Home > First Neighborhood Bank > Performance and Condition Ratios
First Neighborhood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,238 |
| Cost of funding earning assets | 0.7198% | 3,898 |
| Net interest margin | 3.0238% | 3,228 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.7947% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3176% | 4,001 |
| Return on assets (ROA) | 0.3354% | 3,976 |
| Pretax return on assets | 0.3914% | 3,977 |
| Return on Equity (ROE) | 4.4400% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.9100% | 3,307 |
| Net charge-offs to loans | -0.0828% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.2727% | 475 |
| Assets per employee ($millions) | 3.8946% | 4,194 |
| Cash dividends to net income (ytd only)* | 34.5216% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,087 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 1,174 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.5000% | 3,077 |
| Net loans and leases to deposits | 63.5195% | 3,313 |
| Net loans and leases to core deposits | 71.9424% | 3,197 |
| Total domestic deposits to total assets | 90.5200% | 627 |
| Equity capital to assets | 8.4186% | 3,110 |
| Core capital (leverage) ratio | 11.3995% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,908,000 | 3,280 |
| Average earning assets | $144,485,600 | 3,298 |
| Average equity | $11,993,200 | 3,523 |
| Average total loans | $88,152,200 | 3,317 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,221 |
| Cost of funding earning assets | 0.5639% | 4,038 |
| Net interest margin | 3.1247% | 3,093 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.6581% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4597% | 3,850 |
| Return on assets (ROA) | 0.4813% | 3,806 |
| Pretax return on assets | 0.6124% | 3,714 |
| Return on Equity (ROE) | 6.5600% | 3,529 |
| Retained earnings to average equity (ytd only) | 5.5164% | 2,774 |
| Net charge-offs to loans | -0.0030% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.9391% | 736 |
| Assets per employee ($millions) | 4.5040% | 3,940 |
| Cash dividends to net income (ytd only)* | 15.8621% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 2,630 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 1,227 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.4800% | 3,077 |
| Net loans and leases to deposits | 62.7124% | 3,355 |
| Net loans and leases to core deposits | 70.7425% | 3,178 |
| Total domestic deposits to total assets | 91.6500% | 531 |
| Equity capital to assets | 7.3914% | 3,418 |
| Core capital (leverage) ratio | 11.3291% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $160,662,750 | 3,286 |
| Average earning assets | $145,889,250 | 3,296 |
| Average equity | $11,794,750 | 3,541 |
| Average total loans | $88,083,750 | 3,317 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,237 |
| Cost of funding earning assets | 0.3944% | 4,172 |
| Net interest margin | 3.2174% | 2,943 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.6083% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5025% | 3,804 |
| Return on assets (ROA) | 0.5344% | 3,746 |
| Pretax return on assets | 0.7538% | 3,496 |
| Return on Equity (ROE) | 7.3000% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.7557% | 2,710 |
| Net charge-offs to loans | -0.0114% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.4950% | 960 |
| Assets per employee ($millions) | 4.1577% | 4,118 |
| Cash dividends to net income (ytd only)* | 21.1009% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,759 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 1,170 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.3300% | 3,096 |
| Net loans and leases to deposits | 61.5489% | 3,336 |
| Net loans and leases to core deposits | 66.7745% | 3,305 |
| Total domestic deposits to total assets | 91.5300% | 504 |
| Equity capital to assets | 7.5650% | 3,487 |
| Core capital (leverage) ratio | 10.8713% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $163,171,333 | 3,261 |
| Average earning assets | $148,569,000 | 3,285 |
| Average equity | $11,953,333 | 3,542 |
| Average total loans | $87,764,333 | 3,323 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 4,336 |
| Cost of funding earning assets | 0.2493% | 4,294 |
| Net interest margin | 3.1905% | 3,141 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.5724% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5283% | 3,833 |
| Return on assets (ROA) | 0.5912% | 3,674 |
| Pretax return on assets | 0.7963% | 3,473 |
| Return on Equity (ROE) | 8.2000% | 3,243 |
| Retained earnings to average equity (ytd only) | 8.1981% | 2,165 |
| Net charge-offs to loans | 0.0139% | 1,436 |
| Credit loss provision to net charge-offs | 33.3333% | 1,338 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 794 |
| Efficiency ratio | 78.1525% | 990 |
| Assets per employee ($millions) | 4.9521% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,763 |
| Loan loss allowance to noncurrent loans | 2,163.8298% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 1,109 |
| Noncurrent loans to loans | 0.0537% | 3,355 |
| Net loans and leases to total assets | 51.4100% | 3,390 |
| Net loans and leases to deposits | 55.9808% | 3,574 |
| Net loans and leases to core deposits | 57.2021% | 3,677 |
| Total domestic deposits to total assets | 91.8300% | 556 |
| Equity capital to assets | 7.3517% | 3,647 |
| Core capital (leverage) ratio | 10.9228% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2569% | 812 |
| Memoranda: | ||
| Average total assets | $165,761,500 | 3,291 |
| Average earning assets | $150,823,000 | 3,312 |
| Average equity | $11,954,000 | 3,575 |
| Average total loans | $86,633,500 | 3,373 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 3,696 |
| Cost of funding earning assets | 0.1091% | 4,349 |
| Net interest margin | 3.1477% | 3,031 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.8304% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3586% | 4,299 |
| Return on assets (ROA) | 0.3586% | 4,264 |
| Pretax return on assets | 0.4368% | 4,240 |
| Return on Equity (ROE) | 4.4200% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.0034% | 3,719 |
| Net charge-offs to loans | -0.0131% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.5480% | 405 |
| Assets per employee ($millions) | 4.5320% | 4,013 |
| Cash dividends to net income (ytd only)* | 32.1117% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,451 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 1,146 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.9000% | 3,364 |
| Net loans and leases to deposits | 56.3910% | 3,554 |
| Net loans and leases to core deposits | 57.3795% | 3,650 |
| Total domestic deposits to total assets | 92.0300% | 632 |
| Equity capital to assets | 7.0670% | 3,632 |
| Core capital (leverage) ratio | 10.8964% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $159,798,600 | 3,347 |
| Average earning assets | $145,694,800 | 3,367 |
| Average equity | $12,951,800 | 3,578 |
| Average total loans | $83,795,800 | 3,359 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2046% | 3,424 |
| Cost of funding earning assets | 0.1057% | 4,239 |
| Net interest margin | 3.0990% | 2,940 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.8032% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3254% | 4,349 |
| Return on assets (ROA) | 0.3254% | 4,304 |
| Pretax return on assets | 0.4127% | 4,260 |
| Return on Equity (ROE) | 3.8900% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.9657% | 3,779 |
| Net charge-offs to loans | -0.0192% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.1674% | 413 |
| Assets per employee ($millions) | 4.2628% | 4,190 |
| Cash dividends to net income (ytd only)* | 23.7113% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,529 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 1,145 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.4800% | 3,051 |
| Net loans and leases to deposits | 59.2302% | 3,264 |
| Net loans and leases to core deposits | 60.0767% | 3,381 |
| Total domestic deposits to total assets | 91.9800% | 880 |
| Equity capital to assets | 7.0963% | 3,462 |
| Core capital (leverage) ratio | 10.4035% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $158,960,000 | 3,376 |
| Average earning assets | $145,119,250 | 3,399 |
| Average equity | $13,307,250 | 3,584 |
| Average total loans | $83,321,500 | 3,375 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0665% | 3,390 |
| Cost of funding earning assets | 0.1073% | 4,110 |
| Net interest margin | 2.9591% | 3,008 |
| Noninterest income to average assets | 0.3819% | 2,858 |
| Noninterest expense to average assets | 2.8148% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2475% | 4,365 |
| Return on assets (ROA) | 0.2475% | 4,327 |
| Pretax return on assets | 0.2761% | 4,325 |
| Return on Equity (ROE) | 2.8201% | 4,238 |
| Retained earnings to average equity (ytd only) | 1.5163% | 3,875 |
| Net charge-offs to loans | -0.0290% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0664% | 364 |
| Assets per employee ($millions) | 4.2871% | 4,211 |
| Cash dividends to net income (ytd only)* | 46.2312% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 1,237 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 52.3335% | 3,121 |
| Net loans and leases to deposits | 57.1605% | 3,295 |
| Net loans and leases to core deposits | 58.2654% | 3,409 |
| Total domestic deposits to total assets | 91.5554% | 1,014 |
| Equity capital to assets | 7.5134% | 3,467 |
| Core capital (leverage) ratio | 10.4451% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,793,000 | 3,403 |
| Average earning assets | $147,206,000 | 3,423 |
| Average equity | $14,113,000 | 3,575 |
| Average total loans | $82,890,000 | 3,414 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9716% | 3,334 |
| Cost of funding earning assets | 0.1103% | 4,007 |
| Net interest margin | 2.8614% | 2,953 |
| Noninterest income to average assets | 0.3756% | 2,837 |
| Noninterest expense to average assets | 2.8614% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1433% | 4,416 |
| Return on assets (ROA) | 0.1433% | 4,385 |
| Pretax return on assets | 0.1433% | 4,401 |
| Return on Equity (ROE) | 1.5253% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.5253% | 3,683 |
| Net charge-offs to loans | -0.0437% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2303% | 356 |
| Assets per employee ($millions) | 3.9772% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 2,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 1,374 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.0215% | 3,173 |
| Net loans and leases to deposits | 55.2651% | 3,320 |
| Net loans and leases to core deposits | 56.1234% | 3,438 |
| Total domestic deposits to total assets | 90.5118% | 1,291 |
| Equity capital to assets | 8.5818% | 3,096 |
| Core capital (leverage) ratio | 10.3782% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,878,000 | 3,406 |
| Average earning assets | $148,739,000 | 3,419 |
| Average equity | $15,210,500 | 3,544 |
| Average total loans | $82,321,000 | 3,429 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 3,413 |
| Cost of funding earning assets | 0.2313% | 3,123 |
| Net interest margin | 2.9953% | 3,201 |
| Noninterest income to average assets | 0.3638% | 3,251 |
| Noninterest expense to average assets | 2.6388% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4440% | 4,196 |
| Return on assets (ROA) | 0.4641% | 4,203 |
| Pretax return on assets | 0.5027% | 4,254 |
| Return on Equity (ROE) | 4.3951% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.2690% | 3,513 |
| Net charge-offs to loans | 0.0296% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 29.9200% | 1,608 |
| Efficiency ratio | 84.5869% | 542 |
| Assets per employee ($millions) | 4.1203% | 4,376 |
| Cash dividends to net income (ytd only)* | 25.6233% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 1,465 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.4443% | 3,230 |
| Net loans and leases to deposits | 56.7203% | 3,359 |
| Net loans and leases to core deposits | 57.7986% | 3,491 |
| Total domestic deposits to total assets | 88.9352% | 1,543 |
| Equity capital to assets | 10.2228% | 2,447 |
| Core capital (leverage) ratio | 10.7842% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,562,600 | 3,434 |
| Average earning assets | $143,126,200 | 3,441 |
| Average equity | $16,427,200 | 3,509 |
| Average total loans | $84,358,200 | 3,413 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3123% | 3,355 |
| Cost of funding earning assets | 0.2606% | 3,010 |
| Net interest margin | 3.0517% | 3,174 |
| Noninterest income to average assets | 0.3828% | 3,190 |
| Noninterest expense to average assets | 2.6013% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5130% | 4,177 |
| Return on assets (ROA) | 0.5358% | 4,174 |
| Pretax return on assets | 0.6110% | 4,218 |
| Return on Equity (ROE) | 5.0322% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.2855% | 3,480 |
| Net charge-offs to loans | 0.0502% | 1,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 21.1563% | 1,711 |
| Efficiency ratio | 81.6382% | 655 |
| Assets per employee ($millions) | 3.9424% | 4,482 |
| Cash dividends to net income (ytd only)* | 14.8387% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,367 |
| Loan loss allowance to noncurrent loans | 2,119.1489% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 1,526 |
| Noncurrent loans to loans | 0.0527% | 3,848 |
| Net loans and leases to total assets | 57.3884% | 2,574 |
| Net loans and leases to deposits | 65.0639% | 2,727 |
| Net loans and leases to core deposits | 66.5488% | 2,908 |
| Total domestic deposits to total assets | 88.2032% | 1,713 |
| Equity capital to assets | 10.9070% | 2,082 |
| Core capital (leverage) ratio | 10.7267% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,280,750 | 3,481 |
| Average earning assets | $141,729,500 | 3,491 |
| Average equity | $16,427,250 | 3,558 |
| Average total loans | $84,932,250 | 3,452 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 3,345 |
| Cost of funding earning assets | 0.2820% | 2,954 |
| Net interest margin | 3.0526% | 3,174 |
| Noninterest income to average assets | 0.3846% | 3,194 |
| Noninterest expense to average assets | 2.5457% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5593% | 4,076 |
| Return on assets (ROA) | 0.5930% | 4,053 |
| Pretax return on assets | 0.6811% | 4,101 |
| Return on Equity (ROE) | 5.6152% | 3,998 |
| Retained earnings to average equity (ytd only) | 4.4872% | 3,367 |
| Net charge-offs to loans | 0.0096% | 1,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 659 |
| Efficiency ratio | 79.8538% | 796 |
| Assets per employee ($millions) | 4.3136% | 4,249 |
| Cash dividends to net income (ytd only)* | 20.0873% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,990 |
| Loan loss allowance to noncurrent loans | 2,925.7143% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 1,656 |
| Noncurrent loans to loans | 0.0407% | 3,987 |
| Net loans and leases to total assets | 56.2778% | 2,866 |
| Net loans and leases to deposits | 63.8276% | 3,019 |
| Net loans and leases to core deposits | 65.3097% | 3,176 |
| Total domestic deposits to total assets | 88.1716% | 1,739 |
| Equity capital to assets | 10.9276% | 2,039 |
| Core capital (leverage) ratio | 10.7622% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,456,333 | 3,486 |
| Average earning assets | $141,846,000 | 3,494 |
| Average equity | $16,313,000 | 3,576 |
| Average total loans | $83,498,667 | 3,487 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4081% | 3,172 |
| Cost of funding earning assets | 0.3129% | 2,866 |
| Net interest margin | 3.0952% | 3,001 |
| Noninterest income to average assets | 0.3816% | 3,191 |
| Noninterest expense to average assets | 2.4584% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6658% | 3,788 |
| Return on assets (ROA) | 0.6658% | 3,861 |
| Pretax return on assets | 0.7606% | 3,885 |
| Return on Equity (ROE) | 6.4116% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.4116% | 2,760 |
| Net charge-offs to loans | -0.0146% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3723% | 1,099 |
| Assets per employee ($millions) | 4.3944% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,677 |
| Loan loss allowance to noncurrent loans | 335.8306% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 1,400 |
| Noncurrent loans to loans | 0.3714% | 2,758 |
| Net loans and leases to total assets | 53.0685% | 3,339 |
| Net loans and leases to deposits | 59.7982% | 3,503 |
| Net loans and leases to core deposits | 61.2756% | 3,624 |
| Total domestic deposits to total assets | 88.7460% | 1,470 |
| Equity capital to assets | 10.3672% | 2,381 |
| Core capital (leverage) ratio | 10.5760% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,196,500 | 3,472 |
| Average earning assets | $143,189,500 | 3,485 |
| Average equity | $16,220,500 | 3,586 |
| Average total loans | $82,253,000 | 3,520 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 3,909 |
| Cost of funding earning assets | 0.5158% | 2,845 |
| Net interest margin | 3.0436% | 3,772 |
| Noninterest income to average assets | 0.3905% | 3,145 |
| Noninterest expense to average assets | 2.7133% | 2,202 |
| Loan and lease loss provision to assets | 0.0257% | 4,074 |
| Net operating income to assets | 0.4038% | 4,236 |
| Return on assets (ROA) | 0.4857% | 4,141 |
| Pretax return on assets | 0.5449% | 4,190 |
| Return on Equity (ROE) | 4.6873% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.5450% | 3,062 |
| Net charge-offs to loans | -0.1028% | 4,819 |
| Credit loss provision to net charge-offs | -44.4444% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0060% | 564 |
| Assets per employee ($millions) | 4.1734% | 4,234 |
| Cash dividends to net income (ytd only)* | 24.3709% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,637 |
| Loan loss allowance to noncurrent loans | 226.4317% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 1,383 |
| Noncurrent loans to loans | 0.5546% | 2,320 |
| Net loans and leases to total assets | 50.9654% | 3,747 |
| Net loans and leases to deposits | 57.4730% | 3,918 |
| Net loans and leases to core deposits | 59.6590% | 3,968 |
| Total domestic deposits to total assets | 88.6771% | 1,129 |
| Equity capital to assets | 10.4017% | 2,754 |
| Core capital (leverage) ratio | 10.0728% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,454,200 | 3,334 |
| Average earning assets | $143,085,800 | 3,347 |
| Average equity | $16,107,200 | 3,541 |
| Average total loans | $87,574,600 | 3,442 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 3,856 |
| Cost of funding earning assets | 0.5506% | 2,921 |
| Net interest margin | 3.1197% | 3,693 |
| Noninterest income to average assets | 0.3698% | 3,238 |
| Noninterest expense to average assets | 2.6981% | 2,261 |
| Loan and lease loss provision to assets | 0.0343% | 3,910 |
| Net operating income to assets | 0.4384% | 4,190 |
| Return on assets (ROA) | 0.5224% | 4,071 |
| Pretax return on assets | 0.6008% | 4,099 |
| Return on Equity (ROE) | 5.0467% | 3,885 |
| Retained earnings to average equity (ytd only) | 4.2806% | 2,908 |
| Net charge-offs to loans | -0.1633% | 4,902 |
| Credit loss provision to net charge-offs | -36.6972% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3555% | 650 |
| Assets per employee ($millions) | 4.5229% | 3,822 |
| Cash dividends to net income (ytd only)* | 15.1815% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,660 |
| Loan loss allowance to noncurrent loans | 698.0000% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 2,061 |
| Noncurrent loans to loans | 0.1720% | 3,696 |
| Net loans and leases to total assets | 54.4409% | 3,764 |
| Net loans and leases to deposits | 61.3499% | 3,967 |
| Net loans and leases to core deposits | 63.6757% | 4,022 |
| Total domestic deposits to total assets | 88.7385% | 881 |
| Equity capital to assets | 10.3298% | 2,938 |
| Core capital (leverage) ratio | 9.6770% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,670,250 | 3,322 |
| Average earning assets | $142,148,250 | 3,344 |
| Average equity | $16,010,000 | 3,550 |
| Average total loans | $89,004,750 | 3,433 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 3,920 |
| Cost of funding earning assets | 0.5989% | 2,970 |
| Net interest margin | 3.1796% | 3,723 |
| Noninterest income to average assets | 0.3806% | 3,197 |
| Noninterest expense to average assets | 2.7460% | 2,232 |
| Loan and lease loss provision to assets | 0.0521% | 3,653 |
| Net operating income to assets | 0.5135% | 3,976 |
| Return on assets (ROA) | 0.5343% | 4,001 |
| Pretax return on assets | 0.5369% | 4,183 |
| Return on Equity (ROE) | 5.1585% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.0010% | 2,906 |
| Net charge-offs to loans | -0.2411% | 4,958 |
| Credit loss provision to net charge-offs | -37.0370% | 3,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8549% | 705 |
| Assets per employee ($millions) | 4.4650% | 3,830 |
| Cash dividends to net income (ytd only)* | 22.4390% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,595 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 52.4642% | 3,998 |
| Net loans and leases to deposits | 58.5524% | 4,190 |
| Net loans and leases to core deposits | 60.5885% | 4,232 |
| Total domestic deposits to total assets | 89.6022% | 531 |
| Equity capital to assets | 9.5562% | 3,606 |
| Core capital (leverage) ratio | 9.7115% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,460,333 | 3,315 |
| Average earning assets | $141,591,333 | 3,332 |
| Average equity | $15,896,000 | 3,560 |
| Average total loans | $89,597,333 | 3,418 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,062 |
| Cost of funding earning assets | 0.6890% | 2,979 |
| Net interest margin | 3.1962% | 3,865 |
| Noninterest income to average assets | 0.4265% | 2,929 |
| Noninterest expense to average assets | 2.8785% | 2,183 |
| Loan and lease loss provision to assets | 0.0826% | 2,664 |
| Net operating income to assets | 0.5174% | 3,852 |
| Return on assets (ROA) | 0.5174% | 3,908 |
| Pretax return on assets | 0.4018% | 4,292 |
| Return on Equity (ROE) | 4.7785% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.7785% | 2,378 |
| Net charge-offs to loans | -0.4834% | 5,022 |
| Credit loss provision to net charge-offs | -27.7778% | 3,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5974% | 728 |
| Assets per employee ($millions) | 4.0923% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,822 |
| Loan loss allowance to noncurrent loans | 2,526.8293% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 2,363 |
| Noncurrent loans to loans | 0.0463% | 4,368 |
| Net loans and leases to total assets | 59.4052% | 3,557 |
| Net loans and leases to deposits | 67.3939% | 3,770 |
| Net loans and leases to core deposits | 69.9795% | 3,881 |
| Total domestic deposits to total assets | 88.1464% | 1,043 |
| Equity capital to assets | 10.8524% | 2,986 |
| Core capital (leverage) ratio | 10.7702% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,355,500 | 3,387 |
| Average earning assets | $133,532,000 | 3,404 |
| Average equity | $15,737,000 | 3,584 |
| Average total loans | $89,365,000 | 3,409 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 4,006 |
| Cost of funding earning assets | 0.5853% | 3,695 |
| Net interest margin | 3.5306% | 3,346 |
| Noninterest income to average assets | 0.4592% | 2,954 |
| Noninterest expense to average assets | 3.0784% | 1,816 |
| Loan and lease loss provision to assets | 0.2067% | 976 |
| Net operating income to assets | 0.3584% | 4,663 |
| Return on assets (ROA) | 0.3547% | 4,700 |
| Pretax return on assets | 0.4207% | 4,676 |
| Return on Equity (ROE) | 3.1760% | 4,634 |
| Retained earnings to average equity (ytd only) | 1.9809% | 4,009 |
| Net charge-offs to loans | 0.4696% | 400 |
| Credit loss provision to net charge-offs | 63.4744% | 2,999 |
| Earnings coverage of net charge-offs (x) | 1.9399% | 3,471 |
| Efficiency ratio | 82.9717% | 731 |
| Assets per employee ($millions) | 3.7734% | 4,184 |
| Cash dividends to net income (ytd only)* | 37.6278% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,549 |
| Loan loss allowance to noncurrent loans | 89,800.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,527 |
| Noncurrent loans to loans | 0.0011% | 4,615 |
| Net loans and leases to total assets | 62.2635% | 3,369 |
| Net loans and leases to deposits | 70.5439% | 3,627 |
| Net loans and leases to core deposits | 72.8297% | 3,808 |
| Total domestic deposits to total assets | 88.2620% | 997 |
| Equity capital to assets | 10.8000% | 3,182 |
| Core capital (leverage) ratio | 10.8118% | 2,668 |
| Tier 1 risk-based capital ratio | 17.9583% | 1,772 |
| Total risk-based capital ratio | 19.0007% | 1,779 |
| Memoranda: | ||
| Average total assets | $137,862,600 | 3,467 |
| Average earning assets | $126,948,000 | 3,471 |
| Average equity | $15,396,800 | 3,597 |
| Average total loans | $95,610,400 | 3,286 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 4,068 |
| Cost of funding earning assets | 0.5482% | 3,938 |
| Net interest margin | 3.5905% | 3,276 |
| Noninterest income to average assets | 0.4728% | 2,886 |
| Noninterest expense to average assets | 3.0812% | 1,758 |
| Loan and lease loss provision to assets | 0.1319% | 1,459 |
| Net operating income to assets | 0.5012% | 4,510 |
| Return on assets (ROA) | 0.5012% | 4,560 |
| Pretax return on assets | 0.5676% | 4,594 |
| Return on Equity (ROE) | 4.4488% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.6510% | 3,577 |
| Net charge-offs to loans | 0.0069% | 3,129 |
| Credit loss provision to net charge-offs | 2,700.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 143.1244% | 556 |
| Efficiency ratio | 81.4987% | 793 |
| Assets per employee ($millions) | 3.8009% | 4,163 |
| Cash dividends to net income (ytd only)* | 17.9333% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,058 |
| Loan loss allowance to noncurrent loans | 203.4130% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 2,687 |
| Noncurrent loans to loans | 0.6297% | 2,396 |
| Net loans and leases to total assets | 65.3201% | 3,138 |
| Net loans and leases to deposits | 74.3784% | 3,444 |
| Net loans and leases to core deposits | 76.2458% | 3,679 |
| Total domestic deposits to total assets | 87.8214% | 1,122 |
| Equity capital to assets | 11.1539% | 2,964 |
| Core capital (leverage) ratio | 11.3951% | 2,307 |
| Tier 1 risk-based capital ratio | 17.7106% | 1,898 |
| Total risk-based capital ratio | 18.9616% | 1,854 |
| Memoranda: | ||
| Average total assets | $136,481,000 | 3,520 |
| Average earning assets | $125,734,750 | 3,521 |
| Average equity | $15,374,500 | 3,639 |
| Average total loans | $96,968,750 | 3,306 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 3,985 |
| Cost of funding earning assets | 0.5294% | 3,991 |
| Net interest margin | 3.6449% | 3,114 |
| Noninterest income to average assets | 0.4619% | 2,902 |
| Noninterest expense to average assets | 3.0807% | 1,789 |
| Loan and lease loss provision to assets | 0.1332% | 1,398 |
| Net operating income to assets | 0.4989% | 4,527 |
| Return on assets (ROA) | 0.4989% | 4,561 |
| Pretax return on assets | 0.6010% | 4,542 |
| Return on Equity (ROE) | 4.4137% | 4,490 |
| Retained earnings to average equity (ytd only) | 3.2088% | 3,619 |
| Net charge-offs to loans | 0.0020% | 3,106 |
| Credit loss provision to net charge-offs | 9,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 153 |
| Efficiency ratio | 80.7528% | 906 |
| Assets per employee ($millions) | 3.5776% | 4,404 |
| Cash dividends to net income (ytd only)* | 27.2997% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,462 |
| Loan loss allowance to noncurrent loans | 192.4749% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 2,759 |
| Noncurrent loans to loans | 0.6297% | 2,370 |
| Net loans and leases to total assets | 69.0031% | 2,677 |
| Net loans and leases to deposits | 78.7504% | 3,089 |
| Net loans and leases to core deposits | 80.7897% | 3,362 |
| Total domestic deposits to total assets | 87.6226% | 1,274 |
| Equity capital to assets | 11.3837% | 2,719 |
| Core capital (leverage) ratio | 11.5616% | 2,115 |
| Tier 1 risk-based capital ratio | 17.3953% | 1,967 |
| Total risk-based capital ratio | 18.6449% | 1,925 |
| Memoranda: | ||
| Average total assets | $135,097,330 | 3,556 |
| Average earning assets | $124,282,000 | 3,555 |
| Average equity | $15,270,670 | 3,655 |
| Average total loans | $98,274,000 | 3,311 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 3,817 |
| Cost of funding earning assets | 0.4986% | 4,066 |
| Net interest margin | 3.7172% | 2,827 |
| Noninterest income to average assets | 0.4455% | 2,871 |
| Noninterest expense to average assets | 2.9256% | 2,200 |
| Loan and lease loss provision to assets | 0.1337% | 1,300 |
| Net operating income to assets | 0.6475% | 4,103 |
| Return on assets (ROA) | 0.6475% | 4,136 |
| Pretax return on assets | 0.7960% | 4,058 |
| Return on Equity (ROE) | 5.7489% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.7489% | 2,569 |
| Net charge-offs to loans | 0.0040% | 2,579 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 261 |
| Efficiency ratio | 75.8860% | 1,509 |
| Assets per employee ($millions) | 4.0858% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,108 |
| Loan loss allowance to noncurrent loans | 210.2662% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 3,015 |
| Noncurrent loans to loans | 0.5249% | 2,745 |
| Net loans and leases to total assets | 73.4970% | 1,900 |
| Net loans and leases to deposits | 83.8454% | 2,404 |
| Net loans and leases to core deposits | 85.8368% | 2,879 |
| Total domestic deposits to total assets | 87.6578% | 1,492 |
| Equity capital to assets | 11.3639% | 2,512 |
| Core capital (leverage) ratio | 11.4254% | 2,193 |
| Tier 1 risk-based capital ratio | 17.0613% | 2,088 |
| Total risk-based capital ratio | 18.2880% | 2,039 |
| Memoranda: | ||
| Average total assets | $134,671,500 | 3,600 |
| Average earning assets | $123,535,000 | 3,605 |
| Average equity | $15,168,000 | 3,685 |
| Average total loans | $99,931,000 | 3,327 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,744 |
| Cost of funding earning assets | 0.3015% | 4,564 |
| Net interest margin | 3.7978% | 2,664 |
| Noninterest income to average assets | 0.4222% | 3,297 |
| Noninterest expense to average assets | 3.0253% | 1,995 |
| Loan and lease loss provision to assets | 0.1695% | 1,185 |
| Net operating income to assets | 0.6084% | 4,391 |
| Return on assets (ROA) | 0.6084% | 4,401 |
| Pretax return on assets | 0.7238% | 4,354 |
| Return on Equity (ROE) | 5.2380% | 4,405 |
| Retained earnings to average equity (ytd only) | -5.4329% | 5,254 |
| Net charge-offs to loans | 0.0160% | 3,147 |
| Credit loss provision to net charge-offs | 1,450.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 76.4375% | 886 |
| Efficiency ratio | 77.2041% | 1,214 |
| Assets per employee ($millions) | 3.8432% | 4,111 |
| Cash dividends to net income (ytd only)* | 203.7215% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,295 |
| Loan loss allowance to noncurrent loans | 221.7119% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 3,118 |
| Noncurrent loans to loans | 0.4806% | 2,835 |
| Net loans and leases to total assets | 73.3000% | 2,044 |
| Net loans and leases to deposits | 83.5286% | 2,558 |
| Net loans and leases to core deposits | 85.2128% | 2,984 |
| Total domestic deposits to total assets | 87.7543% | 1,412 |
| Equity capital to assets | 11.1617% | 2,542 |
| Core capital (leverage) ratio | 11.1881% | 2,368 |
| Tier 1 risk-based capital ratio | 16.9528% | 2,083 |
| Total risk-based capital ratio | 18.1400% | 2,049 |
| Memoranda: | ||
| Average total assets | $136,911,600 | 3,548 |
| Average earning assets | $126,048,200 | 3,560 |
| Average equity | $15,903,000 | 3,522 |
| Average total loans | $99,774,600 | 3,295 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,798 |
| Cost of funding earning assets | 0.2754% | 4,654 |
| Net interest margin | 3.7714% | 2,749 |
| Noninterest income to average assets | 0.4053% | 3,450 |
| Noninterest expense to average assets | 2.9427% | 2,185 |
| Loan and lease loss provision to assets | 0.1745% | 1,058 |
| Net operating income to assets | 0.6380% | 4,404 |
| Return on assets (ROA) | 0.6380% | 4,410 |
| Pretax return on assets | 0.7669% | 4,380 |
| Return on Equity (ROE) | 5.4406% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.5724% | 3,463 |
| Net charge-offs to loans | 0.0134% | 2,950 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 97.1215% | 770 |
| Efficiency ratio | 75.7614% | 1,379 |
| Assets per employee ($millions) | 3.5453% | 4,502 |
| Cash dividends to net income (ytd only)* | 15.9579% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,666 |
| Loan loss allowance to noncurrent loans | 198.0507% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 3,165 |
| Noncurrent loans to loans | 0.5125% | 2,845 |
| Net loans and leases to total assets | 73.5428% | 2,062 |
| Net loans and leases to deposits | 84.6735% | 2,519 |
| Net loans and leases to core deposits | 85.5745% | 3,040 |
| Total domestic deposits to total assets | 86.8545% | 1,796 |
| Equity capital to assets | 12.1316% | 1,818 |
| Core capital (leverage) ratio | 12.2605% | 1,644 |
| Tier 1 risk-based capital ratio | 18.6887% | 1,616 |
| Total risk-based capital ratio | 19.8337% | 1,597 |
| Memoranda: | ||
| Average total assets | $137,511,250 | 3,577 |
| Average earning assets | $126,847,000 | 3,581 |
| Average equity | $16,125,250 | 3,530 |
| Average total loans | $99,803,250 | 3,330 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,766 |
| Cost of funding earning assets | 0.2519% | 4,736 |
| Net interest margin | 3.7550% | 2,733 |
| Noninterest income to average assets | 0.4146% | 3,392 |
| Noninterest expense to average assets | 2.9283% | 2,261 |
| Loan and lease loss provision to assets | 0.1734% | 1,058 |
| Net operating income to assets | 0.6472% | 4,352 |
| Return on assets (ROA) | 0.6472% | 4,359 |
| Pretax return on assets | 0.7801% | 4,307 |
| Return on Equity (ROE) | 5.5817% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.2735% | 3,471 |
| Net charge-offs to loans | 0.0201% | 2,485 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 945 |
| Efficiency ratio | 75.4373% | 1,502 |
| Assets per employee ($millions) | 3.7708% | 4,249 |
| Cash dividends to net income (ytd only)* | 23.4375% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,129 |
| Loan loss allowance to noncurrent loans | 212.4444% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 3,179 |
| Noncurrent loans to loans | 0.4459% | 3,099 |
| Net loans and leases to total assets | 73.6455% | 2,003 |
| Net loans and leases to deposits | 84.5152% | 2,477 |
| Net loans and leases to core deposits | 85.4032% | 2,977 |
| Total domestic deposits to total assets | 87.1388% | 1,781 |
| Equity capital to assets | 11.9191% | 1,910 |
| Core capital (leverage) ratio | 11.7957% | 1,841 |
| Tier 1 risk-based capital ratio | 18.1924% | 1,752 |
| Total risk-based capital ratio | 19.2547% | 1,763 |
| Memoranda: | ||
| Average total assets | $138,440,670 | 3,589 |
| Average earning assets | $127,830,670 | 3,591 |
| Average equity | $16,052,330 | 3,559 |
| Average total loans | $99,706,000 | 3,341 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,813 |
| Cost of funding earning assets | 0.2260% | 4,858 |
| Net interest margin | 3.7155% | 2,743 |
| Noninterest income to average assets | 0.4006% | 3,466 |
| Noninterest expense to average assets | 2.9674% | 2,152 |
| Loan and lease loss provision to assets | 0.1717% | 1,022 |
| Net operating income to assets | 0.5523% | 4,566 |
| Return on assets (ROA) | 0.5523% | 4,569 |
| Pretax return on assets | 0.6953% | 4,454 |
| Return on Equity (ROE) | 4.8285% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.8285% | 3,247 |
| Net charge-offs to loans | 0.0040% | 2,592 |
| Credit loss provision to net charge-offs | 6,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 227 |
| Efficiency ratio | 77.3881% | 1,414 |
| Assets per employee ($millions) | 3.8376% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,360 |
| Loan loss allowance to noncurrent loans | 136.9138% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 2,734 |
| Noncurrent loans to loans | 0.6714% | 2,538 |
| Net loans and leases to total assets | 70.6108% | 2,381 |
| Net loans and leases to deposits | 80.7020% | 2,730 |
| Net loans and leases to core deposits | 81.5303% | 3,181 |
| Total domestic deposits to total assets | 87.4957% | 1,898 |
| Equity capital to assets | 11.6096% | 2,053 |
| Core capital (leverage) ratio | 11.7077% | 1,843 |
| Tier 1 risk-based capital ratio | 18.3765% | 1,725 |
| Total risk-based capital ratio | 19.4017% | 1,744 |
| Memoranda: | ||
| Average total assets | $139,786,500 | 3,614 |
| Average earning assets | $129,188,000 | 3,598 |
| Average equity | $15,988,500 | 3,595 |
| Average total loans | $99,094,500 | 3,376 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,544 |
| Cost of funding earning assets | 0.2305% | 4,725 |
| Net interest margin | 3.7261% | 2,691 |
| Noninterest income to average assets | 0.4290% | 3,447 |
| Noninterest expense to average assets | 3.0141% | 2,137 |
| Loan and lease loss provision to assets | 0.1637% | 1,356 |
| Net operating income to assets | 0.3337% | 4,862 |
| Return on assets (ROA) | 0.3337% | 4,888 |
| Pretax return on assets | 0.6844% | 4,547 |
| Return on Equity (ROE) | 2.9601% | 4,837 |
| Retained earnings to average equity (ytd only) | 1.6459% | 4,315 |
| Net charge-offs to loans | 0.4348% | 561 |
| Credit loss provision to net charge-offs | 53.4562% | 3,292 |
| Earnings coverage of net charge-offs (x) | 2.7696% | 3,705 |
| Efficiency ratio | 78.0417% | 1,345 |
| Assets per employee ($millions) | 3.7216% | 4,399 |
| Cash dividends to net income (ytd only)* | 44.3975% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,672 |
| Loan loss allowance to noncurrent loans | 115.5738% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 2,832 |
| Noncurrent loans to loans | 0.7340% | 2,377 |
| Net loans and leases to total assets | 69.9243% | 2,527 |
| Net loans and leases to deposits | 79.6121% | 2,957 |
| Net loans and leases to core deposits | 80.4594% | 3,386 |
| Total domestic deposits to total assets | 87.8313% | 1,592 |
| Equity capital to assets | 11.2700% | 2,387 |
| Core capital (leverage) ratio | 11.3741% | 2,038 |
| Tier 1 risk-based capital ratio | 17.9748% | 1,809 |
| Total risk-based capital ratio | 18.9235% | 1,849 |
| Memoranda: | ||
| Average total assets | $141,734,400 | 3,589 |
| Average earning assets | $130,590,800 | 3,578 |
| Average equity | $15,979,200 | 3,597 |
| Average total loans | $99,811,600 | 3,353 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,473 |
| Cost of funding earning assets | 0.2309% | 4,737 |
| Net interest margin | 3.7351% | 2,637 |
| Noninterest income to average assets | 0.4221% | 3,541 |
| Noninterest expense to average assets | 3.0048% | 2,095 |
| Loan and lease loss provision to assets | 0.1015% | 2,084 |
| Net operating income to assets | 0.5782% | 4,465 |
| Return on assets (ROA) | 0.5782% | 4,506 |
| Pretax return on assets | 0.7531% | 4,474 |
| Return on Equity (ROE) | 5.1282% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.2527% | 3,369 |
| Net charge-offs to loans | -0.0013% | 4,291 |
| Credit loss provision to net charge-offs | -10,800.0000% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8563% | 1,349 |
| Assets per employee ($millions) | 3.5631% | 4,633 |
| Cash dividends to net income (ytd only)* | 17.0736% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,180 |
| Loan loss allowance to noncurrent loans | 781.7568% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,713 |
| Noncurrent loans to loans | 0.1475% | 4,465 |
| Net loans and leases to total assets | 71.3756% | 2,345 |
| Net loans and leases to deposits | 81.7333% | 2,807 |
| Net loans and leases to core deposits | 82.6225% | 3,238 |
| Total domestic deposits to total assets | 87.3275% | 1,713 |
| Equity capital to assets | 11.7162% | 2,176 |
| Core capital (leverage) ratio | 11.6197% | 1,935 |
| Tier 1 risk-based capital ratio | 18.2577% | 1,789 |
| Total risk-based capital ratio | 19.5084% | 1,750 |
| Memoranda: | ||
| Average total assets | $141,813,000 | 3,623 |
| Average earning assets | $130,507,000 | 3,619 |
| Average equity | $15,989,500 | 3,631 |
| Average total loans | $99,831,250 | 3,382 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 3,341 |
| Cost of funding earning assets | 0.2270% | 4,745 |
| Net interest margin | 3.7355% | 2,530 |
| Noninterest income to average assets | 0.4273% | 3,509 |
| Noninterest expense to average assets | 3.0302% | 2,045 |
| Loan and lease loss provision to assets | 0.1009% | 2,002 |
| Net operating income to assets | 0.5464% | 4,538 |
| Return on assets (ROA) | 0.5464% | 4,577 |
| Pretax return on assets | 0.7313% | 4,471 |
| Return on Equity (ROE) | 4.9080% | 4,511 |
| Retained earnings to average equity (ytd only) | 3.5866% | 3,570 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4548% | 1,400 |
| Assets per employee ($millions) | 3.7513% | 4,353 |
| Cash dividends to net income (ytd only)* | 26.9231% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,453 |
| Loan loss allowance to noncurrent loans | 528.3019% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,567 |
| Noncurrent loans to loans | 0.2126% | 4,270 |
| Net loans and leases to total assets | 71.0322% | 2,369 |
| Net loans and leases to deposits | 81.1417% | 2,790 |
| Net loans and leases to core deposits | 81.7967% | 3,272 |
| Total domestic deposits to total assets | 87.5410% | 1,692 |
| Equity capital to assets | 11.5815% | 2,246 |
| Core capital (leverage) ratio | 11.5502% | 1,935 |
| Tier 1 risk-based capital ratio | 17.7558% | 1,934 |
| Total risk-based capital ratio | 18.9959% | 1,894 |
| Memoranda: | ||
| Average total assets | $142,763,330 | 3,618 |
| Average earning assets | $131,280,330 | 3,628 |
| Average equity | $15,892,330 | 3,648 |
| Average total loans | $99,661,000 | 3,405 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,426 |
| Cost of funding earning assets | 0.2216% | 4,788 |
| Net interest margin | 3.6712% | 2,602 |
| Noninterest income to average assets | 0.4173% | 3,545 |
| Noninterest expense to average assets | 3.0177% | 2,120 |
| Loan and lease loss provision to assets | 0.0995% | 1,899 |
| Net operating income to assets | 0.5306% | 4,464 |
| Return on assets (ROA) | 0.5306% | 4,507 |
| Pretax return on assets | 0.6881% | 4,486 |
| Return on Equity (ROE) | 4.8605% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.8605% | 2,978 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3028% | 1,451 |
| Assets per employee ($millions) | 3.7258% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,761 |
| Loan loss allowance to noncurrent loans | 492.7273% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,636 |
| Noncurrent loans to loans | 0.2213% | 4,313 |
| Net loans and leases to total assets | 69.4373% | 2,471 |
| Net loans and leases to deposits | 78.9195% | 2,876 |
| Net loans and leases to core deposits | 79.8003% | 3,316 |
| Total domestic deposits to total assets | 87.9850% | 1,723 |
| Equity capital to assets | 11.2430% | 2,390 |
| Core capital (leverage) ratio | 11.1320% | 2,249 |
| Tier 1 risk-based capital ratio | 17.5956% | 2,003 |
| Total risk-based capital ratio | 18.7919% | 1,973 |
| Memoranda: | ||
| Average total assets | $144,745,500 | 3,621 |
| Average earning assets | $133,580,500 | 3,634 |
| Average equity | $15,801,000 | 3,686 |
| Average total loans | $99,635,500 | 3,425 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,320 |
| Cost of funding earning assets | 0.2515% | 4,552 |
| Net interest margin | 3.7167% | 2,618 |
| Noninterest income to average assets | 0.4103% | 3,803 |
| Noninterest expense to average assets | 3.0298% | 2,263 |
| Loan and lease loss provision to assets | 0.1000% | 2,381 |
| Net operating income to assets | 0.5290% | 4,515 |
| Return on assets (ROA) | 0.5290% | 4,606 |
| Pretax return on assets | 0.6977% | 4,493 |
| Return on Equity (ROE) | 4.8839% | 4,483 |
| Retained earnings to average equity (ytd only) | 3.2110% | 3,627 |
| Net charge-offs to loans | 0.1959% | 1,413 |
| Credit loss provision to net charge-offs | 73.0964% | 3,082 |
| Earnings coverage of net charge-offs (x) | 5.8325% | 3,275 |
| Efficiency ratio | 79.1584% | 1,532 |
| Assets per employee ($millions) | 3.7926% | 4,321 |
| Cash dividends to net income (ytd only)* | 34.2520% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 4,016 |
| Loan loss allowance to noncurrent loans | 489.7196% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,731 |
| Noncurrent loans to loans | 0.2143% | 4,384 |
| Net loans and leases to total assets | 66.8170% | 2,955 |
| Net loans and leases to deposits | 75.3873% | 3,382 |
| Net loans and leases to core deposits | 76.1858% | 3,737 |
| Total domestic deposits to total assets | 88.6316% | 1,306 |
| Equity capital to assets | 10.6037% | 3,036 |
| Core capital (leverage) ratio | 10.6849% | 2,673 |
| Tier 1 risk-based capital ratio | 17.1464% | 2,111 |
| Total risk-based capital ratio | 18.2872% | 2,098 |
| Memoranda: | ||
| Average total assets | $144,037,800 | 3,605 |
| Average earning assets | $132,429,000 | 3,611 |
| Average equity | $15,602,400 | 3,742 |
| Average total loans | $100,543,600 | 3,374 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,164 |
| Cost of funding earning assets | 0.2589% | 4,522 |
| Net interest margin | 3.7572% | 2,496 |
| Noninterest income to average assets | 0.4138% | 3,824 |
| Noninterest expense to average assets | 3.0614% | 2,119 |
| Loan and lease loss provision to assets | 0.1007% | 2,228 |
| Net operating income to assets | 0.5340% | 4,560 |
| Return on assets (ROA) | 0.5340% | 4,662 |
| Pretax return on assets | 0.6999% | 4,608 |
| Return on Equity (ROE) | 4.9030% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.5682% | 3,757 |
| Net charge-offs to loans | 0.0066% | 3,681 |
| Credit loss provision to net charge-offs | 2,160.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 171.7091% | 421 |
| Efficiency ratio | 79.2712% | 1,524 |
| Assets per employee ($millions) | 3.6108% | 4,633 |
| Cash dividends to net income (ytd only)* | 27.2245% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 3,243 |
| Loan loss allowance to noncurrent loans | 688.0000% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,928 |
| Noncurrent loans to loans | 0.1743% | 4,651 |
| Net loans and leases to total assets | 70.4572% | 2,424 |
| Net loans and leases to deposits | 80.0917% | 2,951 |
| Net loans and leases to core deposits | 80.9266% | 3,358 |
| Total domestic deposits to total assets | 87.9707% | 1,418 |
| Equity capital to assets | 11.2183% | 2,778 |
| Core capital (leverage) ratio | 11.1093% | 2,347 |
| Tier 1 risk-based capital ratio | 17.4771% | 2,088 |
| Total risk-based capital ratio | 18.7276% | 2,049 |
| Memoranda: | ||
| Average total assets | $143,069,750 | 3,632 |
| Average earning assets | $131,298,750 | 3,651 |
| Average equity | $15,582,000 | 3,776 |
| Average total loans | $100,710,250 | 3,384 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,197 |
| Cost of funding earning assets | 0.2596% | 4,554 |
| Net interest margin | 3.7527% | 2,508 |
| Noninterest income to average assets | 0.4186% | 3,751 |
| Noninterest expense to average assets | 3.0135% | 2,302 |
| Loan and lease loss provision to assets | 0.1001% | 2,165 |
| Net operating income to assets | 0.5646% | 4,421 |
| Return on assets (ROA) | 0.5646% | 4,543 |
| Pretax return on assets | 0.7426% | 4,484 |
| Return on Equity (ROE) | 5.2353% | 4,416 |
| Retained earnings to average equity (ytd only) | 3.2366% | 3,831 |
| Net charge-offs to loans | 0.0198% | 3,100 |
| Credit loss provision to net charge-offs | 720.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 873 |
| Efficiency ratio | 78.1464% | 1,762 |
| Assets per employee ($millions) | 3.3846% | 4,945 |
| Cash dividends to net income (ytd only)* | 38.1773% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,596 |
| Loan loss allowance to noncurrent loans | 628.6486% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 4,934 |
| Noncurrent loans to loans | 0.1840% | 4,697 |
| Net loans and leases to total assets | 69.8927% | 2,499 |
| Net loans and leases to deposits | 79.2869% | 3,023 |
| Net loans and leases to core deposits | 80.1026% | 3,455 |
| Total domestic deposits to total assets | 88.1517% | 1,353 |
| Equity capital to assets | 11.0119% | 3,049 |
| Core capital (leverage) ratio | 10.8975% | 2,529 |
| Tier 1 risk-based capital ratio | 17.4792% | 2,067 |
| Total risk-based capital ratio | 18.7298% | 2,035 |
| Memoranda: | ||
| Average total assets | $143,818,670 | 3,647 |
| Average earning assets | $131,745,670 | 3,663 |
| Average equity | $15,510,000 | 3,799 |
| Average total loans | $100,805,670 | 3,393 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 3,271 |
| Cost of funding earning assets | 0.2596% | 4,613 |
| Net interest margin | 3.7254% | 2,570 |
| Noninterest income to average assets | 0.4148% | 3,719 |
| Noninterest expense to average assets | 3.0225% | 2,328 |
| Loan and lease loss provision to assets | 0.0996% | 2,029 |
| Net operating income to assets | 0.5558% | 4,388 |
| Return on assets (ROA) | 0.5558% | 4,494 |
| Pretax return on assets | 0.7051% | 4,508 |
| Return on Equity (ROE) | 5.2079% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.2079% | 2,810 |
| Net charge-offs to loans | 0.0436% | 2,134 |
| Credit loss provision to net charge-offs | 327.2727% | 806 |
| Earnings coverage of net charge-offs (x) | 26.4545% | 1,274 |
| Efficiency ratio | 78.9740% | 1,755 |
| Assets per employee ($millions) | 3.3790% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,989 |
| Loan loss allowance to noncurrent loans | 282.9146% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 4,411 |
| Noncurrent loans to loans | 0.3930% | 4,030 |
| Net loans and leases to total assets | 68.9200% | 2,508 |
| Net loans and leases to deposits | 77.9033% | 3,014 |
| Net loans and leases to core deposits | 78.6837% | 3,429 |
| Total domestic deposits to total assets | 88.4686% | 1,369 |
| Equity capital to assets | 10.7151% | 3,237 |
| Core capital (leverage) ratio | 10.8666% | 2,552 |
| Tier 1 risk-based capital ratio | 17.0943% | 2,256 |
| Total risk-based capital ratio | 18.3400% | 2,219 |
| Memoranda: | ||
| Average total assets | $144,650,500 | 3,658 |
| Average earning assets | $132,496,000 | 3,673 |
| Average equity | $15,438,000 | 3,823 |
| Average total loans | $100,949,000 | 3,404 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,913 |
| Cost of funding earning assets | 0.3077% | 4,171 |
| Net interest margin | 3.7943% | 2,397 |
| Noninterest income to average assets | 0.5429% | 3,056 |
| Noninterest expense to average assets | 2.9914% | 2,578 |
| Loan and lease loss provision to assets | 0.1010% | 2,301 |
| Net operating income to assets | 0.7126% | 3,753 |
| Return on assets (ROA) | 0.7301% | 3,768 |
| Pretax return on assets | 0.9413% | 3,688 |
| Return on Equity (ROE) | 6.9722% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.5590% | 2,045 |
| Net charge-offs to loans | 0.0473% | 3,266 |
| Credit loss provision to net charge-offs | 313.0435% | 950 |
| Earnings coverage of net charge-offs (x) | 31.6087% | 1,399 |
| Efficiency ratio | 74.5760% | 2,495 |
| Assets per employee ($millions) | 3.5122% | 4,817 |
| Cash dividends to net income (ytd only)* | 20.2690% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 4,084 |
| Loan loss allowance to noncurrent loans | 567.5258% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,995 |
| Noncurrent loans to loans | 0.1928% | 4,714 |
| Net loans and leases to total assets | 69.1178% | 2,516 |
| Net loans and leases to deposits | 78.1113% | 3,042 |
| Net loans and leases to core deposits | 78.8996% | 3,452 |
| Total domestic deposits to total assets | 88.4863% | 1,389 |
| Equity capital to assets | 10.6297% | 3,209 |
| Core capital (leverage) ratio | 10.7521% | 2,657 |
| Tier 1 risk-based capital ratio | 17.2740% | 2,191 |
| Total risk-based capital ratio | 18.5212% | 2,146 |
| Memoranda: | ||
| Average total assets | $142,574,800 | 3,685 |
| Average earning assets | $130,328,600 | 3,699 |
| Average equity | $14,930,800 | 3,846 |
| Average total loans | $97,250,800 | 3,431 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 2,852 |
| Cost of funding earning assets | 0.3161% | 4,149 |
| Net interest margin | 3.8050% | 2,361 |
| Noninterest income to average assets | 0.4706% | 3,565 |
| Noninterest expense to average assets | 2.9025% | 2,845 |
| Loan and lease loss provision to assets | 0.1013% | 2,159 |
| Net operating income to assets | 0.6987% | 3,905 |
| Return on assets (ROA) | 0.7209% | 3,915 |
| Pretax return on assets | 0.9722% | 3,733 |
| Return on Equity (ROE) | 6.9106% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.9580% | 2,275 |
| Net charge-offs to loans | 0.0595% | 2,756 |
| Credit loss provision to net charge-offs | 251.1628% | 1,133 |
| Earnings coverage of net charge-offs (x) | 25.8845% | 1,640 |
| Efficiency ratio | 73.5567% | 2,626 |
| Assets per employee ($millions) | 3.6256% | 4,565 |
| Cash dividends to net income (ytd only)* | 13.7841% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 4,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,578 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.9962% | 2,676 |
| Net loans and leases to deposits | 76.9088% | 3,205 |
| Net loans and leases to core deposits | 78.0140% | 3,606 |
| Total domestic deposits to total assets | 88.4115% | 1,335 |
| Equity capital to assets | 10.7200% | 3,336 |
| Core capital (leverage) ratio | 10.6451% | 2,884 |
| Tier 1 risk-based capital ratio | 17.2730% | 2,270 |
| Total risk-based capital ratio | 18.4960% | 2,231 |
| Memoranda: | ||
| Average total assets | $142,218,000 | 3,716 |
| Average earning assets | $129,897,250 | 3,731 |
| Average equity | $14,836,750 | 3,899 |
| Average total loans | $96,405,500 | 3,482 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 2,892 |
| Cost of funding earning assets | 0.3194% | 4,164 |
| Net interest margin | 3.7821% | 2,395 |
| Noninterest income to average assets | 0.4716% | 3,550 |
| Noninterest expense to average assets | 2.8718% | 2,992 |
| Loan and lease loss provision to assets | 0.1011% | 2,146 |
| Net operating income to assets | 0.7079% | 3,852 |
| Return on assets (ROA) | 0.7411% | 3,786 |
| Pretax return on assets | 1.0008% | 3,589 |
| Return on Equity (ROE) | 7.1692% | 3,514 |
| Retained earnings to average equity (ytd only) | 5.7299% | 2,395 |
| Net charge-offs to loans | 0.0624% | 2,485 |
| Credit loss provision to net charge-offs | 240.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 25.1000% | 1,536 |
| Efficiency ratio | 73.0975% | 2,818 |
| Assets per employee ($millions) | 3.2234% | 5,307 |
| Cash dividends to net income (ytd only)* | 20.0758% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 4,494 |
| Loan loss allowance to noncurrent loans | 555.8511% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 5,122 |
| Noncurrent loans to loans | 0.1923% | 5,006 |
| Net loans and leases to total assets | 69.7861% | 2,347 |
| Net loans and leases to deposits | 78.9686% | 2,910 |
| Net loans and leases to core deposits | 80.3634% | 3,348 |
| Total domestic deposits to total assets | 88.3720% | 1,453 |
| Equity capital to assets | 10.7132% | 3,204 |
| Core capital (leverage) ratio | 10.3110% | 3,208 |
| Tier 1 risk-based capital ratio | 17.6195% | 2,180 |
| Total risk-based capital ratio | 18.8595% | 2,135 |
| Memoranda: | ||
| Average total assets | $142,491,000 | 3,745 |
| Average earning assets | $130,245,000 | 3,752 |
| Average equity | $14,729,670 | 3,933 |
| Average total loans | $96,136,000 | 3,507 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 3,197 |
| Cost of funding earning assets | 0.3171% | 4,254 |
| Net interest margin | 3.6935% | 2,639 |
| Noninterest income to average assets | 0.4680% | 3,513 |
| Noninterest expense to average assets | 2.8304% | 3,136 |
| Loan and lease loss provision to assets | 0.0997% | 2,028 |
| Net operating income to assets | 0.7062% | 3,769 |
| Return on assets (ROA) | 0.7062% | 3,895 |
| Pretax return on assets | 0.9250% | 3,797 |
| Return on Equity (ROE) | 6.9530% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.9530% | 2,031 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4195% | 2,918 |
| Assets per employee ($millions) | 3.7386% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 4,619 |
| Loan loss allowance to noncurrent loans | 2,473.8095% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 5,633 |
| Noncurrent loans to loans | 0.0436% | 5,606 |
| Net loans and leases to total assets | 65.3498% | 2,870 |
| Net loans and leases to deposits | 73.4406% | 3,377 |
| Net loans and leases to core deposits | 75.0197% | 3,685 |
| Total domestic deposits to total assets | 88.9833% | 1,285 |
| Equity capital to assets | 10.1765% | 3,912 |
| Core capital (leverage) ratio | 10.1902% | 3,354 |
| Tier 1 risk-based capital ratio | 17.3996% | 2,340 |
| Total risk-based capital ratio | 18.6315% | 2,303 |
| Memoranda: | ||
| Average total assets | $144,434,000 | 3,737 |
| Average earning assets | $132,449,000 | 3,741 |
| Average equity | $14,670,000 | 3,966 |
| Average total loans | $95,318,000 | 3,541 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,572 |
| Cost of funding earning assets | 0.3607% | 4,133 |
| Net interest margin | 3.6768% | 3,092 |
| Noninterest income to average assets | 0.3557% | 4,556 |
| Noninterest expense to average assets | 2.8780% | 3,213 |
| Loan and lease loss provision to assets | 0.0625% | 3,265 |
| Net operating income to assets | 0.5771% | 4,471 |
| Return on assets (ROA) | 0.6349% | 4,316 |
| Pretax return on assets | 0.8419% | 4,103 |
| Return on Equity (ROE) | 6.5609% | 3,866 |
| Retained earnings to average equity (ytd only) | 5.4985% | 2,260 |
| Net charge-offs to loans | 0.0910% | 3,200 |
| Credit loss provision to net charge-offs | 109.7561% | 2,174 |
| Earnings coverage of net charge-offs (x) | 14.5244% | 2,154 |
| Efficiency ratio | 77.6715% | 2,253 |
| Assets per employee ($millions) | 3.7648% | 4,414 |
| Cash dividends to net income (ytd only)* | 16.1926% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 4,745 |
| Loan loss allowance to noncurrent loans | 100,300.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,828 |
| Noncurrent loans to loans | 0.0011% | 5,938 |
| Net loans and leases to total assets | 65.2235% | 3,017 |
| Net loans and leases to deposits | 73.3552% | 3,508 |
| Net loans and leases to core deposits | 74.6134% | 3,860 |
| Total domestic deposits to total assets | 88.9146% | 1,281 |
| Equity capital to assets | 10.1369% | 3,938 |
| Core capital (leverage) ratio | 9.9231% | 3,684 |
| Tier 1 risk-based capital ratio | 16.8600% | 2,570 |
| Total risk-based capital ratio | 18.0327% | 2,556 |
| Memoranda: | ||
| Average total assets | $143,954,800 | 3,726 |
| Average earning assets | $131,148,400 | 3,741 |
| Average equity | $13,931,000 | 4,038 |
| Average total loans | $90,140,600 | 3,627 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,699 |
| Cost of funding earning assets | 0.3677% | 4,148 |
| Net interest margin | 3.6484% | 3,230 |
| Noninterest income to average assets | 0.2793% | 5,203 |
| Noninterest expense to average assets | 2.8103% | 3,422 |
| Loan and lease loss provision to assets | 0.0832% | 2,686 |
| Net operating income to assets | 0.5422% | 4,701 |
| Return on assets (ROA) | 0.6205% | 4,444 |
| Pretax return on assets | 0.8092% | 4,332 |
| Return on Equity (ROE) | 6.4884% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.7729% | 2,555 |
| Net charge-offs to loans | 0.1482% | 2,303 |
| Credit loss provision to net charge-offs | 90.9091% | 2,408 |
| Earnings coverage of net charge-offs (x) | 8.6361% | 2,769 |
| Efficiency ratio | 78.0431% | 2,177 |
| Assets per employee ($millions) | 3.5063% | 4,852 |
| Cash dividends to net income (ytd only)* | 11.0279% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 4,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 5,370 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 63.5060% | 3,260 |
| Net loans and leases to deposits | 71.1819% | 3,772 |
| Net loans and leases to core deposits | 72.3960% | 4,112 |
| Total domestic deposits to total assets | 89.2166% | 1,119 |
| Equity capital to assets | 9.9320% | 4,255 |
| Core capital (leverage) ratio | 9.9943% | 3,684 |
| Tier 1 risk-based capital ratio | 16.7438% | 2,708 |
| Total risk-based capital ratio | 17.9024% | 2,701 |
| Memoranda: | ||
| Average total assets | $144,178,000 | 3,755 |
| Average earning assets | $131,269,750 | 3,759 |
| Average equity | $13,788,250 | 4,082 |
| Average total loans | $89,097,500 | 3,681 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,770 |
| Cost of funding earning assets | 0.3736% | 4,171 |
| Net interest margin | 3.6155% | 3,297 |
| Noninterest income to average assets | 0.2439% | 5,449 |
| Noninterest expense to average assets | 2.7938% | 3,531 |
| Loan and lease loss provision to assets | 0.0831% | 2,642 |
| Net operating income to assets | 0.5171% | 4,738 |
| Return on assets (ROA) | 0.6375% | 4,270 |
| Pretax return on assets | 0.8052% | 4,243 |
| Return on Equity (ROE) | 6.7523% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.6661% | 2,532 |
| Net charge-offs to loans | 0.1090% | 2,578 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 11.0625% | 2,187 |
| Efficiency ratio | 79.1519% | 2,146 |
| Assets per employee ($millions) | 3.3384% | 5,179 |
| Cash dividends to net income (ytd only)* | 16.0870% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 4,990 |
| Loan loss allowance to noncurrent loans | 1,379.4521% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 5,257 |
| Noncurrent loans to loans | 0.0782% | 5,788 |
| Net loans and leases to total assets | 65.8408% | 2,773 |
| Net loans and leases to deposits | 73.9082% | 3,328 |
| Net loans and leases to core deposits | 75.8109% | 3,641 |
| Total domestic deposits to total assets | 89.0845% | 1,310 |
| Equity capital to assets | 9.9926% | 4,117 |
| Core capital (leverage) ratio | 9.8486% | 3,817 |
| Tier 1 risk-based capital ratio | 16.3602% | 2,898 |
| Total risk-based capital ratio | 17.5336% | 2,885 |
| Memoranda: | ||
| Average total assets | $144,318,000 | 3,776 |
| Average earning assets | $131,158,330 | 3,782 |
| Average equity | $13,625,000 | 4,114 |
| Average total loans | $88,036,330 | 3,711 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 4,311 |
| Cost of funding earning assets | 0.3732% | 4,273 |
| Net interest margin | 3.4706% | 3,821 |
| Noninterest income to average assets | 0.4646% | 3,675 |
| Noninterest expense to average assets | 2.7765% | 3,651 |
| Loan and lease loss provision to assets | 0.0820% | 2,523 |
| Net operating income to assets | 0.6008% | 4,199 |
| Return on assets (ROA) | 0.5274% | 4,633 |
| Pretax return on assets | 0.6641% | 4,621 |
| Return on Equity (ROE) | 5.7475% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.7475% | 2,669 |
| Net charge-offs to loans | 0.2108% | 1,488 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | 6.8222% | 2,187 |
| Efficiency ratio | 76.7952% | 2,673 |
| Assets per employee ($millions) | 3.7560% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 4,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 4,945 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.7995% | 3,873 |
| Net loans and leases to deposits | 64.3493% | 4,280 |
| Net loans and leases to core deposits | 65.7138% | 4,514 |
| Total domestic deposits to total assets | 89.8214% | 1,171 |
| Equity capital to assets | 9.3095% | 4,749 |
| Core capital (leverage) ratio | 9.5666% | 4,183 |
| Tier 1 risk-based capital ratio | 16.6087% | 2,841 |
| Total risk-based capital ratio | 17.7842% | 2,851 |
| Memoranda: | ||
| Average total assets | $146,370,000 | 3,763 |
| Average earning assets | $132,887,500 | 3,787 |
| Average equity | $13,432,000 | 4,163 |
| Average total loans | $85,392,000 | 3,816 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,732 |
| Cost of funding earning assets | 0.4757% | 3,859 |
| Net interest margin | 3.3459% | 4,496 |
| Noninterest income to average assets | 0.4912% | 3,814 |
| Noninterest expense to average assets | 2.8055% | 3,702 |
| Loan and lease loss provision to assets | 0.0834% | 3,450 |
| Net operating income to assets | 0.5211% | 4,643 |
| Return on assets (ROA) | 0.5211% | 4,772 |
| Pretax return on assets | 0.6128% | 4,834 |
| Return on Equity (ROE) | 5.6552% | 4,300 |
| Retained earnings to average equity (ytd only) | 4.5392% | 2,935 |
| Net charge-offs to loans | -0.0048% | 5,926 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1190% | 2,132 |
| Assets per employee ($millions) | 3.7502% | 4,366 |
| Cash dividends to net income (ytd only)* | 19.7333% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 4,819 |
| Loan loss allowance to noncurrent loans | 690.9722% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 4,741 |
| Noncurrent loans to loans | 0.1691% | 5,689 |
| Net loans and leases to total assets | 57.5306% | 4,113 |
| Net loans and leases to deposits | 63.8838% | 4,517 |
| Net loans and leases to core deposits | 65.2471% | 4,755 |
| Total domestic deposits to total assets | 90.0551% | 1,046 |
| Equity capital to assets | 9.0437% | 4,977 |
| Core capital (leverage) ratio | 9.2611% | 4,616 |
| Tier 1 risk-based capital ratio | 16.3167% | 2,957 |
| Total risk-based capital ratio | 17.5058% | 2,937 |
| Memoranda: | ||
| Average total assets | $143,929,000 | 3,812 |
| Average earning assets | $129,501,800 | 3,854 |
| Average equity | $13,262,200 | 4,214 |
| Average total loans | $82,541,200 | 3,861 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 4,739 |
| Cost of funding earning assets | 0.4947% | 3,820 |
| Net interest margin | 3.3341% | 4,518 |
| Noninterest income to average assets | 0.5478% | 3,478 |
| Noninterest expense to average assets | 2.7448% | 3,852 |
| Loan and lease loss provision to assets | 0.0837% | 3,388 |
| Net operating income to assets | 0.6027% | 4,336 |
| Return on assets (ROA) | 0.6027% | 4,460 |
| Pretax return on assets | 0.7097% | 4,662 |
| Return on Equity (ROE) | 6.5103% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.7668% | 2,558 |
| Net charge-offs to loans | -0.0130% | 5,947 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5762% | 2,474 |
| Assets per employee ($millions) | 3.8252% | 4,179 |
| Cash dividends to net income (ytd only)* | 11.4192% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,019 |
| Loan loss allowance to noncurrent loans | 998.9691% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 4,731 |
| Noncurrent loans to loans | 0.1171% | 5,976 |
| Net loans and leases to total assets | 56.3252% | 4,273 |
| Net loans and leases to deposits | 62.5837% | 4,684 |
| Net loans and leases to core deposits | 63.9320% | 4,911 |
| Total domestic deposits to total assets | 89.9997% | 998 |
| Equity capital to assets | 9.1011% | 5,059 |
| Core capital (leverage) ratio | 9.5997% | 4,244 |
| Tier 1 risk-based capital ratio | 16.7507% | 2,839 |
| Total risk-based capital ratio | 17.9419% | 2,820 |
| Memoranda: | ||
| Average total assets | $143,347,250 | 3,862 |
| Average earning assets | $128,568,000 | 3,913 |
| Average equity | $13,271,000 | 4,257 |
| Average total loans | $81,892,250 | 3,918 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 4,700 |
| Cost of funding earning assets | 0.5079% | 3,826 |
| Net interest margin | 3.3300% | 4,449 |
| Noninterest income to average assets | 0.5158% | 3,731 |
| Noninterest expense to average assets | 2.7475% | 3,863 |
| Loan and lease loss provision to assets | 0.0841% | 3,392 |
| Net operating income to assets | 0.5845% | 4,376 |
| Return on assets (ROA) | 0.5845% | 4,555 |
| Pretax return on assets | 0.6714% | 4,774 |
| Return on Equity (ROE) | 6.2778% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.1637% | 2,951 |
| Net charge-offs to loans | -0.0123% | 5,819 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4314% | 2,388 |
| Assets per employee ($millions) | 3.3929% | 5,080 |
| Cash dividends to net income (ytd only)* | 17.7458% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,307 |
| Loan loss allowance to noncurrent loans | 917.6471% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 4,742 |
| Noncurrent loans to loans | 0.1235% | 6,015 |
| Net loans and leases to total assets | 58.7095% | 3,869 |
| Net loans and leases to deposits | 65.4740% | 4,324 |
| Net loans and leases to core deposits | 66.9528% | 4,597 |
| Total domestic deposits to total assets | 89.6684% | 1,223 |
| Equity capital to assets | 9.4567% | 4,640 |
| Core capital (leverage) ratio | 9.4660% | 4,299 |
| Tier 1 risk-based capital ratio | 16.7116% | 2,834 |
| Total risk-based capital ratio | 17.8793% | 2,842 |
| Memoranda: | ||
| Average total assets | $142,677,670 | 3,902 |
| Average earning assets | $127,989,330 | 3,946 |
| Average equity | $13,285,000 | 4,283 |
| Average total loans | $81,576,000 | 3,938 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 4,939 |
| Cost of funding earning assets | 0.5143% | 3,933 |
| Net interest margin | 3.2520% | 4,725 |
| Noninterest income to average assets | 0.5012% | 3,762 |
| Noninterest expense to average assets | 2.7550% | 3,849 |
| Loan and lease loss provision to assets | 0.0831% | 3,265 |
| Net operating income to assets | 0.4652% | 4,851 |
| Return on assets (ROA) | 0.4652% | 5,012 |
| Pretax return on assets | 0.5870% | 4,996 |
| Return on Equity (ROE) | 5.0337% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.0337% | 3,209 |
| Net charge-offs to loans | -0.0099% | 5,435 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4365% | 2,264 |
| Assets per employee ($millions) | 3.5245% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 5,519 |
| Loan loss allowance to noncurrent loans | 860.0000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 4,936 |
| Noncurrent loans to loans | 0.1304% | 6,079 |
| Net loans and leases to total assets | 55.0870% | 4,227 |
| Net loans and leases to deposits | 61.2815% | 4,645 |
| Net loans and leases to core deposits | 62.6078% | 4,892 |
| Total domestic deposits to total assets | 89.8918% | 1,114 |
| Equity capital to assets | 9.2834% | 5,154 |
| Core capital (leverage) ratio | 9.1540% | 4,631 |
| Tier 1 risk-based capital ratio | 16.4370% | 3,040 |
| Total risk-based capital ratio | 17.5599% | 3,053 |
| Memoranda: | ||
| Average total assets | $144,463,000 | 3,904 |
| Average earning assets | $129,890,000 | 3,941 |
| Average equity | $13,350,000 | 4,317 |
| Average total loans | $81,061,500 | 3,986 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 4,842 |
| Cost of funding earning assets | 0.6467% | 3,938 |
| Net interest margin | 3.4832% | 4,573 |
| Noninterest income to average assets | 0.5124% | 3,817 |
| Noninterest expense to average assets | 2.8816% | 3,713 |
| Loan and lease loss provision to assets | 0.1270% | 4,024 |
| Net operating income to assets | 0.4863% | 4,740 |
| Return on assets (ROA) | 0.4863% | 4,990 |
| Pretax return on assets | 0.6020% | 4,989 |
| Return on Equity (ROE) | 5.3033% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.1487% | 3,307 |
| Net charge-offs to loans | 0.1873% | 3,883 |
| Credit loss provision to net charge-offs | 117.6471% | 2,444 |
| Earnings coverage of net charge-offs (x) | 6.7516% | 2,747 |
| Efficiency ratio | 79.8084% | 2,170 |
| Assets per employee ($millions) | 3.5224% | 4,966 |
| Cash dividends to net income (ytd only)* | 21.7707% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 5,689 |
| Loan loss allowance to noncurrent loans | 791.8182% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 5,015 |
| Noncurrent loans to loans | 0.1348% | 6,145 |
| Net loans and leases to total assets | 55.9098% | 4,307 |
| Net loans and leases to deposits | 62.1881% | 4,766 |
| Net loans and leases to core deposits | 63.5132% | 5,014 |
| Total domestic deposits to total assets | 89.9044% | 1,004 |
| Equity capital to assets | 9.1989% | 5,271 |
| Core capital (leverage) ratio | 9.0287% | 4,852 |
| Tier 1 risk-based capital ratio | 16.2068% | 3,044 |
| Total risk-based capital ratio | 17.2884% | 3,092 |
| Memoranda: | ||
| Average total assets | $141,691,200 | 3,919 |
| Average earning assets | $126,033,200 | 3,979 |
| Average equity | $12,992,000 | 4,360 |
| Average total loans | $81,696,600 | 3,987 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 4,877 |
| Cost of funding earning assets | 0.6701% | 4,017 |
| Net interest margin | 3.5122% | 4,597 |
| Noninterest income to average assets | 0.5446% | 3,645 |
| Noninterest expense to average assets | 2.9454% | 3,429 |
| Loan and lease loss provision to assets | 0.1655% | 3,456 |
| Net operating income to assets | 0.4453% | 5,055 |
| Return on assets (ROA) | 0.4453% | 5,299 |
| Pretax return on assets | 0.5607% | 5,277 |
| Return on Equity (ROE) | 4.8610% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.0766% | 4,025 |
| Net charge-offs to loans | 0.2268% | 3,362 |
| Credit loss provision to net charge-offs | 125.8993% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.5251% | 3,001 |
| Efficiency ratio | 80.2215% | 2,064 |
| Assets per employee ($millions) | 3.5456% | 4,856 |
| Cash dividends to net income (ytd only)* | 16.1359% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 5,680 |
| Loan loss allowance to noncurrent loans | 468.0851% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 5,217 |
| Noncurrent loans to loans | 0.2369% | 6,013 |
| Net loans and leases to total assets | 55.3309% | 4,547 |
| Net loans and leases to deposits | 61.5755% | 5,013 |
| Net loans and leases to core deposits | 63.0401% | 5,260 |
| Total domestic deposits to total assets | 89.8586% | 921 |
| Equity capital to assets | 9.2967% | 5,472 |
| Core capital (leverage) ratio | 9.0850% | 4,937 |
| Tier 1 risk-based capital ratio | 16.4668% | 3,020 |
| Total risk-based capital ratio | 17.5894% | 3,057 |
| Memoranda: | ||
| Average total assets | $141,009,000 | 3,975 |
| Average earning assets | $125,541,750 | 4,027 |
| Average equity | $12,918,750 | 4,412 |
| Average total loans | $81,716,750 | 4,030 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 4,877 |
| Cost of funding earning assets | 0.6970% | 4,037 |
| Net interest margin | 3.5244% | 4,574 |
| Noninterest income to average assets | 0.5414% | 3,644 |
| Noninterest expense to average assets | 2.8663% | 3,758 |
| Loan and lease loss provision to assets | 0.1847% | 3,255 |
| Net operating income to assets | 0.5187% | 4,727 |
| Return on assets (ROA) | 0.5187% | 5,000 |
| Pretax return on assets | 0.6523% | 4,966 |
| Return on Equity (ROE) | 5.6898% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.5051% | 3,608 |
| Net charge-offs to loans | 0.2157% | 3,283 |
| Credit loss provision to net charge-offs | 146.0674% | 1,897 |
| Earnings coverage of net charge-offs (x) | 6.6180% | 2,607 |
| Efficiency ratio | 77.3983% | 2,541 |
| Assets per employee ($millions) | 3.2708% | 5,514 |
| Cash dividends to net income (ytd only)* | 20.8219% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,761 |
| Loan loss allowance to noncurrent loans | 440.2985% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 4,826 |
| Noncurrent loans to loans | 0.2505% | 6,075 |
| Net loans and leases to total assets | 56.4261% | 4,403 |
| Net loans and leases to deposits | 62.7871% | 4,902 |
| Net loans and leases to core deposits | 64.2912% | 5,181 |
| Total domestic deposits to total assets | 89.8689% | 1,003 |
| Equity capital to assets | 9.2530% | 5,391 |
| Core capital (leverage) ratio | 9.0491% | 4,844 |
| Tier 1 risk-based capital ratio | 16.2981% | 3,003 |
| Total risk-based capital ratio | 17.4248% | 3,040 |
| Memoranda: | ||
| Average total assets | $140,737,000 | 3,997 |
| Average earning assets | $126,262,330 | 4,027 |
| Average equity | $12,830,000 | 4,426 |
| Average total loans | $82,504,670 | 4,024 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 5,002 |
| Cost of funding earning assets | 0.7351% | 3,985 |
| Net interest margin | 3.4924% | 4,744 |
| Noninterest income to average assets | 0.5484% | 3,573 |
| Noninterest expense to average assets | 2.8810% | 3,704 |
| Loan and lease loss provision to assets | 0.1563% | 3,427 |
| Net operating income to assets | 0.4773% | 4,918 |
| Return on assets (ROA) | 0.4773% | 5,116 |
| Pretax return on assets | 0.6563% | 4,922 |
| Return on Equity (ROE) | 5.2756% | 4,653 |
| Retained earnings to average equity (ytd only) | 5.2756% | 3,388 |
| Net charge-offs to loans | 0.3252% | 2,349 |
| Credit loss provision to net charge-offs | 80.8824% | 2,707 |
| Earnings coverage of net charge-offs (x) | 4.2059% | 2,637 |
| Efficiency ratio | 78.0000% | 2,492 |
| Assets per employee ($millions) | 3.2181% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 6,215 |
| Loan loss allowance to noncurrent loans | 222.7882% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 4,723 |
| Noncurrent loans to loans | 0.4523% | 5,772 |
| Net loans and leases to total assets | 57.6484% | 4,102 |
| Net loans and leases to deposits | 64.0629% | 4,628 |
| Net loans and leases to core deposits | 65.7959% | 4,937 |
| Total domestic deposits to total assets | 89.9871% | 1,094 |
| Equity capital to assets | 9.0213% | 5,463 |
| Core capital (leverage) ratio | 8.9998% | 4,846 |
| Tier 1 risk-based capital ratio | 15.8369% | 3,255 |
| Total risk-based capital ratio | 16.8746% | 3,348 |
| Memoranda: | ||
| Average total assets | $140,782,500 | 4,015 |
| Average earning assets | $126,791,000 | 4,042 |
| Average equity | $12,738,000 | 4,457 |
| Average total loans | $83,634,000 | 4,021 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 4,609 |
| Cost of funding earning assets | 0.9494% | 3,728 |
| Net interest margin | 3.6658% | 4,449 |
| Noninterest income to average assets | 0.4763% | 4,021 |
| Noninterest expense to average assets | 3.1004% | 3,193 |
| Loan and lease loss provision to assets | 0.1285% | 5,005 |
| Net operating income to assets | 0.3926% | 4,900 |
| Return on assets (ROA) | 0.4677% | 4,756 |
| Pretax return on assets | 0.6462% | 4,526 |
| Return on Equity (ROE) | 5.3147% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.1057% | 3,267 |
| Net charge-offs to loans | 0.1922% | 4,603 |
| Credit loss provision to net charge-offs | 104.6512% | 3,275 |
| Earnings coverage of net charge-offs (x) | 5.4593% | 2,787 |
| Efficiency ratio | 82.2193% | 1,990 |
| Assets per employee ($millions) | 3.5889% | 4,798 |
| Cash dividends to net income (ytd only)* | 22.7481% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,246 |
| Loan loss allowance to noncurrent loans | 158.0524% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 4,925 |
| Noncurrent loans to loans | 0.6297% | 5,457 |
| Net loans and leases to total assets | 59.9884% | 3,994 |
| Net loans and leases to deposits | 66.6735% | 4,642 |
| Net loans and leases to core deposits | 68.5158% | 4,968 |
| Total domestic deposits to total assets | 89.9734% | 1,007 |
| Equity capital to assets | 9.0750% | 5,455 |
| Core capital (leverage) ratio | 8.9874% | 4,811 |
| Tier 1 risk-based capital ratio | 15.5356% | 3,304 |
| Total risk-based capital ratio | 16.5835% | 3,382 |
| Memoranda: | ||
| Average total assets | $140,047,200 | 3,975 |
| Average earning assets | $125,865,000 | 4,017 |
| Average equity | $12,324,200 | 4,471 |
| Average total loans | $89,511,200 | 3,868 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 4,682 |
| Cost of funding earning assets | 0.9889% | 3,756 |
| Net interest margin | 3.6589% | 4,533 |
| Noninterest income to average assets | 0.4645% | 4,175 |
| Noninterest expense to average assets | 3.1384% | 3,031 |
| Loan and lease loss provision to assets | 0.1285% | 4,824 |
| Net operating income to assets | 0.3492% | 5,205 |
| Return on assets (ROA) | 0.4493% | 4,976 |
| Pretax return on assets | 0.6225% | 4,735 |
| Return on Equity (ROE) | 5.1458% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.3390% | 3,642 |
| Net charge-offs to loans | 0.0662% | 5,300 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 14.2885% | 1,545 |
| Efficiency ratio | 83.6802% | 1,762 |
| Assets per employee ($millions) | 3.2017% | 5,679 |
| Cash dividends to net income (ytd only)* | 15.6772% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 6,032 |
| Loan loss allowance to noncurrent loans | 177.3946% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 4,443 |
| Noncurrent loans to loans | 0.5943% | 5,686 |
| Net loans and leases to total assets | 61.6970% | 3,798 |
| Net loans and leases to deposits | 68.5136% | 4,519 |
| Net loans and leases to core deposits | 70.5353% | 4,884 |
| Total domestic deposits to total assets | 90.0507% | 841 |
| Equity capital to assets | 8.9619% | 5,796 |
| Core capital (leverage) ratio | 8.9288% | 5,054 |
| Tier 1 risk-based capital ratio | 14.9942% | 3,660 |
| Total risk-based capital ratio | 16.1135% | 3,716 |
| Memoranda: | ||
| Average total assets | $140,067,250 | 3,995 |
| Average earning assets | $125,791,500 | 4,043 |
| Average equity | $12,229,750 | 4,506 |
| Average total loans | $90,687,000 | 3,876 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 4,643 |
| Cost of funding earning assets | 1.0279% | 3,754 |
| Net interest margin | 3.6459% | 4,539 |
| Noninterest income to average assets | 0.4893% | 3,954 |
| Noninterest expense to average assets | 3.1216% | 3,176 |
| Loan and lease loss provision to assets | 0.1288% | 4,678 |
| Net operating income to assets | 0.4034% | 4,928 |
| Return on assets (ROA) | 0.4034% | 5,089 |
| Pretax return on assets | 0.5322% | 4,961 |
| Return on Equity (ROE) | 4.6619% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.4386% | 4,070 |
| Net charge-offs to loans | 0.0065% | 5,779 |
| Credit loss provision to net charge-offs | 3,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 233 |
| Efficiency ratio | 82.5265% | 2,023 |
| Assets per employee ($millions) | 3.1425% | 5,771 |
| Cash dividends to net income (ytd only)* | 26.2411% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,262 |
| Loan loss allowance to noncurrent loans | 102.1018% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.4920% | 3,968 |
| Noncurrent loans to loans | 0.9960% | 5,001 |
| Net loans and leases to total assets | 64.9726% | 3,264 |
| Net loans and leases to deposits | 72.0916% | 4,096 |
| Net loans and leases to core deposits | 74.7334% | 4,480 |
| Total domestic deposits to total assets | 90.1250% | 911 |
| Equity capital to assets | 8.9449% | 5,657 |
| Core capital (leverage) ratio | 8.7507% | 5,137 |
| Tier 1 risk-based capital ratio | 14.4909% | 3,790 |
| Total risk-based capital ratio | 15.5859% | 3,888 |
| Memoranda: | ||
| Average total assets | $139,798,330 | 4,031 |
| Average earning assets | $126,279,330 | 4,064 |
| Average equity | $12,098,000 | 4,533 |
| Average total loans | $91,635,670 | 3,897 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 4,484 |
| Cost of funding earning assets | 1.0618% | 3,775 |
| Net interest margin | 3.6455% | 4,349 |
| Noninterest income to average assets | 0.4667% | 4,140 |
| Noninterest expense to average assets | 3.0876% | 3,305 |
| Loan and lease loss provision to assets | 0.1281% | 4,392 |
| Net operating income to assets | 0.4069% | 4,916 |
| Return on assets (ROA) | 0.4069% | 5,004 |
| Pretax return on assets | 0.5435% | 4,886 |
| Return on Equity (ROE) | 4.7814% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.7814% | 3,315 |
| Net charge-offs to loans | -0.0739% | 7,001 |
| Credit loss provision to net charge-offs | -264.7059% | 5,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1347% | 2,208 |
| Assets per employee ($millions) | 3.1213% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 6,454 |
| Loan loss allowance to noncurrent loans | 278.0186% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 4,786 |
| Noncurrent loans to loans | 0.3540% | 6,282 |
| Net loans and leases to total assets | 64.3236% | 3,385 |
| Net loans and leases to deposits | 71.1237% | 4,182 |
| Net loans and leases to core deposits | 73.8304% | 4,547 |
| Total domestic deposits to total assets | 90.4391% | 874 |
| Equity capital to assets | 8.5934% | 5,778 |
| Core capital (leverage) ratio | 8.6417% | 5,187 |
| Tier 1 risk-based capital ratio | 14.3453% | 3,837 |
| Total risk-based capital ratio | 15.4055% | 3,939 |
| Memoranda: | ||
| Average total assets | $140,563,000 | 4,057 |
| Average earning assets | $126,950,500 | 4,085 |
| Average equity | $11,963,000 | 4,558 |
| Average total loans | $92,073,500 | 3,925 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 4,293 |
| Cost of funding earning assets | 1.2374% | 4,308 |
| Net interest margin | 3.8201% | 3,869 |
| Noninterest income to average assets | 0.5425% | 3,868 |
| Noninterest expense to average assets | 3.1526% | 3,263 |
| Loan and lease loss provision to assets | 0.2086% | 5,162 |
| Net operating income to assets | 0.4901% | 4,149 |
| Return on assets (ROA) | 0.6259% | 3,719 |
| Pretax return on assets | 0.7764% | 3,707 |
| Return on Equity (ROE) | 7.0885% | 3,073 |
| Retained earnings to average equity (ytd only) | 5.8311% | 1,915 |
| Net charge-offs to loans | 0.2873% | 4,583 |
| Credit loss provision to net charge-offs | 104.4776% | 4,298 |
| Earnings coverage of net charge-offs (x) | 4.0933% | 3,069 |
| Efficiency ratio | 79.4107% | 2,496 |
| Assets per employee ($millions) | 3.1970% | 5,675 |
| Cash dividends to net income (ytd only)* | 17.7381% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,725 |
| Loan loss allowance to noncurrent loans | 257.2308% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 1.1701% | 4,672 |
| Noncurrent loans to loans | 0.3498% | 6,359 |
| Net loans and leases to total assets | 65.4487% | 3,567 |
| Net loans and leases to deposits | 72.3761% | 4,449 |
| Net loans and leases to core deposits | 75.1387% | 4,836 |
| Total domestic deposits to total assets | 90.4286% | 875 |
| Equity capital to assets | 8.4283% | 5,952 |
| Core capital (leverage) ratio | 8.5456% | 5,281 |
| Tier 1 risk-based capital ratio | 13.9963% | 3,877 |
| Total risk-based capital ratio | 14.9708% | 4,022 |
| Memoranda: | ||
| Average total assets | $134,204,800 | 4,172 |
| Average earning assets | $120,417,200 | 4,220 |
| Average equity | $11,850,200 | 4,652 |
| Average total loans | $93,267,800 | 3,973 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 4,131 |
| Cost of funding earning assets | 1.2621% | 4,483 |
| Net interest margin | 3.8761% | 3,636 |
| Noninterest income to average assets | 0.5742% | 3,624 |
| Noninterest expense to average assets | 3.1525% | 3,100 |
| Loan and lease loss provision to assets | 0.1760% | 5,281 |
| Net operating income to assets | 0.6122% | 3,824 |
| Return on assets (ROA) | 0.8045% | 3,134 |
| Pretax return on assets | 0.9432% | 3,395 |
| Return on Equity (ROE) | 9.0021% | 2,487 |
| Retained earnings to average equity (ytd only) | 8.1695% | 1,363 |
| Net charge-offs to loans | 0.2099% | 4,685 |
| Credit loss provision to net charge-offs | 119.0476% | 3,477 |
| Earnings coverage of net charge-offs (x) | 6.0407% | 2,611 |
| Efficiency ratio | 77.9269% | 2,635 |
| Assets per employee ($millions) | 3.0028% | 6,142 |
| Cash dividends to net income (ytd only)* | 9.2496% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,769 |
| Loan loss allowance to noncurrent loans | 88.3817% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 4,221 |
| Noncurrent loans to loans | 1.0096% | 5,219 |
| Net loans and leases to total assets | 68.5118% | 3,094 |
| Net loans and leases to deposits | 76.0795% | 4,163 |
| Net loans and leases to core deposits | 77.5044% | 4,864 |
| Total domestic deposits to total assets | 90.0529% | 849 |
| Equity capital to assets | 8.8554% | 5,768 |
| Core capital (leverage) ratio | 8.8830% | 4,871 |
| Tier 1 risk-based capital ratio | 14.0242% | 3,815 |
| Total risk-based capital ratio | 15.0165% | 3,964 |
| Memoranda: | ||
| Average total assets | $132,588,750 | 4,263 |
| Average earning assets | $118,741,000 | 4,315 |
| Average equity | $11,848,750 | 4,722 |
| Average total loans | $93,359,250 | 4,042 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 3,578 |
| Cost of funding earning assets | 1.3088% | 4,481 |
| Net interest margin | 3.9676% | 3,173 |
| Noninterest income to average assets | 0.6073% | 3,286 |
| Noninterest expense to average assets | 3.2476% | 2,737 |
| Loan and lease loss provision to assets | 0.1989% | 4,879 |
| Net operating income to assets | 0.5511% | 4,086 |
| Return on assets (ROA) | 0.8230% | 3,012 |
| Pretax return on assets | 1.0479% | 2,945 |
| Return on Equity (ROE) | 9.1801% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.9174% | 1,473 |
| Net charge-offs to loans | 0.3130% | 3,757 |
| Credit loss provision to net charge-offs | 89.6552% | 4,432 |
| Earnings coverage of net charge-offs (x) | 4.0690% | 3,070 |
| Efficiency ratio | 78.2529% | 2,686 |
| Assets per employee ($millions) | 3.0486% | 6,037 |
| Cash dividends to net income (ytd only)* | 13.7546% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,924 |
| Loan loss allowance to noncurrent loans | 211.7801% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 4,640 |
| Noncurrent loans to loans | 0.3990% | 6,442 |
| Net loans and leases to total assets | 70.7721% | 2,722 |
| Net loans and leases to deposits | 78.5479% | 3,875 |
| Net loans and leases to core deposits | 80.0670% | 4,688 |
| Total domestic deposits to total assets | 90.1006% | 874 |
| Equity capital to assets | 8.8863% | 5,621 |
| Core capital (leverage) ratio | 8.7747% | 4,964 |
| Tier 1 risk-based capital ratio | 13.7376% | 3,914 |
| Total risk-based capital ratio | 14.6810% | 4,080 |
| Memoranda: | ||
| Average total assets | $130,741,330 | 4,332 |
| Average earning assets | $116,747,000 | 4,397 |
| Average equity | $11,721,000 | 4,756 |
| Average total loans | $92,649,670 | 4,090 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1802% | 4,131 |
| Cost of funding earning assets | 1.3705% | 4,353 |
| Net interest margin | 3.8097% | 3,759 |
| Noninterest income to average assets | 0.5921% | 3,328 |
| Noninterest expense to average assets | 3.2950% | 2,547 |
| Loan and lease loss provision to assets | 0.1395% | 5,157 |
| Net operating income to assets | 0.4867% | 4,463 |
| Return on assets (ROA) | 0.4867% | 4,598 |
| Pretax return on assets | 0.5611% | 4,747 |
| Return on Equity (ROE) | 5.4038% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.4038% | 2,932 |
| Net charge-offs to loans | 0.2064% | 3,678 |
| Credit loss provision to net charge-offs | 95.7447% | 3,529 |
| Earnings coverage of net charge-offs (x) | 4.8085% | 2,545 |
| Efficiency ratio | 82.4670% | 2,212 |
| Assets per employee ($millions) | 2.6159% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 6,836 |
| Loan loss allowance to noncurrent loans | 76.1111% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6369% | 4,030 |
| Noncurrent loans to loans | 1.1825% | 4,999 |
| Net loans and leases to total assets | 69.1996% | 3,112 |
| Net loans and leases to deposits | 76.8534% | 4,247 |
| Net loans and leases to core deposits | 78.3767% | 4,981 |
| Total domestic deposits to total assets | 90.0411% | 967 |
| Equity capital to assets | 8.9574% | 5,342 |
| Core capital (leverage) ratio | 8.9438% | 4,659 |
| Tier 1 risk-based capital ratio | 13.8244% | 3,783 |
| Total risk-based capital ratio | 14.8149% | 3,910 |
| Memoranda: | ||
| Average total assets | $129,042,500 | 4,436 |
| Average earning assets | $115,285,500 | 4,489 |
| Average equity | $11,621,500 | 4,810 |
| Average total loans | $91,103,500 | 4,182 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 4,021 |
| Cost of funding earning assets | 1.6360% | 4,864 |
| Net interest margin | 3.8879% | 3,318 |
| Noninterest income to average assets | 0.6658% | 3,188 |
| Noninterest expense to average assets | 3.3411% | 2,871 |
| Loan and lease loss provision to assets | 0.0975% | 6,640 |
| Net operating income to assets | 0.4860% | 3,787 |
| Return on assets (ROA) | -0.1829% | 5,819 |
| Pretax return on assets | -0.2569% | 5,781 |
| Return on Equity (ROE) | -1.9462% | 5,851 |
| Retained earnings to average equity (ytd only) | -3.2350% | 5,741 |
| Net charge-offs to loans | 0.1160% | 6,005 |
| Credit loss provision to net charge-offs | 118.8119% | 4,522 |
| Earnings coverage of net charge-offs (x) | 9.5347% | 1,783 |
| Efficiency ratio | 81.0171% | 2,747 |
| Assets per employee ($millions) | 2.6518% | 6,946 |
| Cash dividends to net income (ytd only)* | -66.2222% | 7,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 6,783 |
| Loan loss allowance to noncurrent loans | 79.5367% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 3,906 |
| Noncurrent loans to loans | 1.1400% | 5,052 |
| Net loans and leases to total assets | 70.7451% | 3,070 |
| Net loans and leases to deposits | 78.6449% | 4,247 |
| Net loans and leases to core deposits | 91.2749% | 4,980 |
| Total domestic deposits to total assets | 89.9551% | 985 |
| Equity capital to assets | 9.0558% | 5,054 |
| Core capital (leverage) ratio | 9.0881% | 4,276 |
| Tier 1 risk-based capital ratio | 13.7222% | 3,670 |
| Total risk-based capital ratio | 14.7214% | 3,787 |
| Memoranda: | ||
| Average total assets | $123,014,400 | 4,492 |
| Average earning assets | $109,415,600 | 4,582 |
| Average equity | $11,561,000 | 4,856 |
| Average total loans | $87,041,000 | 4,301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 4,022 |
| Cost of funding earning assets | 1.6917% | 4,944 |
| Net interest margin | 3.8802% | 3,307 |
| Noninterest income to average assets | 0.7063% | 2,975 |
| Noninterest expense to average assets | 3.3129% | 2,861 |
| Loan and lease loss provision to assets | 0.0984% | 6,384 |
| Net operating income to assets | 0.6537% | 3,387 |
| Return on assets (ROA) | -0.4614% | 6,391 |
| Pretax return on assets | -0.5215% | 6,323 |
| Return on Equity (ROE) | -4.8632% | 6,437 |
| Retained earnings to average equity (ytd only) | -5.7161% | 6,354 |
| Net charge-offs to loans | 0.0201% | 6,621 |
| Credit loss provision to net charge-offs | 692.3077% | 540 |
| Earnings coverage of net charge-offs (x) | 59.3947% | 552 |
| Efficiency ratio | 79.6949% | 2,898 |
| Assets per employee ($millions) | 2.7067% | 6,835 |
| Cash dividends to net income (ytd only)* | -17.5349% | 7,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 6,422 |
| Loan loss allowance to noncurrent loans | 142.0290% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 4,685 |
| Noncurrent loans to loans | 0.6858% | 5,929 |
| Net loans and leases to total assets | 73.6193% | 2,638 |
| Net loans and leases to deposits | 82.2478% | 3,971 |
| Net loans and leases to core deposits | 95.6531% | 4,848 |
| Total domestic deposits to total assets | 89.5091% | 960 |
| Equity capital to assets | 9.4507% | 4,813 |
| Core capital (leverage) ratio | 9.2405% | 4,277 |
| Tier 1 risk-based capital ratio | 13.6907% | 3,720 |
| Total risk-based capital ratio | 14.7696% | 3,770 |
| Memoranda: | ||
| Average total assets | $121,946,000 | 4,544 |
| Average earning assets | $108,445,250 | 4,637 |
| Average equity | $11,569,500 | 4,904 |
| Average total loans | $86,082,750 | 4,364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6028% | 4,063 |
| Cost of funding earning assets | 1.7655% | 4,925 |
| Net interest margin | 3.8373% | 3,380 |
| Noninterest income to average assets | 0.7000% | 2,996 |
| Noninterest expense to average assets | 3.3690% | 2,729 |
| Loan and lease loss provision to assets | 0.0984% | 6,190 |
| Net operating income to assets | 0.6410% | 3,500 |
| Return on assets (ROA) | -1.2968% | 7,170 |
| Pretax return on assets | -1.2951% | 6,985 |
| Return on Equity (ROE) | -13.6509% | 7,260 |
| Retained earnings to average equity (ytd only) | -14.9279% | 7,229 |
| Net charge-offs to loans | 0.0355% | 5,970 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 30.1333% | 994 |
| Efficiency ratio | 81.9705% | 2,727 |
| Assets per employee ($millions) | 2.5833% | 7,089 |
| Cash dividends to net income (ytd only)* | -9.3552% | 7,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 6,429 |
| Loan loss allowance to noncurrent loans | 134.9206% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 4,480 |
| Noncurrent loans to loans | 0.7215% | 5,793 |
| Net loans and leases to total assets | 72.7689% | 3,011 |
| Net loans and leases to deposits | 81.1159% | 4,371 |
| Net loans and leases to core deposits | 93.2423% | 5,211 |
| Total domestic deposits to total assets | 89.7098% | 958 |
| Equity capital to assets | 9.2207% | 4,982 |
| Core capital (leverage) ratio | 8.9376% | 4,731 |
| Tier 1 risk-based capital ratio | 13.5182% | 3,808 |
| Total risk-based capital ratio | 14.5797% | 3,849 |
| Memoranda: | ||
| Average total assets | $121,994,330 | 4,582 |
| Average earning assets | $108,409,330 | 4,671 |
| Average equity | $11,589,000 | 4,926 |
| Average total loans | $84,593,330 | 4,444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 4,814 |
| Cost of funding earning assets | 1.8759% | 4,762 |
| Net interest margin | 3.6431% | 4,127 |
| Noninterest income to average assets | 0.6215% | 3,403 |
| Noninterest expense to average assets | 3.2272% | 2,870 |
| Loan and lease loss provision to assets | 0.0971% | 5,719 |
| Net operating income to assets | 0.4823% | 4,505 |
| Return on assets (ROA) | 0.4823% | 4,697 |
| Pretax return on assets | 0.5535% | 4,899 |
| Return on Equity (ROE) | 5.0063% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.0063% | 3,128 |
| Net charge-offs to loans | 0.1105% | 4,083 |
| Credit loss provision to net charge-offs | 130.4348% | 3,071 |
| Earnings coverage of net charge-offs (x) | 8.7391% | 2,154 |
| Efficiency ratio | 83.2220% | 2,386 |
| Assets per employee ($millions) | 2.6588% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,414 |
| Loan loss allowance to noncurrent loans | 130.5466% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 4,132 |
| Noncurrent loans to loans | 0.7376% | 5,586 |
| Net loans and leases to total assets | 68.2826% | 4,069 |
| Net loans and leases to deposits | 76.5381% | 5,143 |
| Net loans and leases to core deposits | 88.0651% | 5,731 |
| Total domestic deposits to total assets | 89.2139% | 1,136 |
| Equity capital to assets | 9.8328% | 4,205 |
| Core capital (leverage) ratio | 9.7117% | 3,738 |
| Tier 1 risk-based capital ratio | 14.7747% | 3,169 |
| Total risk-based capital ratio | 15.7881% | 3,218 |
| Memoranda: | ||
| Average total assets | $123,576,000 | 4,558 |
| Average earning assets | $110,454,500 | 4,628 |
| Average equity | $11,905,000 | 4,864 |
| Average total loans | $83,229,000 | 4,522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8945% | 6,058 |
| Cost of funding earning assets | 2.5357% | 4,021 |
| Net interest margin | 3.3588% | 5,825 |
| Noninterest income to average assets | 0.6504% | 3,474 |
| Noninterest expense to average assets | 3.5549% | 2,253 |
| Loan and lease loss provision to assets | 0.0786% | 6,413 |
| Net operating income to assets | 0.0495% | 6,234 |
| Return on assets (ROA) | 0.0912% | 5,974 |
| Pretax return on assets | 0.0912% | 5,963 |
| Return on Equity (ROE) | 0.9684% | 5,927 |
| Retained earnings to average equity (ytd only) | -1.6947% | 5,788 |
| Net charge-offs to loans | 0.2868% | 3,488 |
| Credit loss provision to net charge-offs | 43.6681% | 6,423 |
| Earnings coverage of net charge-offs (x) | 0.7118% | 5,798 |
| Efficiency ratio | 96.5193% | 1,122 |
| Assets per employee ($millions) | 2.5479% | 7,116 |
| Cash dividends to net income (ytd only)* | 275.0000% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,208 |
| Loan loss allowance to noncurrent loans | 103.6036% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 3,619 |
| Noncurrent loans to loans | 0.9460% | 4,714 |
| Net loans and leases to total assets | 65.1421% | 5,024 |
| Net loans and leases to deposits | 72.7045% | 5,980 |
| Net loans and leases to core deposits | 84.4142% | 6,263 |
| Total domestic deposits to total assets | 89.5985% | 808 |
| Equity capital to assets | 9.4388% | 4,772 |
| Core capital (leverage) ratio | 9.2907% | 4,310 |
| Tier 1 risk-based capital ratio | 14.7952% | 3,150 |
| Total risk-based capital ratio | 15.8141% | 3,184 |
| Memoranda: | ||
| Average total assets | $127,147,600 | 4,346 |
| Average earning assets | $114,801,800 | 4,394 |
| Average equity | $11,978,200 | 4,831 |
| Average total loans | $79,834,200 | 4,517 |