Home > The First National Bank of Manchester > Performance and Condition Ratios
The First National Bank of Manchester, 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 | 5.1688% | 1,725 |
| Cost of funding earning assets | 1.2198% | 2,753 |
| Net interest margin | 3.9491% | 1,277 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.0291% | 1,085 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.6462% | 3,318 |
| Return on assets (ROA) | 0.5880% | 3,463 |
| Pretax return on assets | 0.7919% | 3,230 |
| Return on Equity (ROE) | 6.8700% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.2163% | 2,527 |
| Net charge-offs to loans | 0.0874% | 995 |
| Credit loss provision to net charge-offs | 474.1379% | 703 |
| Earnings coverage of net charge-offs (x) | 20.2586% | 1,863 |
| Efficiency ratio | 72.8324% | 1,572 |
| Assets per employee ($millions) | 5.1307% | 3,538 |
| Cash dividends to net income (ytd only)* | 24.0392% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,162 |
| Loan loss allowance to noncurrent loans | 146.7742% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 824 |
| Noncurrent loans to loans | 0.9974% | 742 |
| Net loans and leases to total assets | 63.6700% | 2,490 |
| Net loans and leases to deposits | 69.6658% | 2,911 |
| Net loans and leases to core deposits | 89.8475% | 2,060 |
| Total domestic deposits to total assets | 91.3900% | 410 |
| Equity capital to assets | 7.9894% | 3,428 |
| Core capital (leverage) ratio | 8.5453% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $207,979,400 | 2,933 |
| Average earning assets | $191,919,400 | 2,931 |
| Average equity | $17,809,600 | 3,028 |
| Average total loans | $132,787,600 | 2,838 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 1,831 |
| Cost of funding earning assets | 1.0429% | 2,915 |
| Net interest margin | 3.9543% | 1,290 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.8234% | 1,386 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.8946% | 2,699 |
| Return on assets (ROA) | 0.8946% | 2,689 |
| Pretax return on assets | 1.1873% | 2,330 |
| Return on Equity (ROE) | 10.2500% | 2,573 |
| Retained earnings to average equity (ytd only) | 8.3622% | 1,850 |
| Net charge-offs to loans | 0.0808% | 913 |
| Credit loss provision to net charge-offs | 391.0256% | 730 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,653 |
| Efficiency ratio | 67.0371% | 2,141 |
| Assets per employee ($millions) | 5.1273% | 3,498 |
| Cash dividends to net income (ytd only)* | 18.4230% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,362 |
| Loan loss allowance to noncurrent loans | 111.9479% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 689 |
| Noncurrent loans to loans | 1.2704% | 602 |
| Net loans and leases to total assets | 62.1600% | 2,637 |
| Net loans and leases to deposits | 68.1954% | 2,969 |
| Net loans and leases to core deposits | 86.7000% | 2,142 |
| Total domestic deposits to total assets | 91.1400% | 637 |
| Equity capital to assets | 8.0872% | 2,994 |
| Core capital (leverage) ratio | 9.2274% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $202,254,000 | 2,979 |
| Average earning assets | $188,314,500 | 2,965 |
| Average equity | $17,650,500 | 3,028 |
| Average total loans | $128,687,500 | 2,873 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 1,779 |
| Cost of funding earning assets | 0.8419% | 3,092 |
| Net interest margin | 4.0499% | 1,151 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.8627% | 1,298 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.0042% | 2,402 |
| Return on assets (ROA) | 1.0042% | 2,402 |
| Pretax return on assets | 1.2315% | 2,282 |
| Return on Equity (ROE) | 11.2000% | 2,374 |
| Retained earnings to average equity (ytd only) | 11.1991% | 1,152 |
| Net charge-offs to loans | 0.0862% | 750 |
| Credit loss provision to net charge-offs | 481.4815% | 667 |
| Earnings coverage of net charge-offs (x) | 27.1852% | 1,593 |
| Efficiency ratio | 65.6688% | 2,287 |
| Assets per employee ($millions) | 5.0611% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,273 |
| Loan loss allowance to noncurrent loans | 147.4002% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 802 |
| Noncurrent loans to loans | 0.9982% | 757 |
| Net loans and leases to total assets | 64.7000% | 2,309 |
| Net loans and leases to deposits | 71.5397% | 2,682 |
| Net loans and leases to core deposits | 87.5718% | 1,959 |
| Total domestic deposits to total assets | 90.4400% | 803 |
| Equity capital to assets | 8.9037% | 2,586 |
| Core capital (leverage) ratio | 9.6278% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $196,181,000 | 3,027 |
| Average earning assets | $183,166,000 | 3,006 |
| Average equity | $17,590,667 | 3,053 |
| Average total loans | $125,245,000 | 2,897 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 1,697 |
| Cost of funding earning assets | 0.6505% | 3,220 |
| Net interest margin | 4.1182% | 1,072 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.9899% | 1,078 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0857% | 2,273 |
| Return on assets (ROA) | 1.0857% | 2,239 |
| Pretax return on assets | 1.3406% | 2,056 |
| Return on Equity (ROE) | 12.0600% | 2,205 |
| Retained earnings to average equity (ytd only) | 12.0644% | 1,255 |
| Net charge-offs to loans | 0.1153% | 545 |
| Credit loss provision to net charge-offs | 114.2857% | 1,048 |
| Earnings coverage of net charge-offs (x) | 19.6286% | 1,460 |
| Efficiency ratio | 67.7465% | 2,000 |
| Assets per employee ($millions) | 4.9909% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,565 |
| Loan loss allowance to noncurrent loans | 163.7127% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 935 |
| Noncurrent loans to loans | 0.8648% | 875 |
| Net loans and leases to total assets | 62.7800% | 2,380 |
| Net loans and leases to deposits | 69.5328% | 2,653 |
| Net loans and leases to core deposits | 80.1719% | 2,243 |
| Total domestic deposits to total assets | 90.2900% | 1,050 |
| Equity capital to assets | 9.1341% | 2,419 |
| Core capital (leverage) ratio | 9.6418% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $193,049,000 | 3,082 |
| Average earning assets | $180,177,000 | 3,064 |
| Average equity | $17,373,500 | 3,100 |
| Average total loans | $121,398,500 | 2,962 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 2,487 |
| Cost of funding earning assets | 0.2672% | 3,182 |
| Net interest margin | 3.4478% | 2,106 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.9956% | 974 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.5581% | 3,971 |
| Return on assets (ROA) | 0.5581% | 3,937 |
| Pretax return on assets | 0.6294% | 3,980 |
| Return on Equity (ROE) | 5.6800% | 3,889 |
| Retained earnings to average equity (ytd only) | 1.1687% | 4,165 |
| Net charge-offs to loans | 0.0458% | 1,227 |
| Credit loss provision to net charge-offs | 727.2727% | 531 |
| Earnings coverage of net charge-offs (x) | 32.9545% | 1,635 |
| Efficiency ratio | 78.7639% | 802 |
| Assets per employee ($millions) | 5.0383% | 3,649 |
| Cash dividends to net income (ytd only)* | 79.4411% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 1,284 |
| Loan loss allowance to noncurrent loans | 308.6420% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 1,670 |
| Noncurrent loans to loans | 0.4771% | 1,508 |
| Net loans and leases to total assets | 61.1600% | 2,533 |
| Net loans and leases to deposits | 67.4443% | 2,773 |
| Net loans and leases to core deposits | 76.7802% | 2,367 |
| Total domestic deposits to total assets | 90.6800% | 1,067 |
| Equity capital to assets | 8.8627% | 2,447 |
| Core capital (leverage) ratio | 9.3862% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $179,528,800 | 3,195 |
| Average earning assets | $166,920,000 | 3,186 |
| Average equity | $17,626,400 | 3,154 |
| Average total loans | $96,085,400 | 3,204 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 2,816 |
| Cost of funding earning assets | 0.2161% | 3,077 |
| Net interest margin | 3.2201% | 2,567 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.9279% | 1,009 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5740% | 3,901 |
| Return on assets (ROA) | 0.5740% | 3,852 |
| Pretax return on assets | 0.6434% | 3,909 |
| Return on Equity (ROE) | 5.7000% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.3509% | 2,976 |
| Net charge-offs to loans | 0.0575% | 903 |
| Credit loss provision to net charge-offs | 102.5641% | 1,304 |
| Earnings coverage of net charge-offs (x) | 22.8718% | 1,662 |
| Efficiency ratio | 81.2959% | 697 |
| Assets per employee ($millions) | 5.1145% | 3,578 |
| Cash dividends to net income (ytd only)* | 6.0526% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,380 |
| Loan loss allowance to noncurrent loans | 258.7719% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 1,704 |
| Noncurrent loans to loans | 0.5687% | 1,414 |
| Net loans and leases to total assets | 53.6300% | 3,135 |
| Net loans and leases to deposits | 59.3586% | 3,253 |
| Net loans and leases to core deposits | 73.1214% | 2,415 |
| Total domestic deposits to total assets | 90.3500% | 1,502 |
| Equity capital to assets | 9.4058% | 1,942 |
| Core capital (leverage) ratio | 10.3188% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $176,547,500 | 3,245 |
| Average earning assets | $164,090,000 | 3,234 |
| Average equity | $17,791,000 | 3,177 |
| Average total loans | $90,397,750 | 3,293 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 2,982 |
| Cost of funding earning assets | 0.2229% | 2,610 |
| Net interest margin | 2.9986% | 2,877 |
| Noninterest income to average assets | 0.6287% | 1,624 |
| Noninterest expense to average assets | 2.9111% | 975 |
| Loan and lease loss provision to assets | 0.0115% | 2,387 |
| Net operating income to assets | 0.4838% | 3,940 |
| Return on assets (ROA) | 0.4838% | 3,890 |
| Pretax return on assets | 0.4884% | 4,018 |
| Return on Equity (ROE) | 4.6912% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.1786% | 3,019 |
| Net charge-offs to loans | 0.0230% | 1,267 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,219 |
| Efficiency ratio | 85.3437% | 603 |
| Assets per employee ($millions) | 4.4322% | 4,132 |
| Cash dividends to net income (ytd only)* | 10.9264% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,257 |
| Loan loss allowance to noncurrent loans | 218.6944% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 1,480 |
| Noncurrent loans to loans | 0.7118% | 1,216 |
| Net loans and leases to total assets | 52.5828% | 3,103 |
| Net loans and leases to deposits | 58.5198% | 3,179 |
| Net loans and leases to core deposits | 72.3262% | 2,304 |
| Total domestic deposits to total assets | 89.8548% | 1,769 |
| Equity capital to assets | 9.9083% | 1,761 |
| Core capital (leverage) ratio | 10.3957% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,023,000 | 3,298 |
| Average earning assets | $161,474,333 | 3,303 |
| Average equity | $17,948,667 | 3,239 |
| Average total loans | $87,122,333 | 3,365 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1411% | 2,852 |
| Cost of funding earning assets | 0.2281% | 2,426 |
| Net interest margin | 2.9130% | 2,792 |
| Noninterest income to average assets | 0.6311% | 1,565 |
| Noninterest expense to average assets | 3.0767% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2506% | 4,237 |
| Return on assets (ROA) | 0.2506% | 4,212 |
| Pretax return on assets | 0.2506% | 4,264 |
| Return on Equity (ROE) | 2.3815% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.3815% | 3,440 |
| Net charge-offs to loans | -0.0240% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4686% | 444 |
| Assets per employee ($millions) | 4.2933% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 958 |
| Loan loss allowance to noncurrent loans | 171.7770% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 1,197 |
| Noncurrent loans to loans | 1.0209% | 888 |
| Net loans and leases to total assets | 48.2464% | 3,363 |
| Net loans and leases to deposits | 53.9417% | 3,423 |
| Net loans and leases to core deposits | 66.6096% | 2,571 |
| Total domestic deposits to total assets | 89.4417% | 1,847 |
| Equity capital to assets | 10.3306% | 1,674 |
| Core capital (leverage) ratio | 10.4339% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,391,500 | 3,328 |
| Average earning assets | $159,563,000 | 3,332 |
| Average equity | $18,140,000 | 3,315 |
| Average total loans | $83,335,500 | 3,412 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2083% | 3,454 |
| Cost of funding earning assets | 0.2897% | 2,510 |
| Net interest margin | 2.9186% | 3,400 |
| Noninterest income to average assets | 0.5593% | 2,324 |
| Noninterest expense to average assets | 2.7261% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4670% | 4,149 |
| Return on assets (ROA) | 0.5086% | 4,117 |
| Pretax return on assets | 0.5437% | 4,187 |
| Return on Equity (ROE) | 4.7545% | 4,053 |
| Retained earnings to average equity (ytd only) | 4.2597% | 3,107 |
| Net charge-offs to loans | -0.0278% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5166% | 545 |
| Assets per employee ($millions) | 4.3263% | 4,252 |
| Cash dividends to net income (ytd only)* | 10.4072% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 882 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 2,328 |
| Noncurrent loans to loans | 0.3255% | 2,422 |
| Net loans and leases to total assets | 46.7281% | 3,631 |
| Net loans and leases to deposits | 52.5122% | 3,701 |
| Net loans and leases to core deposits | 64.8830% | 2,911 |
| Total domestic deposits to total assets | 88.9853% | 1,524 |
| Equity capital to assets | 10.7131% | 2,004 |
| Core capital (leverage) ratio | 10.3099% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,799,200 | 3,263 |
| Average earning assets | $158,776,800 | 3,290 |
| Average equity | $18,592,800 | 3,338 |
| Average total loans | $79,114,800 | 3,494 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2908% | 3,415 |
| Cost of funding earning assets | 0.3050% | 2,546 |
| Net interest margin | 2.9858% | 3,344 |
| Noninterest income to average assets | 0.5426% | 2,447 |
| Noninterest expense to average assets | 2.5404% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6356% | 3,937 |
| Return on assets (ROA) | 0.6882% | 3,858 |
| Pretax return on assets | 0.7771% | 3,934 |
| Return on Equity (ROE) | 6.4350% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.1053% | 2,776 |
| Net charge-offs to loans | -0.0426% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9633% | 876 |
| Assets per employee ($millions) | 4.4877% | 4,131 |
| Cash dividends to net income (ytd only)* | 5.1225% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 788 |
| Loan loss allowance to noncurrent loans | 504.0956% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 2,478 |
| Noncurrent loans to loans | 0.3748% | 2,436 |
| Net loans and leases to total assets | 43.8181% | 3,965 |
| Net loans and leases to deposits | 49.3755% | 4,036 |
| Net loans and leases to core deposits | 60.7224% | 3,426 |
| Total domestic deposits to total assets | 88.7447% | 1,434 |
| Equity capital to assets | 10.7503% | 2,215 |
| Core capital (leverage) ratio | 10.3607% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,986,500 | 3,294 |
| Average earning assets | $158,254,250 | 3,327 |
| Average equity | $18,606,250 | 3,376 |
| Average total loans | $78,309,250 | 3,551 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 3,326 |
| Cost of funding earning assets | 0.3225% | 2,563 |
| Net interest margin | 3.0208% | 3,271 |
| Noninterest income to average assets | 0.6266% | 2,097 |
| Noninterest expense to average assets | 2.4925% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7464% | 3,651 |
| Return on assets (ROA) | 0.7464% | 3,716 |
| Pretax return on assets | 0.8638% | 3,736 |
| Return on Equity (ROE) | 6.9915% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.9915% | 2,437 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2622% | 1,227 |
| Assets per employee ($millions) | 5.5893% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 806 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 1,881 |
| Noncurrent loans to loans | 0.9268% | 1,335 |
| Net loans and leases to total assets | 44.3700% | 4,020 |
| Net loans and leases to deposits | 50.0114% | 4,112 |
| Net loans and leases to core deposits | 61.5593% | 3,502 |
| Total domestic deposits to total assets | 88.7198% | 1,436 |
| Equity capital to assets | 10.8179% | 2,129 |
| Core capital (leverage) ratio | 10.1525% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,642,333 | 3,303 |
| Average earning assets | $156,910,667 | 3,343 |
| Average equity | $18,536,667 | 3,380 |
| Average total loans | $78,356,667 | 3,573 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 3,721 |
| Cost of funding earning assets | 0.3363% | 2,653 |
| Net interest margin | 2.8458% | 3,652 |
| Noninterest income to average assets | 0.5753% | 2,308 |
| Noninterest expense to average assets | 2.5289% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5523% | 4,064 |
| Return on assets (ROA) | 0.5523% | 4,105 |
| Pretax return on assets | 0.5776% | 4,224 |
| Return on Equity (ROE) | 5.2081% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.2081% | 3,159 |
| Net charge-offs to loans | 0.0612% | 916 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 20.9167% | 1,239 |
| Efficiency ratio | 81.4074% | 734 |
| Assets per employee ($millions) | 4.9639% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 840 |
| Loan loss allowance to noncurrent loans | 172.6619% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 1,939 |
| Noncurrent loans to loans | 1.0548% | 1,276 |
| Net loans and leases to total assets | 43.4412% | 4,150 |
| Net loans and leases to deposits | 48.6348% | 4,236 |
| Net loans and leases to core deposits | 59.1446% | 3,761 |
| Total domestic deposits to total assets | 89.3211% | 1,161 |
| Equity capital to assets | 10.2855% | 2,444 |
| Core capital (leverage) ratio | 10.1530% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,829,500 | 3,296 |
| Average earning assets | $154,616,000 | 3,367 |
| Average equity | $18,433,000 | 3,381 |
| Average total loans | $78,369,500 | 3,594 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5685% | 3,882 |
| Cost of funding earning assets | 0.5000% | 2,945 |
| Net interest margin | 3.0684% | 3,700 |
| Noninterest income to average assets | 0.9695% | 1,107 |
| Noninterest expense to average assets | 2.8483% | 1,821 |
| Loan and lease loss provision to assets | 0.0515% | 3,733 |
| Net operating income to assets | 0.7878% | 3,143 |
| Return on assets (ROA) | 0.7878% | 3,262 |
| Pretax return on assets | 0.8730% | 3,441 |
| Return on Equity (ROE) | 5.9121% | 3,611 |
| Retained earnings to average equity (ytd only) | -14.4274% | 4,945 |
| Net charge-offs to loans | -0.0507% | 4,671 |
| Credit loss provision to net charge-offs | -218.9189% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4968% | 1,292 |
| Assets per employee ($millions) | 4.6933% | 3,725 |
| Cash dividends to net income (ytd only)* | 344.0323% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 764 |
| Loan loss allowance to noncurrent loans | 172.2420% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 2,002 |
| Noncurrent loans to loans | 1.0854% | 1,305 |
| Net loans and leases to total assets | 45.1101% | 4,187 |
| Net loans and leases to deposits | 50.9428% | 4,268 |
| Net loans and leases to core deposits | 63.3240% | 3,747 |
| Total domestic deposits to total assets | 88.5505% | 1,191 |
| Equity capital to assets | 10.9411% | 2,307 |
| Core capital (leverage) ratio | 10.3190% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,394,000 | 3,314 |
| Average earning assets | $143,786,000 | 3,336 |
| Average equity | $20,974,000 | 3,099 |
| Average total loans | $73,017,600 | 3,672 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 3,913 |
| Cost of funding earning assets | 0.5151% | 3,139 |
| Net interest margin | 3.1338% | 3,659 |
| Noninterest income to average assets | 0.7327% | 1,694 |
| Noninterest expense to average assets | 2.8391% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7180% | 3,399 |
| Return on assets (ROA) | 0.7180% | 3,501 |
| Pretax return on assets | 0.7810% | 3,695 |
| Return on Equity (ROE) | 5.1366% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.7847% | 2,660 |
| Net charge-offs to loans | -0.0575% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4267% | 994 |
| Assets per employee ($millions) | 4.6345% | 3,676 |
| Cash dividends to net income (ytd only)* | 6.8510% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 710 |
| Loan loss allowance to noncurrent loans | 170.6250% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,216 |
| Noncurrent loans to loans | 1.0586% | 1,412 |
| Net loans and leases to total assets | 44.4765% | 4,398 |
| Net loans and leases to deposits | 51.5925% | 4,428 |
| Net loans and leases to core deposits | 64.5070% | 3,984 |
| Total domestic deposits to total assets | 86.2072% | 1,982 |
| Equity capital to assets | 13.3930% | 1,032 |
| Core capital (leverage) ratio | 12.6804% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,502,500 | 3,325 |
| Average earning assets | $142,359,500 | 3,340 |
| Average equity | $21,596,000 | 3,041 |
| Average total loans | $71,854,500 | 3,712 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7394% | 4,006 |
| Cost of funding earning assets | 0.5317% | 3,337 |
| Net interest margin | 3.2077% | 3,650 |
| Noninterest income to average assets | 0.6330% | 2,004 |
| Noninterest expense to average assets | 2.9842% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5772% | 3,809 |
| Return on assets (ROA) | 0.5772% | 3,886 |
| Pretax return on assets | 0.6011% | 4,060 |
| Return on Equity (ROE) | 4.0663% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.0663% | 2,869 |
| Net charge-offs to loans | -0.0538% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2344% | 685 |
| Assets per employee ($millions) | 4.5554% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 570 |
| Loan loss allowance to noncurrent loans | 112.2924% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 1,644 |
| Noncurrent loans to loans | 1.6609% | 877 |
| Net loans and leases to total assets | 43.3781% | 4,483 |
| Net loans and leases to deposits | 50.2518% | 4,517 |
| Net loans and leases to core deposits | 63.0519% | 4,122 |
| Total domestic deposits to total assets | 86.3214% | 1,883 |
| Equity capital to assets | 13.3304% | 1,032 |
| Core capital (leverage) ratio | 13.4012% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,389,667 | 3,354 |
| Average earning assets | $138,419,000 | 3,368 |
| Average equity | $21,346,333 | 3,044 |
| Average total loans | $70,616,000 | 3,741 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 4,158 |
| Cost of funding earning assets | 0.5537% | 3,675 |
| Net interest margin | 3.2831% | 3,633 |
| Noninterest income to average assets | 0.6797% | 1,729 |
| Noninterest expense to average assets | 3.0309% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6602% | 3,408 |
| Return on assets (ROA) | 0.6602% | 3,470 |
| Pretax return on assets | 0.7048% | 3,674 |
| Return on Equity (ROE) | 4.4952% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.4952% | 2,500 |
| Net charge-offs to loans | -0.0287% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1335% | 1,031 |
| Assets per employee ($millions) | 4.0543% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9504% | 553 |
| Loan loss allowance to noncurrent loans | 101.5945% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 1,444 |
| Noncurrent loans to loans | 1.9198% | 760 |
| Net loans and leases to total assets | 46.0851% | 4,420 |
| Net loans and leases to deposits | 54.2325% | 4,435 |
| Net loans and leases to core deposits | 61.8753% | 4,277 |
| Total domestic deposits to total assets | 84.9770% | 2,420 |
| Equity capital to assets | 14.7106% | 833 |
| Core capital (leverage) ratio | 14.2501% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,588,000 | 3,417 |
| Average earning assets | $133,653,500 | 3,401 |
| Average equity | $21,089,000 | 3,064 |
| Average total loans | $69,679,500 | 3,768 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 4,304 |
| Cost of funding earning assets | 0.4938% | 4,119 |
| Net interest margin | 3.4836% | 3,503 |
| Noninterest income to average assets | 0.7415% | 1,659 |
| Noninterest expense to average assets | 3.1011% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8361% | 3,429 |
| Return on assets (ROA) | 0.8486% | 3,479 |
| Pretax return on assets | 0.9334% | 3,642 |
| Return on Equity (ROE) | 5.9378% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.3596% | 2,243 |
| Net charge-offs to loans | 0.0493% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 38.7879% | 1,343 |
| Efficiency ratio | 77.1265% | 1,250 |
| Assets per employee ($millions) | 4.1535% | 3,695 |
| Cash dividends to net income (ytd only)* | 9.7375% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 574 |
| Loan loss allowance to noncurrent loans | 98.7407% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 1,283 |
| Noncurrent loans to loans | 1.9079% | 687 |
| Net loans and leases to total assets | 49.1602% | 4,365 |
| Net loans and leases to deposits | 57.8153% | 4,379 |
| Net loans and leases to core deposits | 66.7173% | 4,151 |
| Total domestic deposits to total assets | 85.0297% | 2,479 |
| Equity capital to assets | 14.6629% | 878 |
| Core capital (leverage) ratio | 14.4594% | 811 |
| Tier 1 risk-based capital ratio | 22.5848% | 954 |
| Total risk-based capital ratio | 23.8367% | 940 |
| Memoranda: | ||
| Average total assets | $139,175,400 | 3,450 |
| Average earning assets | $131,014,000 | 3,404 |
| Average equity | $19,889,600 | 3,144 |
| Average total loans | $66,873,000 | 3,838 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 4,425 |
| Cost of funding earning assets | 0.4752% | 4,243 |
| Net interest margin | 3.4918% | 3,583 |
| Noninterest income to average assets | 0.7375% | 1,629 |
| Noninterest expense to average assets | 3.0192% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9125% | 3,303 |
| Return on assets (ROA) | 0.9125% | 3,381 |
| Pretax return on assets | 1.0038% | 3,588 |
| Return on Equity (ROE) | 6.4277% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.0416% | 2,357 |
| Net charge-offs to loans | -0.0081% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0478% | 1,441 |
| Assets per employee ($millions) | 3.8515% | 4,100 |
| Cash dividends to net income (ytd only)* | 6.0065% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 507 |
| Loan loss allowance to noncurrent loans | 102.2371% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 1,362 |
| Noncurrent loans to loans | 1.9061% | 738 |
| Net loans and leases to total assets | 49.7519% | 4,441 |
| Net loans and leases to deposits | 58.5913% | 4,449 |
| Net loans and leases to core deposits | 66.9946% | 4,222 |
| Total domestic deposits to total assets | 84.9135% | 2,452 |
| Equity capital to assets | 14.8716% | 880 |
| Core capital (leverage) ratio | 14.1621% | 944 |
| Tier 1 risk-based capital ratio | 23.6179% | 882 |
| Total risk-based capital ratio | 24.8718% | 866 |
| Memoranda: | ||
| Average total assets | $138,664,250 | 3,487 |
| Average earning assets | $130,473,000 | 3,453 |
| Average equity | $19,685,250 | 3,184 |
| Average total loans | $65,902,000 | 3,902 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 4,531 |
| Cost of funding earning assets | 0.4520% | 4,316 |
| Net interest margin | 3.4599% | 3,717 |
| Noninterest income to average assets | 0.7312% | 1,594 |
| Noninterest expense to average assets | 3.0389% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8798% | 3,359 |
| Return on assets (ROA) | 0.8798% | 3,425 |
| Pretax return on assets | 0.9490% | 3,712 |
| Return on Equity (ROE) | 6.2972% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.7088% | 2,412 |
| Net charge-offs to loans | -0.1925% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2025% | 1,365 |
| Assets per employee ($millions) | 3.7267% | 4,213 |
| Cash dividends to net income (ytd only)* | 9.3443% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 352 |
| Loan loss allowance to noncurrent loans | 91.2460% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 1,164 |
| Noncurrent loans to loans | 2.3663% | 533 |
| Net loans and leases to total assets | 46.9283% | 4,607 |
| Net loans and leases to deposits | 55.0495% | 4,629 |
| Net loans and leases to core deposits | 62.9343% | 4,459 |
| Total domestic deposits to total assets | 85.2476% | 2,363 |
| Equity capital to assets | 14.5885% | 924 |
| Core capital (leverage) ratio | 13.9383% | 988 |
| Tier 1 risk-based capital ratio | 22.4144% | 1,010 |
| Total risk-based capital ratio | 23.6693% | 989 |
| Memoranda: | ||
| Average total assets | $138,667,670 | 3,508 |
| Average earning assets | $130,523,330 | 3,470 |
| Average equity | $19,373,670 | 3,210 |
| Average total loans | $64,418,000 | 3,967 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 4,695 |
| Cost of funding earning assets | 0.4279% | 4,371 |
| Net interest margin | 3.3838% | 3,928 |
| Noninterest income to average assets | 0.7220% | 1,538 |
| Noninterest expense to average assets | 2.9398% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9234% | 3,151 |
| Return on assets (ROA) | 0.9234% | 3,185 |
| Pretax return on assets | 0.9665% | 3,562 |
| Return on Equity (ROE) | 6.7570% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.7570% | 2,134 |
| Net charge-offs to loans | 0.0378% | 1,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 957 |
| Efficiency ratio | 75.2577% | 1,580 |
| Assets per employee ($millions) | 3.7639% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 456 |
| Loan loss allowance to noncurrent loans | 87.2354% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1194% | 1,229 |
| Noncurrent loans to loans | 2.3506% | 576 |
| Net loans and leases to total assets | 46.6470% | 4,642 |
| Net loans and leases to deposits | 54.2724% | 4,669 |
| Net loans and leases to core deposits | 62.0480% | 4,472 |
| Total domestic deposits to total assets | 85.9498% | 2,305 |
| Equity capital to assets | 13.9482% | 1,056 |
| Core capital (leverage) ratio | 13.6729% | 1,038 |
| Tier 1 risk-based capital ratio | 21.7566% | 1,080 |
| Total risk-based capital ratio | 23.0099% | 1,058 |
| Memoranda: | ||
| Average total assets | $139,057,000 | 3,545 |
| Average earning assets | $130,860,000 | 3,504 |
| Average equity | $19,002,500 | 3,262 |
| Average total loans | $63,558,500 | 4,020 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 4,827 |
| Cost of funding earning assets | 0.3242% | 4,441 |
| Net interest margin | 3.2526% | 4,374 |
| Noninterest income to average assets | 0.9170% | 1,137 |
| Noninterest expense to average assets | 2.9027% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8961% | 3,452 |
| Return on assets (ROA) | 0.8961% | 3,445 |
| Pretax return on assets | 1.0011% | 3,598 |
| Return on Equity (ROE) | 6.9551% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.3131% | 2,027 |
| Net charge-offs to loans | -0.1956% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3552% | 1,580 |
| Assets per employee ($millions) | 3.7527% | 4,241 |
| Cash dividends to net income (ytd only)* | 9.2295% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2469% | 304 |
| Loan loss allowance to noncurrent loans | 105.6458% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 1,478 |
| Noncurrent loans to loans | 2.1269% | 619 |
| Net loans and leases to total assets | 42.8005% | 4,851 |
| Net loans and leases to deposits | 49.5551% | 4,897 |
| Net loans and leases to core deposits | 56.8232% | 4,750 |
| Total domestic deposits to total assets | 86.3694% | 2,063 |
| Equity capital to assets | 13.3814% | 1,190 |
| Core capital (leverage) ratio | 13.2542% | 1,156 |
| Tier 1 risk-based capital ratio | 21.7783% | 1,057 |
| Total risk-based capital ratio | 23.0327% | 1,040 |
| Memoranda: | ||
| Average total assets | $139,043,800 | 3,521 |
| Average earning assets | $127,684,400 | 3,531 |
| Average equity | $17,915,000 | 3,301 |
| Average total loans | $55,734,000 | 4,193 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5304% | 4,900 |
| Cost of funding earning assets | 0.3192% | 4,384 |
| Net interest margin | 3.2112% | 4,489 |
| Noninterest income to average assets | 0.9672% | 1,019 |
| Noninterest expense to average assets | 2.8239% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9662% | 3,233 |
| Return on assets (ROA) | 0.9662% | 3,246 |
| Pretax return on assets | 1.0746% | 3,487 |
| Return on Equity (ROE) | 7.5722% | 3,723 |
| Retained earnings to average equity (ytd only) | 7.1440% | 2,052 |
| Net charge-offs to loans | -0.2619% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4367% | 1,818 |
| Assets per employee ($millions) | 3.8635% | 4,088 |
| Cash dividends to net income (ytd only)* | 5.6549% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4080% | 271 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 1,471 |
| Noncurrent loans to loans | 2.4080% | 554 |
| Net loans and leases to total assets | 39.7747% | 5,032 |
| Net loans and leases to deposits | 45.7925% | 5,060 |
| Net loans and leases to core deposits | 52.1429% | 4,966 |
| Total domestic deposits to total assets | 86.8585% | 1,791 |
| Equity capital to assets | 12.8503% | 1,396 |
| Core capital (leverage) ratio | 12.8946% | 1,329 |
| Tier 1 risk-based capital ratio | 22.2541% | 1,023 |
| Total risk-based capital ratio | 23.5090% | 999 |
| Memoranda: | ||
| Average total assets | $139,092,500 | 3,554 |
| Average earning assets | $126,968,250 | 3,578 |
| Average equity | $17,748,750 | 3,348 |
| Average total loans | $54,469,000 | 4,263 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 4,908 |
| Cost of funding earning assets | 0.3085% | 4,362 |
| Net interest margin | 3.2030% | 4,496 |
| Noninterest income to average assets | 1.0108% | 937 |
| Noninterest expense to average assets | 2.7564% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0468% | 2,825 |
| Return on assets (ROA) | 1.0468% | 2,820 |
| Pretax return on assets | 1.1503% | 3,131 |
| Return on Equity (ROE) | 8.2226% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.5788% | 1,807 |
| Net charge-offs to loans | -0.4839% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5558% | 2,232 |
| Assets per employee ($millions) | 3.9390% | 4,005 |
| Cash dividends to net income (ytd only)* | 7.8297% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 246 |
| Loan loss allowance to noncurrent loans | 98.2307% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 989 |
| Noncurrent loans to loans | 2.5493% | 506 |
| Net loans and leases to total assets | 39.1978% | 5,082 |
| Net loans and leases to deposits | 45.1172% | 5,118 |
| Net loans and leases to core deposits | 51.8514% | 4,998 |
| Total domestic deposits to total assets | 86.8799% | 1,891 |
| Equity capital to assets | 12.8938% | 1,351 |
| Core capital (leverage) ratio | 12.5426% | 1,414 |
| Tier 1 risk-based capital ratio | 22.6475% | 968 |
| Total risk-based capital ratio | 23.9037% | 950 |
| Memoranda: | ||
| Average total assets | $139,094,670 | 3,583 |
| Average earning assets | $125,758,000 | 3,625 |
| Average equity | $17,707,330 | 3,365 |
| Average total loans | $53,730,000 | 4,311 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 4,830 |
| Cost of funding earning assets | 0.2998% | 4,355 |
| Net interest margin | 3.2266% | 4,382 |
| Noninterest income to average assets | 0.7158% | 1,761 |
| Noninterest expense to average assets | 2.6655% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8017% | 3,695 |
| Return on assets (ROA) | 0.8017% | 3,707 |
| Pretax return on assets | 0.9162% | 3,794 |
| Return on Equity (ROE) | 6.3374% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.3374% | 2,569 |
| Net charge-offs to loans | -0.9001% | 5,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4205% | 1,838 |
| Assets per employee ($millions) | 3.8945% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5925% | 231 |
| Loan loss allowance to noncurrent loans | 104.3973% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 1,122 |
| Noncurrent loans to loans | 2.4833% | 550 |
| Net loans and leases to total assets | 36.9022% | 5,177 |
| Net loans and leases to deposits | 42.2634% | 5,210 |
| Net loans and leases to core deposits | 48.3208% | 5,092 |
| Total domestic deposits to total assets | 87.3148% | 2,002 |
| Equity capital to assets | 12.5290% | 1,466 |
| Core capital (leverage) ratio | 13.0121% | 1,176 |
| Tier 1 risk-based capital ratio | 23.6651% | 872 |
| Total risk-based capital ratio | 24.9216% | 848 |
| Memoranda: | ||
| Average total assets | $139,709,500 | 3,616 |
| Average earning assets | $124,092,500 | 3,678 |
| Average equity | $17,673,000 | 3,398 |
| Average total loans | $52,881,000 | 4,374 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 4,979 |
| Cost of funding earning assets | 0.3097% | 4,042 |
| Net interest margin | 3.0624% | 4,765 |
| Noninterest income to average assets | 0.7412% | 1,802 |
| Noninterest expense to average assets | 2.8759% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3712% | 4,784 |
| Return on assets (ROA) | 0.3731% | 4,794 |
| Pretax return on assets | 0.5647% | 4,815 |
| Return on Equity (ROE) | 2.9030% | 4,856 |
| Retained earnings to average equity (ytd only) | 2.2610% | 3,963 |
| Net charge-offs to loans | 0.2549% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 6.0698% | 3,231 |
| Efficiency ratio | 83.6569% | 798 |
| Assets per employee ($millions) | 4.2187% | 3,625 |
| Cash dividends to net income (ytd only)* | 22.1154% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3895% | 284 |
| Loan loss allowance to noncurrent loans | 92.7045% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 1,036 |
| Noncurrent loans to loans | 2.5775% | 508 |
| Net loans and leases to total assets | 36.9131% | 5,259 |
| Net loans and leases to deposits | 42.4222% | 5,283 |
| Net loans and leases to core deposits | 48.6938% | 5,172 |
| Total domestic deposits to total assets | 87.0137% | 1,991 |
| Equity capital to assets | 12.7715% | 1,368 |
| Core capital (leverage) ratio | 12.8825% | 1,185 |
| Tier 1 risk-based capital ratio | 23.4040% | 866 |
| Total risk-based capital ratio | 24.6582% | 854 |
| Memoranda: | ||
| Average total assets | $139,366,000 | 3,618 |
| Average earning assets | $122,714,000 | 3,702 |
| Average equity | $17,912,400 | 3,379 |
| Average total loans | $50,613,600 | 4,442 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 5,036 |
| Cost of funding earning assets | 0.3080% | 4,051 |
| Net interest margin | 3.0442% | 4,824 |
| Noninterest income to average assets | 0.7374% | 1,846 |
| Noninterest expense to average assets | 2.8253% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5094% | 4,705 |
| Return on assets (ROA) | 0.5126% | 4,725 |
| Pretax return on assets | 0.6006% | 4,843 |
| Return on Equity (ROE) | 3.9823% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.5588% | 3,796 |
| Net charge-offs to loans | 0.3592% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.6221% | 3,202 |
| Efficiency ratio | 82.5601% | 872 |
| Assets per employee ($millions) | 3.6458% | 4,520 |
| Cash dividends to net income (ytd only)* | 10.6346% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5717% | 244 |
| Loan loss allowance to noncurrent loans | 90.9884% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3880% | 1,126 |
| Noncurrent loans to loans | 2.8264% | 477 |
| Net loans and leases to total assets | 34.2365% | 5,410 |
| Net loans and leases to deposits | 39.6006% | 5,433 |
| Net loans and leases to core deposits | 45.8511% | 5,315 |
| Total domestic deposits to total assets | 86.4546% | 2,116 |
| Equity capital to assets | 13.2011% | 1,294 |
| Core capital (leverage) ratio | 13.0596% | 1,190 |
| Tier 1 risk-based capital ratio | 27.5641% | 586 |
| Total risk-based capital ratio | 28.8215% | 579 |
| Memoranda: | ||
| Average total assets | $139,403,500 | 3,654 |
| Average earning assets | $122,942,500 | 3,733 |
| Average equity | $17,945,500 | 3,401 |
| Average total loans | $50,105,250 | 4,499 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 5,033 |
| Cost of funding earning assets | 0.3130% | 3,947 |
| Net interest margin | 3.0348% | 4,836 |
| Noninterest income to average assets | 0.7245% | 1,890 |
| Noninterest expense to average assets | 2.7661% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5293% | 4,618 |
| Return on assets (ROA) | 0.5340% | 4,628 |
| Pretax return on assets | 0.6428% | 4,709 |
| Return on Equity (ROE) | 4.1837% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.5444% | 3,599 |
| Net charge-offs to loans | 0.5694% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.0903% | 3,085 |
| Efficiency ratio | 81.2789% | 1,079 |
| Assets per employee ($millions) | 3.5111% | 4,708 |
| Cash dividends to net income (ytd only)* | 15.2815% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4891% | 288 |
| Loan loss allowance to noncurrent loans | 106.0580% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 1,295 |
| Noncurrent loans to loans | 2.3469% | 670 |
| Net loans and leases to total assets | 35.5609% | 5,394 |
| Net loans and leases to deposits | 41.1320% | 5,417 |
| Net loans and leases to core deposits | 47.7051% | 5,293 |
| Total domestic deposits to total assets | 86.4555% | 2,170 |
| Equity capital to assets | 13.2239% | 1,265 |
| Core capital (leverage) ratio | 12.7574% | 1,274 |
| Tier 1 risk-based capital ratio | 25.0869% | 743 |
| Total risk-based capital ratio | 26.3426% | 727 |
| Memoranda: | ||
| Average total assets | $139,690,670 | 3,671 |
| Average earning assets | $123,304,330 | 3,748 |
| Average equity | $17,831,000 | 3,422 |
| Average total loans | $50,579,000 | 4,513 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 5,062 |
| Cost of funding earning assets | 0.3227% | 3,822 |
| Net interest margin | 3.0047% | 4,885 |
| Noninterest income to average assets | 0.6125% | 2,360 |
| Noninterest expense to average assets | 2.8468% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3586% | 5,051 |
| Return on assets (ROA) | 0.3686% | 5,049 |
| Pretax return on assets | 0.4168% | 5,130 |
| Return on Equity (ROE) | 2.9391% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.9391% | 3,944 |
| Net charge-offs to loans | 0.1886% | 905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.9583% | 2,246 |
| Efficiency ratio | 87.5327% | 693 |
| Assets per employee ($millions) | 3.7323% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7168% | 248 |
| Loan loss allowance to noncurrent loans | 101.4881% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.3763% | 1,220 |
| Noncurrent loans to loans | 2.6769% | 567 |
| Net loans and leases to total assets | 34.4387% | 5,458 |
| Net loans and leases to deposits | 39.4796% | 5,487 |
| Net loans and leases to core deposits | 45.2489% | 5,381 |
| Total domestic deposits to total assets | 87.2315% | 2,097 |
| Equity capital to assets | 12.5358% | 1,504 |
| Core capital (leverage) ratio | 12.4811% | 1,348 |
| Tier 1 risk-based capital ratio | 23.9307% | 873 |
| Total risk-based capital ratio | 25.1871% | 855 |
| Memoranda: | ||
| Average total assets | $141,069,000 | 3,677 |
| Average earning assets | $123,940,000 | 3,772 |
| Average equity | $17,692,500 | 3,453 |
| Average total loans | $50,899,500 | 4,534 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5563% | 4,625 |
| Cost of funding earning assets | 0.3604% | 3,409 |
| Net interest margin | 3.1959% | 4,464 |
| Noninterest income to average assets | 0.6623% | 2,356 |
| Noninterest expense to average assets | 2.8072% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5392% | 4,484 |
| Return on assets (ROA) | 0.6010% | 4,309 |
| Pretax return on assets | 0.7499% | 4,343 |
| Return on Equity (ROE) | 4.8667% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.2249% | 2,898 |
| Net charge-offs to loans | -0.4681% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6694% | 1,341 |
| Assets per employee ($millions) | 3.5977% | 4,612 |
| Cash dividends to net income (ytd only)* | 13.1881% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6884% | 252 |
| Loan loss allowance to noncurrent loans | 83.1037% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6064% | 992 |
| Noncurrent loans to loans | 3.2350% | 388 |
| Net loans and leases to total assets | 35.7810% | 5,490 |
| Net loans and leases to deposits | 41.1062% | 5,515 |
| Net loans and leases to core deposits | 47.9792% | 5,368 |
| Total domestic deposits to total assets | 87.0453% | 2,121 |
| Equity capital to assets | 12.5478% | 1,491 |
| Core capital (leverage) ratio | 12.4561% | 1,352 |
| Tier 1 risk-based capital ratio | 25.6761% | 715 |
| Total risk-based capital ratio | 26.9348% | 701 |
| Memoranda: | ||
| Average total assets | $145,091,200 | 3,586 |
| Average earning assets | $127,915,600 | 3,688 |
| Average equity | $17,917,600 | 3,418 |
| Average total loans | $53,839,800 | 4,464 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 5,281 |
| Cost of funding earning assets | 0.3663% | 3,372 |
| Net interest margin | 2.8828% | 5,218 |
| Noninterest income to average assets | 0.6681% | 2,328 |
| Noninterest expense to average assets | 2.7598% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3996% | 5,018 |
| Return on assets (ROA) | 0.4894% | 4,826 |
| Pretax return on assets | 0.5569% | 4,981 |
| Return on Equity (ROE) | 3.9787% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.5563% | 3,764 |
| Net charge-offs to loans | 0.0172% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 71.3098% | 846 |
| Efficiency ratio | 85.8520% | 833 |
| Assets per employee ($millions) | 3.9726% | 4,014 |
| Cash dividends to net income (ytd only)* | 10.6148% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1245% | 577 |
| Loan loss allowance to noncurrent loans | 69.3301% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.5264% | 1,166 |
| Noncurrent loans to loans | 3.0643% | 479 |
| Net loans and leases to total assets | 36.3382% | 5,539 |
| Net loans and leases to deposits | 41.8857% | 5,582 |
| Net loans and leases to core deposits | 49.0306% | 5,419 |
| Total domestic deposits to total assets | 86.7557% | 2,003 |
| Equity capital to assets | 12.8437% | 1,573 |
| Core capital (leverage) ratio | 12.0344% | 1,655 |
| Tier 1 risk-based capital ratio | 22.2869% | 1,096 |
| Total risk-based capital ratio | 23.5387% | 1,082 |
| Memoranda: | ||
| Average total assets | $146,286,000 | 3,588 |
| Average earning assets | $129,223,500 | 3,682 |
| Average equity | $17,995,500 | 3,435 |
| Average total loans | $54,401,750 | 4,485 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2477% | 5,371 |
| Cost of funding earning assets | 0.3804% | 3,246 |
| Net interest margin | 2.8673% | 5,316 |
| Noninterest income to average assets | 0.6690% | 2,283 |
| Noninterest expense to average assets | 2.7304% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4130% | 4,995 |
| Return on assets (ROA) | 0.5483% | 4,595 |
| Pretax return on assets | 0.6175% | 4,843 |
| Return on Equity (ROE) | 4.5212% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.8833% | 3,433 |
| Net charge-offs to loans | 0.0620% | 2,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 20.1765% | 1,738 |
| Efficiency ratio | 85.4352% | 930 |
| Assets per employee ($millions) | 3.8501% | 4,166 |
| Cash dividends to net income (ytd only)* | 14.1089% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 641 |
| Loan loss allowance to noncurrent loans | 93.3222% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1852% | 1,759 |
| Noncurrent loans to loans | 2.2242% | 838 |
| Net loans and leases to total assets | 36.0507% | 5,605 |
| Net loans and leases to deposits | 41.4010% | 5,642 |
| Net loans and leases to core deposits | 48.2747% | 5,489 |
| Total domestic deposits to total assets | 87.0770% | 1,881 |
| Equity capital to assets | 12.5765% | 1,724 |
| Core capital (leverage) ratio | 11.6450% | 1,874 |
| Tier 1 risk-based capital ratio | 22.0437% | 1,131 |
| Total risk-based capital ratio | 23.2951% | 1,116 |
| Memoranda: | ||
| Average total assets | $147,377,330 | 3,597 |
| Average earning assets | $129,876,330 | 3,693 |
| Average equity | $17,871,330 | 3,458 |
| Average total loans | $54,837,000 | 4,508 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1886% | 5,497 |
| Cost of funding earning assets | 0.3963% | 3,116 |
| Net interest margin | 2.7924% | 5,473 |
| Noninterest income to average assets | 1.0736% | 941 |
| Noninterest expense to average assets | 2.7746% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6869% | 3,779 |
| Return on assets (ROA) | 0.6869% | 3,896 |
| Pretax return on assets | 0.7383% | 4,394 |
| Return on Equity (ROE) | 5.7704% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.7704% | 2,490 |
| Net charge-offs to loans | 0.0723% | 1,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 27.3000% | 1,250 |
| Efficiency ratio | 78.9838% | 1,750 |
| Assets per employee ($millions) | 3.6245% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 746 |
| Loan loss allowance to noncurrent loans | 99.2939% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 1,971 |
| Noncurrent loans to loans | 2.0696% | 1,023 |
| Net loans and leases to total assets | 36.0813% | 5,634 |
| Net loans and leases to deposits | 41.1855% | 5,676 |
| Net loans and leases to core deposits | 48.1951% | 5,508 |
| Total domestic deposits to total assets | 87.6068% | 1,861 |
| Equity capital to assets | 12.1031% | 1,954 |
| Core capital (leverage) ratio | 11.6076% | 1,901 |
| Tier 1 risk-based capital ratio | 21.5792% | 1,221 |
| Total risk-based capital ratio | 22.8312% | 1,200 |
| Memoranda: | ||
| Average total assets | $147,913,500 | 3,610 |
| Average earning assets | $129,209,000 | 3,729 |
| Average equity | $17,607,000 | 3,493 |
| Average total loans | $55,324,500 | 4,521 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 4,980 |
| Cost of funding earning assets | 0.4464% | 2,661 |
| Net interest margin | 3.0321% | 5,064 |
| Noninterest income to average assets | 0.5898% | 2,774 |
| Noninterest expense to average assets | 2.9881% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2829% | 5,405 |
| Return on assets (ROA) | 0.2829% | 5,485 |
| Pretax return on assets | 0.2321% | 5,643 |
| Return on Equity (ROE) | 1.8548% | 5,606 |
| Retained earnings to average equity (ytd only) | -25.5481% | 6,129 |
| Net charge-offs to loans | 0.0484% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.5185% | 2,458 |
| Efficiency ratio | 92.7932% | 538 |
| Assets per employee ($millions) | 3.7749% | 4,336 |
| Cash dividends to net income (ytd only)* | 1,477.4272% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 763 |
| Loan loss allowance to noncurrent loans | 89.7233% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2152% | 1,782 |
| Noncurrent loans to loans | 2.2628% | 862 |
| Net loans and leases to total assets | 37.2026% | 5,659 |
| Net loans and leases to deposits | 42.2895% | 5,703 |
| Net loans and leases to core deposits | 48.9376% | 5,535 |
| Total domestic deposits to total assets | 87.9711% | 1,646 |
| Equity capital to assets | 11.7021% | 2,192 |
| Core capital (leverage) ratio | 11.2493% | 2,158 |
| Tier 1 risk-based capital ratio | 21.1610% | 1,267 |
| Total risk-based capital ratio | 22.4123% | 1,248 |
| Memoranda: | ||
| Average total assets | $145,642,200 | 3,636 |
| Average earning assets | $126,348,000 | 3,768 |
| Average equity | $22,213,000 | 2,951 |
| Average total loans | $55,776,600 | 4,510 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 5,019 |
| Cost of funding earning assets | 0.4518% | 2,665 |
| Net interest margin | 3.0318% | 5,123 |
| Noninterest income to average assets | 0.5875% | 2,811 |
| Noninterest expense to average assets | 2.9283% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3250% | 5,384 |
| Return on assets (ROA) | 0.3250% | 5,465 |
| Pretax return on assets | 0.2836% | 5,668 |
| Return on Equity (ROE) | 2.0120% | 5,663 |
| Retained earnings to average equity (ytd only) | 1.5573% | 5,086 |
| Net charge-offs to loans | 0.0454% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.2649% | 2,128 |
| Efficiency ratio | 91.1689% | 617 |
| Assets per employee ($millions) | 3.6964% | 4,456 |
| Cash dividends to net income (ytd only)* | 22.5979% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0955% | 781 |
| Loan loss allowance to noncurrent loans | 67.3145% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.5334% | 1,456 |
| Noncurrent loans to loans | 3.1130% | 550 |
| Net loans and leases to total assets | 35.2369% | 5,805 |
| Net loans and leases to deposits | 41.9680% | 5,805 |
| Net loans and leases to core deposits | 47.8822% | 5,660 |
| Total domestic deposits to total assets | 83.9615% | 3,449 |
| Equity capital to assets | 15.6096% | 629 |
| Core capital (leverage) ratio | 16.6168% | 414 |
| Tier 1 risk-based capital ratio | 28.9817% | 569 |
| Total risk-based capital ratio | 30.2337% | 560 |
| Memoranda: | ||
| Average total assets | $145,247,500 | 3,675 |
| Average earning assets | $125,731,000 | 3,815 |
| Average equity | $23,459,250 | 2,864 |
| Average total loans | $55,744,500 | 4,548 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 4,875 |
| Cost of funding earning assets | 0.4657% | 2,553 |
| Net interest margin | 3.0784% | 5,023 |
| Noninterest income to average assets | 0.5798% | 2,857 |
| Noninterest expense to average assets | 2.9327% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3633% | 5,253 |
| Return on assets (ROA) | 0.3633% | 5,363 |
| Pretax return on assets | 0.3255% | 5,616 |
| Return on Equity (ROE) | 2.2229% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.5389% | 4,928 |
| Net charge-offs to loans | 0.2066% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.0172% | 3,100 |
| Efficiency ratio | 90.0086% | 750 |
| Assets per employee ($millions) | 3.4412% | 4,913 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 1,012 |
| Loan loss allowance to noncurrent loans | 69.2163% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.5519% | 1,571 |
| Noncurrent loans to loans | 2.8669% | 711 |
| Net loans and leases to total assets | 37.7294% | 5,748 |
| Net loans and leases to deposits | 45.1617% | 5,716 |
| Net loans and leases to core deposits | 51.8370% | 5,544 |
| Total domestic deposits to total assets | 83.5427% | 3,745 |
| Equity capital to assets | 16.1079% | 517 |
| Core capital (leverage) ratio | 15.5251% | 540 |
| Tier 1 risk-based capital ratio | 27.8556% | 651 |
| Total risk-based capital ratio | 29.1058% | 644 |
| Memoranda: | ||
| Average total assets | $143,145,330 | 3,729 |
| Average earning assets | $124,546,000 | 3,870 |
| Average equity | $23,393,330 | 2,878 |
| Average total loans | $56,144,000 | 4,579 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 4,683 |
| Cost of funding earning assets | 0.4788% | 2,461 |
| Net interest margin | 3.1238% | 4,870 |
| Noninterest income to average assets | 0.5616% | 2,881 |
| Noninterest expense to average assets | 2.8389% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4633% | 4,820 |
| Return on assets (ROA) | 0.4633% | 4,938 |
| Pretax return on assets | 0.4521% | 5,312 |
| Return on Equity (ROE) | 2.8146% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.8146% | 4,275 |
| Net charge-offs to loans | 0.1348% | 1,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.4737% | 2,087 |
| Efficiency ratio | 86.2628% | 1,160 |
| Assets per employee ($millions) | 3.4544% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0466% | 996 |
| Loan loss allowance to noncurrent loans | 73.8849% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 1,723 |
| Noncurrent loans to loans | 2.7700% | 835 |
| Net loans and leases to total assets | 37.7052% | 5,734 |
| Net loans and leases to deposits | 45.1887% | 5,696 |
| Net loans and leases to core deposits | 51.8349% | 5,501 |
| Total domestic deposits to total assets | 83.4395% | 4,032 |
| Equity capital to assets | 16.2965% | 509 |
| Core capital (leverage) ratio | 16.0238% | 460 |
| Tier 1 risk-based capital ratio | 29.6246% | 557 |
| Total risk-based capital ratio | 30.8767% | 549 |
| Memoranda: | ||
| Average total assets | $142,452,000 | 3,767 |
| Average earning assets | $124,465,500 | 3,901 |
| Average equity | $23,449,500 | 2,889 |
| Average total loans | $56,398,500 | 4,596 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 4,887 |
| Cost of funding earning assets | 0.4859% | 2,821 |
| Net interest margin | 3.1812% | 4,980 |
| Noninterest income to average assets | 0.6470% | 2,568 |
| Noninterest expense to average assets | 2.9483% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5235% | 4,712 |
| Return on assets (ROA) | 0.5235% | 4,801 |
| Pretax return on assets | 0.5047% | 5,242 |
| Return on Equity (ROE) | 3.2855% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.5846% | 4,402 |
| Net charge-offs to loans | 0.0708% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 18.0750% | 1,867 |
| Efficiency ratio | 85.3851% | 1,243 |
| Assets per employee ($millions) | 3.2516% | 5,346 |
| Cash dividends to net income (ytd only)* | 21.3333% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0404% | 1,040 |
| Loan loss allowance to noncurrent loans | 64.5197% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7516% | 1,510 |
| Noncurrent loans to loans | 3.1625% | 697 |
| Net loans and leases to total assets | 39.8997% | 5,752 |
| Net loans and leases to deposits | 48.0446% | 5,684 |
| Net loans and leases to core deposits | 55.4703% | 5,413 |
| Total domestic deposits to total assets | 83.0472% | 4,059 |
| Equity capital to assets | 16.6323% | 464 |
| Core capital (leverage) ratio | 15.9079% | 477 |
| Tier 1 risk-based capital ratio | 30.3492% | 495 |
| Total risk-based capital ratio | 31.6034% | 491 |
| Memoranda: | ||
| Average total assets | $143,267,000 | 3,737 |
| Average earning assets | $126,367,600 | 3,837 |
| Average equity | $22,827,400 | 2,864 |
| Average total loans | $56,472,000 | 4,601 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 4,940 |
| Cost of funding earning assets | 0.4852% | 2,906 |
| Net interest margin | 3.1851% | 5,011 |
| Noninterest income to average assets | 0.6596% | 2,524 |
| Noninterest expense to average assets | 2.9112% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5643% | 4,616 |
| Return on assets (ROA) | 0.5643% | 4,686 |
| Pretax return on assets | 0.5541% | 5,170 |
| Return on Equity (ROE) | 3.5796% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.1102% | 4,409 |
| Net charge-offs to loans | 0.1207% | 2,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.7449% | 2,381 |
| Efficiency ratio | 84.0096% | 1,387 |
| Assets per employee ($millions) | 3.2955% | 5,246 |
| Cash dividends to net income (ytd only)* | 13.1143% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 1,250 |
| Loan loss allowance to noncurrent loans | 68.9222% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6894% | 1,791 |
| Noncurrent loans to loans | 2.9091% | 930 |
| Net loans and leases to total assets | 39.6985% | 5,833 |
| Net loans and leases to deposits | 47.8176% | 5,775 |
| Net loans and leases to core deposits | 55.0908% | 5,498 |
| Total domestic deposits to total assets | 83.0207% | 4,143 |
| Equity capital to assets | 16.2778% | 525 |
| Core capital (leverage) ratio | 15.8204% | 505 |
| Tier 1 risk-based capital ratio | 30.1081% | 517 |
| Total risk-based capital ratio | 31.3612% | 512 |
| Memoranda: | ||
| Average total assets | $144,129,250 | 3,758 |
| Average earning assets | $126,963,500 | 3,853 |
| Average equity | $22,720,500 | 2,879 |
| Average total loans | $56,352,750 | 4,648 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 4,951 |
| Cost of funding earning assets | 0.4797% | 3,025 |
| Net interest margin | 3.1895% | 4,980 |
| Noninterest income to average assets | 0.6651% | 2,462 |
| Noninterest expense to average assets | 2.8978% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5920% | 4,392 |
| Return on assets (ROA) | 0.5920% | 4,488 |
| Pretax return on assets | 0.5837% | 5,006 |
| Return on Equity (ROE) | 3.7956% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.0878% | 4,240 |
| Net charge-offs to loans | 0.0607% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.8824% | 1,411 |
| Efficiency ratio | 83.2342% | 1,599 |
| Assets per employee ($millions) | 3.3090% | 5,236 |
| Cash dividends to net income (ytd only)* | 18.6480% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0862% | 1,206 |
| Loan loss allowance to noncurrent loans | 77.0982% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.5398% | 2,115 |
| Noncurrent loans to loans | 2.7058% | 1,125 |
| Net loans and leases to total assets | 39.0881% | 5,889 |
| Net loans and leases to deposits | 46.8445% | 5,833 |
| Net loans and leases to core deposits | 54.3660% | 5,527 |
| Total domestic deposits to total assets | 83.4421% | 4,134 |
| Equity capital to assets | 16.2036% | 518 |
| Core capital (leverage) ratio | 15.2895% | 559 |
| Tier 1 risk-based capital ratio | 29.9501% | 525 |
| Total risk-based capital ratio | 31.2040% | 517 |
| Memoranda: | ||
| Average total assets | $144,936,330 | 3,761 |
| Average earning assets | $127,983,330 | 3,853 |
| Average equity | $22,605,000 | 2,890 |
| Average total loans | $56,001,330 | 4,694 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 5,016 |
| Cost of funding earning assets | 0.4718% | 3,214 |
| Net interest margin | 3.1755% | 5,002 |
| Noninterest income to average assets | 0.6318% | 2,557 |
| Noninterest expense to average assets | 2.8907% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5688% | 4,358 |
| Return on assets (ROA) | 0.5688% | 4,434 |
| Pretax return on assets | 0.5388% | 5,051 |
| Return on Equity (ROE) | 3.7177% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.7177% | 3,902 |
| Net charge-offs to loans | 0.1799% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.8800% | 2,075 |
| Efficiency ratio | 84.2903% | 1,637 |
| Assets per employee ($millions) | 3.4091% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,263 |
| Loan loss allowance to noncurrent loans | 82.3077% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 2,526 |
| Noncurrent loans to loans | 2.5934% | 1,327 |
| Net loans and leases to total assets | 36.8129% | 6,027 |
| Net loans and leases to deposits | 43.6821% | 5,992 |
| Net loans and leases to core deposits | 50.2753% | 5,742 |
| Total domestic deposits to total assets | 84.2745% | 4,174 |
| Equity capital to assets | 15.4390% | 607 |
| Core capital (leverage) ratio | 15.1092% | 586 |
| Tier 1 risk-based capital ratio | 29.3860% | 554 |
| Total risk-based capital ratio | 30.6401% | 547 |
| Memoranda: | ||
| Average total assets | $146,260,000 | 3,765 |
| Average earning assets | $128,862,500 | 3,865 |
| Average equity | $22,379,500 | 2,904 |
| Average total loans | $55,600,500 | 4,740 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 4,561 |
| Cost of funding earning assets | 0.5197% | 3,401 |
| Net interest margin | 3.3531% | 4,471 |
| Noninterest income to average assets | 0.6285% | 2,928 |
| Noninterest expense to average assets | 2.9700% | 3,132 |
| Loan and lease loss provision to assets | 0.0102% | 4,920 |
| Net operating income to assets | 0.6115% | 4,209 |
| Return on assets (ROA) | 0.6115% | 4,329 |
| Pretax return on assets | 0.5808% | 4,933 |
| Return on Equity (ROE) | 3.9734% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.7295% | 3,565 |
| Net charge-offs to loans | -0.0712% | 6,410 |
| Credit loss provision to net charge-offs | -39.4737% | 5,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4036% | 1,700 |
| Assets per employee ($millions) | 3.3166% | 5,250 |
| Cash dividends to net income (ytd only)* | 6.1384% | 4,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,259 |
| Loan loss allowance to noncurrent loans | 65.4684% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 2,183 |
| Noncurrent loans to loans | 3.2751% | 1,012 |
| Net loans and leases to total assets | 37.5920% | 6,121 |
| Net loans and leases to deposits | 44.4882% | 6,098 |
| Net loans and leases to core deposits | 51.2194% | 5,860 |
| Total domestic deposits to total assets | 84.4987% | 3,963 |
| Equity capital to assets | 15.1627% | 647 |
| Core capital (leverage) ratio | 15.0956% | 593 |
| Tier 1 risk-based capital ratio | 28.5480% | 579 |
| Total risk-based capital ratio | 29.8013% | 568 |
| Memoranda: | ||
| Average total assets | $146,529,600 | 3,760 |
| Average earning assets | $128,149,400 | 3,886 |
| Average equity | $22,550,000 | 2,869 |
| Average total loans | $53,347,000 | 4,835 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 4,375 |
| Cost of funding earning assets | 0.5289% | 3,476 |
| Net interest margin | 3.4043% | 4,269 |
| Noninterest income to average assets | 0.6090% | 3,089 |
| Noninterest expense to average assets | 2.9569% | 3,124 |
| Loan and lease loss provision to assets | 0.0136% | 4,730 |
| Net operating income to assets | 0.6399% | 4,178 |
| Return on assets (ROA) | 0.6399% | 4,290 |
| Pretax return on assets | 0.6108% | 4,978 |
| Return on Equity (ROE) | 4.1431% | 5,155 |
| Retained earnings to average equity (ytd only) | 4.1431% | 3,736 |
| Net charge-offs to loans | -0.0228% | 6,085 |
| Credit loss provision to net charge-offs | -166.6667% | 5,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5635% | 1,749 |
| Assets per employee ($millions) | 3.2600% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2613% | 1,233 |
| Loan loss allowance to noncurrent loans | 56.9971% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.8733% | 2,171 |
| Noncurrent loans to loans | 3.9675% | 884 |
| Net loans and leases to total assets | 35.3453% | 6,308 |
| Net loans and leases to deposits | 42.0917% | 6,298 |
| Net loans and leases to core deposits | 48.3751% | 6,104 |
| Total domestic deposits to total assets | 83.9723% | 4,197 |
| Equity capital to assets | 15.5557% | 622 |
| Core capital (leverage) ratio | 15.0255% | 640 |
| Tier 1 risk-based capital ratio | 30.1472% | 508 |
| Total risk-based capital ratio | 31.4015% | 506 |
| Memoranda: | ||
| Average total assets | $146,679,500 | 3,802 |
| Average earning assets | $128,071,500 | 3,917 |
| Average equity | $22,655,750 | 2,887 |
| Average total loans | $52,668,750 | 4,898 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 4,182 |
| Cost of funding earning assets | 0.5332% | 3,574 |
| Net interest margin | 3.4478% | 4,013 |
| Noninterest income to average assets | 0.5184% | 3,713 |
| Noninterest expense to average assets | 2.9142% | 3,284 |
| Loan and lease loss provision to assets | 0.0203% | 4,492 |
| Net operating income to assets | 0.6267% | 4,173 |
| Return on assets (ROA) | 0.6267% | 4,328 |
| Pretax return on assets | 0.5861% | 5,070 |
| Return on Equity (ROE) | 4.0668% | 5,192 |
| Retained earnings to average equity (ytd only) | 4.0668% | 3,706 |
| Net charge-offs to loans | -0.0264% | 6,060 |
| Credit loss provision to net charge-offs | -214.2857% | 5,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7759% | 1,791 |
| Assets per employee ($millions) | 3.2709% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,423 |
| Loan loss allowance to noncurrent loans | 57.6280% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.9310% | 2,248 |
| Noncurrent loans to loans | 3.8147% | 1,063 |
| Net loans and leases to total assets | 36.1991% | 6,288 |
| Net loans and leases to deposits | 42.9762% | 6,284 |
| Net loans and leases to core deposits | 49.2210% | 6,065 |
| Total domestic deposits to total assets | 84.2306% | 4,225 |
| Equity capital to assets | 15.4414% | 628 |
| Core capital (leverage) ratio | 14.5479% | 687 |
| Tier 1 risk-based capital ratio | 29.2960% | 558 |
| Total risk-based capital ratio | 30.5503% | 550 |
| Memoranda: | ||
| Average total assets | $147,759,670 | 3,812 |
| Average earning assets | $128,660,000 | 3,931 |
| Average equity | $22,770,000 | 2,890 |
| Average total loans | $52,934,330 | 4,917 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 4,479 |
| Cost of funding earning assets | 0.5393% | 3,679 |
| Net interest margin | 3.3593% | 4,276 |
| Noninterest income to average assets | 0.4730% | 3,972 |
| Noninterest expense to average assets | 2.8728% | 3,450 |
| Loan and lease loss provision to assets | 0.0401% | 3,927 |
| Net operating income to assets | 0.5532% | 4,439 |
| Return on assets (ROA) | 0.5532% | 4,593 |
| Pretax return on assets | 0.4730% | 5,352 |
| Return on Equity (ROE) | 3.5932% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.5932% | 4,087 |
| Net charge-offs to loans | -0.2653% | 6,746 |
| Credit loss provision to net charge-offs | -42.8571% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8461% | 1,658 |
| Assets per employee ($millions) | 3.4140% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2725% | 1,453 |
| Loan loss allowance to noncurrent loans | 50.5694% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.0723% | 2,265 |
| Noncurrent loans to loans | 4.4938% | 924 |
| Net loans and leases to total assets | 34.3252% | 6,401 |
| Net loans and leases to deposits | 40.6785% | 6,389 |
| Net loans and leases to core deposits | 46.5235% | 6,184 |
| Total domestic deposits to total assets | 84.3818% | 4,321 |
| Equity capital to assets | 15.3632% | 667 |
| Core capital (leverage) ratio | 14.2098% | 742 |
| Tier 1 risk-based capital ratio | 28.3220% | 623 |
| Total risk-based capital ratio | 29.5758% | 614 |
| Memoranda: | ||
| Average total assets | $149,680,500 | 3,816 |
| Average earning assets | $129,787,500 | 3,945 |
| Average equity | $23,043,500 | 2,913 |
| Average total loans | $52,767,500 | 4,955 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 5,192 |
| Cost of funding earning assets | 0.6719% | 3,720 |
| Net interest margin | 3.3672% | 5,009 |
| Noninterest income to average assets | 0.5430% | 3,628 |
| Noninterest expense to average assets | 3.0273% | 3,174 |
| Loan and lease loss provision to assets | 0.0796% | 4,713 |
| Net operating income to assets | 0.5317% | 4,557 |
| Return on assets (ROA) | 0.5337% | 4,814 |
| Pretax return on assets | 0.4250% | 5,507 |
| Return on Equity (ROE) | 3.5310% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.6537% | 4,365 |
| Net charge-offs to loans | 0.3514% | 2,878 |
| Credit loss provision to net charge-offs | 59.7015% | 4,456 |
| Earnings coverage of net charge-offs (x) | 3.7711% | 3,613 |
| Efficiency ratio | 85.7626% | 1,453 |
| Assets per employee ($millions) | 3.3897% | 5,233 |
| Cash dividends to net income (ytd only)* | 24.8447% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 1,588 |
| Loan loss allowance to noncurrent loans | 43.9556% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 2,033 |
| Noncurrent loans to loans | 4.9532% | 814 |
| Net loans and leases to total assets | 34.6140% | 6,510 |
| Net loans and leases to deposits | 41.1007% | 6,495 |
| Net loans and leases to core deposits | 47.1827% | 6,317 |
| Total domestic deposits to total assets | 84.2174% | 4,217 |
| Equity capital to assets | 15.4273% | 649 |
| Core capital (leverage) ratio | 13.9908% | 807 |
| Tier 1 risk-based capital ratio | 29.0274% | 558 |
| Total risk-based capital ratio | 30.2810% | 546 |
| Memoranda: | ||
| Average total assets | $150,826,600 | 3,761 |
| Average earning assets | $133,790,800 | 3,828 |
| Average equity | $22,798,200 | 2,873 |
| Average total loans | $57,199,000 | 4,827 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 5,334 |
| Cost of funding earning assets | 0.6997% | 3,772 |
| Net interest margin | 3.3593% | 5,185 |
| Noninterest income to average assets | 0.5845% | 3,385 |
| Noninterest expense to average assets | 3.0343% | 3,115 |
| Loan and lease loss provision to assets | 0.0793% | 4,643 |
| Net operating income to assets | 0.5474% | 4,631 |
| Return on assets (ROA) | 0.5474% | 4,893 |
| Pretax return on assets | 0.4716% | 5,538 |
| Return on Equity (ROE) | 3.6402% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.6402% | 4,323 |
| Net charge-offs to loans | 0.4962% | 2,127 |
| Credit loss provision to net charge-offs | 41.4747% | 4,585 |
| Earnings coverage of net charge-offs (x) | 2.8801% | 3,888 |
| Efficiency ratio | 84.6324% | 1,517 |
| Assets per employee ($millions) | 3.4417% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 2,205 |
| Loan loss allowance to noncurrent loans | 26.8239% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 2.8402% | 1,851 |
| Noncurrent loans to loans | 7.3981% | 468 |
| Net loans and leases to total assets | 35.9752% | 6,549 |
| Net loans and leases to deposits | 42.8881% | 6,557 |
| Net loans and leases to core deposits | 49.2154% | 6,328 |
| Total domestic deposits to total assets | 83.8815% | 4,280 |
| Equity capital to assets | 15.3538% | 737 |
| Core capital (leverage) ratio | 13.8699% | 874 |
| Tier 1 risk-based capital ratio | 28.7487% | 605 |
| Total risk-based capital ratio | 30.0015% | 594 |
| Memoranda: | ||
| Average total assets | $151,247,000 | 3,796 |
| Average earning assets | $135,102,250 | 3,850 |
| Average equity | $22,745,500 | 2,905 |
| Average total loans | $58,305,250 | 4,828 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 5,222 |
| Cost of funding earning assets | 0.7202% | 3,848 |
| Net interest margin | 3.4050% | 5,061 |
| Noninterest income to average assets | 0.6046% | 3,228 |
| Noninterest expense to average assets | 2.9884% | 3,299 |
| Loan and lease loss provision to assets | 0.0794% | 4,614 |
| Net operating income to assets | 0.6390% | 4,173 |
| Return on assets (ROA) | 0.6390% | 4,422 |
| Pretax return on assets | 0.5953% | 5,153 |
| Return on Equity (ROE) | 4.2787% | 5,139 |
| Retained earnings to average equity (ytd only) | 4.2787% | 3,760 |
| Net charge-offs to loans | 0.6114% | 1,792 |
| Credit loss provision to net charge-offs | 33.1492% | 4,390 |
| Earnings coverage of net charge-offs (x) | 2.8177% | 3,618 |
| Efficiency ratio | 81.5818% | 1,949 |
| Assets per employee ($millions) | 3.5050% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,595 |
| Loan loss allowance to noncurrent loans | 21.4548% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 3.5531% | 1,496 |
| Noncurrent loans to loans | 8.7975% | 359 |
| Net loans and leases to total assets | 38.2489% | 6,462 |
| Net loans and leases to deposits | 45.4066% | 6,483 |
| Net loans and leases to core deposits | 52.2165% | 6,221 |
| Total domestic deposits to total assets | 84.2363% | 4,218 |
| Equity capital to assets | 15.2124% | 733 |
| Core capital (leverage) ratio | 13.7413% | 887 |
| Tier 1 risk-based capital ratio | 27.6613% | 676 |
| Total risk-based capital ratio | 28.9144% | 660 |
| Memoranda: | ||
| Average total assets | $151,184,330 | 3,818 |
| Average earning assets | $135,801,000 | 3,851 |
| Average equity | $22,577,000 | 2,907 |
| Average total loans | $59,213,000 | 4,817 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 5,328 |
| Cost of funding earning assets | 0.7267% | 4,056 |
| Net interest margin | 3.4118% | 5,074 |
| Noninterest income to average assets | 0.7106% | 2,611 |
| Noninterest expense to average assets | 2.8873% | 3,675 |
| Loan and lease loss provision to assets | 0.0792% | 4,407 |
| Net operating income to assets | 0.7978% | 3,385 |
| Return on assets (ROA) | 0.7978% | 3,626 |
| Pretax return on assets | 0.8321% | 4,291 |
| Return on Equity (ROE) | 5.3924% | 4,596 |
| Retained earnings to average equity (ytd only) | 5.3924% | 3,318 |
| Net charge-offs to loans | 0.0336% | 4,218 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 485 |
| Efficiency ratio | 76.0083% | 2,788 |
| Assets per employee ($millions) | 3.4824% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1220% | 2,049 |
| Loan loss allowance to noncurrent loans | 22.5882% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 3.7761% | 1,482 |
| Noncurrent loans to loans | 9.3943% | 340 |
| Net loans and leases to total assets | 37.7788% | 6,506 |
| Net loans and leases to deposits | 44.5312% | 6,526 |
| Net loans and leases to core deposits | 50.8218% | 6,287 |
| Total domestic deposits to total assets | 84.8368% | 4,109 |
| Equity capital to assets | 14.7292% | 795 |
| Core capital (leverage) ratio | 13.6755% | 884 |
| Tier 1 risk-based capital ratio | 27.1123% | 719 |
| Total risk-based capital ratio | 28.3668% | 701 |
| Memoranda: | ||
| Average total assets | $151,420,000 | 3,845 |
| Average earning assets | $137,053,500 | 3,866 |
| Average equity | $22,402,000 | 2,930 |
| Average total loans | $59,442,000 | 4,840 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 4,692 |
| Cost of funding earning assets | 0.9016% | 4,106 |
| Net interest margin | 3.6946% | 4,322 |
| Noninterest income to average assets | 0.5808% | 3,293 |
| Noninterest expense to average assets | 3.1943% | 2,888 |
| Loan and lease loss provision to assets | 0.0799% | 5,616 |
| Net operating income to assets | 0.6401% | 3,784 |
| Return on assets (ROA) | 0.6507% | 3,931 |
| Pretax return on assets | 0.6034% | 4,684 |
| Return on Equity (ROE) | 4.5805% | 4,583 |
| Retained earnings to average equity (ytd only) | 2.2598% | 4,600 |
| Net charge-offs to loans | -0.1075% | 7,146 |
| Credit loss provision to net charge-offs | -184.6154% | 6,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6042% | 1,936 |
| Assets per employee ($millions) | 3.4003% | 5,246 |
| Cash dividends to net income (ytd only)* | 50.6653% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 2,107 |
| Loan loss allowance to noncurrent loans | 22.7947% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 3.7603% | 1,547 |
| Noncurrent loans to loans | 9.0322% | 390 |
| Net loans and leases to total assets | 39.1086% | 6,592 |
| Net loans and leases to deposits | 46.2147% | 6,617 |
| Net loans and leases to core deposits | 53.0721% | 6,363 |
| Total domestic deposits to total assets | 84.6238% | 4,034 |
| Equity capital to assets | 14.8616% | 812 |
| Core capital (leverage) ratio | 13.5449% | 949 |
| Tier 1 risk-based capital ratio | 27.5147% | 661 |
| Total risk-based capital ratio | 28.7691% | 650 |
| Memoranda: | ||
| Average total assets | $150,141,800 | 3,796 |
| Average earning assets | $133,547,400 | 3,859 |
| Average equity | $21,329,600 | 2,974 |
| Average total loans | $60,485,800 | 4,847 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 4,597 |
| Cost of funding earning assets | 0.9303% | 4,195 |
| Net interest margin | 3.7383% | 4,169 |
| Noninterest income to average assets | 0.5811% | 3,294 |
| Noninterest expense to average assets | 3.2864% | 2,540 |
| Loan and lease loss provision to assets | 0.0799% | 5,443 |
| Net operating income to assets | 0.6069% | 4,055 |
| Return on assets (ROA) | 0.6140% | 4,209 |
| Pretax return on assets | 0.5270% | 5,055 |
| Return on Equity (ROE) | 4.3720% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.0028% | 5,135 |
| Net charge-offs to loans | -0.2351% | 7,279 |
| Credit loss provision to net charge-offs | -84.1121% | 6,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5662% | 1,677 |
| Assets per employee ($millions) | 3.1949% | 5,697 |
| Cash dividends to net income (ytd only)* | 54.1912% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0703% | 2,145 |
| Loan loss allowance to noncurrent loans | 21.7627% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 3.9824% | 1,534 |
| Noncurrent loans to loans | 9.5129% | 387 |
| Net loans and leases to total assets | 39.1247% | 6,704 |
| Net loans and leases to deposits | 46.2220% | 6,732 |
| Net loans and leases to core deposits | 53.3243% | 6,494 |
| Total domestic deposits to total assets | 84.6451% | 3,944 |
| Equity capital to assets | 14.6563% | 946 |
| Core capital (leverage) ratio | 13.3210% | 1,101 |
| Tier 1 risk-based capital ratio | 26.0979% | 825 |
| Total risk-based capital ratio | 27.3525% | 802 |
| Memoranda: | ||
| Average total assets | $150,273,750 | 3,819 |
| Average earning assets | $132,854,750 | 3,897 |
| Average equity | $21,103,250 | 2,994 |
| Average total loans | $60,671,750 | 4,879 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 4,662 |
| Cost of funding earning assets | 0.9468% | 4,343 |
| Net interest margin | 3.7226% | 4,163 |
| Noninterest income to average assets | 0.6147% | 3,041 |
| Noninterest expense to average assets | 3.2759% | 2,648 |
| Loan and lease loss provision to assets | 0.0798% | 5,310 |
| Net operating income to assets | 0.6214% | 3,953 |
| Return on assets (ROA) | 0.6320% | 4,027 |
| Pretax return on assets | 0.5602% | 4,879 |
| Return on Equity (ROE) | 4.5669% | 4,662 |
| Retained earnings to average equity (ytd only) | 0.9615% | 5,481 |
| Net charge-offs to loans | -0.4368% | 7,387 |
| Credit loss provision to net charge-offs | -45.1128% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8842% | 1,828 |
| Assets per employee ($millions) | 3.2049% | 5,631 |
| Cash dividends to net income (ytd only)* | 78.9474% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0268% | 2,295 |
| Loan loss allowance to noncurrent loans | 25.1882% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 3.5438% | 1,850 |
| Noncurrent loans to loans | 8.0467% | 563 |
| Net loans and leases to total assets | 39.7287% | 6,766 |
| Net loans and leases to deposits | 46.5002% | 6,805 |
| Net loans and leases to core deposits | 53.5206% | 6,591 |
| Total domestic deposits to total assets | 85.4377% | 3,653 |
| Equity capital to assets | 14.1208% | 1,058 |
| Core capital (leverage) ratio | 13.1309% | 1,102 |
| Tier 1 risk-based capital ratio | 25.4257% | 859 |
| Total risk-based capital ratio | 26.6790% | 842 |
| Memoranda: | ||
| Average total assets | $150,311,330 | 3,842 |
| Average earning assets | $132,862,670 | 3,926 |
| Average equity | $20,801,670 | 3,025 |
| Average total loans | $60,898,330 | 4,916 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 4,537 |
| Cost of funding earning assets | 0.9614% | 4,488 |
| Net interest margin | 3.7358% | 3,916 |
| Noninterest income to average assets | 0.6340% | 2,936 |
| Noninterest expense to average assets | 3.3166% | 2,509 |
| Loan and lease loss provision to assets | 0.0799% | 5,008 |
| Net operating income to assets | 0.5887% | 4,091 |
| Return on assets (ROA) | 0.5887% | 4,160 |
| Pretax return on assets | 0.4982% | 5,035 |
| Return on Equity (ROE) | 4.2980% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.2980% | 3,593 |
| Net charge-offs to loans | 0.0329% | 4,638 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 645 |
| Efficiency ratio | 85.1573% | 1,820 |
| Assets per employee ($millions) | 3.2385% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 3,186 |
| Loan loss allowance to noncurrent loans | 21.0257% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 3.6213% | 1,877 |
| Noncurrent loans to loans | 8.3098% | 578 |
| Net loans and leases to total assets | 39.5313% | 6,806 |
| Net loans and leases to deposits | 45.9300% | 6,855 |
| Net loans and leases to core deposits | 52.8507% | 6,632 |
| Total domestic deposits to total assets | 86.0687% | 3,486 |
| Equity capital to assets | 13.6271% | 1,136 |
| Core capital (leverage) ratio | 13.4879% | 968 |
| Tier 1 risk-based capital ratio | 25.2077% | 857 |
| Total risk-based capital ratio | 26.4590% | 837 |
| Memoranda: | ||
| Average total assets | $150,152,500 | 3,873 |
| Average earning assets | $131,056,000 | 4,002 |
| Average equity | $20,567,500 | 3,045 |
| Average total loans | $60,807,000 | 4,970 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 4,310 |
| Cost of funding earning assets | 1.1615% | 4,783 |
| Net interest margin | 3.8904% | 3,538 |
| Noninterest income to average assets | 0.5840% | 3,567 |
| Noninterest expense to average assets | 3.3718% | 2,522 |
| Loan and lease loss provision to assets | 0.0811% | 6,340 |
| Net operating income to assets | 0.5732% | 3,786 |
| Return on assets (ROA) | 0.5840% | 3,904 |
| Pretax return on assets | 0.5428% | 4,494 |
| Return on Equity (ROE) | 4.1380% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.3420% | 4,238 |
| Net charge-offs to loans | -0.0345% | 7,413 |
| Credit loss provision to net charge-offs | -571.4286% | 7,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6141% | 1,846 |
| Assets per employee ($millions) | 3.2194% | 5,625 |
| Cash dividends to net income (ytd only)* | 43.4028% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 3,097 |
| Loan loss allowance to noncurrent loans | 23.0379% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 3.2371% | 2,183 |
| Noncurrent loans to loans | 7.5133% | 723 |
| Net loans and leases to total assets | 40.0610% | 6,958 |
| Net loans and leases to deposits | 46.6643% | 7,016 |
| Net loans and leases to core deposits | 53.9699% | 6,815 |
| Total domestic deposits to total assets | 85.8495% | 3,433 |
| Equity capital to assets | 13.7703% | 1,107 |
| Core capital (leverage) ratio | 13.3294% | 1,019 |
| Tier 1 risk-based capital ratio | 25.5106% | 800 |
| Total risk-based capital ratio | 26.7616% | 774 |
| Memoranda: | ||
| Average total assets | $147,933,200 | 3,912 |
| Average earning assets | $129,319,200 | 4,033 |
| Average equity | $20,879,800 | 3,025 |
| Average total loans | $60,824,000 | 5,039 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 4,370 |
| Cost of funding earning assets | 1.1930% | 4,897 |
| Net interest margin | 3.8970% | 3,541 |
| Noninterest income to average assets | 0.5887% | 3,512 |
| Noninterest expense to average assets | 3.3131% | 2,532 |
| Loan and lease loss provision to assets | 0.0811% | 6,235 |
| Net operating income to assets | 0.6689% | 3,550 |
| Return on assets (ROA) | 0.6834% | 3,651 |
| Pretax return on assets | 0.6221% | 4,523 |
| Return on Equity (ROE) | 4.8122% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.7012% | 3,855 |
| Net charge-offs to loans | 0.4660% | 3,422 |
| Credit loss provision to net charge-offs | 42.2535% | 5,988 |
| Earnings coverage of net charge-offs (x) | 3.5869% | 3,384 |
| Efficiency ratio | 82.7889% | 1,972 |
| Assets per employee ($millions) | 3.1898% | 5,696 |
| Cash dividends to net income (ytd only)* | 23.0874% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,911 |
| Loan loss allowance to noncurrent loans | 25.5982% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 2.2072% | 3,189 |
| Noncurrent loans to loans | 5.1133% | 1,343 |
| Net loans and leases to total assets | 39.2792% | 7,117 |
| Net loans and leases to deposits | 46.3907% | 7,159 |
| Net loans and leases to core deposits | 53.6487% | 6,975 |
| Total domestic deposits to total assets | 84.6704% | 3,787 |
| Equity capital to assets | 14.5245% | 1,014 |
| Core capital (leverage) ratio | 13.3930% | 1,093 |
| Tier 1 risk-based capital ratio | 25.8245% | 788 |
| Total risk-based capital ratio | 26.8290% | 792 |
| Memoranda: | ||
| Average total assets | $147,893,000 | 3,961 |
| Average earning assets | $129,531,000 | 4,081 |
| Average equity | $21,001,500 | 3,050 |
| Average total loans | $60,936,750 | 5,104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 3,969 |
| Cost of funding earning assets | 1.2579% | 4,777 |
| Net interest margin | 3.9407% | 3,280 |
| Noninterest income to average assets | 0.5950% | 3,375 |
| Noninterest expense to average assets | 3.2972% | 2,578 |
| Loan and lease loss provision to assets | 0.0815% | 6,117 |
| Net operating income to assets | 0.5945% | 3,899 |
| Return on assets (ROA) | 0.6154% | 3,948 |
| Pretax return on assets | 0.6385% | 4,437 |
| Return on Equity (ROE) | 4.3676% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.6803% | 4,439 |
| Net charge-offs to loans | -0.1271% | 7,588 |
| Credit loss provision to net charge-offs | -153.8462% | 6,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5230% | 2,097 |
| Assets per employee ($millions) | 3.0382% | 6,059 |
| Cash dividends to net income (ytd only)* | 38.6313% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 3,153 |
| Loan loss allowance to noncurrent loans | 29.7626% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 2.4535% | 2,932 |
| Noncurrent loans to loans | 5.6422% | 1,160 |
| Net loans and leases to total assets | 40.2693% | 7,147 |
| Net loans and leases to deposits | 47.4880% | 7,188 |
| Net loans and leases to core deposits | 55.2689% | 6,978 |
| Total domestic deposits to total assets | 84.7991% | 3,726 |
| Equity capital to assets | 14.5447% | 999 |
| Core capital (leverage) ratio | 13.3155% | 1,111 |
| Tier 1 risk-based capital ratio | 25.7628% | 787 |
| Total risk-based capital ratio | 27.0136% | 774 |
| Memoranda: | ||
| Average total assets | $147,217,670 | 4,010 |
| Average earning assets | $127,034,330 | 4,156 |
| Average equity | $20,743,670 | 3,073 |
| Average total loans | $61,359,670 | 5,117 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 4,284 |
| Cost of funding earning assets | 1.3044% | 4,786 |
| Net interest margin | 3.8479% | 3,582 |
| Noninterest income to average assets | 0.5977% | 3,289 |
| Noninterest expense to average assets | 3.3399% | 2,392 |
| Loan and lease loss provision to assets | 0.0811% | 5,830 |
| Net operating income to assets | 0.5436% | 4,161 |
| Return on assets (ROA) | 0.5679% | 4,186 |
| Pretax return on assets | 0.5436% | 4,804 |
| Return on Equity (ROE) | 4.0956% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.0956% | 3,695 |
| Net charge-offs to loans | -0.2959% | 7,739 |
| Credit loss provision to net charge-offs | -65.2174% | 6,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7632% | 1,939 |
| Assets per employee ($millions) | 2.9821% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,418 |
| Loan loss allowance to noncurrent loans | 30.1538% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 2.4171% | 3,010 |
| Noncurrent loans to loans | 5.3236% | 1,329 |
| Net loans and leases to total assets | 40.2864% | 7,232 |
| Net loans and leases to deposits | 46.9726% | 7,280 |
| Net loans and leases to core deposits | 54.5041% | 7,077 |
| Total domestic deposits to total assets | 85.7657% | 3,277 |
| Equity capital to assets | 13.8573% | 1,189 |
| Core capital (leverage) ratio | 13.2380% | 1,145 |
| Tier 1 risk-based capital ratio | 25.4593% | 818 |
| Total risk-based capital ratio | 26.7099% | 797 |
| Memoranda: | ||
| Average total assets | $147,910,000 | 4,040 |
| Average earning assets | $128,484,000 | 4,180 |
| Average equity | $20,510,000 | 3,130 |
| Average total loans | $62,175,000 | 5,172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1997% | 5,656 |
| Cost of funding earning assets | 1.5126% | 5,466 |
| Net interest margin | 3.6871% | 4,195 |
| Noninterest income to average assets | 0.6136% | 3,523 |
| Noninterest expense to average assets | 3.4384% | 2,558 |
| Loan and lease loss provision to assets | 0.3482% | 4,716 |
| Net operating income to assets | 0.2716% | 4,637 |
| Return on assets (ROA) | 0.2828% | 4,688 |
| Pretax return on assets | 0.1553% | 5,101 |
| Return on Equity (ROE) | 1.9710% | 4,920 |
| Retained earnings to average equity (ytd only) | -0.8933% | 5,225 |
| Net charge-offs to loans | 0.6656% | 3,186 |
| Credit loss provision to net charge-offs | 114.1553% | 4,799 |
| Earnings coverage of net charge-offs (x) | 1.6142% | 4,534 |
| Efficiency ratio | 87.4734% | 1,932 |
| Assets per employee ($millions) | 2.9942% | 6,242 |
| Cash dividends to net income (ytd only)* | 145.3202% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 4,085 |
| Loan loss allowance to noncurrent loans | 29.8055% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 2.3086% | 2,994 |
| Noncurrent loans to loans | 4.7914% | 1,444 |
| Net loans and leases to total assets | 42.5294% | 7,222 |
| Net loans and leases to deposits | 49.5986% | 7,282 |
| Net loans and leases to core deposits | 72.1645% | 6,650 |
| Total domestic deposits to total assets | 85.7472% | 3,141 |
| Equity capital to assets | 13.8759% | 1,204 |
| Core capital (leverage) ratio | 13.3359% | 1,144 |
| Tier 1 risk-based capital ratio | 24.8034% | 861 |
| Total risk-based capital ratio | 25.9536% | 854 |
| Memoranda: | ||
| Average total assets | $143,582,200 | 4,049 |
| Average earning assets | $129,181,000 | 4,104 |
| Average equity | $20,598,400 | 3,125 |
| Average total loans | $65,805,400 | 5,029 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 5,859 |
| Cost of funding earning assets | 1.5623% | 5,581 |
| Net interest margin | 3.6422% | 4,312 |
| Noninterest income to average assets | 0.6246% | 3,528 |
| Noninterest expense to average assets | 3.3734% | 2,656 |
| Loan and lease loss provision to assets | 0.0700% | 6,657 |
| Net operating income to assets | 0.5201% | 3,898 |
| Return on assets (ROA) | 0.5294% | 3,954 |
| Pretax return on assets | 0.4818% | 4,573 |
| Return on Equity (ROE) | 3.6594% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.2073% | 4,094 |
| Net charge-offs to loans | 0.2910% | 4,211 |
| Credit loss provision to net charge-offs | 51.7241% | 6,284 |
| Earnings coverage of net charge-offs (x) | 4.0069% | 3,303 |
| Efficiency ratio | 86.1469% | 2,048 |
| Assets per employee ($millions) | 2.9372% | 6,315 |
| Cash dividends to net income (ytd only)* | 39.6823% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,076 |
| Loan loss allowance to noncurrent loans | 16.9335% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 3.3115% | 2,037 |
| Noncurrent loans to loans | 7.1181% | 755 |
| Net loans and leases to total assets | 43.9649% | 7,249 |
| Net loans and leases to deposits | 52.1511% | 7,297 |
| Net loans and leases to core deposits | 78.0414% | 6,485 |
| Total domestic deposits to total assets | 84.3028% | 3,579 |
| Equity capital to assets | 14.8356% | 1,053 |
| Core capital (leverage) ratio | 13.9681% | 1,099 |
| Tier 1 risk-based capital ratio | 25.8010% | 831 |
| Total risk-based capital ratio | 26.7959% | 832 |
| Memoranda: | ||
| Average total assets | $142,799,000 | 4,082 |
| Average earning assets | $129,039,000 | 4,124 |
| Average equity | $20,658,500 | 3,146 |
| Average total loans | $66,431,500 | 5,043 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 6,294 |
| Cost of funding earning assets | 1.6214% | 5,661 |
| Net interest margin | 3.5144% | 4,738 |
| Noninterest income to average assets | 0.5982% | 3,713 |
| Noninterest expense to average assets | 3.3843% | 2,675 |
| Loan and lease loss provision to assets | 0.1053% | 6,105 |
| Net operating income to assets | 0.3862% | 4,564 |
| Return on assets (ROA) | 0.3974% | 4,632 |
| Pretax return on assets | 0.3188% | 5,168 |
| Return on Equity (ROE) | 2.7708% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.7708% | 3,787 |
| Net charge-offs to loans | 0.1458% | 4,724 |
| Credit loss provision to net charge-offs | 153.0612% | 3,006 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,705 |
| Efficiency ratio | 89.1272% | 1,892 |
| Assets per employee ($millions) | 2.8754% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,219 |
| Loan loss allowance to noncurrent loans | 12.3823% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 5.0037% | 1,064 |
| Noncurrent loans to loans | 10.5714% | 312 |
| Net loans and leases to total assets | 46.4474% | 7,165 |
| Net loans and leases to deposits | 54.7146% | 7,232 |
| Net loans and leases to core deposits | 82.1168% | 6,229 |
| Total domestic deposits to total assets | 84.8904% | 3,320 |
| Equity capital to assets | 14.6220% | 1,135 |
| Core capital (leverage) ratio | 14.9094% | 944 |
| Tier 1 risk-based capital ratio | 25.6229% | 887 |
| Total risk-based capital ratio | 26.7370% | 882 |
| Memoranda: | ||
| Average total assets | $142,424,000 | 4,128 |
| Average earning assets | $129,638,330 | 4,142 |
| Average equity | $20,427,330 | 3,183 |
| Average total loans | $67,226,000 | 5,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 6,721 |
| Cost of funding earning assets | 1.6983% | 5,607 |
| Net interest margin | 3.3782% | 5,221 |
| Noninterest income to average assets | 0.5811% | 3,677 |
| Noninterest expense to average assets | 3.3020% | 2,649 |
| Loan and lease loss provision to assets | 0.1257% | 5,349 |
| Net operating income to assets | 0.2989% | 5,303 |
| Return on assets (ROA) | 0.3017% | 5,464 |
| Pretax return on assets | 0.2235% | 5,886 |
| Return on Equity (ROE) | 2.1239% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.1239% | 4,683 |
| Net charge-offs to loans | 0.0355% | 5,015 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,364 |
| Efficiency ratio | 90.5054% | 1,683 |
| Assets per employee ($millions) | 2.9767% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 3,854 |
| Loan loss allowance to noncurrent loans | 13.3132% | 7,452 |
| Noncurrent assets plus other real estate owned to assets | 4.5592% | 1,050 |
| Noncurrent loans to loans | 10.0639% | 285 |
| Net loans and leases to total assets | 44.4268% | 7,306 |
| Net loans and leases to deposits | 51.9260% | 7,405 |
| Net loans and leases to core deposits | 76.4286% | 6,645 |
| Total domestic deposits to total assets | 85.5579% | 2,938 |
| Equity capital to assets | 14.0637% | 1,348 |
| Core capital (leverage) ratio | 13.6505% | 1,279 |
| Tier 1 risk-based capital ratio | 26.2048% | 877 |
| Total risk-based capital ratio | 27.3702% | 866 |
| Memoranda: | ||
| Average total assets | $143,187,500 | 4,124 |
| Average earning assets | $130,011,500 | 4,155 |
| Average equity | $20,340,000 | 3,215 |
| Average total loans | $67,683,500 | 5,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7737% | 6,525 |
| Cost of funding earning assets | 2.2870% | 5,220 |
| Net interest margin | 3.4868% | 5,341 |
| Noninterest income to average assets | 0.5687% | 4,093 |
| Noninterest expense to average assets | 3.2884% | 3,000 |
| Loan and lease loss provision to assets | 0.3703% | 3,459 |
| Net operating income to assets | 0.2501% | 5,710 |
| Return on assets (ROA) | 0.2501% | 5,520 |
| Pretax return on assets | 0.1320% | 5,878 |
| Return on Equity (ROE) | 1.8088% | 5,667 |
| Retained earnings to average equity (ytd only) | 0.0404% | 5,211 |
| Net charge-offs to loans | 1.1730% | 1,035 |
| Credit loss provision to net charge-offs | 59.9548% | 6,231 |
| Earnings coverage of net charge-offs (x) | 0.8133% | 5,746 |
| Efficiency ratio | 86.7490% | 1,782 |
| Assets per employee ($millions) | 2.9274% | 6,226 |
| Cash dividends to net income (ytd only)* | 97.7654% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 4,464 |
| Loan loss allowance to noncurrent loans | 14.8632% | 7,398 |
| Noncurrent assets plus other real estate owned to assets | 4.0650% | 1,000 |
| Noncurrent loans to loans | 8.1292% | 324 |
| Net loans and leases to total assets | 48.9941% | 7,102 |
| Net loans and leases to deposits | 57.4748% | 7,235 |
| Net loans and leases to core deposits | 84.5502% | 6,250 |
| Total domestic deposits to total assets | 85.2445% | 2,730 |
| Equity capital to assets | 14.3520% | 1,337 |
| Core capital (leverage) ratio | 13.8273% | 1,304 |
| Tier 1 risk-based capital ratio | 24.6372% | 1,017 |
| Total risk-based capital ratio | 25.6914% | 1,019 |
| Memoranda: | ||
| Average total assets | $143,137,800 | 4,022 |
| Average earning assets | $132,272,000 | 4,002 |
| Average equity | $19,791,600 | 3,262 |
| Average total loans | $75,359,800 | 4,674 |