Home > First National Bank USA > Performance and Condition Ratios
First National Bank USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 934 |
| Cost of funding earning assets | 0.6618% | 3,982 |
| Net interest margin | 5.0325% | 305 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.5597% | 2,129 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.1145% | 392 |
| Return on assets (ROA) | 2.1145% | 382 |
| Pretax return on assets | 2.6032% | 300 |
| Return on Equity (ROE) | 18.5200% | 755 |
| Retained earnings to average equity (ytd only) | 14.6268% | 359 |
| Net charge-offs to loans | 0.0020% | 2,739 |
| Credit loss provision to net charge-offs | 1,450.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 2,678.0000% | 50 |
| Efficiency ratio | 49.4431% | 4,017 |
| Assets per employee ($millions) | 6.7892% | 2,217 |
| Cash dividends to net income (ytd only)* | 21.0307% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,010 |
| Loan loss allowance to noncurrent loans | 735.3846% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 2,877 |
| Noncurrent loans to loans | 0.2057% | 2,485 |
| Net loans and leases to total assets | 45.8400% | 3,817 |
| Net loans and leases to deposits | 52.5073% | 3,858 |
| Net loans and leases to core deposits | 54.4327% | 3,963 |
| Total domestic deposits to total assets | 87.2900% | 1,591 |
| Equity capital to assets | 12.3843% | 1,013 |
| Core capital (leverage) ratio | 12.3369% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $204,635,800 | 2,959 |
| Average earning assets | $192,191,000 | 2,930 |
| Average equity | $23,361,200 | 2,603 |
| Average total loans | $99,502,800 | 3,179 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6068% | 904 |
| Cost of funding earning assets | 0.5910% | 3,988 |
| Net interest margin | 5.0158% | 300 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4281% | 2,441 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.0688% | 457 |
| Return on assets (ROA) | 2.0688% | 451 |
| Pretax return on assets | 2.6064% | 344 |
| Return on Equity (ROE) | 18.5100% | 877 |
| Retained earnings to average equity (ytd only) | 14.2615% | 642 |
| Net charge-offs to loans | 0.0026% | 2,445 |
| Credit loss provision to net charge-offs | 1,450.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 2,017.0000% | 69 |
| Efficiency ratio | 48.0489% | 4,040 |
| Assets per employee ($millions) | 7.4854% | 1,641 |
| Cash dividends to net income (ytd only)* | 22.9632% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 1,112 |
| Loan loss allowance to noncurrent loans | 2,759.6154% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,553 |
| Noncurrent loans to loans | 0.0544% | 3,364 |
| Net loans and leases to total assets | 46.5800% | 3,805 |
| Net loans and leases to deposits | 53.2077% | 3,826 |
| Net loans and leases to core deposits | 55.0681% | 3,898 |
| Total domestic deposits to total assets | 87.5400% | 1,725 |
| Equity capital to assets | 11.7655% | 1,100 |
| Core capital (leverage) ratio | 12.1696% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $204,875,500 | 2,960 |
| Average earning assets | $192,213,500 | 2,936 |
| Average equity | $22,895,500 | 2,630 |
| Average total loans | $100,680,750 | 3,170 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5927% | 741 |
| Cost of funding earning assets | 0.5011% | 3,973 |
| Net interest margin | 5.0917% | 272 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.3858% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1720% | 372 |
| Return on assets (ROA) | 2.1720% | 363 |
| Pretax return on assets | 2.7435% | 268 |
| Return on Equity (ROE) | 19.7800% | 734 |
| Retained earnings to average equity (ytd only) | 15.5303% | 511 |
| Net charge-offs to loans | -0.0137% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.5138% | 4,142 |
| Assets per employee ($millions) | 6.5966% | 2,217 |
| Cash dividends to net income (ytd only)* | 21.4765% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,561 |
| Loan loss allowance to noncurrent loans | 2,620.3704% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,515 |
| Noncurrent loans to loans | 0.0531% | 3,321 |
| Net loans and leases to total assets | 50.6500% | 3,513 |
| Net loans and leases to deposits | 57.8548% | 3,545 |
| Net loans and leases to core deposits | 59.9123% | 3,638 |
| Total domestic deposits to total assets | 87.5500% | 1,769 |
| Equity capital to assets | 11.8773% | 1,083 |
| Core capital (leverage) ratio | 11.3869% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $205,798,333 | 2,961 |
| Average earning assets | $193,179,000 | 2,942 |
| Average equity | $22,601,000 | 2,656 |
| Average total loans | $102,384,333 | 3,150 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 762 |
| Cost of funding earning assets | 0.3588% | 4,053 |
| Net interest margin | 5.0133% | 298 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.4010% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0901% | 434 |
| Return on assets (ROA) | 2.0901% | 428 |
| Pretax return on assets | 2.6317% | 309 |
| Return on Equity (ROE) | 19.7900% | 793 |
| Retained earnings to average equity (ytd only) | 17.0843% | 585 |
| Net charge-offs to loans | -0.0117% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.7075% | 4,103 |
| Assets per employee ($millions) | 6.4696% | 2,359 |
| Cash dividends to net income (ytd only)* | 13.6861% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,824 |
| Loan loss allowance to noncurrent loans | 2,352.5424% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,499 |
| Noncurrent loans to loans | 0.0573% | 3,324 |
| Net loans and leases to total assets | 49.0500% | 3,562 |
| Net loans and leases to deposits | 55.3235% | 3,609 |
| Net loans and leases to core deposits | 57.1769% | 3,679 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 11.0188% | 1,330 |
| Core capital (leverage) ratio | 10.5906% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $209,748,000 | 2,973 |
| Average earning assets | $197,315,000 | 2,944 |
| Average equity | $22,149,000 | 2,706 |
| Average total loans | $102,748,500 | 3,178 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 2,518 |
| Cost of funding earning assets | 0.2301% | 3,517 |
| Net interest margin | 3.4728% | 2,023 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3136% | 2,682 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1736% | 1,878 |
| Return on assets (ROA) | 1.1736% | 1,816 |
| Pretax return on assets | 1.4006% | 1,769 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.6336% | 1,267 |
| Net charge-offs to loans | 0.0010% | 2,547 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | 3,016.0000% | 45 |
| Efficiency ratio | 62.5388% | 2,694 |
| Assets per employee ($millions) | 7.0823% | 1,908 |
| Cash dividends to net income (ytd only)* | 23.1010% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 540 |
| Loan loss allowance to noncurrent loans | 1,804.6296% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,295 |
| Noncurrent loans to loans | 0.1053% | 3,015 |
| Net loans and leases to total assets | 47.3500% | 3,716 |
| Net loans and leases to deposits | 52.7761% | 3,744 |
| Net loans and leases to core deposits | 54.1740% | 3,799 |
| Total domestic deposits to total assets | 89.7200% | 1,475 |
| Equity capital to assets | 10.1126% | 1,656 |
| Core capital (leverage) ratio | 9.7884% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,622,400 | 2,920 |
| Average earning assets | $204,733,000 | 2,896 |
| Average equity | $20,387,000 | 2,920 |
| Average total loans | $103,786,400 | 3,098 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3051% | 3,164 |
| Cost of funding earning assets | 0.2203% | 3,038 |
| Net interest margin | 3.0849% | 2,976 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.1360% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9849% | 2,527 |
| Return on assets (ROA) | 0.9849% | 2,503 |
| Pretax return on assets | 1.2218% | 2,283 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.8302% | 1,716 |
| Net charge-offs to loans | 0.0154% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 167.1667% | 701 |
| Efficiency ratio | 63.6133% | 2,606 |
| Assets per employee ($millions) | 8.2227% | 1,208 |
| Cash dividends to net income (ytd only)* | 17.6252% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 591 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,234 |
| Noncurrent loans to loans | 0.1413% | 2,919 |
| Net loans and leases to total assets | 45.6700% | 3,783 |
| Net loans and leases to deposits | 50.5673% | 3,816 |
| Net loans and leases to core deposits | 51.6700% | 3,871 |
| Total domestic deposits to total assets | 90.3100% | 1,521 |
| Equity capital to assets | 9.3931% | 1,956 |
| Core capital (leverage) ratio | 9.5698% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $218,911,000 | 2,932 |
| Average earning assets | $205,815,500 | 2,910 |
| Average equity | $20,112,250 | 2,984 |
| Average total loans | $104,094,000 | 3,107 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0037% | 3,550 |
| Cost of funding earning assets | 0.2249% | 2,586 |
| Net interest margin | 2.7788% | 3,504 |
| Noninterest income to average assets | 0.4186% | 2,639 |
| Noninterest expense to average assets | 2.1012% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7454% | 3,157 |
| Return on assets (ROA) | 0.7454% | 3,113 |
| Pretax return on assets | 0.9262% | 2,977 |
| Return on Equity (ROE) | 8.1752% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.0677% | 1,965 |
| Net charge-offs to loans | -0.0134% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4057% | 2,047 |
| Assets per employee ($millions) | 6.8675% | 2,026 |
| Cash dividends to net income (ytd only)* | 13.5468% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 599 |
| Loan loss allowance to noncurrent loans | 326.7652% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 1,101 |
| Noncurrent loans to loans | 0.5991% | 1,414 |
| Net loans and leases to total assets | 46.8104% | 3,653 |
| Net loans and leases to deposits | 51.8426% | 3,699 |
| Net loans and leases to core deposits | 53.1953% | 3,748 |
| Total domestic deposits to total assets | 90.2932% | 1,581 |
| Equity capital to assets | 9.4996% | 2,015 |
| Core capital (leverage) ratio | 9.1466% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,876,667 | 2,965 |
| Average earning assets | $204,548,000 | 2,961 |
| Average equity | $19,865,000 | 3,084 |
| Average total loans | $104,338,000 | 3,127 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8382% | 3,665 |
| Cost of funding earning assets | 0.2164% | 2,574 |
| Net interest margin | 2.6218% | 3,606 |
| Noninterest income to average assets | 0.5191% | 2,049 |
| Noninterest expense to average assets | 2.1346% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6843% | 3,113 |
| Return on assets (ROA) | 0.6843% | 3,101 |
| Pretax return on assets | 0.8477% | 2,954 |
| Return on Equity (ROE) | 7.6605% | 2,823 |
| Retained earnings to average equity (ytd only) | 6.6445% | 2,014 |
| Net charge-offs to loans | -0.0303% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5764% | 2,032 |
| Assets per employee ($millions) | 7.5590% | 1,649 |
| Cash dividends to net income (ytd only)* | 13.2626% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 742 |
| Loan loss allowance to noncurrent loans | 1,382.6389% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 1,979 |
| Noncurrent loans to loans | 0.1375% | 3,120 |
| Net loans and leases to total assets | 45.3166% | 3,635 |
| Net loans and leases to deposits | 49.7370% | 3,750 |
| Net loans and leases to core deposits | 51.0078% | 3,808 |
| Total domestic deposits to total assets | 91.1126% | 973 |
| Equity capital to assets | 8.7529% | 2,931 |
| Core capital (leverage) ratio | 9.0486% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,368,500 | 2,961 |
| Average earning assets | $207,035,500 | 2,952 |
| Average equity | $19,685,500 | 3,168 |
| Average total loans | $105,684,000 | 3,115 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 1,216 |
| Cost of funding earning assets | 0.3120% | 2,273 |
| Net interest margin | 3.7542% | 1,095 |
| Noninterest income to average assets | 0.4134% | 2,983 |
| Noninterest expense to average assets | 2.7357% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2248% | 1,837 |
| Return on assets (ROA) | 1.2248% | 1,887 |
| Pretax return on assets | 1.1892% | 2,697 |
| Return on Equity (ROE) | 11.0687% | 2,143 |
| Retained earnings to average equity (ytd only) | 2.8812% | 3,687 |
| Net charge-offs to loans | -0.0431% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7005% | 1,775 |
| Assets per employee ($millions) | 7.3781% | 1,679 |
| Cash dividends to net income (ytd only)* | 73.9700% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 786 |
| Loan loss allowance to noncurrent loans | 451.7084% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,541 |
| Noncurrent loans to loans | 0.4118% | 2,123 |
| Net loans and leases to total assets | 48.8998% | 3,415 |
| Net loans and leases to deposits | 53.8805% | 3,607 |
| Net loans and leases to core deposits | 55.5379% | 3,660 |
| Total domestic deposits to total assets | 90.7560% | 602 |
| Equity capital to assets | 9.1239% | 3,485 |
| Core capital (leverage) ratio | 9.6194% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,397,600 | 3,256 |
| Average earning assets | $163,123,000 | 3,242 |
| Average equity | $19,297,600 | 3,274 |
| Average total loans | $111,251,000 | 3,060 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 704 |
| Cost of funding earning assets | 0.3385% | 2,213 |
| Net interest margin | 4.1335% | 614 |
| Noninterest income to average assets | 0.4312% | 2,928 |
| Noninterest expense to average assets | 2.9664% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1395% | 2,406 |
| Return on assets (ROA) | 1.1395% | 2,468 |
| Pretax return on assets | 1.3243% | 2,558 |
| Return on Equity (ROE) | 9.7426% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.3377% | 3,465 |
| Net charge-offs to loans | -0.0427% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1349% | 1,693 |
| Assets per employee ($millions) | 5.8771% | 2,809 |
| Cash dividends to net income (ytd only)* | 55.4765% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 975 |
| Loan loss allowance to noncurrent loans | 442.9213% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 2,422 |
| Noncurrent loans to loans | 0.4013% | 2,356 |
| Net loans and leases to total assets | 66.1862% | 1,520 |
| Net loans and leases to deposits | 75.3343% | 1,734 |
| Net loans and leases to core deposits | 78.3225% | 1,873 |
| Total domestic deposits to total assets | 87.8567% | 1,933 |
| Equity capital to assets | 11.9063% | 1,443 |
| Core capital (leverage) ratio | 11.9680% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,505,500 | 3,385 |
| Average earning assets | $153,604,000 | 3,373 |
| Average equity | $19,241,500 | 3,323 |
| Average total loans | $112,410,750 | 3,078 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 895 |
| Cost of funding earning assets | 0.3458% | 2,353 |
| Net interest margin | 4.0216% | 790 |
| Noninterest income to average assets | 0.4377% | 2,916 |
| Noninterest expense to average assets | 3.0057% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9168% | 3,173 |
| Return on assets (ROA) | 0.9168% | 3,249 |
| Pretax return on assets | 1.1940% | 2,930 |
| Return on Equity (ROE) | 7.8852% | 3,437 |
| Retained earnings to average equity (ytd only) | -0.2719% | 4,547 |
| Net charge-offs to loans | -0.0372% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5692% | 1,471 |
| Assets per employee ($millions) | 5.5614% | 3,049 |
| Cash dividends to net income (ytd only)* | 103.4483% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 1,050 |
| Loan loss allowance to noncurrent loans | 460.2353% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 2,564 |
| Noncurrent loans to loans | 0.3698% | 2,572 |
| Net loans and leases to total assets | 72.5396% | 903 |
| Net loans and leases to deposits | 82.9860% | 1,127 |
| Net loans and leases to core deposits | 86.4763% | 1,383 |
| Total domestic deposits to total assets | 87.4119% | 2,126 |
| Equity capital to assets | 12.1623% | 1,294 |
| Core capital (leverage) ratio | 11.3183% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,487,333 | 3,389 |
| Average earning assets | $153,867,333 | 3,376 |
| Average equity | $19,124,333 | 3,327 |
| Average total loans | $112,918,667 | 3,083 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 567 |
| Cost of funding earning assets | 0.3485% | 2,532 |
| Net interest margin | 4.3557% | 468 |
| Noninterest income to average assets | 0.2440% | 3,932 |
| Noninterest expense to average assets | 2.9016% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4283% | 1,499 |
| Return on assets (ROA) | 1.4283% | 1,571 |
| Pretax return on assets | 1.4283% | 2,198 |
| Return on Equity (ROE) | 12.5514% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.4699% | 1,527 |
| Net charge-offs to loans | -0.0357% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0131% | 2,081 |
| Assets per employee ($millions) | 6.1664% | 2,441 |
| Cash dividends to net income (ytd only)* | 16.5837% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 1,054 |
| Loan loss allowance to noncurrent loans | 419.1810% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 2,685 |
| Noncurrent loans to loans | 0.4048% | 2,653 |
| Net loans and leases to total assets | 63.0130% | 2,169 |
| Net loans and leases to deposits | 70.7999% | 2,433 |
| Net loans and leases to core deposits | 73.3308% | 2,578 |
| Total domestic deposits to total assets | 89.0015% | 1,343 |
| Equity capital to assets | 10.8872% | 1,945 |
| Core capital (leverage) ratio | 11.6907% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,871,500 | 3,350 |
| Average earning assets | $158,414,500 | 3,324 |
| Average equity | $19,217,000 | 3,309 |
| Average total loans | $111,921,000 | 3,101 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 908 |
| Cost of funding earning assets | 0.5578% | 2,567 |
| Net interest margin | 4.1337% | 735 |
| Noninterest income to average assets | 0.4720% | 2,766 |
| Noninterest expense to average assets | 3.0044% | 1,426 |
| Loan and lease loss provision to assets | 0.0013% | 4,311 |
| Net operating income to assets | 1.2931% | 1,269 |
| Return on assets (ROA) | 1.2931% | 1,370 |
| Pretax return on assets | 1.2931% | 2,000 |
| Return on Equity (ROE) | 10.7530% | 1,723 |
| Retained earnings to average equity (ytd only) | 8.5163% | 902 |
| Net charge-offs to loans | 0.1347% | 1,197 |
| Credit loss provision to net charge-offs | 1.4184% | 3,263 |
| Earnings coverage of net charge-offs (x) | 13.6525% | 2,267 |
| Efficiency ratio | 69.8889% | 1,962 |
| Assets per employee ($millions) | 5.2973% | 3,050 |
| Cash dividends to net income (ytd only)* | 20.8008% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 904 |
| Loan loss allowance to noncurrent loans | 404.8117% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 1,678 |
| Noncurrent loans to loans | 0.4377% | 2,659 |
| Net loans and leases to total assets | 67.5059% | 1,887 |
| Net loans and leases to deposits | 76.7864% | 2,198 |
| Net loans and leases to core deposits | 79.7779% | 2,387 |
| Total domestic deposits to total assets | 87.9139% | 1,519 |
| Equity capital to assets | 11.9338% | 1,608 |
| Core capital (leverage) ratio | 11.5686% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,714,000 | 3,416 |
| Average earning assets | $137,673,800 | 3,414 |
| Average equity | $17,883,400 | 3,378 |
| Average total loans | $104,689,200 | 3,169 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 1,945 |
| Cost of funding earning assets | 0.5954% | 2,642 |
| Net interest margin | 3.7709% | 1,706 |
| Noninterest income to average assets | 0.4379% | 2,895 |
| Noninterest expense to average assets | 3.0139% | 1,415 |
| Loan and lease loss provision to assets | 0.0021% | 4,227 |
| Net operating income to assets | 0.9058% | 2,677 |
| Return on assets (ROA) | 0.9058% | 2,808 |
| Pretax return on assets | 0.9058% | 3,369 |
| Return on Equity (ROE) | 7.5170% | 3,005 |
| Retained earnings to average equity (ytd only) | 4.4890% | 2,806 |
| Net charge-offs to loans | 0.2626% | 587 |
| Credit loss provision to net charge-offs | 0.9804% | 3,005 |
| Earnings coverage of net charge-offs (x) | 4.8775% | 2,783 |
| Efficiency ratio | 76.8551% | 1,130 |
| Assets per employee ($millions) | 5.4731% | 2,736 |
| Cash dividends to net income (ytd only)* | 40.2820% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 1,037 |
| Loan loss allowance to noncurrent loans | 179.8271% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 1,086 |
| Noncurrent loans to loans | 0.9025% | 1,658 |
| Net loans and leases to total assets | 71.4974% | 1,744 |
| Net loans and leases to deposits | 81.1934% | 2,182 |
| Net loans and leases to core deposits | 84.7878% | 2,401 |
| Total domestic deposits to total assets | 88.0581% | 1,200 |
| Equity capital to assets | 11.3628% | 2,106 |
| Core capital (leverage) ratio | 10.9889% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,163,000 | 3,431 |
| Average earning assets | $135,029,250 | 3,428 |
| Average equity | $17,613,000 | 3,405 |
| Average total loans | $103,558,000 | 3,193 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 2,016 |
| Cost of funding earning assets | 0.6390% | 2,762 |
| Net interest margin | 3.8265% | 1,754 |
| Noninterest income to average assets | 0.3944% | 3,120 |
| Noninterest expense to average assets | 3.1146% | 1,324 |
| Loan and lease loss provision to assets | 0.0028% | 4,122 |
| Net operating income to assets | 0.8029% | 3,037 |
| Return on assets (ROA) | 0.8029% | 3,154 |
| Pretax return on assets | 0.8029% | 3,577 |
| Return on Equity (ROE) | 6.5246% | 3,324 |
| Retained earnings to average equity (ytd only) | 1.9459% | 3,784 |
| Net charge-offs to loans | -0.0944% | 4,831 |
| Credit loss provision to net charge-offs | -4.2553% | 3,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4466% | 930 |
| Assets per employee ($millions) | 5.3488% | 2,777 |
| Cash dividends to net income (ytd only)* | 70.1754% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9392% | 487 |
| Loan loss allowance to noncurrent loans | 130.3254% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.4128% | 688 |
| Noncurrent loans to loans | 1.4879% | 1,018 |
| Net loans and leases to total assets | 66.9041% | 2,509 |
| Net loans and leases to deposits | 75.7086% | 2,905 |
| Net loans and leases to core deposits | 79.1520% | 3,017 |
| Total domestic deposits to total assets | 88.3706% | 1,006 |
| Equity capital to assets | 10.9763% | 2,363 |
| Core capital (leverage) ratio | 12.2499% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3712% | 552 |
| Memoranda: | ||
| Average total assets | $141,977,667 | 3,459 |
| Average earning assets | $130,823,667 | 3,463 |
| Average equity | $17,472,333 | 3,418 |
| Average total loans | $99,626,667 | 3,238 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 1,278 |
| Cost of funding earning assets | 0.7237% | 2,815 |
| Net interest margin | 4.1417% | 1,050 |
| Noninterest income to average assets | 0.4671% | 2,713 |
| Noninterest expense to average assets | 3.2968% | 1,233 |
| Loan and lease loss provision to assets | 0.0060% | 3,676 |
| Net operating income to assets | 0.9583% | 2,320 |
| Return on assets (ROA) | 0.9583% | 2,423 |
| Pretax return on assets | 0.9583% | 2,971 |
| Return on Equity (ROE) | 7.3095% | 2,826 |
| Retained earnings to average equity (ytd only) | -1.8848% | 4,234 |
| Net charge-offs to loans | -0.1352% | 4,883 |
| Credit loss provision to net charge-offs | -6.2500% | 3,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3692% | 1,415 |
| Assets per employee ($millions) | 4.2523% | 3,593 |
| Cash dividends to net income (ytd only)* | 125.7862% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2608% | 344 |
| Loan loss allowance to noncurrent loans | 183.7838% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.7292% | 555 |
| Noncurrent loans to loans | 1.2301% | 1,327 |
| Net loans and leases to total assets | 66.9751% | 2,704 |
| Net loans and leases to deposits | 77.0020% | 2,979 |
| Net loans and leases to core deposits | 81.2364% | 3,092 |
| Total domestic deposits to total assets | 86.9783% | 1,563 |
| Equity capital to assets | 12.7586% | 1,582 |
| Core capital (leverage) ratio | 12.4016% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0679% | 637 |
| Memoranda: | ||
| Average total assets | $132,734,500 | 3,555 |
| Average earning assets | $121,591,500 | 3,558 |
| Average equity | $17,402,000 | 3,433 |
| Average total loans | $94,700,000 | 3,308 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3876% | 679 |
| Cost of funding earning assets | 0.7376% | 2,983 |
| Net interest margin | 4.6500% | 519 |
| Noninterest income to average assets | 0.4374% | 3,069 |
| Noninterest expense to average assets | 3.4193% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3031% | 1,682 |
| Return on assets (ROA) | 1.3031% | 1,757 |
| Pretax return on assets | 1.3031% | 2,496 |
| Return on Equity (ROE) | 9.7641% | 2,408 |
| Retained earnings to average equity (ytd only) | 4.4918% | 2,711 |
| Net charge-offs to loans | -0.1147% | 4,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4065% | 1,810 |
| Assets per employee ($millions) | 4.0436% | 3,855 |
| Cash dividends to net income (ytd only)* | 53.9964% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 357 |
| Loan loss allowance to noncurrent loans | 123.2323% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 2.2311% | 321 |
| Noncurrent loans to loans | 1.7503% | 780 |
| Net loans and leases to total assets | 72.7094% | 1,968 |
| Net loans and leases to deposits | 84.3128% | 2,302 |
| Net loans and leases to core deposits | 89.7233% | 2,451 |
| Total domestic deposits to total assets | 86.2376% | 1,963 |
| Equity capital to assets | 13.4803% | 1,281 |
| Core capital (leverage) ratio | 13.2846% | 1,123 |
| Tier 1 risk-based capital ratio | 20.5657% | 1,243 |
| Total risk-based capital ratio | 21.8296% | 1,209 |
| Memoranda: | ||
| Average total assets | $129,616,600 | 3,569 |
| Average earning assets | $119,441,600 | 3,566 |
| Average equity | $17,298,000 | 3,406 |
| Average total loans | $98,512,600 | 3,248 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4475% | 644 |
| Cost of funding earning assets | 0.7261% | 3,086 |
| Net interest margin | 4.7214% | 474 |
| Noninterest income to average assets | 0.4144% | 3,233 |
| Noninterest expense to average assets | 3.2923% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4745% | 1,258 |
| Return on assets (ROA) | 1.4745% | 1,321 |
| Pretax return on assets | 1.4745% | 2,033 |
| Return on Equity (ROE) | 11.0762% | 1,992 |
| Retained earnings to average equity (ytd only) | 8.0871% | 1,355 |
| Net charge-offs to loans | -0.1265% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0682% | 2,247 |
| Assets per employee ($millions) | 4.2636% | 3,528 |
| Cash dividends to net income (ytd only)* | 26.9876% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1367% | 368 |
| Loan loss allowance to noncurrent loans | 166.8019% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 1.8310% | 533 |
| Noncurrent loans to loans | 1.2810% | 1,215 |
| Net loans and leases to total assets | 71.2115% | 2,286 |
| Net loans and leases to deposits | 82.5131% | 2,618 |
| Net loans and leases to core deposits | 87.0314% | 2,815 |
| Total domestic deposits to total assets | 86.3033% | 1,864 |
| Equity capital to assets | 13.4069% | 1,399 |
| Core capital (leverage) ratio | 13.4111% | 1,164 |
| Tier 1 risk-based capital ratio | 20.5526% | 1,270 |
| Total risk-based capital ratio | 21.8156% | 1,240 |
| Memoranda: | ||
| Average total assets | $129,671,750 | 3,604 |
| Average earning assets | $119,538,500 | 3,605 |
| Average equity | $17,261,750 | 3,437 |
| Average total loans | $99,101,500 | 3,280 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 569 |
| Cost of funding earning assets | 0.7193% | 3,053 |
| Net interest margin | 4.7798% | 423 |
| Noninterest income to average assets | 0.3896% | 3,341 |
| Noninterest expense to average assets | 3.3018% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5027% | 1,143 |
| Return on assets (ROA) | 1.5027% | 1,194 |
| Pretax return on assets | 1.5027% | 1,851 |
| Return on Equity (ROE) | 11.3157% | 1,862 |
| Retained earnings to average equity (ytd only) | 9.4453% | 924 |
| Net charge-offs to loans | -0.0400% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7237% | 2,416 |
| Assets per employee ($millions) | 4.0838% | 3,762 |
| Cash dividends to net income (ytd only)* | 16.5289% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 488 |
| Loan loss allowance to noncurrent loans | 147.3958% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 475 |
| Noncurrent loans to loans | 1.3491% | 1,154 |
| Net loans and leases to total assets | 74.7169% | 1,765 |
| Net loans and leases to deposits | 86.5902% | 2,189 |
| Net loans and leases to core deposits | 91.8437% | 2,430 |
| Total domestic deposits to total assets | 86.2879% | 1,899 |
| Equity capital to assets | 13.3770% | 1,388 |
| Core capital (leverage) ratio | 13.2395% | 1,203 |
| Tier 1 risk-based capital ratio | 20.2146% | 1,304 |
| Total risk-based capital ratio | 21.4774% | 1,277 |
| Memoranda: | ||
| Average total assets | $128,838,670 | 3,635 |
| Average earning assets | $119,002,000 | 3,634 |
| Average equity | $17,109,000 | 3,455 |
| Average total loans | $100,076,670 | 3,283 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6099% | 423 |
| Cost of funding earning assets | 0.7367% | 2,851 |
| Net interest margin | 4.8732% | 352 |
| Noninterest income to average assets | 0.3315% | 3,644 |
| Noninterest expense to average assets | 3.2771% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5635% | 977 |
| Return on assets (ROA) | 1.5635% | 1,005 |
| Pretax return on assets | 1.5635% | 1,564 |
| Return on Equity (ROE) | 11.8182% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.8182% | 644 |
| Net charge-offs to loans | -0.0319% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7003% | 2,680 |
| Assets per employee ($millions) | 3.9634% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 564 |
| Loan loss allowance to noncurrent loans | 145.3137% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 492 |
| Noncurrent loans to loans | 1.3341% | 1,222 |
| Net loans and leases to total assets | 76.1476% | 1,456 |
| Net loans and leases to deposits | 87.9527% | 1,880 |
| Net loans and leases to core deposits | 93.2642% | 2,190 |
| Total domestic deposits to total assets | 86.5779% | 2,016 |
| Equity capital to assets | 13.1300% | 1,380 |
| Core capital (leverage) ratio | 13.2313% | 1,175 |
| Tier 1 risk-based capital ratio | 19.0451% | 1,535 |
| Total risk-based capital ratio | 20.3061% | 1,506 |
| Memoranda: | ||
| Average total assets | $127,918,000 | 3,683 |
| Average earning assets | $118,361,500 | 3,678 |
| Average equity | $16,923,000 | 3,482 |
| Average total loans | $100,304,500 | 3,323 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 805 |
| Cost of funding earning assets | 0.5324% | 3,163 |
| Net interest margin | 4.5935% | 613 |
| Noninterest income to average assets | 0.4430% | 3,148 |
| Noninterest expense to average assets | 3.5254% | 967 |
| Loan and lease loss provision to assets | 0.0032% | 4,041 |
| Net operating income to assets | 1.1695% | 2,317 |
| Return on assets (ROA) | 1.1695% | 2,308 |
| Pretax return on assets | 1.1695% | 3,019 |
| Return on Equity (ROE) | 8.5269% | 3,207 |
| Retained earnings to average equity (ytd only) | -12.1113% | 5,337 |
| Net charge-offs to loans | -0.0042% | 4,323 |
| Credit loss provision to net charge-offs | -100.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0388% | 1,490 |
| Assets per employee ($millions) | 3.9076% | 4,031 |
| Cash dividends to net income (ytd only)* | 242.0360% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 490 |
| Loan loss allowance to noncurrent loans | 121.5127% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 2.2856% | 366 |
| Noncurrent loans to loans | 1.6286% | 896 |
| Net loans and leases to total assets | 77.6407% | 1,330 |
| Net loans and leases to deposits | 92.3810% | 1,497 |
| Net loans and leases to core deposits | 98.1231% | 1,856 |
| Total domestic deposits to total assets | 84.0440% | 2,982 |
| Equity capital to assets | 13.3337% | 1,208 |
| Core capital (leverage) ratio | 13.4777% | 1,084 |
| Tier 1 risk-based capital ratio | 18.7154% | 1,567 |
| Total risk-based capital ratio | 19.9771% | 1,525 |
| Memoranda: | ||
| Average total assets | $123,474,400 | 3,736 |
| Average earning assets | $114,380,200 | 3,738 |
| Average equity | $16,934,600 | 3,403 |
| Average total loans | $95,116,200 | 3,385 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 818 |
| Cost of funding earning assets | 0.5130% | 3,111 |
| Net interest margin | 4.5491% | 674 |
| Noninterest income to average assets | 0.4474% | 3,186 |
| Noninterest expense to average assets | 3.5336% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1212% | 2,570 |
| Return on assets (ROA) | 1.1212% | 2,583 |
| Pretax return on assets | 1.1212% | 3,313 |
| Return on Equity (ROE) | 8.1175% | 3,504 |
| Retained earnings to average equity (ytd only) | -17.1996% | 5,434 |
| Net charge-offs to loans | 0.0326% | 2,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 44.9941% | 1,255 |
| Efficiency ratio | 75.9134% | 1,364 |
| Assets per employee ($millions) | 3.7782% | 4,206 |
| Cash dividends to net income (ytd only)* | 311.8829% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 471 |
| Loan loss allowance to noncurrent loans | 77.5723% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 3.0877% | 226 |
| Noncurrent loans to loans | 2.5995% | 492 |
| Net loans and leases to total assets | 77.5668% | 1,405 |
| Net loans and leases to deposits | 90.1522% | 1,876 |
| Net loans and leases to core deposits | 96.4249% | 2,074 |
| Total domestic deposits to total assets | 86.0398% | 2,170 |
| Equity capital to assets | 13.6740% | 1,065 |
| Core capital (leverage) ratio | 13.4565% | 1,116 |
| Tier 1 risk-based capital ratio | 18.8558% | 1,571 |
| Total risk-based capital ratio | 20.1172% | 1,541 |
| Memoranda: | ||
| Average total assets | $123,082,000 | 3,782 |
| Average earning assets | $113,837,500 | 3,784 |
| Average equity | $17,000,000 | 3,420 |
| Average total loans | $94,134,000 | 3,429 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 882 |
| Cost of funding earning assets | 0.5107% | 2,925 |
| Net interest margin | 4.4550% | 762 |
| Noninterest income to average assets | 0.5024% | 2,849 |
| Noninterest expense to average assets | 3.4618% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1550% | 2,372 |
| Return on assets (ROA) | 1.1550% | 2,373 |
| Pretax return on assets | 1.1550% | 3,112 |
| Return on Equity (ROE) | 8.3353% | 3,345 |
| Retained earnings to average equity (ytd only) | -29.0627% | 5,513 |
| Net charge-offs to loans | -0.0556% | 4,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9825% | 1,565 |
| Assets per employee ($millions) | 3.4614% | 4,648 |
| Cash dividends to net income (ytd only)* | 448.6713% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 421 |
| Loan loss allowance to noncurrent loans | 71.9375% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 3.2464% | 212 |
| Noncurrent loans to loans | 2.9602% | 387 |
| Net loans and leases to total assets | 75.0755% | 1,778 |
| Net loans and leases to deposits | 88.0578% | 2,109 |
| Net loans and leases to core deposits | 94.4682% | 2,186 |
| Total domestic deposits to total assets | 85.2571% | 2,578 |
| Equity capital to assets | 13.3983% | 1,138 |
| Core capital (leverage) ratio | 13.1567% | 1,168 |
| Tier 1 risk-based capital ratio | 19.0931% | 1,532 |
| Total risk-based capital ratio | 20.3564% | 1,491 |
| Memoranda: | ||
| Average total assets | $123,809,000 | 3,795 |
| Average earning assets | $114,343,670 | 3,804 |
| Average equity | $17,156,000 | 3,428 |
| Average total loans | $93,609,000 | 3,451 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 958 |
| Cost of funding earning assets | 0.5102% | 2,720 |
| Net interest margin | 4.3485% | 860 |
| Noninterest income to average assets | 0.3996% | 3,473 |
| Noninterest expense to average assets | 3.3914% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0133% | 2,803 |
| Return on assets (ROA) | 1.0133% | 2,826 |
| Pretax return on assets | 1.0133% | 3,488 |
| Return on Equity (ROE) | 7.1972% | 3,702 |
| Retained earnings to average equity (ytd only) | -50.2441% | 5,585 |
| Net charge-offs to loans | -0.0468% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9956% | 1,463 |
| Assets per employee ($millions) | 3.5880% | 4,555 |
| Cash dividends to net income (ytd only)* | 798.1073% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 446 |
| Loan loss allowance to noncurrent loans | 102.1852% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 3.1215% | 247 |
| Noncurrent loans to loans | 2.0618% | 759 |
| Net loans and leases to total assets | 74.8041% | 1,742 |
| Net loans and leases to deposits | 88.9000% | 1,823 |
| Net loans and leases to core deposits | 95.4111% | 2,022 |
| Total domestic deposits to total assets | 84.1440% | 3,269 |
| Equity capital to assets | 13.5345% | 1,036 |
| Core capital (leverage) ratio | 13.0573% | 1,165 |
| Tier 1 risk-based capital ratio | 19.3814% | 1,458 |
| Total risk-based capital ratio | 20.6444% | 1,421 |
| Memoranda: | ||
| Average total assets | $125,138,500 | 3,811 |
| Average earning assets | $115,258,000 | 3,826 |
| Average equity | $17,618,000 | 3,406 |
| Average total loans | $93,947,000 | 3,466 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,212 |
| Cost of funding earning assets | 0.5201% | 2,177 |
| Net interest margin | 4.1738% | 1,244 |
| Noninterest income to average assets | 0.9313% | 1,182 |
| Noninterest expense to average assets | 3.3298% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4294% | 950 |
| Return on assets (ROA) | 1.4294% | 965 |
| Pretax return on assets | 1.4294% | 1,887 |
| Return on Equity (ROE) | 10.7273% | 1,574 |
| Retained earnings to average equity (ytd only) | 10.4436% | 292 |
| Net charge-offs to loans | -0.0307% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9651% | 2,556 |
| Assets per employee ($millions) | 3.7731% | 4,322 |
| Cash dividends to net income (ytd only)* | 2.6441% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 476 |
| Loan loss allowance to noncurrent loans | 77.7468% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 3.6068% | 183 |
| Noncurrent loans to loans | 2.6533% | 482 |
| Net loans and leases to total assets | 72.2781% | 2,184 |
| Net loans and leases to deposits | 91.1631% | 1,631 |
| Net loans and leases to core deposits | 97.4943% | 1,900 |
| Total domestic deposits to total assets | 79.2844% | 4,484 |
| Equity capital to assets | 14.5964% | 757 |
| Core capital (leverage) ratio | 14.1387% | 807 |
| Tier 1 risk-based capital ratio | 21.1405% | 1,129 |
| Total risk-based capital ratio | 22.4027% | 1,098 |
| Memoranda: | ||
| Average total assets | $132,291,400 | 3,712 |
| Average earning assets | $121,327,000 | 3,719 |
| Average equity | $17,628,000 | 3,413 |
| Average total loans | $94,500,400 | 3,440 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 1,368 |
| Cost of funding earning assets | 0.5129% | 2,163 |
| Net interest margin | 4.0870% | 1,424 |
| Noninterest income to average assets | 0.7242% | 1,884 |
| Noninterest expense to average assets | 3.4189% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0513% | 2,323 |
| Return on assets (ROA) | 1.0513% | 2,364 |
| Pretax return on assets | 1.0513% | 3,485 |
| Return on Equity (ROE) | 8.0749% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.6907% | 1,350 |
| Net charge-offs to loans | -0.0056% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4824% | 1,522 |
| Assets per employee ($millions) | 3.9228% | 4,116 |
| Cash dividends to net income (ytd only)* | 4.7577% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 580 |
| Loan loss allowance to noncurrent loans | 62.5771% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 4.5473% | 130 |
| Noncurrent loans to loans | 3.1793% | 373 |
| Net loans and leases to total assets | 71.2135% | 2,375 |
| Net loans and leases to deposits | 91.0469% | 1,683 |
| Net loans and leases to core deposits | 96.6138% | 2,013 |
| Total domestic deposits to total assets | 78.2163% | 4,691 |
| Equity capital to assets | 13.4088% | 1,198 |
| Core capital (leverage) ratio | 13.5673% | 1,002 |
| Tier 1 risk-based capital ratio | 19.6389% | 1,448 |
| Total risk-based capital ratio | 20.8996% | 1,411 |
| Memoranda: | ||
| Average total assets | $133,293,000 | 3,732 |
| Average earning assets | $122,172,500 | 3,749 |
| Average equity | $17,353,750 | 3,483 |
| Average total loans | $94,456,750 | 3,472 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 1,395 |
| Cost of funding earning assets | 0.5082% | 2,105 |
| Net interest margin | 4.0409% | 1,486 |
| Noninterest income to average assets | 0.8464% | 1,422 |
| Noninterest expense to average assets | 3.3977% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1481% | 1,786 |
| Return on assets (ROA) | 1.1481% | 1,835 |
| Pretax return on assets | 1.1481% | 2,987 |
| Return on Equity (ROE) | 8.9073% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.3251% | 1,048 |
| Net charge-offs to loans | 0.0021% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 765.0000% | 99 |
| Efficiency ratio | 74.7441% | 1,891 |
| Assets per employee ($millions) | 3.8382% | 4,215 |
| Cash dividends to net income (ytd only)* | 6.5359% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 548 |
| Loan loss allowance to noncurrent loans | 117.8922% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 3.6138% | 210 |
| Noncurrent loans to loans | 1.7413% | 1,039 |
| Net loans and leases to total assets | 70.3448% | 2,474 |
| Net loans and leases to deposits | 88.2854% | 1,953 |
| Net loans and leases to core deposits | 93.9130% | 2,160 |
| Total domestic deposits to total assets | 79.6789% | 4,487 |
| Equity capital to assets | 13.4851% | 1,153 |
| Core capital (leverage) ratio | 13.1043% | 1,133 |
| Tier 1 risk-based capital ratio | 19.9429% | 1,381 |
| Total risk-based capital ratio | 21.2042% | 1,340 |
| Memoranda: | ||
| Average total assets | $133,265,670 | 3,764 |
| Average earning assets | $122,003,330 | 3,766 |
| Average equity | $17,177,000 | 3,512 |
| Average total loans | $93,639,330 | 3,504 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 1,750 |
| Cost of funding earning assets | 0.5130% | 1,981 |
| Net interest margin | 3.8572% | 1,931 |
| Noninterest income to average assets | 0.5318% | 2,759 |
| Noninterest expense to average assets | 3.4193% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6417% | 3,967 |
| Return on assets (ROA) | 0.6417% | 4,005 |
| Pretax return on assets | 0.6417% | 4,623 |
| Return on Equity (ROE) | 5.0924% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.9136% | 3,490 |
| Net charge-offs to loans | 0.1068% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.6400% | 2,043 |
| Efficiency ratio | 84.1990% | 953 |
| Assets per employee ($millions) | 3.9789% | 4,047 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 614 |
| Loan loss allowance to noncurrent loans | 93.0882% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 3.9074% | 196 |
| Noncurrent loans to loans | 2.1984% | 773 |
| Net loans and leases to total assets | 67.1903% | 2,788 |
| Net loans and leases to deposits | 85.0737% | 2,154 |
| Net loans and leases to core deposits | 90.3387% | 2,324 |
| Total domestic deposits to total assets | 78.9789% | 4,829 |
| Equity capital to assets | 12.6025% | 1,460 |
| Core capital (leverage) ratio | 12.6612% | 1,262 |
| Tier 1 risk-based capital ratio | 19.4468% | 1,504 |
| Total risk-based capital ratio | 20.7083% | 1,471 |
| Memoranda: | ||
| Average total assets | $134,648,500 | 3,773 |
| Average earning assets | $123,199,500 | 3,790 |
| Average equity | $16,966,500 | 3,553 |
| Average total loans | $93,597,000 | 3,523 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,411 |
| Cost of funding earning assets | 0.5045% | 2,054 |
| Net interest margin | 4.0420% | 1,520 |
| Noninterest income to average assets | 0.3134% | 4,498 |
| Noninterest expense to average assets | 3.4547% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5166% | 4,563 |
| Return on assets (ROA) | 0.5166% | 4,647 |
| Pretax return on assets | 0.5166% | 4,991 |
| Return on Equity (ROE) | 4.1521% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.1521% | 2,948 |
| Net charge-offs to loans | -0.1941% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9926% | 756 |
| Assets per employee ($millions) | 3.8290% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 609 |
| Loan loss allowance to noncurrent loans | 101.2099% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 4.0279% | 188 |
| Noncurrent loans to loans | 2.0138% | 890 |
| Net loans and leases to total assets | 69.0032% | 2,621 |
| Net loans and leases to deposits | 87.4260% | 1,999 |
| Net loans and leases to core deposits | 93.4043% | 2,170 |
| Total domestic deposits to total assets | 78.9276% | 4,814 |
| Equity capital to assets | 12.5987% | 1,462 |
| Core capital (leverage) ratio | 12.5918% | 1,304 |
| Tier 1 risk-based capital ratio | 18.8100% | 1,653 |
| Total risk-based capital ratio | 20.0711% | 1,613 |
| Memoranda: | ||
| Average total assets | $133,383,400 | 3,779 |
| Average earning assets | $120,706,800 | 3,816 |
| Average equity | $16,594,000 | 3,611 |
| Average total loans | $95,297,000 | 3,474 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 1,263 |
| Cost of funding earning assets | 0.4988% | 2,113 |
| Net interest margin | 4.1157% | 1,356 |
| Noninterest income to average assets | 0.4674% | 3,443 |
| Noninterest expense to average assets | 3.4677% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7156% | 3,761 |
| Return on assets (ROA) | 0.7156% | 3,905 |
| Pretax return on assets | 0.7156% | 4,568 |
| Return on Equity (ROE) | 5.7701% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.7701% | 2,316 |
| Net charge-offs to loans | -0.2163% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8947% | 1,084 |
| Assets per employee ($millions) | 3.6741% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9823% | 750 |
| Loan loss allowance to noncurrent loans | 75.6897% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 5.0276% | 144 |
| Noncurrent loans to loans | 2.6190% | 644 |
| Net loans and leases to total assets | 70.7671% | 2,379 |
| Net loans and leases to deposits | 90.1129% | 1,739 |
| Net loans and leases to core deposits | 96.3529% | 1,958 |
| Total domestic deposits to total assets | 78.5316% | 4,818 |
| Equity capital to assets | 12.7830% | 1,602 |
| Core capital (leverage) ratio | 12.4735% | 1,405 |
| Tier 1 risk-based capital ratio | 18.4360% | 1,805 |
| Total risk-based capital ratio | 19.6964% | 1,762 |
| Memoranda: | ||
| Average total assets | $133,225,750 | 3,802 |
| Average earning assets | $120,283,250 | 3,845 |
| Average equity | $16,521,500 | 3,653 |
| Average total loans | $95,521,750 | 3,479 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 1,492 |
| Cost of funding earning assets | 0.4944% | 2,151 |
| Net interest margin | 4.0114% | 1,608 |
| Noninterest income to average assets | 0.4298% | 3,663 |
| Noninterest expense to average assets | 3.4266% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6125% | 4,215 |
| Return on assets (ROA) | 0.6125% | 4,337 |
| Pretax return on assets | 0.6125% | 4,849 |
| Return on Equity (ROE) | 4.9900% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.9900% | 2,748 |
| Net charge-offs to loans | 0.0544% | 2,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.7308% | 1,972 |
| Efficiency ratio | 84.8350% | 980 |
| Assets per employee ($millions) | 3.8487% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 1,065 |
| Loan loss allowance to noncurrent loans | 64.4093% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 5.5106% | 118 |
| Noncurrent loans to loans | 2.8091% | 559 |
| Net loans and leases to total assets | 68.9720% | 2,638 |
| Net loans and leases to deposits | 87.1876% | 2,111 |
| Net loans and leases to core deposits | 92.1112% | 2,340 |
| Total domestic deposits to total assets | 79.1075% | 4,755 |
| Equity capital to assets | 12.3255% | 1,887 |
| Core capital (leverage) ratio | 12.3720% | 1,421 |
| Tier 1 risk-based capital ratio | 17.0606% | 2,194 |
| Total risk-based capital ratio | 18.3173% | 2,149 |
| Memoranda: | ||
| Average total assets | $133,544,670 | 3,817 |
| Average earning assets | $120,157,000 | 3,875 |
| Average equity | $16,392,670 | 3,682 |
| Average total loans | $95,530,330 | 3,493 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 1,449 |
| Cost of funding earning assets | 0.4882% | 2,195 |
| Net interest margin | 4.0328% | 1,524 |
| Noninterest income to average assets | 0.4031% | 3,805 |
| Noninterest expense to average assets | 3.4716% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5595% | 4,370 |
| Return on assets (ROA) | 0.5595% | 4,475 |
| Pretax return on assets | 0.5595% | 4,926 |
| Return on Equity (ROE) | 4.5679% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.5679% | 3,198 |
| Net charge-offs to loans | -0.1500% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1194% | 966 |
| Assets per employee ($millions) | 3.7468% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 1,079 |
| Loan loss allowance to noncurrent loans | 43.7700% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 7.0193% | 88 |
| Noncurrent loans to loans | 4.1997% | 279 |
| Net loans and leases to total assets | 70.2324% | 2,303 |
| Net loans and leases to deposits | 88.5728% | 1,756 |
| Net loans and leases to core deposits | 93.5514% | 2,043 |
| Total domestic deposits to total assets | 79.2935% | 4,901 |
| Equity capital to assets | 12.1437% | 1,926 |
| Core capital (leverage) ratio | 12.3943% | 1,380 |
| Tier 1 risk-based capital ratio | 16.9722% | 2,300 |
| Total risk-based capital ratio | 18.2300% | 2,248 |
| Memoranda: | ||
| Average total assets | $132,965,000 | 3,862 |
| Average earning assets | $119,618,000 | 3,915 |
| Average equity | $16,287,500 | 3,698 |
| Average total loans | $95,985,500 | 3,495 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 1,472 |
| Cost of funding earning assets | 0.4801% | 2,352 |
| Net interest margin | 4.0637% | 1,508 |
| Noninterest income to average assets | 0.3565% | 4,354 |
| Noninterest expense to average assets | 3.7004% | 977 |
| Loan and lease loss provision to assets | -0.3041% | 6,064 |
| Net operating income to assets | 0.5891% | 4,332 |
| Return on assets (ROA) | 0.5891% | 4,427 |
| Pretax return on assets | 0.5891% | 4,873 |
| Return on Equity (ROE) | 4.8759% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.8759% | 2,512 |
| Net charge-offs to loans | 0.0340% | 3,526 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | 11.7188% | 2,538 |
| Efficiency ratio | 92.8476% | 537 |
| Assets per employee ($millions) | 3.5418% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 1,100 |
| Loan loss allowance to noncurrent loans | 48.4527% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 6.9404% | 104 |
| Noncurrent loans to loans | 3.7574% | 346 |
| Net loans and leases to total assets | 71.5220% | 2,132 |
| Net loans and leases to deposits | 90.5880% | 1,544 |
| Net loans and leases to core deposits | 95.8540% | 1,866 |
| Total domestic deposits to total assets | 78.9530% | 4,990 |
| Equity capital to assets | 12.3584% | 1,697 |
| Core capital (leverage) ratio | 12.3221% | 1,436 |
| Tier 1 risk-based capital ratio | 16.7414% | 2,382 |
| Total risk-based capital ratio | 17.9985% | 2,327 |
| Memoranda: | ||
| Average total assets | $131,553,600 | 3,859 |
| Average earning assets | $117,478,200 | 3,935 |
| Average equity | $15,894,600 | 3,691 |
| Average total loans | $94,000,000 | 3,504 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 1,471 |
| Cost of funding earning assets | 0.4768% | 2,435 |
| Net interest margin | 4.0684% | 1,500 |
| Noninterest income to average assets | 0.4242% | 3,907 |
| Noninterest expense to average assets | 3.7372% | 921 |
| Loan and lease loss provision to assets | -0.4050% | 6,186 |
| Net operating income to assets | 0.7209% | 3,813 |
| Return on assets (ROA) | 0.7209% | 3,916 |
| Pretax return on assets | 0.7209% | 4,608 |
| Return on Equity (ROE) | 6.0008% | 4,153 |
| Retained earnings to average equity (ytd only) | 6.0008% | 2,248 |
| Net charge-offs to loans | -0.1182% | 5,846 |
| Credit loss provision to net charge-offs | 481.9277% | 673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2058% | 560 |
| Assets per employee ($millions) | 3.5381% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 911 |
| Loan loss allowance to noncurrent loans | 48.4318% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 7.3035% | 102 |
| Noncurrent loans to loans | 4.1267% | 301 |
| Net loans and leases to total assets | 69.4072% | 2,475 |
| Net loans and leases to deposits | 87.9252% | 1,913 |
| Net loans and leases to core deposits | 92.2672% | 2,235 |
| Total domestic deposits to total assets | 78.9390% | 4,992 |
| Equity capital to assets | 12.3237% | 1,860 |
| Core capital (leverage) ratio | 12.3391% | 1,495 |
| Tier 1 risk-based capital ratio | 17.2155% | 2,289 |
| Total risk-based capital ratio | 18.4747% | 2,235 |
| Memoranda: | ||
| Average total assets | $131,680,750 | 3,900 |
| Average earning assets | $117,455,250 | 3,972 |
| Average equity | $15,819,750 | 3,740 |
| Average total loans | $93,634,000 | 3,541 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,288 |
| Cost of funding earning assets | 0.4719% | 2,498 |
| Net interest margin | 4.1261% | 1,289 |
| Noninterest income to average assets | 0.4169% | 3,949 |
| Noninterest expense to average assets | 3.7669% | 911 |
| Loan and lease loss provision to assets | -0.6063% | 6,289 |
| Net operating income to assets | 0.9277% | 2,743 |
| Return on assets (ROA) | 0.9277% | 2,864 |
| Pretax return on assets | 0.9277% | 3,854 |
| Return on Equity (ROE) | 7.7886% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.7886% | 1,350 |
| Net charge-offs to loans | -0.1533% | 5,940 |
| Credit loss provision to net charge-offs | 555.5556% | 583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1394% | 630 |
| Assets per employee ($millions) | 3.3350% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9584% | 1,053 |
| Loan loss allowance to noncurrent loans | 39.2834% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 8.0606% | 90 |
| Noncurrent loans to loans | 4.9852% | 228 |
| Net loans and leases to total assets | 70.8999% | 2,179 |
| Net loans and leases to deposits | 89.9431% | 1,605 |
| Net loans and leases to core deposits | 94.3975% | 1,920 |
| Total domestic deposits to total assets | 78.8275% | 5,133 |
| Equity capital to assets | 12.3261% | 1,785 |
| Core capital (leverage) ratio | 12.1958% | 1,540 |
| Tier 1 risk-based capital ratio | 16.1359% | 2,784 |
| Total risk-based capital ratio | 17.3940% | 2,733 |
| Memoranda: | ||
| Average total assets | $131,937,670 | 3,926 |
| Average earning assets | $117,400,000 | 4,003 |
| Average equity | $15,715,330 | 3,775 |
| Average total loans | $93,940,670 | 3,554 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 1,308 |
| Cost of funding earning assets | 0.4807% | 2,446 |
| Net interest margin | 4.0791% | 1,334 |
| Noninterest income to average assets | 0.4636% | 3,547 |
| Noninterest expense to average assets | 3.8683% | 807 |
| Loan and lease loss provision to assets | -0.6021% | 6,359 |
| Net operating income to assets | 0.8248% | 3,136 |
| Return on assets (ROA) | 0.8248% | 3,263 |
| Pretax return on assets | 0.8248% | 4,149 |
| Return on Equity (ROE) | 7.0451% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.0451% | 1,995 |
| Net charge-offs to loans | -0.2173% | 6,071 |
| Credit loss provision to net charge-offs | 392.1569% | 674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5548% | 567 |
| Assets per employee ($millions) | 3.3510% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 858 |
| Loan loss allowance to noncurrent loans | 45.7220% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 7.7947% | 106 |
| Noncurrent loans to loans | 4.6982% | 311 |
| Net loans and leases to total assets | 68.6489% | 2,340 |
| Net loans and leases to deposits | 86.0752% | 1,821 |
| Net loans and leases to core deposits | 90.1509% | 2,114 |
| Total domestic deposits to total assets | 79.7546% | 5,108 |
| Equity capital to assets | 11.7084% | 2,282 |
| Core capital (leverage) ratio | 11.9598% | 1,663 |
| Tier 1 risk-based capital ratio | 16.8234% | 2,545 |
| Total risk-based capital ratio | 18.0550% | 2,515 |
| Memoranda: | ||
| Average total assets | $132,874,000 | 3,939 |
| Average earning assets | $118,163,000 | 4,012 |
| Average equity | $15,557,000 | 3,821 |
| Average total loans | $93,882,000 | 3,565 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7156% | 1,267 |
| Cost of funding earning assets | 0.5444% | 2,251 |
| Net interest margin | 4.1711% | 1,386 |
| Noninterest income to average assets | 0.5860% | 2,947 |
| Noninterest expense to average assets | 3.8210% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4344% | 5,092 |
| Return on assets (ROA) | 0.4344% | 5,183 |
| Pretax return on assets | 0.4344% | 5,414 |
| Return on Equity (ROE) | 3.6342% | 5,255 |
| Retained earnings to average equity (ytd only) | -2.3597% | 6,047 |
| Net charge-offs to loans | 0.6050% | 656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.0052% | 4,515 |
| Efficiency ratio | 89.7909% | 858 |
| Assets per employee ($millions) | 3.2927% | 5,271 |
| Cash dividends to net income (ytd only)* | 164.9306% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3152% | 710 |
| Loan loss allowance to noncurrent loans | 45.7420% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 8.4133% | 110 |
| Noncurrent loans to loans | 5.0615% | 285 |
| Net loans and leases to total assets | 69.5151% | 2,307 |
| Net loans and leases to deposits | 87.3261% | 1,810 |
| Net loans and leases to core deposits | 91.3041% | 2,157 |
| Total domestic deposits to total assets | 79.6041% | 5,123 |
| Equity capital to assets | 11.7077% | 2,247 |
| Core capital (leverage) ratio | 11.6595% | 1,857 |
| Tier 1 risk-based capital ratio | 17.9142% | 2,167 |
| Total risk-based capital ratio | 19.1805% | 2,129 |
| Memoranda: | ||
| Average total assets | $132,583,600 | 3,930 |
| Average earning assets | $116,635,000 | 4,033 |
| Average equity | $15,849,600 | 3,694 |
| Average total loans | $94,712,600 | 3,535 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 1,292 |
| Cost of funding earning assets | 0.5546% | 2,245 |
| Net interest margin | 4.1506% | 1,431 |
| Noninterest income to average assets | 0.6235% | 2,724 |
| Noninterest expense to average assets | 3.8914% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3765% | 5,337 |
| Return on assets (ROA) | 0.3765% | 5,415 |
| Pretax return on assets | 0.3765% | 5,635 |
| Return on Equity (ROE) | 3.1334% | 5,492 |
| Retained earnings to average equity (ytd only) | 3.1334% | 4,393 |
| Net charge-offs to loans | 0.6178% | 586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.8523% | 4,299 |
| Efficiency ratio | 91.1785% | 759 |
| Assets per employee ($millions) | 3.2772% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4544% | 681 |
| Loan loss allowance to noncurrent loans | 45.6854% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 9.4861% | 101 |
| Noncurrent loans to loans | 5.3725% | 308 |
| Net loans and leases to total assets | 69.8221% | 2,223 |
| Net loans and leases to deposits | 88.3329% | 1,628 |
| Net loans and leases to core deposits | 92.3983% | 2,001 |
| Total domestic deposits to total assets | 79.0443% | 5,318 |
| Equity capital to assets | 12.3347% | 1,804 |
| Core capital (leverage) ratio | 12.1895% | 1,582 |
| Tier 1 risk-based capital ratio | 18.9822% | 1,909 |
| Total risk-based capital ratio | 20.2501% | 1,873 |
| Memoranda: | ||
| Average total assets | $132,802,500 | 3,958 |
| Average earning assets | $116,607,500 | 4,072 |
| Average equity | $15,957,000 | 3,693 |
| Average total loans | $94,959,000 | 3,559 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,364 |
| Cost of funding earning assets | 0.5690% | 2,172 |
| Net interest margin | 4.0943% | 1,535 |
| Noninterest income to average assets | 0.7318% | 2,135 |
| Noninterest expense to average assets | 3.9858% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3389% | 5,435 |
| Return on assets (ROA) | 0.3389% | 5,508 |
| Pretax return on assets | 0.3389% | 5,701 |
| Return on Equity (ROE) | 2.8452% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.8452% | 4,396 |
| Net charge-offs to loans | 0.9294% | 387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.5102% | 4,031 |
| Efficiency ratio | 92.1637% | 756 |
| Assets per employee ($millions) | 3.1850% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4202% | 794 |
| Loan loss allowance to noncurrent loans | 49.6439% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 9.3391% | 108 |
| Noncurrent loans to loans | 4.8752% | 420 |
| Net loans and leases to total assets | 69.3215% | 2,184 |
| Net loans and leases to deposits | 87.1427% | 1,693 |
| Net loans and leases to core deposits | 90.9057% | 2,039 |
| Total domestic deposits to total assets | 79.5494% | 5,340 |
| Equity capital to assets | 11.9757% | 2,006 |
| Core capital (leverage) ratio | 11.9479% | 1,690 |
| Tier 1 risk-based capital ratio | 18.4899% | 2,069 |
| Total risk-based capital ratio | 19.7572% | 2,018 |
| Memoranda: | ||
| Average total assets | $133,374,670 | 3,970 |
| Average earning assets | $117,040,330 | 4,080 |
| Average equity | $15,886,330 | 3,710 |
| Average total loans | $95,335,330 | 3,560 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,372 |
| Cost of funding earning assets | 0.5787% | 2,163 |
| Net interest margin | 4.0715% | 1,539 |
| Noninterest income to average assets | 0.5707% | 2,913 |
| Noninterest expense to average assets | 3.9917% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1502% | 5,926 |
| Return on assets (ROA) | 0.1502% | 5,960 |
| Pretax return on assets | 0.1502% | 6,006 |
| Return on Equity (ROE) | 1.2643% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.2643% | 5,110 |
| Net charge-offs to loans | 1.5332% | 208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1366% | 3,411 |
| Efficiency ratio | 96.3742% | 618 |
| Assets per employee ($millions) | 3.3370% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4925% | 813 |
| Loan loss allowance to noncurrent loans | 45.4928% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 9.7063% | 119 |
| Noncurrent loans to loans | 5.4789% | 363 |
| Net loans and leases to total assets | 69.6638% | 1,952 |
| Net loans and leases to deposits | 87.4885% | 1,420 |
| Net loans and leases to core deposits | 91.2586% | 1,797 |
| Total domestic deposits to total assets | 79.6263% | 5,562 |
| Equity capital to assets | 11.8699% | 1,962 |
| Core capital (leverage) ratio | 11.9457% | 1,682 |
| Tier 1 risk-based capital ratio | 18.2553% | 2,187 |
| Total risk-based capital ratio | 19.5239% | 2,144 |
| Memoranda: | ||
| Average total assets | $133,176,500 | 4,006 |
| Average earning assets | $116,812,000 | 4,121 |
| Average equity | $15,819,500 | 3,729 |
| Average total loans | $95,487,000 | 3,570 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 1,415 |
| Cost of funding earning assets | 0.8354% | 1,020 |
| Net interest margin | 3.9232% | 2,208 |
| Noninterest income to average assets | 0.8542% | 1,849 |
| Noninterest expense to average assets | 4.3128% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0022% | 6,210 |
| Return on assets (ROA) | 0.0022% | 6,249 |
| Pretax return on assets | 0.0022% | 6,230 |
| Return on Equity (ROE) | 0.0189% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.0189% | 5,845 |
| Net charge-offs to loans | 0.1866% | 2,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0160% | 5,089 |
| Efficiency ratio | 99.9500% | 477 |
| Assets per employee ($millions) | 3.2408% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8690% | 546 |
| Loan loss allowance to noncurrent loans | 44.2919% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 10.2317% | 121 |
| Noncurrent loans to loans | 6.4774% | 285 |
| Net loans and leases to total assets | 69.8913% | 2,029 |
| Net loans and leases to deposits | 87.8099% | 1,486 |
| Net loans and leases to core deposits | 91.6037% | 1,836 |
| Total domestic deposits to total assets | 79.5939% | 5,535 |
| Equity capital to assets | 11.8874% | 1,877 |
| Core capital (leverage) ratio | 11.6984% | 1,828 |
| Tier 1 risk-based capital ratio | 17.4069% | 2,452 |
| Total risk-based capital ratio | 18.6786% | 2,416 |
| Memoranda: | ||
| Average total assets | $138,957,400 | 3,898 |
| Average earning assets | $122,577,000 | 4,001 |
| Average equity | $15,907,200 | 3,716 |
| Average total loans | $100,226,600 | 3,438 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9302% | 1,068 |
| Cost of funding earning assets | 0.9048% | 796 |
| Net interest margin | 4.0254% | 1,858 |
| Noninterest income to average assets | 0.9823% | 1,505 |
| Noninterest expense to average assets | 4.2568% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2809% | 5,674 |
| Return on assets (ROA) | 0.2809% | 5,785 |
| Pretax return on assets | 0.2809% | 5,913 |
| Return on Equity (ROE) | 2.4766% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.4766% | 4,840 |
| Net charge-offs to loans | 0.1486% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.6195% | 3,964 |
| Efficiency ratio | 93.8088% | 750 |
| Assets per employee ($millions) | 3.2727% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 633 |
| Loan loss allowance to noncurrent loans | 44.9497% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 10.3700% | 126 |
| Noncurrent loans to loans | 6.3858% | 368 |
| Net loans and leases to total assets | 69.3490% | 2,074 |
| Net loans and leases to deposits | 86.6518% | 1,535 |
| Net loans and leases to core deposits | 90.2270% | 1,946 |
| Total domestic deposits to total assets | 80.0319% | 5,501 |
| Equity capital to assets | 11.7043% | 2,125 |
| Core capital (leverage) ratio | 11.6405% | 1,920 |
| Tier 1 risk-based capital ratio | 17.8599% | 2,373 |
| Total risk-based capital ratio | 19.1332% | 2,329 |
| Memoranda: | ||
| Average total assets | $140,478,750 | 3,908 |
| Average earning assets | $124,075,500 | 4,000 |
| Average equity | $15,935,250 | 3,753 |
| Average total loans | $101,381,000 | 3,444 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 1,324 |
| Cost of funding earning assets | 0.9699% | 644 |
| Net interest margin | 3.8315% | 2,441 |
| Noninterest income to average assets | 1.1139% | 1,226 |
| Noninterest expense to average assets | 4.2986% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2050% | 5,875 |
| Return on assets (ROA) | 0.2050% | 6,007 |
| Pretax return on assets | 0.2050% | 6,077 |
| Return on Equity (ROE) | 1.8257% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.8257% | 5,102 |
| Net charge-offs to loans | 0.2635% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.0741% | 4,174 |
| Efficiency ratio | 95.4488% | 687 |
| Assets per employee ($millions) | 2.9045% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7331% | 761 |
| Loan loss allowance to noncurrent loans | 41.0727% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 9.6646% | 157 |
| Noncurrent loans to loans | 6.6544% | 385 |
| Net loans and leases to total assets | 71.3462% | 1,668 |
| Net loans and leases to deposits | 88.8790% | 1,243 |
| Net loans and leases to core deposits | 91.7788% | 1,726 |
| Total domestic deposits to total assets | 80.2734% | 5,542 |
| Equity capital to assets | 11.4313% | 2,352 |
| Core capital (leverage) ratio | 11.4056% | 2,019 |
| Tier 1 risk-based capital ratio | 17.2821% | 2,599 |
| Total risk-based capital ratio | 18.5541% | 2,562 |
| Memoranda: | ||
| Average total assets | $141,487,000 | 3,920 |
| Average earning assets | $125,171,330 | 4,009 |
| Average equity | $15,884,330 | 3,785 |
| Average total loans | $102,461,330 | 3,427 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 1,413 |
| Cost of funding earning assets | 1.0070% | 596 |
| Net interest margin | 3.7389% | 2,703 |
| Noninterest income to average assets | 1.2658% | 955 |
| Noninterest expense to average assets | 4.1958% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3733% | 5,244 |
| Return on assets (ROA) | 0.3733% | 5,379 |
| Pretax return on assets | 0.3733% | 5,637 |
| Return on Equity (ROE) | 3.3548% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.3548% | 4,237 |
| Net charge-offs to loans | 0.4914% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.0556% | 3,486 |
| Efficiency ratio | 91.8305% | 999 |
| Assets per employee ($millions) | 3.0111% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7398% | 873 |
| Loan loss allowance to noncurrent loans | 31.5269% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 11.5418% | 138 |
| Noncurrent loans to loans | 8.6904% | 285 |
| Net loans and leases to total assets | 70.3356% | 1,611 |
| Net loans and leases to deposits | 87.3586% | 1,203 |
| Net loans and leases to core deposits | 91.5200% | 1,555 |
| Total domestic deposits to total assets | 80.5137% | 5,627 |
| Equity capital to assets | 11.2528% | 2,673 |
| Core capital (leverage) ratio | 11.1282% | 2,153 |
| Tier 1 risk-based capital ratio | 17.1487% | 2,691 |
| Total risk-based capital ratio | 18.4205% | 2,656 |
| Memoranda: | ||
| Average total assets | $142,522,500 | 3,937 |
| Average earning assets | $125,918,500 | 4,022 |
| Average equity | $15,858,000 | 3,840 |
| Average total loans | $102,560,500 | 3,450 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 1,155 |
| Cost of funding earning assets | 1.1757% | 646 |
| Net interest margin | 4.0039% | 2,376 |
| Noninterest income to average assets | 1.1941% | 1,098 |
| Noninterest expense to average assets | 4.6899% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0137% | 6,145 |
| Return on assets (ROA) | 0.0137% | 6,283 |
| Pretax return on assets | 0.0137% | 6,266 |
| Return on Equity (ROE) | 0.1259% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.1259% | 5,776 |
| Net charge-offs to loans | 0.1452% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.1299% | 5,430 |
| Efficiency ratio | 99.7077% | 574 |
| Assets per employee ($millions) | 2.8705% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 785 |
| Loan loss allowance to noncurrent loans | 29.0329% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 12.0641% | 139 |
| Noncurrent loans to loans | 9.8192% | 244 |
| Net loans and leases to total assets | 69.5684% | 1,929 |
| Net loans and leases to deposits | 85.9928% | 1,516 |
| Net loans and leases to core deposits | 90.0002% | 1,832 |
| Total domestic deposits to total assets | 80.9002% | 5,431 |
| Equity capital to assets | 11.0023% | 2,952 |
| Core capital (leverage) ratio | 10.9131% | 2,327 |
| Tier 1 risk-based capital ratio | 16.4634% | 2,914 |
| Total risk-based capital ratio | 17.7155% | 2,880 |
| Memoranda: | ||
| Average total assets | $145,460,400 | 3,853 |
| Average earning assets | $127,500,400 | 3,958 |
| Average equity | $15,889,800 | 3,790 |
| Average total loans | $106,027,400 | 3,375 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 1,179 |
| Cost of funding earning assets | 1.2138% | 649 |
| Net interest margin | 3.9915% | 2,537 |
| Noninterest income to average assets | 1.1136% | 1,214 |
| Noninterest expense to average assets | 4.4747% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1297% | 6,073 |
| Return on assets (ROA) | 0.1297% | 6,219 |
| Pretax return on assets | 0.1297% | 6,230 |
| Return on Equity (ROE) | 1.1897% | 6,219 |
| Retained earnings to average equity (ytd only) | 1.1897% | 5,702 |
| Net charge-offs to loans | 0.1785% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.9930% | 4,825 |
| Efficiency ratio | 97.1825% | 628 |
| Assets per employee ($millions) | 3.1135% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7627% | 919 |
| Loan loss allowance to noncurrent loans | 32.1351% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 10.9654% | 193 |
| Noncurrent loans to loans | 8.5971% | 348 |
| Net loans and leases to total assets | 67.8498% | 2,320 |
| Net loans and leases to deposits | 82.7032% | 2,026 |
| Net loans and leases to core deposits | 86.1582% | 2,442 |
| Total domestic deposits to total assets | 82.0401% | 5,008 |
| Equity capital to assets | 10.4305% | 3,920 |
| Core capital (leverage) ratio | 10.9301% | 2,461 |
| Tier 1 risk-based capital ratio | 16.4659% | 3,023 |
| Total risk-based capital ratio | 17.7387% | 2,974 |
| Memoranda: | ||
| Average total assets | $145,944,250 | 3,879 |
| Average earning assets | $127,635,500 | 3,986 |
| Average equity | $15,914,500 | 3,830 |
| Average total loans | $106,839,750 | 3,397 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 808 |
| Cost of funding earning assets | 1.2783% | 578 |
| Net interest margin | 4.1656% | 1,847 |
| Noninterest income to average assets | 1.3497% | 788 |
| Noninterest expense to average assets | 4.6501% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3270% | 5,512 |
| Return on assets (ROA) | 0.3270% | 5,725 |
| Pretax return on assets | 0.3270% | 5,905 |
| Return on Equity (ROE) | 2.9532% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.9532% | 4,668 |
| Net charge-offs to loans | 0.4730% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.9289% | 4,570 |
| Efficiency ratio | 93.4302% | 835 |
| Assets per employee ($millions) | 2.9911% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6563% | 1,092 |
| Loan loss allowance to noncurrent loans | 47.5559% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 9.6640% | 286 |
| Noncurrent loans to loans | 5.5857% | 832 |
| Net loans and leases to total assets | 72.2582% | 1,520 |
| Net loans and leases to deposits | 89.5541% | 1,193 |
| Net loans and leases to core deposits | 93.6495% | 1,640 |
| Total domestic deposits to total assets | 80.6866% | 5,562 |
| Equity capital to assets | 11.1483% | 2,961 |
| Core capital (leverage) ratio | 11.1407% | 2,170 |
| Tier 1 risk-based capital ratio | 16.3007% | 3,002 |
| Total risk-based capital ratio | 17.5717% | 2,975 |
| Memoranda: | ||
| Average total assets | $143,738,330 | 3,939 |
| Average earning assets | $125,167,000 | 4,046 |
| Average equity | $15,915,000 | 3,816 |
| Average total loans | $106,968,330 | 3,403 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3544% | 999 |
| Cost of funding earning assets | 1.3019% | 627 |
| Net interest margin | 4.0525% | 2,292 |
| Noninterest income to average assets | 1.5547% | 599 |
| Noninterest expense to average assets | 4.5418% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5451% | 4,622 |
| Return on assets (ROA) | 0.5451% | 4,834 |
| Pretax return on assets | 0.5451% | 5,305 |
| Return on Equity (ROE) | 4.9403% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.9403% | 3,591 |
| Net charge-offs to loans | 0.6943% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.0538% | 3,802 |
| Efficiency ratio | 89.2838% | 1,152 |
| Assets per employee ($millions) | 2.9820% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7280% | 1,082 |
| Loan loss allowance to noncurrent loans | 51.9828% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 9.5573% | 332 |
| Noncurrent loans to loans | 5.2478% | 1,040 |
| Net loans and leases to total assets | 72.1684% | 1,372 |
| Net loans and leases to deposits | 89.4178% | 1,019 |
| Net loans and leases to core deposits | 92.8797% | 1,560 |
| Total domestic deposits to total assets | 80.7093% | 5,676 |
| Equity capital to assets | 11.1558% | 2,751 |
| Core capital (leverage) ratio | 11.1813% | 2,122 |
| Tier 1 risk-based capital ratio | 16.7543% | 2,780 |
| Total risk-based capital ratio | 18.0281% | 2,728 |
| Memoranda: | ||
| Average total assets | $143,820,500 | 3,976 |
| Average earning assets | $125,356,000 | 4,075 |
| Average equity | $15,869,500 | 3,834 |
| Average total loans | $107,165,000 | 3,427 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6491% | 870 |
| Cost of funding earning assets | 1.5736% | 526 |
| Net interest margin | 4.0755% | 2,544 |
| Noninterest income to average assets | 1.0022% | 1,363 |
| Noninterest expense to average assets | 4.3847% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1780% | 5,650 |
| Return on assets (ROA) | 0.1780% | 5,791 |
| Pretax return on assets | 0.1780% | 5,836 |
| Return on Equity (ROE) | 1.7102% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.7102% | 4,995 |
| Net charge-offs to loans | 0.2519% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.9745% | 5,067 |
| Efficiency ratio | 96.0990% | 817 |
| Assets per employee ($millions) | 3.1414% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8520% | 927 |
| Loan loss allowance to noncurrent loans | 43.2175% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 10.0384% | 331 |
| Noncurrent loans to loans | 6.5992% | 700 |
| Net loans and leases to total assets | 72.6964% | 1,515 |
| Net loans and leases to deposits | 89.6285% | 1,200 |
| Net loans and leases to core deposits | 92.6972% | 1,821 |
| Total domestic deposits to total assets | 81.1086% | 5,421 |
| Equity capital to assets | 10.9138% | 3,066 |
| Core capital (leverage) ratio | 10.9347% | 2,317 |
| Tier 1 risk-based capital ratio | 15.8708% | 3,112 |
| Total risk-based capital ratio | 17.1418% | 3,062 |
| Memoranda: | ||
| Average total assets | $150,570,200 | 3,788 |
| Average earning assets | $131,543,200 | 3,902 |
| Average equity | $15,670,800 | 3,775 |
| Average total loans | $109,165,800 | 3,403 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 838 |
| Cost of funding earning assets | 1.6387% | 501 |
| Net interest margin | 4.0711% | 2,592 |
| Noninterest income to average assets | 0.8916% | 1,681 |
| Noninterest expense to average assets | 4.3220% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1262% | 5,900 |
| Return on assets (ROA) | 0.1262% | 6,016 |
| Pretax return on assets | 0.1262% | 6,050 |
| Return on Equity (ROE) | 1.2272% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.2272% | 5,523 |
| Net charge-offs to loans | 0.2693% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.6516% | 5,135 |
| Efficiency ratio | 97.1620% | 765 |
| Assets per employee ($millions) | 3.0712% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9864% | 870 |
| Loan loss allowance to noncurrent loans | 34.5557% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 12.5268% | 207 |
| Noncurrent loans to loans | 8.6422% | 481 |
| Net loans and leases to total assets | 72.1575% | 1,678 |
| Net loans and leases to deposits | 89.3230% | 1,285 |
| Net loans and leases to core deposits | 92.9058% | 1,897 |
| Total domestic deposits to total assets | 80.7826% | 5,505 |
| Equity capital to assets | 11.0757% | 3,072 |
| Core capital (leverage) ratio | 10.5121% | 2,853 |
| Tier 1 risk-based capital ratio | 15.2171% | 3,541 |
| Total risk-based capital ratio | 16.4318% | 3,523 |
| Memoranda: | ||
| Average total assets | $152,086,500 | 3,791 |
| Average earning assets | $132,868,500 | 3,895 |
| Average equity | $15,645,750 | 3,795 |
| Average total loans | $109,423,750 | 3,426 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8360% | 670 |
| Cost of funding earning assets | 1.6624% | 549 |
| Net interest margin | 4.1736% | 2,145 |
| Noninterest income to average assets | 0.7091% | 2,506 |
| Noninterest expense to average assets | 4.2276% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1387% | 5,913 |
| Return on assets (ROA) | 0.1387% | 6,007 |
| Pretax return on assets | 0.1387% | 6,039 |
| Return on Equity (ROE) | 1.3806% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.3806% | 5,302 |
| Net charge-offs to loans | 0.1443% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.3500% | 4,274 |
| Efficiency ratio | 96.8226% | 842 |
| Assets per employee ($millions) | 3.4647% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0658% | 839 |
| Loan loss allowance to noncurrent loans | 32.4172% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 12.2284% | 250 |
| Noncurrent loans to loans | 9.4574% | 424 |
| Net loans and leases to total assets | 68.0061% | 2,614 |
| Net loans and leases to deposits | 82.8901% | 2,299 |
| Net loans and leases to core deposits | 85.7228% | 2,949 |
| Total domestic deposits to total assets | 82.0437% | 5,150 |
| Equity capital to assets | 10.2402% | 3,830 |
| Core capital (leverage) ratio | 10.1747% | 3,062 |
| Tier 1 risk-based capital ratio | 15.5034% | 3,242 |
| Total risk-based capital ratio | 16.7319% | 3,202 |
| Memoranda: | ||
| Average total assets | $155,691,000 | 3,752 |
| Average earning assets | $136,428,670 | 3,849 |
| Average equity | $15,645,330 | 3,795 |
| Average total loans | $110,872,670 | 3,436 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1299% | 378 |
| Cost of funding earning assets | 1.7497% | 446 |
| Net interest margin | 4.3802% | 1,339 |
| Noninterest income to average assets | 0.5899% | 3,240 |
| Noninterest expense to average assets | 3.6234% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8111% | 2,972 |
| Return on assets (ROA) | 0.8111% | 3,038 |
| Pretax return on assets | 0.8111% | 3,861 |
| Return on Equity (ROE) | 8.1468% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.1468% | 1,678 |
| Net charge-offs to loans | -0.0567% | 6,925 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7087% | 2,270 |
| Assets per employee ($millions) | 3.3475% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0744% | 854 |
| Loan loss allowance to noncurrent loans | 34.2223% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 11.8147% | 282 |
| Noncurrent loans to loans | 8.9836% | 497 |
| Net loans and leases to total assets | 69.0991% | 2,305 |
| Net loans and leases to deposits | 84.2029% | 1,998 |
| Net loans and leases to core deposits | 87.0429% | 2,730 |
| Total domestic deposits to total assets | 82.0627% | 5,285 |
| Equity capital to assets | 10.2750% | 3,436 |
| Core capital (leverage) ratio | 10.0242% | 3,115 |
| Tier 1 risk-based capital ratio | 15.5247% | 3,154 |
| Total risk-based capital ratio | 16.8003% | 3,089 |
| Memoranda: | ||
| Average total assets | $157,312,500 | 3,756 |
| Average earning assets | $138,077,000 | 3,855 |
| Average equity | $15,662,500 | 3,786 |
| Average total loans | $112,832,500 | 3,417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6683% | 1,689 |
| Cost of funding earning assets | 1.9580% | 703 |
| Net interest margin | 3.7102% | 4,306 |
| Noninterest income to average assets | -1.1347% | 7,630 |
| Noninterest expense to average assets | 4.9273% | 444 |
| Loan and lease loss provision to assets | 1.7323% | 815 |
| Net operating income to assets | -4.5260% | 7,491 |
| Return on assets (ROA) | -4.5260% | 7,506 |
| Pretax return on assets | -4.5260% | 7,503 |
| Return on Equity (ROE) | -48.4401% | 7,412 |
| Retained earnings to average equity (ytd only) | -48.4401% | 7,409 |
| Net charge-offs to loans | 2.2448% | 862 |
| Credit loss provision to net charge-offs | 103.4483% | 4,350 |
| Earnings coverage of net charge-offs (x) | -1.6683% | 6,689 |
| Efficiency ratio | 230.9337% | 63 |
| Assets per employee ($millions) | 3.2128% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8985% | 959 |
| Loan loss allowance to noncurrent loans | 34.0152% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 11.1337% | 338 |
| Noncurrent loans to loans | 8.5212% | 577 |
| Net loans and leases to total assets | 70.0502% | 2,523 |
| Net loans and leases to deposits | 85.7604% | 2,148 |
| Net loans and leases to core deposits | 88.7564% | 2,935 |
| Total domestic deposits to total assets | 81.6813% | 5,299 |
| Equity capital to assets | 9.6508% | 4,213 |
| Core capital (leverage) ratio | 9.3490% | 3,928 |
| Tier 1 risk-based capital ratio | 14.5181% | 3,531 |
| Total risk-based capital ratio | 15.7917% | 3,477 |
| Memoranda: | ||
| Average total assets | $173,177,000 | 3,482 |
| Average earning assets | $152,551,000 | 3,595 |
| Average equity | $16,180,800 | 3,721 |
| Average total loans | $129,185,200 | 3,137 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6969% | 1,724 |
| Cost of funding earning assets | 2.0029% | 748 |
| Net interest margin | 3.6941% | 4,432 |
| Noninterest income to average assets | -0.2692% | 7,623 |
| Noninterest expense to average assets | 4.3483% | 709 |
| Loan and lease loss provision to assets | 1.1721% | 1,226 |
| Net operating income to assets | -2.5356% | 7,358 |
| Return on assets (ROA) | -2.5356% | 7,370 |
| Pretax return on assets | -2.5356% | 7,327 |
| Return on Equity (ROE) | -27.3424% | 7,345 |
| Retained earnings to average equity (ytd only) | -27.3424% | 7,337 |
| Net charge-offs to loans | 1.1189% | 1,821 |
| Credit loss provision to net charge-offs | 139.3885% | 2,862 |
| Earnings coverage of net charge-offs (x) | -1.6214% | 6,517 |
| Efficiency ratio | 145.6803% | 220 |
| Assets per employee ($millions) | 3.1854% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9682% | 846 |
| Loan loss allowance to noncurrent loans | 32.8768% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 12.4115% | 250 |
| Noncurrent loans to loans | 9.0282% | 531 |
| Net loans and leases to total assets | 71.5863% | 2,339 |
| Net loans and leases to deposits | 86.6731% | 2,206 |
| Net loans and leases to core deposits | 89.5655% | 3,156 |
| Total domestic deposits to total assets | 82.5934% | 4,755 |
| Equity capital to assets | 9.2924% | 5,159 |
| Core capital (leverage) ratio | 9.2590% | 4,262 |
| Tier 1 risk-based capital ratio | 13.3950% | 4,275 |
| Total risk-based capital ratio | 14.6690% | 4,219 |
| Memoranda: | ||
| Average total assets | $176,311,500 | 3,476 |
| Average earning assets | $155,308,000 | 3,588 |
| Average equity | $16,350,250 | 3,748 |
| Average total loans | $132,509,750 | 3,130 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 1,867 |
| Cost of funding earning assets | 2.0929% | 673 |
| Net interest margin | 3.5787% | 4,907 |
| Noninterest income to average assets | 0.2752% | 5,946 |
| Noninterest expense to average assets | 4.2359% | 775 |
| Loan and lease loss provision to assets | 0.8948% | 1,629 |
| Net operating income to assets | -1.6979% | 7,215 |
| Return on assets (ROA) | -1.6979% | 7,226 |
| Pretax return on assets | -1.6979% | 7,145 |
| Return on Equity (ROE) | -18.3212% | 7,234 |
| Retained earnings to average equity (ytd only) | -18.3212% | 7,207 |
| Net charge-offs to loans | 0.9485% | 1,939 |
| Credit loss provision to net charge-offs | 124.8050% | 3,244 |
| Earnings coverage of net charge-offs (x) | -1.1201% | 6,139 |
| Efficiency ratio | 123.3952% | 373 |
| Assets per employee ($millions) | 3.1020% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6449% | 1,138 |
| Loan loss allowance to noncurrent loans | 30.2853% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 12.9507% | 224 |
| Noncurrent loans to loans | 8.7334% | 558 |
| Net loans and leases to total assets | 73.7421% | 1,970 |
| Net loans and leases to deposits | 89.3264% | 1,955 |
| Net loans and leases to core deposits | 91.9207% | 3,003 |
| Total domestic deposits to total assets | 82.5536% | 4,763 |
| Equity capital to assets | 9.2745% | 5,040 |
| Core capital (leverage) ratio | 8.9598% | 4,673 |
| Tier 1 risk-based capital ratio | 12.8267% | 4,585 |
| Total risk-based capital ratio | 14.0953% | 4,528 |
| Memoranda: | ||
| Average total assets | $178,806,330 | 3,457 |
| Average earning assets | $157,768,670 | 3,558 |
| Average equity | $16,571,000 | 3,710 |
| Average total loans | $135,161,670 | 3,102 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5938% | 2,175 |
| Cost of funding earning assets | 2.2587% | 483 |
| Net interest margin | 3.3351% | 5,844 |
| Noninterest income to average assets | 0.4330% | 4,632 |
| Noninterest expense to average assets | 4.0349% | 980 |
| Loan and lease loss provision to assets | 1.0935% | 1,123 |
| Net operating income to assets | -1.7342% | 7,395 |
| Return on assets (ROA) | -1.7342% | 7,401 |
| Pretax return on assets | -1.7342% | 7,331 |
| Return on Equity (ROE) | -18.7194% | 7,414 |
| Retained earnings to average equity (ytd only) | -18.7194% | 7,337 |
| Net charge-offs to loans | 1.4914% | 1,159 |
| Credit loss provision to net charge-offs | 97.0874% | 3,505 |
| Earnings coverage of net charge-offs (x) | -0.5689% | 5,306 |
| Efficiency ratio | 118.8789% | 454 |
| Assets per employee ($millions) | 2.9696% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4418% | 1,370 |
| Loan loss allowance to noncurrent loans | 27.4149% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 12.3179% | 242 |
| Noncurrent loans to loans | 8.9067% | 548 |
| Net loans and leases to total assets | 71.5518% | 2,559 |
| Net loans and leases to deposits | 86.0202% | 2,585 |
| Net loans and leases to core deposits | 88.6241% | 3,547 |
| Total domestic deposits to total assets | 83.1801% | 4,532 |
| Equity capital to assets | 9.1353% | 5,083 |
| Core capital (leverage) ratio | 8.9904% | 4,592 |
| Tier 1 risk-based capital ratio | 13.2261% | 4,189 |
| Total risk-based capital ratio | 14.4930% | 4,122 |
| Memoranda: | ||
| Average total assets | $182,905,500 | 3,458 |
| Average earning assets | $162,395,000 | 3,519 |
| Average equity | $16,945,000 | 3,667 |
| Average total loans | $138,128,500 | 3,103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 1,599 |
| Cost of funding earning assets | 2.4984% | 1,029 |
| Net interest margin | 3.5725% | 4,641 |
| Noninterest income to average assets | 0.7678% | 2,571 |
| Noninterest expense to average assets | 4.6950% | 651 |
| Loan and lease loss provision to assets | 1.2456% | 1,853 |
| Net operating income to assets | -1.9382% | 7,063 |
| Return on assets (ROA) | -1.9382% | 7,068 |
| Pretax return on assets | -1.9382% | 6,918 |
| Return on Equity (ROE) | -20.0317% | 7,146 |
| Retained earnings to average equity (ytd only) | -20.0317% | 7,110 |
| Net charge-offs to loans | 2.1814% | 1,101 |
| Credit loss provision to net charge-offs | 67.7471% | 6,534 |
| Earnings coverage of net charge-offs (x) | -0.3767% | 6,606 |
| Efficiency ratio | 117.3053% | 654 |
| Assets per employee ($millions) | 2.9312% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2726% | 1,528 |
| Loan loss allowance to noncurrent loans | 21.4211% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 12.3968% | 230 |
| Noncurrent loans to loans | 10.6093% | 369 |
| Net loans and leases to total assets | 75.8892% | 1,824 |
| Net loans and leases to deposits | 94.4309% | 1,544 |
| Net loans and leases to core deposits | 131.0568% | 1,226 |
| Total domestic deposits to total assets | 80.3648% | 5,561 |
| Equity capital to assets | 9.3909% | 4,576 |
| Core capital (leverage) ratio | 9.2526% | 4,050 |
| Tier 1 risk-based capital ratio | 13.1632% | 4,034 |
| Total risk-based capital ratio | 14.4278% | 3,975 |
| Memoranda: | ||
| Average total assets | $204,728,200 | 3,124 |
| Average earning assets | $185,358,000 | 3,154 |
| Average equity | $19,808,600 | 3,231 |
| Average total loans | $172,548,000 | 2,597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2056% | 1,366 |
| Cost of funding earning assets | 2.6068% | 1,017 |
| Net interest margin | 3.5988% | 4,489 |
| Noninterest income to average assets | 0.8213% | 2,328 |
| Noninterest expense to average assets | 4.2451% | 983 |
| Loan and lease loss provision to assets | 1.1124% | 1,754 |
| Net operating income to assets | -1.2707% | 7,001 |
| Return on assets (ROA) | -1.2707% | 7,003 |
| Pretax return on assets | -1.2707% | 6,850 |
| Return on Equity (ROE) | -13.0489% | 7,078 |
| Retained earnings to average equity (ytd only) | -13.0489% | 7,012 |
| Net charge-offs to loans | 1.9239% | 1,033 |
| Credit loss provision to net charge-offs | 67.4374% | 6,033 |
| Earnings coverage of net charge-offs (x) | -0.0960% | 6,173 |
| Efficiency ratio | 103.8731% | 924 |
| Assets per employee ($millions) | 2.9411% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3281% | 1,264 |
| Loan loss allowance to noncurrent loans | 25.6668% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 11.2775% | 265 |
| Noncurrent loans to loans | 9.0705% | 494 |
| Net loans and leases to total assets | 79.6186% | 1,257 |
| Net loans and leases to deposits | 100.4037% | 1,067 |
| Net loans and leases to core deposits | 136.2778% | 1,083 |
| Total domestic deposits to total assets | 79.2984% | 5,694 |
| Equity capital to assets | 10.1015% | 3,958 |
| Core capital (leverage) ratio | 9.6688% | 3,692 |
| Tier 1 risk-based capital ratio | 13.8261% | 3,649 |
| Total risk-based capital ratio | 15.0926% | 3,591 |
| Memoranda: | ||
| Average total assets | $209,743,250 | 3,092 |
| Average earning assets | $190,318,750 | 3,116 |
| Average equity | $20,425,250 | 3,177 |
| Average total loans | $179,834,500 | 2,544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2074% | 1,431 |
| Cost of funding earning assets | 2.6939% | 1,046 |
| Net interest margin | 3.5135% | 4,743 |
| Noninterest income to average assets | 0.8382% | 2,229 |
| Noninterest expense to average assets | 4.2272% | 1,038 |
| Loan and lease loss provision to assets | 0.9262% | 1,821 |
| Net operating income to assets | -1.1189% | 7,065 |
| Return on assets (ROA) | -1.1189% | 7,068 |
| Pretax return on assets | -1.1189% | 6,891 |
| Return on Equity (ROE) | -11.6172% | 7,147 |
| Retained earnings to average equity (ytd only) | -11.6172% | 7,022 |
| Net charge-offs to loans | 1.9592% | 948 |
| Credit loss provision to net charge-offs | 54.3478% | 5,691 |
| Earnings coverage of net charge-offs (x) | -0.1130% | 5,807 |
| Efficiency ratio | 104.7750% | 1,005 |
| Assets per employee ($millions) | 3.0427% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 1,415 |
| Loan loss allowance to noncurrent loans | 25.8632% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 10.9348% | 235 |
| Noncurrent loans to loans | 8.0753% | 549 |
| Net loans and leases to total assets | 83.5453% | 699 |
| Net loans and leases to deposits | 104.5942% | 866 |
| Net loans and leases to core deposits | 138.3608% | 1,085 |
| Total domestic deposits to total assets | 79.8757% | 5,518 |
| Equity capital to assets | 9.8605% | 4,133 |
| Core capital (leverage) ratio | 9.3292% | 4,132 |
| Tier 1 risk-based capital ratio | 12.6740% | 4,377 |
| Total risk-based capital ratio | 13.9243% | 4,296 |
| Memoranda: | ||
| Average total assets | $215,934,670 | 3,029 |
| Average earning assets | $196,443,670 | 3,049 |
| Average equity | $20,796,670 | 3,128 |
| Average total loans | $187,834,670 | 2,482 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0156% | 2,299 |
| Cost of funding earning assets | 2.7525% | 1,107 |
| Net interest margin | 3.2631% | 5,649 |
| Noninterest income to average assets | 0.5370% | 4,010 |
| Noninterest expense to average assets | 4.1177% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5983% | 6,965 |
| Return on assets (ROA) | -0.5983% | 7,009 |
| Pretax return on assets | -0.5983% | 6,903 |
| Return on Equity (ROE) | -6.2807% | 7,089 |
| Retained earnings to average equity (ytd only) | -6.2807% | 6,721 |
| Net charge-offs to loans | 0.6017% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.1331% | 5,390 |
| Efficiency ratio | 116.9995% | 679 |
| Assets per employee ($millions) | 3.2073% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,065 |
| Loan loss allowance to noncurrent loans | 23.5294% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 10.5507% | 199 |
| Noncurrent loans to loans | 9.4044% | 330 |
| Net loans and leases to total assets | 84.6959% | 595 |
| Net loans and leases to deposits | 104.7278% | 963 |
| Net loans and leases to core deposits | 134.7227% | 1,376 |
| Total domestic deposits to total assets | 80.8724% | 5,018 |
| Equity capital to assets | 9.6186% | 4,498 |
| Core capital (leverage) ratio | 9.3181% | 4,219 |
| Tier 1 risk-based capital ratio | 12.3115% | 4,696 |
| Total risk-based capital ratio | 13.5286% | 4,635 |
| Memoranda: | ||
| Average total assets | $221,970,500 | 2,964 |
| Average earning assets | $202,872,500 | 2,980 |
| Average equity | $21,144,000 | 3,100 |
| Average total loans | $194,776,500 | 2,423 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0252% | 1,063 |
| Cost of funding earning assets | 3.2011% | 1,189 |
| Net interest margin | 3.8241% | 3,921 |
| Noninterest income to average assets | 1.0586% | 1,400 |
| Noninterest expense to average assets | 3.7735% | 1,810 |
| Loan and lease loss provision to assets | 1.2395% | 1,158 |
| Net operating income to assets | -0.4314% | 6,857 |
| Return on assets (ROA) | -0.4314% | 6,734 |
| Pretax return on assets | -0.4314% | 6,582 |
| Return on Equity (ROE) | -4.5244% | 6,810 |
| Retained earnings to average equity (ytd only) | -8.5114% | 6,927 |
| Net charge-offs to loans | 0.6137% | 2,000 |
| Credit loss provision to net charge-offs | 219.4587% | 2,189 |
| Earnings coverage of net charge-offs (x) | 1.4309% | 5,400 |
| Efficiency ratio | 82.3609% | 2,259 |
| Assets per employee ($millions) | 3.0519% | 5,928 |
| Cash dividends to net income (ytd only)* | -88.1226% | 8,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 920 |
| Loan loss allowance to noncurrent loans | 25.6274% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 9.7869% | 173 |
| Noncurrent loans to loans | 8.6986% | 289 |
| Net loans and leases to total assets | 86.8656% | 485 |
| Net loans and leases to deposits | 106.9276% | 1,050 |
| Net loans and leases to core deposits | 141.4749% | 1,188 |
| Total domestic deposits to total assets | 81.2378% | 4,538 |
| Equity capital to assets | 9.4358% | 4,779 |
| Core capital (leverage) ratio | 8.9372% | 4,835 |
| Tier 1 risk-based capital ratio | 11.9572% | 4,855 |
| Total risk-based capital ratio | 13.2225% | 4,730 |
| Memoranda: | ||
| Average total assets | $242,027,200 | 2,635 |
| Average earning assets | $222,982,800 | 2,625 |
| Average equity | $23,075,000 | 2,841 |
| Average total loans | $222,749,200 | 2,104 |