Home > People's Bank and Trust Company of Pickett County > Performance and Condition Ratios
People's Bank and Trust Company of Pickett County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1321% | 203 |
| Cost of funding earning assets | 2.2035% | 635 |
| Net interest margin | 4.9286% | 349 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.1402% | 897 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4607% | 1,097 |
| Return on assets (ROA) | 1.4607% | 1,068 |
| Pretax return on assets | 1.8943% | 780 |
| Return on Equity (ROE) | 14.7200% | 1,338 |
| Retained earnings to average equity (ytd only) | 10.6189% | 870 |
| Net charge-offs to loans | 0.0998% | 910 |
| Credit loss provision to net charge-offs | 131.8919% | 1,581 |
| Earnings coverage of net charge-offs (x) | 26.3514% | 1,711 |
| Efficiency ratio | 61.1616% | 2,952 |
| Assets per employee ($millions) | 4.8108% | 3,769 |
| Cash dividends to net income (ytd only)* | 27.8633% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,424 |
| Loan loss allowance to noncurrent loans | 107.5083% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 768 |
| Noncurrent loans to loans | 0.9096% | 826 |
| Net loans and leases to total assets | 73.9700% | 1,367 |
| Net loans and leases to deposits | 82.9862% | 1,864 |
| Net loans and leases to core deposits | 94.9877% | 1,712 |
| Total domestic deposits to total assets | 89.1400% | 1,022 |
| Equity capital to assets | 9.7818% | 2,135 |
| Core capital (leverage) ratio | 10.9090% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $244,475,400 | 2,714 |
| Average earning assets | $231,362,000 | 2,678 |
| Average equity | $24,258,600 | 2,566 |
| Average total loans | $185,369,400 | 2,394 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9717% | 203 |
| Cost of funding earning assets | 1.9817% | 726 |
| Net interest margin | 4.9900% | 311 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 3.0130% | 1,056 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.6059% | 936 |
| Return on assets (ROA) | 1.6059% | 927 |
| Pretax return on assets | 2.0848% | 676 |
| Return on Equity (ROE) | 16.1200% | 1,235 |
| Retained earnings to average equity (ytd only) | 11.3415% | 1,100 |
| Net charge-offs to loans | 0.0541% | 1,133 |
| Credit loss provision to net charge-offs | 248.6486% | 991 |
| Earnings coverage of net charge-offs (x) | 53.0811% | 1,276 |
| Efficiency ratio | 57.9398% | 3,212 |
| Assets per employee ($millions) | 4.5153% | 3,930 |
| Cash dividends to net income (ytd only)* | 29.6463% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,209 |
| Loan loss allowance to noncurrent loans | 146.4207% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 956 |
| Noncurrent loans to loans | 0.7037% | 1,176 |
| Net loans and leases to total assets | 76.7400% | 1,024 |
| Net loans and leases to deposits | 86.2024% | 1,546 |
| Net loans and leases to core deposits | 98.8183% | 1,392 |
| Total domestic deposits to total assets | 89.0200% | 1,242 |
| Equity capital to assets | 9.8198% | 1,930 |
| Core capital (leverage) ratio | 11.3622% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $239,446,000 | 2,749 |
| Average earning assets | $226,395,000 | 2,714 |
| Average equity | $23,852,750 | 2,574 |
| Average total loans | $182,296,750 | 2,423 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7247% | 212 |
| Cost of funding earning assets | 1.7899% | 748 |
| Net interest margin | 4.9349% | 336 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.0903% | 917 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.5392% | 1,036 |
| Return on assets (ROA) | 1.5392% | 1,028 |
| Pretax return on assets | 1.9621% | 786 |
| Return on Equity (ROE) | 15.3800% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.9928% | 808 |
| Net charge-offs to loans | 0.1062% | 655 |
| Credit loss provision to net charge-offs | 129.4737% | 1,291 |
| Earnings coverage of net charge-offs (x) | 25.7158% | 1,622 |
| Efficiency ratio | 59.9311% | 2,971 |
| Assets per employee ($millions) | 4.6483% | 3,864 |
| Cash dividends to net income (ytd only)* | 15.4945% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,338 |
| Loan loss allowance to noncurrent loans | 202.7719% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 1,312 |
| Noncurrent loans to loans | 0.5037% | 1,452 |
| Net loans and leases to total assets | 76.2500% | 1,024 |
| Net loans and leases to deposits | 85.6727% | 1,524 |
| Net loans and leases to core deposits | 97.8353% | 1,361 |
| Total domestic deposits to total assets | 89.0000% | 1,261 |
| Equity capital to assets | 10.1033% | 1,795 |
| Core capital (leverage) ratio | 11.3670% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $236,480,000 | 2,778 |
| Average earning assets | $223,593,000 | 2,743 |
| Average equity | $23,674,667 | 2,588 |
| Average total loans | $178,877,333 | 2,453 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4253% | 198 |
| Cost of funding earning assets | 1.6208% | 672 |
| Net interest margin | 4.8045% | 369 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.0839% | 958 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.4265% | 1,335 |
| Return on assets (ROA) | 1.4265% | 1,309 |
| Pretax return on assets | 1.8284% | 1,020 |
| Return on Equity (ROE) | 14.3200% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.4758% | 1,821 |
| Net charge-offs to loans | 0.1278% | 512 |
| Credit loss provision to net charge-offs | 108.9286% | 1,069 |
| Earnings coverage of net charge-offs (x) | 20.1786% | 1,449 |
| Efficiency ratio | 61.4729% | 2,756 |
| Assets per employee ($millions) | 5.0893% | 3,583 |
| Cash dividends to net income (ytd only)* | 33.8129% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,274 |
| Loan loss allowance to noncurrent loans | 185.4886% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 1,160 |
| Noncurrent loans to loans | 0.5681% | 1,311 |
| Net loans and leases to total assets | 73.7600% | 1,234 |
| Net loans and leases to deposits | 82.6596% | 1,600 |
| Net loans and leases to core deposits | 93.1303% | 1,448 |
| Total domestic deposits to total assets | 89.2400% | 1,448 |
| Equity capital to assets | 9.9153% | 1,864 |
| Core capital (leverage) ratio | 11.1644% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $233,863,000 | 2,825 |
| Average earning assets | $220,876,000 | 2,793 |
| Average equity | $23,301,500 | 2,637 |
| Average total loans | $175,209,000 | 2,506 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6550% | 127 |
| Cost of funding earning assets | 0.6244% | 813 |
| Net interest margin | 5.0307% | 131 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.9235% | 1,088 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.7240% | 515 |
| Return on assets (ROA) | 1.7240% | 490 |
| Pretax return on assets | 2.2480% | 291 |
| Return on Equity (ROE) | 16.6400% | 931 |
| Retained earnings to average equity (ytd only) | 12.1997% | 631 |
| Net charge-offs to loans | 0.0781% | 865 |
| Credit loss provision to net charge-offs | 151.2000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 40.4640% | 1,502 |
| Efficiency ratio | 55.5926% | 3,620 |
| Assets per employee ($millions) | 4.8623% | 3,771 |
| Cash dividends to net income (ytd only)* | 26.7006% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 2,946 |
| Loan loss allowance to noncurrent loans | 159.3537% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 939 |
| Noncurrent loans to loans | 0.6833% | 1,094 |
| Net loans and leases to total assets | 74.4900% | 1,179 |
| Net loans and leases to deposits | 83.3161% | 1,517 |
| Net loans and leases to core deposits | 92.4322% | 1,366 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 10.0145% | 1,697 |
| Core capital (leverage) ratio | 11.4218% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $216,588,800 | 2,932 |
| Average earning assets | $204,526,200 | 2,898 |
| Average equity | $22,435,000 | 2,739 |
| Average total loans | $160,102,800 | 2,538 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4930% | 116 |
| Cost of funding earning assets | 0.5024% | 748 |
| Net interest margin | 4.9906% | 120 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.8157% | 1,220 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.7995% | 432 |
| Return on assets (ROA) | 1.7995% | 421 |
| Pretax return on assets | 2.3364% | 260 |
| Return on Equity (ROE) | 17.2200% | 757 |
| Retained earnings to average equity (ytd only) | 12.0953% | 776 |
| Net charge-offs to loans | 0.0577% | 899 |
| Credit loss provision to net charge-offs | 211.7647% | 951 |
| Earnings coverage of net charge-offs (x) | 57.1618% | 1,203 |
| Efficiency ratio | 53.7152% | 3,842 |
| Assets per employee ($millions) | 4.6400% | 3,947 |
| Cash dividends to net income (ytd only)* | 29.7607% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 2,976 |
| Loan loss allowance to noncurrent loans | 156.3847% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 965 |
| Noncurrent loans to loans | 0.7084% | 1,152 |
| Net loans and leases to total assets | 77.1900% | 783 |
| Net loans and leases to deposits | 86.3641% | 1,145 |
| Net loans and leases to core deposits | 92.8442% | 1,148 |
| Total domestic deposits to total assets | 89.3800% | 1,927 |
| Equity capital to assets | 10.0288% | 1,608 |
| Core capital (leverage) ratio | 11.4880% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $213,603,750 | 2,977 |
| Average earning assets | $201,707,500 | 2,941 |
| Average equity | $22,322,250 | 2,792 |
| Average total loans | $157,104,000 | 2,568 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 120 |
| Cost of funding earning assets | 0.4983% | 523 |
| Net interest margin | 4.7896% | 132 |
| Noninterest income to average assets | 0.5384% | 2,001 |
| Noninterest expense to average assets | 2.7636% | 1,237 |
| Loan and lease loss provision to assets | 0.0915% | 1,084 |
| Net operating income to assets | 1.7010% | 429 |
| Return on assets (ROA) | 1.7010% | 419 |
| Pretax return on assets | 2.2054% | 244 |
| Return on Equity (ROE) | 16.0551% | 689 |
| Retained earnings to average equity (ytd only) | 12.2816% | 565 |
| Net charge-offs to loans | 0.0655% | 762 |
| Credit loss provision to net charge-offs | 194.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 48.7200% | 1,172 |
| Efficiency ratio | 54.6115% | 3,905 |
| Assets per employee ($millions) | 4.6899% | 3,936 |
| Cash dividends to net income (ytd only)* | 23.5033% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,859 |
| Loan loss allowance to noncurrent loans | 162.7520% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 1,069 |
| Noncurrent loans to loans | 0.7182% | 1,204 |
| Net loans and leases to total assets | 72.7835% | 1,031 |
| Net loans and leases to deposits | 81.4974% | 1,280 |
| Net loans and leases to core deposits | 87.6762% | 1,239 |
| Total domestic deposits to total assets | 89.3078% | 2,041 |
| Equity capital to assets | 10.1550% | 1,622 |
| Core capital (leverage) ratio | 11.6605% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,111,000 | 3,014 |
| Average earning assets | $200,269,333 | 2,989 |
| Average equity | $22,472,667 | 2,856 |
| Average total loans | $152,727,667 | 2,616 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 131 |
| Cost of funding earning assets | 0.5028% | 485 |
| Net interest margin | 4.6100% | 154 |
| Noninterest income to average assets | 0.5858% | 1,754 |
| Noninterest expense to average assets | 2.5621% | 1,715 |
| Loan and lease loss provision to assets | 0.0932% | 885 |
| Net operating income to assets | 1.7632% | 355 |
| Return on assets (ROA) | 1.7632% | 359 |
| Pretax return on assets | 2.2901% | 231 |
| Return on Equity (ROE) | 16.2953% | 506 |
| Retained earnings to average equity (ytd only) | 11.3030% | 725 |
| Net charge-offs to loans | 0.0909% | 560 |
| Credit loss provision to net charge-offs | 144.1176% | 877 |
| Earnings coverage of net charge-offs (x) | 36.8529% | 1,040 |
| Efficiency ratio | 51.8077% | 4,212 |
| Assets per employee ($millions) | 4.6596% | 4,030 |
| Cash dividends to net income (ytd only)* | 30.6365% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,945 |
| Loan loss allowance to noncurrent loans | 158.9721% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 1,122 |
| Noncurrent loans to loans | 0.7447% | 1,280 |
| Net loans and leases to total assets | 71.0702% | 917 |
| Net loans and leases to deposits | 79.9557% | 1,150 |
| Net loans and leases to core deposits | 85.8902% | 1,137 |
| Total domestic deposits to total assets | 88.8870% | 2,124 |
| Equity capital to assets | 10.4561% | 1,605 |
| Core capital (leverage) ratio | 11.3812% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,298,000 | 3,041 |
| Average earning assets | $198,873,500 | 3,011 |
| Average equity | $22,755,000 | 2,927 |
| Average total loans | $149,652,500 | 2,631 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7558% | 102 |
| Cost of funding earning assets | 0.6136% | 509 |
| Net interest margin | 5.1422% | 114 |
| Noninterest income to average assets | 0.6525% | 1,935 |
| Noninterest expense to average assets | 3.2472% | 677 |
| Loan and lease loss provision to assets | 0.0802% | 1,529 |
| Net operating income to assets | 1.6732% | 673 |
| Return on assets (ROA) | 1.6772% | 696 |
| Pretax return on assets | 2.1827% | 430 |
| Return on Equity (ROE) | 14.7886% | 996 |
| Retained earnings to average equity (ytd only) | 10.9846% | 703 |
| Net charge-offs to loans | 0.1329% | 695 |
| Credit loss provision to net charge-offs | 85.3261% | 1,915 |
| Earnings coverage of net charge-offs (x) | 24.0326% | 1,757 |
| Efficiency ratio | 58.9872% | 3,301 |
| Assets per employee ($millions) | 4.5834% | 4,053 |
| Cash dividends to net income (ytd only)* | 25.7230% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,636 |
| Loan loss allowance to noncurrent loans | 151.9731% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 1,143 |
| Noncurrent loans to loans | 0.8206% | 1,244 |
| Net loans and leases to total assets | 69.4952% | 1,094 |
| Net loans and leases to deposits | 78.8106% | 1,317 |
| Net loans and leases to core deposits | 84.3719% | 1,302 |
| Total domestic deposits to total assets | 88.1801% | 1,941 |
| Equity capital to assets | 11.1989% | 1,665 |
| Core capital (leverage) ratio | 11.4220% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,858,400 | 3,090 |
| Average earning assets | $184,822,800 | 3,066 |
| Average equity | $22,213,000 | 3,043 |
| Average total loans | $138,429,000 | 2,744 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8755% | 97 |
| Cost of funding earning assets | 0.6364% | 529 |
| Net interest margin | 5.2391% | 115 |
| Noninterest income to average assets | 0.6713% | 1,926 |
| Noninterest expense to average assets | 3.1453% | 769 |
| Loan and lease loss provision to assets | 0.0088% | 2,811 |
| Net operating income to assets | 1.8863% | 575 |
| Return on assets (ROA) | 1.8917% | 591 |
| Pretax return on assets | 2.4650% | 358 |
| Return on Equity (ROE) | 16.6240% | 828 |
| Retained earnings to average equity (ytd only) | 12.3498% | 761 |
| Net charge-offs to loans | 0.1511% | 551 |
| Credit loss provision to net charge-offs | 8.3871% | 2,025 |
| Earnings coverage of net charge-offs (x) | 23.0710% | 1,670 |
| Efficiency ratio | 56.0418% | 3,526 |
| Assets per employee ($millions) | 4.5138% | 4,113 |
| Cash dividends to net income (ytd only)* | 25.7112% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 3,003 |
| Loan loss allowance to noncurrent loans | 129.0937% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 1,169 |
| Noncurrent loans to loans | 0.9271% | 1,237 |
| Net loans and leases to total assets | 68.8921% | 1,209 |
| Net loans and leases to deposits | 78.3120% | 1,455 |
| Net loans and leases to core deposits | 83.9498% | 1,432 |
| Total domestic deposits to total assets | 87.9713% | 1,864 |
| Equity capital to assets | 11.2804% | 1,832 |
| Core capital (leverage) ratio | 11.4527% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,259,750 | 3,151 |
| Average earning assets | $182,267,000 | 3,116 |
| Average equity | $21,991,750 | 3,089 |
| Average total loans | $136,749,750 | 2,800 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6173% | 148 |
| Cost of funding earning assets | 0.5952% | 766 |
| Net interest margin | 5.0221% | 162 |
| Noninterest income to average assets | 0.7083% | 1,775 |
| Noninterest expense to average assets | 2.8681% | 1,217 |
| Loan and lease loss provision to assets | 0.0139% | 2,677 |
| Net operating income to assets | 1.9956% | 489 |
| Return on assets (ROA) | 1.9956% | 513 |
| Pretax return on assets | 2.5814% | 313 |
| Return on Equity (ROE) | 16.9627% | 787 |
| Retained earnings to average equity (ytd only) | 13.7689% | 583 |
| Net charge-offs to loans | 0.4123% | 200 |
| Credit loss provision to net charge-offs | 4.8780% | 1,786 |
| Earnings coverage of net charge-offs (x) | 9.0976% | 1,850 |
| Efficiency ratio | 52.4962% | 3,988 |
| Assets per employee ($millions) | 4.3671% | 4,208 |
| Cash dividends to net income (ytd only)* | 18.8285% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,901 |
| Loan loss allowance to noncurrent loans | 140.8063% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 1,200 |
| Noncurrent loans to loans | 1.0065% | 1,221 |
| Net loans and leases to total assets | 67.0831% | 1,569 |
| Net loans and leases to deposits | 76.7548% | 1,747 |
| Net loans and leases to core deposits | 80.9945% | 1,801 |
| Total domestic deposits to total assets | 87.3992% | 2,131 |
| Equity capital to assets | 11.7892% | 1,466 |
| Core capital (leverage) ratio | 11.7580% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,719,000 | 3,593 |
| Average earning assets | $136,079,000 | 3,559 |
| Average equity | $16,907,667 | 3,524 |
| Average total loans | $99,440,667 | 3,260 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4605% | 198 |
| Cost of funding earning assets | 0.6250% | 780 |
| Net interest margin | 4.8355% | 231 |
| Noninterest income to average assets | 0.8349% | 1,503 |
| Noninterest expense to average assets | 2.9405% | 1,085 |
| Loan and lease loss provision to assets | 0.0198% | 2,522 |
| Net operating income to assets | 1.8764% | 691 |
| Return on assets (ROA) | 1.8764% | 741 |
| Pretax return on assets | 2.4509% | 475 |
| Return on Equity (ROE) | 15.9672% | 1,018 |
| Retained earnings to average equity (ytd only) | 9.4647% | 1,808 |
| Net charge-offs to loans | 0.4096% | 203 |
| Credit loss provision to net charge-offs | 6.9307% | 1,458 |
| Earnings coverage of net charge-offs (x) | 8.6436% | 1,567 |
| Efficiency ratio | 54.3410% | 3,746 |
| Assets per employee ($millions) | 4.2751% | 4,291 |
| Cash dividends to net income (ytd only)* | 40.7240% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,461 |
| Loan loss allowance to noncurrent loans | 129.6954% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8132% | 1,089 |
| Noncurrent loans to loans | 1.1877% | 1,112 |
| Net loans and leases to total assets | 67.4108% | 1,607 |
| Net loans and leases to deposits | 76.7264% | 1,832 |
| Net loans and leases to core deposits | 81.0343% | 1,907 |
| Total domestic deposits to total assets | 87.8587% | 1,911 |
| Equity capital to assets | 11.4926% | 1,548 |
| Core capital (leverage) ratio | 12.0259% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,337,000 | 3,623 |
| Average earning assets | $133,760,500 | 3,587 |
| Average equity | $16,609,000 | 3,549 |
| Average total loans | $98,641,500 | 3,279 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7902% | 119 |
| Cost of funding earning assets | 0.9798% | 643 |
| Net interest margin | 4.8105% | 169 |
| Noninterest income to average assets | 0.6928% | 1,890 |
| Noninterest expense to average assets | 3.3943% | 799 |
| Loan and lease loss provision to assets | 0.2286% | 1,705 |
| Net operating income to assets | 1.2379% | 1,422 |
| Return on assets (ROA) | 1.2506% | 1,487 |
| Pretax return on assets | 1.5990% | 1,077 |
| Return on Equity (ROE) | 10.1247% | 1,960 |
| Retained earnings to average equity (ytd only) | 4.0996% | 2,761 |
| Net charge-offs to loans | -0.0614% | 4,712 |
| Credit loss provision to net charge-offs | -513.7931% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2027% | 2,649 |
| Assets per employee ($millions) | 4.0388% | 4,345 |
| Cash dividends to net income (ytd only)* | 59.5092% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 1,128 |
| Loan loss allowance to noncurrent loans | 116.9662% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0130% | 933 |
| Noncurrent loans to loans | 1.4228% | 943 |
| Net loans and leases to total assets | 70.0107% | 1,559 |
| Net loans and leases to deposits | 80.2722% | 1,834 |
| Net loans and leases to core deposits | 84.7158% | 1,973 |
| Total domestic deposits to total assets | 87.2166% | 1,836 |
| Equity capital to assets | 12.0253% | 1,554 |
| Core capital (leverage) ratio | 12.1628% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,335,200 | 3,619 |
| Average earning assets | $122,274,600 | 3,600 |
| Average equity | $16,099,200 | 3,542 |
| Average total loans | $94,524,800 | 3,327 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9173% | 123 |
| Cost of funding earning assets | 1.0621% | 615 |
| Net interest margin | 4.8552% | 182 |
| Noninterest income to average assets | 0.7279% | 1,712 |
| Noninterest expense to average assets | 3.3636% | 833 |
| Loan and lease loss provision to assets | 0.3017% | 1,337 |
| Net operating income to assets | 1.2571% | 1,459 |
| Return on assets (ROA) | 1.2743% | 1,522 |
| Pretax return on assets | 1.6300% | 1,104 |
| Return on Equity (ROE) | 10.2441% | 1,934 |
| Retained earnings to average equity (ytd only) | 3.3258% | 3,383 |
| Net charge-offs to loans | 0.1707% | 863 |
| Credit loss provision to net charge-offs | 242.5000% | 1,950 |
| Earnings coverage of net charge-offs (x) | 15.3500% | 2,106 |
| Efficiency ratio | 63.7829% | 2,774 |
| Assets per employee ($millions) | 3.9006% | 4,408 |
| Cash dividends to net income (ytd only)* | 67.5346% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,319 |
| Loan loss allowance to noncurrent loans | 72.6448% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 571 |
| Noncurrent loans to loans | 2.0986% | 572 |
| Net loans and leases to total assets | 70.2338% | 1,910 |
| Net loans and leases to deposits | 80.8577% | 2,215 |
| Net loans and leases to core deposits | 85.5152% | 2,341 |
| Total domestic deposits to total assets | 86.8610% | 1,720 |
| Equity capital to assets | 12.2372% | 1,559 |
| Core capital (leverage) ratio | 12.1906% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,589,250 | 3,633 |
| Average earning assets | $120,389,500 | 3,613 |
| Average equity | $15,995,750 | 3,555 |
| Average total loans | $93,714,750 | 3,353 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0356% | 141 |
| Cost of funding earning assets | 1.1383% | 635 |
| Net interest margin | 4.8973% | 243 |
| Noninterest income to average assets | 0.6570% | 1,908 |
| Noninterest expense to average assets | 3.3746% | 882 |
| Loan and lease loss provision to assets | 0.3725% | 1,123 |
| Net operating income to assets | 1.1575% | 1,770 |
| Return on assets (ROA) | 1.1835% | 1,820 |
| Pretax return on assets | 1.5278% | 1,396 |
| Return on Equity (ROE) | 9.4610% | 2,170 |
| Retained earnings to average equity (ytd only) | 4.3096% | 2,776 |
| Net charge-offs to loans | 0.3789% | 419 |
| Credit loss provision to net charge-offs | 133.8983% | 2,211 |
| Earnings coverage of net charge-offs (x) | 6.7119% | 2,420 |
| Efficiency ratio | 64.3778% | 2,769 |
| Assets per employee ($millions) | 4.0165% | 4,292 |
| Cash dividends to net income (ytd only)* | 54.4489% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,600 |
| Loan loss allowance to noncurrent loans | 62.1092% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.6168% | 541 |
| Noncurrent loans to loans | 2.2466% | 556 |
| Net loans and leases to total assets | 70.9629% | 1,879 |
| Net loans and leases to deposits | 81.6000% | 2,246 |
| Net loans and leases to core deposits | 86.2980% | 2,414 |
| Total domestic deposits to total assets | 86.9643% | 1,635 |
| Equity capital to assets | 12.2027% | 1,536 |
| Core capital (leverage) ratio | 12.3824% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,245,667 | 3,628 |
| Average earning assets | $119,126,000 | 3,609 |
| Average equity | $15,918,000 | 3,556 |
| Average total loans | $93,424,333 | 3,348 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1527% | 136 |
| Cost of funding earning assets | 1.2340% | 686 |
| Net interest margin | 4.9187% | 226 |
| Noninterest income to average assets | 0.7288% | 1,535 |
| Noninterest expense to average assets | 3.6534% | 749 |
| Loan and lease loss provision to assets | 0.3307% | 933 |
| Net operating income to assets | 1.0597% | 1,970 |
| Return on assets (ROA) | 1.0851% | 1,990 |
| Pretax return on assets | 1.3708% | 1,650 |
| Return on Equity (ROE) | 8.5624% | 2,290 |
| Retained earnings to average equity (ytd only) | 1.7226% | 3,539 |
| Net charge-offs to loans | 0.6015% | 242 |
| Credit loss provision to net charge-offs | 74.1007% | 1,959 |
| Earnings coverage of net charge-offs (x) | 3.7410% | 2,188 |
| Efficiency ratio | 68.6369% | 2,568 |
| Assets per employee ($millions) | 3.6767% | 4,302 |
| Cash dividends to net income (ytd only)* | 79.8817% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 1,953 |
| Loan loss allowance to noncurrent loans | 54.0481% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 488 |
| Noncurrent loans to loans | 2.4787% | 491 |
| Net loans and leases to total assets | 72.7551% | 1,812 |
| Net loans and leases to deposits | 83.9788% | 2,228 |
| Net loans and leases to core deposits | 89.1674% | 2,429 |
| Total domestic deposits to total assets | 86.6351% | 1,723 |
| Equity capital to assets | 12.6953% | 1,622 |
| Core capital (leverage) ratio | 12.6448% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,596,500 | 3,641 |
| Average earning assets | $116,372,500 | 3,621 |
| Average equity | $15,790,000 | 3,574 |
| Average total loans | $92,442,500 | 3,355 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3646% | 130 |
| Cost of funding earning assets | 1.2316% | 943 |
| Net interest margin | 5.1330% | 211 |
| Noninterest income to average assets | 0.5521% | 2,464 |
| Noninterest expense to average assets | 3.4774% | 995 |
| Loan and lease loss provision to assets | 0.3884% | 375 |
| Net operating income to assets | 1.1647% | 2,198 |
| Return on assets (ROA) | 1.1627% | 2,302 |
| Pretax return on assets | 1.4918% | 1,832 |
| Return on Equity (ROE) | 8.8108% | 2,841 |
| Retained earnings to average equity (ytd only) | -1.4653% | 4,840 |
| Net charge-offs to loans | 0.5224% | 354 |
| Credit loss provision to net charge-offs | 98.5386% | 2,524 |
| Earnings coverage of net charge-offs (x) | 4.7766% | 3,172 |
| Efficiency ratio | 64.8757% | 2,954 |
| Assets per employee ($millions) | 3.6525% | 4,317 |
| Cash dividends to net income (ytd only)* | 116.6313% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 1,625 |
| Loan loss allowance to noncurrent loans | 66.5097% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5622% | 634 |
| Noncurrent loans to loans | 2.0615% | 616 |
| Net loans and leases to total assets | 73.6234% | 1,813 |
| Net loans and leases to deposits | 84.8719% | 2,225 |
| Net loans and leases to core deposits | 90.1703% | 2,408 |
| Total domestic deposits to total assets | 86.7465% | 1,734 |
| Equity capital to assets | 12.6504% | 1,734 |
| Core capital (leverage) ratio | 12.5529% | 1,457 |
| Tier 1 risk-based capital ratio | 17.8307% | 1,804 |
| Total risk-based capital ratio | 19.0833% | 1,754 |
| Memoranda: | ||
| Average total assets | $121,527,200 | 3,677 |
| Average earning assets | $113,832,800 | 3,653 |
| Average equity | $16,037,200 | 3,539 |
| Average total loans | $91,693,000 | 3,362 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3074% | 147 |
| Cost of funding earning assets | 1.1991% | 1,043 |
| Net interest margin | 5.1083% | 227 |
| Noninterest income to average assets | 0.4832% | 2,838 |
| Noninterest expense to average assets | 3.4330% | 1,036 |
| Loan and lease loss provision to assets | 0.3740% | 347 |
| Net operating income to assets | 1.1493% | 2,371 |
| Return on assets (ROA) | 1.1484% | 2,468 |
| Pretax return on assets | 1.4639% | 2,064 |
| Return on Equity (ROE) | 8.6108% | 3,053 |
| Retained earnings to average equity (ytd only) | 2.9447% | 3,910 |
| Net charge-offs to loans | 0.4812% | 355 |
| Credit loss provision to net charge-offs | 102.7273% | 2,196 |
| Earnings coverage of net charge-offs (x) | 5.0515% | 2,960 |
| Efficiency ratio | 65.1182% | 2,836 |
| Assets per employee ($millions) | 3.6776% | 4,304 |
| Cash dividends to net income (ytd only)* | 65.8019% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,551 |
| Loan loss allowance to noncurrent loans | 56.1763% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.0018% | 437 |
| Noncurrent loans to loans | 2.5056% | 462 |
| Net loans and leases to total assets | 72.0951% | 2,163 |
| Net loans and leases to deposits | 83.5019% | 2,508 |
| Net loans and leases to core deposits | 88.6750% | 2,667 |
| Total domestic deposits to total assets | 86.3395% | 1,852 |
| Equity capital to assets | 13.0271% | 1,606 |
| Core capital (leverage) ratio | 13.0630% | 1,316 |
| Tier 1 risk-based capital ratio | 18.6137% | 1,660 |
| Total risk-based capital ratio | 19.8661% | 1,624 |
| Memoranda: | ||
| Average total assets | $120,862,500 | 3,726 |
| Average earning assets | $113,302,500 | 3,693 |
| Average equity | $16,119,000 | 3,562 |
| Average total loans | $91,441,000 | 3,410 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2244% | 163 |
| Cost of funding earning assets | 1.1307% | 1,192 |
| Net interest margin | 5.0937% | 238 |
| Noninterest income to average assets | 0.5072% | 2,637 |
| Noninterest expense to average assets | 3.4653% | 999 |
| Loan and lease loss provision to assets | 0.4637% | 256 |
| Net operating income to assets | 1.0627% | 2,670 |
| Return on assets (ROA) | 1.0614% | 2,739 |
| Pretax return on assets | 1.3577% | 2,358 |
| Return on Equity (ROE) | 7.8942% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.2756% | 2,160 |
| Net charge-offs to loans | 0.7393% | 193 |
| Credit loss provision to net charge-offs | 81.9527% | 2,209 |
| Earnings coverage of net charge-offs (x) | 3.2219% | 2,867 |
| Efficiency ratio | 65.5271% | 2,884 |
| Assets per employee ($millions) | 3.5663% | 4,419 |
| Cash dividends to net income (ytd only)* | 20.5047% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,822 |
| Loan loss allowance to noncurrent loans | 56.6837% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9925% | 467 |
| Noncurrent loans to loans | 2.3772% | 528 |
| Net loans and leases to total assets | 73.4807% | 1,968 |
| Net loans and leases to deposits | 85.4363% | 2,321 |
| Net loans and leases to core deposits | 90.9359% | 2,518 |
| Total domestic deposits to total assets | 86.0064% | 2,030 |
| Equity capital to assets | 13.5582% | 1,293 |
| Core capital (leverage) ratio | 13.5423% | 1,097 |
| Tier 1 risk-based capital ratio | 19.0554% | 1,541 |
| Total risk-based capital ratio | 20.3074% | 1,503 |
| Memoranda: | ||
| Average total assets | $119,470,330 | 3,774 |
| Average earning assets | $112,139,330 | 3,735 |
| Average equity | $16,062,330 | 3,573 |
| Average total loans | $91,443,330 | 3,424 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1396% | 175 |
| Cost of funding earning assets | 1.0346% | 1,431 |
| Net interest margin | 5.1050% | 241 |
| Noninterest income to average assets | 0.5262% | 2,401 |
| Noninterest expense to average assets | 3.5386% | 915 |
| Loan and lease loss provision to assets | 0.4014% | 288 |
| Net operating income to assets | 1.0889% | 2,516 |
| Return on assets (ROA) | 1.0862% | 2,565 |
| Pretax return on assets | 1.3932% | 2,105 |
| Return on Equity (ROE) | 8.1142% | 3,212 |
| Retained earnings to average equity (ytd only) | 4.8383% | 2,976 |
| Net charge-offs to loans | 0.8130% | 184 |
| Credit loss provision to net charge-offs | 63.6364% | 1,892 |
| Earnings coverage of net charge-offs (x) | 2.8503% | 2,452 |
| Efficiency ratio | 66.3085% | 2,900 |
| Assets per employee ($millions) | 3.5187% | 4,542 |
| Cash dividends to net income (ytd only)* | 40.3727% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,000 |
| Loan loss allowance to noncurrent loans | 55.7347% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.0546% | 463 |
| Noncurrent loans to loans | 2.3667% | 567 |
| Net loans and leases to total assets | 75.6628% | 1,538 |
| Net loans and leases to deposits | 87.9193% | 1,884 |
| Net loans and leases to core deposits | 93.4063% | 2,179 |
| Total domestic deposits to total assets | 86.0594% | 2,257 |
| Equity capital to assets | 13.3931% | 1,251 |
| Core capital (leverage) ratio | 13.5425% | 1,083 |
| Tier 1 risk-based capital ratio | 18.4216% | 1,681 |
| Total risk-based capital ratio | 19.6737% | 1,625 |
| Memoranda: | ||
| Average total assets | $118,578,000 | 3,829 |
| Average earning assets | $111,733,000 | 3,791 |
| Average equity | $15,873,500 | 3,597 |
| Average total loans | $92,007,000 | 3,450 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9211% | 189 |
| Cost of funding earning assets | 0.7396% | 1,850 |
| Net interest margin | 5.1815% | 196 |
| Noninterest income to average assets | 0.5478% | 2,560 |
| Noninterest expense to average assets | 3.4073% | 1,139 |
| Loan and lease loss provision to assets | 0.3103% | 519 |
| Net operating income to assets | 1.3448% | 1,636 |
| Return on assets (ROA) | 1.3448% | 1,622 |
| Pretax return on assets | 1.7287% | 1,097 |
| Return on Equity (ROE) | 10.5415% | 2,267 |
| Retained earnings to average equity (ytd only) | 6.1951% | 2,094 |
| Net charge-offs to loans | 0.5442% | 323 |
| Credit loss provision to net charge-offs | 76.4948% | 2,913 |
| Earnings coverage of net charge-offs (x) | 5.0268% | 3,231 |
| Efficiency ratio | 62.5614% | 3,420 |
| Assets per employee ($millions) | 3.4565% | 4,599 |
| Cash dividends to net income (ytd only)* | 41.2313% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 1,700 |
| Loan loss allowance to noncurrent loans | 51.3459% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.1852% | 405 |
| Noncurrent loans to loans | 2.6971% | 424 |
| Net loans and leases to total assets | 77.4387% | 1,364 |
| Net loans and leases to deposits | 89.8727% | 1,817 |
| Net loans and leases to core deposits | 95.1309% | 2,123 |
| Total domestic deposits to total assets | 86.1649% | 2,149 |
| Equity capital to assets | 13.3799% | 1,191 |
| Core capital (leverage) ratio | 13.4163% | 1,099 |
| Tier 1 risk-based capital ratio | 18.1898% | 1,702 |
| Total risk-based capital ratio | 19.4419% | 1,650 |
| Memoranda: | ||
| Average total assets | $119,567,400 | 3,791 |
| Average earning assets | $113,036,400 | 3,759 |
| Average equity | $15,254,000 | 3,605 |
| Average total loans | $89,125,000 | 3,496 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8339% | 204 |
| Cost of funding earning assets | 0.6892% | 1,910 |
| Net interest margin | 5.1447% | 198 |
| Noninterest income to average assets | 0.6074% | 2,269 |
| Noninterest expense to average assets | 3.3199% | 1,261 |
| Loan and lease loss provision to assets | 0.3753% | 349 |
| Net operating income to assets | 1.3824% | 1,546 |
| Return on assets (ROA) | 1.3824% | 1,551 |
| Pretax return on assets | 1.7777% | 1,064 |
| Return on Equity (ROE) | 10.9666% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.1265% | 3,170 |
| Net charge-offs to loans | 0.7079% | 203 |
| Credit loss provision to net charge-offs | 72.0682% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.1343% | 3,096 |
| Efficiency ratio | 60.6614% | 3,711 |
| Assets per employee ($millions) | 3.5157% | 4,543 |
| Cash dividends to net income (ytd only)* | 53.2531% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,627 |
| Loan loss allowance to noncurrent loans | 57.5536% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9475% | 553 |
| Noncurrent loans to loans | 2.4688% | 533 |
| Net loans and leases to total assets | 73.1878% | 2,132 |
| Net loans and leases to deposits | 84.2693% | 2,571 |
| Net loans and leases to core deposits | 88.8191% | 2,767 |
| Total domestic deposits to total assets | 86.8499% | 1,801 |
| Equity capital to assets | 12.7594% | 1,437 |
| Core capital (leverage) ratio | 12.9920% | 1,281 |
| Tier 1 risk-based capital ratio | 18.3694% | 1,701 |
| Total risk-based capital ratio | 19.6230% | 1,654 |
| Memoranda: | ||
| Average total assets | $120,079,250 | 3,825 |
| Average earning assets | $113,563,250 | 3,790 |
| Average equity | $15,136,500 | 3,643 |
| Average total loans | $88,335,250 | 3,541 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7642% | 211 |
| Cost of funding earning assets | 0.6588% | 1,877 |
| Net interest margin | 5.1054% | 204 |
| Noninterest income to average assets | 0.5970% | 2,334 |
| Noninterest expense to average assets | 3.2546% | 1,424 |
| Loan and lease loss provision to assets | 0.3326% | 406 |
| Net operating income to assets | 1.4186% | 1,370 |
| Return on assets (ROA) | 1.4186% | 1,375 |
| Pretax return on assets | 1.8427% | 887 |
| Return on Equity (ROE) | 11.2995% | 1,991 |
| Retained earnings to average equity (ytd only) | 9.5509% | 1,051 |
| Net charge-offs to loans | 0.6553% | 224 |
| Credit loss provision to net charge-offs | 69.2042% | 2,358 |
| Earnings coverage of net charge-offs (x) | 4.5260% | 2,784 |
| Efficiency ratio | 59.9387% | 3,942 |
| Assets per employee ($millions) | 3.4555% | 4,654 |
| Cash dividends to net income (ytd only)* | 15.4748% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,550 |
| Loan loss allowance to noncurrent loans | 49.7708% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.3322% | 393 |
| Noncurrent loans to loans | 2.9165% | 400 |
| Net loans and leases to total assets | 75.2960% | 1,751 |
| Net loans and leases to deposits | 87.1248% | 2,203 |
| Net loans and leases to core deposits | 92.1758% | 2,388 |
| Total domestic deposits to total assets | 86.4232% | 2,088 |
| Equity capital to assets | 13.1444% | 1,242 |
| Core capital (leverage) ratio | 13.1518% | 1,169 |
| Tier 1 risk-based capital ratio | 18.0885% | 1,779 |
| Total risk-based capital ratio | 19.3420% | 1,737 |
| Memoranda: | ||
| Average total assets | $120,260,670 | 3,858 |
| Average earning assets | $113,841,000 | 3,813 |
| Average equity | $15,098,000 | 3,670 |
| Average total loans | $88,198,330 | 3,559 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5338% | 263 |
| Cost of funding earning assets | 0.6484% | 1,726 |
| Net interest margin | 4.8854% | 288 |
| Noninterest income to average assets | 0.5590% | 2,475 |
| Noninterest expense to average assets | 3.3309% | 1,293 |
| Loan and lease loss provision to assets | 0.2992% | 432 |
| Net operating income to assets | 1.2364% | 1,863 |
| Return on assets (ROA) | 1.2364% | 1,874 |
| Pretax return on assets | 1.5619% | 1,490 |
| Return on Equity (ROE) | 10.0767% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.5391% | 2,480 |
| Net charge-offs to loans | 0.5537% | 271 |
| Credit loss provision to net charge-offs | 75.2066% | 1,787 |
| Earnings coverage of net charge-offs (x) | 4.6777% | 2,279 |
| Efficiency ratio | 64.1545% | 3,455 |
| Assets per employee ($millions) | 3.5755% | 4,576 |
| Cash dividends to net income (ytd only)* | 35.1064% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 1,320 |
| Loan loss allowance to noncurrent loans | 53.7915% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.1708% | 488 |
| Noncurrent loans to loans | 2.8632% | 433 |
| Net loans and leases to total assets | 71.6216% | 2,235 |
| Net loans and leases to deposits | 82.1173% | 2,581 |
| Net loans and leases to core deposits | 86.6626% | 2,750 |
| Total domestic deposits to total assets | 87.2187% | 2,032 |
| Equity capital to assets | 12.3240% | 1,590 |
| Core capital (leverage) ratio | 12.6381% | 1,324 |
| Tier 1 risk-based capital ratio | 17.9040% | 1,867 |
| Total risk-based capital ratio | 19.1577% | 1,811 |
| Memoranda: | ||
| Average total assets | $121,647,500 | 3,874 |
| Average earning assets | $115,364,000 | 3,824 |
| Average equity | $14,925,500 | 3,717 |
| Average total loans | $87,414,500 | 3,600 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 299 |
| Cost of funding earning assets | 0.6571% | 1,261 |
| Net interest margin | 4.7643% | 379 |
| Noninterest income to average assets | 0.5097% | 2,939 |
| Noninterest expense to average assets | 3.2911% | 1,390 |
| Loan and lease loss provision to assets | 0.1355% | 1,699 |
| Net operating income to assets | 1.0467% | 2,065 |
| Return on assets (ROA) | 1.0467% | 2,096 |
| Pretax return on assets | 1.5701% | 1,380 |
| Return on Equity (ROE) | 8.4858% | 2,555 |
| Retained earnings to average equity (ytd only) | 5.8461% | 1,627 |
| Net charge-offs to loans | 0.6226% | 364 |
| Credit loss provision to net charge-offs | 29.9435% | 3,538 |
| Earnings coverage of net charge-offs (x) | 3.7684% | 3,561 |
| Efficiency ratio | 65.8649% | 3,298 |
| Assets per employee ($millions) | 3.5802% | 4,601 |
| Cash dividends to net income (ytd only)* | 31.1075% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,119 |
| Loan loss allowance to noncurrent loans | 51.2896% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.3660% | 415 |
| Noncurrent loans to loans | 3.1413% | 343 |
| Net loans and leases to total assets | 69.8333% | 2,542 |
| Net loans and leases to deposits | 80.1792% | 2,895 |
| Net loans and leases to core deposits | 84.6176% | 3,017 |
| Total domestic deposits to total assets | 87.0965% | 1,943 |
| Equity capital to assets | 12.2150% | 1,691 |
| Core capital (leverage) ratio | 12.4197% | 1,392 |
| Tier 1 risk-based capital ratio | 17.9364% | 1,817 |
| Total risk-based capital ratio | 19.1919% | 1,762 |
| Memoranda: | ||
| Average total assets | $117,316,800 | 3,941 |
| Average earning assets | $110,489,000 | 3,903 |
| Average equity | $14,471,200 | 3,782 |
| Average total loans | $85,288,800 | 3,629 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 306 |
| Cost of funding earning assets | 0.6552% | 1,203 |
| Net interest margin | 4.7265% | 388 |
| Noninterest income to average assets | 0.5140% | 2,946 |
| Noninterest expense to average assets | 3.2755% | 1,399 |
| Loan and lease loss provision to assets | 0.0849% | 2,394 |
| Net operating income to assets | 1.0681% | 2,240 |
| Return on assets (ROA) | 1.0681% | 2,286 |
| Pretax return on assets | 1.5982% | 1,432 |
| Return on Equity (ROE) | 8.6371% | 2,794 |
| Retained earnings to average equity (ytd only) | 5.0932% | 2,815 |
| Net charge-offs to loans | 0.6838% | 280 |
| Credit loss provision to net charge-offs | 16.9725% | 3,179 |
| Earnings coverage of net charge-offs (x) | 3.3647% | 3,350 |
| Efficiency ratio | 66.0574% | 3,198 |
| Assets per employee ($millions) | 3.6893% | 4,464 |
| Cash dividends to net income (ytd only)* | 41.0312% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,173 |
| Loan loss allowance to noncurrent loans | 56.6694% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.1862% | 561 |
| Noncurrent loans to loans | 2.8767% | 461 |
| Net loans and leases to total assets | 71.6586% | 2,305 |
| Net loans and leases to deposits | 82.4478% | 2,728 |
| Net loans and leases to core deposits | 87.4127% | 2,831 |
| Total domestic deposits to total assets | 86.9139% | 1,900 |
| Equity capital to assets | 12.4160% | 1,710 |
| Core capital (leverage) ratio | 12.5477% | 1,400 |
| Tier 1 risk-based capital ratio | 17.5892% | 1,980 |
| Total risk-based capital ratio | 18.8451% | 1,919 |
| Memoranda: | ||
| Average total assets | $116,214,250 | 3,997 |
| Average earning assets | $109,281,750 | 3,971 |
| Average equity | $14,371,750 | 3,838 |
| Average total loans | $85,011,500 | 3,661 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 313 |
| Cost of funding earning assets | 0.6563% | 1,110 |
| Net interest margin | 4.6754% | 409 |
| Noninterest income to average assets | 0.4810% | 3,142 |
| Noninterest expense to average assets | 3.1626% | 1,677 |
| Loan and lease loss provision to assets | 0.1125% | 1,821 |
| Net operating income to assets | 1.0675% | 2,130 |
| Return on assets (ROA) | 1.0675% | 2,177 |
| Pretax return on assets | 1.5934% | 1,367 |
| Return on Equity (ROE) | 8.6437% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.5423% | 1,820 |
| Net charge-offs to loans | 0.8361% | 234 |
| Credit loss provision to net charge-offs | 18.3616% | 2,797 |
| Earnings coverage of net charge-offs (x) | 2.7853% | 3,126 |
| Efficiency ratio | 64.9609% | 3,508 |
| Assets per employee ($millions) | 3.6126% | 4,557 |
| Cash dividends to net income (ytd only)* | 24.3112% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 985 |
| Loan loss allowance to noncurrent loans | 63.8528% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 2.1436% | 566 |
| Noncurrent loans to loans | 2.7347% | 514 |
| Net loans and leases to total assets | 71.7929% | 2,238 |
| Net loans and leases to deposits | 82.6806% | 2,632 |
| Net loans and leases to core deposits | 87.7584% | 2,721 |
| Total domestic deposits to total assets | 86.8315% | 2,027 |
| Equity capital to assets | 12.6226% | 1,565 |
| Core capital (leverage) ratio | 12.4694% | 1,384 |
| Tier 1 risk-based capital ratio | 17.9200% | 1,879 |
| Total risk-based capital ratio | 19.1770% | 1,827 |
| Memoranda: | ||
| Average total assets | $115,600,000 | 4,032 |
| Average earning assets | $108,482,330 | 4,005 |
| Average equity | $14,276,330 | 3,857 |
| Average total loans | $84,682,000 | 3,685 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 325 |
| Cost of funding earning assets | 0.6523% | 1,067 |
| Net interest margin | 4.6364% | 420 |
| Noninterest income to average assets | 0.5329% | 2,754 |
| Noninterest expense to average assets | 3.2284% | 1,529 |
| Loan and lease loss provision to assets | 0.0242% | 3,263 |
| Net operating income to assets | 1.0900% | 1,910 |
| Return on assets (ROA) | 1.0900% | 1,955 |
| Pretax return on assets | 1.6332% | 1,159 |
| Return on Equity (ROE) | 8.9245% | 2,456 |
| Retained earnings to average equity (ytd only) | 4.6747% | 3,071 |
| Net charge-offs to loans | 0.4954% | 370 |
| Credit loss provision to net charge-offs | 6.6667% | 2,245 |
| Earnings coverage of net charge-offs (x) | 4.5619% | 2,373 |
| Efficiency ratio | 66.0765% | 3,486 |
| Assets per employee ($millions) | 3.7299% | 4,449 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 707 |
| Loan loss allowance to noncurrent loans | 61.1376% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.9725% | 348 |
| Noncurrent loans to loans | 3.2250% | 395 |
| Net loans and leases to total assets | 71.6349% | 2,124 |
| Net loans and leases to deposits | 82.1963% | 2,481 |
| Net loans and leases to core deposits | 87.4140% | 2,605 |
| Total domestic deposits to total assets | 87.1510% | 2,135 |
| Equity capital to assets | 12.3067% | 1,657 |
| Core capital (leverage) ratio | 12.2066% | 1,505 |
| Tier 1 risk-based capital ratio | 17.3414% | 2,084 |
| Total risk-based capital ratio | 18.6009% | 2,026 |
| Memoranda: | ||
| Average total assets | $115,599,000 | 4,071 |
| Average earning assets | $108,531,500 | 4,034 |
| Average equity | $14,118,500 | 3,903 |
| Average total loans | $84,788,500 | 3,710 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 259 |
| Cost of funding earning assets | 0.6661% | 973 |
| Net interest margin | 4.8037% | 347 |
| Noninterest income to average assets | 0.4884% | 3,310 |
| Noninterest expense to average assets | 3.3046% | 1,562 |
| Loan and lease loss provision to assets | 0.1239% | 2,002 |
| Net operating income to assets | 1.0140% | 2,291 |
| Return on assets (ROA) | 1.0181% | 2,375 |
| Pretax return on assets | 1.5258% | 1,505 |
| Return on Equity (ROE) | 8.4652% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.3696% | 1,088 |
| Net charge-offs to loans | 0.4375% | 584 |
| Credit loss provision to net charge-offs | 38.9503% | 3,504 |
| Earnings coverage of net charge-offs (x) | 5.1685% | 3,380 |
| Efficiency ratio | 66.7850% | 3,473 |
| Assets per employee ($millions) | 3.7281% | 4,432 |
| Cash dividends to net income (ytd only)* | 12.9422% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0733% | 573 |
| Loan loss allowance to noncurrent loans | 58.9375% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.8736% | 372 |
| Noncurrent loans to loans | 3.5178% | 341 |
| Net loans and leases to total assets | 72.0922% | 2,155 |
| Net loans and leases to deposits | 82.7765% | 2,578 |
| Net loans and leases to core deposits | 88.8014% | 2,602 |
| Total domestic deposits to total assets | 87.0927% | 2,091 |
| Equity capital to assets | 12.1199% | 1,731 |
| Core capital (leverage) ratio | 11.8897% | 1,672 |
| Tier 1 risk-based capital ratio | 16.6162% | 2,299 |
| Total risk-based capital ratio | 17.8809% | 2,239 |
| Memoranda: | ||
| Average total assets | $113,841,400 | 4,094 |
| Average earning assets | $105,690,200 | 4,083 |
| Average equity | $13,691,400 | 3,993 |
| Average total loans | $82,746,200 | 3,748 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4966% | 248 |
| Cost of funding earning assets | 0.6641% | 982 |
| Net interest margin | 4.8325% | 344 |
| Noninterest income to average assets | 0.5243% | 3,083 |
| Noninterest expense to average assets | 3.3730% | 1,405 |
| Loan and lease loss provision to assets | 0.0752% | 2,716 |
| Net operating income to assets | 1.0373% | 2,257 |
| Return on assets (ROA) | 1.0428% | 2,355 |
| Pretax return on assets | 1.5589% | 1,502 |
| Return on Equity (ROE) | 8.6879% | 2,671 |
| Retained earnings to average equity (ytd only) | 7.2187% | 1,517 |
| Net charge-offs to loans | 0.3667% | 612 |
| Credit loss provision to net charge-offs | 28.3186% | 3,236 |
| Earnings coverage of net charge-offs (x) | 6.1194% | 3,038 |
| Efficiency ratio | 67.4741% | 3,321 |
| Assets per employee ($millions) | 3.7344% | 4,412 |
| Cash dividends to net income (ytd only)* | 16.9113% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 475 |
| Loan loss allowance to noncurrent loans | 65.7648% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.8152% | 446 |
| Noncurrent loans to loans | 3.4183% | 384 |
| Net loans and leases to total assets | 68.4752% | 2,726 |
| Net loans and leases to deposits | 78.5546% | 3,126 |
| Net loans and leases to core deposits | 84.2538% | 3,100 |
| Total domestic deposits to total assets | 87.1689% | 1,817 |
| Equity capital to assets | 12.0536% | 2,081 |
| Core capital (leverage) ratio | 11.6962% | 1,890 |
| Tier 1 risk-based capital ratio | 17.2565% | 2,147 |
| Total risk-based capital ratio | 18.5230% | 2,100 |
| Memoranda: | ||
| Average total assets | $113,409,250 | 4,135 |
| Average earning assets | $105,008,250 | 4,120 |
| Average equity | $13,612,500 | 4,040 |
| Average total loans | $82,162,500 | 3,777 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 230 |
| Cost of funding earning assets | 0.6625% | 979 |
| Net interest margin | 4.9049% | 312 |
| Noninterest income to average assets | 0.4919% | 3,249 |
| Noninterest expense to average assets | 3.3670% | 1,442 |
| Loan and lease loss provision to assets | 0.0515% | 3,118 |
| Net operating income to assets | 1.0619% | 2,113 |
| Return on assets (ROA) | 1.0690% | 2,209 |
| Pretax return on assets | 1.6071% | 1,359 |
| Return on Equity (ROE) | 8.9194% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.9194% | 872 |
| Net charge-offs to loans | 0.2836% | 839 |
| Credit loss provision to net charge-offs | 24.7863% | 2,900 |
| Earnings coverage of net charge-offs (x) | 7.9316% | 2,568 |
| Efficiency ratio | 67.1388% | 3,512 |
| Assets per employee ($millions) | 3.6396% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3162% | 453 |
| Loan loss allowance to noncurrent loans | 56.3410% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 3.6152% | 285 |
| Noncurrent loans to loans | 4.1111% | 278 |
| Net loans and leases to total assets | 70.9070% | 2,339 |
| Net loans and leases to deposits | 81.4719% | 2,764 |
| Net loans and leases to core deposits | 86.9503% | 2,825 |
| Total domestic deposits to total assets | 87.0325% | 1,900 |
| Equity capital to assets | 12.2549% | 1,938 |
| Core capital (leverage) ratio | 11.8011% | 1,771 |
| Tier 1 risk-based capital ratio | 16.7894% | 2,314 |
| Total risk-based capital ratio | 18.0570% | 2,253 |
| Memoranda: | ||
| Average total assets | $112,623,670 | 4,173 |
| Average earning assets | $103,855,330 | 4,177 |
| Average equity | $13,498,670 | 4,078 |
| Average total loans | $82,518,670 | 3,785 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 240 |
| Cost of funding earning assets | 0.6617% | 988 |
| Net interest margin | 4.8784% | 323 |
| Noninterest income to average assets | 0.5581% | 2,757 |
| Noninterest expense to average assets | 3.3629% | 1,460 |
| Loan and lease loss provision to assets | 0.0818% | 2,313 |
| Net operating income to assets | 1.0783% | 1,989 |
| Return on assets (ROA) | 1.0807% | 2,086 |
| Pretax return on assets | 1.6246% | 1,238 |
| Return on Equity (ROE) | 9.1192% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.1192% | 1,074 |
| Net charge-offs to loans | 0.3622% | 611 |
| Credit loss provision to net charge-offs | 30.6667% | 2,219 |
| Earnings coverage of net charge-offs (x) | 6.3867% | 2,248 |
| Efficiency ratio | 66.3860% | 3,735 |
| Assets per employee ($millions) | 3.6184% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3970% | 446 |
| Loan loss allowance to noncurrent loans | 63.0463% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 3.4439% | 332 |
| Noncurrent loans to loans | 3.8019% | 328 |
| Net loans and leases to total assets | 70.1718% | 2,315 |
| Net loans and leases to deposits | 80.2208% | 2,761 |
| Net loans and leases to core deposits | 85.8503% | 2,763 |
| Total domestic deposits to total assets | 87.4734% | 1,949 |
| Equity capital to assets | 12.0425% | 2,007 |
| Core capital (leverage) ratio | 11.4485% | 2,012 |
| Tier 1 risk-based capital ratio | 16.6671% | 2,410 |
| Total risk-based capital ratio | 17.9352% | 2,348 |
| Memoranda: | ||
| Average total assets | $112,521,500 | 4,215 |
| Average earning assets | $103,968,500 | 4,210 |
| Average equity | $13,334,500 | 4,111 |
| Average total loans | $82,828,000 | 3,786 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6581% | 213 |
| Cost of funding earning assets | 0.6688% | 966 |
| Net interest margin | 4.9892% | 258 |
| Noninterest income to average assets | 0.3526% | 4,383 |
| Noninterest expense to average assets | 3.3610% | 1,575 |
| Loan and lease loss provision to assets | 0.2259% | 899 |
| Net operating income to assets | 0.9249% | 2,726 |
| Return on assets (ROA) | 0.9249% | 2,819 |
| Pretax return on assets | 1.3784% | 1,985 |
| Return on Equity (ROE) | 8.2649% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.2649% | 834 |
| Net charge-offs to loans | 1.0082% | 201 |
| Credit loss provision to net charge-offs | 29.7203% | 3,660 |
| Earnings coverage of net charge-offs (x) | 2.1107% | 3,973 |
| Efficiency ratio | 67.6896% | 3,625 |
| Assets per employee ($millions) | 3.4204% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3350% | 494 |
| Loan loss allowance to noncurrent loans | 66.0566% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 3.1735% | 402 |
| Noncurrent loans to loans | 3.5348% | 389 |
| Net loans and leases to total assets | 73.5572% | 1,799 |
| Net loans and leases to deposits | 83.9870% | 2,362 |
| Net loans and leases to core deposits | 89.5595% | 2,446 |
| Total domestic deposits to total assets | 87.5817% | 1,855 |
| Equity capital to assets | 11.6599% | 2,222 |
| Core capital (leverage) ratio | 11.2600% | 2,150 |
| Tier 1 risk-based capital ratio | 15.3264% | 3,030 |
| Total risk-based capital ratio | 16.5960% | 2,959 |
| Memoranda: | ||
| Average total assets | $112,881,400 | 4,196 |
| Average earning assets | $104,364,400 | 4,180 |
| Average equity | $12,631,800 | 4,202 |
| Average total loans | $85,102,800 | 3,700 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6783% | 204 |
| Cost of funding earning assets | 0.6688% | 987 |
| Net interest margin | 5.0095% | 248 |
| Noninterest income to average assets | 0.3425% | 4,485 |
| Noninterest expense to average assets | 3.3308% | 1,623 |
| Loan and lease loss provision to assets | 0.2894% | 527 |
| Net operating income to assets | 0.9166% | 2,883 |
| Return on assets (ROA) | 0.9166% | 2,965 |
| Pretax return on assets | 1.3583% | 2,183 |
| Return on Equity (ROE) | 8.2775% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.2775% | 1,130 |
| Net charge-offs to loans | 1.0980% | 166 |
| Credit loss provision to net charge-offs | 34.9501% | 3,218 |
| Earnings coverage of net charge-offs (x) | 1.9900% | 3,749 |
| Efficiency ratio | 66.9039% | 3,732 |
| Assets per employee ($millions) | 3.3892% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4977% | 437 |
| Loan loss allowance to noncurrent loans | 65.3587% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 3.6694% | 336 |
| Noncurrent loans to loans | 3.8216% | 369 |
| Net loans and leases to total assets | 74.4123% | 1,655 |
| Net loans and leases to deposits | 84.8015% | 2,308 |
| Net loans and leases to core deposits | 90.4688% | 2,418 |
| Total domestic deposits to total assets | 87.7489% | 1,684 |
| Equity capital to assets | 11.5403% | 2,472 |
| Core capital (leverage) ratio | 10.7654% | 2,751 |
| Tier 1 risk-based capital ratio | 14.5104% | 3,566 |
| Total risk-based capital ratio | 15.7842% | 3,467 |
| Memoranda: | ||
| Average total assets | $112,883,250 | 4,250 |
| Average earning assets | $104,466,000 | 4,232 |
| Average equity | $12,499,500 | 4,266 |
| Average total loans | $85,125,500 | 3,727 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6646% | 208 |
| Cost of funding earning assets | 0.6659% | 1,019 |
| Net interest margin | 4.9987% | 248 |
| Noninterest income to average assets | 0.2791% | 4,952 |
| Noninterest expense to average assets | 3.2924% | 1,730 |
| Loan and lease loss provision to assets | 0.3745% | 338 |
| Net operating income to assets | 0.8372% | 3,183 |
| Return on assets (ROA) | 0.8372% | 3,299 |
| Pretax return on assets | 1.2400% | 2,602 |
| Return on Equity (ROE) | 7.6676% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.6676% | 1,399 |
| Net charge-offs to loans | 1.6485% | 95 |
| Credit loss provision to net charge-offs | 30.2425% | 2,926 |
| Earnings coverage of net charge-offs (x) | 1.3039% | 3,539 |
| Efficiency ratio | 67.0986% | 3,811 |
| Assets per employee ($millions) | 3.4316% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4432% | 514 |
| Loan loss allowance to noncurrent loans | 63.1848% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 3.5993% | 392 |
| Noncurrent loans to loans | 3.8667% | 412 |
| Net loans and leases to total assets | 74.0116% | 1,656 |
| Net loans and leases to deposits | 83.7368% | 2,343 |
| Net loans and leases to core deposits | 89.6943% | 2,380 |
| Total domestic deposits to total assets | 88.3860% | 1,447 |
| Equity capital to assets | 11.0779% | 2,811 |
| Core capital (leverage) ratio | 10.4116% | 3,073 |
| Tier 1 risk-based capital ratio | 14.0811% | 3,874 |
| Total risk-based capital ratio | 15.3552% | 3,793 |
| Memoranda: | ||
| Average total assets | $113,230,000 | 4,272 |
| Average earning assets | $104,827,000 | 4,249 |
| Average equity | $12,363,670 | 4,311 |
| Average total loans | $85,048,330 | 3,747 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 239 |
| Cost of funding earning assets | 0.6568% | 1,069 |
| Net interest margin | 4.8952% | 302 |
| Noninterest income to average assets | 0.5123% | 3,209 |
| Noninterest expense to average assets | 3.1584% | 2,094 |
| Loan and lease loss provision to assets | 0.2720% | 573 |
| Net operating income to assets | 1.0528% | 2,022 |
| Return on assets (ROA) | 1.0528% | 2,160 |
| Pretax return on assets | 1.6110% | 1,245 |
| Return on Equity (ROE) | 9.7124% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.7124% | 989 |
| Net charge-offs to loans | 1.1676% | 193 |
| Credit loss provision to net charge-offs | 31.1741% | 2,267 |
| Earnings coverage of net charge-offs (x) | 2.1579% | 2,815 |
| Efficiency ratio | 62.6489% | 4,683 |
| Assets per employee ($millions) | 3.5698% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8689% | 337 |
| Loan loss allowance to noncurrent loans | 58.4199% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 4.6178% | 281 |
| Noncurrent loans to loans | 4.9109% | 279 |
| Net loans and leases to total assets | 71.6641% | 1,866 |
| Net loans and leases to deposits | 80.9173% | 2,457 |
| Net loans and leases to core deposits | 86.1472% | 2,533 |
| Total domestic deposits to total assets | 88.5646% | 1,514 |
| Equity capital to assets | 10.9014% | 3,087 |
| Core capital (leverage) ratio | 10.7872% | 2,642 |
| Tier 1 risk-based capital ratio | 14.5135% | 3,713 |
| Total risk-based capital ratio | 15.7837% | 3,629 |
| Memoranda: | ||
| Average total assets | $113,223,500 | 4,303 |
| Average earning assets | $104,756,500 | 4,283 |
| Average equity | $12,273,000 | 4,366 |
| Average total loans | $84,616,500 | 3,785 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5751% | 282 |
| Cost of funding earning assets | 0.7164% | 1,025 |
| Net interest margin | 4.8587% | 390 |
| Noninterest income to average assets | 0.5597% | 3,123 |
| Noninterest expense to average assets | 3.2769% | 1,988 |
| Loan and lease loss provision to assets | 0.7478% | 169 |
| Net operating income to assets | 1.5386% | 814 |
| Return on assets (ROA) | 1.5395% | 842 |
| Pretax return on assets | 0.9878% | 3,549 |
| Return on Equity (ROE) | 16.3124% | 582 |
| Retained earnings to average equity (ytd only) | 16.3124% | 119 |
| Net charge-offs to loans | 1.1000% | 258 |
| Credit loss provision to net charge-offs | 94.6712% | 2,544 |
| Earnings coverage of net charge-offs (x) | 2.1961% | 4,225 |
| Efficiency ratio | 65.3860% | 4,345 |
| Assets per employee ($millions) | 3.4962% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9287% | 322 |
| Loan loss allowance to noncurrent loans | 61.1002% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 4.5084% | 341 |
| Noncurrent loans to loans | 4.7934% | 318 |
| Net loans and leases to total assets | 73.7073% | 1,636 |
| Net loans and leases to deposits | 82.7186% | 2,379 |
| Net loans and leases to core deposits | 87.6734% | 2,534 |
| Total domestic deposits to total assets | 89.1061% | 1,175 |
| Equity capital to assets | 10.5587% | 3,408 |
| Core capital (leverage) ratio | 10.5530% | 2,895 |
| Tier 1 risk-based capital ratio | 14.1980% | 3,968 |
| Total risk-based capital ratio | 15.4696% | 3,883 |
| Memoranda: | ||
| Average total assets | $111,658,800 | 4,355 |
| Average earning assets | $102,311,200 | 4,343 |
| Average equity | $10,538,000 | 4,647 |
| Average total loans | $80,183,200 | 3,873 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5171% | 311 |
| Cost of funding earning assets | 0.7313% | 983 |
| Net interest margin | 4.7857% | 447 |
| Noninterest income to average assets | 0.5711% | 3,061 |
| Noninterest expense to average assets | 3.1766% | 2,249 |
| Loan and lease loss provision to assets | 0.7072% | 182 |
| Net operating income to assets | 1.0501% | 2,234 |
| Return on assets (ROA) | 1.0525% | 2,288 |
| Pretax return on assets | 1.0597% | 3,343 |
| Return on Equity (ROE) | 11.4944% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.4944% | 457 |
| Net charge-offs to loans | 0.9182% | 353 |
| Credit loss provision to net charge-offs | 108.8235% | 2,058 |
| Earnings coverage of net charge-offs (x) | 2.7150% | 3,838 |
| Efficiency ratio | 64.2892% | 4,492 |
| Assets per employee ($millions) | 3.4998% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2903% | 273 |
| Loan loss allowance to noncurrent loans | 52.3298% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 5.8280% | 244 |
| Noncurrent loans to loans | 6.2877% | 209 |
| Net loans and leases to total assets | 67.7900% | 2,571 |
| Net loans and leases to deposits | 75.3130% | 3,272 |
| Net loans and leases to core deposits | 79.5632% | 3,367 |
| Total domestic deposits to total assets | 90.0110% | 724 |
| Equity capital to assets | 9.6211% | 4,645 |
| Core capital (leverage) ratio | 9.6953% | 4,082 |
| Tier 1 risk-based capital ratio | 14.4081% | 3,937 |
| Total risk-based capital ratio | 15.6842% | 3,872 |
| Memoranda: | ||
| Average total assets | $111,603,750 | 4,389 |
| Average earning assets | $101,911,250 | 4,390 |
| Average equity | $10,219,250 | 4,742 |
| Average total loans | $78,991,250 | 3,929 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 294 |
| Cost of funding earning assets | 0.7375% | 981 |
| Net interest margin | 4.7909% | 422 |
| Noninterest income to average assets | 0.4844% | 3,599 |
| Noninterest expense to average assets | 3.2241% | 2,118 |
| Loan and lease loss provision to assets | 0.7805% | 162 |
| Net operating income to assets | 0.8271% | 3,194 |
| Return on assets (ROA) | 0.8271% | 3,291 |
| Pretax return on assets | 0.8271% | 4,174 |
| Return on Equity (ROE) | 9.1888% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.1888% | 923 |
| Net charge-offs to loans | 1.0688% | 317 |
| Credit loss provision to net charge-offs | 102.8369% | 1,934 |
| Earnings coverage of net charge-offs (x) | 2.1182% | 3,628 |
| Efficiency ratio | 66.7286% | 4,238 |
| Assets per employee ($millions) | 3.5050% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3156% | 274 |
| Loan loss allowance to noncurrent loans | 41.4483% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 7.2111% | 173 |
| Noncurrent loans to loans | 7.9994% | 131 |
| Net loans and leases to total assets | 66.2188% | 2,722 |
| Net loans and leases to deposits | 73.2059% | 3,431 |
| Net loans and leases to core deposits | 77.1086% | 3,527 |
| Total domestic deposits to total assets | 90.4556% | 605 |
| Equity capital to assets | 9.2243% | 5,077 |
| Core capital (leverage) ratio | 9.4509% | 4,397 |
| Tier 1 risk-based capital ratio | 14.0913% | 4,204 |
| Total risk-based capital ratio | 15.3678% | 4,115 |
| Memoranda: | ||
| Average total assets | $111,474,000 | 4,418 |
| Average earning assets | $101,149,330 | 4,435 |
| Average equity | $10,034,000 | 4,802 |
| Average total loans | $79,154,000 | 3,935 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5866% | 259 |
| Cost of funding earning assets | 0.7547% | 954 |
| Net interest margin | 4.8319% | 361 |
| Noninterest income to average assets | 0.9574% | 1,237 |
| Noninterest expense to average assets | 3.1962% | 2,248 |
| Loan and lease loss provision to assets | 0.9430% | 120 |
| Net operating income to assets | 1.1878% | 1,518 |
| Return on assets (ROA) | 1.1878% | 1,586 |
| Pretax return on assets | 1.1734% | 2,595 |
| Return on Equity (ROE) | 13.3630% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.3630% | 448 |
| Net charge-offs to loans | 1.0358% | 320 |
| Credit loss provision to net charge-offs | 125.9615% | 1,404 |
| Earnings coverage of net charge-offs (x) | 2.8269% | 2,789 |
| Efficiency ratio | 60.1626% | 5,385 |
| Assets per employee ($millions) | 3.5885% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2818% | 333 |
| Loan loss allowance to noncurrent loans | 42.2143% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 8.3339% | 157 |
| Noncurrent loans to loans | 7.7742% | 179 |
| Net loans and leases to total assets | 68.5880% | 2,125 |
| Net loans and leases to deposits | 75.7132% | 2,840 |
| Net loans and leases to core deposits | 79.1165% | 3,075 |
| Total domestic deposits to total assets | 90.5892% | 748 |
| Equity capital to assets | 9.0702% | 5,032 |
| Core capital (leverage) ratio | 9.2952% | 4,583 |
| Tier 1 risk-based capital ratio | 13.3528% | 4,792 |
| Total risk-based capital ratio | 14.6290% | 4,706 |
| Memoranda: | ||
| Average total assets | $111,131,000 | 4,465 |
| Average earning assets | $100,167,500 | 4,502 |
| Average equity | $9,878,000 | 4,849 |
| Average total loans | $80,322,000 | 3,922 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 251 |
| Cost of funding earning assets | 0.8395% | 999 |
| Net interest margin | 4.9103% | 353 |
| Noninterest income to average assets | 0.2504% | 5,554 |
| Noninterest expense to average assets | 3.0400% | 2,934 |
| Loan and lease loss provision to assets | 1.1890% | 137 |
| Net operating income to assets | 0.4905% | 4,770 |
| Return on assets (ROA) | 0.4905% | 4,912 |
| Pretax return on assets | 0.4974% | 5,211 |
| Return on Equity (ROE) | 5.8119% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.8119% | 2,089 |
| Net charge-offs to loans | 1.9716% | 196 |
| Credit loss provision to net charge-offs | 81.8616% | 2,994 |
| Earnings coverage of net charge-offs (x) | 1.1611% | 4,679 |
| Efficiency ratio | 64.3198% | 4,843 |
| Assets per employee ($millions) | 3.5812% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1007% | 419 |
| Loan loss allowance to noncurrent loans | 35.8963% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 9.9948% | 130 |
| Noncurrent loans to loans | 8.6380% | 163 |
| Net loans and leases to total assets | 71.3578% | 1,781 |
| Net loans and leases to deposits | 78.4310% | 2,672 |
| Net loans and leases to core deposits | 81.8574% | 2,910 |
| Total domestic deposits to total assets | 90.9816% | 580 |
| Equity capital to assets | 8.7067% | 5,358 |
| Core capital (leverage) ratio | 8.9045% | 5,137 |
| Tier 1 risk-based capital ratio | 12.2918% | 5,433 |
| Total risk-based capital ratio | 13.5651% | 5,342 |
| Memoranda: | ||
| Average total assets | $115,393,600 | 4,375 |
| Average earning assets | $105,186,000 | 4,384 |
| Average equity | $9,738,600 | 4,911 |
| Average total loans | $85,007,000 | 3,796 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7415% | 260 |
| Cost of funding earning assets | 0.8535% | 1,029 |
| Net interest margin | 4.8881% | 375 |
| Noninterest income to average assets | 0.3308% | 5,040 |
| Noninterest expense to average assets | 2.9336% | 3,197 |
| Loan and lease loss provision to assets | 1.2110% | 116 |
| Net operating income to assets | 0.6547% | 4,095 |
| Return on assets (ROA) | 0.6547% | 4,227 |
| Pretax return on assets | 0.6570% | 4,834 |
| Return on Equity (ROE) | 7.8166% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.8166% | 1,494 |
| Net charge-offs to loans | 1.3951% | 361 |
| Credit loss provision to net charge-offs | 117.8174% | 1,995 |
| Earnings coverage of net charge-offs (x) | 1.8174% | 4,227 |
| Efficiency ratio | 61.0965% | 5,266 |
| Assets per employee ($millions) | 3.7246% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5599% | 319 |
| Loan loss allowance to noncurrent loans | 34.5427% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 10.8328% | 116 |
| Noncurrent loans to loans | 10.3057% | 122 |
| Net loans and leases to total assets | 70.3648% | 1,900 |
| Net loans and leases to deposits | 77.1120% | 2,808 |
| Net loans and leases to core deposits | 80.3358% | 3,091 |
| Total domestic deposits to total assets | 91.2501% | 442 |
| Equity capital to assets | 8.3862% | 5,844 |
| Core capital (leverage) ratio | 8.8734% | 5,289 |
| Tier 1 risk-based capital ratio | 12.1003% | 5,718 |
| Total risk-based capital ratio | 13.3795% | 5,634 |
| Memoranda: | ||
| Average total assets | $116,487,500 | 4,395 |
| Average earning assets | $106,542,750 | 4,395 |
| Average equity | $9,756,750 | 4,959 |
| Average total loans | $85,820,000 | 3,813 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6765% | 288 |
| Cost of funding earning assets | 0.8746% | 1,010 |
| Net interest margin | 4.8019% | 434 |
| Noninterest income to average assets | 0.3338% | 5,023 |
| Noninterest expense to average assets | 2.9120% | 3,290 |
| Loan and lease loss provision to assets | 1.2788% | 124 |
| Net operating income to assets | 0.5512% | 4,549 |
| Return on assets (ROA) | 0.5512% | 4,716 |
| Pretax return on assets | 0.5512% | 5,195 |
| Return on Equity (ROE) | 6.5840% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.5840% | 2,101 |
| Net charge-offs to loans | 1.1790% | 495 |
| Credit loss provision to net charge-offs | 146.7583% | 1,565 |
| Earnings coverage of net charge-offs (x) | 2.1002% | 3,820 |
| Efficiency ratio | 61.4079% | 5,260 |
| Assets per employee ($millions) | 3.6838% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6120% | 339 |
| Loan loss allowance to noncurrent loans | 31.3564% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 10.9388% | 125 |
| Noncurrent loans to loans | 11.5191% | 100 |
| Net loans and leases to total assets | 71.9026% | 1,594 |
| Net loans and leases to deposits | 78.8273% | 2,478 |
| Net loans and leases to core deposits | 81.3159% | 2,883 |
| Total domestic deposits to total assets | 91.2153% | 474 |
| Equity capital to assets | 8.4484% | 5,820 |
| Core capital (leverage) ratio | 8.5261% | 5,639 |
| Tier 1 risk-based capital ratio | 11.8274% | 5,901 |
| Total risk-based capital ratio | 13.1072% | 5,831 |
| Memoranda: | ||
| Average total assets | $116,828,670 | 4,419 |
| Average earning assets | $107,249,330 | 4,408 |
| Average equity | $9,781,330 | 4,991 |
| Average total loans | $86,345,000 | 3,812 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5584% | 338 |
| Cost of funding earning assets | 0.9049% | 966 |
| Net interest margin | 4.6535% | 518 |
| Noninterest income to average assets | 0.5688% | 3,313 |
| Noninterest expense to average assets | 2.8135% | 3,647 |
| Loan and lease loss provision to assets | 1.0360% | 171 |
| Net operating income to assets | 1.0056% | 2,199 |
| Return on assets (ROA) | 1.0056% | 2,315 |
| Pretax return on assets | 1.0022% | 3,343 |
| Return on Equity (ROE) | 12.0634% | 1,403 |
| Retained earnings to average equity (ytd only) | 12.0634% | 693 |
| Net charge-offs to loans | 0.5476% | 1,102 |
| Credit loss provision to net charge-offs | 257.1429% | 904 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,414 |
| Efficiency ratio | 57.9902% | 5,855 |
| Assets per employee ($millions) | 3.8014% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5775% | 395 |
| Loan loss allowance to noncurrent loans | 27.7462% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 11.1462% | 151 |
| Noncurrent loans to loans | 12.8937% | 116 |
| Net loans and leases to total assets | 69.2090% | 1,799 |
| Net loans and leases to deposits | 75.9117% | 2,651 |
| Net loans and leases to core deposits | 78.0758% | 3,052 |
| Total domestic deposits to total assets | 91.1705% | 455 |
| Equity capital to assets | 8.4638% | 6,051 |
| Core capital (leverage) ratio | 8.4211% | 5,680 |
| Tier 1 risk-based capital ratio | 11.8093% | 6,022 |
| Total risk-based capital ratio | 13.0893% | 5,981 |
| Memoranda: | ||
| Average total assets | $118,143,500 | 4,437 |
| Average earning assets | $108,735,500 | 4,401 |
| Average equity | $9,848,000 | 5,020 |
| Average total loans | $86,923,000 | 3,814 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 457 |
| Cost of funding earning assets | 1.1471% | 745 |
| Net interest margin | 4.5103% | 927 |
| Noninterest income to average assets | 0.0839% | 6,568 |
| Noninterest expense to average assets | 2.8124% | 3,976 |
| Loan and lease loss provision to assets | 1.5956% | 186 |
| Net operating income to assets | -0.8549% | 6,688 |
| Return on assets (ROA) | -0.8469% | 6,712 |
| Pretax return on assets | -0.2605% | 6,457 |
| Return on Equity (ROE) | -10.3518% | 6,730 |
| Retained earnings to average equity (ytd only) | -10.3518% | 6,651 |
| Net charge-offs to loans | 3.4549% | 112 |
| Credit loss provision to net charge-offs | 62.6412% | 4,377 |
| Earnings coverage of net charge-offs (x) | 0.5210% | 5,228 |
| Efficiency ratio | 67.9406% | 4,157 |
| Assets per employee ($millions) | 3.8208% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1805% | 563 |
| Loan loss allowance to noncurrent loans | 27.3401% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 10.6599% | 194 |
| Noncurrent loans to loans | 11.6332% | 160 |
| Net loans and leases to total assets | 72.9653% | 1,342 |
| Net loans and leases to deposits | 79.9155% | 2,295 |
| Net loans and leases to core deposits | 82.3680% | 2,732 |
| Total domestic deposits to total assets | 91.3031% | 399 |
| Equity capital to assets | 8.2081% | 6,276 |
| Core capital (leverage) ratio | 7.8433% | 6,317 |
| Tier 1 risk-based capital ratio | 10.8744% | 6,399 |
| Total risk-based capital ratio | 12.1495% | 6,354 |
| Memoranda: | ||
| Average total assets | $125,159,200 | 4,243 |
| Average earning assets | $112,542,200 | 4,281 |
| Average equity | $10,239,800 | 4,927 |
| Average total loans | $92,275,800 | 3,692 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6078% | 550 |
| Cost of funding earning assets | 1.1907% | 722 |
| Net interest margin | 4.4171% | 1,169 |
| Noninterest income to average assets | 0.1924% | 6,144 |
| Noninterest expense to average assets | 2.7604% | 4,130 |
| Loan and lease loss provision to assets | 1.3024% | 264 |
| Net operating income to assets | 0.0724% | 6,170 |
| Return on assets (ROA) | 0.0820% | 6,297 |
| Pretax return on assets | 0.0904% | 6,284 |
| Return on Equity (ROE) | 1.0030% | 6,249 |
| Retained earnings to average equity (ytd only) | 1.0030% | 5,770 |
| Net charge-offs to loans | 3.4168% | 138 |
| Credit loss provision to net charge-offs | 51.9715% | 4,351 |
| Earnings coverage of net charge-offs (x) | 0.5516% | 5,046 |
| Efficiency ratio | 66.6328% | 4,322 |
| Assets per employee ($millions) | 3.9989% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1814% | 610 |
| Loan loss allowance to noncurrent loans | 25.2848% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 11.2409% | 184 |
| Noncurrent loans to loans | 12.5822% | 151 |
| Net loans and leases to total assets | 70.8245% | 1,756 |
| Net loans and leases to deposits | 77.6597% | 2,711 |
| Net loans and leases to core deposits | 80.0275% | 3,205 |
| Total domestic deposits to total assets | 91.1985% | 359 |
| Equity capital to assets | 8.3667% | 6,374 |
| Core capital (leverage) ratio | 7.7099% | 6,522 |
| Tier 1 risk-based capital ratio | 10.6567% | 6,614 |
| Total risk-based capital ratio | 11.9310% | 6,596 |
| Memoranda: | ||
| Average total assets | $126,838,000 | 4,257 |
| Average earning assets | $113,435,250 | 4,304 |
| Average equity | $10,369,250 | 4,948 |
| Average total loans | $93,029,250 | 3,712 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 518 |
| Cost of funding earning assets | 1.2440% | 669 |
| Net interest margin | 4.4181% | 1,154 |
| Noninterest income to average assets | 0.1283% | 6,546 |
| Noninterest expense to average assets | 2.8233% | 3,929 |
| Loan and lease loss provision to assets | 1.1299% | 373 |
| Net operating income to assets | 0.1017% | 6,152 |
| Return on assets (ROA) | 0.1017% | 6,308 |
| Pretax return on assets | 0.1049% | 6,320 |
| Return on Equity (ROE) | 1.2538% | 6,249 |
| Retained earnings to average equity (ytd only) | 1.2538% | 5,573 |
| Net charge-offs to loans | 3.8247% | 123 |
| Credit loss provision to net charge-offs | 40.2453% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.4398% | 4,856 |
| Efficiency ratio | 69.5719% | 3,836 |
| Assets per employee ($millions) | 4.2106% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1975% | 641 |
| Loan loss allowance to noncurrent loans | 27.5445% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 10.5424% | 234 |
| Noncurrent loans to loans | 11.6083% | 185 |
| Net loans and leases to total assets | 70.8949% | 1,751 |
| Net loans and leases to deposits | 77.5922% | 2,735 |
| Net loans and leases to core deposits | 80.3750% | 3,165 |
| Total domestic deposits to total assets | 91.3686% | 339 |
| Equity capital to assets | 8.1920% | 6,459 |
| Core capital (leverage) ratio | 7.6424% | 6,544 |
| Tier 1 risk-based capital ratio | 10.5800% | 6,672 |
| Total risk-based capital ratio | 11.8553% | 6,644 |
| Memoranda: | ||
| Average total assets | $127,795,000 | 4,257 |
| Average earning assets | $113,667,670 | 4,315 |
| Average equity | $10,368,330 | 4,948 |
| Average total loans | $93,811,000 | 3,716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 334 |
| Cost of funding earning assets | 1.3526% | 508 |
| Net interest margin | 4.5903% | 837 |
| Noninterest income to average assets | 0.3983% | 4,689 |
| Noninterest expense to average assets | 2.7541% | 4,221 |
| Loan and lease loss provision to assets | 0.8838% | 506 |
| Net operating income to assets | 0.7780% | 3,489 |
| Return on assets (ROA) | 0.7780% | 3,729 |
| Pretax return on assets | 0.7842% | 4,478 |
| Return on Equity (ROE) | 9.6353% | 2,544 |
| Retained earnings to average equity (ytd only) | 9.6353% | 1,370 |
| Net charge-offs to loans | 5.2254% | 84 |
| Credit loss provision to net charge-offs | 23.0146% | 3,737 |
| Earnings coverage of net charge-offs (x) | 0.4344% | 4,131 |
| Efficiency ratio | 62.2801% | 5,222 |
| Assets per employee ($millions) | 4.2458% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3474% | 598 |
| Loan loss allowance to noncurrent loans | 30.1842% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 10.9325% | 250 |
| Noncurrent loans to loans | 11.0900% | 245 |
| Net loans and leases to total assets | 69.8193% | 1,782 |
| Net loans and leases to deposits | 76.4932% | 2,730 |
| Net loans and leases to core deposits | 78.8612% | 3,206 |
| Total domestic deposits to total assets | 91.2752% | 444 |
| Equity capital to assets | 8.2498% | 6,313 |
| Core capital (leverage) ratio | 7.6423% | 6,538 |
| Tier 1 risk-based capital ratio | 10.6266% | 6,703 |
| Total risk-based capital ratio | 11.9026% | 6,677 |
| Memoranda: | ||
| Average total assets | $128,533,500 | 4,268 |
| Average earning assets | $112,673,000 | 4,363 |
| Average equity | $10,378,500 | 4,949 |
| Average total loans | $94,461,000 | 3,724 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1012% | 365 |
| Cost of funding earning assets | 1.7541% | 255 |
| Net interest margin | 4.3471% | 1,554 |
| Noninterest income to average assets | 0.1414% | 6,442 |
| Noninterest expense to average assets | 2.5663% | 5,216 |
| Loan and lease loss provision to assets | 3.2981% | 99 |
| Net operating income to assets | -1.4012% | 6,884 |
| Return on assets (ROA) | -1.3967% | 6,905 |
| Pretax return on assets | -1.8698% | 6,997 |
| Return on Equity (ROE) | -16.2365% | 6,916 |
| Retained earnings to average equity (ytd only) | -16.2365% | 6,895 |
| Net charge-offs to loans | 2.5281% | 461 |
| Credit loss provision to net charge-offs | 172.5699% | 1,535 |
| Earnings coverage of net charge-offs (x) | 0.7442% | 5,247 |
| Efficiency ratio | 64.3409% | 5,064 |
| Assets per employee ($millions) | 4.3231% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1585% | 339 |
| Loan loss allowance to noncurrent loans | 32.0172% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 11.2935% | 251 |
| Noncurrent loans to loans | 12.9882% | 171 |
| Net loans and leases to total assets | 71.6155% | 1,708 |
| Net loans and leases to deposits | 78.2538% | 2,794 |
| Net loans and leases to core deposits | 80.6826% | 3,359 |
| Total domestic deposits to total assets | 91.5170% | 331 |
| Equity capital to assets | 7.9024% | 6,631 |
| Core capital (leverage) ratio | 7.2753% | 6,753 |
| Tier 1 risk-based capital ratio | 10.0637% | 6,842 |
| Total risk-based capital ratio | 11.3505% | 6,815 |
| Memoranda: | ||
| Average total assets | $132,955,800 | 4,107 |
| Average earning assets | $117,665,600 | 4,188 |
| Average equity | $11,437,200 | 4,673 |
| Average total loans | $100,512,000 | 3,605 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1532% | 356 |
| Cost of funding earning assets | 1.7989% | 260 |
| Net interest margin | 4.3543% | 1,551 |
| Noninterest income to average assets | 0.3518% | 5,040 |
| Noninterest expense to average assets | 2.5246% | 5,381 |
| Loan and lease loss provision to assets | 3.4306% | 84 |
| Net operating income to assets | -1.2803% | 6,982 |
| Return on assets (ROA) | -1.2818% | 7,002 |
| Pretax return on assets | -1.7502% | 7,072 |
| Return on Equity (ROE) | -14.6121% | 7,004 |
| Retained earnings to average equity (ytd only) | -14.6121% | 6,978 |
| Net charge-offs to loans | 3.1159% | 294 |
| Credit loss provision to net charge-offs | 145.2321% | 2,177 |
| Earnings coverage of net charge-offs (x) | 0.7122% | 5,089 |
| Efficiency ratio | 60.0095% | 5,721 |
| Assets per employee ($millions) | 4.4559% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3395% | 638 |
| Loan loss allowance to noncurrent loans | 29.1752% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 10.3197% | 341 |
| Noncurrent loans to loans | 11.4464% | 263 |
| Net loans and leases to total assets | 70.5445% | 1,971 |
| Net loans and leases to deposits | 77.8819% | 3,020 |
| Net loans and leases to core deposits | 80.3280% | 3,588 |
| Total domestic deposits to total assets | 90.5787% | 594 |
| Equity capital to assets | 8.0957% | 6,640 |
| Core capital (leverage) ratio | 7.8881% | 6,497 |
| Tier 1 risk-based capital ratio | 10.9652% | 6,559 |
| Total risk-based capital ratio | 12.2418% | 6,527 |
| Memoranda: | ||
| Average total assets | $133,771,250 | 4,119 |
| Average earning assets | $118,439,000 | 4,197 |
| Average equity | $11,734,250 | 4,635 |
| Average total loans | $101,412,250 | 3,610 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4007% | 239 |
| Cost of funding earning assets | 1.8309% | 279 |
| Net interest margin | 4.5698% | 968 |
| Noninterest income to average assets | 0.4963% | 3,892 |
| Noninterest expense to average assets | 2.5141% | 5,474 |
| Loan and lease loss provision to assets | 1.7937% | 376 |
| Net operating income to assets | 0.2074% | 5,712 |
| Return on assets (ROA) | 0.2048% | 5,840 |
| Pretax return on assets | 0.2332% | 5,855 |
| Return on Equity (ROE) | 2.2761% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.2761% | 4,839 |
| Net charge-offs to loans | 2.3818% | 522 |
| Credit loss provision to net charge-offs | 98.1194% | 3,215 |
| Earnings coverage of net charge-offs (x) | 1.1104% | 4,445 |
| Efficiency ratio | 55.3289% | 6,478 |
| Assets per employee ($millions) | 4.2393% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 2,065 |
| Loan loss allowance to noncurrent loans | 24.4766% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 8.6313% | 498 |
| Noncurrent loans to loans | 8.6801% | 489 |
| Net loans and leases to total assets | 73.4529% | 1,510 |
| Net loans and leases to deposits | 81.8512% | 2,478 |
| Net loans and leases to core deposits | 84.4928% | 3,137 |
| Total domestic deposits to total assets | 89.7396% | 1,104 |
| Equity capital to assets | 8.9638% | 5,633 |
| Core capital (leverage) ratio | 8.8407% | 4,980 |
| Tier 1 risk-based capital ratio | 11.8746% | 5,883 |
| Total risk-based capital ratio | 13.1360% | 5,852 |
| Memoranda: | ||
| Average total assets | $133,803,000 | 4,150 |
| Average earning assets | $118,518,330 | 4,219 |
| Average equity | $12,038,330 | 4,550 |
| Average total loans | $102,696,670 | 3,615 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7544% | 152 |
| Cost of funding earning assets | 1.8449% | 321 |
| Net interest margin | 4.9095% | 448 |
| Noninterest income to average assets | 0.5148% | 3,767 |
| Noninterest expense to average assets | 2.5076% | 5,523 |
| Loan and lease loss provision to assets | 1.6858% | 356 |
| Net operating income to assets | 0.3362% | 5,243 |
| Return on assets (ROA) | 0.3131% | 5,415 |
| Pretax return on assets | 0.6352% | 4,556 |
| Return on Equity (ROE) | 3.4732% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.4732% | 4,103 |
| Net charge-offs to loans | 2.5635% | 436 |
| Credit loss provision to net charge-offs | 84.7201% | 3,046 |
| Earnings coverage of net charge-offs (x) | 1.1846% | 3,769 |
| Efficiency ratio | 51.5470% | 6,889 |
| Assets per employee ($millions) | 4.3900% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0404% | 2,310 |
| Loan loss allowance to noncurrent loans | 24.0457% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 8.3453% | 548 |
| Noncurrent loans to loans | 8.4855% | 555 |
| Net loans and leases to total assets | 73.5555% | 1,412 |
| Net loans and leases to deposits | 81.9700% | 2,372 |
| Net loans and leases to core deposits | 84.6728% | 3,073 |
| Total domestic deposits to total assets | 89.7347% | 1,333 |
| Equity capital to assets | 8.8486% | 5,419 |
| Core capital (leverage) ratio | 9.0003% | 4,614 |
| Tier 1 risk-based capital ratio | 11.7156% | 5,928 |
| Total risk-based capital ratio | 12.9751% | 5,920 |
| Memoranda: | ||
| Average total assets | $132,876,000 | 4,198 |
| Average earning assets | $117,731,000 | 4,261 |
| Average equity | $11,977,500 | 4,551 |
| Average total loans | $103,141,500 | 3,638 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8055% | 199 |
| Cost of funding earning assets | 2.0905% | 443 |
| Net interest margin | 4.7150% | 795 |
| Noninterest income to average assets | 0.5423% | 3,870 |
| Noninterest expense to average assets | 2.5676% | 5,551 |
| Loan and lease loss provision to assets | 1.3452% | 1,133 |
| Net operating income to assets | 0.5807% | 3,754 |
| Return on assets (ROA) | 0.5807% | 3,914 |
| Pretax return on assets | 0.8233% | 3,559 |
| Return on Equity (ROE) | 6.4355% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.4355% | 1,594 |
| Net charge-offs to loans | 1.1875% | 1,876 |
| Credit loss provision to net charge-offs | 143.6090% | 2,600 |
| Earnings coverage of net charge-offs (x) | 2.3150% | 3,990 |
| Efficiency ratio | 54.2135% | 6,785 |
| Assets per employee ($millions) | 4.1827% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 2,073 |
| Loan loss allowance to noncurrent loans | 27.7658% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 8.1372% | 602 |
| Noncurrent loans to loans | 7.5631% | 714 |
| Net loans and leases to total assets | 78.5968% | 863 |
| Net loans and leases to deposits | 87.9833% | 1,793 |
| Net loans and leases to core deposits | 90.9295% | 2,630 |
| Total domestic deposits to total assets | 89.3316% | 1,482 |
| Equity capital to assets | 9.1877% | 4,859 |
| Core capital (leverage) ratio | 9.1092% | 4,346 |
| Tier 1 risk-based capital ratio | 11.3715% | 6,020 |
| Total risk-based capital ratio | 12.6316% | 6,001 |
| Memoranda: | ||
| Average total assets | $127,786,200 | 4,321 |
| Average earning assets | $113,658,000 | 4,386 |
| Average equity | $11,529,800 | 4,725 |
| Average total loans | $100,796,200 | 3,769 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7005% | 242 |
| Cost of funding earning assets | 2.1213% | 504 |
| Net interest margin | 4.5792% | 1,089 |
| Noninterest income to average assets | 0.5697% | 3,652 |
| Noninterest expense to average assets | 2.5092% | 5,688 |
| Loan and lease loss provision to assets | 1.3394% | 1,027 |
| Net operating income to assets | 0.6084% | 3,849 |
| Return on assets (ROA) | 0.6084% | 4,011 |
| Pretax return on assets | 0.7969% | 3,918 |
| Return on Equity (ROE) | 6.7750% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.7750% | 1,952 |
| Net charge-offs to loans | 1.2457% | 1,636 |
| Credit loss provision to net charge-offs | 136.9379% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.1842% | 4,088 |
| Efficiency ratio | 54.0126% | 6,786 |
| Assets per employee ($millions) | 4.2203% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 2,337 |
| Loan loss allowance to noncurrent loans | 22.2112% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 9.1562% | 485 |
| Noncurrent loans to loans | 8.8085% | 555 |
| Net loans and leases to total assets | 76.9518% | 1,230 |
| Net loans and leases to deposits | 85.9964% | 2,345 |
| Net loans and leases to core deposits | 89.9527% | 3,098 |
| Total domestic deposits to total assets | 89.4825% | 1,134 |
| Equity capital to assets | 9.0553% | 5,499 |
| Core capital (leverage) ratio | 9.0091% | 4,679 |
| Tier 1 risk-based capital ratio | 11.2017% | 6,187 |
| Total risk-based capital ratio | 12.4599% | 6,177 |
| Memoranda: | ||
| Average total assets | $127,317,000 | 4,384 |
| Average earning assets | $113,321,750 | 4,451 |
| Average equity | $11,434,000 | 4,832 |
| Average total loans | $99,971,000 | 3,859 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5688% | 305 |
| Cost of funding earning assets | 2.1209% | 613 |
| Net interest margin | 4.4479% | 1,322 |
| Noninterest income to average assets | 0.5739% | 3,514 |
| Noninterest expense to average assets | 2.4702% | 5,835 |
| Loan and lease loss provision to assets | 1.7583% | 704 |
| Net operating income to assets | 0.2093% | 5,526 |
| Return on assets (ROA) | 0.2093% | 5,659 |
| Pretax return on assets | 0.3155% | 5,458 |
| Return on Equity (ROE) | 2.3370% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.3370% | 4,669 |
| Net charge-offs to loans | 1.1447% | 1,661 |
| Credit loss provision to net charge-offs | 195.5908% | 2,020 |
| Earnings coverage of net charge-offs (x) | 2.3069% | 3,843 |
| Efficiency ratio | 54.3615% | 6,837 |
| Assets per employee ($millions) | 4.1481% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 1,837 |
| Loan loss allowance to noncurrent loans | 42.1878% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 6.1366% | 943 |
| Noncurrent loans to loans | 5.1294% | 1,334 |
| Net loans and leases to total assets | 77.5605% | 1,184 |
| Net loans and leases to deposits | 87.0942% | 2,319 |
| Net loans and leases to core deposits | 90.5513% | 3,182 |
| Total domestic deposits to total assets | 89.0536% | 1,406 |
| Equity capital to assets | 8.8195% | 5,722 |
| Core capital (leverage) ratio | 8.7977% | 4,919 |
| Tier 1 risk-based capital ratio | 10.8371% | 6,414 |
| Total risk-based capital ratio | 12.0974% | 6,394 |
| Memoranda: | ||
| Average total assets | $126,146,000 | 4,440 |
| Average earning assets | $112,592,670 | 4,493 |
| Average equity | $11,296,330 | 4,852 |
| Average total loans | $99,066,330 | 3,925 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8147% | 218 |
| Cost of funding earning assets | 2.1554% | 678 |
| Net interest margin | 4.6593% | 850 |
| Noninterest income to average assets | 0.5796% | 3,419 |
| Noninterest expense to average assets | 2.5520% | 5,544 |
| Loan and lease loss provision to assets | 1.3064% | 922 |
| Net operating income to assets | 0.6084% | 3,857 |
| Return on assets (ROA) | 0.6084% | 4,004 |
| Pretax return on assets | 0.8741% | 3,564 |
| Return on Equity (ROE) | 6.7412% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.7412% | 2,243 |
| Net charge-offs to loans | 1.4217% | 1,216 |
| Credit loss provision to net charge-offs | 117.5793% | 2,967 |
| Earnings coverage of net charge-offs (x) | 1.9625% | 3,556 |
| Efficiency ratio | 53.9242% | 6,981 |
| Assets per employee ($millions) | 4.0651% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 2,838 |
| Loan loss allowance to noncurrent loans | 37.0649% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 5.7817% | 1,051 |
| Noncurrent loans to loans | 4.7648% | 1,546 |
| Net loans and leases to total assets | 76.1393% | 1,514 |
| Net loans and leases to deposits | 85.8651% | 2,612 |
| Net loans and leases to core deposits | 89.3655% | 3,450 |
| Total domestic deposits to total assets | 88.6731% | 1,695 |
| Equity capital to assets | 9.0312% | 5,231 |
| Core capital (leverage) ratio | 9.0776% | 4,420 |
| Tier 1 risk-based capital ratio | 11.1529% | 6,005 |
| Total risk-based capital ratio | 12.4137% | 5,959 |
| Memoranda: | ||
| Average total assets | $124,924,000 | 4,525 |
| Average earning assets | $111,348,000 | 4,577 |
| Average equity | $11,274,000 | 4,903 |
| Average total loans | $97,629,000 | 4,034 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3021% | 175 |
| Cost of funding earning assets | 2.9165% | 292 |
| Net interest margin | 4.3857% | 1,475 |
| Noninterest income to average assets | 0.5362% | 4,130 |
| Noninterest expense to average assets | 3.0091% | 4,108 |
| Loan and lease loss provision to assets | 0.9808% | 2,306 |
| Net operating income to assets | 0.3238% | 4,438 |
| Return on assets (ROA) | 0.3330% | 4,493 |
| Pretax return on assets | 0.3922% | 4,518 |
| Return on Equity (ROE) | 3.6157% | 4,246 |
| Retained earnings to average equity (ytd only) | -0.4248% | 5,073 |
| Net charge-offs to loans | 1.0152% | 2,381 |
| Credit loss provision to net charge-offs | 123.6097% | 4,266 |
| Earnings coverage of net charge-offs (x) | 1.7167% | 4,452 |
| Efficiency ratio | 68.8381% | 4,854 |
| Assets per employee ($millions) | 4.4225% | 3,065 |
| Cash dividends to net income (ytd only)* | 111.7500% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 2,882 |
| Loan loss allowance to noncurrent loans | 41.7671% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 5.3429% | 1,102 |
| Noncurrent loans to loans | 4.0827% | 1,808 |
| Net loans and leases to total assets | 77.4609% | 1,491 |
| Net loans and leases to deposits | 87.3953% | 2,662 |
| Net loans and leases to core deposits | 137.7691% | 883 |
| Total domestic deposits to total assets | 88.6327% | 1,661 |
| Equity capital to assets | 9.0181% | 5,120 |
| Core capital (leverage) ratio | 8.9676% | 4,478 |
| Tier 1 risk-based capital ratio | 10.9544% | 5,956 |
| Total risk-based capital ratio | 12.2145% | 5,918 |
| Memoranda: | ||
| Average total assets | $120,103,800 | 4,561 |
| Average earning assets | $105,024,000 | 4,702 |
| Average equity | $11,063,000 | 5,007 |
| Average total loans | $93,868,800 | 4,107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4422% | 156 |
| Cost of funding earning assets | 3.0548% | 276 |
| Net interest margin | 4.3875% | 1,470 |
| Noninterest income to average assets | 0.5001% | 4,476 |
| Noninterest expense to average assets | 3.1159% | 3,596 |
| Loan and lease loss provision to assets | 0.8671% | 2,214 |
| Net operating income to assets | 0.2282% | 5,062 |
| Return on assets (ROA) | 0.2282% | 5,147 |
| Pretax return on assets | 0.3368% | 4,962 |
| Return on Equity (ROE) | 2.4643% | 5,009 |
| Retained earnings to average equity (ytd only) | -2.9355% | 5,927 |
| Net charge-offs to loans | 0.8234% | 2,317 |
| Credit loss provision to net charge-offs | 135.0174% | 3,675 |
| Earnings coverage of net charge-offs (x) | 1.8746% | 4,403 |
| Efficiency ratio | 72.1316% | 4,220 |
| Assets per employee ($millions) | 4.3615% | 3,103 |
| Cash dividends to net income (ytd only)* | 219.1220% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 2,607 |
| Loan loss allowance to noncurrent loans | 39.9221% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 5.2889% | 1,098 |
| Noncurrent loans to loans | 4.2716% | 1,682 |
| Net loans and leases to total assets | 77.4056% | 1,695 |
| Net loans and leases to deposits | 87.4735% | 3,067 |
| Net loans and leases to core deposits | 137.9255% | 1,015 |
| Total domestic deposits to total assets | 88.4903% | 1,441 |
| Equity capital to assets | 9.0180% | 5,457 |
| Core capital (leverage) ratio | 8.8701% | 4,862 |
| Tier 1 risk-based capital ratio | 10.8869% | 6,067 |
| Total risk-based capital ratio | 12.1574% | 6,004 |
| Memoranda: | ||
| Average total assets | $119,172,500 | 4,619 |
| Average earning assets | $103,747,500 | 4,773 |
| Average equity | $11,037,000 | 5,065 |
| Average total loans | $92,940,250 | 4,172 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6145% | 134 |
| Cost of funding earning assets | 3.1704% | 289 |
| Net interest margin | 4.4441% | 1,304 |
| Noninterest income to average assets | 0.4264% | 5,071 |
| Noninterest expense to average assets | 3.4267% | 2,546 |
| Loan and lease loss provision to assets | 0.7310% | 2,242 |
| Net operating income to assets | 0.1286% | 5,478 |
| Return on assets (ROA) | 0.1286% | 5,584 |
| Pretax return on assets | 0.0948% | 5,688 |
| Return on Equity (ROE) | 1.3762% | 5,509 |
| Retained earnings to average equity (ytd only) | -3.1145% | 5,987 |
| Net charge-offs to loans | 0.6140% | 2,504 |
| Credit loss provision to net charge-offs | 153.1915% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.7305% | 4,257 |
| Efficiency ratio | 80.5810% | 2,952 |
| Assets per employee ($millions) | 4.7252% | 2,434 |
| Cash dividends to net income (ytd only)* | 326.3158% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 2,408 |
| Loan loss allowance to noncurrent loans | 50.3805% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 4.3295% | 1,331 |
| Noncurrent loans to loans | 3.3389% | 2,110 |
| Net loans and leases to total assets | 75.5954% | 2,289 |
| Net loans and leases to deposits | 85.2287% | 3,698 |
| Net loans and leases to core deposits | 132.4170% | 1,412 |
| Total domestic deposits to total assets | 88.6972% | 1,438 |
| Equity capital to assets | 8.9122% | 5,435 |
| Core capital (leverage) ratio | 9.0242% | 4,586 |
| Tier 1 risk-based capital ratio | 11.0054% | 5,868 |
| Total risk-based capital ratio | 12.2593% | 5,794 |
| Memoranda: | ||
| Average total assets | $118,189,000 | 4,684 |
| Average earning assets | $101,753,330 | 4,850 |
| Average equity | $11,045,000 | 5,074 |
| Average total loans | $91,863,670 | 4,234 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8083% | 115 |
| Cost of funding earning assets | 3.2564% | 299 |
| Net interest margin | 4.5518% | 1,034 |
| Noninterest income to average assets | 0.5938% | 3,593 |
| Noninterest expense to average assets | 2.5756% | 5,549 |
| Loan and lease loss provision to assets | 0.4109% | 2,864 |
| Net operating income to assets | 1.1083% | 1,934 |
| Return on assets (ROA) | 1.1083% | 2,061 |
| Pretax return on assets | 1.5744% | 1,472 |
| Return on Equity (ROE) | 11.5749% | 1,789 |
| Retained earnings to average equity (ytd only) | 2.6323% | 4,415 |
| Net charge-offs to loans | 0.5918% | 1,993 |
| Credit loss provision to net charge-offs | 88.8060% | 4,030 |
| Earnings coverage of net charge-offs (x) | 4.2910% | 2,917 |
| Efficiency ratio | 56.4724% | 6,903 |
| Assets per employee ($millions) | 4.4114% | 2,863 |
| Cash dividends to net income (ytd only)* | 77.2586% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 2,674 |
| Loan loss allowance to noncurrent loans | 83.8634% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 3.4171% | 1,584 |
| Noncurrent loans to loans | 1.8659% | 3,468 |
| Net loans and leases to total assets | 75.2088% | 2,454 |
| Net loans and leases to deposits | 85.3133% | 3,755 |
| Net loans and leases to core deposits | 130.7627% | 1,611 |
| Total domestic deposits to total assets | 88.1560% | 1,678 |
| Equity capital to assets | 9.3731% | 4,842 |
| Core capital (leverage) ratio | 9.6189% | 3,853 |
| Tier 1 risk-based capital ratio | 11.5500% | 5,358 |
| Total risk-based capital ratio | 12.8027% | 5,255 |
| Memoranda: | ||
| Average total assets | $115,856,500 | 4,755 |
| Average earning assets | $100,970,000 | 4,887 |
| Average equity | $11,093,000 | 5,080 |
| Average total loans | $90,565,000 | 4,291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4814% | 105 |
| Cost of funding earning assets | 3.6370% | 333 |
| Net interest margin | 4.8444% | 717 |
| Noninterest income to average assets | 0.8679% | 2,122 |
| Noninterest expense to average assets | 2.5060% | 5,978 |
| Loan and lease loss provision to assets | 0.8850% | 1,688 |
| Net operating income to assets | 1.3308% | 1,399 |
| Return on assets (ROA) | 0.8353% | 3,126 |
| Pretax return on assets | 1.1906% | 2,677 |
| Return on Equity (ROE) | 8.3216% | 2,933 |
| Retained earnings to average equity (ytd only) | 0.7745% | 4,763 |
| Net charge-offs to loans | 1.5262% | 758 |
| Credit loss provision to net charge-offs | 76.2461% | 5,973 |
| Earnings coverage of net charge-offs (x) | 2.3980% | 4,878 |
| Efficiency ratio | 47.3765% | 7,850 |
| Assets per employee ($millions) | 4.1706% | 3,166 |
| Cash dividends to net income (ytd only)* | 90.6926% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 2,259 |
| Loan loss allowance to noncurrent loans | 60.0835% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 4.5379% | 822 |
| Noncurrent loans to loans | 2.6574% | 2,043 |
| Net loans and leases to total assets | 78.7596% | 1,945 |
| Net loans and leases to deposits | 89.9017% | 3,473 |
| Net loans and leases to core deposits | 138.5512% | 1,339 |
| Total domestic deposits to total assets | 87.6063% | 1,669 |
| Equity capital to assets | 9.7881% | 4,308 |
| Core capital (leverage) ratio | 9.9217% | 3,521 |
| Tier 1 risk-based capital ratio | 11.6294% | 5,122 |
| Total risk-based capital ratio | 12.8828% | 5,011 |
| Memoranda: | ||
| Average total assets | $110,615,800 | 4,759 |
| Average earning assets | $100,962,000 | 4,777 |
| Average equity | $11,103,600 | 5,096 |
| Average total loans | $84,128,400 | 4,394 |