Home > First State Bank of Newcastle > Performance and Condition Ratios
First State Bank of Newcastle, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6941% | 4,406 |
| Cost of funding earning assets | 0.3582% | 2,416 |
| Net interest margin | 2.3358% | 4,403 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.3043% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3111% | 4,356 |
| Return on assets (ROA) | -1.1825% | 4,663 |
| Pretax return on assets | -1.1825% | 4,653 |
| Return on Equity (ROE) | -12.7900% | 4,673 |
| Retained earnings to average equity (ytd only) | -16.5640% | 4,683 |
| Net charge-offs to loans | -0.0164% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.1051% | 356 |
| Assets per employee ($millions) | 7.8373% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7574% | 160 |
| Loan loss allowance to noncurrent loans | 274.7045% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 1,927 |
| Noncurrent loans to loans | 1.0038% | 729 |
| Net loans and leases to total assets | 23.7700% | 4,510 |
| Net loans and leases to deposits | 25.8277% | 4,528 |
| Net loans and leases to core deposits | 29.5380% | 4,488 |
| Total domestic deposits to total assets | 92.0200% | 637 |
| Equity capital to assets | 7.6476% | 3,291 |
| Core capital (leverage) ratio | 7.2837% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2240% | 360 |
| Memoranda: | ||
| Average total assets | $174,539,800 | 3,238 |
| Average earning assets | $170,003,000 | 3,157 |
| Average equity | $16,143,400 | 3,262 |
| Average total loans | $42,640,600 | 4,015 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2457% | 4,556 |
| Cost of funding earning assets | 0.2660% | 2,532 |
| Net interest margin | 1.9797% | 4,556 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.7638% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4981% | 4,078 |
| Return on assets (ROA) | 0.2879% | 4,353 |
| Pretax return on assets | 0.2879% | 4,388 |
| Return on Equity (ROE) | 2.9900% | 4,297 |
| Retained earnings to average equity (ytd only) | -1.8322% | 4,484 |
| Net charge-offs to loans | -0.0249% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.9798% | 912 |
| Assets per employee ($millions) | 7.1373% | 1,850 |
| Cash dividends to net income (ytd only)* | 161.3757% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7813% | 164 |
| Loan loss allowance to noncurrent loans | 602.0725% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,837 |
| Noncurrent loans to loans | 0.4620% | 1,645 |
| Net loans and leases to total assets | 23.7100% | 4,551 |
| Net loans and leases to deposits | 25.7582% | 4,566 |
| Net loans and leases to core deposits | 29.6003% | 4,515 |
| Total domestic deposits to total assets | 92.0500% | 862 |
| Equity capital to assets | 7.7836% | 3,030 |
| Core capital (leverage) ratio | 11.7127% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8887% | 154 |
| Memoranda: | ||
| Average total assets | $175,069,500 | 3,257 |
| Average earning assets | $170,933,000 | 3,166 |
| Average equity | $16,882,750 | 3,250 |
| Average total loans | $42,765,500 | 4,040 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1544% | 4,586 |
| Cost of funding earning assets | 0.2034% | 2,874 |
| Net interest margin | 1.9510% | 4,578 |
| Noninterest income to average assets | 0.3244% | 3,229 |
| Noninterest expense to average assets | 1.6640% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5649% | 3,720 |
| Return on assets (ROA) | 0.5626% | 3,677 |
| Pretax return on assets | 0.5626% | 3,895 |
| Return on Equity (ROE) | 5.4910% | 3,711 |
| Retained earnings to average equity (ytd only) | 0.8192% | 4,030 |
| Net charge-offs to loans | -0.0139% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6565% | 1,431 |
| Assets per employee ($millions) | 7.2564% | 1,766 |
| Cash dividends to net income (ytd only)* | 85.0806% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 189 |
| Loan loss allowance to noncurrent loans | 980.5085% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,298 |
| Noncurrent loans to loans | 0.2791% | 2,347 |
| Net loans and leases to total assets | 23.6126% | 4,603 |
| Net loans and leases to deposits | 25.9595% | 4,618 |
| Net loans and leases to core deposits | 29.9863% | 4,567 |
| Total domestic deposits to total assets | 90.9591% | 1,259 |
| Equity capital to assets | 8.9008% | 2,446 |
| Core capital (leverage) ratio | 11.8804% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1519% | 129 |
| Memoranda: | ||
| Average total assets | $176,327,333 | 3,273 |
| Average earning assets | $172,115,333 | 3,197 |
| Average equity | $18,066,000 | 3,230 |
| Average total loans | $43,094,333 | 4,084 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1343% | 4,563 |
| Cost of funding earning assets | 0.1915% | 2,919 |
| Net interest margin | 1.9428% | 4,552 |
| Noninterest income to average assets | 0.3247% | 3,159 |
| Noninterest expense to average assets | 1.7090% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5141% | 3,672 |
| Return on assets (ROA) | 0.5141% | 3,641 |
| Pretax return on assets | 0.5141% | 3,848 |
| Return on Equity (ROE) | 4.7135% | 3,698 |
| Retained earnings to average equity (ytd only) | -0.7236% | 4,112 |
| Net charge-offs to loans | -0.0276% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8763% | 1,428 |
| Assets per employee ($millions) | 7.2305% | 1,831 |
| Cash dividends to net income (ytd only)* | 115.3509% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6589% | 242 |
| Loan loss allowance to noncurrent loans | 443.2950% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 2,747 |
| Noncurrent loans to loans | 0.5998% | 1,561 |
| Net loans and leases to total assets | 24.4092% | 4,608 |
| Net loans and leases to deposits | 27.1112% | 4,620 |
| Net loans and leases to core deposits | 31.3779% | 4,551 |
| Total domestic deposits to total assets | 90.0336% | 1,544 |
| Equity capital to assets | 9.8379% | 2,014 |
| Core capital (leverage) ratio | 11.7788% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3798% | 139 |
| Memoranda: | ||
| Average total assets | $177,414,500 | 3,279 |
| Average earning assets | $173,360,000 | 3,197 |
| Average equity | $19,348,500 | 3,204 |
| Average total loans | $43,502,000 | 4,091 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2887% | 4,592 |
| Cost of funding earning assets | 0.2680% | 2,723 |
| Net interest margin | 2.0206% | 4,588 |
| Noninterest income to average assets | 0.3984% | 3,058 |
| Noninterest expense to average assets | 1.7740% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5957% | 3,885 |
| Return on assets (ROA) | 0.5957% | 3,927 |
| Pretax return on assets | 0.5957% | 4,115 |
| Return on Equity (ROE) | 4.7166% | 4,057 |
| Retained earnings to average equity (ytd only) | 1.9009% | 4,007 |
| Net charge-offs to loans | -0.0261% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8633% | 1,224 |
| Assets per employee ($millions) | 7.5540% | 1,582 |
| Cash dividends to net income (ytd only)* | 59.6973% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6535% | 229 |
| Loan loss allowance to noncurrent loans | 430.5970% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 2,908 |
| Noncurrent loans to loans | 0.6162% | 1,605 |
| Net loans and leases to total assets | 23.3513% | 4,665 |
| Net loans and leases to deposits | 26.5580% | 4,678 |
| Net loans and leases to core deposits | 30.8238% | 4,629 |
| Total domestic deposits to total assets | 87.9258% | 2,085 |
| Equity capital to assets | 11.9280% | 1,285 |
| Core capital (leverage) ratio | 11.7814% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0773% | 157 |
| Memoranda: | ||
| Average total assets | $177,452,000 | 3,230 |
| Average earning assets | $173,114,800 | 3,149 |
| Average equity | $22,410,400 | 3,023 |
| Average total loans | $42,091,000 | 4,145 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3691% | 4,644 |
| Cost of funding earning assets | 0.2921% | 2,666 |
| Net interest margin | 2.0770% | 4,639 |
| Noninterest income to average assets | 0.2908% | 3,709 |
| Noninterest expense to average assets | 1.7685% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5477% | 4,102 |
| Return on assets (ROA) | 0.5477% | 4,147 |
| Pretax return on assets | 0.5477% | 4,304 |
| Return on Equity (ROE) | 4.2759% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.2385% | 4,363 |
| Net charge-offs to loans | -0.0447% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3536% | 1,017 |
| Assets per employee ($millions) | 7.7449% | 1,417 |
| Cash dividends to net income (ytd only)* | 71.0345% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8491% | 184 |
| Loan loss allowance to noncurrent loans | 521.1712% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 3,284 |
| Noncurrent loans to loans | 0.5467% | 1,953 |
| Net loans and leases to total assets | 22.1475% | 4,769 |
| Net loans and leases to deposits | 25.3517% | 4,777 |
| Net loans and leases to core deposits | 29.3162% | 4,738 |
| Total domestic deposits to total assets | 87.3611% | 2,181 |
| Equity capital to assets | 12.4946% | 1,170 |
| Core capital (leverage) ratio | 11.8539% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5721% | 202 |
| Memoranda: | ||
| Average total assets | $176,491,000 | 3,272 |
| Average earning assets | $172,100,500 | 3,195 |
| Average equity | $22,606,750 | 3,048 |
| Average total loans | $41,741,500 | 4,205 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4345% | 4,658 |
| Cost of funding earning assets | 0.3206% | 2,581 |
| Net interest margin | 2.1139% | 4,648 |
| Noninterest income to average assets | 0.2785% | 3,746 |
| Noninterest expense to average assets | 1.7358% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6036% | 3,978 |
| Return on assets (ROA) | 0.6036% | 4,030 |
| Pretax return on assets | 0.6036% | 4,231 |
| Return on Equity (ROE) | 4.6736% | 4,194 |
| Retained earnings to average equity (ytd only) | 1.8131% | 4,159 |
| Net charge-offs to loans | -0.0617% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1983% | 1,231 |
| Assets per employee ($millions) | 6.8393% | 1,916 |
| Cash dividends to net income (ytd only)* | 61.2053% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7203% | 204 |
| Loan loss allowance to noncurrent loans | 1,179.5918% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,865 |
| Noncurrent loans to loans | 0.2306% | 3,129 |
| Net loans and leases to total assets | 23.2473% | 4,792 |
| Net loans and leases to deposits | 26.6516% | 4,803 |
| Net loans and leases to core deposits | 30.8873% | 4,761 |
| Total domestic deposits to total assets | 87.2266% | 2,208 |
| Equity capital to assets | 12.6373% | 1,070 |
| Core capital (leverage) ratio | 11.7587% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0508% | 134 |
| Memoranda: | ||
| Average total assets | $175,943,667 | 3,279 |
| Average earning assets | $171,534,000 | 3,204 |
| Average equity | $22,723,333 | 3,037 |
| Average total loans | $42,119,000 | 4,227 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4524% | 4,684 |
| Cost of funding earning assets | 0.3497% | 2,520 |
| Net interest margin | 2.1028% | 4,677 |
| Noninterest income to average assets | 0.2674% | 3,797 |
| Noninterest expense to average assets | 1.8240% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4914% | 4,190 |
| Return on assets (ROA) | 0.4914% | 4,230 |
| Pretax return on assets | 0.4914% | 4,366 |
| Return on Equity (ROE) | 3.7638% | 4,330 |
| Retained earnings to average equity (ytd only) | 0.3326% | 4,325 |
| Net charge-offs to loans | -0.0954% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7759% | 912 |
| Assets per employee ($millions) | 6.8265% | 1,910 |
| Cash dividends to net income (ytd only)* | 91.1628% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7868% | 188 |
| Loan loss allowance to noncurrent loans | 1,141.5842% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,973 |
| Noncurrent loans to loans | 0.2441% | 3,223 |
| Net loans and leases to total assets | 22.6613% | 4,827 |
| Net loans and leases to deposits | 25.9733% | 4,838 |
| Net loans and leases to core deposits | 29.9451% | 4,813 |
| Total domestic deposits to total assets | 87.2482% | 2,204 |
| Equity capital to assets | 12.6116% | 1,032 |
| Core capital (leverage) ratio | 11.9134% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2070% | 167 |
| Memoranda: | ||
| Average total assets | $175,004,000 | 3,286 |
| Average earning assets | $170,442,500 | 3,210 |
| Average equity | $22,849,000 | 3,008 |
| Average total loans | $41,931,000 | 4,263 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9387% | 4,681 |
| Cost of funding earning assets | 0.5621% | 2,549 |
| Net interest margin | 2.3767% | 4,671 |
| Noninterest income to average assets | 0.3183% | 3,559 |
| Noninterest expense to average assets | 1.9096% | 4,307 |
| Loan and lease loss provision to assets | 0.1205% | 2,859 |
| Net operating income to assets | 0.5982% | 3,761 |
| Return on assets (ROA) | 0.6217% | 3,798 |
| Pretax return on assets | 0.6217% | 4,035 |
| Return on Equity (ROE) | 4.4252% | 4,052 |
| Retained earnings to average equity (ytd only) | 1.4120% | 4,062 |
| Net charge-offs to loans | 0.0446% | 2,174 |
| Credit loss provision to net charge-offs | 1,026.3158% | 767 |
| Earnings coverage of net charge-offs (x) | 61.2105% | 1,058 |
| Efficiency ratio | 72.6546% | 1,610 |
| Assets per employee ($millions) | 6.9008% | 1,642 |
| Cash dividends to net income (ytd only)* | 68.0915% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6925% | 207 |
| Loan loss allowance to noncurrent loans | 1,707.4627% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,059 |
| Noncurrent loans to loans | 0.1577% | 3,652 |
| Net loans and leases to total assets | 23.9648% | 4,853 |
| Net loans and leases to deposits | 27.7639% | 4,861 |
| Net loans and leases to core deposits | 32.1481% | 4,829 |
| Total domestic deposits to total assets | 86.3164% | 2,227 |
| Equity capital to assets | 13.5138% | 925 |
| Core capital (leverage) ratio | 12.2032% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7320% | 125 |
| Memoranda: | ||
| Average total assets | $161,815,200 | 3,274 |
| Average earning assets | $157,278,400 | 3,194 |
| Average equity | $22,733,200 | 2,960 |
| Average total loans | $42,621,000 | 4,262 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 4,685 |
| Cost of funding earning assets | 0.5932% | 2,659 |
| Net interest margin | 2.4823% | 4,666 |
| Noninterest income to average assets | 0.3108% | 3,627 |
| Noninterest expense to average assets | 1.9446% | 4,260 |
| Loan and lease loss provision to assets | 0.1577% | 2,433 |
| Net operating income to assets | 0.6208% | 3,713 |
| Return on assets (ROA) | 0.6527% | 3,722 |
| Pretax return on assets | 0.6527% | 4,002 |
| Return on Equity (ROE) | 4.5982% | 4,003 |
| Retained earnings to average equity (ytd only) | 1.1805% | 4,191 |
| Net charge-offs to loans | -0.0219% | 4,447 |
| Credit loss provision to net charge-offs | -2,685.7143% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4154% | 1,707 |
| Assets per employee ($millions) | 6.3582% | 1,946 |
| Cash dividends to net income (ytd only)* | 74.3261% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6608% | 197 |
| Loan loss allowance to noncurrent loans | 342.0588% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,326 |
| Noncurrent loans to loans | 0.7779% | 1,871 |
| Net loans and leases to total assets | 25.7359% | 4,883 |
| Net loans and leases to deposits | 30.0067% | 4,894 |
| Net loans and leases to core deposits | 34.7502% | 4,861 |
| Total domestic deposits to total assets | 85.7671% | 2,159 |
| Equity capital to assets | 14.0557% | 842 |
| Core capital (leverage) ratio | 12.4479% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2708% | 144 |
| Memoranda: | ||
| Average total assets | $159,139,000 | 3,279 |
| Average earning assets | $154,635,000 | 3,196 |
| Average equity | $22,588,000 | 2,971 |
| Average total loans | $42,654,250 | 4,286 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3141% | 4,632 |
| Cost of funding earning assets | 0.6584% | 2,637 |
| Net interest margin | 2.6558% | 4,605 |
| Noninterest income to average assets | 0.3107% | 3,600 |
| Noninterest expense to average assets | 1.9404% | 4,347 |
| Loan and lease loss provision to assets | 0.2012% | 2,040 |
| Net operating income to assets | 0.7474% | 3,219 |
| Return on assets (ROA) | 0.7779% | 3,236 |
| Pretax return on assets | 0.7779% | 3,654 |
| Return on Equity (ROE) | 5.4622% | 3,689 |
| Retained earnings to average equity (ytd only) | 2.1724% | 3,688 |
| Net charge-offs to loans | -0.0284% | 4,519 |
| Credit loss provision to net charge-offs | -2,633.3333% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1662% | 2,357 |
| Assets per employee ($millions) | 6.3858% | 1,871 |
| Cash dividends to net income (ytd only)* | 60.2291% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5023% | 219 |
| Loan loss allowance to noncurrent loans | 300.7979% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 3,420 |
| Noncurrent loans to loans | 0.8319% | 1,830 |
| Net loans and leases to total assets | 26.5422% | 4,905 |
| Net loans and leases to deposits | 30.9210% | 4,920 |
| Net loans and leases to core deposits | 35.7579% | 4,883 |
| Total domestic deposits to total assets | 85.8387% | 2,084 |
| Equity capital to assets | 13.9848% | 858 |
| Core capital (leverage) ratio | 12.7609% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8030% | 147 |
| Memoranda: | ||
| Average total assets | $157,080,667 | 3,280 |
| Average earning assets | $152,498,667 | 3,200 |
| Average equity | $22,372,000 | 2,974 |
| Average total loans | $42,303,000 | 4,307 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 4,836 |
| Cost of funding earning assets | 0.7243% | 2,809 |
| Net interest margin | 2.5351% | 4,802 |
| Noninterest income to average assets | 0.3355% | 3,513 |
| Noninterest expense to average assets | 2.1257% | 4,163 |
| Loan and lease loss provision to assets | 0.0210% | 3,539 |
| Net operating income to assets | 0.6474% | 3,454 |
| Return on assets (ROA) | 0.6736% | 3,422 |
| Pretax return on assets | 0.6736% | 3,763 |
| Return on Equity (ROE) | 4.6837% | 3,753 |
| Retained earnings to average equity (ytd only) | 0.8019% | 3,789 |
| Net charge-offs to loans | -0.0196% | 4,331 |
| Credit loss provision to net charge-offs | -400.0000% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0788% | 1,556 |
| Assets per employee ($millions) | 5.8094% | 1,831 |
| Cash dividends to net income (ytd only)* | 82.8794% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3892% | 290 |
| Loan loss allowance to noncurrent loans | 246.7172% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 3,408 |
| Noncurrent loans to loans | 0.9684% | 1,696 |
| Net loans and leases to total assets | 26.4259% | 4,953 |
| Net loans and leases to deposits | 31.0944% | 4,960 |
| Net loans and leases to core deposits | 36.9081% | 4,917 |
| Total domestic deposits to total assets | 84.9859% | 2,416 |
| Equity capital to assets | 14.8181% | 797 |
| Core capital (leverage) ratio | 13.3525% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3064% | 163 |
| Memoranda: | ||
| Average total assets | $152,606,000 | 3,295 |
| Average earning assets | $148,003,000 | 3,209 |
| Average equity | $21,948,500 | 2,997 |
| Average total loans | $40,855,000 | 4,357 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 4,933 |
| Cost of funding earning assets | 0.8225% | 2,576 |
| Net interest margin | 2.5390% | 4,950 |
| Noninterest income to average assets | 0.3464% | 3,634 |
| Noninterest expense to average assets | 2.0702% | 4,406 |
| Loan and lease loss provision to assets | 0.0507% | 3,010 |
| Net operating income to assets | 0.6772% | 3,932 |
| Return on assets (ROA) | 0.6745% | 4,008 |
| Pretax return on assets | 0.6745% | 4,266 |
| Return on Equity (ROE) | 4.7239% | 4,292 |
| Retained earnings to average equity (ytd only) | 1.6583% | 4,142 |
| Net charge-offs to loans | 0.1283% | 1,489 |
| Credit loss provision to net charge-offs | 141.5094% | 1,829 |
| Earnings coverage of net charge-offs (x) | 20.3019% | 1,944 |
| Efficiency ratio | 73.7911% | 1,631 |
| Assets per employee ($millions) | 6.1667% | 1,509 |
| Cash dividends to net income (ytd only)* | 64.8947% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3715% | 255 |
| Loan loss allowance to noncurrent loans | 256.7639% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 3,466 |
| Noncurrent loans to loans | 0.9236% | 1,662 |
| Net loans and leases to total assets | 25.8486% | 5,022 |
| Net loans and leases to deposits | 30.1171% | 5,034 |
| Net loans and leases to core deposits | 36.7925% | 4,985 |
| Total domestic deposits to total assets | 85.8271% | 2,130 |
| Equity capital to assets | 13.9556% | 1,112 |
| Core capital (leverage) ratio | 13.4322% | 1,074 |
| Tier 1 risk-based capital ratio | 37.2167% | 285 |
| Total risk-based capital ratio | 38.4725% | 279 |
| Memoranda: | ||
| Average total assets | $147,814,000 | 3,327 |
| Average earning assets | $142,734,800 | 3,247 |
| Average equity | $21,105,400 | 3,029 |
| Average total loans | $41,306,800 | 4,382 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3930% | 5,028 |
| Cost of funding earning assets | 0.8386% | 2,517 |
| Net interest margin | 2.5544% | 5,029 |
| Noninterest income to average assets | 0.3392% | 3,699 |
| Noninterest expense to average assets | 2.0671% | 4,420 |
| Loan and lease loss provision to assets | 0.0620% | 2,659 |
| Net operating income to assets | 0.6738% | 4,093 |
| Return on assets (ROA) | 0.6711% | 4,164 |
| Pretax return on assets | 0.6711% | 4,409 |
| Return on Equity (ROE) | 4.6722% | 4,434 |
| Retained earnings to average equity (ytd only) | 1.3331% | 4,481 |
| Net charge-offs to loans | 0.0258% | 2,581 |
| Credit loss provision to net charge-offs | 850.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 100.8407% | 749 |
| Efficiency ratio | 73.5524% | 1,634 |
| Assets per employee ($millions) | 5.5135% | 2,020 |
| Cash dividends to net income (ytd only)* | 71.4677% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5392% | 209 |
| Loan loss allowance to noncurrent loans | 229.4521% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 3,370 |
| Noncurrent loans to loans | 1.1066% | 1,434 |
| Net loans and leases to total assets | 25.9121% | 5,111 |
| Net loans and leases to deposits | 30.3756% | 5,123 |
| Net loans and leases to core deposits | 36.4914% | 5,075 |
| Total domestic deposits to total assets | 85.3055% | 2,291 |
| Equity capital to assets | 14.4540% | 995 |
| Core capital (leverage) ratio | 13.7320% | 1,067 |
| Tier 1 risk-based capital ratio | 38.3461% | 272 |
| Total risk-based capital ratio | 39.6022% | 268 |
| Memoranda: | ||
| Average total assets | $146,225,750 | 3,381 |
| Average earning assets | $141,033,250 | 3,296 |
| Average equity | $21,003,000 | 3,062 |
| Average total loans | $41,429,000 | 4,432 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 5,083 |
| Cost of funding earning assets | 0.8253% | 2,521 |
| Net interest margin | 2.5701% | 5,092 |
| Noninterest income to average assets | 0.3385% | 3,668 |
| Noninterest expense to average assets | 2.0076% | 4,591 |
| Loan and lease loss provision to assets | 0.0619% | 2,582 |
| Net operating income to assets | 0.7458% | 3,850 |
| Return on assets (ROA) | 0.7417% | 3,921 |
| Pretax return on assets | 0.7417% | 4,233 |
| Return on Equity (ROE) | 5.1748% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.8049% | 4,173 |
| Net charge-offs to loans | 0.0428% | 2,045 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 65.2222% | 941 |
| Efficiency ratio | 71.1144% | 2,054 |
| Assets per employee ($millions) | 5.7506% | 1,740 |
| Cash dividends to net income (ytd only)* | 65.1206% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3503% | 274 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 3,379 |
| Noncurrent loans to loans | 1.0446% | 1,568 |
| Net loans and leases to total assets | 27.2608% | 5,138 |
| Net loans and leases to deposits | 31.9208% | 5,149 |
| Net loans and leases to core deposits | 38.2667% | 5,105 |
| Total domestic deposits to total assets | 85.4015% | 2,306 |
| Equity capital to assets | 14.3818% | 990 |
| Core capital (leverage) ratio | 13.7357% | 1,042 |
| Tier 1 risk-based capital ratio | 37.8030% | 276 |
| Total risk-based capital ratio | 39.0594% | 273 |
| Memoranda: | ||
| Average total assets | $145,346,000 | 3,411 |
| Average earning assets | $140,070,330 | 3,328 |
| Average equity | $20,831,670 | 3,069 |
| Average total loans | $42,045,670 | 4,442 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 5,128 |
| Cost of funding earning assets | 0.8021% | 2,527 |
| Net interest margin | 2.5773% | 5,152 |
| Noninterest income to average assets | 0.3546% | 3,484 |
| Noninterest expense to average assets | 2.0773% | 4,500 |
| Loan and lease loss provision to assets | 0.0614% | 2,427 |
| Net operating income to assets | 0.7008% | 3,930 |
| Return on assets (ROA) | 0.6924% | 4,004 |
| Pretax return on assets | 0.6924% | 4,317 |
| Return on Equity (ROE) | 4.8400% | 4,368 |
| Retained earnings to average equity (ytd only) | 0.8782% | 4,345 |
| Net charge-offs to loans | 0.1137% | 1,053 |
| Credit loss provision to net charge-offs | 183.3333% | 1,104 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,485 |
| Efficiency ratio | 72.9597% | 1,889 |
| Assets per employee ($millions) | 5.5720% | 1,915 |
| Cash dividends to net income (ytd only)* | 81.8548% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 330 |
| Loan loss allowance to noncurrent loans | 219.5402% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 3,406 |
| Noncurrent loans to loans | 1.0260% | 1,630 |
| Net loans and leases to total assets | 28.6071% | 5,170 |
| Net loans and leases to deposits | 33.4896% | 5,177 |
| Net loans and leases to core deposits | 40.2752% | 5,105 |
| Total domestic deposits to total assets | 85.4210% | 2,517 |
| Equity capital to assets | 14.3781% | 914 |
| Core capital (leverage) ratio | 13.9791% | 962 |
| Tier 1 risk-based capital ratio | 36.9759% | 277 |
| Total risk-based capital ratio | 38.2317% | 273 |
| Memoranda: | ||
| Average total assets | $143,261,500 | 3,480 |
| Average earning assets | $138,130,500 | 3,393 |
| Average equity | $20,496,000 | 3,113 |
| Average total loans | $42,198,500 | 4,488 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 5,146 |
| Cost of funding earning assets | 0.5495% | 3,050 |
| Net interest margin | 2.6596% | 5,122 |
| Noninterest income to average assets | 0.3784% | 3,563 |
| Noninterest expense to average assets | 2.1570% | 4,436 |
| Loan and lease loss provision to assets | 0.0540% | 3,096 |
| Net operating income to assets | 0.7511% | 3,966 |
| Return on assets (ROA) | 0.7511% | 3,969 |
| Pretax return on assets | 0.7511% | 4,288 |
| Return on Equity (ROE) | 5.2821% | 4,390 |
| Retained earnings to average equity (ytd only) | 1.9024% | 4,387 |
| Net charge-offs to loans | 0.1351% | 1,406 |
| Credit loss provision to net charge-offs | 136.3636% | 1,962 |
| Earnings coverage of net charge-offs (x) | 20.3455% | 2,007 |
| Efficiency ratio | 72.6257% | 1,828 |
| Assets per employee ($millions) | 5.4481% | 2,008 |
| Cash dividends to net income (ytd only)* | 63.9847% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2501% | 301 |
| Loan loss allowance to noncurrent loans | 210.9375% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,287 |
| Noncurrent loans to loans | 1.0667% | 1,530 |
| Net loans and leases to total assets | 28.9820% | 5,219 |
| Net loans and leases to deposits | 33.8808% | 5,227 |
| Net loans and leases to core deposits | 40.5406% | 5,154 |
| Total domestic deposits to total assets | 85.5411% | 2,423 |
| Equity capital to assets | 14.2337% | 905 |
| Core capital (leverage) ratio | 14.0861% | 902 |
| Tier 1 risk-based capital ratio | 37.4348% | 269 |
| Total risk-based capital ratio | 38.6906% | 266 |
| Memoranda: | ||
| Average total assets | $138,988,200 | 3,522 |
| Average earning assets | $135,022,600 | 3,426 |
| Average equity | $19,765,000 | 3,105 |
| Average total loans | $40,710,000 | 4,530 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1703% | 5,213 |
| Cost of funding earning assets | 0.5006% | 3,195 |
| Net interest margin | 2.6697% | 5,186 |
| Noninterest income to average assets | 0.3750% | 3,632 |
| Noninterest expense to average assets | 2.1389% | 4,458 |
| Loan and lease loss provision to assets | 0.0511% | 2,964 |
| Net operating income to assets | 0.7808% | 3,968 |
| Return on assets (ROA) | 0.7808% | 3,979 |
| Pretax return on assets | 0.7808% | 4,342 |
| Return on Equity (ROE) | 5.4916% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.8373% | 4,626 |
| Net charge-offs to loans | 0.1387% | 1,174 |
| Credit loss provision to net charge-offs | 126.1905% | 1,934 |
| Earnings coverage of net charge-offs (x) | 20.5471% | 1,955 |
| Efficiency ratio | 71.8040% | 1,916 |
| Assets per employee ($millions) | 5.2162% | 2,208 |
| Cash dividends to net income (ytd only)* | 66.5435% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 311 |
| Loan loss allowance to noncurrent loans | 193.7888% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 3,253 |
| Noncurrent loans to loans | 1.1826% | 1,431 |
| Net loans and leases to total assets | 29.4254% | 5,287 |
| Net loans and leases to deposits | 34.4358% | 5,295 |
| Net loans and leases to core deposits | 40.5262% | 5,233 |
| Total domestic deposits to total assets | 85.4499% | 2,428 |
| Equity capital to assets | 14.3407% | 869 |
| Core capital (leverage) ratio | 14.5328% | 813 |
| Tier 1 risk-based capital ratio | 39.0481% | 246 |
| Total risk-based capital ratio | 40.3032% | 244 |
| Memoranda: | ||
| Average total assets | $138,322,750 | 3,564 |
| Average earning assets | $134,495,750 | 3,467 |
| Average equity | $19,665,750 | 3,139 |
| Average total loans | $40,388,000 | 4,584 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1314% | 5,277 |
| Cost of funding earning assets | 0.4545% | 3,323 |
| Net interest margin | 2.6769% | 5,232 |
| Noninterest income to average assets | 0.3678% | 3,699 |
| Noninterest expense to average assets | 2.0744% | 4,669 |
| Loan and lease loss provision to assets | 0.0431% | 3,037 |
| Net operating income to assets | 0.8562% | 3,646 |
| Return on assets (ROA) | 0.8562% | 3,645 |
| Pretax return on assets | 0.8562% | 4,091 |
| Return on Equity (ROE) | 6.0391% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.4015% | 4,306 |
| Net charge-offs to loans | 0.2088% | 758 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 14.9048% | 2,072 |
| Efficiency ratio | 69.5652% | 2,384 |
| Assets per employee ($millions) | 5.2521% | 2,149 |
| Cash dividends to net income (ytd only)* | 60.2349% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 355 |
| Loan loss allowance to noncurrent loans | 200.2193% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 3,420 |
| Noncurrent loans to loans | 1.1127% | 1,579 |
| Net loans and leases to total assets | 29.3422% | 5,343 |
| Net loans and leases to deposits | 34.3451% | 5,345 |
| Net loans and leases to core deposits | 40.2463% | 5,274 |
| Total domestic deposits to total assets | 85.4336% | 2,520 |
| Equity capital to assets | 14.3716% | 841 |
| Core capital (leverage) ratio | 14.3261% | 821 |
| Tier 1 risk-based capital ratio | 39.1720% | 241 |
| Total risk-based capital ratio | 40.4276% | 239 |
| Memoranda: | ||
| Average total assets | $139,223,330 | 3,580 |
| Average earning assets | $135,529,670 | 3,477 |
| Average equity | $19,738,000 | 3,153 |
| Average total loans | $40,236,330 | 4,634 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0242% | 5,359 |
| Cost of funding earning assets | 0.4124% | 3,500 |
| Net interest margin | 2.6118% | 5,318 |
| Noninterest income to average assets | 0.3956% | 3,501 |
| Noninterest expense to average assets | 2.0518% | 4,753 |
| Loan and lease loss provision to assets | 0.0427% | 2,905 |
| Net operating income to assets | 0.8424% | 3,538 |
| Return on assets (ROA) | 0.8424% | 3,554 |
| Pretax return on assets | 0.8424% | 4,047 |
| Return on Equity (ROE) | 5.9815% | 4,160 |
| Retained earnings to average equity (ytd only) | 2.3239% | 4,236 |
| Net charge-offs to loans | 0.1806% | 811 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 17.2778% | 1,591 |
| Efficiency ratio | 69.6705% | 2,533 |
| Assets per employee ($millions) | 5.3480% | 2,093 |
| Cash dividends to net income (ytd only)* | 61.1486% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 372 |
| Loan loss allowance to noncurrent loans | 186.2626% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 3,417 |
| Noncurrent loans to loans | 1.1961% | 1,524 |
| Net loans and leases to total assets | 29.0993% | 5,388 |
| Net loans and leases to deposits | 33.9207% | 5,396 |
| Net loans and leases to core deposits | 40.1234% | 5,305 |
| Total domestic deposits to total assets | 85.7862% | 2,640 |
| Equity capital to assets | 14.0477% | 881 |
| Core capital (leverage) ratio | 14.1217% | 847 |
| Tier 1 risk-based capital ratio | 38.5984% | 249 |
| Total risk-based capital ratio | 39.8547% | 246 |
| Memoranda: | ||
| Average total assets | $140,558,000 | 3,593 |
| Average earning assets | $136,763,500 | 3,494 |
| Average equity | $19,794,500 | 3,178 |
| Average total loans | $39,864,000 | 4,693 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8310% | 5,447 |
| Cost of funding earning assets | 0.3139% | 4,010 |
| Net interest margin | 2.5171% | 5,399 |
| Noninterest income to average assets | 0.3351% | 4,066 |
| Noninterest expense to average assets | 2.0716% | 4,831 |
| Loan and lease loss provision to assets | 0.0524% | 3,181 |
| Net operating income to assets | 0.6633% | 3,763 |
| Return on assets (ROA) | 0.6898% | 3,696 |
| Pretax return on assets | 0.6898% | 4,532 |
| Return on Equity (ROE) | 4.8663% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.6894% | 4,289 |
| Net charge-offs to loans | 0.0761% | 2,362 |
| Credit loss provision to net charge-offs | 258.6207% | 1,075 |
| Earnings coverage of net charge-offs (x) | 35.3448% | 1,364 |
| Efficiency ratio | 74.1232% | 1,876 |
| Assets per employee ($millions) | 5.4642% | 1,976 |
| Cash dividends to net income (ytd only)* | 65.2834% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4124% | 275 |
| Loan loss allowance to noncurrent loans | 170.0368% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 3,331 |
| Noncurrent loans to loans | 1.4187% | 1,210 |
| Net loans and leases to total assets | 26.3388% | 5,496 |
| Net loans and leases to deposits | 30.7368% | 5,505 |
| Net loans and leases to core deposits | 36.2082% | 5,456 |
| Total domestic deposits to total assets | 85.6914% | 2,580 |
| Equity capital to assets | 14.1172% | 874 |
| Core capital (leverage) ratio | 13.8751% | 864 |
| Tier 1 risk-based capital ratio | 40.0454% | 213 |
| Total risk-based capital ratio | 41.3021% | 212 |
| Memoranda: | ||
| Average total assets | $143,222,400 | 3,564 |
| Average earning assets | $139,526,800 | 3,459 |
| Average equity | $20,303,000 | 3,111 |
| Average total loans | $38,105,400 | 4,787 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8054% | 5,516 |
| Cost of funding earning assets | 0.2955% | 4,172 |
| Net interest margin | 2.5099% | 5,463 |
| Noninterest income to average assets | 0.3363% | 4,125 |
| Noninterest expense to average assets | 2.0504% | 4,846 |
| Loan and lease loss provision to assets | 0.0483% | 3,129 |
| Net operating income to assets | 0.6838% | 4,057 |
| Return on assets (ROA) | 0.7126% | 3,974 |
| Pretax return on assets | 0.7126% | 4,576 |
| Return on Equity (ROE) | 5.0216% | 4,522 |
| Retained earnings to average equity (ytd only) | 1.5255% | 4,809 |
| Net charge-offs to loans | 0.0911% | 1,883 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 30.3040% | 1,541 |
| Efficiency ratio | 73.4891% | 1,973 |
| Assets per employee ($millions) | 5.5901% | 1,837 |
| Cash dividends to net income (ytd only)* | 69.6218% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4306% | 289 |
| Loan loss allowance to noncurrent loans | 144.3381% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,239 |
| Noncurrent loans to loans | 1.6840% | 1,078 |
| Net loans and leases to total assets | 25.9944% | 5,569 |
| Net loans and leases to deposits | 30.5449% | 5,578 |
| Net loans and leases to core deposits | 35.7281% | 5,529 |
| Total domestic deposits to total assets | 85.1023% | 2,676 |
| Equity capital to assets | 14.7503% | 798 |
| Core capital (leverage) ratio | 13.8833% | 921 |
| Tier 1 risk-based capital ratio | 40.7682% | 210 |
| Total risk-based capital ratio | 42.0238% | 205 |
| Memoranda: | ||
| Average total assets | $143,511,000 | 3,592 |
| Average earning assets | $139,868,250 | 3,482 |
| Average equity | $20,364,750 | 3,124 |
| Average total loans | $38,045,750 | 4,840 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8191% | 5,551 |
| Cost of funding earning assets | 0.2765% | 4,320 |
| Net interest margin | 2.5426% | 5,474 |
| Noninterest income to average assets | 0.3371% | 4,137 |
| Noninterest expense to average assets | 1.9839% | 5,005 |
| Loan and lease loss provision to assets | 0.0414% | 3,173 |
| Net operating income to assets | 0.7889% | 3,447 |
| Return on assets (ROA) | 0.8276% | 3,312 |
| Pretax return on assets | 0.8276% | 4,172 |
| Return on Equity (ROE) | 5.9068% | 4,088 |
| Retained earnings to average equity (ytd only) | 2.6231% | 4,129 |
| Net charge-offs to loans | -0.0261% | 4,894 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2995% | 2,623 |
| Assets per employee ($millions) | 5.1193% | 2,249 |
| Cash dividends to net income (ytd only)* | 55.5927% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4266% | 309 |
| Loan loss allowance to noncurrent loans | 182.4351% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 3,725 |
| Noncurrent loans to loans | 1.3301% | 1,451 |
| Net loans and leases to total assets | 25.6399% | 5,616 |
| Net loans and leases to deposits | 30.0239% | 5,629 |
| Net loans and leases to core deposits | 35.4581% | 5,576 |
| Total domestic deposits to total assets | 85.3983% | 2,648 |
| Equity capital to assets | 14.4706% | 833 |
| Core capital (leverage) ratio | 13.6156% | 964 |
| Tier 1 risk-based capital ratio | 39.7655% | 213 |
| Total risk-based capital ratio | 41.0224% | 209 |
| Memoranda: | ||
| Average total assets | $144,763,670 | 3,585 |
| Average earning assets | $141,038,670 | 3,479 |
| Average equity | $20,281,670 | 3,129 |
| Average total loans | $38,316,670 | 4,864 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7537% | 5,620 |
| Cost of funding earning assets | 0.2652% | 4,405 |
| Net interest margin | 2.4885% | 5,557 |
| Noninterest income to average assets | 0.3492% | 4,050 |
| Noninterest expense to average assets | 2.0127% | 5,029 |
| Loan and lease loss provision to assets | 0.0412% | 2,981 |
| Net operating income to assets | 0.7204% | 3,615 |
| Return on assets (ROA) | 0.7259% | 3,637 |
| Pretax return on assets | 0.7259% | 4,365 |
| Return on Equity (ROE) | 5.2664% | 4,271 |
| Retained earnings to average equity (ytd only) | 1.7954% | 4,399 |
| Net charge-offs to loans | -0.0311% | 4,948 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3489% | 2,512 |
| Assets per employee ($millions) | 5.3449% | 2,028 |
| Cash dividends to net income (ytd only)* | 65.9091% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 413 |
| Loan loss allowance to noncurrent loans | 171.8391% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 3,753 |
| Noncurrent loans to loans | 1.3364% | 1,515 |
| Net loans and leases to total assets | 26.4448% | 5,664 |
| Net loans and leases to deposits | 30.8039% | 5,670 |
| Net loans and leases to core deposits | 36.9983% | 5,599 |
| Total domestic deposits to total assets | 85.8487% | 2,740 |
| Equity capital to assets | 14.0314% | 892 |
| Core capital (leverage) ratio | 13.5517% | 962 |
| Tier 1 risk-based capital ratio | 38.4351% | 246 |
| Total risk-based capital ratio | 39.6903% | 242 |
| Memoranda: | ||
| Average total assets | $145,476,000 | 3,609 |
| Average earning assets | $141,771,500 | 3,501 |
| Average equity | $20,051,500 | 3,167 |
| Average total loans | $38,642,000 | 4,900 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7038% | 5,690 |
| Cost of funding earning assets | 0.2308% | 4,731 |
| Net interest margin | 2.4730% | 5,599 |
| Noninterest income to average assets | 0.3400% | 4,309 |
| Noninterest expense to average assets | 1.9980% | 5,193 |
| Loan and lease loss provision to assets | 0.0835% | 2,688 |
| Net operating income to assets | 0.6707% | 3,910 |
| Return on assets (ROA) | 0.7101% | 3,856 |
| Pretax return on assets | 0.7101% | 4,457 |
| Return on Equity (ROE) | 5.1313% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.6799% | 4,575 |
| Net charge-offs to loans | 0.0727% | 2,660 |
| Credit loss provision to net charge-offs | 462.9630% | 699 |
| Earnings coverage of net charge-offs (x) | 41.8148% | 1,144 |
| Efficiency ratio | 72.4029% | 2,525 |
| Assets per employee ($millions) | 5.6400% | 1,752 |
| Cash dividends to net income (ytd only)* | 67.2625% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 402 |
| Loan loss allowance to noncurrent loans | 559.8726% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,887 |
| Noncurrent loans to loans | 0.4107% | 3,675 |
| Net loans and leases to total assets | 25.4671% | 5,740 |
| Net loans and leases to deposits | 29.5063% | 5,741 |
| Net loans and leases to core deposits | 35.5396% | 5,684 |
| Total domestic deposits to total assets | 86.3107% | 2,454 |
| Equity capital to assets | 13.5393% | 1,028 |
| Core capital (leverage) ratio | 13.0883% | 1,105 |
| Tier 1 risk-based capital ratio | 38.7853% | 241 |
| Total risk-based capital ratio | 40.0396% | 237 |
| Memoranda: | ||
| Average total assets | $149,697,000 | 3,526 |
| Average earning assets | $146,016,800 | 3,421 |
| Average equity | $20,716,000 | 3,095 |
| Average total loans | $37,143,800 | 4,977 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7162% | 5,756 |
| Cost of funding earning assets | 0.2271% | 4,814 |
| Net interest margin | 2.4891% | 5,662 |
| Noninterest income to average assets | 0.3305% | 4,423 |
| Noninterest expense to average assets | 1.9344% | 5,326 |
| Loan and lease loss provision to assets | 0.0975% | 2,277 |
| Net operating income to assets | 0.7266% | 3,714 |
| Return on assets (ROA) | 0.7789% | 3,606 |
| Pretax return on assets | 0.7789% | 4,378 |
| Return on Equity (ROE) | 5.5991% | 4,271 |
| Retained earnings to average equity (ytd only) | 1.9619% | 4,707 |
| Net charge-offs to loans | 0.0976% | 1,969 |
| Credit loss provision to net charge-offs | 407.4074% | 829 |
| Earnings coverage of net charge-offs (x) | 34.4436% | 1,360 |
| Efficiency ratio | 69.9325% | 2,895 |
| Assets per employee ($millions) | 5.4030% | 1,946 |
| Cash dividends to net income (ytd only)* | 64.9599% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3520% | 407 |
| Loan loss allowance to noncurrent loans | 649.6241% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 4,914 |
| Noncurrent loans to loans | 0.3621% | 3,958 |
| Net loans and leases to total assets | 24.5891% | 5,818 |
| Net loans and leases to deposits | 28.8081% | 5,827 |
| Net loans and leases to core deposits | 34.6536% | 5,768 |
| Total domestic deposits to total assets | 85.3546% | 2,659 |
| Equity capital to assets | 14.5391% | 862 |
| Core capital (leverage) ratio | 13.0505% | 1,171 |
| Tier 1 risk-based capital ratio | 40.1769% | 219 |
| Total risk-based capital ratio | 41.4318% | 216 |
| Memoranda: | ||
| Average total assets | $150,461,250 | 3,530 |
| Average earning assets | $146,769,000 | 3,423 |
| Average equity | $20,931,500 | 3,097 |
| Average total loans | $36,873,750 | 5,031 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7276% | 5,830 |
| Cost of funding earning assets | 0.2198% | 4,941 |
| Net interest margin | 2.5078% | 5,737 |
| Noninterest income to average assets | 0.3369% | 4,374 |
| Noninterest expense to average assets | 1.8673% | 5,508 |
| Loan and lease loss provision to assets | 0.1250% | 1,827 |
| Net operating income to assets | 0.7922% | 3,347 |
| Return on assets (ROA) | 0.8422% | 3,255 |
| Pretax return on assets | 0.8422% | 4,150 |
| Return on Equity (ROE) | 6.1424% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.5721% | 4,253 |
| Net charge-offs to loans | 0.1571% | 1,391 |
| Credit loss provision to net charge-offs | 327.5862% | 903 |
| Earnings coverage of net charge-offs (x) | 24.0345% | 1,565 |
| Efficiency ratio | 66.8715% | 3,557 |
| Assets per employee ($millions) | 5.7319% | 1,600 |
| Cash dividends to net income (ytd only)* | 58.1250% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 473 |
| Loan loss allowance to noncurrent loans | 519.6319% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 5,075 |
| Noncurrent loans to loans | 0.4419% | 3,784 |
| Net loans and leases to total assets | 24.1804% | 5,891 |
| Net loans and leases to deposits | 28.2806% | 5,902 |
| Net loans and leases to core deposits | 34.2704% | 5,843 |
| Total domestic deposits to total assets | 85.5016% | 2,642 |
| Equity capital to assets | 14.3937% | 904 |
| Core capital (leverage) ratio | 12.7411% | 1,259 |
| Tier 1 risk-based capital ratio | 39.0499% | 244 |
| Total risk-based capital ratio | 40.3042% | 243 |
| Memoranda: | ||
| Average total assets | $151,987,670 | 3,531 |
| Average earning assets | $148,336,670 | 3,429 |
| Average equity | $20,838,670 | 3,112 |
| Average total loans | $36,920,000 | 5,076 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7358% | 5,889 |
| Cost of funding earning assets | 0.2162% | 5,041 |
| Net interest margin | 2.5196% | 5,789 |
| Noninterest income to average assets | 0.3440% | 4,269 |
| Noninterest expense to average assets | 1.8923% | 5,533 |
| Loan and lease loss provision to assets | 0.2085% | 934 |
| Net operating income to assets | 0.7037% | 3,692 |
| Return on assets (ROA) | 0.8028% | 3,349 |
| Pretax return on assets | 0.8028% | 4,184 |
| Return on Equity (ROE) | 6.0002% | 3,987 |
| Retained earnings to average equity (ytd only) | 2.3572% | 4,309 |
| Net charge-offs to loans | 0.0325% | 2,307 |
| Credit loss provision to net charge-offs | 2,666.6667% | 158 |
| Earnings coverage of net charge-offs (x) | 116.6667% | 485 |
| Efficiency ratio | 67.2862% | 3,583 |
| Assets per employee ($millions) | 5.8495% | 1,532 |
| Cash dividends to net income (ytd only)* | 60.7143% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3439% | 479 |
| Loan loss allowance to noncurrent loans | 479.3296% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 5,112 |
| Noncurrent loans to loans | 0.4890% | 3,716 |
| Net loans and leases to total assets | 23.5048% | 5,951 |
| Net loans and leases to deposits | 27.2488% | 5,960 |
| Net loans and leases to core deposits | 32.7837% | 5,909 |
| Total domestic deposits to total assets | 86.2599% | 2,562 |
| Equity capital to assets | 13.6349% | 1,121 |
| Core capital (leverage) ratio | 12.2723% | 1,447 |
| Tier 1 risk-based capital ratio | 37.9712% | 267 |
| Total risk-based capital ratio | 39.2257% | 266 |
| Memoranda: | ||
| Average total assets | $153,466,500 | 3,525 |
| Average earning assets | $149,865,000 | 3,423 |
| Average equity | $20,532,500 | 3,147 |
| Average total loans | $36,938,500 | 5,117 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6769% | 5,941 |
| Cost of funding earning assets | 0.2280% | 5,026 |
| Net interest margin | 2.4489% | 5,861 |
| Noninterest income to average assets | 0.3510% | 4,393 |
| Noninterest expense to average assets | 1.9716% | 5,511 |
| Loan and lease loss provision to assets | 0.0098% | 4,207 |
| Net operating income to assets | 0.7540% | 3,554 |
| Return on assets (ROA) | 0.7703% | 3,549 |
| Pretax return on assets | 0.7703% | 4,300 |
| Return on Equity (ROE) | 5.8919% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.3358% | 4,394 |
| Net charge-offs to loans | 0.0309% | 3,601 |
| Credit loss provision to net charge-offs | 136.3636% | 1,919 |
| Earnings coverage of net charge-offs (x) | 106.6364% | 547 |
| Efficiency ratio | 71.8876% | 2,926 |
| Assets per employee ($millions) | 5.5302% | 1,764 |
| Cash dividends to net income (ytd only)* | 60.3550% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0955% | 691 |
| Loan loss allowance to noncurrent loans | 392.4623% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 5,081 |
| Noncurrent loans to loans | 0.5339% | 3,567 |
| Net loans and leases to total assets | 23.5655% | 6,011 |
| Net loans and leases to deposits | 27.1685% | 6,020 |
| Net loans and leases to core deposits | 32.6066% | 5,980 |
| Total domestic deposits to total assets | 86.7384% | 2,255 |
| Equity capital to assets | 13.1280% | 1,288 |
| Core capital (leverage) ratio | 12.0647% | 1,581 |
| Tier 1 risk-based capital ratio | 37.6095% | 266 |
| Total risk-based capital ratio | 38.8615% | 262 |
| Memoranda: | ||
| Average total assets | $153,579,600 | 3,518 |
| Average earning assets | $149,536,200 | 3,413 |
| Average equity | $20,078,400 | 3,161 |
| Average total loans | $35,576,400 | 5,171 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6618% | 6,033 |
| Cost of funding earning assets | 0.2316% | 5,078 |
| Net interest margin | 2.4302% | 5,958 |
| Noninterest income to average assets | 0.3515% | 4,427 |
| Noninterest expense to average assets | 1.8773% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8386% | 3,228 |
| Return on assets (ROA) | 0.8604% | 3,213 |
| Pretax return on assets | 0.8604% | 4,135 |
| Return on Equity (ROE) | 6.5879% | 3,845 |
| Retained earnings to average equity (ytd only) | 3.0108% | 4,301 |
| Net charge-offs to loans | 0.0304% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 120.4592% | 532 |
| Efficiency ratio | 68.9302% | 3,389 |
| Assets per employee ($millions) | 5.6743% | 1,617 |
| Cash dividends to net income (ytd only)* | 54.2973% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 706 |
| Loan loss allowance to noncurrent loans | 615.2000% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 5,428 |
| Noncurrent loans to loans | 0.3517% | 4,354 |
| Net loans and leases to total assets | 22.6956% | 6,107 |
| Net loans and leases to deposits | 26.2579% | 6,126 |
| Net loans and leases to core deposits | 31.6043% | 6,077 |
| Total domestic deposits to total assets | 86.4333% | 2,314 |
| Equity capital to assets | 13.4714% | 1,238 |
| Core capital (leverage) ratio | 12.5872% | 1,364 |
| Tier 1 risk-based capital ratio | 40.0375% | 247 |
| Total risk-based capital ratio | 41.2903% | 247 |
| Memoranda: | ||
| Average total assets | $153,263,250 | 3,549 |
| Average earning assets | $149,119,250 | 3,445 |
| Average equity | $20,016,000 | 3,197 |
| Average total loans | $35,152,750 | 5,244 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6636% | 6,090 |
| Cost of funding earning assets | 0.2356% | 5,094 |
| Net interest margin | 2.4280% | 6,026 |
| Noninterest income to average assets | 0.3497% | 4,457 |
| Noninterest expense to average assets | 1.8450% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8716% | 3,037 |
| Return on assets (ROA) | 0.9042% | 2,977 |
| Pretax return on assets | 0.9042% | 3,943 |
| Return on Equity (ROE) | 6.9971% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.5642% | 3,761 |
| Net charge-offs to loans | -0.0228% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7233% | 3,713 |
| Assets per employee ($millions) | 5.3280% | 1,903 |
| Cash dividends to net income (ytd only)* | 49.0620% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 704 |
| Loan loss allowance to noncurrent loans | 441.2429% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 5,389 |
| Noncurrent loans to loans | 0.5060% | 3,942 |
| Net loans and leases to total assets | 22.9254% | 6,177 |
| Net loans and leases to deposits | 26.4669% | 6,189 |
| Net loans and leases to core deposits | 32.3130% | 6,135 |
| Total domestic deposits to total assets | 86.6192% | 2,359 |
| Equity capital to assets | 13.2849% | 1,263 |
| Core capital (leverage) ratio | 12.3347% | 1,466 |
| Tier 1 risk-based capital ratio | 37.5843% | 300 |
| Total risk-based capital ratio | 38.8372% | 297 |
| Memoranda: | ||
| Average total assets | $153,282,330 | 3,575 |
| Average earning assets | $149,424,000 | 3,462 |
| Average equity | $19,808,330 | 3,233 |
| Average total loans | $35,023,670 | 5,293 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6430% | 6,158 |
| Cost of funding earning assets | 0.2326% | 5,189 |
| Net interest margin | 2.4105% | 6,092 |
| Noninterest income to average assets | 0.3554% | 4,356 |
| Noninterest expense to average assets | 1.7640% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9399% | 2,561 |
| Return on assets (ROA) | 0.9399% | 2,696 |
| Pretax return on assets | 0.9399% | 3,742 |
| Return on Equity (ROE) | 7.3726% | 3,292 |
| Retained earnings to average equity (ytd only) | 4.9285% | 3,093 |
| Net charge-offs to loans | -0.0228% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0476% | 4,310 |
| Assets per employee ($millions) | 5.9502% | 1,427 |
| Cash dividends to net income (ytd only)* | 33.1507% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2415% | 760 |
| Loan loss allowance to noncurrent loans | 370.9524% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 5,082 |
| Noncurrent loans to loans | 0.6043% | 3,762 |
| Net loans and leases to total assets | 21.9605% | 6,248 |
| Net loans and leases to deposits | 25.2563% | 6,261 |
| Net loans and leases to core deposits | 30.6320% | 6,207 |
| Total domestic deposits to total assets | 86.9506% | 2,399 |
| Equity capital to assets | 12.9479% | 1,431 |
| Core capital (leverage) ratio | 12.0901% | 1,582 |
| Tier 1 risk-based capital ratio | 36.2079% | 331 |
| Total risk-based capital ratio | 37.4600% | 326 |
| Memoranda: | ||
| Average total assets | $155,331,500 | 3,569 |
| Average earning assets | $151,340,500 | 3,442 |
| Average equity | $19,803,000 | 3,251 |
| Average total loans | $35,044,500 | 5,329 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7847% | 6,214 |
| Cost of funding earning assets | 0.2541% | 5,277 |
| Net interest margin | 2.5307% | 6,127 |
| Noninterest income to average assets | 0.3479% | 4,618 |
| Noninterest expense to average assets | 1.9571% | 5,845 |
| Loan and lease loss provision to assets | 0.0595% | 3,341 |
| Net operating income to assets | 0.8016% | 3,360 |
| Return on assets (ROA) | 0.8214% | 3,362 |
| Pretax return on assets | 0.8214% | 4,186 |
| Return on Equity (ROE) | 6.5173% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.2429% | 3,922 |
| Net charge-offs to loans | 0.1954% | 2,099 |
| Credit loss provision to net charge-offs | 128.5714% | 1,860 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,835 |
| Efficiency ratio | 69.2560% | 3,665 |
| Assets per employee ($millions) | 5.9984% | 1,378 |
| Cash dividends to net income (ytd only)* | 50.2415% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 822 |
| Loan loss allowance to noncurrent loans | 333.4764% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 5,103 |
| Noncurrent loans to loans | 0.6594% | 3,705 |
| Net loans and leases to total assets | 22.1592% | 6,343 |
| Net loans and leases to deposits | 25.3810% | 6,357 |
| Net loans and leases to core deposits | 30.6959% | 6,303 |
| Total domestic deposits to total assets | 87.3062% | 2,126 |
| Equity capital to assets | 12.5515% | 1,620 |
| Core capital (leverage) ratio | 11.7877% | 1,773 |
| Tier 1 risk-based capital ratio | 37.2043% | 279 |
| Total risk-based capital ratio | 38.4597% | 272 |
| Memoranda: | ||
| Average total assets | $151,196,600 | 3,612 |
| Average earning assets | $147,590,200 | 3,481 |
| Average equity | $19,057,000 | 3,283 |
| Average total loans | $35,815,400 | 5,338 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8129% | 6,272 |
| Cost of funding earning assets | 0.2556% | 5,347 |
| Net interest margin | 2.5573% | 6,176 |
| Noninterest income to average assets | 0.3484% | 4,655 |
| Noninterest expense to average assets | 1.8621% | 6,005 |
| Loan and lease loss provision to assets | 0.0756% | 2,835 |
| Net operating income to assets | 0.9102% | 2,863 |
| Return on assets (ROA) | 0.9270% | 2,880 |
| Pretax return on assets | 0.9270% | 3,873 |
| Return on Equity (ROE) | 7.3471% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.6069% | 3,355 |
| Net charge-offs to loans | 0.2375% | 1,622 |
| Credit loss provision to net charge-offs | 132.8125% | 1,748 |
| Earnings coverage of net charge-offs (x) | 17.3284% | 1,911 |
| Efficiency ratio | 65.1998% | 4,334 |
| Assets per employee ($millions) | 5.5713% | 1,658 |
| Cash dividends to net income (ytd only)* | 37.2960% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 888 |
| Loan loss allowance to noncurrent loans | 255.0820% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 5,124 |
| Noncurrent loans to loans | 0.8788% | 3,373 |
| Net loans and leases to total assets | 22.5539% | 6,411 |
| Net loans and leases to deposits | 25.9492% | 6,427 |
| Net loans and leases to core deposits | 31.6578% | 6,367 |
| Total domestic deposits to total assets | 86.9158% | 2,368 |
| Equity capital to assets | 12.9752% | 1,442 |
| Core capital (leverage) ratio | 12.4238% | 1,446 |
| Tier 1 risk-based capital ratio | 38.2154% | 270 |
| Total risk-based capital ratio | 39.4619% | 268 |
| Memoranda: | ||
| Average total assets | $150,006,250 | 3,659 |
| Average earning assets | $146,606,750 | 3,526 |
| Average equity | $18,927,500 | 3,311 |
| Average total loans | $35,935,250 | 5,383 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8266% | 6,325 |
| Cost of funding earning assets | 0.2551% | 5,437 |
| Net interest margin | 2.5715% | 6,205 |
| Noninterest income to average assets | 0.3310% | 4,771 |
| Noninterest expense to average assets | 1.8937% | 6,008 |
| Loan and lease loss provision to assets | 0.0867% | 2,577 |
| Net operating income to assets | 0.8661% | 2,973 |
| Return on assets (ROA) | 0.8661% | 3,064 |
| Pretax return on assets | 0.8661% | 4,011 |
| Return on Equity (ROE) | 6.9298% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.9011% | 3,023 |
| Net charge-offs to loans | 0.1596% | 2,116 |
| Credit loss provision to net charge-offs | 224.1379% | 1,063 |
| Earnings coverage of net charge-offs (x) | 24.6207% | 1,425 |
| Efficiency ratio | 66.3385% | 4,311 |
| Assets per employee ($millions) | 5.6736% | 1,545 |
| Cash dividends to net income (ytd only)* | 29.2758% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 974 |
| Loan loss allowance to noncurrent loans | 147.6723% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 4,656 |
| Noncurrent loans to loans | 1.5144% | 2,303 |
| Net loans and leases to total assets | 23.5010% | 6,464 |
| Net loans and leases to deposits | 27.0627% | 6,474 |
| Net loans and leases to core deposits | 33.2301% | 6,387 |
| Total domestic deposits to total assets | 86.8391% | 2,554 |
| Equity capital to assets | 13.0497% | 1,348 |
| Core capital (leverage) ratio | 12.2925% | 1,507 |
| Tier 1 risk-based capital ratio | 36.8702% | 303 |
| Total risk-based capital ratio | 38.1253% | 296 |
| Memoranda: | ||
| Average total assets | $149,866,330 | 3,680 |
| Average earning assets | $146,609,000 | 3,547 |
| Average equity | $18,730,670 | 3,321 |
| Average total loans | $36,345,330 | 5,406 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8022% | 6,399 |
| Cost of funding earning assets | 0.2567% | 5,524 |
| Net interest margin | 2.5454% | 6,294 |
| Noninterest income to average assets | 0.3125% | 4,866 |
| Noninterest expense to average assets | 1.8776% | 6,099 |
| Loan and lease loss provision to assets | 0.0927% | 2,371 |
| Net operating income to assets | 0.8368% | 2,970 |
| Return on assets (ROA) | 0.8368% | 3,039 |
| Pretax return on assets | 0.8368% | 3,949 |
| Return on Equity (ROE) | 6.8432% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.8432% | 2,120 |
| Net charge-offs to loans | 0.3153% | 1,124 |
| Credit loss provision to net charge-offs | 120.6897% | 1,452 |
| Earnings coverage of net charge-offs (x) | 12.1034% | 1,741 |
| Efficiency ratio | 66.7925% | 4,401 |
| Assets per employee ($millions) | 5.7588% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 1,353 |
| Loan loss allowance to noncurrent loans | 127.1667% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 4,694 |
| Noncurrent loans to loans | 1.6412% | 2,372 |
| Net loans and leases to total assets | 23.9072% | 6,510 |
| Net loans and leases to deposits | 27.3837% | 6,521 |
| Net loans and leases to core deposits | 33.3116% | 6,424 |
| Total domestic deposits to total assets | 87.3044% | 2,635 |
| Equity capital to assets | 12.5941% | 1,528 |
| Core capital (leverage) ratio | 12.0645% | 1,614 |
| Tier 1 risk-based capital ratio | 36.0003% | 317 |
| Total risk-based capital ratio | 37.2550% | 313 |
| Memoranda: | ||
| Average total assets | $151,043,000 | 3,690 |
| Average earning assets | $148,029,000 | 3,543 |
| Average equity | $18,471,000 | 3,357 |
| Average total loans | $36,788,000 | 5,439 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9377% | 6,396 |
| Cost of funding earning assets | 0.3088% | 5,529 |
| Net interest margin | 2.6289% | 6,233 |
| Noninterest income to average assets | 0.4636% | 4,003 |
| Noninterest expense to average assets | 1.8703% | 6,225 |
| Loan and lease loss provision to assets | 0.1190% | 2,827 |
| Net operating income to assets | 1.0588% | 2,079 |
| Return on assets (ROA) | 1.0780% | 2,092 |
| Pretax return on assets | 1.0780% | 3,041 |
| Return on Equity (ROE) | 8.5827% | 2,742 |
| Retained earnings to average equity (ytd only) | 3.2119% | 3,943 |
| Net charge-offs to loans | 0.5998% | 1,094 |
| Credit loss provision to net charge-offs | 75.9494% | 3,142 |
| Earnings coverage of net charge-offs (x) | 7.5148% | 2,832 |
| Efficiency ratio | 61.1846% | 5,333 |
| Assets per employee ($millions) | 5.8599% | 1,367 |
| Cash dividends to net income (ytd only)* | 62.5767% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 1,456 |
| Loan loss allowance to noncurrent loans | 108.6207% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 4,615 |
| Noncurrent loans to loans | 1.8802% | 2,138 |
| Net loans and leases to total assets | 23.8000% | 6,613 |
| Net loans and leases to deposits | 27.0956% | 6,624 |
| Net loans and leases to core deposits | 32.5669% | 6,551 |
| Total domestic deposits to total assets | 87.8371% | 2,279 |
| Equity capital to assets | 11.8701% | 1,888 |
| Core capital (leverage) ratio | 11.8597% | 1,710 |
| Tier 1 risk-based capital ratio | 36.1865% | 292 |
| Total risk-based capital ratio | 37.4398% | 290 |
| Memoranda: | ||
| Average total assets | $151,203,200 | 3,681 |
| Average earning assets | $148,654,600 | 3,529 |
| Average equity | $18,991,600 | 3,280 |
| Average total loans | $39,512,800 | 5,367 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 6,473 |
| Cost of funding earning assets | 0.3218% | 5,536 |
| Net interest margin | 2.6173% | 6,297 |
| Noninterest income to average assets | 0.5036% | 3,781 |
| Noninterest expense to average assets | 1.7926% | 6,349 |
| Loan and lease loss provision to assets | 0.1193% | 2,807 |
| Net operating income to assets | 1.1644% | 1,759 |
| Return on assets (ROA) | 1.1644% | 1,829 |
| Pretax return on assets | 1.1644% | 2,833 |
| Return on Equity (ROE) | 9.1439% | 2,571 |
| Retained earnings to average equity (ytd only) | 5.8138% | 2,529 |
| Net charge-offs to loans | 0.6644% | 913 |
| Credit loss provision to net charge-offs | 67.5000% | 3,116 |
| Earnings coverage of net charge-offs (x) | 7.2650% | 2,818 |
| Efficiency ratio | 58.0988% | 5,671 |
| Assets per employee ($millions) | 5.5992% | 1,535 |
| Cash dividends to net income (ytd only)* | 36.4186% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 1,835 |
| Loan loss allowance to noncurrent loans | 105.0491% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 4,714 |
| Noncurrent loans to loans | 1.8635% | 2,416 |
| Net loans and leases to total assets | 25.7676% | 6,653 |
| Net loans and leases to deposits | 29.4836% | 6,676 |
| Net loans and leases to core deposits | 35.8253% | 6,567 |
| Total domestic deposits to total assets | 87.3964% | 2,461 |
| Equity capital to assets | 12.3810% | 1,647 |
| Core capital (leverage) ratio | 12.3324% | 1,500 |
| Tier 1 risk-based capital ratio | 35.2942% | 332 |
| Total risk-based capital ratio | 36.5647% | 324 |
| Memoranda: | ||
| Average total assets | $150,914,750 | 3,722 |
| Average earning assets | $148,340,500 | 3,569 |
| Average equity | $19,218,250 | 3,287 |
| Average total loans | $40,136,750 | 5,389 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9651% | 6,478 |
| Cost of funding earning assets | 0.3343% | 5,530 |
| Net interest margin | 2.6307% | 6,297 |
| Noninterest income to average assets | 0.3550% | 4,850 |
| Noninterest expense to average assets | 1.7761% | 6,412 |
| Loan and lease loss provision to assets | 0.1179% | 2,852 |
| Net operating income to assets | 1.0478% | 2,122 |
| Return on assets (ROA) | 1.0478% | 2,245 |
| Pretax return on assets | 1.0478% | 3,304 |
| Return on Equity (ROE) | 8.1565% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.3731% | 2,826 |
| Net charge-offs to loans | 0.8881% | 703 |
| Credit loss provision to net charge-offs | 49.7238% | 3,219 |
| Earnings coverage of net charge-offs (x) | 4.9171% | 3,002 |
| Efficiency ratio | 60.1959% | 5,458 |
| Assets per employee ($millions) | 5.6010% | 1,498 |
| Cash dividends to net income (ytd only)* | 34.1250% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 2,404 |
| Loan loss allowance to noncurrent loans | 92.3372% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 4,665 |
| Noncurrent loans to loans | 1.9604% | 2,442 |
| Net loans and leases to total assets | 26.9304% | 6,654 |
| Net loans and leases to deposits | 30.9078% | 6,679 |
| Net loans and leases to core deposits | 38.1016% | 6,535 |
| Total domestic deposits to total assets | 87.1315% | 2,741 |
| Equity capital to assets | 12.7284% | 1,452 |
| Core capital (leverage) ratio | 11.8617% | 1,696 |
| Tier 1 risk-based capital ratio | 33.7796% | 376 |
| Total risk-based capital ratio | 35.0488% | 368 |
| Memoranda: | ||
| Average total assets | $152,693,670 | 3,722 |
| Average earning assets | $150,147,670 | 3,549 |
| Average equity | $19,616,330 | 3,245 |
| Average total loans | $40,762,000 | 5,391 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0132% | 6,504 |
| Cost of funding earning assets | 0.3435% | 5,610 |
| Net interest margin | 2.6697% | 6,270 |
| Noninterest income to average assets | 0.3431% | 4,946 |
| Noninterest expense to average assets | 1.6898% | 6,567 |
| Loan and lease loss provision to assets | 0.1152% | 2,793 |
| Net operating income to assets | 1.1650% | 1,623 |
| Return on assets (ROA) | 1.1650% | 1,732 |
| Pretax return on assets | 1.1650% | 2,702 |
| Return on Equity (ROE) | 9.0293% | 2,483 |
| Retained earnings to average equity (ytd only) | 9.0293% | 1,377 |
| Net charge-offs to loans | 1.6807% | 300 |
| Credit loss provision to net charge-offs | 26.0116% | 2,951 |
| Earnings coverage of net charge-offs (x) | 2.8902% | 2,906 |
| Efficiency ratio | 56.7241% | 5,997 |
| Assets per employee ($millions) | 6.1090% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 3,029 |
| Loan loss allowance to noncurrent loans | 85.2174% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 4,859 |
| Noncurrent loans to loans | 1.9903% | 2,627 |
| Net loans and leases to total assets | 26.0336% | 6,726 |
| Net loans and leases to deposits | 30.1642% | 6,740 |
| Net loans and leases to core deposits | 36.1389% | 6,616 |
| Total domestic deposits to total assets | 86.3062% | 3,352 |
| Equity capital to assets | 13.3769% | 1,257 |
| Core capital (leverage) ratio | 11.5030% | 1,883 |
| Tier 1 risk-based capital ratio | 33.5321% | 394 |
| Total risk-based capital ratio | 34.7992% | 388 |
| Memoranda: | ||
| Average total assets | $156,227,000 | 3,704 |
| Average earning assets | $153,725,000 | 3,531 |
| Average equity | $20,156,500 | 3,233 |
| Average total loans | $41,172,500 | 5,407 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 6,114 |
| Cost of funding earning assets | 0.4663% | 5,447 |
| Net interest margin | 3.1963% | 5,579 |
| Noninterest income to average assets | 0.3512% | 4,954 |
| Noninterest expense to average assets | 1.9455% | 6,427 |
| Loan and lease loss provision to assets | 0.1206% | 4,109 |
| Net operating income to assets | 1.4227% | 1,058 |
| Return on assets (ROA) | 1.6057% | 828 |
| Pretax return on assets | 1.6057% | 1,366 |
| Return on Equity (ROE) | 12.1305% | 1,472 |
| Retained earnings to average equity (ytd only) | 4.8401% | 2,818 |
| Net charge-offs to loans | -0.0343% | 6,635 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6089% | 6,104 |
| Assets per employee ($millions) | 6.1434% | 1,197 |
| Cash dividends to net income (ytd only)* | 60.1002% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9428% | 2,166 |
| Loan loss allowance to noncurrent loans | 193.8095% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 5,581 |
| Noncurrent loans to loans | 1.0024% | 4,187 |
| Net loans and leases to total assets | 25.7219% | 6,817 |
| Net loans and leases to deposits | 29.4394% | 6,845 |
| Net loans and leases to core deposits | 34.8075% | 6,752 |
| Total domestic deposits to total assets | 87.3723% | 2,595 |
| Equity capital to assets | 12.4480% | 1,752 |
| Core capital (leverage) ratio | 11.3706% | 1,963 |
| Tier 1 risk-based capital ratio | 31.8808% | 434 |
| Total risk-based capital ratio | 33.1516% | 427 |
| Memoranda: | ||
| Average total assets | $149,218,400 | 3,789 |
| Average earning assets | $146,482,800 | 3,616 |
| Average equity | $19,751,800 | 3,224 |
| Average total loans | $43,691,800 | 5,346 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 6,004 |
| Cost of funding earning assets | 0.4933% | 5,479 |
| Net interest margin | 3.3159% | 5,330 |
| Noninterest income to average assets | 0.3593% | 4,950 |
| Noninterest expense to average assets | 1.8100% | 6,672 |
| Loan and lease loss provision to assets | 0.1364% | 3,843 |
| Net operating income to assets | 1.6654% | 741 |
| Return on assets (ROA) | 1.7117% | 740 |
| Pretax return on assets | 1.7117% | 1,235 |
| Return on Equity (ROE) | 12.7251% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.4647% | 1,872 |
| Net charge-offs to loans | -0.1027% | 6,858 |
| Credit loss provision to net charge-offs | -441.1765% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9622% | 6,594 |
| Assets per employee ($millions) | 5.3982% | 1,731 |
| Cash dividends to net income (ytd only)* | 41.3391% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 2,500 |
| Loan loss allowance to noncurrent loans | 178.4444% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 5,478 |
| Noncurrent loans to loans | 1.0607% | 4,318 |
| Net loans and leases to total assets | 28.5562% | 6,862 |
| Net loans and leases to deposits | 33.2947% | 6,882 |
| Net loans and leases to core deposits | 40.2450% | 6,730 |
| Total domestic deposits to total assets | 85.7682% | 3,378 |
| Equity capital to assets | 14.1131% | 1,116 |
| Core capital (leverage) ratio | 11.9241% | 1,703 |
| Tier 1 risk-based capital ratio | 28.7494% | 604 |
| Total risk-based capital ratio | 30.0147% | 592 |
| Memoranda: | ||
| Average total assets | $146,591,000 | 3,871 |
| Average earning assets | $143,789,000 | 3,695 |
| Average equity | $19,719,000 | 3,264 |
| Average total loans | $44,140,000 | 5,387 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 5,989 |
| Cost of funding earning assets | 0.5095% | 5,561 |
| Net interest margin | 3.3599% | 5,234 |
| Noninterest income to average assets | 0.3609% | 4,952 |
| Noninterest expense to average assets | 1.7267% | 6,820 |
| Loan and lease loss provision to assets | 0.1634% | 3,465 |
| Net operating income to assets | 1.7662% | 595 |
| Return on assets (ROA) | 1.7662% | 669 |
| Pretax return on assets | 1.7662% | 1,101 |
| Return on Equity (ROE) | 13.3468% | 1,267 |
| Retained earnings to average equity (ytd only) | 9.2512% | 1,195 |
| Net charge-offs to loans | -0.0984% | 6,853 |
| Credit loss provision to net charge-offs | -545.4545% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0764% | 6,830 |
| Assets per employee ($millions) | 5.3466% | 1,772 |
| Cash dividends to net income (ytd only)* | 30.6862% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 3,030 |
| Loan loss allowance to noncurrent loans | 456.2874% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 5,999 |
| Noncurrent loans to loans | 0.3832% | 5,769 |
| Net loans and leases to total assets | 29.6610% | 6,878 |
| Net loans and leases to deposits | 34.5067% | 6,908 |
| Net loans and leases to core deposits | 41.6518% | 6,748 |
| Total domestic deposits to total assets | 85.9571% | 3,374 |
| Equity capital to assets | 13.9244% | 1,130 |
| Core capital (leverage) ratio | 11.6945% | 1,790 |
| Tier 1 risk-based capital ratio | 28.2195% | 626 |
| Total risk-based capital ratio | 29.4536% | 619 |
| Memoranda: | ||
| Average total assets | $146,871,000 | 3,886 |
| Average earning assets | $144,053,330 | 3,715 |
| Average equity | $19,435,330 | 3,291 |
| Average total loans | $44,712,000 | 5,395 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 6,055 |
| Cost of funding earning assets | 0.5257% | 5,632 |
| Net interest margin | 3.3577% | 5,270 |
| Noninterest income to average assets | 0.3619% | 4,983 |
| Noninterest expense to average assets | 1.7012% | 6,897 |
| Loan and lease loss provision to assets | 0.1620% | 3,362 |
| Net operating income to assets | 1.7930% | 605 |
| Return on assets (ROA) | 1.7930% | 679 |
| Pretax return on assets | 1.7930% | 1,081 |
| Return on Equity (ROE) | 13.9039% | 1,208 |
| Retained earnings to average equity (ytd only) | 13.9039% | 578 |
| Net charge-offs to loans | -0.2120% | 7,003 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3811% | 6,879 |
| Assets per employee ($millions) | 5.7215% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 3,720 |
| Loan loss allowance to noncurrent loans | 377.9570% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 6,113 |
| Noncurrent loans to loans | 0.4232% | 5,822 |
| Net loans and leases to total assets | 29.0737% | 6,944 |
| Net loans and leases to deposits | 33.5464% | 6,964 |
| Net loans and leases to core deposits | 40.1139% | 6,813 |
| Total domestic deposits to total assets | 86.6671% | 3,132 |
| Equity capital to assets | 13.2126% | 1,353 |
| Core capital (leverage) ratio | 11.4760% | 1,908 |
| Tier 1 risk-based capital ratio | 27.2834% | 703 |
| Total risk-based capital ratio | 28.3993% | 699 |
| Memoranda: | ||
| Average total assets | $148,127,500 | 3,907 |
| Average earning assets | $145,338,000 | 3,708 |
| Average equity | $19,102,500 | 3,336 |
| Average total loans | $45,278,000 | 5,403 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 5,850 |
| Cost of funding earning assets | 0.7003% | 5,538 |
| Net interest margin | 3.5711% | 4,842 |
| Noninterest income to average assets | 0.3860% | 4,737 |
| Noninterest expense to average assets | 1.9894% | 6,691 |
| Loan and lease loss provision to assets | 0.2128% | 4,061 |
| Net operating income to assets | 1.6680% | 584 |
| Return on assets (ROA) | 1.8482% | 457 |
| Pretax return on assets | 1.8482% | 733 |
| Return on Equity (ROE) | 14.0814% | 907 |
| Retained earnings to average equity (ytd only) | 3.2757% | 3,894 |
| Net charge-offs to loans | 0.4796% | 3,076 |
| Credit loss provision to net charge-offs | 132.7434% | 2,290 |
| Earnings coverage of net charge-offs (x) | 11.7301% | 1,689 |
| Efficiency ratio | 51.2557% | 6,756 |
| Assets per employee ($millions) | 5.6729% | 1,461 |
| Cash dividends to net income (ytd only)* | 76.7370% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 4,767 |
| Loan loss allowance to noncurrent loans | 212.7148% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 6,019 |
| Noncurrent loans to loans | 0.6244% | 5,467 |
| Net loans and leases to total assets | 31.1767% | 6,970 |
| Net loans and leases to deposits | 35.7638% | 7,009 |
| Net loans and leases to core deposits | 42.2236% | 6,878 |
| Total domestic deposits to total assets | 87.1738% | 2,660 |
| Equity capital to assets | 12.5767% | 1,759 |
| Core capital (leverage) ratio | 11.0932% | 2,200 |
| Tier 1 risk-based capital ratio | 25.4568% | 827 |
| Total risk-based capital ratio | 26.4106% | 838 |
| Memoranda: | ||
| Average total assets | $140,945,000 | 3,963 |
| Average earning assets | $137,522,200 | 3,795 |
| Average equity | $18,499,600 | 3,363 |
| Average total loans | $47,125,800 | 5,378 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 5,914 |
| Cost of funding earning assets | 0.7319% | 5,584 |
| Net interest margin | 3.5789% | 4,855 |
| Noninterest income to average assets | 0.3905% | 4,737 |
| Noninterest expense to average assets | 1.9486% | 6,787 |
| Loan and lease loss provision to assets | 0.2153% | 3,864 |
| Net operating income to assets | 1.7132% | 610 |
| Return on assets (ROA) | 1.9563% | 411 |
| Pretax return on assets | 1.9563% | 682 |
| Return on Equity (ROE) | 14.7415% | 883 |
| Retained earnings to average equity (ytd only) | 8.9430% | 1,166 |
| Net charge-offs to loans | 0.2765% | 3,702 |
| Credit loss provision to net charge-offs | 229.5918% | 1,241 |
| Earnings coverage of net charge-offs (x) | 20.5618% | 1,215 |
| Efficiency ratio | 50.1111% | 6,823 |
| Assets per employee ($millions) | 5.2639% | 1,855 |
| Cash dividends to net income (ytd only)* | 39.3345% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 4,484 |
| Loan loss allowance to noncurrent loans | 138.8430% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,042 |
| Noncurrent loans to loans | 1.0198% | 4,852 |
| Net loans and leases to total assets | 32.9194% | 6,997 |
| Net loans and leases to deposits | 38.2206% | 7,028 |
| Net loans and leases to core deposits | 45.1338% | 6,885 |
| Total domestic deposits to total assets | 86.1299% | 3,149 |
| Equity capital to assets | 13.6773% | 1,294 |
| Core capital (leverage) ratio | 12.0914% | 1,658 |
| Tier 1 risk-based capital ratio | 26.6447% | 768 |
| Total risk-based capital ratio | 27.6886% | 769 |
| Memoranda: | ||
| Average total assets | $139,307,500 | 4,017 |
| Average earning assets | $135,719,000 | 3,844 |
| Average equity | $18,487,000 | 3,355 |
| Average total loans | $47,256,500 | 5,414 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 5,922 |
| Cost of funding earning assets | 0.7463% | 5,693 |
| Net interest margin | 3.5812% | 4,783 |
| Noninterest income to average assets | 0.3498% | 5,091 |
| Noninterest expense to average assets | 1.9817% | 6,830 |
| Loan and lease loss provision to assets | 0.2168% | 3,752 |
| Net operating income to assets | 1.6333% | 689 |
| Return on assets (ROA) | 1.9369% | 396 |
| Pretax return on assets | 1.9369% | 656 |
| Return on Equity (ROE) | 14.7499% | 843 |
| Retained earnings to average equity (ytd only) | 10.7102% | 720 |
| Net charge-offs to loans | 0.3645% | 3,097 |
| Credit loss provision to net charge-offs | 174.4186% | 1,728 |
| Earnings coverage of net charge-offs (x) | 14.8837% | 1,448 |
| Efficiency ratio | 51.5654% | 6,824 |
| Assets per employee ($millions) | 5.6004% | 1,481 |
| Cash dividends to net income (ytd only)* | 27.3881% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 5,062 |
| Loan loss allowance to noncurrent loans | 145.6938% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 6,195 |
| Noncurrent loans to loans | 0.8923% | 5,186 |
| Net loans and leases to total assets | 33.0236% | 7,076 |
| Net loans and leases to deposits | 38.2650% | 7,112 |
| Net loans and leases to core deposits | 45.1334% | 6,970 |
| Total domestic deposits to total assets | 86.3023% | 3,155 |
| Equity capital to assets | 13.5113% | 1,286 |
| Core capital (leverage) ratio | 12.1945% | 1,509 |
| Tier 1 risk-based capital ratio | 27.7205% | 680 |
| Total risk-based capital ratio | 28.7204% | 683 |
| Memoranda: | ||
| Average total assets | $138,368,000 | 4,057 |
| Average earning assets | $134,534,670 | 3,895 |
| Average equity | $18,169,670 | 3,389 |
| Average total loans | $47,189,000 | 5,470 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 6,158 |
| Cost of funding earning assets | 0.7778% | 5,688 |
| Net interest margin | 3.4686% | 5,150 |
| Noninterest income to average assets | 0.3868% | 4,821 |
| Noninterest expense to average assets | 1.8379% | 7,089 |
| Loan and lease loss provision to assets | 0.2181% | 3,473 |
| Net operating income to assets | 1.6896% | 584 |
| Return on assets (ROA) | 1.7797% | 537 |
| Pretax return on assets | 1.7797% | 849 |
| Return on Equity (ROE) | 13.7559% | 1,032 |
| Retained earnings to average equity (ytd only) | 13.7559% | 497 |
| Net charge-offs to loans | 0.1098% | 3,869 |
| Credit loss provision to net charge-offs | 576.9231% | 646 |
| Earnings coverage of net charge-offs (x) | 50.4615% | 570 |
| Efficiency ratio | 48.9130% | 7,069 |
| Assets per employee ($millions) | 5.1243% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 5,178 |
| Loan loss allowance to noncurrent loans | 163.1720% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 6,097 |
| Noncurrent loans to loans | 0.7912% | 5,452 |
| Net loans and leases to total assets | 33.5449% | 7,107 |
| Net loans and leases to deposits | 38.6878% | 7,149 |
| Net loans and leases to core deposits | 45.6783% | 6,983 |
| Total domestic deposits to total assets | 86.7067% | 3,118 |
| Equity capital to assets | 13.1307% | 1,323 |
| Core capital (leverage) ratio | 12.0371% | 1,544 |
| Tier 1 risk-based capital ratio | 26.3855% | 751 |
| Total risk-based capital ratio | 27.3549% | 758 |
| Memoranda: | ||
| Average total assets | $137,547,500 | 4,108 |
| Average earning assets | $133,196,000 | 3,950 |
| Average equity | $17,796,000 | 3,432 |
| Average total loans | $47,361,000 | 5,507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 6,079 |
| Cost of funding earning assets | 1.0006% | 5,684 |
| Net interest margin | 3.6090% | 4,777 |
| Noninterest income to average assets | 0.4744% | 4,355 |
| Noninterest expense to average assets | 2.0443% | 6,953 |
| Loan and lease loss provision to assets | 0.2081% | 5,168 |
| Net operating income to assets | 1.7204% | 493 |
| Return on assets (ROA) | 1.7908% | 461 |
| Pretax return on assets | 1.7908% | 777 |
| Return on Equity (ROE) | 13.2015% | 1,039 |
| Retained earnings to average equity (ytd only) | 2.8221% | 3,873 |
| Net charge-offs to loans | 0.1685% | 5,319 |
| Credit loss provision to net charge-offs | 361.8421% | 705 |
| Earnings coverage of net charge-offs (x) | 33.5395% | 671 |
| Efficiency ratio | 51.3045% | 7,041 |
| Assets per employee ($millions) | 5.2592% | 1,795 |
| Cash dividends to net income (ytd only)* | 78.6227% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,769 |
| Loan loss allowance to noncurrent loans | 156.6092% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 6,189 |
| Noncurrent loans to loans | 0.7295% | 5,589 |
| Net loans and leases to total assets | 34.4881% | 7,208 |
| Net loans and leases to deposits | 39.6404% | 7,262 |
| Net loans and leases to core deposits | 46.7935% | 7,118 |
| Total domestic deposits to total assets | 87.0023% | 2,820 |
| Equity capital to assets | 12.7432% | 1,505 |
| Core capital (leverage) ratio | 11.5862% | 1,793 |
| Tier 1 risk-based capital ratio | 24.3505% | 902 |
| Total risk-based capital ratio | 25.1849% | 918 |
| Memoranda: | ||
| Average total assets | $132,175,600 | 4,216 |
| Average earning assets | $128,123,800 | 4,062 |
| Average equity | $17,929,800 | 3,437 |
| Average total loans | $45,095,600 | 5,700 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6568% | 6,164 |
| Cost of funding earning assets | 1.0388% | 5,750 |
| Net interest margin | 3.6180% | 4,797 |
| Noninterest income to average assets | 0.4874% | 4,284 |
| Noninterest expense to average assets | 1.9455% | 7,143 |
| Loan and lease loss provision to assets | 0.2035% | 5,016 |
| Net operating income to assets | 1.8539% | 448 |
| Return on assets (ROA) | 1.9485% | 407 |
| Pretax return on assets | 1.9485% | 707 |
| Return on Equity (ROE) | 14.1408% | 1,001 |
| Retained earnings to average equity (ytd only) | 8.2777% | 1,321 |
| Net charge-offs to loans | 0.1500% | 5,108 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 40.4369% | 680 |
| Efficiency ratio | 48.4494% | 7,245 |
| Assets per employee ($millions) | 5.1070% | 2,049 |
| Cash dividends to net income (ytd only)* | 41.4621% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 5,911 |
| Loan loss allowance to noncurrent loans | 435.0877% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 6,702 |
| Noncurrent loans to loans | 0.2543% | 6,672 |
| Net loans and leases to total assets | 33.3886% | 7,367 |
| Net loans and leases to deposits | 39.0498% | 7,394 |
| Net loans and leases to core deposits | 46.8721% | 7,237 |
| Total domestic deposits to total assets | 85.5026% | 3,340 |
| Equity capital to assets | 14.3318% | 1,073 |
| Core capital (leverage) ratio | 12.4559% | 1,436 |
| Tier 1 risk-based capital ratio | 26.6391% | 727 |
| Total risk-based capital ratio | 27.4390% | 747 |
| Memoranda: | ||
| Average total assets | $131,034,500 | 4,299 |
| Average earning assets | $127,322,500 | 4,126 |
| Average equity | $18,056,000 | 3,462 |
| Average total loans | $44,443,500 | 5,812 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 6,131 |
| Cost of funding earning assets | 1.0730% | 5,811 |
| Net interest margin | 3.6309% | 4,684 |
| Noninterest income to average assets | 0.4691% | 4,364 |
| Noninterest expense to average assets | 1.9195% | 7,230 |
| Loan and lease loss provision to assets | 0.1916% | 4,963 |
| Net operating income to assets | 1.8858% | 408 |
| Return on assets (ROA) | 2.0283% | 345 |
| Pretax return on assets | 2.0283% | 572 |
| Return on Equity (ROE) | 14.9227% | 870 |
| Retained earnings to average equity (ytd only) | 10.3884% | 767 |
| Net charge-offs to loans | -0.0135% | 7,239 |
| Credit loss provision to net charge-offs | -4,166.6667% | 7,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8711% | 7,354 |
| Assets per employee ($millions) | 5.0388% | 2,136 |
| Cash dividends to net income (ytd only)* | 30.3855% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 6,047 |
| Loan loss allowance to noncurrent loans | 173.6264% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 6,457 |
| Noncurrent loans to loans | 0.6207% | 6,006 |
| Net loans and leases to total assets | 33.2089% | 7,443 |
| Net loans and leases to deposits | 38.9708% | 7,467 |
| Net loans and leases to core deposits | 47.1759% | 7,315 |
| Total domestic deposits to total assets | 85.2149% | 3,515 |
| Equity capital to assets | 13.9875% | 1,159 |
| Core capital (leverage) ratio | 12.5051% | 1,409 |
| Tier 1 risk-based capital ratio | 26.8454% | 710 |
| Total risk-based capital ratio | 27.6252% | 737 |
| Memoranda: | ||
| Average total assets | $130,452,000 | 4,341 |
| Average earning assets | $126,745,000 | 4,161 |
| Average equity | $17,731,330 | 3,508 |
| Average total loans | $44,314,670 | 5,851 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 6,125 |
| Cost of funding earning assets | 1.1059% | 5,875 |
| Net interest margin | 3.6305% | 4,575 |
| Noninterest income to average assets | 0.4609% | 4,377 |
| Noninterest expense to average assets | 1.8806% | 7,359 |
| Loan and lease loss provision to assets | 0.1536% | 4,995 |
| Net operating income to assets | 1.9574% | 372 |
| Return on assets (ROA) | 2.0588% | 347 |
| Pretax return on assets | 2.0588% | 548 |
| Return on Equity (ROE) | 15.3718% | 814 |
| Retained earnings to average equity (ytd only) | 15.3718% | 381 |
| Net charge-offs to loans | -0.0629% | 7,412 |
| Credit loss provision to net charge-offs | -714.2857% | 6,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9592% | 7,502 |
| Assets per employee ($millions) | 4.9958% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 6,775 |
| Loan loss allowance to noncurrent loans | 195.6311% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 6,611 |
| Noncurrent loans to loans | 0.4703% | 6,355 |
| Net loans and leases to total assets | 33.4142% | 7,517 |
| Net loans and leases to deposits | 38.8385% | 7,553 |
| Net loans and leases to core deposits | 48.2389% | 7,351 |
| Total domestic deposits to total assets | 86.0337% | 3,141 |
| Equity capital to assets | 13.7908% | 1,211 |
| Core capital (leverage) ratio | 12.4973% | 1,406 |
| Tier 1 risk-based capital ratio | 26.4792% | 740 |
| Total risk-based capital ratio | 27.1434% | 772 |
| Memoranda: | ||
| Average total assets | $130,173,000 | 4,409 |
| Average earning assets | $126,593,000 | 4,223 |
| Average equity | $17,434,500 | 3,580 |
| Average total loans | $44,481,500 | 5,915 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 6,010 |
| Cost of funding earning assets | 1.3817% | 6,009 |
| Net interest margin | 3.7362% | 3,970 |
| Noninterest income to average assets | 0.5008% | 4,403 |
| Noninterest expense to average assets | 2.1485% | 7,085 |
| Loan and lease loss provision to assets | 0.1738% | 5,959 |
| Net operating income to assets | 1.8096% | 352 |
| Return on assets (ROA) | 1.8057% | 369 |
| Pretax return on assets | 1.8057% | 632 |
| Return on Equity (ROE) | 13.7572% | 826 |
| Retained earnings to average equity (ytd only) | 4.1284% | 2,325 |
| Net charge-offs to loans | 0.4227% | 4,101 |
| Credit loss provision to net charge-offs | 117.6471% | 4,605 |
| Earnings coverage of net charge-offs (x) | 13.4278% | 1,428 |
| Efficiency ratio | 51.8448% | 7,398 |
| Assets per employee ($millions) | 5.0175% | 2,195 |
| Cash dividends to net income (ytd only)* | 69.9913% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 7,216 |
| Loan loss allowance to noncurrent loans | 95.5801% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 6,550 |
| Noncurrent loans to loans | 0.8016% | 5,679 |
| Net loans and leases to total assets | 34.3505% | 7,583 |
| Net loans and leases to deposits | 39.6531% | 7,635 |
| Net loans and leases to core deposits | 55.9178% | 7,409 |
| Total domestic deposits to total assets | 86.6276% | 2,692 |
| Equity capital to assets | 12.9976% | 1,506 |
| Core capital (leverage) ratio | 12.1168% | 1,614 |
| Tier 1 risk-based capital ratio | 25.2439% | 820 |
| Total risk-based capital ratio | 25.8130% | 867 |
| Memoranda: | ||
| Average total assets | $126,601,600 | 4,412 |
| Average earning assets | $123,040,600 | 4,241 |
| Average equity | $16,616,800 | 3,753 |
| Average total loans | $44,235,000 | 5,924 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 6,014 |
| Cost of funding earning assets | 1.4427% | 6,068 |
| Net interest margin | 3.7265% | 3,966 |
| Noninterest income to average assets | 0.4924% | 4,551 |
| Noninterest expense to average assets | 1.9993% | 7,388 |
| Loan and lease loss provision to assets | 0.1273% | 6,076 |
| Net operating income to assets | 1.9866% | 300 |
| Return on assets (ROA) | 1.9813% | 328 |
| Pretax return on assets | 1.9813% | 562 |
| Return on Equity (ROE) | 15.0573% | 765 |
| Retained earnings to average equity (ytd only) | 9.4118% | 744 |
| Net charge-offs to loans | 0.1878% | 4,892 |
| Credit loss provision to net charge-offs | 193.5484% | 2,329 |
| Earnings coverage of net charge-offs (x) | 32.1308% | 885 |
| Efficiency ratio | 48.4520% | 7,648 |
| Assets per employee ($millions) | 5.2705% | 1,819 |
| Cash dividends to net income (ytd only)* | 37.4933% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8252% | 7,043 |
| Loan loss allowance to noncurrent loans | 101.6438% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 6,548 |
| Noncurrent loans to loans | 0.8119% | 5,680 |
| Net loans and leases to total assets | 35.2478% | 7,642 |
| Net loans and leases to deposits | 41.0420% | 7,700 |
| Net loans and leases to core deposits | 60.1571% | 7,392 |
| Total domestic deposits to total assets | 85.8822% | 2,759 |
| Equity capital to assets | 13.9273% | 1,332 |
| Core capital (leverage) ratio | 13.0406% | 1,366 |
| Tier 1 risk-based capital ratio | 26.7927% | 765 |
| Total risk-based capital ratio | 27.4190% | 792 |
| Memoranda: | ||
| Average total assets | $125,638,250 | 4,459 |
| Average earning assets | $122,079,000 | 4,297 |
| Average equity | $16,532,000 | 3,803 |
| Average total loans | $44,004,250 | 5,968 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 5,962 |
| Cost of funding earning assets | 1.5108% | 6,095 |
| Net interest margin | 3.7179% | 3,882 |
| Noninterest income to average assets | 0.4691% | 4,717 |
| Noninterest expense to average assets | 1.9593% | 7,537 |
| Loan and lease loss provision to assets | 0.0957% | 6,209 |
| Net operating income to assets | 2.0263% | 279 |
| Return on assets (ROA) | 2.0183% | 308 |
| Pretax return on assets | 2.0183% | 537 |
| Return on Equity (ROE) | 15.6459% | 741 |
| Retained earnings to average equity (ytd only) | 11.3170% | 517 |
| Net charge-offs to loans | 0.1328% | 4,836 |
| Credit loss provision to net charge-offs | 206.8966% | 2,207 |
| Earnings coverage of net charge-offs (x) | 45.8621% | 732 |
| Efficiency ratio | 47.8499% | 7,765 |
| Assets per employee ($millions) | 4.6850% | 2,480 |
| Cash dividends to net income (ytd only)* | 27.6680% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 7,220 |
| Loan loss allowance to noncurrent loans | 72.2689% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 6,245 |
| Noncurrent loans to loans | 1.0787% | 5,045 |
| Net loans and leases to total assets | 35.9442% | 7,708 |
| Net loans and leases to deposits | 41.7133% | 7,764 |
| Net loans and leases to core deposits | 60.4192% | 7,437 |
| Total domestic deposits to total assets | 86.1696% | 2,694 |
| Equity capital to assets | 13.5825% | 1,468 |
| Core capital (leverage) ratio | 12.8039% | 1,506 |
| Tier 1 risk-based capital ratio | 26.9747% | 782 |
| Total risk-based capital ratio | 27.5689% | 805 |
| Memoranda: | ||
| Average total assets | $125,353,330 | 4,497 |
| Average earning assets | $121,790,330 | 4,322 |
| Average equity | $16,170,330 | 3,887 |
| Average total loans | $43,686,670 | 6,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 6,208 |
| Cost of funding earning assets | 1.5319% | 6,301 |
| Net interest margin | 3.6921% | 3,925 |
| Noninterest income to average assets | 0.4468% | 4,809 |
| Noninterest expense to average assets | 1.8974% | 7,550 |
| Loan and lease loss provision to assets | 0.0944% | 5,752 |
| Net operating income to assets | 2.0421% | 328 |
| Return on assets (ROA) | 2.0421% | 371 |
| Pretax return on assets | 2.0421% | 615 |
| Return on Equity (ROE) | 16.2423% | 785 |
| Retained earnings to average equity (ytd only) | 16.2423% | 322 |
| Net charge-offs to loans | 0.2209% | 3,316 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 28.2917% | 1,108 |
| Efficiency ratio | 46.8799% | 7,798 |
| Assets per employee ($millions) | 4.8893% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 7,371 |
| Loan loss allowance to noncurrent loans | 284.8214% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 7,034 |
| Noncurrent loans to loans | 0.2545% | 6,805 |
| Net loans and leases to total assets | 34.3623% | 7,794 |
| Net loans and leases to deposits | 39.5932% | 7,849 |
| Net loans and leases to core deposits | 58.8001% | 7,502 |
| Total domestic deposits to total assets | 86.7883% | 2,317 |
| Equity capital to assets | 12.9938% | 1,747 |
| Core capital (leverage) ratio | 12.1980% | 1,818 |
| Tier 1 risk-based capital ratio | 25.9958% | 892 |
| Total risk-based capital ratio | 26.5377% | 929 |
| Memoranda: | ||
| Average total assets | $127,124,500 | 4,461 |
| Average earning assets | $123,508,000 | 4,293 |
| Average equity | $15,983,000 | 3,944 |
| Average total loans | $43,466,000 | 6,075 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 6,659 |
| Cost of funding earning assets | 1.8789% | 6,793 |
| Net interest margin | 3.8572% | 3,761 |
| Noninterest income to average assets | 0.5153% | 4,508 |
| Noninterest expense to average assets | 2.0314% | 7,386 |
| Loan and lease loss provision to assets | 0.0255% | 7,081 |
| Net operating income to assets | 2.1870% | 245 |
| Return on assets (ROA) | 2.1870% | 240 |
| Pretax return on assets | 2.1870% | 409 |
| Return on Equity (ROE) | 17.0218% | 629 |
| Retained earnings to average equity (ytd only) | 4.4474% | 2,360 |
| Net charge-offs to loans | -0.0138% | 7,887 |
| Credit loss provision to net charge-offs | -500.0000% | 7,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7059% | 7,833 |
| Assets per employee ($millions) | 5.0851% | 1,862 |
| Cash dividends to net income (ytd only)* | 73.8725% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 7,354 |
| Loan loss allowance to noncurrent loans | 292.5234% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 6,900 |
| Noncurrent loans to loans | 0.2492% | 6,640 |
| Net loans and leases to total assets | 33.5240% | 7,903 |
| Net loans and leases to deposits | 38.3438% | 7,969 |
| Net loans and leases to core deposits | 54.7747% | 7,776 |
| Total domestic deposits to total assets | 87.4299% | 1,737 |
| Equity capital to assets | 12.1516% | 2,189 |
| Core capital (leverage) ratio | 12.3678% | 1,800 |
| Tier 1 risk-based capital ratio | 25.4647% | 950 |
| Total risk-based capital ratio | 26.0070% | 984 |
| Memoranda: | ||
| Average total assets | $117,601,600 | 4,576 |
| Average earning assets | $113,682,400 | 4,427 |
| Average equity | $15,110,000 | 4,119 |
| Average total loans | $43,607,600 | 5,997 |