Home > First National Bank of Coffee County > Performance and Condition Ratios
First National Bank of Coffee County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 2,861 |
| Cost of funding earning assets | 1.3503% | 2,358 |
| Net interest margin | 3.2671% | 2,714 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.4140% | 2,546 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1060% | 1,905 |
| Return on assets (ROA) | 1.1060% | 1,876 |
| Pretax return on assets | 1.0828% | 2,459 |
| Return on Equity (ROE) | 13.1200% | 1,696 |
| Retained earnings to average equity (ytd only) | 8.6447% | 1,355 |
| Net charge-offs to loans | 0.0098% | 2,285 |
| Credit loss provision to net charge-offs | 1,619.0476% | 277 |
| Earnings coverage of net charge-offs (x) | 246.3810% | 504 |
| Efficiency ratio | 66.8673% | 2,246 |
| Assets per employee ($millions) | 7.7167% | 1,577 |
| Cash dividends to net income (ytd only)* | 34.0928% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,555 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 2,578 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.4400% | 3,513 |
| Net loans and leases to deposits | 56.7857% | 3,674 |
| Net loans and leases to core deposits | 58.5199% | 3,818 |
| Total domestic deposits to total assets | 90.5900% | 607 |
| Equity capital to assets | 8.6116% | 2,963 |
| Core capital (leverage) ratio | 8.9047% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6277% | 828 |
| Memoranda: | ||
| Average total assets | $432,564,800 | 1,910 |
| Average earning assets | $409,081,200 | 1,883 |
| Average equity | $36,473,400 | 1,999 |
| Average total loans | $213,351,800 | 2,206 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 3,008 |
| Cost of funding earning assets | 1.1626% | 2,553 |
| Net interest margin | 3.2864% | 2,719 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.3867% | 2,553 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1918% | 1,819 |
| Return on assets (ROA) | 1.1918% | 1,804 |
| Pretax return on assets | 1.1588% | 2,391 |
| Return on Equity (ROE) | 14.2100% | 1,603 |
| Retained earnings to average equity (ytd only) | 8.1653% | 1,898 |
| Net charge-offs to loans | 0.0301% | 1,477 |
| Credit loss provision to net charge-offs | 304.2553% | 882 |
| Earnings coverage of net charge-offs (x) | 85.5319% | 1,005 |
| Efficiency ratio | 65.6293% | 2,315 |
| Assets per employee ($millions) | 7.5721% | 1,585 |
| Cash dividends to net income (ytd only)* | 42.5515% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 2,782 |
| Loan loss allowance to noncurrent loans | 81,766.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 2,610 |
| Noncurrent loans to loans | 0.0014% | 3,819 |
| Net loans and leases to total assets | 49.4800% | 3,655 |
| Net loans and leases to deposits | 54.8398% | 3,758 |
| Net loans and leases to core deposits | 56.2888% | 3,845 |
| Total domestic deposits to total assets | 90.2300% | 880 |
| Equity capital to assets | 8.5405% | 2,702 |
| Core capital (leverage) ratio | 9.1920% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5997% | 871 |
| Memoranda: | ||
| Average total assets | $428,813,500 | 1,923 |
| Average earning assets | $406,104,750 | 1,888 |
| Average equity | $35,956,000 | 2,011 |
| Average total loans | $208,458,250 | 2,235 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 2,992 |
| Cost of funding earning assets | 0.9058% | 2,905 |
| Net interest margin | 3.4496% | 2,391 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.3448% | 2,667 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.3203% | 1,511 |
| Return on assets (ROA) | 1.3203% | 1,496 |
| Pretax return on assets | 1.3288% | 1,993 |
| Return on Equity (ROE) | 15.8500% | 1,294 |
| Retained earnings to average equity (ytd only) | 6.6425% | 2,398 |
| Net charge-offs to loans | -0.0410% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.2752% | 2,681 |
| Assets per employee ($millions) | 7.3528% | 1,700 |
| Cash dividends to net income (ytd only)* | 58.0840% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,565 |
| Loan loss allowance to noncurrent loans | 273.7778% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,137 |
| Noncurrent loans to loans | 0.4291% | 1,649 |
| Net loans and leases to total assets | 48.6000% | 3,657 |
| Net loans and leases to deposits | 53.7625% | 3,758 |
| Net loans and leases to core deposits | 54.6572% | 3,862 |
| Total domestic deposits to total assets | 90.3900% | 817 |
| Equity capital to assets | 8.5315% | 2,841 |
| Core capital (leverage) ratio | 9.0417% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9715% | 818 |
| Memoranda: | ||
| Average total assets | $425,358,000 | 1,933 |
| Average earning assets | $403,172,333 | 1,901 |
| Average equity | $35,438,667 | 2,047 |
| Average total loans | $204,684,333 | 2,256 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,982 |
| Cost of funding earning assets | 0.5775% | 3,455 |
| Net interest margin | 3.6510% | 2,011 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.4906% | 2,275 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3559% | 1,522 |
| Return on assets (ROA) | 1.3559% | 1,491 |
| Pretax return on assets | 1.3729% | 1,954 |
| Return on Equity (ROE) | 16.4700% | 1,267 |
| Retained earnings to average equity (ytd only) | -2.1850% | 4,216 |
| Net charge-offs to loans | -0.0020% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9612% | 2,574 |
| Assets per employee ($millions) | 7.1222% | 1,876 |
| Cash dividends to net income (ytd only)* | 113.2639% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,637 |
| Loan loss allowance to noncurrent loans | 213.3803% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 1,792 |
| Noncurrent loans to loans | 0.5556% | 1,333 |
| Net loans and leases to total assets | 48.0800% | 3,626 |
| Net loans and leases to deposits | 52.9382% | 3,742 |
| Net loans and leases to core deposits | 53.5598% | 3,852 |
| Total domestic deposits to total assets | 90.8200% | 857 |
| Equity capital to assets | 8.3097% | 3,031 |
| Core capital (leverage) ratio | 8.5539% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4207% | 924 |
| Memoranda: | ||
| Average total assets | $424,804,500 | 1,956 |
| Average earning assets | $403,830,000 | 1,924 |
| Average equity | $34,966,000 | 2,081 |
| Average total loans | $202,167,500 | 2,290 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2853% | 3,624 |
| Cost of funding earning assets | 0.1891% | 3,844 |
| Net interest margin | 3.0962% | 3,182 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.4269% | 2,344 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9591% | 2,727 |
| Return on assets (ROA) | 0.9591% | 2,674 |
| Pretax return on assets | 0.9960% | 3,085 |
| Return on Equity (ROE) | 12.2800% | 2,046 |
| Retained earnings to average equity (ytd only) | 6.2184% | 2,565 |
| Net charge-offs to loans | -0.0033% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1776% | 1,660 |
| Assets per employee ($millions) | 7.5333% | 1,598 |
| Cash dividends to net income (ytd only)* | 49.3621% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,495 |
| Loan loss allowance to noncurrent loans | 207.4824% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 1,838 |
| Noncurrent loans to loans | 0.5683% | 1,310 |
| Net loans and leases to total assets | 46.0000% | 3,800 |
| Net loans and leases to deposits | 50.5103% | 3,874 |
| Net loans and leases to core deposits | 51.0221% | 3,940 |
| Total domestic deposits to total assets | 91.0700% | 929 |
| Equity capital to assets | 8.1542% | 2,960 |
| Core capital (leverage) ratio | 8.4598% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8345% | 853 |
| Memoranda: | ||
| Average total assets | $424,984,000 | 1,935 |
| Average earning assets | $401,915,800 | 1,912 |
| Average equity | $33,192,000 | 2,190 |
| Average total loans | $180,705,800 | 2,367 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 3,899 |
| Cost of funding earning assets | 0.1361% | 3,979 |
| Net interest margin | 2.8568% | 3,601 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.3795% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8389% | 3,101 |
| Return on assets (ROA) | 0.8389% | 3,073 |
| Pretax return on assets | 0.8713% | 3,416 |
| Return on Equity (ROE) | 10.8600% | 2,439 |
| Retained earnings to average equity (ytd only) | 2.6677% | 3,869 |
| Net charge-offs to loans | -0.0038% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.1979% | 1,360 |
| Assets per employee ($millions) | 7.5997% | 1,551 |
| Cash dividends to net income (ytd only)* | 75.4406% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,418 |
| Loan loss allowance to noncurrent loans | 194.1901% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 1,906 |
| Noncurrent loans to loans | 0.6287% | 1,292 |
| Net loans and leases to total assets | 41.2100% | 4,019 |
| Net loans and leases to deposits | 45.2667% | 4,055 |
| Net loans and leases to core deposits | 45.9280% | 4,113 |
| Total domestic deposits to total assets | 91.0300% | 1,229 |
| Equity capital to assets | 7.7330% | 3,066 |
| Core capital (leverage) ratio | 8.1704% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7257% | 759 |
| Memoranda: | ||
| Average total assets | $423,880,250 | 1,951 |
| Average earning assets | $399,789,000 | 1,928 |
| Average equity | $32,736,500 | 2,242 |
| Average total loans | $175,910,750 | 2,414 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7225% | 4,110 |
| Cost of funding earning assets | 0.0969% | 4,220 |
| Net interest margin | 2.6256% | 3,860 |
| Noninterest income to average assets | 0.5699% | 1,865 |
| Noninterest expense to average assets | 2.3613% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6569% | 3,453 |
| Return on assets (ROA) | 0.6569% | 3,402 |
| Pretax return on assets | 0.6811% | 3,623 |
| Return on Equity (ROE) | 8.5092% | 2,865 |
| Retained earnings to average equity (ytd only) | -3.8790% | 4,494 |
| Net charge-offs to loans | -0.0034% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6129% | 1,116 |
| Assets per employee ($millions) | 7.2560% | 1,767 |
| Cash dividends to net income (ytd only)* | 145.5861% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.8502% | 4,079 |
| Net loans and leases to deposits | 43.5090% | 4,128 |
| Net loans and leases to core deposits | 44.0467% | 4,186 |
| Total domestic deposits to total assets | 91.5908% | 1,003 |
| Equity capital to assets | 7.4977% | 3,482 |
| Core capital (leverage) ratio | 7.9030% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9061% | 735 |
| Memoranda: | ||
| Average total assets | $420,780,000 | 1,974 |
| Average earning assets | $396,249,667 | 1,954 |
| Average equity | $32,482,667 | 2,295 |
| Average total loans | $174,313,667 | 2,429 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4885% | 4,279 |
| Cost of funding earning assets | 0.0960% | 4,183 |
| Net interest margin | 2.3925% | 4,088 |
| Noninterest income to average assets | 0.5859% | 1,753 |
| Noninterest expense to average assets | 2.3581% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4565% | 3,827 |
| Return on assets (ROA) | 0.4565% | 3,792 |
| Pretax return on assets | 0.4747% | 3,912 |
| Return on Equity (ROE) | 5.8271% | 3,392 |
| Retained earnings to average equity (ytd only) | -18.8034% | 4,688 |
| Net charge-offs to loans | -0.0023% | 3,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2431% | 902 |
| Assets per employee ($millions) | 7.5904% | 1,632 |
| Cash dividends to net income (ytd only)* | 422.6891% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.4964% | 4,044 |
| Net loans and leases to deposits | 42.9001% | 4,121 |
| Net loans and leases to core deposits | 43.5889% | 4,182 |
| Total domestic deposits to total assets | 92.0659% | 550 |
| Equity capital to assets | 7.1818% | 4,110 |
| Core capital (leverage) ratio | 8.0904% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2510% | 869 |
| Memoranda: | ||
| Average total assets | $417,118,500 | 1,990 |
| Average earning assets | $391,717,000 | 1,982 |
| Average equity | $32,675,000 | 2,349 |
| Average total loans | $175,069,000 | 2,416 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1646% | 3,551 |
| Cost of funding earning assets | 0.1176% | 4,246 |
| Net interest margin | 3.0470% | 3,058 |
| Noninterest income to average assets | 0.8795% | 1,255 |
| Noninterest expense to average assets | 2.6216% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1095% | 2,255 |
| Return on assets (ROA) | 1.1101% | 2,313 |
| Pretax return on assets | 1.1101% | 2,933 |
| Return on Equity (ROE) | 13.8018% | 1,246 |
| Retained earnings to average equity (ytd only) | 9.6071% | 1,017 |
| Net charge-offs to loans | 0.0199% | 1,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 114.9143% | 813 |
| Efficiency ratio | 70.2625% | 1,705 |
| Assets per employee ($millions) | 6.5834% | 2,254 |
| Cash dividends to net income (ytd only)* | 30.3926% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.5408% | 3,863 |
| Net loans and leases to deposits | 47.8266% | 4,009 |
| Net loans and leases to core deposits | 48.5063% | 4,075 |
| Total domestic deposits to total assets | 91.0388% | 484 |
| Equity capital to assets | 8.5356% | 4,026 |
| Core capital (leverage) ratio | 8.7337% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8709% | 774 |
| Memoranda: | ||
| Average total assets | $362,490,200 | 2,139 |
| Average earning assets | $339,251,400 | 2,132 |
| Average equity | $29,155,600 | 2,588 |
| Average total loans | $175,997,200 | 2,414 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 3,300 |
| Cost of funding earning assets | 0.1239% | 4,314 |
| Net interest margin | 3.2093% | 2,703 |
| Noninterest income to average assets | 0.9189% | 1,220 |
| Noninterest expense to average assets | 2.6128% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3034% | 1,819 |
| Return on assets (ROA) | 1.3041% | 1,872 |
| Pretax return on assets | 1.3041% | 2,615 |
| Return on Equity (ROE) | 16.5018% | 849 |
| Retained earnings to average equity (ytd only) | 10.6521% | 1,135 |
| Net charge-offs to loans | -0.0015% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7181% | 2,002 |
| Assets per employee ($millions) | 6.8834% | 1,946 |
| Cash dividends to net income (ytd only)* | 35.4493% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,838 |
| Loan loss allowance to noncurrent loans | 2,485.5556% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,033 |
| Noncurrent loans to loans | 0.0495% | 3,865 |
| Net loans and leases to total assets | 45.7750% | 3,811 |
| Net loans and leases to deposits | 49.8255% | 4,015 |
| Net loans and leases to core deposits | 50.5451% | 4,106 |
| Total domestic deposits to total assets | 91.8706% | 153 |
| Equity capital to assets | 7.4234% | 4,723 |
| Core capital (leverage) ratio | 7.5247% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7390% | 1,181 |
| Memoranda: | ||
| Average total assets | $352,716,000 | 2,199 |
| Average earning assets | $329,407,000 | 2,213 |
| Average equity | $27,875,000 | 2,691 |
| Average total loans | $175,732,750 | 2,455 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 2,607 |
| Cost of funding earning assets | 0.1340% | 4,322 |
| Net interest margin | 3.4705% | 1,945 |
| Noninterest income to average assets | 0.9549% | 1,146 |
| Noninterest expense to average assets | 2.6869% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5016% | 1,286 |
| Return on assets (ROA) | 1.5028% | 1,345 |
| Pretax return on assets | 1.5028% | 2,003 |
| Return on Equity (ROE) | 18.5811% | 587 |
| Retained earnings to average equity (ytd only) | 9.6730% | 1,503 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1491% | 2,411 |
| Assets per employee ($millions) | 6.9884% | 1,820 |
| Cash dividends to net income (ytd only)* | 47.9420% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,610 |
| Loan loss allowance to noncurrent loans | 2,457.1429% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,097 |
| Noncurrent loans to loans | 0.0515% | 3,921 |
| Net loans and leases to total assets | 47.1457% | 3,813 |
| Net loans and leases to deposits | 51.3274% | 4,030 |
| Net loans and leases to core deposits | 51.9945% | 4,134 |
| Total domestic deposits to total assets | 91.8528% | 154 |
| Equity capital to assets | 7.5970% | 4,708 |
| Core capital (leverage) ratio | 8.1981% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8859% | 1,149 |
| Memoranda: | ||
| Average total assets | $339,502,667 | 2,260 |
| Average earning assets | $316,323,000 | 2,256 |
| Average equity | $27,458,000 | 2,705 |
| Average total loans | $173,697,667 | 2,480 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 2,074 |
| Cost of funding earning assets | 0.1450% | 4,339 |
| Net interest margin | 3.6656% | 1,412 |
| Noninterest income to average assets | 0.8825% | 1,374 |
| Noninterest expense to average assets | 2.6982% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5849% | 1,154 |
| Return on assets (ROA) | 1.5849% | 1,206 |
| Pretax return on assets | 1.5849% | 1,773 |
| Return on Equity (ROE) | 18.9394% | 628 |
| Retained earnings to average equity (ytd only) | 0.8998% | 4,236 |
| Net charge-offs to loans | -0.0023% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9971% | 2,607 |
| Assets per employee ($millions) | 6.4964% | 2,180 |
| Cash dividends to net income (ytd only)* | 95.2492% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,543 |
| Loan loss allowance to noncurrent loans | 2,405.3763% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 4,169 |
| Noncurrent loans to loans | 0.0531% | 4,024 |
| Net loans and leases to total assets | 51.2115% | 3,522 |
| Net loans and leases to deposits | 55.9138% | 3,796 |
| Net loans and leases to core deposits | 56.7127% | 3,929 |
| Total domestic deposits to total assets | 91.5900% | 226 |
| Equity capital to assets | 7.9781% | 4,507 |
| Core capital (leverage) ratio | 8.5500% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5534% | 1,154 |
| Memoranda: | ||
| Average total assets | $324,062,000 | 2,323 |
| Average earning assets | $300,630,500 | 2,322 |
| Average equity | $27,118,000 | 2,725 |
| Average total loans | $172,118,500 | 2,500 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 2,792 |
| Cost of funding earning assets | 0.2764% | 4,265 |
| Net interest margin | 3.7039% | 1,786 |
| Noninterest income to average assets | 0.8716% | 1,346 |
| Noninterest expense to average assets | 3.0024% | 1,432 |
| Loan and lease loss provision to assets | 0.2168% | 1,812 |
| Net operating income to assets | 1.1237% | 1,823 |
| Return on assets (ROA) | 1.1237% | 1,946 |
| Pretax return on assets | 1.1237% | 2,607 |
| Return on Equity (ROE) | 12.2514% | 1,245 |
| Retained earnings to average equity (ytd only) | 7.8725% | 1,092 |
| Net charge-offs to loans | 0.0342% | 2,362 |
| Credit loss provision to net charge-offs | 1,053.5714% | 756 |
| Earnings coverage of net charge-offs (x) | 65.1429% | 1,025 |
| Efficiency ratio | 69.1344% | 2,074 |
| Assets per employee ($millions) | 6.2063% | 2,161 |
| Cash dividends to net income (ytd only)* | 35.7423% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,299 |
| Loan loss allowance to noncurrent loans | 1,388.8199% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 3,831 |
| Noncurrent loans to loans | 0.0953% | 3,917 |
| Net loans and leases to total assets | 53.7412% | 3,515 |
| Net loans and leases to deposits | 59.2171% | 3,812 |
| Net loans and leases to core deposits | 59.8620% | 3,951 |
| Total domestic deposits to total assets | 90.7529% | 292 |
| Equity capital to assets | 8.7927% | 4,227 |
| Core capital (leverage) ratio | 8.7458% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9779% | 1,059 |
| Memoranda: | ||
| Average total assets | $272,146,200 | 2,449 |
| Average earning assets | $255,057,000 | 2,442 |
| Average equity | $24,960,400 | 2,806 |
| Average total loans | $163,898,400 | 2,536 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 2,600 |
| Cost of funding earning assets | 0.3092% | 4,274 |
| Net interest margin | 3.8162% | 1,575 |
| Noninterest income to average assets | 0.8367% | 1,380 |
| Noninterest expense to average assets | 3.0260% | 1,385 |
| Loan and lease loss provision to assets | 0.1980% | 2,003 |
| Net operating income to assets | 1.2028% | 1,626 |
| Return on assets (ROA) | 1.2028% | 1,753 |
| Pretax return on assets | 1.2028% | 2,378 |
| Return on Equity (ROE) | 12.9560% | 1,122 |
| Retained earnings to average equity (ytd only) | 6.9784% | 1,702 |
| Net charge-offs to loans | -0.0558% | 4,699 |
| Credit loss provision to net charge-offs | -573.5294% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3565% | 2,130 |
| Assets per employee ($millions) | 5.6573% | 2,570 |
| Cash dividends to net income (ytd only)* | 46.1376% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,468 |
| Loan loss allowance to noncurrent loans | 400.1852% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 3,498 |
| Noncurrent loans to loans | 0.3088% | 3,175 |
| Net loans and leases to total assets | 59.8587% | 3,244 |
| Net loans and leases to deposits | 66.4732% | 3,575 |
| Net loans and leases to core deposits | 67.1874% | 3,811 |
| Total domestic deposits to total assets | 90.0493% | 410 |
| Equity capital to assets | 9.1944% | 3,957 |
| Core capital (leverage) ratio | 9.3482% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1271% | 1,033 |
| Memoranda: | ||
| Average total assets | $262,604,500 | 2,494 |
| Average earning assets | $247,047,750 | 2,474 |
| Average equity | $24,379,250 | 2,848 |
| Average total loans | $162,622,500 | 2,553 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,782 |
| Cost of funding earning assets | 0.3623% | 4,212 |
| Net interest margin | 4.1872% | 953 |
| Noninterest income to average assets | 0.7371% | 1,616 |
| Noninterest expense to average assets | 2.9445% | 1,730 |
| Loan and lease loss provision to assets | 0.1890% | 2,132 |
| Net operating income to assets | 1.4348% | 1,044 |
| Return on assets (ROA) | 1.4348% | 1,132 |
| Pretax return on assets | 1.4348% | 1,627 |
| Return on Equity (ROE) | 15.3996% | 649 |
| Retained earnings to average equity (ytd only) | 6.1615% | 2,006 |
| Net charge-offs to loans | -0.0858% | 4,817 |
| Credit loss provision to net charge-offs | -352.9412% | 3,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4544% | 2,758 |
| Assets per employee ($millions) | 5.3237% | 2,810 |
| Cash dividends to net income (ytd only)* | 59.9890% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 2,906 |
| Loan loss allowance to noncurrent loans | 371.5342% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,574 |
| Noncurrent loans to loans | 0.3027% | 3,302 |
| Net loans and leases to total assets | 62.6323% | 3,056 |
| Net loans and leases to deposits | 69.4605% | 3,465 |
| Net loans and leases to core deposits | 70.3186% | 3,678 |
| Total domestic deposits to total assets | 90.1697% | 356 |
| Equity capital to assets | 9.2306% | 3,894 |
| Core capital (leverage) ratio | 9.4588% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7092% | 1,097 |
| Memoranda: | ||
| Average total assets | $253,965,000 | 2,520 |
| Average earning assets | $232,374,333 | 2,536 |
| Average equity | $23,663,000 | 2,878 |
| Average total loans | $158,541,000 | 2,578 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 3,076 |
| Cost of funding earning assets | 0.4489% | 4,158 |
| Net interest margin | 3.7981% | 1,980 |
| Noninterest income to average assets | 0.7237% | 1,554 |
| Noninterest expense to average assets | 2.9733% | 1,949 |
| Loan and lease loss provision to assets | 0.1501% | 1,898 |
| Net operating income to assets | 1.1556% | 1,674 |
| Return on assets (ROA) | 1.1556% | 1,780 |
| Pretax return on assets | 1.1556% | 2,350 |
| Return on Equity (ROE) | 12.3354% | 1,027 |
| Retained earnings to average equity (ytd only) | -7.1200% | 4,652 |
| Net charge-offs to loans | 0.0862% | 1,187 |
| Credit loss provision to net charge-offs | 281.2500% | 1,223 |
| Earnings coverage of net charge-offs (x) | 24.4688% | 1,298 |
| Efficiency ratio | 69.4856% | 2,430 |
| Assets per employee ($millions) | 5.2173% | 2,404 |
| Cash dividends to net income (ytd only)* | 157.7201% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,802 |
| Loan loss allowance to noncurrent loans | 288.0524% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 3,457 |
| Noncurrent loans to loans | 0.4080% | 3,032 |
| Net loans and leases to total assets | 60.3602% | 3,459 |
| Net loans and leases to deposits | 67.5828% | 3,755 |
| Net loans and leases to core deposits | 68.5525% | 3,959 |
| Total domestic deposits to total assets | 89.3130% | 543 |
| Equity capital to assets | 10.1369% | 3,666 |
| Core capital (leverage) ratio | 10.0852% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0129% | 1,145 |
| Memoranda: | ||
| Average total assets | $239,868,500 | 2,559 |
| Average earning assets | $224,532,000 | 2,542 |
| Average equity | $22,472,000 | 2,962 |
| Average total loans | $148,445,500 | 2,654 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 2,218 |
| Cost of funding earning assets | 0.4854% | 4,152 |
| Net interest margin | 4.2511% | 1,203 |
| Noninterest income to average assets | 0.8237% | 1,377 |
| Noninterest expense to average assets | 3.3183% | 1,260 |
| Loan and lease loss provision to assets | 0.1614% | 1,293 |
| Net operating income to assets | 1.2974% | 1,699 |
| Return on assets (ROA) | 1.2974% | 1,774 |
| Pretax return on assets | 1.2974% | 2,511 |
| Return on Equity (ROE) | 14.5670% | 783 |
| Retained earnings to average equity (ytd only) | 10.0205% | 483 |
| Net charge-offs to loans | -0.2676% | 5,079 |
| Credit loss provision to net charge-offs | -90.9091% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4624% | 2,252 |
| Assets per employee ($millions) | 5.5839% | 1,993 |
| Cash dividends to net income (ytd only)* | 31.2111% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,661 |
| Loan loss allowance to noncurrent loans | 1,329.6875% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,155 |
| Noncurrent loans to loans | 0.0870% | 4,174 |
| Net loans and leases to total assets | 62.0056% | 3,400 |
| Net loans and leases to deposits | 68.2374% | 3,801 |
| Net loans and leases to core deposits | 68.8415% | 4,036 |
| Total domestic deposits to total assets | 90.8675% | 134 |
| Equity capital to assets | 8.5650% | 4,886 |
| Core capital (leverage) ratio | 9.2751% | 4,302 |
| Tier 1 risk-based capital ratio | 14.0529% | 3,240 |
| Total risk-based capital ratio | 15.2398% | 3,182 |
| Memoranda: | ||
| Average total assets | $210,647,000 | 2,747 |
| Average earning assets | $195,903,600 | 2,743 |
| Average equity | $18,761,600 | 3,253 |
| Average total loans | $139,743,800 | 2,721 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8502% | 1,972 |
| Cost of funding earning assets | 0.4772% | 4,228 |
| Net interest margin | 4.3729% | 1,004 |
| Noninterest income to average assets | 0.8390% | 1,309 |
| Noninterest expense to average assets | 3.4004% | 1,089 |
| Loan and lease loss provision to assets | 0.1629% | 1,146 |
| Net operating income to assets | 1.3347% | 1,704 |
| Return on assets (ROA) | 1.3347% | 1,777 |
| Pretax return on assets | 1.3347% | 2,551 |
| Return on Equity (ROE) | 14.8231% | 816 |
| Retained earnings to average equity (ytd only) | 8.6522% | 1,149 |
| Net charge-offs to loans | -0.3664% | 5,169 |
| Credit loss provision to net charge-offs | -65.9631% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4241% | 2,199 |
| Assets per employee ($millions) | 4.9064% | 2,657 |
| Cash dividends to net income (ytd only)* | 41.6299% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,117 |
| Loan loss allowance to noncurrent loans | 1,243.8462% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,172 |
| Noncurrent loans to loans | 0.0870% | 4,254 |
| Net loans and leases to total assets | 71.6880% | 2,222 |
| Net loans and leases to deposits | 80.0570% | 2,890 |
| Net loans and leases to core deposits | 80.9444% | 3,314 |
| Total domestic deposits to total assets | 89.5462% | 433 |
| Equity capital to assets | 9.4076% | 4,525 |
| Core capital (leverage) ratio | 9.6819% | 3,994 |
| Tier 1 risk-based capital ratio | 13.6662% | 3,496 |
| Total risk-based capital ratio | 14.8020% | 3,457 |
| Memoranda: | ||
| Average total assets | $204,677,750 | 2,824 |
| Average earning assets | $189,982,250 | 2,819 |
| Average equity | $18,430,250 | 3,310 |
| Average total loans | $137,899,750 | 2,769 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7783% | 2,133 |
| Cost of funding earning assets | 0.4594% | 4,291 |
| Net interest margin | 4.3189% | 1,102 |
| Noninterest income to average assets | 0.8099% | 1,317 |
| Noninterest expense to average assets | 3.3945% | 1,112 |
| Loan and lease loss provision to assets | 0.1567% | 1,160 |
| Net operating income to assets | 1.2732% | 1,870 |
| Return on assets (ROA) | 1.2732% | 1,935 |
| Pretax return on assets | 1.2732% | 2,661 |
| Return on Equity (ROE) | 14.3554% | 905 |
| Retained earnings to average equity (ytd only) | 4.9360% | 2,799 |
| Net charge-offs to loans | -0.6414% | 5,239 |
| Credit loss provision to net charge-offs | -37.2093% | 3,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3613% | 2,166 |
| Assets per employee ($millions) | 5.2012% | 2,253 |
| Cash dividends to net income (ytd only)* | 65.6154% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,004 |
| Loan loss allowance to noncurrent loans | 116.5314% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,087 |
| Noncurrent loans to loans | 0.9557% | 1,709 |
| Net loans and leases to total assets | 67.3918% | 2,906 |
| Net loans and leases to deposits | 74.6293% | 3,461 |
| Net loans and leases to core deposits | 75.4380% | 3,775 |
| Total domestic deposits to total assets | 90.3021% | 240 |
| Equity capital to assets | 8.9567% | 4,819 |
| Core capital (leverage) ratio | 9.0535% | 4,590 |
| Tier 1 risk-based capital ratio | 13.8957% | 3,373 |
| Total risk-based capital ratio | 15.0693% | 3,311 |
| Memoranda: | ||
| Average total assets | $204,214,330 | 2,840 |
| Average earning assets | $189,815,670 | 2,830 |
| Average equity | $18,111,670 | 3,339 |
| Average total loans | $134,085,330 | 2,826 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 2,368 |
| Cost of funding earning assets | 0.4141% | 4,428 |
| Net interest margin | 4.2386% | 1,224 |
| Noninterest income to average assets | 0.7652% | 1,377 |
| Noninterest expense to average assets | 3.3989% | 1,109 |
| Loan and lease loss provision to assets | 0.1384% | 1,251 |
| Net operating income to assets | 1.1745% | 2,155 |
| Return on assets (ROA) | 1.1745% | 2,206 |
| Pretax return on assets | 1.1745% | 2,901 |
| Return on Equity (ROE) | 13.3106% | 1,133 |
| Retained earnings to average equity (ytd only) | -5.8038% | 4,968 |
| Net charge-offs to loans | -1.3176% | 5,316 |
| Credit loss provision to net charge-offs | -16.3170% | 3,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1360% | 2,021 |
| Assets per employee ($millions) | 4.9978% | 2,522 |
| Cash dividends to net income (ytd only)* | 143.6027% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,103 |
| Loan loss allowance to noncurrent loans | 109.5729% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 2,153 |
| Noncurrent loans to loans | 1.0086% | 1,656 |
| Net loans and leases to total assets | 63.4321% | 3,354 |
| Net loans and leases to deposits | 69.6299% | 3,792 |
| Net loans and leases to core deposits | 70.5369% | 4,054 |
| Total domestic deposits to total assets | 91.0990% | 155 |
| Equity capital to assets | 8.4604% | 5,014 |
| Core capital (leverage) ratio | 8.9721% | 4,672 |
| Tier 1 risk-based capital ratio | 13.7877% | 3,455 |
| Total risk-based capital ratio | 14.9287% | 3,416 |
| Memoranda: | ||
| Average total assets | $202,298,500 | 2,878 |
| Average earning assets | $188,365,500 | 2,869 |
| Average equity | $17,850,500 | 3,366 |
| Average total loans | $130,235,500 | 2,902 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 1,379 |
| Cost of funding earning assets | 0.4121% | 3,912 |
| Net interest margin | 4.4531% | 831 |
| Noninterest income to average assets | 0.8210% | 1,394 |
| Noninterest expense to average assets | 3.3070% | 1,304 |
| Loan and lease loss provision to assets | 0.1880% | 1,024 |
| Net operating income to assets | 1.1786% | 2,275 |
| Return on assets (ROA) | 1.1786% | 2,268 |
| Pretax return on assets | 1.1786% | 2,972 |
| Return on Equity (ROE) | 12.6045% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.5506% | 1,896 |
| Net charge-offs to loans | 0.0492% | 2,452 |
| Credit loss provision to net charge-offs | 596.4912% | 597 |
| Earnings coverage of net charge-offs (x) | 43.3684% | 1,240 |
| Efficiency ratio | 70.7594% | 2,076 |
| Assets per employee ($millions) | 4.6355% | 2,979 |
| Cash dividends to net income (ytd only)* | 48.0300% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 4,584 |
| Loan loss allowance to noncurrent loans | 874.3363% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,254 |
| Noncurrent loans to loans | 0.0898% | 4,348 |
| Net loans and leases to total assets | 64.1259% | 3,346 |
| Net loans and leases to deposits | 71.0212% | 3,749 |
| Net loans and leases to core deposits | 71.5840% | 4,024 |
| Total domestic deposits to total assets | 90.2912% | 385 |
| Equity capital to assets | 9.2157% | 4,394 |
| Core capital (leverage) ratio | 9.0176% | 4,639 |
| Tier 1 risk-based capital ratio | 14.9695% | 2,844 |
| Total risk-based capital ratio | 15.7807% | 2,965 |
| Memoranda: | ||
| Average total assets | $180,887,600 | 3,048 |
| Average earning assets | $156,499,200 | 3,175 |
| Average equity | $16,914,600 | 3,407 |
| Average total loans | $115,790,000 | 3,047 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 1,849 |
| Cost of funding earning assets | 0.3964% | 3,886 |
| Net interest margin | 4.2501% | 1,233 |
| Noninterest income to average assets | 0.8281% | 1,383 |
| Noninterest expense to average assets | 3.2762% | 1,356 |
| Loan and lease loss provision to assets | 0.1879% | 954 |
| Net operating income to assets | 1.1023% | 2,655 |
| Return on assets (ROA) | 1.1023% | 2,669 |
| Pretax return on assets | 1.1023% | 3,393 |
| Return on Equity (ROE) | 11.7420% | 1,886 |
| Retained earnings to average equity (ytd only) | 3.5458% | 3,994 |
| Net charge-offs to loans | 0.0553% | 2,028 |
| Credit loss provision to net charge-offs | 531.9149% | 661 |
| Earnings coverage of net charge-offs (x) | 36.5291% | 1,422 |
| Efficiency ratio | 71.7459% | 1,927 |
| Assets per employee ($millions) | 5.2746% | 2,146 |
| Cash dividends to net income (ytd only)* | 69.8024% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 4,703 |
| Loan loss allowance to noncurrent loans | 782.7586% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,233 |
| Noncurrent loans to loans | 0.0989% | 4,449 |
| Net loans and leases to total assets | 58.0862% | 4,030 |
| Net loans and leases to deposits | 63.9295% | 4,330 |
| Net loans and leases to core deposits | 64.3828% | 4,494 |
| Total domestic deposits to total assets | 90.8598% | 253 |
| Equity capital to assets | 8.5400% | 4,898 |
| Core capital (leverage) ratio | 9.3295% | 4,365 |
| Tier 1 risk-based capital ratio | 15.1276% | 2,826 |
| Total risk-based capital ratio | 15.9101% | 2,967 |
| Memoranda: | ||
| Average total assets | $177,437,250 | 3,102 |
| Average earning assets | $156,070,750 | 3,204 |
| Average equity | $16,657,750 | 3,456 |
| Average total loans | $113,279,000 | 3,118 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,790 |
| Cost of funding earning assets | 0.3850% | 3,837 |
| Net interest margin | 4.2133% | 1,253 |
| Noninterest income to average assets | 0.8329% | 1,375 |
| Noninterest expense to average assets | 3.3009% | 1,317 |
| Loan and lease loss provision to assets | 0.1885% | 934 |
| Net operating income to assets | 1.0956% | 2,601 |
| Return on assets (ROA) | 1.0956% | 2,608 |
| Pretax return on assets | 1.0956% | 3,334 |
| Return on Equity (ROE) | 11.2695% | 2,009 |
| Retained earnings to average equity (ytd only) | -1.1391% | 5,085 |
| Net charge-offs to loans | 0.0161% | 2,602 |
| Credit loss provision to net charge-offs | 1,777.7778% | 242 |
| Earnings coverage of net charge-offs (x) | 121.1111% | 612 |
| Efficiency ratio | 71.9938% | 2,012 |
| Assets per employee ($millions) | 4.6186% | 2,945 |
| Cash dividends to net income (ytd only)* | 110.1075% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 4,875 |
| Loan loss allowance to noncurrent loans | 265.0155% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,804 |
| Noncurrent loans to loans | 0.2740% | 3,734 |
| Net loans and leases to total assets | 64.9604% | 3,285 |
| Net loans and leases to deposits | 71.9610% | 3,715 |
| Net loans and leases to core deposits | 72.5999% | 3,974 |
| Total domestic deposits to total assets | 90.2718% | 477 |
| Equity capital to assets | 9.2092% | 4,372 |
| Core capital (leverage) ratio | 9.7081% | 3,872 |
| Tier 1 risk-based capital ratio | 14.6801% | 3,027 |
| Total risk-based capital ratio | 15.4190% | 3,193 |
| Memoranda: | ||
| Average total assets | $169,772,000 | 3,218 |
| Average earning assets | $151,187,670 | 3,279 |
| Average equity | $16,504,670 | 3,501 |
| Average total loans | $111,928,000 | 3,144 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,795 |
| Cost of funding earning assets | 0.3719% | 3,812 |
| Net interest margin | 4.1520% | 1,293 |
| Noninterest income to average assets | 0.7752% | 1,535 |
| Noninterest expense to average assets | 3.1641% | 1,654 |
| Loan and lease loss provision to assets | 0.1701% | 1,043 |
| Net operating income to assets | 1.1033% | 2,405 |
| Return on assets (ROA) | 1.1033% | 2,422 |
| Pretax return on assets | 1.1033% | 3,164 |
| Return on Equity (ROE) | 11.0308% | 1,955 |
| Retained earnings to average equity (ytd only) | -13.8492% | 5,438 |
| Net charge-offs to loans | -0.0147% | 4,409 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3034% | 2,299 |
| Assets per employee ($millions) | 4.0028% | 3,972 |
| Cash dividends to net income (ytd only)* | 225.5507% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 5,000 |
| Loan loss allowance to noncurrent loans | 213.4247% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 3,726 |
| Noncurrent loans to loans | 0.3350% | 3,568 |
| Net loans and leases to total assets | 64.3544% | 3,264 |
| Net loans and leases to deposits | 71.4223% | 3,669 |
| Net loans and leases to core deposits | 72.1035% | 3,946 |
| Total domestic deposits to total assets | 90.1040% | 619 |
| Equity capital to assets | 9.5837% | 4,009 |
| Core capital (leverage) ratio | 10.3201% | 3,168 |
| Tier 1 risk-based capital ratio | 15.7604% | 2,569 |
| Total risk-based capital ratio | 16.5037% | 2,702 |
| Memoranda: | ||
| Average total assets | $164,595,500 | 3,308 |
| Average earning assets | $145,181,500 | 3,392 |
| Average equity | $16,463,000 | 3,537 |
| Average total loans | $108,959,000 | 3,210 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,754 |
| Cost of funding earning assets | 0.3645% | 3,570 |
| Net interest margin | 4.1222% | 1,367 |
| Noninterest income to average assets | 0.7496% | 1,775 |
| Noninterest expense to average assets | 3.0050% | 2,160 |
| Loan and lease loss provision to assets | 0.0805% | 2,594 |
| Net operating income to assets | 1.3724% | 1,071 |
| Return on assets (ROA) | 1.3724% | 1,092 |
| Pretax return on assets | 1.3724% | 2,081 |
| Return on Equity (ROE) | 12.7260% | 1,019 |
| Retained earnings to average equity (ytd only) | 6.7391% | 1,178 |
| Net charge-offs to loans | 0.0861% | 2,233 |
| Credit loss provision to net charge-offs | 136.3636% | 1,938 |
| Earnings coverage of net charge-offs (x) | 24.6250% | 1,750 |
| Efficiency ratio | 67.4086% | 3,019 |
| Assets per employee ($millions) | 4.8810% | 2,630 |
| Cash dividends to net income (ytd only)* | 47.0445% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 5,162 |
| Loan loss allowance to noncurrent loans | 219.6262% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,813 |
| Noncurrent loans to loans | 0.2946% | 3,723 |
| Net loans and leases to total assets | 67.2010% | 2,939 |
| Net loans and leases to deposits | 75.3843% | 3,395 |
| Net loans and leases to core deposits | 76.1404% | 3,732 |
| Total domestic deposits to total assets | 89.1446% | 934 |
| Equity capital to assets | 10.4388% | 3,227 |
| Core capital (leverage) ratio | 10.7774% | 2,557 |
| Tier 1 risk-based capital ratio | 16.4356% | 2,290 |
| Total risk-based capital ratio | 17.1139% | 2,428 |
| Memoranda: | ||
| Average total assets | $149,151,800 | 3,480 |
| Average earning assets | $134,174,400 | 3,541 |
| Average equity | $16,085,200 | 3,581 |
| Average total loans | $102,263,200 | 3,311 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 1,676 |
| Cost of funding earning assets | 0.3640% | 3,513 |
| Net interest margin | 4.1256% | 1,325 |
| Noninterest income to average assets | 0.7708% | 1,700 |
| Noninterest expense to average assets | 2.9490% | 2,252 |
| Loan and lease loss provision to assets | 0.0821% | 2,451 |
| Net operating income to assets | 1.4613% | 974 |
| Return on assets (ROA) | 1.4613% | 990 |
| Pretax return on assets | 1.4613% | 1,911 |
| Return on Equity (ROE) | 13.4311% | 955 |
| Retained earnings to average equity (ytd only) | 5.3574% | 2,640 |
| Net charge-offs to loans | 0.1299% | 1,486 |
| Credit loss provision to net charge-offs | 91.8367% | 2,435 |
| Earnings coverage of net charge-offs (x) | 17.2657% | 2,110 |
| Efficiency ratio | 65.6447% | 3,272 |
| Assets per employee ($millions) | 4.3841% | 3,336 |
| Cash dividends to net income (ytd only)* | 60.1124% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6300% | 5,272 |
| Loan loss allowance to noncurrent loans | 598.1982% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 4,874 |
| Noncurrent loans to loans | 0.1053% | 4,640 |
| Net loans and leases to total assets | 68.2597% | 2,802 |
| Net loans and leases to deposits | 77.4611% | 3,231 |
| Net loans and leases to core deposits | 78.3587% | 3,600 |
| Total domestic deposits to total assets | 88.1212% | 1,302 |
| Equity capital to assets | 10.7500% | 3,118 |
| Core capital (leverage) ratio | 11.6224% | 1,931 |
| Tier 1 risk-based capital ratio | 16.8455% | 2,203 |
| Total risk-based capital ratio | 17.5188% | 2,350 |
| Memoranda: | ||
| Average total assets | $146,171,750 | 3,549 |
| Average earning assets | $131,855,250 | 3,603 |
| Average equity | $15,903,000 | 3,645 |
| Average total loans | $100,592,250 | 3,372 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 1,564 |
| Cost of funding earning assets | 0.3603% | 3,479 |
| Net interest margin | 4.1228% | 1,264 |
| Noninterest income to average assets | 0.7986% | 1,577 |
| Noninterest expense to average assets | 2.7729% | 2,851 |
| Loan and lease loss provision to assets | 0.0835% | 2,317 |
| Net operating income to assets | 1.6515% | 626 |
| Return on assets (ROA) | 1.6515% | 647 |
| Pretax return on assets | 1.6515% | 1,189 |
| Return on Equity (ROE) | 15.1156% | 642 |
| Retained earnings to average equity (ytd only) | 2.8525% | 4,013 |
| Net charge-offs to loans | 0.1798% | 1,102 |
| Credit loss provision to net charge-offs | 67.4157% | 2,404 |
| Earnings coverage of net charge-offs (x) | 14.0112% | 2,097 |
| Efficiency ratio | 61.5123% | 4,080 |
| Assets per employee ($millions) | 3.9677% | 4,009 |
| Cash dividends to net income (ytd only)* | 81.1289% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 5,323 |
| Loan loss allowance to noncurrent loans | 537.5000% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,555 |
| Noncurrent loans to loans | 0.1191% | 4,641 |
| Net loans and leases to total assets | 72.0813% | 2,190 |
| Net loans and leases to deposits | 82.5506% | 2,650 |
| Net loans and leases to core deposits | 83.7118% | 3,100 |
| Total domestic deposits to total assets | 87.3177% | 1,797 |
| Equity capital to assets | 11.5762% | 2,249 |
| Core capital (leverage) ratio | 11.2898% | 2,136 |
| Tier 1 risk-based capital ratio | 17.1907% | 2,107 |
| Total risk-based capital ratio | 17.8743% | 2,223 |
| Memoranda: | ||
| Average total assets | $143,748,330 | 3,599 |
| Average earning assets | $129,328,670 | 3,653 |
| Average equity | $15,705,670 | 3,676 |
| Average total loans | $98,988,670 | 3,413 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 1,895 |
| Cost of funding earning assets | 0.3506% | 3,527 |
| Net interest margin | 3.9728% | 1,544 |
| Noninterest income to average assets | 0.7990% | 1,557 |
| Noninterest expense to average assets | 2.5173% | 3,757 |
| Loan and lease loss provision to assets | 0.0821% | 2,175 |
| Net operating income to assets | 1.7649% | 479 |
| Return on assets (ROA) | 1.7649% | 489 |
| Pretax return on assets | 1.7649% | 870 |
| Return on Equity (ROE) | 16.6232% | 449 |
| Retained earnings to average equity (ytd only) | -8.1956% | 5,529 |
| Net charge-offs to loans | 0.3629% | 506 |
| Credit loss provision to net charge-offs | 33.7079% | 2,094 |
| Earnings coverage of net charge-offs (x) | 7.5843% | 2,123 |
| Efficiency ratio | 57.6803% | 4,751 |
| Assets per employee ($millions) | 4.6777% | 2,879 |
| Cash dividends to net income (ytd only)* | 149.3023% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 5,446 |
| Loan loss allowance to noncurrent loans | 354.9133% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 4,414 |
| Noncurrent loans to loans | 0.1751% | 4,495 |
| Net loans and leases to total assets | 67.7096% | 2,724 |
| Net loans and leases to deposits | 76.6370% | 3,119 |
| Net loans and leases to core deposits | 77.4953% | 3,514 |
| Total domestic deposits to total assets | 88.3511% | 1,508 |
| Equity capital to assets | 10.6393% | 3,025 |
| Core capital (leverage) ratio | 10.9223% | 2,452 |
| Tier 1 risk-based capital ratio | 16.6814% | 2,285 |
| Total risk-based capital ratio | 17.3346% | 2,465 |
| Memoranda: | ||
| Average total assets | $146,187,000 | 3,601 |
| Average earning assets | $131,192,000 | 3,661 |
| Average equity | $15,520,500 | 3,722 |
| Average total loans | $98,110,500 | 3,454 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 2,198 |
| Cost of funding earning assets | 0.3613% | 3,399 |
| Net interest margin | 3.9223% | 1,887 |
| Noninterest income to average assets | 0.6944% | 2,203 |
| Noninterest expense to average assets | 2.6052% | 3,663 |
| Loan and lease loss provision to assets | 0.3197% | 576 |
| Net operating income to assets | 1.3388% | 1,122 |
| Return on assets (ROA) | 1.3388% | 1,179 |
| Pretax return on assets | 1.3388% | 2,153 |
| Return on Equity (ROE) | 12.6143% | 1,088 |
| Retained earnings to average equity (ytd only) | 0.2489% | 5,217 |
| Net charge-offs to loans | 0.6018% | 382 |
| Credit loss provision to net charge-offs | 78.6325% | 2,989 |
| Earnings coverage of net charge-offs (x) | 4.0786% | 3,562 |
| Efficiency ratio | 61.1021% | 4,398 |
| Assets per employee ($millions) | 5.2630% | 2,102 |
| Cash dividends to net income (ytd only)* | 98.0270% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 5,375 |
| Loan loss allowance to noncurrent loans | 123.6697% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 3,438 |
| Noncurrent loans to loans | 0.5594% | 3,167 |
| Net loans and leases to total assets | 65.6520% | 3,122 |
| Net loans and leases to deposits | 74.3318% | 3,479 |
| Net loans and leases to core deposits | 75.1482% | 3,829 |
| Total domestic deposits to total assets | 88.3229% | 1,476 |
| Equity capital to assets | 10.5948% | 3,047 |
| Core capital (leverage) ratio | 10.6951% | 2,664 |
| Tier 1 risk-based capital ratio | 17.0746% | 2,130 |
| Total risk-based capital ratio | 17.7940% | 2,273 |
| Memoranda: | ||
| Average total assets | $143,864,800 | 3,610 |
| Average earning assets | $130,918,200 | 3,637 |
| Average equity | $15,268,400 | 3,779 |
| Average total loans | $97,208,600 | 3,437 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,132 |
| Cost of funding earning assets | 0.3621% | 3,417 |
| Net interest margin | 3.9476% | 1,823 |
| Noninterest income to average assets | 0.6816% | 2,255 |
| Noninterest expense to average assets | 2.6230% | 3,590 |
| Loan and lease loss provision to assets | 0.4010% | 365 |
| Net operating income to assets | 1.2457% | 1,470 |
| Return on assets (ROA) | 1.2457% | 1,575 |
| Pretax return on assets | 1.2457% | 2,634 |
| Return on Equity (ROE) | 11.7327% | 1,408 |
| Retained earnings to average equity (ytd only) | -4.8476% | 5,730 |
| Net charge-offs to loans | 0.7424% | 248 |
| Credit loss provision to net charge-offs | 79.4824% | 2,669 |
| Earnings coverage of net charge-offs (x) | 3.2643% | 3,448 |
| Efficiency ratio | 61.4326% | 4,321 |
| Assets per employee ($millions) | 5.5280% | 1,829 |
| Cash dividends to net income (ytd only)* | 141.3172% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 5,412 |
| Loan loss allowance to noncurrent loans | 464.1892% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,953 |
| Noncurrent loans to loans | 0.1528% | 4,738 |
| Net loans and leases to total assets | 64.4358% | 3,343 |
| Net loans and leases to deposits | 75.0347% | 3,495 |
| Net loans and leases to core deposits | 76.3748% | 3,800 |
| Total domestic deposits to total assets | 85.8747% | 2,421 |
| Equity capital to assets | 10.3834% | 3,700 |
| Core capital (leverage) ratio | 10.7158% | 2,768 |
| Tier 1 risk-based capital ratio | 16.3801% | 2,461 |
| Total risk-based capital ratio | 17.1105% | 2,621 |
| Memoranda: | ||
| Average total assets | $142,989,750 | 3,634 |
| Average earning assets | $129,966,500 | 3,672 |
| Average equity | $15,182,250 | 3,816 |
| Average total loans | $97,155,250 | 3,448 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,112 |
| Cost of funding earning assets | 0.3644% | 3,409 |
| Net interest margin | 3.9494% | 1,809 |
| Noninterest income to average assets | 0.6501% | 2,369 |
| Noninterest expense to average assets | 2.6288% | 3,618 |
| Loan and lease loss provision to assets | 0.5820% | 191 |
| Net operating income to assets | 1.0390% | 2,223 |
| Return on assets (ROA) | 1.0390% | 2,349 |
| Pretax return on assets | 1.0390% | 3,438 |
| Return on Equity (ROE) | 9.7102% | 2,178 |
| Retained earnings to average equity (ytd only) | -15.3346% | 5,937 |
| Net charge-offs to loans | 1.0241% | 177 |
| Credit loss provision to net charge-offs | 82.3293% | 2,340 |
| Earnings coverage of net charge-offs (x) | 2.2932% | 3,295 |
| Efficiency ratio | 61.8570% | 4,366 |
| Assets per employee ($millions) | 4.9771% | 2,323 |
| Cash dividends to net income (ytd only)* | 257.9235% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 5,470 |
| Loan loss allowance to noncurrent loans | 196.1326% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 3,376 |
| Noncurrent loans to loans | 0.3693% | 4,036 |
| Net loans and leases to total assets | 69.8240% | 2,509 |
| Net loans and leases to deposits | 82.4271% | 2,659 |
| Net loans and leases to core deposits | 83.8079% | 3,102 |
| Total domestic deposits to total assets | 84.7100% | 2,998 |
| Equity capital to assets | 10.6466% | 3,475 |
| Core capital (leverage) ratio | 10.4833% | 2,992 |
| Tier 1 risk-based capital ratio | 15.3711% | 2,918 |
| Total risk-based capital ratio | 16.1085% | 3,076 |
| Memoranda: | ||
| Average total assets | $140,900,670 | 3,699 |
| Average earning assets | $128,424,670 | 3,719 |
| Average equity | $15,077,000 | 3,847 |
| Average total loans | $97,253,000 | 3,454 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 2,271 |
| Cost of funding earning assets | 0.3599% | 3,500 |
| Net interest margin | 3.9002% | 1,935 |
| Noninterest income to average assets | 0.6466% | 2,284 |
| Noninterest expense to average assets | 2.5552% | 3,893 |
| Loan and lease loss provision to assets | 1.0729% | 87 |
| Net operating income to assets | 0.5675% | 4,334 |
| Return on assets (ROA) | 0.5675% | 4,437 |
| Pretax return on assets | 0.5675% | 4,908 |
| Return on Equity (ROE) | 5.2905% | 4,341 |
| Retained earnings to average equity (ytd only) | -34.3752% | 6,041 |
| Net charge-offs to loans | 2.0646% | 74 |
| Credit loss provision to net charge-offs | 76.0000% | 1,863 |
| Earnings coverage of net charge-offs (x) | 1.1620% | 2,855 |
| Efficiency ratio | 60.9017% | 4,613 |
| Assets per employee ($millions) | 5.4651% | 1,856 |
| Cash dividends to net income (ytd only)* | 749.7512% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 5,588 |
| Loan loss allowance to noncurrent loans | 137.4494% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,290 |
| Noncurrent loans to loans | 0.5117% | 3,647 |
| Net loans and leases to total assets | 67.4643% | 2,735 |
| Net loans and leases to deposits | 79.1581% | 2,888 |
| Net loans and leases to core deposits | 80.4502% | 3,283 |
| Total domestic deposits to total assets | 85.2273% | 3,032 |
| Equity capital to assets | 10.3031% | 3,742 |
| Core capital (leverage) ratio | 10.5286% | 2,927 |
| Tier 1 risk-based capital ratio | 15.0600% | 3,128 |
| Total risk-based capital ratio | 15.7585% | 3,325 |
| Memoranda: | ||
| Average total assets | $141,671,500 | 3,706 |
| Average earning assets | $128,917,500 | 3,734 |
| Average equity | $15,197,000 | 3,848 |
| Average total loans | $96,871,500 | 3,477 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,295 |
| Cost of funding earning assets | 0.3680% | 3,505 |
| Net interest margin | 3.9064% | 2,008 |
| Noninterest income to average assets | 0.7196% | 2,107 |
| Noninterest expense to average assets | 2.6925% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6265% | 666 |
| Return on assets (ROA) | 1.6265% | 684 |
| Pretax return on assets | 1.6265% | 1,177 |
| Return on Equity (ROE) | 14.3131% | 794 |
| Retained earnings to average equity (ytd only) | -3.0288% | 5,824 |
| Net charge-offs to loans | 0.1476% | 1,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.4706% | 2,127 |
| Efficiency ratio | 62.3403% | 4,553 |
| Assets per employee ($millions) | 5.4327% | 1,875 |
| Cash dividends to net income (ytd only)* | 121.1607% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 5,353 |
| Loan loss allowance to noncurrent loans | 79.9599% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 2,290 |
| Noncurrent loans to loans | 1.0267% | 2,283 |
| Net loans and leases to total assets | 68.2506% | 2,669 |
| Net loans and leases to deposits | 81.0261% | 2,706 |
| Net loans and leases to core deposits | 82.3691% | 3,103 |
| Total domestic deposits to total assets | 84.2329% | 3,387 |
| Equity capital to assets | 11.1533% | 2,676 |
| Core capital (leverage) ratio | 10.9187% | 2,479 |
| Tier 1 risk-based capital ratio | 16.2291% | 2,596 |
| Total risk-based capital ratio | 17.0408% | 2,722 |
| Memoranda: | ||
| Average total assets | $137,717,800 | 3,757 |
| Average earning assets | $126,894,000 | 3,760 |
| Average equity | $15,650,000 | 3,741 |
| Average total loans | $92,138,200 | 3,541 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 2,507 |
| Cost of funding earning assets | 0.3702% | 3,544 |
| Net interest margin | 3.8537% | 2,174 |
| Noninterest income to average assets | 0.7308% | 2,105 |
| Noninterest expense to average assets | 2.6747% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6058% | 760 |
| Return on assets (ROA) | 1.6058% | 790 |
| Pretax return on assets | 1.6058% | 1,364 |
| Return on Equity (ROE) | 14.0635% | 890 |
| Retained earnings to average equity (ytd only) | -5.7261% | 6,049 |
| Net charge-offs to loans | -0.0029% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4858% | 4,498 |
| Assets per employee ($millions) | 4.8733% | 2,454 |
| Cash dividends to net income (ytd only)* | 140.7158% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 4,903 |
| Loan loss allowance to noncurrent loans | 75.5645% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0522% | 2,250 |
| Noncurrent loans to loans | 1.2811% | 1,994 |
| Net loans and leases to total assets | 67.8236% | 2,702 |
| Net loans and leases to deposits | 79.0840% | 2,984 |
| Net loans and leases to core deposits | 80.5548% | 3,386 |
| Total domestic deposits to total assets | 85.7614% | 2,661 |
| Equity capital to assets | 11.0899% | 2,913 |
| Core capital (leverage) ratio | 11.2716% | 2,223 |
| Tier 1 risk-based capital ratio | 16.3275% | 2,659 |
| Total risk-based capital ratio | 17.2983% | 2,724 |
| Memoranda: | ||
| Average total assets | $136,834,750 | 3,809 |
| Average earning assets | $126,041,500 | 3,811 |
| Average equity | $15,624,000 | 3,777 |
| Average total loans | $90,872,250 | 3,603 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,421 |
| Cost of funding earning assets | 0.3750% | 3,551 |
| Net interest margin | 3.8576% | 2,115 |
| Noninterest income to average assets | 0.7241% | 2,117 |
| Noninterest expense to average assets | 2.6925% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5738% | 788 |
| Return on assets (ROA) | 1.5738% | 818 |
| Pretax return on assets | 1.5738% | 1,413 |
| Return on Equity (ROE) | 13.6471% | 973 |
| Retained earnings to average equity (ytd only) | -10.9177% | 6,189 |
| Net charge-offs to loans | -0.0067% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1105% | 4,501 |
| Assets per employee ($millions) | 4.8782% | 2,425 |
| Cash dividends to net income (ytd only)* | 180.0000% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,814 |
| Loan loss allowance to noncurrent loans | 81.0554% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 2,546 |
| Noncurrent loans to loans | 1.2471% | 2,165 |
| Net loans and leases to total assets | 64.8592% | 3,143 |
| Net loans and leases to deposits | 75.2806% | 3,350 |
| Net loans and leases to core deposits | 76.5314% | 3,715 |
| Total domestic deposits to total assets | 86.1566% | 2,604 |
| Equity capital to assets | 10.7989% | 3,107 |
| Core capital (leverage) ratio | 11.4600% | 2,028 |
| Tier 1 risk-based capital ratio | 17.3958% | 2,254 |
| Total risk-based capital ratio | 18.4421% | 2,280 |
| Memoranda: | ||
| Average total assets | $135,337,330 | 3,874 |
| Average earning assets | $124,275,670 | 3,876 |
| Average equity | $15,607,670 | 3,795 |
| Average total loans | $88,899,670 | 3,665 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 2,315 |
| Cost of funding earning assets | 0.3866% | 3,450 |
| Net interest margin | 3.8527% | 2,054 |
| Noninterest income to average assets | 0.7288% | 2,030 |
| Noninterest expense to average assets | 2.7277% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5272% | 805 |
| Return on assets (ROA) | 1.5272% | 849 |
| Pretax return on assets | 1.5272% | 1,472 |
| Return on Equity (ROE) | 12.8067% | 1,139 |
| Retained earnings to average equity (ytd only) | -25.4612% | 6,317 |
| Net charge-offs to loans | -0.0046% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1080% | 4,463 |
| Assets per employee ($millions) | 4.6722% | 2,805 |
| Cash dividends to net income (ytd only)* | 298.8119% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 4,704 |
| Loan loss allowance to noncurrent loans | 78.8364% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 2,503 |
| Noncurrent loans to loans | 1.3459% | 2,137 |
| Net loans and leases to total assets | 64.3463% | 3,047 |
| Net loans and leases to deposits | 75.2317% | 3,144 |
| Net loans and leases to core deposits | 77.0889% | 3,478 |
| Total domestic deposits to total assets | 85.5308% | 3,163 |
| Equity capital to assets | 11.3155% | 2,630 |
| Core capital (leverage) ratio | 11.6302% | 1,903 |
| Tier 1 risk-based capital ratio | 17.8134% | 2,192 |
| Total risk-based capital ratio | 18.8932% | 2,214 |
| Memoranda: | ||
| Average total assets | $132,272,000 | 3,950 |
| Average earning assets | $121,058,000 | 3,955 |
| Average equity | $15,773,000 | 3,787 |
| Average total loans | $87,003,500 | 3,726 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 2,158 |
| Cost of funding earning assets | 0.4257% | 3,431 |
| Net interest margin | 3.9940% | 1,918 |
| Noninterest income to average assets | 0.8038% | 1,859 |
| Noninterest expense to average assets | 2.7439% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6887% | 590 |
| Return on assets (ROA) | 1.6926% | 609 |
| Pretax return on assets | 1.6926% | 1,002 |
| Return on Equity (ROE) | 13.9420% | 941 |
| Retained earnings to average equity (ytd only) | -1.4656% | 5,964 |
| Net charge-offs to loans | 0.0563% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 47.4565% | 967 |
| Efficiency ratio | 61.9023% | 4,932 |
| Assets per employee ($millions) | 4.6089% | 2,863 |
| Cash dividends to net income (ytd only)* | 110.5119% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 4,601 |
| Loan loss allowance to noncurrent loans | 74.3039% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 2,434 |
| Noncurrent loans to loans | 1.4636% | 2,009 |
| Net loans and leases to total assets | 65.8293% | 2,913 |
| Net loans and leases to deposits | 78.3900% | 2,926 |
| Net loans and leases to core deposits | 80.4561% | 3,244 |
| Total domestic deposits to total assets | 83.9766% | 3,725 |
| Equity capital to assets | 12.5642% | 1,611 |
| Core capital (leverage) ratio | 12.6501% | 1,279 |
| Tier 1 risk-based capital ratio | 19.6606% | 1,667 |
| Total risk-based capital ratio | 20.7783% | 1,686 |
| Memoranda: | ||
| Average total assets | $129,268,400 | 3,985 |
| Average earning assets | $117,452,200 | 4,018 |
| Average equity | $15,693,600 | 3,726 |
| Average total loans | $81,638,800 | 3,831 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 2,284 |
| Cost of funding earning assets | 0.4256% | 3,517 |
| Net interest margin | 3.9567% | 2,009 |
| Noninterest income to average assets | 0.7990% | 1,899 |
| Noninterest expense to average assets | 2.7300% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6630% | 661 |
| Return on assets (ROA) | 1.6681% | 682 |
| Pretax return on assets | 1.6681% | 1,142 |
| Return on Equity (ROE) | 13.8611% | 1,014 |
| Retained earnings to average equity (ytd only) | -3.2468% | 6,159 |
| Net charge-offs to loans | 0.0778% | 3,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 34.3164% | 1,254 |
| Efficiency ratio | 62.1450% | 4,864 |
| Assets per employee ($millions) | 4.8134% | 2,499 |
| Cash dividends to net income (ytd only)* | 123.4239% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 4,613 |
| Loan loss allowance to noncurrent loans | 76.9802% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 2,709 |
| Noncurrent loans to loans | 1.4671% | 2,214 |
| Net loans and leases to total assets | 62.8496% | 3,365 |
| Net loans and leases to deposits | 73.1205% | 3,546 |
| Net loans and leases to core deposits | 75.2645% | 3,830 |
| Total domestic deposits to total assets | 85.9535% | 2,866 |
| Equity capital to assets | 12.1660% | 1,932 |
| Core capital (leverage) ratio | 12.8538% | 1,249 |
| Tier 1 risk-based capital ratio | 20.1030% | 1,646 |
| Total risk-based capital ratio | 21.2550% | 1,643 |
| Memoranda: | ||
| Average total assets | $129,323,250 | 4,021 |
| Average earning assets | $117,467,500 | 4,046 |
| Average equity | $15,563,500 | 3,757 |
| Average total loans | $80,577,000 | 3,886 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,313 |
| Cost of funding earning assets | 0.4226% | 3,628 |
| Net interest margin | 3.9422% | 2,006 |
| Noninterest income to average assets | 0.7745% | 1,939 |
| Noninterest expense to average assets | 2.7666% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6064% | 698 |
| Return on assets (ROA) | 1.6141% | 711 |
| Pretax return on assets | 1.6141% | 1,217 |
| Return on Equity (ROE) | 13.4617% | 1,060 |
| Retained earnings to average equity (ytd only) | -6.7954% | 6,339 |
| Net charge-offs to loans | 0.1176% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.0638% | 1,519 |
| Efficiency ratio | 63.2660% | 4,807 |
| Assets per employee ($millions) | 4.5917% | 2,779 |
| Cash dividends to net income (ytd only)* | 150.4798% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 4,585 |
| Loan loss allowance to noncurrent loans | 73.6385% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 2,691 |
| Noncurrent loans to loans | 1.5836% | 2,195 |
| Net loans and leases to total assets | 61.5029% | 3,482 |
| Net loans and leases to deposits | 72.2003% | 3,549 |
| Net loans and leases to core deposits | 74.9074% | 3,741 |
| Total domestic deposits to total assets | 85.1837% | 3,413 |
| Equity capital to assets | 12.2184% | 1,843 |
| Core capital (leverage) ratio | 12.5551% | 1,367 |
| Tier 1 risk-based capital ratio | 20.1781% | 1,644 |
| Total risk-based capital ratio | 21.3450% | 1,637 |
| Memoranda: | ||
| Average total assets | $129,110,670 | 4,051 |
| Average earning assets | $117,853,330 | 4,068 |
| Average equity | $15,481,000 | 3,772 |
| Average total loans | $79,898,330 | 3,913 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 2,339 |
| Cost of funding earning assets | 0.4203% | 3,756 |
| Net interest margin | 3.9287% | 1,983 |
| Noninterest income to average assets | 0.7729% | 1,863 |
| Noninterest expense to average assets | 2.8412% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5149% | 787 |
| Return on assets (ROA) | 1.5304% | 802 |
| Pretax return on assets | 1.5304% | 1,338 |
| Return on Equity (ROE) | 12.8848% | 1,185 |
| Retained earnings to average equity (ytd only) | -27.9300% | 6,610 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2236% | 4,654 |
| Assets per employee ($millions) | 4.7008% | 2,661 |
| Cash dividends to net income (ytd only)* | 316.7677% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 4,463 |
| Loan loss allowance to noncurrent loans | 76.0279% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 2,879 |
| Noncurrent loans to loans | 1.6229% | 2,400 |
| Net loans and leases to total assets | 59.5984% | 3,622 |
| Net loans and leases to deposits | 69.4275% | 3,672 |
| Net loans and leases to core deposits | 71.6619% | 3,903 |
| Total domestic deposits to total assets | 85.8427% | 3,437 |
| Equity capital to assets | 11.3439% | 2,384 |
| Core capital (leverage) ratio | 12.1663% | 1,559 |
| Tier 1 risk-based capital ratio | 19.4866% | 1,839 |
| Total risk-based capital ratio | 20.7119% | 1,813 |
| Memoranda: | ||
| Average total assets | $129,382,000 | 4,082 |
| Average earning assets | $118,004,500 | 4,095 |
| Average equity | $15,367,000 | 3,798 |
| Average total loans | $79,844,500 | 3,938 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 2,771 |
| Cost of funding earning assets | 0.4843% | 3,768 |
| Net interest margin | 3.8663% | 2,409 |
| Noninterest income to average assets | 0.7105% | 2,484 |
| Noninterest expense to average assets | 2.6608% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7038% | 578 |
| Return on assets (ROA) | 1.7469% | 547 |
| Pretax return on assets | 1.7469% | 858 |
| Return on Equity (ROE) | 13.9237% | 966 |
| Retained earnings to average equity (ytd only) | -2.4199% | 6,214 |
| Net charge-offs to loans | 0.2990% | 2,195 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.4085% | 2,509 |
| Efficiency ratio | 60.9640% | 5,361 |
| Assets per employee ($millions) | 4.7090% | 2,576 |
| Cash dividends to net income (ytd only)* | 117.3798% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 4,538 |
| Loan loss allowance to noncurrent loans | 74.8663% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.4692% | 2,533 |
| Noncurrent loans to loans | 1.6308% | 2,452 |
| Net loans and leases to total assets | 62.3589% | 3,312 |
| Net loans and leases to deposits | 74.7133% | 3,153 |
| Net loans and leases to core deposits | 77.2570% | 3,457 |
| Total domestic deposits to total assets | 83.4643% | 4,377 |
| Equity capital to assets | 12.4293% | 1,551 |
| Core capital (leverage) ratio | 12.7784% | 1,227 |
| Tier 1 risk-based capital ratio | 20.6795% | 1,494 |
| Total risk-based capital ratio | 21.8960% | 1,477 |
| Memoranda: | ||
| Average total assets | $129,772,200 | 4,077 |
| Average earning assets | $122,648,400 | 4,000 |
| Average equity | $16,281,600 | 3,658 |
| Average total loans | $78,588,600 | 3,987 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 3,149 |
| Cost of funding earning assets | 0.4936% | 3,836 |
| Net interest margin | 3.7689% | 2,764 |
| Noninterest income to average assets | 0.6839% | 2,714 |
| Noninterest expense to average assets | 2.6118% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6703% | 656 |
| Return on assets (ROA) | 1.7276% | 628 |
| Pretax return on assets | 1.7276% | 1,041 |
| Return on Equity (ROE) | 13.7385% | 1,058 |
| Retained earnings to average equity (ytd only) | -4.2922% | 6,461 |
| Net charge-offs to loans | 0.4008% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.9531% | 2,874 |
| Efficiency ratio | 60.9931% | 5,285 |
| Assets per employee ($millions) | 4.8111% | 2,425 |
| Cash dividends to net income (ytd only)* | 131.2425% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 4,650 |
| Loan loss allowance to noncurrent loans | 68.0807% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5366% | 2,630 |
| Noncurrent loans to loans | 1.8336% | 2,457 |
| Net loans and leases to total assets | 59.6182% | 3,755 |
| Net loans and leases to deposits | 70.2115% | 3,759 |
| Net loans and leases to core deposits | 72.5084% | 4,031 |
| Total domestic deposits to total assets | 84.9122% | 3,787 |
| Equity capital to assets | 12.1247% | 1,846 |
| Core capital (leverage) ratio | 13.0320% | 1,192 |
| Tier 1 risk-based capital ratio | 22.0588% | 1,310 |
| Total risk-based capital ratio | 23.3096% | 1,296 |
| Memoranda: | ||
| Average total assets | $130,429,500 | 4,102 |
| Average earning assets | $124,524,250 | 3,990 |
| Average equity | $16,401,250 | 3,687 |
| Average total loans | $78,169,500 | 4,022 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 3,126 |
| Cost of funding earning assets | 0.5173% | 3,731 |
| Net interest margin | 3.7403% | 2,802 |
| Noninterest income to average assets | 0.6615% | 2,848 |
| Noninterest expense to average assets | 2.6078% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6186% | 725 |
| Return on assets (ROA) | 1.7044% | 671 |
| Pretax return on assets | 1.7044% | 1,105 |
| Return on Equity (ROE) | 13.3948% | 1,142 |
| Retained earnings to average equity (ytd only) | -7.9069% | 6,605 |
| Net charge-offs to loans | 0.5276% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.1311% | 2,960 |
| Efficiency ratio | 61.7029% | 5,215 |
| Assets per employee ($millions) | 4.3351% | 3,117 |
| Cash dividends to net income (ytd only)* | 159.0296% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,471 |
| Loan loss allowance to noncurrent loans | 51.0897% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 2.1007% | 2,052 |
| Noncurrent loans to loans | 2.5594% | 1,801 |
| Net loans and leases to total assets | 58.5004% | 3,905 |
| Net loans and leases to deposits | 68.2329% | 3,974 |
| Net loans and leases to core deposits | 70.4506% | 4,221 |
| Total domestic deposits to total assets | 85.7365% | 3,511 |
| Equity capital to assets | 12.1275% | 1,830 |
| Core capital (leverage) ratio | 12.5507% | 1,341 |
| Tier 1 risk-based capital ratio | 21.7945% | 1,328 |
| Total risk-based capital ratio | 23.0453% | 1,301 |
| Memoranda: | ||
| Average total assets | $130,606,000 | 4,127 |
| Average earning assets | $124,482,000 | 4,027 |
| Average equity | $16,618,330 | 3,682 |
| Average total loans | $78,085,000 | 4,041 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2530% | 3,091 |
| Cost of funding earning assets | 0.5272% | 3,814 |
| Net interest margin | 3.7258% | 2,750 |
| Noninterest income to average assets | 0.6479% | 2,889 |
| Noninterest expense to average assets | 2.5336% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6564% | 640 |
| Return on assets (ROA) | 1.8276% | 507 |
| Pretax return on assets | 1.8276% | 842 |
| Return on Equity (ROE) | 14.0363% | 954 |
| Retained earnings to average equity (ytd only) | -16.8295% | 6,784 |
| Net charge-offs to loans | 1.0537% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6184% | 2,987 |
| Efficiency ratio | 60.4668% | 5,522 |
| Assets per employee ($millions) | 4.9667% | 2,260 |
| Cash dividends to net income (ytd only)* | 219.8997% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,663 |
| Loan loss allowance to noncurrent loans | 45.0358% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.3423% | 1,982 |
| Noncurrent loans to loans | 2.9003% | 1,733 |
| Net loans and leases to total assets | 56.7401% | 3,971 |
| Net loans and leases to deposits | 66.2623% | 4,016 |
| Net loans and leases to core deposits | 68.3676% | 4,256 |
| Total domestic deposits to total assets | 85.6295% | 3,720 |
| Equity capital to assets | 12.3541% | 1,803 |
| Core capital (leverage) ratio | 12.6620% | 1,268 |
| Tier 1 risk-based capital ratio | 21.8353% | 1,364 |
| Total risk-based capital ratio | 23.0865% | 1,335 |
| Memoranda: | ||
| Average total assets | $130,883,000 | 4,165 |
| Average earning assets | $124,429,500 | 4,057 |
| Average equity | $17,041,500 | 3,666 |
| Average total loans | $78,583,000 | 4,050 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 1,284 |
| Cost of funding earning assets | 0.7389% | 3,173 |
| Net interest margin | 4.3729% | 1,222 |
| Noninterest income to average assets | 0.7591% | 2,453 |
| Noninterest expense to average assets | 3.0031% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7963% | 513 |
| Return on assets (ROA) | 1.6863% | 714 |
| Pretax return on assets | 1.6863% | 1,168 |
| Return on Equity (ROE) | 12.1075% | 1,479 |
| Retained earnings to average equity (ytd only) | 1.0580% | 5,347 |
| Net charge-offs to loans | -0.0533% | 6,719 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5726% | 5,156 |
| Assets per employee ($millions) | 4.7283% | 2,606 |
| Cash dividends to net income (ytd only)* | 91.2612% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 3,677 |
| Loan loss allowance to noncurrent loans | 59.3933% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 2,102 |
| Noncurrent loans to loans | 2.5528% | 2,074 |
| Net loans and leases to total assets | 61.7679% | 3,290 |
| Net loans and leases to deposits | 73.4391% | 3,182 |
| Net loans and leases to core deposits | 75.5818% | 3,590 |
| Total domestic deposits to total assets | 84.1076% | 4,267 |
| Equity capital to assets | 13.7203% | 1,145 |
| Core capital (leverage) ratio | 13.4460% | 965 |
| Tier 1 risk-based capital ratio | 22.1959% | 1,231 |
| Total risk-based capital ratio | 23.4494% | 1,201 |
| Memoranda: | ||
| Average total assets | $125,537,800 | 4,237 |
| Average earning assets | $115,986,800 | 4,211 |
| Average equity | $17,485,000 | 3,540 |
| Average total loans | $80,635,000 | 4,022 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 1,121 |
| Cost of funding earning assets | 0.7929% | 3,005 |
| Net interest margin | 4.4449% | 1,100 |
| Noninterest income to average assets | 0.7903% | 2,277 |
| Noninterest expense to average assets | 3.0835% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7844% | 583 |
| Return on assets (ROA) | 1.7033% | 754 |
| Pretax return on assets | 1.7033% | 1,260 |
| Return on Equity (ROE) | 12.1832% | 1,571 |
| Retained earnings to average equity (ytd only) | 1.0222% | 5,757 |
| Net charge-offs to loans | -0.0759% | 6,796 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3436% | 4,917 |
| Assets per employee ($millions) | 4.4420% | 3,010 |
| Cash dividends to net income (ytd only)* | 91.6094% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 3,934 |
| Loan loss allowance to noncurrent loans | 58.8491% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.3995% | 2,219 |
| Noncurrent loans to loans | 2.5566% | 2,235 |
| Net loans and leases to total assets | 61.8493% | 3,409 |
| Net loans and leases to deposits | 74.2796% | 3,242 |
| Net loans and leases to core deposits | 77.1898% | 3,583 |
| Total domestic deposits to total assets | 83.2655% | 4,534 |
| Equity capital to assets | 13.6992% | 1,271 |
| Core capital (leverage) ratio | 13.4928% | 1,013 |
| Tier 1 risk-based capital ratio | 22.1573% | 1,301 |
| Total risk-based capital ratio | 23.4113% | 1,280 |
| Memoranda: | ||
| Average total assets | $125,006,000 | 4,291 |
| Average earning assets | $114,676,000 | 4,270 |
| Average equity | $17,477,250 | 3,576 |
| Average total loans | $80,776,250 | 4,062 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4467% | 804 |
| Cost of funding earning assets | 0.8454% | 2,833 |
| Net interest margin | 4.6013% | 828 |
| Noninterest income to average assets | 0.7371% | 2,486 |
| Noninterest expense to average assets | 3.0856% | 2,973 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8216% | 542 |
| Return on assets (ROA) | 1.7360% | 709 |
| Pretax return on assets | 1.7360% | 1,168 |
| Return on Equity (ROE) | 12.3302% | 1,565 |
| Retained earnings to average equity (ytd only) | 0.9988% | 5,677 |
| Net charge-offs to loans | -0.1784% | 6,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8788% | 5,101 |
| Assets per employee ($millions) | 4.2054% | 3,445 |
| Cash dividends to net income (ytd only)* | 91.8994% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,808 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.8876% | 1,913 |
| Noncurrent loans to loans | 1.9663% | 2,982 |
| Net loans and leases to total assets | 62.7867% | 3,273 |
| Net loans and leases to deposits | 75.5727% | 3,046 |
| Net loans and leases to core deposits | 78.6101% | 3,431 |
| Total domestic deposits to total assets | 83.0813% | 4,724 |
| Equity capital to assets | 13.7981% | 1,181 |
| Core capital (leverage) ratio | 13.5933% | 942 |
| Tier 1 risk-based capital ratio | 21.9342% | 1,311 |
| Total risk-based capital ratio | 23.1882% | 1,283 |
| Memoranda: | ||
| Average total assets | $123,735,330 | 4,335 |
| Average earning assets | $112,142,000 | 4,361 |
| Average equity | $17,420,670 | 3,580 |
| Average total loans | $80,738,330 | 4,085 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 1,316 |
| Cost of funding earning assets | 0.9227% | 2,494 |
| Net interest margin | 4.2792% | 1,533 |
| Noninterest income to average assets | 0.7150% | 2,580 |
| Noninterest expense to average assets | 2.8730% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6422% | 805 |
| Return on assets (ROA) | 1.5769% | 1,008 |
| Pretax return on assets | 1.5769% | 1,647 |
| Return on Equity (ROE) | 11.0862% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.6762% | 1,708 |
| Net charge-offs to loans | -0.1533% | 6,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6298% | 4,997 |
| Assets per employee ($millions) | 4.4316% | 3,124 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 4,172 |
| Loan loss allowance to noncurrent loans | 65.8991% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 3.3243% | 1,736 |
| Noncurrent loans to loans | 2.2708% | 2,836 |
| Net loans and leases to total assets | 63.7630% | 2,899 |
| Net loans and leases to deposits | 76.9128% | 2,685 |
| Net loans and leases to core deposits | 79.3304% | 3,131 |
| Total domestic deposits to total assets | 82.9030% | 4,969 |
| Equity capital to assets | 14.2151% | 945 |
| Core capital (leverage) ratio | 14.0916% | 779 |
| Tier 1 risk-based capital ratio | 21.8852% | 1,305 |
| Total risk-based capital ratio | 23.1384% | 1,279 |
| Memoranda: | ||
| Average total assets | $122,522,000 | 4,393 |
| Average earning assets | $108,806,000 | 4,462 |
| Average equity | $17,427,000 | 3,587 |
| Average total loans | $80,879,500 | 4,099 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4135% | 1,382 |
| Cost of funding earning assets | 1.1813% | 2,155 |
| Net interest margin | 4.2322% | 1,955 |
| Noninterest income to average assets | 0.8126% | 1,993 |
| Noninterest expense to average assets | 2.9881% | 3,635 |
| Loan and lease loss provision to assets | 0.2760% | 3,458 |
| Net operating income to assets | 1.3118% | 1,211 |
| Return on assets (ROA) | 1.2980% | 1,355 |
| Pretax return on assets | 1.2980% | 2,140 |
| Return on Equity (ROE) | 9.6510% | 2,185 |
| Retained earnings to average equity (ytd only) | 6.8625% | 1,568 |
| Net charge-offs to loans | 1.9856% | 697 |
| Credit loss provision to net charge-offs | 20.6061% | 5,911 |
| Earnings coverage of net charge-offs (x) | 1.1855% | 4,899 |
| Efficiency ratio | 65.3007% | 4,904 |
| Assets per employee ($millions) | 4.0319% | 3,784 |
| Cash dividends to net income (ytd only)* | 28.8931% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,297 |
| Loan loss allowance to noncurrent loans | 63.8843% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 3.5227% | 1,680 |
| Noncurrent loans to loans | 2.2508% | 2,896 |
| Net loans and leases to total assets | 66.3577% | 2,717 |
| Net loans and leases to deposits | 80.2353% | 2,481 |
| Net loans and leases to core deposits | 82.2556% | 3,145 |
| Total domestic deposits to total assets | 82.7039% | 4,877 |
| Equity capital to assets | 14.2322% | 992 |
| Core capital (leverage) ratio | 13.5603% | 944 |
| Tier 1 risk-based capital ratio | 21.5448% | 1,314 |
| Total risk-based capital ratio | 22.7974% | 1,280 |
| Memoranda: | ||
| Average total assets | $123,189,200 | 4,313 |
| Average earning assets | $109,540,000 | 4,406 |
| Average equity | $16,568,200 | 3,637 |
| Average total loans | $83,096,800 | 4,048 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 3,079 |
| Cost of funding earning assets | 1.2110% | 2,248 |
| Net interest margin | 3.7906% | 3,919 |
| Noninterest income to average assets | 0.7973% | 2,065 |
| Noninterest expense to average assets | 2.9511% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2186% | 1,604 |
| Return on assets (ROA) | 1.2186% | 1,713 |
| Pretax return on assets | 1.2186% | 2,571 |
| Return on Equity (ROE) | 9.1912% | 2,509 |
| Retained earnings to average equity (ytd only) | 7.1108% | 1,913 |
| Net charge-offs to loans | 2.6806% | 391 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.6736% | 5,118 |
| Efficiency ratio | 70.7752% | 3,795 |
| Assets per employee ($millions) | 4.3837% | 3,102 |
| Cash dividends to net income (ytd only)* | 22.6346% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,359 |
| Loan loss allowance to noncurrent loans | 39.9701% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.6342% | 1,728 |
| Noncurrent loans to loans | 2.4481% | 2,826 |
| Net loans and leases to total assets | 63.9200% | 3,322 |
| Net loans and leases to deposits | 77.3917% | 3,102 |
| Net loans and leases to core deposits | 81.4667% | 3,415 |
| Total domestic deposits to total assets | 82.5929% | 4,838 |
| Equity capital to assets | 13.4323% | 1,396 |
| Core capital (leverage) ratio | 13.5872% | 1,018 |
| Tier 1 risk-based capital ratio | 20.9398% | 1,466 |
| Total risk-based capital ratio | 21.9533% | 1,491 |
| Memoranda: | ||
| Average total assets | $123,747,000 | 4,323 |
| Average earning assets | $110,094,750 | 4,419 |
| Average equity | $16,406,500 | 3,672 |
| Average total loans | $83,512,000 | 4,075 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 3,618 |
| Cost of funding earning assets | 1.2675% | 2,137 |
| Net interest margin | 3.6329% | 4,589 |
| Noninterest income to average assets | 0.7927% | 2,058 |
| Noninterest expense to average assets | 2.7043% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3048% | 1,299 |
| Return on assets (ROA) | 1.2657% | 1,470 |
| Pretax return on assets | 1.2657% | 2,253 |
| Return on Equity (ROE) | 9.5901% | 2,274 |
| Retained earnings to average equity (ytd only) | 6.4264% | 2,179 |
| Net charge-offs to loans | 1.9953% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.9547% | 4,586 |
| Efficiency ratio | 67.4532% | 4,614 |
| Assets per employee ($millions) | 4.2479% | 3,259 |
| Cash dividends to net income (ytd only)* | 32.9897% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 2,400 |
| Loan loss allowance to noncurrent loans | 36.3576% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 5.7757% | 995 |
| Noncurrent loans to loans | 5.4736% | 1,157 |
| Net loans and leases to total assets | 65.6858% | 3,095 |
| Net loans and leases to deposits | 79.6945% | 2,845 |
| Net loans and leases to core deposits | 83.6032% | 3,273 |
| Total domestic deposits to total assets | 82.4220% | 5,016 |
| Equity capital to assets | 13.4193% | 1,329 |
| Core capital (leverage) ratio | 13.0649% | 1,132 |
| Tier 1 risk-based capital ratio | 20.5200% | 1,513 |
| Total risk-based capital ratio | 21.7840% | 1,482 |
| Memoranda: | ||
| Average total assets | $122,620,670 | 4,370 |
| Average earning assets | $108,564,000 | 4,486 |
| Average equity | $16,183,330 | 3,701 |
| Average total loans | $83,995,330 | 4,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 4,073 |
| Cost of funding earning assets | 1.2925% | 2,226 |
| Net interest margin | 3.5044% | 4,995 |
| Noninterest income to average assets | 0.7455% | 2,279 |
| Noninterest expense to average assets | 2.6778% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1705% | 1,598 |
| Return on assets (ROA) | 1.1280% | 1,788 |
| Pretax return on assets | 1.1280% | 2,652 |
| Return on Equity (ROE) | 8.6199% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.6199% | 1,513 |
| Net charge-offs to loans | 0.8688% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.9457% | 3,337 |
| Efficiency ratio | 69.5837% | 4,358 |
| Assets per employee ($millions) | 4.1879% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7628% | 1,145 |
| Loan loss allowance to noncurrent loans | 34.1714% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 7.1612% | 731 |
| Noncurrent loans to loans | 8.0851% | 609 |
| Net loans and leases to total assets | 64.3478% | 3,379 |
| Net loans and leases to deposits | 77.1640% | 3,224 |
| Net loans and leases to core deposits | 82.6322% | 3,363 |
| Total domestic deposits to total assets | 83.3909% | 4,747 |
| Equity capital to assets | 12.8793% | 1,435 |
| Core capital (leverage) ratio | 13.0310% | 1,111 |
| Tier 1 risk-based capital ratio | 20.2476% | 1,534 |
| Total risk-based capital ratio | 21.5174% | 1,500 |
| Memoranda: | ||
| Average total assets | $122,337,000 | 4,408 |
| Average earning assets | $108,321,000 | 4,520 |
| Average equity | $16,009,500 | 3,726 |
| Average total loans | $84,713,000 | 4,116 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 4,286 |
| Cost of funding earning assets | 1.5896% | 2,130 |
| Net interest margin | 3.4700% | 5,361 |
| Noninterest income to average assets | 0.9556% | 1,651 |
| Noninterest expense to average assets | 3.1514% | 3,268 |
| Loan and lease loss provision to assets | -0.8320% | 7,651 |
| Net operating income to assets | 1.6896% | 531 |
| Return on assets (ROA) | 1.6344% | 633 |
| Pretax return on assets | 1.6344% | 1,064 |
| Return on Equity (ROE) | 13.9049% | 902 |
| Retained earnings to average equity (ytd only) | 10.0020% | 527 |
| Net charge-offs to loans | 0.4734% | 3,725 |
| Credit loss provision to net charge-offs | -248.8372% | 7,071 |
| Earnings coverage of net charge-offs (x) | 2.5651% | 3,829 |
| Efficiency ratio | 78.6074% | 2,597 |
| Assets per employee ($millions) | 4.4088% | 3,009 |
| Cash dividends to net income (ytd only)* | 28.0685% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8754% | 978 |
| Loan loss allowance to noncurrent loans | 32.9438% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 7.6119% | 679 |
| Noncurrent loans to loans | 8.7281% | 548 |
| Net loans and leases to total assets | 70.4010% | 2,434 |
| Net loans and leases to deposits | 85.0655% | 2,269 |
| Net loans and leases to core deposits | 91.1795% | 2,593 |
| Total domestic deposits to total assets | 82.7610% | 4,903 |
| Equity capital to assets | 13.3050% | 1,253 |
| Core capital (leverage) ratio | 12.9471% | 1,145 |
| Tier 1 risk-based capital ratio | 19.5226% | 1,588 |
| Total risk-based capital ratio | 20.7951% | 1,555 |
| Memoranda: | ||
| Average total assets | $128,607,800 | 4,305 |
| Average earning assets | $113,170,600 | 4,393 |
| Average equity | $15,117,000 | 3,924 |
| Average total loans | $90,837,800 | 4,030 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 5,003 |
| Cost of funding earning assets | 1.6478% | 2,119 |
| Net interest margin | 3.3096% | 5,985 |
| Noninterest income to average assets | 0.9842% | 1,505 |
| Noninterest expense to average assets | 3.0757% | 3,449 |
| Loan and lease loss provision to assets | -0.4885% | 7,749 |
| Net operating income to assets | 1.3058% | 1,326 |
| Return on assets (ROA) | 1.2488% | 1,549 |
| Pretax return on assets | 1.2488% | 2,339 |
| Return on Equity (ROE) | 10.9526% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.9526% | 614 |
| Net charge-offs to loans | 0.0725% | 5,791 |
| Credit loss provision to net charge-offs | -960.0000% | 7,080 |
| Earnings coverage of net charge-offs (x) | 16.0588% | 1,401 |
| Efficiency ratio | 79.0065% | 2,485 |
| Assets per employee ($millions) | 4.6573% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9005% | 399 |
| Loan loss allowance to noncurrent loans | 34.9327% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 9.2209% | 476 |
| Noncurrent loans to loans | 11.1657% | 336 |
| Net loans and leases to total assets | 67.6159% | 3,305 |
| Net loans and leases to deposits | 80.5771% | 3,344 |
| Net loans and leases to core deposits | 87.5355% | 3,441 |
| Total domestic deposits to total assets | 83.9145% | 4,179 |
| Equity capital to assets | 12.4313% | 1,889 |
| Core capital (leverage) ratio | 12.2349% | 1,542 |
| Tier 1 risk-based capital ratio | 18.5676% | 1,855 |
| Total risk-based capital ratio | 19.8534% | 1,810 |
| Memoranda: | ||
| Average total assets | $131,000,250 | 4,301 |
| Average earning assets | $115,138,500 | 4,401 |
| Average equity | $14,936,750 | 4,002 |
| Average total loans | $91,976,000 | 4,072 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 4,819 |
| Cost of funding earning assets | 1.6491% | 2,393 |
| Net interest margin | 3.3772% | 5,727 |
| Noninterest income to average assets | 0.8120% | 2,058 |
| Noninterest expense to average assets | 2.6019% | 5,319 |
| Loan and lease loss provision to assets | 0.0301% | 6,640 |
| Net operating income to assets | 1.1390% | 1,727 |
| Return on assets (ROA) | 1.0817% | 1,990 |
| Pretax return on assets | 1.0817% | 2,840 |
| Return on Equity (ROE) | 9.7654% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.7654% | 900 |
| Net charge-offs to loans | -0.0150% | 7,247 |
| Credit loss provision to net charge-offs | -285.7143% | 6,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9972% | 4,381 |
| Assets per employee ($millions) | 4.4248% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4766% | 259 |
| Loan loss allowance to noncurrent loans | 38.8937% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 9.8427% | 420 |
| Noncurrent loans to loans | 11.5099% | 323 |
| Net loans and leases to total assets | 66.6495% | 3,698 |
| Net loans and leases to deposits | 79.5017% | 3,689 |
| Net loans and leases to core deposits | 88.5580% | 3,475 |
| Total domestic deposits to total assets | 83.8340% | 4,183 |
| Equity capital to assets | 11.7800% | 2,225 |
| Core capital (leverage) ratio | 11.4145% | 1,963 |
| Tier 1 risk-based capital ratio | 17.6859% | 2,036 |
| Total risk-based capital ratio | 18.9788% | 1,994 |
| Memoranda: | ||
| Average total assets | $132,751,330 | 4,284 |
| Average earning assets | $116,308,000 | 4,410 |
| Average equity | $14,705,000 | 4,049 |
| Average total loans | $93,142,670 | 4,077 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 5,005 |
| Cost of funding earning assets | 1.6478% | 2,665 |
| Net interest margin | 3.3568% | 5,761 |
| Noninterest income to average assets | 0.7794% | 2,121 |
| Noninterest expense to average assets | 2.4747% | 5,827 |
| Loan and lease loss provision to assets | 0.0593% | 6,050 |
| Net operating income to assets | 1.1736% | 1,605 |
| Return on assets (ROA) | 1.1084% | 1,886 |
| Pretax return on assets | 1.1084% | 2,705 |
| Return on Equity (ROE) | 10.3176% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.3176% | 1,080 |
| Net charge-offs to loans | 0.7878% | 1,948 |
| Credit loss provision to net charge-offs | 10.6952% | 5,036 |
| Earnings coverage of net charge-offs (x) | 2.2246% | 3,429 |
| Efficiency ratio | 66.7466% | 4,964 |
| Assets per employee ($millions) | 4.5122% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1268% | 334 |
| Loan loss allowance to noncurrent loans | 39.8287% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 8.3574% | 581 |
| Noncurrent loans to loans | 10.3613% | 400 |
| Net loans and leases to total assets | 65.4578% | 4,002 |
| Net loans and leases to deposits | 76.9539% | 4,229 |
| Net loans and leases to core deposits | 85.7830% | 3,932 |
| Total domestic deposits to total assets | 85.0611% | 3,646 |
| Equity capital to assets | 10.8455% | 2,903 |
| Core capital (leverage) ratio | 11.0047% | 2,228 |
| Tier 1 risk-based capital ratio | 16.6303% | 2,401 |
| Total risk-based capital ratio | 17.9183% | 2,339 |
| Memoranda: | ||
| Average total assets | $134,967,500 | 4,303 |
| Average earning assets | $117,730,000 | 4,427 |
| Average equity | $14,499,500 | 4,126 |
| Average total loans | $94,948,000 | 4,104 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 3,536 |
| Cost of funding earning assets | 2.3060% | 1,631 |
| Net interest margin | 3.3080% | 5,707 |
| Noninterest income to average assets | 0.8291% | 2,276 |
| Noninterest expense to average assets | 2.3505% | 6,603 |
| Loan and lease loss provision to assets | 4.8125% | 217 |
| Net operating income to assets | -3.3926% | 7,484 |
| Return on assets (ROA) | -3.4163% | 7,490 |
| Pretax return on assets | -3.4163% | 7,397 |
| Return on Equity (ROE) | -37.7075% | 7,532 |
| Retained earnings to average equity (ytd only) | -37.7075% | 7,521 |
| Net charge-offs to loans | 3.7720% | 475 |
| Credit loss provision to net charge-offs | 169.1199% | 2,530 |
| Earnings coverage of net charge-offs (x) | 0.4990% | 5,611 |
| Efficiency ratio | 62.3401% | 6,093 |
| Assets per employee ($millions) | 4.2053% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0852% | 342 |
| Loan loss allowance to noncurrent loans | 47.4273% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 7.5775% | 633 |
| Noncurrent loans to loans | 8.6135% | 556 |
| Net loans and leases to total assets | 69.4754% | 3,369 |
| Net loans and leases to deposits | 82.2546% | 3,581 |
| Net loans and leases to core deposits | 100.8957% | 3,911 |
| Total domestic deposits to total assets | 84.4638% | 3,813 |
| Equity capital to assets | 10.6398% | 3,035 |
| Core capital (leverage) ratio | 10.4329% | 2,666 |
| Tier 1 risk-based capital ratio | 15.4593% | 2,736 |
| Total risk-based capital ratio | 16.7471% | 2,671 |
| Memoranda: | ||
| Average total assets | $138,950,600 | 4,143 |
| Average earning assets | $123,548,800 | 4,229 |
| Average equity | $12,589,000 | 4,613 |
| Average total loans | $104,826,200 | 3,810 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 3,333 |
| Cost of funding earning assets | 2.4246% | 1,548 |
| Net interest margin | 3.2763% | 5,725 |
| Noninterest income to average assets | 0.8426% | 2,233 |
| Noninterest expense to average assets | 2.3458% | 6,569 |
| Loan and lease loss provision to assets | 3.2636% | 421 |
| Net operating income to assets | -1.8222% | 7,246 |
| Return on assets (ROA) | -1.8460% | 7,251 |
| Pretax return on assets | -1.8460% | 7,110 |
| Return on Equity (ROE) | -21.2661% | 7,416 |
| Retained earnings to average equity (ytd only) | -21.2661% | 7,384 |
| Net charge-offs to loans | 2.9225% | 588 |
| Credit loss provision to net charge-offs | 146.6210% | 3,309 |
| Earnings coverage of net charge-offs (x) | 0.6476% | 5,380 |
| Efficiency ratio | 61.9407% | 6,117 |
| Assets per employee ($millions) | 4.2561% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2890% | 1,310 |
| Loan loss allowance to noncurrent loans | 40.5199% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 5.4113% | 1,065 |
| Noncurrent loans to loans | 5.6492% | 1,098 |
| Net loans and leases to total assets | 73.2775% | 2,716 |
| Net loans and leases to deposits | 84.7114% | 3,533 |
| Net loans and leases to core deposits | 103.2431% | 4,029 |
| Total domestic deposits to total assets | 86.5025% | 2,424 |
| Equity capital to assets | 8.5906% | 6,125 |
| Core capital (leverage) ratio | 8.4078% | 5,657 |
| Tier 1 risk-based capital ratio | 11.5763% | 5,368 |
| Total risk-based capital ratio | 12.8442% | 5,285 |
| Memoranda: | ||
| Average total assets | $140,045,750 | 4,137 |
| Average earning assets | $125,872,250 | 4,212 |
| Average equity | $12,156,750 | 4,755 |
| Average total loans | $106,664,000 | 3,803 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7979% | 3,055 |
| Cost of funding earning assets | 2.4995% | 1,612 |
| Net interest margin | 3.2984% | 5,562 |
| Noninterest income to average assets | 0.8208% | 2,311 |
| Noninterest expense to average assets | 2.3689% | 6,559 |
| Loan and lease loss provision to assets | 1.9501% | 837 |
| Net operating income to assets | -0.5477% | 6,595 |
| Return on assets (ROA) | -0.5703% | 6,630 |
| Pretax return on assets | -0.5703% | 6,499 |
| Return on Equity (ROE) | -6.5481% | 6,764 |
| Retained earnings to average equity (ytd only) | -6.5481% | 6,515 |
| Net charge-offs to loans | 0.5380% | 2,717 |
| Credit loss provision to net charge-offs | 473.5395% | 983 |
| Earnings coverage of net charge-offs (x) | 3.4055% | 3,449 |
| Efficiency ratio | 62.8143% | 6,117 |
| Assets per employee ($millions) | 4.3415% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1827% | 1,270 |
| Loan loss allowance to noncurrent loans | 43.8827% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 4.8882% | 1,108 |
| Noncurrent loans to loans | 4.9739% | 1,238 |
| Net loans and leases to total assets | 75.3230% | 2,362 |
| Net loans and leases to deposits | 87.9598% | 3,182 |
| Net loans and leases to core deposits | 105.3361% | 3,915 |
| Total domestic deposits to total assets | 85.6335% | 2,947 |
| Equity capital to assets | 8.7125% | 5,735 |
| Core capital (leverage) ratio | 8.4971% | 5,452 |
| Tier 1 risk-based capital ratio | 11.5152% | 5,361 |
| Total risk-based capital ratio | 12.7796% | 5,280 |
| Memoranda: | ||
| Average total assets | $141,329,000 | 4,151 |
| Average earning assets | $126,424,000 | 4,217 |
| Average equity | $12,309,000 | 4,736 |
| Average total loans | $108,172,330 | 3,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8983% | 2,803 |
| Cost of funding earning assets | 2.5605% | 1,699 |
| Net interest margin | 3.3378% | 5,376 |
| Noninterest income to average assets | 0.7970% | 2,343 |
| Noninterest expense to average assets | 2.3153% | 6,486 |
| Loan and lease loss provision to assets | 1.9364% | 627 |
| Net operating income to assets | -0.4659% | 6,844 |
| Return on assets (ROA) | -0.4827% | 6,917 |
| Pretax return on assets | -0.4827% | 6,809 |
| Return on Equity (ROE) | -5.5432% | 7,024 |
| Retained earnings to average equity (ytd only) | -5.5432% | 6,626 |
| Net charge-offs to loans | 0.0074% | 5,575 |
| Credit loss provision to net charge-offs | 34,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 160 |
| Efficiency ratio | 61.1564% | 6,227 |
| Assets per employee ($millions) | 4.0500% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 1,887 |
| Loan loss allowance to noncurrent loans | 143.2692% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.9852% | 2,928 |
| Noncurrent loans to loans | 1.2460% | 4,480 |
| Net loans and leases to total assets | 75.1838% | 2,460 |
| Net loans and leases to deposits | 87.6026% | 3,354 |
| Net loans and leases to core deposits | 104.9711% | 4,032 |
| Total domestic deposits to total assets | 85.8236% | 2,813 |
| Equity capital to assets | 8.7062% | 5,756 |
| Core capital (leverage) ratio | 8.5325% | 5,467 |
| Tier 1 risk-based capital ratio | 11.5839% | 5,333 |
| Total risk-based capital ratio | 12.8408% | 5,220 |
| Memoranda: | ||
| Average total assets | $142,530,000 | 4,137 |
| Average earning assets | $127,630,500 | 4,202 |
| Average equity | $12,411,500 | 4,724 |
| Average total loans | $108,769,000 | 3,819 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5796% | 2,581 |
| Cost of funding earning assets | 2.8364% | 2,548 |
| Net interest margin | 3.7432% | 4,256 |
| Noninterest income to average assets | 0.9174% | 1,894 |
| Noninterest expense to average assets | 2.4753% | 6,104 |
| Loan and lease loss provision to assets | 0.6412% | 2,267 |
| Net operating income to assets | 1.2739% | 1,557 |
| Return on assets (ROA) | 1.2739% | 1,507 |
| Pretax return on assets | 1.2739% | 2,394 |
| Return on Equity (ROE) | 14.5331% | 1,003 |
| Retained earnings to average equity (ytd only) | 5.5563% | 1,740 |
| Net charge-offs to loans | 0.6308% | 1,951 |
| Credit loss provision to net charge-offs | 125.0350% | 4,277 |
| Earnings coverage of net charge-offs (x) | 3.7343% | 4,238 |
| Efficiency ratio | 56.3797% | 6,956 |
| Assets per employee ($millions) | 4.4784% | 2,647 |
| Cash dividends to net income (ytd only)* | 61.7680% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 4,876 |
| Loan loss allowance to noncurrent loans | 109.3750% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.8163% | 2,710 |
| Noncurrent loans to loans | 1.0566% | 4,460 |
| Net loans and leases to total assets | 75.1992% | 2,831 |
| Net loans and leases to deposits | 88.4112% | 3,737 |
| Net loans and leases to core deposits | 105.9864% | 4,201 |
| Total domestic deposits to total assets | 85.0562% | 2,818 |
| Equity capital to assets | 8.7098% | 5,795 |
| Core capital (leverage) ratio | 8.6992% | 5,199 |
| Tier 1 risk-based capital ratio | 11.6644% | 5,084 |
| Total risk-based capital ratio | 12.8470% | 5,044 |
| Memoranda: | ||
| Average total assets | $139,417,600 | 4,089 |
| Average earning assets | $129,355,000 | 4,052 |
| Average equity | $12,220,400 | 4,771 |
| Average total loans | $113,342,600 | 3,603 |