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 | 4.8998% | 3,285 |
| Cost of funding earning assets | 1.9228% | 2,142 |
| Net interest margin | 2.9770% | 3,442 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.6850% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4618% | 3,637 |
| Return on assets (ROA) | 0.4753% | 3,626 |
| Pretax return on assets | 0.4753% | 3,745 |
| Return on Equity (ROE) | 7.8600% | 2,891 |
| Retained earnings to average equity (ytd only) | 5.8341% | 2,325 |
| Net charge-offs to loans | 0.1366% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.4638% | 1,908 |
| Efficiency ratio | 85.3250% | 673 |
| Assets per employee ($millions) | 6.4135% | 2,629 |
| Cash dividends to net income (ytd only)* | 25.7732% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 3,542 |
| Loan loss allowance to noncurrent loans | 62.2629% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 813 |
| Noncurrent loans to loans | 1.4812% | 661 |
| Net loans and leases to total assets | 60.2700% | 2,849 |
| Net loans and leases to deposits | 66.7060% | 3,087 |
| Net loans and leases to core deposits | 72.3391% | 3,176 |
| Total domestic deposits to total assets | 90.3500% | 703 |
| Equity capital to assets | 6.0659% | 4,242 |
| Core capital (leverage) ratio | 8.8370% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5995% | 1,656 |
| Memoranda: | ||
| Average total assets | $326,549,500 | 2,359 |
| Average earning assets | $308,093,000 | 2,333 |
| Average equity | $19,746,000 | 3,026 |
| Average total loans | $201,999,500 | 2,404 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 3,597 |
| Cost of funding earning assets | 1.7705% | 2,792 |
| Net interest margin | 2.9293% | 3,267 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.5619% | 2,132 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.7103% | 2,947 |
| Return on assets (ROA) | 0.6956% | 3,020 |
| Pretax return on assets | 0.6956% | 3,267 |
| Return on Equity (ROE) | 12.3400% | 1,525 |
| Retained earnings to average equity (ytd only) | 8.7354% | 875 |
| Net charge-offs to loans | 0.0598% | 1,526 |
| Credit loss provision to net charge-offs | -33.8983% | 4,316 |
| Earnings coverage of net charge-offs (x) | 18.9153% | 1,875 |
| Efficiency ratio | 78.5940% | 1,157 |
| Assets per employee ($millions) | 6.3919% | 2,589 |
| Cash dividends to net income (ytd only)* | 29.2135% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,405 |
| Loan loss allowance to noncurrent loans | 71.9585% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 846 |
| Noncurrent loans to loans | 1.3404% | 740 |
| Net loans and leases to total assets | 62.3300% | 2,728 |
| Net loans and leases to deposits | 69.6959% | 2,975 |
| Net loans and leases to core deposits | 76.1978% | 3,035 |
| Total domestic deposits to total assets | 89.4200% | 1,015 |
| Equity capital to assets | 6.0270% | 4,202 |
| Core capital (leverage) ratio | 9.0910% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8625% | 1,553 |
| Memoranda: | ||
| Average total assets | $319,877,000 | 2,361 |
| Average earning assets | $302,564,600 | 2,326 |
| Average equity | $18,030,000 | 3,096 |
| Average total loans | $197,241,400 | 2,389 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 3,564 |
| Cost of funding earning assets | 1.7654% | 2,809 |
| Net interest margin | 2.9245% | 3,249 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 2.6508% | 1,811 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | 0.7126% | 2,957 |
| Return on assets (ROA) | 0.6930% | 3,021 |
| Pretax return on assets | 0.6930% | 3,282 |
| Return on Equity (ROE) | 12.5100% | 1,481 |
| Retained earnings to average equity (ytd only) | 8.9303% | 1,139 |
| Net charge-offs to loans | 0.0761% | 1,148 |
| Credit loss provision to net charge-offs | -35.7143% | 4,355 |
| Earnings coverage of net charge-offs (x) | 14.9107% | 1,930 |
| Efficiency ratio | 79.2056% | 1,133 |
| Assets per employee ($millions) | 6.0087% | 2,861 |
| Cash dividends to net income (ytd only)* | 28.6230% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,248 |
| Loan loss allowance to noncurrent loans | 75.8379% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 851 |
| Noncurrent loans to loans | 1.3201% | 748 |
| Net loans and leases to total assets | 60.4300% | 2,886 |
| Net loans and leases to deposits | 67.6653% | 3,139 |
| Net loans and leases to core deposits | 73.4806% | 3,209 |
| Total domestic deposits to total assets | 89.3000% | 803 |
| Equity capital to assets | 6.1898% | 4,303 |
| Core capital (leverage) ratio | 9.0442% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0163% | 1,528 |
| Memoranda: | ||
| Average total assets | $319,947,500 | 2,348 |
| Average earning assets | $302,856,250 | 2,320 |
| Average equity | $17,722,000 | 3,116 |
| Average total loans | $196,269,750 | 2,387 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 3,445 |
| Cost of funding earning assets | 1.7494% | 2,752 |
| Net interest margin | 2.9654% | 3,129 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.6282% | 1,868 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.7178% | 2,885 |
| Return on assets (ROA) | 0.6884% | 2,990 |
| Pretax return on assets | 0.6884% | 3,252 |
| Return on Equity (ROE) | 12.9300% | 1,379 |
| Retained earnings to average equity (ytd only) | 9.1215% | 1,070 |
| Net charge-offs to loans | 0.0955% | 887 |
| Credit loss provision to net charge-offs | -42.5532% | 4,416 |
| Earnings coverage of net charge-offs (x) | 11.8085% | 1,916 |
| Efficiency ratio | 79.1393% | 1,198 |
| Assets per employee ($millions) | 6.0407% | 2,772 |
| Cash dividends to net income (ytd only)* | 29.4651% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 3,393 |
| Loan loss allowance to noncurrent loans | 73.3657% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 748 |
| Noncurrent loans to loans | 1.3307% | 680 |
| Net loans and leases to total assets | 63.4200% | 2,605 |
| Net loans and leases to deposits | 70.4502% | 2,954 |
| Net loans and leases to core deposits | 74.6344% | 3,120 |
| Total domestic deposits to total assets | 90.0200% | 695 |
| Equity capital to assets | 5.6196% | 4,290 |
| Core capital (leverage) ratio | 9.0669% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3826% | 1,746 |
| Memoranda: | ||
| Average total assets | $320,443,000 | 2,335 |
| Average earning assets | $303,767,667 | 2,305 |
| Average equity | $17,058,667 | 3,156 |
| Average total loans | $196,899,667 | 2,377 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 3,202 |
| Cost of funding earning assets | 1.8375% | 2,401 |
| Net interest margin | 2.9314% | 3,129 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.6674% | 1,774 |
| Loan and lease loss provision to assets | -0.0500% | 4,346 |
| Net operating income to assets | 0.6601% | 2,975 |
| Return on assets (ROA) | 0.6823% | 2,916 |
| Pretax return on assets | 0.6823% | 3,199 |
| Return on Equity (ROE) | 13.1700% | 1,301 |
| Retained earnings to average equity (ytd only) | 7.8034% | 1,599 |
| Net charge-offs to loans | 0.1664% | 516 |
| Credit loss provision to net charge-offs | -49.3827% | 4,461 |
| Earnings coverage of net charge-offs (x) | 6.0988% | 1,826 |
| Efficiency ratio | 81.3725% | 1,100 |
| Assets per employee ($millions) | 5.9878% | 2,848 |
| Cash dividends to net income (ytd only)* | 40.7609% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,232 |
| Loan loss allowance to noncurrent loans | 134.4898% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 1,360 |
| Noncurrent loans to loans | 0.7525% | 1,188 |
| Net loans and leases to total assets | 60.9300% | 2,770 |
| Net loans and leases to deposits | 68.2623% | 3,034 |
| Net loans and leases to core deposits | 70.5194% | 3,305 |
| Total domestic deposits to total assets | 89.2600% | 1,032 |
| Equity capital to assets | 5.3265% | 4,332 |
| Core capital (leverage) ratio | 8.2764% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5277% | 1,692 |
| Memoranda: | ||
| Average total assets | $323,607,000 | 2,328 |
| Average earning assets | $307,153,000 | 2,304 |
| Average equity | $16,762,000 | 3,188 |
| Average total loans | $194,766,000 | 2,383 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,489 |
| Cost of funding earning assets | 1.2694% | 2,603 |
| Net interest margin | 2.9989% | 3,284 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.6166% | 1,957 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.7497% | 3,046 |
| Return on assets (ROA) | 0.7575% | 2,999 |
| Pretax return on assets | 0.7575% | 3,320 |
| Return on Equity (ROE) | 16.6900% | 991 |
| Retained earnings to average equity (ytd only) | 10.1122% | 990 |
| Net charge-offs to loans | -0.0198% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.9696% | 991 |
| Assets per employee ($millions) | 6.1085% | 2,726 |
| Cash dividends to net income (ytd only)* | 39.4089% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 2,935 |
| Loan loss allowance to noncurrent loans | 142.5272% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,242 |
| Noncurrent loans to loans | 0.7581% | 1,029 |
| Net loans and leases to total assets | 58.2300% | 3,016 |
| Net loans and leases to deposits | 68.4734% | 2,992 |
| Net loans and leases to core deposits | 70.6902% | 3,265 |
| Total domestic deposits to total assets | 85.0400% | 2,299 |
| Equity capital to assets | 5.0385% | 4,407 |
| Core capital (leverage) ratio | 8.3514% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2778% | 1,768 |
| Memoranda: | ||
| Average total assets | $321,600,000 | 2,308 |
| Average earning assets | $305,414,000 | 2,271 |
| Average equity | $14,596,200 | 3,297 |
| Average total loans | $186,915,400 | 2,378 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 3,603 |
| Cost of funding earning assets | 1.1632% | 2,551 |
| Net interest margin | 2.9658% | 3,409 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.6000% | 1,942 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.7082% | 3,305 |
| Return on assets (ROA) | 0.7181% | 3,250 |
| Pretax return on assets | 0.7590% | 3,428 |
| Return on Equity (ROE) | 16.2900% | 1,205 |
| Retained earnings to average equity (ytd only) | 10.9860% | 1,159 |
| Net charge-offs to loans | -0.0612% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.7239% | 954 |
| Assets per employee ($millions) | 6.1673% | 2,600 |
| Cash dividends to net income (ytd only)* | 32.5392% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,587 |
| Loan loss allowance to noncurrent loans | 129.8411% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 1,142 |
| Noncurrent loans to loans | 0.8909% | 924 |
| Net loans and leases to total assets | 56.6000% | 3,146 |
| Net loans and leases to deposits | 65.8762% | 3,139 |
| Net loans and leases to core deposits | 67.7706% | 3,341 |
| Total domestic deposits to total assets | 85.9200% | 2,224 |
| Equity capital to assets | 4.2755% | 4,373 |
| Core capital (leverage) ratio | 8.2151% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7307% | 1,993 |
| Memoranda: | ||
| Average total assets | $319,535,000 | 2,322 |
| Average earning assets | $303,402,750 | 2,283 |
| Average equity | $14,090,250 | 3,325 |
| Average total loans | $185,099,000 | 2,399 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,760 |
| Cost of funding earning assets | 0.9846% | 2,652 |
| Net interest margin | 2.9791% | 3,484 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.6245% | 1,862 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.6914% | 3,357 |
| Return on assets (ROA) | 0.7060% | 3,335 |
| Pretax return on assets | 0.7682% | 3,466 |
| Return on Equity (ROE) | 15.8400% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.5664% | 1,067 |
| Net charge-offs to loans | -0.0906% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.4589% | 964 |
| Assets per employee ($millions) | 6.4315% | 2,352 |
| Cash dividends to net income (ytd only)* | 26.9784% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,422 |
| Loan loss allowance to noncurrent loans | 142.4795% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 1,122 |
| Noncurrent loans to loans | 0.8443% | 906 |
| Net loans and leases to total assets | 56.6800% | 3,071 |
| Net loans and leases to deposits | 66.0243% | 3,054 |
| Net loans and leases to core deposits | 67.5761% | 3,256 |
| Total domestic deposits to total assets | 85.8500% | 2,280 |
| Equity capital to assets | 4.3862% | 4,460 |
| Core capital (leverage) ratio | 8.4008% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5672% | 2,073 |
| Memoranda: | ||
| Average total assets | $315,035,000 | 2,354 |
| Average earning assets | $299,019,333 | 2,322 |
| Average equity | $14,040,667 | 3,348 |
| Average total loans | $183,227,333 | 2,409 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,015 |
| Cost of funding earning assets | 0.7192% | 2,992 |
| Net interest margin | 2.9846% | 3,639 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.5980% | 1,956 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.7001% | 3,465 |
| Return on assets (ROA) | 0.7312% | 3,356 |
| Pretax return on assets | 0.6910% | 3,680 |
| Return on Equity (ROE) | 16.2700% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.6627% | 1,151 |
| Net charge-offs to loans | 0.0664% | 740 |
| Credit loss provision to net charge-offs | -100.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | 15.9667% | 1,530 |
| Efficiency ratio | 80.7088% | 779 |
| Assets per employee ($millions) | 5.6475% | 3,071 |
| Cash dividends to net income (ytd only)* | 22.1631% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,611 |
| Loan loss allowance to noncurrent loans | 114.0231% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 844 |
| Noncurrent loans to loans | 1.0433% | 696 |
| Net loans and leases to total assets | 57.0200% | 2,956 |
| Net loans and leases to deposits | 65.5204% | 2,972 |
| Net loans and leases to core deposits | 66.5955% | 3,180 |
| Total domestic deposits to total assets | 87.0200% | 2,254 |
| Equity capital to assets | 4.5475% | 4,487 |
| Core capital (leverage) ratio | 8.7357% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8450% | 2,032 |
| Memoranda: | ||
| Average total assets | $308,548,000 | 2,415 |
| Average earning assets | $292,565,000 | 2,389 |
| Average equity | $13,867,500 | 3,401 |
| Average total loans | $180,744,500 | 2,444 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2925% | 3,600 |
| Cost of funding earning assets | 0.2905% | 2,958 |
| Net interest margin | 3.0020% | 3,443 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5329% | 2,017 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.8909% | 3,001 |
| Return on assets (ROA) | 0.8268% | 3,158 |
| Pretax return on assets | 0.7933% | 3,641 |
| Return on Equity (ROE) | 16.0300% | 1,050 |
| Retained earnings to average equity (ytd only) | 12.5051% | 590 |
| Net charge-offs to loans | 0.0237% | 1,583 |
| Credit loss provision to net charge-offs | -425.0000% | 4,628 |
| Earnings coverage of net charge-offs (x) | 60.5500% | 1,251 |
| Efficiency ratio | 75.9675% | 1,012 |
| Assets per employee ($millions) | 5.8987% | 2,851 |
| Cash dividends to net income (ytd only)* | 22.0088% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,172 |
| Loan loss allowance to noncurrent loans | 110.8847% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 739 |
| Noncurrent loans to loans | 1.1240% | 641 |
| Net loans and leases to total assets | 58.7600% | 2,756 |
| Net loans and leases to deposits | 61.8516% | 3,208 |
| Net loans and leases to core deposits | 62.3774% | 3,368 |
| Total domestic deposits to total assets | 95.0000% | 140 |
| Equity capital to assets | 4.4386% | 4,466 |
| Core capital (leverage) ratio | 8.6134% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7395% | 2,076 |
| Memoranda: | ||
| Average total assets | $302,264,200 | 2,440 |
| Average earning assets | $286,708,200 | 2,404 |
| Average equity | $15,585,600 | 3,317 |
| Average total loans | $168,550,000 | 2,472 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 3,446 |
| Cost of funding earning assets | 0.2484% | 2,728 |
| Net interest margin | 2.9489% | 3,361 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.5259% | 1,936 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.8022% | 3,254 |
| Return on assets (ROA) | 0.8124% | 3,170 |
| Pretax return on assets | 0.8393% | 3,491 |
| Return on Equity (ROE) | 15.2300% | 1,125 |
| Retained earnings to average equity (ytd only) | 11.9259% | 814 |
| Net charge-offs to loans | 0.0289% | 1,252 |
| Credit loss provision to net charge-offs | -277.7778% | 4,673 |
| Earnings coverage of net charge-offs (x) | 49.4722% | 1,292 |
| Efficiency ratio | 76.2976% | 1,049 |
| Assets per employee ($millions) | 5.6963% | 3,038 |
| Cash dividends to net income (ytd only)* | 21.6920% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,658 |
| Loan loss allowance to noncurrent loans | 175.2091% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 1,218 |
| Noncurrent loans to loans | 0.7908% | 1,018 |
| Net loans and leases to total assets | 55.3600% | 2,964 |
| Net loans and leases to deposits | 57.7587% | 3,359 |
| Net loans and leases to core deposits | 58.2526% | 3,483 |
| Total domestic deposits to total assets | 95.8500% | 145 |
| Equity capital to assets | 3.6076% | 4,532 |
| Core capital (leverage) ratio | 8.4536% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0641% | 1,687 |
| Memoranda: | ||
| Average total assets | $302,621,500 | 2,455 |
| Average earning assets | $287,146,750 | 2,420 |
| Average equity | $16,143,750 | 3,299 |
| Average total loans | $165,938,500 | 2,492 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0851% | 3,342 |
| Cost of funding earning assets | 0.2094% | 2,798 |
| Net interest margin | 2.8757% | 3,232 |
| Noninterest income to average assets | 0.5368% | 2,009 |
| Noninterest expense to average assets | 2.4925% | 1,953 |
| Loan and lease loss provision to assets | -0.0656% | 4,547 |
| Net operating income to assets | 0.8472% | 2,789 |
| Return on assets (ROA) | 0.8630% | 2,699 |
| Pretax return on assets | 0.8571% | 3,183 |
| Return on Equity (ROE) | 14.6412% | 971 |
| Retained earnings to average equity (ytd only) | 11.5794% | 679 |
| Net charge-offs to loans | 0.0326% | 1,078 |
| Credit loss provision to net charge-offs | -370.3704% | 3,323 |
| Earnings coverage of net charge-offs (x) | 43.7778% | 1,214 |
| Efficiency ratio | 76.2651% | 1,248 |
| Assets per employee ($millions) | 5.7858% | 2,940 |
| Cash dividends to net income (ytd only)* | 20.9125% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,793 |
| Loan loss allowance to noncurrent loans | 139.7343% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 1,007 |
| Noncurrent loans to loans | 0.9960% | 839 |
| Net loans and leases to total assets | 55.5650% | 2,800 |
| Net loans and leases to deposits | 58.2051% | 3,208 |
| Net loans and leases to core deposits | 58.7063% | 3,372 |
| Total domestic deposits to total assets | 95.4642% | 108 |
| Equity capital to assets | 4.0559% | 4,616 |
| Core capital (leverage) ratio | 8.4173% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3985% | 1,901 |
| Memoranda: | ||
| Average total assets | $304,759,667 | 2,459 |
| Average earning assets | $289,459,667 | 2,433 |
| Average equity | $17,963,000 | 3,235 |
| Average total loans | $165,823,000 | 2,502 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0394% | 3,138 |
| Cost of funding earning assets | 0.1997% | 2,808 |
| Net interest margin | 2.8397% | 3,014 |
| Noninterest income to average assets | 0.4793% | 2,239 |
| Noninterest expense to average assets | 2.4793% | 1,935 |
| Loan and lease loss provision to assets | -0.0775% | 4,564 |
| Net operating income to assets | 0.7305% | 2,931 |
| Return on assets (ROA) | 0.7597% | 2,809 |
| Pretax return on assets | 0.8088% | 3,091 |
| Return on Equity (ROE) | 11.2211% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.3586% | 1,466 |
| Net charge-offs to loans | 0.0700% | 645 |
| Credit loss provision to net charge-offs | -206.8966% | 2,979 |
| Earnings coverage of net charge-offs (x) | 18.6897% | 1,302 |
| Efficiency ratio | 77.9764% | 1,315 |
| Assets per employee ($millions) | 5.6430% | 3,187 |
| Cash dividends to net income (ytd only)* | 25.5102% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,793 |
| Loan loss allowance to noncurrent loans | 116.5510% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 884 |
| Noncurrent loans to loans | 1.2279% | 718 |
| Net loans and leases to total assets | 53.1612% | 2,859 |
| Net loans and leases to deposits | 57.7636% | 3,098 |
| Net loans and leases to core deposits | 58.2633% | 3,289 |
| Total domestic deposits to total assets | 92.0324% | 567 |
| Equity capital to assets | 5.8447% | 4,610 |
| Core capital (leverage) ratio | 7.7015% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9746% | 2,220 |
| Memoranda: | ||
| Average total assets | $309,602,500 | 2,451 |
| Average earning assets | $294,401,000 | 2,424 |
| Average equity | $20,960,500 | 3,058 |
| Average total loans | $165,598,500 | 2,504 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 2,792 |
| Cost of funding earning assets | 0.2047% | 3,419 |
| Net interest margin | 3.2491% | 2,466 |
| Noninterest income to average assets | 1.1553% | 789 |
| Noninterest expense to average assets | 2.6897% | 1,660 |
| Loan and lease loss provision to assets | 0.0610% | 1,841 |
| Net operating income to assets | 1.3638% | 1,400 |
| Return on assets (ROA) | 1.3794% | 1,400 |
| Pretax return on assets | 1.5002% | 1,725 |
| Return on Equity (ROE) | 17.0695% | 577 |
| Retained earnings to average equity (ytd only) | 8.8872% | 1,237 |
| Net charge-offs to loans | -0.0732% | 4,476 |
| Credit loss provision to net charge-offs | -146.3415% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5272% | 2,635 |
| Assets per employee ($millions) | 5.7179% | 3,035 |
| Cash dividends to net income (ytd only)* | 47.9351% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,686 |
| Loan loss allowance to noncurrent loans | 117.3558% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 981 |
| Noncurrent loans to loans | 1.2466% | 773 |
| Net loans and leases to total assets | 52.2795% | 3,031 |
| Net loans and leases to deposits | 57.9508% | 3,260 |
| Net loans and leases to core deposits | 58.4455% | 3,440 |
| Total domestic deposits to total assets | 90.2135% | 862 |
| Equity capital to assets | 7.6669% | 4,519 |
| Core capital (leverage) ratio | 7.5798% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7928% | 2,324 |
| Memoranda: | ||
| Average total assets | $294,903,000 | 2,454 |
| Average earning assets | $279,432,600 | 2,441 |
| Average equity | $23,832,000 | 2,923 |
| Average total loans | $168,121,400 | 2,482 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 2,784 |
| Cost of funding earning assets | 0.2065% | 3,543 |
| Net interest margin | 3.3087% | 2,396 |
| Noninterest income to average assets | 1.2671% | 729 |
| Noninterest expense to average assets | 2.7355% | 1,495 |
| Loan and lease loss provision to assets | 0.0828% | 1,433 |
| Net operating income to assets | 1.4472% | 1,404 |
| Return on assets (ROA) | 1.4675% | 1,393 |
| Pretax return on assets | 1.6022% | 1,694 |
| Return on Equity (ROE) | 17.9103% | 638 |
| Retained earnings to average equity (ytd only) | 9.3535% | 1,551 |
| Net charge-offs to loans | -0.1053% | 4,632 |
| Credit loss provision to net charge-offs | -135.3383% | 3,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1930% | 2,660 |
| Assets per employee ($millions) | 5.4763% | 3,223 |
| Cash dividends to net income (ytd only)* | 47.7757% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,787 |
| Loan loss allowance to noncurrent loans | 135.4892% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 1,298 |
| Noncurrent loans to loans | 1.0758% | 1,054 |
| Net loans and leases to total assets | 54.0329% | 2,968 |
| Net loans and leases to deposits | 60.2163% | 3,212 |
| Net loans and leases to core deposits | 60.8098% | 3,413 |
| Total domestic deposits to total assets | 89.7314% | 904 |
| Equity capital to assets | 7.9798% | 4,532 |
| Core capital (leverage) ratio | 7.7182% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0645% | 2,338 |
| Memoranda: | ||
| Average total assets | $290,008,000 | 2,499 |
| Average earning assets | $274,464,500 | 2,486 |
| Average equity | $23,762,250 | 2,960 |
| Average total loans | $168,439,000 | 2,517 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 2,912 |
| Cost of funding earning assets | 0.2076% | 3,674 |
| Net interest margin | 3.2854% | 2,491 |
| Noninterest income to average assets | 1.4568% | 573 |
| Noninterest expense to average assets | 2.8124% | 1,325 |
| Loan and lease loss provision to assets | 0.1266% | 992 |
| Net operating income to assets | 1.4959% | 1,305 |
| Return on assets (ROA) | 1.5243% | 1,298 |
| Pretax return on assets | 1.6537% | 1,602 |
| Return on Equity (ROE) | 18.4309% | 602 |
| Retained earnings to average equity (ytd only) | 10.5672% | 1,227 |
| Net charge-offs to loans | 0.0570% | 1,044 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 51.8333% | 1,046 |
| Efficiency ratio | 61.6523% | 2,776 |
| Assets per employee ($millions) | 5.9908% | 2,621 |
| Cash dividends to net income (ytd only)* | 42.6661% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,179 |
| Loan loss allowance to noncurrent loans | 74.8351% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 531 |
| Noncurrent loans to loans | 1.8066% | 574 |
| Net loans and leases to total assets | 55.2707% | 2,985 |
| Net loans and leases to deposits | 61.7641% | 3,227 |
| Net loans and leases to core deposits | 62.4300% | 3,425 |
| Total domestic deposits to total assets | 89.4869% | 1,036 |
| Equity capital to assets | 8.0597% | 4,496 |
| Core capital (leverage) ratio | 7.8957% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2023% | 2,287 |
| Memoranda: | ||
| Average total assets | $284,452,667 | 2,528 |
| Average earning assets | $268,826,667 | 2,512 |
| Average equity | $23,525,667 | 2,972 |
| Average total loans | $168,533,333 | 2,523 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 3,374 |
| Cost of funding earning assets | 0.2125% | 3,801 |
| Net interest margin | 3.1228% | 2,918 |
| Noninterest income to average assets | 1.5687% | 566 |
| Noninterest expense to average assets | 2.8515% | 1,251 |
| Loan and lease loss provision to assets | 0.2311% | 486 |
| Net operating income to assets | 1.3433% | 1,700 |
| Return on assets (ROA) | 1.3997% | 1,651 |
| Pretax return on assets | 1.4980% | 1,996 |
| Return on Equity (ROE) | 16.6943% | 894 |
| Retained earnings to average equity (ytd only) | 10.2337% | 1,589 |
| Net charge-offs to loans | 0.1137% | 622 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 24.0625% | 1,182 |
| Efficiency ratio | 63.0872% | 2,599 |
| Assets per employee ($millions) | 5.5562% | 3,063 |
| Cash dividends to net income (ytd only)* | 38.6997% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,421 |
| Loan loss allowance to noncurrent loans | 74.8752% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 536 |
| Noncurrent loans to loans | 1.7412% | 685 |
| Net loans and leases to total assets | 60.1117% | 2,533 |
| Net loans and leases to deposits | 66.9885% | 2,811 |
| Net loans and leases to core deposits | 67.6209% | 3,090 |
| Total domestic deposits to total assets | 89.7344% | 938 |
| Equity capital to assets | 8.1436% | 4,402 |
| Core capital (leverage) ratio | 8.1106% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9657% | 2,300 |
| Memoranda: | ||
| Average total assets | $276,909,000 | 2,562 |
| Average earning assets | $261,686,000 | 2,543 |
| Average equity | $23,217,500 | 2,978 |
| Average total loans | $168,886,500 | 2,523 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,198 |
| Cost of funding earning assets | 0.3330% | 3,964 |
| Net interest margin | 3.5040% | 2,464 |
| Noninterest income to average assets | 1.6302% | 471 |
| Noninterest expense to average assets | 3.2204% | 1,021 |
| Loan and lease loss provision to assets | 0.3932% | 809 |
| Net operating income to assets | 1.2143% | 1,505 |
| Return on assets (ROA) | 1.2284% | 1,561 |
| Pretax return on assets | 1.3458% | 1,833 |
| Return on Equity (ROE) | 13.9327% | 830 |
| Retained earnings to average equity (ytd only) | 8.5029% | 904 |
| Net charge-offs to loans | 0.2396% | 728 |
| Credit loss provision to net charge-offs | 260.1078% | 1,887 |
| Earnings coverage of net charge-offs (x) | 11.4016% | 2,405 |
| Efficiency ratio | 65.1393% | 2,655 |
| Assets per employee ($millions) | 5.0084% | 3,384 |
| Cash dividends to net income (ytd only)* | 38.9718% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,440 |
| Loan loss allowance to noncurrent loans | 61.1381% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.5529% | 458 |
| Noncurrent loans to loans | 2.1170% | 519 |
| Net loans and leases to total assets | 60.2875% | 2,821 |
| Net loans and leases to deposits | 67.7110% | 3,109 |
| Net loans and leases to core deposits | 68.5626% | 3,368 |
| Total domestic deposits to total assets | 89.0366% | 969 |
| Equity capital to assets | 8.6370% | 4,344 |
| Core capital (leverage) ratio | 8.0580% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2355% | 2,153 |
| Memoranda: | ||
| Average total assets | $245,434,000 | 2,606 |
| Average earning assets | $232,104,800 | 2,587 |
| Average equity | $21,639,800 | 3,045 |
| Average total loans | $154,851,800 | 2,619 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 3,252 |
| Cost of funding earning assets | 0.3656% | 3,976 |
| Net interest margin | 3.5348% | 2,475 |
| Noninterest income to average assets | 1.5129% | 509 |
| Noninterest expense to average assets | 3.2416% | 995 |
| Loan and lease loss provision to assets | 0.4043% | 866 |
| Net operating income to assets | 1.1047% | 1,969 |
| Return on assets (ROA) | 1.1199% | 2,035 |
| Pretax return on assets | 1.2258% | 2,300 |
| Return on Equity (ROE) | 12.6289% | 1,212 |
| Retained earnings to average equity (ytd only) | 7.1285% | 1,635 |
| Net charge-offs to loans | 0.3222% | 490 |
| Credit loss provision to net charge-offs | 197.0109% | 2,126 |
| Earnings coverage of net charge-offs (x) | 7.8641% | 2,542 |
| Efficiency ratio | 66.7700% | 2,356 |
| Assets per employee ($millions) | 4.9130% | 3,357 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,773 |
| Loan loss allowance to noncurrent loans | 68.8631% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 765 |
| Noncurrent loans to loans | 1.7146% | 795 |
| Net loans and leases to total assets | 57.8598% | 3,435 |
| Net loans and leases to deposits | 64.5038% | 3,755 |
| Net loans and leases to core deposits | 65.5026% | 3,923 |
| Total domestic deposits to total assets | 89.6997% | 523 |
| Equity capital to assets | 8.2151% | 4,627 |
| Core capital (leverage) ratio | 8.1290% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1426% | 2,136 |
| Memoranda: | ||
| Average total assets | $239,179,000 | 2,633 |
| Average earning assets | $226,127,500 | 2,607 |
| Average equity | $21,210,000 | 3,072 |
| Average total loans | $152,267,750 | 2,648 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,131 |
| Cost of funding earning assets | 0.4156% | 3,967 |
| Net interest margin | 3.6538% | 2,308 |
| Noninterest income to average assets | 1.3592% | 559 |
| Noninterest expense to average assets | 3.3178% | 964 |
| Loan and lease loss provision to assets | 0.2641% | 1,608 |
| Net operating income to assets | 1.1557% | 1,778 |
| Return on assets (ROA) | 1.1805% | 1,829 |
| Pretax return on assets | 1.2553% | 2,169 |
| Return on Equity (ROE) | 12.9278% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.8306% | 1,056 |
| Net charge-offs to loans | 0.1647% | 907 |
| Credit loss provision to net charge-offs | 243.9024% | 1,762 |
| Earnings coverage of net charge-offs (x) | 13.7886% | 1,977 |
| Efficiency ratio | 68.9661% | 2,093 |
| Assets per employee ($millions) | 4.4993% | 3,788 |
| Cash dividends to net income (ytd only)* | 31.6928% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,218 |
| Loan loss allowance to noncurrent loans | 56.5746% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 904 |
| Noncurrent loans to loans | 1.8960% | 723 |
| Net loans and leases to total assets | 62.9962% | 3,007 |
| Net loans and leases to deposits | 71.0413% | 3,345 |
| Net loans and leases to core deposits | 72.2557% | 3,578 |
| Total domestic deposits to total assets | 88.6755% | 878 |
| Equity capital to assets | 8.8146% | 4,248 |
| Core capital (leverage) ratio | 8.7676% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2684% | 2,079 |
| Memoranda: | ||
| Average total assets | $227,195,667 | 2,703 |
| Average earning assets | $214,627,333 | 2,672 |
| Average equity | $20,746,000 | 3,107 |
| Average total loans | $149,326,667 | 2,662 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 3,030 |
| Cost of funding earning assets | 0.5140% | 3,872 |
| Net interest margin | 3.7484% | 2,150 |
| Noninterest income to average assets | 0.8379% | 1,200 |
| Noninterest expense to average assets | 3.3890% | 1,081 |
| Loan and lease loss provision to assets | 0.1862% | 1,608 |
| Net operating income to assets | 0.7495% | 3,094 |
| Return on assets (ROA) | 0.8026% | 2,988 |
| Pretax return on assets | 0.8491% | 3,287 |
| Return on Equity (ROE) | 8.6138% | 2,272 |
| Retained earnings to average equity (ytd only) | 5.1163% | 2,222 |
| Net charge-offs to loans | 0.3283% | 445 |
| Credit loss provision to net charge-offs | 84.7458% | 1,917 |
| Earnings coverage of net charge-offs (x) | 4.4576% | 2,137 |
| Efficiency ratio | 77.5789% | 1,386 |
| Assets per employee ($millions) | 3.8136% | 4,154 |
| Cash dividends to net income (ytd only)* | 40.6032% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 3,515 |
| Loan loss allowance to noncurrent loans | 58.7082% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 1,006 |
| Noncurrent loans to loans | 1.7640% | 852 |
| Net loans and leases to total assets | 68.3291% | 2,495 |
| Net loans and leases to deposits | 75.7102% | 3,099 |
| Net loans and leases to core deposits | 77.2112% | 3,411 |
| Total domestic deposits to total assets | 90.2509% | 254 |
| Equity capital to assets | 9.1909% | 4,472 |
| Core capital (leverage) ratio | 9.3311% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4933% | 2,078 |
| Memoranda: | ||
| Average total assets | $214,814,500 | 2,749 |
| Average earning assets | $202,325,500 | 2,727 |
| Average equity | $20,014,500 | 3,171 |
| Average total loans | $143,767,500 | 2,695 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 3,131 |
| Cost of funding earning assets | 0.5658% | 3,797 |
| Net interest margin | 3.8785% | 2,249 |
| Noninterest income to average assets | 0.8689% | 1,250 |
| Noninterest expense to average assets | 3.3989% | 1,121 |
| Loan and lease loss provision to assets | 0.1521% | 1,394 |
| Net operating income to assets | 0.7838% | 3,604 |
| Return on assets (ROA) | 0.8308% | 3,547 |
| Pretax return on assets | 1.0224% | 3,408 |
| Return on Equity (ROE) | 8.8764% | 2,808 |
| Retained earnings to average equity (ytd only) | 4.6213% | 2,634 |
| Net charge-offs to loans | 0.3489% | 578 |
| Credit loss provision to net charge-offs | 65.3527% | 2,973 |
| Earnings coverage of net charge-offs (x) | 4.7988% | 3,167 |
| Efficiency ratio | 75.2726% | 1,451 |
| Assets per employee ($millions) | 3.7253% | 4,239 |
| Cash dividends to net income (ytd only)* | 47.9372% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 2,946 |
| Loan loss allowance to noncurrent loans | 55.5596% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.3010% | 851 |
| Noncurrent loans to loans | 1.9838% | 648 |
| Net loans and leases to total assets | 64.1186% | 3,183 |
| Net loans and leases to deposits | 71.3302% | 3,560 |
| Net loans and leases to core deposits | 72.8446% | 3,806 |
| Total domestic deposits to total assets | 89.8899% | 355 |
| Equity capital to assets | 9.4418% | 4,393 |
| Core capital (leverage) ratio | 9.2962% | 4,287 |
| Tier 1 risk-based capital ratio | 13.7960% | 3,368 |
| Total risk-based capital ratio | 14.8565% | 3,369 |
| Memoranda: | ||
| Average total assets | $207,157,800 | 2,784 |
| Average earning assets | $194,764,600 | 2,753 |
| Average equity | $19,388,400 | 3,181 |
| Average total loans | $138,157,800 | 2,747 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 3,116 |
| Cost of funding earning assets | 0.5755% | 3,793 |
| Net interest margin | 3.9066% | 2,227 |
| Noninterest income to average assets | 0.8263% | 1,342 |
| Noninterest expense to average assets | 3.4671% | 984 |
| Loan and lease loss provision to assets | 0.0748% | 2,395 |
| Net operating income to assets | 0.7373% | 3,889 |
| Return on assets (ROA) | 0.7306% | 3,976 |
| Pretax return on assets | 0.9460% | 3,748 |
| Return on Equity (ROE) | 7.8248% | 3,373 |
| Retained earnings to average equity (ytd only) | 2.0764% | 4,243 |
| Net charge-offs to loans | 0.3380% | 507 |
| Credit loss provision to net charge-offs | 32.9513% | 2,896 |
| Earnings coverage of net charge-offs (x) | 4.5330% | 2,999 |
| Efficiency ratio | 77.1090% | 1,206 |
| Assets per employee ($millions) | 3.5679% | 4,439 |
| Cash dividends to net income (ytd only)* | 73.4636% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,175 |
| Loan loss allowance to noncurrent loans | 54.6835% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.3052% | 928 |
| Noncurrent loans to loans | 1.9566% | 694 |
| Net loans and leases to total assets | 65.9937% | 3,049 |
| Net loans and leases to deposits | 73.6112% | 3,510 |
| Net loans and leases to core deposits | 75.1364% | 3,755 |
| Total domestic deposits to total assets | 89.6516% | 392 |
| Equity capital to assets | 9.5737% | 4,408 |
| Core capital (leverage) ratio | 9.3109% | 4,357 |
| Tier 1 risk-based capital ratio | 13.8228% | 3,411 |
| Total risk-based capital ratio | 14.8707% | 3,423 |
| Memoranda: | ||
| Average total assets | $204,929,750 | 2,820 |
| Average earning assets | $192,523,750 | 2,795 |
| Average equity | $19,135,250 | 3,237 |
| Average total loans | $137,676,000 | 2,772 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 3,062 |
| Cost of funding earning assets | 0.5755% | 3,768 |
| Net interest margin | 3.9086% | 2,220 |
| Noninterest income to average assets | 0.7344% | 1,582 |
| Noninterest expense to average assets | 3.4348% | 1,047 |
| Loan and lease loss provision to assets | 0.0539% | 2,744 |
| Net operating income to assets | 0.9165% | 3,218 |
| Return on assets (ROA) | 0.9038% | 3,334 |
| Pretax return on assets | 0.9038% | 3,832 |
| Return on Equity (ROE) | 9.7622% | 2,501 |
| Retained earnings to average equity (ytd only) | 4.2095% | 3,143 |
| Net charge-offs to loans | 0.0262% | 2,332 |
| Credit loss provision to net charge-offs | 305.5556% | 888 |
| Earnings coverage of net charge-offs (x) | 55.0556% | 1,037 |
| Efficiency ratio | 77.9729% | 1,155 |
| Assets per employee ($millions) | 3.3898% | 4,618 |
| Cash dividends to net income (ytd only)* | 56.8797% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,176 |
| Loan loss allowance to noncurrent loans | 72.0231% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 1,111 |
| Noncurrent loans to loans | 1.7536% | 861 |
| Net loans and leases to total assets | 67.1895% | 2,940 |
| Net loans and leases to deposits | 75.2884% | 3,391 |
| Net loans and leases to core deposits | 76.7761% | 3,664 |
| Total domestic deposits to total assets | 89.2428% | 575 |
| Equity capital to assets | 9.7075% | 4,228 |
| Core capital (leverage) ratio | 9.5963% | 4,046 |
| Tier 1 risk-based capital ratio | 14.1074% | 3,259 |
| Total risk-based capital ratio | 15.3568% | 3,179 |
| Memoranda: | ||
| Average total assets | $204,259,330 | 2,838 |
| Average earning assets | $191,832,670 | 2,808 |
| Average equity | $18,909,670 | 3,254 |
| Average total loans | $137,553,000 | 2,791 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 3,560 |
| Cost of funding earning assets | 0.5579% | 3,790 |
| Net interest margin | 3.7408% | 2,741 |
| Noninterest income to average assets | 0.6116% | 1,995 |
| Noninterest expense to average assets | 3.4236% | 1,078 |
| Loan and lease loss provision to assets | 0.0391% | 2,845 |
| Net operating income to assets | 0.6605% | 4,063 |
| Return on assets (ROA) | 0.6351% | 4,177 |
| Pretax return on assets | 0.6351% | 4,451 |
| Return on Equity (ROE) | 7.0299% | 3,672 |
| Retained earnings to average equity (ytd only) | 0.5408% | 4,424 |
| Net charge-offs to loans | 0.0029% | 2,637 |
| Credit loss provision to net charge-offs | 2,000.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 223 |
| Efficiency ratio | 83.0332% | 787 |
| Assets per employee ($millions) | 3.6710% | 4,384 |
| Cash dividends to net income (ytd only)* | 92.3077% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,296 |
| Loan loss allowance to noncurrent loans | 66.5641% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 896 |
| Noncurrent loans to loans | 1.8859% | 808 |
| Net loans and leases to total assets | 66.1956% | 3,023 |
| Net loans and leases to deposits | 74.9349% | 3,361 |
| Net loans and leases to core deposits | 77.2911% | 3,574 |
| Total domestic deposits to total assets | 88.3375% | 1,162 |
| Equity capital to assets | 9.1281% | 4,591 |
| Core capital (leverage) ratio | 9.3395% | 4,330 |
| Tier 1 risk-based capital ratio | 13.8128% | 3,446 |
| Total risk-based capital ratio | 15.0573% | 3,358 |
| Memoranda: | ||
| Average total assets | $204,694,500 | 2,856 |
| Average earning assets | $192,151,500 | 2,831 |
| Average equity | $18,492,500 | 3,315 |
| Average total loans | $137,127,500 | 2,826 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 3,351 |
| Cost of funding earning assets | 0.4296% | 3,804 |
| Net interest margin | 3.8018% | 2,651 |
| Noninterest income to average assets | 0.7648% | 1,583 |
| Noninterest expense to average assets | 3.3357% | 1,249 |
| Loan and lease loss provision to assets | 0.0074% | 3,974 |
| Net operating income to assets | 0.9920% | 3,045 |
| Return on assets (ROA) | 0.9989% | 3,006 |
| Pretax return on assets | 0.9989% | 3,606 |
| Return on Equity (ROE) | 11.3030% | 1,970 |
| Retained earnings to average equity (ytd only) | 4.4417% | 3,089 |
| Net charge-offs to loans | -0.1698% | 5,244 |
| Credit loss provision to net charge-offs | -6.8182% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9468% | 1,240 |
| Assets per employee ($millions) | 3.4545% | 4,604 |
| Cash dividends to net income (ytd only)* | 60.7037% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,277 |
| Loan loss allowance to noncurrent loans | 59.4717% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 856 |
| Noncurrent loans to loans | 2.1086% | 625 |
| Net loans and leases to total assets | 66.1055% | 3,116 |
| Net loans and leases to deposits | 73.6117% | 3,535 |
| Net loans and leases to core deposits | 75.0593% | 3,781 |
| Total domestic deposits to total assets | 89.8030% | 542 |
| Equity capital to assets | 8.9395% | 4,622 |
| Core capital (leverage) ratio | 9.4357% | 4,191 |
| Tier 1 risk-based capital ratio | 13.7458% | 3,416 |
| Total risk-based capital ratio | 14.9726% | 3,350 |
| Memoranda: | ||
| Average total assets | $202,025,200 | 2,845 |
| Average earning assets | $189,726,200 | 2,832 |
| Average equity | $17,853,600 | 3,309 |
| Average total loans | $129,574,000 | 2,879 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 3,427 |
| Cost of funding earning assets | 0.4127% | 3,771 |
| Net interest margin | 3.7495% | 2,829 |
| Noninterest income to average assets | 0.7931% | 1,499 |
| Noninterest expense to average assets | 3.3402% | 1,223 |
| Loan and lease loss provision to assets | 0.0099% | 3,790 |
| Net operating income to assets | 0.9644% | 3,243 |
| Return on assets (ROA) | 0.9749% | 3,206 |
| Pretax return on assets | 0.9749% | 3,801 |
| Return on Equity (ROE) | 11.0645% | 2,151 |
| Retained earnings to average equity (ytd only) | 4.6840% | 3,405 |
| Net charge-offs to loans | -0.1908% | 5,295 |
| Credit loss provision to net charge-offs | -8.1967% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4184% | 1,182 |
| Assets per employee ($millions) | 3.3254% | 4,748 |
| Cash dividends to net income (ytd only)* | 57.6666% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,250 |
| Loan loss allowance to noncurrent loans | 62.2536% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 999 |
| Noncurrent loans to loans | 2.0429% | 707 |
| Net loans and leases to total assets | 65.1310% | 3,292 |
| Net loans and leases to deposits | 72.3769% | 3,745 |
| Net loans and leases to core deposits | 73.8259% | 3,958 |
| Total domestic deposits to total assets | 89.9887% | 511 |
| Equity capital to assets | 8.8180% | 4,707 |
| Core capital (leverage) ratio | 9.3891% | 4,289 |
| Tier 1 risk-based capital ratio | 13.5525% | 3,597 |
| Total risk-based capital ratio | 14.7466% | 3,544 |
| Memoranda: | ||
| Average total assets | $201,577,750 | 2,869 |
| Average earning assets | $189,319,250 | 2,856 |
| Average equity | $17,762,000 | 3,347 |
| Average total loans | $127,856,500 | 2,927 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 3,471 |
| Cost of funding earning assets | 0.4000% | 3,717 |
| Net interest margin | 3.6943% | 2,949 |
| Noninterest income to average assets | 0.7485% | 1,653 |
| Noninterest expense to average assets | 3.2641% | 1,405 |
| Loan and lease loss provision to assets | 0.0148% | 3,579 |
| Net operating income to assets | 0.9404% | 3,271 |
| Return on assets (ROA) | 0.9562% | 3,215 |
| Pretax return on assets | 0.9562% | 3,787 |
| Return on Equity (ROE) | 10.8542% | 2,176 |
| Retained earnings to average equity (ytd only) | 4.9613% | 3,094 |
| Net charge-offs to loans | 0.0190% | 2,512 |
| Credit loss provision to net charge-offs | 125.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 819 |
| Efficiency ratio | 77.3611% | 1,264 |
| Assets per employee ($millions) | 3.3524% | 4,768 |
| Cash dividends to net income (ytd only)* | 54.2916% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 2,935 |
| Loan loss allowance to noncurrent loans | 54.6361% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 1,041 |
| Noncurrent loans to loans | 2.1235% | 670 |
| Net loans and leases to total assets | 62.6431% | 3,532 |
| Net loans and leases to deposits | 69.1618% | 3,932 |
| Net loans and leases to core deposits | 70.7740% | 4,104 |
| Total domestic deposits to total assets | 90.5748% | 374 |
| Equity capital to assets | 8.7943% | 4,727 |
| Core capital (leverage) ratio | 9.4041% | 4,242 |
| Tier 1 risk-based capital ratio | 13.3285% | 3,716 |
| Total risk-based capital ratio | 14.3764% | 3,749 |
| Memoranda: | ||
| Average total assets | $202,262,330 | 2,878 |
| Average earning assets | $190,021,330 | 2,854 |
| Average equity | $17,818,000 | 3,353 |
| Average total loans | $126,600,000 | 2,958 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,607 |
| Cost of funding earning assets | 0.3924% | 3,644 |
| Net interest margin | 3.6075% | 3,148 |
| Noninterest income to average assets | 0.5995% | 2,261 |
| Noninterest expense to average assets | 3.2442% | 1,470 |
| Loan and lease loss provision to assets | 0.0296% | 3,123 |
| Net operating income to assets | 0.7159% | 4,049 |
| Return on assets (ROA) | 0.7159% | 4,058 |
| Pretax return on assets | 0.7159% | 4,394 |
| Return on Equity (ROE) | 8.1197% | 3,326 |
| Retained earnings to average equity (ytd only) | 4.2052% | 3,506 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3149% | 1,021 |
| Assets per employee ($millions) | 3.3188% | 4,885 |
| Cash dividends to net income (ytd only)* | 48.2094% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,807 |
| Loan loss allowance to noncurrent loans | 49.4363% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 914 |
| Noncurrent loans to loans | 2.4258% | 570 |
| Net loans and leases to total assets | 61.6888% | 3,585 |
| Net loans and leases to deposits | 68.0262% | 3,945 |
| Net loans and leases to core deposits | 69.6248% | 4,101 |
| Total domestic deposits to total assets | 90.6838% | 417 |
| Equity capital to assets | 8.8175% | 4,727 |
| Core capital (leverage) ratio | 8.9105% | 4,789 |
| Tier 1 risk-based capital ratio | 13.6989% | 3,547 |
| Total risk-based capital ratio | 14.7997% | 3,538 |
| Memoranda: | ||
| Average total assets | $202,823,000 | 2,909 |
| Average earning assets | $190,602,000 | 2,873 |
| Average equity | $17,882,500 | 3,368 |
| Average total loans | $126,160,000 | 2,985 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 3,463 |
| Cost of funding earning assets | 0.3133% | 4,013 |
| Net interest margin | 3.6683% | 2,922 |
| Noninterest income to average assets | 0.7312% | 1,841 |
| Noninterest expense to average assets | 3.3529% | 1,287 |
| Loan and lease loss provision to assets | -0.0274% | 5,347 |
| Net operating income to assets | 0.8502% | 2,951 |
| Return on assets (ROA) | 0.8502% | 2,975 |
| Pretax return on assets | 0.8502% | 4,092 |
| Return on Equity (ROE) | 9.4566% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.1968% | 2,649 |
| Net charge-offs to loans | -0.0409% | 5,133 |
| Credit loss provision to net charge-offs | 105.7692% | 2,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2956% | 1,078 |
| Assets per employee ($millions) | 3.3856% | 4,841 |
| Cash dividends to net income (ytd only)* | 55.6206% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,037 |
| Loan loss allowance to noncurrent loans | 217.6991% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 3,558 |
| Noncurrent loans to loans | 0.5297% | 2,919 |
| Net loans and leases to total assets | 61.2602% | 3,705 |
| Net loans and leases to deposits | 67.5469% | 4,056 |
| Net loans and leases to core deposits | 68.5683% | 4,256 |
| Total domestic deposits to total assets | 90.6929% | 338 |
| Equity capital to assets | 8.8161% | 4,884 |
| Core capital (leverage) ratio | 8.8538% | 4,804 |
| Tier 1 risk-based capital ratio | 13.2944% | 3,745 |
| Total risk-based capital ratio | 14.3622% | 3,754 |
| Memoranda: | ||
| Average total assets | $200,899,200 | 2,916 |
| Average earning assets | $188,645,800 | 2,881 |
| Average equity | $18,061,400 | 3,354 |
| Average total loans | $127,284,400 | 2,955 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,480 |
| Cost of funding earning assets | 0.3069% | 4,066 |
| Net interest margin | 3.6562% | 2,928 |
| Noninterest income to average assets | 0.7425% | 1,819 |
| Noninterest expense to average assets | 3.3704% | 1,202 |
| Loan and lease loss provision to assets | -0.0368% | 5,504 |
| Net operating income to assets | 0.8401% | 3,325 |
| Return on assets (ROA) | 0.8401% | 3,372 |
| Pretax return on assets | 0.8401% | 4,238 |
| Return on Equity (ROE) | 9.2980% | 2,446 |
| Retained earnings to average equity (ytd only) | 4.3050% | 3,343 |
| Net charge-offs to loans | -0.0640% | 5,243 |
| Credit loss provision to net charge-offs | 90.1639% | 2,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7526% | 1,019 |
| Assets per employee ($millions) | 3.3728% | 4,884 |
| Cash dividends to net income (ytd only)* | 53.6994% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,026 |
| Loan loss allowance to noncurrent loans | 142.7885% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,047 |
| Noncurrent loans to loans | 0.8286% | 2,295 |
| Net loans and leases to total assets | 60.2808% | 3,827 |
| Net loans and leases to deposits | 66.5849% | 4,209 |
| Net loans and leases to core deposits | 67.5963% | 4,376 |
| Total domestic deposits to total assets | 90.5323% | 315 |
| Equity capital to assets | 8.9802% | 4,933 |
| Core capital (leverage) ratio | 8.8565% | 4,916 |
| Tier 1 risk-based capital ratio | 13.6422% | 3,616 |
| Total risk-based capital ratio | 14.7555% | 3,610 |
| Memoranda: | ||
| Average total assets | $199,494,250 | 2,955 |
| Average earning assets | $187,219,250 | 2,916 |
| Average equity | $18,025,000 | 3,387 |
| Average total loans | $127,108,000 | 2,981 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,469 |
| Cost of funding earning assets | 0.3025% | 4,058 |
| Net interest margin | 3.6225% | 2,940 |
| Noninterest income to average assets | 0.7406% | 1,808 |
| Noninterest expense to average assets | 3.3919% | 1,190 |
| Loan and lease loss provision to assets | 0.0203% | 3,574 |
| Net operating income to assets | 0.7254% | 3,736 |
| Return on assets (ROA) | 0.7254% | 3,803 |
| Pretax return on assets | 0.7254% | 4,486 |
| Return on Equity (ROE) | 8.0113% | 3,026 |
| Retained earnings to average equity (ytd only) | 4.0952% | 3,273 |
| Net charge-offs to loans | 0.0063% | 3,232 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 435 |
| Efficiency ratio | 81.9785% | 1,009 |
| Assets per employee ($millions) | 3.2414% | 5,045 |
| Cash dividends to net income (ytd only)* | 48.8827% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,157 |
| Loan loss allowance to noncurrent loans | 121.0526% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 2,694 |
| Noncurrent loans to loans | 0.9719% | 2,024 |
| Net loans and leases to total assets | 63.5088% | 3,449 |
| Net loans and leases to deposits | 70.3863% | 3,881 |
| Net loans and leases to core deposits | 71.9020% | 4,099 |
| Total domestic deposits to total assets | 90.2290% | 454 |
| Equity capital to assets | 9.2820% | 4,641 |
| Core capital (leverage) ratio | 9.2776% | 4,386 |
| Tier 1 risk-based capital ratio | 13.3985% | 3,749 |
| Total risk-based capital ratio | 14.5127% | 3,743 |
| Memoranda: | ||
| Average total assets | $197,411,670 | 2,991 |
| Average earning assets | $185,121,670 | 2,954 |
| Average equity | $17,874,670 | 3,416 |
| Average total loans | $127,641,330 | 2,979 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 3,400 |
| Cost of funding earning assets | 0.2964% | 4,084 |
| Net interest margin | 3.6043% | 2,874 |
| Noninterest income to average assets | 0.6793% | 2,043 |
| Noninterest expense to average assets | 3.3804% | 1,236 |
| Loan and lease loss provision to assets | 0.0406% | 2,994 |
| Net operating income to assets | 0.6367% | 3,992 |
| Return on assets (ROA) | 0.6367% | 4,034 |
| Pretax return on assets | 0.6367% | 4,639 |
| Return on Equity (ROE) | 7.1220% | 3,354 |
| Retained earnings to average equity (ytd only) | 4.8538% | 2,983 |
| Net charge-offs to loans | 0.0031% | 2,862 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 181 |
| Efficiency ratio | 83.3083% | 1,034 |
| Assets per employee ($millions) | 3.1100% | 5,259 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,264 |
| Loan loss allowance to noncurrent loans | 149.5010% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 3,155 |
| Noncurrent loans to loans | 0.7885% | 2,484 |
| Net loans and leases to total assets | 65.1290% | 3,100 |
| Net loans and leases to deposits | 72.0972% | 3,604 |
| Net loans and leases to core deposits | 73.6813% | 3,862 |
| Total domestic deposits to total assets | 90.3350% | 532 |
| Equity capital to assets | 9.2221% | 4,596 |
| Core capital (leverage) ratio | 8.8865% | 4,858 |
| Tier 1 risk-based capital ratio | 13.6637% | 3,677 |
| Total risk-based capital ratio | 14.8122% | 3,653 |
| Memoranda: | ||
| Average total assets | $197,254,000 | 3,021 |
| Average earning assets | $184,888,500 | 2,994 |
| Average equity | $17,635,500 | 3,462 |
| Average total loans | $127,927,500 | 2,993 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 2,979 |
| Cost of funding earning assets | 0.3292% | 3,758 |
| Net interest margin | 3.7343% | 2,560 |
| Noninterest income to average assets | 0.9357% | 1,306 |
| Noninterest expense to average assets | 3.3882% | 1,387 |
| Loan and lease loss provision to assets | 0.0635% | 3,107 |
| Net operating income to assets | 0.9088% | 2,775 |
| Return on assets (ROA) | 0.9088% | 2,891 |
| Pretax return on assets | 0.9088% | 3,820 |
| Return on Equity (ROE) | 10.0991% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.3379% | 2,814 |
| Net charge-offs to loans | 0.0817% | 2,520 |
| Credit loss provision to net charge-offs | 119.0476% | 2,231 |
| Earnings coverage of net charge-offs (x) | 18.2190% | 1,981 |
| Efficiency ratio | 77.7014% | 1,736 |
| Assets per employee ($millions) | 3.2530% | 5,093 |
| Cash dividends to net income (ytd only)* | 57.0470% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,440 |
| Loan loss allowance to noncurrent loans | 327.2124% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,410 |
| Noncurrent loans to loans | 0.3510% | 3,874 |
| Net loans and leases to total assets | 63.1155% | 3,461 |
| Net loans and leases to deposits | 69.4398% | 3,968 |
| Net loans and leases to core deposits | 70.8185% | 4,169 |
| Total domestic deposits to total assets | 90.8924% | 312 |
| Equity capital to assets | 8.6713% | 5,132 |
| Core capital (leverage) ratio | 8.7722% | 4,999 |
| Tier 1 risk-based capital ratio | 13.3002% | 3,896 |
| Total risk-based capital ratio | 14.4164% | 3,893 |
| Memoranda: | ||
| Average total assets | $196,742,600 | 2,992 |
| Average earning assets | $180,436,400 | 3,012 |
| Average equity | $17,704,600 | 3,455 |
| Average total loans | $128,566,200 | 2,942 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,828 |
| Cost of funding earning assets | 0.3374% | 3,683 |
| Net interest margin | 3.7753% | 2,427 |
| Noninterest income to average assets | 0.9241% | 1,332 |
| Noninterest expense to average assets | 3.4201% | 1,309 |
| Loan and lease loss provision to assets | 0.0341% | 3,553 |
| Net operating income to assets | 0.9118% | 2,848 |
| Return on assets (ROA) | 0.9118% | 2,973 |
| Pretax return on assets | 0.9118% | 3,942 |
| Return on Equity (ROE) | 10.0381% | 2,038 |
| Retained earnings to average equity (ytd only) | 3.3185% | 3,911 |
| Net charge-offs to loans | 0.1058% | 1,885 |
| Credit loss provision to net charge-offs | 49.0196% | 3,044 |
| Earnings coverage of net charge-offs (x) | 13.5977% | 2,300 |
| Efficiency ratio | 78.3349% | 1,641 |
| Assets per employee ($millions) | 3.2691% | 5,084 |
| Cash dividends to net income (ytd only)* | 66.9408% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,978 |
| Loan loss allowance to noncurrent loans | 73.5494% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 2,122 |
| Noncurrent loans to loans | 1.4628% | 1,478 |
| Net loans and leases to total assets | 65.9583% | 3,128 |
| Net loans and leases to deposits | 73.0968% | 3,689 |
| Net loans and leases to core deposits | 74.7300% | 3,946 |
| Total domestic deposits to total assets | 90.2343% | 394 |
| Equity capital to assets | 9.2212% | 4,954 |
| Core capital (leverage) ratio | 8.6476% | 5,216 |
| Tier 1 risk-based capital ratio | 12.6749% | 4,354 |
| Total risk-based capital ratio | 13.7061% | 4,396 |
| Memoranda: | ||
| Average total assets | $195,506,000 | 3,013 |
| Average earning assets | $178,240,000 | 3,040 |
| Average equity | $17,758,500 | 3,468 |
| Average total loans | $128,513,750 | 2,946 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 2,881 |
| Cost of funding earning assets | 0.3398% | 3,685 |
| Net interest margin | 3.7547% | 2,500 |
| Noninterest income to average assets | 0.8684% | 1,481 |
| Noninterest expense to average assets | 3.4563% | 1,253 |
| Loan and lease loss provision to assets | 0.0410% | 3,341 |
| Net operating income to assets | 0.7998% | 3,308 |
| Return on assets (ROA) | 0.7998% | 3,451 |
| Pretax return on assets | 0.7998% | 4,276 |
| Return on Equity (ROE) | 8.8504% | 2,558 |
| Retained earnings to average equity (ytd only) | 4.9408% | 2,776 |
| Net charge-offs to loans | 0.0282% | 2,923 |
| Credit loss provision to net charge-offs | 222.2222% | 1,206 |
| Earnings coverage of net charge-offs (x) | 45.6111% | 1,059 |
| Efficiency ratio | 80.4337% | 1,455 |
| Assets per employee ($millions) | 3.2515% | 5,134 |
| Cash dividends to net income (ytd only)* | 44.1741% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,638 |
| Loan loss allowance to noncurrent loans | 82.5530% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 2,348 |
| Noncurrent loans to loans | 1.3942% | 1,604 |
| Net loans and leases to total assets | 64.1268% | 3,345 |
| Net loans and leases to deposits | 70.9906% | 3,886 |
| Net loans and leases to core deposits | 72.5537% | 4,126 |
| Total domestic deposits to total assets | 90.3314% | 376 |
| Equity capital to assets | 9.1327% | 5,129 |
| Core capital (leverage) ratio | 8.7949% | 5,062 |
| Tier 1 risk-based capital ratio | 12.8073% | 4,309 |
| Total risk-based capital ratio | 13.9047% | 4,319 |
| Memoranda: | ||
| Average total assets | $195,293,000 | 3,038 |
| Average earning assets | $178,337,000 | 3,059 |
| Average equity | $17,649,000 | 3,494 |
| Average total loans | $127,758,000 | 2,971 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 3,004 |
| Cost of funding earning assets | 0.3497% | 3,601 |
| Net interest margin | 3.7086% | 2,633 |
| Noninterest income to average assets | 0.7411% | 1,854 |
| Noninterest expense to average assets | 3.4598% | 1,260 |
| Loan and lease loss provision to assets | 0.0619% | 2,705 |
| Net operating income to assets | 0.6131% | 4,118 |
| Return on assets (ROA) | 0.6131% | 4,239 |
| Pretax return on assets | 0.6131% | 4,781 |
| Return on Equity (ROE) | 6.8211% | 3,547 |
| Retained earnings to average equity (ytd only) | 4.0651% | 3,456 |
| Net charge-offs to loans | 0.0063% | 2,900 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 163.5000% | 371 |
| Efficiency ratio | 83.6745% | 1,187 |
| Assets per employee ($millions) | 3.1737% | 5,312 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 3,660 |
| Loan loss allowance to noncurrent loans | 86.4033% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 2,468 |
| Noncurrent loans to loans | 1.3544% | 1,760 |
| Net loans and leases to total assets | 64.8683% | 3,129 |
| Net loans and leases to deposits | 71.7117% | 3,675 |
| Net loans and leases to core deposits | 73.4395% | 3,942 |
| Total domestic deposits to total assets | 90.4570% | 443 |
| Equity capital to assets | 9.0972% | 5,085 |
| Core capital (leverage) ratio | 8.6345% | 5,258 |
| Tier 1 risk-based capital ratio | 12.7654% | 4,419 |
| Total risk-based capital ratio | 13.8805% | 4,411 |
| Memoranda: | ||
| Average total assets | $193,768,000 | 3,060 |
| Average earning assets | $177,319,500 | 3,082 |
| Average equity | $17,416,500 | 3,522 |
| Average total loans | $127,301,000 | 2,979 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 3,073 |
| Cost of funding earning assets | 0.3795% | 3,376 |
| Net interest margin | 3.6803% | 2,829 |
| Noninterest income to average assets | 1.0588% | 1,052 |
| Noninterest expense to average assets | 3.5497% | 1,215 |
| Loan and lease loss provision to assets | 0.1273% | 1,897 |
| Net operating income to assets | 0.7718% | 3,457 |
| Return on assets (ROA) | 0.7718% | 3,538 |
| Pretax return on assets | 0.7718% | 4,290 |
| Return on Equity (ROE) | 8.6149% | 2,665 |
| Retained earnings to average equity (ytd only) | 4.4703% | 2,811 |
| Net charge-offs to loans | 0.2840% | 1,066 |
| Credit loss provision to net charge-offs | 68.5714% | 3,147 |
| Earnings coverage of net charge-offs (x) | 4.8429% | 3,481 |
| Efficiency ratio | 79.7902% | 1,704 |
| Assets per employee ($millions) | 3.1280% | 5,379 |
| Cash dividends to net income (ytd only)* | 48.1100% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 3,788 |
| Loan loss allowance to noncurrent loans | 76.1482% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 2,040 |
| Noncurrent loans to loans | 1.5024% | 1,544 |
| Net loans and leases to total assets | 65.0065% | 3,124 |
| Net loans and leases to deposits | 71.7367% | 3,745 |
| Net loans and leases to core deposits | 73.4892% | 3,992 |
| Total domestic deposits to total assets | 90.6182% | 401 |
| Equity capital to assets | 8.8796% | 5,240 |
| Core capital (leverage) ratio | 8.6194% | 5,310 |
| Tier 1 risk-based capital ratio | 12.3493% | 4,731 |
| Total risk-based capital ratio | 13.4175% | 4,753 |
| Memoranda: | ||
| Average total assets | $188,523,800 | 3,072 |
| Average earning assets | $173,653,800 | 3,071 |
| Average equity | $16,889,400 | 3,542 |
| Average total loans | $123,223,800 | 3,007 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,172 |
| Cost of funding earning assets | 0.3774% | 3,470 |
| Net interest margin | 3.6625% | 2,920 |
| Noninterest income to average assets | 1.1369% | 930 |
| Noninterest expense to average assets | 3.5931% | 1,128 |
| Loan and lease loss provision to assets | 0.1389% | 1,600 |
| Net operating income to assets | 0.7857% | 3,495 |
| Return on assets (ROA) | 0.7857% | 3,585 |
| Pretax return on assets | 0.7857% | 4,379 |
| Return on Equity (ROE) | 8.7504% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.9737% | 2,269 |
| Net charge-offs to loans | 0.3013% | 887 |
| Credit loss provision to net charge-offs | 70.6522% | 2,753 |
| Earnings coverage of net charge-offs (x) | 4.7029% | 3,309 |
| Efficiency ratio | 79.5333% | 1,725 |
| Assets per employee ($millions) | 3.0431% | 5,498 |
| Cash dividends to net income (ytd only)* | 31.7320% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 3,801 |
| Loan loss allowance to noncurrent loans | 80.0861% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 2,216 |
| Noncurrent loans to loans | 1.4645% | 1,707 |
| Net loans and leases to total assets | 65.3971% | 3,093 |
| Net loans and leases to deposits | 72.3474% | 3,727 |
| Net loans and leases to core deposits | 74.3157% | 3,982 |
| Total domestic deposits to total assets | 90.3932% | 428 |
| Equity capital to assets | 9.0085% | 5,299 |
| Core capital (leverage) ratio | 8.8315% | 5,201 |
| Tier 1 risk-based capital ratio | 12.7834% | 4,562 |
| Total risk-based capital ratio | 13.9115% | 4,548 |
| Memoranda: | ||
| Average total assets | $187,170,000 | 3,112 |
| Average earning assets | $172,774,750 | 3,101 |
| Average equity | $16,806,500 | 3,585 |
| Average total loans | $122,146,750 | 3,042 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,112 |
| Cost of funding earning assets | 0.3797% | 3,498 |
| Net interest margin | 3.6640% | 2,860 |
| Noninterest income to average assets | 1.3110% | 709 |
| Noninterest expense to average assets | 3.7629% | 917 |
| Loan and lease loss provision to assets | 0.1293% | 1,718 |
| Net operating income to assets | 0.7972% | 3,405 |
| Return on assets (ROA) | 0.7972% | 3,496 |
| Pretax return on assets | 0.7972% | 4,325 |
| Return on Equity (ROE) | 8.8880% | 2,609 |
| Retained earnings to average equity (ytd only) | 5.5850% | 2,482 |
| Net charge-offs to loans | 0.4877% | 514 |
| Credit loss provision to net charge-offs | 40.8163% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.9252% | 3,272 |
| Efficiency ratio | 80.2435% | 1,725 |
| Assets per employee ($millions) | 3.0113% | 5,584 |
| Cash dividends to net income (ytd only)* | 37.1622% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 4,006 |
| Loan loss allowance to noncurrent loans | 68.6516% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2089% | 2,094 |
| Noncurrent loans to loans | 1.6957% | 1,525 |
| Net loans and leases to total assets | 63.4392% | 3,351 |
| Net loans and leases to deposits | 70.1523% | 3,915 |
| Net loans and leases to core deposits | 72.2479% | 4,105 |
| Total domestic deposits to total assets | 90.4306% | 485 |
| Equity capital to assets | 8.9604% | 5,275 |
| Core capital (leverage) ratio | 8.7654% | 5,264 |
| Tier 1 risk-based capital ratio | 13.1670% | 4,417 |
| Total risk-based capital ratio | 14.2854% | 4,417 |
| Memoranda: | ||
| Average total assets | $185,654,000 | 3,154 |
| Average earning assets | $171,178,000 | 3,151 |
| Average equity | $16,651,670 | 3,617 |
| Average total loans | $120,573,670 | 3,077 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,096 |
| Cost of funding earning assets | 0.3766% | 3,578 |
| Net interest margin | 3.6588% | 2,781 |
| Noninterest income to average assets | 0.9917% | 1,133 |
| Noninterest expense to average assets | 3.5132% | 1,277 |
| Loan and lease loss provision to assets | 0.0216% | 3,433 |
| Net operating income to assets | 0.8362% | 3,076 |
| Return on assets (ROA) | 0.8362% | 3,203 |
| Pretax return on assets | 0.8362% | 4,110 |
| Return on Equity (ROE) | 9.3180% | 2,304 |
| Retained earnings to average equity (ytd only) | 5.1044% | 3,000 |
| Net charge-offs to loans | 0.3142% | 757 |
| Credit loss provision to net charge-offs | 10.5263% | 2,430 |
| Earnings coverage of net charge-offs (x) | 4.1789% | 2,524 |
| Efficiency ratio | 80.3757% | 1,850 |
| Assets per employee ($millions) | 3.0758% | 5,575 |
| Cash dividends to net income (ytd only)* | 45.2196% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 3,752 |
| Loan loss allowance to noncurrent loans | 66.1909% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 1,968 |
| Noncurrent loans to loans | 1.8697% | 1,436 |
| Net loans and leases to total assets | 64.1742% | 3,067 |
| Net loans and leases to deposits | 71.0312% | 3,637 |
| Net loans and leases to core deposits | 73.2888% | 3,846 |
| Total domestic deposits to total assets | 90.3466% | 590 |
| Equity capital to assets | 9.0731% | 5,216 |
| Core capital (leverage) ratio | 8.5864% | 5,437 |
| Tier 1 risk-based capital ratio | 12.9140% | 4,653 |
| Total risk-based capital ratio | 14.0994% | 4,612 |
| Memoranda: | ||
| Average total assets | $185,131,000 | 3,176 |
| Average earning assets | $170,987,000 | 3,166 |
| Average equity | $16,613,000 | 3,649 |
| Average total loans | $120,942,500 | 3,083 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 2,656 |
| Cost of funding earning assets | 0.4001% | 3,689 |
| Net interest margin | 3.8865% | 2,293 |
| Noninterest income to average assets | 0.9349% | 1,399 |
| Noninterest expense to average assets | 3.5939% | 1,322 |
| Loan and lease loss provision to assets | -0.0094% | 5,913 |
| Net operating income to assets | 0.9384% | 2,685 |
| Return on assets (ROA) | 0.9384% | 2,775 |
| Pretax return on assets | 0.9384% | 3,749 |
| Return on Equity (ROE) | 10.1315% | 2,054 |
| Retained earnings to average equity (ytd only) | 4.7592% | 2,791 |
| Net charge-offs to loans | 0.1094% | 2,955 |
| Credit loss provision to net charge-offs | -12.5000% | 5,325 |
| Earnings coverage of net charge-offs (x) | 12.3984% | 2,378 |
| Efficiency ratio | 79.4590% | 2,006 |
| Assets per employee ($millions) | 2.9954% | 5,703 |
| Cash dividends to net income (ytd only)* | 53.0256% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 3,503 |
| Loan loss allowance to noncurrent loans | 61.5294% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5001% | 1,820 |
| Noncurrent loans to loans | 2.0907% | 1,304 |
| Net loans and leases to total assets | 64.8307% | 3,083 |
| Net loans and leases to deposits | 71.5986% | 3,726 |
| Net loans and leases to core deposits | 73.8652% | 3,929 |
| Total domestic deposits to total assets | 90.5474% | 525 |
| Equity capital to assets | 8.8748% | 5,406 |
| Core capital (leverage) ratio | 8.7684% | 5,269 |
| Tier 1 risk-based capital ratio | 12.5893% | 4,983 |
| Total risk-based capital ratio | 13.8233% | 4,905 |
| Memoranda: | ||
| Average total assets | $170,819,000 | 3,327 |
| Average earning assets | $157,700,600 | 3,319 |
| Average equity | $15,822,000 | 3,701 |
| Average total loans | $117,029,400 | 3,100 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 2,403 |
| Cost of funding earning assets | 0.3924% | 3,871 |
| Net interest margin | 3.9630% | 1,986 |
| Noninterest income to average assets | 0.8937% | 1,542 |
| Noninterest expense to average assets | 3.7247% | 1,086 |
| Loan and lease loss provision to assets | -0.0958% | 6,263 |
| Net operating income to assets | 0.9232% | 2,804 |
| Return on assets (ROA) | 0.9232% | 2,901 |
| Pretax return on assets | 0.9232% | 3,893 |
| Return on Equity (ROE) | 9.8527% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.7432% | 3,248 |
| Net charge-offs to loans | 0.1462% | 2,334 |
| Credit loss provision to net charge-offs | -94.4882% | 5,440 |
| Earnings coverage of net charge-offs (x) | 8.1653% | 2,846 |
| Efficiency ratio | 81.8230% | 1,644 |
| Assets per employee ($millions) | 3.0242% | 5,701 |
| Cash dividends to net income (ytd only)* | 51.8582% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 3,816 |
| Loan loss allowance to noncurrent loans | 42.9031% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.1570% | 1,295 |
| Noncurrent loans to loans | 2.9596% | 907 |
| Net loans and leases to total assets | 67.3058% | 2,645 |
| Net loans and leases to deposits | 75.0092% | 3,313 |
| Net loans and leases to core deposits | 77.4842% | 3,586 |
| Total domestic deposits to total assets | 89.7300% | 861 |
| Equity capital to assets | 9.5922% | 4,680 |
| Core capital (leverage) ratio | 9.1944% | 4,798 |
| Tier 1 risk-based capital ratio | 13.1725% | 4,749 |
| Total risk-based capital ratio | 14.4038% | 4,696 |
| Memoranda: | ||
| Average total assets | $167,094,750 | 3,402 |
| Average earning assets | $154,257,750 | 3,398 |
| Average equity | $15,657,000 | 3,742 |
| Average total loans | $115,794,250 | 3,134 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 2,390 |
| Cost of funding earning assets | 0.4041% | 3,831 |
| Net interest margin | 3.9441% | 1,995 |
| Noninterest income to average assets | 0.9150% | 1,445 |
| Noninterest expense to average assets | 3.6239% | 1,253 |
| Loan and lease loss provision to assets | -0.0601% | 6,314 |
| Net operating income to assets | 0.9895% | 2,363 |
| Return on assets (ROA) | 0.9895% | 2,443 |
| Pretax return on assets | 0.9895% | 3,519 |
| Return on Equity (ROE) | 10.6461% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.4420% | 2,069 |
| Net charge-offs to loans | 0.1156% | 2,505 |
| Credit loss provision to net charge-offs | -74.6269% | 5,217 |
| Earnings coverage of net charge-offs (x) | 11.5373% | 2,150 |
| Efficiency ratio | 79.5881% | 2,081 |
| Assets per employee ($millions) | 3.1009% | 5,597 |
| Cash dividends to net income (ytd only)* | 39.4897% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 3,431 |
| Loan loss allowance to noncurrent loans | 47.0935% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.0239% | 1,572 |
| Noncurrent loans to loans | 2.9401% | 1,005 |
| Net loans and leases to total assets | 67.8851% | 2,428 |
| Net loans and leases to deposits | 76.5609% | 2,980 |
| Net loans and leases to core deposits | 79.2831% | 3,290 |
| Total domestic deposits to total assets | 88.6682% | 1,557 |
| Equity capital to assets | 9.6041% | 4,620 |
| Core capital (leverage) ratio | 9.2960% | 4,596 |
| Tier 1 risk-based capital ratio | 13.2512% | 4,757 |
| Total risk-based capital ratio | 14.5027% | 4,689 |
| Memoranda: | ||
| Average total assets | $166,340,670 | 3,432 |
| Average earning assets | $153,444,670 | 3,422 |
| Average equity | $15,461,000 | 3,778 |
| Average total loans | $115,908,000 | 3,138 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,305 |
| Cost of funding earning assets | 0.4049% | 3,909 |
| Net interest margin | 3.9523% | 1,922 |
| Noninterest income to average assets | 0.9120% | 1,354 |
| Noninterest expense to average assets | 3.4550% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1074% | 1,788 |
| Return on assets (ROA) | 1.1074% | 1,842 |
| Pretax return on assets | 1.1074% | 2,871 |
| Return on Equity (ROE) | 12.1184% | 1,382 |
| Retained earnings to average equity (ytd only) | 6.8381% | 2,123 |
| Net charge-offs to loans | 0.0895% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.6538% | 1,450 |
| Efficiency ratio | 75.7271% | 2,845 |
| Assets per employee ($millions) | 3.1328% | 5,627 |
| Cash dividends to net income (ytd only)* | 43.5730% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 3,415 |
| Loan loss allowance to noncurrent loans | 50.7216% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.0032% | 1,710 |
| Noncurrent loans to loans | 2.8392% | 1,158 |
| Net loans and leases to total assets | 69.5371% | 1,977 |
| Net loans and leases to deposits | 80.3214% | 2,251 |
| Net loans and leases to core deposits | 82.9434% | 2,648 |
| Total domestic deposits to total assets | 86.5736% | 3,064 |
| Equity capital to assets | 9.3081% | 4,752 |
| Core capital (leverage) ratio | 9.2983% | 4,580 |
| Tier 1 risk-based capital ratio | 12.7557% | 5,158 |
| Total risk-based capital ratio | 14.0077% | 5,093 |
| Memoranda: | ||
| Average total assets | $165,786,500 | 3,468 |
| Average earning assets | $153,126,500 | 3,457 |
| Average equity | $15,150,500 | 3,840 |
| Average total loans | $116,227,500 | 3,152 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 2,087 |
| Cost of funding earning assets | 0.4783% | 3,834 |
| Net interest margin | 4.0533% | 1,793 |
| Noninterest income to average assets | 1.1274% | 1,106 |
| Noninterest expense to average assets | 3.6546% | 1,363 |
| Loan and lease loss provision to assets | 0.1885% | 1,958 |
| Net operating income to assets | 0.9942% | 2,347 |
| Return on assets (ROA) | 1.0100% | 2,345 |
| Pretax return on assets | 1.0100% | 3,313 |
| Return on Equity (ROE) | 11.0057% | 1,765 |
| Retained earnings to average equity (ytd only) | 3.5515% | 3,689 |
| Net charge-offs to loans | 0.0072% | 5,314 |
| Credit loss provision to net charge-offs | 3,875.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 243.1250% | 187 |
| Efficiency ratio | 75.5500% | 2,852 |
| Assets per employee ($millions) | 3.1233% | 5,630 |
| Cash dividends to net income (ytd only)* | 67.7303% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 3,261 |
| Loan loss allowance to noncurrent loans | 56.7971% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 1,686 |
| Noncurrent loans to loans | 2.6156% | 1,426 |
| Net loans and leases to total assets | 68.6242% | 2,234 |
| Net loans and leases to deposits | 77.4613% | 2,791 |
| Net loans and leases to core deposits | 79.9461% | 3,143 |
| Total domestic deposits to total assets | 88.5915% | 1,860 |
| Equity capital to assets | 8.9685% | 5,073 |
| Core capital (leverage) ratio | 9.2005% | 4,723 |
| Tier 1 risk-based capital ratio | 12.6744% | 5,190 |
| Total risk-based capital ratio | 13.9264% | 5,140 |
| Memoranda: | ||
| Average total assets | $164,448,600 | 3,495 |
| Average earning assets | $150,518,600 | 3,492 |
| Average equity | $15,092,200 | 3,850 |
| Average total loans | $110,434,200 | 3,236 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,146 |
| Cost of funding earning assets | 0.4975% | 3,790 |
| Net interest margin | 4.0255% | 1,856 |
| Noninterest income to average assets | 1.1946% | 1,031 |
| Noninterest expense to average assets | 3.7219% | 1,218 |
| Loan and lease loss provision to assets | 0.2355% | 1,532 |
| Net operating income to assets | 0.9169% | 2,752 |
| Return on assets (ROA) | 0.9380% | 2,760 |
| Pretax return on assets | 0.9380% | 3,729 |
| Return on Equity (ROE) | 10.1622% | 2,120 |
| Retained earnings to average equity (ytd only) | 2.6836% | 4,709 |
| Net charge-offs to loans | -0.0891% | 6,465 |
| Credit loss provision to net charge-offs | -397.2603% | 6,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3579% | 2,675 |
| Assets per employee ($millions) | 3.0777% | 5,719 |
| Cash dividends to net income (ytd only)* | 73.5935% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,088 |
| Loan loss allowance to noncurrent loans | 58.3361% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.4265% | 1,597 |
| Noncurrent loans to loans | 2.7110% | 1,556 |
| Net loans and leases to total assets | 67.6792% | 2,338 |
| Net loans and leases to deposits | 74.8261% | 3,110 |
| Net loans and leases to core deposits | 77.2888% | 3,461 |
| Total domestic deposits to total assets | 90.4486% | 766 |
| Equity capital to assets | 8.9169% | 5,281 |
| Core capital (leverage) ratio | 9.0577% | 5,033 |
| Tier 1 risk-based capital ratio | 12.7606% | 5,288 |
| Total risk-based capital ratio | 14.0136% | 5,222 |
| Memoranda: | ||
| Average total assets | $164,177,000 | 3,530 |
| Average earning assets | $150,071,750 | 3,532 |
| Average equity | $15,153,750 | 3,886 |
| Average total loans | $109,215,250 | 3,285 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,004 |
| Cost of funding earning assets | 0.5108% | 3,799 |
| Net interest margin | 4.0477% | 1,704 |
| Noninterest income to average assets | 1.2970% | 921 |
| Noninterest expense to average assets | 3.6942% | 1,255 |
| Loan and lease loss provision to assets | 0.3161% | 1,122 |
| Net operating income to assets | 0.9858% | 2,388 |
| Return on assets (ROA) | 1.0114% | 2,412 |
| Pretax return on assets | 1.0114% | 3,458 |
| Return on Equity (ROE) | 10.8357% | 1,866 |
| Retained earnings to average equity (ytd only) | 3.0215% | 4,397 |
| Net charge-offs to loans | -0.1238% | 6,560 |
| Credit loss provision to net charge-offs | -388.0597% | 5,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9416% | 3,143 |
| Assets per employee ($millions) | 3.0639% | 5,739 |
| Cash dividends to net income (ytd only)* | 72.1154% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,127 |
| Loan loss allowance to noncurrent loans | 56.1370% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.4971% | 1,694 |
| Noncurrent loans to loans | 2.8646% | 1,574 |
| Net loans and leases to total assets | 65.4847% | 2,681 |
| Net loans and leases to deposits | 72.5365% | 3,373 |
| Net loans and leases to core deposits | 75.0755% | 3,665 |
| Total domestic deposits to total assets | 90.2783% | 874 |
| Equity capital to assets | 9.0764% | 5,141 |
| Core capital (leverage) ratio | 8.9199% | 5,114 |
| Tier 1 risk-based capital ratio | 13.1751% | 5,013 |
| Total risk-based capital ratio | 14.4291% | 4,950 |
| Memoranda: | ||
| Average total assets | $164,530,000 | 3,550 |
| Average earning assets | $150,355,330 | 3,543 |
| Average equity | $15,356,670 | 3,880 |
| Average total loans | $108,230,000 | 3,315 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,901 |
| Cost of funding earning assets | 0.5196% | 3,888 |
| Net interest margin | 4.0585% | 1,593 |
| Noninterest income to average assets | 1.3961% | 790 |
| Noninterest expense to average assets | 3.5604% | 1,498 |
| Loan and lease loss provision to assets | 0.2657% | 1,336 |
| Net operating income to assets | 1.2681% | 1,358 |
| Return on assets (ROA) | 1.2681% | 1,460 |
| Pretax return on assets | 1.2681% | 2,345 |
| Return on Equity (ROE) | 13.4053% | 1,075 |
| Retained earnings to average equity (ytd only) | 3.1917% | 4,340 |
| Net charge-offs to loans | -0.0628% | 6,233 |
| Credit loss provision to net charge-offs | -647.0588% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8909% | 3,996 |
| Assets per employee ($millions) | 3.0686% | 5,875 |
| Cash dividends to net income (ytd only)* | 76.1905% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,118 |
| Loan loss allowance to noncurrent loans | 79.5243% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.2892% | 2,034 |
| Noncurrent loans to loans | 1.7888% | 2,879 |
| Net loans and leases to total assets | 65.5324% | 2,451 |
| Net loans and leases to deposits | 73.4671% | 2,991 |
| Net loans and leases to core deposits | 76.0348% | 3,322 |
| Total domestic deposits to total assets | 89.1997% | 1,560 |
| Equity capital to assets | 9.5638% | 4,765 |
| Core capital (leverage) ratio | 8.7047% | 5,322 |
| Tier 1 risk-based capital ratio | 12.9175% | 5,290 |
| Total risk-based capital ratio | 14.1684% | 5,237 |
| Memoranda: | ||
| Average total assets | $165,600,500 | 3,573 |
| Average earning assets | $150,894,000 | 3,577 |
| Average equity | $15,665,500 | 3,879 |
| Average total loans | $108,306,000 | 3,325 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 2,334 |
| Cost of funding earning assets | 0.6444% | 3,965 |
| Net interest margin | 4.1232% | 1,906 |
| Noninterest income to average assets | 1.6605% | 580 |
| Noninterest expense to average assets | 3.9308% | 1,063 |
| Loan and lease loss provision to assets | 0.3280% | 2,072 |
| Net operating income to assets | 1.1342% | 1,824 |
| Return on assets (ROA) | 1.1342% | 1,997 |
| Pretax return on assets | 1.1342% | 3,037 |
| Return on Equity (ROE) | 12.1271% | 1,473 |
| Retained earnings to average equity (ytd only) | 2.4922% | 4,475 |
| Net charge-offs to loans | 0.4379% | 2,483 |
| Credit loss provision to net charge-offs | 116.4179% | 2,477 |
| Earnings coverage of net charge-offs (x) | 5.1898% | 3,114 |
| Efficiency ratio | 72.8863% | 3,260 |
| Assets per employee ($millions) | 3.1216% | 5,804 |
| Cash dividends to net income (ytd only)* | 79.4492% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,632 |
| Loan loss allowance to noncurrent loans | 578.2787% | 719 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 3,372 |
| Noncurrent loans to loans | 0.2249% | 5,916 |
| Net loans and leases to total assets | 63.5267% | 2,973 |
| Net loans and leases to deposits | 71.0004% | 3,561 |
| Net loans and leases to core deposits | 73.3831% | 3,865 |
| Total domestic deposits to total assets | 89.4736% | 1,263 |
| Equity capital to assets | 9.3595% | 5,058 |
| Core capital (leverage) ratio | 8.6691% | 5,371 |
| Tier 1 risk-based capital ratio | 12.7163% | 5,320 |
| Total risk-based capital ratio | 13.9478% | 5,268 |
| Memoranda: | ||
| Average total assets | $166,454,800 | 3,511 |
| Average earning assets | $150,684,000 | 3,540 |
| Average equity | $15,568,400 | 3,848 |
| Average total loans | $107,091,800 | 3,352 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 2,566 |
| Cost of funding earning assets | 0.6683% | 4,030 |
| Net interest margin | 4.0852% | 2,143 |
| Noninterest income to average assets | 1.4793% | 684 |
| Noninterest expense to average assets | 3.7333% | 1,320 |
| Loan and lease loss provision to assets | 0.3222% | 2,047 |
| Net operating income to assets | 1.1177% | 2,034 |
| Return on assets (ROA) | 1.1177% | 2,227 |
| Pretax return on assets | 1.1177% | 3,282 |
| Return on Equity (ROE) | 11.9528% | 1,654 |
| Retained earnings to average equity (ytd only) | 3.3598% | 4,505 |
| Net charge-offs to loans | 0.3560% | 2,675 |
| Credit loss provision to net charge-offs | 140.7018% | 2,050 |
| Earnings coverage of net charge-offs (x) | 6.2877% | 2,818 |
| Efficiency ratio | 72.1653% | 3,295 |
| Assets per employee ($millions) | 3.1887% | 5,656 |
| Cash dividends to net income (ytd only)* | 71.8907% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,686 |
| Loan loss allowance to noncurrent loans | 218.7029% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 1.8491% | 2,866 |
| Noncurrent loans to loans | 0.6072% | 5,222 |
| Net loans and leases to total assets | 63.7491% | 3,068 |
| Net loans and leases to deposits | 71.2893% | 3,707 |
| Net loans and leases to core deposits | 73.5801% | 4,028 |
| Total domestic deposits to total assets | 89.4231% | 1,176 |
| Equity capital to assets | 9.4225% | 5,303 |
| Core capital (leverage) ratio | 8.5731% | 5,663 |
| Tier 1 risk-based capital ratio | 12.6434% | 5,530 |
| Total risk-based capital ratio | 13.8937% | 5,487 |
| Memoranda: | ||
| Average total assets | $165,926,750 | 3,556 |
| Average earning assets | $150,034,500 | 3,583 |
| Average equity | $15,516,250 | 3,897 |
| Average total loans | $106,740,750 | 3,398 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 2,901 |
| Cost of funding earning assets | 0.6976% | 4,033 |
| Net interest margin | 4.0063% | 2,477 |
| Noninterest income to average assets | 1.3936% | 740 |
| Noninterest expense to average assets | 3.8677% | 1,122 |
| Loan and lease loss provision to assets | 0.3044% | 2,161 |
| Net operating income to assets | 0.8296% | 3,245 |
| Return on assets (ROA) | 0.8296% | 3,509 |
| Pretax return on assets | 0.8296% | 4,361 |
| Return on Equity (ROE) | 8.8945% | 2,858 |
| Retained earnings to average equity (ytd only) | 1.0923% | 5,636 |
| Net charge-offs to loans | 0.3984% | 2,431 |
| Credit loss provision to net charge-offs | 118.9573% | 2,315 |
| Earnings coverage of net charge-offs (x) | 4.4313% | 3,088 |
| Efficiency ratio | 77.3278% | 2,550 |
| Assets per employee ($millions) | 3.1502% | 5,745 |
| Cash dividends to net income (ytd only)* | 87.7193% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 5,001 |
| Loan loss allowance to noncurrent loans | 171.7500% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 2.0520% | 2,720 |
| Noncurrent loans to loans | 0.7434% | 5,023 |
| Net loans and leases to total assets | 63.6332% | 3,119 |
| Net loans and leases to deposits | 71.5169% | 3,685 |
| Net loans and leases to core deposits | 74.0254% | 4,033 |
| Total domestic deposits to total assets | 88.9764% | 1,519 |
| Equity capital to assets | 9.2531% | 5,389 |
| Core capital (leverage) ratio | 8.4868% | 5,668 |
| Tier 1 risk-based capital ratio | 12.6771% | 5,434 |
| Total risk-based capital ratio | 13.8966% | 5,437 |
| Memoranda: | ||
| Average total assets | $164,902,330 | 3,587 |
| Average earning assets | $148,516,670 | 3,630 |
| Average equity | $15,380,330 | 3,914 |
| Average total loans | $105,925,670 | 3,434 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 2,979 |
| Cost of funding earning assets | 0.7246% | 4,083 |
| Net interest margin | 3.9937% | 2,534 |
| Noninterest income to average assets | 1.1814% | 1,023 |
| Noninterest expense to average assets | 3.8347% | 1,159 |
| Loan and lease loss provision to assets | 0.1806% | 3,165 |
| Net operating income to assets | 0.7445% | 3,655 |
| Return on assets (ROA) | 0.7445% | 3,890 |
| Pretax return on assets | 0.7445% | 4,629 |
| Return on Equity (ROE) | 7.9500% | 3,304 |
| Retained earnings to average equity (ytd only) | 2.7369% | 4,887 |
| Net charge-offs to loans | 0.0761% | 3,737 |
| Credit loss provision to net charge-offs | 370.0000% | 842 |
| Earnings coverage of net charge-offs (x) | 18.9500% | 1,244 |
| Efficiency ratio | 80.5641% | 2,136 |
| Assets per employee ($millions) | 3.2032% | 5,765 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 4,998 |
| Loan loss allowance to noncurrent loans | 92.6569% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 2.6134% | 2,263 |
| Noncurrent loans to loans | 1.4084% | 3,994 |
| Net loans and leases to total assets | 63.0203% | 3,042 |
| Net loans and leases to deposits | 70.7571% | 3,619 |
| Net loans and leases to core deposits | 73.6329% | 3,942 |
| Total domestic deposits to total assets | 89.0657% | 1,658 |
| Equity capital to assets | 9.2437% | 5,173 |
| Core capital (leverage) ratio | 8.5025% | 5,583 |
| Tier 1 risk-based capital ratio | 12.6407% | 5,489 |
| Total risk-based capital ratio | 13.8668% | 5,478 |
| Memoranda: | ||
| Average total assets | $163,873,500 | 3,623 |
| Average earning assets | $146,833,000 | 3,685 |
| Average equity | $15,346,000 | 3,924 |
| Average total loans | $105,080,500 | 3,480 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 2,572 |
| Cost of funding earning assets | 0.9764% | 3,530 |
| Net interest margin | 4.0918% | 2,458 |
| Noninterest income to average assets | 1.2520% | 830 |
| Noninterest expense to average assets | 4.0044% | 1,031 |
| Loan and lease loss provision to assets | 0.2031% | 4,152 |
| Net operating income to assets | 0.6688% | 3,635 |
| Return on assets (ROA) | 0.6867% | 3,737 |
| Pretax return on assets | 0.6867% | 4,381 |
| Return on Equity (ROE) | 7.2892% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.3261% | 3,104 |
| Net charge-offs to loans | 0.3064% | 3,868 |
| Credit loss provision to net charge-offs | 100.3155% | 3,485 |
| Earnings coverage of net charge-offs (x) | 4.3060% | 3,171 |
| Efficiency ratio | 82.1195% | 2,003 |
| Assets per employee ($millions) | 3.0996% | 5,895 |
| Cash dividends to net income (ytd only)* | 40.6512% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,995 |
| Loan loss allowance to noncurrent loans | 133.6673% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 3.0308% | 1,979 |
| Noncurrent loans to loans | 0.9614% | 4,787 |
| Net loans and leases to total assets | 63.5736% | 3,275 |
| Net loans and leases to deposits | 71.6991% | 3,847 |
| Net loans and leases to core deposits | 74.7287% | 4,144 |
| Total domestic deposits to total assets | 88.6673% | 1,739 |
| Equity capital to assets | 9.4894% | 4,904 |
| Core capital (leverage) ratio | 8.7288% | 5,206 |
| Tier 1 risk-based capital ratio | 12.6103% | 5,363 |
| Total risk-based capital ratio | 13.7945% | 5,400 |
| Memoranda: | ||
| Average total assets | $156,552,400 | 3,689 |
| Average earning assets | $138,667,400 | 3,769 |
| Average equity | $14,747,800 | 3,959 |
| Average total loans | $103,476,200 | 3,532 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 2,768 |
| Cost of funding earning assets | 1.0305% | 3,462 |
| Net interest margin | 4.0359% | 2,749 |
| Noninterest income to average assets | 1.1489% | 997 |
| Noninterest expense to average assets | 3.9331% | 1,098 |
| Loan and lease loss provision to assets | 0.2299% | 3,715 |
| Net operating income to assets | 0.5646% | 4,250 |
| Return on assets (ROA) | 0.5886% | 4,318 |
| Pretax return on assets | 0.5886% | 4,851 |
| Return on Equity (ROE) | 6.2599% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.6007% | 4,807 |
| Net charge-offs to loans | 0.3185% | 3,509 |
| Credit loss provision to net charge-offs | 108.5020% | 3,043 |
| Earnings coverage of net charge-offs (x) | 3.7489% | 3,315 |
| Efficiency ratio | 83.1942% | 1,831 |
| Assets per employee ($millions) | 3.0784% | 5,944 |
| Cash dividends to net income (ytd only)* | 58.4547% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 5,074 |
| Loan loss allowance to noncurrent loans | 76.2387% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 3.7956% | 1,636 |
| Noncurrent loans to loans | 1.6861% | 3,774 |
| Net loans and leases to total assets | 64.9546% | 3,118 |
| Net loans and leases to deposits | 73.5456% | 3,714 |
| Net loans and leases to core deposits | 76.8681% | 4,074 |
| Total domestic deposits to total assets | 88.3188% | 1,862 |
| Equity capital to assets | 9.4710% | 5,129 |
| Core capital (leverage) ratio | 8.8860% | 5,131 |
| Tier 1 risk-based capital ratio | 12.1502% | 5,780 |
| Total risk-based capital ratio | 13.3171% | 5,835 |
| Memoranda: | ||
| Average total assets | $155,395,500 | 3,735 |
| Average earning assets | $137,792,750 | 3,803 |
| Average equity | $14,611,000 | 3,999 |
| Average total loans | $103,394,750 | 3,559 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 2,965 |
| Cost of funding earning assets | 1.0914% | 3,306 |
| Net interest margin | 3.9495% | 3,089 |
| Noninterest income to average assets | 1.0713% | 1,149 |
| Noninterest expense to average assets | 3.9159% | 1,163 |
| Loan and lease loss provision to assets | 0.2574% | 3,339 |
| Net operating income to assets | 0.3887% | 5,000 |
| Return on assets (ROA) | 0.4251% | 4,983 |
| Pretax return on assets | 0.4251% | 5,319 |
| Return on Equity (ROE) | 4.5330% | 4,686 |
| Retained earnings to average equity (ytd only) | 0.2218% | 5,748 |
| Net charge-offs to loans | 0.4010% | 2,953 |
| Credit loss provision to net charge-offs | 96.1165% | 3,271 |
| Earnings coverage of net charge-offs (x) | 2.4126% | 3,608 |
| Efficiency ratio | 85.8364% | 1,616 |
| Assets per employee ($millions) | 2.8491% | 6,388 |
| Cash dividends to net income (ytd only)* | 95.1070% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 5,223 |
| Loan loss allowance to noncurrent loans | 78.2634% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 4.1808% | 1,520 |
| Noncurrent loans to loans | 1.6167% | 3,971 |
| Net loans and leases to total assets | 69.7893% | 2,265 |
| Net loans and leases to deposits | 79.4607% | 2,897 |
| Net loans and leases to core deposits | 83.6164% | 3,269 |
| Total domestic deposits to total assets | 87.8288% | 2,259 |
| Equity capital to assets | 9.8770% | 4,298 |
| Core capital (leverage) ratio | 9.1873% | 4,433 |
| Tier 1 risk-based capital ratio | 11.9961% | 5,792 |
| Total risk-based capital ratio | 13.1453% | 5,843 |
| Memoranda: | ||
| Average total assets | $153,834,670 | 3,782 |
| Average earning assets | $135,967,330 | 3,859 |
| Average equity | $14,427,670 | 4,030 |
| Average total loans | $102,749,000 | 3,614 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 3,399 |
| Cost of funding earning assets | 1.1798% | 2,945 |
| Net interest margin | 3.7529% | 3,830 |
| Noninterest income to average assets | 0.9497% | 1,473 |
| Noninterest expense to average assets | 3.7709% | 1,392 |
| Loan and lease loss provision to assets | 0.2145% | 3,506 |
| Net operating income to assets | 0.2859% | 5,478 |
| Return on assets (ROA) | 0.2859% | 5,549 |
| Pretax return on assets | 0.2859% | 5,701 |
| Return on Equity (ROE) | 3.1274% | 5,310 |
| Retained earnings to average equity (ytd only) | 1.9546% | 4,951 |
| Net charge-offs to loans | 0.6328% | 1,937 |
| Credit loss provision to net charge-offs | 52.1739% | 3,711 |
| Earnings coverage of net charge-offs (x) | 1.2174% | 3,752 |
| Efficiency ratio | 88.2845% | 1,478 |
| Assets per employee ($millions) | 2.8565% | 6,432 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 5,555 |
| Loan loss allowance to noncurrent loans | 87.2222% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 3.8146% | 1,766 |
| Noncurrent loans to loans | 1.3937% | 4,380 |
| Net loans and leases to total assets | 63.8033% | 3,471 |
| Net loans and leases to deposits | 70.3490% | 4,296 |
| Net loans and leases to core deposits | 73.7897% | 4,553 |
| Total domestic deposits to total assets | 90.6955% | 765 |
| Equity capital to assets | 9.0851% | 5,076 |
| Core capital (leverage) ratio | 8.5192% | 5,419 |
| Tier 1 risk-based capital ratio | 12.0635% | 5,629 |
| Total risk-based capital ratio | 13.1549% | 5,768 |
| Memoranda: | ||
| Average total assets | $156,675,500 | 3,763 |
| Average earning assets | $138,667,000 | 3,845 |
| Average equity | $14,325,000 | 4,041 |
| Average total loans | $101,763,500 | 3,677 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 3,072 |
| Cost of funding earning assets | 1.4286% | 3,078 |
| Net interest margin | 3.8829% | 3,568 |
| Noninterest income to average assets | 1.5587% | 604 |
| Noninterest expense to average assets | 4.0504% | 1,091 |
| Loan and lease loss provision to assets | 0.2899% | 4,481 |
| Net operating income to assets | 0.6779% | 3,309 |
| Return on assets (ROA) | 0.6904% | 3,392 |
| Pretax return on assets | 0.6904% | 4,008 |
| Return on Equity (ROE) | 7.3592% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.3116% | 2,823 |
| Net charge-offs to loans | 0.6438% | 3,086 |
| Credit loss provision to net charge-offs | 66.7678% | 5,939 |
| Earnings coverage of net charge-offs (x) | 2.2291% | 4,051 |
| Efficiency ratio | 80.7142% | 2,316 |
| Assets per employee ($millions) | 2.7390% | 6,624 |
| Cash dividends to net income (ytd only)* | 41.4122% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,851 |
| Loan loss allowance to noncurrent loans | 72.3277% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 4.6693% | 1,413 |
| Noncurrent loans to loans | 1.8392% | 3,766 |
| Net loans and leases to total assets | 64.4616% | 3,766 |
| Net loans and leases to deposits | 72.3537% | 4,457 |
| Net loans and leases to core deposits | 76.1655% | 4,688 |
| Total domestic deposits to total assets | 89.0922% | 1,598 |
| Equity capital to assets | 9.2036% | 4,837 |
| Core capital (leverage) ratio | 8.9160% | 4,666 |
| Tier 1 risk-based capital ratio | 12.1469% | 5,339 |
| Total risk-based capital ratio | 13.3192% | 5,392 |
| Memoranda: | ||
| Average total assets | $151,788,400 | 3,850 |
| Average earning assets | $135,235,200 | 3,907 |
| Average equity | $14,240,600 | 4,089 |
| Average total loans | $102,368,200 | 3,731 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3213% | 3,247 |
| Cost of funding earning assets | 1.4656% | 3,179 |
| Net interest margin | 3.8557% | 3,727 |
| Noninterest income to average assets | 1.4479% | 645 |
| Noninterest expense to average assets | 3.8240% | 1,333 |
| Loan and lease loss provision to assets | 0.2448% | 4,642 |
| Net operating income to assets | 0.8243% | 2,900 |
| Return on assets (ROA) | 0.8411% | 2,969 |
| Pretax return on assets | 0.8411% | 3,769 |
| Return on Equity (ROE) | 8.9220% | 2,518 |
| Retained earnings to average equity (ytd only) | 6.2407% | 2,238 |
| Net charge-offs to loans | 0.6517% | 2,804 |
| Credit loss provision to net charge-offs | 55.2684% | 5,796 |
| Earnings coverage of net charge-offs (x) | 2.4135% | 3,971 |
| Efficiency ratio | 78.1497% | 2,609 |
| Assets per employee ($millions) | 2.6285% | 6,888 |
| Cash dividends to net income (ytd only)* | 30.0526% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 4,982 |
| Loan loss allowance to noncurrent loans | 51.9984% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 4.9611% | 1,301 |
| Noncurrent loans to loans | 2.4948% | 3,124 |
| Net loans and leases to total assets | 67.3891% | 3,355 |
| Net loans and leases to deposits | 76.2199% | 4,145 |
| Net loans and leases to core deposits | 80.5513% | 4,438 |
| Total domestic deposits to total assets | 88.4140% | 1,720 |
| Equity capital to assets | 9.8647% | 4,337 |
| Core capital (leverage) ratio | 9.2750% | 4,241 |
| Tier 1 risk-based capital ratio | 12.2587% | 5,212 |
| Total risk-based capital ratio | 13.4311% | 5,258 |
| Memoranda: | ||
| Average total assets | $151,389,000 | 3,906 |
| Average earning assets | $135,277,750 | 3,964 |
| Average equity | $14,271,500 | 4,141 |
| Average total loans | $102,908,250 | 3,768 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 3,702 |
| Cost of funding earning assets | 1.5021% | 3,249 |
| Net interest margin | 3.7501% | 4,132 |
| Noninterest income to average assets | 1.1033% | 1,087 |
| Noninterest expense to average assets | 3.5982% | 1,785 |
| Loan and lease loss provision to assets | 0.1409% | 5,484 |
| Net operating income to assets | 0.7267% | 3,290 |
| Return on assets (ROA) | 0.7267% | 3,449 |
| Pretax return on assets | 0.7267% | 4,152 |
| Return on Equity (ROE) | 7.8287% | 2,947 |
| Retained earnings to average equity (ytd only) | 5.1198% | 2,840 |
| Net charge-offs to loans | 0.6750% | 2,530 |
| Credit loss provision to net charge-offs | 30.7471% | 5,723 |
| Earnings coverage of net charge-offs (x) | 1.8937% | 4,105 |
| Efficiency ratio | 80.5719% | 2,361 |
| Assets per employee ($millions) | 2.7268% | 6,738 |
| Cash dividends to net income (ytd only)* | 34.6014% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 5,018 |
| Loan loss allowance to noncurrent loans | 48.3942% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 4.9678% | 1,303 |
| Noncurrent loans to loans | 2.6518% | 2,988 |
| Net loans and leases to total assets | 68.4870% | 3,251 |
| Net loans and leases to deposits | 77.3304% | 4,110 |
| Net loans and leases to core deposits | 81.6202% | 4,477 |
| Total domestic deposits to total assets | 88.5641% | 1,694 |
| Equity capital to assets | 9.8039% | 4,256 |
| Core capital (leverage) ratio | 9.1256% | 4,418 |
| Tier 1 risk-based capital ratio | 12.0056% | 5,302 |
| Total risk-based capital ratio | 13.1646% | 5,359 |
| Memoranda: | ||
| Average total assets | $151,909,670 | 3,921 |
| Average earning assets | $136,210,670 | 3,968 |
| Average equity | $14,102,000 | 4,179 |
| Average total loans | $103,113,000 | 3,800 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 4,059 |
| Cost of funding earning assets | 1.5394% | 3,332 |
| Net interest margin | 3.6532% | 4,473 |
| Noninterest income to average assets | 0.9466% | 1,461 |
| Noninterest expense to average assets | 3.5944% | 1,749 |
| Loan and lease loss provision to assets | 0.3345% | 3,387 |
| Net operating income to assets | 0.3164% | 5,224 |
| Return on assets (ROA) | 0.3164% | 5,353 |
| Pretax return on assets | 0.3164% | 5,556 |
| Return on Equity (ROE) | 3.5020% | 5,116 |
| Retained earnings to average equity (ytd only) | 0.7463% | 5,526 |
| Net charge-offs to loans | 0.6603% | 2,172 |
| Credit loss provision to net charge-offs | 75.4386% | 3,990 |
| Earnings coverage of net charge-offs (x) | 1.4678% | 3,857 |
| Efficiency ratio | 84.6671% | 1,954 |
| Assets per employee ($millions) | 2.8232% | 6,582 |
| Cash dividends to net income (ytd only)* | 78.6885% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,151 |
| Loan loss allowance to noncurrent loans | 27.5397% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 4.9389% | 1,317 |
| Noncurrent loans to loans | 5.2846% | 1,340 |
| Net loans and leases to total assets | 65.8468% | 3,898 |
| Net loans and leases to deposits | 73.6121% | 4,804 |
| Net loans and leases to core deposits | 77.5153% | 5,083 |
| Total domestic deposits to total assets | 89.4511% | 1,265 |
| Equity capital to assets | 9.0091% | 5,266 |
| Core capital (leverage) ratio | 8.5582% | 5,280 |
| Tier 1 risk-based capital ratio | 11.8453% | 5,349 |
| Total risk-based capital ratio | 13.0962% | 5,298 |
| Memoranda: | ||
| Average total assets | $154,241,000 | 3,943 |
| Average earning assets | $139,275,000 | 3,979 |
| Average equity | $13,935,000 | 4,259 |
| Average total loans | $103,591,500 | 3,837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 3,085 |
| Cost of funding earning assets | 1.9500% | 3,212 |
| Net interest margin | 3.7545% | 3,892 |
| Noninterest income to average assets | 1.4382% | 706 |
| Noninterest expense to average assets | 3.8548% | 1,583 |
| Loan and lease loss provision to assets | 0.7368% | 2,905 |
| Net operating income to assets | 0.2403% | 4,759 |
| Return on assets (ROA) | 0.3604% | 4,389 |
| Pretax return on assets | 0.3604% | 4,613 |
| Return on Equity (ROE) | 4.1009% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.2606% | 4,159 |
| Net charge-offs to loans | 0.5724% | 3,503 |
| Credit loss provision to net charge-offs | 182.4793% | 2,257 |
| Earnings coverage of net charge-offs (x) | 2.4198% | 3,918 |
| Efficiency ratio | 79.7790% | 2,920 |
| Assets per employee ($millions) | 2.7855% | 6,679 |
| Cash dividends to net income (ytd only)* | 69.2593% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,723 |
| Loan loss allowance to noncurrent loans | 31.1897% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 4.6846% | 1,359 |
| Noncurrent loans to loans | 4.8111% | 1,432 |
| Net loans and leases to total assets | 66.4965% | 4,039 |
| Net loans and leases to deposits | 74.4169% | 4,963 |
| Net loans and leases to core deposits | 85.1144% | 5,605 |
| Total domestic deposits to total assets | 89.3567% | 1,289 |
| Equity capital to assets | 9.0604% | 5,049 |
| Core capital (leverage) ratio | 8.7100% | 4,910 |
| Tier 1 risk-based capital ratio | 11.7653% | 5,144 |
| Total risk-based capital ratio | 13.0173% | 5,106 |
| Memoranda: | ||
| Average total assets | $149,837,800 | 3,961 |
| Average earning assets | $135,439,200 | 3,989 |
| Average equity | $13,168,000 | 4,470 |
| Average total loans | $105,703,000 | 3,786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7536% | 3,087 |
| Cost of funding earning assets | 2.0438% | 3,150 |
| Net interest margin | 3.7099% | 4,025 |
| Noninterest income to average assets | 1.3584% | 821 |
| Noninterest expense to average assets | 3.7423% | 1,719 |
| Loan and lease loss provision to assets | 0.9647% | 1,991 |
| Net operating income to assets | 0.0089% | 5,693 |
| Return on assets (ROA) | 0.0089% | 5,748 |
| Pretax return on assets | 0.0089% | 5,684 |
| Return on Equity (ROE) | 0.1026% | 5,744 |
| Retained earnings to average equity (ytd only) | -2.7611% | 5,889 |
| Net charge-offs to loans | 0.4504% | 3,432 |
| Credit loss provision to net charge-offs | 300.2786% | 1,365 |
| Earnings coverage of net charge-offs (x) | 3.0307% | 3,714 |
| Efficiency ratio | 79.3548% | 2,945 |
| Assets per employee ($millions) | 2.6708% | 6,910 |
| Cash dividends to net income (ytd only)* | 2,790.6227% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 2,639 |
| Loan loss allowance to noncurrent loans | 32.6998% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 5.4332% | 1,061 |
| Noncurrent loans to loans | 5.1952% | 1,239 |
| Net loans and leases to total assets | 69.8030% | 3,564 |
| Net loans and leases to deposits | 78.4260% | 4,675 |
| Net loans and leases to core deposits | 90.9692% | 5,337 |
| Total domestic deposits to total assets | 89.0048% | 1,191 |
| Equity capital to assets | 9.3041% | 5,031 |
| Core capital (leverage) ratio | 8.4284% | 5,623 |
| Tier 1 risk-based capital ratio | 11.3645% | 5,575 |
| Total risk-based capital ratio | 12.6188% | 5,509 |
| Memoranda: | ||
| Average total assets | $148,996,000 | 3,991 |
| Average earning assets | $134,844,750 | 4,026 |
| Average equity | $12,989,750 | 4,541 |
| Average total loans | $106,271,750 | 3,817 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7771% | 3,150 |
| Cost of funding earning assets | 2.1437% | 3,070 |
| Net interest margin | 3.6334% | 4,231 |
| Noninterest income to average assets | 1.8010% | 452 |
| Noninterest expense to average assets | 3.7115% | 1,817 |
| Loan and lease loss provision to assets | 1.4389% | 1,208 |
| Net operating income to assets | -0.0615% | 5,942 |
| Return on assets (ROA) | -0.0615% | 6,006 |
| Pretax return on assets | -0.0615% | 5,951 |
| Return on Equity (ROE) | -0.7208% | 6,032 |
| Retained earnings to average equity (ytd only) | -3.5882% | 6,064 |
| Net charge-offs to loans | 0.3666% | 3,355 |
| Credit loss provision to net charge-offs | 549.4898% | 846 |
| Earnings coverage of net charge-offs (x) | 5.2602% | 2,875 |
| Efficiency ratio | 72.9325% | 4,216 |
| Assets per employee ($millions) | 2.6457% | 6,963 |
| Cash dividends to net income (ytd only)* | -397.8261% | 8,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 1,930 |
| Loan loss allowance to noncurrent loans | 34.2422% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 5.0265% | 1,050 |
| Noncurrent loans to loans | 5.3864% | 1,088 |
| Net loans and leases to total assets | 65.9366% | 4,573 |
| Net loans and leases to deposits | 73.2616% | 5,572 |
| Net loans and leases to core deposits | 85.9095% | 5,915 |
| Total domestic deposits to total assets | 90.0015% | 832 |
| Equity capital to assets | 8.4468% | 6,127 |
| Core capital (leverage) ratio | 8.4559% | 5,515 |
| Tier 1 risk-based capital ratio | 11.0524% | 5,829 |
| Total risk-based capital ratio | 12.3071% | 5,739 |
| Memoranda: | ||
| Average total assets | $149,697,330 | 3,996 |
| Average earning assets | $135,465,330 | 4,042 |
| Average equity | $12,764,000 | 4,606 |
| Average total loans | $106,926,670 | 3,835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8861% | 2,866 |
| Cost of funding earning assets | 2.2062% | 3,134 |
| Net interest margin | 3.6800% | 3,981 |
| Noninterest income to average assets | 1.8021% | 420 |
| Noninterest expense to average assets | 3.7488% | 1,567 |
| Loan and lease loss provision to assets | 2.1352% | 554 |
| Net operating income to assets | -0.7481% | 7,095 |
| Return on assets (ROA) | -0.7481% | 7,127 |
| Pretax return on assets | -0.7481% | 7,000 |
| Return on Equity (ROE) | -8.7306% | 7,282 |
| Retained earnings to average equity (ytd only) | -11.9170% | 7,259 |
| Net charge-offs to loans | 0.3372% | 2,741 |
| Credit loss provision to net charge-offs | 859.3407% | 707 |
| Earnings coverage of net charge-offs (x) | 5.5824% | 2,649 |
| Efficiency ratio | 72.9931% | 4,009 |
| Assets per employee ($millions) | 2.5390% | 7,206 |
| Cash dividends to net income (ytd only)* | -36.4964% | 8,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 2,462 |
| Loan loss allowance to noncurrent loans | 35.8553% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 4.9265% | 927 |
| Noncurrent loans to loans | 4.5027% | 1,274 |
| Net loans and leases to total assets | 70.9475% | 3,481 |
| Net loans and leases to deposits | 78.7434% | 4,806 |
| Net loans and leases to core deposits | 96.1706% | 4,953 |
| Total domestic deposits to total assets | 90.0995% | 753 |
| Equity capital to assets | 8.3023% | 6,390 |
| Core capital (leverage) ratio | 8.1670% | 6,161 |
| Tier 1 risk-based capital ratio | 10.2411% | 6,657 |
| Total risk-based capital ratio | 11.4944% | 6,579 |
| Memoranda: | ||
| Average total assets | $146,499,000 | 4,068 |
| Average earning assets | $132,719,000 | 4,095 |
| Average equity | $12,553,500 | 4,691 |
| Average total loans | $107,961,500 | 3,843 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7692% | 1,790 |
| Cost of funding earning assets | 2.7887% | 2,753 |
| Net interest margin | 3.9805% | 3,215 |
| Noninterest income to average assets | 0.8936% | 1,981 |
| Noninterest expense to average assets | 3.5969% | 2,154 |
| Loan and lease loss provision to assets | 1.3538% | 1,039 |
| Net operating income to assets | -0.4440% | 6,871 |
| Return on assets (ROA) | -0.4397% | 6,744 |
| Pretax return on assets | -0.4397% | 6,589 |
| Return on Equity (ROE) | -4.8423% | 6,848 |
| Retained earnings to average equity (ytd only) | -7.4032% | 6,822 |
| Net charge-offs to loans | 1.5674% | 735 |
| Credit loss provision to net charge-offs | 110.7843% | 4,871 |
| Earnings coverage of net charge-offs (x) | 0.7445% | 5,778 |
| Efficiency ratio | 79.8124% | 2,624 |
| Assets per employee ($millions) | 2.3475% | 7,493 |
| Cash dividends to net income (ytd only)* | -52.8846% | 8,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 6,235 |
| Loan loss allowance to noncurrent loans | 20.8639% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 4.8947% | 718 |
| Noncurrent loans to loans | 4.6775% | 999 |
| Net loans and leases to total assets | 74.6147% | 2,965 |
| Net loans and leases to deposits | 83.5217% | 4,494 |
| Net loans and leases to core deposits | 105.3417% | 4,262 |
| Total domestic deposits to total assets | 89.3357% | 904 |
| Equity capital to assets | 8.8480% | 5,570 |
| Core capital (leverage) ratio | 8.4891% | 5,600 |
| Tier 1 risk-based capital ratio | 10.5294% | 6,181 |
| Total risk-based capital ratio | 11.4307% | 6,405 |
| Memoranda: | ||
| Average total assets | $141,900,400 | 4,049 |
| Average earning assets | $128,803,600 | 4,064 |
| Average equity | $12,886,400 | 4,608 |
| Average total loans | $110,628,800 | 3,662 |