Home > First National Bank and Trust Company of Weatherford > Performance and Condition Ratios
First National Bank and Trust Company of Weatherford, Performance and Condition Ratios
| 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 | 0.2910% | 4,701 |
| Cost of funding earning assets | 0.0315% | 4,606 |
| Net interest margin | 0.2595% | 4,700 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 0.2561% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0099% | 4,555 |
| Return on assets (ROA) | 0.0099% | 4,541 |
| Pretax return on assets | 0.0099% | 4,537 |
| Return on Equity (ROE) | 0.0800% | 4,541 |
| Retained earnings to average equity (ytd only) | 0.0820% | 4,329 |
| Net charge-offs to loans | 0.0307% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.4833% | 2,560 |
| Efficiency ratio | 96.2821% | 192 |
| Assets per employee ($millions) | 5.0244% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 532 |
| Noncurrent loans to loans | 0.8427% | 888 |
| Net loans and leases to total assets | 76.1000% | 999 |
| Net loans and leases to deposits | 91.5206% | 946 |
| Net loans and leases to core deposits | 95.1166% | 1,247 |
| Total domestic deposits to total assets | 83.1500% | 3,387 |
| Equity capital to assets | 12.8240% | 736 |
| Core capital (leverage) ratio | 8.2746% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.0899% | 3,048 |
| Memoranda: | ||
| Average total assets | $293,282,800 | 2,484 |
| Average earning assets | $266,698,600 | 2,510 |
| Average equity | $35,359,400 | 2,093 |
| Average total loans | $195,356,000 | 2,272 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 1,518 |
| Cost of funding earning assets | 0.2221% | 3,017 |
| Net interest margin | 3.6633% | 1,239 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.6894% | 1,495 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.1268% | 1,978 |
| Return on assets (ROA) | 1.1268% | 1,945 |
| Pretax return on assets | 1.1359% | 2,608 |
| Return on Equity (ROE) | 9.5000% | 2,874 |
| Retained earnings to average equity (ytd only) | 6.6943% | 2,480 |
| Net charge-offs to loans | 0.0355% | 1,155 |
| Credit loss provision to net charge-offs | 824.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 58.0800% | 1,187 |
| Efficiency ratio | 67.0150% | 2,152 |
| Assets per employee ($millions) | 5.1018% | 3,591 |
| Cash dividends to net income (ytd only)* | 29.5307% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 148 |
| Loan loss allowance to noncurrent loans | 351.0949% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 682 |
| Noncurrent loans to loans | 0.8179% | 974 |
| Net loans and leases to total assets | 62.6400% | 2,222 |
| Net loans and leases to deposits | 72.8111% | 2,143 |
| Net loans and leases to core deposits | 76.2292% | 2,178 |
| Total domestic deposits to total assets | 86.0300% | 3,061 |
| Equity capital to assets | 12.2436% | 830 |
| Core capital (leverage) ratio | 11.7429% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5876% | 1,067 |
| Memoranda: | ||
| Average total assets | $292,494,250 | 2,506 |
| Average earning assets | $268,313,000 | 2,525 |
| Average equity | $34,695,500 | 2,156 |
| Average total loans | $187,797,250 | 2,330 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 1,479 |
| Cost of funding earning assets | 0.2268% | 2,554 |
| Net interest margin | 3.5004% | 1,311 |
| Noninterest income to average assets | 0.6860% | 1,405 |
| Noninterest expense to average assets | 2.6510% | 1,502 |
| Loan and lease loss provision to assets | 0.2036% | 405 |
| Net operating income to assets | 1.0239% | 2,075 |
| Return on assets (ROA) | 1.0239% | 2,041 |
| Pretax return on assets | 1.0354% | 2,623 |
| Return on Equity (ROE) | 8.7224% | 2,784 |
| Retained earnings to average equity (ytd only) | 5.8901% | 2,367 |
| Net charge-offs to loans | 0.0540% | 853 |
| Credit loss provision to net charge-offs | 588.2353% | 580 |
| Earnings coverage of net charge-offs (x) | 35.8039% | 1,315 |
| Efficiency ratio | 68.1493% | 2,218 |
| Assets per employee ($millions) | 5.1790% | 3,527 |
| Cash dividends to net income (ytd only)* | 32.4718% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8721% | 163 |
| Loan loss allowance to noncurrent loans | 277.7897% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 661 |
| Noncurrent loans to loans | 1.0339% | 810 |
| Net loans and leases to total assets | 60.3777% | 2,285 |
| Net loans and leases to deposits | 69.9336% | 2,211 |
| Net loans and leases to core deposits | 74.8322% | 2,106 |
| Total domestic deposits to total assets | 86.3357% | 3,163 |
| Equity capital to assets | 12.0220% | 867 |
| Core capital (leverage) ratio | 11.2368% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5223% | 1,070 |
| Memoranda: | ||
| Average total assets | $294,758,667 | 2,512 |
| Average earning assets | $269,799,667 | 2,541 |
| Average equity | $34,600,667 | 2,214 |
| Average total loans | $188,979,000 | 2,309 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 1,312 |
| Cost of funding earning assets | 0.2280% | 2,430 |
| Net interest margin | 3.4541% | 1,177 |
| Noninterest income to average assets | 0.7539% | 1,163 |
| Noninterest expense to average assets | 2.7059% | 1,347 |
| Loan and lease loss provision to assets | 0.2531% | 255 |
| Net operating income to assets | 0.9249% | 2,180 |
| Return on assets (ROA) | 0.9249% | 2,174 |
| Pretax return on assets | 0.9356% | 2,649 |
| Return on Equity (ROE) | 7.9727% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.9727% | 1,595 |
| Net charge-offs to loans | 0.0372% | 916 |
| Credit loss provision to net charge-offs | 1,044.4444% | 321 |
| Earnings coverage of net charge-offs (x) | 49.0556% | 932 |
| Efficiency ratio | 69.4781% | 2,304 |
| Assets per employee ($millions) | 5.2761% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6628% | 239 |
| Loan loss allowance to noncurrent loans | 260.5008% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 713 |
| Noncurrent loans to loans | 1.0222% | 886 |
| Net loans and leases to total assets | 61.9656% | 1,862 |
| Net loans and leases to deposits | 71.2805% | 1,834 |
| Net loans and leases to core deposits | 76.6869% | 1,732 |
| Total domestic deposits to total assets | 86.9321% | 2,951 |
| Equity capital to assets | 11.5533% | 1,107 |
| Core capital (leverage) ratio | 11.0372% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5842% | 1,123 |
| Memoranda: | ||
| Average total assets | $297,125,000 | 2,508 |
| Average earning assets | $270,174,500 | 2,555 |
| Average equity | $34,467,500 | 2,273 |
| Average total loans | $193,324,000 | 2,276 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 588 |
| Cost of funding earning assets | 0.3583% | 1,870 |
| Net interest margin | 4.1622% | 523 |
| Noninterest income to average assets | 0.6183% | 2,084 |
| Noninterest expense to average assets | 2.6484% | 1,754 |
| Loan and lease loss provision to assets | 0.2960% | 278 |
| Net operating income to assets | 1.3987% | 1,282 |
| Return on assets (ROA) | 1.4813% | 1,112 |
| Pretax return on assets | 1.4924% | 1,754 |
| Return on Equity (ROE) | 12.6995% | 1,569 |
| Retained earnings to average equity (ytd only) | -3.8347% | 4,679 |
| Net charge-offs to loans | 0.2264% | 412 |
| Credit loss provision to net charge-offs | 190.6780% | 1,337 |
| Earnings coverage of net charge-offs (x) | 10.9894% | 2,182 |
| Efficiency ratio | 60.8233% | 3,020 |
| Assets per employee ($millions) | 5.0606% | 3,680 |
| Cash dividends to net income (ytd only)* | 130.1954% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5246% | 266 |
| Loan loss allowance to noncurrent loans | 252.9774% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 769 |
| Noncurrent loans to loans | 0.9980% | 991 |
| Net loans and leases to total assets | 64.8245% | 1,605 |
| Net loans and leases to deposits | 74.6580% | 1,679 |
| Net loans and leases to core deposits | 80.7066% | 1,542 |
| Total domestic deposits to total assets | 86.8286% | 2,578 |
| Equity capital to assets | 11.6485% | 1,425 |
| Core capital (leverage) ratio | 10.6424% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2127% | 1,453 |
| Memoranda: | ||
| Average total assets | $304,066,400 | 2,418 |
| Average earning assets | $272,933,400 | 2,468 |
| Average equity | $35,466,000 | 2,267 |
| Average total loans | $208,436,200 | 2,185 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 629 |
| Cost of funding earning assets | 0.3718% | 1,920 |
| Net interest margin | 4.1651% | 583 |
| Noninterest income to average assets | 0.5482% | 2,414 |
| Noninterest expense to average assets | 2.5809% | 1,896 |
| Loan and lease loss provision to assets | 0.2934% | 271 |
| Net operating income to assets | 1.4072% | 1,518 |
| Return on assets (ROA) | 1.5163% | 1,284 |
| Pretax return on assets | 1.5276% | 1,913 |
| Return on Equity (ROE) | 12.9958% | 1,693 |
| Retained earnings to average equity (ytd only) | -5.8720% | 4,800 |
| Net charge-offs to loans | 0.2909% | 278 |
| Credit loss provision to net charge-offs | 146.1039% | 1,370 |
| Earnings coverage of net charge-offs (x) | 8.5238% | 2,101 |
| Efficiency ratio | 60.1215% | 2,968 |
| Assets per employee ($millions) | 5.4378% | 3,268 |
| Cash dividends to net income (ytd only)* | 145.1835% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3703% | 351 |
| Loan loss allowance to noncurrent loans | 246.7016% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 995 |
| Noncurrent loans to loans | 0.9608% | 1,197 |
| Net loans and leases to total assets | 61.5368% | 2,071 |
| Net loans and leases to deposits | 70.1957% | 2,220 |
| Net loans and leases to core deposits | 77.1348% | 1,952 |
| Total domestic deposits to total assets | 87.6646% | 2,023 |
| Equity capital to assets | 10.7844% | 2,182 |
| Core capital (leverage) ratio | 10.3718% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4820% | 1,495 |
| Memoranda: | ||
| Average total assets | $306,704,500 | 2,432 |
| Average earning assets | $275,742,750 | 2,476 |
| Average equity | $35,785,000 | 2,285 |
| Average total loans | $211,746,000 | 2,189 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 784 |
| Cost of funding earning assets | 0.3867% | 1,996 |
| Net interest margin | 4.0641% | 741 |
| Noninterest income to average assets | 0.5326% | 2,479 |
| Noninterest expense to average assets | 2.6306% | 1,770 |
| Loan and lease loss provision to assets | 0.2962% | 290 |
| Net operating income to assets | 1.3377% | 1,753 |
| Return on assets (ROA) | 1.3377% | 1,827 |
| Pretax return on assets | 1.3489% | 2,482 |
| Return on Equity (ROE) | 11.1723% | 2,366 |
| Retained earnings to average equity (ytd only) | 7.3786% | 2,298 |
| Net charge-offs to loans | 0.4064% | 207 |
| Credit loss provision to net charge-offs | 102.5057% | 1,347 |
| Earnings coverage of net charge-offs (x) | 5.6925% | 1,985 |
| Efficiency ratio | 61.5242% | 2,796 |
| Assets per employee ($millions) | 5.5166% | 3,107 |
| Cash dividends to net income (ytd only)* | 33.9567% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0983% | 505 |
| Loan loss allowance to noncurrent loans | 233.8517% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7044% | 1,165 |
| Noncurrent loans to loans | 0.8973% | 1,381 |
| Net loans and leases to total assets | 68.1310% | 1,428 |
| Net loans and leases to deposits | 78.7473% | 1,553 |
| Net loans and leases to core deposits | 87.3434% | 1,321 |
| Total domestic deposits to total assets | 86.5185% | 2,543 |
| Equity capital to assets | 11.9611% | 1,381 |
| Core capital (leverage) ratio | 11.1304% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8316% | 1,678 |
| Memoranda: | ||
| Average total assets | $303,808,667 | 2,439 |
| Average earning assets | $279,817,667 | 2,449 |
| Average equity | $36,375,667 | 2,256 |
| Average total loans | $216,063,333 | 2,169 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 1,120 |
| Cost of funding earning assets | 0.4064% | 2,044 |
| Net interest margin | 3.8421% | 1,069 |
| Noninterest income to average assets | 0.5285% | 2,487 |
| Noninterest expense to average assets | 2.5839% | 1,921 |
| Loan and lease loss provision to assets | 0.2988% | 315 |
| Net operating income to assets | 1.1738% | 2,254 |
| Return on assets (ROA) | 1.1738% | 2,323 |
| Pretax return on assets | 1.1857% | 2,884 |
| Return on Equity (ROE) | 9.7983% | 2,758 |
| Retained earnings to average equity (ytd only) | 9.7983% | 1,710 |
| Net charge-offs to loans | 0.2585% | 331 |
| Credit loss provision to net charge-offs | 160.7143% | 961 |
| Earnings coverage of net charge-offs (x) | 7.9857% | 1,595 |
| Efficiency ratio | 63.5117% | 2,529 |
| Assets per employee ($millions) | 5.5439% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0684% | 527 |
| Loan loss allowance to noncurrent loans | 170.5095% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 890 |
| Noncurrent loans to loans | 1.2131% | 1,086 |
| Net loans and leases to total assets | 69.9220% | 1,301 |
| Net loans and leases to deposits | 80.5622% | 1,467 |
| Net loans and leases to core deposits | 88.9617% | 1,291 |
| Total domestic deposits to total assets | 86.7925% | 2,394 |
| Equity capital to assets | 11.7616% | 1,407 |
| Core capital (leverage) ratio | 11.3290% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,249,500 | 2,434 |
| Average earning assets | $277,559,000 | 2,449 |
| Average equity | $36,088,000 | 2,258 |
| Average total loans | $216,602,000 | 2,168 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 785 |
| Cost of funding earning assets | 0.5847% | 2,414 |
| Net interest margin | 4.1778% | 672 |
| Noninterest income to average assets | 0.7159% | 1,807 |
| Noninterest expense to average assets | 2.7747% | 2,013 |
| Loan and lease loss provision to assets | 0.5767% | 364 |
| Net operating income to assets | 1.1850% | 1,597 |
| Return on assets (ROA) | 1.2172% | 1,609 |
| Pretax return on assets | 1.2293% | 2,228 |
| Return on Equity (ROE) | 9.8021% | 2,076 |
| Retained earnings to average equity (ytd only) | 4.9923% | 2,270 |
| Net charge-offs to loans | 0.1344% | 1,203 |
| Credit loss provision to net charge-offs | 563.6678% | 1,156 |
| Earnings coverage of net charge-offs (x) | 17.3356% | 2,080 |
| Efficiency ratio | 61.0026% | 3,311 |
| Assets per employee ($millions) | 5.2150% | 3,132 |
| Cash dividends to net income (ytd only)* | 49.0692% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1273% | 471 |
| Loan loss allowance to noncurrent loans | 86.9061% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.8576% | 327 |
| Noncurrent loans to loans | 2.4478% | 418 |
| Net loans and leases to total assets | 70.8944% | 1,442 |
| Net loans and leases to deposits | 82.1274% | 1,650 |
| Net loans and leases to core deposits | 91.5147% | 1,424 |
| Total domestic deposits to total assets | 86.3224% | 2,223 |
| Equity capital to assets | 12.2110% | 1,475 |
| Core capital (leverage) ratio | 11.3515% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,447,400 | 2,388 |
| Average earning assets | $259,107,400 | 2,409 |
| Average equity | $35,074,200 | 2,231 |
| Average total loans | $215,061,800 | 2,136 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 768 |
| Cost of funding earning assets | 0.6176% | 2,506 |
| Net interest margin | 4.2611% | 638 |
| Noninterest income to average assets | 0.7451% | 1,664 |
| Noninterest expense to average assets | 2.8280% | 1,888 |
| Loan and lease loss provision to assets | 0.5613% | 476 |
| Net operating income to assets | 1.2493% | 1,487 |
| Return on assets (ROA) | 1.2926% | 1,475 |
| Pretax return on assets | 1.3050% | 2,028 |
| Return on Equity (ROE) | 10.3641% | 1,882 |
| Retained earnings to average equity (ytd only) | 7.0201% | 1,680 |
| Net charge-offs to loans | 0.0580% | 1,779 |
| Credit loss provision to net charge-offs | 1,254.2553% | 709 |
| Earnings coverage of net charge-offs (x) | 40.7340% | 1,348 |
| Efficiency ratio | 60.8046% | 3,258 |
| Assets per employee ($millions) | 5.4225% | 2,779 |
| Cash dividends to net income (ytd only)* | 32.2652% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9633% | 530 |
| Loan loss allowance to noncurrent loans | 140.9227% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1192% | 934 |
| Noncurrent loans to loans | 1.3932% | 1,042 |
| Net loans and leases to total assets | 71.0910% | 1,802 |
| Net loans and leases to deposits | 83.1920% | 1,997 |
| Net loans and leases to core deposits | 91.2020% | 1,866 |
| Total domestic deposits to total assets | 85.4541% | 2,266 |
| Equity capital to assets | 11.9925% | 1,682 |
| Core capital (leverage) ratio | 11.1081% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5009% | 1,659 |
| Memoranda: | ||
| Average total assets | $280,049,250 | 2,379 |
| Average earning assets | $256,704,250 | 2,400 |
| Average equity | $34,927,500 | 2,228 |
| Average total loans | $215,942,250 | 2,131 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 921 |
| Cost of funding earning assets | 0.6671% | 2,579 |
| Net interest margin | 4.2670% | 802 |
| Noninterest income to average assets | 0.8665% | 1,245 |
| Noninterest expense to average assets | 2.9658% | 1,671 |
| Loan and lease loss provision to assets | 0.5321% | 646 |
| Net operating income to assets | 1.2687% | 1,443 |
| Return on assets (ROA) | 1.3351% | 1,362 |
| Pretax return on assets | 1.3475% | 1,878 |
| Return on Equity (ROE) | 10.5576% | 1,791 |
| Retained earnings to average equity (ytd only) | 7.0884% | 1,622 |
| Net charge-offs to loans | 0.0676% | 1,569 |
| Credit loss provision to net charge-offs | 998.6301% | 795 |
| Earnings coverage of net charge-offs (x) | 34.0274% | 1,351 |
| Efficiency ratio | 62.0590% | 3,116 |
| Assets per employee ($millions) | 5.4990% | 2,639 |
| Cash dividends to net income (ytd only)* | 32.8595% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 775 |
| Loan loss allowance to noncurrent loans | 145.7983% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 1,218 |
| Noncurrent loans to loans | 1.1850% | 1,322 |
| Net loans and leases to total assets | 71.7821% | 1,754 |
| Net loans and leases to deposits | 83.5741% | 2,036 |
| Net loans and leases to core deposits | 90.8898% | 1,997 |
| Total domestic deposits to total assets | 85.8904% | 2,066 |
| Equity capital to assets | 11.6219% | 1,895 |
| Core capital (leverage) ratio | 11.2198% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0153% | 1,811 |
| Memoranda: | ||
| Average total assets | $273,987,000 | 2,385 |
| Average earning assets | $251,232,000 | 2,410 |
| Average equity | $34,648,000 | 2,226 |
| Average total loans | $215,834,667 | 2,121 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 610 |
| Cost of funding earning assets | 0.7504% | 2,665 |
| Net interest margin | 4.4921% | 510 |
| Noninterest income to average assets | 1.0641% | 752 |
| Noninterest expense to average assets | 3.2369% | 1,347 |
| Loan and lease loss provision to assets | 0.4620% | 645 |
| Net operating income to assets | 1.4537% | 872 |
| Return on assets (ROA) | 1.5923% | 700 |
| Pretax return on assets | 1.6061% | 1,037 |
| Return on Equity (ROE) | 12.0243% | 1,099 |
| Retained earnings to average equity (ytd only) | 12.0243% | 427 |
| Net charge-offs to loans | 0.0675% | 1,352 |
| Credit loss provision to net charge-offs | 833.3333% | 645 |
| Earnings coverage of net charge-offs (x) | 34.8056% | 1,095 |
| Efficiency ratio | 62.6528% | 3,419 |
| Assets per employee ($millions) | 4.8319% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 1,002 |
| Loan loss allowance to noncurrent loans | 145.4352% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 1,149 |
| Noncurrent loans to loans | 1.1181% | 1,480 |
| Net loans and leases to total assets | 79.4103% | 768 |
| Net loans and leases to deposits | 93.4638% | 1,128 |
| Net loans and leases to core deposits | 102.0268% | 1,319 |
| Total domestic deposits to total assets | 84.9637% | 2,426 |
| Equity capital to assets | 13.3822% | 1,267 |
| Core capital (leverage) ratio | 12.6257% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8436% | 1,646 |
| Memoranda: | ||
| Average total assets | $259,757,500 | 2,435 |
| Average earning assets | $237,215,500 | 2,460 |
| Average equity | $34,397,000 | 2,227 |
| Average total loans | $213,292,500 | 2,098 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 656 |
| Cost of funding earning assets | 0.6338% | 3,493 |
| Net interest margin | 4.7755% | 414 |
| Noninterest income to average assets | 1.3176% | 547 |
| Noninterest expense to average assets | 3.5165% | 945 |
| Loan and lease loss provision to assets | 0.3521% | 433 |
| Net operating income to assets | 1.7800% | 544 |
| Return on assets (ROA) | 1.8250% | 523 |
| Pretax return on assets | 1.8387% | 860 |
| Return on Equity (ROE) | 14.2031% | 862 |
| Retained earnings to average equity (ytd only) | 7.7181% | 1,074 |
| Net charge-offs to loans | 0.2143% | 956 |
| Credit loss provision to net charge-offs | 201.3423% | 1,319 |
| Earnings coverage of net charge-offs (x) | 12.2707% | 2,423 |
| Efficiency ratio | 62.1045% | 3,363 |
| Assets per employee ($millions) | 4.6177% | 3,063 |
| Cash dividends to net income (ytd only)* | 45.6592% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,332 |
| Loan loss allowance to noncurrent loans | 153.3981% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 1,226 |
| Noncurrent loans to loans | 0.9539% | 1,605 |
| Net loans and leases to total assets | 82.2919% | 521 |
| Net loans and leases to deposits | 98.7233% | 700 |
| Net loans and leases to core deposits | 106.7994% | 1,063 |
| Total domestic deposits to total assets | 83.3561% | 3,082 |
| Equity capital to assets | 13.1005% | 1,460 |
| Core capital (leverage) ratio | 12.2461% | 1,631 |
| Tier 1 risk-based capital ratio | 13.6254% | 3,447 |
| Total risk-based capital ratio | 14.8765% | 3,359 |
| Memoranda: | ||
| Average total assets | $255,620,400 | 2,421 |
| Average earning assets | $232,564,000 | 2,455 |
| Average equity | $32,845,000 | 2,247 |
| Average total loans | $208,624,000 | 2,097 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 734 |
| Cost of funding earning assets | 0.6033% | 3,685 |
| Net interest margin | 4.7727% | 436 |
| Noninterest income to average assets | 1.3496% | 513 |
| Noninterest expense to average assets | 3.5007% | 949 |
| Loan and lease loss provision to assets | 0.3531% | 382 |
| Net operating income to assets | 1.8231% | 585 |
| Return on assets (ROA) | 1.8832% | 535 |
| Pretax return on assets | 1.8968% | 872 |
| Return on Equity (ROE) | 14.7294% | 840 |
| Retained earnings to average equity (ytd only) | 9.7173% | 825 |
| Net charge-offs to loans | 0.2186% | 813 |
| Credit loss provision to net charge-offs | 199.1150% | 1,318 |
| Earnings coverage of net charge-offs (x) | 12.3480% | 2,365 |
| Efficiency ratio | 61.5187% | 3,402 |
| Assets per employee ($millions) | 4.4759% | 3,248 |
| Cash dividends to net income (ytd only)* | 34.0277% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,379 |
| Loan loss allowance to noncurrent loans | 111.9118% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 978 |
| Noncurrent loans to loans | 1.3003% | 1,188 |
| Net loans and leases to total assets | 79.4058% | 930 |
| Net loans and leases to deposits | 93.0486% | 1,316 |
| Net loans and leases to core deposits | 100.0553% | 1,650 |
| Total domestic deposits to total assets | 85.3379% | 2,280 |
| Equity capital to assets | 12.9887% | 1,635 |
| Core capital (leverage) ratio | 12.3339% | 1,668 |
| Tier 1 risk-based capital ratio | 14.0627% | 3,294 |
| Total risk-based capital ratio | 15.3141% | 3,203 |
| Memoranda: | ||
| Average total assets | $254,877,250 | 2,446 |
| Average earning assets | $231,811,000 | 2,483 |
| Average equity | $32,587,000 | 2,277 |
| Average total loans | $206,789,750 | 2,130 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 686 |
| Cost of funding earning assets | 0.5558% | 3,858 |
| Net interest margin | 4.8408% | 380 |
| Noninterest income to average assets | 1.3628% | 473 |
| Noninterest expense to average assets | 3.4836% | 980 |
| Loan and lease loss provision to assets | 0.3553% | 363 |
| Net operating income to assets | 1.9115% | 465 |
| Return on assets (ROA) | 2.0024% | 408 |
| Pretax return on assets | 2.0158% | 661 |
| Return on Equity (ROE) | 15.7468% | 631 |
| Retained earnings to average equity (ytd only) | 10.4813% | 639 |
| Net charge-offs to loans | 0.0680% | 1,684 |
| Credit loss provision to net charge-offs | 642.8571% | 497 |
| Earnings coverage of net charge-offs (x) | 41.2571% | 1,227 |
| Efficiency ratio | 60.4384% | 3,659 |
| Assets per employee ($millions) | 4.6108% | 2,992 |
| Cash dividends to net income (ytd only)* | 33.4385% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,291 |
| Loan loss allowance to noncurrent loans | 131.8667% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 1,419 |
| Noncurrent loans to loans | 1.1355% | 1,433 |
| Net loans and leases to total assets | 78.6527% | 1,096 |
| Net loans and leases to deposits | 91.8106% | 1,510 |
| Net loans and leases to core deposits | 98.0452% | 1,885 |
| Total domestic deposits to total assets | 85.6684% | 2,190 |
| Equity capital to assets | 12.7882% | 1,692 |
| Core capital (leverage) ratio | 12.1436% | 1,729 |
| Tier 1 risk-based capital ratio | 14.0492% | 3,296 |
| Total risk-based capital ratio | 15.3007% | 3,210 |
| Memoranda: | ||
| Average total assets | $253,302,330 | 2,468 |
| Average earning assets | $230,291,670 | 2,498 |
| Average equity | $32,209,670 | 2,288 |
| Average total loans | $205,992,000 | 2,144 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 753 |
| Cost of funding earning assets | 0.5028% | 4,046 |
| Net interest margin | 4.8012% | 411 |
| Noninterest income to average assets | 1.3697% | 455 |
| Noninterest expense to average assets | 3.4762% | 997 |
| Loan and lease loss provision to assets | 0.3588% | 330 |
| Net operating income to assets | 1.8752% | 481 |
| Return on assets (ROA) | 1.8752% | 497 |
| Pretax return on assets | 1.8896% | 811 |
| Return on Equity (ROE) | 14.7904% | 793 |
| Retained earnings to average equity (ytd only) | 14.7904% | 290 |
| Net charge-offs to loans | 0.0680% | 1,373 |
| Credit loss provision to net charge-offs | 642.8571% | 516 |
| Earnings coverage of net charge-offs (x) | 40.2857% | 1,149 |
| Efficiency ratio | 60.7242% | 3,714 |
| Assets per employee ($millions) | 4.9745% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,669 |
| Loan loss allowance to noncurrent loans | 190.4074% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 2,002 |
| Noncurrent loans to loans | 0.7368% | 2,182 |
| Net loans and leases to total assets | 80.2844% | 799 |
| Net loans and leases to deposits | 93.5999% | 1,219 |
| Net loans and leases to core deposits | 99.3774% | 1,675 |
| Total domestic deposits to total assets | 85.7740% | 2,374 |
| Equity capital to assets | 12.7794% | 1,577 |
| Core capital (leverage) ratio | 12.0912% | 1,717 |
| Tier 1 risk-based capital ratio | 13.8014% | 3,449 |
| Total risk-based capital ratio | 15.0521% | 3,359 |
| Memoranda: | ||
| Average total assets | $250,850,500 | 2,502 |
| Average earning assets | $227,528,000 | 2,536 |
| Average equity | $31,804,500 | 2,309 |
| Average total loans | $205,901,500 | 2,169 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 691 |
| Cost of funding earning assets | 0.3715% | 4,146 |
| Net interest margin | 4.8364% | 364 |
| Noninterest income to average assets | 1.1888% | 650 |
| Noninterest expense to average assets | 3.4198% | 1,118 |
| Loan and lease loss provision to assets | 0.3493% | 440 |
| Net operating income to assets | 1.7908% | 558 |
| Return on assets (ROA) | 1.7908% | 556 |
| Pretax return on assets | 1.7908% | 946 |
| Return on Equity (ROE) | 14.4631% | 946 |
| Retained earnings to average equity (ytd only) | 7.7991% | 1,330 |
| Net charge-offs to loans | 0.4331% | 423 |
| Credit loss provision to net charge-offs | 102.2864% | 2,470 |
| Earnings coverage of net charge-offs (x) | 6.2671% | 3,105 |
| Efficiency ratio | 61.5078% | 3,626 |
| Assets per employee ($millions) | 4.8628% | 2,663 |
| Cash dividends to net income (ytd only)* | 46.0762% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,949 |
| Loan loss allowance to noncurrent loans | 329.0401% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 2,813 |
| Noncurrent loans to loans | 0.4010% | 3,091 |
| Net loans and leases to total assets | 81.6591% | 704 |
| Net loans and leases to deposits | 94.9069% | 1,181 |
| Net loans and leases to core deposits | 100.3329% | 1,697 |
| Total domestic deposits to total assets | 86.0413% | 2,209 |
| Equity capital to assets | 12.5757% | 1,545 |
| Core capital (leverage) ratio | 11.8297% | 1,848 |
| Tier 1 risk-based capital ratio | 13.3563% | 3,627 |
| Total risk-based capital ratio | 14.6004% | 3,522 |
| Memoranda: | ||
| Average total assets | $243,348,400 | 2,522 |
| Average earning assets | $219,938,400 | 2,566 |
| Average equity | $30,131,800 | 2,327 |
| Average total loans | $191,888,800 | 2,234 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 787 |
| Cost of funding earning assets | 0.3417% | 4,239 |
| Net interest margin | 4.7424% | 430 |
| Noninterest income to average assets | 1.1148% | 756 |
| Noninterest expense to average assets | 3.3059% | 1,289 |
| Loan and lease loss provision to assets | 0.3854% | 330 |
| Net operating income to assets | 1.6956% | 755 |
| Return on assets (ROA) | 1.6956% | 754 |
| Pretax return on assets | 1.7099% | 1,259 |
| Return on Equity (ROE) | 13.7491% | 1,186 |
| Retained earnings to average equity (ytd only) | 9.2093% | 1,149 |
| Net charge-offs to loans | 0.5855% | 255 |
| Credit loss provision to net charge-offs | 84.5411% | 2,475 |
| Earnings coverage of net charge-offs (x) | 4.5966% | 3,040 |
| Efficiency ratio | 61.2068% | 3,633 |
| Assets per employee ($millions) | 4.2964% | 3,423 |
| Cash dividends to net income (ytd only)* | 33.0196% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,041 |
| Loan loss allowance to noncurrent loans | 179.0909% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 2,107 |
| Noncurrent loans to loans | 0.7332% | 2,245 |
| Net loans and leases to total assets | 77.2383% | 1,459 |
| Net loans and leases to deposits | 89.6828% | 1,942 |
| Net loans and leases to core deposits | 94.6664% | 2,236 |
| Total domestic deposits to total assets | 86.1239% | 2,130 |
| Equity capital to assets | 12.3889% | 1,650 |
| Core capital (leverage) ratio | 11.8015% | 1,913 |
| Tier 1 risk-based capital ratio | 13.8900% | 3,425 |
| Total risk-based capital ratio | 15.1259% | 3,338 |
| Memoranda: | ||
| Average total assets | $242,184,750 | 2,538 |
| Average earning assets | $218,897,000 | 2,585 |
| Average equity | $29,867,750 | 2,345 |
| Average total loans | $188,554,750 | 2,267 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 821 |
| Cost of funding earning assets | 0.3099% | 4,353 |
| Net interest margin | 4.6905% | 449 |
| Noninterest income to average assets | 1.0990% | 800 |
| Noninterest expense to average assets | 3.4238% | 1,105 |
| Loan and lease loss provision to assets | 0.4586% | 255 |
| Net operating income to assets | 1.4434% | 1,300 |
| Return on assets (ROA) | 1.4434% | 1,304 |
| Pretax return on assets | 1.4576% | 1,964 |
| Return on Equity (ROE) | 11.7225% | 1,832 |
| Retained earnings to average equity (ytd only) | 7.7134% | 1,748 |
| Net charge-offs to loans | 0.6781% | 213 |
| Credit loss provision to net charge-offs | 87.0253% | 2,193 |
| Earnings coverage of net charge-offs (x) | 3.6361% | 2,860 |
| Efficiency ratio | 64.1162% | 3,300 |
| Assets per employee ($millions) | 4.2011% | 3,580 |
| Cash dividends to net income (ytd only)* | 34.1999% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,773 |
| Loan loss allowance to noncurrent loans | 181.9832% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 2,072 |
| Noncurrent loans to loans | 0.7658% | 2,206 |
| Net loans and leases to total assets | 75.6708% | 1,687 |
| Net loans and leases to deposits | 87.6992% | 2,145 |
| Net loans and leases to core deposits | 92.7877% | 2,326 |
| Total domestic deposits to total assets | 86.2845% | 2,151 |
| Equity capital to assets | 12.3029% | 1,662 |
| Core capital (leverage) ratio | 11.7275% | 1,891 |
| Tier 1 risk-based capital ratio | 13.9066% | 3,400 |
| Total risk-based capital ratio | 15.1570% | 3,319 |
| Memoranda: | ||
| Average total assets | $239,849,330 | 2,563 |
| Average earning assets | $216,864,330 | 2,612 |
| Average equity | $29,533,000 | 2,380 |
| Average total loans | $186,395,670 | 2,297 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 821 |
| Cost of funding earning assets | 0.2956% | 4,384 |
| Net interest margin | 4.6330% | 467 |
| Noninterest income to average assets | 1.1902% | 645 |
| Noninterest expense to average assets | 3.5202% | 967 |
| Loan and lease loss provision to assets | 0.4203% | 261 |
| Net operating income to assets | 1.4239% | 1,275 |
| Return on assets (ROA) | 1.4239% | 1,281 |
| Pretax return on assets | 1.4390% | 1,866 |
| Return on Equity (ROE) | 11.5590% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.5590% | 777 |
| Net charge-offs to loans | 0.5481% | 275 |
| Credit loss provision to net charge-offs | 98.0392% | 1,613 |
| Earnings coverage of net charge-offs (x) | 4.3373% | 2,312 |
| Efficiency ratio | 65.4375% | 3,259 |
| Assets per employee ($millions) | 4.2392% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,708 |
| Loan loss allowance to noncurrent loans | 118.8220% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 1,603 |
| Noncurrent loans to loans | 1.2074% | 1,502 |
| Net loans and leases to total assets | 76.2818% | 1,494 |
| Net loans and leases to deposits | 88.3565% | 1,890 |
| Net loans and leases to core deposits | 92.4176% | 2,266 |
| Total domestic deposits to total assets | 86.3340% | 2,389 |
| Equity capital to assets | 12.2908% | 1,608 |
| Core capital (leverage) ratio | 11.8265% | 1,761 |
| Tier 1 risk-based capital ratio | 13.2164% | 3,838 |
| Total risk-based capital ratio | 14.4666% | 3,731 |
| Memoranda: | ||
| Average total assets | $237,941,000 | 2,603 |
| Average earning assets | $215,153,000 | 2,643 |
| Average equity | $29,310,500 | 2,416 |
| Average total loans | $186,098,500 | 2,314 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 656 |
| Cost of funding earning assets | 0.2656% | 4,430 |
| Net interest margin | 4.7252% | 401 |
| Noninterest income to average assets | 0.9920% | 1,038 |
| Noninterest expense to average assets | 3.5089% | 1,016 |
| Loan and lease loss provision to assets | 0.3937% | 378 |
| Net operating income to assets | 1.3310% | 1,161 |
| Return on assets (ROA) | 1.3310% | 1,178 |
| Pretax return on assets | 1.3310% | 2,243 |
| Return on Equity (ROE) | 10.6821% | 1,595 |
| Retained earnings to average equity (ytd only) | 5.0515% | 2,090 |
| Net charge-offs to loans | 0.3143% | 806 |
| Credit loss provision to net charge-offs | 157.8947% | 1,691 |
| Earnings coverage of net charge-offs (x) | 6.9175% | 3,120 |
| Efficiency ratio | 67.0455% | 3,071 |
| Assets per employee ($millions) | 4.1096% | 3,796 |
| Cash dividends to net income (ytd only)* | 52.7111% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,576 |
| Loan loss allowance to noncurrent loans | 167.7903% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,139 |
| Noncurrent loans to loans | 0.8651% | 2,064 |
| Net loans and leases to total assets | 77.9103% | 1,299 |
| Net loans and leases to deposits | 90.3139% | 1,740 |
| Net loans and leases to core deposits | 94.2247% | 2,173 |
| Total domestic deposits to total assets | 86.2661% | 2,326 |
| Equity capital to assets | 12.3469% | 1,613 |
| Core capital (leverage) ratio | 11.5639% | 1,897 |
| Tier 1 risk-based capital ratio | 13.3749% | 3,704 |
| Total risk-based capital ratio | 14.6263% | 3,612 |
| Memoranda: | ||
| Average total assets | $228,619,400 | 2,645 |
| Average earning assets | $205,217,200 | 2,719 |
| Average equity | $28,486,800 | 2,463 |
| Average total loans | $181,329,000 | 2,313 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 653 |
| Cost of funding earning assets | 0.2558% | 4,513 |
| Net interest margin | 4.7119% | 398 |
| Noninterest income to average assets | 0.9588% | 1,122 |
| Noninterest expense to average assets | 3.4827% | 1,023 |
| Loan and lease loss provision to assets | 0.3961% | 343 |
| Net operating income to assets | 1.2980% | 1,343 |
| Return on assets (ROA) | 1.2980% | 1,377 |
| Pretax return on assets | 1.3062% | 2,453 |
| Return on Equity (ROE) | 10.3928% | 1,952 |
| Retained earnings to average equity (ytd only) | 6.6388% | 1,885 |
| Net charge-offs to loans | 0.3844% | 552 |
| Credit loss provision to net charge-offs | 129.8077% | 1,892 |
| Earnings coverage of net charge-offs (x) | 5.5788% | 3,088 |
| Efficiency ratio | 67.1684% | 3,020 |
| Assets per employee ($millions) | 3.9548% | 4,067 |
| Cash dividends to net income (ytd only)* | 36.1213% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,983 |
| Loan loss allowance to noncurrent loans | 248.3202% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 2,902 |
| Noncurrent loans to loans | 0.5553% | 3,031 |
| Net loans and leases to total assets | 78.3530% | 1,220 |
| Net loans and leases to deposits | 91.2769% | 1,654 |
| Net loans and leases to core deposits | 95.9685% | 2,078 |
| Total domestic deposits to total assets | 85.8410% | 2,373 |
| Equity capital to assets | 12.6698% | 1,567 |
| Core capital (leverage) ratio | 11.7899% | 1,827 |
| Tier 1 risk-based capital ratio | 14.3800% | 3,251 |
| Total risk-based capital ratio | 15.6313% | 3,165 |
| Memoranda: | ||
| Average total assets | $227,213,000 | 2,684 |
| Average earning assets | $203,789,250 | 2,751 |
| Average equity | $28,378,000 | 2,487 |
| Average total loans | $180,364,000 | 2,330 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 650 |
| Cost of funding earning assets | 0.2524% | 4,521 |
| Net interest margin | 4.6774% | 408 |
| Noninterest income to average assets | 0.8857% | 1,315 |
| Noninterest expense to average assets | 3.3564% | 1,261 |
| Loan and lease loss provision to assets | 0.3974% | 337 |
| Net operating income to assets | 1.3157% | 1,267 |
| Return on assets (ROA) | 1.3157% | 1,289 |
| Pretax return on assets | 1.3210% | 2,306 |
| Return on Equity (ROE) | 10.5861% | 1,802 |
| Retained earnings to average equity (ytd only) | 6.7140% | 1,734 |
| Net charge-offs to loans | 0.4162% | 487 |
| Credit loss provision to net charge-offs | 120.3209% | 1,772 |
| Earnings coverage of net charge-offs (x) | 5.2032% | 2,850 |
| Efficiency ratio | 66.1389% | 3,326 |
| Assets per employee ($millions) | 4.1498% | 3,718 |
| Cash dividends to net income (ytd only)* | 36.5772% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 2,149 |
| Loan loss allowance to noncurrent loans | 146.7149% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 2,134 |
| Noncurrent loans to loans | 0.9236% | 2,124 |
| Net loans and leases to total assets | 76.2460% | 1,508 |
| Net loans and leases to deposits | 88.3704% | 1,941 |
| Net loans and leases to core deposits | 92.3196% | 2,313 |
| Total domestic deposits to total assets | 86.2800% | 2,253 |
| Equity capital to assets | 12.2996% | 1,732 |
| Core capital (leverage) ratio | 11.5871% | 1,911 |
| Tier 1 risk-based capital ratio | 14.4197% | 3,207 |
| Total risk-based capital ratio | 15.6711% | 3,136 |
| Memoranda: | ||
| Average total assets | $226,490,330 | 2,711 |
| Average earning assets | $202,848,330 | 2,780 |
| Average equity | $28,150,000 | 2,496 |
| Average total loans | $179,738,670 | 2,341 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 486 |
| Cost of funding earning assets | 0.2505% | 4,530 |
| Net interest margin | 4.7922% | 317 |
| Noninterest income to average assets | 0.9269% | 1,173 |
| Noninterest expense to average assets | 3.3587% | 1,274 |
| Loan and lease loss provision to assets | 0.4026% | 278 |
| Net operating income to assets | 1.4279% | 943 |
| Return on assets (ROA) | 1.4279% | 968 |
| Pretax return on assets | 1.4440% | 1,719 |
| Return on Equity (ROE) | 11.4271% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.4271% | 541 |
| Net charge-offs to loans | 0.0801% | 1,534 |
| Credit loss provision to net charge-offs | 625.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,248 |
| Efficiency ratio | 64.5239% | 3,751 |
| Assets per employee ($millions) | 4.0546% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 2,076 |
| Loan loss allowance to noncurrent loans | 116.4077% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 1,641 |
| Noncurrent loans to loans | 1.2027% | 1,682 |
| Net loans and leases to total assets | 78.9999% | 984 |
| Net loans and leases to deposits | 91.6783% | 1,361 |
| Net loans and leases to core deposits | 95.3427% | 1,863 |
| Total domestic deposits to total assets | 86.1708% | 2,597 |
| Equity capital to assets | 12.4793% | 1,554 |
| Core capital (leverage) ratio | 11.7546% | 1,785 |
| Tier 1 risk-based capital ratio | 13.5231% | 3,768 |
| Total risk-based capital ratio | 14.7738% | 3,673 |
| Memoranda: | ||
| Average total assets | $223,540,500 | 2,761 |
| Average earning assets | $199,576,000 | 2,833 |
| Average equity | $27,933,500 | 2,523 |
| Average total loans | $179,797,000 | 2,364 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 534 |
| Cost of funding earning assets | 0.2411% | 4,645 |
| Net interest margin | 4.8211% | 335 |
| Noninterest income to average assets | 1.3295% | 644 |
| Noninterest expense to average assets | 3.4114% | 1,329 |
| Loan and lease loss provision to assets | 1.1503% | 85 |
| Net operating income to assets | 1.0796% | 1,987 |
| Return on assets (ROA) | 1.0796% | 2,088 |
| Pretax return on assets | 1.0796% | 3,179 |
| Return on Equity (ROE) | 9.0249% | 2,404 |
| Retained earnings to average equity (ytd only) | 6.3859% | 1,506 |
| Net charge-offs to loans | 1.1894% | 142 |
| Credit loss provision to net charge-offs | 122.6066% | 2,173 |
| Earnings coverage of net charge-offs (x) | 2.3768% | 3,842 |
| Efficiency ratio | 60.4713% | 4,509 |
| Assets per employee ($millions) | 4.0005% | 3,966 |
| Cash dividends to net income (ytd only)* | 29.2422% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,393 |
| Loan loss allowance to noncurrent loans | 99.7462% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 1,386 |
| Noncurrent loans to loans | 1.3305% | 1,547 |
| Net loans and leases to total assets | 79.6796% | 939 |
| Net loans and leases to deposits | 93.3858% | 1,261 |
| Net loans and leases to core deposits | 96.7421% | 1,860 |
| Total domestic deposits to total assets | 85.3230% | 2,913 |
| Equity capital to assets | 12.5131% | 1,521 |
| Core capital (leverage) ratio | 11.3386% | 2,048 |
| Tier 1 risk-based capital ratio | 13.8830% | 3,530 |
| Total risk-based capital ratio | 15.1334% | 3,447 |
| Memoranda: | ||
| Average total assets | $224,894,400 | 2,714 |
| Average earning assets | $201,138,200 | 2,774 |
| Average equity | $26,903,200 | 2,576 |
| Average total loans | $177,397,400 | 2,340 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 546 |
| Cost of funding earning assets | 0.2397% | 4,709 |
| Net interest margin | 4.8083% | 358 |
| Noninterest income to average assets | 1.4612% | 563 |
| Noninterest expense to average assets | 3.3847% | 1,372 |
| Loan and lease loss provision to assets | 1.3014% | 69 |
| Net operating income to assets | 1.0661% | 2,139 |
| Return on assets (ROA) | 1.0661% | 2,245 |
| Pretax return on assets | 1.0814% | 3,308 |
| Return on Equity (ROE) | 9.0130% | 2,478 |
| Retained earnings to average equity (ytd only) | 6.6401% | 1,825 |
| Net charge-offs to loans | 1.4519% | 93 |
| Credit loss provision to net charge-offs | 114.2931% | 2,170 |
| Earnings coverage of net charge-offs (x) | 2.0927% | 3,620 |
| Efficiency ratio | 58.6852% | 4,723 |
| Assets per employee ($millions) | 3.9993% | 3,968 |
| Cash dividends to net income (ytd only)* | 26.3274% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 3,268 |
| Loan loss allowance to noncurrent loans | 102.6166% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 1,979 |
| Noncurrent loans to loans | 1.1649% | 1,928 |
| Net loans and leases to total assets | 79.6056% | 944 |
| Net loans and leases to deposits | 95.6613% | 1,081 |
| Net loans and leases to core deposits | 98.7411% | 1,748 |
| Total domestic deposits to total assets | 83.2160% | 3,508 |
| Equity capital to assets | 12.2452% | 1,944 |
| Core capital (leverage) ratio | 11.3870% | 2,120 |
| Tier 1 risk-based capital ratio | 13.6908% | 3,751 |
| Total risk-based capital ratio | 14.8583% | 3,707 |
| Memoranda: | ||
| Average total assets | $226,111,750 | 2,712 |
| Average earning assets | $202,504,500 | 2,775 |
| Average equity | $26,746,000 | 2,605 |
| Average total loans | $177,328,500 | 2,342 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 496 |
| Cost of funding earning assets | 0.2432% | 4,725 |
| Net interest margin | 4.8515% | 339 |
| Noninterest income to average assets | 1.1612% | 830 |
| Noninterest expense to average assets | 3.3029% | 1,588 |
| Loan and lease loss provision to assets | 1.1639% | 85 |
| Net operating income to assets | 1.0246% | 2,278 |
| Return on assets (ROA) | 1.0246% | 2,414 |
| Pretax return on assets | 1.0395% | 3,435 |
| Return on Equity (ROE) | 8.7632% | 2,601 |
| Retained earnings to average equity (ytd only) | 7.1493% | 1,530 |
| Net charge-offs to loans | 1.1957% | 144 |
| Credit loss provision to net charge-offs | 125.2372% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.3710% | 3,286 |
| Efficiency ratio | 59.9840% | 4,645 |
| Assets per employee ($millions) | 3.8112% | 4,246 |
| Cash dividends to net income (ytd only)* | 18.4165% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 3,291 |
| Loan loss allowance to noncurrent loans | 55.0513% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.8100% | 951 |
| Noncurrent loans to loans | 2.2011% | 857 |
| Net loans and leases to total assets | 77.8431% | 1,224 |
| Net loans and leases to deposits | 89.7727% | 1,782 |
| Net loans and leases to core deposits | 92.9244% | 2,265 |
| Total domestic deposits to total assets | 86.7113% | 2,055 |
| Equity capital to assets | 12.0217% | 2,111 |
| Core capital (leverage) ratio | 10.9582% | 2,476 |
| Tier 1 risk-based capital ratio | 13.8082% | 3,718 |
| Total risk-based capital ratio | 14.9987% | 3,666 |
| Memoranda: | ||
| Average total assets | $226,829,670 | 2,714 |
| Average earning assets | $203,153,670 | 2,774 |
| Average equity | $26,520,000 | 2,629 |
| Average total loans | $176,291,330 | 2,350 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 931 |
| Cost of funding earning assets | 0.2435% | 4,768 |
| Net interest margin | 4.5138% | 591 |
| Noninterest income to average assets | 1.3818% | 584 |
| Noninterest expense to average assets | 3.3308% | 1,527 |
| Loan and lease loss provision to assets | 1.0886% | 85 |
| Net operating income to assets | 0.9833% | 2,356 |
| Return on assets (ROA) | 0.9833% | 2,471 |
| Pretax return on assets | 0.9991% | 3,483 |
| Return on Equity (ROE) | 8.5288% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.5288% | 1,253 |
| Net charge-offs to loans | 1.6378% | 100 |
| Credit loss provision to net charge-offs | 86.1111% | 1,794 |
| Earnings coverage of net charge-offs (x) | 1.6514% | 2,786 |
| Efficiency ratio | 61.4712% | 4,531 |
| Assets per employee ($millions) | 3.8367% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,569 |
| Loan loss allowance to noncurrent loans | 47.9537% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6998% | 1,140 |
| Noncurrent loans to loans | 2.0983% | 1,002 |
| Net loans and leases to total assets | 76.1164% | 1,377 |
| Net loans and leases to deposits | 87.2273% | 1,913 |
| Net loans and leases to core deposits | 90.1501% | 2,360 |
| Total domestic deposits to total assets | 87.2622% | 2,069 |
| Equity capital to assets | 11.5606% | 2,384 |
| Core capital (leverage) ratio | 10.7110% | 2,713 |
| Tier 1 risk-based capital ratio | 13.8988% | 3,757 |
| Total risk-based capital ratio | 14.9249% | 3,811 |
| Memoranda: | ||
| Average total assets | $227,814,500 | 2,713 |
| Average earning assets | $203,729,000 | 2,779 |
| Average equity | $26,264,000 | 2,642 |
| Average total loans | $175,844,500 | 2,356 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 876 |
| Cost of funding earning assets | 0.2202% | 5,093 |
| Net interest margin | 4.6100% | 538 |
| Noninterest income to average assets | 1.1371% | 912 |
| Noninterest expense to average assets | 3.3854% | 1,513 |
| Loan and lease loss provision to assets | 0.4082% | 326 |
| Net operating income to assets | 1.4574% | 936 |
| Return on assets (ROA) | 1.4574% | 964 |
| Pretax return on assets | 1.4574% | 1,689 |
| Return on Equity (ROE) | 13.0888% | 1,042 |
| Retained earnings to average equity (ytd only) | 9.8015% | 490 |
| Net charge-offs to loans | 0.2082% | 1,416 |
| Credit loss provision to net charge-offs | 259.2593% | 1,112 |
| Earnings coverage of net charge-offs (x) | 11.8490% | 2,521 |
| Efficiency ratio | 64.4712% | 4,173 |
| Assets per employee ($millions) | 3.6955% | 4,484 |
| Cash dividends to net income (ytd only)* | 25.1154% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 4,169 |
| Loan loss allowance to noncurrent loans | 141.6416% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 3,236 |
| Noncurrent loans to loans | 0.7602% | 2,900 |
| Net loans and leases to total assets | 76.6570% | 1,311 |
| Net loans and leases to deposits | 87.7712% | 1,905 |
| Net loans and leases to core deposits | 90.5904% | 2,358 |
| Total domestic deposits to total assets | 87.3373% | 1,963 |
| Equity capital to assets | 11.4961% | 2,366 |
| Core capital (leverage) ratio | 10.7784% | 2,624 |
| Tier 1 risk-based capital ratio | 13.9411% | 3,744 |
| Total risk-based capital ratio | 15.0540% | 3,750 |
| Memoranda: | ||
| Average total assets | $222,927,000 | 2,725 |
| Average earning assets | $198,935,400 | 2,791 |
| Average equity | $24,822,800 | 2,708 |
| Average total loans | $168,570,200 | 2,368 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 907 |
| Cost of funding earning assets | 0.2257% | 5,124 |
| Net interest margin | 4.5918% | 556 |
| Noninterest income to average assets | 1.1312% | 940 |
| Noninterest expense to average assets | 3.3659% | 1,544 |
| Loan and lease loss provision to assets | 0.2927% | 509 |
| Net operating income to assets | 1.5576% | 835 |
| Return on assets (ROA) | 1.5576% | 879 |
| Pretax return on assets | 1.5732% | 1,462 |
| Return on Equity (ROE) | 14.1043% | 877 |
| Retained earnings to average equity (ytd only) | 11.1824% | 449 |
| Net charge-offs to loans | 0.1644% | 1,509 |
| Credit loss provision to net charge-offs | 236.8932% | 1,182 |
| Earnings coverage of net charge-offs (x) | 15.1019% | 2,204 |
| Efficiency ratio | 64.3357% | 4,187 |
| Assets per employee ($millions) | 3.6069% | 4,594 |
| Cash dividends to net income (ytd only)* | 20.7163% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 5,017 |
| Loan loss allowance to noncurrent loans | 197.2940% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 4,202 |
| Noncurrent loans to loans | 0.4769% | 3,932 |
| Net loans and leases to total assets | 76.7547% | 1,283 |
| Net loans and leases to deposits | 91.9735% | 1,408 |
| Net loans and leases to core deposits | 94.7619% | 2,005 |
| Total domestic deposits to total assets | 83.4531% | 3,628 |
| Equity capital to assets | 11.6342% | 2,390 |
| Core capital (leverage) ratio | 10.6574% | 2,870 |
| Tier 1 risk-based capital ratio | 14.0732% | 3,811 |
| Total risk-based capital ratio | 15.0461% | 3,907 |
| Memoranda: | ||
| Average total assets | $222,302,500 | 2,755 |
| Average earning assets | $198,521,250 | 2,817 |
| Average equity | $24,549,750 | 2,748 |
| Average total loans | $167,041,500 | 2,398 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 905 |
| Cost of funding earning assets | 0.2293% | 5,155 |
| Net interest margin | 4.5622% | 563 |
| Noninterest income to average assets | 1.0876% | 1,015 |
| Noninterest expense to average assets | 3.3103% | 1,671 |
| Loan and lease loss provision to assets | 0.3031% | 507 |
| Net operating income to assets | 1.5269% | 860 |
| Return on assets (ROA) | 1.5269% | 902 |
| Pretax return on assets | 1.5422% | 1,517 |
| Return on Equity (ROE) | 14.0742% | 884 |
| Retained earnings to average equity (ytd only) | 11.8428% | 409 |
| Net charge-offs to loans | 0.1423% | 1,646 |
| Credit loss provision to net charge-offs | 286.4407% | 956 |
| Earnings coverage of net charge-offs (x) | 17.4407% | 1,857 |
| Efficiency ratio | 64.2087% | 4,320 |
| Assets per employee ($millions) | 3.6978% | 4,430 |
| Cash dividends to net income (ytd only)* | 15.8544% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 5,178 |
| Loan loss allowance to noncurrent loans | 190.9204% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 4,446 |
| Noncurrent loans to loans | 0.4869% | 4,017 |
| Net loans and leases to total assets | 73.7378% | 1,704 |
| Net loans and leases to deposits | 85.2242% | 2,143 |
| Net loans and leases to core deposits | 88.7321% | 2,480 |
| Total domestic deposits to total assets | 86.5220% | 2,421 |
| Equity capital to assets | 11.2117% | 2,661 |
| Core capital (leverage) ratio | 10.3300% | 3,175 |
| Tier 1 risk-based capital ratio | 14.4380% | 3,671 |
| Total risk-based capital ratio | 15.4198% | 3,758 |
| Memoranda: | ||
| Average total assets | $223,062,330 | 2,764 |
| Average earning assets | $198,897,000 | 2,830 |
| Average equity | $24,200,330 | 2,788 |
| Average total loans | $165,894,670 | 2,419 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 918 |
| Cost of funding earning assets | 0.2342% | 5,173 |
| Net interest margin | 4.5305% | 576 |
| Noninterest income to average assets | 1.1625% | 844 |
| Noninterest expense to average assets | 3.3193% | 1,669 |
| Loan and lease loss provision to assets | 0.3398% | 391 |
| Net operating income to assets | 1.5345% | 797 |
| Return on assets (ROA) | 1.5345% | 839 |
| Pretax return on assets | 1.5506% | 1,390 |
| Return on Equity (ROE) | 14.3821% | 808 |
| Retained earnings to average equity (ytd only) | 14.3821% | 331 |
| Net charge-offs to loans | 0.1467% | 1,363 |
| Credit loss provision to net charge-offs | 311.4754% | 789 |
| Earnings coverage of net charge-offs (x) | 17.3279% | 1,528 |
| Efficiency ratio | 63.7144% | 4,520 |
| Assets per employee ($millions) | 3.8202% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 5,470 |
| Loan loss allowance to noncurrent loans | 70.1305% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 2,764 |
| Noncurrent loans to loans | 1.2661% | 2,260 |
| Net loans and leases to total assets | 73.0980% | 1,638 |
| Net loans and leases to deposits | 83.2223% | 2,175 |
| Net loans and leases to core deposits | 86.6447% | 2,475 |
| Total domestic deposits to total assets | 87.8346% | 1,909 |
| Equity capital to assets | 10.9942% | 2,979 |
| Core capital (leverage) ratio | 9.9223% | 3,709 |
| Tier 1 risk-based capital ratio | 12.9369% | 4,639 |
| Total risk-based capital ratio | 13.7902% | 4,790 |
| Memoranda: | ||
| Average total assets | $223,660,500 | 2,773 |
| Average earning assets | $199,802,000 | 2,839 |
| Average equity | $23,863,000 | 2,844 |
| Average total loans | $166,275,000 | 2,419 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,334 |
| Cost of funding earning assets | 0.2722% | 5,070 |
| Net interest margin | 4.4189% | 859 |
| Noninterest income to average assets | 1.4062% | 614 |
| Noninterest expense to average assets | 3.4753% | 1,541 |
| Loan and lease loss provision to assets | 0.3485% | 550 |
| Net operating income to assets | 1.5165% | 849 |
| Return on assets (ROA) | 1.5165% | 882 |
| Pretax return on assets | 1.5165% | 1,486 |
| Return on Equity (ROE) | 14.9847% | 783 |
| Retained earnings to average equity (ytd only) | 12.4120% | 267 |
| Net charge-offs to loans | 0.2539% | 1,682 |
| Credit loss provision to net charge-offs | 192.1120% | 1,286 |
| Earnings coverage of net charge-offs (x) | 10.2799% | 2,628 |
| Efficiency ratio | 65.0761% | 4,394 |
| Assets per employee ($millions) | 3.8263% | 4,299 |
| Cash dividends to net income (ytd only)* | 17.1689% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 5,823 |
| Loan loss allowance to noncurrent loans | 67.3802% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 2,997 |
| Noncurrent loans to loans | 1.1600% | 2,514 |
| Net loans and leases to total assets | 74.3358% | 1,532 |
| Net loans and leases to deposits | 88.3896% | 1,692 |
| Net loans and leases to core deposits | 93.0996% | 1,983 |
| Total domestic deposits to total assets | 84.1001% | 3,666 |
| Equity capital to assets | 10.3504% | 3,664 |
| Core capital (leverage) ratio | 9.5420% | 4,182 |
| Tier 1 risk-based capital ratio | 11.2200% | 5,806 |
| Total risk-based capital ratio | 11.9216% | 5,975 |
| Memoranda: | ||
| Average total assets | $216,615,800 | 2,817 |
| Average earning assets | $192,852,800 | 2,878 |
| Average equity | $21,922,400 | 2,956 |
| Average total loans | $154,783,000 | 2,501 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 1,393 |
| Cost of funding earning assets | 0.2810% | 5,084 |
| Net interest margin | 4.3842% | 904 |
| Noninterest income to average assets | 1.3791% | 653 |
| Noninterest expense to average assets | 3.4880% | 1,485 |
| Loan and lease loss provision to assets | 0.2924% | 680 |
| Net operating income to assets | 1.4836% | 970 |
| Return on assets (ROA) | 1.4836% | 999 |
| Pretax return on assets | 1.4998% | 1,648 |
| Return on Equity (ROE) | 14.7481% | 874 |
| Retained earnings to average equity (ytd only) | 13.1404% | 318 |
| Net charge-offs to loans | 0.1667% | 2,129 |
| Credit loss provision to net charge-offs | 248.6772% | 1,062 |
| Earnings coverage of net charge-offs (x) | 15.2436% | 2,068 |
| Efficiency ratio | 66.0580% | 4,206 |
| Assets per employee ($millions) | 3.8223% | 4,240 |
| Cash dividends to net income (ytd only)* | 10.9015% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 5,947 |
| Loan loss allowance to noncurrent loans | 57.8016% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 2,955 |
| Noncurrent loans to loans | 1.3345% | 2,413 |
| Net loans and leases to total assets | 72.0136% | 1,850 |
| Net loans and leases to deposits | 82.4118% | 2,375 |
| Net loans and leases to core deposits | 88.2585% | 2,397 |
| Total domestic deposits to total assets | 87.3826% | 2,104 |
| Equity capital to assets | 10.2344% | 3,882 |
| Core capital (leverage) ratio | 9.4556% | 4,433 |
| Tier 1 risk-based capital ratio | 11.3049% | 5,877 |
| Total risk-based capital ratio | 11.9877% | 6,066 |
| Memoranda: | ||
| Average total assets | $214,332,250 | 2,862 |
| Average earning assets | $190,711,750 | 2,928 |
| Average equity | $21,561,500 | 2,998 |
| Average total loans | $151,195,000 | 2,559 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 1,378 |
| Cost of funding earning assets | 0.2901% | 5,074 |
| Net interest margin | 4.3678% | 904 |
| Noninterest income to average assets | 1.1592% | 869 |
| Noninterest expense to average assets | 3.3614% | 1,783 |
| Loan and lease loss provision to assets | 0.1982% | 1,225 |
| Net operating income to assets | 1.4631% | 942 |
| Return on assets (ROA) | 1.4631% | 982 |
| Pretax return on assets | 1.4791% | 1,602 |
| Return on Equity (ROE) | 14.6325% | 848 |
| Retained earnings to average equity (ytd only) | 14.6325% | 230 |
| Net charge-offs to loans | 0.2311% | 1,652 |
| Credit loss provision to net charge-offs | 122.8070% | 1,693 |
| Earnings coverage of net charge-offs (x) | 10.3918% | 2,254 |
| Efficiency ratio | 66.7104% | 4,245 |
| Assets per employee ($millions) | 3.7305% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 6,248 |
| Loan loss allowance to noncurrent loans | 396.4286% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 5,710 |
| Noncurrent loans to loans | 0.1640% | 5,517 |
| Net loans and leases to total assets | 70.5562% | 1,991 |
| Net loans and leases to deposits | 82.8954% | 2,150 |
| Net loans and leases to core deposits | 88.6430% | 2,243 |
| Total domestic deposits to total assets | 85.1147% | 3,449 |
| Equity capital to assets | 10.1762% | 3,864 |
| Core capital (leverage) ratio | 9.4706% | 4,370 |
| Tier 1 risk-based capital ratio | 11.2328% | 5,941 |
| Total risk-based capital ratio | 11.7948% | 6,175 |
| Memoranda: | ||
| Average total assets | $211,878,670 | 2,895 |
| Average earning assets | $188,195,670 | 2,974 |
| Average equity | $21,185,670 | 3,035 |
| Average total loans | $147,963,330 | 2,610 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 1,328 |
| Cost of funding earning assets | 0.3097% | 4,969 |
| Net interest margin | 4.3592% | 878 |
| Noninterest income to average assets | 1.1334% | 866 |
| Noninterest expense to average assets | 3.2800% | 1,988 |
| Loan and lease loss provision to assets | 0.1717% | 1,406 |
| Net operating income to assets | 1.5322% | 765 |
| Return on assets (ROA) | 1.5322% | 800 |
| Pretax return on assets | 1.5494% | 1,294 |
| Return on Equity (ROE) | 15.4650% | 710 |
| Retained earnings to average equity (ytd only) | 15.4650% | 300 |
| Net charge-offs to loans | 0.4107% | 880 |
| Credit loss provision to net charge-offs | 60.4027% | 2,100 |
| Earnings coverage of net charge-offs (x) | 6.0537% | 2,286 |
| Efficiency ratio | 65.5857% | 4,599 |
| Assets per employee ($millions) | 3.5791% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6144% | 6,389 |
| Loan loss allowance to noncurrent loans | 517.8161% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 5,914 |
| Noncurrent loans to loans | 0.1187% | 5,760 |
| Net loans and leases to total assets | 69.0203% | 2,055 |
| Net loans and leases to deposits | 79.1876% | 2,406 |
| Net loans and leases to core deposits | 84.3952% | 2,473 |
| Total domestic deposits to total assets | 87.1604% | 2,725 |
| Equity capital to assets | 10.0669% | 3,765 |
| Core capital (leverage) ratio | 9.2514% | 4,645 |
| Tier 1 risk-based capital ratio | 11.1929% | 6,077 |
| Total risk-based capital ratio | 11.7175% | 6,307 |
| Memoranda: | ||
| Average total assets | $209,634,000 | 2,938 |
| Average earning assets | $185,998,000 | 3,021 |
| Average equity | $20,769,500 | 3,085 |
| Average total loans | $145,115,000 | 2,658 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 2,405 |
| Cost of funding earning assets | 0.3506% | 5,130 |
| Net interest margin | 4.0957% | 1,654 |
| Noninterest income to average assets | 0.9606% | 1,490 |
| Noninterest expense to average assets | 3.1480% | 2,598 |
| Loan and lease loss provision to assets | 0.1679% | 2,181 |
| Net operating income to assets | 1.2579% | 1,372 |
| Return on assets (ROA) | 1.3112% | 1,261 |
| Pretax return on assets | 1.3112% | 2,103 |
| Return on Equity (ROE) | 14.0703% | 936 |
| Retained earnings to average equity (ytd only) | 10.3958% | 501 |
| Net charge-offs to loans | 0.1141% | 3,677 |
| Credit loss provision to net charge-offs | 234.8993% | 977 |
| Earnings coverage of net charge-offs (x) | 19.9530% | 1,576 |
| Efficiency ratio | 68.8267% | 4,046 |
| Assets per employee ($millions) | 3.6509% | 4,587 |
| Cash dividends to net income (ytd only)* | 26.1156% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 6,393 |
| Loan loss allowance to noncurrent loans | 388.6640% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 5,874 |
| Noncurrent loans to loans | 0.1720% | 5,686 |
| Net loans and leases to total assets | 68.5345% | 2,253 |
| Net loans and leases to deposits | 78.4809% | 2,660 |
| Net loans and leases to core deposits | 84.7089% | 2,587 |
| Total domestic deposits to total assets | 87.3263% | 2,566 |
| Equity capital to assets | 9.7457% | 4,110 |
| Core capital (leverage) ratio | 8.9512% | 5,077 |
| Tier 1 risk-based capital ratio | 10.8120% | 6,255 |
| Total risk-based capital ratio | 11.3792% | 6,441 |
| Memoranda: | ||
| Average total assets | $208,515,600 | 2,930 |
| Average earning assets | $183,949,200 | 3,029 |
| Average equity | $19,431,000 | 3,220 |
| Average total loans | $130,550,200 | 2,854 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,729 |
| Cost of funding earning assets | 0.3555% | 5,245 |
| Net interest margin | 4.0060% | 1,925 |
| Noninterest income to average assets | 0.8884% | 1,799 |
| Noninterest expense to average assets | 3.0025% | 2,985 |
| Loan and lease loss provision to assets | 0.1457% | 2,457 |
| Net operating income to assets | 1.2527% | 1,480 |
| Return on assets (ROA) | 1.3236% | 1,342 |
| Pretax return on assets | 1.3402% | 2,164 |
| Return on Equity (ROE) | 14.3677% | 913 |
| Retained earnings to average equity (ytd only) | 10.9614% | 585 |
| Net charge-offs to loans | 0.0712% | 3,914 |
| Credit loss provision to net charge-offs | 335.2941% | 766 |
| Earnings coverage of net charge-offs (x) | 32.5604% | 1,165 |
| Efficiency ratio | 67.9688% | 4,110 |
| Assets per employee ($millions) | 3.8287% | 4,170 |
| Cash dividends to net income (ytd only)* | 23.7084% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 6,451 |
| Loan loss allowance to noncurrent loans | 271.8935% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 5,949 |
| Noncurrent loans to loans | 0.2554% | 5,589 |
| Net loans and leases to total assets | 63.5623% | 3,064 |
| Net loans and leases to deposits | 71.2458% | 3,605 |
| Net loans and leases to core deposits | 77.1310% | 3,483 |
| Total domestic deposits to total assets | 89.2155% | 1,448 |
| Equity capital to assets | 9.5647% | 4,468 |
| Core capital (leverage) ratio | 8.6165% | 5,637 |
| Tier 1 risk-based capital ratio | 11.3860% | 6,104 |
| Total risk-based capital ratio | 11.9719% | 6,356 |
| Memoranda: | ||
| Average total assets | $208,619,250 | 2,947 |
| Average earning assets | $183,786,250 | 3,058 |
| Average equity | $19,218,500 | 3,286 |
| Average total loans | $127,292,500 | 2,922 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,775 |
| Cost of funding earning assets | 0.3609% | 5,308 |
| Net interest margin | 3.9832% | 1,924 |
| Noninterest income to average assets | 0.8201% | 2,107 |
| Noninterest expense to average assets | 2.8618% | 3,468 |
| Loan and lease loss provision to assets | 0.1309% | 2,682 |
| Net operating income to assets | 1.3133% | 1,289 |
| Return on assets (ROA) | 1.3200% | 1,353 |
| Pretax return on assets | 1.3362% | 2,170 |
| Return on Equity (ROE) | 14.5116% | 907 |
| Retained earnings to average equity (ytd only) | 12.1263% | 470 |
| Net charge-offs to loans | 0.0557% | 3,900 |
| Credit loss provision to net charge-offs | 391.4286% | 670 |
| Earnings coverage of net charge-offs (x) | 43.6571% | 871 |
| Efficiency ratio | 66.2096% | 4,511 |
| Assets per employee ($millions) | 4.0051% | 3,787 |
| Cash dividends to net income (ytd only)* | 16.4374% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 6,516 |
| Loan loss allowance to noncurrent loans | 169.1552% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 5,769 |
| Noncurrent loans to loans | 0.4052% | 5,251 |
| Net loans and leases to total assets | 58.7754% | 3,858 |
| Net loans and leases to deposits | 65.4891% | 4,322 |
| Net loans and leases to core deposits | 70.4194% | 4,224 |
| Total domestic deposits to total assets | 89.7484% | 1,176 |
| Equity capital to assets | 9.1431% | 5,050 |
| Core capital (leverage) ratio | 8.3835% | 5,786 |
| Tier 1 risk-based capital ratio | 11.7119% | 5,985 |
| Total risk-based capital ratio | 12.2904% | 6,294 |
| Memoranda: | ||
| Average total assets | $209,242,330 | 2,960 |
| Average earning assets | $183,974,670 | 3,062 |
| Average equity | $19,033,000 | 3,328 |
| Average total loans | $125,612,000 | 2,959 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 2,601 |
| Cost of funding earning assets | 0.3790% | 5,296 |
| Net interest margin | 3.9992% | 1,785 |
| Noninterest income to average assets | 0.7953% | 2,145 |
| Noninterest expense to average assets | 2.7748% | 3,787 |
| Loan and lease loss provision to assets | 0.1155% | 2,789 |
| Net operating income to assets | 1.3826% | 1,062 |
| Return on assets (ROA) | 1.3826% | 1,150 |
| Pretax return on assets | 1.3999% | 1,854 |
| Return on Equity (ROE) | 15.2397% | 708 |
| Retained earnings to average equity (ytd only) | 15.2397% | 331 |
| Net charge-offs to loans | 0.0350% | 3,535 |
| Credit loss provision to net charge-offs | 545.4545% | 492 |
| Earnings coverage of net charge-offs (x) | 71.5455% | 509 |
| Efficiency ratio | 64.6768% | 4,891 |
| Assets per employee ($millions) | 4.1453% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 6,656 |
| Loan loss allowance to noncurrent loans | 308.3969% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 6,201 |
| Noncurrent loans to loans | 0.2079% | 5,886 |
| Net loans and leases to total assets | 59.2232% | 3,568 |
| Net loans and leases to deposits | 65.8703% | 4,068 |
| Net loans and leases to core deposits | 73.6041% | 3,629 |
| Total domestic deposits to total assets | 89.9088% | 1,108 |
| Equity capital to assets | 9.0913% | 5,378 |
| Core capital (leverage) ratio | 8.4225% | 5,677 |
| Tier 1 risk-based capital ratio | 11.4812% | 6,194 |
| Total risk-based capital ratio | 12.0327% | 6,463 |
| Memoranda: | ||
| Average total assets | $207,729,000 | 3,004 |
| Average earning assets | $181,537,500 | 3,125 |
| Average equity | $18,845,500 | 3,395 |
| Average total loans | $125,606,500 | 2,976 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2218% | 4,503 |
| Cost of funding earning assets | 0.3092% | 6,407 |
| Net interest margin | 3.9126% | 2,774 |
| Noninterest income to average assets | 0.8554% | 2,014 |
| Noninterest expense to average assets | 2.7469% | 4,227 |
| Loan and lease loss provision to assets | 0.1247% | 4,058 |
| Net operating income to assets | 1.4808% | 956 |
| Return on assets (ROA) | 1.4808% | 1,057 |
| Pretax return on assets | 1.4808% | 1,741 |
| Return on Equity (ROE) | 11.9948% | 1,515 |
| Retained earnings to average equity (ytd only) | 7.7927% | 1,194 |
| Net charge-offs to loans | 0.0945% | 4,726 |
| Credit loss provision to net charge-offs | 216.8675% | 1,167 |
| Earnings coverage of net charge-offs (x) | 27.9277% | 1,055 |
| Efficiency ratio | 63.1127% | 5,057 |
| Assets per employee ($millions) | 4.0009% | 3,946 |
| Cash dividends to net income (ytd only)* | 35.0327% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 6,750 |
| Loan loss allowance to noncurrent loans | 1,405.5556% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 6,596 |
| Noncurrent loans to loans | 0.0431% | 6,402 |
| Net loans and leases to total assets | 60.9867% | 3,422 |
| Net loans and leases to deposits | 67.8459% | 4,009 |
| Net loans and leases to core deposits | 72.5510% | 3,969 |
| Total domestic deposits to total assets | 89.8900% | 1,017 |
| Equity capital to assets | 9.0524% | 5,465 |
| Core capital (leverage) ratio | 9.1327% | 4,684 |
| Tier 1 risk-based capital ratio | 12.5810% | 5,416 |
| Total risk-based capital ratio | 13.0966% | 5,843 |
| Memoranda: | ||
| Average total assets | $144,379,600 | 3,876 |
| Average earning assets | $129,043,800 | 3,923 |
| Average equity | $17,824,400 | 3,497 |
| Average total loans | $87,833,000 | 3,798 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 4,290 |
| Cost of funding earning assets | 0.3171% | 6,529 |
| Net interest margin | 4.0241% | 2,401 |
| Noninterest income to average assets | 0.8744% | 1,926 |
| Noninterest expense to average assets | 2.9825% | 3,295 |
| Loan and lease loss provision to assets | 0.1236% | 4,009 |
| Net operating income to assets | 1.4027% | 1,215 |
| Return on assets (ROA) | 1.4027% | 1,340 |
| Pretax return on assets | 1.4274% | 2,151 |
| Return on Equity (ROE) | 10.2812% | 2,219 |
| Retained earnings to average equity (ytd only) | 6.6277% | 2,313 |
| Net charge-offs to loans | 0.0985% | 4,397 |
| Credit loss provision to net charge-offs | 206.8966% | 1,338 |
| Earnings coverage of net charge-offs (x) | 25.9660% | 1,229 |
| Efficiency ratio | 65.7883% | 4,484 |
| Assets per employee ($millions) | 4.0027% | 3,862 |
| Cash dividends to net income (ytd only)* | 35.5362% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 6,451 |
| Loan loss allowance to noncurrent loans | 804.4444% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 6,579 |
| Noncurrent loans to loans | 0.1086% | 6,344 |
| Net loans and leases to total assets | 60.3753% | 3,703 |
| Net loans and leases to deposits | 71.0410% | 3,742 |
| Net loans and leases to core deposits | 75.1053% | 3,837 |
| Total domestic deposits to total assets | 84.9866% | 3,748 |
| Equity capital to assets | 13.3380% | 1,419 |
| Core capital (leverage) ratio | 13.4481% | 1,033 |
| Tier 1 risk-based capital ratio | 20.2056% | 1,706 |
| Total risk-based capital ratio | 21.0179% | 1,789 |
| Memoranda: | ||
| Average total assets | $129,463,000 | 4,199 |
| Average earning assets | $117,720,500 | 4,204 |
| Average equity | $17,662,750 | 3,549 |
| Average total loans | $78,491,250 | 4,125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 4,538 |
| Cost of funding earning assets | 0.3257% | 6,618 |
| Net interest margin | 3.9825% | 2,580 |
| Noninterest income to average assets | 0.8833% | 1,852 |
| Noninterest expense to average assets | 3.0490% | 3,089 |
| Loan and lease loss provision to assets | 0.0943% | 4,375 |
| Net operating income to assets | 1.3296% | 1,363 |
| Return on assets (ROA) | 1.3296% | 1,515 |
| Pretax return on assets | 1.3532% | 2,381 |
| Return on Equity (ROE) | 9.6688% | 2,503 |
| Retained earnings to average equity (ytd only) | 6.3315% | 2,485 |
| Net charge-offs to loans | 0.0883% | 4,268 |
| Credit loss provision to net charge-offs | 176.4706% | 1,593 |
| Earnings coverage of net charge-offs (x) | 27.0882% | 1,142 |
| Efficiency ratio | 67.8085% | 4,163 |
| Assets per employee ($millions) | 4.3818% | 3,116 |
| Cash dividends to net income (ytd only)* | 34.5154% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 6,613 |
| Loan loss allowance to noncurrent loans | 461.7450% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 6,509 |
| Noncurrent loans to loans | 0.1798% | 6,221 |
| Net loans and leases to total assets | 62.5128% | 3,337 |
| Net loans and leases to deposits | 73.7247% | 3,336 |
| Net loans and leases to core deposits | 77.0208% | 3,656 |
| Total domestic deposits to total assets | 84.7923% | 3,951 |
| Equity capital to assets | 13.5189% | 1,299 |
| Core capital (leverage) ratio | 13.5503% | 961 |
| Tier 1 risk-based capital ratio | 19.8679% | 1,734 |
| Total risk-based capital ratio | 20.6409% | 1,848 |
| Memoranda: | ||
| Average total assets | $127,253,330 | 4,264 |
| Average earning assets | $115,455,000 | 4,284 |
| Average equity | $17,499,670 | 3,570 |
| Average total loans | $77,025,000 | 4,184 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 4,926 |
| Cost of funding earning assets | 0.3321% | 6,717 |
| Net interest margin | 3.9175% | 2,850 |
| Noninterest income to average assets | 0.8725% | 1,862 |
| Noninterest expense to average assets | 3.0714% | 3,013 |
| Loan and lease loss provision to assets | 0.0639% | 4,625 |
| Net operating income to assets | 1.2593% | 1,576 |
| Return on assets (ROA) | 1.2593% | 1,745 |
| Pretax return on assets | 1.2816% | 2,601 |
| Return on Equity (ROE) | 9.0762% | 2,794 |
| Retained earnings to average equity (ytd only) | 9.0762% | 1,564 |
| Net charge-offs to loans | 0.0918% | 3,604 |
| Credit loss provision to net charge-offs | 117.6471% | 2,011 |
| Earnings coverage of net charge-offs (x) | 24.7647% | 1,048 |
| Efficiency ratio | 69.5369% | 3,895 |
| Assets per employee ($millions) | 4.0417% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 6,587 |
| Loan loss allowance to noncurrent loans | 1,168.4211% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 6,799 |
| Noncurrent loans to loans | 0.0753% | 6,563 |
| Net loans and leases to total assets | 58.0098% | 4,037 |
| Net loans and leases to deposits | 68.4197% | 3,991 |
| Net loans and leases to core deposits | 71.8946% | 4,168 |
| Total domestic deposits to total assets | 84.7852% | 4,128 |
| Equity capital to assets | 13.5717% | 1,210 |
| Core capital (leverage) ratio | 14.1293% | 771 |
| Tier 1 risk-based capital ratio | 20.9192% | 1,512 |
| Total risk-based capital ratio | 21.7142% | 1,573 |
| Memoranda: | ||
| Average total assets | $125,153,500 | 4,338 |
| Average earning assets | $113,235,000 | 4,351 |
| Average equity | $17,364,000 | 3,599 |
| Average total loans | $74,106,000 | 4,314 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 5,180 |
| Cost of funding earning assets | 0.3846% | 6,929 |
| Net interest margin | 4.0852% | 2,499 |
| Noninterest income to average assets | 1.1473% | 993 |
| Noninterest expense to average assets | 3.1230% | 3,121 |
| Loan and lease loss provision to assets | 0.1499% | 4,745 |
| Net operating income to assets | 1.5112% | 805 |
| Return on assets (ROA) | 1.5112% | 874 |
| Pretax return on assets | 1.5361% | 1,378 |
| Return on Equity (ROE) | 10.5321% | 1,866 |
| Retained earnings to average equity (ytd only) | 2.2515% | 4,607 |
| Net charge-offs to loans | -0.0067% | 6,856 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9411% | 4,961 |
| Assets per employee ($millions) | 3.3603% | 5,344 |
| Cash dividends to net income (ytd only)* | 78.6226% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,508 |
| Loan loss allowance to noncurrent loans | 1,576.1905% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 6,884 |
| Noncurrent loans to loans | 0.0579% | 6,670 |
| Net loans and leases to total assets | 59.3997% | 4,112 |
| Net loans and leases to deposits | 70.5955% | 4,008 |
| Net loans and leases to core deposits | 73.1473% | 4,358 |
| Total domestic deposits to total assets | 84.1410% | 4,265 |
| Equity capital to assets | 14.1975% | 1,005 |
| Core capital (leverage) ratio | 13.9512% | 835 |
| Tier 1 risk-based capital ratio | 19.1703% | 1,851 |
| Total risk-based capital ratio | 19.9111% | 1,968 |
| Memoranda: | ||
| Average total assets | $120,107,000 | 4,397 |
| Average earning assets | $107,656,600 | 4,457 |
| Average equity | $17,233,000 | 3,543 |
| Average total loans | $74,627,200 | 4,328 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 5,232 |
| Cost of funding earning assets | 0.3920% | 7,033 |
| Net interest margin | 4.1159% | 2,410 |
| Noninterest income to average assets | 1.0476% | 1,222 |
| Noninterest expense to average assets | 3.1050% | 3,142 |
| Loan and lease loss provision to assets | 0.2002% | 4,019 |
| Net operating income to assets | 1.4146% | 1,129 |
| Return on assets (ROA) | 1.4146% | 1,200 |
| Pretax return on assets | 1.4324% | 1,842 |
| Return on Equity (ROE) | 9.8331% | 2,260 |
| Retained earnings to average equity (ytd only) | 6.4162% | 2,283 |
| Net charge-offs to loans | -0.0319% | 6,979 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5399% | 4,799 |
| Assets per employee ($millions) | 3.7035% | 4,532 |
| Cash dividends to net income (ytd only)* | 34.7485% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,556 |
| Loan loss allowance to noncurrent loans | 1,569.7674% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 6,967 |
| Noncurrent loans to loans | 0.0583% | 6,787 |
| Net loans and leases to total assets | 59.8305% | 4,162 |
| Net loans and leases to deposits | 71.4329% | 4,079 |
| Net loans and leases to core deposits | 76.9044% | 4,069 |
| Total domestic deposits to total assets | 83.7576% | 4,345 |
| Equity capital to assets | 14.4260% | 1,016 |
| Core capital (leverage) ratio | 14.6770% | 734 |
| Tier 1 risk-based capital ratio | 18.3155% | 2,144 |
| Total risk-based capital ratio | 19.0191% | 2,314 |
| Memoranda: | ||
| Average total assets | $119,890,750 | 4,429 |
| Average earning assets | $107,483,500 | 4,496 |
| Average equity | $17,247,500 | 3,544 |
| Average total loans | $75,154,250 | 4,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 5,038 |
| Cost of funding earning assets | 0.3995% | 7,127 |
| Net interest margin | 4.1846% | 2,102 |
| Noninterest income to average assets | 1.0225% | 1,267 |
| Noninterest expense to average assets | 3.1449% | 3,099 |
| Loan and lease loss provision to assets | 0.2015% | 3,908 |
| Net operating income to assets | 1.4087% | 1,062 |
| Return on assets (ROA) | 1.4087% | 1,122 |
| Pretax return on assets | 1.4222% | 1,746 |
| Return on Equity (ROE) | 9.8016% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.3553% | 2,209 |
| Net charge-offs to loans | 0.0079% | 5,748 |
| Credit loss provision to net charge-offs | 4,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 322.3333% | 103 |
| Efficiency ratio | 65.9507% | 4,885 |
| Assets per employee ($millions) | 3.6908% | 4,470 |
| Cash dividends to net income (ytd only)* | 35.1609% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 6,892 |
| Loan loss allowance to noncurrent loans | 565.7143% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 6,878 |
| Noncurrent loans to loans | 0.1392% | 6,628 |
| Net loans and leases to total assets | 63.3814% | 3,603 |
| Net loans and leases to deposits | 76.0106% | 3,470 |
| Net loans and leases to core deposits | 81.4130% | 3,594 |
| Total domestic deposits to total assets | 83.3850% | 4,589 |
| Equity capital to assets | 14.6981% | 894 |
| Core capital (leverage) ratio | 13.9507% | 883 |
| Tier 1 risk-based capital ratio | 18.4329% | 2,034 |
| Total risk-based capital ratio | 19.0663% | 2,184 |
| Memoranda: | ||
| Average total assets | $119,115,330 | 4,484 |
| Average earning assets | $106,630,330 | 4,545 |
| Average equity | $17,119,670 | 3,551 |
| Average total loans | $75,606,330 | 4,360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 4,682 |
| Cost of funding earning assets | 0.4086% | 7,207 |
| Net interest margin | 4.2546% | 1,730 |
| Noninterest income to average assets | 0.9998% | 1,328 |
| Noninterest expense to average assets | 3.2168% | 2,835 |
| Loan and lease loss provision to assets | 0.2006% | 3,628 |
| Net operating income to assets | 1.3777% | 1,101 |
| Return on assets (ROA) | 1.3777% | 1,152 |
| Pretax return on assets | 1.3777% | 1,787 |
| Return on Equity (ROE) | 9.6941% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.6941% | 1,181 |
| Net charge-offs to loans | -0.1691% | 7,229 |
| Credit loss provision to net charge-offs | -187.5000% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0851% | 4,834 |
| Assets per employee ($millions) | 3.4941% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 6,987 |
| Loan loss allowance to noncurrent loans | 172.4242% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 6,505 |
| Noncurrent loans to loans | 0.4419% | 6,125 |
| Net loans and leases to total assets | 60.5963% | 4,152 |
| Net loans and leases to deposits | 72.0032% | 4,077 |
| Net loans and leases to core deposits | 76.8844% | 4,178 |
| Total domestic deposits to total assets | 84.1577% | 4,425 |
| Equity capital to assets | 14.0703% | 991 |
| Core capital (leverage) ratio | 14.3000% | 776 |
| Tier 1 risk-based capital ratio | 19.6578% | 1,658 |
| Total risk-based capital ratio | 20.3099% | 1,747 |
| Memoranda: | ||
| Average total assets | $119,621,000 | 4,492 |
| Average earning assets | $106,708,500 | 4,569 |
| Average equity | $17,000,000 | 3,565 |
| Average total loans | $75,684,500 | 4,396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 4,069 |
| Cost of funding earning assets | 0.5682% | 7,187 |
| Net interest margin | 4.5384% | 1,155 |
| Noninterest income to average assets | 1.2559% | 940 |
| Noninterest expense to average assets | 3.6821% | 1,746 |
| Loan and lease loss provision to assets | 0.2229% | 5,048 |
| Net operating income to assets | 1.3590% | 1,030 |
| Return on assets (ROA) | 1.4742% | 872 |
| Pretax return on assets | 1.3906% | 1,686 |
| Return on Equity (ROE) | 9.4726% | 2,119 |
| Retained earnings to average equity (ytd only) | 2.5547% | 4,082 |
| Net charge-offs to loans | 0.1214% | 5,674 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 17.9222% | 1,126 |
| Efficiency ratio | 71.0776% | 3,978 |
| Assets per employee ($millions) | 3.4397% | 5,086 |
| Cash dividends to net income (ytd only)* | 73.0309% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6206% | 7,236 |
| Loan loss allowance to noncurrent loans | 106.4877% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 6,318 |
| Noncurrent loans to loans | 0.5828% | 5,885 |
| Net loans and leases to total assets | 65.1729% | 3,630 |
| Net loans and leases to deposits | 77.7253% | 3,553 |
| Net loans and leases to core deposits | 82.8044% | 3,774 |
| Total domestic deposits to total assets | 83.8502% | 4,425 |
| Equity capital to assets | 14.3593% | 939 |
| Core capital (leverage) ratio | 14.3022% | 787 |
| Tier 1 risk-based capital ratio | 20.7090% | 1,362 |
| Total risk-based capital ratio | 21.2978% | 1,450 |
| Memoranda: | ||
| Average total assets | $107,654,800 | 4,782 |
| Average earning assets | $93,093,800 | 4,916 |
| Average equity | $16,753,600 | 3,637 |
| Average total loans | $74,127,400 | 4,521 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 3,699 |
| Cost of funding earning assets | 0.6045% | 7,280 |
| Net interest margin | 4.6221% | 1,003 |
| Noninterest income to average assets | 1.3443% | 747 |
| Noninterest expense to average assets | 3.8240% | 1,334 |
| Loan and lease loss provision to assets | 0.2278% | 4,795 |
| Net operating income to assets | 1.3380% | 1,262 |
| Return on assets (ROA) | 1.4949% | 1,012 |
| Pretax return on assets | 1.4076% | 1,859 |
| Return on Equity (ROE) | 9.4043% | 2,346 |
| Retained earnings to average equity (ytd only) | 3.6152% | 3,904 |
| Net charge-offs to loans | 0.0671% | 5,839 |
| Credit loss provision to net charge-offs | 486.4865% | 603 |
| Earnings coverage of net charge-offs (x) | 31.5688% | 848 |
| Efficiency ratio | 72.1175% | 3,674 |
| Assets per employee ($millions) | 3.3278% | 5,386 |
| Cash dividends to net income (ytd only)* | 61.5580% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 7,309 |
| Loan loss allowance to noncurrent loans | 114.1119% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,246 |
| Noncurrent loans to loans | 0.5548% | 6,091 |
| Net loans and leases to total assets | 67.0364% | 3,453 |
| Net loans and leases to deposits | 81.0360% | 3,260 |
| Net loans and leases to core deposits | 86.3089% | 3,604 |
| Total domestic deposits to total assets | 82.7241% | 4,707 |
| Equity capital to assets | 15.3326% | 812 |
| Core capital (leverage) ratio | 15.5205% | 631 |
| Tier 1 risk-based capital ratio | 21.1347% | 1,340 |
| Total risk-based capital ratio | 21.7259% | 1,435 |
| Memoranda: | ||
| Average total assets | $105,331,250 | 4,901 |
| Average earning assets | $90,202,750 | 5,061 |
| Average equity | $16,743,750 | 3,692 |
| Average total loans | $73,485,500 | 4,619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3574% | 3,177 |
| Cost of funding earning assets | 0.6220% | 7,361 |
| Net interest margin | 4.7355% | 757 |
| Noninterest income to average assets | 1.1826% | 922 |
| Noninterest expense to average assets | 3.8696% | 1,233 |
| Loan and lease loss provision to assets | 0.2311% | 4,605 |
| Net operating income to assets | 1.2944% | 1,323 |
| Return on assets (ROA) | 1.5313% | 907 |
| Pretax return on assets | 1.3810% | 1,885 |
| Return on Equity (ROE) | 9.5139% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.4503% | 2,100 |
| Net charge-offs to loans | 0.1228% | 4,958 |
| Credit loss provision to net charge-offs | 266.6667% | 1,419 |
| Earnings coverage of net charge-offs (x) | 15.8667% | 1,431 |
| Efficiency ratio | 73.7789% | 3,514 |
| Assets per employee ($millions) | 3.0817% | 5,975 |
| Cash dividends to net income (ytd only)* | 32.2013% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5520% | 7,467 |
| Loan loss allowance to noncurrent loans | 112.0112% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 6,325 |
| Noncurrent loans to loans | 0.4928% | 6,261 |
| Net loans and leases to total assets | 68.9489% | 3,143 |
| Net loans and leases to deposits | 84.3765% | 2,805 |
| Net loans and leases to core deposits | 86.2852% | 3,788 |
| Total domestic deposits to total assets | 81.7158% | 5,104 |
| Equity capital to assets | 16.1674% | 644 |
| Core capital (leverage) ratio | 16.2608% | 535 |
| Tier 1 risk-based capital ratio | 21.8474% | 1,229 |
| Total risk-based capital ratio | 22.3673% | 1,296 |
| Memoranda: | ||
| Average total assets | $103,835,670 | 4,970 |
| Average earning assets | $89,072,670 | 5,134 |
| Average equity | $16,712,330 | 3,679 |
| Average total loans | $73,285,000 | 4,666 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3512% | 3,297 |
| Cost of funding earning assets | 0.6149% | 7,516 |
| Net interest margin | 4.7364% | 721 |
| Noninterest income to average assets | 1.2151% | 825 |
| Noninterest expense to average assets | 4.4426% | 616 |
| Loan and lease loss provision to assets | 0.2322% | 4,183 |
| Net operating income to assets | 0.9868% | 2,231 |
| Return on assets (ROA) | 1.4628% | 1,031 |
| Pretax return on assets | 1.1300% | 2,630 |
| Return on Equity (ROE) | 9.1093% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.1093% | 1,369 |
| Net charge-offs to loans | 0.0163% | 5,357 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 76.3333% | 404 |
| Efficiency ratio | 83.3696% | 2,091 |
| Assets per employee ($millions) | 2.9218% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5190% | 7,574 |
| Loan loss allowance to noncurrent loans | 237.8882% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 6,880 |
| Noncurrent loans to loans | 0.2182% | 6,901 |
| Net loans and leases to total assets | 71.7809% | 2,508 |
| Net loans and leases to deposits | 88.0886% | 2,209 |
| Net loans and leases to core deposits | 88.0886% | 3,613 |
| Total domestic deposits to total assets | 81.4871% | 5,274 |
| Equity capital to assets | 16.4202% | 614 |
| Core capital (leverage) ratio | 16.2617% | 539 |
| Tier 1 risk-based capital ratio | 21.4437% | 1,278 |
| Total risk-based capital ratio | 21.9357% | 1,368 |
| Memoranda: | ||
| Average total assets | $103,364,000 | 5,049 |
| Average earning assets | $89,773,500 | 5,174 |
| Average equity | $16,598,500 | 3,735 |
| Average total loans | $73,605,000 | 4,729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 5,079 |
| Cost of funding earning assets | 0.6972% | 7,689 |
| Net interest margin | 4.6235% | 941 |
| Noninterest income to average assets | 1.2639% | 946 |
| Noninterest expense to average assets | 3.7606% | 1,771 |
| Loan and lease loss provision to assets | 0.1596% | 6,086 |
| Net operating income to assets | 1.3700% | 899 |
| Return on assets (ROA) | 1.3700% | 953 |
| Pretax return on assets | 1.4089% | 1,414 |
| Return on Equity (ROE) | 8.5363% | 2,183 |
| Retained earnings to average equity (ytd only) | 1.4793% | 4,031 |
| Net charge-offs to loans | 0.1102% | 6,056 |
| Credit loss provision to net charge-offs | 205.0000% | 1,881 |
| Earnings coverage of net charge-offs (x) | 20.1500% | 1,053 |
| Efficiency ratio | 70.5678% | 4,512 |
| Assets per employee ($millions) | 2.9847% | 6,260 |
| Cash dividends to net income (ytd only)* | 82.6705% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4440% | 7,718 |
| Loan loss allowance to noncurrent loans | 97.6048% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 6,385 |
| Noncurrent loans to loans | 0.4549% | 6,359 |
| Net loans and leases to total assets | 69.9715% | 3,263 |
| Net loans and leases to deposits | 85.1993% | 3,048 |
| Net loans and leases to core deposits | 97.0343% | 4,346 |
| Total domestic deposits to total assets | 82.1269% | 4,893 |
| Equity capital to assets | 15.7040% | 742 |
| Core capital (leverage) ratio | 15.7842% | 648 |
| Tier 1 risk-based capital ratio | 20.8625% | 1,318 |
| Total risk-based capital ratio | 21.2794% | 1,420 |
| Memoranda: | ||
| Average total assets | $102,775,000 | 5,018 |
| Average earning assets | $90,364,600 | 5,108 |
| Average equity | $16,494,200 | 3,777 |
| Average total loans | $72,600,000 | 4,779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3367% | 5,236 |
| Cost of funding earning assets | 0.7144% | 7,796 |
| Net interest margin | 4.6222% | 953 |
| Noninterest income to average assets | 1.4056% | 769 |
| Noninterest expense to average assets | 3.7764% | 1,643 |
| Loan and lease loss provision to assets | 0.1746% | 5,615 |
| Net operating income to assets | 1.4603% | 897 |
| Return on assets (ROA) | 1.4603% | 953 |
| Pretax return on assets | 1.5085% | 1,392 |
| Return on Equity (ROE) | 9.0493% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.7719% | 2,065 |
| Net charge-offs to loans | 0.1216% | 5,482 |
| Credit loss provision to net charge-offs | 203.0303% | 2,196 |
| Earnings coverage of net charge-offs (x) | 19.5752% | 1,281 |
| Efficiency ratio | 69.1720% | 4,752 |
| Assets per employee ($millions) | 2.8696% | 6,481 |
| Cash dividends to net income (ytd only)* | 36.2177% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4496% | 7,768 |
| Loan loss allowance to noncurrent loans | 100.3236% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 6,738 |
| Noncurrent loans to loans | 0.4482% | 6,430 |
| Net loans and leases to total assets | 66.4411% | 4,321 |
| Net loans and leases to deposits | 81.5718% | 4,102 |
| Net loans and leases to core deposits | 93.1720% | 5,112 |
| Total domestic deposits to total assets | 81.4510% | 4,897 |
| Equity capital to assets | 16.3487% | 732 |
| Core capital (leverage) ratio | 16.0797% | 666 |
| Tier 1 risk-based capital ratio | 22.5758% | 1,164 |
| Total risk-based capital ratio | 22.9928% | 1,240 |
| Memoranda: | ||
| Average total assets | $102,352,750 | 5,062 |
| Average earning assets | $89,766,500 | 5,172 |
| Average equity | $16,516,500 | 3,805 |
| Average total loans | $72,394,750 | 4,830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 5,411 |
| Cost of funding earning assets | 0.7366% | 7,891 |
| Net interest margin | 4.6100% | 935 |
| Noninterest income to average assets | 1.2662% | 949 |
| Noninterest expense to average assets | 3.7281% | 1,781 |
| Loan and lease loss provision to assets | 0.2039% | 5,016 |
| Net operating income to assets | 1.3133% | 1,201 |
| Return on assets (ROA) | 1.3133% | 1,274 |
| Pretax return on assets | 1.3701% | 1,807 |
| Return on Equity (ROE) | 8.1746% | 2,705 |
| Retained earnings to average equity (ytd only) | 5.1365% | 2,434 |
| Net charge-offs to loans | 0.1523% | 4,672 |
| Credit loss provision to net charge-offs | 185.7143% | 2,465 |
| Earnings coverage of net charge-offs (x) | 14.3393% | 1,663 |
| Efficiency ratio | 70.3142% | 4,713 |
| Assets per employee ($millions) | 2.8819% | 6,442 |
| Cash dividends to net income (ytd only)* | 37.1642% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 7,913 |
| Loan loss allowance to noncurrent loans | 134.8837% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 6,955 |
| Noncurrent loans to loans | 0.2875% | 6,791 |
| Net loans and leases to total assets | 71.7918% | 3,280 |
| Net loans and leases to deposits | 87.6963% | 3,222 |
| Net loans and leases to core deposits | 99.8137% | 4,527 |
| Total domestic deposits to total assets | 81.8641% | 4,750 |
| Equity capital to assets | 15.9711% | 830 |
| Core capital (leverage) ratio | 16.2790% | 705 |
| Tier 1 risk-based capital ratio | 21.3950% | 1,334 |
| Total risk-based capital ratio | 21.7713% | 1,443 |
| Memoranda: | ||
| Average total assets | $102,035,330 | 5,099 |
| Average earning assets | $89,327,330 | 5,223 |
| Average equity | $16,392,330 | 3,837 |
| Average total loans | $73,544,000 | 4,826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 5,321 |
| Cost of funding earning assets | 0.7626% | 7,944 |
| Net interest margin | 4.6567% | 851 |
| Noninterest income to average assets | 1.4074% | 709 |
| Noninterest expense to average assets | 4.1709% | 974 |
| Loan and lease loss provision to assets | 0.2174% | 4,278 |
| Net operating income to assets | 1.0635% | 2,094 |
| Return on assets (ROA) | 1.0635% | 2,224 |
| Pretax return on assets | 1.0991% | 2,991 |
| Return on Equity (ROE) | 6.5998% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.5998% | 2,378 |
| Net charge-offs to loans | 0.0878% | 4,288 |
| Credit loss provision to net charge-offs | 343.7500% | 1,461 |
| Earnings coverage of net charge-offs (x) | 20.8125% | 1,356 |
| Efficiency ratio | 76.0086% | 3,493 |
| Assets per employee ($millions) | 2.8918% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3834% | 7,965 |
| Loan loss allowance to noncurrent loans | 98.2517% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 6,683 |
| Noncurrent loans to loans | 0.3903% | 6,445 |
| Net loans and leases to total assets | 70.1244% | 3,641 |
| Net loans and leases to deposits | 85.4216% | 3,730 |
| Net loans and leases to core deposits | 96.2973% | 4,928 |
| Total domestic deposits to total assets | 82.0921% | 4,510 |
| Equity capital to assets | 15.8052% | 907 |
| Core capital (leverage) ratio | 16.3026% | 741 |
| Tier 1 risk-based capital ratio | 21.2472% | 1,409 |
| Total risk-based capital ratio | 21.6126% | 1,520 |
| Memoranda: | ||
| Average total assets | $101,178,000 | 5,145 |
| Average earning assets | $88,646,000 | 5,266 |
| Average equity | $16,303,500 | 3,886 |
| Average total loans | $72,929,000 | 4,873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3009% | 3,961 |
| Cost of funding earning assets | 1.2398% | 7,899 |
| Net interest margin | 5.0611% | 441 |
| Noninterest income to average assets | 1.2243% | 991 |
| Noninterest expense to average assets | 3.8059% | 1,741 |
| Loan and lease loss provision to assets | 0.1016% | 6,084 |
| Net operating income to assets | 1.6317% | 788 |
| Return on assets (ROA) | 1.6317% | 746 |
| Pretax return on assets | 1.7008% | 1,141 |
| Return on Equity (ROE) | 10.1768% | 2,193 |
| Retained earnings to average equity (ytd only) | 5.1391% | 1,940 |
| Net charge-offs to loans | 0.4573% | 2,541 |
| Credit loss provision to net charge-offs | 34.4828% | 6,493 |
| Earnings coverage of net charge-offs (x) | 6.1172% | 3,435 |
| Efficiency ratio | 67.8623% | 4,747 |
| Assets per employee ($millions) | 2.7292% | 6,721 |
| Cash dividends to net income (ytd only)* | 49.5019% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3335% | 8,056 |
| Loan loss allowance to noncurrent loans | 93.4363% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 6,525 |
| Noncurrent loans to loans | 0.3569% | 6,300 |
| Net loans and leases to total assets | 73.6196% | 3,200 |
| Net loans and leases to deposits | 90.3608% | 3,393 |
| Net loans and leases to core deposits | 102.4997% | 4,550 |
| Total domestic deposits to total assets | 81.4730% | 4,421 |
| Equity capital to assets | 16.4405% | 850 |
| Core capital (leverage) ratio | 15.9978% | 824 |
| Tier 1 risk-based capital ratio | 21.2328% | 1,428 |
| Total risk-based capital ratio | 21.5526% | 1,536 |
| Memoranda: | ||
| Average total assets | $98,425,400 | 5,101 |
| Average earning assets | $85,257,800 | 5,260 |
| Average equity | $15,781,000 | 3,976 |
| Average total loans | $63,410,800 | 5,122 |