Home > The Bank of Forest > Performance and Condition Ratios
The Bank of Forest, 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 | 4.6976% | 2,686 |
| Cost of funding earning assets | 1.3863% | 2,266 |
| Net interest margin | 3.3113% | 2,607 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.9688% | 1,166 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8494% | 2,706 |
| Return on assets (ROA) | 0.8486% | 2,688 |
| Pretax return on assets | 0.8486% | 3,096 |
| Return on Equity (ROE) | 11.5300% | 2,083 |
| Retained earnings to average equity (ytd only) | 2.8128% | 3,341 |
| Net charge-offs to loans | 0.0007% | 2,862 |
| Credit loss provision to net charge-offs | 22,200.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,337.0000% | 65 |
| Efficiency ratio | 75.8225% | 1,261 |
| Assets per employee ($millions) | 4.8680% | 3,730 |
| Cash dividends to net income (ytd only)* | 75.6086% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,184 |
| Loan loss allowance to noncurrent loans | 168.4659% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 1,240 |
| Noncurrent loans to loans | 0.7236% | 1,074 |
| Net loans and leases to total assets | 56.9500% | 3,124 |
| Net loans and leases to deposits | 65.7111% | 3,187 |
| Net loans and leases to core deposits | 78.8144% | 2,775 |
| Total domestic deposits to total assets | 86.6700% | 1,799 |
| Equity capital to assets | 7.7698% | 3,562 |
| Core capital (leverage) ratio | 11.9684% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $246,871,200 | 2,706 |
| Average earning assets | $226,645,600 | 2,706 |
| Average equity | $18,166,800 | 2,995 |
| Average total loans | $134,021,600 | 2,826 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 2,828 |
| Cost of funding earning assets | 1.2441% | 2,292 |
| Net interest margin | 3.2928% | 2,701 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.8878% | 1,251 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.7952% | 3,035 |
| Return on assets (ROA) | 0.7941% | 3,037 |
| Pretax return on assets | 0.7941% | 3,345 |
| Return on Equity (ROE) | 10.9500% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.9470% | 2,304 |
| Net charge-offs to loans | -0.0041% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.3801% | 1,144 |
| Assets per employee ($millions) | 4.4522% | 3,974 |
| Cash dividends to net income (ytd only)* | 36.5503% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,156 |
| Loan loss allowance to noncurrent loans | 176.8528% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 1,346 |
| Noncurrent loans to loans | 0.7023% | 1,179 |
| Net loans and leases to total assets | 56.5600% | 3,148 |
| Net loans and leases to deposits | 63.8672% | 3,279 |
| Net loans and leases to core deposits | 76.8252% | 2,815 |
| Total domestic deposits to total assets | 88.5600% | 1,390 |
| Equity capital to assets | 6.7345% | 3,739 |
| Core capital (leverage) ratio | 12.1329% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $245,305,250 | 2,717 |
| Average earning assets | $225,048,250 | 2,723 |
| Average equity | $17,791,500 | 3,021 |
| Average total loans | $131,042,000 | 2,854 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 2,951 |
| Cost of funding earning assets | 1.1070% | 2,263 |
| Net interest margin | 3.2677% | 2,829 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.8837% | 1,251 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.7936% | 3,101 |
| Return on assets (ROA) | 0.7936% | 3,106 |
| Pretax return on assets | 0.7936% | 3,411 |
| Return on Equity (ROE) | 10.6900% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.8285% | 2,984 |
| Net charge-offs to loans | -0.0031% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.3868% | 1,143 |
| Assets per employee ($millions) | 4.6536% | 3,859 |
| Cash dividends to net income (ytd only)* | 54.8255% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,002 |
| Loan loss allowance to noncurrent loans | 242.4242% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 1,673 |
| Noncurrent loans to loans | 0.5292% | 1,408 |
| Net loans and leases to total assets | 52.4100% | 3,378 |
| Net loans and leases to deposits | 59.7058% | 3,439 |
| Net loans and leases to core deposits | 67.6532% | 3,249 |
| Total domestic deposits to total assets | 87.7800% | 1,680 |
| Equity capital to assets | 7.3646% | 3,598 |
| Core capital (leverage) ratio | 11.7412% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $245,449,667 | 2,724 |
| Average earning assets | $224,746,000 | 2,732 |
| Average equity | $18,225,000 | 3,005 |
| Average total loans | $127,973,667 | 2,873 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 2,524 |
| Cost of funding earning assets | 0.3370% | 2,575 |
| Net interest margin | 3.3631% | 2,374 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.9485% | 1,048 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8898% | 3,008 |
| Return on assets (ROA) | 0.8881% | 2,956 |
| Pretax return on assets | 0.8881% | 3,400 |
| Return on Equity (ROE) | 9.9000% | 2,840 |
| Retained earnings to average equity (ytd only) | 4.5056% | 3,232 |
| Net charge-offs to loans | 0.0213% | 1,649 |
| Credit loss provision to net charge-offs | 560.0000% | 635 |
| Earnings coverage of net charge-offs (x) | 89.8800% | 1,023 |
| Efficiency ratio | 75.6528% | 1,052 |
| Assets per employee ($millions) | 4.1966% | 4,204 |
| Cash dividends to net income (ytd only)* | 54.4936% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,190 |
| Loan loss allowance to noncurrent loans | 103.1105% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 730 |
| Noncurrent loans to loans | 1.2038% | 584 |
| Net loans and leases to total assets | 52.7500% | 3,304 |
| Net loans and leases to deposits | 58.1878% | 3,446 |
| Net loans and leases to core deposits | 64.1471% | 3,254 |
| Total domestic deposits to total assets | 90.6500% | 1,082 |
| Equity capital to assets | 7.6499% | 3,285 |
| Core capital (leverage) ratio | 12.6348% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $236,796,400 | 2,806 |
| Average earning assets | $216,915,800 | 2,816 |
| Average equity | $21,240,000 | 2,838 |
| Average total loans | $117,279,400 | 2,951 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 2,381 |
| Cost of funding earning assets | 0.2973% | 2,202 |
| Net interest margin | 3.2904% | 2,324 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.7864% | 1,272 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0082% | 2,453 |
| Return on assets (ROA) | 1.0060% | 2,426 |
| Pretax return on assets | 1.0060% | 2,996 |
| Return on Equity (ROE) | 10.8200% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.2457% | 1,913 |
| Net charge-offs to loans | 0.0081% | 1,844 |
| Credit loss provision to net charge-offs | 2,571.4286% | 200 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 494 |
| Efficiency ratio | 71.5234% | 1,586 |
| Assets per employee ($millions) | 4.3768% | 4,132 |
| Cash dividends to net income (ytd only)* | 23.7989% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 1,710 |
| Loan loss allowance to noncurrent loans | 102.4096% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 578 |
| Noncurrent loans to loans | 1.3387% | 546 |
| Net loans and leases to total assets | 49.1600% | 3,518 |
| Net loans and leases to deposits | 53.3157% | 3,644 |
| Net loans and leases to core deposits | 58.2263% | 3,484 |
| Total domestic deposits to total assets | 92.2000% | 817 |
| Equity capital to assets | 7.2073% | 3,400 |
| Core capital (leverage) ratio | 12.5502% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $237,242,750 | 2,820 |
| Average earning assets | $217,073,000 | 2,833 |
| Average equity | $22,055,500 | 2,820 |
| Average total loans | $115,219,500 | 2,978 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 2,137 |
| Cost of funding earning assets | 0.2895% | 1,805 |
| Net interest margin | 3.2126% | 2,146 |
| Noninterest income to average assets | 0.9203% | 805 |
| Noninterest expense to average assets | 2.7751% | 1,218 |
| Loan and lease loss provision to assets | 0.1010% | 991 |
| Net operating income to assets | 0.9868% | 2,206 |
| Return on assets (ROA) | 0.9868% | 2,178 |
| Pretax return on assets | 0.9868% | 2,778 |
| Return on Equity (ROE) | 9.8781% | 2,377 |
| Retained earnings to average equity (ytd only) | 6.2876% | 2,244 |
| Net charge-offs to loans | 0.0017% | 2,052 |
| Credit loss provision to net charge-offs | 12,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,292.0000% | 95 |
| Efficiency ratio | 71.8396% | 1,746 |
| Assets per employee ($millions) | 4.2729% | 4,223 |
| Cash dividends to net income (ytd only)* | 36.3481% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,885 |
| Loan loss allowance to noncurrent loans | 110.7016% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 653 |
| Noncurrent loans to loans | 1.2373% | 638 |
| Net loans and leases to total assets | 48.7466% | 3,488 |
| Net loans and leases to deposits | 53.3654% | 3,583 |
| Net loans and leases to core deposits | 58.8557% | 3,357 |
| Total domestic deposits to total assets | 91.3450% | 1,083 |
| Equity capital to assets | 7.7340% | 3,322 |
| Core capital (leverage) ratio | 12.3095% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,542,000 | 2,843 |
| Average earning assets | $217,584,000 | 2,868 |
| Average equity | $23,729,333 | 2,762 |
| Average total loans | $114,360,000 | 3,015 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4142% | 2,043 |
| Cost of funding earning assets | 0.2901% | 1,741 |
| Net interest margin | 3.1241% | 2,095 |
| Noninterest income to average assets | 0.8799% | 869 |
| Noninterest expense to average assets | 2.7707% | 1,214 |
| Loan and lease loss provision to assets | 0.0996% | 840 |
| Net operating income to assets | 0.8699% | 2,418 |
| Return on assets (ROA) | 0.8699% | 2,406 |
| Pretax return on assets | 0.8699% | 2,887 |
| Return on Equity (ROE) | 7.8586% | 2,737 |
| Retained earnings to average equity (ytd only) | 7.8586% | 1,626 |
| Net charge-offs to loans | 0.0070% | 1,499 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 292.0000% | 327 |
| Efficiency ratio | 74.0790% | 1,734 |
| Assets per employee ($millions) | 4.5719% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,455 |
| Loan loss allowance to noncurrent loans | 107.9799% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 743 |
| Noncurrent loans to loans | 1.1855% | 750 |
| Net loans and leases to total assets | 47.8022% | 3,404 |
| Net loans and leases to deposits | 53.7542% | 3,435 |
| Net loans and leases to core deposits | 59.0805% | 3,232 |
| Total domestic deposits to total assets | 88.9274% | 2,118 |
| Equity capital to assets | 9.9365% | 1,944 |
| Core capital (leverage) ratio | 11.9464% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,946,000 | 2,841 |
| Average earning assets | $220,609,500 | 2,864 |
| Average equity | $26,671,500 | 2,671 |
| Average total loans | $114,521,500 | 3,007 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 1,720 |
| Cost of funding earning assets | 0.3781% | 1,694 |
| Net interest margin | 3.4846% | 1,785 |
| Noninterest income to average assets | 0.9183% | 1,158 |
| Noninterest expense to average assets | 2.8257% | 1,298 |
| Loan and lease loss provision to assets | 0.1232% | 996 |
| Net operating income to assets | 1.1609% | 2,056 |
| Return on assets (ROA) | 1.1592% | 2,128 |
| Pretax return on assets | 1.1592% | 2,792 |
| Return on Equity (ROE) | 9.1742% | 2,845 |
| Retained earnings to average equity (ytd only) | 4.1802% | 3,153 |
| Net charge-offs to loans | 0.2006% | 477 |
| Credit loss provision to net charge-offs | 128.8889% | 1,590 |
| Earnings coverage of net charge-offs (x) | 13.4311% | 2,076 |
| Efficiency ratio | 68.7552% | 1,890 |
| Assets per employee ($millions) | 4.4367% | 4,162 |
| Cash dividends to net income (ytd only)* | 54.4355% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,399 |
| Loan loss allowance to noncurrent loans | 109.9848% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 857 |
| Noncurrent loans to loans | 1.1744% | 821 |
| Net loans and leases to total assets | 46.0254% | 3,691 |
| Net loans and leases to deposits | 52.8078% | 3,680 |
| Net loans and leases to core deposits | 58.0598% | 3,470 |
| Total domestic deposits to total assets | 87.1564% | 2,451 |
| Equity capital to assets | 12.2154% | 1,162 |
| Core capital (leverage) ratio | 11.7735% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,336,600 | 2,815 |
| Average earning assets | $215,548,800 | 2,839 |
| Average equity | $29,735,600 | 2,549 |
| Average total loans | $112,187,800 | 3,042 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 1,616 |
| Cost of funding earning assets | 0.4010% | 1,689 |
| Net interest margin | 3.5651% | 1,687 |
| Noninterest income to average assets | 0.9203% | 1,217 |
| Noninterest expense to average assets | 2.7318% | 1,509 |
| Loan and lease loss provision to assets | 0.1310% | 879 |
| Net operating income to assets | 1.3209% | 1,756 |
| Return on assets (ROA) | 1.3186% | 1,819 |
| Pretax return on assets | 1.3186% | 2,578 |
| Return on Equity (ROE) | 10.3482% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.4054% | 1,910 |
| Net charge-offs to loans | 0.2552% | 318 |
| Credit loss provision to net charge-offs | 106.9767% | 1,537 |
| Earnings coverage of net charge-offs (x) | 11.8651% | 1,978 |
| Efficiency ratio | 65.2972% | 2,201 |
| Assets per employee ($millions) | 4.3661% | 4,216 |
| Cash dividends to net income (ytd only)* | 18.7743% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,673 |
| Loan loss allowance to noncurrent loans | 97.6174% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 987 |
| Noncurrent loans to loans | 1.2924% | 844 |
| Net loans and leases to total assets | 45.3995% | 3,836 |
| Net loans and leases to deposits | 52.5567% | 3,841 |
| Net loans and leases to core deposits | 57.7513% | 3,648 |
| Total domestic deposits to total assets | 86.3818% | 2,605 |
| Equity capital to assets | 12.8898% | 1,020 |
| Core capital (leverage) ratio | 12.2113% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,275,000 | 2,852 |
| Average earning assets | $214,444,750 | 2,871 |
| Average equity | $29,853,000 | 2,580 |
| Average total loans | $112,306,750 | 3,081 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 2,002 |
| Cost of funding earning assets | 0.4208% | 1,730 |
| Net interest margin | 3.4052% | 2,126 |
| Noninterest income to average assets | 0.9108% | 1,245 |
| Noninterest expense to average assets | 2.7126% | 1,562 |
| Loan and lease loss provision to assets | 0.1463% | 819 |
| Net operating income to assets | 1.1656% | 2,310 |
| Return on assets (ROA) | 1.1665% | 2,367 |
| Pretax return on assets | 1.1665% | 3,004 |
| Return on Equity (ROE) | 9.1907% | 3,043 |
| Retained earnings to average equity (ytd only) | 6.2402% | 2,711 |
| Net charge-offs to loans | 0.3683% | 232 |
| Credit loss provision to net charge-offs | 81.7308% | 1,481 |
| Earnings coverage of net charge-offs (x) | 7.3269% | 1,922 |
| Efficiency ratio | 67.4011% | 1,948 |
| Assets per employee ($millions) | 4.1438% | 4,367 |
| Cash dividends to net income (ytd only)* | 32.1033% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,866 |
| Loan loss allowance to noncurrent loans | 91.7808% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 985 |
| Noncurrent loans to loans | 1.3192% | 890 |
| Net loans and leases to total assets | 46.2874% | 3,885 |
| Net loans and leases to deposits | 53.7729% | 3,868 |
| Net loans and leases to core deposits | 59.4065% | 3,666 |
| Total domestic deposits to total assets | 86.0795% | 2,714 |
| Equity capital to assets | 12.6419% | 1,066 |
| Core capital (leverage) ratio | 11.8932% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,321,667 | 2,868 |
| Average earning assets | $212,442,667 | 2,886 |
| Average equity | $29,486,333 | 2,602 |
| Average total loans | $112,938,000 | 3,082 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 2,273 |
| Cost of funding earning assets | 0.4370% | 1,823 |
| Net interest margin | 3.2982% | 2,396 |
| Noninterest income to average assets | 0.9393% | 1,237 |
| Noninterest expense to average assets | 2.7693% | 1,435 |
| Loan and lease loss provision to assets | 0.1563% | 819 |
| Net operating income to assets | 1.0279% | 2,719 |
| Return on assets (ROA) | 1.0296% | 2,794 |
| Pretax return on assets | 1.0296% | 3,292 |
| Return on Equity (ROE) | 8.0957% | 3,295 |
| Retained earnings to average equity (ytd only) | 8.0957% | 2,205 |
| Net charge-offs to loans | 0.6803% | 116 |
| Credit loss provision to net charge-offs | 46.3918% | 1,324 |
| Earnings coverage of net charge-offs (x) | 3.5155% | 1,761 |
| Efficiency ratio | 70.0483% | 1,693 |
| Assets per employee ($millions) | 4.4379% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,230 |
| Loan loss allowance to noncurrent loans | 88.1051% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 1,095 |
| Noncurrent loans to loans | 1.2973% | 999 |
| Net loans and leases to total assets | 46.8460% | 3,900 |
| Net loans and leases to deposits | 53.8141% | 3,950 |
| Net loans and leases to core deposits | 59.5090% | 3,738 |
| Total domestic deposits to total assets | 87.0514% | 2,293 |
| Equity capital to assets | 12.2790% | 1,164 |
| Core capital (leverage) ratio | 12.1950% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,383,500 | 2,864 |
| Average earning assets | $210,541,500 | 2,887 |
| Average equity | $29,299,500 | 2,601 |
| Average total loans | $114,072,000 | 3,077 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 2,180 |
| Cost of funding earning assets | 0.6611% | 1,926 |
| Net interest margin | 3.5242% | 2,399 |
| Noninterest income to average assets | 0.8922% | 1,285 |
| Noninterest expense to average assets | 2.9162% | 1,642 |
| Loan and lease loss provision to assets | 0.1167% | 2,896 |
| Net operating income to assets | 1.0688% | 2,033 |
| Return on assets (ROA) | 1.0857% | 2,099 |
| Pretax return on assets | 1.0857% | 2,751 |
| Return on Equity (ROE) | 8.0600% | 2,796 |
| Retained earnings to average equity (ytd only) | 1.1650% | 4,161 |
| Net charge-offs to loans | 0.0900% | 1,554 |
| Credit loss provision to net charge-offs | 233.9450% | 2,000 |
| Earnings coverage of net charge-offs (x) | 23.7706% | 1,794 |
| Efficiency ratio | 71.0987% | 1,796 |
| Assets per employee ($millions) | 4.2558% | 4,171 |
| Cash dividends to net income (ytd only)* | 85.5457% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,052 |
| Loan loss allowance to noncurrent loans | 95.6280% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 1,283 |
| Noncurrent loans to loans | 1.2349% | 1,126 |
| Net loans and leases to total assets | 51.1203% | 3,742 |
| Net loans and leases to deposits | 59.7802% | 3,781 |
| Net loans and leases to core deposits | 65.7676% | 3,563 |
| Total domestic deposits to total assets | 85.5138% | 2,563 |
| Equity capital to assets | 13.1752% | 1,033 |
| Core capital (leverage) ratio | 12.1085% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,570,800 | 2,807 |
| Average earning assets | $199,052,200 | 2,833 |
| Average equity | $29,441,600 | 2,505 |
| Average total loans | $121,099,000 | 2,967 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 2,203 |
| Cost of funding earning assets | 0.6995% | 2,027 |
| Net interest margin | 3.5657% | 2,376 |
| Noninterest income to average assets | 0.9009% | 1,220 |
| Noninterest expense to average assets | 2.8379% | 1,860 |
| Loan and lease loss provision to assets | 0.0982% | 3,097 |
| Net operating income to assets | 1.2120% | 1,607 |
| Return on assets (ROA) | 1.2348% | 1,654 |
| Pretax return on assets | 1.2348% | 2,279 |
| Return on Equity (ROE) | 9.1149% | 2,347 |
| Retained earnings to average equity (ytd only) | 6.4594% | 1,902 |
| Net charge-offs to loans | 0.0993% | 1,317 |
| Credit loss provision to net charge-offs | 175.8242% | 2,197 |
| Earnings coverage of net charge-offs (x) | 23.4176% | 1,797 |
| Efficiency ratio | 68.4109% | 2,124 |
| Assets per employee ($millions) | 4.1479% | 4,196 |
| Cash dividends to net income (ytd only)* | 29.1335% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,279 |
| Loan loss allowance to noncurrent loans | 264.4309% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 2,639 |
| Noncurrent loans to loans | 0.4107% | 2,824 |
| Net loans and leases to total assets | 52.9073% | 3,900 |
| Net loans and leases to deposits | 62.2795% | 3,917 |
| Net loans and leases to core deposits | 68.6816% | 3,721 |
| Total domestic deposits to total assets | 84.9514% | 2,455 |
| Equity capital to assets | 13.7146% | 939 |
| Core capital (leverage) ratio | 12.5578% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,823,500 | 2,803 |
| Average earning assets | $197,471,500 | 2,830 |
| Average equity | $29,372,500 | 2,503 |
| Average total loans | $122,202,500 | 2,968 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,394 |
| Cost of funding earning assets | 0.7330% | 2,215 |
| Net interest margin | 3.5971% | 2,494 |
| Noninterest income to average assets | 0.8851% | 1,205 |
| Noninterest expense to average assets | 2.8736% | 1,905 |
| Loan and lease loss provision to assets | 0.0886% | 3,168 |
| Net operating income to assets | 1.1957% | 1,651 |
| Return on assets (ROA) | 1.2367% | 1,643 |
| Pretax return on assets | 1.2367% | 2,229 |
| Return on Equity (ROE) | 9.1690% | 2,287 |
| Retained earnings to average equity (ytd only) | 5.1238% | 2,415 |
| Net charge-offs to loans | 0.1301% | 1,063 |
| Credit loss provision to net charge-offs | 118.7500% | 2,291 |
| Earnings coverage of net charge-offs (x) | 17.2125% | 1,826 |
| Efficiency ratio | 69.1117% | 2,073 |
| Assets per employee ($millions) | 4.2726% | 4,032 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,622 |
| Loan loss allowance to noncurrent loans | 130.5759% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 2,061 |
| Noncurrent loans to loans | 0.7577% | 1,990 |
| Net loans and leases to total assets | 55.1051% | 3,771 |
| Net loans and leases to deposits | 64.5528% | 3,840 |
| Net loans and leases to core deposits | 71.3885% | 3,625 |
| Total domestic deposits to total assets | 85.3645% | 2,250 |
| Equity capital to assets | 13.2237% | 1,071 |
| Core capital (leverage) ratio | 12.5225% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1954% | 752 |
| Memoranda: | ||
| Average total assets | $214,435,333 | 2,797 |
| Average earning assets | $195,101,333 | 2,831 |
| Average equity | $28,923,667 | 2,524 |
| Average total loans | $123,001,000 | 2,940 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 2,456 |
| Cost of funding earning assets | 0.7557% | 2,633 |
| Net interest margin | 3.6900% | 2,359 |
| Noninterest income to average assets | 0.9001% | 1,067 |
| Noninterest expense to average assets | 3.0380% | 1,790 |
| Loan and lease loss provision to assets | 0.0864% | 2,610 |
| Net operating income to assets | 1.1304% | 1,751 |
| Return on assets (ROA) | 1.2052% | 1,612 |
| Pretax return on assets | 1.2052% | 2,177 |
| Return on Equity (ROE) | 8.8410% | 2,174 |
| Retained earnings to average equity (ytd only) | 8.8410% | 1,015 |
| Net charge-offs to loans | 0.2502% | 582 |
| Credit loss provision to net charge-offs | 59.2105% | 2,020 |
| Earnings coverage of net charge-offs (x) | 8.3421% | 1,867 |
| Efficiency ratio | 71.4028% | 2,169 |
| Assets per employee ($millions) | 4.0814% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 3,904 |
| Loan loss allowance to noncurrent loans | 117.3998% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 2,036 |
| Noncurrent loans to loans | 0.8153% | 1,975 |
| Net loans and leases to total assets | 58.5554% | 3,632 |
| Net loans and leases to deposits | 69.2795% | 3,645 |
| Net loans and leases to core deposits | 77.1818% | 3,416 |
| Total domestic deposits to total assets | 84.5205% | 2,593 |
| Equity capital to assets | 13.6542% | 1,162 |
| Core capital (leverage) ratio | 13.3448% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4721% | 927 |
| Memoranda: | ||
| Average total assets | $208,428,500 | 2,803 |
| Average earning assets | $189,486,000 | 2,832 |
| Average equity | $28,413,000 | 2,545 |
| Average total loans | $121,485,500 | 2,941 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 2,453 |
| Cost of funding earning assets | 0.7231% | 3,049 |
| Net interest margin | 3.9331% | 2,059 |
| Noninterest income to average assets | 0.9285% | 1,121 |
| Noninterest expense to average assets | 3.0811% | 1,807 |
| Loan and lease loss provision to assets | 0.0698% | 2,605 |
| Net operating income to assets | 1.3397% | 1,544 |
| Return on assets (ROA) | 1.3347% | 1,645 |
| Pretax return on assets | 1.3347% | 2,381 |
| Return on Equity (ROE) | 9.9185% | 2,334 |
| Retained earnings to average equity (ytd only) | 4.9185% | 2,463 |
| Net charge-offs to loans | 0.0686% | 2,110 |
| Credit loss provision to net charge-offs | 175.0000% | 1,482 |
| Earnings coverage of net charge-offs (x) | 35.3500% | 1,417 |
| Efficiency ratio | 68.6127% | 2,372 |
| Assets per employee ($millions) | 3.7893% | 4,156 |
| Cash dividends to net income (ytd only)* | 50.4108% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,222 |
| Loan loss allowance to noncurrent loans | 54.0351% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 1,081 |
| Noncurrent loans to loans | 1.9405% | 670 |
| Net loans and leases to total assets | 56.8184% | 3,864 |
| Net loans and leases to deposits | 66.3855% | 3,934 |
| Net loans and leases to core deposits | 72.9722% | 3,799 |
| Total domestic deposits to total assets | 85.5885% | 2,243 |
| Equity capital to assets | 13.6090% | 1,241 |
| Core capital (leverage) ratio | 13.1593% | 1,165 |
| Tier 1 risk-based capital ratio | 18.9453% | 1,526 |
| Total risk-based capital ratio | 19.8155% | 1,589 |
| Memoranda: | ||
| Average total assets | $200,640,400 | 2,837 |
| Average earning assets | $181,713,200 | 2,871 |
| Average equity | $27,000,000 | 2,566 |
| Average total loans | $116,559,400 | 2,985 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 2,502 |
| Cost of funding earning assets | 0.7033% | 3,208 |
| Net interest margin | 3.9662% | 2,055 |
| Noninterest income to average assets | 0.9323% | 1,076 |
| Noninterest expense to average assets | 2.9939% | 1,996 |
| Loan and lease loss provision to assets | 0.0634% | 2,620 |
| Net operating income to assets | 1.4606% | 1,303 |
| Return on assets (ROA) | 1.4545% | 1,374 |
| Pretax return on assets | 1.4545% | 2,098 |
| Return on Equity (ROE) | 10.8403% | 2,081 |
| Retained earnings to average equity (ytd only) | 8.8992% | 1,079 |
| Net charge-offs to loans | 0.0734% | 1,773 |
| Credit loss provision to net charge-offs | 148.4375% | 1,650 |
| Earnings coverage of net charge-offs (x) | 35.6567% | 1,462 |
| Efficiency ratio | 66.2676% | 2,692 |
| Assets per employee ($millions) | 3.6966% | 4,279 |
| Cash dividends to net income (ytd only)* | 17.9064% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,553 |
| Loan loss allowance to noncurrent loans | 66.9077% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 1,549 |
| Noncurrent loans to loans | 1.4986% | 1,009 |
| Net loans and leases to total assets | 58.4180% | 3,835 |
| Net loans and leases to deposits | 68.6738% | 3,865 |
| Net loans and leases to core deposits | 76.0277% | 3,696 |
| Total domestic deposits to total assets | 85.0660% | 2,405 |
| Equity capital to assets | 13.8835% | 1,198 |
| Core capital (leverage) ratio | 13.5623% | 1,111 |
| Tier 1 risk-based capital ratio | 20.3682% | 1,309 |
| Total risk-based capital ratio | 21.2664% | 1,330 |
| Memoranda: | ||
| Average total assets | $199,645,000 | 2,864 |
| Average earning assets | $180,485,500 | 2,904 |
| Average equity | $26,788,250 | 2,590 |
| Average total loans | $116,325,500 | 3,012 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 2,498 |
| Cost of funding earning assets | 0.6739% | 3,305 |
| Net interest margin | 3.9810% | 1,982 |
| Noninterest income to average assets | 0.9283% | 1,012 |
| Noninterest expense to average assets | 3.0299% | 1,918 |
| Loan and lease loss provision to assets | 0.0605% | 2,614 |
| Net operating income to assets | 1.4343% | 1,336 |
| Return on assets (ROA) | 1.4323% | 1,389 |
| Pretax return on assets | 1.4323% | 2,095 |
| Return on Equity (ROE) | 10.8025% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.0921% | 1,006 |
| Net charge-offs to loans | 0.0747% | 1,620 |
| Credit loss provision to net charge-offs | 139.5349% | 1,570 |
| Earnings coverage of net charge-offs (x) | 34.4884% | 1,355 |
| Efficiency ratio | 66.9637% | 2,690 |
| Assets per employee ($millions) | 3.5841% | 4,396 |
| Cash dividends to net income (ytd only)* | 15.8339% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,515 |
| Loan loss allowance to noncurrent loans | 99.8321% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 2,241 |
| Noncurrent loans to loans | 1.0193% | 1,610 |
| Net loans and leases to total assets | 57.6220% | 3,951 |
| Net loans and leases to deposits | 67.7401% | 3,985 |
| Net loans and leases to core deposits | 75.9834% | 3,732 |
| Total domestic deposits to total assets | 85.0634% | 2,447 |
| Equity capital to assets | 13.6666% | 1,255 |
| Core capital (leverage) ratio | 13.3435% | 1,173 |
| Tier 1 risk-based capital ratio | 20.1566% | 1,320 |
| Total risk-based capital ratio | 21.0545% | 1,358 |
| Memoranda: | ||
| Average total assets | $198,422,000 | 2,884 |
| Average earning assets | $179,249,330 | 2,923 |
| Average equity | $26,308,670 | 2,614 |
| Average total loans | $115,109,000 | 3,051 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 2,497 |
| Cost of funding earning assets | 0.6214% | 3,453 |
| Net interest margin | 3.9887% | 1,878 |
| Noninterest income to average assets | 0.9408% | 943 |
| Noninterest expense to average assets | 3.1428% | 1,629 |
| Loan and lease loss provision to assets | 0.0608% | 2,441 |
| Net operating income to assets | 1.3423% | 1,550 |
| Return on assets (ROA) | 1.3382% | 1,602 |
| Pretax return on assets | 1.3382% | 2,294 |
| Return on Equity (ROE) | 10.2532% | 2,256 |
| Retained earnings to average equity (ytd only) | 10.2532% | 973 |
| Net charge-offs to loans | 0.0455% | 1,624 |
| Credit loss provision to net charge-offs | 230.7692% | 964 |
| Earnings coverage of net charge-offs (x) | 53.2308% | 987 |
| Efficiency ratio | 69.1347% | 2,483 |
| Assets per employee ($millions) | 3.7521% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,429 |
| Loan loss allowance to noncurrent loans | 160.4588% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 3,101 |
| Noncurrent loans to loans | 0.6514% | 2,386 |
| Net loans and leases to total assets | 56.6057% | 4,013 |
| Net loans and leases to deposits | 65.8338% | 4,067 |
| Net loans and leases to core deposits | 73.2351% | 3,845 |
| Total domestic deposits to total assets | 85.9826% | 2,287 |
| Equity capital to assets | 13.2415% | 1,324 |
| Core capital (leverage) ratio | 13.3456% | 1,136 |
| Tier 1 risk-based capital ratio | 20.1689% | 1,313 |
| Total risk-based capital ratio | 21.0858% | 1,343 |
| Memoranda: | ||
| Average total assets | $197,279,000 | 2,926 |
| Average earning assets | $178,302,500 | 2,967 |
| Average equity | $25,748,000 | 2,662 |
| Average total loans | $114,243,000 | 3,094 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 2,501 |
| Cost of funding earning assets | 0.4281% | 3,812 |
| Net interest margin | 4.0572% | 1,798 |
| Noninterest income to average assets | 0.8764% | 1,246 |
| Noninterest expense to average assets | 3.2160% | 1,511 |
| Loan and lease loss provision to assets | 0.1199% | 1,846 |
| Net operating income to assets | 1.1872% | 2,231 |
| Return on assets (ROA) | 1.1852% | 2,235 |
| Pretax return on assets | 1.1852% | 2,932 |
| Return on Equity (ROE) | 9.6208% | 2,680 |
| Retained earnings to average equity (ytd only) | 3.7437% | 3,515 |
| Net charge-offs to loans | 0.0152% | 3,176 |
| Credit loss provision to net charge-offs | 1,411.7647% | 300 |
| Earnings coverage of net charge-offs (x) | 153.8824% | 552 |
| Efficiency ratio | 71.1003% | 2,032 |
| Assets per employee ($millions) | 3.6240% | 4,423 |
| Cash dividends to net income (ytd only)* | 61.0877% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,548 |
| Loan loss allowance to noncurrent loans | 134.2497% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 2,783 |
| Noncurrent loans to loans | 0.7609% | 2,100 |
| Net loans and leases to total assets | 58.0277% | 3,957 |
| Net loans and leases to deposits | 67.2532% | 4,026 |
| Net loans and leases to core deposits | 73.8249% | 3,865 |
| Total domestic deposits to total assets | 86.2824% | 2,098 |
| Equity capital to assets | 12.8586% | 1,411 |
| Core capital (leverage) ratio | 12.9919% | 1,256 |
| Tier 1 risk-based capital ratio | 18.9499% | 1,528 |
| Total risk-based capital ratio | 19.8210% | 1,552 |
| Memoranda: | ||
| Average total assets | $200,127,000 | 2,868 |
| Average earning assets | $179,879,600 | 2,921 |
| Average equity | $24,655,000 | 2,666 |
| Average total loans | $112,185,200 | 3,103 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 2,534 |
| Cost of funding earning assets | 0.3946% | 3,902 |
| Net interest margin | 4.0344% | 1,841 |
| Noninterest income to average assets | 0.8719% | 1,282 |
| Noninterest expense to average assets | 3.1969% | 1,529 |
| Loan and lease loss provision to assets | 0.1656% | 1,138 |
| Net operating income to assets | 1.1270% | 2,544 |
| Return on assets (ROA) | 1.1250% | 2,566 |
| Pretax return on assets | 1.1250% | 3,296 |
| Return on Equity (ROE) | 9.2301% | 2,986 |
| Retained earnings to average equity (ytd only) | 6.8655% | 2,199 |
| Net charge-offs to loans | 0.0287% | 2,525 |
| Credit loss provision to net charge-offs | 1,041.6667% | 409 |
| Earnings coverage of net charge-offs (x) | 81.2897% | 868 |
| Efficiency ratio | 71.2072% | 2,005 |
| Assets per employee ($millions) | 3.7266% | 4,267 |
| Cash dividends to net income (ytd only)* | 25.6186% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,496 |
| Loan loss allowance to noncurrent loans | 155.3665% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 3,140 |
| Noncurrent loans to loans | 0.6726% | 2,396 |
| Net loans and leases to total assets | 56.9116% | 4,140 |
| Net loans and leases to deposits | 66.0068% | 4,199 |
| Net loans and leases to core deposits | 72.7507% | 4,028 |
| Total domestic deposits to total assets | 86.2208% | 2,088 |
| Equity capital to assets | 12.7904% | 1,425 |
| Core capital (leverage) ratio | 13.0641% | 1,251 |
| Tier 1 risk-based capital ratio | 20.1784% | 1,302 |
| Total risk-based capital ratio | 21.1055% | 1,330 |
| Memoranda: | ||
| Average total assets | $201,234,250 | 2,874 |
| Average earning assets | $180,443,500 | 2,940 |
| Average equity | $24,527,750 | 2,687 |
| Average total loans | $111,548,750 | 3,140 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,585 |
| Cost of funding earning assets | 0.3625% | 3,992 |
| Net interest margin | 3.9877% | 1,902 |
| Noninterest income to average assets | 0.9008% | 1,182 |
| Noninterest expense to average assets | 3.0374% | 1,945 |
| Loan and lease loss provision to assets | 0.1580% | 1,188 |
| Net operating income to assets | 1.2693% | 1,901 |
| Return on assets (ROA) | 1.2673% | 1,908 |
| Pretax return on assets | 1.2673% | 2,639 |
| Return on Equity (ROE) | 10.5671% | 2,298 |
| Retained earnings to average equity (ytd only) | 6.9843% | 2,077 |
| Net charge-offs to loans | 0.0343% | 2,163 |
| Credit loss provision to net charge-offs | 842.1053% | 475 |
| Earnings coverage of net charge-offs (x) | 76.0526% | 851 |
| Efficiency ratio | 68.0310% | 2,639 |
| Assets per employee ($millions) | 3.6571% | 4,391 |
| Cash dividends to net income (ytd only)* | 33.9049% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,970 |
| Loan loss allowance to noncurrent loans | 94.3493% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 2,388 |
| Noncurrent loans to loans | 1.0360% | 1,697 |
| Net loans and leases to total assets | 55.5039% | 4,200 |
| Net loans and leases to deposits | 63.6913% | 4,297 |
| Net loans and leases to core deposits | 70.0737% | 4,137 |
| Total domestic deposits to total assets | 87.1452% | 1,776 |
| Equity capital to assets | 12.1349% | 1,755 |
| Core capital (leverage) ratio | 12.3751% | 1,503 |
| Tier 1 risk-based capital ratio | 19.2605% | 1,484 |
| Total risk-based capital ratio | 20.1108% | 1,545 |
| Memoranda: | ||
| Average total assets | $202,476,330 | 2,876 |
| Average earning assets | $180,955,670 | 2,952 |
| Average equity | $24,283,000 | 2,727 |
| Average total loans | $110,867,670 | 3,162 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,743 |
| Cost of funding earning assets | 0.3346% | 4,108 |
| Net interest margin | 3.9064% | 2,023 |
| Noninterest income to average assets | 0.8959% | 1,158 |
| Noninterest expense to average assets | 3.0382% | 1,975 |
| Loan and lease loss provision to assets | 0.1378% | 1,370 |
| Net operating income to assets | 1.1913% | 2,047 |
| Return on assets (ROA) | 1.1873% | 2,075 |
| Pretax return on assets | 1.1873% | 2,815 |
| Return on Equity (ROE) | 9.9585% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.9585% | 1,172 |
| Net charge-offs to loans | 0.0036% | 2,608 |
| Credit loss provision to net charge-offs | 7,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 675.0000% | 92 |
| Efficiency ratio | 69.5672% | 2,561 |
| Assets per employee ($millions) | 3.7796% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,258 |
| Loan loss allowance to noncurrent loans | 118.9376% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 3,015 |
| Noncurrent loans to loans | 0.7921% | 2,227 |
| Net loans and leases to total assets | 53.0642% | 4,366 |
| Net loans and leases to deposits | 60.8151% | 4,417 |
| Net loans and leases to core deposits | 65.9586% | 4,307 |
| Total domestic deposits to total assets | 87.2550% | 2,022 |
| Equity capital to assets | 11.8851% | 1,860 |
| Core capital (leverage) ratio | 12.2825% | 1,486 |
| Tier 1 risk-based capital ratio | 19.4922% | 1,439 |
| Total risk-based capital ratio | 20.3044% | 1,504 |
| Memoranda: | ||
| Average total assets | $203,145,000 | 2,905 |
| Average earning assets | $180,523,500 | 2,985 |
| Average equity | $24,220,500 | 2,753 |
| Average total loans | $109,930,500 | 3,191 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 3,072 |
| Cost of funding earning assets | 0.3090% | 4,047 |
| Net interest margin | 3.7870% | 2,472 |
| Noninterest income to average assets | 0.9282% | 1,194 |
| Noninterest expense to average assets | 3.4841% | 1,063 |
| Loan and lease loss provision to assets | 0.0621% | 2,986 |
| Net operating income to assets | 0.7727% | 3,288 |
| Return on assets (ROA) | 0.7733% | 3,325 |
| Pretax return on assets | 0.7733% | 4,324 |
| Return on Equity (ROE) | 5.9635% | 3,776 |
| Retained earnings to average equity (ytd only) | -11.3936% | 5,551 |
| Net charge-offs to loans | 0.0344% | 3,103 |
| Credit loss provision to net charge-offs | 350.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 47.0667% | 1,137 |
| Efficiency ratio | 80.6708% | 1,047 |
| Assets per employee ($millions) | 3.7443% | 4,371 |
| Cash dividends to net income (ytd only)* | 291.0550% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,596 |
| Loan loss allowance to noncurrent loans | 94.3081% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,769 |
| Noncurrent loans to loans | 0.9219% | 1,940 |
| Net loans and leases to total assets | 54.1895% | 4,345 |
| Net loans and leases to deposits | 62.0951% | 4,444 |
| Net loans and leases to core deposits | 67.2213% | 4,348 |
| Total domestic deposits to total assets | 87.2687% | 1,872 |
| Equity capital to assets | 11.9608% | 1,854 |
| Core capital (leverage) ratio | 11.6929% | 1,797 |
| Tier 1 risk-based capital ratio | 19.0686% | 1,496 |
| Total risk-based capital ratio | 19.8286% | 1,574 |
| Memoranda: | ||
| Average total assets | $169,137,400 | 3,256 |
| Average earning assets | $151,439,600 | 3,304 |
| Average equity | $21,933,400 | 2,962 |
| Average total loans | $87,301,400 | 3,582 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,745 |
| Cost of funding earning assets | 0.2916% | 4,216 |
| Net interest margin | 3.5864% | 3,207 |
| Noninterest income to average assets | 0.8876% | 1,311 |
| Noninterest expense to average assets | 3.2140% | 1,528 |
| Loan and lease loss provision to assets | 0.0373% | 3,363 |
| Net operating income to assets | 0.8578% | 3,243 |
| Return on assets (ROA) | 0.8586% | 3,282 |
| Pretax return on assets | 0.8586% | 4,186 |
| Return on Equity (ROE) | 6.4635% | 3,925 |
| Retained earnings to average equity (ytd only) | -12.0286% | 5,630 |
| Net charge-offs to loans | 0.0327% | 2,779 |
| Credit loss provision to net charge-offs | 225.0000% | 1,235 |
| Earnings coverage of net charge-offs (x) | 53.9918% | 1,067 |
| Efficiency ratio | 78.2170% | 1,306 |
| Assets per employee ($millions) | 3.5372% | 4,675 |
| Cash dividends to net income (ytd only)* | 286.1001% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,645 |
| Loan loss allowance to noncurrent loans | 90.3770% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 2,559 |
| Noncurrent loans to loans | 1.1885% | 1,613 |
| Net loans and leases to total assets | 52.7121% | 4,520 |
| Net loans and leases to deposits | 62.5267% | 4,476 |
| Net loans and leases to core deposits | 67.7563% | 4,371 |
| Total domestic deposits to total assets | 84.3033% | 2,995 |
| Equity capital to assets | 12.5448% | 1,636 |
| Core capital (leverage) ratio | 12.6774% | 1,339 |
| Tier 1 risk-based capital ratio | 19.3238% | 1,515 |
| Total risk-based capital ratio | 20.2102% | 1,557 |
| Memoranda: | ||
| Average total assets | $160,873,250 | 3,364 |
| Average earning assets | $144,505,000 | 3,420 |
| Average equity | $21,370,750 | 3,034 |
| Average total loans | $81,494,500 | 3,739 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 3,914 |
| Cost of funding earning assets | 0.2913% | 4,171 |
| Net interest margin | 3.5028% | 3,389 |
| Noninterest income to average assets | 0.8932% | 1,291 |
| Noninterest expense to average assets | 3.1764% | 1,635 |
| Loan and lease loss provision to assets | 0.0372% | 3,266 |
| Net operating income to assets | 0.8375% | 3,212 |
| Return on assets (ROA) | 0.8337% | 3,281 |
| Pretax return on assets | 0.8337% | 4,147 |
| Return on Equity (ROE) | 6.1635% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.4984% | 3,624 |
| Net charge-offs to loans | 0.0075% | 3,187 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 235.3333% | 360 |
| Efficiency ratio | 78.4098% | 1,407 |
| Assets per employee ($millions) | 3.6438% | 4,517 |
| Cash dividends to net income (ytd only)* | 43.2392% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,409 |
| Loan loss allowance to noncurrent loans | 92.5963% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 2,722 |
| Noncurrent loans to loans | 1.2227% | 1,594 |
| Net loans and leases to total assets | 49.7281% | 4,727 |
| Net loans and leases to deposits | 58.4572% | 4,732 |
| Net loans and leases to core deposits | 63.5678% | 4,634 |
| Total domestic deposits to total assets | 85.0675% | 2,783 |
| Equity capital to assets | 13.8859% | 1,006 |
| Core capital (leverage) ratio | 13.5966% | 969 |
| Tier 1 risk-based capital ratio | 22.5568% | 987 |
| Total risk-based capital ratio | 23.4858% | 1,002 |
| Memoranda: | ||
| Average total assets | $161,439,670 | 3,379 |
| Average earning assets | $145,541,670 | 3,422 |
| Average equity | $21,838,330 | 2,993 |
| Average total loans | $80,387,670 | 3,786 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 3,929 |
| Cost of funding earning assets | 0.2912% | 4,133 |
| Net interest margin | 3.4609% | 3,417 |
| Noninterest income to average assets | 0.9111% | 1,205 |
| Noninterest expense to average assets | 3.2421% | 1,496 |
| Loan and lease loss provision to assets | 0.0370% | 3,060 |
| Net operating income to assets | 0.7432% | 3,507 |
| Return on assets (ROA) | 0.7358% | 3,583 |
| Pretax return on assets | 0.7358% | 4,325 |
| Return on Equity (ROE) | 5.5119% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.5119% | 2,592 |
| Net charge-offs to loans | 0.0100% | 2,633 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 342 |
| Efficiency ratio | 80.6016% | 1,304 |
| Assets per employee ($millions) | 3.7616% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,661 |
| Loan loss allowance to noncurrent loans | 118.7583% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 3,374 |
| Noncurrent loans to loans | 0.9343% | 2,172 |
| Net loans and leases to total assets | 48.4131% | 4,788 |
| Net loans and leases to deposits | 56.5357% | 4,784 |
| Net loans and leases to core deposits | 60.9445% | 4,726 |
| Total domestic deposits to total assets | 85.6328% | 2,823 |
| Equity capital to assets | 13.2295% | 1,170 |
| Core capital (leverage) ratio | 13.7699% | 899 |
| Tier 1 risk-based capital ratio | 22.2106% | 1,064 |
| Total risk-based capital ratio | 23.1147% | 1,075 |
| Memoranda: | ||
| Average total assets | $161,995,500 | 3,403 |
| Average earning assets | $145,628,500 | 3,455 |
| Average equity | $21,626,000 | 3,014 |
| Average total loans | $80,261,000 | 3,806 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 3,724 |
| Cost of funding earning assets | 0.2938% | 4,135 |
| Net interest margin | 3.5613% | 3,214 |
| Noninterest income to average assets | 0.8319% | 1,644 |
| Noninterest expense to average assets | 3.1208% | 1,973 |
| Loan and lease loss provision to assets | -0.0412% | 5,564 |
| Net operating income to assets | 0.9905% | 2,392 |
| Return on assets (ROA) | 0.9956% | 2,473 |
| Pretax return on assets | 0.9956% | 3,491 |
| Return on Equity (ROE) | 7.1834% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.5986% | 3,365 |
| Net charge-offs to loans | 0.0534% | 2,969 |
| Credit loss provision to net charge-offs | -154.7619% | 4,955 |
| Earnings coverage of net charge-offs (x) | 35.6190% | 1,282 |
| Efficiency ratio | 76.6760% | 1,894 |
| Assets per employee ($millions) | 3.6019% | 4,606 |
| Cash dividends to net income (ytd only)* | 49.9044% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,625 |
| Loan loss allowance to noncurrent loans | 92.9696% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 2,924 |
| Noncurrent loans to loans | 1.1988% | 1,717 |
| Net loans and leases to total assets | 49.6012% | 4,791 |
| Net loans and leases to deposits | 58.0432% | 4,782 |
| Net loans and leases to core deposits | 63.1362% | 4,683 |
| Total domestic deposits to total assets | 85.4558% | 2,854 |
| Equity capital to assets | 13.4753% | 1,059 |
| Core capital (leverage) ratio | 13.5935% | 936 |
| Tier 1 risk-based capital ratio | 22.4242% | 1,025 |
| Total risk-based capital ratio | 23.3360% | 1,040 |
| Memoranda: | ||
| Average total assets | $157,590,200 | 3,423 |
| Average earning assets | $143,292,000 | 3,460 |
| Average equity | $21,842,000 | 3,000 |
| Average total loans | $78,605,800 | 3,836 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 3,798 |
| Cost of funding earning assets | 0.2927% | 4,184 |
| Net interest margin | 3.5472% | 3,286 |
| Noninterest income to average assets | 0.8566% | 1,556 |
| Noninterest expense to average assets | 3.0713% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0201% | 2,330 |
| Return on assets (ROA) | 1.0269% | 2,436 |
| Pretax return on assets | 1.0269% | 3,526 |
| Return on Equity (ROE) | 7.3575% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.8277% | 2,284 |
| Net charge-offs to loans | 0.0238% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 85.9823% | 728 |
| Efficiency ratio | 75.0673% | 2,100 |
| Assets per employee ($millions) | 3.6589% | 4,558 |
| Cash dividends to net income (ytd only)* | 20.7920% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,205 |
| Loan loss allowance to noncurrent loans | 104.4824% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 2,628 |
| Noncurrent loans to loans | 1.1531% | 1,944 |
| Net loans and leases to total assets | 49.8674% | 4,829 |
| Net loans and leases to deposits | 59.0018% | 4,820 |
| Net loans and leases to core deposits | 64.9536% | 4,671 |
| Total domestic deposits to total assets | 84.5184% | 3,021 |
| Equity capital to assets | 13.9952% | 1,030 |
| Core capital (leverage) ratio | 13.7254% | 937 |
| Tier 1 risk-based capital ratio | 22.4927% | 1,064 |
| Total risk-based capital ratio | 23.5015% | 1,084 |
| Memoranda: | ||
| Average total assets | $157,367,250 | 3,437 |
| Average earning assets | $143,508,750 | 3,467 |
| Average equity | $21,963,500 | 3,012 |
| Average total loans | $78,383,500 | 3,867 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 3,818 |
| Cost of funding earning assets | 0.2919% | 4,226 |
| Net interest margin | 3.5452% | 3,305 |
| Noninterest income to average assets | 0.8427% | 1,575 |
| Noninterest expense to average assets | 3.0789% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9990% | 2,400 |
| Return on assets (ROA) | 1.0015% | 2,526 |
| Pretax return on assets | 1.0015% | 3,579 |
| Return on Equity (ROE) | 7.1828% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.8681% | 2,811 |
| Net charge-offs to loans | 0.0155% | 3,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 462 |
| Efficiency ratio | 75.5025% | 2,148 |
| Assets per employee ($millions) | 3.6447% | 4,523 |
| Cash dividends to net income (ytd only)* | 32.2251% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 3,115 |
| Loan loss allowance to noncurrent loans | 96.3867% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 2,503 |
| Noncurrent loans to loans | 1.2895% | 1,754 |
| Net loans and leases to total assets | 48.9007% | 4,919 |
| Net loans and leases to deposits | 57.6184% | 4,923 |
| Net loans and leases to core deposits | 62.9822% | 4,813 |
| Total domestic deposits to total assets | 84.8698% | 2,934 |
| Equity capital to assets | 13.8413% | 1,078 |
| Core capital (leverage) ratio | 13.3579% | 1,034 |
| Tier 1 risk-based capital ratio | 22.4349% | 1,088 |
| Total risk-based capital ratio | 23.4705% | 1,097 |
| Memoranda: | ||
| Average total assets | $156,159,330 | 3,473 |
| Average earning assets | $142,500,670 | 3,505 |
| Average equity | $21,774,330 | 3,035 |
| Average total loans | $77,424,330 | 3,917 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 3,805 |
| Cost of funding earning assets | 0.2869% | 4,309 |
| Net interest margin | 3.5535% | 3,260 |
| Noninterest income to average assets | 0.8283% | 1,525 |
| Noninterest expense to average assets | 3.1677% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9088% | 2,707 |
| Return on assets (ROA) | 0.9140% | 2,795 |
| Pretax return on assets | 0.9140% | 3,787 |
| Return on Equity (ROE) | 6.5297% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.5297% | 2,122 |
| Net charge-offs to loans | 0.0209% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 595 |
| Efficiency ratio | 77.7070% | 1,935 |
| Assets per employee ($millions) | 3.6245% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,915 |
| Loan loss allowance to noncurrent loans | 110.1336% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 2,720 |
| Noncurrent loans to loans | 1.1782% | 2,053 |
| Net loans and leases to total assets | 47.1714% | 5,031 |
| Net loans and leases to deposits | 55.2339% | 5,026 |
| Net loans and leases to core deposits | 59.9641% | 4,943 |
| Total domestic deposits to total assets | 85.4030% | 2,953 |
| Equity capital to assets | 13.6959% | 1,091 |
| Core capital (leverage) ratio | 13.8815% | 845 |
| Tier 1 risk-based capital ratio | 21.9703% | 1,163 |
| Total risk-based capital ratio | 22.9930% | 1,180 |
| Memoranda: | ||
| Average total assets | $154,055,000 | 3,517 |
| Average earning assets | $140,818,000 | 3,545 |
| Average equity | $21,563,000 | 3,060 |
| Average total loans | $76,432,500 | 3,954 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 3,424 |
| Cost of funding earning assets | 0.3269% | 3,944 |
| Net interest margin | 3.6455% | 2,959 |
| Noninterest income to average assets | 0.8413% | 1,636 |
| Noninterest expense to average assets | 3.2998% | 1,721 |
| Loan and lease loss provision to assets | -0.0811% | 5,816 |
| Net operating income to assets | 0.9157% | 2,784 |
| Return on assets (ROA) | 0.9137% | 2,879 |
| Pretax return on assets | 0.9137% | 3,786 |
| Return on Equity (ROE) | 6.3513% | 3,868 |
| Retained earnings to average equity (ytd only) | 1.7710% | 4,723 |
| Net charge-offs to loans | -0.1258% | 5,842 |
| Credit loss provision to net charge-offs | 129.0323% | 2,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8137% | 1,702 |
| Assets per employee ($millions) | 3.3029% | 5,148 |
| Cash dividends to net income (ytd only)* | 72.1154% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,936 |
| Loan loss allowance to noncurrent loans | 94.1232% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 2,267 |
| Noncurrent loans to loans | 1.3764% | 1,705 |
| Net loans and leases to total assets | 50.9009% | 4,787 |
| Net loans and leases to deposits | 60.0828% | 4,770 |
| Net loans and leases to core deposits | 65.2457% | 4,646 |
| Total domestic deposits to total assets | 84.7180% | 3,201 |
| Equity capital to assets | 14.3199% | 828 |
| Core capital (leverage) ratio | 13.9689% | 831 |
| Tier 1 risk-based capital ratio | 21.9959% | 1,148 |
| Total risk-based capital ratio | 23.0421% | 1,154 |
| Memoranda: | ||
| Average total assets | $147,977,600 | 3,603 |
| Average earning assets | $133,672,000 | 3,634 |
| Average equity | $21,287,000 | 3,041 |
| Average total loans | $73,915,800 | 3,997 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 3,490 |
| Cost of funding earning assets | 0.3453% | 3,804 |
| Net interest margin | 3.6165% | 3,095 |
| Noninterest income to average assets | 0.8416% | 1,647 |
| Noninterest expense to average assets | 3.2238% | 1,903 |
| Loan and lease loss provision to assets | -0.1082% | 6,008 |
| Net operating income to assets | 0.9850% | 2,542 |
| Return on assets (ROA) | 0.9850% | 2,626 |
| Pretax return on assets | 0.9850% | 3,670 |
| Return on Equity (ROE) | 6.8394% | 3,708 |
| Retained earnings to average equity (ytd only) | 3.8331% | 3,746 |
| Net charge-offs to loans | -0.2276% | 6,025 |
| Credit loss provision to net charge-offs | 96.0000% | 2,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6186% | 1,872 |
| Assets per employee ($millions) | 3.4964% | 4,793 |
| Cash dividends to net income (ytd only)* | 43.9559% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,905 |
| Loan loss allowance to noncurrent loans | 87.3828% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 2,274 |
| Noncurrent loans to loans | 1.5332% | 1,633 |
| Net loans and leases to total assets | 50.2065% | 4,915 |
| Net loans and leases to deposits | 59.1884% | 4,912 |
| Net loans and leases to core deposits | 64.7789% | 4,776 |
| Total domestic deposits to total assets | 84.8249% | 3,087 |
| Equity capital to assets | 14.3803% | 889 |
| Core capital (leverage) ratio | 14.4667% | 748 |
| Tier 1 risk-based capital ratio | 22.2138% | 1,161 |
| Total risk-based capital ratio | 23.2871% | 1,169 |
| Memoranda: | ||
| Average total assets | $147,814,000 | 3,635 |
| Average earning assets | $133,202,500 | 3,675 |
| Average equity | $21,287,750 | 3,066 |
| Average total loans | $73,232,750 | 4,053 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 3,348 |
| Cost of funding earning assets | 0.3798% | 3,497 |
| Net interest margin | 3.6071% | 3,061 |
| Noninterest income to average assets | 0.9036% | 1,431 |
| Noninterest expense to average assets | 3.2496% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8981% | 2,885 |
| Return on assets (ROA) | 0.8981% | 3,013 |
| Pretax return on assets | 0.8981% | 3,966 |
| Return on Equity (ROE) | 6.2332% | 4,025 |
| Retained earnings to average equity (ytd only) | 1.7000% | 4,849 |
| Net charge-offs to loans | -0.3770% | 6,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3465% | 2,013 |
| Assets per employee ($millions) | 3.3223% | 5,125 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,889 |
| Loan loss allowance to noncurrent loans | 93.2258% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 1,575 |
| Noncurrent loans to loans | 1.7225% | 1,493 |
| Net loans and leases to total assets | 48.4550% | 5,056 |
| Net loans and leases to deposits | 56.8694% | 5,071 |
| Net loans and leases to core deposits | 62.3505% | 4,919 |
| Total domestic deposits to total assets | 85.2040% | 3,035 |
| Equity capital to assets | 14.3829% | 850 |
| Core capital (leverage) ratio | 14.0217% | 831 |
| Tier 1 risk-based capital ratio | 21.6684% | 1,253 |
| Total risk-based capital ratio | 22.8736% | 1,247 |
| Memoranda: | ||
| Average total assets | $146,970,330 | 3,678 |
| Average earning assets | $132,183,330 | 3,717 |
| Average equity | $21,177,000 | 3,094 |
| Average total loans | $72,141,000 | 4,103 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 3,556 |
| Cost of funding earning assets | 0.4355% | 2,925 |
| Net interest margin | 3.4749% | 3,530 |
| Noninterest income to average assets | 0.8740% | 1,484 |
| Noninterest expense to average assets | 3.1894% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8034% | 3,243 |
| Return on assets (ROA) | 0.8034% | 3,368 |
| Pretax return on assets | 0.8034% | 4,230 |
| Return on Equity (ROE) | 5.5710% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.5710% | 2,739 |
| Net charge-offs to loans | -0.7699% | 6,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8776% | 1,913 |
| Assets per employee ($millions) | 3.3668% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 2,096 |
| Loan loss allowance to noncurrent loans | 158.5499% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 2,105 |
| Noncurrent loans to loans | 1.0012% | 2,757 |
| Net loans and leases to total assets | 48.5041% | 4,983 |
| Net loans and leases to deposits | 57.0869% | 4,979 |
| Net loans and leases to core deposits | 62.5810% | 4,809 |
| Total domestic deposits to total assets | 84.9654% | 3,430 |
| Equity capital to assets | 14.5081% | 830 |
| Core capital (leverage) ratio | 13.9691% | 830 |
| Tier 1 risk-based capital ratio | 22.3303% | 1,195 |
| Total risk-based capital ratio | 23.5686% | 1,183 |
| Memoranda: | ||
| Average total assets | $147,365,000 | 3,691 |
| Average earning assets | $132,263,000 | 3,743 |
| Average equity | $21,253,000 | 3,106 |
| Average total loans | $72,217,500 | 4,127 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,462 |
| Cost of funding earning assets | 0.4628% | 3,043 |
| Net interest margin | 3.6017% | 3,407 |
| Noninterest income to average assets | 0.8047% | 1,855 |
| Noninterest expense to average assets | 3.3158% | 1,887 |
| Loan and lease loss provision to assets | -0.1330% | 6,206 |
| Net operating income to assets | 0.8436% | 3,153 |
| Return on assets (ROA) | 0.8743% | 3,085 |
| Pretax return on assets | 0.8743% | 3,982 |
| Return on Equity (ROE) | 6.1899% | 4,063 |
| Retained earnings to average equity (ytd only) | 2.1921% | 4,684 |
| Net charge-offs to loans | 0.0187% | 4,479 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,953 |
| Earnings coverage of net charge-offs (x) | 80.1538% | 623 |
| Efficiency ratio | 82.3509% | 1,622 |
| Assets per employee ($millions) | 3.4091% | 5,038 |
| Cash dividends to net income (ytd only)* | 64.5866% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 2,810 |
| Loan loss allowance to noncurrent loans | 107.8224% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4373% | 1,920 |
| Noncurrent loans to loans | 1.3245% | 2,222 |
| Net loans and leases to total assets | 48.0265% | 5,153 |
| Net loans and leases to deposits | 58.5058% | 5,027 |
| Net loans and leases to core deposits | 63.8506% | 4,836 |
| Total domestic deposits to total assets | 82.0884% | 4,387 |
| Equity capital to assets | 14.3350% | 862 |
| Core capital (leverage) ratio | 13.8647% | 848 |
| Tier 1 risk-based capital ratio | 21.5906% | 1,292 |
| Total risk-based capital ratio | 22.6636% | 1,300 |
| Memoranda: | ||
| Average total assets | $146,631,000 | 3,682 |
| Average earning assets | $131,159,400 | 3,740 |
| Average equity | $20,711,200 | 3,081 |
| Average total loans | $69,692,800 | 4,193 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,559 |
| Cost of funding earning assets | 0.4666% | 3,086 |
| Net interest margin | 3.5836% | 3,494 |
| Noninterest income to average assets | 0.9829% | 1,273 |
| Noninterest expense to average assets | 3.2632% | 1,988 |
| Loan and lease loss provision to assets | 0.0409% | 3,587 |
| Net operating income to assets | 0.8838% | 2,996 |
| Return on assets (ROA) | 0.9247% | 2,894 |
| Pretax return on assets | 0.9247% | 3,888 |
| Return on Equity (ROE) | 6.5711% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.8265% | 3,198 |
| Net charge-offs to loans | 0.0173% | 4,186 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 112.9975% | 524 |
| Efficiency ratio | 77.9201% | 2,191 |
| Assets per employee ($millions) | 3.5184% | 4,828 |
| Cash dividends to net income (ytd only)* | 26.5485% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 1,825 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.5693% | 1,949 |
| Noncurrent loans to loans | 0.9843% | 3,108 |
| Net loans and leases to total assets | 48.0247% | 5,199 |
| Net loans and leases to deposits | 58.7441% | 5,038 |
| Net loans and leases to core deposits | 64.2718% | 4,856 |
| Total domestic deposits to total assets | 81.7523% | 4,562 |
| Equity capital to assets | 14.2963% | 912 |
| Core capital (leverage) ratio | 14.0765% | 825 |
| Tier 1 risk-based capital ratio | 22.9970% | 1,107 |
| Total risk-based capital ratio | 24.2541% | 1,089 |
| Memoranda: | ||
| Average total assets | $146,640,750 | 3,714 |
| Average earning assets | $131,149,500 | 3,766 |
| Average equity | $20,635,500 | 3,101 |
| Average total loans | $69,260,250 | 4,239 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,608 |
| Cost of funding earning assets | 0.4679% | 3,128 |
| Net interest margin | 3.5645% | 3,513 |
| Noninterest income to average assets | 0.9503% | 1,332 |
| Noninterest expense to average assets | 3.2941% | 1,939 |
| Loan and lease loss provision to assets | 0.0410% | 3,495 |
| Net operating income to assets | 0.8027% | 3,317 |
| Return on assets (ROA) | 0.8081% | 3,387 |
| Pretax return on assets | 0.8081% | 4,235 |
| Return on Equity (ROE) | 5.7737% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.1360% | 4,211 |
| Net charge-offs to loans | 0.1816% | 1,944 |
| Credit loss provision to net charge-offs | 48.3871% | 2,814 |
| Earnings coverage of net charge-offs (x) | 9.9516% | 2,296 |
| Efficiency ratio | 79.6100% | 2,079 |
| Assets per employee ($millions) | 3.4669% | 4,911 |
| Cash dividends to net income (ytd only)* | 45.6853% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 2,058 |
| Loan loss allowance to noncurrent loans | 176.6617% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4657% | 2,221 |
| Noncurrent loans to loans | 0.9763% | 3,283 |
| Net loans and leases to total assets | 45.7139% | 5,393 |
| Net loans and leases to deposits | 55.4089% | 5,244 |
| Net loans and leases to core deposits | 60.5082% | 5,103 |
| Total domestic deposits to total assets | 82.5028% | 4,473 |
| Equity capital to assets | 13.9151% | 1,005 |
| Core capital (leverage) ratio | 13.6747% | 925 |
| Tier 1 risk-based capital ratio | 23.0248% | 1,103 |
| Total risk-based capital ratio | 24.2815% | 1,088 |
| Memoranda: | ||
| Average total assets | $146,263,670 | 3,738 |
| Average earning assets | $130,790,330 | 3,790 |
| Average equity | $20,472,000 | 3,119 |
| Average total loans | $68,270,000 | 4,289 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 3,380 |
| Cost of funding earning assets | 0.4787% | 3,123 |
| Net interest margin | 3.5951% | 3,263 |
| Noninterest income to average assets | 0.8726% | 1,478 |
| Noninterest expense to average assets | 3.4627% | 1,565 |
| Loan and lease loss provision to assets | 0.0414% | 3,260 |
| Net operating income to assets | 0.5826% | 4,277 |
| Return on assets (ROA) | 0.5744% | 4,402 |
| Pretax return on assets | 0.5744% | 4,920 |
| Return on Equity (ROE) | 4.0913% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.0913% | 3,663 |
| Net charge-offs to loans | 0.3720% | 972 |
| Credit loss provision to net charge-offs | 23.8095% | 2,465 |
| Earnings coverage of net charge-offs (x) | 3.5873% | 2,656 |
| Efficiency ratio | 84.7297% | 1,588 |
| Assets per employee ($millions) | 3.2723% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 2,200 |
| Loan loss allowance to noncurrent loans | 10,727.2727% | 72 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 3,193 |
| Noncurrent loans to loans | 0.0163% | 6,119 |
| Net loans and leases to total assets | 45.0194% | 5,426 |
| Net loans and leases to deposits | 54.8022% | 5,209 |
| Net loans and leases to core deposits | 59.9347% | 5,045 |
| Total domestic deposits to total assets | 82.1490% | 4,900 |
| Equity capital to assets | 13.9557% | 935 |
| Core capital (leverage) ratio | 14.1393% | 778 |
| Tier 1 risk-based capital ratio | 23.7577% | 1,041 |
| Total risk-based capital ratio | 25.0196% | 1,021 |
| Memoranda: | ||
| Average total assets | $144,858,000 | 3,789 |
| Average earning assets | $129,509,500 | 3,847 |
| Average equity | $20,336,000 | 3,131 |
| Average total loans | $67,733,000 | 4,332 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 3,490 |
| Cost of funding earning assets | 0.5308% | 3,278 |
| Net interest margin | 3.6306% | 3,327 |
| Noninterest income to average assets | 0.9741% | 1,452 |
| Noninterest expense to average assets | 3.4244% | 1,827 |
| Loan and lease loss provision to assets | 0.0689% | 3,753 |
| Net operating income to assets | 0.7130% | 3,734 |
| Return on assets (ROA) | 0.7433% | 3,679 |
| Pretax return on assets | 0.7433% | 4,365 |
| Return on Equity (ROE) | 5.1870% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.3797% | 5,207 |
| Net charge-offs to loans | 0.1961% | 2,894 |
| Credit loss provision to net charge-offs | 73.5294% | 3,215 |
| Earnings coverage of net charge-offs (x) | 8.3456% | 2,688 |
| Efficiency ratio | 81.4117% | 1,957 |
| Assets per employee ($millions) | 3.2378% | 5,412 |
| Cash dividends to net income (ytd only)* | 73.4013% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 2,051 |
| Loan loss allowance to noncurrent loans | 320.6266% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 1.3379% | 2,747 |
| Noncurrent loans to loans | 0.5633% | 4,581 |
| Net loans and leases to total assets | 46.8652% | 5,405 |
| Net loans and leases to deposits | 57.8396% | 5,139 |
| Net loans and leases to core deposits | 62.9227% | 4,976 |
| Total domestic deposits to total assets | 81.0261% | 5,168 |
| Equity capital to assets | 14.1243% | 869 |
| Core capital (leverage) ratio | 13.9578% | 830 |
| Tier 1 risk-based capital ratio | 23.6140% | 1,002 |
| Total risk-based capital ratio | 24.8730% | 986 |
| Memoranda: | ||
| Average total assets | $145,165,400 | 3,783 |
| Average earning assets | $129,234,600 | 3,862 |
| Average equity | $20,802,000 | 3,069 |
| Average total loans | $69,346,800 | 4,291 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 3,606 |
| Cost of funding earning assets | 0.5453% | 3,315 |
| Net interest margin | 3.5937% | 3,471 |
| Noninterest income to average assets | 1.0020% | 1,448 |
| Noninterest expense to average assets | 3.3369% | 1,987 |
| Loan and lease loss provision to assets | 0.0777% | 3,506 |
| Net operating income to assets | 0.7807% | 3,453 |
| Return on assets (ROA) | 0.8210% | 3,368 |
| Pretax return on assets | 0.8210% | 4,219 |
| Return on Equity (ROE) | 5.7090% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.0561% | 3,804 |
| Net charge-offs to loans | 0.2526% | 2,299 |
| Credit loss provision to net charge-offs | 64.3939% | 3,194 |
| Earnings coverage of net charge-offs (x) | 7.1135% | 2,844 |
| Efficiency ratio | 79.5380% | 2,170 |
| Assets per employee ($millions) | 3.1425% | 5,598 |
| Cash dividends to net income (ytd only)* | 28.9535% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 2,218 |
| Loan loss allowance to noncurrent loans | 84.1050% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.0684% | 1,942 |
| Noncurrent loans to loans | 2.1718% | 2,038 |
| Net loans and leases to total assets | 45.2486% | 5,610 |
| Net loans and leases to deposits | 55.2888% | 5,434 |
| Net loans and leases to core deposits | 60.2263% | 5,277 |
| Total domestic deposits to total assets | 81.8404% | 4,982 |
| Equity capital to assets | 14.2518% | 895 |
| Core capital (leverage) ratio | 14.0857% | 853 |
| Tier 1 risk-based capital ratio | 23.1600% | 1,117 |
| Total risk-based capital ratio | 24.4182% | 1,099 |
| Memoranda: | ||
| Average total assets | $145,840,750 | 3,814 |
| Average earning assets | $129,592,500 | 3,892 |
| Average equity | $20,972,000 | 3,077 |
| Average total loans | $69,685,000 | 4,309 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 3,555 |
| Cost of funding earning assets | 0.5604% | 3,305 |
| Net interest margin | 3.5859% | 3,428 |
| Noninterest income to average assets | 1.0023% | 1,533 |
| Noninterest expense to average assets | 3.2967% | 2,078 |
| Loan and lease loss provision to assets | 0.0820% | 3,424 |
| Net operating income to assets | 0.8081% | 3,245 |
| Return on assets (ROA) | 0.8546% | 3,166 |
| Pretax return on assets | 0.8546% | 4,095 |
| Return on Equity (ROE) | 5.9255% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.4605% | 4,118 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7394% | 2,340 |
| Assets per employee ($millions) | 3.1833% | 5,525 |
| Cash dividends to net income (ytd only)* | 41.6000% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 2,020 |
| Loan loss allowance to noncurrent loans | 89.6412% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.0610% | 2,100 |
| Noncurrent loans to loans | 2.1534% | 2,230 |
| Net loans and leases to total assets | 45.9354% | 5,541 |
| Net loans and leases to deposits | 56.0995% | 5,332 |
| Net loans and leases to core deposits | 61.2513% | 5,159 |
| Total domestic deposits to total assets | 81.8819% | 5,092 |
| Equity capital to assets | 14.2201% | 900 |
| Core capital (leverage) ratio | 13.5557% | 956 |
| Tier 1 risk-based capital ratio | 24.0177% | 996 |
| Total risk-based capital ratio | 26.0722% | 879 |
| Memoranda: | ||
| Average total assets | $146,268,670 | 3,833 |
| Average earning assets | $129,899,000 | 3,906 |
| Average equity | $21,095,330 | 3,087 |
| Average total loans | $70,704,330 | 4,285 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 3,538 |
| Cost of funding earning assets | 0.5722% | 3,359 |
| Net interest margin | 3.5718% | 3,377 |
| Noninterest income to average assets | 0.9549% | 1,593 |
| Noninterest expense to average assets | 3.3820% | 1,869 |
| Loan and lease loss provision to assets | 0.0821% | 3,281 |
| Net operating income to assets | 0.6676% | 3,861 |
| Return on assets (ROA) | 0.7607% | 3,519 |
| Pretax return on assets | 0.7607% | 4,328 |
| Return on Equity (ROE) | 5.2375% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.2375% | 3,090 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8543% | 2,054 |
| Assets per employee ($millions) | 3.2077% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,493 |
| Loan loss allowance to noncurrent loans | 89.4882% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.9813% | 2,365 |
| Noncurrent loans to loans | 2.0528% | 2,562 |
| Net loans and leases to total assets | 45.8637% | 5,451 |
| Net loans and leases to deposits | 55.9281% | 5,253 |
| Net loans and leases to core deposits | 61.1675% | 5,034 |
| Total domestic deposits to total assets | 82.0047% | 5,186 |
| Equity capital to assets | 14.1097% | 996 |
| Core capital (leverage) ratio | 13.8979% | 824 |
| Tier 1 risk-based capital ratio | 23.2100% | 1,122 |
| Total risk-based capital ratio | 25.2305% | 996 |
| Memoranda: | ||
| Average total assets | $146,186,000 | 3,875 |
| Average earning assets | $130,018,500 | 3,940 |
| Average equity | $21,231,500 | 3,107 |
| Average total loans | $71,762,000 | 4,278 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 3,571 |
| Cost of funding earning assets | 0.6947% | 3,535 |
| Net interest margin | 3.7652% | 3,374 |
| Noninterest income to average assets | 0.8485% | 2,049 |
| Noninterest expense to average assets | 3.2807% | 2,396 |
| Loan and lease loss provision to assets | 0.1002% | 4,388 |
| Net operating income to assets | 0.8195% | 3,189 |
| Return on assets (ROA) | 0.8381% | 3,356 |
| Pretax return on assets | 0.8381% | 4,156 |
| Return on Equity (ROE) | 5.6632% | 4,333 |
| Retained earnings to average equity (ytd only) | 0.7610% | 5,481 |
| Net charge-offs to loans | 0.0702% | 4,980 |
| Credit loss provision to net charge-offs | 290.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 26.6200% | 1,092 |
| Efficiency ratio | 78.1050% | 2,432 |
| Assets per employee ($millions) | 3.0130% | 5,997 |
| Cash dividends to net income (ytd only)* | 86.5622% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 2,820 |
| Loan loss allowance to noncurrent loans | 88.7018% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 2.1644% | 2,269 |
| Noncurrent loans to loans | 1.9498% | 2,748 |
| Net loans and leases to total assets | 50.7175% | 5,073 |
| Net loans and leases to deposits | 62.9407% | 4,667 |
| Net loans and leases to core deposits | 68.7065% | 4,460 |
| Total domestic deposits to total assets | 80.5798% | 5,517 |
| Equity capital to assets | 14.9643% | 746 |
| Core capital (leverage) ratio | 13.7528% | 874 |
| Tier 1 risk-based capital ratio | 22.8730% | 1,129 |
| Total risk-based capital ratio | 24.1256% | 1,113 |
| Memoranda: | ||
| Average total assets | $144,726,400 | 3,867 |
| Average earning assets | $128,837,600 | 3,927 |
| Average equity | $21,418,800 | 3,049 |
| Average total loans | $71,186,800 | 4,313 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 3,794 |
| Cost of funding earning assets | 0.7116% | 3,666 |
| Net interest margin | 3.7450% | 3,581 |
| Noninterest income to average assets | 1.0089% | 1,481 |
| Noninterest expense to average assets | 3.2080% | 2,543 |
| Loan and lease loss provision to assets | 0.1054% | 4,253 |
| Net operating income to assets | 1.0327% | 2,357 |
| Return on assets (ROA) | 1.0556% | 2,479 |
| Pretax return on assets | 1.0556% | 3,514 |
| Return on Equity (ROE) | 7.1521% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.6377% | 3,629 |
| Net charge-offs to loans | 0.0886% | 4,492 |
| Credit loss provision to net charge-offs | 244.6809% | 1,131 |
| Earnings coverage of net charge-offs (x) | 26.4235% | 1,215 |
| Efficiency ratio | 73.8140% | 3,022 |
| Assets per employee ($millions) | 3.2331% | 5,577 |
| Cash dividends to net income (ytd only)* | 35.1565% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 3,101 |
| Loan loss allowance to noncurrent loans | 76.2169% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.4565% | 2,155 |
| Noncurrent loans to loans | 2.2485% | 2,555 |
| Net loans and leases to total assets | 48.7625% | 5,457 |
| Net loans and leases to deposits | 60.7978% | 5,111 |
| Net loans and leases to core deposits | 66.5070% | 4,899 |
| Total domestic deposits to total assets | 80.2043% | 5,599 |
| Equity capital to assets | 15.1728% | 785 |
| Core capital (leverage) ratio | 14.0443% | 827 |
| Tier 1 risk-based capital ratio | 23.4332% | 1,107 |
| Total risk-based capital ratio | 24.6857% | 1,085 |
| Memoranda: | ||
| Average total assets | $145,505,500 | 3,892 |
| Average earning assets | $129,663,500 | 3,947 |
| Average equity | $21,475,750 | 3,068 |
| Average total loans | $70,712,250 | 4,375 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 3,803 |
| Cost of funding earning assets | 0.7329% | 3,737 |
| Net interest margin | 3.7598% | 3,541 |
| Noninterest income to average assets | 1.0144% | 1,425 |
| Noninterest expense to average assets | 3.2218% | 2,519 |
| Loan and lease loss provision to assets | 0.1168% | 4,060 |
| Net operating income to assets | 1.0322% | 2,330 |
| Return on assets (ROA) | 1.0350% | 2,541 |
| Pretax return on assets | 1.0350% | 3,580 |
| Return on Equity (ROE) | 7.0784% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.2713% | 4,437 |
| Net charge-offs to loans | 0.1851% | 3,473 |
| Credit loss provision to net charge-offs | 130.7692% | 2,096 |
| Earnings coverage of net charge-offs (x) | 12.8615% | 1,842 |
| Efficiency ratio | 73.7107% | 3,120 |
| Assets per employee ($millions) | 3.2414% | 5,575 |
| Cash dividends to net income (ytd only)* | 53.7849% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 3,210 |
| Loan loss allowance to noncurrent loans | 91.2510% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 2.2659% | 2,472 |
| Noncurrent loans to loans | 1.8675% | 3,123 |
| Net loans and leases to total assets | 47.0208% | 5,724 |
| Net loans and leases to deposits | 57.9613% | 5,455 |
| Net loans and leases to core deposits | 63.4488% | 5,266 |
| Total domestic deposits to total assets | 81.1245% | 5,425 |
| Equity capital to assets | 14.7558% | 845 |
| Core capital (leverage) ratio | 13.6372% | 924 |
| Tier 1 risk-based capital ratio | 23.3108% | 1,094 |
| Total risk-based capital ratio | 24.5630% | 1,075 |
| Memoranda: | ||
| Average total assets | $145,510,330 | 3,912 |
| Average earning assets | $129,899,330 | 3,964 |
| Average equity | $21,276,000 | 3,079 |
| Average total loans | $70,222,330 | 4,411 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 3,839 |
| Cost of funding earning assets | 0.7446% | 3,910 |
| Net interest margin | 3.7751% | 3,495 |
| Noninterest income to average assets | 0.9413% | 1,594 |
| Noninterest expense to average assets | 3.3137% | 2,248 |
| Loan and lease loss provision to assets | 0.1239% | 3,796 |
| Net operating income to assets | 0.8807% | 3,015 |
| Return on assets (ROA) | 0.8807% | 3,236 |
| Pretax return on assets | 0.8807% | 4,106 |
| Return on Equity (ROE) | 6.0513% | 4,260 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,926 |
| Net charge-offs to loans | 0.3180% | 2,372 |
| Credit loss provision to net charge-offs | 80.3571% | 2,720 |
| Earnings coverage of net charge-offs (x) | 6.5179% | 2,195 |
| Efficiency ratio | 76.7368% | 2,683 |
| Assets per employee ($millions) | 3.2969% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 3,565 |
| Loan loss allowance to noncurrent loans | 2,463.8298% | 193 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 3,802 |
| Noncurrent loans to loans | 0.0667% | 6,583 |
| Net loans and leases to total assets | 46.7272% | 5,705 |
| Net loans and leases to deposits | 57.3982% | 5,448 |
| Net loans and leases to core deposits | 61.8520% | 5,342 |
| Total domestic deposits to total assets | 81.4089% | 5,494 |
| Equity capital to assets | 14.3919% | 895 |
| Core capital (leverage) ratio | 13.7097% | 875 |
| Tier 1 risk-based capital ratio | 23.5800% | 1,057 |
| Total risk-based capital ratio | 24.8318% | 1,043 |
| Memoranda: | ||
| Average total assets | $145,335,000 | 3,950 |
| Average earning assets | $130,010,500 | 3,987 |
| Average equity | $21,152,500 | 3,091 |
| Average total loans | $70,446,500 | 4,432 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 4,241 |
| Cost of funding earning assets | 0.8612% | 4,383 |
| Net interest margin | 3.8400% | 3,627 |
| Noninterest income to average assets | 1.0173% | 1,316 |
| Noninterest expense to average assets | 3.5205% | 1,935 |
| Loan and lease loss provision to assets | 0.4937% | 2,135 |
| Net operating income to assets | 0.4371% | 4,702 |
| Return on assets (ROA) | 0.4539% | 4,831 |
| Pretax return on assets | 0.4539% | 5,116 |
| Return on Equity (ROE) | 3.0961% | 5,248 |
| Retained earnings to average equity (ytd only) | 0.2382% | 5,718 |
| Net charge-offs to loans | 1.1485% | 1,482 |
| Credit loss provision to net charge-offs | 85.8010% | 4,207 |
| Earnings coverage of net charge-offs (x) | 1.6177% | 4,561 |
| Efficiency ratio | 79.0902% | 2,428 |
| Assets per employee ($millions) | 2.6851% | 6,627 |
| Cash dividends to net income (ytd only)* | 92.3077% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,333 |
| Loan loss allowance to noncurrent loans | 201.5517% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 3,814 |
| Noncurrent loans to loans | 0.8237% | 5,040 |
| Net loans and leases to total assets | 48.6554% | 5,760 |
| Net loans and leases to deposits | 59.8562% | 5,500 |
| Net loans and leases to core deposits | 64.3570% | 5,432 |
| Total domestic deposits to total assets | 81.2872% | 5,365 |
| Equity capital to assets | 14.7236% | 841 |
| Core capital (leverage) ratio | 13.6872% | 903 |
| Tier 1 risk-based capital ratio | 23.4355% | 1,041 |
| Total risk-based capital ratio | 24.6869% | 1,020 |
| Memoranda: | ||
| Average total assets | $143,218,600 | 3,927 |
| Average earning assets | $128,074,200 | 3,967 |
| Average equity | $20,994,200 | 3,012 |
| Average total loans | $71,745,800 | 4,421 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 4,964 |
| Cost of funding earning assets | 0.8879% | 4,486 |
| Net interest margin | 3.6889% | 4,390 |
| Noninterest income to average assets | 1.1656% | 969 |
| Noninterest expense to average assets | 3.3889% | 2,219 |
| Loan and lease loss provision to assets | 0.2807% | 3,277 |
| Net operating income to assets | 0.7938% | 3,193 |
| Return on assets (ROA) | 0.8161% | 3,244 |
| Pretax return on assets | 0.8161% | 4,064 |
| Return on Equity (ROE) | 5.5733% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.0977% | 4,480 |
| Net charge-offs to loans | 0.5105% | 2,718 |
| Credit loss provision to net charge-offs | 109.4203% | 3,019 |
| Earnings coverage of net charge-offs (x) | 4.1884% | 3,150 |
| Efficiency ratio | 75.9267% | 2,855 |
| Assets per employee ($millions) | 2.7176% | 6,627 |
| Cash dividends to net income (ytd only)* | 44.4193% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 2,678 |
| Loan loss allowance to noncurrent loans | 105.8918% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.6871% | 3,553 |
| Noncurrent loans to loans | 1.7743% | 3,675 |
| Net loans and leases to total assets | 47.5724% | 6,004 |
| Net loans and leases to deposits | 58.6409% | 5,785 |
| Net loans and leases to core deposits | 63.3321% | 5,690 |
| Total domestic deposits to total assets | 81.1249% | 5,392 |
| Equity capital to assets | 14.8954% | 879 |
| Core capital (leverage) ratio | 13.9231% | 917 |
| Tier 1 risk-based capital ratio | 24.2427% | 988 |
| Total risk-based capital ratio | 25.4972% | 971 |
| Memoranda: | ||
| Average total assets | $143,446,000 | 3,934 |
| Average earning assets | $128,237,500 | 3,990 |
| Average equity | $21,004,500 | 3,006 |
| Average total loans | $72,079,750 | 4,455 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 4,933 |
| Cost of funding earning assets | 0.9239% | 4,490 |
| Net interest margin | 3.6833% | 4,344 |
| Noninterest income to average assets | 1.1574% | 958 |
| Noninterest expense to average assets | 3.4625% | 2,085 |
| Loan and lease loss provision to assets | 0.3421% | 2,734 |
| Net operating income to assets | 0.6422% | 3,841 |
| Return on assets (ROA) | 0.6422% | 3,964 |
| Pretax return on assets | 0.6422% | 4,602 |
| Return on Equity (ROE) | 4.4115% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.6713% | 5,586 |
| Net charge-offs to loans | 0.6618% | 2,186 |
| Credit loss provision to net charge-offs | 101.6598% | 3,053 |
| Earnings coverage of net charge-offs (x) | 2.9253% | 3,388 |
| Efficiency ratio | 77.8650% | 2,736 |
| Assets per employee ($millions) | 2.6646% | 6,686 |
| Cash dividends to net income (ytd only)* | 84.7826% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 3,093 |
| Loan loss allowance to noncurrent loans | 67.9305% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.1475% | 3,053 |
| Noncurrent loans to loans | 2.6058% | 2,769 |
| Net loans and leases to total assets | 49.7515% | 5,854 |
| Net loans and leases to deposits | 61.3912% | 5,567 |
| Net loans and leases to core deposits | 66.2193% | 5,487 |
| Total domestic deposits to total assets | 81.0402% | 5,512 |
| Equity capital to assets | 14.5543% | 921 |
| Core capital (leverage) ratio | 13.4918% | 997 |
| Tier 1 risk-based capital ratio | 22.7683% | 1,154 |
| Total risk-based capital ratio | 24.0215% | 1,135 |
| Memoranda: | ||
| Average total assets | $143,251,000 | 3,972 |
| Average earning assets | $127,930,000 | 4,032 |
| Average equity | $20,854,670 | 3,020 |
| Average total loans | $72,829,330 | 4,473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 4,767 |
| Cost of funding earning assets | 0.9639% | 4,468 |
| Net interest margin | 3.6802% | 4,202 |
| Noninterest income to average assets | 1.1614% | 958 |
| Noninterest expense to average assets | 3.5513% | 1,872 |
| Loan and lease loss provision to assets | 0.1399% | 4,254 |
| Net operating income to assets | 0.7612% | 3,214 |
| Return on assets (ROA) | 0.7612% | 3,280 |
| Pretax return on assets | 0.7612% | 4,054 |
| Return on Equity (ROE) | 5.2280% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.2280% | 3,045 |
| Net charge-offs to loans | 1.0109% | 1,351 |
| Credit loss provision to net charge-offs | 27.1739% | 4,163 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 3,428 |
| Efficiency ratio | 79.7612% | 2,575 |
| Assets per employee ($millions) | 2.7030% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 3,709 |
| Loan loss allowance to noncurrent loans | 80.8421% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.7923% | 3,585 |
| Noncurrent loans to loans | 1.9842% | 3,593 |
| Net loans and leases to total assets | 48.4129% | 6,032 |
| Net loans and leases to deposits | 59.2128% | 5,799 |
| Net loans and leases to core deposits | 62.4102% | 5,891 |
| Total domestic deposits to total assets | 81.7609% | 5,406 |
| Equity capital to assets | 14.3655% | 915 |
| Core capital (leverage) ratio | 13.8391% | 887 |
| Tier 1 risk-based capital ratio | 22.5384% | 1,141 |
| Total risk-based capital ratio | 23.7891% | 1,118 |
| Memoranda: | ||
| Average total assets | $142,932,000 | 4,015 |
| Average earning assets | $127,820,500 | 4,065 |
| Average equity | $20,811,000 | 3,006 |
| Average total loans | $72,805,500 | 4,520 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 4,433 |
| Cost of funding earning assets | 1.1707% | 4,724 |
| Net interest margin | 3.8539% | 3,720 |
| Noninterest income to average assets | 1.0175% | 1,450 |
| Noninterest expense to average assets | 3.7247% | 1,645 |
| Loan and lease loss provision to assets | 0.0997% | 6,147 |
| Net operating income to assets | 0.6601% | 3,388 |
| Return on assets (ROA) | 0.7241% | 3,258 |
| Pretax return on assets | 0.7241% | 3,890 |
| Return on Equity (ROE) | 4.8215% | 4,150 |
| Retained earnings to average equity (ytd only) | -0.7728% | 5,763 |
| Net charge-offs to loans | 0.4430% | 3,846 |
| Credit loss provision to net charge-offs | 42.4242% | 6,351 |
| Earnings coverage of net charge-offs (x) | 3.2333% | 3,459 |
| Efficiency ratio | 83.0581% | 2,047 |
| Assets per employee ($millions) | 2.5908% | 6,875 |
| Cash dividends to net income (ytd only)* | 116.0275% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 3,061 |
| Loan loss allowance to noncurrent loans | 120.6379% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6419% | 3,843 |
| Noncurrent loans to loans | 1.4445% | 4,316 |
| Net loans and leases to total assets | 51.8281% | 5,933 |
| Net loans and leases to deposits | 63.9782% | 5,630 |
| Net loans and leases to core deposits | 66.3431% | 5,840 |
| Total domestic deposits to total assets | 81.0090% | 5,521 |
| Equity capital to assets | 14.7631% | 845 |
| Core capital (leverage) ratio | 13.7833% | 904 |
| Tier 1 risk-based capital ratio | 22.5372% | 1,101 |
| Total risk-based capital ratio | 23.7902% | 1,085 |
| Memoranda: | ||
| Average total assets | $140,442,600 | 4,047 |
| Average earning assets | $126,338,800 | 4,097 |
| Average equity | $21,093,000 | 2,993 |
| Average total loans | $74,489,800 | 4,508 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 4,721 |
| Cost of funding earning assets | 1.1981% | 4,872 |
| Net interest margin | 3.8206% | 3,884 |
| Noninterest income to average assets | 1.0243% | 1,397 |
| Noninterest expense to average assets | 3.6202% | 1,743 |
| Loan and lease loss provision to assets | 0.0901% | 6,140 |
| Net operating income to assets | 0.7559% | 3,194 |
| Return on assets (ROA) | 0.8441% | 2,959 |
| Pretax return on assets | 0.8441% | 3,759 |
| Return on Equity (ROE) | 5.5966% | 4,007 |
| Retained earnings to average equity (ytd only) | 0.6917% | 5,525 |
| Net charge-offs to loans | 0.2839% | 4,242 |
| Credit loss provision to net charge-offs | 59.7484% | 5,695 |
| Earnings coverage of net charge-offs (x) | 5.6102% | 2,708 |
| Efficiency ratio | 81.0575% | 2,197 |
| Assets per employee ($millions) | 2.6578% | 6,838 |
| Cash dividends to net income (ytd only)* | 87.6399% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,439 |
| Loan loss allowance to noncurrent loans | 58.0353% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.7384% | 3,834 |
| Noncurrent loans to loans | 3.2958% | 2,401 |
| Net loans and leases to total assets | 50.4533% | 6,279 |
| Net loans and leases to deposits | 62.4326% | 6,069 |
| Net loans and leases to core deposits | 65.3844% | 6,172 |
| Total domestic deposits to total assets | 80.8123% | 5,447 |
| Equity capital to assets | 14.7514% | 955 |
| Core capital (leverage) ratio | 13.8913% | 941 |
| Tier 1 risk-based capital ratio | 23.0107% | 1,072 |
| Total risk-based capital ratio | 24.2660% | 1,035 |
| Memoranda: | ||
| Average total assets | $140,577,500 | 4,097 |
| Average earning assets | $126,645,000 | 4,143 |
| Average equity | $21,202,750 | 3,022 |
| Average total loans | $74,663,500 | 4,579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 4,598 |
| Cost of funding earning assets | 1.2182% | 5,029 |
| Net interest margin | 3.8548% | 3,658 |
| Noninterest income to average assets | 1.0358% | 1,264 |
| Noninterest expense to average assets | 3.6706% | 1,622 |
| Loan and lease loss provision to assets | 0.0860% | 6,068 |
| Net operating income to assets | 0.7522% | 3,191 |
| Return on assets (ROA) | 0.7651% | 3,276 |
| Pretax return on assets | 0.7651% | 4,004 |
| Return on Equity (ROE) | 5.0346% | 4,271 |
| Retained earnings to average equity (ytd only) | -0.0566% | 5,745 |
| Net charge-offs to loans | 0.0881% | 5,253 |
| Credit loss provision to net charge-offs | 181.8182% | 2,161 |
| Earnings coverage of net charge-offs (x) | 17.7273% | 1,320 |
| Efficiency ratio | 81.4109% | 2,243 |
| Assets per employee ($millions) | 2.6417% | 6,876 |
| Cash dividends to net income (ytd only)* | 101.1236% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 2,075 |
| Loan loss allowance to noncurrent loans | 70.8628% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.5303% | 4,167 |
| Noncurrent loans to loans | 2.8895% | 2,765 |
| Net loans and leases to total assets | 50.4031% | 6,386 |
| Net loans and leases to deposits | 62.7042% | 6,169 |
| Net loans and leases to core deposits | 63.0003% | 6,480 |
| Total domestic deposits to total assets | 80.3823% | 5,600 |
| Equity capital to assets | 14.8298% | 918 |
| Core capital (leverage) ratio | 13.8751% | 956 |
| Tier 1 risk-based capital ratio | 23.0692% | 1,065 |
| Total risk-based capital ratio | 24.3251% | 1,037 |
| Memoranda: | ||
| Average total assets | $139,597,000 | 4,145 |
| Average earning assets | $125,764,000 | 4,188 |
| Average equity | $21,213,330 | 3,013 |
| Average total loans | $74,944,000 | 4,606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 4,112 |
| Cost of funding earning assets | 1.2364% | 5,195 |
| Net interest margin | 3.9476% | 3,115 |
| Noninterest income to average assets | 0.9792% | 1,365 |
| Noninterest expense to average assets | 3.7401% | 1,434 |
| Loan and lease loss provision to assets | 0.0869% | 5,769 |
| Net operating income to assets | 0.7040% | 3,425 |
| Return on assets (ROA) | 0.7040% | 3,534 |
| Pretax return on assets | 0.7040% | 4,218 |
| Return on Equity (ROE) | 4.5757% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.5757% | 3,401 |
| Net charge-offs to loans | 0.1532% | 4,013 |
| Credit loss provision to net charge-offs | 103.4483% | 3,303 |
| Earnings coverage of net charge-offs (x) | 9.4138% | 1,856 |
| Efficiency ratio | 82.5448% | 2,202 |
| Assets per employee ($millions) | 2.6131% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 2,289 |
| Loan loss allowance to noncurrent loans | 71.6295% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.4819% | 4,290 |
| Noncurrent loans to loans | 2.7324% | 2,919 |
| Net loans and leases to total assets | 52.4340% | 6,226 |
| Net loans and leases to deposits | 65.2463% | 5,903 |
| Net loans and leases to core deposits | 65.5556% | 6,324 |
| Total domestic deposits to total assets | 80.3631% | 5,663 |
| Equity capital to assets | 15.1311% | 846 |
| Core capital (leverage) ratio | 14.4370% | 866 |
| Tier 1 risk-based capital ratio | 22.1750% | 1,182 |
| Total risk-based capital ratio | 23.4295% | 1,158 |
| Memoranda: | ||
| Average total assets | $138,069,500 | 4,229 |
| Average earning assets | $124,228,500 | 4,278 |
| Average equity | $21,242,500 | 3,040 |
| Average total loans | $75,714,000 | 4,645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6474% | 3,362 |
| Cost of funding earning assets | 1.5394% | 5,341 |
| Net interest margin | 4.1081% | 2,415 |
| Noninterest income to average assets | 0.8403% | 2,226 |
| Noninterest expense to average assets | 3.4476% | 2,536 |
| Loan and lease loss provision to assets | 0.4003% | 4,412 |
| Net operating income to assets | 0.7078% | 2,899 |
| Return on assets (ROA) | 0.8254% | 2,522 |
| Pretax return on assets | 0.8254% | 3,167 |
| Return on Equity (ROE) | 5.5742% | 3,391 |
| Retained earnings to average equity (ytd only) | 0.3110% | 4,735 |
| Net charge-offs to loans | 0.0780% | 6,330 |
| Credit loss provision to net charge-offs | 957.6271% | 306 |
| Earnings coverage of net charge-offs (x) | 26.5085% | 853 |
| Efficiency ratio | 75.6765% | 3,580 |
| Assets per employee ($millions) | 2.5006% | 7,205 |
| Cash dividends to net income (ytd only)* | 94.4206% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 2,160 |
| Loan loss allowance to noncurrent loans | 69.5898% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5922% | 3,986 |
| Noncurrent loans to loans | 2.7921% | 2,763 |
| Net loans and leases to total assets | 55.1625% | 6,064 |
| Net loans and leases to deposits | 69.0302% | 5,722 |
| Net loans and leases to core deposits | 84.7425% | 5,651 |
| Total domestic deposits to total assets | 79.9107% | 5,696 |
| Equity capital to assets | 15.6511% | 757 |
| Core capital (leverage) ratio | 14.3678% | 912 |
| Tier 1 risk-based capital ratio | 22.1813% | 1,128 |
| Total risk-based capital ratio | 23.4369% | 1,105 |
| Memoranda: | ||
| Average total assets | $141,141,600 | 4,098 |
| Average earning assets | $127,650,600 | 4,143 |
| Average equity | $20,899,800 | 3,084 |
| Average total loans | $75,664,600 | 4,666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 3,406 |
| Cost of funding earning assets | 1.6032% | 5,385 |
| Net interest margin | 4.0833% | 2,467 |
| Noninterest income to average assets | 0.8159% | 2,354 |
| Noninterest expense to average assets | 3.3055% | 2,899 |
| Loan and lease loss provision to assets | 0.3224% | 4,407 |
| Net operating income to assets | 0.8822% | 2,490 |
| Return on assets (ROA) | 1.0373% | 2,007 |
| Pretax return on assets | 1.0373% | 2,785 |
| Return on Equity (ROE) | 7.1011% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.9024% | 3,112 |
| Net charge-offs to loans | 0.1005% | 5,664 |
| Credit loss provision to net charge-offs | 605.2632% | 628 |
| Earnings coverage of net charge-offs (x) | 22.6134% | 1,150 |
| Efficiency ratio | 73.2905% | 3,996 |
| Assets per employee ($millions) | 2.6954% | 6,862 |
| Cash dividends to net income (ytd only)* | 45.0451% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 2,839 |
| Loan loss allowance to noncurrent loans | 58.5934% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.5618% | 4,019 |
| Noncurrent loans to loans | 2.8032% | 2,707 |
| Net loans and leases to total assets | 54.8019% | 6,295 |
| Net loans and leases to deposits | 68.6502% | 6,070 |
| Net loans and leases to core deposits | 88.9128% | 5,540 |
| Total domestic deposits to total assets | 79.8277% | 5,511 |
| Equity capital to assets | 15.7021% | 851 |
| Core capital (leverage) ratio | 14.2408% | 1,024 |
| Tier 1 risk-based capital ratio | 22.5673% | 1,165 |
| Total risk-based capital ratio | 23.8191% | 1,139 |
| Memoranda: | ||
| Average total assets | $142,669,000 | 4,083 |
| Average earning assets | $129,075,000 | 4,123 |
| Average equity | $20,841,250 | 3,120 |
| Average total loans | $75,590,000 | 4,711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 3,899 |
| Cost of funding earning assets | 1.6696% | 5,425 |
| Net interest margin | 3.9629% | 2,852 |
| Noninterest income to average assets | 0.8019% | 2,399 |
| Noninterest expense to average assets | 3.3019% | 2,951 |
| Loan and lease loss provision to assets | 0.1247% | 5,863 |
| Net operating income to assets | 0.9750% | 2,194 |
| Return on assets (ROA) | 1.0415% | 2,044 |
| Pretax return on assets | 1.0415% | 2,838 |
| Return on Equity (ROE) | 7.3033% | 3,061 |
| Retained earnings to average equity (ytd only) | 2.4474% | 3,973 |
| Net charge-offs to loans | 0.2418% | 3,983 |
| Credit loss provision to net charge-offs | 98.9011% | 4,649 |
| Earnings coverage of net charge-offs (x) | 8.7253% | 2,222 |
| Efficiency ratio | 75.0157% | 3,871 |
| Assets per employee ($millions) | 2.8942% | 6,405 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,522 |
| Loan loss allowance to noncurrent loans | 605.6250% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 7,173 |
| Noncurrent loans to loans | 0.2084% | 6,993 |
| Net loans and leases to total assets | 52.3948% | 6,633 |
| Net loans and leases to deposits | 64.3115% | 6,535 |
| Net loans and leases to core deposits | 82.9132% | 6,168 |
| Total domestic deposits to total assets | 81.4704% | 4,906 |
| Equity capital to assets | 14.3260% | 1,217 |
| Core capital (leverage) ratio | 13.6938% | 1,212 |
| Tier 1 risk-based capital ratio | 21.7512% | 1,288 |
| Total risk-based capital ratio | 22.8129% | 1,285 |
| Memoranda: | ||
| Average total assets | $144,403,330 | 4,095 |
| Average earning assets | $131,167,330 | 4,115 |
| Average equity | $20,593,330 | 3,163 |
| Average total loans | $75,256,000 | 4,765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6226% | 4,223 |
| Cost of funding earning assets | 1.7472% | 5,370 |
| Net interest margin | 3.8755% | 3,163 |
| Noninterest income to average assets | 0.7903% | 2,382 |
| Noninterest expense to average assets | 3.1972% | 2,995 |
| Loan and lease loss provision to assets | 0.1109% | 5,543 |
| Net operating income to assets | 1.0066% | 2,281 |
| Return on assets (ROA) | 1.0177% | 2,374 |
| Pretax return on assets | 1.0177% | 3,277 |
| Return on Equity (ROE) | 7.1524% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.1524% | 2,156 |
| Net charge-offs to loans | 0.0215% | 5,255 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 100.7500% | 430 |
| Efficiency ratio | 74.1003% | 3,810 |
| Assets per employee ($millions) | 2.9103% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 3,865 |
| Loan loss allowance to noncurrent loans | 217.2786% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 6,559 |
| Noncurrent loans to loans | 0.6161% | 5,857 |
| Net loans and leases to total assets | 50.9538% | 6,771 |
| Net loans and leases to deposits | 62.5230% | 6,690 |
| Net loans and leases to core deposits | 80.5917% | 6,341 |
| Total domestic deposits to total assets | 81.4962% | 4,747 |
| Equity capital to assets | 14.3675% | 1,262 |
| Core capital (leverage) ratio | 13.7424% | 1,253 |
| Tier 1 risk-based capital ratio | 22.1253% | 1,288 |
| Total risk-based capital ratio | 23.2402% | 1,275 |
| Memoranda: | ||
| Average total assets | $144,250,500 | 4,109 |
| Average earning assets | $131,184,000 | 4,129 |
| Average equity | $20,524,500 | 3,183 |
| Average total loans | $74,489,500 | 4,824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3364% | 3,753 |
| Cost of funding earning assets | 2.3632% | 4,881 |
| Net interest margin | 3.9732% | 3,250 |
| Noninterest income to average assets | 0.8844% | 2,034 |
| Noninterest expense to average assets | 3.2983% | 2,964 |
| Loan and lease loss provision to assets | 0.0710% | 6,511 |
| Net operating income to assets | 1.1125% | 2,095 |
| Return on assets (ROA) | 1.1522% | 1,860 |
| Pretax return on assets | 1.1522% | 2,828 |
| Return on Equity (ROE) | 8.2023% | 2,979 |
| Retained earnings to average equity (ytd only) | 1.2238% | 4,493 |
| Net charge-offs to loans | 0.1677% | 4,520 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 13.8833% | 2,096 |
| Efficiency ratio | 73.5933% | 3,645 |
| Assets per employee ($millions) | 2.8597% | 6,412 |
| Cash dividends to net income (ytd only)* | 85.0801% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 3,684 |
| Loan loss allowance to noncurrent loans | 1,227.8481% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,355 |
| Noncurrent loans to loans | 0.1070% | 7,092 |
| Net loans and leases to total assets | 50.9543% | 6,938 |
| Net loans and leases to deposits | 62.4070% | 6,914 |
| Net loans and leases to core deposits | 80.1587% | 6,601 |
| Total domestic deposits to total assets | 81.6484% | 4,343 |
| Equity capital to assets | 14.0868% | 1,401 |
| Core capital (leverage) ratio | 13.6403% | 1,349 |
| Tier 1 risk-based capital ratio | 22.2449% | 1,286 |
| Total risk-based capital ratio | 23.3451% | 1,268 |
| Memoranda: | ||
| Average total assets | $140,769,200 | 4,066 |
| Average earning assets | $127,453,400 | 4,099 |
| Average equity | $19,775,000 | 3,267 |
| Average total loans | $71,538,200 | 4,807 |