Home > First Federal Savings Bank > Performance and Condition Ratios
First Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 2,561 |
| Cost of funding earning assets | 1.9584% | 982 |
| Net interest margin | 2.7979% | 3,670 |
| Noninterest income to average assets | 1.3700% | 435 |
| Noninterest expense to average assets | 3.2541% | 776 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.6064% | 3,430 |
| Return on assets (ROA) | 0.6229% | 3,365 |
| Pretax return on assets | 0.6219% | 3,597 |
| Return on Equity (ROE) | 7.4700% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.9080% | 1,918 |
| Net charge-offs to loans | 0.0087% | 2,333 |
| Credit loss provision to net charge-offs | 1,313.3333% | 324 |
| Earnings coverage of net charge-offs (x) | 96.0889% | 921 |
| Efficiency ratio | 82.2714% | 762 |
| Assets per employee ($millions) | 5.0935% | 3,564 |
| Cash dividends to net income (ytd only)* | 7.4720% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 2,947 |
| Loan loss allowance to noncurrent loans | 114.8185% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 583 |
| Noncurrent loans to loans | 0.9390% | 795 |
| Net loans and leases to total assets | 82.1000% | 424 |
| Net loans and leases to deposits | 105.9985% | 294 |
| Net loans and leases to core deposits | 135.3084% | 331 |
| Total domestic deposits to total assets | 77.4500% | 3,793 |
| Equity capital to assets | 8.3639% | 3,148 |
| Core capital (leverage) ratio | 8.8802% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1097% | 1,505 |
| Memoranda: | ||
| Average total assets | $616,630,000 | 1,446 |
| Average earning assets | $569,248,800 | 1,442 |
| Average equity | $51,447,800 | 1,571 |
| Average total loans | $515,861,000 | 1,199 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 2,515 |
| Cost of funding earning assets | 1.8329% | 956 |
| Net interest margin | 2.8459% | 3,650 |
| Noninterest income to average assets | 1.1400% | 533 |
| Noninterest expense to average assets | 3.2436% | 773 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4398% | 3,894 |
| Return on assets (ROA) | 0.4621% | 3,845 |
| Pretax return on assets | 0.4507% | 3,991 |
| Return on Equity (ROE) | 5.5400% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.7888% | 3,008 |
| Net charge-offs to loans | 0.0094% | 2,051 |
| Credit loss provision to net charge-offs | 1,180.5556% | 366 |
| Earnings coverage of net charge-offs (x) | 66.1667% | 1,150 |
| Efficiency ratio | 86.1504% | 510 |
| Assets per employee ($millions) | 4.8115% | 3,729 |
| Cash dividends to net income (ytd only)* | 13.5955% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,077 |
| Loan loss allowance to noncurrent loans | 112.3728% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 636 |
| Noncurrent loans to loans | 0.9422% | 874 |
| Net loans and leases to total assets | 83.4900% | 326 |
| Net loans and leases to deposits | 109.3605% | 213 |
| Net loans and leases to core deposits | 133.3626% | 303 |
| Total domestic deposits to total assets | 76.3400% | 3,988 |
| Equity capital to assets | 8.0437% | 3,025 |
| Core capital (leverage) ratio | 8.6887% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7484% | 1,649 |
| Memoranda: | ||
| Average total assets | $609,067,750 | 1,461 |
| Average earning assets | $562,006,750 | 1,457 |
| Average equity | $50,783,750 | 1,577 |
| Average total loans | $510,609,250 | 1,206 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 2,280 |
| Cost of funding earning assets | 1.6357% | 987 |
| Net interest margin | 3.0269% | 3,361 |
| Noninterest income to average assets | 1.1700% | 459 |
| Noninterest expense to average assets | 3.2393% | 752 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.5452% | 3,712 |
| Return on assets (ROA) | 0.5452% | 3,719 |
| Pretax return on assets | 0.6143% | 3,776 |
| Return on Equity (ROE) | 6.4600% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.3295% | 2,851 |
| Net charge-offs to loans | 0.0087% | 1,878 |
| Credit loss provision to net charge-offs | 1,568.1818% | 309 |
| Earnings coverage of net charge-offs (x) | 99.7273% | 937 |
| Efficiency ratio | 81.6309% | 733 |
| Assets per employee ($millions) | 4.8676% | 3,700 |
| Cash dividends to net income (ytd only)* | 17.4893% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,192 |
| Loan loss allowance to noncurrent loans | 105.7974% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 538 |
| Noncurrent loans to loans | 0.9923% | 764 |
| Net loans and leases to total assets | 84.8700% | 216 |
| Net loans and leases to deposits | 118.2874% | 106 |
| Net loans and leases to core deposits | 141.5486% | 203 |
| Total domestic deposits to total assets | 71.7500% | 4,303 |
| Equity capital to assets | 8.3226% | 3,006 |
| Core capital (leverage) ratio | 8.9393% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0968% | 1,854 |
| Memoranda: | ||
| Average total assets | $601,988,667 | 1,470 |
| Average earning assets | $556,810,667 | 1,476 |
| Average equity | $50,811,667 | 1,581 |
| Average total loans | $503,527,000 | 1,207 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 2,144 |
| Cost of funding earning assets | 1.3807% | 1,063 |
| Net interest margin | 3.1913% | 3,136 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 3.3084% | 692 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5179% | 3,851 |
| Return on assets (ROA) | 0.5179% | 3,811 |
| Pretax return on assets | 0.6547% | 3,748 |
| Return on Equity (ROE) | 6.0900% | 3,698 |
| Retained earnings to average equity (ytd only) | 4.8482% | 3,051 |
| Net charge-offs to loans | 0.0180% | 1,329 |
| Credit loss provision to net charge-offs | 172.7273% | 889 |
| Earnings coverage of net charge-offs (x) | 45.9091% | 1,132 |
| Efficiency ratio | 82.9450% | 649 |
| Assets per employee ($millions) | 4.5727% | 3,974 |
| Cash dividends to net income (ytd only)* | 20.4161% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,307 |
| Loan loss allowance to noncurrent loans | 107.0208% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 518 |
| Noncurrent loans to loans | 0.9785% | 754 |
| Net loans and leases to total assets | 82.3300% | 337 |
| Net loans and leases to deposits | 113.7104% | 129 |
| Net loans and leases to core deposits | 130.6160% | 267 |
| Total domestic deposits to total assets | 72.4000% | 4,345 |
| Equity capital to assets | 8.4489% | 2,933 |
| Core capital (leverage) ratio | 9.0580% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6924% | 1,727 |
| Memoranda: | ||
| Average total assets | $593,890,500 | 1,511 |
| Average earning assets | $548,989,500 | 1,522 |
| Average equity | $50,493,000 | 1,603 |
| Average total loans | $490,191,000 | 1,249 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 2,353 |
| Cost of funding earning assets | 0.4809% | 1,523 |
| Net interest margin | 3.2893% | 2,595 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 3.7173% | 411 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.3845% | 4,259 |
| Return on assets (ROA) | 0.3845% | 4,224 |
| Pretax return on assets | 0.3580% | 4,318 |
| Return on Equity (ROE) | 4.1800% | 4,132 |
| Retained earnings to average equity (ytd only) | 2.1612% | 3,945 |
| Net charge-offs to loans | 0.0215% | 1,644 |
| Credit loss provision to net charge-offs | 1,250.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 34.6818% | 1,592 |
| Efficiency ratio | 86.9114% | 390 |
| Assets per employee ($millions) | 4.2642% | 4,162 |
| Cash dividends to net income (ytd only)* | 48.3302% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,335 |
| Loan loss allowance to noncurrent loans | 87.7804% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 446 |
| Noncurrent loans to loans | 1.1466% | 618 |
| Net loans and leases to total assets | 81.0300% | 496 |
| Net loans and leases to deposits | 108.3938% | 188 |
| Net loans and leases to core deposits | 120.5478% | 362 |
| Total domestic deposits to total assets | 74.7600% | 4,327 |
| Equity capital to assets | 8.5616% | 2,665 |
| Core capital (leverage) ratio | 9.3511% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8129% | 1,687 |
| Memoranda: | ||
| Average total assets | $545,176,200 | 1,622 |
| Average earning assets | $498,407,800 | 1,634 |
| Average equity | $50,110,600 | 1,619 |
| Average total loans | $409,394,800 | 1,367 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5709% | 2,417 |
| Cost of funding earning assets | 0.3280% | 1,879 |
| Net interest margin | 3.2429% | 2,482 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 3.9357% | 342 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.2433% | 4,436 |
| Return on assets (ROA) | 0.2433% | 4,400 |
| Pretax return on assets | 0.1576% | 4,487 |
| Return on Equity (ROE) | 2.6000% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.5611% | 4,129 |
| Net charge-offs to loans | 0.0238% | 1,353 |
| Credit loss provision to net charge-offs | 714.2857% | 508 |
| Earnings coverage of net charge-offs (x) | 16.1857% | 1,821 |
| Efficiency ratio | 93.3109% | 246 |
| Assets per employee ($millions) | 3.9938% | 4,324 |
| Cash dividends to net income (ytd only)* | 39.9181% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 3,777 |
| Loan loss allowance to noncurrent loans | 80.9761% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 457 |
| Noncurrent loans to loans | 1.1454% | 646 |
| Net loans and leases to total assets | 81.4100% | 416 |
| Net loans and leases to deposits | 101.0545% | 325 |
| Net loans and leases to core deposits | 111.2571% | 432 |
| Total domestic deposits to total assets | 80.5700% | 4,046 |
| Equity capital to assets | 8.6862% | 2,418 |
| Core capital (leverage) ratio | 9.9062% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5066% | 1,874 |
| Memoranda: | ||
| Average total assets | $535,423,000 | 1,659 |
| Average earning assets | $488,235,750 | 1,669 |
| Average equity | $50,134,250 | 1,647 |
| Average total loans | $392,194,250 | 1,406 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 2,557 |
| Cost of funding earning assets | 0.3026% | 1,689 |
| Net interest margin | 3.0523% | 2,711 |
| Noninterest income to average assets | 1.4666% | 345 |
| Noninterest expense to average assets | 3.9451% | 291 |
| Loan and lease loss provision to assets | 0.0567% | 1,564 |
| Net operating income to assets | 0.2893% | 4,309 |
| Return on assets (ROA) | 0.2893% | 4,257 |
| Pretax return on assets | 0.2375% | 4,366 |
| Return on Equity (ROE) | 3.0135% | 4,212 |
| Retained earnings to average equity (ytd only) | 1.9893% | 3,756 |
| Net charge-offs to loans | 0.0059% | 1,785 |
| Credit loss provision to net charge-offs | 1,363.6364% | 328 |
| Earnings coverage of net charge-offs (x) | 70.7273% | 999 |
| Efficiency ratio | 93.0598% | 321 |
| Assets per employee ($millions) | 3.6860% | 4,496 |
| Cash dividends to net income (ytd only)* | 33.9869% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,770 |
| Loan loss allowance to noncurrent loans | 73.8332% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 423 |
| Noncurrent loans to loans | 1.2986% | 608 |
| Net loans and leases to total assets | 78.2917% | 538 |
| Net loans and leases to deposits | 92.6747% | 573 |
| Net loans and leases to core deposits | 100.4081% | 656 |
| Total domestic deposits to total assets | 84.4801% | 3,595 |
| Equity capital to assets | 9.5643% | 1,968 |
| Core capital (leverage) ratio | 9.7903% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1558% | 1,403 |
| Memoranda: | ||
| Average total assets | $528,852,667 | 1,681 |
| Average earning assets | $480,427,000 | 1,697 |
| Average equity | $50,772,333 | 1,663 |
| Average total loans | $370,861,667 | 1,473 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0643% | 3,071 |
| Cost of funding earning assets | 0.3039% | 1,626 |
| Net interest margin | 2.7604% | 3,251 |
| Noninterest income to average assets | 1.0408% | 632 |
| Noninterest expense to average assets | 4.1761% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4184% | 4,694 |
| Return on assets (ROA) | -0.4184% | 4,680 |
| Pretax return on assets | -0.6352% | 4,697 |
| Return on Equity (ROE) | -4.3505% | 4,693 |
| Retained earnings to average equity (ytd only) | -5.3641% | 4,430 |
| Net charge-offs to loans | 0.0160% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -60.5000% | 1,830 |
| Efficiency ratio | 117.9373% | 92 |
| Assets per employee ($millions) | 3.8308% | 4,461 |
| Cash dividends to net income (ytd only)* | -23.2975% | 4,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,560 |
| Loan loss allowance to noncurrent loans | 67.3963% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0749% | 447 |
| Noncurrent loans to loans | 1.5446% | 526 |
| Net loans and leases to total assets | 66.1771% | 1,391 |
| Net loans and leases to deposits | 78.9541% | 1,214 |
| Net loans and leases to core deposits | 86.1748% | 1,119 |
| Total domestic deposits to total assets | 83.8172% | 3,799 |
| Equity capital to assets | 9.3439% | 2,406 |
| Core capital (leverage) ratio | 9.6725% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7559% | 932 |
| Memoranda: | ||
| Average total assets | $533,415,500 | 1,676 |
| Average earning assets | $483,118,500 | 1,701 |
| Average equity | $51,304,500 | 1,702 |
| Average total loans | $350,871,500 | 1,520 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 2,746 |
| Cost of funding earning assets | 0.3813% | 1,673 |
| Net interest margin | 3.0900% | 2,941 |
| Noninterest income to average assets | 3.2844% | 167 |
| Noninterest expense to average assets | 4.8009% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0336% | 2,546 |
| Return on assets (ROA) | 1.0336% | 2,617 |
| Pretax return on assets | 1.2731% | 2,448 |
| Return on Equity (ROE) | 10.0479% | 2,503 |
| Retained earnings to average equity (ytd only) | 2.8627% | 3,698 |
| Net charge-offs to loans | 0.0062% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 309.2381% | 395 |
| Efficiency ratio | 79.0394% | 868 |
| Assets per employee ($millions) | 3.4626% | 4,596 |
| Cash dividends to net income (ytd only)* | 71.5099% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,255 |
| Loan loss allowance to noncurrent loans | 76.0761% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 597 |
| Noncurrent loans to loans | 1.4780% | 615 |
| Net loans and leases to total assets | 63.9122% | 1,711 |
| Net loans and leases to deposits | 77.0769% | 1,482 |
| Net loans and leases to core deposits | 84.3562% | 1,304 |
| Total domestic deposits to total assets | 82.9201% | 3,827 |
| Equity capital to assets | 9.9034% | 2,748 |
| Core capital (leverage) ratio | 9.1333% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9542% | 899 |
| Memoranda: | ||
| Average total assets | $510,074,000 | 1,676 |
| Average earning assets | $460,488,400 | 1,713 |
| Average equity | $52,468,800 | 1,690 |
| Average total loans | $336,997,800 | 1,565 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 2,693 |
| Cost of funding earning assets | 0.3960% | 1,724 |
| Net interest margin | 3.1542% | 2,881 |
| Noninterest income to average assets | 3.5561% | 167 |
| Noninterest expense to average assets | 4.8610% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2387% | 2,026 |
| Return on assets (ROA) | 1.2387% | 2,089 |
| Pretax return on assets | 1.5422% | 1,872 |
| Return on Equity (ROE) | 11.9270% | 2,074 |
| Retained earnings to average equity (ytd only) | 10.9392% | 1,074 |
| Net charge-offs to loans | 0.0269% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 86.2206% | 941 |
| Efficiency ratio | 75.9150% | 1,042 |
| Assets per employee ($millions) | 3.4824% | 4,649 |
| Cash dividends to net income (ytd only)* | 8.2820% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,311 |
| Loan loss allowance to noncurrent loans | 75.6348% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 690 |
| Noncurrent loans to loans | 1.4888% | 707 |
| Net loans and leases to total assets | 63.9382% | 1,783 |
| Net loans and leases to deposits | 78.2821% | 1,459 |
| Net loans and leases to core deposits | 85.8141% | 1,306 |
| Total domestic deposits to total assets | 81.6767% | 3,984 |
| Equity capital to assets | 10.5935% | 2,372 |
| Core capital (leverage) ratio | 9.7583% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2077% | 781 |
| Memoranda: | ||
| Average total assets | $506,879,250 | 1,702 |
| Average earning assets | $457,536,250 | 1,738 |
| Average equity | $52,641,000 | 1,709 |
| Average total loans | $336,755,500 | 1,597 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 2,406 |
| Cost of funding earning assets | 0.4192% | 1,743 |
| Net interest margin | 3.2565% | 2,592 |
| Noninterest income to average assets | 3.8362% | 147 |
| Noninterest expense to average assets | 4.9774% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4316% | 1,481 |
| Return on assets (ROA) | 1.4316% | 1,540 |
| Pretax return on assets | 1.7935% | 1,254 |
| Return on Equity (ROE) | 13.8799% | 1,447 |
| Retained earnings to average equity (ytd only) | 12.8797% | 743 |
| Net charge-offs to loans | -0.0006% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5115% | 1,286 |
| Assets per employee ($millions) | 3.4471% | 4,683 |
| Cash dividends to net income (ytd only)* | 7.2062% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,054 |
| Loan loss allowance to noncurrent loans | 74.4014% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 748 |
| Noncurrent loans to loans | 1.5844% | 700 |
| Net loans and leases to total assets | 62.3816% | 2,135 |
| Net loans and leases to deposits | 76.2352% | 1,795 |
| Net loans and leases to core deposits | 83.7035% | 1,590 |
| Total domestic deposits to total assets | 81.8279% | 3,954 |
| Equity capital to assets | 10.4411% | 2,448 |
| Core capital (leverage) ratio | 9.6543% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1788% | 788 |
| Memoranda: | ||
| Average total assets | $504,041,333 | 1,701 |
| Average earning assets | $454,236,667 | 1,744 |
| Average equity | $51,988,667 | 1,717 |
| Average total loans | $337,912,000 | 1,602 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 2,504 |
| Cost of funding earning assets | 0.4399% | 1,802 |
| Net interest margin | 3.2075% | 2,675 |
| Noninterest income to average assets | 4.2023% | 136 |
| Noninterest expense to average assets | 5.0852% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5319% | 1,260 |
| Return on assets (ROA) | 1.5319% | 1,321 |
| Pretax return on assets | 2.0030% | 944 |
| Return on Equity (ROE) | 14.9464% | 1,225 |
| Retained earnings to average equity (ytd only) | 13.9302% | 761 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7418% | 1,524 |
| Assets per employee ($millions) | 3.5927% | 4,659 |
| Cash dividends to net income (ytd only)* | 6.7992% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,350 |
| Loan loss allowance to noncurrent loans | 71.1943% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0303% | 791 |
| Noncurrent loans to loans | 1.5684% | 778 |
| Net loans and leases to total assets | 64.9544% | 1,927 |
| Net loans and leases to deposits | 80.4848% | 1,479 |
| Net loans and leases to core deposits | 88.4152% | 1,334 |
| Total domestic deposits to total assets | 80.7040% | 4,102 |
| Equity capital to assets | 9.9935% | 2,714 |
| Core capital (leverage) ratio | 9.8318% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7386% | 1,116 |
| Memoranda: | ||
| Average total assets | $499,254,000 | 1,700 |
| Average earning assets | $449,198,000 | 1,746 |
| Average equity | $51,169,500 | 1,731 |
| Average total loans | $344,756,000 | 1,580 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 1,625 |
| Cost of funding earning assets | 0.7761% | 1,318 |
| Net interest margin | 3.6114% | 2,103 |
| Noninterest income to average assets | 5.1723% | 113 |
| Noninterest expense to average assets | 5.5360% | 154 |
| Loan and lease loss provision to assets | 0.3431% | 1,021 |
| Net operating income to assets | 1.9439% | 292 |
| Return on assets (ROA) | 1.9439% | 317 |
| Pretax return on assets | 2.5017% | 187 |
| Return on Equity (ROE) | 18.1400% | 325 |
| Retained earnings to average equity (ytd only) | 6.9526% | 1,414 |
| Net charge-offs to loans | -0.0810% | 4,764 |
| Credit loss provision to net charge-offs | -551.7241% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0551% | 2,524 |
| Assets per employee ($millions) | 3.2710% | 4,728 |
| Cash dividends to net income (ytd only)* | 61.6726% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,462 |
| Loan loss allowance to noncurrent loans | 66.7890% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 723 |
| Noncurrent loans to loans | 1.6472% | 798 |
| Net loans and leases to total assets | 71.9262% | 1,296 |
| Net loans and leases to deposits | 89.4498% | 966 |
| Net loans and leases to core deposits | 97.4465% | 1,037 |
| Total domestic deposits to total assets | 80.4097% | 3,977 |
| Equity capital to assets | 10.5282% | 2,647 |
| Core capital (leverage) ratio | 9.7316% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0079% | 768 |
| Memoranda: | ||
| Average total assets | $466,274,800 | 1,646 |
| Average earning assets | $414,267,800 | 1,720 |
| Average equity | $49,967,000 | 1,691 |
| Average total loans | $357,830,400 | 1,487 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,449 |
| Cost of funding earning assets | 0.8351% | 1,335 |
| Net interest margin | 3.7160% | 1,890 |
| Noninterest income to average assets | 5.3490% | 108 |
| Noninterest expense to average assets | 5.5466% | 151 |
| Loan and lease loss provision to assets | 0.4028% | 870 |
| Net operating income to assets | 2.0889% | 246 |
| Return on assets (ROA) | 2.0889% | 266 |
| Pretax return on assets | 2.6948% | 160 |
| Return on Equity (ROE) | 19.4053% | 267 |
| Retained earnings to average equity (ytd only) | 18.3630% | 104 |
| Net charge-offs to loans | 0.0170% | 2,530 |
| Credit loss provision to net charge-offs | 3,043.4783% | 344 |
| Earnings coverage of net charge-offs (x) | 234.0652% | 440 |
| Efficiency ratio | 64.1661% | 2,707 |
| Assets per employee ($millions) | 3.4344% | 4,688 |
| Cash dividends to net income (ytd only)* | 5.3712% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 4,019 |
| Loan loss allowance to noncurrent loans | 55.3123% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 800 |
| Noncurrent loans to loans | 1.6571% | 835 |
| Net loans and leases to total assets | 73.3310% | 1,451 |
| Net loans and leases to deposits | 94.8237% | 859 |
| Net loans and leases to core deposits | 103.5898% | 950 |
| Total domestic deposits to total assets | 77.3341% | 4,282 |
| Equity capital to assets | 11.0842% | 2,338 |
| Core capital (leverage) ratio | 10.4429% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6823% | 710 |
| Memoranda: | ||
| Average total assets | $463,451,750 | 1,640 |
| Average earning assets | $410,972,750 | 1,706 |
| Average equity | $49,889,000 | 1,688 |
| Average total loans | $360,458,750 | 1,472 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 1,358 |
| Cost of funding earning assets | 0.9009% | 1,371 |
| Net interest margin | 3.8209% | 1,774 |
| Noninterest income to average assets | 4.9851% | 104 |
| Noninterest expense to average assets | 5.4898% | 159 |
| Loan and lease loss provision to assets | 0.3505% | 1,205 |
| Net operating income to assets | 1.9474% | 369 |
| Return on assets (ROA) | 1.9474% | 411 |
| Pretax return on assets | 2.5173% | 209 |
| Return on Equity (ROE) | 18.2821% | 345 |
| Retained earnings to average equity (ytd only) | 17.2128% | 133 |
| Net charge-offs to loans | 0.0238% | 2,238 |
| Credit loss provision to net charge-offs | 1,860.4651% | 511 |
| Earnings coverage of net charge-offs (x) | 152.2326% | 528 |
| Efficiency ratio | 65.6864% | 2,565 |
| Assets per employee ($millions) | 3.2573% | 4,765 |
| Cash dividends to net income (ytd only)* | 5.8493% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7078% | 4,549 |
| Loan loss allowance to noncurrent loans | 42.6149% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.2915% | 811 |
| Noncurrent loans to loans | 1.6609% | 876 |
| Net loans and leases to total assets | 77.2047% | 963 |
| Net loans and leases to deposits | 99.2587% | 596 |
| Net loans and leases to core deposits | 108.7843% | 780 |
| Total domestic deposits to total assets | 77.7812% | 4,216 |
| Equity capital to assets | 10.4359% | 2,806 |
| Core capital (leverage) ratio | 10.2425% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6136% | 960 |
| Memoranda: | ||
| Average total assets | $456,517,000 | 1,636 |
| Average earning assets | $402,941,667 | 1,704 |
| Average equity | $48,626,667 | 1,714 |
| Average total loans | $361,146,667 | 1,455 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 1,475 |
| Cost of funding earning assets | 1.0007% | 1,418 |
| Net interest margin | 3.7775% | 2,060 |
| Noninterest income to average assets | 3.6451% | 123 |
| Noninterest expense to average assets | 5.1862% | 204 |
| Loan and lease loss provision to assets | 0.1816% | 1,644 |
| Net operating income to assets | 1.2813% | 1,293 |
| Return on assets (ROA) | 1.2813% | 1,388 |
| Pretax return on assets | 1.5955% | 1,065 |
| Return on Equity (ROE) | 11.8958% | 1,128 |
| Retained earnings to average equity (ytd only) | 10.7998% | 596 |
| Net charge-offs to loans | 0.0182% | 2,005 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 122.3125% | 506 |
| Efficiency ratio | 74.4784% | 1,750 |
| Assets per employee ($millions) | 3.1242% | 4,738 |
| Cash dividends to net income (ytd only)* | 9.2133% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 4,773 |
| Loan loss allowance to noncurrent loans | 31.3705% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 683 |
| Noncurrent loans to loans | 1.8792% | 784 |
| Net loans and leases to total assets | 80.3911% | 655 |
| Net loans and leases to deposits | 102.2055% | 443 |
| Net loans and leases to core deposits | 110.8319% | 810 |
| Total domestic deposits to total assets | 78.6563% | 4,109 |
| Equity capital to assets | 10.8390% | 3,001 |
| Core capital (leverage) ratio | 10.4720% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7796% | 1,015 |
| Memoranda: | ||
| Average total assets | $440,480,000 | 1,648 |
| Average earning assets | $386,922,500 | 1,715 |
| Average equity | $47,445,500 | 1,745 |
| Average total loans | $351,768,000 | 1,446 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 1,229 |
| Cost of funding earning assets | 1.1541% | 1,147 |
| Net interest margin | 3.9387% | 2,036 |
| Noninterest income to average assets | 3.0186% | 149 |
| Noninterest expense to average assets | 5.2217% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0471% | 2,663 |
| Return on assets (ROA) | 1.0471% | 2,765 |
| Pretax return on assets | 1.2637% | 2,630 |
| Return on Equity (ROE) | 9.6274% | 2,459 |
| Retained earnings to average equity (ytd only) | 3.2645% | 3,380 |
| Net charge-offs to loans | 0.0371% | 2,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,271 |
| Efficiency ratio | 80.5146% | 902 |
| Assets per employee ($millions) | 3.0582% | 4,795 |
| Cash dividends to net income (ytd only)* | 66.0920% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 4,805 |
| Loan loss allowance to noncurrent loans | 33.2816% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 806 |
| Noncurrent loans to loans | 1.6828% | 820 |
| Net loans and leases to total assets | 78.3964% | 1,011 |
| Net loans and leases to deposits | 98.9106% | 678 |
| Net loans and leases to core deposits | 107.4457% | 1,012 |
| Total domestic deposits to total assets | 79.2598% | 4,132 |
| Equity capital to assets | 10.7027% | 3,253 |
| Core capital (leverage) ratio | 10.1049% | 3,408 |
| Tier 1 risk-based capital ratio | 17.3528% | 1,938 |
| Total risk-based capital ratio | 18.0934% | 2,048 |
| Memoranda: | ||
| Average total assets | $432,059,000 | 1,621 |
| Average earning assets | $380,307,400 | 1,706 |
| Average equity | $46,990,800 | 1,686 |
| Average total loans | $350,129,800 | 1,420 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 1,064 |
| Cost of funding earning assets | 1.1790% | 1,083 |
| Net interest margin | 4.0105% | 1,901 |
| Noninterest income to average assets | 3.2216% | 144 |
| Noninterest expense to average assets | 5.2188% | 182 |
| Loan and lease loss provision to assets | 0.0279% | 3,348 |
| Net operating income to assets | 1.2366% | 2,072 |
| Return on assets (ROA) | 1.2366% | 2,147 |
| Pretax return on assets | 1.5087% | 1,928 |
| Return on Equity (ROE) | 11.3241% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.2186% | 704 |
| Net charge-offs to loans | 0.0076% | 3,108 |
| Credit loss provision to net charge-offs | 450.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 248.1627% | 375 |
| Efficiency ratio | 77.2544% | 1,185 |
| Assets per employee ($millions) | 3.0153% | 4,883 |
| Cash dividends to net income (ytd only)* | 9.7623% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 4,764 |
| Loan loss allowance to noncurrent loans | 35.9784% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 826 |
| Noncurrent loans to loans | 1.7576% | 820 |
| Net loans and leases to total assets | 78.7619% | 1,026 |
| Net loans and leases to deposits | 99.0253% | 718 |
| Net loans and leases to core deposits | 108.0584% | 1,055 |
| Total domestic deposits to total assets | 79.5372% | 4,082 |
| Equity capital to assets | 11.4960% | 2,661 |
| Core capital (leverage) ratio | 10.5980% | 3,009 |
| Tier 1 risk-based capital ratio | 18.7800% | 1,616 |
| Total risk-based capital ratio | 19.6245% | 1,686 |
| Memoranda: | ||
| Average total assets | $430,743,750 | 1,635 |
| Average earning assets | $379,523,500 | 1,722 |
| Average equity | $47,037,250 | 1,686 |
| Average total loans | $351,468,750 | 1,422 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 1,156 |
| Cost of funding earning assets | 1.1920% | 1,017 |
| Net interest margin | 3.9353% | 2,136 |
| Noninterest income to average assets | 3.0268% | 151 |
| Noninterest expense to average assets | 5.0725% | 212 |
| Loan and lease loss provision to assets | 0.0277% | 3,265 |
| Net operating income to assets | 1.1780% | 2,233 |
| Return on assets (ROA) | 1.1780% | 2,306 |
| Pretax return on assets | 1.3943% | 2,226 |
| Return on Equity (ROE) | 10.9770% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.8569% | 802 |
| Net charge-offs to loans | 0.0079% | 2,864 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 219.7143% | 366 |
| Efficiency ratio | 78.1036% | 1,134 |
| Assets per employee ($millions) | 2.9947% | 4,915 |
| Cash dividends to net income (ytd only)* | 10.2041% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6121% | 4,853 |
| Loan loss allowance to noncurrent loans | 35.1753% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 802 |
| Noncurrent loans to loans | 1.7402% | 867 |
| Net loans and leases to total assets | 80.4472% | 813 |
| Net loans and leases to deposits | 103.4898% | 448 |
| Net loans and leases to core deposits | 113.1698% | 812 |
| Total domestic deposits to total assets | 77.7345% | 4,446 |
| Equity capital to assets | 11.1838% | 2,878 |
| Core capital (leverage) ratio | 10.1767% | 3,411 |
| Tier 1 risk-based capital ratio | 17.9927% | 1,811 |
| Total risk-based capital ratio | 18.8158% | 1,879 |
| Memoranda: | ||
| Average total assets | $432,606,330 | 1,625 |
| Average earning assets | $381,220,000 | 1,723 |
| Average equity | $46,424,330 | 1,700 |
| Average total loans | $356,294,330 | 1,412 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 1,180 |
| Cost of funding earning assets | 1.2175% | 856 |
| Net interest margin | 3.8468% | 2,356 |
| Noninterest income to average assets | 3.1218% | 134 |
| Noninterest expense to average assets | 4.9683% | 209 |
| Loan and lease loss provision to assets | 0.0275% | 3,058 |
| Net operating income to assets | 1.1937% | 2,083 |
| Return on assets (ROA) | 1.1937% | 2,134 |
| Pretax return on assets | 1.5210% | 1,699 |
| Return on Equity (ROE) | 11.3570% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.2231% | 983 |
| Net charge-offs to loans | 0.0221% | 2,010 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 84.4500% | 735 |
| Efficiency ratio | 76.2380% | 1,476 |
| Assets per employee ($millions) | 3.1141% | 4,904 |
| Cash dividends to net income (ytd only)* | 9.9846% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 4,929 |
| Loan loss allowance to noncurrent loans | 34.4363% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3994% | 898 |
| Noncurrent loans to loans | 1.7536% | 881 |
| Net loans and leases to total assets | 79.3220% | 937 |
| Net loans and leases to deposits | 101.3546% | 539 |
| Net loans and leases to core deposits | 111.4484% | 861 |
| Total domestic deposits to total assets | 78.2619% | 4,473 |
| Equity capital to assets | 10.8071% | 3,041 |
| Core capital (leverage) ratio | 9.5592% | 4,068 |
| Tier 1 risk-based capital ratio | 17.5148% | 1,934 |
| Total risk-based capital ratio | 18.3216% | 2,031 |
| Memoranda: | ||
| Average total assets | $436,285,000 | 1,611 |
| Average earning assets | $385,045,500 | 1,711 |
| Average equity | $45,857,000 | 1,710 |
| Average total loans | $362,337,500 | 1,398 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,658 |
| Cost of funding earning assets | 0.9383% | 970 |
| Net interest margin | 3.8174% | 2,603 |
| Noninterest income to average assets | 2.0682% | 255 |
| Noninterest expense to average assets | 4.8433% | 229 |
| Loan and lease loss provision to assets | 0.0547% | 3,075 |
| Net operating income to assets | 0.4331% | 4,801 |
| Return on assets (ROA) | 0.4331% | 4,797 |
| Pretax return on assets | 0.4817% | 4,826 |
| Return on Equity (ROE) | 4.0375% | 4,702 |
| Retained earnings to average equity (ytd only) | 1.4434% | 4,555 |
| Net charge-offs to loans | 0.1094% | 1,652 |
| Credit loss provision to net charge-offs | 62.5000% | 3,072 |
| Earnings coverage of net charge-offs (x) | 6.1277% | 3,123 |
| Efficiency ratio | 90.0296% | 343 |
| Assets per employee ($millions) | 3.0967% | 4,928 |
| Cash dividends to net income (ytd only)* | 64.2504% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5399% | 5,075 |
| Loan loss allowance to noncurrent loans | 40.0116% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 1,121 |
| Noncurrent loans to loans | 1.3494% | 1,159 |
| Net loans and leases to total assets | 85.7361% | 250 |
| Net loans and leases to deposits | 114.3641% | 164 |
| Net loans and leases to core deposits | 125.4843% | 408 |
| Total domestic deposits to total assets | 74.9677% | 4,873 |
| Equity capital to assets | 10.2233% | 3,448 |
| Core capital (leverage) ratio | 9.1489% | 4,509 |
| Tier 1 risk-based capital ratio | 15.9348% | 2,431 |
| Total risk-based capital ratio | 16.6814% | 2,567 |
| Memoranda: | ||
| Average total assets | $420,414,000 | 1,629 |
| Average earning assets | $364,695,800 | 1,748 |
| Average equity | $45,102,000 | 1,661 |
| Average total loans | $336,417,000 | 1,454 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,889 |
| Cost of funding earning assets | 0.8421% | 1,143 |
| Net interest margin | 3.7920% | 2,676 |
| Noninterest income to average assets | 2.0819% | 258 |
| Noninterest expense to average assets | 4.7860% | 236 |
| Loan and lease loss provision to assets | 0.0418% | 3,158 |
| Net operating income to assets | 0.4699% | 4,821 |
| Return on assets (ROA) | 0.4699% | 4,828 |
| Pretax return on assets | 0.5265% | 4,862 |
| Return on Equity (ROE) | 4.3260% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.1720% | 4,160 |
| Net charge-offs to loans | 0.0964% | 1,530 |
| Credit loss provision to net charge-offs | 55.3191% | 2,790 |
| Earnings coverage of net charge-offs (x) | 7.5233% | 2,799 |
| Efficiency ratio | 89.3865% | 347 |
| Assets per employee ($millions) | 3.0084% | 5,033 |
| Cash dividends to net income (ytd only)* | 26.6760% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 5,071 |
| Loan loss allowance to noncurrent loans | 40.7790% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1804% | 1,190 |
| Noncurrent loans to loans | 1.4276% | 1,160 |
| Net loans and leases to total assets | 81.9771% | 721 |
| Net loans and leases to deposits | 112.6662% | 220 |
| Net loans and leases to core deposits | 122.9146% | 494 |
| Total domestic deposits to total assets | 72.7611% | 5,077 |
| Equity capital to assets | 10.4743% | 3,170 |
| Core capital (leverage) ratio | 9.6655% | 3,982 |
| Tier 1 risk-based capital ratio | 16.9208% | 2,130 |
| Total risk-based capital ratio | 17.7189% | 2,225 |
| Memoranda: | ||
| Average total assets | $414,811,750 | 1,656 |
| Average earning assets | $357,973,000 | 1,781 |
| Average equity | $45,059,750 | 1,668 |
| Average total loans | $325,091,250 | 1,507 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 2,132 |
| Cost of funding earning assets | 0.7452% | 1,391 |
| Net interest margin | 3.7413% | 2,784 |
| Noninterest income to average assets | 2.1223% | 257 |
| Noninterest expense to average assets | 4.7533% | 246 |
| Loan and lease loss provision to assets | 0.0294% | 3,324 |
| Net operating income to assets | 0.4837% | 4,783 |
| Return on assets (ROA) | 0.4837% | 4,788 |
| Pretax return on assets | 0.5392% | 4,837 |
| Return on Equity (ROE) | 4.3969% | 4,721 |
| Retained earnings to average equity (ytd only) | 3.2375% | 3,950 |
| Net charge-offs to loans | 0.0861% | 1,477 |
| Credit loss provision to net charge-offs | 44.4444% | 2,530 |
| Earnings coverage of net charge-offs (x) | 8.5852% | 2,460 |
| Efficiency ratio | 89.3160% | 399 |
| Assets per employee ($millions) | 3.0694% | 5,051 |
| Cash dividends to net income (ytd only)* | 26.3692% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,049 |
| Loan loss allowance to noncurrent loans | 36.6523% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 983 |
| Noncurrent loans to loans | 1.7260% | 923 |
| Net loans and leases to total assets | 77.6368% | 1,372 |
| Net loans and leases to deposits | 105.1819% | 474 |
| Net loans and leases to core deposits | 114.5770% | 767 |
| Total domestic deposits to total assets | 73.8119% | 5,063 |
| Equity capital to assets | 10.5526% | 3,071 |
| Core capital (leverage) ratio | 10.3296% | 3,210 |
| Tier 1 risk-based capital ratio | 17.3588% | 1,980 |
| Total risk-based capital ratio | 18.1975% | 2,061 |
| Memoranda: | ||
| Average total assets | $407,676,330 | 1,692 |
| Average earning assets | $348,646,330 | 1,822 |
| Average equity | $44,849,330 | 1,677 |
| Average total loans | $313,557,330 | 1,544 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,128 |
| Cost of funding earning assets | 0.7243% | 1,319 |
| Net interest margin | 3.6958% | 2,818 |
| Noninterest income to average assets | 1.6498% | 360 |
| Noninterest expense to average assets | 4.7053% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0968% | 5,332 |
| Return on assets (ROA) | 0.0968% | 5,328 |
| Pretax return on assets | 0.0524% | 5,356 |
| Return on Equity (ROE) | 0.8610% | 5,319 |
| Retained earnings to average equity (ytd only) | -0.3049% | 4,834 |
| Net charge-offs to loans | 0.0939% | 1,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.7324% | 2,619 |
| Efficiency ratio | 98.8978% | 190 |
| Assets per employee ($millions) | 2.8504% | 5,253 |
| Cash dividends to net income (ytd only)* | 135.4167% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 5,060 |
| Loan loss allowance to noncurrent loans | 38.3285% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 948 |
| Noncurrent loans to loans | 1.7824% | 951 |
| Net loans and leases to total assets | 78.6466% | 1,140 |
| Net loans and leases to deposits | 97.6870% | 889 |
| Net loans and leases to core deposits | 104.1447% | 1,368 |
| Total domestic deposits to total assets | 80.5087% | 4,320 |
| Equity capital to assets | 11.3346% | 2,268 |
| Core capital (leverage) ratio | 10.4626% | 2,992 |
| Tier 1 risk-based capital ratio | 18.0503% | 1,824 |
| Total risk-based capital ratio | 18.9437% | 1,872 |
| Memoranda: | ||
| Average total assets | $396,657,500 | 1,754 |
| Average earning assets | $333,565,000 | 1,907 |
| Average equity | $44,601,000 | 1,691 |
| Average total loans | $302,466,000 | 1,591 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,418 |
| Cost of funding earning assets | 0.5636% | 1,865 |
| Net interest margin | 4.0397% | 1,625 |
| Noninterest income to average assets | 2.8360% | 187 |
| Noninterest expense to average assets | 5.2094% | 199 |
| Loan and lease loss provision to assets | 0.0105% | 4,070 |
| Net operating income to assets | 0.7682% | 3,311 |
| Return on assets (ROA) | 0.7682% | 3,350 |
| Pretax return on assets | 0.9128% | 3,869 |
| Return on Equity (ROE) | 6.6290% | 3,463 |
| Retained earnings to average equity (ytd only) | 3.0887% | 3,450 |
| Net charge-offs to loans | 0.0690% | 2,464 |
| Credit loss provision to net charge-offs | 19.7044% | 3,612 |
| Earnings coverage of net charge-offs (x) | 17.2956% | 2,139 |
| Efficiency ratio | 84.9443% | 705 |
| Assets per employee ($millions) | 2.8166% | 5,308 |
| Cash dividends to net income (ytd only)* | 53.4064% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 4,954 |
| Loan loss allowance to noncurrent loans | 41.3191% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 927 |
| Noncurrent loans to loans | 1.8137% | 883 |
| Net loans and leases to total assets | 72.8184% | 2,119 |
| Net loans and leases to deposits | 99.1651% | 801 |
| Net loans and leases to core deposits | 103.1884% | 1,474 |
| Total domestic deposits to total assets | 73.4314% | 5,233 |
| Equity capital to assets | 11.1553% | 2,482 |
| Core capital (leverage) ratio | 10.4348% | 2,923 |
| Tier 1 risk-based capital ratio | 18.5441% | 1,636 |
| Total risk-based capital ratio | 19.4960% | 1,678 |
| Memoranda: | ||
| Average total assets | $380,258,200 | 1,789 |
| Average earning assets | $310,316,800 | 1,990 |
| Average equity | $44,064,200 | 1,683 |
| Average total loans | $294,104,200 | 1,594 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,452 |
| Cost of funding earning assets | 0.5396% | 1,960 |
| Net interest margin | 4.0294% | 1,606 |
| Noninterest income to average assets | 2.9338% | 188 |
| Noninterest expense to average assets | 5.1729% | 202 |
| Loan and lease loss provision to assets | 0.0142% | 3,859 |
| Net operating income to assets | 0.6753% | 4,098 |
| Return on assets (ROA) | 0.6753% | 4,156 |
| Pretax return on assets | 1.0359% | 3,543 |
| Return on Equity (ROE) | 5.7701% | 4,219 |
| Retained earnings to average equity (ytd only) | 4.5864% | 3,154 |
| Net charge-offs to loans | 0.0313% | 2,804 |
| Credit loss provision to net charge-offs | 57.9710% | 2,830 |
| Earnings coverage of net charge-offs (x) | 42.8395% | 1,237 |
| Efficiency ratio | 83.1259% | 828 |
| Assets per employee ($millions) | 2.6672% | 5,454 |
| Cash dividends to net income (ytd only)* | 20.5157% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 5,025 |
| Loan loss allowance to noncurrent loans | 41.3726% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.5121% | 1,003 |
| Noncurrent loans to loans | 1.8080% | 988 |
| Net loans and leases to total assets | 81.7340% | 737 |
| Net loans and leases to deposits | 108.7233% | 316 |
| Net loans and leases to core deposits | 111.9916% | 925 |
| Total domestic deposits to total assets | 75.1762% | 5,112 |
| Equity capital to assets | 11.8209% | 2,095 |
| Core capital (leverage) ratio | 10.8779% | 2,573 |
| Tier 1 risk-based capital ratio | 18.4996% | 1,729 |
| Total risk-based capital ratio | 19.4969% | 1,753 |
| Memoranda: | ||
| Average total assets | $375,334,250 | 1,817 |
| Average earning assets | $306,372,250 | 2,021 |
| Average equity | $43,926,250 | 1,704 |
| Average total loans | $294,270,500 | 1,605 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,562 |
| Cost of funding earning assets | 0.5288% | 1,931 |
| Net interest margin | 3.9546% | 1,759 |
| Noninterest income to average assets | 2.7632% | 201 |
| Noninterest expense to average assets | 5.0176% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6157% | 4,232 |
| Return on assets (ROA) | 0.6157% | 4,278 |
| Pretax return on assets | 0.9551% | 3,746 |
| Return on Equity (ROE) | 5.2790% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.0875% | 3,277 |
| Net charge-offs to loans | 0.0208% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 59.5667% | 955 |
| Efficiency ratio | 84.0089% | 843 |
| Assets per employee ($millions) | 2.6201% | 5,503 |
| Cash dividends to net income (ytd only)* | 22.5694% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,978 |
| Loan loss allowance to noncurrent loans | 43.4750% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4904% | 1,029 |
| Noncurrent loans to loans | 1.8146% | 990 |
| Net loans and leases to total assets | 78.2729% | 1,204 |
| Net loans and leases to deposits | 102.4109% | 586 |
| Net loans and leases to core deposits | 105.8725% | 1,242 |
| Total domestic deposits to total assets | 76.4302% | 5,037 |
| Equity capital to assets | 11.7838% | 2,088 |
| Core capital (leverage) ratio | 11.0913% | 2,321 |
| Tier 1 risk-based capital ratio | 18.5234% | 1,711 |
| Total risk-based capital ratio | 19.5364% | 1,739 |
| Memoranda: | ||
| Average total assets | $374,200,000 | 1,826 |
| Average earning assets | $303,694,000 | 2,033 |
| Average equity | $43,645,000 | 1,714 |
| Average total loans | $288,397,330 | 1,621 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 1,610 |
| Cost of funding earning assets | 0.5449% | 1,749 |
| Net interest margin | 3.8668% | 1,900 |
| Noninterest income to average assets | 2.4505% | 239 |
| Noninterest expense to average assets | 4.9663% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4236% | 4,880 |
| Return on assets (ROA) | 0.4236% | 4,901 |
| Pretax return on assets | 0.6493% | 4,600 |
| Return on Equity (ROE) | 3.6504% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.4521% | 4,163 |
| Net charge-offs to loans | 0.0084% | 2,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 101.1667% | 526 |
| Efficiency ratio | 88.4381% | 640 |
| Assets per employee ($millions) | 2.7998% | 5,488 |
| Cash dividends to net income (ytd only)* | 32.8283% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,957 |
| Loan loss allowance to noncurrent loans | 37.9449% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.6926% | 883 |
| Noncurrent loans to loans | 2.2128% | 762 |
| Net loans and leases to total assets | 74.7198% | 1,627 |
| Net loans and leases to deposits | 94.0801% | 1,099 |
| Net loans and leases to core deposits | 96.7620% | 1,766 |
| Total domestic deposits to total assets | 79.4215% | 4,737 |
| Equity capital to assets | 11.6884% | 2,047 |
| Core capital (leverage) ratio | 10.8370% | 2,562 |
| Tier 1 risk-based capital ratio | 19.2016% | 1,561 |
| Total risk-based capital ratio | 20.2777% | 1,569 |
| Memoranda: | ||
| Average total assets | $373,962,500 | 1,839 |
| Average earning assets | $306,090,500 | 2,044 |
| Average equity | $43,392,000 | 1,730 |
| Average total loans | $284,795,500 | 1,647 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 1,758 |
| Cost of funding earning assets | 0.5251% | 1,905 |
| Net interest margin | 3.9001% | 1,969 |
| Noninterest income to average assets | 2.9763% | 207 |
| Noninterest expense to average assets | 5.6331% | 194 |
| Loan and lease loss provision to assets | 0.0211% | 3,945 |
| Net operating income to assets | 0.4497% | 4,802 |
| Return on assets (ROA) | 0.4497% | 4,880 |
| Pretax return on assets | 0.5089% | 5,006 |
| Return on Equity (ROE) | 3.6474% | 4,959 |
| Retained earnings to average equity (ytd only) | 0.0800% | 5,279 |
| Net charge-offs to loans | 0.2702% | 1,022 |
| Credit loss provision to net charge-offs | 10.3734% | 3,738 |
| Earnings coverage of net charge-offs (x) | 2.6003% | 3,802 |
| Efficiency ratio | 91.4002% | 490 |
| Assets per employee ($millions) | 2.5722% | 5,632 |
| Cash dividends to net income (ytd only)* | 97.8056% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 5,059 |
| Loan loss allowance to noncurrent loans | 44.1660% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 1,096 |
| Noncurrent loans to loans | 1.8506% | 1,016 |
| Net loans and leases to total assets | 76.3241% | 1,465 |
| Net loans and leases to deposits | 95.6879% | 1,027 |
| Net loans and leases to core deposits | 98.3793% | 1,743 |
| Total domestic deposits to total assets | 79.7636% | 4,615 |
| Equity capital to assets | 11.5190% | 2,150 |
| Core capital (leverage) ratio | 11.4263% | 1,991 |
| Tier 1 risk-based capital ratio | 18.8341% | 1,638 |
| Total risk-based capital ratio | 19.8912% | 1,660 |
| Memoranda: | ||
| Average total assets | $354,707,400 | 1,884 |
| Average earning assets | $289,838,800 | 2,103 |
| Average equity | $43,729,200 | 1,695 |
| Average total loans | $267,600,800 | 1,687 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 1,733 |
| Cost of funding earning assets | 0.5302% | 1,878 |
| Net interest margin | 3.9079% | 1,950 |
| Noninterest income to average assets | 3.3918% | 175 |
| Noninterest expense to average assets | 5.7697% | 185 |
| Loan and lease loss provision to assets | 0.0286% | 3,666 |
| Net operating income to assets | 0.5989% | 4,298 |
| Return on assets (ROA) | 0.5989% | 4,413 |
| Pretax return on assets | 0.7763% | 4,392 |
| Return on Equity (ROE) | 4.7741% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.5882% | 3,739 |
| Net charge-offs to loans | 0.3218% | 720 |
| Credit loss provision to net charge-offs | 11.8483% | 3,354 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,433 |
| Efficiency ratio | 87.7568% | 688 |
| Assets per employee ($millions) | 2.4909% | 5,724 |
| Cash dividends to net income (ytd only)* | 24.8409% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,918 |
| Loan loss allowance to noncurrent loans | 47.8906% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6115% | 1,081 |
| Noncurrent loans to loans | 1.8458% | 1,102 |
| Net loans and leases to total assets | 78.2791% | 1,147 |
| Net loans and leases to deposits | 94.7124% | 1,178 |
| Net loans and leases to core deposits | 97.9113% | 1,823 |
| Total domestic deposits to total assets | 82.6493% | 3,725 |
| Equity capital to assets | 12.6428% | 1,679 |
| Core capital (leverage) ratio | 12.0695% | 1,628 |
| Tier 1 risk-based capital ratio | 19.8516% | 1,473 |
| Total risk-based capital ratio | 20.9767% | 1,464 |
| Memoranda: | ||
| Average total assets | $349,497,750 | 1,907 |
| Average earning assets | $284,648,500 | 2,136 |
| Average equity | $43,846,750 | 1,702 |
| Average total loans | $262,252,500 | 1,724 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 2,074 |
| Cost of funding earning assets | 0.5325% | 1,849 |
| Net interest margin | 3.7930% | 2,349 |
| Noninterest income to average assets | 3.2958% | 179 |
| Noninterest expense to average assets | 5.5382% | 208 |
| Loan and lease loss provision to assets | 0.0143% | 3,823 |
| Net operating income to assets | 0.6385% | 4,104 |
| Return on assets (ROA) | 0.6385% | 4,244 |
| Pretax return on assets | 0.8460% | 4,136 |
| Return on Equity (ROE) | 5.1030% | 4,468 |
| Retained earnings to average equity (ytd only) | 3.9120% | 3,409 |
| Net charge-offs to loans | 0.4526% | 496 |
| Credit loss provision to net charge-offs | 4.2955% | 3,029 |
| Earnings coverage of net charge-offs (x) | 2.5790% | 3,252 |
| Efficiency ratio | 86.5538% | 830 |
| Assets per employee ($millions) | 2.9478% | 5,482 |
| Cash dividends to net income (ytd only)* | 23.3393% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,805 |
| Loan loss allowance to noncurrent loans | 44.7057% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.7407% | 1,017 |
| Noncurrent loans to loans | 2.1032% | 928 |
| Net loans and leases to total assets | 75.5782% | 1,558 |
| Net loans and leases to deposits | 90.7034% | 1,670 |
| Net loans and leases to core deposits | 93.9169% | 2,175 |
| Total domestic deposits to total assets | 83.3246% | 3,533 |
| Equity capital to assets | 12.8906% | 1,569 |
| Core capital (leverage) ratio | 12.0527% | 1,593 |
| Tier 1 risk-based capital ratio | 20.4719% | 1,354 |
| Total risk-based capital ratio | 21.6434% | 1,347 |
| Memoranda: | ||
| Average total assets | $348,923,670 | 1,921 |
| Average earning assets | $285,423,670 | 2,141 |
| Average equity | $43,661,000 | 1,710 |
| Average total loans | $257,208,670 | 1,756 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 2,422 |
| Cost of funding earning assets | 0.5281% | 1,882 |
| Net interest margin | 3.6844% | 2,738 |
| Noninterest income to average assets | 3.0532% | 198 |
| Noninterest expense to average assets | 5.2381% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6663% | 3,893 |
| Return on assets (ROA) | 0.6663% | 4,015 |
| Pretax return on assets | 0.8161% | 4,147 |
| Return on Equity (ROE) | 5.4036% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.2069% | 3,370 |
| Net charge-offs to loans | 0.1441% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.8152% | 2,114 |
| Efficiency ratio | 86.5204% | 929 |
| Assets per employee ($millions) | 2.9300% | 5,574 |
| Cash dividends to net income (ytd only)* | 22.1465% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,783 |
| Loan loss allowance to noncurrent loans | 46.4428% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 849 |
| Noncurrent loans to loans | 2.4712% | 767 |
| Net loans and leases to total assets | 71.4818% | 2,118 |
| Net loans and leases to deposits | 84.8923% | 2,206 |
| Net loans and leases to core deposits | 87.8307% | 2,583 |
| Total domestic deposits to total assets | 84.2029% | 3,447 |
| Equity capital to assets | 12.4234% | 1,727 |
| Core capital (leverage) ratio | 12.0336% | 1,582 |
| Tier 1 risk-based capital ratio | 18.2784% | 1,915 |
| Total risk-based capital ratio | 19.5349% | 1,871 |
| Memoranda: | ||
| Average total assets | $352,415,500 | 1,898 |
| Average earning assets | $287,049,000 | 2,142 |
| Average equity | $43,452,500 | 1,714 |
| Average total loans | $255,370,500 | 1,763 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 1,616 |
| Cost of funding earning assets | 0.5929% | 1,412 |
| Net interest margin | 3.9015% | 2,025 |
| Noninterest income to average assets | 2.5590% | 259 |
| Noninterest expense to average assets | 5.1884% | 248 |
| Loan and lease loss provision to assets | -0.1119% | 5,870 |
| Net operating income to assets | 0.4928% | 4,721 |
| Return on assets (ROA) | 0.4928% | 4,812 |
| Pretax return on assets | 0.6644% | 4,635 |
| Return on Equity (ROE) | 4.0512% | 4,925 |
| Retained earnings to average equity (ytd only) | 0.4624% | 5,329 |
| Net charge-offs to loans | 0.1990% | 1,469 |
| Credit loss provision to net charge-offs | -73.6648% | 5,099 |
| Earnings coverage of net charge-offs (x) | 3.6354% | 3,689 |
| Efficiency ratio | 90.3773% | 671 |
| Assets per employee ($millions) | 2.0657% | 6,041 |
| Cash dividends to net income (ytd only)* | 88.5860% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,625 |
| Loan loss allowance to noncurrent loans | 47.0754% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.9908% | 887 |
| Noncurrent loans to loans | 2.4929% | 738 |
| Net loans and leases to total assets | 71.7613% | 2,095 |
| Net loans and leases to deposits | 87.8288% | 1,897 |
| Net loans and leases to core deposits | 91.0335% | 2,312 |
| Total domestic deposits to total assets | 81.7059% | 4,261 |
| Equity capital to assets | 12.2369% | 1,787 |
| Core capital (leverage) ratio | 11.5296% | 1,939 |
| Tier 1 risk-based capital ratio | 19.3880% | 1,614 |
| Total risk-based capital ratio | 20.6445% | 1,573 |
| Memoranda: | ||
| Average total assets | $357,334,000 | 1,836 |
| Average earning assets | $291,426,200 | 2,070 |
| Average equity | $43,468,600 | 1,692 |
| Average total loans | $272,834,000 | 1,600 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,621 |
| Cost of funding earning assets | 0.5927% | 1,454 |
| Net interest margin | 3.8981% | 2,039 |
| Noninterest income to average assets | 2.5813% | 257 |
| Noninterest expense to average assets | 5.1124% | 262 |
| Loan and lease loss provision to assets | -0.0744% | 5,964 |
| Net operating income to assets | 0.5190% | 4,724 |
| Return on assets (ROA) | 0.5190% | 4,814 |
| Pretax return on assets | 0.7244% | 4,599 |
| Return on Equity (ROE) | 4.2728% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.0783% | 4,260 |
| Net charge-offs to loans | 0.2210% | 1,182 |
| Credit loss provision to net charge-offs | -43.5730% | 4,953 |
| Earnings coverage of net charge-offs (x) | 3.8061% | 3,449 |
| Efficiency ratio | 88.7203% | 786 |
| Assets per employee ($millions) | 2.8250% | 5,735 |
| Cash dividends to net income (ytd only)* | 27.9572% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,712 |
| Loan loss allowance to noncurrent loans | 49.3409% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.0249% | 1,005 |
| Noncurrent loans to loans | 2.4119% | 858 |
| Net loans and leases to total assets | 76.2302% | 1,355 |
| Net loans and leases to deposits | 95.0600% | 1,087 |
| Net loans and leases to core deposits | 99.1204% | 1,592 |
| Total domestic deposits to total assets | 80.1917% | 4,698 |
| Equity capital to assets | 12.2716% | 1,893 |
| Core capital (leverage) ratio | 11.9928% | 1,676 |
| Tier 1 risk-based capital ratio | 18.7895% | 1,825 |
| Total risk-based capital ratio | 20.0463% | 1,794 |
| Memoranda: | ||
| Average total assets | $358,360,500 | 1,844 |
| Average earning assets | $292,442,000 | 2,077 |
| Average equity | $43,529,750 | 1,700 |
| Average total loans | $276,919,750 | 1,587 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,572 |
| Cost of funding earning assets | 0.5988% | 1,422 |
| Net interest margin | 3.8906% | 2,016 |
| Noninterest income to average assets | 2.5007% | 273 |
| Noninterest expense to average assets | 4.8177% | 328 |
| Loan and lease loss provision to assets | 0.1117% | 1,970 |
| Net operating income to assets | 0.5393% | 4,613 |
| Return on assets (ROA) | 0.5393% | 4,723 |
| Pretax return on assets | 0.7453% | 4,509 |
| Return on Equity (ROE) | 4.4553% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.2562% | 3,975 |
| Net charge-offs to loans | 0.3018% | 876 |
| Credit loss provision to net charge-offs | 47.8469% | 2,728 |
| Earnings coverage of net charge-offs (x) | 3.6722% | 3,157 |
| Efficiency ratio | 84.8977% | 1,164 |
| Assets per employee ($millions) | 2.6943% | 5,920 |
| Cash dividends to net income (ytd only)* | 26.9151% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,037 |
| Loan loss allowance to noncurrent loans | 47.6221% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.3539% | 843 |
| Noncurrent loans to loans | 2.8096% | 738 |
| Net loans and leases to total assets | 78.0337% | 1,062 |
| Net loans and leases to deposits | 95.9264% | 973 |
| Net loans and leases to core deposits | 100.4127% | 1,460 |
| Total domestic deposits to total assets | 81.3474% | 4,502 |
| Equity capital to assets | 12.3896% | 1,733 |
| Core capital (leverage) ratio | 11.7435% | 1,810 |
| Tier 1 risk-based capital ratio | 18.8323% | 1,830 |
| Total risk-based capital ratio | 20.0916% | 1,799 |
| Memoranda: | ||
| Average total assets | $358,221,000 | 1,852 |
| Average earning assets | $292,242,330 | 2,093 |
| Average equity | $43,363,670 | 1,715 |
| Average total loans | $276,962,330 | 1,585 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 1,856 |
| Cost of funding earning assets | 0.5832% | 1,558 |
| Net interest margin | 3.7905% | 2,256 |
| Noninterest income to average assets | 2.5883% | 262 |
| Noninterest expense to average assets | 4.7587% | 355 |
| Loan and lease loss provision to assets | 0.2217% | 795 |
| Net operating income to assets | 0.4944% | 4,708 |
| Return on assets (ROA) | 0.4944% | 4,830 |
| Pretax return on assets | 0.6773% | 4,665 |
| Return on Equity (ROE) | 4.1314% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.9272% | 4,214 |
| Net charge-offs to loans | 0.5423% | 456 |
| Credit loss provision to net charge-offs | 53.4759% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.1684% | 2,810 |
| Efficiency ratio | 84.1105% | 1,371 |
| Assets per employee ($millions) | 2.8916% | 5,791 |
| Cash dividends to net income (ytd only)* | 29.1480% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 3,086 |
| Loan loss allowance to noncurrent loans | 43.3024% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.5643% | 824 |
| Noncurrent loans to loans | 3.1474% | 658 |
| Net loans and leases to total assets | 75.0655% | 1,341 |
| Net loans and leases to deposits | 92.7515% | 1,109 |
| Net loans and leases to core deposits | 96.9219% | 1,554 |
| Total domestic deposits to total assets | 80.9319% | 4,841 |
| Equity capital to assets | 11.8950% | 2,112 |
| Core capital (leverage) ratio | 11.7424% | 1,816 |
| Tier 1 risk-based capital ratio | 19.2801% | 1,793 |
| Total risk-based capital ratio | 20.5410% | 1,749 |
| Memoranda: | ||
| Average total assets | $360,857,000 | 1,838 |
| Average earning assets | $292,205,500 | 2,100 |
| Average equity | $43,181,000 | 1,722 |
| Average total loans | $275,866,500 | 1,586 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 1,993 |
| Cost of funding earning assets | 0.6509% | 1,399 |
| Net interest margin | 3.8181% | 2,559 |
| Noninterest income to average assets | 2.7718% | 210 |
| Noninterest expense to average assets | 5.0747% | 294 |
| Loan and lease loss provision to assets | 0.0832% | 2,817 |
| Net operating income to assets | 0.4681% | 4,929 |
| Return on assets (ROA) | 0.4681% | 5,033 |
| Pretax return on assets | 0.7000% | 4,633 |
| Return on Equity (ROE) | 3.9205% | 5,147 |
| Retained earnings to average equity (ytd only) | 0.1347% | 5,713 |
| Net charge-offs to loans | 0.2156% | 1,942 |
| Credit loss provision to net charge-offs | 49.7512% | 3,485 |
| Earnings coverage of net charge-offs (x) | 4.6833% | 3,589 |
| Efficiency ratio | 86.5455% | 1,114 |
| Assets per employee ($millions) | 2.7073% | 6,018 |
| Cash dividends to net income (ytd only)* | 96.5640% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 2,742 |
| Loan loss allowance to noncurrent loans | 41.5057% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.8450% | 750 |
| Noncurrent loans to loans | 3.4701% | 595 |
| Net loans and leases to total assets | 75.6931% | 1,317 |
| Net loans and leases to deposits | 93.8914% | 1,082 |
| Net loans and leases to core deposits | 98.6050% | 1,502 |
| Total domestic deposits to total assets | 80.6177% | 4,852 |
| Equity capital to assets | 12.0389% | 1,997 |
| Core capital (leverage) ratio | 12.0389% | 1,597 |
| Tier 1 risk-based capital ratio | 18.0027% | 2,140 |
| Total risk-based capital ratio | 19.0965% | 2,152 |
| Memoranda: | ||
| Average total assets | $360,590,000 | 1,808 |
| Average earning assets | $291,453,400 | 2,061 |
| Average equity | $43,055,200 | 1,674 |
| Average total loans | $279,620,000 | 1,518 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 2,034 |
| Cost of funding earning assets | 0.6613% | 1,382 |
| Net interest margin | 3.7941% | 2,643 |
| Noninterest income to average assets | 2.4859% | 246 |
| Noninterest expense to average assets | 4.9297% | 324 |
| Loan and lease loss provision to assets | 0.0553% | 3,264 |
| Net operating income to assets | 0.3977% | 5,256 |
| Return on assets (ROA) | 0.3977% | 5,334 |
| Pretax return on assets | 0.5763% | 5,105 |
| Return on Equity (ROE) | 3.3376% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.3251% | 5,366 |
| Net charge-offs to loans | 0.2402% | 1,607 |
| Credit loss provision to net charge-offs | 29.6443% | 3,457 |
| Earnings coverage of net charge-offs (x) | 3.3834% | 3,672 |
| Efficiency ratio | 88.5299% | 956 |
| Assets per employee ($millions) | 2.6052% | 6,154 |
| Cash dividends to net income (ytd only)* | 60.2971% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 3,340 |
| Loan loss allowance to noncurrent loans | 38.6713% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 2.9401% | 817 |
| Noncurrent loans to loans | 3.5218% | 678 |
| Net loans and leases to total assets | 79.7218% | 746 |
| Net loans and leases to deposits | 96.5817% | 836 |
| Net loans and leases to core deposits | 101.2950% | 1,264 |
| Total domestic deposits to total assets | 82.5434% | 4,286 |
| Equity capital to assets | 12.2475% | 1,870 |
| Core capital (leverage) ratio | 12.2470% | 1,550 |
| Tier 1 risk-based capital ratio | 17.6339% | 2,345 |
| Total risk-based capital ratio | 18.8055% | 2,337 |
| Memoranda: | ||
| Average total assets | $361,395,750 | 1,814 |
| Average earning assets | $292,941,250 | 2,057 |
| Average equity | $43,063,250 | 1,677 |
| Average total loans | $280,911,250 | 1,524 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 2,321 |
| Cost of funding earning assets | 0.6694% | 1,385 |
| Net interest margin | 3.6933% | 2,989 |
| Noninterest income to average assets | 2.5000% | 241 |
| Noninterest expense to average assets | 4.8812% | 333 |
| Loan and lease loss provision to assets | 0.0137% | 3,985 |
| Net operating income to assets | 0.4124% | 5,167 |
| Return on assets (ROA) | 0.4124% | 5,249 |
| Pretax return on assets | 0.6114% | 4,919 |
| Return on Equity (ROE) | 3.4922% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.0709% | 5,331 |
| Net charge-offs to loans | 0.3433% | 1,184 |
| Credit loss provision to net charge-offs | 5.2192% | 3,359 |
| Earnings coverage of net charge-offs (x) | 2.3737% | 3,564 |
| Efficiency ratio | 88.5372% | 1,040 |
| Assets per employee ($millions) | 2.8476% | 5,963 |
| Cash dividends to net income (ytd only)* | 69.3333% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 3,536 |
| Loan loss allowance to noncurrent loans | 37.7857% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 3.0762% | 825 |
| Noncurrent loans to loans | 3.6029% | 724 |
| Net loans and leases to total assets | 76.1729% | 1,137 |
| Net loans and leases to deposits | 91.8222% | 1,168 |
| Net loans and leases to core deposits | 96.7234% | 1,546 |
| Total domestic deposits to total assets | 82.9569% | 4,320 |
| Equity capital to assets | 11.9438% | 2,026 |
| Core capital (leverage) ratio | 11.9421% | 1,693 |
| Tier 1 risk-based capital ratio | 17.7680% | 2,319 |
| Total risk-based capital ratio | 18.9352% | 2,325 |
| Memoranda: | ||
| Average total assets | $363,760,330 | 1,800 |
| Average earning assets | $296,103,000 | 2,030 |
| Average equity | $42,953,330 | 1,663 |
| Average total loans | $279,096,330 | 1,530 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 3,076 |
| Cost of funding earning assets | 0.6666% | 1,459 |
| Net interest margin | 3.4828% | 3,772 |
| Noninterest income to average assets | 2.1918% | 289 |
| Noninterest expense to average assets | 5.1269% | 295 |
| Loan and lease loss provision to assets | -0.1096% | 6,505 |
| Net operating income to assets | 0.1382% | 5,952 |
| Return on assets (ROA) | 0.1382% | 5,987 |
| Pretax return on assets | 0.0329% | 6,173 |
| Return on Equity (ROE) | 1.1767% | 5,994 |
| Retained earnings to average equity (ytd only) | -2.4654% | 5,908 |
| Net charge-offs to loans | 0.3355% | 1,068 |
| Credit loss provision to net charge-offs | -42.7350% | 4,737 |
| Earnings coverage of net charge-offs (x) | -0.2991% | 3,459 |
| Efficiency ratio | 101.3895% | 439 |
| Assets per employee ($millions) | 2.8431% | 6,050 |
| Cash dividends to net income (ytd only)* | 309.5238% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 3,581 |
| Loan loss allowance to noncurrent loans | 37.8352% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 3.1079% | 894 |
| Noncurrent loans to loans | 3.7118% | 759 |
| Net loans and leases to total assets | 74.4991% | 1,191 |
| Net loans and leases to deposits | 89.2313% | 1,230 |
| Net loans and leases to core deposits | 93.7556% | 1,570 |
| Total domestic deposits to total assets | 83.4898% | 4,454 |
| Equity capital to assets | 11.5532% | 2,204 |
| Core capital (leverage) ratio | 11.5501% | 1,935 |
| Tier 1 risk-based capital ratio | 17.2987% | 2,555 |
| Total risk-based capital ratio | 18.4650% | 2,553 |
| Memoranda: | ||
| Average total assets | $364,819,000 | 1,800 |
| Average earning assets | $299,417,500 | 2,015 |
| Average equity | $42,833,000 | 1,662 |
| Average total loans | $279,006,500 | 1,534 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 2,174 |
| Cost of funding earning assets | 0.7607% | 1,435 |
| Net interest margin | 3.7481% | 2,856 |
| Noninterest income to average assets | 2.2897% | 327 |
| Noninterest expense to average assets | 4.8089% | 405 |
| Loan and lease loss provision to assets | 0.2378% | 1,522 |
| Net operating income to assets | 0.2552% | 5,676 |
| Return on assets (ROA) | 0.2552% | 5,747 |
| Pretax return on assets | 0.3450% | 5,615 |
| Return on Equity (ROE) | 2.1645% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.9451% | 5,413 |
| Net charge-offs to loans | 0.6719% | 966 |
| Credit loss provision to net charge-offs | 43.7214% | 3,965 |
| Earnings coverage of net charge-offs (x) | 1.0717% | 4,722 |
| Efficiency ratio | 89.1139% | 1,099 |
| Assets per employee ($millions) | 2.5902% | 6,327 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 3,062 |
| Loan loss allowance to noncurrent loans | 38.2975% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 3.4247% | 868 |
| Noncurrent loans to loans | 3.9869% | 729 |
| Net loans and leases to total assets | 76.2382% | 1,037 |
| Net loans and leases to deposits | 92.7010% | 988 |
| Net loans and leases to core deposits | 97.8493% | 1,312 |
| Total domestic deposits to total assets | 82.2409% | 4,791 |
| Equity capital to assets | 11.9335% | 1,846 |
| Core capital (leverage) ratio | 11.9291% | 1,655 |
| Tier 1 risk-based capital ratio | 17.5354% | 2,396 |
| Total risk-based capital ratio | 18.7031% | 2,407 |
| Memoranda: | ||
| Average total assets | $361,704,600 | 1,793 |
| Average earning assets | $299,348,000 | 1,986 |
| Average equity | $42,642,800 | 1,648 |
| Average total loans | $292,730,400 | 1,449 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 2,032 |
| Cost of funding earning assets | 0.7616% | 1,534 |
| Net interest margin | 3.7911% | 2,673 |
| Noninterest income to average assets | 2.3951% | 312 |
| Noninterest expense to average assets | 4.7732% | 410 |
| Loan and lease loss provision to assets | 0.5744% | 435 |
| Net operating income to assets | 0.1727% | 5,981 |
| Return on assets (ROA) | 0.1727% | 6,053 |
| Pretax return on assets | 0.1889% | 6,056 |
| Return on Equity (ROE) | 1.4692% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.2475% | 5,866 |
| Net charge-offs to loans | 0.5563% | 1,140 |
| Credit loss provision to net charge-offs | 126.2136% | 1,865 |
| Earnings coverage of net charge-offs (x) | 1.6772% | 4,279 |
| Efficiency ratio | 86.1409% | 1,351 |
| Assets per employee ($millions) | 2.5759% | 6,405 |
| Cash dividends to net income (ytd only)* | 83.1558% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 1,754 |
| Loan loss allowance to noncurrent loans | 45.5142% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 3.8239% | 850 |
| Noncurrent loans to loans | 4.3645% | 764 |
| Net loans and leases to total assets | 76.7118% | 904 |
| Net loans and leases to deposits | 95.4798% | 726 |
| Net loans and leases to core deposits | 101.0752% | 1,049 |
| Total domestic deposits to total assets | 80.3435% | 5,412 |
| Equity capital to assets | 11.6578% | 2,164 |
| Core capital (leverage) ratio | 11.6524% | 1,915 |
| Tier 1 risk-based capital ratio | 16.7843% | 2,820 |
| Total risk-based capital ratio | 18.0311% | 2,770 |
| Memoranda: | ||
| Average total assets | $362,121,750 | 1,804 |
| Average earning assets | $300,063,750 | 1,984 |
| Average equity | $42,562,250 | 1,657 |
| Average total loans | $296,227,750 | 1,425 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 2,483 |
| Cost of funding earning assets | 0.7645% | 1,621 |
| Net interest margin | 3.6581% | 3,143 |
| Noninterest income to average assets | 2.6190% | 299 |
| Noninterest expense to average assets | 4.9199% | 376 |
| Loan and lease loss provision to assets | 0.6983% | 336 |
| Net operating income to assets | 0.0521% | 6,241 |
| Return on assets (ROA) | 0.0521% | 6,318 |
| Pretax return on assets | 0.0371% | 6,316 |
| Return on Equity (ROE) | 0.4420% | 6,317 |
| Retained earnings to average equity (ytd only) | -0.7805% | 6,004 |
| Net charge-offs to loans | 0.4727% | 1,398 |
| Credit loss provision to net charge-offs | 177.9661% | 1,341 |
| Earnings coverage of net charge-offs (x) | 1.8743% | 3,901 |
| Efficiency ratio | 86.9182% | 1,322 |
| Assets per employee ($millions) | 2.5843% | 6,410 |
| Cash dividends to net income (ytd only)* | 276.5957% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,004 |
| Loan loss allowance to noncurrent loans | 47.2482% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 3.7835% | 967 |
| Noncurrent loans to loans | 4.0941% | 938 |
| Net loans and leases to total assets | 81.7152% | 376 |
| Net loans and leases to deposits | 103.2248% | 289 |
| Net loans and leases to core deposits | 109.0041% | 602 |
| Total domestic deposits to total assets | 79.1624% | 5,781 |
| Equity capital to assets | 11.5528% | 2,250 |
| Core capital (leverage) ratio | 11.5468% | 1,897 |
| Tier 1 risk-based capital ratio | 16.6721% | 2,850 |
| Total risk-based capital ratio | 17.9340% | 2,817 |
| Memoranda: | ||
| Average total assets | $360,901,670 | 1,814 |
| Average earning assets | $299,552,330 | 1,989 |
| Average equity | $42,535,670 | 1,658 |
| Average total loans | $299,542,000 | 1,412 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 2,376 |
| Cost of funding earning assets | 0.7760% | 1,669 |
| Net interest margin | 3.6675% | 2,999 |
| Noninterest income to average assets | 3.5175% | 205 |
| Noninterest expense to average assets | 5.4143% | 279 |
| Loan and lease loss provision to assets | 0.8495% | 247 |
| Net operating income to assets | 0.2437% | 5,748 |
| Return on assets (ROA) | 0.2437% | 5,869 |
| Pretax return on assets | 0.2861% | 5,883 |
| Return on Equity (ROE) | 2.0467% | 5,925 |
| Retained earnings to average equity (ytd only) | 0.8262% | 5,509 |
| Net charge-offs to loans | 0.5830% | 1,046 |
| Credit loss provision to net charge-offs | 175.9259% | 1,211 |
| Earnings coverage of net charge-offs (x) | 2.3519% | 3,063 |
| Efficiency ratio | 82.5939% | 1,948 |
| Assets per employee ($millions) | 2.5119% | 6,574 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 2,347 |
| Loan loss allowance to noncurrent loans | 47.2204% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 3.7724% | 1,096 |
| Noncurrent loans to loans | 3.9927% | 1,132 |
| Net loans and leases to total assets | 81.3135% | 320 |
| Net loans and leases to deposits | 102.9463% | 252 |
| Net loans and leases to core deposits | 108.5535% | 547 |
| Total domestic deposits to total assets | 78.9864% | 5,962 |
| Equity capital to assets | 11.7099% | 2,248 |
| Core capital (leverage) ratio | 11.7029% | 1,745 |
| Tier 1 risk-based capital ratio | 16.8580% | 2,828 |
| Total risk-based capital ratio | 18.0332% | 2,834 |
| Memoranda: | ||
| Average total assets | $357,869,500 | 1,850 |
| Average earning assets | $295,895,000 | 2,032 |
| Average equity | $42,606,000 | 1,677 |
| Average total loans | $296,422,000 | 1,429 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 2,011 |
| Cost of funding earning assets | 0.9504% | 1,644 |
| Net interest margin | 3.9019% | 2,818 |
| Noninterest income to average assets | 4.9048% | 150 |
| Noninterest expense to average assets | 5.6016% | 262 |
| Loan and lease loss provision to assets | 0.6091% | 898 |
| Net operating income to assets | 1.1915% | 1,631 |
| Return on assets (ROA) | 1.1915% | 1,794 |
| Pretax return on assets | 1.9512% | 672 |
| Return on Equity (ROE) | 9.5877% | 2,364 |
| Retained earnings to average equity (ytd only) | 2.3059% | 4,613 |
| Net charge-offs to loans | 1.2258% | 819 |
| Credit loss provision to net charge-offs | 60.5711% | 4,427 |
| Earnings coverage of net charge-offs (x) | 2.5460% | 4,141 |
| Efficiency ratio | 68.5312% | 4,049 |
| Assets per employee ($millions) | 2.5847% | 6,549 |
| Cash dividends to net income (ytd only)* | 75.9494% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 2,454 |
| Loan loss allowance to noncurrent loans | 57.5367% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 3.0431% | 1,553 |
| Noncurrent loans to loans | 3.2032% | 1,617 |
| Net loans and leases to total assets | 81.2559% | 379 |
| Net loans and leases to deposits | 101.6405% | 341 |
| Net loans and leases to core deposits | 106.4271% | 674 |
| Total domestic deposits to total assets | 79.9444% | 5,684 |
| Equity capital to assets | 12.1081% | 1,976 |
| Core capital (leverage) ratio | 12.0998% | 1,514 |
| Tier 1 risk-based capital ratio | 19.9594% | 1,689 |
| Total risk-based capital ratio | 21.1223% | 1,682 |
| Memoranda: | ||
| Average total assets | $344,761,600 | 1,878 |
| Average earning assets | $287,784,000 | 2,060 |
| Average equity | $42,846,600 | 1,625 |
| Average total loans | $282,828,000 | 1,475 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 2,328 |
| Cost of funding earning assets | 0.9962% | 1,579 |
| Net interest margin | 3.8205% | 3,242 |
| Noninterest income to average assets | 4.9493% | 143 |
| Noninterest expense to average assets | 5.5244% | 263 |
| Loan and lease loss provision to assets | 0.6024% | 917 |
| Net operating income to assets | 1.2362% | 1,612 |
| Return on assets (ROA) | 1.2362% | 1,784 |
| Pretax return on assets | 2.0193% | 676 |
| Return on Equity (ROE) | 9.8822% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.6706% | 1,356 |
| Net charge-offs to loans | 0.8338% | 1,314 |
| Credit loss provision to net charge-offs | 88.2688% | 3,352 |
| Earnings coverage of net charge-offs (x) | 3.8417% | 3,495 |
| Efficiency ratio | 67.7305% | 4,119 |
| Assets per employee ($millions) | 2.5421% | 6,662 |
| Cash dividends to net income (ytd only)* | 12.2604% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3495% | 1,433 |
| Loan loss allowance to noncurrent loans | 191.2636% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.5959% | 3,205 |
| Noncurrent loans to loans | 1.2284% | 3,996 |
| Net loans and leases to total assets | 79.0108% | 605 |
| Net loans and leases to deposits | 100.4088% | 418 |
| Net loans and leases to core deposits | 104.3783% | 851 |
| Total domestic deposits to total assets | 78.6891% | 5,936 |
| Equity capital to assets | 12.9274% | 1,631 |
| Core capital (leverage) ratio | 12.9165% | 1,221 |
| Tier 1 risk-based capital ratio | 21.0853% | 1,504 |
| Total risk-based capital ratio | 22.3584% | 1,472 |
| Memoranda: | ||
| Average total assets | $343,072,500 | 1,903 |
| Average earning assets | $287,072,750 | 2,085 |
| Average equity | $42,917,750 | 1,636 |
| Average total loans | $280,787,000 | 1,501 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 2,297 |
| Cost of funding earning assets | 1.0108% | 1,700 |
| Net interest margin | 3.8404% | 3,175 |
| Noninterest income to average assets | 4.3296% | 161 |
| Noninterest expense to average assets | 5.0281% | 373 |
| Loan and lease loss provision to assets | 0.6705% | 841 |
| Net operating income to assets | 1.1200% | 1,978 |
| Return on assets (ROA) | 1.1200% | 2,194 |
| Pretax return on assets | 1.8651% | 911 |
| Return on Equity (ROE) | 9.0538% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.8284% | 1,707 |
| Net charge-offs to loans | 0.7757% | 1,417 |
| Credit loss provision to net charge-offs | 105.2150% | 2,583 |
| Earnings coverage of net charge-offs (x) | 3.9790% | 3,210 |
| Efficiency ratio | 66.3840% | 4,467 |
| Assets per employee ($millions) | 2.4645% | 6,792 |
| Cash dividends to net income (ytd only)* | 13.5346% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5069% | 1,273 |
| Loan loss allowance to noncurrent loans | 230.1458% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 1.4952% | 3,462 |
| Noncurrent loans to loans | 1.0893% | 4,346 |
| Net loans and leases to total assets | 77.6084% | 773 |
| Net loans and leases to deposits | 100.6532% | 398 |
| Net loans and leases to core deposits | 104.6359% | 816 |
| Total domestic deposits to total assets | 77.1047% | 6,312 |
| Equity capital to assets | 12.7126% | 1,677 |
| Core capital (leverage) ratio | 12.7000% | 1,262 |
| Tier 1 risk-based capital ratio | 19.7666% | 1,769 |
| Total risk-based capital ratio | 21.0395% | 1,731 |
| Memoranda: | ||
| Average total assets | $343,034,670 | 1,902 |
| Average earning assets | $288,879,000 | 2,062 |
| Average equity | $42,435,330 | 1,645 |
| Average total loans | $281,823,330 | 1,492 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 2,686 |
| Cost of funding earning assets | 1.0311% | 1,803 |
| Net interest margin | 3.7550% | 3,581 |
| Noninterest income to average assets | 4.0000% | 172 |
| Noninterest expense to average assets | 4.9799% | 369 |
| Loan and lease loss provision to assets | 0.8708% | 518 |
| Net operating income to assets | 0.6421% | 4,157 |
| Return on assets (ROA) | 0.6421% | 4,366 |
| Pretax return on assets | 1.3248% | 2,439 |
| Return on Equity (ROE) | 5.2622% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.0252% | 4,171 |
| Net charge-offs to loans | 0.3132% | 2,397 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 8.4044% | 1,963 |
| Efficiency ratio | 69.3042% | 3,931 |
| Assets per employee ($millions) | 2.5194% | 6,833 |
| Cash dividends to net income (ytd only)* | 23.5081% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5011% | 1,354 |
| Loan loss allowance to noncurrent loans | 242.1562% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 3,833 |
| Noncurrent loans to loans | 1.0328% | 4,622 |
| Net loans and leases to total assets | 82.5417% | 246 |
| Net loans and leases to deposits | 106.2949% | 201 |
| Net loans and leases to core deposits | 110.4726% | 521 |
| Total domestic deposits to total assets | 77.6535% | 6,316 |
| Equity capital to assets | 12.3299% | 1,830 |
| Core capital (leverage) ratio | 12.3158% | 1,428 |
| Tier 1 risk-based capital ratio | 18.6767% | 2,085 |
| Total risk-based capital ratio | 19.9294% | 2,053 |
| Memoranda: | ||
| Average total assets | $344,504,000 | 1,906 |
| Average earning assets | $291,347,000 | 2,051 |
| Average equity | $42,035,500 | 1,646 |
| Average total loans | $287,370,000 | 1,476 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 3,848 |
| Cost of funding earning assets | 1.3234% | 1,373 |
| Net interest margin | 3.4685% | 5,257 |
| Noninterest income to average assets | 3.8291% | 164 |
| Noninterest expense to average assets | 4.7685% | 468 |
| Loan and lease loss provision to assets | 0.6843% | 1,497 |
| Net operating income to assets | 0.8684% | 2,744 |
| Return on assets (ROA) | 0.8684% | 2,885 |
| Pretax return on assets | 1.3384% | 1,989 |
| Return on Equity (ROE) | 7.2325% | 3,291 |
| Retained earnings to average equity (ytd only) | 3.5459% | 3,705 |
| Net charge-offs to loans | 1.0977% | 1,568 |
| Credit loss provision to net charge-offs | 74.3436% | 4,694 |
| Earnings coverage of net charge-offs (x) | 2.1974% | 4,138 |
| Efficiency ratio | 69.8898% | 3,983 |
| Assets per employee ($millions) | 2.5657% | 6,766 |
| Cash dividends to net income (ytd only)* | 50.9725% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 4,742 |
| Loan loss allowance to noncurrent loans | 139.4263% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3936% | 3,905 |
| Noncurrent loans to loans | 0.9552% | 4,791 |
| Net loans and leases to total assets | 81.0909% | 400 |
| Net loans and leases to deposits | 109.8499% | 174 |
| Net loans and leases to core deposits | 114.1551% | 494 |
| Total domestic deposits to total assets | 73.8198% | 6,733 |
| Equity capital to assets | 12.0750% | 2,065 |
| Core capital (leverage) ratio | 12.0595% | 1,559 |
| Tier 1 risk-based capital ratio | 17.8167% | 2,259 |
| Total risk-based capital ratio | 19.0667% | 2,234 |
| Memoranda: | ||
| Average total assets | $343,396,400 | 1,887 |
| Average earning assets | $293,269,000 | 1,992 |
| Average equity | $41,230,800 | 1,627 |
| Average total loans | $287,955,600 | 1,486 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 3,365 |
| Cost of funding earning assets | 1.4063% | 1,211 |
| Net interest margin | 3.5374% | 5,033 |
| Noninterest income to average assets | 3.7292% | 167 |
| Noninterest expense to average assets | 4.6207% | 514 |
| Loan and lease loss provision to assets | 0.6809% | 1,422 |
| Net operating income to assets | 0.9409% | 2,565 |
| Return on assets (ROA) | 0.9409% | 2,730 |
| Pretax return on assets | 1.4588% | 1,762 |
| Return on Equity (ROE) | 7.8474% | 3,107 |
| Retained earnings to average equity (ytd only) | 6.5817% | 2,205 |
| Net charge-offs to loans | 1.0333% | 1,549 |
| Credit loss provision to net charge-offs | 78.1948% | 4,201 |
| Earnings coverage of net charge-offs (x) | 2.4571% | 3,896 |
| Efficiency ratio | 67.9694% | 4,325 |
| Assets per employee ($millions) | 2.5118% | 6,873 |
| Cash dividends to net income (ytd only)* | 16.1291% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,324 |
| Loan loss allowance to noncurrent loans | 116.3563% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.4915% | 3,877 |
| Noncurrent loans to loans | 1.2483% | 4,454 |
| Net loans and leases to total assets | 81.8817% | 368 |
| Net loans and leases to deposits | 110.4680% | 171 |
| Net loans and leases to core deposits | 116.2055% | 490 |
| Total domestic deposits to total assets | 74.1226% | 6,743 |
| Equity capital to assets | 12.5942% | 1,855 |
| Core capital (leverage) ratio | 12.5758% | 1,399 |
| Tier 1 risk-based capital ratio | 18.3160% | 2,143 |
| Total risk-based capital ratio | 19.5660% | 2,108 |
| Memoranda: | ||
| Average total assets | $342,653,500 | 1,898 |
| Average earning assets | $293,618,000 | 2,001 |
| Average equity | $41,082,500 | 1,634 |
| Average total loans | $288,778,500 | 1,492 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 3,575 |
| Cost of funding earning assets | 1.5337% | 882 |
| Net interest margin | 3.3752% | 5,624 |
| Noninterest income to average assets | 2.9111% | 227 |
| Noninterest expense to average assets | 4.2730% | 770 |
| Loan and lease loss provision to assets | 0.6673% | 1,441 |
| Net operating income to assets | 0.5686% | 4,217 |
| Return on assets (ROA) | 0.5686% | 4,343 |
| Pretax return on assets | 0.8657% | 3,778 |
| Return on Equity (ROE) | 4.8220% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.5427% | 3,989 |
| Net charge-offs to loans | 0.9033% | 1,725 |
| Credit loss provision to net charge-offs | 87.2534% | 3,543 |
| Earnings coverage of net charge-offs (x) | 2.0046% | 3,866 |
| Efficiency ratio | 73.0462% | 3,531 |
| Assets per employee ($millions) | 2.3770% | 7,050 |
| Cash dividends to net income (ytd only)* | 26.5306% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 4,561 |
| Loan loss allowance to noncurrent loans | 108.1678% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6944% | 3,648 |
| Noncurrent loans to loans | 1.2957% | 4,491 |
| Net loans and leases to total assets | 84.0716% | 245 |
| Net loans and leases to deposits | 113.6256% | 133 |
| Net loans and leases to core deposits | 120.1283% | 415 |
| Total domestic deposits to total assets | 73.9900% | 6,843 |
| Equity capital to assets | 12.5241% | 1,766 |
| Core capital (leverage) ratio | 12.5022% | 1,357 |
| Tier 1 risk-based capital ratio | 17.7422% | 2,253 |
| Total risk-based capital ratio | 18.9923% | 2,215 |
| Memoranda: | ||
| Average total assets | $344,677,000 | 1,896 |
| Average earning assets | $295,624,000 | 2,001 |
| Average equity | $40,646,670 | 1,647 |
| Average total loans | $291,817,330 | 1,489 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 4,614 |
| Cost of funding earning assets | 1.5628% | 941 |
| Net interest margin | 3.1177% | 6,299 |
| Noninterest income to average assets | 2.1700% | 327 |
| Noninterest expense to average assets | 3.8379% | 1,276 |
| Loan and lease loss provision to assets | 0.6232% | 1,385 |
| Net operating income to assets | 0.2991% | 5,405 |
| Return on assets (ROA) | 0.2991% | 5,473 |
| Pretax return on assets | 0.3853% | 5,386 |
| Return on Equity (ROE) | 2.6120% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.3258% | 5,297 |
| Net charge-offs to loans | 0.8326% | 1,578 |
| Credit loss provision to net charge-offs | 88.7097% | 2,959 |
| Earnings coverage of net charge-offs (x) | 1.4355% | 3,630 |
| Efficiency ratio | 78.3727% | 2,789 |
| Assets per employee ($millions) | 2.5238% | 6,957 |
| Cash dividends to net income (ytd only)* | 49.2424% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 4,935 |
| Loan loss allowance to noncurrent loans | 82.7703% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.9166% | 3,419 |
| Noncurrent loans to loans | 1.6202% | 4,047 |
| Net loans and leases to total assets | 83.4079% | 255 |
| Net loans and leases to deposits | 117.1892% | 107 |
| Net loans and leases to core deposits | 122.2115% | 377 |
| Total domestic deposits to total assets | 71.1736% | 7,126 |
| Equity capital to assets | 11.7122% | 2,114 |
| Core capital (leverage) ratio | 11.6951% | 1,741 |
| Tier 1 risk-based capital ratio | 16.8993% | 2,519 |
| Total risk-based capital ratio | 18.1491% | 2,485 |
| Memoranda: | ||
| Average total assets | $353,003,500 | 1,867 |
| Average earning assets | $303,048,500 | 1,969 |
| Average equity | $40,429,000 | 1,648 |
| Average total loans | $297,878,500 | 1,473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 4,798 |
| Cost of funding earning assets | 1.9076% | 817 |
| Net interest margin | 3.0395% | 6,660 |
| Noninterest income to average assets | 3.6797% | 184 |
| Noninterest expense to average assets | 4.1775% | 921 |
| Loan and lease loss provision to assets | 1.2097% | 1,289 |
| Net operating income to assets | 0.6218% | 3,575 |
| Return on assets (ROA) | 0.6218% | 3,737 |
| Pretax return on assets | 0.8847% | 3,355 |
| Return on Equity (ROE) | 5.7191% | 3,727 |
| Retained earnings to average equity (ytd only) | 1.5404% | 4,766 |
| Net charge-offs to loans | 1.3802% | 1,618 |
| Credit loss provision to net charge-offs | 108.3032% | 4,084 |
| Earnings coverage of net charge-offs (x) | 1.8751% | 4,318 |
| Efficiency ratio | 66.3152% | 4,916 |
| Assets per employee ($millions) | 2.6105% | 6,841 |
| Cash dividends to net income (ytd only)* | 73.0653% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 5,361 |
| Loan loss allowance to noncurrent loans | 195.6067% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 5,110 |
| Noncurrent loans to loans | 0.6301% | 5,788 |
| Net loans and leases to total assets | 83.1946% | 367 |
| Net loans and leases to deposits | 119.9938% | 117 |
| Net loans and leases to core deposits | 123.9018% | 429 |
| Total domestic deposits to total assets | 69.3324% | 7,270 |
| Equity capital to assets | 11.2040% | 2,507 |
| Core capital (leverage) ratio | 11.1788% | 2,029 |
| Tier 1 risk-based capital ratio | 16.4036% | 2,569 |
| Total risk-based capital ratio | 17.6536% | 2,531 |
| Memoranda: | ||
| Average total assets | $371,991,800 | 1,772 |
| Average earning assets | $317,260,800 | 1,874 |
| Average equity | $40,443,200 | 1,640 |
| Average total loans | $301,035,200 | 1,495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 5,385 |
| Cost of funding earning assets | 1.9725% | 820 |
| Net interest margin | 2.9005% | 7,003 |
| Noninterest income to average assets | 3.9423% | 175 |
| Noninterest expense to average assets | 3.8734% | 1,237 |
| Loan and lease loss provision to assets | 1.2802% | 1,096 |
| Net operating income to assets | 0.8449% | 2,826 |
| Return on assets (ROA) | 0.8449% | 2,956 |
| Pretax return on assets | 1.2674% | 2,270 |
| Return on Equity (ROE) | 7.8291% | 2,976 |
| Retained earnings to average equity (ytd only) | 6.5440% | 2,066 |
| Net charge-offs to loans | 1.4703% | 1,373 |
| Credit loss provision to net charge-offs | 108.6628% | 3,919 |
| Earnings coverage of net charge-offs (x) | 2.1624% | 4,106 |
| Efficiency ratio | 60.2293% | 5,913 |
| Assets per employee ($millions) | 2.6181% | 6,906 |
| Cash dividends to net income (ytd only)* | 16.4142% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,323 |
| Loan loss allowance to noncurrent loans | 81.8404% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.9327% | 3,570 |
| Noncurrent loans to loans | 1.5075% | 4,375 |
| Net loans and leases to total assets | 82.1830% | 476 |
| Net loans and leases to deposits | 119.0332% | 123 |
| Net loans and leases to core deposits | 122.6176% | 537 |
| Total domestic deposits to total assets | 69.0421% | 7,325 |
| Equity capital to assets | 11.6334% | 2,426 |
| Core capital (leverage) ratio | 11.5957% | 1,877 |
| Tier 1 risk-based capital ratio | 16.7978% | 2,411 |
| Total risk-based capital ratio | 18.0479% | 2,373 |
| Memoranda: | ||
| Average total assets | $374,928,000 | 1,780 |
| Average earning assets | $320,399,500 | 1,881 |
| Average equity | $40,463,500 | 1,643 |
| Average total loans | $300,432,500 | 1,510 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 5,529 |
| Cost of funding earning assets | 2.0758% | 723 |
| Net interest margin | 2.7952% | 7,150 |
| Noninterest income to average assets | 3.3922% | 196 |
| Noninterest expense to average assets | 3.5646% | 1,870 |
| Loan and lease loss provision to assets | 1.2620% | 1,104 |
| Net operating income to assets | 0.6426% | 3,659 |
| Return on assets (ROA) | 0.6426% | 3,812 |
| Pretax return on assets | 0.9560% | 3,290 |
| Return on Equity (ROE) | 6.1035% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.8049% | 3,007 |
| Net charge-offs to loans | 1.4587% | 1,304 |
| Credit loss provision to net charge-offs | 109.2896% | 3,736 |
| Earnings coverage of net charge-offs (x) | 1.9208% | 4,077 |
| Efficiency ratio | 61.6441% | 5,748 |
| Assets per employee ($millions) | 2.5815% | 6,981 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 5,246 |
| Loan loss allowance to noncurrent loans | 65.7712% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.1594% | 3,307 |
| Noncurrent loans to loans | 1.8834% | 3,885 |
| Net loans and leases to total assets | 80.5442% | 721 |
| Net loans and leases to deposits | 116.1855% | 173 |
| Net loans and leases to core deposits | 120.6329% | 674 |
| Total domestic deposits to total assets | 69.3238% | 7,371 |
| Equity capital to assets | 11.4250% | 2,499 |
| Core capital (leverage) ratio | 11.4250% | 1,958 |
| Tier 1 risk-based capital ratio | 16.4936% | 2,472 |
| Total risk-based capital ratio | 17.7437% | 2,422 |
| Memoranda: | ||
| Average total assets | $380,346,000 | 1,767 |
| Average earning assets | $325,276,330 | 1,871 |
| Average equity | $40,042,670 | 1,661 |
| Average total loans | $301,093,000 | 1,526 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 6,984 |
| Cost of funding earning assets | 2.2184% | 558 |
| Net interest margin | 2.1900% | 7,654 |
| Noninterest income to average assets | 2.4985% | 257 |
| Noninterest expense to average assets | 3.1387% | 3,110 |
| Loan and lease loss provision to assets | 1.2233% | 994 |
| Net operating income to assets | 0.0775% | 6,088 |
| Return on assets (ROA) | 0.0775% | 6,197 |
| Pretax return on assets | 0.0255% | 6,306 |
| Return on Equity (ROE) | 0.7655% | 6,190 |
| Retained earnings to average equity (ytd only) | -0.5439% | 5,961 |
| Net charge-offs to loans | 1.4871% | 1,162 |
| Credit loss provision to net charge-offs | 105.3556% | 3,252 |
| Earnings coverage of net charge-offs (x) | 1.0755% | 4,118 |
| Efficiency ratio | 71.5381% | 4,014 |
| Assets per employee ($millions) | 2.7489% | 6,757 |
| Cash dividends to net income (ytd only)* | 171.0526% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 5,965 |
| Loan loss allowance to noncurrent loans | 59.9688% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.3407% | 3,106 |
| Noncurrent loans to loans | 1.8490% | 3,988 |
| Net loans and leases to total assets | 81.8448% | 611 |
| Net loans and leases to deposits | 115.8462% | 180 |
| Net loans and leases to core deposits | 118.6992% | 841 |
| Total domestic deposits to total assets | 70.6495% | 7,369 |
| Equity capital to assets | 10.5381% | 3,210 |
| Core capital (leverage) ratio | 10.5381% | 2,582 |
| Tier 1 risk-based capital ratio | 15.2674% | 2,978 |
| Total risk-based capital ratio | 16.5173% | 2,937 |
| Memoranda: | ||
| Average total assets | $392,392,500 | 1,755 |
| Average earning assets | $338,444,000 | 1,845 |
| Average equity | $39,713,000 | 1,694 |
| Average total loans | $306,369,500 | 1,541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2642% | 5,349 |
| Cost of funding earning assets | 2.6335% | 700 |
| Net interest margin | 2.6306% | 7,307 |
| Noninterest income to average assets | 0.7328% | 2,773 |
| Noninterest expense to average assets | 3.6259% | 2,088 |
| Loan and lease loss provision to assets | 1.1377% | 2,003 |
| Net operating income to assets | -1.3390% | 6,786 |
| Return on assets (ROA) | 0.4387% | 4,092 |
| Pretax return on assets | 0.5775% | 3,965 |
| Return on Equity (ROE) | 4.4253% | 3,915 |
| Retained earnings to average equity (ytd only) | 1.0078% | 4,327 |
| Net charge-offs to loans | 1.1451% | 2,135 |
| Credit loss provision to net charge-offs | 125.1701% | 4,182 |
| Earnings coverage of net charge-offs (x) | -0.6865% | 6,800 |
| Efficiency ratio | 120.7860% | 593 |
| Assets per employee ($millions) | 3.0462% | 6,107 |
| Cash dividends to net income (ytd only)* | 77.2266% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,761 |
| Loan loss allowance to noncurrent loans | 68.2138% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8942% | 3,538 |
| Noncurrent loans to loans | 1.6532% | 4,171 |
| Net loans and leases to total assets | 72.9230% | 2,525 |
| Net loans and leases to deposits | 103.7023% | 661 |
| Net loans and leases to core deposits | 126.8059% | 1,458 |
| Total domestic deposits to total assets | 70.3196% | 7,397 |
| Equity capital to assets | 9.7357% | 4,094 |
| Core capital (leverage) ratio | 9.7357% | 3,405 |
| Tier 1 risk-based capital ratio | 15.1025% | 2,884 |
| Total risk-based capital ratio | 16.3524% | 2,842 |
| Memoranda: | ||
| Average total assets | $404,338,800 | 1,693 |
| Average earning assets | $348,773,200 | 1,788 |
| Average equity | $40,087,800 | 1,667 |
| Average total loans | $320,935,800 | 1,497 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 5,198 |
| Cost of funding earning assets | 2.7011% | 788 |
| Net interest margin | 2.6436% | 7,301 |
| Noninterest income to average assets | 0.6710% | 3,212 |
| Noninterest expense to average assets | 3.6802% | 1,867 |
| Loan and lease loss provision to assets | 1.1238% | 1,741 |
| Net operating income to assets | -1.2795% | 7,004 |
| Return on assets (ROA) | 0.6135% | 3,608 |
| Pretax return on assets | 0.8881% | 3,266 |
| Return on Equity (ROE) | 6.1596% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.8663% | 3,130 |
| Net charge-offs to loans | 1.1741% | 1,727 |
| Credit loss provision to net charge-offs | 118.4669% | 4,281 |
| Earnings coverage of net charge-offs (x) | -0.7711% | 6,584 |
| Efficiency ratio | 124.8066% | 533 |
| Assets per employee ($millions) | 3.0089% | 6,145 |
| Cash dividends to net income (ytd only)* | 37.2307% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,434 |
| Loan loss allowance to noncurrent loans | 72.2543% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7876% | 3,671 |
| Noncurrent loans to loans | 1.3446% | 4,688 |
| Net loans and leases to total assets | 74.7298% | 2,309 |
| Net loans and leases to deposits | 108.0649% | 558 |
| Net loans and leases to core deposits | 133.6765% | 1,228 |
| Total domestic deposits to total assets | 69.1527% | 7,487 |
| Equity capital to assets | 9.8974% | 4,213 |
| Core capital (leverage) ratio | 9.8974% | 3,401 |
| Tier 1 risk-based capital ratio | 15.3426% | 2,897 |
| Total risk-based capital ratio | 16.4791% | 2,885 |
| Memoranda: | ||
| Average total assets | $403,376,500 | 1,715 |
| Average earning assets | $347,550,750 | 1,808 |
| Average equity | $40,174,750 | 1,688 |
| Average total loans | $325,905,250 | 1,496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 4,452 |
| Cost of funding earning assets | 2.6991% | 1,029 |
| Net interest margin | 2.8297% | 6,956 |
| Noninterest income to average assets | 0.6004% | 3,690 |
| Noninterest expense to average assets | 3.7471% | 1,747 |
| Loan and lease loss provision to assets | 1.1459% | 1,498 |
| Net operating income to assets | -1.1879% | 7,103 |
| Return on assets (ROA) | 0.7284% | 3,246 |
| Pretax return on assets | 1.1404% | 2,501 |
| Return on Equity (ROE) | 7.2980% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.0001% | 2,023 |
| Net charge-offs to loans | 1.2750% | 1,453 |
| Credit loss provision to net charge-offs | 108.7985% | 4,251 |
| Earnings coverage of net charge-offs (x) | -0.6722% | 6,145 |
| Efficiency ratio | 123.2951% | 614 |
| Assets per employee ($millions) | 3.0621% | 5,968 |
| Cash dividends to net income (ytd only)* | 17.7839% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 7,121 |
| Loan loss allowance to noncurrent loans | 73.4181% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7955% | 3,485 |
| Noncurrent loans to loans | 1.1017% | 5,008 |
| Net loans and leases to total assets | 78.8213% | 1,570 |
| Net loans and leases to deposits | 113.5823% | 417 |
| Net loans and leases to core deposits | 135.7218% | 1,228 |
| Total domestic deposits to total assets | 69.3958% | 7,520 |
| Equity capital to assets | 9.8065% | 4,205 |
| Core capital (leverage) ratio | 9.8065% | 3,513 |
| Tier 1 risk-based capital ratio | 14.8960% | 3,063 |
| Total risk-based capital ratio | 15.8723% | 3,125 |
| Memoranda: | ||
| Average total assets | $401,432,330 | 1,747 |
| Average earning assets | $345,967,330 | 1,835 |
| Average equity | $40,066,000 | 1,697 |
| Average total loans | $331,606,670 | 1,504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9307% | 2,647 |
| Cost of funding earning assets | 2.7965% | 994 |
| Net interest margin | 3.1342% | 6,090 |
| Noninterest income to average assets | 0.4491% | 4,781 |
| Noninterest expense to average assets | 3.7496% | 1,564 |
| Loan and lease loss provision to assets | 0.9103% | 1,437 |
| Net operating income to assets | -0.9763% | 7,245 |
| Return on assets (ROA) | 1.1308% | 1,985 |
| Pretax return on assets | 1.7438% | 1,092 |
| Return on Equity (ROE) | 11.2277% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.9222% | 1,214 |
| Net charge-offs to loans | 1.2954% | 1,087 |
| Credit loss provision to net charge-offs | 83.4106% | 4,132 |
| Earnings coverage of net charge-offs (x) | -0.5385% | 5,267 |
| Efficiency ratio | 118.5861% | 655 |
| Assets per employee ($millions) | 3.0667% | 5,977 |
| Cash dividends to net income (ytd only)* | 11.6279% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 7,512 |
| Loan loss allowance to noncurrent loans | 48.6412% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8019% | 3,211 |
| Noncurrent loans to loans | 1.3918% | 4,224 |
| Net loans and leases to total assets | 81.1876% | 1,163 |
| Net loans and leases to deposits | 116.9391% | 358 |
| Net loans and leases to core deposits | 138.7887% | 1,161 |
| Total domestic deposits to total assets | 69.4272% | 7,479 |
| Equity capital to assets | 9.7399% | 4,320 |
| Core capital (leverage) ratio | 9.7399% | 3,698 |
| Tier 1 risk-based capital ratio | 14.7333% | 3,191 |
| Total risk-based capital ratio | 15.5704% | 3,342 |
| Memoranda: | ||
| Average total assets | $395,459,500 | 1,783 |
| Average earning assets | $342,286,000 | 1,862 |
| Average equity | $39,830,000 | 1,713 |
| Average total loans | $333,166,500 | 1,507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6427% | 2,277 |
| Cost of funding earning assets | 3.3165% | 877 |
| Net interest margin | 3.3262% | 5,944 |
| Noninterest income to average assets | 0.9901% | 1,609 |
| Noninterest expense to average assets | 3.4379% | 2,558 |
| Loan and lease loss provision to assets | 0.5491% | 2,625 |
| Net operating income to assets | -0.0479% | 6,440 |
| Return on assets (ROA) | 0.7113% | 3,673 |
| Pretax return on assets | 1.0595% | 3,184 |
| Return on Equity (ROE) | 7.2693% | 3,391 |
| Retained earnings to average equity (ytd only) | 2.8822% | 3,384 |
| Net charge-offs to loans | 0.5471% | 2,184 |
| Credit loss provision to net charge-offs | 114.9425% | 4,696 |
| Earnings coverage of net charge-offs (x) | 0.9953% | 5,629 |
| Efficiency ratio | 87.8500% | 1,690 |
| Assets per employee ($millions) | 2.7512% | 6,671 |
| Cash dividends to net income (ytd only)* | 60.3509% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 7,272 |
| Loan loss allowance to noncurrent loans | 69.2265% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 3,318 |
| Noncurrent loans to loans | 1.0881% | 4,385 |
| Net loans and leases to total assets | 86.3463% | 563 |
| Net loans and leases to deposits | 131.5760% | 193 |
| Net loans and leases to core deposits | 158.6731% | 604 |
| Total domestic deposits to total assets | 65.6247% | 7,680 |
| Equity capital to assets | 10.4364% | 3,573 |
| Core capital (leverage) ratio | 10.4364% | 3,033 |
| Tier 1 risk-based capital ratio | 14.8188% | 3,140 |
| Total risk-based capital ratio | 15.7493% | 3,216 |
| Memoranda: | ||
| Average total assets | $400,647,800 | 1,700 |
| Average earning assets | $352,117,000 | 1,761 |
| Average equity | $39,206,000 | 1,720 |
| Average total loans | $349,864,400 | 1,386 |