Home > Flint Community Bank > Performance and Condition Ratios
Flint Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 1,142 |
| Cost of funding earning assets | 1.7758% | 1,292 |
| Net interest margin | 3.7343% | 1,688 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.4726% | 2,371 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.5130% | 993 |
| Return on assets (ROA) | 1.5130% | 964 |
| Pretax return on assets | 1.5130% | 1,387 |
| Return on Equity (ROE) | 18.4300% | 767 |
| Retained earnings to average equity (ytd only) | 4.0174% | 2,955 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.9388% | 2,836 |
| Assets per employee ($millions) | 7.4942% | 1,734 |
| Cash dividends to net income (ytd only)* | 78.1971% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 1,931 |
| Loan loss allowance to noncurrent loans | 209.5785% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 1,100 |
| Noncurrent loans to loans | 0.6053% | 1,304 |
| Net loans and leases to total assets | 83.1300% | 335 |
| Net loans and leases to deposits | 95.1246% | 856 |
| Net loans and leases to core deposits | 103.3127% | 1,255 |
| Total domestic deposits to total assets | 87.3900% | 1,561 |
| Equity capital to assets | 8.6268% | 2,947 |
| Core capital (leverage) ratio | 8.5704% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5664% | 2,393 |
| Memoranda: | ||
| Average total assets | $315,261,400 | 2,345 |
| Average earning assets | $298,127,400 | 2,320 |
| Average equity | $25,887,600 | 2,469 |
| Average total loans | $261,422,800 | 1,952 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 1,211 |
| Cost of funding earning assets | 1.6447% | 1,294 |
| Net interest margin | 3.7038% | 1,767 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.4707% | 2,316 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4793% | 1,166 |
| Return on assets (ROA) | 1.4793% | 1,147 |
| Pretax return on assets | 1.4793% | 1,605 |
| Return on Equity (ROE) | 18.2400% | 919 |
| Retained earnings to average equity (ytd only) | 3.8912% | 3,288 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.4164% | 2,672 |
| Assets per employee ($millions) | 7.5030% | 1,629 |
| Cash dividends to net income (ytd only)* | 78.6648% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 1,993 |
| Loan loss allowance to noncurrent loans | 209.5785% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 1,167 |
| Noncurrent loans to loans | 0.6079% | 1,328 |
| Net loans and leases to total assets | 80.7000% | 569 |
| Net loans and leases to deposits | 91.8567% | 1,063 |
| Net loans and leases to core deposits | 100.2736% | 1,305 |
| Total domestic deposits to total assets | 87.8500% | 1,628 |
| Equity capital to assets | 8.2779% | 2,865 |
| Core capital (leverage) ratio | 8.3367% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4053% | 2,476 |
| Memoranda: | ||
| Average total assets | $317,261,250 | 2,340 |
| Average earning assets | $299,789,500 | 2,312 |
| Average equity | $25,732,750 | 2,466 |
| Average total loans | $262,102,250 | 1,952 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 1,338 |
| Cost of funding earning assets | 1.4769% | 1,287 |
| Net interest margin | 3.6397% | 1,940 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.4650% | 2,304 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4140% | 1,293 |
| Return on assets (ROA) | 1.4140% | 1,277 |
| Pretax return on assets | 1.4140% | 1,775 |
| Return on Equity (ROE) | 17.5500% | 1,008 |
| Retained earnings to average equity (ytd only) | 3.1388% | 3,441 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.3425% | 2,557 |
| Assets per employee ($millions) | 7.6022% | 1,542 |
| Cash dividends to net income (ytd only)* | 82.1174% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,189 |
| Loan loss allowance to noncurrent loans | 208.2487% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 1,099 |
| Noncurrent loans to loans | 0.5985% | 1,244 |
| Net loans and leases to total assets | 81.4500% | 476 |
| Net loans and leases to deposits | 94.7284% | 801 |
| Net loans and leases to core deposits | 103.9945% | 1,054 |
| Total domestic deposits to total assets | 85.9800% | 2,233 |
| Equity capital to assets | 8.0534% | 3,174 |
| Core capital (leverage) ratio | 8.2754% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8914% | 2,658 |
| Memoranda: | ||
| Average total assets | $317,972,667 | 2,339 |
| Average earning assets | $300,079,333 | 2,313 |
| Average equity | $25,615,000 | 2,490 |
| Average total loans | $263,606,000 | 1,937 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 1,618 |
| Cost of funding earning assets | 1.1616% | 1,556 |
| Net interest margin | 3.6371% | 2,041 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.4670% | 2,332 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3602% | 1,511 |
| Return on assets (ROA) | 1.3602% | 1,481 |
| Pretax return on assets | 1.3602% | 1,986 |
| Return on Equity (ROE) | 16.8800% | 1,198 |
| Retained earnings to average equity (ytd only) | 2.4408% | 3,618 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0380% | 2,453 |
| Assets per employee ($millions) | 7.5511% | 1,590 |
| Cash dividends to net income (ytd only)* | 85.5422% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,386 |
| Loan loss allowance to noncurrent loans | 151.8741% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 727 |
| Noncurrent loans to loans | 0.8102% | 945 |
| Net loans and leases to total assets | 83.0700% | 291 |
| Net loans and leases to deposits | 97.2915% | 578 |
| Net loans and leases to core deposits | 104.4083% | 902 |
| Total domestic deposits to total assets | 85.3800% | 2,750 |
| Equity capital to assets | 8.0480% | 3,209 |
| Core capital (leverage) ratio | 8.4141% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7307% | 2,808 |
| Memoranda: | ||
| Average total assets | $317,312,500 | 2,372 |
| Average earning assets | $299,582,000 | 2,346 |
| Average equity | $25,565,500 | 2,513 |
| Average total loans | $263,740,000 | 1,958 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 1,108 |
| Cost of funding earning assets | 0.3861% | 2,210 |
| Net interest margin | 3.8869% | 982 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.4388% | 2,307 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.6621% | 592 |
| Return on assets (ROA) | 1.6621% | 562 |
| Pretax return on assets | 1.6621% | 1,011 |
| Return on Equity (ROE) | 20.0200% | 478 |
| Retained earnings to average equity (ytd only) | 5.4536% | 2,851 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.8955% | 3,202 |
| Assets per employee ($millions) | 7.5590% | 1,577 |
| Cash dividends to net income (ytd only)* | 72.7637% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,716 |
| Loan loss allowance to noncurrent loans | 59.9110% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5573% | 195 |
| Noncurrent loans to loans | 1.8960% | 304 |
| Net loans and leases to total assets | 81.2000% | 480 |
| Net loans and leases to deposits | 90.4277% | 1,019 |
| Net loans and leases to core deposits | 94.8267% | 1,258 |
| Total domestic deposits to total assets | 89.8000% | 1,446 |
| Equity capital to assets | 8.0658% | 3,024 |
| Core capital (leverage) ratio | 8.1884% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8833% | 2,762 |
| Memoranda: | ||
| Average total assets | $299,978,800 | 2,452 |
| Average earning assets | $283,105,200 | 2,427 |
| Average equity | $24,901,200 | 2,588 |
| Average total loans | $252,773,400 | 1,920 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 1,069 |
| Cost of funding earning assets | 0.2698% | 2,491 |
| Net interest margin | 3.8310% | 905 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.4460% | 2,176 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.6102% | 645 |
| Return on assets (ROA) | 1.6102% | 624 |
| Pretax return on assets | 1.6102% | 1,096 |
| Return on Equity (ROE) | 19.2500% | 508 |
| Retained earnings to average equity (ytd only) | 4.5999% | 3,244 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.7049% | 3,150 |
| Assets per employee ($millions) | 7.2520% | 1,781 |
| Cash dividends to net income (ytd only)* | 76.1064% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,849 |
| Loan loss allowance to noncurrent loans | 64.1856% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.4998% | 225 |
| Noncurrent loans to loans | 1.7724% | 366 |
| Net loans and leases to total assets | 83.6600% | 274 |
| Net loans and leases to deposits | 94.7857% | 603 |
| Net loans and leases to core deposits | 98.7739% | 866 |
| Total domestic deposits to total assets | 88.2600% | 2,338 |
| Equity capital to assets | 8.2247% | 2,736 |
| Core capital (leverage) ratio | 8.4863% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8966% | 2,846 |
| Memoranda: | ||
| Average total assets | $295,604,000 | 2,489 |
| Average earning assets | $278,705,250 | 2,468 |
| Average equity | $24,724,750 | 2,637 |
| Average total loans | $250,777,750 | 1,936 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 1,013 |
| Cost of funding earning assets | 0.2027% | 2,880 |
| Net interest margin | 3.7520% | 834 |
| Noninterest income to average assets | 0.5017% | 2,193 |
| Noninterest expense to average assets | 2.4797% | 1,998 |
| Loan and lease loss provision to assets | 0.0410% | 1,842 |
| Net operating income to assets | 1.5105% | 692 |
| Return on assets (ROA) | 1.5105% | 668 |
| Pretax return on assets | 1.5105% | 1,141 |
| Return on Equity (ROE) | 17.9558% | 478 |
| Retained earnings to average equity (ytd only) | 3.2743% | 3,361 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5124% | 3,109 |
| Assets per employee ($millions) | 7.1015% | 1,878 |
| Cash dividends to net income (ytd only)* | 81.7647% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,968 |
| Loan loss allowance to noncurrent loans | 78.3689% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 322 |
| Noncurrent loans to loans | 1.4573% | 514 |
| Net loans and leases to total assets | 86.2729% | 79 |
| Net loans and leases to deposits | 98.1852% | 337 |
| Net loans and leases to core deposits | 100.8507% | 640 |
| Total domestic deposits to total assets | 87.8676% | 2,627 |
| Equity capital to assets | 8.5059% | 2,760 |
| Core capital (leverage) ratio | 8.4456% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8263% | 2,857 |
| Memoranda: | ||
| Average total assets | $292,611,333 | 2,521 |
| Average earning assets | $275,263,000 | 2,507 |
| Average equity | $24,616,000 | 2,703 |
| Average total loans | $248,458,667 | 1,947 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 1,124 |
| Cost of funding earning assets | 0.1895% | 2,957 |
| Net interest margin | 3.5905% | 910 |
| Noninterest income to average assets | 0.4923% | 2,185 |
| Noninterest expense to average assets | 2.4627% | 1,977 |
| Loan and lease loss provision to assets | 0.0409% | 1,617 |
| Net operating income to assets | 1.3732% | 849 |
| Return on assets (ROA) | 1.3732% | 841 |
| Pretax return on assets | 1.3732% | 1,320 |
| Return on Equity (ROE) | 16.4133% | 491 |
| Retained earnings to average equity (ytd only) | 1.7929% | 3,600 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5244% | 3,083 |
| Assets per employee ($millions) | 7.0527% | 1,958 |
| Cash dividends to net income (ytd only)* | 89.0765% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,101 |
| Loan loss allowance to noncurrent loans | 74.5587% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 313 |
| Noncurrent loans to loans | 1.5423% | 527 |
| Net loans and leases to total assets | 83.3489% | 107 |
| Net loans and leases to deposits | 93.4379% | 385 |
| Net loans and leases to core deposits | 95.7595% | 667 |
| Total domestic deposits to total assets | 89.2024% | 1,980 |
| Equity capital to assets | 8.2855% | 3,335 |
| Core capital (leverage) ratio | 8.4099% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7062% | 2,950 |
| Memoranda: | ||
| Average total assets | $293,336,000 | 2,530 |
| Average earning assets | $276,504,500 | 2,515 |
| Average equity | $24,541,000 | 2,800 |
| Average total loans | $245,640,000 | 1,957 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 996 |
| Cost of funding earning assets | 0.2342% | 3,087 |
| Net interest margin | 3.9645% | 760 |
| Noninterest income to average assets | 0.4915% | 2,614 |
| Noninterest expense to average assets | 2.3810% | 2,544 |
| Loan and lease loss provision to assets | 0.1664% | 701 |
| Net operating income to assets | 1.6815% | 661 |
| Return on assets (ROA) | 1.6815% | 687 |
| Pretax return on assets | 1.6815% | 1,196 |
| Return on Equity (ROE) | 20.3957% | 288 |
| Retained earnings to average equity (ytd only) | 5.6844% | 2,485 |
| Net charge-offs to loans | 0.0041% | 2,455 |
| Credit loss provision to net charge-offs | 4,800.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 533.1000% | 261 |
| Efficiency ratio | 56.3033% | 3,669 |
| Assets per employee ($millions) | 6.9156% | 1,978 |
| Cash dividends to net income (ytd only)* | 72.1295% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,987 |
| Loan loss allowance to noncurrent loans | 74.4759% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 348 |
| Noncurrent loans to loans | 1.5800% | 562 |
| Net loans and leases to total assets | 82.1719% | 173 |
| Net loans and leases to deposits | 93.4383% | 404 |
| Net loans and leases to core deposits | 95.7430% | 702 |
| Total domestic deposits to total assets | 87.9424% | 2,075 |
| Equity capital to assets | 8.4484% | 4,083 |
| Core capital (leverage) ratio | 8.2373% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1309% | 2,860 |
| Memoranda: | ||
| Average total assets | $288,488,200 | 2,491 |
| Average earning assets | $271,963,200 | 2,471 |
| Average equity | $23,784,400 | 2,929 |
| Average total loans | $242,001,600 | 1,983 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 1,224 |
| Cost of funding earning assets | 0.2433% | 3,182 |
| Net interest margin | 3.8937% | 949 |
| Noninterest income to average assets | 0.4843% | 2,696 |
| Noninterest expense to average assets | 2.3666% | 2,543 |
| Loan and lease loss provision to assets | 0.1667% | 651 |
| Net operating income to assets | 1.6190% | 989 |
| Return on assets (ROA) | 1.6190% | 1,032 |
| Pretax return on assets | 1.6190% | 1,643 |
| Return on Equity (ROE) | 19.7601% | 440 |
| Retained earnings to average equity (ytd only) | 4.9104% | 3,250 |
| Net charge-offs to loans | 0.0055% | 2,124 |
| Credit loss provision to net charge-offs | 3,600.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 385.7000% | 361 |
| Efficiency ratio | 56.9963% | 3,414 |
| Assets per employee ($millions) | 7.3878% | 1,630 |
| Cash dividends to net income (ytd only)* | 75.1501% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 3,359 |
| Loan loss allowance to noncurrent loans | 70.6829% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 451 |
| Noncurrent loans to loans | 1.5811% | 651 |
| Net loans and leases to total assets | 79.5152% | 317 |
| Net loans and leases to deposits | 91.5633% | 516 |
| Net loans and leases to core deposits | 94.2403% | 820 |
| Total domestic deposits to total assets | 86.8418% | 2,414 |
| Equity capital to assets | 7.9512% | 4,544 |
| Core capital (leverage) ratio | 7.9981% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9989% | 2,966 |
| Memoranda: | ||
| Average total assets | $287,996,000 | 2,513 |
| Average earning assets | $271,301,750 | 2,499 |
| Average equity | $23,595,750 | 2,972 |
| Average total loans | $242,123,000 | 2,011 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 1,566 |
| Cost of funding earning assets | 0.2588% | 3,197 |
| Net interest margin | 3.7404% | 1,240 |
| Noninterest income to average assets | 0.4911% | 2,659 |
| Noninterest expense to average assets | 2.3524% | 2,613 |
| Loan and lease loss provision to assets | 0.1696% | 685 |
| Net operating income to assets | 1.4825% | 1,346 |
| Return on assets (ROA) | 1.4825% | 1,403 |
| Pretax return on assets | 1.4825% | 2,075 |
| Return on Equity (ROE) | 17.9064% | 668 |
| Retained earnings to average equity (ytd only) | 3.1409% | 3,799 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7436% | 3,183 |
| Assets per employee ($millions) | 7.0909% | 1,733 |
| Cash dividends to net income (ytd only)* | 82.4595% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,616 |
| Loan loss allowance to noncurrent loans | 66.2272% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 464 |
| Noncurrent loans to loans | 1.5877% | 698 |
| Net loans and leases to total assets | 84.5487% | 115 |
| Net loans and leases to deposits | 98.6963% | 290 |
| Net loans and leases to core deposits | 101.5652% | 605 |
| Total domestic deposits to total assets | 85.6655% | 2,851 |
| Equity capital to assets | 8.1180% | 4,472 |
| Core capital (leverage) ratio | 8.1673% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7665% | 3,002 |
| Memoranda: | ||
| Average total assets | $283,028,667 | 2,538 |
| Average earning assets | $265,850,667 | 2,531 |
| Average equity | $23,433,000 | 2,974 |
| Average total loans | $241,640,000 | 2,022 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 1,584 |
| Cost of funding earning assets | 0.2886% | 3,114 |
| Net interest margin | 3.7233% | 1,281 |
| Noninterest income to average assets | 0.4843% | 2,677 |
| Noninterest expense to average assets | 2.3512% | 2,646 |
| Loan and lease loss provision to assets | 0.1719% | 720 |
| Net operating income to assets | 1.4543% | 1,432 |
| Return on assets (ROA) | 1.4543% | 1,503 |
| Pretax return on assets | 1.4543% | 2,125 |
| Return on Equity (ROE) | 17.3883% | 796 |
| Retained earnings to average equity (ytd only) | 3.1179% | 3,744 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1138% | 3,143 |
| Assets per employee ($millions) | 7.1644% | 1,676 |
| Cash dividends to net income (ytd only)* | 82.0690% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,768 |
| Loan loss allowance to noncurrent loans | 63.7666% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 502 |
| Noncurrent loans to loans | 1.5981% | 763 |
| Net loans and leases to total assets | 84.4625% | 132 |
| Net loans and leases to deposits | 98.4311% | 332 |
| Net loans and leases to core deposits | 101.4311% | 651 |
| Total domestic deposits to total assets | 85.8087% | 2,809 |
| Equity capital to assets | 8.1765% | 4,378 |
| Core capital (leverage) ratio | 8.4042% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8027% | 2,959 |
| Memoranda: | ||
| Average total assets | $279,180,000 | 2,547 |
| Average earning assets | $261,917,000 | 2,540 |
| Average equity | $23,349,000 | 2,971 |
| Average total loans | $238,251,500 | 2,044 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 891 |
| Cost of funding earning assets | 0.5951% | 2,349 |
| Net interest margin | 4.1052% | 775 |
| Noninterest income to average assets | 0.4573% | 2,835 |
| Noninterest expense to average assets | 2.4354% | 3,032 |
| Loan and lease loss provision to assets | 0.1760% | 2,187 |
| Net operating income to assets | 1.7130% | 483 |
| Return on assets (ROA) | 1.7130% | 523 |
| Pretax return on assets | 1.7086% | 839 |
| Return on Equity (ROE) | 21.5154% | 173 |
| Retained earnings to average equity (ytd only) | 11.9484% | 317 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3752% | 3,939 |
| Assets per employee ($millions) | 6.7946% | 1,712 |
| Cash dividends to net income (ytd only)* | 44.4659% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,790 |
| Loan loss allowance to noncurrent loans | 60.3255% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 519 |
| Noncurrent loans to loans | 1.6951% | 755 |
| Net loans and leases to total assets | 84.4751% | 152 |
| Net loans and leases to deposits | 99.2731% | 406 |
| Net loans and leases to core deposits | 103.8474% | 732 |
| Total domestic deposits to total assets | 85.0936% | 2,726 |
| Equity capital to assets | 8.5605% | 4,403 |
| Core capital (leverage) ratio | 8.2359% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9906% | 2,922 |
| Memoranda: | ||
| Average total assets | $272,687,200 | 2,446 |
| Average earning assets | $256,575,400 | 2,429 |
| Average equity | $21,710,000 | 3,038 |
| Average total loans | $227,845,800 | 2,049 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,260 |
| Cost of funding earning assets | 0.6610% | 2,260 |
| Net interest margin | 3.9551% | 1,222 |
| Noninterest income to average assets | 0.4553% | 2,822 |
| Noninterest expense to average assets | 2.4281% | 3,059 |
| Loan and lease loss provision to assets | 0.1686% | 2,314 |
| Net operating income to assets | 1.5887% | 751 |
| Return on assets (ROA) | 1.5887% | 822 |
| Pretax return on assets | 1.5829% | 1,229 |
| Return on Equity (ROE) | 20.3362% | 228 |
| Retained earnings to average equity (ytd only) | 10.2369% | 714 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0947% | 3,651 |
| Assets per employee ($millions) | 6.8599% | 1,587 |
| Cash dividends to net income (ytd only)* | 49.6617% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,021 |
| Loan loss allowance to noncurrent loans | 56.3192% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4122% | 634 |
| Noncurrent loans to loans | 1.6262% | 862 |
| Net loans and leases to total assets | 86.0500% | 153 |
| Net loans and leases to deposits | 100.2851% | 528 |
| Net loans and leases to core deposits | 105.0662% | 879 |
| Total domestic deposits to total assets | 85.8054% | 2,148 |
| Equity capital to assets | 7.9377% | 4,736 |
| Core capital (leverage) ratio | 7.6419% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3621% | 3,055 |
| Memoranda: | ||
| Average total assets | $272,913,250 | 2,415 |
| Average earning assets | $256,979,000 | 2,395 |
| Average equity | $21,321,000 | 3,064 |
| Average total loans | $226,817,000 | 2,051 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 2,024 |
| Cost of funding earning assets | 0.7642% | 2,025 |
| Net interest margin | 3.6986% | 2,168 |
| Noninterest income to average assets | 0.4368% | 2,874 |
| Noninterest expense to average assets | 2.4240% | 3,191 |
| Loan and lease loss provision to assets | 0.1555% | 2,444 |
| Net operating income to assets | 1.3490% | 1,222 |
| Return on assets (ROA) | 1.3490% | 1,317 |
| Pretax return on assets | 1.3401% | 1,902 |
| Return on Equity (ROE) | 17.3637% | 417 |
| Retained earnings to average equity (ytd only) | 6.3660% | 1,916 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8436% | 3,151 |
| Assets per employee ($millions) | 7.4385% | 1,207 |
| Cash dividends to net income (ytd only)* | 63.3370% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 4,060 |
| Loan loss allowance to noncurrent loans | 52.8938% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 758 |
| Noncurrent loans to loans | 1.6731% | 866 |
| Net loans and leases to total assets | 79.1240% | 706 |
| Net loans and leases to deposits | 92.9541% | 1,057 |
| Net loans and leases to core deposits | 98.8844% | 1,342 |
| Total domestic deposits to total assets | 85.1216% | 2,344 |
| Equity capital to assets | 7.1826% | 4,941 |
| Core capital (leverage) ratio | 7.5886% | 4,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1375% | 3,147 |
| Memoranda: | ||
| Average total assets | $270,133,000 | 2,413 |
| Average earning assets | $254,368,333 | 2,388 |
| Average equity | $20,986,333 | 3,079 |
| Average total loans | $221,004,000 | 2,074 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,466 |
| Cost of funding earning assets | 0.9653% | 1,582 |
| Net interest margin | 3.8181% | 1,910 |
| Noninterest income to average assets | 0.4227% | 2,950 |
| Noninterest expense to average assets | 2.5707% | 3,074 |
| Loan and lease loss provision to assets | 0.1638% | 1,776 |
| Net operating income to assets | 1.2729% | 1,319 |
| Return on assets (ROA) | 1.2729% | 1,418 |
| Pretax return on assets | 1.2729% | 1,957 |
| Return on Equity (ROE) | 15.6968% | 462 |
| Retained earnings to average equity (ytd only) | 4.5975% | 2,457 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1495% | 3,213 |
| Assets per employee ($millions) | 6.1424% | 1,567 |
| Cash dividends to net income (ytd only)* | 70.7108% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 3,998 |
| Loan loss allowance to noncurrent loans | 47.1102% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 584 |
| Noncurrent loans to loans | 1.9798% | 723 |
| Net loans and leases to total assets | 84.2267% | 251 |
| Net loans and leases to deposits | 99.1980% | 609 |
| Net loans and leases to core deposits | 107.2789% | 977 |
| Total domestic deposits to total assets | 84.9077% | 2,443 |
| Equity capital to assets | 8.3141% | 4,893 |
| Core capital (leverage) ratio | 8.1675% | 4,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3715% | 3,256 |
| Memoranda: | ||
| Average total assets | $256,430,500 | 2,456 |
| Average earning assets | $240,746,500 | 2,442 |
| Average equity | $20,794,000 | 3,093 |
| Average total loans | $212,743,000 | 2,103 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 1,864 |
| Cost of funding earning assets | 1.0571% | 1,492 |
| Net interest margin | 3.8063% | 2,483 |
| Noninterest income to average assets | 0.4945% | 2,770 |
| Noninterest expense to average assets | 2.5369% | 3,353 |
| Loan and lease loss provision to assets | 0.2000% | 1,018 |
| Net operating income to assets | 1.3555% | 1,486 |
| Return on assets (ROA) | 1.3555% | 1,569 |
| Pretax return on assets | 1.3305% | 2,394 |
| Return on Equity (ROE) | 16.3371% | 499 |
| Retained earnings to average equity (ytd only) | 5.3972% | 2,229 |
| Net charge-offs to loans | 0.0798% | 1,964 |
| Credit loss provision to net charge-offs | 305.7325% | 906 |
| Earnings coverage of net charge-offs (x) | 23.4013% | 1,815 |
| Efficiency ratio | 62.3720% | 3,310 |
| Assets per employee ($millions) | 6.3664% | 1,378 |
| Cash dividends to net income (ytd only)* | 66.9637% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 3,983 |
| Loan loss allowance to noncurrent loans | 43.0196% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.6849% | 552 |
| Noncurrent loans to loans | 2.0807% | 607 |
| Net loans and leases to total assets | 80.2543% | 751 |
| Net loans and leases to deposits | 94.4374% | 1,114 |
| Net loans and leases to core deposits | 100.5969% | 1,514 |
| Total domestic deposits to total assets | 84.9815% | 2,502 |
| Equity capital to assets | 7.9111% | 5,069 |
| Core capital (leverage) ratio | 7.9499% | 5,051 |
| Tier 1 risk-based capital ratio | 10.3370% | 5,069 |
| Total risk-based capital ratio | 11.2869% | 5,075 |
| Memoranda: | ||
| Average total assets | $240,053,800 | 2,521 |
| Average earning assets | $225,335,200 | 2,495 |
| Average equity | $19,917,800 | 3,141 |
| Average total loans | $196,786,800 | 2,190 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 1,902 |
| Cost of funding earning assets | 1.0555% | 1,520 |
| Net interest margin | 3.8181% | 2,535 |
| Noninterest income to average assets | 0.5156% | 2,631 |
| Noninterest expense to average assets | 2.5779% | 3,223 |
| Loan and lease loss provision to assets | 0.2044% | 860 |
| Net operating income to assets | 1.3134% | 1,797 |
| Return on assets (ROA) | 1.3134% | 1,875 |
| Pretax return on assets | 1.3134% | 2,621 |
| Return on Equity (ROE) | 15.6269% | 670 |
| Retained earnings to average equity (ytd only) | 3.9320% | 3,433 |
| Net charge-offs to loans | 0.1029% | 1,441 |
| Credit loss provision to net charge-offs | 241.6107% | 1,122 |
| Earnings coverage of net charge-offs (x) | 17.9397% | 2,072 |
| Efficiency ratio | 62.9419% | 3,173 |
| Assets per employee ($millions) | 6.5382% | 1,252 |
| Cash dividends to net income (ytd only)* | 74.8379% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,146 |
| Loan loss allowance to noncurrent loans | 41.3761% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 626 |
| Noncurrent loans to loans | 2.1109% | 626 |
| Net loans and leases to total assets | 77.2463% | 1,274 |
| Net loans and leases to deposits | 88.4946% | 1,867 |
| Net loans and leases to core deposits | 94.7161% | 2,108 |
| Total domestic deposits to total assets | 87.2893% | 1,379 |
| Equity capital to assets | 7.7105% | 5,170 |
| Core capital (leverage) ratio | 8.4411% | 4,970 |
| Tier 1 risk-based capital ratio | 10.5810% | 5,052 |
| Total risk-based capital ratio | 11.5183% | 5,061 |
| Memoranda: | ||
| Average total assets | $234,811,250 | 2,570 |
| Average earning assets | $220,176,250 | 2,557 |
| Average equity | $19,734,750 | 3,175 |
| Average total loans | $193,139,750 | 2,233 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 1,707 |
| Cost of funding earning assets | 1.0684% | 1,422 |
| Net interest margin | 3.8477% | 2,416 |
| Noninterest income to average assets | 0.5418% | 2,428 |
| Noninterest expense to average assets | 2.6507% | 3,058 |
| Loan and lease loss provision to assets | 0.2125% | 790 |
| Net operating income to assets | 1.2846% | 1,834 |
| Return on assets (ROA) | 1.2846% | 1,891 |
| Pretax return on assets | 1.2846% | 2,616 |
| Return on Equity (ROE) | 14.8127% | 804 |
| Retained earnings to average equity (ytd only) | 1.7253% | 4,197 |
| Net charge-offs to loans | 0.1509% | 1,033 |
| Credit loss provision to net charge-offs | 167.8322% | 1,376 |
| Earnings coverage of net charge-offs (x) | 11.8252% | 2,184 |
| Efficiency ratio | 63.9061% | 3,144 |
| Assets per employee ($millions) | 5.9508% | 1,578 |
| Cash dividends to net income (ytd only)* | 88.3529% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 4,187 |
| Loan loss allowance to noncurrent loans | 38.5470% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 500 |
| Noncurrent loans to loans | 2.2653% | 584 |
| Net loans and leases to total assets | 83.6335% | 397 |
| Net loans and leases to deposits | 96.3061% | 1,003 |
| Net loans and leases to core deposits | 103.0795% | 1,461 |
| Total domestic deposits to total assets | 86.8413% | 1,669 |
| Equity capital to assets | 8.7321% | 4,934 |
| Core capital (leverage) ratio | 8.8166% | 4,776 |
| Tier 1 risk-based capital ratio | 10.9604% | 4,929 |
| Total risk-based capital ratio | 11.8882% | 4,971 |
| Memoranda: | ||
| Average total assets | $225,906,000 | 2,644 |
| Average earning assets | $211,713,000 | 2,623 |
| Average equity | $19,591,330 | 3,187 |
| Average total loans | $189,586,330 | 2,264 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 1,773 |
| Cost of funding earning assets | 1.0807% | 1,253 |
| Net interest margin | 3.7683% | 2,639 |
| Noninterest income to average assets | 0.4695% | 2,737 |
| Noninterest expense to average assets | 2.6343% | 3,106 |
| Loan and lease loss provision to assets | 0.2126% | 733 |
| Net operating income to assets | 1.1497% | 2,272 |
| Return on assets (ROA) | 1.1497% | 2,322 |
| Pretax return on assets | 1.1497% | 2,978 |
| Return on Equity (ROE) | 13.3033% | 1,135 |
| Retained earnings to average equity (ytd only) | 0.1640% | 4,491 |
| Net charge-offs to loans | 0.1884% | 739 |
| Credit loss provision to net charge-offs | 134.8315% | 1,329 |
| Earnings coverage of net charge-offs (x) | 8.6404% | 2,075 |
| Efficiency ratio | 65.9131% | 2,948 |
| Assets per employee ($millions) | 6.1705% | 1,419 |
| Cash dividends to net income (ytd only)* | 98.7673% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 4,390 |
| Loan loss allowance to noncurrent loans | 35.2501% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.9881% | 497 |
| Noncurrent loans to loans | 2.3791% | 562 |
| Net loans and leases to total assets | 82.8623% | 486 |
| Net loans and leases to deposits | 94.6374% | 1,095 |
| Net loans and leases to core deposits | 103.4527% | 1,353 |
| Total domestic deposits to total assets | 87.5577% | 1,544 |
| Equity capital to assets | 8.5585% | 4,956 |
| Core capital (leverage) ratio | 8.6545% | 4,910 |
| Tier 1 risk-based capital ratio | 10.9106% | 5,017 |
| Total risk-based capital ratio | 11.8054% | 5,063 |
| Memoranda: | ||
| Average total assets | $225,793,000 | 2,671 |
| Average earning assets | $211,343,500 | 2,656 |
| Average equity | $19,514,000 | 3,199 |
| Average total loans | $188,985,500 | 2,293 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 1,574 |
| Cost of funding earning assets | 0.8721% | 1,206 |
| Net interest margin | 3.9150% | 2,284 |
| Noninterest income to average assets | 0.7827% | 1,512 |
| Noninterest expense to average assets | 2.7067% | 3,004 |
| Loan and lease loss provision to assets | 0.1524% | 1,391 |
| Net operating income to assets | 1.5838% | 914 |
| Return on assets (ROA) | 1.5838% | 904 |
| Pretax return on assets | 1.5842% | 1,516 |
| Return on Equity (ROE) | 18.5588% | 340 |
| Retained earnings to average equity (ytd only) | 6.3719% | 1,990 |
| Net charge-offs to loans | 0.3959% | 471 |
| Credit loss provision to net charge-offs | 45.0331% | 3,237 |
| Earnings coverage of net charge-offs (x) | 5.1311% | 3,219 |
| Efficiency ratio | 60.9161% | 3,708 |
| Assets per employee ($millions) | 5.5819% | 1,883 |
| Cash dividends to net income (ytd only)* | 65.6666% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,403 |
| Loan loss allowance to noncurrent loans | 30.4956% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.3043% | 358 |
| Noncurrent loans to loans | 2.7486% | 405 |
| Net loans and leases to total assets | 83.1343% | 503 |
| Net loans and leases to deposits | 96.4620% | 1,029 |
| Net loans and leases to core deposits | 107.7727% | 1,134 |
| Total domestic deposits to total assets | 86.1835% | 2,138 |
| Equity capital to assets | 8.7282% | 4,782 |
| Core capital (leverage) ratio | 8.6263% | 4,939 |
| Tier 1 risk-based capital ratio | 11.0572% | 4,950 |
| Total risk-based capital ratio | 11.9462% | 5,004 |
| Memoranda: | ||
| Average total assets | $223,074,400 | 2,673 |
| Average earning assets | $208,582,600 | 2,647 |
| Average equity | $19,036,800 | 3,180 |
| Average total loans | $190,704,800 | 2,241 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 1,489 |
| Cost of funding earning assets | 0.8044% | 1,313 |
| Net interest margin | 3.9676% | 2,060 |
| Noninterest income to average assets | 0.8782% | 1,255 |
| Noninterest expense to average assets | 2.6735% | 3,053 |
| Loan and lease loss provision to assets | 0.1315% | 1,531 |
| Net operating income to assets | 1.7821% | 618 |
| Return on assets (ROA) | 1.7821% | 623 |
| Pretax return on assets | 1.7827% | 1,053 |
| Return on Equity (ROE) | 21.0028% | 211 |
| Retained earnings to average equity (ytd only) | 8.0883% | 1,604 |
| Net charge-offs to loans | 0.4718% | 334 |
| Credit loss provision to net charge-offs | 32.4484% | 2,956 |
| Earnings coverage of net charge-offs (x) | 4.7227% | 3,027 |
| Efficiency ratio | 58.2747% | 4,076 |
| Assets per employee ($millions) | 5.5873% | 1,837 |
| Cash dividends to net income (ytd only)* | 61.4894% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 4,656 |
| Loan loss allowance to noncurrent loans | 39.5747% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.7253% | 698 |
| Noncurrent loans to loans | 1.9962% | 733 |
| Net loans and leases to total assets | 85.7468% | 290 |
| Net loans and leases to deposits | 102.4222% | 622 |
| Net loans and leases to core deposits | 114.0886% | 811 |
| Total domestic deposits to total assets | 83.7190% | 3,042 |
| Equity capital to assets | 8.6777% | 4,814 |
| Core capital (leverage) ratio | 8.7523% | 4,921 |
| Tier 1 risk-based capital ratio | 10.7045% | 5,170 |
| Total risk-based capital ratio | 11.5444% | 5,222 |
| Memoranda: | ||
| Average total assets | $223,024,000 | 2,686 |
| Average earning assets | $208,518,500 | 2,663 |
| Average equity | $18,924,000 | 3,212 |
| Average total loans | $191,584,000 | 2,244 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 1,373 |
| Cost of funding earning assets | 0.7452% | 1,390 |
| Net interest margin | 4.0085% | 1,830 |
| Noninterest income to average assets | 1.0060% | 946 |
| Noninterest expense to average assets | 2.6922% | 3,041 |
| Loan and lease loss provision to assets | 0.1077% | 1,825 |
| Net operating income to assets | 1.9509% | 420 |
| Return on assets (ROA) | 1.9509% | 417 |
| Pretax return on assets | 1.9518% | 680 |
| Return on Equity (ROE) | 23.1679% | 122 |
| Retained earnings to average equity (ytd only) | 8.8238% | 1,270 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6572% | 4,394 |
| Assets per employee ($millions) | 5.5602% | 1,834 |
| Cash dividends to net income (ytd only)* | 61.9135% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,265 |
| Loan loss allowance to noncurrent loans | 48.8734% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.9356% | 567 |
| Noncurrent loans to loans | 2.2502% | 610 |
| Net loans and leases to total assets | 85.0734% | 348 |
| Net loans and leases to deposits | 100.8894% | 748 |
| Net loans and leases to core deposits | 110.6911% | 957 |
| Total domestic deposits to total assets | 84.3235% | 2,950 |
| Equity capital to assets | 8.5720% | 4,890 |
| Core capital (leverage) ratio | 8.6601% | 4,986 |
| Tier 1 risk-based capital ratio | 10.5416% | 5,254 |
| Total risk-based capital ratio | 11.7011% | 5,190 |
| Memoranda: | ||
| Average total assets | $222,867,670 | 2,700 |
| Average earning assets | $208,257,000 | 2,680 |
| Average equity | $18,767,330 | 3,245 |
| Average total loans | $191,057,330 | 2,254 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 1,038 |
| Cost of funding earning assets | 0.7120% | 1,381 |
| Net interest margin | 4.1063% | 1,420 |
| Noninterest income to average assets | 1.4164% | 471 |
| Noninterest expense to average assets | 2.6536% | 3,183 |
| Loan and lease loss provision to assets | 0.1076% | 1,734 |
| Net operating income to assets | 2.4814% | 148 |
| Return on assets (ROA) | 2.4814% | 152 |
| Pretax return on assets | 2.4814% | 222 |
| Return on Equity (ROE) | 29.7339% | 46 |
| Retained earnings to average equity (ytd only) | 15.9626% | 251 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6156% | 5,052 |
| Assets per employee ($millions) | 5.5319% | 1,911 |
| Cash dividends to net income (ytd only)* | 46.3150% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,519 |
| Loan loss allowance to noncurrent loans | 47.4136% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.9483% | 594 |
| Noncurrent loans to loans | 2.2707% | 643 |
| Net loans and leases to total assets | 84.8767% | 350 |
| Net loans and leases to deposits | 99.5959% | 740 |
| Net loans and leases to core deposits | 108.3165% | 1,102 |
| Total domestic deposits to total assets | 85.2210% | 2,851 |
| Equity capital to assets | 8.5785% | 4,918 |
| Core capital (leverage) ratio | 8.5854% | 5,078 |
| Tier 1 risk-based capital ratio | 10.6677% | 5,294 |
| Total risk-based capital ratio | 11.8128% | 5,240 |
| Memoranda: | ||
| Average total assets | $223,097,000 | 2,725 |
| Average earning assets | $207,878,000 | 2,714 |
| Average equity | $18,618,500 | 3,293 |
| Average total loans | $190,928,500 | 2,262 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 1,834 |
| Cost of funding earning assets | 0.5552% | 1,908 |
| Net interest margin | 3.9086% | 2,064 |
| Noninterest income to average assets | 0.7732% | 1,678 |
| Noninterest expense to average assets | 2.7019% | 3,119 |
| Loan and lease loss provision to assets | 0.1132% | 2,009 |
| Net operating income to assets | 1.5503% | 724 |
| Return on assets (ROA) | 1.5503% | 737 |
| Pretax return on assets | 1.5687% | 1,389 |
| Return on Equity (ROE) | 18.8545% | 252 |
| Retained earnings to average equity (ytd only) | 7.9698% | 777 |
| Net charge-offs to loans | 0.0034% | 3,988 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 594.1667% | 148 |
| Efficiency ratio | 61.6337% | 3,995 |
| Assets per employee ($millions) | 5.7672% | 1,689 |
| Cash dividends to net income (ytd only)* | 57.7298% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,718 |
| Loan loss allowance to noncurrent loans | 448.8688% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 3,809 |
| Noncurrent loans to loans | 0.2302% | 3,984 |
| Net loans and leases to total assets | 84.4829% | 396 |
| Net loans and leases to deposits | 101.6786% | 622 |
| Net loans and leases to core deposits | 111.0670% | 945 |
| Total domestic deposits to total assets | 83.0882% | 3,532 |
| Equity capital to assets | 8.1162% | 5,344 |
| Core capital (leverage) ratio | 8.4872% | 5,147 |
| Tier 1 risk-based capital ratio | 10.3445% | 5,433 |
| Total risk-based capital ratio | 11.4659% | 5,393 |
| Memoranda: | ||
| Average total assets | $211,964,400 | 2,801 |
| Average earning assets | $195,801,000 | 2,808 |
| Average equity | $17,428,200 | 3,442 |
| Average total loans | $178,695,600 | 2,340 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 1,880 |
| Cost of funding earning assets | 0.5247% | 2,075 |
| Net interest margin | 3.8999% | 2,045 |
| Noninterest income to average assets | 0.7059% | 1,969 |
| Noninterest expense to average assets | 2.6963% | 3,079 |
| Loan and lease loss provision to assets | 0.1150% | 1,879 |
| Net operating income to assets | 1.4749% | 944 |
| Return on assets (ROA) | 1.4749% | 966 |
| Pretax return on assets | 1.4935% | 1,792 |
| Return on Equity (ROE) | 17.8764% | 343 |
| Retained earnings to average equity (ytd only) | 6.4647% | 1,979 |
| Net charge-offs to loans | 0.0228% | 3,005 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 83.9313% | 787 |
| Efficiency ratio | 62.6354% | 3,787 |
| Assets per employee ($millions) | 6.1460% | 1,404 |
| Cash dividends to net income (ytd only)* | 63.8370% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,772 |
| Loan loss allowance to noncurrent loans | 309.9511% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 1,225 |
| Noncurrent loans to loans | 0.3397% | 3,732 |
| Net loans and leases to total assets | 82.9998% | 544 |
| Net loans and leases to deposits | 96.6513% | 1,051 |
| Net loans and leases to core deposits | 104.8767% | 1,339 |
| Total domestic deposits to total assets | 85.8755% | 2,360 |
| Equity capital to assets | 8.2423% | 5,424 |
| Core capital (leverage) ratio | 8.4957% | 5,252 |
| Tier 1 risk-based capital ratio | 10.6580% | 5,389 |
| Total risk-based capital ratio | 11.7991% | 5,365 |
| Memoranda: | ||
| Average total assets | $208,725,500 | 2,855 |
| Average earning assets | $192,614,250 | 2,865 |
| Average equity | $17,221,500 | 3,500 |
| Average total loans | $175,368,750 | 2,384 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 1,940 |
| Cost of funding earning assets | 0.4974% | 2,176 |
| Net interest margin | 3.8636% | 2,048 |
| Noninterest income to average assets | 0.6815% | 2,078 |
| Noninterest expense to average assets | 2.6496% | 3,269 |
| Loan and lease loss provision to assets | 0.1162% | 1,769 |
| Net operating income to assets | 1.4608% | 933 |
| Return on assets (ROA) | 1.4608% | 958 |
| Pretax return on assets | 1.4802% | 1,717 |
| Return on Equity (ROE) | 17.6988% | 355 |
| Retained earnings to average equity (ytd only) | 4.1637% | 3,229 |
| Net charge-offs to loans | 0.0219% | 2,787 |
| Credit loss provision to net charge-offs | 631.5789% | 540 |
| Earnings coverage of net charge-offs (x) | 86.7895% | 722 |
| Efficiency ratio | 62.4031% | 3,921 |
| Assets per employee ($millions) | 6.1234% | 1,374 |
| Cash dividends to net income (ytd only)* | 76.4745% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,880 |
| Loan loss allowance to noncurrent loans | 62.2813% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.5250% | 426 |
| Noncurrent loans to loans | 1.6773% | 1,087 |
| Net loans and leases to total assets | 84.2173% | 420 |
| Net loans and leases to deposits | 97.9148% | 901 |
| Net loans and leases to core deposits | 104.5078% | 1,322 |
| Total domestic deposits to total assets | 86.0108% | 2,372 |
| Equity capital to assets | 8.2850% | 5,413 |
| Core capital (leverage) ratio | 8.2162% | 5,419 |
| Tier 1 risk-based capital ratio | 10.5515% | 5,438 |
| Total risk-based capital ratio | 11.6826% | 5,413 |
| Memoranda: | ||
| Average total assets | $206,597,670 | 2,887 |
| Average earning assets | $190,598,000 | 2,906 |
| Average equity | $17,052,000 | 3,529 |
| Average total loans | $173,678,330 | 2,409 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,072 |
| Cost of funding earning assets | 0.4933% | 2,147 |
| Net interest margin | 3.7659% | 2,240 |
| Noninterest income to average assets | 0.6511% | 2,171 |
| Noninterest expense to average assets | 2.6356% | 3,358 |
| Loan and lease loss provision to assets | 0.1166% | 1,646 |
| Net operating income to assets | 1.3664% | 1,071 |
| Return on assets (ROA) | 1.3664% | 1,106 |
| Pretax return on assets | 1.3858% | 1,933 |
| Return on Equity (ROE) | 16.5865% | 453 |
| Retained earnings to average equity (ytd only) | 2.9728% | 3,922 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6919% | 3,890 |
| Assets per employee ($millions) | 6.4582% | 1,208 |
| Cash dividends to net income (ytd only)* | 82.0768% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,999 |
| Loan loss allowance to noncurrent loans | 229.9873% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.4508% | 1,133 |
| Noncurrent loans to loans | 0.4547% | 3,468 |
| Net loans and leases to total assets | 80.3637% | 789 |
| Net loans and leases to deposits | 91.0721% | 1,420 |
| Net loans and leases to core deposits | 97.0264% | 1,744 |
| Total domestic deposits to total assets | 88.2419% | 1,563 |
| Equity capital to assets | 7.9861% | 5,526 |
| Core capital (leverage) ratio | 8.3249% | 5,365 |
| Tier 1 risk-based capital ratio | 10.8787% | 5,373 |
| Total risk-based capital ratio | 12.0344% | 5,339 |
| Memoranda: | ||
| Average total assets | $205,798,500 | 2,928 |
| Average earning assets | $190,552,000 | 2,925 |
| Average equity | $16,953,500 | 3,555 |
| Average total loans | $171,923,500 | 2,442 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 1,888 |
| Cost of funding earning assets | 0.5021% | 2,075 |
| Net interest margin | 3.8753% | 2,046 |
| Noninterest income to average assets | 0.5462% | 2,936 |
| Noninterest expense to average assets | 2.5790% | 3,743 |
| Loan and lease loss provision to assets | 0.1239% | 2,000 |
| Net operating income to assets | 1.3892% | 1,030 |
| Return on assets (ROA) | 1.3892% | 1,066 |
| Pretax return on assets | 1.4093% | 1,908 |
| Return on Equity (ROE) | 16.6232% | 444 |
| Retained earnings to average equity (ytd only) | 10.6744% | 339 |
| Net charge-offs to loans | 0.1134% | 2,126 |
| Credit loss provision to net charge-offs | 127.6596% | 2,098 |
| Earnings coverage of net charge-offs (x) | 15.7979% | 2,174 |
| Efficiency ratio | 62.7165% | 4,148 |
| Assets per employee ($millions) | 6.4025% | 1,201 |
| Cash dividends to net income (ytd only)* | 35.7860% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 4,169 |
| Loan loss allowance to noncurrent loans | 248.2270% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 1,086 |
| Noncurrent loans to loans | 0.4128% | 3,666 |
| Net loans and leases to total assets | 85.1564% | 289 |
| Net loans and leases to deposits | 97.9627% | 826 |
| Net loans and leases to core deposits | 105.1716% | 1,185 |
| Total domestic deposits to total assets | 86.9274% | 2,191 |
| Equity capital to assets | 8.5083% | 5,267 |
| Core capital (leverage) ratio | 8.6424% | 5,129 |
| Tier 1 risk-based capital ratio | 10.9543% | 5,364 |
| Total risk-based capital ratio | 12.0879% | 5,311 |
| Memoranda: | ||
| Average total assets | $193,715,000 | 3,027 |
| Average earning assets | $178,258,000 | 3,031 |
| Average equity | $16,188,200 | 3,667 |
| Average total loans | $165,754,400 | 2,457 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 1,879 |
| Cost of funding earning assets | 0.5012% | 2,093 |
| Net interest margin | 3.8921% | 1,999 |
| Noninterest income to average assets | 0.6344% | 2,498 |
| Noninterest expense to average assets | 2.6219% | 3,592 |
| Loan and lease loss provision to assets | 0.1247% | 1,870 |
| Net operating income to assets | 1.4439% | 983 |
| Return on assets (ROA) | 1.4439% | 1,032 |
| Pretax return on assets | 1.4640% | 1,838 |
| Return on Equity (ROE) | 17.3599% | 408 |
| Retained earnings to average equity (ytd only) | 12.0146% | 303 |
| Net charge-offs to loans | 0.0535% | 2,599 |
| Credit loss provision to net charge-offs | 272.7273% | 1,125 |
| Earnings coverage of net charge-offs (x) | 34.7567% | 1,351 |
| Efficiency ratio | 62.2697% | 4,176 |
| Assets per employee ($millions) | 6.5023% | 1,103 |
| Cash dividends to net income (ytd only)* | 30.7914% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 3,982 |
| Loan loss allowance to noncurrent loans | 217.2662% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8142% | 902 |
| Noncurrent loans to loans | 0.4950% | 3,515 |
| Net loans and leases to total assets | 85.4353% | 293 |
| Net loans and leases to deposits | 96.8244% | 969 |
| Net loans and leases to core deposits | 105.2719% | 1,254 |
| Total domestic deposits to total assets | 88.2374% | 1,274 |
| Equity capital to assets | 8.5237% | 5,515 |
| Core capital (leverage) ratio | 8.4437% | 5,404 |
| Tier 1 risk-based capital ratio | 10.9514% | 5,393 |
| Total risk-based capital ratio | 12.1450% | 5,339 |
| Memoranda: | ||
| Average total assets | $192,524,750 | 3,045 |
| Average earning assets | $176,899,250 | 3,054 |
| Average equity | $16,013,500 | 3,719 |
| Average total loans | $164,501,750 | 2,473 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 1,912 |
| Cost of funding earning assets | 0.4957% | 2,137 |
| Net interest margin | 3.8760% | 2,059 |
| Noninterest income to average assets | 0.6845% | 2,214 |
| Noninterest expense to average assets | 2.6127% | 3,679 |
| Loan and lease loss provision to assets | 0.1252% | 1,822 |
| Net operating income to assets | 1.4911% | 909 |
| Return on assets (ROA) | 1.4911% | 950 |
| Pretax return on assets | 1.5119% | 1,635 |
| Return on Equity (ROE) | 18.0783% | 350 |
| Retained earnings to average equity (ytd only) | 14.0173% | 186 |
| Net charge-offs to loans | 0.0270% | 2,936 |
| Credit loss provision to net charge-offs | 545.4545% | 614 |
| Earnings coverage of net charge-offs (x) | 71.3182% | 764 |
| Efficiency ratio | 61.4780% | 4,433 |
| Assets per employee ($millions) | 6.5263% | 1,071 |
| Cash dividends to net income (ytd only)* | 22.4633% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,950 |
| Loan loss allowance to noncurrent loans | 213.5553% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.7601% | 994 |
| Noncurrent loans to loans | 0.5144% | 3,538 |
| Net loans and leases to total assets | 82.5934% | 562 |
| Net loans and leases to deposits | 93.4232% | 1,352 |
| Net loans and leases to core deposits | 100.2306% | 1,619 |
| Total domestic deposits to total assets | 88.4079% | 1,221 |
| Equity capital to assets | 8.3223% | 5,685 |
| Core capital (leverage) ratio | 8.3445% | 5,496 |
| Tier 1 risk-based capital ratio | 11.1342% | 5,342 |
| Total risk-based capital ratio | 12.3618% | 5,276 |
| Memoranda: | ||
| Average total assets | $191,677,000 | 3,071 |
| Average earning assets | $176,315,330 | 3,078 |
| Average equity | $15,809,000 | 3,761 |
| Average total loans | $163,179,330 | 2,494 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 1,921 |
| Cost of funding earning assets | 0.4890% | 2,187 |
| Net interest margin | 3.8730% | 2,020 |
| Noninterest income to average assets | 0.9092% | 1,292 |
| Noninterest expense to average assets | 2.6685% | 3,526 |
| Loan and lease loss provision to assets | 0.1266% | 1,676 |
| Net operating income to assets | 1.6686% | 616 |
| Return on assets (ROA) | 1.6686% | 652 |
| Pretax return on assets | 1.6897% | 1,091 |
| Return on Equity (ROE) | 20.3257% | 223 |
| Retained earnings to average equity (ytd only) | 20.3257% | 86 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5014% | 4,811 |
| Assets per employee ($millions) | 6.5525% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 4,149 |
| Loan loss allowance to noncurrent loans | 133.9939% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7891% | 1,044 |
| Noncurrent loans to loans | 0.8078% | 2,821 |
| Net loans and leases to total assets | 81.7261% | 595 |
| Net loans and leases to deposits | 92.1117% | 1,337 |
| Net loans and leases to core deposits | 99.9813% | 1,484 |
| Total domestic deposits to total assets | 88.7249% | 1,237 |
| Equity capital to assets | 8.1231% | 5,776 |
| Core capital (leverage) ratio | 8.4637% | 5,422 |
| Tier 1 risk-based capital ratio | 11.0085% | 5,495 |
| Total risk-based capital ratio | 12.2201% | 5,429 |
| Memoranda: | ||
| Average total assets | $189,621,500 | 3,096 |
| Average earning assets | $175,060,000 | 3,100 |
| Average equity | $15,566,500 | 3,802 |
| Average total loans | $163,017,000 | 2,494 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 1,925 |
| Cost of funding earning assets | 0.4634% | 2,505 |
| Net interest margin | 3.9286% | 1,935 |
| Noninterest income to average assets | 0.5917% | 2,762 |
| Noninterest expense to average assets | 2.6732% | 3,678 |
| Loan and lease loss provision to assets | 0.1347% | 1,775 |
| Net operating income to assets | 0.5844% | 4,358 |
| Return on assets (ROA) | 0.5844% | 4,452 |
| Pretax return on assets | 1.3720% | 2,015 |
| Return on Equity (ROE) | 7.0271% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.0271% | 1,268 |
| Net charge-offs to loans | 0.1539% | 1,834 |
| Credit loss provision to net charge-offs | 101.2658% | 2,472 |
| Earnings coverage of net charge-offs (x) | 11.3249% | 2,595 |
| Efficiency ratio | 63.9538% | 4,274 |
| Assets per employee ($millions) | 6.2989% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,395 |
| Loan loss allowance to noncurrent loans | 120.2550% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 899 |
| Noncurrent loans to loans | 0.8630% | 2,626 |
| Net loans and leases to total assets | 88.6444% | 106 |
| Net loans and leases to deposits | 102.2131% | 533 |
| Net loans and leases to core deposits | 111.9047% | 780 |
| Total domestic deposits to total assets | 86.7251% | 2,259 |
| Equity capital to assets | 8.3019% | 5,700 |
| Core capital (leverage) ratio | 8.2419% | 5,653 |
| Tier 1 risk-based capital ratio | 10.5299% | 5,762 |
| Total risk-based capital ratio | 11.7076% | 5,711 |
| Memoranda: | ||
| Average total assets | $178,138,200 | 3,198 |
| Average earning assets | $162,705,600 | 3,217 |
| Average equity | $14,814,000 | 3,863 |
| Average total loans | $153,982,200 | 2,544 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 2,030 |
| Cost of funding earning assets | 0.4635% | 2,545 |
| Net interest margin | 3.9015% | 2,027 |
| Noninterest income to average assets | 0.5642% | 2,957 |
| Noninterest expense to average assets | 2.6032% | 3,871 |
| Loan and lease loss provision to assets | 0.1356% | 1,652 |
| Net operating income to assets | 0.8753% | 3,061 |
| Return on assets (ROA) | 0.8753% | 3,147 |
| Pretax return on assets | 1.3762% | 2,116 |
| Return on Equity (ROE) | 10.5206% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.5206% | 547 |
| Net charge-offs to loans | 0.1337% | 1,799 |
| Credit loss provision to net charge-offs | 118.4211% | 2,009 |
| Earnings coverage of net charge-offs (x) | 13.2040% | 2,344 |
| Efficiency ratio | 63.2619% | 4,372 |
| Assets per employee ($millions) | 6.2014% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 4,246 |
| Loan loss allowance to noncurrent loans | 118.3379% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 2.0412% | 993 |
| Noncurrent loans to loans | 0.9264% | 2,657 |
| Net loans and leases to total assets | 86.4375% | 208 |
| Net loans and leases to deposits | 98.9038% | 738 |
| Net loans and leases to core deposits | 111.7139% | 779 |
| Total domestic deposits to total assets | 87.3956% | 1,847 |
| Equity capital to assets | 8.5080% | 5,705 |
| Core capital (leverage) ratio | 8.4562% | 5,585 |
| Tier 1 risk-based capital ratio | 10.8887% | 5,714 |
| Total risk-based capital ratio | 12.1146% | 5,651 |
| Memoranda: | ||
| Average total assets | $177,005,750 | 3,235 |
| Average earning assets | $161,095,250 | 3,268 |
| Average equity | $14,726,250 | 3,917 |
| Average total loans | $151,572,000 | 2,587 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 2,047 |
| Cost of funding earning assets | 0.4575% | 2,636 |
| Net interest margin | 3.8821% | 2,044 |
| Noninterest income to average assets | 0.5305% | 3,168 |
| Noninterest expense to average assets | 2.4946% | 4,254 |
| Loan and lease loss provision to assets | 0.1363% | 1,605 |
| Net operating income to assets | 0.9179% | 2,793 |
| Return on assets (ROA) | 0.9179% | 2,920 |
| Pretax return on assets | 1.4370% | 1,844 |
| Return on Equity (ROE) | 11.1182% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.1182% | 490 |
| Net charge-offs to loans | 0.0040% | 3,760 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 461.6667% | 143 |
| Efficiency ratio | 61.3237% | 4,784 |
| Assets per employee ($millions) | 6.1609% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,793 |
| Loan loss allowance to noncurrent loans | 132.6501% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.9987% | 1,102 |
| Noncurrent loans to loans | 0.9040% | 2,862 |
| Net loans and leases to total assets | 83.5609% | 408 |
| Net loans and leases to deposits | 93.4917% | 1,201 |
| Net loans and leases to core deposits | 105.3800% | 1,103 |
| Total domestic deposits to total assets | 89.3779% | 962 |
| Equity capital to assets | 8.3642% | 5,785 |
| Core capital (leverage) ratio | 8.3344% | 5,694 |
| Tier 1 risk-based capital ratio | 10.9597% | 5,735 |
| Total risk-based capital ratio | 12.2103% | 5,645 |
| Memoranda: | ||
| Average total assets | $176,060,330 | 3,268 |
| Average earning assets | $160,427,670 | 3,301 |
| Average equity | $14,534,670 | 3,959 |
| Average total loans | $149,704,670 | 2,622 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,005 |
| Cost of funding earning assets | 0.4467% | 2,803 |
| Net interest margin | 3.8821% | 1,957 |
| Noninterest income to average assets | 0.5493% | 2,948 |
| Noninterest expense to average assets | 2.5292% | 4,174 |
| Loan and lease loss provision to assets | 0.1373% | 1,498 |
| Net operating income to assets | 0.9178% | 2,662 |
| Return on assets (ROA) | 0.9178% | 2,781 |
| Pretax return on assets | 1.4237% | 1,798 |
| Return on Equity (ROE) | 11.1933% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.1933% | 687 |
| Net charge-offs to loans | 0.0081% | 3,056 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 227.3333% | 245 |
| Efficiency ratio | 61.8355% | 4,822 |
| Assets per employee ($millions) | 6.1684% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 4,156 |
| Loan loss allowance to noncurrent loans | 127.0486% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 2.0035% | 1,182 |
| Noncurrent loans to loans | 0.9194% | 2,941 |
| Net loans and leases to total assets | 82.8659% | 386 |
| Net loans and leases to deposits | 92.8231% | 1,103 |
| Net loans and leases to core deposits | 106.4854% | 907 |
| Total domestic deposits to total assets | 89.2729% | 1,103 |
| Equity capital to assets | 8.1277% | 5,975 |
| Core capital (leverage) ratio | 8.3936% | 5,642 |
| Tier 1 risk-based capital ratio | 10.7469% | 5,920 |
| Total risk-based capital ratio | 11.9973% | 5,845 |
| Memoranda: | ||
| Average total assets | $174,757,500 | 3,303 |
| Average earning assets | $159,397,000 | 3,331 |
| Average equity | $14,330,000 | 4,024 |
| Average total loans | $149,003,500 | 2,636 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 2,029 |
| Cost of funding earning assets | 0.4356% | 3,327 |
| Net interest margin | 4.0256% | 1,818 |
| Noninterest income to average assets | 0.5860% | 2,946 |
| Noninterest expense to average assets | 2.5796% | 4,295 |
| Loan and lease loss provision to assets | 0.2755% | 777 |
| Net operating income to assets | 0.8885% | 2,931 |
| Return on assets (ROA) | 0.8885% | 3,012 |
| Pretax return on assets | 1.4225% | 1,805 |
| Return on Equity (ROE) | 10.6081% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.6081% | 431 |
| Net charge-offs to loans | 0.2583% | 1,667 |
| Credit loss provision to net charge-offs | 123.9437% | 1,929 |
| Earnings coverage of net charge-offs (x) | 7.6394% | 3,003 |
| Efficiency ratio | 60.3044% | 5,177 |
| Assets per employee ($millions) | 6.0940% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 4,307 |
| Loan loss allowance to noncurrent loans | 118.1185% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 1,471 |
| Noncurrent loans to loans | 0.9695% | 2,899 |
| Net loans and leases to total assets | 85.7559% | 225 |
| Net loans and leases to deposits | 95.7531% | 919 |
| Net loans and leases to core deposits | 109.7110% | 790 |
| Total domestic deposits to total assets | 89.5594% | 941 |
| Equity capital to assets | 8.2757% | 5,908 |
| Core capital (leverage) ratio | 8.4854% | 5,574 |
| Tier 1 risk-based capital ratio | 11.2251% | 5,805 |
| Total risk-based capital ratio | 12.4761% | 5,729 |
| Memoranda: | ||
| Average total assets | $159,713,800 | 3,494 |
| Average earning assets | $146,462,400 | 3,502 |
| Average equity | $13,376,600 | 4,123 |
| Average total loans | $137,457,000 | 2,745 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,934 |
| Cost of funding earning assets | 0.4309% | 3,455 |
| Net interest margin | 4.0535% | 1,710 |
| Noninterest income to average assets | 0.5045% | 3,520 |
| Noninterest expense to average assets | 2.6805% | 3,897 |
| Loan and lease loss provision to assets | 0.1529% | 1,621 |
| Net operating income to assets | 0.8833% | 3,001 |
| Return on assets (ROA) | 0.8833% | 3,106 |
| Pretax return on assets | 1.3784% | 2,088 |
| Return on Equity (ROE) | 10.5123% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.5123% | 591 |
| Net charge-offs to loans | 0.1315% | 2,479 |
| Credit loss provision to net charge-offs | 135.3383% | 1,723 |
| Earnings coverage of net charge-offs (x) | 13.5563% | 2,218 |
| Efficiency ratio | 63.6419% | 4,609 |
| Assets per employee ($millions) | 5.8283% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 4,425 |
| Loan loss allowance to noncurrent loans | 161.6585% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6073% | 1,888 |
| Noncurrent loans to loans | 0.7196% | 3,811 |
| Net loans and leases to total assets | 86.2739% | 187 |
| Net loans and leases to deposits | 96.0808% | 872 |
| Net loans and leases to core deposits | 110.3108% | 733 |
| Total domestic deposits to total assets | 89.7931% | 824 |
| Equity capital to assets | 8.4189% | 5,865 |
| Core capital (leverage) ratio | 8.6259% | 5,530 |
| Tier 1 risk-based capital ratio | 11.5062% | 5,786 |
| Total risk-based capital ratio | 12.7578% | 5,716 |
| Memoranda: | ||
| Average total assets | $156,984,250 | 3,563 |
| Average earning assets | $143,576,000 | 3,581 |
| Average equity | $13,190,500 | 4,183 |
| Average total loans | $134,815,750 | 2,793 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 1,979 |
| Cost of funding earning assets | 0.4269% | 3,582 |
| Net interest margin | 4.0274% | 1,735 |
| Noninterest income to average assets | 0.4648% | 3,751 |
| Noninterest expense to average assets | 2.7021% | 3,855 |
| Loan and lease loss provision to assets | 0.1549% | 1,593 |
| Net operating income to assets | 0.8276% | 3,189 |
| Return on assets (ROA) | 0.8276% | 3,286 |
| Pretax return on assets | 1.2859% | 2,312 |
| Return on Equity (ROE) | 9.8557% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.8557% | 755 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2228% | 4,483 |
| Assets per employee ($millions) | 5.7973% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 4,100 |
| Loan loss allowance to noncurrent loans | 173.8693% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6566% | 1,965 |
| Noncurrent loans to loans | 0.7237% | 3,890 |
| Net loans and leases to total assets | 86.7319% | 141 |
| Net loans and leases to deposits | 96.4608% | 769 |
| Net loans and leases to core deposits | 111.7322% | 612 |
| Total domestic deposits to total assets | 89.9141% | 852 |
| Equity capital to assets | 8.5213% | 5,780 |
| Core capital (leverage) ratio | 8.6792% | 5,434 |
| Tier 1 risk-based capital ratio | 11.4639% | 5,821 |
| Total risk-based capital ratio | 12.7164% | 5,770 |
| Memoranda: | ||
| Average total assets | $154,914,670 | 3,609 |
| Average earning assets | $141,481,000 | 3,626 |
| Average equity | $13,007,670 | 4,223 |
| Average total loans | $132,271,000 | 2,827 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,072 |
| Cost of funding earning assets | 0.4309% | 3,641 |
| Net interest margin | 3.9864% | 1,813 |
| Noninterest income to average assets | 0.5710% | 2,910 |
| Noninterest expense to average assets | 2.7876% | 3,616 |
| Loan and lease loss provision to assets | 0.1557% | 1,555 |
| Net operating income to assets | 0.8124% | 3,097 |
| Return on assets (ROA) | 0.8124% | 3,165 |
| Pretax return on assets | 1.2537% | 2,269 |
| Return on Equity (ROE) | 9.7489% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.7489% | 1,031 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4193% | 4,458 |
| Assets per employee ($millions) | 5.2923% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 4,227 |
| Loan loss allowance to noncurrent loans | 181.3246% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 2,154 |
| Noncurrent loans to loans | 0.7059% | 4,106 |
| Net loans and leases to total assets | 83.9271% | 241 |
| Net loans and leases to deposits | 93.0337% | 870 |
| Net loans and leases to core deposits | 108.4653% | 651 |
| Total domestic deposits to total assets | 90.2115% | 962 |
| Equity capital to assets | 8.4723% | 5,681 |
| Core capital (leverage) ratio | 8.5174% | 5,617 |
| Tier 1 risk-based capital ratio | 11.6298% | 5,841 |
| Total risk-based capital ratio | 12.8806% | 5,792 |
| Memoranda: | ||
| Average total assets | $154,109,000 | 3,645 |
| Average earning assets | $140,176,000 | 3,662 |
| Average equity | $12,842,500 | 4,264 |
| Average total loans | $129,662,500 | 2,884 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,551 |
| Cost of funding earning assets | 0.5310% | 3,275 |
| Net interest margin | 3.8781% | 2,378 |
| Noninterest income to average assets | 0.4445% | 4,123 |
| Noninterest expense to average assets | 2.6466% | 4,292 |
| Loan and lease loss provision to assets | 0.4921% | 574 |
| Net operating income to assets | 0.5456% | 4,528 |
| Return on assets (ROA) | 0.5456% | 4,656 |
| Pretax return on assets | 0.8524% | 3,953 |
| Return on Equity (ROE) | 6.7690% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.7690% | 1,546 |
| Net charge-offs to loans | 0.3580% | 1,887 |
| Credit loss provision to net charge-offs | 172.5400% | 1,324 |
| Earnings coverage of net charge-offs (x) | 4.7140% | 3,478 |
| Efficiency ratio | 66.3123% | 4,508 |
| Assets per employee ($millions) | 5.5265% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,390 |
| Loan loss allowance to noncurrent loans | 164.7902% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 2,219 |
| Noncurrent loans to loans | 0.7583% | 4,075 |
| Net loans and leases to total assets | 82.2253% | 397 |
| Net loans and leases to deposits | 91.2335% | 1,136 |
| Net loans and leases to core deposits | 104.0521% | 904 |
| Total domestic deposits to total assets | 90.1261% | 1,016 |
| Equity capital to assets | 8.1956% | 5,875 |
| Core capital (leverage) ratio | 8.1313% | 6,029 |
| Tier 1 risk-based capital ratio | 11.5116% | 5,897 |
| Total risk-based capital ratio | 12.7648% | 5,837 |
| Memoranda: | ||
| Average total assets | $153,214,200 | 3,651 |
| Average earning assets | $140,119,000 | 3,662 |
| Average equity | $12,350,400 | 4,385 |
| Average total loans | $122,068,400 | 2,998 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 2,694 |
| Cost of funding earning assets | 0.5493% | 3,268 |
| Net interest margin | 3.8197% | 2,573 |
| Noninterest income to average assets | 0.4240% | 4,336 |
| Noninterest expense to average assets | 2.6556% | 4,179 |
| Loan and lease loss provision to assets | 0.1745% | 2,086 |
| Net operating income to assets | 0.7136% | 3,792 |
| Return on assets (ROA) | 0.7136% | 3,922 |
| Pretax return on assets | 1.0940% | 3,139 |
| Return on Equity (ROE) | 8.8905% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.8905% | 1,091 |
| Net charge-offs to loans | 0.0598% | 4,050 |
| Credit loss provision to net charge-offs | 370.3704% | 709 |
| Earnings coverage of net charge-offs (x) | 26.9253% | 1,330 |
| Efficiency ratio | 67.6745% | 4,154 |
| Assets per employee ($millions) | 5.3903% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,206 |
| Loan loss allowance to noncurrent loans | 105.4985% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 2,140 |
| Noncurrent loans to loans | 1.0718% | 3,655 |
| Net loans and leases to total assets | 80.4925% | 497 |
| Net loans and leases to deposits | 88.0024% | 1,363 |
| Net loans and leases to core deposits | 102.5368% | 955 |
| Total domestic deposits to total assets | 91.4662% | 377 |
| Equity capital to assets | 8.1103% | 6,068 |
| Core capital (leverage) ratio | 8.1383% | 6,119 |
| Tier 1 risk-based capital ratio | 11.8766% | 5,858 |
| Total risk-based capital ratio | 13.1292% | 5,798 |
| Memoranda: | ||
| Average total assets | $152,832,250 | 3,694 |
| Average earning assets | $140,042,750 | 3,698 |
| Average equity | $12,267,500 | 4,443 |
| Average total loans | $120,373,750 | 3,053 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 2,778 |
| Cost of funding earning assets | 0.5808% | 3,123 |
| Net interest margin | 3.7630% | 2,704 |
| Noninterest income to average assets | 0.4022% | 4,511 |
| Noninterest expense to average assets | 2.6281% | 4,288 |
| Loan and lease loss provision to assets | 0.1582% | 2,346 |
| Net operating income to assets | 0.6949% | 3,827 |
| Return on assets (ROA) | 0.6949% | 4,000 |
| Pretax return on assets | 1.0589% | 3,264 |
| Return on Equity (ROE) | 8.6887% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.6887% | 1,228 |
| Net charge-offs to loans | 0.0491% | 3,990 |
| Credit loss provision to net charge-offs | 413.7931% | 642 |
| Earnings coverage of net charge-offs (x) | 31.8276% | 1,102 |
| Efficiency ratio | 68.3471% | 4,117 |
| Assets per employee ($millions) | 5.5689% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,305 |
| Loan loss allowance to noncurrent loans | 101.4663% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.8861% | 2,295 |
| Noncurrent loans to loans | 1.1169% | 3,696 |
| Net loans and leases to total assets | 74.7621% | 1,136 |
| Net loans and leases to deposits | 81.4528% | 2,122 |
| Net loans and leases to core deposits | 94.4876% | 1,481 |
| Total domestic deposits to total assets | 91.7857% | 300 |
| Equity capital to assets | 7.6682% | 6,381 |
| Core capital (leverage) ratio | 8.2281% | 5,982 |
| Tier 1 risk-based capital ratio | 11.9081% | 5,846 |
| Total risk-based capital ratio | 13.1610% | 5,797 |
| Memoranda: | ||
| Average total assets | $151,670,000 | 3,738 |
| Average earning assets | $138,771,670 | 3,743 |
| Average equity | $12,130,670 | 4,503 |
| Average total loans | $118,077,000 | 3,105 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 2,349 |
| Cost of funding earning assets | 0.6451% | 2,706 |
| Net interest margin | 3.8046% | 2,435 |
| Noninterest income to average assets | 0.3952% | 4,499 |
| Noninterest expense to average assets | 2.7474% | 3,886 |
| Loan and lease loss provision to assets | 0.1635% | 2,229 |
| Net operating income to assets | 0.6214% | 4,111 |
| Return on assets (ROA) | 0.6214% | 4,272 |
| Pretax return on assets | 0.9403% | 3,612 |
| Return on Equity (ROE) | 7.5975% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.5975% | 1,899 |
| Net charge-offs to loans | 0.0103% | 3,938 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 289 |
| Efficiency ratio | 71.3376% | 3,746 |
| Assets per employee ($millions) | 5.0408% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 5,422 |
| Loan loss allowance to noncurrent loans | 135.2705% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.7759% | 2,636 |
| Noncurrent loans to loans | 0.8481% | 4,423 |
| Net loans and leases to total assets | 79.5735% | 465 |
| Net loans and leases to deposits | 87.3584% | 1,204 |
| Net loans and leases to core deposits | 99.7197% | 966 |
| Total domestic deposits to total assets | 91.0886% | 491 |
| Equity capital to assets | 8.2889% | 6,193 |
| Core capital (leverage) ratio | 8.3036% | 5,823 |
| Tier 1 risk-based capital ratio | 11.6874% | 6,093 |
| Total risk-based capital ratio | 12.9395% | 6,068 |
| Memoranda: | ||
| Average total assets | $146,755,500 | 3,863 |
| Average earning assets | $133,313,000 | 3,875 |
| Average equity | $12,004,000 | 4,576 |
| Average total loans | $116,053,500 | 3,156 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 1,956 |
| Cost of funding earning assets | 0.8683% | 2,154 |
| Net interest margin | 4.0003% | 2,389 |
| Noninterest income to average assets | 0.6109% | 3,222 |
| Noninterest expense to average assets | 2.6134% | 4,697 |
| Loan and lease loss provision to assets | 0.4986% | 1,199 |
| Net operating income to assets | 0.7315% | 3,599 |
| Return on assets (ROA) | 0.7315% | 3,844 |
| Pretax return on assets | 1.2048% | 2,791 |
| Return on Equity (ROE) | 8.6065% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.6065% | 940 |
| Net charge-offs to loans | 0.7525% | 1,555 |
| Credit loss provision to net charge-offs | 80.7229% | 3,809 |
| Earnings coverage of net charge-offs (x) | 2.7578% | 4,048 |
| Efficiency ratio | 60.5413% | 5,460 |
| Assets per employee ($millions) | 5.4566% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,443 |
| Loan loss allowance to noncurrent loans | 96.0624% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.9983% | 2,452 |
| Noncurrent loans to loans | 1.1762% | 3,887 |
| Net loans and leases to total assets | 76.7953% | 821 |
| Net loans and leases to deposits | 83.9917% | 1,756 |
| Net loans and leases to core deposits | 94.9058% | 1,393 |
| Total domestic deposits to total assets | 91.4320% | 357 |
| Equity capital to assets | 8.0711% | 6,370 |
| Core capital (leverage) ratio | 8.3796% | 5,782 |
| Tier 1 risk-based capital ratio | 11.6862% | 5,965 |
| Total risk-based capital ratio | 12.9377% | 5,931 |
| Memoranda: | ||
| Average total assets | $134,382,400 | 4,053 |
| Average earning assets | $124,490,000 | 4,008 |
| Average equity | $11,421,600 | 4,685 |
| Average total loans | $110,293,200 | 3,293 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 1,768 |
| Cost of funding earning assets | 0.9212% | 2,040 |
| Net interest margin | 4.0511% | 2,288 |
| Noninterest income to average assets | 0.7025% | 2,706 |
| Noninterest expense to average assets | 2.5965% | 4,753 |
| Loan and lease loss provision to assets | 0.4778% | 1,295 |
| Net operating income to assets | 0.9119% | 2,920 |
| Return on assets (ROA) | 0.9119% | 3,151 |
| Pretax return on assets | 1.3928% | 2,260 |
| Return on Equity (ROE) | 10.5798% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.5798% | 769 |
| Net charge-offs to loans | 0.6138% | 1,794 |
| Credit loss provision to net charge-offs | 93.4394% | 3,196 |
| Earnings coverage of net charge-offs (x) | 3.6580% | 3,562 |
| Efficiency ratio | 58.1247% | 5,773 |
| Assets per employee ($millions) | 5.1317% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 4,925 |
| Loan loss allowance to noncurrent loans | 49.9297% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 2.1315% | 2,514 |
| Noncurrent loans to loans | 2.5532% | 2,240 |
| Net loans and leases to total assets | 82.4216% | 311 |
| Net loans and leases to deposits | 91.3935% | 1,023 |
| Net loans and leases to core deposits | 105.0444% | 805 |
| Total domestic deposits to total assets | 90.1832% | 742 |
| Equity capital to assets | 8.8514% | 5,979 |
| Core capital (leverage) ratio | 8.8375% | 5,286 |
| Tier 1 risk-based capital ratio | 11.9137% | 5,985 |
| Total risk-based capital ratio | 13.1656% | 5,972 |
| Memoranda: | ||
| Average total assets | $131,146,000 | 4,152 |
| Average earning assets | $121,872,500 | 4,110 |
| Average equity | $11,304,250 | 4,752 |
| Average total loans | $109,258,000 | 3,335 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 1,707 |
| Cost of funding earning assets | 0.9610% | 1,989 |
| Net interest margin | 4.0696% | 2,211 |
| Noninterest income to average assets | 0.4234% | 4,474 |
| Noninterest expense to average assets | 2.5908% | 4,804 |
| Loan and lease loss provision to assets | 0.4602% | 1,389 |
| Net operating income to assets | 0.7623% | 3,545 |
| Return on assets (ROA) | 0.7623% | 3,812 |
| Pretax return on assets | 1.1658% | 3,057 |
| Return on Equity (ROE) | 8.9263% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.9263% | 1,304 |
| Net charge-offs to loans | 0.5546% | 1,928 |
| Credit loss provision to net charge-offs | 99.6678% | 2,787 |
| Earnings coverage of net charge-offs (x) | 3.5216% | 3,344 |
| Efficiency ratio | 61.4405% | 5,343 |
| Assets per employee ($millions) | 5.2531% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,864 |
| Loan loss allowance to noncurrent loans | 50.6806% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.1816% | 2,561 |
| Noncurrent loans to loans | 2.5774% | 2,333 |
| Net loans and leases to total assets | 83.5373% | 235 |
| Net loans and leases to deposits | 92.4861% | 888 |
| Net loans and leases to core deposits | 107.0114% | 700 |
| Total domestic deposits to total assets | 90.3242% | 747 |
| Equity capital to assets | 8.6860% | 6,040 |
| Core capital (leverage) ratio | 8.7894% | 5,231 |
| Tier 1 risk-based capital ratio | 11.5454% | 6,189 |
| Total risk-based capital ratio | 12.7981% | 6,166 |
| Memoranda: | ||
| Average total assets | $130,386,330 | 4,200 |
| Average earning assets | $121,536,000 | 4,136 |
| Average equity | $11,135,670 | 4,781 |
| Average total loans | $108,547,000 | 3,367 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 2,301 |
| Cost of funding earning assets | 1.0081% | 1,933 |
| Net interest margin | 3.8779% | 3,017 |
| Noninterest income to average assets | 0.5419% | 3,619 |
| Noninterest expense to average assets | 2.5955% | 4,834 |
| Loan and lease loss provision to assets | 0.7389% | 688 |
| Net operating income to assets | 0.5511% | 4,588 |
| Return on assets (ROA) | 0.5511% | 4,804 |
| Pretax return on assets | 0.8436% | 4,253 |
| Return on Equity (ROE) | 6.5091% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.5091% | 2,684 |
| Net charge-offs to loans | 1.1115% | 927 |
| Credit loss provision to net charge-offs | 80.5369% | 2,717 |
| Earnings coverage of net charge-offs (x) | 1.7248% | 3,471 |
| Efficiency ratio | 62.1223% | 5,260 |
| Assets per employee ($millions) | 4.9788% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,990 |
| Loan loss allowance to noncurrent loans | 44.0202% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6636% | 2,215 |
| Noncurrent loans to loans | 2.9686% | 2,175 |
| Net loans and leases to total assets | 81.3859% | 310 |
| Net loans and leases to deposits | 89.9032% | 971 |
| Net loans and leases to core deposits | 105.1920% | 708 |
| Total domestic deposits to total assets | 90.5261% | 790 |
| Equity capital to assets | 8.5670% | 6,022 |
| Core capital (leverage) ratio | 8.3918% | 5,753 |
| Tier 1 risk-based capital ratio | 11.6545% | 6,188 |
| Total risk-based capital ratio | 12.9070% | 6,167 |
| Memoranda: | ||
| Average total assets | $129,916,000 | 4,231 |
| Average earning assets | $121,817,000 | 4,157 |
| Average equity | $11,000,000 | 4,825 |
| Average total loans | $107,241,000 | 3,426 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 1,676 |
| Cost of funding earning assets | 1.3713% | 1,160 |
| Net interest margin | 3.9355% | 3,180 |
| Noninterest income to average assets | 0.2882% | 5,471 |
| Noninterest expense to average assets | 2.6518% | 4,915 |
| Loan and lease loss provision to assets | 0.2456% | 3,754 |
| Net operating income to assets | 0.7123% | 3,429 |
| Return on assets (ROA) | 0.7123% | 3,613 |
| Pretax return on assets | 1.0914% | 2,870 |
| Return on Equity (ROE) | 8.3180% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.3180% | 980 |
| Net charge-offs to loans | 0.1058% | 5,303 |
| Credit loss provision to net charge-offs | 283.0189% | 838 |
| Earnings coverage of net charge-offs (x) | 15.4057% | 1,394 |
| Efficiency ratio | 66.4819% | 4,665 |
| Assets per employee ($millions) | 5.0147% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 4,672 |
| Loan loss allowance to noncurrent loans | 64.8661% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 3,078 |
| Noncurrent loans to loans | 2.0792% | 3,096 |
| Net loans and leases to total assets | 81.5143% | 372 |
| Net loans and leases to deposits | 90.5119% | 1,095 |
| Net loans and leases to core deposits | 106.3747% | 780 |
| Total domestic deposits to total assets | 90.0592% | 967 |
| Equity capital to assets | 8.3677% | 6,285 |
| Core capital (leverage) ratio | 8.5052% | 5,550 |
| Tier 1 risk-based capital ratio | 11.6355% | 6,065 |
| Total risk-based capital ratio | 12.8894% | 6,055 |
| Memoranda: | ||
| Average total assets | $122,141,600 | 4,342 |
| Average earning assets | $114,852,000 | 4,265 |
| Average equity | $10,459,200 | 4,912 |
| Average total loans | $100,200,200 | 3,615 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 1,714 |
| Cost of funding earning assets | 1.4250% | 1,130 |
| Net interest margin | 3.9149% | 3,306 |
| Noninterest income to average assets | 0.2865% | 5,561 |
| Noninterest expense to average assets | 2.6859% | 4,784 |
| Loan and lease loss provision to assets | 0.1999% | 4,022 |
| Net operating income to assets | 0.7117% | 3,549 |
| Return on assets (ROA) | 0.7117% | 3,721 |
| Pretax return on assets | 1.0826% | 3,082 |
| Return on Equity (ROE) | 8.2603% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.2603% | 1,404 |
| Net charge-offs to loans | 0.1465% | 4,603 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 10.6942% | 1,886 |
| Efficiency ratio | 67.6833% | 4,382 |
| Assets per employee ($millions) | 5.1157% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,955 |
| Loan loss allowance to noncurrent loans | 94.7331% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3050% | 4,201 |
| Noncurrent loans to loans | 1.3858% | 4,216 |
| Net loans and leases to total assets | 78.2363% | 687 |
| Net loans and leases to deposits | 86.2086% | 1,662 |
| Net loans and leases to core deposits | 101.6158% | 1,111 |
| Total domestic deposits to total assets | 90.7524% | 533 |
| Equity capital to assets | 8.3531% | 6,440 |
| Core capital (leverage) ratio | 8.6236% | 5,515 |
| Tier 1 risk-based capital ratio | 12.1718% | 5,762 |
| Total risk-based capital ratio | 13.4249% | 5,748 |
| Memoranda: | ||
| Average total assets | $120,081,500 | 4,423 |
| Average earning assets | $112,933,250 | 4,330 |
| Average equity | $10,346,500 | 4,945 |
| Average total loans | $98,317,000 | 3,688 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 1,509 |
| Cost of funding earning assets | 1.4606% | 1,159 |
| Net interest margin | 3.9583% | 3,046 |
| Noninterest income to average assets | 0.2809% | 5,641 |
| Noninterest expense to average assets | 2.7171% | 4,751 |
| Loan and lease loss provision to assets | 0.2043% | 3,883 |
| Net operating income to assets | 0.7116% | 3,486 |
| Return on assets (ROA) | 0.7116% | 3,599 |
| Pretax return on assets | 1.0828% | 2,922 |
| Return on Equity (ROE) | 8.1686% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.1686% | 1,400 |
| Net charge-offs to loans | 0.2241% | 3,777 |
| Credit loss provision to net charge-offs | 110.0917% | 2,789 |
| Earnings coverage of net charge-offs (x) | 6.9358% | 2,305 |
| Efficiency ratio | 67.8571% | 4,539 |
| Assets per employee ($millions) | 5.0162% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 5,164 |
| Loan loss allowance to noncurrent loans | 91.8294% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3490% | 4,206 |
| Noncurrent loans to loans | 1.3908% | 4,322 |
| Net loans and leases to total assets | 81.5438% | 405 |
| Net loans and leases to deposits | 90.5610% | 1,217 |
| Net loans and leases to core deposits | 106.2079% | 922 |
| Total domestic deposits to total assets | 90.0430% | 956 |
| Equity capital to assets | 8.6911% | 5,952 |
| Core capital (leverage) ratio | 8.8119% | 5,025 |
| Tier 1 risk-based capital ratio | 11.8919% | 5,868 |
| Total risk-based capital ratio | 13.1445% | 5,844 |
| Memoranda: | ||
| Average total assets | $117,478,000 | 4,527 |
| Average earning assets | $110,501,000 | 4,431 |
| Average equity | $10,234,330 | 4,986 |
| Average total loans | $97,293,000 | 3,756 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 1,268 |
| Cost of funding earning assets | 1.4810% | 1,252 |
| Net interest margin | 4.0287% | 2,572 |
| Noninterest income to average assets | 0.1862% | 6,391 |
| Noninterest expense to average assets | 2.7581% | 4,613 |
| Loan and lease loss provision to assets | 0.2069% | 3,568 |
| Net operating income to assets | 0.6619% | 3,696 |
| Return on assets (ROA) | 0.6619% | 3,770 |
| Pretax return on assets | 1.0101% | 3,095 |
| Return on Equity (ROE) | 7.5889% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.5889% | 1,898 |
| Net charge-offs to loans | 0.0915% | 4,029 |
| Credit loss provision to net charge-offs | 272.7273% | 1,154 |
| Earnings coverage of net charge-offs (x) | 16.0455% | 1,285 |
| Efficiency ratio | 69.3842% | 4,399 |
| Assets per employee ($millions) | 5.0654% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 5,023 |
| Loan loss allowance to noncurrent loans | 90.0694% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 4,579 |
| Noncurrent loans to loans | 1.4688% | 4,265 |
| Net loans and leases to total assets | 79.5788% | 556 |
| Net loans and leases to deposits | 87.7258% | 1,492 |
| Net loans and leases to core deposits | 102.5580% | 1,157 |
| Total domestic deposits to total assets | 90.7132% | 759 |
| Equity capital to assets | 8.4034% | 6,045 |
| Core capital (leverage) ratio | 8.7393% | 5,022 |
| Tier 1 risk-based capital ratio | 11.5376% | 6,070 |
| Total risk-based capital ratio | 12.7877% | 6,055 |
| Memoranda: | ||
| Average total assets | $116,023,000 | 4,588 |
| Average earning assets | $109,117,500 | 4,495 |
| Average equity | $10,120,000 | 5,018 |
| Average total loans | $96,220,000 | 3,824 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 1,589 |
| Cost of funding earning assets | 1.6047% | 2,048 |
| Net interest margin | 4.0895% | 2,619 |
| Noninterest income to average assets | 0.1871% | 6,418 |
| Noninterest expense to average assets | 2.7937% | 4,629 |
| Loan and lease loss provision to assets | 0.3040% | 4,374 |
| Net operating income to assets | 0.5715% | 3,798 |
| Return on assets (ROA) | 0.5715% | 3,957 |
| Pretax return on assets | 0.8792% | 3,381 |
| Return on Equity (ROE) | 6.3117% | 3,445 |
| Retained earnings to average equity (ytd only) | 6.3117% | 1,657 |
| Net charge-offs to loans | 0.2682% | 4,686 |
| Credit loss provision to net charge-offs | 138.2979% | 2,758 |
| Earnings coverage of net charge-offs (x) | 5.3830% | 2,639 |
| Efficiency ratio | 70.2493% | 4,125 |
| Assets per employee ($millions) | 5.0216% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,833 |
| Loan loss allowance to noncurrent loans | 122.3518% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 5,079 |
| Noncurrent loans to loans | 1.0901% | 4,914 |
| Net loans and leases to total assets | 84.3079% | 276 |
| Net loans and leases to deposits | 93.2799% | 1,119 |
| Net loans and leases to core deposits | 107.1412% | 1,114 |
| Total domestic deposits to total assets | 90.3816% | 896 |
| Equity capital to assets | 9.0735% | 5,035 |
| Core capital (leverage) ratio | 9.0488% | 4,455 |
| Tier 1 risk-based capital ratio | 11.7410% | 5,696 |
| Total risk-based capital ratio | 12.9940% | 5,697 |
| Memoranda: | ||
| Average total assets | $106,920,600 | 4,806 |
| Average earning assets | $99,082,400 | 4,745 |
| Average equity | $9,680,400 | 5,216 |
| Average total loans | $87,631,600 | 4,114 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 1,721 |
| Cost of funding earning assets | 1.6386% | 2,166 |
| Net interest margin | 4.0591% | 2,816 |
| Noninterest income to average assets | 0.1295% | 6,908 |
| Noninterest expense to average assets | 2.7664% | 4,617 |
| Loan and lease loss provision to assets | 0.3458% | 3,845 |
| Net operating income to assets | 0.5068% | 4,282 |
| Return on assets (ROA) | 0.5068% | 4,475 |
| Pretax return on assets | 0.7645% | 4,035 |
| Return on Equity (ROE) | 5.6003% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.6003% | 2,592 |
| Net charge-offs to loans | 0.0776% | 5,745 |
| Credit loss provision to net charge-offs | 550.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 17.6586% | 1,313 |
| Efficiency ratio | 71.3591% | 3,824 |
| Assets per employee ($millions) | 4.8795% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 3,611 |
| Loan loss allowance to noncurrent loans | 103.4892% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 4,346 |
| Noncurrent loans to loans | 1.5280% | 4,346 |
| Net loans and leases to total assets | 80.8186% | 636 |
| Net loans and leases to deposits | 89.8395% | 1,747 |
| Net loans and leases to core deposits | 99.7436% | 1,875 |
| Total domestic deposits to total assets | 89.9589% | 900 |
| Equity capital to assets | 9.1561% | 5,378 |
| Core capital (leverage) ratio | 8.8621% | 4,903 |
| Tier 1 risk-based capital ratio | 11.9879% | 5,478 |
| Total risk-based capital ratio | 13.2437% | 5,437 |
| Memoranda: | ||
| Average total assets | $106,031,750 | 4,886 |
| Average earning assets | $97,883,750 | 4,844 |
| Average equity | $9,594,500 | 5,316 |
| Average total loans | $85,939,750 | 4,226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7028% | 1,752 |
| Cost of funding earning assets | 1.6632% | 2,320 |
| Net interest margin | 4.0396% | 2,839 |
| Noninterest income to average assets | 0.0511% | 7,329 |
| Noninterest expense to average assets | 2.7256% | 4,808 |
| Loan and lease loss provision to assets | 0.4735% | 2,951 |
| Net operating income to assets | 0.3769% | 4,866 |
| Return on assets (ROA) | 0.3769% | 5,029 |
| Pretax return on assets | 0.5644% | 4,688 |
| Return on Equity (ROE) | 4.1823% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.1823% | 3,410 |
| Net charge-offs to loans | 0.0798% | 5,339 |
| Credit loss provision to net charge-offs | 735.2941% | 513 |
| Earnings coverage of net charge-offs (x) | 16.1176% | 1,418 |
| Efficiency ratio | 72.4207% | 3,752 |
| Assets per employee ($millions) | 5.0879% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,388 |
| Loan loss allowance to noncurrent loans | 97.2612% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.5855% | 4,082 |
| Noncurrent loans to loans | 1.6596% | 4,210 |
| Net loans and leases to total assets | 79.0100% | 953 |
| Net loans and leases to deposits | 87.5280% | 2,253 |
| Net loans and leases to core deposits | 98.7750% | 2,143 |
| Total domestic deposits to total assets | 90.2682% | 784 |
| Equity capital to assets | 9.0120% | 5,427 |
| Core capital (leverage) ratio | 8.8038% | 4,906 |
| Tier 1 risk-based capital ratio | 11.7206% | 5,569 |
| Total risk-based capital ratio | 12.9783% | 5,524 |
| Memoranda: | ||
| Average total assets | $105,592,670 | 4,925 |
| Average earning assets | $97,040,330 | 4,903 |
| Average equity | $9,516,330 | 5,335 |
| Average total loans | $85,202,330 | 4,287 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7406% | 1,634 |
| Cost of funding earning assets | 1.6889% | 2,446 |
| Net interest margin | 4.0517% | 2,641 |
| Noninterest income to average assets | 0.2401% | 6,230 |
| Noninterest expense to average assets | 2.7361% | 4,741 |
| Loan and lease loss provision to assets | 0.9146% | 1,391 |
| Net operating income to assets | 0.2020% | 5,680 |
| Return on assets (ROA) | 0.2020% | 5,796 |
| Pretax return on assets | 0.3010% | 5,598 |
| Return on Equity (ROE) | 2.2410% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.2410% | 4,788 |
| Net charge-offs to loans | 0.1602% | 3,964 |
| Credit loss provision to net charge-offs | 705.8824% | 636 |
| Earnings coverage of net charge-offs (x) | 9.3824% | 1,862 |
| Efficiency ratio | 69.2382% | 4,462 |
| Assets per employee ($millions) | 5.3093% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 3,393 |
| Loan loss allowance to noncurrent loans | 81.2648% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 3,322 |
| Noncurrent loans to loans | 1.9820% | 3,812 |
| Net loans and leases to total assets | 79.1016% | 965 |
| Net loans and leases to deposits | 88.5536% | 2,119 |
| Net loans and leases to core deposits | 98.6389% | 2,278 |
| Total domestic deposits to total assets | 89.3262% | 1,347 |
| Equity capital to assets | 8.9316% | 5,378 |
| Core capital (leverage) ratio | 8.6700% | 5,072 |
| Tier 1 risk-based capital ratio | 11.5629% | 5,612 |
| Total risk-based capital ratio | 12.8197% | 5,583 |
| Memoranda: | ||
| Average total assets | $104,966,000 | 5,010 |
| Average earning assets | $96,157,500 | 4,981 |
| Average equity | $9,460,000 | 5,404 |
| Average total loans | $84,901,500 | 4,355 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0805% | 1,571 |
| Cost of funding earning assets | 2.1356% | 2,304 |
| Net interest margin | 3.9449% | 3,102 |
| Noninterest income to average assets | -0.0559% | 7,766 |
| Noninterest expense to average assets | 2.7145% | 5,323 |
| Loan and lease loss provision to assets | 0.2935% | 5,079 |
| Net operating income to assets | 0.4032% | 4,118 |
| Return on assets (ROA) | 0.4032% | 4,223 |
| Pretax return on assets | 0.5474% | 4,056 |
| Return on Equity (ROE) | 4.3183% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.3183% | 2,208 |
| Net charge-offs to loans | 0.0974% | 6,157 |
| Credit loss provision to net charge-offs | 370.5128% | 862 |
| Earnings coverage of net charge-offs (x) | 10.6154% | 1,667 |
| Efficiency ratio | 76.3496% | 3,468 |
| Assets per employee ($millions) | 5.1874% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 4,314 |
| Loan loss allowance to noncurrent loans | 148.9172% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3340% | 4,429 |
| Noncurrent loans to loans | 0.9297% | 5,453 |
| Net loans and leases to total assets | 80.2577% | 946 |
| Net loans and leases to deposits | 89.3133% | 2,337 |
| Net loans and leases to core deposits | 117.4715% | 2,179 |
| Total domestic deposits to total assets | 89.8609% | 1,032 |
| Equity capital to assets | 9.0952% | 4,995 |
| Core capital (leverage) ratio | 8.4964% | 5,284 |
| Tier 1 risk-based capital ratio | 11.4221% | 5,480 |
| Total risk-based capital ratio | 12.6751% | 5,443 |
| Memoranda: | ||
| Average total assets | $98,471,000 | 5,130 |
| Average earning assets | $90,140,600 | 5,115 |
| Average equity | $9,193,400 | 5,549 |
| Average total loans | $80,090,400 | 4,507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0762% | 1,738 |
| Cost of funding earning assets | 2.2173% | 2,323 |
| Net interest margin | 3.8589% | 3,392 |
| Noninterest income to average assets | -0.1702% | 7,964 |
| Noninterest expense to average assets | 2.7009% | 5,325 |
| Loan and lease loss provision to assets | 0.2319% | 5,117 |
| Net operating income to assets | 0.2855% | 4,839 |
| Return on assets (ROA) | 0.2855% | 4,946 |
| Pretax return on assets | 0.4296% | 4,716 |
| Return on Equity (ROE) | 3.0367% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.0367% | 3,628 |
| Net charge-offs to loans | 0.0844% | 5,839 |
| Credit loss provision to net charge-offs | 338.0000% | 1,216 |
| Earnings coverage of net charge-offs (x) | 9.6393% | 2,079 |
| Efficiency ratio | 80.3265% | 2,793 |
| Assets per employee ($millions) | 5.2792% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,612 |
| Loan loss allowance to noncurrent loans | 103.6574% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.3599% | 4,368 |
| Noncurrent loans to loans | 1.2356% | 4,881 |
| Net loans and leases to total assets | 82.7566% | 703 |
| Net loans and leases to deposits | 92.3410% | 2,181 |
| Net loans and leases to core deposits | 128.8960% | 1,508 |
| Total domestic deposits to total assets | 89.6207% | 918 |
| Equity capital to assets | 9.2179% | 5,139 |
| Core capital (leverage) ratio | 8.7245% | 5,089 |
| Tier 1 risk-based capital ratio | 11.3037% | 5,634 |
| Total risk-based capital ratio | 12.5550% | 5,578 |
| Memoranda: | ||
| Average total assets | $97,152,000 | 5,206 |
| Average earning assets | $88,934,500 | 5,199 |
| Average equity | $9,132,750 | 5,621 |
| Average total loans | $79,004,500 | 4,585 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 1,844 |
| Cost of funding earning assets | 2.2983% | 2,360 |
| Net interest margin | 3.7847% | 3,611 |
| Noninterest income to average assets | -0.3954% | 8,109 |
| Noninterest expense to average assets | 2.6222% | 5,647 |
| Loan and lease loss provision to assets | 0.2685% | 4,437 |
| Net operating income to assets | 0.1041% | 5,553 |
| Return on assets (ROA) | 0.1041% | 5,651 |
| Pretax return on assets | 0.1582% | 5,553 |
| Return on Equity (ROE) | 1.0995% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.0995% | 4,720 |
| Net charge-offs to loans | 0.1293% | 4,876 |
| Credit loss provision to net charge-offs | 258.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.1000% | 3,217 |
| Efficiency ratio | 86.0068% | 2,232 |
| Assets per employee ($millions) | 5.5848% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,254 |
| Loan loss allowance to noncurrent loans | 143.0345% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 4,637 |
| Noncurrent loans to loans | 0.9110% | 5,396 |
| Net loans and leases to total assets | 78.1390% | 1,711 |
| Net loans and leases to deposits | 86.7812% | 3,395 |
| Net loans and leases to core deposits | 122.9303% | 2,116 |
| Total domestic deposits to total assets | 90.0414% | 813 |
| Equity capital to assets | 9.0355% | 5,263 |
| Core capital (leverage) ratio | 8.4993% | 5,447 |
| Tier 1 risk-based capital ratio | 10.7493% | 6,135 |
| Total risk-based capital ratio | 12.0009% | 6,072 |
| Memoranda: | ||
| Average total assets | $96,101,000 | 5,279 |
| Average earning assets | $87,457,330 | 5,283 |
| Average equity | $9,095,000 | 5,651 |
| Average total loans | $77,310,670 | 4,681 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1560% | 1,739 |
| Cost of funding earning assets | 2.3851% | 2,354 |
| Net interest margin | 3.7709% | 3,582 |
| Noninterest income to average assets | 0.2812% | 6,181 |
| Noninterest expense to average assets | 2.6755% | 5,119 |
| Loan and lease loss provision to assets | 0.3451% | 3,254 |
| Net operating income to assets | 0.4388% | 4,702 |
| Return on assets (ROA) | 0.4388% | 4,873 |
| Pretax return on assets | 0.6689% | 4,526 |
| Return on Equity (ROE) | 4.5270% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.5270% | 3,413 |
| Net charge-offs to loans | 0.2626% | 3,083 |
| Credit loss provision to net charge-offs | 162.0000% | 2,625 |
| Earnings coverage of net charge-offs (x) | 4.7600% | 2,817 |
| Efficiency ratio | 72.5173% | 4,102 |
| Assets per employee ($millions) | 5.8714% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 4,451 |
| Loan loss allowance to noncurrent loans | 1,978.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 5,129 |
| Noncurrent loans to loans | 0.0631% | 7,349 |
| Net loans and leases to total assets | 78.3826% | 1,723 |
| Net loans and leases to deposits | 87.4419% | 3,394 |
| Net loans and leases to core deposits | 128.9916% | 1,718 |
| Total domestic deposits to total assets | 89.6396% | 955 |
| Equity capital to assets | 9.1601% | 5,134 |
| Core capital (leverage) ratio | 9.2596% | 4,307 |
| Tier 1 risk-based capital ratio | 10.5971% | 6,294 |
| Total risk-based capital ratio | 11.8410% | 6,223 |
| Memoranda: | ||
| Average total assets | $93,888,500 | 5,377 |
| Average earning assets | $84,860,500 | 5,400 |
| Average equity | $9,101,000 | 5,669 |
| Average total loans | $76,172,500 | 4,759 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7046% | 2,009 |
| Cost of funding earning assets | 3.0613% | 1,634 |
| Net interest margin | 3.6433% | 4,706 |
| Noninterest income to average assets | 0.2582% | 6,601 |
| Noninterest expense to average assets | 3.9371% | 1,507 |
| Loan and lease loss provision to assets | 0.5736% | 2,532 |
| Net operating income to assets | -0.8862% | 7,177 |
| Return on assets (ROA) | -0.8862% | 7,095 |
| Pretax return on assets | -1.0286% | 7,013 |
| Return on Equity (ROE) | -7.3421% | 7,074 |
| Retained earnings to average equity (ytd only) | -7.3421% | 6,814 |
| Net charge-offs to loans | 0.1187% | 5,076 |
| Credit loss provision to net charge-offs | 595.6522% | 728 |
| Earnings coverage of net charge-offs (x) | -4.7246% | 6,828 |
| Efficiency ratio | 113.0661% | 648 |
| Assets per employee ($millions) | 4.8869% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 3,707 |
| Loan loss allowance to noncurrent loans | 1,916.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 4,501 |
| Noncurrent loans to loans | 0.0684% | 7,228 |
| Net loans and leases to total assets | 82.0358% | 1,225 |
| Net loans and leases to deposits | 93.6063% | 2,834 |
| Net loans and leases to core deposits | 132.0874% | 1,717 |
| Total domestic deposits to total assets | 87.6393% | 1,646 |
| Equity capital to assets | 10.2985% | 3,712 |
| Core capital (leverage) ratio | 10.4090% | 3,062 |
| Tier 1 risk-based capital ratio | 11.1597% | 5,587 |
| Total risk-based capital ratio | 12.4122% | 5,466 |
| Memoranda: | ||
| Average total assets | $71,651,600 | 5,981 |
| Average earning assets | $63,404,600 | 6,039 |
| Average equity | $8,648,800 | 5,860 |
| Average total loans | $58,116,200 | 5,360 |