Home > First National Community Bank > Performance and Condition Ratios
First National Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9305% | 366 |
| Cost of funding earning assets | 1.7966% | 2,458 |
| Net interest margin | 5.1338% | 238 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.6958% | 1,766 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 1.8582% | 572 |
| Return on assets (ROA) | 1.8582% | 571 |
| Pretax return on assets | 2.4609% | 333 |
| Return on Equity (ROE) | 14.0700% | 1,246 |
| Retained earnings to average equity (ytd only) | 11.7837% | 828 |
| Net charge-offs to loans | 0.1907% | 550 |
| Credit loss provision to net charge-offs | 112.0332% | 1,200 |
| Earnings coverage of net charge-offs (x) | 18.0788% | 1,466 |
| Efficiency ratio | 50.1358% | 3,881 |
| Assets per employee ($millions) | 6.0591% | 2,900 |
| Cash dividends to net income (ytd only)* | 16.2346% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 1,996 |
| Loan loss allowance to noncurrent loans | 405.8296% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 2,374 |
| Noncurrent loans to loans | 0.3048% | 2,403 |
| Net loans and leases to total assets | 74.5300% | 1,268 |
| Net loans and leases to deposits | 86.3820% | 1,459 |
| Net loans and leases to core deposits | 98.4777% | 1,469 |
| Total domestic deposits to total assets | 86.2800% | 2,206 |
| Equity capital to assets | 13.1319% | 888 |
| Core capital (leverage) ratio | 13.1970% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $664,298,500 | 1,421 |
| Average earning assets | $629,626,000 | 1,392 |
| Average equity | $87,748,000 | 1,157 |
| Average total loans | $505,547,000 | 1,304 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0225% | 386 |
| Cost of funding earning assets | 1.7075% | 2,940 |
| Net interest margin | 5.3150% | 227 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.7733% | 1,573 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 1.9320% | 438 |
| Return on assets (ROA) | 1.9320% | 443 |
| Pretax return on assets | 2.5384% | 285 |
| Return on Equity (ROE) | 15.1300% | 908 |
| Retained earnings to average equity (ytd only) | 13.1592% | 209 |
| Net charge-offs to loans | 0.0923% | 1,240 |
| Credit loss provision to net charge-offs | 293.1973% | 879 |
| Earnings coverage of net charge-offs (x) | 39.5011% | 1,356 |
| Efficiency ratio | 49.4947% | 4,013 |
| Assets per employee ($millions) | 5.9631% | 2,901 |
| Cash dividends to net income (ytd only)* | 13.0011% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 1,842 |
| Loan loss allowance to noncurrent loans | 564.5479% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 2,581 |
| Noncurrent loans to loans | 0.2239% | 2,615 |
| Net loans and leases to total assets | 75.7900% | 1,179 |
| Net loans and leases to deposits | 87.8802% | 1,407 |
| Net loans and leases to core deposits | 99.0032% | 1,511 |
| Total domestic deposits to total assets | 86.2500% | 2,138 |
| Equity capital to assets | 13.2898% | 825 |
| Core capital (leverage) ratio | 13.3400% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $631,412,600 | 1,474 |
| Average earning assets | $598,608,600 | 1,435 |
| Average equity | $80,651,000 | 1,190 |
| Average total loans | $477,673,200 | 1,344 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0434% | 370 |
| Cost of funding earning assets | 1.6859% | 2,978 |
| Net interest margin | 5.3575% | 219 |
| Noninterest income to average assets | 0.5000% | 1,897 |
| Noninterest expense to average assets | 2.8350% | 1,399 |
| Loan and lease loss provision to assets | 0.2400% | 464 |
| Net operating income to assets | 1.8956% | 507 |
| Return on assets (ROA) | 1.8956% | 513 |
| Pretax return on assets | 2.5023% | 322 |
| Return on Equity (ROE) | 15.0000% | 954 |
| Retained earnings to average equity (ytd only) | 13.0017% | 391 |
| Net charge-offs to loans | 0.0172% | 2,040 |
| Credit loss provision to net charge-offs | 1,780.3279% | 266 |
| Earnings coverage of net charge-offs (x) | 211.6557% | 499 |
| Efficiency ratio | 50.1296% | 3,981 |
| Assets per employee ($millions) | 5.5893% | 3,190 |
| Cash dividends to net income (ytd only)* | 13.3094% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,582 |
| Loan loss allowance to noncurrent loans | 419.8963% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 2,262 |
| Noncurrent loans to loans | 0.3173% | 2,331 |
| Net loans and leases to total assets | 76.6400% | 1,045 |
| Net loans and leases to deposits | 89.1198% | 1,328 |
| Net loans and leases to core deposits | 99.9084% | 1,482 |
| Total domestic deposits to total assets | 86.0000% | 1,932 |
| Equity capital to assets | 13.4019% | 858 |
| Core capital (leverage) ratio | 12.9765% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $626,770,750 | 1,467 |
| Average earning assets | $594,339,250 | 1,443 |
| Average equity | $79,218,500 | 1,208 |
| Average total loans | $472,352,500 | 1,352 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8765% | 419 |
| Cost of funding earning assets | 1.6436% | 2,986 |
| Net interest margin | 5.2329% | 253 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.8168% | 1,419 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | 1.8283% | 562 |
| Return on assets (ROA) | 1.8283% | 567 |
| Pretax return on assets | 2.4136% | 368 |
| Return on Equity (ROE) | 14.7600% | 1,017 |
| Retained earnings to average equity (ytd only) | 11.7076% | 575 |
| Net charge-offs to loans | 0.0346% | 1,479 |
| Credit loss provision to net charge-offs | 904.9383% | 434 |
| Earnings coverage of net charge-offs (x) | 102.8642% | 759 |
| Efficiency ratio | 50.7487% | 3,965 |
| Assets per employee ($millions) | 5.6918% | 3,058 |
| Cash dividends to net income (ytd only)* | 20.6909% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 1,848 |
| Loan loss allowance to noncurrent loans | 276.7906% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 1,803 |
| Noncurrent loans to loans | 0.4607% | 1,849 |
| Net loans and leases to total assets | 72.8500% | 1,548 |
| Net loans and leases to deposits | 83.6018% | 1,878 |
| Net loans and leases to core deposits | 93.7269% | 1,883 |
| Total domestic deposits to total assets | 87.1400% | 1,601 |
| Equity capital to assets | 12.3658% | 1,046 |
| Core capital (leverage) ratio | 12.4491% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $627,025,667 | 1,462 |
| Average earning assets | $595,039,667 | 1,429 |
| Average equity | $77,659,000 | 1,220 |
| Average total loans | $467,713,667 | 1,368 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7929% | 424 |
| Cost of funding earning assets | 1.6342% | 2,900 |
| Net interest margin | 5.1587% | 271 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 2.8482% | 1,341 |
| Loan and lease loss provision to assets | 0.2500% | 381 |
| Net operating income to assets | 1.7452% | 622 |
| Return on assets (ROA) | 1.7452% | 627 |
| Pretax return on assets | 2.3042% | 423 |
| Return on Equity (ROE) | 14.0800% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.1446% | 1,518 |
| Net charge-offs to loans | 0.0684% | 905 |
| Credit loss provision to net charge-offs | 402.5316% | 572 |
| Earnings coverage of net charge-offs (x) | 49.7722% | 961 |
| Efficiency ratio | 52.0135% | 3,903 |
| Assets per employee ($millions) | 5.3585% | 3,379 |
| Cash dividends to net income (ytd only)* | 42.1503% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,180 |
| Loan loss allowance to noncurrent loans | 253.9251% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 1,652 |
| Noncurrent loans to loans | 0.4802% | 1,729 |
| Net loans and leases to total assets | 75.5000% | 1,134 |
| Net loans and leases to deposits | 87.0141% | 1,448 |
| Net loans and leases to core deposits | 98.1768% | 1,506 |
| Total domestic deposits to total assets | 86.7700% | 1,855 |
| Equity capital to assets | 12.6215% | 956 |
| Core capital (leverage) ratio | 12.3927% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $616,103,500 | 1,487 |
| Average earning assets | $584,257,000 | 1,462 |
| Average equity | $76,369,500 | 1,223 |
| Average total loans | $462,156,500 | 1,378 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2112% | 483 |
| Cost of funding earning assets | 0.7892% | 3,769 |
| Net interest margin | 5.4220% | 203 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.9118% | 1,253 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.9501% | 498 |
| Return on assets (ROA) | 1.9501% | 473 |
| Pretax return on assets | 2.5002% | 340 |
| Return on Equity (ROE) | 16.0500% | 1,089 |
| Retained earnings to average equity (ytd only) | 15.1272% | 316 |
| Net charge-offs to loans | 0.1467% | 697 |
| Credit loss provision to net charge-offs | 196.9305% | 1,234 |
| Earnings coverage of net charge-offs (x) | 25.6785% | 1,728 |
| Efficiency ratio | 50.7163% | 3,927 |
| Assets per employee ($millions) | 5.7532% | 3,021 |
| Cash dividends to net income (ytd only)* | 5.7390% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,341 |
| Loan loss allowance to noncurrent loans | 514.5283% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 2,397 |
| Noncurrent loans to loans | 0.2317% | 2,384 |
| Net loans and leases to total assets | 72.7400% | 1,498 |
| Net loans and leases to deposits | 83.2813% | 1,835 |
| Net loans and leases to core deposits | 91.0555% | 1,981 |
| Total domestic deposits to total assets | 87.3400% | 1,576 |
| Equity capital to assets | 12.1735% | 1,077 |
| Core capital (leverage) ratio | 12.6267% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $580,782,600 | 1,523 |
| Average earning assets | $545,888,600 | 1,506 |
| Average equity | $70,574,800 | 1,241 |
| Average total loans | $421,840,400 | 1,419 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0832% | 480 |
| Cost of funding earning assets | 0.5954% | 3,978 |
| Net interest margin | 5.4878% | 181 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.8893% | 1,247 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 1.9521% | 536 |
| Return on assets (ROA) | 1.9521% | 528 |
| Pretax return on assets | 2.5687% | 354 |
| Return on Equity (ROE) | 16.0700% | 1,247 |
| Retained earnings to average equity (ytd only) | 14.8222% | 580 |
| Net charge-offs to loans | -0.0074% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.7646% | 3,931 |
| Assets per employee ($millions) | 5.3436% | 3,310 |
| Cash dividends to net income (ytd only)* | 7.7798% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,045 |
| Loan loss allowance to noncurrent loans | 294.2872% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 1,693 |
| Noncurrent loans to loans | 0.4287% | 1,757 |
| Net loans and leases to total assets | 76.8300% | 1,012 |
| Net loans and leases to deposits | 88.2064% | 1,368 |
| Net loans and leases to core deposits | 97.5165% | 1,474 |
| Total domestic deposits to total assets | 87.1000% | 1,858 |
| Equity capital to assets | 12.3966% | 946 |
| Core capital (leverage) ratio | 12.8633% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $570,642,500 | 1,552 |
| Average earning assets | $534,794,000 | 1,540 |
| Average equity | $69,308,750 | 1,252 |
| Average total loans | $412,950,750 | 1,440 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9724% | 457 |
| Cost of funding earning assets | 0.4573% | 4,069 |
| Net interest margin | 5.5151% | 172 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.8371% | 1,347 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 2.0632% | 424 |
| Return on assets (ROA) | 2.0632% | 421 |
| Pretax return on assets | 2.7146% | 281 |
| Return on Equity (ROE) | 17.1100% | 1,084 |
| Retained earnings to average equity (ytd only) | 17.1077% | 391 |
| Net charge-offs to loans | -0.0070% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.8005% | 4,011 |
| Assets per employee ($millions) | 5.0645% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,147 |
| Loan loss allowance to noncurrent loans | 256.7937% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 1,439 |
| Noncurrent loans to loans | 0.4893% | 1,494 |
| Net loans and leases to total assets | 74.8000% | 1,192 |
| Net loans and leases to deposits | 86.1994% | 1,485 |
| Net loans and leases to core deposits | 89.3416% | 1,842 |
| Total domestic deposits to total assets | 86.7700% | 2,001 |
| Equity capital to assets | 12.7941% | 863 |
| Core capital (leverage) ratio | 12.7027% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $566,704,333 | 1,565 |
| Average earning assets | $529,202,000 | 1,557 |
| Average equity | $68,343,333 | 1,260 |
| Average total loans | $399,534,667 | 1,459 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7926% | 423 |
| Cost of funding earning assets | 0.3642% | 4,040 |
| Net interest margin | 5.4284% | 161 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6430% | 1,831 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.2054% | 364 |
| Return on assets (ROA) | 2.2054% | 361 |
| Pretax return on assets | 2.9022% | 223 |
| Return on Equity (ROE) | 18.8400% | 908 |
| Retained earnings to average equity (ytd only) | 18.8390% | 450 |
| Net charge-offs to loans | 0.0072% | 1,680 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 610.0000% | 186 |
| Efficiency ratio | 46.1367% | 4,208 |
| Assets per employee ($millions) | 5.5424% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,305 |
| Loan loss allowance to noncurrent loans | 342.2253% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 1,444 |
| Noncurrent loans to loans | 0.3645% | 1,843 |
| Net loans and leases to total assets | 69.3400% | 1,686 |
| Net loans and leases to deposits | 79.5249% | 1,852 |
| Net loans and leases to core deposits | 81.5714% | 2,142 |
| Total domestic deposits to total assets | 87.2000% | 2,187 |
| Equity capital to assets | 12.0350% | 987 |
| Core capital (leverage) ratio | 11.9540% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $574,039,000 | 1,572 |
| Average earning assets | $534,893,000 | 1,553 |
| Average equity | $67,201,000 | 1,284 |
| Average total loans | $390,220,500 | 1,501 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 1,365 |
| Cost of funding earning assets | 0.2407% | 3,410 |
| Net interest margin | 3.9018% | 951 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.4569% | 2,252 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2988% | 1,434 |
| Return on assets (ROA) | 1.2988% | 1,396 |
| Pretax return on assets | 1.6778% | 974 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 12.8055% | 534 |
| Net charge-offs to loans | -0.0005% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.5444% | 3,402 |
| Assets per employee ($millions) | 5.6578% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7252% | 4,173 |
| Loan loss allowance to noncurrent loans | 209.7285% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 1,557 |
| Noncurrent loans to loans | 0.3458% | 1,903 |
| Net loans and leases to total assets | 65.3300% | 2,107 |
| Net loans and leases to deposits | 73.9624% | 2,262 |
| Net loans and leases to core deposits | 75.6103% | 2,452 |
| Total domestic deposits to total assets | 88.3200% | 1,961 |
| Equity capital to assets | 11.3882% | 1,116 |
| Core capital (leverage) ratio | 10.7966% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $613,498,600 | 1,449 |
| Average earning assets | $570,482,800 | 1,450 |
| Average equity | $62,223,400 | 1,359 |
| Average total loans | $366,502,600 | 1,495 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 1,766 |
| Cost of funding earning assets | 0.2096% | 3,157 |
| Net interest margin | 3.5907% | 1,411 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.4136% | 2,280 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0573% | 2,264 |
| Return on assets (ROA) | 1.0573% | 2,227 |
| Pretax return on assets | 1.4288% | 1,632 |
| Return on Equity (ROE) | 10.7300% | 2,490 |
| Retained earnings to average equity (ytd only) | 10.7339% | 1,122 |
| Net charge-offs to loans | -0.0081% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8337% | 3,009 |
| Assets per employee ($millions) | 6.3840% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 4,217 |
| Loan loss allowance to noncurrent loans | 284.2650% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,014 |
| Noncurrent loans to loans | 0.2547% | 2,361 |
| Net loans and leases to total assets | 59.5700% | 2,556 |
| Net loans and leases to deposits | 66.4291% | 2,682 |
| Net loans and leases to core deposits | 68.2613% | 2,780 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 9.9727% | 1,642 |
| Core capital (leverage) ratio | 9.8136% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $621,185,500 | 1,441 |
| Average earning assets | $577,038,000 | 1,439 |
| Average equity | $61,188,000 | 1,401 |
| Average total loans | $362,259,500 | 1,501 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 2,029 |
| Cost of funding earning assets | 0.2052% | 2,849 |
| Net interest margin | 3.3289% | 1,823 |
| Noninterest income to average assets | 0.5450% | 1,972 |
| Noninterest expense to average assets | 2.3744% | 2,322 |
| Loan and lease loss provision to assets | 0.0350% | 1,951 |
| Net operating income to assets | 0.9058% | 2,559 |
| Return on assets (ROA) | 0.9058% | 2,530 |
| Pretax return on assets | 1.2241% | 1,990 |
| Return on Equity (ROE) | 9.2349% | 2,618 |
| Retained earnings to average equity (ytd only) | 9.2349% | 1,215 |
| Net charge-offs to loans | -0.0191% | 3,847 |
| Credit loss provision to net charge-offs | -317.6471% | 3,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6720% | 2,815 |
| Assets per employee ($millions) | 6.3178% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 4,290 |
| Loan loss allowance to noncurrent loans | 206.9625% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 1,831 |
| Noncurrent loans to loans | 0.3523% | 2,090 |
| Net loans and leases to total assets | 57.7192% | 2,560 |
| Net loans and leases to deposits | 64.0091% | 2,720 |
| Net loans and leases to core deposits | 65.8677% | 2,830 |
| Total domestic deposits to total assets | 90.1734% | 1,641 |
| Equity capital to assets | 9.5525% | 1,977 |
| Core capital (leverage) ratio | 9.6600% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $617,576,333 | 1,460 |
| Average earning assets | $572,975,667 | 1,463 |
| Average equity | $60,574,333 | 1,428 |
| Average total loans | $356,593,000 | 1,511 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 1,722 |
| Cost of funding earning assets | 0.2010% | 2,787 |
| Net interest margin | 3.3240% | 1,517 |
| Noninterest income to average assets | 0.5407% | 1,946 |
| Noninterest expense to average assets | 2.4086% | 2,131 |
| Loan and lease loss provision to assets | 0.0356% | 1,719 |
| Net operating income to assets | 0.8641% | 2,437 |
| Return on assets (ROA) | 0.8641% | 2,428 |
| Pretax return on assets | 1.1678% | 1,926 |
| Return on Equity (ROE) | 8.6910% | 2,444 |
| Retained earnings to average equity (ytd only) | 8.6910% | 1,371 |
| Net charge-offs to loans | 0.0263% | 1,057 |
| Credit loss provision to net charge-offs | 234.7826% | 736 |
| Earnings coverage of net charge-offs (x) | 79.4348% | 747 |
| Efficiency ratio | 64.9708% | 2,912 |
| Assets per employee ($millions) | 6.3516% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 4,341 |
| Loan loss allowance to noncurrent loans | 195.0376% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 1,567 |
| Noncurrent loans to loans | 0.3740% | 2,148 |
| Net loans and leases to total assets | 57.2969% | 2,380 |
| Net loans and leases to deposits | 63.8415% | 2,541 |
| Net loans and leases to core deposits | 65.8273% | 2,642 |
| Total domestic deposits to total assets | 89.7487% | 1,693 |
| Equity capital to assets | 9.8370% | 2,015 |
| Core capital (leverage) ratio | 9.6931% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $607,316,500 | 1,486 |
| Average earning assets | $561,125,500 | 1,499 |
| Average equity | $60,384,500 | 1,475 |
| Average total loans | $349,385,000 | 1,523 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 1,346 |
| Cost of funding earning assets | 0.2059% | 3,407 |
| Net interest margin | 3.8011% | 1,006 |
| Noninterest income to average assets | 0.7247% | 1,678 |
| Noninterest expense to average assets | 3.2789% | 653 |
| Loan and lease loss provision to assets | 0.0452% | 2,152 |
| Net operating income to assets | 0.6503% | 3,746 |
| Return on assets (ROA) | 0.6503% | 3,806 |
| Pretax return on assets | 0.8793% | 3,550 |
| Return on Equity (ROE) | 5.8897% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.3216% | 2,662 |
| Net charge-offs to loans | -0.0084% | 3,686 |
| Credit loss provision to net charge-offs | -860.8696% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8016% | 1,044 |
| Assets per employee ($millions) | 6.2347% | 2,542 |
| Cash dividends to net income (ytd only)* | 9.6457% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,359 |
| Loan loss allowance to noncurrent loans | 166.0402% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 1,516 |
| Noncurrent loans to loans | 0.4496% | 2,010 |
| Net loans and leases to total assets | 56.9071% | 2,489 |
| Net loans and leases to deposits | 63.4573% | 2,738 |
| Net loans and leases to core deposits | 65.6018% | 2,854 |
| Total domestic deposits to total assets | 89.6778% | 1,125 |
| Equity capital to assets | 10.0518% | 2,610 |
| Core capital (leverage) ratio | 9.8484% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,414,000 | 1,872 |
| Average earning assets | $401,225,200 | 1,901 |
| Average equity | $48,406,200 | 1,808 |
| Average total loans | $272,225,200 | 1,827 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 1,217 |
| Cost of funding earning assets | 0.2369% | 3,244 |
| Net interest margin | 3.9035% | 935 |
| Noninterest income to average assets | 0.7112% | 1,788 |
| Noninterest expense to average assets | 3.2618% | 633 |
| Loan and lease loss provision to assets | 0.0482% | 2,035 |
| Net operating income to assets | 0.7092% | 3,743 |
| Return on assets (ROA) | 0.7092% | 3,810 |
| Pretax return on assets | 0.9585% | 3,567 |
| Return on Equity (ROE) | 6.2139% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.2139% | 2,736 |
| Net charge-offs to loans | -0.0010% | 3,125 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1451% | 1,110 |
| Assets per employee ($millions) | 5.6390% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 4,454 |
| Loan loss allowance to noncurrent loans | 228.4665% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 1,922 |
| Noncurrent loans to loans | 0.3187% | 2,635 |
| Net loans and leases to total assets | 60.1531% | 2,240 |
| Net loans and leases to deposits | 67.5058% | 2,483 |
| Net loans and leases to core deposits | 70.0243% | 2,594 |
| Total domestic deposits to total assets | 89.1080% | 1,224 |
| Equity capital to assets | 10.6299% | 2,336 |
| Core capital (leverage) ratio | 10.2703% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,385,500 | 2,014 |
| Average earning assets | $363,046,500 | 2,048 |
| Average equity | $45,467,000 | 1,930 |
| Average total loans | $254,489,750 | 1,932 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 1,253 |
| Cost of funding earning assets | 0.2148% | 3,605 |
| Net interest margin | 3.9422% | 904 |
| Noninterest income to average assets | 0.7692% | 1,618 |
| Noninterest expense to average assets | 2.8017% | 1,351 |
| Loan and lease loss provision to assets | 0.0524% | 1,984 |
| Net operating income to assets | 1.0763% | 2,621 |
| Return on assets (ROA) | 1.0763% | 2,693 |
| Pretax return on assets | 1.4545% | 2,155 |
| Return on Equity (ROE) | 9.0891% | 3,068 |
| Retained earnings to average equity (ytd only) | 9.0891% | 1,682 |
| Net charge-offs to loans | -0.0124% | 3,765 |
| Credit loss provision to net charge-offs | -642.8571% | 3,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5380% | 2,492 |
| Assets per employee ($millions) | 5.4451% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,540 |
| Loan loss allowance to noncurrent loans | 421.7241% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 1,837 |
| Noncurrent loans to loans | 0.2539% | 3,031 |
| Net loans and leases to total assets | 63.8577% | 1,965 |
| Net loans and leases to deposits | 72.4366% | 2,171 |
| Net loans and leases to core deposits | 74.2316% | 2,387 |
| Total domestic deposits to total assets | 88.1568% | 1,747 |
| Equity capital to assets | 11.7282% | 1,502 |
| Core capital (leverage) ratio | 11.1906% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,214,667 | 2,237 |
| Average earning assets | $308,151,667 | 2,297 |
| Average equity | $40,642,000 | 2,076 |
| Average total loans | $225,423,000 | 2,121 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 1,124 |
| Cost of funding earning assets | 0.2315% | 3,629 |
| Net interest margin | 4.0156% | 823 |
| Noninterest income to average assets | 0.7921% | 1,598 |
| Noninterest expense to average assets | 2.7455% | 1,497 |
| Loan and lease loss provision to assets | 0.0426% | 2,210 |
| Net operating income to assets | 1.1816% | 2,224 |
| Return on assets (ROA) | 1.1816% | 2,294 |
| Pretax return on assets | 1.5971% | 1,736 |
| Return on Equity (ROE) | 9.9284% | 2,710 |
| Retained earnings to average equity (ytd only) | 9.9284% | 1,664 |
| Net charge-offs to loans | -0.0179% | 3,939 |
| Credit loss provision to net charge-offs | -360.0000% | 3,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1231% | 2,888 |
| Assets per employee ($millions) | 5.1582% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,723 |
| Loan loss allowance to noncurrent loans | 203.2340% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 1,453 |
| Noncurrent loans to loans | 0.5069% | 2,337 |
| Net loans and leases to total assets | 65.4062% | 1,883 |
| Net loans and leases to deposits | 74.1221% | 2,104 |
| Net loans and leases to core deposits | 76.1883% | 2,334 |
| Total domestic deposits to total assets | 88.2411% | 1,723 |
| Equity capital to assets | 11.6021% | 1,484 |
| Core capital (leverage) ratio | 11.4790% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,856,000 | 2,248 |
| Average earning assets | $302,320,500 | 2,315 |
| Average equity | $40,208,000 | 2,077 |
| Average total loans | $223,905,000 | 2,125 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 783 |
| Cost of funding earning assets | 0.3479% | 3,882 |
| Net interest margin | 4.4149% | 391 |
| Noninterest income to average assets | 1.0628% | 941 |
| Noninterest expense to average assets | 3.2284% | 1,006 |
| Loan and lease loss provision to assets | 0.2010% | 1,952 |
| Net operating income to assets | 1.5139% | 784 |
| Return on assets (ROA) | 1.5139% | 849 |
| Pretax return on assets | 1.5643% | 1,151 |
| Return on Equity (ROE) | 12.2983% | 1,235 |
| Retained earnings to average equity (ytd only) | 11.8672% | 331 |
| Net charge-offs to loans | -0.0239% | 4,473 |
| Credit loss provision to net charge-offs | -1,188.2353% | 4,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4739% | 2,900 |
| Assets per employee ($millions) | 4.7788% | 3,627 |
| Cash dividends to net income (ytd only)* | 3.5057% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,537 |
| Loan loss allowance to noncurrent loans | 197.4705% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 1,474 |
| Noncurrent loans to loans | 0.5491% | 2,337 |
| Net loans and leases to total assets | 65.7517% | 2,131 |
| Net loans and leases to deposits | 75.0451% | 2,376 |
| Net loans and leases to core deposits | 76.9456% | 2,638 |
| Total domestic deposits to total assets | 87.6162% | 1,651 |
| Equity capital to assets | 12.2235% | 1,467 |
| Core capital (leverage) ratio | 11.5509% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,477,400 | 2,286 |
| Average earning assets | $268,429,800 | 2,346 |
| Average equity | $37,110,800 | 2,124 |
| Average total loans | $213,060,800 | 2,147 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 723 |
| Cost of funding earning assets | 0.3760% | 3,930 |
| Net interest margin | 4.5316% | 349 |
| Noninterest income to average assets | 0.8958% | 1,235 |
| Noninterest expense to average assets | 3.2646% | 962 |
| Loan and lease loss provision to assets | 0.2652% | 1,534 |
| Net operating income to assets | 1.0437% | 2,176 |
| Return on assets (ROA) | 1.0437% | 2,300 |
| Pretax return on assets | 1.4104% | 1,696 |
| Return on Equity (ROE) | 8.4624% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.2613% | 1,220 |
| Net charge-offs to loans | -0.0358% | 4,588 |
| Credit loss provision to net charge-offs | -1,031.5789% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9685% | 2,598 |
| Assets per employee ($millions) | 4.5440% | 3,786 |
| Cash dividends to net income (ytd only)* | 2.3768% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,451 |
| Loan loss allowance to noncurrent loans | 231.2500% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 1,288 |
| Noncurrent loans to loans | 0.4550% | 2,684 |
| Net loans and leases to total assets | 69.9179% | 1,960 |
| Net loans and leases to deposits | 79.7346% | 2,343 |
| Net loans and leases to core deposits | 81.5184% | 2,697 |
| Total domestic deposits to total assets | 87.6883% | 1,348 |
| Equity capital to assets | 11.9940% | 1,681 |
| Core capital (leverage) ratio | 11.3953% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,607,750 | 2,301 |
| Average earning assets | $263,828,500 | 2,355 |
| Average equity | $36,458,250 | 2,143 |
| Average total loans | $212,324,500 | 2,150 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2718% | 501 |
| Cost of funding earning assets | 0.4121% | 3,987 |
| Net interest margin | 4.8597% | 258 |
| Noninterest income to average assets | 0.9612% | 1,050 |
| Noninterest expense to average assets | 3.3090% | 983 |
| Loan and lease loss provision to assets | 0.3936% | 1,035 |
| Net operating income to assets | 1.1587% | 1,765 |
| Return on assets (ROA) | 1.1587% | 1,897 |
| Pretax return on assets | 1.5661% | 1,304 |
| Return on Equity (ROE) | 9.3027% | 2,249 |
| Retained earnings to average equity (ytd only) | 8.9978% | 1,006 |
| Net charge-offs to loans | -0.0354% | 4,586 |
| Credit loss provision to net charge-offs | -1,540.5405% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7824% | 3,161 |
| Assets per employee ($millions) | 4.4847% | 3,806 |
| Cash dividends to net income (ytd only)* | 3.2777% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,384 |
| Loan loss allowance to noncurrent loans | 179.6238% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 900 |
| Noncurrent loans to loans | 0.5769% | 2,421 |
| Net loans and leases to total assets | 71.7725% | 1,757 |
| Net loans and leases to deposits | 82.1686% | 2,190 |
| Net loans and leases to core deposits | 83.7917% | 2,625 |
| Total domestic deposits to total assets | 87.3479% | 1,474 |
| Equity capital to assets | 12.1336% | 1,582 |
| Core capital (leverage) ratio | 11.6044% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,630,667 | 2,316 |
| Average earning assets | $256,724,333 | 2,375 |
| Average equity | $36,075,667 | 2,155 |
| Average total loans | $209,249,000 | 2,157 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4667% | 399 |
| Cost of funding earning assets | 0.4899% | 3,985 |
| Net interest margin | 4.9768% | 203 |
| Noninterest income to average assets | 0.8370% | 1,202 |
| Noninterest expense to average assets | 3.4203% | 1,040 |
| Loan and lease loss provision to assets | 0.0255% | 3,473 |
| Net operating income to assets | 1.3009% | 1,244 |
| Return on assets (ROA) | 1.3009% | 1,337 |
| Pretax return on assets | 1.7577% | 757 |
| Return on Equity (ROE) | 10.2999% | 1,641 |
| Retained earnings to average equity (ytd only) | 10.2999% | 691 |
| Net charge-offs to loans | -0.0453% | 4,604 |
| Credit loss provision to net charge-offs | -78.2609% | 3,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6674% | 3,121 |
| Assets per employee ($millions) | 4.0827% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,340 |
| Loan loss allowance to noncurrent loans | 78.6333% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7066% | 570 |
| Noncurrent loans to loans | 1.0521% | 1,577 |
| Net loans and leases to total assets | 74.5275% | 1,528 |
| Net loans and leases to deposits | 85.9800% | 2,003 |
| Net loans and leases to core deposits | 88.0473% | 2,518 |
| Total domestic deposits to total assets | 86.6800% | 1,702 |
| Equity capital to assets | 13.0098% | 1,422 |
| Core capital (leverage) ratio | 11.6730% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,965,000 | 2,308 |
| Average earning assets | $247,389,500 | 2,387 |
| Average equity | $35,612,000 | 2,167 |
| Average total loans | $203,288,000 | 2,156 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 1,911 |
| Cost of funding earning assets | 0.4867% | 4,148 |
| Net interest margin | 4.3573% | 970 |
| Noninterest income to average assets | 1.0845% | 808 |
| Noninterest expense to average assets | 4.0385% | 510 |
| Loan and lease loss provision to assets | 0.0338% | 3,334 |
| Net operating income to assets | 0.7286% | 3,770 |
| Return on assets (ROA) | 0.7286% | 3,840 |
| Pretax return on assets | 0.9848% | 3,499 |
| Return on Equity (ROE) | 5.5843% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.2060% | 2,310 |
| Net charge-offs to loans | -0.0148% | 4,565 |
| Credit loss provision to net charge-offs | -327.2727% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4439% | 1,100 |
| Assets per employee ($millions) | 4.1438% | 3,707 |
| Cash dividends to net income (ytd only)* | 6.7742% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,149 |
| Loan loss allowance to noncurrent loans | 83.5399% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.5948% | 611 |
| Noncurrent loans to loans | 1.0190% | 1,490 |
| Net loans and leases to total assets | 68.6414% | 2,593 |
| Net loans and leases to deposits | 78.3962% | 2,967 |
| Net loans and leases to core deposits | 80.8500% | 3,228 |
| Total domestic deposits to total assets | 87.5571% | 1,340 |
| Equity capital to assets | 12.1428% | 2,048 |
| Core capital (leverage) ratio | 10.7957% | 2,683 |
| Tier 1 risk-based capital ratio | 15.6322% | 2,532 |
| Total risk-based capital ratio | 16.4632% | 2,628 |
| Memoranda: | ||
| Average total assets | $212,726,600 | 2,732 |
| Average earning assets | $193,952,600 | 2,758 |
| Average equity | $27,756,400 | 2,508 |
| Average total loans | $148,941,000 | 2,634 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 3,643 |
| Cost of funding earning assets | 0.4827% | 4,209 |
| Net interest margin | 3.8201% | 2,528 |
| Noninterest income to average assets | 0.8517% | 1,268 |
| Noninterest expense to average assets | 3.1510% | 1,578 |
| Loan and lease loss provision to assets | 0.0370% | 3,157 |
| Net operating income to assets | 0.8908% | 3,378 |
| Return on assets (ROA) | 0.8908% | 3,457 |
| Pretax return on assets | 1.1966% | 2,991 |
| Return on Equity (ROE) | 6.6574% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.1192% | 2,319 |
| Net charge-offs to loans | -0.0224% | 4,612 |
| Credit loss provision to net charge-offs | -234.7826% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8642% | 1,859 |
| Assets per employee ($millions) | 3.7431% | 4,229 |
| Cash dividends to net income (ytd only)* | 8.0833% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 4,279 |
| Loan loss allowance to noncurrent loans | 96.9767% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 463 |
| Noncurrent loans to loans | 0.8640% | 1,855 |
| Net loans and leases to total assets | 68.4893% | 2,712 |
| Net loans and leases to deposits | 78.3807% | 3,059 |
| Net loans and leases to core deposits | 80.7482% | 3,334 |
| Total domestic deposits to total assets | 87.3803% | 1,321 |
| Equity capital to assets | 12.1541% | 2,148 |
| Core capital (leverage) ratio | 11.2680% | 2,408 |
| Tier 1 risk-based capital ratio | 16.3069% | 2,332 |
| Total risk-based capital ratio | 17.1333% | 2,411 |
| Memoranda: | ||
| Average total assets | $194,427,750 | 2,909 |
| Average earning assets | $179,817,250 | 2,908 |
| Average equity | $26,015,750 | 2,643 |
| Average total loans | $136,689,750 | 2,782 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 2,388 |
| Cost of funding earning assets | 0.4884% | 4,171 |
| Net interest margin | 4.2025% | 1,361 |
| Noninterest income to average assets | 0.9022% | 1,068 |
| Noninterest expense to average assets | 3.3929% | 1,118 |
| Loan and lease loss provision to assets | 0.0441% | 2,941 |
| Net operating income to assets | 1.0039% | 2,910 |
| Return on assets (ROA) | 1.0039% | 2,975 |
| Pretax return on assets | 1.3569% | 2,362 |
| Return on Equity (ROE) | 7.1183% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.5099% | 2,047 |
| Net charge-offs to loans | -0.0328% | 4,712 |
| Credit loss provision to net charge-offs | -189.4737% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7747% | 2,104 |
| Assets per employee ($millions) | 3.8738% | 4,031 |
| Cash dividends to net income (ytd only)* | 8.5470% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,588 |
| Loan loss allowance to noncurrent loans | 173.6287% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 981 |
| Noncurrent loans to loans | 0.8099% | 1,974 |
| Net loans and leases to total assets | 70.9305% | 2,400 |
| Net loans and leases to deposits | 83.2352% | 2,576 |
| Net loans and leases to core deposits | 83.4157% | 3,163 |
| Total domestic deposits to total assets | 85.2170% | 2,381 |
| Equity capital to assets | 14.4014% | 983 |
| Core capital (leverage) ratio | 13.5052% | 1,115 |
| Tier 1 risk-based capital ratio | 18.7301% | 1,614 |
| Total risk-based capital ratio | 19.9821% | 1,578 |
| Memoranda: | ||
| Average total assets | $163,165,000 | 3,220 |
| Average earning assets | $151,099,330 | 3,215 |
| Average equity | $23,011,000 | 2,880 |
| Average total loans | $115,898,000 | 3,031 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 2,309 |
| Cost of funding earning assets | 0.4376% | 4,338 |
| Net interest margin | 4.2359% | 1,226 |
| Noninterest income to average assets | 0.8862% | 1,072 |
| Noninterest expense to average assets | 3.3391% | 1,209 |
| Loan and lease loss provision to assets | 0.0441% | 2,756 |
| Net operating income to assets | 1.0453% | 2,675 |
| Return on assets (ROA) | 1.0453% | 2,717 |
| Pretax return on assets | 1.4125% | 2,041 |
| Return on Equity (ROE) | 7.4909% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.8769% | 2,089 |
| Net charge-offs to loans | -1.0336% | 5,306 |
| Credit loss provision to net charge-offs | -6.0403% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6274% | 2,404 |
| Assets per employee ($millions) | 3.7840% | 4,215 |
| Cash dividends to net income (ytd only)* | 8.1967% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 911 |
| Loan loss allowance to noncurrent loans | 101.1135% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 727 |
| Noncurrent loans to loans | 1.6555% | 941 |
| Net loans and leases to total assets | 68.8435% | 2,644 |
| Net loans and leases to deposits | 80.4467% | 2,790 |
| Net loans and leases to core deposits | 81.2219% | 3,250 |
| Total domestic deposits to total assets | 85.5765% | 2,456 |
| Equity capital to assets | 14.1432% | 989 |
| Core capital (leverage) ratio | 13.0977% | 1,227 |
| Tier 1 risk-based capital ratio | 19.4806% | 1,443 |
| Total risk-based capital ratio | 20.7364% | 1,417 |
| Memoranda: | ||
| Average total assets | $163,397,500 | 3,260 |
| Average earning assets | $150,807,000 | 3,261 |
| Average equity | $22,801,000 | 2,896 |
| Average total loans | $115,322,000 | 3,073 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 2,469 |
| Cost of funding earning assets | 0.3260% | 4,431 |
| Net interest margin | 4.1703% | 1,475 |
| Noninterest income to average assets | 0.9806% | 983 |
| Noninterest expense to average assets | 3.2680% | 1,398 |
| Loan and lease loss provision to assets | 0.0447% | 3,287 |
| Net operating income to assets | 1.1341% | 2,454 |
| Return on assets (ROA) | 1.1341% | 2,457 |
| Pretax return on assets | 1.5231% | 1,702 |
| Return on Equity (ROE) | 8.4125% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.8547% | 1,301 |
| Net charge-offs to loans | -0.0304% | 4,815 |
| Credit loss provision to net charge-offs | -205.7143% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5790% | 2,620 |
| Assets per employee ($millions) | 3.8158% | 4,157 |
| Cash dividends to net income (ytd only)* | 6.6301% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 1,778 |
| Loan loss allowance to noncurrent loans | 83.9135% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 720 |
| Noncurrent loans to loans | 1.6244% | 898 |
| Net loans and leases to total assets | 70.1653% | 2,541 |
| Net loans and leases to deposits | 81.5990% | 2,784 |
| Net loans and leases to core deposits | 82.5225% | 3,223 |
| Total domestic deposits to total assets | 85.9880% | 2,234 |
| Equity capital to assets | 13.7670% | 1,042 |
| Core capital (leverage) ratio | 12.7466% | 1,345 |
| Tier 1 risk-based capital ratio | 18.2619% | 1,672 |
| Total risk-based capital ratio | 19.5140% | 1,628 |
| Memoranda: | ||
| Average total assets | $160,923,000 | 3,265 |
| Average earning assets | $148,765,800 | 3,259 |
| Average equity | $21,694,000 | 2,917 |
| Average total loans | $115,287,600 | 3,053 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 2,424 |
| Cost of funding earning assets | 0.3030% | 4,497 |
| Net interest margin | 4.1600% | 1,467 |
| Noninterest income to average assets | 1.0058% | 949 |
| Noninterest expense to average assets | 3.2813% | 1,337 |
| Loan and lease loss provision to assets | 0.0450% | 3,091 |
| Net operating income to assets | 1.1424% | 2,474 |
| Return on assets (ROA) | 1.1424% | 2,486 |
| Pretax return on assets | 1.5437% | 1,755 |
| Return on Equity (ROE) | 8.5201% | 3,319 |
| Retained earnings to average equity (ytd only) | 8.0109% | 1,651 |
| Net charge-offs to loans | -0.0220% | 4,659 |
| Credit loss provision to net charge-offs | -284.2105% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3790% | 2,648 |
| Assets per employee ($millions) | 3.6134% | 4,419 |
| Cash dividends to net income (ytd only)* | 5.9766% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,084 |
| Loan loss allowance to noncurrent loans | 140.7407% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,291 |
| Noncurrent loans to loans | 0.9253% | 1,842 |
| Net loans and leases to total assets | 72.6175% | 2,228 |
| Net loans and leases to deposits | 84.4314% | 2,544 |
| Net loans and leases to core deposits | 85.3931% | 3,056 |
| Total domestic deposits to total assets | 86.0077% | 2,187 |
| Equity capital to assets | 13.5999% | 1,101 |
| Core capital (leverage) ratio | 12.2710% | 1,636 |
| Tier 1 risk-based capital ratio | 17.3125% | 1,993 |
| Total risk-based capital ratio | 18.5634% | 1,943 |
| Memoranda: | ||
| Average total assets | $160,133,500 | 3,302 |
| Average earning assets | $148,746,500 | 3,288 |
| Average equity | $21,470,250 | 2,953 |
| Average total loans | $114,929,750 | 3,081 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 2,607 |
| Cost of funding earning assets | 0.2772% | 4,576 |
| Net interest margin | 4.0679% | 1,644 |
| Noninterest income to average assets | 0.9717% | 1,010 |
| Noninterest expense to average assets | 3.3206% | 1,271 |
| Loan and lease loss provision to assets | 0.0452% | 3,001 |
| Net operating income to assets | 1.0232% | 2,919 |
| Return on assets (ROA) | 1.0232% | 2,927 |
| Pretax return on assets | 1.3822% | 2,212 |
| Return on Equity (ROE) | 7.6685% | 3,641 |
| Retained earnings to average equity (ytd only) | 7.2263% | 1,964 |
| Net charge-offs to loans | -0.0053% | 4,115 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9365% | 2,325 |
| Assets per employee ($millions) | 3.7650% | 4,258 |
| Cash dividends to net income (ytd only)* | 5.7669% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 1,993 |
| Loan loss allowance to noncurrent loans | 133.3625% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 1,206 |
| Noncurrent loans to loans | 1.0046% | 1,742 |
| Net loans and leases to total assets | 67.7045% | 2,913 |
| Net loans and leases to deposits | 78.1654% | 3,142 |
| Net loans and leases to core deposits | 79.8767% | 3,429 |
| Total domestic deposits to total assets | 86.6170% | 2,010 |
| Equity capital to assets | 13.0456% | 1,274 |
| Core capital (leverage) ratio | 11.9729% | 1,728 |
| Tier 1 risk-based capital ratio | 17.9613% | 1,809 |
| Total risk-based capital ratio | 19.2129% | 1,778 |
| Memoranda: | ||
| Average total assets | $159,310,000 | 3,328 |
| Average earning assets | $147,888,330 | 3,317 |
| Average equity | $21,255,670 | 2,994 |
| Average total loans | $113,360,670 | 3,119 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,440 |
| Cost of funding earning assets | 0.2322% | 4,820 |
| Net interest margin | 4.0918% | 1,461 |
| Noninterest income to average assets | 0.8224% | 1,386 |
| Noninterest expense to average assets | 3.3484% | 1,254 |
| Loan and lease loss provision to assets | 0.0461% | 2,843 |
| Net operating income to assets | 0.9018% | 3,284 |
| Return on assets (ROA) | 0.9018% | 3,287 |
| Pretax return on assets | 1.2194% | 2,679 |
| Return on Equity (ROE) | 6.6800% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.2625% | 2,600 |
| Net charge-offs to loans | -0.0883% | 5,161 |
| Credit loss provision to net charge-offs | -72.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5708% | 2,109 |
| Assets per employee ($millions) | 3.6469% | 4,473 |
| Cash dividends to net income (ytd only)* | 6.2500% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,220 |
| Loan loss allowance to noncurrent loans | 103.1757% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 1,190 |
| Noncurrent loans to loans | 1.2662% | 1,422 |
| Net loans and leases to total assets | 71.8917% | 2,188 |
| Net loans and leases to deposits | 83.0832% | 2,492 |
| Net loans and leases to core deposits | 84.8049% | 2,910 |
| Total domestic deposits to total assets | 86.5298% | 2,303 |
| Equity capital to assets | 13.2129% | 1,154 |
| Core capital (leverage) ratio | 12.1354% | 1,566 |
| Tier 1 risk-based capital ratio | 16.7748% | 2,189 |
| Total risk-based capital ratio | 18.0258% | 2,134 |
| Memoranda: | ||
| Average total assets | $156,136,000 | 3,403 |
| Average earning assets | $144,681,000 | 3,398 |
| Average equity | $21,078,000 | 3,038 |
| Average total loans | $113,200,500 | 3,140 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,916 |
| Cost of funding earning assets | 0.1744% | 5,126 |
| Net interest margin | 3.9649% | 1,863 |
| Noninterest income to average assets | 0.8330% | 1,454 |
| Noninterest expense to average assets | 3.1403% | 1,747 |
| Loan and lease loss provision to assets | 0.0479% | 3,266 |
| Net operating income to assets | 0.1079% | 5,250 |
| Return on assets (ROA) | 0.1079% | 5,253 |
| Pretax return on assets | 1.2785% | 2,440 |
| Return on Equity (ROE) | 0.7607% | 5,274 |
| Retained earnings to average equity (ytd only) | 0.3616% | 4,882 |
| Net charge-offs to loans | -0.1456% | 5,459 |
| Credit loss provision to net charge-offs | -47.3684% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3041% | 2,503 |
| Assets per employee ($millions) | 3.5304% | 4,662 |
| Cash dividends to net income (ytd only)* | 52.4691% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 1,950 |
| Loan loss allowance to noncurrent loans | 99.2642% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3438% | 1,068 |
| Noncurrent loans to loans | 1.3651% | 1,274 |
| Net loans and leases to total assets | 71.1621% | 2,358 |
| Net loans and leases to deposits | 82.8005% | 2,632 |
| Net loans and leases to core deposits | 83.6449% | 3,087 |
| Total domestic deposits to total assets | 85.9440% | 2,465 |
| Equity capital to assets | 13.8031% | 960 |
| Core capital (leverage) ratio | 12.2802% | 1,459 |
| Tier 1 risk-based capital ratio | 17.0163% | 2,086 |
| Total risk-based capital ratio | 18.2738% | 2,035 |
| Memoranda: | ||
| Average total assets | $150,178,800 | 3,469 |
| Average earning assets | $137,633,000 | 3,482 |
| Average equity | $21,295,200 | 3,012 |
| Average total loans | $104,423,000 | 3,275 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 3,069 |
| Cost of funding earning assets | 0.1732% | 5,175 |
| Net interest margin | 3.9026% | 2,035 |
| Noninterest income to average assets | 0.8324% | 1,469 |
| Noninterest expense to average assets | 3.1069% | 1,780 |
| Loan and lease loss provision to assets | 0.0481% | 3,141 |
| Net operating income to assets | 0.7745% | 3,627 |
| Return on assets (ROA) | 0.7745% | 3,677 |
| Pretax return on assets | 1.2490% | 2,711 |
| Return on Equity (ROE) | 5.4254% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.0512% | 2,858 |
| Net charge-offs to loans | -0.1086% | 5,399 |
| Credit loss provision to net charge-offs | -64.2857% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5478% | 2,444 |
| Assets per employee ($millions) | 3.2955% | 4,977 |
| Cash dividends to net income (ytd only)* | 6.8967% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,436 |
| Loan loss allowance to noncurrent loans | 92.5215% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 1,087 |
| Noncurrent loans to loans | 1.3886% | 1,348 |
| Net loans and leases to total assets | 72.4314% | 2,196 |
| Net loans and leases to deposits | 85.2622% | 2,400 |
| Net loans and leases to core deposits | 86.1615% | 2,949 |
| Total domestic deposits to total assets | 84.9513% | 2,733 |
| Equity capital to assets | 14.6805% | 811 |
| Core capital (leverage) ratio | 12.1008% | 1,625 |
| Tier 1 risk-based capital ratio | 16.6166% | 2,279 |
| Total risk-based capital ratio | 17.8766% | 2,231 |
| Memoranda: | ||
| Average total assets | $149,771,750 | 3,506 |
| Average earning assets | $137,066,000 | 3,521 |
| Average equity | $21,380,500 | 3,033 |
| Average total loans | $103,150,500 | 3,329 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,174 |
| Cost of funding earning assets | 0.1717% | 5,192 |
| Net interest margin | 3.8377% | 2,142 |
| Noninterest income to average assets | 0.8226% | 1,490 |
| Noninterest expense to average assets | 2.9934% | 2,131 |
| Loan and lease loss provision to assets | 0.0479% | 3,034 |
| Net operating income to assets | 0.7973% | 3,414 |
| Return on assets (ROA) | 0.7973% | 3,470 |
| Pretax return on assets | 1.2911% | 2,420 |
| Return on Equity (ROE) | 5.6376% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.2611% | 2,544 |
| Net charge-offs to loans | -0.1007% | 5,413 |
| Credit loss provision to net charge-offs | -70.5882% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0937% | 2,830 |
| Assets per employee ($millions) | 3.3659% | 4,901 |
| Cash dividends to net income (ytd only)* | 6.6778% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,506 |
| Loan loss allowance to noncurrent loans | 86.0153% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4300% | 1,096 |
| Noncurrent loans to loans | 1.4889% | 1,263 |
| Net loans and leases to total assets | 68.5502% | 2,733 |
| Net loans and leases to deposits | 80.2546% | 2,881 |
| Net loans and leases to core deposits | 81.3965% | 3,305 |
| Total domestic deposits to total assets | 85.4160% | 2,640 |
| Equity capital to assets | 14.2249% | 895 |
| Core capital (leverage) ratio | 11.8800% | 1,709 |
| Tier 1 risk-based capital ratio | 16.8785% | 2,184 |
| Total risk-based capital ratio | 18.1394% | 2,144 |
| Memoranda: | ||
| Average total assets | $150,262,670 | 3,516 |
| Average earning assets | $137,426,330 | 3,534 |
| Average equity | $21,250,330 | 3,047 |
| Average total loans | $101,263,000 | 3,372 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,289 |
| Cost of funding earning assets | 0.1756% | 5,189 |
| Net interest margin | 3.7528% | 2,292 |
| Noninterest income to average assets | 0.7297% | 1,832 |
| Noninterest expense to average assets | 2.9213% | 2,394 |
| Loan and lease loss provision to assets | 0.0481% | 2,853 |
| Net operating income to assets | 0.7243% | 3,598 |
| Return on assets (ROA) | 0.7243% | 3,648 |
| Pretax return on assets | 1.1867% | 2,643 |
| Return on Equity (ROE) | 5.1368% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.7577% | 3,033 |
| Net charge-offs to loans | -0.0967% | 5,441 |
| Credit loss provision to net charge-offs | -75.0000% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2894% | 2,840 |
| Assets per employee ($millions) | 3.7483% | 4,420 |
| Cash dividends to net income (ytd only)* | 7.3801% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 2,546 |
| Loan loss allowance to noncurrent loans | 83.8918% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.4353% | 1,150 |
| Noncurrent loans to loans | 1.5474% | 1,271 |
| Net loans and leases to total assets | 66.0288% | 2,964 |
| Net loans and leases to deposits | 77.1961% | 3,057 |
| Net loans and leases to core deposits | 78.6158% | 3,428 |
| Total domestic deposits to total assets | 85.5339% | 2,874 |
| Equity capital to assets | 14.1559% | 859 |
| Core capital (leverage) ratio | 11.6380% | 1,858 |
| Tier 1 risk-based capital ratio | 17.1300% | 2,137 |
| Total risk-based capital ratio | 18.3921% | 2,089 |
| Memoranda: | ||
| Average total assets | $149,660,500 | 3,556 |
| Average earning assets | $136,644,500 | 3,581 |
| Average equity | $21,102,500 | 3,076 |
| Average total loans | $99,305,500 | 3,430 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 2,628 |
| Cost of funding earning assets | 0.1886% | 5,122 |
| Net interest margin | 3.9708% | 1,727 |
| Noninterest income to average assets | 0.9453% | 1,278 |
| Noninterest expense to average assets | 3.1042% | 2,023 |
| Loan and lease loss provision to assets | -0.2930% | 5,841 |
| Net operating income to assets | 1.0734% | 2,023 |
| Return on assets (ROA) | 1.0747% | 2,115 |
| Pretax return on assets | 1.6948% | 1,013 |
| Return on Equity (ROE) | 7.7847% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.7847% | 926 |
| Net charge-offs to loans | -0.0774% | 5,513 |
| Credit loss provision to net charge-offs | 563.1579% | 599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9210% | 3,088 |
| Assets per employee ($millions) | 3.9313% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,647 |
| Loan loss allowance to noncurrent loans | 80.3059% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.7565% | 858 |
| Noncurrent loans to loans | 1.5959% | 1,237 |
| Net loans and leases to total assets | 64.9651% | 3,222 |
| Net loans and leases to deposits | 75.8782% | 3,327 |
| Net loans and leases to core deposits | 77.2756% | 3,628 |
| Total domestic deposits to total assets | 85.6176% | 2,769 |
| Equity capital to assets | 14.0444% | 876 |
| Core capital (leverage) ratio | 11.3063% | 2,078 |
| Tier 1 risk-based capital ratio | 17.2300% | 2,080 |
| Total risk-based capital ratio | 18.5047% | 2,031 |
| Memoranda: | ||
| Average total assets | $146,090,800 | 3,577 |
| Average earning assets | $130,931,400 | 3,636 |
| Average equity | $20,167,800 | 3,154 |
| Average total loans | $98,188,800 | 3,421 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 2,393 |
| Cost of funding earning assets | 0.1914% | 5,162 |
| Net interest margin | 4.0440% | 1,546 |
| Noninterest income to average assets | 0.9454% | 1,262 |
| Noninterest expense to average assets | 3.1675% | 1,860 |
| Loan and lease loss provision to assets | 0.0496% | 3,251 |
| Net operating income to assets | 0.8234% | 3,266 |
| Return on assets (ROA) | 0.8251% | 3,385 |
| Pretax return on assets | 1.3373% | 2,282 |
| Return on Equity (ROE) | 6.0039% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.0039% | 2,184 |
| Net charge-offs to loans | -0.1060% | 5,589 |
| Credit loss provision to net charge-offs | -69.2308% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5906% | 2,951 |
| Assets per employee ($millions) | 3.8753% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,141 |
| Loan loss allowance to noncurrent loans | 108.3230% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.3509% | 600 |
| Noncurrent loans to loans | 1.5983% | 1,349 |
| Net loans and leases to total assets | 67.2208% | 2,917 |
| Net loans and leases to deposits | 78.5510% | 3,127 |
| Net loans and leases to core deposits | 80.0184% | 3,442 |
| Total domestic deposits to total assets | 85.5760% | 2,567 |
| Equity capital to assets | 13.9093% | 1,074 |
| Core capital (leverage) ratio | 10.7004% | 2,789 |
| Tier 1 risk-based capital ratio | 15.5545% | 2,806 |
| Total risk-based capital ratio | 16.8360% | 2,734 |
| Memoranda: | ||
| Average total assets | $145,265,750 | 3,602 |
| Average earning assets | $129,538,500 | 3,676 |
| Average equity | $19,964,500 | 3,195 |
| Average total loans | $98,158,000 | 3,424 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,402 |
| Cost of funding earning assets | 0.1931% | 5,208 |
| Net interest margin | 4.0381% | 1,528 |
| Noninterest income to average assets | 1.0069% | 1,101 |
| Noninterest expense to average assets | 3.2199% | 1,762 |
| Loan and lease loss provision to assets | 0.0498% | 3,156 |
| Net operating income to assets | 0.8148% | 3,243 |
| Return on assets (ROA) | 0.8174% | 3,366 |
| Pretax return on assets | 1.3278% | 2,295 |
| Return on Equity (ROE) | 5.9722% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.9722% | 2,129 |
| Net charge-offs to loans | -0.1028% | 5,634 |
| Credit loss provision to net charge-offs | -72.0000% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0994% | 2,968 |
| Assets per employee ($millions) | 3.8641% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 1,228 |
| Loan loss allowance to noncurrent loans | 105.9264% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.4422% | 580 |
| Noncurrent loans to loans | 1.6264% | 1,314 |
| Net loans and leases to total assets | 65.9663% | 3,089 |
| Net loans and leases to deposits | 76.8870% | 3,282 |
| Net loans and leases to core deposits | 78.0071% | 3,641 |
| Total domestic deposits to total assets | 85.7965% | 2,524 |
| Equity capital to assets | 13.7356% | 1,126 |
| Core capital (leverage) ratio | 10.5848% | 2,866 |
| Tier 1 risk-based capital ratio | 15.2296% | 2,970 |
| Total risk-based capital ratio | 16.5121% | 2,889 |
| Memoranda: | ||
| Average total assets | $144,600,670 | 3,635 |
| Average earning assets | $128,426,000 | 3,718 |
| Average equity | $19,791,670 | 3,221 |
| Average total loans | $97,299,330 | 3,453 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,404 |
| Cost of funding earning assets | 0.1951% | 5,249 |
| Net interest margin | 4.0240% | 1,546 |
| Noninterest income to average assets | 1.0817% | 925 |
| Noninterest expense to average assets | 3.2757% | 1,658 |
| Loan and lease loss provision to assets | 0.0502% | 2,919 |
| Net operating income to assets | 0.8087% | 3,194 |
| Return on assets (ROA) | 0.8140% | 3,298 |
| Pretax return on assets | 1.3298% | 2,183 |
| Return on Equity (ROE) | 5.9583% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.9583% | 2,389 |
| Net charge-offs to loans | -0.1034% | 5,649 |
| Credit loss provision to net charge-offs | -72.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4859% | 3,042 |
| Assets per employee ($millions) | 3.6149% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 1,336 |
| Loan loss allowance to noncurrent loans | 87.5661% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.8798% | 454 |
| Noncurrent loans to loans | 1.9521% | 1,108 |
| Net loans and leases to total assets | 65.8128% | 2,979 |
| Net loans and leases to deposits | 76.7157% | 3,139 |
| Net loans and leases to core deposits | 77.8498% | 3,505 |
| Total domestic deposits to total assets | 85.7879% | 2,769 |
| Equity capital to assets | 13.7232% | 1,079 |
| Core capital (leverage) ratio | 10.5963% | 2,854 |
| Tier 1 risk-based capital ratio | 14.1304% | 3,607 |
| Total risk-based capital ratio | 15.3852% | 3,530 |
| Memoranda: | ||
| Average total assets | $143,482,500 | 3,676 |
| Average earning assets | $127,138,000 | 3,764 |
| Average equity | $19,603,000 | 3,243 |
| Average total loans | $96,668,500 | 3,480 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 2,982 |
| Cost of funding earning assets | 0.2460% | 4,823 |
| Net interest margin | 3.8379% | 2,243 |
| Noninterest income to average assets | 0.8192% | 1,709 |
| Noninterest expense to average assets | 3.5132% | 1,271 |
| Loan and lease loss provision to assets | 0.0529% | 3,254 |
| Net operating income to assets | 4.4602% | 51 |
| Return on assets (ROA) | 4.4749% | 52 |
| Pretax return on assets | 0.7413% | 4,398 |
| Return on Equity (ROE) | 41.2513% | 23 |
| Retained earnings to average equity (ytd only) | 41.2513% | 11 |
| Net charge-offs to loans | -0.0882% | 5,740 |
| Credit loss provision to net charge-offs | -94.7368% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8415% | 1,430 |
| Assets per employee ($millions) | 3.4724% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,417 |
| Loan loss allowance to noncurrent loans | 93.7755% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.8517% | 480 |
| Noncurrent loans to loans | 1.7810% | 1,240 |
| Net loans and leases to total assets | 66.6629% | 2,889 |
| Net loans and leases to deposits | 77.5012% | 3,102 |
| Net loans and leases to core deposits | 78.6613% | 3,479 |
| Total domestic deposits to total assets | 86.0153% | 2,634 |
| Equity capital to assets | 13.6005% | 1,089 |
| Core capital (leverage) ratio | 10.3294% | 3,128 |
| Tier 1 risk-based capital ratio | 13.6275% | 3,931 |
| Total risk-based capital ratio | 14.8818% | 3,859 |
| Memoranda: | ||
| Average total assets | $136,116,000 | 3,784 |
| Average earning assets | $123,192,000 | 3,814 |
| Average equity | $14,765,600 | 3,871 |
| Average total loans | $86,135,000 | 3,669 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,129 |
| Cost of funding earning assets | 0.2563% | 4,803 |
| Net interest margin | 3.7938% | 2,410 |
| Noninterest income to average assets | 0.9126% | 1,417 |
| Noninterest expense to average assets | 3.5524% | 1,197 |
| Loan and lease loss provision to assets | 0.0535% | 3,127 |
| Net operating income to assets | 0.7541% | 3,662 |
| Return on assets (ROA) | 0.7739% | 3,652 |
| Pretax return on assets | 0.7739% | 4,408 |
| Return on Equity (ROE) | 7.6476% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.6476% | 1,395 |
| Net charge-offs to loans | -0.0559% | 5,581 |
| Credit loss provision to net charge-offs | -154.2857% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4773% | 1,470 |
| Assets per employee ($millions) | 3.2627% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 1,480 |
| Loan loss allowance to noncurrent loans | 89.2016% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 3.1094% | 473 |
| Noncurrent loans to loans | 1.9004% | 1,220 |
| Net loans and leases to total assets | 65.7216% | 3,057 |
| Net loans and leases to deposits | 73.7274% | 3,571 |
| Net loans and leases to core deposits | 74.5236% | 3,961 |
| Total domestic deposits to total assets | 89.1414% | 953 |
| Equity capital to assets | 10.3463% | 3,761 |
| Core capital (leverage) ratio | 10.0084% | 3,616 |
| Tier 1 risk-based capital ratio | 14.1658% | 3,751 |
| Total risk-based capital ratio | 15.4230% | 3,681 |
| Memoranda: | ||
| Average total assets | $134,552,500 | 3,852 |
| Average earning assets | $122,265,750 | 3,876 |
| Average equity | $13,616,250 | 4,078 |
| Average total loans | $83,538,750 | 3,767 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,396 |
| Cost of funding earning assets | 0.2625% | 4,806 |
| Net interest margin | 3.7111% | 2,665 |
| Noninterest income to average assets | 0.8091% | 1,737 |
| Noninterest expense to average assets | 3.5266% | 1,257 |
| Loan and lease loss provision to assets | 0.0538% | 3,039 |
| Net operating income to assets | 0.6117% | 4,284 |
| Return on assets (ROA) | 0.6416% | 4,272 |
| Pretax return on assets | 0.6416% | 4,854 |
| Return on Equity (ROE) | 6.3892% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.3892% | 2,012 |
| Net charge-offs to loans | -0.2029% | 6,028 |
| Credit loss provision to net charge-offs | -43.9024% | 4,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1242% | 1,251 |
| Assets per employee ($millions) | 3.2028% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 1,423 |
| Loan loss allowance to noncurrent loans | 78.7849% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 3.5078% | 411 |
| Noncurrent loans to loans | 2.2510% | 1,056 |
| Net loans and leases to total assets | 63.6236% | 3,320 |
| Net loans and leases to deposits | 70.9883% | 3,825 |
| Net loans and leases to core deposits | 72.0418% | 4,130 |
| Total domestic deposits to total assets | 89.6254% | 828 |
| Equity capital to assets | 9.9063% | 4,146 |
| Core capital (leverage) ratio | 9.8637% | 3,782 |
| Tier 1 risk-based capital ratio | 14.2064% | 3,811 |
| Total risk-based capital ratio | 15.4643% | 3,735 |
| Memoranda: | ||
| Average total assets | $133,725,330 | 3,896 |
| Average earning assets | $121,904,000 | 3,913 |
| Average equity | $13,429,000 | 4,133 |
| Average total loans | $80,847,000 | 3,850 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 3,949 |
| Cost of funding earning assets | 0.2773% | 4,699 |
| Net interest margin | 3.5382% | 3,271 |
| Noninterest income to average assets | 0.8381% | 1,578 |
| Noninterest expense to average assets | 3.6469% | 1,073 |
| Loan and lease loss provision to assets | 0.0547% | 2,839 |
| Net operating income to assets | 0.3522% | 5,245 |
| Return on assets (ROA) | 0.3948% | 5,197 |
| Pretax return on assets | 0.3948% | 5,442 |
| Return on Equity (ROE) | 3.9033% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.9033% | 3,661 |
| Net charge-offs to loans | -0.0835% | 5,773 |
| Credit loss provision to net charge-offs | -112.5000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9625% | 849 |
| Assets per employee ($millions) | 3.1244% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 1,253 |
| Loan loss allowance to noncurrent loans | 74.8626% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 4.0179% | 373 |
| Noncurrent loans to loans | 2.5574% | 944 |
| Net loans and leases to total assets | 57.1247% | 4,073 |
| Net loans and leases to deposits | 63.8547% | 4,384 |
| Net loans and leases to core deposits | 64.8464% | 4,619 |
| Total domestic deposits to total assets | 89.4604% | 1,013 |
| Equity capital to assets | 10.0878% | 4,034 |
| Core capital (leverage) ratio | 10.1138% | 3,450 |
| Tier 1 risk-based capital ratio | 15.8018% | 3,016 |
| Total risk-based capital ratio | 17.0578% | 2,948 |
| Memoranda: | ||
| Average total assets | $131,727,500 | 3,961 |
| Average earning assets | $119,723,000 | 3,981 |
| Average equity | $13,322,000 | 4,183 |
| Average total loans | $76,668,000 | 3,998 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4730% | 1,978 |
| Cost of funding earning assets | 0.2691% | 5,111 |
| Net interest margin | 4.2039% | 1,289 |
| Noninterest income to average assets | 0.6713% | 2,445 |
| Noninterest expense to average assets | 3.9031% | 851 |
| Loan and lease loss provision to assets | -0.2208% | 6,307 |
| Net operating income to assets | 1.0262% | 2,279 |
| Return on assets (ROA) | 1.0302% | 2,338 |
| Pretax return on assets | 0.7692% | 4,370 |
| Return on Equity (ROE) | 11.5450% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.5450% | 332 |
| Net charge-offs to loans | -0.2659% | 6,316 |
| Credit loss provision to net charge-offs | 146.2766% | 1,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7595% | 1,012 |
| Assets per employee ($millions) | 3.0739% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 1,202 |
| Loan loss allowance to noncurrent loans | 68.6679% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 4.4778% | 348 |
| Noncurrent loans to loans | 2.8392% | 818 |
| Net loans and leases to total assets | 57.0288% | 4,188 |
| Net loans and leases to deposits | 63.7204% | 4,553 |
| Net loans and leases to core deposits | 64.7492% | 4,775 |
| Total domestic deposits to total assets | 89.4985% | 976 |
| Equity capital to assets | 10.1398% | 3,933 |
| Core capital (leverage) ratio | 10.0794% | 3,462 |
| Tier 1 risk-based capital ratio | 16.3403% | 2,793 |
| Total risk-based capital ratio | 17.5970% | 2,733 |
| Memoranda: | ||
| Average total assets | $124,542,600 | 4,090 |
| Average earning assets | $111,871,000 | 4,136 |
| Average equity | $11,113,000 | 4,542 |
| Average total loans | $70,691,600 | 4,160 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,578 |
| Cost of funding earning assets | 0.2641% | 5,265 |
| Net interest margin | 4.3297% | 989 |
| Noninterest income to average assets | 1.2760% | 748 |
| Noninterest expense to average assets | 3.9285% | 812 |
| Loan and lease loss provision to assets | 0.2777% | 742 |
| Net operating income to assets | 0.9497% | 2,683 |
| Return on assets (ROA) | 0.9551% | 2,741 |
| Pretax return on assets | 0.9551% | 3,775 |
| Return on Equity (ROE) | 11.0999% | 1,754 |
| Retained earnings to average equity (ytd only) | 11.0999% | 499 |
| Net charge-offs to loans | -0.2989% | 6,389 |
| Credit loss provision to net charge-offs | -164.7436% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1945% | 2,462 |
| Assets per employee ($millions) | 2.8799% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7507% | 465 |
| Loan loss allowance to noncurrent loans | 101.5512% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 5.1358% | 320 |
| Noncurrent loans to loans | 2.7087% | 1,046 |
| Net loans and leases to total assets | 56.0697% | 4,325 |
| Net loans and leases to deposits | 62.7797% | 4,669 |
| Net loans and leases to core deposits | 63.5206% | 4,925 |
| Total domestic deposits to total assets | 89.3118% | 1,070 |
| Equity capital to assets | 10.2336% | 3,884 |
| Core capital (leverage) ratio | 10.3622% | 3,197 |
| Tier 1 risk-based capital ratio | 16.9022% | 2,649 |
| Total risk-based capital ratio | 18.1673% | 2,597 |
| Memoranda: | ||
| Average total assets | $123,402,000 | 4,147 |
| Average earning assets | $110,581,250 | 4,202 |
| Average equity | $10,618,500 | 4,666 |
| Average total loans | $69,591,750 | 4,234 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,513 |
| Cost of funding earning assets | 0.2608% | 5,379 |
| Net interest margin | 4.3468% | 940 |
| Noninterest income to average assets | 1.3695% | 643 |
| Noninterest expense to average assets | 3.8911% | 860 |
| Loan and lease loss provision to assets | 0.3408% | 535 |
| Net operating income to assets | 1.0320% | 2,196 |
| Return on assets (ROA) | 1.0401% | 2,229 |
| Pretax return on assets | 1.0401% | 3,321 |
| Return on Equity (ROE) | 12.9056% | 1,202 |
| Retained earnings to average equity (ytd only) | 12.9056% | 343 |
| Net charge-offs to loans | -0.4146% | 6,490 |
| Credit loss provision to net charge-offs | -146.8531% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9211% | 2,984 |
| Assets per employee ($millions) | 2.8858% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8028% | 473 |
| Loan loss allowance to noncurrent loans | 69.4131% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 6.0844% | 241 |
| Noncurrent loans to loans | 4.0379% | 585 |
| Net loans and leases to total assets | 53.2106% | 4,624 |
| Net loans and leases to deposits | 58.4344% | 5,000 |
| Net loans and leases to core deposits | 58.9762% | 5,207 |
| Total domestic deposits to total assets | 91.0604% | 395 |
| Equity capital to assets | 8.5778% | 5,734 |
| Core capital (leverage) ratio | 8.8341% | 5,243 |
| Tier 1 risk-based capital ratio | 15.1732% | 3,542 |
| Total risk-based capital ratio | 16.4398% | 3,476 |
| Memoranda: | ||
| Average total assets | $123,257,000 | 4,177 |
| Average earning assets | $110,427,000 | 4,235 |
| Average equity | $9,933,670 | 4,819 |
| Average total loans | $68,989,330 | 4,270 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 3,942 |
| Cost of funding earning assets | 0.2556% | 5,532 |
| Net interest margin | 3.6810% | 2,947 |
| Noninterest income to average assets | 1.4555% | 555 |
| Noninterest expense to average assets | 4.3894% | 505 |
| Loan and lease loss provision to assets | 0.3419% | 523 |
| Net operating income to assets | 0.0065% | 6,204 |
| Return on assets (ROA) | 0.0228% | 6,198 |
| Pretax return on assets | 0.0228% | 6,191 |
| Return on Equity (ROE) | 0.2923% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.2923% | 5,456 |
| Net charge-offs to loans | 0.0748% | 2,399 |
| Credit loss provision to net charge-offs | 807.6923% | 368 |
| Earnings coverage of net charge-offs (x) | 8.2308% | 2,046 |
| Efficiency ratio | 92.6460% | 834 |
| Assets per employee ($millions) | 2.9093% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3663% | 947 |
| Loan loss allowance to noncurrent loans | 33.2322% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 8.4012% | 152 |
| Noncurrent loans to loans | 7.1204% | 213 |
| Net loans and leases to total assets | 54.1890% | 4,387 |
| Net loans and leases to deposits | 58.9887% | 4,842 |
| Net loans and leases to core deposits | 59.5452% | 5,079 |
| Total domestic deposits to total assets | 91.8634% | 284 |
| Equity capital to assets | 7.7977% | 6,174 |
| Core capital (leverage) ratio | 8.4689% | 5,679 |
| Tier 1 risk-based capital ratio | 13.7829% | 4,480 |
| Total risk-based capital ratio | 15.0429% | 4,430 |
| Memoranda: | ||
| Average total assets | $122,841,500 | 4,216 |
| Average earning assets | $109,535,500 | 4,286 |
| Average equity | $9,578,500 | 4,915 |
| Average total loans | $69,518,000 | 4,274 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 4,591 |
| Cost of funding earning assets | 0.3000% | 5,597 |
| Net interest margin | 3.5660% | 3,615 |
| Noninterest income to average assets | 0.8963% | 1,689 |
| Noninterest expense to average assets | 4.5531% | 505 |
| Loan and lease loss provision to assets | 0.3273% | 994 |
| Net operating income to assets | -0.8339% | 6,576 |
| Return on assets (ROA) | -0.8355% | 6,574 |
| Pretax return on assets | -0.8355% | 6,564 |
| Return on Equity (ROE) | -10.1582% | 6,587 |
| Retained earnings to average equity (ytd only) | -10.1582% | 6,538 |
| Net charge-offs to loans | 0.3392% | 1,979 |
| Credit loss provision to net charge-offs | 184.2105% | 1,244 |
| Earnings coverage of net charge-offs (x) | -2.8509% | 5,350 |
| Efficiency ratio | 112.5193% | 238 |
| Assets per employee ($millions) | 2.6213% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2284% | 1,138 |
| Loan loss allowance to noncurrent loans | 30.9828% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 8.8206% | 158 |
| Noncurrent loans to loans | 7.1923% | 227 |
| Net loans and leases to total assets | 56.4355% | 4,254 |
| Net loans and leases to deposits | 61.4079% | 4,786 |
| Net loans and leases to core deposits | 62.2750% | 5,035 |
| Total domestic deposits to total assets | 91.9026% | 301 |
| Equity capital to assets | 7.7972% | 6,137 |
| Core capital (leverage) ratio | 8.3537% | 5,822 |
| Tier 1 risk-based capital ratio | 13.7231% | 4,505 |
| Total risk-based capital ratio | 14.9828% | 4,439 |
| Memoranda: | ||
| Average total assets | $128,308,600 | 4,105 |
| Average earning assets | $113,348,200 | 4,195 |
| Average equity | $10,553,000 | 4,735 |
| Average total loans | $67,216,200 | 4,368 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,820 |
| Cost of funding earning assets | 0.3120% | 5,627 |
| Net interest margin | 3.4978% | 3,894 |
| Noninterest income to average assets | 0.8681% | 1,863 |
| Noninterest expense to average assets | 4.6016% | 470 |
| Loan and lease loss provision to assets | 0.3225% | 1,037 |
| Net operating income to assets | -0.9684% | 6,704 |
| Return on assets (ROA) | -0.9674% | 6,705 |
| Pretax return on assets | -0.9674% | 6,691 |
| Return on Equity (ROE) | -11.6225% | 6,708 |
| Retained earnings to average equity (ytd only) | -11.6225% | 6,667 |
| Net charge-offs to loans | 0.5123% | 1,255 |
| Credit loss provision to net charge-offs | 123.0469% | 1,908 |
| Earnings coverage of net charge-offs (x) | -2.4649% | 5,094 |
| Efficiency ratio | 116.3302% | 203 |
| Assets per employee ($millions) | 2.1374% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,482 |
| Loan loss allowance to noncurrent loans | 28.8622% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 8.4753% | 202 |
| Noncurrent loans to loans | 7.3060% | 271 |
| Net loans and leases to total assets | 53.0991% | 4,735 |
| Net loans and leases to deposits | 57.8550% | 5,207 |
| Net loans and leases to core deposits | 58.7839% | 5,381 |
| Total domestic deposits to total assets | 91.7796% | 292 |
| Equity capital to assets | 7.8292% | 6,244 |
| Core capital (leverage) ratio | 8.2751% | 5,996 |
| Tier 1 risk-based capital ratio | 13.8240% | 4,555 |
| Total risk-based capital ratio | 15.0812% | 4,502 |
| Memoranda: | ||
| Average total assets | $130,240,250 | 4,109 |
| Average earning assets | $114,963,000 | 4,206 |
| Average equity | $10,840,750 | 4,722 |
| Average total loans | $66,619,750 | 4,427 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 5,073 |
| Cost of funding earning assets | 0.3198% | 5,665 |
| Net interest margin | 3.4031% | 4,178 |
| Noninterest income to average assets | 0.8796% | 1,890 |
| Noninterest expense to average assets | 4.6052% | 483 |
| Loan and lease loss provision to assets | 0.3174% | 1,110 |
| Net operating income to assets | -1.0353% | 6,760 |
| Return on assets (ROA) | -1.0338% | 6,764 |
| Pretax return on assets | -1.0338% | 6,742 |
| Return on Equity (ROE) | -12.1936% | 6,774 |
| Retained earnings to average equity (ytd only) | -12.1936% | 6,715 |
| Net charge-offs to loans | 0.3945% | 1,635 |
| Credit loss provision to net charge-offs | 160.3053% | 1,452 |
| Earnings coverage of net charge-offs (x) | -3.6260% | 4,806 |
| Efficiency ratio | 118.4681% | 195 |
| Assets per employee ($millions) | 2.3210% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 1,631 |
| Loan loss allowance to noncurrent loans | 25.1927% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 8.9724% | 188 |
| Noncurrent loans to loans | 8.3444% | 232 |
| Net loans and leases to total assets | 51.5226% | 4,925 |
| Net loans and leases to deposits | 56.1286% | 5,325 |
| Net loans and leases to core deposits | 57.2167% | 5,506 |
| Total domestic deposits to total assets | 91.7939% | 296 |
| Equity capital to assets | 7.8645% | 6,287 |
| Core capital (leverage) ratio | 8.2895% | 5,895 |
| Tier 1 risk-based capital ratio | 14.0194% | 4,411 |
| Total risk-based capital ratio | 15.2728% | 4,373 |
| Memoranda: | ||
| Average total assets | $132,329,670 | 4,091 |
| Average earning assets | $116,953,330 | 4,176 |
| Average equity | $11,219,000 | 4,679 |
| Average total loans | $66,411,000 | 4,448 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 5,106 |
| Cost of funding earning assets | 0.3456% | 5,584 |
| Net interest margin | 3.3708% | 4,233 |
| Noninterest income to average assets | 0.9288% | 1,663 |
| Noninterest expense to average assets | 4.5481% | 513 |
| Loan and lease loss provision to assets | 0.3146% | 1,081 |
| Net operating income to assets | -0.9528% | 6,797 |
| Return on assets (ROA) | -0.9528% | 6,809 |
| Pretax return on assets | -0.9528% | 6,795 |
| Return on Equity (ROE) | -10.8556% | 6,821 |
| Retained earnings to average equity (ytd only) | -10.8556% | 6,647 |
| Net charge-offs to loans | 0.5259% | 1,146 |
| Credit loss provision to net charge-offs | 122.0930% | 1,580 |
| Earnings coverage of net charge-offs (x) | -2.4767% | 4,039 |
| Efficiency ratio | 116.3218% | 247 |
| Assets per employee ($millions) | 2.3942% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0853% | 1,829 |
| Loan loss allowance to noncurrent loans | 21.6123% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 8.8852% | 259 |
| Noncurrent loans to loans | 9.6488% | 226 |
| Net loans and leases to total assets | 49.1369% | 5,095 |
| Net loans and leases to deposits | 54.1063% | 5,426 |
| Net loans and leases to core deposits | 55.0434% | 5,598 |
| Total domestic deposits to total assets | 90.8155% | 603 |
| Equity capital to assets | 8.7569% | 5,752 |
| Core capital (leverage) ratio | 8.4218% | 5,678 |
| Tier 1 risk-based capital ratio | 15.0912% | 3,776 |
| Total risk-based capital ratio | 16.3491% | 3,729 |
| Memoranda: | ||
| Average total assets | $133,506,500 | 4,112 |
| Average earning assets | $118,071,500 | 4,195 |
| Average equity | $11,717,500 | 4,627 |
| Average total loans | $65,414,000 | 4,511 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 3,775 |
| Cost of funding earning assets | 0.5017% | 5,208 |
| Net interest margin | 3.9076% | 2,793 |
| Noninterest income to average assets | 0.7552% | 2,467 |
| Noninterest expense to average assets | 4.2401% | 729 |
| Loan and lease loss provision to assets | 0.2740% | 2,454 |
| Net operating income to assets | -0.3677% | 6,494 |
| Return on assets (ROA) | -0.2862% | 6,486 |
| Pretax return on assets | -0.2862% | 6,471 |
| Return on Equity (ROE) | -3.6785% | 6,532 |
| Retained earnings to average equity (ytd only) | -3.6785% | 6,328 |
| Net charge-offs to loans | 1.9284% | 389 |
| Credit loss provision to net charge-offs | 26.7062% | 5,178 |
| Earnings coverage of net charge-offs (x) | -0.0912% | 5,530 |
| Efficiency ratio | 102.2581% | 484 |
| Assets per employee ($millions) | 2.5062% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0989% | 1,773 |
| Loan loss allowance to noncurrent loans | 21.2410% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 10.0477% | 217 |
| Noncurrent loans to loans | 9.8815% | 239 |
| Net loans and leases to total assets | 46.8382% | 5,530 |
| Net loans and leases to deposits | 52.4357% | 5,773 |
| Net loans and leases to core deposits | 53.4545% | 5,917 |
| Total domestic deposits to total assets | 89.3249% | 1,352 |
| Equity capital to assets | 8.7960% | 5,750 |
| Core capital (leverage) ratio | 8.4691% | 5,662 |
| Tier 1 risk-based capital ratio | 15.2479% | 3,583 |
| Total risk-based capital ratio | 16.5036% | 3,525 |
| Memoranda: | ||
| Average total assets | $131,363,400 | 4,118 |
| Average earning assets | $114,007,200 | 4,248 |
| Average equity | $10,221,600 | 4,931 |
| Average total loans | $69,904,000 | 4,362 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 3,232 |
| Cost of funding earning assets | 0.5343% | 5,217 |
| Net interest margin | 4.0595% | 2,260 |
| Noninterest income to average assets | 0.9808% | 1,557 |
| Noninterest expense to average assets | 4.1920% | 728 |
| Loan and lease loss provision to assets | 0.2608% | 2,491 |
| Net operating income to assets | 0.0399% | 6,221 |
| Return on assets (ROA) | 0.0603% | 6,332 |
| Pretax return on assets | 0.0603% | 6,321 |
| Return on Equity (ROE) | 0.8026% | 6,283 |
| Retained earnings to average equity (ytd only) | 0.8026% | 5,839 |
| Net charge-offs to loans | 2.4740% | 253 |
| Credit loss provision to net charge-offs | 19.3036% | 4,964 |
| Earnings coverage of net charge-offs (x) | 0.2226% | 5,215 |
| Efficiency ratio | 93.3075% | 821 |
| Assets per employee ($millions) | 2.3588% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,444 |
| Loan loss allowance to noncurrent loans | 17.5024% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 10.6104% | 210 |
| Noncurrent loans to loans | 10.9016% | 207 |
| Net loans and leases to total assets | 48.9807% | 5,434 |
| Net loans and leases to deposits | 55.2571% | 5,693 |
| Net loans and leases to core deposits | 56.3551% | 5,868 |
| Total domestic deposits to total assets | 88.6414% | 1,630 |
| Equity capital to assets | 9.2419% | 5,549 |
| Core capital (leverage) ratio | 9.1089% | 4,904 |
| Tier 1 risk-based capital ratio | 15.7843% | 3,385 |
| Total risk-based capital ratio | 17.0513% | 3,344 |
| Memoranda: | ||
| Average total assets | $130,370,750 | 4,178 |
| Average earning assets | $112,786,500 | 4,326 |
| Average equity | $9,801,000 | 5,073 |
| Average total loans | $71,193,250 | 4,355 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 3,210 |
| Cost of funding earning assets | 0.5778% | 5,087 |
| Net interest margin | 4.0575% | 2,254 |
| Noninterest income to average assets | 0.9441% | 1,633 |
| Noninterest expense to average assets | 4.2772% | 664 |
| Loan and lease loss provision to assets | 0.2325% | 2,748 |
| Net operating income to assets | -0.0822% | 6,416 |
| Return on assets (ROA) | -0.0713% | 6,518 |
| Pretax return on assets | -0.0713% | 6,497 |
| Return on Equity (ROE) | -1.0307% | 6,548 |
| Retained earnings to average equity (ytd only) | -1.0307% | 6,217 |
| Net charge-offs to loans | 0.0441% | 4,762 |
| Credit loss provision to net charge-offs | 937.5000% | 350 |
| Earnings coverage of net charge-offs (x) | 6.0625% | 2,707 |
| Efficiency ratio | 96.6036% | 681 |
| Assets per employee ($millions) | 2.3619% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3745% | 556 |
| Loan loss allowance to noncurrent loans | 27.3328% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 12.4424% | 162 |
| Noncurrent loans to loans | 12.3461% | 161 |
| Net loans and leases to total assets | 54.6870% | 4,676 |
| Net loans and leases to deposits | 59.9732% | 5,239 |
| Net loans and leases to core deposits | 61.3461% | 5,452 |
| Total domestic deposits to total assets | 91.1857% | 390 |
| Equity capital to assets | 6.8736% | 6,931 |
| Core capital (leverage) ratio | 6.8147% | 6,863 |
| Tier 1 risk-based capital ratio | 11.0474% | 6,473 |
| Total risk-based capital ratio | 12.3211% | 6,435 |
| Memoranda: | ||
| Average total assets | $129,010,000 | 4,229 |
| Average earning assets | $110,756,670 | 4,390 |
| Average equity | $8,926,000 | 5,287 |
| Average total loans | $72,545,330 | 4,328 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 2,349 |
| Cost of funding earning assets | 0.6243% | 4,935 |
| Net interest margin | 4.2470% | 1,616 |
| Noninterest income to average assets | 0.9054% | 1,723 |
| Noninterest expense to average assets | 4.2905% | 674 |
| Loan and lease loss provision to assets | 0.2333% | 2,610 |
| Net operating income to assets | 0.0218% | 6,378 |
| Return on assets (ROA) | 0.0436% | 6,460 |
| Pretax return on assets | 0.0436% | 6,460 |
| Return on Equity (ROE) | 0.6275% | 6,416 |
| Retained earnings to average equity (ytd only) | 0.6275% | 5,807 |
| Net charge-offs to loans | -0.0278% | 6,309 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3874% | 801 |
| Assets per employee ($millions) | 2.3529% | 6,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4112% | 573 |
| Loan loss allowance to noncurrent loans | 26.9427% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 12.7620% | 174 |
| Noncurrent loans to loans | 12.6611% | 175 |
| Net loans and leases to total assets | 53.1034% | 4,869 |
| Net loans and leases to deposits | 58.1899% | 5,351 |
| Net loans and leases to core deposits | 59.2777% | 5,601 |
| Total domestic deposits to total assets | 91.2587% | 451 |
| Equity capital to assets | 6.8929% | 6,954 |
| Core capital (leverage) ratio | 6.9495% | 6,858 |
| Tier 1 risk-based capital ratio | 11.4248% | 6,326 |
| Total risk-based capital ratio | 12.6971% | 6,294 |
| Memoranda: | ||
| Average total assets | $128,563,500 | 4,267 |
| Average earning assets | $110,195,000 | 4,433 |
| Average equity | $8,924,500 | 5,307 |
| Average total loans | $72,057,500 | 4,380 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 2,254 |
| Cost of funding earning assets | 0.8408% | 4,539 |
| Net interest margin | 4.3082% | 1,678 |
| Noninterest income to average assets | -1.1147% | 7,329 |
| Noninterest expense to average assets | 4.4788% | 598 |
| Loan and lease loss provision to assets | 0.8786% | 1,103 |
| Net operating income to assets | -4.7004% | 7,290 |
| Return on assets (ROA) | -4.6950% | 7,295 |
| Pretax return on assets | -2.8613% | 7,173 |
| Return on Equity (ROE) | -54.4605% | 7,217 |
| Retained earnings to average equity (ytd only) | -54.4605% | 7,216 |
| Net charge-offs to loans | 1.8827% | 764 |
| Credit loss provision to net charge-offs | 80.5886% | 4,420 |
| Earnings coverage of net charge-offs (x) | -1.8234% | 6,268 |
| Efficiency ratio | 179.8160% | 82 |
| Assets per employee ($millions) | 2.2807% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2165% | 671 |
| Loan loss allowance to noncurrent loans | 31.7548% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 11.0829% | 263 |
| Noncurrent loans to loans | 10.1291% | 307 |
| Net loans and leases to total assets | 55.2940% | 4,837 |
| Net loans and leases to deposits | 60.6746% | 5,414 |
| Net loans and leases to core deposits | 62.3271% | 5,621 |
| Total domestic deposits to total assets | 91.1321% | 453 |
| Equity capital to assets | 6.9911% | 6,967 |
| Core capital (leverage) ratio | 6.7897% | 6,923 |
| Tier 1 risk-based capital ratio | 11.0747% | 6,415 |
| Total risk-based capital ratio | 12.3461% | 6,385 |
| Memoranda: | ||
| Average total assets | $130,883,000 | 4,151 |
| Average earning assets | $109,534,400 | 4,407 |
| Average equity | $11,283,400 | 4,722 |
| Average total loans | $75,796,000 | 4,282 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2251% | 2,108 |
| Cost of funding earning assets | 0.8765% | 4,575 |
| Net interest margin | 4.3486% | 1,564 |
| Noninterest income to average assets | -1.2303% | 7,414 |
| Noninterest expense to average assets | 4.4047% | 634 |
| Loan and lease loss provision to assets | 0.6683% | 1,445 |
| Net operating income to assets | -2.6762% | 7,236 |
| Return on assets (ROA) | -2.6702% | 7,250 |
| Pretax return on assets | -2.6702% | 7,240 |
| Return on Equity (ROE) | -29.6151% | 7,193 |
| Retained earnings to average equity (ytd only) | -29.6151% | 7,186 |
| Net charge-offs to loans | 1.6626% | 836 |
| Credit loss provision to net charge-offs | 69.1824% | 4,507 |
| Earnings coverage of net charge-offs (x) | -2.0786% | 6,028 |
| Efficiency ratio | 183.7769% | 65 |
| Assets per employee ($millions) | 2.5146% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0893% | 810 |
| Loan loss allowance to noncurrent loans | 31.7439% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 11.2775% | 264 |
| Noncurrent loans to loans | 9.7319% | 366 |
| Net loans and leases to total assets | 54.8434% | 5,022 |
| Net loans and leases to deposits | 61.7910% | 5,429 |
| Net loans and leases to core deposits | 63.6474% | 5,656 |
| Total domestic deposits to total assets | 88.7562% | 1,579 |
| Equity capital to assets | 9.3417% | 5,315 |
| Core capital (leverage) ratio | 7.6153% | 6,689 |
| Tier 1 risk-based capital ratio | 12.4194% | 5,557 |
| Total risk-based capital ratio | 13.6898% | 5,536 |
| Memoranda: | ||
| Average total assets | $131,674,000 | 4,161 |
| Average earning assets | $109,826,500 | 4,421 |
| Average equity | $11,872,000 | 4,596 |
| Average total loans | $76,503,000 | 4,297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 1,908 |
| Cost of funding earning assets | 1.0024% | 3,928 |
| Net interest margin | 4.2942% | 1,683 |
| Noninterest income to average assets | -0.1998% | 7,341 |
| Noninterest expense to average assets | 4.1284% | 890 |
| Loan and lease loss provision to assets | 0.7778% | 1,195 |
| Net operating income to assets | -1.5388% | 7,105 |
| Return on assets (ROA) | -1.5327% | 7,121 |
| Pretax return on assets | -1.5327% | 7,084 |
| Return on Equity (ROE) | -17.2099% | 7,118 |
| Retained earnings to average equity (ytd only) | -17.2099% | 7,099 |
| Net charge-offs to loans | 2.2638% | 564 |
| Credit loss provision to net charge-offs | 58.6207% | 4,377 |
| Earnings coverage of net charge-offs (x) | -0.5736% | 5,546 |
| Efficiency ratio | 122.5996% | 317 |
| Assets per employee ($millions) | 2.5171% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9894% | 907 |
| Loan loss allowance to noncurrent loans | 27.9783% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 12.3000% | 245 |
| Noncurrent loans to loans | 10.6848% | 340 |
| Net loans and leases to total assets | 55.0725% | 5,134 |
| Net loans and leases to deposits | 62.8421% | 5,408 |
| Net loans and leases to core deposits | 64.7438% | 5,636 |
| Total domestic deposits to total assets | 87.6362% | 2,377 |
| Equity capital to assets | 10.5258% | 3,473 |
| Core capital (leverage) ratio | 8.8652% | 4,936 |
| Tier 1 risk-based capital ratio | 14.0125% | 4,166 |
| Total risk-based capital ratio | 15.2808% | 4,123 |
| Memoranda: | ||
| Average total assets | $131,140,670 | 4,202 |
| Average earning assets | $108,937,670 | 4,477 |
| Average equity | $11,679,330 | 4,647 |
| Average total loans | $76,863,330 | 4,319 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 2,113 |
| Cost of funding earning assets | 0.9250% | 4,744 |
| Net interest margin | 4.3044% | 1,554 |
| Noninterest income to average assets | 1.0153% | 1,282 |
| Noninterest expense to average assets | 3.8613% | 1,230 |
| Loan and lease loss provision to assets | 0.4615% | 1,911 |
| Net operating income to assets | 0.1853% | 5,834 |
| Return on assets (ROA) | 0.1877% | 5,885 |
| Pretax return on assets | 0.2461% | 5,818 |
| Return on Equity (ROE) | 2.3243% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.3243% | 4,755 |
| Net charge-offs to loans | 1.7565% | 747 |
| Credit loss provision to net charge-offs | 44.1176% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.6735% | 4,121 |
| Efficiency ratio | 84.5687% | 1,888 |
| Assets per employee ($millions) | 2.5803% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1715% | 786 |
| Loan loss allowance to noncurrent loans | 37.8479% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 11.6637% | 292 |
| Noncurrent loans to loans | 8.3797% | 571 |
| Net loans and leases to total assets | 55.3828% | 5,095 |
| Net loans and leases to deposits | 63.6170% | 5,303 |
| Net loans and leases to core deposits | 65.5496% | 5,559 |
| Total domestic deposits to total assets | 87.0566% | 2,915 |
| Equity capital to assets | 11.1614% | 2,530 |
| Core capital (leverage) ratio | 9.9805% | 3,162 |
| Tier 1 risk-based capital ratio | 14.6719% | 3,633 |
| Total risk-based capital ratio | 15.9189% | 3,593 |
| Memoranda: | ||
| Average total assets | $130,008,000 | 4,263 |
| Average earning assets | $107,240,000 | 4,548 |
| Average equity | $10,498,000 | 4,918 |
| Average total loans | $77,428,000 | 4,344 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9666% | 912 |
| Cost of funding earning assets | 1.1809% | 4,670 |
| Net interest margin | 4.7857% | 679 |
| Noninterest income to average assets | 0.0167% | 7,222 |
| Noninterest expense to average assets | 4.5345% | 629 |
| Loan and lease loss provision to assets | 4.9550% | 80 |
| Net operating income to assets | -4.5303% | 7,492 |
| Return on assets (ROA) | -4.5110% | 7,504 |
| Pretax return on assets | -5.4702% | 7,558 |
| Return on Equity (ROE) | -66.0045% | 7,506 |
| Retained earnings to average equity (ytd only) | -66.0045% | 7,505 |
| Net charge-offs to loans | 6.7061% | 69 |
| Credit loss provision to net charge-offs | 110.0825% | 4,002 |
| Earnings coverage of net charge-offs (x) | -0.1197% | 6,239 |
| Efficiency ratio | 113.4812% | 481 |
| Assets per employee ($millions) | 2.4200% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3593% | 650 |
| Loan loss allowance to noncurrent loans | 36.5663% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 12.7941% | 240 |
| Noncurrent loans to loans | 9.1869% | 496 |
| Net loans and leases to total assets | 59.9870% | 4,685 |
| Net loans and leases to deposits | 64.2776% | 5,594 |
| Net loans and leases to core deposits | 66.6823% | 5,814 |
| Total domestic deposits to total assets | 93.3248% | 119 |
| Equity capital to assets | 4.7839% | 7,447 |
| Core capital (leverage) ratio | 2.9476% | 7,561 |
| Tier 1 risk-based capital ratio | 4.2939% | 7,553 |
| Total risk-based capital ratio | 5.5418% | 7,558 |
| Memoranda: | ||
| Average total assets | $131,988,600 | 4,221 |
| Average earning assets | $109,744,000 | 4,469 |
| Average equity | $9,020,600 | 5,420 |
| Average total loans | $88,591,600 | 4,090 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8828% | 1,173 |
| Cost of funding earning assets | 1.3000% | 4,218 |
| Net interest margin | 4.5828% | 1,079 |
| Noninterest income to average assets | -0.0609% | 7,507 |
| Noninterest expense to average assets | 4.4854% | 610 |
| Loan and lease loss provision to assets | 6.3307% | 40 |
| Net operating income to assets | -4.6706% | 7,622 |
| Return on assets (ROA) | -4.6502% | 7,629 |
| Pretax return on assets | -7.0267% | 7,711 |
| Return on Equity (ROE) | -63.5487% | 7,615 |
| Retained earnings to average equity (ytd only) | -63.5487% | 7,614 |
| Net charge-offs to loans | 7.5822% | 49 |
| Credit loss provision to net charge-offs | 122.2286% | 3,362 |
| Earnings coverage of net charge-offs (x) | -0.1404% | 6,138 |
| Efficiency ratio | 119.3411% | 403 |
| Assets per employee ($millions) | 2.4171% | 7,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6681% | 478 |
| Loan loss allowance to noncurrent loans | 31.1599% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 13.2756% | 215 |
| Noncurrent loans to loans | 11.7720% | 303 |
| Net loans and leases to total assets | 65.1487% | 3,880 |
| Net loans and leases to deposits | 71.9030% | 4,856 |
| Net loans and leases to core deposits | 74.5658% | 5,222 |
| Total domestic deposits to total assets | 90.6063% | 590 |
| Equity capital to assets | 5.8162% | 7,509 |
| Core capital (leverage) ratio | 3.0124% | 7,679 |
| Tier 1 risk-based capital ratio | 4.2727% | 7,680 |
| Total risk-based capital ratio | 5.5512% | 7,682 |
| Memoranda: | ||
| Average total assets | $133,526,000 | 4,238 |
| Average earning assets | $111,282,000 | 4,498 |
| Average equity | $9,770,750 | 5,263 |
| Average total loans | $91,211,750 | 4,092 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6581% | 1,914 |
| Cost of funding earning assets | 1.3393% | 4,259 |
| Net interest margin | 4.3188% | 1,710 |
| Noninterest income to average assets | 1.0241% | 1,299 |
| Noninterest expense to average assets | 4.5961% | 520 |
| Loan and lease loss provision to assets | 6.7316% | 55 |
| Net operating income to assets | -4.3279% | 7,650 |
| Return on assets (ROA) | -4.2990% | 7,652 |
| Pretax return on assets | -6.6518% | 7,750 |
| Return on Equity (ROE) | -55.1783% | 7,635 |
| Retained earnings to average equity (ytd only) | -55.1783% | 7,631 |
| Net charge-offs to loans | 8.5533% | 48 |
| Credit loss provision to net charge-offs | 114.8512% | 3,543 |
| Earnings coverage of net charge-offs (x) | 0.0061% | 5,711 |
| Efficiency ratio | 99.2342% | 829 |
| Assets per employee ($millions) | 2.5627% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9540% | 859 |
| Loan loss allowance to noncurrent loans | 56.0463% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 9.1983% | 474 |
| Noncurrent loans to loans | 5.2706% | 1,284 |
| Net loans and leases to total assets | 65.7064% | 3,897 |
| Net loans and leases to deposits | 73.3672% | 4,778 |
| Net loans and leases to core deposits | 77.0239% | 5,078 |
| Total domestic deposits to total assets | 89.5584% | 1,146 |
| Equity capital to assets | 7.0162% | 7,343 |
| Core capital (leverage) ratio | 4.9232% | 7,614 |
| Tier 1 risk-based capital ratio | 6.8886% | 7,611 |
| Total risk-based capital ratio | 8.1603% | 7,614 |
| Memoranda: | ||
| Average total assets | $135,332,330 | 4,231 |
| Average earning assets | $113,041,330 | 4,476 |
| Average equity | $10,544,000 | 5,049 |
| Average total loans | $92,736,330 | 4,088 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9834% | 1,009 |
| Cost of funding earning assets | 1.5751% | 3,104 |
| Net interest margin | 4.4083% | 1,366 |
| Noninterest income to average assets | 0.8020% | 2,012 |
| Noninterest expense to average assets | 4.4228% | 627 |
| Loan and lease loss provision to assets | 6.3204% | 104 |
| Net operating income to assets | -4.3202% | 7,738 |
| Return on assets (ROA) | -4.2601% | 7,741 |
| Pretax return on assets | -6.1373% | 7,806 |
| Return on Equity (ROE) | -52.2126% | 7,715 |
| Retained earnings to average equity (ytd only) | -52.2126% | 7,705 |
| Net charge-offs to loans | 3.0825% | 495 |
| Credit loss provision to net charge-offs | 297.5376% | 1,334 |
| Earnings coverage of net charge-offs (x) | 0.0451% | 4,998 |
| Efficiency ratio | 97.8778% | 928 |
| Assets per employee ($millions) | 2.3772% | 7,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7274% | 461 |
| Loan loss allowance to noncurrent loans | 48.5243% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 10.7097% | 352 |
| Noncurrent loans to loans | 7.6816% | 726 |
| Net loans and leases to total assets | 66.1225% | 3,821 |
| Net loans and leases to deposits | 76.2050% | 4,371 |
| Net loans and leases to core deposits | 80.2490% | 4,732 |
| Total domestic deposits to total assets | 86.7693% | 2,756 |
| Equity capital to assets | 7.7703% | 6,868 |
| Core capital (leverage) ratio | 6.3971% | 7,499 |
| Tier 1 risk-based capital ratio | 8.6035% | 7,548 |
| Total risk-based capital ratio | 9.8806% | 7,561 |
| Memoranda: | ||
| Average total assets | $137,649,500 | 4,234 |
| Average earning assets | $116,055,000 | 4,471 |
| Average equity | $11,231,000 | 4,915 |
| Average total loans | $94,859,000 | 4,106 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8885% | 2,285 |
| Cost of funding earning assets | 2.1860% | 2,097 |
| Net interest margin | 3.7025% | 4,135 |
| Noninterest income to average assets | 1.0408% | 1,435 |
| Noninterest expense to average assets | 4.0562% | 1,293 |
| Loan and lease loss provision to assets | 3.1189% | 540 |
| Net operating income to assets | -1.7760% | 7,006 |
| Return on assets (ROA) | -1.7234% | 6,980 |
| Pretax return on assets | -2.8142% | 7,242 |
| Return on Equity (ROE) | -19.1439% | 7,116 |
| Retained earnings to average equity (ytd only) | -19.1439% | 7,074 |
| Net charge-offs to loans | 3.9567% | 427 |
| Credit loss provision to net charge-offs | 116.8848% | 4,640 |
| Earnings coverage of net charge-offs (x) | 0.0834% | 6,077 |
| Efficiency ratio | 94.7992% | 1,364 |
| Assets per employee ($millions) | 2.4526% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 1,834 |
| Loan loss allowance to noncurrent loans | 27.0577% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 9.7514% | 387 |
| Noncurrent loans to loans | 7.7433% | 668 |
| Net loans and leases to total assets | 67.6886% | 3,776 |
| Net loans and leases to deposits | 79.9773% | 3,997 |
| Net loans and leases to core deposits | 102.2254% | 3,784 |
| Total domestic deposits to total assets | 84.6348% | 3,735 |
| Equity capital to assets | 8.5360% | 5,832 |
| Core capital (leverage) ratio | 7.8215% | 6,421 |
| Tier 1 risk-based capital ratio | 10.5215% | 6,376 |
| Total risk-based capital ratio | 11.7786% | 6,347 |
| Memoranda: | ||
| Average total assets | $146,046,600 | 4,013 |
| Average earning assets | $127,724,400 | 4,140 |
| Average equity | $13,147,800 | 4,476 |
| Average total loans | $98,490,600 | 3,996 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 2,040 |
| Cost of funding earning assets | 2.0890% | 2,937 |
| Net interest margin | 3.9114% | 3,194 |
| Noninterest income to average assets | 1.1110% | 1,276 |
| Noninterest expense to average assets | 4.1938% | 1,038 |
| Loan and lease loss provision to assets | 3.0304% | 479 |
| Net operating income to assets | -1.6567% | 7,180 |
| Return on assets (ROA) | -1.5943% | 7,151 |
| Pretax return on assets | -2.5689% | 7,372 |
| Return on Equity (ROE) | -17.4945% | 7,289 |
| Retained earnings to average equity (ytd only) | -17.4945% | 7,252 |
| Net charge-offs to loans | 4.1582% | 323 |
| Credit loss provision to net charge-offs | 108.7168% | 4,673 |
| Earnings coverage of net charge-offs (x) | 0.1306% | 5,900 |
| Efficiency ratio | 92.0135% | 1,543 |
| Assets per employee ($millions) | 2.4960% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,521 |
| Loan loss allowance to noncurrent loans | 69.0587% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 6.0680% | 881 |
| Noncurrent loans to loans | 2.5065% | 3,004 |
| Net loans and leases to total assets | 65.2839% | 4,581 |
| Net loans and leases to deposits | 76.4149% | 4,967 |
| Net loans and leases to core deposits | 103.1198% | 4,044 |
| Total domestic deposits to total assets | 85.4334% | 3,005 |
| Equity capital to assets | 8.9899% | 5,493 |
| Core capital (leverage) ratio | 8.3333% | 5,777 |
| Tier 1 risk-based capital ratio | 11.5782% | 5,366 |
| Total risk-based capital ratio | 12.8207% | 5,306 |
| Memoranda: | ||
| Average total assets | $147,609,250 | 4,012 |
| Average earning assets | $130,076,750 | 4,101 |
| Average equity | $13,451,500 | 4,426 |
| Average total loans | $98,950,500 | 4,018 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9242% | 2,481 |
| Cost of funding earning assets | 2.3853% | 2,024 |
| Net interest margin | 3.5388% | 4,619 |
| Noninterest income to average assets | 1.2437% | 993 |
| Noninterest expense to average assets | 4.1302% | 1,158 |
| Loan and lease loss provision to assets | 3.7553% | 355 |
| Net operating income to assets | -2.1791% | 7,470 |
| Return on assets (ROA) | -2.0925% | 7,447 |
| Pretax return on assets | -3.3644% | 7,652 |
| Return on Equity (ROE) | -22.8642% | 7,585 |
| Retained earnings to average equity (ytd only) | -22.8642% | 7,544 |
| Net charge-offs to loans | 5.0862% | 242 |
| Credit loss provision to net charge-offs | 109.8277% | 4,219 |
| Earnings coverage of net charge-offs (x) | 0.0748% | 5,604 |
| Efficiency ratio | 94.1697% | 1,483 |
| Assets per employee ($millions) | 2.6271% | 7,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 2,493 |
| Loan loss allowance to noncurrent loans | 60.7357% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 4.8220% | 1,134 |
| Noncurrent loans to loans | 2.7309% | 2,636 |
| Net loans and leases to total assets | 65.2075% | 4,719 |
| Net loans and leases to deposits | 75.6932% | 5,212 |
| Net loans and leases to core deposits | 103.4430% | 4,131 |
| Total domestic deposits to total assets | 86.1472% | 2,710 |
| Equity capital to assets | 8.7651% | 5,651 |
| Core capital (leverage) ratio | 8.6926% | 5,099 |
| Tier 1 risk-based capital ratio | 12.1872% | 4,767 |
| Total risk-based capital ratio | 13.4380% | 4,677 |
| Memoranda: | ||
| Average total assets | $149,388,670 | 4,004 |
| Average earning assets | $132,643,330 | 4,092 |
| Average equity | $13,672,000 | 4,377 |
| Average total loans | $100,428,670 | 4,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8005% | 3,301 |
| Cost of funding earning assets | 2.4706% | 2,025 |
| Net interest margin | 3.3299% | 5,398 |
| Noninterest income to average assets | 1.1134% | 1,195 |
| Noninterest expense to average assets | 3.8160% | 1,443 |
| Loan and lease loss provision to assets | 5.5805% | 139 |
| Net operating income to assets | -3.4351% | 7,907 |
| Return on assets (ROA) | -3.2606% | 7,886 |
| Pretax return on assets | -5.0490% | 7,992 |
| Return on Equity (ROE) | -34.9063% | 7,944 |
| Retained earnings to average equity (ytd only) | -34.9063% | 7,913 |
| Net charge-offs to loans | 4.4528% | 251 |
| Credit loss provision to net charge-offs | 185.1852% | 2,359 |
| Earnings coverage of net charge-offs (x) | 0.0873% | 4,912 |
| Efficiency ratio | 93.5505% | 1,460 |
| Assets per employee ($millions) | 2.6853% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2880% | 959 |
| Loan loss allowance to noncurrent loans | 153.8918% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 3.9534% | 1,305 |
| Noncurrent loans to loans | 1.4867% | 4,061 |
| Net loans and leases to total assets | 66.2570% | 4,525 |
| Net loans and leases to deposits | 76.9117% | 5,103 |
| Net loans and leases to core deposits | 106.0127% | 3,913 |
| Total domestic deposits to total assets | 86.1469% | 2,640 |
| Equity capital to assets | 8.9361% | 5,425 |
| Core capital (leverage) ratio | 8.6118% | 5,315 |
| Tier 1 risk-based capital ratio | 12.2523% | 4,743 |
| Total risk-based capital ratio | 13.4808% | 4,674 |
| Memoranda: | ||
| Average total assets | $150,524,000 | 4,001 |
| Average earning assets | $134,058,500 | 4,071 |
| Average equity | $14,060,500 | 4,318 |
| Average total loans | $101,868,000 | 3,983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5888% | 2,544 |
| Cost of funding earning assets | 2.9380% | 2,106 |
| Net interest margin | 3.6508% | 4,674 |
| Noninterest income to average assets | 1.2028% | 1,031 |
| Noninterest expense to average assets | 3.8355% | 1,686 |
| Loan and lease loss provision to assets | 0.4022% | 3,270 |
| Net operating income to assets | 0.2647% | 5,663 |
| Return on assets (ROA) | 0.3354% | 5,239 |
| Pretax return on assets | 0.3289% | 5,446 |
| Return on Equity (ROE) | 3.5298% | 5,027 |
| Retained earnings to average equity (ytd only) | 0.7305% | 4,794 |
| Net charge-offs to loans | 0.4144% | 2,740 |
| Credit loss provision to net charge-offs | 146.9194% | 3,594 |
| Earnings coverage of net charge-offs (x) | 2.4123% | 4,869 |
| Efficiency ratio | 85.3102% | 1,920 |
| Assets per employee ($millions) | 2.6433% | 6,907 |
| Cash dividends to net income (ytd only)* | 79.3037% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 3,517 |
| Loan loss allowance to noncurrent loans | 49.0316% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 4.8410% | 740 |
| Noncurrent loans to loans | 2.7396% | 1,980 |
| Net loans and leases to total assets | 66.6357% | 4,722 |
| Net loans and leases to deposits | 78.3757% | 5,285 |
| Net loans and leases to core deposits | 107.5154% | 4,023 |
| Total domestic deposits to total assets | 85.0209% | 2,830 |
| Equity capital to assets | 9.7451% | 4,372 |
| Core capital (leverage) ratio | 9.3571% | 4,223 |
| Tier 1 risk-based capital ratio | 13.1720% | 4,013 |
| Total risk-based capital ratio | 14.3860% | 3,950 |
| Memoranda: | ||
| Average total assets | $154,140,400 | 3,818 |
| Average earning assets | $139,039,400 | 3,869 |
| Average equity | $14,646,800 | 4,209 |
| Average total loans | $101,829,400 | 3,898 |