Home > The First National Bank at Paris > Performance and Condition Ratios
The First National Bank at Paris, 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 | 5.3960% | 1,320 |
| Cost of funding earning assets | 1.3235% | 2,449 |
| Net interest margin | 4.0725% | 1,099 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.8891% | 1,298 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.7624% | 645 |
| Return on assets (ROA) | 1.7624% | 619 |
| Pretax return on assets | 1.7624% | 940 |
| Return on Equity (ROE) | 15.5400% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.7480% | 1,611 |
| Net charge-offs to loans | 0.1431% | 714 |
| Credit loss provision to net charge-offs | 155.8935% | 1,439 |
| Earnings coverage of net charge-offs (x) | 18.2319% | 1,944 |
| Efficiency ratio | 60.2635% | 3,050 |
| Assets per employee ($millions) | 5.1408% | 3,525 |
| Cash dividends to net income (ytd only)* | 50.1353% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,249 |
| Loan loss allowance to noncurrent loans | 537.4016% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 2,258 |
| Noncurrent loans to loans | 0.2672% | 2,232 |
| Net loans and leases to total assets | 71.4700% | 1,643 |
| Net loans and leases to deposits | 84.4562% | 1,741 |
| Net loans and leases to core deposits | 94.4239% | 1,745 |
| Total domestic deposits to total assets | 84.6200% | 2,426 |
| Equity capital to assets | 11.6331% | 1,240 |
| Core capital (leverage) ratio | 11.1588% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8444% | 956 |
| Memoranda: | ||
| Average total assets | $251,705,200 | 2,670 |
| Average earning assets | $233,098,400 | 2,664 |
| Average equity | $28,549,400 | 2,341 |
| Average total loans | $183,764,000 | 2,411 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 1,397 |
| Cost of funding earning assets | 1.1648% | 2,546 |
| Net interest margin | 4.0653% | 1,126 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 2.9312% | 1,171 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.7070% | 789 |
| Return on assets (ROA) | 1.7070% | 776 |
| Pretax return on assets | 1.7070% | 1,149 |
| Return on Equity (ROE) | 15.1500% | 1,419 |
| Retained earnings to average equity (ytd only) | 8.7899% | 1,744 |
| Net charge-offs to loans | 0.1552% | 545 |
| Credit loss provision to net charge-offs | 122.6415% | 1,464 |
| Earnings coverage of net charge-offs (x) | 16.3066% | 1,937 |
| Efficiency ratio | 61.3008% | 2,807 |
| Assets per employee ($millions) | 5.1863% | 3,443 |
| Cash dividends to net income (ytd only)* | 41.9881% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,488 |
| Loan loss allowance to noncurrent loans | 595.4751% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,451 |
| Noncurrent loans to loans | 0.2333% | 2,417 |
| Net loans and leases to total assets | 72.0500% | 1,568 |
| Net loans and leases to deposits | 84.6408% | 1,684 |
| Net loans and leases to core deposits | 93.9901% | 1,679 |
| Total domestic deposits to total assets | 85.1200% | 2,464 |
| Equity capital to assets | 11.0144% | 1,337 |
| Core capital (leverage) ratio | 11.4410% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4711% | 1,023 |
| Memoranda: | ||
| Average total assets | $249,085,750 | 2,690 |
| Average earning assets | $230,528,250 | 2,688 |
| Average equity | $28,061,750 | 2,349 |
| Average total loans | $182,179,500 | 2,424 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 1,359 |
| Cost of funding earning assets | 0.9786% | 2,673 |
| Net interest margin | 4.1299% | 1,039 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 2.9576% | 1,112 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.6607% | 851 |
| Return on assets (ROA) | 1.6607% | 852 |
| Pretax return on assets | 1.7470% | 1,121 |
| Return on Equity (ROE) | 14.6300% | 1,548 |
| Retained earnings to average equity (ytd only) | 8.1161% | 1,923 |
| Net charge-offs to loans | 0.1380% | 547 |
| Credit loss provision to net charge-offs | 150.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 18.7419% | 1,754 |
| Efficiency ratio | 60.9871% | 2,846 |
| Assets per employee ($millions) | 4.8236% | 3,736 |
| Cash dividends to net income (ytd only)* | 44.5098% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,443 |
| Loan loss allowance to noncurrent loans | 760.0575% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,581 |
| Noncurrent loans to loans | 0.1871% | 2,533 |
| Net loans and leases to total assets | 73.0800% | 1,398 |
| Net loans and leases to deposits | 86.1831% | 1,486 |
| Net loans and leases to core deposits | 95.4373% | 1,496 |
| Total domestic deposits to total assets | 84.8000% | 2,597 |
| Equity capital to assets | 11.2830% | 1,282 |
| Core capital (leverage) ratio | 11.4244% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4500% | 1,042 |
| Memoranda: | ||
| Average total assets | $245,675,667 | 2,721 |
| Average earning assets | $227,270,000 | 2,717 |
| Average equity | $27,895,000 | 2,362 |
| Average total loans | $179,753,333 | 2,442 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 1,377 |
| Cost of funding earning assets | 0.7768% | 2,817 |
| Net interest margin | 4.1436% | 1,039 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 2.9239% | 1,188 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.6997% | 822 |
| Return on assets (ROA) | 1.6997% | 817 |
| Pretax return on assets | 1.7869% | 1,088 |
| Return on Equity (ROE) | 14.9200% | 1,567 |
| Retained earnings to average equity (ytd only) | 13.5490% | 1,001 |
| Net charge-offs to loans | 0.1970% | 369 |
| Credit loss provision to net charge-offs | 101.1494% | 1,104 |
| Earnings coverage of net charge-offs (x) | 13.4943% | 1,587 |
| Efficiency ratio | 60.2169% | 2,931 |
| Assets per employee ($millions) | 4.9240% | 3,714 |
| Cash dividends to net income (ytd only)* | 9.1965% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,418 |
| Loan loss allowance to noncurrent loans | 1,029.4821% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 2,811 |
| Noncurrent loans to loans | 0.1413% | 2,788 |
| Net loans and leases to total assets | 71.1100% | 1,509 |
| Net loans and leases to deposits | 83.6400% | 1,525 |
| Net loans and leases to core deposits | 91.4524% | 1,534 |
| Total domestic deposits to total assets | 85.0200% | 2,858 |
| Equity capital to assets | 11.6498% | 1,105 |
| Core capital (leverage) ratio | 11.6337% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3063% | 949 |
| Memoranda: | ||
| Average total assets | $243,099,000 | 2,766 |
| Average earning assets | $225,021,000 | 2,774 |
| Average equity | $27,692,000 | 2,411 |
| Average total loans | $176,650,500 | 2,494 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 570 |
| Cost of funding earning assets | 0.2197% | 3,601 |
| Net interest margin | 4.4203% | 338 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 2.9647% | 1,016 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 2.0242% | 288 |
| Return on assets (ROA) | 2.0242% | 277 |
| Pretax return on assets | 2.0242% | 451 |
| Return on Equity (ROE) | 17.8200% | 730 |
| Retained earnings to average equity (ytd only) | 9.7710% | 1,224 |
| Net charge-offs to loans | 0.1483% | 556 |
| Credit loss provision to net charge-offs | 149.1935% | 1,304 |
| Earnings coverage of net charge-offs (x) | 20.9839% | 1,871 |
| Efficiency ratio | 57.6359% | 3,393 |
| Assets per employee ($millions) | 4.5282% | 4,018 |
| Cash dividends to net income (ytd only)* | 45.1593% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,131 |
| Loan loss allowance to noncurrent loans | 926.9896% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 2,685 |
| Noncurrent loans to loans | 0.1645% | 2,664 |
| Net loans and leases to total assets | 72.0700% | 1,412 |
| Net loans and leases to deposits | 84.1934% | 1,455 |
| Net loans and leases to core deposits | 91.5164% | 1,424 |
| Total domestic deposits to total assets | 85.6000% | 2,832 |
| Equity capital to assets | 11.1260% | 1,209 |
| Core capital (leverage) ratio | 11.3462% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9507% | 985 |
| Memoranda: | ||
| Average total assets | $238,809,800 | 2,786 |
| Average earning assets | $221,207,000 | 2,794 |
| Average equity | $27,131,400 | 2,473 |
| Average total loans | $167,185,000 | 2,486 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 473 |
| Cost of funding earning assets | 0.1828% | 3,487 |
| Net interest margin | 4.3569% | 299 |
| Noninterest income to average assets | 1.0400% | 625 |
| Noninterest expense to average assets | 2.8850% | 1,086 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 2.1030% | 243 |
| Return on assets (ROA) | 2.1030% | 242 |
| Pretax return on assets | 2.1030% | 378 |
| Return on Equity (ROE) | 18.4100% | 589 |
| Retained earnings to average equity (ytd only) | 12.2274% | 743 |
| Net charge-offs to loans | 0.1341% | 484 |
| Credit loss provision to net charge-offs | 99.3976% | 1,341 |
| Earnings coverage of net charge-offs (x) | 23.6566% | 1,645 |
| Efficiency ratio | 56.7892% | 3,541 |
| Assets per employee ($millions) | 4.8620% | 3,794 |
| Cash dividends to net income (ytd only)* | 33.5991% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,312 |
| Loan loss allowance to noncurrent loans | 906.3830% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 2,783 |
| Noncurrent loans to loans | 0.1647% | 2,774 |
| Net loans and leases to total assets | 70.8000% | 1,412 |
| Net loans and leases to deposits | 79.7704% | 1,589 |
| Net loans and leases to core deposits | 85.6917% | 1,537 |
| Total domestic deposits to total assets | 88.7500% | 2,185 |
| Equity capital to assets | 11.0703% | 1,151 |
| Core capital (leverage) ratio | 11.2389% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2390% | 958 |
| Memoranda: | ||
| Average total assets | $238,513,000 | 2,811 |
| Average earning assets | $220,975,000 | 2,816 |
| Average equity | $27,238,750 | 2,498 |
| Average total loans | $165,069,750 | 2,498 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 423 |
| Cost of funding earning assets | 0.1836% | 3,136 |
| Net interest margin | 4.2365% | 310 |
| Noninterest income to average assets | 1.0394% | 615 |
| Noninterest expense to average assets | 2.8885% | 1,011 |
| Loan and lease loss provision to assets | 0.0914% | 1,085 |
| Net operating income to assets | 1.9866% | 234 |
| Return on assets (ROA) | 1.9866% | 235 |
| Pretax return on assets | 1.9866% | 393 |
| Return on Equity (ROE) | 17.2195% | 544 |
| Retained earnings to average equity (ytd only) | 10.7458% | 834 |
| Net charge-offs to loans | 0.1141% | 533 |
| Credit loss provision to net charge-offs | 117.2043% | 1,191 |
| Earnings coverage of net charge-offs (x) | 26.6559% | 1,441 |
| Efficiency ratio | 58.1603% | 3,539 |
| Assets per employee ($millions) | 4.6461% | 3,975 |
| Cash dividends to net income (ytd only)* | 37.5949% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,289 |
| Loan loss allowance to noncurrent loans | 656.8878% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,547 |
| Noncurrent loans to loans | 0.2352% | 2,541 |
| Net loans and leases to total assets | 67.9095% | 1,487 |
| Net loans and leases to deposits | 76.4880% | 1,648 |
| Net loans and leases to core deposits | 81.8599% | 1,602 |
| Total domestic deposits to total assets | 88.7845% | 2,269 |
| Equity capital to assets | 11.0230% | 1,203 |
| Core capital (leverage) ratio | 10.6976% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0888% | 981 |
| Memoranda: | ||
| Average total assets | $238,604,000 | 2,837 |
| Average earning assets | $221,175,000 | 2,842 |
| Average equity | $27,527,000 | 2,548 |
| Average total loans | $163,016,667 | 2,526 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 462 |
| Cost of funding earning assets | 0.1820% | 3,061 |
| Net interest margin | 4.0930% | 343 |
| Noninterest income to average assets | 1.0712% | 592 |
| Noninterest expense to average assets | 2.9269% | 913 |
| Loan and lease loss provision to assets | 0.0911% | 906 |
| Net operating income to assets | 1.8473% | 298 |
| Return on assets (ROA) | 1.8473% | 301 |
| Pretax return on assets | 1.8473% | 495 |
| Return on Equity (ROE) | 15.6568% | 562 |
| Retained earnings to average equity (ytd only) | 14.3700% | 342 |
| Net charge-offs to loans | 0.1166% | 463 |
| Credit loss provision to net charge-offs | 114.8936% | 949 |
| Earnings coverage of net charge-offs (x) | 24.4468% | 1,211 |
| Efficiency ratio | 60.1595% | 3,468 |
| Assets per employee ($millions) | 4.4341% | 4,171 |
| Cash dividends to net income (ytd only)* | 8.2192% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,318 |
| Loan loss allowance to noncurrent loans | 514.0281% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,371 |
| Noncurrent loans to loans | 0.3078% | 2,355 |
| Net loans and leases to total assets | 66.6384% | 1,348 |
| Net loans and leases to deposits | 75.4329% | 1,495 |
| Net loans and leases to core deposits | 80.8506% | 1,431 |
| Total domestic deposits to total assets | 88.3413% | 2,368 |
| Equity capital to assets | 11.4796% | 1,131 |
| Core capital (leverage) ratio | 10.6811% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2438% | 1,012 |
| Memoranda: | ||
| Average total assets | $237,108,500 | 2,864 |
| Average earning assets | $219,789,500 | 2,867 |
| Average equity | $27,975,000 | 2,608 |
| Average total loans | $161,204,500 | 2,536 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 193 |
| Cost of funding earning assets | 0.2464% | 2,970 |
| Net interest margin | 4.9541% | 150 |
| Noninterest income to average assets | 1.0824% | 878 |
| Noninterest expense to average assets | 3.0756% | 880 |
| Loan and lease loss provision to assets | 0.0879% | 1,406 |
| Net operating income to assets | 2.4968% | 159 |
| Return on assets (ROA) | 2.4968% | 162 |
| Pretax return on assets | 2.4968% | 257 |
| Return on Equity (ROE) | 19.9655% | 311 |
| Retained earnings to average equity (ytd only) | 4.9576% | 2,798 |
| Net charge-offs to loans | 0.0434% | 1,410 |
| Credit loss provision to net charge-offs | 290.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 85.2857% | 957 |
| Efficiency ratio | 54.3369% | 3,893 |
| Assets per employee ($millions) | 4.3477% | 4,234 |
| Cash dividends to net income (ytd only)* | 75.1691% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,269 |
| Loan loss allowance to noncurrent loans | 390.5344% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 2,146 |
| Noncurrent loans to loans | 0.4087% | 2,133 |
| Net loans and leases to total assets | 67.1816% | 1,352 |
| Net loans and leases to deposits | 76.5815% | 1,525 |
| Net loans and leases to core deposits | 82.4650% | 1,423 |
| Total domestic deposits to total assets | 87.7256% | 2,180 |
| Equity capital to assets | 12.1236% | 1,205 |
| Core capital (leverage) ratio | 10.2494% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7129% | 1,114 |
| Memoranda: | ||
| Average total assets | $230,977,000 | 2,838 |
| Average earning assets | $213,440,200 | 2,846 |
| Average equity | $28,884,800 | 2,603 |
| Average total loans | $161,202,800 | 2,531 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 162 |
| Cost of funding earning assets | 0.2618% | 2,997 |
| Net interest margin | 5.1648% | 128 |
| Noninterest income to average assets | 1.0601% | 976 |
| Noninterest expense to average assets | 3.0546% | 887 |
| Loan and lease loss provision to assets | 0.1178% | 1,008 |
| Net operating income to assets | 2.6570% | 178 |
| Return on assets (ROA) | 2.6570% | 183 |
| Pretax return on assets | 2.6570% | 263 |
| Return on Equity (ROE) | 21.0824% | 352 |
| Retained earnings to average equity (ytd only) | 14.2205% | 484 |
| Net charge-offs to loans | 0.0264% | 1,514 |
| Credit loss provision to net charge-offs | 634.3750% | 681 |
| Earnings coverage of net charge-offs (x) | 149.5938% | 678 |
| Efficiency ratio | 52.4013% | 3,997 |
| Assets per employee ($millions) | 4.4286% | 4,172 |
| Cash dividends to net income (ytd only)* | 32.5480% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 1,263 |
| Loan loss allowance to noncurrent loans | 254.1096% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 1,728 |
| Noncurrent loans to loans | 0.6412% | 1,703 |
| Net loans and leases to total assets | 66.8021% | 1,452 |
| Net loans and leases to deposits | 76.9543% | 1,579 |
| Net loans and leases to core deposits | 83.1813% | 1,481 |
| Total domestic deposits to total assets | 86.8075% | 2,427 |
| Equity capital to assets | 12.9986% | 980 |
| Core capital (leverage) ratio | 11.2857% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5350% | 876 |
| Memoranda: | ||
| Average total assets | $230,027,750 | 2,877 |
| Average earning assets | $212,408,500 | 2,885 |
| Average equity | $28,990,250 | 2,624 |
| Average total loans | $161,432,750 | 2,567 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3847% | 197 |
| Cost of funding earning assets | 0.2839% | 2,936 |
| Net interest margin | 5.1008% | 150 |
| Noninterest income to average assets | 1.0514% | 993 |
| Noninterest expense to average assets | 3.0718% | 877 |
| Loan and lease loss provision to assets | 0.1523% | 776 |
| Net operating income to assets | 2.5308% | 210 |
| Return on assets (ROA) | 2.5308% | 225 |
| Pretax return on assets | 2.5308% | 340 |
| Return on Equity (ROE) | 20.2994% | 434 |
| Retained earnings to average equity (ytd only) | 14.4504% | 492 |
| Net charge-offs to loans | 0.0136% | 1,679 |
| Credit loss provision to net charge-offs | 1,581.8182% | 341 |
| Earnings coverage of net charge-offs (x) | 278.6364% | 390 |
| Efficiency ratio | 53.3769% | 3,880 |
| Assets per employee ($millions) | 4.3536% | 4,215 |
| Cash dividends to net income (ytd only)* | 28.8136% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,244 |
| Loan loss allowance to noncurrent loans | 197.5573% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 1,463 |
| Noncurrent loans to loans | 0.8163% | 1,506 |
| Net loans and leases to total assets | 68.4317% | 1,393 |
| Net loans and leases to deposits | 78.8818% | 1,534 |
| Net loans and leases to core deposits | 85.2836% | 1,469 |
| Total domestic deposits to total assets | 86.7522% | 2,445 |
| Equity capital to assets | 12.7598% | 1,026 |
| Core capital (leverage) ratio | 10.5991% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1522% | 1,085 |
| Memoranda: | ||
| Average total assets | $228,464,667 | 2,887 |
| Average earning assets | $210,672,667 | 2,901 |
| Average equity | $28,483,667 | 2,644 |
| Average total loans | $162,112,667 | 2,580 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 771 |
| Cost of funding earning assets | 0.3129% | 2,867 |
| Net interest margin | 4.1913% | 607 |
| Noninterest income to average assets | 1.0047% | 1,124 |
| Noninterest expense to average assets | 2.9086% | 1,137 |
| Loan and lease loss provision to assets | 0.1513% | 862 |
| Net operating income to assets | 1.8106% | 771 |
| Return on assets (ROA) | 1.8106% | 822 |
| Pretax return on assets | 1.8106% | 1,272 |
| Return on Equity (ROE) | 14.6976% | 1,277 |
| Retained earnings to average equity (ytd only) | 14.6976% | 661 |
| Net charge-offs to loans | 0.0368% | 1,107 |
| Credit loss provision to net charge-offs | 573.3333% | 566 |
| Earnings coverage of net charge-offs (x) | 74.3333% | 735 |
| Efficiency ratio | 59.7182% | 3,064 |
| Assets per employee ($millions) | 4.4785% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,548 |
| Loan loss allowance to noncurrent loans | 183.6645% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 1,626 |
| Noncurrent loans to loans | 0.8259% | 1,621 |
| Net loans and leases to total assets | 68.2717% | 1,494 |
| Net loans and leases to deposits | 78.0451% | 1,710 |
| Net loans and leases to core deposits | 84.1817% | 1,664 |
| Total domestic deposits to total assets | 87.4772% | 2,104 |
| Equity capital to assets | 11.9684% | 1,305 |
| Core capital (leverage) ratio | 10.6921% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8296% | 1,352 |
| Memoranda: | ||
| Average total assets | $227,326,500 | 2,885 |
| Average earning assets | $209,671,000 | 2,896 |
| Average equity | $28,004,500 | 2,670 |
| Average total loans | $162,925,000 | 2,566 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 290 |
| Cost of funding earning assets | 0.6545% | 1,964 |
| Net interest margin | 4.6057% | 260 |
| Noninterest income to average assets | 1.0785% | 919 |
| Noninterest expense to average assets | 3.1735% | 1,103 |
| Loan and lease loss provision to assets | 0.2536% | 1,528 |
| Net operating income to assets | 1.8642% | 342 |
| Return on assets (ROA) | 1.8642% | 365 |
| Pretax return on assets | 1.8642% | 593 |
| Return on Equity (ROE) | 13.9738% | 818 |
| Retained earnings to average equity (ytd only) | 6.8397% | 1,449 |
| Net charge-offs to loans | 0.1081% | 1,393 |
| Credit loss provision to net charge-offs | 301.7751% | 1,721 |
| Earnings coverage of net charge-offs (x) | 25.2012% | 1,750 |
| Efficiency ratio | 59.9756% | 3,460 |
| Assets per employee ($millions) | 4.0999% | 4,293 |
| Cash dividends to net income (ytd only)* | 51.0536% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,574 |
| Loan loss allowance to noncurrent loans | 164.7418% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 1,490 |
| Noncurrent loans to loans | 0.9126% | 1,542 |
| Net loans and leases to total assets | 73.1175% | 1,144 |
| Net loans and leases to deposits | 83.9485% | 1,464 |
| Net loans and leases to core deposits | 91.2102% | 1,445 |
| Total domestic deposits to total assets | 87.0981% | 1,893 |
| Equity capital to assets | 12.7021% | 1,231 |
| Core capital (leverage) ratio | 10.6338% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1361% | 1,482 |
| Memoranda: | ||
| Average total assets | $201,106,000 | 2,935 |
| Average earning assets | $183,944,200 | 2,959 |
| Average equity | $26,828,800 | 2,687 |
| Average total loans | $156,331,800 | 2,602 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2956% | 345 |
| Cost of funding earning assets | 0.7188% | 1,913 |
| Net interest margin | 4.5768% | 324 |
| Noninterest income to average assets | 1.0656% | 919 |
| Noninterest expense to average assets | 3.1915% | 1,085 |
| Loan and lease loss provision to assets | 0.2725% | 1,483 |
| Net operating income to assets | 1.7801% | 473 |
| Return on assets (ROA) | 1.7801% | 526 |
| Pretax return on assets | 1.7801% | 813 |
| Return on Equity (ROE) | 13.1699% | 1,062 |
| Retained earnings to average equity (ytd only) | 8.0742% | 1,283 |
| Net charge-offs to loans | 0.0954% | 1,352 |
| Credit loss provision to net charge-offs | 363.0631% | 1,565 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,673 |
| Efficiency ratio | 60.8567% | 3,244 |
| Assets per employee ($millions) | 4.0885% | 4,255 |
| Cash dividends to net income (ytd only)* | 38.6925% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,488 |
| Loan loss allowance to noncurrent loans | 162.9630% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 1,670 |
| Noncurrent loans to loans | 0.8989% | 1,663 |
| Net loans and leases to total assets | 76.6517% | 1,009 |
| Net loans and leases to deposits | 88.6068% | 1,419 |
| Net loans and leases to core deposits | 98.2076% | 1,294 |
| Total domestic deposits to total assets | 86.5077% | 1,858 |
| Equity capital to assets | 13.1287% | 1,125 |
| Core capital (leverage) ratio | 11.0246% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6996% | 1,321 |
| Memoranda: | ||
| Average total assets | $197,059,000 | 2,950 |
| Average earning assets | $179,918,500 | 2,978 |
| Average equity | $26,635,750 | 2,690 |
| Average total loans | $155,088,500 | 2,623 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3967% | 405 |
| Cost of funding earning assets | 0.7802% | 1,932 |
| Net interest margin | 4.6165% | 404 |
| Noninterest income to average assets | 1.0557% | 890 |
| Noninterest expense to average assets | 3.2001% | 1,157 |
| Loan and lease loss provision to assets | 0.3064% | 1,405 |
| Net operating income to assets | 1.7626% | 547 |
| Return on assets (ROA) | 1.7626% | 595 |
| Pretax return on assets | 1.7626% | 874 |
| Return on Equity (ROE) | 12.9067% | 1,118 |
| Retained earnings to average equity (ytd only) | 7.7607% | 1,380 |
| Net charge-offs to loans | 0.0616% | 1,632 |
| Credit loss provision to net charge-offs | 629.7872% | 1,072 |
| Earnings coverage of net charge-offs (x) | 42.5319% | 1,203 |
| Efficiency ratio | 60.7346% | 3,315 |
| Assets per employee ($millions) | 3.9455% | 4,362 |
| Cash dividends to net income (ytd only)* | 39.8708% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,378 |
| Loan loss allowance to noncurrent loans | 155.7410% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 1,684 |
| Noncurrent loans to loans | 0.9374% | 1,651 |
| Net loans and leases to total assets | 76.7553% | 1,030 |
| Net loans and leases to deposits | 88.7193% | 1,481 |
| Net loans and leases to core deposits | 98.3917% | 1,384 |
| Total domestic deposits to total assets | 86.5148% | 1,800 |
| Equity capital to assets | 13.0865% | 1,133 |
| Core capital (leverage) ratio | 10.9851% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3471% | 1,677 |
| Memoranda: | ||
| Average total assets | $193,241,333 | 2,960 |
| Average earning assets | $176,368,333 | 2,997 |
| Average equity | $26,389,333 | 2,689 |
| Average total loans | $152,716,667 | 2,636 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 323 |
| Cost of funding earning assets | 0.8715% | 2,006 |
| Net interest margin | 4.6957% | 334 |
| Noninterest income to average assets | 1.1662% | 642 |
| Noninterest expense to average assets | 3.2807% | 1,258 |
| Loan and lease loss provision to assets | 0.1858% | 1,613 |
| Net operating income to assets | 1.9692% | 290 |
| Return on assets (ROA) | 1.9692% | 319 |
| Pretax return on assets | 1.9692% | 486 |
| Return on Equity (ROE) | 14.0981% | 680 |
| Retained earnings to average equity (ytd only) | 14.0981% | 245 |
| Net charge-offs to loans | 0.0509% | 1,504 |
| Credit loss provision to net charge-offs | 457.8947% | 928 |
| Earnings coverage of net charge-offs (x) | 53.1053% | 858 |
| Efficiency ratio | 60.3536% | 3,692 |
| Assets per employee ($millions) | 3.7511% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,576 |
| Loan loss allowance to noncurrent loans | 122.9012% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 1,417 |
| Noncurrent loans to loans | 1.1654% | 1,418 |
| Net loans and leases to total assets | 78.9579% | 830 |
| Net loans and leases to deposits | 92.3560% | 1,240 |
| Net loans and leases to core deposits | 103.0127% | 1,245 |
| Total domestic deposits to total assets | 85.4929% | 2,214 |
| Equity capital to assets | 14.2655% | 980 |
| Core capital (leverage) ratio | 11.8688% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4999% | 1,472 |
| Memoranda: | ||
| Average total assets | $187,279,500 | 2,983 |
| Average earning assets | $170,282,000 | 3,023 |
| Average equity | $26,159,500 | 2,699 |
| Average total loans | $149,171,000 | 2,648 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 460 |
| Cost of funding earning assets | 0.8600% | 2,377 |
| Net interest margin | 4.7598% | 419 |
| Noninterest income to average assets | 1.2234% | 628 |
| Noninterest expense to average assets | 3.4781% | 994 |
| Loan and lease loss provision to assets | 0.1681% | 1,241 |
| Net operating income to assets | 1.8928% | 436 |
| Return on assets (ROA) | 1.8928% | 453 |
| Pretax return on assets | 1.8928% | 756 |
| Return on Equity (ROE) | 13.6368% | 973 |
| Retained earnings to average equity (ytd only) | 8.7616% | 770 |
| Net charge-offs to loans | 0.1544% | 1,297 |
| Credit loss provision to net charge-offs | 135.1351% | 1,898 |
| Earnings coverage of net charge-offs (x) | 16.5721% | 2,158 |
| Efficiency ratio | 62.7933% | 3,249 |
| Assets per employee ($millions) | 3.6667% | 4,295 |
| Cash dividends to net income (ytd only)* | 35.7502% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,501 |
| Loan loss allowance to noncurrent loans | 142.6420% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 1,635 |
| Noncurrent loans to loans | 0.9865% | 1,544 |
| Net loans and leases to total assets | 78.0821% | 1,071 |
| Net loans and leases to deposits | 93.4927% | 1,206 |
| Net loans and leases to core deposits | 104.3479% | 1,208 |
| Total domestic deposits to total assets | 83.5168% | 3,013 |
| Equity capital to assets | 13.6699% | 1,220 |
| Core capital (leverage) ratio | 11.2823% | 2,263 |
| Tier 1 risk-based capital ratio | 14.5686% | 2,979 |
| Total risk-based capital ratio | 15.8208% | 2,887 |
| Memoranda: | ||
| Average total assets | $178,517,800 | 3,036 |
| Average earning assets | $161,856,200 | 3,068 |
| Average equity | $24,778,600 | 2,735 |
| Average total loans | $143,820,400 | 2,680 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5838% | 510 |
| Cost of funding earning assets | 0.8354% | 2,537 |
| Net interest margin | 4.7484% | 454 |
| Noninterest income to average assets | 1.2283% | 606 |
| Noninterest expense to average assets | 3.4852% | 967 |
| Loan and lease loss provision to assets | 0.1693% | 1,094 |
| Net operating income to assets | 1.8745% | 529 |
| Return on assets (ROA) | 1.8745% | 549 |
| Pretax return on assets | 1.8745% | 924 |
| Return on Equity (ROE) | 13.4510% | 1,124 |
| Retained earnings to average equity (ytd only) | 13.4510% | 239 |
| Net charge-offs to loans | 0.1083% | 1,386 |
| Credit loss provision to net charge-offs | 193.1034% | 1,359 |
| Earnings coverage of net charge-offs (x) | 23.3107% | 1,834 |
| Efficiency ratio | 63.0349% | 3,156 |
| Assets per employee ($millions) | 3.6636% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,326 |
| Loan loss allowance to noncurrent loans | 157.4088% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 1,871 |
| Noncurrent loans to loans | 0.9353% | 1,719 |
| Net loans and leases to total assets | 77.2314% | 1,277 |
| Net loans and leases to deposits | 90.2912% | 1,666 |
| Net loans and leases to core deposits | 102.2027% | 1,480 |
| Total domestic deposits to total assets | 85.5359% | 2,194 |
| Equity capital to assets | 14.1343% | 1,097 |
| Core capital (leverage) ratio | 11.8874% | 1,926 |
| Tier 1 risk-based capital ratio | 15.5494% | 2,621 |
| Total risk-based capital ratio | 16.8029% | 2,561 |
| Memoranda: | ||
| Average total assets | $176,396,750 | 3,088 |
| Average earning assets | $159,768,250 | 3,113 |
| Average equity | $24,582,500 | 2,766 |
| Average total loans | $142,750,750 | 2,714 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 516 |
| Cost of funding earning assets | 0.8033% | 2,625 |
| Net interest margin | 4.7439% | 453 |
| Noninterest income to average assets | 1.2186% | 576 |
| Noninterest expense to average assets | 3.5110% | 945 |
| Loan and lease loss provision to assets | 0.1711% | 1,065 |
| Net operating income to assets | 1.8296% | 561 |
| Return on assets (ROA) | 1.8296% | 586 |
| Pretax return on assets | 1.8296% | 970 |
| Return on Equity (ROE) | 13.1946% | 1,182 |
| Retained earnings to average equity (ytd only) | 13.1946% | 285 |
| Net charge-offs to loans | 0.0758% | 1,612 |
| Credit loss provision to net charge-offs | 275.9259% | 946 |
| Earnings coverage of net charge-offs (x) | 32.2593% | 1,409 |
| Efficiency ratio | 63.7008% | 3,178 |
| Assets per employee ($millions) | 3.4965% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,418 |
| Loan loss allowance to noncurrent loans | 534.6056% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 3,503 |
| Noncurrent loans to loans | 0.2713% | 3,560 |
| Net loans and leases to total assets | 80.0444% | 872 |
| Net loans and leases to deposits | 93.4209% | 1,320 |
| Net loans and leases to core deposits | 105.0302% | 1,303 |
| Total domestic deposits to total assets | 85.6814% | 2,186 |
| Equity capital to assets | 14.0169% | 1,111 |
| Core capital (leverage) ratio | 11.7343% | 1,998 |
| Tier 1 risk-based capital ratio | 14.7009% | 2,965 |
| Total risk-based capital ratio | 15.9540% | 2,891 |
| Memoranda: | ||
| Average total assets | $174,136,330 | 3,120 |
| Average earning assets | $157,590,670 | 3,155 |
| Average equity | $24,146,330 | 2,786 |
| Average total loans | $142,472,670 | 2,738 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 579 |
| Cost of funding earning assets | 0.7764% | 2,656 |
| Net interest margin | 4.6609% | 541 |
| Noninterest income to average assets | 1.2113% | 556 |
| Noninterest expense to average assets | 3.5386% | 913 |
| Loan and lease loss provision to assets | 0.1720% | 971 |
| Net operating income to assets | 1.7158% | 708 |
| Return on assets (ROA) | 1.7158% | 734 |
| Pretax return on assets | 1.7158% | 1,171 |
| Return on Equity (ROE) | 12.4441% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.4441% | 547 |
| Net charge-offs to loans | 0.0538% | 1,516 |
| Credit loss provision to net charge-offs | 389.4737% | 708 |
| Earnings coverage of net charge-offs (x) | 42.7368% | 1,112 |
| Efficiency ratio | 65.2099% | 3,059 |
| Assets per employee ($millions) | 3.5888% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,549 |
| Loan loss allowance to noncurrent loans | 888.3621% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,872 |
| Noncurrent loans to loans | 0.1616% | 4,020 |
| Net loans and leases to total assets | 80.4558% | 782 |
| Net loans and leases to deposits | 93.4480% | 1,235 |
| Net loans and leases to core deposits | 103.1819% | 1,370 |
| Total domestic deposits to total assets | 86.0969% | 2,235 |
| Equity capital to assets | 13.7063% | 1,124 |
| Core capital (leverage) ratio | 11.5553% | 2,099 |
| Tier 1 risk-based capital ratio | 14.2521% | 3,218 |
| Total risk-based capital ratio | 15.5055% | 3,149 |
| Memoranda: | ||
| Average total assets | $172,044,000 | 3,169 |
| Average earning assets | $155,593,000 | 3,210 |
| Average equity | $23,722,000 | 2,830 |
| Average total loans | $141,290,500 | 2,784 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 420 |
| Cost of funding earning assets | 0.5242% | 3,211 |
| Net interest margin | 4.9563% | 293 |
| Noninterest income to average assets | 1.3790% | 479 |
| Noninterest expense to average assets | 3.5992% | 872 |
| Loan and lease loss provision to assets | 0.1918% | 995 |
| Net operating income to assets | 2.0425% | 326 |
| Return on assets (ROA) | 2.0425% | 325 |
| Pretax return on assets | 2.0425% | 506 |
| Return on Equity (ROE) | 14.7288% | 891 |
| Retained earnings to average equity (ytd only) | 14.7288% | 130 |
| Net charge-offs to loans | 0.1447% | 1,321 |
| Credit loss provision to net charge-offs | 158.7302% | 1,745 |
| Earnings coverage of net charge-offs (x) | 18.4921% | 2,128 |
| Efficiency ratio | 61.6986% | 3,585 |
| Assets per employee ($millions) | 3.4334% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,476 |
| Loan loss allowance to noncurrent loans | 701.3986% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,267 |
| Noncurrent loans to loans | 0.2057% | 3,844 |
| Net loans and leases to total assets | 81.4515% | 741 |
| Net loans and leases to deposits | 94.8600% | 1,184 |
| Net loans and leases to core deposits | 105.1368% | 1,332 |
| Total domestic deposits to total assets | 85.8650% | 2,297 |
| Equity capital to assets | 13.8740% | 1,010 |
| Core capital (leverage) ratio | 11.7192% | 1,935 |
| Tier 1 risk-based capital ratio | 13.9024% | 3,329 |
| Total risk-based capital ratio | 15.1553% | 3,259 |
| Memoranda: | ||
| Average total assets | $156,423,000 | 3,322 |
| Average earning assets | $140,587,800 | 3,352 |
| Average equity | $21,692,200 | 2,919 |
| Average total loans | $130,581,000 | 2,871 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 438 |
| Cost of funding earning assets | 0.4693% | 3,402 |
| Net interest margin | 4.9358% | 293 |
| Noninterest income to average assets | 1.3770% | 500 |
| Noninterest expense to average assets | 3.6280% | 822 |
| Loan and lease loss provision to assets | 0.1946% | 907 |
| Net operating income to assets | 1.9860% | 395 |
| Return on assets (ROA) | 1.9860% | 389 |
| Pretax return on assets | 1.9860% | 640 |
| Return on Equity (ROE) | 14.3229% | 1,030 |
| Retained earnings to average equity (ytd only) | 14.3229% | 218 |
| Net charge-offs to loans | 0.1162% | 1,345 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 22.4106% | 1,877 |
| Efficiency ratio | 62.4589% | 3,436 |
| Assets per employee ($millions) | 3.1718% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,367 |
| Loan loss allowance to noncurrent loans | 366.9104% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 3,113 |
| Noncurrent loans to loans | 0.4071% | 3,192 |
| Net loans and leases to total assets | 85.1656% | 345 |
| Net loans and leases to deposits | 100.4721% | 739 |
| Net loans and leases to core deposits | 109.0234% | 1,099 |
| Total domestic deposits to total assets | 84.7654% | 2,697 |
| Equity capital to assets | 14.4219% | 849 |
| Core capital (leverage) ratio | 11.7553% | 1,958 |
| Tier 1 risk-based capital ratio | 13.9093% | 3,418 |
| Total risk-based capital ratio | 15.1635% | 3,323 |
| Memoranda: | ||
| Average total assets | $153,470,000 | 3,376 |
| Average earning assets | $137,792,250 | 3,425 |
| Average equity | $21,280,000 | 2,976 |
| Average total loans | $128,467,250 | 2,917 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 447 |
| Cost of funding earning assets | 0.4275% | 3,517 |
| Net interest margin | 4.8977% | 304 |
| Noninterest income to average assets | 1.3624% | 518 |
| Noninterest expense to average assets | 3.5623% | 912 |
| Loan and lease loss provision to assets | 0.1950% | 883 |
| Net operating income to assets | 1.9984% | 383 |
| Return on assets (ROA) | 1.9984% | 380 |
| Pretax return on assets | 1.9984% | 606 |
| Return on Equity (ROE) | 14.6110% | 933 |
| Retained earnings to average equity (ytd only) | 14.6110% | 228 |
| Net charge-offs to loans | 0.0775% | 1,550 |
| Credit loss provision to net charge-offs | 304.0816% | 987 |
| Earnings coverage of net charge-offs (x) | 34.2041% | 1,402 |
| Efficiency ratio | 61.8918% | 3,634 |
| Assets per employee ($millions) | 3.1615% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,231 |
| Loan loss allowance to noncurrent loans | 358.1688% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 3,171 |
| Noncurrent loans to loans | 0.4333% | 3,146 |
| Net loans and leases to total assets | 81.6852% | 745 |
| Net loans and leases to deposits | 95.2539% | 1,222 |
| Net loans and leases to core deposits | 103.1514% | 1,471 |
| Total domestic deposits to total assets | 85.7552% | 2,391 |
| Equity capital to assets | 13.9736% | 939 |
| Core capital (leverage) ratio | 11.3669% | 2,187 |
| Tier 1 risk-based capital ratio | 13.8932% | 3,409 |
| Total risk-based capital ratio | 15.1480% | 3,323 |
| Memoranda: | ||
| Average total assets | $152,821,330 | 3,402 |
| Average earning assets | $137,086,000 | 3,457 |
| Average equity | $20,902,000 | 3,032 |
| Average total loans | $126,500,330 | 2,960 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 439 |
| Cost of funding earning assets | 0.4017% | 3,569 |
| Net interest margin | 4.8610% | 302 |
| Noninterest income to average assets | 1.3309% | 531 |
| Noninterest expense to average assets | 3.4235% | 1,124 |
| Loan and lease loss provision to assets | 0.1950% | 855 |
| Net operating income to assets | 2.0820% | 310 |
| Return on assets (ROA) | 2.0820% | 312 |
| Pretax return on assets | 2.0820% | 488 |
| Return on Equity (ROE) | 15.3925% | 732 |
| Retained earnings to average equity (ytd only) | 15.3925% | 295 |
| Net charge-offs to loans | 0.1371% | 984 |
| Credit loss provision to net charge-offs | 172.0930% | 1,150 |
| Earnings coverage of net charge-offs (x) | 20.0930% | 1,483 |
| Efficiency ratio | 60.0555% | 4,060 |
| Assets per employee ($millions) | 3.1914% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,370 |
| Loan loss allowance to noncurrent loans | 500.2597% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 3,723 |
| Noncurrent loans to loans | 0.3049% | 3,677 |
| Net loans and leases to total assets | 81.1856% | 763 |
| Net loans and leases to deposits | 94.2073% | 1,208 |
| Net loans and leases to core deposits | 102.3050% | 1,502 |
| Total domestic deposits to total assets | 86.1776% | 2,463 |
| Equity capital to assets | 13.6533% | 991 |
| Core capital (leverage) ratio | 10.9391% | 2,502 |
| Tier 1 risk-based capital ratio | 13.6363% | 3,580 |
| Total risk-based capital ratio | 14.8906% | 3,491 |
| Memoranda: | ||
| Average total assets | $151,775,500 | 3,445 |
| Average earning assets | $136,432,000 | 3,498 |
| Average equity | $20,529,500 | 3,106 |
| Average total loans | $125,482,500 | 2,993 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 568 |
| Cost of funding earning assets | 0.3633% | 3,585 |
| Net interest margin | 4.7023% | 419 |
| Noninterest income to average assets | 1.2370% | 688 |
| Noninterest expense to average assets | 3.5280% | 988 |
| Loan and lease loss provision to assets | 0.1700% | 1,292 |
| Net operating income to assets | 1.7817% | 440 |
| Return on assets (ROA) | 1.7817% | 450 |
| Pretax return on assets | 1.7817% | 829 |
| Return on Equity (ROE) | 12.7423% | 1,012 |
| Retained earnings to average equity (ytd only) | 2.0427% | 4,094 |
| Net charge-offs to loans | 0.1078% | 1,995 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 22.9600% | 1,832 |
| Efficiency ratio | 64.3832% | 3,556 |
| Assets per employee ($millions) | 3.3414% | 4,894 |
| Cash dividends to net income (ytd only)* | 83.9695% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,342 |
| Loan loss allowance to noncurrent loans | 422.0490% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,448 |
| Noncurrent loans to loans | 0.3601% | 3,479 |
| Net loans and leases to total assets | 81.6540% | 731 |
| Net loans and leases to deposits | 94.4919% | 1,221 |
| Net loans and leases to core deposits | 102.4234% | 1,526 |
| Total domestic deposits to total assets | 86.4137% | 2,268 |
| Equity capital to assets | 13.3967% | 1,100 |
| Core capital (leverage) ratio | 10.4410% | 2,912 |
| Tier 1 risk-based capital ratio | 13.2063% | 3,788 |
| Total risk-based capital ratio | 14.4614% | 3,710 |
| Memoranda: | ||
| Average total assets | $147,054,200 | 3,506 |
| Average earning assets | $132,680,600 | 3,558 |
| Average equity | $20,561,400 | 3,074 |
| Average total loans | $115,970,800 | 3,107 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 657 |
| Cost of funding earning assets | 0.3592% | 3,579 |
| Net interest margin | 4.6064% | 482 |
| Noninterest income to average assets | 1.2081% | 715 |
| Noninterest expense to average assets | 3.5232% | 958 |
| Loan and lease loss provision to assets | 0.1705% | 1,182 |
| Net operating income to assets | 1.6768% | 608 |
| Return on assets (ROA) | 1.6768% | 625 |
| Pretax return on assets | 1.6768% | 1,176 |
| Return on Equity (ROE) | 11.8648% | 1,376 |
| Retained earnings to average equity (ytd only) | 11.8648% | 307 |
| Net charge-offs to loans | 0.1160% | 1,628 |
| Credit loss provision to net charge-offs | 188.8889% | 1,406 |
| Earnings coverage of net charge-offs (x) | 20.4642% | 1,951 |
| Efficiency ratio | 65.6027% | 3,275 |
| Assets per employee ($millions) | 3.3148% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,390 |
| Loan loss allowance to noncurrent loans | 388.7029% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 3,517 |
| Noncurrent loans to loans | 0.3965% | 3,535 |
| Net loans and leases to total assets | 79.5778% | 1,046 |
| Net loans and leases to deposits | 93.3024% | 1,381 |
| Net loans and leases to core deposits | 100.3967% | 1,671 |
| Total domestic deposits to total assets | 85.2902% | 2,602 |
| Equity capital to assets | 14.4839% | 861 |
| Core capital (leverage) ratio | 11.5936% | 1,955 |
| Tier 1 risk-based capital ratio | 14.6984% | 3,070 |
| Total risk-based capital ratio | 15.9530% | 2,996 |
| Memoranda: | ||
| Average total assets | $146,226,500 | 3,545 |
| Average earning assets | $132,130,250 | 3,600 |
| Average equity | $20,665,750 | 3,089 |
| Average total loans | $113,795,000 | 3,164 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 716 |
| Cost of funding earning assets | 0.3518% | 3,560 |
| Net interest margin | 4.5352% | 531 |
| Noninterest income to average assets | 1.1869% | 721 |
| Noninterest expense to average assets | 3.4947% | 1,023 |
| Loan and lease loss provision to assets | 0.1707% | 1,145 |
| Net operating income to assets | 1.6221% | 661 |
| Return on assets (ROA) | 1.6221% | 686 |
| Pretax return on assets | 1.6221% | 1,272 |
| Return on Equity (ROE) | 11.5759% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.5759% | 362 |
| Net charge-offs to loans | 0.0269% | 2,680 |
| Credit loss provision to net charge-offs | 826.6667% | 451 |
| Earnings coverage of net charge-offs (x) | 86.8000% | 721 |
| Efficiency ratio | 66.0938% | 3,335 |
| Assets per employee ($millions) | 3.4834% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 1,225 |
| Loan loss allowance to noncurrent loans | 347.3198% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 3,677 |
| Noncurrent loans to loans | 0.4657% | 3,342 |
| Net loans and leases to total assets | 76.2985% | 1,499 |
| Net loans and leases to deposits | 88.9261% | 1,871 |
| Net loans and leases to core deposits | 96.1348% | 1,968 |
| Total domestic deposits to total assets | 85.7999% | 2,473 |
| Equity capital to assets | 13.9858% | 973 |
| Core capital (leverage) ratio | 11.2886% | 2,137 |
| Tier 1 risk-based capital ratio | 14.6561% | 3,082 |
| Total risk-based capital ratio | 15.9117% | 3,002 |
| Memoranda: | ||
| Average total assets | $145,246,670 | 3,580 |
| Average earning assets | $131,327,670 | 3,627 |
| Average equity | $20,352,670 | 3,118 |
| Average total loans | $111,539,670 | 3,201 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 852 |
| Cost of funding earning assets | 0.3469% | 3,566 |
| Net interest margin | 4.4008% | 636 |
| Noninterest income to average assets | 1.1946% | 715 |
| Noninterest expense to average assets | 3.5167% | 1,019 |
| Loan and lease loss provision to assets | 0.1735% | 1,018 |
| Net operating income to assets | 1.4800% | 851 |
| Return on assets (ROA) | 1.4800% | 875 |
| Pretax return on assets | 1.4800% | 1,604 |
| Return on Equity (ROE) | 10.5512% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.5512% | 686 |
| Net charge-offs to loans | 0.0732% | 1,600 |
| Credit loss provision to net charge-offs | 310.0000% | 769 |
| Earnings coverage of net charge-offs (x) | 29.5500% | 1,226 |
| Efficiency ratio | 68.0195% | 3,195 |
| Assets per employee ($millions) | 3.5507% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 1,291 |
| Loan loss allowance to noncurrent loans | 311.3402% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 3,261 |
| Noncurrent loans to loans | 0.5258% | 3,238 |
| Net loans and leases to total assets | 74.7901% | 1,616 |
| Net loans and leases to deposits | 87.0627% | 1,904 |
| Net loans and leases to core deposits | 94.5573% | 1,929 |
| Total domestic deposits to total assets | 85.9038% | 2,714 |
| Equity capital to assets | 13.9547% | 918 |
| Core capital (leverage) ratio | 11.1743% | 2,214 |
| Tier 1 risk-based capital ratio | 14.9367% | 2,997 |
| Total risk-based capital ratio | 16.1931% | 2,923 |
| Memoranda: | ||
| Average total assets | $142,976,000 | 3,650 |
| Average earning assets | $129,158,500 | 3,685 |
| Average equity | $20,054,500 | 3,166 |
| Average total loans | $109,227,000 | 3,260 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 812 |
| Cost of funding earning assets | 0.3441% | 3,591 |
| Net interest margin | 4.4975% | 627 |
| Noninterest income to average assets | 1.1627% | 838 |
| Noninterest expense to average assets | 3.5269% | 1,121 |
| Loan and lease loss provision to assets | 0.0600% | 3,180 |
| Net operating income to assets | 1.6285% | 637 |
| Return on assets (ROA) | 1.6285% | 662 |
| Pretax return on assets | 1.6285% | 1,193 |
| Return on Equity (ROE) | 11.4314% | 1,427 |
| Retained earnings to average equity (ytd only) | 6.2983% | 1,566 |
| Net charge-offs to loans | 0.1086% | 2,185 |
| Credit loss provision to net charge-offs | 75.9259% | 3,043 |
| Earnings coverage of net charge-offs (x) | 21.3796% | 1,788 |
| Efficiency ratio | 67.6248% | 3,318 |
| Assets per employee ($millions) | 3.5993% | 4,610 |
| Cash dividends to net income (ytd only)* | 44.9035% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 1,277 |
| Loan loss allowance to noncurrent loans | 234.1270% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 2,815 |
| Noncurrent loans to loans | 0.7015% | 2,788 |
| Net loans and leases to total assets | 75.5083% | 1,601 |
| Net loans and leases to deposits | 88.0876% | 1,915 |
| Net loans and leases to core deposits | 96.1981% | 1,909 |
| Total domestic deposits to total assets | 85.7196% | 2,719 |
| Equity capital to assets | 14.1009% | 857 |
| Core capital (leverage) ratio | 10.8740% | 2,468 |
| Tier 1 risk-based capital ratio | 14.7213% | 3,092 |
| Total risk-based capital ratio | 15.9774% | 3,032 |
| Memoranda: | ||
| Average total assets | $136,750,200 | 3,721 |
| Average earning assets | $123,224,600 | 3,765 |
| Average equity | $19,481,400 | 3,220 |
| Average total loans | $99,456,000 | 3,395 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 874 |
| Cost of funding earning assets | 0.3430% | 3,624 |
| Net interest margin | 4.4704% | 677 |
| Noninterest income to average assets | 1.1591% | 850 |
| Noninterest expense to average assets | 3.5059% | 1,142 |
| Loan and lease loss provision to assets | 0.0579% | 3,089 |
| Net operating income to assets | 1.6253% | 689 |
| Return on assets (ROA) | 1.6253% | 733 |
| Pretax return on assets | 1.6253% | 1,318 |
| Return on Equity (ROE) | 11.3792% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.3792% | 376 |
| Net charge-offs to loans | 0.0904% | 2,060 |
| Credit loss provision to net charge-offs | 89.3939% | 2,537 |
| Earnings coverage of net charge-offs (x) | 25.9842% | 1,613 |
| Efficiency ratio | 67.5619% | 3,308 |
| Assets per employee ($millions) | 3.6661% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 1,126 |
| Loan loss allowance to noncurrent loans | 237.8989% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 2,993 |
| Noncurrent loans to loans | 0.7315% | 2,843 |
| Net loans and leases to total assets | 72.5119% | 2,114 |
| Net loans and leases to deposits | 85.0720% | 2,359 |
| Net loans and leases to core deposits | 92.1385% | 2,361 |
| Total domestic deposits to total assets | 85.2359% | 2,701 |
| Equity capital to assets | 14.5394% | 861 |
| Core capital (leverage) ratio | 11.5831% | 1,969 |
| Tier 1 risk-based capital ratio | 16.1281% | 2,572 |
| Total risk-based capital ratio | 17.3856% | 2,522 |
| Memoranda: | ||
| Average total assets | $135,844,250 | 3,753 |
| Average earning assets | $122,460,500 | 3,809 |
| Average equity | $19,403,250 | 3,249 |
| Average total loans | $97,379,000 | 3,441 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 851 |
| Cost of funding earning assets | 0.3426% | 3,647 |
| Net interest margin | 4.4790% | 642 |
| Noninterest income to average assets | 1.1404% | 856 |
| Noninterest expense to average assets | 3.4955% | 1,166 |
| Loan and lease loss provision to assets | 0.0668% | 2,804 |
| Net operating income to assets | 1.6156% | 695 |
| Return on assets (ROA) | 1.6156% | 742 |
| Pretax return on assets | 1.6156% | 1,324 |
| Return on Equity (ROE) | 11.3812% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.3812% | 394 |
| Net charge-offs to loans | 0.1235% | 1,604 |
| Credit loss provision to net charge-offs | 76.2712% | 2,407 |
| Earnings coverage of net charge-offs (x) | 19.2034% | 1,788 |
| Efficiency ratio | 67.5079% | 3,446 |
| Assets per employee ($millions) | 3.6032% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 1,071 |
| Loan loss allowance to noncurrent loans | 355.6886% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,355 |
| Noncurrent loans to loans | 0.5073% | 3,562 |
| Net loans and leases to total assets | 70.8202% | 2,349 |
| Net loans and leases to deposits | 82.9551% | 2,593 |
| Net loans and leases to core deposits | 89.2488% | 2,610 |
| Total domestic deposits to total assets | 85.3717% | 2,700 |
| Equity capital to assets | 14.3843% | 907 |
| Core capital (leverage) ratio | 11.2462% | 2,197 |
| Tier 1 risk-based capital ratio | 16.1909% | 2,553 |
| Total risk-based capital ratio | 17.4496% | 2,496 |
| Memoranda: | ||
| Average total assets | $134,688,670 | 3,800 |
| Average earning assets | $121,412,330 | 3,855 |
| Average equity | $19,119,330 | 3,285 |
| Average total loans | $95,570,000 | 3,492 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 913 |
| Cost of funding earning assets | 0.3485% | 3,616 |
| Net interest margin | 4.4178% | 708 |
| Noninterest income to average assets | 1.1170% | 877 |
| Noninterest expense to average assets | 3.4588% | 1,262 |
| Loan and lease loss provision to assets | 0.0659% | 2,644 |
| Net operating income to assets | 1.5782% | 735 |
| Return on assets (ROA) | 1.5782% | 771 |
| Pretax return on assets | 1.5782% | 1,354 |
| Return on Equity (ROE) | 11.1940% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.1940% | 619 |
| Net charge-offs to loans | 0.2298% | 887 |
| Credit loss provision to net charge-offs | 40.7407% | 2,140 |
| Earnings coverage of net charge-offs (x) | 10.1667% | 1,941 |
| Efficiency ratio | 67.7817% | 3,501 |
| Assets per employee ($millions) | 3.5351% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 1,039 |
| Loan loss allowance to noncurrent loans | 505.4441% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 3,778 |
| Noncurrent loans to loans | 0.3673% | 4,117 |
| Net loans and leases to total assets | 69.4153% | 2,438 |
| Net loans and leases to deposits | 81.1016% | 2,660 |
| Net loans and leases to core deposits | 87.3175% | 2,629 |
| Total domestic deposits to total assets | 85.5905% | 2,868 |
| Equity capital to assets | 14.2227% | 907 |
| Core capital (leverage) ratio | 11.0345% | 2,376 |
| Tier 1 risk-based capital ratio | 16.0845% | 2,640 |
| Total risk-based capital ratio | 17.3438% | 2,588 |
| Memoranda: | ||
| Average total assets | $133,573,000 | 3,845 |
| Average earning assets | $120,513,000 | 3,892 |
| Average equity | $18,831,500 | 3,325 |
| Average total loans | $93,980,500 | 3,537 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 888 |
| Cost of funding earning assets | 0.3428% | 3,766 |
| Net interest margin | 4.4791% | 682 |
| Noninterest income to average assets | 1.1478% | 894 |
| Noninterest expense to average assets | 3.2817% | 1,759 |
| Loan and lease loss provision to assets | 0.0678% | 2,935 |
| Net operating income to assets | 1.8413% | 454 |
| Return on assets (ROA) | 1.8413% | 463 |
| Pretax return on assets | 1.8413% | 739 |
| Return on Equity (ROE) | 12.5915% | 1,157 |
| Retained earnings to average equity (ytd only) | 0.6046% | 5,275 |
| Net charge-offs to loans | 0.0785% | 2,692 |
| Credit loss provision to net charge-offs | 123.6111% | 2,095 |
| Earnings coverage of net charge-offs (x) | 34.7917% | 1,306 |
| Efficiency ratio | 62.6780% | 4,500 |
| Assets per employee ($millions) | 3.4950% | 4,848 |
| Cash dividends to net income (ytd only)* | 95.1987% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 904 |
| Loan loss allowance to noncurrent loans | 243.6906% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 3,435 |
| Noncurrent loans to loans | 0.7929% | 2,809 |
| Net loans and leases to total assets | 68.6329% | 2,605 |
| Net loans and leases to deposits | 79.9986% | 2,824 |
| Net loans and leases to core deposits | 86.0160% | 2,793 |
| Total domestic deposits to total assets | 85.7926% | 2,736 |
| Equity capital to assets | 13.9725% | 936 |
| Core capital (leverage) ratio | 10.4478% | 2,990 |
| Tier 1 risk-based capital ratio | 15.9894% | 2,689 |
| Total risk-based capital ratio | 17.2504% | 2,628 |
| Memoranda: | ||
| Average total assets | $131,212,400 | 3,868 |
| Average earning assets | $118,437,800 | 3,914 |
| Average equity | $19,187,600 | 3,248 |
| Average total loans | $91,721,800 | 3,556 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 949 |
| Cost of funding earning assets | 0.3446% | 3,814 |
| Net interest margin | 4.4505% | 722 |
| Noninterest income to average assets | 1.1273% | 948 |
| Noninterest expense to average assets | 3.2911% | 1,712 |
| Loan and lease loss provision to assets | 0.0683% | 2,812 |
| Net operating income to assets | 1.7827% | 541 |
| Return on assets (ROA) | 1.7827% | 562 |
| Pretax return on assets | 1.7827% | 930 |
| Return on Equity (ROE) | 12.0543% | 1,357 |
| Retained earnings to average equity (ytd only) | 12.0543% | 361 |
| Net charge-offs to loans | 0.0831% | 2,357 |
| Credit loss provision to net charge-offs | 117.5439% | 2,023 |
| Earnings coverage of net charge-offs (x) | 31.8588% | 1,440 |
| Efficiency ratio | 63.2706% | 4,369 |
| Assets per employee ($millions) | 3.6585% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 941 |
| Loan loss allowance to noncurrent loans | 220.0492% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 3,242 |
| Noncurrent loans to loans | 0.8990% | 2,723 |
| Net loans and leases to total assets | 67.3042% | 2,805 |
| Net loans and leases to deposits | 79.7745% | 2,909 |
| Net loans and leases to core deposits | 86.1548% | 2,838 |
| Total domestic deposits to total assets | 84.3681% | 3,276 |
| Equity capital to assets | 15.3791% | 666 |
| Core capital (leverage) ratio | 11.9311% | 1,714 |
| Tier 1 risk-based capital ratio | 18.6326% | 1,868 |
| Total risk-based capital ratio | 19.8939% | 1,828 |
| Memoranda: | ||
| Average total assets | $130,812,750 | 3,916 |
| Average earning assets | $118,006,000 | 3,962 |
| Average equity | $19,345,250 | 3,264 |
| Average total loans | $91,415,250 | 3,595 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 906 |
| Cost of funding earning assets | 0.3412% | 3,906 |
| Net interest margin | 4.4495% | 694 |
| Noninterest income to average assets | 1.0819% | 1,025 |
| Noninterest expense to average assets | 3.2701% | 1,786 |
| Loan and lease loss provision to assets | 0.0674% | 2,771 |
| Net operating income to assets | 1.7607% | 556 |
| Return on assets (ROA) | 1.7607% | 581 |
| Pretax return on assets | 1.7607% | 955 |
| Return on Equity (ROE) | 12.0681% | 1,350 |
| Retained earnings to average equity (ytd only) | 12.0681% | 390 |
| Net charge-offs to loans | 0.0174% | 3,355 |
| Credit loss provision to net charge-offs | 550.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 149.1250% | 430 |
| Efficiency ratio | 63.0298% | 4,513 |
| Assets per employee ($millions) | 3.7313% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0074% | 973 |
| Loan loss allowance to noncurrent loans | 169.3097% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 2,990 |
| Noncurrent loans to loans | 1.1856% | 2,283 |
| Net loans and leases to total assets | 65.9597% | 2,957 |
| Net loans and leases to deposits | 77.4708% | 3,097 |
| Net loans and leases to core deposits | 83.5488% | 3,027 |
| Total domestic deposits to total assets | 85.1414% | 3,069 |
| Equity capital to assets | 14.6219% | 792 |
| Core capital (leverage) ratio | 11.3799% | 2,087 |
| Tier 1 risk-based capital ratio | 19.1737% | 1,757 |
| Total risk-based capital ratio | 20.4371% | 1,720 |
| Memoranda: | ||
| Average total assets | $130,515,330 | 3,951 |
| Average earning assets | $117,809,670 | 3,992 |
| Average equity | $19,042,000 | 3,309 |
| Average total loans | $91,743,000 | 3,600 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 836 |
| Cost of funding earning assets | 0.3458% | 3,914 |
| Net interest margin | 4.4680% | 641 |
| Noninterest income to average assets | 1.0419% | 1,031 |
| Noninterest expense to average assets | 3.2595% | 1,820 |
| Loan and lease loss provision to assets | 0.0684% | 2,575 |
| Net operating income to assets | 1.7324% | 548 |
| Return on assets (ROA) | 1.7324% | 581 |
| Pretax return on assets | 1.7324% | 986 |
| Return on Equity (ROE) | 11.8874% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.8874% | 584 |
| Net charge-offs to loans | 0.0087% | 3,039 |
| Credit loss provision to net charge-offs | 1,100.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 289.5000% | 197 |
| Efficiency ratio | 62.2618% | 4,759 |
| Assets per employee ($millions) | 3.6759% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 1,155 |
| Loan loss allowance to noncurrent loans | 299.3344% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 4,221 |
| Noncurrent loans to loans | 0.6556% | 3,631 |
| Net loans and leases to total assets | 67.9140% | 2,453 |
| Net loans and leases to deposits | 79.5377% | 2,614 |
| Net loans and leases to core deposits | 85.3510% | 2,611 |
| Total domestic deposits to total assets | 85.3860% | 3,230 |
| Equity capital to assets | 14.4032% | 859 |
| Core capital (leverage) ratio | 11.2888% | 2,165 |
| Tier 1 risk-based capital ratio | 17.7425% | 2,219 |
| Total risk-based capital ratio | 19.0054% | 2,184 |
| Memoranda: | ||
| Average total assets | $128,610,000 | 4,016 |
| Average earning assets | $115,666,000 | 4,069 |
| Average equity | $18,742,500 | 3,364 |
| Average total loans | $92,406,500 | 3,603 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 589 |
| Cost of funding earning assets | 0.3771% | 3,944 |
| Net interest margin | 4.7585% | 472 |
| Noninterest income to average assets | 1.0842% | 1,040 |
| Noninterest expense to average assets | 3.4739% | 1,544 |
| Loan and lease loss provision to assets | 0.0541% | 3,475 |
| Net operating income to assets | 1.7842% | 490 |
| Return on assets (ROA) | 1.7842% | 503 |
| Pretax return on assets | 1.7842% | 823 |
| Return on Equity (ROE) | 11.9086% | 1,441 |
| Retained earnings to average equity (ytd only) | 3.2439% | 3,921 |
| Net charge-offs to loans | 0.0448% | 3,932 |
| Credit loss provision to net charge-offs | 167.5000% | 1,460 |
| Earnings coverage of net charge-offs (x) | 56.9250% | 829 |
| Efficiency ratio | 63.2675% | 4,710 |
| Assets per employee ($millions) | 3.5682% | 4,781 |
| Cash dividends to net income (ytd only)* | 72.7602% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 1,292 |
| Loan loss allowance to noncurrent loans | 666.2921% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 4,789 |
| Noncurrent loans to loans | 0.2867% | 4,820 |
| Net loans and leases to total assets | 73.1559% | 1,730 |
| Net loans and leases to deposits | 86.1119% | 1,966 |
| Net loans and leases to core deposits | 92.0302% | 2,081 |
| Total domestic deposits to total assets | 84.9545% | 3,301 |
| Equity capital to assets | 14.7532% | 743 |
| Core capital (leverage) ratio | 10.9206% | 2,477 |
| Tier 1 risk-based capital ratio | 16.2116% | 2,855 |
| Total risk-based capital ratio | 17.4722% | 2,790 |
| Memoranda: | ||
| Average total assets | $123,865,400 | 4,103 |
| Average earning assets | $110,056,400 | 4,182 |
| Average equity | $18,558,000 | 3,341 |
| Average total loans | $89,341,000 | 3,644 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 642 |
| Cost of funding earning assets | 0.3809% | 4,006 |
| Net interest margin | 4.7178% | 486 |
| Noninterest income to average assets | 1.1067% | 992 |
| Noninterest expense to average assets | 3.6264% | 1,248 |
| Loan and lease loss provision to assets | 0.0723% | 2,901 |
| Net operating income to assets | 1.5899% | 772 |
| Return on assets (ROA) | 1.5899% | 801 |
| Pretax return on assets | 1.5899% | 1,358 |
| Return on Equity (ROE) | 10.5710% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.5710% | 576 |
| Net charge-offs to loans | 0.0377% | 3,743 |
| Credit loss provision to net charge-offs | 268.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 61.6448% | 847 |
| Efficiency ratio | 66.4491% | 4,147 |
| Assets per employee ($millions) | 3.4562% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 1,347 |
| Loan loss allowance to noncurrent loans | 804.4843% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 5,024 |
| Noncurrent loans to loans | 0.2426% | 5,171 |
| Net loans and leases to total assets | 72.4290% | 1,776 |
| Net loans and leases to deposits | 86.1278% | 1,892 |
| Net loans and leases to core deposits | 92.1915% | 2,023 |
| Total domestic deposits to total assets | 84.0947% | 3,722 |
| Equity capital to assets | 15.5115% | 636 |
| Core capital (leverage) ratio | 11.9849% | 1,705 |
| Tier 1 risk-based capital ratio | 17.4583% | 2,411 |
| Total risk-based capital ratio | 18.7201% | 2,368 |
| Memoranda: | ||
| Average total assets | $123,609,750 | 4,145 |
| Average earning assets | $109,568,750 | 4,229 |
| Average equity | $18,591,250 | 3,352 |
| Average total loans | $88,390,750 | 3,695 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 645 |
| Cost of funding earning assets | 0.3814% | 4,088 |
| Net interest margin | 4.6991% | 487 |
| Noninterest income to average assets | 1.1010% | 977 |
| Noninterest expense to average assets | 3.6339% | 1,236 |
| Loan and lease loss provision to assets | 0.0811% | 2,676 |
| Net operating income to assets | 1.5421% | 810 |
| Return on assets (ROA) | 1.5421% | 846 |
| Pretax return on assets | 1.5421% | 1,418 |
| Return on Equity (ROE) | 10.3623% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.3623% | 640 |
| Net charge-offs to loans | 0.0344% | 3,522 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 66.7333% | 753 |
| Efficiency ratio | 66.9648% | 4,202 |
| Assets per employee ($millions) | 3.3990% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 1,315 |
| Loan loss allowance to noncurrent loans | 642.8058% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 4,795 |
| Noncurrent loans to loans | 0.3153% | 5,066 |
| Net loans and leases to total assets | 68.6948% | 2,290 |
| Net loans and leases to deposits | 81.1200% | 2,371 |
| Net loans and leases to core deposits | 86.4119% | 2,477 |
| Total domestic deposits to total assets | 84.6830% | 3,648 |
| Equity capital to assets | 14.9528% | 710 |
| Core capital (leverage) ratio | 11.5017% | 1,998 |
| Tier 1 risk-based capital ratio | 17.2800% | 2,507 |
| Total risk-based capital ratio | 18.5419% | 2,459 |
| Memoranda: | ||
| Average total assets | $123,338,330 | 4,174 |
| Average earning assets | $109,084,330 | 4,263 |
| Average equity | $18,355,000 | 3,385 |
| Average total loans | $87,216,670 | 3,737 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 626 |
| Cost of funding earning assets | 0.3813% | 4,184 |
| Net interest margin | 4.6899% | 479 |
| Noninterest income to average assets | 1.1365% | 862 |
| Noninterest expense to average assets | 3.6454% | 1,222 |
| Loan and lease loss provision to assets | 0.0786% | 2,577 |
| Net operating income to assets | 1.5623% | 717 |
| Return on assets (ROA) | 1.5623% | 751 |
| Pretax return on assets | 1.5623% | 1,255 |
| Return on Equity (ROE) | 10.5240% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.5240% | 835 |
| Net charge-offs to loans | 0.0184% | 3,217 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 125.2500% | 388 |
| Efficiency ratio | 66.7906% | 4,402 |
| Assets per employee ($millions) | 3.2341% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 1,347 |
| Loan loss allowance to noncurrent loans | 348.1336% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 4,583 |
| Noncurrent loans to loans | 0.6000% | 4,360 |
| Net loans and leases to total assets | 67.5927% | 2,286 |
| Net loans and leases to deposits | 79.7626% | 2,330 |
| Net loans and leases to core deposits | 85.0531% | 2,414 |
| Total domestic deposits to total assets | 84.7423% | 3,978 |
| Equity capital to assets | 14.9445% | 687 |
| Core capital (leverage) ratio | 11.2448% | 2,179 |
| Tier 1 risk-based capital ratio | 17.3583% | 2,532 |
| Total risk-based capital ratio | 18.6223% | 2,495 |
| Memoranda: | ||
| Average total assets | $122,126,500 | 4,228 |
| Average earning assets | $108,062,500 | 4,314 |
| Average equity | $18,130,000 | 3,407 |
| Average total loans | $86,735,500 | 3,779 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 516 |
| Cost of funding earning assets | 0.3860% | 4,791 |
| Net interest margin | 4.9246% | 341 |
| Noninterest income to average assets | 1.2561% | 881 |
| Noninterest expense to average assets | 3.7322% | 1,237 |
| Loan and lease loss provision to assets | 0.0729% | 3,659 |
| Net operating income to assets | 1.7887% | 495 |
| Return on assets (ROA) | 1.7887% | 509 |
| Pretax return on assets | 1.7887% | 774 |
| Return on Equity (ROE) | 11.7938% | 1,488 |
| Retained earnings to average equity (ytd only) | 0.4484% | 5,646 |
| Net charge-offs to loans | 0.1331% | 3,471 |
| Credit loss provision to net charge-offs | 76.0684% | 3,137 |
| Earnings coverage of net charge-offs (x) | 19.4188% | 1,606 |
| Efficiency ratio | 64.4646% | 4,825 |
| Assets per employee ($millions) | 3.1936% | 5,498 |
| Cash dividends to net income (ytd only)* | 96.1979% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 1,608 |
| Loan loss allowance to noncurrent loans | 281.6720% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 4,118 |
| Noncurrent loans to loans | 0.7018% | 4,223 |
| Net loans and leases to total assets | 71.5890% | 1,756 |
| Net loans and leases to deposits | 84.4133% | 1,875 |
| Net loans and leases to core deposits | 90.5650% | 1,956 |
| Total domestic deposits to total assets | 84.8078% | 3,844 |
| Equity capital to assets | 14.7448% | 722 |
| Core capital (leverage) ratio | 10.6682% | 2,707 |
| Tier 1 risk-based capital ratio | 16.0802% | 3,063 |
| Total risk-based capital ratio | 17.3428% | 3,012 |
| Memoranda: | ||
| Average total assets | $122,046,600 | 4,236 |
| Average earning assets | $107,500,800 | 4,326 |
| Average equity | $18,509,800 | 3,342 |
| Average total loans | $87,889,000 | 3,738 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3041% | 529 |
| Cost of funding earning assets | 0.3868% | 4,929 |
| Net interest margin | 4.9173% | 360 |
| Noninterest income to average assets | 1.2720% | 905 |
| Noninterest expense to average assets | 3.7255% | 1,210 |
| Loan and lease loss provision to assets | 0.0731% | 3,597 |
| Net operating income to assets | 1.8000% | 527 |
| Return on assets (ROA) | 1.8000% | 549 |
| Pretax return on assets | 1.8000% | 911 |
| Return on Equity (ROE) | 11.7873% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.7873% | 453 |
| Net charge-offs to loans | 0.1186% | 3,360 |
| Credit loss provision to net charge-offs | 85.8974% | 2,714 |
| Earnings coverage of net charge-offs (x) | 22.0123% | 1,516 |
| Efficiency ratio | 64.2245% | 4,763 |
| Assets per employee ($millions) | 3.1357% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 1,712 |
| Loan loss allowance to noncurrent loans | 232.1522% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 4,106 |
| Noncurrent loans to loans | 0.8631% | 4,095 |
| Net loans and leases to total assets | 70.7449% | 1,831 |
| Net loans and leases to deposits | 84.5196% | 1,812 |
| Net loans and leases to core deposits | 90.9995% | 1,870 |
| Total domestic deposits to total assets | 83.7023% | 4,316 |
| Equity capital to assets | 15.9232% | 566 |
| Core capital (leverage) ratio | 12.2249% | 1,552 |
| Tier 1 risk-based capital ratio | 18.0072% | 2,322 |
| Total risk-based capital ratio | 19.2698% | 2,280 |
| Memoranda: | ||
| Average total assets | $122,218,750 | 4,270 |
| Average earning assets | $107,536,750 | 4,367 |
| Average equity | $18,663,750 | 3,348 |
| Average total loans | $87,703,500 | 3,767 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 524 |
| Cost of funding earning assets | 0.3921% | 5,013 |
| Net interest margin | 4.9096% | 361 |
| Noninterest income to average assets | 1.2505% | 998 |
| Noninterest expense to average assets | 3.7023% | 1,245 |
| Loan and lease loss provision to assets | 0.0720% | 3,598 |
| Net operating income to assets | 1.8004% | 519 |
| Return on assets (ROA) | 1.8004% | 558 |
| Pretax return on assets | 1.8004% | 926 |
| Return on Equity (ROE) | 11.9604% | 1,508 |
| Retained earnings to average equity (ytd only) | 11.9604% | 497 |
| Net charge-offs to loans | 0.1646% | 2,798 |
| Credit loss provision to net charge-offs | 61.1111% | 2,996 |
| Earnings coverage of net charge-offs (x) | 15.8889% | 1,700 |
| Efficiency ratio | 64.0634% | 4,862 |
| Assets per employee ($millions) | 3.0906% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 1,843 |
| Loan loss allowance to noncurrent loans | 182.6903% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 3,762 |
| Noncurrent loans to loans | 1.0955% | 3,741 |
| Net loans and leases to total assets | 71.1724% | 1,699 |
| Net loans and leases to deposits | 84.8033% | 1,703 |
| Net loans and leases to core deposits | 90.5595% | 1,855 |
| Total domestic deposits to total assets | 83.9265% | 4,351 |
| Equity capital to assets | 15.7059% | 577 |
| Core capital (leverage) ratio | 11.8069% | 1,720 |
| Tier 1 risk-based capital ratio | 17.2318% | 2,623 |
| Total risk-based capital ratio | 18.4936% | 2,588 |
| Memoranda: | ||
| Average total assets | $122,194,000 | 4,295 |
| Average earning assets | $107,626,670 | 4,395 |
| Average equity | $18,394,000 | 3,409 |
| Average total loans | $87,509,670 | 3,781 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2438% | 561 |
| Cost of funding earning assets | 0.4037% | 5,068 |
| Net interest margin | 4.8401% | 375 |
| Noninterest income to average assets | 1.2518% | 977 |
| Noninterest expense to average assets | 3.6741% | 1,287 |
| Loan and lease loss provision to assets | 0.0715% | 3,436 |
| Net operating income to assets | 1.7558% | 515 |
| Return on assets (ROA) | 1.7558% | 572 |
| Pretax return on assets | 1.7558% | 961 |
| Return on Equity (ROE) | 11.9169% | 1,445 |
| Retained earnings to average equity (ytd only) | 11.9169% | 709 |
| Net charge-offs to loans | 0.1417% | 2,553 |
| Credit loss provision to net charge-offs | 70.9677% | 2,278 |
| Earnings coverage of net charge-offs (x) | 18.1290% | 1,277 |
| Efficiency ratio | 64.4208% | 4,936 |
| Assets per employee ($millions) | 3.1394% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 1,920 |
| Loan loss allowance to noncurrent loans | 317.9533% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 4,718 |
| Noncurrent loans to loans | 0.6447% | 4,833 |
| Net loans and leases to total assets | 69.1169% | 1,819 |
| Net loans and leases to deposits | 81.6007% | 1,882 |
| Net loans and leases to core deposits | 87.2781% | 1,983 |
| Total domestic deposits to total assets | 84.7014% | 4,180 |
| Equity capital to assets | 15.0209% | 751 |
| Core capital (leverage) ratio | 11.1342% | 2,150 |
| Tier 1 risk-based capital ratio | 16.8997% | 2,800 |
| Total risk-based capital ratio | 18.1632% | 2,770 |
| Memoranda: | ||
| Average total assets | $123,024,000 | 4,331 |
| Average earning assets | $108,013,500 | 4,424 |
| Average equity | $18,125,500 | 3,507 |
| Average total loans | $87,495,000 | 3,801 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5218% | 596 |
| Cost of funding earning assets | 0.4767% | 5,375 |
| Net interest margin | 5.0451% | 357 |
| Noninterest income to average assets | 1.3370% | 867 |
| Noninterest expense to average assets | 3.6669% | 1,472 |
| Loan and lease loss provision to assets | 0.2019% | 3,118 |
| Net operating income to assets | 1.8878% | 441 |
| Return on assets (ROA) | 1.8878% | 490 |
| Pretax return on assets | 1.8878% | 770 |
| Return on Equity (ROE) | 12.4777% | 1,367 |
| Retained earnings to average equity (ytd only) | 0.3241% | 5,694 |
| Net charge-offs to loans | 0.1304% | 4,371 |
| Credit loss provision to net charge-offs | 218.5841% | 1,154 |
| Earnings coverage of net charge-offs (x) | 22.6283% | 1,253 |
| Efficiency ratio | 61.4424% | 5,324 |
| Assets per employee ($millions) | 3.1695% | 5,695 |
| Cash dividends to net income (ytd only)* | 97.4026% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0091% | 1,993 |
| Loan loss allowance to noncurrent loans | 325.4113% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 4,888 |
| Noncurrent loans to loans | 0.6174% | 4,972 |
| Net loans and leases to total assets | 70.2319% | 1,800 |
| Net loans and leases to deposits | 84.8134% | 1,660 |
| Net loans and leases to core deposits | 90.5181% | 1,780 |
| Total domestic deposits to total assets | 82.8075% | 4,794 |
| Equity capital to assets | 14.4484% | 896 |
| Core capital (leverage) ratio | 10.5024% | 2,765 |
| Tier 1 risk-based capital ratio | 15.9589% | 3,183 |
| Total risk-based capital ratio | 17.2217% | 3,135 |
| Memoranda: | ||
| Average total assets | $122,364,200 | 4,305 |
| Average earning assets | $107,193,200 | 4,410 |
| Average equity | $18,513,000 | 3,403 |
| Average total loans | $86,682,600 | 3,830 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 688 |
| Cost of funding earning assets | 0.4922% | 5,489 |
| Net interest margin | 5.0001% | 406 |
| Noninterest income to average assets | 1.3109% | 855 |
| Noninterest expense to average assets | 3.6967% | 1,366 |
| Loan and lease loss provision to assets | 0.1475% | 3,694 |
| Net operating income to assets | 1.8505% | 520 |
| Return on assets (ROA) | 1.8505% | 588 |
| Pretax return on assets | 1.8505% | 957 |
| Return on Equity (ROE) | 12.0935% | 1,599 |
| Retained earnings to average equity (ytd only) | 12.0935% | 513 |
| Net charge-offs to loans | 0.1083% | 4,309 |
| Credit loss provision to net charge-offs | 192.8571% | 1,439 |
| Earnings coverage of net charge-offs (x) | 26.1289% | 1,225 |
| Efficiency ratio | 62.6319% | 5,044 |
| Assets per employee ($millions) | 3.1426% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 2,207 |
| Loan loss allowance to noncurrent loans | 205.8965% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.9448% | 4,398 |
| Noncurrent loans to loans | 0.9637% | 4,507 |
| Net loans and leases to total assets | 68.9632% | 2,120 |
| Net loans and leases to deposits | 82.3328% | 2,071 |
| Net loans and leases to core deposits | 87.9329% | 2,225 |
| Total domestic deposits to total assets | 83.7616% | 4,335 |
| Equity capital to assets | 15.9227% | 620 |
| Core capital (leverage) ratio | 11.9804% | 1,667 |
| Tier 1 risk-based capital ratio | 18.2822% | 2,241 |
| Total risk-based capital ratio | 19.5436% | 2,209 |
| Memoranda: | ||
| Average total assets | $122,052,250 | 4,348 |
| Average earning assets | $107,007,750 | 4,465 |
| Average equity | $18,676,250 | 3,408 |
| Average total loans | $86,204,500 | 3,884 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6534% | 533 |
| Cost of funding earning assets | 0.5041% | 5,592 |
| Net interest margin | 5.1493% | 316 |
| Noninterest income to average assets | 1.2635% | 897 |
| Noninterest expense to average assets | 3.7298% | 1,326 |
| Loan and lease loss provision to assets | 0.1477% | 3,669 |
| Net operating income to assets | 1.8953% | 463 |
| Return on assets (ROA) | 1.8953% | 527 |
| Pretax return on assets | 1.8953% | 856 |
| Return on Equity (ROE) | 12.5566% | 1,485 |
| Retained earnings to average equity (ytd only) | 12.5566% | 499 |
| Net charge-offs to loans | 0.1601% | 3,643 |
| Credit loss provision to net charge-offs | 130.4348% | 2,104 |
| Earnings coverage of net charge-offs (x) | 18.0435% | 1,504 |
| Efficiency ratio | 62.3366% | 5,195 |
| Assets per employee ($millions) | 2.9337% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 2,411 |
| Loan loss allowance to noncurrent loans | 530.8917% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 5,144 |
| Noncurrent loans to loans | 0.3655% | 5,813 |
| Net loans and leases to total assets | 68.3686% | 2,222 |
| Net loans and leases to deposits | 81.1203% | 2,216 |
| Net loans and leases to core deposits | 87.1329% | 2,299 |
| Total domestic deposits to total assets | 84.2805% | 4,202 |
| Equity capital to assets | 15.3876% | 702 |
| Core capital (leverage) ratio | 11.4956% | 1,911 |
| Tier 1 risk-based capital ratio | 17.7745% | 2,372 |
| Total risk-based capital ratio | 19.0364% | 2,340 |
| Memoranda: | ||
| Average total assets | $121,882,670 | 4,377 |
| Average earning assets | $106,732,670 | 4,493 |
| Average equity | $18,396,670 | 3,443 |
| Average total loans | $86,195,000 | 3,901 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6828% | 531 |
| Cost of funding earning assets | 0.5166% | 5,709 |
| Net interest margin | 5.1662% | 311 |
| Noninterest income to average assets | 1.2606% | 896 |
| Noninterest expense to average assets | 3.7487% | 1,301 |
| Loan and lease loss provision to assets | 0.1485% | 3,505 |
| Net operating income to assets | 1.8842% | 506 |
| Return on assets (ROA) | 1.8842% | 582 |
| Pretax return on assets | 1.8842% | 911 |
| Return on Equity (ROE) | 12.6083% | 1,510 |
| Retained earnings to average equity (ytd only) | 12.6083% | 738 |
| Net charge-offs to loans | 0.0788% | 3,710 |
| Credit loss provision to net charge-offs | 264.7059% | 1,093 |
| Earnings coverage of net charge-offs (x) | 36.2353% | 813 |
| Efficiency ratio | 62.5571% | 5,177 |
| Assets per employee ($millions) | 3.0840% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 2,570 |
| Loan loss allowance to noncurrent loans | 212.7065% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 4,647 |
| Noncurrent loans to loans | 0.9103% | 4,845 |
| Net loans and leases to total assets | 68.7227% | 1,986 |
| Net loans and leases to deposits | 81.0038% | 2,062 |
| Net loans and leases to core deposits | 86.5018% | 2,230 |
| Total domestic deposits to total assets | 84.8388% | 4,108 |
| Equity capital to assets | 14.9042% | 768 |
| Core capital (leverage) ratio | 11.1201% | 2,172 |
| Tier 1 risk-based capital ratio | 16.8592% | 2,733 |
| Total risk-based capital ratio | 18.1210% | 2,684 |
| Memoranda: | ||
| Average total assets | $121,216,000 | 4,426 |
| Average earning assets | $106,074,500 | 4,542 |
| Average equity | $18,115,000 | 3,483 |
| Average total loans | $86,338,500 | 3,930 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8448% | 583 |
| Cost of funding earning assets | 0.6901% | 5,607 |
| Net interest margin | 5.1547% | 311 |
| Noninterest income to average assets | 1.1685% | 963 |
| Noninterest expense to average assets | 3.5617% | 1,826 |
| Loan and lease loss provision to assets | 0.3845% | 2,685 |
| Net operating income to assets | 1.7287% | 525 |
| Return on assets (ROA) | 1.7287% | 561 |
| Pretax return on assets | 1.7287% | 930 |
| Return on Equity (ROE) | 11.4875% | 1,564 |
| Retained earnings to average equity (ytd only) | 0.2478% | 5,713 |
| Net charge-offs to loans | 0.3556% | 3,629 |
| Credit loss provision to net charge-offs | 150.6494% | 1,869 |
| Earnings coverage of net charge-offs (x) | 8.2792% | 2,177 |
| Efficiency ratio | 60.4556% | 5,676 |
| Assets per employee ($millions) | 2.9768% | 6,141 |
| Cash dividends to net income (ytd only)* | 97.8428% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 2,541 |
| Loan loss allowance to noncurrent loans | 188.3295% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 4,599 |
| Noncurrent loans to loans | 1.0136% | 4,679 |
| Net loans and leases to total assets | 71.0332% | 1,816 |
| Net loans and leases to deposits | 83.8538% | 1,945 |
| Net loans and leases to core deposits | 89.2608% | 2,226 |
| Total domestic deposits to total assets | 84.7108% | 3,998 |
| Equity capital to assets | 14.9860% | 787 |
| Core capital (leverage) ratio | 10.7251% | 2,502 |
| Tier 1 risk-based capital ratio | 16.2739% | 2,918 |
| Total risk-based capital ratio | 17.5355% | 2,881 |
| Memoranda: | ||
| Average total assets | $120,671,800 | 4,381 |
| Average earning assets | $105,495,000 | 4,513 |
| Average equity | $18,158,800 | 3,403 |
| Average total loans | $86,618,800 | 3,944 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7795% | 728 |
| Cost of funding earning assets | 0.7286% | 5,606 |
| Net interest margin | 5.0509% | 375 |
| Noninterest income to average assets | 1.1816% | 946 |
| Noninterest expense to average assets | 3.5262% | 1,869 |
| Loan and lease loss provision to assets | 0.2467% | 3,538 |
| Net operating income to assets | 1.8292% | 491 |
| Return on assets (ROA) | 1.8292% | 533 |
| Pretax return on assets | 1.8292% | 904 |
| Return on Equity (ROE) | 12.1432% | 1,511 |
| Retained earnings to average equity (ytd only) | 3.4361% | 4,287 |
| Net charge-offs to loans | 0.4013% | 3,112 |
| Credit loss provision to net charge-offs | 85.8238% | 3,929 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,395 |
| Efficiency ratio | 60.6055% | 5,621 |
| Assets per employee ($millions) | 2.9142% | 6,288 |
| Cash dividends to net income (ytd only)* | 71.7038% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 3,341 |
| Loan loss allowance to noncurrent loans | 167.9769% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 4,669 |
| Noncurrent loans to loans | 1.0003% | 4,891 |
| Net loans and leases to total assets | 71.1585% | 1,871 |
| Net loans and leases to deposits | 84.3449% | 1,944 |
| Net loans and leases to core deposits | 89.8080% | 2,276 |
| Total domestic deposits to total assets | 84.3661% | 4,071 |
| Equity capital to assets | 15.3041% | 771 |
| Core capital (leverage) ratio | 11.0764% | 2,328 |
| Tier 1 risk-based capital ratio | 17.0613% | 2,625 |
| Total risk-based capital ratio | 18.3204% | 2,574 |
| Memoranda: | ||
| Average total assets | $121,072,000 | 4,389 |
| Average earning assets | $105,957,750 | 4,527 |
| Average equity | $18,237,500 | 3,397 |
| Average total loans | $86,717,000 | 3,981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 770 |
| Cost of funding earning assets | 0.7688% | 5,568 |
| Net interest margin | 4.9991% | 396 |
| Noninterest income to average assets | 1.1497% | 974 |
| Noninterest expense to average assets | 3.5263% | 1,918 |
| Loan and lease loss provision to assets | 0.1464% | 4,480 |
| Net operating income to assets | 1.8618% | 436 |
| Return on assets (ROA) | 1.8618% | 463 |
| Pretax return on assets | 1.8618% | 767 |
| Return on Equity (ROE) | 12.4250% | 1,366 |
| Retained earnings to average equity (ytd only) | 6.0918% | 2,366 |
| Net charge-offs to loans | 0.0622% | 5,026 |
| Credit loss provision to net charge-offs | 329.6296% | 927 |
| Earnings coverage of net charge-offs (x) | 45.2222% | 680 |
| Efficiency ratio | 61.3670% | 5,678 |
| Assets per employee ($millions) | 3.0270% | 6,026 |
| Cash dividends to net income (ytd only)* | 50.9717% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 3,018 |
| Loan loss allowance to noncurrent loans | 183.6686% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0175% | 4,842 |
| Noncurrent loans to loans | 0.9764% | 5,032 |
| Net loans and leases to total assets | 70.1916% | 2,183 |
| Net loans and leases to deposits | 84.1315% | 2,089 |
| Net loans and leases to core deposits | 89.5195% | 2,437 |
| Total domestic deposits to total assets | 83.4308% | 4,570 |
| Equity capital to assets | 15.1908% | 771 |
| Core capital (leverage) ratio | 11.0901% | 2,180 |
| Tier 1 risk-based capital ratio | 17.0380% | 2,501 |
| Total risk-based capital ratio | 18.2989% | 2,474 |
| Memoranda: | ||
| Average total assets | $121,601,330 | 4,401 |
| Average earning assets | $106,659,000 | 4,543 |
| Average equity | $18,221,330 | 3,385 |
| Average total loans | $86,797,330 | 4,026 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6942% | 893 |
| Cost of funding earning assets | 0.7911% | 5,610 |
| Net interest margin | 4.9032% | 460 |
| Noninterest income to average assets | 1.1226% | 1,041 |
| Noninterest expense to average assets | 3.4826% | 2,051 |
| Loan and lease loss provision to assets | 0.1477% | 4,165 |
| Net operating income to assets | 1.8053% | 488 |
| Return on assets (ROA) | 1.8053% | 510 |
| Pretax return on assets | 1.8053% | 810 |
| Return on Equity (ROE) | 12.1309% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.1309% | 720 |
| Net charge-offs to loans | 0.0874% | 4,077 |
| Credit loss provision to net charge-offs | 236.8421% | 1,303 |
| Earnings coverage of net charge-offs (x) | 31.3158% | 809 |
| Efficiency ratio | 61.7150% | 5,723 |
| Assets per employee ($millions) | 3.0769% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 3,180 |
| Loan loss allowance to noncurrent loans | 396.8586% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 5,676 |
| Noncurrent loans to loans | 0.4405% | 6,127 |
| Net loans and leases to total assets | 71.0077% | 1,921 |
| Net loans and leases to deposits | 85.2202% | 1,848 |
| Net loans and leases to core deposits | 90.7996% | 2,262 |
| Total domestic deposits to total assets | 83.3226% | 4,784 |
| Equity capital to assets | 15.3390% | 695 |
| Core capital (leverage) ratio | 10.8777% | 2,286 |
| Tier 1 risk-based capital ratio | 16.5237% | 2,650 |
| Total risk-based capital ratio | 17.7825% | 2,623 |
| Memoranda: | ||
| Average total assets | $121,862,000 | 4,424 |
| Average earning assets | $107,196,000 | 4,551 |
| Average equity | $18,135,500 | 3,382 |
| Average total loans | $86,926,000 | 4,049 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9933% | 858 |
| Cost of funding earning assets | 1.0837% | 5,234 |
| Net interest margin | 4.9096% | 536 |
| Noninterest income to average assets | 1.1280% | 1,161 |
| Noninterest expense to average assets | 3.5617% | 2,029 |
| Loan and lease loss provision to assets | 0.2828% | 4,543 |
| Net operating income to assets | 1.5878% | 631 |
| Return on assets (ROA) | 1.5878% | 690 |
| Pretax return on assets | 1.5878% | 1,152 |
| Return on Equity (ROE) | 10.7386% | 1,670 |
| Retained earnings to average equity (ytd only) | 2.9667% | 3,782 |
| Net charge-offs to loans | 0.1213% | 5,676 |
| Credit loss provision to net charge-offs | 330.6931% | 779 |
| Earnings coverage of net charge-offs (x) | 21.8713% | 948 |
| Efficiency ratio | 63.0709% | 5,500 |
| Assets per employee ($millions) | 3.1724% | 5,733 |
| Cash dividends to net income (ytd only)* | 72.3733% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 3,180 |
| Loan loss allowance to noncurrent loans | 1,111.9403% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 6,220 |
| Noncurrent loans to loans | 0.1538% | 6,760 |
| Net loans and leases to total assets | 69.2159% | 2,720 |
| Net loans and leases to deposits | 82.9019% | 2,645 |
| Net loans and leases to core deposits | 92.8163% | 2,409 |
| Total domestic deposits to total assets | 83.4913% | 4,611 |
| Equity capital to assets | 14.4387% | 919 |
| Core capital (leverage) ratio | 10.2394% | 2,826 |
| Tier 1 risk-based capital ratio | 15.3601% | 3,066 |
| Total risk-based capital ratio | 16.6183% | 3,019 |
| Memoranda: | ||
| Average total assets | $118,089,800 | 4,523 |
| Average earning assets | $103,532,800 | 4,621 |
| Average equity | $17,460,400 | 3,509 |
| Average total loans | $83,274,000 | 4,233 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 917 |
| Cost of funding earning assets | 1.1241% | 5,290 |
| Net interest margin | 4.8840% | 569 |
| Noninterest income to average assets | 1.1724% | 1,011 |
| Noninterest expense to average assets | 3.5309% | 1,961 |
| Loan and lease loss provision to assets | 0.2902% | 4,255 |
| Net operating income to assets | 1.6260% | 709 |
| Return on assets (ROA) | 1.6260% | 777 |
| Pretax return on assets | 1.6260% | 1,280 |
| Return on Equity (ROE) | 10.9294% | 1,806 |
| Retained earnings to average equity (ytd only) | 0.5069% | 5,596 |
| Net charge-offs to loans | 0.0454% | 6,084 |
| Credit loss provision to net charge-offs | 907.1429% | 321 |
| Earnings coverage of net charge-offs (x) | 59.8966% | 486 |
| Efficiency ratio | 62.3033% | 5,562 |
| Assets per employee ($millions) | 2.9946% | 6,162 |
| Cash dividends to net income (ytd only)* | 95.3618% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 3,049 |
| Loan loss allowance to noncurrent loans | 215.8661% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 5,345 |
| Noncurrent loans to loans | 0.8025% | 5,610 |
| Net loans and leases to total assets | 70.2287% | 2,683 |
| Net loans and leases to deposits | 83.5447% | 2,785 |
| Net loans and leases to core deposits | 92.8243% | 2,679 |
| Total domestic deposits to total assets | 84.0612% | 4,097 |
| Equity capital to assets | 14.5672% | 1,003 |
| Core capital (leverage) ratio | 10.1460% | 3,104 |
| Tier 1 risk-based capital ratio | 14.8546% | 3,325 |
| Total risk-based capital ratio | 16.1129% | 3,297 |
| Memoranda: | ||
| Average total assets | $116,681,500 | 4,623 |
| Average earning assets | $102,126,500 | 4,724 |
| Average equity | $17,359,500 | 3,583 |
| Average total loans | $82,311,000 | 4,339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 1,005 |
| Cost of funding earning assets | 1.1452% | 5,436 |
| Net interest margin | 4.8302% | 622 |
| Noninterest income to average assets | 1.1379% | 1,005 |
| Noninterest expense to average assets | 3.5314% | 1,955 |
| Loan and lease loss provision to assets | 0.3338% | 3,732 |
| Net operating income to assets | 1.4959% | 919 |
| Return on assets (ROA) | 1.4959% | 978 |
| Pretax return on assets | 1.4959% | 1,565 |
| Return on Equity (ROE) | 9.9829% | 2,113 |
| Retained earnings to average equity (ytd only) | 2.1351% | 4,786 |
| Net charge-offs to loans | 0.0468% | 5,735 |
| Credit loss provision to net charge-offs | 1,015.7895% | 367 |
| Earnings coverage of net charge-offs (x) | 55.6842% | 548 |
| Efficiency ratio | 63.2903% | 5,467 |
| Assets per employee ($millions) | 2.9658% | 6,211 |
| Cash dividends to net income (ytd only)* | 78.6127% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 2,929 |
| Loan loss allowance to noncurrent loans | 189.2857% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 5,299 |
| Noncurrent loans to loans | 0.9203% | 5,440 |
| Net loans and leases to total assets | 68.0409% | 3,355 |
| Net loans and leases to deposits | 82.2321% | 3,231 |
| Net loans and leases to core deposits | 89.2949% | 3,375 |
| Total domestic deposits to total assets | 82.7426% | 4,673 |
| Equity capital to assets | 14.8315% | 917 |
| Core capital (leverage) ratio | 10.2773% | 2,857 |
| Tier 1 risk-based capital ratio | 16.0645% | 2,643 |
| Total risk-based capital ratio | 17.3233% | 2,599 |
| Memoranda: | ||
| Average total assets | $115,647,670 | 4,665 |
| Average earning assets | $101,114,330 | 4,775 |
| Average equity | $17,329,670 | 3,579 |
| Average total loans | $81,213,000 | 4,410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9541% | 1,068 |
| Cost of funding earning assets | 1.1498% | 5,660 |
| Net interest margin | 4.8043% | 640 |
| Noninterest income to average assets | 1.1458% | 954 |
| Noninterest expense to average assets | 3.5075% | 1,960 |
| Loan and lease loss provision to assets | 0.3995% | 2,979 |
| Net operating income to assets | 1.4261% | 1,022 |
| Return on assets (ROA) | 1.4261% | 1,091 |
| Pretax return on assets | 1.4261% | 1,704 |
| Return on Equity (ROE) | 9.4668% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.9778% | 2,631 |
| Net charge-offs to loans | 0.1189% | 4,265 |
| Credit loss provision to net charge-offs | 475.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 21.7083% | 1,116 |
| Efficiency ratio | 63.2063% | 5,624 |
| Assets per employee ($millions) | 2.9061% | 6,427 |
| Cash dividends to net income (ytd only)* | 36.8550% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 3,158 |
| Loan loss allowance to noncurrent loans | 187.6045% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 5,305 |
| Noncurrent loans to loans | 0.8924% | 5,535 |
| Net loans and leases to total assets | 68.0583% | 3,373 |
| Net loans and leases to deposits | 81.2883% | 3,407 |
| Net loans and leases to core deposits | 87.2182% | 3,715 |
| Total domestic deposits to total assets | 83.7246% | 4,282 |
| Equity capital to assets | 14.8929% | 905 |
| Core capital (leverage) ratio | 10.7063% | 2,450 |
| Tier 1 risk-based capital ratio | 16.4750% | 2,466 |
| Total risk-based capital ratio | 17.7327% | 2,410 |
| Memoranda: | ||
| Average total assets | $114,155,000 | 4,763 |
| Average earning assets | $99,494,500 | 4,893 |
| Average equity | $17,197,000 | 3,623 |
| Average total loans | $80,744,500 | 4,481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3191% | 988 |
| Cost of funding earning assets | 1.4795% | 5,596 |
| Net interest margin | 4.8396% | 638 |
| Noninterest income to average assets | 1.0031% | 1,562 |
| Noninterest expense to average assets | 3.5501% | 2,270 |
| Loan and lease loss provision to assets | 0.2317% | 5,516 |
| Net operating income to assets | 1.4369% | 790 |
| Return on assets (ROA) | 1.4369% | 844 |
| Pretax return on assets | 1.4369% | 1,342 |
| Return on Equity (ROE) | 9.0925% | 1,995 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.1627% | 5,653 |
| Credit loss provision to net charge-offs | 208.0645% | 1,849 |
| Earnings coverage of net charge-offs (x) | 14.9839% | 1,336 |
| Efficiency ratio | 65.2900% | 5,539 |
| Assets per employee ($millions) | 2.8017% | 6,658 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,472 |
| Loan loss allowance to noncurrent loans | 91.6181% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.6115% | 3,956 |
| Noncurrent loans to loans | 1.6932% | 4,102 |
| Net loans and leases to total assets | 71.1824% | 2,957 |
| Net loans and leases to deposits | 85.5409% | 2,991 |
| Net loans and leases to core deposits | 113.1069% | 2,585 |
| Total domestic deposits to total assets | 83.2145% | 4,415 |
| Equity capital to assets | 15.2427% | 854 |
| Core capital (leverage) ratio | 10.7037% | 2,427 |
| Tier 1 risk-based capital ratio | 16.2414% | 2,418 |
| Total risk-based capital ratio | 17.4979% | 2,356 |
| Memoranda: | ||
| Average total assets | $111,350,000 | 4,786 |
| Average earning assets | $96,991,800 | 4,925 |
| Average equity | $17,597,000 | 3,566 |
| Average total loans | $76,222,200 | 4,646 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3154% | 1,101 |
| Cost of funding earning assets | 1.5317% | 5,709 |
| Net interest margin | 4.7837% | 709 |
| Noninterest income to average assets | 0.9523% | 1,772 |
| Noninterest expense to average assets | 3.4613% | 2,386 |
| Loan and lease loss provision to assets | 0.1367% | 5,985 |
| Net operating income to assets | 1.5231% | 773 |
| Return on assets (ROA) | 1.5231% | 826 |
| Pretax return on assets | 1.5231% | 1,349 |
| Return on Equity (ROE) | 9.5527% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.5527% | 717 |
| Net charge-offs to loans | 0.1315% | 5,384 |
| Credit loss provision to net charge-offs | 154.0541% | 3,103 |
| Earnings coverage of net charge-offs (x) | 18.7035% | 1,336 |
| Efficiency ratio | 64.7775% | 5,595 |
| Assets per employee ($millions) | 2.8727% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 3,455 |
| Loan loss allowance to noncurrent loans | 131.1161% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 4,657 |
| Noncurrent loans to loans | 1.1426% | 5,035 |
| Net loans and leases to total assets | 68.2546% | 3,902 |
| Net loans and leases to deposits | 86.7084% | 3,186 |
| Net loans and leases to core deposits | 114.4917% | 2,782 |
| Total domestic deposits to total assets | 78.7174% | 5,889 |
| Equity capital to assets | 16.3993% | 722 |
| Core capital (leverage) ratio | 11.9943% | 1,802 |
| Tier 1 risk-based capital ratio | 18.3818% | 1,893 |
| Total risk-based capital ratio | 19.6369% | 1,840 |
| Memoranda: | ||
| Average total assets | $111,170,750 | 4,824 |
| Average earning assets | $96,882,750 | 4,959 |
| Average equity | $17,725,750 | 3,576 |
| Average total loans | $75,020,500 | 4,734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3339% | 1,131 |
| Cost of funding earning assets | 1.5835% | 5,798 |
| Net interest margin | 4.7504% | 730 |
| Noninterest income to average assets | 0.9325% | 1,832 |
| Noninterest expense to average assets | 3.3477% | 2,806 |
| Loan and lease loss provision to assets | 0.1227% | 5,885 |
| Net operating income to assets | 1.6071% | 669 |
| Return on assets (ROA) | 1.6071% | 735 |
| Pretax return on assets | 1.6071% | 1,188 |
| Return on Equity (ROE) | 10.1770% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.1770% | 701 |
| Net charge-offs to loans | 0.1079% | 5,081 |
| Credit loss provision to net charge-offs | 170.0000% | 2,709 |
| Earnings coverage of net charge-offs (x) | 23.9750% | 1,170 |
| Efficiency ratio | 63.1261% | 6,069 |
| Assets per employee ($millions) | 2.7683% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 2,934 |
| Loan loss allowance to noncurrent loans | 96.6415% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 4,299 |
| Noncurrent loans to loans | 1.6079% | 4,084 |
| Net loans and leases to total assets | 65.8530% | 4,589 |
| Net loans and leases to deposits | 80.0476% | 4,539 |
| Net loans and leases to core deposits | 105.0523% | 3,954 |
| Total domestic deposits to total assets | 82.2673% | 4,585 |
| Equity capital to assets | 16.2228% | 794 |
| Core capital (leverage) ratio | 11.5129% | 2,082 |
| Tier 1 risk-based capital ratio | 18.3330% | 1,924 |
| Total risk-based capital ratio | 19.5888% | 1,870 |
| Memoranda: | ||
| Average total assets | $110,882,670 | 4,862 |
| Average earning assets | $96,749,000 | 4,982 |
| Average equity | $17,510,000 | 3,615 |
| Average total loans | $74,150,000 | 4,809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2841% | 1,349 |
| Cost of funding earning assets | 1.6700% | 5,741 |
| Net interest margin | 4.6141% | 919 |
| Noninterest income to average assets | 0.8940% | 1,880 |
| Noninterest expense to average assets | 3.3130% | 2,620 |
| Loan and lease loss provision to assets | 0.1154% | 5,489 |
| Net operating income to assets | 1.4997% | 937 |
| Return on assets (ROA) | 1.4997% | 1,008 |
| Pretax return on assets | 1.4997% | 1,669 |
| Return on Equity (ROE) | 9.6280% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.6280% | 1,304 |
| Net charge-offs to loans | 0.0539% | 4,713 |
| Credit loss provision to net charge-offs | 320.0000% | 1,538 |
| Earnings coverage of net charge-offs (x) | 44.8000% | 781 |
| Efficiency ratio | 64.3745% | 5,614 |
| Assets per employee ($millions) | 2.8661% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,803 |
| Loan loss allowance to noncurrent loans | 87.2713% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 3,837 |
| Noncurrent loans to loans | 1.7566% | 3,634 |
| Net loans and leases to total assets | 65.7977% | 4,632 |
| Net loans and leases to deposits | 80.0893% | 4,595 |
| Net loans and leases to core deposits | 106.2005% | 3,887 |
| Total domestic deposits to total assets | 82.1554% | 4,489 |
| Equity capital to assets | 15.6402% | 938 |
| Core capital (leverage) ratio | 11.1010% | 2,428 |
| Tier 1 risk-based capital ratio | 17.6759% | 2,133 |
| Total risk-based capital ratio | 18.9326% | 2,076 |
| Memoranda: | ||
| Average total assets | $110,957,500 | 4,879 |
| Average earning assets | $97,007,500 | 5,004 |
| Average equity | $17,283,000 | 3,680 |
| Average total loans | $74,189,000 | 4,830 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1005% | 916 |
| Cost of funding earning assets | 2.2246% | 5,483 |
| Net interest margin | 4.8759% | 661 |
| Noninterest income to average assets | 1.0208% | 1,523 |
| Noninterest expense to average assets | 3.4796% | 2,457 |
| Loan and lease loss provision to assets | 0.3070% | 3,916 |
| Net operating income to assets | 1.3118% | 1,454 |
| Return on assets (ROA) | 1.3118% | 1,409 |
| Pretax return on assets | 1.3561% | 2,108 |
| Return on Equity (ROE) | 8.1357% | 3,015 |
| Retained earnings to average equity (ytd only) | 2.0850% | 3,939 |
| Net charge-offs to loans | 0.2394% | 3,856 |
| Credit loss provision to net charge-offs | 196.3855% | 2,496 |
| Earnings coverage of net charge-offs (x) | 10.6386% | 2,485 |
| Efficiency ratio | 64.7500% | 5,385 |
| Assets per employee ($millions) | 2.8241% | 6,506 |
| Cash dividends to net income (ytd only)* | 74.3719% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 2,570 |
| Loan loss allowance to noncurrent loans | 85.2696% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4391% | 3,331 |
| Noncurrent loans to loans | 1.7873% | 3,079 |
| Net loans and leases to total assets | 65.8840% | 4,870 |
| Net loans and leases to deposits | 81.0400% | 4,864 |
| Net loans and leases to core deposits | 105.8232% | 4,214 |
| Total domestic deposits to total assets | 81.2982% | 4,514 |
| Equity capital to assets | 15.5113% | 1,043 |
| Core capital (leverage) ratio | 10.8099% | 2,738 |
| Tier 1 risk-based capital ratio | 17.0524% | 2,292 |
| Total risk-based capital ratio | 18.3082% | 2,247 |
| Memoranda: | ||
| Average total assets | $106,190,600 | 4,872 |
| Average earning assets | $89,768,800 | 5,091 |
| Average equity | $17,122,000 | 3,714 |
| Average total loans | $69,326,200 | 4,896 |