Home > Alliance Bank > Performance and Condition Ratios
Alliance 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 | 4.0559% | 3,874 |
| Cost of funding earning assets | 1.3512% | 2,356 |
| Net interest margin | 2.7048% | 3,813 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.2986% | 2,860 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6163% | 3,401 |
| Return on assets (ROA) | 0.5627% | 3,522 |
| Pretax return on assets | 0.6289% | 3,586 |
| Return on Equity (ROE) | 7.9000% | 3,047 |
| Retained earnings to average equity (ytd only) | 3.5588% | 3,102 |
| Net charge-offs to loans | 0.0175% | 2,016 |
| Credit loss provision to net charge-offs | 130.4348% | 1,597 |
| Earnings coverage of net charge-offs (x) | 66.0435% | 1,131 |
| Efficiency ratio | 76.5803% | 1,201 |
| Assets per employee ($millions) | 5.1293% | 3,543 |
| Cash dividends to net income (ytd only)* | 54.9342% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 702 |
| Loan loss allowance to noncurrent loans | 959.0361% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,627 |
| Noncurrent loans to loans | 0.1748% | 2,641 |
| Net loans and leases to total assets | 65.0000% | 2,367 |
| Net loans and leases to deposits | 75.1153% | 2,534 |
| Net loans and leases to core deposits | 77.9508% | 2,839 |
| Total domestic deposits to total assets | 86.5300% | 1,848 |
| Equity capital to assets | 7.9956% | 3,423 |
| Core capital (leverage) ratio | 9.8816% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $216,085,800 | 2,867 |
| Average earning assets | $204,121,600 | 2,834 |
| Average equity | $15,398,600 | 3,231 |
| Average total loans | $131,742,200 | 2,849 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 4,004 |
| Cost of funding earning assets | 1.2334% | 2,321 |
| Net interest margin | 2.6603% | 3,935 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.2714% | 2,884 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5885% | 3,571 |
| Return on assets (ROA) | 0.5907% | 3,552 |
| Pretax return on assets | 0.6788% | 3,592 |
| Return on Equity (ROE) | 8.5500% | 3,045 |
| Retained earnings to average equity (ytd only) | 2.5877% | 3,611 |
| Net charge-offs to loans | 0.0238% | 1,607 |
| Credit loss provision to net charge-offs | 130.4348% | 1,417 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,325 |
| Efficiency ratio | 76.5745% | 1,125 |
| Assets per employee ($millions) | 4.9768% | 3,620 |
| Cash dividends to net income (ytd only)* | 69.7286% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 607 |
| Loan loss allowance to noncurrent loans | 1,042.7948% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,684 |
| Noncurrent loans to loans | 0.1691% | 2,691 |
| Net loans and leases to total assets | 62.1500% | 2,640 |
| Net loans and leases to deposits | 70.9672% | 2,777 |
| Net loans and leases to core deposits | 73.5389% | 3,019 |
| Total domestic deposits to total assets | 87.5700% | 1,715 |
| Equity capital to assets | 6.9139% | 3,656 |
| Core capital (leverage) ratio | 9.7660% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $216,249,750 | 2,877 |
| Average earning assets | $203,982,250 | 2,852 |
| Average equity | $14,942,000 | 3,265 |
| Average total loans | $129,074,000 | 2,868 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 4,119 |
| Cost of funding earning assets | 1.0660% | 2,396 |
| Net interest margin | 2.6552% | 4,030 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.2996% | 2,806 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6252% | 3,518 |
| Return on assets (ROA) | 0.6332% | 3,509 |
| Pretax return on assets | 0.6627% | 3,681 |
| Return on Equity (ROE) | 9.1700% | 2,937 |
| Retained earnings to average equity (ytd only) | 1.6410% | 3,793 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.1252% | 1,081 |
| Assets per employee ($millions) | 5.1067% | 3,501 |
| Cash dividends to net income (ytd only)* | 82.0961% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 559 |
| Loan loss allowance to noncurrent loans | 1,057.4561% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 2,641 |
| Noncurrent loans to loans | 0.1735% | 2,612 |
| Net loans and leases to total assets | 60.1500% | 2,756 |
| Net loans and leases to deposits | 68.7721% | 2,875 |
| Net loans and leases to core deposits | 70.7473% | 3,084 |
| Total domestic deposits to total assets | 87.4600% | 1,787 |
| Equity capital to assets | 7.0244% | 3,784 |
| Core capital (leverage) ratio | 9.7731% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $216,998,667 | 2,885 |
| Average earning assets | $204,884,333 | 2,857 |
| Average equity | $14,990,667 | 3,272 |
| Average total loans | $126,969,000 | 2,881 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 4,194 |
| Cost of funding earning assets | 0.8663% | 2,486 |
| Net interest margin | 2.7000% | 4,072 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.2157% | 3,061 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7196% | 3,420 |
| Return on assets (ROA) | 0.7844% | 3,190 |
| Pretax return on assets | 0.8430% | 3,357 |
| Return on Equity (ROE) | 11.4500% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.9449% | 2,233 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.4508% | 1,392 |
| Assets per employee ($millions) | 5.0449% | 3,633 |
| Cash dividends to net income (ytd only)* | 30.6075% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 520 |
| Loan loss allowance to noncurrent loans | 1,641.0959% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 2,905 |
| Noncurrent loans to loans | 0.1164% | 2,935 |
| Net loans and leases to total assets | 56.7000% | 2,987 |
| Net loans and leases to deposits | 64.8801% | 3,021 |
| Net loans and leases to core deposits | 66.5975% | 3,179 |
| Total domestic deposits to total assets | 87.3900% | 2,138 |
| Equity capital to assets | 7.1829% | 3,742 |
| Core capital (leverage) ratio | 9.7596% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $218,257,500 | 2,921 |
| Average earning assets | $205,922,500 | 2,892 |
| Average equity | $14,953,000 | 3,308 |
| Average total loans | $124,747,000 | 2,937 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3978% | 3,349 |
| Cost of funding earning assets | 0.4528% | 1,703 |
| Net interest margin | 2.9449% | 3,581 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.1986% | 3,032 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8775% | 3,054 |
| Return on assets (ROA) | 0.7420% | 3,445 |
| Pretax return on assets | 0.8297% | 3,550 |
| Return on Equity (ROE) | 10.3300% | 2,703 |
| Retained earnings to average equity (ytd only) | 1.0061% | 4,196 |
| Net charge-offs to loans | -0.0085% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.3996% | 1,913 |
| Assets per employee ($millions) | 5.1066% | 3,590 |
| Cash dividends to net income (ytd only)* | 90.2617% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 510 |
| Loan loss allowance to noncurrent loans | 1,227.3196% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,461 |
| Noncurrent loans to loans | 0.1563% | 2,714 |
| Net loans and leases to total assets | 55.4300% | 3,085 |
| Net loans and leases to deposits | 61.3996% | 3,245 |
| Net loans and leases to core deposits | 62.9486% | 3,330 |
| Total domestic deposits to total assets | 90.2800% | 1,242 |
| Equity capital to assets | 6.5232% | 3,889 |
| Core capital (leverage) ratio | 9.3726% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $221,418,000 | 2,896 |
| Average earning assets | $208,018,000 | 2,875 |
| Average equity | $15,902,600 | 3,283 |
| Average total loans | $117,324,200 | 2,950 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 3,167 |
| Cost of funding earning assets | 0.3878% | 1,378 |
| Net interest margin | 2.9167% | 3,443 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.1729% | 2,999 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8892% | 2,914 |
| Return on assets (ROA) | 0.8815% | 2,929 |
| Pretax return on assets | 0.9693% | 3,116 |
| Return on Equity (ROE) | 12.0000% | 2,034 |
| Retained earnings to average equity (ytd only) | -0.1309% | 4,357 |
| Net charge-offs to loans | -0.0115% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9955% | 2,030 |
| Assets per employee ($millions) | 5.3080% | 3,407 |
| Cash dividends to net income (ytd only)* | 101.0907% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 487 |
| Loan loss allowance to noncurrent loans | 344.5731% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,413 |
| Noncurrent loans to loans | 0.5870% | 1,370 |
| Net loans and leases to total assets | 53.0000% | 3,190 |
| Net loans and leases to deposits | 58.4175% | 3,312 |
| Net loans and leases to core deposits | 60.1321% | 3,375 |
| Total domestic deposits to total assets | 90.7300% | 1,346 |
| Equity capital to assets | 6.0195% | 3,957 |
| Core capital (leverage) ratio | 9.2720% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $221,876,500 | 2,909 |
| Average earning assets | $208,355,250 | 2,892 |
| Average equity | $16,297,250 | 3,289 |
| Average total loans | $115,630,500 | 2,973 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 2,985 |
| Cost of funding earning assets | 0.3716% | 1,106 |
| Net interest margin | 2.8495% | 3,288 |
| Noninterest income to average assets | 0.4675% | 2,359 |
| Noninterest expense to average assets | 2.1505% | 2,996 |
| Loan and lease loss provision to assets | 0.0537% | 1,617 |
| Net operating income to assets | 0.8402% | 2,817 |
| Return on assets (ROA) | 0.8402% | 2,790 |
| Pretax return on assets | 0.9217% | 2,987 |
| Return on Equity (ROE) | 10.8046% | 2,049 |
| Retained earnings to average equity (ytd only) | -3.3980% | 4,477 |
| Net charge-offs to loans | -0.0331% | 4,081 |
| Credit loss provision to net charge-offs | -315.7895% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7966% | 2,130 |
| Assets per employee ($millions) | 5.0049% | 3,676 |
| Cash dividends to net income (ytd only)* | 131.4499% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 513 |
| Loan loss allowance to noncurrent loans | 356.0720% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 1,497 |
| Noncurrent loans to loans | 0.5718% | 1,479 |
| Net loans and leases to total assets | 50.7353% | 3,296 |
| Net loans and leases to deposits | 56.1225% | 3,363 |
| Net loans and leases to core deposits | 57.7596% | 3,441 |
| Total domestic deposits to total assets | 90.4010% | 1,513 |
| Equity capital to assets | 6.5762% | 3,986 |
| Core capital (leverage) ratio | 9.0845% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,293,000 | 2,921 |
| Average earning assets | $208,315,667 | 2,928 |
| Average equity | $17,363,000 | 3,287 |
| Average total loans | $114,932,667 | 3,003 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1994% | 2,691 |
| Cost of funding earning assets | 0.3761% | 1,020 |
| Net interest margin | 2.8233% | 3,064 |
| Noninterest income to average assets | 0.4372% | 2,459 |
| Noninterest expense to average assets | 2.1140% | 3,103 |
| Loan and lease loss provision to assets | 0.0810% | 1,011 |
| Net operating income to assets | 0.8114% | 2,628 |
| Return on assets (ROA) | 0.8114% | 2,619 |
| Pretax return on assets | 0.8762% | 2,870 |
| Return on Equity (ROE) | 9.6786% | 2,089 |
| Retained earnings to average equity (ytd only) | -3.2620% | 4,331 |
| Net charge-offs to loans | -0.0666% | 4,354 |
| Credit loss provision to net charge-offs | -236.8421% | 3,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8342% | 2,392 |
| Assets per employee ($millions) | 5.2935% | 3,491 |
| Cash dividends to net income (ytd only)* | 133.7029% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0797% | 541 |
| Loan loss allowance to noncurrent loans | 335.2273% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,520 |
| Noncurrent loans to loans | 0.6204% | 1,511 |
| Net loans and leases to total assets | 49.9804% | 3,175 |
| Net loans and leases to deposits | 55.8588% | 3,281 |
| Net loans and leases to core deposits | 57.6080% | 3,333 |
| Total domestic deposits to total assets | 89.4763% | 1,830 |
| Equity capital to assets | 7.4858% | 3,942 |
| Core capital (leverage) ratio | 9.2314% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,328,500 | 2,946 |
| Average earning assets | $207,416,000 | 2,944 |
| Average equity | $18,639,000 | 3,269 |
| Average total loans | $114,078,000 | 3,015 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 1,665 |
| Cost of funding earning assets | 0.4308% | 1,325 |
| Net interest margin | 3.4521% | 1,875 |
| Noninterest income to average assets | 0.4687% | 2,735 |
| Noninterest expense to average assets | 2.1565% | 3,216 |
| Loan and lease loss provision to assets | 0.0838% | 1,464 |
| Net operating income to assets | 1.3897% | 1,312 |
| Return on assets (ROA) | 1.4201% | 1,280 |
| Pretax return on assets | 1.5440% | 1,591 |
| Return on Equity (ROE) | 14.7205% | 1,017 |
| Retained earnings to average equity (ytd only) | 6.5907% | 2,083 |
| Net charge-offs to loans | 0.0190% | 1,898 |
| Credit loss provision to net charge-offs | 782.6087% | 611 |
| Earnings coverage of net charge-offs (x) | 148.9565% | 661 |
| Efficiency ratio | 57.4885% | 3,522 |
| Assets per employee ($millions) | 5.0530% | 3,687 |
| Cash dividends to net income (ytd only)* | 55.2278% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0022% | 603 |
| Loan loss allowance to noncurrent loans | 275.6303% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 1,460 |
| Noncurrent loans to loans | 0.7264% | 1,400 |
| Net loans and leases to total assets | 50.5465% | 3,219 |
| Net loans and leases to deposits | 57.7003% | 3,281 |
| Net loans and leases to core deposits | 59.3764% | 3,364 |
| Total domestic deposits to total assets | 87.6018% | 2,238 |
| Equity capital to assets | 9.2812% | 3,337 |
| Core capital (leverage) ratio | 9.4050% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,836,800 | 2,950 |
| Average earning assets | $204,282,200 | 2,923 |
| Average equity | $20,726,200 | 3,153 |
| Average total loans | $121,198,400 | 2,942 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 2,447 |
| Cost of funding earning assets | 0.4446% | 1,388 |
| Net interest margin | 3.1971% | 2,739 |
| Noninterest income to average assets | 1.0217% | 1,036 |
| Noninterest expense to average assets | 2.2601% | 2,864 |
| Loan and lease loss provision to assets | 0.0845% | 1,415 |
| Net operating income to assets | 1.5957% | 1,046 |
| Return on assets (ROA) | 1.6365% | 992 |
| Pretax return on assets | 1.7737% | 1,228 |
| Return on Equity (ROE) | 16.7972% | 800 |
| Retained earnings to average equity (ytd only) | 5.9696% | 2,836 |
| Net charge-offs to loans | 0.0282% | 1,489 |
| Credit loss provision to net charge-offs | 519.2308% | 744 |
| Earnings coverage of net charge-offs (x) | 111.4231% | 810 |
| Efficiency ratio | 55.4787% | 3,594 |
| Assets per employee ($millions) | 5.0563% | 3,647 |
| Cash dividends to net income (ytd only)* | 64.4606% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 805 |
| Loan loss allowance to noncurrent loans | 261.0918% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 1,597 |
| Noncurrent loans to loans | 0.7174% | 1,552 |
| Net loans and leases to total assets | 54.1666% | 2,949 |
| Net loans and leases to deposits | 62.1177% | 3,027 |
| Net loans and leases to core deposits | 64.2718% | 3,115 |
| Total domestic deposits to total assets | 87.1999% | 2,269 |
| Equity capital to assets | 9.5796% | 3,306 |
| Core capital (leverage) ratio | 9.3328% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,963,500 | 2,993 |
| Average earning assets | $203,305,000 | 2,957 |
| Average equity | $20,749,000 | 3,189 |
| Average total loans | $122,829,000 | 2,967 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5249% | 2,827 |
| Cost of funding earning assets | 0.4643% | 1,419 |
| Net interest margin | 3.0606% | 3,146 |
| Noninterest income to average assets | 1.2928% | 697 |
| Noninterest expense to average assets | 2.1213% | 3,328 |
| Loan and lease loss provision to assets | 0.0851% | 1,440 |
| Net operating income to assets | 1.8533% | 646 |
| Return on assets (ROA) | 1.9151% | 599 |
| Pretax return on assets | 2.0834% | 702 |
| Return on Equity (ROE) | 19.5438% | 494 |
| Retained earnings to average equity (ytd only) | 5.5688% | 2,971 |
| Net charge-offs to loans | 0.0485% | 1,139 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 74.0667% | 877 |
| Efficiency ratio | 50.2352% | 4,220 |
| Assets per employee ($millions) | 5.1256% | 3,534 |
| Cash dividends to net income (ytd only)* | 71.5062% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 893 |
| Loan loss allowance to noncurrent loans | 216.0118% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 1,732 |
| Noncurrent loans to loans | 0.8306% | 1,475 |
| Net loans and leases to total assets | 54.6141% | 3,060 |
| Net loans and leases to deposits | 62.4214% | 3,161 |
| Net loans and leases to core deposits | 64.5082% | 3,242 |
| Total domestic deposits to total assets | 87.4927% | 2,097 |
| Equity capital to assets | 9.4084% | 3,419 |
| Core capital (leverage) ratio | 9.3503% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,478,000 | 3,001 |
| Average earning assets | $202,446,667 | 2,962 |
| Average equity | $20,722,667 | 3,183 |
| Average total loans | $123,766,333 | 2,971 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5678% | 2,737 |
| Cost of funding earning assets | 0.4944% | 1,424 |
| Net interest margin | 3.0735% | 3,074 |
| Noninterest income to average assets | 1.1226% | 948 |
| Noninterest expense to average assets | 2.0327% | 3,618 |
| Loan and lease loss provision to assets | 0.0869% | 1,517 |
| Net operating income to assets | 1.7988% | 789 |
| Return on assets (ROA) | 1.9264% | 678 |
| Pretax return on assets | 2.0713% | 842 |
| Return on Equity (ROE) | 19.2508% | 597 |
| Retained earnings to average equity (ytd only) | 10.3688% | 1,554 |
| Net charge-offs to loans | -0.0064% | 3,492 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1430% | 4,174 |
| Assets per employee ($millions) | 5.0099% | 3,646 |
| Cash dividends to net income (ytd only)* | 46.1384% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 898 |
| Loan loss allowance to noncurrent loans | 214.7348% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 1,733 |
| Noncurrent loans to loans | 0.8314% | 1,606 |
| Net loans and leases to total assets | 57.1497% | 2,890 |
| Net loans and leases to deposits | 65.7310% | 2,946 |
| Net loans and leases to core deposits | 68.1039% | 3,049 |
| Total domestic deposits to total assets | 86.9448% | 2,332 |
| Equity capital to assets | 9.8035% | 2,893 |
| Core capital (leverage) ratio | 9.7286% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,017,500 | 3,025 |
| Average earning assets | $197,430,500 | 2,992 |
| Average equity | $20,716,000 | 3,178 |
| Average total loans | $124,365,500 | 2,970 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 1,663 |
| Cost of funding earning assets | 0.7843% | 1,278 |
| Net interest margin | 3.5872% | 2,179 |
| Noninterest income to average assets | 0.6565% | 1,997 |
| Noninterest expense to average assets | 2.4087% | 3,112 |
| Loan and lease loss provision to assets | 0.0855% | 3,301 |
| Net operating income to assets | 1.4210% | 975 |
| Return on assets (ROA) | 1.4191% | 1,062 |
| Pretax return on assets | 1.5559% | 1,178 |
| Return on Equity (ROE) | 14.0019% | 814 |
| Retained earnings to average equity (ytd only) | 4.9536% | 2,297 |
| Net charge-offs to loans | -0.0121% | 4,305 |
| Credit loss provision to net charge-offs | -1,031.2500% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4425% | 3,530 |
| Assets per employee ($millions) | 4.8481% | 3,553 |
| Cash dividends to net income (ytd only)* | 64.6221% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 1,052 |
| Loan loss allowance to noncurrent loans | 191.3238% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 1,839 |
| Noncurrent loans to loans | 0.8852% | 1,595 |
| Net loans and leases to total assets | 60.9736% | 2,736 |
| Net loans and leases to deposits | 70.5719% | 2,813 |
| Net loans and leases to core deposits | 73.2245% | 2,975 |
| Total domestic deposits to total assets | 86.3992% | 2,188 |
| Equity capital to assets | 10.2170% | 2,919 |
| Core capital (leverage) ratio | 9.7708% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,006,400 | 3,002 |
| Average earning assets | $182,703,200 | 2,974 |
| Average equity | $19,561,600 | 3,226 |
| Average total loans | $132,052,200 | 2,840 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 1,670 |
| Cost of funding earning assets | 0.8544% | 1,236 |
| Net interest margin | 3.6071% | 2,251 |
| Noninterest income to average assets | 0.6598% | 1,945 |
| Noninterest expense to average assets | 2.3927% | 3,156 |
| Loan and lease loss provision to assets | 0.0841% | 3,263 |
| Net operating income to assets | 1.4655% | 969 |
| Return on assets (ROA) | 1.4597% | 1,062 |
| Pretax return on assets | 1.5802% | 1,240 |
| Return on Equity (ROE) | 14.4335% | 809 |
| Retained earnings to average equity (ytd only) | 2.1817% | 3,865 |
| Net charge-offs to loans | -0.0100% | 4,224 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8864% | 3,537 |
| Assets per employee ($millions) | 4.4653% | 3,885 |
| Cash dividends to net income (ytd only)* | 84.8848% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,274 |
| Loan loss allowance to noncurrent loans | 188.4477% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 1,918 |
| Noncurrent loans to loans | 0.8163% | 1,787 |
| Net loans and leases to total assets | 68.0192% | 2,244 |
| Net loans and leases to deposits | 78.9079% | 2,437 |
| Net loans and leases to core deposits | 82.4089% | 2,632 |
| Total domestic deposits to total assets | 86.2007% | 1,984 |
| Equity capital to assets | 10.2441% | 3,017 |
| Core capital (leverage) ratio | 9.6509% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,352,750 | 3,009 |
| Average earning assets | $179,605,250 | 2,984 |
| Average equity | $19,251,000 | 3,254 |
| Average total loans | $133,491,750 | 2,831 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 1,875 |
| Cost of funding earning assets | 0.9413% | 1,187 |
| Net interest margin | 3.5744% | 2,564 |
| Noninterest income to average assets | 0.6744% | 1,837 |
| Noninterest expense to average assets | 2.4364% | 3,152 |
| Loan and lease loss provision to assets | 0.0797% | 3,302 |
| Net operating income to assets | 1.4051% | 1,102 |
| Return on assets (ROA) | 1.4051% | 1,194 |
| Pretax return on assets | 1.5219% | 1,406 |
| Return on Equity (ROE) | 13.9564% | 902 |
| Retained earnings to average equity (ytd only) | 1.7090% | 3,870 |
| Net charge-offs to loans | -0.0030% | 3,885 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3367% | 3,370 |
| Assets per employee ($millions) | 4.4645% | 3,831 |
| Cash dividends to net income (ytd only)* | 87.7551% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,265 |
| Loan loss allowance to noncurrent loans | 402.1739% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 3,043 |
| Noncurrent loans to loans | 0.3731% | 3,073 |
| Net loans and leases to total assets | 67.9943% | 2,352 |
| Net loans and leases to deposits | 78.6532% | 2,585 |
| Net loans and leases to core deposits | 82.7149% | 2,722 |
| Total domestic deposits to total assets | 86.4483% | 1,821 |
| Equity capital to assets | 9.8610% | 3,320 |
| Core capital (leverage) ratio | 9.6195% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,312,333 | 3,004 |
| Average earning assets | $177,206,333 | 2,981 |
| Average equity | $18,959,000 | 3,274 |
| Average total loans | $132,746,333 | 2,829 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 2,120 |
| Cost of funding earning assets | 1.0495% | 1,218 |
| Net interest margin | 3.5144% | 2,929 |
| Noninterest income to average assets | 0.5362% | 2,355 |
| Noninterest expense to average assets | 2.7137% | 2,674 |
| Loan and lease loss provision to assets | 0.0651% | 2,949 |
| Net operating income to assets | 0.9813% | 2,241 |
| Return on assets (ROA) | 0.9813% | 2,345 |
| Pretax return on assets | 1.0508% | 2,662 |
| Return on Equity (ROE) | 9.6411% | 1,861 |
| Retained earnings to average equity (ytd only) | 0.5119% | 3,873 |
| Net charge-offs to loans | -0.0152% | 4,221 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8617% | 2,240 |
| Assets per employee ($millions) | 3.9548% | 3,983 |
| Cash dividends to net income (ytd only)* | 94.6903% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,252 |
| Loan loss allowance to noncurrent loans | 80.9504% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 691 |
| Noncurrent loans to loans | 1.8866% | 778 |
| Net loans and leases to total assets | 70.6375% | 2,144 |
| Net loans and leases to deposits | 82.5346% | 2,382 |
| Net loans and leases to core deposits | 86.8986% | 2,607 |
| Total domestic deposits to total assets | 85.5853% | 2,179 |
| Equity capital to assets | 10.4552% | 3,363 |
| Core capital (leverage) ratio | 9.8639% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,248,500 | 3,010 |
| Average earning assets | $172,659,500 | 2,985 |
| Average equity | $18,753,000 | 3,293 |
| Average total loans | $131,318,000 | 2,818 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 2,391 |
| Cost of funding earning assets | 1.0382% | 1,565 |
| Net interest margin | 3.6400% | 2,996 |
| Noninterest income to average assets | 0.6685% | 1,930 |
| Noninterest expense to average assets | 2.6940% | 2,899 |
| Loan and lease loss provision to assets | 0.0778% | 2,440 |
| Net operating income to assets | 1.2553% | 1,851 |
| Return on assets (ROA) | 1.2553% | 1,933 |
| Pretax return on assets | 1.3359% | 2,375 |
| Return on Equity (ROE) | 12.9131% | 1,192 |
| Retained earnings to average equity (ytd only) | 4.9915% | 2,420 |
| Net charge-offs to loans | 0.0121% | 3,252 |
| Credit loss provision to net charge-offs | 881.2500% | 381 |
| Earnings coverage of net charge-offs (x) | 160.0625% | 471 |
| Efficiency ratio | 65.5826% | 2,833 |
| Assets per employee ($millions) | 3.9697% | 3,938 |
| Cash dividends to net income (ytd only)* | 61.3456% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,280 |
| Loan loss allowance to noncurrent loans | 79.1431% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 676 |
| Noncurrent loans to loans | 1.8723% | 708 |
| Net loans and leases to total assets | 69.7735% | 2,436 |
| Net loans and leases to deposits | 83.5802% | 2,370 |
| Net loans and leases to core deposits | 87.5750% | 2,643 |
| Total domestic deposits to total assets | 83.4809% | 3,030 |
| Equity capital to assets | 9.9079% | 4,003 |
| Core capital (leverage) ratio | 9.5911% | 3,973 |
| Tier 1 risk-based capital ratio | 13.4397% | 3,559 |
| Total risk-based capital ratio | 14.6924% | 3,442 |
| Memoranda: | ||
| Average total assets | $181,146,400 | 3,011 |
| Average earning assets | $171,155,200 | 2,971 |
| Average equity | $17,610,000 | 3,378 |
| Average total loans | $131,996,600 | 2,801 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 2,592 |
| Cost of funding earning assets | 1.0097% | 1,721 |
| Net interest margin | 3.6325% | 3,161 |
| Noninterest income to average assets | 0.6734% | 1,902 |
| Noninterest expense to average assets | 2.7921% | 2,582 |
| Loan and lease loss provision to assets | 0.0823% | 2,264 |
| Net operating income to assets | 1.1858% | 2,246 |
| Return on assets (ROA) | 1.1858% | 2,323 |
| Pretax return on assets | 1.2459% | 2,831 |
| Return on Equity (ROE) | 12.2589% | 1,529 |
| Retained earnings to average equity (ytd only) | 1.5563% | 4,411 |
| Net charge-offs to loans | 0.0152% | 2,856 |
| Credit loss provision to net charge-offs | 740.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 119.3970% | 652 |
| Efficiency ratio | 67.7646% | 2,460 |
| Assets per employee ($millions) | 3.9154% | 4,005 |
| Cash dividends to net income (ytd only)* | 87.3046% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,433 |
| Loan loss allowance to noncurrent loans | 237.8545% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 2,204 |
| Noncurrent loans to loans | 0.6039% | 2,472 |
| Net loans and leases to total assets | 70.4346% | 2,407 |
| Net loans and leases to deposits | 86.2995% | 2,160 |
| Net loans and leases to core deposits | 90.3336% | 2,521 |
| Total domestic deposits to total assets | 81.6164% | 3,582 |
| Equity capital to assets | 9.4956% | 4,457 |
| Core capital (leverage) ratio | 9.4625% | 4,206 |
| Tier 1 risk-based capital ratio | 12.8140% | 3,949 |
| Total risk-based capital ratio | 14.0661% | 3,844 |
| Memoranda: | ||
| Average total assets | $179,788,500 | 3,044 |
| Average earning assets | $170,603,750 | 3,002 |
| Average equity | $17,391,000 | 3,424 |
| Average total loans | $131,960,750 | 2,833 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 2,729 |
| Cost of funding earning assets | 0.9891% | 1,745 |
| Net interest margin | 3.5928% | 3,279 |
| Noninterest income to average assets | 0.7263% | 1,618 |
| Noninterest expense to average assets | 2.7740% | 2,679 |
| Loan and lease loss provision to assets | 0.0915% | 2,024 |
| Net operating income to assets | 1.2311% | 2,033 |
| Return on assets (ROA) | 1.2311% | 2,090 |
| Pretax return on assets | 1.2741% | 2,657 |
| Return on Equity (ROE) | 12.6455% | 1,348 |
| Retained earnings to average equity (ytd only) | 0.9165% | 4,457 |
| Net charge-offs to loans | -0.0030% | 4,030 |
| Credit loss provision to net charge-offs | -4,050.0000% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0123% | 2,681 |
| Assets per employee ($millions) | 3.6113% | 4,368 |
| Cash dividends to net income (ytd only)* | 92.7523% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,674 |
| Loan loss allowance to noncurrent loans | 175.1371% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 2,060 |
| Noncurrent loans to loans | 0.7910% | 2,011 |
| Net loans and leases to total assets | 75.5337% | 1,623 |
| Net loans and leases to deposits | 90.1308% | 1,725 |
| Net loans and leases to core deposits | 94.3920% | 2,218 |
| Total domestic deposits to total assets | 83.8045% | 2,947 |
| Equity capital to assets | 9.7318% | 4,207 |
| Core capital (leverage) ratio | 9.8155% | 3,808 |
| Tier 1 risk-based capital ratio | 12.7484% | 3,978 |
| Total risk-based capital ratio | 14.0002% | 3,881 |
| Memoranda: | ||
| Average total assets | $177,071,670 | 3,090 |
| Average earning assets | $168,226,670 | 3,046 |
| Average equity | $17,239,330 | 3,440 |
| Average total loans | $131,180,000 | 2,855 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 2,771 |
| Cost of funding earning assets | 0.9881% | 1,617 |
| Net interest margin | 3.5413% | 3,456 |
| Noninterest income to average assets | 0.9012% | 1,038 |
| Noninterest expense to average assets | 2.9385% | 2,162 |
| Loan and lease loss provision to assets | 0.1027% | 1,717 |
| Net operating income to assets | 1.2115% | 2,013 |
| Return on assets (ROA) | 1.2115% | 2,063 |
| Pretax return on assets | 1.2206% | 2,730 |
| Return on Equity (ROE) | 12.4407% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.1543% | 2,838 |
| Net charge-offs to loans | 0.1285% | 977 |
| Credit loss provision to net charge-offs | 109.7561% | 1,499 |
| Earnings coverage of net charge-offs (x) | 14.1463% | 1,806 |
| Efficiency ratio | 68.9507% | 2,505 |
| Assets per employee ($millions) | 3.6585% | 4,399 |
| Cash dividends to net income (ytd only)* | 58.5687% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,479 |
| Loan loss allowance to noncurrent loans | 203.6585% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 2,358 |
| Noncurrent loans to loans | 0.7167% | 2,230 |
| Net loans and leases to total assets | 70.6243% | 2,386 |
| Net loans and leases to deposits | 82.1332% | 2,598 |
| Net loans and leases to core deposits | 86.3182% | 2,845 |
| Total domestic deposits to total assets | 85.9875% | 2,286 |
| Equity capital to assets | 9.9141% | 3,906 |
| Core capital (leverage) ratio | 9.9389% | 3,667 |
| Tier 1 risk-based capital ratio | 13.9575% | 3,357 |
| Total risk-based capital ratio | 15.2105% | 3,276 |
| Memoranda: | ||
| Average total assets | $175,326,000 | 3,138 |
| Average earning assets | $166,378,000 | 3,097 |
| Average equity | $17,073,000 | 3,469 |
| Average total loans | $127,619,000 | 2,930 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,251 |
| Cost of funding earning assets | 0.7446% | 1,823 |
| Net interest margin | 3.8179% | 2,601 |
| Noninterest income to average assets | 0.5565% | 2,511 |
| Noninterest expense to average assets | 2.7724% | 2,779 |
| Loan and lease loss provision to assets | 0.1069% | 2,059 |
| Net operating income to assets | 1.2888% | 1,852 |
| Return on assets (ROA) | 1.2888% | 1,839 |
| Pretax return on assets | 1.2888% | 2,544 |
| Return on Equity (ROE) | 13.3659% | 1,212 |
| Retained earnings to average equity (ytd only) | 3.0735% | 3,859 |
| Net charge-offs to loans | 0.1274% | 1,478 |
| Credit loss provision to net charge-offs | 113.2075% | 2,287 |
| Earnings coverage of net charge-offs (x) | 14.7799% | 2,361 |
| Efficiency ratio | 66.5147% | 2,785 |
| Assets per employee ($millions) | 3.6468% | 4,392 |
| Cash dividends to net income (ytd only)* | 77.0046% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,571 |
| Loan loss allowance to noncurrent loans | 125.4620% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 1,561 |
| Noncurrent loans to loans | 1.1292% | 1,420 |
| Net loans and leases to total assets | 72.8651% | 2,119 |
| Net loans and leases to deposits | 84.4642% | 2,463 |
| Net loans and leases to core deposits | 88.2274% | 2,736 |
| Total domestic deposits to total assets | 86.2675% | 2,104 |
| Equity capital to assets | 9.5610% | 4,077 |
| Core capital (leverage) ratio | 9.9408% | 3,662 |
| Tier 1 risk-based capital ratio | 13.6729% | 3,456 |
| Total risk-based capital ratio | 14.9257% | 3,373 |
| Memoranda: | ||
| Average total assets | $168,373,000 | 3,187 |
| Average earning assets | $159,275,400 | 3,149 |
| Average equity | $16,235,400 | 3,495 |
| Average total loans | $124,781,200 | 2,944 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 2,382 |
| Cost of funding earning assets | 0.7021% | 1,835 |
| Net interest margin | 3.7718% | 2,746 |
| Noninterest income to average assets | 0.5846% | 2,389 |
| Noninterest expense to average assets | 2.8201% | 2,574 |
| Loan and lease loss provision to assets | 0.1080% | 1,855 |
| Net operating income to assets | 1.2269% | 2,136 |
| Return on assets (ROA) | 1.2269% | 2,135 |
| Pretax return on assets | 1.2269% | 2,891 |
| Return on Equity (ROE) | 12.6955% | 1,541 |
| Retained earnings to average equity (ytd only) | -1.1338% | 5,142 |
| Net charge-offs to loans | 0.0669% | 1,879 |
| Credit loss provision to net charge-offs | 217.7419% | 1,298 |
| Earnings coverage of net charge-offs (x) | 26.9209% | 1,722 |
| Efficiency ratio | 67.8730% | 2,561 |
| Assets per employee ($millions) | 3.5231% | 4,529 |
| Cash dividends to net income (ytd only)* | 108.9308% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,429 |
| Loan loss allowance to noncurrent loans | 117.3724% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 1,440 |
| Noncurrent loans to loans | 1.2586% | 1,341 |
| Net loans and leases to total assets | 74.3405% | 1,927 |
| Net loans and leases to deposits | 86.0622% | 2,356 |
| Net loans and leases to core deposits | 89.6858% | 2,687 |
| Total domestic deposits to total assets | 86.3800% | 2,024 |
| Equity capital to assets | 9.3022% | 4,273 |
| Core capital (leverage) ratio | 9.9934% | 3,647 |
| Tier 1 risk-based capital ratio | 13.2069% | 3,780 |
| Total risk-based capital ratio | 14.4598% | 3,697 |
| Memoranda: | ||
| Average total assets | $166,705,250 | 3,227 |
| Average earning assets | $157,798,500 | 3,189 |
| Average equity | $16,110,250 | 3,532 |
| Average total loans | $123,631,750 | 2,982 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,113 |
| Cost of funding earning assets | 0.6689% | 1,819 |
| Net interest margin | 3.8224% | 2,493 |
| Noninterest income to average assets | 0.5714% | 2,467 |
| Noninterest expense to average assets | 2.7775% | 2,729 |
| Loan and lease loss provision to assets | 0.1085% | 1,807 |
| Net operating income to assets | 1.3092% | 1,738 |
| Return on assets (ROA) | 1.3092% | 1,733 |
| Pretax return on assets | 1.3092% | 2,472 |
| Return on Equity (ROE) | 13.3771% | 1,246 |
| Retained earnings to average equity (ytd only) | -1.5151% | 5,116 |
| Net charge-offs to loans | 0.0229% | 2,413 |
| Credit loss provision to net charge-offs | 642.8571% | 596 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 801 |
| Efficiency ratio | 66.2069% | 2,934 |
| Assets per employee ($millions) | 3.3655% | 4,752 |
| Cash dividends to net income (ytd only)* | 111.3260% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,306 |
| Loan loss allowance to noncurrent loans | 107.2727% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 1,299 |
| Noncurrent loans to loans | 1.4240% | 1,186 |
| Net loans and leases to total assets | 73.7998% | 1,976 |
| Net loans and leases to deposits | 82.9436% | 2,660 |
| Net loans and leases to core deposits | 86.5574% | 2,869 |
| Total domestic deposits to total assets | 88.9759% | 944 |
| Equity capital to assets | 9.6658% | 3,947 |
| Core capital (leverage) ratio | 9.9851% | 3,598 |
| Tier 1 risk-based capital ratio | 13.4746% | 3,631 |
| Total risk-based capital ratio | 14.7281% | 3,542 |
| Memoranda: | ||
| Average total assets | $165,903,330 | 3,254 |
| Average earning assets | $157,283,330 | 3,207 |
| Average equity | $16,236,670 | 3,528 |
| Average total loans | $122,308,000 | 3,011 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 1,997 |
| Cost of funding earning assets | 0.6144% | 1,947 |
| Net interest margin | 3.8441% | 2,246 |
| Noninterest income to average assets | 0.5697% | 2,425 |
| Noninterest expense to average assets | 2.9087% | 2,333 |
| Loan and lease loss provision to assets | 0.1082% | 1,726 |
| Net operating income to assets | 1.1923% | 2,041 |
| Return on assets (ROA) | 1.1923% | 2,056 |
| Pretax return on assets | 1.1923% | 2,783 |
| Return on Equity (ROE) | 12.1086% | 1,545 |
| Retained earnings to average equity (ytd only) | 3.4910% | 3,807 |
| Net charge-offs to loans | -0.0066% | 4,101 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1034% | 2,646 |
| Assets per employee ($millions) | 3.5286% | 4,633 |
| Cash dividends to net income (ytd only)* | 71.1694% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,325 |
| Loan loss allowance to noncurrent loans | 70.5235% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 805 |
| Noncurrent loans to loans | 2.1815% | 692 |
| Net loans and leases to total assets | 71.7370% | 2,218 |
| Net loans and leases to deposits | 80.7275% | 2,726 |
| Net loans and leases to core deposits | 83.9268% | 2,989 |
| Total domestic deposits to total assets | 88.8632% | 1,169 |
| Equity capital to assets | 9.8031% | 3,790 |
| Core capital (leverage) ratio | 10.1294% | 3,385 |
| Tier 1 risk-based capital ratio | 13.9381% | 3,408 |
| Total risk-based capital ratio | 15.1917% | 3,325 |
| Memoranda: | ||
| Average total assets | $166,399,500 | 3,289 |
| Average earning assets | $157,541,500 | 3,242 |
| Average equity | $16,385,000 | 3,544 |
| Average total loans | $121,666,000 | 3,040 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,305 |
| Cost of funding earning assets | 0.5576% | 1,895 |
| Net interest margin | 3.7484% | 2,611 |
| Noninterest income to average assets | 0.5404% | 2,771 |
| Noninterest expense to average assets | 2.7393% | 2,999 |
| Loan and lease loss provision to assets | 0.0936% | 2,333 |
| Net operating income to assets | 1.2546% | 1,349 |
| Return on assets (ROA) | 1.2540% | 1,372 |
| Pretax return on assets | 1.2540% | 2,535 |
| Return on Equity (ROE) | 12.9524% | 961 |
| Retained earnings to average equity (ytd only) | 3.2303% | 3,362 |
| Net charge-offs to loans | -0.0360% | 5,102 |
| Credit loss provision to net charge-offs | -352.2727% | 4,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0162% | 3,077 |
| Assets per employee ($millions) | 3.4782% | 4,729 |
| Cash dividends to net income (ytd only)* | 75.0602% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,482 |
| Loan loss allowance to noncurrent loans | 80.2480% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 992 |
| Noncurrent loans to loans | 1.8433% | 860 |
| Net loans and leases to total assets | 72.2886% | 2,182 |
| Net loans and leases to deposits | 81.4568% | 2,767 |
| Net loans and leases to core deposits | 84.1248% | 3,047 |
| Total domestic deposits to total assets | 88.7447% | 1,119 |
| Equity capital to assets | 9.8902% | 3,828 |
| Core capital (leverage) ratio | 10.0621% | 3,373 |
| Tier 1 risk-based capital ratio | 13.6203% | 3,564 |
| Total risk-based capital ratio | 14.8731% | 3,478 |
| Memoranda: | ||
| Average total assets | $165,625,800 | 3,288 |
| Average earning assets | $156,732,800 | 3,235 |
| Average equity | $16,035,600 | 3,588 |
| Average total loans | $122,332,600 | 3,021 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,406 |
| Cost of funding earning assets | 0.5499% | 1,891 |
| Net interest margin | 3.7067% | 2,735 |
| Noninterest income to average assets | 0.5396% | 2,783 |
| Noninterest expense to average assets | 2.7829% | 2,787 |
| Loan and lease loss provision to assets | 0.0887% | 2,302 |
| Net operating income to assets | 1.1857% | 1,755 |
| Return on assets (ROA) | 1.1849% | 1,795 |
| Pretax return on assets | 1.1849% | 2,964 |
| Return on Equity (ROE) | 12.3056% | 1,242 |
| Retained earnings to average equity (ytd only) | -0.7539% | 5,326 |
| Net charge-offs to loans | -0.0305% | 5,003 |
| Credit loss provision to net charge-offs | -392.8571% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5885% | 2,768 |
| Assets per employee ($millions) | 3.4980% | 4,741 |
| Cash dividends to net income (ytd only)* | 106.1263% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,992 |
| Loan loss allowance to noncurrent loans | 61.2238% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.7629% | 801 |
| Noncurrent loans to loans | 2.2492% | 717 |
| Net loans and leases to total assets | 74.6896% | 1,804 |
| Net loans and leases to deposits | 85.2615% | 2,401 |
| Net loans and leases to core deposits | 87.9919% | 2,770 |
| Total domestic deposits to total assets | 87.6006% | 1,580 |
| Equity capital to assets | 9.5633% | 4,386 |
| Core capital (leverage) ratio | 9.6515% | 3,986 |
| Tier 1 risk-based capital ratio | 12.8131% | 4,135 |
| Total risk-based capital ratio | 14.0652% | 4,036 |
| Memoranda: | ||
| Average total assets | $165,294,000 | 3,321 |
| Average earning assets | $156,866,000 | 3,269 |
| Average equity | $15,916,500 | 3,639 |
| Average total loans | $122,290,750 | 3,046 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 2,432 |
| Cost of funding earning assets | 0.5413% | 1,834 |
| Net interest margin | 3.6686% | 2,759 |
| Noninterest income to average assets | 0.5607% | 2,652 |
| Noninterest expense to average assets | 2.7611% | 2,887 |
| Loan and lease loss provision to assets | 0.0791% | 2,405 |
| Net operating income to assets | 1.2079% | 1,568 |
| Return on assets (ROA) | 1.2066% | 1,606 |
| Pretax return on assets | 1.2066% | 2,745 |
| Return on Equity (ROE) | 12.5018% | 1,162 |
| Retained earnings to average equity (ytd only) | -2.2559% | 5,371 |
| Net charge-offs to loans | -0.0166% | 4,702 |
| Credit loss provision to net charge-offs | -650.0000% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2091% | 2,970 |
| Assets per employee ($millions) | 3.5101% | 4,710 |
| Cash dividends to net income (ytd only)* | 118.0444% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,053 |
| Loan loss allowance to noncurrent loans | 64.0607% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.5972% | 930 |
| Noncurrent loans to loans | 2.1502% | 758 |
| Net loans and leases to total assets | 73.2576% | 1,993 |
| Net loans and leases to deposits | 83.7440% | 2,516 |
| Net loans and leases to core deposits | 86.4820% | 2,833 |
| Total domestic deposits to total assets | 87.4780% | 1,735 |
| Equity capital to assets | 9.6730% | 4,254 |
| Core capital (leverage) ratio | 9.7278% | 3,864 |
| Tier 1 risk-based capital ratio | 13.2281% | 3,855 |
| Total risk-based capital ratio | 14.4797% | 3,765 |
| Memoranda: | ||
| Average total assets | $164,424,330 | 3,348 |
| Average earning assets | $156,300,670 | 3,288 |
| Average equity | $15,869,670 | 3,652 |
| Average total loans | $120,668,670 | 3,081 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 2,455 |
| Cost of funding earning assets | 0.5386% | 1,801 |
| Net interest margin | 3.6162% | 2,829 |
| Noninterest income to average assets | 0.6287% | 2,275 |
| Noninterest expense to average assets | 2.9680% | 2,252 |
| Loan and lease loss provision to assets | 0.0731% | 2,344 |
| Net operating income to assets | 1.0235% | 2,208 |
| Return on assets (ROA) | 1.0235% | 2,263 |
| Pretax return on assets | 1.0235% | 3,268 |
| Return on Equity (ROE) | 10.6158% | 1,695 |
| Retained earnings to average equity (ytd only) | -0.9858% | 5,064 |
| Net charge-offs to loans | -0.0100% | 4,421 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0216% | 2,402 |
| Assets per employee ($millions) | 3.7000% | 4,506 |
| Cash dividends to net income (ytd only)* | 109.2857% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,332 |
| Loan loss allowance to noncurrent loans | 59.9417% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.6535% | 927 |
| Noncurrent loans to loans | 2.2382% | 745 |
| Net loans and leases to total assets | 72.6989% | 1,969 |
| Net loans and leases to deposits | 81.5643% | 2,564 |
| Net loans and leases to core deposits | 83.8654% | 2,913 |
| Total domestic deposits to total assets | 89.1309% | 1,091 |
| Equity capital to assets | 9.5364% | 4,249 |
| Core capital (leverage) ratio | 9.9832% | 3,515 |
| Tier 1 risk-based capital ratio | 14.0344% | 3,452 |
| Total risk-based capital ratio | 15.2869% | 3,374 |
| Memoranda: | ||
| Average total assets | $164,149,500 | 3,382 |
| Average earning assets | $155,966,500 | 3,324 |
| Average equity | $15,825,500 | 3,682 |
| Average total loans | $119,731,000 | 3,113 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,113 |
| Cost of funding earning assets | 0.5307% | 1,865 |
| Net interest margin | 3.4936% | 3,457 |
| Noninterest income to average assets | 0.4909% | 3,294 |
| Noninterest expense to average assets | 2.7895% | 3,058 |
| Loan and lease loss provision to assets | 0.0500% | 3,396 |
| Net operating income to assets | 0.9646% | 2,515 |
| Return on assets (ROA) | 0.9708% | 2,591 |
| Pretax return on assets | 0.9708% | 3,581 |
| Return on Equity (ROE) | 9.8845% | 2,010 |
| Retained earnings to average equity (ytd only) | 3.7930% | 3,215 |
| Net charge-offs to loans | 0.0291% | 3,437 |
| Credit loss provision to net charge-offs | 253.1250% | 1,143 |
| Earnings coverage of net charge-offs (x) | 51.4063% | 994 |
| Efficiency ratio | 73.3301% | 2,372 |
| Assets per employee ($millions) | 3.4426% | 4,839 |
| Cash dividends to net income (ytd only)* | 61.6264% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 2,160 |
| Loan loss allowance to noncurrent loans | 69.7061% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4302% | 1,188 |
| Noncurrent loans to loans | 1.9816% | 911 |
| Net loans and leases to total assets | 71.1743% | 2,306 |
| Net loans and leases to deposits | 80.1169% | 2,874 |
| Net loans and leases to core deposits | 82.4580% | 3,179 |
| Total domestic deposits to total assets | 88.8381% | 1,188 |
| Equity capital to assets | 9.7485% | 4,011 |
| Core capital (leverage) ratio | 9.7579% | 3,798 |
| Tier 1 risk-based capital ratio | 13.8955% | 3,521 |
| Total risk-based capital ratio | 15.1473% | 3,437 |
| Memoranda: | ||
| Average total assets | $162,141,400 | 3,375 |
| Average earning assets | $153,766,000 | 3,328 |
| Average equity | $15,924,000 | 3,699 |
| Average total loans | $109,934,400 | 3,217 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,343 |
| Cost of funding earning assets | 0.5262% | 1,901 |
| Net interest margin | 3.4400% | 3,705 |
| Noninterest income to average assets | 0.4783% | 3,389 |
| Noninterest expense to average assets | 2.8683% | 2,748 |
| Loan and lease loss provision to assets | 0.0419% | 3,400 |
| Net operating income to assets | 0.8350% | 3,220 |
| Return on assets (ROA) | 0.8432% | 3,299 |
| Pretax return on assets | 0.8432% | 4,179 |
| Return on Equity (ROE) | 8.5703% | 2,722 |
| Retained earnings to average equity (ytd only) | 0.4761% | 5,234 |
| Net charge-offs to loans | -0.0234% | 5,065 |
| Credit loss provision to net charge-offs | -268.4211% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5855% | 1,898 |
| Assets per employee ($millions) | 3.5774% | 4,675 |
| Cash dividends to net income (ytd only)* | 94.4443% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 2,332 |
| Loan loss allowance to noncurrent loans | 61.6139% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.6292% | 1,065 |
| Noncurrent loans to loans | 2.2274% | 836 |
| Net loans and leases to total assets | 71.3592% | 2,288 |
| Net loans and leases to deposits | 82.4195% | 2,678 |
| Net loans and leases to core deposits | 84.8523% | 3,047 |
| Total domestic deposits to total assets | 86.5805% | 2,095 |
| Equity capital to assets | 9.8232% | 4,333 |
| Core capital (leverage) ratio | 9.4420% | 4,267 |
| Tier 1 risk-based capital ratio | 13.0036% | 4,157 |
| Total risk-based capital ratio | 14.2548% | 4,073 |
| Memoranda: | ||
| Average total assets | $162,226,750 | 3,392 |
| Average earning assets | $154,068,000 | 3,337 |
| Average equity | $15,961,750 | 3,728 |
| Average total loans | $108,224,750 | 3,247 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 3,747 |
| Cost of funding earning assets | 0.5110% | 2,019 |
| Net interest margin | 3.3474% | 4,070 |
| Noninterest income to average assets | 0.4831% | 3,312 |
| Noninterest expense to average assets | 2.8975% | 2,681 |
| Loan and lease loss provision to assets | 0.0372% | 3,416 |
| Net operating income to assets | 0.7296% | 3,654 |
| Return on assets (ROA) | 0.7420% | 3,746 |
| Pretax return on assets | 0.7420% | 4,486 |
| Return on Equity (ROE) | 7.5374% | 3,239 |
| Retained earnings to average equity (ytd only) | 0.0378% | 5,278 |
| Net charge-offs to loans | -0.0229% | 5,002 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0737% | 1,625 |
| Assets per employee ($millions) | 3.5004% | 4,751 |
| Cash dividends to net income (ytd only)* | 99.4992% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 2,227 |
| Loan loss allowance to noncurrent loans | 84.8389% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 1,682 |
| Noncurrent loans to loans | 1.6670% | 1,275 |
| Net loans and leases to total assets | 68.0460% | 2,769 |
| Net loans and leases to deposits | 78.6122% | 3,096 |
| Net loans and leases to core deposits | 80.9343% | 3,371 |
| Total domestic deposits to total assets | 86.5592% | 2,131 |
| Equity capital to assets | 9.8784% | 4,358 |
| Core capital (leverage) ratio | 9.6343% | 4,018 |
| Tier 1 risk-based capital ratio | 13.6736% | 3,785 |
| Total risk-based capital ratio | 14.9259% | 3,712 |
| Memoranda: | ||
| Average total assets | $161,449,330 | 3,419 |
| Average earning assets | $153,432,000 | 3,362 |
| Average equity | $15,894,000 | 3,749 |
| Average total loans | $104,612,330 | 3,328 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 4,139 |
| Cost of funding earning assets | 0.5112% | 2,016 |
| Net interest margin | 3.2384% | 4,438 |
| Noninterest income to average assets | 0.4628% | 3,399 |
| Noninterest expense to average assets | 2.9466% | 2,548 |
| Loan and lease loss provision to assets | 0.0325% | 3,223 |
| Net operating income to assets | 0.5578% | 4,381 |
| Return on assets (ROA) | 0.5578% | 4,483 |
| Pretax return on assets | 0.5578% | 4,931 |
| Return on Equity (ROE) | 5.6761% | 4,142 |
| Retained earnings to average equity (ytd only) | -0.6363% | 5,227 |
| Net charge-offs to loans | -0.0080% | 4,447 |
| Credit loss provision to net charge-offs | -650.0000% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3098% | 1,223 |
| Assets per employee ($millions) | 3.5759% | 4,691 |
| Cash dividends to net income (ytd only)* | 111.2108% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,828 |
| Loan loss allowance to noncurrent loans | 99.1212% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0639% | 2,080 |
| Noncurrent loans to loans | 1.5534% | 1,502 |
| Net loans and leases to total assets | 62.7455% | 3,421 |
| Net loans and leases to deposits | 70.7210% | 3,784 |
| Net loans and leases to core deposits | 72.7994% | 3,996 |
| Total domestic deposits to total assets | 88.7226% | 1,240 |
| Equity capital to assets | 9.9152% | 4,194 |
| Core capital (leverage) ratio | 9.7094% | 3,899 |
| Tier 1 risk-based capital ratio | 14.8176% | 3,235 |
| Total risk-based capital ratio | 16.0707% | 3,174 |
| Memoranda: | ||
| Average total assets | $159,913,500 | 3,449 |
| Average earning assets | $151,804,000 | 3,401 |
| Average equity | $15,715,000 | 3,776 |
| Average total loans | $100,140,500 | 3,421 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 3,952 |
| Cost of funding earning assets | 0.4839% | 2,321 |
| Net interest margin | 3.3445% | 4,130 |
| Noninterest income to average assets | 0.5288% | 3,146 |
| Noninterest expense to average assets | 2.8997% | 2,860 |
| Loan and lease loss provision to assets | 0.0277% | 3,824 |
| Net operating income to assets | 0.7771% | 3,437 |
| Return on assets (ROA) | 0.7771% | 3,511 |
| Pretax return on assets | 0.7771% | 4,271 |
| Return on Equity (ROE) | 8.1266% | 2,888 |
| Retained earnings to average equity (ytd only) | 0.9886% | 5,120 |
| Net charge-offs to loans | 0.0075% | 4,182 |
| Credit loss provision to net charge-offs | 628.5714% | 537 |
| Earnings coverage of net charge-offs (x) | 182.4286% | 362 |
| Efficiency ratio | 78.2749% | 1,925 |
| Assets per employee ($millions) | 3.3107% | 5,136 |
| Cash dividends to net income (ytd only)* | 87.8345% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 1,614 |
| Loan loss allowance to noncurrent loans | 135.4113% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 2,668 |
| Noncurrent loans to loans | 1.1818% | 1,994 |
| Net loans and leases to total assets | 60.5184% | 3,758 |
| Net loans and leases to deposits | 67.6598% | 4,156 |
| Net loans and leases to core deposits | 69.5028% | 4,334 |
| Total domestic deposits to total assets | 89.4451% | 890 |
| Equity capital to assets | 9.7381% | 4,249 |
| Core capital (leverage) ratio | 9.6565% | 3,965 |
| Tier 1 risk-based capital ratio | 15.6329% | 2,864 |
| Total risk-based capital ratio | 16.8873% | 2,795 |
| Memoranda: | ||
| Average total assets | $158,671,400 | 3,445 |
| Average earning assets | $150,666,200 | 3,393 |
| Average equity | $15,172,400 | 3,812 |
| Average total loans | $93,669,400 | 3,512 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,034 |
| Cost of funding earning assets | 0.4811% | 2,400 |
| Net interest margin | 3.3376% | 4,185 |
| Noninterest income to average assets | 0.5262% | 3,192 |
| Noninterest expense to average assets | 2.9278% | 2,751 |
| Loan and lease loss provision to assets | 0.0269% | 3,724 |
| Net operating income to assets | 0.7439% | 3,711 |
| Return on assets (ROA) | 0.7439% | 3,803 |
| Pretax return on assets | 0.7439% | 4,524 |
| Return on Equity (ROE) | 7.8161% | 3,181 |
| Retained earnings to average equity (ytd only) | -1.7487% | 5,829 |
| Net charge-offs to loans | -0.0748% | 5,681 |
| Credit loss provision to net charge-offs | -61.5385% | 4,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1591% | 1,778 |
| Assets per employee ($millions) | 3.3164% | 5,096 |
| Cash dividends to net income (ytd only)* | 122.3726% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 1,520 |
| Loan loss allowance to noncurrent loans | 159.9801% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,363 |
| Noncurrent loans to loans | 1.0508% | 2,383 |
| Net loans and leases to total assets | 59.1863% | 3,984 |
| Net loans and leases to deposits | 66.1778% | 4,372 |
| Net loans and leases to core deposits | 67.9735% | 4,541 |
| Total domestic deposits to total assets | 89.4352% | 806 |
| Equity capital to assets | 9.6583% | 4,563 |
| Core capital (leverage) ratio | 9.5187% | 4,278 |
| Tier 1 risk-based capital ratio | 15.3312% | 3,125 |
| Total risk-based capital ratio | 16.5855% | 3,050 |
| Memoranda: | ||
| Average total assets | $158,611,250 | 3,483 |
| Average earning assets | $150,761,500 | 3,421 |
| Average equity | $15,096,750 | 3,858 |
| Average total loans | $92,653,000 | 3,564 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 4,130 |
| Cost of funding earning assets | 0.4807% | 2,426 |
| Net interest margin | 3.3000% | 4,304 |
| Noninterest income to average assets | 0.5555% | 3,005 |
| Noninterest expense to average assets | 2.9050% | 2,875 |
| Loan and lease loss provision to assets | 0.0252% | 3,628 |
| Net operating income to assets | 0.7714% | 3,532 |
| Return on assets (ROA) | 0.7714% | 3,633 |
| Pretax return on assets | 0.7714% | 4,419 |
| Return on Equity (ROE) | 8.1445% | 2,966 |
| Retained earnings to average equity (ytd only) | -2.7059% | 5,893 |
| Net charge-offs to loans | -0.1026% | 5,803 |
| Credit loss provision to net charge-offs | -42.5532% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4789% | 1,990 |
| Assets per employee ($millions) | 3.4638% | 4,864 |
| Cash dividends to net income (ytd only)* | 133.2242% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 1,658 |
| Loan loss allowance to noncurrent loans | 269.7124% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 4,416 |
| Noncurrent loans to loans | 0.6227% | 3,603 |
| Net loans and leases to total assets | 58.5620% | 4,031 |
| Net loans and leases to deposits | 65.1195% | 4,427 |
| Net loans and leases to core deposits | 67.0795% | 4,564 |
| Total domestic deposits to total assets | 89.9301% | 688 |
| Equity capital to assets | 9.1937% | 5,025 |
| Core capital (leverage) ratio | 9.5062% | 4,274 |
| Tier 1 risk-based capital ratio | 16.0976% | 2,808 |
| Total risk-based capital ratio | 17.3534% | 2,764 |
| Memoranda: | ||
| Average total assets | $158,418,670 | 3,511 |
| Average earning assets | $151,030,000 | 3,435 |
| Average equity | $15,004,000 | 3,885 |
| Average total loans | $91,594,330 | 3,605 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,137 |
| Cost of funding earning assets | 0.4813% | 2,441 |
| Net interest margin | 3.2869% | 4,274 |
| Noninterest income to average assets | 0.5014% | 3,276 |
| Noninterest expense to average assets | 2.9121% | 2,866 |
| Loan and lease loss provision to assets | 0.0203% | 3,451 |
| Net operating income to assets | 0.6989% | 3,806 |
| Return on assets (ROA) | 0.6989% | 3,933 |
| Pretax return on assets | 0.6989% | 4,593 |
| Return on Equity (ROE) | 7.2720% | 3,350 |
| Retained earnings to average equity (ytd only) | -1.5018% | 5,618 |
| Net charge-offs to loans | -0.0044% | 4,468 |
| Credit loss provision to net charge-offs | -800.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1953% | 1,875 |
| Assets per employee ($millions) | 3.5194% | 4,863 |
| Cash dividends to net income (ytd only)* | 120.6522% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,756 |
| Loan loss allowance to noncurrent loans | 215.7303% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 4,238 |
| Noncurrent loans to loans | 0.7843% | 3,295 |
| Net loans and leases to total assets | 56.3524% | 4,161 |
| Net loans and leases to deposits | 63.0222% | 4,480 |
| Net loans and leases to core deposits | 64.7501% | 4,631 |
| Total domestic deposits to total assets | 89.4168% | 1,035 |
| Equity capital to assets | 9.7397% | 4,445 |
| Core capital (leverage) ratio | 9.6957% | 4,018 |
| Tier 1 risk-based capital ratio | 16.6261% | 2,625 |
| Total risk-based capital ratio | 17.8813% | 2,577 |
| Memoranda: | ||
| Average total assets | $157,959,500 | 3,542 |
| Average earning assets | $150,414,500 | 3,460 |
| Average equity | $15,181,500 | 3,890 |
| Average total loans | $89,939,000 | 3,647 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,467 |
| Cost of funding earning assets | 0.5363% | 2,320 |
| Net interest margin | 3.2717% | 4,677 |
| Noninterest income to average assets | 0.4599% | 3,781 |
| Noninterest expense to average assets | 2.7290% | 3,757 |
| Loan and lease loss provision to assets | 0.0204% | 4,213 |
| Net operating income to assets | 0.8232% | 3,265 |
| Return on assets (ROA) | 0.7964% | 3,493 |
| Pretax return on assets | 0.7964% | 4,271 |
| Return on Equity (ROE) | 9.1810% | 2,495 |
| Retained earnings to average equity (ytd only) | 2.0533% | 4,753 |
| Net charge-offs to loans | 0.2503% | 1,712 |
| Credit loss provision to net charge-offs | 14.8148% | 4,042 |
| Earnings coverage of net charge-offs (x) | 6.1389% | 3,264 |
| Efficiency ratio | 76.3889% | 2,451 |
| Assets per employee ($millions) | 3.5010% | 4,897 |
| Cash dividends to net income (ytd only)* | 77.6358% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 1,740 |
| Loan loss allowance to noncurrent loans | 265.5652% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 4,482 |
| Noncurrent loans to loans | 0.6454% | 3,751 |
| Net loans and leases to total assets | 55.5825% | 4,385 |
| Net loans and leases to deposits | 61.9626% | 4,728 |
| Net loans and leases to core deposits | 63.7777% | 4,848 |
| Total domestic deposits to total assets | 89.7033% | 871 |
| Equity capital to assets | 9.4817% | 4,742 |
| Core capital (leverage) ratio | 9.6322% | 4,054 |
| Tier 1 risk-based capital ratio | 15.5059% | 3,230 |
| Total risk-based capital ratio | 16.7591% | 3,159 |
| Memoranda: | ||
| Average total assets | $157,200,400 | 3,533 |
| Average earning assets | $149,556,400 | 3,450 |
| Average equity | $13,636,800 | 4,082 |
| Average total loans | $86,293,200 | 3,708 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,588 |
| Cost of funding earning assets | 0.5470% | 2,317 |
| Net interest margin | 3.2400% | 4,824 |
| Noninterest income to average assets | 0.4421% | 3,944 |
| Noninterest expense to average assets | 2.7309% | 3,708 |
| Loan and lease loss provision to assets | 0.0221% | 3,968 |
| Net operating income to assets | 0.7705% | 3,563 |
| Return on assets (ROA) | 0.7349% | 3,859 |
| Pretax return on assets | 0.7349% | 4,573 |
| Return on Equity (ROE) | 8.6740% | 2,859 |
| Retained earnings to average equity (ytd only) | -1.0517% | 5,971 |
| Net charge-offs to loans | 0.0701% | 3,193 |
| Credit loss provision to net charge-offs | 57.7778% | 2,978 |
| Earnings coverage of net charge-offs (x) | 20.7550% | 1,709 |
| Efficiency ratio | 77.5048% | 2,263 |
| Assets per employee ($millions) | 3.5810% | 4,716 |
| Cash dividends to net income (ytd only)* | 112.1241% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 1,395 |
| Loan loss allowance to noncurrent loans | 150.5338% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 3,528 |
| Noncurrent loans to loans | 1.2802% | 2,499 |
| Net loans and leases to total assets | 54.6479% | 4,499 |
| Net loans and leases to deposits | 60.5728% | 4,888 |
| Net loans and leases to core deposits | 62.1870% | 5,023 |
| Total domestic deposits to total assets | 90.2186% | 643 |
| Equity capital to assets | 8.8884% | 5,477 |
| Core capital (leverage) ratio | 9.4283% | 4,470 |
| Tier 1 risk-based capital ratio | 15.1571% | 3,503 |
| Total risk-based capital ratio | 16.4126% | 3,434 |
| Memoranda: | ||
| Average total assets | $157,114,000 | 3,562 |
| Average earning assets | $149,420,000 | 3,480 |
| Average equity | $13,311,500 | 4,161 |
| Average total loans | $85,592,750 | 3,765 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,568 |
| Cost of funding earning assets | 0.5589% | 2,274 |
| Net interest margin | 3.2285% | 4,849 |
| Noninterest income to average assets | 0.4039% | 4,213 |
| Noninterest expense to average assets | 2.7013% | 3,860 |
| Loan and lease loss provision to assets | 0.0255% | 3,771 |
| Net operating income to assets | 0.7390% | 3,628 |
| Return on assets (ROA) | 0.6868% | 4,007 |
| Pretax return on assets | 0.6868% | 4,690 |
| Return on Equity (ROE) | 8.2414% | 2,962 |
| Retained earnings to average equity (ytd only) | -2.4923% | 6,042 |
| Net charge-offs to loans | 0.1226% | 2,448 |
| Credit loss provision to net charge-offs | 38.4615% | 2,944 |
| Earnings coverage of net charge-offs (x) | 11.5385% | 2,149 |
| Efficiency ratio | 77.9412% | 2,296 |
| Assets per employee ($millions) | 3.5975% | 4,664 |
| Cash dividends to net income (ytd only)* | 130.2412% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 1,436 |
| Loan loss allowance to noncurrent loans | 210.4010% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 4,110 |
| Noncurrent loans to loans | 0.9305% | 3,388 |
| Net loans and leases to total assets | 53.1193% | 4,631 |
| Net loans and leases to deposits | 58.7830% | 4,975 |
| Net loans and leases to core deposits | 60.3387% | 5,113 |
| Total domestic deposits to total assets | 90.3651% | 634 |
| Equity capital to assets | 8.7947% | 5,525 |
| Core capital (leverage) ratio | 9.3694% | 4,504 |
| Tier 1 risk-based capital ratio | 15.1896% | 3,532 |
| Total risk-based capital ratio | 16.4456% | 3,475 |
| Memoranda: | ||
| Average total assets | $156,963,670 | 3,581 |
| Average earning assets | $148,862,670 | 3,505 |
| Average equity | $13,080,330 | 4,205 |
| Average total loans | $84,857,670 | 3,797 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 4,461 |
| Cost of funding earning assets | 0.5650% | 2,291 |
| Net interest margin | 3.2421% | 4,770 |
| Noninterest income to average assets | 0.4171% | 4,052 |
| Noninterest expense to average assets | 2.6871% | 3,977 |
| Loan and lease loss provision to assets | 0.0128% | 3,661 |
| Net operating income to assets | 0.8010% | 3,151 |
| Return on assets (ROA) | 0.6961% | 3,790 |
| Pretax return on assets | 0.6961% | 4,500 |
| Return on Equity (ROE) | 8.5940% | 2,645 |
| Retained earnings to average equity (ytd only) | 0.9479% | 5,221 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7544% | 2,678 |
| Assets per employee ($millions) | 3.5717% | 4,787 |
| Cash dividends to net income (ytd only)* | 88.9706% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 1,468 |
| Loan loss allowance to noncurrent loans | 225.7895% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 4,222 |
| Noncurrent loans to loans | 0.8956% | 3,643 |
| Net loans and leases to total assets | 52.9080% | 4,551 |
| Net loans and leases to deposits | 58.3091% | 4,908 |
| Net loans and leases to core deposits | 59.8572% | 5,053 |
| Total domestic deposits to total assets | 90.7371% | 674 |
| Equity capital to assets | 8.4554% | 5,689 |
| Core capital (leverage) ratio | 9.6857% | 4,014 |
| Tier 1 risk-based capital ratio | 15.7144% | 3,323 |
| Total risk-based capital ratio | 16.9712% | 3,280 |
| Memoranda: | ||
| Average total assets | $156,301,000 | 3,620 |
| Average earning assets | $148,667,500 | 3,527 |
| Average equity | $12,660,000 | 4,307 |
| Average total loans | $84,406,000 | 3,835 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 4,131 |
| Cost of funding earning assets | 0.6260% | 2,428 |
| Net interest margin | 3.3610% | 4,430 |
| Noninterest income to average assets | 0.5252% | 3,593 |
| Noninterest expense to average assets | 2.5881% | 4,505 |
| Loan and lease loss provision to assets | 0.1334% | 2,642 |
| Net operating income to assets | 0.9937% | 2,353 |
| Return on assets (ROA) | 0.9918% | 2,432 |
| Pretax return on assets | 0.9918% | 3,383 |
| Return on Equity (ROE) | 11.2477% | 1,687 |
| Retained earnings to average equity (ytd only) | 0.5461% | 5,596 |
| Net charge-offs to loans | 0.1099% | 3,728 |
| Credit loss provision to net charge-offs | 215.7895% | 1,072 |
| Earnings coverage of net charge-offs (x) | 18.2316% | 1,662 |
| Efficiency ratio | 69.6619% | 3,888 |
| Assets per employee ($millions) | 3.4544% | 4,989 |
| Cash dividends to net income (ytd only)* | 95.1444% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0381% | 1,466 |
| Loan loss allowance to noncurrent loans | 213.3416% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 4,075 |
| Noncurrent loans to loans | 0.9553% | 3,605 |
| Net loans and leases to total assets | 52.9039% | 4,736 |
| Net loans and leases to deposits | 57.8408% | 5,138 |
| Net loans and leases to core deposits | 59.3802% | 5,267 |
| Total domestic deposits to total assets | 91.4647% | 413 |
| Equity capital to assets | 7.7402% | 6,165 |
| Core capital (leverage) ratio | 9.7879% | 3,856 |
| Tier 1 risk-based capital ratio | 15.7600% | 3,218 |
| Total risk-based capital ratio | 17.0167% | 3,173 |
| Memoranda: | ||
| Average total assets | $153,663,000 | 3,646 |
| Average earning assets | $145,851,600 | 3,574 |
| Average equity | $13,549,400 | 4,155 |
| Average total loans | $86,421,400 | 3,771 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 4,141 |
| Cost of funding earning assets | 0.6352% | 2,505 |
| Net interest margin | 3.3622% | 4,424 |
| Noninterest income to average assets | 0.5117% | 3,724 |
| Noninterest expense to average assets | 2.5767% | 4,473 |
| Loan and lease loss provision to assets | 0.1784% | 2,040 |
| Net operating income to assets | 0.9485% | 2,604 |
| Return on assets (ROA) | 0.9459% | 2,723 |
| Pretax return on assets | 0.9459% | 3,705 |
| Return on Equity (ROE) | 10.4051% | 2,037 |
| Retained earnings to average equity (ytd only) | -3.4748% | 6,391 |
| Net charge-offs to loans | 0.0398% | 4,348 |
| Credit loss provision to net charge-offs | 788.4615% | 370 |
| Earnings coverage of net charge-offs (x) | 49.8016% | 867 |
| Efficiency ratio | 69.5724% | 3,823 |
| Assets per employee ($millions) | 3.5073% | 4,836 |
| Cash dividends to net income (ytd only)* | 133.3947% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0951% | 1,511 |
| Loan loss allowance to noncurrent loans | 163.0037% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 3,695 |
| Noncurrent loans to loans | 1.2853% | 3,260 |
| Net loans and leases to total assets | 55.1541% | 4,435 |
| Net loans and leases to deposits | 60.7133% | 4,901 |
| Net loans and leases to core deposits | 62.2420% | 5,091 |
| Total domestic deposits to total assets | 90.8436% | 596 |
| Equity capital to assets | 8.2513% | 5,955 |
| Core capital (leverage) ratio | 9.6144% | 4,225 |
| Tier 1 risk-based capital ratio | 15.8151% | 3,292 |
| Total risk-based capital ratio | 17.0738% | 3,240 |
| Memoranda: | ||
| Average total assets | $153,216,750 | 3,687 |
| Average earning assets | $145,456,250 | 3,617 |
| Average equity | $13,928,750 | 4,129 |
| Average total loans | $87,039,500 | 3,789 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 4,140 |
| Cost of funding earning assets | 0.6421% | 2,573 |
| Net interest margin | 3.3501% | 4,377 |
| Noninterest income to average assets | 0.5285% | 3,644 |
| Noninterest expense to average assets | 2.5010% | 4,722 |
| Loan and lease loss provision to assets | 0.2143% | 1,764 |
| Net operating income to assets | 0.9908% | 2,371 |
| Return on assets (ROA) | 0.9908% | 2,508 |
| Pretax return on assets | 0.9908% | 3,550 |
| Return on Equity (ROE) | 10.5798% | 1,978 |
| Retained earnings to average equity (ytd only) | -3.2447% | 6,338 |
| Net charge-offs to loans | 0.0479% | 4,008 |
| Credit loss provision to net charge-offs | 785.7143% | 384 |
| Earnings coverage of net charge-offs (x) | 44.1905% | 863 |
| Efficiency ratio | 67.4842% | 4,266 |
| Assets per employee ($millions) | 3.5027% | 4,846 |
| Cash dividends to net income (ytd only)* | 130.6684% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 1,880 |
| Loan loss allowance to noncurrent loans | 145.4167% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1686% | 3,415 |
| Noncurrent loans to loans | 1.3672% | 3,270 |
| Net loans and leases to total assets | 55.8199% | 4,324 |
| Net loans and leases to deposits | 61.4692% | 4,806 |
| Net loans and leases to core deposits | 62.8423% | 5,025 |
| Total domestic deposits to total assets | 90.8096% | 616 |
| Equity capital to assets | 8.3729% | 5,895 |
| Core capital (leverage) ratio | 9.5658% | 4,132 |
| Tier 1 risk-based capital ratio | 15.5077% | 3,476 |
| Total risk-based capital ratio | 16.7648% | 3,425 |
| Memoranda: | ||
| Average total assets | $154,018,330 | 3,702 |
| Average earning assets | $146,087,330 | 3,628 |
| Average equity | $14,423,670 | 4,063 |
| Average total loans | $87,733,000 | 3,777 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 4,067 |
| Cost of funding earning assets | 0.6604% | 2,561 |
| Net interest margin | 3.3516% | 4,310 |
| Noninterest income to average assets | 0.4754% | 3,953 |
| Noninterest expense to average assets | 2.4239% | 5,039 |
| Loan and lease loss provision to assets | 0.2728% | 1,293 |
| Net operating income to assets | 0.9612% | 2,393 |
| Return on assets (ROA) | 0.9612% | 2,522 |
| Pretax return on assets | 0.9430% | 3,597 |
| Return on Equity (ROE) | 9.7474% | 2,159 |
| Retained earnings to average equity (ytd only) | 1.2909% | 5,337 |
| Net charge-offs to loans | -0.0182% | 5,679 |
| Credit loss provision to net charge-offs | -2,625.0000% | 5,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5953% | 4,558 |
| Assets per employee ($millions) | 3.5108% | 4,958 |
| Cash dividends to net income (ytd only)* | 86.7568% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 2,150 |
| Loan loss allowance to noncurrent loans | 175.2049% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 3,252 |
| Noncurrent loans to loans | 1.1173% | 3,913 |
| Net loans and leases to total assets | 55.4400% | 4,179 |
| Net loans and leases to deposits | 61.9795% | 4,550 |
| Net loans and leases to core deposits | 62.8394% | 4,866 |
| Total domestic deposits to total assets | 89.4489% | 1,385 |
| Equity capital to assets | 9.7872% | 4,440 |
| Core capital (leverage) ratio | 9.7650% | 3,709 |
| Tier 1 risk-based capital ratio | 15.5862% | 3,478 |
| Total risk-based capital ratio | 16.8429% | 3,440 |
| Memoranda: | ||
| Average total assets | $153,969,000 | 3,744 |
| Average earning assets | $145,362,500 | 3,671 |
| Average equity | $15,183,500 | 3,958 |
| Average total loans | $87,713,000 | 3,797 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 3,492 |
| Cost of funding earning assets | 0.7858% | 2,776 |
| Net interest margin | 3.6922% | 3,683 |
| Noninterest income to average assets | 0.4568% | 4,205 |
| Noninterest expense to average assets | 2.7550% | 4,199 |
| Loan and lease loss provision to assets | 0.2793% | 2,418 |
| Net operating income to assets | 0.8737% | 2,938 |
| Return on assets (ROA) | 1.0301% | 2,415 |
| Pretax return on assets | 1.0474% | 3,365 |
| Return on Equity (ROE) | 10.3120% | 2,041 |
| Retained earnings to average equity (ytd only) | 1.6443% | 5,041 |
| Net charge-offs to loans | 0.2116% | 3,695 |
| Credit loss provision to net charge-offs | 214.2857% | 1,182 |
| Earnings coverage of net charge-offs (x) | 8.9541% | 2,330 |
| Efficiency ratio | 70.2442% | 3,762 |
| Assets per employee ($millions) | 3.5689% | 4,851 |
| Cash dividends to net income (ytd only)* | 84.0542% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,533 |
| Loan loss allowance to noncurrent loans | 186.8145% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2765% | 3,519 |
| Noncurrent loans to loans | 0.9730% | 4,248 |
| Net loans and leases to total assets | 56.3485% | 4,227 |
| Net loans and leases to deposits | 63.0969% | 4,652 |
| Net loans and leases to core deposits | 63.9792% | 4,957 |
| Total domestic deposits to total assets | 89.3048% | 1,369 |
| Equity capital to assets | 9.9361% | 4,259 |
| Core capital (leverage) ratio | 9.7737% | 3,692 |
| Tier 1 risk-based capital ratio | 15.5462% | 3,396 |
| Total risk-based capital ratio | 16.8018% | 3,356 |
| Memoranda: | ||
| Average total assets | $150,379,400 | 3,767 |
| Average earning assets | $141,137,200 | 3,706 |
| Average equity | $15,021,400 | 3,964 |
| Average total loans | $92,608,000 | 3,685 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 3,573 |
| Cost of funding earning assets | 0.8173% | 2,801 |
| Net interest margin | 3.6978% | 3,803 |
| Noninterest income to average assets | 0.4839% | 4,030 |
| Noninterest expense to average assets | 2.7671% | 4,100 |
| Loan and lease loss provision to assets | 0.2807% | 2,321 |
| Net operating income to assets | 0.8848% | 3,055 |
| Return on assets (ROA) | 1.0944% | 2,306 |
| Pretax return on assets | 1.1176% | 3,285 |
| Return on Equity (ROE) | 10.9410% | 1,983 |
| Retained earnings to average equity (ytd only) | -0.6682% | 6,212 |
| Net charge-offs to loans | 0.2489% | 3,228 |
| Credit loss provision to net charge-offs | 180.0000% | 1,546 |
| Earnings coverage of net charge-offs (x) | 7.5942% | 2,581 |
| Efficiency ratio | 70.0271% | 3,679 |
| Assets per employee ($millions) | 3.3084% | 5,424 |
| Cash dividends to net income (ytd only)* | 106.1077% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,502 |
| Loan loss allowance to noncurrent loans | 86.3895% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 2,868 |
| Noncurrent loans to loans | 1.8561% | 3,005 |
| Net loans and leases to total assets | 62.5266% | 3,297 |
| Net loans and leases to deposits | 70.9698% | 3,762 |
| Net loans and leases to core deposits | 72.7178% | 4,166 |
| Total domestic deposits to total assets | 88.1031% | 1,985 |
| Equity capital to assets | 10.0847% | 4,380 |
| Core capital (leverage) ratio | 9.7087% | 3,946 |
| Tier 1 risk-based capital ratio | 14.5683% | 4,137 |
| Total risk-based capital ratio | 15.8213% | 4,103 |
| Memoranda: | ||
| Average total assets | $149,609,000 | 3,826 |
| Average earning assets | $140,296,250 | 3,759 |
| Average equity | $14,964,750 | 4,010 |
| Average total loans | $93,741,500 | 3,701 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 3,510 |
| Cost of funding earning assets | 0.8537% | 2,771 |
| Net interest margin | 3.7102% | 3,769 |
| Noninterest income to average assets | 0.4645% | 4,169 |
| Noninterest expense to average assets | 2.7334% | 4,273 |
| Loan and lease loss provision to assets | 0.3203% | 2,063 |
| Net operating income to assets | 0.8448% | 3,169 |
| Return on assets (ROA) | 0.8448% | 3,438 |
| Pretax return on assets | 0.8795% | 4,157 |
| Return on Equity (ROE) | 8.4692% | 3,030 |
| Retained earnings to average equity (ytd only) | -2.3815% | 6,399 |
| Net charge-offs to loans | 0.4023% | 2,415 |
| Credit loss provision to net charge-offs | 127.6596% | 2,156 |
| Earnings coverage of net charge-offs (x) | 4.7819% | 2,988 |
| Efficiency ratio | 69.4944% | 3,850 |
| Assets per employee ($millions) | 3.4349% | 5,131 |
| Cash dividends to net income (ytd only)* | 128.1201% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,932 |
| Loan loss allowance to noncurrent loans | 119.1827% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4669% | 3,505 |
| Noncurrent loans to loans | 1.2732% | 4,005 |
| Net loans and leases to total assets | 61.3630% | 3,558 |
| Net loans and leases to deposits | 68.7128% | 4,088 |
| Net loans and leases to core deposits | 70.5013% | 4,468 |
| Total domestic deposits to total assets | 89.3036% | 1,332 |
| Equity capital to assets | 9.8329% | 4,571 |
| Core capital (leverage) ratio | 9.6558% | 3,914 |
| Tier 1 risk-based capital ratio | 14.4825% | 4,115 |
| Total risk-based capital ratio | 15.7349% | 4,074 |
| Memoranda: | ||
| Average total assets | $149,852,330 | 3,838 |
| Average earning assets | $140,099,000 | 3,784 |
| Average equity | $14,948,330 | 4,001 |
| Average total loans | $93,453,330 | 3,723 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 3,570 |
| Cost of funding earning assets | 0.8945% | 2,734 |
| Net interest margin | 3.6921% | 3,868 |
| Noninterest income to average assets | 0.5013% | 3,900 |
| Noninterest expense to average assets | 2.7746% | 4,143 |
| Loan and lease loss provision to assets | 0.3217% | 1,955 |
| Net operating income to assets | 0.8257% | 3,273 |
| Return on assets (ROA) | 0.8257% | 3,501 |
| Pretax return on assets | 0.8686% | 4,161 |
| Return on Equity (ROE) | 8.2177% | 3,185 |
| Retained earnings to average equity (ytd only) | 0.6670% | 5,794 |
| Net charge-offs to loans | 0.1633% | 3,108 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 11.6842% | 1,656 |
| Efficiency ratio | 69.9797% | 3,810 |
| Assets per employee ($millions) | 3.4986% | 5,120 |
| Cash dividends to net income (ytd only)* | 91.8831% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 3,788 |
| Loan loss allowance to noncurrent loans | 99.3869% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.4331% | 3,713 |
| Noncurrent loans to loans | 1.5936% | 3,728 |
| Net loans and leases to total assets | 60.2608% | 3,609 |
| Net loans and leases to deposits | 67.5164% | 4,146 |
| Net loans and leases to core deposits | 68.9292% | 4,572 |
| Total domestic deposits to total assets | 89.2536% | 1,517 |
| Equity capital to assets | 9.9341% | 4,212 |
| Core capital (leverage) ratio | 9.9229% | 3,464 |
| Tier 1 risk-based capital ratio | 14.9842% | 3,771 |
| Total risk-based capital ratio | 16.2375% | 3,728 |
| Memoranda: | ||
| Average total assets | $149,211,000 | 3,886 |
| Average earning assets | $139,973,000 | 3,816 |
| Average equity | $14,992,000 | 3,990 |
| Average total loans | $93,095,000 | 3,752 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 3,822 |
| Cost of funding earning assets | 1.0872% | 2,751 |
| Net interest margin | 3.7107% | 4,252 |
| Noninterest income to average assets | 0.4938% | 3,894 |
| Noninterest expense to average assets | 2.7967% | 4,360 |
| Loan and lease loss provision to assets | 0.3290% | 3,051 |
| Net operating income to assets | 0.8139% | 2,982 |
| Return on assets (ROA) | 0.8152% | 3,140 |
| Pretax return on assets | 0.8580% | 3,753 |
| Return on Equity (ROE) | 8.1559% | 2,830 |
| Retained earnings to average equity (ytd only) | 2.8152% | 4,241 |
| Net charge-offs to loans | 0.5922% | 2,676 |
| Credit loss provision to net charge-offs | 83.5377% | 4,299 |
| Earnings coverage of net charge-offs (x) | 3.0105% | 3,702 |
| Efficiency ratio | 70.2286% | 3,898 |
| Assets per employee ($millions) | 3.6093% | 4,750 |
| Cash dividends to net income (ytd only)* | 65.4822% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 4,176 |
| Loan loss allowance to noncurrent loans | 95.6250% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 3,933 |
| Noncurrent loans to loans | 1.5307% | 3,853 |
| Net loans and leases to total assets | 62.6411% | 3,483 |
| Net loans and leases to deposits | 70.3561% | 4,039 |
| Net loans and leases to core deposits | 71.4087% | 4,605 |
| Total domestic deposits to total assets | 89.0344% | 1,517 |
| Equity capital to assets | 10.1628% | 3,954 |
| Core capital (leverage) ratio | 9.9056% | 3,448 |
| Tier 1 risk-based capital ratio | 14.9116% | 3,690 |
| Total risk-based capital ratio | 16.1640% | 3,659 |
| Memoranda: | ||
| Average total assets | $144,990,600 | 3,891 |
| Average earning assets | $136,307,600 | 3,815 |
| Average equity | $14,492,600 | 4,010 |
| Average total loans | $96,416,600 | 3,719 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 3,818 |
| Cost of funding earning assets | 1.1336% | 2,751 |
| Net interest margin | 3.7093% | 4,295 |
| Noninterest income to average assets | 0.4631% | 4,193 |
| Noninterest expense to average assets | 2.8627% | 4,090 |
| Loan and lease loss provision to assets | 0.3300% | 2,902 |
| Net operating income to assets | 0.7173% | 3,518 |
| Return on assets (ROA) | 0.7173% | 3,694 |
| Pretax return on assets | 0.7607% | 4,277 |
| Return on Equity (ROE) | 7.2070% | 3,420 |
| Retained earnings to average equity (ytd only) | 0.0093% | 5,950 |
| Net charge-offs to loans | 0.6488% | 2,304 |
| Credit loss provision to net charge-offs | 75.6356% | 4,289 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,881 |
| Efficiency ratio | 72.4106% | 3,472 |
| Assets per employee ($millions) | 3.4347% | 5,154 |
| Cash dividends to net income (ytd only)* | 99.8715% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 4,545 |
| Loan loss allowance to noncurrent loans | 79.5775% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.7608% | 3,459 |
| Noncurrent loans to loans | 1.7648% | 3,685 |
| Net loans and leases to total assets | 65.9938% | 2,901 |
| Net loans and leases to deposits | 74.2706% | 3,618 |
| Net loans and leases to core deposits | 75.8475% | 4,209 |
| Total domestic deposits to total assets | 88.8559% | 1,514 |
| Equity capital to assets | 10.1043% | 4,203 |
| Core capital (leverage) ratio | 9.7541% | 3,766 |
| Tier 1 risk-based capital ratio | 14.4240% | 4,036 |
| Total risk-based capital ratio | 15.6753% | 3,997 |
| Memoranda: | ||
| Average total assets | $144,243,000 | 3,919 |
| Average earning assets | $135,725,750 | 3,843 |
| Average equity | $14,356,000 | 4,062 |
| Average total loans | $97,002,250 | 3,724 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 3,733 |
| Cost of funding earning assets | 1.1523% | 2,885 |
| Net interest margin | 3.7232% | 4,159 |
| Noninterest income to average assets | 0.4451% | 4,316 |
| Noninterest expense to average assets | 2.8689% | 4,146 |
| Loan and lease loss provision to assets | 0.3092% | 2,940 |
| Net operating income to assets | 0.7141% | 3,472 |
| Return on assets (ROA) | 0.7141% | 3,588 |
| Pretax return on assets | 0.7571% | 4,184 |
| Return on Equity (ROE) | 7.2115% | 3,343 |
| Retained earnings to average equity (ytd only) | 1.3583% | 5,312 |
| Net charge-offs to loans | 0.0247% | 5,485 |
| Credit loss provision to net charge-offs | 1,858.3333% | 184 |
| Earnings coverage of net charge-offs (x) | 64.0833% | 511 |
| Efficiency ratio | 72.9035% | 3,559 |
| Assets per employee ($millions) | 3.4052% | 5,184 |
| Cash dividends to net income (ytd only)* | 81.1650% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 3,233 |
| Loan loss allowance to noncurrent loans | 104.7975% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 3,707 |
| Noncurrent loans to loans | 1.6495% | 3,938 |
| Net loans and leases to total assets | 65.3051% | 3,184 |
| Net loans and leases to deposits | 73.5256% | 3,875 |
| Net loans and leases to core deposits | 74.9126% | 4,452 |
| Total domestic deposits to total assets | 88.8195% | 1,655 |
| Equity capital to assets | 9.9962% | 4,159 |
| Core capital (leverage) ratio | 9.8917% | 3,397 |
| Tier 1 risk-based capital ratio | 14.4572% | 3,819 |
| Total risk-based capital ratio | 15.7090% | 3,788 |
| Memoranda: | ||
| Average total assets | $144,238,670 | 3,948 |
| Average earning assets | $135,206,670 | 3,878 |
| Average equity | $14,282,670 | 4,066 |
| Average total loans | $97,151,000 | 3,759 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 3,682 |
| Cost of funding earning assets | 1.1783% | 2,960 |
| Net interest margin | 3.7036% | 4,081 |
| Noninterest income to average assets | 0.4778% | 4,067 |
| Noninterest expense to average assets | 2.9816% | 3,723 |
| Loan and lease loss provision to assets | 0.2515% | 3,141 |
| Net operating income to assets | 0.6958% | 3,531 |
| Return on assets (ROA) | 0.6958% | 3,597 |
| Pretax return on assets | 0.7405% | 4,143 |
| Return on Equity (ROE) | 7.0611% | 3,348 |
| Retained earnings to average equity (ytd only) | -0.2836% | 5,845 |
| Net charge-offs to loans | 0.0124% | 4,911 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 118.3333% | 276 |
| Efficiency ratio | 75.0352% | 3,329 |
| Assets per employee ($millions) | 3.1967% | 5,721 |
| Cash dividends to net income (ytd only)* | 104.0161% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 3,729 |
| Loan loss allowance to noncurrent loans | 86.1249% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 3,726 |
| Noncurrent loans to loans | 1.8562% | 3,750 |
| Net loans and leases to total assets | 66.6662% | 2,840 |
| Net loans and leases to deposits | 74.8149% | 3,630 |
| Net loans and leases to core deposits | 76.2418% | 4,273 |
| Total domestic deposits to total assets | 89.1082% | 1,709 |
| Equity capital to assets | 9.8366% | 3,983 |
| Core capital (leverage) ratio | 9.9340% | 3,221 |
| Tier 1 risk-based capital ratio | 14.4043% | 3,802 |
| Total risk-based capital ratio | 15.6590% | 3,759 |
| Memoranda: | ||
| Average total assets | $143,145,500 | 4,010 |
| Average earning assets | $135,111,500 | 3,911 |
| Average equity | $14,105,500 | 4,093 |
| Average total loans | $97,074,000 | 3,809 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 3,657 |
| Cost of funding earning assets | 1.4984% | 2,648 |
| Net interest margin | 3.6918% | 4,379 |
| Noninterest income to average assets | 0.6094% | 3,407 |
| Noninterest expense to average assets | 2.7102% | 4,942 |
| Loan and lease loss provision to assets | 0.3850% | 3,807 |
| Net operating income to assets | 0.9690% | 2,134 |
| Return on assets (ROA) | 0.9690% | 2,256 |
| Pretax return on assets | 0.9916% | 2,956 |
| Return on Equity (ROE) | 9.7388% | 2,025 |
| Retained earnings to average equity (ytd only) | 3.3079% | 3,554 |
| Net charge-offs to loans | 0.5046% | 3,601 |
| Credit loss provision to net charge-offs | 107.0866% | 4,147 |
| Earnings coverage of net charge-offs (x) | 3.8287% | 3,170 |
| Efficiency ratio | 66.3145% | 4,917 |
| Assets per employee ($millions) | 3.2373% | 5,571 |
| Cash dividends to net income (ytd only)* | 66.0336% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,890 |
| Loan loss allowance to noncurrent loans | 151.3374% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 4,767 |
| Noncurrent loans to loans | 1.0053% | 5,055 |
| Net loans and leases to total assets | 66.8485% | 3,258 |
| Net loans and leases to deposits | 75.0708% | 4,008 |
| Net loans and leases to core deposits | 76.2087% | 4,680 |
| Total domestic deposits to total assets | 89.0473% | 1,629 |
| Equity capital to assets | 9.8715% | 3,910 |
| Core capital (leverage) ratio | 9.8633% | 3,249 |
| Tier 1 risk-based capital ratio | 14.6172% | 3,467 |
| Total risk-based capital ratio | 15.8709% | 3,431 |
| Memoranda: | ||
| Average total assets | $141,283,600 | 4,035 |
| Average earning assets | $133,078,400 | 3,954 |
| Average equity | $14,057,200 | 4,128 |
| Average total loans | $100,678,600 | 3,774 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 3,679 |
| Cost of funding earning assets | 1.5648% | 2,583 |
| Net interest margin | 3.6660% | 4,564 |
| Noninterest income to average assets | 0.5352% | 3,906 |
| Noninterest expense to average assets | 2.6809% | 4,959 |
| Loan and lease loss provision to assets | 0.3556% | 3,771 |
| Net operating income to assets | 0.9352% | 2,476 |
| Return on assets (ROA) | 0.9352% | 2,607 |
| Pretax return on assets | 0.9504% | 3,367 |
| Return on Equity (ROE) | 9.3811% | 2,355 |
| Retained earnings to average equity (ytd only) | 0.8063% | 5,488 |
| Net charge-offs to loans | 0.5704% | 3,040 |
| Credit loss provision to net charge-offs | 86.4368% | 4,907 |
| Earnings coverage of net charge-offs (x) | 3.1747% | 3,555 |
| Efficiency ratio | 67.2438% | 4,613 |
| Assets per employee ($millions) | 3.1603% | 5,779 |
| Cash dividends to net income (ytd only)* | 91.4055% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 4,680 |
| Loan loss allowance to noncurrent loans | 69.7062% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4309% | 4,313 |
| Noncurrent loans to loans | 1.9488% | 3,749 |
| Net loans and leases to total assets | 70.2591% | 2,675 |
| Net loans and leases to deposits | 78.8508% | 3,662 |
| Net loans and leases to core deposits | 80.2865% | 4,476 |
| Total domestic deposits to total assets | 89.1038% | 1,341 |
| Equity capital to assets | 10.0545% | 4,087 |
| Core capital (leverage) ratio | 9.7319% | 3,575 |
| Tier 1 risk-based capital ratio | 13.8692% | 3,941 |
| Total risk-based capital ratio | 15.1207% | 3,908 |
| Memoranda: | ||
| Average total assets | $140,994,500 | 4,092 |
| Average earning assets | $132,747,000 | 4,012 |
| Average equity | $14,056,250 | 4,186 |
| Average total loans | $101,675,750 | 3,810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 3,647 |
| Cost of funding earning assets | 1.6166% | 2,565 |
| Net interest margin | 3.6441% | 4,610 |
| Noninterest income to average assets | 0.5136% | 4,004 |
| Noninterest expense to average assets | 2.6560% | 5,096 |
| Loan and lease loss provision to assets | 0.3414% | 3,691 |
| Net operating income to assets | 0.9190% | 2,478 |
| Return on assets (ROA) | 0.9190% | 2,580 |
| Pretax return on assets | 0.9346% | 3,363 |
| Return on Equity (ROE) | 9.2449% | 2,373 |
| Retained earnings to average equity (ytd only) | -0.4150% | 5,824 |
| Net charge-offs to loans | 0.0098% | 6,216 |
| Credit loss provision to net charge-offs | 4,800.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 179.4000% | 191 |
| Efficiency ratio | 67.5470% | 4,665 |
| Assets per employee ($millions) | 3.2626% | 5,525 |
| Cash dividends to net income (ytd only)* | 104.4892% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 3,257 |
| Loan loss allowance to noncurrent loans | 118.1047% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 5,082 |
| Noncurrent loans to loans | 1.3954% | 4,612 |
| Net loans and leases to total assets | 69.4231% | 3,035 |
| Net loans and leases to deposits | 77.6860% | 4,041 |
| Net loans and leases to core deposits | 78.8763% | 4,819 |
| Total domestic deposits to total assets | 89.3637% | 1,245 |
| Equity capital to assets | 9.8115% | 4,250 |
| Core capital (leverage) ratio | 9.7268% | 3,502 |
| Tier 1 risk-based capital ratio | 13.6935% | 3,945 |
| Total risk-based capital ratio | 14.9485% | 3,901 |
| Memoranda: | ||
| Average total assets | $140,587,670 | 4,125 |
| Average earning assets | $131,884,330 | 4,058 |
| Average equity | $13,975,330 | 4,205 |
| Average total loans | $101,802,670 | 3,836 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 3,761 |
| Cost of funding earning assets | 1.6683% | 2,551 |
| Net interest margin | 3.5863% | 4,784 |
| Noninterest income to average assets | 0.5061% | 4,000 |
| Noninterest expense to average assets | 2.7634% | 4,635 |
| Loan and lease loss provision to assets | 0.2876% | 3,724 |
| Net operating income to assets | 0.7850% | 3,033 |
| Return on assets (ROA) | 0.7850% | 3,152 |
| Pretax return on assets | 0.7994% | 3,865 |
| Return on Equity (ROE) | 7.8445% | 2,960 |
| Retained earnings to average equity (ytd only) | -0.3161% | 5,903 |
| Net charge-offs to loans | 0.0078% | 5,484 |
| Credit loss provision to net charge-offs | 5,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 181 |
| Efficiency ratio | 71.7700% | 3,969 |
| Assets per employee ($millions) | 3.1926% | 5,786 |
| Cash dividends to net income (ytd only)* | 104.0293% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 3,927 |
| Loan loss allowance to noncurrent loans | 81.0254% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 4,398 |
| Noncurrent loans to loans | 1.8477% | 3,991 |
| Net loans and leases to total assets | 71.8037% | 2,498 |
| Net loans and leases to deposits | 80.4439% | 3,565 |
| Net loans and leases to core deposits | 81.7432% | 4,531 |
| Total domestic deposits to total assets | 89.2594% | 1,392 |
| Equity capital to assets | 9.9327% | 3,945 |
| Core capital (leverage) ratio | 9.9539% | 3,223 |
| Tier 1 risk-based capital ratio | 13.6423% | 3,899 |
| Total risk-based capital ratio | 14.8959% | 3,856 |
| Memoranda: | ||
| Average total assets | $139,103,500 | 4,210 |
| Average earning assets | $129,716,500 | 4,154 |
| Average equity | $13,920,500 | 4,261 |
| Average total loans | $102,038,500 | 3,887 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 4,196 |
| Cost of funding earning assets | 1.9811% | 3,051 |
| Net interest margin | 3.5087% | 4,917 |
| Noninterest income to average assets | 0.5812% | 3,777 |
| Noninterest expense to average assets | 2.7192% | 5,299 |
| Loan and lease loss provision to assets | 0.1171% | 6,477 |
| Net operating income to assets | 1.0409% | 1,701 |
| Return on assets (ROA) | 1.0452% | 1,731 |
| Pretax return on assets | 1.0613% | 2,374 |
| Return on Equity (ROE) | 10.4212% | 1,574 |
| Retained earnings to average equity (ytd only) | 3.5467% | 2,694 |
| Net charge-offs to loans | -0.0799% | 7,875 |
| Credit loss provision to net charge-offs | -205.1282% | 7,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8440% | 4,656 |
| Assets per employee ($millions) | 3.2793% | 5,540 |
| Cash dividends to net income (ytd only)* | 65.9664% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 4,169 |
| Loan loss allowance to noncurrent loans | 138.7814% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 5,477 |
| Noncurrent loans to loans | 1.0169% | 5,282 |
| Net loans and leases to total assets | 72.7810% | 2,558 |
| Net loans and leases to deposits | 81.6855% | 3,666 |
| Net loans and leases to core deposits | 91.1399% | 4,998 |
| Total domestic deposits to total assets | 89.0990% | 1,436 |
| Equity capital to assets | 10.0834% | 3,642 |
| Core capital (leverage) ratio | 10.0009% | 3,091 |
| Tier 1 risk-based capital ratio | 13.8513% | 3,597 |
| Total risk-based capital ratio | 15.1039% | 3,543 |
| Memoranda: | ||
| Average total assets | $136,620,400 | 4,199 |
| Average earning assets | $128,966,200 | 4,109 |
| Average equity | $13,702,800 | 4,337 |
| Average total loans | $97,597,600 | 4,018 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 4,557 |
| Cost of funding earning assets | 2.0361% | 3,185 |
| Net interest margin | 3.4376% | 5,123 |
| Noninterest income to average assets | 0.5652% | 3,970 |
| Noninterest expense to average assets | 2.7049% | 5,302 |
| Loan and lease loss provision to assets | 0.0978% | 6,388 |
| Net operating income to assets | 0.9994% | 2,058 |
| Return on assets (ROA) | 0.9994% | 2,120 |
| Pretax return on assets | 1.0151% | 2,858 |
| Return on Equity (ROE) | 9.9779% | 1,919 |
| Retained earnings to average equity (ytd only) | 0.7810% | 4,850 |
| Net charge-offs to loans | -0.2471% | 7,987 |
| Credit loss provision to net charge-offs | -55.8659% | 7,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8504% | 4,448 |
| Assets per employee ($millions) | 3.0237% | 6,097 |
| Cash dividends to net income (ytd only)* | 92.1725% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,435 |
| Loan loss allowance to noncurrent loans | 89.1843% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 4,538 |
| Noncurrent loans to loans | 1.6824% | 4,125 |
| Net loans and leases to total assets | 71.2103% | 3,222 |
| Net loans and leases to deposits | 80.7085% | 4,249 |
| Net loans and leases to core deposits | 90.4756% | 5,390 |
| Total domestic deposits to total assets | 88.2314% | 1,543 |
| Equity capital to assets | 10.0797% | 3,981 |
| Core capital (leverage) ratio | 9.6711% | 3,689 |
| Tier 1 risk-based capital ratio | 13.8605% | 3,623 |
| Total risk-based capital ratio | 15.1136% | 3,567 |
| Memoranda: | ||
| Average total assets | $136,342,750 | 4,228 |
| Average earning assets | $129,001,250 | 4,125 |
| Average equity | $13,656,500 | 4,373 |
| Average total loans | $96,577,750 | 4,072 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4512% | 4,891 |
| Cost of funding earning assets | 2.1029% | 3,247 |
| Net interest margin | 3.3483% | 5,373 |
| Noninterest income to average assets | 0.5145% | 4,315 |
| Noninterest expense to average assets | 2.6562% | 5,536 |
| Loan and lease loss provision to assets | 0.1026% | 6,143 |
| Net operating income to assets | 0.9045% | 2,441 |
| Return on assets (ROA) | 0.9045% | 2,539 |
| Pretax return on assets | 0.9206% | 3,275 |
| Return on Equity (ROE) | 9.0489% | 2,342 |
| Retained earnings to average equity (ytd only) | -1.5399% | 5,629 |
| Net charge-offs to loans | -0.3042% | 8,069 |
| Credit loss provision to net charge-offs | -47.9452% | 6,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1912% | 4,370 |
| Assets per employee ($millions) | 3.0594% | 5,975 |
| Cash dividends to net income (ytd only)* | 117.0178% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,429 |
| Loan loss allowance to noncurrent loans | 71.8718% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 4,025 |
| Noncurrent loans to loans | 2.0264% | 3,477 |
| Net loans and leases to total assets | 69.4425% | 3,835 |
| Net loans and leases to deposits | 78.4220% | 4,799 |
| Net loans and leases to core deposits | 86.9745% | 5,811 |
| Total domestic deposits to total assets | 88.5498% | 1,507 |
| Equity capital to assets | 9.7752% | 4,250 |
| Core capital (leverage) ratio | 9.5606% | 3,798 |
| Tier 1 risk-based capital ratio | 13.7267% | 3,673 |
| Total risk-based capital ratio | 14.9801% | 3,605 |
| Memoranda: | ||
| Average total assets | $136,435,000 | 4,250 |
| Average earning assets | $128,962,000 | 4,159 |
| Average equity | $13,637,000 | 4,386 |
| Average total loans | $95,980,670 | 4,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 4,197 |
| Cost of funding earning assets | 2.2115% | 3,108 |
| Net interest margin | 3.4156% | 5,077 |
| Noninterest income to average assets | 0.5507% | 3,913 |
| Noninterest expense to average assets | 2.6595% | 5,185 |
| Loan and lease loss provision to assets | 0.0884% | 5,832 |
| Net operating income to assets | 1.0131% | 2,256 |
| Return on assets (ROA) | 1.0131% | 2,396 |
| Pretax return on assets | 1.0279% | 3,257 |
| Return on Equity (ROE) | 10.0244% | 2,308 |
| Retained earnings to average equity (ytd only) | 1.7776% | 4,861 |
| Net charge-offs to loans | -0.6369% | 8,127 |
| Credit loss provision to net charge-offs | -19.7368% | 6,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4368% | 4,487 |
| Assets per employee ($millions) | 2.9662% | 6,244 |
| Cash dividends to net income (ytd only)* | 82.2674% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 3,265 |
| Loan loss allowance to noncurrent loans | 167.3544% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 5,532 |
| Noncurrent loans to loans | 0.8625% | 5,294 |
| Net loans and leases to total assets | 69.0090% | 3,909 |
| Net loans and leases to deposits | 78.1706% | 4,898 |
| Net loans and leases to core deposits | 86.8232% | 5,843 |
| Total domestic deposits to total assets | 88.2801% | 1,587 |
| Equity capital to assets | 10.0430% | 3,956 |
| Core capital (leverage) ratio | 9.7707% | 3,667 |
| Tier 1 risk-based capital ratio | 13.9693% | 3,609 |
| Total risk-based capital ratio | 15.2214% | 3,528 |
| Memoranda: | ||
| Average total assets | $135,815,000 | 4,292 |
| Average earning assets | $128,237,000 | 4,187 |
| Average equity | $13,726,500 | 4,397 |
| Average total loans | $95,462,000 | 4,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2881% | 4,031 |
| Cost of funding earning assets | 2.7786% | 2,793 |
| Net interest margin | 3.5095% | 5,268 |
| Noninterest income to average assets | 0.5751% | 4,050 |
| Noninterest expense to average assets | 2.5340% | 5,878 |
| Loan and lease loss provision to assets | 0.0615% | 6,636 |
| Net operating income to assets | 1.2763% | 1,553 |
| Return on assets (ROA) | 1.2763% | 1,504 |
| Pretax return on assets | 1.2926% | 2,336 |
| Return on Equity (ROE) | 13.4008% | 1,240 |
| Retained earnings to average equity (ytd only) | 7.0739% | 1,128 |
| Net charge-offs to loans | -0.0163% | 7,903 |
| Credit loss provision to net charge-offs | -553.3333% | 7,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1735% | 5,283 |
| Assets per employee ($millions) | 2.8763% | 6,380 |
| Cash dividends to net income (ytd only)* | 47.2125% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 4,089 |
| Loan loss allowance to noncurrent loans | 202.1959% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 5,497 |
| Noncurrent loans to loans | 0.6206% | 5,508 |
| Net loans and leases to total assets | 69.6739% | 4,094 |
| Net loans and leases to deposits | 79.2685% | 5,160 |
| Net loans and leases to core deposits | 87.9803% | 5,977 |
| Total domestic deposits to total assets | 87.8960% | 1,514 |
| Equity capital to assets | 10.1711% | 3,840 |
| Core capital (leverage) ratio | 9.8097% | 3,635 |
| Tier 1 risk-based capital ratio | 13.9727% | 3,558 |
| Total risk-based capital ratio | 15.2225% | 3,480 |
| Memoranda: | ||
| Average total assets | $134,923,800 | 4,187 |
| Average earning assets | $127,367,600 | 4,102 |
| Average equity | $12,850,000 | 4,614 |
| Average total loans | $92,009,800 | 4,160 |