Home > First National Bank of Jasper > Performance and Condition Ratios
First National Bank of Jasper, Performance and Condition Ratios
| 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 | 4.3156% | 3,264 |
| Cost of funding earning assets | 0.7396% | 3,676 |
| Net interest margin | 3.5760% | 2,062 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.0380% | 3,498 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5232% | 1,077 |
| Return on assets (ROA) | 1.5210% | 1,072 |
| Pretax return on assets | 1.8587% | 915 |
| Return on Equity (ROE) | 16.8100% | 1,110 |
| Retained earnings to average equity (ytd only) | 15.5565% | 504 |
| Net charge-offs to loans | 0.2822% | 302 |
| Credit loss provision to net charge-offs | 30.2013% | 1,973 |
| Earnings coverage of net charge-offs (x) | 27.8255% | 1,633 |
| Efficiency ratio | 51.9917% | 3,756 |
| Assets per employee ($millions) | 6.4284% | 2,374 |
| Cash dividends to net income (ytd only)* | 7.4605% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,559 |
| Loan loss allowance to noncurrent loans | 1,515.5556% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,685 |
| Noncurrent loans to loans | 0.0627% | 3,305 |
| Net loans and leases to total assets | 24.5700% | 4,392 |
| Net loans and leases to deposits | 28.3378% | 4,399 |
| Net loans and leases to core deposits | 28.8359% | 4,397 |
| Total domestic deposits to total assets | 86.7100% | 1,977 |
| Equity capital to assets | 9.0789% | 2,376 |
| Core capital (leverage) ratio | 14.3378% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $293,750,500 | 2,455 |
| Average earning assets | $277,063,500 | 2,435 |
| Average equity | $26,577,750 | 2,417 |
| Average total loans | $70,403,000 | 3,550 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 3,222 |
| Cost of funding earning assets | 0.5153% | 3,950 |
| Net interest margin | 3.7191% | 1,785 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.0173% | 3,552 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.7036% | 775 |
| Return on assets (ROA) | 1.7003% | 780 |
| Pretax return on assets | 2.0844% | 644 |
| Return on Equity (ROE) | 18.8100% | 853 |
| Retained earnings to average equity (ytd only) | 16.9398% | 395 |
| Net charge-offs to loans | 0.2631% | 319 |
| Credit loss provision to net charge-offs | 16.3043% | 1,779 |
| Earnings coverage of net charge-offs (x) | 33.6739% | 1,494 |
| Efficiency ratio | 49.0125% | 3,995 |
| Assets per employee ($millions) | 6.3359% | 2,441 |
| Cash dividends to net income (ytd only)* | 9.9602% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,383 |
| Loan loss allowance to noncurrent loans | 864.6341% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,358 |
| Noncurrent loans to loans | 0.1169% | 2,892 |
| Net loans and leases to total assets | 24.3600% | 4,415 |
| Net loans and leases to deposits | 29.3547% | 4,407 |
| Net loans and leases to core deposits | 29.9015% | 4,404 |
| Total domestic deposits to total assets | 82.9800% | 3,053 |
| Equity capital to assets | 9.6606% | 2,055 |
| Core capital (leverage) ratio | 14.0580% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $295,242,000 | 2,457 |
| Average earning assets | $278,672,333 | 2,430 |
| Average equity | $26,682,667 | 2,428 |
| Average total loans | $69,948,667 | 3,569 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 3,173 |
| Cost of funding earning assets | 0.2986% | 4,199 |
| Net interest margin | 3.8359% | 1,609 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.0126% | 3,602 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.8728% | 595 |
| Return on assets (ROA) | 1.8728% | 587 |
| Pretax return on assets | 2.3030% | 482 |
| Return on Equity (ROE) | 21.4200% | 627 |
| Retained earnings to average equity (ytd only) | 21.4231% | 305 |
| Net charge-offs to loans | 0.4983% | 164 |
| Credit loss provision to net charge-offs | 11.4943% | 1,399 |
| Earnings coverage of net charge-offs (x) | 19.9885% | 1,452 |
| Efficiency ratio | 46.4923% | 4,190 |
| Assets per employee ($millions) | 6.4418% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,447 |
| Loan loss allowance to noncurrent loans | 898.7342% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,513 |
| Noncurrent loans to loans | 0.1133% | 2,955 |
| Net loans and leases to total assets | 23.8200% | 4,481 |
| Net loans and leases to deposits | 26.6841% | 4,491 |
| Net loans and leases to core deposits | 27.1484% | 4,489 |
| Total domestic deposits to total assets | 89.2500% | 1,442 |
| Equity capital to assets | 9.6667% | 2,024 |
| Core capital (leverage) ratio | 13.1793% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $300,304,500 | 2,469 |
| Average earning assets | $283,947,000 | 2,432 |
| Average equity | $26,252,000 | 2,475 |
| Average total loans | $69,844,000 | 3,608 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8753% | 4,260 |
| Cost of funding earning assets | 0.1696% | 4,003 |
| Net interest margin | 2.7057% | 4,048 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.7902% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8957% | 2,978 |
| Return on assets (ROA) | 0.8957% | 2,913 |
| Pretax return on assets | 1.0710% | 2,859 |
| Return on Equity (ROE) | 10.5200% | 2,640 |
| Retained earnings to average equity (ytd only) | 9.6383% | 1,265 |
| Net charge-offs to loans | 0.0530% | 1,137 |
| Credit loss provision to net charge-offs | 27.7778% | 1,906 |
| Earnings coverage of net charge-offs (x) | 99.2222% | 978 |
| Efficiency ratio | 62.5026% | 2,696 |
| Assets per employee ($millions) | 6.3414% | 2,474 |
| Cash dividends to net income (ytd only)* | 8.3921% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,758 |
| Loan loss allowance to noncurrent loans | 614.8438% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,389 |
| Noncurrent loans to loans | 0.1830% | 2,573 |
| Net loans and leases to total assets | 22.2600% | 4,530 |
| Net loans and leases to deposits | 24.3862% | 4,543 |
| Net loans and leases to core deposits | 26.7095% | 4,516 |
| Total domestic deposits to total assets | 91.2600% | 854 |
| Equity capital to assets | 7.8789% | 3,137 |
| Core capital (leverage) ratio | 12.5602% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $332,592,800 | 2,290 |
| Average earning assets | $317,771,600 | 2,248 |
| Average equity | $28,314,000 | 2,414 |
| Average total loans | $67,890,600 | 3,612 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6187% | 4,374 |
| Cost of funding earning assets | 0.1552% | 3,793 |
| Net interest margin | 2.4635% | 4,245 |
| Noninterest income to average assets | -0.0500% | 4,732 |
| Noninterest expense to average assets | 1.7807% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4630% | 4,143 |
| Return on assets (ROA) | 0.4630% | 4,088 |
| Pretax return on assets | 0.5242% | 4,111 |
| Return on Equity (ROE) | 5.3500% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.3474% | 2,977 |
| Net charge-offs to loans | 0.0059% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 443.0000% | 351 |
| Efficiency ratio | 77.2587% | 972 |
| Assets per employee ($millions) | 6.4203% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,637 |
| Loan loss allowance to noncurrent loans | 647.2000% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,509 |
| Noncurrent loans to loans | 0.1824% | 2,674 |
| Net loans and leases to total assets | 21.5300% | 4,575 |
| Net loans and leases to deposits | 23.4546% | 4,587 |
| Net loans and leases to core deposits | 26.2947% | 4,557 |
| Total domestic deposits to total assets | 91.7800% | 945 |
| Equity capital to assets | 7.4703% | 3,235 |
| Core capital (leverage) ratio | 11.3630% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $338,059,250 | 2,283 |
| Average earning assets | $323,818,500 | 2,237 |
| Average equity | $29,272,000 | 2,399 |
| Average total loans | $67,378,250 | 3,635 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3604% | 4,483 |
| Cost of funding earning assets | 0.1500% | 3,577 |
| Net interest margin | 2.2104% | 4,417 |
| Noninterest income to average assets | -0.1978% | 4,761 |
| Noninterest expense to average assets | 1.7497% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1850% | 4,440 |
| Return on assets (ROA) | 0.1850% | 4,402 |
| Pretax return on assets | 0.1740% | 4,434 |
| Return on Equity (ROE) | 2.0516% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.0516% | 3,735 |
| Net charge-offs to loans | 0.0060% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 643 |
| Efficiency ratio | 90.9528% | 368 |
| Assets per employee ($millions) | 7.3216% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,728 |
| Loan loss allowance to noncurrent loans | 890.1099% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,720 |
| Noncurrent loans to loans | 0.1339% | 3,041 |
| Net loans and leases to total assets | 19.5199% | 4,659 |
| Net loans and leases to deposits | 21.1732% | 4,667 |
| Net loans and leases to core deposits | 23.9946% | 4,648 |
| Total domestic deposits to total assets | 92.1916% | 763 |
| Equity capital to assets | 7.2235% | 3,649 |
| Core capital (leverage) ratio | 10.4390% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,881,333 | 2,258 |
| Average earning assets | $331,981,667 | 2,218 |
| Average equity | $31,195,667 | 2,356 |
| Average total loans | $66,994,000 | 3,674 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3132% | 4,448 |
| Cost of funding earning assets | 0.1534% | 3,454 |
| Net interest margin | 2.1598% | 4,386 |
| Noninterest income to average assets | -0.3830% | 4,790 |
| Noninterest expense to average assets | 1.7707% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0104% | 4,555 |
| Return on assets (ROA) | -0.0104% | 4,536 |
| Pretax return on assets | -0.0750% | 4,557 |
| Return on Equity (ROE) | -0.1048% | 4,535 |
| Retained earnings to average equity (ytd only) | -0.1048% | 4,027 |
| Net charge-offs to loans | 0.0241% | 1,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -16.2500% | 1,818 |
| Efficiency ratio | 104.4218% | 182 |
| Assets per employee ($millions) | 7.5589% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,776 |
| Loan loss allowance to noncurrent loans | 11,542.8571% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,468 |
| Noncurrent loans to loans | 0.0105% | 3,941 |
| Net loans and leases to total assets | 18.4860% | 4,688 |
| Net loans and leases to deposits | 20.3956% | 4,696 |
| Net loans and leases to core deposits | 23.1277% | 4,674 |
| Total domestic deposits to total assets | 90.6372% | 1,222 |
| Equity capital to assets | 8.7325% | 2,946 |
| Core capital (leverage) ratio | 10.5441% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,764,500 | 2,271 |
| Average earning assets | $333,730,000 | 2,213 |
| Average equity | $34,365,000 | 2,277 |
| Average total loans | $66,500,500 | 3,689 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4253% | 4,528 |
| Cost of funding earning assets | 0.1735% | 3,738 |
| Net interest margin | 2.2519% | 4,455 |
| Noninterest income to average assets | 0.3208% | 3,488 |
| Noninterest expense to average assets | 1.8551% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5512% | 3,982 |
| Return on assets (ROA) | 0.5512% | 4,028 |
| Pretax return on assets | 0.6303% | 4,062 |
| Return on Equity (ROE) | 4.6046% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.2830% | 3,504 |
| Net charge-offs to loans | 0.0187% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 153.2308% | 649 |
| Efficiency ratio | 74.6404% | 1,237 |
| Assets per employee ($millions) | 6.6325% | 2,211 |
| Cash dividends to net income (ytd only)* | 28.7026% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,786 |
| Loan loss allowance to noncurrent loans | 13,533.3333% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 3,559 |
| Noncurrent loans to loans | 0.0090% | 4,036 |
| Net loans and leases to total assets | 19.4247% | 4,722 |
| Net loans and leases to deposits | 22.0356% | 4,725 |
| Net loans and leases to core deposits | 25.2056% | 4,704 |
| Total domestic deposits to total assets | 88.1514% | 1,956 |
| Equity capital to assets | 11.1470% | 1,702 |
| Core capital (leverage) ratio | 11.4431% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,043,200 | 2,360 |
| Average earning assets | $303,791,600 | 2,314 |
| Average equity | $37,831,400 | 2,160 |
| Average total loans | $69,705,000 | 3,654 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4872% | 4,577 |
| Cost of funding earning assets | 0.1824% | 3,785 |
| Net interest margin | 2.3049% | 4,490 |
| Noninterest income to average assets | 0.2748% | 3,775 |
| Noninterest expense to average assets | 1.8663% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5462% | 4,108 |
| Return on assets (ROA) | 0.5462% | 4,151 |
| Pretax return on assets | 0.6231% | 4,199 |
| Return on Equity (ROE) | 4.4792% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.5989% | 3,713 |
| Net charge-offs to loans | 0.0132% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 207.2857% | 541 |
| Efficiency ratio | 74.9698% | 1,127 |
| Assets per employee ($millions) | 6.6814% | 2,115 |
| Cash dividends to net income (ytd only)* | 19.6541% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,906 |
| Loan loss allowance to noncurrent loans | 1,995.1220% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,629 |
| Noncurrent loans to loans | 0.0610% | 3,795 |
| Net loans and leases to total assets | 19.8637% | 4,799 |
| Net loans and leases to deposits | 22.6169% | 4,807 |
| Net loans and leases to core deposits | 25.7004% | 4,781 |
| Total domestic deposits to total assets | 87.8269% | 1,944 |
| Equity capital to assets | 11.3760% | 1,757 |
| Core capital (leverage) ratio | 11.5063% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,489,000 | 2,411 |
| Average earning assets | $298,316,750 | 2,367 |
| Average equity | $37,862,750 | 2,188 |
| Average total loans | $70,501,750 | 3,691 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5472% | 4,584 |
| Cost of funding earning assets | 0.1914% | 3,836 |
| Net interest margin | 2.3558% | 4,462 |
| Noninterest income to average assets | 0.2597% | 3,836 |
| Noninterest expense to average assets | 1.8848% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5571% | 4,082 |
| Return on assets (ROA) | 0.5571% | 4,133 |
| Pretax return on assets | 0.6358% | 4,178 |
| Return on Equity (ROE) | 4.4585% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.4585% | 3,374 |
| Net charge-offs to loans | 0.0223% | 1,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 120.2500% | 668 |
| Efficiency ratio | 74.7771% | 1,179 |
| Assets per employee ($millions) | 6.5948% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,076 |
| Loan loss allowance to noncurrent loans | 764.4860% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 3,541 |
| Noncurrent loans to loans | 0.1537% | 3,434 |
| Net loans and leases to total assets | 21.2927% | 4,815 |
| Net loans and leases to deposits | 24.3224% | 4,828 |
| Net loans and leases to core deposits | 28.3009% | 4,800 |
| Total domestic deposits to total assets | 87.5433% | 2,074 |
| Equity capital to assets | 11.6895% | 1,525 |
| Core capital (leverage) ratio | 11.5951% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,628,000 | 2,446 |
| Average earning assets | $290,433,000 | 2,398 |
| Average equity | $37,815,667 | 2,184 |
| Average total loans | $71,610,000 | 3,696 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4904% | 4,651 |
| Cost of funding earning assets | 0.1955% | 3,951 |
| Net interest margin | 2.2949% | 4,530 |
| Noninterest income to average assets | 0.3065% | 3,576 |
| Noninterest expense to average assets | 1.9400% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5021% | 4,174 |
| Return on assets (ROA) | 0.5021% | 4,211 |
| Pretax return on assets | 0.5664% | 4,248 |
| Return on Equity (ROE) | 3.8799% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.8799% | 3,538 |
| Net charge-offs to loans | 0.0331% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 761 |
| Efficiency ratio | 77.4017% | 1,006 |
| Assets per employee ($millions) | 6.5505% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,364 |
| Loan loss allowance to noncurrent loans | 162.0553% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 2,723 |
| Noncurrent loans to loans | 0.6870% | 1,868 |
| Net loans and leases to total assets | 23.1643% | 4,822 |
| Net loans and leases to deposits | 26.5409% | 4,832 |
| Net loans and leases to core deposits | 31.0813% | 4,799 |
| Total domestic deposits to total assets | 87.2780% | 2,191 |
| Equity capital to assets | 11.9396% | 1,315 |
| Core capital (leverage) ratio | 12.3961% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2131% | 123 |
| Memoranda: | ||
| Average total assets | $292,370,000 | 2,469 |
| Average earning assets | $280,273,000 | 2,436 |
| Average equity | $37,836,500 | 2,168 |
| Average total loans | $72,603,000 | 3,696 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0035% | 4,629 |
| Cost of funding earning assets | 0.2367% | 4,431 |
| Net interest margin | 2.7669% | 4,300 |
| Noninterest income to average assets | 0.3947% | 3,121 |
| Noninterest expense to average assets | 1.8706% | 4,364 |
| Loan and lease loss provision to assets | 0.0077% | 4,257 |
| Net operating income to assets | 1.0143% | 2,247 |
| Return on assets (ROA) | 1.0143% | 2,387 |
| Pretax return on assets | 1.1465% | 2,524 |
| Return on Equity (ROE) | 7.2089% | 3,119 |
| Retained earnings to average equity (ytd only) | 5.8353% | 1,880 |
| Net charge-offs to loans | 0.0099% | 2,964 |
| Credit loss provision to net charge-offs | 285.7143% | 1,787 |
| Earnings coverage of net charge-offs (x) | 426.5714% | 265 |
| Efficiency ratio | 61.8403% | 3,167 |
| Assets per employee ($millions) | 5.6316% | 2,704 |
| Cash dividends to net income (ytd only)* | 19.0549% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,198 |
| Loan loss allowance to noncurrent loans | 793.2692% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,368 |
| Noncurrent loans to loans | 0.1453% | 3,704 |
| Net loans and leases to total assets | 26.1645% | 4,819 |
| Net loans and leases to deposits | 30.8363% | 4,824 |
| Net loans and leases to core deposits | 34.4061% | 4,798 |
| Total domestic deposits to total assets | 84.8496% | 2,823 |
| Equity capital to assets | 14.1064% | 767 |
| Core capital (leverage) ratio | 13.9035% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.4832% | 97 |
| Memoranda: | ||
| Average total assets | $258,693,800 | 2,522 |
| Average earning assets | $245,910,400 | 2,486 |
| Average equity | $36,399,400 | 2,157 |
| Average total loans | $70,795,600 | 3,719 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 4,697 |
| Cost of funding earning assets | 0.2476% | 4,519 |
| Net interest margin | 2.8074% | 4,332 |
| Noninterest income to average assets | 0.4743% | 2,721 |
| Noninterest expense to average assets | 2.1966% | 3,688 |
| Loan and lease loss provision to assets | 0.0106% | 4,168 |
| Net operating income to assets | 0.7855% | 3,150 |
| Return on assets (ROA) | 0.7855% | 3,263 |
| Pretax return on assets | 0.9330% | 3,288 |
| Return on Equity (ROE) | 5.5866% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.6598% | 2,716 |
| Net charge-offs to loans | 0.0170% | 2,531 |
| Credit loss provision to net charge-offs | 222.2222% | 2,033 |
| Earnings coverage of net charge-offs (x) | 201.1111% | 490 |
| Efficiency ratio | 69.9535% | 1,894 |
| Assets per employee ($millions) | 5.5720% | 2,649 |
| Cash dividends to net income (ytd only)* | 16.5893% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,254 |
| Loan loss allowance to noncurrent loans | 814.8515% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 3,302 |
| Noncurrent loans to loans | 0.1339% | 3,844 |
| Net loans and leases to total assets | 27.8891% | 4,852 |
| Net loans and leases to deposits | 32.8469% | 4,868 |
| Net loans and leases to core deposits | 36.2293% | 4,840 |
| Total domestic deposits to total assets | 84.9063% | 2,482 |
| Equity capital to assets | 13.9178% | 882 |
| Core capital (leverage) ratio | 13.7094% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4834% | 124 |
| Memoranda: | ||
| Average total assets | $255,788,000 | 2,525 |
| Average earning assets | $242,872,750 | 2,496 |
| Average equity | $35,966,250 | 2,163 |
| Average total loans | $70,606,500 | 3,740 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 4,702 |
| Cost of funding earning assets | 0.2603% | 4,595 |
| Net interest margin | 2.9604% | 4,211 |
| Noninterest income to average assets | 0.5208% | 2,489 |
| Noninterest expense to average assets | 2.2461% | 3,665 |
| Loan and lease loss provision to assets | 0.0159% | 4,034 |
| Net operating income to assets | 0.8892% | 2,733 |
| Return on assets (ROA) | 0.8892% | 2,852 |
| Pretax return on assets | 1.0671% | 2,813 |
| Return on Equity (ROE) | 6.3015% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.3015% | 1,936 |
| Net charge-offs to loans | 0.0435% | 1,876 |
| Credit loss provision to net charge-offs | 133.3333% | 2,213 |
| Earnings coverage of net charge-offs (x) | 90.9333% | 742 |
| Efficiency ratio | 67.4696% | 2,311 |
| Assets per employee ($millions) | 5.2349% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,958 |
| Loan loss allowance to noncurrent loans | 1,541.5094% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,466 |
| Noncurrent loans to loans | 0.0724% | 4,173 |
| Net loans and leases to total assets | 27.6486% | 4,895 |
| Net loans and leases to deposits | 32.6892% | 4,909 |
| Net loans and leases to core deposits | 34.5419% | 4,893 |
| Total domestic deposits to total assets | 84.5801% | 2,536 |
| Equity capital to assets | 13.9769% | 861 |
| Core capital (leverage) ratio | 13.7911% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.7622% | 123 |
| Memoranda: | ||
| Average total assets | $251,898,667 | 2,533 |
| Average earning assets | $238,957,667 | 2,497 |
| Average equity | $35,547,000 | 2,182 |
| Average total loans | $69,004,000 | 3,773 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4436% | 4,696 |
| Cost of funding earning assets | 0.2766% | 4,716 |
| Net interest margin | 3.1670% | 3,940 |
| Noninterest income to average assets | 0.5863% | 2,102 |
| Noninterest expense to average assets | 2.3160% | 3,738 |
| Loan and lease loss provision to assets | 0.0162% | 3,594 |
| Net operating income to assets | 1.0317% | 2,070 |
| Return on assets (ROA) | 1.0317% | 2,169 |
| Pretax return on assets | 1.2584% | 2,004 |
| Return on Equity (ROE) | 7.2741% | 2,844 |
| Retained earnings to average equity (ytd only) | 7.2741% | 1,452 |
| Net charge-offs to loans | -0.0060% | 3,909 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5016% | 3,148 |
| Assets per employee ($millions) | 4.7479% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,482 |
| Loan loss allowance to noncurrent loans | 1,287.5000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 3,549 |
| Noncurrent loans to loans | 0.0959% | 4,125 |
| Net loans and leases to total assets | 26.1938% | 4,957 |
| Net loans and leases to deposits | 30.9255% | 4,965 |
| Net loans and leases to core deposits | 32.6334% | 4,958 |
| Total domestic deposits to total assets | 84.6996% | 2,527 |
| Equity capital to assets | 14.0709% | 1,034 |
| Core capital (leverage) ratio | 13.9478% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.8095% | 106 |
| Memoranda: | ||
| Average total assets | $246,975,000 | 2,511 |
| Average earning assets | $234,290,000 | 2,475 |
| Average equity | $35,028,500 | 2,197 |
| Average total loans | $66,913,000 | 3,822 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 4,865 |
| Cost of funding earning assets | 0.2709% | 4,799 |
| Net interest margin | 3.2152% | 4,154 |
| Noninterest income to average assets | 0.4760% | 2,872 |
| Noninterest expense to average assets | 2.3158% | 3,909 |
| Loan and lease loss provision to assets | 0.0397% | 3,223 |
| Net operating income to assets | 0.9525% | 3,009 |
| Return on assets (ROA) | 0.9525% | 3,090 |
| Pretax return on assets | 1.1627% | 2,973 |
| Return on Equity (ROE) | 7.2078% | 3,480 |
| Retained earnings to average equity (ytd only) | 5.7043% | 2,026 |
| Net charge-offs to loans | 0.6370% | 281 |
| Credit loss provision to net charge-offs | 23.0415% | 3,308 |
| Earnings coverage of net charge-offs (x) | 6.9724% | 2,918 |
| Efficiency ratio | 65.8234% | 2,800 |
| Assets per employee ($millions) | 4.5719% | 3,119 |
| Cash dividends to net income (ytd only)* | 20.8594% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,377 |
| Loan loss allowance to noncurrent loans | 458.7571% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 3,195 |
| Noncurrent loans to loans | 0.2638% | 3,501 |
| Net loans and leases to total assets | 27.3517% | 5,006 |
| Net loans and leases to deposits | 32.3699% | 5,015 |
| Net loans and leases to core deposits | 33.9235% | 5,015 |
| Total domestic deposits to total assets | 84.4975% | 2,684 |
| Equity capital to assets | 14.2995% | 1,002 |
| Core capital (leverage) ratio | 13.9316% | 945 |
| Tier 1 risk-based capital ratio | 44.9100% | 176 |
| Total risk-based capital ratio | 45.9774% | 177 |
| Memoranda: | ||
| Average total assets | $251,661,200 | 2,450 |
| Average earning assets | $238,120,200 | 2,420 |
| Average equity | $33,255,600 | 2,222 |
| Average total loans | $68,134,000 | 3,809 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 4,942 |
| Cost of funding earning assets | 0.2752% | 4,857 |
| Net interest margin | 3.2485% | 4,188 |
| Noninterest income to average assets | 0.4887% | 2,802 |
| Noninterest expense to average assets | 2.3427% | 3,840 |
| Loan and lease loss provision to assets | 0.0472% | 2,952 |
| Net operating income to assets | 0.9585% | 3,132 |
| Return on assets (ROA) | 0.9585% | 3,209 |
| Pretax return on assets | 1.1716% | 3,067 |
| Return on Equity (ROE) | 7.3984% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.3855% | 2,177 |
| Net charge-offs to loans | 0.8480% | 182 |
| Credit loss provision to net charge-offs | 20.6897% | 2,963 |
| Earnings coverage of net charge-offs (x) | 5.3379% | 2,929 |
| Efficiency ratio | 65.7775% | 2,754 |
| Assets per employee ($millions) | 4.7768% | 2,820 |
| Cash dividends to net income (ytd only)* | 13.6913% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,521 |
| Loan loss allowance to noncurrent loans | 620.9302% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,409 |
| Noncurrent loans to loans | 0.1929% | 3,849 |
| Net loans and leases to total assets | 27.1197% | 5,099 |
| Net loans and leases to deposits | 32.2283% | 5,104 |
| Net loans and leases to core deposits | 34.4045% | 5,100 |
| Total domestic deposits to total assets | 84.1488% | 2,766 |
| Equity capital to assets | 14.1284% | 1,100 |
| Core capital (leverage) ratio | 13.4589% | 1,147 |
| Tier 1 risk-based capital ratio | 42.8076% | 201 |
| Total risk-based capital ratio | 43.8208% | 202 |
| Memoranda: | ||
| Average total assets | $253,999,000 | 2,457 |
| Average earning assets | $240,266,500 | 2,425 |
| Average equity | $32,907,250 | 2,260 |
| Average total loans | $68,395,500 | 3,842 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5216% | 4,993 |
| Cost of funding earning assets | 0.2770% | 4,882 |
| Net interest margin | 3.2446% | 4,251 |
| Noninterest income to average assets | 0.4816% | 2,772 |
| Noninterest expense to average assets | 2.3351% | 3,912 |
| Loan and lease loss provision to assets | 0.0466% | 2,881 |
| Net operating income to assets | 0.9547% | 3,081 |
| Return on assets (ROA) | 0.9547% | 3,152 |
| Pretax return on assets | 1.1660% | 3,024 |
| Return on Equity (ROE) | 7.5856% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.5856% | 1,564 |
| Net charge-offs to loans | 1.0420% | 133 |
| Credit loss provision to net charge-offs | 16.7131% | 2,674 |
| Earnings coverage of net charge-offs (x) | 4.3482% | 2,742 |
| Efficiency ratio | 65.8200% | 2,832 |
| Assets per employee ($millions) | 4.8676% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,334 |
| Loan loss allowance to noncurrent loans | 693.4426% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,324 |
| Noncurrent loans to loans | 0.1780% | 3,918 |
| Net loans and leases to total assets | 26.7375% | 5,143 |
| Net loans and leases to deposits | 31.2759% | 5,158 |
| Net loans and leases to core deposits | 34.4151% | 5,138 |
| Total domestic deposits to total assets | 85.4891% | 2,268 |
| Equity capital to assets | 13.4521% | 1,346 |
| Core capital (leverage) ratio | 12.9762% | 1,303 |
| Tier 1 risk-based capital ratio | 42.8057% | 199 |
| Total risk-based capital ratio | 43.8868% | 198 |
| Memoranda: | ||
| Average total assets | $257,460,000 | 2,436 |
| Average earning assets | $243,296,000 | 2,406 |
| Average equity | $32,403,330 | 2,279 |
| Average total loans | $68,904,330 | 3,859 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 5,028 |
| Cost of funding earning assets | 0.2751% | 4,916 |
| Net interest margin | 3.2462% | 4,288 |
| Noninterest income to average assets | 0.4684% | 2,743 |
| Noninterest expense to average assets | 2.3125% | 3,988 |
| Loan and lease loss provision to assets | 0.0462% | 2,722 |
| Net operating income to assets | 0.9691% | 2,975 |
| Return on assets (ROA) | 0.9691% | 3,018 |
| Pretax return on assets | 1.1817% | 2,871 |
| Return on Equity (ROE) | 7.9669% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.9669% | 1,676 |
| Net charge-offs to loans | 2.3909% | 44 |
| Credit loss provision to net charge-offs | 7.2639% | 2,187 |
| Earnings coverage of net charge-offs (x) | 1.9298% | 2,545 |
| Efficiency ratio | 65.3177% | 3,038 |
| Assets per employee ($millions) | 5.0276% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,156 |
| Loan loss allowance to noncurrent loans | 109.9424% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 3,558 |
| Noncurrent loans to loans | 0.9963% | 1,677 |
| Net loans and leases to total assets | 26.3518% | 5,203 |
| Net loans and leases to deposits | 30.3733% | 5,217 |
| Net loans and leases to core deposits | 34.0401% | 5,189 |
| Total domestic deposits to total assets | 86.7597% | 1,926 |
| Equity capital to assets | 12.3265% | 1,831 |
| Core capital (leverage) ratio | 12.5499% | 1,479 |
| Tier 1 risk-based capital ratio | 41.7073% | 210 |
| Total risk-based capital ratio | 42.6747% | 213 |
| Memoranda: | ||
| Average total assets | $259,633,500 | 2,448 |
| Average earning assets | $245,706,000 | 2,411 |
| Average equity | $31,580,500 | 2,324 |
| Average total loans | $69,095,500 | 3,884 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1640% | 5,168 |
| Cost of funding earning assets | 0.2668% | 4,729 |
| Net interest margin | 2.8972% | 4,924 |
| Noninterest income to average assets | 0.4018% | 3,427 |
| Noninterest expense to average assets | 2.2369% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7581% | 3,942 |
| Return on assets (ROA) | 0.7581% | 3,944 |
| Pretax return on assets | 0.9031% | 3,890 |
| Return on Equity (ROE) | 6.4523% | 4,021 |
| Retained earnings to average equity (ytd only) | 4.8114% | 2,883 |
| Net charge-offs to loans | -0.1087% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2391% | 2,012 |
| Assets per employee ($millions) | 5.0555% | 2,428 |
| Cash dividends to net income (ytd only)* | 25.4323% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 882 |
| Loan loss allowance to noncurrent loans | 79.6245% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 2,380 |
| Noncurrent loans to loans | 2.0982% | 631 |
| Net loans and leases to total assets | 26.1373% | 5,254 |
| Net loans and leases to deposits | 30.0077% | 5,267 |
| Net loans and leases to core deposits | 34.0264% | 5,243 |
| Total domestic deposits to total assets | 87.1020% | 1,737 |
| Equity capital to assets | 11.9982% | 1,895 |
| Core capital (leverage) ratio | 12.7345% | 1,356 |
| Tier 1 risk-based capital ratio | 39.8863% | 237 |
| Total risk-based capital ratio | 41.1360% | 234 |
| Memoranda: | ||
| Average total assets | $259,331,600 | 2,408 |
| Average earning assets | $245,100,400 | 2,377 |
| Average equity | $30,469,600 | 2,309 |
| Average total loans | $67,128,000 | 3,934 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1256% | 5,236 |
| Cost of funding earning assets | 0.2703% | 4,672 |
| Net interest margin | 2.8552% | 5,030 |
| Noninterest income to average assets | 0.3501% | 3,794 |
| Noninterest expense to average assets | 2.2461% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6766% | 4,298 |
| Return on assets (ROA) | 0.6766% | 4,311 |
| Pretax return on assets | 0.8045% | 4,278 |
| Return on Equity (ROE) | 5.7895% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.6913% | 3,399 |
| Net charge-offs to loans | -0.1438% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6284% | 1,651 |
| Assets per employee ($millions) | 4.7032% | 2,845 |
| Cash dividends to net income (ytd only)* | 18.9684% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 910 |
| Loan loss allowance to noncurrent loans | 76.6399% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 2,417 |
| Noncurrent loans to loans | 2.1901% | 649 |
| Net loans and leases to total assets | 26.4089% | 5,317 |
| Net loans and leases to deposits | 30.2989% | 5,335 |
| Net loans and leases to core deposits | 35.2662% | 5,305 |
| Total domestic deposits to total assets | 87.1613% | 1,663 |
| Equity capital to assets | 11.9059% | 1,964 |
| Core capital (leverage) ratio | 12.3589% | 1,577 |
| Tier 1 risk-based capital ratio | 39.4204% | 241 |
| Total risk-based capital ratio | 40.6709% | 239 |
| Memoranda: | ||
| Average total assets | $259,706,750 | 2,415 |
| Average earning assets | $245,624,000 | 2,379 |
| Average equity | $30,353,250 | 2,324 |
| Average total loans | $66,776,250 | 3,977 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1473% | 5,268 |
| Cost of funding earning assets | 0.2641% | 4,671 |
| Net interest margin | 2.8832% | 5,035 |
| Noninterest income to average assets | 0.2890% | 4,253 |
| Noninterest expense to average assets | 2.2101% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6804% | 4,248 |
| Return on assets (ROA) | 0.6804% | 4,256 |
| Pretax return on assets | 0.8080% | 4,221 |
| Return on Equity (ROE) | 5.8569% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.8569% | 2,638 |
| Net charge-offs to loans | -0.2323% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2270% | 1,813 |
| Assets per employee ($millions) | 4.7861% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7299% | 858 |
| Loan loss allowance to noncurrent loans | 78.0190% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 2,549 |
| Noncurrent loans to loans | 2.2173% | 627 |
| Net loans and leases to total assets | 24.8173% | 5,403 |
| Net loans and leases to deposits | 28.3612% | 5,412 |
| Net loans and leases to core deposits | 31.7273% | 5,388 |
| Total domestic deposits to total assets | 87.5044% | 1,642 |
| Equity capital to assets | 11.5368% | 2,172 |
| Core capital (leverage) ratio | 11.8997% | 1,776 |
| Tier 1 risk-based capital ratio | 40.0376% | 228 |
| Total risk-based capital ratio | 41.2871% | 224 |
| Memoranda: | ||
| Average total assets | $261,617,670 | 2,407 |
| Average earning assets | $247,639,330 | 2,378 |
| Average equity | $30,391,670 | 2,327 |
| Average total loans | $66,296,000 | 4,013 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0865% | 5,324 |
| Cost of funding earning assets | 0.2578% | 4,662 |
| Net interest margin | 2.8288% | 5,126 |
| Noninterest income to average assets | 0.1748% | 4,976 |
| Noninterest expense to average assets | 2.1778% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5767% | 4,492 |
| Return on assets (ROA) | 0.5767% | 4,498 |
| Pretax return on assets | 0.6733% | 4,509 |
| Return on Equity (ROE) | 4.9469% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.9469% | 3,204 |
| Net charge-offs to loans | -0.4350% | 5,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3852% | 1,545 |
| Assets per employee ($millions) | 5.5253% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 887 |
| Loan loss allowance to noncurrent loans | 76.3333% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 2,673 |
| Noncurrent loans to loans | 2.2748% | 639 |
| Net loans and leases to total assets | 23.9328% | 5,468 |
| Net loans and leases to deposits | 27.2361% | 5,478 |
| Net loans and leases to core deposits | 30.3151% | 5,460 |
| Total domestic deposits to total assets | 87.8718% | 1,692 |
| Equity capital to assets | 11.2528% | 2,343 |
| Core capital (leverage) ratio | 11.8434% | 1,753 |
| Tier 1 risk-based capital ratio | 40.5125% | 222 |
| Total risk-based capital ratio | 41.3728% | 224 |
| Memoranda: | ||
| Average total assets | $260,808,500 | 2,438 |
| Average earning assets | $246,749,500 | 2,406 |
| Average equity | $30,403,000 | 2,341 |
| Average total loans | $66,205,000 | 4,052 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9905% | 5,364 |
| Cost of funding earning assets | 0.2684% | 4,413 |
| Net interest margin | 2.7222% | 5,257 |
| Noninterest income to average assets | 0.2841% | 4,428 |
| Noninterest expense to average assets | 2.0628% | 4,855 |
| Loan and lease loss provision to assets | 0.0194% | 3,913 |
| Net operating income to assets | 0.5984% | 4,017 |
| Return on assets (ROA) | 0.5817% | 4,132 |
| Pretax return on assets | 0.7628% | 4,356 |
| Return on Equity (ROE) | 4.8079% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.5687% | 3,783 |
| Net charge-offs to loans | 0.3840% | 656 |
| Credit loss provision to net charge-offs | 19.7628% | 3,610 |
| Earnings coverage of net charge-offs (x) | 8.2134% | 2,939 |
| Efficiency ratio | 71.9492% | 2,234 |
| Assets per employee ($millions) | 4.6593% | 2,940 |
| Cash dividends to net income (ytd only)* | 46.5735% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,106 |
| Loan loss allowance to noncurrent loans | 65.7475% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 2,378 |
| Noncurrent loans to loans | 2.4553% | 552 |
| Net loans and leases to total assets | 25.9919% | 5,502 |
| Net loans and leases to deposits | 29.9801% | 5,517 |
| Net loans and leases to core deposits | 34.8872% | 5,477 |
| Total domestic deposits to total assets | 86.6972% | 2,150 |
| Equity capital to assets | 12.3469% | 1,612 |
| Core capital (leverage) ratio | 12.5244% | 1,341 |
| Tier 1 risk-based capital ratio | 39.0950% | 232 |
| Total risk-based capital ratio | 40.3475% | 227 |
| Memoranda: | ||
| Average total assets | $258,392,200 | 2,429 |
| Average earning assets | $245,172,600 | 2,381 |
| Average equity | $31,261,200 | 2,274 |
| Average total loans | $65,883,200 | 4,055 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 5,445 |
| Cost of funding earning assets | 0.2698% | 4,413 |
| Net interest margin | 2.6784% | 5,347 |
| Noninterest income to average assets | 0.2712% | 4,564 |
| Noninterest expense to average assets | 2.0526% | 4,844 |
| Loan and lease loss provision to assets | 0.0231% | 3,682 |
| Net operating income to assets | 0.5721% | 4,496 |
| Return on assets (ROA) | 0.5583% | 4,582 |
| Pretax return on assets | 0.7269% | 4,535 |
| Return on Equity (ROE) | 4.6373% | 4,658 |
| Retained earnings to average equity (ytd only) | 2.5082% | 4,391 |
| Net charge-offs to loans | 0.5091% | 402 |
| Credit loss provision to net charge-offs | 17.9283% | 3,174 |
| Earnings coverage of net charge-offs (x) | 5.9681% | 3,040 |
| Efficiency ratio | 72.7735% | 2,080 |
| Assets per employee ($millions) | 4.5544% | 3,040 |
| Cash dividends to net income (ytd only)* | 45.9138% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 1,157 |
| Loan loss allowance to noncurrent loans | 86.2208% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,108 |
| Noncurrent loans to loans | 1.9028% | 912 |
| Net loans and leases to total assets | 25.1512% | 5,588 |
| Net loans and leases to deposits | 29.0640% | 5,601 |
| Net loans and leases to core deposits | 33.9145% | 5,554 |
| Total domestic deposits to total assets | 86.5375% | 2,084 |
| Equity capital to assets | 12.4988% | 1,657 |
| Core capital (leverage) ratio | 12.2757% | 1,528 |
| Tier 1 risk-based capital ratio | 39.6723% | 228 |
| Total risk-based capital ratio | 40.9254% | 226 |
| Memoranda: | ||
| Average total assets | $260,090,000 | 2,428 |
| Average earning assets | $247,556,500 | 2,384 |
| Average equity | $31,310,250 | 2,279 |
| Average total loans | $65,736,750 | 4,088 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9243% | 5,491 |
| Cost of funding earning assets | 0.2613% | 4,453 |
| Net interest margin | 2.6629% | 5,399 |
| Noninterest income to average assets | 0.2766% | 4,570 |
| Noninterest expense to average assets | 1.9704% | 5,034 |
| Loan and lease loss provision to assets | 0.0191% | 3,589 |
| Net operating income to assets | 0.6267% | 4,175 |
| Return on assets (ROA) | 0.6082% | 4,311 |
| Pretax return on assets | 0.8007% | 4,275 |
| Return on Equity (ROE) | 5.1155% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.5089% | 3,620 |
| Net charge-offs to loans | -0.0182% | 4,748 |
| Credit loss provision to net charge-offs | -416.6667% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0054% | 2,674 |
| Assets per employee ($millions) | 4.6842% | 2,818 |
| Cash dividends to net income (ytd only)* | 31.4070% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 676 |
| Loan loss allowance to noncurrent loans | 57.8831% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 2,040 |
| Noncurrent loans to loans | 3.3407% | 361 |
| Net loans and leases to total assets | 25.2688% | 5,625 |
| Net loans and leases to deposits | 29.0687% | 5,644 |
| Net loans and leases to core deposits | 33.4825% | 5,608 |
| Total domestic deposits to total assets | 86.9276% | 1,980 |
| Equity capital to assets | 12.1377% | 1,837 |
| Core capital (leverage) ratio | 11.5759% | 1,919 |
| Tier 1 risk-based capital ratio | 38.4383% | 236 |
| Total risk-based capital ratio | 39.6922% | 231 |
| Memoranda: | ||
| Average total assets | $261,770,330 | 2,425 |
| Average earning assets | $249,498,670 | 2,384 |
| Average equity | $31,121,000 | 2,287 |
| Average total loans | $65,909,670 | 4,105 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8582% | 5,568 |
| Cost of funding earning assets | 0.2616% | 4,441 |
| Net interest margin | 2.5966% | 5,469 |
| Noninterest income to average assets | 0.2799% | 4,550 |
| Noninterest expense to average assets | 1.9870% | 5,080 |
| Loan and lease loss provision to assets | 0.0229% | 3,284 |
| Net operating income to assets | 0.5701% | 4,281 |
| Return on assets (ROA) | 0.5889% | 4,249 |
| Pretax return on assets | 0.7694% | 4,218 |
| Return on Equity (ROE) | 5.0062% | 4,387 |
| Retained earnings to average equity (ytd only) | 1.7554% | 4,412 |
| Net charge-offs to loans | -0.0369% | 5,033 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1266% | 2,548 |
| Assets per employee ($millions) | 5.5209% | 1,866 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 702 |
| Loan loss allowance to noncurrent loans | 77.9447% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 2,795 |
| Noncurrent loans to loans | 2.5325% | 616 |
| Net loans and leases to total assets | 23.8089% | 5,701 |
| Net loans and leases to deposits | 27.1629% | 5,713 |
| Net loans and leases to core deposits | 30.5045% | 5,687 |
| Total domestic deposits to total assets | 87.6522% | 1,915 |
| Equity capital to assets | 11.4566% | 2,210 |
| Core capital (leverage) ratio | 11.6119% | 1,873 |
| Tier 1 risk-based capital ratio | 38.6747% | 243 |
| Total risk-based capital ratio | 39.9293% | 236 |
| Memoranda: | ||
| Average total assets | $261,497,500 | 2,456 |
| Average earning assets | $249,247,000 | 2,403 |
| Average equity | $30,762,000 | 2,316 |
| Average total loans | $65,069,000 | 4,155 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8576% | 5,612 |
| Cost of funding earning assets | 0.2728% | 4,333 |
| Net interest margin | 2.5848% | 5,530 |
| Noninterest income to average assets | 0.1980% | 5,224 |
| Noninterest expense to average assets | 2.0154% | 5,157 |
| Loan and lease loss provision to assets | 0.0081% | 4,204 |
| Net operating income to assets | 0.5096% | 4,593 |
| Return on assets (ROA) | 0.5557% | 4,515 |
| Pretax return on assets | 0.7123% | 4,451 |
| Return on Equity (ROE) | 4.5931% | 4,623 |
| Retained earnings to average equity (ytd only) | 2.8388% | 3,875 |
| Net charge-offs to loans | -0.1198% | 5,637 |
| Credit loss provision to net charge-offs | -26.9231% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2919% | 2,098 |
| Assets per employee ($millions) | 4.9504% | 2,444 |
| Cash dividends to net income (ytd only)* | 38.1944% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 680 |
| Loan loss allowance to noncurrent loans | 38.5615% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.3107% | 1,337 |
| Noncurrent loans to loans | 5.1356% | 153 |
| Net loans and leases to total assets | 25.0152% | 5,745 |
| Net loans and leases to deposits | 28.7711% | 5,750 |
| Net loans and leases to core deposits | 32.6852% | 5,726 |
| Total domestic deposits to total assets | 86.9458% | 2,179 |
| Equity capital to assets | 12.0929% | 1,743 |
| Core capital (leverage) ratio | 12.5710% | 1,310 |
| Tier 1 risk-based capital ratio | 37.7022% | 258 |
| Total risk-based capital ratio | 38.9564% | 256 |
| Memoranda: | ||
| Average total assets | $259,149,400 | 2,446 |
| Average earning assets | $248,528,200 | 2,369 |
| Average equity | $31,351,600 | 2,265 |
| Average total loans | $65,093,400 | 4,157 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 5,701 |
| Cost of funding earning assets | 0.2748% | 4,340 |
| Net interest margin | 2.5650% | 5,613 |
| Noninterest income to average assets | 0.2362% | 5,057 |
| Noninterest expense to average assets | 1.9794% | 5,247 |
| Loan and lease loss provision to assets | 0.0102% | 4,036 |
| Net operating income to assets | 0.5481% | 4,504 |
| Return on assets (ROA) | 0.6083% | 4,378 |
| Pretax return on assets | 0.7913% | 4,333 |
| Return on Equity (ROE) | 5.0279% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.7040% | 4,276 |
| Net charge-offs to loans | -0.0531% | 5,389 |
| Credit loss provision to net charge-offs | -76.9231% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2362% | 2,397 |
| Assets per employee ($millions) | 4.7560% | 2,670 |
| Cash dividends to net income (ytd only)* | 46.2187% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 820 |
| Loan loss allowance to noncurrent loans | 70.3682% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 2,804 |
| Noncurrent loans to loans | 2.7390% | 597 |
| Net loans and leases to total assets | 25.1627% | 5,809 |
| Net loans and leases to deposits | 29.8095% | 5,817 |
| Net loans and leases to core deposits | 34.1443% | 5,779 |
| Total domestic deposits to total assets | 84.4117% | 3,060 |
| Equity capital to assets | 12.9374% | 1,518 |
| Core capital (leverage) ratio | 12.0658% | 1,632 |
| Tier 1 risk-based capital ratio | 38.7003% | 249 |
| Total risk-based capital ratio | 39.9538% | 248 |
| Memoranda: | ||
| Average total assets | $260,819,250 | 2,444 |
| Average earning assets | $250,806,500 | 2,367 |
| Average equity | $31,556,750 | 2,266 |
| Average total loans | $65,258,750 | 4,182 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7724% | 5,812 |
| Cost of funding earning assets | 0.2727% | 4,415 |
| Net interest margin | 2.4997% | 5,744 |
| Noninterest income to average assets | 0.2766% | 4,800 |
| Noninterest expense to average assets | 1.9795% | 5,311 |
| Loan and lease loss provision to assets | 0.0158% | 3,796 |
| Net operating income to assets | 0.5250% | 4,585 |
| Return on assets (ROA) | 0.6144% | 4,335 |
| Pretax return on assets | 0.8020% | 4,272 |
| Return on Equity (ROE) | 5.1894% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.5975% | 3,601 |
| Net charge-offs to loans | -0.1245% | 5,687 |
| Credit loss provision to net charge-offs | -51.2195% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8263% | 2,386 |
| Assets per employee ($millions) | 5.2559% | 2,030 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9396% | 839 |
| Loan loss allowance to noncurrent loans | 73.7500% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 3,124 |
| Noncurrent loans to loans | 2.6299% | 637 |
| Net loans and leases to total assets | 23.3692% | 5,901 |
| Net loans and leases to deposits | 26.8002% | 5,916 |
| Net loans and leases to core deposits | 31.4499% | 5,876 |
| Total domestic deposits to total assets | 87.1979% | 1,808 |
| Equity capital to assets | 11.8669% | 2,220 |
| Core capital (leverage) ratio | 11.3457% | 2,102 |
| Tier 1 risk-based capital ratio | 38.1904% | 261 |
| Total risk-based capital ratio | 39.4429% | 258 |
| Memoranda: | ||
| Average total assets | $265,321,000 | 2,423 |
| Average earning assets | $255,228,670 | 2,342 |
| Average equity | $31,410,330 | 2,281 |
| Average total loans | $65,860,330 | 4,196 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7369% | 5,887 |
| Cost of funding earning assets | 0.2726% | 4,472 |
| Net interest margin | 2.4643% | 5,836 |
| Noninterest income to average assets | 0.2046% | 5,269 |
| Noninterest expense to average assets | 2.0079% | 5,317 |
| Loan and lease loss provision to assets | 0.0303% | 3,256 |
| Net operating income to assets | 0.4155% | 4,951 |
| Return on assets (ROA) | 0.5940% | 4,316 |
| Pretax return on assets | 0.7683% | 4,311 |
| Return on Equity (ROE) | 5.0239% | 4,476 |
| Retained earnings to average equity (ytd only) | 1.8199% | 4,533 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9871% | 1,897 |
| Assets per employee ($millions) | 5.2975% | 2,032 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 1,109 |
| Loan loss allowance to noncurrent loans | 83.4146% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 3,330 |
| Noncurrent loans to loans | 2.1860% | 944 |
| Net loans and leases to total assets | 23.8543% | 5,945 |
| Net loans and leases to deposits | 27.2700% | 5,959 |
| Net loans and leases to core deposits | 31.8712% | 5,919 |
| Total domestic deposits to total assets | 87.4744% | 1,948 |
| Equity capital to assets | 11.6188% | 2,323 |
| Core capital (leverage) ratio | 11.3717% | 2,076 |
| Tier 1 risk-based capital ratio | 38.9316% | 251 |
| Total risk-based capital ratio | 40.1862% | 247 |
| Memoranda: | ||
| Average total assets | $263,957,000 | 2,437 |
| Average earning assets | $253,866,000 | 2,357 |
| Average equity | $31,211,000 | 2,290 |
| Average total loans | $66,850,500 | 4,196 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8910% | 5,818 |
| Cost of funding earning assets | 0.2667% | 4,623 |
| Net interest margin | 2.6242% | 5,736 |
| Noninterest income to average assets | 0.2056% | 5,365 |
| Noninterest expense to average assets | 1.9217% | 5,584 |
| Loan and lease loss provision to assets | 0.0537% | 3,242 |
| Net operating income to assets | 0.5853% | 4,354 |
| Return on assets (ROA) | 0.5853% | 4,446 |
| Pretax return on assets | 0.7434% | 4,390 |
| Return on Equity (ROE) | 4.9626% | 4,523 |
| Retained earnings to average equity (ytd only) | 3.3366% | 3,680 |
| Net charge-offs to loans | 0.0276% | 3,675 |
| Credit loss provision to net charge-offs | 736.8421% | 454 |
| Earnings coverage of net charge-offs (x) | 109.3684% | 539 |
| Efficiency ratio | 70.6828% | 3,113 |
| Assets per employee ($millions) | 5.1548% | 2,174 |
| Cash dividends to net income (ytd only)* | 32.7654% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 1,287 |
| Loan loss allowance to noncurrent loans | 71.2039% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 2,878 |
| Noncurrent loans to loans | 2.4289% | 776 |
| Net loans and leases to total assets | 25.9482% | 5,980 |
| Net loans and leases to deposits | 29.8289% | 5,993 |
| Net loans and leases to core deposits | 35.1878% | 5,943 |
| Total domestic deposits to total assets | 86.9904% | 2,146 |
| Equity capital to assets | 12.0397% | 1,926 |
| Core capital (leverage) ratio | 11.9136% | 1,673 |
| Tier 1 risk-based capital ratio | 38.8569% | 244 |
| Total risk-based capital ratio | 40.1112% | 245 |
| Memoranda: | ||
| Average total assets | $260,707,000 | 2,417 |
| Average earning assets | $249,674,600 | 2,340 |
| Average equity | $30,750,200 | 2,266 |
| Average total loans | $68,750,800 | 4,125 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8930% | 5,897 |
| Cost of funding earning assets | 0.2652% | 4,723 |
| Net interest margin | 2.6278% | 5,806 |
| Noninterest income to average assets | 0.2295% | 5,279 |
| Noninterest expense to average assets | 1.9226% | 5,606 |
| Loan and lease loss provision to assets | 0.0586% | 3,012 |
| Net operating income to assets | 0.6048% | 4,361 |
| Return on assets (ROA) | 0.6048% | 4,462 |
| Pretax return on assets | 0.7644% | 4,448 |
| Return on Equity (ROE) | 5.1541% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.9812% | 4,328 |
| Net charge-offs to loans | 0.1934% | 1,320 |
| Credit loss provision to net charge-offs | 115.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 16.1400% | 2,137 |
| Efficiency ratio | 70.0223% | 3,208 |
| Assets per employee ($millions) | 4.8523% | 2,483 |
| Cash dividends to net income (ytd only)* | 42.1586% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,951 |
| Loan loss allowance to noncurrent loans | 43.5189% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 2,239 |
| Noncurrent loans to loans | 3.5720% | 427 |
| Net loans and leases to total assets | 26.8808% | 6,048 |
| Net loans and leases to deposits | 31.0195% | 6,062 |
| Net loans and leases to core deposits | 36.6558% | 6,000 |
| Total domestic deposits to total assets | 86.6579% | 2,206 |
| Equity capital to assets | 12.3323% | 1,849 |
| Core capital (leverage) ratio | 11.5946% | 1,964 |
| Tier 1 risk-based capital ratio | 38.4629% | 272 |
| Total risk-based capital ratio | 39.7149% | 270 |
| Memoranda: | ||
| Average total assets | $261,448,750 | 2,429 |
| Average earning assets | $250,345,750 | 2,356 |
| Average equity | $30,680,000 | 2,286 |
| Average total loans | $68,924,500 | 4,158 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 5,946 |
| Cost of funding earning assets | 0.2634% | 4,796 |
| Net interest margin | 2.6329% | 5,842 |
| Noninterest income to average assets | 0.2299% | 5,316 |
| Noninterest expense to average assets | 1.9645% | 5,603 |
| Loan and lease loss provision to assets | 0.0302% | 3,523 |
| Net operating income to assets | 0.5974% | 4,356 |
| Return on assets (ROA) | 0.5974% | 4,451 |
| Pretax return on assets | 0.7524% | 4,484 |
| Return on Equity (ROE) | 5.1745% | 4,535 |
| Retained earnings to average equity (ytd only) | 3.5370% | 3,776 |
| Net charge-offs to loans | 0.1073% | 1,922 |
| Credit loss provision to net charge-offs | 108.1081% | 1,945 |
| Earnings coverage of net charge-offs (x) | 27.9730% | 1,435 |
| Efficiency ratio | 71.5111% | 3,069 |
| Assets per employee ($millions) | 5.1438% | 2,105 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 2,287 |
| Loan loss allowance to noncurrent loans | 78.6192% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 3,609 |
| Noncurrent loans to loans | 1.9102% | 1,304 |
| Net loans and leases to total assets | 26.4770% | 6,124 |
| Net loans and leases to deposits | 30.3268% | 6,140 |
| Net loans and leases to core deposits | 34.9000% | 6,094 |
| Total domestic deposits to total assets | 87.3058% | 2,008 |
| Equity capital to assets | 11.7221% | 2,231 |
| Core capital (leverage) ratio | 11.1611% | 2,279 |
| Tier 1 risk-based capital ratio | 37.5536% | 301 |
| Total risk-based capital ratio | 38.8051% | 298 |
| Memoranda: | ||
| Average total assets | $264,491,330 | 2,417 |
| Average earning assets | $252,877,330 | 2,349 |
| Average equity | $30,534,330 | 2,302 |
| Average total loans | $68,933,670 | 4,193 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8798% | 6,013 |
| Cost of funding earning assets | 0.2594% | 4,914 |
| Net interest margin | 2.6204% | 5,898 |
| Noninterest income to average assets | 0.2169% | 5,403 |
| Noninterest expense to average assets | 1.9596% | 5,648 |
| Loan and lease loss provision to assets | 0.0151% | 3,527 |
| Net operating income to assets | 0.5995% | 4,294 |
| Return on assets (ROA) | 0.5995% | 4,391 |
| Pretax return on assets | 0.7531% | 4,415 |
| Return on Equity (ROE) | 5.2324% | 4,413 |
| Retained earnings to average equity (ytd only) | 1.9457% | 4,695 |
| Net charge-offs to loans | 0.2289% | 1,032 |
| Credit loss provision to net charge-offs | 25.6410% | 2,308 |
| Earnings coverage of net charge-offs (x) | 13.0769% | 1,748 |
| Efficiency ratio | 71.8388% | 3,200 |
| Assets per employee ($millions) | 5.2276% | 2,078 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 2,571 |
| Loan loss allowance to noncurrent loans | 689.2617% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 5,399 |
| Noncurrent loans to loans | 0.2135% | 5,017 |
| Net loans and leases to total assets | 25.2910% | 6,188 |
| Net loans and leases to deposits | 28.8026% | 6,211 |
| Net loans and leases to core deposits | 32.6911% | 6,171 |
| Total domestic deposits to total assets | 87.8081% | 1,927 |
| Equity capital to assets | 11.2641% | 2,688 |
| Core capital (leverage) ratio | 10.7177% | 2,730 |
| Tier 1 risk-based capital ratio | 38.2067% | 283 |
| Total risk-based capital ratio | 39.4580% | 282 |
| Memoranda: | ||
| Average total assets | $265,570,500 | 2,422 |
| Average earning assets | $254,465,500 | 2,351 |
| Average equity | $30,426,000 | 2,326 |
| Average total loans | $68,142,000 | 4,230 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9988% | 6,066 |
| Cost of funding earning assets | 0.2557% | 5,263 |
| Net interest margin | 2.7431% | 5,883 |
| Noninterest income to average assets | 0.2666% | 5,218 |
| Noninterest expense to average assets | 2.0411% | 5,693 |
| Loan and lease loss provision to assets | 0.0079% | 4,467 |
| Net operating income to assets | 0.6658% | 4,060 |
| Return on assets (ROA) | 0.6658% | 4,157 |
| Pretax return on assets | 0.8338% | 4,135 |
| Return on Equity (ROE) | 5.6870% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.9904% | 3,373 |
| Net charge-offs to loans | 0.4817% | 863 |
| Credit loss provision to net charge-offs | 6.3291% | 4,146 |
| Earnings coverage of net charge-offs (x) | 6.7057% | 3,149 |
| Efficiency ratio | 70.8006% | 3,412 |
| Assets per employee ($millions) | 4.9866% | 2,341 |
| Cash dividends to net income (ytd only)* | 29.8329% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 2,133 |
| Loan loss allowance to noncurrent loans | 699.3377% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 5,442 |
| Noncurrent loans to loans | 0.2270% | 5,010 |
| Net loans and leases to total assets | 25.2409% | 6,292 |
| Net loans and leases to deposits | 28.8953% | 6,308 |
| Net loans and leases to core deposits | 32.4432% | 6,272 |
| Total domestic deposits to total assets | 87.3531% | 2,099 |
| Equity capital to assets | 11.6589% | 2,295 |
| Core capital (leverage) ratio | 10.8037% | 2,611 |
| Tier 1 risk-based capital ratio | 36.1870% | 305 |
| Total risk-based capital ratio | 37.4391% | 297 |
| Memoranda: | ||
| Average total assets | $251,730,800 | 2,508 |
| Average earning assets | $240,092,200 | 2,430 |
| Average equity | $29,470,600 | 2,306 |
| Average total loans | $65,607,400 | 4,314 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9924% | 6,147 |
| Cost of funding earning assets | 0.2531% | 5,377 |
| Net interest margin | 2.7394% | 5,956 |
| Noninterest income to average assets | 0.2706% | 5,274 |
| Noninterest expense to average assets | 2.0706% | 5,637 |
| Loan and lease loss provision to assets | 0.0107% | 4,206 |
| Net operating income to assets | 0.6468% | 4,229 |
| Return on assets (ROA) | 0.6468% | 4,325 |
| Pretax return on assets | 0.8005% | 4,365 |
| Return on Equity (ROE) | 5.5189% | 4,481 |
| Retained earnings to average equity (ytd only) | 3.2422% | 4,320 |
| Net charge-offs to loans | 0.6383% | 563 |
| Credit loss provision to net charge-offs | 6.3898% | 3,745 |
| Earnings coverage of net charge-offs (x) | 4.8563% | 3,365 |
| Efficiency ratio | 71.8519% | 3,207 |
| Assets per employee ($millions) | 4.9589% | 2,289 |
| Cash dividends to net income (ytd only)* | 41.2541% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 2,200 |
| Loan loss allowance to noncurrent loans | 827.3438% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 5,629 |
| Noncurrent loans to loans | 0.1969% | 5,315 |
| Net loans and leases to total assets | 24.7976% | 6,372 |
| Net loans and leases to deposits | 28.3640% | 6,390 |
| Net loans and leases to core deposits | 31.8296% | 6,363 |
| Total domestic deposits to total assets | 87.4263% | 2,078 |
| Equity capital to assets | 11.5511% | 2,430 |
| Core capital (leverage) ratio | 10.5899% | 2,936 |
| Tier 1 risk-based capital ratio | 36.9783% | 299 |
| Total risk-based capital ratio | 38.2307% | 294 |
| Memoranda: | ||
| Average total assets | $249,837,250 | 2,542 |
| Average earning assets | $238,151,250 | 2,457 |
| Average equity | $29,280,250 | 2,330 |
| Average total loans | $65,382,500 | 4,360 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0095% | 6,164 |
| Cost of funding earning assets | 0.2482% | 5,505 |
| Net interest margin | 2.7613% | 5,973 |
| Noninterest income to average assets | 0.2541% | 5,373 |
| Noninterest expense to average assets | 2.1346% | 5,551 |
| Loan and lease loss provision to assets | 0.0162% | 3,935 |
| Net operating income to assets | 0.6037% | 4,340 |
| Return on assets (ROA) | 0.6037% | 4,440 |
| Pretax return on assets | 0.7323% | 4,527 |
| Return on Equity (ROE) | 5.1251% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.4076% | 4,032 |
| Net charge-offs to loans | 0.9525% | 376 |
| Credit loss provision to net charge-offs | 6.4103% | 3,345 |
| Earnings coverage of net charge-offs (x) | 2.9647% | 3,422 |
| Efficiency ratio | 74.0387% | 2,972 |
| Assets per employee ($millions) | 4.8966% | 2,348 |
| Cash dividends to net income (ytd only)* | 33.5121% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 2,336 |
| Loan loss allowance to noncurrent loans | 716.2162% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 5,711 |
| Noncurrent loans to loans | 0.2285% | 5,314 |
| Net loans and leases to total assets | 24.5457% | 6,438 |
| Net loans and leases to deposits | 28.0071% | 6,459 |
| Net loans and leases to core deposits | 30.2963% | 6,447 |
| Total domestic deposits to total assets | 87.6410% | 2,120 |
| Equity capital to assets | 11.3409% | 2,564 |
| Core capital (leverage) ratio | 10.5739% | 2,855 |
| Tier 1 risk-based capital ratio | 36.6041% | 310 |
| Total risk-based capital ratio | 37.8564% | 303 |
| Memoranda: | ||
| Average total assets | $247,161,670 | 2,570 |
| Average earning assets | $235,324,670 | 2,487 |
| Average equity | $29,111,670 | 2,330 |
| Average total loans | $65,509,000 | 4,371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0688% | 6,162 |
| Cost of funding earning assets | 0.2514% | 5,567 |
| Net interest margin | 2.8174% | 5,903 |
| Noninterest income to average assets | 0.2307% | 5,509 |
| Noninterest expense to average assets | 2.2026% | 5,456 |
| Loan and lease loss provision to assets | 0.0249% | 3,511 |
| Net operating income to assets | 0.5693% | 4,356 |
| Return on assets (ROA) | 0.5693% | 4,430 |
| Pretax return on assets | 0.6822% | 4,550 |
| Return on Equity (ROE) | 4.7390% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.2849% | 5,103 |
| Net charge-offs to loans | 0.1214% | 1,994 |
| Credit loss provision to net charge-offs | 75.0000% | 1,953 |
| Earnings coverage of net charge-offs (x) | 21.3000% | 1,298 |
| Efficiency ratio | 75.6988% | 2,848 |
| Assets per employee ($millions) | 4.6561% | 2,721 |
| Cash dividends to net income (ytd only)* | 72.8863% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 1,357 |
| Loan loss allowance to noncurrent loans | 106.1466% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 4,365 |
| Noncurrent loans to loans | 1.9642% | 1,910 |
| Net loans and leases to total assets | 25.1608% | 6,485 |
| Net loans and leases to deposits | 28.7785% | 6,502 |
| Net loans and leases to core deposits | 31.1786% | 6,475 |
| Total domestic deposits to total assets | 87.4290% | 2,544 |
| Equity capital to assets | 11.5592% | 2,198 |
| Core capital (leverage) ratio | 10.8554% | 2,536 |
| Tier 1 risk-based capital ratio | 37.3068% | 286 |
| Total risk-based capital ratio | 38.5648% | 281 |
| Memoranda: | ||
| Average total assets | $240,982,500 | 2,633 |
| Average earning assets | $229,147,500 | 2,564 |
| Average equity | $28,951,500 | 2,330 |
| Average total loans | $65,883,000 | 4,392 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3291% | 5,955 |
| Cost of funding earning assets | 0.2844% | 5,723 |
| Net interest margin | 3.0447% | 5,459 |
| Noninterest income to average assets | 0.3050% | 5,161 |
| Noninterest expense to average assets | 2.3476% | 5,241 |
| Loan and lease loss provision to assets | 0.0693% | 3,741 |
| Net operating income to assets | 0.6283% | 4,119 |
| Return on assets (ROA) | 0.6283% | 4,233 |
| Pretax return on assets | 0.7730% | 4,252 |
| Return on Equity (ROE) | 5.0149% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.3232% | 3,103 |
| Net charge-offs to loans | 0.3873% | 1,743 |
| Credit loss provision to net charge-offs | 57.9710% | 3,622 |
| Earnings coverage of net charge-offs (x) | 7.0435% | 2,923 |
| Efficiency ratio | 73.5941% | 3,198 |
| Assets per employee ($millions) | 4.1916% | 3,456 |
| Cash dividends to net income (ytd only)* | 13.7931% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 1,516 |
| Loan loss allowance to noncurrent loans | 98.3273% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 4,036 |
| Noncurrent loans to loans | 2.0474% | 1,938 |
| Net loans and leases to total assets | 28.5445% | 6,506 |
| Net loans and leases to deposits | 33.0356% | 6,509 |
| Net loans and leases to core deposits | 36.0013% | 6,471 |
| Total domestic deposits to total assets | 86.4053% | 3,037 |
| Equity capital to assets | 12.5099% | 1,503 |
| Core capital (leverage) ratio | 11.6160% | 1,884 |
| Tier 1 risk-based capital ratio | 36.6065% | 284 |
| Total risk-based capital ratio | 37.8648% | 280 |
| Memoranda: | ||
| Average total assets | $230,785,600 | 2,712 |
| Average earning assets | $218,674,800 | 2,635 |
| Average equity | $28,913,800 | 2,316 |
| Average total loans | $71,263,600 | 4,213 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 5,996 |
| Cost of funding earning assets | 0.2967% | 5,761 |
| Net interest margin | 3.0391% | 5,490 |
| Noninterest income to average assets | 0.2934% | 5,349 |
| Noninterest expense to average assets | 2.3784% | 5,083 |
| Loan and lease loss provision to assets | 0.0809% | 3,443 |
| Net operating income to assets | 0.5874% | 4,405 |
| Return on assets (ROA) | 0.5874% | 4,533 |
| Pretax return on assets | 0.7156% | 4,635 |
| Return on Equity (ROE) | 4.6867% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.7650% | 4,009 |
| Net charge-offs to loans | 0.5367% | 1,187 |
| Credit loss provision to net charge-offs | 48.1100% | 3,555 |
| Earnings coverage of net charge-offs (x) | 4.7388% | 3,367 |
| Efficiency ratio | 74.9136% | 2,923 |
| Assets per employee ($millions) | 4.0947% | 3,645 |
| Cash dividends to net income (ytd only)* | 19.6656% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,940 |
| Loan loss allowance to noncurrent loans | 103.3752% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 3,931 |
| Noncurrent loans to loans | 1.8578% | 2,423 |
| Net loans and leases to total assets | 29.8640% | 6,538 |
| Net loans and leases to deposits | 34.6189% | 6,550 |
| Net loans and leases to core deposits | 37.7223% | 6,511 |
| Total domestic deposits to total assets | 86.2649% | 3,099 |
| Equity capital to assets | 12.5740% | 1,542 |
| Core capital (leverage) ratio | 11.2416% | 2,261 |
| Tier 1 risk-based capital ratio | 35.0894% | 335 |
| Total risk-based capital ratio | 36.3464% | 326 |
| Memoranda: | ||
| Average total assets | $230,847,500 | 2,726 |
| Average earning assets | $218,876,000 | 2,642 |
| Average equity | $28,932,250 | 2,339 |
| Average total loans | $72,290,000 | 4,215 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 6,015 |
| Cost of funding earning assets | 0.3046% | 5,799 |
| Net interest margin | 3.0383% | 5,474 |
| Noninterest income to average assets | 0.2767% | 5,471 |
| Noninterest expense to average assets | 2.3667% | 5,155 |
| Loan and lease loss provision to assets | 0.1031% | 3,075 |
| Net operating income to assets | 0.5655% | 4,475 |
| Return on assets (ROA) | 0.5655% | 4,641 |
| Pretax return on assets | 0.6875% | 4,724 |
| Return on Equity (ROE) | 4.5166% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.1438% | 4,324 |
| Net charge-offs to loans | 0.7942% | 788 |
| Credit loss provision to net charge-offs | 41.0959% | 3,396 |
| Earnings coverage of net charge-offs (x) | 3.1507% | 3,474 |
| Efficiency ratio | 74.9592% | 2,951 |
| Assets per employee ($millions) | 4.1953% | 3,368 |
| Cash dividends to net income (ytd only)* | 30.3951% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 2,291 |
| Loan loss allowance to noncurrent loans | 141.6393% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 4,579 |
| Noncurrent loans to loans | 1.2992% | 3,381 |
| Net loans and leases to total assets | 29.4253% | 6,596 |
| Net loans and leases to deposits | 33.9110% | 6,613 |
| Net loans and leases to core deposits | 36.8905% | 6,573 |
| Total domestic deposits to total assets | 86.7722% | 2,966 |
| Equity capital to assets | 12.0845% | 1,857 |
| Core capital (leverage) ratio | 10.8086% | 2,547 |
| Tier 1 risk-based capital ratio | 35.3127% | 331 |
| Total risk-based capital ratio | 36.5630% | 323 |
| Memoranda: | ||
| Average total assets | $232,726,330 | 2,713 |
| Average earning assets | $220,648,670 | 2,633 |
| Average equity | $29,137,000 | 2,333 |
| Average total loans | $73,528,670 | 4,190 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 5,872 |
| Cost of funding earning assets | 0.3141% | 5,853 |
| Net interest margin | 3.1168% | 5,205 |
| Noninterest income to average assets | 0.2711% | 5,513 |
| Noninterest expense to average assets | 2.3867% | 5,162 |
| Loan and lease loss provision to assets | 0.1209% | 2,708 |
| Net operating income to assets | 0.5785% | 4,319 |
| Return on assets (ROA) | 0.5785% | 4,470 |
| Pretax return on assets | 0.7115% | 4,527 |
| Return on Equity (ROE) | 4.5408% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.5408% | 3,510 |
| Net charge-offs to loans | 1.5717% | 336 |
| Credit loss provision to net charge-offs | 23.7288% | 2,985 |
| Earnings coverage of net charge-offs (x) | 1.6339% | 3,288 |
| Efficiency ratio | 74.1416% | 3,240 |
| Assets per employee ($millions) | 4.2058% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 3,114 |
| Loan loss allowance to noncurrent loans | 85.3123% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 4,154 |
| Noncurrent loans to loans | 1.9631% | 2,660 |
| Net loans and leases to total assets | 30.9848% | 6,564 |
| Net loans and leases to deposits | 35.8805% | 6,574 |
| Net loans and leases to core deposits | 38.5780% | 6,544 |
| Total domestic deposits to total assets | 86.3554% | 3,326 |
| Equity capital to assets | 12.5513% | 1,682 |
| Core capital (leverage) ratio | 11.2547% | 2,049 |
| Tier 1 risk-based capital ratio | 35.0585% | 345 |
| Total risk-based capital ratio | 36.3137% | 340 |
| Memoranda: | ||
| Average total assets | $231,621,000 | 2,760 |
| Average earning assets | $219,070,500 | 2,677 |
| Average equity | $29,510,000 | 2,335 |
| Average total loans | $75,079,500 | 4,164 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 6,155 |
| Cost of funding earning assets | 0.4025% | 5,898 |
| Net interest margin | 3.2345% | 5,477 |
| Noninterest income to average assets | 0.2933% | 5,371 |
| Noninterest expense to average assets | 2.6566% | 4,551 |
| Loan and lease loss provision to assets | 0.1317% | 3,973 |
| Net operating income to assets | 0.4657% | 4,819 |
| Return on assets (ROA) | 0.4781% | 5,018 |
| Pretax return on assets | 0.5936% | 5,012 |
| Return on Equity (ROE) | 3.7385% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.0220% | 4,804 |
| Net charge-offs to loans | 0.2345% | 3,534 |
| Credit loss provision to net charge-offs | 159.5745% | 1,684 |
| Earnings coverage of net charge-offs (x) | 8.6011% | 2,383 |
| Efficiency ratio | 78.9124% | 2,292 |
| Assets per employee ($millions) | 3.9951% | 3,961 |
| Cash dividends to net income (ytd only)* | 45.9137% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 2,188 |
| Loan loss allowance to noncurrent loans | 54.2899% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4874% | 3,157 |
| Noncurrent loans to loans | 3.5607% | 1,389 |
| Net loans and leases to total assets | 32.7033% | 6,601 |
| Net loans and leases to deposits | 38.6392% | 6,615 |
| Net loans and leases to core deposits | 41.4237% | 6,566 |
| Total domestic deposits to total assets | 84.6377% | 4,022 |
| Equity capital to assets | 12.9365% | 1,480 |
| Core capital (leverage) ratio | 11.8184% | 1,658 |
| Tier 1 risk-based capital ratio | 34.7275% | 347 |
| Total risk-based capital ratio | 35.9868% | 345 |
| Memoranda: | ||
| Average total assets | $227,772,400 | 2,749 |
| Average earning assets | $216,419,200 | 2,653 |
| Average equity | $29,129,200 | 2,309 |
| Average total loans | $80,172,000 | 4,034 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 6,274 |
| Cost of funding earning assets | 0.4184% | 6,001 |
| Net interest margin | 3.2537% | 5,535 |
| Noninterest income to average assets | 0.3231% | 5,199 |
| Noninterest expense to average assets | 2.7522% | 4,162 |
| Loan and lease loss provision to assets | 0.1317% | 3,901 |
| Net operating income to assets | 0.4433% | 5,065 |
| Return on assets (ROA) | 0.4601% | 5,245 |
| Pretax return on assets | 0.5637% | 5,268 |
| Return on Equity (ROE) | 3.6079% | 5,449 |
| Retained earnings to average equity (ytd only) | 3.6079% | 4,342 |
| Net charge-offs to loans | 0.1756% | 3,709 |
| Credit loss provision to net charge-offs | 210.2804% | 1,315 |
| Earnings coverage of net charge-offs (x) | 10.7759% | 2,147 |
| Efficiency ratio | 80.3074% | 2,047 |
| Assets per employee ($millions) | 3.8634% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 2,568 |
| Loan loss allowance to noncurrent loans | 45.9476% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 1.7324% | 3,011 |
| Noncurrent loans to loans | 4.0761% | 1,240 |
| Net loans and leases to total assets | 35.0695% | 6,609 |
| Net loans and leases to deposits | 41.8560% | 6,602 |
| Net loans and leases to core deposits | 45.4135% | 6,542 |
| Total domestic deposits to total assets | 83.7862% | 4,323 |
| Equity capital to assets | 13.6122% | 1,301 |
| Core capital (leverage) ratio | 11.5634% | 1,942 |
| Tier 1 risk-based capital ratio | 35.6462% | 338 |
| Total risk-based capital ratio | 36.9064% | 331 |
| Memoranda: | ||
| Average total assets | $227,785,500 | 2,776 |
| Average earning assets | $217,307,750 | 2,671 |
| Average equity | $29,046,750 | 2,333 |
| Average total loans | $81,230,000 | 4,043 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 6,415 |
| Cost of funding earning assets | 0.4241% | 6,135 |
| Net interest margin | 3.2288% | 5,652 |
| Noninterest income to average assets | 0.3291% | 5,195 |
| Noninterest expense to average assets | 2.8631% | 3,774 |
| Loan and lease loss provision to assets | 0.1303% | 3,903 |
| Net operating income to assets | 0.3554% | 5,405 |
| Return on assets (ROA) | 0.3812% | 5,524 |
| Pretax return on assets | 0.4472% | 5,584 |
| Return on Equity (ROE) | 3.0553% | 5,673 |
| Retained earnings to average equity (ytd only) | 3.0553% | 4,609 |
| Net charge-offs to loans | 0.1974% | 3,404 |
| Credit loss provision to net charge-offs | 185.1852% | 1,529 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,421 |
| Efficiency ratio | 83.9572% | 1,638 |
| Assets per employee ($millions) | 4.0420% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 3,000 |
| Loan loss allowance to noncurrent loans | 48.3543% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 3,455 |
| Noncurrent loans to loans | 3.6320% | 1,574 |
| Net loans and leases to total assets | 34.5993% | 6,691 |
| Net loans and leases to deposits | 40.8058% | 6,707 |
| Net loans and leases to core deposits | 44.9253% | 6,622 |
| Total domestic deposits to total assets | 84.7900% | 3,952 |
| Equity capital to assets | 12.8054% | 1,622 |
| Core capital (leverage) ratio | 10.9326% | 2,366 |
| Tier 1 risk-based capital ratio | 33.9658% | 374 |
| Total risk-based capital ratio | 35.2243% | 370 |
| Memoranda: | ||
| Average total assets | $230,309,330 | 2,748 |
| Average earning assets | $219,771,330 | 2,652 |
| Average equity | $28,737,000 | 2,345 |
| Average total loans | $82,072,670 | 4,037 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 6,426 |
| Cost of funding earning assets | 0.4294% | 6,262 |
| Net interest margin | 3.2769% | 5,550 |
| Noninterest income to average assets | 0.3266% | 5,255 |
| Noninterest expense to average assets | 3.2415% | 2,468 |
| Loan and lease loss provision to assets | 0.1303% | 3,718 |
| Net operating income to assets | 0.1094% | 6,220 |
| Return on assets (ROA) | 0.1702% | 6,203 |
| Pretax return on assets | 0.1442% | 6,308 |
| Return on Equity (ROE) | 1.3825% | 6,264 |
| Retained earnings to average equity (ytd only) | 1.3825% | 5,547 |
| Net charge-offs to loans | 0.0145% | 4,493 |
| Credit loss provision to net charge-offs | 2,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 736 |
| Efficiency ratio | 93.8160% | 828 |
| Assets per employee ($millions) | 4.1808% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 3,248 |
| Loan loss allowance to noncurrent loans | 119.3980% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 5,155 |
| Noncurrent loans to loans | 1.4441% | 3,947 |
| Net loans and leases to total assets | 34.1536% | 6,730 |
| Net loans and leases to deposits | 39.8452% | 6,743 |
| Net loans and leases to core deposits | 43.9653% | 6,655 |
| Total domestic deposits to total assets | 85.7157% | 3,680 |
| Equity capital to assets | 11.9604% | 2,074 |
| Core capital (leverage) ratio | 10.7429% | 2,505 |
| Tier 1 risk-based capital ratio | 33.3054% | 387 |
| Total risk-based capital ratio | 34.5511% | 381 |
| Memoranda: | ||
| Average total assets | $230,266,500 | 2,764 |
| Average earning assets | $219,844,500 | 2,651 |
| Average equity | $28,354,000 | 2,370 |
| Average total loans | $82,539,000 | 4,051 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 6,397 |
| Cost of funding earning assets | 0.5710% | 6,235 |
| Net interest margin | 3.4621% | 5,276 |
| Noninterest income to average assets | 0.3581% | 4,951 |
| Noninterest expense to average assets | 2.5540% | 5,269 |
| Loan and lease loss provision to assets | 0.0849% | 5,545 |
| Net operating income to assets | 0.7918% | 3,074 |
| Return on assets (ROA) | 0.1220% | 5,934 |
| Pretax return on assets | -0.0478% | 6,171 |
| Return on Equity (ROE) | 1.0098% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.0098% | 5,393 |
| Net charge-offs to loans | 0.0771% | 5,550 |
| Credit loss provision to net charge-offs | 296.8750% | 796 |
| Earnings coverage of net charge-offs (x) | 37.8750% | 709 |
| Efficiency ratio | 70.2102% | 3,903 |
| Assets per employee ($millions) | 3.8988% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 3,385 |
| Loan loss allowance to noncurrent loans | 79.3911% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 4,651 |
| Noncurrent loans to loans | 2.0763% | 3,102 |
| Net loans and leases to total assets | 36.4060% | 6,737 |
| Net loans and leases to deposits | 42.9273% | 6,764 |
| Net loans and leases to core deposits | 47.7699% | 6,655 |
| Total domestic deposits to total assets | 84.8085% | 3,954 |
| Equity capital to assets | 12.6923% | 1,659 |
| Core capital (leverage) ratio | 11.2841% | 2,051 |
| Tier 1 risk-based capital ratio | 31.3891% | 452 |
| Total risk-based capital ratio | 32.6461% | 445 |
| Memoranda: | ||
| Average total assets | $223,684,800 | 2,801 |
| Average earning assets | $211,894,400 | 2,713 |
| Average equity | $27,034,200 | 2,397 |
| Average total loans | $82,974,200 | 4,053 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 6,375 |
| Cost of funding earning assets | 0.6050% | 6,264 |
| Net interest margin | 3.5112% | 5,142 |
| Noninterest income to average assets | 0.3440% | 5,111 |
| Noninterest expense to average assets | 2.5619% | 5,228 |
| Loan and lease loss provision to assets | 0.0803% | 5,435 |
| Net operating income to assets | 0.8324% | 3,010 |
| Return on assets (ROA) | 0.1297% | 6,008 |
| Pretax return on assets | -0.0738% | 6,310 |
| Return on Equity (ROE) | 1.0869% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.0869% | 5,587 |
| Net charge-offs to loans | 0.0914% | 5,054 |
| Credit loss provision to net charge-offs | 236.8421% | 1,201 |
| Earnings coverage of net charge-offs (x) | 32.5605% | 878 |
| Efficiency ratio | 69.8750% | 3,977 |
| Assets per employee ($millions) | 3.8698% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,813 |
| Loan loss allowance to noncurrent loans | 78.4643% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 4,810 |
| Noncurrent loans to loans | 1.9976% | 3,371 |
| Net loans and leases to total assets | 37.2386% | 6,812 |
| Net loans and leases to deposits | 43.8792% | 6,841 |
| Net loans and leases to core deposits | 48.8609% | 6,719 |
| Total domestic deposits to total assets | 84.8663% | 3,834 |
| Equity capital to assets | 12.5963% | 1,852 |
| Core capital (leverage) ratio | 11.0481% | 2,347 |
| Tier 1 risk-based capital ratio | 29.8750% | 544 |
| Total risk-based capital ratio | 31.1303% | 532 |
| Memoranda: | ||
| Average total assets | $224,048,500 | 2,802 |
| Average earning assets | $212,004,750 | 2,716 |
| Average equity | $26,741,250 | 2,420 |
| Average total loans | $83,152,500 | 4,082 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 6,337 |
| Cost of funding earning assets | 0.6421% | 6,261 |
| Net interest margin | 3.5332% | 5,001 |
| Noninterest income to average assets | 0.3517% | 5,077 |
| Noninterest expense to average assets | 2.4449% | 5,714 |
| Loan and lease loss provision to assets | 0.0799% | 5,309 |
| Net operating income to assets | 0.9696% | 2,357 |
| Return on assets (ROA) | 0.1767% | 5,910 |
| Pretax return on assets | -0.0693% | 6,334 |
| Return on Equity (ROE) | 1.5080% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.5080% | 5,229 |
| Net charge-offs to loans | 0.1204% | 4,509 |
| Credit loss provision to net charge-offs | 180.0000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 28.1400% | 969 |
| Efficiency ratio | 66.1779% | 4,843 |
| Assets per employee ($millions) | 3.8569% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 4,017 |
| Loan loss allowance to noncurrent loans | 210.6136% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 5,939 |
| Noncurrent loans to loans | 0.7236% | 5,466 |
| Net loans and leases to total assets | 36.6830% | 6,926 |
| Net loans and leases to deposits | 43.0358% | 6,954 |
| Net loans and leases to core deposits | 48.3571% | 6,839 |
| Total domestic deposits to total assets | 85.2385% | 3,762 |
| Equity capital to assets | 12.2381% | 1,944 |
| Core capital (leverage) ratio | 10.7346% | 2,489 |
| Tier 1 risk-based capital ratio | 28.9814% | 599 |
| Total risk-based capital ratio | 30.2346% | 586 |
| Memoranda: | ||
| Average total assets | $225,204,670 | 2,804 |
| Average earning assets | $213,064,330 | 2,725 |
| Average equity | $26,393,330 | 2,435 |
| Average total loans | $83,053,670 | 4,124 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 6,236 |
| Cost of funding earning assets | 0.6699% | 6,298 |
| Net interest margin | 3.5498% | 4,814 |
| Noninterest income to average assets | 0.3257% | 5,309 |
| Noninterest expense to average assets | 2.9103% | 4,022 |
| Loan and lease loss provision to assets | 0.0797% | 5,012 |
| Net operating income to assets | 0.7293% | 3,384 |
| Return on assets (ROA) | 0.2337% | 5,733 |
| Pretax return on assets | 0.1983% | 5,941 |
| Return on Equity (ROE) | 2.0385% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.0385% | 4,911 |
| Net charge-offs to loans | 0.1399% | 3,670 |
| Credit loss provision to net charge-offs | 155.1724% | 1,850 |
| Earnings coverage of net charge-offs (x) | 15.0690% | 1,337 |
| Efficiency ratio | 79.0005% | 2,691 |
| Assets per employee ($millions) | 4.1087% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 4,159 |
| Loan loss allowance to noncurrent loans | 183.2353% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 5,802 |
| Noncurrent loans to loans | 0.8241% | 5,383 |
| Net loans and leases to total assets | 34.6994% | 7,062 |
| Net loans and leases to deposits | 40.2133% | 7,092 |
| Net loans and leases to core deposits | 44.7248% | 7,018 |
| Total domestic deposits to total assets | 86.2885% | 3,340 |
| Equity capital to assets | 11.2965% | 2,418 |
| Core capital (leverage) ratio | 10.6482% | 2,474 |
| Tier 1 risk-based capital ratio | 26.5554% | 738 |
| Total risk-based capital ratio | 27.8076% | 724 |
| Memoranda: | ||
| Average total assets | $225,955,500 | 2,809 |
| Average earning assets | $213,756,000 | 2,736 |
| Average equity | $25,901,500 | 2,459 |
| Average total loans | $82,915,000 | 4,166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 5,275 |
| Cost of funding earning assets | 0.9087% | 6,142 |
| Net interest margin | 3.9308% | 3,339 |
| Noninterest income to average assets | 0.4175% | 4,761 |
| Noninterest expense to average assets | 2.8165% | 4,536 |
| Loan and lease loss provision to assets | 0.1487% | 5,709 |
| Net operating income to assets | 0.7800% | 2,884 |
| Return on assets (ROA) | -0.6596% | 6,525 |
| Pretax return on assets | -1.1625% | 6,725 |
| Return on Equity (ROE) | -6.2434% | 6,512 |
| Retained earnings to average equity (ytd only) | -6.2434% | 6,404 |
| Net charge-offs to loans | 0.1480% | 5,468 |
| Credit loss provision to net charge-offs | 270.5882% | 1,021 |
| Earnings coverage of net charge-offs (x) | 22.4790% | 930 |
| Efficiency ratio | 69.5087% | 4,279 |
| Assets per employee ($millions) | 3.7537% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,140 |
| Loan loss allowance to noncurrent loans | 115.7103% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 5,845 |
| Noncurrent loans to loans | 1.2758% | 4,583 |
| Net loans and leases to total assets | 37.7050% | 7,088 |
| Net loans and leases to deposits | 43.9545% | 7,122 |
| Net loans and leases to core deposits | 48.7453% | 7,035 |
| Total domestic deposits to total assets | 85.7818% | 3,460 |
| Equity capital to assets | 11.6423% | 2,163 |
| Core capital (leverage) ratio | 11.0634% | 2,114 |
| Tier 1 risk-based capital ratio | 25.0550% | 842 |
| Total risk-based capital ratio | 26.3063% | 821 |
| Memoranda: | ||
| Average total assets | $216,509,400 | 2,910 |
| Average earning assets | $200,187,000 | 2,876 |
| Average equity | $22,872,200 | 2,783 |
| Average total loans | $80,412,000 | 4,334 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 5,080 |
| Cost of funding earning assets | 0.9706% | 6,077 |
| Net interest margin | 3.9694% | 3,237 |
| Noninterest income to average assets | 0.4230% | 4,775 |
| Noninterest expense to average assets | 2.8984% | 4,096 |
| Loan and lease loss provision to assets | 0.1708% | 5,332 |
| Net operating income to assets | 0.7148% | 3,354 |
| Return on assets (ROA) | -1.0983% | 6,981 |
| Pretax return on assets | -1.8272% | 7,147 |
| Return on Equity (ROE) | -10.6707% | 6,958 |
| Retained earnings to average equity (ytd only) | -10.6707% | 6,914 |
| Net charge-offs to loans | 0.1389% | 5,191 |
| Credit loss provision to net charge-offs | 333.7349% | 950 |
| Earnings coverage of net charge-offs (x) | 22.9888% | 1,071 |
| Efficiency ratio | 71.1259% | 3,864 |
| Assets per employee ($millions) | 3.8594% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,350 |
| Loan loss allowance to noncurrent loans | 181.1573% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 6,384 |
| Noncurrent loans to loans | 0.7847% | 5,642 |
| Net loans and leases to total assets | 39.1765% | 7,124 |
| Net loans and leases to deposits | 45.4144% | 7,188 |
| Net loans and leases to core deposits | 50.7876% | 7,090 |
| Total domestic deposits to total assets | 86.2646% | 2,939 |
| Equity capital to assets | 11.1384% | 2,826 |
| Core capital (leverage) ratio | 10.3745% | 2,834 |
| Tier 1 risk-based capital ratio | 20.5661% | 1,432 |
| Total risk-based capital ratio | 21.7082% | 1,438 |
| Memoranda: | ||
| Average total assets | $216,208,250 | 2,964 |
| Average earning assets | $198,916,750 | 2,939 |
| Average equity | $22,253,500 | 2,895 |
| Average total loans | $79,685,250 | 4,412 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 4,503 |
| Cost of funding earning assets | 1.0501% | 5,914 |
| Net interest margin | 4.0414% | 2,834 |
| Noninterest income to average assets | 0.4042% | 4,882 |
| Noninterest expense to average assets | 2.8820% | 4,140 |
| Loan and lease loss provision to assets | 0.2053% | 4,820 |
| Net operating income to assets | 0.7236% | 3,299 |
| Return on assets (ROA) | -1.4216% | 7,133 |
| Pretax return on assets | -2.3188% | 7,324 |
| Return on Equity (ROE) | -14.2006% | 7,115 |
| Retained earnings to average equity (ytd only) | -14.2006% | 7,075 |
| Net charge-offs to loans | 0.1726% | 4,581 |
| Credit loss provision to net charge-offs | 331.3433% | 1,102 |
| Earnings coverage of net charge-offs (x) | 19.9851% | 1,235 |
| Efficiency ratio | 69.9439% | 4,201 |
| Assets per employee ($millions) | 3.8845% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 4,230 |
| Loan loss allowance to noncurrent loans | 168.3761% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 6,211 |
| Noncurrent loans to loans | 0.8557% | 5,551 |
| Net loans and leases to total assets | 37.1696% | 7,306 |
| Net loans and leases to deposits | 42.7106% | 7,369 |
| Net loans and leases to core deposits | 47.5808% | 7,299 |
| Total domestic deposits to total assets | 87.0266% | 2,520 |
| Equity capital to assets | 10.3926% | 3,533 |
| Core capital (leverage) ratio | 10.4471% | 2,671 |
| Tier 1 risk-based capital ratio | 22.6173% | 1,108 |
| Total risk-based capital ratio | 23.8023% | 1,098 |
| Memoranda: | ||
| Average total assets | $216,235,330 | 2,980 |
| Average earning assets | $198,844,000 | 2,966 |
| Average equity | $21,647,000 | 2,957 |
| Average total loans | $77,616,330 | 4,520 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3724% | 3,181 |
| Cost of funding earning assets | 1.1073% | 5,869 |
| Net interest margin | 4.2651% | 1,803 |
| Noninterest income to average assets | 0.4063% | 4,863 |
| Noninterest expense to average assets | 2.8777% | 4,147 |
| Loan and lease loss provision to assets | 0.2727% | 3,844 |
| Net operating income to assets | 0.7458% | 3,232 |
| Return on assets (ROA) | -3.5753% | 7,688 |
| Pretax return on assets | -5.5866% | 7,791 |
| Return on Equity (ROE) | -36.4152% | 7,629 |
| Retained earnings to average equity (ytd only) | -36.4152% | 7,611 |
| Net charge-offs to loans | 0.3183% | 3,139 |
| Credit loss provision to net charge-offs | 245.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 12.9167% | 1,534 |
| Efficiency ratio | 66.6810% | 4,976 |
| Assets per employee ($millions) | 3.8740% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,463 |
| Loan loss allowance to noncurrent loans | 144.8635% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 6,194 |
| Noncurrent loans to loans | 0.9600% | 5,417 |
| Net loans and leases to total assets | 35.7703% | 7,432 |
| Net loans and leases to deposits | 40.8516% | 7,494 |
| Net loans and leases to core deposits | 41.3406% | 7,539 |
| Total domestic deposits to total assets | 87.5616% | 2,327 |
| Equity capital to assets | 9.9037% | 3,985 |
| Core capital (leverage) ratio | 10.2743% | 2,838 |
| Tier 1 risk-based capital ratio | 20.5556% | 1,416 |
| Total risk-based capital ratio | 21.5884% | 1,425 |
| Memoranda: | ||
| Average total assets | $215,588,000 | 3,040 |
| Average earning assets | $197,603,000 | 3,033 |
| Average equity | $21,167,000 | 3,047 |
| Average total loans | $75,406,000 | 4,659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0487% | 1,675 |
| Cost of funding earning assets | 2.3946% | 1,315 |
| Net interest margin | 3.6541% | 4,335 |
| Noninterest income to average assets | 0.3912% | 5,286 |
| Noninterest expense to average assets | 2.5793% | 5,865 |
| Loan and lease loss provision to assets | 0.3357% | 4,791 |
| Net operating income to assets | 0.6859% | 2,992 |
| Return on assets (ROA) | -0.3158% | 5,987 |
| Pretax return on assets | -0.7395% | 6,224 |
| Return on Equity (ROE) | -4.9237% | 6,206 |
| Retained earnings to average equity (ytd only) | -7.8279% | 6,330 |
| Net charge-offs to loans | 0.2569% | 5,015 |
| Credit loss provision to net charge-offs | 447.9769% | 693 |
| Earnings coverage of net charge-offs (x) | 15.4971% | 1,308 |
| Efficiency ratio | 68.9519% | 4,836 |
| Assets per employee ($millions) | 3.6269% | 4,708 |
| Cash dividends to net income (ytd only)* | -58.9849% | 7,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 3,959 |
| Loan loss allowance to noncurrent loans | 2,013.7255% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 6,872 |
| Noncurrent loans to loans | 0.0721% | 7,242 |
| Net loans and leases to total assets | 33.1262% | 7,625 |
| Net loans and leases to deposits | 37.9226% | 7,681 |
| Net loans and leases to core deposits | 47.8264% | 7,636 |
| Total domestic deposits to total assets | 87.3521% | 2,295 |
| Equity capital to assets | 9.7286% | 4,106 |
| Core capital (leverage) ratio | 11.0040% | 2,220 |
| Tier 1 risk-based capital ratio | 22.8661% | 1,054 |
| Total risk-based capital ratio | 23.7905% | 1,063 |
| Memoranda: | ||
| Average total assets | $230,834,000 | 2,814 |
| Average earning assets | $211,598,800 | 2,817 |
| Average equity | $14,806,000 | 4,094 |
| Average total loans | $67,347,600 | 4,967 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0520% | 1,832 |
| Cost of funding earning assets | 2.0421% | 3,158 |
| Net interest margin | 4.0098% | 2,768 |
| Noninterest income to average assets | 0.3752% | 5,510 |
| Noninterest expense to average assets | 2.4117% | 6,385 |
| Loan and lease loss provision to assets | 0.3814% | 4,038 |
| Net operating income to assets | 1.2929% | 1,237 |
| Return on assets (ROA) | 0.4594% | 4,269 |
| Pretax return on assets | 0.4311% | 4,714 |
| Return on Equity (ROE) | 8.0946% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.8133% | 3,158 |
| Net charge-offs to loans | 0.1644% | 5,076 |
| Credit loss provision to net charge-offs | 823.1707% | 465 |
| Earnings coverage of net charge-offs (x) | 35.5246% | 821 |
| Efficiency ratio | 59.4346% | 6,493 |
| Assets per employee ($millions) | 4.0552% | 3,629 |
| Cash dividends to net income (ytd only)* | 52.8908% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,665 |
| Loan loss allowance to noncurrent loans | 115.2888% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 6,535 |
| Noncurrent loans to loans | 1.2629% | 4,832 |
| Net loans and leases to total assets | 29.2938% | 7,822 |
| Net loans and leases to deposits | 36.5824% | 7,807 |
| Net loans and leases to core deposits | 45.6887% | 7,772 |
| Total domestic deposits to total assets | 80.0764% | 5,404 |
| Equity capital to assets | 6.3507% | 7,795 |
| Core capital (leverage) ratio | 7.7719% | 6,642 |
| Tier 1 risk-based capital ratio | 14.1265% | 3,478 |
| Total risk-based capital ratio | 14.8967% | 3,691 |
| Memoranda: | ||
| Average total assets | $235,952,750 | 2,771 |
| Average earning assets | $216,696,000 | 2,765 |
| Average equity | $13,391,250 | 4,436 |
| Average total loans | $66,506,750 | 5,041 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1332% | 1,678 |
| Cost of funding earning assets | 2.0693% | 3,427 |
| Net interest margin | 4.0638% | 2,452 |
| Noninterest income to average assets | 0.3522% | 5,686 |
| Noninterest expense to average assets | 2.3810% | 6,520 |
| Loan and lease loss provision to assets | 0.0847% | 6,329 |
| Net operating income to assets | 1.2384% | 1,387 |
| Return on assets (ROA) | 1.2997% | 1,312 |
| Pretax return on assets | 1.6926% | 1,032 |
| Return on Equity (ROE) | 23.8428% | 160 |
| Retained earnings to average equity (ytd only) | 17.1637% | 129 |
| Net charge-offs to loans | 0.1866% | 4,396 |
| Credit loss provision to net charge-offs | 163.9344% | 2,796 |
| Earnings coverage of net charge-offs (x) | 32.8689% | 936 |
| Efficiency ratio | 58.3766% | 6,798 |
| Assets per employee ($millions) | 4.1976% | 3,304 |
| Cash dividends to net income (ytd only)* | 28.0130% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 7,415 |
| Loan loss allowance to noncurrent loans | 403.4783% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 7,457 |
| Noncurrent loans to loans | 0.1745% | 7,084 |
| Net loans and leases to total assets | 27.3518% | 7,939 |
| Net loans and leases to deposits | 34.3057% | 7,931 |
| Net loans and leases to core deposits | 42.4150% | 7,902 |
| Total domestic deposits to total assets | 79.7295% | 5,553 |
| Equity capital to assets | 4.5481% | 8,069 |
| Core capital (leverage) ratio | 8.4136% | 5,594 |
| Tier 1 risk-based capital ratio | 12.7278% | 4,336 |
| Total risk-based capital ratio | 13.0215% | 5,048 |
| Memoranda: | ||
| Average total assets | $236,202,670 | 2,790 |
| Average earning assets | $216,593,330 | 2,789 |
| Average equity | $12,876,000 | 4,576 |
| Average total loans | $65,369,670 | 5,129 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1586% | 1,730 |
| Cost of funding earning assets | 2.1172% | 3,574 |
| Net interest margin | 4.0414% | 2,486 |
| Noninterest income to average assets | 0.3222% | 5,875 |
| Noninterest expense to average assets | 2.3454% | 6,386 |
| Loan and lease loss provision to assets | 0.0682% | 6,098 |
| Net operating income to assets | 1.2316% | 1,557 |
| Return on assets (ROA) | 1.3534% | 1,340 |
| Pretax return on assets | 1.7812% | 1,015 |
| Return on Equity (ROE) | 22.8934% | 270 |
| Retained earnings to average equity (ytd only) | 10.4952% | 1,076 |
| Net charge-offs to loans | 0.0307% | 5,090 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 198.2000% | 211 |
| Efficiency ratio | 58.1327% | 6,684 |
| Assets per employee ($millions) | 4.2889% | 3,101 |
| Cash dividends to net income (ytd only)* | 54.1562% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 7,388 |
| Loan loss allowance to noncurrent loans | 621.6216% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 7,509 |
| Noncurrent loans to loans | 0.1156% | 7,195 |
| Net loans and leases to total assets | 25.9910% | 8,003 |
| Net loans and leases to deposits | 32.8634% | 7,998 |
| Net loans and leases to core deposits | 40.0137% | 7,981 |
| Total domestic deposits to total assets | 79.0882% | 5,689 |
| Equity capital to assets | 6.6517% | 7,826 |
| Core capital (leverage) ratio | 8.4737% | 5,591 |
| Tier 1 risk-based capital ratio | 13.9893% | 3,593 |
| Total risk-based capital ratio | 14.3163% | 4,061 |
| Memoranda: | ||
| Average total assets | $234,672,000 | 2,821 |
| Average earning assets | $215,568,500 | 2,814 |
| Average equity | $13,873,000 | 4,366 |
| Average total loans | $65,101,000 | 5,162 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2189% | 4,418 |
| Cost of funding earning assets | 2.4656% | 4,387 |
| Net interest margin | 3.7533% | 4,214 |
| Noninterest income to average assets | 0.3963% | 5,499 |
| Noninterest expense to average assets | 2.1778% | 7,022 |
| Loan and lease loss provision to assets | 0.0427% | 6,880 |
| Net operating income to assets | 1.1980% | 1,772 |
| Return on assets (ROA) | -0.6911% | 6,967 |
| Pretax return on assets | -1.2743% | 7,150 |
| Return on Equity (ROE) | -8.5327% | 7,162 |
| Retained earnings to average equity (ytd only) | -13.0940% | 7,343 |
| Net charge-offs to loans | 0.3969% | 2,830 |
| Credit loss provision to net charge-offs | 38.9105% | 6,460 |
| Earnings coverage of net charge-offs (x) | 15.6887% | 1,915 |
| Efficiency ratio | 55.8717% | 7,033 |
| Assets per employee ($millions) | 3.9452% | 3,630 |
| Cash dividends to net income (ytd only)* | -53.4568% | 8,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 7,570 |
| Loan loss allowance to noncurrent loans | 324.4275% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 7,306 |
| Noncurrent loans to loans | 0.1979% | 6,796 |
| Net loans and leases to total assets | 29.2504% | 8,011 |
| Net loans and leases to deposits | 36.7463% | 8,005 |
| Net loans and leases to core deposits | 46.4373% | 7,957 |
| Total domestic deposits to total assets | 79.6010% | 5,166 |
| Equity capital to assets | 5.1072% | 8,175 |
| Core capital (leverage) ratio | 8.7464% | 5,119 |
| Tier 1 risk-based capital ratio | 14.7142% | 3,197 |
| Total risk-based capital ratio | 15.0177% | 3,580 |
| Memoranda: | ||
| Average total assets | $234,409,600 | 2,709 |
| Average earning assets | $218,686,800 | 2,674 |
| Average equity | $18,985,800 | 3,397 |
| Average total loans | $64,752,000 | 5,063 |