficiency ratio | 80.1921% | 2,783 |
| Assets per employee ($millions) | 2.8510% | 6,527 |
| Cash dividends to net income (ytd only)* | 342.2018% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,933 |
| Loan loss allowance to noncurrent loans | 86.7596% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0841% | 4,519 |
| Noncurrent loans to loans | 0.9875% | 5,023 |
| Net loans and leases to total assets | 63.1693% | 5,129 |
| Net loans and leases to deposits | 70.9790% | 5,870 |
| Net loans and leases to core deposits | 102.3260% | 4,306 |
| Total domestic deposits to total assets | 88.9972% | 1,228 |
| Equity capital to assets | 10.5019% | 3,460 |
| Core capital (leverage) ratio | 10.7364% | 2,712 |
| Tier 1 risk-based capital ratio | 12.8801% | 4,269 |
| Total risk-based capital ratio | 13.5529% | 4,622 |
| Memoranda: | ||
| Average total assets | $89,194,500 | 5,515 |
| Average earning assets | $74,059,500 | 5,766 |
| Average equity | $9,711,500 | 5,473 |
| Average total loans | $56,987,000 | 5,502 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8806% | 1,462 |
| Cost of funding earning assets | 3.0338% | 1,738 |
| Net interest margin | 3.8467% | 3,808 |
| Noninterest income to average assets | 0.8795% | 2,060 |
| Noninterest expense to average assets | 2.9592% | 4,231 |
| Loan and lease loss provision to assets | 0.2115% | 4,778 |
| Net operating income to assets | 0.6644% | 4,046 |
| Return on assets (ROA) | 0.6769% | 3,835 |
| Pretax return on assets | 1.0309% | 3,268 |
| Return on Equity (ROE) | 6.2706% | 3,837 |
| Retained earnings to average equity (ytd only) | -0.4332% | 5,419 |
| Net charge-offs to loans | 0.3508% | 3,076 |
| Credit loss provision to net charge-offs | 101.6043% | 5,238 |
| Earnings coverage of net charge-offs (x) | 5.8770% | 3,501 |
| Efficiency ratio | 70.7479% | 4,187 |
| Assets per employee ($millions) | 2.8115% | 6,532 |
| Cash dividends to net income (ytd only)* | 106.9079% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 6,659 |
| Loan loss allowance to noncurrent loans | 195.7364% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 5,833 |
| Noncurrent loans to loans | 0.4620% | 5,963 |
| Net loans and leases to total assets | 63.4950% | 5,371 |
| Net loans and leases to deposits | 72.0286% | 6,059 |
| Net loans and leases to core deposits | 102.4132% | 4,565 |
| Total domestic deposits to total assets | 88.1526% | 1,404 |
| Equity capital to assets | 11.2921% | 2,813 |
| Core capital (leverage) ratio | 11.2483% | 2,400 |
| Tier 1 risk-based capital ratio | 13.9964% | 3,554 |
| Total risk-based capital ratio | 14.7177% | 3,738 |
| Memoranda: | ||
| Average total assets | $89,822,800 | 5,361 |
| Average earning assets | $77,130,200 | 5,540 |
| Average equity | $9,696,000 | 5,510 |
| Average total loans | $53,311,000 | 5,563 |