Home > First Bank Hampton > Performance and Condition Ratios
First Bank Hampton, 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 | 4.9589% | 2,156 |
| Cost of funding earning assets | 1.3149% | 2,475 |
| Net interest margin | 3.6440% | 1,873 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.2248% | 3,059 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 1.3865% | 1,238 |
| Return on assets (ROA) | 1.3933% | 1,201 |
| Pretax return on assets | 1.4622% | 1,505 |
| Return on Equity (ROE) | 14.1600% | 1,451 |
| Retained earnings to average equity (ytd only) | 5.1199% | 2,572 |
| Net charge-offs to loans | 0.2475% | 431 |
| Credit loss provision to net charge-offs | 157.7670% | 1,426 |
| Earnings coverage of net charge-offs (x) | 9.5194% | 2,290 |
| Efficiency ratio | 56.0560% | 3,491 |
| Assets per employee ($millions) | 7.9165% | 1,481 |
| Cash dividends to net income (ytd only)* | 63.8366% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 521 |
| Loan loss allowance to noncurrent loans | 1,220.1493% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 2,753 |
| Noncurrent loans to loans | 0.1495% | 2,765 |
| Net loans and leases to total assets | 76.6400% | 1,025 |
| Net loans and leases to deposits | 89.0062% | 1,336 |
| Net loans and leases to core deposits | 93.1212% | 1,832 |
| Total domestic deposits to total assets | 86.1100% | 1,974 |
| Equity capital to assets | 9.9791% | 2,025 |
| Core capital (leverage) ratio | 11.1644% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $224,869,600 | 2,816 |
| Average earning assets | $214,381,400 | 2,776 |
| Average equity | $22,129,200 | 2,684 |
| Average total loans | $166,462,000 | 2,547 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 2,167 |
| Cost of funding earning assets | 1.1650% | 2,544 |
| Net interest margin | 3.6831% | 1,813 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.1225% | 3,295 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.6425% | 875 |
| Return on assets (ROA) | 1.6498% | 855 |
| Pretax return on assets | 1.7309% | 1,113 |
| Return on Equity (ROE) | 16.8300% | 1,106 |
| Retained earnings to average equity (ytd only) | 7.8597% | 2,013 |
| Net charge-offs to loans | 0.0212% | 1,685 |
| Credit loss provision to net charge-offs | 1,153.8462% | 371 |
| Earnings coverage of net charge-offs (x) | 122.7308% | 830 |
| Efficiency ratio | 52.7399% | 3,697 |
| Assets per employee ($millions) | 7.9164% | 1,388 |
| Cash dividends to net income (ytd only)* | 53.2876% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 444 |
| Loan loss allowance to noncurrent loans | 535.8185% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,929 |
| Noncurrent loans to loans | 0.3605% | 1,937 |
| Net loans and leases to total assets | 73.1100% | 1,461 |
| Net loans and leases to deposits | 81.8083% | 1,915 |
| Net loans and leases to core deposits | 85.5712% | 2,211 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 9.5137% | 2,086 |
| Core capital (leverage) ratio | 11.4318% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $223,692,250 | 2,837 |
| Average earning assets | $213,548,750 | 2,792 |
| Average equity | $21,934,000 | 2,684 |
| Average total loans | $163,270,000 | 2,580 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 2,153 |
| Cost of funding earning assets | 0.9358% | 2,816 |
| Net interest margin | 3.7914% | 1,647 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.0926% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9848% | 478 |
| Return on assets (ROA) | 1.9925% | 470 |
| Pretax return on assets | 2.0899% | 637 |
| Return on Equity (ROE) | 20.1100% | 695 |
| Retained earnings to average equity (ytd only) | 11.4637% | 1,082 |
| Net charge-offs to loans | 0.0075% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 384.6667% | 375 |
| Efficiency ratio | 50.1296% | 3,918 |
| Assets per employee ($millions) | 7.4261% | 1,641 |
| Cash dividends to net income (ytd only)* | 43.0059% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 585 |
| Loan loss allowance to noncurrent loans | 2,241.4815% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,154 |
| Noncurrent loans to loans | 0.0811% | 3,108 |
| Net loans and leases to total assets | 73.3800% | 1,359 |
| Net loans and leases to deposits | 86.7787% | 1,439 |
| Net loans and leases to core deposits | 89.4212% | 1,835 |
| Total domestic deposits to total assets | 84.5600% | 2,671 |
| Equity capital to assets | 10.0641% | 1,816 |
| Core capital (leverage) ratio | 11.4235% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $221,731,333 | 2,859 |
| Average earning assets | $212,004,333 | 2,813 |
| Average equity | $21,965,000 | 2,699 |
| Average total loans | $160,642,333 | 2,593 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 2,217 |
| Cost of funding earning assets | 0.7415% | 2,924 |
| Net interest margin | 3.8004% | 1,687 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.0325% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1826% | 385 |
| Return on assets (ROA) | 2.1826% | 378 |
| Pretax return on assets | 2.2947% | 493 |
| Return on Equity (ROE) | 22.2100% | 565 |
| Retained earnings to average equity (ytd only) | 14.3902% | 889 |
| Net charge-offs to loans | 0.1167% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 27.5870% | 1,337 |
| Efficiency ratio | 46.9703% | 4,163 |
| Assets per employee ($millions) | 8.0181% | 1,331 |
| Cash dividends to net income (ytd only)* | 35.2113% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 544 |
| Loan loss allowance to noncurrent loans | 37,325.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,872 |
| Noncurrent loans to loans | 0.0051% | 3,812 |
| Net loans and leases to total assets | 68.9700% | 1,732 |
| Net loans and leases to deposits | 77.4062% | 2,002 |
| Net loans and leases to core deposits | 79.2507% | 2,305 |
| Total domestic deposits to total assets | 89.1000% | 1,509 |
| Equity capital to assets | 9.9587% | 1,837 |
| Core capital (leverage) ratio | 11.2918% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $221,205,500 | 2,904 |
| Average earning assets | $211,454,000 | 2,849 |
| Average equity | $21,737,000 | 2,743 |
| Average total loans | $157,711,000 | 2,644 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 2,096 |
| Cost of funding earning assets | 0.3138% | 2,766 |
| Net interest margin | 3.5463% | 1,791 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.0717% | 3,381 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5524% | 776 |
| Return on assets (ROA) | 1.5515% | 745 |
| Pretax return on assets | 1.6331% | 1,075 |
| Return on Equity (ROE) | 15.7800% | 1,089 |
| Retained earnings to average equity (ytd only) | 6.0417% | 2,629 |
| Net charge-offs to loans | 0.0437% | 1,248 |
| Credit loss provision to net charge-offs | 238.4615% | 1,020 |
| Earnings coverage of net charge-offs (x) | 57.5231% | 1,284 |
| Efficiency ratio | 54.8594% | 3,703 |
| Assets per employee ($millions) | 7.2635% | 1,777 |
| Cash dividends to net income (ytd only)* | 61.7103% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 500 |
| Loan loss allowance to noncurrent loans | 4,593.9394% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,510 |
| Noncurrent loans to loans | 0.0419% | 3,466 |
| Net loans and leases to total assets | 70.9300% | 1,532 |
| Net loans and leases to deposits | 81.0259% | 1,692 |
| Net loans and leases to core deposits | 82.6936% | 1,954 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 9.6905% | 1,892 |
| Core capital (leverage) ratio | 11.0816% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $219,338,000 | 2,906 |
| Average earning assets | $203,618,400 | 2,907 |
| Average equity | $21,566,600 | 2,807 |
| Average total loans | $148,603,000 | 2,646 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 2,127 |
| Cost of funding earning assets | 0.2513% | 2,690 |
| Net interest margin | 3.4190% | 1,919 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.9608% | 3,588 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5905% | 670 |
| Return on assets (ROA) | 1.5888% | 654 |
| Pretax return on assets | 1.6720% | 958 |
| Return on Equity (ROE) | 16.1000% | 955 |
| Retained earnings to average equity (ytd only) | 8.2596% | 1,907 |
| Net charge-offs to loans | -0.0264% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.6355% | 3,847 |
| Assets per employee ($millions) | 7.3105% | 1,738 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 537 |
| Loan loss allowance to noncurrent loans | 6,831.8182% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,742 |
| Noncurrent loans to loans | 0.0287% | 3,694 |
| Net loans and leases to total assets | 68.6400% | 1,599 |
| Net loans and leases to deposits | 76.6081% | 1,825 |
| Net loans and leases to core deposits | 78.6887% | 1,995 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 9.3637% | 1,971 |
| Core capital (leverage) ratio | 11.3029% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $219,696,500 | 2,924 |
| Average earning assets | $202,667,750 | 2,932 |
| Average equity | $21,679,250 | 2,846 |
| Average total loans | $146,356,750 | 2,668 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 2,217 |
| Cost of funding earning assets | 0.2334% | 2,462 |
| Net interest margin | 3.2393% | 2,079 |
| Noninterest income to average assets | 0.5605% | 1,902 |
| Noninterest expense to average assets | 1.9134% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5206% | 673 |
| Return on assets (ROA) | 1.5267% | 639 |
| Pretax return on assets | 1.6077% | 918 |
| Return on Equity (ROE) | 15.2128% | 853 |
| Retained earnings to average equity (ytd only) | 7.5067% | 1,811 |
| Net charge-offs to loans | -0.0375% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4396% | 3,924 |
| Assets per employee ($millions) | 7.3746% | 1,684 |
| Cash dividends to net income (ytd only)* | 50.6555% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 570 |
| Loan loss allowance to noncurrent loans | 6,597.7778% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,803 |
| Noncurrent loans to loans | 0.0301% | 3,729 |
| Net loans and leases to total assets | 66.2160% | 1,665 |
| Net loans and leases to deposits | 74.3452% | 1,832 |
| Net loans and leases to core deposits | 76.1781% | 2,002 |
| Total domestic deposits to total assets | 89.0656% | 2,155 |
| Equity capital to assets | 9.6665% | 1,901 |
| Core capital (leverage) ratio | 10.5018% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,823,333 | 2,947 |
| Average earning assets | $200,475,333 | 2,986 |
| Average equity | $22,060,333 | 2,884 |
| Average total loans | $143,960,000 | 2,710 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 2,348 |
| Cost of funding earning assets | 0.2425% | 2,239 |
| Net interest margin | 3.0701% | 2,266 |
| Noninterest income to average assets | 0.3505% | 2,995 |
| Noninterest expense to average assets | 1.8803% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1820% | 1,292 |
| Return on assets (ROA) | 1.1994% | 1,240 |
| Pretax return on assets | 1.2614% | 1,615 |
| Return on Equity (ROE) | 11.7335% | 1,396 |
| Retained earnings to average equity (ytd only) | 4.1433% | 2,885 |
| Net charge-offs to loans | -0.0085% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1987% | 3,465 |
| Assets per employee ($millions) | 7.6408% | 1,594 |
| Cash dividends to net income (ytd only)* | 64.6880% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0480% | 572 |
| Loan loss allowance to noncurrent loans | 11,330.7692% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,955 |
| Noncurrent loans to loans | 0.0181% | 3,866 |
| Net loans and leases to total assets | 61.4681% | 1,919 |
| Net loans and leases to deposits | 68.3176% | 2,118 |
| Net loans and leases to core deposits | 69.3715% | 2,346 |
| Total domestic deposits to total assets | 89.9740% | 1,576 |
| Equity capital to assets | 9.4833% | 2,299 |
| Core capital (leverage) ratio | 10.4461% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,116,000 | 2,971 |
| Average earning assets | $197,910,500 | 3,018 |
| Average equity | $22,397,500 | 2,950 |
| Average total loans | $141,208,000 | 2,740 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 1,674 |
| Cost of funding earning assets | 0.3462% | 1,969 |
| Net interest margin | 3.5315% | 1,647 |
| Noninterest income to average assets | 0.4122% | 2,988 |
| Noninterest expense to average assets | 2.1556% | 3,217 |
| Loan and lease loss provision to assets | 0.0610% | 1,842 |
| Net operating income to assets | 1.3864% | 1,324 |
| Return on assets (ROA) | 1.3961% | 1,344 |
| Pretax return on assets | 1.4698% | 1,816 |
| Return on Equity (ROE) | 12.4310% | 1,679 |
| Retained earnings to average equity (ytd only) | 3.3097% | 3,492 |
| Net charge-offs to loans | 0.0566% | 1,228 |
| Credit loss provision to net charge-offs | 164.4737% | 1,436 |
| Earnings coverage of net charge-offs (x) | 41.0132% | 1,424 |
| Efficiency ratio | 58.6385% | 3,339 |
| Assets per employee ($millions) | 6.9670% | 1,949 |
| Cash dividends to net income (ytd only)* | 73.3753% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 499 |
| Loan loss allowance to noncurrent loans | 1,211.1111% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 3,112 |
| Noncurrent loans to loans | 0.1754% | 3,073 |
| Net loans and leases to total assets | 64.8910% | 1,595 |
| Net loans and leases to deposits | 73.5155% | 1,769 |
| Net loans and leases to core deposits | 74.8937% | 2,006 |
| Total domestic deposits to total assets | 88.2684% | 1,892 |
| Equity capital to assets | 11.0316% | 1,770 |
| Core capital (leverage) ratio | 10.7045% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,000,200 | 3,027 |
| Average earning assets | $189,468,400 | 3,035 |
| Average equity | $23,023,000 | 2,985 |
| Average total loans | $134,202,800 | 2,795 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 1,633 |
| Cost of funding earning assets | 0.3646% | 1,988 |
| Net interest margin | 3.5915% | 1,618 |
| Noninterest income to average assets | 0.3922% | 3,138 |
| Noninterest expense to average assets | 2.0392% | 3,557 |
| Loan and lease loss provision to assets | 0.0328% | 2,340 |
| Net operating income to assets | 1.5790% | 1,081 |
| Return on assets (ROA) | 1.5908% | 1,100 |
| Pretax return on assets | 1.6745% | 1,478 |
| Return on Equity (ROE) | 14.1009% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.7144% | 2,535 |
| Net charge-offs to loans | 0.0411% | 1,273 |
| Credit loss provision to net charge-offs | 121.9512% | 1,455 |
| Earnings coverage of net charge-offs (x) | 63.2439% | 1,112 |
| Efficiency ratio | 54.6123% | 3,716 |
| Assets per employee ($millions) | 7.0530% | 1,828 |
| Cash dividends to net income (ytd only)* | 52.3829% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 511 |
| Loan loss allowance to noncurrent loans | 7,443.5897% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,073 |
| Noncurrent loans to loans | 0.0286% | 3,993 |
| Net loans and leases to total assets | 65.2232% | 1,631 |
| Net loans and leases to deposits | 74.2438% | 1,831 |
| Net loans and leases to core deposits | 75.5168% | 2,100 |
| Total domestic deposits to total assets | 87.8501% | 1,937 |
| Equity capital to assets | 11.5354% | 1,645 |
| Core capital (leverage) ratio | 11.3212% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,998,000 | 3,072 |
| Average earning assets | $189,815,250 | 3,065 |
| Average equity | $23,014,500 | 3,018 |
| Average total loans | $133,110,750 | 2,848 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 2,322 |
| Cost of funding earning assets | 0.3857% | 2,008 |
| Net interest margin | 3.3170% | 2,393 |
| Noninterest income to average assets | 0.3866% | 3,177 |
| Noninterest expense to average assets | 1.9743% | 3,778 |
| Loan and lease loss provision to assets | 0.0491% | 2,049 |
| Net operating income to assets | 1.4118% | 1,533 |
| Return on assets (ROA) | 1.4268% | 1,558 |
| Pretax return on assets | 1.5013% | 2,012 |
| Return on Equity (ROE) | 12.7425% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.2933% | 3,075 |
| Net charge-offs to loans | 0.0788% | 881 |
| Credit loss provision to net charge-offs | 96.1538% | 1,409 |
| Earnings coverage of net charge-offs (x) | 30.0769% | 1,306 |
| Efficiency ratio | 56.2640% | 3,512 |
| Assets per employee ($millions) | 7.1301% | 1,702 |
| Cash dividends to net income (ytd only)* | 58.4594% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1410% | 474 |
| Loan loss allowance to noncurrent loans | 1,194.6281% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 3,459 |
| Noncurrent loans to loans | 0.1792% | 3,322 |
| Net loans and leases to total assets | 63.9044% | 1,960 |
| Net loans and leases to deposits | 72.5760% | 2,155 |
| Net loans and leases to core deposits | 73.8031% | 2,429 |
| Total domestic deposits to total assets | 88.0516% | 1,792 |
| Equity capital to assets | 11.1518% | 1,872 |
| Core capital (leverage) ratio | 10.8383% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,818,667 | 3,066 |
| Average earning assets | $191,862,333 | 3,051 |
| Average equity | $22,821,333 | 3,027 |
| Average total loans | $132,045,000 | 2,875 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5416% | 2,805 |
| Cost of funding earning assets | 0.4008% | 2,087 |
| Net interest margin | 3.1408% | 2,870 |
| Noninterest income to average assets | 0.3716% | 3,239 |
| Noninterest expense to average assets | 1.8741% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4431% | 1,459 |
| Return on assets (ROA) | 1.4431% | 1,528 |
| Pretax return on assets | 1.5182% | 1,947 |
| Return on Equity (ROE) | 12.8620% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.3739% | 3,102 |
| Net charge-offs to loans | -0.0398% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2448% | 3,642 |
| Assets per employee ($millions) | 7.6061% | 1,393 |
| Cash dividends to net income (ytd only)* | 58.2192% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 430 |
| Loan loss allowance to noncurrent loans | 6,606.8182% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,219 |
| Noncurrent loans to loans | 0.0331% | 4,116 |
| Net loans and leases to total assets | 63.3013% | 2,132 |
| Net loans and leases to deposits | 71.5813% | 2,352 |
| Net loans and leases to core deposits | 72.4893% | 2,658 |
| Total domestic deposits to total assets | 88.4327% | 1,643 |
| Equity capital to assets | 11.0686% | 1,812 |
| Core capital (leverage) ratio | 11.3070% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,341,500 | 3,071 |
| Average earning assets | $194,599,000 | 3,019 |
| Average equity | $22,702,500 | 3,023 |
| Average total loans | $130,553,500 | 2,893 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 1,771 |
| Cost of funding earning assets | 0.6614% | 1,923 |
| Net interest margin | 3.6696% | 1,911 |
| Noninterest income to average assets | 0.3877% | 3,164 |
| Noninterest expense to average assets | 1.9855% | 4,168 |
| Loan and lease loss provision to assets | 0.2641% | 1,463 |
| Net operating income to assets | 1.5607% | 691 |
| Return on assets (ROA) | 1.5607% | 758 |
| Pretax return on assets | 1.6429% | 974 |
| Return on Equity (ROE) | 12.8918% | 1,070 |
| Retained earnings to average equity (ytd only) | 3.4456% | 3,105 |
| Net charge-offs to loans | 0.0663% | 1,833 |
| Credit loss provision to net charge-offs | 557.4713% | 1,167 |
| Earnings coverage of net charge-offs (x) | 40.2529% | 1,389 |
| Efficiency ratio | 51.0073% | 4,469 |
| Assets per employee ($millions) | 7.9728% | 1,050 |
| Cash dividends to net income (ytd only)* | 73.2729% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2574% | 369 |
| Loan loss allowance to noncurrent loans | 4,593.6508% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,203 |
| Noncurrent loans to loans | 0.0491% | 4,097 |
| Net loans and leases to total assets | 62.8681% | 2,499 |
| Net loans and leases to deposits | 72.2066% | 2,663 |
| Net loans and leases to core deposits | 74.0359% | 2,913 |
| Total domestic deposits to total assets | 87.0670% | 1,909 |
| Equity capital to assets | 11.3757% | 1,972 |
| Core capital (leverage) ratio | 11.3679% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,635,000 | 3,076 |
| Average earning assets | $175,386,800 | 3,029 |
| Average equity | $22,231,200 | 2,992 |
| Average total loans | $131,187,200 | 2,853 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 1,765 |
| Cost of funding earning assets | 0.7076% | 1,984 |
| Net interest margin | 3.7223% | 1,871 |
| Noninterest income to average assets | 0.3650% | 3,272 |
| Noninterest expense to average assets | 1.9594% | 4,234 |
| Loan and lease loss provision to assets | 0.3227% | 1,219 |
| Net operating income to assets | 1.5528% | 806 |
| Return on assets (ROA) | 1.5528% | 882 |
| Pretax return on assets | 1.6344% | 1,093 |
| Return on Equity (ROE) | 12.6154% | 1,217 |
| Retained earnings to average equity (ytd only) | 4.9304% | 2,587 |
| Net charge-offs to loans | 0.0495% | 1,904 |
| Credit loss provision to net charge-offs | 887.7551% | 908 |
| Earnings coverage of net charge-offs (x) | 53.8367% | 1,152 |
| Efficiency ratio | 50.0284% | 4,490 |
| Assets per employee ($millions) | 7.3694% | 1,290 |
| Cash dividends to net income (ytd only)* | 60.9173% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 395 |
| Loan loss allowance to noncurrent loans | 1,735.5422% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 3,976 |
| Noncurrent loans to loans | 0.1228% | 3,893 |
| Net loans and leases to total assets | 71.8114% | 1,693 |
| Net loans and leases to deposits | 83.1261% | 2,003 |
| Net loans and leases to core deposits | 90.0785% | 1,959 |
| Total domestic deposits to total assets | 86.3885% | 1,900 |
| Equity capital to assets | 12.3463% | 1,490 |
| Core capital (leverage) ratio | 11.9325% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,714,000 | 3,092 |
| Average earning assets | $171,464,750 | 3,042 |
| Average equity | $22,120,500 | 2,991 |
| Average total loans | $131,933,500 | 2,849 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 2,027 |
| Cost of funding earning assets | 0.7721% | 1,984 |
| Net interest margin | 3.6900% | 2,201 |
| Noninterest income to average assets | 0.3535% | 3,357 |
| Noninterest expense to average assets | 1.9214% | 4,379 |
| Loan and lease loss provision to assets | 0.4152% | 959 |
| Net operating income to assets | 1.4635% | 987 |
| Return on assets (ROA) | 1.4635% | 1,079 |
| Pretax return on assets | 1.5409% | 1,365 |
| Return on Equity (ROE) | 11.9022% | 1,351 |
| Retained earnings to average equity (ytd only) | 4.1438% | 2,842 |
| Net charge-offs to loans | 0.0657% | 1,587 |
| Credit loss provision to net charge-offs | 860.4651% | 871 |
| Earnings coverage of net charge-offs (x) | 40.5349% | 1,237 |
| Efficiency ratio | 49.5514% | 4,525 |
| Assets per employee ($millions) | 7.8633% | 1,022 |
| Cash dividends to net income (ytd only)* | 65.1840% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 384 |
| Loan loss allowance to noncurrent loans | 2,498.2301% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,229 |
| Noncurrent loans to loans | 0.0836% | 4,125 |
| Net loans and leases to total assets | 70.1364% | 2,009 |
| Net loans and leases to deposits | 81.6528% | 2,241 |
| Net loans and leases to core deposits | 92.4612% | 1,866 |
| Total domestic deposits to total assets | 85.8959% | 2,064 |
| Equity capital to assets | 11.8484% | 1,757 |
| Core capital (leverage) ratio | 11.4747% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,207,333 | 3,088 |
| Average earning assets | $170,189,000 | 3,042 |
| Average equity | $21,912,000 | 2,997 |
| Average total loans | $130,850,667 | 2,859 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 1,987 |
| Cost of funding earning assets | 0.8567% | 2,083 |
| Net interest margin | 3.7471% | 2,158 |
| Noninterest income to average assets | 0.3631% | 3,341 |
| Noninterest expense to average assets | 2.0630% | 4,290 |
| Loan and lease loss provision to assets | 0.1619% | 1,793 |
| Net operating income to assets | 1.6236% | 591 |
| Return on assets (ROA) | 1.6236% | 652 |
| Pretax return on assets | 1.7091% | 846 |
| Return on Equity (ROE) | 12.9473% | 895 |
| Retained earnings to average equity (ytd only) | 5.1088% | 2,225 |
| Net charge-offs to loans | -0.0124% | 4,157 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4397% | 4,522 |
| Assets per employee ($millions) | 7.8219% | 794 |
| Cash dividends to net income (ytd only)* | 60.5413% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 523 |
| Loan loss allowance to noncurrent loans | 1,647.4359% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 4,172 |
| Noncurrent loans to loans | 0.1198% | 4,043 |
| Net loans and leases to total assets | 70.9706% | 2,096 |
| Net loans and leases to deposits | 90.2389% | 1,478 |
| Net loans and leases to core deposits | 93.3224% | 2,033 |
| Total domestic deposits to total assets | 78.6475% | 4,111 |
| Equity capital to assets | 12.1037% | 1,992 |
| Core capital (leverage) ratio | 12.3996% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,952,000 | 3,106 |
| Average earning assets | $164,822,000 | 3,062 |
| Average equity | $21,688,000 | 3,015 |
| Average total loans | $128,684,500 | 2,853 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 1,770 |
| Cost of funding earning assets | 0.8765% | 2,301 |
| Net interest margin | 4.0164% | 1,803 |
| Noninterest income to average assets | 0.3974% | 3,307 |
| Noninterest expense to average assets | 2.1166% | 4,327 |
| Loan and lease loss provision to assets | 0.4609% | 288 |
| Net operating income to assets | 1.5486% | 945 |
| Return on assets (ROA) | 1.5433% | 1,014 |
| Pretax return on assets | 1.6245% | 1,416 |
| Return on Equity (ROE) | 12.1684% | 1,450 |
| Retained earnings to average equity (ytd only) | 4.9482% | 2,445 |
| Net charge-offs to loans | 0.6209% | 296 |
| Credit loss provision to net charge-offs | 98.4355% | 2,527 |
| Earnings coverage of net charge-offs (x) | 4.4654% | 3,212 |
| Efficiency ratio | 50.3047% | 4,715 |
| Assets per employee ($millions) | 7.2174% | 969 |
| Cash dividends to net income (ytd only)* | 59.3354% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 482 |
| Loan loss allowance to noncurrent loans | 5,310.6383% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,506 |
| Noncurrent loans to loans | 0.0370% | 4,413 |
| Net loans and leases to total assets | 75.0747% | 1,575 |
| Net loans and leases to deposits | 87.1442% | 1,951 |
| Net loans and leases to core deposits | 91.0143% | 2,322 |
| Total domestic deposits to total assets | 86.1500% | 2,005 |
| Equity capital to assets | 13.0127% | 1,511 |
| Core capital (leverage) ratio | 13.0358% | 1,222 |
| Tier 1 risk-based capital ratio | 15.9846% | 2,413 |
| Total risk-based capital ratio | 17.2419% | 2,356 |
| Memoranda: | ||
| Average total assets | $163,799,800 | 3,169 |
| Average earning assets | $155,386,800 | 3,129 |
| Average equity | $20,775,200 | 3,054 |
| Average total loans | $123,524,200 | 2,903 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 1,869 |
| Cost of funding earning assets | 0.8701% | 2,369 |
| Net interest margin | 4.0113% | 1,897 |
| Noninterest income to average assets | 0.3790% | 3,441 |
| Noninterest expense to average assets | 2.0573% | 4,436 |
| Loan and lease loss provision to assets | 0.6166% | 181 |
| Net operating income to assets | 1.4362% | 1,368 |
| Return on assets (ROA) | 1.4293% | 1,442 |
| Pretax return on assets | 1.5044% | 1,940 |
| Return on Equity (ROE) | 11.3438% | 1,870 |
| Retained earnings to average equity (ytd only) | 4.2134% | 3,293 |
| Net charge-offs to loans | 0.8437% | 184 |
| Credit loss provision to net charge-offs | 97.2938% | 2,317 |
| Earnings coverage of net charge-offs (x) | 3.3583% | 3,108 |
| Efficiency ratio | 49.1512% | 4,789 |
| Assets per employee ($millions) | 7.5995% | 811 |
| Cash dividends to net income (ytd only)* | 62.8570% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 506 |
| Loan loss allowance to noncurrent loans | 470.1323% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 3,279 |
| Noncurrent loans to loans | 0.4147% | 3,059 |
| Net loans and leases to total assets | 74.8040% | 1,681 |
| Net loans and leases to deposits | 85.9877% | 2,188 |
| Net loans and leases to core deposits | 89.7301% | 2,566 |
| Total domestic deposits to total assets | 86.9938% | 1,522 |
| Equity capital to assets | 12.6767% | 1,792 |
| Core capital (leverage) ratio | 12.6290% | 1,516 |
| Tier 1 risk-based capital ratio | 15.6415% | 2,584 |
| Total risk-based capital ratio | 16.8986% | 2,520 |
| Memoranda: | ||
| Average total assets | $163,249,750 | 3,209 |
| Average earning assets | $154,925,250 | 3,173 |
| Average equity | $20,568,750 | 3,103 |
| Average total loans | $122,625,250 | 2,945 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 1,910 |
| Cost of funding earning assets | 0.8495% | 2,400 |
| Net interest margin | 4.0002% | 1,919 |
| Noninterest income to average assets | 0.3779% | 3,417 |
| Noninterest expense to average assets | 2.0675% | 4,471 |
| Loan and lease loss provision to assets | 0.7719% | 136 |
| Net operating income to assets | 1.2703% | 1,878 |
| Return on assets (ROA) | 1.2598% | 1,983 |
| Pretax return on assets | 1.3252% | 2,459 |
| Return on Equity (ROE) | 10.0195% | 2,376 |
| Retained earnings to average equity (ytd only) | 3.1434% | 3,650 |
| Net charge-offs to loans | 1.0745% | 126 |
| Credit loss provision to net charge-offs | 96.1538% | 2,060 |
| Earnings coverage of net charge-offs (x) | 2.6262% | 2,920 |
| Efficiency ratio | 49.5120% | 4,806 |
| Assets per employee ($millions) | 6.8386% | 1,072 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9707% | 500 |
| Loan loss allowance to noncurrent loans | 370.5970% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 2,169 |
| Noncurrent loans to loans | 0.5318% | 2,681 |
| Net loans and leases to total assets | 75.2568% | 1,675 |
| Net loans and leases to deposits | 87.6976% | 2,040 |
| Net loans and leases to core deposits | 91.6917% | 2,441 |
| Total domestic deposits to total assets | 85.8139% | 2,130 |
| Equity capital to assets | 12.6787% | 1,757 |
| Core capital (leverage) ratio | 12.5752% | 1,496 |
| Tier 1 risk-based capital ratio | 15.5791% | 2,594 |
| Total risk-based capital ratio | 16.8368% | 2,519 |
| Memoranda: | ||
| Average total assets | $161,936,670 | 3,241 |
| Average earning assets | $153,741,330 | 3,193 |
| Average equity | $20,360,330 | 3,120 |
| Average total loans | $120,983,330 | 2,977 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 2,235 |
| Cost of funding earning assets | 0.8058% | 2,504 |
| Net interest margin | 3.8927% | 2,210 |
| Noninterest income to average assets | 0.3507% | 3,511 |
| Noninterest expense to average assets | 2.0517% | 4,551 |
| Loan and lease loss provision to assets | 0.5596% | 185 |
| Net operating income to assets | 1.3572% | 1,501 |
| Return on assets (ROA) | 1.3454% | 1,579 |
| Pretax return on assets | 1.4151% | 2,034 |
| Return on Equity (ROE) | 10.7469% | 2,053 |
| Retained earnings to average equity (ytd only) | 4.7874% | 3,005 |
| Net charge-offs to loans | 0.0101% | 2,326 |
| Credit loss provision to net charge-offs | 7,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 266.3333% | 299 |
| Efficiency ratio | 50.8005% | 4,773 |
| Assets per employee ($millions) | 7.0940% | 962 |
| Cash dividends to net income (ytd only)* | 55.4529% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 333 |
| Loan loss allowance to noncurrent loans | 156.2679% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 1,011 |
| Noncurrent loans to loans | 1.4386% | 1,125 |
| Net loans and leases to total assets | 72.7528% | 2,034 |
| Net loans and leases to deposits | 88.3952% | 1,823 |
| Net loans and leases to core deposits | 90.3277% | 2,464 |
| Total domestic deposits to total assets | 82.3041% | 3,645 |
| Equity capital to assets | 12.5421% | 1,711 |
| Core capital (leverage) ratio | 13.0699% | 1,236 |
| Tier 1 risk-based capital ratio | 14.8094% | 2,957 |
| Total risk-based capital ratio | 16.0679% | 2,889 |
| Memoranda: | ||
| Average total assets | $160,842,000 | 3,289 |
| Average earning assets | $152,387,500 | 3,244 |
| Average equity | $20,136,000 | 3,149 |
| Average total loans | $118,475,500 | 3,035 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 1,995 |
| Cost of funding earning assets | 0.5966% | 2,749 |
| Net interest margin | 4.0509% | 1,822 |
| Noninterest income to average assets | 0.4112% | 3,371 |
| Noninterest expense to average assets | 2.1296% | 4,495 |
| Loan and lease loss provision to assets | 0.2263% | 788 |
| Net operating income to assets | 1.8269% | 521 |
| Return on assets (ROA) | 1.8128% | 533 |
| Pretax return on assets | 1.9078% | 705 |
| Return on Equity (ROE) | 14.6125% | 919 |
| Retained earnings to average equity (ytd only) | 6.7956% | 1,757 |
| Net charge-offs to loans | -0.0082% | 4,443 |
| Credit loss provision to net charge-offs | -3,888.8889% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7733% | 4,956 |
| Assets per employee ($millions) | 6.8923% | 1,022 |
| Cash dividends to net income (ytd only)* | 53.4950% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1703% | 352 |
| Loan loss allowance to noncurrent loans | 3,686.7647% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,634 |
| Noncurrent loans to loans | 0.0589% | 4,488 |
| Net loans and leases to total assets | 71.2892% | 2,382 |
| Net loans and leases to deposits | 84.2841% | 2,484 |
| Net loans and leases to core deposits | 85.4284% | 2,963 |
| Total domestic deposits to total assets | 84.5820% | 2,806 |
| Equity capital to assets | 12.4954% | 1,577 |
| Core capital (leverage) ratio | 13.1391% | 1,194 |
| Tier 1 risk-based capital ratio | 15.2851% | 2,706 |
| Total risk-based capital ratio | 16.5423% | 2,631 |
| Memoranda: | ||
| Average total assets | $154,677,400 | 3,335 |
| Average earning assets | $147,671,000 | 3,274 |
| Average equity | $19,189,000 | 3,163 |
| Average total loans | $109,432,200 | 3,138 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 1,922 |
| Cost of funding earning assets | 0.5684% | 2,718 |
| Net interest margin | 4.0521% | 1,784 |
| Noninterest income to average assets | 0.3868% | 3,553 |
| Noninterest expense to average assets | 2.0305% | 4,684 |
| Loan and lease loss provision to assets | 0.2255% | 726 |
| Net operating income to assets | 1.9067% | 476 |
| Return on assets (ROA) | 1.8944% | 489 |
| Pretax return on assets | 1.9950% | 627 |
| Return on Equity (ROE) | 15.2984% | 825 |
| Retained earnings to average equity (ytd only) | 7.5932% | 1,853 |
| Net charge-offs to loans | -0.1137% | 5,199 |
| Credit loss provision to net charge-offs | -282.6087% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6200% | 5,068 |
| Assets per employee ($millions) | 6.6844% | 1,095 |
| Cash dividends to net income (ytd only)* | 50.3663% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2423% | 330 |
| Loan loss allowance to noncurrent loans | 1,865.6716% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 4,537 |
| Noncurrent loans to loans | 0.1202% | 4,352 |
| Net loans and leases to total assets | 70.8933% | 2,516 |
| Net loans and leases to deposits | 84.7751% | 2,506 |
| Net loans and leases to core deposits | 85.7044% | 3,020 |
| Total domestic deposits to total assets | 83.6251% | 3,071 |
| Equity capital to assets | 12.5510% | 1,551 |
| Core capital (leverage) ratio | 13.3242% | 1,167 |
| Tier 1 risk-based capital ratio | 17.0832% | 2,075 |
| Total risk-based capital ratio | 18.3438% | 2,009 |
| Memoranda: | ||
| Average total assets | $153,716,250 | 3,372 |
| Average earning assets | $147,081,500 | 3,315 |
| Average equity | $19,034,250 | 3,197 |
| Average total loans | $107,911,250 | 3,195 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 2,013 |
| Cost of funding earning assets | 0.5310% | 2,758 |
| Net interest margin | 3.9936% | 1,883 |
| Noninterest income to average assets | 0.3630% | 3,729 |
| Noninterest expense to average assets | 2.0129% | 4,776 |
| Loan and lease loss provision to assets | 0.1952% | 881 |
| Net operating income to assets | 1.8904% | 477 |
| Return on assets (ROA) | 1.8867% | 474 |
| Pretax return on assets | 1.9869% | 618 |
| Return on Equity (ROE) | 15.3059% | 793 |
| Retained earnings to average equity (ytd only) | 7.9168% | 1,661 |
| Net charge-offs to loans | -0.1556% | 5,281 |
| Credit loss provision to net charge-offs | -180.7229% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9393% | 5,121 |
| Assets per employee ($millions) | 6.6332% | 1,116 |
| Cash dividends to net income (ytd only)* | 48.2759% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 388 |
| Loan loss allowance to noncurrent loans | 1,259.7884% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 4,381 |
| Noncurrent loans to loans | 0.1730% | 4,132 |
| Net loans and leases to total assets | 70.0648% | 2,570 |
| Net loans and leases to deposits | 84.6041% | 2,463 |
| Net loans and leases to core deposits | 85.5459% | 2,962 |
| Total domestic deposits to total assets | 82.8150% | 3,465 |
| Equity capital to assets | 12.5548% | 1,503 |
| Core capital (leverage) ratio | 12.8662% | 1,293 |
| Tier 1 risk-based capital ratio | 17.2533% | 2,020 |
| Total risk-based capital ratio | 18.5131% | 1,966 |
| Memoranda: | ||
| Average total assets | $153,708,000 | 3,392 |
| Average earning assets | $147,638,000 | 3,323 |
| Average equity | $18,947,000 | 3,227 |
| Average total loans | $106,717,670 | 3,227 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,078 |
| Cost of funding earning assets | 0.4969% | 2,822 |
| Net interest margin | 3.9372% | 1,909 |
| Noninterest income to average assets | 0.3448% | 3,843 |
| Noninterest expense to average assets | 2.0612% | 4,738 |
| Loan and lease loss provision to assets | 0.1296% | 1,456 |
| Net operating income to assets | 1.8356% | 523 |
| Return on assets (ROA) | 1.8356% | 525 |
| Pretax return on assets | 1.9341% | 670 |
| Return on Equity (ROE) | 15.0291% | 800 |
| Retained earnings to average equity (ytd only) | 8.6608% | 1,597 |
| Net charge-offs to loans | 0.0759% | 1,365 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 1,070 |
| Efficiency ratio | 49.9686% | 5,087 |
| Assets per employee ($millions) | 7.0899% | 928 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 489 |
| Loan loss allowance to noncurrent loans | 231.4559% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 2,502 |
| Noncurrent loans to loans | 0.8843% | 2,062 |
| Net loans and leases to total assets | 66.8229% | 2,923 |
| Net loans and leases to deposits | 76.3582% | 3,171 |
| Net loans and leases to core deposits | 77.4505% | 3,539 |
| Total domestic deposits to total assets | 87.5123% | 1,891 |
| Equity capital to assets | 12.0998% | 1,715 |
| Core capital (leverage) ratio | 12.5719% | 1,361 |
| Tier 1 risk-based capital ratio | 16.9617% | 2,127 |
| Total risk-based capital ratio | 18.2194% | 2,077 |
| Memoranda: | ||
| Average total assets | $154,280,500 | 3,421 |
| Average earning assets | $148,126,000 | 3,361 |
| Average equity | $18,843,500 | 3,262 |
| Average total loans | $105,439,500 | 3,271 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,316 |
| Cost of funding earning assets | 0.4700% | 2,605 |
| Net interest margin | 3.8335% | 2,306 |
| Noninterest income to average assets | 0.3719% | 3,808 |
| Noninterest expense to average assets | 2.1181% | 4,727 |
| Loan and lease loss provision to assets | 0.1425% | 1,592 |
| Net operating income to assets | 1.7045% | 521 |
| Return on assets (ROA) | 1.7057% | 534 |
| Pretax return on assets | 1.7952% | 803 |
| Return on Equity (ROE) | 13.9852% | 761 |
| Retained earnings to average equity (ytd only) | 5.8322% | 1,639 |
| Net charge-offs to loans | -0.0614% | 5,238 |
| Credit loss provision to net charge-offs | -352.4590% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2400% | 5,087 |
| Assets per employee ($millions) | 6.9356% | 996 |
| Cash dividends to net income (ytd only)* | 58.2977% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0561% | 482 |
| Loan loss allowance to noncurrent loans | 424.5059% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 3,541 |
| Noncurrent loans to loans | 0.4843% | 3,065 |
| Net loans and leases to total assets | 67.0612% | 2,956 |
| Net loans and leases to deposits | 77.2128% | 3,200 |
| Net loans and leases to core deposits | 78.5006% | 3,545 |
| Total domestic deposits to total assets | 86.8524% | 2,065 |
| Equity capital to assets | 12.3303% | 1,626 |
| Core capital (leverage) ratio | 12.4123% | 1,396 |
| Tier 1 risk-based capital ratio | 16.9979% | 2,095 |
| Total risk-based capital ratio | 18.2558% | 2,040 |
| Memoranda: | ||
| Average total assets | $150,842,800 | 3,461 |
| Average earning assets | $144,906,200 | 3,386 |
| Average equity | $18,398,000 | 3,316 |
| Average total loans | $99,312,600 | 3,364 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,384 |
| Cost of funding earning assets | 0.4638% | 2,580 |
| Net interest margin | 3.8009% | 2,393 |
| Noninterest income to average assets | 0.3634% | 3,927 |
| Noninterest expense to average assets | 2.0681% | 4,803 |
| Loan and lease loss provision to assets | 0.1773% | 1,134 |
| Net operating income to assets | 1.6835% | 597 |
| Return on assets (ROA) | 1.6852% | 611 |
| Pretax return on assets | 1.7738% | 948 |
| Return on Equity (ROE) | 13.8548% | 866 |
| Retained earnings to average equity (ytd only) | 5.8378% | 2,349 |
| Net charge-offs to loans | -0.0898% | 5,347 |
| Credit loss provision to net charge-offs | -303.0303% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4784% | 5,142 |
| Assets per employee ($millions) | 6.7922% | 1,031 |
| Cash dividends to net income (ytd only)* | 57.8644% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 494 |
| Loan loss allowance to noncurrent loans | 1,495.1049% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,761 |
| Noncurrent loans to loans | 0.1388% | 4,497 |
| Net loans and leases to total assets | 67.4916% | 2,924 |
| Net loans and leases to deposits | 78.1798% | 3,145 |
| Net loans and leases to core deposits | 79.5476% | 3,485 |
| Total domestic deposits to total assets | 86.3286% | 2,161 |
| Equity capital to assets | 12.6341% | 1,584 |
| Core capital (leverage) ratio | 12.4715% | 1,425 |
| Tier 1 risk-based capital ratio | 17.3253% | 2,056 |
| Total risk-based capital ratio | 18.5845% | 2,009 |
| Memoranda: | ||
| Average total assets | $150,407,750 | 3,497 |
| Average earning assets | $144,591,750 | 3,416 |
| Average equity | $18,294,000 | 3,355 |
| Average total loans | $98,022,750 | 3,412 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 2,657 |
| Cost of funding earning assets | 0.4400% | 2,695 |
| Net interest margin | 3.7129% | 2,608 |
| Noninterest income to average assets | 0.3582% | 4,002 |
| Noninterest expense to average assets | 2.1309% | 4,715 |
| Loan and lease loss provision to assets | 0.1128% | 1,817 |
| Net operating income to assets | 1.6015% | 708 |
| Return on assets (ROA) | 1.6015% | 728 |
| Pretax return on assets | 1.6864% | 1,088 |
| Return on Equity (ROE) | 13.3378% | 954 |
| Retained earnings to average equity (ytd only) | 5.6025% | 2,351 |
| Net charge-offs to loans | -0.1515% | 5,528 |
| Credit loss provision to net charge-offs | -116.4384% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2201% | 4,999 |
| Assets per employee ($millions) | 6.7510% | 1,034 |
| Cash dividends to net income (ytd only)* | 57.9950% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 586 |
| Loan loss allowance to noncurrent loans | 957.5472% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 4,608 |
| Noncurrent loans to loans | 0.2105% | 4,279 |
| Net loans and leases to total assets | 66.4281% | 3,042 |
| Net loans and leases to deposits | 77.4456% | 3,166 |
| Net loans and leases to core deposits | 78.6557% | 3,535 |
| Total domestic deposits to total assets | 85.7739% | 2,488 |
| Equity capital to assets | 12.5469% | 1,598 |
| Core capital (leverage) ratio | 12.1383% | 1,563 |
| Tier 1 risk-based capital ratio | 15.5471% | 2,686 |
| Total risk-based capital ratio | 16.8029% | 2,616 |
| Memoranda: | ||
| Average total assets | $150,734,000 | 3,513 |
| Average earning assets | $145,009,670 | 3,431 |
| Average equity | $18,099,000 | 3,384 |
| Average total loans | $96,367,000 | 3,448 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,031 |
| Cost of funding earning assets | 0.4289% | 2,727 |
| Net interest margin | 3.5744% | 2,986 |
| Noninterest income to average assets | 0.3688% | 3,896 |
| Noninterest expense to average assets | 2.1523% | 4,746 |
| Loan and lease loss provision to assets | 0.1712% | 1,030 |
| Net operating income to assets | 1.3988% | 1,005 |
| Return on assets (ROA) | 1.3988% | 1,036 |
| Pretax return on assets | 1.4700% | 1,638 |
| Return on Equity (ROE) | 11.9118% | 1,265 |
| Retained earnings to average equity (ytd only) | 5.1820% | 2,794 |
| Net charge-offs to loans | -0.0170% | 4,652 |
| Credit loss provision to net charge-offs | -1,625.0000% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7361% | 4,864 |
| Assets per employee ($millions) | 6.9370% | 976 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 684 |
| Loan loss allowance to noncurrent loans | 1,078.3333% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,792 |
| Noncurrent loans to loans | 0.1842% | 4,464 |
| Net loans and leases to total assets | 62.7483% | 3,431 |
| Net loans and leases to deposits | 71.4700% | 3,660 |
| Net loans and leases to core deposits | 72.3650% | 3,958 |
| Total domestic deposits to total assets | 87.7966% | 1,828 |
| Equity capital to assets | 11.8234% | 1,961 |
| Core capital (leverage) ratio | 12.4289% | 1,372 |
| Tier 1 risk-based capital ratio | 15.6651% | 2,681 |
| Total risk-based capital ratio | 16.9203% | 2,620 |
| Memoranda: | ||
| Average total assets | $151,839,500 | 3,531 |
| Average earning assets | $145,479,500 | 3,457 |
| Average equity | $17,831,000 | 3,429 |
| Average total loans | $94,205,000 | 3,511 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,405 |
| Cost of funding earning assets | 0.4357% | 2,651 |
| Net interest margin | 3.5088% | 3,391 |
| Noninterest income to average assets | 0.3870% | 3,983 |
| Noninterest expense to average assets | 2.0750% | 5,042 |
| Loan and lease loss provision to assets | 0.1781% | 1,351 |
| Net operating income to assets | 1.4193% | 975 |
| Return on assets (ROA) | 1.4225% | 991 |
| Pretax return on assets | 1.4978% | 1,589 |
| Return on Equity (ROE) | 11.6706% | 1,350 |
| Retained earnings to average equity (ytd only) | 3.4014% | 3,502 |
| Net charge-offs to loans | 0.2321% | 1,196 |
| Credit loss provision to net charge-offs | 127.4038% | 2,101 |
| Earnings coverage of net charge-offs (x) | 11.9663% | 2,499 |
| Efficiency ratio | 55.3703% | 5,122 |
| Assets per employee ($millions) | 7.1936% | 836 |
| Cash dividends to net income (ytd only)* | 70.8550% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 584 |
| Loan loss allowance to noncurrent loans | 491.3386% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 4,295 |
| Noncurrent loans to loans | 0.4200% | 3,635 |
| Net loans and leases to total assets | 58.8054% | 3,986 |
| Net loans and leases to deposits | 68.1747% | 4,074 |
| Net loans and leases to core deposits | 69.0506% | 4,320 |
| Total domestic deposits to total assets | 86.2570% | 2,474 |
| Equity capital to assets | 11.6625% | 2,033 |
| Core capital (leverage) ratio | 12.1435% | 1,516 |
| Tier 1 risk-based capital ratio | 15.6170% | 2,698 |
| Total risk-based capital ratio | 16.8714% | 2,629 |
| Memoranda: | ||
| Average total assets | $148,818,800 | 3,542 |
| Average earning assets | $142,526,400 | 3,471 |
| Average equity | $18,139,600 | 3,382 |
| Average total loans | $89,609,800 | 3,583 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,409 |
| Cost of funding earning assets | 0.4349% | 2,687 |
| Net interest margin | 3.5170% | 3,406 |
| Noninterest income to average assets | 0.3768% | 4,087 |
| Noninterest expense to average assets | 1.9992% | 5,205 |
| Loan and lease loss provision to assets | 0.1484% | 1,582 |
| Net operating income to assets | 1.5225% | 841 |
| Return on assets (ROA) | 1.5225% | 890 |
| Pretax return on assets | 1.6035% | 1,367 |
| Return on Equity (ROE) | 12.3551% | 1,217 |
| Retained earnings to average equity (ytd only) | 4.3276% | 3,242 |
| Net charge-offs to loans | -0.0179% | 4,974 |
| Credit loss provision to net charge-offs | -1,375.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2966% | 5,285 |
| Assets per employee ($millions) | 6.9978% | 893 |
| Cash dividends to net income (ytd only)* | 64.9733% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1196% | 581 |
| Loan loss allowance to noncurrent loans | 326.5574% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 3,767 |
| Noncurrent loans to loans | 0.6491% | 3,074 |
| Net loans and leases to total assets | 62.5965% | 3,569 |
| Net loans and leases to deposits | 73.0063% | 3,702 |
| Net loans and leases to core deposits | 73.9745% | 4,004 |
| Total domestic deposits to total assets | 85.7411% | 2,485 |
| Equity capital to assets | 12.6781% | 1,663 |
| Core capital (leverage) ratio | 12.2604% | 1,506 |
| Tier 1 risk-based capital ratio | 15.6335% | 2,774 |
| Total risk-based capital ratio | 16.8892% | 2,704 |
| Memoranda: | ||
| Average total assets | $148,257,000 | 3,569 |
| Average earning assets | $142,237,500 | 3,487 |
| Average equity | $18,270,000 | 3,397 |
| Average total loans | $89,335,500 | 3,611 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 3,620 |
| Cost of funding earning assets | 0.4277% | 2,754 |
| Net interest margin | 3.4690% | 3,617 |
| Noninterest income to average assets | 0.3672% | 4,125 |
| Noninterest expense to average assets | 2.0068% | 5,254 |
| Loan and lease loss provision to assets | 0.1076% | 2,064 |
| Net operating income to assets | 1.5011% | 893 |
| Return on assets (ROA) | 1.5011% | 934 |
| Pretax return on assets | 1.5805% | 1,423 |
| Return on Equity (ROE) | 12.2977% | 1,212 |
| Retained earnings to average equity (ytd only) | 4.5841% | 2,991 |
| Net charge-offs to loans | -0.0205% | 4,957 |
| Credit loss provision to net charge-offs | -888.8889% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3138% | 5,284 |
| Assets per employee ($millions) | 6.8650% | 921 |
| Cash dividends to net income (ytd only)* | 62.7240% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 603 |
| Loan loss allowance to noncurrent loans | 1,499.2126% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 5,176 |
| Noncurrent loans to loans | 0.1416% | 4,866 |
| Net loans and leases to total assets | 60.9083% | 3,761 |
| Net loans and leases to deposits | 70.8303% | 3,907 |
| Net loans and leases to core deposits | 72.3547% | 4,142 |
| Total domestic deposits to total assets | 85.9918% | 2,424 |
| Equity capital to assets | 12.9094% | 1,561 |
| Core capital (leverage) ratio | 11.8998% | 1,700 |
| Tier 1 risk-based capital ratio | 16.1916% | 2,552 |
| Total risk-based capital ratio | 17.4475% | 2,497 |
| Memoranda: | ||
| Average total assets | $148,691,330 | 3,576 |
| Average earning assets | $142,635,000 | 3,502 |
| Average equity | $18,149,670 | 3,423 |
| Average total loans | $87,787,330 | 3,654 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 3,926 |
| Cost of funding earning assets | 0.4165% | 2,887 |
| Net interest margin | 3.3873% | 3,914 |
| Noninterest income to average assets | 0.3206% | 4,438 |
| Noninterest expense to average assets | 2.0139% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4653% | 914 |
| Return on assets (ROA) | 1.4653% | 956 |
| Pretax return on assets | 1.5395% | 1,472 |
| Return on Equity (ROE) | 12.3444% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.6476% | 2,560 |
| Net charge-offs to loans | -0.0276% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6741% | 5,132 |
| Assets per employee ($millions) | 7.3340% | 761 |
| Cash dividends to net income (ytd only)* | 54.2495% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 738 |
| Loan loss allowance to noncurrent loans | 831.5068% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 5,005 |
| Noncurrent loans to loans | 0.2479% | 4,543 |
| Net loans and leases to total assets | 56.1828% | 4,235 |
| Net loans and leases to deposits | 63.9982% | 4,441 |
| Net loans and leases to core deposits | 65.2574% | 4,598 |
| Total domestic deposits to total assets | 87.7882% | 1,757 |
| Equity capital to assets | 11.8008% | 2,154 |
| Core capital (leverage) ratio | 11.9651% | 1,630 |
| Tier 1 risk-based capital ratio | 16.2028% | 2,582 |
| Total risk-based capital ratio | 17.4584% | 2,542 |
| Memoranda: | ||
| Average total assets | $150,954,000 | 3,572 |
| Average earning assets | $144,065,500 | 3,497 |
| Average equity | $17,919,000 | 3,452 |
| Average total loans | $86,824,500 | 3,687 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,416 |
| Cost of funding earning assets | 0.4253% | 2,894 |
| Net interest margin | 3.5480% | 3,333 |
| Noninterest income to average assets | 0.4249% | 3,855 |
| Noninterest expense to average assets | 2.0821% | 5,284 |
| Loan and lease loss provision to assets | 0.1337% | 1,783 |
| Net operating income to assets | 1.5150% | 839 |
| Return on assets (ROA) | 1.5257% | 851 |
| Pretax return on assets | 1.6059% | 1,230 |
| Return on Equity (ROE) | 12.4381% | 1,197 |
| Retained earnings to average equity (ytd only) | 4.9833% | 2,430 |
| Net charge-offs to loans | 0.0186% | 3,903 |
| Credit loss provision to net charge-offs | 1,187.5000% | 285 |
| Earnings coverage of net charge-offs (x) | 153.5625% | 415 |
| Efficiency ratio | 54.6428% | 5,478 |
| Assets per employee ($millions) | 7.0425% | 872 |
| Cash dividends to net income (ytd only)* | 59.9355% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 665 |
| Loan loss allowance to noncurrent loans | 930.7692% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 5,067 |
| Noncurrent loans to loans | 0.2286% | 4,607 |
| Net loans and leases to total assets | 56.4482% | 4,261 |
| Net loans and leases to deposits | 64.7105% | 4,418 |
| Net loans and leases to core deposits | 66.0451% | 4,589 |
| Total domestic deposits to total assets | 87.2320% | 2,016 |
| Equity capital to assets | 11.9431% | 1,999 |
| Core capital (leverage) ratio | 11.8592% | 1,717 |
| Tier 1 risk-based capital ratio | 15.6830% | 2,843 |
| Total risk-based capital ratio | 16.9378% | 2,772 |
| Memoranda: | ||
| Average total assets | $142,161,400 | 3,691 |
| Average earning assets | $135,655,400 | 3,602 |
| Average equity | $17,438,400 | 3,468 |
| Average total loans | $85,868,600 | 3,675 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 3,339 |
| Cost of funding earning assets | 0.4220% | 2,991 |
| Net interest margin | 3.5790% | 3,240 |
| Noninterest income to average assets | 0.4216% | 3,927 |
| Noninterest expense to average assets | 2.0161% | 5,454 |
| Loan and lease loss provision to assets | 0.1563% | 1,388 |
| Net operating income to assets | 1.5898% | 784 |
| Return on assets (ROA) | 1.5898% | 822 |
| Pretax return on assets | 1.6722% | 1,181 |
| Return on Equity (ROE) | 12.8711% | 1,154 |
| Retained earnings to average equity (ytd only) | 5.5841% | 2,534 |
| Net charge-offs to loans | 0.0015% | 4,129 |
| Credit loss provision to net charge-offs | 16,500.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,934.7895% | 31 |
| Efficiency ratio | 52.4396% | 5,620 |
| Assets per employee ($millions) | 6.8889% | 915 |
| Cash dividends to net income (ytd only)* | 56.6152% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 813 |
| Loan loss allowance to noncurrent loans | 663.6029% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 4,720 |
| Noncurrent loans to loans | 0.3128% | 4,477 |
| Net loans and leases to total assets | 58.8621% | 4,033 |
| Net loans and leases to deposits | 67.5573% | 4,232 |
| Net loans and leases to core deposits | 68.9824% | 4,459 |
| Total domestic deposits to total assets | 87.1291% | 1,966 |
| Equity capital to assets | 12.2419% | 1,915 |
| Core capital (leverage) ratio | 12.2917% | 1,517 |
| Tier 1 risk-based capital ratio | 15.3553% | 3,112 |
| Total risk-based capital ratio | 16.6099% | 3,043 |
| Memoranda: | ||
| Average total assets | $140,728,500 | 3,747 |
| Average earning assets | $134,596,000 | 3,656 |
| Average equity | $17,382,250 | 3,506 |
| Average total loans | $86,011,250 | 3,713 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,238 |
| Cost of funding earning assets | 0.4213% | 3,028 |
| Net interest margin | 3.5905% | 3,125 |
| Noninterest income to average assets | 0.4347% | 3,816 |
| Noninterest expense to average assets | 1.9940% | 5,544 |
| Loan and lease loss provision to assets | 0.2008% | 974 |
| Net operating income to assets | 1.5924% | 756 |
| Return on assets (ROA) | 1.5924% | 781 |
| Pretax return on assets | 1.6756% | 1,132 |
| Return on Equity (ROE) | 12.8524% | 1,143 |
| Retained earnings to average equity (ytd only) | 5.9052% | 2,302 |
| Net charge-offs to loans | -0.0117% | 4,974 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5196% | 5,752 |
| Assets per employee ($millions) | 6.8798% | 875 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 901 |
| Loan loss allowance to noncurrent loans | 603.3784% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 5,009 |
| Noncurrent loans to loans | 0.3414% | 4,467 |
| Net loans and leases to total assets | 61.7057% | 3,597 |
| Net loans and leases to deposits | 70.7233% | 3,850 |
| Net loans and leases to core deposits | 72.2895% | 4,103 |
| Total domestic deposits to total assets | 87.2495% | 2,037 |
| Equity capital to assets | 12.5550% | 1,630 |
| Core capital (leverage) ratio | 11.9753% | 1,677 |
| Tier 1 risk-based capital ratio | 15.4910% | 3,109 |
| Total risk-based capital ratio | 16.7457% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,415,670 | 3,791 |
| Average earning assets | $133,407,000 | 3,704 |
| Average equity | $17,273,000 | 3,526 |
| Average total loans | $85,695,330 | 3,741 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,463 |
| Cost of funding earning assets | 0.4121% | 3,170 |
| Net interest margin | 3.5264% | 3,319 |
| Noninterest income to average assets | 0.3877% | 4,107 |
| Noninterest expense to average assets | 1.9954% | 5,586 |
| Loan and lease loss provision to assets | 0.1710% | 1,154 |
| Net operating income to assets | 1.5108% | 829 |
| Return on assets (ROA) | 1.5108% | 879 |
| Pretax return on assets | 1.5877% | 1,298 |
| Return on Equity (ROE) | 12.2742% | 1,274 |
| Retained earnings to average equity (ytd only) | 6.4845% | 2,243 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1511% | 5,741 |
| Assets per employee ($millions) | 7.2642% | 753 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9516% | 1,182 |
| Loan loss allowance to noncurrent loans | 543.4505% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,085 |
| Noncurrent loans to loans | 0.3591% | 4,517 |
| Net loans and leases to total assets | 58.8213% | 3,827 |
| Net loans and leases to deposits | 67.8761% | 3,967 |
| Net loans and leases to core deposits | 69.3062% | 4,222 |
| Total domestic deposits to total assets | 86.6599% | 2,568 |
| Equity capital to assets | 12.0674% | 1,985 |
| Core capital (leverage) ratio | 12.0934% | 1,578 |
| Tier 1 risk-based capital ratio | 14.7424% | 3,578 |
| Total risk-based capital ratio | 15.9943% | 3,508 |
| Memoranda: | ||
| Average total assets | $140,326,000 | 3,806 |
| Average earning assets | $133,960,000 | 3,717 |
| Average equity | $17,272,000 | 3,553 |
| Average total loans | $85,198,000 | 3,766 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,783 |
| Cost of funding earning assets | 0.4269% | 3,420 |
| Net interest margin | 3.5567% | 3,572 |
| Noninterest income to average assets | 0.4104% | 4,109 |
| Noninterest expense to average assets | 2.0189% | 5,730 |
| Loan and lease loss provision to assets | 0.2435% | 950 |
| Net operating income to assets | 1.4600% | 959 |
| Return on assets (ROA) | 1.4417% | 1,029 |
| Pretax return on assets | 1.5176% | 1,482 |
| Return on Equity (ROE) | 12.2633% | 1,335 |
| Retained earnings to average equity (ytd only) | 4.3436% | 3,095 |
| Net charge-offs to loans | 0.1699% | 2,330 |
| Credit loss provision to net charge-offs | 251.8519% | 1,012 |
| Earnings coverage of net charge-offs (x) | 18.4148% | 1,849 |
| Efficiency ratio | 53.1385% | 5,907 |
| Assets per employee ($millions) | 6.7684% | 928 |
| Cash dividends to net income (ytd only)* | 64.5802% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 1,160 |
| Loan loss allowance to noncurrent loans | 661.6935% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 5,299 |
| Noncurrent loans to loans | 0.2979% | 4,780 |
| Net loans and leases to total assets | 60.2772% | 3,750 |
| Net loans and leases to deposits | 69.9824% | 3,909 |
| Net loans and leases to core deposits | 72.0755% | 4,113 |
| Total domestic deposits to total assets | 86.1319% | 2,763 |
| Equity capital to assets | 12.5672% | 1,608 |
| Core capital (leverage) ratio | 11.6830% | 1,839 |
| Tier 1 risk-based capital ratio | 15.4774% | 3,235 |
| Total risk-based capital ratio | 16.7313% | 3,170 |
| Memoranda: | ||
| Average total assets | $139,628,800 | 3,807 |
| Average earning assets | $133,045,000 | 3,705 |
| Average equity | $16,414,800 | 3,616 |
| Average total loans | $79,445,400 | 3,889 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 4,026 |
| Cost of funding earning assets | 0.4182% | 3,598 |
| Net interest margin | 3.5185% | 3,760 |
| Noninterest income to average assets | 0.4009% | 4,237 |
| Noninterest expense to average assets | 1.9105% | 5,934 |
| Loan and lease loss provision to assets | 0.2322% | 947 |
| Net operating income to assets | 1.5263% | 885 |
| Return on assets (ROA) | 1.5362% | 906 |
| Pretax return on assets | 1.6177% | 1,271 |
| Return on Equity (ROE) | 13.2875% | 1,139 |
| Retained earnings to average equity (ytd only) | 5.5002% | 2,746 |
| Net charge-offs to loans | 0.1614% | 2,190 |
| Credit loss provision to net charge-offs | 257.8947% | 1,025 |
| Earnings coverage of net charge-offs (x) | 20.4322% | 1,738 |
| Efficiency ratio | 50.9477% | 6,054 |
| Assets per employee ($millions) | 7.2579% | 711 |
| Cash dividends to net income (ytd only)* | 58.6060% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9381% | 1,376 |
| Loan loss allowance to noncurrent loans | 570.5036% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 5,415 |
| Noncurrent loans to loans | 0.3397% | 4,882 |
| Net loans and leases to total assets | 58.1907% | 4,046 |
| Net loans and leases to deposits | 67.1669% | 4,225 |
| Net loans and leases to core deposits | 68.8863% | 4,425 |
| Total domestic deposits to total assets | 86.6360% | 2,506 |
| Equity capital to assets | 12.2132% | 1,898 |
| Core capital (leverage) ratio | 11.7976% | 1,834 |
| Tier 1 risk-based capital ratio | 15.5395% | 3,292 |
| Total risk-based capital ratio | 16.7921% | 3,232 |
| Memoranda: | ||
| Average total assets | $140,694,000 | 3,816 |
| Average earning assets | $133,916,250 | 3,721 |
| Average equity | $16,265,500 | 3,656 |
| Average total loans | $78,497,500 | 3,945 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 4,219 |
| Cost of funding earning assets | 0.4144% | 3,711 |
| Net interest margin | 3.4665% | 3,912 |
| Noninterest income to average assets | 0.4011% | 4,241 |
| Noninterest expense to average assets | 1.8612% | 6,062 |
| Loan and lease loss provision to assets | 0.1906% | 1,279 |
| Net operating income to assets | 1.5633% | 772 |
| Return on assets (ROA) | 1.5633% | 802 |
| Pretax return on assets | 1.6452% | 1,151 |
| Return on Equity (ROE) | 13.7744% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.3086% | 2,151 |
| Net charge-offs to loans | 0.1292% | 2,374 |
| Credit loss provision to net charge-offs | 270.0000% | 935 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,389 |
| Efficiency ratio | 50.3438% | 6,155 |
| Assets per employee ($millions) | 6.9711% | 809 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 1,611 |
| Loan loss allowance to noncurrent loans | 426.0504% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 5,325 |
| Noncurrent loans to loans | 0.4427% | 4,657 |
| Net loans and leases to total assets | 56.7468% | 4,148 |
| Net loans and leases to deposits | 66.9162% | 4,168 |
| Net loans and leases to core deposits | 67.7035% | 4,494 |
| Total domestic deposits to total assets | 84.8029% | 3,602 |
| Equity capital to assets | 11.9774% | 2,003 |
| Core capital (leverage) ratio | 11.3251% | 2,139 |
| Tier 1 risk-based capital ratio | 15.4688% | 3,368 |
| Total risk-based capital ratio | 16.7217% | 3,309 |
| Memoranda: | ||
| Average total assets | $141,625,330 | 3,823 |
| Average earning assets | $134,661,330 | 3,734 |
| Average equity | $16,073,330 | 3,676 |
| Average total loans | $77,386,330 | 3,991 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 4,504 |
| Cost of funding earning assets | 0.4108% | 3,851 |
| Net interest margin | 3.3837% | 4,206 |
| Noninterest income to average assets | 0.3587% | 4,519 |
| Noninterest expense to average assets | 1.7936% | 6,228 |
| Loan and lease loss provision to assets | 0.0981% | 2,284 |
| Net operating income to assets | 1.5918% | 676 |
| Return on assets (ROA) | 1.5918% | 704 |
| Pretax return on assets | 1.6759% | 1,025 |
| Return on Equity (ROE) | 14.4158% | 875 |
| Retained earnings to average equity (ytd only) | 8.0708% | 1,566 |
| Net charge-offs to loans | 0.1003% | 2,167 |
| Credit loss provision to net charge-offs | 184.2105% | 1,108 |
| Earnings coverage of net charge-offs (x) | 33.3158% | 986 |
| Efficiency ratio | 50.2749% | 6,241 |
| Assets per employee ($millions) | 7.3267% | 683 |
| Cash dividends to net income (ytd only)* | 44.0141% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 1,763 |
| Loan loss allowance to noncurrent loans | 327.0270% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 5,245 |
| Noncurrent loans to loans | 0.5803% | 4,420 |
| Net loans and leases to total assets | 51.2260% | 4,762 |
| Net loans and leases to deposits | 58.5442% | 4,885 |
| Net loans and leases to core deposits | 59.1788% | 5,108 |
| Total domestic deposits to total assets | 87.4997% | 2,510 |
| Equity capital to assets | 11.0023% | 2,707 |
| Core capital (leverage) ratio | 11.4631% | 1,992 |
| Tier 1 risk-based capital ratio | 15.5737% | 3,398 |
| Total risk-based capital ratio | 16.8257% | 3,361 |
| Memoranda: | ||
| Average total assets | $142,727,500 | 3,832 |
| Average earning assets | $135,353,500 | 3,739 |
| Average equity | $15,760,500 | 3,739 |
| Average total loans | $75,760,500 | 4,077 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,986 |
| Cost of funding earning assets | 0.4836% | 3,781 |
| Net interest margin | 3.2637% | 4,793 |
| Noninterest income to average assets | 0.4508% | 4,087 |
| Noninterest expense to average assets | 1.9785% | 6,066 |
| Loan and lease loss provision to assets | 0.1946% | 1,904 |
| Net operating income to assets | 1.3258% | 1,190 |
| Return on assets (ROA) | 1.3742% | 1,116 |
| Pretax return on assets | 1.4471% | 1,634 |
| Return on Equity (ROE) | 12.2221% | 1,346 |
| Retained earnings to average equity (ytd only) | 4.0405% | 3,316 |
| Net charge-offs to loans | 0.2778% | 2,312 |
| Credit loss provision to net charge-offs | 139.5939% | 1,669 |
| Earnings coverage of net charge-offs (x) | 11.4112% | 2,244 |
| Efficiency ratio | 55.4322% | 6,003 |
| Assets per employee ($millions) | 6.9461% | 790 |
| Cash dividends to net income (ytd only)* | 66.9413% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 1,751 |
| Loan loss allowance to noncurrent loans | 616.3090% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 5,809 |
| Noncurrent loans to loans | 0.3106% | 5,255 |
| Net loans and leases to total assets | 52.9578% | 4,731 |
| Net loans and leases to deposits | 63.5330% | 4,556 |
| Net loans and leases to core deposits | 64.0725% | 4,861 |
| Total domestic deposits to total assets | 83.3547% | 4,408 |
| Equity capital to assets | 11.0846% | 2,536 |
| Core capital (leverage) ratio | 11.2990% | 2,119 |
| Tier 1 risk-based capital ratio | 15.6934% | 3,256 |
| Total risk-based capital ratio | 16.9457% | 3,215 |
| Memoranda: | ||
| Average total assets | $141,317,600 | 3,853 |
| Average earning assets | $135,031,600 | 3,738 |
| Average equity | $15,889,200 | 3,721 |
| Average total loans | $70,906,000 | 4,234 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 5,208 |
| Cost of funding earning assets | 0.4992% | 3,775 |
| Net interest margin | 3.1845% | 5,044 |
| Noninterest income to average assets | 0.4500% | 4,153 |
| Noninterest expense to average assets | 1.9156% | 6,159 |
| Loan and lease loss provision to assets | 0.1268% | 2,708 |
| Net operating income to assets | 1.3853% | 1,137 |
| Return on assets (ROA) | 1.4487% | 1,040 |
| Pretax return on assets | 1.5248% | 1,534 |
| Return on Equity (ROE) | 12.8403% | 1,274 |
| Retained earnings to average equity (ytd only) | 4.9296% | 3,134 |
| Net charge-offs to loans | 0.0076% | 5,012 |
| Credit loss provision to net charge-offs | 3,375.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 422.0038% | 138 |
| Efficiency ratio | 54.7236% | 6,039 |
| Assets per employee ($millions) | 6.9423% | 775 |
| Cash dividends to net income (ytd only)* | 61.6085% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 1,640 |
| Loan loss allowance to noncurrent loans | 343.8799% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 5,477 |
| Noncurrent loans to loans | 0.5919% | 4,718 |
| Net loans and leases to total assets | 51.6180% | 4,926 |
| Net loans and leases to deposits | 58.2533% | 5,162 |
| Net loans and leases to core deposits | 58.8386% | 5,378 |
| Total domestic deposits to total assets | 88.6096% | 1,779 |
| Equity capital to assets | 11.2744% | 2,492 |
| Core capital (leverage) ratio | 11.2432% | 2,258 |
| Tier 1 risk-based capital ratio | 15.9508% | 3,222 |
| Total risk-based capital ratio | 17.2032% | 3,175 |
| Memoranda: | ||
| Average total assets | $141,916,500 | 3,888 |
| Average earning assets | $135,947,500 | 3,763 |
| Average equity | $16,011,750 | 3,741 |
| Average total loans | $69,881,000 | 4,304 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 5,499 |
| Cost of funding earning assets | 0.5137% | 3,770 |
| Net interest margin | 3.0647% | 5,379 |
| Noninterest income to average assets | 0.4729% | 4,009 |
| Noninterest expense to average assets | 1.8385% | 6,313 |
| Loan and lease loss provision to assets | 0.0979% | 3,154 |
| Net operating income to assets | 1.4010% | 1,077 |
| Return on assets (ROA) | 1.4621% | 1,033 |
| Pretax return on assets | 1.5391% | 1,511 |
| Return on Equity (ROE) | 12.9564% | 1,254 |
| Retained earnings to average equity (ytd only) | 5.5173% | 2,728 |
| Net charge-offs to loans | 0.0204% | 4,435 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 160.5714% | 306 |
| Efficiency ratio | 53.8966% | 6,154 |
| Assets per employee ($millions) | 6.9016% | 753 |
| Cash dividends to net income (ytd only)* | 57.4163% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 1,840 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 5,424 |
| Noncurrent loans to loans | 0.6906% | 4,555 |
| Net loans and leases to total assets | 50.3760% | 5,070 |
| Net loans and leases to deposits | 56.8106% | 5,263 |
| Net loans and leases to core deposits | 57.3939% | 5,476 |
| Total domestic deposits to total assets | 88.6736% | 1,793 |
| Equity capital to assets | 10.9192% | 2,827 |
| Core capital (leverage) ratio | 10.8510% | 2,502 |
| Tier 1 risk-based capital ratio | 16.2997% | 3,034 |
| Total risk-based capital ratio | 17.5527% | 2,992 |
| Memoranda: | ||
| Average total assets | $142,940,330 | 3,897 |
| Average earning assets | $137,043,330 | 3,776 |
| Average equity | $16,131,000 | 3,753 |
| Average total loans | $68,788,670 | 4,354 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4382% | 5,860 |
| Cost of funding earning assets | 0.5265% | 3,825 |
| Net interest margin | 2.9117% | 5,789 |
| Noninterest income to average assets | 0.3962% | 4,488 |
| Noninterest expense to average assets | 1.7992% | 6,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3104% | 1,254 |
| Return on assets (ROA) | 1.4306% | 1,062 |
| Pretax return on assets | 1.5076% | 1,536 |
| Return on Equity (ROE) | 12.4846% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.4824% | 2,415 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5744% | 6,008 |
| Assets per employee ($millions) | 7.3187% | 663 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 2,093 |
| Loan loss allowance to noncurrent loans | 371.0383% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 5,827 |
| Noncurrent loans to loans | 0.5345% | 5,105 |
| Net loans and leases to total assets | 45.8510% | 5,453 |
| Net loans and leases to deposits | 51.7867% | 5,642 |
| Net loans and leases to core deposits | 52.7883% | 5,762 |
| Total domestic deposits to total assets | 88.5383% | 1,976 |
| Equity capital to assets | 11.3798% | 2,549 |
| Core capital (leverage) ratio | 10.5716% | 2,683 |
| Tier 1 risk-based capital ratio | 16.6335% | 2,934 |
| Total risk-based capital ratio | 17.8857% | 2,901 |
| Memoranda: | ||
| Average total assets | $145,394,500 | 3,889 |
| Average earning assets | $139,024,500 | 3,777 |
| Average equity | $16,660,500 | 3,720 |
| Average total loans | $67,705,000 | 4,434 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 5,272 |
| Cost of funding earning assets | 0.6623% | 3,812 |
| Net interest margin | 3.3461% | 5,084 |
| Noninterest income to average assets | 0.5122% | 3,818 |
| Noninterest expense to average assets | 2.0016% | 6,319 |
| Loan and lease loss provision to assets | 0.1310% | 3,981 |
| Net operating income to assets | 1.5010% | 913 |
| Return on assets (ROA) | 1.5081% | 995 |
| Pretax return on assets | 1.5875% | 1,421 |
| Return on Equity (ROE) | 12.2548% | 1,430 |
| Retained earnings to average equity (ytd only) | 4.3445% | 3,170 |
| Net charge-offs to loans | 0.0372% | 5,401 |
| Credit loss provision to net charge-offs | 700.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 91.4000% | 428 |
| Efficiency ratio | 53.9129% | 6,275 |
| Assets per employee ($millions) | 7.2208% | 700 |
| Cash dividends to net income (ytd only)* | 64.5482% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 1,941 |
| Loan loss allowance to noncurrent loans | 357.3684% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 5,551 |
| Noncurrent loans to loans | 0.5677% | 5,112 |
| Net loans and leases to total assets | 45.4108% | 5,679 |
| Net loans and leases to deposits | 52.6379% | 5,764 |
| Net loans and leases to core deposits | 53.6973% | 5,898 |
| Total domestic deposits to total assets | 86.2701% | 3,220 |
| Equity capital to assets | 11.5390% | 2,406 |
| Core capital (leverage) ratio | 10.8390% | 2,402 |
| Tier 1 risk-based capital ratio | 16.4926% | 2,897 |
| Total risk-based capital ratio | 17.7455% | 2,865 |
| Memoranda: | ||
| Average total assets | $133,546,400 | 4,073 |
| Average earning assets | $127,731,600 | 3,953 |
| Average equity | $16,434,400 | 3,716 |
| Average total loans | $67,175,200 | 4,455 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 5,105 |
| Cost of funding earning assets | 0.6872% | 3,888 |
| Net interest margin | 3.4350% | 4,901 |
| Noninterest income to average assets | 0.5034% | 3,905 |
| Noninterest expense to average assets | 1.9975% | 6,355 |
| Loan and lease loss provision to assets | 0.1376% | 3,827 |
| Net operating income to assets | 1.5812% | 892 |
| Return on assets (ROA) | 1.5908% | 961 |
| Pretax return on assets | 1.6744% | 1,347 |
| Return on Equity (ROE) | 12.7086% | 1,411 |
| Retained earnings to average equity (ytd only) | 4.9744% | 3,381 |
| Net charge-offs to loans | 0.0337% | 5,175 |
| Credit loss provision to net charge-offs | 794.1176% | 353 |
| Earnings coverage of net charge-offs (x) | 103.9819% | 405 |
| Efficiency ratio | 52.5751% | 6,394 |
| Assets per employee ($millions) | 6.7856% | 820 |
| Cash dividends to net income (ytd only)* | 60.8587% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 2,309 |
| Loan loss allowance to noncurrent loans | 270.6122% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 5,456 |
| Noncurrent loans to loans | 0.7225% | 4,987 |
| Net loans and leases to total assets | 48.9975% | 5,432 |
| Net loans and leases to deposits | 56.6088% | 5,579 |
| Net loans and leases to core deposits | 58.2054% | 5,715 |
| Total domestic deposits to total assets | 86.5545% | 2,945 |
| Equity capital to assets | 12.4507% | 1,928 |
| Core capital (leverage) ratio | 11.5903% | 1,922 |
| Tier 1 risk-based capital ratio | 16.4027% | 3,058 |
| Total risk-based capital ratio | 17.6550% | 3,022 |
| Memoranda: | ||
| Average total assets | $130,829,250 | 4,166 |
| Average earning assets | $125,527,250 | 4,028 |
| Average equity | $16,377,000 | 3,757 |
| Average total loans | $67,234,500 | 4,496 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 5,015 |
| Cost of funding earning assets | 0.7082% | 3,951 |
| Net interest margin | 3.4750% | 4,781 |
| Noninterest income to average assets | 0.4984% | 3,931 |
| Noninterest expense to average assets | 2.0015% | 6,431 |
| Loan and lease loss provision to assets | 0.1393% | 3,775 |
| Net operating income to assets | 1.6091% | 823 |
| Return on assets (ROA) | 1.6238% | 891 |
| Pretax return on assets | 1.7074% | 1,235 |
| Return on Equity (ROE) | 12.9477% | 1,377 |
| Retained earnings to average equity (ytd only) | 5.5420% | 2,971 |
| Net charge-offs to loans | 0.0388% | 4,833 |
| Credit loss provision to net charge-offs | 692.3077% | 462 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 462 |
| Efficiency ratio | 52.2213% | 6,484 |
| Assets per employee ($millions) | 6.3283% | 1,050 |
| Cash dividends to net income (ytd only)* | 57.1973% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 2,651 |
| Loan loss allowance to noncurrent loans | 251.4677% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 5,419 |
| Noncurrent loans to loans | 0.7429% | 5,025 |
| Net loans and leases to total assets | 53.3291% | 4,911 |
| Net loans and leases to deposits | 61.6774% | 5,042 |
| Net loans and leases to core deposits | 63.5460% | 5,252 |
| Total domestic deposits to total assets | 86.4647% | 3,094 |
| Equity capital to assets | 13.0352% | 1,500 |
| Core capital (leverage) ratio | 11.3087% | 2,036 |
| Tier 1 risk-based capital ratio | 16.5567% | 2,882 |
| Total risk-based capital ratio | 17.8090% | 2,844 |
| Memoranda: | ||
| Average total assets | $129,202,000 | 4,228 |
| Average earning assets | $123,970,330 | 4,079 |
| Average equity | $16,203,670 | 3,773 |
| Average total loans | $67,039,000 | 4,524 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 5,321 |
| Cost of funding earning assets | 0.7282% | 4,042 |
| Net interest margin | 3.4112% | 5,078 |
| Noninterest income to average assets | 0.4689% | 4,149 |
| Noninterest expense to average assets | 1.9920% | 6,476 |
| Loan and lease loss provision to assets | 0.0613% | 4,649 |
| Net operating income to assets | 1.6059% | 854 |
| Return on assets (ROA) | 1.6059% | 954 |
| Pretax return on assets | 1.6886% | 1,334 |
| Return on Equity (ROE) | 13.0539% | 1,391 |
| Retained earnings to average equity (ytd only) | 6.8259% | 2,516 |
| Net charge-offs to loans | 0.0423% | 4,104 |
| Credit loss provision to net charge-offs | 285.7143% | 1,025 |
| Earnings coverage of net charge-offs (x) | 81.5714% | 413 |
| Efficiency ratio | 53.2351% | 6,417 |
| Assets per employee ($millions) | 6.3755% | 1,046 |
| Cash dividends to net income (ytd only)* | 47.7099% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 2,822 |
| Loan loss allowance to noncurrent loans | 259.2357% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 5,666 |
| Noncurrent loans to loans | 0.7159% | 5,231 |
| Net loans and leases to total assets | 48.2254% | 5,526 |
| Net loans and leases to deposits | 55.1676% | 5,686 |
| Net loans and leases to core deposits | 56.1252% | 5,896 |
| Total domestic deposits to total assets | 87.4162% | 2,714 |
| Equity capital to assets | 12.0894% | 1,981 |
| Core capital (leverage) ratio | 11.3305% | 2,014 |
| Tier 1 risk-based capital ratio | 16.9627% | 2,696 |
| Total risk-based capital ratio | 18.2147% | 2,653 |
| Memoranda: | ||
| Average total assets | $130,520,500 | 4,218 |
| Average earning assets | $125,233,000 | 4,080 |
| Average equity | $16,056,500 | 3,803 |
| Average total loans | $66,168,000 | 4,581 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 4,227 |
| Cost of funding earning assets | 0.8925% | 4,174 |
| Net interest margin | 3.8121% | 3,764 |
| Noninterest income to average assets | 0.4597% | 4,144 |
| Noninterest expense to average assets | 2.1754% | 6,319 |
| Loan and lease loss provision to assets | 0.2433% | 3,773 |
| Net operating income to assets | 1.6024% | 657 |
| Return on assets (ROA) | 1.6024% | 715 |
| Pretax return on assets | 1.6854% | 1,021 |
| Return on Equity (ROE) | 12.5915% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.6695% | 2,192 |
| Net charge-offs to loans | 0.1793% | 4,713 |
| Credit loss provision to net charge-offs | 245.7627% | 986 |
| Earnings coverage of net charge-offs (x) | 19.4831% | 1,166 |
| Efficiency ratio | 53.0049% | 6,613 |
| Assets per employee ($millions) | 6.0550% | 1,190 |
| Cash dividends to net income (ytd only)* | 54.9738% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 2,825 |
| Loan loss allowance to noncurrent loans | 257.0213% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 5,714 |
| Noncurrent loans to loans | 0.7063% | 5,284 |
| Net loans and leases to total assets | 51.3861% | 5,403 |
| Net loans and leases to deposits | 59.6402% | 5,533 |
| Net loans and leases to core deposits | 60.7447% | 5,775 |
| Total domestic deposits to total assets | 86.1602% | 3,223 |
| Equity capital to assets | 12.5257% | 1,786 |
| Core capital (leverage) ratio | 11.4160% | 1,956 |
| Tier 1 risk-based capital ratio | 16.8315% | 2,675 |
| Total risk-based capital ratio | 18.0834% | 2,639 |
| Memoranda: | ||
| Average total assets | $119,199,200 | 4,420 |
| Average earning assets | $113,953,800 | 4,282 |
| Average equity | $15,169,000 | 3,873 |
| Average total loans | $65,802,800 | 4,639 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 4,059 |
| Cost of funding earning assets | 0.9273% | 4,217 |
| Net interest margin | 3.8629% | 3,558 |
| Noninterest income to average assets | 0.4641% | 4,180 |
| Noninterest expense to average assets | 2.1659% | 6,357 |
| Loan and lease loss provision to assets | 0.2673% | 3,370 |
| Net operating income to assets | 1.6369% | 725 |
| Return on assets (ROA) | 1.6369% | 791 |
| Pretax return on assets | 1.7222% | 1,094 |
| Return on Equity (ROE) | 12.8083% | 1,328 |
| Retained earnings to average equity (ytd only) | 6.1326% | 2,472 |
| Net charge-offs to loans | 0.1951% | 4,242 |
| Credit loss provision to net charge-offs | 244.7917% | 1,172 |
| Earnings coverage of net charge-offs (x) | 18.2183% | 1,313 |
| Efficiency ratio | 52.1215% | 6,664 |
| Assets per employee ($millions) | 5.8205% | 1,333 |
| Cash dividends to net income (ytd only)* | 52.1198% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 3,034 |
| Loan loss allowance to noncurrent loans | 252.6882% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 5,788 |
| Noncurrent loans to loans | 0.7009% | 5,480 |
| Net loans and leases to total assets | 53.3175% | 5,275 |
| Net loans and leases to deposits | 61.5061% | 5,462 |
| Net loans and leases to core deposits | 62.6809% | 5,753 |
| Total domestic deposits to total assets | 86.6866% | 2,832 |
| Equity capital to assets | 12.9878% | 1,622 |
| Core capital (leverage) ratio | 11.9304% | 1,743 |
| Tier 1 risk-based capital ratio | 16.9335% | 2,666 |
| Total risk-based capital ratio | 18.1856% | 2,638 |
| Memoranda: | ||
| Average total assets | $117,210,250 | 4,498 |
| Average earning assets | $112,002,250 | 4,360 |
| Average equity | $14,979,500 | 3,928 |
| Average total loans | $65,616,500 | 4,692 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 3,932 |
| Cost of funding earning assets | 0.9580% | 4,263 |
| Net interest margin | 3.8771% | 3,404 |
| Noninterest income to average assets | 0.4605% | 4,187 |
| Noninterest expense to average assets | 2.2054% | 6,371 |
| Loan and lease loss provision to assets | 0.3116% | 2,925 |
| Net operating income to assets | 1.5701% | 772 |
| Return on assets (ROA) | 1.5701% | 820 |
| Pretax return on assets | 1.6497% | 1,157 |
| Return on Equity (ROE) | 12.3561% | 1,394 |
| Retained earnings to average equity (ytd only) | 6.2257% | 2,279 |
| Net charge-offs to loans | 0.2784% | 3,494 |
| Credit loss provision to net charge-offs | 197.8022% | 1,532 |
| Earnings coverage of net charge-offs (x) | 12.4505% | 1,628 |
| Efficiency ratio | 52.9290% | 6,721 |
| Assets per employee ($millions) | 5.6543% | 1,436 |
| Cash dividends to net income (ytd only)* | 49.6141% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 3,186 |
| Loan loss allowance to noncurrent loans | 225.4509% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 5,801 |
| Noncurrent loans to loans | 0.7720% | 5,367 |
| Net loans and leases to total assets | 53.4895% | 5,366 |
| Net loans and leases to deposits | 61.7258% | 5,534 |
| Net loans and leases to core deposits | 62.9375% | 5,816 |
| Total domestic deposits to total assets | 86.6567% | 2,952 |
| Equity capital to assets | 12.8624% | 1,591 |
| Core capital (leverage) ratio | 11.8794% | 1,681 |
| Tier 1 risk-based capital ratio | 17.2647% | 2,423 |
| Total risk-based capital ratio | 18.5168% | 2,396 |
| Memoranda: | ||
| Average total assets | $115,537,000 | 4,573 |
| Average earning assets | $110,442,330 | 4,432 |
| Average equity | $14,681,000 | 3,962 |
| Average total loans | $65,373,670 | 4,746 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9028% | 3,578 |
| Cost of funding earning assets | 0.9835% | 4,320 |
| Net interest margin | 3.9193% | 3,050 |
| Noninterest income to average assets | 0.4108% | 4,623 |
| Noninterest expense to average assets | 2.2539% | 6,296 |
| Loan and lease loss provision to assets | 0.2282% | 3,375 |
| Net operating income to assets | 1.5798% | 719 |
| Return on assets (ROA) | 1.5798% | 765 |
| Pretax return on assets | 1.6641% | 1,049 |
| Return on Equity (ROE) | 12.5130% | 1,319 |
| Retained earnings to average equity (ytd only) | 6.9517% | 2,168 |
| Net charge-offs to loans | -0.0122% | 6,419 |
| Credit loss provision to net charge-offs | -3,250.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3607% | 6,662 |
| Assets per employee ($millions) | 5.1850% | 1,913 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 3,373 |
| Loan loss allowance to noncurrent loans | 185.0671% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 5,617 |
| Noncurrent loans to loans | 0.9131% | 5,216 |
| Net loans and leases to total assets | 56.2509% | 4,956 |
| Net loans and leases to deposits | 64.9125% | 5,143 |
| Net loans and leases to core deposits | 66.9274% | 5,410 |
| Total domestic deposits to total assets | 86.6566% | 3,146 |
| Equity capital to assets | 12.7508% | 1,499 |
| Core capital (leverage) ratio | 12.0006% | 1,570 |
| Tier 1 risk-based capital ratio | 16.6510% | 2,602 |
| Total risk-based capital ratio | 17.9020% | 2,578 |
| Memoranda: | ||
| Average total assets | $113,935,000 | 4,651 |
| Average earning assets | $108,590,000 | 4,510 |
| Average equity | $14,385,000 | 4,028 |
| Average total loans | $65,741,000 | 4,781 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 3,531 |
| Cost of funding earning assets | 1.1488% | 4,856 |
| Net interest margin | 4.0671% | 2,719 |
| Noninterest income to average assets | 0.5710% | 3,667 |
| Noninterest expense to average assets | 2.3807% | 6,137 |
| Loan and lease loss provision to assets | 0.3514% | 4,021 |
| Net operating income to assets | 1.6221% | 597 |
| Return on assets (ROA) | 1.4627% | 892 |
| Pretax return on assets | 1.5400% | 1,274 |
| Return on Equity (ROE) | 11.6972% | 1,392 |
| Retained earnings to average equity (ytd only) | 2.7048% | 3,967 |
| Net charge-offs to loans | 0.1562% | 5,412 |
| Credit loss provision to net charge-offs | 388.3495% | 636 |
| Earnings coverage of net charge-offs (x) | 22.7573% | 926 |
| Efficiency ratio | 53.6209% | 6,841 |
| Assets per employee ($millions) | 5.1727% | 1,906 |
| Cash dividends to net income (ytd only)* | 76.8769% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,718 |
| Loan loss allowance to noncurrent loans | 214.9378% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 5,884 |
| Noncurrent loans to loans | 0.7280% | 5,593 |
| Net loans and leases to total assets | 57.2738% | 5,143 |
| Net loans and leases to deposits | 66.6064% | 5,321 |
| Net loans and leases to core deposits | 68.5129% | 5,607 |
| Total domestic deposits to total assets | 85.9885% | 3,362 |
| Equity capital to assets | 12.5001% | 1,634 |
| Core capital (leverage) ratio | 11.6796% | 1,737 |
| Tier 1 risk-based capital ratio | 15.8766% | 2,809 |
| Total risk-based capital ratio | 17.0928% | 2,782 |
| Memoranda: | ||
| Average total assets | $113,831,800 | 4,620 |
| Average earning assets | $108,283,600 | 4,507 |
| Average equity | $14,234,200 | 4,091 |
| Average total loans | $65,948,600 | 4,828 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 3,628 |
| Cost of funding earning assets | 1.1920% | 4,905 |
| Net interest margin | 4.0487% | 2,864 |
| Noninterest income to average assets | 0.5458% | 3,822 |
| Noninterest expense to average assets | 2.2850% | 6,373 |
| Loan and lease loss provision to assets | 0.3806% | 3,605 |
| Net operating income to assets | 1.6441% | 682 |
| Return on assets (ROA) | 1.5718% | 859 |
| Pretax return on assets | 1.6549% | 1,207 |
| Return on Equity (ROE) | 12.5683% | 1,369 |
| Retained earnings to average equity (ytd only) | 4.1395% | 3,560 |
| Net charge-offs to loans | 0.2773% | 4,283 |
| Credit loss provision to net charge-offs | 237.2263% | 1,422 |
| Earnings coverage of net charge-offs (x) | 13.1607% | 1,614 |
| Efficiency ratio | 51.9712% | 6,976 |
| Assets per employee ($millions) | 4.9105% | 2,307 |
| Cash dividends to net income (ytd only)* | 67.0640% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,592 |
| Loan loss allowance to noncurrent loans | 208.3146% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 5,685 |
| Noncurrent loans to loans | 0.6607% | 5,881 |
| Net loans and leases to total assets | 58.8160% | 5,133 |
| Net loans and leases to deposits | 68.3472% | 5,376 |
| Net loans and leases to core deposits | 70.1317% | 5,736 |
| Total domestic deposits to total assets | 86.0548% | 3,050 |
| Equity capital to assets | 13.1988% | 1,494 |
| Core capital (leverage) ratio | 11.9872% | 1,676 |
| Tier 1 risk-based capital ratio | 16.0426% | 2,741 |
| Total risk-based capital ratio | 17.1376% | 2,760 |
| Memoranda: | ||
| Average total assets | $113,840,000 | 4,679 |
| Average earning assets | $108,278,000 | 4,564 |
| Average equity | $14,236,500 | 4,151 |
| Average total loans | $65,882,500 | 4,909 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 3,812 |
| Cost of funding earning assets | 1.2452% | 4,865 |
| Net interest margin | 3.9824% | 3,099 |
| Noninterest income to average assets | 0.5537% | 3,681 |
| Noninterest expense to average assets | 2.2324% | 6,564 |
| Loan and lease loss provision to assets | 0.3767% | 3,455 |
| Net operating income to assets | 1.6484% | 647 |
| Return on assets (ROA) | 1.5402% | 886 |
| Pretax return on assets | 1.6191% | 1,253 |
| Return on Equity (ROE) | 12.5455% | 1,342 |
| Retained earnings to average equity (ytd only) | 4.6956% | 3,090 |
| Net charge-offs to loans | 0.2936% | 3,855 |
| Credit loss provision to net charge-offs | 223.9583% | 1,732 |
| Earnings coverage of net charge-offs (x) | 12.5417% | 1,671 |
| Efficiency ratio | 51.4124% | 7,124 |
| Assets per employee ($millions) | 4.8544% | 2,368 |
| Cash dividends to net income (ytd only)* | 62.5711% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,972 |
| Loan loss allowance to noncurrent loans | 209.2683% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 6,511 |
| Noncurrent loans to loans | 0.6179% | 6,013 |
| Net loans and leases to total assets | 58.6644% | 5,306 |
| Net loans and leases to deposits | 69.4805% | 5,353 |
| Net loans and leases to core deposits | 71.3484% | 5,740 |
| Total domestic deposits to total assets | 84.4329% | 3,902 |
| Equity capital to assets | 12.9250% | 1,601 |
| Core capital (leverage) ratio | 11.5588% | 1,876 |
| Tier 1 risk-based capital ratio | 16.1932% | 2,591 |
| Total risk-based capital ratio | 17.2247% | 2,647 |
| Memoranda: | ||
| Average total assets | $114,139,330 | 4,699 |
| Average earning assets | $108,577,000 | 4,592 |
| Average equity | $14,013,000 | 4,195 |
| Average total loans | $65,391,670 | 4,963 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 4,388 |
| Cost of funding earning assets | 1.2755% | 4,960 |
| Net interest margin | 3.8557% | 3,535 |
| Noninterest income to average assets | 0.5824% | 3,396 |
| Noninterest expense to average assets | 2.2846% | 6,424 |
| Loan and lease loss provision to assets | 0.3467% | 3,303 |
| Net operating income to assets | 1.5323% | 844 |
| Return on assets (ROA) | 1.5323% | 910 |
| Pretax return on assets | 1.6086% | 1,245 |
| Return on Equity (ROE) | 12.8079% | 1,294 |
| Retained earnings to average equity (ytd only) | 5.5636% | 2,836 |
| Net charge-offs to loans | 0.2527% | 3,434 |
| Credit loss provision to net charge-offs | 243.9024% | 1,575 |
| Earnings coverage of net charge-offs (x) | 13.7561% | 1,473 |
| Efficiency ratio | 53.8839% | 6,984 |
| Assets per employee ($millions) | 5.3512% | 1,822 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 5,257 |
| Loan loss allowance to noncurrent loans | 179.7297% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 6,535 |
| Noncurrent loans to loans | 0.6920% | 5,948 |
| Net loans and leases to total assets | 53.8194% | 6,048 |
| Net loans and leases to deposits | 63.1862% | 6,148 |
| Net loans and leases to core deposits | 64.9573% | 6,380 |
| Total domestic deposits to total assets | 85.1759% | 3,572 |
| Equity capital to assets | 11.8155% | 2,152 |
| Core capital (leverage) ratio | 11.4841% | 1,917 |
| Tier 1 risk-based capital ratio | 16.7945% | 2,347 |
| Total risk-based capital ratio | 17.7999% | 2,380 |
| Memoranda: | ||
| Average total assets | $115,383,000 | 4,732 |
| Average earning assets | $109,447,500 | 4,625 |
| Average equity | $13,804,000 | 4,283 |
| Average total loans | $64,908,500 | 5,047 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 4,458 |
| Cost of funding earning assets | 1.5998% | 5,027 |
| Net interest margin | 3.8460% | 3,503 |
| Noninterest income to average assets | 0.6045% | 3,592 |
| Noninterest expense to average assets | 2.4505% | 6,303 |
| Loan and lease loss provision to assets | 0.4765% | 3,978 |
| Net operating income to assets | 1.2418% | 1,152 |
| Return on assets (ROA) | 1.2799% | 1,129 |
| Pretax return on assets | 1.3472% | 1,566 |
| Return on Equity (ROE) | 10.0066% | 1,688 |
| Retained earnings to average equity (ytd only) | 2.3373% | 3,483 |
| Net charge-offs to loans | 0.3473% | 4,493 |
| Credit loss provision to net charge-offs | 237.2093% | 1,523 |
| Earnings coverage of net charge-offs (x) | 8.8791% | 1,872 |
| Efficiency ratio | 57.8773% | 6,782 |
| Assets per employee ($millions) | 5.1381% | 2,035 |
| Cash dividends to net income (ytd only)* | 76.6423% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,774 |
| Loan loss allowance to noncurrent loans | 147.8000% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 6,352 |
| Noncurrent loans to loans | 0.7615% | 5,744 |
| Net loans and leases to total assets | 57.4315% | 5,752 |
| Net loans and leases to deposits | 66.5682% | 5,990 |
| Net loans and leases to core deposits | 73.8928% | 6,539 |
| Total domestic deposits to total assets | 86.2746% | 2,876 |
| Equity capital to assets | 12.1179% | 1,963 |
| Core capital (leverage) ratio | 11.6894% | 1,819 |
| Tier 1 risk-based capital ratio | 16.4953% | 2,320 |
| Total risk-based capital ratio | 17.4230% | 2,378 |
| Memoranda: | ||
| Average total assets | $107,038,400 | 4,900 |
| Average earning assets | $101,014,200 | 4,810 |
| Average equity | $13,691,000 | 4,341 |
| Average total loans | $61,910,200 | 5,175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 4,559 |
| Cost of funding earning assets | 1.6735% | 5,043 |
| Net interest margin | 3.8001% | 3,657 |
| Noninterest income to average assets | 0.6165% | 3,577 |
| Noninterest expense to average assets | 2.5166% | 6,017 |
| Loan and lease loss provision to assets | 0.3916% | 3,968 |
| Net operating income to assets | 1.2345% | 1,389 |
| Return on assets (ROA) | 1.2861% | 1,324 |
| Pretax return on assets | 1.3543% | 1,814 |
| Return on Equity (ROE) | 9.9151% | 1,947 |
| Retained earnings to average equity (ytd only) | 2.6102% | 3,860 |
| Net charge-offs to loans | 0.1224% | 5,475 |
| Credit loss provision to net charge-offs | 553.5714% | 704 |
| Earnings coverage of net charge-offs (x) | 23.9123% | 1,103 |
| Efficiency ratio | 59.8019% | 6,444 |
| Assets per employee ($millions) | 4.8480% | 2,335 |
| Cash dividends to net income (ytd only)* | 73.6742% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,621 |
| Loan loss allowance to noncurrent loans | 96.8100% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 5,795 |
| Noncurrent loans to loans | 1.1526% | 5,015 |
| Net loans and leases to total assets | 57.9973% | 5,895 |
| Net loans and leases to deposits | 67.5538% | 6,166 |
| Net loans and leases to core deposits | 75.4888% | 6,643 |
| Total domestic deposits to total assets | 85.8535% | 2,775 |
| Equity capital to assets | 13.0571% | 1,674 |
| Core capital (leverage) ratio | 12.2698% | 1,671 |
| Tier 1 risk-based capital ratio | 17.2861% | 2,189 |
| Total risk-based capital ratio | 18.2080% | 2,235 |
| Memoranda: | ||
| Average total assets | $105,538,250 | 4,970 |
| Average earning assets | $99,748,250 | 4,872 |
| Average equity | $13,689,250 | 4,364 |
| Average total loans | $60,973,000 | 5,246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 4,666 |
| Cost of funding earning assets | 1.7328% | 5,105 |
| Net interest margin | 3.7615% | 3,709 |
| Noninterest income to average assets | 0.6618% | 3,252 |
| Noninterest expense to average assets | 2.4723% | 6,213 |
| Loan and lease loss provision to assets | 0.3994% | 3,523 |
| Net operating income to assets | 1.2780% | 1,284 |
| Return on assets (ROA) | 1.2780% | 1,368 |
| Pretax return on assets | 1.3445% | 1,895 |
| Return on Equity (ROE) | 9.8749% | 2,064 |
| Retained earnings to average equity (ytd only) | 6.9359% | 1,606 |
| Net charge-offs to loans | 0.0364% | 5,944 |
| Credit loss provision to net charge-offs | 1,909.0909% | 281 |
| Earnings coverage of net charge-offs (x) | 83.3636% | 460 |
| Efficiency ratio | 58.6378% | 6,746 |
| Assets per employee ($millions) | 4.7639% | 2,373 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 5,702 |
| Loan loss allowance to noncurrent loans | 124.3714% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 6,206 |
| Noncurrent loans to loans | 0.8720% | 5,475 |
| Net loans and leases to total assets | 55.9548% | 6,209 |
| Net loans and leases to deposits | 66.6038% | 6,338 |
| Net loans and leases to core deposits | 75.1268% | 6,724 |
| Total domestic deposits to total assets | 84.0114% | 3,765 |
| Equity capital to assets | 13.0851% | 1,663 |
| Core capital (leverage) ratio | 12.3038% | 1,697 |
| Tier 1 risk-based capital ratio | 18.3548% | 1,913 |
| Total risk-based capital ratio | 19.2427% | 1,959 |
| Memoranda: | ||
| Average total assets | $105,166,000 | 5,009 |
| Average earning assets | $99,375,000 | 4,906 |
| Average equity | $13,610,330 | 4,395 |
| Average total loans | $60,445,670 | 5,307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4916% | 4,960 |
| Cost of funding earning assets | 1.7766% | 5,231 |
| Net interest margin | 3.7150% | 3,830 |
| Noninterest income to average assets | 0.5961% | 3,577 |
| Noninterest expense to average assets | 2.4149% | 6,141 |
| Loan and lease loss provision to assets | 0.3417% | 3,279 |
| Net operating income to assets | 1.2606% | 1,475 |
| Return on assets (ROA) | 1.2606% | 1,578 |
| Pretax return on assets | 1.3252% | 2,194 |
| Return on Equity (ROE) | 9.7946% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.7946% | 1,253 |
| Net charge-offs to loans | 0.0262% | 5,167 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 109.7500% | 398 |
| Efficiency ratio | 59.1628% | 6,530 |
| Assets per employee ($millions) | 4.8252% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 6,859 |
| Loan loss allowance to noncurrent loans | 89.6785% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 5,805 |
| Noncurrent loans to loans | 0.9741% | 5,048 |
| Net loans and leases to total assets | 56.6530% | 6,148 |
| Net loans and leases to deposits | 66.8311% | 6,294 |
| Net loans and leases to core deposits | 74.6200% | 6,770 |
| Total domestic deposits to total assets | 84.7704% | 3,317 |
| Equity capital to assets | 12.9358% | 1,779 |
| Core capital (leverage) ratio | 12.5100% | 1,684 |
| Tier 1 risk-based capital ratio | 18.0113% | 2,050 |
| Total risk-based capital ratio | 18.7371% | 2,134 |
| Memoranda: | ||
| Average total assets | $105,346,000 | 5,026 |
| Average earning assets | $98,842,500 | 4,950 |
| Average equity | $13,558,500 | 4,433 |
| Average total loans | $61,025,000 | 5,320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1043% | 5,018 |
| Cost of funding earning assets | 2.1983% | 5,606 |
| Net interest margin | 3.9060% | 3,525 |
| Noninterest income to average assets | 0.5277% | 4,405 |
| Noninterest expense to average assets | 2.6395% | 5,493 |
| Loan and lease loss provision to assets | 0.2915% | 4,047 |
| Net operating income to assets | 1.2226% | 1,706 |
| Return on assets (ROA) | 1.2235% | 1,648 |
| Pretax return on assets | 1.2877% | 2,352 |
| Return on Equity (ROE) | 9.6588% | 2,376 |
| Retained earnings to average equity (ytd only) | 1.6034% | 4,253 |
| Net charge-offs to loans | 0.8603% | 1,455 |
| Credit loss provision to net charge-offs | 56.9260% | 6,267 |
| Earnings coverage of net charge-offs (x) | 3.0816% | 4,546 |
| Efficiency ratio | 62.5806% | 5,846 |
| Assets per employee ($millions) | 4.7517% | 2,235 |
| Cash dividends to net income (ytd only)* | 83.3995% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 7,364 |
| Loan loss allowance to noncurrent loans | 344.1860% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,085 |
| Noncurrent loans to loans | 0.2102% | 6,757 |
| Net loans and leases to total assets | 58.2913% | 6,163 |
| Net loans and leases to deposits | 70.1834% | 6,255 |
| Net loans and leases to core deposits | 77.5435% | 6,768 |
| Total domestic deposits to total assets | 83.0558% | 3,747 |
| Equity capital to assets | 12.8041% | 1,867 |
| Core capital (leverage) ratio | 12.3302% | 1,813 |
| Tier 1 risk-based capital ratio | 17.5836% | 2,154 |
| Total risk-based capital ratio | 18.1925% | 2,276 |
| Memoranda: | ||
| Average total assets | $102,899,400 | 4,964 |
| Average earning assets | $97,210,600 | 4,883 |
| Average equity | $13,034,800 | 4,564 |
| Average total loans | $61,258,600 | 5,211 |