Home > Legacy Bank & Trust Company > Performance and Condition Ratios
Legacy Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7969% | 839 |
| Cost of funding earning assets | 2.9659% | 155 |
| Net interest margin | 2.8310% | 3,604 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 1.8229% | 3,966 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 1.0669% | 2,018 |
| Return on assets (ROA) | 1.0669% | 1,986 |
| Pretax return on assets | 1.3075% | 1,851 |
| Return on Equity (ROE) | 9.6500% | 2,593 |
| Retained earnings to average equity (ytd only) | 9.6508% | 1,104 |
| Net charge-offs to loans | 0.0165% | 2,046 |
| Credit loss provision to net charge-offs | 2,294.6860% | 206 |
| Earnings coverage of net charge-offs (x) | 127.7343% | 788 |
| Efficiency ratio | 51.5576% | 3,871 |
| Assets per employee ($millions) | 10.6820% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 2,640 |
| Loan loss allowance to noncurrent loans | 119.8439% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 641 |
| Noncurrent loans to loans | 0.9452% | 786 |
| Net loans and leases to total assets | 83.3600% | 317 |
| Net loans and leases to deposits | 98.1081% | 647 |
| Net loans and leases to core deposits | 208.5404% | 73 |
| Total domestic deposits to total assets | 84.9700% | 2,322 |
| Equity capital to assets | 11.0212% | 1,473 |
| Core capital (leverage) ratio | 11.1499% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3869% | 2,458 |
| Memoranda: | ||
| Average total assets | $1,551,945,000 | 696 |
| Average earning assets | $1,472,517,800 | 673 |
| Average equity | $171,570,600 | 611 |
| Average total loans | $1,256,197,600 | 607 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6707% | 828 |
| Cost of funding earning assets | 2.7752% | 167 |
| Net interest margin | 2.8956% | 3,553 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 1.7748% | 4,025 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 1.1386% | 1,943 |
| Return on assets (ROA) | 1.1386% | 1,926 |
| Pretax return on assets | 1.4225% | 1,727 |
| Return on Equity (ROE) | 10.2900% | 2,560 |
| Retained earnings to average equity (ytd only) | 10.2903% | 1,324 |
| Net charge-offs to loans | 0.0224% | 1,644 |
| Credit loss provision to net charge-offs | 1,911.7647% | 246 |
| Earnings coverage of net charge-offs (x) | 105.3725% | 896 |
| Efficiency ratio | 48.2807% | 4,027 |
| Assets per employee ($millions) | 11.5811% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,802 |
| Loan loss allowance to noncurrent loans | 3,401.3363% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,531 |
| Noncurrent loans to loans | 0.0327% | 3,536 |
| Net loans and leases to total assets | 83.1500% | 354 |
| Net loans and leases to deposits | 96.5844% | 715 |
| Net loans and leases to core deposits | 221.9739% | 30 |
| Total domestic deposits to total assets | 86.0900% | 2,158 |
| Equity capital to assets | 10.7973% | 1,435 |
| Core capital (leverage) ratio | 11.1016% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2213% | 2,542 |
| Memoranda: | ||
| Average total assets | $1,517,993,000 | 715 |
| Average earning assets | $1,442,129,500 | 689 |
| Average equity | $167,960,500 | 616 |
| Average total loans | $1,214,491,000 | 621 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 865 |
| Cost of funding earning assets | 2.5705% | 168 |
| Net interest margin | 2.9055% | 3,635 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 1.7565% | 4,076 |
| Loan and lease loss provision to assets | 0.4900% | 151 |
| Net operating income to assets | 1.1659% | 1,929 |
| Return on assets (ROA) | 1.1659% | 1,922 |
| Pretax return on assets | 1.4663% | 1,660 |
| Return on Equity (ROE) | 10.4400% | 2,576 |
| Retained earnings to average equity (ytd only) | 10.4446% | 1,296 |
| Net charge-offs to loans | 0.0205% | 1,479 |
| Credit loss provision to net charge-offs | 2,689.0756% | 205 |
| Earnings coverage of net charge-offs (x) | 121.4118% | 841 |
| Efficiency ratio | 47.0903% | 4,111 |
| Assets per employee ($millions) | 11.7678% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 2,883 |
| Loan loss allowance to noncurrent loans | 3,557.5243% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,525 |
| Noncurrent loans to loans | 0.0313% | 3,517 |
| Net loans and leases to total assets | 83.7400% | 289 |
| Net loans and leases to deposits | 97.5728% | 636 |
| Net loans and leases to core deposits | 208.4266% | 33 |
| Total domestic deposits to total assets | 85.8200% | 2,291 |
| Equity capital to assets | 11.0735% | 1,362 |
| Core capital (leverage) ratio | 11.0305% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7026% | 2,403 |
| Memoranda: | ||
| Average total assets | $1,479,678,333 | 717 |
| Average earning assets | $1,406,628,000 | 692 |
| Average equity | $165,176,333 | 621 |
| Average total loans | $1,161,657,000 | 638 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 1,055 |
| Cost of funding earning assets | 2.2292% | 184 |
| Net interest margin | 2.8985% | 3,794 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 1.8098% | 4,011 |
| Loan and lease loss provision to assets | 0.3900% | 208 |
| Net operating income to assets | 1.1272% | 2,136 |
| Return on assets (ROA) | 1.1272% | 2,104 |
| Pretax return on assets | 1.3512% | 2,014 |
| Return on Equity (ROE) | 10.0500% | 2,772 |
| Retained earnings to average equity (ytd only) | 10.0545% | 1,686 |
| Net charge-offs to loans | 0.0424% | 932 |
| Credit loss provision to net charge-offs | 869.5652% | 393 |
| Earnings coverage of net charge-offs (x) | 54.5565% | 1,069 |
| Efficiency ratio | 48.5627% | 4,054 |
| Assets per employee ($millions) | 11.4766% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,084 |
| Loan loss allowance to noncurrent loans | 14,322.9885% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 3,837 |
| Noncurrent loans to loans | 0.0076% | 3,779 |
| Net loans and leases to total assets | 74.2800% | 1,166 |
| Net loans and leases to deposits | 85.8439% | 1,364 |
| Net loans and leases to core deposits | 187.7416% | 44 |
| Total domestic deposits to total assets | 86.5300% | 2,433 |
| Equity capital to assets | 10.6630% | 1,481 |
| Core capital (leverage) ratio | 11.2520% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5752% | 2,154 |
| Memoranda: | ||
| Average total assets | $1,442,840,500 | 738 |
| Average earning assets | $1,372,700,000 | 715 |
| Average equity | $161,759,000 | 639 |
| Average total loans | $1,084,788,000 | 681 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 692 |
| Cost of funding earning assets | 1.0573% | 135 |
| Net interest margin | 3.4654% | 2,050 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.9958% | 3,586 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.2917% | 1,463 |
| Return on assets (ROA) | 1.2917% | 1,421 |
| Pretax return on assets | 1.5246% | 1,384 |
| Return on Equity (ROE) | 12.2800% | 2,046 |
| Retained earnings to average equity (ytd only) | 12.2796% | 619 |
| Net charge-offs to loans | 0.0017% | 2,489 |
| Credit loss provision to net charge-offs | 18,300.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 1,293.7857% | 137 |
| Efficiency ratio | 50.4536% | 4,107 |
| Assets per employee ($millions) | 10.9496% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,025 |
| Loan loss allowance to noncurrent loans | 58,294.7368% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 3,939 |
| Noncurrent loans to loans | 0.0018% | 3,882 |
| Net loans and leases to total assets | 74.5800% | 1,171 |
| Net loans and leases to deposits | 86.4540% | 1,282 |
| Net loans and leases to core deposits | 174.1534% | 46 |
| Total domestic deposits to total assets | 86.2600% | 2,654 |
| Equity capital to assets | 11.8348% | 978 |
| Core capital (leverage) ratio | 12.3743% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7402% | 1,715 |
| Memoranda: | ||
| Average total assets | $1,020,027,600 | 963 |
| Average earning assets | $964,846,000 | 937 |
| Average equity | $107,299,600 | 903 |
| Average total loans | $811,177,800 | 813 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 624 |
| Cost of funding earning assets | 0.7088% | 254 |
| Net interest margin | 3.6592% | 1,246 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.1023% | 3,201 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.1521% | 1,885 |
| Return on assets (ROA) | 1.1521% | 1,859 |
| Pretax return on assets | 1.3511% | 1,881 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 11.4791% | 925 |
| Net charge-offs to loans | 0.0021% | 2,201 |
| Credit loss provision to net charge-offs | 17,158.3333% | 33 |
| Earnings coverage of net charge-offs (x) | 959.3333% | 159 |
| Efficiency ratio | 54.0597% | 3,817 |
| Assets per employee ($millions) | 9.5199% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 2,862 |
| Loan loss allowance to noncurrent loans | 11,131.5789% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,915 |
| Noncurrent loans to loans | 0.0102% | 3,871 |
| Net loans and leases to total assets | 80.6900% | 471 |
| Net loans and leases to deposits | 91.9116% | 768 |
| Net loans and leases to core deposits | 143.3334% | 88 |
| Total domestic deposits to total assets | 87.7900% | 2,489 |
| Equity capital to assets | 10.3130% | 1,459 |
| Core capital (leverage) ratio | 10.9025% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6558% | 2,597 |
| Memoranda: | ||
| Average total assets | $932,859,750 | 1,051 |
| Average earning assets | $879,740,500 | 1,026 |
| Average equity | $93,628,750 | 1,004 |
| Average total loans | $756,021,500 | 851 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 553 |
| Cost of funding earning assets | 0.5651% | 356 |
| Net interest margin | 3.6949% | 921 |
| Noninterest income to average assets | 0.2561% | 3,640 |
| Noninterest expense to average assets | 2.1687% | 2,948 |
| Loan and lease loss provision to assets | 0.3142% | 208 |
| Net operating income to assets | 1.0456% | 1,994 |
| Return on assets (ROA) | 1.0456% | 1,960 |
| Pretax return on assets | 1.2459% | 1,912 |
| Return on Equity (ROE) | 10.5461% | 2,151 |
| Retained earnings to average equity (ytd only) | 10.5461% | 888 |
| Net charge-offs to loans | 0.0017% | 2,056 |
| Credit loss provision to net charge-offs | 22,600.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,122.0000% | 114 |
| Efficiency ratio | 55.2206% | 3,854 |
| Assets per employee ($millions) | 8.4880% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,220 |
| Loan loss allowance to noncurrent loans | 9,879.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,932 |
| Noncurrent loans to loans | 0.0131% | 3,876 |
| Net loans and leases to total assets | 74.6509% | 845 |
| Net loans and leases to deposits | 85.7813% | 992 |
| Net loans and leases to core deposits | 118.2379% | 216 |
| Total domestic deposits to total assets | 87.0246% | 2,928 |
| Equity capital to assets | 11.3309% | 1,090 |
| Core capital (leverage) ratio | 12.6003% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9704% | 1,714 |
| Memoranda: | ||
| Average total assets | $863,019,000 | 1,125 |
| Average earning assets | $811,123,667 | 1,104 |
| Average equity | $85,567,000 | 1,105 |
| Average total loans | $697,231,333 | 887 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 393 |
| Cost of funding earning assets | 0.5486% | 378 |
| Net interest margin | 3.8295% | 603 |
| Noninterest income to average assets | 0.2624% | 3,555 |
| Noninterest expense to average assets | 2.2333% | 2,739 |
| Loan and lease loss provision to assets | 0.3815% | 145 |
| Net operating income to assets | 1.0280% | 1,769 |
| Return on assets (ROA) | 1.0280% | 1,758 |
| Pretax return on assets | 1.2266% | 1,710 |
| Return on Equity (ROE) | 11.4108% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.4108% | 706 |
| Net charge-offs to loans | 0.0018% | 1,765 |
| Credit loss provision to net charge-offs | 25,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,058.0000% | 75 |
| Efficiency ratio | 55.0119% | 3,974 |
| Assets per employee ($millions) | 8.4666% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,198 |
| Loan loss allowance to noncurrent loans | 2,613.5211% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,610 |
| Noncurrent loans to loans | 0.0511% | 3,616 |
| Net loans and leases to total assets | 82.6307% | 135 |
| Net loans and leases to deposits | 92.4442% | 415 |
| Net loans and leases to core deposits | 131.8428% | 84 |
| Total domestic deposits to total assets | 89.3843% | 1,874 |
| Equity capital to assets | 8.6929% | 2,982 |
| Core capital (leverage) ratio | 8.7493% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6797% | 3,073 |
| Memoranda: | ||
| Average total assets | $789,491,500 | 1,203 |
| Average earning assets | $737,850,500 | 1,203 |
| Average equity | $71,125,500 | 1,316 |
| Average total loans | $663,893,000 | 923 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 586 |
| Cost of funding earning assets | 0.5572% | 683 |
| Net interest margin | 3.9641% | 762 |
| Noninterest income to average assets | 0.5340% | 2,422 |
| Noninterest expense to average assets | 2.1939% | 3,108 |
| Loan and lease loss provision to assets | 0.3510% | 210 |
| Net operating income to assets | 1.4574% | 1,117 |
| Return on assets (ROA) | 1.4574% | 1,185 |
| Pretax return on assets | 1.6961% | 1,157 |
| Return on Equity (ROE) | 15.1211% | 931 |
| Retained earnings to average equity (ytd only) | 15.1211% | 214 |
| Net charge-offs to loans | 0.0022% | 2,549 |
| Credit loss provision to net charge-offs | 19,266.6667% | 38 |
| Earnings coverage of net charge-offs (x) | 1,123.5833% | 127 |
| Efficiency ratio | 50.2345% | 4,269 |
| Assets per employee ($millions) | 8.0565% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 2,149 |
| Loan loss allowance to noncurrent loans | 26,650.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,131 |
| Noncurrent loans to loans | 0.0051% | 4,077 |
| Net loans and leases to total assets | 83.3321% | 134 |
| Net loans and leases to deposits | 94.9856% | 349 |
| Net loans and leases to core deposits | 134.7663% | 82 |
| Total domestic deposits to total assets | 87.7313% | 2,178 |
| Equity capital to assets | 9.3592% | 3,262 |
| Core capital (leverage) ratio | 9.1560% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6413% | 2,960 |
| Memoranda: | ||
| Average total assets | $658,629,800 | 1,347 |
| Average earning assets | $615,923,600 | 1,345 |
| Average equity | $63,481,000 | 1,449 |
| Average total loans | $542,825,400 | 1,097 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 805 |
| Cost of funding earning assets | 0.5613% | 783 |
| Net interest margin | 3.8418% | 1,039 |
| Noninterest income to average assets | 0.6690% | 1,937 |
| Noninterest expense to average assets | 2.1889% | 3,103 |
| Loan and lease loss provision to assets | 0.2849% | 291 |
| Net operating income to assets | 1.4199% | 1,478 |
| Return on assets (ROA) | 1.4199% | 1,542 |
| Pretax return on assets | 1.7893% | 1,185 |
| Return on Equity (ROE) | 14.6076% | 1,224 |
| Retained earnings to average equity (ytd only) | 14.6076% | 446 |
| Net charge-offs to loans | 0.0018% | 2,342 |
| Credit loss provision to net charge-offs | 19,414.2857% | 34 |
| Earnings coverage of net charge-offs (x) | 1,413.4286% | 113 |
| Efficiency ratio | 50.6565% | 4,155 |
| Assets per employee ($millions) | 7.1518% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,470 |
| Loan loss allowance to noncurrent loans | 22,291.1765% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,207 |
| Noncurrent loans to loans | 0.0058% | 4,168 |
| Net loans and leases to total assets | 81.9434% | 193 |
| Net loans and leases to deposits | 94.1069% | 413 |
| Net loans and leases to core deposits | 131.5572% | 110 |
| Total domestic deposits to total assets | 87.0748% | 2,327 |
| Equity capital to assets | 9.6016% | 3,286 |
| Core capital (leverage) ratio | 9.6014% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8576% | 2,754 |
| Memoranda: | ||
| Average total assets | $635,973,250 | 1,402 |
| Average earning assets | $594,986,000 | 1,404 |
| Average equity | $61,820,250 | 1,497 |
| Average total loans | $520,307,000 | 1,149 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 924 |
| Cost of funding earning assets | 0.6231% | 659 |
| Net interest margin | 3.7277% | 1,277 |
| Noninterest income to average assets | 0.8503% | 1,390 |
| Noninterest expense to average assets | 2.2167% | 3,031 |
| Loan and lease loss provision to assets | 0.3031% | 281 |
| Net operating income to assets | 1.4715% | 1,369 |
| Return on assets (ROA) | 1.4715% | 1,431 |
| Pretax return on assets | 1.8146% | 1,198 |
| Return on Equity (ROE) | 15.0679% | 1,135 |
| Retained earnings to average equity (ytd only) | 15.0679% | 418 |
| Net charge-offs to loans | 0.0024% | 2,117 |
| Credit loss provision to net charge-offs | 15,516.6667% | 28 |
| Earnings coverage of net charge-offs (x) | 1,084.1667% | 117 |
| Efficiency ratio | 50.4431% | 4,198 |
| Assets per employee ($millions) | 7.0893% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,428 |
| Loan loss allowance to noncurrent loans | 13,005.4545% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,219 |
| Noncurrent loans to loans | 0.0100% | 4,192 |
| Net loans and leases to total assets | 81.3773% | 243 |
| Net loans and leases to deposits | 93.8306% | 467 |
| Net loans and leases to core deposits | 121.3334% | 204 |
| Total domestic deposits to total assets | 86.7279% | 2,459 |
| Equity capital to assets | 9.7604% | 3,082 |
| Core capital (leverage) ratio | 9.6375% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6250% | 2,507 |
| Memoranda: | ||
| Average total assets | $614,337,333 | 1,432 |
| Average earning assets | $574,186,000 | 1,435 |
| Average equity | $59,995,000 | 1,525 |
| Average total loans | $499,774,333 | 1,187 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 683 |
| Cost of funding earning assets | 0.6596% | 651 |
| Net interest margin | 3.9302% | 938 |
| Noninterest income to average assets | 0.3060% | 3,582 |
| Noninterest expense to average assets | 2.2104% | 3,072 |
| Loan and lease loss provision to assets | 0.3080% | 299 |
| Net operating income to assets | 1.2939% | 1,848 |
| Return on assets (ROA) | 1.2939% | 1,920 |
| Pretax return on assets | 1.4577% | 2,115 |
| Return on Equity (ROE) | 13.2449% | 1,605 |
| Retained earnings to average equity (ytd only) | 13.2449% | 867 |
| Net charge-offs to loans | 0.0076% | 1,628 |
| Credit loss provision to net charge-offs | 5,033.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 288.5556% | 306 |
| Efficiency ratio | 54.7880% | 3,702 |
| Assets per employee ($millions) | 6.9385% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 2,175 |
| Loan loss allowance to noncurrent loans | 7,756.9767% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,284 |
| Noncurrent loans to loans | 0.0175% | 4,204 |
| Net loans and leases to total assets | 76.0163% | 629 |
| Net loans and leases to deposits | 88.1022% | 819 |
| Net loans and leases to core deposits | 113.8199% | 327 |
| Total domestic deposits to total assets | 86.2820% | 2,632 |
| Equity capital to assets | 9.7791% | 2,920 |
| Core capital (leverage) ratio | 10.0829% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1986% | 1,844 |
| Memoranda: | ||
| Average total assets | $588,307,000 | 1,475 |
| Average earning assets | $549,393,500 | 1,472 |
| Average equity | $57,471,000 | 1,573 |
| Average total loans | $474,936,500 | 1,234 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 536 |
| Cost of funding earning assets | 0.7627% | 1,385 |
| Net interest margin | 4.1915% | 645 |
| Noninterest income to average assets | 2.0421% | 319 |
| Noninterest expense to average assets | 2.5924% | 2,576 |
| Loan and lease loss provision to assets | 0.6590% | 274 |
| Net operating income to assets | 2.0927% | 219 |
| Return on assets (ROA) | 2.0929% | 235 |
| Pretax return on assets | 2.6738% | 157 |
| Return on Equity (ROE) | 23.5249% | 130 |
| Retained earnings to average equity (ytd only) | 22.4822% | 48 |
| Net charge-offs to loans | 0.0116% | 2,908 |
| Credit loss provision to net charge-offs | 6,609.3023% | 165 |
| Earnings coverage of net charge-offs (x) | 334.2093% | 319 |
| Efficiency ratio | 43.0254% | 4,813 |
| Assets per employee ($millions) | 6.2590% | 2,117 |
| Cash dividends to net income (ytd only)* | 4.4321% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,149 |
| Loan loss allowance to noncurrent loans | 7,984.6154% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,341 |
| Noncurrent loans to loans | 0.0170% | 4,289 |
| Net loans and leases to total assets | 83.9222% | 174 |
| Net loans and leases to deposits | 97.7227% | 471 |
| Net loans and leases to core deposits | 122.7428% | 280 |
| Total domestic deposits to total assets | 85.8779% | 2,413 |
| Equity capital to assets | 9.7568% | 3,361 |
| Core capital (leverage) ratio | 9.5321% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7485% | 2,334 |
| Memoranda: | ||
| Average total assets | $431,228,200 | 1,762 |
| Average earning assets | $399,476,800 | 1,769 |
| Average equity | $38,363,600 | 2,082 |
| Average total loans | $370,680,800 | 1,450 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 445 |
| Cost of funding earning assets | 0.7774% | 1,601 |
| Net interest margin | 4.3888% | 481 |
| Noninterest income to average assets | 2.6727% | 218 |
| Noninterest expense to average assets | 2.7288% | 2,175 |
| Loan and lease loss provision to assets | 0.7627% | 257 |
| Net operating income to assets | 2.4671% | 151 |
| Return on assets (ROA) | 2.4674% | 159 |
| Pretax return on assets | 3.2387% | 105 |
| Return on Equity (ROE) | 28.6569% | 74 |
| Retained earnings to average equity (ytd only) | 27.1254% | 42 |
| Net charge-offs to loans | 0.0172% | 2,526 |
| Credit loss provision to net charge-offs | 5,142.2222% | 225 |
| Earnings coverage of net charge-offs (x) | 269.7333% | 393 |
| Efficiency ratio | 39.8609% | 4,897 |
| Assets per employee ($millions) | 6.3253% | 1,971 |
| Cash dividends to net income (ytd only)* | 5.3440% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,309 |
| Loan loss allowance to noncurrent loans | 2,675.5869% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 4,247 |
| Noncurrent loans to loans | 0.0474% | 4,190 |
| Net loans and leases to total assets | 84.5161% | 239 |
| Net loans and leases to deposits | 103.2172% | 407 |
| Net loans and leases to core deposits | 124.3817% | 334 |
| Total domestic deposits to total assets | 81.8818% | 3,454 |
| Equity capital to assets | 7.8054% | 4,779 |
| Core capital (leverage) ratio | 8.3054% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6612% | 2,996 |
| Memoranda: | ||
| Average total assets | $404,467,500 | 1,827 |
| Average earning assets | $373,908,250 | 1,832 |
| Average equity | $34,825,000 | 2,233 |
| Average total loans | $348,861,750 | 1,501 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 296 |
| Cost of funding earning assets | 0.8374% | 1,643 |
| Net interest margin | 4.7306% | 317 |
| Noninterest income to average assets | 2.5617% | 217 |
| Noninterest expense to average assets | 3.0141% | 1,538 |
| Loan and lease loss provision to assets | 0.7362% | 359 |
| Net operating income to assets | 2.4081% | 161 |
| Return on assets (ROA) | 2.4085% | 173 |
| Pretax return on assets | 3.1541% | 101 |
| Return on Equity (ROE) | 26.7712% | 90 |
| Retained earnings to average equity (ytd only) | 26.7712% | 38 |
| Net charge-offs to loans | 0.0260% | 2,199 |
| Credit loss provision to net charge-offs | 3,270.7317% | 337 |
| Earnings coverage of net charge-offs (x) | 172.8049% | 498 |
| Efficiency ratio | 42.9264% | 4,834 |
| Assets per employee ($millions) | 6.1560% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,458 |
| Loan loss allowance to noncurrent loans | 2,159.8174% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 3,525 |
| Noncurrent loans to loans | 0.0561% | 4,254 |
| Net loans and leases to total assets | 85.8670% | 141 |
| Net loans and leases to deposits | 108.3188% | 263 |
| Net loans and leases to core deposits | 127.3828% | 295 |
| Total domestic deposits to total assets | 79.2725% | 3,982 |
| Equity capital to assets | 7.8504% | 4,786 |
| Core capital (leverage) ratio | 8.1316% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4753% | 3,090 |
| Memoranda: | ||
| Average total assets | $364,291,000 | 1,944 |
| Average earning assets | $334,373,000 | 1,962 |
| Average equity | $32,774,000 | 2,328 |
| Average total loans | $315,347,000 | 1,618 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 423 |
| Cost of funding earning assets | 1.0726% | 1,129 |
| Net interest margin | 4.3683% | 667 |
| Noninterest income to average assets | 1.5777% | 359 |
| Noninterest expense to average assets | 3.1305% | 1,565 |
| Loan and lease loss provision to assets | 0.3581% | 861 |
| Net operating income to assets | 1.5754% | 658 |
| Return on assets (ROA) | 1.5764% | 724 |
| Pretax return on assets | 2.0650% | 394 |
| Return on Equity (ROE) | 16.0906% | 412 |
| Retained earnings to average equity (ytd only) | 16.0906% | 143 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3292% | 4,277 |
| Assets per employee ($millions) | 4.5480% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,165 |
| Loan loss allowance to noncurrent loans | 1,595.7082% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 3,358 |
| Noncurrent loans to loans | 0.0814% | 4,185 |
| Net loans and leases to total assets | 82.8638% | 367 |
| Net loans and leases to deposits | 98.7644% | 639 |
| Net loans and leases to core deposits | 115.6433% | 603 |
| Total domestic deposits to total assets | 83.9005% | 2,816 |
| Equity capital to assets | 9.4278% | 4,289 |
| Core capital (leverage) ratio | 8.9075% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4399% | 3,239 |
| Memoranda: | ||
| Average total assets | $321,742,000 | 2,081 |
| Average earning assets | $292,746,500 | 2,119 |
| Average equity | $31,521,500 | 2,376 |
| Average total loans | $277,717,000 | 1,724 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7620% | 354 |
| Cost of funding earning assets | 1.1524% | 1,152 |
| Net interest margin | 4.6096% | 560 |
| Noninterest income to average assets | 0.9426% | 1,087 |
| Noninterest expense to average assets | 3.0603% | 1,851 |
| Loan and lease loss provision to assets | 0.2085% | 963 |
| Net operating income to assets | 1.3730% | 1,438 |
| Return on assets (ROA) | 1.3730% | 1,512 |
| Pretax return on assets | 1.8168% | 896 |
| Return on Equity (ROE) | 12.7807% | 1,244 |
| Retained earnings to average equity (ytd only) | 9.3942% | 617 |
| Net charge-offs to loans | 0.0489% | 2,419 |
| Credit loss provision to net charge-offs | 489.7436% | 597 |
| Earnings coverage of net charge-offs (x) | 47.5812% | 1,164 |
| Efficiency ratio | 58.8454% | 3,858 |
| Assets per employee ($millions) | 3.9819% | 3,922 |
| Cash dividends to net income (ytd only)* | 26.4971% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,048 |
| Loan loss allowance to noncurrent loans | 1,440.7563% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 3,315 |
| Noncurrent loans to loans | 0.0885% | 4,172 |
| Net loans and leases to total assets | 87.7804% | 89 |
| Net loans and leases to deposits | 102.3349% | 455 |
| Net loans and leases to core deposits | 114.3579% | 656 |
| Total domestic deposits to total assets | 85.7776% | 2,146 |
| Equity capital to assets | 10.2058% | 3,726 |
| Core capital (leverage) ratio | 9.4129% | 4,155 |
| Tier 1 risk-based capital ratio | 10.5944% | 4,990 |
| Total risk-based capital ratio | 11.8453% | 4,913 |
| Memoranda: | ||
| Average total assets | $274,877,600 | 2,306 |
| Average earning assets | $247,048,400 | 2,357 |
| Average equity | $29,529,000 | 2,422 |
| Average total loans | $239,388,400 | 1,892 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7979% | 352 |
| Cost of funding earning assets | 1.1316% | 1,233 |
| Net interest margin | 4.6663% | 531 |
| Noninterest income to average assets | 1.0848% | 782 |
| Noninterest expense to average assets | 3.0354% | 1,870 |
| Loan and lease loss provision to assets | 0.2389% | 699 |
| Net operating income to assets | 1.5087% | 1,168 |
| Return on assets (ROA) | 1.5087% | 1,221 |
| Pretax return on assets | 1.9964% | 691 |
| Return on Equity (ROE) | 13.8492% | 1,014 |
| Retained earnings to average equity (ytd only) | 10.4234% | 646 |
| Net charge-offs to loans | 0.0161% | 2,830 |
| Credit loss provision to net charge-offs | 1,714.2857% | 223 |
| Earnings coverage of net charge-offs (x) | 160.4388% | 515 |
| Efficiency ratio | 56.2689% | 4,142 |
| Assets per employee ($millions) | 3.8494% | 4,102 |
| Cash dividends to net income (ytd only)* | 24.7362% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,681 |
| Loan loss allowance to noncurrent loans | 665.0485% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 2,750 |
| Noncurrent loans to loans | 0.2062% | 3,799 |
| Net loans and leases to total assets | 86.4840% | 163 |
| Net loans and leases to deposits | 101.3277% | 539 |
| Net loans and leases to core deposits | 116.2046% | 648 |
| Total domestic deposits to total assets | 85.3508% | 2,274 |
| Equity capital to assets | 10.6685% | 3,404 |
| Core capital (leverage) ratio | 9.7536% | 3,905 |
| Tier 1 risk-based capital ratio | 11.0237% | 4,899 |
| Total risk-based capital ratio | 12.2757% | 4,786 |
| Memoranda: | ||
| Average total assets | $267,941,750 | 2,359 |
| Average earning assets | $240,356,500 | 2,424 |
| Average equity | $29,190,000 | 2,453 |
| Average total loans | $231,967,750 | 1,958 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7630% | 356 |
| Cost of funding earning assets | 1.0878% | 1,346 |
| Net interest margin | 4.6752% | 519 |
| Noninterest income to average assets | 1.4243% | 432 |
| Noninterest expense to average assets | 3.0491% | 1,867 |
| Loan and lease loss provision to assets | 0.2570% | 595 |
| Net operating income to assets | 1.7506% | 658 |
| Return on assets (ROA) | 1.7506% | 687 |
| Pretax return on assets | 2.3194% | 343 |
| Return on Equity (ROE) | 15.9500% | 594 |
| Retained earnings to average equity (ytd only) | 10.7398% | 594 |
| Net charge-offs to loans | 0.0265% | 2,321 |
| Credit loss provision to net charge-offs | 1,123.3333% | 309 |
| Earnings coverage of net charge-offs (x) | 112.6333% | 636 |
| Efficiency ratio | 52.9412% | 4,569 |
| Assets per employee ($millions) | 3.6452% | 4,317 |
| Cash dividends to net income (ytd only)* | 32.6655% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,790 |
| Loan loss allowance to noncurrent loans | 632.1773% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 2,823 |
| Noncurrent loans to loans | 0.2146% | 3,773 |
| Net loans and leases to total assets | 87.2590% | 143 |
| Net loans and leases to deposits | 102.6365% | 504 |
| Net loans and leases to core deposits | 117.6477% | 619 |
| Total domestic deposits to total assets | 85.0175% | 2,466 |
| Equity capital to assets | 10.8452% | 3,231 |
| Core capital (leverage) ratio | 9.6722% | 3,960 |
| Tier 1 risk-based capital ratio | 11.0732% | 4,876 |
| Total risk-based capital ratio | 12.3251% | 4,792 |
| Memoranda: | ||
| Average total assets | $262,303,670 | 2,404 |
| Average earning assets | $235,711,000 | 2,459 |
| Average equity | $28,790,000 | 2,464 |
| Average total loans | $226,030,330 | 2,004 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 409 |
| Cost of funding earning assets | 1.0615% | 1,329 |
| Net interest margin | 4.5646% | 655 |
| Noninterest income to average assets | 2.3882% | 197 |
| Noninterest expense to average assets | 3.0472% | 1,856 |
| Loan and lease loss provision to assets | 0.3178% | 392 |
| Net operating income to assets | 2.3415% | 211 |
| Return on assets (ROA) | 2.3415% | 223 |
| Pretax return on assets | 3.1095% | 117 |
| Return on Equity (ROE) | 21.1989% | 201 |
| Retained earnings to average equity (ytd only) | 17.6728% | 154 |
| Net charge-offs to loans | 0.0605% | 1,433 |
| Credit loss provision to net charge-offs | 618.1818% | 528 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 867 |
| Efficiency ratio | 45.9336% | 5,034 |
| Assets per employee ($millions) | 4.0853% | 3,803 |
| Cash dividends to net income (ytd only)* | 16.6334% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 1,645 |
| Loan loss allowance to noncurrent loans | 589.8687% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 1,496 |
| Noncurrent loans to loans | 0.2390% | 3,718 |
| Net loans and leases to total assets | 84.1010% | 365 |
| Net loans and leases to deposits | 99.5405% | 668 |
| Net loans and leases to core deposits | 111.4001% | 867 |
| Total domestic deposits to total assets | 84.4892% | 2,853 |
| Equity capital to assets | 11.2229% | 2,630 |
| Core capital (leverage) ratio | 10.0905% | 3,501 |
| Tier 1 risk-based capital ratio | 11.8559% | 4,537 |
| Total risk-based capital ratio | 13.1082% | 4,443 |
| Memoranda: | ||
| Average total assets | $256,759,500 | 2,470 |
| Average earning assets | $229,856,000 | 2,523 |
| Average equity | $28,360,000 | 2,496 |
| Average total loans | $218,125,500 | 2,077 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 293 |
| Cost of funding earning assets | 0.8287% | 1,405 |
| Net interest margin | 4.8406% | 362 |
| Noninterest income to average assets | 1.1664% | 682 |
| Noninterest expense to average assets | 3.1913% | 1,576 |
| Loan and lease loss provision to assets | 0.2394% | 737 |
| Net operating income to assets | 1.5340% | 1,035 |
| Return on assets (ROA) | 1.5340% | 1,023 |
| Pretax return on assets | 2.0277% | 531 |
| Return on Equity (ROE) | 14.5098% | 935 |
| Retained earnings to average equity (ytd only) | 11.5765% | 368 |
| Net charge-offs to loans | 0.0475% | 2,487 |
| Credit loss provision to net charge-offs | 603.1250% | 573 |
| Earnings coverage of net charge-offs (x) | 57.1146% | 1,051 |
| Efficiency ratio | 57.2229% | 4,260 |
| Assets per employee ($millions) | 3.6531% | 4,387 |
| Cash dividends to net income (ytd only)* | 20.2156% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,660 |
| Loan loss allowance to noncurrent loans | 2,305.4264% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 3,128 |
| Noncurrent loans to loans | 0.0605% | 4,477 |
| Net loans and leases to total assets | 83.4101% | 468 |
| Net loans and leases to deposits | 97.1715% | 961 |
| Net loans and leases to core deposits | 112.9123% | 839 |
| Total domestic deposits to total assets | 85.8381% | 2,309 |
| Equity capital to assets | 10.8612% | 2,837 |
| Core capital (leverage) ratio | 9.5659% | 4,043 |
| Tier 1 risk-based capital ratio | 11.5928% | 4,669 |
| Total risk-based capital ratio | 12.8452% | 4,568 |
| Memoranda: | ||
| Average total assets | $241,847,600 | 2,536 |
| Average earning assets | $214,436,000 | 2,605 |
| Average equity | $25,569,000 | 2,600 |
| Average total loans | $202,215,600 | 2,159 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6305% | 286 |
| Cost of funding earning assets | 0.7725% | 1,465 |
| Net interest margin | 4.8579% | 335 |
| Noninterest income to average assets | 0.9310% | 1,108 |
| Noninterest expense to average assets | 3.1035% | 1,762 |
| Loan and lease loss provision to assets | 0.1961% | 896 |
| Net operating income to assets | 1.4581% | 1,303 |
| Return on assets (ROA) | 1.4581% | 1,303 |
| Pretax return on assets | 1.9234% | 780 |
| Return on Equity (ROE) | 13.8920% | 1,148 |
| Retained earnings to average equity (ytd only) | 11.7686% | 512 |
| Net charge-offs to loans | 0.0408% | 2,273 |
| Credit loss provision to net charge-offs | 577.0492% | 619 |
| Earnings coverage of net charge-offs (x) | 62.3616% | 1,036 |
| Efficiency ratio | 58.1609% | 4,092 |
| Assets per employee ($millions) | 4.0094% | 3,870 |
| Cash dividends to net income (ytd only)* | 15.2847% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,064 |
| Loan loss allowance to noncurrent loans | 1,247.5336% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 2,538 |
| Noncurrent loans to loans | 0.1048% | 4,415 |
| Net loans and leases to total assets | 84.4723% | 403 |
| Net loans and leases to deposits | 98.6169% | 897 |
| Net loans and leases to core deposits | 114.9969% | 763 |
| Total domestic deposits to total assets | 85.6570% | 2,343 |
| Equity capital to assets | 10.7048% | 2,928 |
| Core capital (leverage) ratio | 9.4301% | 4,252 |
| Tier 1 risk-based capital ratio | 11.6435% | 4,710 |
| Total risk-based capital ratio | 12.8953% | 4,598 |
| Memoranda: | ||
| Average total assets | $239,293,750 | 2,560 |
| Average earning assets | $211,416,000 | 2,640 |
| Average equity | $25,117,000 | 2,652 |
| Average total loans | $199,464,500 | 2,190 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3513% | 428 |
| Cost of funding earning assets | 0.7201% | 1,521 |
| Net interest margin | 4.6312% | 518 |
| Noninterest income to average assets | 1.0059% | 947 |
| Noninterest expense to average assets | 3.0542% | 1,895 |
| Loan and lease loss provision to assets | 0.1744% | 1,051 |
| Net operating income to assets | 1.3997% | 1,442 |
| Return on assets (ROA) | 1.3997% | 1,444 |
| Pretax return on assets | 1.8451% | 882 |
| Return on Equity (ROE) | 13.4285% | 1,234 |
| Retained earnings to average equity (ytd only) | 11.8037% | 549 |
| Net charge-offs to loans | 0.0441% | 1,984 |
| Credit loss provision to net charge-offs | 479.0698% | 728 |
| Earnings coverage of net charge-offs (x) | 55.4651% | 1,053 |
| Efficiency ratio | 58.9619% | 4,092 |
| Assets per employee ($millions) | 3.7161% | 4,327 |
| Cash dividends to net income (ytd only)* | 12.0992% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,160 |
| Loan loss allowance to noncurrent loans | 2,980.8989% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 2,880 |
| Noncurrent loans to loans | 0.0437% | 4,723 |
| Net loans and leases to total assets | 84.5929% | 394 |
| Net loans and leases to deposits | 105.0749% | 477 |
| Net loans and leases to core deposits | 115.2285% | 736 |
| Total domestic deposits to total assets | 80.5072% | 4,137 |
| Equity capital to assets | 10.8720% | 2,761 |
| Core capital (leverage) ratio | 9.6752% | 3,915 |
| Tier 1 risk-based capital ratio | 11.7549% | 4,648 |
| Total risk-based capital ratio | 13.0068% | 4,525 |
| Memoranda: | ||
| Average total assets | $236,198,000 | 2,596 |
| Average earning assets | $207,461,670 | 2,690 |
| Average equity | $24,619,330 | 2,694 |
| Average total loans | $195,031,330 | 2,228 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 465 |
| Cost of funding earning assets | 0.6893% | 1,502 |
| Net interest margin | 4.5382% | 568 |
| Noninterest income to average assets | 0.6203% | 2,171 |
| Noninterest expense to average assets | 3.0742% | 1,890 |
| Loan and lease loss provision to assets | 0.2090% | 777 |
| Net operating income to assets | 0.9805% | 2,936 |
| Return on assets (ROA) | 0.9805% | 2,964 |
| Pretax return on assets | 1.2864% | 2,420 |
| Return on Equity (ROE) | 9.6165% | 2,623 |
| Retained earnings to average equity (ytd only) | 9.6165% | 1,279 |
| Net charge-offs to loans | -0.0063% | 4,085 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2741% | 2,956 |
| Assets per employee ($millions) | 3.6611% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 1,939 |
| Loan loss allowance to noncurrent loans | 1,167.4107% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 2,582 |
| Noncurrent loans to loans | 0.1177% | 4,439 |
| Net loans and leases to total assets | 82.6682% | 576 |
| Net loans and leases to deposits | 97.5352% | 907 |
| Net loans and leases to core deposits | 110.7467% | 959 |
| Total domestic deposits to total assets | 84.7573% | 3,016 |
| Equity capital to assets | 10.6957% | 2,877 |
| Core capital (leverage) ratio | 9.0484% | 4,628 |
| Tier 1 risk-based capital ratio | 11.5900% | 4,812 |
| Total risk-based capital ratio | 12.8424% | 4,698 |
| Memoranda: | ||
| Average total assets | $235,381,000 | 2,624 |
| Average earning assets | $204,840,500 | 2,740 |
| Average equity | $24,000,500 | 2,779 |
| Average total loans | $190,626,000 | 2,266 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 252 |
| Cost of funding earning assets | 0.8132% | 582 |
| Net interest margin | 4.7243% | 402 |
| Noninterest income to average assets | 0.5871% | 2,510 |
| Noninterest expense to average assets | 2.8747% | 2,538 |
| Loan and lease loss provision to assets | 0.2398% | 798 |
| Net operating income to assets | 1.0740% | 1,963 |
| Return on assets (ROA) | 1.0740% | 1,982 |
| Pretax return on assets | 1.7367% | 923 |
| Return on Equity (ROE) | 10.6430% | 1,619 |
| Retained earnings to average equity (ytd only) | 6.1536% | 1,457 |
| Net charge-offs to loans | 0.0141% | 3,610 |
| Credit loss provision to net charge-offs | 1,890.4762% | 197 |
| Earnings coverage of net charge-offs (x) | 155.8095% | 467 |
| Efficiency ratio | 59.2579% | 4,381 |
| Assets per employee ($millions) | 3.9039% | 4,116 |
| Cash dividends to net income (ytd only)* | 42.1822% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 1,028 |
| Loan loss allowance to noncurrent loans | 1,556.2500% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,650 |
| Noncurrent loans to loans | 0.1062% | 4,509 |
| Net loans and leases to total assets | 88.2484% | 126 |
| Net loans and leases to deposits | 106.9672% | 359 |
| Net loans and leases to core deposits | 125.8666% | 437 |
| Total domestic deposits to total assets | 82.5004% | 3,734 |
| Equity capital to assets | 10.2450% | 3,441 |
| Core capital (leverage) ratio | 8.4998% | 5,136 |
| Tier 1 risk-based capital ratio | 10.3411% | 5,435 |
| Total risk-based capital ratio | 11.5977% | 5,347 |
| Memoranda: | ||
| Average total assets | $165,548,200 | 3,289 |
| Average earning assets | $149,418,000 | 3,331 |
| Average equity | $16,705,800 | 3,511 |
| Average total loans | $148,596,600 | 2,668 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4809% | 261 |
| Cost of funding earning assets | 0.8027% | 572 |
| Net interest margin | 4.6782% | 422 |
| Noninterest income to average assets | 0.6183% | 2,376 |
| Noninterest expense to average assets | 2.8199% | 2,659 |
| Loan and lease loss provision to assets | 0.2619% | 644 |
| Net operating income to assets | 1.1436% | 1,901 |
| Return on assets (ROA) | 1.1436% | 1,953 |
| Pretax return on assets | 1.7571% | 985 |
| Return on Equity (ROE) | 11.3770% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.3770% | 358 |
| Net charge-offs to loans | 0.0063% | 3,509 |
| Credit loss provision to net charge-offs | 4,628.5714% | 93 |
| Earnings coverage of net charge-offs (x) | 356.9753% | 261 |
| Efficiency ratio | 58.2763% | 4,464 |
| Assets per employee ($millions) | 3.9431% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,347 |
| Loan loss allowance to noncurrent loans | 1,642.5676% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,816 |
| Noncurrent loans to loans | 0.0947% | 4,689 |
| Net loans and leases to total assets | 88.6982% | 126 |
| Net loans and leases to deposits | 119.5387% | 105 |
| Net loans and leases to core deposits | 136.8529% | 246 |
| Total domestic deposits to total assets | 74.2004% | 5,220 |
| Equity capital to assets | 9.9686% | 3,945 |
| Core capital (leverage) ratio | 8.6156% | 5,142 |
| Tier 1 risk-based capital ratio | 10.1442% | 5,562 |
| Total risk-based capital ratio | 11.3998% | 5,519 |
| Memoranda: | ||
| Average total assets | $164,968,500 | 3,323 |
| Average earning assets | $148,829,500 | 3,369 |
| Average equity | $16,582,750 | 3,561 |
| Average total loans | $148,088,250 | 2,687 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 259 |
| Cost of funding earning assets | 0.7776% | 586 |
| Net interest margin | 4.6777% | 406 |
| Noninterest income to average assets | 0.6661% | 2,142 |
| Noninterest expense to average assets | 2.8595% | 2,544 |
| Loan and lease loss provision to assets | 0.2665% | 612 |
| Net operating income to assets | 1.1522% | 1,769 |
| Return on assets (ROA) | 1.1522% | 1,820 |
| Pretax return on assets | 1.7628% | 915 |
| Return on Equity (ROE) | 11.4283% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.4283% | 378 |
| Net charge-offs to loans | 0.0124% | 3,021 |
| Credit loss provision to net charge-offs | 2,400.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 182.7778% | 436 |
| Efficiency ratio | 58.4910% | 4,531 |
| Assets per employee ($millions) | 3.8841% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,462 |
| Loan loss allowance to noncurrent loans | 659.3750% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 4,322 |
| Noncurrent loans to loans | 0.2324% | 4,194 |
| Net loans and leases to total assets | 89.2861% | 104 |
| Net loans and leases to deposits | 117.9668% | 120 |
| Net loans and leases to core deposits | 136.6509% | 226 |
| Total domestic deposits to total assets | 75.6875% | 5,128 |
| Equity capital to assets | 10.0672% | 3,831 |
| Core capital (leverage) ratio | 8.6097% | 5,135 |
| Tier 1 risk-based capital ratio | 10.2176% | 5,571 |
| Total risk-based capital ratio | 11.4731% | 5,503 |
| Memoranda: | ||
| Average total assets | $162,126,000 | 3,371 |
| Average earning assets | $146,353,330 | 3,408 |
| Average equity | $16,345,330 | 3,595 |
| Average total loans | $145,345,000 | 2,723 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 263 |
| Cost of funding earning assets | 0.7565% | 628 |
| Net interest margin | 4.6611% | 398 |
| Noninterest income to average assets | 0.8016% | 1,542 |
| Noninterest expense to average assets | 2.9233% | 2,387 |
| Loan and lease loss provision to assets | 0.2705% | 536 |
| Net operating income to assets | 1.1673% | 1,603 |
| Return on assets (ROA) | 1.1673% | 1,646 |
| Pretax return on assets | 1.8061% | 785 |
| Return on Equity (ROE) | 11.5697% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.5697% | 521 |
| Net charge-offs to loans | 0.0197% | 2,396 |
| Credit loss provision to net charge-offs | 1,542.8571% | 209 |
| Earnings coverage of net charge-offs (x) | 118.4286% | 461 |
| Efficiency ratio | 58.4669% | 4,665 |
| Assets per employee ($millions) | 3.6228% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,624 |
| Loan loss allowance to noncurrent loans | 7,383.3333% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 5,203 |
| Noncurrent loans to loans | 0.0206% | 5,144 |
| Net loans and leases to total assets | 87.9817% | 108 |
| Net loans and leases to deposits | 113.2496% | 156 |
| Net loans and leases to core deposits | 131.1097% | 251 |
| Total domestic deposits to total assets | 77.6884% | 5,012 |
| Equity capital to assets | 10.0259% | 3,721 |
| Core capital (leverage) ratio | 8.5609% | 5,182 |
| Tier 1 risk-based capital ratio | 10.1622% | 5,662 |
| Total risk-based capital ratio | 11.4176% | 5,611 |
| Memoranda: | ||
| Average total assets | $159,680,500 | 3,437 |
| Average earning assets | $143,828,500 | 3,477 |
| Average equity | $16,111,000 | 3,648 |
| Average total loans | $142,295,500 | 2,783 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4446% | 266 |
| Cost of funding earning assets | 0.7183% | 750 |
| Net interest margin | 4.7262% | 407 |
| Noninterest income to average assets | 0.5373% | 2,992 |
| Noninterest expense to average assets | 2.9568% | 2,474 |
| Loan and lease loss provision to assets | 0.2644% | 768 |
| Net operating income to assets | 1.0331% | 2,216 |
| Return on assets (ROA) | 1.0331% | 2,314 |
| Pretax return on assets | 1.5539% | 1,418 |
| Return on Equity (ROE) | 10.3801% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.3801% | 362 |
| Net charge-offs to loans | 0.1299% | 1,943 |
| Credit loss provision to net charge-offs | 229.1429% | 1,255 |
| Earnings coverage of net charge-offs (x) | 15.7600% | 2,177 |
| Efficiency ratio | 61.9219% | 4,267 |
| Assets per employee ($millions) | 3.4741% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 1,596 |
| Loan loss allowance to noncurrent loans | 2,225.2632% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 5,044 |
| Noncurrent loans to loans | 0.0684% | 4,966 |
| Net loans and leases to total assets | 87.5229% | 149 |
| Net loans and leases to deposits | 117.6782% | 113 |
| Net loans and leases to core deposits | 126.7595% | 334 |
| Total domestic deposits to total assets | 74.3747% | 5,412 |
| Equity capital to assets | 10.1558% | 3,542 |
| Core capital (leverage) ratio | 8.4018% | 5,368 |
| Tier 1 risk-based capital ratio | 10.3052% | 5,660 |
| Total risk-based capital ratio | 11.5610% | 5,592 |
| Memoranda: | ||
| Average total assets | $151,684,400 | 3,495 |
| Average earning assets | $136,006,400 | 3,555 |
| Average equity | $15,096,200 | 3,797 |
| Average total loans | $134,701,600 | 2,853 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 287 |
| Cost of funding earning assets | 0.7081% | 783 |
| Net interest margin | 4.7017% | 429 |
| Noninterest income to average assets | 0.5350% | 3,012 |
| Noninterest expense to average assets | 2.9709% | 2,396 |
| Loan and lease loss provision to assets | 0.2241% | 912 |
| Net operating income to assets | 1.0187% | 2,342 |
| Return on assets (ROA) | 1.0187% | 2,473 |
| Pretax return on assets | 1.5572% | 1,513 |
| Return on Equity (ROE) | 10.2899% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.2899% | 515 |
| Net charge-offs to loans | 0.1477% | 1,517 |
| Credit loss provision to net charge-offs | 170.9459% | 1,629 |
| Earnings coverage of net charge-offs (x) | 13.5877% | 2,301 |
| Efficiency ratio | 62.5163% | 4,139 |
| Assets per employee ($millions) | 3.4147% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,963 |
| Loan loss allowance to noncurrent loans | 1,828.4404% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 5,008 |
| Noncurrent loans to loans | 0.0795% | 5,032 |
| Net loans and leases to total assets | 87.9617% | 135 |
| Net loans and leases to deposits | 118.9817% | 121 |
| Net loans and leases to core deposits | 128.2737% | 323 |
| Total domestic deposits to total assets | 73.9288% | 5,442 |
| Equity capital to assets | 10.0774% | 4,059 |
| Core capital (leverage) ratio | 8.3457% | 5,474 |
| Tier 1 risk-based capital ratio | 9.7691% | 5,841 |
| Total risk-based capital ratio | 11.0228% | 5,821 |
| Memoranda: | ||
| Average total assets | $150,522,000 | 3,528 |
| Average earning assets | $135,012,000 | 3,587 |
| Average equity | $14,901,000 | 3,853 |
| Average total loans | $133,641,500 | 2,868 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4118% | 293 |
| Cost of funding earning assets | 0.7030% | 791 |
| Net interest margin | 4.7088% | 420 |
| Noninterest income to average assets | 0.5151% | 3,095 |
| Noninterest expense to average assets | 2.9731% | 2,431 |
| Loan and lease loss provision to assets | 0.2087% | 1,025 |
| Net operating income to assets | 1.0249% | 2,274 |
| Return on assets (ROA) | 1.0249% | 2,412 |
| Pretax return on assets | 1.5548% | 1,504 |
| Return on Equity (ROE) | 10.4173% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.4173% | 522 |
| Net charge-offs to loans | 0.1600% | 1,371 |
| Credit loss provision to net charge-offs | 147.1698% | 1,614 |
| Earnings coverage of net charge-offs (x) | 12.4340% | 2,183 |
| Efficiency ratio | 62.7684% | 4,211 |
| Assets per employee ($millions) | 3.4161% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 2,221 |
| Loan loss allowance to noncurrent loans | 2,061.7021% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 5,025 |
| Noncurrent loans to loans | 0.0687% | 5,176 |
| Net loans and leases to total assets | 87.7871% | 148 |
| Net loans and leases to deposits | 118.2363% | 117 |
| Net loans and leases to core deposits | 127.8047% | 336 |
| Total domestic deposits to total assets | 74.2472% | 5,491 |
| Equity capital to assets | 9.8268% | 4,414 |
| Core capital (leverage) ratio | 8.0286% | 5,709 |
| Tier 1 risk-based capital ratio | 9.8443% | 5,889 |
| Total risk-based capital ratio | 11.0982% | 5,853 |
| Memoranda: | ||
| Average total assets | $149,476,000 | 3,569 |
| Average earning assets | $134,004,330 | 3,628 |
| Average equity | $14,706,330 | 3,899 |
| Average total loans | $132,470,330 | 2,896 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 299 |
| Cost of funding earning assets | 0.6912% | 845 |
| Net interest margin | 4.6870% | 432 |
| Noninterest income to average assets | 0.5239% | 2,965 |
| Noninterest expense to average assets | 3.0756% | 2,161 |
| Loan and lease loss provision to assets | 0.1710% | 1,205 |
| Net operating income to assets | 0.9691% | 2,419 |
| Return on assets (ROA) | 0.9691% | 2,529 |
| Pretax return on assets | 1.4740% | 1,676 |
| Return on Equity (ROE) | 9.8439% | 2,055 |
| Retained earnings to average equity (ytd only) | 9.8439% | 885 |
| Net charge-offs to loans | 0.0829% | 1,665 |
| Credit loss provision to net charge-offs | 233.3333% | 984 |
| Earnings coverage of net charge-offs (x) | 22.4444% | 1,401 |
| Efficiency ratio | 65.1524% | 3,950 |
| Assets per employee ($millions) | 3.2771% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 2,242 |
| Loan loss allowance to noncurrent loans | 656.6553% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 4,675 |
| Noncurrent loans to loans | 0.2195% | 4,644 |
| Net loans and leases to total assets | 87.2898% | 152 |
| Net loans and leases to deposits | 117.8306% | 108 |
| Net loans and leases to core deposits | 128.5650% | 294 |
| Total domestic deposits to total assets | 74.0807% | 5,604 |
| Equity capital to assets | 9.7436% | 4,405 |
| Core capital (leverage) ratio | 8.1007% | 5,719 |
| Tier 1 risk-based capital ratio | 9.6612% | 5,975 |
| Total risk-based capital ratio | 10.9158% | 5,950 |
| Memoranda: | ||
| Average total assets | $147,352,500 | 3,616 |
| Average earning assets | $131,939,000 | 3,688 |
| Average equity | $14,506,500 | 3,930 |
| Average total loans | $130,262,000 | 2,932 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 270 |
| Cost of funding earning assets | 0.7095% | 780 |
| Net interest margin | 4.7760% | 397 |
| Noninterest income to average assets | 0.7026% | 2,191 |
| Noninterest expense to average assets | 3.2581% | 1,818 |
| Loan and lease loss provision to assets | 0.1922% | 1,148 |
| Net operating income to assets | 0.9544% | 2,593 |
| Return on assets (ROA) | 0.9544% | 2,671 |
| Pretax return on assets | 1.4790% | 1,622 |
| Return on Equity (ROE) | 9.0981% | 2,413 |
| Retained earnings to average equity (ytd only) | 4.7862% | 2,592 |
| Net charge-offs to loans | 0.0261% | 3,707 |
| Credit loss provision to net charge-offs | 850.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 73.9000% | 738 |
| Efficiency ratio | 66.0957% | 3,890 |
| Assets per employee ($millions) | 3.1991% | 5,295 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 2,074 |
| Loan loss allowance to noncurrent loans | 1,888.0000% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 5,273 |
| Noncurrent loans to loans | 0.0787% | 5,190 |
| Net loans and leases to total assets | 86.9179% | 173 |
| Net loans and leases to deposits | 114.5212% | 160 |
| Net loans and leases to core deposits | 122.7927% | 410 |
| Total domestic deposits to total assets | 75.8968% | 5,454 |
| Equity capital to assets | 9.9507% | 4,019 |
| Core capital (leverage) ratio | 8.3008% | 5,604 |
| Tier 1 risk-based capital ratio | 9.7259% | 6,015 |
| Total risk-based capital ratio | 10.9806% | 5,986 |
| Memoranda: | ||
| Average total assets | $132,653,200 | 3,837 |
| Average earning assets | $117,398,600 | 3,940 |
| Average equity | $13,915,000 | 3,991 |
| Average total loans | $115,008,600 | 3,120 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 266 |
| Cost of funding earning assets | 0.7194% | 756 |
| Net interest margin | 4.7812% | 393 |
| Noninterest income to average assets | 0.7240% | 2,133 |
| Noninterest expense to average assets | 3.3079% | 1,671 |
| Loan and lease loss provision to assets | 0.1941% | 1,043 |
| Net operating income to assets | 0.9284% | 2,814 |
| Return on assets (ROA) | 0.9284% | 2,901 |
| Pretax return on assets | 1.4398% | 1,863 |
| Return on Equity (ROE) | 8.7262% | 2,721 |
| Retained earnings to average equity (ytd only) | 2.9344% | 4,365 |
| Net charge-offs to loans | 0.0310% | 3,306 |
| Credit loss provision to net charge-offs | 726.9231% | 480 |
| Earnings coverage of net charge-offs (x) | 61.1849% | 910 |
| Efficiency ratio | 66.9368% | 3,725 |
| Assets per employee ($millions) | 3.1373% | 5,381 |
| Cash dividends to net income (ytd only)* | 66.3719% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 2,087 |
| Loan loss allowance to noncurrent loans | 1,372.9323% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 5,251 |
| Noncurrent loans to loans | 0.1105% | 5,189 |
| Net loans and leases to total assets | 85.8903% | 237 |
| Net loans and leases to deposits | 107.6778% | 312 |
| Net loans and leases to core deposits | 110.8822% | 828 |
| Total domestic deposits to total assets | 79.7660% | 4,795 |
| Equity capital to assets | 10.1232% | 4,029 |
| Core capital (leverage) ratio | 8.4581% | 5,583 |
| Tier 1 risk-based capital ratio | 10.2191% | 5,971 |
| Total risk-based capital ratio | 11.4746% | 5,915 |
| Memoranda: | ||
| Average total assets | $129,826,500 | 3,929 |
| Average earning assets | $114,530,000 | 4,032 |
| Average equity | $13,812,500 | 4,056 |
| Average total loans | $112,007,000 | 3,199 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 244 |
| Cost of funding earning assets | 0.7247% | 742 |
| Net interest margin | 4.8238% | 345 |
| Noninterest income to average assets | 0.7806% | 1,865 |
| Noninterest expense to average assets | 3.3614% | 1,545 |
| Loan and lease loss provision to assets | 0.1983% | 994 |
| Net operating income to assets | 0.9442% | 2,666 |
| Return on assets (ROA) | 0.9442% | 2,781 |
| Pretax return on assets | 1.4635% | 1,751 |
| Return on Equity (ROE) | 8.7218% | 2,690 |
| Retained earnings to average equity (ytd only) | 2.9073% | 4,189 |
| Net charge-offs to loans | 0.0128% | 3,474 |
| Credit loss provision to net charge-offs | 1,800.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 150.8571% | 428 |
| Efficiency ratio | 66.9173% | 3,850 |
| Assets per employee ($millions) | 2.8918% | 5,718 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,890 |
| Loan loss allowance to noncurrent loans | 3,362.2642% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 5,336 |
| Noncurrent loans to loans | 0.0478% | 5,557 |
| Net loans and leases to total assets | 83.9099% | 383 |
| Net loans and leases to deposits | 100.5025% | 619 |
| Net loans and leases to core deposits | 103.6439% | 1,213 |
| Total domestic deposits to total assets | 83.4904% | 3,762 |
| Equity capital to assets | 10.6540% | 3,266 |
| Core capital (leverage) ratio | 8.6302% | 5,400 |
| Tier 1 risk-based capital ratio | 11.0182% | 5,701 |
| Total risk-based capital ratio | 12.2754% | 5,620 |
| Memoranda: | ||
| Average total assets | $127,088,670 | 4,018 |
| Average earning assets | $111,778,000 | 4,121 |
| Average equity | $13,758,670 | 4,086 |
| Average total loans | $109,213,000 | 3,266 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4731% | 274 |
| Cost of funding earning assets | 0.7117% | 808 |
| Net interest margin | 4.7615% | 376 |
| Noninterest income to average assets | 0.7454% | 1,939 |
| Noninterest expense to average assets | 3.4372% | 1,426 |
| Loan and lease loss provision to assets | 0.2007% | 926 |
| Net operating income to assets | 0.8442% | 3,034 |
| Return on assets (ROA) | 0.8442% | 3,160 |
| Pretax return on assets | 1.3061% | 2,260 |
| Return on Equity (ROE) | 7.7338% | 3,102 |
| Retained earnings to average equity (ytd only) | 1.8970% | 4,717 |
| Net charge-offs to loans | -0.0037% | 4,435 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5232% | 3,574 |
| Assets per employee ($millions) | 2.8896% | 5,792 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 2,154 |
| Loan loss allowance to noncurrent loans | 2,502.8986% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 5,107 |
| Noncurrent loans to loans | 0.0628% | 5,526 |
| Net loans and leases to total assets | 85.0528% | 244 |
| Net loans and leases to deposits | 102.2795% | 444 |
| Net loans and leases to core deposits | 105.5603% | 966 |
| Total domestic deposits to total assets | 83.1573% | 4,136 |
| Equity capital to assets | 10.8077% | 3,184 |
| Core capital (leverage) ratio | 8.7284% | 5,292 |
| Tier 1 risk-based capital ratio | 11.0779% | 5,770 |
| Total risk-based capital ratio | 12.3341% | 5,684 |
| Memoranda: | ||
| Average total assets | $125,568,000 | 4,074 |
| Average earning assets | $110,722,500 | 4,166 |
| Average equity | $13,706,000 | 4,125 |
| Average total loans | $108,332,500 | 3,295 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4912% | 321 |
| Cost of funding earning assets | 0.7240% | 981 |
| Net interest margin | 4.7672% | 458 |
| Noninterest income to average assets | 0.5884% | 2,931 |
| Noninterest expense to average assets | 3.3888% | 1,720 |
| Loan and lease loss provision to assets | 0.2126% | 1,174 |
| Net operating income to assets | 0.7629% | 3,551 |
| Return on assets (ROA) | 0.8026% | 3,456 |
| Pretax return on assets | 1.2244% | 2,553 |
| Return on Equity (ROE) | 7.1092% | 3,569 |
| Retained earnings to average equity (ytd only) | 2.6613% | 4,352 |
| Net charge-offs to loans | 0.1752% | 2,269 |
| Credit loss provision to net charge-offs | 146.8208% | 1,638 |
| Earnings coverage of net charge-offs (x) | 9.5087% | 2,740 |
| Efficiency ratio | 70.8465% | 3,403 |
| Assets per employee ($millions) | 2.8181% | 5,910 |
| Cash dividends to net income (ytd only)* | 62.5652% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 2,239 |
| Loan loss allowance to noncurrent loans | 12,792.3077% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,122 |
| Noncurrent loans to loans | 0.0122% | 5,864 |
| Net loans and leases to total assets | 84.7921% | 290 |
| Net loans and leases to deposits | 105.9955% | 355 |
| Net loans and leases to core deposits | 109.5119% | 801 |
| Total domestic deposits to total assets | 79.9960% | 5,019 |
| Equity capital to assets | 11.0254% | 2,870 |
| Core capital (leverage) ratio | 8.8816% | 5,147 |
| Tier 1 risk-based capital ratio | 11.1467% | 5,848 |
| Total risk-based capital ratio | 12.4026% | 5,780 |
| Memoranda: | ||
| Average total assets | $119,483,000 | 4,190 |
| Average earning assets | $104,694,200 | 4,296 |
| Average equity | $13,489,600 | 4,105 |
| Average total loans | $98,728,800 | 3,453 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 349 |
| Cost of funding earning assets | 0.7248% | 1,019 |
| Net interest margin | 4.7103% | 496 |
| Noninterest income to average assets | 0.6061% | 2,833 |
| Noninterest expense to average assets | 3.3965% | 1,679 |
| Loan and lease loss provision to assets | 0.2129% | 1,082 |
| Net operating income to assets | 0.7373% | 3,740 |
| Return on assets (ROA) | 0.7908% | 3,570 |
| Pretax return on assets | 1.1998% | 2,778 |
| Return on Equity (ROE) | 6.9619% | 3,723 |
| Retained earnings to average equity (ytd only) | 2.4991% | 4,798 |
| Net charge-offs to loans | 0.1186% | 2,623 |
| Credit loss provision to net charge-offs | 219.7674% | 1,176 |
| Earnings coverage of net charge-offs (x) | 13.7446% | 2,200 |
| Efficiency ratio | 71.4796% | 3,272 |
| Assets per employee ($millions) | 2.8013% | 5,961 |
| Cash dividends to net income (ytd only)* | 64.1029% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 2,248 |
| Loan loss allowance to noncurrent loans | 104.4637% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 2,091 |
| Noncurrent loans to loans | 1.5461% | 2,099 |
| Net loans and leases to total assets | 83.2771% | 375 |
| Net loans and leases to deposits | 103.1018% | 448 |
| Net loans and leases to core deposits | 108.9130% | 803 |
| Total domestic deposits to total assets | 80.7717% | 4,893 |
| Equity capital to assets | 11.0080% | 2,950 |
| Core capital (leverage) ratio | 9.0371% | 5,024 |
| Tier 1 risk-based capital ratio | 11.4195% | 5,826 |
| Total risk-based capital ratio | 12.6769% | 5,763 |
| Memoranda: | ||
| Average total assets | $118,355,000 | 4,252 |
| Average earning assets | $103,571,000 | 4,358 |
| Average equity | $13,444,250 | 4,142 |
| Average total loans | $96,710,750 | 3,515 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 393 |
| Cost of funding earning assets | 0.7349% | 994 |
| Net interest margin | 4.6326% | 550 |
| Noninterest income to average assets | 0.5843% | 2,899 |
| Noninterest expense to average assets | 3.4098% | 1,657 |
| Loan and lease loss provision to assets | 0.2159% | 1,090 |
| Net operating income to assets | 0.6645% | 4,020 |
| Return on assets (ROA) | 0.7437% | 3,702 |
| Pretax return on assets | 1.1292% | 2,981 |
| Return on Equity (ROE) | 6.4762% | 3,892 |
| Retained earnings to average equity (ytd only) | 1.9996% | 4,881 |
| Net charge-offs to loans | 0.2145% | 1,739 |
| Credit loss provision to net charge-offs | 124.7525% | 1,674 |
| Earnings coverage of net charge-offs (x) | 7.0792% | 2,683 |
| Efficiency ratio | 73.1978% | 3,123 |
| Assets per employee ($millions) | 2.8166% | 6,010 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 2,362 |
| Loan loss allowance to noncurrent loans | 108.6545% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.6847% | 1,934 |
| Noncurrent loans to loans | 1.4987% | 2,323 |
| Net loans and leases to total assets | 82.0607% | 462 |
| Net loans and leases to deposits | 99.7780% | 567 |
| Net loans and leases to core deposits | 102.2595% | 1,116 |
| Total domestic deposits to total assets | 82.2433% | 4,572 |
| Equity capital to assets | 11.3771% | 2,529 |
| Core capital (leverage) ratio | 9.0639% | 4,920 |
| Tier 1 risk-based capital ratio | 11.8458% | 5,627 |
| Total risk-based capital ratio | 13.1031% | 5,548 |
| Memoranda: | ||
| Average total assets | $116,721,330 | 4,311 |
| Average earning assets | $102,059,000 | 4,411 |
| Average equity | $13,403,000 | 4,154 |
| Average total loans | $94,171,330 | 3,589 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 433 |
| Cost of funding earning assets | 0.7391% | 1,024 |
| Net interest margin | 4.5295% | 621 |
| Noninterest income to average assets | 0.5934% | 2,773 |
| Noninterest expense to average assets | 3.4089% | 1,683 |
| Loan and lease loss provision to assets | 0.2174% | 1,047 |
| Net operating income to assets | 0.6100% | 4,153 |
| Return on assets (ROA) | 0.7694% | 3,394 |
| Pretax return on assets | 1.1627% | 2,649 |
| Return on Equity (ROE) | 6.6692% | 3,650 |
| Retained earnings to average equity (ytd only) | 2.1832% | 4,730 |
| Net charge-offs to loans | 0.1741% | 1,675 |
| Credit loss provision to net charge-offs | 157.5000% | 1,218 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,043 |
| Efficiency ratio | 74.5827% | 3,035 |
| Assets per employee ($millions) | 2.7233% | 6,182 |
| Cash dividends to net income (ytd only)* | 67.2646% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 2,208 |
| Loan loss allowance to noncurrent loans | 99.8134% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.7831% | 1,973 |
| Noncurrent loans to loans | 1.7488% | 2,209 |
| Net loans and leases to total assets | 77.1515% | 862 |
| Net loans and leases to deposits | 94.0311% | 788 |
| Net loans and leases to core deposits | 96.1404% | 1,373 |
| Total domestic deposits to total assets | 82.0490% | 4,931 |
| Equity capital to assets | 11.4370% | 2,302 |
| Core capital (leverage) ratio | 9.1063% | 4,862 |
| Tier 1 risk-based capital ratio | 12.2220% | 5,494 |
| Total risk-based capital ratio | 13.4804% | 5,422 |
| Memoranda: | ||
| Average total assets | $115,932,500 | 4,367 |
| Average earning assets | $101,203,000 | 4,478 |
| Average equity | $13,375,000 | 4,171 |
| Average total loans | $91,915,000 | 3,665 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 528 |
| Cost of funding earning assets | 0.8615% | 904 |
| Net interest margin | 4.4381% | 844 |
| Noninterest income to average assets | 0.6540% | 2,786 |
| Noninterest expense to average assets | 3.2047% | 2,401 |
| Loan and lease loss provision to assets | 0.1971% | 1,882 |
| Net operating income to assets | 0.7363% | 3,624 |
| Return on assets (ROA) | 0.7508% | 3,642 |
| Pretax return on assets | 1.1424% | 2,798 |
| Return on Equity (ROE) | 6.6210% | 3,765 |
| Retained earnings to average equity (ytd only) | 1.0036% | 5,394 |
| Net charge-offs to loans | 0.1572% | 3,231 |
| Credit loss provision to net charge-offs | 162.2378% | 1,409 |
| Earnings coverage of net charge-offs (x) | 10.8462% | 2,310 |
| Efficiency ratio | 70.4921% | 3,759 |
| Assets per employee ($millions) | 2.7325% | 6,184 |
| Cash dividends to net income (ytd only)* | 84.8416% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 2,329 |
| Loan loss allowance to noncurrent loans | 82.2245% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.8002% | 2,048 |
| Noncurrent loans to loans | 2.0941% | 1,894 |
| Net loans and leases to total assets | 78.6813% | 745 |
| Net loans and leases to deposits | 96.2788% | 710 |
| Net loans and leases to core deposits | 98.5711% | 1,271 |
| Total domestic deposits to total assets | 81.7223% | 4,960 |
| Equity capital to assets | 11.6388% | 2,073 |
| Core capital (leverage) ratio | 9.1262% | 4,813 |
| Tier 1 risk-based capital ratio | 12.2420% | 5,464 |
| Total risk-based capital ratio | 13.5001% | 5,387 |
| Memoranda: | ||
| Average total assets | $117,734,000 | 4,322 |
| Average earning assets | $102,612,200 | 4,446 |
| Average equity | $13,351,400 | 4,193 |
| Average total loans | $90,985,600 | 3,670 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 586 |
| Cost of funding earning assets | 0.8778% | 914 |
| Net interest margin | 4.3724% | 946 |
| Noninterest income to average assets | 0.6482% | 2,892 |
| Noninterest expense to average assets | 3.1758% | 2,433 |
| Loan and lease loss provision to assets | 0.1902% | 1,928 |
| Net operating income to assets | 0.7189% | 3,762 |
| Return on assets (ROA) | 0.7382% | 3,790 |
| Pretax return on assets | 1.1175% | 3,030 |
| Return on Equity (ROE) | 6.5516% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.0574% | 5,097 |
| Net charge-offs to loans | 0.1924% | 2,688 |
| Credit loss provision to net charge-offs | 129.0076% | 1,828 |
| Earnings coverage of net charge-offs (x) | 8.6719% | 2,591 |
| Efficiency ratio | 70.9197% | 3,618 |
| Assets per employee ($millions) | 2.6972% | 6,280 |
| Cash dividends to net income (ytd only)* | 68.5985% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 2,743 |
| Loan loss allowance to noncurrent loans | 90.4846% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 2,603 |
| Noncurrent loans to loans | 1.8417% | 2,445 |
| Net loans and leases to total assets | 77.8921% | 759 |
| Net loans and leases to deposits | 97.2841% | 608 |
| Net loans and leases to core deposits | 99.6185% | 1,147 |
| Total domestic deposits to total assets | 80.0666% | 5,494 |
| Equity capital to assets | 11.5847% | 2,235 |
| Core capital (leverage) ratio | 9.0722% | 5,007 |
| Tier 1 risk-based capital ratio | 12.1972% | 5,649 |
| Total risk-based capital ratio | 13.4556% | 5,578 |
| Memoranda: | ||
| Average total assets | $118,476,750 | 4,350 |
| Average earning assets | $103,128,250 | 4,469 |
| Average equity | $13,350,000 | 4,241 |
| Average total loans | $90,762,250 | 3,700 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 641 |
| Cost of funding earning assets | 0.8995% | 903 |
| Net interest margin | 4.3010% | 1,031 |
| Noninterest income to average assets | 0.6353% | 2,988 |
| Noninterest expense to average assets | 3.1666% | 2,456 |
| Loan and lease loss provision to assets | 0.1777% | 2,137 |
| Net operating income to assets | 0.6853% | 3,876 |
| Return on assets (ROA) | 0.7141% | 3,913 |
| Pretax return on assets | 1.0779% | 3,185 |
| Return on Equity (ROE) | 6.3958% | 3,940 |
| Retained earnings to average equity (ytd only) | 1.8917% | 5,062 |
| Net charge-offs to loans | 0.1814% | 2,669 |
| Credit loss provision to net charge-offs | 129.2683% | 1,748 |
| Earnings coverage of net charge-offs (x) | 8.8171% | 2,362 |
| Efficiency ratio | 71.9372% | 3,479 |
| Assets per employee ($millions) | 2.8113% | 6,150 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 2,966 |
| Loan loss allowance to noncurrent loans | 90.9472% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.6362% | 2,651 |
| Noncurrent loans to loans | 1.8181% | 2,613 |
| Net loans and leases to total assets | 76.4150% | 940 |
| Net loans and leases to deposits | 94.8540% | 750 |
| Net loans and leases to core deposits | 97.0694% | 1,278 |
| Total domestic deposits to total assets | 80.5607% | 5,457 |
| Equity capital to assets | 11.2954% | 2,470 |
| Core capital (leverage) ratio | 8.8260% | 5,254 |
| Tier 1 risk-based capital ratio | 11.7704% | 5,940 |
| Total risk-based capital ratio | 13.0267% | 5,887 |
| Memoranda: | ||
| Average total assets | $119,308,670 | 4,365 |
| Average earning assets | $103,835,330 | 4,483 |
| Average equity | $13,321,330 | 4,278 |
| Average total loans | $90,392,670 | 3,717 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 788 |
| Cost of funding earning assets | 0.9380% | 825 |
| Net interest margin | 4.1332% | 1,363 |
| Noninterest income to average assets | 0.6070% | 3,096 |
| Noninterest expense to average assets | 3.1319% | 2,573 |
| Loan and lease loss provision to assets | 0.2101% | 1,763 |
| Net operating income to assets | 0.5970% | 4,229 |
| Return on assets (ROA) | 0.5970% | 4,378 |
| Pretax return on assets | 0.8805% | 3,832 |
| Return on Equity (ROE) | 5.3780% | 4,361 |
| Retained earnings to average equity (ytd only) | 0.8713% | 5,497 |
| Net charge-offs to loans | 0.1739% | 2,355 |
| Credit loss provision to net charge-offs | 161.5385% | 1,293 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 1,952 |
| Efficiency ratio | 73.7757% | 3,303 |
| Assets per employee ($millions) | 2.7579% | 6,344 |
| Cash dividends to net income (ytd only)* | 83.7989% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 3,103 |
| Loan loss allowance to noncurrent loans | 77.2010% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8542% | 2,540 |
| Noncurrent loans to loans | 2.1721% | 2,423 |
| Net loans and leases to total assets | 73.2985% | 1,172 |
| Net loans and leases to deposits | 90.4558% | 924 |
| Net loans and leases to core deposits | 92.4913% | 1,456 |
| Total domestic deposits to total assets | 81.0324% | 5,487 |
| Equity capital to assets | 10.9807% | 2,977 |
| Core capital (leverage) ratio | 8.6607% | 5,376 |
| Tier 1 risk-based capital ratio | 11.9487% | 5,946 |
| Total risk-based capital ratio | 13.2053% | 5,907 |
| Memoranda: | ||
| Average total assets | $119,925,500 | 4,398 |
| Average earning assets | $104,906,000 | 4,496 |
| Average equity | $13,313,500 | 4,328 |
| Average total loans | $89,717,000 | 3,756 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 936 |
| Cost of funding earning assets | 1.0561% | 1,092 |
| Net interest margin | 4.2387% | 1,550 |
| Noninterest income to average assets | 0.5506% | 3,575 |
| Noninterest expense to average assets | 3.0658% | 3,025 |
| Loan and lease loss provision to assets | 0.3555% | 1,881 |
| Net operating income to assets | 0.5762% | 4,354 |
| Return on assets (ROA) | 0.5802% | 4,592 |
| Pretax return on assets | 0.8313% | 4,176 |
| Return on Equity (ROE) | 5.3439% | 4,507 |
| Retained earnings to average equity (ytd only) | 1.9329% | 4,857 |
| Net charge-offs to loans | 0.3895% | 2,694 |
| Credit loss provision to net charge-offs | 126.3158% | 2,234 |
| Earnings coverage of net charge-offs (x) | 4.1959% | 3,446 |
| Efficiency ratio | 71.8023% | 3,454 |
| Assets per employee ($millions) | 2.6932% | 6,429 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 3,014 |
| Loan loss allowance to noncurrent loans | 70.8590% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.0168% | 2,433 |
| Noncurrent loans to loans | 2.3682% | 2,269 |
| Net loans and leases to total assets | 73.8190% | 1,221 |
| Net loans and leases to deposits | 91.3426% | 961 |
| Net loans and leases to core deposits | 94.6004% | 1,420 |
| Total domestic deposits to total assets | 80.8155% | 5,452 |
| Equity capital to assets | 11.2251% | 2,707 |
| Core capital (leverage) ratio | 8.8022% | 5,176 |
| Tier 1 risk-based capital ratio | 11.8496% | 5,874 |
| Total risk-based capital ratio | 13.1057% | 5,834 |
| Memoranda: | ||
| Average total assets | $121,503,400 | 4,332 |
| Average earning assets | $105,952,600 | 4,452 |
| Average equity | $13,192,600 | 4,318 |
| Average total loans | $87,798,800 | 3,799 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2960% | 1,024 |
| Cost of funding earning assets | 1.0674% | 1,206 |
| Net interest margin | 4.2285% | 1,648 |
| Noninterest income to average assets | 0.5213% | 3,795 |
| Noninterest expense to average assets | 3.0559% | 3,036 |
| Loan and lease loss provision to assets | 0.4362% | 1,446 |
| Net operating income to assets | 0.5049% | 4,824 |
| Return on assets (ROA) | 0.5049% | 5,085 |
| Pretax return on assets | 0.7187% | 4,797 |
| Return on Equity (ROE) | 4.6890% | 4,970 |
| Retained earnings to average equity (ytd only) | 1.6508% | 5,510 |
| Net charge-offs to loans | 0.4784% | 2,184 |
| Credit loss provision to net charge-offs | 127.3885% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.3726% | 3,676 |
| Efficiency ratio | 72.1834% | 3,288 |
| Assets per employee ($millions) | 2.6794% | 6,518 |
| Cash dividends to net income (ytd only)* | 64.7946% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 3,252 |
| Loan loss allowance to noncurrent loans | 70.5353% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.0391% | 2,594 |
| Noncurrent loans to loans | 2.3698% | 2,432 |
| Net loans and leases to total assets | 74.2979% | 1,204 |
| Net loans and leases to deposits | 92.0519% | 967 |
| Net loans and leases to core deposits | 95.3330% | 1,456 |
| Total domestic deposits to total assets | 80.7130% | 5,447 |
| Equity capital to assets | 11.2449% | 2,988 |
| Core capital (leverage) ratio | 8.5712% | 5,666 |
| Tier 1 risk-based capital ratio | 11.8627% | 6,018 |
| Total risk-based capital ratio | 13.1228% | 5,995 |
| Memoranda: | ||
| Average total assets | $122,253,750 | 4,343 |
| Average earning assets | $106,670,000 | 4,472 |
| Average equity | $13,165,250 | 4,365 |
| Average total loans | $87,506,000 | 3,847 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 1,237 |
| Cost of funding earning assets | 1.0793% | 1,316 |
| Net interest margin | 4.1261% | 1,985 |
| Noninterest income to average assets | 0.6014% | 3,254 |
| Noninterest expense to average assets | 3.0055% | 3,241 |
| Loan and lease loss provision to assets | 0.4058% | 1,617 |
| Net operating income to assets | 0.5578% | 4,551 |
| Return on assets (ROA) | 0.5578% | 4,830 |
| Pretax return on assets | 0.7873% | 4,516 |
| Return on Equity (ROE) | 5.2533% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.9692% | 4,658 |
| Net charge-offs to loans | 0.6576% | 1,679 |
| Credit loss provision to net charge-offs | 87.7622% | 3,111 |
| Earnings coverage of net charge-offs (x) | 2.5804% | 3,715 |
| Efficiency ratio | 71.1975% | 3,569 |
| Assets per employee ($millions) | 2.8884% | 6,258 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,766 |
| Loan loss allowance to noncurrent loans | 57.9907% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 2.6352% | 2,104 |
| Noncurrent loans to loans | 2.6790% | 2,245 |
| Net loans and leases to total assets | 69.7954% | 1,954 |
| Net loans and leases to deposits | 85.3674% | 1,677 |
| Net loans and leases to core deposits | 88.4490% | 2,155 |
| Total domestic deposits to total assets | 81.7589% | 5,213 |
| Equity capital to assets | 10.6672% | 3,492 |
| Core capital (leverage) ratio | 8.3964% | 5,798 |
| Tier 1 risk-based capital ratio | 11.8420% | 6,030 |
| Total risk-based capital ratio | 13.0965% | 5,997 |
| Memoranda: | ||
| Average total assets | $123,707,330 | 4,338 |
| Average earning assets | $107,849,330 | 4,464 |
| Average equity | $13,134,670 | 4,372 |
| Average total loans | $86,981,000 | 3,882 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 1,200 |
| Cost of funding earning assets | 1.1141% | 1,327 |
| Net interest margin | 4.1395% | 1,967 |
| Noninterest income to average assets | 0.5508% | 3,562 |
| Noninterest expense to average assets | 3.0585% | 3,057 |
| Loan and lease loss provision to assets | 0.2916% | 2,133 |
| Net operating income to assets | 0.5702% | 4,492 |
| Return on assets (ROA) | 0.5702% | 4,717 |
| Pretax return on assets | 0.8003% | 4,412 |
| Return on Equity (ROE) | 5.3833% | 4,598 |
| Retained earnings to average equity (ytd only) | 0.7953% | 5,738 |
| Net charge-offs to loans | 0.6015% | 1,586 |
| Credit loss provision to net charge-offs | 69.2308% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.5923% | 3,135 |
| Efficiency ratio | 73.6924% | 3,143 |
| Assets per employee ($millions) | 2.5798% | 6,766 |
| Cash dividends to net income (ytd only)* | 85.2273% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,897 |
| Loan loss allowance to noncurrent loans | 141.2435% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 2.1707% | 2,716 |
| Noncurrent loans to loans | 1.1036% | 4,491 |
| Net loans and leases to total assets | 69.5152% | 1,835 |
| Net loans and leases to deposits | 84.9896% | 1,536 |
| Net loans and leases to core deposits | 88.0461% | 2,047 |
| Total domestic deposits to total assets | 81.7926% | 5,362 |
| Equity capital to assets | 10.5799% | 3,400 |
| Core capital (leverage) ratio | 8.3193% | 5,847 |
| Tier 1 risk-based capital ratio | 11.4474% | 6,311 |
| Total risk-based capital ratio | 12.6978% | 6,293 |
| Memoranda: | ||
| Average total assets | $123,459,500 | 4,367 |
| Average earning assets | $107,356,000 | 4,504 |
| Average equity | $13,077,500 | 4,395 |
| Average total loans | $86,443,500 | 3,925 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3866% | 1,447 |
| Cost of funding earning assets | 1.2734% | 1,600 |
| Net interest margin | 4.1131% | 2,377 |
| Noninterest income to average assets | 0.3293% | 5,186 |
| Noninterest expense to average assets | 2.9833% | 3,652 |
| Loan and lease loss provision to assets | 0.3803% | 2,719 |
| Net operating income to assets | 0.4267% | 4,750 |
| Return on assets (ROA) | 0.4784% | 4,719 |
| Pretax return on assets | 0.6027% | 4,687 |
| Return on Equity (ROE) | 4.5461% | 4,603 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.4174% | 3,339 |
| Credit loss provision to net charge-offs | 134.3662% | 2,243 |
| Earnings coverage of net charge-offs (x) | 3.2423% | 3,588 |
| Efficiency ratio | 76.0679% | 2,880 |
| Assets per employee ($millions) | 2.6759% | 6,644 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 3,408 |
| Loan loss allowance to noncurrent loans | 117.8992% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 3,352 |
| Noncurrent loans to loans | 1.3927% | 4,059 |
| Net loans and leases to total assets | 68.2761% | 2,343 |
| Net loans and leases to deposits | 83.4916% | 1,987 |
| Net loans and leases to core deposits | 86.4931% | 2,572 |
| Total domestic deposits to total assets | 81.7759% | 5,199 |
| Equity capital to assets | 10.6052% | 3,412 |
| Core capital (leverage) ratio | 8.1929% | 6,015 |
| Tier 1 risk-based capital ratio | 11.7489% | 5,993 |
| Total risk-based capital ratio | 13.0040% | 5,977 |
| Memoranda: | ||
| Average total assets | $125,429,600 | 4,262 |
| Average earning assets | $108,919,400 | 4,423 |
| Average equity | $13,198,200 | 4,303 |
| Average total loans | $85,059,600 | 3,997 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3866% | 1,554 |
| Cost of funding earning assets | 1.3015% | 1,691 |
| Net interest margin | 4.0851% | 2,530 |
| Noninterest income to average assets | 0.4084% | 4,608 |
| Noninterest expense to average assets | 2.9985% | 3,558 |
| Loan and lease loss provision to assets | 0.3058% | 3,085 |
| Net operating income to assets | 0.5592% | 4,275 |
| Return on assets (ROA) | 0.6338% | 4,134 |
| Pretax return on assets | 0.7343% | 4,366 |
| Return on Equity (ROE) | 6.0347% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.5086% | 4,863 |
| Net charge-offs to loans | 0.2825% | 3,671 |
| Credit loss provision to net charge-offs | 160.5556% | 1,917 |
| Earnings coverage of net charge-offs (x) | 5.0056% | 2,902 |
| Efficiency ratio | 75.4752% | 2,923 |
| Assets per employee ($millions) | 2.5185% | 6,865 |
| Cash dividends to net income (ytd only)* | 58.4311% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 3,555 |
| Loan loss allowance to noncurrent loans | 230.8970% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 4,319 |
| Noncurrent loans to loans | 0.7035% | 5,472 |
| Net loans and leases to total assets | 68.2144% | 2,441 |
| Net loans and leases to deposits | 83.6475% | 2,052 |
| Net loans and leases to core deposits | 86.6346% | 2,696 |
| Total domestic deposits to total assets | 81.5498% | 5,237 |
| Equity capital to assets | 10.7951% | 3,365 |
| Core capital (leverage) ratio | 8.3100% | 5,961 |
| Tier 1 risk-based capital ratio | 12.0864% | 5,834 |
| Total risk-based capital ratio | 13.3345% | 5,824 |
| Memoranda: | ||
| Average total assets | $126,014,500 | 4,270 |
| Average earning assets | $109,305,250 | 4,441 |
| Average equity | $13,234,250 | 4,301 |
| Average total loans | $84,963,500 | 4,034 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 1,550 |
| Cost of funding earning assets | 1.3281% | 1,774 |
| Net interest margin | 4.0755% | 2,508 |
| Noninterest income to average assets | 0.4256% | 4,465 |
| Noninterest expense to average assets | 2.9618% | 3,785 |
| Loan and lease loss provision to assets | 0.2853% | 3,098 |
| Net operating income to assets | 0.5847% | 4,134 |
| Return on assets (ROA) | 0.6920% | 3,698 |
| Pretax return on assets | 0.8338% | 3,897 |
| Return on Equity (ROE) | 6.6490% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.6490% | 2,051 |
| Net charge-offs to loans | 0.3539% | 3,137 |
| Credit loss provision to net charge-offs | 120.6667% | 2,529 |
| Earnings coverage of net charge-offs (x) | 4.1867% | 2,938 |
| Efficiency ratio | 74.5513% | 3,264 |
| Assets per employee ($millions) | 2.6260% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 3,894 |
| Loan loss allowance to noncurrent loans | 178.5034% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3519% | 4,202 |
| Noncurrent loans to loans | 0.8698% | 5,216 |
| Net loans and leases to total assets | 65.9950% | 3,031 |
| Net loans and leases to deposits | 80.6519% | 2,673 |
| Net loans and leases to core deposits | 83.6662% | 3,262 |
| Total domestic deposits to total assets | 81.8269% | 5,222 |
| Equity capital to assets | 10.6950% | 3,292 |
| Core capital (leverage) ratio | 8.3006% | 5,871 |
| Tier 1 risk-based capital ratio | 12.5221% | 5,325 |
| Total risk-based capital ratio | 13.7711% | 5,300 |
| Memoranda: | ||
| Average total assets | $126,883,330 | 4,288 |
| Average earning assets | $109,777,330 | 4,452 |
| Average equity | $13,205,000 | 4,292 |
| Average total loans | $84,760,670 | 4,075 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 1,361 |
| Cost of funding earning assets | 1.3694% | 1,774 |
| Net interest margin | 4.1081% | 2,237 |
| Noninterest income to average assets | 0.3551% | 5,059 |
| Noninterest expense to average assets | 3.0259% | 3,534 |
| Loan and lease loss provision to assets | 0.3394% | 2,523 |
| Net operating income to assets | 0.5467% | 4,283 |
| Return on assets (ROA) | 0.5467% | 4,367 |
| Pretax return on assets | 0.5342% | 4,917 |
| Return on Equity (ROE) | 5.3264% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.3264% | 2,987 |
| Net charge-offs to loans | 0.4146% | 2,446 |
| Credit loss provision to net charge-offs | 122.7273% | 2,235 |
| Earnings coverage of net charge-offs (x) | 3.1591% | 2,830 |
| Efficiency ratio | 77.1958% | 2,955 |
| Assets per employee ($millions) | 2.6553% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,991 |
| Loan loss allowance to noncurrent loans | 113.1304% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 2.6629% | 2,580 |
| Noncurrent loans to loans | 1.3644% | 4,430 |
| Net loans and leases to total assets | 65.1087% | 3,218 |
| Net loans and leases to deposits | 79.1464% | 2,864 |
| Net loans and leases to core deposits | 81.8942% | 3,472 |
| Total domestic deposits to total assets | 82.2637% | 5,203 |
| Equity capital to assets | 10.3267% | 3,379 |
| Core capital (leverage) ratio | 8.0362% | 6,208 |
| Tier 1 risk-based capital ratio | 11.8262% | 5,835 |
| Total risk-based capital ratio | 13.0575% | 5,851 |
| Memoranda: | ||
| Average total assets | $127,300,500 | 4,315 |
| Average earning assets | $109,831,500 | 4,477 |
| Average equity | $13,067,000 | 4,324 |
| Average total loans | $84,892,000 | 4,111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8703% | 1,101 |
| Cost of funding earning assets | 1.7237% | 1,493 |
| Net interest margin | 4.1466% | 2,379 |
| Noninterest income to average assets | 0.3558% | 5,268 |
| Noninterest expense to average assets | 2.9379% | 4,077 |
| Loan and lease loss provision to assets | 0.6526% | 2,529 |
| Net operating income to assets | 0.2309% | 5,178 |
| Return on assets (ROA) | 0.2446% | 5,278 |
| Pretax return on assets | 0.3121% | 5,200 |
| Return on Equity (ROE) | 2.4709% | 5,199 |
| Retained earnings to average equity (ytd only) | 2.4709% | 4,148 |
| Net charge-offs to loans | 1.5888% | 1,373 |
| Credit loss provision to net charge-offs | 56.4324% | 6,145 |
| Earnings coverage of net charge-offs (x) | 0.8190% | 5,311 |
| Efficiency ratio | 75.1283% | 3,181 |
| Assets per employee ($millions) | 2.7052% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 4,022 |
| Loan loss allowance to noncurrent loans | 71.8049% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 3.4457% | 2,025 |
| Noncurrent loans to loans | 2.0866% | 3,447 |
| Net loans and leases to total assets | 66.2370% | 3,417 |
| Net loans and leases to deposits | 80.3966% | 3,096 |
| Net loans and leases to core deposits | 83.1707% | 3,725 |
| Total domestic deposits to total assets | 82.3878% | 5,065 |
| Equity capital to assets | 10.2025% | 3,496 |
| Core capital (leverage) ratio | 7.8100% | 6,430 |
| Tier 1 risk-based capital ratio | 11.2645% | 6,118 |
| Total risk-based capital ratio | 12.5172% | 6,101 |
| Memoranda: | ||
| Average total assets | $130,398,600 | 4,256 |
| Average earning assets | $110,981,600 | 4,446 |
| Average equity | $12,910,400 | 4,380 |
| Average total loans | $94,914,000 | 3,928 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9827% | 970 |
| Cost of funding earning assets | 1.7850% | 1,482 |
| Net interest margin | 4.1977% | 2,223 |
| Noninterest income to average assets | 0.4664% | 4,439 |
| Noninterest expense to average assets | 2.8919% | 4,128 |
| Loan and lease loss provision to assets | 0.6381% | 2,395 |
| Net operating income to assets | 0.3800% | 4,837 |
| Return on assets (ROA) | 0.3800% | 5,026 |
| Pretax return on assets | 0.4969% | 4,937 |
| Return on Equity (ROE) | 3.8670% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.8670% | 3,746 |
| Net charge-offs to loans | 1.1555% | 1,766 |
| Credit loss provision to net charge-offs | 74.4958% | 5,301 |
| Earnings coverage of net charge-offs (x) | 1.3250% | 4,753 |
| Efficiency ratio | 71.3096% | 3,834 |
| Assets per employee ($millions) | 2.7080% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 2,557 |
| Loan loss allowance to noncurrent loans | 49.2145% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 4.5913% | 1,474 |
| Noncurrent loans to loans | 3.8109% | 2,016 |
| Net loans and leases to total assets | 69.3508% | 2,890 |
| Net loans and leases to deposits | 83.9628% | 2,715 |
| Net loans and leases to core deposits | 86.7780% | 3,547 |
| Total domestic deposits to total assets | 82.5971% | 4,753 |
| Equity capital to assets | 10.1366% | 3,965 |
| Core capital (leverage) ratio | 7.7425% | 6,631 |
| Tier 1 risk-based capital ratio | 10.7528% | 6,585 |
| Total risk-based capital ratio | 12.0141% | 6,561 |
| Memoranda: | ||
| Average total assets | $131,212,000 | 4,295 |
| Average earning assets | $111,295,750 | 4,497 |
| Average equity | $12,895,000 | 4,460 |
| Average total loans | $97,268,000 | 3,938 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 1,125 |
| Cost of funding earning assets | 1.8294% | 1,532 |
| Net interest margin | 4.0959% | 2,581 |
| Noninterest income to average assets | 0.5288% | 3,886 |
| Noninterest expense to average assets | 2.8415% | 4,306 |
| Loan and lease loss provision to assets | 0.6002% | 2,389 |
| Net operating income to assets | 0.4680% | 4,473 |
| Return on assets (ROA) | 0.4680% | 4,634 |
| Pretax return on assets | 0.5470% | 4,749 |
| Return on Equity (ROE) | 4.8120% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.8120% | 3,004 |
| Net charge-offs to loans | 0.7732% | 2,313 |
| Credit loss provision to net charge-offs | 103.1332% | 3,951 |
| Earnings coverage of net charge-offs (x) | 1.9713% | 4,046 |
| Efficiency ratio | 70.6667% | 4,043 |
| Assets per employee ($millions) | 2.7397% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 2,141 |
| Loan loss allowance to noncurrent loans | 42.7070% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 5.4887% | 1,126 |
| Noncurrent loans to loans | 4.7151% | 1,507 |
| Net loans and leases to total assets | 72.1549% | 2,359 |
| Net loans and leases to deposits | 87.0436% | 2,329 |
| Net loans and leases to core deposits | 89.9037% | 3,285 |
| Total domestic deposits to total assets | 82.8951% | 4,615 |
| Equity capital to assets | 9.9129% | 4,121 |
| Core capital (leverage) ratio | 7.7980% | 6,500 |
| Tier 1 risk-based capital ratio | 10.4419% | 6,726 |
| Total risk-based capital ratio | 11.7018% | 6,705 |
| Memoranda: | ||
| Average total assets | $131,621,330 | 4,308 |
| Average earning assets | $111,183,670 | 4,530 |
| Average equity | $12,801,330 | 4,481 |
| Average total loans | $99,068,000 | 3,924 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9886% | 1,003 |
| Cost of funding earning assets | 1.8670% | 1,581 |
| Net interest margin | 4.1216% | 2,348 |
| Noninterest income to average assets | 0.5377% | 3,750 |
| Noninterest expense to average assets | 2.9010% | 4,054 |
| Loan and lease loss provision to assets | 0.6440% | 1,966 |
| Net operating income to assets | 0.4951% | 4,416 |
| Return on assets (ROA) | 0.4951% | 4,550 |
| Pretax return on assets | 0.5134% | 4,914 |
| Return on Equity (ROE) | 5.1403% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.1403% | 3,074 |
| Net charge-offs to loans | 1.2178% | 1,397 |
| Credit loss provision to net charge-offs | 69.5082% | 4,108 |
| Earnings coverage of net charge-offs (x) | 1.2492% | 4,007 |
| Efficiency ratio | 70.7335% | 4,174 |
| Assets per employee ($millions) | 2.7032% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 2,559 |
| Loan loss allowance to noncurrent loans | 57.6923% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 4.3759% | 1,556 |
| Noncurrent loans to loans | 3.2152% | 2,482 |
| Net loans and leases to total assets | 75.2333% | 1,691 |
| Net loans and leases to deposits | 90.7940% | 1,784 |
| Net loans and leases to core deposits | 93.9340% | 2,849 |
| Total domestic deposits to total assets | 82.8615% | 4,695 |
| Equity capital to assets | 9.8524% | 4,050 |
| Core capital (leverage) ratio | 7.5512% | 6,795 |
| Tier 1 risk-based capital ratio | 9.7553% | 7,177 |
| Total risk-based capital ratio | 11.0126% | 7,172 |
| Memoranda: | ||
| Average total assets | $131,679,000 | 4,365 |
| Average earning assets | $112,479,500 | 4,556 |
| Average equity | $12,684,000 | 4,545 |
| Average total loans | $100,183,000 | 3,958 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0555% | 1,656 |
| Cost of funding earning assets | 2.4017% | 1,296 |
| Net interest margin | 3.6538% | 4,339 |
| Noninterest income to average assets | 0.3698% | 5,444 |
| Noninterest expense to average assets | 3.0784% | 3,838 |
| Loan and lease loss provision to assets | 1.3040% | 1,769 |
| Net operating income to assets | -0.6071% | 6,278 |
| Return on assets (ROA) | -0.5229% | 6,199 |
| Pretax return on assets | -0.7045% | 6,193 |
| Return on Equity (ROE) | -5.4540% | 6,257 |
| Retained earnings to average equity (ytd only) | -7.3556% | 6,277 |
| Net charge-offs to loans | 1.2955% | 1,915 |
| Credit loss provision to net charge-offs | 132.6409% | 3,775 |
| Earnings coverage of net charge-offs (x) | 0.4941% | 5,616 |
| Efficiency ratio | 85.3898% | 2,181 |
| Assets per employee ($millions) | 2.7834% | 6,683 |
| Cash dividends to net income (ytd only)* | -34.8675% | 7,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 2,214 |
| Loan loss allowance to noncurrent loans | 64.8377% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.9228% | 1,687 |
| Noncurrent loans to loans | 2.9623% | 2,598 |
| Net loans and leases to total assets | 74.0732% | 2,259 |
| Net loans and leases to deposits | 90.6895% | 2,106 |
| Net loans and leases to core deposits | 111.9009% | 2,707 |
| Total domestic deposits to total assets | 81.6778% | 5,070 |
| Equity capital to assets | 9.4190% | 4,528 |
| Core capital (leverage) ratio | 7.0562% | 7,191 |
| Tier 1 risk-based capital ratio | 9.4913% | 7,234 |
| Total risk-based capital ratio | 10.7476% | 7,205 |
| Memoranda: | ||
| Average total assets | $137,115,400 | 4,191 |
| Average earning assets | $119,875,400 | 4,319 |
| Average equity | $13,146,400 | 4,478 |
| Average total loans | $104,050,600 | 3,837 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0629% | 1,791 |
| Cost of funding earning assets | 2.4418% | 1,484 |
| Net interest margin | 3.6210% | 4,401 |
| Noninterest income to average assets | 0.4193% | 5,139 |
| Noninterest expense to average assets | 3.0435% | 3,868 |
| Loan and lease loss provision to assets | 0.8454% | 2,265 |
| Net operating income to assets | -0.3015% | 6,202 |
| Return on assets (ROA) | -0.1623% | 6,013 |
| Pretax return on assets | -0.1469% | 5,907 |
| Return on Equity (ROE) | -1.6858% | 6,051 |
| Retained earnings to average equity (ytd only) | -4.1945% | 6,135 |
| Net charge-offs to loans | 0.9119% | 2,146 |
| Credit loss provision to net charge-offs | 122.0363% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.8075% | 5,243 |
| Efficiency ratio | 83.5076% | 2,350 |
| Assets per employee ($millions) | 2.5954% | 7,057 |
| Cash dividends to net income (ytd only)* | -148.8147% | 8,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 2,910 |
| Loan loss allowance to noncurrent loans | 119.1367% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7051% | 2,572 |
| Noncurrent loans to loans | 1.3609% | 4,653 |
| Net loans and leases to total assets | 73.0491% | 2,777 |
| Net loans and leases to deposits | 91.6071% | 2,309 |
| Net loans and leases to core deposits | 116.9728% | 2,525 |
| Total domestic deposits to total assets | 79.7418% | 5,548 |
| Equity capital to assets | 9.5337% | 4,703 |
| Core capital (leverage) ratio | 7.3626% | 7,117 |
| Tier 1 risk-based capital ratio | 9.7858% | 7,149 |
| Total risk-based capital ratio | 11.0340% | 7,117 |
| Memoranda: | ||
| Average total assets | $137,993,500 | 4,188 |
| Average earning assets | $121,325,750 | 4,313 |
| Average equity | $13,287,000 | 4,467 |
| Average total loans | $104,837,750 | 3,855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0723% | 1,896 |
| Cost of funding earning assets | 2.4799% | 1,683 |
| Net interest margin | 3.5925% | 4,396 |
| Noninterest income to average assets | 0.4343% | 4,991 |
| Noninterest expense to average assets | 3.0418% | 3,910 |
| Loan and lease loss provision to assets | 0.3127% | 4,069 |
| Net operating income to assets | 0.1540% | 5,410 |
| Return on assets (ROA) | 0.2606% | 5,143 |
| Pretax return on assets | 0.4112% | 4,901 |
| Return on Equity (ROE) | 2.6977% | 5,018 |
| Retained earnings to average equity (ytd only) | -1.0491% | 5,499 |
| Net charge-offs to loans | 0.0851% | 5,358 |
| Credit loss provision to net charge-offs | 480.0000% | 967 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 2,244 |
| Efficiency ratio | 83.5479% | 2,531 |
| Assets per employee ($millions) | 2.5536% | 7,139 |
| Cash dividends to net income (ytd only)* | 138.8889% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 2,852 |
| Loan loss allowance to noncurrent loans | 60.3617% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.4678% | 2,615 |
| Noncurrent loans to loans | 2.6066% | 2,779 |
| Net loans and leases to total assets | 75.7147% | 2,256 |
| Net loans and leases to deposits | 95.1559% | 1,925 |
| Net loans and leases to core deposits | 120.5431% | 2,317 |
| Total domestic deposits to total assets | 79.5691% | 5,613 |
| Equity capital to assets | 9.6038% | 4,484 |
| Core capital (leverage) ratio | 7.4325% | 7,098 |
| Tier 1 risk-based capital ratio | 10.0363% | 6,881 |
| Total risk-based capital ratio | 11.2838% | 6,810 |
| Memoranda: | ||
| Average total assets | $138,140,000 | 4,214 |
| Average earning assets | $121,699,330 | 4,324 |
| Average equity | $13,344,670 | 4,457 |
| Average total loans | $105,737,670 | 3,865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2092% | 1,567 |
| Cost of funding earning assets | 2.4922% | 1,945 |
| Net interest margin | 3.7169% | 3,821 |
| Noninterest income to average assets | 0.4397% | 4,876 |
| Noninterest expense to average assets | 3.0203% | 3,675 |
| Loan and lease loss provision to assets | 0.3124% | 3,468 |
| Net operating income to assets | 0.2314% | 5,557 |
| Return on assets (ROA) | 0.2314% | 5,719 |
| Pretax return on assets | 0.3732% | 5,470 |
| Return on Equity (ROE) | 2.3889% | 5,626 |
| Retained earnings to average equity (ytd only) | 0.8958% | 5,295 |
| Net charge-offs to loans | 0.1516% | 3,748 |
| Credit loss provision to net charge-offs | 270.0000% | 1,762 |
| Earnings coverage of net charge-offs (x) | 5.9250% | 2,582 |
| Efficiency ratio | 80.5621% | 2,733 |
| Assets per employee ($millions) | 2.6034% | 7,092 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 3,071 |
| Loan loss allowance to noncurrent loans | 143.1444% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 4,071 |
| Noncurrent loans to loans | 1.0365% | 4,918 |
| Net loans and leases to total assets | 73.9670% | 2,764 |
| Net loans and leases to deposits | 95.5885% | 2,014 |
| Net loans and leases to core deposits | 119.3762% | 2,472 |
| Total domestic deposits to total assets | 77.3806% | 6,187 |
| Equity capital to assets | 9.5701% | 4,570 |
| Core capital (leverage) ratio | 7.4785% | 7,182 |
| Tier 1 risk-based capital ratio | 9.8121% | 7,130 |
| Total risk-based capital ratio | 11.0730% | 7,028 |
| Memoranda: | ||
| Average total assets | $138,263,000 | 4,227 |
| Average earning assets | $121,498,000 | 4,347 |
| Average equity | $13,395,500 | 4,477 |
| Average total loans | $105,569,000 | 3,894 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1302% | 862 |
| Cost of funding earning assets | 3.2564% | 1,029 |
| Net interest margin | 3.8737% | 3,687 |
| Noninterest income to average assets | 0.4817% | 4,784 |
| Noninterest expense to average assets | 3.1676% | 3,456 |
| Loan and lease loss provision to assets | 0.3394% | 3,677 |
| Net operating income to assets | 0.3449% | 5,375 |
| Return on assets (ROA) | 0.3644% | 5,092 |
| Pretax return on assets | 0.3808% | 5,313 |
| Return on Equity (ROE) | 3.4546% | 5,056 |
| Retained earnings to average equity (ytd only) | -0.5857% | 5,464 |
| Net charge-offs to loans | 0.2265% | 3,973 |
| Credit loss provision to net charge-offs | 197.2727% | 2,480 |
| Earnings coverage of net charge-offs (x) | 4.0682% | 4,118 |
| Efficiency ratio | 80.9341% | 2,461 |
| Assets per employee ($millions) | 2.5175% | 7,177 |
| Cash dividends to net income (ytd only)* | 116.9528% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 3,094 |
| Loan loss allowance to noncurrent loans | 176.6509% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 3,862 |
| Noncurrent loans to loans | 0.8031% | 5,038 |
| Net loans and leases to total assets | 76.5681% | 2,486 |
| Net loans and leases to deposits | 109.9888% | 833 |
| Net loans and leases to core deposits | 143.4266% | 1,119 |
| Total domestic deposits to total assets | 69.6145% | 7,325 |
| Equity capital to assets | 9.8107% | 4,279 |
| Core capital (leverage) ratio | 7.6996% | 6,933 |
| Tier 1 risk-based capital ratio | 9.7102% | 7,069 |
| Total risk-based capital ratio | 10.9621% | 6,971 |
| Memoranda: | ||
| Average total assets | $127,889,400 | 4,328 |
| Average earning assets | $111,778,800 | 4,479 |
| Average equity | $13,489,200 | 4,453 |
| Average total loans | $97,117,000 | 4,027 |