Home > First Freedom Bank > Performance and Condition Ratios
First Freedom Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9462% | 683 |
| Cost of funding earning assets | 1.8925% | 1,081 |
| Net interest margin | 4.0537% | 1,127 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.1391% | 3,297 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.6102% | 852 |
| Return on assets (ROA) | 1.6868% | 721 |
| Pretax return on assets | 2.1247% | 547 |
| Return on Equity (ROE) | 15.1700% | 1,254 |
| Retained earnings to average equity (ytd only) | 8.6586% | 1,348 |
| Net charge-offs to loans | 0.2247% | 485 |
| Credit loss provision to net charge-offs | 92.3345% | 1,932 |
| Earnings coverage of net charge-offs (x) | 11.8737% | 2,172 |
| Efficiency ratio | 49.3768% | 4,018 |
| Assets per employee ($millions) | 9.5799% | 806 |
| Cash dividends to net income (ytd only)* | 42.9049% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,121 |
| Loan loss allowance to noncurrent loans | 1,274.7164% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 2,915 |
| Noncurrent loans to loans | 0.1157% | 2,945 |
| Net loans and leases to total assets | 78.3300% | 831 |
| Net loans and leases to deposits | 89.4451% | 1,311 |
| Net loans and leases to core deposits | 113.1340% | 837 |
| Total domestic deposits to total assets | 87.5700% | 1,498 |
| Equity capital to assets | 10.9554% | 1,500 |
| Core capital (leverage) ratio | 10.9630% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $637,967,400 | 1,399 |
| Average earning assets | $586,428,600 | 1,403 |
| Average equity | $70,958,200 | 1,236 |
| Average total loans | $510,963,000 | 1,210 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8008% | 688 |
| Cost of funding earning assets | 1.6975% | 1,192 |
| Net interest margin | 4.1032% | 1,062 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.1445% | 3,227 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7337% | 753 |
| Return on assets (ROA) | 1.7374% | 734 |
| Pretax return on assets | 2.2154% | 549 |
| Return on Equity (ROE) | 15.5600% | 1,332 |
| Retained earnings to average equity (ytd only) | 12.2162% | 935 |
| Net charge-offs to loans | 0.2034% | 437 |
| Credit loss provision to net charge-offs | 57.1984% | 1,871 |
| Earnings coverage of net charge-offs (x) | 13.8340% | 2,024 |
| Efficiency ratio | 48.0717% | 4,039 |
| Assets per employee ($millions) | 9.0581% | 910 |
| Cash dividends to net income (ytd only)* | 21.4817% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,198 |
| Loan loss allowance to noncurrent loans | 1,235.4943% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 2,926 |
| Noncurrent loans to loans | 0.1189% | 2,969 |
| Net loans and leases to total assets | 80.6600% | 577 |
| Net loans and leases to deposits | 92.6698% | 1,004 |
| Net loans and leases to core deposits | 113.7708% | 740 |
| Total domestic deposits to total assets | 87.0400% | 1,882 |
| Equity capital to assets | 11.5105% | 1,176 |
| Core capital (leverage) ratio | 11.5035% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $629,811,250 | 1,411 |
| Average earning assets | $578,391,750 | 1,420 |
| Average equity | $70,331,250 | 1,242 |
| Average total loans | $505,419,750 | 1,215 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 713 |
| Cost of funding earning assets | 1.4693% | 1,303 |
| Net interest margin | 4.1489% | 1,006 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.1490% | 3,219 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.4731% | 1,161 |
| Return on assets (ROA) | 1.5513% | 1,013 |
| Pretax return on assets | 1.9596% | 790 |
| Return on Equity (ROE) | 14.0400% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.3209% | 1,123 |
| Net charge-offs to loans | 0.1961% | 406 |
| Credit loss provision to net charge-offs | 95.7230% | 1,480 |
| Earnings coverage of net charge-offs (x) | 12.6069% | 1,933 |
| Efficiency ratio | 51.4835% | 3,815 |
| Assets per employee ($millions) | 8.9895% | 915 |
| Cash dividends to net income (ytd only)* | 19.3476% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 978 |
| Loan loss allowance to noncurrent loans | 1,128.3073% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 2,773 |
| Noncurrent loans to loans | 0.1398% | 2,771 |
| Net loans and leases to total assets | 77.5700% | 881 |
| Net loans and leases to deposits | 88.7134% | 1,284 |
| Net loans and leases to core deposits | 106.1516% | 981 |
| Total domestic deposits to total assets | 87.4400% | 1,790 |
| Equity capital to assets | 11.1468% | 1,322 |
| Core capital (leverage) ratio | 11.2735% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $628,393,000 | 1,414 |
| Average earning assets | $575,376,667 | 1,431 |
| Average equity | $69,447,000 | 1,246 |
| Average total loans | $500,867,667 | 1,212 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3973% | 723 |
| Cost of funding earning assets | 1.1757% | 1,520 |
| Net interest margin | 4.2216% | 915 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.2083% | 3,080 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.4698% | 1,239 |
| Return on assets (ROA) | 1.5879% | 1,000 |
| Pretax return on assets | 2.0056% | 775 |
| Return on Equity (ROE) | 14.4300% | 1,688 |
| Retained earnings to average equity (ytd only) | 10.1577% | 1,661 |
| Net charge-offs to loans | 0.2025% | 361 |
| Credit loss provision to net charge-offs | 67.5889% | 1,252 |
| Earnings coverage of net charge-offs (x) | 12.1700% | 1,617 |
| Efficiency ratio | 52.1086% | 3,768 |
| Assets per employee ($millions) | 9.0001% | 933 |
| Cash dividends to net income (ytd only)* | 29.6162% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,050 |
| Loan loss allowance to noncurrent loans | 27,141.3793% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,858 |
| Noncurrent loans to loans | 0.0058% | 3,800 |
| Net loans and leases to total assets | 78.9600% | 646 |
| Net loans and leases to deposits | 91.6180% | 943 |
| Net loans and leases to core deposits | 108.2420% | 746 |
| Total domestic deposits to total assets | 86.1800% | 2,538 |
| Equity capital to assets | 11.1315% | 1,294 |
| Core capital (leverage) ratio | 11.3587% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $623,461,000 | 1,449 |
| Average earning assets | $570,873,000 | 1,463 |
| Average equity | $68,598,000 | 1,265 |
| Average total loans | $499,790,500 | 1,225 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 531 |
| Cost of funding earning assets | 0.5395% | 1,160 |
| Net interest margin | 4.1391% | 618 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.1019% | 3,289 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.7610% | 479 |
| Return on assets (ROA) | 1.7236% | 491 |
| Pretax return on assets | 2.1801% | 336 |
| Return on Equity (ROE) | 16.4400% | 971 |
| Retained earnings to average equity (ytd only) | 9.2681% | 1,400 |
| Net charge-offs to loans | 0.0617% | 1,034 |
| Credit loss provision to net charge-offs | 368.4746% | 807 |
| Earnings coverage of net charge-offs (x) | 50.4475% | 1,354 |
| Efficiency ratio | 46.0215% | 4,343 |
| Assets per employee ($millions) | 9.0712% | 898 |
| Cash dividends to net income (ytd only)* | 43.6159% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,125 |
| Loan loss allowance to noncurrent loans | 7,895.8763% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,701 |
| Noncurrent loans to loans | 0.0193% | 3,677 |
| Net loans and leases to total assets | 78.8800% | 708 |
| Net loans and leases to deposits | 90.9221% | 987 |
| Net loans and leases to core deposits | 100.8431% | 952 |
| Total domestic deposits to total assets | 86.7600% | 2,471 |
| Equity capital to assets | 10.8751% | 1,315 |
| Core capital (leverage) ratio | 10.9680% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $619,332,800 | 1,438 |
| Average earning assets | $565,902,000 | 1,464 |
| Average equity | $64,943,000 | 1,321 |
| Average total loans | $478,126,000 | 1,213 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 533 |
| Cost of funding earning assets | 0.4683% | 887 |
| Net interest margin | 3.9863% | 653 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.0564% | 3,332 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.7709% | 453 |
| Return on assets (ROA) | 1.7484% | 463 |
| Pretax return on assets | 2.2565% | 293 |
| Return on Equity (ROE) | 16.8300% | 829 |
| Retained earnings to average equity (ytd only) | 8.7963% | 1,728 |
| Net charge-offs to loans | 0.0621% | 868 |
| Credit loss provision to net charge-offs | 327.7273% | 775 |
| Earnings coverage of net charge-offs (x) | 51.3955% | 1,270 |
| Efficiency ratio | 45.0898% | 4,420 |
| Assets per employee ($millions) | 8.9797% | 896 |
| Cash dividends to net income (ytd only)* | 47.7407% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,290 |
| Loan loss allowance to noncurrent loans | 3,961.2903% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,627 |
| Noncurrent loans to loans | 0.0379% | 3,619 |
| Net loans and leases to total assets | 78.0900% | 698 |
| Net loans and leases to deposits | 88.6966% | 983 |
| Net loans and leases to core deposits | 97.2559% | 938 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 10.6390% | 1,316 |
| Core capital (leverage) ratio | 10.5452% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $617,687,000 | 1,447 |
| Average earning assets | $564,022,250 | 1,476 |
| Average equity | $64,161,500 | 1,347 |
| Average total loans | $472,310,250 | 1,223 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 564 |
| Cost of funding earning assets | 0.4394% | 731 |
| Net interest margin | 3.8149% | 728 |
| Noninterest income to average assets | 1.1215% | 534 |
| Noninterest expense to average assets | 2.0303% | 3,349 |
| Loan and lease loss provision to assets | 0.1922% | 451 |
| Net operating income to assets | 1.8434% | 307 |
| Return on assets (ROA) | 1.8135% | 325 |
| Pretax return on assets | 2.3447% | 206 |
| Return on Equity (ROE) | 17.6011% | 515 |
| Retained earnings to average equity (ytd only) | 7.3173% | 1,877 |
| Net charge-offs to loans | 0.0764% | 705 |
| Credit loss provision to net charge-offs | 333.1461% | 764 |
| Earnings coverage of net charge-offs (x) | 44.6292% | 1,206 |
| Efficiency ratio | 43.4614% | 4,530 |
| Assets per employee ($millions) | 8.6537% | 1,002 |
| Cash dividends to net income (ytd only)* | 58.4272% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,407 |
| Loan loss allowance to noncurrent loans | 4,283.5294% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,715 |
| Noncurrent loans to loans | 0.0350% | 3,689 |
| Net loans and leases to total assets | 75.7001% | 757 |
| Net loans and leases to deposits | 85.5752% | 1,004 |
| Net loans and leases to core deposits | 93.1672% | 963 |
| Total domestic deposits to total assets | 88.4603% | 2,402 |
| Equity capital to assets | 10.2979% | 1,535 |
| Core capital (leverage) ratio | 10.2413% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $617,050,667 | 1,461 |
| Average earning assets | $563,468,333 | 1,487 |
| Average equity | $63,575,667 | 1,382 |
| Average total loans | $466,008,667 | 1,231 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 403 |
| Cost of funding earning assets | 0.4350% | 705 |
| Net interest margin | 3.9243% | 475 |
| Noninterest income to average assets | 1.2025% | 486 |
| Noninterest expense to average assets | 2.0495% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0958% | 189 |
| Return on assets (ROA) | 1.9813% | 230 |
| Pretax return on assets | 2.5710% | 164 |
| Return on Equity (ROE) | 19.2245% | 263 |
| Retained earnings to average equity (ytd only) | 1.4323% | 3,709 |
| Net charge-offs to loans | 0.1026% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 35.3846% | 1,065 |
| Efficiency ratio | 42.4009% | 4,598 |
| Assets per employee ($millions) | 8.7474% | 999 |
| Cash dividends to net income (ytd only)* | 92.5497% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,585 |
| Loan loss allowance to noncurrent loans | 1,828.9973% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 3,456 |
| Noncurrent loans to loans | 0.0814% | 3,433 |
| Net loans and leases to total assets | 72.9291% | 743 |
| Net loans and leases to deposits | 82.6290% | 966 |
| Net loans and leases to core deposits | 90.4817% | 902 |
| Total domestic deposits to total assets | 88.2609% | 2,401 |
| Equity capital to assets | 10.2806% | 1,700 |
| Core capital (leverage) ratio | 10.0573% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $609,714,500 | 1,479 |
| Average earning assets | $553,576,000 | 1,520 |
| Average equity | $62,836,500 | 1,436 |
| Average total loans | $456,264,500 | 1,244 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 449 |
| Cost of funding earning assets | 0.5453% | 734 |
| Net interest margin | 4.1175% | 573 |
| Noninterest income to average assets | 0.3707% | 3,215 |
| Noninterest expense to average assets | 2.3699% | 2,588 |
| Loan and lease loss provision to assets | 0.1579% | 755 |
| Net operating income to assets | 1.2578% | 1,721 |
| Return on assets (ROA) | 1.2912% | 1,674 |
| Pretax return on assets | 1.6245% | 1,356 |
| Return on Equity (ROE) | 13.1926% | 1,400 |
| Retained earnings to average equity (ytd only) | 9.7928% | 970 |
| Net charge-offs to loans | 0.1155% | 778 |
| Credit loss provision to net charge-offs | 172.4453% | 1,399 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,891 |
| Efficiency ratio | 56.9372% | 3,588 |
| Assets per employee ($millions) | 8.4321% | 1,112 |
| Cash dividends to net income (ytd only)* | 25.7701% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,575 |
| Loan loss allowance to noncurrent loans | 470.3425% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,356 |
| Noncurrent loans to loans | 0.3179% | 2,449 |
| Net loans and leases to total assets | 74.5095% | 625 |
| Net loans and leases to deposits | 84.5404% | 879 |
| Net loans and leases to core deposits | 92.9853% | 828 |
| Total domestic deposits to total assets | 88.1347% | 1,972 |
| Equity capital to assets | 10.3314% | 2,338 |
| Core capital (leverage) ratio | 10.3272% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,348,400 | 1,453 |
| Average earning assets | $543,393,600 | 1,485 |
| Average equity | $58,563,200 | 1,539 |
| Average total loans | $474,493,200 | 1,208 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 407 |
| Cost of funding earning assets | 0.5737% | 727 |
| Net interest margin | 4.2294% | 512 |
| Noninterest income to average assets | 0.3657% | 3,267 |
| Noninterest expense to average assets | 2.0323% | 3,581 |
| Loan and lease loss provision to assets | 0.2353% | 406 |
| Net operating income to assets | 1.5057% | 1,261 |
| Return on assets (ROA) | 1.5349% | 1,231 |
| Pretax return on assets | 1.9833% | 822 |
| Return on Equity (ROE) | 15.9074% | 970 |
| Retained earnings to average equity (ytd only) | 12.3008% | 775 |
| Net charge-offs to loans | 0.1012% | 732 |
| Credit loss provision to net charge-offs | 289.8072% | 1,024 |
| Earnings coverage of net charge-offs (x) | 26.8733% | 1,588 |
| Efficiency ratio | 47.5215% | 4,403 |
| Assets per employee ($millions) | 8.4013% | 1,088 |
| Cash dividends to net income (ytd only)* | 22.6723% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,332 |
| Loan loss allowance to noncurrent loans | 460.0257% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 2,428 |
| Noncurrent loans to loans | 0.3486% | 2,530 |
| Net loans and leases to total assets | 75.7556% | 567 |
| Net loans and leases to deposits | 85.7227% | 843 |
| Net loans and leases to core deposits | 94.9089% | 793 |
| Total domestic deposits to total assets | 88.3728% | 1,633 |
| Equity capital to assets | 10.4007% | 2,532 |
| Core capital (leverage) ratio | 10.2098% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $596,158,500 | 1,473 |
| Average earning assets | $542,438,000 | 1,508 |
| Average equity | $57,523,250 | 1,591 |
| Average total loans | $478,311,500 | 1,226 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 447 |
| Cost of funding earning assets | 0.6046% | 730 |
| Net interest margin | 4.2308% | 555 |
| Noninterest income to average assets | 0.3597% | 3,304 |
| Noninterest expense to average assets | 2.0155% | 3,656 |
| Loan and lease loss provision to assets | 0.3490% | 215 |
| Net operating income to assets | 1.4317% | 1,480 |
| Return on assets (ROA) | 1.4317% | 1,539 |
| Pretax return on assets | 1.8426% | 1,138 |
| Return on Equity (ROE) | 15.2190% | 1,101 |
| Retained earnings to average equity (ytd only) | 11.2579% | 1,065 |
| Net charge-offs to loans | 0.1481% | 556 |
| Credit loss provision to net charge-offs | 290.0552% | 907 |
| Earnings coverage of net charge-offs (x) | 18.2127% | 1,570 |
| Efficiency ratio | 47.2029% | 4,447 |
| Assets per employee ($millions) | 8.2865% | 1,083 |
| Cash dividends to net income (ytd only)* | 26.0274% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,555 |
| Loan loss allowance to noncurrent loans | 450.4091% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 2,598 |
| Noncurrent loans to loans | 0.3353% | 2,706 |
| Net loans and leases to total assets | 78.2366% | 428 |
| Net loans and leases to deposits | 91.6958% | 557 |
| Net loans and leases to core deposits | 100.5720% | 646 |
| Total domestic deposits to total assets | 85.3219% | 2,978 |
| Equity capital to assets | 9.7496% | 3,094 |
| Core capital (leverage) ratio | 10.0193% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $601,647,333 | 1,456 |
| Average earning assets | $547,137,000 | 1,492 |
| Average equity | $56,600,333 | 1,605 |
| Average total loans | $488,979,667 | 1,206 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 393 |
| Cost of funding earning assets | 0.6430% | 725 |
| Net interest margin | 4.2878% | 527 |
| Noninterest income to average assets | 0.3780% | 3,205 |
| Noninterest expense to average assets | 2.0114% | 3,681 |
| Loan and lease loss provision to assets | 0.4873% | 137 |
| Net operating income to assets | 1.3977% | 1,582 |
| Return on assets (ROA) | 1.3977% | 1,655 |
| Pretax return on assets | 1.7909% | 1,306 |
| Return on Equity (ROE) | 15.1283% | 1,185 |
| Retained earnings to average equity (ytd only) | 12.0037% | 1,146 |
| Net charge-offs to loans | 0.3094% | 273 |
| Credit loss provision to net charge-offs | 191.6667% | 904 |
| Earnings coverage of net charge-offs (x) | 8.9609% | 1,553 |
| Efficiency ratio | 46.2108% | 4,459 |
| Assets per employee ($millions) | 8.1535% | 1,126 |
| Cash dividends to net income (ytd only)* | 20.6537% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 2,127 |
| Loan loss allowance to noncurrent loans | 402.8943% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 2,725 |
| Noncurrent loans to loans | 0.3385% | 2,884 |
| Net loans and leases to total assets | 82.8875% | 187 |
| Net loans and leases to deposits | 103.7354% | 208 |
| Net loans and leases to core deposits | 113.7976% | 328 |
| Total domestic deposits to total assets | 79.9028% | 4,217 |
| Equity capital to assets | 9.5186% | 3,183 |
| Core capital (leverage) ratio | 9.9609% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,156,500 | 1,440 |
| Average earning assets | $551,144,500 | 1,468 |
| Average equity | $55,816,000 | 1,613 |
| Average total loans | $496,500,000 | 1,192 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 553 |
| Cost of funding earning assets | 1.0008% | 594 |
| Net interest margin | 3.9411% | 1,114 |
| Noninterest income to average assets | 0.3681% | 3,275 |
| Noninterest expense to average assets | 2.0253% | 4,092 |
| Loan and lease loss provision to assets | 0.4932% | 507 |
| Net operating income to assets | 1.1281% | 1,808 |
| Return on assets (ROA) | 1.1281% | 1,932 |
| Pretax return on assets | 1.4218% | 1,591 |
| Return on Equity (ROE) | 12.1316% | 1,289 |
| Retained earnings to average equity (ytd only) | 6.6727% | 1,523 |
| Net charge-offs to loans | 0.2681% | 642 |
| Credit loss provision to net charge-offs | 222.1344% | 2,057 |
| Earnings coverage of net charge-offs (x) | 8.6245% | 2,586 |
| Efficiency ratio | 50.6103% | 4,493 |
| Assets per employee ($millions) | 8.7587% | 812 |
| Cash dividends to net income (ytd only)* | 44.9977% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,355 |
| Loan loss allowance to noncurrent loans | 285.7332% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 2,503 |
| Noncurrent loans to loans | 0.4594% | 2,591 |
| Net loans and leases to total assets | 79.3269% | 474 |
| Net loans and leases to deposits | 97.0467% | 503 |
| Net loans and leases to core deposits | 105.8733% | 643 |
| Total domestic deposits to total assets | 81.7410% | 3,724 |
| Equity capital to assets | 8.9669% | 4,083 |
| Core capital (leverage) ratio | 9.5987% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,700,400 | 1,399 |
| Average earning assets | $516,379,600 | 1,417 |
| Average equity | $52,977,400 | 1,603 |
| Average total loans | $471,898,200 | 1,189 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 561 |
| Cost of funding earning assets | 1.0717% | 593 |
| Net interest margin | 3.9781% | 1,165 |
| Noninterest income to average assets | 0.3607% | 3,306 |
| Noninterest expense to average assets | 2.0940% | 3,961 |
| Loan and lease loss provision to assets | 0.3794% | 966 |
| Net operating income to assets | 1.1781% | 1,713 |
| Return on assets (ROA) | 1.1781% | 1,836 |
| Pretax return on assets | 1.4883% | 1,469 |
| Return on Equity (ROE) | 12.5460% | 1,234 |
| Retained earnings to average equity (ytd only) | 6.3060% | 1,973 |
| Net charge-offs to loans | 0.3289% | 475 |
| Credit loss provision to net charge-offs | 138.1407% | 2,401 |
| Earnings coverage of net charge-offs (x) | 6.8010% | 2,623 |
| Efficiency ratio | 52.0566% | 4,340 |
| Assets per employee ($millions) | 9.2706% | 640 |
| Cash dividends to net income (ytd only)* | 49.7367% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,504 |
| Loan loss allowance to noncurrent loans | 209.4104% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 2,516 |
| Noncurrent loans to loans | 0.4980% | 2,566 |
| Net loans and leases to total assets | 81.9221% | 440 |
| Net loans and leases to deposits | 103.8839% | 390 |
| Net loans and leases to core deposits | 113.6825% | 570 |
| Total domestic deposits to total assets | 78.8593% | 4,075 |
| Equity capital to assets | 8.6811% | 4,346 |
| Core capital (leverage) ratio | 9.5711% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $558,847,750 | 1,401 |
| Average earning assets | $505,859,500 | 1,425 |
| Average equity | $52,477,500 | 1,605 |
| Average total loans | $466,665,000 | 1,195 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 553 |
| Cost of funding earning assets | 1.1766% | 550 |
| Net interest margin | 4.0371% | 1,246 |
| Noninterest income to average assets | 0.3713% | 3,248 |
| Noninterest expense to average assets | 2.2023% | 3,780 |
| Loan and lease loss provision to assets | 0.4969% | 730 |
| Net operating income to assets | 1.0504% | 2,145 |
| Return on assets (ROA) | 1.0504% | 2,282 |
| Pretax return on assets | 1.3184% | 1,974 |
| Return on Equity (ROE) | 10.8700% | 1,677 |
| Retained earnings to average equity (ytd only) | 3.0964% | 3,342 |
| Net charge-offs to loans | 0.4463% | 355 |
| Credit loss provision to net charge-offs | 132.9026% | 2,220 |
| Earnings coverage of net charge-offs (x) | 4.8549% | 2,562 |
| Efficiency ratio | 53.9920% | 4,180 |
| Assets per employee ($millions) | 8.8709% | 705 |
| Cash dividends to net income (ytd only)* | 71.5145% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,450 |
| Loan loss allowance to noncurrent loans | 179.9041% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 2,437 |
| Noncurrent loans to loans | 0.5688% | 2,452 |
| Net loans and leases to total assets | 81.8479% | 430 |
| Net loans and leases to deposits | 103.2211% | 404 |
| Net loans and leases to core deposits | 113.9373% | 599 |
| Total domestic deposits to total assets | 79.2938% | 3,974 |
| Equity capital to assets | 8.4130% | 4,524 |
| Core capital (leverage) ratio | 9.3536% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,086,000 | 1,420 |
| Average earning assets | $485,993,667 | 1,445 |
| Average equity | $51,996,333 | 1,607 |
| Average total loans | $450,817,333 | 1,208 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 772 |
| Cost of funding earning assets | 1.3709% | 450 |
| Net interest margin | 3.7449% | 2,163 |
| Noninterest income to average assets | 0.4164% | 2,995 |
| Noninterest expense to average assets | 2.3647% | 3,615 |
| Loan and lease loss provision to assets | 0.0749% | 2,796 |
| Net operating income to assets | 1.0607% | 1,966 |
| Return on assets (ROA) | 1.0607% | 2,072 |
| Pretax return on assets | 1.3386% | 1,757 |
| Return on Equity (ROE) | 10.1555% | 1,694 |
| Retained earnings to average equity (ytd only) | 6.8012% | 1,609 |
| Net charge-offs to loans | 0.2603% | 564 |
| Credit loss provision to net charge-offs | 34.0659% | 2,134 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 1,989 |
| Efficiency ratio | 61.6500% | 3,535 |
| Assets per employee ($millions) | 7.4309% | 924 |
| Cash dividends to net income (ytd only)* | 33.0296% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,086 |
| Loan loss allowance to noncurrent loans | 121.8285% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 1,755 |
| Noncurrent loans to loans | 0.9201% | 1,782 |
| Net loans and leases to total assets | 82.8207% | 369 |
| Net loans and leases to deposits | 95.8242% | 927 |
| Net loans and leases to core deposits | 101.8712% | 1,339 |
| Total domestic deposits to total assets | 86.4298% | 1,810 |
| Equity capital to assets | 10.3533% | 3,470 |
| Core capital (leverage) ratio | 10.1297% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $496,647,000 | 1,475 |
| Average earning assets | $445,830,500 | 1,502 |
| Average equity | $51,873,500 | 1,604 |
| Average total loans | $419,475,500 | 1,248 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 687 |
| Cost of funding earning assets | 1.4148% | 530 |
| Net interest margin | 3.9698% | 1,942 |
| Noninterest income to average assets | 0.4995% | 2,743 |
| Noninterest expense to average assets | 2.3285% | 3,876 |
| Loan and lease loss provision to assets | 0.1730% | 1,209 |
| Net operating income to assets | 1.2080% | 2,027 |
| Return on assets (ROA) | 1.2080% | 2,116 |
| Pretax return on assets | 1.5303% | 1,710 |
| Return on Equity (ROE) | 11.6155% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.4136% | 1,656 |
| Net charge-offs to loans | 0.1083% | 1,645 |
| Credit loss provision to net charge-offs | 188.4091% | 1,401 |
| Earnings coverage of net charge-offs (x) | 18.5545% | 2,052 |
| Efficiency ratio | 56.8383% | 4,107 |
| Assets per employee ($millions) | 7.0724% | 1,015 |
| Cash dividends to net income (ytd only)* | 44.7841% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,516 |
| Loan loss allowance to noncurrent loans | 149.8478% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 1,909 |
| Noncurrent loans to loans | 0.7904% | 1,928 |
| Net loans and leases to total assets | 84.1793% | 305 |
| Net loans and leases to deposits | 95.5661% | 988 |
| Net loans and leases to core deposits | 101.8428% | 1,423 |
| Total domestic deposits to total assets | 88.0849% | 1,093 |
| Equity capital to assets | 10.5395% | 3,408 |
| Core capital (leverage) ratio | 10.2112% | 3,286 |
| Tier 1 risk-based capital ratio | 10.6472% | 4,969 |
| Total risk-based capital ratio | 11.7038% | 4,962 |
| Memoranda: | ||
| Average total assets | $479,320,000 | 1,477 |
| Average earning assets | $426,497,600 | 1,520 |
| Average equity | $49,847,200 | 1,607 |
| Average total loans | $406,186,600 | 1,251 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 719 |
| Cost of funding earning assets | 1.4042% | 576 |
| Net interest margin | 3.9842% | 2,002 |
| Noninterest income to average assets | 0.5074% | 2,681 |
| Noninterest expense to average assets | 2.4017% | 3,678 |
| Loan and lease loss provision to assets | 0.0291% | 3,323 |
| Net operating income to assets | 1.2401% | 2,052 |
| Return on assets (ROA) | 1.2401% | 2,132 |
| Pretax return on assets | 1.6173% | 1,577 |
| Return on Equity (ROE) | 11.9658% | 1,635 |
| Retained earnings to average equity (ytd only) | 7.3337% | 1,701 |
| Net charge-offs to loans | 0.1126% | 1,351 |
| Credit loss provision to net charge-offs | 30.4985% | 2,914 |
| Earnings coverage of net charge-offs (x) | 17.2784% | 2,099 |
| Efficiency ratio | 58.4110% | 3,875 |
| Assets per employee ($millions) | 6.9201% | 1,056 |
| Cash dividends to net income (ytd only)* | 38.7111% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,382 |
| Loan loss allowance to noncurrent loans | 127.7266% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 1,960 |
| Noncurrent loans to loans | 0.8084% | 1,949 |
| Net loans and leases to total assets | 85.0432% | 249 |
| Net loans and leases to deposits | 97.8274% | 837 |
| Net loans and leases to core deposits | 104.6099% | 1,290 |
| Total domestic deposits to total assets | 86.9319% | 1,553 |
| Equity capital to assets | 10.5184% | 3,528 |
| Core capital (leverage) ratio | 10.2712% | 3,336 |
| Tier 1 risk-based capital ratio | 10.3961% | 5,108 |
| Total risk-based capital ratio | 11.3062% | 5,120 |
| Memoranda: | ||
| Average total assets | $477,151,250 | 1,490 |
| Average earning assets | $424,036,000 | 1,538 |
| Average equity | $49,451,000 | 1,619 |
| Average total loans | $403,804,500 | 1,267 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 724 |
| Cost of funding earning assets | 1.3848% | 566 |
| Net interest margin | 3.9769% | 1,996 |
| Noninterest income to average assets | 0.4921% | 2,717 |
| Noninterest expense to average assets | 2.4060% | 3,721 |
| Loan and lease loss provision to assets | 0.0438% | 2,947 |
| Net operating income to assets | 1.1931% | 2,171 |
| Return on assets (ROA) | 1.1931% | 2,233 |
| Pretax return on assets | 1.5617% | 1,661 |
| Return on Equity (ROE) | 11.5708% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.2839% | 2,152 |
| Net charge-offs to loans | 0.1411% | 1,084 |
| Credit loss provision to net charge-offs | 36.8794% | 2,559 |
| Earnings coverage of net charge-offs (x) | 13.5142% | 2,094 |
| Efficiency ratio | 59.0422% | 3,853 |
| Assets per employee ($millions) | 6.2378% | 1,374 |
| Cash dividends to net income (ytd only)* | 45.6921% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,202 |
| Loan loss allowance to noncurrent loans | 124.5569% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 1,865 |
| Noncurrent loans to loans | 0.8648% | 1,878 |
| Net loans and leases to total assets | 85.5259% | 250 |
| Net loans and leases to deposits | 96.4117% | 993 |
| Net loans and leases to core deposits | 102.7131% | 1,498 |
| Total domestic deposits to total assets | 88.7091% | 781 |
| Equity capital to assets | 10.6377% | 3,400 |
| Core capital (leverage) ratio | 10.1999% | 3,381 |
| Tier 1 risk-based capital ratio | 10.5670% | 5,079 |
| Total risk-based capital ratio | 11.5289% | 5,101 |
| Memoranda: | ||
| Average total assets | $474,732,330 | 1,501 |
| Average earning assets | $420,121,670 | 1,555 |
| Average equity | $48,950,670 | 1,628 |
| Average total loans | $399,654,670 | 1,274 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 797 |
| Cost of funding earning assets | 1.3524% | 548 |
| Net interest margin | 3.9192% | 2,133 |
| Noninterest income to average assets | 0.4459% | 2,868 |
| Noninterest expense to average assets | 2.3857% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1343% | 2,331 |
| Return on assets (ROA) | 1.1343% | 2,380 |
| Pretax return on assets | 1.5074% | 1,738 |
| Return on Equity (ROE) | 11.1737% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.2408% | 2,806 |
| Net charge-offs to loans | 0.1057% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 17.1619% | 1,670 |
| Efficiency ratio | 60.3352% | 3,761 |
| Assets per employee ($millions) | 6.9449% | 1,020 |
| Cash dividends to net income (ytd only)* | 53.0973% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,018 |
| Loan loss allowance to noncurrent loans | 139.7476% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 2,056 |
| Noncurrent loans to loans | 0.8017% | 2,035 |
| Net loans and leases to total assets | 81.5854% | 636 |
| Net loans and leases to deposits | 91.4993% | 1,456 |
| Net loans and leases to core deposits | 96.6500% | 1,884 |
| Total domestic deposits to total assets | 89.1651% | 785 |
| Equity capital to assets | 10.1966% | 3,621 |
| Core capital (leverage) ratio | 9.9994% | 3,607 |
| Tier 1 risk-based capital ratio | 10.6432% | 5,134 |
| Total risk-based capital ratio | 11.6482% | 5,118 |
| Memoranda: | ||
| Average total assets | $478,180,500 | 1,498 |
| Average earning assets | $420,600,000 | 1,557 |
| Average equity | $48,542,500 | 1,616 |
| Average total loans | $397,243,000 | 1,283 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 935 |
| Cost of funding earning assets | 1.0643% | 569 |
| Net interest margin | 3.9933% | 2,000 |
| Noninterest income to average assets | 0.4898% | 2,887 |
| Noninterest expense to average assets | 2.4037% | 3,868 |
| Loan and lease loss provision to assets | 0.2417% | 722 |
| Net operating income to assets | 1.1086% | 2,560 |
| Return on assets (ROA) | 1.1086% | 2,561 |
| Pretax return on assets | 1.4042% | 2,124 |
| Return on Equity (ROE) | 11.1454% | 2,028 |
| Retained earnings to average equity (ytd only) | 8.6397% | 1,002 |
| Net charge-offs to loans | 0.2959% | 655 |
| Credit loss provision to net charge-offs | 98.3275% | 2,592 |
| Earnings coverage of net charge-offs (x) | 6.6963% | 3,062 |
| Efficiency ratio | 58.4068% | 4,099 |
| Assets per employee ($millions) | 6.8166% | 1,061 |
| Cash dividends to net income (ytd only)* | 22.4824% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,896 |
| Loan loss allowance to noncurrent loans | 142.6101% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 2,014 |
| Noncurrent loans to loans | 0.7968% | 2,009 |
| Net loans and leases to total assets | 82.6899% | 562 |
| Net loans and leases to deposits | 92.6885% | 1,439 |
| Net loans and leases to core deposits | 97.3074% | 1,941 |
| Total domestic deposits to total assets | 89.2126% | 771 |
| Equity capital to assets | 10.1063% | 3,562 |
| Core capital (leverage) ratio | 10.0666% | 3,500 |
| Tier 1 risk-based capital ratio | 10.6417% | 5,128 |
| Total risk-based capital ratio | 11.6856% | 5,107 |
| Memoranda: | ||
| Average total assets | $462,197,200 | 1,507 |
| Average earning assets | $412,017,600 | 1,550 |
| Average equity | $45,974,000 | 1,634 |
| Average total loans | $383,966,200 | 1,297 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 936 |
| Cost of funding earning assets | 1.0103% | 572 |
| Net interest margin | 3.9964% | 1,971 |
| Noninterest income to average assets | 0.4970% | 2,890 |
| Noninterest expense to average assets | 2.4508% | 3,733 |
| Loan and lease loss provision to assets | 0.1646% | 1,152 |
| Net operating income to assets | 1.0824% | 2,739 |
| Return on assets (ROA) | 1.0824% | 2,751 |
| Pretax return on assets | 1.4468% | 2,070 |
| Return on Equity (ROE) | 10.9279% | 2,208 |
| Retained earnings to average equity (ytd only) | 7.5456% | 1,866 |
| Net charge-offs to loans | 0.1543% | 1,065 |
| Credit loss provision to net charge-offs | 128.6364% | 1,906 |
| Earnings coverage of net charge-offs (x) | 12.5932% | 2,441 |
| Efficiency ratio | 59.3786% | 3,909 |
| Assets per employee ($millions) | 6.7131% | 1,078 |
| Cash dividends to net income (ytd only)* | 30.9511% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,698 |
| Loan loss allowance to noncurrent loans | 107.7596% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 1,526 |
| Noncurrent loans to loans | 1.1016% | 1,543 |
| Net loans and leases to total assets | 84.0985% | 449 |
| Net loans and leases to deposits | 96.8632% | 1,052 |
| Net loans and leases to core deposits | 101.3743% | 1,661 |
| Total domestic deposits to total assets | 86.8219% | 1,813 |
| Equity capital to assets | 10.1074% | 3,533 |
| Core capital (leverage) ratio | 9.6856% | 3,957 |
| Tier 1 risk-based capital ratio | 10.1116% | 5,363 |
| Total risk-based capital ratio | 11.1686% | 5,352 |
| Memoranda: | ||
| Average total assets | $458,456,500 | 1,528 |
| Average earning assets | $408,986,500 | 1,570 |
| Average equity | $45,411,750 | 1,658 |
| Average total loans | $380,183,250 | 1,308 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 971 |
| Cost of funding earning assets | 0.9527% | 574 |
| Net interest margin | 3.9687% | 1,967 |
| Noninterest income to average assets | 0.4763% | 2,997 |
| Noninterest expense to average assets | 2.4466% | 3,783 |
| Loan and lease loss provision to assets | 0.1462% | 1,304 |
| Net operating income to assets | 1.0620% | 2,744 |
| Return on assets (ROA) | 1.0620% | 2,746 |
| Pretax return on assets | 1.4192% | 2,089 |
| Return on Equity (ROE) | 10.7959% | 2,196 |
| Retained earnings to average equity (ytd only) | 6.6173% | 2,251 |
| Net charge-offs to loans | 0.1571% | 983 |
| Credit loss provision to net charge-offs | 113.2203% | 1,860 |
| Earnings coverage of net charge-offs (x) | 12.1220% | 2,223 |
| Efficiency ratio | 60.0109% | 3,931 |
| Assets per employee ($millions) | 6.3800% | 1,223 |
| Cash dividends to net income (ytd only)* | 38.7057% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,731 |
| Loan loss allowance to noncurrent loans | 105.7564% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 1,584 |
| Noncurrent loans to loans | 1.1333% | 1,552 |
| Net loans and leases to total assets | 81.2920% | 810 |
| Net loans and leases to deposits | 93.0607% | 1,466 |
| Net loans and leases to core deposits | 96.9915% | 1,968 |
| Total domestic deposits to total assets | 87.3537% | 1,702 |
| Equity capital to assets | 9.8194% | 3,805 |
| Core capital (leverage) ratio | 9.4298% | 4,201 |
| Tier 1 risk-based capital ratio | 10.1572% | 5,386 |
| Total risk-based capital ratio | 11.2262% | 5,380 |
| Memoranda: | ||
| Average total assets | $456,873,000 | 1,540 |
| Average earning assets | $407,035,670 | 1,581 |
| Average equity | $44,943,000 | 1,674 |
| Average total loans | $375,501,000 | 1,319 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 1,089 |
| Cost of funding earning assets | 0.8761% | 675 |
| Net interest margin | 3.9203% | 1,962 |
| Noninterest income to average assets | 0.4677% | 3,009 |
| Noninterest expense to average assets | 2.4870% | 3,687 |
| Loan and lease loss provision to assets | 0.1706% | 1,037 |
| Net operating income to assets | 0.9760% | 2,958 |
| Return on assets (ROA) | 0.9760% | 2,986 |
| Pretax return on assets | 1.3032% | 2,354 |
| Return on Equity (ROE) | 9.9129% | 2,481 |
| Retained earnings to average equity (ytd only) | 5.5132% | 2,942 |
| Net charge-offs to loans | 0.1840% | 795 |
| Credit loss provision to net charge-offs | 112.8655% | 1,429 |
| Earnings coverage of net charge-offs (x) | 9.7485% | 1,946 |
| Efficiency ratio | 61.8080% | 3,821 |
| Assets per employee ($millions) | 6.2236% | 1,355 |
| Cash dividends to net income (ytd only)* | 44.3841% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,755 |
| Loan loss allowance to noncurrent loans | 100.4610% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 1,557 |
| Noncurrent loans to loans | 1.2038% | 1,512 |
| Net loans and leases to total assets | 81.1643% | 768 |
| Net loans and leases to deposits | 97.0256% | 938 |
| Net loans and leases to core deposits | 109.4586% | 1,034 |
| Total domestic deposits to total assets | 83.6524% | 3,451 |
| Equity capital to assets | 9.7400% | 3,849 |
| Core capital (leverage) ratio | 9.6513% | 3,906 |
| Tier 1 risk-based capital ratio | 10.1575% | 5,456 |
| Total risk-based capital ratio | 11.2455% | 5,445 |
| Memoranda: | ||
| Average total assets | $452,438,500 | 1,563 |
| Average earning assets | $403,133,500 | 1,608 |
| Average equity | $44,548,000 | 1,693 |
| Average total loans | $371,649,500 | 1,336 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 898 |
| Cost of funding earning assets | 0.7181% | 933 |
| Net interest margin | 4.1278% | 1,353 |
| Noninterest income to average assets | 0.5329% | 2,807 |
| Noninterest expense to average assets | 2.5044% | 3,766 |
| Loan and lease loss provision to assets | 0.1452% | 1,570 |
| Net operating income to assets | 0.8108% | 3,111 |
| Return on assets (ROA) | 0.8108% | 3,152 |
| Pretax return on assets | 1.5334% | 1,510 |
| Return on Equity (ROE) | 8.0707% | 2,765 |
| Retained earnings to average equity (ytd only) | 5.0139% | 2,116 |
| Net charge-offs to loans | 0.0768% | 2,355 |
| Credit loss provision to net charge-offs | 234.8315% | 1,183 |
| Earnings coverage of net charge-offs (x) | 27.1461% | 1,643 |
| Efficiency ratio | 58.8861% | 4,430 |
| Assets per employee ($millions) | 6.1713% | 1,402 |
| Cash dividends to net income (ytd only)* | 37.8749% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,485 |
| Loan loss allowance to noncurrent loans | 155.1090% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 2,273 |
| Noncurrent loans to loans | 0.8045% | 2,202 |
| Net loans and leases to total assets | 81.1040% | 818 |
| Net loans and leases to deposits | 97.4386% | 947 |
| Net loans and leases to core deposits | 109.8843% | 1,015 |
| Total domestic deposits to total assets | 83.2360% | 3,482 |
| Equity capital to assets | 9.9563% | 3,749 |
| Core capital (leverage) ratio | 9.6286% | 3,888 |
| Tier 1 risk-based capital ratio | 10.5111% | 5,366 |
| Total risk-based capital ratio | 11.6412% | 5,324 |
| Memoranda: | ||
| Average total assets | $431,794,200 | 1,604 |
| Average earning assets | $381,821,800 | 1,667 |
| Average equity | $43,379,000 | 1,713 |
| Average total loans | $347,783,200 | 1,383 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 974 |
| Cost of funding earning assets | 0.6913% | 1,003 |
| Net interest margin | 4.0828% | 1,436 |
| Noninterest income to average assets | 0.5138% | 2,947 |
| Noninterest expense to average assets | 2.5396% | 3,597 |
| Loan and lease loss provision to assets | 0.0977% | 2,155 |
| Net operating income to assets | 0.9558% | 2,738 |
| Return on assets (ROA) | 0.9558% | 2,803 |
| Pretax return on assets | 1.4824% | 1,834 |
| Return on Equity (ROE) | 9.4922% | 2,354 |
| Retained earnings to average equity (ytd only) | 7.1632% | 1,605 |
| Net charge-offs to loans | 0.0489% | 2,456 |
| Credit loss provision to net charge-offs | 249.2063% | 1,144 |
| Earnings coverage of net charge-offs (x) | 40.3164% | 1,288 |
| Efficiency ratio | 60.6418% | 4,106 |
| Assets per employee ($millions) | 6.2406% | 1,352 |
| Cash dividends to net income (ytd only)* | 24.5363% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,974 |
| Loan loss allowance to noncurrent loans | 150.0171% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 2,455 |
| Noncurrent loans to loans | 0.7943% | 2,373 |
| Net loans and leases to total assets | 82.0071% | 683 |
| Net loans and leases to deposits | 98.4998% | 867 |
| Net loans and leases to core deposits | 111.1183% | 968 |
| Total domestic deposits to total assets | 83.2561% | 3,377 |
| Equity capital to assets | 10.0162% | 3,894 |
| Core capital (leverage) ratio | 9.8536% | 3,748 |
| Tier 1 risk-based capital ratio | 10.4279% | 5,477 |
| Total risk-based capital ratio | 11.5045% | 5,474 |
| Memoranda: | ||
| Average total assets | $428,659,750 | 1,620 |
| Average earning assets | $378,590,000 | 1,687 |
| Average equity | $43,164,000 | 1,736 |
| Average total loans | $343,497,750 | 1,402 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,066 |
| Cost of funding earning assets | 0.6636% | 1,074 |
| Net interest margin | 4.0332% | 1,506 |
| Noninterest income to average assets | 0.4879% | 3,100 |
| Noninterest expense to average assets | 2.5872% | 3,471 |
| Loan and lease loss provision to assets | 0.0458% | 3,079 |
| Net operating income to assets | 0.9079% | 2,876 |
| Return on assets (ROA) | 0.9079% | 2,923 |
| Pretax return on assets | 1.4080% | 1,992 |
| Return on Equity (ROE) | 8.9993% | 2,508 |
| Retained earnings to average equity (ytd only) | 6.7589% | 1,713 |
| Net charge-offs to loans | 0.0334% | 2,529 |
| Credit loss provision to net charge-offs | 173.2143% | 1,389 |
| Earnings coverage of net charge-offs (x) | 55.0179% | 1,006 |
| Efficiency ratio | 62.9846% | 3,826 |
| Assets per employee ($millions) | 6.0970% | 1,389 |
| Cash dividends to net income (ytd only)* | 24.8960% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,883 |
| Loan loss allowance to noncurrent loans | 141.9712% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 2,384 |
| Noncurrent loans to loans | 0.8608% | 2,263 |
| Net loans and leases to total assets | 81.3695% | 760 |
| Net loans and leases to deposits | 98.4456% | 852 |
| Net loans and leases to core deposits | 108.2819% | 1,093 |
| Total domestic deposits to total assets | 82.6543% | 3,669 |
| Equity capital to assets | 10.3408% | 3,525 |
| Core capital (leverage) ratio | 9.8388% | 3,733 |
| Tier 1 risk-based capital ratio | 10.5056% | 5,456 |
| Total risk-based capital ratio | 11.5769% | 5,460 |
| Memoranda: | ||
| Average total assets | $423,852,670 | 1,638 |
| Average earning assets | $373,398,000 | 1,712 |
| Average equity | $42,758,670 | 1,746 |
| Average total loans | $335,417,000 | 1,433 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 1,245 |
| Cost of funding earning assets | 0.6481% | 1,087 |
| Net interest margin | 3.9076% | 1,750 |
| Noninterest income to average assets | 0.4588% | 3,265 |
| Noninterest expense to average assets | 2.6176% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8265% | 3,096 |
| Return on assets (ROA) | 0.8265% | 3,150 |
| Pretax return on assets | 1.2825% | 2,293 |
| Return on Equity (ROE) | 8.2951% | 2,767 |
| Retained earnings to average equity (ytd only) | 6.2756% | 2,197 |
| Net charge-offs to loans | -0.0218% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0559% | 3,489 |
| Assets per employee ($millions) | 6.2327% | 1,341 |
| Cash dividends to net income (ytd only)* | 24.3458% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,736 |
| Loan loss allowance to noncurrent loans | 115.6507% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 2,145 |
| Noncurrent loans to loans | 1.0925% | 1,873 |
| Net loans and leases to total assets | 76.5403% | 1,325 |
| Net loans and leases to deposits | 92.0656% | 1,324 |
| Net loans and leases to core deposits | 101.2588% | 1,425 |
| Total domestic deposits to total assets | 83.1367% | 3,787 |
| Equity capital to assets | 9.9339% | 3,837 |
| Core capital (leverage) ratio | 9.6078% | 3,985 |
| Tier 1 risk-based capital ratio | 10.4473% | 5,564 |
| Total risk-based capital ratio | 11.5281% | 5,569 |
| Memoranda: | ||
| Average total assets | $425,432,500 | 1,645 |
| Average earning assets | $374,659,000 | 1,714 |
| Average equity | $42,386,500 | 1,762 |
| Average total loans | $329,850,000 | 1,459 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 1,192 |
| Cost of funding earning assets | 0.6929% | 840 |
| Net interest margin | 3.9460% | 1,803 |
| Noninterest income to average assets | 0.5117% | 3,162 |
| Noninterest expense to average assets | 2.6817% | 3,401 |
| Loan and lease loss provision to assets | 0.1714% | 1,422 |
| Net operating income to assets | 0.7478% | 3,548 |
| Return on assets (ROA) | 0.7478% | 3,668 |
| Pretax return on assets | 1.1598% | 2,857 |
| Return on Equity (ROE) | 7.5229% | 3,207 |
| Retained earnings to average equity (ytd only) | 5.4166% | 2,066 |
| Net charge-offs to loans | 0.0980% | 2,316 |
| Credit loss provision to net charge-offs | 227.5510% | 1,261 |
| Earnings coverage of net charge-offs (x) | 17.6701% | 2,025 |
| Efficiency ratio | 66.1686% | 3,567 |
| Assets per employee ($millions) | 6.0987% | 1,409 |
| Cash dividends to net income (ytd only)* | 27.9986% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,624 |
| Loan loss allowance to noncurrent loans | 109.1335% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 1,894 |
| Noncurrent loans to loans | 1.1777% | 1,743 |
| Net loans and leases to total assets | 76.5496% | 1,431 |
| Net loans and leases to deposits | 90.0302% | 1,680 |
| Net loans and leases to core deposits | 99.0819% | 1,700 |
| Total domestic deposits to total assets | 85.0266% | 3,032 |
| Equity capital to assets | 9.9931% | 3,733 |
| Core capital (leverage) ratio | 9.5073% | 4,074 |
| Tier 1 risk-based capital ratio | 10.6245% | 5,514 |
| Total risk-based capital ratio | 11.7290% | 5,516 |
| Memoranda: | ||
| Average total assets | $390,234,600 | 1,723 |
| Average earning assets | $346,246,000 | 1,797 |
| Average equity | $38,788,200 | 1,893 |
| Average total loans | $300,071,400 | 1,513 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 1,078 |
| Cost of funding earning assets | 0.6999% | 815 |
| Net interest margin | 3.9945% | 1,674 |
| Noninterest income to average assets | 0.5022% | 3,231 |
| Noninterest expense to average assets | 2.7277% | 3,267 |
| Loan and lease loss provision to assets | 0.2331% | 845 |
| Net operating income to assets | 0.7026% | 3,834 |
| Return on assets (ROA) | 0.7026% | 3,962 |
| Pretax return on assets | 1.0897% | 3,272 |
| Return on Equity (ROE) | 7.0787% | 3,522 |
| Retained earnings to average equity (ytd only) | 4.2100% | 3,331 |
| Net charge-offs to loans | 0.1040% | 1,906 |
| Credit loss provision to net charge-offs | 292.1397% | 1,058 |
| Earnings coverage of net charge-offs (x) | 16.5762% | 2,103 |
| Efficiency ratio | 66.8330% | 3,454 |
| Assets per employee ($millions) | 6.3940% | 1,180 |
| Cash dividends to net income (ytd only)* | 40.5260% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 2,342 |
| Loan loss allowance to noncurrent loans | 115.2056% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 2,141 |
| Noncurrent loans to loans | 1.1887% | 1,891 |
| Net loans and leases to total assets | 70.5304% | 2,416 |
| Net loans and leases to deposits | 82.9367% | 2,612 |
| Net loans and leases to core deposits | 90.9059% | 2,488 |
| Total domestic deposits to total assets | 85.0413% | 2,788 |
| Equity capital to assets | 9.4636% | 4,697 |
| Core capital (leverage) ratio | 9.1914% | 4,604 |
| Tier 1 risk-based capital ratio | 10.7450% | 5,501 |
| Total risk-based capital ratio | 11.9059% | 5,460 |
| Memoranda: | ||
| Average total assets | $382,590,250 | 1,752 |
| Average earning assets | $339,855,000 | 1,831 |
| Average equity | $37,972,250 | 1,939 |
| Average total loans | $293,508,250 | 1,549 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 985 |
| Cost of funding earning assets | 0.7090% | 767 |
| Net interest margin | 4.0207% | 1,581 |
| Noninterest income to average assets | 0.4962% | 3,222 |
| Noninterest expense to average assets | 2.8320% | 2,912 |
| Loan and lease loss provision to assets | 0.2892% | 633 |
| Net operating income to assets | 0.6106% | 4,222 |
| Return on assets (ROA) | 0.6106% | 4,348 |
| Pretax return on assets | 0.9469% | 3,785 |
| Return on Equity (ROE) | 6.0411% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.7686% | 4,135 |
| Net charge-offs to loans | 0.1001% | 1,830 |
| Credit loss provision to net charge-offs | 366.6667% | 826 |
| Earnings coverage of net charge-offs (x) | 15.6736% | 1,975 |
| Efficiency ratio | 69.6150% | 3,042 |
| Assets per employee ($millions) | 6.0580% | 1,361 |
| Cash dividends to net income (ytd only)* | 54.1704% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,624 |
| Loan loss allowance to noncurrent loans | 119.7039% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 2,272 |
| Noncurrent loans to loans | 1.1110% | 2,072 |
| Net loans and leases to total assets | 72.5168% | 2,088 |
| Net loans and leases to deposits | 84.0632% | 2,461 |
| Net loans and leases to core deposits | 92.1627% | 2,333 |
| Total domestic deposits to total assets | 86.2647% | 2,288 |
| Equity capital to assets | 9.4060% | 4,861 |
| Core capital (leverage) ratio | 9.9253% | 3,653 |
| Tier 1 risk-based capital ratio | 10.4203% | 5,706 |
| Total risk-based capital ratio | 11.5526% | 5,675 |
| Memoranda: | ||
| Average total assets | $365,190,000 | 1,835 |
| Average earning assets | $324,421,000 | 1,907 |
| Average equity | $36,914,000 | 1,998 |
| Average total loans | $287,705,000 | 1,578 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 660 |
| Cost of funding earning assets | 0.7277% | 702 |
| Net interest margin | 4.2041% | 1,088 |
| Noninterest income to average assets | 0.4111% | 3,741 |
| Noninterest expense to average assets | 2.5607% | 3,880 |
| Loan and lease loss provision to assets | 0.3883% | 366 |
| Net operating income to assets | 0.7778% | 3,363 |
| Return on assets (ROA) | 0.7778% | 3,465 |
| Pretax return on assets | 1.2058% | 2,679 |
| Return on Equity (ROE) | 7.3643% | 3,258 |
| Retained earnings to average equity (ytd only) | 4.9285% | 2,986 |
| Net charge-offs to loans | 0.3715% | 595 |
| Credit loss provision to net charge-offs | 127.1654% | 1,377 |
| Earnings coverage of net charge-offs (x) | 5.2205% | 2,349 |
| Efficiency ratio | 61.6319% | 4,501 |
| Assets per employee ($millions) | 6.6842% | 1,015 |
| Cash dividends to net income (ytd only)* | 33.0757% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 2,511 |
| Loan loss allowance to noncurrent loans | 150.2705% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 2,353 |
| Noncurrent loans to loans | 0.9189% | 2,555 |
| Net loans and leases to total assets | 81.4813% | 632 |
| Net loans and leases to deposits | 96.6771% | 875 |
| Net loans and leases to core deposits | 113.7430% | 681 |
| Total domestic deposits to total assets | 84.2819% | 3,405 |
| Equity capital to assets | 10.3745% | 3,650 |
| Core capital (leverage) ratio | 10.6920% | 2,743 |
| Tier 1 risk-based capital ratio | 11.0371% | 5,483 |
| Total risk-based capital ratio | 12.2504% | 5,414 |
| Memoranda: | ||
| Average total assets | $332,726,000 | 2,008 |
| Average earning assets | $296,284,500 | 2,081 |
| Average equity | $35,142,500 | 2,074 |
| Average total loans | $273,501,500 | 1,649 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 517 |
| Cost of funding earning assets | 0.6802% | 910 |
| Net interest margin | 4.4167% | 769 |
| Noninterest income to average assets | 0.5845% | 2,805 |
| Noninterest expense to average assets | 2.5958% | 3,940 |
| Loan and lease loss provision to assets | 0.2442% | 780 |
| Net operating income to assets | 1.1368% | 1,783 |
| Return on assets (ROA) | 1.1995% | 1,624 |
| Pretax return on assets | 1.8606% | 709 |
| Return on Equity (ROE) | 11.1458% | 1,565 |
| Retained earnings to average equity (ytd only) | 8.1889% | 858 |
| Net charge-offs to loans | 0.0511% | 3,178 |
| Credit loss provision to net charge-offs | 590.6977% | 572 |
| Earnings coverage of net charge-offs (x) | 48.5426% | 1,026 |
| Efficiency ratio | 56.3988% | 5,308 |
| Assets per employee ($millions) | 6.3639% | 1,160 |
| Cash dividends to net income (ytd only)* | 26.5295% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,253 |
| Loan loss allowance to noncurrent loans | 142.3779% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 2,345 |
| Noncurrent loans to loans | 1.0111% | 2,320 |
| Net loans and leases to total assets | 80.5801% | 764 |
| Net loans and leases to deposits | 96.4916% | 958 |
| Net loans and leases to core deposits | 114.1300% | 675 |
| Total domestic deposits to total assets | 83.5099% | 3,669 |
| Equity capital to assets | 10.7589% | 3,067 |
| Core capital (leverage) ratio | 11.0704% | 2,332 |
| Tier 1 risk-based capital ratio | 11.6222% | 5,178 |
| Total risk-based capital ratio | 12.8723% | 5,088 |
| Memoranda: | ||
| Average total assets | $312,043,000 | 2,078 |
| Average earning assets | $283,874,600 | 2,110 |
| Average equity | $33,582,200 | 2,118 |
| Average total loans | $252,351,400 | 1,714 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1338% | 483 |
| Cost of funding earning assets | 0.6735% | 965 |
| Net interest margin | 4.4603% | 713 |
| Noninterest income to average assets | 0.6181% | 2,645 |
| Noninterest expense to average assets | 2.6445% | 3,736 |
| Loan and lease loss provision to assets | 0.2378% | 747 |
| Net operating income to assets | 1.1689% | 1,759 |
| Return on assets (ROA) | 1.2534% | 1,528 |
| Pretax return on assets | 1.9440% | 674 |
| Return on Equity (ROE) | 11.6455% | 1,480 |
| Retained earnings to average equity (ytd only) | 8.5176% | 1,053 |
| Net charge-offs to loans | 0.0632% | 2,686 |
| Credit loss provision to net charge-offs | 466.9492% | 686 |
| Earnings coverage of net charge-offs (x) | 40.2456% | 1,242 |
| Efficiency ratio | 56.3350% | 5,306 |
| Assets per employee ($millions) | 6.0391% | 1,347 |
| Cash dividends to net income (ytd only)* | 26.8594% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 2,565 |
| Loan loss allowance to noncurrent loans | 129.3424% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 2,371 |
| Noncurrent loans to loans | 1.0877% | 2,306 |
| Net loans and leases to total assets | 80.7620% | 719 |
| Net loans and leases to deposits | 96.9036% | 917 |
| Net loans and leases to core deposits | 109.8036% | 886 |
| Total domestic deposits to total assets | 83.3426% | 3,683 |
| Equity capital to assets | 10.9214% | 3,105 |
| Core capital (leverage) ratio | 10.8738% | 2,616 |
| Tier 1 risk-based capital ratio | 12.3260% | 4,874 |
| Total risk-based capital ratio | 13.5764% | 4,774 |
| Memoranda: | ||
| Average total assets | $308,914,250 | 2,112 |
| Average earning assets | $282,305,250 | 2,132 |
| Average equity | $33,248,000 | 2,147 |
| Average total loans | $249,102,000 | 1,743 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 546 |
| Cost of funding earning assets | 0.6646% | 1,026 |
| Net interest margin | 4.3961% | 764 |
| Noninterest income to average assets | 0.6940% | 2,240 |
| Noninterest expense to average assets | 2.7271% | 3,501 |
| Loan and lease loss provision to assets | 0.2357% | 776 |
| Net operating income to assets | 1.1257% | 1,854 |
| Return on assets (ROA) | 1.2532% | 1,511 |
| Pretax return on assets | 1.9440% | 673 |
| Return on Equity (ROE) | 11.7027% | 1,471 |
| Retained earnings to average equity (ytd only) | 8.2618% | 1,164 |
| Net charge-offs to loans | 0.0357% | 2,961 |
| Credit loss provision to net charge-offs | 822.7273% | 421 |
| Earnings coverage of net charge-offs (x) | 69.1364% | 780 |
| Efficiency ratio | 57.9311% | 5,227 |
| Assets per employee ($millions) | 5.7965% | 1,500 |
| Cash dividends to net income (ytd only)* | 29.4026% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 2,821 |
| Loan loss allowance to noncurrent loans | 126.4525% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 2,584 |
| Noncurrent loans to loans | 1.0975% | 2,457 |
| Net loans and leases to total assets | 78.0956% | 1,058 |
| Net loans and leases to deposits | 93.3638% | 1,214 |
| Net loans and leases to core deposits | 104.8130% | 1,141 |
| Total domestic deposits to total assets | 83.6466% | 3,714 |
| Equity capital to assets | 10.5139% | 3,424 |
| Core capital (leverage) ratio | 10.8244% | 2,587 |
| Tier 1 risk-based capital ratio | 12.1504% | 5,037 |
| Total risk-based capital ratio | 13.4004% | 4,940 |
| Memoranda: | ||
| Average total assets | $307,207,330 | 2,141 |
| Average earning assets | $280,477,670 | 2,163 |
| Average equity | $32,898,330 | 2,176 |
| Average total loans | $246,389,330 | 1,768 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 453 |
| Cost of funding earning assets | 0.6689% | 1,005 |
| Net interest margin | 4.4704% | 637 |
| Noninterest income to average assets | 0.7936% | 1,735 |
| Noninterest expense to average assets | 2.9674% | 2,680 |
| Loan and lease loss provision to assets | 0.3477% | 369 |
| Net operating income to assets | 0.9783% | 2,347 |
| Return on assets (ROA) | 1.2382% | 1,524 |
| Pretax return on assets | 1.9469% | 656 |
| Return on Equity (ROE) | 11.4521% | 1,498 |
| Retained earnings to average equity (ytd only) | 8.8253% | 1,260 |
| Net charge-offs to loans | 0.0690% | 2,043 |
| Credit loss provision to net charge-offs | 623.8095% | 458 |
| Earnings coverage of net charge-offs (x) | 33.8810% | 1,073 |
| Efficiency ratio | 61.1096% | 4,945 |
| Assets per employee ($millions) | 6.0007% | 1,401 |
| Cash dividends to net income (ytd only)* | 22.9368% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 3,029 |
| Loan loss allowance to noncurrent loans | 128.9284% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 2,670 |
| Noncurrent loans to loans | 1.0687% | 2,626 |
| Net loans and leases to total assets | 78.1088% | 907 |
| Net loans and leases to deposits | 93.8144% | 1,001 |
| Net loans and leases to core deposits | 105.2453% | 988 |
| Total domestic deposits to total assets | 83.2589% | 4,092 |
| Equity capital to assets | 10.5386% | 3,492 |
| Core capital (leverage) ratio | 10.7455% | 2,696 |
| Tier 1 risk-based capital ratio | 12.4315% | 4,956 |
| Total risk-based capital ratio | 13.6818% | 4,867 |
| Memoranda: | ||
| Average total assets | $301,407,000 | 2,192 |
| Average earning assets | $273,893,000 | 2,219 |
| Average equity | $32,588,000 | 2,202 |
| Average total loans | $243,344,500 | 1,785 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 441 |
| Cost of funding earning assets | 0.6699% | 1,267 |
| Net interest margin | 4.6423% | 576 |
| Noninterest income to average assets | 0.4468% | 3,852 |
| Noninterest expense to average assets | 2.6210% | 4,140 |
| Loan and lease loss provision to assets | 0.1846% | 1,392 |
| Net operating income to assets | 1.1797% | 1,646 |
| Return on assets (ROA) | 1.1797% | 1,715 |
| Pretax return on assets | 1.8299% | 748 |
| Return on Equity (ROE) | 10.7736% | 1,797 |
| Retained earnings to average equity (ytd only) | 7.4547% | 1,213 |
| Net charge-offs to loans | -0.0742% | 6,036 |
| Credit loss provision to net charge-offs | -309.5238% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5424% | 5,615 |
| Assets per employee ($millions) | 5.7016% | 1,603 |
| Cash dividends to net income (ytd only)* | 30.8063% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,268 |
| Loan loss allowance to noncurrent loans | 152.5132% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 1,615 |
| Noncurrent loans to loans | 0.8720% | 3,133 |
| Net loans and leases to total assets | 81.2889% | 595 |
| Net loans and leases to deposits | 98.4826% | 725 |
| Net loans and leases to core deposits | 111.6252% | 703 |
| Total domestic deposits to total assets | 82.5414% | 4,233 |
| Equity capital to assets | 11.1053% | 2,801 |
| Core capital (leverage) ratio | 11.1604% | 2,248 |
| Tier 1 risk-based capital ratio | 12.2579% | 5,188 |
| Total risk-based capital ratio | 13.4716% | 5,124 |
| Memoranda: | ||
| Average total assets | $281,759,400 | 2,261 |
| Average earning assets | $254,224,800 | 2,315 |
| Average equity | $30,853,200 | 2,229 |
| Average total loans | $226,376,400 | 1,854 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 436 |
| Cost of funding earning assets | 0.6748% | 1,294 |
| Net interest margin | 4.6422% | 570 |
| Noninterest income to average assets | 0.4379% | 3,967 |
| Noninterest expense to average assets | 2.6618% | 3,978 |
| Loan and lease loss provision to assets | 0.2261% | 995 |
| Net operating income to assets | 1.0595% | 2,200 |
| Return on assets (ROA) | 1.0595% | 2,267 |
| Pretax return on assets | 1.7373% | 1,000 |
| Return on Equity (ROE) | 9.7111% | 2,345 |
| Retained earnings to average equity (ytd only) | 6.1695% | 2,293 |
| Net charge-offs to loans | -0.1070% | 6,159 |
| Credit loss provision to net charge-offs | -264.8045% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5495% | 5,499 |
| Assets per employee ($millions) | 5.3770% | 1,840 |
| Cash dividends to net income (ytd only)* | 36.4699% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 3,251 |
| Loan loss allowance to noncurrent loans | 160.7143% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.6510% | 1,836 |
| Noncurrent loans to loans | 0.8617% | 3,414 |
| Net loans and leases to total assets | 78.7064% | 864 |
| Net loans and leases to deposits | 91.6187% | 1,269 |
| Net loans and leases to core deposits | 102.5447% | 1,184 |
| Total domestic deposits to total assets | 85.9065% | 2,894 |
| Equity capital to assets | 10.9800% | 2,978 |
| Core capital (leverage) ratio | 11.0421% | 2,447 |
| Tier 1 risk-based capital ratio | 12.5441% | 5,142 |
| Total risk-based capital ratio | 13.7942% | 5,076 |
| Memoranda: | ||
| Average total assets | $279,504,250 | 2,299 |
| Average earning assets | $252,118,250 | 2,341 |
| Average equity | $30,493,500 | 2,256 |
| Average total loans | $223,081,000 | 1,884 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3688% | 391 |
| Cost of funding earning assets | 0.6790% | 1,315 |
| Net interest margin | 4.6898% | 495 |
| Noninterest income to average assets | 0.4322% | 4,008 |
| Noninterest expense to average assets | 2.6678% | 3,988 |
| Loan and lease loss provision to assets | 0.1916% | 1,274 |
| Net operating income to assets | 1.0948% | 1,968 |
| Return on assets (ROA) | 1.0948% | 2,025 |
| Pretax return on assets | 1.7963% | 852 |
| Return on Equity (ROE) | 10.0570% | 2,124 |
| Retained earnings to average equity (ytd only) | 6.1136% | 2,255 |
| Net charge-offs to loans | -0.1967% | 6,339 |
| Credit loss provision to net charge-offs | -122.0183% | 5,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3020% | 5,630 |
| Assets per employee ($millions) | 5.6814% | 1,541 |
| Cash dividends to net income (ytd only)* | 39.2105% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 3,670 |
| Loan loss allowance to noncurrent loans | 143.8707% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.6625% | 1,956 |
| Noncurrent loans to loans | 0.9276% | 3,396 |
| Net loans and leases to total assets | 76.0652% | 1,150 |
| Net loans and leases to deposits | 88.0019% | 1,600 |
| Net loans and leases to core deposits | 98.0109% | 1,441 |
| Total domestic deposits to total assets | 86.4359% | 2,798 |
| Equity capital to assets | 10.6371% | 3,268 |
| Core capital (leverage) ratio | 11.0002% | 2,430 |
| Tier 1 risk-based capital ratio | 12.6883% | 5,092 |
| Total risk-based capital ratio | 13.9164% | 5,048 |
| Memoranda: | ||
| Average total assets | $277,678,330 | 2,311 |
| Average earning assets | $250,075,670 | 2,355 |
| Average equity | $30,227,670 | 2,265 |
| Average total loans | $221,625,000 | 1,890 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 396 |
| Cost of funding earning assets | 0.6864% | 1,330 |
| Net interest margin | 4.6360% | 525 |
| Noninterest income to average assets | 0.4256% | 3,981 |
| Noninterest expense to average assets | 2.6667% | 4,051 |
| Loan and lease loss provision to assets | 0.2047% | 1,132 |
| Net operating income to assets | 1.0514% | 2,004 |
| Return on assets (ROA) | 1.0514% | 2,071 |
| Pretax return on assets | 1.7214% | 933 |
| Return on Equity (ROE) | 9.5419% | 2,230 |
| Retained earnings to average equity (ytd only) | 6.6820% | 2,198 |
| Net charge-offs to loans | -0.4222% | 6,525 |
| Credit loss provision to net charge-offs | -59.6567% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0635% | 5,638 |
| Assets per employee ($millions) | 5.7415% | 1,505 |
| Cash dividends to net income (ytd only)* | 29.9720% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 4,241 |
| Loan loss allowance to noncurrent loans | 138.4653% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.7479% | 2,014 |
| Noncurrent loans to loans | 0.9223% | 3,575 |
| Net loans and leases to total assets | 80.4761% | 498 |
| Net loans and leases to deposits | 95.0456% | 715 |
| Net loans and leases to core deposits | 106.1137% | 751 |
| Total domestic deposits to total assets | 84.6711% | 4,010 |
| Equity capital to assets | 10.9760% | 2,736 |
| Core capital (leverage) ratio | 11.1929% | 2,228 |
| Tier 1 risk-based capital ratio | 12.3744% | 5,390 |
| Total risk-based capital ratio | 13.5433% | 5,382 |
| Memoranda: | ||
| Average total assets | $271,642,500 | 2,363 |
| Average earning assets | $244,174,000 | 2,406 |
| Average equity | $29,931,000 | 2,275 |
| Average total loans | $220,747,500 | 1,892 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 826 |
| Cost of funding earning assets | 0.8125% | 1,142 |
| Net interest margin | 4.2395% | 1,254 |
| Noninterest income to average assets | 0.4086% | 4,385 |
| Noninterest expense to average assets | 2.6066% | 4,439 |
| Loan and lease loss provision to assets | 0.4648% | 609 |
| Net operating income to assets | 0.7159% | 3,712 |
| Return on assets (ROA) | 0.8393% | 3,172 |
| Pretax return on assets | 1.3318% | 2,039 |
| Return on Equity (ROE) | 7.6518% | 3,218 |
| Retained earnings to average equity (ytd only) | 4.5897% | 2,890 |
| Net charge-offs to loans | 1.3526% | 369 |
| Credit loss provision to net charge-offs | 44.5723% | 3,948 |
| Earnings coverage of net charge-offs (x) | 1.5381% | 4,544 |
| Efficiency ratio | 61.9069% | 5,232 |
| Assets per employee ($millions) | 5.4631% | 1,683 |
| Cash dividends to net income (ytd only)* | 40.0179% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 4,904 |
| Loan loss allowance to noncurrent loans | 65.7798% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.4987% | 1,371 |
| Noncurrent loans to loans | 1.7506% | 2,305 |
| Net loans and leases to total assets | 80.0705% | 591 |
| Net loans and leases to deposits | 92.0330% | 1,045 |
| Net loans and leases to core deposits | 102.9090% | 977 |
| Total domestic deposits to total assets | 87.0019% | 2,723 |
| Equity capital to assets | 11.0623% | 2,559 |
| Core capital (leverage) ratio | 11.2280% | 2,174 |
| Tier 1 risk-based capital ratio | 12.5171% | 5,277 |
| Total risk-based capital ratio | 13.5635% | 5,346 |
| Memoranda: | ||
| Average total assets | $266,785,800 | 2,381 |
| Average earning assets | $239,252,200 | 2,427 |
| Average equity | $29,261,200 | 2,294 |
| Average total loans | $205,675,000 | 1,957 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 875 |
| Cost of funding earning assets | 0.8426% | 1,083 |
| Net interest margin | 4.1902% | 1,367 |
| Noninterest income to average assets | 0.4077% | 4,479 |
| Noninterest expense to average assets | 2.6240% | 4,310 |
| Loan and lease loss provision to assets | 0.3661% | 864 |
| Net operating income to assets | 0.7018% | 3,851 |
| Return on assets (ROA) | 0.8663% | 3,120 |
| Pretax return on assets | 1.4330% | 1,824 |
| Return on Equity (ROE) | 7.9157% | 3,163 |
| Retained earnings to average equity (ytd only) | 4.8034% | 3,232 |
| Net charge-offs to loans | 1.0949% | 517 |
| Credit loss provision to net charge-offs | 43.9376% | 3,635 |
| Earnings coverage of net charge-offs (x) | 1.8505% | 4,213 |
| Efficiency ratio | 62.9848% | 4,993 |
| Assets per employee ($millions) | 5.4934% | 1,627 |
| Cash dividends to net income (ytd only)* | 39.3187% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 3,476 |
| Loan loss allowance to noncurrent loans | 57.3725% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.0070% | 1,234 |
| Noncurrent loans to loans | 2.6061% | 1,635 |
| Net loans and leases to total assets | 77.5798% | 799 |
| Net loans and leases to deposits | 89.4887% | 1,218 |
| Net loans and leases to core deposits | 97.7582% | 1,257 |
| Total domestic deposits to total assets | 86.6923% | 2,862 |
| Equity capital to assets | 11.1657% | 2,603 |
| Core capital (leverage) ratio | 11.2031% | 2,300 |
| Tier 1 risk-based capital ratio | 12.7761% | 5,273 |
| Total risk-based capital ratio | 14.0272% | 5,212 |
| Memoranda: | ||
| Average total assets | $266,558,750 | 2,389 |
| Average earning assets | $239,093,750 | 2,448 |
| Average equity | $29,173,250 | 2,326 |
| Average total loans | $202,883,500 | 1,985 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 1,080 |
| Cost of funding earning assets | 0.8695% | 1,037 |
| Net interest margin | 4.0372% | 1,740 |
| Noninterest income to average assets | 0.4037% | 4,498 |
| Noninterest expense to average assets | 2.6600% | 4,183 |
| Loan and lease loss provision to assets | 0.3402% | 990 |
| Net operating income to assets | 0.6028% | 4,265 |
| Return on assets (ROA) | 0.8530% | 3,177 |
| Pretax return on assets | 1.4220% | 1,857 |
| Return on Equity (ROE) | 7.8463% | 3,168 |
| Retained earnings to average equity (ytd only) | 4.6280% | 3,315 |
| Net charge-offs to loans | 1.7348% | 278 |
| Credit loss provision to net charge-offs | 26.0596% | 3,648 |
| Earnings coverage of net charge-offs (x) | 1.0504% | 4,184 |
| Efficiency ratio | 65.9866% | 4,546 |
| Assets per employee ($millions) | 5.7377% | 1,389 |
| Cash dividends to net income (ytd only)* | 41.0167% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 4,299 |
| Loan loss allowance to noncurrent loans | 49.5046% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 3.0144% | 1,340 |
| Noncurrent loans to loans | 2.7153% | 1,679 |
| Net loans and leases to total assets | 74.7881% | 1,131 |
| Net loans and leases to deposits | 85.5754% | 1,612 |
| Net loans and leases to core deposits | 93.8764% | 1,529 |
| Total domestic deposits to total assets | 87.3944% | 2,594 |
| Equity capital to assets | 10.8086% | 2,934 |
| Core capital (leverage) ratio | 10.9584% | 2,401 |
| Tier 1 risk-based capital ratio | 12.9304% | 5,197 |
| Total risk-based capital ratio | 14.1476% | 5,159 |
| Memoranda: | ||
| Average total assets | $267,517,670 | 2,396 |
| Average earning assets | $240,362,330 | 2,443 |
| Average equity | $29,083,670 | 2,336 |
| Average total loans | $201,288,330 | 2,002 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 737 |
| Cost of funding earning assets | 0.8834% | 1,066 |
| Net interest margin | 4.2222% | 1,134 |
| Noninterest income to average assets | 0.2912% | 5,377 |
| Noninterest expense to average assets | 2.7008% | 4,056 |
| Loan and lease loss provision to assets | 0.5104% | 524 |
| Net operating income to assets | 0.4943% | 4,696 |
| Return on assets (ROA) | 0.9968% | 2,353 |
| Pretax return on assets | 1.6754% | 1,138 |
| Return on Equity (ROE) | 9.1424% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.1424% | 1,339 |
| Net charge-offs to loans | 3.4309% | 93 |
| Credit loss provision to net charge-offs | 19.8482% | 3,037 |
| Earnings coverage of net charge-offs (x) | 0.5447% | 3,639 |
| Efficiency ratio | 65.8492% | 4,691 |
| Assets per employee ($millions) | 5.8369% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,474 |
| Loan loss allowance to noncurrent loans | 46.2125% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 3.1971% | 1,366 |
| Noncurrent loans to loans | 2.9181% | 1,723 |
| Net loans and leases to total assets | 72.6381% | 1,259 |
| Net loans and leases to deposits | 83.0863% | 1,696 |
| Net loans and leases to core deposits | 91.2554% | 1,584 |
| Total domestic deposits to total assets | 87.4248% | 2,674 |
| Equity capital to assets | 10.8646% | 3,119 |
| Core capital (leverage) ratio | 11.0919% | 2,188 |
| Tier 1 risk-based capital ratio | 13.8126% | 4,642 |
| Total risk-based capital ratio | 15.0627% | 4,606 |
| Memoranda: | ||
| Average total assets | $266,439,500 | 2,428 |
| Average earning assets | $240,445,500 | 2,469 |
| Average equity | $29,051,500 | 2,374 |
| Average total loans | $199,716,500 | 2,029 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5706% | 543 |
| Cost of funding earning assets | 1.0234% | 1,235 |
| Net interest margin | 4.5473% | 865 |
| Noninterest income to average assets | 0.1732% | 6,165 |
| Noninterest expense to average assets | 2.5978% | 4,754 |
| Loan and lease loss provision to assets | 0.4556% | 1,377 |
| Net operating income to assets | 0.7978% | 3,295 |
| Return on assets (ROA) | 0.7978% | 3,545 |
| Pretax return on assets | 1.2815% | 2,485 |
| Return on Equity (ROE) | 6.8668% | 3,715 |
| Retained earnings to average equity (ytd only) | 0.1975% | 5,749 |
| Net charge-offs to loans | 1.0767% | 988 |
| Credit loss provision to net charge-offs | 54.3653% | 4,591 |
| Earnings coverage of net charge-offs (x) | 2.0727% | 4,376 |
| Efficiency ratio | 59.9270% | 5,554 |
| Assets per employee ($millions) | 6.1484% | 1,194 |
| Cash dividends to net income (ytd only)* | 97.1244% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 2,012 |
| Loan loss allowance to noncurrent loans | 92.2357% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 3.6315% | 1,232 |
| Noncurrent loans to loans | 2.1707% | 2,500 |
| Net loans and leases to total assets | 74.7770% | 1,082 |
| Net loans and leases to deposits | 86.2827% | 1,482 |
| Net loans and leases to core deposits | 94.8660% | 1,398 |
| Total domestic deposits to total assets | 86.6651% | 3,019 |
| Equity capital to assets | 10.9433% | 3,022 |
| Core capital (leverage) ratio | 10.4980% | 2,770 |
| Tier 1 risk-based capital ratio | 13.1610% | 4,989 |
| Total risk-based capital ratio | 14.4184% | 4,927 |
| Memoranda: | ||
| Average total assets | $252,830,600 | 2,506 |
| Average earning assets | $231,391,600 | 2,489 |
| Average equity | $29,373,400 | 2,292 |
| Average total loans | $196,811,200 | 2,031 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6962% | 463 |
| Cost of funding earning assets | 1.0420% | 1,324 |
| Net interest margin | 4.6542% | 739 |
| Noninterest income to average assets | 0.1056% | 6,599 |
| Noninterest expense to average assets | 2.5851% | 4,789 |
| Loan and lease loss provision to assets | 0.6145% | 876 |
| Net operating income to assets | 0.7201% | 3,827 |
| Return on assets (ROA) | 0.7201% | 4,072 |
| Pretax return on assets | 1.1736% | 3,086 |
| Return on Equity (ROE) | 6.1049% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.5493% | 3,697 |
| Net charge-offs to loans | 1.1146% | 909 |
| Credit loss provision to net charge-offs | 70.4587% | 3,888 |
| Earnings coverage of net charge-offs (x) | 2.0501% | 4,242 |
| Efficiency ratio | 59.1120% | 5,644 |
| Assets per employee ($millions) | 6.3576% | 1,028 |
| Cash dividends to net income (ytd only)* | 25.4817% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2250% | 1,662 |
| Loan loss allowance to noncurrent loans | 91.6886% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 3.2050% | 1,604 |
| Noncurrent loans to loans | 2.4267% | 2,370 |
| Net loans and leases to total assets | 74.4366% | 1,181 |
| Net loans and leases to deposits | 86.4786% | 1,548 |
| Net loans and leases to core deposits | 95.5632% | 1,448 |
| Total domestic deposits to total assets | 86.0751% | 3,210 |
| Equity capital to assets | 11.2266% | 3,009 |
| Core capital (leverage) ratio | 11.3543% | 2,089 |
| Tier 1 risk-based capital ratio | 13.5389% | 4,860 |
| Total risk-based capital ratio | 14.7992% | 4,810 |
| Memoranda: | ||
| Average total assets | $249,942,750 | 2,557 |
| Average earning assets | $229,178,000 | 2,534 |
| Average equity | $29,483,750 | 2,300 |
| Average total loans | $195,580,000 | 2,072 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9412% | 323 |
| Cost of funding earning assets | 1.0815% | 1,305 |
| Net interest margin | 4.8596% | 506 |
| Noninterest income to average assets | 0.2833% | 5,548 |
| Noninterest expense to average assets | 2.6424% | 4,637 |
| Loan and lease loss provision to assets | 0.8852% | 532 |
| Net operating income to assets | 0.7566% | 3,570 |
| Return on assets (ROA) | 0.7566% | 3,846 |
| Pretax return on assets | 1.2151% | 2,862 |
| Return on Equity (ROE) | 6.3030% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.7409% | 3,452 |
| Net charge-offs to loans | 1.6610% | 557 |
| Credit loss provision to net charge-offs | 67.4361% | 3,624 |
| Earnings coverage of net charge-offs (x) | 1.6001% | 4,196 |
| Efficiency ratio | 55.7148% | 6,145 |
| Assets per employee ($millions) | 5.8480% | 1,334 |
| Cash dividends to net income (ytd only)* | 24.7835% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 1,745 |
| Loan loss allowance to noncurrent loans | 63.8655% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 3.6876% | 1,415 |
| Noncurrent loans to loans | 3.4587% | 1,665 |
| Net loans and leases to total assets | 78.9418% | 622 |
| Net loans and leases to deposits | 92.4111% | 903 |
| Net loans and leases to core deposits | 101.8157% | 989 |
| Total domestic deposits to total assets | 85.4246% | 3,655 |
| Equity capital to assets | 11.7742% | 2,342 |
| Core capital (leverage) ratio | 11.8310% | 1,702 |
| Tier 1 risk-based capital ratio | 13.6883% | 4,678 |
| Total risk-based capital ratio | 14.9491% | 4,640 |
| Memoranda: | ||
| Average total assets | $244,251,000 | 2,607 |
| Average earning assets | $224,131,670 | 2,596 |
| Average equity | $29,319,330 | 2,300 |
| Average total loans | $193,012,670 | 2,089 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6164% | 139 |
| Cost of funding earning assets | 1.1124% | 1,336 |
| Net interest margin | 5.5041% | 183 |
| Noninterest income to average assets | 0.2892% | 5,559 |
| Noninterest expense to average assets | 2.6030% | 4,806 |
| Loan and lease loss provision to assets | 1.0971% | 365 |
| Net operating income to assets | 1.0572% | 2,262 |
| Return on assets (ROA) | 1.0572% | 2,453 |
| Pretax return on assets | 1.6639% | 1,391 |
| Return on Equity (ROE) | 8.7198% | 2,941 |
| Retained earnings to average equity (ytd only) | 7.1431% | 2,354 |
| Net charge-offs to loans | 3.0656% | 234 |
| Credit loss provision to net charge-offs | 45.8015% | 3,351 |
| Earnings coverage of net charge-offs (x) | 1.1527% | 3,758 |
| Efficiency ratio | 48.5280% | 6,763 |
| Assets per employee ($millions) | 5.9566% | 1,310 |
| Cash dividends to net income (ytd only)* | 18.0818% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2434% | 1,787 |
| Loan loss allowance to noncurrent loans | 74.2270% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 3.2528% | 1,776 |
| Noncurrent loans to loans | 3.0223% | 2,138 |
| Net loans and leases to total assets | 75.3854% | 874 |
| Net loans and leases to deposits | 90.4707% | 923 |
| Net loans and leases to core deposits | 100.3488% | 970 |
| Total domestic deposits to total assets | 83.3258% | 4,804 |
| Equity capital to assets | 12.0579% | 2,001 |
| Core capital (leverage) ratio | 11.8438% | 1,678 |
| Tier 1 risk-based capital ratio | 14.4426% | 4,152 |
| Total risk-based capital ratio | 15.7038% | 4,106 |
| Memoranda: | ||
| Average total assets | $240,644,000 | 2,663 |
| Average earning assets | $221,872,000 | 2,638 |
| Average equity | $29,175,000 | 2,314 |
| Average total loans | $188,021,500 | 2,138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4891% | 1,189 |
| Cost of funding earning assets | 1.2535% | 1,712 |
| Net interest margin | 4.2356% | 1,941 |
| Noninterest income to average assets | 0.0559% | 6,811 |
| Noninterest expense to average assets | 2.5237% | 5,387 |
| Loan and lease loss provision to assets | 1.1481% | 781 |
| Net operating income to assets | 0.5751% | 4,118 |
| Return on assets (ROA) | 0.5751% | 4,303 |
| Pretax return on assets | 0.2918% | 5,575 |
| Return on Equity (ROE) | 4.5532% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.9577% | 4,132 |
| Net charge-offs to loans | 0.9532% | 1,813 |
| Credit loss provision to net charge-offs | 153.1103% | 1,837 |
| Earnings coverage of net charge-offs (x) | 1.9202% | 4,335 |
| Efficiency ratio | 63.6727% | 5,182 |
| Assets per employee ($millions) | 5.9267% | 1,287 |
| Cash dividends to net income (ytd only)* | 35.0421% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6669% | 1,116 |
| Loan loss allowance to noncurrent loans | 103.4084% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 3.0823% | 1,945 |
| Noncurrent loans to loans | 2.5790% | 2,545 |
| Net loans and leases to total assets | 77.0689% | 815 |
| Net loans and leases to deposits | 92.5693% | 918 |
| Net loans and leases to core deposits | 103.3055% | 946 |
| Total domestic deposits to total assets | 83.2554% | 4,640 |
| Equity capital to assets | 12.1915% | 1,971 |
| Core capital (leverage) ratio | 12.3413% | 1,421 |
| Tier 1 risk-based capital ratio | 14.3584% | 4,075 |
| Total risk-based capital ratio | 15.6247% | 4,029 |
| Memoranda: | ||
| Average total assets | $227,247,600 | 2,761 |
| Average earning assets | $209,653,000 | 2,733 |
| Average equity | $28,705,000 | 2,289 |
| Average total loans | $178,763,800 | 2,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5785% | 1,082 |
| Cost of funding earning assets | 1.2929% | 1,741 |
| Net interest margin | 4.2855% | 1,775 |
| Noninterest income to average assets | 0.0184% | 7,053 |
| Noninterest expense to average assets | 2.5599% | 5,237 |
| Loan and lease loss provision to assets | 0.8387% | 1,099 |
| Net operating income to assets | 0.7450% | 3,408 |
| Return on assets (ROA) | 0.7450% | 3,573 |
| Pretax return on assets | 0.5694% | 4,909 |
| Return on Equity (ROE) | 5.8439% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,709 |
| Net charge-offs to loans | 1.2493% | 1,243 |
| Credit loss provision to net charge-offs | 85.4897% | 3,946 |
| Earnings coverage of net charge-offs (x) | 1.4353% | 4,555 |
| Efficiency ratio | 64.5142% | 4,981 |
| Assets per employee ($millions) | 5.5488% | 1,546 |
| Cash dividends to net income (ytd only)* | 27.3889% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 1,777 |
| Loan loss allowance to noncurrent loans | 86.2054% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 3.0818% | 2,078 |
| Noncurrent loans to loans | 2.6109% | 2,657 |
| Net loans and leases to total assets | 75.5688% | 1,046 |
| Net loans and leases to deposits | 92.8509% | 930 |
| Net loans and leases to core deposits | 109.7246% | 686 |
| Total domestic deposits to total assets | 81.3872% | 5,299 |
| Equity capital to assets | 13.1994% | 1,519 |
| Core capital (leverage) ratio | 12.6347% | 1,373 |
| Tier 1 risk-based capital ratio | 15.5684% | 3,348 |
| Total risk-based capital ratio | 16.8300% | 3,302 |
| Memoranda: | ||
| Average total assets | $224,792,750 | 2,790 |
| Average earning assets | $207,172,500 | 2,767 |
| Average equity | $28,655,750 | 2,295 |
| Average total loans | $176,527,000 | 2,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6287% | 1,022 |
| Cost of funding earning assets | 1.3284% | 1,772 |
| Net interest margin | 4.3003% | 1,648 |
| Noninterest income to average assets | -0.0930% | 7,283 |
| Noninterest expense to average assets | 2.5250% | 5,443 |
| Loan and lease loss provision to assets | 0.6158% | 1,555 |
| Net operating income to assets | 0.8408% | 2,899 |
| Return on assets (ROA) | 0.8408% | 3,000 |
| Pretax return on assets | 0.7327% | 4,270 |
| Return on Equity (ROE) | 6.6732% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.0629% | 2,964 |
| Net charge-offs to loans | 0.0370% | 5,334 |
| Credit loss provision to net charge-offs | 2,106.0606% | 157 |
| Earnings coverage of net charge-offs (x) | 46.1212% | 671 |
| Efficiency ratio | 65.1876% | 5,028 |
| Assets per employee ($millions) | 5.6543% | 1,437 |
| Cash dividends to net income (ytd only)* | 24.1307% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7376% | 1,139 |
| Loan loss allowance to noncurrent loans | 145.7772% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 2.6714% | 2,500 |
| Noncurrent loans to loans | 1.8779% | 3,642 |
| Net loans and leases to total assets | 76.7555% | 952 |
| Net loans and leases to deposits | 93.6141% | 901 |
| Net loans and leases to core deposits | 110.6521% | 702 |
| Total domestic deposits to total assets | 81.9914% | 5,173 |
| Equity capital to assets | 13.1577% | 1,443 |
| Core capital (leverage) ratio | 12.4781% | 1,366 |
| Tier 1 risk-based capital ratio | 15.4819% | 3,252 |
| Total risk-based capital ratio | 16.7494% | 3,189 |
| Memoranda: | ||
| Average total assets | $225,740,330 | 2,798 |
| Average earning assets | $208,219,330 | 2,780 |
| Average equity | $28,442,330 | 2,283 |
| Average total loans | $178,173,670 | 2,305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7105% | 862 |
| Cost of funding earning assets | 1.3564% | 1,845 |
| Net interest margin | 4.3541% | 1,414 |
| Noninterest income to average assets | -0.3959% | 7,480 |
| Noninterest expense to average assets | 2.5645% | 5,346 |
| Loan and lease loss provision to assets | 0.2855% | 2,863 |
| Net operating income to assets | 0.9231% | 2,469 |
| Return on assets (ROA) | 0.9231% | 2,526 |
| Pretax return on assets | 0.7690% | 4,022 |
| Return on Equity (ROE) | 7.4869% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.8531% | 2,722 |
| Net charge-offs to loans | 0.1065% | 3,892 |
| Credit loss provision to net charge-offs | 339.5833% | 959 |
| Earnings coverage of net charge-offs (x) | 12.5417% | 1,494 |
| Efficiency ratio | 70.8616% | 4,081 |
| Assets per employee ($millions) | 5.5103% | 1,570 |
| Cash dividends to net income (ytd only)* | 21.8216% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3649% | 1,651 |
| Loan loss allowance to noncurrent loans | 143.0315% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 2.4663% | 2,762 |
| Noncurrent loans to loans | 1.6534% | 3,998 |
| Net loans and leases to total assets | 77.0798% | 863 |
| Net loans and leases to deposits | 93.3417% | 889 |
| Net loans and leases to core deposits | 110.5840% | 694 |
| Total domestic deposits to total assets | 82.5781% | 5,076 |
| Equity capital to assets | 12.5769% | 1,584 |
| Core capital (leverage) ratio | 12.2552% | 1,428 |
| Tier 1 risk-based capital ratio | 15.0698% | 3,387 |
| Total risk-based capital ratio | 16.3328% | 3,342 |
| Memoranda: | ||
| Average total assets | $228,352,000 | 2,788 |
| Average earning assets | $210,560,500 | 2,773 |
| Average equity | $28,156,000 | 2,291 |
| Average total loans | $180,249,000 | 2,304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 2,715 |
| Cost of funding earning assets | 1.8847% | 898 |
| Net interest margin | 3.5062% | 5,224 |
| Noninterest income to average assets | -0.0865% | 7,381 |
| Noninterest expense to average assets | 2.3648% | 6,182 |
| Loan and lease loss provision to assets | 1.0733% | 1,498 |
| Net operating income to assets | 0.1289% | 5,512 |
| Return on assets (ROA) | 0.2727% | 5,190 |
| Pretax return on assets | -0.0682% | 5,970 |
| Return on Equity (ROE) | 2.1843% | 5,320 |
| Retained earnings to average equity (ytd only) | 0.7456% | 5,183 |
| Net charge-offs to loans | 0.6467% | 3,080 |
| Credit loss provision to net charge-offs | 219.8747% | 1,364 |
| Earnings coverage of net charge-offs (x) | 1.5989% | 4,538 |
| Efficiency ratio | 75.1841% | 3,166 |
| Assets per employee ($millions) | 6.0732% | 1,166 |
| Cash dividends to net income (ytd only)* | 65.8654% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 1,770 |
| Loan loss allowance to noncurrent loans | 139.5104% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 3.3902% | 2,066 |
| Noncurrent loans to loans | 1.6147% | 4,082 |
| Net loans and leases to total assets | 77.1450% | 1,065 |
| Net loans and leases to deposits | 95.0651% | 947 |
| Net loans and leases to core deposits | 113.1587% | 766 |
| Total domestic deposits to total assets | 81.1497% | 5,475 |
| Equity capital to assets | 12.0885% | 1,857 |
| Core capital (leverage) ratio | 12.1896% | 1,436 |
| Tier 1 risk-based capital ratio | 14.4769% | 3,562 |
| Total risk-based capital ratio | 15.7383% | 3,507 |
| Memoranda: | ||
| Average total assets | $228,818,400 | 2,771 |
| Average earning assets | $210,910,800 | 2,745 |
| Average equity | $28,567,200 | 2,272 |
| Average total loans | $172,711,200 | 2,433 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 2,828 |
| Cost of funding earning assets | 1.9947% | 766 |
| Net interest margin | 3.4168% | 5,615 |
| Noninterest income to average assets | 0.1372% | 6,871 |
| Noninterest expense to average assets | 2.3288% | 6,236 |
| Loan and lease loss provision to assets | 0.4958% | 2,987 |
| Net operating income to assets | 0.4625% | 4,477 |
| Return on assets (ROA) | 0.5559% | 4,237 |
| Pretax return on assets | 0.5559% | 4,743 |
| Return on Equity (ROE) | 4.4173% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.0392% | 4,308 |
| Net charge-offs to loans | 0.1135% | 5,402 |
| Credit loss provision to net charge-offs | 585.5172% | 498 |
| Earnings coverage of net charge-offs (x) | 11.3172% | 1,805 |
| Efficiency ratio | 70.8474% | 3,912 |
| Assets per employee ($millions) | 5.7631% | 1,421 |
| Cash dividends to net income (ytd only)* | 31.1975% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 2,242 |
| Loan loss allowance to noncurrent loans | 77.3021% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 3.8388% | 1,848 |
| Noncurrent loans to loans | 2.5779% | 3,050 |
| Net loans and leases to total assets | 75.8653% | 1,436 |
| Net loans and leases to deposits | 89.4786% | 1,791 |
| Net loans and leases to core deposits | 101.0429% | 1,745 |
| Total domestic deposits to total assets | 84.7859% | 3,732 |
| Equity capital to assets | 12.8814% | 1,638 |
| Core capital (leverage) ratio | 12.3521% | 1,478 |
| Tier 1 risk-based capital ratio | 15.4540% | 3,025 |
| Total risk-based capital ratio | 16.7120% | 2,988 |
| Memoranda: | ||
| Average total assets | $228,327,750 | 2,813 |
| Average earning assets | $210,481,000 | 2,785 |
| Average equity | $28,734,500 | 2,292 |
| Average total loans | $170,354,250 | 2,507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 3,288 |
| Cost of funding earning assets | 2.1293% | 597 |
| Net interest margin | 3.2063% | 6,298 |
| Noninterest income to average assets | 0.1473% | 6,845 |
| Noninterest expense to average assets | 2.2944% | 6,370 |
| Loan and lease loss provision to assets | 0.5054% | 2,777 |
| Net operating income to assets | 0.2971% | 5,190 |
| Return on assets (ROA) | 0.4366% | 4,750 |
| Pretax return on assets | 0.4366% | 5,104 |
| Return on Equity (ROE) | 3.4959% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.2259% | 4,735 |
| Net charge-offs to loans | 0.4068% | 3,359 |
| Credit loss provision to net charge-offs | 168.6047% | 2,326 |
| Earnings coverage of net charge-offs (x) | 2.6773% | 3,656 |
| Efficiency ratio | 74.0855% | 3,463 |
| Assets per employee ($millions) | 5.7357% | 1,419 |
| Cash dividends to net income (ytd only)* | 36.3273% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,815 |
| Loan loss allowance to noncurrent loans | 104.1667% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 3.0022% | 2,376 |
| Noncurrent loans to loans | 1.7003% | 4,137 |
| Net loans and leases to total assets | 70.7509% | 2,726 |
| Net loans and leases to deposits | 82.6138% | 3,158 |
| Net loans and leases to core deposits | 97.8689% | 2,245 |
| Total domestic deposits to total assets | 85.6406% | 3,291 |
| Equity capital to assets | 12.2762% | 1,935 |
| Core capital (leverage) ratio | 12.2850% | 1,502 |
| Tier 1 risk-based capital ratio | 15.7422% | 2,784 |
| Total risk-based capital ratio | 16.9978% | 2,745 |
| Memoranda: | ||
| Average total assets | $229,517,330 | 2,819 |
| Average earning assets | $211,148,330 | 2,802 |
| Average equity | $28,662,000 | 2,291 |
| Average total loans | $169,145,330 | 2,562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 4,697 |
| Cost of funding earning assets | 2.2596% | 481 |
| Net interest margin | 2.8067% | 7,169 |
| Noninterest income to average assets | 0.1747% | 6,718 |
| Noninterest expense to average assets | 2.2815% | 6,436 |
| Loan and lease loss provision to assets | 0.0918% | 5,717 |
| Net operating income to assets | 0.3811% | 4,921 |
| Return on assets (ROA) | 0.6634% | 3,710 |
| Pretax return on assets | 0.6634% | 4,364 |
| Return on Equity (ROE) | 5.2664% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.2664% | 3,004 |
| Net charge-offs to loans | 0.0331% | 5,116 |
| Credit loss provision to net charge-offs | 371.4286% | 1,098 |
| Earnings coverage of net charge-offs (x) | 19.1429% | 1,209 |
| Efficiency ratio | 82.8315% | 2,160 |
| Assets per employee ($millions) | 5.6129% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,252 |
| Loan loss allowance to noncurrent loans | 56.9425% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 4.3302% | 1,572 |
| Noncurrent loans to loans | 2.8972% | 2,783 |
| Net loans and leases to total assets | 74.3745% | 1,895 |
| Net loans and leases to deposits | 87.4018% | 2,333 |
| Net loans and leases to core deposits | 101.6330% | 1,958 |
| Total domestic deposits to total assets | 85.0950% | 3,620 |
| Equity capital to assets | 12.7697% | 1,616 |
| Core capital (leverage) ratio | 12.3470% | 1,472 |
| Tier 1 risk-based capital ratio | 15.4016% | 2,918 |
| Total risk-based capital ratio | 16.6557% | 2,866 |
| Memoranda: | ||
| Average total assets | $226,694,500 | 2,907 |
| Average earning assets | $208,358,000 | 2,892 |
| Average equity | $28,558,500 | 2,328 |
| Average total loans | $169,028,000 | 2,630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 6,207 |
| Cost of funding earning assets | 2.8188% | 423 |
| Net interest margin | 2.2476% | 7,621 |
| Noninterest income to average assets | 0.1260% | 7,119 |
| Noninterest expense to average assets | 2.3713% | 6,549 |
| Loan and lease loss provision to assets | 1.0169% | 2,245 |
| Net operating income to assets | -1.1827% | 6,698 |
| Return on assets (ROA) | -1.1300% | 6,672 |
| Pretax return on assets | -1.1300% | 6,492 |
| Return on Equity (ROE) | -10.9865% | 6,694 |
| Retained earnings to average equity (ytd only) | -11.6597% | 6,656 |
| Net charge-offs to loans | 1.0997% | 2,221 |
| Credit loss provision to net charge-offs | 124.8159% | 4,199 |
| Earnings coverage of net charge-offs (x) | -0.2034% | 6,448 |
| Efficiency ratio | 107.5136% | 854 |
| Assets per employee ($millions) | 5.7219% | 1,444 |
| Cash dividends to net income (ytd only)* | -6.1275% | 7,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,113 |
| Loan loss allowance to noncurrent loans | 62.2943% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.3521% | 2,033 |
| Noncurrent loans to loans | 2.6368% | 2,918 |
| Net loans and leases to total assets | 72.3145% | 2,676 |
| Net loans and leases to deposits | 84.6940% | 3,143 |
| Net loans and leases to core deposits | 126.7443% | 1,460 |
| Total domestic deposits to total assets | 85.3832% | 3,369 |
| Equity capital to assets | 12.4291% | 1,781 |
| Core capital (leverage) ratio | 12.1022% | 1,623 |
| Tier 1 risk-based capital ratio | 15.1398% | 2,871 |
| Total risk-based capital ratio | 16.3934% | 2,830 |
| Memoranda: | ||
| Average total assets | $216,628,800 | 2,990 |
| Average earning assets | $200,440,400 | 2,960 |
| Average equity | $22,281,800 | 2,914 |
| Average total loans | $160,504,800 | 2,756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 6,629 |
| Cost of funding earning assets | 2.9190% | 424 |
| Net interest margin | 2.0716% | 7,783 |
| Noninterest income to average assets | 0.2603% | 6,369 |
| Noninterest expense to average assets | 2.4060% | 6,397 |
| Loan and lease loss provision to assets | 0.4408% | 3,706 |
| Net operating income to assets | -0.6711% | 6,578 |
| Return on assets (ROA) | -0.6387% | 6,567 |
| Pretax return on assets | -0.6387% | 6,435 |
| Return on Equity (ROE) | -6.5764% | 6,618 |
| Retained earnings to average equity (ytd only) | -7.5406% | 6,553 |
| Net charge-offs to loans | 0.3263% | 4,007 |
| Credit loss provision to net charge-offs | 181.9588% | 2,510 |
| Earnings coverage of net charge-offs (x) | -0.9510% | 6,617 |
| Efficiency ratio | 110.5882% | 756 |
| Assets per employee ($millions) | 5.3559% | 1,743 |
| Cash dividends to net income (ytd only)* | -14.6631% | 7,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 2,812 |
| Loan loss allowance to noncurrent loans | 55.4647% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 3.8822% | 1,653 |
| Noncurrent loans to loans | 2.9731% | 2,544 |
| Net loans and leases to total assets | 70.1018% | 3,491 |
| Net loans and leases to deposits | 79.4823% | 4,482 |
| Net loans and leases to core deposits | 118.3154% | 2,387 |
| Total domestic deposits to total assets | 88.1981% | 1,562 |
| Equity capital to assets | 9.6103% | 4,608 |
| Core capital (leverage) ratio | 9.0887% | 4,513 |
| Tier 1 risk-based capital ratio | 11.6397% | 5,294 |
| Total risk-based capital ratio | 12.8930% | 5,232 |
| Memoranda: | ||
| Average total assets | $213,567,500 | 3,045 |
| Average earning assets | $197,462,750 | 3,020 |
| Average equity | $20,740,500 | 3,134 |
| Average total loans | $158,562,750 | 2,819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 6,870 |
| Cost of funding earning assets | 3.0178% | 444 |
| Net interest margin | 1.9530% | 7,887 |
| Noninterest income to average assets | 0.2698% | 6,339 |
| Noninterest expense to average assets | 2.5046% | 6,111 |
| Loan and lease loss provision to assets | 0.6731% | 2,413 |
| Net operating income to assets | -1.1050% | 7,055 |
| Return on assets (ROA) | -1.0554% | 7,021 |
| Pretax return on assets | -1.0554% | 6,857 |
| Return on Equity (ROE) | -10.8275% | 7,098 |
| Retained earnings to average equity (ytd only) | -10.8275% | 6,959 |
| Net charge-offs to loans | 0.4862% | 2,883 |
| Credit loss provision to net charge-offs | 183.8542% | 2,495 |
| Earnings coverage of net charge-offs (x) | -1.1797% | 6,266 |
| Efficiency ratio | 120.8372% | 650 |
| Assets per employee ($millions) | 5.1405% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 2,543 |
| Loan loss allowance to noncurrent loans | 37.1962% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 3.7635% | 1,623 |
| Noncurrent loans to loans | 4.4256% | 1,467 |
| Net loans and leases to total assets | 71.5743% | 3,327 |
| Net loans and leases to deposits | 81.2805% | 4,339 |
| Net loans and leases to core deposits | 123.5919% | 2,057 |
| Total domestic deposits to total assets | 88.0584% | 1,736 |
| Equity capital to assets | 9.6778% | 4,385 |
| Core capital (leverage) ratio | 9.3992% | 4,025 |
| Tier 1 risk-based capital ratio | 11.7642% | 5,134 |
| Total risk-based capital ratio | 13.0172% | 5,051 |
| Memoranda: | ||
| Average total assets | $209,774,330 | 3,107 |
| Average earning assets | $193,653,670 | 3,093 |
| Average equity | $20,448,000 | 3,177 |
| Average total loans | $157,971,670 | 2,856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 6,802 |
| Cost of funding earning assets | 3.1035% | 456 |
| Net interest margin | 1.9439% | 7,916 |
| Noninterest income to average assets | 0.2567% | 6,398 |
| Noninterest expense to average assets | 2.3944% | 6,207 |
| Loan and lease loss provision to assets | 0.5134% | 2,415 |
| Net operating income to assets | -0.8543% | 7,157 |
| Return on assets (ROA) | -0.8073% | 7,165 |
| Pretax return on assets | -0.8073% | 7,040 |
| Return on Equity (ROE) | -8.2499% | 7,253 |
| Retained earnings to average equity (ytd only) | -8.2499% | 6,937 |
| Net charge-offs to loans | 0.0077% | 5,563 |
| Credit loss provision to net charge-offs | 8,733.3333% | 75 |
| Earnings coverage of net charge-offs (x) | -58.0000% | 5,698 |
| Efficiency ratio | 116.6031% | 683 |
| Assets per employee ($millions) | 4.8320% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 2,358 |
| Loan loss allowance to noncurrent loans | 54.6261% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 2.7135% | 2,094 |
| Noncurrent loans to loans | 3.0003% | 2,173 |
| Net loans and leases to total assets | 74.6961% | 2,580 |
| Net loans and leases to deposits | 85.3943% | 3,735 |
| Net loans and leases to core deposits | 132.0562% | 1,538 |
| Total domestic deposits to total assets | 87.4720% | 1,980 |
| Equity capital to assets | 10.2587% | 3,701 |
| Core capital (leverage) ratio | 9.8159% | 3,618 |
| Tier 1 risk-based capital ratio | 11.9407% | 5,011 |
| Total risk-based capital ratio | 13.1982% | 4,912 |
| Memoranda: | ||
| Average total assets | $204,140,000 | 3,197 |
| Average earning assets | $188,689,000 | 3,173 |
| Average equity | $19,976,000 | 3,263 |
| Average total loans | $156,528,500 | 2,904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0049% | 5,525 |
| Cost of funding earning assets | 3.5201% | 488 |
| Net interest margin | 2.4848% | 7,772 |
| Noninterest income to average assets | 0.0277% | 7,993 |
| Noninterest expense to average assets | 2.2625% | 6,807 |
| Loan and lease loss provision to assets | 0.7547% | 1,980 |
| Net operating income to assets | -0.6329% | 7,027 |
| Return on assets (ROA) | -0.5140% | 6,810 |
| Pretax return on assets | -0.5140% | 6,667 |
| Return on Equity (ROE) | -4.7942% | 6,843 |
| Retained earnings to average equity (ytd only) | -4.7942% | 6,480 |
| Net charge-offs to loans | 0.3211% | 3,255 |
| Credit loss provision to net charge-offs | 314.9877% | 1,433 |
| Earnings coverage of net charge-offs (x) | 0.5086% | 5,926 |
| Efficiency ratio | 94.8889% | 1,226 |
| Assets per employee ($millions) | 5.7287% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 2,703 |
| Loan loss allowance to noncurrent loans | 95.3670% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3596% | 3,482 |
| Noncurrent loans to loans | 1.5708% | 3,428 |
| Net loans and leases to total assets | 76.2800% | 2,548 |
| Net loans and leases to deposits | 90.8673% | 3,306 |
| Net loans and leases to core deposits | 172.1454% | 369 |
| Total domestic deposits to total assets | 83.9466% | 3,350 |
| Equity capital to assets | 9.2950% | 4,939 |
| Core capital (leverage) ratio | 9.0915% | 4,603 |
| Tier 1 risk-based capital ratio | 10.4785% | 6,228 |
| Total risk-based capital ratio | 11.6462% | 6,192 |
| Memoranda: | ||
| Average total assets | $169,859,000 | 3,557 |
| Average earning assets | $161,102,200 | 3,454 |
| Average equity | $18,209,600 | 3,523 |
| Average total loans | $126,747,200 | 3,322 |