Home > The Bank of Jackson > Performance and Condition Ratios
The Bank of Jackson, 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 | 3.6272% | 4,333 |
| Cost of funding earning assets | 1.4944% | 1,959 |
| Net interest margin | 2.1329% | 4,355 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.6567% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4165% | 3,834 |
| Return on assets (ROA) | 0.4105% | 3,846 |
| Pretax return on assets | 0.5012% | 3,806 |
| Return on Equity (ROE) | 5.9100% | 3,535 |
| Retained earnings to average equity (ytd only) | 1.5768% | 3,687 |
| Net charge-offs to loans | 0.0472% | 1,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 1,411 |
| Efficiency ratio | 76.5138% | 1,208 |
| Assets per employee ($millions) | 11.2420% | 501 |
| Cash dividends to net income (ytd only)* | 73.2984% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 592 |
| Loan loss allowance to noncurrent loans | 2,413.3333% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,600 |
| Noncurrent loans to loans | 0.0725% | 3,200 |
| Net loans and leases to total assets | 27.1200% | 4,337 |
| Net loans and leases to deposits | 32.1280% | 4,332 |
| Net loans and leases to core deposits | 38.0509% | 4,315 |
| Total domestic deposits to total assets | 84.4000% | 2,502 |
| Equity capital to assets | 7.7802% | 3,558 |
| Core capital (leverage) ratio | 9.5978% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0801% | 1,513 |
| Memoranda: | ||
| Average total assets | $232,634,200 | 2,775 |
| Average earning assets | $218,017,200 | 2,754 |
| Average equity | $16,171,800 | 3,167 |
| Average total loans | $59,336,200 | 3,718 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 4,331 |
| Cost of funding earning assets | 1.3998% | 1,868 |
| Net interest margin | 2.1716% | 4,368 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.6477% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4544% | 3,856 |
| Return on assets (ROA) | 0.4558% | 3,853 |
| Pretax return on assets | 0.5542% | 3,818 |
| Return on Equity (ROE) | 6.7500% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.7500% | 2,376 |
| Net charge-offs to loans | 0.0250% | 1,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 88.3636% | 986 |
| Efficiency ratio | 74.8902% | 1,279 |
| Assets per employee ($millions) | 10.5658% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 481 |
| Loan loss allowance to noncurrent loans | 2,623.8095% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,643 |
| Noncurrent loans to loans | 0.0721% | 3,240 |
| Net loans and leases to total assets | 25.7800% | 4,384 |
| Net loans and leases to deposits | 30.4241% | 4,373 |
| Net loans and leases to core deposits | 36.4572% | 4,322 |
| Total domestic deposits to total assets | 84.7200% | 2,590 |
| Equity capital to assets | 6.8884% | 3,669 |
| Core capital (leverage) ratio | 9.6270% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4802% | 1,431 |
| Memoranda: | ||
| Average total assets | $234,583,000 | 2,779 |
| Average earning assets | $219,556,250 | 2,756 |
| Average equity | $15,841,500 | 3,186 |
| Average total loans | $58,656,500 | 3,733 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 4,380 |
| Cost of funding earning assets | 1.2581% | 1,830 |
| Net interest margin | 2.2021% | 4,422 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.6238% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4882% | 3,829 |
| Return on assets (ROA) | 0.5301% | 3,754 |
| Pretax return on assets | 0.6457% | 3,709 |
| Return on Equity (ROE) | 7.9000% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.8990% | 1,993 |
| Net charge-offs to loans | -0.0068% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.1974% | 1,438 |
| Assets per employee ($millions) | 10.9527% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 482 |
| Loan loss allowance to noncurrent loans | 1,920.6897% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,540 |
| Noncurrent loans to loans | 0.1001% | 2,989 |
| Net loans and leases to total assets | 24.7100% | 4,411 |
| Net loans and leases to deposits | 29.3802% | 4,405 |
| Net loans and leases to core deposits | 34.3971% | 4,357 |
| Total domestic deposits to total assets | 84.1100% | 2,800 |
| Equity capital to assets | 7.1607% | 3,709 |
| Core capital (leverage) ratio | 9.3395% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3346% | 782 |
| Memoranda: | ||
| Average total assets | $238,817,000 | 2,759 |
| Average earning assets | $223,512,667 | 2,744 |
| Average equity | $16,027,333 | 3,184 |
| Average total loans | $58,778,000 | 3,739 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3107% | 4,428 |
| Cost of funding earning assets | 1.1053% | 1,737 |
| Net interest margin | 2.2054% | 4,495 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.6018% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4971% | 3,909 |
| Return on assets (ROA) | 0.5740% | 3,706 |
| Pretax return on assets | 0.6973% | 3,668 |
| Return on Equity (ROE) | 8.8300% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.8321% | 1,996 |
| Net charge-offs to loans | -0.0135% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.6324% | 1,480 |
| Assets per employee ($millions) | 11.7961% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 505 |
| Loan loss allowance to noncurrent loans | 1,429.4872% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,452 |
| Noncurrent loans to loans | 0.1346% | 2,834 |
| Net loans and leases to total assets | 24.0900% | 4,476 |
| Net loans and leases to deposits | 28.9642% | 4,464 |
| Net loans and leases to core deposits | 33.4070% | 4,405 |
| Total domestic deposits to total assets | 83.1800% | 3,260 |
| Equity capital to assets | 6.9667% | 3,848 |
| Core capital (leverage) ratio | 8.9567% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6990% | 1,209 |
| Memoranda: | ||
| Average total assets | $243,222,000 | 2,764 |
| Average earning assets | $227,265,000 | 2,758 |
| Average equity | $15,806,000 | 3,230 |
| Average total loans | $59,192,000 | 3,769 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8039% | 4,321 |
| Cost of funding earning assets | 0.4439% | 1,763 |
| Net interest margin | 2.3601% | 4,384 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.5458% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8238% | 3,242 |
| Return on assets (ROA) | 0.7403% | 3,448 |
| Pretax return on assets | 0.8015% | 3,620 |
| Return on Equity (ROE) | 10.1800% | 2,755 |
| Retained earnings to average equity (ytd only) | 6.2839% | 2,538 |
| Net charge-offs to loans | 0.0677% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 57.9737% | 1,277 |
| Efficiency ratio | 63.4053% | 2,577 |
| Assets per employee ($millions) | 11.9297% | 395 |
| Cash dividends to net income (ytd only)* | 38.2932% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 607 |
| Loan loss allowance to noncurrent loans | 1,739.0625% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 3,576 |
| Noncurrent loans to loans | 0.1059% | 3,007 |
| Net loans and leases to total assets | 23.6800% | 4,512 |
| Net loans and leases to deposits | 28.0337% | 4,501 |
| Net loans and leases to core deposits | 31.7201% | 4,456 |
| Total domestic deposits to total assets | 84.4600% | 3,113 |
| Equity capital to assets | 6.0577% | 4,070 |
| Core capital (leverage) ratio | 8.0040% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9383% | 1,134 |
| Memoranda: | ||
| Average total assets | $246,920,200 | 2,745 |
| Average earning assets | $233,850,200 | 2,709 |
| Average equity | $17,950,600 | 3,123 |
| Average total loans | $56,168,800 | 3,803 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6220% | 4,371 |
| Cost of funding earning assets | 0.2889% | 2,288 |
| Net interest margin | 2.3331% | 4,385 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.5511% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8021% | 3,257 |
| Return on assets (ROA) | 0.8021% | 3,214 |
| Pretax return on assets | 0.8427% | 3,488 |
| Return on Equity (ROE) | 10.5800% | 2,544 |
| Retained earnings to average equity (ytd only) | 10.5839% | 1,171 |
| Net charge-offs to loans | 0.0968% | 633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 38.8750% | 1,400 |
| Efficiency ratio | 64.7951% | 2,439 |
| Assets per employee ($millions) | 12.2913% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 681 |
| Loan loss allowance to noncurrent loans | 1,611.5942% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,663 |
| Noncurrent loans to loans | 0.1141% | 3,076 |
| Net loans and leases to total assets | 22.9900% | 4,560 |
| Net loans and leases to deposits | 26.4693% | 4,556 |
| Net loans and leases to core deposits | 30.2764% | 4,507 |
| Total domestic deposits to total assets | 86.8600% | 2,808 |
| Equity capital to assets | 5.3945% | 4,164 |
| Core capital (leverage) ratio | 8.6270% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8393% | 1,213 |
| Memoranda: | ||
| Average total assets | $246,019,500 | 2,770 |
| Average earning assets | $233,049,250 | 2,736 |
| Average equity | $18,644,250 | 3,103 |
| Average total loans | $55,104,000 | 3,830 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5035% | 4,368 |
| Cost of funding earning assets | 0.2266% | 2,558 |
| Net interest margin | 2.2769% | 4,352 |
| Noninterest income to average assets | 0.2355% | 3,766 |
| Noninterest expense to average assets | 1.5836% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7802% | 3,030 |
| Return on assets (ROA) | 0.7802% | 2,994 |
| Pretax return on assets | 0.8108% | 3,297 |
| Return on Equity (ROE) | 9.3384% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.3384% | 1,190 |
| Net charge-offs to loans | 0.1575% | 406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 23.3571% | 1,491 |
| Efficiency ratio | 66.1374% | 2,485 |
| Assets per employee ($millions) | 11.6355% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 21.3255% | 4,638 |
| Net loans and leases to deposits | 23.9400% | 4,643 |
| Net loans and leases to core deposits | 27.3938% | 4,610 |
| Total domestic deposits to total assets | 89.0790% | 2,148 |
| Equity capital to assets | 6.4883% | 4,026 |
| Core capital (leverage) ratio | 8.7947% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5548% | 1,060 |
| Memoranda: | ||
| Average total assets | $241,987,000 | 2,816 |
| Average earning assets | $229,438,333 | 2,800 |
| Average equity | $20,217,667 | 3,049 |
| Average total loans | $53,319,333 | 3,907 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4120% | 4,365 |
| Cost of funding earning assets | 0.2172% | 2,565 |
| Net interest margin | 2.1948% | 4,355 |
| Noninterest income to average assets | 0.2326% | 3,754 |
| Noninterest expense to average assets | 1.6013% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7093% | 3,022 |
| Return on assets (ROA) | 0.7093% | 3,007 |
| Pretax return on assets | 0.7126% | 3,356 |
| Return on Equity (ROE) | 7.6252% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.6252% | 1,693 |
| Net charge-offs to loans | -0.0075% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2032% | 2,344 |
| Assets per employee ($millions) | 11.5634% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1440% | 490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 21.6719% | 4,649 |
| Net loans and leases to deposits | 24.7794% | 4,655 |
| Net loans and leases to core deposits | 26.8883% | 4,637 |
| Total domestic deposits to total assets | 87.4592% | 2,758 |
| Equity capital to assets | 8.1163% | 3,479 |
| Core capital (leverage) ratio | 8.7573% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7160% | 1,100 |
| Memoranda: | ||
| Average total assets | $240,807,500 | 2,842 |
| Average earning assets | $228,360,000 | 2,825 |
| Average equity | $22,399,500 | 2,949 |
| Average total loans | $53,370,000 | 3,915 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7143% | 4,300 |
| Cost of funding earning assets | 0.2745% | 2,657 |
| Net interest margin | 2.4398% | 4,267 |
| Noninterest income to average assets | 0.3847% | 3,136 |
| Noninterest expense to average assets | 1.8040% | 4,138 |
| Loan and lease loss provision to assets | 0.0218% | 2,637 |
| Net operating income to assets | 0.8282% | 3,243 |
| Return on assets (ROA) | 0.9658% | 2,875 |
| Pretax return on assets | 1.0325% | 3,176 |
| Return on Equity (ROE) | 8.8268% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.8454% | 2,842 |
| Net charge-offs to loans | -0.0136% | 3,838 |
| Credit loss provision to net charge-offs | -625.0000% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5221% | 2,188 |
| Assets per employee ($millions) | 9.9493% | 676 |
| Cash dividends to net income (ytd only)* | 45.1060% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1733% | 464 |
| Loan loss allowance to noncurrent loans | 1,743.9394% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,851 |
| Noncurrent loans to loans | 0.1246% | 3,307 |
| Net loans and leases to total assets | 21.6974% | 4,700 |
| Net loans and leases to deposits | 25.6619% | 4,694 |
| Net loans and leases to core deposits | 27.5096% | 4,677 |
| Total domestic deposits to total assets | 84.5513% | 3,410 |
| Equity capital to assets | 10.5074% | 2,172 |
| Core capital (leverage) ratio | 8.9933% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9167% | 1,060 |
| Memoranda: | ||
| Average total assets | $229,550,600 | 2,849 |
| Average earning assets | $218,950,200 | 2,819 |
| Average equity | $25,116,600 | 2,838 |
| Average total loans | $59,010,800 | 3,831 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8064% | 4,294 |
| Cost of funding earning assets | 0.2908% | 2,679 |
| Net interest margin | 2.5156% | 4,246 |
| Noninterest income to average assets | 0.4019% | 3,072 |
| Noninterest expense to average assets | 1.7889% | 4,191 |
| Loan and lease loss provision to assets | 0.0295% | 2,409 |
| Net operating income to assets | 0.9153% | 3,201 |
| Return on assets (ROA) | 0.9857% | 3,043 |
| Pretax return on assets | 1.0596% | 3,301 |
| Return on Equity (ROE) | 8.9158% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.9158% | 1,729 |
| Net charge-offs to loans | -0.1718% | 4,748 |
| Credit loss provision to net charge-offs | -64.1026% | 3,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8400% | 2,410 |
| Assets per employee ($millions) | 10.0020% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 459 |
| Loan loss allowance to noncurrent loans | 1,881.5385% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,870 |
| Noncurrent loans to loans | 0.1165% | 3,507 |
| Net loans and leases to total assets | 23.7210% | 4,746 |
| Net loans and leases to deposits | 28.3025% | 4,734 |
| Net loans and leases to core deposits | 30.4250% | 4,721 |
| Total domestic deposits to total assets | 83.8123% | 3,507 |
| Equity capital to assets | 11.0270% | 1,995 |
| Core capital (leverage) ratio | 9.4865% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0758% | 943 |
| Memoranda: | ||
| Average total assets | $227,242,250 | 2,891 |
| Average earning assets | $216,831,000 | 2,858 |
| Average equity | $25,123,250 | 2,877 |
| Average total loans | $60,523,250 | 3,858 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8834% | 4,244 |
| Cost of funding earning assets | 0.3020% | 2,760 |
| Net interest margin | 2.5814% | 4,194 |
| Noninterest income to average assets | 0.4030% | 3,098 |
| Noninterest expense to average assets | 1.7967% | 4,188 |
| Loan and lease loss provision to assets | 0.0442% | 2,133 |
| Net operating income to assets | 0.9444% | 3,075 |
| Return on assets (ROA) | 1.0481% | 2,806 |
| Pretax return on assets | 1.1462% | 3,071 |
| Return on Equity (ROE) | 9.4721% | 2,957 |
| Retained earnings to average equity (ytd only) | 9.4721% | 1,562 |
| Net charge-offs to loans | -0.0225% | 4,038 |
| Credit loss provision to net charge-offs | -714.2857% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5346% | 2,657 |
| Assets per employee ($millions) | 9.4345% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 580 |
| Loan loss allowance to noncurrent loans | 548.0952% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,506 |
| Noncurrent loans to loans | 0.3695% | 2,573 |
| Net loans and leases to total assets | 24.5938% | 4,775 |
| Net loans and leases to deposits | 29.6947% | 4,757 |
| Net loans and leases to core deposits | 32.8219% | 4,734 |
| Total domestic deposits to total assets | 82.8223% | 3,744 |
| Equity capital to assets | 11.3918% | 1,709 |
| Core capital (leverage) ratio | 9.2254% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3231% | 906 |
| Memoranda: | ||
| Average total assets | $226,308,000 | 2,901 |
| Average earning assets | $216,551,667 | 2,861 |
| Average equity | $25,042,000 | 2,877 |
| Average total loans | $62,100,333 | 3,859 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0356% | 4,013 |
| Cost of funding earning assets | 0.3192% | 2,802 |
| Net interest margin | 2.7163% | 3,930 |
| Noninterest income to average assets | 0.4137% | 3,016 |
| Noninterest expense to average assets | 1.8634% | 4,076 |
| Loan and lease loss provision to assets | 0.0884% | 1,493 |
| Net operating income to assets | 0.9511% | 2,968 |
| Return on assets (ROA) | 1.1509% | 2,401 |
| Pretax return on assets | 1.2888% | 2,596 |
| Return on Equity (ROE) | 10.5570% | 2,512 |
| Retained earnings to average equity (ytd only) | 10.5570% | 1,502 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7819% | 2,794 |
| Assets per employee ($millions) | 9.7291% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 814 |
| Loan loss allowance to noncurrent loans | 531.6279% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 3,616 |
| Noncurrent loans to loans | 0.3460% | 2,856 |
| Net loans and leases to total assets | 27.2575% | 4,768 |
| Net loans and leases to deposits | 32.7100% | 4,751 |
| Net loans and leases to core deposits | 36.0888% | 4,721 |
| Total domestic deposits to total assets | 83.3307% | 3,609 |
| Equity capital to assets | 10.8290% | 1,986 |
| Core capital (leverage) ratio | 9.3600% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7601% | 1,114 |
| Memoranda: | ||
| Average total assets | $226,248,500 | 2,891 |
| Average earning assets | $216,763,000 | 2,841 |
| Average equity | $24,666,000 | 2,896 |
| Average total loans | $64,731,500 | 3,832 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 4,385 |
| Cost of funding earning assets | 0.6133% | 2,220 |
| Net interest margin | 2.6426% | 4,445 |
| Noninterest income to average assets | 0.4509% | 2,863 |
| Noninterest expense to average assets | 1.8667% | 4,369 |
| Loan and lease loss provision to assets | 0.0469% | 3,811 |
| Net operating income to assets | 0.9536% | 2,464 |
| Return on assets (ROA) | 1.0539% | 2,227 |
| Pretax return on assets | 1.1590% | 2,484 |
| Return on Equity (ROE) | 9.6054% | 2,158 |
| Retained earnings to average equity (ytd only) | 4.4734% | 2,550 |
| Net charge-offs to loans | 0.2317% | 753 |
| Credit loss provision to net charge-offs | 64.1026% | 3,070 |
| Earnings coverage of net charge-offs (x) | 14.9679% | 2,190 |
| Efficiency ratio | 63.0128% | 2,973 |
| Assets per employee ($millions) | 9.1491% | 702 |
| Cash dividends to net income (ytd only)* | 53.4283% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 1,228 |
| Loan loss allowance to noncurrent loans | 520.9524% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 3,762 |
| Noncurrent loans to loans | 0.3119% | 3,087 |
| Net loans and leases to total assets | 28.9568% | 4,776 |
| Net loans and leases to deposits | 34.4195% | 4,772 |
| Net loans and leases to core deposits | 39.4548% | 4,711 |
| Total domestic deposits to total assets | 84.1291% | 3,079 |
| Equity capital to assets | 10.9738% | 2,271 |
| Core capital (leverage) ratio | 8.9532% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,106,000 | 2,842 |
| Average earning assets | $202,524,200 | 2,803 |
| Average equity | $23,382,600 | 2,914 |
| Average total loans | $67,318,400 | 3,791 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 4,315 |
| Cost of funding earning assets | 0.6848% | 2,119 |
| Net interest margin | 2.7413% | 4,414 |
| Noninterest income to average assets | 0.4206% | 2,983 |
| Noninterest expense to average assets | 1.8776% | 4,366 |
| Loan and lease loss provision to assets | 0.0497% | 3,732 |
| Net operating income to assets | 0.9805% | 2,407 |
| Return on assets (ROA) | 1.1153% | 2,054 |
| Pretax return on assets | 1.2453% | 2,246 |
| Return on Equity (ROE) | 10.1653% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.1653% | 725 |
| Net charge-offs to loans | 0.0574% | 1,789 |
| Credit loss provision to net charge-offs | 268.9655% | 1,860 |
| Earnings coverage of net charge-offs (x) | 61.9655% | 1,080 |
| Efficiency ratio | 62.1126% | 3,058 |
| Assets per employee ($millions) | 9.6430% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,063 |
| Loan loss allowance to noncurrent loans | 386.7742% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 3,618 |
| Noncurrent loans to loans | 0.4172% | 2,807 |
| Net loans and leases to total assets | 32.9578% | 4,768 |
| Net loans and leases to deposits | 39.9431% | 4,752 |
| Net loans and leases to core deposits | 46.2347% | 4,660 |
| Total domestic deposits to total assets | 82.5118% | 3,280 |
| Equity capital to assets | 11.2647% | 2,179 |
| Core capital (leverage) ratio | 9.1626% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4400% | 849 |
| Memoranda: | ||
| Average total assets | $209,200,750 | 2,852 |
| Average earning assets | $198,586,750 | 2,818 |
| Average equity | $22,953,250 | 2,940 |
| Average total loans | $67,316,500 | 3,801 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 4,119 |
| Cost of funding earning assets | 0.7550% | 2,082 |
| Net interest margin | 2.9295% | 4,262 |
| Noninterest income to average assets | 0.3697% | 3,260 |
| Noninterest expense to average assets | 1.8546% | 4,476 |
| Loan and lease loss provision to assets | 0.0468% | 3,714 |
| Net operating income to assets | 1.0867% | 2,012 |
| Return on assets (ROA) | 1.2507% | 1,607 |
| Pretax return on assets | 1.4292% | 1,645 |
| Return on Equity (ROE) | 11.5100% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.5100% | 529 |
| Net charge-offs to loans | 0.0892% | 1,359 |
| Credit loss provision to net charge-offs | 165.5172% | 2,057 |
| Earnings coverage of net charge-offs (x) | 45.5862% | 1,164 |
| Efficiency ratio | 58.9823% | 3,555 |
| Assets per employee ($millions) | 9.7054% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,087 |
| Loan loss allowance to noncurrent loans | 377.0968% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 3,727 |
| Noncurrent loans to loans | 0.4153% | 2,923 |
| Net loans and leases to total assets | 32.9176% | 4,807 |
| Net loans and leases to deposits | 40.5297% | 4,783 |
| Net loans and leases to core deposits | 48.5372% | 4,650 |
| Total domestic deposits to total assets | 81.2184% | 3,557 |
| Equity capital to assets | 10.7802% | 2,507 |
| Core capital (leverage) ratio | 9.2399% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8712% | 926 |
| Memoranda: | ||
| Average total assets | $205,004,333 | 2,862 |
| Average earning assets | $194,159,667 | 2,837 |
| Average equity | $22,276,333 | 2,981 |
| Average total loans | $64,990,000 | 3,852 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 4,786 |
| Cost of funding earning assets | 0.8450% | 2,136 |
| Net interest margin | 2.4962% | 4,831 |
| Noninterest income to average assets | 0.3594% | 3,373 |
| Noninterest expense to average assets | 1.9153% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7619% | 3,049 |
| Return on assets (ROA) | 0.8841% | 2,670 |
| Pretax return on assets | 0.9311% | 3,049 |
| Return on Equity (ROE) | 8.1001% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.1001% | 1,202 |
| Net charge-offs to loans | 0.1995% | 691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 13.1000% | 1,669 |
| Efficiency ratio | 70.4733% | 2,284 |
| Assets per employee ($millions) | 8.3011% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 627 |
| Loan loss allowance to noncurrent loans | 361.2903% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,756 |
| Noncurrent loans to loans | 0.5212% | 2,699 |
| Net loans and leases to total assets | 29.2914% | 4,917 |
| Net loans and leases to deposits | 34.9370% | 4,923 |
| Net loans and leases to core deposits | 42.4852% | 4,834 |
| Total domestic deposits to total assets | 83.8405% | 2,841 |
| Equity capital to assets | 10.9037% | 2,945 |
| Core capital (leverage) ratio | 9.9250% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,894,500 | 2,903 |
| Average earning assets | $185,081,000 | 2,872 |
| Average equity | $21,382,500 | 3,040 |
| Average total loans | $60,160,500 | 3,953 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 4,795 |
| Cost of funding earning assets | 0.9449% | 1,982 |
| Net interest margin | 2.6368% | 4,880 |
| Noninterest income to average assets | 0.3410% | 3,665 |
| Noninterest expense to average assets | 1.9469% | 4,614 |
| Loan and lease loss provision to assets | 0.0266% | 3,478 |
| Net operating income to assets | 0.7984% | 3,561 |
| Return on assets (ROA) | 0.8825% | 3,356 |
| Pretax return on assets | 0.9532% | 3,595 |
| Return on Equity (ROE) | 8.4196% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.6133% | 2,637 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6422% | 2,364 |
| Assets per employee ($millions) | 8.0235% | 708 |
| Cash dividends to net income (ytd only)* | 45.2080% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 566 |
| Loan loss allowance to noncurrent loans | 369.7749% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 3,694 |
| Noncurrent loans to loans | 0.5111% | 2,657 |
| Net loans and leases to total assets | 31.0002% | 4,955 |
| Net loans and leases to deposits | 37.0424% | 4,957 |
| Net loans and leases to core deposits | 45.1182% | 4,848 |
| Total domestic deposits to total assets | 83.6885% | 2,958 |
| Equity capital to assets | 10.9273% | 3,073 |
| Core capital (leverage) ratio | 9.6985% | 3,845 |
| Tier 1 risk-based capital ratio | 17.2374% | 1,987 |
| Total risk-based capital ratio | 18.3159% | 1,971 |
| Memoranda: | ||
| Average total assets | $187,992,800 | 2,936 |
| Average earning assets | $177,906,200 | 2,905 |
| Average equity | $19,704,000 | 3,163 |
| Average total loans | $59,661,800 | 3,993 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 4,897 |
| Cost of funding earning assets | 0.9497% | 1,992 |
| Net interest margin | 2.6310% | 4,983 |
| Noninterest income to average assets | 0.3240% | 3,808 |
| Noninterest expense to average assets | 1.9338% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8220% | 3,600 |
| Return on assets (ROA) | 0.8591% | 3,561 |
| Pretax return on assets | 0.9191% | 3,821 |
| Return on Equity (ROE) | 8.2877% | 3,197 |
| Retained earnings to average equity (ytd only) | 8.2877% | 1,286 |
| Net charge-offs to loans | -0.0022% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7468% | 2,297 |
| Assets per employee ($millions) | 7.9754% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8209% | 652 |
| Loan loss allowance to noncurrent loans | 383.6237% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 3,813 |
| Noncurrent loans to loans | 0.4747% | 2,871 |
| Net loans and leases to total assets | 31.0137% | 5,040 |
| Net loans and leases to deposits | 37.2457% | 5,044 |
| Net loans and leases to core deposits | 46.0178% | 4,919 |
| Total domestic deposits to total assets | 83.2678% | 3,072 |
| Equity capital to assets | 11.2513% | 2,877 |
| Core capital (leverage) ratio | 10.0920% | 3,540 |
| Tier 1 risk-based capital ratio | 17.4199% | 1,969 |
| Total risk-based capital ratio | 18.4469% | 1,982 |
| Memoranda: | ||
| Average total assets | $186,850,250 | 2,970 |
| Average earning assets | $176,759,250 | 2,945 |
| Average equity | $19,369,500 | 3,207 |
| Average total loans | $59,366,000 | 4,046 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 4,940 |
| Cost of funding earning assets | 0.9330% | 1,990 |
| Net interest margin | 2.6539% | 5,039 |
| Noninterest income to average assets | 0.3032% | 3,903 |
| Noninterest expense to average assets | 1.9230% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8285% | 3,549 |
| Return on assets (ROA) | 0.8407% | 3,564 |
| Pretax return on assets | 0.8979% | 3,851 |
| Return on Equity (ROE) | 8.3551% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.3551% | 1,260 |
| Net charge-offs to loans | -0.0034% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4858% | 2,448 |
| Assets per employee ($millions) | 7.7648% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 586 |
| Loan loss allowance to noncurrent loans | 2,293.7500% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 4,423 |
| Noncurrent loans to loans | 0.0819% | 4,310 |
| Net loans and leases to total assets | 30.8517% | 5,088 |
| Net loans and leases to deposits | 37.0253% | 5,093 |
| Net loans and leases to core deposits | 45.5506% | 4,970 |
| Total domestic deposits to total assets | 83.3260% | 3,103 |
| Equity capital to assets | 10.9527% | 3,113 |
| Core capital (leverage) ratio | 9.9094% | 3,690 |
| Tier 1 risk-based capital ratio | 18.3046% | 1,722 |
| Total risk-based capital ratio | 19.4090% | 1,719 |
| Memoranda: | ||
| Average total assets | $185,330,670 | 2,998 |
| Average earning assets | $174,911,000 | 2,973 |
| Average equity | $18,647,330 | 3,285 |
| Average total loans | $59,000,000 | 4,073 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 5,039 |
| Cost of funding earning assets | 0.8857% | 2,068 |
| Net interest margin | 2.6273% | 5,122 |
| Noninterest income to average assets | 0.2316% | 4,355 |
| Noninterest expense to average assets | 1.9024% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7662% | 3,726 |
| Return on assets (ROA) | 0.7662% | 3,772 |
| Pretax return on assets | 0.8073% | 4,023 |
| Return on Equity (ROE) | 7.9705% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.9705% | 1,674 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2077% | 2,306 |
| Assets per employee ($millions) | 7.7292% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 589 |
| Loan loss allowance to noncurrent loans | 1,929.8246% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,459 |
| Noncurrent loans to loans | 0.0984% | 4,304 |
| Net loans and leases to total assets | 30.6361% | 5,142 |
| Net loans and leases to deposits | 35.8223% | 5,151 |
| Net loans and leases to core deposits | 43.1649% | 5,058 |
| Total domestic deposits to total assets | 85.5224% | 2,474 |
| Equity capital to assets | 9.9687% | 3,856 |
| Core capital (leverage) ratio | 9.8416% | 3,776 |
| Tier 1 risk-based capital ratio | 18.2673% | 1,724 |
| Total risk-based capital ratio | 19.3945% | 1,716 |
| Memoranda: | ||
| Average total assets | $184,818,000 | 3,035 |
| Average earning assets | $174,324,500 | 3,008 |
| Average equity | $17,765,500 | 3,375 |
| Average total loans | $59,202,500 | 4,108 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 4,919 |
| Cost of funding earning assets | 0.6017% | 2,703 |
| Net interest margin | 2.8945% | 4,928 |
| Noninterest income to average assets | 0.3450% | 3,806 |
| Noninterest expense to average assets | 1.9692% | 4,794 |
| Loan and lease loss provision to assets | 0.0218% | 3,732 |
| Net operating income to assets | 0.9323% | 3,316 |
| Return on assets (ROA) | 0.9337% | 3,305 |
| Pretax return on assets | 1.0703% | 3,374 |
| Return on Equity (ROE) | 10.1746% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.7276% | 2,338 |
| Net charge-offs to loans | 0.1689% | 1,138 |
| Credit loss provision to net charge-offs | 37.7358% | 3,300 |
| Earnings coverage of net charge-offs (x) | 18.9057% | 2,103 |
| Efficiency ratio | 64.3607% | 3,135 |
| Assets per employee ($millions) | 7.6723% | 748 |
| Cash dividends to net income (ytd only)* | 43.7063% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 4,645 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 32.2452% | 5,165 |
| Net loans and leases to deposits | 37.1591% | 5,175 |
| Net loans and leases to core deposits | 44.9586% | 5,062 |
| Total domestic deposits to total assets | 86.7761% | 1,884 |
| Equity capital to assets | 9.2535% | 4,366 |
| Core capital (leverage) ratio | 9.3327% | 4,322 |
| Tier 1 risk-based capital ratio | 17.7136% | 1,845 |
| Total risk-based capital ratio | 18.8289% | 1,837 |
| Memoranda: | ||
| Average total assets | $183,776,800 | 3,018 |
| Average earning assets | $172,359,200 | 2,999 |
| Average equity | $16,865,600 | 3,412 |
| Average total loans | $62,764,600 | 4,030 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4490% | 4,981 |
| Cost of funding earning assets | 0.5375% | 2,946 |
| Net interest margin | 2.9116% | 4,961 |
| Noninterest income to average assets | 0.3477% | 3,815 |
| Noninterest expense to average assets | 1.9649% | 4,805 |
| Loan and lease loss provision to assets | 0.0290% | 3,433 |
| Net operating income to assets | 0.9424% | 3,341 |
| Return on assets (ROA) | 0.9443% | 3,335 |
| Pretax return on assets | 1.0888% | 3,441 |
| Return on Equity (ROE) | 10.3115% | 2,474 |
| Retained earnings to average equity (ytd only) | 10.3115% | 820 |
| Net charge-offs to loans | 0.1326% | 1,217 |
| Credit loss provision to net charge-offs | 63.4921% | 2,709 |
| Earnings coverage of net charge-offs (x) | 24.3962% | 1,819 |
| Efficiency ratio | 63.7842% | 3,219 |
| Assets per employee ($millions) | 7.6499% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 4,756 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 33.4978% | 5,210 |
| Net loans and leases to deposits | 38.9437% | 5,230 |
| Net loans and leases to core deposits | 47.4186% | 5,079 |
| Total domestic deposits to total assets | 86.0161% | 2,181 |
| Equity capital to assets | 9.1173% | 4,446 |
| Core capital (leverage) ratio | 9.6885% | 3,955 |
| Tier 1 risk-based capital ratio | 17.0626% | 2,083 |
| Total risk-based capital ratio | 18.1579% | 2,089 |
| Memoranda: | ||
| Average total assets | $183,687,000 | 3,043 |
| Average earning assets | $172,412,250 | 3,024 |
| Average equity | $16,822,250 | 3,438 |
| Average total loans | $63,337,000 | 4,058 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4038% | 5,032 |
| Cost of funding earning assets | 0.4834% | 3,137 |
| Net interest margin | 2.9203% | 4,988 |
| Noninterest income to average assets | 0.3462% | 3,857 |
| Noninterest expense to average assets | 1.9672% | 4,851 |
| Loan and lease loss provision to assets | 0.0327% | 3,261 |
| Net operating income to assets | 0.9384% | 3,284 |
| Return on assets (ROA) | 0.9384% | 3,289 |
| Pretax return on assets | 1.0886% | 3,357 |
| Return on Equity (ROE) | 10.2315% | 2,462 |
| Retained earnings to average equity (ytd only) | 10.2315% | 862 |
| Net charge-offs to loans | -0.1793% | 5,306 |
| Credit loss provision to net charge-offs | -52.6316% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6940% | 3,361 |
| Assets per employee ($millions) | 7.8174% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9367% | 587 |
| Loan loss allowance to noncurrent loans | 4,176.6667% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,733 |
| Noncurrent loans to loans | 0.0464% | 4,713 |
| Net loans and leases to total assets | 33.8166% | 5,243 |
| Net loans and leases to deposits | 39.1106% | 5,267 |
| Net loans and leases to core deposits | 47.6955% | 5,108 |
| Total domestic deposits to total assets | 86.4640% | 2,071 |
| Equity capital to assets | 9.0226% | 4,540 |
| Core capital (leverage) ratio | 9.4601% | 4,160 |
| Tier 1 risk-based capital ratio | 17.4170% | 1,963 |
| Total risk-based capital ratio | 18.6666% | 1,919 |
| Memoranda: | ||
| Average total assets | $183,717,000 | 3,061 |
| Average earning assets | $172,514,670 | 3,035 |
| Average equity | $16,850,000 | 3,457 |
| Average total loans | $63,568,000 | 4,079 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 5,088 |
| Cost of funding earning assets | 0.4214% | 3,433 |
| Net interest margin | 2.9146% | 5,004 |
| Noninterest income to average assets | 0.3235% | 3,991 |
| Noninterest expense to average assets | 2.0026% | 4,844 |
| Loan and lease loss provision to assets | 0.0330% | 3,064 |
| Net operating income to assets | 0.8979% | 3,298 |
| Return on assets (ROA) | 0.8979% | 3,306 |
| Pretax return on assets | 1.0431% | 3,384 |
| Return on Equity (ROE) | 9.7079% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.5420% | 1,645 |
| Net charge-offs to loans | -0.3428% | 5,463 |
| Credit loss provision to net charge-offs | -27.7778% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0465% | 3,309 |
| Assets per employee ($millions) | 7.6316% | 729 |
| Cash dividends to net income (ytd only)* | 12.0098% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 629 |
| Loan loss allowance to noncurrent loans | 3,983.8710% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,792 |
| Noncurrent loans to loans | 0.0484% | 4,760 |
| Net loans and leases to total assets | 34.2942% | 5,264 |
| Net loans and leases to deposits | 39.8027% | 5,269 |
| Net loans and leases to core deposits | 46.4301% | 5,146 |
| Total domestic deposits to total assets | 86.1607% | 2,472 |
| Equity capital to assets | 9.0763% | 4,486 |
| Core capital (leverage) ratio | 9.3850% | 4,208 |
| Tier 1 risk-based capital ratio | 16.7673% | 2,192 |
| Total risk-based capital ratio | 17.9917% | 2,145 |
| Memoranda: | ||
| Average total assets | $181,766,500 | 3,111 |
| Average earning assets | $171,824,500 | 3,074 |
| Average equity | $16,811,000 | 3,495 |
| Average total loans | $63,002,500 | 4,130 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,024 |
| Cost of funding earning assets | 0.3567% | 3,648 |
| Net interest margin | 2.9870% | 4,915 |
| Noninterest income to average assets | 0.3580% | 3,909 |
| Noninterest expense to average assets | 1.9876% | 4,980 |
| Loan and lease loss provision to assets | 0.0751% | 2,697 |
| Net operating income to assets | 0.8376% | 3,002 |
| Return on assets (ROA) | 0.8402% | 3,030 |
| Pretax return on assets | 1.1081% | 3,155 |
| Return on Equity (ROE) | 8.4808% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.4215% | 3,237 |
| Net charge-offs to loans | -0.0221% | 4,984 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7530% | 3,821 |
| Assets per employee ($millions) | 7.5156% | 761 |
| Cash dividends to net income (ytd only)* | 59.6564% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 673 |
| Loan loss allowance to noncurrent loans | 3,883.3333% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,820 |
| Noncurrent loans to loans | 0.0484% | 4,778 |
| Net loans and leases to total assets | 33.7033% | 5,350 |
| Net loans and leases to deposits | 38.9812% | 5,366 |
| Net loans and leases to core deposits | 44.0848% | 5,291 |
| Total domestic deposits to total assets | 86.4604% | 2,246 |
| Equity capital to assets | 9.4238% | 4,301 |
| Core capital (leverage) ratio | 9.4011% | 4,155 |
| Tier 1 risk-based capital ratio | 17.8799% | 1,834 |
| Total risk-based capital ratio | 19.1296% | 1,784 |
| Memoranda: | ||
| Average total assets | $173,176,000 | 3,206 |
| Average earning assets | $162,873,400 | 3,162 |
| Average equity | $17,156,400 | 3,470 |
| Average total loans | $58,814,600 | 4,230 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,048 |
| Cost of funding earning assets | 0.3470% | 3,702 |
| Net interest margin | 2.9967% | 4,928 |
| Noninterest income to average assets | 0.3680% | 3,895 |
| Noninterest expense to average assets | 2.0018% | 4,947 |
| Loan and lease loss provision to assets | 0.0778% | 2,525 |
| Net operating income to assets | 0.8483% | 3,277 |
| Return on assets (ROA) | 0.8519% | 3,313 |
| Pretax return on assets | 1.1079% | 3,274 |
| Return on Equity (ROE) | 8.4901% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.4901% | 1,021 |
| Net charge-offs to loans | -0.0230% | 4,897 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8942% | 3,733 |
| Assets per employee ($millions) | 7.3683% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 623 |
| Loan loss allowance to noncurrent loans | 3,773.3333% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,152 |
| Noncurrent loans to loans | 0.0517% | 4,877 |
| Net loans and leases to total assets | 32.1492% | 5,450 |
| Net loans and leases to deposits | 37.6299% | 5,468 |
| Net loans and leases to core deposits | 42.0354% | 5,416 |
| Total domestic deposits to total assets | 85.4353% | 2,543 |
| Equity capital to assets | 10.2359% | 3,655 |
| Core capital (leverage) ratio | 9.7985% | 3,823 |
| Tier 1 risk-based capital ratio | 18.4163% | 1,752 |
| Total risk-based capital ratio | 19.6382% | 1,712 |
| Memoranda: | ||
| Average total assets | $171,376,500 | 3,251 |
| Average earning assets | $160,974,750 | 3,214 |
| Average equity | $17,196,000 | 3,503 |
| Average total loans | $58,029,000 | 4,287 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3334% | 5,057 |
| Cost of funding earning assets | 0.3306% | 3,787 |
| Net interest margin | 3.0028% | 4,908 |
| Noninterest income to average assets | 0.3786% | 3,844 |
| Noninterest expense to average assets | 2.0005% | 4,977 |
| Loan and lease loss provision to assets | 0.0826% | 2,335 |
| Net operating income to assets | 0.8484% | 3,162 |
| Return on assets (ROA) | 0.8493% | 3,207 |
| Pretax return on assets | 1.1147% | 3,117 |
| Return on Equity (ROE) | 8.5236% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.5236% | 993 |
| Net charge-offs to loans | -0.0172% | 4,718 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5830% | 3,892 |
| Assets per employee ($millions) | 7.4531% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 762 |
| Loan loss allowance to noncurrent loans | 383.5664% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 3,479 |
| Noncurrent loans to loans | 0.4878% | 3,288 |
| Net loans and leases to total assets | 33.5618% | 5,461 |
| Net loans and leases to deposits | 39.8261% | 5,460 |
| Net loans and leases to core deposits | 44.7104% | 5,380 |
| Total domestic deposits to total assets | 84.2709% | 3,100 |
| Equity capital to assets | 10.3920% | 3,464 |
| Core capital (leverage) ratio | 9.7543% | 3,827 |
| Tier 1 risk-based capital ratio | 19.3598% | 1,505 |
| Total risk-based capital ratio | 20.6093% | 1,454 |
| Memoranda: | ||
| Average total assets | $169,556,000 | 3,285 |
| Average earning assets | $159,116,670 | 3,256 |
| Average equity | $16,894,330 | 3,548 |
| Average total loans | $58,044,000 | 4,310 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2950% | 5,113 |
| Cost of funding earning assets | 0.3199% | 3,857 |
| Net interest margin | 2.9751% | 4,942 |
| Noninterest income to average assets | 0.3368% | 4,151 |
| Noninterest expense to average assets | 1.9855% | 5,084 |
| Loan and lease loss provision to assets | 0.0712% | 2,380 |
| Net operating income to assets | 0.8083% | 3,186 |
| Return on assets (ROA) | 0.8065% | 3,251 |
| Pretax return on assets | 1.0580% | 3,146 |
| Return on Equity (ROE) | 8.2753% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.2753% | 1,348 |
| Net charge-offs to loans | -0.0208% | 4,766 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6986% | 3,888 |
| Assets per employee ($millions) | 7.1600% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 913 |
| Loan loss allowance to noncurrent loans | 343.6482% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 3,488 |
| Noncurrent loans to loans | 0.5313% | 3,218 |
| Net loans and leases to total assets | 33.0142% | 5,499 |
| Net loans and leases to deposits | 38.4509% | 5,513 |
| Net loans and leases to core deposits | 42.8875% | 5,445 |
| Total domestic deposits to total assets | 85.8608% | 2,736 |
| Equity capital to assets | 9.7701% | 4,002 |
| Core capital (leverage) ratio | 9.7766% | 3,780 |
| Tier 1 risk-based capital ratio | 18.8264% | 1,650 |
| Total risk-based capital ratio | 20.0443% | 1,621 |
| Memoranda: | ||
| Average total assets | $168,623,500 | 3,326 |
| Average earning assets | $157,573,000 | 3,304 |
| Average equity | $16,434,500 | 3,612 |
| Average total loans | $57,751,500 | 4,359 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 5,117 |
| Cost of funding earning assets | 0.3178% | 3,868 |
| Net interest margin | 3.0116% | 4,935 |
| Noninterest income to average assets | 0.2585% | 4,877 |
| Noninterest expense to average assets | 2.0714% | 5,048 |
| Loan and lease loss provision to assets | 0.0461% | 3,468 |
| Net operating income to assets | 0.7231% | 3,678 |
| Return on assets (ROA) | 0.7259% | 3,772 |
| Pretax return on assets | 0.9494% | 3,659 |
| Return on Equity (ROE) | 6.9476% | 3,495 |
| Retained earnings to average equity (ytd only) | 4.0087% | 3,067 |
| Net charge-offs to loans | 0.0428% | 3,179 |
| Credit loss provision to net charge-offs | 312.5000% | 952 |
| Earnings coverage of net charge-offs (x) | 67.2917% | 821 |
| Efficiency ratio | 67.6223% | 3,319 |
| Assets per employee ($millions) | 6.8919% | 963 |
| Cash dividends to net income (ytd only)* | 42.3012% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 996 |
| Loan loss allowance to noncurrent loans | 325.7962% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,468 |
| Noncurrent loans to loans | 0.5440% | 3,218 |
| Net loans and leases to total assets | 34.2751% | 5,542 |
| Net loans and leases to deposits | 39.1648% | 5,570 |
| Net loans and leases to core deposits | 43.5651% | 5,501 |
| Total domestic deposits to total assets | 87.5150% | 1,869 |
| Equity capital to assets | 9.7215% | 4,038 |
| Core capital (leverage) ratio | 9.6498% | 3,910 |
| Tier 1 risk-based capital ratio | 19.1957% | 1,544 |
| Total risk-based capital ratio | 20.4256% | 1,514 |
| Memoranda: | ||
| Average total assets | $162,834,800 | 3,366 |
| Average earning assets | $151,646,200 | 3,350 |
| Average equity | $17,013,000 | 3,553 |
| Average total loans | $56,122,600 | 4,408 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3168% | 5,190 |
| Cost of funding earning assets | 0.3181% | 3,894 |
| Net interest margin | 2.9987% | 5,015 |
| Noninterest income to average assets | 0.2770% | 4,786 |
| Noninterest expense to average assets | 2.0650% | 5,073 |
| Loan and lease loss provision to assets | 0.0559% | 3,130 |
| Net operating income to assets | 0.7164% | 3,758 |
| Return on assets (ROA) | 0.7201% | 3,876 |
| Pretax return on assets | 0.9511% | 3,810 |
| Return on Equity (ROE) | 6.7723% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.7723% | 1,740 |
| Net charge-offs to loans | -0.0167% | 4,950 |
| Credit loss provision to net charge-offs | -971.4286% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3278% | 3,353 |
| Assets per employee ($millions) | 7.4991% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 1,018 |
| Loan loss allowance to noncurrent loans | 229.1028% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 2,530 |
| Noncurrent loans to loans | 0.7845% | 2,716 |
| Net loans and leases to total assets | 34.6745% | 5,598 |
| Net loans and leases to deposits | 40.3775% | 5,623 |
| Net loans and leases to core deposits | 45.0033% | 5,550 |
| Total domestic deposits to total assets | 85.8759% | 2,420 |
| Equity capital to assets | 10.8983% | 3,137 |
| Core capital (leverage) ratio | 10.0189% | 3,549 |
| Tier 1 risk-based capital ratio | 19.7490% | 1,494 |
| Total risk-based capital ratio | 20.9991% | 1,459 |
| Memoranda: | ||
| Average total assets | $162,192,000 | 3,393 |
| Average earning assets | $150,905,000 | 3,374 |
| Average equity | $17,246,250 | 3,548 |
| Average total loans | $55,724,250 | 4,448 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3312% | 5,223 |
| Cost of funding earning assets | 0.3216% | 3,882 |
| Net interest margin | 3.0096% | 5,060 |
| Noninterest income to average assets | 0.2356% | 5,074 |
| Noninterest expense to average assets | 2.0464% | 5,177 |
| Loan and lease loss provision to assets | 0.0558% | 3,032 |
| Net operating income to assets | 0.6970% | 3,805 |
| Return on assets (ROA) | 0.6970% | 3,961 |
| Pretax return on assets | 0.9190% | 3,880 |
| Return on Equity (ROE) | 6.6111% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.6111% | 1,809 |
| Net charge-offs to loans | -0.0146% | 4,831 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7340% | 3,394 |
| Assets per employee ($millions) | 6.6159% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 1,100 |
| Loan loss allowance to noncurrent loans | 302.0710% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 2,709 |
| Noncurrent loans to loans | 0.5913% | 3,294 |
| Net loans and leases to total assets | 33.9444% | 5,680 |
| Net loans and leases to deposits | 39.3381% | 5,709 |
| Net loans and leases to core deposits | 43.9565% | 5,629 |
| Total domestic deposits to total assets | 86.2887% | 2,276 |
| Equity capital to assets | 10.7342% | 3,360 |
| Core capital (leverage) ratio | 10.0174% | 3,548 |
| Tier 1 risk-based capital ratio | 19.2471% | 1,640 |
| Total risk-based capital ratio | 20.4869% | 1,605 |
| Memoranda: | ||
| Average total assets | $161,262,670 | 3,421 |
| Average earning assets | $149,257,330 | 3,412 |
| Average equity | $17,001,670 | 3,589 |
| Average total loans | $54,881,330 | 4,507 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 5,279 |
| Cost of funding earning assets | 0.3231% | 3,911 |
| Net interest margin | 2.9974% | 5,124 |
| Noninterest income to average assets | 0.1960% | 5,331 |
| Noninterest expense to average assets | 2.0553% | 5,211 |
| Loan and lease loss provision to assets | 0.0578% | 2,794 |
| Net operating income to assets | 0.6633% | 3,912 |
| Return on assets (ROA) | 0.6633% | 4,037 |
| Pretax return on assets | 0.8568% | 4,017 |
| Return on Equity (ROE) | 6.3517% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.3517% | 2,204 |
| Net charge-offs to loans | -0.0223% | 4,908 |
| Credit loss provision to net charge-offs | -766.6667% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2047% | 3,265 |
| Assets per employee ($millions) | 7.0207% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 1,111 |
| Loan loss allowance to noncurrent loans | 290.9621% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 2,674 |
| Noncurrent loans to loans | 0.6266% | 3,293 |
| Net loans and leases to total assets | 33.2828% | 5,739 |
| Net loans and leases to deposits | 38.4768% | 5,762 |
| Net loans and leases to core deposits | 41.7180% | 5,723 |
| Total domestic deposits to total assets | 86.5009% | 2,442 |
| Equity capital to assets | 10.5179% | 3,472 |
| Core capital (leverage) ratio | 9.9364% | 3,618 |
| Tier 1 risk-based capital ratio | 19.2248% | 1,681 |
| Total risk-based capital ratio | 20.4587% | 1,651 |
| Memoranda: | ||
| Average total assets | $159,195,500 | 3,462 |
| Average earning assets | $147,329,000 | 3,455 |
| Average equity | $16,625,500 | 3,638 |
| Average total loans | $53,740,000 | 4,562 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 5,144 |
| Cost of funding earning assets | 0.3392% | 3,802 |
| Net interest margin | 3.0668% | 4,988 |
| Noninterest income to average assets | 0.3971% | 4,052 |
| Noninterest expense to average assets | 2.2635% | 4,894 |
| Loan and lease loss provision to assets | 0.0832% | 2,629 |
| Net operating income to assets | 0.6864% | 3,881 |
| Return on assets (ROA) | 0.6843% | 3,987 |
| Pretax return on assets | 0.8682% | 3,959 |
| Return on Equity (ROE) | 6.4818% | 3,791 |
| Retained earnings to average equity (ytd only) | 2.7884% | 4,088 |
| Net charge-offs to loans | 0.3741% | 775 |
| Credit loss provision to net charge-offs | 62.7451% | 3,229 |
| Earnings coverage of net charge-offs (x) | 7.1961% | 3,108 |
| Efficiency ratio | 70.3494% | 3,167 |
| Assets per employee ($millions) | 6.2766% | 1,215 |
| Cash dividends to net income (ytd only)* | 56.9801% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 1,059 |
| Loan loss allowance to noncurrent loans | 264.8501% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 2,168 |
| Noncurrent loans to loans | 0.6959% | 3,108 |
| Net loans and leases to total assets | 32.9900% | 5,809 |
| Net loans and leases to deposits | 38.0716% | 5,837 |
| Net loans and leases to core deposits | 40.7337% | 5,798 |
| Total domestic deposits to total assets | 86.6526% | 2,296 |
| Equity capital to assets | 10.3668% | 3,545 |
| Core capital (leverage) ratio | 9.8702% | 3,691 |
| Tier 1 risk-based capital ratio | 20.4599% | 1,394 |
| Total risk-based capital ratio | 21.7100% | 1,370 |
| Memoranda: | ||
| Average total assets | $153,878,600 | 3,510 |
| Average earning assets | $141,517,600 | 3,519 |
| Average equity | $16,245,600 | 3,639 |
| Average total loans | $54,529,400 | 4,542 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4205% | 5,160 |
| Cost of funding earning assets | 0.3433% | 3,829 |
| Net interest margin | 3.0772% | 5,016 |
| Noninterest income to average assets | 0.4275% | 3,887 |
| Noninterest expense to average assets | 2.2805% | 4,830 |
| Loan and lease loss provision to assets | 0.0940% | 2,286 |
| Net operating income to assets | 0.6928% | 3,932 |
| Return on assets (ROA) | 0.6914% | 4,053 |
| Pretax return on assets | 0.8768% | 4,061 |
| Return on Equity (ROE) | 6.5186% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.5186% | 1,947 |
| Net charge-offs to loans | 0.1479% | 1,655 |
| Credit loss provision to net charge-offs | 177.0492% | 1,488 |
| Earnings coverage of net charge-offs (x) | 18.3118% | 2,007 |
| Efficiency ratio | 70.1017% | 3,192 |
| Assets per employee ($millions) | 6.3674% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 831 |
| Loan loss allowance to noncurrent loans | 222.7642% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 2,053 |
| Noncurrent loans to loans | 0.9254% | 2,664 |
| Net loans and leases to total assets | 34.0745% | 5,855 |
| Net loans and leases to deposits | 39.5540% | 5,884 |
| Net loans and leases to core deposits | 42.0886% | 5,852 |
| Total domestic deposits to total assets | 86.1469% | 2,459 |
| Equity capital to assets | 10.8050% | 3,232 |
| Core capital (leverage) ratio | 10.3141% | 3,241 |
| Tier 1 risk-based capital ratio | 19.9969% | 1,549 |
| Total risk-based capital ratio | 21.2485% | 1,513 |
| Memoranda: | ||
| Average total assets | $153,119,750 | 3,551 |
| Average earning assets | $140,599,500 | 3,566 |
| Average equity | $16,240,250 | 3,670 |
| Average total loans | $54,977,250 | 4,577 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 5,212 |
| Cost of funding earning assets | 0.3446% | 3,872 |
| Net interest margin | 3.0642% | 5,061 |
| Noninterest income to average assets | 0.3890% | 4,164 |
| Noninterest expense to average assets | 2.2778% | 4,900 |
| Loan and lease loss provision to assets | 0.1018% | 2,137 |
| Net operating income to assets | 0.6574% | 4,091 |
| Return on assets (ROA) | 0.6553% | 4,207 |
| Pretax return on assets | 0.8158% | 4,272 |
| Return on Equity (ROE) | 6.2168% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.2168% | 2,106 |
| Net charge-offs to loans | 0.2303% | 1,121 |
| Credit loss provision to net charge-offs | 121.8750% | 1,778 |
| Earnings coverage of net charge-offs (x) | 11.0156% | 2,330 |
| Efficiency ratio | 71.2245% | 3,126 |
| Assets per employee ($millions) | 6.1340% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9820% | 1,013 |
| Loan loss allowance to noncurrent loans | 194.5055% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2123% | 2,089 |
| Noncurrent loans to loans | 1.0190% | 2,609 |
| Net loans and leases to total assets | 34.2478% | 5,898 |
| Net loans and leases to deposits | 39.5901% | 5,914 |
| Net loans and leases to core deposits | 42.7724% | 5,870 |
| Total domestic deposits to total assets | 86.5060% | 2,436 |
| Equity capital to assets | 10.4702% | 3,474 |
| Core capital (leverage) ratio | 10.1806% | 3,361 |
| Tier 1 risk-based capital ratio | 19.6519% | 1,634 |
| Total risk-based capital ratio | 20.9027% | 1,601 |
| Memoranda: | ||
| Average total assets | $153,220,330 | 3,576 |
| Average earning assets | $140,462,000 | 3,592 |
| Average equity | $16,149,670 | 3,701 |
| Average total loans | $55,580,330 | 4,597 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 5,089 |
| Cost of funding earning assets | 0.3496% | 3,865 |
| Net interest margin | 3.1007% | 4,948 |
| Noninterest income to average assets | 0.3735% | 4,217 |
| Noninterest expense to average assets | 2.2618% | 4,965 |
| Loan and lease loss provision to assets | 0.0784% | 2,387 |
| Net operating income to assets | 0.6843% | 3,876 |
| Return on assets (ROA) | 0.6843% | 4,006 |
| Pretax return on assets | 0.8593% | 4,027 |
| Return on Equity (ROE) | 6.4705% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.4705% | 2,249 |
| Net charge-offs to loans | -0.0283% | 5,218 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6939% | 3,369 |
| Assets per employee ($millions) | 6.6700% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 1,124 |
| Loan loss allowance to noncurrent loans | 112.9436% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 1,948 |
| Noncurrent loans to loans | 1.7517% | 1,557 |
| Net loans and leases to total assets | 34.9451% | 5,879 |
| Net loans and leases to deposits | 40.5539% | 5,897 |
| Net loans and leases to core deposits | 42.4142% | 5,893 |
| Total domestic deposits to total assets | 86.1697% | 2,850 |
| Equity capital to assets | 10.7373% | 3,280 |
| Core capital (leverage) ratio | 9.9847% | 3,620 |
| Tier 1 risk-based capital ratio | 19.9140% | 1,646 |
| Total risk-based capital ratio | 21.1660% | 1,608 |
| Memoranda: | ||
| Average total assets | $153,155,500 | 3,605 |
| Average earning assets | $139,580,500 | 3,632 |
| Average equity | $16,196,500 | 3,715 |
| Average total loans | $56,580,000 | 4,586 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 5,202 |
| Cost of funding earning assets | 0.4380% | 3,303 |
| Net interest margin | 3.1150% | 5,169 |
| Noninterest income to average assets | 0.2990% | 4,988 |
| Noninterest expense to average assets | 2.3990% | 4,847 |
| Loan and lease loss provision to assets | 0.2073% | 1,208 |
| Net operating income to assets | 0.4974% | 4,820 |
| Return on assets (ROA) | 0.5016% | 4,890 |
| Pretax return on assets | 0.5651% | 5,055 |
| Return on Equity (ROE) | 4.9427% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.9656% | 4,136 |
| Net charge-offs to loans | 0.4983% | 825 |
| Credit loss provision to net charge-offs | 103.3333% | 2,317 |
| Earnings coverage of net charge-offs (x) | 3.8267% | 3,803 |
| Efficiency ratio | 75.7550% | 2,549 |
| Assets per employee ($millions) | 5.8808% | 1,465 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 1,558 |
| Loan loss allowance to noncurrent loans | 153.2943% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 2,163 |
| Noncurrent loans to loans | 1.1681% | 2,494 |
| Net loans and leases to total assets | 37.5548% | 5,877 |
| Net loans and leases to deposits | 43.1332% | 5,920 |
| Net loans and leases to core deposits | 44.9931% | 5,926 |
| Total domestic deposits to total assets | 87.0669% | 2,241 |
| Equity capital to assets | 10.4126% | 3,599 |
| Core capital (leverage) ratio | 9.7606% | 3,884 |
| Tier 1 risk-based capital ratio | 19.6271% | 1,675 |
| Total risk-based capital ratio | 20.8789% | 1,639 |
| Memoranda: | ||
| Average total assets | $149,519,800 | 3,638 |
| Average earning assets | $137,657,400 | 3,632 |
| Average equity | $15,173,800 | 3,804 |
| Average total loans | $60,201,800 | 4,482 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 5,272 |
| Cost of funding earning assets | 0.4412% | 3,356 |
| Net interest margin | 3.1091% | 5,229 |
| Noninterest income to average assets | 0.3094% | 4,967 |
| Noninterest expense to average assets | 2.4133% | 4,788 |
| Loan and lease loss provision to assets | 0.2107% | 1,098 |
| Net operating income to assets | 0.4912% | 4,903 |
| Return on assets (ROA) | 0.4968% | 4,953 |
| Pretax return on assets | 0.5605% | 5,156 |
| Return on Equity (ROE) | 4.9286% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.9286% | 3,129 |
| Net charge-offs to loans | 0.3122% | 1,277 |
| Credit loss provision to net charge-offs | 165.4930% | 1,482 |
| Earnings coverage of net charge-offs (x) | 6.0070% | 3,155 |
| Efficiency ratio | 75.9312% | 2,499 |
| Assets per employee ($millions) | 5.8126% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 1,537 |
| Loan loss allowance to noncurrent loans | 147.5196% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 2,171 |
| Noncurrent loans to loans | 1.2653% | 2,525 |
| Net loans and leases to total assets | 39.3120% | 5,858 |
| Net loans and leases to deposits | 45.2459% | 5,920 |
| Net loans and leases to core deposits | 47.7772% | 5,895 |
| Total domestic deposits to total assets | 86.8852% | 2,381 |
| Equity capital to assets | 10.4270% | 3,648 |
| Core capital (leverage) ratio | 9.8758% | 3,842 |
| Tier 1 risk-based capital ratio | 19.4320% | 1,793 |
| Total risk-based capital ratio | 20.6849% | 1,766 |
| Memoranda: | ||
| Average total assets | $148,674,250 | 3,681 |
| Average earning assets | $137,184,000 | 3,671 |
| Average equity | $14,987,000 | 3,858 |
| Average total loans | $60,635,000 | 4,511 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 5,322 |
| Cost of funding earning assets | 0.4377% | 3,462 |
| Net interest margin | 3.0989% | 5,257 |
| Noninterest income to average assets | 0.2692% | 5,281 |
| Noninterest expense to average assets | 2.4334% | 4,789 |
| Loan and lease loss provision to assets | 0.1961% | 1,243 |
| Net operating income to assets | 0.4545% | 4,995 |
| Return on assets (ROA) | 0.4545% | 5,074 |
| Pretax return on assets | 0.4937% | 5,292 |
| Return on Equity (ROE) | 4.5621% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.5621% | 3,263 |
| Net charge-offs to loans | 0.4385% | 929 |
| Credit loss provision to net charge-offs | 109.0226% | 1,836 |
| Earnings coverage of net charge-offs (x) | 3.8346% | 3,213 |
| Efficiency ratio | 77.9125% | 2,301 |
| Assets per employee ($millions) | 5.7948% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 2,013 |
| Loan loss allowance to noncurrent loans | 89.6581% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 2,031 |
| Noncurrent loans to loans | 1.9380% | 1,754 |
| Net loans and leases to total assets | 39.3730% | 5,869 |
| Net loans and leases to deposits | 45.1165% | 5,931 |
| Net loans and leases to core deposits | 48.6118% | 5,869 |
| Total domestic deposits to total assets | 87.2697% | 2,312 |
| Equity capital to assets | 10.1677% | 3,877 |
| Core capital (leverage) ratio | 9.9521% | 3,677 |
| Tier 1 risk-based capital ratio | 19.0463% | 1,913 |
| Total risk-based capital ratio | 20.2976% | 1,875 |
| Memoranda: | ||
| Average total assets | $147,856,670 | 3,713 |
| Average earning assets | $136,177,330 | 3,708 |
| Average equity | $14,730,000 | 3,908 |
| Average total loans | $60,666,330 | 4,528 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5304% | 5,349 |
| Cost of funding earning assets | 0.4376% | 3,565 |
| Net interest margin | 3.0928% | 5,277 |
| Noninterest income to average assets | 0.1174% | 6,263 |
| Noninterest expense to average assets | 2.4718% | 4,708 |
| Loan and lease loss provision to assets | 0.1502% | 1,611 |
| Net operating income to assets | 0.3523% | 5,304 |
| Return on assets (ROA) | 0.3523% | 5,359 |
| Pretax return on assets | 0.3332% | 5,642 |
| Return on Equity (ROE) | 3.5745% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.5745% | 3,991 |
| Net charge-offs to loans | 0.8222% | 421 |
| Credit loss provision to net charge-offs | 44.0000% | 2,266 |
| Earnings coverage of net charge-offs (x) | 1.4160% | 3,102 |
| Efficiency ratio | 83.6414% | 1,711 |
| Assets per employee ($millions) | 5.2861% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 2,745 |
| Loan loss allowance to noncurrent loans | 78.1730% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.7316% | 2,038 |
| Noncurrent loans to loans | 2.0356% | 1,827 |
| Net loans and leases to total assets | 40.4024% | 5,780 |
| Net loans and leases to deposits | 46.2555% | 5,833 |
| Net loans and leases to core deposits | 49.9516% | 5,765 |
| Total domestic deposits to total assets | 87.3462% | 2,601 |
| Equity capital to assets | 9.9371% | 3,919 |
| Core capital (leverage) ratio | 10.1336% | 3,380 |
| Tier 1 risk-based capital ratio | 18.7811% | 2,036 |
| Total risk-based capital ratio | 20.0313% | 1,995 |
| Memoranda: | ||
| Average total assets | $146,453,000 | 3,761 |
| Average earning assets | $134,377,000 | 3,759 |
| Average equity | $14,435,500 | 3,963 |
| Average total loans | $60,814,500 | 4,557 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 5,522 |
| Cost of funding earning assets | 0.5785% | 2,850 |
| Net interest margin | 2.9763% | 5,630 |
| Noninterest income to average assets | 0.3611% | 4,719 |
| Noninterest expense to average assets | 2.6217% | 4,386 |
| Loan and lease loss provision to assets | 0.4931% | 570 |
| Net operating income to assets | 0.1079% | 6,029 |
| Return on assets (ROA) | 0.1306% | 6,041 |
| Pretax return on assets | -0.0097% | 6,240 |
| Return on Equity (ROE) | 1.2826% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.2826% | 5,255 |
| Net charge-offs to loans | 0.7547% | 840 |
| Credit loss provision to net charge-offs | 155.3611% | 1,494 |
| Earnings coverage of net charge-offs (x) | 1.4114% | 4,588 |
| Efficiency ratio | 85.4072% | 1,476 |
| Assets per employee ($millions) | 5.5729% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 2,393 |
| Loan loss allowance to noncurrent loans | 102.1675% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8945% | 1,917 |
| Noncurrent loans to loans | 1.6677% | 2,407 |
| Net loans and leases to total assets | 41.2885% | 5,870 |
| Net loans and leases to deposits | 47.2067% | 5,943 |
| Net loans and leases to core deposits | 51.2753% | 5,856 |
| Total domestic deposits to total assets | 87.4633% | 2,491 |
| Equity capital to assets | 9.7747% | 4,068 |
| Core capital (leverage) ratio | 9.8760% | 3,733 |
| Tier 1 risk-based capital ratio | 18.4598% | 2,095 |
| Total risk-based capital ratio | 19.7112% | 2,062 |
| Memoranda: | ||
| Average total assets | $143,992,600 | 3,810 |
| Average earning assets | $131,036,800 | 3,825 |
| Average equity | $14,658,000 | 3,931 |
| Average total loans | $60,554,600 | 4,600 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4723% | 5,748 |
| Cost of funding earning assets | 0.6040% | 2,775 |
| Net interest margin | 2.8683% | 5,884 |
| Noninterest income to average assets | 0.3413% | 4,961 |
| Noninterest expense to average assets | 2.6218% | 4,320 |
| Loan and lease loss provision to assets | 0.5472% | 478 |
| Net operating income to assets | -0.0006% | 6,301 |
| Return on assets (ROA) | 0.0297% | 6,310 |
| Pretax return on assets | -0.1688% | 6,454 |
| Return on Equity (ROE) | 0.2887% | 6,312 |
| Retained earnings to average equity (ytd only) | 0.2887% | 5,853 |
| Net charge-offs to loans | 0.9083% | 639 |
| Credit loss provision to net charge-offs | 143.2039% | 1,641 |
| Earnings coverage of net charge-offs (x) | 0.8665% | 4,564 |
| Efficiency ratio | 88.7877% | 1,106 |
| Assets per employee ($millions) | 5.4632% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 3,177 |
| Loan loss allowance to noncurrent loans | 42.4912% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.8294% | 1,314 |
| Noncurrent loans to loans | 3.6768% | 1,005 |
| Net loans and leases to total assets | 42.6723% | 5,845 |
| Net loans and leases to deposits | 49.5330% | 5,868 |
| Net loans and leases to core deposits | 52.8172% | 5,843 |
| Total domestic deposits to total assets | 86.1493% | 3,168 |
| Equity capital to assets | 9.7914% | 4,198 |
| Core capital (leverage) ratio | 9.9054% | 3,804 |
| Tier 1 risk-based capital ratio | 18.0707% | 2,298 |
| Total risk-based capital ratio | 19.2927% | 2,271 |
| Memoranda: | ||
| Average total assets | $143,767,000 | 3,851 |
| Average earning assets | $130,898,250 | 3,867 |
| Average equity | $14,781,750 | 3,957 |
| Average total loans | $60,477,750 | 4,640 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 5,770 |
| Cost of funding earning assets | 0.6099% | 2,846 |
| Net interest margin | 2.8496% | 5,900 |
| Noninterest income to average assets | 0.2743% | 5,489 |
| Noninterest expense to average assets | 2.5814% | 4,448 |
| Loan and lease loss provision to assets | 0.6374% | 389 |
| Net operating income to assets | -0.0910% | 6,398 |
| Return on assets (ROA) | -0.0457% | 6,402 |
| Pretax return on assets | -0.2840% | 6,547 |
| Return on Equity (ROE) | -0.4379% | 6,408 |
| Retained earnings to average equity (ytd only) | -0.4379% | 5,945 |
| Net charge-offs to loans | 0.7353% | 883 |
| Credit loss provision to net charge-offs | 208.1448% | 1,157 |
| Earnings coverage of net charge-offs (x) | 0.9231% | 4,220 |
| Efficiency ratio | 90.1306% | 1,048 |
| Assets per employee ($millions) | 5.3239% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 2,816 |
| Loan loss allowance to noncurrent loans | 37.7491% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 2.9504% | 1,382 |
| Noncurrent loans to loans | 4.4736% | 781 |
| Net loans and leases to total assets | 41.4303% | 5,939 |
| Net loans and leases to deposits | 48.3727% | 5,959 |
| Net loans and leases to core deposits | 52.0727% | 5,883 |
| Total domestic deposits to total assets | 85.6482% | 3,556 |
| Equity capital to assets | 10.1026% | 3,787 |
| Core capital (leverage) ratio | 9.8075% | 3,782 |
| Tier 1 risk-based capital ratio | 18.3150% | 2,206 |
| Total risk-based capital ratio | 19.5657% | 2,170 |
| Memoranda: | ||
| Average total assets | $144,341,670 | 3,867 |
| Average earning assets | $131,178,000 | 3,880 |
| Average equity | $15,073,000 | 3,930 |
| Average total loans | $60,112,000 | 4,670 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 6,090 |
| Cost of funding earning assets | 0.6175% | 2,943 |
| Net interest margin | 2.7135% | 6,196 |
| Noninterest income to average assets | 0.2406% | 5,736 |
| Noninterest expense to average assets | 2.5885% | 4,440 |
| Loan and lease loss provision to assets | 0.3319% | 1,010 |
| Net operating income to assets | -0.0073% | 6,354 |
| Return on assets (ROA) | 0.0830% | 6,269 |
| Pretax return on assets | -0.0719% | 6,459 |
| Return on Equity (ROE) | 0.7818% | 6,264 |
| Retained earnings to average equity (ytd only) | 0.7818% | 5,523 |
| Net charge-offs to loans | 0.5210% | 1,153 |
| Credit loss provision to net charge-offs | 153.8462% | 1,340 |
| Earnings coverage of net charge-offs (x) | 0.5513% | 3,636 |
| Efficiency ratio | 95.6078% | 749 |
| Assets per employee ($millions) | 5.3575% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,376 |
| Loan loss allowance to noncurrent loans | 23.1957% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 4.0760% | 966 |
| Noncurrent loans to loans | 5.9078% | 568 |
| Net loans and leases to total assets | 41.0986% | 5,913 |
| Net loans and leases to deposits | 48.1330% | 5,916 |
| Net loans and leases to core deposits | 50.8020% | 5,910 |
| Total domestic deposits to total assets | 85.3856% | 3,853 |
| Equity capital to assets | 10.5999% | 3,434 |
| Core capital (leverage) ratio | 10.0760% | 3,299 |
| Tier 1 risk-based capital ratio | 18.4063% | 2,228 |
| Total risk-based capital ratio | 19.4751% | 2,244 |
| Memoranda: | ||
| Average total assets | $144,640,000 | 3,900 |
| Average earning assets | $131,491,000 | 3,911 |
| Average equity | $15,348,500 | 3,934 |
| Average total loans | $59,879,500 | 4,711 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 5,809 |
| Cost of funding earning assets | 0.7779% | 2,847 |
| Net interest margin | 3.0285% | 5,982 |
| Noninterest income to average assets | 0.6118% | 3,220 |
| Noninterest expense to average assets | 2.6919% | 4,423 |
| Loan and lease loss provision to assets | 0.3759% | 1,743 |
| Net operating income to assets | 0.3083% | 5,442 |
| Return on assets (ROA) | 0.3280% | 5,585 |
| Pretax return on assets | 0.3302% | 5,766 |
| Return on Equity (ROE) | 2.8767% | 5,602 |
| Retained earnings to average equity (ytd only) | -0.0065% | 5,838 |
| Net charge-offs to loans | 1.6335% | 518 |
| Credit loss provision to net charge-offs | 51.1535% | 4,672 |
| Earnings coverage of net charge-offs (x) | 0.9338% | 5,001 |
| Efficiency ratio | 79.6858% | 2,183 |
| Assets per employee ($millions) | 5.3566% | 1,833 |
| Cash dividends to net income (ytd only)* | 100.2247% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,534 |
| Loan loss allowance to noncurrent loans | 27.0345% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 3.8741% | 1,126 |
| Noncurrent loans to loans | 4.8753% | 838 |
| Net loans and leases to total assets | 40.5862% | 6,130 |
| Net loans and leases to deposits | 47.5515% | 6,137 |
| Net loans and leases to core deposits | 49.9383% | 6,153 |
| Total domestic deposits to total assets | 85.3521% | 3,694 |
| Equity capital to assets | 10.6231% | 3,374 |
| Core capital (leverage) ratio | 10.0327% | 3,355 |
| Tier 1 risk-based capital ratio | 17.7676% | 2,355 |
| Total risk-based capital ratio | 18.7490% | 2,429 |
| Memoranda: | ||
| Average total assets | $135,668,600 | 4,031 |
| Average earning assets | $123,924,600 | 4,020 |
| Average equity | $15,469,200 | 3,865 |
| Average total loans | $61,036,400 | 4,672 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 5,786 |
| Cost of funding earning assets | 0.8121% | 2,845 |
| Net interest margin | 3.0889% | 5,963 |
| Noninterest income to average assets | 0.6445% | 3,017 |
| Noninterest expense to average assets | 2.7260% | 4,263 |
| Loan and lease loss provision to assets | 0.4247% | 1,493 |
| Net operating income to assets | 0.3228% | 5,535 |
| Return on assets (ROA) | 0.3228% | 5,737 |
| Pretax return on assets | 0.3218% | 5,917 |
| Return on Equity (ROE) | 2.7793% | 5,762 |
| Retained earnings to average equity (ytd only) | 0.8432% | 5,826 |
| Net charge-offs to loans | 1.5780% | 533 |
| Credit loss provision to net charge-offs | 58.4594% | 4,190 |
| Earnings coverage of net charge-offs (x) | 1.0275% | 4,803 |
| Efficiency ratio | 78.5036% | 2,314 |
| Assets per employee ($millions) | 5.3232% | 1,810 |
| Cash dividends to net income (ytd only)* | 69.6582% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 3,115 |
| Loan loss allowance to noncurrent loans | 34.6815% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 3.5122% | 1,422 |
| Noncurrent loans to loans | 4.9314% | 922 |
| Net loans and leases to total assets | 40.2364% | 6,260 |
| Net loans and leases to deposits | 47.7570% | 6,276 |
| Net loans and leases to core deposits | 51.0538% | 6,238 |
| Total domestic deposits to total assets | 84.2524% | 4,101 |
| Equity capital to assets | 11.3763% | 2,875 |
| Core capital (leverage) ratio | 10.4978% | 2,914 |
| Tier 1 risk-based capital ratio | 19.7431% | 1,820 |
| Total risk-based capital ratio | 20.9945% | 1,792 |
| Memoranda: | ||
| Average total assets | $133,428,750 | 4,106 |
| Average earning assets | $122,155,250 | 4,101 |
| Average equity | $15,495,500 | 3,898 |
| Average total loans | $61,424,750 | 4,710 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 5,650 |
| Cost of funding earning assets | 0.8483% | 2,808 |
| Net interest margin | 3.1480% | 5,868 |
| Noninterest income to average assets | 0.6268% | 3,087 |
| Noninterest expense to average assets | 2.7077% | 4,378 |
| Loan and lease loss provision to assets | 0.4553% | 1,404 |
| Net operating income to assets | 0.3369% | 5,474 |
| Return on assets (ROA) | 0.3369% | 5,694 |
| Pretax return on assets | 0.3476% | 5,834 |
| Return on Equity (ROE) | 2.8808% | 5,736 |
| Retained earnings to average equity (ytd only) | -0.0389% | 6,039 |
| Net charge-offs to loans | 2.0313% | 402 |
| Credit loss provision to net charge-offs | 46.8750% | 4,105 |
| Earnings coverage of net charge-offs (x) | 0.8266% | 4,646 |
| Efficiency ratio | 77.1293% | 2,573 |
| Assets per employee ($millions) | 5.3537% | 1,761 |
| Cash dividends to net income (ytd only)* | 101.3514% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 3,661 |
| Loan loss allowance to noncurrent loans | 24.5967% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 4.3536% | 1,144 |
| Noncurrent loans to loans | 6.4364% | 655 |
| Net loans and leases to total assets | 43.1957% | 6,091 |
| Net loans and leases to deposits | 51.3086% | 6,073 |
| Net loans and leases to core deposits | 54.9772% | 6,022 |
| Total domestic deposits to total assets | 84.1881% | 4,237 |
| Equity capital to assets | 11.5166% | 2,575 |
| Core capital (leverage) ratio | 10.6565% | 2,652 |
| Tier 1 risk-based capital ratio | 17.7742% | 2,373 |
| Total risk-based capital ratio | 18.9390% | 2,369 |
| Memoranda: | ||
| Average total assets | $131,771,000 | 4,168 |
| Average earning assets | $120,712,000 | 4,153 |
| Average equity | $15,412,330 | 3,909 |
| Average total loans | $63,014,000 | 4,674 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 5,251 |
| Cost of funding earning assets | 0.8750% | 2,871 |
| Net interest margin | 3.2830% | 5,521 |
| Noninterest income to average assets | 0.6915% | 2,703 |
| Noninterest expense to average assets | 2.7445% | 4,265 |
| Loan and lease loss provision to assets | 0.4589% | 1,344 |
| Net operating income to assets | 0.4222% | 5,157 |
| Return on assets (ROA) | 0.4222% | 5,347 |
| Pretax return on assets | 0.4957% | 5,443 |
| Return on Equity (ROE) | 3.5817% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.5817% | 4,429 |
| Net charge-offs to loans | -0.0307% | 6,349 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1935% | 3,072 |
| Assets per employee ($millions) | 5.4816% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2743% | 1,727 |
| Loan loss allowance to noncurrent loans | 42.4993% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 3.3453% | 1,723 |
| Noncurrent loans to loans | 5.3513% | 1,013 |
| Net loans and leases to total assets | 46.5441% | 5,726 |
| Net loans and leases to deposits | 55.2674% | 5,679 |
| Net loans and leases to core deposits | 58.9266% | 5,633 |
| Total domestic deposits to total assets | 84.2162% | 4,390 |
| Equity capital to assets | 11.7293% | 2,239 |
| Core capital (leverage) ratio | 11.0329% | 2,236 |
| Tier 1 risk-based capital ratio | 17.1396% | 2,630 |
| Total risk-based capital ratio | 18.3952% | 2,591 |
| Memoranda: | ||
| Average total assets | $130,735,500 | 4,215 |
| Average earning assets | $119,769,000 | 4,202 |
| Average equity | $15,411,500 | 3,911 |
| Average total loans | $65,149,000 | 4,612 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 4,307 |
| Cost of funding earning assets | 1.0026% | 3,360 |
| Net interest margin | 3.6832% | 4,373 |
| Noninterest income to average assets | 0.6087% | 3,115 |
| Noninterest expense to average assets | 2.7811% | 4,422 |
| Loan and lease loss provision to assets | 0.4812% | 2,199 |
| Net operating income to assets | 0.5193% | 4,345 |
| Return on assets (ROA) | 0.5317% | 4,497 |
| Pretax return on assets | 0.6913% | 4,353 |
| Return on Equity (ROE) | 4.3945% | 4,682 |
| Retained earnings to average equity (ytd only) | 1.5775% | 5,086 |
| Net charge-offs to loans | 1.2264% | 1,366 |
| Credit loss provision to net charge-offs | 68.7285% | 4,899 |
| Earnings coverage of net charge-offs (x) | 1.6518% | 4,532 |
| Efficiency ratio | 70.6314% | 3,826 |
| Assets per employee ($millions) | 5.1965% | 1,949 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 2,638 |
| Loan loss allowance to noncurrent loans | 65.8372% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 2.1830% | 2,752 |
| Noncurrent loans to loans | 2.8519% | 2,292 |
| Net loans and leases to total assets | 51.0884% | 5,449 |
| Net loans and leases to deposits | 60.1673% | 5,462 |
| Net loans and leases to core deposits | 64.5390% | 5,410 |
| Total domestic deposits to total assets | 84.9106% | 3,897 |
| Equity capital to assets | 11.8480% | 2,241 |
| Core capital (leverage) ratio | 11.2755% | 2,062 |
| Tier 1 risk-based capital ratio | 16.6978% | 2,735 |
| Total risk-based capital ratio | 17.9506% | 2,693 |
| Memoranda: | ||
| Average total assets | $124,700,800 | 4,281 |
| Average earning assets | $112,702,400 | 4,313 |
| Average equity | $15,087,200 | 3,890 |
| Average total loans | $71,184,800 | 4,445 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 4,069 |
| Cost of funding earning assets | 1.0341% | 3,435 |
| Net interest margin | 3.7540% | 4,093 |
| Noninterest income to average assets | 0.5381% | 3,594 |
| Noninterest expense to average assets | 2.8039% | 4,327 |
| Loan and lease loss provision to assets | 0.4862% | 2,044 |
| Net operating income to assets | 0.4931% | 4,573 |
| Return on assets (ROA) | 0.5100% | 4,692 |
| Pretax return on assets | 0.6548% | 4,626 |
| Return on Equity (ROE) | 4.1924% | 4,918 |
| Retained earnings to average equity (ytd only) | 2.4160% | 4,915 |
| Net charge-offs to loans | 1.4911% | 974 |
| Credit loss provision to net charge-offs | 55.8313% | 4,901 |
| Earnings coverage of net charge-offs (x) | 1.2854% | 4,652 |
| Efficiency ratio | 71.4679% | 3,658 |
| Assets per employee ($millions) | 5.1656% | 1,972 |
| Cash dividends to net income (ytd only)* | 42.3727% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,417 |
| Loan loss allowance to noncurrent loans | 83.1232% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.9286% | 3,227 |
| Noncurrent loans to loans | 1.9961% | 3,374 |
| Net loans and leases to total assets | 56.7474% | 4,724 |
| Net loans and leases to deposits | 67.2337% | 4,733 |
| Net loans and leases to core deposits | 72.0200% | 4,713 |
| Total domestic deposits to total assets | 84.4032% | 4,050 |
| Equity capital to assets | 12.4534% | 1,948 |
| Core capital (leverage) ratio | 11.6551% | 1,916 |
| Tier 1 risk-based capital ratio | 16.5608% | 2,833 |
| Total risk-based capital ratio | 17.8119% | 2,794 |
| Memoranda: | ||
| Average total assets | $123,398,000 | 4,332 |
| Average earning assets | $111,274,000 | 4,382 |
| Average equity | $15,011,000 | 3,920 |
| Average total loans | $72,071,000 | 4,456 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 4,046 |
| Cost of funding earning assets | 1.0495% | 3,604 |
| Net interest margin | 3.7633% | 3,973 |
| Noninterest income to average assets | 0.4740% | 4,072 |
| Noninterest expense to average assets | 2.8440% | 4,253 |
| Loan and lease loss provision to assets | 0.5682% | 1,704 |
| Net operating income to assets | 0.3753% | 5,053 |
| Return on assets (ROA) | 0.4026% | 5,090 |
| Pretax return on assets | 0.4821% | 5,129 |
| Return on Equity (ROE) | 3.3359% | 5,246 |
| Retained earnings to average equity (ytd only) | 0.6457% | 5,600 |
| Net charge-offs to loans | 2.1980% | 587 |
| Credit loss provision to net charge-offs | 44.0806% | 4,735 |
| Earnings coverage of net charge-offs (x) | 0.7897% | 4,707 |
| Efficiency ratio | 73.6444% | 3,430 |
| Assets per employee ($millions) | 4.3580% | 3,067 |
| Cash dividends to net income (ytd only)* | 80.6452% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,835 |
| Loan loss allowance to noncurrent loans | 78.7249% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.0906% | 3,125 |
| Noncurrent loans to loans | 1.9909% | 3,496 |
| Net loans and leases to total assets | 56.5614% | 4,891 |
| Net loans and leases to deposits | 67.4363% | 4,792 |
| Net loans and leases to core deposits | 73.7390% | 4,608 |
| Total domestic deposits to total assets | 83.8738% | 4,403 |
| Equity capital to assets | 12.3319% | 1,884 |
| Core capital (leverage) ratio | 11.5189% | 1,899 |
| Tier 1 risk-based capital ratio | 16.3114% | 2,827 |
| Total risk-based capital ratio | 17.5612% | 2,799 |
| Memoranda: | ||
| Average total assets | $123,206,000 | 4,359 |
| Average earning assets | $110,913,330 | 4,415 |
| Average equity | $14,868,330 | 3,931 |
| Average total loans | $72,248,330 | 4,495 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 3,785 |
| Cost of funding earning assets | 1.0544% | 3,823 |
| Net interest margin | 3.8024% | 3,604 |
| Noninterest income to average assets | 0.4750% | 4,084 |
| Noninterest expense to average assets | 3.0372% | 3,496 |
| Loan and lease loss provision to assets | 0.6462% | 1,331 |
| Net operating income to assets | 0.2229% | 5,711 |
| Return on assets (ROA) | 0.2229% | 5,773 |
| Pretax return on assets | 0.1939% | 5,952 |
| Return on Equity (ROE) | 1.8676% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.8676% | 4,996 |
| Net charge-offs to loans | 3.3445% | 305 |
| Credit loss provision to net charge-offs | 32.6264% | 4,071 |
| Earnings coverage of net charge-offs (x) | 0.4241% | 4,303 |
| Efficiency ratio | 78.3333% | 2,795 |
| Assets per employee ($millions) | 4.8816% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,751 |
| Loan loss allowance to noncurrent loans | 117.4636% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 2.3230% | 2,923 |
| Noncurrent loans to loans | 1.3577% | 4,446 |
| Net loans and leases to total assets | 57.1337% | 4,779 |
| Net loans and leases to deposits | 68.0340% | 4,676 |
| Net loans and leases to core deposits | 76.4665% | 4,240 |
| Total domestic deposits to total assets | 83.9782% | 4,495 |
| Equity capital to assets | 12.1796% | 1,807 |
| Core capital (leverage) ratio | 11.4844% | 1,857 |
| Tier 1 risk-based capital ratio | 16.1815% | 2,820 |
| Total risk-based capital ratio | 17.4322% | 2,782 |
| Memoranda: | ||
| Average total assets | $123,796,500 | 4,377 |
| Average earning assets | $110,773,000 | 4,449 |
| Average equity | $14,778,500 | 3,943 |
| Average total loans | $73,313,500 | 4,496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 3,959 |
| Cost of funding earning assets | 1.2195% | 4,426 |
| Net interest margin | 3.9106% | 3,434 |
| Noninterest income to average assets | 0.4034% | 4,885 |
| Noninterest expense to average assets | 2.6830% | 5,065 |
| Loan and lease loss provision to assets | 0.4309% | 3,536 |
| Net operating income to assets | 0.5844% | 3,739 |
| Return on assets (ROA) | 0.5844% | 3,902 |
| Pretax return on assets | 0.8241% | 3,554 |
| Return on Equity (ROE) | 5.0467% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.3260% | 4,880 |
| Net charge-offs to loans | 0.4446% | 3,835 |
| Credit loss provision to net charge-offs | 154.9296% | 2,285 |
| Earnings coverage of net charge-offs (x) | 4.5127% | 2,897 |
| Efficiency ratio | 68.1321% | 4,536 |
| Assets per employee ($millions) | 5.0221% | 2,130 |
| Cash dividends to net income (ytd only)* | 73.7265% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0364% | 2,210 |
| Loan loss allowance to noncurrent loans | 56.7697% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.6730% | 2,609 |
| Noncurrent loans to loans | 3.5871% | 2,095 |
| Net loans and leases to total assets | 59.1208% | 4,817 |
| Net loans and leases to deposits | 72.6799% | 4,397 |
| Net loans and leases to core deposits | 81.2354% | 4,017 |
| Total domestic deposits to total assets | 81.3441% | 5,405 |
| Equity capital to assets | 11.7026% | 2,125 |
| Core capital (leverage) ratio | 10.9187% | 2,217 |
| Tier 1 risk-based capital ratio | 15.5812% | 2,963 |
| Total risk-based capital ratio | 16.8371% | 2,921 |
| Memoranda: | ||
| Average total assets | $127,654,400 | 4,323 |
| Average earning assets | $115,379,800 | 4,334 |
| Average equity | $14,781,800 | 3,975 |
| Average total loans | $79,841,800 | 4,348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 3,936 |
| Cost of funding earning assets | 1.2455% | 4,597 |
| Net interest margin | 3.9346% | 3,384 |
| Noninterest income to average assets | 0.3537% | 5,333 |
| Noninterest expense to average assets | 2.6088% | 5,289 |
| Loan and lease loss provision to assets | 0.3641% | 3,710 |
| Net operating income to assets | 0.6564% | 3,618 |
| Return on assets (ROA) | 0.6564% | 3,786 |
| Pretax return on assets | 0.9528% | 3,354 |
| Return on Equity (ROE) | 5.6830% | 3,970 |
| Retained earnings to average equity (ytd only) | 0.7295% | 5,510 |
| Net charge-offs to loans | 0.1253% | 5,300 |
| Credit loss provision to net charge-offs | 460.5263% | 650 |
| Earnings coverage of net charge-offs (x) | 16.6580% | 1,374 |
| Efficiency ratio | 66.4547% | 4,764 |
| Assets per employee ($millions) | 5.5793% | 1,552 |
| Cash dividends to net income (ytd only)* | 87.1641% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 2,287 |
| Loan loss allowance to noncurrent loans | 131.6558% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 4,759 |
| Noncurrent loans to loans | 1.5010% | 4,386 |
| Net loans and leases to total assets | 62.6983% | 4,386 |
| Net loans and leases to deposits | 78.5721% | 3,719 |
| Net loans and leases to core deposits | 91.5095% | 2,872 |
| Total domestic deposits to total assets | 79.7972% | 5,772 |
| Equity capital to assets | 11.5567% | 2,486 |
| Core capital (leverage) ratio | 10.8012% | 2,409 |
| Tier 1 risk-based capital ratio | 14.7732% | 3,353 |
| Total risk-based capital ratio | 16.0293% | 3,336 |
| Memoranda: | ||
| Average total assets | $128,179,750 | 4,368 |
| Average earning assets | $116,365,000 | 4,376 |
| Average equity | $14,804,000 | 4,029 |
| Average total loans | $80,859,500 | 4,389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 4,026 |
| Cost of funding earning assets | 1.2749% | 4,686 |
| Net interest margin | 3.9096% | 3,400 |
| Noninterest income to average assets | 0.1530% | 6,794 |
| Noninterest expense to average assets | 2.6254% | 5,223 |
| Loan and lease loss provision to assets | 0.3122% | 3,880 |
| Net operating income to assets | 0.5198% | 4,239 |
| Return on assets (ROA) | 0.5198% | 4,397 |
| Pretax return on assets | 0.7430% | 4,093 |
| Return on Equity (ROE) | 4.5014% | 4,540 |
| Retained earnings to average equity (ytd only) | 2.1493% | 4,777 |
| Net charge-offs to loans | 0.1914% | 4,466 |
| Credit loss provision to net charge-offs | 259.7403% | 1,464 |
| Earnings coverage of net charge-offs (x) | 8.7792% | 2,099 |
| Efficiency ratio | 71.3316% | 3,936 |
| Assets per employee ($millions) | 5.1491% | 1,985 |
| Cash dividends to net income (ytd only)* | 52.2523% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 2,644 |
| Loan loss allowance to noncurrent loans | 92.6322% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 4,267 |
| Noncurrent loans to loans | 1.9722% | 3,761 |
| Net loans and leases to total assets | 61.4062% | 4,800 |
| Net loans and leases to deposits | 75.0627% | 4,507 |
| Net loans and leases to core deposits | 88.1867% | 3,521 |
| Total domestic deposits to total assets | 81.8066% | 5,065 |
| Equity capital to assets | 11.6362% | 2,330 |
| Core capital (leverage) ratio | 11.0201% | 2,228 |
| Tier 1 risk-based capital ratio | 15.0864% | 3,115 |
| Total risk-based capital ratio | 16.3404% | 3,070 |
| Memoranda: | ||
| Average total assets | $128,131,670 | 4,401 |
| Average earning assets | $115,613,000 | 4,424 |
| Average equity | $14,795,330 | 4,032 |
| Average total loans | $80,453,000 | 4,437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 3,849 |
| Cost of funding earning assets | 1.2849% | 4,906 |
| Net interest margin | 3.9518% | 3,090 |
| Noninterest income to average assets | 0.0407% | 7,513 |
| Noninterest expense to average assets | 2.6816% | 4,990 |
| Loan and lease loss provision to assets | 0.3129% | 3,544 |
| Net operating income to assets | 0.4381% | 4,676 |
| Return on assets (ROA) | 0.4381% | 4,805 |
| Pretax return on assets | 0.6070% | 4,571 |
| Return on Equity (ROE) | 3.8086% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.8086% | 3,857 |
| Net charge-offs to loans | 0.2487% | 3,453 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 5.8800% | 2,319 |
| Efficiency ratio | 74.4570% | 3,498 |
| Assets per employee ($millions) | 4.7391% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 2,949 |
| Loan loss allowance to noncurrent loans | 109.3041% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.9796% | 3,526 |
| Noncurrent loans to loans | 1.5858% | 4,362 |
| Net loans and leases to total assets | 61.9372% | 4,773 |
| Net loans and leases to deposits | 75.6144% | 4,476 |
| Net loans and leases to core deposits | 90.5842% | 3,288 |
| Total domestic deposits to total assets | 81.9119% | 5,111 |
| Equity capital to assets | 11.5703% | 2,312 |
| Core capital (leverage) ratio | 11.0124% | 2,225 |
| Tier 1 risk-based capital ratio | 15.0372% | 3,105 |
| Total risk-based capital ratio | 16.2909% | 3,057 |
| Memoranda: | ||
| Average total assets | $127,833,500 | 4,462 |
| Average earning assets | $115,187,000 | 4,496 |
| Average equity | $14,703,500 | 4,079 |
| Average total loans | $80,420,500 | 4,489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3622% | 4,878 |
| Cost of funding earning assets | 1.8139% | 3,918 |
| Net interest margin | 3.5483% | 4,753 |
| Noninterest income to average assets | 0.5899% | 3,704 |
| Noninterest expense to average assets | 2.6906% | 5,432 |
| Loan and lease loss provision to assets | 0.4936% | 3,903 |
| Net operating income to assets | 0.4456% | 3,947 |
| Return on assets (ROA) | 0.5252% | 3,714 |
| Pretax return on assets | 0.7171% | 3,515 |
| Return on Equity (ROE) | 4.6900% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.5742% | 3,342 |
| Net charge-offs to loans | 0.4909% | 3,807 |
| Credit loss provision to net charge-offs | 150.9662% | 3,058 |
| Earnings coverage of net charge-offs (x) | 3.3696% | 3,373 |
| Efficiency ratio | 70.9496% | 4,449 |
| Assets per employee ($millions) | 4.4038% | 3,102 |
| Cash dividends to net income (ytd only)* | 45.1128% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 2,957 |
| Loan loss allowance to noncurrent loans | 149.6115% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 1.7375% | 3,763 |
| Noncurrent loans to loans | 1.1236% | 5,083 |
| Net loans and leases to total assets | 61.7352% | 5,047 |
| Net loans and leases to deposits | 74.9520% | 4,880 |
| Net loans and leases to core deposits | 109.6383% | 2,937 |
| Total domestic deposits to total assets | 82.3663% | 4,787 |
| Equity capital to assets | 11.4337% | 2,364 |
| Core capital (leverage) ratio | 10.7488% | 2,387 |
| Tier 1 risk-based capital ratio | 14.7728% | 3,061 |
| Total risk-based capital ratio | 16.0256% | 3,013 |
| Memoranda: | ||
| Average total assets | $126,624,400 | 4,411 |
| Average earning assets | $114,281,200 | 4,442 |
| Average equity | $14,179,200 | 4,214 |
| Average total loans | $84,340,200 | 4,371 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 5,050 |
| Cost of funding earning assets | 1.9223% | 3,765 |
| Net interest margin | 3.4565% | 5,043 |
| Noninterest income to average assets | 0.5730% | 3,903 |
| Noninterest expense to average assets | 2.7109% | 5,270 |
| Loan and lease loss provision to assets | 0.4221% | 3,796 |
| Net operating income to assets | 0.3923% | 4,427 |
| Return on assets (ROA) | 0.4632% | 4,250 |
| Pretax return on assets | 0.6627% | 3,976 |
| Return on Equity (ROE) | 4.1590% | 4,320 |
| Retained earnings to average equity (ytd only) | 1.3169% | 4,587 |
| Net charge-offs to loans | 0.5513% | 3,030 |
| Credit loss provision to net charge-offs | 113.3144% | 4,485 |
| Earnings coverage of net charge-offs (x) | 2.6403% | 3,900 |
| Efficiency ratio | 73.3790% | 3,984 |
| Assets per employee ($millions) | 4.7047% | 2,551 |
| Cash dividends to net income (ytd only)* | 68.3370% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,614 |
| Loan loss allowance to noncurrent loans | 233.5306% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 1.4280% | 4,244 |
| Noncurrent loans to loans | 0.6279% | 6,041 |
| Net loans and leases to total assets | 62.6324% | 5,131 |
| Net loans and leases to deposits | 76.7561% | 4,931 |
| Net loans and leases to core deposits | 115.3010% | 2,693 |
| Total domestic deposits to total assets | 81.5992% | 4,833 |
| Equity capital to assets | 11.2716% | 2,771 |
| Core capital (leverage) ratio | 10.7495% | 2,607 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,099 |
| Total risk-based capital ratio | 16.1357% | 3,034 |
| Memoranda: | ||
| Average total assets | $126,353,000 | 4,438 |
| Average earning assets | $114,099,500 | 4,476 |
| Average equity | $14,073,500 | 4,277 |
| Average total loans | $85,377,750 | 4,388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 4,968 |
| Cost of funding earning assets | 2.0204% | 3,679 |
| Net interest margin | 3.4149% | 5,112 |
| Noninterest income to average assets | 0.5772% | 3,854 |
| Noninterest expense to average assets | 2.6862% | 5,438 |
| Loan and lease loss provision to assets | 0.3964% | 3,539 |
| Net operating income to assets | 0.3953% | 4,530 |
| Return on assets (ROA) | 0.4741% | 4,312 |
| Pretax return on assets | 0.6787% | 4,073 |
| Return on Equity (ROE) | 4.2739% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.2739% | 2,925 |
| Net charge-offs to loans | 0.4464% | 3,033 |
| Credit loss provision to net charge-offs | 128.8660% | 3,611 |
| Earnings coverage of net charge-offs (x) | 3.1289% | 3,561 |
| Efficiency ratio | 73.6202% | 4,093 |
| Assets per employee ($millions) | 4.7151% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,713 |
| Loan loss allowance to noncurrent loans | 168.7412% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 4,126 |
| Noncurrent loans to loans | 0.8306% | 5,565 |
| Net loans and leases to total assets | 65.9241% | 4,574 |
| Net loans and leases to deposits | 80.6484% | 4,450 |
| Net loans and leases to core deposits | 118.4525% | 2,505 |
| Total domestic deposits to total assets | 81.7426% | 4,800 |
| Equity capital to assets | 11.1172% | 2,822 |
| Core capital (leverage) ratio | 10.9855% | 2,407 |
| Tier 1 risk-based capital ratio | 14.5025% | 3,242 |
| Total risk-based capital ratio | 15.7531% | 3,187 |
| Memoranda: | ||
| Average total assets | $126,128,330 | 4,474 |
| Average earning assets | $113,445,330 | 4,529 |
| Average equity | $13,992,000 | 4,306 |
| Average total loans | $86,922,330 | 4,366 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4919% | 4,956 |
| Cost of funding earning assets | 2.1796% | 3,265 |
| Net interest margin | 3.3123% | 5,453 |
| Noninterest income to average assets | 0.5162% | 4,172 |
| Noninterest expense to average assets | 2.7497% | 4,782 |
| Loan and lease loss provision to assets | 0.4779% | 2,563 |
| Net operating income to assets | 0.1799% | 5,716 |
| Return on assets (ROA) | 0.3473% | 5,267 |
| Pretax return on assets | 0.4684% | 5,181 |
| Return on Equity (ROE) | 3.1341% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.1341% | 4,130 |
| Net charge-offs to loans | 0.2960% | 2,927 |
| Credit loss provision to net charge-offs | 230.7692% | 1,980 |
| Earnings coverage of net charge-offs (x) | 3.4769% | 3,166 |
| Efficiency ratio | 79.2470% | 2,955 |
| Assets per employee ($millions) | 4.4578% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 3,444 |
| Loan loss allowance to noncurrent loans | 100.9083% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8979% | 3,063 |
| Noncurrent loans to loans | 1.3983% | 4,217 |
| Net loans and leases to total assets | 68.4079% | 4,042 |
| Net loans and leases to deposits | 83.0837% | 4,118 |
| Net loans and leases to core deposits | 123.3207% | 2,134 |
| Total domestic deposits to total assets | 82.3360% | 4,425 |
| Equity capital to assets | 11.2315% | 2,783 |
| Core capital (leverage) ratio | 10.9231% | 2,564 |
| Tier 1 risk-based capital ratio | 14.2614% | 3,449 |
| Total risk-based capital ratio | 15.5117% | 3,380 |
| Memoranda: | ||
| Average total assets | $125,539,000 | 4,508 |
| Average earning assets | $111,947,500 | 4,588 |
| Average equity | $13,911,500 | 4,352 |
| Average total loans | $87,824,000 | 4,366 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2664% | 4,150 |
| Cost of funding earning assets | 2.6846% | 3,232 |
| Net interest margin | 3.5819% | 4,967 |
| Noninterest income to average assets | 0.4922% | 4,664 |
| Noninterest expense to average assets | 2.6388% | 5,496 |
| Loan and lease loss provision to assets | 0.2978% | 4,000 |
| Net operating income to assets | 0.5472% | 4,538 |
| Return on assets (ROA) | 0.5501% | 4,379 |
| Pretax return on assets | 0.7792% | 4,147 |
| Return on Equity (ROE) | 4.9070% | 4,426 |
| Retained earnings to average equity (ytd only) | 3.4312% | 3,006 |
| Net charge-offs to loans | 0.3075% | 3,343 |
| Credit loss provision to net charge-offs | 130.9091% | 4,068 |
| Earnings coverage of net charge-offs (x) | 4.7164% | 3,889 |
| Efficiency ratio | 71.0943% | 4,114 |
| Assets per employee ($millions) | 4.6763% | 2,363 |
| Cash dividends to net income (ytd only)* | 30.0752% | 4,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 3,949 |
| Loan loss allowance to noncurrent loans | 201.2389% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 3,591 |
| Noncurrent loans to loans | 0.6345% | 5,466 |
| Net loans and leases to total assets | 69.6212% | 4,115 |
| Net loans and leases to deposits | 84.6466% | 4,316 |
| Net loans and leases to core deposits | 124.7612% | 2,266 |
| Total domestic deposits to total assets | 82.2492% | 4,101 |
| Equity capital to assets | 10.9331% | 3,098 |
| Core capital (leverage) ratio | 10.8718% | 2,690 |
| Tier 1 risk-based capital ratio | 13.7212% | 3,682 |
| Total risk-based capital ratio | 14.8858% | 3,645 |
| Memoranda: | ||
| Average total assets | $120,887,800 | 4,497 |
| Average earning assets | $108,658,600 | 4,540 |
| Average equity | $13,552,000 | 4,436 |
| Average total loans | $89,437,000 | 4,248 |