Home > The Fahey Banking Company > Performance and Condition Ratios
The Fahey Banking Company, 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 | 5.4750% | 1,198 |
| Cost of funding earning assets | 1.8099% | 1,235 |
| Net interest margin | 3.6651% | 1,822 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.7442% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9204% | 2,486 |
| Return on assets (ROA) | 0.9891% | 2,235 |
| Pretax return on assets | 1.1875% | 2,176 |
| Return on Equity (ROE) | 5.6400% | 3,601 |
| Retained earnings to average equity (ytd only) | 2.4647% | 3,454 |
| Net charge-offs to loans | -0.0785% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.2988% | 1,728 |
| Assets per employee ($millions) | 6.6812% | 2,284 |
| Cash dividends to net income (ytd only)* | 56.3131% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,511 |
| Loan loss allowance to noncurrent loans | 43.2784% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.2787% | 107 |
| Noncurrent loans to loans | 3.1660% | 134 |
| Net loans and leases to total assets | 70.9900% | 1,705 |
| Net loans and leases to deposits | 89.4936% | 1,307 |
| Net loans and leases to core deposits | 114.5270% | 797 |
| Total domestic deposits to total assets | 79.3200% | 3,563 |
| Equity capital to assets | 16.8122% | 397 |
| Core capital (leverage) ratio | 18.6591% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $280,263,200 | 2,523 |
| Average earning assets | $260,291,200 | 2,519 |
| Average equity | $49,133,800 | 1,632 |
| Average total loans | $194,786,400 | 2,322 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 1,648 |
| Cost of funding earning assets | 1.6278% | 1,321 |
| Net interest margin | 3.4641% | 2,301 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.7479% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7727% | 3,103 |
| Return on assets (ROA) | 0.8484% | 2,849 |
| Pretax return on assets | 1.0040% | 2,850 |
| Return on Equity (ROE) | 4.7900% | 3,845 |
| Retained earnings to average equity (ytd only) | 0.5193% | 4,045 |
| Net charge-offs to loans | -0.1112% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.0232% | 1,266 |
| Assets per employee ($millions) | 6.3794% | 2,424 |
| Cash dividends to net income (ytd only)* | 89.1491% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,195 |
| Loan loss allowance to noncurrent loans | 40.4687% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 2.6146% | 88 |
| Noncurrent loans to loans | 3.6323% | 96 |
| Net loans and leases to total assets | 70.9200% | 1,713 |
| Net loans and leases to deposits | 89.7395% | 1,255 |
| Net loans and leases to core deposits | 106.7424% | 985 |
| Total domestic deposits to total assets | 79.0300% | 3,692 |
| Equity capital to assets | 16.9680% | 399 |
| Core capital (leverage) ratio | 19.2337% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $275,165,000 | 2,556 |
| Average earning assets | $255,065,500 | 2,548 |
| Average equity | $48,780,500 | 1,632 |
| Average total loans | $189,384,750 | 2,366 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0657% | 1,427 |
| Cost of funding earning assets | 1.3867% | 1,483 |
| Net interest margin | 3.6790% | 1,854 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.6818% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9368% | 2,626 |
| Return on assets (ROA) | 1.0339% | 2,301 |
| Pretax return on assets | 1.2381% | 2,260 |
| Return on Equity (ROE) | 5.7500% | 3,747 |
| Retained earnings to average equity (ytd only) | 2.1764% | 3,678 |
| Net charge-offs to loans | -0.1696% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.4943% | 1,720 |
| Assets per employee ($millions) | 5.9268% | 2,773 |
| Cash dividends to net income (ytd only)* | 62.1373% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,045 |
| Loan loss allowance to noncurrent loans | 25.0548% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 4.3480% | 35 |
| Noncurrent loans to loans | 6.1754% | 32 |
| Net loans and leases to total assets | 69.3200% | 1,818 |
| Net loans and leases to deposits | 89.4438% | 1,227 |
| Net loans and leases to core deposits | 106.2717% | 973 |
| Total domestic deposits to total assets | 77.5000% | 3,895 |
| Equity capital to assets | 18.0517% | 339 |
| Core capital (leverage) ratio | 20.1451% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $273,322,333 | 2,568 |
| Average earning assets | $253,112,667 | 2,563 |
| Average equity | $49,164,667 | 1,618 |
| Average total loans | $185,163,000 | 2,391 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 1,508 |
| Cost of funding earning assets | 0.9901% | 2,080 |
| Net interest margin | 3.8578% | 1,563 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.7011% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0355% | 2,420 |
| Return on assets (ROA) | 1.0889% | 2,230 |
| Pretax return on assets | 1.3082% | 2,150 |
| Return on Equity (ROE) | 6.0600% | 3,704 |
| Retained earnings to average equity (ytd only) | -1.0826% | 4,133 |
| Net charge-offs to loans | -0.0066% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.4698% | 1,922 |
| Assets per employee ($millions) | 6.1911% | 2,591 |
| Cash dividends to net income (ytd only)* | 117.8523% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,210 |
| Loan loss allowance to noncurrent loans | 61.8138% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.7106% | 170 |
| Noncurrent loans to loans | 2.4518% | 202 |
| Net loans and leases to total assets | 68.7100% | 1,767 |
| Net loans and leases to deposits | 88.9281% | 1,141 |
| Net loans and leases to core deposits | 103.4450% | 944 |
| Total domestic deposits to total assets | 77.2700% | 4,063 |
| Equity capital to assets | 18.5150% | 284 |
| Core capital (leverage) ratio | 20.4431% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $273,667,000 | 2,593 |
| Average earning assets | $253,306,000 | 2,596 |
| Average equity | $49,139,500 | 1,633 |
| Average total loans | $181,767,500 | 2,439 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 1,596 |
| Cost of funding earning assets | 0.5743% | 997 |
| Net interest margin | 3.4735% | 2,015 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.3595% | 2,547 |
| Loan and lease loss provision to assets | -0.1800% | 4,615 |
| Net operating income to assets | 1.2277% | 1,672 |
| Return on assets (ROA) | 0.8366% | 3,125 |
| Pretax return on assets | 0.9845% | 3,119 |
| Return on Equity (ROE) | 4.5900% | 4,078 |
| Retained earnings to average equity (ytd only) | 1.6677% | 4,054 |
| Net charge-offs to loans | -0.0504% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.1448% | 2,344 |
| Assets per employee ($millions) | 6.2471% | 2,557 |
| Cash dividends to net income (ytd only)* | 63.6918% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,011 |
| Loan loss allowance to noncurrent loans | 48.2830% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.0717% | 116 |
| Noncurrent loans to loans | 3.2757% | 123 |
| Net loans and leases to total assets | 62.2500% | 2,406 |
| Net loans and leases to deposits | 75.7449% | 2,117 |
| Net loans and leases to core deposits | 85.3017% | 1,796 |
| Total domestic deposits to total assets | 82.1800% | 3,594 |
| Equity capital to assets | 17.4265% | 320 |
| Core capital (leverage) ratio | 20.1625% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $274,548,600 | 2,577 |
| Average earning assets | $254,065,000 | 2,585 |
| Average equity | $50,009,200 | 1,621 |
| Average total loans | $176,587,200 | 2,401 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 1,733 |
| Cost of funding earning assets | 0.5234% | 666 |
| Net interest margin | 3.2863% | 2,337 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.2703% | 2,719 |
| Loan and lease loss provision to assets | -0.2400% | 4,690 |
| Net operating income to assets | 1.3165% | 1,300 |
| Return on assets (ROA) | 0.7661% | 3,318 |
| Pretax return on assets | 0.8432% | 3,486 |
| Return on Equity (ROE) | 4.1600% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.6048% | 3,891 |
| Net charge-offs to loans | -0.0658% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.3495% | 2,360 |
| Assets per employee ($millions) | 6.1580% | 2,616 |
| Cash dividends to net income (ytd only)* | 37.3724% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 1,114 |
| Loan loss allowance to noncurrent loans | 34.3983% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 3.0149% | 50 |
| Noncurrent loans to loans | 4.5761% | 73 |
| Net loans and leases to total assets | 64.8500% | 1,996 |
| Net loans and leases to deposits | 79.9214% | 1,578 |
| Net loans and leases to core deposits | 91.0955% | 1,227 |
| Total domestic deposits to total assets | 81.1400% | 3,954 |
| Equity capital to assets | 17.7559% | 288 |
| Core capital (leverage) ratio | 19.9911% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $272,906,250 | 2,609 |
| Average earning assets | $252,434,250 | 2,620 |
| Average equity | $50,264,250 | 1,642 |
| Average total loans | $176,285,500 | 2,406 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 1,549 |
| Cost of funding earning assets | 0.4849% | 572 |
| Net interest margin | 3.2110% | 2,153 |
| Noninterest income to average assets | 0.4467% | 2,474 |
| Noninterest expense to average assets | 2.1129% | 3,117 |
| Loan and lease loss provision to assets | -0.3656% | 4,738 |
| Net operating income to assets | 1.4542% | 788 |
| Return on assets (ROA) | 0.6419% | 3,449 |
| Pretax return on assets | 0.7384% | 3,480 |
| Return on Equity (ROE) | 3.4443% | 4,145 |
| Retained earnings to average equity (ytd only) | 1.1455% | 3,961 |
| Net charge-offs to loans | -0.0957% | 4,430 |
| Credit loss provision to net charge-offs | 595.2381% | 576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7917% | 3,069 |
| Assets per employee ($millions) | 5.9533% | 2,785 |
| Cash dividends to net income (ytd only)* | 66.7426% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,118 |
| Loan loss allowance to noncurrent loans | 53.1427% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.0165% | 139 |
| Noncurrent loans to loans | 3.0350% | 163 |
| Net loans and leases to total assets | 65.3683% | 1,771 |
| Net loans and leases to deposits | 82.5853% | 1,207 |
| Net loans and leases to core deposits | 94.3551% | 898 |
| Total domestic deposits to total assets | 79.1525% | 4,289 |
| Equity capital to assets | 18.7306% | 201 |
| Core capital (leverage) ratio | 19.7968% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,557,667 | 2,625 |
| Average earning assets | $253,252,000 | 2,649 |
| Average equity | $50,982,333 | 1,653 |
| Average total loans | $175,542,667 | 2,416 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 1,630 |
| Cost of funding earning assets | 0.4733% | 569 |
| Net interest margin | 3.0849% | 2,223 |
| Noninterest income to average assets | 0.4152% | 2,589 |
| Noninterest expense to average assets | 1.4920% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5534% | 567 |
| Return on assets (ROA) | 0.6615% | 3,171 |
| Pretax return on assets | 0.7632% | 3,217 |
| Return on Equity (ROE) | 3.5578% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.5578% | 3,095 |
| Net charge-offs to loans | -0.0726% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4823% | 4,515 |
| Assets per employee ($millions) | 5.9155% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 783 |
| Loan loss allowance to noncurrent loans | 61.9292% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9315% | 155 |
| Noncurrent loans to loans | 3.0214% | 175 |
| Net loans and leases to total assets | 62.7319% | 1,776 |
| Net loans and leases to deposits | 80.0299% | 1,145 |
| Net loans and leases to core deposits | 91.8474% | 822 |
| Total domestic deposits to total assets | 78.3856% | 4,382 |
| Equity capital to assets | 18.7560% | 202 |
| Core capital (leverage) ratio | 19.1506% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,364,000 | 2,604 |
| Average earning assets | $259,454,500 | 2,612 |
| Average equity | $51,941,500 | 1,679 |
| Average total loans | $176,296,000 | 2,406 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 1,252 |
| Cost of funding earning assets | 0.5579% | 680 |
| Net interest margin | 3.4893% | 1,768 |
| Noninterest income to average assets | 0.4867% | 2,640 |
| Noninterest expense to average assets | 2.4136% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1104% | 2,245 |
| Return on assets (ROA) | 1.1281% | 2,235 |
| Pretax return on assets | 1.3500% | 2,201 |
| Return on Equity (ROE) | 6.2735% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.2092% | 3,130 |
| Net charge-offs to loans | -0.0612% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4902% | 2,481 |
| Assets per employee ($millions) | 6.3692% | 2,435 |
| Cash dividends to net income (ytd only)* | 32.9044% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 858 |
| Loan loss allowance to noncurrent loans | 52.0426% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.1608% | 140 |
| Noncurrent loans to loans | 3.4669% | 146 |
| Net loans and leases to total assets | 61.2013% | 2,043 |
| Net loans and leases to deposits | 78.6889% | 1,329 |
| Net loans and leases to core deposits | 91.4552% | 909 |
| Total domestic deposits to total assets | 77.7763% | 4,418 |
| Equity capital to assets | 18.4378% | 238 |
| Core capital (leverage) ratio | 18.1635% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,324,800 | 2,487 |
| Average earning assets | $269,964,600 | 2,487 |
| Average equity | $52,028,600 | 1,704 |
| Average total loans | $191,115,200 | 2,300 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 1,432 |
| Cost of funding earning assets | 0.5705% | 740 |
| Net interest margin | 3.4771% | 1,935 |
| Noninterest income to average assets | 0.4975% | 2,628 |
| Noninterest expense to average assets | 2.3438% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1660% | 2,297 |
| Return on assets (ROA) | 1.1843% | 2,278 |
| Pretax return on assets | 1.4206% | 2,252 |
| Return on Equity (ROE) | 6.6273% | 3,768 |
| Retained earnings to average equity (ytd only) | 3.8642% | 3,617 |
| Net charge-offs to loans | -0.0940% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6290% | 2,591 |
| Assets per employee ($millions) | 6.5956% | 2,182 |
| Cash dividends to net income (ytd only)* | 41.6925% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 968 |
| Loan loss allowance to noncurrent loans | 56.5278% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.9769% | 190 |
| Noncurrent loans to loans | 3.1504% | 198 |
| Net loans and leases to total assets | 61.6327% | 2,051 |
| Net loans and leases to deposits | 78.7589% | 1,406 |
| Net loans and leases to core deposits | 92.2288% | 919 |
| Total domestic deposits to total assets | 78.2549% | 4,396 |
| Equity capital to assets | 18.0684% | 272 |
| Core capital (leverage) ratio | 17.7407% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,002,750 | 2,500 |
| Average earning assets | $270,641,500 | 2,502 |
| Average equity | $51,824,500 | 1,728 |
| Average total loans | $194,235,500 | 2,309 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 1,651 |
| Cost of funding earning assets | 0.5870% | 796 |
| Net interest margin | 3.3733% | 2,223 |
| Noninterest income to average assets | 0.5191% | 2,533 |
| Noninterest expense to average assets | 2.3887% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0678% | 2,655 |
| Return on assets (ROA) | 1.1072% | 2,583 |
| Pretax return on assets | 1.3229% | 2,571 |
| Return on Equity (ROE) | 6.2279% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.3355% | 3,417 |
| Net charge-offs to loans | -0.1331% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1806% | 2,271 |
| Assets per employee ($millions) | 6.6475% | 2,056 |
| Cash dividends to net income (ytd only)* | 30.3861% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 1,072 |
| Loan loss allowance to noncurrent loans | 42.5885% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 2.5994% | 125 |
| Noncurrent loans to loans | 3.9795% | 139 |
| Net loans and leases to total assets | 64.2129% | 1,923 |
| Net loans and leases to deposits | 82.5100% | 1,173 |
| Net loans and leases to core deposits | 98.2476% | 710 |
| Total domestic deposits to total assets | 77.8244% | 4,446 |
| Equity capital to assets | 17.8096% | 281 |
| Core capital (leverage) ratio | 17.5556% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,113,000 | 2,495 |
| Average earning assets | $270,533,333 | 2,500 |
| Average equity | $51,574,333 | 1,728 |
| Average total loans | $198,278,667 | 2,288 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 1,240 |
| Cost of funding earning assets | 0.6057% | 860 |
| Net interest margin | 3.5718% | 1,658 |
| Noninterest income to average assets | 0.4458% | 2,844 |
| Noninterest expense to average assets | 2.3439% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1985% | 2,155 |
| Return on assets (ROA) | 1.1671% | 2,344 |
| Pretax return on assets | 1.3955% | 2,291 |
| Return on Equity (ROE) | 6.5710% | 3,710 |
| Retained earnings to average equity (ytd only) | 2.7672% | 3,852 |
| Net charge-offs to loans | -0.0139% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0601% | 2,749 |
| Assets per employee ($millions) | 6.4571% | 2,208 |
| Cash dividends to net income (ytd only)* | 57.8885% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,398 |
| Loan loss allowance to noncurrent loans | 37.3934% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.8651% | 113 |
| Noncurrent loans to loans | 4.1706% | 128 |
| Net loans and leases to total assets | 67.6252% | 1,584 |
| Net loans and leases to deposits | 87.8844% | 836 |
| Net loans and leases to core deposits | 109.4959% | 424 |
| Total domestic deposits to total assets | 76.9480% | 4,518 |
| Equity capital to assets | 17.6640% | 268 |
| Core capital (leverage) ratio | 17.8928% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,925,500 | 2,494 |
| Average earning assets | $269,444,000 | 2,494 |
| Average equity | $51,316,000 | 1,727 |
| Average total loans | $201,891,500 | 2,272 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 2,154 |
| Cost of funding earning assets | 0.8638% | 976 |
| Net interest margin | 3.3301% | 2,982 |
| Noninterest income to average assets | 0.4779% | 2,738 |
| Noninterest expense to average assets | 2.3620% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0244% | 2,201 |
| Return on assets (ROA) | 1.0961% | 2,058 |
| Pretax return on assets | 1.3060% | 1,951 |
| Return on Equity (ROE) | 6.3803% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.4159% | 2,584 |
| Net charge-offs to loans | 0.0310% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 55.1563% | 1,118 |
| Efficiency ratio | 65.9299% | 2,546 |
| Assets per employee ($millions) | 6.1124% | 2,244 |
| Cash dividends to net income (ytd only)* | 30.7886% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,510 |
| Loan loss allowance to noncurrent loans | 33.0250% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 3.2856% | 96 |
| Noncurrent loans to loans | 4.6064% | 106 |
| Net loans and leases to total assets | 69.9891% | 1,562 |
| Net loans and leases to deposits | 90.9908% | 853 |
| Net loans and leases to core deposits | 115.6622% | 373 |
| Total domestic deposits to total assets | 76.9188% | 4,421 |
| Equity capital to assets | 17.8591% | 280 |
| Core capital (leverage) ratio | 17.3991% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,200,400 | 2,347 |
| Average earning assets | $269,628,600 | 2,341 |
| Average equity | $49,684,000 | 1,701 |
| Average total loans | $206,585,800 | 2,186 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,314 |
| Cost of funding earning assets | 0.9277% | 971 |
| Net interest margin | 3.2999% | 3,193 |
| Noninterest income to average assets | 0.4607% | 2,784 |
| Noninterest expense to average assets | 2.3681% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9893% | 2,375 |
| Return on assets (ROA) | 0.9799% | 2,551 |
| Pretax return on assets | 1.1580% | 2,535 |
| Return on Equity (ROE) | 5.7603% | 3,632 |
| Retained earnings to average equity (ytd only) | 4.4427% | 2,828 |
| Net charge-offs to loans | 0.0457% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 35.7746% | 1,442 |
| Efficiency ratio | 66.9486% | 2,318 |
| Assets per employee ($millions) | 6.2987% | 2,001 |
| Cash dividends to net income (ytd only)* | 22.8746% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,471 |
| Loan loss allowance to noncurrent loans | 41.0464% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.5618% | 206 |
| Noncurrent loans to loans | 3.5829% | 216 |
| Net loans and leases to total assets | 70.1344% | 1,927 |
| Net loans and leases to deposits | 90.2730% | 1,238 |
| Net loans and leases to core deposits | 112.3517% | 618 |
| Total domestic deposits to total assets | 77.6915% | 4,241 |
| Equity capital to assets | 17.1612% | 359 |
| Core capital (leverage) ratio | 16.7950% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,680,000 | 2,326 |
| Average earning assets | $270,062,500 | 2,328 |
| Average equity | $49,278,500 | 1,702 |
| Average total loans | $207,189,250 | 2,182 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,370 |
| Cost of funding earning assets | 1.0285% | 905 |
| Net interest margin | 3.3093% | 3,359 |
| Noninterest income to average assets | 0.4006% | 3,072 |
| Noninterest expense to average assets | 2.3612% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9634% | 2,446 |
| Return on assets (ROA) | 0.8360% | 3,034 |
| Pretax return on assets | 0.9751% | 3,101 |
| Return on Equity (ROE) | 4.9293% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.9321% | 3,417 |
| Net charge-offs to loans | 0.0243% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 64.6000% | 921 |
| Efficiency ratio | 67.7645% | 2,268 |
| Assets per employee ($millions) | 6.3951% | 1,866 |
| Cash dividends to net income (ytd only)* | 40.5158% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,302 |
| Loan loss allowance to noncurrent loans | 78.3313% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3471% | 747 |
| Noncurrent loans to loans | 1.8956% | 724 |
| Net loans and leases to total assets | 69.4196% | 2,124 |
| Net loans and leases to deposits | 87.9882% | 1,558 |
| Net loans and leases to core deposits | 116.6660% | 510 |
| Total domestic deposits to total assets | 78.8966% | 4,053 |
| Equity capital to assets | 16.6093% | 410 |
| Core capital (leverage) ratio | 16.4555% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,560,000 | 2,325 |
| Average earning assets | $267,975,667 | 2,313 |
| Average equity | $48,770,000 | 1,709 |
| Average total loans | $206,010,667 | 2,174 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 2,065 |
| Cost of funding earning assets | 1.1329% | 951 |
| Net interest margin | 3.4461% | 3,156 |
| Noninterest income to average assets | 0.3985% | 3,117 |
| Noninterest expense to average assets | 2.3839% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0304% | 2,076 |
| Return on assets (ROA) | -0.2548% | 4,845 |
| Pretax return on assets | -0.4085% | 4,864 |
| Return on Equity (ROE) | -1.4857% | 4,820 |
| Retained earnings to average equity (ytd only) | -5.5277% | 4,554 |
| Net charge-offs to loans | 0.0394% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 42.8000% | 998 |
| Efficiency ratio | 66.1794% | 2,936 |
| Assets per employee ($millions) | 6.0228% | 1,660 |
| Cash dividends to net income (ytd only)* | -272.0670% | 5,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,171 |
| Loan loss allowance to noncurrent loans | 867.7686% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 3,995 |
| Noncurrent loans to loans | 0.1794% | 3,834 |
| Net loans and leases to total assets | 70.3507% | 2,195 |
| Net loans and leases to deposits | 90.5298% | 1,449 |
| Net loans and leases to core deposits | 128.5366% | 289 |
| Total domestic deposits to total assets | 77.7099% | 4,264 |
| Equity capital to assets | 16.8985% | 455 |
| Core capital (leverage) ratio | 16.8462% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,054,000 | 2,315 |
| Average earning assets | $261,277,500 | 2,313 |
| Average equity | $48,193,500 | 1,716 |
| Average total loans | $203,115,500 | 2,159 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 2,392 |
| Cost of funding earning assets | 1.3783% | 606 |
| Net interest margin | 3.2996% | 3,988 |
| Noninterest income to average assets | 0.5441% | 2,520 |
| Noninterest expense to average assets | 2.4435% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9819% | 2,906 |
| Return on assets (ROA) | 1.3083% | 1,736 |
| Pretax return on assets | 1.5701% | 1,588 |
| Return on Equity (ROE) | 8.1015% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.2618% | 1,271 |
| Net charge-offs to loans | -0.1574% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4926% | 2,532 |
| Assets per employee ($millions) | 6.0660% | 1,588 |
| Cash dividends to net income (ytd only)* | 10.3641% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,077 |
| Loan loss allowance to noncurrent loans | 1,174.0741% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 4,138 |
| Noncurrent loans to loans | 0.1324% | 3,990 |
| Net loans and leases to total assets | 71.9506% | 2,098 |
| Net loans and leases to deposits | 93.1889% | 1,231 |
| Net loans and leases to core deposits | 131.4142% | 256 |
| Total domestic deposits to total assets | 77.2094% | 4,468 |
| Equity capital to assets | 17.3999% | 420 |
| Core capital (leverage) ratio | 16.7206% | 444 |
| Tier 1 risk-based capital ratio | 20.2978% | 1,280 |
| Total risk-based capital ratio | 21.5487% | 1,257 |
| Memoranda: | ||
| Average total assets | $287,622,200 | 2,239 |
| Average earning assets | $268,150,600 | 2,224 |
| Average equity | $46,448,400 | 1,706 |
| Average total loans | $203,264,600 | 2,147 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 2,553 |
| Cost of funding earning assets | 1.4067% | 566 |
| Net interest margin | 3.2461% | 4,197 |
| Noninterest income to average assets | 0.4868% | 2,816 |
| Noninterest expense to average assets | 2.5022% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8452% | 3,529 |
| Return on assets (ROA) | 1.2193% | 2,203 |
| Pretax return on assets | 1.4581% | 2,084 |
| Return on Equity (ROE) | 7.6939% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.6939% | 1,541 |
| Net charge-offs to loans | -0.2088% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1873% | 1,945 |
| Assets per employee ($millions) | 6.2040% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,149 |
| Loan loss allowance to noncurrent loans | 351.8889% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 3,136 |
| Noncurrent loans to loans | 0.4362% | 3,001 |
| Net loans and leases to total assets | 69.6710% | 2,524 |
| Net loans and leases to deposits | 89.1385% | 1,796 |
| Net loans and leases to core deposits | 121.4662% | 487 |
| Total domestic deposits to total assets | 78.1605% | 4,316 |
| Equity capital to assets | 16.4003% | 569 |
| Core capital (leverage) ratio | 16.2627% | 525 |
| Tier 1 risk-based capital ratio | 20.3127% | 1,319 |
| Total risk-based capital ratio | 21.5639% | 1,281 |
| Memoranda: | ||
| Average total assets | $289,768,750 | 2,233 |
| Average earning assets | $270,311,000 | 2,227 |
| Average equity | $45,922,500 | 1,725 |
| Average total loans | $203,096,250 | 2,160 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 2,395 |
| Cost of funding earning assets | 1.4407% | 460 |
| Net interest margin | 3.2492% | 4,242 |
| Noninterest income to average assets | 0.5091% | 2,626 |
| Noninterest expense to average assets | 2.5321% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8420% | 3,504 |
| Return on assets (ROA) | 1.2318% | 2,088 |
| Pretax return on assets | 1.4718% | 1,945 |
| Return on Equity (ROE) | 7.8649% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.8649% | 1,443 |
| Net charge-offs to loans | 0.0129% | 2,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 112.0769% | 639 |
| Efficiency ratio | 71.5318% | 1,984 |
| Assets per employee ($millions) | 5.7037% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,436 |
| Loan loss allowance to noncurrent loans | 239.6115% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 2,847 |
| Noncurrent loans to loans | 0.6036% | 2,456 |
| Net loans and leases to total assets | 67.7884% | 2,848 |
| Net loans and leases to deposits | 86.7367% | 2,165 |
| Net loans and leases to core deposits | 122.7502% | 468 |
| Total domestic deposits to total assets | 78.1543% | 4,364 |
| Equity capital to assets | 16.3872% | 553 |
| Core capital (leverage) ratio | 15.7961% | 575 |
| Tier 1 risk-based capital ratio | 19.8905% | 1,369 |
| Total risk-based capital ratio | 21.1061% | 1,345 |
| Memoranda: | ||
| Average total assets | $289,163,000 | 2,242 |
| Average earning assets | $269,730,000 | 2,231 |
| Average equity | $45,289,670 | 1,740 |
| Average total loans | $202,022,330 | 2,177 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 2,317 |
| Cost of funding earning assets | 1.4646% | 369 |
| Net interest margin | 3.2059% | 4,373 |
| Noninterest income to average assets | 0.3668% | 3,399 |
| Noninterest expense to average assets | 2.6364% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6073% | 4,214 |
| Return on assets (ROA) | 1.1774% | 2,192 |
| Pretax return on assets | 1.4013% | 2,077 |
| Return on Equity (ROE) | 7.6917% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.6917% | 1,774 |
| Net charge-offs to loans | 0.0078% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 131.5000% | 557 |
| Efficiency ratio | 78.4867% | 1,216 |
| Assets per employee ($millions) | 6.3668% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,747 |
| Loan loss allowance to noncurrent loans | 228.5944% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 2,707 |
| Noncurrent loans to loans | 0.6047% | 2,525 |
| Net loans and leases to total assets | 67.8547% | 2,771 |
| Net loans and leases to deposits | 84.7707% | 2,289 |
| Net loans and leases to core deposits | 125.2094% | 399 |
| Total domestic deposits to total assets | 80.0450% | 4,169 |
| Equity capital to assets | 15.1525% | 725 |
| Core capital (leverage) ratio | 15.1927% | 662 |
| Tier 1 risk-based capital ratio | 18.6271% | 1,624 |
| Total risk-based capital ratio | 19.7923% | 1,608 |
| Memoranda: | ||
| Average total assets | $291,151,500 | 2,242 |
| Average earning assets | $271,747,500 | 2,226 |
| Average equity | $44,567,500 | 1,756 |
| Average total loans | $204,953,500 | 2,178 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 2,404 |
| Cost of funding earning assets | 0.7593% | 1,741 |
| Net interest margin | 3.7606% | 2,823 |
| Noninterest income to average assets | 0.4896% | 2,890 |
| Noninterest expense to average assets | 6.2782% | 122 |
| Loan and lease loss provision to assets | 0.1622% | 1,258 |
| Net operating income to assets | -1.7938% | 5,373 |
| Return on assets (ROA) | -1.7905% | 5,371 |
| Pretax return on assets | -2.3444% | 5,375 |
| Return on Equity (ROE) | -8.7013% | 5,339 |
| Retained earnings to average equity (ytd only) | -19.0724% | 5,369 |
| Net charge-offs to loans | -0.0358% | 4,871 |
| Credit loss provision to net charge-offs | -647.6923% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.4363% | 24 |
| Assets per employee ($millions) | 4.6105% | 3,007 |
| Cash dividends to net income (ytd only)* | -119.1910% | 5,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,652 |
| Loan loss allowance to noncurrent loans | 200.1404% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 2,334 |
| Noncurrent loans to loans | 0.6980% | 2,245 |
| Net loans and leases to total assets | 71.5275% | 2,338 |
| Net loans and leases to deposits | 92.8606% | 1,414 |
| Net loans and leases to core deposits | 122.4474% | 485 |
| Total domestic deposits to total assets | 77.0267% | 4,628 |
| Equity capital to assets | 15.6681% | 590 |
| Core capital (leverage) ratio | 16.1611% | 493 |
| Tier 1 risk-based capital ratio | 19.5841% | 1,389 |
| Total risk-based capital ratio | 20.7978% | 1,363 |
| Memoranda: | ||
| Average total assets | $259,597,800 | 2,404 |
| Average earning assets | $248,657,200 | 2,350 |
| Average equity | $53,417,600 | 1,434 |
| Average total loans | $181,788,000 | 2,319 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,600 |
| Cost of funding earning assets | 0.6176% | 2,359 |
| Net interest margin | 3.7906% | 2,683 |
| Noninterest income to average assets | 0.4747% | 3,015 |
| Noninterest expense to average assets | 3.4666% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5803% | 4,551 |
| Return on assets (ROA) | 0.5854% | 4,549 |
| Pretax return on assets | 0.6646% | 4,615 |
| Return on Equity (ROE) | 2.6687% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.1091% | 4,540 |
| Net charge-offs to loans | -0.0492% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0305% | 637 |
| Assets per employee ($millions) | 4.9508% | 2,532 |
| Cash dividends to net income (ytd only)* | 20.9676% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,505 |
| Loan loss allowance to noncurrent loans | 202.4167% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 2,792 |
| Noncurrent loans to loans | 0.6029% | 2,570 |
| Net loans and leases to total assets | 69.6680% | 2,697 |
| Net loans and leases to deposits | 89.7045% | 1,938 |
| Net loans and leases to core deposits | 115.9965% | 715 |
| Total domestic deposits to total assets | 77.6639% | 4,536 |
| Equity capital to assets | 19.8633% | 236 |
| Core capital (leverage) ratio | 20.7511% | 204 |
| Tier 1 risk-based capital ratio | 25.0749% | 747 |
| Total risk-based capital ratio | 26.1416% | 742 |
| Memoranda: | ||
| Average total assets | $254,187,250 | 2,461 |
| Average earning assets | $244,810,250 | 2,391 |
| Average equity | $55,755,750 | 1,406 |
| Average total loans | $176,231,500 | 2,374 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,696 |
| Cost of funding earning assets | 0.4795% | 3,163 |
| Net interest margin | 3.8432% | 2,405 |
| Noninterest income to average assets | 0.4852% | 2,945 |
| Noninterest expense to average assets | 3.5025% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6333% | 4,398 |
| Return on assets (ROA) | 0.6404% | 4,385 |
| Pretax return on assets | 0.7360% | 4,419 |
| Return on Equity (ROE) | 2.8173% | 5,051 |
| Retained earnings to average equity (ytd only) | 1.9764% | 4,468 |
| Net charge-offs to loans | -0.0878% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7959% | 781 |
| Assets per employee ($millions) | 4.8156% | 2,661 |
| Cash dividends to net income (ytd only)* | 29.8469% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,171 |
| Loan loss allowance to noncurrent loans | 82.9534% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1814% | 1,219 |
| Noncurrent loans to loans | 1.5670% | 1,045 |
| Net loans and leases to total assets | 71.1890% | 2,412 |
| Net loans and leases to deposits | 93.5909% | 1,405 |
| Net loans and leases to core deposits | 118.7595% | 602 |
| Total domestic deposits to total assets | 76.0641% | 4,849 |
| Equity capital to assets | 21.3556% | 180 |
| Core capital (leverage) ratio | 22.3830% | 151 |
| Tier 1 risk-based capital ratio | 26.9688% | 610 |
| Total risk-based capital ratio | 28.1270% | 606 |
| Memoranda: | ||
| Average total assets | $244,851,670 | 2,535 |
| Average earning assets | $238,601,670 | 2,443 |
| Average equity | $55,656,670 | 1,410 |
| Average total loans | $168,632,670 | 2,475 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,725 |
| Cost of funding earning assets | 0.3690% | 3,839 |
| Net interest margin | 3.8768% | 2,134 |
| Noninterest income to average assets | 0.4232% | 3,288 |
| Noninterest expense to average assets | 3.5472% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5721% | 4,507 |
| Return on assets (ROA) | 0.5766% | 4,499 |
| Pretax return on assets | 0.6541% | 4,562 |
| Return on Equity (ROE) | 2.4552% | 5,117 |
| Retained earnings to average equity (ytd only) | 2.4552% | 4,189 |
| Net charge-offs to loans | -0.0025% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5319% | 760 |
| Assets per employee ($millions) | 4.8359% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,782 |
| Loan loss allowance to noncurrent loans | 80.3602% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 831 |
| Noncurrent loans to loans | 1.7600% | 969 |
| Net loans and leases to total assets | 68.1777% | 2,745 |
| Net loans and leases to deposits | 91.9127% | 1,461 |
| Net loans and leases to core deposits | 101.3165% | 1,585 |
| Total domestic deposits to total assets | 74.1766% | 5,133 |
| Equity capital to assets | 22.9445% | 139 |
| Core capital (leverage) ratio | 24.0652% | 120 |
| Tier 1 risk-based capital ratio | 29.7915% | 482 |
| Total risk-based capital ratio | 31.0373% | 470 |
| Memoranda: | ||
| Average total assets | $237,257,500 | 2,611 |
| Average earning assets | $230,911,000 | 2,525 |
| Average equity | $55,718,500 | 1,410 |
| Average total loans | $159,170,000 | 2,577 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 2,079 |
| Cost of funding earning assets | 0.2533% | 4,533 |
| Net interest margin | 4.1276% | 1,354 |
| Noninterest income to average assets | 0.4455% | 3,338 |
| Noninterest expense to average assets | 3.0160% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9498% | 2,449 |
| Return on assets (ROA) | 0.9587% | 2,446 |
| Pretax return on assets | 1.4567% | 1,794 |
| Return on Equity (ROE) | 3.9038% | 4,535 |
| Retained earnings to average equity (ytd only) | 3.4801% | 3,195 |
| Net charge-offs to loans | -0.1732% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6339% | 2,974 |
| Assets per employee ($millions) | 4.5631% | 3,088 |
| Cash dividends to net income (ytd only)* | 10.8534% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,231 |
| Loan loss allowance to noncurrent loans | 78.7475% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.7063% | 750 |
| Noncurrent loans to loans | 1.9864% | 771 |
| Net loans and leases to total assets | 63.9226% | 3,377 |
| Net loans and leases to deposits | 86.1229% | 2,249 |
| Net loans and leases to core deposits | 103.0237% | 1,484 |
| Total domestic deposits to total assets | 74.2226% | 5,162 |
| Equity capital to assets | 24.0453% | 114 |
| Core capital (leverage) ratio | 23.7532% | 115 |
| Tier 1 risk-based capital ratio | 29.6529% | 472 |
| Total risk-based capital ratio | 30.9029% | 467 |
| Memoranda: | ||
| Average total assets | $224,899,200 | 2,683 |
| Average earning assets | $218,700,600 | 2,591 |
| Average equity | $55,228,800 | 1,402 |
| Average total loans | $140,302,800 | 2,777 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 2,017 |
| Cost of funding earning assets | 0.2346% | 4,710 |
| Net interest margin | 4.1444% | 1,290 |
| Noninterest income to average assets | 0.4545% | 3,310 |
| Noninterest expense to average assets | 2.8760% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1575% | 1,853 |
| Return on assets (ROA) | 1.1704% | 1,842 |
| Pretax return on assets | 1.6225% | 1,345 |
| Return on Equity (ROE) | 4.7401% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.7401% | 3,055 |
| Net charge-offs to loans | -0.2820% | 5,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1885% | 3,508 |
| Assets per employee ($millions) | 5.4652% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,223 |
| Loan loss allowance to noncurrent loans | 63.9279% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 660 |
| Noncurrent loans to loans | 2.5132% | 609 |
| Net loans and leases to total assets | 62.8571% | 3,564 |
| Net loans and leases to deposits | 84.0987% | 2,548 |
| Net loans and leases to core deposits | 95.8771% | 2,088 |
| Total domestic deposits to total assets | 74.7420% | 5,159 |
| Equity capital to assets | 24.0282% | 120 |
| Core capital (leverage) ratio | 24.7451% | 101 |
| Tier 1 risk-based capital ratio | 29.8815% | 478 |
| Total risk-based capital ratio | 31.1322% | 475 |
| Memoranda: | ||
| Average total assets | $222,944,250 | 2,723 |
| Average earning assets | $216,578,250 | 2,629 |
| Average equity | $55,046,500 | 1,420 |
| Average total loans | $137,597,500 | 2,833 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,606 |
| Cost of funding earning assets | 0.2317% | 4,699 |
| Net interest margin | 3.9338% | 1,831 |
| Noninterest income to average assets | 0.4842% | 3,118 |
| Noninterest expense to average assets | 3.0166% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9435% | 2,699 |
| Return on assets (ROA) | 0.9638% | 2,647 |
| Pretax return on assets | 1.3100% | 2,350 |
| Return on Equity (ROE) | 3.8664% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.8664% | 3,393 |
| Net charge-offs to loans | -0.1394% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1657% | 2,647 |
| Assets per employee ($millions) | 5.2260% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 1,117 |
| Loan loss allowance to noncurrent loans | 59.5802% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.3643% | 484 |
| Noncurrent loans to loans | 2.8000% | 498 |
| Net loans and leases to total assets | 58.0718% | 4,024 |
| Net loans and leases to deposits | 77.3355% | 3,177 |
| Net loans and leases to core deposits | 89.0292% | 2,614 |
| Total domestic deposits to total assets | 75.0908% | 5,192 |
| Equity capital to assets | 24.7833% | 104 |
| Core capital (leverage) ratio | 24.6749% | 103 |
| Tier 1 risk-based capital ratio | 30.7014% | 441 |
| Total risk-based capital ratio | 31.9323% | 441 |
| Memoranda: | ||
| Average total assets | $218,924,670 | 2,781 |
| Average earning assets | $212,313,330 | 2,675 |
| Average equity | $54,573,000 | 1,437 |
| Average total loans | $133,420,670 | 2,892 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,567 |
| Cost of funding earning assets | 0.2295% | 4,723 |
| Net interest margin | 3.8958% | 1,792 |
| Noninterest income to average assets | 0.4777% | 3,139 |
| Noninterest expense to average assets | 2.8459% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0136% | 2,249 |
| Return on assets (ROA) | 1.0536% | 2,108 |
| Pretax return on assets | 1.4591% | 1,667 |
| Return on Equity (ROE) | 4.2138% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.2138% | 3,347 |
| Net charge-offs to loans | -0.1405% | 5,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9717% | 3,346 |
| Assets per employee ($millions) | 5.0972% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,312 |
| Loan loss allowance to noncurrent loans | 69.1547% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.4131% | 494 |
| Noncurrent loans to loans | 2.3561% | 694 |
| Net loans and leases to total assets | 59.7181% | 3,815 |
| Net loans and leases to deposits | 79.7005% | 2,788 |
| Net loans and leases to core deposits | 89.7908% | 2,367 |
| Total domestic deposits to total assets | 74.9281% | 5,338 |
| Equity capital to assets | 24.8834% | 105 |
| Core capital (leverage) ratio | 25.3593% | 94 |
| Tier 1 risk-based capital ratio | 32.0617% | 412 |
| Total risk-based capital ratio | 33.3117% | 406 |
| Memoranda: | ||
| Average total assets | $216,027,000 | 2,826 |
| Average earning assets | $209,148,500 | 2,733 |
| Average equity | $54,013,000 | 1,443 |
| Average total loans | $133,774,500 | 2,902 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 2,656 |
| Cost of funding earning assets | 0.2307% | 4,732 |
| Net interest margin | 3.9202% | 1,899 |
| Noninterest income to average assets | 0.6400% | 2,459 |
| Noninterest expense to average assets | 2.8255% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1931% | 1,534 |
| Return on assets (ROA) | 1.1931% | 1,624 |
| Pretax return on assets | 1.5991% | 1,285 |
| Return on Equity (ROE) | 4.7882% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.7524% | 2,507 |
| Net charge-offs to loans | -0.2280% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8594% | 3,960 |
| Assets per employee ($millions) | 4.8381% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.7483% | 4,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,430 |
| Loan loss allowance to noncurrent loans | 66.1985% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.3803% | 517 |
| Noncurrent loans to loans | 2.3823% | 677 |
| Net loans and leases to total assets | 62.1822% | 3,592 |
| Net loans and leases to deposits | 83.2417% | 2,508 |
| Net loans and leases to core deposits | 97.4498% | 1,805 |
| Total domestic deposits to total assets | 74.7008% | 5,382 |
| Equity capital to assets | 25.1259% | 100 |
| Core capital (leverage) ratio | 25.1099% | 99 |
| Tier 1 risk-based capital ratio | 31.6611% | 421 |
| Total risk-based capital ratio | 32.9008% | 418 |
| Memoranda: | ||
| Average total assets | $212,810,200 | 2,828 |
| Average earning assets | $205,448,200 | 2,733 |
| Average equity | $53,026,200 | 1,450 |
| Average total loans | $130,291,600 | 2,917 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 2,730 |
| Cost of funding earning assets | 0.2286% | 4,801 |
| Net interest margin | 3.9092% | 1,945 |
| Noninterest income to average assets | 0.5959% | 2,681 |
| Noninterest expense to average assets | 2.9010% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0990% | 2,000 |
| Return on assets (ROA) | 1.0990% | 2,102 |
| Pretax return on assets | 1.4662% | 1,827 |
| Return on Equity (ROE) | 4.4199% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.4199% | 3,186 |
| Net charge-offs to loans | -0.1692% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4275% | 3,516 |
| Assets per employee ($millions) | 4.9103% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,793 |
| Loan loss allowance to noncurrent loans | 60.5728% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 2.4503% | 563 |
| Noncurrent loans to loans | 2.4609% | 720 |
| Net loans and leases to total assets | 60.8075% | 3,768 |
| Net loans and leases to deposits | 81.4539% | 2,805 |
| Net loans and leases to core deposits | 94.7674% | 2,124 |
| Total domestic deposits to total assets | 74.6526% | 5,373 |
| Equity capital to assets | 25.1780% | 102 |
| Core capital (leverage) ratio | 25.0727% | 98 |
| Tier 1 risk-based capital ratio | 31.7220% | 422 |
| Total risk-based capital ratio | 32.9029% | 415 |
| Memoranda: | ||
| Average total assets | $212,793,750 | 2,843 |
| Average earning assets | $205,290,750 | 2,747 |
| Average equity | $52,911,000 | 1,459 |
| Average total loans | $129,241,500 | 2,939 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 2,626 |
| Cost of funding earning assets | 0.2296% | 4,856 |
| Net interest margin | 3.9337% | 1,868 |
| Noninterest income to average assets | 0.6065% | 2,587 |
| Noninterest expense to average assets | 2.9465% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0959% | 1,972 |
| Return on assets (ROA) | 1.0959% | 2,094 |
| Pretax return on assets | 1.4473% | 1,846 |
| Return on Equity (ROE) | 4.4262% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.4262% | 3,097 |
| Net charge-offs to loans | -0.0594% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0608% | 3,526 |
| Assets per employee ($millions) | 4.8295% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,972 |
| Loan loss allowance to noncurrent loans | 44.1441% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 2.9647% | 416 |
| Noncurrent loans to loans | 3.3371% | 408 |
| Net loans and leases to total assets | 58.6042% | 4,059 |
| Net loans and leases to deposits | 78.5416% | 3,101 |
| Net loans and leases to core deposits | 89.6618% | 2,567 |
| Total domestic deposits to total assets | 74.6155% | 5,460 |
| Equity capital to assets | 25.2198% | 99 |
| Core capital (leverage) ratio | 24.6482% | 99 |
| Tier 1 risk-based capital ratio | 32.8809% | 388 |
| Total risk-based capital ratio | 34.0402% | 385 |
| Memoranda: | ||
| Average total assets | $211,707,000 | 2,870 |
| Average earning assets | $203,826,670 | 2,770 |
| Average equity | $52,415,330 | 1,477 |
| Average total loans | $127,867,000 | 2,970 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,154 |
| Cost of funding earning assets | 0.2275% | 4,929 |
| Net interest margin | 3.7915% | 2,318 |
| Noninterest income to average assets | 0.5944% | 2,567 |
| Noninterest expense to average assets | 3.3089% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7837% | 3,324 |
| Return on assets (ROA) | 0.7837% | 3,432 |
| Pretax return on assets | 0.9446% | 3,676 |
| Return on Equity (ROE) | 3.1952% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.1952% | 3,906 |
| Net charge-offs to loans | 0.8958% | 221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.7326% | 2,778 |
| Efficiency ratio | 77.7926% | 1,923 |
| Assets per employee ($millions) | 4.7739% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 3,645 |
| Loan loss allowance to noncurrent loans | 36.4154% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 3.0667% | 408 |
| Noncurrent loans to loans | 3.2221% | 465 |
| Net loans and leases to total assets | 60.2225% | 3,742 |
| Net loans and leases to deposits | 79.7034% | 2,836 |
| Net loans and leases to core deposits | 89.9999% | 2,372 |
| Total domestic deposits to total assets | 75.5582% | 5,462 |
| Equity capital to assets | 24.3100% | 107 |
| Core capital (leverage) ratio | 24.6987% | 97 |
| Tier 1 risk-based capital ratio | 30.9295% | 466 |
| Total risk-based capital ratio | 31.8420% | 473 |
| Memoranda: | ||
| Average total assets | $211,310,500 | 2,882 |
| Average earning assets | $203,931,000 | 2,775 |
| Average equity | $51,827,000 | 1,484 |
| Average total loans | $128,602,500 | 2,955 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,222 |
| Cost of funding earning assets | 0.2254% | 5,042 |
| Net interest margin | 4.4213% | 759 |
| Noninterest income to average assets | 1.6781% | 466 |
| Noninterest expense to average assets | 2.8522% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.1361% | 273 |
| Return on assets (ROA) | 2.1361% | 280 |
| Pretax return on assets | 3.0731% | 115 |
| Return on Equity (ROE) | 9.0810% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.0423% | 641 |
| Net charge-offs to loans | 0.1142% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 42.4834% | 1,122 |
| Efficiency ratio | 48.1365% | 5,837 |
| Assets per employee ($millions) | 4.5173% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.4261% | 4,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 2,233 |
| Loan loss allowance to noncurrent loans | 36.1761% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 3.6897% | 304 |
| Noncurrent loans to loans | 3.9922% | 306 |
| Net loans and leases to total assets | 59.9011% | 3,853 |
| Net loans and leases to deposits | 82.9985% | 2,475 |
| Net loans and leases to core deposits | 91.9461% | 2,231 |
| Total domestic deposits to total assets | 72.1713% | 5,792 |
| Equity capital to assets | 24.7502% | 97 |
| Core capital (leverage) ratio | 24.9394% | 91 |
| Tier 1 risk-based capital ratio | 36.8031% | 285 |
| Total risk-based capital ratio | 38.0537% | 283 |
| Memoranda: | ||
| Average total assets | $208,748,800 | 2,863 |
| Average earning assets | $200,528,400 | 2,770 |
| Average equity | $49,102,600 | 1,524 |
| Average total loans | $132,167,600 | 2,853 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 1,731 |
| Cost of funding earning assets | 0.2287% | 5,104 |
| Net interest margin | 4.2300% | 1,106 |
| Noninterest income to average assets | 1.1643% | 884 |
| Noninterest expense to average assets | 2.9392% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6173% | 743 |
| Return on assets (ROA) | 1.6173% | 769 |
| Pretax return on assets | 2.2846% | 344 |
| Return on Equity (ROE) | 6.9659% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.9659% | 1,704 |
| Net charge-offs to loans | -0.0100% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2653% | 5,318 |
| Assets per employee ($millions) | 4.6772% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 1,923 |
| Loan loss allowance to noncurrent loans | 32.9133% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 4.2057% | 271 |
| Noncurrent loans to loans | 4.7477% | 230 |
| Net loans and leases to total assets | 59.4107% | 3,948 |
| Net loans and leases to deposits | 78.6960% | 3,019 |
| Net loans and leases to core deposits | 87.6493% | 2,689 |
| Total domestic deposits to total assets | 75.4939% | 5,569 |
| Equity capital to assets | 23.6713% | 117 |
| Core capital (leverage) ratio | 23.3613% | 116 |
| Tier 1 risk-based capital ratio | 35.8302% | 331 |
| Total risk-based capital ratio | 37.0820% | 330 |
| Memoranda: | ||
| Average total assets | $208,987,000 | 2,887 |
| Average earning assets | $200,561,750 | 2,796 |
| Average equity | $48,520,750 | 1,541 |
| Average total loans | $133,635,500 | 2,838 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,405 |
| Cost of funding earning assets | 0.2290% | 5,159 |
| Net interest margin | 4.3206% | 882 |
| Noninterest income to average assets | 1.4619% | 595 |
| Noninterest expense to average assets | 3.0562% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7929% | 526 |
| Return on assets (ROA) | 1.7929% | 548 |
| Pretax return on assets | 2.5507% | 237 |
| Return on Equity (ROE) | 7.7734% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.7734% | 1,354 |
| Net charge-offs to loans | -0.0486% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5081% | 5,546 |
| Assets per employee ($millions) | 4.8569% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,256 |
| Loan loss allowance to noncurrent loans | 29.8144% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 4.4519% | 267 |
| Noncurrent loans to loans | 5.0654% | 220 |
| Net loans and leases to total assets | 61.2770% | 3,657 |
| Net loans and leases to deposits | 80.2923% | 2,747 |
| Net loans and leases to core deposits | 92.3941% | 2,117 |
| Total domestic deposits to total assets | 76.3174% | 5,557 |
| Equity capital to assets | 22.8694% | 128 |
| Core capital (leverage) ratio | 23.1583% | 116 |
| Tier 1 risk-based capital ratio | 34.0988% | 389 |
| Total risk-based capital ratio | 35.3508% | 387 |
| Memoranda: | ||
| Average total assets | $208,491,330 | 2,909 |
| Average earning assets | $200,019,670 | 2,818 |
| Average equity | $48,087,000 | 1,559 |
| Average total loans | $135,837,670 | 2,815 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 1,656 |
| Cost of funding earning assets | 0.2312% | 5,199 |
| Net interest margin | 4.1992% | 1,059 |
| Noninterest income to average assets | 0.4546% | 3,606 |
| Noninterest expense to average assets | 3.1280% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0025% | 2,258 |
| Return on assets (ROA) | 1.0025% | 2,392 |
| Pretax return on assets | 1.3503% | 2,072 |
| Return on Equity (ROE) | 4.3276% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.3276% | 3,416 |
| Net charge-offs to loans | -0.0087% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8482% | 3,516 |
| Assets per employee ($millions) | 4.5465% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 2,747 |
| Loan loss allowance to noncurrent loans | 25.7787% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 5.1860% | 233 |
| Noncurrent loans to loans | 5.5809% | 209 |
| Net loans and leases to total assets | 64.7931% | 2,978 |
| Net loans and leases to deposits | 85.6849% | 1,873 |
| Net loans and leases to core deposits | 99.0628% | 1,388 |
| Total domestic deposits to total assets | 75.6179% | 5,775 |
| Equity capital to assets | 23.0309% | 126 |
| Core capital (leverage) ratio | 23.2931% | 112 |
| Tier 1 risk-based capital ratio | 33.1203% | 418 |
| Total risk-based capital ratio | 34.3917% | 415 |
| Memoranda: | ||
| Average total assets | $205,884,500 | 2,953 |
| Average earning assets | $197,273,500 | 2,871 |
| Average equity | $47,694,000 | 1,579 |
| Average total loans | $137,276,500 | 2,785 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,405 |
| Cost of funding earning assets | 0.2628% | 5,192 |
| Net interest margin | 4.0880% | 1,616 |
| Noninterest income to average assets | 1.5851% | 504 |
| Noninterest expense to average assets | 4.0139% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0659% | 2,105 |
| Return on assets (ROA) | 1.0831% | 2,095 |
| Pretax return on assets | 1.4759% | 1,635 |
| Return on Equity (ROE) | 4.7107% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.6693% | 2,841 |
| Net charge-offs to loans | 0.3548% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.0522% | 3,283 |
| Efficiency ratio | 73.4305% | 2,941 |
| Assets per employee ($millions) | 4.2214% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.8788% | 4,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 2,735 |
| Loan loss allowance to noncurrent loans | 31.1220% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 4.7279% | 310 |
| Noncurrent loans to loans | 4.6299% | 351 |
| Net loans and leases to total assets | 66.6695% | 2,774 |
| Net loans and leases to deposits | 88.4265% | 1,686 |
| Net loans and leases to core deposits | 103.0183% | 1,182 |
| Total domestic deposits to total assets | 75.3953% | 5,811 |
| Equity capital to assets | 23.3043% | 124 |
| Core capital (leverage) ratio | 23.0160% | 120 |
| Tier 1 risk-based capital ratio | 28.6526% | 588 |
| Total risk-based capital ratio | 29.8516% | 571 |
| Memoranda: | ||
| Average total assets | $199,605,600 | 3,005 |
| Average earning assets | $189,504,200 | 2,910 |
| Average equity | $45,895,400 | 1,565 |
| Average total loans | $135,002,000 | 2,775 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3507% | 2,420 |
| Cost of funding earning assets | 0.2676% | 5,233 |
| Net interest margin | 4.0831% | 1,631 |
| Noninterest income to average assets | 1.5844% | 508 |
| Noninterest expense to average assets | 4.1089% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9956% | 2,464 |
| Return on assets (ROA) | 0.9877% | 2,577 |
| Pretax return on assets | 1.3316% | 2,268 |
| Return on Equity (ROE) | 4.3103% | 5,037 |
| Retained earnings to average equity (ytd only) | 4.3103% | 3,587 |
| Net charge-offs to loans | 0.4372% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.5397% | 3,432 |
| Efficiency ratio | 75.3752% | 2,602 |
| Assets per employee ($millions) | 4.4344% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 2,678 |
| Loan loss allowance to noncurrent loans | 30.8506% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 5.5922% | 266 |
| Noncurrent loans to loans | 4.8838% | 389 |
| Net loans and leases to total assets | 64.5124% | 3,109 |
| Net loans and leases to deposits | 84.3810% | 2,098 |
| Net loans and leases to core deposits | 100.9745% | 1,296 |
| Total domestic deposits to total assets | 76.4537% | 5,758 |
| Equity capital to assets | 22.8364% | 135 |
| Core capital (leverage) ratio | 22.6482% | 129 |
| Tier 1 risk-based capital ratio | 28.8572% | 590 |
| Total risk-based capital ratio | 30.0599% | 583 |
| Memoranda: | ||
| Average total assets | $198,850,000 | 3,035 |
| Average earning assets | $188,317,500 | 2,955 |
| Average equity | $45,564,000 | 1,578 |
| Average total loans | $134,486,000 | 2,797 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,402 |
| Cost of funding earning assets | 0.2670% | 5,319 |
| Net interest margin | 4.0789% | 1,580 |
| Noninterest income to average assets | 1.5410% | 522 |
| Noninterest expense to average assets | 4.1737% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9171% | 2,720 |
| Return on assets (ROA) | 0.9049% | 2,880 |
| Pretax return on assets | 1.2103% | 2,627 |
| Return on Equity (ROE) | 3.9447% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.9447% | 3,671 |
| Net charge-offs to loans | 0.1380% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,013 |
| Efficiency ratio | 77.2872% | 2,408 |
| Assets per employee ($millions) | 4.0271% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 1,905 |
| Loan loss allowance to noncurrent loans | 37.5179% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 5.6025% | 298 |
| Noncurrent loans to loans | 4.7334% | 447 |
| Net loans and leases to total assets | 64.8546% | 2,933 |
| Net loans and leases to deposits | 84.9519% | 1,937 |
| Net loans and leases to core deposits | 102.6224% | 1,098 |
| Total domestic deposits to total assets | 76.3428% | 5,874 |
| Equity capital to assets | 22.8636% | 127 |
| Core capital (leverage) ratio | 22.8849% | 116 |
| Tier 1 risk-based capital ratio | 28.2925% | 627 |
| Total risk-based capital ratio | 29.5050% | 614 |
| Memoranda: | ||
| Average total assets | $197,139,670 | 3,068 |
| Average earning assets | $186,522,670 | 2,995 |
| Average equity | $45,224,670 | 1,581 |
| Average total loans | $134,779,330 | 2,799 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 2,025 |
| Cost of funding earning assets | 0.2605% | 5,482 |
| Net interest margin | 4.1698% | 1,295 |
| Noninterest income to average assets | 0.6973% | 2,182 |
| Noninterest expense to average assets | 3.2918% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9858% | 2,265 |
| Return on assets (ROA) | 0.9619% | 2,419 |
| Pretax return on assets | 1.3126% | 2,055 |
| Return on Equity (ROE) | 4.1858% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.1858% | 3,615 |
| Net charge-offs to loans | -0.0059% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9863% | 3,653 |
| Assets per employee ($millions) | 3.9348% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 1,929 |
| Loan loss allowance to noncurrent loans | 41.1775% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 5.4813% | 350 |
| Noncurrent loans to loans | 4.4656% | 545 |
| Net loans and leases to total assets | 66.6123% | 2,463 |
| Net loans and leases to deposits | 86.7935% | 1,493 |
| Net loans and leases to core deposits | 105.2373% | 783 |
| Total domestic deposits to total assets | 76.7480% | 5,993 |
| Equity capital to assets | 23.0085% | 126 |
| Core capital (leverage) ratio | 23.4192% | 113 |
| Tier 1 risk-based capital ratio | 31.2810% | 473 |
| Total risk-based capital ratio | 32.5358% | 466 |
| Memoranda: | ||
| Average total assets | $195,032,000 | 3,112 |
| Average earning assets | $184,276,500 | 3,042 |
| Average equity | $44,818,500 | 1,586 |
| Average total loans | $135,694,500 | 2,802 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 2,084 |
| Cost of funding earning assets | 0.2669% | 5,855 |
| Net interest margin | 4.2655% | 1,182 |
| Noninterest income to average assets | 0.8941% | 1,698 |
| Noninterest expense to average assets | 3.2035% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2284% | 1,457 |
| Return on assets (ROA) | 1.2284% | 1,521 |
| Pretax return on assets | 1.7189% | 910 |
| Return on Equity (ROE) | 5.3751% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.3295% | 2,394 |
| Net charge-offs to loans | 0.0657% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 36.2747% | 1,030 |
| Efficiency ratio | 65.0799% | 4,716 |
| Assets per employee ($millions) | 4.0276% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.8478% | 4,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 2,127 |
| Loan loss allowance to noncurrent loans | 40.6530% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 5.7665% | 346 |
| Noncurrent loans to loans | 4.3762% | 618 |
| Net loans and leases to total assets | 70.0523% | 2,001 |
| Net loans and leases to deposits | 91.2102% | 1,138 |
| Net loans and leases to core deposits | 112.3483% | 522 |
| Total domestic deposits to total assets | 76.8032% | 6,007 |
| Equity capital to assets | 22.9511% | 126 |
| Core capital (leverage) ratio | 22.6575% | 122 |
| Tier 1 risk-based capital ratio | 30.1622% | 490 |
| Total risk-based capital ratio | 31.4168% | 488 |
| Memoranda: | ||
| Average total assets | $192,041,800 | 3,126 |
| Average earning assets | $181,360,800 | 3,050 |
| Average equity | $43,887,600 | 1,593 |
| Average total loans | $138,453,400 | 2,729 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,743 |
| Cost of funding earning assets | 0.2636% | 5,999 |
| Net interest margin | 4.3901% | 916 |
| Noninterest income to average assets | 0.5355% | 3,554 |
| Noninterest expense to average assets | 2.8589% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2984% | 1,358 |
| Return on assets (ROA) | 1.2984% | 1,419 |
| Pretax return on assets | 1.8234% | 854 |
| Return on Equity (ROE) | 5.6875% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.6875% | 2,609 |
| Net charge-offs to loans | -0.1635% | 6,611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0575% | 5,277 |
| Assets per employee ($millions) | 3.9536% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0386% | 1,634 |
| Loan loss allowance to noncurrent loans | 36.8500% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 6.3168% | 355 |
| Noncurrent loans to loans | 5.5323% | 492 |
| Net loans and leases to total assets | 65.9723% | 2,641 |
| Net loans and leases to deposits | 85.4065% | 1,691 |
| Net loans and leases to core deposits | 102.3626% | 970 |
| Total domestic deposits to total assets | 77.2450% | 6,013 |
| Equity capital to assets | 22.3321% | 135 |
| Core capital (leverage) ratio | 22.6807% | 119 |
| Tier 1 risk-based capital ratio | 29.4535% | 541 |
| Total risk-based capital ratio | 30.7101% | 534 |
| Memoranda: | ||
| Average total assets | $191,721,250 | 3,158 |
| Average earning assets | $181,099,500 | 3,086 |
| Average equity | $43,767,000 | 1,609 |
| Average total loans | $138,596,500 | 2,736 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 1,459 |
| Cost of funding earning assets | 0.2646% | 6,079 |
| Net interest margin | 4.4770% | 738 |
| Noninterest income to average assets | 0.5323% | 3,623 |
| Noninterest expense to average assets | 2.8535% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3524% | 1,187 |
| Return on assets (ROA) | 1.3524% | 1,271 |
| Pretax return on assets | 1.9058% | 747 |
| Return on Equity (ROE) | 5.8798% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.8798% | 2,504 |
| Net charge-offs to loans | -0.2735% | 6,739 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9557% | 5,492 |
| Assets per employee ($millions) | 3.7727% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 1,832 |
| Loan loss allowance to noncurrent loans | 36.2576% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 6.8799% | 345 |
| Noncurrent loans to loans | 5.5378% | 551 |
| Net loans and leases to total assets | 70.7861% | 1,753 |
| Net loans and leases to deposits | 92.8393% | 895 |
| Net loans and leases to core deposits | 107.0313% | 686 |
| Total domestic deposits to total assets | 76.2458% | 6,224 |
| Equity capital to assets | 23.3418% | 113 |
| Core capital (leverage) ratio | 23.0054% | 110 |
| Tier 1 risk-based capital ratio | 26.1749% | 757 |
| Total risk-based capital ratio | 27.4296% | 740 |
| Memoranda: | ||
| Average total assets | $189,735,000 | 3,198 |
| Average earning assets | $179,138,000 | 3,127 |
| Average equity | $43,640,670 | 1,614 |
| Average total loans | $140,419,330 | 2,712 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 1,316 |
| Cost of funding earning assets | 0.2582% | 6,232 |
| Net interest margin | 4.5303% | 643 |
| Noninterest income to average assets | 0.4057% | 4,416 |
| Noninterest expense to average assets | 2.6108% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4652% | 922 |
| Return on assets (ROA) | 1.4652% | 1,004 |
| Pretax return on assets | 2.0727% | 524 |
| Return on Equity (ROE) | 6.4172% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.4172% | 2,449 |
| Net charge-offs to loans | -0.3761% | 6,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7451% | 6,083 |
| Assets per employee ($millions) | 3.9743% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 2,311 |
| Loan loss allowance to noncurrent loans | 44.7901% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 5.9387% | 537 |
| Noncurrent loans to loans | 4.2359% | 1,026 |
| Net loans and leases to total assets | 72.5874% | 1,268 |
| Net loans and leases to deposits | 94.7057% | 626 |
| Net loans and leases to core deposits | 112.5167% | 425 |
| Total domestic deposits to total assets | 76.6452% | 6,292 |
| Equity capital to assets | 23.0308% | 129 |
| Core capital (leverage) ratio | 22.4518% | 123 |
| Tier 1 risk-based capital ratio | 25.8501% | 800 |
| Total risk-based capital ratio | 27.1042% | 789 |
| Memoranda: | ||
| Average total assets | $190,284,500 | 3,220 |
| Average earning assets | $179,680,500 | 3,152 |
| Average equity | $43,445,500 | 1,642 |
| Average total loans | $142,497,000 | 2,687 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 1,636 |
| Cost of funding earning assets | 0.3701% | 6,106 |
| Net interest margin | 4.6021% | 782 |
| Noninterest income to average assets | 0.3754% | 4,791 |
| Noninterest expense to average assets | 3.6163% | 1,574 |
| Loan and lease loss provision to assets | 0.1047% | 4,328 |
| Net operating income to assets | 0.7320% | 3,596 |
| Return on assets (ROA) | 0.7320% | 3,842 |
| Pretax return on assets | 0.9775% | 3,630 |
| Return on Equity (ROE) | 3.3296% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.2368% | 3,942 |
| Net charge-offs to loans | 0.1951% | 3,815 |
| Credit loss provision to net charge-offs | 73.8007% | 4,045 |
| Earnings coverage of net charge-offs (x) | 7.6273% | 2,560 |
| Efficiency ratio | 76.9668% | 2,597 |
| Assets per employee ($millions) | 4.0384% | 3,875 |
| Cash dividends to net income (ytd only)* | 2.7897% | 4,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 2,696 |
| Loan loss allowance to noncurrent loans | 57.7002% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 5.0458% | 763 |
| Noncurrent loans to loans | 3.0651% | 1,697 |
| Net loans and leases to total assets | 74.4456% | 1,134 |
| Net loans and leases to deposits | 103.7651% | 270 |
| Net loans and leases to core deposits | 124.9668% | 232 |
| Total domestic deposits to total assets | 71.7444% | 6,705 |
| Equity capital to assets | 22.6319% | 135 |
| Core capital (leverage) ratio | 22.5156% | 123 |
| Tier 1 risk-based capital ratio | 25.6595% | 796 |
| Total risk-based capital ratio | 26.9127% | 789 |
| Memoranda: | ||
| Average total assets | $190,994,600 | 3,166 |
| Average earning assets | $179,417,400 | 3,103 |
| Average equity | $41,986,400 | 1,659 |
| Average total loans | $138,883,800 | 2,730 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 1,886 |
| Cost of funding earning assets | 0.3818% | 6,217 |
| Net interest margin | 4.5523% | 898 |
| Noninterest income to average assets | 0.2251% | 5,943 |
| Noninterest expense to average assets | 3.7805% | 1,245 |
| Loan and lease loss provision to assets | 0.1394% | 3,792 |
| Net operating income to assets | 0.4112% | 5,200 |
| Return on assets (ROA) | 0.4112% | 5,436 |
| Pretax return on assets | 0.5771% | 5,240 |
| Return on Equity (ROE) | 1.8845% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.8238% | 5,423 |
| Net charge-offs to loans | 0.2112% | 3,465 |
| Credit loss provision to net charge-offs | 91.7431% | 3,238 |
| Earnings coverage of net charge-offs (x) | 4.7156% | 3,226 |
| Efficiency ratio | 84.0670% | 1,580 |
| Assets per employee ($millions) | 3.9889% | 3,891 |
| Cash dividends to net income (ytd only)* | 3.2200% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 2,580 |
| Loan loss allowance to noncurrent loans | 44.7527% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 5.5989% | 753 |
| Noncurrent loans to loans | 4.1799% | 1,187 |
| Net loans and leases to total assets | 71.1526% | 1,700 |
| Net loans and leases to deposits | 91.9462% | 980 |
| Net loans and leases to core deposits | 112.7635% | 472 |
| Total domestic deposits to total assets | 77.3850% | 6,178 |
| Equity capital to assets | 22.1329% | 164 |
| Core capital (leverage) ratio | 21.6053% | 152 |
| Tier 1 risk-based capital ratio | 25.1485% | 893 |
| Total risk-based capital ratio | 26.4021% | 885 |
| Memoranda: | ||
| Average total assets | $191,292,500 | 3,192 |
| Average earning assets | $179,508,000 | 3,131 |
| Average equity | $41,744,000 | 1,684 |
| Average total loans | $137,643,750 | 2,781 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 2,160 |
| Cost of funding earning assets | 0.3879% | 6,344 |
| Net interest margin | 4.4998% | 993 |
| Noninterest income to average assets | 0.9486% | 1,617 |
| Noninterest expense to average assets | 3.9689% | 986 |
| Loan and lease loss provision to assets | 0.1569% | 3,554 |
| Net operating income to assets | 0.6892% | 3,926 |
| Return on assets (ROA) | 0.6892% | 4,189 |
| Pretax return on assets | 1.0322% | 3,589 |
| Return on Equity (ROE) | 3.1734% | 5,616 |
| Retained earnings to average equity (ytd only) | 3.0819% | 4,591 |
| Net charge-offs to loans | -0.2506% | 7,045 |
| Credit loss provision to net charge-offs | -87.2093% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9465% | 2,603 |
| Assets per employee ($millions) | 4.1092% | 3,646 |
| Cash dividends to net income (ytd only)* | 2.8832% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 1,944 |
| Loan loss allowance to noncurrent loans | 39.7321% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 6.3561% | 651 |
| Noncurrent loans to loans | 5.3424% | 888 |
| Net loans and leases to total assets | 68.6605% | 2,172 |
| Net loans and leases to deposits | 89.8522% | 1,160 |
| Net loans and leases to core deposits | 111.1168% | 537 |
| Total domestic deposits to total assets | 76.4149% | 6,407 |
| Equity capital to assets | 21.3123% | 185 |
| Core capital (leverage) ratio | 21.6411% | 144 |
| Tier 1 risk-based capital ratio | 31.0295% | 479 |
| Total risk-based capital ratio | 32.2693% | 471 |
| Memoranda: | ||
| Average total assets | $191,234,670 | 3,201 |
| Average earning assets | $178,897,670 | 3,149 |
| Average equity | $41,533,000 | 1,684 |
| Average total loans | $137,248,330 | 2,791 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 815 |
| Cost of funding earning assets | 0.4096% | 6,357 |
| Net interest margin | 5.0489% | 366 |
| Noninterest income to average assets | 0.9711% | 1,506 |
| Noninterest expense to average assets | 3.8293% | 1,170 |
| Loan and lease loss provision to assets | 0.1594% | 3,386 |
| Net operating income to assets | 1.1497% | 1,879 |
| Return on assets (ROA) | 1.1497% | 2,060 |
| Pretax return on assets | 1.6979% | 1,309 |
| Return on Equity (ROE) | 5.2421% | 4,672 |
| Retained earnings to average equity (ytd only) | 5.0580% | 3,520 |
| Net charge-offs to loans | -0.2780% | 7,047 |
| Credit loss provision to net charge-offs | -78.9474% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3393% | 4,296 |
| Assets per employee ($millions) | 3.8828% | 4,233 |
| Cash dividends to net income (ytd only)* | 3.5120% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 2,157 |
| Loan loss allowance to noncurrent loans | 25.4852% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 8.0209% | 475 |
| Noncurrent loans to loans | 8.1457% | 471 |
| Net loans and leases to total assets | 67.6428% | 2,182 |
| Net loans and leases to deposits | 92.3788% | 772 |
| Net loans and leases to core deposits | 114.0273% | 430 |
| Total domestic deposits to total assets | 73.2232% | 6,810 |
| Equity capital to assets | 21.5986% | 159 |
| Core capital (leverage) ratio | 22.8682% | 120 |
| Tier 1 risk-based capital ratio | 31.5801% | 456 |
| Total risk-based capital ratio | 32.8480% | 446 |
| Memoranda: | ||
| Average total assets | $188,230,500 | 3,255 |
| Average earning assets | $175,801,000 | 3,214 |
| Average equity | $41,281,000 | 1,683 |
| Average total loans | $136,690,000 | 2,830 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 3,042 |
| Cost of funding earning assets | 0.4759% | 6,631 |
| Net interest margin | 4.4907% | 1,160 |
| Noninterest income to average assets | 0.5588% | 3,439 |
| Noninterest expense to average assets | 3.4350% | 2,149 |
| Loan and lease loss provision to assets | 1.1665% | 766 |
| Net operating income to assets | 0.2538% | 5,418 |
| Return on assets (ROA) | 0.2538% | 5,559 |
| Pretax return on assets | 0.2033% | 5,776 |
| Return on Equity (ROE) | 1.1344% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.1344% | 5,326 |
| Net charge-offs to loans | 1.7117% | 888 |
| Credit loss provision to net charge-offs | 89.6670% | 4,016 |
| Earnings coverage of net charge-offs (x) | 1.0529% | 5,001 |
| Efficiency ratio | 71.4913% | 3,694 |
| Assets per employee ($millions) | 3.7983% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 2,637 |
| Loan loss allowance to noncurrent loans | 22.1011% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 7.7836% | 537 |
| Noncurrent loans to loans | 8.4955% | 445 |
| Net loans and leases to total assets | 74.9554% | 1,095 |
| Net loans and leases to deposits | 102.3701% | 358 |
| Net loans and leases to core deposits | 125.9544% | 277 |
| Total domestic deposits to total assets | 73.2200% | 6,788 |
| Equity capital to assets | 22.2851% | 149 |
| Core capital (leverage) ratio | 23.5280% | 116 |
| Tier 1 risk-based capital ratio | 30.4704% | 501 |
| Total risk-based capital ratio | 31.7355% | 490 |
| Memoranda: | ||
| Average total assets | $180,028,000 | 3,334 |
| Average earning assets | $170,217,400 | 3,245 |
| Average equity | $40,286,800 | 1,675 |
| Average total loans | $136,826,400 | 2,860 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9706% | 3,243 |
| Cost of funding earning assets | 0.4913% | 6,732 |
| Net interest margin | 4.4793% | 1,194 |
| Noninterest income to average assets | 0.7809% | 2,135 |
| Noninterest expense to average assets | 3.6733% | 1,557 |
| Loan and lease loss provision to assets | 1.5602% | 428 |
| Net operating income to assets | -0.0245% | 6,186 |
| Return on assets (ROA) | -0.0245% | 6,289 |
| Pretax return on assets | -0.2125% | 6,422 |
| Return on Equity (ROE) | -0.1095% | 6,279 |
| Retained earnings to average equity (ytd only) | -0.1095% | 5,990 |
| Net charge-offs to loans | 0.2584% | 3,813 |
| Credit loss provision to net charge-offs | 795.4545% | 337 |
| Earnings coverage of net charge-offs (x) | 6.8712% | 2,464 |
| Efficiency ratio | 73.1577% | 3,339 |
| Assets per employee ($millions) | 3.8680% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6189% | 512 |
| Loan loss allowance to noncurrent loans | 34.5000% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 8.2426% | 524 |
| Noncurrent loans to loans | 10.4896% | 322 |
| Net loans and leases to total assets | 70.2303% | 2,041 |
| Net loans and leases to deposits | 97.0473% | 635 |
| Net loans and leases to core deposits | 115.2225% | 521 |
| Total domestic deposits to total assets | 72.3671% | 6,909 |
| Equity capital to assets | 22.5663% | 151 |
| Core capital (leverage) ratio | 23.1196% | 133 |
| Tier 1 risk-based capital ratio | 32.3403% | 444 |
| Total risk-based capital ratio | 33.6277% | 434 |
| Memoranda: | ||
| Average total assets | $179,455,250 | 3,355 |
| Average earning assets | $169,875,000 | 3,254 |
| Average equity | $40,201,000 | 1,673 |
| Average total loans | $136,214,750 | 2,904 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 2,613 |
| Cost of funding earning assets | 0.5072% | 6,824 |
| Net interest margin | 4.6071% | 896 |
| Noninterest income to average assets | 0.7413% | 2,314 |
| Noninterest expense to average assets | 3.6441% | 1,639 |
| Loan and lease loss provision to assets | 2.3338% | 230 |
| Net operating income to assets | -0.5946% | 6,754 |
| Return on assets (ROA) | -0.5946% | 6,769 |
| Pretax return on assets | -0.8757% | 6,855 |
| Return on Equity (ROE) | -2.6605% | 6,563 |
| Retained earnings to average equity (ytd only) | -2.6605% | 6,329 |
| Net charge-offs to loans | 0.1604% | 4,214 |
| Credit loss provision to net charge-offs | 1,891.8919% | 178 |
| Earnings coverage of net charge-offs (x) | 11.8198% | 1,670 |
| Efficiency ratio | 71.4223% | 3,845 |
| Assets per employee ($millions) | 3.8154% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6083% | 558 |
| Loan loss allowance to noncurrent loans | 29.7239% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 9.9172% | 396 |
| Noncurrent loans to loans | 12.1395% | 246 |
| Net loans and leases to total assets | 72.1745% | 1,755 |
| Net loans and leases to deposits | 97.6690% | 611 |
| Net loans and leases to core deposits | 116.4048% | 509 |
| Total domestic deposits to total assets | 73.8971% | 6,851 |
| Equity capital to assets | 22.4698% | 166 |
| Core capital (leverage) ratio | 22.3815% | 148 |
| Tier 1 risk-based capital ratio | 30.8727% | 493 |
| Total risk-based capital ratio | 32.1554% | 485 |
| Memoranda: | ||
| Average total assets | $179,964,000 | 3,372 |
| Average earning assets | $170,346,330 | 3,269 |
| Average equity | $40,217,330 | 1,667 |
| Average total loans | $138,402,330 | 2,878 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2890% | 1,898 |
| Cost of funding earning assets | 0.5177% | 6,908 |
| Net interest margin | 4.7714% | 606 |
| Noninterest income to average assets | 0.9075% | 1,640 |
| Noninterest expense to average assets | 3.3170% | 2,507 |
| Loan and lease loss provision to assets | 3.9937% | 104 |
| Net operating income to assets | -1.2114% | 7,104 |
| Return on assets (ROA) | -1.2114% | 7,106 |
| Pretax return on assets | -1.8837% | 7,236 |
| Return on Equity (ROE) | -5.4357% | 6,835 |
| Retained earnings to average equity (ytd only) | -5.4357% | 6,553 |
| Net charge-offs to loans | 0.3673% | 2,596 |
| Credit loss provision to net charge-offs | 1,395.3488% | 290 |
| Earnings coverage of net charge-offs (x) | 7.3721% | 1,960 |
| Efficiency ratio | 61.1202% | 5,818 |
| Assets per employee ($millions) | 3.8680% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2631% | 734 |
| Loan loss allowance to noncurrent loans | 44.2263% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 6.4320% | 869 |
| Noncurrent loans to loans | 7.3781% | 711 |
| Net loans and leases to total assets | 73.8242% | 1,375 |
| Net loans and leases to deposits | 99.6296% | 489 |
| Net loans and leases to core deposits | 117.5531% | 488 |
| Total domestic deposits to total assets | 74.0987% | 6,888 |
| Equity capital to assets | 22.0337% | 169 |
| Core capital (leverage) ratio | 22.5750% | 150 |
| Tier 1 risk-based capital ratio | 29.9903% | 522 |
| Total risk-based capital ratio | 31.2639% | 512 |
| Memoranda: | ||
| Average total assets | $180,283,500 | 3,384 |
| Average earning assets | $170,768,500 | 3,294 |
| Average equity | $40,179,000 | 1,659 |
| Average total loans | $140,467,500 | 2,875 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 3,990 |
| Cost of funding earning assets | 0.7049% | 6,872 |
| Net interest margin | 4.4179% | 1,422 |
| Noninterest income to average assets | 0.6008% | 3,472 |
| Noninterest expense to average assets | 3.2590% | 2,874 |
| Loan and lease loss provision to assets | 0.7926% | 2,059 |
| Net operating income to assets | 0.6183% | 3,589 |
| Return on assets (ROA) | 0.6183% | 3,759 |
| Pretax return on assets | 0.7789% | 3,698 |
| Return on Equity (ROE) | 2.8328% | 5,023 |
| Retained earnings to average equity (ytd only) | 2.7854% | 3,908 |
| Net charge-offs to loans | 0.2745% | 4,649 |
| Credit loss provision to net charge-offs | 368.3544% | 689 |
| Earnings coverage of net charge-offs (x) | 7.3038% | 2,159 |
| Efficiency ratio | 67.4673% | 4,675 |
| Assets per employee ($millions) | 3.6484% | 4,585 |
| Cash dividends to net income (ytd only)* | 1.6740% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,276 |
| Loan loss allowance to noncurrent loans | 23.3945% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 7.3596% | 718 |
| Noncurrent loans to loans | 8.5851% | 569 |
| Net loans and leases to total assets | 77.9447% | 951 |
| Net loans and leases to deposits | 104.9451% | 362 |
| Net loans and leases to core deposits | 125.2812% | 403 |
| Total domestic deposits to total assets | 74.2718% | 6,855 |
| Equity capital to assets | 22.5437% | 166 |
| Core capital (leverage) ratio | 22.6957% | 156 |
| Tier 1 risk-based capital ratio | 27.7507% | 630 |
| Total risk-based capital ratio | 29.0009% | 615 |
| Memoranda: | ||
| Average total assets | $183,581,600 | 3,320 |
| Average earning assets | $175,762,800 | 3,174 |
| Average equity | $40,066,600 | 1,656 |
| Average total loans | $143,882,200 | 2,863 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 4,282 |
| Cost of funding earning assets | 0.7269% | 6,985 |
| Net interest margin | 4.3796% | 1,588 |
| Noninterest income to average assets | 0.5830% | 3,559 |
| Noninterest expense to average assets | 3.1813% | 2,995 |
| Loan and lease loss provision to assets | 0.6350% | 2,401 |
| Net operating income to assets | 0.8255% | 2,893 |
| Return on assets (ROA) | 0.8255% | 3,041 |
| Pretax return on assets | 0.9662% | 3,307 |
| Return on Equity (ROE) | 3.8125% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.8125% | 3,779 |
| Net charge-offs to loans | 0.3335% | 3,989 |
| Credit loss provision to net charge-offs | 243.7673% | 1,379 |
| Earnings coverage of net charge-offs (x) | 6.1468% | 2,589 |
| Efficiency ratio | 66.5208% | 4,745 |
| Assets per employee ($millions) | 3.7059% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,364 |
| Loan loss allowance to noncurrent loans | 24.2231% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 5.7823% | 1,051 |
| Noncurrent loans to loans | 6.7783% | 857 |
| Net loans and leases to total assets | 76.3693% | 1,338 |
| Net loans and leases to deposits | 101.8463% | 541 |
| Net loans and leases to core deposits | 122.2671% | 551 |
| Total domestic deposits to total assets | 74.9849% | 6,800 |
| Equity capital to assets | 22.4754% | 179 |
| Core capital (leverage) ratio | 22.6469% | 161 |
| Tier 1 risk-based capital ratio | 29.1880% | 560 |
| Total risk-based capital ratio | 30.4394% | 545 |
| Memoranda: | ||
| Average total assets | $184,783,750 | 3,352 |
| Average earning assets | $177,182,000 | 3,199 |
| Average equity | $40,007,750 | 1,668 |
| Average total loans | $144,302,750 | 2,903 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 4,404 |
| Cost of funding earning assets | 0.7469% | 7,074 |
| Net interest margin | 4.3625% | 1,558 |
| Noninterest income to average assets | 0.5564% | 3,654 |
| Noninterest expense to average assets | 3.1585% | 3,058 |
| Loan and lease loss provision to assets | 0.6134% | 2,339 |
| Net operating income to assets | 0.8050% | 2,949 |
| Return on assets (ROA) | 0.8050% | 3,091 |
| Pretax return on assets | 0.9707% | 3,233 |
| Return on Equity (ROE) | 3.7645% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.7645% | 3,694 |
| Net charge-offs to loans | 0.4401% | 3,224 |
| Credit loss provision to net charge-offs | 178.1250% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,902 |
| Efficiency ratio | 66.5986% | 4,864 |
| Assets per employee ($millions) | 3.7449% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 4,267 |
| Loan loss allowance to noncurrent loans | 20.1437% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 6.0376% | 970 |
| Noncurrent loans to loans | 7.1220% | 787 |
| Net loans and leases to total assets | 76.6039% | 1,370 |
| Net loans and leases to deposits | 104.5644% | 461 |
| Net loans and leases to core deposits | 123.6195% | 579 |
| Total domestic deposits to total assets | 73.2601% | 7,066 |
| Equity capital to assets | 21.7476% | 209 |
| Core capital (leverage) ratio | 22.0598% | 175 |
| Tier 1 risk-based capital ratio | 27.0150% | 696 |
| Total risk-based capital ratio | 28.2667% | 683 |
| Memoranda: | ||
| Average total assets | $185,848,330 | 3,363 |
| Average earning assets | $178,339,000 | 3,212 |
| Average equity | $39,739,330 | 1,676 |
| Average total loans | $145,405,670 | 2,913 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 4,155 |
| Cost of funding earning assets | 0.7391% | 7,252 |
| Net interest margin | 4.4371% | 1,279 |
| Noninterest income to average assets | 0.4834% | 4,176 |
| Noninterest expense to average assets | 3.0307% | 3,562 |
| Loan and lease loss provision to assets | 0.3208% | 3,496 |
| Net operating income to assets | 1.0673% | 1,941 |
| Return on assets (ROA) | 1.0673% | 2,015 |
| Pretax return on assets | 1.3945% | 1,793 |
| Return on Equity (ROE) | 5.0333% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.0333% | 3,140 |
| Net charge-offs to loans | -0.0572% | 7,380 |
| Credit loss provision to net charge-offs | -714.2857% | 6,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8576% | 5,525 |
| Assets per employee ($millions) | 3.8784% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,667 |
| Loan loss allowance to noncurrent loans | 23.4327% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 4.8689% | 1,340 |
| Noncurrent loans to loans | 5.7695% | 1,176 |
| Net loans and leases to total assets | 75.4863% | 1,650 |
| Net loans and leases to deposits | 102.1403% | 640 |
| Net loans and leases to core deposits | 139.3931% | 334 |
| Total domestic deposits to total assets | 73.9046% | 7,059 |
| Equity capital to assets | 21.1396% | 239 |
| Core capital (leverage) ratio | 21.7777% | 192 |
| Tier 1 risk-based capital ratio | 26.8722% | 718 |
| Total risk-based capital ratio | 28.1230% | 700 |
| Memoranda: | ||
| Average total assets | $187,022,000 | 3,402 |
| Average earning assets | $179,666,500 | 3,255 |
| Average equity | $39,655,500 | 1,696 |
| Average total loans | $146,801,000 | 2,948 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8142% | 2,596 |
| Cost of funding earning assets | 1.1331% | 6,872 |
| Net interest margin | 4.6812% | 868 |
| Noninterest income to average assets | 0.4878% | 4,505 |
| Noninterest expense to average assets | 3.1088% | 3,697 |
| Loan and lease loss provision to assets | 0.8230% | 2,665 |
| Net operating income to assets | 0.7823% | 2,595 |
| Return on assets (ROA) | 0.7823% | 2,687 |
| Pretax return on assets | 1.0052% | 2,576 |
| Return on Equity (ROE) | 4.1060% | 4,041 |
| Retained earnings to average equity (ytd only) | 4.0849% | 2,361 |
| Net charge-offs to loans | 1.2471% | 1,975 |
| Credit loss provision to net charge-offs | 83.6735% | 6,203 |
| Earnings coverage of net charge-offs (x) | 1.8587% | 4,324 |
| Efficiency ratio | 62.9701% | 5,977 |
| Assets per employee ($millions) | 3.6801% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.5131% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 5,282 |
| Loan loss allowance to noncurrent loans | 18.7357% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 5.6722% | 1,023 |
| Noncurrent loans to loans | 6.4691% | 930 |
| Net loans and leases to total assets | 79.5558% | 1,078 |
| Net loans and leases to deposits | 114.1430% | 262 |
| Net loans and leases to core deposits | 130.3726% | 1,260 |
| Total domestic deposits to total assets | 69.6983% | 7,448 |
| Equity capital to assets | 21.2698% | 240 |
| Core capital (leverage) ratio | 21.0165% | 238 |
| Tier 1 risk-based capital ratio | 26.0713% | 758 |
| Total risk-based capital ratio | 27.2530% | 748 |
| Memoranda: | ||
| Average total assets | $199,272,400 | 3,192 |
| Average earning assets | $189,397,600 | 3,100 |
| Average equity | $37,968,800 | 1,761 |
| Average total loans | $157,160,000 | 2,816 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8648% | 2,609 |
| Cost of funding earning assets | 1.2394% | 6,760 |
| Net interest margin | 4.6254% | 947 |
| Noninterest income to average assets | 0.4930% | 4,543 |
| Noninterest expense to average assets | 2.8433% | 4,708 |
| Loan and lease loss provision to assets | 0.2987% | 4,577 |
| Net operating income to assets | 1.2625% | 1,311 |
| Return on assets (ROA) | 1.2625% | 1,378 |
| Pretax return on assets | 1.7365% | 904 |
| Return on Equity (ROE) | 6.8051% | 3,161 |
| Retained earnings to average equity (ytd only) | 6.8051% | 1,586 |
| Net charge-offs to loans | 0.1815% | 4,935 |
| Credit loss provision to net charge-offs | 209.6774% | 2,100 |
| Earnings coverage of net charge-offs (x) | 14.2855% | 1,610 |
| Efficiency ratio | 58.2829% | 6,681 |
| Assets per employee ($millions) | 3.8868% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 3,343 |
| Loan loss allowance to noncurrent loans | 27.7411% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 4.4536% | 1,379 |
| Noncurrent loans to loans | 5.4644% | 1,146 |
| Net loans and leases to total assets | 80.2656% | 1,123 |
| Net loans and leases to deposits | 111.0781% | 421 |
| Net loans and leases to core deposits | 148.5593% | 612 |
| Total domestic deposits to total assets | 72.2605% | 7,178 |
| Equity capital to assets | 20.2485% | 323 |
| Core capital (leverage) ratio | 20.5843% | 281 |
| Tier 1 risk-based capital ratio | 25.3538% | 867 |
| Total risk-based capital ratio | 26.6129% | 843 |
| Memoranda: | ||
| Average total assets | $203,089,750 | 3,170 |
| Average earning assets | $192,555,750 | 3,086 |
| Average equity | $37,676,750 | 1,801 |
| Average total loans | $159,404,750 | 2,801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 2,140 |
| Cost of funding earning assets | 1.3628% | 6,613 |
| Net interest margin | 4.6480% | 880 |
| Noninterest income to average assets | 0.4930% | 4,503 |
| Noninterest expense to average assets | 2.7766% | 5,059 |
| Loan and lease loss provision to assets | 0.2605% | 4,495 |
| Net operating income to assets | 1.3314% | 1,155 |
| Return on assets (ROA) | 1.3314% | 1,230 |
| Pretax return on assets | 1.8389% | 789 |
| Return on Equity (ROE) | 7.3834% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.3834% | 1,437 |
| Net charge-offs to loans | 0.0572% | 5,696 |
| Credit loss provision to net charge-offs | 586.9565% | 793 |
| Earnings coverage of net charge-offs (x) | 47.3043% | 716 |
| Efficiency ratio | 56.9450% | 7,000 |
| Assets per employee ($millions) | 4.0059% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 3,325 |
| Loan loss allowance to noncurrent loans | 21.6186% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 5.5143% | 915 |
| Noncurrent loans to loans | 6.8271% | 733 |
| Net loans and leases to total assets | 79.5787% | 1,381 |
| Net loans and leases to deposits | 105.3595% | 805 |
| Net loans and leases to core deposits | 146.1143% | 754 |
| Total domestic deposits to total assets | 75.5306% | 6,654 |
| Equity capital to assets | 18.7936% | 474 |
| Core capital (leverage) ratio | 19.3270% | 397 |
| Tier 1 risk-based capital ratio | 24.2147% | 1,011 |
| Total risk-based capital ratio | 25.4516% | 993 |
| Memoranda: | ||
| Average total assets | $207,301,670 | 3,136 |
| Average earning assets | $195,480,000 | 3,069 |
| Average equity | $37,381,000 | 1,821 |
| Average total loans | $160,799,000 | 2,808 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 2,927 |
| Cost of funding earning assets | 1.4686% | 6,510 |
| Net interest margin | 4.4039% | 1,331 |
| Noninterest income to average assets | 0.4079% | 5,153 |
| Noninterest expense to average assets | 2.7499% | 4,781 |
| Loan and lease loss provision to assets | 0.2538% | 3,937 |
| Net operating income to assets | 1.1090% | 1,926 |
| Return on assets (ROA) | 1.1090% | 2,055 |
| Pretax return on assets | 1.5131% | 1,630 |
| Return on Equity (ROE) | 6.2722% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.2722% | 2,510 |
| Net charge-offs to loans | -0.1161% | 7,916 |
| Credit loss provision to net charge-offs | -287.2340% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8822% | 6,271 |
| Assets per employee ($millions) | 4.3038% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 3,356 |
| Loan loss allowance to noncurrent loans | 26.2119% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 4.1573% | 1,216 |
| Noncurrent loans to loans | 5.4479% | 950 |
| Net loans and leases to total assets | 75.2196% | 2,447 |
| Net loans and leases to deposits | 100.0315% | 1,402 |
| Net loans and leases to core deposits | 126.6384% | 1,877 |
| Total domestic deposits to total assets | 75.1958% | 6,665 |
| Equity capital to assets | 17.6301% | 652 |
| Core capital (leverage) ratio | 17.8645% | 572 |
| Tier 1 risk-based capital ratio | 23.6009% | 1,126 |
| Total risk-based capital ratio | 24.8555% | 1,104 |
| Memoranda: | ||
| Average total assets | $212,807,500 | 3,086 |
| Average earning assets | $198,553,000 | 3,033 |
| Average equity | $37,626,500 | 1,812 |
| Average total loans | $161,926,000 | 2,813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4877% | 3,020 |
| Cost of funding earning assets | 2.1109% | 5,999 |
| Net interest margin | 4.3768% | 1,758 |
| Noninterest income to average assets | 0.6185% | 3,724 |
| Noninterest expense to average assets | 2.8863% | 4,496 |
| Loan and lease loss provision to assets | 1.2848% | 1,109 |
| Net operating income to assets | 0.4662% | 4,883 |
| Return on assets (ROA) | 0.4761% | 4,666 |
| Pretax return on assets | 0.5379% | 4,887 |
| Return on Equity (ROE) | 2.6399% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.5890% | 3,580 |
| Net charge-offs to loans | 1.5558% | 741 |
| Credit loss provision to net charge-offs | 107.5152% | 4,994 |
| Earnings coverage of net charge-offs (x) | 1.5160% | 5,344 |
| Efficiency ratio | 61.4388% | 6,063 |
| Assets per employee ($millions) | 4.3823% | 2,825 |
| Cash dividends to net income (ytd only)* | 1.9270% | 4,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 3,791 |
| Loan loss allowance to noncurrent loans | 31.7575% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 3.1030% | 1,475 |
| Noncurrent loans to loans | 4.0895% | 1,193 |
| Net loans and leases to total assets | 74.8900% | 2,901 |
| Net loans and leases to deposits | 100.9181% | 1,722 |
| Net loans and leases to core deposits | 142.7575% | 1,142 |
| Total domestic deposits to total assets | 74.2087% | 6,619 |
| Equity capital to assets | 17.7310% | 688 |
| Core capital (leverage) ratio | 17.4427% | 652 |
| Tier 1 risk-based capital ratio | 22.3646% | 1,270 |
| Total risk-based capital ratio | 23.6205% | 1,238 |
| Memoranda: | ||
| Average total assets | $207,119,000 | 3,042 |
| Average earning assets | $193,042,200 | 2,995 |
| Average equity | $37,349,800 | 1,811 |
| Average total loans | $159,078,200 | 2,783 |