Home > Pine Country Bank > Performance and Condition Ratios
Pine Country Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 2,093 |
| Cost of funding earning assets | 0.6685% | 3,972 |
| Net interest margin | 4.3175% | 791 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.5877% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2119% | 1,623 |
| Return on assets (ROA) | 1.2224% | 1,573 |
| Pretax return on assets | 1.6872% | 1,084 |
| Return on Equity (ROE) | 11.2900% | 2,148 |
| Retained earnings to average equity (ytd only) | 11.2939% | 730 |
| Net charge-offs to loans | 0.0131% | 2,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 207.8000% | 574 |
| Efficiency ratio | 59.5407% | 3,134 |
| Assets per employee ($millions) | 6.1246% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,092 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,526 |
| Noncurrent loans to loans | 0.2469% | 2,317 |
| Net loans and leases to total assets | 59.7400% | 2,871 |
| Net loans and leases to deposits | 69.0845% | 2,946 |
| Net loans and leases to core deposits | 72.5479% | 3,154 |
| Total domestic deposits to total assets | 86.4800% | 1,868 |
| Equity capital to assets | 11.4352% | 1,316 |
| Core capital (leverage) ratio | 9.9714% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7040% | 1,345 |
| Memoranda: | ||
| Average total assets | $248,288,400 | 2,694 |
| Average earning assets | $230,224,800 | 2,688 |
| Average equity | $26,873,000 | 2,410 |
| Average total loans | $152,397,600 | 2,656 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 2,224 |
| Cost of funding earning assets | 0.5818% | 4,001 |
| Net interest margin | 4.2367% | 878 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.4977% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2581% | 1,637 |
| Return on assets (ROA) | 1.2645% | 1,609 |
| Pretax return on assets | 1.6840% | 1,195 |
| Return on Equity (ROE) | 11.8500% | 2,163 |
| Retained earnings to average equity (ytd only) | 11.8527% | 996 |
| Net charge-offs to loans | 0.0210% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 804 |
| Efficiency ratio | 59.8452% | 2,981 |
| Assets per employee ($millions) | 6.1737% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,238 |
| Loan loss allowance to noncurrent loans | 442.0188% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 2,463 |
| Noncurrent loans to loans | 0.2776% | 2,242 |
| Net loans and leases to total assets | 59.8900% | 2,859 |
| Net loans and leases to deposits | 68.5965% | 2,935 |
| Net loans and leases to core deposits | 71.3942% | 3,141 |
| Total domestic deposits to total assets | 87.3100% | 1,798 |
| Equity capital to assets | 10.5119% | 1,551 |
| Core capital (leverage) ratio | 9.6908% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1618% | 1,521 |
| Memoranda: | ||
| Average total assets | $247,583,000 | 2,702 |
| Average earning assets | $229,385,250 | 2,694 |
| Average equity | $26,412,500 | 2,426 |
| Average total loans | $152,523,500 | 2,660 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 2,293 |
| Cost of funding earning assets | 0.4703% | 4,035 |
| Net interest margin | 4.1866% | 949 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.5710% | 1,999 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1664% | 1,926 |
| Return on assets (ROA) | 1.1761% | 1,888 |
| Pretax return on assets | 1.5643% | 1,474 |
| Return on Equity (ROE) | 10.9700% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.9689% | 1,188 |
| Net charge-offs to loans | 0.0079% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 317.8333% | 431 |
| Efficiency ratio | 62.3569% | 2,669 |
| Assets per employee ($millions) | 6.3073% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,225 |
| Loan loss allowance to noncurrent loans | 1,712.6126% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,320 |
| Noncurrent loans to loans | 0.0724% | 3,181 |
| Net loans and leases to total assets | 61.5100% | 2,622 |
| Net loans and leases to deposits | 70.5265% | 2,744 |
| Net loans and leases to core deposits | 73.3782% | 2,936 |
| Total domestic deposits to total assets | 87.2200% | 1,862 |
| Equity capital to assets | 10.7591% | 1,481 |
| Core capital (leverage) ratio | 9.6996% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5417% | 1,713 |
| Memoranda: | ||
| Average total assets | $245,736,333 | 2,719 |
| Average earning assets | $227,490,333 | 2,715 |
| Average equity | $26,347,333 | 2,442 |
| Average total loans | $152,204,667 | 2,654 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 2,158 |
| Cost of funding earning assets | 0.3640% | 4,041 |
| Net interest margin | 4.2010% | 945 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.6285% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0926% | 2,255 |
| Return on assets (ROA) | 1.1042% | 2,178 |
| Pretax return on assets | 1.4771% | 1,719 |
| Return on Equity (ROE) | 10.3200% | 2,690 |
| Retained earnings to average equity (ytd only) | 10.3165% | 1,626 |
| Net charge-offs to loans | 0.0053% | 1,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 251 |
| Efficiency ratio | 64.2516% | 2,428 |
| Assets per employee ($millions) | 5.8851% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,303 |
| Loan loss allowance to noncurrent loans | 744.1406% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 2,784 |
| Noncurrent loans to loans | 0.1677% | 2,653 |
| Net loans and leases to total assets | 62.4900% | 2,415 |
| Net loans and leases to deposits | 71.7284% | 2,493 |
| Net loans and leases to core deposits | 72.7617% | 2,760 |
| Total domestic deposits to total assets | 87.1100% | 2,222 |
| Equity capital to assets | 10.7812% | 1,421 |
| Core capital (leverage) ratio | 9.2538% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5285% | 1,787 |
| Memoranda: | ||
| Average total assets | $245,611,500 | 2,751 |
| Average earning assets | $227,470,000 | 2,755 |
| Average equity | $26,288,000 | 2,473 |
| Average total loans | $151,699,500 | 2,688 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 1,566 |
| Cost of funding earning assets | 0.1641% | 3,690 |
| Net interest margin | 3.7010% | 1,133 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.1900% | 2,958 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0342% | 2,344 |
| Return on assets (ROA) | 1.0300% | 2,333 |
| Pretax return on assets | 1.4457% | 1,576 |
| Return on Equity (ROE) | 9.7600% | 2,800 |
| Retained earnings to average equity (ytd only) | 9.7578% | 1,413 |
| Net charge-offs to loans | 0.0010% | 2,289 |
| Credit loss provision to net charge-offs | 10,300.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 2,850.0000% | 39 |
| Efficiency ratio | 59.2624% | 3,215 |
| Assets per employee ($millions) | 5.9417% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0688% | 4,642 |
| Loan loss allowance to noncurrent loans | 21.0744% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 2,340 |
| Noncurrent loans to loans | 0.3266% | 2,062 |
| Net loans and leases to total assets | 57.9700% | 2,702 |
| Net loans and leases to deposits | 64.6002% | 2,817 |
| Net loans and leases to core deposits | 65.0328% | 3,022 |
| Total domestic deposits to total assets | 89.7400% | 1,766 |
| Equity capital to assets | 10.0461% | 1,593 |
| Core capital (leverage) ratio | 8.8918% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4362% | 2,298 |
| Memoranda: | ||
| Average total assets | $252,418,500 | 2,736 |
| Average earning assets | $232,330,500 | 2,743 |
| Average equity | $26,644,750 | 2,534 |
| Average total loans | $139,684,750 | 2,733 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 1,783 |
| Cost of funding earning assets | 0.1617% | 3,423 |
| Net interest margin | 3.4557% | 1,433 |
| Noninterest income to average assets | 0.2729% | 3,535 |
| Noninterest expense to average assets | 2.1663% | 2,955 |
| Loan and lease loss provision to assets | 0.0652% | 1,436 |
| Net operating income to assets | 0.8658% | 2,707 |
| Return on assets (ROA) | 0.8576% | 2,720 |
| Pretax return on assets | 1.2108% | 2,042 |
| Return on Equity (ROE) | 7.9939% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.9939% | 1,620 |
| Net charge-offs to loans | 0.0015% | 2,077 |
| Credit loss provision to net charge-offs | 8,200.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,617.0000% | 72 |
| Efficiency ratio | 62.7419% | 2,950 |
| Assets per employee ($millions) | 5.7531% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0562% | 4,714 |
| Loan loss allowance to noncurrent loans | 11.3128% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 1,889 |
| Noncurrent loans to loans | 0.4968% | 1,631 |
| Net loans and leases to total assets | 56.8995% | 2,652 |
| Net loans and leases to deposits | 63.4613% | 2,772 |
| Net loans and leases to core deposits | 63.8192% | 2,987 |
| Total domestic deposits to total assets | 89.6601% | 1,863 |
| Equity capital to assets | 10.1108% | 1,649 |
| Core capital (leverage) ratio | 8.9004% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2027% | 2,409 |
| Memoranda: | ||
| Average total assets | $251,394,000 | 2,766 |
| Average earning assets | $231,328,000 | 2,784 |
| Average equity | $26,970,667 | 2,583 |
| Average total loans | $136,843,333 | 2,776 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1060% | 2,968 |
| Cost of funding earning assets | 0.1653% | 3,293 |
| Net interest margin | 2.9407% | 2,705 |
| Noninterest income to average assets | 0.2363% | 3,726 |
| Noninterest expense to average assets | 2.2513% | 2,679 |
| Loan and lease loss provision to assets | 0.0814% | 1,007 |
| Net operating income to assets | 0.3994% | 3,954 |
| Return on assets (ROA) | 0.3944% | 3,934 |
| Pretax return on assets | 0.5956% | 3,648 |
| Return on Equity (ROE) | 3.5721% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.5721% | 3,087 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7138% | 1,447 |
| Assets per employee ($millions) | 6.5756% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0376% | 4,745 |
| Loan loss allowance to noncurrent loans | 6.5469% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 1,362 |
| Noncurrent loans to loans | 0.5748% | 1,606 |
| Net loans and leases to total assets | 54.2171% | 2,730 |
| Net loans and leases to deposits | 60.9993% | 2,809 |
| Net loans and leases to core deposits | 61.4200% | 3,029 |
| Total domestic deposits to total assets | 88.8816% | 2,126 |
| Equity capital to assets | 10.7979% | 1,441 |
| Core capital (leverage) ratio | 8.7259% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9802% | 2,213 |
| Memoranda: | ||
| Average total assets | $250,523,000 | 2,787 |
| Average earning assets | $229,880,500 | 2,806 |
| Average equity | $27,659,000 | 2,626 |
| Average total loans | $133,208,000 | 2,817 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,837 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 0.0000% | 4,835 |
| Noninterest income to average assets | 0.0000% | 4,810 |
| Noninterest expense to average assets | 0.0000% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0000% | 4,680 |
| Return on assets (ROA) | 0.0000% | 4,691 |
| Pretax return on assets | 0.0000% | 4,690 |
| Return on Equity (ROE) | 0.0000% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,488 |
| Net charge-offs to loans | 0.0090% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,648 |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 6.9770% | 1,943 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,230 |
| Noncurrent loans to loans | 0.7739% | 1,317 |
| Net loans and leases to total assets | 52.1119% | 3,052 |
| Net loans and leases to deposits | 58.9395% | 3,176 |
| Net loans and leases to core deposits | 59.3454% | 3,368 |
| Total domestic deposits to total assets | 88.4160% | 1,835 |
| Equity capital to assets | 11.2819% | 1,614 |
| Core capital (leverage) ratio | 8.8321% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2358% | 2,148 |
| Memoranda: | ||
| Average total assets | $236,289,800 | 2,811 |
| Average earning assets | $222,556,400 | 2,792 |
| Average equity | $22,109,400 | 3,053 |
| Average total loans | $133,549,200 | 2,807 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 1,349 |
| Cost of funding earning assets | 0.1935% | 3,684 |
| Net interest margin | 3.8875% | 962 |
| Noninterest income to average assets | 0.5045% | 2,605 |
| Noninterest expense to average assets | 2.3132% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3662% | 1,640 |
| Return on assets (ROA) | 1.3816% | 1,656 |
| Pretax return on assets | 1.9085% | 932 |
| Return on Equity (ROE) | 15.6344% | 1,014 |
| Retained earnings to average equity (ytd only) | 15.6344% | 325 |
| Net charge-offs to loans | 0.0060% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 549.1667% | 275 |
| Efficiency ratio | 55.0477% | 3,649 |
| Assets per employee ($millions) | 6.4164% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,444 |
| Loan loss allowance to noncurrent loans | 70.0957% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 668 |
| Noncurrent loans to loans | 1.5679% | 656 |
| Net loans and leases to total assets | 54.0702% | 2,964 |
| Net loans and leases to deposits | 59.6587% | 3,262 |
| Net loans and leases to core deposits | 59.8570% | 3,477 |
| Total domestic deposits to total assets | 90.6325% | 493 |
| Equity capital to assets | 8.8827% | 3,937 |
| Core capital (leverage) ratio | 8.5670% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,569,000 | 2,864 |
| Average earning assets | $221,218,250 | 2,829 |
| Average equity | $20,552,500 | 3,206 |
| Average total loans | $134,213,750 | 2,833 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 714 |
| Cost of funding earning assets | 0.1999% | 3,748 |
| Net interest margin | 4.3091% | 486 |
| Noninterest income to average assets | 0.5507% | 2,402 |
| Noninterest expense to average assets | 2.3853% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6468% | 959 |
| Return on assets (ROA) | 1.6668% | 978 |
| Pretax return on assets | 2.2979% | 481 |
| Return on Equity (ROE) | 18.8962% | 553 |
| Retained earnings to average equity (ytd only) | 18.8962% | 191 |
| Net charge-offs to loans | -0.0089% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2104% | 4,126 |
| Assets per employee ($millions) | 6.2725% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,552 |
| Loan loss allowance to noncurrent loans | 178.5973% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 1,762 |
| Noncurrent loans to loans | 0.5978% | 1,909 |
| Net loans and leases to total assets | 55.9455% | 2,903 |
| Net loans and leases to deposits | 61.5578% | 3,241 |
| Net loans and leases to core deposits | 61.7606% | 3,484 |
| Total domestic deposits to total assets | 90.8829% | 410 |
| Equity capital to assets | 8.5611% | 4,155 |
| Core capital (leverage) ratio | 8.9782% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,818,000 | 2,885 |
| Average earning assets | $218,095,333 | 2,846 |
| Average equity | $20,184,000 | 3,224 |
| Average total loans | $134,518,333 | 2,838 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2205% | 266 |
| Cost of funding earning assets | 0.2147% | 3,776 |
| Net interest margin | 5.0057% | 187 |
| Noninterest income to average assets | 0.7061% | 1,856 |
| Noninterest expense to average assets | 2.5421% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1175% | 475 |
| Return on assets (ROA) | 2.1347% | 500 |
| Pretax return on assets | 2.9549% | 243 |
| Return on Equity (ROE) | 23.8032% | 302 |
| Retained earnings to average equity (ytd only) | 23.8032% | 163 |
| Net charge-offs to loans | -0.0181% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4286% | 4,439 |
| Assets per employee ($millions) | 5.7730% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,487 |
| Loan loss allowance to noncurrent loans | 71.7339% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 935 |
| Noncurrent loans to loans | 1.5189% | 821 |
| Net loans and leases to total assets | 59.5533% | 2,593 |
| Net loans and leases to deposits | 65.9137% | 2,923 |
| Net loans and leases to core deposits | 66.1508% | 3,231 |
| Total domestic deposits to total assets | 90.3503% | 643 |
| Equity capital to assets | 9.0083% | 3,673 |
| Core capital (leverage) ratio | 9.1396% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,920,500 | 2,920 |
| Average earning assets | $210,478,500 | 2,888 |
| Average equity | $19,812,500 | 3,256 |
| Average total loans | $132,609,500 | 2,869 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 1,356 |
| Cost of funding earning assets | 0.3918% | 3,630 |
| Net interest margin | 4.0915% | 801 |
| Noninterest income to average assets | 0.4371% | 2,926 |
| Noninterest expense to average assets | 2.6335% | 2,442 |
| Loan and lease loss provision to assets | 0.0905% | 3,232 |
| Net operating income to assets | 1.1086% | 1,894 |
| Return on assets (ROA) | 1.2755% | 1,419 |
| Pretax return on assets | 1.8057% | 678 |
| Return on Equity (ROE) | 13.8006% | 862 |
| Retained earnings to average equity (ytd only) | 3.4610% | 3,100 |
| Net charge-offs to loans | 0.0853% | 1,607 |
| Credit loss provision to net charge-offs | 155.1724% | 2,390 |
| Earnings coverage of net charge-offs (x) | 28.8793% | 1,645 |
| Efficiency ratio | 60.9830% | 3,318 |
| Assets per employee ($millions) | 5.5562% | 2,783 |
| Cash dividends to net income (ytd only)* | 74.9211% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,287 |
| Loan loss allowance to noncurrent loans | 67.0771% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1505% | 776 |
| Noncurrent loans to loans | 1.6914% | 760 |
| Net loans and leases to total assets | 59.1565% | 2,964 |
| Net loans and leases to deposits | 65.3470% | 3,332 |
| Net loans and leases to core deposits | 66.2679% | 3,521 |
| Total domestic deposits to total assets | 90.5267% | 365 |
| Equity capital to assets | 8.9265% | 4,119 |
| Core capital (leverage) ratio | 8.6916% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,819,600 | 2,952 |
| Average earning assets | $188,609,400 | 2,921 |
| Average equity | $18,376,000 | 3,336 |
| Average total loans | $135,933,400 | 2,794 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 1,011 |
| Cost of funding earning assets | 0.4325% | 3,625 |
| Net interest margin | 4.2914% | 594 |
| Noninterest income to average assets | 0.4068% | 3,044 |
| Noninterest expense to average assets | 2.6330% | 2,438 |
| Loan and lease loss provision to assets | 0.0926% | 3,155 |
| Net operating income to assets | 1.2288% | 1,551 |
| Return on assets (ROA) | 1.3762% | 1,254 |
| Pretax return on assets | 1.9380% | 583 |
| Return on Equity (ROE) | 14.7489% | 735 |
| Retained earnings to average equity (ytd only) | 0.7794% | 4,316 |
| Net charge-offs to loans | 0.1125% | 1,222 |
| Credit loss provision to net charge-offs | 116.3793% | 2,511 |
| Earnings coverage of net charge-offs (x) | 23.1724% | 1,810 |
| Efficiency ratio | 58.8109% | 3,553 |
| Assets per employee ($millions) | 5.6839% | 2,551 |
| Cash dividends to net income (ytd only)* | 94.7159% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,486 |
| Loan loss allowance to noncurrent loans | 132.6512% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 1,774 |
| Noncurrent loans to loans | 0.7889% | 1,846 |
| Net loans and leases to total assets | 64.1156% | 2,758 |
| Net loans and leases to deposits | 70.9702% | 3,218 |
| Net loans and leases to core deposits | 74.2049% | 3,307 |
| Total domestic deposits to total assets | 90.3416% | 319 |
| Equity capital to assets | 9.0246% | 4,103 |
| Core capital (leverage) ratio | 8.6585% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,351,250 | 2,967 |
| Average earning assets | $184,332,750 | 2,939 |
| Average equity | $18,134,250 | 3,355 |
| Average total loans | $137,502,000 | 2,780 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 697 |
| Cost of funding earning assets | 0.4558% | 3,763 |
| Net interest margin | 4.6359% | 391 |
| Noninterest income to average assets | 0.4190% | 2,977 |
| Noninterest expense to average assets | 2.6662% | 2,477 |
| Loan and lease loss provision to assets | 0.0952% | 3,082 |
| Net operating income to assets | 1.4498% | 1,023 |
| Return on assets (ROA) | 1.6780% | 697 |
| Pretax return on assets | 2.3477% | 283 |
| Return on Equity (ROE) | 17.7677% | 387 |
| Retained earnings to average equity (ytd only) | -3.5177% | 4,693 |
| Net charge-offs to loans | 0.1595% | 927 |
| Credit loss provision to net charge-offs | 81.8182% | 2,499 |
| Earnings coverage of net charge-offs (x) | 18.5091% | 1,761 |
| Efficiency ratio | 55.3117% | 4,029 |
| Assets per employee ($millions) | 5.1913% | 2,944 |
| Cash dividends to net income (ytd only)* | 119.7982% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,616 |
| Loan loss allowance to noncurrent loans | 100.7994% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 1,541 |
| Noncurrent loans to loans | 0.9835% | 1,579 |
| Net loans and leases to total assets | 66.7082% | 2,535 |
| Net loans and leases to deposits | 73.7477% | 3,100 |
| Net loans and leases to core deposits | 80.8650% | 2,885 |
| Total domestic deposits to total assets | 90.4547% | 285 |
| Equity capital to assets | 8.8759% | 4,191 |
| Core capital (leverage) ratio | 9.0002% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,034,000 | 2,999 |
| Average earning assets | $179,470,667 | 2,966 |
| Average equity | $17,852,667 | 3,378 |
| Average total loans | $137,915,000 | 2,769 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 1,052 |
| Cost of funding earning assets | 0.4742% | 4,052 |
| Net interest margin | 4.4840% | 523 |
| Noninterest income to average assets | 0.4095% | 3,030 |
| Noninterest expense to average assets | 2.8844% | 2,169 |
| Loan and lease loss provision to assets | 0.1002% | 2,432 |
| Net operating income to assets | 1.1579% | 1,665 |
| Return on assets (ROA) | 1.6292% | 646 |
| Pretax return on assets | 2.2724% | 253 |
| Return on Equity (ROE) | 16.6709% | 369 |
| Retained earnings to average equity (ytd only) | -26.6006% | 5,022 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8911% | 3,510 |
| Assets per employee ($millions) | 4.5348% | 3,214 |
| Cash dividends to net income (ytd only)* | 259.5628% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,387 |
| Loan loss allowance to noncurrent loans | 87.2596% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1105% | 1,171 |
| Noncurrent loans to loans | 1.2190% | 1,339 |
| Net loans and leases to total assets | 76.3606% | 1,240 |
| Net loans and leases to deposits | 86.0240% | 1,998 |
| Net loans and leases to core deposits | 90.9678% | 2,255 |
| Total domestic deposits to total assets | 88.7666% | 770 |
| Equity capital to assets | 9.4743% | 4,243 |
| Core capital (leverage) ratio | 9.4729% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,725,000 | 3,046 |
| Average earning assets | $170,382,500 | 3,022 |
| Average equity | $17,563,500 | 3,413 |
| Average total loans | $136,918,500 | 2,756 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,811 |
| Cost of funding earning assets | 0.4560% | 4,250 |
| Net interest margin | 4.4251% | 847 |
| Noninterest income to average assets | 0.4226% | 3,161 |
| Noninterest expense to average assets | 2.9219% | 2,228 |
| Loan and lease loss provision to assets | 0.0171% | 3,676 |
| Net operating income to assets | 1.2341% | 1,930 |
| Return on assets (ROA) | 1.2377% | 1,999 |
| Pretax return on assets | 1.6836% | 1,238 |
| Return on Equity (ROE) | 12.5994% | 1,300 |
| Retained earnings to average equity (ytd only) | 3.6123% | 3,192 |
| Net charge-offs to loans | 0.0433% | 2,523 |
| Credit loss provision to net charge-offs | 53.5714% | 3,097 |
| Earnings coverage of net charge-offs (x) | 53.1786% | 1,074 |
| Efficiency ratio | 63.2708% | 3,182 |
| Assets per employee ($millions) | 4.6819% | 2,971 |
| Cash dividends to net income (ytd only)* | 71.3300% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,349 |
| Loan loss allowance to noncurrent loans | 213.5053% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 2,103 |
| Noncurrent loans to loans | 0.4798% | 2,749 |
| Net loans and leases to total assets | 74.4437% | 1,674 |
| Net loans and leases to deposits | 83.4734% | 2,391 |
| Net loans and leases to core deposits | 88.8146% | 2,531 |
| Total domestic deposits to total assets | 89.1825% | 600 |
| Equity capital to assets | 10.0612% | 3,861 |
| Core capital (leverage) ratio | 10.0339% | 3,478 |
| Tier 1 risk-based capital ratio | 12.3725% | 4,145 |
| Total risk-based capital ratio | 13.3467% | 4,190 |
| Memoranda: | ||
| Average total assets | $175,573,000 | 3,059 |
| Average earning assets | $166,459,600 | 3,026 |
| Average equity | $17,246,800 | 3,409 |
| Average total loans | $129,264,400 | 2,827 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 1,985 |
| Cost of funding earning assets | 0.4408% | 4,362 |
| Net interest margin | 4.4054% | 934 |
| Noninterest income to average assets | 0.4211% | 3,198 |
| Noninterest expense to average assets | 2.8888% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2662% | 1,965 |
| Return on assets (ROA) | 1.2710% | 2,026 |
| Pretax return on assets | 1.7167% | 1,294 |
| Return on Equity (ROE) | 13.0220% | 1,273 |
| Retained earnings to average equity (ytd only) | 0.8409% | 4,604 |
| Net charge-offs to loans | 0.0576% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 40.5463% | 1,368 |
| Efficiency ratio | 62.8085% | 3,197 |
| Assets per employee ($millions) | 4.4755% | 3,249 |
| Cash dividends to net income (ytd only)* | 93.5427% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,440 |
| Loan loss allowance to noncurrent loans | 92.6698% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 1,223 |
| Noncurrent loans to loans | 1.1043% | 1,436 |
| Net loans and leases to total assets | 74.4513% | 1,721 |
| Net loans and leases to deposits | 83.5802% | 2,502 |
| Net loans and leases to core deposits | 88.4578% | 2,687 |
| Total domestic deposits to total assets | 89.0777% | 587 |
| Equity capital to assets | 9.9593% | 4,059 |
| Core capital (leverage) ratio | 9.9663% | 3,671 |
| Tier 1 risk-based capital ratio | 12.1272% | 4,350 |
| Total risk-based capital ratio | 13.0901% | 4,379 |
| Memoranda: | ||
| Average total assets | $173,818,000 | 3,107 |
| Average earning assets | $164,853,750 | 3,071 |
| Average equity | $16,965,750 | 3,459 |
| Average total loans | $127,246,500 | 2,888 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 2,129 |
| Cost of funding earning assets | 0.4180% | 4,440 |
| Net interest margin | 4.3612% | 1,015 |
| Noninterest income to average assets | 0.3812% | 3,393 |
| Noninterest expense to average assets | 2.9172% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1942% | 2,170 |
| Return on assets (ROA) | 1.1878% | 2,257 |
| Pretax return on assets | 1.5911% | 1,572 |
| Return on Equity (ROE) | 12.2557% | 1,487 |
| Retained earnings to average equity (ytd only) | -6.3317% | 5,104 |
| Net charge-offs to loans | 0.0978% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 22.5574% | 1,688 |
| Efficiency ratio | 64.5908% | 3,040 |
| Assets per employee ($millions) | 4.4606% | 3,204 |
| Cash dividends to net income (ytd only)* | 151.6634% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,201 |
| Loan loss allowance to noncurrent loans | 89.6146% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1301% | 1,191 |
| Noncurrent loans to loans | 1.2023% | 1,331 |
| Net loans and leases to total assets | 72.4118% | 2,158 |
| Net loans and leases to deposits | 81.1154% | 2,832 |
| Net loans and leases to core deposits | 83.6953% | 3,134 |
| Total domestic deposits to total assets | 89.2701% | 556 |
| Equity capital to assets | 9.8102% | 4,129 |
| Core capital (leverage) ratio | 9.9133% | 3,685 |
| Tier 1 risk-based capital ratio | 12.3700% | 4,206 |
| Total risk-based capital ratio | 13.3851% | 4,228 |
| Memoranda: | ||
| Average total assets | $172,084,330 | 3,135 |
| Average earning assets | $163,164,670 | 3,098 |
| Average equity | $16,678,000 | 3,498 |
| Average total loans | $124,775,330 | 2,928 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 2,118 |
| Cost of funding earning assets | 0.3917% | 4,518 |
| Net interest margin | 4.3383% | 1,031 |
| Noninterest income to average assets | 0.3366% | 3,608 |
| Noninterest expense to average assets | 2.9098% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1377% | 2,318 |
| Return on assets (ROA) | 1.1359% | 2,375 |
| Pretax return on assets | 1.5402% | 1,639 |
| Return on Equity (ROE) | 11.7933% | 1,614 |
| Retained earnings to average equity (ytd only) | -25.8190% | 5,290 |
| Net charge-offs to loans | 0.2073% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 10.3125% | 1,969 |
| Efficiency ratio | 65.3543% | 3,033 |
| Assets per employee ($millions) | 4.3395% | 3,434 |
| Cash dividends to net income (ytd only)* | 318.9300% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,065 |
| Loan loss allowance to noncurrent loans | 55.2462% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.4642% | 823 |
| Noncurrent loans to loans | 2.0095% | 740 |
| Net loans and leases to total assets | 72.0539% | 2,153 |
| Net loans and leases to deposits | 80.2945% | 2,807 |
| Net loans and leases to core deposits | 82.9077% | 3,116 |
| Total domestic deposits to total assets | 89.7371% | 549 |
| Equity capital to assets | 9.5238% | 4,239 |
| Core capital (leverage) ratio | 9.6331% | 3,991 |
| Tier 1 risk-based capital ratio | 12.1636% | 4,374 |
| Total risk-based capital ratio | 13.1926% | 4,387 |
| Memoranda: | ||
| Average total assets | $171,145,500 | 3,180 |
| Average earning assets | $162,369,000 | 3,142 |
| Average equity | $16,484,000 | 3,536 |
| Average total loans | $123,492,500 | 2,984 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,857 |
| Cost of funding earning assets | 0.3054% | 4,552 |
| Net interest margin | 4.3839% | 976 |
| Noninterest income to average assets | 0.3588% | 3,689 |
| Noninterest expense to average assets | 2.9732% | 2,123 |
| Loan and lease loss provision to assets | 0.0812% | 2,505 |
| Net operating income to assets | 1.0803% | 2,675 |
| Return on assets (ROA) | 1.0753% | 2,685 |
| Pretax return on assets | 1.4341% | 2,014 |
| Return on Equity (ROE) | 11.6139% | 1,858 |
| Retained earnings to average equity (ytd only) | 6.9183% | 1,711 |
| Net charge-offs to loans | 0.0285% | 2,836 |
| Credit loss provision to net charge-offs | 411.7647% | 809 |
| Earnings coverage of net charge-offs (x) | 77.2059% | 878 |
| Efficiency ratio | 66.1465% | 2,850 |
| Assets per employee ($millions) | 4.6771% | 2,914 |
| Cash dividends to net income (ytd only)* | 40.4313% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,777 |
| Loan loss allowance to noncurrent loans | 116.4094% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 1,948 |
| Noncurrent loans to loans | 0.9954% | 1,631 |
| Net loans and leases to total assets | 70.6376% | 2,476 |
| Net loans and leases to deposits | 78.8725% | 3,064 |
| Net loans and leases to core deposits | 81.2473% | 3,331 |
| Total domestic deposits to total assets | 89.5591% | 637 |
| Equity capital to assets | 9.7370% | 3,926 |
| Core capital (leverage) ratio | 9.9919% | 3,586 |
| Tier 1 risk-based capital ratio | 12.8398% | 3,945 |
| Total risk-based capital ratio | 13.9067% | 3,927 |
| Memoranda: | ||
| Average total assets | $172,508,400 | 3,146 |
| Average earning assets | $162,755,800 | 3,113 |
| Average equity | $15,972,200 | 3,513 |
| Average total loans | $119,215,800 | 3,004 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,861 |
| Cost of funding earning assets | 0.2916% | 4,582 |
| Net interest margin | 4.3517% | 1,005 |
| Noninterest income to average assets | 0.3867% | 3,554 |
| Noninterest expense to average assets | 3.0182% | 1,963 |
| Loan and lease loss provision to assets | 0.1083% | 1,852 |
| Net operating income to assets | 1.0169% | 3,016 |
| Return on assets (ROA) | 1.0102% | 3,052 |
| Pretax return on assets | 1.3498% | 2,431 |
| Return on Equity (ROE) | 11.0539% | 2,155 |
| Retained earnings to average equity (ytd only) | 4.7059% | 3,391 |
| Net charge-offs to loans | 0.0373% | 2,331 |
| Credit loss provision to net charge-offs | 424.2424% | 789 |
| Earnings coverage of net charge-offs (x) | 57.4532% | 1,080 |
| Efficiency ratio | 67.2991% | 2,661 |
| Assets per employee ($millions) | 4.3707% | 3,328 |
| Cash dividends to net income (ytd only)* | 57.4275% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,675 |
| Loan loss allowance to noncurrent loans | 94.3421% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 1,697 |
| Noncurrent loans to loans | 1.2621% | 1,336 |
| Net loans and leases to total assets | 68.0652% | 2,925 |
| Net loans and leases to deposits | 75.5115% | 3,454 |
| Net loans and leases to core deposits | 77.7463% | 3,679 |
| Total domestic deposits to total assets | 90.1389% | 462 |
| Equity capital to assets | 9.1753% | 4,394 |
| Core capital (leverage) ratio | 9.8346% | 3,812 |
| Tier 1 risk-based capital ratio | 12.7345% | 4,063 |
| Total risk-based capital ratio | 13.8281% | 4,051 |
| Memoranda: | ||
| Average total assets | $172,372,750 | 3,171 |
| Average earning assets | $162,321,750 | 3,137 |
| Average equity | $15,752,750 | 3,562 |
| Average total loans | $118,101,750 | 3,042 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 1,704 |
| Cost of funding earning assets | 0.2889% | 4,506 |
| Net interest margin | 4.3384% | 960 |
| Noninterest income to average assets | 0.4302% | 3,293 |
| Noninterest expense to average assets | 3.0369% | 1,948 |
| Loan and lease loss provision to assets | 0.1632% | 1,137 |
| Net operating income to assets | 1.0022% | 3,004 |
| Return on assets (ROA) | 0.9921% | 3,061 |
| Pretax return on assets | 1.2964% | 2,530 |
| Return on Equity (ROE) | 10.8708% | 2,166 |
| Retained earnings to average equity (ytd only) | 1.2902% | 4,692 |
| Net charge-offs to loans | 0.0460% | 1,953 |
| Credit loss provision to net charge-offs | 518.5185% | 690 |
| Earnings coverage of net charge-offs (x) | 46.7778% | 1,175 |
| Efficiency ratio | 67.3475% | 2,755 |
| Assets per employee ($millions) | 4.1665% | 3,635 |
| Cash dividends to net income (ytd only)* | 88.1316% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,579 |
| Loan loss allowance to noncurrent loans | 98.0259% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 1,735 |
| Noncurrent loans to loans | 1.2491% | 1,376 |
| Net loans and leases to total assets | 68.0023% | 2,868 |
| Net loans and leases to deposits | 75.3804% | 3,403 |
| Net loans and leases to core deposits | 76.0974% | 3,738 |
| Total domestic deposits to total assets | 90.2122% | 500 |
| Equity capital to assets | 9.2042% | 4,381 |
| Core capital (leverage) ratio | 9.6113% | 3,985 |
| Tier 1 risk-based capital ratio | 12.6963% | 4,062 |
| Total risk-based capital ratio | 13.8232% | 4,038 |
| Memoranda: | ||
| Average total assets | $171,554,330 | 3,197 |
| Average earning assets | $161,303,330 | 3,172 |
| Average equity | $15,656,670 | 3,596 |
| Average total loans | $117,325,330 | 3,069 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 1,814 |
| Cost of funding earning assets | 0.2829% | 4,480 |
| Net interest margin | 4.2336% | 1,096 |
| Noninterest income to average assets | 0.4816% | 2,924 |
| Noninterest expense to average assets | 3.1317% | 1,736 |
| Loan and lease loss provision to assets | 0.2443% | 615 |
| Net operating income to assets | 0.8097% | 3,667 |
| Return on assets (ROA) | 0.8097% | 3,676 |
| Pretax return on assets | 1.1098% | 3,137 |
| Return on Equity (ROE) | 8.9097% | 2,950 |
| Retained earnings to average equity (ytd only) | -10.2922% | 5,380 |
| Net charge-offs to loans | 0.0034% | 2,615 |
| Credit loss provision to net charge-offs | 10,500.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 582.0000% | 106 |
| Efficiency ratio | 69.8133% | 2,512 |
| Assets per employee ($millions) | 4.2375% | 3,587 |
| Cash dividends to net income (ytd only)* | 215.5172% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,764 |
| Loan loss allowance to noncurrent loans | 83.0528% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 1,545 |
| Noncurrent loans to loans | 1.4538% | 1,217 |
| Net loans and leases to total assets | 69.0757% | 2,618 |
| Net loans and leases to deposits | 76.3220% | 3,174 |
| Net loans and leases to core deposits | 77.1772% | 3,559 |
| Total domestic deposits to total assets | 90.5057% | 476 |
| Equity capital to assets | 8.9539% | 4,610 |
| Core capital (leverage) ratio | 9.2662% | 4,360 |
| Tier 1 risk-based capital ratio | 12.3323% | 4,358 |
| Total risk-based capital ratio | 13.4549% | 4,326 |
| Memoranda: | ||
| Average total assets | $171,919,000 | 3,227 |
| Average earning assets | $162,605,000 | 3,183 |
| Average equity | $15,623,500 | 3,633 |
| Average total loans | $117,185,500 | 3,098 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 1,852 |
| Cost of funding earning assets | 0.2656% | 4,429 |
| Net interest margin | 4.1923% | 1,204 |
| Noninterest income to average assets | 0.3068% | 4,266 |
| Noninterest expense to average assets | 2.9909% | 2,187 |
| Loan and lease loss provision to assets | 0.2149% | 919 |
| Net operating income to assets | 0.6738% | 3,715 |
| Return on assets (ROA) | 0.6776% | 3,744 |
| Pretax return on assets | 1.0650% | 3,323 |
| Return on Equity (ROE) | 7.1834% | 3,187 |
| Retained earnings to average equity (ytd only) | 0.8544% | 4,690 |
| Net charge-offs to loans | 0.3741% | 676 |
| Credit loss provision to net charge-offs | 86.5385% | 2,845 |
| Earnings coverage of net charge-offs (x) | 5.1298% | 3,370 |
| Efficiency ratio | 70.1288% | 2,525 |
| Assets per employee ($millions) | 4.3584% | 3,392 |
| Cash dividends to net income (ytd only)* | 88.1057% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,086 |
| Loan loss allowance to noncurrent loans | 76.8384% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 1,344 |
| Noncurrent loans to loans | 1.4906% | 1,142 |
| Net loans and leases to total assets | 65.6940% | 3,142 |
| Net loans and leases to deposits | 72.8561% | 3,610 |
| Net loans and leases to core deposits | 73.6507% | 3,903 |
| Total domestic deposits to total assets | 90.1696% | 510 |
| Equity capital to assets | 9.2178% | 4,509 |
| Core capital (leverage) ratio | 9.3634% | 4,210 |
| Tier 1 risk-based capital ratio | 12.9034% | 3,970 |
| Total risk-based capital ratio | 13.9654% | 3,980 |
| Memoranda: | ||
| Average total assets | $167,509,400 | 3,271 |
| Average earning assets | $158,147,800 | 3,223 |
| Average equity | $15,800,400 | 3,627 |
| Average total loans | $111,206,000 | 3,161 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 2,036 |
| Cost of funding earning assets | 0.2632% | 4,451 |
| Net interest margin | 4.1114% | 1,365 |
| Noninterest income to average assets | 0.3184% | 4,258 |
| Noninterest expense to average assets | 3.0461% | 1,971 |
| Loan and lease loss provision to assets | 0.2171% | 856 |
| Net operating income to assets | 0.6116% | 4,350 |
| Return on assets (ROA) | 0.6079% | 4,399 |
| Pretax return on assets | 0.9312% | 3,931 |
| Return on Equity (ROE) | 6.4067% | 3,946 |
| Retained earnings to average equity (ytd only) | -2.0678% | 5,436 |
| Net charge-offs to loans | 0.0436% | 2,568 |
| Credit loss provision to net charge-offs | 750.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 39.8602% | 1,298 |
| Efficiency ratio | 72.5254% | 2,135 |
| Assets per employee ($millions) | 4.0943% | 3,833 |
| Cash dividends to net income (ytd only)* | 132.2758% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,760 |
| Loan loss allowance to noncurrent loans | 77.8527% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.3358% | 1,195 |
| Noncurrent loans to loans | 1.8429% | 957 |
| Net loans and leases to total assets | 64.5982% | 3,307 |
| Net loans and leases to deposits | 71.7669% | 3,798 |
| Net loans and leases to core deposits | 72.5596% | 4,099 |
| Total domestic deposits to total assets | 90.0110% | 471 |
| Equity capital to assets | 9.3365% | 4,615 |
| Core capital (leverage) ratio | 9.4462% | 4,231 |
| Tier 1 risk-based capital ratio | 12.7166% | 4,195 |
| Total risk-based capital ratio | 13.9685% | 4,089 |
| Memoranda: | ||
| Average total assets | $165,802,500 | 3,315 |
| Average earning assets | $156,536,250 | 3,271 |
| Average equity | $15,733,000 | 3,665 |
| Average total loans | $110,043,500 | 3,206 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 1,880 |
| Cost of funding earning assets | 0.2618% | 4,445 |
| Net interest margin | 4.1178% | 1,276 |
| Noninterest income to average assets | 0.3408% | 4,114 |
| Noninterest expense to average assets | 3.1047% | 1,830 |
| Loan and lease loss provision to assets | 0.2198% | 805 |
| Net operating income to assets | 0.5296% | 4,615 |
| Return on assets (ROA) | 0.5179% | 4,693 |
| Pretax return on assets | 0.8782% | 3,999 |
| Return on Equity (ROE) | 5.4270% | 4,300 |
| Retained earnings to average equity (ytd only) | -7.3725% | 5,598 |
| Net charge-offs to loans | -0.1411% | 5,510 |
| Credit loss provision to net charge-offs | -233.7662% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5532% | 2,088 |
| Assets per employee ($millions) | 4.0480% | 3,878 |
| Cash dividends to net income (ytd only)* | 235.8491% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,726 |
| Loan loss allowance to noncurrent loans | 102.7569% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 1,474 |
| Noncurrent loans to loans | 1.4208% | 1,344 |
| Net loans and leases to total assets | 66.6952% | 3,005 |
| Net loans and leases to deposits | 74.1902% | 3,525 |
| Net loans and leases to core deposits | 74.9122% | 3,866 |
| Total domestic deposits to total assets | 89.8976% | 566 |
| Equity capital to assets | 9.5005% | 4,400 |
| Core capital (leverage) ratio | 9.5379% | 4,090 |
| Tier 1 risk-based capital ratio | 12.4328% | 4,337 |
| Total risk-based capital ratio | 13.6841% | 4,228 |
| Memoranda: | ||
| Average total assets | $163,750,000 | 3,352 |
| Average earning assets | $154,307,330 | 3,313 |
| Average equity | $15,625,670 | 3,686 |
| Average total loans | $109,158,000 | 3,238 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 1,947 |
| Cost of funding earning assets | 0.2613% | 4,444 |
| Net interest margin | 4.0422% | 1,365 |
| Noninterest income to average assets | 0.2730% | 4,591 |
| Noninterest expense to average assets | 3.1997% | 1,611 |
| Loan and lease loss provision to assets | 0.2213% | 717 |
| Net operating income to assets | 0.4379% | 4,823 |
| Return on assets (ROA) | 0.4132% | 4,935 |
| Pretax return on assets | 0.6198% | 4,684 |
| Return on Equity (ROE) | 4.3203% | 4,660 |
| Retained earnings to average equity (ytd only) | -21.3957% | 5,744 |
| Net charge-offs to loans | -0.0037% | 4,105 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4680% | 1,568 |
| Assets per employee ($millions) | 3.9432% | 4,102 |
| Cash dividends to net income (ytd only)* | 595.2381% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 2,138 |
| Loan loss allowance to noncurrent loans | 66.0394% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 1,181 |
| Noncurrent loans to loans | 2.0974% | 834 |
| Net loans and leases to total assets | 64.9119% | 3,129 |
| Net loans and leases to deposits | 72.0890% | 3,605 |
| Net loans and leases to core deposits | 72.9337% | 3,922 |
| Total domestic deposits to total assets | 90.0441% | 637 |
| Equity capital to assets | 9.3893% | 4,399 |
| Core capital (leverage) ratio | 9.4287% | 4,203 |
| Tier 1 risk-based capital ratio | 12.8813% | 4,154 |
| Total risk-based capital ratio | 14.1325% | 4,053 |
| Memoranda: | ||
| Average total assets | $162,640,000 | 3,396 |
| Average earning assets | $153,085,000 | 3,363 |
| Average equity | $15,554,500 | 3,716 |
| Average total loans | $107,570,000 | 3,281 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,640 |
| Cost of funding earning assets | 0.2761% | 4,299 |
| Net interest margin | 4.1926% | 1,140 |
| Noninterest income to average assets | 0.3751% | 4,062 |
| Noninterest expense to average assets | 3.0536% | 2,168 |
| Loan and lease loss provision to assets | 0.2214% | 991 |
| Net operating income to assets | 0.7063% | 3,752 |
| Return on assets (ROA) | 0.7422% | 3,693 |
| Pretax return on assets | 1.1037% | 3,090 |
| Return on Equity (ROE) | 7.6830% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.6830% | 967 |
| Net charge-offs to loans | 0.0527% | 2,980 |
| Credit loss provision to net charge-offs | 631.5789% | 543 |
| Earnings coverage of net charge-offs (x) | 36.2807% | 1,265 |
| Efficiency ratio | 70.5999% | 2,814 |
| Assets per employee ($millions) | 3.8954% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,694 |
| Loan loss allowance to noncurrent loans | 60.9788% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4125% | 1,208 |
| Noncurrent loans to loans | 2.0861% | 846 |
| Net loans and leases to total assets | 65.6072% | 3,131 |
| Net loans and leases to deposits | 73.1749% | 3,597 |
| Net loans and leases to core deposits | 74.4823% | 3,882 |
| Total domestic deposits to total assets | 89.6581% | 788 |
| Equity capital to assets | 9.7361% | 4,018 |
| Core capital (leverage) ratio | 9.8073% | 3,735 |
| Tier 1 risk-based capital ratio | 13.4169% | 3,825 |
| Total risk-based capital ratio | 14.5775% | 3,788 |
| Memoranda: | ||
| Average total assets | $162,628,800 | 3,367 |
| Average earning assets | $153,223,200 | 3,334 |
| Average equity | $15,710,000 | 3,735 |
| Average total loans | $108,103,400 | 3,237 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 1,536 |
| Cost of funding earning assets | 0.2797% | 4,296 |
| Net interest margin | 4.2231% | 1,073 |
| Noninterest income to average assets | 0.4031% | 3,900 |
| Noninterest expense to average assets | 3.0955% | 2,038 |
| Loan and lease loss provision to assets | 0.2217% | 928 |
| Net operating income to assets | 0.6992% | 3,849 |
| Return on assets (ROA) | 0.7464% | 3,750 |
| Pretax return on assets | 1.1372% | 3,089 |
| Return on Equity (ROE) | 7.7416% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.7416% | 1,289 |
| Net charge-offs to loans | 0.0049% | 3,737 |
| Credit loss provision to net charge-offs | 6,750.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 392.2345% | 229 |
| Efficiency ratio | 70.6257% | 2,804 |
| Assets per employee ($millions) | 3.9310% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 3,115 |
| Loan loss allowance to noncurrent loans | 51.4526% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.6541% | 1,044 |
| Noncurrent loans to loans | 2.3728% | 769 |
| Net loans and leases to total assets | 67.5690% | 2,861 |
| Net loans and leases to deposits | 75.6986% | 3,432 |
| Net loans and leases to core deposits | 77.0749% | 3,744 |
| Total domestic deposits to total assets | 89.2606% | 772 |
| Equity capital to assets | 10.0370% | 4,097 |
| Core capital (leverage) ratio | 9.6387% | 4,011 |
| Tier 1 risk-based capital ratio | 13.0885% | 4,107 |
| Total risk-based capital ratio | 14.2114% | 4,096 |
| Memoranda: | ||
| Average total assets | $162,384,250 | 3,388 |
| Average earning assets | $153,026,250 | 3,352 |
| Average equity | $15,655,250 | 3,764 |
| Average total loans | $107,949,000 | 3,253 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 1,528 |
| Cost of funding earning assets | 0.2829% | 4,317 |
| Net interest margin | 4.2115% | 1,093 |
| Noninterest income to average assets | 0.4583% | 3,465 |
| Noninterest expense to average assets | 3.1255% | 1,993 |
| Loan and lease loss provision to assets | 0.2211% | 936 |
| Net operating income to assets | 0.7345% | 3,629 |
| Return on assets (ROA) | 0.8072% | 3,410 |
| Pretax return on assets | 1.1868% | 2,834 |
| Return on Equity (ROE) | 8.4876% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.4876% | 1,013 |
| Net charge-offs to loans | -0.0112% | 4,734 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6078% | 2,891 |
| Assets per employee ($millions) | 4.0287% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,575 |
| Loan loss allowance to noncurrent loans | 58.1267% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3826% | 1,424 |
| Noncurrent loans to loans | 1.9975% | 996 |
| Net loans and leases to total assets | 66.8779% | 2,957 |
| Net loans and leases to deposits | 74.7294% | 3,507 |
| Net loans and leases to core deposits | 77.5889% | 3,676 |
| Total domestic deposits to total assets | 89.4934% | 685 |
| Equity capital to assets | 9.8768% | 4,362 |
| Core capital (leverage) ratio | 9.5731% | 4,101 |
| Tier 1 risk-based capital ratio | 13.1230% | 4,119 |
| Total risk-based capital ratio | 14.1998% | 4,139 |
| Memoranda: | ||
| Average total assets | $162,788,000 | 3,403 |
| Average earning assets | $153,390,330 | 3,365 |
| Average equity | $15,481,330 | 3,803 |
| Average total loans | $107,182,330 | 3,281 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,555 |
| Cost of funding earning assets | 0.2856% | 4,322 |
| Net interest margin | 4.1982% | 1,104 |
| Noninterest income to average assets | 0.5525% | 2,793 |
| Noninterest expense to average assets | 3.1881% | 1,865 |
| Loan and lease loss provision to assets | 0.2200% | 872 |
| Net operating income to assets | 0.6554% | 3,951 |
| Return on assets (ROA) | 0.7383% | 3,652 |
| Pretax return on assets | 1.2273% | 2,594 |
| Return on Equity (ROE) | 7.9140% | 2,964 |
| Retained earnings to average equity (ytd only) | 7.9140% | 1,495 |
| Net charge-offs to loans | -0.0226% | 4,913 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7542% | 2,995 |
| Assets per employee ($millions) | 3.8755% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 4,107 |
| Loan loss allowance to noncurrent loans | 840.7143% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 4,673 |
| Noncurrent loans to loans | 0.1297% | 4,953 |
| Net loans and leases to total assets | 65.5987% | 3,011 |
| Net loans and leases to deposits | 73.0555% | 3,544 |
| Net loans and leases to core deposits | 75.7355% | 3,703 |
| Total domestic deposits to total assets | 89.7930% | 681 |
| Equity capital to assets | 9.4864% | 4,679 |
| Core capital (leverage) ratio | 9.2554% | 4,546 |
| Tier 1 risk-based capital ratio | 12.9292% | 4,306 |
| Total risk-based capital ratio | 13.9382% | 4,375 |
| Memoranda: | ||
| Average total assets | $163,609,000 | 3,408 |
| Average earning assets | $154,067,500 | 3,364 |
| Average equity | $15,264,000 | 3,841 |
| Average total loans | $106,255,000 | 3,310 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 873 |
| Cost of funding earning assets | 0.2978% | 4,273 |
| Net interest margin | 4.5343% | 616 |
| Noninterest income to average assets | 0.4442% | 3,714 |
| Noninterest expense to average assets | 3.4204% | 1,447 |
| Loan and lease loss provision to assets | 0.1979% | 1,091 |
| Net operating income to assets | 0.7029% | 3,797 |
| Return on assets (ROA) | 0.7145% | 3,849 |
| Pretax return on assets | 1.0974% | 3,077 |
| Return on Equity (ROE) | 8.0635% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.0635% | 896 |
| Net charge-offs to loans | 0.2039% | 1,436 |
| Credit loss provision to net charge-offs | 153.8095% | 1,738 |
| Earnings coverage of net charge-offs (x) | 9.9286% | 2,757 |
| Efficiency ratio | 72.8055% | 2,773 |
| Assets per employee ($millions) | 3.7375% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 4,422 |
| Loan loss allowance to noncurrent loans | 288.7701% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 2,768 |
| Noncurrent loans to loans | 0.3577% | 4,169 |
| Net loans and leases to total assets | 62.9245% | 3,425 |
| Net loans and leases to deposits | 69.7733% | 3,948 |
| Net loans and leases to core deposits | 72.2859% | 4,107 |
| Total domestic deposits to total assets | 90.1841% | 553 |
| Equity capital to assets | 9.1743% | 4,941 |
| Core capital (leverage) ratio | 8.9233% | 4,975 |
| Tier 1 risk-based capital ratio | 12.8618% | 4,413 |
| Total risk-based capital ratio | 13.8016% | 4,493 |
| Memoranda: | ||
| Average total assets | $163,198,000 | 3,389 |
| Average earning assets | $153,099,800 | 3,355 |
| Average equity | $14,460,200 | 3,915 |
| Average total loans | $102,974,200 | 3,333 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 896 |
| Cost of funding earning assets | 0.3009% | 4,332 |
| Net interest margin | 4.5239% | 618 |
| Noninterest income to average assets | 0.5100% | 3,297 |
| Noninterest expense to average assets | 3.4526% | 1,377 |
| Loan and lease loss provision to assets | 0.2030% | 985 |
| Net operating income to assets | 0.6749% | 4,011 |
| Return on assets (ROA) | 0.6859% | 4,082 |
| Pretax return on assets | 1.1173% | 3,148 |
| Return on Equity (ROE) | 7.8114% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.8114% | 1,326 |
| Net charge-offs to loans | 0.2483% | 1,054 |
| Credit loss provision to net charge-offs | 129.8429% | 1,882 |
| Earnings coverage of net charge-offs (x) | 8.3351% | 2,827 |
| Efficiency ratio | 72.5990% | 2,776 |
| Assets per employee ($millions) | 3.9113% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 4,914 |
| Loan loss allowance to noncurrent loans | 77.8116% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 1,670 |
| Noncurrent loans to loans | 1.2404% | 2,061 |
| Net loans and leases to total assets | 63.9624% | 3,314 |
| Net loans and leases to deposits | 70.8822% | 3,895 |
| Net loans and leases to core deposits | 73.4335% | 4,064 |
| Total domestic deposits to total assets | 90.2376% | 489 |
| Equity capital to assets | 9.0003% | 5,304 |
| Core capital (leverage) ratio | 8.8407% | 5,190 |
| Tier 1 risk-based capital ratio | 12.4094% | 4,822 |
| Total risk-based capital ratio | 13.2886% | 4,974 |
| Memoranda: | ||
| Average total assets | $162,885,500 | 3,431 |
| Average earning assets | $152,874,500 | 3,384 |
| Average equity | $14,303,500 | 3,977 |
| Average total loans | $102,578,250 | 3,376 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 885 |
| Cost of funding earning assets | 0.3107% | 4,272 |
| Net interest margin | 4.4941% | 646 |
| Noninterest income to average assets | 0.6255% | 2,604 |
| Noninterest expense to average assets | 3.4515% | 1,376 |
| Loan and lease loss provision to assets | 0.2130% | 900 |
| Net operating income to assets | 0.7026% | 3,879 |
| Return on assets (ROA) | 0.7191% | 3,916 |
| Pretax return on assets | 1.2080% | 2,746 |
| Return on Equity (ROE) | 8.2585% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.2585% | 1,165 |
| Net charge-offs to loans | 0.3846% | 677 |
| Credit loss provision to net charge-offs | 88.7179% | 2,218 |
| Earnings coverage of net charge-offs (x) | 5.8103% | 2,882 |
| Efficiency ratio | 71.2144% | 3,127 |
| Assets per employee ($millions) | 3.9511% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 5,220 |
| Loan loss allowance to noncurrent loans | 142.9652% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 2,857 |
| Noncurrent loans to loans | 0.6439% | 3,551 |
| Net loans and leases to total assets | 62.7888% | 3,438 |
| Net loans and leases to deposits | 69.4786% | 3,984 |
| Net loans and leases to core deposits | 72.1359% | 4,120 |
| Total domestic deposits to total assets | 90.3714% | 509 |
| Equity capital to assets | 8.8816% | 5,358 |
| Core capital (leverage) ratio | 8.8568% | 5,151 |
| Tier 1 risk-based capital ratio | 13.0602% | 4,481 |
| Total risk-based capital ratio | 13.9295% | 4,622 |
| Memoranda: | ||
| Average total assets | $162,423,000 | 3,462 |
| Average earning assets | $152,556,330 | 3,408 |
| Average equity | $14,143,000 | 4,023 |
| Average total loans | $101,405,330 | 3,413 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 949 |
| Cost of funding earning assets | 0.3110% | 4,319 |
| Net interest margin | 4.4381% | 673 |
| Noninterest income to average assets | 0.3197% | 4,629 |
| Noninterest expense to average assets | 3.3965% | 1,495 |
| Loan and lease loss provision to assets | 0.2410% | 701 |
| Net operating income to assets | 0.4566% | 4,843 |
| Return on assets (ROA) | 0.4944% | 4,831 |
| Pretax return on assets | 0.9174% | 3,822 |
| Return on Equity (ROE) | 5.7345% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.7345% | 2,640 |
| Net charge-offs to loans | -0.0040% | 4,447 |
| Credit loss provision to net charge-offs | -9,800.0000% | 5,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5470% | 2,575 |
| Assets per employee ($millions) | 4.2350% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,767 |
| Loan loss allowance to noncurrent loans | 85.5538% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 2,152 |
| Noncurrent loans to loans | 1.2257% | 2,322 |
| Net loans and leases to total assets | 62.5044% | 3,285 |
| Net loans and leases to deposits | 69.0920% | 3,849 |
| Net loans and leases to core deposits | 71.7453% | 3,993 |
| Total domestic deposits to total assets | 90.4655% | 541 |
| Equity capital to assets | 8.8119% | 5,491 |
| Core capital (leverage) ratio | 8.3065% | 5,721 |
| Tier 1 risk-based capital ratio | 12.4352% | 4,953 |
| Total risk-based capital ratio | 13.3947% | 5,059 |
| Memoranda: | ||
| Average total assets | $162,636,000 | 3,476 |
| Average earning assets | $153,038,000 | 3,418 |
| Average equity | $14,020,500 | 4,072 |
| Average total loans | $100,777,500 | 3,439 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,286 |
| Cost of funding earning assets | 0.3190% | 4,593 |
| Net interest margin | 4.0612% | 1,703 |
| Noninterest income to average assets | 0.2750% | 5,149 |
| Noninterest expense to average assets | 3.1383% | 2,392 |
| Loan and lease loss provision to assets | 0.2364% | 1,010 |
| Net operating income to assets | 0.4615% | 4,958 |
| Return on assets (ROA) | 0.4715% | 5,018 |
| Pretax return on assets | 0.7299% | 4,513 |
| Return on Equity (ROE) | 5.7242% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.7242% | 2,120 |
| Net charge-offs to loans | 0.6431% | 602 |
| Credit loss provision to net charge-offs | 59.5975% | 3,293 |
| Earnings coverage of net charge-offs (x) | 2.3978% | 4,162 |
| Efficiency ratio | 76.7452% | 2,401 |
| Assets per employee ($millions) | 4.3248% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 5,207 |
| Loan loss allowance to noncurrent loans | 85.8792% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 2,446 |
| Noncurrent loans to loans | 1.1271% | 2,586 |
| Net loans and leases to total assets | 60.1998% | 3,763 |
| Net loans and leases to deposits | 66.1870% | 4,301 |
| Net loans and leases to core deposits | 68.6525% | 4,433 |
| Total domestic deposits to total assets | 90.9542% | 384 |
| Equity capital to assets | 8.4337% | 5,804 |
| Core capital (leverage) ratio | 8.3316% | 5,748 |
| Tier 1 risk-based capital ratio | 11.7487% | 5,514 |
| Total risk-based capital ratio | 12.5832% | 5,674 |
| Memoranda: | ||
| Average total assets | $162,891,200 | 3,448 |
| Average earning assets | $152,985,400 | 3,394 |
| Average equity | $13,416,800 | 4,116 |
| Average total loans | $100,444,800 | 3,414 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 2,216 |
| Cost of funding earning assets | 0.3208% | 4,665 |
| Net interest margin | 4.0798% | 1,639 |
| Noninterest income to average assets | 0.2888% | 5,134 |
| Noninterest expense to average assets | 3.0025% | 2,791 |
| Loan and lease loss provision to assets | 0.1477% | 1,696 |
| Net operating income to assets | 0.5893% | 4,485 |
| Return on assets (ROA) | 0.5972% | 4,543 |
| Pretax return on assets | 0.9803% | 3,674 |
| Return on Equity (ROE) | 7.2948% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.2948% | 1,673 |
| Net charge-offs to loans | 0.2651% | 1,474 |
| Credit loss provision to net charge-offs | 90.0000% | 2,432 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 3,027 |
| Efficiency ratio | 72.9084% | 3,019 |
| Assets per employee ($millions) | 4.2304% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 4,359 |
| Loan loss allowance to noncurrent loans | 39.6195% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.3806% | 1,140 |
| Noncurrent loans to loans | 2.9660% | 900 |
| Net loans and leases to total assets | 63.1960% | 3,316 |
| Net loans and leases to deposits | 69.7225% | 3,950 |
| Net loans and leases to core deposits | 72.3848% | 4,113 |
| Total domestic deposits to total assets | 90.6393% | 476 |
| Equity capital to assets | 8.5657% | 5,750 |
| Core capital (leverage) ratio | 8.4373% | 5,719 |
| Tier 1 risk-based capital ratio | 11.7226% | 5,663 |
| Total risk-based capital ratio | 12.7659% | 5,710 |
| Memoranda: | ||
| Average total assets | $162,528,750 | 3,482 |
| Average earning assets | $152,551,500 | 3,421 |
| Average equity | $13,306,000 | 4,163 |
| Average total loans | $100,581,000 | 3,436 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 2,080 |
| Cost of funding earning assets | 0.3187% | 4,774 |
| Net interest margin | 4.1072% | 1,485 |
| Noninterest income to average assets | 0.2943% | 5,065 |
| Noninterest expense to average assets | 2.8776% | 3,247 |
| Loan and lease loss provision to assets | 0.1471% | 1,679 |
| Net operating income to assets | 0.6628% | 4,029 |
| Return on assets (ROA) | 0.6793% | 4,046 |
| Pretax return on assets | 1.1513% | 2,874 |
| Return on Equity (ROE) | 8.4250% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.4250% | 1,166 |
| Net charge-offs to loans | 0.0601% | 3,116 |
| Credit loss provision to net charge-offs | 400.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 1,162 |
| Efficiency ratio | 69.3353% | 3,773 |
| Assets per employee ($millions) | 4.2463% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 3,663 |
| Loan loss allowance to noncurrent loans | 110.3853% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 3,029 |
| Noncurrent loans to loans | 1.2097% | 2,814 |
| Net loans and leases to total assets | 60.3539% | 3,660 |
| Net loans and leases to deposits | 66.1646% | 4,257 |
| Net loans and leases to core deposits | 68.7820% | 4,393 |
| Total domestic deposits to total assets | 91.2178% | 336 |
| Equity capital to assets | 8.4191% | 5,867 |
| Core capital (leverage) ratio | 8.2950% | 5,853 |
| Tier 1 risk-based capital ratio | 11.9087% | 5,590 |
| Total risk-based capital ratio | 13.0800% | 5,560 |
| Memoranda: | ||
| Average total assets | $163,119,330 | 3,490 |
| Average earning assets | $153,144,330 | 3,430 |
| Average equity | $13,151,330 | 4,193 |
| Average total loans | $99,841,330 | 3,458 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 2,194 |
| Cost of funding earning assets | 0.3190% | 4,872 |
| Net interest margin | 4.0664% | 1,555 |
| Noninterest income to average assets | 0.2707% | 5,203 |
| Noninterest expense to average assets | 2.8488% | 3,387 |
| Loan and lease loss provision to assets | 0.1463% | 1,661 |
| Net operating income to assets | 0.6595% | 3,896 |
| Return on assets (ROA) | 0.6829% | 3,842 |
| Pretax return on assets | 1.1366% | 2,740 |
| Return on Equity (ROE) | 8.6590% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.6590% | 1,360 |
| Net charge-offs to loans | -0.0199% | 5,357 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 3,901 |
| Assets per employee ($millions) | 4.3752% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 4,138 |
| Loan loss allowance to noncurrent loans | 87.7205% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 2,909 |
| Noncurrent loans to loans | 1.4785% | 2,573 |
| Net loans and leases to total assets | 60.7850% | 3,430 |
| Net loans and leases to deposits | 66.4358% | 4,037 |
| Net loans and leases to core deposits | 69.2655% | 4,173 |
| Total domestic deposits to total assets | 91.4944% | 377 |
| Equity capital to assets | 8.1084% | 5,970 |
| Core capital (leverage) ratio | 8.0731% | 6,066 |
| Tier 1 risk-based capital ratio | 11.5812% | 5,873 |
| Total risk-based capital ratio | 12.7220% | 5,878 |
| Memoranda: | ||
| Average total assets | $163,999,000 | 3,496 |
| Average earning assets | $154,241,500 | 3,433 |
| Average equity | $12,934,500 | 4,250 |
| Average total loans | $100,409,500 | 3,464 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 2,553 |
| Cost of funding earning assets | 0.3756% | 4,885 |
| Net interest margin | 4.0332% | 1,862 |
| Noninterest income to average assets | 0.3160% | 5,078 |
| Noninterest expense to average assets | 2.9100% | 3,342 |
| Loan and lease loss provision to assets | 0.1360% | 2,605 |
| Net operating income to assets | 0.6141% | 4,197 |
| Return on assets (ROA) | 0.5800% | 4,470 |
| Pretax return on assets | 0.9882% | 3,400 |
| Return on Equity (ROE) | 7.5303% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.5303% | 1,222 |
| Net charge-offs to loans | 0.1478% | 3,325 |
| Credit loss provision to net charge-offs | 154.9296% | 1,498 |
| Earnings coverage of net charge-offs (x) | 13.4085% | 2,027 |
| Efficiency ratio | 71.1952% | 3,628 |
| Assets per employee ($millions) | 4.4896% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,579 |
| Loan loss allowance to noncurrent loans | 101.0700% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 3,377 |
| Noncurrent loans to loans | 1.2015% | 3,144 |
| Net loans and leases to total assets | 60.1375% | 3,689 |
| Net loans and leases to deposits | 65.3804% | 4,371 |
| Net loans and leases to core deposits | 68.4153% | 4,460 |
| Total domestic deposits to total assets | 91.9809% | 287 |
| Equity capital to assets | 7.6711% | 6,198 |
| Core capital (leverage) ratio | 7.7950% | 6,248 |
| Tier 1 risk-based capital ratio | 11.0986% | 6,119 |
| Total risk-based capital ratio | 12.1596% | 6,161 |
| Memoranda: | ||
| Average total assets | $161,716,000 | 3,533 |
| Average earning assets | $151,220,000 | 3,479 |
| Average equity | $12,456,400 | 4,365 |
| Average total loans | $96,049,600 | 3,551 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 2,382 |
| Cost of funding earning assets | 0.3873% | 4,926 |
| Net interest margin | 4.0740% | 1,708 |
| Noninterest income to average assets | 0.3071% | 5,244 |
| Noninterest expense to average assets | 2.8988% | 3,317 |
| Loan and lease loss provision to assets | 0.1328% | 2,619 |
| Net operating income to assets | 0.7007% | 3,859 |
| Return on assets (ROA) | 0.6716% | 4,150 |
| Pretax return on assets | 1.0293% | 3,380 |
| Return on Equity (ROE) | 8.7094% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.7094% | 1,153 |
| Net charge-offs to loans | 0.0520% | 4,162 |
| Credit loss provision to net charge-offs | 432.4324% | 608 |
| Earnings coverage of net charge-offs (x) | 39.2990% | 1,016 |
| Efficiency ratio | 70.6025% | 3,657 |
| Assets per employee ($millions) | 4.3870% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 4,435 |
| Loan loss allowance to noncurrent loans | 89.0210% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 3,516 |
| Noncurrent loans to loans | 1.4511% | 2,991 |
| Net loans and leases to total assets | 59.9261% | 3,704 |
| Net loans and leases to deposits | 65.2333% | 4,382 |
| Net loans and leases to core deposits | 67.9763% | 4,526 |
| Total domestic deposits to total assets | 91.8642% | 265 |
| Equity capital to assets | 7.7507% | 6,285 |
| Core capital (leverage) ratio | 7.8453% | 6,303 |
| Tier 1 risk-based capital ratio | 11.3531% | 6,125 |
| Total risk-based capital ratio | 12.4896% | 6,138 |
| Memoranda: | ||
| Average total assets | $160,616,000 | 3,587 |
| Average earning assets | $149,759,000 | 3,537 |
| Average equity | $12,384,750 | 4,418 |
| Average total loans | $94,780,500 | 3,603 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 2,668 |
| Cost of funding earning assets | 0.3979% | 4,964 |
| Net interest margin | 3.9751% | 1,947 |
| Noninterest income to average assets | 0.3112% | 5,216 |
| Noninterest expense to average assets | 2.9029% | 3,323 |
| Loan and lease loss provision to assets | 0.1250% | 2,759 |
| Net operating income to assets | 0.6407% | 4,105 |
| Return on assets (ROA) | 0.6586% | 4,182 |
| Pretax return on assets | 1.0059% | 3,484 |
| Return on Equity (ROE) | 8.5557% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.5557% | 1,268 |
| Net charge-offs to loans | 0.0748% | 3,643 |
| Credit loss provision to net charge-offs | 285.7143% | 898 |
| Earnings coverage of net charge-offs (x) | 25.2286% | 1,269 |
| Efficiency ratio | 72.4579% | 3,392 |
| Assets per employee ($millions) | 4.3363% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 4,708 |
| Loan loss allowance to noncurrent loans | 181.0730% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 4,492 |
| Noncurrent loans to loans | 0.6947% | 4,544 |
| Net loans and leases to total assets | 59.4438% | 3,756 |
| Net loans and leases to deposits | 64.5990% | 4,423 |
| Net loans and leases to core deposits | 67.3326% | 4,562 |
| Total domestic deposits to total assets | 92.0196% | 246 |
| Equity capital to assets | 7.6544% | 6,390 |
| Core capital (leverage) ratio | 7.7570% | 6,333 |
| Tier 1 risk-based capital ratio | 11.3140% | 6,194 |
| Total risk-based capital ratio | 12.4195% | 6,229 |
| Memoranda: | ||
| Average total assets | $160,048,000 | 3,609 |
| Average earning assets | $148,774,670 | 3,582 |
| Average equity | $12,319,330 | 4,460 |
| Average total loans | $93,525,670 | 3,643 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 2,358 |
| Cost of funding earning assets | 0.4179% | 4,927 |
| Net interest margin | 4.0296% | 1,682 |
| Noninterest income to average assets | 0.3053% | 5,253 |
| Noninterest expense to average assets | 2.9478% | 3,167 |
| Loan and lease loss provision to assets | 0.1501% | 2,365 |
| Net operating income to assets | 0.5991% | 4,216 |
| Return on assets (ROA) | 0.6056% | 4,345 |
| Pretax return on assets | 0.9334% | 3,642 |
| Return on Equity (ROE) | 7.8454% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.8454% | 1,806 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3043% | 3,393 |
| Assets per employee ($millions) | 4.3364% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,736 |
| Loan loss allowance to noncurrent loans | 135.0446% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 4,303 |
| Noncurrent loans to loans | 0.9580% | 4,222 |
| Net loans and leases to total assets | 57.5393% | 3,837 |
| Net loans and leases to deposits | 62.5561% | 4,466 |
| Net loans and leases to core deposits | 65.0830% | 4,644 |
| Total domestic deposits to total assets | 91.9804% | 251 |
| Equity capital to assets | 7.7559% | 6,498 |
| Core capital (leverage) ratio | 7.6799% | 6,368 |
| Tier 1 risk-based capital ratio | 11.3966% | 6,240 |
| Total risk-based capital ratio | 12.5315% | 6,255 |
| Memoranda: | ||
| Average total assets | $159,850,000 | 3,651 |
| Average earning assets | $147,407,500 | 3,634 |
| Average equity | $12,338,500 | 4,507 |
| Average total loans | $91,994,000 | 3,695 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 2,515 |
| Cost of funding earning assets | 0.5724% | 4,616 |
| Net interest margin | 4.1487% | 1,825 |
| Noninterest income to average assets | 0.2974% | 5,335 |
| Noninterest expense to average assets | 2.8522% | 3,837 |
| Loan and lease loss provision to assets | 0.1512% | 3,722 |
| Net operating income to assets | 0.6997% | 3,742 |
| Return on assets (ROA) | 0.7335% | 3,834 |
| Pretax return on assets | 1.2704% | 2,521 |
| Return on Equity (ROE) | 9.9528% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.9528% | 604 |
| Net charge-offs to loans | 0.2741% | 3,286 |
| Credit loss provision to net charge-offs | 96.0000% | 3,231 |
| Earnings coverage of net charge-offs (x) | 8.6880% | 2,369 |
| Efficiency ratio | 67.5724% | 4,223 |
| Assets per employee ($millions) | 4.3042% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,776 |
| Loan loss allowance to noncurrent loans | 148.5788% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 4,433 |
| Noncurrent loans to loans | 0.8556% | 4,469 |
| Net loans and leases to total assets | 56.0792% | 4,278 |
| Net loans and leases to deposits | 60.9177% | 4,922 |
| Net loans and leases to core deposits | 63.6784% | 4,995 |
| Total domestic deposits to total assets | 92.0574% | 239 |
| Equity capital to assets | 7.6814% | 6,560 |
| Core capital (leverage) ratio | 7.5306% | 6,487 |
| Tier 1 risk-based capital ratio | 11.4401% | 6,142 |
| Total risk-based capital ratio | 12.5449% | 6,184 |
| Memoranda: | ||
| Average total assets | $158,684,600 | 3,641 |
| Average earning assets | $150,072,200 | 3,550 |
| Average equity | $11,695,200 | 4,633 |
| Average total loans | $91,219,400 | 3,716 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 2,406 |
| Cost of funding earning assets | 0.6133% | 4,509 |
| Net interest margin | 4.1829% | 1,784 |
| Noninterest income to average assets | 0.2952% | 5,410 |
| Noninterest expense to average assets | 2.8248% | 3,890 |
| Loan and lease loss provision to assets | 0.1514% | 3,648 |
| Net operating income to assets | 0.8314% | 3,301 |
| Return on assets (ROA) | 0.8746% | 3,355 |
| Pretax return on assets | 1.3372% | 2,467 |
| Return on Equity (ROE) | 11.9943% | 1,642 |
| Retained earnings to average equity (ytd only) | 11.9943% | 532 |
| Net charge-offs to loans | 0.2363% | 3,304 |
| Credit loss provision to net charge-offs | 111.1111% | 2,635 |
| Earnings coverage of net charge-offs (x) | 10.4385% | 2,191 |
| Efficiency ratio | 66.5149% | 4,353 |
| Assets per employee ($millions) | 4.3785% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 4,916 |
| Loan loss allowance to noncurrent loans | 34.4949% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 2.5009% | 2,119 |
| Noncurrent loans to loans | 3.7008% | 1,439 |
| Net loans and leases to total assets | 57.7944% | 4,168 |
| Net loans and leases to deposits | 62.9750% | 4,844 |
| Net loans and leases to core deposits | 65.9793% | 4,956 |
| Total domestic deposits to total assets | 91.7736% | 236 |
| Equity capital to assets | 7.8001% | 6,675 |
| Core capital (leverage) ratio | 7.5091% | 6,617 |
| Tier 1 risk-based capital ratio | 11.1578% | 6,412 |
| Total risk-based capital ratio | 12.2732% | 6,449 |
| Memoranda: | ||
| Average total assets | $158,542,000 | 3,681 |
| Average earning assets | $149,779,250 | 3,591 |
| Average equity | $11,560,750 | 4,705 |
| Average total loans | $91,409,500 | 3,749 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 2,489 |
| Cost of funding earning assets | 0.6600% | 4,363 |
| Net interest margin | 4.1453% | 1,927 |
| Noninterest income to average assets | 0.3047% | 5,371 |
| Noninterest expense to average assets | 2.7964% | 4,033 |
| Loan and lease loss provision to assets | 0.1511% | 3,637 |
| Net operating income to assets | 0.8261% | 3,270 |
| Return on assets (ROA) | 0.8801% | 3,253 |
| Pretax return on assets | 1.3548% | 2,374 |
| Return on Equity (ROE) | 12.3542% | 1,556 |
| Retained earnings to average equity (ytd only) | 12.3542% | 526 |
| Net charge-offs to loans | 0.3556% | 2,596 |
| Credit loss provision to net charge-offs | 74.0741% | 3,473 |
| Earnings coverage of net charge-offs (x) | 6.9753% | 2,544 |
| Efficiency ratio | 66.2787% | 4,488 |
| Assets per employee ($millions) | 4.4515% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,407 |
| Loan loss allowance to noncurrent loans | 42.2205% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 2.0979% | 2,670 |
| Noncurrent loans to loans | 2.8114% | 2,131 |
| Net loans and leases to total assets | 58.0762% | 4,146 |
| Net loans and leases to deposits | 62.8962% | 4,891 |
| Net loans and leases to core deposits | 65.9225% | 5,014 |
| Total domestic deposits to total assets | 92.3366% | 180 |
| Equity capital to assets | 7.3221% | 6,842 |
| Core capital (leverage) ratio | 7.0162% | 6,814 |
| Tier 1 risk-based capital ratio | 10.5412% | 6,679 |
| Total risk-based capital ratio | 11.5711% | 6,736 |
| Memoranda: | ||
| Average total assets | $158,847,330 | 3,688 |
| Average earning assets | $150,000,670 | 3,605 |
| Average equity | $11,316,000 | 4,749 |
| Average total loans | $91,120,330 | 3,777 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6306% | 3,355 |
| Cost of funding earning assets | 0.7155% | 4,148 |
| Net interest margin | 3.9151% | 2,859 |
| Noninterest income to average assets | 0.3086% | 5,415 |
| Noninterest expense to average assets | 2.7975% | 4,040 |
| Loan and lease loss provision to assets | 0.1518% | 3,477 |
| Net operating income to assets | 0.6764% | 3,998 |
| Return on assets (ROA) | 0.6829% | 4,181 |
| Pretax return on assets | 1.0649% | 3,456 |
| Return on Equity (ROE) | 9.7236% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.7236% | 1,347 |
| Net charge-offs to loans | 0.6697% | 1,466 |
| Credit loss provision to net charge-offs | 40.0000% | 3,449 |
| Earnings coverage of net charge-offs (x) | 3.1800% | 2,931 |
| Efficiency ratio | 69.8673% | 3,844 |
| Assets per employee ($millions) | 4.7261% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,615 |
| Loan loss allowance to noncurrent loans | 30.7560% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 2.6576% | 2,219 |
| Noncurrent loans to loans | 3.8188% | 1,621 |
| Net loans and leases to total assets | 54.4280% | 4,649 |
| Net loans and leases to deposits | 58.6326% | 5,308 |
| Net loans and leases to core deposits | 61.1341% | 5,418 |
| Total domestic deposits to total assets | 92.8289% | 152 |
| Equity capital to assets | 6.8483% | 6,961 |
| Core capital (leverage) ratio | 7.1294% | 6,791 |
| Tier 1 risk-based capital ratio | 10.3428% | 6,780 |
| Total risk-based capital ratio | 11.3475% | 6,847 |
| Memoranda: | ||
| Average total assets | $158,143,500 | 3,718 |
| Average earning assets | $149,268,500 | 3,633 |
| Average equity | $11,107,000 | 4,800 |
| Average total loans | $89,586,500 | 3,840 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2322% | 1,940 |
| Cost of funding earning assets | 1.0411% | 3,087 |
| Net interest margin | 4.1911% | 2,092 |
| Noninterest income to average assets | 0.3190% | 5,259 |
| Noninterest expense to average assets | 2.8816% | 4,038 |
| Loan and lease loss provision to assets | 0.1385% | 4,890 |
| Net operating income to assets | 0.8108% | 2,990 |
| Return on assets (ROA) | 0.7467% | 3,442 |
| Pretax return on assets | 1.1343% | 2,713 |
| Return on Equity (ROE) | 10.9105% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.9105% | 416 |
| Net charge-offs to loans | 0.1446% | 4,986 |
| Credit loss provision to net charge-offs | 164.5161% | 1,657 |
| Earnings coverage of net charge-offs (x) | 16.2742% | 1,340 |
| Efficiency ratio | 67.7790% | 4,404 |
| Assets per employee ($millions) | 4.3107% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,824 |
| Loan loss allowance to noncurrent loans | 30.7611% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 3.1530% | 1,897 |
| Noncurrent loans to loans | 4.2817% | 1,426 |
| Net loans and leases to total assets | 57.6057% | 4,444 |
| Net loans and leases to deposits | 62.6555% | 5,157 |
| Net loans and leases to core deposits | 65.6073% | 5,303 |
| Total domestic deposits to total assets | 91.9403% | 245 |
| Equity capital to assets | 7.2153% | 6,899 |
| Core capital (leverage) ratio | 7.0352% | 6,850 |
| Tier 1 risk-based capital ratio | 10.4252% | 6,720 |
| Total risk-based capital ratio | 11.5508% | 6,747 |
| Memoranda: | ||
| Average total assets | $147,312,600 | 3,844 |
| Average earning assets | $138,221,000 | 3,782 |
| Average equity | $10,082,000 | 4,990 |
| Average total loans | $85,743,600 | 3,972 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2835% | 1,929 |
| Cost of funding earning assets | 1.1103% | 2,908 |
| Net interest margin | 4.1732% | 2,197 |
| Noninterest income to average assets | 0.3260% | 5,259 |
| Noninterest expense to average assets | 2.8893% | 3,980 |
| Loan and lease loss provision to assets | 0.1393% | 4,699 |
| Net operating income to assets | 0.8112% | 3,102 |
| Return on assets (ROA) | 0.7239% | 3,670 |
| Pretax return on assets | 1.0790% | 3,098 |
| Return on Equity (ROE) | 10.7274% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.7274% | 673 |
| Net charge-offs to loans | 0.1268% | 4,776 |
| Credit loss provision to net charge-offs | 188.8889% | 1,545 |
| Earnings coverage of net charge-offs (x) | 18.2835% | 1,311 |
| Efficiency ratio | 68.1779% | 4,281 |
| Assets per employee ($millions) | 4.2804% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 5,093 |
| Loan loss allowance to noncurrent loans | 58.5366% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4679% | 3,920 |
| Noncurrent loans to loans | 2.1891% | 3,125 |
| Net loans and leases to total assets | 57.5914% | 4,567 |
| Net loans and leases to deposits | 62.2264% | 5,374 |
| Net loans and leases to core deposits | 65.4566% | 5,472 |
| Total domestic deposits to total assets | 92.5514% | 154 |
| Equity capital to assets | 6.9904% | 7,055 |
| Core capital (leverage) ratio | 7.0518% | 6,944 |
| Tier 1 risk-based capital ratio | 9.9081% | 6,977 |
| Total risk-based capital ratio | 11.0015% | 7,010 |
| Memoranda: | ||
| Average total assets | $146,422,250 | 3,880 |
| Average earning assets | $137,253,000 | 3,814 |
| Average equity | $9,881,000 | 5,067 |
| Average total loans | $85,161,500 | 4,029 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 1,769 |
| Cost of funding earning assets | 1.1917% | 2,631 |
| Net interest margin | 4.1426% | 2,255 |
| Noninterest income to average assets | 0.3323% | 5,232 |
| Noninterest expense to average assets | 2.8888% | 4,069 |
| Loan and lease loss provision to assets | 0.1418% | 4,532 |
| Net operating income to assets | 0.8009% | 3,069 |
| Return on assets (ROA) | 0.6742% | 3,790 |
| Pretax return on assets | 0.9912% | 3,274 |
| Return on Equity (ROE) | 10.1210% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.1210% | 819 |
| Net charge-offs to loans | 0.1819% | 4,070 |
| Credit loss provision to net charge-offs | 134.2105% | 2,276 |
| Earnings coverage of net charge-offs (x) | 12.4868% | 1,626 |
| Efficiency ratio | 68.6488% | 4,401 |
| Assets per employee ($millions) | 3.9855% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 5,188 |
| Loan loss allowance to noncurrent loans | 43.4236% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 1.9181% | 3,352 |
| Noncurrent loans to loans | 2.9288% | 2,488 |
| Net loans and leases to total assets | 59.8412% | 4,299 |
| Net loans and leases to deposits | 64.7474% | 5,182 |
| Net loans and leases to core deposits | 68.3308% | 5,257 |
| Total domestic deposits to total assets | 92.4225% | 171 |
| Equity capital to assets | 7.2485% | 7,043 |
| Core capital (leverage) ratio | 6.9473% | 7,016 |
| Tier 1 risk-based capital ratio | 9.9675% | 6,988 |
| Total risk-based capital ratio | 11.0559% | 7,032 |
| Memoranda: | ||
| Average total assets | $143,864,330 | 3,959 |
| Average earning assets | $134,602,670 | 3,893 |
| Average equity | $9,584,000 | 5,161 |
| Average total loans | $83,582,670 | 4,108 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 1,927 |
| Cost of funding earning assets | 1.2648% | 2,392 |
| Net interest margin | 4.0170% | 2,618 |
| Noninterest income to average assets | 0.2943% | 5,559 |
| Noninterest expense to average assets | 2.8155% | 4,380 |
| Loan and lease loss provision to assets | 0.1416% | 4,237 |
| Net operating income to assets | 0.7541% | 3,253 |
| Return on assets (ROA) | 0.5970% | 4,115 |
| Pretax return on assets | 0.8663% | 3,637 |
| Return on Equity (ROE) | 9.3723% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.3723% | 1,271 |
| Net charge-offs to loans | 0.0098% | 4,964 |
| Credit loss provision to net charge-offs | 2,550.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 222.5000% | 140 |
| Efficiency ratio | 69.4997% | 4,377 |
| Assets per employee ($millions) | 4.0176% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,914 |
| Loan loss allowance to noncurrent loans | 54.9659% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.6670% | 3,753 |
| Noncurrent loans to loans | 2.4497% | 3,042 |
| Net loans and leases to total assets | 57.1919% | 4,766 |
| Net loans and leases to deposits | 61.4860% | 5,570 |
| Net loans and leases to core deposits | 65.4687% | 5,569 |
| Total domestic deposits to total assets | 93.0162% | 136 |
| Equity capital to assets | 6.4895% | 7,212 |
| Core capital (leverage) ratio | 6.8058% | 7,078 |
| Tier 1 risk-based capital ratio | 9.8279% | 7,060 |
| Total risk-based capital ratio | 10.9535% | 7,104 |
| Memoranda: | ||
| Average total assets | $144,057,500 | 3,992 |
| Average earning assets | $134,726,000 | 3,921 |
| Average equity | $9,176,000 | 5,266 |
| Average total loans | $81,891,500 | 4,195 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5362% | 2,137 |
| Cost of funding earning assets | 1.6483% | 1,838 |
| Net interest margin | 3.8879% | 3,548 |
| Noninterest income to average assets | 0.3036% | 5,627 |
| Noninterest expense to average assets | 3.0021% | 3,847 |
| Loan and lease loss provision to assets | 0.5124% | 3,103 |
| Net operating income to assets | 0.2474% | 5,115 |
| Return on assets (ROA) | 0.3133% | 5,061 |
| Pretax return on assets | 0.5109% | 4,585 |
| Return on Equity (ROE) | 4.5933% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.5933% | 2,665 |
| Net charge-offs to loans | 0.3677% | 4,193 |
| Credit loss provision to net charge-offs | 241.9014% | 1,191 |
| Earnings coverage of net charge-offs (x) | 4.3451% | 2,959 |
| Efficiency ratio | 76.5355% | 2,956 |
| Assets per employee ($millions) | 3.9856% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,743 |
| Loan loss allowance to noncurrent loans | 60.9481% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 4,276 |
| Noncurrent loans to loans | 2.2168% | 3,306 |
| Net loans and leases to total assets | 54.9585% | 5,495 |
| Net loans and leases to deposits | 58.9764% | 6,155 |
| Net loans and leases to core deposits | 63.0381% | 6,147 |
| Total domestic deposits to total assets | 93.1873% | 131 |
| Equity capital to assets | 6.2489% | 7,304 |
| Core capital (leverage) ratio | 6.6493% | 7,157 |
| Tier 1 risk-based capital ratio | 9.9350% | 7,007 |
| Total risk-based capital ratio | 11.0476% | 7,047 |
| Memoranda: | ||
| Average total assets | $134,074,400 | 4,177 |
| Average earning assets | $124,796,200 | 4,140 |
| Average equity | $9,143,800 | 5,377 |
| Average total loans | $77,235,400 | 4,414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 2,154 |
| Cost of funding earning assets | 1.7001% | 1,879 |
| Net interest margin | 3.8770% | 3,629 |
| Noninterest income to average assets | 0.3077% | 5,690 |
| Noninterest expense to average assets | 2.9981% | 3,753 |
| Loan and lease loss provision to assets | 0.6751% | 2,267 |
| Net operating income to assets | 0.0217% | 5,955 |
| Return on assets (ROA) | 0.0982% | 5,926 |
| Pretax return on assets | 0.3593% | 5,346 |
| Return on Equity (ROE) | 1.4076% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.4076% | 5,241 |
| Net charge-offs to loans | 0.2438% | 4,479 |
| Credit loss provision to net charge-offs | 476.4286% | 625 |
| Earnings coverage of net charge-offs (x) | 6.4572% | 2,523 |
| Efficiency ratio | 76.6167% | 2,827 |
| Assets per employee ($millions) | 3.8800% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 4,138 |
| Loan loss allowance to noncurrent loans | 52.6915% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.7862% | 3,768 |
| Noncurrent loans to loans | 2.7781% | 2,863 |
| Net loans and leases to total assets | 58.0238% | 5,266 |
| Net loans and leases to deposits | 62.8593% | 6,038 |
| Net loans and leases to core deposits | 67.4824% | 5,994 |
| Total domestic deposits to total assets | 92.3074% | 148 |
| Equity capital to assets | 7.0741% | 7,319 |
| Core capital (leverage) ratio | 6.7835% | 7,258 |
| Tier 1 risk-based capital ratio | 9.7178% | 7,181 |
| Total risk-based capital ratio | 10.9678% | 7,174 |
| Memoranda: | ||
| Average total assets | $131,722,750 | 4,284 |
| Average earning assets | $122,496,500 | 4,231 |
| Average equity | $9,188,250 | 5,431 |
| Average total loans | $76,560,500 | 4,507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 2,155 |
| Cost of funding earning assets | 1.7540% | 1,845 |
| Net interest margin | 3.8410% | 3,711 |
| Noninterest income to average assets | 0.3130% | 5,660 |
| Noninterest expense to average assets | 3.0108% | 3,674 |
| Loan and lease loss provision to assets | 0.7081% | 2,057 |
| Net operating income to assets | -0.0376% | 6,127 |
| Return on assets (ROA) | -0.0217% | 6,202 |
| Pretax return on assets | 0.1751% | 5,834 |
| Return on Equity (ROE) | -0.3126% | 6,217 |
| Retained earnings to average equity (ytd only) | -0.3126% | 5,796 |
| Net charge-offs to loans | 0.1955% | 4,435 |
| Credit loss provision to net charge-offs | 626.0274% | 581 |
| Earnings coverage of net charge-offs (x) | 7.5890% | 2,275 |
| Efficiency ratio | 77.8134% | 2,755 |
| Assets per employee ($millions) | 3.7139% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 4,690 |
| Loan loss allowance to noncurrent loans | 47.0510% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.8437% | 3,704 |
| Noncurrent loans to loans | 2.8648% | 2,791 |
| Net loans and leases to total assets | 58.0797% | 5,409 |
| Net loans and leases to deposits | 62.8374% | 6,152 |
| Net loans and leases to core deposits | 67.3023% | 6,121 |
| Total domestic deposits to total assets | 92.4285% | 159 |
| Equity capital to assets | 6.8220% | 7,406 |
| Core capital (leverage) ratio | 6.5180% | 7,378 |
| Tier 1 risk-based capital ratio | 9.3270% | 7,327 |
| Total risk-based capital ratio | 10.4739% | 7,362 |
| Memoranda: | ||
| Average total assets | $129,070,670 | 4,375 |
| Average earning assets | $119,499,000 | 4,325 |
| Average equity | $8,957,330 | 5,516 |
| Average total loans | $74,663,670 | 4,617 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5044% | 2,559 |
| Cost of funding earning assets | 1.7906% | 1,916 |
| Net interest margin | 3.7138% | 4,170 |
| Noninterest income to average assets | 0.2872% | 5,847 |
| Noninterest expense to average assets | 3.0137% | 3,627 |
| Loan and lease loss provision to assets | 0.2114% | 4,395 |
| Net operating income to assets | 0.2951% | 5,319 |
| Return on assets (ROA) | 0.3093% | 5,392 |
| Pretax return on assets | 0.5333% | 4,844 |
| Return on Equity (ROE) | 4.4167% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.4167% | 3,504 |
| Net charge-offs to loans | 0.0385% | 5,040 |
| Credit loss provision to net charge-offs | 957.1429% | 485 |
| Earnings coverage of net charge-offs (x) | 32.7143% | 821 |
| Efficiency ratio | 80.6588% | 2,462 |
| Assets per employee ($millions) | 3.5215% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 6,443 |
| Loan loss allowance to noncurrent loans | 40.4501% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 1.6100% | 4,074 |
| Noncurrent loans to loans | 2.4822% | 3,188 |
| Net loans and leases to total assets | 57.3193% | 5,550 |
| Net loans and leases to deposits | 62.5574% | 6,220 |
| Net loans and leases to core deposits | 66.8513% | 6,222 |
| Total domestic deposits to total assets | 91.6268% | 340 |
| Equity capital to assets | 7.0590% | 7,343 |
| Core capital (leverage) ratio | 6.9526% | 7,281 |
| Tier 1 risk-based capital ratio | 10.0041% | 7,034 |
| Total risk-based capital ratio | 10.8476% | 7,248 |
| Memoranda: | ||
| Average total assets | $126,756,500 | 4,487 |
| Average earning assets | $117,724,000 | 4,428 |
| Average equity | $8,875,500 | 5,576 |
| Average total loans | $72,639,000 | 4,759 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3943% | 843 |
| Cost of funding earning assets | 2.1131% | 2,400 |
| Net interest margin | 4.2812% | 1,777 |
| Noninterest income to average assets | 0.3596% | 5,515 |
| Noninterest expense to average assets | 3.2338% | 3,261 |
| Loan and lease loss provision to assets | 0.1325% | 6,314 |
| Net operating income to assets | 0.6285% | 3,225 |
| Return on assets (ROA) | 0.6733% | 3,095 |
| Pretax return on assets | 0.9851% | 2,643 |
| Return on Equity (ROE) | 8.8859% | 2,063 |
| Retained earnings to average equity (ytd only) | 8.8859% | 512 |
| Net charge-offs to loans | 0.2843% | 4,854 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | 5.9541% | 2,461 |
| Efficiency ratio | 75.4574% | 3,625 |
| Assets per employee ($millions) | 3.6211% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,669 |
| Loan loss allowance to noncurrent loans | 30.7029% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 3,511 |
| Noncurrent loans to loans | 3.0678% | 2,502 |
| Net loans and leases to total assets | 56.1769% | 5,925 |
| Net loans and leases to deposits | 61.4746% | 6,516 |
| Net loans and leases to core deposits | 77.9116% | 6,263 |
| Total domestic deposits to total assets | 91.3823% | 408 |
| Equity capital to assets | 6.9450% | 7,394 |
| Core capital (leverage) ratio | 7.0029% | 7,236 |
| Tier 1 risk-based capital ratio | 9.9969% | 6,872 |
| Total risk-based capital ratio | 10.7799% | 7,183 |
| Memoranda: | ||
| Average total assets | $110,952,000 | 4,795 |
| Average earning assets | $101,747,600 | 4,794 |
| Average equity | $8,406,600 | 5,800 |
| Average total loans | $68,930,400 | 4,905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6047% | 608 |
| Cost of funding earning assets | 2.1779% | 2,512 |
| Net interest margin | 4.4268% | 1,375 |
| Noninterest income to average assets | 0.3489% | 5,709 |
| Noninterest expense to average assets | 3.3156% | 2,850 |
| Loan and lease loss provision to assets | 0.1458% | 5,904 |
| Net operating income to assets | 0.6231% | 3,525 |
| Return on assets (ROA) | 0.6791% | 3,344 |
| Pretax return on assets | 1.0105% | 2,870 |
| Return on Equity (ROE) | 8.7467% | 2,355 |
| Retained earnings to average equity (ytd only) | 8.7467% | 908 |
| Net charge-offs to loans | 0.3812% | 3,741 |
| Credit loss provision to net charge-offs | 60.0000% | 6,172 |
| Earnings coverage of net charge-offs (x) | 4.4154% | 3,140 |
| Efficiency ratio | 75.5537% | 3,582 |
| Assets per employee ($millions) | 3.4267% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 6,657 |
| Loan loss allowance to noncurrent loans | 31.2892% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9655% | 3,395 |
| Noncurrent loans to loans | 2.9512% | 2,571 |
| Net loans and leases to total assets | 59.6761% | 5,631 |
| Net loans and leases to deposits | 65.7923% | 6,328 |
| Net loans and leases to core deposits | 83.8687% | 6,047 |
| Total domestic deposits to total assets | 90.7037% | 513 |
| Equity capital to assets | 7.4338% | 7,353 |
| Core capital (leverage) ratio | 7.2753% | 7,208 |
| Tier 1 risk-based capital ratio | 10.3331% | 6,643 |
| Total risk-based capital ratio | 11.1263% | 7,038 |
| Memoranda: | ||
| Average total assets | $107,005,250 | 4,933 |
| Average earning assets | $97,644,500 | 4,937 |
| Average equity | $8,307,750 | 5,886 |
| Average total loans | $68,194,250 | 4,979 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7793% | 467 |
| Cost of funding earning assets | 2.2116% | 2,739 |
| Net interest margin | 4.5678% | 1,020 |
| Noninterest income to average assets | 0.3679% | 5,568 |
| Noninterest expense to average assets | 3.2435% | 3,175 |
| Loan and lease loss provision to assets | 0.1676% | 5,391 |
| Net operating income to assets | 0.7348% | 3,116 |
| Return on assets (ROA) | 0.8032% | 2,936 |
| Pretax return on assets | 1.1961% | 2,313 |
| Return on Equity (ROE) | 10.1832% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.1832% | 696 |
| Net charge-offs to loans | 0.3050% | 3,659 |
| Credit loss provision to net charge-offs | 84.4660% | 5,074 |
| Earnings coverage of net charge-offs (x) | 6.3592% | 2,637 |
| Efficiency ratio | 71.9966% | 4,411 |
| Assets per employee ($millions) | 3.3518% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 6,123 |
| Loan loss allowance to noncurrent loans | 38.9254% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7541% | 3,545 |
| Noncurrent loans to loans | 2.6053% | 2,783 |
| Net loans and leases to total assets | 60.8115% | 5,551 |
| Net loans and leases to deposits | 66.8622% | 6,312 |
| Net loans and leases to core deposits | 84.2260% | 6,075 |
| Total domestic deposits to total assets | 90.9505% | 465 |
| Equity capital to assets | 7.2647% | 7,438 |
| Core capital (leverage) ratio | 7.7230% | 6,720 |
| Tier 1 risk-based capital ratio | 10.2650% | 6,633 |
| Total risk-based capital ratio | 11.1417% | 6,976 |
| Memoranda: | ||
| Average total assets | $103,837,330 | 5,048 |
| Average earning assets | $94,050,670 | 5,067 |
| Average equity | $8,190,000 | 5,955 |
| Average total loans | $67,533,670 | 5,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0363% | 316 |
| Cost of funding earning assets | 2.3002% | 2,698 |
| Net interest margin | 4.7361% | 710 |
| Noninterest income to average assets | 0.3523% | 5,626 |
| Noninterest expense to average assets | 3.3166% | 2,607 |
| Loan and lease loss provision to assets | 0.1215% | 5,409 |
| Net operating income to assets | 0.7913% | 3,165 |
| Return on assets (ROA) | 0.9031% | 2,845 |
| Pretax return on assets | 1.3121% | 2,244 |
| Return on Equity (ROE) | 10.9508% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.9508% | 980 |
| Net charge-offs to loans | 0.1629% | 3,664 |
| Credit loss provision to net charge-offs | 111.1111% | 3,469 |
| Earnings coverage of net charge-offs (x) | 11.6296% | 1,865 |
| Efficiency ratio | 72.2860% | 4,139 |
| Assets per employee ($millions) | 3.0780% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 5,618 |
| Loan loss allowance to noncurrent loans | 45.8779% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 3,374 |
| Noncurrent loans to loans | 2.3500% | 2,804 |
| Net loans and leases to total assets | 65.8521% | 4,617 |
| Net loans and leases to deposits | 73.1368% | 5,595 |
| Net loans and leases to core deposits | 89.7211% | 5,581 |
| Total domestic deposits to total assets | 90.0397% | 783 |
| Equity capital to assets | 8.0395% | 6,750 |
| Core capital (leverage) ratio | 8.2717% | 5,956 |
| Tier 1 risk-based capital ratio | 10.6416% | 6,242 |
| Total risk-based capital ratio | 11.5971% | 6,465 |
| Memoranda: | ||
| Average total assets | $98,775,000 | 5,213 |
| Average earning assets | $88,342,000 | 5,278 |
| Average equity | $8,145,500 | 6,000 |
| Average total loans | $66,294,500 | 5,126 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6413% | 316 |
| Cost of funding earning assets | 2.8090% | 2,668 |
| Net interest margin | 4.8323% | 731 |
| Noninterest income to average assets | 0.4519% | 5,024 |
| Noninterest expense to average assets | 3.2831% | 3,020 |
| Loan and lease loss provision to assets | 0.6207% | 2,348 |
| Net operating income to assets | 0.5666% | 4,456 |
| Return on assets (ROA) | 0.5750% | 4,285 |
| Pretax return on assets | 0.8940% | 3,744 |
| Return on Equity (ROE) | 6.7397% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.7397% | 1,246 |
| Net charge-offs to loans | 0.4989% | 2,369 |
| Credit loss provision to net charge-offs | 191.9192% | 2,556 |
| Earnings coverage of net charge-offs (x) | 4.6431% | 3,912 |
| Efficiency ratio | 68.6163% | 4,608 |
| Assets per employee ($millions) | 2.9084% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,149 |
| Loan loss allowance to noncurrent loans | 43.2916% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 2,637 |
| Noncurrent loans to loans | 2.5811% | 2,098 |
| Net loans and leases to total assets | 66.9390% | 4,650 |
| Net loans and leases to deposits | 74.5980% | 5,779 |
| Net loans and leases to core deposits | 90.8661% | 5,729 |
| Total domestic deposits to total assets | 89.7330% | 757 |
| Equity capital to assets | 8.4656% | 6,148 |
| Core capital (leverage) ratio | 8.1133% | 6,304 |
| Tier 1 risk-based capital ratio | 10.6265% | 6,071 |
| Total risk-based capital ratio | 11.6035% | 6,232 |
| Memoranda: | ||
| Average total assets | $91,832,800 | 5,299 |
| Average earning assets | $82,342,000 | 5,358 |
| Average equity | $7,834,200 | 6,160 |
| Average total loans | $59,529,400 | 5,285 |