Home > FNB Bank, Inc. > Performance and Condition Ratios
FNB Bank, Inc., 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 | 4.7105% | 2,656 |
| Cost of funding earning assets | 1.5237% | 1,881 |
| Net interest margin | 3.1868% | 2,909 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.7309% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6516% | 3,309 |
| Return on assets (ROA) | 0.6516% | 3,287 |
| Pretax return on assets | 0.7687% | 3,289 |
| Return on Equity (ROE) | 8.2800% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.4824% | 2,799 |
| Net charge-offs to loans | 0.0331% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 30.4545% | 1,627 |
| Efficiency ratio | 78.0352% | 1,068 |
| Assets per employee ($millions) | 4.0350% | 4,152 |
| Cash dividends to net income (ytd only)* | 45.8920% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,733 |
| Loan loss allowance to noncurrent loans | 816.7883% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 2,834 |
| Noncurrent loans to loans | 0.1371% | 2,824 |
| Net loans and leases to total assets | 75.3600% | 1,196 |
| Net loans and leases to deposits | 89.7961% | 1,282 |
| Net loans and leases to core deposits | 106.3946% | 1,099 |
| Total domestic deposits to total assets | 83.9300% | 2,644 |
| Equity capital to assets | 8.2119% | 3,270 |
| Core capital (leverage) ratio | 9.7171% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $261,493,000 | 2,613 |
| Average earning assets | $241,714,600 | 2,616 |
| Average equity | $20,569,400 | 2,808 |
| Average total loans | $199,462,600 | 2,288 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 2,768 |
| Cost of funding earning assets | 1.3777% | 1,924 |
| Net interest margin | 3.1863% | 2,949 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.7085% | 1,634 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6414% | 3,451 |
| Return on assets (ROA) | 0.6414% | 3,441 |
| Pretax return on assets | 0.7455% | 3,459 |
| Return on Equity (ROE) | 8.2400% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.2449% | 1,875 |
| Net charge-offs to loans | 0.0281% | 1,514 |
| Credit loss provision to net charge-offs | 469.0476% | 669 |
| Earnings coverage of net charge-offs (x) | 39.4762% | 1,454 |
| Efficiency ratio | 76.1987% | 1,156 |
| Assets per employee ($millions) | 4.5254% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,279 |
| Loan loss allowance to noncurrent loans | 90.0733% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 485 |
| Noncurrent loans to loans | 1.3499% | 563 |
| Net loans and leases to total assets | 76.1200% | 1,106 |
| Net loans and leases to deposits | 91.4657% | 1,099 |
| Net loans and leases to core deposits | 106.1377% | 1,008 |
| Total domestic deposits to total assets | 83.2200% | 2,973 |
| Equity capital to assets | 7.7349% | 3,221 |
| Core capital (leverage) ratio | 9.8306% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $261,296,750 | 2,622 |
| Average earning assets | $241,942,750 | 2,623 |
| Average equity | $20,327,250 | 2,815 |
| Average total loans | $199,353,500 | 2,289 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 2,718 |
| Cost of funding earning assets | 1.2095% | 1,954 |
| Net interest margin | 3.2620% | 2,839 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.6653% | 1,736 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.7244% | 3,285 |
| Return on assets (ROA) | 0.7244% | 3,287 |
| Pretax return on assets | 0.8386% | 3,305 |
| Return on Equity (ROE) | 9.2900% | 2,893 |
| Retained earnings to average equity (ytd only) | 9.2940% | 1,605 |
| Net charge-offs to loans | 0.0222% | 1,438 |
| Credit loss provision to net charge-offs | 695.4545% | 525 |
| Earnings coverage of net charge-offs (x) | 56.6818% | 1,221 |
| Efficiency ratio | 73.6029% | 1,391 |
| Assets per employee ($millions) | 4.4532% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,402 |
| Loan loss allowance to noncurrent loans | 82.0634% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1289% | 380 |
| Noncurrent loans to loans | 1.4709% | 456 |
| Net loans and leases to total assets | 75.8200% | 1,075 |
| Net loans and leases to deposits | 89.6819% | 1,210 |
| Net loans and leases to core deposits | 104.0860% | 1,048 |
| Total domestic deposits to total assets | 84.5400% | 2,675 |
| Equity capital to assets | 7.9204% | 3,268 |
| Core capital (leverage) ratio | 9.7331% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3749% | 1,463 |
| Memoranda: | ||
| Average total assets | $260,904,667 | 2,630 |
| Average earning assets | $242,243,000 | 2,626 |
| Average equity | $20,335,667 | 2,830 |
| Average total loans | $198,390,667 | 2,301 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 2,636 |
| Cost of funding earning assets | 1.0468% | 1,889 |
| Net interest margin | 3.3208% | 2,831 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.6863% | 1,714 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7693% | 3,301 |
| Return on assets (ROA) | 0.7693% | 3,252 |
| Pretax return on assets | 0.9262% | 3,174 |
| Return on Equity (ROE) | 9.9500% | 2,798 |
| Retained earnings to average equity (ytd only) | 9.9510% | 1,713 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.2690% | 1,410 |
| Assets per employee ($millions) | 4.5904% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,688 |
| Loan loss allowance to noncurrent loans | 80.1783% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 360 |
| Noncurrent loans to loans | 1.4665% | 443 |
| Net loans and leases to total assets | 73.8100% | 1,228 |
| Net loans and leases to deposits | 87.5612% | 1,244 |
| Net loans and leases to core deposits | 101.3320% | 1,030 |
| Total domestic deposits to total assets | 84.2900% | 3,031 |
| Equity capital to assets | 7.8090% | 3,379 |
| Core capital (leverage) ratio | 9.7409% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1098% | 1,598 |
| Memoranda: | ||
| Average total assets | $259,987,000 | 2,669 |
| Average earning assets | $241,869,500 | 2,662 |
| Average equity | $20,098,500 | 2,882 |
| Average total loans | $196,766,500 | 2,330 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 1,167 |
| Cost of funding earning assets | 0.7446% | 482 |
| Net interest margin | 3.4998% | 1,935 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.5195% | 2,054 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.9604% | 2,725 |
| Return on assets (ROA) | 0.9604% | 2,670 |
| Pretax return on assets | 1.2156% | 2,387 |
| Return on Equity (ROE) | 11.8700% | 2,186 |
| Retained earnings to average equity (ytd only) | 8.0033% | 1,826 |
| Net charge-offs to loans | -0.0214% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.7146% | 2,266 |
| Assets per employee ($millions) | 4.4514% | 4,068 |
| Cash dividends to net income (ytd only)* | 32.5677% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,269 |
| Loan loss allowance to noncurrent loans | 80.5199% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 329 |
| Noncurrent loans to loans | 1.5214% | 426 |
| Net loans and leases to total assets | 75.7900% | 1,029 |
| Net loans and leases to deposits | 91.1183% | 972 |
| Net loans and leases to core deposits | 101.3342% | 931 |
| Total domestic deposits to total assets | 83.1800% | 3,379 |
| Equity capital to assets | 7.6483% | 3,289 |
| Core capital (leverage) ratio | 9.6784% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1251% | 1,597 |
| Memoranda: | ||
| Average total assets | $253,860,400 | 2,702 |
| Average earning assets | $235,154,000 | 2,703 |
| Average equity | $20,541,400 | 2,903 |
| Average total loans | $186,829,000 | 2,329 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 894 |
| Cost of funding earning assets | 0.7207% | 237 |
| Net interest margin | 3.4756% | 1,735 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.4971% | 2,022 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.0219% | 2,400 |
| Return on assets (ROA) | 1.0219% | 2,375 |
| Pretax return on assets | 1.3055% | 2,034 |
| Return on Equity (ROE) | 12.4600% | 1,886 |
| Retained earnings to average equity (ytd only) | 12.4589% | 703 |
| Net charge-offs to loans | -0.0325% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6887% | 2,593 |
| Assets per employee ($millions) | 4.4852% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,389 |
| Loan loss allowance to noncurrent loans | 634.0483% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,585 |
| Noncurrent loans to loans | 0.1934% | 2,631 |
| Net loans and leases to total assets | 74.5200% | 1,055 |
| Net loans and leases to deposits | 89.7960% | 901 |
| Net loans and leases to core deposits | 99.3026% | 843 |
| Total domestic deposits to total assets | 82.9900% | 3,693 |
| Equity capital to assets | 7.6064% | 3,151 |
| Core capital (leverage) ratio | 9.7447% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3046% | 1,620 |
| Memoranda: | ||
| Average total assets | $253,893,000 | 2,723 |
| Average earning assets | $234,962,250 | 2,724 |
| Average equity | $20,825,250 | 2,920 |
| Average total loans | $184,863,500 | 2,345 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 713 |
| Cost of funding earning assets | 0.7082% | 153 |
| Net interest margin | 3.4323% | 1,508 |
| Noninterest income to average assets | 0.7761% | 1,110 |
| Noninterest expense to average assets | 2.4745% | 2,014 |
| Loan and lease loss provision to assets | 0.1184% | 847 |
| Net operating income to assets | 1.0517% | 1,967 |
| Return on assets (ROA) | 1.0517% | 1,936 |
| Pretax return on assets | 1.3557% | 1,569 |
| Return on Equity (ROE) | 12.5159% | 1,520 |
| Retained earnings to average equity (ytd only) | 12.5159% | 526 |
| Net charge-offs to loans | -0.0637% | 4,321 |
| Credit loss provision to net charge-offs | -258.6207% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6675% | 2,958 |
| Assets per employee ($millions) | 4.3509% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,588 |
| Loan loss allowance to noncurrent loans | 593.8144% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 2,636 |
| Noncurrent loans to loans | 0.2055% | 2,689 |
| Net loans and leases to total assets | 73.9226% | 926 |
| Net loans and leases to deposits | 88.7068% | 793 |
| Net loans and leases to core deposits | 98.0536% | 756 |
| Total domestic deposits to total assets | 83.3337% | 3,810 |
| Equity capital to assets | 7.8743% | 3,218 |
| Core capital (leverage) ratio | 9.6036% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6544% | 2,228 |
| Memoranda: | ||
| Average total assets | $253,306,000 | 2,754 |
| Average earning assets | $234,126,333 | 2,761 |
| Average equity | $21,285,000 | 2,956 |
| Average total loans | $182,189,000 | 2,370 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 567 |
| Cost of funding earning assets | 0.7175% | 139 |
| Net interest margin | 3.4400% | 1,205 |
| Noninterest income to average assets | 0.5974% | 1,706 |
| Noninterest expense to average assets | 2.4241% | 2,090 |
| Loan and lease loss provision to assets | 0.1182% | 705 |
| Net operating income to assets | 0.9930% | 1,904 |
| Return on assets (ROA) | 0.9930% | 1,899 |
| Pretax return on assets | 1.2215% | 1,728 |
| Return on Equity (ROE) | 11.4587% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.4587% | 696 |
| Net charge-offs to loans | -0.1633% | 4,564 |
| Credit loss provision to net charge-offs | -102.7397% | 2,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4054% | 2,980 |
| Assets per employee ($millions) | 4.5527% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,629 |
| Loan loss allowance to noncurrent loans | 628.2913% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 2,812 |
| Noncurrent loans to loans | 0.1981% | 2,829 |
| Net loans and leases to total assets | 69.7950% | 1,041 |
| Net loans and leases to deposits | 84.0639% | 878 |
| Net loans and leases to core deposits | 94.0631% | 734 |
| Total domestic deposits to total assets | 83.0262% | 3,935 |
| Equity capital to assets | 8.2796% | 3,341 |
| Core capital (leverage) ratio | 9.3074% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7766% | 2,313 |
| Memoranda: | ||
| Average total assets | $253,782,500 | 2,762 |
| Average earning assets | $233,601,500 | 2,776 |
| Average equity | $21,992,000 | 2,992 |
| Average total loans | $178,858,500 | 2,388 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 932 |
| Cost of funding earning assets | 0.8267% | 179 |
| Net interest margin | 3.4127% | 1,986 |
| Noninterest income to average assets | 0.5184% | 2,487 |
| Noninterest expense to average assets | 2.3932% | 2,511 |
| Loan and lease loss provision to assets | 0.0405% | 2,233 |
| Net operating income to assets | 0.9822% | 2,745 |
| Return on assets (ROA) | 0.9874% | 2,790 |
| Pretax return on assets | 1.2185% | 2,602 |
| Return on Equity (ROE) | 10.7493% | 2,255 |
| Retained earnings to average equity (ytd only) | 5.9033% | 2,400 |
| Net charge-offs to loans | -0.0083% | 3,681 |
| Credit loss provision to net charge-offs | -714.2857% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6455% | 2,314 |
| Assets per employee ($millions) | 4.3554% | 4,227 |
| Cash dividends to net income (ytd only)* | 45.0820% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,977 |
| Loan loss allowance to noncurrent loans | 349.1667% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,898 |
| Noncurrent loans to loans | 0.3380% | 2,372 |
| Net loans and leases to total assets | 69.4482% | 1,103 |
| Net loans and leases to deposits | 85.1247% | 846 |
| Net loans and leases to core deposits | 95.6852% | 707 |
| Total domestic deposits to total assets | 81.5842% | 4,029 |
| Equity capital to assets | 9.0553% | 3,561 |
| Core capital (leverage) ratio | 9.0582% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9597% | 2,262 |
| Memoranda: | ||
| Average total assets | $247,113,400 | 2,747 |
| Average earning assets | $226,447,200 | 2,767 |
| Average equity | $22,699,200 | 3,007 |
| Average total loans | $168,816,600 | 2,476 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 1,020 |
| Cost of funding earning assets | 0.8434% | 202 |
| Net interest margin | 3.4128% | 2,118 |
| Noninterest income to average assets | 0.5019% | 2,614 |
| Noninterest expense to average assets | 2.4220% | 2,365 |
| Loan and lease loss provision to assets | 0.0635% | 1,729 |
| Net operating income to assets | 0.9389% | 3,125 |
| Return on assets (ROA) | 0.9674% | 3,113 |
| Pretax return on assets | 1.1861% | 2,977 |
| Return on Equity (ROE) | 10.4933% | 2,558 |
| Retained earnings to average equity (ytd only) | 10.4933% | 1,174 |
| Net charge-offs to loans | -0.0080% | 3,587 |
| Credit loss provision to net charge-offs | -1,170.0000% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5970% | 2,020 |
| Assets per employee ($millions) | 4.5099% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,944 |
| Loan loss allowance to noncurrent loans | 381.1935% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 2,184 |
| Noncurrent loans to loans | 0.3174% | 2,641 |
| Net loans and leases to total assets | 68.1580% | 1,304 |
| Net loans and leases to deposits | 84.4669% | 930 |
| Net loans and leases to core deposits | 95.0665% | 787 |
| Total domestic deposits to total assets | 80.6920% | 4,131 |
| Equity capital to assets | 9.3319% | 3,526 |
| Core capital (leverage) ratio | 9.3236% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1174% | 2,317 |
| Memoranda: | ||
| Average total assets | $245,738,250 | 2,781 |
| Average earning assets | $225,736,000 | 2,796 |
| Average equity | $22,655,250 | 3,045 |
| Average total loans | $166,638,000 | 2,536 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 1,064 |
| Cost of funding earning assets | 0.8668% | 209 |
| Net interest margin | 3.3993% | 2,142 |
| Noninterest income to average assets | 0.4945% | 2,643 |
| Noninterest expense to average assets | 2.3987% | 2,470 |
| Loan and lease loss provision to assets | 0.0879% | 1,410 |
| Net operating income to assets | 0.9245% | 3,146 |
| Return on assets (ROA) | 0.9521% | 3,143 |
| Pretax return on assets | 1.1665% | 3,005 |
| Return on Equity (ROE) | 10.3709% | 2,626 |
| Retained earnings to average equity (ytd only) | 10.3709% | 1,294 |
| Net charge-offs to loans | -0.0244% | 4,065 |
| Credit loss provision to net charge-offs | -535.0000% | 3,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2733% | 2,109 |
| Assets per employee ($millions) | 4.3361% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,556 |
| Loan loss allowance to noncurrent loans | 337.8205% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 2,188 |
| Noncurrent loans to loans | 0.3777% | 2,541 |
| Net loans and leases to total assets | 65.9950% | 1,697 |
| Net loans and leases to deposits | 82.4498% | 1,181 |
| Net loans and leases to core deposits | 93.5045% | 928 |
| Total domestic deposits to total assets | 80.0427% | 4,233 |
| Equity capital to assets | 9.2471% | 3,565 |
| Core capital (leverage) ratio | 9.2329% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8442% | 2,030 |
| Memoranda: | ||
| Average total assets | $243,466,667 | 2,786 |
| Average earning assets | $223,812,333 | 2,803 |
| Average equity | $22,351,000 | 3,060 |
| Average total loans | $164,103,000 | 2,564 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 1,064 |
| Cost of funding earning assets | 0.8709% | 257 |
| Net interest margin | 3.4138% | 2,073 |
| Noninterest income to average assets | 0.4718% | 2,740 |
| Noninterest expense to average assets | 2.3442% | 2,663 |
| Loan and lease loss provision to assets | 0.2235% | 513 |
| Net operating income to assets | 0.8664% | 3,219 |
| Return on assets (ROA) | 0.9221% | 3,147 |
| Pretax return on assets | 1.1257% | 3,049 |
| Return on Equity (ROE) | 10.0819% | 2,664 |
| Retained earnings to average equity (ytd only) | 10.0819% | 1,625 |
| Net charge-offs to loans | -0.0220% | 4,039 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6575% | 2,390 |
| Assets per employee ($millions) | 4.4526% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,480 |
| Loan loss allowance to noncurrent loans | 1,622.1374% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 3,397 |
| Noncurrent loans to loans | 0.0796% | 3,899 |
| Net loans and leases to total assets | 66.3414% | 1,751 |
| Net loans and leases to deposits | 83.4254% | 1,203 |
| Net loans and leases to core deposits | 94.6551% | 938 |
| Total domestic deposits to total assets | 79.5218% | 4,264 |
| Equity capital to assets | 9.0108% | 3,668 |
| Core capital (leverage) ratio | 9.2930% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1072% | 2,251 |
| Memoranda: | ||
| Average total assets | $241,621,000 | 2,786 |
| Average earning assets | $223,213,000 | 2,788 |
| Average equity | $22,099,000 | 3,070 |
| Average total loans | $163,544,500 | 2,563 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 950 |
| Cost of funding earning assets | 1.0055% | 583 |
| Net interest margin | 3.6636% | 1,930 |
| Noninterest income to average assets | 0.4379% | 2,922 |
| Noninterest expense to average assets | 2.3938% | 3,149 |
| Loan and lease loss provision to assets | 1.0473% | 85 |
| Net operating income to assets | 0.3540% | 4,336 |
| Return on assets (ROA) | 0.4215% | 4,284 |
| Pretax return on assets | 0.4809% | 4,300 |
| Return on Equity (ROE) | 4.3807% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.0034% | 3,351 |
| Net charge-offs to loans | 1.3849% | 79 |
| Credit loss provision to net charge-offs | 106.6817% | 2,755 |
| Earnings coverage of net charge-offs (x) | 1.4786% | 3,252 |
| Efficiency ratio | 62.2522% | 3,083 |
| Assets per employee ($millions) | 4.4139% | 4,002 |
| Cash dividends to net income (ytd only)* | 31.4406% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,845 |
| Loan loss allowance to noncurrent loans | 934.4340% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,321 |
| Noncurrent loans to loans | 0.1305% | 3,759 |
| Net loans and leases to total assets | 67.3456% | 1,911 |
| Net loans and leases to deposits | 85.9124% | 1,262 |
| Net loans and leases to core deposits | 98.8728% | 962 |
| Total domestic deposits to total assets | 78.3887% | 4,276 |
| Equity capital to assets | 9.2852% | 3,801 |
| Core capital (leverage) ratio | 9.2219% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8484% | 2,300 |
| Memoranda: | ||
| Average total assets | $225,624,600 | 2,759 |
| Average earning assets | $209,848,000 | 2,747 |
| Average equity | $21,708,800 | 3,040 |
| Average total loans | $159,942,200 | 2,562 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,195 |
| Cost of funding earning assets | 1.0292% | 691 |
| Net interest margin | 3.6146% | 2,228 |
| Noninterest income to average assets | 0.4465% | 2,862 |
| Noninterest expense to average assets | 2.5696% | 2,632 |
| Loan and lease loss provision to assets | 1.3505% | 72 |
| Net operating income to assets | -0.0250% | 4,787 |
| Return on assets (ROA) | 0.0569% | 4,758 |
| Pretax return on assets | -0.0078% | 4,790 |
| Return on Equity (ROE) | 0.5863% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.5863% | 4,360 |
| Net charge-offs to loans | 1.8505% | 56 |
| Credit loss provision to net charge-offs | 101.8996% | 2,608 |
| Earnings coverage of net charge-offs (x) | 0.9349% | 3,106 |
| Efficiency ratio | 67.4693% | 2,254 |
| Assets per employee ($millions) | 4.1967% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,103 |
| Loan loss allowance to noncurrent loans | 856.1644% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 3,286 |
| Noncurrent loans to loans | 0.1307% | 3,861 |
| Net loans and leases to total assets | 71.7706% | 1,700 |
| Net loans and leases to deposits | 92.7661% | 1,016 |
| Net loans and leases to core deposits | 107.3193% | 795 |
| Total domestic deposits to total assets | 77.3673% | 4,279 |
| Equity capital to assets | 9.2541% | 3,903 |
| Core capital (leverage) ratio | 9.0948% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7368% | 1,917 |
| Memoranda: | ||
| Average total assets | $222,443,750 | 2,760 |
| Average earning assets | $206,895,250 | 2,752 |
| Average equity | $21,603,250 | 3,038 |
| Average total loans | $159,303,250 | 2,576 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 1,329 |
| Cost of funding earning assets | 1.0440% | 857 |
| Net interest margin | 3.6864% | 2,219 |
| Noninterest income to average assets | 0.3770% | 3,220 |
| Noninterest expense to average assets | 2.6351% | 2,561 |
| Loan and lease loss provision to assets | 0.3760% | 1,107 |
| Net operating income to assets | 0.6683% | 3,512 |
| Return on assets (ROA) | 0.6874% | 3,537 |
| Pretax return on assets | 0.8158% | 3,544 |
| Return on Equity (ROE) | 6.9636% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.9636% | 1,677 |
| Net charge-offs to loans | 0.0830% | 1,420 |
| Credit loss provision to net charge-offs | 635.3846% | 1,064 |
| Earnings coverage of net charge-offs (x) | 19.7538% | 1,705 |
| Efficiency ratio | 69.2676% | 2,052 |
| Assets per employee ($millions) | 4.4334% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 1,858 |
| Loan loss allowance to noncurrent loans | 879.4355% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 3,489 |
| Noncurrent loans to loans | 0.1517% | 3,851 |
| Net loans and leases to total assets | 68.6315% | 2,244 |
| Net loans and leases to deposits | 86.9299% | 1,666 |
| Net loans and leases to core deposits | 103.0619% | 1,058 |
| Total domestic deposits to total assets | 78.9503% | 4,044 |
| Equity capital to assets | 9.4077% | 3,736 |
| Core capital (leverage) ratio | 9.3253% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8273% | 2,252 |
| Memoranda: | ||
| Average total assets | $219,653,000 | 2,758 |
| Average earning assets | $204,207,667 | 2,746 |
| Average equity | $21,684,333 | 3,011 |
| Average total loans | $156,560,000 | 2,598 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 1,050 |
| Cost of funding earning assets | 1.0475% | 1,231 |
| Net interest margin | 3.9115% | 1,632 |
| Noninterest income to average assets | 0.4094% | 3,031 |
| Noninterest expense to average assets | 2.7170% | 2,667 |
| Loan and lease loss provision to assets | 0.4208% | 718 |
| Net operating income to assets | 0.7645% | 3,038 |
| Return on assets (ROA) | 0.7453% | 3,184 |
| Pretax return on assets | 0.8774% | 3,201 |
| Return on Equity (ROE) | 7.3577% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.3577% | 1,420 |
| Net charge-offs to loans | 0.0287% | 1,804 |
| Credit loss provision to net charge-offs | 2,027.2727% | 335 |
| Earnings coverage of net charge-offs (x) | 63.6364% | 779 |
| Efficiency ratio | 67.2897% | 2,772 |
| Assets per employee ($millions) | 4.0769% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,064 |
| Loan loss allowance to noncurrent loans | 627.3006% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 2,988 |
| Noncurrent loans to loans | 0.2101% | 3,723 |
| Net loans and leases to total assets | 69.5535% | 2,316 |
| Net loans and leases to deposits | 88.4832% | 1,698 |
| Net loans and leases to core deposits | 108.8999% | 907 |
| Total domestic deposits to total assets | 78.6064% | 4,122 |
| Equity capital to assets | 9.8814% | 3,897 |
| Core capital (leverage) ratio | 10.1617% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2747% | 2,162 |
| Memoranda: | ||
| Average total assets | $211,995,500 | 2,775 |
| Average earning assets | $196,652,500 | 2,766 |
| Average equity | $21,474,000 | 3,027 |
| Average total loans | $153,118,500 | 2,612 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0748% | 1,272 |
| Cost of funding earning assets | 1.0128% | 1,671 |
| Net interest margin | 4.0620% | 1,642 |
| Noninterest income to average assets | 0.4791% | 2,861 |
| Noninterest expense to average assets | 2.7563% | 2,731 |
| Loan and lease loss provision to assets | 0.0606% | 2,829 |
| Net operating income to assets | 1.1139% | 2,384 |
| Return on assets (ROA) | 1.1035% | 2,527 |
| Pretax return on assets | 1.3989% | 2,165 |
| Return on Equity (ROE) | 10.6940% | 2,007 |
| Retained earnings to average equity (ytd only) | 7.2060% | 1,306 |
| Net charge-offs to loans | 0.0300% | 2,802 |
| Credit loss provision to net charge-offs | 279.0698% | 1,009 |
| Earnings coverage of net charge-offs (x) | 67.8372% | 900 |
| Efficiency ratio | 65.1785% | 2,897 |
| Assets per employee ($millions) | 3.7748% | 4,180 |
| Cash dividends to net income (ytd only)* | 32.6167% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,358 |
| Loan loss allowance to noncurrent loans | 336.3303% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 2,291 |
| Noncurrent loans to loans | 0.3608% | 3,156 |
| Net loans and leases to total assets | 73.2125% | 1,889 |
| Net loans and leases to deposits | 93.4940% | 1,205 |
| Net loans and leases to core deposits | 112.7168% | 729 |
| Total domestic deposits to total assets | 78.3071% | 4,311 |
| Equity capital to assets | 10.3973% | 3,546 |
| Core capital (leverage) ratio | 10.4250% | 3,040 |
| Tier 1 risk-based capital ratio | 13.3034% | 3,631 |
| Total risk-based capital ratio | 14.5534% | 3,511 |
| Memoranda: | ||
| Average total assets | $198,089,000 | 2,857 |
| Average earning assets | $182,864,000 | 2,854 |
| Average equity | $20,441,400 | 3,093 |
| Average total loans | $143,518,000 | 2,685 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 1,450 |
| Cost of funding earning assets | 1.0038% | 1,750 |
| Net interest margin | 4.0335% | 1,824 |
| Noninterest income to average assets | 0.5112% | 2,661 |
| Noninterest expense to average assets | 2.7866% | 2,597 |
| Loan and lease loss provision to assets | 0.0610% | 2,675 |
| Net operating income to assets | 1.0989% | 2,573 |
| Return on assets (ROA) | 1.0957% | 2,682 |
| Pretax return on assets | 1.3811% | 2,381 |
| Return on Equity (ROE) | 10.6383% | 2,159 |
| Retained earnings to average equity (ytd only) | 10.6383% | 594 |
| Net charge-offs to loans | 0.0508% | 2,103 |
| Credit loss provision to net charge-offs | 166.6667% | 1,505 |
| Earnings coverage of net charge-offs (x) | 39.4990% | 1,385 |
| Efficiency ratio | 65.8337% | 2,750 |
| Assets per employee ($millions) | 3.5839% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,408 |
| Loan loss allowance to noncurrent loans | 313.2867% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 2,006 |
| Noncurrent loans to loans | 0.3893% | 3,151 |
| Net loans and leases to total assets | 72.3069% | 2,131 |
| Net loans and leases to deposits | 92.1005% | 1,425 |
| Net loans and leases to core deposits | 108.4029% | 1,026 |
| Total domestic deposits to total assets | 78.5087% | 4,261 |
| Equity capital to assets | 10.6413% | 3,427 |
| Core capital (leverage) ratio | 10.6492% | 2,977 |
| Tier 1 risk-based capital ratio | 13.6889% | 3,482 |
| Total risk-based capital ratio | 14.9392% | 3,388 |
| Memoranda: | ||
| Average total assets | $196,651,000 | 2,891 |
| Average earning assets | $181,441,750 | 2,889 |
| Average equity | $20,253,250 | 3,128 |
| Average total loans | $141,630,000 | 2,732 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 1,896 |
| Cost of funding earning assets | 0.9799% | 1,794 |
| Net interest margin | 3.8742% | 2,327 |
| Noninterest income to average assets | 0.4782% | 2,798 |
| Noninterest expense to average assets | 2.8295% | 2,485 |
| Loan and lease loss provision to assets | 0.0614% | 2,593 |
| Net operating income to assets | 0.9296% | 3,167 |
| Return on assets (ROA) | 0.9247% | 3,250 |
| Pretax return on assets | 1.1562% | 3,053 |
| Return on Equity (ROE) | 9.0821% | 2,816 |
| Retained earnings to average equity (ytd only) | 9.0821% | 1,012 |
| Net charge-offs to loans | 0.4590% | 354 |
| Credit loss provision to net charge-offs | 18.6916% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.7227% | 2,803 |
| Efficiency ratio | 69.8080% | 2,255 |
| Assets per employee ($millions) | 3.7341% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,377 |
| Loan loss allowance to noncurrent loans | 205.3571% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 1,955 |
| Noncurrent loans to loans | 0.5078% | 2,757 |
| Net loans and leases to total assets | 71.6820% | 2,252 |
| Net loans and leases to deposits | 89.8498% | 1,758 |
| Net loans and leases to core deposits | 107.7700% | 1,116 |
| Total domestic deposits to total assets | 79.7798% | 4,074 |
| Equity capital to assets | 10.4393% | 3,575 |
| Core capital (leverage) ratio | 10.4223% | 3,169 |
| Tier 1 risk-based capital ratio | 14.4048% | 3,114 |
| Total risk-based capital ratio | 15.5687% | 3,072 |
| Memoranda: | ||
| Average total assets | $195,301,330 | 2,909 |
| Average earning assets | $180,220,000 | 2,915 |
| Average equity | $19,885,330 | 3,158 |
| Average total loans | $139,869,330 | 2,768 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 1,999 |
| Cost of funding earning assets | 0.9544% | 1,772 |
| Net interest margin | 3.8131% | 2,479 |
| Noninterest income to average assets | 0.4990% | 2,559 |
| Noninterest expense to average assets | 2.7794% | 2,643 |
| Loan and lease loss provision to assets | 0.0619% | 2,419 |
| Net operating income to assets | 0.9482% | 3,055 |
| Return on assets (ROA) | 0.9381% | 3,142 |
| Pretax return on assets | 1.1629% | 2,929 |
| Return on Equity (ROE) | 9.3343% | 2,657 |
| Retained earnings to average equity (ytd only) | 9.3343% | 1,212 |
| Net charge-offs to loans | -0.0029% | 3,917 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1992% | 2,474 |
| Assets per employee ($millions) | 3.7293% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,182 |
| Loan loss allowance to noncurrent loans | 149.7066% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 1,291 |
| Noncurrent loans to loans | 0.8545% | 1,929 |
| Net loans and leases to total assets | 71.0725% | 2,315 |
| Net loans and leases to deposits | 89.4993% | 1,691 |
| Net loans and leases to core deposits | 106.2275% | 1,159 |
| Total domestic deposits to total assets | 79.4112% | 4,269 |
| Equity capital to assets | 10.2240% | 3,596 |
| Core capital (leverage) ratio | 10.4204% | 3,145 |
| Tier 1 risk-based capital ratio | 14.4420% | 3,121 |
| Total risk-based capital ratio | 15.6938% | 3,052 |
| Memoranda: | ||
| Average total assets | $193,999,000 | 2,959 |
| Average earning assets | $178,961,500 | 2,960 |
| Average equity | $19,498,000 | 3,201 |
| Average total loans | $138,125,000 | 2,813 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 2,065 |
| Cost of funding earning assets | 0.8289% | 1,403 |
| Net interest margin | 3.7962% | 2,669 |
| Noninterest income to average assets | 0.5464% | 2,572 |
| Noninterest expense to average assets | 2.8978% | 2,361 |
| Loan and lease loss provision to assets | -0.0558% | 5,206 |
| Net operating income to assets | 0.9614% | 3,172 |
| Return on assets (ROA) | 0.8887% | 3,464 |
| Pretax return on assets | 1.0907% | 3,311 |
| Return on Equity (ROE) | 8.9139% | 3,037 |
| Retained earnings to average equity (ytd only) | 5.3313% | 2,578 |
| Net charge-offs to loans | -0.1321% | 5,205 |
| Credit loss provision to net charge-offs | 59.6591% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0402% | 1,892 |
| Assets per employee ($millions) | 3.5939% | 4,456 |
| Cash dividends to net income (ytd only)* | 40.1914% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,119 |
| Loan loss allowance to noncurrent loans | 139.4758% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1228% | 1,186 |
| Noncurrent loans to loans | 0.9214% | 1,741 |
| Net loans and leases to total assets | 69.5000% | 2,653 |
| Net loans and leases to deposits | 87.3745% | 2,129 |
| Net loans and leases to core deposits | 103.2653% | 1,481 |
| Total domestic deposits to total assets | 79.5426% | 4,204 |
| Equity capital to assets | 9.8773% | 3,784 |
| Core capital (leverage) ratio | 10.2843% | 3,265 |
| Tier 1 risk-based capital ratio | 13.8796% | 3,342 |
| Total risk-based capital ratio | 15.1306% | 3,271 |
| Memoranda: | ||
| Average total assets | $188,144,400 | 2,981 |
| Average earning assets | $172,275,800 | 3,000 |
| Average equity | $18,757,200 | 3,204 |
| Average total loans | $133,183,200 | 2,842 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,013 |
| Cost of funding earning assets | 0.7979% | 1,349 |
| Net interest margin | 3.7898% | 2,689 |
| Noninterest income to average assets | 0.6107% | 2,256 |
| Noninterest expense to average assets | 2.8650% | 2,417 |
| Loan and lease loss provision to assets | -0.0750% | 5,323 |
| Net operating income to assets | 1.0154% | 3,023 |
| Return on assets (ROA) | 1.0007% | 3,095 |
| Pretax return on assets | 1.2629% | 2,759 |
| Return on Equity (ROE) | 10.0135% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.6984% | 1,346 |
| Net charge-offs to loans | -0.3587% | 5,377 |
| Credit loss provision to net charge-offs | 29.4944% | 2,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3684% | 2,142 |
| Assets per employee ($millions) | 3.5747% | 4,463 |
| Cash dividends to net income (ytd only)* | 13.1336% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,623 |
| Loan loss allowance to noncurrent loans | 161.4679% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 1,338 |
| Noncurrent loans to loans | 0.8803% | 1,938 |
| Net loans and leases to total assets | 70.8688% | 2,520 |
| Net loans and leases to deposits | 88.2581% | 2,116 |
| Net loans and leases to core deposits | 103.8077% | 1,464 |
| Total domestic deposits to total assets | 80.2972% | 4,040 |
| Equity capital to assets | 10.0369% | 3,604 |
| Core capital (leverage) ratio | 10.4657% | 3,119 |
| Tier 1 risk-based capital ratio | 14.2025% | 3,270 |
| Total risk-based capital ratio | 15.4556% | 3,182 |
| Memoranda: | ||
| Average total assets | $186,662,500 | 3,018 |
| Average earning assets | $170,452,500 | 3,046 |
| Average equity | $18,654,250 | 3,240 |
| Average total loans | $132,320,000 | 2,869 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 2,031 |
| Cost of funding earning assets | 0.7561% | 1,344 |
| Net interest margin | 3.7627% | 2,702 |
| Noninterest income to average assets | 0.6730% | 1,987 |
| Noninterest expense to average assets | 2.8515% | 2,497 |
| Loan and lease loss provision to assets | -0.2477% | 5,484 |
| Net operating income to assets | 1.2015% | 2,194 |
| Return on assets (ROA) | 1.1791% | 2,285 |
| Pretax return on assets | 1.4817% | 1,880 |
| Return on Equity (ROE) | 11.8163% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.8308% | 974 |
| Net charge-offs to loans | -0.5816% | 5,452 |
| Credit loss provision to net charge-offs | 60.3675% | 2,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3194% | 2,421 |
| Assets per employee ($millions) | 3.3120% | 4,804 |
| Cash dividends to net income (ytd only)* | 16.8037% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 1,838 |
| Loan loss allowance to noncurrent loans | 141.8856% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 1,233 |
| Noncurrent loans to loans | 0.9677% | 1,797 |
| Net loans and leases to total assets | 69.8569% | 2,600 |
| Net loans and leases to deposits | 85.6690% | 2,355 |
| Net loans and leases to core deposits | 100.1679% | 1,722 |
| Total domestic deposits to total assets | 81.5428% | 3,857 |
| Equity capital to assets | 9.9686% | 3,655 |
| Core capital (leverage) ratio | 10.4121% | 3,127 |
| Tier 1 risk-based capital ratio | 14.6560% | 3,038 |
| Total risk-based capital ratio | 15.9091% | 2,963 |
| Memoranda: | ||
| Average total assets | $185,730,000 | 3,039 |
| Average earning assets | $169,824,670 | 3,067 |
| Average equity | $18,533,670 | 3,271 |
| Average total loans | $131,025,330 | 2,897 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 1,952 |
| Cost of funding earning assets | 0.7149% | 1,368 |
| Net interest margin | 3.7572% | 2,587 |
| Noninterest income to average assets | 0.6580% | 2,003 |
| Noninterest expense to average assets | 2.8208% | 2,631 |
| Loan and lease loss provision to assets | -0.3692% | 5,570 |
| Net operating income to assets | 1.3041% | 1,631 |
| Return on assets (ROA) | 1.2595% | 1,785 |
| Pretax return on assets | 1.5852% | 1,434 |
| Return on Equity (ROE) | 12.6149% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.6149% | 577 |
| Net charge-offs to loans | -0.7464% | 5,522 |
| Credit loss provision to net charge-offs | 70.2479% | 1,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9125% | 2,682 |
| Assets per employee ($millions) | 3.4294% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,064 |
| Loan loss allowance to noncurrent loans | 105.0837% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1637% | 1,319 |
| Noncurrent loans to loans | 1.2736% | 1,411 |
| Net loans and leases to total assets | 69.9427% | 2,496 |
| Net loans and leases to deposits | 86.3211% | 2,119 |
| Net loans and leases to core deposits | 100.9556% | 1,616 |
| Total domestic deposits to total assets | 81.0261% | 4,195 |
| Equity capital to assets | 10.0121% | 3,580 |
| Core capital (leverage) ratio | 10.5320% | 2,905 |
| Tier 1 risk-based capital ratio | 14.7396% | 3,010 |
| Total risk-based capital ratio | 15.9923% | 2,929 |
| Memoranda: | ||
| Average total assets | $184,203,500 | 3,090 |
| Average earning assets | $168,422,000 | 3,117 |
| Average equity | $18,391,000 | 3,316 |
| Average total loans | $129,681,000 | 2,940 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,791 |
| Cost of funding earning assets | 0.7144% | 954 |
| Net interest margin | 3.7634% | 2,550 |
| Noninterest income to average assets | 0.5324% | 2,809 |
| Noninterest expense to average assets | 2.7628% | 2,912 |
| Loan and lease loss provision to assets | -0.0319% | 5,359 |
| Net operating income to assets | 0.6613% | 3,778 |
| Return on assets (ROA) | 0.6711% | 3,775 |
| Pretax return on assets | 1.2366% | 2,604 |
| Return on Equity (ROE) | 6.6867% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.4174% | 3,239 |
| Net charge-offs to loans | 0.0349% | 3,095 |
| Credit loss provision to net charge-offs | -131.8182% | 4,745 |
| Earnings coverage of net charge-offs (x) | 49.0909% | 1,096 |
| Efficiency ratio | 69.9081% | 2,568 |
| Assets per employee ($millions) | 3.5235% | 4,665 |
| Cash dividends to net income (ytd only)* | 48.8925% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,142 |
| Loan loss allowance to noncurrent loans | 129.1188% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 1,530 |
| Noncurrent loans to loans | 1.0189% | 1,747 |
| Net loans and leases to total assets | 68.9855% | 2,689 |
| Net loans and leases to deposits | 84.5605% | 2,429 |
| Net loans and leases to core deposits | 98.8449% | 1,802 |
| Total domestic deposits to total assets | 81.5813% | 3,976 |
| Equity capital to assets | 9.9557% | 3,750 |
| Core capital (leverage) ratio | 9.8719% | 3,612 |
| Tier 1 risk-based capital ratio | 14.5122% | 3,085 |
| Total risk-based capital ratio | 15.7662% | 2,999 |
| Memoranda: | ||
| Average total assets | $181,630,200 | 3,094 |
| Average earning assets | $165,037,200 | 3,142 |
| Average equity | $18,230,200 | 3,336 |
| Average total loans | $125,956,800 | 2,978 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 1,695 |
| Cost of funding earning assets | 0.6976% | 973 |
| Net interest margin | 3.7851% | 2,456 |
| Noninterest income to average assets | 0.4922% | 3,076 |
| Noninterest expense to average assets | 2.7743% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8297% | 3,390 |
| Return on assets (ROA) | 0.8446% | 3,342 |
| Pretax return on assets | 1.1756% | 3,002 |
| Return on Equity (ROE) | 8.3974% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.2636% | 1,560 |
| Net charge-offs to loans | 0.1042% | 1,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.0208% | 2,193 |
| Efficiency ratio | 70.6048% | 2,432 |
| Assets per employee ($millions) | 3.6323% | 4,545 |
| Cash dividends to net income (ytd only)* | 13.5016% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,272 |
| Loan loss allowance to noncurrent loans | 124.8521% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0337% | 1,635 |
| Noncurrent loans to loans | 1.0561% | 1,830 |
| Net loans and leases to total assets | 68.1952% | 2,815 |
| Net loans and leases to deposits | 84.5210% | 2,490 |
| Net loans and leases to core deposits | 99.1695% | 1,781 |
| Total domestic deposits to total assets | 80.6844% | 4,143 |
| Equity capital to assets | 10.1442% | 3,754 |
| Core capital (leverage) ratio | 9.6196% | 4,018 |
| Tier 1 risk-based capital ratio | 13.6536% | 3,611 |
| Total risk-based capital ratio | 14.9095% | 3,537 |
| Memoranda: | ||
| Average total assets | $181,232,500 | 3,124 |
| Average earning assets | $164,569,250 | 3,176 |
| Average equity | $18,227,500 | 3,366 |
| Average total loans | $125,425,750 | 3,006 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,451 |
| Cost of funding earning assets | 0.6821% | 979 |
| Net interest margin | 3.8438% | 2,113 |
| Noninterest income to average assets | 0.4380% | 3,436 |
| Noninterest expense to average assets | 2.8117% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8147% | 3,335 |
| Return on assets (ROA) | 0.8083% | 3,416 |
| Pretax return on assets | 1.1007% | 3,177 |
| Return on Equity (ROE) | 8.0602% | 2,995 |
| Retained earnings to average equity (ytd only) | 6.3417% | 1,941 |
| Net charge-offs to loans | 0.1076% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.8955% | 2,047 |
| Efficiency ratio | 71.7040% | 2,398 |
| Assets per employee ($millions) | 3.7591% | 4,342 |
| Cash dividends to net income (ytd only)* | 21.3205% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,153 |
| Loan loss allowance to noncurrent loans | 122.9778% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 1,546 |
| Noncurrent loans to loans | 1.1011% | 1,778 |
| Net loans and leases to total assets | 69.3603% | 2,610 |
| Net loans and leases to deposits | 86.0280% | 2,218 |
| Net loans and leases to core deposits | 100.2395% | 1,635 |
| Total domestic deposits to total assets | 80.6253% | 4,277 |
| Equity capital to assets | 10.2230% | 3,651 |
| Core capital (leverage) ratio | 9.4657% | 4,164 |
| Tier 1 risk-based capital ratio | 13.3706% | 3,764 |
| Total risk-based capital ratio | 14.6269% | 3,677 |
| Memoranda: | ||
| Average total assets | $179,893,670 | 3,154 |
| Average earning assets | $163,014,670 | 3,202 |
| Average equity | $18,039,330 | 3,388 |
| Average total loans | $124,561,330 | 3,032 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,403 |
| Cost of funding earning assets | 0.6746% | 959 |
| Net interest margin | 3.8135% | 2,073 |
| Noninterest income to average assets | 0.3407% | 4,118 |
| Noninterest expense to average assets | 2.7480% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8537% | 2,972 |
| Return on assets (ROA) | 0.8373% | 3,098 |
| Pretax return on assets | 1.0221% | 3,277 |
| Return on Equity (ROE) | 8.4324% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.4324% | 1,299 |
| Net charge-offs to loans | 0.0519% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,234 |
| Efficiency ratio | 72.5029% | 2,484 |
| Assets per employee ($millions) | 3.8451% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,995 |
| Loan loss allowance to noncurrent loans | 80.2811% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.6025% | 975 |
| Noncurrent loans to loans | 1.7685% | 1,073 |
| Net loans and leases to total assets | 68.0436% | 2,676 |
| Net loans and leases to deposits | 85.1444% | 2,144 |
| Net loans and leases to core deposits | 99.0208% | 1,579 |
| Total domestic deposits to total assets | 79.9154% | 4,634 |
| Equity capital to assets | 9.9977% | 3,761 |
| Core capital (leverage) ratio | 9.3036% | 4,338 |
| Tier 1 risk-based capital ratio | 13.0027% | 4,078 |
| Total risk-based capital ratio | 14.2596% | 3,977 |
| Memoranda: | ||
| Average total assets | $179,622,500 | 3,189 |
| Average earning assets | $162,474,500 | 3,239 |
| Average equity | $17,836,000 | 3,428 |
| Average total loans | $123,407,500 | 3,066 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 1,732 |
| Cost of funding earning assets | 0.6748% | 930 |
| Net interest margin | 3.7591% | 2,473 |
| Noninterest income to average assets | 0.6023% | 2,651 |
| Noninterest expense to average assets | 2.7520% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0332% | 2,215 |
| Return on assets (ROA) | 1.0661% | 2,162 |
| Pretax return on assets | 1.3059% | 2,261 |
| Return on Equity (ROE) | 10.4580% | 1,780 |
| Retained earnings to average equity (ytd only) | 3.1457% | 3,670 |
| Net charge-offs to loans | -0.4028% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4966% | 3,161 |
| Assets per employee ($millions) | 3.7902% | 4,324 |
| Cash dividends to net income (ytd only)* | 69.9204% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,828 |
| Loan loss allowance to noncurrent loans | 72.9277% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.6841% | 918 |
| Noncurrent loans to loans | 2.0061% | 899 |
| Net loans and leases to total assets | 67.5250% | 2,852 |
| Net loans and leases to deposits | 84.1776% | 2,394 |
| Net loans and leases to core deposits | 96.0000% | 1,925 |
| Total domestic deposits to total assets | 80.2172% | 4,526 |
| Equity capital to assets | 9.8821% | 3,840 |
| Core capital (leverage) ratio | 9.0964% | 4,621 |
| Tier 1 risk-based capital ratio | 13.0479% | 4,037 |
| Total risk-based capital ratio | 14.3086% | 3,941 |
| Memoranda: | ||
| Average total assets | $176,815,800 | 3,197 |
| Average earning assets | $160,651,200 | 3,230 |
| Average equity | $18,024,400 | 3,404 |
| Average total loans | $115,924,400 | 3,131 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 1,865 |
| Cost of funding earning assets | 0.6732% | 934 |
| Net interest margin | 3.7252% | 2,618 |
| Noninterest income to average assets | 0.6467% | 2,440 |
| Noninterest expense to average assets | 2.7076% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1106% | 1,947 |
| Return on assets (ROA) | 1.1627% | 1,860 |
| Pretax return on assets | 1.3871% | 2,084 |
| Return on Equity (ROE) | 11.3183% | 1,548 |
| Retained earnings to average equity (ytd only) | 10.1931% | 540 |
| Net charge-offs to loans | -0.6119% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1413% | 3,396 |
| Assets per employee ($millions) | 3.9124% | 4,104 |
| Cash dividends to net income (ytd only)* | 9.9413% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,653 |
| Loan loss allowance to noncurrent loans | 63.5988% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 923 |
| Noncurrent loans to loans | 2.4086% | 748 |
| Net loans and leases to total assets | 65.8978% | 3,140 |
| Net loans and leases to deposits | 82.9820% | 2,602 |
| Net loans and leases to core deposits | 94.6187% | 2,140 |
| Total domestic deposits to total assets | 79.4122% | 4,636 |
| Equity capital to assets | 10.5450% | 3,516 |
| Core capital (leverage) ratio | 9.6072% | 4,046 |
| Tier 1 risk-based capital ratio | 13.8218% | 3,652 |
| Total risk-based capital ratio | 15.0833% | 3,575 |
| Memoranda: | ||
| Average total assets | $176,484,750 | 3,219 |
| Average earning assets | $160,417,500 | 3,246 |
| Average equity | $18,129,500 | 3,410 |
| Average total loans | $114,386,750 | 3,163 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,015 |
| Cost of funding earning assets | 0.6765% | 913 |
| Net interest margin | 3.6644% | 2,843 |
| Noninterest income to average assets | 0.6274% | 2,474 |
| Noninterest expense to average assets | 2.7081% | 3,366 |
| Loan and lease loss provision to assets | 0.2053% | 1,045 |
| Net operating income to assets | 1.0246% | 2,277 |
| Return on assets (ROA) | 1.1054% | 2,066 |
| Pretax return on assets | 1.1339% | 3,066 |
| Return on Equity (ROE) | 10.8592% | 1,699 |
| Retained earnings to average equity (ytd only) | 9.1446% | 811 |
| Net charge-offs to loans | -0.8561% | 5,982 |
| Credit loss provision to net charge-offs | -37.4220% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3165% | 3,274 |
| Assets per employee ($millions) | 3.9118% | 4,075 |
| Cash dividends to net income (ytd only)* | 15.7895% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 1,247 |
| Loan loss allowance to noncurrent loans | 60.5319% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.0400% | 800 |
| Noncurrent loans to loans | 2.8301% | 550 |
| Net loans and leases to total assets | 64.5335% | 3,289 |
| Net loans and leases to deposits | 81.3030% | 2,781 |
| Net loans and leases to core deposits | 93.7649% | 2,190 |
| Total domestic deposits to total assets | 79.3741% | 4,702 |
| Equity capital to assets | 10.4788% | 3,660 |
| Core capital (leverage) ratio | 9.2768% | 4,488 |
| Tier 1 risk-based capital ratio | 13.8784% | 3,679 |
| Total risk-based capital ratio | 15.1429% | 3,583 |
| Memoranda: | ||
| Average total assets | $175,322,670 | 3,249 |
| Average earning assets | $159,642,670 | 3,272 |
| Average equity | $17,846,670 | 3,464 |
| Average total loans | $112,368,330 | 3,199 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 2,269 |
| Cost of funding earning assets | 0.6717% | 941 |
| Net interest margin | 3.5891% | 3,126 |
| Noninterest income to average assets | 0.5830% | 2,626 |
| Noninterest expense to average assets | 2.7708% | 3,185 |
| Loan and lease loss provision to assets | 0.4115% | 331 |
| Net operating income to assets | 0.7247% | 3,599 |
| Return on assets (ROA) | 0.7750% | 3,475 |
| Pretax return on assets | 0.7247% | 4,435 |
| Return on Equity (ROE) | 7.7278% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.7278% | 1,581 |
| Net charge-offs to loans | 0.0686% | 1,798 |
| Credit loss provision to net charge-offs | 947.3684% | 385 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,309 |
| Efficiency ratio | 71.8435% | 2,820 |
| Assets per employee ($millions) | 3.9512% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,768 |
| Loan loss allowance to noncurrent loans | 50.0677% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.8844% | 957 |
| Noncurrent loans to loans | 2.6519% | 681 |
| Net loans and leases to total assets | 63.2659% | 3,349 |
| Net loans and leases to deposits | 78.7712% | 2,918 |
| Net loans and leases to core deposits | 90.8369% | 2,293 |
| Total domestic deposits to total assets | 80.3160% | 4,679 |
| Equity capital to assets | 10.2409% | 3,807 |
| Core capital (leverage) ratio | 9.1939% | 4,607 |
| Tier 1 risk-based capital ratio | 13.8876% | 3,765 |
| Total risk-based capital ratio | 15.1470% | 3,693 |
| Memoranda: | ||
| Average total assets | $174,968,500 | 3,265 |
| Average earning assets | $159,593,000 | 3,290 |
| Average equity | $17,547,000 | 3,508 |
| Average total loans | $110,763,000 | 3,229 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 1,984 |
| Cost of funding earning assets | 0.6800% | 913 |
| Net interest margin | 3.6955% | 2,764 |
| Noninterest income to average assets | 0.4261% | 3,846 |
| Noninterest expense to average assets | 2.9268% | 2,778 |
| Loan and lease loss provision to assets | 0.2099% | 1,000 |
| Net operating income to assets | 0.6342% | 4,116 |
| Return on assets (ROA) | 0.7141% | 3,852 |
| Pretax return on assets | 0.7176% | 4,479 |
| Return on Equity (ROE) | 7.0349% | 3,496 |
| Retained earnings to average equity (ytd only) | 2.3947% | 4,352 |
| Net charge-offs to loans | 0.4669% | 585 |
| Credit loss provision to net charge-offs | 74.6888% | 3,046 |
| Earnings coverage of net charge-offs (x) | 3.0166% | 3,791 |
| Efficiency ratio | 77.5444% | 2,042 |
| Assets per employee ($millions) | 3.9130% | 4,098 |
| Cash dividends to net income (ytd only)* | 65.9592% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 3,499 |
| Loan loss allowance to noncurrent loans | 100.5335% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 2,349 |
| Noncurrent loans to loans | 1.1921% | 1,980 |
| Net loans and leases to total assets | 61.7531% | 3,591 |
| Net loans and leases to deposits | 77.4642% | 3,109 |
| Net loans and leases to core deposits | 88.5510% | 2,548 |
| Total domestic deposits to total assets | 79.7183% | 4,818 |
| Equity capital to assets | 9.8191% | 4,170 |
| Core capital (leverage) ratio | 8.9363% | 4,960 |
| Tier 1 risk-based capital ratio | 13.6872% | 3,894 |
| Total risk-based capital ratio | 14.9476% | 3,820 |
| Memoranda: | ||
| Average total assets | $171,550,000 | 3,280 |
| Average earning assets | $155,433,600 | 3,327 |
| Average equity | $17,413,200 | 3,473 |
| Average total loans | $103,243,000 | 3,328 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 2,018 |
| Cost of funding earning assets | 0.6881% | 894 |
| Net interest margin | 3.6809% | 2,844 |
| Noninterest income to average assets | 0.3732% | 4,265 |
| Noninterest expense to average assets | 2.9590% | 2,643 |
| Loan and lease loss provision to assets | 0.2347% | 769 |
| Net operating income to assets | 0.4717% | 4,889 |
| Return on assets (ROA) | 0.5751% | 4,593 |
| Pretax return on assets | 0.6181% | 4,933 |
| Return on Equity (ROE) | 5.6179% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.6179% | 2,512 |
| Net charge-offs to loans | 0.6329% | 352 |
| Credit loss provision to net charge-offs | 62.2407% | 2,885 |
| Earnings coverage of net charge-offs (x) | 1.9668% | 3,755 |
| Efficiency ratio | 79.9577% | 1,661 |
| Assets per employee ($millions) | 3.8450% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 3,716 |
| Loan loss allowance to noncurrent loans | 127.5583% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 2,965 |
| Noncurrent loans to loans | 0.9323% | 2,644 |
| Net loans and leases to total assets | 60.4600% | 3,816 |
| Net loans and leases to deposits | 75.5172% | 3,362 |
| Net loans and leases to core deposits | 86.6659% | 2,782 |
| Total domestic deposits to total assets | 80.0613% | 4,740 |
| Equity capital to assets | 10.2702% | 3,853 |
| Core capital (leverage) ratio | 9.3884% | 4,454 |
| Tier 1 risk-based capital ratio | 14.6152% | 3,495 |
| Total risk-based capital ratio | 15.8754% | 3,416 |
| Memoranda: | ||
| Average total assets | $170,416,250 | 3,323 |
| Average earning assets | $154,052,000 | 3,370 |
| Average equity | $17,444,000 | 3,491 |
| Average total loans | $101,539,500 | 3,395 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 1,985 |
| Cost of funding earning assets | 0.6999% | 845 |
| Net interest margin | 3.6576% | 2,883 |
| Noninterest income to average assets | 0.3716% | 4,285 |
| Noninterest expense to average assets | 3.0245% | 2,481 |
| Loan and lease loss provision to assets | 0.2477% | 712 |
| Net operating income to assets | 0.5698% | 4,476 |
| Return on assets (ROA) | 0.5816% | 4,522 |
| Pretax return on assets | 0.4152% | 5,434 |
| Return on Equity (ROE) | 5.6874% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.6874% | 2,415 |
| Net charge-offs to loans | -0.0420% | 5,474 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2850% | 1,450 |
| Assets per employee ($millions) | 3.9388% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 1,919 |
| Loan loss allowance to noncurrent loans | 112.7444% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 2,066 |
| Noncurrent loans to loans | 1.4172% | 1,894 |
| Net loans and leases to total assets | 59.4157% | 3,917 |
| Net loans and leases to deposits | 73.8530% | 3,505 |
| Net loans and leases to core deposits | 84.6822% | 2,911 |
| Total domestic deposits to total assets | 80.4513% | 4,763 |
| Equity capital to assets | 10.0539% | 3,978 |
| Core capital (leverage) ratio | 9.1846% | 4,716 |
| Tier 1 risk-based capital ratio | 14.1362% | 3,851 |
| Total risk-based capital ratio | 15.4050% | 3,768 |
| Memoranda: | ||
| Average total assets | $169,546,670 | 3,355 |
| Average earning assets | $153,162,000 | 3,398 |
| Average equity | $17,336,670 | 3,521 |
| Average total loans | $100,096,000 | 3,442 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,128 |
| Cost of funding earning assets | 0.7037% | 841 |
| Net interest margin | 3.5871% | 3,058 |
| Noninterest income to average assets | 0.4318% | 3,754 |
| Noninterest expense to average assets | 2.9225% | 2,828 |
| Loan and lease loss provision to assets | 0.2505% | 659 |
| Net operating income to assets | 0.6918% | 3,839 |
| Return on assets (ROA) | 0.6871% | 3,989 |
| Pretax return on assets | 0.4891% | 5,209 |
| Return on Equity (ROE) | 6.6617% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.6617% | 2,161 |
| Net charge-offs to loans | -0.0654% | 5,657 |
| Credit loss provision to net charge-offs | -656.2500% | 4,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7007% | 1,932 |
| Assets per employee ($millions) | 3.8488% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 2,078 |
| Loan loss allowance to noncurrent loans | 87.2138% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.7426% | 1,422 |
| Noncurrent loans to loans | 1.8255% | 1,479 |
| Net loans and leases to total assets | 57.0104% | 4,087 |
| Net loans and leases to deposits | 70.4016% | 3,707 |
| Net loans and leases to core deposits | 80.9101% | 3,065 |
| Total domestic deposits to total assets | 80.9788% | 4,827 |
| Equity capital to assets | 10.3615% | 3,702 |
| Core capital (leverage) ratio | 9.2984% | 4,573 |
| Tier 1 risk-based capital ratio | 14.6131% | 3,652 |
| Total risk-based capital ratio | 15.8785% | 3,567 |
| Memoranda: | ||
| Average total assets | $167,667,000 | 3,407 |
| Average earning assets | $151,206,500 | 3,446 |
| Average equity | $17,293,000 | 3,549 |
| Average total loans | $97,822,500 | 3,493 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,486 |
| Cost of funding earning assets | 0.7854% | 702 |
| Net interest margin | 3.5473% | 3,613 |
| Noninterest income to average assets | 0.5582% | 3,129 |
| Noninterest expense to average assets | 2.9101% | 3,118 |
| Loan and lease loss provision to assets | 0.4734% | 340 |
| Net operating income to assets | 0.4008% | 5,224 |
| Return on assets (ROA) | 0.6235% | 4,365 |
| Pretax return on assets | 0.5939% | 4,965 |
| Return on Equity (ROE) | 6.1091% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.0403% | 4,763 |
| Net charge-offs to loans | 0.6109% | 643 |
| Credit loss provision to net charge-offs | 135.2941% | 1,741 |
| Earnings coverage of net charge-offs (x) | 2.4135% | 4,155 |
| Efficiency ratio | 77.5073% | 2,278 |
| Assets per employee ($millions) | 3.8601% | 4,237 |
| Cash dividends to net income (ytd only)* | 66.6019% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 2,577 |
| Loan loss allowance to noncurrent loans | 78.8725% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.0050% | 1,271 |
| Noncurrent loans to loans | 1.8731% | 1,511 |
| Net loans and leases to total assets | 57.8940% | 4,056 |
| Net loans and leases to deposits | 71.4601% | 3,740 |
| Net loans and leases to core deposits | 81.9351% | 3,118 |
| Total domestic deposits to total assets | 81.0159% | 4,746 |
| Equity capital to assets | 10.2653% | 3,768 |
| Core capital (leverage) ratio | 9.3744% | 4,430 |
| Tier 1 risk-based capital ratio | 14.8247% | 3,584 |
| Total risk-based capital ratio | 16.0808% | 3,519 |
| Memoranda: | ||
| Average total assets | $165,183,600 | 3,410 |
| Average earning assets | $148,847,400 | 3,463 |
| Average equity | $16,860,200 | 3,545 |
| Average total loans | $94,607,200 | 3,538 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,598 |
| Cost of funding earning assets | 0.7910% | 718 |
| Net interest margin | 3.5172% | 3,764 |
| Noninterest income to average assets | 0.5617% | 3,125 |
| Noninterest expense to average assets | 2.7946% | 3,485 |
| Loan and lease loss provision to assets | 0.5253% | 279 |
| Net operating income to assets | 0.3263% | 5,507 |
| Return on assets (ROA) | 0.5503% | 4,751 |
| Pretax return on assets | 0.6950% | 4,718 |
| Return on Equity (ROE) | 5.3997% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.3997% | 2,827 |
| Net charge-offs to loans | 0.6988% | 497 |
| Credit loss provision to net charge-offs | 132.1138% | 1,754 |
| Earnings coverage of net charge-offs (x) | 2.3557% | 3,937 |
| Efficiency ratio | 74.8971% | 2,678 |
| Assets per employee ($millions) | 3.6932% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 2,974 |
| Loan loss allowance to noncurrent loans | 59.5981% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.3365% | 1,161 |
| Noncurrent loans to loans | 2.4226% | 1,227 |
| Net loans and leases to total assets | 57.2567% | 4,174 |
| Net loans and leases to deposits | 71.1420% | 3,778 |
| Net loans and leases to core deposits | 81.6222% | 3,135 |
| Total domestic deposits to total assets | 80.4822% | 4,969 |
| Equity capital to assets | 10.3753% | 3,704 |
| Core capital (leverage) ratio | 9.7139% | 4,056 |
| Tier 1 risk-based capital ratio | 15.2731% | 3,433 |
| Total risk-based capital ratio | 16.5285% | 3,374 |
| Memoranda: | ||
| Average total assets | $164,983,000 | 3,439 |
| Average earning assets | $148,676,000 | 3,494 |
| Average equity | $16,815,500 | 3,571 |
| Average total loans | $93,874,750 | 3,587 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,435 |
| Cost of funding earning assets | 0.7990% | 708 |
| Net interest margin | 3.5394% | 3,613 |
| Noninterest income to average assets | 0.5991% | 2,817 |
| Noninterest expense to average assets | 2.8071% | 3,477 |
| Loan and lease loss provision to assets | 0.6246% | 227 |
| Net operating income to assets | 0.4338% | 5,081 |
| Return on assets (ROA) | 0.5541% | 4,681 |
| Pretax return on assets | 0.4691% | 5,366 |
| Return on Equity (ROE) | 5.4699% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.4699% | 2,652 |
| Net charge-offs to loans | 0.6238% | 627 |
| Credit loss provision to net charge-offs | 177.2414% | 1,290 |
| Earnings coverage of net charge-offs (x) | 2.7621% | 3,472 |
| Efficiency ratio | 74.2527% | 2,930 |
| Assets per employee ($millions) | 3.7940% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 2,807 |
| Loan loss allowance to noncurrent loans | 59.2698% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.8197% | 929 |
| Noncurrent loans to loans | 2.5632% | 1,203 |
| Net loans and leases to total assets | 56.7338% | 4,151 |
| Net loans and leases to deposits | 70.9397% | 3,706 |
| Net loans and leases to core deposits | 81.2798% | 3,066 |
| Total domestic deposits to total assets | 79.9747% | 5,240 |
| Equity capital to assets | 10.2609% | 3,748 |
| Core capital (leverage) ratio | 9.4293% | 4,429 |
| Tier 1 risk-based capital ratio | 15.0698% | 3,597 |
| Total risk-based capital ratio | 16.3221% | 3,542 |
| Memoranda: | ||
| Average total assets | $164,580,000 | 3,471 |
| Average earning assets | $147,936,000 | 3,518 |
| Average equity | $16,673,000 | 3,588 |
| Average total loans | $92,983,000 | 3,618 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 2,476 |
| Cost of funding earning assets | 0.8144% | 694 |
| Net interest margin | 3.4975% | 3,704 |
| Noninterest income to average assets | 0.5508% | 3,042 |
| Noninterest expense to average assets | 2.6878% | 3,973 |
| Loan and lease loss provision to assets | 0.5508% | 250 |
| Net operating income to assets | 0.4146% | 5,068 |
| Return on assets (ROA) | 0.3990% | 5,190 |
| Pretax return on assets | 0.4382% | 5,337 |
| Return on Equity (ROE) | 3.9647% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.9647% | 3,735 |
| Net charge-offs to loans | 0.8710% | 400 |
| Credit loss provision to net charge-offs | 113.0653% | 1,514 |
| Earnings coverage of net charge-offs (x) | 2.0653% | 2,959 |
| Efficiency ratio | 72.7634% | 3,347 |
| Assets per employee ($millions) | 3.6545% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 3,694 |
| Loan loss allowance to noncurrent loans | 49.8028% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.9632% | 973 |
| Noncurrent loans to loans | 2.7730% | 1,211 |
| Net loans and leases to total assets | 54.8431% | 4,299 |
| Net loans and leases to deposits | 68.4736% | 3,805 |
| Net loans and leases to core deposits | 78.4199% | 3,159 |
| Total domestic deposits to total assets | 80.0938% | 5,466 |
| Equity capital to assets | 10.1343% | 3,677 |
| Core capital (leverage) ratio | 9.4313% | 4,375 |
| Tier 1 risk-based capital ratio | 15.4670% | 3,455 |
| Total risk-based capital ratio | 16.7176% | 3,418 |
| Memoranda: | ||
| Average total assets | $163,403,000 | 3,508 |
| Average earning assets | $146,848,500 | 3,567 |
| Average equity | $16,445,000 | 3,628 |
| Average total loans | $91,390,000 | 3,675 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 2,244 |
| Cost of funding earning assets | 0.9132% | 688 |
| Net interest margin | 3.5778% | 3,559 |
| Noninterest income to average assets | 0.5726% | 3,260 |
| Noninterest expense to average assets | 3.0262% | 2,975 |
| Loan and lease loss provision to assets | 0.1221% | 2,787 |
| Net operating income to assets | 0.6259% | 4,128 |
| Return on assets (ROA) | 0.6548% | 4,112 |
| Pretax return on assets | 0.6690% | 4,640 |
| Return on Equity (ROE) | 6.1193% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.9634% | 3,379 |
| Net charge-offs to loans | 0.7251% | 888 |
| Credit loss provision to net charge-offs | 32.4786% | 4,195 |
| Earnings coverage of net charge-offs (x) | 2.0256% | 4,371 |
| Efficiency ratio | 79.8948% | 2,163 |
| Assets per employee ($millions) | 3.6079% | 4,662 |
| Cash dividends to net income (ytd only)* | 35.2306% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,871 |
| Loan loss allowance to noncurrent loans | 48.7584% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 2.9614% | 1,076 |
| Noncurrent loans to loans | 2.7779% | 1,279 |
| Net loans and leases to total assets | 55.4895% | 4,384 |
| Net loans and leases to deposits | 68.8298% | 3,931 |
| Net loans and leases to core deposits | 78.3855% | 3,312 |
| Total domestic deposits to total assets | 80.6184% | 5,289 |
| Equity capital to assets | 9.9929% | 3,783 |
| Core capital (leverage) ratio | 9.4533% | 4,332 |
| Tier 1 risk-based capital ratio | 15.3364% | 3,458 |
| Total risk-based capital ratio | 16.5869% | 3,413 |
| Memoranda: | ||
| Average total assets | $155,610,200 | 3,620 |
| Average earning assets | $139,834,800 | 3,668 |
| Average equity | $16,652,200 | 3,602 |
| Average total loans | $80,673,800 | 3,915 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 2,265 |
| Cost of funding earning assets | 0.9300% | 706 |
| Net interest margin | 3.5619% | 3,610 |
| Noninterest income to average assets | 0.5691% | 3,343 |
| Noninterest expense to average assets | 3.0534% | 2,811 |
| Loan and lease loss provision to assets | 0.0996% | 3,098 |
| Net operating income to assets | 0.6505% | 4,123 |
| Return on assets (ROA) | 0.6808% | 4,097 |
| Pretax return on assets | 0.6445% | 4,867 |
| Return on Equity (ROE) | 6.2531% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.4337% | 2,773 |
| Net charge-offs to loans | 0.9229% | 630 |
| Credit loss provision to net charge-offs | 21.2963% | 4,053 |
| Earnings coverage of net charge-offs (x) | 1.5259% | 4,328 |
| Efficiency ratio | 81.0531% | 1,960 |
| Assets per employee ($millions) | 3.8813% | 4,069 |
| Cash dividends to net income (ytd only)* | 13.1044% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,550 |
| Loan loss allowance to noncurrent loans | 44.2611% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 3.2206% | 1,105 |
| Noncurrent loans to loans | 3.3384% | 1,165 |
| Net loans and leases to total assets | 50.5731% | 5,066 |
| Net loans and leases to deposits | 61.1814% | 4,850 |
| Net loans and leases to core deposits | 69.7734% | 4,350 |
| Total domestic deposits to total assets | 82.6609% | 4,698 |
| Equity capital to assets | 10.3185% | 3,480 |
| Core capital (leverage) ratio | 10.5551% | 2,948 |
| Tier 1 risk-based capital ratio | 17.3543% | 2,556 |
| Total risk-based capital ratio | 18.6052% | 2,530 |
| Memoranda: | ||
| Average total assets | $153,924,000 | 3,674 |
| Average earning assets | $138,200,000 | 3,733 |
| Average equity | $16,759,250 | 3,636 |
| Average total loans | $78,010,500 | 4,028 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 2,042 |
| Cost of funding earning assets | 0.9476% | 719 |
| Net interest margin | 3.5990% | 3,358 |
| Noninterest income to average assets | 0.5506% | 3,496 |
| Noninterest expense to average assets | 3.0423% | 2,866 |
| Loan and lease loss provision to assets | 0.1248% | 2,761 |
| Net operating income to assets | 0.6571% | 4,030 |
| Return on assets (ROA) | 0.7057% | 3,950 |
| Pretax return on assets | 0.6663% | 4,794 |
| Return on Equity (ROE) | 6.3655% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.1445% | 2,961 |
| Net charge-offs to loans | 1.3961% | 402 |
| Credit loss provision to net charge-offs | 17.7239% | 3,771 |
| Earnings coverage of net charge-offs (x) | 1.0541% | 4,183 |
| Efficiency ratio | 80.3819% | 2,102 |
| Assets per employee ($millions) | 3.3988% | 5,061 |
| Cash dividends to net income (ytd only)* | 19.1806% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 3,322 |
| Loan loss allowance to noncurrent loans | 41.9958% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 3.4002% | 1,143 |
| Noncurrent loans to loans | 3.7122% | 1,098 |
| Net loans and leases to total assets | 48.1016% | 5,321 |
| Net loans and leases to deposits | 56.6956% | 5,277 |
| Net loans and leases to core deposits | 64.8811% | 4,803 |
| Total domestic deposits to total assets | 84.8420% | 3,971 |
| Equity capital to assets | 10.5650% | 3,217 |
| Core capital (leverage) ratio | 10.6664% | 2,699 |
| Tier 1 risk-based capital ratio | 16.9588% | 2,733 |
| Total risk-based capital ratio | 18.2093% | 2,703 |
| Memoranda: | ||
| Average total assets | $152,188,000 | 3,729 |
| Average earning assets | $136,760,000 | 3,779 |
| Average equity | $16,872,330 | 3,643 |
| Average total loans | $76,785,670 | 4,078 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 2,018 |
| Cost of funding earning assets | 0.9673% | 719 |
| Net interest margin | 3.5734% | 3,370 |
| Noninterest income to average assets | 0.5143% | 3,683 |
| Noninterest expense to average assets | 3.0058% | 2,973 |
| Loan and lease loss provision to assets | 0.1999% | 1,862 |
| Net operating income to assets | 0.5010% | 4,652 |
| Return on assets (ROA) | 0.5010% | 4,804 |
| Pretax return on assets | 0.5276% | 5,181 |
| Return on Equity (ROE) | 4.4107% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.4107% | 3,589 |
| Net charge-offs to loans | 0.0779% | 3,060 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,273 |
| Efficiency ratio | 80.5139% | 2,248 |
| Assets per employee ($millions) | 3.2790% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1963% | 1,591 |
| Loan loss allowance to noncurrent loans | 37.6754% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 4.0501% | 976 |
| Noncurrent loans to loans | 5.8296% | 582 |
| Net loans and leases to total assets | 49.9523% | 5,002 |
| Net loans and leases to deposits | 57.3065% | 5,106 |
| Net loans and leases to core deposits | 65.6010% | 4,579 |
| Total domestic deposits to total assets | 87.1669% | 2,853 |
| Equity capital to assets | 11.3507% | 2,582 |
| Core capital (leverage) ratio | 10.8192% | 2,434 |
| Tier 1 risk-based capital ratio | 17.5868% | 2,525 |
| Total risk-based capital ratio | 18.8465% | 2,491 |
| Memoranda: | ||
| Average total assets | $150,109,000 | 3,805 |
| Average earning assets | $135,223,000 | 3,844 |
| Average equity | $17,049,500 | 3,663 |
| Average total loans | $76,980,500 | 4,102 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 2,179 |
| Cost of funding earning assets | 1.1511% | 730 |
| Net interest margin | 3.6519% | 3,863 |
| Noninterest income to average assets | 0.6028% | 3,263 |
| Noninterest expense to average assets | 2.8607% | 3,809 |
| Loan and lease loss provision to assets | 0.8164% | 587 |
| Net operating income to assets | 0.1920% | 5,802 |
| Return on assets (ROA) | 0.3344% | 5,562 |
| Pretax return on assets | 0.3337% | 5,756 |
| Return on Equity (ROE) | 3.0647% | 5,533 |
| Retained earnings to average equity (ytd only) | -0.9218% | 6,004 |
| Net charge-offs to loans | 1.1319% | 919 |
| Credit loss provision to net charge-offs | 142.0455% | 1,928 |
| Earnings coverage of net charge-offs (x) | 1.7534% | 4,558 |
| Efficiency ratio | 73.9490% | 3,079 |
| Assets per employee ($millions) | 3.1121% | 5,819 |
| Cash dividends to net income (ytd only)* | 130.0781% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 1,705 |
| Loan loss allowance to noncurrent loans | 43.9300% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 3.5151% | 1,285 |
| Noncurrent loans to loans | 4.8295% | 847 |
| Net loans and leases to total assets | 50.4017% | 5,113 |
| Net loans and leases to deposits | 57.9215% | 5,246 |
| Net loans and leases to core deposits | 66.4346% | 4,698 |
| Total domestic deposits to total assets | 87.0172% | 2,837 |
| Equity capital to assets | 11.3655% | 2,573 |
| Core capital (leverage) ratio | 10.5203% | 2,739 |
| Tier 1 risk-based capital ratio | 17.5620% | 2,435 |
| Total risk-based capital ratio | 18.8216% | 2,399 |
| Memoranda: | ||
| Average total assets | $153,109,200 | 3,724 |
| Average earning assets | $136,914,200 | 3,776 |
| Average equity | $16,706,400 | 3,674 |
| Average total loans | $77,747,400 | 4,099 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 2,111 |
| Cost of funding earning assets | 1.1882% | 729 |
| Net interest margin | 3.6859% | 3,855 |
| Noninterest income to average assets | 0.6102% | 3,210 |
| Noninterest expense to average assets | 3.0614% | 3,009 |
| Loan and lease loss provision to assets | 0.6370% | 832 |
| Net operating income to assets | 0.1999% | 5,917 |
| Return on assets (ROA) | 0.1965% | 6,095 |
| Pretax return on assets | 0.1973% | 6,128 |
| Return on Equity (ROE) | 1.8190% | 6,072 |
| Retained earnings to average equity (ytd only) | -0.9295% | 6,262 |
| Net charge-offs to loans | 0.4823% | 2,168 |
| Credit loss provision to net charge-offs | 260.9929% | 1,057 |
| Earnings coverage of net charge-offs (x) | 3.4326% | 3,647 |
| Efficiency ratio | 78.5128% | 2,313 |
| Assets per employee ($millions) | 3.2625% | 5,517 |
| Cash dividends to net income (ytd only)* | 151.1002% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2397% | 1,629 |
| Loan loss allowance to noncurrent loans | 60.7219% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 2.9263% | 1,792 |
| Noncurrent loans to loans | 3.6885% | 1,449 |
| Net loans and leases to total assets | 48.8470% | 5,447 |
| Net loans and leases to deposits | 55.9992% | 5,634 |
| Net loans and leases to core deposits | 63.9586% | 5,151 |
| Total domestic deposits to total assets | 87.2280% | 2,542 |
| Equity capital to assets | 11.1187% | 3,132 |
| Core capital (leverage) ratio | 10.5539% | 2,857 |
| Tier 1 risk-based capital ratio | 16.7907% | 2,847 |
| Total risk-based capital ratio | 18.0494% | 2,795 |
| Memoranda: | ||
| Average total assets | $154,041,000 | 3,752 |
| Average earning assets | $137,458,000 | 3,801 |
| Average equity | $16,638,500 | 3,713 |
| Average total loans | $77,953,500 | 4,139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 1,930 |
| Cost of funding earning assets | 1.2405% | 680 |
| Net interest margin | 3.7084% | 3,779 |
| Noninterest income to average assets | 0.5769% | 3,398 |
| Noninterest expense to average assets | 3.0439% | 3,112 |
| Loan and lease loss provision to assets | 0.9049% | 513 |
| Net operating income to assets | -0.0458% | 6,376 |
| Return on assets (ROA) | -0.0506% | 6,501 |
| Pretax return on assets | -0.0687% | 6,494 |
| Return on Equity (ROE) | -0.4727% | 6,498 |
| Retained earnings to average equity (ytd only) | -4.6298% | 6,597 |
| Net charge-offs to loans | 0.4975% | 2,094 |
| Credit loss provision to net charge-offs | 357.9487% | 817 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,416 |
| Efficiency ratio | 78.3189% | 2,418 |
| Assets per employee ($millions) | 3.2969% | 5,452 |
| Cash dividends to net income (ytd only)* | -879.4872% | 7,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 1,601 |
| Loan loss allowance to noncurrent loans | 67.9369% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.7912% | 1,973 |
| Noncurrent loans to loans | 3.3757% | 1,717 |
| Net loans and leases to total assets | 48.5289% | 5,561 |
| Net loans and leases to deposits | 55.2614% | 5,738 |
| Net loans and leases to core deposits | 64.1574% | 5,196 |
| Total domestic deposits to total assets | 87.8170% | 2,270 |
| Equity capital to assets | 10.7039% | 3,451 |
| Core capital (leverage) ratio | 10.2919% | 3,059 |
| Tier 1 risk-based capital ratio | 16.5947% | 2,861 |
| Total risk-based capital ratio | 17.8544% | 2,816 |
| Memoranda: | ||
| Average total assets | $154,276,000 | 3,764 |
| Average earning assets | $137,688,670 | 3,817 |
| Average equity | $16,501,670 | 3,727 |
| Average total loans | $78,399,330 | 4,143 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 1,697 |
| Cost of funding earning assets | 1.2537% | 767 |
| Net interest margin | 3.8045% | 3,376 |
| Noninterest income to average assets | 0.4807% | 4,055 |
| Noninterest expense to average assets | 3.2481% | 2,444 |
| Loan and lease loss provision to assets | 1.6058% | 209 |
| Net operating income to assets | -0.8845% | 6,978 |
| Return on assets (ROA) | -0.8965% | 6,994 |
| Pretax return on assets | -0.9796% | 6,974 |
| Return on Equity (ROE) | -8.3842% | 6,958 |
| Retained earnings to average equity (ytd only) | -8.3842% | 6,778 |
| Net charge-offs to loans | 0.3741% | 2,183 |
| Credit loss provision to net charge-offs | 835.1351% | 416 |
| Earnings coverage of net charge-offs (x) | 3.3243% | 2,879 |
| Efficiency ratio | 83.5561% | 1,730 |
| Assets per employee ($millions) | 3.2415% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2747% | 1,725 |
| Loan loss allowance to noncurrent loans | 71.8663% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.6065% | 2,267 |
| Noncurrent loans to loans | 3.1652% | 2,030 |
| Net loans and leases to total assets | 50.9271% | 5,174 |
| Net loans and leases to deposits | 57.8544% | 5,392 |
| Net loans and leases to core deposits | 67.2894% | 4,761 |
| Total domestic deposits to total assets | 88.0263% | 2,303 |
| Equity capital to assets | 10.6281% | 3,352 |
| Core capital (leverage) ratio | 10.4234% | 2,844 |
| Tier 1 risk-based capital ratio | 16.0872% | 3,131 |
| Total risk-based capital ratio | 17.3219% | 3,103 |
| Memoranda: | ||
| Average total assets | $153,937,500 | 3,807 |
| Average earning assets | $137,837,000 | 3,852 |
| Average equity | $16,459,500 | 3,738 |
| Average total loans | $79,118,000 | 4,146 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 2,014 |
| Cost of funding earning assets | 1.3830% | 1,110 |
| Net interest margin | 3.8271% | 3,688 |
| Noninterest income to average assets | 0.6471% | 2,908 |
| Noninterest expense to average assets | 3.8756% | 1,219 |
| Loan and lease loss provision to assets | 0.5831% | 1,773 |
| Net operating income to assets | -0.0860% | 6,151 |
| Return on assets (ROA) | 0.1120% | 5,964 |
| Pretax return on assets | -0.0874% | 6,206 |
| Return on Equity (ROE) | 1.0756% | 5,950 |
| Retained earnings to average equity (ytd only) | -2.2507% | 6,182 |
| Net charge-offs to loans | 0.5676% | 2,751 |
| Credit loss provision to net charge-offs | 207.6037% | 1,190 |
| Earnings coverage of net charge-offs (x) | 0.6636% | 5,321 |
| Efficiency ratio | 95.4118% | 849 |
| Assets per employee ($millions) | 3.1740% | 5,761 |
| Cash dividends to net income (ytd only)* | 309.2486% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 3,587 |
| Loan loss allowance to noncurrent loans | 47.7488% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.7867% | 2,177 |
| Noncurrent loans to loans | 3.3523% | 1,931 |
| Net loans and leases to total assets | 49.8830% | 5,599 |
| Net loans and leases to deposits | 56.8031% | 5,814 |
| Net loans and leases to core deposits | 65.5768% | 5,310 |
| Total domestic deposits to total assets | 87.8173% | 2,268 |
| Equity capital to assets | 10.7553% | 3,237 |
| Core capital (leverage) ratio | 10.2637% | 3,009 |
| Tier 1 risk-based capital ratio | 16.4979% | 2,822 |
| Total risk-based capital ratio | 17.7500% | 2,787 |
| Memoranda: | ||
| Average total assets | $154,529,800 | 3,728 |
| Average earning assets | $137,886,400 | 3,788 |
| Average equity | $16,084,000 | 3,713 |
| Average total loans | $76,466,400 | 4,254 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 2,063 |
| Cost of funding earning assets | 1.3915% | 1,268 |
| Net interest margin | 3.8486% | 3,623 |
| Noninterest income to average assets | 0.6836% | 2,706 |
| Noninterest expense to average assets | 4.2424% | 759 |
| Loan and lease loss provision to assets | 0.7043% | 1,363 |
| Net operating income to assets | -0.5658% | 6,674 |
| Return on assets (ROA) | -0.2973% | 6,548 |
| Pretax return on assets | -0.4382% | 6,586 |
| Return on Equity (ROE) | -2.8804% | 6,552 |
| Retained earnings to average equity (ytd only) | -4.3039% | 6,538 |
| Net charge-offs to loans | 0.5729% | 2,528 |
| Credit loss provision to net charge-offs | 250.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | -0.4570% | 5,818 |
| Efficiency ratio | 103.1303% | 577 |
| Assets per employee ($millions) | 3.2303% | 5,610 |
| Cash dividends to net income (ytd only)* | -49.4179% | 7,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 3,360 |
| Loan loss allowance to noncurrent loans | 51.8578% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.5226% | 2,560 |
| Noncurrent loans to loans | 3.2291% | 2,146 |
| Net loans and leases to total assets | 47.6306% | 6,000 |
| Net loans and leases to deposits | 54.2115% | 6,195 |
| Net loans and leases to core deposits | 71.2875% | 4,806 |
| Total domestic deposits to total assets | 87.8607% | 2,122 |
| Equity capital to assets | 10.5321% | 3,665 |
| Core capital (leverage) ratio | 10.2102% | 3,180 |
| Tier 1 risk-based capital ratio | 16.6549% | 2,781 |
| Total risk-based capital ratio | 17.9061% | 2,750 |
| Memoranda: | ||
| Average total assets | $154,281,250 | 3,754 |
| Average earning assets | $137,500,250 | 3,811 |
| Average equity | $15,923,250 | 3,753 |
| Average total loans | $75,872,500 | 4,322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 1,885 |
| Cost of funding earning assets | 1.3834% | 1,486 |
| Net interest margin | 3.9177% | 3,229 |
| Noninterest income to average assets | 0.8356% | 1,862 |
| Noninterest expense to average assets | 4.6016% | 532 |
| Loan and lease loss provision to assets | 0.9807% | 896 |
| Net operating income to assets | -1.0324% | 6,948 |
| Return on assets (ROA) | -1.0291% | 6,958 |
| Pretax return on assets | -1.2397% | 6,978 |
| Return on Equity (ROE) | -10.0421% | 6,941 |
| Retained earnings to average equity (ytd only) | -12.2113% | 6,946 |
| Net charge-offs to loans | 0.7910% | 1,924 |
| Credit loss provision to net charge-offs | 250.8361% | 1,203 |
| Earnings coverage of net charge-offs (x) | -0.6722% | 5,573 |
| Efficiency ratio | 106.0579% | 557 |
| Assets per employee ($millions) | 3.2202% | 5,597 |
| Cash dividends to net income (ytd only)* | -21.6010% | 7,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 3,556 |
| Loan loss allowance to noncurrent loans | 50.9611% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.8026% | 2,393 |
| Noncurrent loans to loans | 3.2100% | 2,233 |
| Net loans and leases to total assets | 48.4725% | 5,995 |
| Net loans and leases to deposits | 54.8184% | 6,241 |
| Net loans and leases to core deposits | 72.8589% | 4,730 |
| Total domestic deposits to total assets | 88.4239% | 1,906 |
| Equity capital to assets | 10.1211% | 3,987 |
| Core capital (leverage) ratio | 9.9916% | 3,275 |
| Tier 1 risk-based capital ratio | 15.9922% | 2,980 |
| Total risk-based capital ratio | 17.2148% | 2,959 |
| Memoranda: | ||
| Average total assets | $152,946,000 | 3,801 |
| Average earning assets | $136,763,330 | 3,842 |
| Average equity | $15,674,000 | 3,789 |
| Average total loans | $75,604,330 | 4,362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3282% | 1,788 |
| Cost of funding earning assets | 1.3099% | 2,120 |
| Net interest margin | 4.0183% | 2,614 |
| Noninterest income to average assets | 0.5258% | 3,688 |
| Noninterest expense to average assets | 3.1577% | 3,036 |
| Loan and lease loss provision to assets | 0.3549% | 2,423 |
| Net operating income to assets | 0.5085% | 4,459 |
| Return on assets (ROA) | 0.5153% | 4,513 |
| Pretax return on assets | 0.6021% | 4,678 |
| Return on Equity (ROE) | 4.9971% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.9971% | 3,201 |
| Net charge-offs to loans | 0.4248% | 2,422 |
| Credit loss provision to net charge-offs | 168.7500% | 1,710 |
| Earnings coverage of net charge-offs (x) | 4.5125% | 2,462 |
| Efficiency ratio | 76.8886% | 2,998 |
| Assets per employee ($millions) | 3.1117% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,911 |
| Loan loss allowance to noncurrent loans | 30.0141% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 3.8125% | 1,768 |
| Noncurrent loans to loans | 3.7788% | 1,946 |
| Net loans and leases to total assets | 48.5955% | 6,008 |
| Net loans and leases to deposits | 55.0667% | 6,211 |
| Net loans and leases to core deposits | 73.3091% | 4,615 |
| Total domestic deposits to total assets | 88.2484% | 2,223 |
| Equity capital to assets | 10.3684% | 3,327 |
| Core capital (leverage) ratio | 10.8713% | 2,296 |
| Tier 1 risk-based capital ratio | 17.5119% | 2,289 |
| Total risk-based capital ratio | 18.4114% | 2,391 |
| Memoranda: | ||
| Average total assets | $152,135,000 | 3,845 |
| Average earning assets | $135,579,500 | 3,907 |
| Average equity | $15,689,000 | 3,782 |
| Average total loans | $75,322,000 | 4,411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 1,360 |
| Cost of funding earning assets | 1.5526% | 2,343 |
| Net interest margin | 4.2153% | 2,124 |
| Noninterest income to average assets | 0.6148% | 3,381 |
| Noninterest expense to average assets | 3.2561% | 2,889 |
| Loan and lease loss provision to assets | 0.3289% | 4,181 |
| Net operating income to assets | 0.6905% | 3,267 |
| Return on assets (ROA) | 0.7920% | 2,973 |
| Pretax return on assets | 0.8834% | 3,364 |
| Return on Equity (ROE) | 7.0569% | 3,088 |
| Retained earnings to average equity (ytd only) | 2.1220% | 4,400 |
| Net charge-offs to loans | 0.5323% | 3,489 |
| Credit loss provision to net charge-offs | 114.7343% | 3,784 |
| Earnings coverage of net charge-offs (x) | 3.8357% | 3,168 |
| Efficiency ratio | 74.7576% | 3,242 |
| Assets per employee ($millions) | 2.9764% | 6,154 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 6,145 |
| Loan loss allowance to noncurrent loans | 30.1937% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 3.7102% | 1,852 |
| Noncurrent loans to loans | 3.4782% | 2,177 |
| Net loans and leases to total assets | 49.3448% | 6,235 |
| Net loans and leases to deposits | 56.7596% | 6,374 |
| Net loans and leases to core deposits | 76.2793% | 4,667 |
| Total domestic deposits to total assets | 86.9365% | 2,861 |
| Equity capital to assets | 10.2565% | 3,438 |
| Core capital (leverage) ratio | 10.6152% | 2,450 |
| Tier 1 risk-based capital ratio | 17.1839% | 2,279 |
| Total risk-based capital ratio | 18.0201% | 2,400 |
| Memoranda: | ||
| Average total assets | $144,438,600 | 3,978 |
| Average earning assets | $128,174,800 | 4,060 |
| Average equity | $16,211,000 | 3,716 |
| Average total loans | $77,781,400 | 4,398 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8037% | 1,389 |
| Cost of funding earning assets | 1.5777% | 2,523 |
| Net interest margin | 4.2259% | 2,118 |
| Noninterest income to average assets | 0.6078% | 3,387 |
| Noninterest expense to average assets | 3.2893% | 2,606 |
| Loan and lease loss provision to assets | 0.3039% | 4,147 |
| Net operating income to assets | 0.7212% | 3,318 |
| Return on assets (ROA) | 0.7798% | 3,251 |
| Pretax return on assets | 0.8228% | 3,825 |
| Return on Equity (ROE) | 6.7921% | 3,433 |
| Retained earnings to average equity (ytd only) | 4.9841% | 3,001 |
| Net charge-offs to loans | 0.6913% | 2,692 |
| Credit loss provision to net charge-offs | 80.0493% | 5,132 |
| Earnings coverage of net charge-offs (x) | 2.8054% | 3,737 |
| Efficiency ratio | 75.5422% | 3,028 |
| Assets per employee ($millions) | 3.0085% | 6,126 |
| Cash dividends to net income (ytd only)* | 26.6185% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 6,895 |
| Loan loss allowance to noncurrent loans | 22.7685% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 3.8400% | 1,847 |
| Noncurrent loans to loans | 3.7249% | 2,087 |
| Net loans and leases to total assets | 49.7556% | 6,349 |
| Net loans and leases to deposits | 57.9401% | 6,462 |
| Net loans and leases to core deposits | 67.2187% | 6,016 |
| Total domestic deposits to total assets | 85.8742% | 3,144 |
| Equity capital to assets | 11.3754% | 2,625 |
| Core capital (leverage) ratio | 11.6895% | 1,826 |
| Tier 1 risk-based capital ratio | 18.6367% | 1,837 |
| Total risk-based capital ratio | 19.3696% | 1,950 |
| Memoranda: | ||
| Average total assets | $142,599,000 | 4,067 |
| Average earning assets | $126,423,000 | 4,147 |
| Average equity | $16,371,500 | 3,742 |
| Average total loans | $78,302,000 | 4,454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9903% | 970 |
| Cost of funding earning assets | 1.5981% | 2,668 |
| Net interest margin | 4.3922% | 1,470 |
| Noninterest income to average assets | 0.6260% | 3,159 |
| Noninterest expense to average assets | 3.3485% | 2,412 |
| Loan and lease loss provision to assets | 0.2878% | 4,092 |
| Net operating income to assets | 0.7750% | 3,090 |
| Return on assets (ROA) | 0.8605% | 2,835 |
| Pretax return on assets | 0.9526% | 3,303 |
| Return on Equity (ROE) | 7.4700% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.6969% | 3,089 |
| Net charge-offs to loans | 0.6299% | 2,651 |
| Credit loss provision to net charge-offs | 80.6452% | 4,694 |
| Earnings coverage of net charge-offs (x) | 3.2097% | 3,406 |
| Efficiency ratio | 74.5117% | 3,368 |
| Assets per employee ($millions) | 2.9404% | 6,274 |
| Cash dividends to net income (ytd only)* | 37.1237% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 6,816 |
| Loan loss allowance to noncurrent loans | 45.6117% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 3.2259% | 2,187 |
| Noncurrent loans to loans | 1.9348% | 3,817 |
| Net loans and leases to total assets | 54.5909% | 5,903 |
| Net loans and leases to deposits | 65.8299% | 5,826 |
| Net loans and leases to core deposits | 66.7238% | 6,186 |
| Total domestic deposits to total assets | 82.9272% | 4,603 |
| Equity capital to assets | 11.6383% | 2,329 |
| Core capital (leverage) ratio | 11.9509% | 1,667 |
| Tier 1 risk-based capital ratio | 17.6485% | 2,056 |
| Total risk-based capital ratio | 18.3881% | 2,183 |
| Memoranda: | ||
| Average total assets | $138,986,670 | 4,159 |
| Average earning assets | $122,398,670 | 4,259 |
| Average equity | $16,010,670 | 3,800 |
| Average total loans | $78,737,330 | 4,482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0247% | 930 |
| Cost of funding earning assets | 1.6503% | 2,649 |
| Net interest margin | 4.3744% | 1,459 |
| Noninterest income to average assets | 0.5801% | 3,416 |
| Noninterest expense to average assets | 3.3645% | 2,331 |
| Loan and lease loss provision to assets | 0.2175% | 4,327 |
| Net operating income to assets | 0.7284% | 3,318 |
| Return on assets (ROA) | 0.7309% | 3,406 |
| Pretax return on assets | 0.8527% | 3,652 |
| Return on Equity (ROE) | 6.3785% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.3785% | 2,427 |
| Net charge-offs to loans | 0.0252% | 5,219 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 73.6000% | 424 |
| Efficiency ratio | 75.9162% | 3,230 |
| Assets per employee ($millions) | 2.6216% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 6,343 |
| Loan loss allowance to noncurrent loans | 45.6818% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 3.3661% | 2,111 |
| Noncurrent loans to loans | 2.2424% | 3,468 |
| Net loans and leases to total assets | 55.9096% | 5,755 |
| Net loans and leases to deposits | 67.4144% | 5,657 |
| Net loans and leases to core deposits | 69.0804% | 5,995 |
| Total domestic deposits to total assets | 82.9341% | 4,660 |
| Equity capital to assets | 11.5018% | 2,359 |
| Core capital (leverage) ratio | 11.9571% | 1,668 |
| Tier 1 risk-based capital ratio | 17.3909% | 2,108 |
| Total risk-based capital ratio | 18.2512% | 2,221 |
| Memoranda: | ||
| Average total assets | $137,911,500 | 4,232 |
| Average earning assets | $121,433,000 | 4,343 |
| Average equity | $15,803,000 | 3,867 |
| Average total loans | $79,239,000 | 4,533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3783% | 873 |
| Cost of funding earning assets | 1.9513% | 3,202 |
| Net interest margin | 4.4270% | 1,357 |
| Noninterest income to average assets | 0.6766% | 3,107 |
| Noninterest expense to average assets | 3.3788% | 2,748 |
| Loan and lease loss provision to assets | 0.3509% | 4,700 |
| Net operating income to assets | 0.7659% | 2,655 |
| Return on assets (ROA) | 0.8380% | 2,478 |
| Pretax return on assets | 0.9950% | 2,607 |
| Return on Equity (ROE) | 7.2838% | 2,674 |
| Retained earnings to average equity (ytd only) | 3.8156% | 2,529 |
| Net charge-offs to loans | 0.7248% | 3,019 |
| Credit loss provision to net charge-offs | 79.0000% | 6,308 |
| Earnings coverage of net charge-offs (x) | 2.8367% | 3,669 |
| Efficiency ratio | 72.8375% | 4,128 |
| Assets per employee ($millions) | 2.5826% | 7,066 |
| Cash dividends to net income (ytd only)* | 47.6148% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 6,737 |
| Loan loss allowance to noncurrent loans | 25.0085% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 4.3213% | 1,513 |
| Noncurrent loans to loans | 3.6692% | 2,049 |
| Net loans and leases to total assets | 57.9030% | 5,678 |
| Net loans and leases to deposits | 69.9032% | 5,618 |
| Net loans and leases to core deposits | 80.9687% | 6,002 |
| Total domestic deposits to total assets | 82.8330% | 4,594 |
| Equity capital to assets | 11.4152% | 2,380 |
| Core capital (leverage) ratio | 11.8096% | 1,752 |
| Tier 1 risk-based capital ratio | 17.2179% | 2,097 |
| Total risk-based capital ratio | 18.0079% | 2,188 |
| Memoranda: | ||
| Average total assets | $135,079,200 | 4,236 |
| Average earning assets | $120,894,400 | 4,292 |
| Average equity | $15,541,400 | 3,960 |
| Average total loans | $82,779,600 | 4,422 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3929% | 939 |
| Cost of funding earning assets | 2.0042% | 3,337 |
| Net interest margin | 4.3886% | 1,466 |
| Noninterest income to average assets | 0.6863% | 3,115 |
| Noninterest expense to average assets | 3.4019% | 2,571 |
| Loan and lease loss provision to assets | 0.3199% | 4,426 |
| Net operating income to assets | 0.7315% | 3,089 |
| Return on assets (ROA) | 0.7418% | 3,112 |
| Pretax return on assets | 0.9220% | 3,159 |
| Return on Equity (ROE) | 6.4343% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.0427% | 2,465 |
| Net charge-offs to loans | 0.5351% | 3,079 |
| Credit loss provision to net charge-offs | 96.4179% | 5,289 |
| Earnings coverage of net charge-offs (x) | 3.7045% | 3,411 |
| Efficiency ratio | 73.4602% | 3,964 |
| Assets per employee ($millions) | 2.5723% | 7,107 |
| Cash dividends to net income (ytd only)* | 21.6284% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 6,168 |
| Loan loss allowance to noncurrent loans | 25.4425% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 3.3763% | 1,988 |
| Noncurrent loans to loans | 4.0063% | 1,831 |
| Net loans and leases to total assets | 60.4008% | 5,522 |
| Net loans and leases to deposits | 73.2985% | 5,472 |
| Net loans and leases to core deposits | 85.2627% | 5,945 |
| Total domestic deposits to total assets | 82.4039% | 4,498 |
| Equity capital to assets | 11.8029% | 2,352 |
| Core capital (leverage) ratio | 11.8492% | 1,868 |
| Tier 1 risk-based capital ratio | 17.3192% | 2,177 |
| Total risk-based capital ratio | 18.2370% | 2,226 |
| Memoranda: | ||
| Average total assets | $134,629,250 | 4,266 |
| Average earning assets | $121,006,750 | 4,320 |
| Average equity | $15,520,500 | 4,000 |
| Average total loans | $83,476,750 | 4,435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3422% | 1,110 |
| Cost of funding earning assets | 2.0672% | 3,439 |
| Net interest margin | 4.2750% | 1,727 |
| Noninterest income to average assets | 0.6907% | 3,048 |
| Noninterest expense to average assets | 3.3492% | 2,797 |
| Loan and lease loss provision to assets | 0.2954% | 4,202 |
| Net operating income to assets | 0.7146% | 3,188 |
| Return on assets (ROA) | 0.7146% | 3,296 |
| Pretax return on assets | 0.8996% | 3,341 |
| Return on Equity (ROE) | 6.2491% | 3,535 |
| Retained earnings to average equity (ytd only) | 4.1356% | 2,989 |
| Net charge-offs to loans | 0.5074% | 2,805 |
| Credit loss provision to net charge-offs | 93.3962% | 4,816 |
| Earnings coverage of net charge-offs (x) | 3.7783% | 3,310 |
| Efficiency ratio | 73.7032% | 4,078 |
| Assets per employee ($millions) | 2.5579% | 7,129 |
| Cash dividends to net income (ytd only)* | 33.8205% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,154 |
| Loan loss allowance to noncurrent loans | 20.0142% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 3.7302% | 1,644 |
| Noncurrent loans to loans | 5.0482% | 1,213 |
| Net loans and leases to total assets | 61.1398% | 5,497 |
| Net loans and leases to deposits | 73.6300% | 5,515 |
| Net loans and leases to core deposits | 86.1637% | 5,887 |
| Total domestic deposits to total assets | 83.0366% | 4,221 |
| Equity capital to assets | 11.2217% | 2,739 |
| Core capital (leverage) ratio | 11.4692% | 2,105 |
| Tier 1 risk-based capital ratio | 16.9317% | 2,326 |
| Total risk-based capital ratio | 17.8430% | 2,369 |
| Memoranda: | ||
| Average total assets | $134,062,000 | 4,301 |
| Average earning assets | $120,841,000 | 4,349 |
| Average equity | $15,330,330 | 4,060 |
| Average total loans | $83,571,330 | 4,475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3842% | 1,101 |
| Cost of funding earning assets | 2.1425% | 3,450 |
| Net interest margin | 4.2417% | 1,771 |
| Noninterest income to average assets | 0.6211% | 3,404 |
| Noninterest expense to average assets | 3.1776% | 3,084 |
| Loan and lease loss provision to assets | 0.1860% | 4,581 |
| Net operating income to assets | 0.8762% | 2,816 |
| Return on assets (ROA) | 0.8762% | 2,958 |
| Pretax return on assets | 1.0772% | 3,070 |
| Return on Equity (ROE) | 7.5898% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.5898% | 1,985 |
| Net charge-offs to loans | 0.5222% | 2,154 |
| Credit loss provision to net charge-offs | 56.8807% | 4,573 |
| Earnings coverage of net charge-offs (x) | 3.8624% | 3,039 |
| Efficiency ratio | 71.5541% | 4,261 |
| Assets per employee ($millions) | 2.6278% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,327 |
| Loan loss allowance to noncurrent loans | 72.2025% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3909% | 3,861 |
| Noncurrent loans to loans | 1.3543% | 4,282 |
| Net loans and leases to total assets | 61.4298% | 5,425 |
| Net loans and leases to deposits | 74.3607% | 5,441 |
| Net loans and leases to core deposits | 87.8155% | 5,760 |
| Total domestic deposits to total assets | 82.6105% | 4,330 |
| Equity capital to assets | 11.6283% | 2,498 |
| Core capital (leverage) ratio | 11.7241% | 2,033 |
| Tier 1 risk-based capital ratio | 17.8131% | 2,097 |
| Total risk-based capital ratio | 18.7360% | 2,135 |
| Memoranda: | ||
| Average total assets | $133,309,000 | 4,342 |
| Average earning assets | $120,047,000 | 4,382 |
| Average equity | $15,389,000 | 4,067 |
| Average total loans | $83,491,000 | 4,513 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8145% | 1,629 |
| Cost of funding earning assets | 2.4898% | 4,259 |
| Net interest margin | 4.3247% | 1,903 |
| Noninterest income to average assets | 0.7721% | 2,658 |
| Noninterest expense to average assets | 3.2158% | 3,281 |
| Loan and lease loss provision to assets | 0.1304% | 5,699 |
| Net operating income to assets | 1.0453% | 2,379 |
| Return on assets (ROA) | 0.7863% | 3,339 |
| Pretax return on assets | 0.9905% | 3,411 |
| Return on Equity (ROE) | 7.0054% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.4197% | 3,013 |
| Net charge-offs to loans | 0.1880% | 4,313 |
| Credit loss provision to net charge-offs | 111.4650% | 4,839 |
| Earnings coverage of net charge-offs (x) | 12.3822% | 2,250 |
| Efficiency ratio | 68.9407% | 4,553 |
| Assets per employee ($millions) | 2.6000% | 7,002 |
| Cash dividends to net income (ytd only)* | 51.1848% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,811 |
| Loan loss allowance to noncurrent loans | 53.6494% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 2,984 |
| Noncurrent loans to loans | 1.9119% | 2,879 |
| Net loans and leases to total assets | 62.5807% | 5,525 |
| Net loans and leases to deposits | 75.6983% | 5,626 |
| Net loans and leases to core deposits | 89.4222% | 5,852 |
| Total domestic deposits to total assets | 82.6712% | 3,909 |
| Equity capital to assets | 11.4585% | 2,663 |
| Core capital (leverage) ratio | 11.5045% | 2,251 |
| Tier 1 risk-based capital ratio | 17.3939% | 2,208 |
| Total risk-based capital ratio | 18.3653% | 2,224 |
| Memoranda: | ||
| Average total assets | $134,180,000 | 4,201 |
| Average earning assets | $120,771,400 | 4,237 |
| Average equity | $15,059,800 | 4,127 |
| Average total loans | $83,521,000 | 4,413 |