Home > O'Bannon Banking Company > Performance and Condition Ratios
O'Bannon Banking Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1413% | 1,003 |
| Cost of funding earning assets | 2.2504% | 1,315 |
| Net interest margin | 3.8909% | 1,482 |
| Noninterest income to average assets | 0.2000% | 3,558 |
| Noninterest expense to average assets | 2.5859% | 2,058 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.9475% | 2,427 |
| Return on assets (ROA) | 0.9475% | 2,427 |
| Pretax return on assets | 1.2268% | 2,171 |
| Return on Equity (ROE) | 11.5100% | 1,877 |
| Retained earnings to average equity (ytd only) | 2.1067% | 3,298 |
| Net charge-offs to loans | -0.0168% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 66.3948% | 2,199 |
| Assets per employee ($millions) | 5.0815% | 3,610 |
| Cash dividends to net income (ytd only)* | 81.7039% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 2,920 |
| Loan loss allowance to noncurrent loans | 80.8345% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 794 |
| Noncurrent loans to loans | 1.3110% | 788 |
| Net loans and leases to total assets | 68.8600% | 1,971 |
| Net loans and leases to deposits | 76.2858% | 2,383 |
| Net loans and leases to core deposits | 82.8645% | 2,528 |
| Total domestic deposits to total assets | 90.2600% | 737 |
| Equity capital to assets | 8.1062% | 3,533 |
| Core capital (leverage) ratio | 9.1292% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $302,253,500 | 2,469 |
| Average earning assets | $287,233,500 | 2,436 |
| Average equity | $24,873,000 | 2,694 |
| Average total loans | $214,853,500 | 2,315 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2153% | 1,008 |
| Cost of funding earning assets | 2.2298% | 1,674 |
| Net interest margin | 3.9856% | 1,206 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 2.5102% | 2,277 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.0734% | 1,830 |
| Return on assets (ROA) | 1.0734% | 1,837 |
| Pretax return on assets | 1.3909% | 1,536 |
| Return on Equity (ROE) | 13.0900% | 1,335 |
| Retained earnings to average equity (ytd only) | 8.6224% | 914 |
| Net charge-offs to loans | 0.0207% | 2,191 |
| Credit loss provision to net charge-offs | 654.5455% | 521 |
| Earnings coverage of net charge-offs (x) | 97.9091% | 816 |
| Efficiency ratio | 62.6560% | 2,868 |
| Assets per employee ($millions) | 5.0782% | 3,581 |
| Cash dividends to net income (ytd only)* | 34.1313% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 2,938 |
| Loan loss allowance to noncurrent loans | 523.7209% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,731 |
| Noncurrent loans to loans | 0.2009% | 2,716 |
| Net loans and leases to total assets | 71.8900% | 1,680 |
| Net loans and leases to deposits | 79.9546% | 2,143 |
| Net loans and leases to core deposits | 86.2854% | 2,371 |
| Total domestic deposits to total assets | 89.9100% | 848 |
| Equity capital to assets | 8.3587% | 3,306 |
| Core capital (leverage) ratio | 9.4829% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $287,950,800 | 2,517 |
| Average earning assets | $272,583,800 | 2,490 |
| Average equity | $23,613,000 | 2,721 |
| Average total loans | $212,387,600 | 2,282 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1558% | 1,048 |
| Cost of funding earning assets | 2.2005% | 1,732 |
| Net interest margin | 3.9553% | 1,216 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 2.5129% | 2,213 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 1.0199% | 1,986 |
| Return on assets (ROA) | 1.0199% | 1,989 |
| Pretax return on assets | 1.3226% | 1,708 |
| Return on Equity (ROE) | 12.5000% | 1,484 |
| Retained earnings to average equity (ytd only) | 6.4777% | 1,922 |
| Net charge-offs to loans | 0.0157% | 2,087 |
| Credit loss provision to net charge-offs | 1,204.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 126.9600% | 682 |
| Efficiency ratio | 62.9638% | 2,818 |
| Assets per employee ($millions) | 5.2130% | 3,507 |
| Cash dividends to net income (ytd only)* | 48.1735% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 2,973 |
| Loan loss allowance to noncurrent loans | 407.6786% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 2,506 |
| Noncurrent loans to loans | 0.2591% | 2,513 |
| Net loans and leases to total assets | 73.2500% | 1,468 |
| Net loans and leases to deposits | 82.1861% | 1,971 |
| Net loans and leases to core deposits | 88.2097% | 2,277 |
| Total domestic deposits to total assets | 89.1300% | 862 |
| Equity capital to assets | 8.4072% | 3,458 |
| Core capital (leverage) ratio | 9.1777% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $286,305,250 | 2,516 |
| Average earning assets | $270,719,000 | 2,494 |
| Average equity | $23,361,500 | 2,731 |
| Average total loans | $211,987,750 | 2,281 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0415% | 1,108 |
| Cost of funding earning assets | 2.1188% | 1,835 |
| Net interest margin | 3.9227% | 1,228 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 2.5279% | 2,167 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.9950% | 2,010 |
| Return on assets (ROA) | 0.9950% | 2,015 |
| Pretax return on assets | 1.2868% | 1,734 |
| Return on Equity (ROE) | 12.3200% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.6629% | 1,468 |
| Net charge-offs to loans | 0.0190% | 1,779 |
| Credit loss provision to net charge-offs | 645.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 98.8000% | 776 |
| Efficiency ratio | 64.5306% | 2,701 |
| Assets per employee ($millions) | 5.2210% | 3,439 |
| Cash dividends to net income (ytd only)* | 37.8092% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,209 |
| Loan loss allowance to noncurrent loans | 375.1773% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,443 |
| Noncurrent loans to loans | 0.2704% | 2,402 |
| Net loans and leases to total assets | 70.6200% | 1,828 |
| Net loans and leases to deposits | 79.0826% | 2,276 |
| Net loans and leases to core deposits | 84.5120% | 2,493 |
| Total domestic deposits to total assets | 89.3000% | 913 |
| Equity capital to assets | 8.0236% | 3,410 |
| Core capital (leverage) ratio | 9.3351% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $284,430,667 | 2,526 |
| Average earning assets | $268,542,333 | 2,505 |
| Average equity | $22,967,667 | 2,718 |
| Average total loans | $210,607,667 | 2,278 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9966% | 1,061 |
| Cost of funding earning assets | 2.0417% | 1,895 |
| Net interest margin | 3.9549% | 1,142 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 2.5030% | 2,238 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.0340% | 1,845 |
| Return on assets (ROA) | 1.0340% | 1,849 |
| Pretax return on assets | 1.3449% | 1,542 |
| Return on Equity (ROE) | 12.7600% | 1,391 |
| Retained earnings to average equity (ytd only) | 3.3448% | 2,884 |
| Net charge-offs to loans | 0.0132% | 1,617 |
| Credit loss provision to net charge-offs | 1,100.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 142.1429% | 540 |
| Efficiency ratio | 63.8182% | 2,841 |
| Assets per employee ($millions) | 5.2224% | 3,485 |
| Cash dividends to net income (ytd only)* | 73.7931% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 3,382 |
| Loan loss allowance to noncurrent loans | 240.6721% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 1,891 |
| Noncurrent loans to loans | 0.4081% | 1,915 |
| Net loans and leases to total assets | 74.2500% | 1,305 |
| Net loans and leases to deposits | 83.2034% | 1,780 |
| Net loans and leases to core deposits | 88.5474% | 2,132 |
| Total domestic deposits to total assets | 89.2400% | 1,041 |
| Equity capital to assets | 8.0546% | 3,334 |
| Core capital (leverage) ratio | 9.1816% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $280,458,000 | 2,554 |
| Average earning assets | $264,883,500 | 2,524 |
| Average equity | $22,722,000 | 2,750 |
| Average total loans | $211,611,500 | 2,268 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0330% | 16 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 63,200.0000% | 21 |
| Cost of funding earning assets | 203.0000% | 18 |
| Net interest margin | 9.0000% | 29 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.9126% | 2,475 |
| Pretax return on assets | 1.1594% | 2,243 |
| Return on Equity (ROE) | 11.5000% | 2,093 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0164% | 2,048 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 8.4305% | 2,343 |
| Efficiency ratio | 3.3703% | 4,572 |
| Assets per employee ($millions) | 0.5076% | 4,515 |
| Cash dividends to net income (ytd only)* | 200.0000% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 494 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 10,144.0000% | 14 |
| Total domestic deposits to total assets | 32.0000% | 4,489 |
| Equity capital to assets | 11,280.0000% | 33 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $10,900,000 | 4,563 |
| Average earning assets | $8,074 | 4,557 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 1,466 |
| Cost of funding earning assets | 1.3004% | 2,144 |
| Net interest margin | 3.8927% | 1,418 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6548% | 1,784 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8903% | 2,719 |
| Return on assets (ROA) | 0.8903% | 2,702 |
| Pretax return on assets | 1.1458% | 2,438 |
| Return on Equity (ROE) | 11.3000% | 2,301 |
| Retained earnings to average equity (ytd only) | 4.4942% | 3,109 |
| Net charge-offs to loans | 0.0020% | 2,497 |
| Credit loss provision to net charge-offs | 4,600.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 807.0000% | 197 |
| Efficiency ratio | 68.6399% | 1,944 |
| Assets per employee ($millions) | 4.9959% | 3,610 |
| Cash dividends to net income (ytd only)* | 60.2138% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,467 |
| Loan loss allowance to noncurrent loans | 302.0772% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 2,027 |
| Noncurrent loans to loans | 0.3243% | 2,072 |
| Net loans and leases to total assets | 74.9000% | 1,248 |
| Net loans and leases to deposits | 85.7122% | 1,602 |
| Net loans and leases to core deposits | 90.6385% | 1,887 |
| Total domestic deposits to total assets | 87.3800% | 1,771 |
| Equity capital to assets | 7.5535% | 3,325 |
| Core capital (leverage) ratio | 9.2456% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $266,128,250 | 2,599 |
| Average earning assets | $250,068,250 | 2,576 |
| Average equity | $20,974,500 | 2,763 |
| Average total loans | $198,293,000 | 2,299 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 1,595 |
| Cost of funding earning assets | 1.0662% | 2,394 |
| Net interest margin | 3.9149% | 1,396 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.6834% | 1,678 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8942% | 2,770 |
| Return on assets (ROA) | 0.8942% | 2,758 |
| Pretax return on assets | 1.1510% | 2,507 |
| Return on Equity (ROE) | 11.1800% | 2,377 |
| Retained earnings to average equity (ytd only) | 5.9579% | 2,637 |
| Net charge-offs to loans | -0.0031% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.7160% | 1,893 |
| Assets per employee ($millions) | 5.0180% | 3,587 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 3,441 |
| Loan loss allowance to noncurrent loans | 287.8084% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 1,930 |
| Noncurrent loans to loans | 0.3457% | 1,895 |
| Net loans and leases to total assets | 72.8200% | 1,432 |
| Net loans and leases to deposits | 82.5995% | 1,791 |
| Net loans and leases to core deposits | 86.2308% | 2,057 |
| Total domestic deposits to total assets | 88.1600% | 1,547 |
| Equity capital to assets | 7.9385% | 3,254 |
| Core capital (leverage) ratio | 9.4255% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $263,246,333 | 2,617 |
| Average earning assets | $247,413,000 | 2,600 |
| Average equity | $21,047,667 | 2,767 |
| Average total loans | $195,111,667 | 2,319 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 1,581 |
| Cost of funding earning assets | 0.8803% | 2,435 |
| Net interest margin | 3.9392% | 1,388 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.6541% | 1,798 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.8914% | 2,887 |
| Return on assets (ROA) | 0.8914% | 2,837 |
| Pretax return on assets | 1.1474% | 2,583 |
| Return on Equity (ROE) | 11.1100% | 2,463 |
| Retained earnings to average equity (ytd only) | 0.9228% | 3,879 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3845% | 2,050 |
| Assets per employee ($millions) | 4.6155% | 3,950 |
| Cash dividends to net income (ytd only)* | 91.6955% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,448 |
| Loan loss allowance to noncurrent loans | 251.0801% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 1,668 |
| Noncurrent loans to loans | 0.4054% | 1,716 |
| Net loans and leases to total assets | 73.0400% | 1,317 |
| Net loans and leases to deposits | 80.7150% | 1,766 |
| Net loans and leases to core deposits | 84.4675% | 1,956 |
| Total domestic deposits to total assets | 90.5000% | 981 |
| Equity capital to assets | 7.9738% | 3,259 |
| Core capital (leverage) ratio | 9.3022% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $259,373,500 | 2,673 |
| Average earning assets | $244,011,500 | 2,651 |
| Average equity | $20,805,500 | 2,816 |
| Average total loans | $193,012,500 | 2,357 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 1,258 |
| Cost of funding earning assets | 0.4598% | 1,651 |
| Net interest margin | 3.7355% | 1,295 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.4407% | 2,303 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9318% | 2,838 |
| Return on assets (ROA) | 0.9220% | 2,823 |
| Pretax return on assets | 1.1941% | 2,458 |
| Return on Equity (ROE) | 11.7900% | 2,221 |
| Retained earnings to average equity (ytd only) | 6.8410% | 2,307 |
| Net charge-offs to loans | 0.2917% | 262 |
| Credit loss provision to net charge-offs | 54.0780% | 1,802 |
| Earnings coverage of net charge-offs (x) | 6.2340% | 2,343 |
| Efficiency ratio | 64.8821% | 2,377 |
| Assets per employee ($millions) | 4.7345% | 3,866 |
| Cash dividends to net income (ytd only)* | 41.9723% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,097 |
| Loan loss allowance to noncurrent loans | 203.7223% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 1,314 |
| Noncurrent loans to loans | 0.5180% | 1,408 |
| Net loans and leases to total assets | 74.2600% | 1,193 |
| Net loans and leases to deposits | 83.1062% | 1,533 |
| Net loans and leases to core deposits | 85.6755% | 1,776 |
| Total domestic deposits to total assets | 89.3600% | 1,619 |
| Equity capital to assets | 8.0705% | 3,019 |
| Core capital (leverage) ratio | 9.4996% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $266,151,600 | 2,631 |
| Average earning assets | $252,043,000 | 2,599 |
| Average equity | $20,815,600 | 2,876 |
| Average total loans | $193,354,200 | 2,285 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 1,086 |
| Cost of funding earning assets | 0.4174% | 1,174 |
| Net interest margin | 3.6728% | 1,211 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.3687% | 2,420 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9381% | 2,720 |
| Return on assets (ROA) | 0.9252% | 2,743 |
| Pretax return on assets | 1.1945% | 2,389 |
| Return on Equity (ROE) | 11.9200% | 2,061 |
| Retained earnings to average equity (ytd only) | 5.4006% | 2,954 |
| Net charge-offs to loans | 0.1335% | 487 |
| Credit loss provision to net charge-offs | 141.2371% | 1,149 |
| Earnings coverage of net charge-offs (x) | 13.9948% | 1,871 |
| Efficiency ratio | 63.7517% | 2,586 |
| Assets per employee ($millions) | 4.7543% | 3,874 |
| Cash dividends to net income (ytd only)* | 54.6917% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,329 |
| Loan loss allowance to noncurrent loans | 169.2198% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 1,011 |
| Noncurrent loans to loans | 0.7320% | 1,114 |
| Net loans and leases to total assets | 72.0800% | 1,291 |
| Net loans and leases to deposits | 78.9316% | 1,640 |
| Net loans and leases to core deposits | 81.2223% | 1,814 |
| Total domestic deposits to total assets | 91.3200% | 1,112 |
| Equity capital to assets | 7.3993% | 3,269 |
| Core capital (leverage) ratio | 8.9045% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6158% | 2,211 |
| Memoranda: | ||
| Average total assets | $268,774,250 | 2,632 |
| Average earning assets | $254,879,000 | 2,603 |
| Average equity | $20,861,250 | 2,917 |
| Average total loans | $193,722,250 | 2,275 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 962 |
| Cost of funding earning assets | 0.4135% | 842 |
| Net interest margin | 3.5666% | 1,142 |
| Noninterest income to average assets | 0.2308% | 3,799 |
| Noninterest expense to average assets | 2.2942% | 2,569 |
| Loan and lease loss provision to assets | 0.1276% | 764 |
| Net operating income to assets | 0.9248% | 2,467 |
| Return on assets (ROA) | 0.9248% | 2,440 |
| Pretax return on assets | 1.1991% | 2,078 |
| Return on Equity (ROE) | 11.7385% | 1,747 |
| Retained earnings to average equity (ytd only) | 7.0581% | 1,971 |
| Net charge-offs to loans | 0.0144% | 1,479 |
| Credit loss provision to net charge-offs | 1,235.7143% | 350 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 709 |
| Efficiency ratio | 63.3605% | 2,855 |
| Assets per employee ($millions) | 4.4925% | 4,071 |
| Cash dividends to net income (ytd only)* | 39.8724% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,281 |
| Loan loss allowance to noncurrent loans | 217.5423% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 1,358 |
| Noncurrent loans to loans | 0.5882% | 1,441 |
| Net loans and leases to total assets | 69.9297% | 1,305 |
| Net loans and leases to deposits | 76.6853% | 1,635 |
| Net loans and leases to core deposits | 79.2694% | 1,762 |
| Total domestic deposits to total assets | 91.1904% | 1,148 |
| Equity capital to assets | 7.5949% | 3,412 |
| Core capital (leverage) ratio | 8.7458% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5987% | 2,252 |
| Memoranda: | ||
| Average total assets | $271,204,333 | 2,638 |
| Average earning assets | $257,782,667 | 2,613 |
| Average equity | $21,365,667 | 2,952 |
| Average total loans | $194,679,333 | 2,268 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 856 |
| Cost of funding earning assets | 0.4272% | 740 |
| Net interest margin | 3.5183% | 1,056 |
| Noninterest income to average assets | 0.2264% | 3,798 |
| Noninterest expense to average assets | 2.2247% | 2,760 |
| Loan and lease loss provision to assets | 0.1029% | 807 |
| Net operating income to assets | 0.9558% | 2,051 |
| Return on assets (ROA) | 0.9558% | 2,047 |
| Pretax return on assets | 1.2410% | 1,680 |
| Return on Equity (ROE) | 11.9198% | 1,336 |
| Retained earnings to average equity (ytd only) | 2.7507% | 3,350 |
| Net charge-offs to loans | -0.0061% | 3,406 |
| Credit loss provision to net charge-offs | -2,333.3333% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3403% | 3,223 |
| Assets per employee ($millions) | 5.1552% | 3,621 |
| Cash dividends to net income (ytd only)* | 76.9231% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,851 |
| Loan loss allowance to noncurrent loans | 486.9835% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 2,561 |
| Noncurrent loans to loans | 0.2467% | 2,610 |
| Net loans and leases to total assets | 70.9320% | 930 |
| Net loans and leases to deposits | 77.8053% | 1,302 |
| Net loans and leases to core deposits | 80.5615% | 1,447 |
| Total domestic deposits to total assets | 91.1660% | 948 |
| Equity capital to assets | 7.6603% | 3,822 |
| Core capital (leverage) ratio | 8.3773% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0445% | 2,592 |
| Memoranda: | ||
| Average total assets | $272,032,500 | 2,646 |
| Average earning assets | $258,422,500 | 2,616 |
| Average equity | $21,812,500 | 2,999 |
| Average total loans | $196,550,500 | 2,252 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 619 |
| Cost of funding earning assets | 0.5431% | 741 |
| Net interest margin | 3.9363% | 807 |
| Noninterest income to average assets | 0.2591% | 3,826 |
| Noninterest expense to average assets | 2.3834% | 2,538 |
| Loan and lease loss provision to assets | 0.1209% | 1,023 |
| Net operating income to assets | 1.1491% | 2,115 |
| Return on assets (ROA) | 1.1457% | 2,179 |
| Pretax return on assets | 1.4759% | 1,800 |
| Return on Equity (ROE) | 13.6835% | 1,271 |
| Retained earnings to average equity (ytd only) | 9.0440% | 1,186 |
| Net charge-offs to loans | -0.0512% | 4,335 |
| Credit loss provision to net charge-offs | -322.6804% | 3,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8178% | 3,181 |
| Assets per employee ($millions) | 4.5140% | 4,106 |
| Cash dividends to net income (ytd only)* | 33.9063% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,083 |
| Loan loss allowance to noncurrent loans | 519.0909% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,803 |
| Noncurrent loans to loans | 0.2234% | 2,843 |
| Net loans and leases to total assets | 71.8713% | 852 |
| Net loans and leases to deposits | 79.8191% | 1,234 |
| Net loans and leases to core deposits | 82.9197% | 1,388 |
| Total domestic deposits to total assets | 90.0427% | 939 |
| Equity capital to assets | 8.3796% | 4,127 |
| Core capital (leverage) ratio | 8.5952% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9946% | 2,633 |
| Memoranda: | ||
| Average total assets | $258,959,600 | 2,666 |
| Average earning assets | $245,077,800 | 2,650 |
| Average equity | $21,683,000 | 3,083 |
| Average total loans | $189,327,200 | 2,310 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 772 |
| Cost of funding earning assets | 0.5657% | 764 |
| Net interest margin | 3.8649% | 995 |
| Noninterest income to average assets | 0.2656% | 3,815 |
| Noninterest expense to average assets | 2.4256% | 2,355 |
| Loan and lease loss provision to assets | 0.1156% | 1,038 |
| Net operating income to assets | 1.0615% | 2,683 |
| Return on assets (ROA) | 1.0615% | 2,752 |
| Pretax return on assets | 1.3792% | 2,408 |
| Return on Equity (ROE) | 12.6797% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.7069% | 2,536 |
| Net charge-offs to loans | -0.0448% | 4,301 |
| Credit loss provision to net charge-offs | -352.3810% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8706% | 2,720 |
| Assets per employee ($millions) | 4.5811% | 4,061 |
| Cash dividends to net income (ytd only)* | 47.1050% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,448 |
| Loan loss allowance to noncurrent loans | 535.7320% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 3,097 |
| Noncurrent loans to loans | 0.2051% | 3,132 |
| Net loans and leases to total assets | 73.1448% | 761 |
| Net loans and leases to deposits | 81.3078% | 1,164 |
| Net loans and leases to core deposits | 84.5529% | 1,384 |
| Total domestic deposits to total assets | 89.9603% | 788 |
| Equity capital to assets | 8.2787% | 4,365 |
| Core capital (leverage) ratio | 8.3877% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5364% | 2,846 |
| Memoranda: | ||
| Average total assets | $255,990,250 | 2,706 |
| Average earning assets | $242,068,750 | 2,684 |
| Average equity | $21,430,000 | 3,133 |
| Average total loans | $187,424,500 | 2,360 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 1,033 |
| Cost of funding earning assets | 0.5882% | 789 |
| Net interest margin | 3.6954% | 1,359 |
| Noninterest income to average assets | 0.2714% | 3,777 |
| Noninterest expense to average assets | 2.4720% | 2,233 |
| Loan and lease loss provision to assets | 0.1084% | 1,160 |
| Net operating income to assets | 0.9147% | 3,178 |
| Return on assets (ROA) | 0.9147% | 3,257 |
| Pretax return on assets | 1.1861% | 2,949 |
| Return on Equity (ROE) | 10.8846% | 2,463 |
| Retained earnings to average equity (ytd only) | 6.3650% | 2,670 |
| Net charge-offs to loans | -0.0781% | 4,542 |
| Credit loss provision to net charge-offs | -190.2778% | 3,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6303% | 2,205 |
| Assets per employee ($millions) | 4.4373% | 4,148 |
| Cash dividends to net income (ytd only)* | 41.5225% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,321 |
| Loan loss allowance to noncurrent loans | 493.6019% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 3,184 |
| Noncurrent loans to loans | 0.2273% | 3,151 |
| Net loans and leases to total assets | 70.1086% | 1,183 |
| Net loans and leases to deposits | 77.8852% | 1,641 |
| Net loans and leases to core deposits | 80.9106% | 1,812 |
| Total domestic deposits to total assets | 90.0153% | 769 |
| Equity capital to assets | 8.2498% | 4,396 |
| Core capital (leverage) ratio | 8.3773% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0714% | 2,698 |
| Memoranda: | ||
| Average total assets | $252,751,667 | 2,724 |
| Average earning assets | $239,051,000 | 2,696 |
| Average equity | $21,241,000 | 3,151 |
| Average total loans | $184,396,333 | 2,401 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 1,035 |
| Cost of funding earning assets | 0.6200% | 798 |
| Net interest margin | 3.6810% | 1,377 |
| Noninterest income to average assets | 0.2788% | 3,735 |
| Noninterest expense to average assets | 2.4913% | 2,199 |
| Loan and lease loss provision to assets | 0.1450% | 913 |
| Net operating income to assets | 0.8734% | 3,199 |
| Return on assets (ROA) | 0.8734% | 3,282 |
| Pretax return on assets | 1.1248% | 3,050 |
| Return on Equity (ROE) | 10.2932% | 2,598 |
| Retained earnings to average equity (ytd only) | 1.1774% | 4,189 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2382% | 2,192 |
| Assets per employee ($millions) | 4.2759% | 4,289 |
| Cash dividends to net income (ytd only)* | 88.5609% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,583 |
| Loan loss allowance to noncurrent loans | 339.2055% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,998 |
| Noncurrent loans to loans | 0.3151% | 2,973 |
| Net loans and leases to total assets | 72.0621% | 1,016 |
| Net loans and leases to deposits | 80.1586% | 1,506 |
| Net loans and leases to core deposits | 83.3195% | 1,733 |
| Total domestic deposits to total assets | 89.8994% | 869 |
| Equity capital to assets | 8.2935% | 4,282 |
| Core capital (leverage) ratio | 8.3569% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,227,000 | 2,736 |
| Average earning assets | $234,826,500 | 2,704 |
| Average equity | $21,062,500 | 3,151 |
| Average total loans | $183,780,500 | 2,412 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 750 |
| Cost of funding earning assets | 0.9200% | 804 |
| Net interest margin | 3.8714% | 1,300 |
| Noninterest income to average assets | 0.2246% | 4,152 |
| Noninterest expense to average assets | 2.6500% | 2,385 |
| Loan and lease loss provision to assets | 0.1503% | 2,495 |
| Net operating income to assets | 0.8417% | 2,934 |
| Return on assets (ROA) | 0.8739% | 2,949 |
| Pretax return on assets | 1.1062% | 2,666 |
| Return on Equity (ROE) | 9.8783% | 2,049 |
| Retained earnings to average equity (ytd only) | 4.7134% | 2,409 |
| Net charge-offs to loans | 0.1455% | 1,117 |
| Credit loss provision to net charge-offs | 133.5878% | 2,527 |
| Earnings coverage of net charge-offs (x) | 10.8053% | 2,436 |
| Efficiency ratio | 68.5514% | 2,157 |
| Assets per employee ($millions) | 4.2099% | 4,207 |
| Cash dividends to net income (ytd only)* | 52.2850% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,798 |
| Loan loss allowance to noncurrent loans | 259.9168% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 2,815 |
| Noncurrent loans to loans | 0.3923% | 2,803 |
| Net loans and leases to total assets | 74.5062% | 956 |
| Net loans and leases to deposits | 83.6959% | 1,488 |
| Net loans and leases to core deposits | 87.6134% | 1,732 |
| Total domestic deposits to total assets | 89.0201% | 979 |
| Equity capital to assets | 8.6832% | 4,305 |
| Core capital (leverage) ratio | 8.7293% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,867,400 | 2,698 |
| Average earning assets | $219,016,000 | 2,679 |
| Average equity | $20,600,800 | 3,130 |
| Average total loans | $180,099,000 | 2,412 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 726 |
| Cost of funding earning assets | 0.9875% | 794 |
| Net interest margin | 3.9155% | 1,316 |
| Noninterest income to average assets | 0.2249% | 4,144 |
| Noninterest expense to average assets | 2.6447% | 2,402 |
| Loan and lease loss provision to assets | 0.1500% | 2,522 |
| Net operating income to assets | 0.8723% | 2,805 |
| Return on assets (ROA) | 0.8723% | 2,938 |
| Pretax return on assets | 1.1093% | 2,708 |
| Return on Equity (ROE) | 9.8121% | 2,084 |
| Retained earnings to average equity (ytd only) | 2.8752% | 3,566 |
| Net charge-offs to loans | 0.1965% | 777 |
| Credit loss provision to net charge-offs | 98.1061% | 2,648 |
| Earnings coverage of net charge-offs (x) | 8.2311% | 2,514 |
| Efficiency ratio | 67.7405% | 2,227 |
| Assets per employee ($millions) | 4.1633% | 4,177 |
| Cash dividends to net income (ytd only)* | 70.6977% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,786 |
| Loan loss allowance to noncurrent loans | 196.3616% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 2,622 |
| Noncurrent loans to loans | 0.4985% | 2,564 |
| Net loans and leases to total assets | 74.6130% | 1,293 |
| Net loans and leases to deposits | 84.7210% | 1,838 |
| Net loans and leases to core deposits | 89.9317% | 1,972 |
| Total domestic deposits to total assets | 88.0691% | 1,191 |
| Equity capital to assets | 8.5976% | 4,404 |
| Core capital (leverage) ratio | 8.4684% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,041,000 | 2,702 |
| Average earning assets | $216,158,500 | 2,691 |
| Average equity | $20,450,500 | 3,140 |
| Average total loans | $179,174,250 | 2,416 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 747 |
| Cost of funding earning assets | 1.0559% | 824 |
| Net interest margin | 4.0039% | 1,308 |
| Noninterest income to average assets | 0.2210% | 4,166 |
| Noninterest expense to average assets | 2.6645% | 2,480 |
| Loan and lease loss provision to assets | 0.1441% | 2,573 |
| Net operating income to assets | 0.9194% | 2,626 |
| Return on assets (ROA) | 0.9194% | 2,744 |
| Pretax return on assets | 1.1670% | 2,472 |
| Return on Equity (ROE) | 10.2226% | 1,916 |
| Retained earnings to average equity (ytd only) | 4.8754% | 2,534 |
| Net charge-offs to loans | 0.2693% | 590 |
| Credit loss provision to net charge-offs | 67.9167% | 2,562 |
| Earnings coverage of net charge-offs (x) | 6.1792% | 2,458 |
| Efficiency ratio | 67.0225% | 2,374 |
| Assets per employee ($millions) | 4.0104% | 4,302 |
| Cash dividends to net income (ytd only)* | 52.3077% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,744 |
| Loan loss allowance to noncurrent loans | 156.7890% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 2,466 |
| Noncurrent loans to loans | 0.6145% | 2,321 |
| Net loans and leases to total assets | 73.0048% | 1,555 |
| Net loans and leases to deposits | 82.1892% | 2,187 |
| Net loans and leases to core deposits | 88.4540% | 2,202 |
| Total domestic deposits to total assets | 88.8253% | 813 |
| Equity capital to assets | 8.6359% | 4,397 |
| Core capital (leverage) ratio | 8.6979% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,230,000 | 2,709 |
| Average earning assets | $212,145,667 | 2,697 |
| Average equity | $20,347,000 | 3,143 |
| Average total loans | $178,248,333 | 2,418 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 592 |
| Cost of funding earning assets | 1.1073% | 1,023 |
| Net interest margin | 4.1578% | 1,009 |
| Noninterest income to average assets | 0.2538% | 4,026 |
| Noninterest expense to average assets | 2.6809% | 2,755 |
| Loan and lease loss provision to assets | 0.1315% | 2,080 |
| Net operating income to assets | 1.0428% | 2,029 |
| Return on assets (ROA) | 1.0428% | 2,126 |
| Pretax return on assets | 1.3295% | 1,785 |
| Return on Equity (ROE) | 11.3460% | 1,308 |
| Retained earnings to average equity (ytd only) | 0.5365% | 3,863 |
| Net charge-offs to loans | 0.4992% | 289 |
| Credit loss provision to net charge-offs | 32.2870% | 2,143 |
| Earnings coverage of net charge-offs (x) | 3.5874% | 2,202 |
| Efficiency ratio | 64.7266% | 3,115 |
| Assets per employee ($millions) | 3.7497% | 4,227 |
| Cash dividends to net income (ytd only)* | 95.2715% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,047 |
| Loan loss allowance to noncurrent loans | 171.3836% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 2,691 |
| Noncurrent loans to loans | 0.5351% | 2,659 |
| Net loans and leases to total assets | 79.8423% | 714 |
| Net loans and leases to deposits | 91.1529% | 1,385 |
| Net loans and leases to core deposits | 99.3845% | 1,525 |
| Total domestic deposits to total assets | 87.5917% | 1,279 |
| Equity capital to assets | 9.1402% | 4,514 |
| Core capital (leverage) ratio | 9.0691% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,033,000 | 2,720 |
| Average earning assets | $204,822,000 | 2,703 |
| Average equity | $20,130,500 | 3,161 |
| Average total loans | $178,684,500 | 2,374 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2738% | 864 |
| Cost of funding earning assets | 1.1025% | 1,317 |
| Net interest margin | 4.1713% | 1,372 |
| Noninterest income to average assets | 0.2647% | 4,096 |
| Noninterest expense to average assets | 2.6799% | 2,942 |
| Loan and lease loss provision to assets | 0.0850% | 2,304 |
| Net operating income to assets | 1.1091% | 2,407 |
| Return on assets (ROA) | 1.1091% | 2,498 |
| Pretax return on assets | 1.3975% | 2,173 |
| Return on Equity (ROE) | 12.4858% | 1,332 |
| Retained earnings to average equity (ytd only) | 6.8808% | 1,435 |
| Net charge-offs to loans | 0.0046% | 3,511 |
| Credit loss provision to net charge-offs | 2,287.5000% | 173 |
| Earnings coverage of net charge-offs (x) | 399.0000% | 230 |
| Efficiency ratio | 64.3830% | 3,023 |
| Assets per employee ($millions) | 4.2517% | 3,578 |
| Cash dividends to net income (ytd only)* | 44.8911% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,536 |
| Loan loss allowance to noncurrent loans | 95.1518% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 1,450 |
| Noncurrent loans to loans | 1.0480% | 1,443 |
| Net loans and leases to total assets | 81.7728% | 579 |
| Net loans and leases to deposits | 94.6775% | 1,092 |
| Net loans and leases to core deposits | 103.5108% | 1,270 |
| Total domestic deposits to total assets | 86.3698% | 1,899 |
| Equity capital to assets | 9.2421% | 4,538 |
| Core capital (leverage) ratio | 9.2934% | 4,291 |
| Tier 1 risk-based capital ratio | 11.5308% | 4,611 |
| Total risk-based capital ratio | 12.5621% | 4,616 |
| Memoranda: | ||
| Average total assets | $215,310,200 | 2,704 |
| Average earning assets | $201,183,800 | 2,700 |
| Average equity | $19,125,800 | 3,211 |
| Average total loans | $174,897,800 | 2,370 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 944 |
| Cost of funding earning assets | 1.0878% | 1,396 |
| Net interest margin | 4.1644% | 1,465 |
| Noninterest income to average assets | 0.2649% | 4,158 |
| Noninterest expense to average assets | 2.6948% | 2,882 |
| Loan and lease loss provision to assets | 0.0782% | 2,341 |
| Net operating income to assets | 1.0428% | 2,807 |
| Return on assets (ROA) | 1.0428% | 2,897 |
| Pretax return on assets | 1.3821% | 2,372 |
| Return on Equity (ROE) | 11.8604% | 1,667 |
| Retained earnings to average equity (ytd only) | 4.2968% | 3,250 |
| Net charge-offs to loans | -0.0498% | 4,835 |
| Credit loss provision to net charge-offs | -193.8462% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8552% | 2,886 |
| Assets per employee ($millions) | 3.8964% | 4,035 |
| Cash dividends to net income (ytd only)* | 63.7716% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,449 |
| Loan loss allowance to noncurrent loans | 109.7442% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 1,795 |
| Noncurrent loans to loans | 0.9311% | 1,725 |
| Net loans and leases to total assets | 81.4478% | 636 |
| Net loans and leases to deposits | 95.5589% | 1,068 |
| Net loans and leases to core deposits | 103.5556% | 1,366 |
| Total domestic deposits to total assets | 85.2331% | 2,328 |
| Equity capital to assets | 9.0236% | 4,768 |
| Core capital (leverage) ratio | 8.9656% | 4,662 |
| Tier 1 risk-based capital ratio | 11.4473% | 4,692 |
| Total risk-based capital ratio | 12.5183% | 4,681 |
| Memoranda: | ||
| Average total assets | $214,929,000 | 2,728 |
| Average earning assets | $200,775,750 | 2,727 |
| Average equity | $18,897,250 | 3,260 |
| Average total loans | $173,847,750 | 2,411 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2086% | 967 |
| Cost of funding earning assets | 1.0565% | 1,467 |
| Net interest margin | 4.1521% | 1,487 |
| Noninterest income to average assets | 0.2445% | 4,287 |
| Noninterest expense to average assets | 2.7136% | 2,863 |
| Loan and lease loss provision to assets | 0.0772% | 2,267 |
| Net operating income to assets | 1.0105% | 2,879 |
| Return on assets (ROA) | 1.0105% | 2,956 |
| Pretax return on assets | 1.3303% | 2,441 |
| Return on Equity (ROE) | 11.5945% | 1,745 |
| Retained earnings to average equity (ytd only) | 5.9626% | 2,297 |
| Net charge-offs to loans | -0.0532% | 4,837 |
| Credit loss provision to net charge-offs | -180.4348% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8471% | 2,825 |
| Assets per employee ($millions) | 3.9452% | 3,945 |
| Cash dividends to net income (ytd only)* | 48.5741% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,579 |
| Loan loss allowance to noncurrent loans | 160.3687% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 2,552 |
| Noncurrent loans to loans | 0.6280% | 2,375 |
| Net loans and leases to total assets | 78.8241% | 1,070 |
| Net loans and leases to deposits | 92.7815% | 1,406 |
| Net loans and leases to core deposits | 100.0023% | 1,724 |
| Total domestic deposits to total assets | 84.9567% | 2,495 |
| Equity capital to assets | 8.8595% | 4,873 |
| Core capital (leverage) ratio | 8.8408% | 4,761 |
| Tier 1 risk-based capital ratio | 11.5568% | 4,656 |
| Total risk-based capital ratio | 12.6035% | 4,657 |
| Memoranda: | ||
| Average total assets | $215,137,330 | 2,733 |
| Average earning assets | $200,860,670 | 2,727 |
| Average equity | $18,750,330 | 3,274 |
| Average total loans | $173,014,330 | 2,424 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 1,019 |
| Cost of funding earning assets | 1.0081% | 1,538 |
| Net interest margin | 4.1343% | 1,469 |
| Noninterest income to average assets | 0.2745% | 4,046 |
| Noninterest expense to average assets | 2.7113% | 2,876 |
| Loan and lease loss provision to assets | 0.1158% | 1,523 |
| Net operating income to assets | 0.9822% | 2,916 |
| Return on assets (ROA) | 0.9822% | 2,958 |
| Pretax return on assets | 1.3071% | 2,429 |
| Return on Equity (ROE) | 11.3647% | 1,800 |
| Retained earnings to average equity (ytd only) | -0.0432% | 4,537 |
| Net charge-offs to loans | -0.0254% | 4,582 |
| Credit loss provision to net charge-offs | -563.6364% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5827% | 2,997 |
| Assets per employee ($millions) | 3.7859% | 4,212 |
| Cash dividends to net income (ytd only)* | 100.3802% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,844 |
| Loan loss allowance to noncurrent loans | 160.8405% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 2,583 |
| Noncurrent loans to loans | 0.6062% | 2,520 |
| Net loans and leases to total assets | 77.8868% | 1,176 |
| Net loans and leases to deposits | 92.3921% | 1,355 |
| Net loans and leases to core deposits | 98.8196% | 1,722 |
| Total domestic deposits to total assets | 84.3003% | 2,947 |
| Equity capital to assets | 8.4596% | 5,015 |
| Core capital (leverage) ratio | 8.6901% | 4,879 |
| Tier 1 risk-based capital ratio | 11.3233% | 4,826 |
| Total risk-based capital ratio | 12.3458% | 4,843 |
| Memoranda: | ||
| Average total assets | $214,212,500 | 2,770 |
| Average earning assets | $199,985,000 | 2,763 |
| Average equity | $18,513,500 | 3,312 |
| Average total loans | $173,132,500 | 2,444 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 1,154 |
| Cost of funding earning assets | 0.6806% | 2,209 |
| Net interest margin | 4.2716% | 1,219 |
| Noninterest income to average assets | 0.2752% | 4,263 |
| Noninterest expense to average assets | 2.7792% | 2,756 |
| Loan and lease loss provision to assets | 0.0430% | 3,325 |
| Net operating income to assets | 1.1119% | 2,545 |
| Return on assets (ROA) | 1.1119% | 2,550 |
| Pretax return on assets | 1.4321% | 2,023 |
| Return on Equity (ROE) | 12.5193% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.0992% | 1,628 |
| Net charge-offs to loans | 0.1029% | 1,729 |
| Credit loss provision to net charge-offs | 51.1905% | 3,172 |
| Earnings coverage of net charge-offs (x) | 17.5476% | 2,186 |
| Efficiency ratio | 65.3258% | 2,984 |
| Assets per employee ($millions) | 3.7293% | 4,284 |
| Cash dividends to net income (ytd only)* | 43.2943% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,053 |
| Loan loss allowance to noncurrent loans | 158.4071% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,204 |
| Noncurrent loans to loans | 0.5860% | 2,534 |
| Net loans and leases to total assets | 82.3320% | 612 |
| Net loans and leases to deposits | 99.8160% | 758 |
| Net loans and leases to core deposits | 106.0042% | 1,267 |
| Total domestic deposits to total assets | 82.4838% | 3,492 |
| Equity capital to assets | 8.8350% | 4,704 |
| Core capital (leverage) ratio | 9.2306% | 4,423 |
| Tier 1 risk-based capital ratio | 11.2770% | 4,822 |
| Total risk-based capital ratio | 12.2510% | 4,871 |
| Memoranda: | ||
| Average total assets | $199,840,800 | 2,871 |
| Average earning assets | $186,161,600 | 2,860 |
| Average equity | $17,748,600 | 3,324 |
| Average total loans | $163,262,600 | 2,495 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 1,129 |
| Cost of funding earning assets | 0.6070% | 2,419 |
| Net interest margin | 4.3072% | 1,098 |
| Noninterest income to average assets | 0.3090% | 4,078 |
| Noninterest expense to average assets | 2.8428% | 2,486 |
| Loan and lease loss provision to assets | 0.0250% | 3,519 |
| Net operating income to assets | 1.0952% | 2,686 |
| Return on assets (ROA) | 1.0952% | 2,706 |
| Pretax return on assets | 1.4535% | 2,049 |
| Return on Equity (ROE) | 12.3141% | 1,675 |
| Retained earnings to average equity (ytd only) | 5.0151% | 3,226 |
| Net charge-offs to loans | 0.1411% | 1,157 |
| Credit loss provision to net charge-offs | 21.7647% | 3,007 |
| Earnings coverage of net charge-offs (x) | 12.8883% | 2,414 |
| Efficiency ratio | 65.7870% | 2,906 |
| Assets per employee ($millions) | 3.5705% | 4,466 |
| Cash dividends to net income (ytd only)* | 59.2726% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,072 |
| Loan loss allowance to noncurrent loans | 102.4294% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 1,617 |
| Noncurrent loans to loans | 0.9214% | 1,854 |
| Net loans and leases to total assets | 81.8887% | 735 |
| Net loans and leases to deposits | 99.8555% | 796 |
| Net loans and leases to core deposits | 104.8186% | 1,394 |
| Total domestic deposits to total assets | 82.0072% | 3,605 |
| Equity capital to assets | 8.8964% | 4,642 |
| Core capital (leverage) ratio | 9.2263% | 4,487 |
| Tier 1 risk-based capital ratio | 11.2360% | 4,936 |
| Total risk-based capital ratio | 12.2069% | 4,958 |
| Memoranda: | ||
| Average total assets | $197,590,750 | 2,916 |
| Average earning assets | $184,060,250 | 2,904 |
| Average equity | $17,573,000 | 3,369 |
| Average total loans | $160,689,750 | 2,526 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 1,103 |
| Cost of funding earning assets | 0.5855% | 2,326 |
| Net interest margin | 4.2763% | 1,088 |
| Noninterest income to average assets | 0.3303% | 3,982 |
| Noninterest expense to average assets | 2.8170% | 2,615 |
| Loan and lease loss provision to assets | 0.0030% | 3,749 |
| Net operating income to assets | 1.1260% | 2,497 |
| Return on assets (ROA) | 1.1260% | 2,500 |
| Pretax return on assets | 1.4959% | 1,830 |
| Return on Equity (ROE) | 12.6619% | 1,487 |
| Retained earnings to average equity (ytd only) | 8.0680% | 1,599 |
| Net charge-offs to loans | 0.1118% | 1,255 |
| Credit loss provision to net charge-offs | 3.3708% | 2,753 |
| Earnings coverage of net charge-offs (x) | 16.5730% | 1,990 |
| Efficiency ratio | 65.2696% | 3,104 |
| Assets per employee ($millions) | 3.5600% | 4,517 |
| Cash dividends to net income (ytd only)* | 36.2816% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,738 |
| Loan loss allowance to noncurrent loans | 124.6703% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 1,838 |
| Noncurrent loans to loans | 0.8148% | 2,096 |
| Net loans and leases to total assets | 79.9717% | 1,029 |
| Net loans and leases to deposits | 90.8270% | 1,731 |
| Net loans and leases to core deposits | 97.3872% | 1,932 |
| Total domestic deposits to total assets | 88.0484% | 1,353 |
| Equity capital to assets | 9.1257% | 4,455 |
| Core capital (leverage) ratio | 9.2756% | 4,387 |
| Tier 1 risk-based capital ratio | 11.7549% | 4,649 |
| Total risk-based capital ratio | 12.7987% | 4,655 |
| Memoranda: | ||
| Average total assets | $196,805,330 | 2,937 |
| Average earning assets | $183,429,670 | 2,925 |
| Average equity | $17,501,330 | 3,395 |
| Average total loans | $159,155,000 | 2,553 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 1,071 |
| Cost of funding earning assets | 0.5520% | 2,390 |
| Net interest margin | 4.2551% | 1,032 |
| Noninterest income to average assets | 0.3304% | 3,942 |
| Noninterest expense to average assets | 2.7794% | 2,775 |
| Loan and lease loss provision to assets | 0.0041% | 3,458 |
| Net operating income to assets | 1.1454% | 2,240 |
| Return on assets (ROA) | 1.1454% | 2,251 |
| Pretax return on assets | 1.5164% | 1,642 |
| Return on Equity (ROE) | 13.0500% | 1,246 |
| Retained earnings to average equity (ytd only) | 3.7649% | 3,689 |
| Net charge-offs to loans | 0.2055% | 718 |
| Credit loss provision to net charge-offs | 2.4390% | 2,193 |
| Earnings coverage of net charge-offs (x) | 9.1463% | 1,984 |
| Efficiency ratio | 64.6393% | 3,384 |
| Assets per employee ($millions) | 3.9358% | 4,091 |
| Cash dividends to net income (ytd only)* | 71.1504% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,833 |
| Loan loss allowance to noncurrent loans | 116.1267% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 2,097 |
| Noncurrent loans to loans | 0.8804% | 2,067 |
| Net loans and leases to total assets | 79.3547% | 1,030 |
| Net loans and leases to deposits | 88.7234% | 1,838 |
| Net loans and leases to core deposits | 94.4291% | 2,103 |
| Total domestic deposits to total assets | 89.4406% | 914 |
| Equity capital to assets | 8.8144% | 4,730 |
| Core capital (leverage) ratio | 8.9490% | 4,737 |
| Tier 1 risk-based capital ratio | 11.5213% | 4,850 |
| Total risk-based capital ratio | 12.5799% | 4,855 |
| Memoranda: | ||
| Average total assets | $197,309,000 | 2,953 |
| Average earning assets | $184,059,500 | 2,951 |
| Average equity | $17,318,000 | 3,434 |
| Average total loans | $159,637,500 | 2,574 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 928 |
| Cost of funding earning assets | 0.4908% | 2,419 |
| Net interest margin | 4.3363% | 892 |
| Noninterest income to average assets | 0.3005% | 4,304 |
| Noninterest expense to average assets | 3.0624% | 1,971 |
| Loan and lease loss provision to assets | 0.1947% | 1,074 |
| Net operating income to assets | 0.7271% | 3,486 |
| Return on assets (ROA) | 0.7271% | 3,524 |
| Pretax return on assets | 1.0467% | 3,391 |
| Return on Equity (ROE) | 8.1720% | 2,719 |
| Retained earnings to average equity (ytd only) | 4.7287% | 2,303 |
| Net charge-offs to loans | 0.1000% | 2,076 |
| Credit loss provision to net charge-offs | 244.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 15.5600% | 2,237 |
| Efficiency ratio | 71.1567% | 2,366 |
| Assets per employee ($millions) | 3.3530% | 4,873 |
| Cash dividends to net income (ytd only)* | 42.1361% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,635 |
| Loan loss allowance to noncurrent loans | 111.5283% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 1,947 |
| Noncurrent loans to loans | 0.9399% | 1,895 |
| Net loans and leases to total assets | 80.7807% | 863 |
| Net loans and leases to deposits | 93.4008% | 1,343 |
| Net loans and leases to core deposits | 100.0777% | 1,707 |
| Total domestic deposits to total assets | 86.4882% | 2,236 |
| Equity capital to assets | 8.7400% | 4,937 |
| Core capital (leverage) ratio | 9.0746% | 4,557 |
| Tier 1 risk-based capital ratio | 10.7915% | 5,255 |
| Total risk-based capital ratio | 11.8430% | 5,240 |
| Memoranda: | ||
| Average total assets | $188,019,800 | 3,039 |
| Average earning assets | $173,580,400 | 3,032 |
| Average equity | $16,727,800 | 3,508 |
| Average total loans | $150,041,400 | 2,654 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 884 |
| Cost of funding earning assets | 0.4708% | 2,513 |
| Net interest margin | 4.3525% | 817 |
| Noninterest income to average assets | 0.3190% | 4,252 |
| Noninterest expense to average assets | 3.1571% | 1,661 |
| Loan and lease loss provision to assets | 0.1839% | 1,075 |
| Net operating income to assets | 0.6308% | 4,271 |
| Return on assets (ROA) | 0.6308% | 4,324 |
| Pretax return on assets | 0.9836% | 3,750 |
| Return on Equity (ROE) | 7.0575% | 3,627 |
| Retained earnings to average equity (ytd only) | 2.4275% | 4,436 |
| Net charge-offs to loans | 0.1223% | 1,570 |
| Credit loss provision to net charge-offs | 189.6296% | 1,401 |
| Earnings coverage of net charge-offs (x) | 12.0367% | 2,457 |
| Efficiency ratio | 73.0022% | 2,042 |
| Assets per employee ($millions) | 3.1179% | 5,159 |
| Cash dividends to net income (ytd only)* | 65.6034% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,914 |
| Loan loss allowance to noncurrent loans | 125.5302% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 2,222 |
| Noncurrent loans to loans | 0.8190% | 2,320 |
| Net loans and leases to total assets | 80.8847% | 857 |
| Net loans and leases to deposits | 93.2018% | 1,398 |
| Net loans and leases to core deposits | 101.0410% | 1,620 |
| Total domestic deposits to total assets | 86.7845% | 1,964 |
| Equity capital to assets | 8.8599% | 5,024 |
| Core capital (leverage) ratio | 9.1185% | 4,618 |
| Tier 1 risk-based capital ratio | 10.5146% | 5,443 |
| Total risk-based capital ratio | 11.5095% | 5,472 |
| Memoranda: | ||
| Average total assets | $185,568,000 | 3,091 |
| Average earning assets | $170,779,250 | 3,088 |
| Average equity | $16,587,250 | 3,559 |
| Average total loans | $147,177,000 | 2,701 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 911 |
| Cost of funding earning assets | 0.4652% | 2,453 |
| Net interest margin | 4.3089% | 836 |
| Noninterest income to average assets | 0.3108% | 4,314 |
| Noninterest expense to average assets | 3.3050% | 1,366 |
| Loan and lease loss provision to assets | 0.1717% | 1,129 |
| Net operating income to assets | 0.5228% | 4,640 |
| Return on assets (ROA) | 0.5228% | 4,672 |
| Pretax return on assets | 0.7999% | 4,279 |
| Return on Equity (ROE) | 5.8305% | 4,120 |
| Retained earnings to average equity (ytd only) | 1.7576% | 4,545 |
| Net charge-offs to loans | 0.1246% | 1,414 |
| Credit loss provision to net charge-offs | 175.5556% | 1,379 |
| Earnings coverage of net charge-offs (x) | 9.9333% | 2,387 |
| Efficiency ratio | 77.2808% | 1,552 |
| Assets per employee ($millions) | 3.0268% | 5,246 |
| Cash dividends to net income (ytd only)* | 69.8545% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,962 |
| Loan loss allowance to noncurrent loans | 103.7609% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 1,993 |
| Noncurrent loans to loans | 0.9926% | 1,982 |
| Net loans and leases to total assets | 79.1129% | 1,079 |
| Net loans and leases to deposits | 87.2138% | 2,079 |
| Net loans and leases to core deposits | 93.7551% | 2,176 |
| Total domestic deposits to total assets | 90.7114% | 296 |
| Equity capital to assets | 8.8921% | 4,997 |
| Core capital (leverage) ratio | 8.9025% | 4,837 |
| Tier 1 risk-based capital ratio | 10.7872% | 5,345 |
| Total risk-based capital ratio | 11.7834% | 5,370 |
| Memoranda: | ||
| Average total assets | $184,026,330 | 3,114 |
| Average earning assets | $169,372,000 | 3,119 |
| Average equity | $16,499,330 | 3,578 |
| Average total loans | $144,424,330 | 2,737 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 952 |
| Cost of funding earning assets | 0.4555% | 2,478 |
| Net interest margin | 4.2374% | 911 |
| Noninterest income to average assets | 0.2918% | 4,471 |
| Noninterest expense to average assets | 3.1767% | 1,674 |
| Loan and lease loss provision to assets | 0.0899% | 2,042 |
| Net operating income to assets | 0.6077% | 4,124 |
| Return on assets (ROA) | 0.6077% | 4,178 |
| Pretax return on assets | 0.9236% | 3,680 |
| Return on Equity (ROE) | 6.7211% | 3,533 |
| Retained earnings to average equity (ytd only) | -1.4316% | 5,119 |
| Net charge-offs to loans | 0.2570% | 706 |
| Credit loss provision to net charge-offs | 45.0549% | 2,029 |
| Earnings coverage of net charge-offs (x) | 5.0769% | 2,319 |
| Efficiency ratio | 75.8115% | 1,938 |
| Assets per employee ($millions) | 3.2590% | 5,095 |
| Cash dividends to net income (ytd only)* | 121.2996% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 4,311 |
| Loan loss allowance to noncurrent loans | 121.5503% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 2,547 |
| Noncurrent loans to loans | 0.8204% | 2,402 |
| Net loans and leases to total assets | 74.9460% | 1,590 |
| Net loans and leases to deposits | 82.4502% | 2,452 |
| Net loans and leases to core deposits | 88.4964% | 2,496 |
| Total domestic deposits to total assets | 90.8985% | 332 |
| Equity capital to assets | 8.7148% | 5,064 |
| Core capital (leverage) ratio | 8.9994% | 4,742 |
| Tier 1 risk-based capital ratio | 10.8941% | 5,365 |
| Total risk-based capital ratio | 11.8348% | 5,425 |
| Memoranda: | ||
| Average total assets | $182,330,000 | 3,156 |
| Average earning assets | $167,744,500 | 3,163 |
| Average equity | $16,485,500 | 3,604 |
| Average total loans | $141,632,000 | 2,792 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 809 |
| Cost of funding earning assets | 0.4438% | 2,586 |
| Net interest margin | 4.4014% | 771 |
| Noninterest income to average assets | 0.3356% | 4,334 |
| Noninterest expense to average assets | 3.0587% | 2,148 |
| Loan and lease loss provision to assets | 0.1741% | 1,385 |
| Net operating income to assets | 0.7997% | 3,307 |
| Return on assets (ROA) | 0.7997% | 3,409 |
| Pretax return on assets | 1.1566% | 2,865 |
| Return on Equity (ROE) | 8.5610% | 2,637 |
| Retained earnings to average equity (ytd only) | 4.2712% | 2,871 |
| Net charge-offs to loans | 0.2802% | 980 |
| Credit loss provision to net charge-offs | 79.8942% | 2,977 |
| Earnings coverage of net charge-offs (x) | 6.1058% | 3,229 |
| Efficiency ratio | 69.6834% | 2,960 |
| Assets per employee ($millions) | 2.7879% | 5,498 |
| Cash dividends to net income (ytd only)* | 50.1081% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,987 |
| Loan loss allowance to noncurrent loans | 166.8927% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 2,974 |
| Noncurrent loans to loans | 0.6314% | 2,957 |
| Net loans and leases to total assets | 78.9667% | 1,046 |
| Net loans and leases to deposits | 87.4451% | 1,995 |
| Net loans and leases to core deposits | 93.0333% | 2,209 |
| Total domestic deposits to total assets | 90.3044% | 515 |
| Equity capital to assets | 9.3933% | 4,378 |
| Core capital (leverage) ratio | 9.5590% | 4,016 |
| Tier 1 risk-based capital ratio | 11.3454% | 5,144 |
| Total risk-based capital ratio | 12.3557% | 5,169 |
| Memoranda: | ||
| Average total assets | $173,437,000 | 3,239 |
| Average earning assets | $159,746,000 | 3,243 |
| Average equity | $16,201,400 | 3,663 |
| Average total loans | $134,891,800 | 2,847 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 840 |
| Cost of funding earning assets | 0.4424% | 2,615 |
| Net interest margin | 4.3885% | 792 |
| Noninterest income to average assets | 0.3324% | 4,411 |
| Noninterest expense to average assets | 2.9907% | 2,345 |
| Loan and lease loss provision to assets | 0.1913% | 1,138 |
| Net operating income to assets | 0.7882% | 3,421 |
| Return on assets (ROA) | 0.7882% | 3,563 |
| Pretax return on assets | 1.1977% | 2,848 |
| Return on Equity (ROE) | 8.4492% | 2,784 |
| Retained earnings to average equity (ytd only) | 2.7034% | 4,277 |
| Net charge-offs to loans | 0.3324% | 694 |
| Credit loss provision to net charge-offs | 74.4745% | 2,731 |
| Earnings coverage of net charge-offs (x) | 5.4084% | 3,135 |
| Efficiency ratio | 68.2867% | 3,180 |
| Assets per employee ($millions) | 2.9405% | 5,436 |
| Cash dividends to net income (ytd only)* | 68.0038% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,013 |
| Loan loss allowance to noncurrent loans | 180.8878% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 3,255 |
| Noncurrent loans to loans | 0.5923% | 3,230 |
| Net loans and leases to total assets | 78.0826% | 1,180 |
| Net loans and leases to deposits | 88.8990% | 1,905 |
| Net loans and leases to core deposits | 92.8136% | 2,302 |
| Total domestic deposits to total assets | 87.8329% | 1,485 |
| Equity capital to assets | 9.3831% | 4,776 |
| Core capital (leverage) ratio | 9.4309% | 4,286 |
| Tier 1 risk-based capital ratio | 11.4394% | 5,127 |
| Total risk-based capital ratio | 12.4741% | 5,151 |
| Memoranda: | ||
| Average total assets | $172,887,250 | 3,260 |
| Average earning assets | $159,443,000 | 3,263 |
| Average equity | $16,127,250 | 3,705 |
| Average total loans | $133,572,000 | 2,872 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 877 |
| Cost of funding earning assets | 0.4434% | 2,627 |
| Net interest margin | 4.3605% | 832 |
| Noninterest income to average assets | 0.3475% | 4,292 |
| Noninterest expense to average assets | 2.9649% | 2,467 |
| Loan and lease loss provision to assets | 0.1899% | 1,142 |
| Net operating income to assets | 0.8177% | 3,231 |
| Return on assets (ROA) | 0.8177% | 3,365 |
| Pretax return on assets | 1.2242% | 2,686 |
| Return on Equity (ROE) | 8.7829% | 2,591 |
| Retained earnings to average equity (ytd only) | 4.6154% | 2,971 |
| Net charge-offs to loans | 0.4802% | 459 |
| Credit loss provision to net charge-offs | 51.5723% | 2,651 |
| Earnings coverage of net charge-offs (x) | 3.8396% | 3,051 |
| Efficiency ratio | 67.7070% | 3,402 |
| Assets per employee ($millions) | 3.0757% | 5,348 |
| Cash dividends to net income (ytd only)* | 47.4504% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 4,267 |
| Loan loss allowance to noncurrent loans | 142.6096% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 2,909 |
| Noncurrent loans to loans | 0.7308% | 2,908 |
| Net loans and leases to total assets | 77.1247% | 1,313 |
| Net loans and leases to deposits | 85.5865% | 2,299 |
| Net loans and leases to core deposits | 89.2812% | 2,606 |
| Total domestic deposits to total assets | 90.1131% | 444 |
| Equity capital to assets | 9.4933% | 4,772 |
| Core capital (leverage) ratio | 9.2665% | 4,500 |
| Tier 1 risk-based capital ratio | 11.6783% | 5,040 |
| Total risk-based capital ratio | 12.6860% | 5,089 |
| Memoranda: | ||
| Average total assets | $172,685,670 | 3,282 |
| Average earning assets | $159,659,670 | 3,271 |
| Average equity | $16,076,670 | 3,720 |
| Average total loans | $132,451,330 | 2,897 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 873 |
| Cost of funding earning assets | 0.4452% | 2,636 |
| Net interest margin | 4.3444% | 840 |
| Noninterest income to average assets | 0.3123% | 4,499 |
| Noninterest expense to average assets | 2.8500% | 2,889 |
| Loan and lease loss provision to assets | 0.1897% | 1,044 |
| Net operating income to assets | 0.8421% | 3,022 |
| Return on assets (ROA) | 0.8421% | 3,156 |
| Pretax return on assets | 1.2908% | 2,346 |
| Return on Equity (ROE) | 9.1345% | 2,351 |
| Retained earnings to average equity (ytd only) | 0.8532% | 4,883 |
| Net charge-offs to loans | 0.4409% | 515 |
| Credit loss provision to net charge-offs | 56.5517% | 1,997 |
| Earnings coverage of net charge-offs (x) | 4.4138% | 2,439 |
| Efficiency ratio | 65.8120% | 3,836 |
| Assets per employee ($millions) | 3.2701% | 5,173 |
| Cash dividends to net income (ytd only)* | 90.6593% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,990 |
| Loan loss allowance to noncurrent loans | 132.4733% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 2,793 |
| Noncurrent loans to loans | 0.8390% | 2,745 |
| Net loans and leases to total assets | 75.0248% | 1,549 |
| Net loans and leases to deposits | 82.8807% | 2,444 |
| Net loans and leases to core deposits | 85.8057% | 2,767 |
| Total domestic deposits to total assets | 90.5214% | 424 |
| Equity capital to assets | 9.0426% | 5,128 |
| Core capital (leverage) ratio | 9.1532% | 4,650 |
| Tier 1 risk-based capital ratio | 11.4292% | 5,267 |
| Total risk-based capital ratio | 12.4978% | 5,278 |
| Memoranda: | ||
| Average total assets | $172,909,500 | 3,297 |
| Average earning assets | $159,930,000 | 3,285 |
| Average equity | $15,939,500 | 3,743 |
| Average total loans | $131,558,500 | 2,910 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,232 |
| Cost of funding earning assets | 0.4694% | 2,443 |
| Net interest margin | 4.1734% | 1,224 |
| Noninterest income to average assets | 0.3182% | 4,620 |
| Noninterest expense to average assets | 2.8483% | 3,039 |
| Loan and lease loss provision to assets | 0.1600% | 1,447 |
| Net operating income to assets | 0.8070% | 3,311 |
| Return on assets (ROA) | 0.8070% | 3,389 |
| Pretax return on assets | 1.1981% | 2,665 |
| Return on Equity (ROE) | 8.7407% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.2677% | 2,939 |
| Net charge-offs to loans | 0.3007% | 1,003 |
| Credit loss provision to net charge-offs | 73.9726% | 3,058 |
| Earnings coverage of net charge-offs (x) | 6.2795% | 3,249 |
| Efficiency ratio | 67.7138% | 3,620 |
| Assets per employee ($millions) | 3.3183% | 5,126 |
| Cash dividends to net income (ytd only)* | 51.1747% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 3,472 |
| Loan loss allowance to noncurrent loans | 71.8186% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 1,347 |
| Noncurrent loans to loans | 1.6733% | 1,357 |
| Net loans and leases to total assets | 75.3947% | 1,510 |
| Net loans and leases to deposits | 83.4879% | 2,423 |
| Net loans and leases to core deposits | 86.1753% | 2,781 |
| Total domestic deposits to total assets | 90.3062% | 499 |
| Equity capital to assets | 9.4019% | 4,671 |
| Core capital (leverage) ratio | 9.6356% | 3,996 |
| Tier 1 risk-based capital ratio | 12.0230% | 4,932 |
| Total risk-based capital ratio | 13.1979% | 4,884 |
| Memoranda: | ||
| Average total assets | $168,765,400 | 3,324 |
| Average earning assets | $157,235,000 | 3,294 |
| Average equity | $15,582,200 | 3,750 |
| Average total loans | $121,372,200 | 3,027 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,363 |
| Cost of funding earning assets | 0.4789% | 2,420 |
| Net interest margin | 4.1088% | 1,389 |
| Noninterest income to average assets | 0.3336% | 4,556 |
| Noninterest expense to average assets | 2.8429% | 3,027 |
| Loan and lease loss provision to assets | 0.0134% | 4,001 |
| Net operating income to assets | 0.9060% | 2,938 |
| Return on assets (ROA) | 0.9060% | 3,027 |
| Pretax return on assets | 1.3163% | 2,328 |
| Return on Equity (ROE) | 9.8578% | 2,161 |
| Retained earnings to average equity (ytd only) | 3.8623% | 3,717 |
| Net charge-offs to loans | 0.3226% | 824 |
| Credit loss provision to net charge-offs | 5.8824% | 3,481 |
| Earnings coverage of net charge-offs (x) | 5.8201% | 3,147 |
| Efficiency ratio | 68.1319% | 3,511 |
| Assets per employee ($millions) | 3.3042% | 5,119 |
| Cash dividends to net income (ytd only)* | 60.8203% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 4,196 |
| Loan loss allowance to noncurrent loans | 66.0740% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5949% | 1,396 |
| Noncurrent loans to loans | 1.6724% | 1,460 |
| Net loans and leases to total assets | 74.4840% | 1,640 |
| Net loans and leases to deposits | 82.7695% | 2,557 |
| Net loans and leases to core deposits | 85.4875% | 2,902 |
| Total domestic deposits to total assets | 89.9897% | 571 |
| Equity capital to assets | 9.5315% | 4,715 |
| Core capital (leverage) ratio | 9.3639% | 4,494 |
| Tier 1 risk-based capital ratio | 12.2757% | 4,903 |
| Total risk-based capital ratio | 13.3552% | 4,932 |
| Memoranda: | ||
| Average total assets | $168,648,750 | 3,355 |
| Average earning assets | $157,577,000 | 3,321 |
| Average equity | $15,500,000 | 3,798 |
| Average total loans | $119,429,250 | 3,082 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 1,527 |
| Cost of funding earning assets | 0.4889% | 2,363 |
| Net interest margin | 4.0145% | 1,600 |
| Noninterest income to average assets | 0.3251% | 4,622 |
| Noninterest expense to average assets | 2.8423% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8504% | 3,127 |
| Return on assets (ROA) | 0.8504% | 3,228 |
| Pretax return on assets | 1.2356% | 2,623 |
| Return on Equity (ROE) | 9.3659% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.0591% | 2,823 |
| Net charge-offs to loans | 0.3414% | 769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.2189% | 2,946 |
| Efficiency ratio | 69.6996% | 3,384 |
| Assets per employee ($millions) | 3.2799% | 5,196 |
| Cash dividends to net income (ytd only)* | 45.9834% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,866 |
| Loan loss allowance to noncurrent loans | 65.2233% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.5543% | 1,568 |
| Noncurrent loans to loans | 1.8200% | 1,399 |
| Net loans and leases to total assets | 70.5721% | 2,228 |
| Net loans and leases to deposits | 78.0618% | 3,017 |
| Net loans and leases to core deposits | 79.9938% | 3,385 |
| Total domestic deposits to total assets | 90.4055% | 495 |
| Equity capital to assets | 9.1688% | 5,058 |
| Core capital (leverage) ratio | 9.1442% | 4,760 |
| Tier 1 risk-based capital ratio | 12.1790% | 5,013 |
| Total risk-based capital ratio | 13.3074% | 5,005 |
| Memoranda: | ||
| Average total assets | $169,795,000 | 3,349 |
| Average earning assets | $158,723,330 | 3,313 |
| Average equity | $15,417,670 | 3,832 |
| Average total loans | $117,762,330 | 3,128 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 1,486 |
| Cost of funding earning assets | 0.4978% | 2,301 |
| Net interest margin | 3.9954% | 1,573 |
| Noninterest income to average assets | 0.3400% | 4,474 |
| Noninterest expense to average assets | 2.8026% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8642% | 2,939 |
| Return on assets (ROA) | 0.8642% | 3,055 |
| Pretax return on assets | 1.2703% | 2,387 |
| Return on Equity (ROE) | 9.5639% | 2,196 |
| Retained earnings to average equity (ytd only) | 1.0714% | 5,052 |
| Net charge-offs to loans | 0.5703% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.2606% | 2,631 |
| Efficiency ratio | 68.8116% | 3,694 |
| Assets per employee ($millions) | 3.4021% | 5,081 |
| Cash dividends to net income (ytd only)* | 88.7978% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 3,497 |
| Loan loss allowance to noncurrent loans | 75.0506% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4414% | 1,832 |
| Noncurrent loans to loans | 1.7098% | 1,603 |
| Net loans and leases to total assets | 65.7528% | 2,819 |
| Net loans and leases to deposits | 72.5049% | 3,490 |
| Net loans and leases to core deposits | 74.6933% | 3,718 |
| Total domestic deposits to total assets | 90.6874% | 470 |
| Equity capital to assets | 8.8556% | 5,439 |
| Core capital (leverage) ratio | 8.8882% | 5,086 |
| Tier 1 risk-based capital ratio | 12.3259% | 5,028 |
| Total risk-based capital ratio | 13.5275% | 4,971 |
| Memoranda: | ||
| Average total assets | $169,414,500 | 3,375 |
| Average earning assets | $158,281,500 | 3,347 |
| Average equity | $15,307,500 | 3,873 |
| Average total loans | $115,738,000 | 3,165 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 1,423 |
| Cost of funding earning assets | 0.5400% | 2,289 |
| Net interest margin | 4.1093% | 1,551 |
| Noninterest income to average assets | 0.3546% | 4,565 |
| Noninterest expense to average assets | 2.7734% | 3,586 |
| Loan and lease loss provision to assets | 0.2460% | 934 |
| Net operating income to assets | 0.7585% | 3,578 |
| Return on assets (ROA) | 0.7585% | 3,685 |
| Pretax return on assets | 1.1569% | 2,843 |
| Return on Equity (ROE) | 8.4953% | 2,844 |
| Retained earnings to average equity (ytd only) | 4.0527% | 3,325 |
| Net charge-offs to loans | 0.2493% | 1,718 |
| Credit loss provision to net charge-offs | 146.4286% | 1,642 |
| Earnings coverage of net charge-offs (x) | 8.3500% | 2,895 |
| Efficiency ratio | 66.4080% | 4,178 |
| Assets per employee ($millions) | 3.2416% | 5,364 |
| Cash dividends to net income (ytd only)* | 52.2943% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 2,840 |
| Loan loss allowance to noncurrent loans | 123.1689% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 2,681 |
| Noncurrent loans to loans | 1.1544% | 2,530 |
| Net loans and leases to total assets | 69.1132% | 2,378 |
| Net loans and leases to deposits | 76.3949% | 3,159 |
| Net loans and leases to core deposits | 78.9590% | 3,415 |
| Total domestic deposits to total assets | 90.4684% | 553 |
| Equity capital to assets | 9.2244% | 5,037 |
| Core capital (leverage) ratio | 9.1963% | 4,683 |
| Tier 1 risk-based capital ratio | 13.1398% | 4,632 |
| Total risk-based capital ratio | 14.3918% | 4,551 |
| Memoranda: | ||
| Average total assets | $166,654,800 | 3,382 |
| Average earning assets | $154,988,800 | 3,362 |
| Average equity | $14,878,800 | 3,861 |
| Average total loans | $112,304,400 | 3,173 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,459 |
| Cost of funding earning assets | 0.5454% | 2,338 |
| Net interest margin | 4.0951% | 1,592 |
| Noninterest income to average assets | 0.3505% | 4,640 |
| Noninterest expense to average assets | 2.8177% | 3,393 |
| Loan and lease loss provision to assets | 0.1948% | 1,234 |
| Net operating income to assets | 0.7537% | 3,653 |
| Return on assets (ROA) | 0.7537% | 3,747 |
| Pretax return on assets | 1.1450% | 3,011 |
| Return on Equity (ROE) | 8.5124% | 2,943 |
| Retained earnings to average equity (ytd only) | 2.5519% | 4,768 |
| Net charge-offs to loans | 0.3040% | 1,305 |
| Credit loss provision to net charge-offs | 96.0630% | 2,318 |
| Earnings coverage of net charge-offs (x) | 6.6063% | 3,051 |
| Efficiency ratio | 67.7742% | 3,896 |
| Assets per employee ($millions) | 3.1911% | 5,448 |
| Cash dividends to net income (ytd only)* | 70.0208% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 3,430 |
| Loan loss allowance to noncurrent loans | 177.2941% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 3,429 |
| Noncurrent loans to loans | 0.7577% | 3,707 |
| Net loans and leases to total assets | 66.6996% | 2,740 |
| Net loans and leases to deposits | 73.5728% | 3,487 |
| Net loans and leases to core deposits | 76.1949% | 3,717 |
| Total domestic deposits to total assets | 90.6580% | 468 |
| Equity capital to assets | 8.9762% | 5,379 |
| Core capital (leverage) ratio | 8.8486% | 5,268 |
| Tier 1 risk-based capital ratio | 13.1062% | 4,794 |
| Total risk-based capital ratio | 14.3572% | 4,723 |
| Memoranda: | ||
| Average total assets | $166,987,750 | 3,405 |
| Average earning assets | $155,238,250 | 3,378 |
| Average equity | $14,786,000 | 3,899 |
| Average total loans | $111,403,500 | 3,209 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 1,442 |
| Cost of funding earning assets | 0.5566% | 2,296 |
| Net interest margin | 4.0762% | 1,586 |
| Noninterest income to average assets | 0.3466% | 4,660 |
| Noninterest expense to average assets | 2.7549% | 3,682 |
| Loan and lease loss provision to assets | 0.0693% | 2,883 |
| Net operating income to assets | 0.8486% | 3,079 |
| Return on assets (ROA) | 0.8486% | 3,185 |
| Pretax return on assets | 1.3123% | 2,209 |
| Return on Equity (ROE) | 9.6273% | 2,309 |
| Retained earnings to average equity (ytd only) | 5.5459% | 2,612 |
| Net charge-offs to loans | 0.3509% | 1,170 |
| Credit loss provision to net charge-offs | 29.7436% | 3,059 |
| Earnings coverage of net charge-offs (x) | 5.9282% | 2,849 |
| Efficiency ratio | 66.5992% | 4,265 |
| Assets per employee ($millions) | 3.2860% | 5,281 |
| Cash dividends to net income (ytd only)* | 42.3944% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,357 |
| Loan loss allowance to noncurrent loans | 174.4627% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 3,644 |
| Noncurrent loans to loans | 0.6963% | 3,974 |
| Net loans and leases to total assets | 65.6747% | 2,808 |
| Net loans and leases to deposits | 72.2138% | 3,547 |
| Net loans and leases to core deposits | 75.0030% | 3,735 |
| Total domestic deposits to total assets | 90.9448% | 430 |
| Equity capital to assets | 8.8118% | 5,510 |
| Core capital (leverage) ratio | 8.8533% | 5,226 |
| Tier 1 risk-based capital ratio | 12.8661% | 5,000 |
| Total risk-based capital ratio | 14.0472% | 4,979 |
| Memoranda: | ||
| Average total assets | $167,337,670 | 3,417 |
| Average earning assets | $155,585,000 | 3,385 |
| Average equity | $14,749,670 | 3,902 |
| Average total loans | $111,142,330 | 3,217 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,349 |
| Cost of funding earning assets | 0.5639% | 2,305 |
| Net interest margin | 4.0952% | 1,465 |
| Noninterest income to average assets | 0.3672% | 4,445 |
| Noninterest expense to average assets | 2.7179% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0098% | 2,177 |
| Return on assets (ROA) | 1.0098% | 2,241 |
| Pretax return on assets | 1.4568% | 1,564 |
| Return on Equity (ROE) | 11.4552% | 1,557 |
| Retained earnings to average equity (ytd only) | 3.3434% | 4,122 |
| Net charge-offs to loans | 0.0218% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 459 |
| Efficiency ratio | 65.1042% | 4,672 |
| Assets per employee ($millions) | 3.4972% | 4,924 |
| Cash dividends to net income (ytd only)* | 70.8134% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 3,727 |
| Loan loss allowance to noncurrent loans | 91.1889% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 2,458 |
| Noncurrent loans to loans | 1.5057% | 2,534 |
| Net loans and leases to total assets | 63.3389% | 3,006 |
| Net loans and leases to deposits | 69.4767% | 3,664 |
| Net loans and leases to core deposits | 72.3349% | 3,840 |
| Total domestic deposits to total assets | 91.1656% | 503 |
| Equity capital to assets | 8.5800% | 5,571 |
| Core capital (leverage) ratio | 8.7825% | 5,284 |
| Tier 1 risk-based capital ratio | 13.0343% | 4,988 |
| Total risk-based capital ratio | 14.2851% | 4,915 |
| Memoranda: | ||
| Average total assets | $165,569,500 | 3,472 |
| Average earning assets | $153,937,500 | 3,437 |
| Average equity | $14,596,000 | 3,933 |
| Average total loans | $109,913,000 | 3,265 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 1,166 |
| Cost of funding earning assets | 0.6696% | 2,043 |
| Net interest margin | 4.1956% | 1,363 |
| Noninterest income to average assets | 0.2920% | 5,263 |
| Noninterest expense to average assets | 2.9714% | 3,127 |
| Loan and lease loss provision to assets | 0.1658% | 2,210 |
| Net operating income to assets | 0.7328% | 3,647 |
| Return on assets (ROA) | 0.7328% | 3,728 |
| Pretax return on assets | 1.0304% | 3,227 |
| Return on Equity (ROE) | 8.1442% | 2,961 |
| Retained earnings to average equity (ytd only) | 3.4475% | 3,781 |
| Net charge-offs to loans | 0.3902% | 1,725 |
| Credit loss provision to net charge-offs | 62.4113% | 3,496 |
| Earnings coverage of net charge-offs (x) | 4.5035% | 3,548 |
| Efficiency ratio | 71.2973% | 3,611 |
| Assets per employee ($millions) | 3.1328% | 5,611 |
| Cash dividends to net income (ytd only)* | 57.6692% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 3,734 |
| Loan loss allowance to noncurrent loans | 178.8915% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 3,235 |
| Noncurrent loans to loans | 0.7725% | 4,034 |
| Net loans and leases to total assets | 67.7565% | 2,400 |
| Net loans and leases to deposits | 74.6756% | 3,161 |
| Net loans and leases to core deposits | 78.1375% | 3,340 |
| Total domestic deposits to total assets | 90.7345% | 692 |
| Equity capital to assets | 9.0684% | 4,953 |
| Core capital (leverage) ratio | 9.1716% | 4,757 |
| Tier 1 risk-based capital ratio | 13.2571% | 4,818 |
| Total risk-based capital ratio | 14.5090% | 4,756 |
| Memoranda: | ||
| Average total assets | $159,253,400 | 3,575 |
| Average earning assets | $147,107,000 | 3,553 |
| Average equity | $14,329,200 | 4,000 |
| Average total loans | $108,399,800 | 3,278 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,219 |
| Cost of funding earning assets | 0.7164% | 1,837 |
| Net interest margin | 4.1407% | 1,509 |
| Noninterest income to average assets | 0.3947% | 4,569 |
| Noninterest expense to average assets | 2.9126% | 3,260 |
| Loan and lease loss provision to assets | 0.1651% | 2,198 |
| Net operating income to assets | 0.8027% | 3,330 |
| Return on assets (ROA) | 0.8027% | 3,465 |
| Pretax return on assets | 1.1379% | 2,955 |
| Return on Equity (ROE) | 8.9389% | 2,665 |
| Retained earnings to average equity (ytd only) | 2.6593% | 4,727 |
| Net charge-offs to loans | 0.5318% | 1,206 |
| Credit loss provision to net charge-offs | 45.7077% | 3,602 |
| Earnings coverage of net charge-offs (x) | 3.6079% | 3,655 |
| Efficiency ratio | 69.0916% | 3,902 |
| Assets per employee ($millions) | 3.1414% | 5,604 |
| Cash dividends to net income (ytd only)* | 70.2505% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,253 |
| Loan loss allowance to noncurrent loans | 143.3400% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 2,791 |
| Noncurrent loans to loans | 0.9264% | 3,962 |
| Net loans and leases to total assets | 66.8801% | 2,489 |
| Net loans and leases to deposits | 73.7810% | 3,263 |
| Net loans and leases to core deposits | 77.1796% | 3,471 |
| Total domestic deposits to total assets | 90.6468% | 687 |
| Equity capital to assets | 8.9569% | 5,239 |
| Core capital (leverage) ratio | 8.8418% | 5,341 |
| Tier 1 risk-based capital ratio | 13.1090% | 5,049 |
| Total risk-based capital ratio | 14.3594% | 4,998 |
| Memoranda: | ||
| Average total assets | $159,123,000 | 3,602 |
| Average earning assets | $146,833,000 | 3,593 |
| Average equity | $14,289,250 | 4,061 |
| Average total loans | $108,056,000 | 3,306 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 1,197 |
| Cost of funding earning assets | 0.7747% | 1,559 |
| Net interest margin | 4.0823% | 1,590 |
| Noninterest income to average assets | 0.3741% | 4,719 |
| Noninterest expense to average assets | 2.8886% | 3,365 |
| Loan and lease loss provision to assets | 0.2091% | 1,812 |
| Net operating income to assets | 0.7382% | 3,622 |
| Return on assets (ROA) | 0.7382% | 3,782 |
| Pretax return on assets | 1.0406% | 3,328 |
| Return on Equity (ROE) | 8.2136% | 2,980 |
| Retained earnings to average equity (ytd only) | 2.8453% | 4,503 |
| Net charge-offs to loans | 0.7509% | 860 |
| Credit loss provision to net charge-offs | 40.9877% | 3,400 |
| Earnings coverage of net charge-offs (x) | 2.4494% | 3,706 |
| Efficiency ratio | 69.8021% | 3,865 |
| Assets per employee ($millions) | 3.3014% | 5,259 |
| Cash dividends to net income (ytd only)* | 65.3584% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,417 |
| Loan loss allowance to noncurrent loans | 103.6797% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 2,718 |
| Noncurrent loans to loans | 1.2707% | 3,429 |
| Net loans and leases to total assets | 65.2075% | 2,731 |
| Net loans and leases to deposits | 71.5783% | 3,516 |
| Net loans and leases to core deposits | 75.4608% | 3,615 |
| Total domestic deposits to total assets | 91.0995% | 510 |
| Equity capital to assets | 8.6382% | 5,629 |
| Core capital (leverage) ratio | 8.9390% | 5,090 |
| Tier 1 risk-based capital ratio | 12.9255% | 5,201 |
| Total risk-based capital ratio | 14.1762% | 5,135 |
| Memoranda: | ||
| Average total assets | $158,760,000 | 3,635 |
| Average earning assets | $146,387,000 | 3,623 |
| Average equity | $14,269,000 | 4,095 |
| Average total loans | $107,877,330 | 3,323 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 971 |
| Cost of funding earning assets | 0.7716% | 1,700 |
| Net interest margin | 4.1840% | 1,233 |
| Noninterest income to average assets | 0.3676% | 4,730 |
| Noninterest expense to average assets | 2.9434% | 3,181 |
| Loan and lease loss provision to assets | 0.1414% | 2,471 |
| Net operating income to assets | 0.8072% | 3,117 |
| Return on assets (ROA) | 0.8072% | 3,254 |
| Pretax return on assets | 1.1439% | 2,794 |
| Return on Equity (ROE) | 8.7992% | 2,577 |
| Retained earnings to average equity (ytd only) | -1.7374% | 6,047 |
| Net charge-offs to loans | 0.4176% | 1,407 |
| Credit loss provision to net charge-offs | 49.1071% | 2,617 |
| Earnings coverage of net charge-offs (x) | 4.4643% | 2,549 |
| Efficiency ratio | 69.6049% | 4,039 |
| Assets per employee ($millions) | 3.1266% | 5,774 |
| Cash dividends to net income (ytd only)* | 119.7452% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,777 |
| Loan loss allowance to noncurrent loans | 110.6630% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 2,764 |
| Noncurrent loans to loans | 1.3657% | 3,517 |
| Net loans and leases to total assets | 66.1666% | 2,345 |
| Net loans and leases to deposits | 72.9040% | 3,065 |
| Net loans and leases to core deposits | 77.0269% | 3,202 |
| Total domestic deposits to total assets | 90.7585% | 639 |
| Equity capital to assets | 8.9179% | 5,590 |
| Core capital (leverage) ratio | 9.0316% | 4,832 |
| Tier 1 risk-based capital ratio | 13.0203% | 5,200 |
| Total risk-based capital ratio | 14.2734% | 5,150 |
| Memoranda: | ||
| Average total assets | $155,605,000 | 3,715 |
| Average earning assets | $143,595,500 | 3,703 |
| Average equity | $14,274,000 | 4,141 |
| Average total loans | $107,278,500 | 3,352 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2086% | 1,100 |
| Cost of funding earning assets | 0.8882% | 2,004 |
| Net interest margin | 4.3205% | 1,350 |
| Noninterest income to average assets | 0.3214% | 5,160 |
| Noninterest expense to average assets | 2.9056% | 3,610 |
| Loan and lease loss provision to assets | 0.2600% | 2,566 |
| Net operating income to assets | 0.8120% | 3,236 |
| Return on assets (ROA) | 0.8341% | 3,377 |
| Pretax return on assets | 1.1905% | 2,832 |
| Return on Equity (ROE) | 9.1545% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.6491% | 2,285 |
| Net charge-offs to loans | 0.3376% | 2,947 |
| Credit loss provision to net charge-offs | 107.9452% | 2,738 |
| Earnings coverage of net charge-offs (x) | 5.8904% | 2,927 |
| Efficiency ratio | 67.1906% | 4,294 |
| Assets per employee ($millions) | 2.9756% | 6,048 |
| Cash dividends to net income (ytd only)* | 38.2911% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 3,475 |
| Loan loss allowance to noncurrent loans | 109.1857% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.6428% | 2,935 |
| Noncurrent loans to loans | 1.4288% | 3,453 |
| Net loans and leases to total assets | 69.6886% | 1,901 |
| Net loans and leases to deposits | 77.3998% | 2,603 |
| Net loans and leases to core deposits | 81.8887% | 2,784 |
| Total domestic deposits to total assets | 90.0372% | 929 |
| Equity capital to assets | 9.4415% | 4,948 |
| Core capital (leverage) ratio | 9.3902% | 4,267 |
| Tier 1 risk-based capital ratio | 13.2938% | 4,903 |
| Total risk-based capital ratio | 14.5478% | 4,846 |
| Memoranda: | ||
| Average total assets | $151,535,400 | 3,745 |
| Average earning assets | $140,402,000 | 3,719 |
| Average equity | $13,807,400 | 4,201 |
| Average total loans | $108,118,000 | 3,333 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 1,191 |
| Cost of funding earning assets | 0.9219% | 2,035 |
| Net interest margin | 4.2803% | 1,533 |
| Noninterest income to average assets | 0.3389% | 5,095 |
| Noninterest expense to average assets | 2.9407% | 3,443 |
| Loan and lease loss provision to assets | 0.3468% | 1,885 |
| Net operating income to assets | 0.6846% | 3,983 |
| Return on assets (ROA) | 0.7129% | 4,099 |
| Pretax return on assets | 1.0659% | 3,479 |
| Return on Equity (ROE) | 7.8961% | 3,326 |
| Retained earnings to average equity (ytd only) | 3.1780% | 4,632 |
| Net charge-offs to loans | 0.4063% | 2,472 |
| Credit loss provision to net charge-offs | 119.3939% | 2,427 |
| Earnings coverage of net charge-offs (x) | 4.7182% | 3,224 |
| Efficiency ratio | 68.2115% | 4,015 |
| Assets per employee ($millions) | 3.0229% | 6,017 |
| Cash dividends to net income (ytd only)* | 59.7535% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,580 |
| Loan loss allowance to noncurrent loans | 108.9115% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7215% | 3,023 |
| Noncurrent loans to loans | 1.4558% | 3,619 |
| Net loans and leases to total assets | 70.2661% | 1,861 |
| Net loans and leases to deposits | 77.7463% | 2,697 |
| Net loans and leases to core deposits | 82.2909% | 2,926 |
| Total domestic deposits to total assets | 90.3787% | 640 |
| Equity capital to assets | 9.2144% | 5,577 |
| Core capital (leverage) ratio | 9.0058% | 5,061 |
| Tier 1 risk-based capital ratio | 12.9562% | 5,287 |
| Total risk-based capital ratio | 14.2105% | 5,248 |
| Memoranda: | ||
| Average total assets | $151,480,500 | 3,791 |
| Average earning assets | $140,579,250 | 3,756 |
| Average equity | $13,677,250 | 4,268 |
| Average total loans | $108,289,500 | 3,360 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 1,246 |
| Cost of funding earning assets | 0.9581% | 2,009 |
| Net interest margin | 4.2432% | 1,629 |
| Noninterest income to average assets | 0.3312% | 5,179 |
| Noninterest expense to average assets | 2.9843% | 3,320 |
| Loan and lease loss provision to assets | 0.4473% | 1,442 |
| Net operating income to assets | 0.5765% | 4,461 |
| Return on assets (ROA) | 0.5765% | 4,734 |
| Pretax return on assets | 0.8378% | 4,321 |
| Return on Equity (ROE) | 6.4293% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.5452% | 4,913 |
| Net charge-offs to loans | 0.5663% | 1,897 |
| Credit loss provision to net charge-offs | 110.4235% | 2,464 |
| Earnings coverage of net charge-offs (x) | 3.1726% | 3,470 |
| Efficiency ratio | 69.9011% | 3,784 |
| Assets per employee ($millions) | 3.0193% | 6,029 |
| Cash dividends to net income (ytd only)* | 60.4119% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,849 |
| Loan loss allowance to noncurrent loans | 106.6032% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 3,189 |
| Noncurrent loans to loans | 1.4397% | 3,758 |
| Net loans and leases to total assets | 69.9536% | 1,930 |
| Net loans and leases to deposits | 77.1461% | 2,813 |
| Net loans and leases to core deposits | 81.6668% | 2,998 |
| Total domestic deposits to total assets | 90.6768% | 576 |
| Equity capital to assets | 8.9335% | 5,771 |
| Core capital (leverage) ratio | 8.8609% | 5,110 |
| Tier 1 risk-based capital ratio | 12.6178% | 5,482 |
| Total risk-based capital ratio | 13.8718% | 5,458 |
| Memoranda: | ||
| Average total assets | $151,592,670 | 3,813 |
| Average earning assets | $140,694,330 | 3,773 |
| Average equity | $13,594,000 | 4,280 |
| Average total loans | $108,414,670 | 3,369 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 1,179 |
| Cost of funding earning assets | 1.0028% | 1,967 |
| Net interest margin | 4.2634% | 1,579 |
| Noninterest income to average assets | 0.2766% | 5,653 |
| Noninterest expense to average assets | 2.9761% | 3,351 |
| Loan and lease loss provision to assets | 0.6888% | 768 |
| Net operating income to assets | 0.3777% | 5,357 |
| Return on assets (ROA) | 0.3777% | 5,543 |
| Pretax return on assets | 0.5692% | 5,217 |
| Return on Equity (ROE) | 4.2034% | 5,198 |
| Retained earnings to average equity (ytd only) | -3.6113% | 6,454 |
| Net charge-offs to loans | 0.8710% | 1,177 |
| Credit loss provision to net charge-offs | 110.2128% | 2,127 |
| Earnings coverage of net charge-offs (x) | 2.0128% | 3,338 |
| Efficiency ratio | 70.2889% | 3,760 |
| Assets per employee ($millions) | 2.9336% | 6,284 |
| Cash dividends to net income (ytd only)* | 185.9155% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 4,005 |
| Loan loss allowance to noncurrent loans | 81.6716% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 2.3062% | 2,575 |
| Noncurrent loans to loans | 1.8802% | 3,302 |
| Net loans and leases to total assets | 70.2374% | 1,716 |
| Net loans and leases to deposits | 78.4571% | 2,426 |
| Net loans and leases to core deposits | 82.7860% | 2,716 |
| Total domestic deposits to total assets | 89.5232% | 1,358 |
| Equity capital to assets | 8.8248% | 5,724 |
| Core capital (leverage) ratio | 8.6576% | 5,364 |
| Tier 1 risk-based capital ratio | 12.5758% | 5,542 |
| Total risk-based capital ratio | 13.8298% | 5,504 |
| Memoranda: | ||
| Average total assets | $150,398,000 | 3,866 |
| Average earning assets | $139,605,500 | 3,824 |
| Average equity | $13,513,000 | 4,300 |
| Average total loans | $107,924,500 | 3,409 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 1,335 |
| Cost of funding earning assets | 1.1431% | 2,393 |
| Net interest margin | 4.2899% | 1,728 |
| Noninterest income to average assets | 0.4494% | 4,214 |
| Noninterest expense to average assets | 2.9965% | 3,607 |
| Loan and lease loss provision to assets | 0.3645% | 2,816 |
| Net operating income to assets | 0.7636% | 3,201 |
| Return on assets (ROA) | 0.7636% | 3,366 |
| Pretax return on assets | 1.0464% | 3,047 |
| Return on Equity (ROE) | 8.5763% | 2,643 |
| Retained earnings to average equity (ytd only) | 5.6743% | 2,190 |
| Net charge-offs to loans | 0.2378% | 4,292 |
| Credit loss provision to net charge-offs | 214.4000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,171 |
| Efficiency ratio | 67.9883% | 4,363 |
| Assets per employee ($millions) | 2.9068% | 6,276 |
| Cash dividends to net income (ytd only)* | 33.8379% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 3,831 |
| Loan loss allowance to noncurrent loans | 76.7474% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 3.2499% | 1,835 |
| Noncurrent loans to loans | 2.0050% | 3,195 |
| Net loans and leases to total assets | 71.0872% | 1,807 |
| Net loans and leases to deposits | 80.5426% | 2,424 |
| Net loans and leases to core deposits | 85.1742% | 2,729 |
| Total domestic deposits to total assets | 88.2603% | 1,993 |
| Equity capital to assets | 9.1495% | 5,356 |
| Core capital (leverage) ratio | 9.1158% | 4,591 |
| Tier 1 risk-based capital ratio | 12.8844% | 5,166 |
| Total risk-based capital ratio | 14.1390% | 5,137 |
| Memoranda: | ||
| Average total assets | $147,070,400 | 3,853 |
| Average earning assets | $135,689,600 | 3,825 |
| Average equity | $13,094,200 | 4,325 |
| Average total loans | $105,119,000 | 3,497 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 1,435 |
| Cost of funding earning assets | 1.1855% | 2,413 |
| Net interest margin | 4.2427% | 1,938 |
| Noninterest income to average assets | 0.4960% | 3,895 |
| Noninterest expense to average assets | 3.0322% | 3,429 |
| Loan and lease loss provision to assets | 0.3597% | 2,709 |
| Net operating income to assets | 0.6704% | 3,770 |
| Return on assets (ROA) | 0.6704% | 3,939 |
| Pretax return on assets | 1.0183% | 3,338 |
| Return on Equity (ROE) | 7.5826% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.6783% | 4,132 |
| Net charge-offs to loans | 0.2026% | 4,183 |
| Credit loss provision to net charge-offs | 249.0566% | 1,152 |
| Earnings coverage of net charge-offs (x) | 9.5411% | 2,033 |
| Efficiency ratio | 68.7539% | 4,165 |
| Assets per employee ($millions) | 2.7492% | 6,576 |
| Cash dividends to net income (ytd only)* | 51.4899% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 4,072 |
| Loan loss allowance to noncurrent loans | 107.3974% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 2.8056% | 2,316 |
| Noncurrent loans to loans | 1.3992% | 4,197 |
| Net loans and leases to total assets | 71.8433% | 1,745 |
| Net loans and leases to deposits | 82.3273% | 2,298 |
| Net loans and leases to core deposits | 87.2486% | 2,595 |
| Total domestic deposits to total assets | 87.2655% | 2,483 |
| Equity capital to assets | 9.0710% | 5,666 |
| Core capital (leverage) ratio | 8.9569% | 5,000 |
| Tier 1 risk-based capital ratio | 12.6975% | 5,333 |
| Total risk-based capital ratio | 13.9511% | 5,309 |
| Memoranda: | ||
| Average total assets | $146,775,750 | 3,874 |
| Average earning assets | $135,412,000 | 3,849 |
| Average equity | $12,976,750 | 4,353 |
| Average total loans | $104,640,500 | 3,529 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 1,566 |
| Cost of funding earning assets | 1.2442% | 2,293 |
| Net interest margin | 4.1541% | 2,216 |
| Noninterest income to average assets | 0.5288% | 3,637 |
| Noninterest expense to average assets | 3.0680% | 3,367 |
| Loan and lease loss provision to assets | 0.2895% | 3,073 |
| Net operating income to assets | 0.6633% | 3,723 |
| Return on assets (ROA) | 0.6633% | 3,849 |
| Pretax return on assets | 1.0018% | 3,233 |
| Return on Equity (ROE) | 7.5678% | 3,161 |
| Retained earnings to average equity (ytd only) | 5.3967% | 2,738 |
| Net charge-offs to loans | 0.2113% | 3,880 |
| Credit loss provision to net charge-offs | 193.6364% | 1,557 |
| Earnings coverage of net charge-offs (x) | 8.6364% | 2,030 |
| Efficiency ratio | 70.3773% | 4,037 |
| Assets per employee ($millions) | 2.7495% | 6,568 |
| Cash dividends to net income (ytd only)* | 28.6885% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 4,663 |
| Loan loss allowance to noncurrent loans | 153.6201% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 2.4841% | 2,687 |
| Noncurrent loans to loans | 0.8997% | 5,166 |
| Net loans and leases to total assets | 71.6838% | 1,847 |
| Net loans and leases to deposits | 81.9934% | 2,459 |
| Net loans and leases to core deposits | 86.9307% | 2,773 |
| Total domestic deposits to total assets | 87.4264% | 2,505 |
| Equity capital to assets | 9.0409% | 5,515 |
| Core capital (leverage) ratio | 8.7445% | 5,149 |
| Tier 1 risk-based capital ratio | 12.6228% | 5,242 |
| Total risk-based capital ratio | 13.8747% | 5,209 |
| Memoranda: | ||
| Average total assets | $147,132,330 | 3,898 |
| Average earning assets | $135,674,330 | 3,868 |
| Average equity | $12,896,670 | 4,367 |
| Average total loans | $104,095,000 | 3,580 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 1,853 |
| Cost of funding earning assets | 1.3094% | 2,124 |
| Net interest margin | 3.9958% | 2,702 |
| Noninterest income to average assets | 0.5817% | 3,294 |
| Noninterest expense to average assets | 2.9952% | 3,661 |
| Loan and lease loss provision to assets | 0.3463% | 2,487 |
| Net operating income to assets | 0.6034% | 4,019 |
| Return on assets (ROA) | 0.6034% | 4,083 |
| Pretax return on assets | 0.9145% | 3,444 |
| Return on Equity (ROE) | 6.9920% | 3,383 |
| Retained earnings to average equity (ytd only) | 2.6024% | 4,602 |
| Net charge-offs to loans | 0.1434% | 3,636 |
| Credit loss provision to net charge-offs | 345.9459% | 947 |
| Earnings coverage of net charge-offs (x) | 12.5946% | 1,489 |
| Efficiency ratio | 70.3751% | 4,183 |
| Assets per employee ($millions) | 2.6955% | 6,700 |
| Cash dividends to net income (ytd only)* | 62.7803% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,619 |
| Loan loss allowance to noncurrent loans | 123.4894% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 2.8027% | 2,457 |
| Noncurrent loans to loans | 1.1409% | 4,795 |
| Net loans and leases to total assets | 68.4915% | 2,453 |
| Net loans and leases to deposits | 78.9918% | 2,898 |
| Net loans and leases to core deposits | 83.7050% | 3,206 |
| Total domestic deposits to total assets | 86.7071% | 3,117 |
| Equity capital to assets | 8.6346% | 5,733 |
| Core capital (leverage) ratio | 8.4620% | 5,526 |
| Tier 1 risk-based capital ratio | 12.5457% | 5,226 |
| Total risk-based capital ratio | 13.7983% | 5,199 |
| Memoranda: | ||
| Average total assets | $147,835,500 | 3,914 |
| Average earning assets | $135,943,000 | 3,898 |
| Average equity | $12,757,500 | 4,395 |
| Average total loans | $103,179,500 | 3,637 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 2,218 |
| Cost of funding earning assets | 1.5335% | 2,454 |
| Net interest margin | 3.9822% | 3,093 |
| Noninterest income to average assets | 0.4804% | 4,313 |
| Noninterest expense to average assets | 3.1758% | 3,171 |
| Loan and lease loss provision to assets | 0.5199% | 3,074 |
| Net operating income to assets | 0.3464% | 4,755 |
| Return on assets (ROA) | 0.3464% | 4,915 |
| Pretax return on assets | 0.4547% | 4,779 |
| Return on Equity (ROE) | 3.9468% | 4,551 |
| Retained earnings to average equity (ytd only) | 1.9695% | 4,488 |
| Net charge-offs to loans | 0.7910% | 2,665 |
| Credit loss provision to net charge-offs | 90.6780% | 5,102 |
| Earnings coverage of net charge-offs (x) | 1.6998% | 4,450 |
| Efficiency ratio | 76.5178% | 2,959 |
| Assets per employee ($millions) | 2.6325% | 6,797 |
| Cash dividends to net income (ytd only)* | 50.1002% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,920 |
| Loan loss allowance to noncurrent loans | 113.0507% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 3.1088% | 2,274 |
| Noncurrent loans to loans | 1.1638% | 4,777 |
| Net loans and leases to total assets | 69.1960% | 2,725 |
| Net loans and leases to deposits | 81.9058% | 2,824 |
| Net loans and leases to core deposits | 86.5692% | 3,244 |
| Total domestic deposits to total assets | 84.4823% | 4,122 |
| Equity capital to assets | 8.6244% | 5,688 |
| Core capital (leverage) ratio | 8.7028% | 5,014 |
| Tier 1 risk-based capital ratio | 12.3602% | 5,151 |
| Total risk-based capital ratio | 13.6111% | 5,120 |
| Memoranda: | ||
| Average total assets | $144,058,600 | 3,983 |
| Average earning assets | $132,767,400 | 3,958 |
| Average equity | $12,643,000 | 4,449 |
| Average total loans | $104,425,600 | 3,668 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 2,336 |
| Cost of funding earning assets | 1.5911% | 2,440 |
| Net interest margin | 3.9343% | 3,385 |
| Noninterest income to average assets | 0.5279% | 3,958 |
| Noninterest expense to average assets | 3.1625% | 3,058 |
| Loan and lease loss provision to assets | 0.5502% | 2,744 |
| Net operating income to assets | 0.3379% | 5,017 |
| Return on assets (ROA) | 0.3379% | 5,192 |
| Pretax return on assets | 0.4478% | 5,082 |
| Return on Equity (ROE) | 3.8335% | 4,855 |
| Retained earnings to average equity (ytd only) | 1.1933% | 5,339 |
| Net charge-offs to loans | 0.5438% | 3,123 |
| Credit loss provision to net charge-offs | 138.4075% | 2,883 |
| Earnings coverage of net charge-offs (x) | 2.5105% | 3,913 |
| Efficiency ratio | 76.0125% | 2,950 |
| Assets per employee ($millions) | 2.5567% | 7,004 |
| Cash dividends to net income (ytd only)* | 68.8713% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 3,700 |
| Loan loss allowance to noncurrent loans | 50.7931% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 4.0608% | 1,714 |
| Noncurrent loans to loans | 3.0714% | 2,600 |
| Net loans and leases to total assets | 70.5589% | 2,601 |
| Net loans and leases to deposits | 84.7031% | 2,577 |
| Net loans and leases to core deposits | 89.4047% | 3,187 |
| Total domestic deposits to total assets | 83.3014% | 4,458 |
| Equity capital to assets | 8.8710% | 5,744 |
| Core capital (leverage) ratio | 8.6293% | 5,297 |
| Tier 1 risk-based capital ratio | 12.5532% | 4,933 |
| Total risk-based capital ratio | 13.8074% | 4,909 |
| Memoranda: | ||
| Average total assets | $143,218,500 | 4,051 |
| Average earning assets | $132,236,000 | 4,025 |
| Average equity | $12,625,250 | 4,517 |
| Average total loans | $104,690,000 | 3,719 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 2,543 |
| Cost of funding earning assets | 1.6383% | 2,443 |
| Net interest margin | 3.8554% | 3,653 |
| Noninterest income to average assets | 0.5571% | 3,646 |
| Noninterest expense to average assets | 3.0984% | 3,332 |
| Loan and lease loss provision to assets | 0.6172% | 2,316 |
| Net operating income to assets | 0.3030% | 5,171 |
| Return on assets (ROA) | 0.3030% | 5,329 |
| Pretax return on assets | 0.4035% | 5,213 |
| Return on Equity (ROE) | 3.4444% | 5,039 |
| Retained earnings to average equity (ytd only) | 1.5397% | 5,101 |
| Net charge-offs to loans | 0.5618% | 2,851 |
| Credit loss provision to net charge-offs | 149.3243% | 2,641 |
| Earnings coverage of net charge-offs (x) | 2.4696% | 3,761 |
| Efficiency ratio | 75.2203% | 3,224 |
| Assets per employee ($millions) | 2.6126% | 6,925 |
| Cash dividends to net income (ytd only)* | 55.2995% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,856 |
| Loan loss allowance to noncurrent loans | 39.4324% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 4.1609% | 1,625 |
| Noncurrent loans to loans | 3.8351% | 2,007 |
| Net loans and leases to total assets | 71.7907% | 2,459 |
| Net loans and leases to deposits | 87.2167% | 2,302 |
| Net loans and leases to core deposits | 92.1194% | 2,966 |
| Total domestic deposits to total assets | 82.3131% | 4,864 |
| Equity capital to assets | 8.8403% | 5,687 |
| Core capital (leverage) ratio | 8.6161% | 5,209 |
| Tier 1 risk-based capital ratio | 12.3901% | 4,956 |
| Total risk-based capital ratio | 13.6444% | 4,933 |
| Memoranda: | ||
| Average total assets | $143,233,330 | 4,069 |
| Average earning assets | $132,333,330 | 4,051 |
| Average equity | $12,600,000 | 4,527 |
| Average total loans | $105,379,000 | 3,734 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 2,634 |
| Cost of funding earning assets | 1.6167% | 2,858 |
| Net interest margin | 3.8734% | 3,438 |
| Noninterest income to average assets | 0.5566% | 3,594 |
| Noninterest expense to average assets | 3.0125% | 3,630 |
| Loan and lease loss provision to assets | 0.5734% | 2,205 |
| Net operating income to assets | 0.3804% | 4,923 |
| Return on assets (ROA) | 0.3804% | 5,056 |
| Pretax return on assets | 0.5426% | 4,809 |
| Return on Equity (ROE) | 4.3352% | 4,745 |
| Retained earnings to average equity (ytd only) | 0.5100% | 5,627 |
| Net charge-offs to loans | 0.8061% | 1,927 |
| Credit loss provision to net charge-offs | 96.2441% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.8732% | 3,606 |
| Efficiency ratio | 72.9675% | 3,763 |
| Assets per employee ($millions) | 2.6135% | 7,014 |
| Cash dividends to net income (ytd only)* | 88.2353% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,624 |
| Loan loss allowance to noncurrent loans | 62.3745% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.9629% | 2,427 |
| Noncurrent loans to loans | 2.1813% | 3,556 |
| Net loans and leases to total assets | 72.0750% | 2,427 |
| Net loans and leases to deposits | 87.8333% | 2,248 |
| Net loans and leases to core deposits | 92.5762% | 3,032 |
| Total domestic deposits to total assets | 82.0588% | 5,053 |
| Equity capital to assets | 8.7448% | 5,663 |
| Core capital (leverage) ratio | 8.6372% | 5,142 |
| Tier 1 risk-based capital ratio | 12.3054% | 4,899 |
| Total risk-based capital ratio | 13.5573% | 4,856 |
| Memoranda: | ||
| Average total assets | $143,003,000 | 4,138 |
| Average earning assets | $131,874,500 | 4,118 |
| Average equity | $12,548,500 | 4,576 |
| Average total loans | $105,697,000 | 3,785 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8956% | 2,256 |
| Cost of funding earning assets | 1.9008% | 3,458 |
| Net interest margin | 3.9948% | 2,881 |
| Noninterest income to average assets | 0.6268% | 3,450 |
| Noninterest expense to average assets | 3.3771% | 2,754 |
| Loan and lease loss provision to assets | 0.7088% | 2,992 |
| Net operating income to assets | 0.1825% | 4,956 |
| Return on assets (ROA) | 0.2466% | 4,812 |
| Pretax return on assets | 0.3062% | 4,742 |
| Return on Equity (ROE) | 2.7426% | 4,610 |
| Retained earnings to average equity (ytd only) | 0.5357% | 4,607 |
| Net charge-offs to loans | 0.5799% | 3,482 |
| Credit loss provision to net charge-offs | 160.8483% | 2,767 |
| Earnings coverage of net charge-offs (x) | 2.1240% | 4,138 |
| Efficiency ratio | 78.3000% | 3,146 |
| Assets per employee ($millions) | 2.6842% | 6,883 |
| Cash dividends to net income (ytd only)* | 80.4665% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,468 |
| Loan loss allowance to noncurrent loans | 50.5626% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 3.0373% | 2,300 |
| Noncurrent loans to loans | 2.6739% | 2,866 |
| Net loans and leases to total assets | 73.7537% | 2,325 |
| Net loans and leases to deposits | 90.8512% | 2,076 |
| Net loans and leases to core deposits | 106.7483% | 3,244 |
| Total domestic deposits to total assets | 81.1808% | 5,274 |
| Equity capital to assets | 8.8055% | 5,428 |
| Core capital (leverage) ratio | 8.8362% | 4,711 |
| Tier 1 risk-based capital ratio | 12.3412% | 4,645 |
| Total risk-based capital ratio | 13.5934% | 4,606 |
| Memoranda: | ||
| Average total assets | $139,114,200 | 4,140 |
| Average earning assets | $128,367,800 | 4,124 |
| Average equity | $12,506,400 | 4,632 |
| Average total loans | $105,700,400 | 3,787 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9017% | 2,441 |
| Cost of funding earning assets | 1.9651% | 3,543 |
| Net interest margin | 3.9365% | 3,092 |
| Noninterest income to average assets | 0.6246% | 3,529 |
| Noninterest expense to average assets | 3.4449% | 2,437 |
| Loan and lease loss provision to assets | 0.6256% | 2,889 |
| Net operating income to assets | 0.1595% | 5,286 |
| Return on assets (ROA) | 0.2496% | 5,074 |
| Pretax return on assets | 0.2940% | 5,080 |
| Return on Equity (ROE) | 2.7623% | 4,895 |
| Retained earnings to average equity (ytd only) | -0.1813% | 5,256 |
| Net charge-offs to loans | 0.5673% | 2,984 |
| Credit loss provision to net charge-offs | 144.5434% | 3,371 |
| Earnings coverage of net charge-offs (x) | 1.8797% | 4,400 |
| Efficiency ratio | 80.8963% | 2,720 |
| Assets per employee ($millions) | 2.5966% | 7,055 |
| Cash dividends to net income (ytd only)* | 106.5649% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 5,355 |
| Loan loss allowance to noncurrent loans | 46.0000% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 3.1530% | 2,162 |
| Noncurrent loans to loans | 2.5236% | 2,984 |
| Net loans and leases to total assets | 76.8138% | 1,817 |
| Net loans and leases to deposits | 96.7535% | 1,483 |
| Net loans and leases to core deposits | 114.6882% | 2,761 |
| Total domestic deposits to total assets | 79.3912% | 5,665 |
| Equity capital to assets | 8.9354% | 5,580 |
| Core capital (leverage) ratio | 8.7193% | 5,101 |
| Tier 1 risk-based capital ratio | 12.1916% | 4,801 |
| Total risk-based capital ratio | 13.4421% | 4,751 |
| Memoranda: | ||
| Average total assets | $138,326,750 | 4,177 |
| Average earning assets | $127,689,500 | 4,156 |
| Average equity | $12,501,250 | 4,658 |
| Average total loans | $105,534,750 | 3,834 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9114% | 2,537 |
| Cost of funding earning assets | 2.0191% | 3,685 |
| Net interest margin | 3.8923% | 3,151 |
| Noninterest income to average assets | 0.6100% | 3,607 |
| Noninterest expense to average assets | 3.5092% | 2,310 |
| Loan and lease loss provision to assets | 0.5461% | 2,837 |
| Net operating income to assets | 0.1383% | 5,456 |
| Return on assets (ROA) | 0.2789% | 5,086 |
| Pretax return on assets | 0.3181% | 5,171 |
| Return on Equity (ROE) | 3.0740% | 4,871 |
| Retained earnings to average equity (ytd only) | 0.5123% | 5,001 |
| Net charge-offs to loans | 0.5499% | 2,677 |
| Credit loss provision to net charge-offs | 131.0105% | 3,562 |
| Earnings coverage of net charge-offs (x) | 1.6899% | 4,283 |
| Efficiency ratio | 83.2816% | 2,569 |
| Assets per employee ($millions) | 2.5870% | 7,081 |
| Cash dividends to net income (ytd only)* | 83.3333% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,631 |
| Loan loss allowance to noncurrent loans | 40.4561% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 3.4403% | 1,813 |
| Noncurrent loans to loans | 2.7095% | 2,658 |
| Net loans and leases to total assets | 74.4699% | 2,577 |
| Net loans and leases to deposits | 93.7952% | 2,120 |
| Net loans and leases to core deposits | 111.2129% | 3,234 |
| Total domestic deposits to total assets | 79.3963% | 5,686 |
| Equity capital to assets | 8.9171% | 5,424 |
| Core capital (leverage) ratio | 8.8431% | 4,872 |
| Tier 1 risk-based capital ratio | 12.2837% | 4,690 |
| Total risk-based capital ratio | 13.4329% | 4,679 |
| Memoranda: | ||
| Average total assets | $137,696,670 | 4,224 |
| Average earning assets | $127,483,330 | 4,191 |
| Average equity | $12,492,000 | 4,682 |
| Average total loans | $104,389,330 | 3,903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0354% | 2,214 |
| Cost of funding earning assets | 2.0964% | 3,670 |
| Net interest margin | 3.9390% | 2,888 |
| Noninterest income to average assets | 0.6379% | 3,288 |
| Noninterest expense to average assets | 3.5319% | 2,023 |
| Loan and lease loss provision to assets | 0.3628% | 3,146 |
| Net operating income to assets | 0.3219% | 5,204 |
| Return on assets (ROA) | 0.3219% | 5,376 |
| Pretax return on assets | 0.3775% | 5,458 |
| Return on Equity (ROE) | 3.5173% | 5,163 |
| Retained earnings to average equity (ytd only) | -1.5988% | 6,016 |
| Net charge-offs to loans | 0.7885% | 1,634 |
| Credit loss provision to net charge-offs | 60.4878% | 4,510 |
| Earnings coverage of net charge-offs (x) | 1.2341% | 4,134 |
| Efficiency ratio | 82.6712% | 2,454 |
| Assets per employee ($millions) | 2.5105% | 7,257 |
| Cash dividends to net income (ytd only)* | 145.4545% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,558 |
| Loan loss allowance to noncurrent loans | 42.7083% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.1960% | 1,736 |
| Noncurrent loans to loans | 2.2001% | 2,975 |
| Net loans and leases to total assets | 75.1287% | 2,473 |
| Net loans and leases to deposits | 96.0777% | 1,931 |
| Net loans and leases to core deposits | 114.1837% | 2,991 |
| Total domestic deposits to total assets | 78.1958% | 5,945 |
| Equity capital to assets | 9.0528% | 5,288 |
| Core capital (leverage) ratio | 8.9347% | 4,815 |
| Tier 1 risk-based capital ratio | 12.2233% | 4,772 |
| Total risk-based capital ratio | 13.2059% | 4,903 |
| Memoranda: | ||
| Average total assets | $136,696,000 | 4,262 |
| Average earning assets | $126,122,000 | 4,241 |
| Average equity | $12,509,500 | 4,704 |
| Average total loans | $103,991,000 | 3,939 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6862% | 2,077 |
| Cost of funding earning assets | 2.6507% | 3,424 |
| Net interest margin | 4.0355% | 2,957 |
| Noninterest income to average assets | 0.6635% | 3,381 |
| Noninterest expense to average assets | 3.1281% | 3,593 |
| Loan and lease loss provision to assets | 0.5373% | 2,678 |
| Net operating income to assets | 0.4964% | 4,748 |
| Return on assets (ROA) | 0.4974% | 4,588 |
| Pretax return on assets | 0.7142% | 4,352 |
| Return on Equity (ROE) | 5.5420% | 4,138 |
| Retained earnings to average equity (ytd only) | 0.5332% | 4,918 |
| Net charge-offs to loans | 1.0566% | 1,163 |
| Credit loss provision to net charge-offs | 65.8082% | 6,146 |
| Earnings coverage of net charge-offs (x) | 1.5311% | 5,335 |
| Efficiency ratio | 71.4475% | 4,043 |
| Assets per employee ($millions) | 2.4602% | 7,274 |
| Cash dividends to net income (ytd only)* | 90.3790% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 5,764 |
| Loan loss allowance to noncurrent loans | 38.9397% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 3.5436% | 1,251 |
| Noncurrent loans to loans | 2.6486% | 2,046 |
| Net loans and leases to total assets | 75.5256% | 2,751 |
| Net loans and leases to deposits | 97.0532% | 2,284 |
| Net loans and leases to core deposits | 116.7554% | 3,034 |
| Total domestic deposits to total assets | 77.8188% | 5,768 |
| Equity capital to assets | 9.2519% | 5,000 |
| Core capital (leverage) ratio | 9.1399% | 4,540 |
| Tier 1 risk-based capital ratio | 12.3939% | 4,511 |
| Total risk-based capital ratio | 13.4677% | 4,544 |
| Memoranda: | ||
| Average total assets | $137,913,000 | 4,123 |
| Average earning assets | $126,948,400 | 4,108 |
| Average equity | $12,378,200 | 4,733 |
| Average total loans | $106,570,600 | 3,774 |