Home > The First National Bank of Pandora > Performance and Condition Ratios
The First National Bank of Pandora, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 2,894 |
| Cost of funding earning assets | 1.6117% | 1,663 |
| Net interest margin | 2.9880% | 3,308 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.8820% | 1,307 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3171% | 4,002 |
| Return on assets (ROA) | 0.3171% | 4,001 |
| Pretax return on assets | 0.2716% | 4,120 |
| Return on Equity (ROE) | 5.3100% | 3,669 |
| Retained earnings to average equity (ytd only) | 2.6353% | 3,400 |
| Net charge-offs to loans | 0.0102% | 2,263 |
| Credit loss provision to net charge-offs | 247.0588% | 1,078 |
| Earnings coverage of net charge-offs (x) | 42.4706% | 1,407 |
| Efficiency ratio | 90.9045% | 388 |
| Assets per employee ($millions) | 4.6288% | 3,869 |
| Cash dividends to net income (ytd only)* | 50.3778% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 1,955 |
| Loan loss allowance to noncurrent loans | 500.2288% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 2,415 |
| Noncurrent loans to loans | 0.2524% | 2,286 |
| Net loans and leases to total assets | 65.9500% | 2,260 |
| Net loans and leases to deposits | 72.6710% | 2,717 |
| Net loans and leases to core deposits | 83.0512% | 2,519 |
| Total domestic deposits to total assets | 90.7500% | 569 |
| Equity capital to assets | 6.1192% | 4,213 |
| Core capital (leverage) ratio | 8.0273% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0799% | 2,563 |
| Memoranda: | ||
| Average total assets | $250,378,800 | 2,683 |
| Average earning assets | $229,383,400 | 2,689 |
| Average equity | $14,950,600 | 3,269 |
| Average total loans | $166,202,200 | 2,549 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 2,971 |
| Cost of funding earning assets | 1.4843% | 1,657 |
| Net interest margin | 2.9832% | 3,367 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.8738% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3481% | 4,056 |
| Return on assets (ROA) | 0.3481% | 4,059 |
| Pretax return on assets | 0.3041% | 4,163 |
| Return on Equity (ROE) | 5.8700% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.8683% | 2,669 |
| Net charge-offs to loans | 0.0008% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 278 |
| Efficiency ratio | 90.4311% | 359 |
| Assets per employee ($millions) | 4.7500% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 1,904 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,069 |
| Noncurrent loans to loans | 0.3552% | 1,952 |
| Net loans and leases to total assets | 65.5600% | 2,282 |
| Net loans and leases to deposits | 72.0353% | 2,708 |
| Net loans and leases to core deposits | 78.9696% | 2,676 |
| Total domestic deposits to total assets | 91.0100% | 669 |
| Equity capital to assets | 5.6814% | 4,090 |
| Core capital (leverage) ratio | 8.3100% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5065% | 2,450 |
| Memoranda: | ||
| Average total assets | $248,169,750 | 2,699 |
| Average earning assets | $227,359,000 | 2,704 |
| Average equity | $14,722,750 | 3,288 |
| Average total loans | $164,467,500 | 2,572 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 2,919 |
| Cost of funding earning assets | 1.3488% | 1,585 |
| Net interest margin | 3.0359% | 3,341 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.8756% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4057% | 3,997 |
| Return on assets (ROA) | 0.4057% | 4,005 |
| Pretax return on assets | 0.3693% | 4,158 |
| Return on Equity (ROE) | 6.7400% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.7417% | 2,370 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.6199% | 402 |
| Assets per employee ($millions) | 4.5537% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 1,936 |
| Loan loss allowance to noncurrent loans | 378.4588% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,045 |
| Noncurrent loans to loans | 0.3433% | 1,904 |
| Net loans and leases to total assets | 65.5500% | 2,205 |
| Net loans and leases to deposits | 72.2995% | 2,627 |
| Net loans and leases to core deposits | 79.6130% | 2,497 |
| Total domestic deposits to total assets | 90.6700% | 737 |
| Equity capital to assets | 5.9061% | 4,187 |
| Core capital (leverage) ratio | 8.3264% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4120% | 2,499 |
| Memoranda: | ||
| Average total assets | $246,975,667 | 2,708 |
| Average earning assets | $226,422,667 | 2,723 |
| Average equity | $14,862,667 | 3,283 |
| Average total loans | $163,554,000 | 2,569 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 2,871 |
| Cost of funding earning assets | 1.1528% | 1,586 |
| Net interest margin | 3.1191% | 3,306 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.8267% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3784% | 4,121 |
| Return on assets (ROA) | 0.3784% | 4,071 |
| Pretax return on assets | 0.3523% | 4,201 |
| Return on Equity (ROE) | 6.2300% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.2290% | 2,703 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.9174% | 393 |
| Assets per employee ($millions) | 4.6026% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 1,988 |
| Loan loss allowance to noncurrent loans | 857.5397% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 2,819 |
| Noncurrent loans to loans | 0.1526% | 2,729 |
| Net loans and leases to total assets | 65.5600% | 2,103 |
| Net loans and leases to deposits | 72.8760% | 2,392 |
| Net loans and leases to core deposits | 79.8493% | 2,269 |
| Total domestic deposits to total assets | 89.9600% | 1,171 |
| Equity capital to assets | 6.1829% | 4,143 |
| Core capital (leverage) ratio | 8.3628% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4876% | 2,577 |
| Memoranda: | ||
| Average total assets | $245,237,000 | 2,753 |
| Average earning assets | $225,194,500 | 2,770 |
| Average equity | $14,898,000 | 3,316 |
| Average total loans | $162,163,500 | 2,606 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 2,176 |
| Cost of funding earning assets | 0.4065% | 2,041 |
| Net interest margin | 3.4315% | 2,149 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.7970% | 1,320 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.7511% | 3,478 |
| Return on assets (ROA) | 0.7511% | 3,418 |
| Pretax return on assets | 0.8423% | 3,510 |
| Return on Equity (ROE) | 11.1900% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.0578% | 1,808 |
| Net charge-offs to loans | -0.0347% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.6736% | 810 |
| Assets per employee ($millions) | 4.7438% | 3,860 |
| Cash dividends to net income (ytd only)* | 27.9799% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,402 |
| Loan loss allowance to noncurrent loans | 1,013.8298% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,019 |
| Noncurrent loans to loans | 0.1181% | 2,934 |
| Net loans and leases to total assets | 65.0200% | 2,140 |
| Net loans and leases to deposits | 70.7154% | 2,520 |
| Net loans and leases to core deposits | 75.7529% | 2,437 |
| Total domestic deposits to total assets | 91.9500% | 654 |
| Equity capital to assets | 5.9641% | 4,102 |
| Core capital (leverage) ratio | 8.3460% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5647% | 2,543 |
| Memoranda: | ||
| Average total assets | $237,931,200 | 2,794 |
| Average earning assets | $220,402,200 | 2,798 |
| Average equity | $15,972,200 | 3,275 |
| Average total loans | $149,716,600 | 2,636 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6878% | 2,077 |
| Cost of funding earning assets | 0.2697% | 2,494 |
| Net interest margin | 3.4182% | 1,920 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.7135% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7400% | 3,448 |
| Return on assets (ROA) | 0.7400% | 3,396 |
| Pretax return on assets | 0.8334% | 3,502 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 10.7182% | 1,128 |
| Net charge-offs to loans | 0.0009% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,481.0000% | 88 |
| Efficiency ratio | 76.5033% | 1,035 |
| Assets per employee ($millions) | 4.9155% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,800 |
| Loan loss allowance to noncurrent loans | 655.5911% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 2,684 |
| Noncurrent loans to loans | 0.2062% | 2,570 |
| Net loans and leases to total assets | 63.4800% | 2,143 |
| Net loans and leases to deposits | 68.6796% | 2,484 |
| Net loans and leases to core deposits | 73.3323% | 2,399 |
| Total domestic deposits to total assets | 92.4300% | 736 |
| Equity capital to assets | 6.1404% | 3,909 |
| Core capital (leverage) ratio | 8.7137% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0702% | 2,448 |
| Memoranda: | ||
| Average total assets | $236,931,000 | 2,825 |
| Average earning assets | $220,032,750 | 2,823 |
| Average equity | $16,358,000 | 3,280 |
| Average total loans | $147,341,750 | 2,662 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 1,963 |
| Cost of funding earning assets | 0.1984% | 2,933 |
| Net interest margin | 3.3611% | 1,714 |
| Noninterest income to average assets | 0.3549% | 3,030 |
| Noninterest expense to average assets | 2.6798% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7157% | 3,256 |
| Return on assets (ROA) | 0.7157% | 3,209 |
| Pretax return on assets | 0.8025% | 3,318 |
| Return on Equity (ROE) | 9.9992% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.9992% | 1,023 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9547% | 1,178 |
| Assets per employee ($millions) | 4.7611% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,796 |
| Loan loss allowance to noncurrent loans | 733.2143% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 2,883 |
| Noncurrent loans to loans | 0.1896% | 2,758 |
| Net loans and leases to total assets | 61.1573% | 2,206 |
| Net loans and leases to deposits | 66.3045% | 2,518 |
| Net loans and leases to core deposits | 71.1098% | 2,411 |
| Total domestic deposits to total assets | 92.2371% | 745 |
| Equity capital to assets | 6.3212% | 4,093 |
| Core capital (leverage) ratio | 8.5105% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8954% | 2,537 |
| Memoranda: | ||
| Average total assets | $237,260,000 | 2,845 |
| Average earning assets | $220,761,000 | 2,847 |
| Average equity | $16,981,333 | 3,326 |
| Average total loans | $145,848,000 | 2,688 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5003% | 1,808 |
| Cost of funding earning assets | 0.1794% | 3,093 |
| Net interest margin | 3.3209% | 1,525 |
| Noninterest income to average assets | 0.3766% | 2,828 |
| Noninterest expense to average assets | 2.7104% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6839% | 3,114 |
| Return on assets (ROA) | 0.6839% | 3,102 |
| Pretax return on assets | 0.7616% | 3,221 |
| Return on Equity (ROE) | 9.0261% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.0261% | 1,265 |
| Net charge-offs to loans | 0.0028% | 1,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 226 |
| Efficiency ratio | 78.0642% | 1,307 |
| Assets per employee ($millions) | 4.8742% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 1,855 |
| Loan loss allowance to noncurrent loans | 313.1298% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 2,009 |
| Noncurrent loans to loans | 0.4517% | 1,899 |
| Net loans and leases to total assets | 61.1032% | 1,952 |
| Net loans and leases to deposits | 66.8614% | 2,257 |
| Net loans and leases to core deposits | 71.8121% | 2,130 |
| Total domestic deposits to total assets | 91.3878% | 855 |
| Equity capital to assets | 7.1123% | 4,153 |
| Core capital (leverage) ratio | 8.3395% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9908% | 2,608 |
| Memoranda: | ||
| Average total assets | $236,862,500 | 2,865 |
| Average earning assets | $220,781,500 | 2,862 |
| Average equity | $17,948,000 | 3,332 |
| Average total loans | $144,951,500 | 2,688 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 1,208 |
| Cost of funding earning assets | 0.2677% | 2,726 |
| Net interest margin | 3.8051% | 1,000 |
| Noninterest income to average assets | 0.7443% | 1,612 |
| Noninterest expense to average assets | 3.0570% | 906 |
| Loan and lease loss provision to assets | 0.0390% | 2,263 |
| Net operating income to assets | 0.9962% | 2,686 |
| Return on assets (ROA) | 0.9962% | 2,755 |
| Pretax return on assets | 1.1912% | 2,695 |
| Return on Equity (ROE) | 11.9735% | 1,826 |
| Retained earnings to average equity (ytd only) | 9.3683% | 1,081 |
| Net charge-offs to loans | -0.0041% | 3,510 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3043% | 1,581 |
| Assets per employee ($millions) | 5.3281% | 3,444 |
| Cash dividends to net income (ytd only)* | 21.7581% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,855 |
| Loan loss allowance to noncurrent loans | 428.6013% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 2,564 |
| Noncurrent loans to loans | 0.3306% | 2,402 |
| Net loans and leases to total assets | 59.5758% | 2,200 |
| Net loans and leases to deposits | 66.0199% | 2,513 |
| Net loans and leases to core deposits | 71.0003% | 2,355 |
| Total domestic deposits to total assets | 90.2392% | 849 |
| Equity capital to assets | 8.0312% | 4,344 |
| Core capital (leverage) ratio | 8.1287% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8655% | 2,678 |
| Memoranda: | ||
| Average total assets | $230,686,800 | 2,839 |
| Average earning assets | $214,788,400 | 2,842 |
| Average equity | $19,192,400 | 3,285 |
| Average total loans | $145,057,600 | 2,677 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 1,117 |
| Cost of funding earning assets | 0.2875% | 2,718 |
| Net interest margin | 3.9083% | 921 |
| Noninterest income to average assets | 0.8283% | 1,445 |
| Noninterest expense to average assets | 2.9787% | 1,008 |
| Loan and lease loss provision to assets | 0.0525% | 1,939 |
| Net operating income to assets | 1.1902% | 2,198 |
| Return on assets (ROA) | 1.1902% | 2,257 |
| Pretax return on assets | 1.4313% | 2,210 |
| Return on Equity (ROE) | 14.1767% | 1,343 |
| Retained earnings to average equity (ytd only) | 14.1767% | 491 |
| Net charge-offs to loans | -0.0046% | 3,408 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7495% | 1,997 |
| Assets per employee ($millions) | 4.9811% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,021 |
| Loan loss allowance to noncurrent loans | 410.4000% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,711 |
| Noncurrent loans to loans | 0.3408% | 2,563 |
| Net loans and leases to total assets | 61.7879% | 2,031 |
| Net loans and leases to deposits | 68.9704% | 2,332 |
| Net loans and leases to core deposits | 74.3469% | 2,201 |
| Total domestic deposits to total assets | 89.5862% | 972 |
| Equity capital to assets | 8.5651% | 4,166 |
| Core capital (leverage) ratio | 8.4935% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2006% | 2,646 |
| Memoranda: | ||
| Average total assets | $228,417,250 | 2,885 |
| Average earning assets | $212,397,000 | 2,886 |
| Average equity | $19,176,500 | 3,326 |
| Average total loans | $145,098,250 | 2,712 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 1,508 |
| Cost of funding earning assets | 0.3064% | 2,725 |
| Net interest margin | 3.7197% | 1,300 |
| Noninterest income to average assets | 0.8388% | 1,431 |
| Noninterest expense to average assets | 2.9764% | 1,024 |
| Loan and lease loss provision to assets | 0.0795% | 1,525 |
| Net operating income to assets | 1.0489% | 2,728 |
| Return on assets (ROA) | 1.0489% | 2,803 |
| Pretax return on assets | 1.2449% | 2,788 |
| Return on Equity (ROE) | 12.5816% | 1,859 |
| Retained earnings to average equity (ytd only) | 12.5816% | 795 |
| Net charge-offs to loans | 0.0097% | 1,786 |
| Credit loss provision to net charge-offs | 1,285.7143% | 397 |
| Earnings coverage of net charge-offs (x) | 214.2857% | 478 |
| Efficiency ratio | 69.2055% | 1,736 |
| Assets per employee ($millions) | 4.5972% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,926 |
| Loan loss allowance to noncurrent loans | 1,068.0628% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,654 |
| Noncurrent loans to loans | 0.1321% | 3,528 |
| Net loans and leases to total assets | 62.0136% | 2,176 |
| Net loans and leases to deposits | 68.8663% | 2,531 |
| Net loans and leases to core deposits | 74.3076% | 2,381 |
| Total domestic deposits to total assets | 90.0492% | 750 |
| Equity capital to assets | 8.3746% | 4,302 |
| Core capital (leverage) ratio | 8.2682% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0155% | 2,717 |
| Memoranda: | ||
| Average total assets | $226,519,000 | 2,900 |
| Average earning assets | $210,823,000 | 2,900 |
| Average equity | $18,884,667 | 3,346 |
| Average total loans | $144,562,667 | 2,738 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 1,380 |
| Cost of funding earning assets | 0.3359% | 2,659 |
| Net interest margin | 3.7650% | 1,211 |
| Noninterest income to average assets | 0.9180% | 1,281 |
| Noninterest expense to average assets | 3.0243% | 957 |
| Loan and lease loss provision to assets | 0.0801% | 1,615 |
| Net operating income to assets | 1.1119% | 2,433 |
| Return on assets (ROA) | 1.1119% | 2,516 |
| Pretax return on assets | 1.3236% | 2,505 |
| Return on Equity (ROE) | 13.3676% | 1,575 |
| Retained earnings to average equity (ytd only) | 13.3676% | 844 |
| Net charge-offs to loans | 0.0028% | 1,825 |
| Credit loss provision to net charge-offs | 4,500.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 789.0000% | 119 |
| Efficiency ratio | 68.3005% | 1,894 |
| Assets per employee ($millions) | 4.5645% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,136 |
| Loan loss allowance to noncurrent loans | 1,047.6440% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,782 |
| Noncurrent loans to loans | 0.1301% | 3,660 |
| Net loans and leases to total assets | 63.4752% | 2,105 |
| Net loans and leases to deposits | 70.3119% | 2,475 |
| Net loans and leases to core deposits | 75.1819% | 2,413 |
| Total domestic deposits to total assets | 90.2766% | 684 |
| Equity capital to assets | 8.1666% | 4,385 |
| Core capital (leverage) ratio | 8.1718% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0987% | 2,635 |
| Memoranda: | ||
| Average total assets | $224,848,000 | 2,898 |
| Average earning assets | $209,615,500 | 2,897 |
| Average equity | $18,702,000 | 3,355 |
| Average total loans | $144,551,500 | 2,742 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 910 |
| Cost of funding earning assets | 0.7672% | 1,359 |
| Net interest margin | 3.9240% | 1,150 |
| Noninterest income to average assets | 1.0252% | 1,002 |
| Noninterest expense to average assets | 3.2463% | 978 |
| Loan and lease loss provision to assets | 0.1590% | 2,385 |
| Net operating income to assets | 1.0596% | 2,067 |
| Return on assets (ROA) | 1.0756% | 2,147 |
| Pretax return on assets | 1.2840% | 2,033 |
| Return on Equity (ROE) | 12.3607% | 1,216 |
| Retained earnings to average equity (ytd only) | 10.1123% | 564 |
| Net charge-offs to loans | -0.0190% | 4,412 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5119% | 2,014 |
| Assets per employee ($millions) | 4.6140% | 3,794 |
| Cash dividends to net income (ytd only)* | 18.1901% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,076 |
| Loan loss allowance to noncurrent loans | 600.3067% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 3,548 |
| Noncurrent loans to loans | 0.2292% | 3,383 |
| Net loans and leases to total assets | 63.3395% | 2,449 |
| Net loans and leases to deposits | 70.5563% | 2,818 |
| Net loans and leases to core deposits | 76.4648% | 2,685 |
| Total domestic deposits to total assets | 89.7717% | 649 |
| Equity capital to assets | 8.4733% | 4,462 |
| Core capital (leverage) ratio | 8.0699% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7042% | 2,728 |
| Memoranda: | ||
| Average total assets | $204,446,800 | 2,900 |
| Average earning assets | $189,910,000 | 2,912 |
| Average equity | $17,790,200 | 3,389 |
| Average total loans | $136,557,200 | 2,785 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 1,000 |
| Cost of funding earning assets | 0.8508% | 1,257 |
| Net interest margin | 3.8800% | 1,404 |
| Noninterest income to average assets | 1.0710% | 908 |
| Noninterest expense to average assets | 3.2788% | 939 |
| Loan and lease loss provision to assets | 0.1863% | 2,126 |
| Net operating income to assets | 1.0163% | 2,270 |
| Return on assets (ROA) | 1.0337% | 2,340 |
| Pretax return on assets | 1.2348% | 2,278 |
| Return on Equity (ROE) | 11.7933% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.7933% | 459 |
| Net charge-offs to loans | -0.0257% | 4,482 |
| Credit loss provision to net charge-offs | -1,076.9231% | 3,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0683% | 1,878 |
| Assets per employee ($millions) | 4.5658% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,947 |
| Loan loss allowance to noncurrent loans | 560.7038% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 3,609 |
| Noncurrent loans to loans | 0.2411% | 3,439 |
| Net loans and leases to total assets | 66.4188% | 2,461 |
| Net loans and leases to deposits | 74.7411% | 2,889 |
| Net loans and leases to core deposits | 81.8840% | 2,671 |
| Total domestic deposits to total assets | 88.8651% | 830 |
| Equity capital to assets | 8.8332% | 4,227 |
| Core capital (leverage) ratio | 8.4395% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0272% | 2,603 |
| Memoranda: | ||
| Average total assets | $200,190,250 | 2,917 |
| Average earning assets | $186,181,500 | 2,926 |
| Average equity | $17,546,250 | 3,415 |
| Average total loans | $135,137,250 | 2,817 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 570 |
| Cost of funding earning assets | 0.9886% | 1,019 |
| Net interest margin | 4.2144% | 894 |
| Noninterest income to average assets | 0.9486% | 1,073 |
| Noninterest expense to average assets | 3.3121% | 979 |
| Loan and lease loss provision to assets | 0.1777% | 2,238 |
| Net operating income to assets | 1.1439% | 1,829 |
| Return on assets (ROA) | 1.1701% | 1,860 |
| Pretax return on assets | 1.4088% | 1,708 |
| Return on Equity (ROE) | 13.3868% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.3868% | 317 |
| Net charge-offs to loans | 0.0210% | 2,302 |
| Credit loss provision to net charge-offs | 1,250.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 109.3571% | 662 |
| Efficiency ratio | 68.0509% | 2,228 |
| Assets per employee ($millions) | 4.4795% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,229 |
| Loan loss allowance to noncurrent loans | 647.2527% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 3,863 |
| Noncurrent loans to loans | 0.1940% | 3,682 |
| Net loans and leases to total assets | 67.4422% | 2,437 |
| Net loans and leases to deposits | 75.6721% | 2,910 |
| Net loans and leases to core deposits | 82.9982% | 2,690 |
| Total domestic deposits to total assets | 89.1243% | 705 |
| Equity capital to assets | 8.7797% | 4,284 |
| Core capital (leverage) ratio | 8.3949% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0212% | 2,603 |
| Memoranda: | ||
| Average total assets | $196,912,000 | 2,923 |
| Average earning assets | $183,088,667 | 2,927 |
| Average equity | $17,211,000 | 3,447 |
| Average total loans | $133,047,000 | 2,826 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 1,563 |
| Cost of funding earning assets | 0.9539% | 1,633 |
| Net interest margin | 3.7933% | 2,008 |
| Noninterest income to average assets | 0.5490% | 2,288 |
| Noninterest expense to average assets | 2.9843% | 1,917 |
| Loan and lease loss provision to assets | 0.0936% | 2,511 |
| Net operating income to assets | 0.8359% | 2,766 |
| Return on assets (ROA) | 0.8901% | 2,656 |
| Pretax return on assets | 1.0585% | 2,645 |
| Return on Equity (ROE) | 10.2081% | 1,677 |
| Retained earnings to average equity (ytd only) | 10.2081% | 705 |
| Net charge-offs to loans | 0.0124% | 2,140 |
| Credit loss provision to net charge-offs | 1,125.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 130.7500% | 477 |
| Efficiency ratio | 73.2891% | 1,907 |
| Assets per employee ($millions) | 4.0487% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,267 |
| Loan loss allowance to noncurrent loans | 706.8670% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,025 |
| Noncurrent loans to loans | 0.1802% | 3,829 |
| Net loans and leases to total assets | 65.7046% | 2,852 |
| Net loans and leases to deposits | 74.3294% | 3,237 |
| Net loans and leases to core deposits | 82.5728% | 2,972 |
| Total domestic deposits to total assets | 88.3965% | 930 |
| Equity capital to assets | 8.9375% | 4,634 |
| Core capital (leverage) ratio | 8.6859% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4104% | 2,965 |
| Memoranda: | ||
| Average total assets | $192,340,500 | 2,928 |
| Average earning assets | $178,633,000 | 2,936 |
| Average equity | $16,771,000 | 3,491 |
| Average total loans | $129,203,000 | 2,845 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 1,476 |
| Cost of funding earning assets | 1.1116% | 1,279 |
| Net interest margin | 3.8905% | 2,213 |
| Noninterest income to average assets | 0.5854% | 2,296 |
| Noninterest expense to average assets | 3.2592% | 1,382 |
| Loan and lease loss provision to assets | 0.0711% | 2,581 |
| Net operating income to assets | 0.7357% | 3,746 |
| Return on assets (ROA) | 0.7428% | 3,799 |
| Pretax return on assets | 0.8521% | 3,872 |
| Return on Equity (ROE) | 8.7439% | 2,861 |
| Retained earnings to average equity (ytd only) | 6.3312% | 1,701 |
| Net charge-offs to loans | 0.0523% | 2,368 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 25.7538% | 1,721 |
| Efficiency ratio | 78.0804% | 1,143 |
| Assets per employee ($millions) | 4.0499% | 3,846 |
| Cash dividends to net income (ytd only)* | 27.5938% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,201 |
| Loan loss allowance to noncurrent loans | 542.5676% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 3,856 |
| Noncurrent loans to loans | 0.2293% | 3,626 |
| Net loans and leases to total assets | 66.9654% | 2,835 |
| Net loans and leases to deposits | 75.4738% | 3,223 |
| Net loans and leases to core deposits | 83.6010% | 2,989 |
| Total domestic deposits to total assets | 88.7267% | 779 |
| Equity capital to assets | 8.4968% | 4,913 |
| Core capital (leverage) ratio | 8.4196% | 4,883 |
| Tier 1 risk-based capital ratio | 11.0862% | 4,824 |
| Total risk-based capital ratio | 12.2006% | 4,777 |
| Memoranda: | ||
| Average total assets | $182,959,000 | 2,981 |
| Average earning assets | $168,768,200 | 3,007 |
| Average equity | $15,542,200 | 3,588 |
| Average total loans | $124,335,000 | 2,888 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 1,556 |
| Cost of funding earning assets | 1.1270% | 1,254 |
| Net interest margin | 3.8678% | 2,373 |
| Noninterest income to average assets | 0.5286% | 2,563 |
| Noninterest expense to average assets | 3.2215% | 1,420 |
| Loan and lease loss provision to assets | 0.0331% | 3,246 |
| Net operating income to assets | 0.7307% | 3,910 |
| Return on assets (ROA) | 0.7391% | 3,947 |
| Pretax return on assets | 0.8407% | 4,035 |
| Return on Equity (ROE) | 8.7012% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.7012% | 1,132 |
| Net charge-offs to loans | 0.0801% | 1,680 |
| Credit loss provision to net charge-offs | 60.8108% | 2,702 |
| Earnings coverage of net charge-offs (x) | 15.8655% | 2,165 |
| Efficiency ratio | 78.8468% | 1,033 |
| Assets per employee ($millions) | 4.0606% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,778 |
| Loan loss allowance to noncurrent loans | 154.2304% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 2,423 |
| Noncurrent loans to loans | 0.7453% | 2,100 |
| Net loans and leases to total assets | 69.6563% | 2,527 |
| Net loans and leases to deposits | 78.8477% | 3,024 |
| Net loans and leases to core deposits | 87.5147% | 2,780 |
| Total domestic deposits to total assets | 88.3429% | 899 |
| Equity capital to assets | 8.7233% | 4,913 |
| Core capital (leverage) ratio | 8.7119% | 4,827 |
| Tier 1 risk-based capital ratio | 11.0375% | 4,893 |
| Total risk-based capital ratio | 12.0814% | 4,880 |
| Memoranda: | ||
| Average total assets | $181,113,000 | 3,032 |
| Average earning assets | $166,567,750 | 3,051 |
| Average equity | $15,384,500 | 3,638 |
| Average total loans | $123,151,250 | 2,937 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 1,630 |
| Cost of funding earning assets | 1.1171% | 1,231 |
| Net interest margin | 3.8270% | 2,493 |
| Noninterest income to average assets | 0.5245% | 2,541 |
| Noninterest expense to average assets | 3.2384% | 1,429 |
| Loan and lease loss provision to assets | 0.0167% | 3,453 |
| Net operating income to assets | 0.6919% | 4,030 |
| Return on assets (ROA) | 0.7008% | 4,062 |
| Pretax return on assets | 0.7890% | 4,122 |
| Return on Equity (ROE) | 8.3282% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.3282% | 1,271 |
| Net charge-offs to loans | 0.0299% | 2,257 |
| Credit loss provision to net charge-offs | 83.3333% | 2,192 |
| Earnings coverage of net charge-offs (x) | 39.6111% | 1,253 |
| Efficiency ratio | 80.2766% | 946 |
| Assets per employee ($millions) | 3.7801% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,356 |
| Loan loss allowance to noncurrent loans | 452.3529% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 3,741 |
| Noncurrent loans to loans | 0.2721% | 3,555 |
| Net loans and leases to total assets | 68.0188% | 2,810 |
| Net loans and leases to deposits | 77.1220% | 3,236 |
| Net loans and leases to core deposits | 85.1344% | 3,020 |
| Total domestic deposits to total assets | 88.1964% | 1,009 |
| Equity capital to assets | 8.7250% | 4,938 |
| Core capital (leverage) ratio | 8.7319% | 4,817 |
| Tier 1 risk-based capital ratio | 11.3835% | 4,744 |
| Total risk-based capital ratio | 12.5043% | 4,698 |
| Memoranda: | ||
| Average total assets | $179,221,670 | 3,064 |
| Average earning assets | $164,358,670 | 3,089 |
| Average equity | $15,081,330 | 3,674 |
| Average total loans | $120,327,670 | 2,986 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,870 |
| Cost of funding earning assets | 1.0779% | 1,264 |
| Net interest margin | 3.7322% | 2,775 |
| Noninterest income to average assets | 0.5008% | 2,549 |
| Noninterest expense to average assets | 3.2182% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6321% | 4,143 |
| Return on assets (ROA) | 0.6423% | 4,151 |
| Pretax return on assets | 0.7074% | 4,286 |
| Return on Equity (ROE) | 7.7789% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.7789% | 1,748 |
| Net charge-offs to loans | -0.0169% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2146% | 853 |
| Assets per employee ($millions) | 3.6996% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,064 |
| Loan loss allowance to noncurrent loans | 415.5914% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,692 |
| Noncurrent loans to loans | 0.3143% | 3,442 |
| Net loans and leases to total assets | 65.7698% | 3,087 |
| Net loans and leases to deposits | 74.4336% | 3,415 |
| Net loans and leases to core deposits | 82.1518% | 3,171 |
| Total domestic deposits to total assets | 88.3604% | 1,154 |
| Equity capital to assets | 8.4614% | 5,012 |
| Core capital (leverage) ratio | 8.7679% | 4,817 |
| Tier 1 risk-based capital ratio | 11.4803% | 4,756 |
| Total risk-based capital ratio | 12.6419% | 4,692 |
| Memoranda: | ||
| Average total assets | $178,110,500 | 3,106 |
| Average earning assets | $162,907,500 | 3,136 |
| Average equity | $14,706,500 | 3,722 |
| Average total loans | $118,014,500 | 3,042 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 1,553 |
| Cost of funding earning assets | 0.8716% | 1,213 |
| Net interest margin | 3.9245% | 2,246 |
| Noninterest income to average assets | 0.5816% | 2,392 |
| Noninterest expense to average assets | 3.3392% | 1,242 |
| Loan and lease loss provision to assets | 0.0619% | 2,916 |
| Net operating income to assets | 0.6907% | 4,162 |
| Return on assets (ROA) | 0.6907% | 4,168 |
| Pretax return on assets | 0.7739% | 4,237 |
| Return on Equity (ROE) | 8.3684% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.9386% | 2,226 |
| Net charge-offs to loans | -0.0207% | 4,710 |
| Credit loss provision to net charge-offs | -437.5000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9802% | 966 |
| Assets per employee ($millions) | 3.6457% | 4,394 |
| Cash dividends to net income (ytd only)* | 29.0350% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 1,994 |
| Loan loss allowance to noncurrent loans | 762.8713% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 4,142 |
| Noncurrent loans to loans | 0.1716% | 3,978 |
| Net loans and leases to total assets | 65.0175% | 3,254 |
| Net loans and leases to deposits | 73.3694% | 3,555 |
| Net loans and leases to core deposits | 79.9298% | 3,433 |
| Total domestic deposits to total assets | 88.6166% | 1,019 |
| Equity capital to assets | 8.0537% | 5,142 |
| Core capital (leverage) ratio | 8.6486% | 4,919 |
| Tier 1 risk-based capital ratio | 11.3439% | 4,798 |
| Total risk-based capital ratio | 12.5098% | 4,748 |
| Memoranda: | ||
| Average total assets | $169,534,000 | 3,175 |
| Average earning assets | $155,229,600 | 3,182 |
| Average equity | $13,993,200 | 3,749 |
| Average total loans | $115,689,800 | 3,048 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 1,537 |
| Cost of funding earning assets | 0.8230% | 1,225 |
| Net interest margin | 3.9308% | 2,193 |
| Noninterest income to average assets | 0.6018% | 2,298 |
| Noninterest expense to average assets | 3.2420% | 1,429 |
| Loan and lease loss provision to assets | 0.0717% | 2,525 |
| Net operating income to assets | 0.7461% | 4,090 |
| Return on assets (ROA) | 0.7461% | 4,101 |
| Pretax return on assets | 0.8976% | 4,027 |
| Return on Equity (ROE) | 8.9816% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.9816% | 1,226 |
| Net charge-offs to loans | -0.0255% | 4,695 |
| Credit loss provision to net charge-offs | -409.0909% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9828% | 1,231 |
| Assets per employee ($millions) | 3.5267% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,065 |
| Loan loss allowance to noncurrent loans | 432.0113% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 3,786 |
| Noncurrent loans to loans | 0.3026% | 3,591 |
| Net loans and leases to total assets | 68.0062% | 2,937 |
| Net loans and leases to deposits | 78.5533% | 3,182 |
| Net loans and leases to core deposits | 86.7805% | 2,941 |
| Total domestic deposits to total assets | 86.5734% | 1,931 |
| Equity capital to assets | 8.3464% | 5,012 |
| Core capital (leverage) ratio | 9.0246% | 4,681 |
| Tier 1 risk-based capital ratio | 11.8749% | 4,570 |
| Total risk-based capital ratio | 13.0744% | 4,476 |
| Memoranda: | ||
| Average total assets | $167,258,000 | 3,224 |
| Average earning assets | $153,588,000 | 3,228 |
| Average equity | $13,894,750 | 3,789 |
| Average total loans | $115,190,500 | 3,078 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,607 |
| Cost of funding earning assets | 0.7658% | 1,304 |
| Net interest margin | 3.8955% | 2,215 |
| Noninterest income to average assets | 0.5739% | 2,457 |
| Noninterest expense to average assets | 3.2152% | 1,505 |
| Loan and lease loss provision to assets | 0.1081% | 1,817 |
| Net operating income to assets | 0.6927% | 4,215 |
| Return on assets (ROA) | 0.6927% | 4,219 |
| Pretax return on assets | 0.8296% | 4,163 |
| Return on Equity (ROE) | 8.3522% | 3,337 |
| Retained earnings to average equity (ytd only) | 8.3522% | 1,471 |
| Net charge-offs to loans | -0.0052% | 4,112 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4212% | 1,258 |
| Assets per employee ($millions) | 3.5129% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,146 |
| Loan loss allowance to noncurrent loans | 606.8548% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 4,070 |
| Noncurrent loans to loans | 0.2149% | 3,952 |
| Net loans and leases to total assets | 67.5464% | 2,939 |
| Net loans and leases to deposits | 76.7038% | 3,274 |
| Net loans and leases to core deposits | 86.0645% | 2,918 |
| Total domestic deposits to total assets | 88.0613% | 1,343 |
| Equity capital to assets | 8.2683% | 5,096 |
| Core capital (leverage) ratio | 8.8132% | 4,870 |
| Tier 1 risk-based capital ratio | 11.6143% | 4,734 |
| Total risk-based capital ratio | 12.8003% | 4,654 |
| Memoranda: | ||
| Average total assets | $166,583,000 | 3,244 |
| Average earning assets | $153,050,000 | 3,254 |
| Average equity | $13,816,670 | 3,818 |
| Average total loans | $114,704,670 | 3,096 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,867 |
| Cost of funding earning assets | 0.6585% | 1,670 |
| Net interest margin | 3.8406% | 2,258 |
| Noninterest income to average assets | 0.5146% | 2,720 |
| Noninterest expense to average assets | 3.1818% | 1,605 |
| Loan and lease loss provision to assets | 0.1087% | 1,718 |
| Net operating income to assets | 0.6282% | 4,346 |
| Return on assets (ROA) | 0.6282% | 4,354 |
| Pretax return on assets | 0.7465% | 4,309 |
| Return on Equity (ROE) | 7.5614% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.5614% | 2,011 |
| Net charge-offs to loans | 0.0175% | 2,161 |
| Credit loss provision to net charge-offs | 900.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 70.8000% | 767 |
| Efficiency ratio | 78.8151% | 1,280 |
| Assets per employee ($millions) | 3.5425% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,434 |
| Loan loss allowance to noncurrent loans | 422.0930% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 3,272 |
| Noncurrent loans to loans | 0.2995% | 3,690 |
| Net loans and leases to total assets | 68.1213% | 2,756 |
| Net loans and leases to deposits | 77.2721% | 3,085 |
| Net loans and leases to core deposits | 86.8826% | 2,724 |
| Total domestic deposits to total assets | 88.1577% | 1,536 |
| Equity capital to assets | 8.2368% | 5,156 |
| Core capital (leverage) ratio | 8.9095% | 4,790 |
| Tier 1 risk-based capital ratio | 11.8419% | 4,657 |
| Total risk-based capital ratio | 13.0341% | 4,572 |
| Memoranda: | ||
| Average total assets | $165,565,000 | 3,302 |
| Average earning assets | $151,849,500 | 3,305 |
| Average equity | $13,754,000 | 3,864 |
| Average total loans | $114,356,500 | 3,132 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,753 |
| Cost of funding earning assets | 0.5590% | 1,887 |
| Net interest margin | 3.9277% | 1,999 |
| Noninterest income to average assets | 0.7323% | 1,837 |
| Noninterest expense to average assets | 3.4398% | 1,136 |
| Loan and lease loss provision to assets | 0.0693% | 2,815 |
| Net operating income to assets | 0.5359% | 4,275 |
| Return on assets (ROA) | 0.5817% | 4,131 |
| Pretax return on assets | 0.8748% | 3,991 |
| Return on Equity (ROE) | 6.7176% | 3,426 |
| Retained earnings to average equity (ytd only) | 4.6070% | 2,387 |
| Net charge-offs to loans | 0.1321% | 1,733 |
| Credit loss provision to net charge-offs | 75.8621% | 3,002 |
| Earnings coverage of net charge-offs (x) | 9.5724% | 2,768 |
| Efficiency ratio | 79.7254% | 1,133 |
| Assets per employee ($millions) | 3.5028% | 4,692 |
| Cash dividends to net income (ytd only)* | 31.4193% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,532 |
| Loan loss allowance to noncurrent loans | 383.6957% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 3,218 |
| Noncurrent loans to loans | 0.3233% | 3,610 |
| Net loans and leases to total assets | 68.2907% | 2,779 |
| Net loans and leases to deposits | 76.9751% | 3,233 |
| Net loans and leases to core deposits | 87.2584% | 2,793 |
| Total domestic deposits to total assets | 88.7179% | 1,135 |
| Equity capital to assets | 8.3786% | 5,209 |
| Core capital (leverage) ratio | 8.6641% | 4,982 |
| Tier 1 risk-based capital ratio | 11.7335% | 4,694 |
| Total risk-based capital ratio | 12.9034% | 4,637 |
| Memoranda: | ||
| Average total assets | $158,672,800 | 3,364 |
| Average earning assets | $144,715,000 | 3,387 |
| Average equity | $13,740,000 | 3,880 |
| Average total loans | $109,782,800 | 3,186 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 1,870 |
| Cost of funding earning assets | 0.5399% | 1,957 |
| Net interest margin | 3.8866% | 2,081 |
| Noninterest income to average assets | 0.7515% | 1,777 |
| Noninterest expense to average assets | 3.4634% | 1,049 |
| Loan and lease loss provision to assets | 0.0509% | 3,076 |
| Net operating income to assets | 0.5782% | 4,466 |
| Return on assets (ROA) | 0.6472% | 4,259 |
| Pretax return on assets | 0.8720% | 4,135 |
| Return on Equity (ROE) | 7.4113% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.4113% | 1,483 |
| Net charge-offs to loans | 0.1287% | 1,497 |
| Credit loss provision to net charge-offs | 57.1429% | 2,838 |
| Earnings coverage of net charge-offs (x) | 9.3141% | 2,706 |
| Efficiency ratio | 80.6758% | 1,027 |
| Assets per employee ($millions) | 3.5590% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,603 |
| Loan loss allowance to noncurrent loans | 287.8850% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 3,190 |
| Noncurrent loans to loans | 0.4366% | 3,398 |
| Net loans and leases to total assets | 68.7673% | 2,729 |
| Net loans and leases to deposits | 79.2663% | 3,037 |
| Net loans and leases to core deposits | 91.3475% | 2,506 |
| Total domestic deposits to total assets | 86.7548% | 1,974 |
| Equity capital to assets | 8.8539% | 5,028 |
| Core capital (leverage) ratio | 8.9482% | 4,801 |
| Tier 1 risk-based capital ratio | 12.0853% | 4,552 |
| Total risk-based capital ratio | 13.2758% | 4,488 |
| Memoranda: | ||
| Average total assets | $157,182,750 | 3,413 |
| Average earning assets | $143,225,250 | 3,436 |
| Average equity | $13,726,500 | 3,920 |
| Average total loans | $108,768,250 | 3,227 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 1,976 |
| Cost of funding earning assets | 0.5027% | 2,144 |
| Net interest margin | 3.8471% | 2,107 |
| Noninterest income to average assets | 0.7568% | 1,741 |
| Noninterest expense to average assets | 3.5418% | 948 |
| Loan and lease loss provision to assets | 0.0768% | 2,445 |
| Net operating income to assets | 0.4902% | 4,731 |
| Return on assets (ROA) | 0.5788% | 4,452 |
| Pretax return on assets | 0.7632% | 4,394 |
| Return on Equity (ROE) | 6.6591% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.6591% | 1,766 |
| Net charge-offs to loans | 0.1836% | 1,083 |
| Credit loss provision to net charge-offs | 60.6061% | 2,460 |
| Earnings coverage of net charge-offs (x) | 5.7071% | 2,795 |
| Efficiency ratio | 83.0381% | 918 |
| Assets per employee ($millions) | 3.5429% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,425 |
| Loan loss allowance to noncurrent loans | 475.6757% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 2,322 |
| Noncurrent loans to loans | 0.2728% | 4,066 |
| Net loans and leases to total assets | 67.1864% | 2,923 |
| Net loans and leases to deposits | 78.1179% | 3,109 |
| Net loans and leases to core deposits | 89.0622% | 2,608 |
| Total domestic deposits to total assets | 86.0065% | 2,375 |
| Equity capital to assets | 8.7436% | 5,107 |
| Core capital (leverage) ratio | 8.9294% | 4,803 |
| Tier 1 risk-based capital ratio | 11.9283% | 4,680 |
| Total risk-based capital ratio | 13.1347% | 4,602 |
| Memoranda: | ||
| Average total assets | $156,191,670 | 3,439 |
| Average earning assets | $142,443,330 | 3,458 |
| Average equity | $13,575,330 | 3,953 |
| Average total loans | $107,845,330 | 3,253 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 2,111 |
| Cost of funding earning assets | 0.4856% | 2,205 |
| Net interest margin | 3.7597% | 2,260 |
| Noninterest income to average assets | 0.7453% | 1,761 |
| Noninterest expense to average assets | 3.4521% | 1,112 |
| Loan and lease loss provision to assets | 0.0776% | 2,259 |
| Net operating income to assets | 0.4994% | 4,600 |
| Return on assets (ROA) | 0.4994% | 4,625 |
| Pretax return on assets | 0.6418% | 4,621 |
| Return on Equity (ROE) | 5.7642% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.7642% | 2,464 |
| Net charge-offs to loans | 0.3200% | 580 |
| Credit loss provision to net charge-offs | 34.8837% | 2,087 |
| Earnings coverage of net charge-offs (x) | 3.2326% | 2,501 |
| Efficiency ratio | 82.7543% | 1,091 |
| Assets per employee ($millions) | 3.4189% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,596 |
| Loan loss allowance to noncurrent loans | 390.7303% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 1,999 |
| Noncurrent loans to loans | 0.3296% | 3,933 |
| Net loans and leases to total assets | 69.3088% | 2,490 |
| Net loans and leases to deposits | 77.8951% | 2,982 |
| Net loans and leases to core deposits | 86.6547% | 2,668 |
| Total domestic deposits to total assets | 88.9771% | 1,149 |
| Equity capital to assets | 8.7994% | 4,999 |
| Core capital (leverage) ratio | 8.9161% | 4,828 |
| Tier 1 risk-based capital ratio | 11.9770% | 4,731 |
| Total risk-based capital ratio | 13.1966% | 4,655 |
| Memoranda: | ||
| Average total assets | $154,572,000 | 3,500 |
| Average earning assets | $140,861,000 | 3,514 |
| Average equity | $13,393,000 | 4,004 |
| Average total loans | $107,506,000 | 3,283 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,249 |
| Cost of funding earning assets | 0.4898% | 2,163 |
| Net interest margin | 3.7792% | 2,395 |
| Noninterest income to average assets | 0.7818% | 1,821 |
| Noninterest expense to average assets | 3.4671% | 1,221 |
| Loan and lease loss provision to assets | 0.0390% | 3,597 |
| Net operating income to assets | 0.5432% | 4,461 |
| Return on assets (ROA) | 0.5634% | 4,473 |
| Pretax return on assets | 0.7370% | 4,376 |
| Return on Equity (ROE) | 6.4736% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.5323% | 2,678 |
| Net charge-offs to loans | 0.0777% | 2,575 |
| Credit loss provision to net charge-offs | 73.1707% | 3,080 |
| Earnings coverage of net charge-offs (x) | 14.0610% | 2,319 |
| Efficiency ratio | 82.2287% | 1,181 |
| Assets per employee ($millions) | 3.2353% | 5,116 |
| Cash dividends to net income (ytd only)* | 29.9885% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,289 |
| Loan loss allowance to noncurrent loans | 388.9785% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 2,294 |
| Noncurrent loans to loans | 0.3477% | 3,886 |
| Net loans and leases to total assets | 67.9629% | 2,772 |
| Net loans and leases to deposits | 77.2820% | 3,176 |
| Net loans and leases to core deposits | 86.6881% | 2,790 |
| Total domestic deposits to total assets | 87.9414% | 1,657 |
| Equity capital to assets | 8.5310% | 5,249 |
| Core capital (leverage) ratio | 8.7231% | 5,051 |
| Tier 1 risk-based capital ratio | 11.7869% | 4,873 |
| Total risk-based capital ratio | 13.0376% | 4,768 |
| Memoranda: | ||
| Average total assets | $153,875,200 | 3,459 |
| Average earning assets | $139,844,200 | 3,496 |
| Average equity | $13,392,800 | 4,044 |
| Average total loans | $105,520,600 | 3,281 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,219 |
| Cost of funding earning assets | 0.4733% | 2,335 |
| Net interest margin | 3.8086% | 2,299 |
| Noninterest income to average assets | 0.7947% | 1,785 |
| Noninterest expense to average assets | 3.5121% | 1,130 |
| Loan and lease loss provision to assets | 0.0521% | 3,212 |
| Net operating income to assets | 0.5214% | 4,611 |
| Return on assets (ROA) | 0.5471% | 4,615 |
| Pretax return on assets | 0.7234% | 4,545 |
| Return on Equity (ROE) | 6.2550% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.2550% | 2,032 |
| Net charge-offs to loans | 0.0571% | 2,544 |
| Credit loss provision to net charge-offs | 133.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 18.9773% | 1,966 |
| Efficiency ratio | 82.5643% | 1,117 |
| Assets per employee ($millions) | 3.2892% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 2,257 |
| Loan loss allowance to noncurrent loans | 174.7939% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 2,187 |
| Noncurrent loans to loans | 0.7936% | 2,687 |
| Net loans and leases to total assets | 66.8197% | 2,987 |
| Net loans and leases to deposits | 77.8139% | 3,206 |
| Net loans and leases to core deposits | 89.3134% | 2,641 |
| Total domestic deposits to total assets | 85.8712% | 2,423 |
| Equity capital to assets | 8.7578% | 5,356 |
| Core capital (leverage) ratio | 8.8362% | 5,016 |
| Tier 1 risk-based capital ratio | 11.7815% | 4,930 |
| Total risk-based capital ratio | 13.0320% | 4,826 |
| Memoranda: | ||
| Average total assets | $153,521,000 | 3,482 |
| Average earning assets | $139,436,000 | 3,521 |
| Average equity | $13,429,000 | 4,067 |
| Average total loans | $105,153,750 | 3,302 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 2,229 |
| Cost of funding earning assets | 0.4674% | 2,404 |
| Net interest margin | 3.8097% | 2,275 |
| Noninterest income to average assets | 0.8338% | 1,604 |
| Noninterest expense to average assets | 3.5484% | 1,085 |
| Loan and lease loss provision to assets | 0.0592% | 2,957 |
| Net operating income to assets | 0.5205% | 4,599 |
| Return on assets (ROA) | 0.5590% | 4,561 |
| Pretax return on assets | 0.7405% | 4,492 |
| Return on Equity (ROE) | 6.3927% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.3927% | 1,921 |
| Net charge-offs to loans | 0.0268% | 2,942 |
| Credit loss provision to net charge-offs | 321.4286% | 916 |
| Earnings coverage of net charge-offs (x) | 40.6429% | 1,146 |
| Efficiency ratio | 82.5834% | 1,205 |
| Assets per employee ($millions) | 3.3102% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 2,236 |
| Loan loss allowance to noncurrent loans | 179.6407% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 2,137 |
| Noncurrent loans to loans | 0.7862% | 2,785 |
| Net loans and leases to total assets | 68.7621% | 2,668 |
| Net loans and leases to deposits | 79.3880% | 3,014 |
| Net loans and leases to core deposits | 90.7770% | 2,458 |
| Total domestic deposits to total assets | 86.6152% | 2,105 |
| Equity capital to assets | 8.9427% | 5,282 |
| Core capital (leverage) ratio | 8.8081% | 5,048 |
| Tier 1 risk-based capital ratio | 11.5633% | 5,110 |
| Total risk-based capital ratio | 12.8140% | 5,007 |
| Memoranda: | ||
| Average total assets | $152,067,000 | 3,528 |
| Average earning assets | $138,225,000 | 3,560 |
| Average equity | $13,296,330 | 4,108 |
| Average total loans | $104,544,670 | 3,331 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,195 |
| Cost of funding earning assets | 0.4680% | 2,389 |
| Net interest margin | 3.8135% | 2,242 |
| Noninterest income to average assets | 0.6186% | 2,423 |
| Noninterest expense to average assets | 3.4271% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4948% | 4,649 |
| Return on assets (ROA) | 0.4948% | 4,745 |
| Pretax return on assets | 0.6449% | 4,689 |
| Return on Equity (ROE) | 5.7247% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.7247% | 2,511 |
| Net charge-offs to loans | 0.0386% | 2,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,327 |
| Efficiency ratio | 84.1629% | 1,144 |
| Assets per employee ($millions) | 3.3988% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,263 |
| Loan loss allowance to noncurrent loans | 163.0168% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 1,985 |
| Noncurrent loans to loans | 0.8807% | 2,646 |
| Net loans and leases to total assets | 66.9767% | 2,810 |
| Net loans and leases to deposits | 77.0102% | 3,106 |
| Net loans and leases to core deposits | 87.2437% | 2,635 |
| Total domestic deposits to total assets | 86.9712% | 2,225 |
| Equity capital to assets | 8.9070% | 5,257 |
| Core capital (leverage) ratio | 8.6670% | 5,213 |
| Tier 1 risk-based capital ratio | 11.9191% | 4,965 |
| Total risk-based capital ratio | 13.1704% | 4,875 |
| Memoranda: | ||
| Average total assets | $151,965,500 | 3,557 |
| Average earning assets | $137,616,500 | 3,588 |
| Average equity | $13,136,000 | 4,147 |
| Average total loans | $103,715,000 | 3,362 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,263 |
| Cost of funding earning assets | 0.4326% | 2,822 |
| Net interest margin | 3.8522% | 2,194 |
| Noninterest income to average assets | 0.7572% | 1,948 |
| Noninterest expense to average assets | 3.5308% | 1,245 |
| Loan and lease loss provision to assets | 0.0540% | 3,235 |
| Net operating income to assets | 0.5188% | 4,623 |
| Return on assets (ROA) | 0.5573% | 4,562 |
| Pretax return on assets | 0.7295% | 4,439 |
| Return on Equity (ROE) | 6.5114% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.7222% | 1,945 |
| Net charge-offs to loans | 0.0578% | 3,063 |
| Credit loss provision to net charge-offs | 137.9310% | 1,899 |
| Earnings coverage of net charge-offs (x) | 18.7069% | 1,994 |
| Efficiency ratio | 82.8105% | 1,294 |
| Assets per employee ($millions) | 3.5088% | 4,822 |
| Cash dividends to net income (ytd only)* | 12.1212% | 4,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,484 |
| Loan loss allowance to noncurrent loans | 79.0210% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 1,517 |
| Noncurrent loans to loans | 1.7569% | 1,273 |
| Net loans and leases to total assets | 67.5849% | 2,774 |
| Net loans and leases to deposits | 77.9205% | 3,061 |
| Net loans and leases to core deposits | 87.9305% | 2,610 |
| Total domestic deposits to total assets | 86.7358% | 2,258 |
| Equity capital to assets | 8.3894% | 5,638 |
| Core capital (leverage) ratio | 8.4997% | 5,436 |
| Tier 1 risk-based capital ratio | 11.3037% | 5,375 |
| Total risk-based capital ratio | 12.5544% | 5,266 |
| Memoranda: | ||
| Average total assets | $148,041,600 | 3,602 |
| Average earning assets | $134,754,000 | 3,613 |
| Average equity | $12,670,000 | 4,195 |
| Average total loans | $100,431,400 | 3,379 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 2,480 |
| Cost of funding earning assets | 0.4305% | 2,902 |
| Net interest margin | 3.8006% | 2,383 |
| Noninterest income to average assets | 0.7929% | 1,826 |
| Noninterest expense to average assets | 3.5514% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5314% | 4,670 |
| Return on assets (ROA) | 0.5826% | 4,562 |
| Pretax return on assets | 0.7738% | 4,409 |
| Return on Equity (ROE) | 6.7726% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.7726% | 1,800 |
| Net charge-offs to loans | 0.0027% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 387.0075% | 198 |
| Efficiency ratio | 83.4260% | 1,226 |
| Assets per employee ($millions) | 3.2162% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 2,586 |
| Loan loss allowance to noncurrent loans | 76.2936% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 1,803 |
| Noncurrent loans to loans | 1.8374% | 1,281 |
| Net loans and leases to total assets | 67.2369% | 2,814 |
| Net loans and leases to deposits | 79.4683% | 2,938 |
| Net loans and leases to core deposits | 90.7351% | 2,382 |
| Total domestic deposits to total assets | 84.6085% | 3,171 |
| Equity capital to assets | 8.5511% | 5,677 |
| Core capital (leverage) ratio | 8.6059% | 5,457 |
| Tier 1 risk-based capital ratio | 11.5437% | 5,349 |
| Total risk-based capital ratio | 12.7942% | 5,274 |
| Memoranda: | ||
| Average total assets | $146,455,750 | 3,652 |
| Average earning assets | $133,485,250 | 3,671 |
| Average equity | $12,599,500 | 4,251 |
| Average total loans | $99,086,750 | 3,432 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 2,501 |
| Cost of funding earning assets | 0.4266% | 2,969 |
| Net interest margin | 3.7862% | 2,376 |
| Noninterest income to average assets | 0.7965% | 1,795 |
| Noninterest expense to average assets | 3.5780% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4994% | 4,768 |
| Return on assets (ROA) | 0.5770% | 4,540 |
| Pretax return on assets | 0.7647% | 4,440 |
| Return on Equity (ROE) | 6.6930% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.6930% | 1,851 |
| Net charge-offs to loans | -0.0225% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4025% | 1,220 |
| Assets per employee ($millions) | 3.0861% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 2,478 |
| Loan loss allowance to noncurrent loans | 86.8374% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1913% | 2,125 |
| Noncurrent loans to loans | 1.6762% | 1,552 |
| Net loans and leases to total assets | 68.0513% | 2,635 |
| Net loans and leases to deposits | 82.2689% | 2,522 |
| Net loans and leases to core deposits | 90.7843% | 2,264 |
| Total domestic deposits to total assets | 82.7181% | 4,058 |
| Equity capital to assets | 8.6682% | 5,549 |
| Core capital (leverage) ratio | 8.8090% | 5,218 |
| Tier 1 risk-based capital ratio | 11.6952% | 5,346 |
| Total risk-based capital ratio | 12.9463% | 5,255 |
| Memoranda: | ||
| Average total assets | $144,887,330 | 3,710 |
| Average earning assets | $131,740,670 | 3,729 |
| Average equity | $12,490,670 | 4,290 |
| Average total loans | $97,755,330 | 3,477 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 2,569 |
| Cost of funding earning assets | 0.4227% | 3,035 |
| Net interest margin | 3.7468% | 2,443 |
| Noninterest income to average assets | 0.7652% | 1,842 |
| Noninterest expense to average assets | 3.5054% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4972% | 4,696 |
| Return on assets (ROA) | 0.5801% | 4,467 |
| Pretax return on assets | 0.7734% | 4,334 |
| Return on Equity (ROE) | 6.7473% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.7473% | 2,126 |
| Net charge-offs to loans | -0.0290% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0954% | 1,373 |
| Assets per employee ($millions) | 3.2061% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 2,388 |
| Loan loss allowance to noncurrent loans | 84.1435% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 2,185 |
| Noncurrent loans to loans | 1.8016% | 1,507 |
| Net loans and leases to total assets | 66.9611% | 2,611 |
| Net loans and leases to deposits | 79.5108% | 2,618 |
| Net loans and leases to core deposits | 87.9944% | 2,333 |
| Total domestic deposits to total assets | 84.2163% | 3,729 |
| Equity capital to assets | 8.9367% | 5,365 |
| Core capital (leverage) ratio | 8.6720% | 5,351 |
| Tier 1 risk-based capital ratio | 11.6493% | 5,471 |
| Total risk-based capital ratio | 12.9004% | 5,373 |
| Memoranda: | ||
| Average total assets | $144,807,000 | 3,734 |
| Average earning assets | $131,525,500 | 3,754 |
| Average equity | $12,449,500 | 4,331 |
| Average total loans | $96,550,500 | 3,512 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,103 |
| Cost of funding earning assets | 0.4803% | 2,878 |
| Net interest margin | 3.6751% | 3,104 |
| Noninterest income to average assets | 0.6258% | 2,706 |
| Noninterest expense to average assets | 3.3596% | 1,781 |
| Loan and lease loss provision to assets | 0.0402% | 3,770 |
| Net operating income to assets | 0.4317% | 5,100 |
| Return on assets (ROA) | 0.4371% | 5,173 |
| Pretax return on assets | 0.5620% | 5,067 |
| Return on Equity (ROE) | 5.2272% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.1529% | 3,992 |
| Net charge-offs to loans | 0.1546% | 2,489 |
| Credit loss provision to net charge-offs | 39.7260% | 3,679 |
| Earnings coverage of net charge-offs (x) | 5.8767% | 3,332 |
| Efficiency ratio | 84.9474% | 1,292 |
| Assets per employee ($millions) | 3.2292% | 5,391 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 2,529 |
| Loan loss allowance to noncurrent loans | 99.2455% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0886% | 2,573 |
| Noncurrent loans to loans | 1.5002% | 1,951 |
| Net loans and leases to total assets | 64.4509% | 3,152 |
| Net loans and leases to deposits | 72.8023% | 3,583 |
| Net loans and leases to core deposits | 80.2599% | 3,266 |
| Total domestic deposits to total assets | 88.5287% | 1,508 |
| Equity capital to assets | 8.2750% | 5,912 |
| Core capital (leverage) ratio | 8.4110% | 5,651 |
| Tier 1 risk-based capital ratio | 11.0026% | 5,908 |
| Total risk-based capital ratio | 12.2538% | 5,844 |
| Memoranda: | ||
| Average total assets | $144,125,000 | 3,723 |
| Average earning assets | $130,554,000 | 3,755 |
| Average equity | $12,052,400 | 4,349 |
| Average total loans | $94,430,200 | 3,541 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 3,053 |
| Cost of funding earning assets | 0.4927% | 2,842 |
| Net interest margin | 3.6903% | 3,067 |
| Noninterest income to average assets | 0.6255% | 2,712 |
| Noninterest expense to average assets | 3.4801% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3906% | 5,282 |
| Return on assets (ROA) | 0.3981% | 5,332 |
| Pretax return on assets | 0.4997% | 5,328 |
| Return on Equity (ROE) | 4.7473% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.7473% | 3,245 |
| Net charge-offs to loans | 0.0981% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.6230% | 2,908 |
| Efficiency ratio | 87.6497% | 1,035 |
| Assets per employee ($millions) | 3.2657% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 2,572 |
| Loan loss allowance to noncurrent loans | 105.1650% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 3,029 |
| Noncurrent loans to loans | 1.4573% | 2,234 |
| Net loans and leases to total assets | 65.5518% | 2,944 |
| Net loans and leases to deposits | 77.8356% | 2,970 |
| Net loans and leases to core deposits | 87.2011% | 2,515 |
| Total domestic deposits to total assets | 84.2182% | 3,676 |
| Equity capital to assets | 8.5586% | 5,754 |
| Core capital (leverage) ratio | 8.4472% | 5,712 |
| Tier 1 risk-based capital ratio | 11.4017% | 5,834 |
| Total risk-based capital ratio | 12.6531% | 5,768 |
| Memoranda: | ||
| Average total assets | $143,020,250 | 3,774 |
| Average earning assets | $129,632,500 | 3,794 |
| Average equity | $11,992,500 | 4,389 |
| Average total loans | $93,741,500 | 3,590 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 3,199 |
| Cost of funding earning assets | 0.5012% | 2,822 |
| Net interest margin | 3.6353% | 3,208 |
| Noninterest income to average assets | 0.6065% | 2,785 |
| Noninterest expense to average assets | 3.4903% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3375% | 5,441 |
| Return on assets (ROA) | 0.3375% | 5,513 |
| Pretax return on assets | 0.4076% | 5,540 |
| Return on Equity (ROE) | 4.0536% | 5,123 |
| Retained earnings to average equity (ytd only) | 4.0536% | 3,598 |
| Net charge-offs to loans | 0.1203% | 2,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.1964% | 2,969 |
| Efficiency ratio | 89.5437% | 953 |
| Assets per employee ($millions) | 3.1750% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 2,645 |
| Loan loss allowance to noncurrent loans | 107.8775% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 3,141 |
| Noncurrent loans to loans | 1.4415% | 2,394 |
| Net loans and leases to total assets | 65.5330% | 2,828 |
| Net loans and leases to deposits | 78.5363% | 2,729 |
| Net loans and leases to core deposits | 88.7716% | 2,234 |
| Total domestic deposits to total assets | 83.4430% | 4,133 |
| Equity capital to assets | 8.4941% | 5,807 |
| Core capital (leverage) ratio | 8.4420% | 5,701 |
| Tier 1 risk-based capital ratio | 11.3099% | 5,900 |
| Total risk-based capital ratio | 12.5614% | 5,844 |
| Memoranda: | ||
| Average total assets | $142,796,670 | 3,802 |
| Average earning assets | $129,289,000 | 3,823 |
| Average equity | $11,890,670 | 4,420 |
| Average total loans | $93,102,670 | 3,617 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,361 |
| Cost of funding earning assets | 0.5217% | 2,696 |
| Net interest margin | 3.5588% | 3,441 |
| Noninterest income to average assets | 0.5072% | 3,355 |
| Noninterest expense to average assets | 3.4716% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2326% | 5,714 |
| Return on assets (ROA) | 0.2326% | 5,761 |
| Pretax return on assets | 0.2466% | 5,839 |
| Return on Equity (ROE) | 2.8212% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.8212% | 4,398 |
| Net charge-offs to loans | 0.1607% | 1,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.3784% | 2,892 |
| Efficiency ratio | 93.3685% | 789 |
| Assets per employee ($millions) | 3.2331% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,539 |
| Loan loss allowance to noncurrent loans | 116.4852% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 3,416 |
| Noncurrent loans to loans | 1.4102% | 2,672 |
| Net loans and leases to total assets | 64.5159% | 2,808 |
| Net loans and leases to deposits | 75.6741% | 2,845 |
| Net loans and leases to core deposits | 83.9923% | 2,516 |
| Total domestic deposits to total assets | 85.2550% | 3,743 |
| Equity capital to assets | 8.5266% | 5,629 |
| Core capital (leverage) ratio | 8.4723% | 5,676 |
| Tier 1 risk-based capital ratio | 11.5637% | 5,879 |
| Total risk-based capital ratio | 12.8164% | 5,826 |
| Memoranda: | ||
| Average total assets | $142,757,000 | 3,830 |
| Average earning assets | $128,807,500 | 3,870 |
| Average equity | $11,768,000 | 4,456 |
| Average total loans | $92,099,000 | 3,659 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 3,604 |
| Cost of funding earning assets | 0.5407% | 3,190 |
| Net interest margin | 3.5934% | 3,490 |
| Noninterest income to average assets | 0.7687% | 2,225 |
| Noninterest expense to average assets | 3.5095% | 1,626 |
| Loan and lease loss provision to assets | 0.0851% | 3,410 |
| Net operating income to assets | 0.3315% | 5,407 |
| Return on assets (ROA) | 0.3702% | 5,372 |
| Pretax return on assets | 0.4702% | 5,294 |
| Return on Equity (ROE) | 4.4297% | 4,920 |
| Retained earnings to average equity (ytd only) | 2.9022% | 4,180 |
| Net charge-offs to loans | -0.0317% | 6,238 |
| Credit loss provision to net charge-offs | -428.5714% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3918% | 1,283 |
| Assets per employee ($millions) | 3.4068% | 5,068 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 2,563 |
| Loan loss allowance to noncurrent loans | 138.0396% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 3,985 |
| Noncurrent loans to loans | 1.1956% | 3,152 |
| Net loans and leases to total assets | 62.4427% | 3,307 |
| Net loans and leases to deposits | 71.5018% | 3,587 |
| Net loans and leases to core deposits | 78.5419% | 3,294 |
| Total domestic deposits to total assets | 87.3303% | 2,562 |
| Equity capital to assets | 7.9746% | 6,037 |
| Core capital (leverage) ratio | 8.1185% | 6,041 |
| Tier 1 risk-based capital ratio | 11.2343% | 6,058 |
| Total risk-based capital ratio | 12.4873% | 6,003 |
| Memoranda: | ||
| Average total assets | $141,017,200 | 3,858 |
| Average earning assets | $127,429,200 | 3,896 |
| Average equity | $11,784,000 | 4,488 |
| Average total loans | $88,402,200 | 3,726 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,745 |
| Cost of funding earning assets | 0.5578% | 3,182 |
| Net interest margin | 3.5458% | 3,682 |
| Noninterest income to average assets | 0.7972% | 2,164 |
| Noninterest expense to average assets | 3.5813% | 1,434 |
| Loan and lease loss provision to assets | 0.1050% | 3,004 |
| Net operating income to assets | 0.2636% | 5,742 |
| Return on assets (ROA) | 0.3160% | 5,675 |
| Pretax return on assets | 0.3857% | 5,663 |
| Return on Equity (ROE) | 3.7370% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.7370% | 4,033 |
| Net charge-offs to loans | 0.0107% | 4,933 |
| Credit loss provision to net charge-offs | 1,571.4286% | 203 |
| Earnings coverage of net charge-offs (x) | 63.8789% | 715 |
| Efficiency ratio | 89.3521% | 1,047 |
| Assets per employee ($millions) | 3.1959% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 2,891 |
| Loan loss allowance to noncurrent loans | 114.7920% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 3,824 |
| Noncurrent loans to loans | 1.4183% | 3,043 |
| Net loans and leases to total assets | 64.0243% | 2,998 |
| Net loans and leases to deposits | 75.2868% | 3,051 |
| Net loans and leases to core deposits | 82.2449% | 2,852 |
| Total domestic deposits to total assets | 85.0405% | 3,731 |
| Equity capital to assets | 8.3324% | 5,889 |
| Core capital (leverage) ratio | 8.4777% | 5,791 |
| Tier 1 risk-based capital ratio | 11.4298% | 6,088 |
| Total risk-based capital ratio | 12.6821% | 6,051 |
| Memoranda: | ||
| Average total assets | $139,648,750 | 3,922 |
| Average earning assets | $126,455,000 | 3,951 |
| Average equity | $11,809,500 | 4,535 |
| Average total loans | $87,250,750 | 3,780 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,861 |
| Cost of funding earning assets | 0.5612% | 3,295 |
| Net interest margin | 3.5034% | 3,771 |
| Noninterest income to average assets | 0.8326% | 2,054 |
| Noninterest expense to average assets | 3.5227% | 1,554 |
| Loan and lease loss provision to assets | 0.2297% | 1,630 |
| Net operating income to assets | 0.2099% | 5,861 |
| Return on assets (ROA) | 0.2885% | 5,779 |
| Pretax return on assets | 0.3474% | 5,754 |
| Return on Equity (ROE) | 3.3952% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.3952% | 4,158 |
| Net charge-offs to loans | 0.0559% | 3,898 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,857 |
| Efficiency ratio | 87.9570% | 1,224 |
| Assets per employee ($millions) | 3.0944% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 2,759 |
| Loan loss allowance to noncurrent loans | 102.3522% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 3,607 |
| Noncurrent loans to loans | 1.6673% | 2,814 |
| Net loans and leases to total assets | 62.9967% | 3,100 |
| Net loans and leases to deposits | 74.4623% | 3,080 |
| Net loans and leases to core deposits | 79.0778% | 3,155 |
| Total domestic deposits to total assets | 84.6022% | 4,085 |
| Equity capital to assets | 8.3126% | 5,960 |
| Core capital (leverage) ratio | 8.4910% | 5,683 |
| Tier 1 risk-based capital ratio | 11.4858% | 6,118 |
| Total risk-based capital ratio | 12.7389% | 6,082 |
| Memoranda: | ||
| Average total assets | $139,325,000 | 3,963 |
| Average earning assets | $126,163,330 | 3,985 |
| Average equity | $11,840,330 | 4,567 |
| Average total loans | $85,827,330 | 3,827 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 4,205 |
| Cost of funding earning assets | 0.5666% | 3,410 |
| Net interest margin | 3.4121% | 4,074 |
| Noninterest income to average assets | 0.8352% | 1,979 |
| Noninterest expense to average assets | 3.5016% | 1,618 |
| Loan and lease loss provision to assets | 0.2583% | 1,379 |
| Net operating income to assets | 0.1364% | 6,079 |
| Return on assets (ROA) | 0.2899% | 5,722 |
| Pretax return on assets | 0.3588% | 5,687 |
| Return on Equity (ROE) | 3.3743% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.3743% | 4,229 |
| Net charge-offs to loans | 0.1284% | 2,640 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 5.5185% | 2,358 |
| Efficiency ratio | 89.1161% | 1,222 |
| Assets per employee ($millions) | 3.1371% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 3,023 |
| Loan loss allowance to noncurrent loans | 108.6142% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 3,997 |
| Noncurrent loans to loans | 1.5624% | 3,199 |
| Net loans and leases to total assets | 60.8499% | 3,276 |
| Net loans and leases to deposits | 70.5835% | 3,377 |
| Net loans and leases to core deposits | 75.1118% | 3,452 |
| Total domestic deposits to total assets | 86.2098% | 3,408 |
| Equity capital to assets | 8.6842% | 5,826 |
| Core capital (leverage) ratio | 8.4161% | 5,686 |
| Tier 1 risk-based capital ratio | 11.9363% | 5,953 |
| Total risk-based capital ratio | 13.1894% | 5,917 |
| Memoranda: | ||
| Average total assets | $139,364,000 | 4,001 |
| Average earning assets | $126,375,500 | 4,011 |
| Average equity | $11,973,000 | 4,583 |
| Average total loans | $84,119,000 | 3,899 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 4,115 |
| Cost of funding earning assets | 0.7413% | 3,148 |
| Net interest margin | 3.5814% | 4,175 |
| Noninterest income to average assets | 0.9362% | 1,759 |
| Noninterest expense to average assets | 3.6231% | 1,557 |
| Loan and lease loss provision to assets | 0.2566% | 2,596 |
| Net operating income to assets | 0.2421% | 5,658 |
| Return on assets (ROA) | 0.3394% | 5,553 |
| Pretax return on assets | 0.4259% | 5,500 |
| Return on Equity (ROE) | 3.8889% | 5,188 |
| Retained earnings to average equity (ytd only) | 0.4452% | 5,631 |
| Net charge-offs to loans | 0.2630% | 3,360 |
| Credit loss provision to net charge-offs | 169.0821% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.6957% | 3,631 |
| Efficiency ratio | 86.5954% | 1,368 |
| Assets per employee ($millions) | 3.1976% | 5,623 |
| Cash dividends to net income (ytd only)* | 88.5529% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 3,019 |
| Loan loss allowance to noncurrent loans | 97.9534% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 3,919 |
| Noncurrent loans to loans | 1.7115% | 3,046 |
| Net loans and leases to total assets | 57.8606% | 4,004 |
| Net loans and leases to deposits | 66.4536% | 4,216 |
| Net loans and leases to core deposits | 70.5904% | 4,219 |
| Total domestic deposits to total assets | 87.0692% | 2,805 |
| Equity capital to assets | 8.4999% | 6,055 |
| Core capital (leverage) ratio | 8.0388% | 6,156 |
| Tier 1 risk-based capital ratio | 11.9478% | 5,826 |
| Total risk-based capital ratio | 13.2008% | 5,775 |
| Memoranda: | ||
| Average total assets | $136,403,000 | 4,015 |
| Average earning assets | $123,694,000 | 4,028 |
| Average equity | $11,905,600 | 4,587 |
| Average total loans | $78,709,800 | 4,075 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 4,107 |
| Cost of funding earning assets | 0.7749% | 3,150 |
| Net interest margin | 3.6108% | 4,191 |
| Noninterest income to average assets | 0.9911% | 1,529 |
| Noninterest expense to average assets | 3.7153% | 1,343 |
| Loan and lease loss provision to assets | 0.2217% | 2,845 |
| Net operating income to assets | 0.2577% | 5,762 |
| Return on assets (ROA) | 0.3852% | 5,519 |
| Pretax return on assets | 0.4956% | 5,479 |
| Return on Equity (ROE) | 4.3837% | 5,111 |
| Retained earnings to average equity (ytd only) | 1.1323% | 5,718 |
| Net charge-offs to loans | 0.2420% | 3,268 |
| Credit loss provision to net charge-offs | 159.5745% | 1,753 |
| Earnings coverage of net charge-offs (x) | 3.9857% | 3,437 |
| Efficiency ratio | 87.0298% | 1,303 |
| Assets per employee ($millions) | 3.1401% | 5,764 |
| Cash dividends to net income (ytd only)* | 74.1694% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 3,476 |
| Loan loss allowance to noncurrent loans | 97.7189% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 4,297 |
| Noncurrent loans to loans | 1.6485% | 3,318 |
| Net loans and leases to total assets | 57.4021% | 4,217 |
| Net loans and leases to deposits | 68.8428% | 4,053 |
| Net loans and leases to core deposits | 74.4967% | 3,910 |
| Total domestic deposits to total assets | 83.3813% | 4,490 |
| Equity capital to assets | 8.5821% | 6,187 |
| Core capital (leverage) ratio | 8.4426% | 5,829 |
| Tier 1 risk-based capital ratio | 11.8328% | 6,040 |
| Total risk-based capital ratio | 13.0840% | 6,019 |
| Memoranda: | ||
| Average total assets | $135,330,000 | 4,073 |
| Average earning assets | $122,850,250 | 4,081 |
| Average equity | $11,892,250 | 4,634 |
| Average total loans | $77,688,500 | 4,146 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 4,084 |
| Cost of funding earning assets | 0.7944% | 3,233 |
| Net interest margin | 3.6311% | 4,134 |
| Noninterest income to average assets | 0.9915% | 1,490 |
| Noninterest expense to average assets | 3.7589% | 1,277 |
| Loan and lease loss provision to assets | 0.2250% | 2,830 |
| Net operating income to assets | 0.2398% | 5,795 |
| Return on assets (ROA) | 0.4290% | 5,343 |
| Pretax return on assets | 0.5610% | 5,274 |
| Return on Equity (ROE) | 4.8417% | 4,876 |
| Retained earnings to average equity (ytd only) | -0.0677% | 6,051 |
| Net charge-offs to loans | 0.3259% | 2,729 |
| Credit loss provision to net charge-offs | 120.9677% | 2,268 |
| Earnings coverage of net charge-offs (x) | 2.8871% | 3,585 |
| Efficiency ratio | 87.5000% | 1,283 |
| Assets per employee ($millions) | 3.0342% | 5,996 |
| Cash dividends to net income (ytd only)* | 101.3986% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,553 |
| Loan loss allowance to noncurrent loans | 110.9170% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 4,550 |
| Noncurrent loans to loans | 1.4551% | 3,728 |
| Net loans and leases to total assets | 57.9892% | 4,161 |
| Net loans and leases to deposits | 69.2410% | 4,004 |
| Net loans and leases to core deposits | 74.8067% | 3,918 |
| Total domestic deposits to total assets | 83.7498% | 4,420 |
| Equity capital to assets | 8.9052% | 5,802 |
| Core capital (leverage) ratio | 8.5624% | 5,569 |
| Tier 1 risk-based capital ratio | 12.4732% | 5,584 |
| Total risk-based capital ratio | 13.7248% | 5,570 |
| Memoranda: | ||
| Average total assets | $133,338,330 | 4,134 |
| Average earning assets | $121,342,000 | 4,143 |
| Average equity | $11,814,000 | 4,650 |
| Average total loans | $76,104,670 | 4,217 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 4,486 |
| Cost of funding earning assets | 0.8077% | 3,411 |
| Net interest margin | 3.5505% | 4,485 |
| Noninterest income to average assets | 0.8945% | 1,768 |
| Noninterest expense to average assets | 3.5841% | 1,595 |
| Loan and lease loss provision to assets | 0.2251% | 2,697 |
| Net operating income to assets | 0.2434% | 5,844 |
| Return on assets (ROA) | 0.4052% | 5,415 |
| Pretax return on assets | 0.5283% | 5,340 |
| Return on Equity (ROE) | 4.5854% | 4,993 |
| Retained earnings to average equity (ytd only) | -5.2647% | 6,599 |
| Net charge-offs to loans | 0.0695% | 3,794 |
| Credit loss provision to net charge-offs | 576.9231% | 588 |
| Earnings coverage of net charge-offs (x) | 13.9231% | 1,499 |
| Efficiency ratio | 86.8364% | 1,393 |
| Assets per employee ($millions) | 3.0548% | 6,051 |
| Cash dividends to net income (ytd only)* | 214.8148% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 3,129 |
| Loan loss allowance to noncurrent loans | 91.2648% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 4,316 |
| Noncurrent loans to loans | 1.9274% | 3,252 |
| Net loans and leases to total assets | 54.2649% | 4,679 |
| Net loans and leases to deposits | 63.8770% | 4,655 |
| Net loans and leases to core deposits | 67.4633% | 4,737 |
| Total domestic deposits to total assets | 84.9521% | 4,067 |
| Equity capital to assets | 8.6488% | 5,932 |
| Core capital (leverage) ratio | 8.5364% | 5,529 |
| Tier 1 risk-based capital ratio | 12.7486% | 5,403 |
| Total risk-based capital ratio | 14.0011% | 5,374 |
| Memoranda: | ||
| Average total assets | $133,254,500 | 4,163 |
| Average earning assets | $121,336,000 | 4,169 |
| Average equity | $11,776,500 | 4,662 |
| Average total loans | $74,812,500 | 4,277 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 4,396 |
| Cost of funding earning assets | 0.9204% | 3,954 |
| Net interest margin | 3.7449% | 4,103 |
| Noninterest income to average assets | 0.7753% | 2,195 |
| Noninterest expense to average assets | 3.2657% | 2,633 |
| Loan and lease loss provision to assets | 0.1753% | 4,440 |
| Net operating income to assets | 0.5535% | 4,216 |
| Return on assets (ROA) | 0.5899% | 4,232 |
| Pretax return on assets | 0.7948% | 3,999 |
| Return on Equity (ROE) | 6.6279% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.6279% | 1,677 |
| Net charge-offs to loans | 0.2331% | 4,323 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 6.7543% | 2,455 |
| Efficiency ratio | 78.0011% | 2,586 |
| Assets per employee ($millions) | 3.3871% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 3,376 |
| Loan loss allowance to noncurrent loans | 83.7147% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 4,327 |
| Noncurrent loans to loans | 1.9713% | 3,247 |
| Net loans and leases to total assets | 56.1227% | 4,676 |
| Net loans and leases to deposits | 66.5957% | 4,651 |
| Net loans and leases to core deposits | 69.7602% | 4,813 |
| Total domestic deposits to total assets | 84.2738% | 4,206 |
| Equity capital to assets | 9.0297% | 5,516 |
| Core capital (leverage) ratio | 8.6211% | 5,362 |
| Tier 1 risk-based capital ratio | 12.8960% | 5,160 |
| Total risk-based capital ratio | 14.1476% | 5,134 |
| Memoranda: | ||
| Average total assets | $128,333,400 | 4,209 |
| Average earning assets | $116,906,200 | 4,213 |
| Average equity | $11,421,400 | 4,678 |
| Average total loans | $75,081,200 | 4,310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 4,486 |
| Cost of funding earning assets | 0.9356% | 4,152 |
| Net interest margin | 3.7595% | 4,067 |
| Noninterest income to average assets | 0.6981% | 2,626 |
| Noninterest expense to average assets | 3.2539% | 2,652 |
| Loan and lease loss provision to assets | 0.1570% | 4,505 |
| Net operating income to assets | 0.5335% | 4,388 |
| Return on assets (ROA) | 0.5798% | 4,360 |
| Pretax return on assets | 0.7766% | 4,207 |
| Return on Equity (ROE) | 6.5398% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.5398% | 2,222 |
| Net charge-offs to loans | 0.1387% | 4,671 |
| Credit loss provision to net charge-offs | 192.3077% | 1,518 |
| Earnings coverage of net charge-offs (x) | 10.6792% | 1,890 |
| Efficiency ratio | 78.8686% | 2,420 |
| Assets per employee ($millions) | 3.3153% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,494 |
| Loan loss allowance to noncurrent loans | 66.2134% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 3,694 |
| Noncurrent loans to loans | 2.4720% | 2,805 |
| Net loans and leases to total assets | 60.3891% | 4,062 |
| Net loans and leases to deposits | 71.1447% | 4,116 |
| Net loans and leases to core deposits | 76.2401% | 4,169 |
| Total domestic deposits to total assets | 84.8821% | 3,825 |
| Equity capital to assets | 9.3433% | 5,310 |
| Core capital (leverage) ratio | 8.8921% | 5,119 |
| Tier 1 risk-based capital ratio | 12.6344% | 5,383 |
| Total risk-based capital ratio | 13.8873% | 5,365 |
| Memoranda: | ||
| Average total assets | $127,392,250 | 4,243 |
| Average earning assets | $116,148,500 | 4,247 |
| Average equity | $11,294,750 | 4,734 |
| Average total loans | $75,006,250 | 4,350 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 4,856 |
| Cost of funding earning assets | 0.9485% | 4,330 |
| Net interest margin | 3.6793% | 4,361 |
| Noninterest income to average assets | 0.6710% | 2,707 |
| Noninterest expense to average assets | 3.2003% | 2,897 |
| Loan and lease loss provision to assets | 0.1486% | 4,453 |
| Net operating income to assets | 0.5099% | 4,457 |
| Return on assets (ROA) | 0.5756% | 4,304 |
| Pretax return on assets | 0.7711% | 4,136 |
| Return on Equity (ROE) | 6.6092% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.6092% | 2,078 |
| Net charge-offs to loans | 0.1401% | 4,355 |
| Credit loss provision to net charge-offs | 182.6923% | 1,652 |
| Earnings coverage of net charge-offs (x) | 10.2308% | 1,839 |
| Efficiency ratio | 79.3638% | 2,495 |
| Assets per employee ($millions) | 3.2311% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 3,448 |
| Loan loss allowance to noncurrent loans | 84.4369% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 4,417 |
| Noncurrent loans to loans | 1.9674% | 3,523 |
| Net loans and leases to total assets | 58.1110% | 4,605 |
| Net loans and leases to deposits | 68.1768% | 4,679 |
| Net loans and leases to core deposits | 72.7103% | 4,737 |
| Total domestic deposits to total assets | 85.2358% | 3,768 |
| Equity capital to assets | 9.0688% | 5,486 |
| Core capital (leverage) ratio | 8.6142% | 5,375 |
| Tier 1 risk-based capital ratio | 12.7316% | 5,150 |
| Total risk-based capital ratio | 13.9840% | 5,122 |
| Memoranda: | ||
| Average total assets | $127,862,000 | 4,272 |
| Average earning assets | $116,817,000 | 4,257 |
| Average equity | $11,136,000 | 4,773 |
| Average total loans | $74,226,330 | 4,426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 5,164 |
| Cost of funding earning assets | 0.9633% | 4,472 |
| Net interest margin | 3.5878% | 4,624 |
| Noninterest income to average assets | 0.6647% | 2,760 |
| Noninterest expense to average assets | 3.1836% | 2,949 |
| Loan and lease loss provision to assets | 0.1553% | 4,083 |
| Net operating income to assets | 0.4551% | 4,692 |
| Return on assets (ROA) | 0.5094% | 4,534 |
| Pretax return on assets | 0.6709% | 4,414 |
| Return on Equity (ROE) | 5.9691% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.9691% | 2,659 |
| Net charge-offs to loans | 0.0810% | 4,132 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 16.2000% | 1,277 |
| Efficiency ratio | 80.8360% | 2,390 |
| Assets per employee ($millions) | 3.3966% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 3,405 |
| Loan loss allowance to noncurrent loans | 153.6250% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 5,576 |
| Noncurrent loans to loans | 1.0950% | 4,871 |
| Net loans and leases to total assets | 55.6516% | 5,053 |
| Net loans and leases to deposits | 64.7925% | 5,154 |
| Net loans and leases to core deposits | 69.8501% | 5,060 |
| Total domestic deposits to total assets | 85.8920% | 3,586 |
| Equity capital to assets | 8.5900% | 5,782 |
| Core capital (leverage) ratio | 8.3833% | 5,658 |
| Tier 1 risk-based capital ratio | 12.6835% | 5,084 |
| Total risk-based capital ratio | 13.9361% | 5,060 |
| Memoranda: | ||
| Average total assets | $128,786,000 | 4,286 |
| Average earning assets | $117,508,500 | 4,265 |
| Average equity | $10,990,000 | 4,802 |
| Average total loans | $74,107,000 | 4,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 3,734 |
| Cost of funding earning assets | 1.1709% | 4,722 |
| Net interest margin | 4.0023% | 3,008 |
| Noninterest income to average assets | 0.9116% | 1,810 |
| Noninterest expense to average assets | 3.2870% | 2,774 |
| Loan and lease loss provision to assets | 0.3798% | 3,838 |
| Net operating income to assets | 0.6582% | 3,398 |
| Return on assets (ROA) | 0.6625% | 3,521 |
| Pretax return on assets | 0.8969% | 3,301 |
| Return on Equity (ROE) | 7.5719% | 2,860 |
| Retained earnings to average equity (ytd only) | 6.6383% | 1,488 |
| Net charge-offs to loans | 0.6499% | 3,060 |
| Credit loss provision to net charge-offs | 94.1296% | 4,938 |
| Earnings coverage of net charge-offs (x) | 3.1498% | 3,494 |
| Efficiency ratio | 72.1147% | 3,771 |
| Assets per employee ($millions) | 3.5695% | 4,782 |
| Cash dividends to net income (ytd only)* | 12.3305% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 3,621 |
| Loan loss allowance to noncurrent loans | 136.6133% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,517 |
| Noncurrent loans to loans | 1.1629% | 4,779 |
| Net loans and leases to total assets | 57.5566% | 5,099 |
| Net loans and leases to deposits | 66.9612% | 5,260 |
| Net loans and leases to core deposits | 72.8625% | 5,114 |
| Total domestic deposits to total assets | 85.9552% | 3,383 |
| Equity capital to assets | 8.4768% | 5,885 |
| Core capital (leverage) ratio | 8.3169% | 5,665 |
| Tier 1 risk-based capital ratio | 12.2960% | 5,213 |
| Total risk-based capital ratio | 13.5476% | 5,175 |
| Memoranda: | ||
| Average total assets | $122,421,000 | 4,436 |
| Average earning assets | $111,535,400 | 4,432 |
| Average equity | $10,710,600 | 4,930 |
| Average total loans | $76,009,800 | 4,452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 3,557 |
| Cost of funding earning assets | 1.2089% | 4,813 |
| Net interest margin | 4.0455% | 2,880 |
| Noninterest income to average assets | 0.9175% | 1,735 |
| Noninterest expense to average assets | 3.2831% | 2,621 |
| Loan and lease loss provision to assets | 0.4246% | 3,364 |
| Net operating income to assets | 0.6615% | 3,594 |
| Return on assets (ROA) | 0.6672% | 3,723 |
| Pretax return on assets | 0.9043% | 3,537 |
| Return on Equity (ROE) | 7.5635% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.5635% | 1,572 |
| Net charge-offs to loans | 0.6087% | 2,918 |
| Credit loss provision to net charge-offs | 110.6322% | 3,826 |
| Earnings coverage of net charge-offs (x) | 3.4425% | 3,449 |
| Efficiency ratio | 71.3054% | 3,835 |
| Assets per employee ($millions) | 3.3060% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 3,288 |
| Loan loss allowance to noncurrent loans | 109.6606% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 5,014 |
| Noncurrent loans to loans | 1.5154% | 4,365 |
| Net loans and leases to total assets | 59.3503% | 5,029 |
| Net loans and leases to deposits | 69.8958% | 5,162 |
| Net loans and leases to core deposits | 74.8384% | 5,187 |
| Total domestic deposits to total assets | 84.9125% | 3,659 |
| Equity capital to assets | 8.7561% | 5,925 |
| Core capital (leverage) ratio | 8.7443% | 5,115 |
| Tier 1 risk-based capital ratio | 12.4616% | 5,017 |
| Total risk-based capital ratio | 13.7142% | 4,989 |
| Memoranda: | ||
| Average total assets | $120,900,500 | 4,526 |
| Average earning assets | $110,176,750 | 4,525 |
| Average equity | $10,665,000 | 5,004 |
| Average total loans | $76,223,250 | 4,518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 3,753 |
| Cost of funding earning assets | 1.2460% | 4,856 |
| Net interest margin | 3.9954% | 3,040 |
| Noninterest income to average assets | 0.8364% | 1,935 |
| Noninterest expense to average assets | 3.2449% | 2,743 |
| Loan and lease loss provision to assets | 0.3771% | 3,451 |
| Net operating income to assets | 0.6362% | 3,700 |
| Return on assets (ROA) | 0.6436% | 3,806 |
| Pretax return on assets | 0.8682% | 3,631 |
| Return on Equity (ROE) | 7.2773% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.2773% | 1,721 |
| Net charge-offs to loans | 0.7386% | 2,386 |
| Credit loss provision to net charge-offs | 79.7872% | 4,713 |
| Earnings coverage of net charge-offs (x) | 2.6135% | 3,692 |
| Efficiency ratio | 72.4280% | 3,751 |
| Assets per employee ($millions) | 3.0069% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 3,696 |
| Loan loss allowance to noncurrent loans | 92.9084% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 4,656 |
| Noncurrent loans to loans | 1.6612% | 4,202 |
| Net loans and leases to total assets | 63.4285% | 4,368 |
| Net loans and leases to deposits | 74.9192% | 4,527 |
| Net loans and leases to core deposits | 80.7140% | 4,594 |
| Total domestic deposits to total assets | 84.6626% | 3,787 |
| Equity capital to assets | 9.1738% | 5,183 |
| Core capital (leverage) ratio | 8.7138% | 5,052 |
| Tier 1 risk-based capital ratio | 12.1389% | 5,181 |
| Total risk-based capital ratio | 13.3908% | 5,158 |
| Memoranda: | ||
| Average total assets | $119,325,000 | 4,582 |
| Average earning assets | $108,824,330 | 4,588 |
| Average equity | $10,553,330 | 5,045 |
| Average total loans | $76,357,670 | 4,561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 4,684 |
| Cost of funding earning assets | 1.2708% | 4,998 |
| Net interest margin | 3.7977% | 3,806 |
| Noninterest income to average assets | 0.8907% | 1,664 |
| Noninterest expense to average assets | 3.1441% | 3,088 |
| Loan and lease loss provision to assets | 0.5484% | 2,309 |
| Net operating income to assets | 0.5066% | 4,363 |
| Return on assets (ROA) | 0.5218% | 4,418 |
| Pretax return on assets | 0.6847% | 4,290 |
| Return on Equity (ROE) | 6.0090% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.0090% | 2,620 |
| Net charge-offs to loans | 0.3387% | 3,054 |
| Credit loss provision to net charge-offs | 253.8462% | 1,525 |
| Earnings coverage of net charge-offs (x) | 5.6154% | 2,360 |
| Efficiency ratio | 72.1587% | 3,904 |
| Assets per employee ($millions) | 3.1048% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 2,886 |
| Loan loss allowance to noncurrent loans | 78.8909% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.5451% | 4,180 |
| Noncurrent loans to loans | 2.2230% | 3,494 |
| Net loans and leases to total assets | 62.8192% | 4,581 |
| Net loans and leases to deposits | 74.0079% | 4,740 |
| Net loans and leases to core deposits | 78.5160% | 4,961 |
| Total domestic deposits to total assets | 84.8817% | 3,733 |
| Equity capital to assets | 8.9030% | 5,408 |
| Core capital (leverage) ratio | 8.4850% | 5,403 |
| Tier 1 risk-based capital ratio | 11.9649% | 5,232 |
| Total risk-based capital ratio | 13.2196% | 5,188 |
| Memoranda: | ||
| Average total assets | $120,353,000 | 4,619 |
| Average earning assets | $109,855,000 | 4,616 |
| Average equity | $10,451,000 | 5,114 |
| Average total loans | $76,762,500 | 4,620 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8272% | 2,541 |
| Cost of funding earning assets | 1.7813% | 4,096 |
| Net interest margin | 4.0460% | 2,667 |
| Noninterest income to average assets | 0.8204% | 2,305 |
| Noninterest expense to average assets | 3.4476% | 2,535 |
| Loan and lease loss provision to assets | 0.1224% | 6,416 |
| Net operating income to assets | 0.6918% | 2,966 |
| Return on assets (ROA) | 0.6962% | 3,019 |
| Pretax return on assets | 0.9673% | 2,700 |
| Return on Equity (ROE) | 7.9950% | 2,374 |
| Retained earnings to average equity (ytd only) | 7.9950% | 701 |
| Net charge-offs to loans | 0.0026% | 7,213 |
| Credit loss provision to net charge-offs | 7,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 619.5000% | 39 |
| Efficiency ratio | 76.0857% | 3,511 |
| Assets per employee ($millions) | 3.4090% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 3,409 |
| Loan loss allowance to noncurrent loans | 103.3812% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2940% | 4,497 |
| Noncurrent loans to loans | 1.5150% | 4,387 |
| Net loans and leases to total assets | 62.6313% | 4,883 |
| Net loans and leases to deposits | 73.2196% | 5,162 |
| Net loans and leases to core deposits | 88.0416% | 5,328 |
| Total domestic deposits to total assets | 85.5390% | 3,271 |
| Equity capital to assets | 8.4727% | 5,921 |
| Core capital (leverage) ratio | 8.2924% | 5,636 |
| Tier 1 risk-based capital ratio | 11.3030% | 5,614 |
| Total risk-based capital ratio | 12.5543% | 5,558 |
| Memoranda: | ||
| Average total assets | $114,340,200 | 4,710 |
| Average earning assets | $104,869,800 | 4,709 |
| Average equity | $9,956,200 | 5,305 |
| Average total loans | $76,347,200 | 4,642 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0021% | 2,033 |
| Cost of funding earning assets | 1.9033% | 3,867 |
| Net interest margin | 4.0987% | 2,403 |
| Noninterest income to average assets | 0.8196% | 2,339 |
| Noninterest expense to average assets | 3.5042% | 2,274 |
| Loan and lease loss provision to assets | 0.1485% | 5,873 |
| Net operating income to assets | 0.6669% | 3,326 |
| Return on assets (ROA) | 0.6711% | 3,371 |
| Pretax return on assets | 0.9408% | 3,094 |
| Return on Equity (ROE) | 7.6511% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.6511% | 1,248 |
| Net charge-offs to loans | 0.0369% | 6,388 |
| Credit loss provision to net charge-offs | 595.2381% | 646 |
| Earnings coverage of net charge-offs (x) | 43.4275% | 707 |
| Efficiency ratio | 76.3853% | 3,437 |
| Assets per employee ($millions) | 3.0441% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,226 |
| Loan loss allowance to noncurrent loans | 101.7979% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 4,523 |
| Noncurrent loans to loans | 1.5134% | 4,386 |
| Net loans and leases to total assets | 65.6895% | 4,494 |
| Net loans and leases to deposits | 77.4548% | 4,830 |
| Net loans and leases to core deposits | 94.5265% | 4,971 |
| Total domestic deposits to total assets | 84.8102% | 3,321 |
| Equity capital to assets | 8.7935% | 5,806 |
| Core capital (leverage) ratio | 8.4225% | 5,633 |
| Tier 1 risk-based capital ratio | 11.2036% | 5,747 |
| Total risk-based capital ratio | 12.4549% | 5,697 |
| Memoranda: | ||
| Average total assets | $112,244,500 | 4,801 |
| Average earning assets | $103,184,000 | 4,783 |
| Average equity | $9,845,750 | 5,380 |
| Average total loans | $75,912,500 | 4,698 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1345% | 1,671 |
| Cost of funding earning assets | 1.9906% | 3,820 |
| Net interest margin | 4.1439% | 2,181 |
| Noninterest income to average assets | 0.8695% | 2,097 |
| Noninterest expense to average assets | 3.5463% | 2,205 |
| Loan and lease loss provision to assets | 0.1170% | 5,964 |
| Net operating income to assets | 0.7138% | 3,195 |
| Return on assets (ROA) | 0.7201% | 3,275 |
| Pretax return on assets | 1.0225% | 2,919 |
| Return on Equity (ROE) | 8.2161% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.2161% | 1,144 |
| Net charge-offs to loans | 0.0583% | 5,682 |
| Credit loss provision to net charge-offs | 295.4545% | 1,580 |
| Earnings coverage of net charge-offs (x) | 28.5455% | 1,033 |
| Efficiency ratio | 75.8276% | 3,725 |
| Assets per employee ($millions) | 2.8786% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 3,261 |
| Loan loss allowance to noncurrent loans | 89.8089% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3904% | 4,180 |
| Noncurrent loans to loans | 1.6565% | 4,009 |
| Net loans and leases to total assets | 66.5334% | 4,453 |
| Net loans and leases to deposits | 78.5643% | 4,774 |
| Net loans and leases to core deposits | 96.1573% | 4,887 |
| Total domestic deposits to total assets | 84.6865% | 3,400 |
| Equity capital to assets | 8.8076% | 5,586 |
| Core capital (leverage) ratio | 8.3900% | 5,640 |
| Tier 1 risk-based capital ratio | 11.3216% | 5,570 |
| Total risk-based capital ratio | 12.5732% | 5,473 |
| Memoranda: | ||
| Average total assets | $111,100,670 | 4,855 |
| Average earning assets | $102,077,670 | 4,838 |
| Average equity | $9,737,000 | 5,441 |
| Average total loans | $75,491,330 | 4,756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 1,464 |
| Cost of funding earning assets | 2.0235% | 4,015 |
| Net interest margin | 4.2202% | 1,834 |
| Noninterest income to average assets | 0.8686% | 1,994 |
| Noninterest expense to average assets | 3.4963% | 2,108 |
| Loan and lease loss provision to assets | 0.0905% | 5,803 |
| Net operating income to assets | 0.8078% | 3,099 |
| Return on assets (ROA) | 0.8180% | 3,210 |
| Pretax return on assets | 1.1763% | 2,697 |
| Return on Equity (ROE) | 9.3567% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.3567% | 1,386 |
| Net charge-offs to loans | 0.0690% | 4,510 |
| Credit loss provision to net charge-offs | 192.3077% | 2,291 |
| Earnings coverage of net charge-offs (x) | 26.6154% | 1,174 |
| Efficiency ratio | 73.6280% | 3,889 |
| Assets per employee ($millions) | 3.0807% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,145 |
| Loan loss allowance to noncurrent loans | 92.5738% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3435% | 3,979 |
| Noncurrent loans to loans | 1.5870% | 3,896 |
| Net loans and leases to total assets | 66.3370% | 4,504 |
| Net loans and leases to deposits | 78.4715% | 4,853 |
| Net loans and leases to core deposits | 100.7615% | 4,467 |
| Total domestic deposits to total assets | 84.5363% | 3,444 |
| Equity capital to assets | 8.8084% | 5,612 |
| Core capital (leverage) ratio | 8.3801% | 5,757 |
| Tier 1 risk-based capital ratio | 11.2250% | 5,675 |
| Total risk-based capital ratio | 12.4764% | 5,587 |
| Memoranda: | ||
| Average total assets | $110,517,500 | 4,889 |
| Average earning assets | $101,605,500 | 4,871 |
| Average equity | $9,661,500 | 5,489 |
| Average total loans | $75,325,500 | 4,791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7205% | 1,955 |
| Cost of funding earning assets | 2.5833% | 3,776 |
| Net interest margin | 4.1372% | 2,552 |
| Noninterest income to average assets | 0.5822% | 3,990 |
| Noninterest expense to average assets | 3.2974% | 2,970 |
| Loan and lease loss provision to assets | 0.0275% | 7,056 |
| Net operating income to assets | 0.7208% | 3,798 |
| Return on assets (ROA) | 0.7208% | 3,628 |
| Pretax return on assets | 1.0248% | 3,290 |
| Return on Equity (ROE) | 8.2225% | 2,966 |
| Retained earnings to average equity (ytd only) | 0.2095% | 5,101 |
| Net charge-offs to loans | -0.0434% | 8,014 |
| Credit loss provision to net charge-offs | -96.7742% | 7,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8075% | 3,266 |
| Assets per employee ($millions) | 3.0592% | 5,901 |
| Cash dividends to net income (ytd only)* | 97.4522% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 3,040 |
| Loan loss allowance to noncurrent loans | 147.2185% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 4,458 |
| Noncurrent loans to loans | 0.9700% | 4,654 |
| Net loans and leases to total assets | 68.0087% | 4,463 |
| Net loans and leases to deposits | 81.3119% | 4,825 |
| Net loans and leases to core deposits | 105.3433% | 4,261 |
| Total domestic deposits to total assets | 83.6393% | 3,509 |
| Equity capital to assets | 8.6752% | 5,846 |
| Core capital (leverage) ratio | 8.3550% | 5,844 |
| Tier 1 risk-based capital ratio | 10.7944% | 5,922 |
| Total risk-based capital ratio | 12.0453% | 5,820 |
| Memoranda: | ||
| Average total assets | $108,903,600 | 4,811 |
| Average earning assets | $99,173,600 | 4,826 |
| Average equity | $9,547,000 | 5,556 |
| Average total loans | $71,370,600 | 4,819 |