Home > First Federal Community Bank of Bucyrus > Performance and Condition Ratios
First Federal Community Bank of Bucyrus, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8764% | 1,343 |
| Cost of funding earning assets | 2.6725% | 805 |
| Net interest margin | 3.2039% | 2,626 |
| Noninterest income to average assets | 1.0200% | 577 |
| Noninterest expense to average assets | 3.3585% | 677 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.4304% | 3,602 |
| Return on assets (ROA) | 0.4742% | 3,535 |
| Pretax return on assets | 0.6149% | 3,416 |
| Return on Equity (ROE) | 6.4400% | 3,146 |
| Retained earnings to average equity (ytd only) | 2.6530% | 3,135 |
| Net charge-offs to loans | 0.0142% | 1,907 |
| Credit loss provision to net charge-offs | 416.6667% | 696 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 1,109 |
| Efficiency ratio | 84.6346% | 819 |
| Assets per employee ($millions) | 3.9470% | 4,137 |
| Cash dividends to net income (ytd only)* | 58.7744% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 3,796 |
| Loan loss allowance to noncurrent loans | 135.3608% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 1,239 |
| Noncurrent loans to loans | 0.6377% | 1,454 |
| Net loans and leases to total assets | 83.6100% | 319 |
| Net loans and leases to deposits | 109.8300% | 218 |
| Net loans and leases to core deposits | 120.7170% | 605 |
| Total domestic deposits to total assets | 76.1200% | 3,888 |
| Equity capital to assets | 7.4549% | 3,747 |
| Core capital (leverage) ratio | 7.9734% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0793% | 2,776 |
| Memoranda: | ||
| Average total assets | $302,810,333 | 2,440 |
| Average earning assets | $277,722,667 | 2,457 |
| Average equity | $22,314,333 | 2,763 |
| Average total loans | $253,385,000 | 2,039 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 1,255 |
| Cost of funding earning assets | 2.7027% | 713 |
| Net interest margin | 3.1495% | 2,671 |
| Noninterest income to average assets | 0.8000% | 824 |
| Noninterest expense to average assets | 3.2704% | 753 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.2840% | 3,851 |
| Return on assets (ROA) | 0.3232% | 3,801 |
| Pretax return on assets | 0.4130% | 3,731 |
| Return on Equity (ROE) | 4.4100% | 3,585 |
| Retained earnings to average equity (ytd only) | 0.2197% | 3,653 |
| Net charge-offs to loans | -0.0016% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.3509% | 660 |
| Assets per employee ($millions) | 4.0135% | 4,150 |
| Cash dividends to net income (ytd only)* | 95.0207% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 3,769 |
| Loan loss allowance to noncurrent loans | 126.0102% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 1,103 |
| Noncurrent loans to loans | 0.6950% | 1,276 |
| Net loans and leases to total assets | 83.2500% | 319 |
| Net loans and leases to deposits | 109.6477% | 201 |
| Net loans and leases to core deposits | 119.1311% | 649 |
| Total domestic deposits to total assets | 75.9300% | 3,995 |
| Equity capital to assets | 7.2512% | 3,787 |
| Core capital (leverage) ratio | 7.8189% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5930% | 2,694 |
| Memoranda: | ||
| Average total assets | $298,310,500 | 2,470 |
| Average earning assets | $273,062,500 | 2,494 |
| Average equity | $21,849,000 | 2,813 |
| Average total loans | $248,593,500 | 2,067 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2434% | 1,587 |
| Cost of funding earning assets | 2.1962% | 643 |
| Net interest margin | 3.0472% | 3,184 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 3.4126% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3184% | 3,998 |
| Return on assets (ROA) | 0.3448% | 3,958 |
| Pretax return on assets | 0.4104% | 3,943 |
| Return on Equity (ROE) | 4.6400% | 3,787 |
| Retained earnings to average equity (ytd only) | 1.4236% | 3,732 |
| Net charge-offs to loans | 0.0054% | 2,510 |
| Credit loss provision to net charge-offs | -25.0000% | 4,439 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 975 |
| Efficiency ratio | 89.9134% | 413 |
| Assets per employee ($millions) | 3.9415% | 4,178 |
| Cash dividends to net income (ytd only)* | 69.3122% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 3,688 |
| Loan loss allowance to noncurrent loans | 109.9354% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 775 |
| Noncurrent loans to loans | 0.8238% | 937 |
| Net loans and leases to total assets | 81.9200% | 440 |
| Net loans and leases to deposits | 108.4267% | 231 |
| Net loans and leases to core deposits | 115.7361% | 754 |
| Total domestic deposits to total assets | 75.5500% | 3,981 |
| Equity capital to assets | 7.3986% | 3,770 |
| Core capital (leverage) ratio | 8.0094% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5433% | 2,705 |
| Memoranda: | ||
| Average total assets | $274,101,200 | 2,555 |
| Average earning assets | $249,245,400 | 2,579 |
| Average equity | $20,371,000 | 2,830 |
| Average total loans | $221,123,000 | 2,155 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 1,653 |
| Cost of funding earning assets | 2.0588% | 636 |
| Net interest margin | 3.0298% | 3,281 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 3.4295% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2695% | 4,154 |
| Return on assets (ROA) | 0.2818% | 4,140 |
| Pretax return on assets | 0.3175% | 4,153 |
| Return on Equity (ROE) | 3.7900% | 4,010 |
| Retained earnings to average equity (ytd only) | 0.6534% | 4,021 |
| Net charge-offs to loans | 0.0180% | 1,777 |
| Credit loss provision to net charge-offs | 31.0345% | 1,965 |
| Earnings coverage of net charge-offs (x) | 21.4138% | 1,781 |
| Efficiency ratio | 91.5970% | 327 |
| Assets per employee ($millions) | 3.7890% | 4,242 |
| Cash dividends to net income (ytd only)* | 82.7465% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 3,569 |
| Loan loss allowance to noncurrent loans | 95.2685% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 681 |
| Noncurrent loans to loans | 0.9942% | 816 |
| Net loans and leases to total assets | 81.1700% | 515 |
| Net loans and leases to deposits | 105.5573% | 301 |
| Net loans and leases to core deposits | 110.8132% | 844 |
| Total domestic deposits to total assets | 76.9000% | 3,938 |
| Equity capital to assets | 7.3044% | 3,463 |
| Core capital (leverage) ratio | 8.2086% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1090% | 2,806 |
| Memoranda: | ||
| Average total assets | $268,724,250 | 2,587 |
| Average earning assets | $244,281,250 | 2,615 |
| Average equity | $19,996,000 | 2,847 |
| Average total loans | $215,311,250 | 2,192 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 1,818 |
| Cost of funding earning assets | 1.8917% | 621 |
| Net interest margin | 2.9858% | 3,465 |
| Noninterest income to average assets | 1.1200% | 481 |
| Noninterest expense to average assets | 3.3073% | 687 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4381% | 3,932 |
| Return on assets (ROA) | 0.4496% | 3,920 |
| Pretax return on assets | 0.5075% | 3,954 |
| Return on Equity (ROE) | 5.9700% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.0245% | 3,721 |
| Net charge-offs to loans | 0.0768% | 811 |
| Credit loss provision to net charge-offs | 50.0000% | 1,670 |
| Earnings coverage of net charge-offs (x) | 8.6125% | 2,050 |
| Efficiency ratio | 86.0608% | 493 |
| Assets per employee ($millions) | 3.4042% | 4,364 |
| Cash dividends to net income (ytd only)* | 66.1017% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,005 |
| Loan loss allowance to noncurrent loans | 185.6846% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,500 |
| Noncurrent loans to loans | 0.4342% | 1,633 |
| Net loans and leases to total assets | 80.8700% | 533 |
| Net loans and leases to deposits | 102.4311% | 414 |
| Net loans and leases to core deposits | 107.5315% | 927 |
| Total domestic deposits to total assets | 78.9500% | 3,730 |
| Equity capital to assets | 7.4593% | 3,544 |
| Core capital (leverage) ratio | 8.3800% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5615% | 2,749 |
| Memoranda: | ||
| Average total assets | $262,447,333 | 2,620 |
| Average earning assets | $238,196,667 | 2,648 |
| Average equity | $19,757,667 | 2,888 |
| Average total loans | $208,421,667 | 2,232 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 1,432 |
| Cost of funding earning assets | 1.6575% | 625 |
| Net interest margin | 3.2324% | 3,035 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.1130% | 914 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3843% | 4,110 |
| Return on assets (ROA) | 0.3744% | 4,079 |
| Pretax return on assets | 0.4707% | 4,029 |
| Return on Equity (ROE) | 4.9500% | 3,896 |
| Retained earnings to average equity (ytd only) | 1.2526% | 3,831 |
| Net charge-offs to loans | -0.0298% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.6709% | 559 |
| Assets per employee ($millions) | 3.3956% | 4,437 |
| Cash dividends to net income (ytd only)* | 74.6888% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 3,814 |
| Loan loss allowance to noncurrent loans | 724.6154% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 2,837 |
| Noncurrent loans to loans | 0.1263% | 2,882 |
| Net loans and leases to total assets | 77.9900% | 770 |
| Net loans and leases to deposits | 98.0271% | 536 |
| Net loans and leases to core deposits | 103.0493% | 963 |
| Total domestic deposits to total assets | 79.5600% | 3,823 |
| Equity capital to assets | 7.8230% | 3,367 |
| Core capital (leverage) ratio | 8.6752% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9625% | 2,739 |
| Memoranda: | ||
| Average total assets | $257,504,500 | 2,685 |
| Average earning assets | $232,397,500 | 2,724 |
| Average equity | $19,479,500 | 2,936 |
| Average total loans | $201,622,000 | 2,297 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 789 |
| Cost of funding earning assets | 0.7648% | 444 |
| Net interest margin | 3.6898% | 1,401 |
| Noninterest income to average assets | 1.6100% | 321 |
| Noninterest expense to average assets | 4.3392% | 269 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4649% | 4,144 |
| Return on assets (ROA) | 0.5042% | 4,043 |
| Pretax return on assets | 0.6068% | 4,016 |
| Return on Equity (ROE) | 6.6300% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.8182% | 3,456 |
| Net charge-offs to loans | 0.1768% | 467 |
| Credit loss provision to net charge-offs | 34.7003% | 1,880 |
| Earnings coverage of net charge-offs (x) | 4.5962% | 2,408 |
| Efficiency ratio | 86.8952% | 391 |
| Assets per employee ($millions) | 3.2095% | 4,497 |
| Cash dividends to net income (ytd only)* | 42.4217% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,682 |
| Loan loss allowance to noncurrent loans | 824.3243% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 2,935 |
| Noncurrent loans to loans | 0.1124% | 2,966 |
| Net loans and leases to total assets | 77.1500% | 884 |
| Net loans and leases to deposits | 99.9264% | 438 |
| Net loans and leases to core deposits | 106.0474% | 745 |
| Total domestic deposits to total assets | 77.2100% | 4,154 |
| Equity capital to assets | 7.2984% | 3,491 |
| Core capital (leverage) ratio | 8.3506% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7820% | 2,793 |
| Memoranda: | ||
| Average total assets | $240,758,400 | 2,779 |
| Average earning assets | $217,571,200 | 2,813 |
| Average equity | $18,307,200 | 3,101 |
| Average total loans | $179,286,000 | 2,381 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 653 |
| Cost of funding earning assets | 0.6412% | 350 |
| Net interest margin | 3.7091% | 1,115 |
| Noninterest income to average assets | 1.8300% | 292 |
| Noninterest expense to average assets | 4.6134% | 243 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4652% | 4,138 |
| Return on assets (ROA) | 0.4933% | 4,041 |
| Pretax return on assets | 0.5798% | 4,024 |
| Return on Equity (ROE) | 6.4200% | 3,704 |
| Retained earnings to average equity (ytd only) | 3.7901% | 3,515 |
| Net charge-offs to loans | 0.2800% | 237 |
| Credit loss provision to net charge-offs | 13.6240% | 1,650 |
| Earnings coverage of net charge-offs (x) | 2.7902% | 2,232 |
| Efficiency ratio | 87.8299% | 389 |
| Assets per employee ($millions) | 3.0939% | 4,558 |
| Cash dividends to net income (ytd only)* | 40.9556% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 3,874 |
| Loan loss allowance to noncurrent loans | 609.5745% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,813 |
| Noncurrent loans to loans | 0.1468% | 2,880 |
| Net loans and leases to total assets | 77.9100% | 713 |
| Net loans and leases to deposits | 94.8359% | 601 |
| Net loans and leases to core deposits | 103.5673% | 668 |
| Total domestic deposits to total assets | 82.1500% | 3,817 |
| Equity capital to assets | 7.4928% | 3,223 |
| Core capital (leverage) ratio | 8.5453% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1321% | 2,780 |
| Memoranda: | ||
| Average total assets | $237,561,000 | 2,815 |
| Average earning assets | $214,998,500 | 2,847 |
| Average equity | $18,257,750 | 3,140 |
| Average total loans | $174,746,250 | 2,424 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 729 |
| Cost of funding earning assets | 0.5761% | 331 |
| Net interest margin | 3.5542% | 1,174 |
| Noninterest income to average assets | 1.8736% | 251 |
| Noninterest expense to average assets | 4.6057% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4320% | 4,048 |
| Return on assets (ROA) | 0.4539% | 3,947 |
| Pretax return on assets | 0.5075% | 3,985 |
| Return on Equity (ROE) | 5.8556% | 3,613 |
| Retained earnings to average equity (ytd only) | 3.0813% | 3,418 |
| Net charge-offs to loans | 0.4439% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.5147% | 2,069 |
| Efficiency ratio | 89.0244% | 453 |
| Assets per employee ($millions) | 2.5992% | 4,662 |
| Cash dividends to net income (ytd only)* | 47.3783% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 3,884 |
| Loan loss allowance to noncurrent loans | 612.9151% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 2,895 |
| Noncurrent loans to loans | 0.1505% | 2,941 |
| Net loans and leases to total assets | 76.2426% | 703 |
| Net loans and leases to deposits | 91.0656% | 661 |
| Net loans and leases to core deposits | 99.6057% | 687 |
| Total domestic deposits to total assets | 83.7227% | 3,740 |
| Equity capital to assets | 7.4946% | 3,485 |
| Core capital (leverage) ratio | 8.1435% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1789% | 2,989 |
| Memoranda: | ||
| Average total assets | $235,274,667 | 2,858 |
| Average earning assets | $212,817,333 | 2,896 |
| Average equity | $18,239,000 | 3,215 |
| Average total loans | $168,948,000 | 2,472 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 870 |
| Cost of funding earning assets | 0.5525% | 366 |
| Net interest margin | 3.3828% | 1,341 |
| Noninterest income to average assets | 1.6953% | 300 |
| Noninterest expense to average assets | 4.3043% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3496% | 4,057 |
| Return on assets (ROA) | 0.3764% | 3,969 |
| Pretax return on assets | 0.4764% | 3,910 |
| Return on Equity (ROE) | 4.7761% | 3,678 |
| Retained earnings to average equity (ytd only) | 2.1944% | 3,493 |
| Net charge-offs to loans | -0.0514% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0714% | 590 |
| Assets per employee ($millions) | 2.6436% | 4,689 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,664 |
| Loan loss allowance to noncurrent loans | 453.0837% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 2,486 |
| Noncurrent loans to loans | 0.2730% | 2,496 |
| Net loans and leases to total assets | 69.0389% | 1,113 |
| Net loans and leases to deposits | 83.3507% | 929 |
| Net loans and leases to core deposits | 89.9793% | 926 |
| Total domestic deposits to total assets | 82.8294% | 3,965 |
| Equity capital to assets | 7.6058% | 3,853 |
| Core capital (leverage) ratio | 8.4018% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0980% | 2,575 |
| Memoranda: | ||
| Average total assets | $235,948,500 | 2,869 |
| Average earning assets | $212,844,000 | 2,908 |
| Average equity | $18,592,500 | 3,273 |
| Average total loans | $163,415,500 | 2,519 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 853 |
| Cost of funding earning assets | 0.6909% | 340 |
| Net interest margin | 3.6084% | 1,442 |
| Noninterest income to average assets | 3.0609% | 177 |
| Noninterest expense to average assets | 5.1563% | 169 |
| Loan and lease loss provision to assets | 0.0226% | 2,614 |
| Net operating income to assets | 0.8908% | 3,078 |
| Return on assets (ROA) | 0.8747% | 3,186 |
| Pretax return on assets | 1.1068% | 2,950 |
| Return on Equity (ROE) | 10.6748% | 2,284 |
| Retained earnings to average equity (ytd only) | 8.4047% | 1,388 |
| Net charge-offs to loans | -0.0305% | 4,129 |
| Credit loss provision to net charge-offs | -104.0816% | 3,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3668% | 728 |
| Assets per employee ($millions) | 2.7526% | 4,722 |
| Cash dividends to net income (ytd only)* | 21.2658% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,508 |
| Loan loss allowance to noncurrent loans | 863.1356% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 3,233 |
| Noncurrent loans to loans | 0.1470% | 3,203 |
| Net loans and leases to total assets | 67.7330% | 1,300 |
| Net loans and leases to deposits | 84.3739% | 887 |
| Net loans and leases to core deposits | 90.3095% | 961 |
| Total domestic deposits to total assets | 80.2772% | 4,192 |
| Equity capital to assets | 8.1586% | 4,268 |
| Core capital (leverage) ratio | 8.5284% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2269% | 2,552 |
| Memoranda: | ||
| Average total assets | $225,784,000 | 2,867 |
| Average earning assets | $203,055,600 | 2,930 |
| Average equity | $18,501,600 | 3,348 |
| Average total loans | $160,671,400 | 2,536 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 795 |
| Cost of funding earning assets | 0.7282% | 337 |
| Net interest margin | 3.6822% | 1,376 |
| Noninterest income to average assets | 3.2055% | 183 |
| Noninterest expense to average assets | 5.3323% | 152 |
| Loan and lease loss provision to assets | 0.0304% | 2,385 |
| Net operating income to assets | 0.9101% | 3,216 |
| Return on assets (ROA) | 0.9106% | 3,288 |
| Pretax return on assets | 1.1519% | 3,070 |
| Return on Equity (ROE) | 11.0995% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.6467% | 1,434 |
| Net charge-offs to loans | -0.0365% | 4,223 |
| Credit loss provision to net charge-offs | -115.9091% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3375% | 678 |
| Assets per employee ($millions) | 3.0562% | 4,745 |
| Cash dividends to net income (ytd only)* | 13.0890% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,817 |
| Loan loss allowance to noncurrent loans | 274.5946% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 2,162 |
| Noncurrent loans to loans | 0.4503% | 2,210 |
| Net loans and leases to total assets | 70.8084% | 1,012 |
| Net loans and leases to deposits | 90.5892% | 573 |
| Net loans and leases to core deposits | 95.6553% | 764 |
| Total domestic deposits to total assets | 78.1644% | 4,410 |
| Equity capital to assets | 8.2904% | 4,359 |
| Core capital (leverage) ratio | 8.5359% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,736,750 | 2,916 |
| Average earning assets | $201,034,250 | 2,979 |
| Average equity | $18,354,750 | 3,398 |
| Average total loans | $160,710,750 | 2,574 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 981 |
| Cost of funding earning assets | 0.7674% | 338 |
| Net interest margin | 3.5475% | 1,724 |
| Noninterest income to average assets | 3.2635% | 167 |
| Noninterest expense to average assets | 5.4301% | 149 |
| Loan and lease loss provision to assets | 0.0460% | 2,097 |
| Net operating income to assets | 0.7743% | 3,587 |
| Return on assets (ROA) | 0.7679% | 3,665 |
| Pretax return on assets | 0.9707% | 3,499 |
| Return on Equity (ROE) | 9.3943% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.1891% | 2,360 |
| Net charge-offs to loans | -0.0514% | 4,388 |
| Credit loss provision to net charge-offs | -124.3902% | 3,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3287% | 592 |
| Assets per employee ($millions) | 2.9604% | 4,789 |
| Cash dividends to net income (ytd only)* | 23.4742% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,683 |
| Loan loss allowance to noncurrent loans | 288.4780% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 2,333 |
| Noncurrent loans to loans | 0.4330% | 2,379 |
| Net loans and leases to total assets | 72.2065% | 939 |
| Net loans and leases to deposits | 92.1088% | 536 |
| Net loans and leases to core deposits | 97.8157% | 731 |
| Total domestic deposits to total assets | 78.3926% | 4,399 |
| Equity capital to assets | 8.2854% | 4,363 |
| Core capital (leverage) ratio | 8.2504% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2547% | 2,628 |
| Memoranda: | ||
| Average total assets | $221,910,000 | 2,926 |
| Average earning assets | $199,634,333 | 2,982 |
| Average equity | $18,138,667 | 3,414 |
| Average total loans | $159,502,000 | 2,599 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 1,292 |
| Cost of funding earning assets | 0.7982% | 351 |
| Net interest margin | 3.3491% | 2,253 |
| Noninterest income to average assets | 3.7124% | 159 |
| Noninterest expense to average assets | 5.5299% | 142 |
| Loan and lease loss provision to assets | 0.0541% | 2,027 |
| Net operating income to assets | 0.9076% | 3,110 |
| Return on assets (ROA) | 0.9322% | 3,116 |
| Pretax return on assets | 1.1702% | 2,926 |
| Return on Equity (ROE) | 11.4825% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.2615% | 1,869 |
| Net charge-offs to loans | -0.0582% | 4,457 |
| Credit loss provision to net charge-offs | -130.4348% | 2,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 709 |
| Assets per employee ($millions) | 3.0624% | 4,811 |
| Cash dividends to net income (ytd only)* | 19.3424% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,645 |
| Loan loss allowance to noncurrent loans | 472.6841% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 3,249 |
| Noncurrent loans to loans | 0.2652% | 3,154 |
| Net loans and leases to total assets | 68.2392% | 1,497 |
| Net loans and leases to deposits | 87.3620% | 865 |
| Net loans and leases to core deposits | 93.3812% | 1,018 |
| Total domestic deposits to total assets | 78.1108% | 4,425 |
| Equity capital to assets | 7.8840% | 4,554 |
| Core capital (leverage) ratio | 8.4704% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9951% | 2,668 |
| Memoranda: | ||
| Average total assets | $221,850,000 | 2,914 |
| Average earning assets | $199,457,500 | 2,979 |
| Average equity | $18,010,000 | 3,420 |
| Average total loans | $158,079,000 | 2,618 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 956 |
| Cost of funding earning assets | 1.0584% | 476 |
| Net interest margin | 3.6073% | 2,119 |
| Noninterest income to average assets | 3.7718% | 144 |
| Noninterest expense to average assets | 5.3408% | 165 |
| Loan and lease loss provision to assets | 0.1792% | 2,150 |
| Net operating income to assets | 1.1601% | 1,686 |
| Return on assets (ROA) | 1.1452% | 1,869 |
| Pretax return on assets | 1.4457% | 1,526 |
| Return on Equity (ROE) | 13.8949% | 839 |
| Retained earnings to average equity (ytd only) | 11.4920% | 379 |
| Net charge-offs to loans | 0.0057% | 3,145 |
| Credit loss provision to net charge-offs | 4,022.2222% | 260 |
| Earnings coverage of net charge-offs (x) | 368.8889% | 295 |
| Efficiency ratio | 75.6008% | 1,279 |
| Assets per employee ($millions) | 2.8536% | 4,846 |
| Cash dividends to net income (ytd only)* | 17.2936% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,794 |
| Loan loss allowance to noncurrent loans | 249.8065% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 2,518 |
| Noncurrent loans to loans | 0.4923% | 2,495 |
| Net loans and leases to total assets | 72.6569% | 1,206 |
| Net loans and leases to deposits | 97.2179% | 496 |
| Net loans and leases to core deposits | 104.2672% | 714 |
| Total domestic deposits to total assets | 74.7361% | 4,591 |
| Equity capital to assets | 8.3693% | 4,542 |
| Core capital (leverage) ratio | 8.4144% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,975,000 | 2,925 |
| Average earning assets | $179,887,600 | 3,001 |
| Average equity | $16,646,400 | 3,487 |
| Average total loans | $156,914,000 | 2,598 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 996 |
| Cost of funding earning assets | 1.1084% | 524 |
| Net interest margin | 3.6255% | 2,174 |
| Noninterest income to average assets | 3.4994% | 152 |
| Noninterest expense to average assets | 5.1003% | 181 |
| Loan and lease loss provision to assets | 0.2428% | 1,674 |
| Net operating income to assets | 1.0964% | 1,994 |
| Return on assets (ROA) | 1.0715% | 2,206 |
| Pretax return on assets | 1.3516% | 1,871 |
| Return on Equity (ROE) | 13.0554% | 1,095 |
| Retained earnings to average equity (ytd only) | 10.6060% | 656 |
| Net charge-offs to loans | 0.0111% | 2,708 |
| Credit loss provision to net charge-offs | 2,784.6154% | 365 |
| Earnings coverage of net charge-offs (x) | 186.6154% | 513 |
| Efficiency ratio | 74.9626% | 1,304 |
| Assets per employee ($millions) | 2.8372% | 4,879 |
| Cash dividends to net income (ytd only)* | 18.7617% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,033 |
| Loan loss allowance to noncurrent loans | 252.2193% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 2,644 |
| Noncurrent loans to loans | 0.4483% | 2,707 |
| Net loans and leases to total assets | 79.3923% | 669 |
| Net loans and leases to deposits | 108.9782% | 248 |
| Net loans and leases to core deposits | 117.3286% | 472 |
| Total domestic deposits to total assets | 72.8515% | 4,647 |
| Equity capital to assets | 8.1499% | 4,659 |
| Core capital (leverage) ratio | 8.3651% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0921% | 2,899 |
| Memoranda: | ||
| Average total assets | $198,963,500 | 2,934 |
| Average earning assets | $177,073,000 | 3,011 |
| Average equity | $16,330,000 | 3,523 |
| Average total loans | $156,783,250 | 2,601 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 1,207 |
| Cost of funding earning assets | 1.1643% | 578 |
| Net interest margin | 3.6206% | 2,416 |
| Noninterest income to average assets | 3.1376% | 157 |
| Noninterest expense to average assets | 4.9003% | 201 |
| Loan and lease loss provision to assets | 0.3519% | 1,199 |
| Net operating income to assets | 0.8730% | 2,796 |
| Return on assets (ROA) | 0.8582% | 2,960 |
| Pretax return on assets | 1.0795% | 2,778 |
| Return on Equity (ROE) | 10.4298% | 1,836 |
| Retained earnings to average equity (ytd only) | 7.9286% | 1,329 |
| Net charge-offs to loans | 0.0329% | 2,073 |
| Credit loss provision to net charge-offs | 1,368.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 56.3600% | 1,016 |
| Efficiency ratio | 76.2599% | 1,240 |
| Assets per employee ($millions) | 2.9533% | 4,866 |
| Cash dividends to net income (ytd only)* | 23.9808% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 2,624 |
| Loan loss allowance to noncurrent loans | 247.7184% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 2,739 |
| Noncurrent loans to loans | 0.4754% | 2,723 |
| Net loans and leases to total assets | 77.1252% | 979 |
| Net loans and leases to deposits | 105.8887% | 318 |
| Net loans and leases to core deposits | 112.4770% | 650 |
| Total domestic deposits to total assets | 72.8361% | 4,659 |
| Equity capital to assets | 8.0432% | 4,697 |
| Core capital (leverage) ratio | 8.2149% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2951% | 2,889 |
| Memoranda: | ||
| Average total assets | $194,355,000 | 2,951 |
| Average earning assets | $172,458,667 | 3,029 |
| Average equity | $15,992,667 | 3,552 |
| Average total loans | $152,087,667 | 2,641 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 949 |
| Cost of funding earning assets | 1.2578% | 636 |
| Net interest margin | 3.7494% | 2,145 |
| Noninterest income to average assets | 2.3554% | 214 |
| Noninterest expense to average assets | 4.6045% | 275 |
| Loan and lease loss provision to assets | 0.2126% | 1,441 |
| Net operating income to assets | 0.6747% | 3,348 |
| Return on assets (ROA) | 0.6441% | 3,526 |
| Pretax return on assets | 0.8078% | 3,391 |
| Return on Equity (ROE) | 7.7321% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.9250% | 2,306 |
| Net charge-offs to loans | 0.0353% | 1,708 |
| Credit loss provision to net charge-offs | 769.2308% | 675 |
| Earnings coverage of net charge-offs (x) | 38.3077% | 1,049 |
| Efficiency ratio | 79.3168% | 1,211 |
| Assets per employee ($millions) | 2.7780% | 4,876 |
| Cash dividends to net income (ytd only)* | 36.3036% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,041 |
| Loan loss allowance to noncurrent loans | 221.0317% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 2,878 |
| Noncurrent loans to loans | 0.5117% | 2,737 |
| Net loans and leases to total assets | 75.1233% | 1,439 |
| Net loans and leases to deposits | 101.4839% | 466 |
| Net loans and leases to core deposits | 109.8839% | 852 |
| Total domestic deposits to total assets | 74.0249% | 4,661 |
| Equity capital to assets | 8.3010% | 4,900 |
| Core capital (leverage) ratio | 8.5868% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2383% | 2,598 |
| Memoranda: | ||
| Average total assets | $188,165,500 | 2,971 |
| Average earning assets | $165,998,000 | 3,052 |
| Average equity | $15,675,000 | 3,594 |
| Average total loans | $147,459,500 | 2,661 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 957 |
| Cost of funding earning assets | 1.2127% | 999 |
| Net interest margin | 4.0043% | 1,846 |
| Noninterest income to average assets | 2.1049% | 241 |
| Noninterest expense to average assets | 4.6651% | 266 |
| Loan and lease loss provision to assets | 0.1325% | 1,610 |
| Net operating income to assets | 0.6959% | 3,880 |
| Return on assets (ROA) | 0.6872% | 3,970 |
| Pretax return on assets | 0.8469% | 3,887 |
| Return on Equity (ROE) | 8.1699% | 3,095 |
| Retained earnings to average equity (ytd only) | 5.9903% | 1,875 |
| Net charge-offs to loans | 0.0303% | 2,794 |
| Credit loss provision to net charge-offs | 546.3415% | 543 |
| Earnings coverage of net charge-offs (x) | 40.8293% | 1,303 |
| Efficiency ratio | 81.9389% | 804 |
| Assets per employee ($millions) | 2.5982% | 4,971 |
| Cash dividends to net income (ytd only)* | 26.6781% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,079 |
| Loan loss allowance to noncurrent loans | 175.6937% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 2,418 |
| Noncurrent loans to loans | 0.6122% | 2,356 |
| Net loans and leases to total assets | 80.0459% | 784 |
| Net loans and leases to deposits | 113.0577% | 136 |
| Net loans and leases to core deposits | 122.6575% | 409 |
| Total domestic deposits to total assets | 70.8009% | 4,903 |
| Equity capital to assets | 8.3619% | 4,965 |
| Core capital (leverage) ratio | 8.4444% | 4,870 |
| Tier 1 risk-based capital ratio | 11.7687% | 4,487 |
| Total risk-based capital ratio | 13.0192% | 4,363 |
| Memoranda: | ||
| Average total assets | $169,084,800 | 3,117 |
| Average earning assets | $149,914,600 | 3,174 |
| Average equity | $14,223,000 | 3,720 |
| Average total loans | $135,330,200 | 2,773 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2060% | 1,031 |
| Cost of funding earning assets | 1.1914% | 1,056 |
| Net interest margin | 4.0146% | 1,888 |
| Noninterest income to average assets | 2.0182% | 263 |
| Noninterest expense to average assets | 4.6367% | 268 |
| Loan and lease loss provision to assets | 0.1318% | 1,462 |
| Net operating income to assets | 0.6669% | 4,118 |
| Return on assets (ROA) | 0.6550% | 4,199 |
| Pretax return on assets | 0.8021% | 4,113 |
| Return on Equity (ROE) | 7.7746% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.5806% | 2,584 |
| Net charge-offs to loans | 0.0242% | 2,622 |
| Credit loss provision to net charge-offs | 683.3333% | 490 |
| Earnings coverage of net charge-offs (x) | 49.1653% | 1,213 |
| Efficiency ratio | 82.5874% | 717 |
| Assets per employee ($millions) | 2.6522% | 5,030 |
| Cash dividends to net income (ytd only)* | 28.2209% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 2,975 |
| Loan loss allowance to noncurrent loans | 216.2921% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 2,904 |
| Noncurrent loans to loans | 0.5134% | 2,752 |
| Net loans and leases to total assets | 77.1727% | 1,286 |
| Net loans and leases to deposits | 107.8328% | 272 |
| Net loans and leases to core deposits | 114.7952% | 718 |
| Total domestic deposits to total assets | 71.5670% | 4,940 |
| Equity capital to assets | 8.1432% | 5,103 |
| Core capital (leverage) ratio | 8.2439% | 5,048 |
| Tier 1 risk-based capital ratio | 11.8309% | 4,500 |
| Total risk-based capital ratio | 13.0810% | 4,386 |
| Memoranda: | ||
| Average total assets | $165,888,000 | 3,181 |
| Average earning assets | $147,390,250 | 3,232 |
| Average equity | $13,976,750 | 3,787 |
| Average total loans | $132,371,750 | 2,829 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1571% | 1,087 |
| Cost of funding earning assets | 1.1517% | 1,131 |
| Net interest margin | 4.0053% | 1,904 |
| Noninterest income to average assets | 1.6153% | 352 |
| Noninterest expense to average assets | 4.4124% | 333 |
| Loan and lease loss provision to assets | 0.1161% | 1,614 |
| Net operating income to assets | 0.5445% | 4,437 |
| Return on assets (ROA) | 0.5261% | 4,499 |
| Pretax return on assets | 0.6335% | 4,483 |
| Return on Equity (ROE) | 6.1684% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.8516% | 3,320 |
| Net charge-offs to loans | -0.0092% | 4,301 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7546% | 606 |
| Assets per employee ($millions) | 2.4834% | 5,131 |
| Cash dividends to net income (ytd only)* | 37.5587% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,129 |
| Loan loss allowance to noncurrent loans | 284.0909% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 3,288 |
| Noncurrent loans to loans | 0.3833% | 3,153 |
| Net loans and leases to total assets | 80.6747% | 779 |
| Net loans and leases to deposits | 114.5889% | 132 |
| Net loans and leases to core deposits | 120.2349% | 540 |
| Total domestic deposits to total assets | 70.4036% | 5,034 |
| Equity capital to assets | 8.3477% | 5,097 |
| Core capital (leverage) ratio | 8.4503% | 4,981 |
| Tier 1 risk-based capital ratio | 11.8704% | 4,489 |
| Total risk-based capital ratio | 13.1203% | 4,369 |
| Memoranda: | ||
| Average total assets | $161,952,330 | 3,239 |
| Average earning assets | $144,307,000 | 3,280 |
| Average equity | $13,812,330 | 3,815 |
| Average total loans | $130,271,670 | 2,865 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 1,202 |
| Cost of funding earning assets | 1.1084% | 1,158 |
| Net interest margin | 3.9476% | 2,030 |
| Noninterest income to average assets | 1.3603% | 460 |
| Noninterest expense to average assets | 4.3106% | 363 |
| Loan and lease loss provision to assets | 0.1010% | 1,744 |
| Net operating income to assets | 0.3861% | 4,758 |
| Return on assets (ROA) | 0.3861% | 4,770 |
| Pretax return on assets | 0.4543% | 4,768 |
| Return on Equity (ROE) | 4.4770% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.4287% | 3,946 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8112% | 494 |
| Assets per employee ($millions) | 2.6322% | 5,135 |
| Cash dividends to net income (ytd only)* | 45.7516% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,999 |
| Loan loss allowance to noncurrent loans | 274.8092% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 3,313 |
| Noncurrent loans to loans | 0.4085% | 3,122 |
| Net loans and leases to total assets | 77.7113% | 1,205 |
| Net loans and leases to deposits | 110.9361% | 198 |
| Net loans and leases to core deposits | 114.7089% | 700 |
| Total domestic deposits to total assets | 70.0506% | 5,110 |
| Equity capital to assets | 8.4316% | 5,025 |
| Core capital (leverage) ratio | 8.8882% | 4,731 |
| Tier 1 risk-based capital ratio | 12.3962% | 4,235 |
| Total risk-based capital ratio | 13.6567% | 4,090 |
| Memoranda: | ||
| Average total assets | $158,492,500 | 3,309 |
| Average earning assets | $140,744,000 | 3,357 |
| Average equity | $13,670,000 | 3,848 |
| Average total loans | $126,539,000 | 2,943 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 1,290 |
| Cost of funding earning assets | 0.7437% | 1,831 |
| Net interest margin | 4.1559% | 1,514 |
| Noninterest income to average assets | 1.9111% | 289 |
| Noninterest expense to average assets | 4.7384% | 250 |
| Loan and lease loss provision to assets | 0.0926% | 2,300 |
| Net operating income to assets | 0.6627% | 4,248 |
| Return on assets (ROA) | 0.6627% | 4,255 |
| Pretax return on assets | 0.7949% | 4,182 |
| Return on Equity (ROE) | 7.4837% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.7569% | 2,914 |
| Net charge-offs to loans | 0.0412% | 2,589 |
| Credit loss provision to net charge-offs | 287.5000% | 1,057 |
| Earnings coverage of net charge-offs (x) | 27.5625% | 1,686 |
| Efficiency ratio | 83.4267% | 688 |
| Assets per employee ($millions) | 2.1970% | 5,284 |
| Cash dividends to net income (ytd only)* | 36.4372% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,973 |
| Loan loss allowance to noncurrent loans | 259.7403% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,149 |
| Noncurrent loans to loans | 0.4318% | 2,990 |
| Net loans and leases to total assets | 80.2503% | 899 |
| Net loans and leases to deposits | 118.5767% | 110 |
| Net loans and leases to core deposits | 123.3664% | 459 |
| Total domestic deposits to total assets | 67.6780% | 5,216 |
| Equity capital to assets | 8.8302% | 4,706 |
| Core capital (leverage) ratio | 9.1491% | 4,508 |
| Tier 1 risk-based capital ratio | 12.4726% | 4,154 |
| Total risk-based capital ratio | 13.7277% | 4,020 |
| Memoranda: | ||
| Average total assets | $149,079,400 | 3,397 |
| Average earning assets | $133,256,000 | 3,448 |
| Average equity | $13,202,000 | 3,854 |
| Average total loans | $116,537,600 | 3,034 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 1,377 |
| Cost of funding earning assets | 0.6919% | 1,891 |
| Net interest margin | 4.1272% | 1,552 |
| Noninterest income to average assets | 1.9652% | 285 |
| Noninterest expense to average assets | 4.8265% | 230 |
| Loan and lease loss provision to assets | 0.0802% | 2,353 |
| Net operating income to assets | 0.6328% | 4,413 |
| Return on assets (ROA) | 0.6328% | 4,429 |
| Pretax return on assets | 0.7581% | 4,407 |
| Return on Equity (ROE) | 7.1408% | 3,885 |
| Retained earnings to average equity (ytd only) | 4.5469% | 3,477 |
| Net charge-offs to loans | 0.0571% | 1,999 |
| Credit loss provision to net charge-offs | 181.6327% | 1,489 |
| Earnings coverage of net charge-offs (x) | 18.9801% | 2,031 |
| Efficiency ratio | 84.4208% | 622 |
| Assets per employee ($millions) | 2.2822% | 5,341 |
| Cash dividends to net income (ytd only)* | 36.3245% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,098 |
| Loan loss allowance to noncurrent loans | 219.5122% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 2,884 |
| Noncurrent loans to loans | 0.5083% | 2,861 |
| Net loans and leases to total assets | 80.6467% | 922 |
| Net loans and leases to deposits | 118.0430% | 127 |
| Net loans and leases to core deposits | 122.9161% | 493 |
| Total domestic deposits to total assets | 68.3198% | 5,277 |
| Equity capital to assets | 8.9819% | 4,562 |
| Core capital (leverage) ratio | 9.0540% | 4,655 |
| Tier 1 risk-based capital ratio | 12.7949% | 4,026 |
| Total risk-based capital ratio | 14.0600% | 3,915 |
| Memoranda: | ||
| Average total assets | $147,901,750 | 3,446 |
| Average earning assets | $132,581,500 | 3,496 |
| Average equity | $13,107,500 | 3,900 |
| Average total loans | $114,467,750 | 3,092 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 1,582 |
| Cost of funding earning assets | 0.6272% | 2,058 |
| Net interest margin | 4.0417% | 1,721 |
| Noninterest income to average assets | 1.8111% | 316 |
| Noninterest expense to average assets | 4.7646% | 245 |
| Loan and lease loss provision to assets | 0.0569% | 2,773 |
| Net operating income to assets | 0.5022% | 4,747 |
| Return on assets (ROA) | 0.5022% | 4,751 |
| Pretax return on assets | 0.6010% | 4,738 |
| Return on Equity (ROE) | 5.6922% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.0072% | 4,050 |
| Net charge-offs to loans | 0.1104% | 1,269 |
| Credit loss provision to net charge-offs | 67.7419% | 2,373 |
| Earnings coverage of net charge-offs (x) | 7.8387% | 2,522 |
| Efficiency ratio | 87.1692% | 512 |
| Assets per employee ($millions) | 2.4864% | 5,335 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,251 |
| Loan loss allowance to noncurrent loans | 189.4273% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 2,805 |
| Noncurrent loans to loans | 0.5813% | 2,677 |
| Net loans and leases to total assets | 75.1581% | 1,767 |
| Net loans and leases to deposits | 107.0409% | 390 |
| Net loans and leases to core deposits | 111.3065% | 916 |
| Total domestic deposits to total assets | 70.2144% | 5,269 |
| Equity capital to assets | 8.5057% | 4,935 |
| Core capital (leverage) ratio | 9.2016% | 4,462 |
| Tier 1 risk-based capital ratio | 12.7818% | 4,015 |
| Total risk-based capital ratio | 14.0357% | 3,919 |
| Memoranda: | ||
| Average total assets | $147,755,000 | 3,468 |
| Average earning assets | $132,024,670 | 3,528 |
| Average equity | $13,035,330 | 3,930 |
| Average total loans | $112,296,000 | 3,137 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 1,486 |
| Cost of funding earning assets | 0.6048% | 2,029 |
| Net interest margin | 4.0256% | 1,636 |
| Noninterest income to average assets | 1.8180% | 305 |
| Noninterest expense to average assets | 4.8203% | 242 |
| Loan and lease loss provision to assets | 0.0692% | 2,381 |
| Net operating income to assets | 0.4455% | 4,829 |
| Return on assets (ROA) | 0.4455% | 4,828 |
| Pretax return on assets | 0.5202% | 4,844 |
| Return on Equity (ROE) | 4.9550% | 4,507 |
| Retained earnings to average equity (ytd only) | 1.5696% | 4,468 |
| Net charge-offs to loans | 0.1274% | 1,033 |
| Credit loss provision to net charge-offs | 71.4286% | 1,815 |
| Earnings coverage of net charge-offs (x) | 6.0857% | 2,183 |
| Efficiency ratio | 88.4399% | 512 |
| Assets per employee ($millions) | 2.4022% | 5,416 |
| Cash dividends to net income (ytd only)* | 68.3230% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,944 |
| Loan loss allowance to noncurrent loans | 151.5152% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 1,874 |
| Noncurrent loans to loans | 0.7780% | 2,258 |
| Net loans and leases to total assets | 75.6142% | 1,603 |
| Net loans and leases to deposits | 99.8772% | 716 |
| Net loans and leases to core deposits | 102.2882% | 1,504 |
| Total domestic deposits to total assets | 75.7072% | 4,997 |
| Equity capital to assets | 9.0056% | 4,547 |
| Core capital (leverage) ratio | 9.1851% | 4,453 |
| Tier 1 risk-based capital ratio | 13.4652% | 3,677 |
| Total risk-based capital ratio | 14.7342% | 3,578 |
| Memoranda: | ||
| Average total assets | $144,555,000 | 3,540 |
| Average earning assets | $128,974,000 | 3,604 |
| Average equity | $12,997,000 | 3,968 |
| Average total loans | $109,869,000 | 3,192 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,335 |
| Cost of funding earning assets | 0.5955% | 1,624 |
| Net interest margin | 4.0449% | 1,602 |
| Noninterest income to average assets | 2.7641% | 192 |
| Noninterest expense to average assets | 5.3684% | 181 |
| Loan and lease loss provision to assets | 0.4075% | 361 |
| Net operating income to assets | 0.4576% | 4,499 |
| Return on assets (ROA) | 0.4576% | 4,532 |
| Pretax return on assets | 0.6398% | 4,648 |
| Return on Equity (ROE) | 5.2569% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.4034% | 3,247 |
| Net charge-offs to loans | 0.3886% | 647 |
| Credit loss provision to net charge-offs | 137.5587% | 1,925 |
| Earnings coverage of net charge-offs (x) | 3.5352% | 3,592 |
| Efficiency ratio | 83.2647% | 832 |
| Assets per employee ($millions) | 2.2304% | 5,528 |
| Cash dividends to net income (ytd only)* | 35.2584% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,805 |
| Loan loss allowance to noncurrent loans | 125.9615% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 1,728 |
| Noncurrent loans to loans | 0.9502% | 1,869 |
| Net loans and leases to total assets | 74.5932% | 1,822 |
| Net loans and leases to deposits | 103.3338% | 527 |
| Net loans and leases to core deposits | 105.9260% | 1,267 |
| Total domestic deposits to total assets | 72.1866% | 5,310 |
| Equity capital to assets | 8.8035% | 4,897 |
| Core capital (leverage) ratio | 8.8715% | 4,788 |
| Tier 1 risk-based capital ratio | 13.1286% | 3,830 |
| Total risk-based capital ratio | 14.3896% | 3,743 |
| Memoranda: | ||
| Average total assets | $143,805,800 | 3,555 |
| Average earning assets | $129,817,200 | 3,590 |
| Average equity | $12,517,000 | 4,053 |
| Average total loans | $109,630,800 | 3,191 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 1,282 |
| Cost of funding earning assets | 0.5914% | 1,594 |
| Net interest margin | 4.0446% | 1,559 |
| Noninterest income to average assets | 2.8169% | 198 |
| Noninterest expense to average assets | 5.4303% | 185 |
| Loan and lease loss provision to assets | 0.5184% | 218 |
| Net operating income to assets | 0.3781% | 5,049 |
| Return on assets (ROA) | 0.3781% | 5,074 |
| Pretax return on assets | 0.5342% | 4,963 |
| Return on Equity (ROE) | 4.3567% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.4299% | 4,434 |
| Net charge-offs to loans | 0.5750% | 343 |
| Credit loss provision to net charge-offs | 117.9704% | 2,031 |
| Earnings coverage of net charge-offs (x) | 2.3954% | 3,468 |
| Efficiency ratio | 83.3620% | 809 |
| Assets per employee ($millions) | 2.2880% | 5,579 |
| Cash dividends to net income (ytd only)* | 44.2256% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,443 |
| Loan loss allowance to noncurrent loans | 125.8919% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 2,006 |
| Noncurrent loans to loans | 0.8797% | 2,174 |
| Net loans and leases to total assets | 76.5042% | 1,497 |
| Net loans and leases to deposits | 107.0744% | 371 |
| Net loans and leases to core deposits | 109.3964% | 1,062 |
| Total domestic deposits to total assets | 71.4496% | 5,418 |
| Equity capital to assets | 8.7891% | 5,090 |
| Core capital (leverage) ratio | 8.7744% | 5,000 |
| Tier 1 risk-based capital ratio | 12.7572% | 4,167 |
| Total risk-based capital ratio | 14.0282% | 4,053 |
| Memoranda: | ||
| Average total assets | $143,513,000 | 3,591 |
| Average earning assets | $130,080,000 | 3,623 |
| Average equity | $12,455,500 | 4,103 |
| Average total loans | $109,675,250 | 3,212 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6005% | 1,249 |
| Cost of funding earning assets | 0.5777% | 1,595 |
| Net interest margin | 4.0227% | 1,542 |
| Noninterest income to average assets | 2.5931% | 217 |
| Noninterest expense to average assets | 5.4249% | 185 |
| Loan and lease loss provision to assets | 0.6587% | 170 |
| Net operating income to assets | 0.1214% | 5,470 |
| Return on assets (ROA) | 0.1214% | 5,475 |
| Pretax return on assets | 0.1731% | 5,448 |
| Return on Equity (ROE) | 1.4050% | 5,425 |
| Retained earnings to average equity (ytd only) | -0.4522% | 5,156 |
| Net charge-offs to loans | 0.8197% | 242 |
| Credit loss provision to net charge-offs | 105.5928% | 1,945 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,294 |
| Efficiency ratio | 86.4377% | 660 |
| Assets per employee ($millions) | 2.3110% | 5,618 |
| Cash dividends to net income (ytd only)* | 132.1839% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,737 |
| Loan loss allowance to noncurrent loans | 71.5155% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 1,494 |
| Noncurrent loans to loans | 1.4978% | 1,256 |
| Net loans and leases to total assets | 75.7407% | 1,581 |
| Net loans and leases to deposits | 108.4569% | 306 |
| Net loans and leases to core deposits | 110.8589% | 961 |
| Total domestic deposits to total assets | 69.8348% | 5,540 |
| Equity capital to assets | 8.6655% | 5,179 |
| Core capital (leverage) ratio | 8.6351% | 5,102 |
| Tier 1 risk-based capital ratio | 13.0040% | 3,995 |
| Total risk-based capital ratio | 14.2611% | 3,905 |
| Memoranda: | ||
| Average total assets | $143,302,330 | 3,611 |
| Average earning assets | $130,508,000 | 3,637 |
| Average equity | $12,384,330 | 4,130 |
| Average total loans | $109,063,000 | 3,242 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 1,354 |
| Cost of funding earning assets | 0.5496% | 1,715 |
| Net interest margin | 3.9568% | 1,585 |
| Noninterest income to average assets | 1.9342% | 325 |
| Noninterest expense to average assets | 5.0072% | 232 |
| Loan and lease loss provision to assets | 0.2289% | 681 |
| Net operating income to assets | 0.2177% | 5,373 |
| Return on assets (ROA) | 0.2177% | 5,383 |
| Pretax return on assets | 0.3154% | 5,292 |
| Return on Equity (ROE) | 2.5225% | 5,224 |
| Retained earnings to average equity (ytd only) | 0.7438% | 4,734 |
| Net charge-offs to loans | -0.0662% | 5,301 |
| Credit loss provision to net charge-offs | -455.5556% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5928% | 575 |
| Assets per employee ($millions) | 2.3342% | 5,675 |
| Cash dividends to net income (ytd only)* | 70.5128% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,459 |
| Loan loss allowance to noncurrent loans | 62.9723% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 1,216 |
| Noncurrent loans to loans | 1.8141% | 1,031 |
| Net loans and leases to total assets | 74.7421% | 1,622 |
| Net loans and leases to deposits | 104.8058% | 367 |
| Net loans and leases to core deposits | 107.3915% | 1,008 |
| Total domestic deposits to total assets | 71.3149% | 5,579 |
| Equity capital to assets | 8.5667% | 5,189 |
| Core capital (leverage) ratio | 8.8663% | 4,887 |
| Tier 1 risk-based capital ratio | 13.2408% | 3,915 |
| Total risk-based capital ratio | 14.5123% | 3,829 |
| Memoranda: | ||
| Average total assets | $143,313,000 | 3,640 |
| Average earning assets | $131,013,500 | 3,667 |
| Average equity | $12,368,500 | 4,151 |
| Average total loans | $108,746,000 | 3,266 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 1,170 |
| Cost of funding earning assets | 0.5397% | 1,795 |
| Net interest margin | 4.1096% | 1,362 |
| Noninterest income to average assets | 2.8323% | 223 |
| Noninterest expense to average assets | 5.5369% | 206 |
| Loan and lease loss provision to assets | 0.2832% | 698 |
| Net operating income to assets | 0.5318% | 4,506 |
| Return on assets (ROA) | 0.5288% | 4,607 |
| Pretax return on assets | 0.7702% | 4,270 |
| Return on Equity (ROE) | 6.0912% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.0880% | 3,006 |
| Net charge-offs to loans | 0.6779% | 322 |
| Credit loss provision to net charge-offs | 52.9178% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.9761% | 3,912 |
| Efficiency ratio | 83.5953% | 1,049 |
| Assets per employee ($millions) | 2.3263% | 5,732 |
| Cash dividends to net income (ytd only)* | 32.8859% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,929 |
| Loan loss allowance to noncurrent loans | 40.6504% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 2.0493% | 660 |
| Noncurrent loans to loans | 2.6177% | 585 |
| Net loans and leases to total assets | 75.3494% | 1,623 |
| Net loans and leases to deposits | 111.5874% | 192 |
| Net loans and leases to core deposits | 113.5558% | 719 |
| Total domestic deposits to total assets | 67.5250% | 5,730 |
| Equity capital to assets | 8.6954% | 5,109 |
| Core capital (leverage) ratio | 8.6103% | 5,163 |
| Tier 1 risk-based capital ratio | 13.3044% | 3,891 |
| Total risk-based capital ratio | 14.5565% | 3,803 |
| Memoranda: | ||
| Average total assets | $140,872,800 | 3,654 |
| Average earning assets | $128,966,200 | 3,673 |
| Average equity | $12,230,800 | 4,216 |
| Average total loans | $111,221,000 | 3,200 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,219 |
| Cost of funding earning assets | 0.5341% | 1,843 |
| Net interest margin | 4.1041% | 1,374 |
| Noninterest income to average assets | 2.8626% | 219 |
| Noninterest expense to average assets | 5.5308% | 201 |
| Loan and lease loss provision to assets | 0.2276% | 885 |
| Net operating income to assets | 0.5917% | 4,324 |
| Return on assets (ROA) | 0.5917% | 4,434 |
| Pretax return on assets | 0.8638% | 4,106 |
| Return on Equity (ROE) | 6.8174% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.8509% | 2,930 |
| Net charge-offs to loans | 0.5654% | 373 |
| Credit loss provision to net charge-offs | 50.5263% | 3,025 |
| Earnings coverage of net charge-offs (x) | 2.4232% | 3,574 |
| Efficiency ratio | 83.0326% | 1,071 |
| Assets per employee ($millions) | 2.3865% | 5,775 |
| Cash dividends to net income (ytd only)* | 28.8456% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,726 |
| Loan loss allowance to noncurrent loans | 48.8462% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.8814% | 860 |
| Noncurrent loans to loans | 2.2961% | 802 |
| Net loans and leases to total assets | 78.1937% | 1,160 |
| Net loans and leases to deposits | 117.2263% | 141 |
| Net loans and leases to core deposits | 118.7871% | 545 |
| Total domestic deposits to total assets | 66.7032% | 5,801 |
| Equity capital to assets | 8.7039% | 5,394 |
| Core capital (leverage) ratio | 8.5982% | 5,263 |
| Tier 1 risk-based capital ratio | 13.0432% | 4,134 |
| Total risk-based capital ratio | 14.3079% | 4,035 |
| Memoranda: | ||
| Average total assets | $140,615,250 | 3,684 |
| Average earning assets | $128,811,750 | 3,690 |
| Average equity | $12,203,750 | 4,256 |
| Average total loans | $112,008,000 | 3,196 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 1,081 |
| Cost of funding earning assets | 0.5333% | 1,843 |
| Net interest margin | 4.1509% | 1,223 |
| Noninterest income to average assets | 2.5659% | 246 |
| Noninterest expense to average assets | 5.4022% | 222 |
| Loan and lease loss provision to assets | 0.2275% | 903 |
| Net operating income to assets | 0.5023% | 4,668 |
| Return on assets (ROA) | 0.5023% | 4,779 |
| Pretax return on assets | 0.7341% | 4,519 |
| Return on Equity (ROE) | 5.7934% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.8952% | 3,417 |
| Net charge-offs to loans | 0.5717% | 363 |
| Credit loss provision to net charge-offs | 49.8433% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.1066% | 3,324 |
| Efficiency ratio | 84.3490% | 1,016 |
| Assets per employee ($millions) | 2.3386% | 5,849 |
| Cash dividends to net income (ytd only)* | 32.7635% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,378 |
| Loan loss allowance to noncurrent loans | 40.4390% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.3975% | 600 |
| Noncurrent loans to loans | 2.9628% | 509 |
| Net loans and leases to total assets | 79.0468% | 1,060 |
| Net loans and leases to deposits | 121.4859% | 93 |
| Net loans and leases to core deposits | 123.1737% | 431 |
| Total domestic deposits to total assets | 65.0667% | 5,914 |
| Equity capital to assets | 8.7355% | 5,456 |
| Core capital (leverage) ratio | 8.6312% | 5,234 |
| Tier 1 risk-based capital ratio | 13.0454% | 4,175 |
| Total risk-based capital ratio | 14.3042% | 4,089 |
| Memoranda: | ||
| Average total assets | $139,757,670 | 3,724 |
| Average earning assets | $127,877,000 | 3,725 |
| Average equity | $12,117,330 | 4,299 |
| Average total loans | $111,599,330 | 3,217 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,160 |
| Cost of funding earning assets | 0.5332% | 1,842 |
| Net interest margin | 4.1088% | 1,313 |
| Noninterest income to average assets | 2.2914% | 286 |
| Noninterest expense to average assets | 4.9756% | 280 |
| Loan and lease loss provision to assets | 0.2810% | 586 |
| Net operating income to assets | 0.5363% | 4,479 |
| Return on assets (ROA) | 0.5363% | 4,587 |
| Pretax return on assets | 0.7915% | 4,221 |
| Return on Equity (ROE) | 6.2088% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.5487% | 3,209 |
| Net charge-offs to loans | 0.8196% | 251 |
| Credit loss provision to net charge-offs | 42.9825% | 2,119 |
| Earnings coverage of net charge-offs (x) | 1.6404% | 2,787 |
| Efficiency ratio | 81.7923% | 1,387 |
| Assets per employee ($millions) | 2.3073% | 5,925 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 3,275 |
| Loan loss allowance to noncurrent loans | 40.7407% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 2.4986% | 594 |
| Noncurrent loans to loans | 3.0356% | 526 |
| Net loans and leases to total assets | 79.3178% | 909 |
| Net loans and leases to deposits | 119.8010% | 102 |
| Net loans and leases to core deposits | 120.3894% | 456 |
| Total domestic deposits to total assets | 66.2080% | 5,965 |
| Equity capital to assets | 8.7664% | 5,370 |
| Core capital (leverage) ratio | 8.6184% | 5,272 |
| Tier 1 risk-based capital ratio | 13.0486% | 4,236 |
| Total risk-based capital ratio | 14.3038% | 4,145 |
| Memoranda: | ||
| Average total assets | $139,480,000 | 3,754 |
| Average earning assets | $127,532,500 | 3,759 |
| Average equity | $12,047,500 | 4,326 |
| Average total loans | $111,270,000 | 3,224 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 983 |
| Cost of funding earning assets | 0.4988% | 2,166 |
| Net interest margin | 4.2656% | 1,032 |
| Noninterest income to average assets | 2.6738% | 247 |
| Noninterest expense to average assets | 4.9708% | 284 |
| Loan and lease loss provision to assets | 0.4098% | 322 |
| Net operating income to assets | 0.8004% | 3,339 |
| Return on assets (ROA) | 0.8004% | 3,423 |
| Pretax return on assets | 1.1801% | 2,732 |
| Return on Equity (ROE) | 9.4631% | 2,237 |
| Retained earnings to average equity (ytd only) | 7.8136% | 975 |
| Net charge-offs to loans | 0.3641% | 806 |
| Credit loss provision to net charge-offs | 141.9847% | 1,852 |
| Earnings coverage of net charge-offs (x) | 5.5089% | 3,379 |
| Efficiency ratio | 75.2407% | 2,391 |
| Assets per employee ($millions) | 2.2665% | 5,980 |
| Cash dividends to net income (ytd only)* | 17.4312% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,663 |
| Loan loss allowance to noncurrent loans | 57.5086% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.9250% | 939 |
| Noncurrent loans to loans | 2.3501% | 810 |
| Net loans and leases to total assets | 78.1757% | 1,093 |
| Net loans and leases to deposits | 123.2362% | 78 |
| Net loans and leases to core deposits | 123.8587% | 382 |
| Total domestic deposits to total assets | 63.4356% | 6,055 |
| Equity capital to assets | 8.5104% | 5,556 |
| Core capital (leverage) ratio | 8.5140% | 5,416 |
| Tier 1 risk-based capital ratio | 12.5975% | 4,572 |
| Total risk-based capital ratio | 13.8645% | 4,457 |
| Memoranda: | ||
| Average total assets | $136,175,000 | 3,783 |
| Average earning assets | $124,086,000 | 3,800 |
| Average equity | $11,518,400 | 4,390 |
| Average total loans | $107,946,600 | 3,240 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 980 |
| Cost of funding earning assets | 0.4995% | 2,213 |
| Net interest margin | 4.2721% | 1,015 |
| Noninterest income to average assets | 2.7636% | 236 |
| Noninterest expense to average assets | 5.0514% | 274 |
| Loan and lease loss provision to assets | 0.4293% | 266 |
| Net operating income to assets | 0.7955% | 3,448 |
| Return on assets (ROA) | 0.7955% | 3,543 |
| Pretax return on assets | 1.1745% | 2,910 |
| Return on Equity (ROE) | 9.4198% | 2,342 |
| Retained earnings to average equity (ytd only) | 7.7837% | 1,339 |
| Net charge-offs to loans | 0.4146% | 617 |
| Credit loss provision to net charge-offs | 130.6306% | 1,871 |
| Earnings coverage of net charge-offs (x) | 4.8799% | 3,283 |
| Efficiency ratio | 75.4412% | 2,328 |
| Assets per employee ($millions) | 2.2797% | 6,061 |
| Cash dividends to net income (ytd only)* | 17.3695% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,995 |
| Loan loss allowance to noncurrent loans | 50.7032% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.1531% | 905 |
| Noncurrent loans to loans | 2.6021% | 760 |
| Net loans and leases to total assets | 78.8525% | 981 |
| Net loans and leases to deposits | 121.5334% | 87 |
| Net loans and leases to core deposits | 122.8470% | 404 |
| Total domestic deposits to total assets | 64.8813% | 6,116 |
| Equity capital to assets | 8.5984% | 5,647 |
| Core capital (leverage) ratio | 8.5822% | 5,480 |
| Tier 1 risk-based capital ratio | 12.6396% | 4,657 |
| Total risk-based capital ratio | 13.9082% | 4,551 |
| Memoranda: | ||
| Average total assets | $135,088,250 | 3,844 |
| Average earning assets | $123,058,500 | 3,859 |
| Average equity | $11,408,250 | 4,455 |
| Average total loans | $107,093,500 | 3,284 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 880 |
| Cost of funding earning assets | 0.5221% | 2,054 |
| Net interest margin | 4.2862% | 940 |
| Noninterest income to average assets | 2.7163% | 244 |
| Noninterest expense to average assets | 5.0564% | 281 |
| Loan and lease loss provision to assets | 0.4386% | 246 |
| Net operating income to assets | 0.7642% | 3,568 |
| Return on assets (ROA) | 0.7642% | 3,671 |
| Pretax return on assets | 1.1269% | 3,067 |
| Return on Equity (ROE) | 9.1049% | 2,483 |
| Retained earnings to average equity (ytd only) | 7.5106% | 1,471 |
| Net charge-offs to loans | 0.4889% | 511 |
| Credit loss provision to net charge-offs | 113.4615% | 1,885 |
| Earnings coverage of net charge-offs (x) | 4.0500% | 3,095 |
| Efficiency ratio | 76.0216% | 2,350 |
| Assets per employee ($millions) | 2.3646% | 6,095 |
| Cash dividends to net income (ytd only)* | 17.5097% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 3,478 |
| Loan loss allowance to noncurrent loans | 65.3517% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 1,530 |
| Noncurrent loans to loans | 1.9215% | 1,296 |
| Net loans and leases to total assets | 78.8393% | 956 |
| Net loans and leases to deposits | 120.7655% | 89 |
| Net loans and leases to core deposits | 122.8972% | 393 |
| Total domestic deposits to total assets | 65.2830% | 6,186 |
| Equity capital to assets | 8.3838% | 5,772 |
| Core capital (leverage) ratio | 8.5096% | 5,521 |
| Tier 1 risk-based capital ratio | 12.4873% | 4,817 |
| Total risk-based capital ratio | 13.7552% | 4,719 |
| Memoranda: | ||
| Average total assets | $134,523,670 | 3,884 |
| Average earning assets | $122,580,670 | 3,900 |
| Average equity | $11,290,670 | 4,509 |
| Average total loans | $106,358,670 | 3,315 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 1,213 |
| Cost of funding earning assets | 0.5719% | 1,645 |
| Net interest margin | 4.0295% | 1,468 |
| Noninterest income to average assets | 2.6304% | 251 |
| Noninterest expense to average assets | 4.8314% | 337 |
| Loan and lease loss provision to assets | 0.4024% | 288 |
| Net operating income to assets | 0.7297% | 3,646 |
| Return on assets (ROA) | 0.7297% | 3,781 |
| Pretax return on assets | 1.0780% | 3,177 |
| Return on Equity (ROE) | 8.6887% | 2,605 |
| Retained earnings to average equity (ytd only) | 7.2584% | 1,882 |
| Net charge-offs to loans | 0.3588% | 683 |
| Credit loss provision to net charge-offs | 142.5532% | 1,295 |
| Earnings coverage of net charge-offs (x) | 5.2447% | 2,404 |
| Efficiency ratio | 75.8325% | 2,544 |
| Assets per employee ($millions) | 2.2308% | 6,222 |
| Cash dividends to net income (ytd only)* | 16.4609% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 3,313 |
| Loan loss allowance to noncurrent loans | 69.1037% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.5353% | 1,688 |
| Noncurrent loans to loans | 1.9064% | 1,411 |
| Net loans and leases to total assets | 77.2322% | 1,026 |
| Net loans and leases to deposits | 113.7267% | 163 |
| Net loans and leases to core deposits | 115.7009% | 532 |
| Total domestic deposits to total assets | 67.9104% | 6,201 |
| Equity capital to assets | 8.4559% | 5,768 |
| Core capital (leverage) ratio | 8.3563% | 5,678 |
| Tier 1 risk-based capital ratio | 12.7883% | 4,734 |
| Total risk-based capital ratio | 14.0587% | 4,636 |
| Memoranda: | ||
| Average total assets | $133,212,500 | 3,933 |
| Average earning assets | $121,701,000 | 3,943 |
| Average equity | $11,187,000 | 4,563 |
| Average total loans | $104,788,000 | 3,360 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 1,295 |
| Cost of funding earning assets | 0.5648% | 2,097 |
| Net interest margin | 4.1402% | 1,462 |
| Noninterest income to average assets | 1.6468% | 468 |
| Noninterest expense to average assets | 4.4010% | 502 |
| Loan and lease loss provision to assets | 0.3568% | 528 |
| Net operating income to assets | 0.4551% | 4,994 |
| Return on assets (ROA) | 0.4690% | 5,031 |
| Pretax return on assets | 0.6818% | 4,686 |
| Return on Equity (ROE) | 5.6235% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.1388% | 3,253 |
| Net charge-offs to loans | 0.6771% | 556 |
| Credit loss provision to net charge-offs | 68.1953% | 3,113 |
| Earnings coverage of net charge-offs (x) | 1.9467% | 4,299 |
| Efficiency ratio | 80.6940% | 1,820 |
| Assets per employee ($millions) | 2.2858% | 6,279 |
| Cash dividends to net income (ytd only)* | 26.4026% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 3,551 |
| Loan loss allowance to noncurrent loans | 64.1762% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.5953% | 1,693 |
| Noncurrent loans to loans | 1.9919% | 1,395 |
| Net loans and leases to total assets | 78.0544% | 990 |
| Net loans and leases to deposits | 114.4483% | 156 |
| Net loans and leases to core deposits | 116.4431% | 515 |
| Total domestic deposits to total assets | 68.2006% | 6,263 |
| Equity capital to assets | 8.3392% | 5,872 |
| Core capital (leverage) ratio | 8.2660% | 5,806 |
| Tier 1 risk-based capital ratio | 12.5593% | 5,002 |
| Total risk-based capital ratio | 13.8306% | 4,903 |
| Memoranda: | ||
| Average total assets | $129,219,400 | 3,986 |
| Average earning assets | $117,747,200 | 4,014 |
| Average equity | $10,776,200 | 4,602 |
| Average total loans | $99,834,800 | 3,427 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 1,365 |
| Cost of funding earning assets | 0.5674% | 2,127 |
| Net interest margin | 4.1088% | 1,551 |
| Noninterest income to average assets | 1.5662% | 516 |
| Noninterest expense to average assets | 4.2726% | 576 |
| Loan and lease loss provision to assets | 0.3448% | 515 |
| Net operating income to assets | 0.4778% | 4,953 |
| Return on assets (ROA) | 0.4964% | 4,957 |
| Pretax return on assets | 0.7208% | 4,630 |
| Return on Equity (ROE) | 5.9528% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.4583% | 3,477 |
| Net charge-offs to loans | 0.7925% | 421 |
| Credit loss provision to net charge-offs | 56.6553% | 2,998 |
| Earnings coverage of net charge-offs (x) | 1.7065% | 4,095 |
| Efficiency ratio | 79.9570% | 1,925 |
| Assets per employee ($millions) | 2.3502% | 6,327 |
| Cash dividends to net income (ytd only)* | 25.1051% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 3,846 |
| Loan loss allowance to noncurrent loans | 56.8122% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 1,626 |
| Noncurrent loans to loans | 2.2278% | 1,361 |
| Net loans and leases to total assets | 77.1171% | 1,077 |
| Net loans and leases to deposits | 107.2321% | 284 |
| Net loans and leases to core deposits | 110.2645% | 736 |
| Total domestic deposits to total assets | 71.9161% | 6,176 |
| Equity capital to assets | 8.3247% | 5,921 |
| Core capital (leverage) ratio | 8.2663% | 5,872 |
| Tier 1 risk-based capital ratio | 12.5603% | 5,135 |
| Total risk-based capital ratio | 13.8329% | 5,049 |
| Memoranda: | ||
| Average total assets | $128,379,750 | 4,037 |
| Average earning assets | $117,014,750 | 4,058 |
| Average equity | $10,706,250 | 4,645 |
| Average total loans | $98,587,750 | 3,473 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 1,465 |
| Cost of funding earning assets | 0.5689% | 2,176 |
| Net interest margin | 4.0544% | 1,647 |
| Noninterest income to average assets | 1.2820% | 718 |
| Noninterest expense to average assets | 4.1680% | 624 |
| Loan and lease loss provision to assets | 0.3001% | 658 |
| Net operating income to assets | 0.3579% | 5,380 |
| Return on assets (ROA) | 0.3865% | 5,345 |
| Pretax return on assets | 0.5499% | 5,134 |
| Return on Equity (ROE) | 4.6315% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.0312% | 4,277 |
| Net charge-offs to loans | 0.6091% | 658 |
| Credit loss provision to net charge-offs | 64.5270% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.7399% | 3,723 |
| Efficiency ratio | 83.1755% | 1,608 |
| Assets per employee ($millions) | 2.5072% | 6,293 |
| Cash dividends to net income (ytd only)* | 34.5528% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 3,278 |
| Loan loss allowance to noncurrent loans | 68.6228% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.7059% | 1,913 |
| Noncurrent loans to loans | 2.0607% | 1,628 |
| Net loans and leases to total assets | 77.5362% | 970 |
| Net loans and leases to deposits | 105.1238% | 331 |
| Net loans and leases to core deposits | 108.4729% | 749 |
| Total domestic deposits to total assets | 73.7570% | 6,134 |
| Equity capital to assets | 8.2455% | 5,996 |
| Core capital (leverage) ratio | 8.1949% | 5,932 |
| Tier 1 risk-based capital ratio | 12.5504% | 5,193 |
| Total risk-based capital ratio | 13.8228% | 5,108 |
| Memoranda: | ||
| Average total assets | $127,303,330 | 4,087 |
| Average earning assets | $116,022,000 | 4,110 |
| Average equity | $10,623,000 | 4,675 |
| Average total loans | $97,185,670 | 3,510 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 1,363 |
| Cost of funding earning assets | 0.5638% | 2,308 |
| Net interest margin | 4.0902% | 1,487 |
| Noninterest income to average assets | 1.0814% | 954 |
| Noninterest expense to average assets | 4.1251% | 655 |
| Loan and lease loss provision to assets | 0.3117% | 604 |
| Net operating income to assets | 0.2513% | 5,658 |
| Return on assets (ROA) | 0.2513% | 5,700 |
| Pretax return on assets | 0.3594% | 5,570 |
| Return on Equity (ROE) | 2.9926% | 5,462 |
| Retained earnings to average equity (ytd only) | 1.4773% | 5,021 |
| Net charge-offs to loans | 0.9438% | 368 |
| Credit loss provision to net charge-offs | 43.9462% | 2,267 |
| Earnings coverage of net charge-offs (x) | 0.9462% | 3,226 |
| Efficiency ratio | 85.2122% | 1,518 |
| Assets per employee ($millions) | 2.4757% | 6,383 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,175 |
| Loan loss allowance to noncurrent loans | 74.5957% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.6521% | 2,137 |
| Noncurrent loans to loans | 1.9987% | 1,867 |
| Net loans and leases to total assets | 74.8279% | 1,144 |
| Net loans and leases to deposits | 95.0962% | 710 |
| Net loans and leases to core deposits | 98.0215% | 1,236 |
| Total domestic deposits to total assets | 78.6866% | 5,729 |
| Equity capital to assets | 8.3928% | 5,749 |
| Core capital (leverage) ratio | 8.3659% | 5,788 |
| Tier 1 risk-based capital ratio | 13.0385% | 4,984 |
| Total risk-based capital ratio | 14.3078% | 4,905 |
| Memoranda: | ||
| Average total assets | $125,768,000 | 4,148 |
| Average earning assets | $114,223,000 | 4,175 |
| Average equity | $10,559,500 | 4,714 |
| Average total loans | $94,510,000 | 3,600 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,846 |
| Cost of funding earning assets | 0.7064% | 1,770 |
| Net interest margin | 3.9018% | 2,275 |
| Noninterest income to average assets | 1.1697% | 1,027 |
| Noninterest expense to average assets | 3.9202% | 959 |
| Loan and lease loss provision to assets | 0.6539% | 363 |
| Net operating income to assets | 0.0994% | 6,045 |
| Return on assets (ROA) | 0.1365% | 6,031 |
| Pretax return on assets | 0.1889% | 5,964 |
| Return on Equity (ROE) | 1.6054% | 5,959 |
| Retained earnings to average equity (ytd only) | -9.8751% | 6,531 |
| Net charge-offs to loans | 1.1287% | 491 |
| Credit loss provision to net charge-offs | 82.0717% | 2,986 |
| Earnings coverage of net charge-offs (x) | 0.9930% | 4,749 |
| Efficiency ratio | 82.2301% | 1,855 |
| Assets per employee ($millions) | 2.5055% | 6,400 |
| Cash dividends to net income (ytd only)* | 715.1163% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 2,499 |
| Loan loss allowance to noncurrent loans | 66.6810% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.1497% | 1,659 |
| Noncurrent loans to loans | 2.5046% | 1,508 |
| Net loans and leases to total assets | 73.0844% | 1,509 |
| Net loans and leases to deposits | 96.9287% | 678 |
| Net loans and leases to core deposits | 100.6154% | 1,108 |
| Total domestic deposits to total assets | 75.4001% | 6,153 |
| Equity capital to assets | 8.3993% | 5,696 |
| Core capital (leverage) ratio | 8.3993% | 5,784 |
| Tier 1 risk-based capital ratio | 13.1349% | 4,897 |
| Total risk-based capital ratio | 14.4095% | 4,824 |
| Memoranda: | ||
| Average total assets | $126,012,400 | 4,143 |
| Average earning assets | $114,382,800 | 4,177 |
| Average equity | $10,713,800 | 4,695 |
| Average total loans | $88,954,000 | 3,714 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 1,988 |
| Cost of funding earning assets | 0.7105% | 1,881 |
| Net interest margin | 3.8551% | 2,442 |
| Noninterest income to average assets | 1.2171% | 988 |
| Noninterest expense to average assets | 3.8891% | 979 |
| Loan and lease loss provision to assets | 0.7670% | 261 |
| Net operating income to assets | 0.0425% | 6,228 |
| Return on assets (ROA) | 0.0919% | 6,207 |
| Pretax return on assets | 0.1268% | 6,181 |
| Return on Equity (ROE) | 1.0779% | 6,165 |
| Retained earnings to average equity (ytd only) | -14.1609% | 6,696 |
| Net charge-offs to loans | 1.3816% | 373 |
| Credit loss provision to net charge-offs | 79.6926% | 2,861 |
| Earnings coverage of net charge-offs (x) | 0.8573% | 4,569 |
| Efficiency ratio | 81.3088% | 1,932 |
| Assets per employee ($millions) | 2.8025% | 6,149 |
| Cash dividends to net income (ytd only)* | 1,413.7586% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 2,575 |
| Loan loss allowance to noncurrent loans | 63.2911% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.1726% | 1,836 |
| Noncurrent loans to loans | 2.7117% | 1,555 |
| Net loans and leases to total assets | 71.9838% | 1,594 |
| Net loans and leases to deposits | 91.4150% | 1,026 |
| Net loans and leases to core deposits | 95.0527% | 1,467 |
| Total domestic deposits to total assets | 78.7440% | 5,796 |
| Equity capital to assets | 8.4583% | 5,779 |
| Core capital (leverage) ratio | 8.4679% | 5,800 |
| Tier 1 risk-based capital ratio | 13.3559% | 4,868 |
| Total risk-based capital ratio | 14.5888% | 4,815 |
| Memoranda: | ||
| Average total assets | $126,197,250 | 4,189 |
| Average earning assets | $114,476,750 | 4,215 |
| Average equity | $10,761,750 | 4,745 |
| Average total loans | $87,915,000 | 3,762 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,106 |
| Cost of funding earning assets | 0.7165% | 1,945 |
| Net interest margin | 3.8065% | 2,534 |
| Noninterest income to average assets | 1.1466% | 1,159 |
| Noninterest expense to average assets | 3.9069% | 971 |
| Loan and lease loss provision to assets | 0.9673% | 197 |
| Net operating income to assets | -0.1771% | 6,475 |
| Return on assets (ROA) | -0.1117% | 6,459 |
| Pretax return on assets | -0.1746% | 6,478 |
| Return on Equity (ROE) | -1.3061% | 6,479 |
| Retained earnings to average equity (ytd only) | -23.9323% | 6,823 |
| Net charge-offs to loans | 1.6071% | 315 |
| Credit loss provision to net charge-offs | 87.8571% | 2,489 |
| Earnings coverage of net charge-offs (x) | 0.6271% | 4,313 |
| Efficiency ratio | 83.5443% | 1,689 |
| Assets per employee ($millions) | 2.9134% | 5,996 |
| Cash dividends to net income (ytd only)* | -1,732.3944% | 6,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 2,128 |
| Loan loss allowance to noncurrent loans | 60.0218% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.6388% | 1,585 |
| Noncurrent loans to loans | 3.1548% | 1,393 |
| Net loans and leases to total assets | 71.5680% | 1,642 |
| Net loans and leases to deposits | 88.8224% | 1,250 |
| Net loans and leases to core deposits | 92.3835% | 1,670 |
| Total domestic deposits to total assets | 80.5743% | 5,455 |
| Equity capital to assets | 8.5877% | 5,681 |
| Core capital (leverage) ratio | 8.6053% | 5,552 |
| Tier 1 risk-based capital ratio | 13.1914% | 4,998 |
| Total risk-based capital ratio | 14.4578% | 4,928 |
| Memoranda: | ||
| Average total assets | $127,159,330 | 4,200 |
| Average earning assets | $115,276,000 | 4,224 |
| Average equity | $10,872,330 | 4,751 |
| Average total loans | $87,115,330 | 3,788 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,855 |
| Cost of funding earning assets | 0.7094% | 2,129 |
| Net interest margin | 3.6010% | 3,265 |
| Noninterest income to average assets | 0.8946% | 1,774 |
| Noninterest expense to average assets | 3.6485% | 1,339 |
| Loan and lease loss provision to assets | 1.1999% | 133 |
| Net operating income to assets | -0.4465% | 6,654 |
| Return on assets (ROA) | -0.3175% | 6,619 |
| Pretax return on assets | -0.4854% | 6,671 |
| Return on Equity (ROE) | -3.7211% | 6,639 |
| Retained earnings to average equity (ytd only) | -47.7302% | 6,959 |
| Net charge-offs to loans | 2.9528% | 119 |
| Credit loss provision to net charge-offs | 61.1198% | 2,430 |
| Earnings coverage of net charge-offs (x) | 0.2628% | 3,733 |
| Efficiency ratio | 85.8504% | 1,534 |
| Assets per employee ($millions) | 3.0740% | 5,866 |
| Cash dividends to net income (ytd only)* | -1,182.6923% | 7,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 2,974 |
| Loan loss allowance to noncurrent loans | 49.2864% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 2.8595% | 1,578 |
| Noncurrent loans to loans | 3.4646% | 1,388 |
| Net loans and leases to total assets | 67.8219% | 2,047 |
| Net loans and leases to deposits | 83.3569% | 1,655 |
| Net loans and leases to core deposits | 86.2668% | 2,082 |
| Total domestic deposits to total assets | 81.3633% | 5,401 |
| Equity capital to assets | 8.3310% | 6,166 |
| Core capital (leverage) ratio | 8.1473% | 5,995 |
| Tier 1 risk-based capital ratio | 12.6531% | 5,470 |
| Total risk-based capital ratio | 13.9162% | 5,413 |
| Memoranda: | ||
| Average total assets | $131,014,000 | 4,162 |
| Average earning assets | $118,966,000 | 4,177 |
| Average equity | $11,179,500 | 4,739 |
| Average total loans | $87,104,000 | 3,810 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 3,434 |
| Cost of funding earning assets | 0.8882% | 2,005 |
| Net interest margin | 3.6029% | 4,068 |
| Noninterest income to average assets | 0.9596% | 1,670 |
| Noninterest expense to average assets | 3.3413% | 2,220 |
| Loan and lease loss provision to assets | 0.3266% | 2,085 |
| Net operating income to assets | 0.3813% | 5,176 |
| Return on assets (ROA) | 0.4160% | 5,287 |
| Pretax return on assets | 0.6240% | 4,914 |
| Return on Equity (ROE) | 4.2345% | 5,048 |
| Retained earnings to average equity (ytd only) | -13.5902% | 6,744 |
| Net charge-offs to loans | 0.4855% | 2,290 |
| Credit loss provision to net charge-offs | 102.3529% | 2,940 |
| Earnings coverage of net charge-offs (x) | 2.8165% | 4,021 |
| Efficiency ratio | 78.3779% | 2,380 |
| Assets per employee ($millions) | 3.3169% | 5,386 |
| Cash dividends to net income (ytd only)* | 420.9386% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 2,039 |
| Loan loss allowance to noncurrent loans | 46.8666% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 3.1017% | 1,518 |
| Noncurrent loans to loans | 4.2433% | 1,055 |
| Net loans and leases to total assets | 62.8772% | 3,081 |
| Net loans and leases to deposits | 76.9095% | 2,673 |
| Net loans and leases to core deposits | 80.6892% | 2,918 |
| Total domestic deposits to total assets | 81.7548% | 5,178 |
| Equity capital to assets | 8.7204% | 5,831 |
| Core capital (leverage) ratio | 8.5320% | 5,563 |
| Tier 1 risk-based capital ratio | 14.1889% | 4,250 |
| Total risk-based capital ratio | 15.3959% | 4,236 |
| Memoranda: | ||
| Average total assets | $133,182,600 | 4,078 |
| Average earning assets | $121,262,200 | 4,086 |
| Average equity | $13,083,000 | 4,341 |
| Average total loans | $87,547,200 | 3,813 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 3,335 |
| Cost of funding earning assets | 0.9226% | 2,029 |
| Net interest margin | 3.6472% | 4,015 |
| Noninterest income to average assets | 0.9138% | 1,783 |
| Noninterest expense to average assets | 3.3322% | 2,180 |
| Loan and lease loss provision to assets | 0.3492% | 1,870 |
| Net operating income to assets | 0.3701% | 5,370 |
| Return on assets (ROA) | 0.4167% | 5,412 |
| Pretax return on assets | 0.6240% | 5,095 |
| Return on Equity (ROE) | 4.1227% | 5,244 |
| Retained earnings to average equity (ytd only) | -3.8140% | 6,538 |
| Net charge-offs to loans | 0.4900% | 2,147 |
| Credit loss provision to net charge-offs | 107.7640% | 2,730 |
| Earnings coverage of net charge-offs (x) | 2.7888% | 3,924 |
| Efficiency ratio | 78.2371% | 2,366 |
| Assets per employee ($millions) | 3.3264% | 5,381 |
| Cash dividends to net income (ytd only)* | 192.5107% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 2,119 |
| Loan loss allowance to noncurrent loans | 65.9134% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.3639% | 2,249 |
| Noncurrent loans to loans | 3.0602% | 1,819 |
| Net loans and leases to total assets | 62.3303% | 3,329 |
| Net loans and leases to deposits | 77.2035% | 2,771 |
| Net loans and leases to core deposits | 81.1811% | 3,065 |
| Total domestic deposits to total assets | 80.7351% | 5,435 |
| Equity capital to assets | 9.7629% | 4,828 |
| Core capital (leverage) ratio | 9.5388% | 4,209 |
| Tier 1 risk-based capital ratio | 16.0168% | 3,252 |
| Total risk-based capital ratio | 17.2795% | 3,214 |
| Memoranda: | ||
| Average total assets | $132,480,250 | 4,124 |
| Average earning assets | $120,673,250 | 4,138 |
| Average equity | $13,389,000 | 4,322 |
| Average total loans | $87,623,250 | 3,844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 2,927 |
| Cost of funding earning assets | 0.9628% | 1,980 |
| Net interest margin | 3.7339% | 3,666 |
| Noninterest income to average assets | 0.9209% | 1,708 |
| Noninterest expense to average assets | 3.3588% | 2,132 |
| Loan and lease loss provision to assets | 0.3857% | 1,699 |
| Net operating income to assets | 0.3803% | 5,296 |
| Return on assets (ROA) | 0.4589% | 5,239 |
| Pretax return on assets | 0.6876% | 4,863 |
| Return on Equity (ROE) | 4.4880% | 5,045 |
| Retained earnings to average equity (ytd only) | -6.7245% | 6,709 |
| Net charge-offs to loans | 0.6893% | 1,611 |
| Credit loss provision to net charge-offs | 83.4983% | 3,227 |
| Earnings coverage of net charge-offs (x) | 2.0693% | 3,954 |
| Efficiency ratio | 77.4912% | 2,523 |
| Assets per employee ($millions) | 3.1058% | 5,838 |
| Cash dividends to net income (ytd only)* | 249.8339% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 2,499 |
| Loan loss allowance to noncurrent loans | 78.0886% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.0913% | 2,674 |
| Noncurrent loans to loans | 2.4538% | 2,450 |
| Net loans and leases to total assets | 65.7304% | 2,726 |
| Net loans and leases to deposits | 82.1409% | 2,093 |
| Net loans and leases to core deposits | 86.6317% | 2,343 |
| Total domestic deposits to total assets | 80.0215% | 5,734 |
| Equity capital to assets | 10.0494% | 4,261 |
| Core capital (leverage) ratio | 9.9099% | 3,553 |
| Tier 1 risk-based capital ratio | 16.2324% | 3,047 |
| Total risk-based capital ratio | 17.4925% | 3,005 |
| Memoranda: | ||
| Average total assets | $131,179,330 | 4,182 |
| Average earning assets | $119,231,330 | 4,192 |
| Average equity | $13,413,670 | 4,318 |
| Average total loans | $87,911,670 | 3,855 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 3,130 |
| Cost of funding earning assets | 0.9847% | 2,071 |
| Net interest margin | 3.6953% | 3,856 |
| Noninterest income to average assets | 0.9487% | 1,573 |
| Noninterest expense to average assets | 3.4482% | 1,882 |
| Loan and lease loss provision to assets | 0.2402% | 2,546 |
| Net operating income to assets | 0.4185% | 5,179 |
| Return on assets (ROA) | 0.4348% | 5,292 |
| Pretax return on assets | 0.6507% | 4,937 |
| Return on Equity (ROE) | 4.2164% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.8896% | 4,808 |
| Net charge-offs to loans | 0.2450% | 2,707 |
| Credit loss provision to net charge-offs | 146.2963% | 1,700 |
| Earnings coverage of net charge-offs (x) | 5.2778% | 2,406 |
| Efficiency ratio | 79.2107% | 2,314 |
| Assets per employee ($millions) | 3.1977% | 5,776 |
| Cash dividends to net income (ytd only)* | 31.4685% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 2,359 |
| Loan loss allowance to noncurrent loans | 59.9110% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.5539% | 2,313 |
| Noncurrent loans to loans | 3.3346% | 1,909 |
| Net loans and leases to total assets | 63.9194% | 2,862 |
| Net loans and leases to deposits | 79.6783% | 2,248 |
| Net loans and leases to core deposits | 83.6732% | 2,587 |
| Total domestic deposits to total assets | 80.2219% | 5,797 |
| Equity capital to assets | 10.1292% | 3,943 |
| Core capital (leverage) ratio | 10.0213% | 3,343 |
| Tier 1 risk-based capital ratio | 17.0633% | 2,659 |
| Total risk-based capital ratio | 18.3072% | 2,625 |
| Memoranda: | ||
| Average total assets | $131,546,500 | 4,199 |
| Average earning assets | $119,828,500 | 4,201 |
| Average equity | $13,566,000 | 4,287 |
| Average total loans | $88,159,000 | 3,880 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 2,877 |
| Cost of funding earning assets | 1.2287% | 1,844 |
| Net interest margin | 3.7722% | 3,966 |
| Noninterest income to average assets | 0.7076% | 2,551 |
| Noninterest expense to average assets | 3.1731% | 2,955 |
| Loan and lease loss provision to assets | 0.4689% | 2,257 |
| Net operating income to assets | 0.3290% | 5,152 |
| Return on assets (ROA) | 0.3372% | 5,273 |
| Pretax return on assets | 0.5092% | 4,964 |
| Return on Equity (ROE) | 3.2755% | 5,166 |
| Retained earnings to average equity (ytd only) | 2.0330% | 4,765 |
| Net charge-offs to loans | 0.5446% | 2,834 |
| Credit loss provision to net charge-offs | 120.2783% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.4771% | 3,975 |
| Efficiency ratio | 76.6667% | 2,803 |
| Assets per employee ($millions) | 2.9951% | 6,093 |
| Cash dividends to net income (ytd only)* | 37.9310% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 2,435 |
| Loan loss allowance to noncurrent loans | 76.0582% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 2,751 |
| Noncurrent loans to loans | 2.5563% | 2,568 |
| Net loans and leases to total assets | 67.5498% | 2,483 |
| Net loans and leases to deposits | 84.8940% | 1,816 |
| Net loans and leases to core deposits | 89.2789% | 2,224 |
| Total domestic deposits to total assets | 79.5695% | 5,854 |
| Equity capital to assets | 10.5041% | 3,532 |
| Core capital (leverage) ratio | 10.4080% | 2,837 |
| Tier 1 risk-based capital ratio | 17.5366% | 2,367 |
| Total risk-based capital ratio | 18.7991% | 2,333 |
| Memoranda: | ||
| Average total assets | $129,021,200 | 4,188 |
| Average earning assets | $117,357,800 | 4,202 |
| Average equity | $13,280,600 | 4,287 |
| Average total loans | $92,361,400 | 3,802 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 2,896 |
| Cost of funding earning assets | 1.2699% | 1,863 |
| Net interest margin | 3.7688% | 4,019 |
| Noninterest income to average assets | 0.6280% | 3,007 |
| Noninterest expense to average assets | 3.1473% | 3,003 |
| Loan and lease loss provision to assets | 0.4968% | 2,001 |
| Net operating income to assets | 0.2720% | 5,501 |
| Return on assets (ROA) | 0.2727% | 5,660 |
| Pretax return on assets | 0.4121% | 5,428 |
| Return on Equity (ROE) | 2.6628% | 5,553 |
| Retained earnings to average equity (ytd only) | 1.4525% | 5,416 |
| Net charge-offs to loans | 0.6847% | 2,203 |
| Credit loss provision to net charge-offs | 100.4175% | 3,353 |
| Earnings coverage of net charge-offs (x) | 1.8351% | 4,289 |
| Efficiency ratio | 77.6108% | 2,594 |
| Assets per employee ($millions) | 3.0095% | 6,097 |
| Cash dividends to net income (ytd only)* | 45.4558% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 3,023 |
| Loan loss allowance to noncurrent loans | 70.6215% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 2.2958% | 2,789 |
| Noncurrent loans to loans | 2.5148% | 2,753 |
| Net loans and leases to total assets | 69.4501% | 2,191 |
| Net loans and leases to deposits | 87.0999% | 1,542 |
| Net loans and leases to core deposits | 91.5596% | 2,048 |
| Total domestic deposits to total assets | 79.7362% | 5,818 |
| Equity capital to assets | 10.3943% | 3,842 |
| Core capital (leverage) ratio | 10.2663% | 3,116 |
| Tier 1 risk-based capital ratio | 17.0656% | 2,620 |
| Total risk-based capital ratio | 18.3312% | 2,570 |
| Memoranda: | ||
| Average total assets | $129,079,500 | 4,216 |
| Average earning assets | $117,382,250 | 4,215 |
| Average equity | $13,218,750 | 4,302 |
| Average total loans | $93,271,500 | 3,812 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 3,124 |
| Cost of funding earning assets | 1.3080% | 1,889 |
| Net interest margin | 3.6987% | 4,265 |
| Noninterest income to average assets | 0.5614% | 3,393 |
| Noninterest expense to average assets | 3.0813% | 3,324 |
| Loan and lease loss provision to assets | 0.4962% | 1,982 |
| Net operating income to assets | 0.2264% | 5,641 |
| Return on assets (ROA) | 0.2264% | 5,760 |
| Pretax return on assets | 0.3427% | 5,568 |
| Return on Equity (ROE) | 2.2220% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.0806% | 5,430 |
| Net charge-offs to loans | 0.8374% | 1,828 |
| Credit loss provision to net charge-offs | 81.4249% | 3,725 |
| Earnings coverage of net charge-offs (x) | 1.3766% | 4,247 |
| Efficiency ratio | 78.5997% | 2,611 |
| Assets per employee ($millions) | 2.9791% | 6,129 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 3,399 |
| Loan loss allowance to noncurrent loans | 41.5216% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 3.5379% | 1,854 |
| Noncurrent loans to loans | 4.0386% | 1,714 |
| Net loans and leases to total assets | 70.9461% | 2,016 |
| Net loans and leases to deposits | 89.0598% | 1,369 |
| Net loans and leases to core deposits | 93.3895% | 1,975 |
| Total domestic deposits to total assets | 79.6612% | 5,911 |
| Equity capital to assets | 10.3294% | 3,711 |
| Core capital (leverage) ratio | 10.2965% | 2,941 |
| Tier 1 risk-based capital ratio | 16.5820% | 2,701 |
| Total risk-based capital ratio | 17.8522% | 2,650 |
| Memoranda: | ||
| Average total assets | $128,970,000 | 4,249 |
| Average earning assets | $117,121,000 | 4,252 |
| Average equity | $13,141,330 | 4,308 |
| Average total loans | $93,862,330 | 3,843 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 2,119 |
| Cost of funding earning assets | 1.3276% | 2,021 |
| Net interest margin | 3.9009% | 3,135 |
| Noninterest income to average assets | 0.5688% | 3,375 |
| Noninterest expense to average assets | 3.4404% | 2,172 |
| Loan and lease loss provision to assets | 0.4049% | 2,166 |
| Net operating income to assets | 0.1700% | 5,887 |
| Return on assets (ROA) | 0.1700% | 5,934 |
| Pretax return on assets | 0.2566% | 5,790 |
| Return on Equity (ROE) | 1.6799% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.6109% | 5,588 |
| Net charge-offs to loans | 1.0150% | 1,346 |
| Credit loss provision to net charge-offs | 54.5833% | 3,659 |
| Earnings coverage of net charge-offs (x) | 0.8917% | 3,975 |
| Efficiency ratio | 83.8734% | 1,970 |
| Assets per employee ($millions) | 3.1031% | 5,941 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 3,657 |
| Loan loss allowance to noncurrent loans | 53.1370% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.7587% | 2,504 |
| Noncurrent loans to loans | 3.0471% | 2,466 |
| Net loans and leases to total assets | 69.0331% | 2,317 |
| Net loans and leases to deposits | 86.4627% | 1,656 |
| Net loans and leases to core deposits | 90.2511% | 2,319 |
| Total domestic deposits to total assets | 79.8416% | 5,981 |
| Equity capital to assets | 9.8252% | 4,005 |
| Core capital (leverage) ratio | 9.8379% | 3,348 |
| Tier 1 risk-based capital ratio | 16.1408% | 2,841 |
| Total risk-based capital ratio | 17.4120% | 2,794 |
| Memoranda: | ||
| Average total assets | $129,405,000 | 4,270 |
| Average earning assets | $117,204,000 | 4,275 |
| Average equity | $13,096,000 | 4,312 |
| Average total loans | $94,577,500 | 3,866 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8069% | 1,261 |
| Cost of funding earning assets | 1.5473% | 2,364 |
| Net interest margin | 4.2596% | 1,956 |
| Noninterest income to average assets | 0.7147% | 2,758 |
| Noninterest expense to average assets | 3.3655% | 2,536 |
| Loan and lease loss provision to assets | 0.4239% | 3,568 |
| Net operating income to assets | 0.5100% | 4,052 |
| Return on assets (ROA) | 0.6039% | 3,818 |
| Pretax return on assets | 0.9019% | 3,286 |
| Return on Equity (ROE) | 5.9025% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.6566% | 2,634 |
| Net charge-offs to loans | 0.5576% | 3,390 |
| Credit loss provision to net charge-offs | 95.1699% | 4,886 |
| Earnings coverage of net charge-offs (x) | 2.6619% | 3,765 |
| Efficiency ratio | 73.9496% | 3,409 |
| Assets per employee ($millions) | 2.8495% | 6,440 |
| Cash dividends to net income (ytd only)* | 21.1082% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 3,212 |
| Loan loss allowance to noncurrent loans | 42.0114% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.6035% | 1,911 |
| Noncurrent loans to loans | 4.0492% | 1,785 |
| Net loans and leases to total assets | 74.8949% | 1,495 |
| Net loans and leases to deposits | 95.2024% | 933 |
| Net loans and leases to core deposits | 100.2327% | 1,595 |
| Total domestic deposits to total assets | 78.6691% | 6,173 |
| Equity capital to assets | 10.4341% | 3,233 |
| Core capital (leverage) ratio | 10.4530% | 2,604 |
| Tier 1 risk-based capital ratio | 16.0299% | 2,733 |
| Total risk-based capital ratio | 17.2956% | 2,686 |
| Memoranda: | ||
| Average total assets | $125,507,800 | 4,361 |
| Average earning assets | $113,038,600 | 4,398 |
| Average equity | $12,842,000 | 4,389 |
| Average total loans | $100,247,800 | 3,785 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 1,179 |
| Cost of funding earning assets | 1.5815% | 2,498 |
| Net interest margin | 4.2991% | 1,853 |
| Noninterest income to average assets | 0.6022% | 3,426 |
| Noninterest expense to average assets | 3.3816% | 2,352 |
| Loan and lease loss provision to assets | 0.4174% | 3,400 |
| Net operating income to assets | 0.4568% | 4,507 |
| Return on assets (ROA) | 0.5820% | 4,108 |
| Pretax return on assets | 0.8645% | 3,685 |
| Return on Equity (ROE) | 5.7162% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.4645% | 3,368 |
| Net charge-offs to loans | 0.5915% | 2,968 |
| Credit loss provision to net charge-offs | 87.3333% | 4,879 |
| Earnings coverage of net charge-offs (x) | 2.2911% | 4,018 |
| Efficiency ratio | 75.5397% | 3,030 |
| Assets per employee ($millions) | 2.8140% | 6,558 |
| Cash dividends to net income (ytd only)* | 21.8983% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 3,491 |
| Loan loss allowance to noncurrent loans | 38.4783% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 3.7637% | 1,892 |
| Noncurrent loans to loans | 4.1827% | 1,750 |
| Net loans and leases to total assets | 78.6536% | 935 |
| Net loans and leases to deposits | 100.3007% | 640 |
| Net loans and leases to core deposits | 105.6810% | 1,352 |
| Total domestic deposits to total assets | 78.4178% | 6,163 |
| Equity capital to assets | 10.5028% | 3,513 |
| Core capital (leverage) ratio | 10.4743% | 2,712 |
| Tier 1 risk-based capital ratio | 15.7096% | 2,902 |
| Total risk-based capital ratio | 16.9680% | 2,856 |
| Memoranda: | ||
| Average total assets | $125,540,500 | 4,429 |
| Average earning assets | $113,137,250 | 4,455 |
| Average equity | $12,782,000 | 4,480 |
| Average total loans | $101,428,250 | 3,820 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 1,010 |
| Cost of funding earning assets | 1.6219% | 2,538 |
| Net interest margin | 4.3519% | 1,581 |
| Noninterest income to average assets | 0.4583% | 4,452 |
| Noninterest expense to average assets | 3.2621% | 2,686 |
| Loan and lease loss provision to assets | 0.5043% | 2,784 |
| Net operating income to assets | 0.4176% | 4,671 |
| Return on assets (ROA) | 0.6074% | 3,985 |
| Pretax return on assets | 0.8944% | 3,518 |
| Return on Equity (ROE) | 6.0277% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.8473% | 2,984 |
| Net charge-offs to loans | 0.8372% | 2,162 |
| Credit loss provision to net charge-offs | 74.2991% | 4,850 |
| Earnings coverage of net charge-offs (x) | 1.6495% | 4,266 |
| Efficiency ratio | 74.4481% | 3,388 |
| Assets per employee ($millions) | 2.8313% | 6,505 |
| Cash dividends to net income (ytd only)* | 19.5822% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,786 |
| Loan loss allowance to noncurrent loans | 76.0494% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 2.0951% | 3,384 |
| Noncurrent loans to loans | 2.0074% | 3,704 |
| Net loans and leases to total assets | 79.7415% | 840 |
| Net loans and leases to deposits | 104.6732% | 455 |
| Net loans and leases to core deposits | 110.6066% | 1,128 |
| Total domestic deposits to total assets | 76.1814% | 6,652 |
| Equity capital to assets | 10.3408% | 3,592 |
| Core capital (leverage) ratio | 10.2961% | 2,827 |
| Tier 1 risk-based capital ratio | 15.2464% | 3,042 |
| Total risk-based capital ratio | 16.5040% | 2,990 |
| Memoranda: | ||
| Average total assets | $126,115,670 | 4,443 |
| Average earning assets | $113,696,670 | 4,455 |
| Average equity | $12,708,000 | 4,499 |
| Average total loans | $102,245,000 | 3,826 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9769% | 1,023 |
| Cost of funding earning assets | 1.7287% | 2,241 |
| Net interest margin | 4.2482% | 1,861 |
| Noninterest income to average assets | 0.2553% | 6,105 |
| Noninterest expense to average assets | 3.1304% | 3,137 |
| Loan and lease loss provision to assets | 0.4666% | 2,636 |
| Net operating income to assets | 0.3257% | 5,188 |
| Return on assets (ROA) | 0.7030% | 3,542 |
| Pretax return on assets | 1.0403% | 2,933 |
| Return on Equity (ROE) | 7.0676% | 3,310 |
| Retained earnings to average equity (ytd only) | 6.1168% | 2,567 |
| Net charge-offs to loans | 0.4780% | 2,623 |
| Credit loss provision to net charge-offs | 120.3252% | 2,895 |
| Earnings coverage of net charge-offs (x) | 2.4553% | 3,313 |
| Efficiency ratio | 76.6795% | 3,103 |
| Assets per employee ($millions) | 3.1659% | 5,843 |
| Cash dividends to net income (ytd only)* | 13.4529% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,301 |
| Loan loss allowance to noncurrent loans | 63.3510% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.4527% | 2,964 |
| Noncurrent loans to loans | 2.5855% | 3,087 |
| Net loans and leases to total assets | 79.4286% | 923 |
| Net loans and leases to deposits | 102.4652% | 616 |
| Net loans and leases to core deposits | 112.9964% | 1,096 |
| Total domestic deposits to total assets | 77.5176% | 6,446 |
| Equity capital to assets | 10.0334% | 3,820 |
| Core capital (leverage) ratio | 10.0320% | 3,126 |
| Tier 1 risk-based capital ratio | 14.8403% | 3,187 |
| Total risk-based capital ratio | 16.0990% | 3,142 |
| Memoranda: | ||
| Average total assets | $126,886,000 | 4,483 |
| Average earning assets | $114,306,500 | 4,508 |
| Average equity | $12,621,000 | 4,559 |
| Average total loans | $102,928,500 | 3,858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9311% | 2,126 |
| Cost of funding earning assets | 2.5462% | 903 |
| Net interest margin | 3.3849% | 5,429 |
| Noninterest income to average assets | 0.2019% | 6,659 |
| Noninterest expense to average assets | 3.4495% | 2,529 |
| Loan and lease loss provision to assets | 0.6694% | 3,138 |
| Net operating income to assets | -0.5278% | 6,218 |
| Return on assets (ROA) | -0.5900% | 6,257 |
| Pretax return on assets | -0.9039% | 6,345 |
| Return on Equity (ROE) | -6.3024% | 6,335 |
| Retained earnings to average equity (ytd only) | -7.0873% | 6,246 |
| Net charge-offs to loans | 0.2040% | 5,358 |
| Credit loss provision to net charge-offs | 419.5349% | 751 |
| Earnings coverage of net charge-offs (x) | -0.8698% | 6,853 |
| Efficiency ratio | 104.1919% | 949 |
| Assets per employee ($millions) | 3.3457% | 5,387 |
| Cash dividends to net income (ytd only)* | -12.4528% | 7,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 3,310 |
| Loan loss allowance to noncurrent loans | 54.0452% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.9355% | 2,385 |
| Noncurrent loans to loans | 2.9470% | 2,611 |
| Net loans and leases to total assets | 80.1872% | 961 |
| Net loans and leases to deposits | 103.4880% | 671 |
| Net loans and leases to core deposits | 118.8861% | 2,048 |
| Total domestic deposits to total assets | 77.4846% | 6,350 |
| Equity capital to assets | 9.8604% | 3,930 |
| Core capital (leverage) ratio | 9.8427% | 3,280 |
| Tier 1 risk-based capital ratio | 14.5903% | 3,157 |
| Total risk-based capital ratio | 15.8492% | 3,105 |
| Memoranda: | ||
| Average total assets | $134,745,000 | 4,243 |
| Average earning assets | $123,755,000 | 4,222 |
| Average equity | $12,614,200 | 4,608 |
| Average total loans | $105,416,000 | 3,795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8856% | 2,509 |
| Cost of funding earning assets | 2.7191% | 747 |
| Net interest margin | 3.1665% | 6,125 |
| Noninterest income to average assets | 0.1483% | 7,118 |
| Noninterest expense to average assets | 3.6433% | 1,937 |
| Loan and lease loss provision to assets | 0.7777% | 2,428 |
| Net operating income to assets | -0.8887% | 6,755 |
| Return on assets (ROA) | -0.9718% | 6,817 |
| Pretax return on assets | -1.4772% | 6,949 |
| Return on Equity (ROE) | -10.5113% | 6,930 |
| Retained earnings to average equity (ytd only) | -11.1867% | 6,895 |
| Net charge-offs to loans | 0.1700% | 5,033 |
| Credit loss provision to net charge-offs | 590.3704% | 653 |
| Earnings coverage of net charge-offs (x) | -4.3554% | 6,838 |
| Efficiency ratio | 118.6904% | 608 |
| Assets per employee ($millions) | 3.4966% | 4,934 |
| Cash dividends to net income (ytd only)* | -6.4256% | 7,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 3,191 |
| Loan loss allowance to noncurrent loans | 58.5375% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.5654% | 2,707 |
| Noncurrent loans to loans | 2.6496% | 2,857 |
| Net loans and leases to total assets | 79.7278% | 1,228 |
| Net loans and leases to deposits | 105.5169% | 677 |
| Net loans and leases to core deposits | 122.0530% | 2,067 |
| Total domestic deposits to total assets | 75.5592% | 6,666 |
| Equity capital to assets | 9.5506% | 4,677 |
| Core capital (leverage) ratio | 9.5433% | 3,854 |
| Tier 1 risk-based capital ratio | 14.3183% | 3,373 |
| Total risk-based capital ratio | 15.5759% | 3,315 |
| Memoranda: | ||
| Average total assets | $136,647,500 | 4,218 |
| Average earning assets | $126,067,500 | 4,209 |
| Average equity | $12,633,750 | 4,625 |
| Average total loans | $105,871,000 | 3,825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8274% | 2,915 |
| Cost of funding earning assets | 3.0076% | 465 |
| Net interest margin | 2.8198% | 6,976 |
| Noninterest income to average assets | 0.0403% | 7,786 |
| Noninterest expense to average assets | 4.1173% | 1,168 |
| Loan and lease loss provision to assets | 1.0513% | 1,619 |
| Net operating income to assets | -1.6584% | 7,313 |
| Return on assets (ROA) | -1.7789% | 7,351 |
| Pretax return on assets | -2.6993% | 7,472 |
| Return on Equity (ROE) | -19.4400% | 7,487 |
| Retained earnings to average equity (ytd only) | -20.4458% | 7,468 |
| Net charge-offs to loans | 0.1770% | 4,468 |
| Credit loss provision to net charge-offs | 777.6596% | 602 |
| Earnings coverage of net charge-offs (x) | -10.8404% | 6,533 |
| Efficiency ratio | 155.2603% | 347 |
| Assets per employee ($millions) | 3.4742% | 4,883 |
| Cash dividends to net income (ytd only)* | -5.1738% | 7,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 3,117 |
| Loan loss allowance to noncurrent loans | 62.8190% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1837% | 2,954 |
| Noncurrent loans to loans | 2.4087% | 3,001 |
| Net loans and leases to total assets | 81.0166% | 1,135 |
| Net loans and leases to deposits | 109.6901% | 563 |
| Net loans and leases to core deposits | 126.9808% | 1,784 |
| Total domestic deposits to total assets | 73.8595% | 6,967 |
| Equity capital to assets | 9.3478% | 4,803 |
| Core capital (leverage) ratio | 9.4071% | 4,019 |
| Tier 1 risk-based capital ratio | 14.0476% | 3,490 |
| Total risk-based capital ratio | 15.3051% | 3,426 |
| Memoranda: | ||
| Average total assets | $139,072,000 | 4,190 |
| Average earning assets | $128,805,670 | 4,163 |
| Average equity | $12,726,330 | 4,618 |
| Average total loans | $106,237,330 | 3,849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8037% | 3,280 |
| Cost of funding earning assets | 2.9704% | 647 |
| Net interest margin | 2.8332% | 6,919 |
| Noninterest income to average assets | 0.2078% | 6,808 |
| Noninterest expense to average assets | 2.6715% | 5,145 |
| Loan and lease loss provision to assets | 0.1663% | 4,800 |
| Net operating income to assets | 0.0012% | 6,248 |
| Return on assets (ROA) | 0.1330% | 6,045 |
| Pretax return on assets | 0.1995% | 5,936 |
| Return on Equity (ROE) | 1.4677% | 5,979 |
| Retained earnings to average equity (ytd only) | -0.4892% | 5,760 |
| Net charge-offs to loans | 0.0864% | 4,302 |
| Credit loss provision to net charge-offs | 260.8696% | 1,811 |
| Earnings coverage of net charge-offs (x) | 2.6522% | 3,430 |
| Efficiency ratio | 94.0488% | 1,428 |
| Assets per employee ($millions) | 3.9410% | 3,791 |
| Cash dividends to net income (ytd only)* | 133.3333% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,475 |
| Loan loss allowance to noncurrent loans | 73.0994% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 4,001 |
| Noncurrent loans to loans | 1.3033% | 4,370 |
| Net loans and leases to total assets | 71.2985% | 3,408 |
| Net loans and leases to deposits | 108.0133% | 724 |
| Net loans and leases to core deposits | 123.7985% | 2,097 |
| Total domestic deposits to total assets | 66.0090% | 7,731 |
| Equity capital to assets | 8.9516% | 5,414 |
| Core capital (leverage) ratio | 9.1609% | 4,463 |
| Tier 1 risk-based capital ratio | 15.0003% | 3,070 |
| Total risk-based capital ratio | 16.1285% | 3,052 |
| Memoranda: | ||
| Average total assets | $144,336,000 | 4,107 |
| Average earning assets | $134,122,000 | 4,069 |
| Average equity | $13,081,500 | 4,563 |
| Average total loans | $106,485,000 | 3,872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3406% | 3,728 |
| Cost of funding earning assets | 3.4840% | 547 |
| Net interest margin | 2.8566% | 7,243 |
| Noninterest income to average assets | 0.2198% | 6,869 |
| Noninterest expense to average assets | 2.1924% | 6,983 |
| Loan and lease loss provision to assets | 0.3039% | 3,943 |
| Net operating income to assets | 0.2495% | 5,712 |
| Return on assets (ROA) | 0.2763% | 5,439 |
| Pretax return on assets | 0.4210% | 5,203 |
| Return on Equity (ROE) | 3.5728% | 5,008 |
| Retained earnings to average equity (ytd only) | -0.9712% | 5,582 |
| Net charge-offs to loans | 0.1775% | 4,429 |
| Credit loss provision to net charge-offs | 227.3196% | 2,086 |
| Earnings coverage of net charge-offs (x) | 5.1186% | 3,745 |
| Efficiency ratio | 76.2156% | 3,204 |
| Assets per employee ($millions) | 3.8609% | 3,831 |
| Cash dividends to net income (ytd only)* | 127.1820% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 6,724 |
| Loan loss allowance to noncurrent loans | 50.0780% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 3,134 |
| Noncurrent loans to loans | 1.7805% | 3,091 |
| Net loans and leases to total assets | 74.9303% | 2,895 |
| Net loans and leases to deposits | 114.8841% | 578 |
| Net loans and leases to core deposits | 130.0762% | 1,847 |
| Total domestic deposits to total assets | 65.2225% | 7,707 |
| Equity capital to assets | 9.1772% | 5,114 |
| Core capital (leverage) ratio | 9.3644% | 4,213 |
| Tier 1 risk-based capital ratio | 14.8843% | 3,105 |
| Total risk-based capital ratio | 15.9599% | 3,117 |
| Memoranda: | ||
| Average total assets | $145,134,600 | 3,990 |
| Average earning assets | $134,987,400 | 3,951 |
| Average equity | $11,223,600 | 5,058 |
| Average total loans | $109,317,000 | 3,694 |