Home > McKenzie Banking Company > Performance and Condition Ratios
McKenzie Banking 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 | 8.0511% | 117 |
| Cost of funding earning assets | 0.7967% | 3,742 |
| Net interest margin | 7.2544% | 51 |
| Noninterest income to average assets | 1.6500% | 340 |
| Noninterest expense to average assets | 4.7293% | 248 |
| Loan and lease loss provision to assets | 0.4300% | 224 |
| Net operating income to assets | 2.3265% | 295 |
| Return on assets (ROA) | 2.3265% | 284 |
| Pretax return on assets | 3.1269% | 181 |
| Return on Equity (ROE) | 20.6800% | 556 |
| Retained earnings to average equity (ytd only) | 11.3193% | 724 |
| Net charge-offs to loans | 0.3920% | 266 |
| Credit loss provision to net charge-offs | 190.0693% | 1,259 |
| Earnings coverage of net charge-offs (x) | 15.6143% | 2,038 |
| Efficiency ratio | 57.0512% | 3,392 |
| Assets per employee ($millions) | 2.0982% | 4,443 |
| Cash dividends to net income (ytd only)* | 45.2694% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7150% | 155 |
| Loan loss allowance to noncurrent loans | 206.8302% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 619 |
| Noncurrent loans to loans | 1.3127% | 530 |
| Net loans and leases to total assets | 59.1800% | 2,925 |
| Net loans and leases to deposits | 68.1403% | 3,022 |
| Net loans and leases to core deposits | 69.9910% | 3,306 |
| Total domestic deposits to total assets | 86.8600% | 1,731 |
| Equity capital to assets | 11.7926% | 1,204 |
| Core capital (leverage) ratio | 12.7543% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $189,899,400 | 3,055 |
| Average earning assets | $173,839,800 | 3,061 |
| Average equity | $21,361,800 | 2,747 |
| Average total loans | $110,446,800 | 3,056 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9871% | 112 |
| Cost of funding earning assets | 0.6932% | 3,778 |
| Net interest margin | 7.2939% | 49 |
| Noninterest income to average assets | 1.6000% | 364 |
| Noninterest expense to average assets | 4.6345% | 261 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.6587% | 231 |
| Return on assets (ROA) | 2.6587% | 229 |
| Pretax return on assets | 3.5891% | 151 |
| Return on Equity (ROE) | 23.9200% | 441 |
| Retained earnings to average equity (ytd only) | 23.9218% | 149 |
| Net charge-offs to loans | 0.3768% | 228 |
| Credit loss provision to net charge-offs | 22.0065% | 2,005 |
| Earnings coverage of net charge-offs (x) | 16.7864% | 1,921 |
| Efficiency ratio | 56.0312% | 3,399 |
| Assets per employee ($millions) | 2.0710% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 302 |
| Loan loss allowance to noncurrent loans | 227.2146% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 814 |
| Noncurrent loans to loans | 0.9626% | 855 |
| Net loans and leases to total assets | 59.0400% | 2,934 |
| Net loans and leases to deposits | 68.2384% | 2,964 |
| Net loans and leases to core deposits | 70.0770% | 3,206 |
| Total domestic deposits to total assets | 86.5200% | 2,034 |
| Equity capital to assets | 12.1684% | 994 |
| Core capital (leverage) ratio | 13.6795% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,164,500 | 3,062 |
| Average earning assets | $173,875,250 | 3,069 |
| Average equity | $21,135,000 | 2,749 |
| Average total loans | $109,338,000 | 3,070 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8461% | 108 |
| Cost of funding earning assets | 0.5938% | 3,767 |
| Net interest margin | 7.2522% | 43 |
| Noninterest income to average assets | 1.6600% | 294 |
| Noninterest expense to average assets | 4.6096% | 255 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.6844% | 202 |
| Return on assets (ROA) | 2.6844% | 198 |
| Pretax return on assets | 3.6365% | 130 |
| Return on Equity (ROE) | 24.9300% | 387 |
| Retained earnings to average equity (ytd only) | 24.9322% | 125 |
| Net charge-offs to loans | 0.3393% | 246 |
| Credit loss provision to net charge-offs | 24.5902% | 1,755 |
| Earnings coverage of net charge-offs (x) | 19.1967% | 1,749 |
| Efficiency ratio | 55.5822% | 3,472 |
| Assets per employee ($millions) | 2.1286% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3165% | 261 |
| Loan loss allowance to noncurrent loans | 229.6986% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 737 |
| Noncurrent loans to loans | 1.0085% | 750 |
| Net loans and leases to total assets | 57.6700% | 2,990 |
| Net loans and leases to deposits | 65.9649% | 3,057 |
| Net loans and leases to core deposits | 67.1640% | 3,279 |
| Total domestic deposits to total assets | 87.4300% | 1,792 |
| Equity capital to assets | 11.4719% | 1,207 |
| Core capital (leverage) ratio | 12.8297% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $190,731,667 | 3,062 |
| Average earning assets | $174,456,333 | 3,072 |
| Average equity | $20,535,667 | 2,815 |
| Average total loans | $107,867,333 | 3,079 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7119% | 71 |
| Cost of funding earning assets | 0.4951% | 3,704 |
| Net interest margin | 7.2168% | 38 |
| Noninterest income to average assets | 1.7500% | 276 |
| Noninterest expense to average assets | 4.4416% | 282 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.8551% | 171 |
| Return on assets (ROA) | 2.8551% | 169 |
| Pretax return on assets | 3.8751% | 113 |
| Return on Equity (ROE) | 27.4100% | 315 |
| Retained earnings to average equity (ytd only) | 27.4063% | 141 |
| Net charge-offs to loans | 0.3060% | 260 |
| Credit loss provision to net charge-offs | 28.3951% | 1,359 |
| Earnings coverage of net charge-offs (x) | 23.1728% | 1,409 |
| Efficiency ratio | 53.0985% | 3,698 |
| Assets per employee ($millions) | 2.1670% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5167% | 217 |
| Loan loss allowance to noncurrent loans | 272.5510% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 797 |
| Noncurrent loans to loans | 0.9234% | 815 |
| Net loans and leases to total assets | 53.0500% | 3,273 |
| Net loans and leases to deposits | 60.2392% | 3,317 |
| Net loans and leases to core deposits | 61.2887% | 3,485 |
| Total domestic deposits to total assets | 88.0700% | 1,906 |
| Equity capital to assets | 10.6851% | 1,464 |
| Core capital (leverage) ratio | 12.4643% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $191,374,500 | 3,092 |
| Average earning assets | $175,312,500 | 3,101 |
| Average equity | $19,937,000 | 2,899 |
| Average total loans | $105,877,000 | 3,137 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7780% | 53 |
| Cost of funding earning assets | 0.2333% | 3,478 |
| Net interest margin | 6.5447% | 40 |
| Noninterest income to average assets | 1.9700% | 248 |
| Noninterest expense to average assets | 4.5664% | 254 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | 2.2737% | 191 |
| Return on assets (ROA) | 2.2737% | 183 |
| Pretax return on assets | 2.9973% | 129 |
| Return on Equity (ROE) | 22.2500% | 325 |
| Retained earnings to average equity (ytd only) | 11.9207% | 682 |
| Net charge-offs to loans | 0.2457% | 326 |
| Credit loss provision to net charge-offs | 340.6926% | 848 |
| Earnings coverage of net charge-offs (x) | 27.9913% | 1,717 |
| Efficiency ratio | 57.2298% | 3,437 |
| Assets per employee ($millions) | 2.1332% | 4,602 |
| Cash dividends to net income (ytd only)* | 46.4253% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5838% | 197 |
| Loan loss allowance to noncurrent loans | 311.1745% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 830 |
| Noncurrent loans to loans | 0.8303% | 897 |
| Net loans and leases to total assets | 54.8100% | 3,134 |
| Net loans and leases to deposits | 61.7740% | 3,216 |
| Net loans and leases to core deposits | 62.5191% | 3,359 |
| Total domestic deposits to total assets | 88.7300% | 1,803 |
| Equity capital to assets | 10.1400% | 1,638 |
| Core capital (leverage) ratio | 11.7981% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $189,471,400 | 3,106 |
| Average earning assets | $174,004,400 | 3,111 |
| Average equity | $19,361,200 | 3,005 |
| Average total loans | $94,002,400 | 3,233 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5884% | 49 |
| Cost of funding earning assets | 0.2024% | 3,240 |
| Net interest margin | 6.3859% | 39 |
| Noninterest income to average assets | 2.0800% | 260 |
| Noninterest expense to average assets | 4.2279% | 284 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 2.5878% | 142 |
| Return on assets (ROA) | 2.5878% | 140 |
| Pretax return on assets | 3.4816% | 108 |
| Return on Equity (ROE) | 25.2800% | 179 |
| Retained earnings to average equity (ytd only) | 25.2770% | 46 |
| Net charge-offs to loans | 0.2576% | 259 |
| Credit loss provision to net charge-offs | 194.8864% | 991 |
| Earnings coverage of net charge-offs (x) | 30.1250% | 1,517 |
| Efficiency ratio | 53.1791% | 3,896 |
| Assets per employee ($millions) | 2.0839% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3613% | 264 |
| Loan loss allowance to noncurrent loans | 246.5753% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 862 |
| Noncurrent loans to loans | 0.9576% | 817 |
| Net loans and leases to total assets | 52.1700% | 3,261 |
| Net loans and leases to deposits | 59.1327% | 3,271 |
| Net loans and leases to core deposits | 59.7572% | 3,401 |
| Total domestic deposits to total assets | 88.2200% | 2,358 |
| Equity capital to assets | 10.8148% | 1,245 |
| Core capital (leverage) ratio | 12.4343% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $189,909,000 | 3,125 |
| Average earning assets | $174,525,250 | 3,135 |
| Average equity | $19,442,750 | 3,043 |
| Average total loans | $91,097,750 | 3,280 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3683% | 51 |
| Cost of funding earning assets | 0.2010% | 2,900 |
| Net interest margin | 6.1673% | 45 |
| Noninterest income to average assets | 2.1684% | 207 |
| Noninterest expense to average assets | 4.1883% | 253 |
| Loan and lease loss provision to assets | 0.2403% | 308 |
| Net operating income to assets | 2.5665% | 105 |
| Return on assets (ROA) | 2.5665% | 100 |
| Pretax return on assets | 3.4140% | 73 |
| Return on Equity (ROE) | 25.5332% | 100 |
| Retained earnings to average equity (ytd only) | 25.5332% | 31 |
| Net charge-offs to loans | 0.2081% | 312 |
| Credit loss provision to net charge-offs | 250.0000% | 868 |
| Earnings coverage of net charge-offs (x) | 38.0109% | 1,282 |
| Efficiency ratio | 53.4044% | 4,013 |
| Assets per employee ($millions) | 2.1635% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 292 |
| Loan loss allowance to noncurrent loans | 229.0387% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 882 |
| Noncurrent loans to loans | 1.0446% | 797 |
| Net loans and leases to total assets | 48.9660% | 3,468 |
| Net loans and leases to deposits | 55.0807% | 3,460 |
| Net loans and leases to core deposits | 55.6346% | 3,595 |
| Total domestic deposits to total assets | 88.8986% | 2,230 |
| Equity capital to assets | 10.1863% | 1,595 |
| Core capital (leverage) ratio | 11.4972% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,389,333 | 3,150 |
| Average earning assets | $176,089,667 | 3,160 |
| Average equity | $19,237,667 | 3,130 |
| Average total loans | $88,431,333 | 3,349 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2300% | 58 |
| Cost of funding earning assets | 0.2071% | 2,697 |
| Net interest margin | 6.0229% | 49 |
| Noninterest income to average assets | 2.1026% | 223 |
| Noninterest expense to average assets | 4.2032% | 241 |
| Loan and lease loss provision to assets | 0.0482% | 1,504 |
| Net operating income to assets | 2.7022% | 101 |
| Return on assets (ROA) | 2.7022% | 98 |
| Pretax return on assets | 3.3982% | 82 |
| Return on Equity (ROE) | 27.0663% | 76 |
| Retained earnings to average equity (ytd only) | 27.0663% | 46 |
| Net charge-offs to loans | 0.1280% | 440 |
| Credit loss provision to net charge-offs | 85.1852% | 1,098 |
| Earnings coverage of net charge-offs (x) | 60.8889% | 850 |
| Efficiency ratio | 54.9466% | 3,984 |
| Assets per employee ($millions) | 2.2126% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4833% | 289 |
| Loan loss allowance to noncurrent loans | 192.8000% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 836 |
| Noncurrent loans to loans | 1.2880% | 679 |
| Net loans and leases to total assets | 43.7448% | 3,753 |
| Net loans and leases to deposits | 49.0770% | 3,812 |
| Net loans and leases to core deposits | 49.7925% | 3,886 |
| Total domestic deposits to total assets | 89.1352% | 2,010 |
| Equity capital to assets | 9.8110% | 2,042 |
| Core capital (leverage) ratio | 10.7946% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,808,000 | 3,168 |
| Average earning assets | $175,730,500 | 3,177 |
| Average equity | $19,049,500 | 3,232 |
| Average total loans | $84,349,000 | 3,400 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4216% | 57 |
| Cost of funding earning assets | 0.2762% | 2,637 |
| Net interest margin | 6.1453% | 48 |
| Noninterest income to average assets | 2.1312% | 281 |
| Noninterest expense to average assets | 4.3072% | 236 |
| Loan and lease loss provision to assets | 0.2447% | 389 |
| Net operating income to assets | 2.3130% | 204 |
| Return on assets (ROA) | 2.3130% | 212 |
| Pretax return on assets | 3.2091% | 119 |
| Return on Equity (ROE) | 21.2630% | 250 |
| Retained earnings to average equity (ytd only) | 8.3669% | 1,399 |
| Net charge-offs to loans | 0.3212% | 263 |
| Credit loss provision to net charge-offs | 169.6498% | 1,410 |
| Earnings coverage of net charge-offs (x) | 23.9494% | 1,763 |
| Efficiency ratio | 55.4985% | 3,757 |
| Assets per employee ($millions) | 2.3363% | 4,751 |
| Cash dividends to net income (ytd only)* | 60.6502% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 221 |
| Loan loss allowance to noncurrent loans | 149.8621% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 623 |
| Noncurrent loans to loans | 1.7824% | 477 |
| Net loans and leases to total assets | 42.3638% | 3,959 |
| Net loans and leases to deposits | 47.7224% | 4,013 |
| Net loans and leases to core deposits | 48.5240% | 4,074 |
| Total domestic deposits to total assets | 88.7713% | 1,628 |
| Equity capital to assets | 10.1635% | 2,507 |
| Core capital (leverage) ratio | 10.6869% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,213,000 | 3,223 |
| Average earning assets | $163,262,600 | 3,241 |
| Average equity | $19,385,800 | 3,265 |
| Average total loans | $80,011,600 | 3,483 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4625% | 59 |
| Cost of funding earning assets | 0.2906% | 2,682 |
| Net interest margin | 6.1720% | 47 |
| Noninterest income to average assets | 2.2032% | 294 |
| Noninterest expense to average assets | 3.9664% | 288 |
| Loan and lease loss provision to assets | 0.1318% | 872 |
| Net operating income to assets | 2.7516% | 162 |
| Return on assets (ROA) | 2.7516% | 164 |
| Pretax return on assets | 3.7521% | 100 |
| Return on Equity (ROE) | 24.8618% | 183 |
| Retained earnings to average equity (ytd only) | 24.8618% | 55 |
| Net charge-offs to loans | 0.3414% | 227 |
| Credit loss provision to net charge-offs | 85.2941% | 1,693 |
| Earnings coverage of net charge-offs (x) | 25.1373% | 1,625 |
| Efficiency ratio | 50.5258% | 4,174 |
| Assets per employee ($millions) | 2.1645% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4396% | 315 |
| Loan loss allowance to noncurrent loans | 142.9403% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9080% | 760 |
| Noncurrent loans to loans | 1.7067% | 590 |
| Net loans and leases to total assets | 43.1974% | 4,006 |
| Net loans and leases to deposits | 49.4837% | 4,029 |
| Net loans and leases to core deposits | 50.3510% | 4,118 |
| Total domestic deposits to total assets | 87.2962% | 2,216 |
| Equity capital to assets | 11.6957% | 1,543 |
| Core capital (leverage) ratio | 12.1343% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,040,000 | 3,277 |
| Average earning assets | $161,068,250 | 3,296 |
| Average equity | $19,483,250 | 3,297 |
| Average total loans | $79,676,250 | 3,532 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5744% | 60 |
| Cost of funding earning assets | 0.3080% | 2,700 |
| Net interest margin | 6.2664% | 54 |
| Noninterest income to average assets | 2.1090% | 307 |
| Noninterest expense to average assets | 3.8929% | 315 |
| Loan and lease loss provision to assets | 0.1689% | 687 |
| Net operating income to assets | 2.7247% | 167 |
| Return on assets (ROA) | 2.7247% | 170 |
| Pretax return on assets | 3.7722% | 105 |
| Return on Equity (ROE) | 25.1147% | 187 |
| Retained earnings to average equity (ytd only) | 25.1147% | 70 |
| Net charge-offs to loans | 0.4584% | 185 |
| Credit loss provision to net charge-offs | 80.7692% | 1,485 |
| Earnings coverage of net charge-offs (x) | 18.8516% | 1,557 |
| Efficiency ratio | 49.6921% | 4,256 |
| Assets per employee ($millions) | 2.0584% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4052% | 311 |
| Loan loss allowance to noncurrent loans | 120.1840% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 699 |
| Noncurrent loans to loans | 2.0013% | 490 |
| Net loans and leases to total assets | 44.3866% | 4,018 |
| Net loans and leases to deposits | 50.3998% | 4,084 |
| Net loans and leases to core deposits | 51.2912% | 4,170 |
| Total domestic deposits to total assets | 88.0691% | 1,784 |
| Equity capital to assets | 11.1687% | 1,859 |
| Core capital (leverage) ratio | 11.4792% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,113,667 | 3,298 |
| Average earning assets | $159,071,333 | 3,317 |
| Average equity | $18,889,333 | 3,345 |
| Average total loans | $79,400,000 | 3,559 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6241% | 60 |
| Cost of funding earning assets | 0.3321% | 2,689 |
| Net interest margin | 6.2920% | 52 |
| Noninterest income to average assets | 1.6547% | 512 |
| Noninterest expense to average assets | 3.2931% | 613 |
| Loan and lease loss provision to assets | 0.0443% | 2,185 |
| Net operating income to assets | 2.9971% | 155 |
| Return on assets (ROA) | 2.9971% | 172 |
| Pretax return on assets | 4.0576% | 101 |
| Return on Equity (ROE) | 28.0579% | 183 |
| Retained earnings to average equity (ytd only) | 28.0579% | 96 |
| Net charge-offs to loans | 0.2909% | 288 |
| Credit loss provision to net charge-offs | 33.3333% | 1,372 |
| Earnings coverage of net charge-offs (x) | 30.8772% | 1,085 |
| Efficiency ratio | 44.5320% | 4,548 |
| Assets per employee ($millions) | 2.0275% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4657% | 274 |
| Loan loss allowance to noncurrent loans | 99.6942% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 566 |
| Noncurrent loans to loans | 2.4733% | 376 |
| Net loans and leases to total assets | 43.8634% | 4,123 |
| Net loans and leases to deposits | 49.7387% | 4,175 |
| Net loans and leases to core deposits | 50.6593% | 4,263 |
| Total domestic deposits to total assets | 88.1877% | 1,744 |
| Equity capital to assets | 10.7448% | 2,043 |
| Core capital (leverage) ratio | 11.5092% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,630,000 | 3,316 |
| Average earning assets | $156,579,000 | 3,344 |
| Average equity | $18,333,500 | 3,392 |
| Average total loans | $78,376,500 | 3,593 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6437% | 52 |
| Cost of funding earning assets | 0.5068% | 2,913 |
| Net interest margin | 6.1369% | 41 |
| Noninterest income to average assets | 2.2625% | 283 |
| Noninterest expense to average assets | 5.1367% | 179 |
| Loan and lease loss provision to assets | 0.2785% | 1,372 |
| Net operating income to assets | 1.7678% | 416 |
| Return on assets (ROA) | 1.7678% | 446 |
| Pretax return on assets | 2.4405% | 205 |
| Return on Equity (ROE) | 14.0085% | 810 |
| Retained earnings to average equity (ytd only) | -1.9042% | 4,699 |
| Net charge-offs to loans | 0.2251% | 773 |
| Credit loss provision to net charge-offs | 244.7059% | 1,960 |
| Earnings coverage of net charge-offs (x) | 23.8941% | 1,791 |
| Efficiency ratio | 65.3885% | 2,621 |
| Assets per employee ($millions) | 1.9403% | 4,928 |
| Cash dividends to net income (ytd only)* | 113.5933% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5754% | 236 |
| Loan loss allowance to noncurrent loans | 80.5006% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 2.2851% | 222 |
| Noncurrent loans to loans | 3.1992% | 250 |
| Net loans and leases to total assets | 45.2043% | 4,180 |
| Net loans and leases to deposits | 51.0874% | 4,264 |
| Net loans and leases to core deposits | 52.0824% | 4,335 |
| Total domestic deposits to total assets | 88.4842% | 1,240 |
| Equity capital to assets | 10.6156% | 2,578 |
| Core capital (leverage) ratio | 11.1211% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,394,400 | 3,411 |
| Average earning assets | $136,159,600 | 3,428 |
| Average equity | $18,852,800 | 3,294 |
| Average total loans | $75,536,400 | 3,637 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8366% | 52 |
| Cost of funding earning assets | 0.5507% | 2,919 |
| Net interest margin | 6.2860% | 36 |
| Noninterest income to average assets | 2.3057% | 271 |
| Noninterest expense to average assets | 5.0656% | 182 |
| Loan and lease loss provision to assets | 0.2282% | 1,777 |
| Net operating income to assets | 1.9895% | 303 |
| Return on assets (ROA) | 1.9895% | 328 |
| Pretax return on assets | 2.7314% | 149 |
| Return on Equity (ROE) | 15.0765% | 679 |
| Retained earnings to average equity (ytd only) | 15.0765% | 197 |
| Net charge-offs to loans | 0.1829% | 818 |
| Credit loss provision to net charge-offs | 240.7767% | 1,959 |
| Earnings coverage of net charge-offs (x) | 31.2524% | 1,547 |
| Efficiency ratio | 63.1229% | 2,894 |
| Assets per employee ($millions) | 1.7833% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4508% | 246 |
| Loan loss allowance to noncurrent loans | 74.2353% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 2.6001% | 196 |
| Noncurrent loans to loans | 3.3014% | 264 |
| Net loans and leases to total assets | 48.5636% | 4,185 |
| Net loans and leases to deposits | 56.5440% | 4,235 |
| Net loans and leases to core deposits | 57.6533% | 4,316 |
| Total domestic deposits to total assets | 85.8865% | 2,120 |
| Equity capital to assets | 13.0397% | 1,167 |
| Core capital (leverage) ratio | 13.2969% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,026,250 | 3,448 |
| Average earning assets | $131,952,250 | 3,472 |
| Average equity | $19,137,500 | 3,263 |
| Average total loans | $75,064,250 | 3,659 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0621% | 60 |
| Cost of funding earning assets | 0.5914% | 3,010 |
| Net interest margin | 6.4708% | 46 |
| Noninterest income to average assets | 2.2351% | 261 |
| Noninterest expense to average assets | 5.2043% | 173 |
| Loan and lease loss provision to assets | 0.3036% | 1,417 |
| Net operating income to assets | 1.8920% | 407 |
| Return on assets (ROA) | 1.8920% | 451 |
| Pretax return on assets | 2.6134% | 176 |
| Return on Equity (ROE) | 14.2758% | 834 |
| Retained earnings to average equity (ytd only) | 14.2758% | 261 |
| Net charge-offs to loans | 0.1803% | 836 |
| Credit loss provision to net charge-offs | 320.8955% | 1,565 |
| Earnings coverage of net charge-offs (x) | 30.8358% | 1,412 |
| Efficiency ratio | 64.0821% | 2,812 |
| Assets per employee ($millions) | 1.7295% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4834% | 229 |
| Loan loss allowance to noncurrent loans | 68.8703% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 2.7851% | 187 |
| Noncurrent loans to loans | 3.6059% | 214 |
| Net loans and leases to total assets | 48.3678% | 4,241 |
| Net loans and leases to deposits | 55.9445% | 4,294 |
| Net loans and leases to core deposits | 57.4812% | 4,378 |
| Total domestic deposits to total assets | 86.4567% | 1,818 |
| Equity capital to assets | 12.6519% | 1,311 |
| Core capital (leverage) ratio | 13.1892% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,652,000 | 3,461 |
| Average earning assets | $128,856,333 | 3,486 |
| Average equity | $18,773,000 | 3,290 |
| Average total loans | $74,339,333 | 3,675 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1538% | 59 |
| Cost of funding earning assets | 0.6197% | 3,334 |
| Net interest margin | 6.5341% | 44 |
| Noninterest income to average assets | 2.2138% | 237 |
| Noninterest expense to average assets | 4.9678% | 230 |
| Loan and lease loss provision to assets | 0.3896% | 784 |
| Net operating income to assets | 2.0013% | 265 |
| Return on assets (ROA) | 2.0013% | 293 |
| Pretax return on assets | 2.8012% | 111 |
| Return on Equity (ROE) | 14.7215% | 586 |
| Retained earnings to average equity (ytd only) | 14.7215% | 208 |
| Net charge-offs to loans | 0.1745% | 765 |
| Credit loss provision to net charge-offs | 412.5000% | 981 |
| Earnings coverage of net charge-offs (x) | 33.7813% | 1,109 |
| Efficiency ratio | 60.8900% | 3,632 |
| Assets per employee ($millions) | 1.5426% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4761% | 254 |
| Loan loss allowance to noncurrent loans | 49.7979% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 3.0670% | 188 |
| Noncurrent loans to loans | 4.9722% | 123 |
| Net loans and leases to total assets | 52.4277% | 4,093 |
| Net loans and leases to deposits | 61.3057% | 4,141 |
| Net loans and leases to core deposits | 62.7593% | 4,248 |
| Total domestic deposits to total assets | 85.5186% | 2,205 |
| Equity capital to assets | 13.4903% | 1,222 |
| Core capital (leverage) ratio | 13.7959% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,513,500 | 3,508 |
| Average earning assets | $123,291,500 | 3,531 |
| Average equity | $18,422,000 | 3,329 |
| Average total loans | $73,335,000 | 3,694 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4030% | 58 |
| Cost of funding earning assets | 0.5485% | 3,884 |
| Net interest margin | 6.8545% | 42 |
| Noninterest income to average assets | 1.9802% | 266 |
| Noninterest expense to average assets | 5.3440% | 174 |
| Loan and lease loss provision to assets | 0.1235% | 1,715 |
| Net operating income to assets | 2.0721% | 293 |
| Return on assets (ROA) | 2.0715% | 303 |
| Pretax return on assets | 2.7710% | 134 |
| Return on Equity (ROE) | 14.6262% | 767 |
| Retained earnings to average equity (ytd only) | 3.2545% | 3,388 |
| Net charge-offs to loans | 0.2522% | 821 |
| Credit loss provision to net charge-offs | 87.0270% | 2,692 |
| Earnings coverage of net charge-offs (x) | 20.4054% | 1,935 |
| Efficiency ratio | 64.8608% | 2,959 |
| Assets per employee ($millions) | 1.4063% | 5,118 |
| Cash dividends to net income (ytd only)* | 77.7490% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4266% | 240 |
| Loan loss allowance to noncurrent loans | 46.6009% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 4.0410% | 94 |
| Noncurrent loans to loans | 5.2072% | 95 |
| Net loans and leases to total assets | 53.1696% | 4,137 |
| Net loans and leases to deposits | 62.2609% | 4,180 |
| Net loans and leases to core deposits | 63.2373% | 4,315 |
| Total domestic deposits to total assets | 85.3980% | 2,349 |
| Equity capital to assets | 13.7033% | 1,208 |
| Core capital (leverage) ratio | 13.7621% | 988 |
| Tier 1 risk-based capital ratio | 23.9389% | 832 |
| Total risk-based capital ratio | 25.2011% | 812 |
| Memoranda: | ||
| Average total assets | $130,388,200 | 3,562 |
| Average earning assets | $119,060,200 | 3,570 |
| Average equity | $18,466,800 | 3,284 |
| Average total loans | $73,354,400 | 3,712 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3868% | 58 |
| Cost of funding earning assets | 0.5293% | 4,031 |
| Net interest margin | 6.8575% | 40 |
| Noninterest income to average assets | 2.0143% | 264 |
| Noninterest expense to average assets | 5.2147% | 184 |
| Loan and lease loss provision to assets | 0.0595% | 2,703 |
| Net operating income to assets | 2.2347% | 258 |
| Return on assets (ROA) | 2.2338% | 268 |
| Pretax return on assets | 3.0004% | 117 |
| Return on Equity (ROE) | 15.6434% | 665 |
| Retained earnings to average equity (ytd only) | 15.6434% | 120 |
| Net charge-offs to loans | 0.2208% | 800 |
| Credit loss provision to net charge-offs | 47.5410% | 2,811 |
| Earnings coverage of net charge-offs (x) | 24.4512% | 1,797 |
| Efficiency ratio | 63.0130% | 3,159 |
| Assets per employee ($millions) | 1.4556% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4230% | 245 |
| Loan loss allowance to noncurrent loans | 52.6673% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 3.6890% | 122 |
| Noncurrent loans to loans | 4.6007% | 122 |
| Net loans and leases to total assets | 53.0942% | 4,248 |
| Net loans and leases to deposits | 63.3538% | 4,218 |
| Net loans and leases to core deposits | 64.4418% | 4,348 |
| Total domestic deposits to total assets | 83.8059% | 2,892 |
| Equity capital to assets | 15.1983% | 796 |
| Core capital (leverage) ratio | 15.2585% | 679 |
| Tier 1 risk-based capital ratio | 26.9777% | 644 |
| Total risk-based capital ratio | 28.2409% | 629 |
| Memoranda: | ||
| Average total assets | $129,936,750 | 3,601 |
| Average earning assets | $118,640,500 | 3,614 |
| Average equity | $18,554,750 | 3,294 |
| Average total loans | $73,684,250 | 3,746 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3089% | 59 |
| Cost of funding earning assets | 0.5052% | 4,099 |
| Net interest margin | 6.8037% | 42 |
| Noninterest income to average assets | 2.1005% | 247 |
| Noninterest expense to average assets | 5.2373% | 185 |
| Loan and lease loss provision to assets | 0.0554% | 2,720 |
| Net operating income to assets | 2.2447% | 241 |
| Return on assets (ROA) | 2.2435% | 253 |
| Pretax return on assets | 3.0185% | 122 |
| Return on Equity (ROE) | 16.0535% | 580 |
| Retained earnings to average equity (ytd only) | 16.0535% | 130 |
| Net charge-offs to loans | 0.2622% | 634 |
| Credit loss provision to net charge-offs | 36.7347% | 2,560 |
| Earnings coverage of net charge-offs (x) | 20.4082% | 1,777 |
| Efficiency ratio | 63.0041% | 3,286 |
| Assets per employee ($millions) | 1.4101% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3151% | 287 |
| Loan loss allowance to noncurrent loans | 49.8979% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 3.9934% | 113 |
| Noncurrent loans to loans | 4.6397% | 125 |
| Net loans and leases to total assets | 55.0190% | 4,139 |
| Net loans and leases to deposits | 64.8479% | 4,175 |
| Net loans and leases to core deposits | 65.7634% | 4,329 |
| Total domestic deposits to total assets | 84.8431% | 2,548 |
| Equity capital to assets | 14.4629% | 958 |
| Core capital (leverage) ratio | 14.6644% | 783 |
| Tier 1 risk-based capital ratio | 24.6768% | 784 |
| Total risk-based capital ratio | 25.9385% | 765 |
| Memoranda: | ||
| Average total assets | $130,066,670 | 3,618 |
| Average earning assets | $118,759,330 | 3,637 |
| Average equity | $18,176,670 | 3,330 |
| Average total loans | $74,749,000 | 3,749 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1721% | 65 |
| Cost of funding earning assets | 0.4802% | 4,153 |
| Net interest margin | 6.6919% | 46 |
| Noninterest income to average assets | 2.0659% | 238 |
| Noninterest expense to average assets | 5.1510% | 186 |
| Loan and lease loss provision to assets | 0.0556% | 2,556 |
| Net operating income to assets | 2.1864% | 280 |
| Return on assets (ROA) | 2.1864% | 290 |
| Pretax return on assets | 2.9708% | 131 |
| Return on Equity (ROE) | 15.9267% | 598 |
| Retained earnings to average equity (ytd only) | 15.9267% | 227 |
| Net charge-offs to loans | 0.2607% | 561 |
| Credit loss provision to net charge-offs | 36.7347% | 2,053 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,574 |
| Efficiency ratio | 62.9909% | 3,383 |
| Assets per employee ($millions) | 1.4636% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3109% | 300 |
| Loan loss allowance to noncurrent loans | 50.7580% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 3.7571% | 130 |
| Noncurrent loans to loans | 4.5527% | 146 |
| Net loans and leases to total assets | 56.5016% | 4,030 |
| Net loans and leases to deposits | 66.3532% | 4,029 |
| Net loans and leases to core deposits | 67.0893% | 4,226 |
| Total domestic deposits to total assets | 85.1528% | 2,619 |
| Equity capital to assets | 13.9490% | 1,055 |
| Core capital (leverage) ratio | 14.0956% | 924 |
| Tier 1 risk-based capital ratio | 23.3259% | 903 |
| Total risk-based capital ratio | 24.5870% | 881 |
| Memoranda: | ||
| Average total assets | $129,529,000 | 3,665 |
| Average earning assets | $118,292,000 | 3,683 |
| Average equity | $17,781,500 | 3,371 |
| Average total loans | $75,192,000 | 3,780 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8218% | 68 |
| Cost of funding earning assets | 0.3383% | 4,357 |
| Net interest margin | 6.4835% | 50 |
| Noninterest income to average assets | 2.2474% | 228 |
| Noninterest expense to average assets | 5.1801% | 182 |
| Loan and lease loss provision to assets | 0.1706% | 1,171 |
| Net operating income to assets | 2.2019% | 249 |
| Return on assets (ROA) | 2.2013% | 240 |
| Pretax return on assets | 2.8014% | 131 |
| Return on Equity (ROE) | 16.1123% | 608 |
| Retained earnings to average equity (ytd only) | 4.8646% | 2,853 |
| Net charge-offs to loans | 0.2467% | 783 |
| Credit loss provision to net charge-offs | 126.1364% | 2,085 |
| Earnings coverage of net charge-offs (x) | 21.9830% | 1,922 |
| Efficiency ratio | 63.5378% | 3,256 |
| Assets per employee ($millions) | 1.4311% | 5,346 |
| Cash dividends to net income (ytd only)* | 69.8080% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3613% | 264 |
| Loan loss allowance to noncurrent loans | 43.3464% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 4.2276% | 98 |
| Noncurrent loans to loans | 5.4475% | 95 |
| Net loans and leases to total assets | 56.8891% | 4,059 |
| Net loans and leases to deposits | 66.5946% | 4,072 |
| Net loans and leases to core deposits | 67.3357% | 4,278 |
| Total domestic deposits to total assets | 85.4260% | 2,463 |
| Equity capital to assets | 13.5041% | 1,143 |
| Core capital (leverage) ratio | 13.6625% | 1,023 |
| Tier 1 risk-based capital ratio | 22.5210% | 966 |
| Total risk-based capital ratio | 23.7827% | 943 |
| Memoranda: | ||
| Average total assets | $130,151,400 | 3,647 |
| Average earning assets | $118,546,200 | 3,671 |
| Average equity | $17,781,400 | 3,320 |
| Average total loans | $71,335,600 | 3,842 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7589% | 69 |
| Cost of funding earning assets | 0.3099% | 4,453 |
| Net interest margin | 6.4490% | 52 |
| Noninterest income to average assets | 2.3163% | 225 |
| Noninterest expense to average assets | 4.7441% | 241 |
| Loan and lease loss provision to assets | 0.1574% | 1,239 |
| Net operating income to assets | 2.5665% | 144 |
| Return on assets (ROA) | 2.5657% | 143 |
| Pretax return on assets | 3.2819% | 87 |
| Return on Equity (ROE) | 18.7260% | 363 |
| Retained earnings to average equity (ytd only) | 18.7260% | 75 |
| Net charge-offs to loans | 0.2613% | 638 |
| Credit loss provision to net charge-offs | 111.5942% | 2,090 |
| Earnings coverage of net charge-offs (x) | 24.3979% | 1,818 |
| Efficiency ratio | 57.9650% | 4,128 |
| Assets per employee ($millions) | 1.5138% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3268% | 295 |
| Loan loss allowance to noncurrent loans | 41.3286% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 4.2239% | 112 |
| Noncurrent loans to loans | 5.6299% | 98 |
| Net loans and leases to total assets | 56.8304% | 4,149 |
| Net loans and leases to deposits | 67.7557% | 4,076 |
| Net loans and leases to core deposits | 68.6971% | 4,267 |
| Total domestic deposits to total assets | 83.8755% | 2,987 |
| Equity capital to assets | 14.7598% | 771 |
| Core capital (leverage) ratio | 15.0522% | 690 |
| Tier 1 risk-based capital ratio | 24.9436% | 760 |
| Total risk-based capital ratio | 26.2052% | 738 |
| Memoranda: | ||
| Average total assets | $130,489,750 | 3,674 |
| Average earning assets | $118,733,750 | 3,707 |
| Average equity | $17,878,500 | 3,332 |
| Average total loans | $70,408,500 | 3,900 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6891% | 71 |
| Cost of funding earning assets | 0.2902% | 4,494 |
| Net interest margin | 6.3989% | 51 |
| Noninterest income to average assets | 2.5676% | 203 |
| Noninterest expense to average assets | 4.5753% | 278 |
| Loan and lease loss provision to assets | 0.1312% | 1,513 |
| Net operating income to assets | 2.9353% | 90 |
| Return on assets (ROA) | 2.9353% | 88 |
| Pretax return on assets | 3.6813% | 67 |
| Return on Equity (ROE) | 21.9794% | 166 |
| Retained earnings to average equity (ytd only) | 21.9794% | 48 |
| Net charge-offs to loans | 0.3511% | 450 |
| Credit loss provision to net charge-offs | 71.0744% | 2,342 |
| Earnings coverage of net charge-offs (x) | 20.6529% | 1,799 |
| Efficiency ratio | 54.5471% | 4,631 |
| Assets per employee ($millions) | 1.5906% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3903% | 279 |
| Loan loss allowance to noncurrent loans | 96.3533% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 412 |
| Noncurrent loans to loans | 2.4807% | 524 |
| Net loans and leases to total assets | 52.9437% | 4,415 |
| Net loans and leases to deposits | 62.2299% | 4,408 |
| Net loans and leases to core deposits | 63.0688% | 4,547 |
| Total domestic deposits to total assets | 85.0777% | 2,640 |
| Equity capital to assets | 14.1357% | 898 |
| Core capital (leverage) ratio | 14.2304% | 841 |
| Tier 1 risk-based capital ratio | 24.6283% | 774 |
| Total risk-based capital ratio | 25.8894% | 748 |
| Memoranda: | ||
| Average total assets | $131,095,000 | 3,690 |
| Average earning assets | $119,238,330 | 3,723 |
| Average equity | $17,507,330 | 3,394 |
| Average total loans | $68,922,000 | 3,954 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5986% | 74 |
| Cost of funding earning assets | 0.2782% | 4,523 |
| Net interest margin | 6.3205% | 52 |
| Noninterest income to average assets | 2.4439% | 204 |
| Noninterest expense to average assets | 4.2091% | 403 |
| Loan and lease loss provision to assets | 0.0548% | 2,670 |
| Net operating income to assets | 3.3813% | 66 |
| Return on assets (ROA) | 3.3813% | 66 |
| Pretax return on assets | 3.9200% | 64 |
| Return on Equity (ROE) | 26.0760% | 76 |
| Retained earnings to average equity (ytd only) | 26.0760% | 40 |
| Net charge-offs to loans | 0.3470% | 445 |
| Credit loss provision to net charge-offs | 30.5085% | 2,063 |
| Earnings coverage of net charge-offs (x) | 22.1356% | 1,413 |
| Efficiency ratio | 51.4318% | 5,001 |
| Assets per employee ($millions) | 1.5945% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4606% | 263 |
| Loan loss allowance to noncurrent loans | 122.3675% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 2.1096% | 517 |
| Noncurrent loans to loans | 2.0109% | 787 |
| Net loans and leases to total assets | 50.4681% | 4,527 |
| Net loans and leases to deposits | 58.8288% | 4,549 |
| Net loans and leases to core deposits | 59.6015% | 4,675 |
| Total domestic deposits to total assets | 85.7881% | 2,639 |
| Equity capital to assets | 13.2840% | 1,123 |
| Core capital (leverage) ratio | 13.5873% | 983 |
| Tier 1 risk-based capital ratio | 23.9817% | 844 |
| Total risk-based capital ratio | 25.2444% | 819 |
| Memoranda: | ||
| Average total assets | $131,428,000 | 3,726 |
| Average earning assets | $119,358,000 | 3,759 |
| Average equity | $17,042,500 | 3,469 |
| Average total loans | $68,010,500 | 4,009 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0921% | 120 |
| Cost of funding earning assets | 0.2914% | 4,216 |
| Net interest margin | 5.8008% | 83 |
| Noninterest income to average assets | 1.8649% | 327 |
| Noninterest expense to average assets | 4.8974% | 231 |
| Loan and lease loss provision to assets | 0.1504% | 1,498 |
| Net operating income to assets | 1.1607% | 1,646 |
| Return on assets (ROA) | 1.1607% | 1,675 |
| Pretax return on assets | 2.0839% | 403 |
| Return on Equity (ROE) | 8.6398% | 2,479 |
| Retained earnings to average equity (ytd only) | -2.8417% | 5,335 |
| Net charge-offs to loans | 0.2601% | 1,003 |
| Credit loss provision to net charge-offs | 118.1818% | 2,214 |
| Earnings coverage of net charge-offs (x) | 17.5576% | 2,116 |
| Efficiency ratio | 68.6709% | 2,761 |
| Assets per employee ($millions) | 1.6112% | 5,597 |
| Cash dividends to net income (ytd only)* | 132.8904% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5554% | 231 |
| Loan loss allowance to noncurrent loans | 104.5427% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.2520% | 448 |
| Noncurrent loans to loans | 2.4444% | 559 |
| Net loans and leases to total assets | 50.4310% | 4,626 |
| Net loans and leases to deposits | 58.3764% | 4,671 |
| Net loans and leases to core deposits | 59.1773% | 4,792 |
| Total domestic deposits to total assets | 86.3894% | 2,275 |
| Equity capital to assets | 12.6459% | 1,425 |
| Core capital (leverage) ratio | 12.8411% | 1,203 |
| Tier 1 risk-based capital ratio | 22.9257% | 917 |
| Total risk-based capital ratio | 24.1886% | 902 |
| Memoranda: | ||
| Average total assets | $129,659,800 | 3,753 |
| Average earning assets | $117,726,000 | 3,793 |
| Average equity | $17,419,400 | 3,445 |
| Average total loans | $63,445,200 | 4,116 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9982% | 133 |
| Cost of funding earning assets | 0.2928% | 4,200 |
| Net interest margin | 5.7055% | 81 |
| Noninterest income to average assets | 1.7551% | 381 |
| Noninterest expense to average assets | 4.8049% | 247 |
| Loan and lease loss provision to assets | 0.1246% | 1,736 |
| Net operating income to assets | 1.2154% | 1,628 |
| Return on assets (ROA) | 1.2154% | 1,658 |
| Pretax return on assets | 2.0044% | 545 |
| Return on Equity (ROE) | 8.9147% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.9147% | 875 |
| Net charge-offs to loans | 0.1773% | 1,188 |
| Credit loss provision to net charge-offs | 145.7831% | 1,727 |
| Earnings coverage of net charge-offs (x) | 24.9045% | 1,752 |
| Efficiency ratio | 69.2959% | 2,651 |
| Assets per employee ($millions) | 1.5938% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6246% | 230 |
| Loan loss allowance to noncurrent loans | 88.8775% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.4594% | 445 |
| Noncurrent loans to loans | 2.9530% | 443 |
| Net loans and leases to total assets | 49.8342% | 4,710 |
| Net loans and leases to deposits | 58.7949% | 4,694 |
| Net loans and leases to core deposits | 59.4881% | 4,841 |
| Total domestic deposits to total assets | 84.7594% | 2,815 |
| Equity capital to assets | 14.1840% | 944 |
| Core capital (leverage) ratio | 14.1990% | 839 |
| Tier 1 risk-based capital ratio | 25.7767% | 695 |
| Total risk-based capital ratio | 27.0414% | 684 |
| Memoranda: | ||
| Average total assets | $129,447,500 | 3,793 |
| Average earning assets | $117,498,500 | 3,832 |
| Average equity | $17,648,250 | 3,444 |
| Average total loans | $62,420,750 | 4,174 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8607% | 148 |
| Cost of funding earning assets | 0.2924% | 4,155 |
| Net interest margin | 5.5682% | 97 |
| Noninterest income to average assets | 1.6193% | 430 |
| Noninterest expense to average assets | 4.7575% | 260 |
| Loan and lease loss provision to assets | 0.1111% | 1,841 |
| Net operating income to assets | 1.0991% | 1,979 |
| Return on assets (ROA) | 1.0991% | 2,034 |
| Pretax return on assets | 1.8060% | 828 |
| Return on Equity (ROE) | 8.1711% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.1711% | 1,093 |
| Net charge-offs to loans | 0.1209% | 1,443 |
| Credit loss provision to net charge-offs | 194.5946% | 1,302 |
| Earnings coverage of net charge-offs (x) | 33.5676% | 1,389 |
| Efficiency ratio | 71.2766% | 2,474 |
| Assets per employee ($millions) | 1.5468% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7395% | 212 |
| Loan loss allowance to noncurrent loans | 106.4576% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.1548% | 559 |
| Noncurrent loans to loans | 2.5734% | 563 |
| Net loans and leases to total assets | 46.7427% | 4,900 |
| Net loans and leases to deposits | 54.4901% | 4,935 |
| Net loans and leases to core deposits | 55.1121% | 5,044 |
| Total domestic deposits to total assets | 85.7821% | 2,481 |
| Equity capital to assets | 13.5668% | 1,123 |
| Core capital (leverage) ratio | 13.7399% | 930 |
| Tier 1 risk-based capital ratio | 25.9403% | 677 |
| Total risk-based capital ratio | 27.2057% | 663 |
| Memoranda: | ||
| Average total assets | $129,564,670 | 3,809 |
| Average earning assets | $117,631,670 | 3,843 |
| Average equity | $17,427,330 | 3,476 |
| Average total loans | $61,205,000 | 4,234 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8371% | 150 |
| Cost of funding earning assets | 0.2948% | 4,102 |
| Net interest margin | 5.5424% | 108 |
| Noninterest income to average assets | 1.6515% | 414 |
| Noninterest expense to average assets | 4.7244% | 283 |
| Loan and lease loss provision to assets | 0.0311% | 3,159 |
| Net operating income to assets | 1.0917% | 1,906 |
| Return on assets (ROA) | 1.0917% | 1,949 |
| Pretax return on assets | 1.9252% | 595 |
| Return on Equity (ROE) | 8.1521% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.1521% | 1,395 |
| Net charge-offs to loans | 0.1993% | 864 |
| Credit loss provision to net charge-offs | 33.3333% | 2,097 |
| Earnings coverage of net charge-offs (x) | 20.9667% | 1,468 |
| Efficiency ratio | 70.7169% | 2,787 |
| Assets per employee ($millions) | 1.5549% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8135% | 221 |
| Loan loss allowance to noncurrent loans | 130.5296% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8697% | 736 |
| Noncurrent loans to loans | 2.1554% | 795 |
| Net loans and leases to total assets | 44.3265% | 5,019 |
| Net loans and leases to deposits | 51.4481% | 5,055 |
| Net loans and leases to core deposits | 52.3369% | 5,130 |
| Total domestic deposits to total assets | 86.1578% | 2,602 |
| Equity capital to assets | 13.3399% | 1,132 |
| Core capital (leverage) ratio | 13.6527% | 925 |
| Tier 1 risk-based capital ratio | 26.6007% | 653 |
| Total risk-based capital ratio | 27.8657% | 637 |
| Memoranda: | ||
| Average total assets | $128,609,500 | 3,868 |
| Average earning assets | $116,701,000 | 3,903 |
| Average equity | $17,222,500 | 3,512 |
| Average total loans | $60,214,500 | 4,299 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5210% | 243 |
| Cost of funding earning assets | 0.3068% | 3,991 |
| Net interest margin | 5.2142% | 166 |
| Noninterest income to average assets | 5.2845% | 117 |
| Noninterest expense to average assets | 5.7004% | 186 |
| Loan and lease loss provision to assets | 0.2888% | 664 |
| Net operating income to assets | 2.6124% | 126 |
| Return on assets (ROA) | 2.6124% | 128 |
| Pretax return on assets | 4.0572% | 64 |
| Return on Equity (ROE) | 18.0477% | 325 |
| Retained earnings to average equity (ytd only) | 1.7836% | 4,511 |
| Net charge-offs to loans | 0.3748% | 723 |
| Credit loss provision to net charge-offs | 164.2857% | 1,685 |
| Earnings coverage of net charge-offs (x) | 24.7232% | 1,620 |
| Efficiency ratio | 56.7411% | 4,982 |
| Assets per employee ($millions) | 1.5631% | 5,838 |
| Cash dividends to net income (ytd only)* | 90.1172% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7868% | 226 |
| Loan loss allowance to noncurrent loans | 73.1034% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.6443% | 433 |
| Noncurrent loans to loans | 3.8121% | 291 |
| Net loans and leases to total assets | 46.7282% | 4,969 |
| Net loans and leases to deposits | 54.4754% | 4,992 |
| Net loans and leases to core deposits | 55.8500% | 5,052 |
| Total domestic deposits to total assets | 85.7785% | 2,689 |
| Equity capital to assets | 13.4443% | 1,077 |
| Core capital (leverage) ratio | 13.5646% | 949 |
| Tier 1 risk-based capital ratio | 26.1528% | 695 |
| Total risk-based capital ratio | 27.4189% | 663 |
| Memoranda: | ||
| Average total assets | $127,428,800 | 3,874 |
| Average earning assets | $116,374,200 | 3,893 |
| Average equity | $18,445,600 | 3,344 |
| Average total loans | $59,758,800 | 4,306 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5034% | 244 |
| Cost of funding earning assets | 0.3086% | 3,999 |
| Net interest margin | 5.1948% | 171 |
| Noninterest income to average assets | 6.3002% | 98 |
| Noninterest expense to average assets | 4.7437% | 314 |
| Loan and lease loss provision to assets | 0.0940% | 2,345 |
| Net operating income to assets | 4.0688% | 50 |
| Return on assets (ROA) | 4.0688% | 50 |
| Pretax return on assets | 6.2103% | 40 |
| Return on Equity (ROE) | 27.6212% | 58 |
| Retained earnings to average equity (ytd only) | 27.6212% | 20 |
| Net charge-offs to loans | 0.3766% | 587 |
| Credit loss provision to net charge-offs | 53.5714% | 2,985 |
| Earnings coverage of net charge-offs (x) | 35.9233% | 1,323 |
| Efficiency ratio | 42.9368% | 5,768 |
| Assets per employee ($millions) | 1.6026% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4170% | 369 |
| Loan loss allowance to noncurrent loans | 54.2111% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.6316% | 501 |
| Noncurrent loans to loans | 4.4585% | 217 |
| Net loans and leases to total assets | 46.4160% | 5,072 |
| Net loans and leases to deposits | 55.8811% | 5,005 |
| Net loans and leases to core deposits | 57.1788% | 5,091 |
| Total domestic deposits to total assets | 83.0622% | 3,562 |
| Equity capital to assets | 16.1540% | 528 |
| Core capital (leverage) ratio | 16.2038% | 443 |
| Tier 1 risk-based capital ratio | 32.3059% | 402 |
| Total risk-based capital ratio | 33.5676% | 395 |
| Memoranda: | ||
| Average total assets | $127,633,250 | 3,896 |
| Average earning assets | $116,652,750 | 3,911 |
| Average equity | $18,801,500 | 3,323 |
| Average total loans | $59,483,750 | 4,345 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4693% | 267 |
| Cost of funding earning assets | 0.3077% | 4,043 |
| Net interest margin | 5.1617% | 181 |
| Noninterest income to average assets | 8.6974% | 71 |
| Noninterest expense to average assets | 4.7285% | 319 |
| Loan and lease loss provision to assets | 0.0392% | 3,372 |
| Net operating income to assets | 5.5963% | 29 |
| Return on assets (ROA) | 5.5963% | 29 |
| Pretax return on assets | 8.6424% | 25 |
| Return on Equity (ROE) | 39.2623% | 19 |
| Retained earnings to average equity (ytd only) | 39.2623% | 8 |
| Net charge-offs to loans | 0.0678% | 2,218 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 276.6000% | 247 |
| Efficiency ratio | 35.2604% | 5,975 |
| Assets per employee ($millions) | 1.5668% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5713% | 330 |
| Loan loss allowance to noncurrent loans | 44.5749% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 3.2419% | 359 |
| Noncurrent loans to loans | 5.7686% | 134 |
| Net loans and leases to total assets | 45.9191% | 5,132 |
| Net loans and leases to deposits | 55.0173% | 5,078 |
| Net loans and leases to core deposits | 56.2827% | 5,150 |
| Total domestic deposits to total assets | 83.4631% | 3,478 |
| Equity capital to assets | 15.8839% | 565 |
| Core capital (leverage) ratio | 15.9388% | 470 |
| Tier 1 risk-based capital ratio | 32.2749% | 409 |
| Total risk-based capital ratio | 33.5399% | 397 |
| Memoranda: | ||
| Average total assets | $127,441,000 | 3,927 |
| Average earning assets | $116,358,000 | 3,944 |
| Average equity | $18,165,000 | 3,420 |
| Average total loans | $58,983,670 | 4,381 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 245 |
| Cost of funding earning assets | 0.3120% | 4,036 |
| Net interest margin | 5.2138% | 174 |
| Noninterest income to average assets | 1.5505% | 484 |
| Noninterest expense to average assets | 4.6548% | 345 |
| Loan and lease loss provision to assets | 0.0473% | 2,973 |
| Net operating income to assets | 1.4402% | 963 |
| Return on assets (ROA) | 1.4402% | 1,010 |
| Pretax return on assets | 1.5884% | 1,328 |
| Return on Equity (ROE) | 10.7252% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.7252% | 706 |
| Net charge-offs to loans | 0.0756% | 1,729 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 47.1818% | 916 |
| Efficiency ratio | 73.9980% | 2,475 |
| Assets per employee ($millions) | 1.5910% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6429% | 333 |
| Loan loss allowance to noncurrent loans | 44.7512% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 3.2598% | 368 |
| Noncurrent loans to loans | 5.9058% | 148 |
| Net loans and leases to total assets | 45.0341% | 5,183 |
| Net loans and leases to deposits | 52.4448% | 5,201 |
| Net loans and leases to core deposits | 53.6249% | 5,279 |
| Total domestic deposits to total assets | 85.8694% | 2,725 |
| Equity capital to assets | 13.5869% | 1,142 |
| Core capital (leverage) ratio | 13.4456% | 1,007 |
| Tier 1 risk-based capital ratio | 26.8067% | 687 |
| Total risk-based capital ratio | 28.0781% | 670 |
| Memoranda: | ||
| Average total assets | $126,923,500 | 3,962 |
| Average earning assets | $115,385,500 | 3,983 |
| Average equity | $17,044,000 | 3,579 |
| Average total loans | $58,199,500 | 4,432 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 366 |
| Cost of funding earning assets | 0.3254% | 3,962 |
| Net interest margin | 4.9723% | 266 |
| Noninterest income to average assets | 2.2139% | 307 |
| Noninterest expense to average assets | 4.3981% | 436 |
| Loan and lease loss provision to assets | 0.3541% | 413 |
| Net operating income to assets | 1.2222% | 1,479 |
| Return on assets (ROA) | 1.2222% | 1,542 |
| Pretax return on assets | 2.0140% | 524 |
| Return on Equity (ROE) | 8.6142% | 2,666 |
| Retained earnings to average equity (ytd only) | -1.0074% | 5,658 |
| Net charge-offs to loans | 0.7438% | 316 |
| Credit loss provision to net charge-offs | 110.5263% | 2,284 |
| Earnings coverage of net charge-offs (x) | 7.3910% | 3,085 |
| Efficiency ratio | 65.0012% | 4,088 |
| Assets per employee ($millions) | 1.5821% | 6,100 |
| Cash dividends to net income (ytd only)* | 111.6951% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6980% | 318 |
| Loan loss allowance to noncurrent loans | 43.8666% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 3.3452% | 364 |
| Noncurrent loans to loans | 6.1504% | 135 |
| Net loans and leases to total assets | 44.2230% | 5,269 |
| Net loans and leases to deposits | 51.2254% | 5,323 |
| Net loans and leases to core deposits | 52.3856% | 5,398 |
| Total domestic deposits to total assets | 86.3301% | 2,475 |
| Equity capital to assets | 13.2693% | 1,223 |
| Core capital (leverage) ratio | 13.2504% | 1,059 |
| Tier 1 risk-based capital ratio | 26.4878% | 704 |
| Total risk-based capital ratio | 27.7591% | 678 |
| Memoranda: | ||
| Average total assets | $124,530,000 | 3,999 |
| Average earning assets | $114,011,800 | 4,000 |
| Average equity | $17,668,400 | 3,432 |
| Average total loans | $53,640,000 | 4,564 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 416 |
| Cost of funding earning assets | 0.3247% | 4,051 |
| Net interest margin | 4.9146% | 305 |
| Noninterest income to average assets | 2.4275% | 272 |
| Noninterest expense to average assets | 4.2304% | 526 |
| Loan and lease loss provision to assets | 0.2913% | 516 |
| Net operating income to assets | 1.5685% | 822 |
| Return on assets (ROA) | 1.5685% | 862 |
| Pretax return on assets | 2.4135% | 279 |
| Return on Equity (ROE) | 10.8755% | 1,753 |
| Retained earnings to average equity (ytd only) | 10.8755% | 491 |
| Net charge-offs to loans | 0.7772% | 266 |
| Credit loss provision to net charge-offs | 88.2736% | 2,490 |
| Earnings coverage of net charge-offs (x) | 8.1955% | 2,836 |
| Efficiency ratio | 60.9983% | 4,733 |
| Assets per employee ($millions) | 1.5450% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6395% | 359 |
| Loan loss allowance to noncurrent loans | 50.4449% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 2.9945% | 505 |
| Noncurrent loans to loans | 5.2325% | 186 |
| Net loans and leases to total assets | 44.5439% | 5,323 |
| Net loans and leases to deposits | 52.9216% | 5,320 |
| Net loans and leases to core deposits | 54.1940% | 5,392 |
| Total domestic deposits to total assets | 84.1697% | 3,352 |
| Equity capital to assets | 15.1200% | 712 |
| Core capital (leverage) ratio | 14.8186% | 674 |
| Tier 1 risk-based capital ratio | 30.1462% | 516 |
| Total risk-based capital ratio | 31.4120% | 509 |
| Memoranda: | ||
| Average total assets | $124,020,000 | 4,042 |
| Average earning assets | $113,753,000 | 4,049 |
| Average equity | $17,886,750 | 3,421 |
| Average total loans | $52,668,750 | 4,642 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0956% | 509 |
| Cost of funding earning assets | 0.3195% | 4,163 |
| Net interest margin | 4.7761% | 377 |
| Noninterest income to average assets | 2.7736% | 238 |
| Noninterest expense to average assets | 3.9816% | 690 |
| Loan and lease loss provision to assets | 0.0481% | 3,159 |
| Net operating income to assets | 1.9812% | 377 |
| Return on assets (ROA) | 1.9812% | 392 |
| Pretax return on assets | 3.1330% | 123 |
| Return on Equity (ROE) | 13.9569% | 912 |
| Retained earnings to average equity (ytd only) | 13.9569% | 237 |
| Net charge-offs to loans | 1.0773% | 186 |
| Credit loss provision to net charge-offs | 10.7914% | 3,094 |
| Earnings coverage of net charge-offs (x) | 7.1331% | 2,704 |
| Efficiency ratio | 55.5879% | 5,465 |
| Assets per employee ($millions) | 1.5649% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3985% | 551 |
| Loan loss allowance to noncurrent loans | 72.7378% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.9874% | 1,114 |
| Noncurrent loans to loans | 3.2974% | 554 |
| Net loans and leases to total assets | 41.0223% | 5,573 |
| Net loans and leases to deposits | 48.3673% | 5,577 |
| Net loans and leases to core deposits | 49.3670% | 5,634 |
| Total domestic deposits to total assets | 84.8140% | 3,207 |
| Equity capital to assets | 14.5485% | 806 |
| Core capital (leverage) ratio | 14.4346% | 727 |
| Tier 1 risk-based capital ratio | 30.4817% | 516 |
| Total risk-based capital ratio | 31.7455% | 508 |
| Memoranda: | ||
| Average total assets | $124,674,330 | 4,058 |
| Average earning assets | $114,569,330 | 4,058 |
| Average equity | $17,697,330 | 3,470 |
| Average total loans | $51,610,670 | 4,706 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 482 |
| Cost of funding earning assets | 0.3183% | 4,243 |
| Net interest margin | 4.7810% | 364 |
| Noninterest income to average assets | 3.6940% | 174 |
| Noninterest expense to average assets | 3.8162% | 862 |
| Loan and lease loss provision to assets | 0.0482% | 2,967 |
| Net operating income to assets | 2.6459% | 119 |
| Return on assets (ROA) | 2.6459% | 131 |
| Pretax return on assets | 4.2245% | 82 |
| Return on Equity (ROE) | 18.8767% | 329 |
| Retained earnings to average equity (ytd only) | 18.8767% | 122 |
| Net charge-offs to loans | 0.6105% | 399 |
| Credit loss provision to net charge-offs | 19.2308% | 2,367 |
| Earnings coverage of net charge-offs (x) | 17.0385% | 1,543 |
| Efficiency ratio | 47.1781% | 6,057 |
| Assets per employee ($millions) | 1.6718% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8498% | 346 |
| Loan loss allowance to noncurrent loans | 80.8380% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.6677% | 1,514 |
| Noncurrent loans to loans | 3.5253% | 546 |
| Net loans and leases to total assets | 39.3423% | 5,637 |
| Net loans and leases to deposits | 46.3031% | 5,645 |
| Net loans and leases to core deposits | 47.2536% | 5,705 |
| Total domestic deposits to total assets | 84.9670% | 3,427 |
| Equity capital to assets | 14.2538% | 905 |
| Core capital (leverage) ratio | 14.2270% | 758 |
| Tier 1 risk-based capital ratio | 19.2520% | 1,795 |
| Total risk-based capital ratio | 20.5059% | 1,756 |
| Memoranda: | ||
| Average total assets | $124,417,500 | 4,094 |
| Average earning assets | $114,369,500 | 4,092 |
| Average equity | $17,439,500 | 3,529 |
| Average total loans | $51,107,500 | 4,758 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 650 |
| Cost of funding earning assets | 0.3364% | 4,412 |
| Net interest margin | 4.7543% | 475 |
| Noninterest income to average assets | 2.4659% | 244 |
| Noninterest expense to average assets | 4.7147% | 386 |
| Loan and lease loss provision to assets | 0.0495% | 3,577 |
| Net operating income to assets | 1.3391% | 1,210 |
| Return on assets (ROA) | 1.3386% | 1,262 |
| Pretax return on assets | 2.0747% | 437 |
| Return on Equity (ROE) | 9.9613% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.9613% | 524 |
| Net charge-offs to loans | 0.1692% | 2,339 |
| Credit loss provision to net charge-offs | 70.5882% | 3,061 |
| Earnings coverage of net charge-offs (x) | 30.2941% | 1,325 |
| Efficiency ratio | 68.9310% | 3,726 |
| Assets per employee ($millions) | 1.5827% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9355% | 319 |
| Loan loss allowance to noncurrent loans | 71.2937% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.0227% | 1,256 |
| Noncurrent loans to loans | 4.1175% | 434 |
| Net loans and leases to total assets | 40.4444% | 5,714 |
| Net loans and leases to deposits | 47.1353% | 5,736 |
| Net loans and leases to core deposits | 48.0914% | 5,810 |
| Total domestic deposits to total assets | 85.8049% | 2,946 |
| Equity capital to assets | 13.7763% | 1,039 |
| Core capital (leverage) ratio | 13.7522% | 878 |
| Tier 1 risk-based capital ratio | 26.9365% | 690 |
| Total risk-based capital ratio | 28.2008% | 668 |
| Memoranda: | ||
| Average total assets | $121,173,600 | 4,156 |
| Average earning assets | $111,478,000 | 4,147 |
| Average equity | $16,283,000 | 3,631 |
| Average total loans | $50,237,400 | 4,811 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 670 |
| Cost of funding earning assets | 0.3369% | 4,507 |
| Net interest margin | 4.7453% | 464 |
| Noninterest income to average assets | 2.7008% | 220 |
| Noninterest expense to average assets | 4.5249% | 452 |
| Loan and lease loss provision to assets | 0.0497% | 3,386 |
| Net operating income to assets | 1.5820% | 784 |
| Return on assets (ROA) | 1.5820% | 812 |
| Pretax return on assets | 2.4863% | 216 |
| Return on Equity (ROE) | 11.8491% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.8491% | 427 |
| Net charge-offs to loans | 0.1842% | 1,983 |
| Credit loss provision to net charge-offs | 65.2174% | 2,846 |
| Earnings coverage of net charge-offs (x) | 33.2455% | 1,283 |
| Efficiency ratio | 64.0833% | 4,527 |
| Assets per employee ($millions) | 1.5943% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9185% | 390 |
| Loan loss allowance to noncurrent loans | 73.0658% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 2.0882% | 1,344 |
| Noncurrent loans to loans | 3.9944% | 533 |
| Net loans and leases to total assets | 42.0342% | 5,668 |
| Net loans and leases to deposits | 49.2890% | 5,687 |
| Net loans and leases to core deposits | 50.0847% | 5,786 |
| Total domestic deposits to total assets | 85.2811% | 3,228 |
| Equity capital to assets | 14.0934% | 974 |
| Core capital (leverage) ratio | 13.9140% | 869 |
| Tier 1 risk-based capital ratio | 26.7117% | 726 |
| Total risk-based capital ratio | 27.9765% | 709 |
| Memoranda: | ||
| Average total assets | $120,604,250 | 4,203 |
| Average earning assets | $110,815,500 | 4,197 |
| Average equity | $16,102,000 | 3,679 |
| Average total loans | $49,937,000 | 4,869 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0253% | 717 |
| Cost of funding earning assets | 0.3349% | 4,587 |
| Net interest margin | 4.6904% | 494 |
| Noninterest income to average assets | 2.9070% | 194 |
| Noninterest expense to average assets | 4.5243% | 440 |
| Loan and lease loss provision to assets | 0.0496% | 3,312 |
| Net operating income to assets | 1.6652% | 623 |
| Return on assets (ROA) | 1.6652% | 656 |
| Pretax return on assets | 2.6408% | 172 |
| Return on Equity (ROE) | 12.7050% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.7050% | 363 |
| Net charge-offs to loans | 0.2108% | 1,764 |
| Credit loss provision to net charge-offs | 57.6923% | 2,673 |
| Earnings coverage of net charge-offs (x) | 31.2885% | 1,218 |
| Efficiency ratio | 62.7091% | 4,909 |
| Assets per employee ($millions) | 1.5294% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9496% | 405 |
| Loan loss allowance to noncurrent loans | 83.9157% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.8852% | 1,719 |
| Noncurrent loans to loans | 3.5150% | 748 |
| Net loans and leases to total assets | 41.7298% | 5,693 |
| Net loans and leases to deposits | 48.8514% | 5,718 |
| Net loans and leases to core deposits | 49.5156% | 5,825 |
| Total domestic deposits to total assets | 85.4220% | 3,318 |
| Equity capital to assets | 13.7356% | 1,070 |
| Core capital (leverage) ratio | 13.3887% | 1,017 |
| Tier 1 risk-based capital ratio | 25.8154% | 794 |
| Total risk-based capital ratio | 27.0800% | 773 |
| Memoranda: | ||
| Average total assets | $120,947,670 | 4,214 |
| Average earning assets | $111,079,000 | 4,217 |
| Average equity | $15,852,000 | 3,715 |
| Average total loans | $49,325,000 | 4,911 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 742 |
| Cost of funding earning assets | 0.3325% | 4,713 |
| Net interest margin | 4.6507% | 508 |
| Noninterest income to average assets | 3.2027% | 174 |
| Noninterest expense to average assets | 4.3950% | 500 |
| Loan and lease loss provision to assets | 0.0493% | 3,109 |
| Net operating income to assets | 1.8723% | 425 |
| Return on assets (ROA) | 1.8723% | 446 |
| Pretax return on assets | 3.0319% | 136 |
| Return on Equity (ROE) | 14.6295% | 835 |
| Retained earnings to average equity (ytd only) | 14.6295% | 349 |
| Net charge-offs to loans | 0.1820% | 1,628 |
| Credit loss provision to net charge-offs | 68.1818% | 2,022 |
| Earnings coverage of net charge-offs (x) | 42.6364% | 843 |
| Efficiency ratio | 58.7873% | 5,570 |
| Assets per employee ($millions) | 1.5287% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1971% | 360 |
| Loan loss allowance to noncurrent loans | 105.7439% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 2,372 |
| Noncurrent loans to loans | 3.0235% | 1,042 |
| Net loans and leases to total assets | 37.3644% | 5,994 |
| Net loans and leases to deposits | 43.3347% | 6,008 |
| Net loans and leases to core deposits | 43.9130% | 6,080 |
| Total domestic deposits to total assets | 86.2229% | 3,246 |
| Equity capital to assets | 12.8363% | 1,389 |
| Core capital (leverage) ratio | 12.7403% | 1,278 |
| Tier 1 risk-based capital ratio | 26.2593% | 767 |
| Total risk-based capital ratio | 27.5258% | 756 |
| Memoranda: | ||
| Average total assets | $121,773,500 | 4,241 |
| Average earning assets | $111,896,500 | 4,221 |
| Average equity | $15,585,000 | 3,770 |
| Average total loans | $48,340,000 | 4,993 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7206% | 1,516 |
| Cost of funding earning assets | 0.3739% | 4,904 |
| Net interest margin | 4.3467% | 1,008 |
| Noninterest income to average assets | 2.4370% | 292 |
| Noninterest expense to average assets | 4.6781% | 453 |
| Loan and lease loss provision to assets | 0.0500% | 4,137 |
| Net operating income to assets | 1.0990% | 1,940 |
| Return on assets (ROA) | 1.0985% | 2,007 |
| Pretax return on assets | 1.6994% | 956 |
| Return on Equity (ROE) | 8.5562% | 2,757 |
| Retained earnings to average equity (ytd only) | 3.3628% | 3,837 |
| Net charge-offs to loans | 0.2362% | 2,564 |
| Credit loss provision to net charge-offs | 51.7241% | 3,771 |
| Earnings coverage of net charge-offs (x) | 18.1034% | 1,674 |
| Efficiency ratio | 72.7732% | 3,339 |
| Assets per employee ($millions) | 1.5155% | 6,718 |
| Cash dividends to net income (ytd only)* | 60.6980% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1399% | 402 |
| Loan loss allowance to noncurrent loans | 85.3252% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.8334% | 1,999 |
| Noncurrent loans to loans | 3.6799% | 823 |
| Net loans and leases to total assets | 39.5503% | 5,996 |
| Net loans and leases to deposits | 45.5926% | 6,040 |
| Net loans and leases to core deposits | 46.2169% | 6,127 |
| Total domestic deposits to total assets | 86.7472% | 2,856 |
| Equity capital to assets | 12.7591% | 1,390 |
| Core capital (leverage) ratio | 12.7259% | 1,245 |
| Tier 1 risk-based capital ratio | 26.1005% | 767 |
| Total risk-based capital ratio | 27.3671% | 744 |
| Memoranda: | ||
| Average total assets | $119,985,200 | 4,277 |
| Average earning assets | $110,176,400 | 4,255 |
| Average equity | $15,404,000 | 3,799 |
| Average total loans | $49,110,200 | 5,001 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 1,787 |
| Cost of funding earning assets | 0.3812% | 4,988 |
| Net interest margin | 4.2525% | 1,203 |
| Noninterest income to average assets | 2.5578% | 286 |
| Noninterest expense to average assets | 4.4103% | 569 |
| Loan and lease loss provision to assets | 0.0500% | 4,015 |
| Net operating income to assets | 1.2672% | 1,437 |
| Return on assets (ROA) | 1.2672% | 1,507 |
| Pretax return on assets | 2.0002% | 576 |
| Return on Equity (ROE) | 9.8555% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.8555% | 821 |
| Net charge-offs to loans | 0.2251% | 2,462 |
| Credit loss provision to net charge-offs | 54.2169% | 3,411 |
| Earnings coverage of net charge-offs (x) | 22.2417% | 1,506 |
| Efficiency ratio | 68.2654% | 4,048 |
| Assets per employee ($millions) | 1.5186% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2121% | 447 |
| Loan loss allowance to noncurrent loans | 100.4528% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 2.8924% | 1,288 |
| Noncurrent loans to loans | 3.1977% | 1,228 |
| Net loans and leases to total assets | 39.0053% | 6,107 |
| Net loans and leases to deposits | 45.1995% | 6,146 |
| Net loans and leases to core deposits | 45.6889% | 6,229 |
| Total domestic deposits to total assets | 86.2959% | 3,081 |
| Equity capital to assets | 13.2107% | 1,237 |
| Core capital (leverage) ratio | 13.4357% | 1,049 |
| Tier 1 risk-based capital ratio | 27.4782% | 669 |
| Total risk-based capital ratio | 28.7462% | 652 |
| Memoranda: | ||
| Average total assets | $120,050,000 | 4,317 |
| Average earning assets | $110,176,500 | 4,296 |
| Average equity | $15,436,000 | 3,839 |
| Average total loans | $49,166,000 | 5,037 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 1,052 |
| Cost of funding earning assets | 0.3941% | 4,989 |
| Net interest margin | 4.5243% | 682 |
| Noninterest income to average assets | 2.8082% | 277 |
| Noninterest expense to average assets | 4.2723% | 644 |
| Loan and lease loss provision to assets | 0.0500% | 3,986 |
| Net operating income to assets | 1.6423% | 688 |
| Return on assets (ROA) | 1.6423% | 756 |
| Pretax return on assets | 2.6350% | 229 |
| Return on Equity (ROE) | 12.8903% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.8903% | 396 |
| Net charge-offs to loans | 0.2468% | 2,246 |
| Credit loss provision to net charge-offs | 49.1803% | 3,226 |
| Earnings coverage of net charge-offs (x) | 26.4262% | 1,243 |
| Efficiency ratio | 61.4077% | 5,261 |
| Assets per employee ($millions) | 1.5307% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1931% | 483 |
| Loan loss allowance to noncurrent loans | 63.3374% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 3.6278% | 1,034 |
| Noncurrent loans to loans | 5.0414% | 634 |
| Net loans and leases to total assets | 39.1100% | 6,101 |
| Net loans and leases to deposits | 45.2727% | 6,154 |
| Net loans and leases to core deposits | 45.7575% | 6,242 |
| Total domestic deposits to total assets | 86.3878% | 3,169 |
| Equity capital to assets | 12.9672% | 1,356 |
| Core capital (leverage) ratio | 13.2695% | 1,065 |
| Tier 1 risk-based capital ratio | 27.6236% | 655 |
| Total risk-based capital ratio | 28.8915% | 642 |
| Memoranda: | ||
| Average total assets | $120,076,330 | 4,346 |
| Average earning assets | $110,115,330 | 4,337 |
| Average equity | $15,298,330 | 3,891 |
| Average total loans | $49,438,670 | 5,046 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 1,013 |
| Cost of funding earning assets | 0.4054% | 5,048 |
| Net interest margin | 4.5211% | 655 |
| Noninterest income to average assets | 2.6109% | 301 |
| Noninterest expense to average assets | 4.2123% | 703 |
| Loan and lease loss provision to assets | 0.0501% | 3,782 |
| Net operating income to assets | 1.5178% | 830 |
| Return on assets (ROA) | 1.5178% | 906 |
| Pretax return on assets | 2.4872% | 272 |
| Return on Equity (ROE) | 12.0209% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.0209% | 702 |
| Net charge-offs to loans | 0.2172% | 2,121 |
| Credit loss provision to net charge-offs | 55.5556% | 2,512 |
| Earnings coverage of net charge-offs (x) | 28.1111% | 995 |
| Efficiency ratio | 62.4071% | 5,252 |
| Assets per employee ($millions) | 1.5112% | 6,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1969% | 549 |
| Loan loss allowance to noncurrent loans | 58.5465% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.8306% | 1,072 |
| Noncurrent loans to loans | 5.4605% | 664 |
| Net loans and leases to total assets | 39.5487% | 6,031 |
| Net loans and leases to deposits | 45.7164% | 6,074 |
| Net loans and leases to core deposits | 46.2045% | 6,203 |
| Total domestic deposits to total assets | 86.5088% | 3,227 |
| Equity capital to assets | 12.6838% | 1,603 |
| Core capital (leverage) ratio | 12.4165% | 1,377 |
| Tier 1 risk-based capital ratio | 26.9953% | 708 |
| Total risk-based capital ratio | 28.2634% | 691 |
| Memoranda: | ||
| Average total assets | $119,650,500 | 4,405 |
| Average earning assets | $109,532,000 | 4,385 |
| Average equity | $15,107,000 | 3,972 |
| Average total loans | $49,730,500 | 5,067 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 876 |
| Cost of funding earning assets | 0.4927% | 5,273 |
| Net interest margin | 4.8372% | 510 |
| Noninterest income to average assets | 1.9930% | 439 |
| Noninterest expense to average assets | 4.5961% | 521 |
| Loan and lease loss provision to assets | 0.0951% | 4,476 |
| Net operating income to assets | 1.1177% | 1,878 |
| Return on assets (ROA) | 1.1172% | 2,050 |
| Pretax return on assets | 1.7552% | 1,013 |
| Return on Equity (ROE) | 8.2990% | 2,963 |
| Retained earnings to average equity (ytd only) | -6.5319% | 6,506 |
| Net charge-offs to loans | 0.0963% | 4,704 |
| Credit loss provision to net charge-offs | 219.6078% | 1,144 |
| Earnings coverage of net charge-offs (x) | 42.7255% | 757 |
| Efficiency ratio | 71.2874% | 3,571 |
| Assets per employee ($millions) | 1.5580% | 6,979 |
| Cash dividends to net income (ytd only)* | 178.7072% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1776% | 569 |
| Loan loss allowance to noncurrent loans | 56.1199% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 4.0378% | 1,056 |
| Noncurrent loans to loans | 5.6621% | 639 |
| Net loans and leases to total assets | 40.9427% | 6,101 |
| Net loans and leases to deposits | 47.2491% | 6,159 |
| Net loans and leases to core deposits | 47.7621% | 6,282 |
| Total domestic deposits to total assets | 86.6528% | 3,023 |
| Equity capital to assets | 12.5668% | 1,658 |
| Core capital (leverage) ratio | 12.3228% | 1,391 |
| Tier 1 risk-based capital ratio | 26.2523% | 751 |
| Total risk-based capital ratio | 27.5215% | 741 |
| Memoranda: | ||
| Average total assets | $117,709,200 | 4,408 |
| Average earning assets | $108,390,200 | 4,384 |
| Average equity | $15,845,200 | 3,798 |
| Average total loans | $52,961,800 | 4,983 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 836 |
| Cost of funding earning assets | 0.5035% | 5,412 |
| Net interest margin | 4.8999% | 470 |
| Noninterest income to average assets | 1.7333% | 523 |
| Noninterest expense to average assets | 4.4627% | 563 |
| Loan and lease loss provision to assets | 0.1100% | 4,194 |
| Net operating income to assets | 1.0516% | 2,280 |
| Return on assets (ROA) | 1.0516% | 2,497 |
| Pretax return on assets | 1.6755% | 1,341 |
| Return on Equity (ROE) | 7.6833% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.7823% | 3,532 |
| Net charge-offs to loans | -0.0969% | 6,845 |
| Credit loss provision to net charge-offs | -248.7179% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4234% | 3,428 |
| Assets per employee ($millions) | 1.5112% | 7,084 |
| Cash dividends to net income (ytd only)* | 37.7566% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1985% | 596 |
| Loan loss allowance to noncurrent loans | 55.5519% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 4.1244% | 1,163 |
| Noncurrent loans to loans | 5.7577% | 731 |
| Net loans and leases to total assets | 42.2329% | 6,110 |
| Net loans and leases to deposits | 49.4838% | 6,150 |
| Net loans and leases to core deposits | 50.0367% | 6,282 |
| Total domestic deposits to total assets | 85.3469% | 3,591 |
| Equity capital to assets | 13.8263% | 1,226 |
| Core capital (leverage) ratio | 13.8653% | 877 |
| Tier 1 risk-based capital ratio | 27.9610% | 662 |
| Total risk-based capital ratio | 29.2312% | 647 |
| Memoranda: | ||
| Average total assets | $117,534,750 | 4,455 |
| Average earning assets | $108,298,750 | 4,430 |
| Average equity | $16,086,500 | 3,803 |
| Average total loans | $53,684,750 | 5,004 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4440% | 807 |
| Cost of funding earning assets | 0.5158% | 5,514 |
| Net interest margin | 4.9282% | 443 |
| Noninterest income to average assets | 1.5361% | 625 |
| Noninterest expense to average assets | 4.4356% | 583 |
| Loan and lease loss provision to assets | 0.1368% | 3,808 |
| Net operating income to assets | 0.9220% | 2,799 |
| Return on assets (ROA) | 0.9220% | 3,065 |
| Pretax return on assets | 1.5071% | 1,827 |
| Return on Equity (ROE) | 6.7602% | 3,912 |
| Retained earnings to average equity (ytd only) | 2.3705% | 5,011 |
| Net charge-offs to loans | -0.2066% | 7,000 |
| Credit loss provision to net charge-offs | -142.8571% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9600% | 3,246 |
| Assets per employee ($millions) | 1.4191% | 7,155 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0679% | 731 |
| Loan loss allowance to noncurrent loans | 50.0902% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 4.5382% | 1,091 |
| Noncurrent loans to loans | 6.1248% | 708 |
| Net loans and leases to total assets | 45.2345% | 5,901 |
| Net loans and leases to deposits | 52.8935% | 5,964 |
| Net loans and leases to core deposits | 53.1960% | 6,146 |
| Total domestic deposits to total assets | 85.5199% | 3,595 |
| Equity capital to assets | 13.8519% | 1,165 |
| Core capital (leverage) ratio | 13.2459% | 1,073 |
| Tier 1 risk-based capital ratio | 27.1698% | 711 |
| Total risk-based capital ratio | 28.4390% | 691 |
| Memoranda: | ||
| Average total assets | $116,917,000 | 4,483 |
| Average earning assets | $107,788,670 | 4,465 |
| Average equity | $15,946,330 | 3,810 |
| Average total loans | $54,217,330 | 5,022 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 889 |
| Cost of funding earning assets | 0.5252% | 5,638 |
| Net interest margin | 4.8895% | 479 |
| Noninterest income to average assets | 1.5086% | 632 |
| Noninterest expense to average assets | 4.6044% | 503 |
| Loan and lease loss provision to assets | 0.2219% | 2,731 |
| Net operating income to assets | 0.6963% | 3,902 |
| Return on assets (ROA) | 0.6963% | 4,121 |
| Pretax return on assets | 1.1946% | 2,930 |
| Return on Equity (ROE) | 5.1450% | 4,716 |
| Retained earnings to average equity (ytd only) | -3.6822% | 6,463 |
| Net charge-offs to loans | -0.3101% | 7,078 |
| Credit loss provision to net charge-offs | -154.7619% | 5,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4739% | 2,718 |
| Assets per employee ($millions) | 1.4969% | 7,215 |
| Cash dividends to net income (ytd only)* | 171.5686% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0585% | 788 |
| Loan loss allowance to noncurrent loans | 45.5735% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 4.7361% | 1,111 |
| Noncurrent loans to loans | 6.7111% | 698 |
| Net loans and leases to total assets | 44.4374% | 5,961 |
| Net loans and leases to deposits | 51.7385% | 5,995 |
| Net loans and leases to core deposits | 52.0312% | 6,200 |
| Total domestic deposits to total assets | 85.8884% | 3,600 |
| Equity capital to assets | 13.5155% | 1,233 |
| Core capital (leverage) ratio | 13.0752% | 1,100 |
| Tier 1 risk-based capital ratio | 27.1944% | 714 |
| Total risk-based capital ratio | 28.4642% | 696 |
| Memoranda: | ||
| Average total assets | $117,192,000 | 4,510 |
| Average earning assets | $108,150,000 | 4,480 |
| Average equity | $15,860,000 | 3,836 |
| Average total loans | $54,174,000 | 5,062 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5112% | 1,143 |
| Cost of funding earning assets | 0.6176% | 5,997 |
| Net interest margin | 4.8936% | 518 |
| Noninterest income to average assets | 1.8625% | 421 |
| Noninterest expense to average assets | 4.5458% | 565 |
| Loan and lease loss provision to assets | 0.3090% | 3,197 |
| Net operating income to assets | 0.9740% | 2,304 |
| Return on assets (ROA) | 0.9740% | 2,440 |
| Pretax return on assets | 1.5655% | 1,289 |
| Return on Equity (ROE) | 7.5570% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.5570% | 1,249 |
| Net charge-offs to loans | 0.6050% | 2,637 |
| Credit loss provision to net charge-offs | 107.4405% | 3,147 |
| Earnings coverage of net charge-offs (x) | 6.5179% | 2,500 |
| Efficiency ratio | 70.8039% | 3,811 |
| Assets per employee ($millions) | 1.4344% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7907% | 989 |
| Loan loss allowance to noncurrent loans | 36.6994% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 5.0152% | 1,063 |
| Noncurrent loans to loans | 7.6042% | 547 |
| Net loans and leases to total assets | 45.3104% | 6,075 |
| Net loans and leases to deposits | 52.6636% | 6,159 |
| Net loans and leases to core deposits | 53.0911% | 6,362 |
| Total domestic deposits to total assets | 86.0375% | 3,304 |
| Equity capital to assets | 13.5510% | 1,241 |
| Core capital (leverage) ratio | 13.4599% | 981 |
| Tier 1 risk-based capital ratio | 27.1925% | 700 |
| Total risk-based capital ratio | 28.4590% | 668 |
| Memoranda: | ||
| Average total assets | $116,833,200 | 4,484 |
| Average earning assets | $108,814,800 | 4,426 |
| Average equity | $15,058,800 | 3,896 |
| Average total loans | $55,537,200 | 5,051 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5243% | 1,197 |
| Cost of funding earning assets | 0.6333% | 6,119 |
| Net interest margin | 4.8910% | 521 |
| Noninterest income to average assets | 1.8679% | 422 |
| Noninterest expense to average assets | 4.5920% | 529 |
| Loan and lease loss provision to assets | 0.2195% | 3,817 |
| Net operating income to assets | 0.9842% | 2,377 |
| Return on assets (ROA) | 0.9842% | 2,537 |
| Pretax return on assets | 1.6210% | 1,328 |
| Return on Equity (ROE) | 7.7363% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.7363% | 1,611 |
| Net charge-offs to loans | 0.1532% | 4,542 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 25.1566% | 1,057 |
| Efficiency ratio | 71.3880% | 3,670 |
| Assets per employee ($millions) | 1.4061% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8692% | 961 |
| Loan loss allowance to noncurrent loans | 31.5312% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 4.7702% | 1,228 |
| Noncurrent loans to loans | 9.0997% | 421 |
| Net loans and leases to total assets | 46.8051% | 6,071 |
| Net loans and leases to deposits | 54.3837% | 6,182 |
| Net loans and leases to core deposits | 54.6725% | 6,412 |
| Total domestic deposits to total assets | 86.0646% | 3,184 |
| Equity capital to assets | 13.2513% | 1,491 |
| Core capital (leverage) ratio | 13.4384% | 1,065 |
| Tier 1 risk-based capital ratio | 26.7632% | 752 |
| Total risk-based capital ratio | 28.0319% | 740 |
| Memoranda: | ||
| Average total assets | $116,636,000 | 4,518 |
| Average earning assets | $108,850,250 | 4,459 |
| Average equity | $14,838,750 | 3,951 |
| Average total loans | $55,715,250 | 5,085 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 1,298 |
| Cost of funding earning assets | 0.6499% | 6,233 |
| Net interest margin | 4.8483% | 556 |
| Noninterest income to average assets | 1.9355% | 380 |
| Noninterest expense to average assets | 4.5547% | 561 |
| Loan and lease loss provision to assets | 0.2187% | 3,733 |
| Net operating income to assets | 1.0108% | 2,183 |
| Return on assets (ROA) | 1.0108% | 2,282 |
| Pretax return on assets | 1.6841% | 1,088 |
| Return on Equity (ROE) | 8.0588% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.0588% | 1,444 |
| Net charge-offs to loans | 0.1663% | 4,177 |
| Credit loss provision to net charge-offs | 276.0870% | 1,101 |
| Earnings coverage of net charge-offs (x) | 24.0217% | 1,073 |
| Efficiency ratio | 70.5333% | 4,017 |
| Assets per employee ($millions) | 1.3513% | 7,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7737% | 1,102 |
| Loan loss allowance to noncurrent loans | 42.4405% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 3.6932% | 1,764 |
| Noncurrent loans to loans | 6.5355% | 846 |
| Net loans and leases to total assets | 48.4015% | 6,014 |
| Net loans and leases to deposits | 56.0638% | 6,134 |
| Net loans and leases to core deposits | 56.5146% | 6,377 |
| Total domestic deposits to total assets | 86.3329% | 3,138 |
| Equity capital to assets | 12.9549% | 1,537 |
| Core capital (leverage) ratio | 12.6952% | 1,291 |
| Tier 1 risk-based capital ratio | 25.2436% | 881 |
| Total risk-based capital ratio | 26.5108% | 863 |
| Memoranda: | ||
| Average total assets | $116,145,000 | 4,557 |
| Average earning assets | $108,327,670 | 4,497 |
| Average equity | $14,568,000 | 3,994 |
| Average total loans | $55,315,670 | 5,159 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 1,756 |
| Cost of funding earning assets | 0.6572% | 6,354 |
| Net interest margin | 4.6815% | 740 |
| Noninterest income to average assets | 1.7776% | 429 |
| Noninterest expense to average assets | 4.3087% | 720 |
| Loan and lease loss provision to assets | 0.2055% | 3,588 |
| Net operating income to assets | 0.9419% | 2,389 |
| Return on assets (ROA) | 0.9419% | 2,453 |
| Pretax return on assets | 1.6303% | 1,127 |
| Return on Equity (ROE) | 7.6325% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.6325% | 1,872 |
| Net charge-offs to loans | 0.2574% | 3,042 |
| Credit loss provision to net charge-offs | 171.4286% | 1,686 |
| Earnings coverage of net charge-offs (x) | 15.3143% | 1,324 |
| Efficiency ratio | 70.1226% | 4,241 |
| Assets per employee ($millions) | 1.4681% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8379% | 1,073 |
| Loan loss allowance to noncurrent loans | 56.4159% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.6547% | 2,590 |
| Noncurrent loans to loans | 5.0302% | 1,337 |
| Net loans and leases to total assets | 44.0502% | 6,467 |
| Net loans and leases to deposits | 50.5784% | 6,580 |
| Net loans and leases to core deposits | 50.7027% | 6,747 |
| Total domestic deposits to total assets | 87.0929% | 2,898 |
| Equity capital to assets | 12.2403% | 1,768 |
| Core capital (leverage) ratio | 12.4386% | 1,355 |
| Tier 1 risk-based capital ratio | 26.0258% | 786 |
| Total risk-based capital ratio | 27.2939% | 768 |
| Memoranda: | ||
| Average total assets | $116,787,500 | 4,569 |
| Average earning assets | $108,940,000 | 4,499 |
| Average equity | $14,412,000 | 4,022 |
| Average total loans | $54,383,500 | 5,239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1761% | 600 |
| Cost of funding earning assets | 0.8306% | 6,440 |
| Net interest margin | 5.3454% | 222 |
| Noninterest income to average assets | 2.2373% | 330 |
| Noninterest expense to average assets | 4.8998% | 454 |
| Loan and lease loss provision to assets | 0.0611% | 6,535 |
| Net operating income to assets | 1.3734% | 1,001 |
| Return on assets (ROA) | 1.3734% | 1,070 |
| Pretax return on assets | 2.2142% | 308 |
| Return on Equity (ROE) | 10.8623% | 1,628 |
| Retained earnings to average equity (ytd only) | 3.8543% | 3,163 |
| Net charge-offs to loans | 0.1792% | 5,249 |
| Credit loss provision to net charge-offs | 69.0000% | 5,892 |
| Earnings coverage of net charge-offs (x) | 25.6800% | 833 |
| Efficiency ratio | 68.2885% | 4,503 |
| Assets per employee ($millions) | 1.3650% | 7,566 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7437% | 1,120 |
| Loan loss allowance to noncurrent loans | 56.2407% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.6872% | 2,596 |
| Noncurrent loans to loans | 4.8785% | 1,407 |
| Net loans and leases to total assets | 46.5287% | 6,517 |
| Net loans and leases to deposits | 53.4919% | 6,646 |
| Net loans and leases to core deposits | 53.7685% | 6,826 |
| Total domestic deposits to total assets | 86.9828% | 2,828 |
| Equity capital to assets | 12.4442% | 1,671 |
| Core capital (leverage) ratio | 12.5143% | 1,311 |
| Tier 1 risk-based capital ratio | 25.6375% | 794 |
| Total risk-based capital ratio | 26.9054% | 765 |
| Memoranda: | ||
| Average total assets | $112,861,200 | 4,640 |
| Average earning assets | $104,257,400 | 4,600 |
| Average equity | $14,269,600 | 4,082 |
| Average total loans | $55,808,600 | 5,247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1669% | 661 |
| Cost of funding earning assets | 0.8655% | 6,522 |
| Net interest margin | 5.3014% | 243 |
| Noninterest income to average assets | 2.3401% | 303 |
| Noninterest expense to average assets | 4.6838% | 500 |
| Loan and lease loss provision to assets | 0.2657% | 4,453 |
| Net operating income to assets | 1.4019% | 1,102 |
| Return on assets (ROA) | 1.4019% | 1,173 |
| Pretax return on assets | 2.2725% | 358 |
| Return on Equity (ROE) | 11.0439% | 1,771 |
| Retained earnings to average equity (ytd only) | 9.1752% | 996 |
| Net charge-offs to loans | 0.3949% | 3,706 |
| Credit loss provision to net charge-offs | 134.9398% | 2,988 |
| Earnings coverage of net charge-offs (x) | 12.8914% | 1,642 |
| Efficiency ratio | 64.8547% | 5,079 |
| Assets per employee ($millions) | 1.3334% | 7,670 |
| Cash dividends to net income (ytd only)* | 16.9205% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8581% | 948 |
| Loan loss allowance to noncurrent loans | 59.9473% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.5020% | 2,867 |
| Noncurrent loans to loans | 4.7676% | 1,478 |
| Net loans and leases to total assets | 47.2473% | 6,583 |
| Net loans and leases to deposits | 54.6711% | 6,719 |
| Net loans and leases to core deposits | 54.9545% | 6,914 |
| Total domestic deposits to total assets | 86.4209% | 2,839 |
| Equity capital to assets | 12.8256% | 1,665 |
| Core capital (leverage) ratio | 12.9848% | 1,238 |
| Tier 1 risk-based capital ratio | 26.3627% | 747 |
| Total risk-based capital ratio | 27.6335% | 729 |
| Memoranda: | ||
| Average total assets | $112,412,500 | 4,706 |
| Average earning assets | $103,517,000 | 4,685 |
| Average equity | $14,270,000 | 4,142 |
| Average total loans | $56,047,500 | 5,306 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2577% | 555 |
| Cost of funding earning assets | 0.8993% | 6,584 |
| Net interest margin | 5.3584% | 222 |
| Noninterest income to average assets | 2.4646% | 274 |
| Noninterest expense to average assets | 4.5818% | 528 |
| Loan and lease loss provision to assets | 0.2955% | 4,027 |
| Net operating income to assets | 1.5350% | 838 |
| Return on assets (ROA) | 1.5350% | 898 |
| Pretax return on assets | 2.4861% | 238 |
| Return on Equity (ROE) | 12.1351% | 1,420 |
| Retained earnings to average equity (ytd only) | 9.3031% | 1,011 |
| Net charge-offs to loans | 0.2173% | 4,301 |
| Credit loss provision to net charge-offs | 270.4918% | 1,394 |
| Earnings coverage of net charge-offs (x) | 25.4590% | 1,039 |
| Efficiency ratio | 62.2233% | 5,647 |
| Assets per employee ($millions) | 1.3618% | 7,735 |
| Cash dividends to net income (ytd only)* | 23.3372% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9025% | 912 |
| Loan loss allowance to noncurrent loans | 58.6552% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.6533% | 2,724 |
| Noncurrent loans to loans | 4.9484% | 1,403 |
| Net loans and leases to total assets | 48.5384% | 6,587 |
| Net loans and leases to deposits | 56.0524% | 6,722 |
| Net loans and leases to core deposits | 56.2011% | 6,930 |
| Total domestic deposits to total assets | 86.5947% | 2,756 |
| Equity capital to assets | 12.7196% | 1,680 |
| Core capital (leverage) ratio | 12.6256% | 1,357 |
| Tier 1 risk-based capital ratio | 25.1912% | 830 |
| Total risk-based capital ratio | 26.4610% | 809 |
| Memoranda: | ||
| Average total assets | $111,660,330 | 4,758 |
| Average earning assets | $102,082,670 | 4,747 |
| Average equity | $14,124,330 | 4,172 |
| Average total loans | $56,139,330 | 5,350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2501% | 578 |
| Cost of funding earning assets | 0.9573% | 6,548 |
| Net interest margin | 5.2929% | 246 |
| Noninterest income to average assets | 3.0818% | 207 |
| Noninterest expense to average assets | 4.3037% | 719 |
| Loan and lease loss provision to assets | 0.3028% | 3,617 |
| Net operating income to assets | 2.0113% | 339 |
| Return on assets (ROA) | 2.0113% | 371 |
| Pretax return on assets | 3.2584% | 116 |
| Return on Equity (ROE) | 15.9451% | 729 |
| Retained earnings to average equity (ytd only) | 15.9451% | 347 |
| Net charge-offs to loans | 0.2216% | 3,603 |
| Credit loss provision to net charge-offs | 270.9677% | 1,464 |
| Earnings coverage of net charge-offs (x) | 31.8710% | 839 |
| Efficiency ratio | 54.7204% | 6,913 |
| Assets per employee ($millions) | 1.3318% | 7,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8696% | 922 |
| Loan loss allowance to noncurrent loans | 54.4925% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.8380% | 2,552 |
| Noncurrent loans to loans | 5.2660% | 1,348 |
| Net loans and leases to total assets | 48.6579% | 6,609 |
| Net loans and leases to deposits | 56.3377% | 6,748 |
| Net loans and leases to core deposits | 56.4903% | 6,965 |
| Total domestic deposits to total assets | 86.3684% | 2,953 |
| Equity capital to assets | 12.9178% | 1,557 |
| Core capital (leverage) ratio | 12.5539% | 1,389 |
| Tier 1 risk-based capital ratio | 25.4901% | 815 |
| Total risk-based capital ratio | 26.7589% | 792 |
| Memoranda: | ||
| Average total assets | $110,975,500 | 4,850 |
| Average earning assets | $100,286,000 | 4,871 |
| Average equity | $13,998,000 | 4,244 |
| Average total loans | $55,957,500 | 5,425 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3971% | 835 |
| Cost of funding earning assets | 1.2890% | 6,345 |
| Net interest margin | 5.1081% | 355 |
| Noninterest income to average assets | 1.7801% | 464 |
| Noninterest expense to average assets | 4.7681% | 623 |
| Loan and lease loss provision to assets | 0.2720% | 5,233 |
| Net operating income to assets | 0.8855% | 2,227 |
| Return on assets (ROA) | 0.8855% | 2,295 |
| Pretax return on assets | 1.4138% | 1,396 |
| Return on Equity (ROE) | 7.2865% | 2,672 |
| Retained earnings to average equity (ytd only) | 7.2865% | 878 |
| Net charge-offs to loans | 0.2007% | 5,390 |
| Credit loss provision to net charge-offs | 275.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 17.0463% | 1,213 |
| Efficiency ratio | 73.8791% | 3,922 |
| Assets per employee ($millions) | 1.2806% | 7,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7166% | 1,001 |
| Loan loss allowance to noncurrent loans | 50.5097% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 2.8910% | 2,426 |
| Noncurrent loans to loans | 5.3784% | 1,216 |
| Net loans and leases to total assets | 49.3699% | 6,698 |
| Net loans and leases to deposits | 56.5784% | 6,888 |
| Net loans and leases to core deposits | 67.8454% | 6,885 |
| Total domestic deposits to total assets | 87.2592% | 2,353 |
| Equity capital to assets | 12.3117% | 1,846 |
| Core capital (leverage) ratio | 12.0389% | 1,650 |
| Tier 1 risk-based capital ratio | 24.1797% | 933 |
| Total risk-based capital ratio | 25.4481% | 906 |
| Memoranda: | ||
| Average total assets | $109,206,000 | 4,842 |
| Average earning assets | $99,920,000 | 4,847 |
| Average equity | $13,271,200 | 4,441 |
| Average total loans | $53,822,600 | 5,515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4259% | 880 |
| Cost of funding earning assets | 1.3362% | 6,446 |
| Net interest margin | 5.0897% | 373 |
| Noninterest income to average assets | 1.7940% | 454 |
| Noninterest expense to average assets | 4.5759% | 675 |
| Loan and lease loss provision to assets | 0.2687% | 4,813 |
| Net operating income to assets | 1.0173% | 1,998 |
| Return on assets (ROA) | 1.0173% | 2,069 |
| Pretax return on assets | 1.6235% | 1,128 |
| Return on Equity (ROE) | 8.3992% | 2,486 |
| Retained earnings to average equity (ytd only) | 8.3992% | 1,009 |
| Net charge-offs to loans | 0.2183% | 4,668 |
| Credit loss provision to net charge-offs | 251.7241% | 1,706 |
| Earnings coverage of net charge-offs (x) | 17.7237% | 1,387 |
| Efficiency ratio | 70.7456% | 4,462 |
| Assets per employee ($millions) | 1.3562% | 8,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7135% | 866 |
| Loan loss allowance to noncurrent loans | 71.0716% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.0148% | 3,322 |
| Noncurrent loans to loans | 3.8180% | 1,946 |
| Net loans and leases to total assets | 47.1070% | 7,026 |
| Net loans and leases to deposits | 53.9633% | 7,218 |
| Net loans and leases to core deposits | 65.5508% | 7,179 |
| Total domestic deposits to total assets | 87.2945% | 2,021 |
| Equity capital to assets | 12.0650% | 2,209 |
| Core capital (leverage) ratio | 12.3190% | 1,657 |
| Tier 1 risk-based capital ratio | 24.9087% | 910 |
| Total risk-based capital ratio | 26.1772% | 883 |
| Memoranda: | ||
| Average total assets | $108,654,000 | 4,890 |
| Average earning assets | $99,780,750 | 4,871 |
| Average equity | $13,159,750 | 4,498 |
| Average total loans | $53,143,000 | 5,587 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4991% | 825 |
| Cost of funding earning assets | 1.3762% | 6,559 |
| Net interest margin | 5.1228% | 344 |
| Noninterest income to average assets | 1.7345% | 488 |
| Noninterest expense to average assets | 4.6521% | 667 |
| Loan and lease loss provision to assets | 0.2366% | 4,697 |
| Net operating income to assets | 0.9707% | 2,205 |
| Return on assets (ROA) | 0.9707% | 2,300 |
| Pretax return on assets | 1.5407% | 1,350 |
| Return on Equity (ROE) | 8.0035% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.0035% | 1,204 |
| Net charge-offs to loans | 0.1746% | 4,489 |
| Credit loss provision to net charge-offs | 276.0870% | 1,694 |
| Earnings coverage of net charge-offs (x) | 20.7391% | 1,298 |
| Efficiency ratio | 72.3558% | 4,337 |
| Assets per employee ($millions) | 1.2740% | 8,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6506% | 784 |
| Loan loss allowance to noncurrent loans | 71.3643% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.9273% | 3,306 |
| Noncurrent loans to loans | 3.7142% | 1,871 |
| Net loans and leases to total assets | 48.4338% | 6,999 |
| Net loans and leases to deposits | 55.5212% | 7,189 |
| Net loans and leases to core deposits | 66.6612% | 7,181 |
| Total domestic deposits to total assets | 87.2347% | 2,134 |
| Equity capital to assets | 12.2472% | 2,058 |
| Core capital (leverage) ratio | 12.2546% | 1,717 |
| Tier 1 risk-based capital ratio | 24.9262% | 946 |
| Total risk-based capital ratio | 26.1932% | 927 |
| Memoranda: | ||
| Average total assets | $107,350,330 | 4,955 |
| Average earning assets | $98,383,330 | 4,943 |
| Average equity | $13,019,330 | 4,530 |
| Average total loans | $52,689,000 | 5,649 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6202% | 687 |
| Cost of funding earning assets | 1.4484% | 6,579 |
| Net interest margin | 5.1718% | 294 |
| Noninterest income to average assets | 1.5793% | 554 |
| Noninterest expense to average assets | 4.3113% | 845 |
| Loan and lease loss provision to assets | 0.2245% | 4,209 |
| Net operating income to assets | 1.1676% | 1,748 |
| Return on assets (ROA) | 1.1676% | 1,860 |
| Pretax return on assets | 1.7739% | 1,032 |
| Return on Equity (ROE) | 9.6759% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.6759% | 1,289 |
| Net charge-offs to loans | 0.0077% | 5,561 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 534.0000% | 51 |
| Efficiency ratio | 68.3274% | 4,903 |
| Assets per employee ($millions) | 1.2527% | 8,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6968% | 628 |
| Loan loss allowance to noncurrent loans | 78.5914% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 3,370 |
| Noncurrent loans to loans | 3.4315% | 1,864 |
| Net loans and leases to total assets | 47.0873% | 7,097 |
| Net loans and leases to deposits | 54.7309% | 7,237 |
| Net loans and leases to core deposits | 65.4737% | 7,256 |
| Total domestic deposits to total assets | 86.0341% | 2,700 |
| Equity capital to assets | 12.1197% | 2,187 |
| Core capital (leverage) ratio | 12.2581% | 1,781 |
| Tier 1 risk-based capital ratio | 25.2819% | 955 |
| Total risk-based capital ratio | 26.5507% | 923 |
| Memoranda: | ||
| Average total assets | $106,882,500 | 4,986 |
| Average earning assets | $97,761,000 | 4,977 |
| Average equity | $12,898,000 | 4,606 |
| Average total loans | $52,096,000 | 5,711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3179% | 574 |
| Cost of funding earning assets | 2.1509% | 5,826 |
| Net interest margin | 5.1669% | 360 |
| Noninterest income to average assets | 2.1061% | 317 |
| Noninterest expense to average assets | 4.9808% | 630 |
| Loan and lease loss provision to assets | 0.3891% | 3,354 |
| Net operating income to assets | 0.9091% | 2,960 |
| Return on assets (ROA) | 0.9091% | 2,811 |
| Pretax return on assets | 1.4532% | 1,812 |
| Return on Equity (ROE) | 7.6417% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.6417% | 951 |
| Net charge-offs to loans | 0.1412% | 4,808 |
| Credit loss provision to net charge-offs | 538.6667% | 813 |
| Earnings coverage of net charge-offs (x) | 25.5067% | 1,327 |
| Efficiency ratio | 72.9993% | 3,750 |
| Assets per employee ($millions) | 1.2474% | 8,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5875% | 621 |
| Loan loss allowance to noncurrent loans | 68.9355% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.8844% | 2,612 |
| Noncurrent loans to loans | 3.7536% | 1,331 |
| Net loans and leases to total assets | 47.8256% | 7,204 |
| Net loans and leases to deposits | 55.1004% | 7,377 |
| Net loans and leases to core deposits | 66.1078% | 7,357 |
| Total domestic deposits to total assets | 86.7973% | 2,036 |
| Equity capital to assets | 12.0144% | 2,282 |
| Core capital (leverage) ratio | 12.0793% | 1,926 |
| Tier 1 risk-based capital ratio | 21.5736% | 1,380 |
| Total risk-based capital ratio | 22.8370% | 1,339 |
| Memoranda: | ||
| Average total assets | $103,839,600 | 4,938 |
| Average earning assets | $94,795,600 | 4,954 |
| Average equity | $12,353,200 | 4,737 |
| Average total loans | $53,116,400 | 5,573 |