Home > 1st National Bank > Performance and Condition Ratios
1st National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 1,837 |
| Cost of funding earning assets | 2.3414% | 505 |
| Net interest margin | 2.7688% | 3,720 |
| Noninterest income to average assets | 1.5200% | 380 |
| Noninterest expense to average assets | 3.6800% | 471 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.2386% | 4,116 |
| Return on assets (ROA) | 0.2348% | 4,128 |
| Pretax return on assets | 0.2348% | 4,159 |
| Return on Equity (ROE) | 3.8400% | 3,910 |
| Retained earnings to average equity (ytd only) | 2.5400% | 3,430 |
| Net charge-offs to loans | 0.0089% | 2,324 |
| Credit loss provision to net charge-offs | 715.7895% | 520 |
| Earnings coverage of net charge-offs (x) | 43.5789% | 1,389 |
| Efficiency ratio | 92.8013% | 336 |
| Assets per employee ($millions) | 4.8404% | 3,744 |
| Cash dividends to net income (ytd only)* | 33.7739% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,417 |
| Loan loss allowance to noncurrent loans | 154.0912% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 1,038 |
| Noncurrent loans to loans | 0.6351% | 1,244 |
| Net loans and leases to total assets | 74.1300% | 1,344 |
| Net loans and leases to deposits | 85.1956% | 1,678 |
| Net loans and leases to core deposits | 105.4002% | 1,141 |
| Total domestic deposits to total assets | 87.0200% | 1,674 |
| Equity capital to assets | 6.4283% | 4,140 |
| Core capital (leverage) ratio | 6.8181% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0048% | 2,816 |
| Memoranda: | ||
| Average total assets | $290,056,000 | 2,472 |
| Average earning assets | $255,955,000 | 2,536 |
| Average equity | $17,755,800 | 3,032 |
| Average total loans | $212,496,400 | 2,210 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9618% | 1,917 |
| Cost of funding earning assets | 2.2023% | 498 |
| Net interest margin | 2.7595% | 3,790 |
| Noninterest income to average assets | 1.5600% | 377 |
| Noninterest expense to average assets | 3.7461% | 435 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.1913% | 4,238 |
| Return on assets (ROA) | 0.1913% | 4,256 |
| Pretax return on assets | 0.1913% | 4,269 |
| Return on Equity (ROE) | 3.1600% | 4,086 |
| Retained earnings to average equity (ytd only) | 1.4149% | 3,858 |
| Net charge-offs to loans | 0.0164% | 1,811 |
| Credit loss provision to net charge-offs | 434.6154% | 696 |
| Earnings coverage of net charge-offs (x) | 20.3462% | 1,811 |
| Efficiency ratio | 93.9027% | 269 |
| Assets per employee ($millions) | 4.8986% | 3,675 |
| Cash dividends to net income (ytd only)* | 55.2885% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 3,593 |
| Loan loss allowance to noncurrent loans | 149.5367% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 1,136 |
| Noncurrent loans to loans | 0.6289% | 1,296 |
| Net loans and leases to total assets | 71.6100% | 1,625 |
| Net loans and leases to deposits | 86.8125% | 1,483 |
| Net loans and leases to core deposits | 115.6994% | 673 |
| Total domestic deposits to total assets | 82.4900% | 3,124 |
| Equity capital to assets | 5.5280% | 4,133 |
| Core capital (leverage) ratio | 6.6775% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4631% | 2,888 |
| Memoranda: | ||
| Average total assets | $289,964,750 | 2,478 |
| Average earning assets | $255,788,250 | 2,544 |
| Average equity | $17,527,500 | 3,038 |
| Average total loans | $211,262,750 | 2,219 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 1,811 |
| Cost of funding earning assets | 1.9755% | 519 |
| Net interest margin | 2.9044% | 3,638 |
| Noninterest income to average assets | 1.4000% | 357 |
| Noninterest expense to average assets | 3.8111% | 399 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.0937% | 4,365 |
| Return on assets (ROA) | 0.0937% | 4,400 |
| Pretax return on assets | 0.0937% | 4,401 |
| Return on Equity (ROE) | 1.5000% | 4,330 |
| Retained earnings to average equity (ytd only) | -1.0971% | 4,229 |
| Net charge-offs to loans | 0.0174% | 1,566 |
| Credit loss provision to net charge-offs | 416.6667% | 714 |
| Earnings coverage of net charge-offs (x) | 11.5556% | 1,960 |
| Efficiency ratio | 96.2956% | 215 |
| Assets per employee ($millions) | 4.4563% | 3,977 |
| Cash dividends to net income (ytd only)* | 172.9323% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 3,642 |
| Loan loss allowance to noncurrent loans | 454.5055% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,114 |
| Noncurrent loans to loans | 0.2081% | 2,430 |
| Net loans and leases to total assets | 73.6500% | 1,334 |
| Net loans and leases to deposits | 95.5559% | 757 |
| Net loans and leases to core deposits | 110.6707% | 798 |
| Total domestic deposits to total assets | 77.0800% | 3,944 |
| Equity capital to assets | 6.0401% | 4,136 |
| Core capital (leverage) ratio | 6.8256% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8384% | 2,864 |
| Memoranda: | ||
| Average total assets | $283,750,000 | 2,510 |
| Average earning assets | $249,964,333 | 2,581 |
| Average equity | $17,683,333 | 3,049 |
| Average total loans | $207,317,000 | 2,241 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 1,921 |
| Cost of funding earning assets | 1.6759% | 610 |
| Net interest margin | 2.9957% | 3,613 |
| Noninterest income to average assets | 1.3600% | 368 |
| Noninterest expense to average assets | 3.8971% | 380 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.0388% | 4,457 |
| Return on assets (ROA) | 0.0388% | 4,441 |
| Pretax return on assets | 0.0388% | 4,432 |
| Return on Equity (ROE) | 0.6100% | 4,406 |
| Retained earnings to average equity (ytd only) | -4.6025% | 4,314 |
| Net charge-offs to loans | 0.0238% | 1,208 |
| Credit loss provision to net charge-offs | 325.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 1,811 |
| Efficiency ratio | 97.6259% | 204 |
| Assets per employee ($millions) | 4.0005% | 4,243 |
| Cash dividends to net income (ytd only)* | 851.8519% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,610 |
| Loan loss allowance to noncurrent loans | 292.3960% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 1,601 |
| Noncurrent loans to loans | 0.3342% | 1,957 |
| Net loans and leases to total assets | 73.7500% | 1,235 |
| Net loans and leases to deposits | 92.7466% | 869 |
| Net loans and leases to core deposits | 107.1274% | 793 |
| Total domestic deposits to total assets | 79.5100% | 3,830 |
| Equity capital to assets | 6.3157% | 4,101 |
| Core capital (leverage) ratio | 7.0914% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1823% | 2,919 |
| Memoranda: | ||
| Average total assets | $278,567,000 | 2,564 |
| Average earning assets | $244,883,000 | 2,644 |
| Average equity | $17,642,500 | 3,072 |
| Average total loans | $201,627,500 | 2,296 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 2,045 |
| Cost of funding earning assets | 0.6887% | 613 |
| Net interest margin | 3.1872% | 2,906 |
| Noninterest income to average assets | 2.1400% | 227 |
| Noninterest expense to average assets | 4.7035% | 244 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.1950% | 4,453 |
| Return on assets (ROA) | 0.1950% | 4,434 |
| Pretax return on assets | 0.1950% | 4,449 |
| Return on Equity (ROE) | 2.9500% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.9485% | 3,735 |
| Net charge-offs to loans | 0.0244% | 1,572 |
| Credit loss provision to net charge-offs | 85.7143% | 1,653 |
| Earnings coverage of net charge-offs (x) | 12.9762% | 2,086 |
| Efficiency ratio | 95.7502% | 200 |
| Assets per employee ($millions) | 3.5526% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,186 |
| Loan loss allowance to noncurrent loans | 394.3137% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 1,904 |
| Noncurrent loans to loans | 0.2619% | 2,223 |
| Net loans and leases to total assets | 69.5400% | 1,680 |
| Net loans and leases to deposits | 84.6528% | 1,410 |
| Net loans and leases to core deposits | 95.2322% | 1,244 |
| Total domestic deposits to total assets | 82.1400% | 3,602 |
| Equity capital to assets | 6.3511% | 3,961 |
| Core capital (leverage) ratio | 7.1604% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6297% | 2,833 |
| Memoranda: | ||
| Average total assets | $261,063,200 | 2,664 |
| Average earning assets | $227,252,400 | 2,756 |
| Average equity | $17,263,200 | 3,186 |
| Average total loans | $172,271,400 | 2,434 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 2,011 |
| Cost of funding earning assets | 0.4736% | 863 |
| Net interest margin | 3.2375% | 2,504 |
| Noninterest income to average assets | 1.6900% | 321 |
| Noninterest expense to average assets | 5.0318% | 214 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | -0.5467% | 4,680 |
| Return on assets (ROA) | -0.5467% | 4,667 |
| Pretax return on assets | -0.5467% | 4,663 |
| Return on Equity (ROE) | -8.1800% | 4,690 |
| Retained earnings to average equity (ytd only) | -8.1802% | 4,656 |
| Net charge-offs to loans | 0.0248% | 1,330 |
| Credit loss provision to net charge-offs | 83.8710% | 1,407 |
| Earnings coverage of net charge-offs (x) | -33.1613% | 4,750 |
| Efficiency ratio | 111.8529% | 88 |
| Assets per employee ($millions) | 3.5237% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,209 |
| Loan loss allowance to noncurrent loans | 378.7194% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 2,300 |
| Noncurrent loans to loans | 0.2796% | 2,256 |
| Net loans and leases to total assets | 69.2500% | 1,543 |
| Net loans and leases to deposits | 85.0540% | 1,230 |
| Net loans and leases to core deposits | 93.8458% | 1,104 |
| Total domestic deposits to total assets | 81.4200% | 3,913 |
| Equity capital to assets | 5.6136% | 4,096 |
| Core capital (leverage) ratio | 6.7018% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6735% | 3,087 |
| Memoranda: | ||
| Average total assets | $257,053,500 | 2,704 |
| Average earning assets | $223,251,500 | 2,803 |
| Average equity | $17,179,250 | 3,227 |
| Average total loans | $166,664,000 | 2,487 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4156% | 2,387 |
| Cost of funding earning assets | 0.3729% | 1,096 |
| Net interest margin | 3.0426% | 2,745 |
| Noninterest income to average assets | 1.8550% | 254 |
| Noninterest expense to average assets | 5.3263% | 155 |
| Loan and lease loss provision to assets | 0.0151% | 2,330 |
| Net operating income to assets | -0.8411% | 4,707 |
| Return on assets (ROA) | -0.8411% | 4,698 |
| Pretax return on assets | -0.8411% | 4,689 |
| Return on Equity (ROE) | -11.9022% | 4,732 |
| Retained earnings to average equity (ytd only) | -11.9022% | 4,686 |
| Net charge-offs to loans | 0.0302% | 1,126 |
| Credit loss provision to net charge-offs | 79.1667% | 1,388 |
| Earnings coverage of net charge-offs (x) | -43.4167% | 2,143 |
| Efficiency ratio | 118.3548% | 83 |
| Assets per employee ($millions) | 2.9059% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,091 |
| Loan loss allowance to noncurrent loans | 267.4202% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 1,858 |
| Noncurrent loans to loans | 0.4180% | 1,864 |
| Net loans and leases to total assets | 68.0181% | 1,477 |
| Net loans and leases to deposits | 81.6670% | 1,268 |
| Net loans and leases to core deposits | 85.6721% | 1,361 |
| Total domestic deposits to total assets | 83.2871% | 3,822 |
| Equity capital to assets | 6.1775% | 4,146 |
| Core capital (leverage) ratio | 7.2681% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1043% | 3,000 |
| Memoranda: | ||
| Average total assets | $252,296,333 | 2,762 |
| Average earning assets | $219,349,333 | 2,851 |
| Average equity | $17,828,667 | 3,250 |
| Average total loans | $158,915,667 | 2,559 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1124% | 2,943 |
| Cost of funding earning assets | 0.3921% | 912 |
| Net interest margin | 2.7203% | 3,363 |
| Noninterest income to average assets | 1.6634% | 308 |
| Noninterest expense to average assets | 5.6460% | 142 |
| Loan and lease loss provision to assets | 0.0210% | 1,979 |
| Net operating income to assets | -1.6279% | 4,755 |
| Return on assets (ROA) | -1.6279% | 4,753 |
| Pretax return on assets | -1.6279% | 4,750 |
| Return on Equity (ROE) | -21.6019% | 4,773 |
| Retained earnings to average equity (ytd only) | -21.6019% | 4,712 |
| Net charge-offs to loans | 0.0377% | 907 |
| Credit loss provision to net charge-offs | 92.8571% | 1,069 |
| Earnings coverage of net charge-offs (x) | -71.0714% | 1,831 |
| Efficiency ratio | 139.7841% | 53 |
| Assets per employee ($millions) | 2.5008% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,290 |
| Loan loss allowance to noncurrent loans | 298.2249% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 2,024 |
| Noncurrent loans to loans | 0.4403% | 1,927 |
| Net loans and leases to total assets | 61.8166% | 1,884 |
| Net loans and leases to deposits | 70.9155% | 1,873 |
| Net loans and leases to core deposits | 74.5621% | 1,893 |
| Total domestic deposits to total assets | 87.1694% | 2,866 |
| Equity capital to assets | 7.1190% | 4,151 |
| Core capital (leverage) ratio | 7.3273% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7357% | 2,945 |
| Memoranda: | ||
| Average total assets | $247,680,000 | 2,800 |
| Average earning assets | $216,296,500 | 2,886 |
| Average equity | $18,665,000 | 3,264 |
| Average total loans | $148,424,500 | 2,650 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2326% | 3,395 |
| Cost of funding earning assets | 0.4805% | 1,004 |
| Net interest margin | 2.7521% | 3,776 |
| Noninterest income to average assets | 3.4028% | 161 |
| Noninterest expense to average assets | 5.9250% | 129 |
| Loan and lease loss provision to assets | -0.0743% | 4,462 |
| Net operating income to assets | 0.0071% | 4,675 |
| Return on assets (ROA) | 0.0071% | 4,685 |
| Pretax return on assets | 0.0071% | 4,684 |
| Return on Equity (ROE) | 0.0863% | 4,683 |
| Retained earnings to average equity (ytd only) | -8.8407% | 4,753 |
| Net charge-offs to loans | 0.0507% | 1,307 |
| Credit loss provision to net charge-offs | -250.6667% | 3,570 |
| Earnings coverage of net charge-offs (x) | -2.2667% | 2,667 |
| Efficiency ratio | 101.1466% | 137 |
| Assets per employee ($millions) | 2.4066% | 4,748 |
| Cash dividends to net income (ytd only)* | 10,350.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,899 |
| Loan loss allowance to noncurrent loans | 295.6012% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 2,186 |
| Noncurrent loans to loans | 0.4758% | 1,938 |
| Net loans and leases to total assets | 56.4635% | 2,545 |
| Net loans and leases to deposits | 63.9981% | 2,686 |
| Net loans and leases to core deposits | 67.3684% | 2,703 |
| Total domestic deposits to total assets | 88.2269% | 1,923 |
| Equity capital to assets | 7.9442% | 4,391 |
| Core capital (leverage) ratio | 7.5582% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7714% | 2,332 |
| Memoranda: | ||
| Average total assets | $253,115,000 | 2,703 |
| Average earning assets | $225,791,000 | 2,773 |
| Average equity | $20,869,400 | 3,139 |
| Average total loans | $147,962,400 | 2,649 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2655% | 3,472 |
| Cost of funding earning assets | 0.4981% | 1,054 |
| Net interest margin | 2.7674% | 3,846 |
| Noninterest income to average assets | 3.8504% | 150 |
| Noninterest expense to average assets | 5.8927% | 125 |
| Loan and lease loss provision to assets | 0.1438% | 785 |
| Net operating income to assets | 0.2884% | 4,536 |
| Return on assets (ROA) | 0.2884% | 4,556 |
| Pretax return on assets | 0.2884% | 4,598 |
| Return on Equity (ROE) | 3.4665% | 4,390 |
| Retained earnings to average equity (ytd only) | -6.9898% | 4,818 |
| Net charge-offs to loans | 0.0590% | 1,052 |
| Credit loss provision to net charge-offs | 415.1515% | 844 |
| Earnings coverage of net charge-offs (x) | 12.4697% | 1,958 |
| Efficiency ratio | 93.1650% | 247 |
| Assets per employee ($millions) | 2.5416% | 4,813 |
| Cash dividends to net income (ytd only)* | 301.6393% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 1,029 |
| Loan loss allowance to noncurrent loans | 357.1839% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 2,399 |
| Noncurrent loans to loans | 0.4873% | 2,091 |
| Net loans and leases to total assets | 55.7739% | 2,753 |
| Net loans and leases to deposits | 63.3069% | 2,924 |
| Net loans and leases to core deposits | 67.8327% | 2,794 |
| Total domestic deposits to total assets | 88.1008% | 1,778 |
| Equity capital to assets | 8.1756% | 4,426 |
| Core capital (leverage) ratio | 8.0840% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3304% | 1,853 |
| Memoranda: | ||
| Average total assets | $253,823,250 | 2,726 |
| Average earning assets | $226,970,000 | 2,788 |
| Average equity | $21,116,000 | 3,160 |
| Average total loans | $149,119,500 | 2,684 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 3,954 |
| Cost of funding earning assets | 0.5321% | 1,023 |
| Net interest margin | 2.5194% | 4,276 |
| Noninterest income to average assets | 3.4200% | 158 |
| Noninterest expense to average assets | 5.6938% | 140 |
| Loan and lease loss provision to assets | 0.1666% | 702 |
| Net operating income to assets | -0.1823% | 4,827 |
| Return on assets (ROA) | -0.1823% | 4,832 |
| Pretax return on assets | -0.1823% | 4,828 |
| Return on Equity (ROE) | -2.1786% | 4,843 |
| Retained earnings to average equity (ytd only) | -12.3300% | 4,886 |
| Net charge-offs to loans | 0.0013% | 2,182 |
| Credit loss provision to net charge-offs | 21,200.0000% | 19 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 2,234 |
| Efficiency ratio | 100.2767% | 165 |
| Assets per employee ($millions) | 2.3276% | 4,859 |
| Cash dividends to net income (ytd only)* | -465.9483% | 4,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 1,100 |
| Loan loss allowance to noncurrent loans | 92.5307% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 669 |
| Noncurrent loans to loans | 1.8206% | 565 |
| Net loans and leases to total assets | 59.4579% | 2,486 |
| Net loans and leases to deposits | 67.7740% | 2,639 |
| Net loans and leases to core deposits | 72.8564% | 2,532 |
| Total domestic deposits to total assets | 87.7295% | 1,967 |
| Equity capital to assets | 8.3605% | 4,313 |
| Core capital (leverage) ratio | 8.0553% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1144% | 1,934 |
| Memoranda: | ||
| Average total assets | $254,559,667 | 2,713 |
| Average earning assets | $228,145,333 | 2,773 |
| Average equity | $21,297,667 | 3,146 |
| Average total loans | $151,219,000 | 2,672 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0040% | 4,077 |
| Cost of funding earning assets | 0.5854% | 938 |
| Net interest margin | 2.4187% | 4,394 |
| Noninterest income to average assets | 3.5942% | 164 |
| Noninterest expense to average assets | 5.3135% | 156 |
| Loan and lease loss provision to assets | 0.2295% | 495 |
| Net operating income to assets | 0.2218% | 4,619 |
| Return on assets (ROA) | 0.2218% | 4,644 |
| Pretax return on assets | 0.2218% | 4,666 |
| Return on Equity (ROE) | 2.6507% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.6507% | 3,886 |
| Net charge-offs to loans | -0.0052% | 3,411 |
| Credit loss provision to net charge-offs | -7,450.0000% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1700% | 326 |
| Assets per employee ($millions) | 2.7047% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,239 |
| Loan loss allowance to noncurrent loans | 88.7509% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 720 |
| Noncurrent loans to loans | 1.8249% | 627 |
| Net loans and leases to total assets | 56.8492% | 2,936 |
| Net loans and leases to deposits | 64.5977% | 3,072 |
| Net loans and leases to core deposits | 68.8970% | 2,977 |
| Total domestic deposits to total assets | 88.0050% | 1,840 |
| Equity capital to assets | 8.3532% | 4,229 |
| Core capital (leverage) ratio | 8.2794% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3982% | 1,444 |
| Memoranda: | ||
| Average total assets | $259,639,500 | 2,674 |
| Average earning assets | $233,019,500 | 2,722 |
| Average equity | $21,730,000 | 3,101 |
| Average total loans | $152,926,000 | 2,658 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 4,077 |
| Cost of funding earning assets | 1.0706% | 457 |
| Net interest margin | 2.3997% | 4,656 |
| Noninterest income to average assets | 6.8014% | 90 |
| Noninterest expense to average assets | 5.9773% | 130 |
| Loan and lease loss provision to assets | 0.4435% | 638 |
| Net operating income to assets | 2.5359% | 132 |
| Return on assets (ROA) | 2.5359% | 135 |
| Pretax return on assets | 2.5359% | 180 |
| Return on Equity (ROE) | 31.0916% | 63 |
| Retained earnings to average equity (ytd only) | 21.8727% | 54 |
| Net charge-offs to loans | 0.0489% | 2,097 |
| Credit loss provision to net charge-offs | 1,401.3333% | 600 |
| Earnings coverage of net charge-offs (x) | 94.1467% | 820 |
| Efficiency ratio | 66.7358% | 2,404 |
| Assets per employee ($millions) | 2.8848% | 4,842 |
| Cash dividends to net income (ytd only)* | 29.6506% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 1,723 |
| Loan loss allowance to noncurrent loans | 81.9195% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 816 |
| Noncurrent loans to loans | 1.7855% | 704 |
| Net loans and leases to total assets | 59.1359% | 2,968 |
| Net loans and leases to deposits | 67.3330% | 3,153 |
| Net loans and leases to core deposits | 73.4433% | 2,958 |
| Total domestic deposits to total assets | 87.8261% | 1,564 |
| Equity capital to assets | 8.3854% | 4,526 |
| Core capital (leverage) ratio | 8.1890% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3851% | 1,719 |
| Memoranda: | ||
| Average total assets | $236,996,600 | 2,676 |
| Average earning assets | $212,862,200 | 2,723 |
| Average equity | $19,330,000 | 3,251 |
| Average total loans | $153,468,600 | 2,630 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5549% | 4,118 |
| Cost of funding earning assets | 1.1327% | 470 |
| Net interest margin | 2.4222% | 4,712 |
| Noninterest income to average assets | 5.8637% | 98 |
| Noninterest expense to average assets | 5.1254% | 178 |
| Loan and lease loss provision to assets | 0.4120% | 835 |
| Net operating income to assets | 2.5002% | 143 |
| Return on assets (ROA) | 2.5002% | 151 |
| Pretax return on assets | 2.5002% | 209 |
| Return on Equity (ROE) | 30.8971% | 60 |
| Retained earnings to average equity (ytd only) | 22.4641% | 60 |
| Net charge-offs to loans | 0.0244% | 2,349 |
| Credit loss provision to net charge-offs | 2,553.5714% | 397 |
| Earnings coverage of net charge-offs (x) | 180.4643% | 520 |
| Efficiency ratio | 63.7674% | 2,777 |
| Assets per employee ($millions) | 3.1896% | 4,786 |
| Cash dividends to net income (ytd only)* | 27.2937% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,612 |
| Loan loss allowance to noncurrent loans | 71.6343% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 927 |
| Noncurrent loans to loans | 1.6886% | 813 |
| Net loans and leases to total assets | 62.9071% | 2,894 |
| Net loans and leases to deposits | 71.9074% | 3,139 |
| Net loans and leases to core deposits | 78.7761% | 2,938 |
| Total domestic deposits to total assets | 87.4835% | 1,461 |
| Equity capital to assets | 7.9689% | 4,722 |
| Core capital (leverage) ratio | 7.8991% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9554% | 2,221 |
| Memoranda: | ||
| Average total assets | $231,338,500 | 2,695 |
| Average earning assets | $207,633,000 | 2,748 |
| Average equity | $18,719,750 | 3,304 |
| Average total loans | $152,882,500 | 2,643 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 3,986 |
| Cost of funding earning assets | 1.1853% | 530 |
| Net interest margin | 2.5628% | 4,689 |
| Noninterest income to average assets | 5.7778% | 93 |
| Noninterest expense to average assets | 5.3154% | 166 |
| Loan and lease loss provision to assets | 0.3454% | 1,227 |
| Net operating income to assets | 2.3712% | 166 |
| Return on assets (ROA) | 2.3712% | 183 |
| Pretax return on assets | 2.3712% | 267 |
| Return on Equity (ROE) | 29.1319% | 68 |
| Retained earnings to average equity (ytd only) | 23.2856% | 60 |
| Net charge-offs to loans | 0.0349% | 2,038 |
| Credit loss provision to net charge-offs | 1,476.9231% | 609 |
| Earnings coverage of net charge-offs (x) | 116.1538% | 641 |
| Efficiency ratio | 66.1776% | 2,493 |
| Assets per employee ($millions) | 3.4826% | 4,673 |
| Cash dividends to net income (ytd only)* | 20.0683% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,326 |
| Loan loss allowance to noncurrent loans | 66.9488% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 1,079 |
| Noncurrent loans to loans | 1.5666% | 953 |
| Net loans and leases to total assets | 64.2824% | 2,847 |
| Net loans and leases to deposits | 73.6418% | 3,111 |
| Net loans and leases to core deposits | 80.6693% | 2,899 |
| Total domestic deposits to total assets | 87.2907% | 1,500 |
| Equity capital to assets | 8.0002% | 4,717 |
| Core capital (leverage) ratio | 7.8285% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9677% | 2,194 |
| Memoranda: | ||
| Average total assets | $222,333,333 | 2,734 |
| Average earning assets | $195,564,333 | 2,824 |
| Average equity | $18,097,000 | 3,353 |
| Average total loans | $149,005,667 | 2,666 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 3,552 |
| Cost of funding earning assets | 1.2124% | 741 |
| Net interest margin | 2.8766% | 4,468 |
| Noninterest income to average assets | 3.0055% | 152 |
| Noninterest expense to average assets | 4.5877% | 282 |
| Loan and lease loss provision to assets | 0.2741% | 1,140 |
| Net operating income to assets | 0.6956% | 3,289 |
| Return on assets (ROA) | 0.6956% | 3,356 |
| Pretax return on assets | 0.6956% | 3,696 |
| Return on Equity (ROE) | 8.4627% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.4627% | 1,110 |
| Net charge-offs to loans | 0.0471% | 1,545 |
| Credit loss provision to net charge-offs | 852.9412% | 638 |
| Earnings coverage of net charge-offs (x) | 30.1765% | 1,180 |
| Efficiency ratio | 82.5510% | 937 |
| Assets per employee ($millions) | 3.1438% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 3,899 |
| Loan loss allowance to noncurrent loans | 53.8375% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 947 |
| Noncurrent loans to loans | 1.7796% | 845 |
| Net loans and leases to total assets | 67.2204% | 2,667 |
| Net loans and leases to deposits | 78.2071% | 2,861 |
| Net loans and leases to core deposits | 87.1287% | 2,585 |
| Total domestic deposits to total assets | 85.9518% | 2,018 |
| Equity capital to assets | 8.0245% | 4,965 |
| Core capital (leverage) ratio | 8.2530% | 4,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9307% | 2,320 |
| Memoranda: | ||
| Average total assets | $211,609,000 | 2,777 |
| Average earning assets | $187,720,500 | 2,850 |
| Average equity | $17,394,000 | 3,435 |
| Average total loans | $144,323,500 | 2,688 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 3,058 |
| Cost of funding earning assets | 1.2807% | 813 |
| Net interest margin | 3.1855% | 4,216 |
| Noninterest income to average assets | 2.7407% | 176 |
| Noninterest expense to average assets | 4.7535% | 250 |
| Loan and lease loss provision to assets | 0.0770% | 2,451 |
| Net operating income to assets | 0.7759% | 3,631 |
| Return on assets (ROA) | 0.7759% | 3,706 |
| Pretax return on assets | 0.7759% | 4,031 |
| Return on Equity (ROE) | 9.0470% | 2,735 |
| Retained earnings to average equity (ytd only) | 4.6479% | 2,621 |
| Net charge-offs to loans | 0.0207% | 3,001 |
| Credit loss provision to net charge-offs | 510.3448% | 575 |
| Earnings coverage of net charge-offs (x) | 56.5172% | 1,027 |
| Efficiency ratio | 84.7875% | 614 |
| Assets per employee ($millions) | 2.7087% | 4,938 |
| Cash dividends to net income (ytd only)* | 48.6251% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 3,811 |
| Loan loss allowance to noncurrent loans | 149.5982% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 2,164 |
| Noncurrent loans to loans | 0.6253% | 2,326 |
| Net loans and leases to total assets | 67.9214% | 2,689 |
| Net loans and leases to deposits | 76.9160% | 3,096 |
| Net loans and leases to core deposits | 85.1229% | 2,864 |
| Total domestic deposits to total assets | 88.3059% | 977 |
| Equity capital to assets | 8.4315% | 4,940 |
| Core capital (leverage) ratio | 7.5085% | 5,103 |
| Tier 1 risk-based capital ratio | 12.2741% | 4,202 |
| Total risk-based capital ratio | 13.4543% | 4,118 |
| Memoranda: | ||
| Average total assets | $192,175,600 | 2,904 |
| Average earning assets | $172,875,600 | 2,951 |
| Average equity | $16,480,600 | 3,497 |
| Average total loans | $140,342,400 | 2,713 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 3,007 |
| Cost of funding earning assets | 1.2853% | 819 |
| Net interest margin | 3.2311% | 4,231 |
| Noninterest income to average assets | 2.5958% | 190 |
| Noninterest expense to average assets | 4.9220% | 224 |
| Loan and lease loss provision to assets | 0.0774% | 2,355 |
| Net operating income to assets | 0.5124% | 4,484 |
| Return on assets (ROA) | 0.5124% | 4,541 |
| Pretax return on assets | 0.5124% | 4,685 |
| Return on Equity (ROE) | 5.9481% | 4,062 |
| Retained earnings to average equity (ytd only) | 1.6259% | 4,389 |
| Net charge-offs to loans | 0.0265% | 2,563 |
| Credit loss provision to net charge-offs | 392.8571% | 772 |
| Earnings coverage of net charge-offs (x) | 29.9306% | 1,628 |
| Efficiency ratio | 89.2989% | 350 |
| Assets per employee ($millions) | 2.7942% | 4,976 |
| Cash dividends to net income (ytd only)* | 72.6655% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,119 |
| Loan loss allowance to noncurrent loans | 60.6322% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 1,032 |
| Noncurrent loans to loans | 1.4546% | 1,048 |
| Net loans and leases to total assets | 72.7396% | 2,043 |
| Net loans and leases to deposits | 82.6829% | 2,595 |
| Net loans and leases to core deposits | 90.7661% | 2,487 |
| Total domestic deposits to total assets | 87.9741% | 1,043 |
| Equity capital to assets | 8.4803% | 5,013 |
| Core capital (leverage) ratio | 7.5537% | 5,187 |
| Tier 1 risk-based capital ratio | 11.8318% | 4,499 |
| Total risk-based capital ratio | 12.9795% | 4,452 |
| Memoranda: | ||
| Average total assets | $189,431,000 | 2,951 |
| Average earning assets | $170,959,000 | 2,998 |
| Average equity | $16,318,500 | 3,540 |
| Average total loans | $140,606,000 | 2,743 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 2,998 |
| Cost of funding earning assets | 1.2616% | 842 |
| Net interest margin | 3.2443% | 4,254 |
| Noninterest income to average assets | 2.2948% | 214 |
| Noninterest expense to average assets | 4.7626% | 251 |
| Loan and lease loss provision to assets | 0.0769% | 2,279 |
| Net operating income to assets | 0.3896% | 4,750 |
| Return on assets (ROA) | 0.3896% | 4,769 |
| Pretax return on assets | 0.3896% | 4,841 |
| Return on Equity (ROE) | 4.4981% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.2306% | 4,045 |
| Net charge-offs to loans | 0.0186% | 2,500 |
| Credit loss provision to net charge-offs | 553.8462% | 557 |
| Earnings coverage of net charge-offs (x) | 33.6154% | 1,376 |
| Efficiency ratio | 91.0798% | 314 |
| Assets per employee ($millions) | 2.7791% | 5,027 |
| Cash dividends to net income (ytd only)* | 50.4110% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 4,282 |
| Loan loss allowance to noncurrent loans | 266.1670% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 2,933 |
| Noncurrent loans to loans | 0.3177% | 3,394 |
| Net loans and leases to total assets | 74.9216% | 1,738 |
| Net loans and leases to deposits | 89.1007% | 1,849 |
| Net loans and leases to core deposits | 97.2750% | 1,949 |
| Total domestic deposits to total assets | 84.0864% | 2,823 |
| Equity capital to assets | 8.4626% | 5,057 |
| Core capital (leverage) ratio | 7.7053% | 5,212 |
| Tier 1 risk-based capital ratio | 11.2780% | 4,798 |
| Total risk-based capital ratio | 12.3527% | 4,775 |
| Memoranda: | ||
| Average total assets | $187,376,330 | 2,976 |
| Average earning assets | $169,468,330 | 3,026 |
| Average equity | $16,229,000 | 3,544 |
| Average total loans | $139,627,670 | 2,771 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 3,257 |
| Cost of funding earning assets | 1.2111% | 873 |
| Net interest margin | 3.1807% | 4,428 |
| Noninterest income to average assets | 1.7607% | 298 |
| Noninterest expense to average assets | 4.4310% | 316 |
| Loan and lease loss provision to assets | 0.0762% | 2,154 |
| Net operating income to assets | 0.1284% | 5,073 |
| Return on assets (ROA) | 0.1284% | 5,078 |
| Pretax return on assets | 0.1284% | 5,085 |
| Return on Equity (ROE) | 1.4647% | 5,031 |
| Retained earnings to average equity (ytd only) | 1.4647% | 4,208 |
| Net charge-offs to loans | 0.0118% | 2,268 |
| Credit loss provision to net charge-offs | 875.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,469 |
| Efficiency ratio | 95.5869% | 237 |
| Assets per employee ($millions) | 2.6966% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 4,295 |
| Loan loss allowance to noncurrent loans | 91.8306% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 1,773 |
| Noncurrent loans to loans | 0.9379% | 1,790 |
| Net loans and leases to total assets | 74.0281% | 1,798 |
| Net loans and leases to deposits | 89.2204% | 1,728 |
| Net loans and leases to core deposits | 97.2077% | 1,839 |
| Total domestic deposits to total assets | 82.9722% | 3,397 |
| Equity capital to assets | 8.5870% | 4,934 |
| Core capital (leverage) ratio | 8.0800% | 5,188 |
| Tier 1 risk-based capital ratio | 11.3795% | 4,796 |
| Total risk-based capital ratio | 12.4540% | 4,791 |
| Memoranda: | ||
| Average total assets | $183,795,500 | 3,049 |
| Average earning assets | $166,129,500 | 3,102 |
| Average equity | $16,112,000 | 3,565 |
| Average total loans | $135,944,500 | 2,841 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,356 |
| Cost of funding earning assets | 0.8941% | 1,113 |
| Net interest margin | 3.3363% | 4,162 |
| Noninterest income to average assets | 2.3043% | 222 |
| Noninterest expense to average assets | 4.8584% | 227 |
| Loan and lease loss provision to assets | 0.0808% | 2,511 |
| Net operating income to assets | 0.3624% | 4,917 |
| Return on assets (ROA) | 0.3624% | 4,912 |
| Pretax return on assets | 0.3624% | 4,975 |
| Return on Equity (ROE) | 3.9579% | 4,720 |
| Retained earnings to average equity (ytd only) | 1.5756% | 4,506 |
| Net charge-offs to loans | 0.0239% | 2,930 |
| Credit loss provision to net charge-offs | 466.6667% | 735 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 1,764 |
| Efficiency ratio | 91.6404% | 291 |
| Assets per employee ($millions) | 2.6298% | 5,163 |
| Cash dividends to net income (ytd only)* | 60.1911% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 4,139 |
| Loan loss allowance to noncurrent loans | 74.8420% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 1,387 |
| Noncurrent loans to loans | 1.2082% | 1,325 |
| Net loans and leases to total assets | 72.5576% | 2,165 |
| Net loans and leases to deposits | 86.1191% | 2,254 |
| Net loans and leases to core deposits | 93.9566% | 2,230 |
| Total domestic deposits to total assets | 84.2526% | 2,922 |
| Equity capital to assets | 8.9555% | 4,614 |
| Core capital (leverage) ratio | 8.0334% | 5,226 |
| Tier 1 risk-based capital ratio | 12.0475% | 4,396 |
| Total risk-based capital ratio | 13.1646% | 4,370 |
| Memoranda: | ||
| Average total assets | $173,286,200 | 3,131 |
| Average earning assets | $155,680,600 | 3,176 |
| Average equity | $15,866,800 | 3,526 |
| Average total loans | $125,573,800 | 2,934 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,629 |
| Cost of funding earning assets | 0.7567% | 1,556 |
| Net interest margin | 3.3430% | 4,174 |
| Noninterest income to average assets | 2.0950% | 256 |
| Noninterest expense to average assets | 4.6778% | 254 |
| Loan and lease loss provision to assets | 0.0814% | 2,323 |
| Net operating income to assets | 0.3374% | 5,051 |
| Return on assets (ROA) | 0.3374% | 5,045 |
| Pretax return on assets | 0.3374% | 5,101 |
| Return on Equity (ROE) | 3.6639% | 4,891 |
| Retained earnings to average equity (ytd only) | 1.2466% | 4,792 |
| Net charge-offs to loans | 0.0408% | 2,272 |
| Credit loss provision to net charge-offs | 276.3158% | 1,091 |
| Earnings coverage of net charge-offs (x) | 14.2092% | 2,298 |
| Efficiency ratio | 91.7821% | 285 |
| Assets per employee ($millions) | 2.3807% | 5,313 |
| Cash dividends to net income (ytd only)* | 65.9770% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 4,517 |
| Loan loss allowance to noncurrent loans | 97.2720% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 2,034 |
| Noncurrent loans to loans | 0.8552% | 1,990 |
| Net loans and leases to total assets | 73.2518% | 2,122 |
| Net loans and leases to deposits | 92.1148% | 1,607 |
| Net loans and leases to core deposits | 99.9464% | 1,802 |
| Total domestic deposits to total assets | 79.5223% | 4,216 |
| Equity capital to assets | 8.5188% | 4,910 |
| Core capital (leverage) ratio | 8.3728% | 5,159 |
| Tier 1 risk-based capital ratio | 11.7427% | 4,636 |
| Total risk-based capital ratio | 12.7999% | 4,651 |
| Memoranda: | ||
| Average total assets | $171,900,500 | 3,173 |
| Average earning assets | $154,350,500 | 3,219 |
| Average equity | $15,829,750 | 3,555 |
| Average total loans | $124,232,750 | 2,979 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,601 |
| Cost of funding earning assets | 0.7167% | 1,537 |
| Net interest margin | 3.3371% | 4,140 |
| Noninterest income to average assets | 2.2128% | 242 |
| Noninterest expense to average assets | 4.7459% | 248 |
| Loan and lease loss provision to assets | 0.0789% | 2,329 |
| Net operating income to assets | 0.3825% | 4,988 |
| Return on assets (ROA) | 0.3825% | 4,991 |
| Pretax return on assets | 0.3825% | 5,064 |
| Return on Equity (ROE) | 4.0421% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.7305% | 4,555 |
| Net charge-offs to loans | 0.0050% | 2,991 |
| Credit loss provision to net charge-offs | 2,200.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 128.6667% | 591 |
| Efficiency ratio | 91.1387% | 330 |
| Assets per employee ($millions) | 2.5029% | 5,331 |
| Cash dividends to net income (ytd only)* | 57.1875% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,311 |
| Loan loss allowance to noncurrent loans | 70.9738% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1686% | 1,241 |
| Noncurrent loans to loans | 1.2775% | 1,338 |
| Net loans and leases to total assets | 73.0126% | 2,111 |
| Net loans and leases to deposits | 84.9630% | 2,434 |
| Net loans and leases to core deposits | 92.2464% | 2,381 |
| Total domestic deposits to total assets | 85.9346% | 2,313 |
| Equity capital to assets | 9.3285% | 4,261 |
| Core capital (leverage) ratio | 8.8311% | 4,858 |
| Tier 1 risk-based capital ratio | 12.3548% | 4,270 |
| Total risk-based capital ratio | 13.4614% | 4,243 |
| Memoranda: | ||
| Average total assets | $167,302,330 | 3,242 |
| Average earning assets | $150,129,000 | 3,291 |
| Average equity | $15,833,330 | 3,578 |
| Average total loans | $119,921,670 | 3,035 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 3,770 |
| Cost of funding earning assets | 0.6896% | 1,500 |
| Net interest margin | 3.2677% | 4,268 |
| Noninterest income to average assets | 2.2502% | 231 |
| Noninterest expense to average assets | 4.6595% | 261 |
| Loan and lease loss provision to assets | 0.0699% | 2,362 |
| Net operating income to assets | 0.4462% | 4,825 |
| Return on assets (ROA) | 0.4462% | 4,824 |
| Pretax return on assets | 0.4462% | 4,965 |
| Return on Equity (ROE) | 4.6801% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.6801% | 3,318 |
| Net charge-offs to loans | 0.0068% | 2,491 |
| Credit loss provision to net charge-offs | 1,450.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 582 |
| Efficiency ratio | 90.0280% | 444 |
| Assets per employee ($millions) | 2.3454% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,294 |
| Loan loss allowance to noncurrent loans | 106.3768% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 1,779 |
| Noncurrent loans to loans | 0.8760% | 2,072 |
| Net loans and leases to total assets | 72.3233% | 2,118 |
| Net loans and leases to deposits | 82.5188% | 2,546 |
| Net loans and leases to core deposits | 89.4769% | 2,494 |
| Total domestic deposits to total assets | 87.6447% | 1,826 |
| Equity capital to assets | 9.8354% | 3,760 |
| Core capital (leverage) ratio | 9.0383% | 4,640 |
| Tier 1 risk-based capital ratio | 13.1119% | 3,893 |
| Total risk-based capital ratio | 14.2496% | 3,856 |
| Memoranda: | ||
| Average total assets | $165,854,500 | 3,296 |
| Average earning assets | $148,484,500 | 3,357 |
| Average equity | $15,811,500 | 3,612 |
| Average total loans | $117,181,000 | 3,099 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 3,895 |
| Cost of funding earning assets | 0.6612% | 1,241 |
| Net interest margin | 3.1859% | 4,486 |
| Noninterest income to average assets | 2.6090% | 210 |
| Noninterest expense to average assets | 4.7457% | 259 |
| Loan and lease loss provision to assets | 0.0728% | 2,750 |
| Net operating income to assets | 0.6573% | 3,792 |
| Return on assets (ROA) | 0.6573% | 3,830 |
| Pretax return on assets | 0.6573% | 4,612 |
| Return on Equity (ROE) | 6.9374% | 3,312 |
| Retained earnings to average equity (ytd only) | 3.6609% | 3,056 |
| Net charge-offs to loans | 0.0677% | 2,491 |
| Credit loss provision to net charge-offs | 151.2821% | 1,764 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 2,265 |
| Efficiency ratio | 86.6659% | 604 |
| Assets per employee ($millions) | 2.4620% | 5,471 |
| Cash dividends to net income (ytd only)* | 47.2300% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,350 |
| Loan loss allowance to noncurrent loans | 90.8629% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 1,228 |
| Noncurrent loans to loans | 1.0171% | 1,748 |
| Net loans and leases to total assets | 67.7812% | 2,855 |
| Net loans and leases to deposits | 76.6365% | 3,268 |
| Net loans and leases to core deposits | 82.7208% | 3,174 |
| Total domestic deposits to total assets | 88.4451% | 1,274 |
| Equity capital to assets | 9.2456% | 4,480 |
| Core capital (leverage) ratio | 8.7973% | 4,865 |
| Tier 1 risk-based capital ratio | 13.2968% | 3,742 |
| Total risk-based capital ratio | 14.4349% | 3,721 |
| Memoranda: | ||
| Average total assets | $162,019,000 | 3,325 |
| Average earning assets | $145,800,400 | 3,372 |
| Average equity | $15,351,600 | 3,676 |
| Average total loans | $115,204,600 | 3,118 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 3,917 |
| Cost of funding earning assets | 0.6483% | 1,249 |
| Net interest margin | 3.1770% | 4,516 |
| Noninterest income to average assets | 2.5299% | 224 |
| Noninterest expense to average assets | 4.7707% | 253 |
| Loan and lease loss provision to assets | 0.0625% | 2,824 |
| Net operating income to assets | 0.5581% | 4,547 |
| Return on assets (ROA) | 0.5581% | 4,583 |
| Pretax return on assets | 0.5581% | 4,910 |
| Return on Equity (ROE) | 5.8528% | 4,186 |
| Retained earnings to average equity (ytd only) | 2.5595% | 4,356 |
| Net charge-offs to loans | 0.0800% | 1,998 |
| Credit loss provision to net charge-offs | 108.6957% | 2,155 |
| Earnings coverage of net charge-offs (x) | 10.7968% | 2,557 |
| Efficiency ratio | 88.4889% | 480 |
| Assets per employee ($millions) | 2.4563% | 5,534 |
| Cash dividends to net income (ytd only)* | 56.2683% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 4,577 |
| Loan loss allowance to noncurrent loans | 50.9554% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.7700% | 796 |
| Noncurrent loans to loans | 1.7624% | 1,021 |
| Net loans and leases to total assets | 69.7358% | 2,602 |
| Net loans and leases to deposits | 79.0570% | 3,064 |
| Net loans and leases to core deposits | 86.0555% | 2,961 |
| Total domestic deposits to total assets | 88.2096% | 1,253 |
| Equity capital to assets | 9.3806% | 4,562 |
| Core capital (leverage) ratio | 8.9481% | 4,802 |
| Tier 1 risk-based capital ratio | 13.4703% | 3,722 |
| Total risk-based capital ratio | 14.6049% | 3,703 |
| Memoranda: | ||
| Average total assets | $160,054,750 | 3,374 |
| Average earning assets | $144,156,750 | 3,423 |
| Average equity | $15,263,000 | 3,720 |
| Average total loans | $114,951,250 | 3,148 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 3,996 |
| Cost of funding earning assets | 0.6253% | 1,305 |
| Net interest margin | 3.1461% | 4,556 |
| Noninterest income to average assets | 2.4636% | 234 |
| Noninterest expense to average assets | 4.7973% | 252 |
| Loan and lease loss provision to assets | 0.0744% | 2,480 |
| Net operating income to assets | 0.4226% | 4,923 |
| Return on assets (ROA) | 0.4226% | 4,950 |
| Pretax return on assets | 0.4226% | 5,139 |
| Return on Equity (ROE) | 4.4065% | 4,694 |
| Retained earnings to average equity (ytd only) | 1.3943% | 4,695 |
| Net charge-offs to loans | 0.0994% | 1,628 |
| Credit loss provision to net charge-offs | 103.5088% | 1,962 |
| Earnings coverage of net charge-offs (x) | 6.9123% | 2,659 |
| Efficiency ratio | 90.6123% | 423 |
| Assets per employee ($millions) | 2.4585% | 5,571 |
| Cash dividends to net income (ytd only)* | 68.3582% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,640 |
| Loan loss allowance to noncurrent loans | 46.5200% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.7797% | 779 |
| Noncurrent loans to loans | 1.9343% | 891 |
| Net loans and leases to total assets | 71.3996% | 2,301 |
| Net loans and leases to deposits | 83.4519% | 2,549 |
| Net loans and leases to core deposits | 90.1761% | 2,504 |
| Total domestic deposits to total assets | 85.5578% | 2,588 |
| Equity capital to assets | 9.5368% | 4,374 |
| Core capital (leverage) ratio | 9.1150% | 4,596 |
| Tier 1 risk-based capital ratio | 13.6023% | 3,636 |
| Total risk-based capital ratio | 14.7486% | 3,615 |
| Memoranda: | ||
| Average total assets | $158,548,330 | 3,409 |
| Average earning assets | $142,653,330 | 3,455 |
| Average equity | $15,204,670 | 3,737 |
| Average total loans | $114,666,000 | 3,160 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,009 |
| Cost of funding earning assets | 0.6089% | 1,311 |
| Net interest margin | 3.1205% | 4,602 |
| Noninterest income to average assets | 2.2923% | 261 |
| Noninterest expense to average assets | 4.7669% | 274 |
| Loan and lease loss provision to assets | 0.0633% | 2,537 |
| Net operating income to assets | 0.2660% | 5,271 |
| Return on assets (ROA) | 0.2660% | 5,288 |
| Pretax return on assets | 0.2660% | 5,356 |
| Return on Equity (ROE) | 2.7655% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.7655% | 4,025 |
| Net charge-offs to loans | 0.1503% | 1,060 |
| Credit loss provision to net charge-offs | 58.1395% | 1,922 |
| Earnings coverage of net charge-offs (x) | 3.0233% | 2,520 |
| Efficiency ratio | 93.5388% | 400 |
| Assets per employee ($millions) | 1.9434% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 4,751 |
| Loan loss allowance to noncurrent loans | 41.3008% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.9547% | 681 |
| Noncurrent loans to loans | 2.1829% | 779 |
| Net loans and leases to total assets | 70.9428% | 2,230 |
| Net loans and leases to deposits | 84.5435% | 2,217 |
| Net loans and leases to core deposits | 91.6083% | 2,205 |
| Total domestic deposits to total assets | 83.9128% | 3,509 |
| Equity capital to assets | 9.6807% | 4,087 |
| Core capital (leverage) ratio | 9.2862% | 4,364 |
| Tier 1 risk-based capital ratio | 14.0934% | 3,417 |
| Total risk-based capital ratio | 15.2493% | 3,392 |
| Memoranda: | ||
| Average total assets | $157,921,500 | 3,453 |
| Average earning assets | $141,898,500 | 3,496 |
| Average equity | $15,187,000 | 3,762 |
| Average total loans | $114,432,000 | 3,186 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 3,834 |
| Cost of funding earning assets | 0.6224% | 1,191 |
| Net interest margin | 3.1978% | 4,459 |
| Noninterest income to average assets | 3.6871% | 156 |
| Noninterest expense to average assets | 5.5777% | 201 |
| Loan and lease loss provision to assets | 0.0531% | 3,320 |
| Net operating income to assets | 0.9231% | 2,706 |
| Return on assets (ROA) | 0.9231% | 2,827 |
| Pretax return on assets | 0.9231% | 3,758 |
| Return on Equity (ROE) | 9.1213% | 2,361 |
| Retained earnings to average equity (ytd only) | 3.1302% | 3,678 |
| Net charge-offs to loans | 0.0904% | 2,405 |
| Credit loss provision to net charge-offs | 85.7143% | 2,877 |
| Earnings coverage of net charge-offs (x) | 15.7473% | 2,181 |
| Efficiency ratio | 85.1040% | 895 |
| Assets per employee ($millions) | 2.2632% | 5,747 |
| Cash dividends to net income (ytd only)* | 65.6827% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,814 |
| Loan loss allowance to noncurrent loans | 57.2219% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.6796% | 923 |
| Noncurrent loans to loans | 1.5555% | 1,275 |
| Net loans and leases to total assets | 72.6762% | 2,068 |
| Net loans and leases to deposits | 84.5397% | 2,358 |
| Net loans and leases to core deposits | 92.0684% | 2,296 |
| Total domestic deposits to total assets | 85.9669% | 2,599 |
| Equity capital to assets | 9.5534% | 4,216 |
| Core capital (leverage) ratio | 9.3674% | 4,261 |
| Tier 1 risk-based capital ratio | 14.1949% | 3,351 |
| Total risk-based capital ratio | 15.3539% | 3,325 |
| Memoranda: | ||
| Average total assets | $146,781,800 | 3,568 |
| Average earning assets | $131,589,400 | 3,625 |
| Average equity | $14,855,400 | 3,827 |
| Average total loans | $100,618,600 | 3,371 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,056 |
| Cost of funding earning assets | 0.6222% | 1,189 |
| Net interest margin | 3.1350% | 4,686 |
| Noninterest income to average assets | 3.6384% | 166 |
| Noninterest expense to average assets | 5.4687% | 212 |
| Loan and lease loss provision to assets | 0.0686% | 2,851 |
| Net operating income to assets | 0.9073% | 2,862 |
| Return on assets (ROA) | 0.9073% | 3,003 |
| Pretax return on assets | 0.9073% | 3,956 |
| Return on Equity (ROE) | 8.8282% | 2,592 |
| Retained earnings to average equity (ytd only) | 2.6602% | 4,319 |
| Net charge-offs to loans | 0.1296% | 1,667 |
| Credit loss provision to net charge-offs | 78.7234% | 2,681 |
| Earnings coverage of net charge-offs (x) | 11.2021% | 2,515 |
| Efficiency ratio | 84.8576% | 918 |
| Assets per employee ($millions) | 1.8619% | 5,876 |
| Cash dividends to net income (ytd only)* | 69.8675% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,599 |
| Loan loss allowance to noncurrent loans | 51.1200% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.9560% | 803 |
| Noncurrent loans to loans | 1.8858% | 1,068 |
| Net loans and leases to total assets | 69.9556% | 2,495 |
| Net loans and leases to deposits | 79.2323% | 3,059 |
| Net loans and leases to core deposits | 86.2526% | 2,927 |
| Total domestic deposits to total assets | 88.2918% | 1,244 |
| Equity capital to assets | 9.9220% | 4,214 |
| Core capital (leverage) ratio | 9.7573% | 3,866 |
| Tier 1 risk-based capital ratio | 15.0018% | 3,048 |
| Total risk-based capital ratio | 16.2107% | 2,999 |
| Memoranda: | ||
| Average total assets | $143,870,750 | 3,626 |
| Average earning assets | $128,779,250 | 3,691 |
| Average equity | $14,785,500 | 3,868 |
| Average total loans | $96,730,250 | 3,454 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 4,154 |
| Cost of funding earning assets | 0.6222% | 1,183 |
| Net interest margin | 3.1187% | 4,780 |
| Noninterest income to average assets | 3.1210% | 192 |
| Noninterest expense to average assets | 5.0962% | 253 |
| Loan and lease loss provision to assets | 0.0127% | 3,848 |
| Net operating income to assets | 0.8025% | 3,298 |
| Return on assets (ROA) | 0.8025% | 3,436 |
| Pretax return on assets | 0.8025% | 4,270 |
| Return on Equity (ROE) | 7.7142% | 3,134 |
| Retained earnings to average equity (ytd only) | 2.3088% | 4,402 |
| Net charge-offs to loans | 0.1477% | 1,444 |
| Credit loss provision to net charge-offs | 13.0435% | 2,976 |
| Earnings coverage of net charge-offs (x) | 8.3623% | 2,519 |
| Efficiency ratio | 86.2094% | 858 |
| Assets per employee ($millions) | 2.4271% | 5,820 |
| Cash dividends to net income (ytd only)* | 70.0704% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 4,650 |
| Loan loss allowance to noncurrent loans | 58.2989% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.3205% | 643 |
| Noncurrent loans to loans | 1.6710% | 1,272 |
| Net loans and leases to total assets | 70.0626% | 2,472 |
| Net loans and leases to deposits | 79.6882% | 2,969 |
| Net loans and leases to core deposits | 86.9990% | 2,817 |
| Total domestic deposits to total assets | 87.9210% | 1,477 |
| Equity capital to assets | 10.3248% | 3,823 |
| Core capital (leverage) ratio | 9.9822% | 3,582 |
| Tier 1 risk-based capital ratio | 15.2286% | 2,971 |
| Total risk-based capital ratio | 16.3996% | 2,940 |
| Memoranda: | ||
| Average total assets | $141,555,330 | 3,683 |
| Average earning assets | $126,654,670 | 3,746 |
| Average equity | $14,726,000 | 3,896 |
| Average total loans | $93,463,000 | 3,537 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,316 |
| Cost of funding earning assets | 0.6186% | 1,224 |
| Net interest margin | 3.0837% | 4,905 |
| Noninterest income to average assets | 2.4699% | 257 |
| Noninterest expense to average assets | 4.7551% | 328 |
| Loan and lease loss provision to assets | 0.0142% | 3,508 |
| Net operating income to assets | 0.4633% | 4,766 |
| Return on assets (ROA) | 0.4633% | 4,854 |
| Pretax return on assets | 0.4633% | 5,171 |
| Return on Equity (ROE) | 4.4364% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.4364% | 3,269 |
| Net charge-offs to loans | 0.2457% | 838 |
| Credit loss provision to net charge-offs | 9.0909% | 2,365 |
| Earnings coverage of net charge-offs (x) | 3.0545% | 2,593 |
| Efficiency ratio | 90.8745% | 613 |
| Assets per employee ($millions) | 2.3047% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 4,172 |
| Loan loss allowance to noncurrent loans | 57.2002% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.5116% | 587 |
| Noncurrent loans to loans | 1.8873% | 1,169 |
| Net loans and leases to total assets | 64.9814% | 3,111 |
| Net loans and leases to deposits | 74.0955% | 3,428 |
| Net loans and leases to core deposits | 81.1895% | 3,217 |
| Total domestic deposits to total assets | 87.6995% | 1,802 |
| Equity capital to assets | 10.5116% | 3,475 |
| Core capital (leverage) ratio | 10.1260% | 3,396 |
| Tier 1 risk-based capital ratio | 15.9008% | 2,729 |
| Total risk-based capital ratio | 17.1183% | 2,681 |
| Memoranda: | ||
| Average total assets | $140,733,500 | 3,727 |
| Average earning assets | $126,081,500 | 3,787 |
| Average equity | $14,696,500 | 3,905 |
| Average total loans | $89,536,500 | 3,627 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 2,679 |
| Cost of funding earning assets | 0.6170% | 1,261 |
| Net interest margin | 3.5508% | 3,320 |
| Noninterest income to average assets | 3.0590% | 201 |
| Noninterest expense to average assets | 5.1256% | 257 |
| Loan and lease loss provision to assets | 0.0129% | 4,152 |
| Net operating income to assets | 1.0831% | 1,996 |
| Return on assets (ROA) | 1.0831% | 2,062 |
| Pretax return on assets | 1.0831% | 3,142 |
| Return on Equity (ROE) | 9.7193% | 2,121 |
| Retained earnings to average equity (ytd only) | 2.6501% | 4,183 |
| Net charge-offs to loans | 0.5420% | 472 |
| Credit loss provision to net charge-offs | 3.4979% | 3,874 |
| Earnings coverage of net charge-offs (x) | 2.9630% | 3,800 |
| Efficiency ratio | 82.3832% | 1,356 |
| Assets per employee ($millions) | 2.3878% | 5,939 |
| Cash dividends to net income (ytd only)* | 72.7337% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 3,439 |
| Loan loss allowance to noncurrent loans | 70.3629% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.3673% | 675 |
| Noncurrent loans to loans | 1.7159% | 1,313 |
| Net loans and leases to total assets | 60.8132% | 3,724 |
| Net loans and leases to deposits | 69.2240% | 3,997 |
| Net loans and leases to core deposits | 75.6101% | 3,790 |
| Total domestic deposits to total assets | 87.8499% | 1,722 |
| Equity capital to assets | 10.3742% | 3,531 |
| Core capital (leverage) ratio | 9.9879% | 3,528 |
| Tier 1 risk-based capital ratio | 16.7816% | 2,367 |
| Total risk-based capital ratio | 18.0470% | 2,316 |
| Memoranda: | ||
| Average total assets | $131,380,800 | 3,865 |
| Average earning assets | $117,016,000 | 3,949 |
| Average equity | $14,641,000 | 3,886 |
| Average total loans | $89,662,200 | 3,596 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,117 |
| Cost of funding earning assets | 0.6151% | 1,313 |
| Net interest margin | 3.4407% | 3,794 |
| Noninterest income to average assets | 3.3021% | 188 |
| Noninterest expense to average assets | 5.0746% | 269 |
| Loan and lease loss provision to assets | 0.0124% | 4,022 |
| Net operating income to assets | 1.2733% | 1,411 |
| Return on assets (ROA) | 1.2733% | 1,468 |
| Pretax return on assets | 1.2733% | 2,500 |
| Return on Equity (ROE) | 11.2144% | 1,620 |
| Retained earnings to average equity (ytd only) | 4.0689% | 3,564 |
| Net charge-offs to loans | 0.7006% | 303 |
| Credit loss provision to net charge-offs | 2.5263% | 3,507 |
| Earnings coverage of net charge-offs (x) | 2.6189% | 3,636 |
| Efficiency ratio | 79.7855% | 1,690 |
| Assets per employee ($millions) | 2.2518% | 6,070 |
| Cash dividends to net income (ytd only)* | 63.7173% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 3,601 |
| Loan loss allowance to noncurrent loans | 55.8029% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 3.0063% | 502 |
| Noncurrent loans to loans | 2.1664% | 1,027 |
| Net loans and leases to total assets | 64.7686% | 3,188 |
| Net loans and leases to deposits | 74.5213% | 3,485 |
| Net loans and leases to core deposits | 81.7412% | 3,279 |
| Total domestic deposits to total assets | 86.9129% | 2,090 |
| Equity capital to assets | 11.0443% | 2,967 |
| Core capital (leverage) ratio | 11.0034% | 2,487 |
| Tier 1 risk-based capital ratio | 18.2955% | 1,959 |
| Total risk-based capital ratio | 19.5474% | 1,917 |
| Memoranda: | ||
| Average total assets | $129,006,250 | 3,944 |
| Average earning assets | $114,662,750 | 4,030 |
| Average equity | $14,647,500 | 3,926 |
| Average total loans | $90,397,750 | 3,615 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 2,723 |
| Cost of funding earning assets | 0.5918% | 1,473 |
| Net interest margin | 3.5563% | 3,262 |
| Noninterest income to average assets | 3.5483% | 180 |
| Noninterest expense to average assets | 5.0954% | 273 |
| Loan and lease loss provision to assets | 0.0125% | 3,868 |
| Net operating income to assets | 1.6019% | 740 |
| Return on assets (ROA) | 1.6019% | 765 |
| Pretax return on assets | 1.6019% | 1,323 |
| Return on Equity (ROE) | 13.9764% | 906 |
| Retained earnings to average equity (ytd only) | 6.6671% | 1,866 |
| Net charge-offs to loans | 0.5989% | 399 |
| Credit loss provision to net charge-offs | 2.9197% | 3,140 |
| Earnings coverage of net charge-offs (x) | 3.7628% | 3,140 |
| Efficiency ratio | 75.9393% | 2,366 |
| Assets per employee ($millions) | 2.3153% | 6,124 |
| Cash dividends to net income (ytd only)* | 52.2972% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 3,095 |
| Loan loss allowance to noncurrent loans | 51.0412% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 3.1385% | 509 |
| Noncurrent loans to loans | 2.6012% | 848 |
| Net loans and leases to total assets | 70.3937% | 2,260 |
| Net loans and leases to deposits | 81.1212% | 2,653 |
| Net loans and leases to core deposits | 88.7509% | 2,478 |
| Total domestic deposits to total assets | 86.7760% | 2,282 |
| Equity capital to assets | 11.1501% | 2,719 |
| Core capital (leverage) ratio | 11.2696% | 2,189 |
| Tier 1 risk-based capital ratio | 18.6769% | 1,878 |
| Total risk-based capital ratio | 19.9322% | 1,838 |
| Memoranda: | ||
| Average total assets | $127,723,000 | 4,000 |
| Average earning assets | $113,546,000 | 4,085 |
| Average equity | $14,639,000 | 3,943 |
| Average total loans | $91,496,330 | 3,606 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 2,349 |
| Cost of funding earning assets | 0.5721% | 1,642 |
| Net interest margin | 3.6577% | 2,784 |
| Noninterest income to average assets | 3.6867% | 175 |
| Noninterest expense to average assets | 4.9676% | 299 |
| Loan and lease loss provision to assets | 0.0096% | 3,598 |
| Net operating income to assets | 1.9692% | 357 |
| Return on assets (ROA) | 1.9692% | 379 |
| Pretax return on assets | 1.9692% | 619 |
| Return on Equity (ROE) | 17.0061% | 471 |
| Retained earnings to average equity (ytd only) | 17.0061% | 180 |
| Net charge-offs to loans | 0.6743% | 362 |
| Credit loss provision to net charge-offs | 1.9737% | 2,484 |
| Earnings coverage of net charge-offs (x) | 4.0855% | 2,534 |
| Efficiency ratio | 71.5138% | 3,247 |
| Assets per employee ($millions) | 2.1624% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 2,295 |
| Loan loss allowance to noncurrent loans | 53.9463% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 3.1781% | 562 |
| Noncurrent loans to loans | 2.8454% | 797 |
| Net loans and leases to total assets | 69.9160% | 2,156 |
| Net loans and leases to deposits | 82.6715% | 2,250 |
| Net loans and leases to core deposits | 89.8977% | 2,143 |
| Total domestic deposits to total assets | 84.5709% | 3,592 |
| Equity capital to assets | 11.8363% | 2,163 |
| Core capital (leverage) ratio | 11.4330% | 2,048 |
| Tier 1 risk-based capital ratio | 17.9277% | 2,159 |
| Total risk-based capital ratio | 19.1641% | 2,124 |
| Memoranda: | ||
| Average total assets | $125,533,500 | 4,075 |
| Average earning assets | $111,874,000 | 4,146 |
| Average equity | $14,536,000 | 3,987 |
| Average total loans | $90,169,500 | 3,644 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,665 |
| Cost of funding earning assets | 0.5671% | 2,071 |
| Net interest margin | 3.7170% | 2,947 |
| Noninterest income to average assets | 2.5709% | 230 |
| Noninterest expense to average assets | 4.8303% | 356 |
| Loan and lease loss provision to assets | 0.1324% | 1,973 |
| Net operating income to assets | 0.9621% | 2,570 |
| Return on assets (ROA) | 0.9621% | 2,655 |
| Pretax return on assets | 0.9621% | 3,638 |
| Return on Equity (ROE) | 8.4472% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.0549% | 3,323 |
| Net charge-offs to loans | 0.2266% | 1,857 |
| Credit loss provision to net charge-offs | 81.4070% | 2,835 |
| Earnings coverage of net charge-offs (x) | 6.7286% | 3,143 |
| Efficiency ratio | 81.5259% | 1,714 |
| Assets per employee ($millions) | 2.1663% | 6,325 |
| Cash dividends to net income (ytd only)* | 51.9966% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,889 |
| Loan loss allowance to noncurrent loans | 46.7180% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 3.4764% | 536 |
| Noncurrent loans to loans | 3.5548% | 571 |
| Net loans and leases to total assets | 71.4440% | 2,007 |
| Net loans and leases to deposits | 82.4104% | 2,420 |
| Net loans and leases to core deposits | 89.4068% | 2,344 |
| Total domestic deposits to total assets | 86.6930% | 2,455 |
| Equity capital to assets | 11.3229% | 2,587 |
| Core capital (leverage) ratio | 11.1487% | 2,262 |
| Tier 1 risk-based capital ratio | 16.1840% | 2,866 |
| Total risk-based capital ratio | 17.4228% | 2,816 |
| Memoranda: | ||
| Average total assets | $122,332,000 | 4,132 |
| Average earning assets | $110,386,200 | 4,175 |
| Average equity | $13,933,600 | 4,037 |
| Average total loans | $87,803,000 | 3,679 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,674 |
| Cost of funding earning assets | 0.5664% | 2,135 |
| Net interest margin | 3.7239% | 2,931 |
| Noninterest income to average assets | 2.4295% | 252 |
| Noninterest expense to average assets | 4.7065% | 384 |
| Loan and lease loss provision to assets | 0.1778% | 1,385 |
| Net operating income to assets | 0.9075% | 2,879 |
| Return on assets (ROA) | 0.9075% | 2,972 |
| Pretax return on assets | 0.9075% | 3,952 |
| Return on Equity (ROE) | 7.9554% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.3480% | 3,561 |
| Net charge-offs to loans | 0.2776% | 1,415 |
| Credit loss provision to net charge-offs | 89.5028% | 2,441 |
| Earnings coverage of net charge-offs (x) | 5.4640% | 3,258 |
| Efficiency ratio | 81.2618% | 1,713 |
| Assets per employee ($millions) | 2.3891% | 6,302 |
| Cash dividends to net income (ytd only)* | 45.3448% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 2,180 |
| Loan loss allowance to noncurrent loans | 66.7537% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.9106% | 826 |
| Noncurrent loans to loans | 2.4509% | 1,206 |
| Net loans and leases to total assets | 71.4877% | 1,939 |
| Net loans and leases to deposits | 85.1242% | 2,017 |
| Net loans and leases to core deposits | 93.0599% | 1,950 |
| Total domestic deposits to total assets | 83.9804% | 3,777 |
| Equity capital to assets | 10.9394% | 3,015 |
| Core capital (leverage) ratio | 11.2211% | 2,293 |
| Tier 1 risk-based capital ratio | 15.4353% | 3,356 |
| Total risk-based capital ratio | 16.6865% | 3,288 |
| Memoranda: | ||
| Average total assets | $121,503,000 | 4,189 |
| Average earning assets | $109,702,500 | 4,225 |
| Average equity | $13,860,250 | 4,068 |
| Average total loans | $86,932,750 | 3,731 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,329 |
| Cost of funding earning assets | 0.5760% | 2,107 |
| Net interest margin | 3.7847% | 2,618 |
| Noninterest income to average assets | 2.1731% | 307 |
| Noninterest expense to average assets | 4.6605% | 400 |
| Loan and lease loss provision to assets | 0.2555% | 848 |
| Net operating income to assets | 0.6807% | 3,939 |
| Return on assets (ROA) | 0.6807% | 4,037 |
| Pretax return on assets | 0.6807% | 4,708 |
| Return on Equity (ROE) | 5.8798% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.3972% | 4,041 |
| Net charge-offs to loans | 0.3662% | 1,114 |
| Credit loss provision to net charge-offs | 98.0645% | 2,046 |
| Earnings coverage of net charge-offs (x) | 3.5935% | 3,264 |
| Efficiency ratio | 83.2733% | 1,593 |
| Assets per employee ($millions) | 2.1242% | 6,467 |
| Cash dividends to net income (ytd only)* | 42.2222% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 2,049 |
| Loan loss allowance to noncurrent loans | 71.1662% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.9017% | 890 |
| Noncurrent loans to loans | 2.4265% | 1,291 |
| Net loans and leases to total assets | 71.5967% | 1,811 |
| Net loans and leases to deposits | 82.6269% | 2,177 |
| Net loans and leases to core deposits | 90.4523% | 2,081 |
| Total domestic deposits to total assets | 86.6506% | 2,672 |
| Equity capital to assets | 11.2780% | 2,631 |
| Core capital (leverage) ratio | 11.5669% | 1,950 |
| Tier 1 risk-based capital ratio | 16.0031% | 3,082 |
| Total risk-based capital ratio | 17.2596% | 3,019 |
| Memoranda: | ||
| Average total assets | $119,000,330 | 4,264 |
| Average earning assets | $107,644,670 | 4,296 |
| Average equity | $13,776,000 | 4,088 |
| Average total loans | $84,656,670 | 3,802 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,414 |
| Cost of funding earning assets | 0.5865% | 2,105 |
| Net interest margin | 3.7423% | 2,705 |
| Noninterest income to average assets | 1.7280% | 425 |
| Noninterest expense to average assets | 4.6502% | 397 |
| Loan and lease loss provision to assets | 0.0924% | 2,375 |
| Net operating income to assets | 0.3696% | 5,235 |
| Return on assets (ROA) | 0.3696% | 5,299 |
| Pretax return on assets | 0.3696% | 5,543 |
| Return on Equity (ROE) | 3.1495% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.1495% | 4,238 |
| Net charge-offs to loans | 0.7259% | 479 |
| Credit loss provision to net charge-offs | 18.1208% | 2,526 |
| Earnings coverage of net charge-offs (x) | 0.9060% | 3,236 |
| Efficiency ratio | 90.9639% | 957 |
| Assets per employee ($millions) | 2.0958% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 2,270 |
| Loan loss allowance to noncurrent loans | 73.4463% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 3.1535% | 866 |
| Noncurrent loans to loans | 2.3494% | 1,498 |
| Net loans and leases to total assets | 70.6536% | 1,780 |
| Net loans and leases to deposits | 82.2470% | 2,024 |
| Net loans and leases to core deposits | 90.7047% | 1,851 |
| Total domestic deposits to total assets | 85.9042% | 3,414 |
| Equity capital to assets | 11.9469% | 1,906 |
| Core capital (leverage) ratio | 11.7582% | 1,795 |
| Tier 1 risk-based capital ratio | 16.5940% | 2,851 |
| Total risk-based capital ratio | 17.8460% | 2,821 |
| Memoranda: | ||
| Average total assets | $116,898,500 | 4,340 |
| Average earning assets | $105,710,000 | 4,370 |
| Average equity | $13,716,500 | 4,101 |
| Average total loans | $82,105,000 | 3,884 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 3,119 |
| Cost of funding earning assets | 0.7083% | 1,755 |
| Net interest margin | 3.5499% | 3,681 |
| Noninterest income to average assets | 2.7919% | 243 |
| Noninterest expense to average assets | 4.7188% | 437 |
| Loan and lease loss provision to assets | 0.5196% | 535 |
| Net operating income to assets | 0.7543% | 3,523 |
| Return on assets (ROA) | 0.7543% | 3,617 |
| Pretax return on assets | 0.7543% | 4,322 |
| Return on Equity (ROE) | 6.6471% | 3,747 |
| Retained earnings to average equity (ytd only) | 2.8656% | 4,212 |
| Net charge-offs to loans | 0.4087% | 1,646 |
| Credit loss provision to net charge-offs | 183.9763% | 1,249 |
| Earnings coverage of net charge-offs (x) | 4.5104% | 3,546 |
| Efficiency ratio | 78.7413% | 2,355 |
| Assets per employee ($millions) | 2.1551% | 6,587 |
| Cash dividends to net income (ytd only)* | 56.8889% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 1,765 |
| Loan loss allowance to noncurrent loans | 63.7259% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.5055% | 834 |
| Noncurrent loans to loans | 2.9961% | 1,151 |
| Net loans and leases to total assets | 67.3135% | 2,472 |
| Net loans and leases to deposits | 77.9693% | 2,723 |
| Net loans and leases to core deposits | 85.4707% | 2,512 |
| Total domestic deposits to total assets | 86.3333% | 3,094 |
| Equity capital to assets | 11.5263% | 2,143 |
| Core capital (leverage) ratio | 11.4544% | 1,994 |
| Tier 1 risk-based capital ratio | 16.5484% | 2,827 |
| Total risk-based capital ratio | 17.8020% | 2,797 |
| Memoranda: | ||
| Average total assets | $119,311,200 | 4,288 |
| Average earning assets | $107,579,400 | 4,321 |
| Average equity | $13,539,800 | 4,159 |
| Average total loans | $82,459,200 | 3,868 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 3,403 |
| Cost of funding earning assets | 0.7314% | 1,728 |
| Net interest margin | 3.4628% | 4,043 |
| Noninterest income to average assets | 2.9666% | 240 |
| Noninterest expense to average assets | 4.6445% | 460 |
| Loan and lease loss provision to assets | 0.6080% | 397 |
| Net operating income to assets | 0.8356% | 3,162 |
| Return on assets (ROA) | 0.8356% | 3,289 |
| Pretax return on assets | 0.8356% | 4,160 |
| Return on Equity (ROE) | 7.3923% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.0102% | 4,519 |
| Net charge-offs to loans | -0.0258% | 6,121 |
| Credit loss provision to net charge-offs | -3,406.2500% | 6,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2873% | 2,685 |
| Assets per employee ($millions) | 1.9250% | 6,724 |
| Cash dividends to net income (ytd only)* | 59.2796% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2423% | 1,264 |
| Loan loss allowance to noncurrent loans | 53.3664% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 3.9800% | 786 |
| Noncurrent loans to loans | 4.2017% | 821 |
| Net loans and leases to total assets | 66.8865% | 2,482 |
| Net loans and leases to deposits | 77.4418% | 2,753 |
| Net loans and leases to core deposits | 85.1116% | 2,530 |
| Total domestic deposits to total assets | 86.3700% | 3,041 |
| Equity capital to assets | 11.3786% | 2,403 |
| Core capital (leverage) ratio | 11.5206% | 2,022 |
| Tier 1 risk-based capital ratio | 16.7429% | 2,845 |
| Total risk-based capital ratio | 18.0165% | 2,774 |
| Memoranda: | ||
| Average total assets | $119,506,750 | 4,326 |
| Average earning assets | $107,732,000 | 4,363 |
| Average equity | $13,509,250 | 4,210 |
| Average total loans | $82,739,250 | 3,891 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 3,302 |
| Cost of funding earning assets | 0.7312% | 1,832 |
| Net interest margin | 3.4848% | 3,841 |
| Noninterest income to average assets | 3.4962% | 208 |
| Noninterest expense to average assets | 4.7390% | 433 |
| Loan and lease loss provision to assets | 0.7611% | 289 |
| Net operating income to assets | 1.1291% | 1,821 |
| Return on assets (ROA) | 1.1291% | 1,939 |
| Pretax return on assets | 1.1291% | 2,981 |
| Return on Equity (ROE) | 10.0106% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.9153% | 3,802 |
| Net charge-offs to loans | -0.0529% | 6,291 |
| Credit loss provision to net charge-offs | -2,068.1818% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4862% | 3,559 |
| Assets per employee ($millions) | 1.9187% | 6,776 |
| Cash dividends to net income (ytd only)* | 60.8889% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 1,670 |
| Loan loss allowance to noncurrent loans | 51.8398% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 3.9854% | 870 |
| Noncurrent loans to loans | 4.0169% | 963 |
| Net loans and leases to total assets | 69.0557% | 2,057 |
| Net loans and leases to deposits | 80.3553% | 2,278 |
| Net loans and leases to core deposits | 88.3854% | 2,071 |
| Total domestic deposits to total assets | 85.9380% | 3,407 |
| Equity capital to assets | 11.3812% | 2,397 |
| Core capital (leverage) ratio | 11.4878% | 1,945 |
| Tier 1 risk-based capital ratio | 16.4592% | 2,953 |
| Total risk-based capital ratio | 17.7308% | 2,901 |
| Memoranda: | ||
| Average total assets | $119,560,000 | 4,359 |
| Average earning assets | $107,496,670 | 4,400 |
| Average equity | $13,485,670 | 4,240 |
| Average total loans | $83,099,670 | 3,896 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,696 |
| Cost of funding earning assets | 0.7380% | 1,942 |
| Net interest margin | 3.3693% | 4,237 |
| Noninterest income to average assets | 3.4974% | 206 |
| Noninterest expense to average assets | 4.6387% | 480 |
| Loan and lease loss provision to assets | 0.6441% | 375 |
| Net operating income to assets | 1.2314% | 1,430 |
| Return on assets (ROA) | 1.2314% | 1,541 |
| Pretax return on assets | 1.2314% | 2,464 |
| Return on Equity (ROE) | 10.9666% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.9666% | 886 |
| Net charge-offs to loans | -0.1403% | 6,574 |
| Credit loss provision to net charge-offs | -665.5172% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2090% | 3,759 |
| Assets per employee ($millions) | 1.9733% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 2,639 |
| Loan loss allowance to noncurrent loans | 45.8090% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 3.9848% | 1,001 |
| Noncurrent loans to loans | 3.9174% | 1,165 |
| Net loans and leases to total assets | 68.9603% | 1,847 |
| Net loans and leases to deposits | 79.9454% | 2,080 |
| Net loans and leases to core deposits | 87.9421% | 1,914 |
| Total domestic deposits to total assets | 86.2593% | 3,382 |
| Equity capital to assets | 11.5228% | 2,391 |
| Core capital (leverage) ratio | 11.4592% | 1,905 |
| Tier 1 risk-based capital ratio | 16.7030% | 2,904 |
| Total risk-based capital ratio | 17.9714% | 2,867 |
| Memoranda: | ||
| Average total assets | $119,860,500 | 4,400 |
| Average earning assets | $107,321,500 | 4,437 |
| Average equity | $13,459,000 | 4,293 |
| Average total loans | $82,702,000 | 3,931 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 2,919 |
| Cost of funding earning assets | 0.8703% | 2,137 |
| Net interest margin | 3.7496% | 3,439 |
| Noninterest income to average assets | 4.7407% | 154 |
| Noninterest expense to average assets | 6.0638% | 217 |
| Loan and lease loss provision to assets | 0.5424% | 1,060 |
| Net operating income to assets | 1.4871% | 941 |
| Return on assets (ROA) | 1.4871% | 1,041 |
| Pretax return on assets | 1.4871% | 1,719 |
| Return on Equity (ROE) | 13.5719% | 1,085 |
| Retained earnings to average equity (ytd only) | 5.7686% | 2,210 |
| Net charge-offs to loans | 0.3089% | 3,100 |
| Credit loss provision to net charge-offs | 252.9880% | 957 |
| Earnings coverage of net charge-offs (x) | 9.4661% | 2,264 |
| Efficiency ratio | 74.9235% | 2,917 |
| Assets per employee ($millions) | 1.9568% | 6,913 |
| Cash dividends to net income (ytd only)* | 57.4957% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 3,553 |
| Loan loss allowance to noncurrent loans | 52.5445% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.7866% | 1,164 |
| Noncurrent loans to loans | 2.9381% | 1,779 |
| Net loans and leases to total assets | 66.7593% | 2,409 |
| Net loans and leases to deposits | 76.9544% | 2,664 |
| Net loans and leases to core deposits | 84.4011% | 2,501 |
| Total domestic deposits to total assets | 86.7517% | 2,961 |
| Equity capital to assets | 10.9420% | 3,024 |
| Core capital (leverage) ratio | 10.9552% | 2,296 |
| Tier 1 risk-based capital ratio | 16.6489% | 2,814 |
| Total risk-based capital ratio | 17.9143% | 2,783 |
| Memoranda: | ||
| Average total assets | $117,071,000 | 4,419 |
| Average earning assets | $104,677,600 | 4,476 |
| Average equity | $12,828,000 | 4,396 |
| Average total loans | $81,268,000 | 3,999 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 2,946 |
| Cost of funding earning assets | 0.8919% | 2,227 |
| Net interest margin | 3.7728% | 3,454 |
| Noninterest income to average assets | 3.6698% | 195 |
| Noninterest expense to average assets | 5.6155% | 252 |
| Loan and lease loss provision to assets | 0.6873% | 745 |
| Net operating income to assets | 0.7459% | 3,709 |
| Return on assets (ROA) | 0.7459% | 3,961 |
| Pretax return on assets | 0.7459% | 4,688 |
| Return on Equity (ROE) | 6.8048% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.8048% | 2,230 |
| Net charge-offs to loans | 0.3966% | 2,506 |
| Credit loss provision to net charge-offs | 248.1328% | 1,118 |
| Earnings coverage of net charge-offs (x) | 5.1742% | 3,089 |
| Efficiency ratio | 79.6674% | 2,142 |
| Assets per employee ($millions) | 2.1209% | 6,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,095 |
| Loan loss allowance to noncurrent loans | 44.8575% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 4.5331% | 1,016 |
| Noncurrent loans to loans | 3.2640% | 1,688 |
| Net loans and leases to total assets | 70.4336% | 1,822 |
| Net loans and leases to deposits | 81.2356% | 2,221 |
| Net loans and leases to core deposits | 89.2805% | 2,073 |
| Total domestic deposits to total assets | 86.7029% | 2,849 |
| Equity capital to assets | 11.1013% | 3,148 |
| Core capital (leverage) ratio | 11.0771% | 2,317 |
| Tier 1 risk-based capital ratio | 16.2127% | 3,159 |
| Total risk-based capital ratio | 17.4768% | 3,112 |
| Memoranda: | ||
| Average total assets | $116,008,500 | 4,483 |
| Average earning assets | $103,900,000 | 4,544 |
| Average equity | $12,716,250 | 4,460 |
| Average total loans | $81,019,250 | 4,053 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 2,693 |
| Cost of funding earning assets | 0.9044% | 2,361 |
| Net interest margin | 3.8530% | 3,122 |
| Noninterest income to average assets | 3.1767% | 227 |
| Noninterest expense to average assets | 5.4845% | 276 |
| Loan and lease loss provision to assets | 0.9037% | 514 |
| Net operating income to assets | 0.2311% | 5,823 |
| Return on assets (ROA) | 0.2311% | 6,011 |
| Pretax return on assets | 0.2311% | 6,095 |
| Return on Equity (ROE) | 2.1178% | 6,006 |
| Retained earnings to average equity (ytd only) | 2.1178% | 5,137 |
| Net charge-offs to loans | 0.5193% | 2,032 |
| Credit loss provision to net charge-offs | 251.2077% | 1,143 |
| Earnings coverage of net charge-offs (x) | 3.1546% | 3,477 |
| Efficiency ratio | 82.8564% | 1,769 |
| Assets per employee ($millions) | 2.0816% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,935 |
| Loan loss allowance to noncurrent loans | 45.0921% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 4.9617% | 967 |
| Noncurrent loans to loans | 3.3638% | 1,725 |
| Net loans and leases to total assets | 65.6120% | 2,750 |
| Net loans and leases to deposits | 75.2780% | 3,087 |
| Net loans and leases to core deposits | 82.9485% | 2,833 |
| Total domestic deposits to total assets | 87.1596% | 2,680 |
| Equity capital to assets | 10.6777% | 3,481 |
| Core capital (leverage) ratio | 10.8998% | 2,391 |
| Tier 1 risk-based capital ratio | 16.0353% | 3,147 |
| Total risk-based capital ratio | 17.2858% | 3,115 |
| Memoranda: | ||
| Average total assets | $115,088,000 | 4,525 |
| Average earning assets | $102,829,330 | 4,609 |
| Average equity | $12,560,000 | 4,487 |
| Average total loans | $79,726,670 | 4,113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 2,128 |
| Cost of funding earning assets | 0.9324% | 2,416 |
| Net interest margin | 3.9994% | 2,511 |
| Noninterest income to average assets | 3.4526% | 196 |
| Noninterest expense to average assets | 5.7366% | 231 |
| Loan and lease loss provision to assets | 1.4827% | 234 |
| Net operating income to assets | -0.2083% | 6,648 |
| Return on assets (ROA) | -0.2083% | 6,694 |
| Pretax return on assets | -0.2083% | 6,669 |
| Return on Equity (ROE) | -1.8872% | 6,679 |
| Retained earnings to average equity (ytd only) | -1.8872% | 6,267 |
| Net charge-offs to loans | 1.3789% | 734 |
| Credit loss provision to net charge-offs | 152.1739% | 1,645 |
| Earnings coverage of net charge-offs (x) | 1.3080% | 3,680 |
| Efficiency ratio | 81.8228% | 1,957 |
| Assets per employee ($millions) | 2.0403% | 7,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,972 |
| Loan loss allowance to noncurrent loans | 37.4545% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 5.7844% | 830 |
| Noncurrent loans to loans | 3.4988% | 1,787 |
| Net loans and leases to total assets | 67.8897% | 2,136 |
| Net loans and leases to deposits | 78.1329% | 2,484 |
| Net loans and leases to core deposits | 86.7535% | 2,207 |
| Total domestic deposits to total assets | 86.8900% | 3,025 |
| Equity capital to assets | 10.9193% | 3,007 |
| Core capital (leverage) ratio | 11.0893% | 2,194 |
| Tier 1 risk-based capital ratio | 15.8044% | 3,277 |
| Total risk-based capital ratio | 17.0674% | 3,239 |
| Memoranda: | ||
| Average total assets | $113,307,500 | 4,613 |
| Average earning assets | $100,815,000 | 4,678 |
| Average equity | $12,505,500 | 4,504 |
| Average total loans | $80,066,500 | 4,121 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 2,303 |
| Cost of funding earning assets | 1.2169% | 1,912 |
| Net interest margin | 3.9202% | 3,257 |
| Noninterest income to average assets | 2.2333% | 320 |
| Noninterest expense to average assets | 4.7174% | 481 |
| Loan and lease loss provision to assets | 0.7299% | 1,390 |
| Net operating income to assets | 0.2780% | 5,338 |
| Return on assets (ROA) | 0.2780% | 5,492 |
| Pretax return on assets | 0.2780% | 5,616 |
| Return on Equity (ROE) | 2.4184% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.2600% | 5,707 |
| Net charge-offs to loans | 1.4362% | 1,134 |
| Credit loss provision to net charge-offs | 69.0660% | 4,888 |
| Earnings coverage of net charge-offs (x) | 0.9537% | 5,085 |
| Efficiency ratio | 82.3948% | 1,964 |
| Assets per employee ($millions) | 2.0429% | 7,145 |
| Cash dividends to net income (ytd only)* | 89.2508% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,862 |
| Loan loss allowance to noncurrent loans | 23.6330% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 7.1530% | 637 |
| Noncurrent loans to loans | 4.5980% | 1,297 |
| Net loans and leases to total assets | 71.7780% | 1,681 |
| Net loans and leases to deposits | 83.4150% | 2,004 |
| Net loans and leases to core deposits | 93.1874% | 1,780 |
| Total domestic deposits to total assets | 86.0492% | 3,298 |
| Equity capital to assets | 11.1562% | 2,839 |
| Core capital (leverage) ratio | 11.6258% | 1,804 |
| Tier 1 risk-based capital ratio | 15.4505% | 3,360 |
| Total risk-based capital ratio | 16.5426% | 3,414 |
| Memoranda: | ||
| Average total assets | $110,421,600 | 4,633 |
| Average earning assets | $98,361,400 | 4,677 |
| Average equity | $12,694,400 | 4,398 |
| Average total loans | $81,257,200 | 4,104 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 2,411 |
| Cost of funding earning assets | 1.2773% | 1,834 |
| Net interest margin | 3.8658% | 3,541 |
| Noninterest income to average assets | 1.8277% | 435 |
| Noninterest expense to average assets | 4.5018% | 576 |
| Loan and lease loss provision to assets | 0.3820% | 2,566 |
| Net operating income to assets | 0.3905% | 5,041 |
| Return on assets (ROA) | 0.3905% | 5,228 |
| Pretax return on assets | 0.3905% | 5,501 |
| Return on Equity (ROE) | 3.3714% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.6489% | 4,773 |
| Net charge-offs to loans | 1.2875% | 1,201 |
| Credit loss provision to net charge-offs | 40.1786% | 5,236 |
| Earnings coverage of net charge-offs (x) | 0.8125% | 5,007 |
| Efficiency ratio | 85.3530% | 1,593 |
| Assets per employee ($millions) | 2.1263% | 7,189 |
| Cash dividends to net income (ytd only)* | 21.4292% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 6,558 |
| Loan loss allowance to noncurrent loans | 44.1043% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 5.3316% | 1,062 |
| Noncurrent loans to loans | 2.0734% | 3,273 |
| Net loans and leases to total assets | 76.2443% | 944 |
| Net loans and leases to deposits | 90.4605% | 1,160 |
| Net loans and leases to core deposits | 96.4907% | 1,558 |
| Total domestic deposits to total assets | 84.2846% | 4,105 |
| Equity capital to assets | 11.5948% | 2,593 |
| Core capital (leverage) ratio | 12.1716% | 1,609 |
| Tier 1 risk-based capital ratio | 15.8028% | 3,217 |
| Total risk-based capital ratio | 16.7618% | 3,348 |
| Memoranda: | ||
| Average total assets | $109,937,250 | 4,677 |
| Average earning assets | $98,019,500 | 4,720 |
| Average equity | $12,734,250 | 4,401 |
| Average total loans | $81,187,750 | 4,137 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 2,199 |
| Cost of funding earning assets | 1.3210% | 1,816 |
| Net interest margin | 3.8957% | 3,327 |
| Noninterest income to average assets | 1.5730% | 520 |
| Noninterest expense to average assets | 4.4893% | 598 |
| Loan and lease loss provision to assets | 0.3007% | 3,000 |
| Net operating income to assets | 0.2606% | 5,514 |
| Return on assets (ROA) | 0.2606% | 5,639 |
| Pretax return on assets | 0.2606% | 5,775 |
| Return on Equity (ROE) | 2.2510% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.2510% | 4,860 |
| Net charge-offs to loans | 1.4620% | 1,024 |
| Credit loss provision to net charge-offs | 28.2534% | 5,016 |
| Earnings coverage of net charge-offs (x) | 0.5274% | 4,913 |
| Efficiency ratio | 88.8849% | 1,336 |
| Assets per employee ($millions) | 2.0476% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 6,102 |
| Loan loss allowance to noncurrent loans | 40.6680% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 5.4026% | 1,095 |
| Noncurrent loans to loans | 2.6047% | 2,772 |
| Net loans and leases to total assets | 71.2655% | 1,946 |
| Net loans and leases to deposits | 83.0493% | 2,267 |
| Net loans and leases to core deposits | 88.5827% | 2,552 |
| Total domestic deposits to total assets | 85.8110% | 3,433 |
| Equity capital to assets | 11.7821% | 2,260 |
| Core capital (leverage) ratio | 12.1376% | 1,536 |
| Tier 1 risk-based capital ratio | 16.3502% | 2,807 |
| Total risk-based capital ratio | 17.4090% | 2,870 |
| Memoranda: | ||
| Average total assets | $109,727,330 | 4,705 |
| Average earning assets | $97,954,000 | 4,760 |
| Average equity | $12,705,670 | 4,402 |
| Average total loans | $79,890,670 | 4,220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 2,062 |
| Cost of funding earning assets | 1.3492% | 1,890 |
| Net interest margin | 3.8977% | 3,150 |
| Noninterest income to average assets | 1.5843% | 526 |
| Noninterest expense to average assets | 4.6152% | 529 |
| Loan and lease loss provision to assets | 0.2900% | 2,829 |
| Net operating income to assets | 0.1668% | 5,896 |
| Return on assets (ROA) | 0.1668% | 5,944 |
| Pretax return on assets | 0.1668% | 6,008 |
| Return on Equity (ROE) | 1.4528% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.4528% | 5,235 |
| Net charge-offs to loans | 0.1585% | 3,535 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 2,602 |
| Efficiency ratio | 90.9936% | 1,242 |
| Assets per employee ($millions) | 2.1159% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,561 |
| Loan loss allowance to noncurrent loans | 32.7599% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 6.5944% | 833 |
| Noncurrent loans to loans | 5.0154% | 1,342 |
| Net loans and leases to total assets | 71.8411% | 1,752 |
| Net loans and leases to deposits | 83.6251% | 2,090 |
| Net loans and leases to core deposits | 89.5226% | 2,405 |
| Total domestic deposits to total assets | 85.9085% | 3,575 |
| Equity capital to assets | 11.7590% | 2,071 |
| Core capital (leverage) ratio | 11.9623% | 1,587 |
| Tier 1 risk-based capital ratio | 16.1419% | 2,839 |
| Total risk-based capital ratio | 17.3962% | 2,803 |
| Memoranda: | ||
| Average total assets | $110,330,500 | 4,728 |
| Average earning assets | $98,725,000 | 4,774 |
| Average equity | $12,665,500 | 4,408 |
| Average total loans | $80,753,000 | 4,230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 2,501 |
| Cost of funding earning assets | 1.4747% | 2,794 |
| Net interest margin | 3.9665% | 3,174 |
| Noninterest income to average assets | 2.1813% | 342 |
| Noninterest expense to average assets | 4.3031% | 808 |
| Loan and lease loss provision to assets | 1.0128% | 1,606 |
| Net operating income to assets | 0.3932% | 4,571 |
| Return on assets (ROA) | 0.3932% | 4,717 |
| Pretax return on assets | 0.3932% | 4,969 |
| Return on Equity (ROE) | 3.3989% | 4,795 |
| Retained earnings to average equity (ytd only) | 1.5766% | 4,739 |
| Net charge-offs to loans | 0.9686% | 2,240 |
| Credit loss provision to net charge-offs | 148.7214% | 2,445 |
| Earnings coverage of net charge-offs (x) | 2.0646% | 4,176 |
| Efficiency ratio | 75.3733% | 3,137 |
| Assets per employee ($millions) | 2.2108% | 7,296 |
| Cash dividends to net income (ytd only)* | 53.6131% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,958 |
| Loan loss allowance to noncurrent loans | 34.9580% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 6.1249% | 960 |
| Noncurrent loans to loans | 4.3174% | 1,671 |
| Net loans and leases to total assets | 72.2293% | 2,048 |
| Net loans and leases to deposits | 84.0714% | 2,436 |
| Net loans and leases to core deposits | 95.2303% | 2,098 |
| Total domestic deposits to total assets | 85.9142% | 3,408 |
| Equity capital to assets | 11.2122% | 2,490 |
| Core capital (leverage) ratio | 11.4156% | 1,882 |
| Tier 1 risk-based capital ratio | 15.7668% | 2,860 |
| Total risk-based capital ratio | 17.0128% | 2,824 |
| Memoranda: | ||
| Average total assets | $109,107,000 | 4,738 |
| Average earning assets | $97,037,200 | 4,803 |
| Average equity | $12,621,800 | 4,453 |
| Average total loans | $76,705,800 | 4,432 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 2,412 |
| Cost of funding earning assets | 1.4972% | 2,998 |
| Net interest margin | 4.0083% | 3,061 |
| Noninterest income to average assets | 1.8090% | 450 |
| Noninterest expense to average assets | 4.2317% | 791 |
| Loan and lease loss provision to assets | 0.7394% | 2,068 |
| Net operating income to assets | 0.3943% | 4,776 |
| Return on assets (ROA) | 0.3943% | 4,955 |
| Pretax return on assets | 0.3943% | 5,235 |
| Return on Equity (ROE) | 3.3817% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.3817% | 4,069 |
| Net charge-offs to loans | 0.9768% | 2,046 |
| Credit loss provision to net charge-offs | 108.8929% | 3,910 |
| Earnings coverage of net charge-offs (x) | 1.6697% | 4,454 |
| Efficiency ratio | 78.8700% | 2,507 |
| Assets per employee ($millions) | 2.3590% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,935 |
| Loan loss allowance to noncurrent loans | 29.0102% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 5.9061% | 1,017 |
| Noncurrent loans to loans | 3.7939% | 2,036 |
| Net loans and leases to total assets | 72.6850% | 2,081 |
| Net loans and leases to deposits | 90.6148% | 1,637 |
| Net loans and leases to core deposits | 103.2302% | 1,550 |
| Total domestic deposits to total assets | 80.2132% | 5,633 |
| Equity capital to assets | 11.0423% | 2,921 |
| Core capital (leverage) ratio | 12.1745% | 1,574 |
| Tier 1 risk-based capital ratio | 15.6496% | 2,929 |
| Total risk-based capital ratio | 16.7936% | 2,940 |
| Memoranda: | ||
| Average total assets | $108,195,750 | 4,831 |
| Average earning assets | $95,997,250 | 4,892 |
| Average equity | $12,616,750 | 4,523 |
| Average total loans | $75,210,250 | 4,554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6828% | 1,826 |
| Cost of funding earning assets | 1.5669% | 2,857 |
| Net interest margin | 4.1159% | 2,480 |
| Noninterest income to average assets | 1.4698% | 587 |
| Noninterest expense to average assets | 4.2164% | 801 |
| Loan and lease loss provision to assets | 0.4918% | 2,835 |
| Net operating income to assets | 0.4086% | 4,717 |
| Return on assets (ROA) | 0.4086% | 4,879 |
| Pretax return on assets | 0.4086% | 5,199 |
| Return on Equity (ROE) | 3.4374% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.4374% | 3,919 |
| Net charge-offs to loans | 1.1617% | 1,632 |
| Credit loss provision to net charge-offs | 62.2010% | 5,160 |
| Earnings coverage of net charge-offs (x) | 1.1388% | 4,651 |
| Efficiency ratio | 82.4030% | 2,109 |
| Assets per employee ($millions) | 2.1947% | 7,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 6,580 |
| Loan loss allowance to noncurrent loans | 24.7115% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 5.9404% | 997 |
| Noncurrent loans to loans | 3.8679% | 1,981 |
| Net loans and leases to total assets | 71.6097% | 2,511 |
| Net loans and leases to deposits | 82.0924% | 3,255 |
| Net loans and leases to core deposits | 93.9663% | 2,717 |
| Total domestic deposits to total assets | 87.2306% | 2,415 |
| Equity capital to assets | 12.0166% | 2,086 |
| Core capital (leverage) ratio | 12.5869% | 1,369 |
| Tier 1 risk-based capital ratio | 16.7547% | 2,377 |
| Total risk-based capital ratio | 17.7182% | 2,432 |
| Memoranda: | ||
| Average total assets | $105,730,330 | 4,922 |
| Average earning assets | $93,686,330 | 4,995 |
| Average equity | $12,567,670 | 4,532 |
| Average total loans | $71,962,670 | 4,715 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7759% | 1,536 |
| Cost of funding earning assets | 1.6039% | 2,939 |
| Net interest margin | 4.1720% | 2,144 |
| Noninterest income to average assets | 1.3368% | 673 |
| Noninterest expense to average assets | 4.0860% | 920 |
| Loan and lease loss provision to assets | 0.3588% | 3,219 |
| Net operating income to assets | 0.5853% | 3,960 |
| Return on assets (ROA) | 0.5853% | 4,105 |
| Pretax return on assets | 0.5853% | 4,669 |
| Return on Equity (ROE) | 4.9513% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.9513% | 3,186 |
| Net charge-offs to loans | 1.8208% | 950 |
| Credit loss provision to net charge-offs | 29.8742% | 4,815 |
| Earnings coverage of net charge-offs (x) | 0.7862% | 4,337 |
| Efficiency ratio | 81.2312% | 2,381 |
| Assets per employee ($millions) | 2.3109% | 7,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 6,661 |
| Loan loss allowance to noncurrent loans | 42.9682% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 4.5639% | 1,475 |
| Noncurrent loans to loans | 2.2157% | 3,507 |
| Net loans and leases to total assets | 66.3288% | 3,783 |
| Net loans and leases to deposits | 76.0435% | 4,407 |
| Net loans and leases to core deposits | 87.1514% | 3,723 |
| Total domestic deposits to total assets | 87.2249% | 2,518 |
| Equity capital to assets | 12.1164% | 1,974 |
| Core capital (leverage) ratio | 12.3628% | 1,467 |
| Tier 1 risk-based capital ratio | 17.2702% | 2,166 |
| Total risk-based capital ratio | 18.1790% | 2,239 |
| Memoranda: | ||
| Average total assets | $105,922,500 | 4,980 |
| Average earning assets | $93,769,000 | 5,058 |
| Average equity | $12,522,000 | 4,584 |
| Average total loans | $69,861,000 | 4,868 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 2,812 |
| Cost of funding earning assets | 2.1333% | 2,318 |
| Net interest margin | 3.6283% | 4,442 |
| Noninterest income to average assets | 1.6747% | 513 |
| Noninterest expense to average assets | 3.9335% | 1,464 |
| Loan and lease loss provision to assets | 0.9104% | 2,473 |
| Net operating income to assets | 0.0878% | 5,245 |
| Return on assets (ROA) | 0.0878% | 5,288 |
| Pretax return on assets | 0.0878% | 5,249 |
| Return on Equity (ROE) | 0.7738% | 5,300 |
| Retained earnings to average equity (ytd only) | 0.7738% | 4,470 |
| Net charge-offs to loans | 1.0876% | 2,243 |
| Credit loss provision to net charge-offs | 128.2552% | 4,021 |
| Earnings coverage of net charge-offs (x) | 1.4063% | 4,719 |
| Efficiency ratio | 79.7601% | 2,923 |
| Assets per employee ($millions) | 2.3968% | 7,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 4,966 |
| Loan loss allowance to noncurrent loans | 29.6420% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 5.2107% | 1,148 |
| Noncurrent loans to loans | 4.2649% | 1,703 |
| Net loans and leases to total assets | 64.1580% | 4,569 |
| Net loans and leases to deposits | 73.1670% | 5,171 |
| Net loans and leases to core deposits | 103.1805% | 3,665 |
| Total domestic deposits to total assets | 87.6871% | 2,129 |
| Equity capital to assets | 11.5378% | 2,290 |
| Core capital (leverage) ratio | 11.6615% | 1,836 |
| Tier 1 risk-based capital ratio | 16.9627% | 2,158 |
| Total risk-based capital ratio | 18.1704% | 2,143 |
| Memoranda: | ||
| Average total assets | $108,198,800 | 4,872 |
| Average earning assets | $97,125,800 | 4,919 |
| Average equity | $12,276,600 | 4,692 |
| Average total loans | $70,616,000 | 4,849 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7304% | 3,187 |
| Cost of funding earning assets | 2.2085% | 2,372 |
| Net interest margin | 3.5219% | 4,775 |
| Noninterest income to average assets | 1.7238% | 493 |
| Noninterest expense to average assets | 4.0522% | 1,210 |
| Loan and lease loss provision to assets | 0.9333% | 2,063 |
| Net operating income to assets | -0.0887% | 5,872 |
| Return on assets (ROA) | -0.0887% | 5,908 |
| Pretax return on assets | -0.0887% | 5,831 |
| Return on Equity (ROE) | -0.7847% | 5,896 |
| Retained earnings to average equity (ytd only) | -0.7847% | 5,429 |
| Net charge-offs to loans | 1.2325% | 1,659 |
| Credit loss provision to net charge-offs | 115.9021% | 4,381 |
| Earnings coverage of net charge-offs (x) | 1.0489% | 5,008 |
| Efficiency ratio | 82.7508% | 2,468 |
| Assets per employee ($millions) | 2.4668% | 7,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,754 |
| Loan loss allowance to noncurrent loans | 21.3536% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 5.0532% | 1,157 |
| Noncurrent loans to loans | 5.1310% | 1,261 |
| Net loans and leases to total assets | 65.7846% | 4,471 |
| Net loans and leases to deposits | 75.1330% | 5,192 |
| Net loans and leases to core deposits | 108.6156% | 3,393 |
| Total domestic deposits to total assets | 87.5575% | 1,858 |
| Equity capital to assets | 11.5742% | 2,529 |
| Core capital (leverage) ratio | 11.4228% | 2,112 |
| Tier 1 risk-based capital ratio | 16.8541% | 2,318 |
| Total risk-based capital ratio | 17.9152% | 2,319 |
| Memoranda: | ||
| Average total assets | $108,285,000 | 4,904 |
| Average earning assets | $97,559,000 | 4,941 |
| Average equity | $12,234,750 | 4,737 |
| Average total loans | $70,749,250 | 4,887 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7220% | 3,424 |
| Cost of funding earning assets | 2.2900% | 2,391 |
| Net interest margin | 3.4320% | 5,059 |
| Noninterest income to average assets | 1.7941% | 456 |
| Noninterest expense to average assets | 3.9827% | 1,340 |
| Loan and lease loss provision to assets | 1.1832% | 1,453 |
| Net operating income to assets | -0.2843% | 6,312 |
| Return on assets (ROA) | -0.2843% | 6,327 |
| Pretax return on assets | -0.2843% | 6,222 |
| Return on Equity (ROE) | -2.5367% | 6,300 |
| Retained earnings to average equity (ytd only) | -2.5367% | 5,876 |
| Net charge-offs to loans | 0.3191% | 3,588 |
| Credit loss provision to net charge-offs | 570.7965% | 817 |
| Earnings coverage of net charge-offs (x) | 4.3363% | 3,130 |
| Efficiency ratio | 81.5859% | 2,780 |
| Assets per employee ($millions) | 2.2404% | 7,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,306 |
| Loan loss allowance to noncurrent loans | 34.9128% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 4.5625% | 1,219 |
| Noncurrent loans to loans | 4.8963% | 1,271 |
| Net loans and leases to total assets | 61.6456% | 5,416 |
| Net loans and leases to deposits | 70.2145% | 5,971 |
| Net loans and leases to core deposits | 99.3626% | 4,570 |
| Total domestic deposits to total assets | 87.7960% | 1,871 |
| Equity capital to assets | 10.8855% | 3,031 |
| Core capital (leverage) ratio | 11.0871% | 2,340 |
| Tier 1 risk-based capital ratio | 17.2451% | 2,223 |
| Total risk-based capital ratio | 18.5009% | 2,161 |
| Memoranda: | ||
| Average total assets | $109,022,670 | 4,910 |
| Average earning assets | $98,077,670 | 4,950 |
| Average equity | $12,220,670 | 4,754 |
| Average total loans | $70,815,000 | 4,922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 3,230 |
| Cost of funding earning assets | 2.4321% | 2,170 |
| Net interest margin | 3.3816% | 5,207 |
| Noninterest income to average assets | 1.9233% | 388 |
| Noninterest expense to average assets | 3.8206% | 1,433 |
| Loan and lease loss provision to assets | 1.9903% | 603 |
| Net operating income to assets | -0.8668% | 7,162 |
| Return on assets (ROA) | -0.8593% | 7,192 |
| Pretax return on assets | -0.8593% | 7,069 |
| Return on Equity (ROE) | -7.5527% | 7,197 |
| Retained earnings to average equity (ytd only) | -7.5527% | 6,858 |
| Net charge-offs to loans | -0.0731% | 7,803 |
| Credit loss provision to net charge-offs | -4,115.3846% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2761% | 3,286 |
| Assets per employee ($millions) | 2.4174% | 7,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 2,031 |
| Loan loss allowance to noncurrent loans | 29.3890% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 5.9731% | 666 |
| Noncurrent loans to loans | 5.8958% | 824 |
| Net loans and leases to total assets | 62.0689% | 5,310 |
| Net loans and leases to deposits | 70.2444% | 5,955 |
| Net loans and leases to core deposits | 101.5941% | 4,390 |
| Total domestic deposits to total assets | 88.3614% | 1,540 |
| Equity capital to assets | 10.8985% | 3,074 |
| Core capital (leverage) ratio | 11.3978% | 2,208 |
| Tier 1 risk-based capital ratio | 16.4694% | 2,524 |
| Total risk-based capital ratio | 17.7264% | 2,461 |
| Memoranda: | ||
| Average total assets | $107,523,500 | 4,967 |
| Average earning assets | $96,048,000 | 5,023 |
| Average equity | $12,234,000 | 4,775 |
| Average total loans | $71,094,000 | 4,941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4556% | 3,168 |
| Cost of funding earning assets | 2.8648% | 2,415 |
| Net interest margin | 3.5909% | 4,933 |
| Noninterest income to average assets | 1.3995% | 735 |
| Noninterest expense to average assets | 3.6905% | 1,968 |
| Loan and lease loss provision to assets | 0.9390% | 1,578 |
| Net operating income to assets | 0.0116% | 6,338 |
| Return on assets (ROA) | 0.0206% | 6,167 |
| Pretax return on assets | 0.0206% | 6,116 |
| Return on Equity (ROE) | 0.1874% | 6,168 |
| Retained earnings to average equity (ytd only) | -0.4727% | 5,431 |
| Net charge-offs to loans | 1.1673% | 1,039 |
| Credit loss provision to net charge-offs | 122.3776% | 4,391 |
| Earnings coverage of net charge-offs (x) | 1.2389% | 5,506 |
| Efficiency ratio | 79.5183% | 2,671 |
| Assets per employee ($millions) | 2.2576% | 7,618 |
| Cash dividends to net income (ytd only)* | 352.1739% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 6,508 |
| Loan loss allowance to noncurrent loans | 28.1329% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 4.7290% | 766 |
| Noncurrent loans to loans | 3.3050% | 1,565 |
| Net loans and leases to total assets | 68.6407% | 4,335 |
| Net loans and leases to deposits | 78.8012% | 5,227 |
| Net loans and leases to core deposits | 106.3196% | 4,157 |
| Total domestic deposits to total assets | 87.1062% | 1,885 |
| Equity capital to assets | 11.8914% | 2,362 |
| Core capital (leverage) ratio | 11.9308% | 2,002 |
| Tier 1 risk-based capital ratio | 16.6948% | 2,417 |
| Total risk-based capital ratio | 17.5993% | 2,475 |
| Memoranda: | ||
| Average total assets | $111,827,000 | 4,727 |
| Average earning assets | $100,950,800 | 4,779 |
| Average equity | $12,270,600 | 4,760 |
| Average total loans | $73,503,200 | 4,757 |