Home > First National Bank at Darlington > Performance and Condition Ratios
First National Bank at Darlington, 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 | 4.5365% | 3,037 |
| Cost of funding earning assets | 1.3365% | 2,400 |
| Net interest margin | 3.1999% | 2,877 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.2366% | 3,023 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8166% | 2,817 |
| Return on assets (ROA) | 0.8166% | 2,799 |
| Pretax return on assets | 1.1928% | 2,159 |
| Return on Equity (ROE) | 6.0800% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.3203% | 2,478 |
| Net charge-offs to loans | -0.0008% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.9625% | 2,486 |
| Assets per employee ($millions) | 6.7353% | 2,248 |
| Cash dividends to net income (ytd only)* | 12.4588% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 1,841 |
| Loan loss allowance to noncurrent loans | 1,183.5616% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,051 |
| Noncurrent loans to loans | 0.1086% | 2,991 |
| Net loans and leases to total assets | 67.9200% | 2,047 |
| Net loans and leases to deposits | 78.5456% | 2,224 |
| Net loans and leases to core deposits | 87.6710% | 2,197 |
| Total domestic deposits to total assets | 86.4800% | 1,868 |
| Equity capital to assets | 13.3343% | 794 |
| Core capital (leverage) ratio | 14.7725% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1962% | 674 |
| Memoranda: | ||
| Average total assets | $185,776,000 | 3,086 |
| Average earning assets | $177,472,600 | 3,031 |
| Average equity | $24,960,800 | 2,522 |
| Average total loans | $124,482,600 | 2,909 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 3,096 |
| Cost of funding earning assets | 1.1976% | 2,435 |
| Net interest margin | 3.2058% | 2,904 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2851% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8812% | 2,749 |
| Return on assets (ROA) | 0.8812% | 2,735 |
| Pretax return on assets | 1.1996% | 2,296 |
| Return on Equity (ROE) | 6.5500% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.0374% | 2,623 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.5748% | 2,321 |
| Assets per employee ($millions) | 6.4978% | 2,330 |
| Cash dividends to net income (ytd only)* | 7.7558% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 1,822 |
| Loan loss allowance to noncurrent loans | 2,269.3333% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,400 |
| Noncurrent loans to loans | 0.0577% | 3,339 |
| Net loans and leases to total assets | 68.0200% | 2,040 |
| Net loans and leases to deposits | 78.6395% | 2,180 |
| Net loans and leases to core deposits | 88.2342% | 2,037 |
| Total domestic deposits to total assets | 86.4900% | 2,043 |
| Equity capital to assets | 13.3632% | 749 |
| Core capital (leverage) ratio | 14.7009% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9703% | 629 |
| Memoranda: | ||
| Average total assets | $183,389,000 | 3,106 |
| Average earning assets | $175,346,500 | 3,061 |
| Average equity | $24,689,750 | 2,522 |
| Average total loans | $122,004,000 | 2,930 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 3,138 |
| Cost of funding earning assets | 1.0564% | 2,428 |
| Net interest margin | 3.2198% | 2,939 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3092% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8673% | 2,865 |
| Return on assets (ROA) | 0.8673% | 2,862 |
| Pretax return on assets | 1.1810% | 2,413 |
| Return on Equity (ROE) | 6.4300% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.6593% | 2,740 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1621% | 2,216 |
| Assets per employee ($millions) | 6.5516% | 2,252 |
| Cash dividends to net income (ytd only)* | 11.9289% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 1,696 |
| Loan loss allowance to noncurrent loans | 2,331.5068% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,374 |
| Noncurrent loans to loans | 0.0581% | 3,281 |
| Net loans and leases to total assets | 67.6000% | 2,001 |
| Net loans and leases to deposits | 79.8577% | 1,997 |
| Net loans and leases to core deposits | 86.9425% | 2,006 |
| Total domestic deposits to total assets | 84.6500% | 2,642 |
| Equity capital to assets | 13.5414% | 709 |
| Core capital (leverage) ratio | 14.8484% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2706% | 610 |
| Memoranda: | ||
| Average total assets | $181,706,667 | 3,126 |
| Average earning assets | $173,612,667 | 3,079 |
| Average equity | $24,526,000 | 2,539 |
| Average total loans | $119,381,667 | 2,958 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 3,205 |
| Cost of funding earning assets | 0.9022% | 2,361 |
| Net interest margin | 3.2215% | 3,066 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.2982% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8228% | 3,125 |
| Return on assets (ROA) | 0.8228% | 3,072 |
| Pretax return on assets | 1.1192% | 2,661 |
| Return on Equity (ROE) | 6.1100% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.1062% | 2,734 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2492% | 2,067 |
| Assets per employee ($millions) | 6.3653% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,401 |
| Loan loss allowance to noncurrent loans | 2,331.5068% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,373 |
| Noncurrent loans to loans | 0.0626% | 3,287 |
| Net loans and leases to total assets | 64.4900% | 2,202 |
| Net loans and leases to deposits | 75.0482% | 2,207 |
| Net loans and leases to core deposits | 80.4541% | 2,223 |
| Total domestic deposits to total assets | 85.9300% | 2,614 |
| Equity capital to assets | 13.8800% | 608 |
| Core capital (leverage) ratio | 14.9510% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3573% | 550 |
| Memoranda: | ||
| Average total assets | $180,837,500 | 3,170 |
| Average earning assets | $172,467,000 | 3,123 |
| Average equity | $24,368,500 | 2,576 |
| Average total loans | $116,218,000 | 3,017 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 3,213 |
| Cost of funding earning assets | 0.4354% | 1,819 |
| Net interest margin | 3.0123% | 3,420 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.4332% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5967% | 3,893 |
| Return on assets (ROA) | 0.5967% | 3,852 |
| Pretax return on assets | 0.8164% | 3,582 |
| Return on Equity (ROE) | 4.6200% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.8380% | 3,449 |
| Net charge-offs to loans | -0.0514% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.8773% | 1,129 |
| Assets per employee ($millions) | 6.1149% | 2,665 |
| Cash dividends to net income (ytd only)* | 16.8449% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,291 |
| Loan loss allowance to noncurrent loans | 2,331.5068% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,401 |
| Noncurrent loans to loans | 0.0630% | 3,296 |
| Net loans and leases to total assets | 62.1900% | 2,413 |
| Net loans and leases to deposits | 71.5948% | 2,444 |
| Net loans and leases to core deposits | 75.0956% | 2,491 |
| Total domestic deposits to total assets | 86.8700% | 2,433 |
| Equity capital to assets | 13.0823% | 688 |
| Core capital (leverage) ratio | 14.3973% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7334% | 566 |
| Memoranda: | ||
| Average total assets | $188,027,200 | 3,122 |
| Average earning assets | $180,527,200 | 3,059 |
| Average equity | $24,309,400 | 2,616 |
| Average total loans | $110,835,800 | 3,018 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2769% | 3,242 |
| Cost of funding earning assets | 0.3893% | 1,367 |
| Net interest margin | 2.8877% | 3,521 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.2638% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6470% | 3,704 |
| Return on assets (ROA) | 0.6470% | 3,662 |
| Pretax return on assets | 0.8761% | 3,392 |
| Return on Equity (ROE) | 5.0200% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.5050% | 3,283 |
| Net charge-offs to loans | -0.0681% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.0988% | 1,503 |
| Assets per employee ($millions) | 6.3976% | 2,408 |
| Cash dividends to net income (ytd only)* | 10.2397% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,240 |
| Loan loss allowance to noncurrent loans | 1,829.0323% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,386 |
| Noncurrent loans to loans | 0.0832% | 3,284 |
| Net loans and leases to total assets | 59.3600% | 2,573 |
| Net loans and leases to deposits | 68.1932% | 2,521 |
| Net loans and leases to core deposits | 71.5518% | 2,521 |
| Total domestic deposits to total assets | 87.0500% | 2,743 |
| Equity capital to assets | 12.8136% | 709 |
| Core capital (leverage) ratio | 13.8168% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9765% | 570 |
| Memoranda: | ||
| Average total assets | $189,172,250 | 3,136 |
| Average earning assets | $181,873,250 | 3,079 |
| Average equity | $24,387,000 | 2,658 |
| Average total loans | $109,596,250 | 3,039 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0703% | 3,376 |
| Cost of funding earning assets | 0.3955% | 942 |
| Net interest margin | 2.6748% | 3,755 |
| Noninterest income to average assets | 0.3698% | 2,928 |
| Noninterest expense to average assets | 2.1535% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5893% | 3,658 |
| Return on assets (ROA) | 0.5893% | 3,603 |
| Pretax return on assets | 0.7952% | 3,344 |
| Return on Equity (ROE) | 4.5625% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.7980% | 3,163 |
| Net charge-offs to loans | -0.1029% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0317% | 1,621 |
| Assets per employee ($millions) | 6.5912% | 2,246 |
| Cash dividends to net income (ytd only)* | 16.7558% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,241 |
| Loan loss allowance to noncurrent loans | 1,829.0323% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,503 |
| Noncurrent loans to loans | 0.0855% | 3,351 |
| Net loans and leases to total assets | 56.0423% | 2,749 |
| Net loans and leases to deposits | 64.2003% | 2,698 |
| Net loans and leases to core deposits | 67.3583% | 2,708 |
| Total domestic deposits to total assets | 87.2929% | 2,832 |
| Equity capital to assets | 12.6208% | 739 |
| Core capital (leverage) ratio | 13.4815% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2007% | 519 |
| Memoranda: | ||
| Average total assets | $190,386,333 | 3,163 |
| Average earning assets | $183,565,000 | 3,112 |
| Average equity | $24,591,667 | 2,704 |
| Average total loans | $108,850,000 | 3,079 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8913% | 3,556 |
| Cost of funding earning assets | 0.4124% | 806 |
| Net interest margin | 2.4789% | 3,941 |
| Noninterest income to average assets | 0.3831% | 2,793 |
| Noninterest expense to average assets | 2.1620% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4589% | 3,819 |
| Return on assets (ROA) | 0.4589% | 3,780 |
| Pretax return on assets | 0.6126% | 3,599 |
| Return on Equity (ROE) | 3.5125% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.5125% | 3,115 |
| Net charge-offs to loans | 0.0073% | 1,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 544 |
| Efficiency ratio | 77.9211% | 1,320 |
| Assets per employee ($millions) | 6.6052% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,575 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 3,557 |
| Noncurrent loans to loans | 0.0844% | 3,417 |
| Net loans and leases to total assets | 56.6687% | 2,454 |
| Net loans and leases to deposits | 65.0117% | 2,429 |
| Net loans and leases to core deposits | 67.9720% | 2,460 |
| Total domestic deposits to total assets | 87.1669% | 2,867 |
| Equity capital to assets | 12.7443% | 748 |
| Core capital (leverage) ratio | 13.2350% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0264% | 488 |
| Memoranda: | ||
| Average total assets | $190,007,000 | 3,172 |
| Average earning assets | $183,310,500 | 3,123 |
| Average equity | $24,825,500 | 2,786 |
| Average total loans | $108,863,500 | 3,075 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 2,791 |
| Cost of funding earning assets | 0.5393% | 753 |
| Net interest margin | 2.9145% | 3,411 |
| Noninterest income to average assets | 0.3544% | 3,319 |
| Noninterest expense to average assets | 2.3394% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6061% | 3,864 |
| Return on assets (ROA) | 0.6061% | 3,910 |
| Pretax return on assets | 0.8198% | 3,682 |
| Return on Equity (ROE) | 4.3572% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.5989% | 3,385 |
| Net charge-offs to loans | -0.0029% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0505% | 1,294 |
| Assets per employee ($millions) | 6.2821% | 2,500 |
| Cash dividends to net income (ytd only)* | 17.4033% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,455 |
| Loan loss allowance to noncurrent loans | 1,731.5789% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,634 |
| Noncurrent loans to loans | 0.0883% | 3,493 |
| Net loans and leases to total assets | 56.1859% | 2,581 |
| Net loans and leases to deposits | 64.9251% | 2,604 |
| Net loans and leases to core deposits | 68.1879% | 2,634 |
| Total domestic deposits to total assets | 86.5395% | 2,696 |
| Equity capital to assets | 13.3921% | 796 |
| Core capital (leverage) ratio | 13.6932% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7963% | 505 |
| Memoranda: | ||
| Average total assets | $179,189,000 | 3,214 |
| Average earning assets | $172,445,600 | 3,159 |
| Average equity | $24,924,400 | 2,856 |
| Average total loans | $103,105,600 | 3,159 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3777% | 3,171 |
| Cost of funding earning assets | 0.5744% | 725 |
| Net interest margin | 2.8032% | 3,773 |
| Noninterest income to average assets | 0.3068% | 3,594 |
| Noninterest expense to average assets | 2.1846% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6114% | 3,985 |
| Return on assets (ROA) | 0.6114% | 4,035 |
| Pretax return on assets | 0.8187% | 3,856 |
| Return on Equity (ROE) | 4.3521% | 4,250 |
| Retained earnings to average equity (ytd only) | 3.8476% | 3,625 |
| Net charge-offs to loans | -0.0052% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7410% | 1,338 |
| Assets per employee ($millions) | 5.8195% | 2,869 |
| Cash dividends to net income (ytd only)* | 11.5906% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,288 |
| Loan loss allowance to noncurrent loans | 1,456.6372% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,697 |
| Noncurrent loans to loans | 0.1112% | 3,539 |
| Net loans and leases to total assets | 55.4364% | 2,800 |
| Net loans and leases to deposits | 64.5190% | 2,795 |
| Net loans and leases to core deposits | 68.2464% | 2,759 |
| Total domestic deposits to total assets | 85.9226% | 2,780 |
| Equity capital to assets | 13.9781% | 740 |
| Core capital (leverage) ratio | 13.8876% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3113% | 467 |
| Memoranda: | ||
| Average total assets | $176,870,750 | 3,267 |
| Average earning assets | $170,133,250 | 3,213 |
| Average equity | $24,845,750 | 2,899 |
| Average total loans | $101,998,500 | 3,215 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0985% | 3,872 |
| Cost of funding earning assets | 0.5958% | 762 |
| Net interest margin | 2.5027% | 4,299 |
| Noninterest income to average assets | 0.2766% | 3,754 |
| Noninterest expense to average assets | 2.1925% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3745% | 4,431 |
| Return on assets (ROA) | 0.3745% | 4,467 |
| Pretax return on assets | 0.4895% | 4,401 |
| Return on Equity (ROE) | 2.6616% | 4,532 |
| Retained earnings to average equity (ytd only) | 1.9011% | 4,138 |
| Net charge-offs to loans | -0.0078% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7487% | 686 |
| Assets per employee ($millions) | 6.1167% | 2,507 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 1,296 |
| Loan loss allowance to noncurrent loans | 1,068.8312% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 3,627 |
| Noncurrent loans to loans | 0.1488% | 3,457 |
| Net loans and leases to total assets | 57.4184% | 2,733 |
| Net loans and leases to deposits | 66.8195% | 2,744 |
| Net loans and leases to core deposits | 70.8721% | 2,698 |
| Total domestic deposits to total assets | 85.9305% | 2,766 |
| Equity capital to assets | 13.9815% | 719 |
| Core capital (leverage) ratio | 13.6475% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1737% | 680 |
| Memoranda: | ||
| Average total assets | $175,693,333 | 3,282 |
| Average earning assets | $168,858,000 | 3,236 |
| Average equity | $24,722,000 | 2,895 |
| Average total loans | $102,113,000 | 3,226 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0683% | 3,947 |
| Cost of funding earning assets | 0.6146% | 822 |
| Net interest margin | 2.4537% | 4,364 |
| Noninterest income to average assets | 0.2631% | 3,818 |
| Noninterest expense to average assets | 2.1870% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3226% | 4,487 |
| Return on assets (ROA) | 0.3226% | 4,523 |
| Pretax return on assets | 0.4324% | 4,448 |
| Return on Equity (ROE) | 2.2850% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.2850% | 3,953 |
| Net charge-offs to loans | -0.0039% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4934% | 622 |
| Assets per employee ($millions) | 6.6286% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,335 |
| Loan loss allowance to noncurrent loans | 989.7590% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 3,725 |
| Noncurrent loans to loans | 0.1602% | 3,535 |
| Net loans and leases to total assets | 56.9860% | 2,912 |
| Net loans and leases to deposits | 66.2425% | 2,895 |
| Net loans and leases to core deposits | 69.9926% | 2,865 |
| Total domestic deposits to total assets | 86.0263% | 2,733 |
| Equity capital to assets | 13.8072% | 714 |
| Core capital (leverage) ratio | 14.0329% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0452% | 921 |
| Memoranda: | ||
| Average total assets | $174,848,000 | 3,289 |
| Average earning assets | $167,911,000 | 3,233 |
| Average equity | $24,682,500 | 2,891 |
| Average total loans | $101,421,000 | 3,237 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 3,061 |
| Cost of funding earning assets | 0.8635% | 977 |
| Net interest margin | 3.0250% | 3,831 |
| Noninterest income to average assets | 0.4946% | 2,655 |
| Noninterest expense to average assets | 2.2747% | 3,476 |
| Loan and lease loss provision to assets | 0.0250% | 4,081 |
| Net operating income to assets | 0.8014% | 3,084 |
| Return on assets (ROA) | 0.8014% | 3,206 |
| Pretax return on assets | 1.0813% | 2,763 |
| Return on Equity (ROE) | 5.3007% | 3,814 |
| Retained earnings to average equity (ytd only) | 4.4932% | 2,534 |
| Net charge-offs to loans | -0.0241% | 4,478 |
| Credit loss provision to net charge-offs | -160.0000% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2778% | 2,328 |
| Assets per employee ($millions) | 6.3231% | 2,070 |
| Cash dividends to net income (ytd only)* | 15.2344% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 1,149 |
| Loan loss allowance to noncurrent loans | 954.6512% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 3,808 |
| Noncurrent loans to loans | 0.1734% | 3,591 |
| Net loans and leases to total assets | 57.1496% | 3,184 |
| Net loans and leases to deposits | 66.9131% | 3,193 |
| Net loans and leases to core deposits | 71.6327% | 3,113 |
| Total domestic deposits to total assets | 85.4086% | 2,611 |
| Equity capital to assets | 14.4409% | 691 |
| Core capital (leverage) ratio | 14.7765% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6627% | 459 |
| Memoranda: | ||
| Average total assets | $159,715,200 | 3,288 |
| Average earning assets | $152,398,600 | 3,241 |
| Average equity | $24,147,600 | 2,866 |
| Average total loans | $103,894,000 | 3,181 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 2,781 |
| Cost of funding earning assets | 0.9129% | 1,029 |
| Net interest margin | 3.1507% | 3,617 |
| Noninterest income to average assets | 0.4995% | 2,618 |
| Noninterest expense to average assets | 2.3045% | 3,411 |
| Loan and lease loss provision to assets | 0.0338% | 3,916 |
| Net operating income to assets | 0.8698% | 2,821 |
| Return on assets (ROA) | 0.8698% | 2,958 |
| Pretax return on assets | 1.1629% | 2,516 |
| Return on Equity (ROE) | 5.6838% | 3,668 |
| Retained earnings to average equity (ytd only) | 5.1953% | 2,473 |
| Net charge-offs to loans | -0.0165% | 4,364 |
| Credit loss provision to net charge-offs | -307.6923% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8176% | 2,490 |
| Assets per employee ($millions) | 5.8947% | 2,355 |
| Cash dividends to net income (ytd only)* | 8.5938% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,264 |
| Loan loss allowance to noncurrent loans | 534.4262% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 3,477 |
| Noncurrent loans to loans | 0.2883% | 3,243 |
| Net loans and leases to total assets | 65.4358% | 2,589 |
| Net loans and leases to deposits | 77.4260% | 2,599 |
| Net loans and leases to core deposits | 84.0923% | 2,463 |
| Total domestic deposits to total assets | 84.5139% | 2,626 |
| Equity capital to assets | 15.3981% | 557 |
| Core capital (leverage) ratio | 15.1465% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5564% | 544 |
| Memoranda: | ||
| Average total assets | $156,963,000 | 3,298 |
| Average earning assets | $149,548,500 | 3,247 |
| Average equity | $24,021,000 | 2,865 |
| Average total loans | $105,065,000 | 3,175 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 2,899 |
| Cost of funding earning assets | 0.9500% | 1,150 |
| Net interest margin | 3.2038% | 3,658 |
| Noninterest income to average assets | 0.5517% | 2,344 |
| Noninterest expense to average assets | 2.3427% | 3,419 |
| Loan and lease loss provision to assets | 0.0512% | 3,665 |
| Net operating income to assets | 0.9025% | 2,676 |
| Return on assets (ROA) | 0.9025% | 2,801 |
| Pretax return on assets | 1.2059% | 2,347 |
| Return on Equity (ROE) | 5.9097% | 3,547 |
| Retained earnings to average equity (ytd only) | 5.1721% | 2,392 |
| Net charge-offs to loans | -0.0038% | 3,934 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0782% | 2,649 |
| Assets per employee ($millions) | 5.8729% | 2,296 |
| Cash dividends to net income (ytd only)* | 12.4823% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 1,213 |
| Loan loss allowance to noncurrent loans | 408.8384% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,313 |
| Noncurrent loans to loans | 0.3712% | 3,078 |
| Net loans and leases to total assets | 66.2622% | 2,587 |
| Net loans and leases to deposits | 78.4655% | 2,604 |
| Net loans and leases to core deposits | 85.1341% | 2,512 |
| Total domestic deposits to total assets | 84.4476% | 2,577 |
| Equity capital to assets | 15.2598% | 577 |
| Core capital (leverage) ratio | 15.0355% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1787% | 565 |
| Memoranda: | ||
| Average total assets | $156,232,000 | 3,290 |
| Average earning assets | $148,634,000 | 3,236 |
| Average equity | $23,859,000 | 2,864 |
| Average total loans | $104,828,333 | 3,169 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,954 |
| Cost of funding earning assets | 0.9828% | 1,500 |
| Net interest margin | 3.3077% | 3,575 |
| Noninterest income to average assets | 0.5133% | 2,481 |
| Noninterest expense to average assets | 2.3887% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9415% | 2,371 |
| Return on assets (ROA) | 0.9415% | 2,477 |
| Pretax return on assets | 1.2588% | 2,001 |
| Return on Equity (ROE) | 6.1629% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.1629% | 1,814 |
| Net charge-offs to loans | -0.0038% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4880% | 3,029 |
| Assets per employee ($millions) | 5.5046% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,293 |
| Loan loss allowance to noncurrent loans | 465.4867% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 3,590 |
| Noncurrent loans to loans | 0.3255% | 3,326 |
| Net loans and leases to total assets | 66.5551% | 2,754 |
| Net loans and leases to deposits | 78.9794% | 2,779 |
| Net loans and leases to core deposits | 87.3653% | 2,570 |
| Total domestic deposits to total assets | 84.2689% | 2,687 |
| Equity capital to assets | 15.5163% | 669 |
| Core capital (leverage) ratio | 15.2920% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6147% | 686 |
| Memoranda: | ||
| Average total assets | $155,064,500 | 3,264 |
| Average earning assets | $146,930,500 | 3,220 |
| Average equity | $23,690,000 | 2,873 |
| Average total loans | $103,898,000 | 3,174 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 2,846 |
| Cost of funding earning assets | 0.9339% | 2,040 |
| Net interest margin | 3.5953% | 3,149 |
| Noninterest income to average assets | 0.5114% | 2,666 |
| Noninterest expense to average assets | 2.3057% | 3,934 |
| Loan and lease loss provision to assets | 0.3023% | 553 |
| Net operating income to assets | 0.9859% | 2,893 |
| Return on assets (ROA) | 0.9859% | 2,976 |
| Pretax return on assets | 1.3191% | 2,444 |
| Return on Equity (ROE) | 6.6016% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,056 |
| Net charge-offs to loans | 0.1040% | 1,689 |
| Credit loss provision to net charge-offs | 425.9259% | 671 |
| Earnings coverage of net charge-offs (x) | 22.8426% | 1,836 |
| Efficiency ratio | 58.7113% | 3,877 |
| Assets per employee ($millions) | 5.5715% | 2,008 |
| Cash dividends to net income (ytd only)* | 14.2667% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 1,163 |
| Loan loss allowance to noncurrent loans | 553.3333% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,740 |
| Noncurrent loans to loans | 0.2750% | 3,463 |
| Net loans and leases to total assets | 65.4233% | 3,022 |
| Net loans and leases to deposits | 77.1244% | 3,082 |
| Net loans and leases to core deposits | 85.8875% | 2,797 |
| Total domestic deposits to total assets | 84.8283% | 2,562 |
| Equity capital to assets | 15.0416% | 780 |
| Core capital (leverage) ratio | 15.0617% | 676 |
| Tier 1 risk-based capital ratio | 20.1609% | 1,305 |
| Total risk-based capital ratio | 21.4122% | 1,276 |
| Memoranda: | ||
| Average total assets | $152,144,800 | 3,267 |
| Average earning assets | $144,550,200 | 3,226 |
| Average equity | $22,721,800 | 2,892 |
| Average total loans | $103,870,400 | 3,176 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 2,951 |
| Cost of funding earning assets | 0.9101% | 2,186 |
| Net interest margin | 3.6237% | 3,186 |
| Noninterest income to average assets | 0.5503% | 2,458 |
| Noninterest expense to average assets | 2.3115% | 3,921 |
| Loan and lease loss provision to assets | 0.4057% | 324 |
| Net operating income to assets | 0.9657% | 3,098 |
| Return on assets (ROA) | 0.9657% | 3,177 |
| Pretax return on assets | 1.2814% | 2,723 |
| Return on Equity (ROE) | 6.4783% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.8808% | 2,427 |
| Net charge-offs to loans | 0.1655% | 1,021 |
| Credit loss provision to net charge-offs | 356.5891% | 847 |
| Earnings coverage of net charge-offs (x) | 14.8291% | 2,228 |
| Efficiency ratio | 57.8077% | 3,965 |
| Assets per employee ($millions) | 5.5882% | 1,947 |
| Cash dividends to net income (ytd only)* | 9.2235% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 1,241 |
| Loan loss allowance to noncurrent loans | 403.1088% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,143 |
| Noncurrent loans to loans | 0.3728% | 3,223 |
| Net loans and leases to total assets | 67.5866% | 2,854 |
| Net loans and leases to deposits | 79.9454% | 2,902 |
| Net loans and leases to core deposits | 89.4024% | 2,595 |
| Total domestic deposits to total assets | 84.5409% | 2,609 |
| Equity capital to assets | 15.3656% | 756 |
| Core capital (leverage) ratio | 15.0927% | 723 |
| Tier 1 risk-based capital ratio | 19.7680% | 1,409 |
| Total risk-based capital ratio | 21.0193% | 1,369 |
| Memoranda: | ||
| Average total assets | $151,180,750 | 3,315 |
| Average earning assets | $143,865,750 | 3,265 |
| Average equity | $22,536,000 | 2,932 |
| Average total loans | $103,928,500 | 3,209 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 3,212 |
| Cost of funding earning assets | 0.8710% | 2,294 |
| Net interest margin | 3.5700% | 3,365 |
| Noninterest income to average assets | 0.5407% | 2,432 |
| Noninterest expense to average assets | 2.4048% | 3,725 |
| Loan and lease loss provision to assets | 0.5354% | 209 |
| Net operating income to assets | 0.7615% | 3,787 |
| Return on assets (ROA) | 0.7615% | 3,852 |
| Pretax return on assets | 0.9981% | 3,560 |
| Return on Equity (ROE) | 5.1613% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.2563% | 3,125 |
| Net charge-offs to loans | 0.2422% | 696 |
| Credit loss provision to net charge-offs | 321.4286% | 853 |
| Earnings coverage of net charge-offs (x) | 9.2063% | 2,347 |
| Efficiency ratio | 61.0608% | 3,573 |
| Assets per employee ($millions) | 5.4029% | 2,046 |
| Cash dividends to net income (ytd only)* | 17.5347% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,457 |
| Loan loss allowance to noncurrent loans | 59.9681% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.7458% | 591 |
| Noncurrent loans to loans | 2.4043% | 512 |
| Net loans and leases to total assets | 67.9581% | 2,821 |
| Net loans and leases to deposits | 80.0353% | 2,947 |
| Net loans and leases to core deposits | 88.8811% | 2,714 |
| Total domestic deposits to total assets | 84.9101% | 2,516 |
| Equity capital to assets | 14.9755% | 817 |
| Core capital (leverage) ratio | 14.7345% | 765 |
| Tier 1 risk-based capital ratio | 19.2377% | 1,497 |
| Total risk-based capital ratio | 20.4883% | 1,465 |
| Memoranda: | ||
| Average total assets | $151,280,330 | 3,335 |
| Average earning assets | $143,979,330 | 3,283 |
| Average equity | $22,320,000 | 2,944 |
| Average total loans | $104,060,670 | 3,225 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,707 |
| Cost of funding earning assets | 0.8263% | 2,388 |
| Net interest margin | 3.4250% | 3,823 |
| Noninterest income to average assets | 0.4918% | 2,608 |
| Noninterest expense to average assets | 2.3823% | 3,817 |
| Loan and lease loss provision to assets | 1.0709% | 79 |
| Net operating income to assets | 0.2671% | 4,939 |
| Return on assets (ROA) | 0.2671% | 4,946 |
| Pretax return on assets | 0.2935% | 4,967 |
| Return on Equity (ROE) | 1.8237% | 4,987 |
| Retained earnings to average equity (ytd only) | 1.8237% | 4,113 |
| Net charge-offs to loans | 0.5119% | 291 |
| Credit loss provision to net charge-offs | 304.5113% | 814 |
| Earnings coverage of net charge-offs (x) | 3.8797% | 2,369 |
| Efficiency ratio | 63.5850% | 3,303 |
| Assets per employee ($millions) | 5.4290% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,552 |
| Loan loss allowance to noncurrent loans | 50.8319% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.0248% | 479 |
| Noncurrent loans to loans | 2.8233% | 416 |
| Net loans and leases to total assets | 67.6350% | 2,812 |
| Net loans and leases to deposits | 79.3918% | 2,905 |
| Net loans and leases to core deposits | 88.0672% | 2,677 |
| Total domestic deposits to total assets | 85.1914% | 2,604 |
| Equity capital to assets | 14.6290% | 843 |
| Core capital (leverage) ratio | 14.3993% | 845 |
| Tier 1 risk-based capital ratio | 19.1402% | 1,520 |
| Total risk-based capital ratio | 20.3902% | 1,490 |
| Memoranda: | ||
| Average total assets | $151,280,500 | 3,374 |
| Average earning assets | $143,767,500 | 3,321 |
| Average equity | $22,152,500 | 2,961 |
| Average total loans | $103,935,500 | 3,254 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 3,036 |
| Cost of funding earning assets | 0.6288% | 2,533 |
| Net interest margin | 3.6930% | 3,057 |
| Noninterest income to average assets | 0.5217% | 2,709 |
| Noninterest expense to average assets | 2.4992% | 3,619 |
| Loan and lease loss provision to assets | 0.1369% | 1,567 |
| Net operating income to assets | 1.0570% | 2,770 |
| Return on assets (ROA) | 1.0538% | 2,775 |
| Pretax return on assets | 1.3879% | 2,182 |
| Return on Equity (ROE) | 7.2596% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.2501% | 2,063 |
| Net charge-offs to loans | 0.0010% | 3,742 |
| Credit loss provision to net charge-offs | 20,000.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 2,233.0000% | 41 |
| Efficiency ratio | 62.0432% | 3,517 |
| Assets per employee ($millions) | 5.3767% | 2,083 |
| Cash dividends to net income (ytd only)* | 13.9051% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,660 |
| Loan loss allowance to noncurrent loans | 40.6437% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.0904% | 446 |
| Noncurrent loans to loans | 2.9104% | 359 |
| Net loans and leases to total assets | 67.9750% | 2,885 |
| Net loans and leases to deposits | 79.8089% | 2,975 |
| Net loans and leases to core deposits | 88.0733% | 2,748 |
| Total domestic deposits to total assets | 85.1722% | 2,576 |
| Equity capital to assets | 14.6578% | 794 |
| Core capital (leverage) ratio | 14.7753% | 736 |
| Tier 1 risk-based capital ratio | 18.1836% | 1,705 |
| Total risk-based capital ratio | 19.2116% | 1,725 |
| Memoranda: | ||
| Average total assets | $146,047,600 | 3,426 |
| Average earning assets | $138,669,400 | 3,376 |
| Average equity | $21,199,600 | 2,967 |
| Average total loans | $103,288,200 | 3,241 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,067 |
| Cost of funding earning assets | 0.5843% | 2,589 |
| Net interest margin | 3.6879% | 3,065 |
| Noninterest income to average assets | 0.5170% | 2,760 |
| Noninterest expense to average assets | 2.5043% | 3,583 |
| Loan and lease loss provision to assets | 0.1840% | 989 |
| Net operating income to assets | 1.0247% | 2,990 |
| Return on assets (ROA) | 1.0203% | 3,019 |
| Pretax return on assets | 1.3303% | 2,505 |
| Return on Equity (ROE) | 7.0469% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.4051% | 2,431 |
| Net charge-offs to loans | 0.0245% | 2,634 |
| Credit loss provision to net charge-offs | 1,052.6316% | 403 |
| Earnings coverage of net charge-offs (x) | 86.9566% | 839 |
| Efficiency ratio | 62.2314% | 3,472 |
| Assets per employee ($millions) | 5.1449% | 2,287 |
| Cash dividends to net income (ytd only)* | 9.1071% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,006 |
| Loan loss allowance to noncurrent loans | 41.4349% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.0540% | 514 |
| Noncurrent loans to loans | 2.7356% | 442 |
| Net loans and leases to total assets | 73.0803% | 2,154 |
| Net loans and leases to deposits | 88.6350% | 2,072 |
| Net loans and leases to core deposits | 94.4358% | 2,251 |
| Total domestic deposits to total assets | 82.4508% | 3,476 |
| Equity capital to assets | 15.0648% | 701 |
| Core capital (leverage) ratio | 14.7969% | 755 |
| Tier 1 risk-based capital ratio | 18.4611% | 1,682 |
| Total risk-based capital ratio | 19.5054% | 1,683 |
| Memoranda: | ||
| Average total assets | $144,922,500 | 3,481 |
| Average earning assets | $137,818,500 | 3,423 |
| Average equity | $20,982,750 | 3,012 |
| Average total loans | $103,220,250 | 3,272 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,143 |
| Cost of funding earning assets | 0.5488% | 2,622 |
| Net interest margin | 3.6433% | 3,143 |
| Noninterest income to average assets | 0.5413% | 2,623 |
| Noninterest expense to average assets | 2.4805% | 3,681 |
| Loan and lease loss provision to assets | 0.2755% | 540 |
| Net operating income to assets | 0.9655% | 3,165 |
| Return on assets (ROA) | 0.9655% | 3,166 |
| Pretax return on assets | 1.2506% | 2,724 |
| Return on Equity (ROE) | 6.7589% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.7851% | 2,679 |
| Net charge-offs to loans | 0.0176% | 2,560 |
| Credit loss provision to net charge-offs | 2,222.2222% | 189 |
| Earnings coverage of net charge-offs (x) | 123.1111% | 604 |
| Efficiency ratio | 61.9113% | 3,632 |
| Assets per employee ($millions) | 5.3434% | 2,053 |
| Cash dividends to net income (ytd only)* | 14.4080% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,853 |
| Loan loss allowance to noncurrent loans | 39.7842% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.1473% | 474 |
| Noncurrent loans to loans | 2.9532% | 388 |
| Net loans and leases to total assets | 70.9535% | 2,440 |
| Net loans and leases to deposits | 83.1575% | 2,627 |
| Net loans and leases to core deposits | 87.9486% | 2,724 |
| Total domestic deposits to total assets | 85.3242% | 2,558 |
| Equity capital to assets | 14.5503% | 795 |
| Core capital (leverage) ratio | 14.1280% | 871 |
| Tier 1 risk-based capital ratio | 18.2491% | 1,737 |
| Total risk-based capital ratio | 19.3285% | 1,740 |
| Memoranda: | ||
| Average total assets | $145,210,670 | 3,499 |
| Average earning assets | $138,116,000 | 3,439 |
| Average equity | $20,743,000 | 3,061 |
| Average total loans | $102,132,000 | 3,304 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,460 |
| Cost of funding earning assets | 0.5262% | 2,579 |
| Net interest margin | 3.5154% | 3,482 |
| Noninterest income to average assets | 0.5135% | 2,729 |
| Noninterest expense to average assets | 2.4849% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0489% | 2,654 |
| Return on assets (ROA) | 1.0489% | 2,667 |
| Pretax return on assets | 1.3674% | 2,117 |
| Return on Equity (ROE) | 7.4108% | 3,627 |
| Retained earnings to average equity (ytd only) | 7.4108% | 2,098 |
| Net charge-offs to loans | 0.0316% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 825 |
| Efficiency ratio | 64.5046% | 3,400 |
| Assets per employee ($millions) | 5.0298% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,993 |
| Loan loss allowance to noncurrent loans | 190.2804% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 3,367 |
| Noncurrent loans to loans | 0.5230% | 2,952 |
| Net loans and leases to total assets | 69.4295% | 2,575 |
| Net loans and leases to deposits | 81.1500% | 2,680 |
| Net loans and leases to core deposits | 85.8165% | 2,821 |
| Total domestic deposits to total assets | 85.5570% | 2,726 |
| Equity capital to assets | 14.2421% | 827 |
| Core capital (leverage) ratio | 14.0949% | 857 |
| Tier 1 risk-based capital ratio | 18.3369% | 1,735 |
| Total risk-based capital ratio | 19.2515% | 1,786 |
| Memoranda: | ||
| Average total assets | $145,680,000 | 3,523 |
| Average earning assets | $138,361,000 | 3,474 |
| Average equity | $20,618,500 | 3,096 |
| Average total loans | $101,406,500 | 3,334 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 3,382 |
| Cost of funding earning assets | 0.5026% | 2,312 |
| Net interest margin | 3.5044% | 3,514 |
| Noninterest income to average assets | 0.4913% | 3,051 |
| Noninterest expense to average assets | 2.3378% | 4,237 |
| Loan and lease loss provision to assets | 0.0694% | 2,812 |
| Net operating income to assets | 0.7572% | 3,356 |
| Return on assets (ROA) | 0.7564% | 3,401 |
| Pretax return on assets | 1.4066% | 1,968 |
| Return on Equity (ROE) | 5.4024% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.4061% | 2,517 |
| Net charge-offs to loans | 0.0212% | 3,397 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 106.4500% | 618 |
| Efficiency ratio | 61.2768% | 4,057 |
| Assets per employee ($millions) | 5.1963% | 2,255 |
| Cash dividends to net income (ytd only)* | 18.4404% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,805 |
| Loan loss allowance to noncurrent loans | 297.3913% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 3,958 |
| Noncurrent loans to loans | 0.3432% | 3,529 |
| Net loans and leases to total assets | 68.3842% | 2,769 |
| Net loans and leases to deposits | 79.6907% | 2,951 |
| Net loans and leases to core deposits | 83.9099% | 3,062 |
| Total domestic deposits to total assets | 85.8121% | 2,529 |
| Equity capital to assets | 14.0642% | 892 |
| Core capital (leverage) ratio | 14.0063% | 833 |
| Tier 1 risk-based capital ratio | 17.8583% | 1,842 |
| Total risk-based capital ratio | 18.7832% | 1,889 |
| Memoranda: | ||
| Average total assets | $144,111,000 | 3,549 |
| Average earning assets | $136,685,400 | 3,497 |
| Average equity | $20,176,400 | 3,123 |
| Average total loans | $94,289,400 | 3,444 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,494 |
| Cost of funding earning assets | 0.4980% | 2,284 |
| Net interest margin | 3.4600% | 3,639 |
| Noninterest income to average assets | 0.5129% | 2,955 |
| Noninterest expense to average assets | 2.3427% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9877% | 2,609 |
| Return on assets (ROA) | 0.9877% | 2,668 |
| Pretax return on assets | 1.4560% | 1,924 |
| Return on Equity (ROE) | 7.0628% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.3930% | 2,015 |
| Net charge-offs to loans | 0.0331% | 2,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 68.2517% | 909 |
| Efficiency ratio | 61.6699% | 3,926 |
| Assets per employee ($millions) | 5.2844% | 2,138 |
| Cash dividends to net income (ytd only)* | 9.4834% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 4,253 |
| Loan loss allowance to noncurrent loans | 250.1355% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,027 |
| Noncurrent loans to loans | 0.3865% | 3,571 |
| Net loans and leases to total assets | 66.2732% | 3,065 |
| Net loans and leases to deposits | 77.6651% | 3,199 |
| Net loans and leases to core deposits | 80.5277% | 3,409 |
| Total domestic deposits to total assets | 85.3321% | 2,582 |
| Equity capital to assets | 14.4723% | 864 |
| Core capital (leverage) ratio | 14.0747% | 879 |
| Tier 1 risk-based capital ratio | 18.7793% | 1,649 |
| Total risk-based capital ratio | 19.6527% | 1,710 |
| Memoranda: | ||
| Average total assets | $143,764,500 | 3,586 |
| Average earning assets | $136,529,000 | 3,528 |
| Average equity | $20,104,750 | 3,155 |
| Average total loans | $92,731,000 | 3,507 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 3,562 |
| Cost of funding earning assets | 0.4973% | 2,177 |
| Net interest margin | 3.3980% | 3,778 |
| Noninterest income to average assets | 0.4968% | 3,048 |
| Noninterest expense to average assets | 2.3382% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9464% | 2,682 |
| Return on assets (ROA) | 0.9464% | 2,741 |
| Pretax return on assets | 1.3821% | 2,092 |
| Return on Equity (ROE) | 6.8462% | 3,639 |
| Retained earnings to average equity (ytd only) | 5.8324% | 2,210 |
| Net charge-offs to loans | 0.0305% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 71.1429% | 833 |
| Efficiency ratio | 62.8497% | 3,841 |
| Assets per employee ($millions) | 5.3002% | 2,058 |
| Cash dividends to net income (ytd only)* | 14.8094% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 4,250 |
| Loan loss allowance to noncurrent loans | 216.7442% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 3,929 |
| Noncurrent loans to loans | 0.4538% | 3,386 |
| Net loans and leases to total assets | 65.5693% | 3,170 |
| Net loans and leases to deposits | 76.5671% | 3,275 |
| Net loans and leases to core deposits | 79.3655% | 3,474 |
| Total domestic deposits to total assets | 85.6364% | 2,556 |
| Equity capital to assets | 14.1707% | 910 |
| Core capital (leverage) ratio | 13.6715% | 947 |
| Tier 1 risk-based capital ratio | 18.3125% | 1,770 |
| Total risk-based capital ratio | 19.1879% | 1,825 |
| Memoranda: | ||
| Average total assets | $144,126,330 | 3,594 |
| Average earning assets | $136,727,330 | 3,543 |
| Average equity | $19,923,330 | 3,168 |
| Average total loans | $91,814,330 | 3,542 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 3,722 |
| Cost of funding earning assets | 0.4966% | 2,120 |
| Net interest margin | 3.3153% | 3,952 |
| Noninterest income to average assets | 0.4950% | 3,015 |
| Noninterest expense to average assets | 2.2346% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9596% | 2,480 |
| Return on assets (ROA) | 0.9596% | 2,540 |
| Pretax return on assets | 1.3994% | 1,896 |
| Return on Equity (ROE) | 7.0294% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.0294% | 1,840 |
| Net charge-offs to loans | 0.0708% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 31.6250% | 1,184 |
| Efficiency ratio | 61.4916% | 4,230 |
| Assets per employee ($millions) | 5.5799% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 4,197 |
| Loan loss allowance to noncurrent loans | 241.5584% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 4,153 |
| Noncurrent loans to loans | 0.4199% | 3,589 |
| Net loans and leases to total assets | 62.5530% | 3,461 |
| Net loans and leases to deposits | 72.7939% | 3,534 |
| Net loans and leases to core deposits | 75.4044% | 3,705 |
| Total domestic deposits to total assets | 85.9316% | 2,700 |
| Equity capital to assets | 13.7589% | 984 |
| Core capital (leverage) ratio | 13.4172% | 1,000 |
| Tier 1 risk-based capital ratio | 18.7145% | 1,688 |
| Total risk-based capital ratio | 19.6201% | 1,733 |
| Memoranda: | ||
| Average total assets | $144,637,000 | 3,623 |
| Average earning assets | $136,939,000 | 3,577 |
| Average equity | $19,745,500 | 3,199 |
| Average total loans | $90,339,000 | 3,593 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 3,704 |
| Cost of funding earning assets | 0.5168% | 1,964 |
| Net interest margin | 3.3453% | 4,008 |
| Noninterest income to average assets | 0.3754% | 4,061 |
| Noninterest expense to average assets | 2.3689% | 4,369 |
| Loan and lease loss provision to assets | 0.1057% | 2,286 |
| Net operating income to assets | 0.7622% | 3,480 |
| Return on assets (ROA) | 0.7622% | 3,588 |
| Pretax return on assets | 1.0791% | 3,182 |
| Return on Equity (ROE) | 5.6022% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.6236% | 2,615 |
| Net charge-offs to loans | 0.0853% | 2,477 |
| Credit loss provision to net charge-offs | 202.7027% | 1,398 |
| Earnings coverage of net charge-offs (x) | 22.7297% | 1,717 |
| Efficiency ratio | 66.6601% | 3,488 |
| Assets per employee ($millions) | 5.5460% | 1,829 |
| Cash dividends to net income (ytd only)* | 17.4677% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,933 |
| Loan loss allowance to noncurrent loans | 301.2739% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,440 |
| Noncurrent loans to loans | 0.3528% | 3,872 |
| Net loans and leases to total assets | 61.0637% | 3,717 |
| Net loans and leases to deposits | 70.8053% | 3,827 |
| Net loans and leases to core deposits | 73.1943% | 3,990 |
| Total domestic deposits to total assets | 86.2417% | 2,476 |
| Equity capital to assets | 13.5440% | 1,025 |
| Core capital (leverage) ratio | 13.3218% | 1,025 |
| Tier 1 risk-based capital ratio | 18.5055% | 1,725 |
| Total risk-based capital ratio | 19.4332% | 1,767 |
| Memoranda: | ||
| Average total assets | $141,964,000 | 3,642 |
| Average earning assets | $134,875,000 | 3,574 |
| Average equity | $19,313,800 | 3,236 |
| Average total loans | $86,733,200 | 3,644 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 3,823 |
| Cost of funding earning assets | 0.5170% | 1,959 |
| Net interest margin | 3.3177% | 4,134 |
| Noninterest income to average assets | 0.3640% | 4,175 |
| Noninterest expense to average assets | 2.3044% | 4,522 |
| Loan and lease loss provision to assets | 0.1226% | 1,900 |
| Net operating income to assets | 0.7788% | 3,464 |
| Return on assets (ROA) | 0.7788% | 3,607 |
| Pretax return on assets | 1.0956% | 3,247 |
| Return on Equity (ROE) | 5.7182% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.0675% | 2,781 |
| Net charge-offs to loans | 0.0464% | 2,716 |
| Credit loss provision to net charge-offs | 433.3333% | 793 |
| Earnings coverage of net charge-offs (x) | 43.0655% | 1,184 |
| Efficiency ratio | 65.4176% | 3,684 |
| Assets per employee ($millions) | 5.4387% | 1,913 |
| Cash dividends to net income (ytd only)* | 11.3801% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,853 |
| Loan loss allowance to noncurrent loans | 254.5932% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 4,354 |
| Noncurrent loans to loans | 0.4306% | 3,739 |
| Net loans and leases to total assets | 61.8861% | 3,650 |
| Net loans and leases to deposits | 71.9584% | 3,810 |
| Net loans and leases to core deposits | 74.4487% | 3,964 |
| Total domestic deposits to total assets | 86.0026% | 2,348 |
| Equity capital to assets | 13.8892% | 1,084 |
| Core capital (leverage) ratio | 13.3179% | 1,062 |
| Tier 1 risk-based capital ratio | 18.5495% | 1,779 |
| Total risk-based capital ratio | 19.5049% | 1,820 |
| Memoranda: | ||
| Average total assets | $141,405,750 | 3,665 |
| Average earning assets | $134,628,500 | 3,598 |
| Average equity | $19,259,750 | 3,261 |
| Average total loans | $86,167,000 | 3,677 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 3,951 |
| Cost of funding earning assets | 0.5144% | 1,987 |
| Net interest margin | 3.2873% | 4,272 |
| Noninterest income to average assets | 0.3791% | 4,032 |
| Noninterest expense to average assets | 2.2899% | 4,638 |
| Loan and lease loss provision to assets | 0.1414% | 1,607 |
| Net operating income to assets | 0.7666% | 3,471 |
| Return on assets (ROA) | 0.7666% | 3,614 |
| Pretax return on assets | 1.0749% | 3,307 |
| Return on Equity (ROE) | 5.6656% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.6830% | 2,929 |
| Net charge-offs to loans | -0.0117% | 4,747 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3086% | 3,790 |
| Assets per employee ($millions) | 5.4608% | 1,831 |
| Cash dividends to net income (ytd only)* | 17.3432% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,780 |
| Loan loss allowance to noncurrent loans | 199.3865% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 3,842 |
| Noncurrent loans to loans | 0.5671% | 3,366 |
| Net loans and leases to total assets | 60.0439% | 3,881 |
| Net loans and leases to deposits | 69.6575% | 4,013 |
| Net loans and leases to core deposits | 72.0482% | 4,176 |
| Total domestic deposits to total assets | 86.1989% | 2,328 |
| Equity capital to assets | 13.6920% | 1,143 |
| Core capital (leverage) ratio | 13.2345% | 1,073 |
| Tier 1 risk-based capital ratio | 18.6723% | 1,762 |
| Total risk-based capital ratio | 19.6507% | 1,789 |
| Memoranda: | ||
| Average total assets | $141,406,000 | 3,687 |
| Average earning assets | $134,516,000 | 3,619 |
| Average equity | $19,133,000 | 3,284 |
| Average total loans | $85,396,000 | 3,706 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 3,981 |
| Cost of funding earning assets | 0.5192% | 1,950 |
| Net interest margin | 3.2701% | 4,331 |
| Noninterest income to average assets | 0.3571% | 4,171 |
| Noninterest expense to average assets | 2.2307% | 4,831 |
| Loan and lease loss provision to assets | 0.2834% | 581 |
| Net operating income to assets | 0.7171% | 3,626 |
| Return on assets (ROA) | 0.7171% | 3,743 |
| Pretax return on assets | 0.9496% | 3,660 |
| Return on Equity (ROE) | 5.3321% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.3321% | 2,750 |
| Net charge-offs to loans | -0.0188% | 4,820 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4026% | 4,057 |
| Assets per employee ($millions) | 5.8831% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,829 |
| Loan loss allowance to noncurrent loans | 132.3370% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 3,283 |
| Noncurrent loans to loans | 0.8619% | 2,689 |
| Net loans and leases to total assets | 59.7858% | 3,807 |
| Net loans and leases to deposits | 69.2849% | 3,920 |
| Net loans and leases to core deposits | 71.6703% | 4,089 |
| Total domestic deposits to total assets | 86.2898% | 2,544 |
| Equity capital to assets | 13.5664% | 1,150 |
| Core capital (leverage) ratio | 13.2953% | 1,055 |
| Tier 1 risk-based capital ratio | 18.6158% | 1,822 |
| Total risk-based capital ratio | 19.6005% | 1,855 |
| Memoranda: | ||
| Average total assets | $141,118,500 | 3,720 |
| Average earning assets | $134,063,500 | 3,652 |
| Average equity | $18,979,500 | 3,307 |
| Average total loans | $84,981,000 | 3,723 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,577 |
| Cost of funding earning assets | 0.5099% | 2,071 |
| Net interest margin | 3.6854% | 2,804 |
| Noninterest income to average assets | 0.4272% | 3,834 |
| Noninterest expense to average assets | 2.4042% | 4,501 |
| Loan and lease loss provision to assets | 0.0915% | 2,474 |
| Net operating income to assets | 0.9717% | 2,511 |
| Return on assets (ROA) | 0.9441% | 2,717 |
| Pretax return on assets | 1.4143% | 1,840 |
| Return on Equity (ROE) | 6.7308% | 3,666 |
| Retained earnings to average equity (ytd only) | 5.6286% | 1,996 |
| Net charge-offs to loans | 0.1236% | 2,134 |
| Credit loss provision to net charge-offs | 109.8901% | 2,297 |
| Earnings coverage of net charge-offs (x) | 18.5824% | 2,002 |
| Efficiency ratio | 60.8474% | 4,778 |
| Assets per employee ($millions) | 6.1323% | 1,296 |
| Cash dividends to net income (ytd only)* | 16.3760% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,443 |
| Loan loss allowance to noncurrent loans | 207.6372% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 4,122 |
| Noncurrent loans to loans | 0.4954% | 3,709 |
| Net loans and leases to total assets | 59.3464% | 3,925 |
| Net loans and leases to deposits | 68.5862% | 4,071 |
| Net loans and leases to core deposits | 70.5940% | 4,259 |
| Total domestic deposits to total assets | 86.5282% | 2,364 |
| Equity capital to assets | 13.3321% | 1,194 |
| Core capital (leverage) ratio | 14.9033% | 632 |
| Tier 1 risk-based capital ratio | 18.5989% | 1,809 |
| Total risk-based capital ratio | 19.4985% | 1,861 |
| Memoranda: | ||
| Average total assets | $109,308,400 | 4,273 |
| Average earning assets | $104,521,200 | 4,175 |
| Average equity | $15,332,400 | 3,778 |
| Average total loans | $73,604,200 | 4,008 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,208 |
| Cost of funding earning assets | 0.5043% | 2,172 |
| Net interest margin | 3.8018% | 2,372 |
| Noninterest income to average assets | 0.4590% | 3,650 |
| Noninterest expense to average assets | 2.5108% | 4,163 |
| Loan and lease loss provision to assets | 0.0658% | 2,867 |
| Net operating income to assets | 1.0128% | 2,405 |
| Return on assets (ROA) | 1.0180% | 2,480 |
| Pretax return on assets | 1.5388% | 1,577 |
| Return on Equity (ROE) | 7.1345% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.4432% | 1,995 |
| Net charge-offs to loans | 0.1656% | 1,491 |
| Credit loss provision to net charge-offs | 56.8182% | 2,949 |
| Earnings coverage of net charge-offs (x) | 13.7955% | 2,291 |
| Efficiency ratio | 61.1271% | 4,703 |
| Assets per employee ($millions) | 5.6063% | 1,683 |
| Cash dividends to net income (ytd only)* | 9.6902% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 4,061 |
| Loan loss allowance to noncurrent loans | 176.2313% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 3,619 |
| Noncurrent loans to loans | 0.6407% | 3,400 |
| Net loans and leases to total assets | 71.4182% | 2,152 |
| Net loans and leases to deposits | 85.7345% | 2,173 |
| Net loans and leases to core deposits | 89.1207% | 2,547 |
| Total domestic deposits to total assets | 83.3016% | 3,698 |
| Equity capital to assets | 14.6848% | 810 |
| Core capital (leverage) ratio | 14.5492% | 726 |
| Tier 1 risk-based capital ratio | 18.5237% | 1,889 |
| Total risk-based capital ratio | 19.5647% | 1,909 |
| Memoranda: | ||
| Average total assets | $101,374,750 | 4,484 |
| Average earning assets | $97,284,750 | 4,398 |
| Average equity | $14,464,500 | 3,955 |
| Average total loans | $70,861,750 | 4,113 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 2,261 |
| Cost of funding earning assets | 0.5049% | 2,206 |
| Net interest margin | 3.7704% | 2,436 |
| Noninterest income to average assets | 0.4393% | 3,777 |
| Noninterest expense to average assets | 2.5372% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0125% | 2,326 |
| Return on assets (ROA) | 1.0204% | 2,400 |
| Pretax return on assets | 1.5326% | 1,550 |
| Return on Equity (ROE) | 7.2214% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.1758% | 2,135 |
| Net charge-offs to loans | 0.2508% | 1,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.7727% | 2,533 |
| Efficiency ratio | 62.5243% | 4,589 |
| Assets per employee ($millions) | 5.5794% | 1,676 |
| Cash dividends to net income (ytd only)* | 14.4788% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 4,334 |
| Loan loss allowance to noncurrent loans | 149.2278% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 3,570 |
| Noncurrent loans to loans | 0.7361% | 3,271 |
| Net loans and leases to total assets | 69.3017% | 2,443 |
| Net loans and leases to deposits | 81.1858% | 2,644 |
| Net loans and leases to core deposits | 84.0192% | 2,980 |
| Total domestic deposits to total assets | 85.3618% | 2,982 |
| Equity capital to assets | 14.4769% | 822 |
| Core capital (leverage) ratio | 14.2563% | 774 |
| Tier 1 risk-based capital ratio | 18.6318% | 1,888 |
| Total risk-based capital ratio | 19.6340% | 1,920 |
| Memoranda: | ||
| Average total assets | $101,528,330 | 4,521 |
| Average earning assets | $97,444,000 | 4,433 |
| Average equity | $14,346,330 | 3,990 |
| Average total loans | $70,184,330 | 4,153 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,333 |
| Cost of funding earning assets | 0.5032% | 2,254 |
| Net interest margin | 3.7308% | 2,508 |
| Noninterest income to average assets | 0.4075% | 3,940 |
| Noninterest expense to average assets | 2.5863% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9325% | 2,595 |
| Return on assets (ROA) | 0.9483% | 2,655 |
| Pretax return on assets | 1.4185% | 1,818 |
| Return on Equity (ROE) | 6.7930% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.7930% | 2,102 |
| Net charge-offs to loans | 0.1541% | 1,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.1852% | 1,741 |
| Efficiency ratio | 64.9606% | 4,324 |
| Assets per employee ($millions) | 5.2844% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 4,010 |
| Loan loss allowance to noncurrent loans | 75.2708% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 2,226 |
| Noncurrent loans to loans | 1.5884% | 1,760 |
| Net loans and leases to total assets | 68.6447% | 2,341 |
| Net loans and leases to deposits | 80.3352% | 2,527 |
| Net loans and leases to core deposits | 83.1839% | 2,849 |
| Total domestic deposits to total assets | 85.4478% | 3,202 |
| Equity capital to assets | 14.3241% | 879 |
| Core capital (leverage) ratio | 13.9343% | 847 |
| Tier 1 risk-based capital ratio | 17.9479% | 2,150 |
| Total risk-based capital ratio | 19.0116% | 2,181 |
| Memoranda: | ||
| Average total assets | $102,078,000 | 4,555 |
| Average earning assets | $97,781,000 | 4,465 |
| Average equity | $14,250,000 | 4,034 |
| Average total loans | $70,090,500 | 4,177 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,594 |
| Cost of funding earning assets | 0.5430% | 2,265 |
| Net interest margin | 3.7603% | 2,770 |
| Noninterest income to average assets | 0.4818% | 3,639 |
| Noninterest expense to average assets | 2.4985% | 4,555 |
| Loan and lease loss provision to assets | 0.0805% | 2,871 |
| Net operating income to assets | 1.0320% | 2,257 |
| Return on assets (ROA) | 1.0320% | 2,329 |
| Pretax return on assets | 1.5037% | 1,527 |
| Return on Equity (ROE) | 7.4824% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.3885% | 1,717 |
| Net charge-offs to loans | 0.1063% | 2,991 |
| Credit loss provision to net charge-offs | 114.2857% | 2,084 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,625 |
| Efficiency ratio | 61.1973% | 5,042 |
| Assets per employee ($millions) | 5.1876% | 2,085 |
| Cash dividends to net income (ytd only)* | 14.6199% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 3,865 |
| Loan loss allowance to noncurrent loans | 127.9346% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 3,346 |
| Noncurrent loans to loans | 0.9556% | 2,940 |
| Net loans and leases to total assets | 67.0483% | 2,720 |
| Net loans and leases to deposits | 77.7703% | 3,000 |
| Net loans and leases to core deposits | 80.1309% | 3,284 |
| Total domestic deposits to total assets | 86.2133% | 2,716 |
| Equity capital to assets | 13.6074% | 1,112 |
| Core capital (leverage) ratio | 13.7360% | 886 |
| Tier 1 risk-based capital ratio | 17.8194% | 2,197 |
| Total risk-based capital ratio | 18.9181% | 2,225 |
| Memoranda: | ||
| Average total assets | $99,418,200 | 4,614 |
| Average earning assets | $95,204,600 | 4,527 |
| Average equity | $13,712,200 | 4,070 |
| Average total loans | $65,832,600 | 4,301 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,631 |
| Cost of funding earning assets | 0.5499% | 2,294 |
| Net interest margin | 3.7506% | 2,808 |
| Noninterest income to average assets | 0.4963% | 3,573 |
| Noninterest expense to average assets | 2.5179% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0901% | 2,071 |
| Return on assets (ROA) | 1.0901% | 2,143 |
| Pretax return on assets | 1.5755% | 1,404 |
| Return on Equity (ROE) | 7.8759% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.1413% | 1,741 |
| Net charge-offs to loans | 0.0124% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 193.6613% | 331 |
| Efficiency ratio | 61.5104% | 4,961 |
| Assets per employee ($millions) | 4.7230% | 2,628 |
| Cash dividends to net income (ytd only)* | 9.3286% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,896 |
| Loan loss allowance to noncurrent loans | 93.7847% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 2,938 |
| Noncurrent loans to loans | 1.3402% | 2,404 |
| Net loans and leases to total assets | 66.9318% | 2,696 |
| Net loans and leases to deposits | 79.2534% | 2,812 |
| Net loans and leases to core deposits | 81.8245% | 3,115 |
| Total domestic deposits to total assets | 84.4530% | 3,564 |
| Equity capital to assets | 14.1153% | 966 |
| Core capital (leverage) ratio | 13.9576% | 852 |
| Tier 1 risk-based capital ratio | 18.5558% | 2,033 |
| Total risk-based capital ratio | 19.6906% | 2,039 |
| Memoranda: | ||
| Average total assets | $98,334,750 | 4,689 |
| Average earning assets | $94,310,500 | 4,592 |
| Average equity | $13,610,750 | 4,107 |
| Average total loans | $64,684,500 | 4,381 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 2,720 |
| Cost of funding earning assets | 0.5509% | 2,341 |
| Net interest margin | 3.7136% | 2,905 |
| Noninterest income to average assets | 0.4895% | 3,554 |
| Noninterest expense to average assets | 2.5313% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0545% | 2,109 |
| Return on assets (ROA) | 1.0545% | 2,182 |
| Pretax return on assets | 1.5196% | 1,482 |
| Return on Equity (ROE) | 7.6701% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.5574% | 2,003 |
| Net charge-offs to loans | 0.0188% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 124.1667% | 476 |
| Efficiency ratio | 62.4874% | 4,945 |
| Assets per employee ($millions) | 4.9600% | 2,266 |
| Cash dividends to net income (ytd only)* | 14.5068% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,859 |
| Loan loss allowance to noncurrent loans | 78.7512% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 2,716 |
| Noncurrent loans to loans | 1.6480% | 2,110 |
| Net loans and leases to total assets | 64.7849% | 2,948 |
| Net loans and leases to deposits | 75.3332% | 3,150 |
| Net loans and leases to core deposits | 77.7277% | 3,472 |
| Total domestic deposits to total assets | 85.9978% | 3,034 |
| Equity capital to assets | 13.8509% | 1,034 |
| Core capital (leverage) ratio | 13.6821% | 923 |
| Tier 1 risk-based capital ratio | 18.2114% | 2,165 |
| Total risk-based capital ratio | 19.3488% | 2,175 |
| Memoranda: | ||
| Average total assets | $98,052,000 | 4,726 |
| Average earning assets | $94,034,000 | 4,639 |
| Average equity | $13,481,000 | 4,137 |
| Average total loans | $63,836,000 | 4,429 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 2,846 |
| Cost of funding earning assets | 0.5485% | 2,432 |
| Net interest margin | 3.6596% | 3,024 |
| Noninterest income to average assets | 0.4678% | 3,651 |
| Noninterest expense to average assets | 2.4867% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0546% | 1,991 |
| Return on assets (ROA) | 1.0546% | 2,059 |
| Pretax return on assets | 1.4855% | 1,469 |
| Return on Equity (ROE) | 7.6995% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.6995% | 1,727 |
| Net charge-offs to loans | 0.0380% | 2,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 652 |
| Efficiency ratio | 62.6033% | 5,047 |
| Assets per employee ($millions) | 4.6919% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 3,952 |
| Loan loss allowance to noncurrent loans | 182.9004% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 4,435 |
| Noncurrent loans to loans | 0.7275% | 4,043 |
| Net loans and leases to total assets | 63.5995% | 2,964 |
| Net loans and leases to deposits | 73.8422% | 3,085 |
| Net loans and leases to core deposits | 75.4588% | 3,468 |
| Total domestic deposits to total assets | 86.1290% | 3,294 |
| Equity capital to assets | 13.7076% | 1,036 |
| Core capital (leverage) ratio | 13.7359% | 913 |
| Tier 1 risk-based capital ratio | 18.0986% | 2,255 |
| Total risk-based capital ratio | 19.2446% | 2,278 |
| Memoranda: | ||
| Average total assets | $97,478,500 | 4,786 |
| Average earning assets | $93,344,500 | 4,698 |
| Average equity | $13,351,500 | 4,175 |
| Average total loans | $63,198,500 | 4,483 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,746 |
| Cost of funding earning assets | 0.6222% | 2,464 |
| Net interest margin | 3.7352% | 2,921 |
| Noninterest income to average assets | 0.7507% | 2,289 |
| Noninterest expense to average assets | 2.4385% | 4,962 |
| Loan and lease loss provision to assets | 0.1019% | 3,101 |
| Net operating income to assets | 1.1833% | 1,632 |
| Return on assets (ROA) | 1.1632% | 1,767 |
| Pretax return on assets | 1.7153% | 917 |
| Return on Equity (ROE) | 8.8588% | 2,613 |
| Retained earnings to average equity (ytd only) | 7.6952% | 1,153 |
| Net charge-offs to loans | -0.0067% | 5,967 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9052% | 5,866 |
| Assets per employee ($millions) | 4.5918% | 2,731 |
| Cash dividends to net income (ytd only)* | 13.1349% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 3,878 |
| Loan loss allowance to noncurrent loans | 180.2966% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 4,457 |
| Noncurrent loans to loans | 0.7505% | 4,088 |
| Net loans and leases to total assets | 64.3350% | 2,983 |
| Net loans and leases to deposits | 74.7659% | 3,137 |
| Net loans and leases to core deposits | 76.4379% | 3,565 |
| Total domestic deposits to total assets | 86.0487% | 3,238 |
| Equity capital to assets | 13.6859% | 997 |
| Core capital (leverage) ratio | 13.5190% | 948 |
| Tier 1 risk-based capital ratio | 18.2577% | 2,167 |
| Total risk-based capital ratio | 19.4448% | 2,145 |
| Memoranda: | ||
| Average total assets | $98,176,200 | 4,791 |
| Average earning assets | $92,900,000 | 4,703 |
| Average equity | $12,891,200 | 4,288 |
| Average total loans | $59,453,400 | 4,633 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,936 |
| Cost of funding earning assets | 0.6362% | 2,496 |
| Net interest margin | 3.6755% | 3,131 |
| Noninterest income to average assets | 0.8275% | 2,017 |
| Noninterest expense to average assets | 2.3958% | 5,037 |
| Loan and lease loss provision to assets | 0.1352% | 2,589 |
| Net operating income to assets | 1.2196% | 1,569 |
| Return on assets (ROA) | 1.2196% | 1,641 |
| Pretax return on assets | 1.7644% | 971 |
| Return on Equity (ROE) | 9.3848% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.6045% | 1,195 |
| Net charge-offs to loans | -0.0023% | 5,693 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7759% | 5,930 |
| Assets per employee ($millions) | 4.8239% | 2,401 |
| Cash dividends to net income (ytd only)* | 8.3150% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,983 |
| Loan loss allowance to noncurrent loans | 159.3985% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 4,472 |
| Noncurrent loans to loans | 0.8663% | 4,086 |
| Net loans and leases to total assets | 62.7749% | 3,205 |
| Net loans and leases to deposits | 73.2236% | 3,359 |
| Net loans and leases to core deposits | 74.8637% | 3,751 |
| Total domestic deposits to total assets | 85.7304% | 3,385 |
| Equity capital to assets | 13.5233% | 1,109 |
| Core capital (leverage) ratio | 13.5240% | 1,013 |
| Tier 1 risk-based capital ratio | 18.6245% | 2,108 |
| Total risk-based capital ratio | 19.8467% | 2,084 |
| Memoranda: | ||
| Average total assets | $98,613,250 | 4,820 |
| Average earning assets | $93,045,000 | 4,749 |
| Average equity | $12,814,750 | 4,345 |
| Average total loans | $58,594,750 | 4,699 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 3,085 |
| Cost of funding earning assets | 0.6460% | 2,528 |
| Net interest margin | 3.6216% | 3,277 |
| Noninterest income to average assets | 0.5920% | 3,240 |
| Noninterest expense to average assets | 2.3720% | 5,135 |
| Loan and lease loss provision to assets | 0.1410% | 2,571 |
| Net operating income to assets | 1.0531% | 2,104 |
| Return on assets (ROA) | 1.0531% | 2,223 |
| Pretax return on assets | 1.4880% | 1,655 |
| Return on Equity (ROE) | 8.2121% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.0344% | 1,879 |
| Net charge-offs to loans | 0.0069% | 4,750 |
| Credit loss provision to net charge-offs | 3,500.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 404.5000% | 122 |
| Efficiency ratio | 59.2854% | 5,571 |
| Assets per employee ($millions) | 4.7692% | 2,428 |
| Cash dividends to net income (ytd only)* | 14.3403% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,305 |
| Loan loss allowance to noncurrent loans | 262.9032% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 5,203 |
| Noncurrent loans to loans | 0.5103% | 4,993 |
| Net loans and leases to total assets | 62.8309% | 3,132 |
| Net loans and leases to deposits | 73.6395% | 3,209 |
| Net loans and leases to core deposits | 75.6711% | 3,581 |
| Total domestic deposits to total assets | 85.3223% | 3,733 |
| Equity capital to assets | 13.3053% | 1,219 |
| Core capital (leverage) ratio | 12.9852% | 1,167 |
| Tier 1 risk-based capital ratio | 18.1874% | 2,256 |
| Total risk-based capital ratio | 19.3690% | 2,239 |
| Memoranda: | ||
| Average total assets | $99,325,000 | 4,837 |
| Average earning assets | $93,495,000 | 4,768 |
| Average equity | $12,737,330 | 4,388 |
| Average total loans | $57,655,670 | 4,759 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,419 |
| Cost of funding earning assets | 0.6523% | 2,636 |
| Net interest margin | 3.5200% | 3,618 |
| Noninterest income to average assets | 0.4541% | 4,094 |
| Noninterest expense to average assets | 2.3653% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0109% | 2,178 |
| Return on assets (ROA) | 1.0109% | 2,295 |
| Pretax return on assets | 1.3702% | 1,969 |
| Return on Equity (ROE) | 8.0248% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.0248% | 1,745 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3192% | 5,114 |
| Assets per employee ($millions) | 4.9548% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,751 |
| Loan loss allowance to noncurrent loans | 285.1145% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 4,729 |
| Noncurrent loans to loans | 0.4530% | 5,287 |
| Net loans and leases to total assets | 57.6098% | 3,828 |
| Net loans and leases to deposits | 66.4622% | 3,996 |
| Net loans and leases to core deposits | 68.1880% | 4,282 |
| Total domestic deposits to total assets | 86.6806% | 3,140 |
| Equity capital to assets | 12.9864% | 1,432 |
| Core capital (leverage) ratio | 12.7021% | 1,247 |
| Tier 1 risk-based capital ratio | 18.3191% | 2,258 |
| Total risk-based capital ratio | 19.4269% | 2,263 |
| Memoranda: | ||
| Average total assets | $101,296,000 | 4,831 |
| Average earning assets | $94,431,500 | 4,783 |
| Average equity | $12,760,500 | 4,425 |
| Average total loans | $56,111,000 | 4,854 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 3,623 |
| Cost of funding earning assets | 0.8542% | 2,261 |
| Net interest margin | 3.5931% | 4,114 |
| Noninterest income to average assets | 0.5023% | 3,882 |
| Noninterest expense to average assets | 2.4206% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0556% | 2,097 |
| Return on assets (ROA) | 1.0556% | 2,295 |
| Pretax return on assets | 1.4742% | 1,765 |
| Return on Equity (ROE) | 8.1233% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.9407% | 1,598 |
| Net charge-offs to loans | 0.0429% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 63.2273% | 565 |
| Efficiency ratio | 62.1497% | 5,211 |
| Assets per employee ($millions) | 5.1748% | 2,016 |
| Cash dividends to net income (ytd only)* | 14.5582% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,289 |
| Loan loss allowance to noncurrent loans | 238.6581% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 4,783 |
| Noncurrent loans to loans | 0.5755% | 5,090 |
| Net loans and leases to total assets | 51.8271% | 4,955 |
| Net loans and leases to deposits | 59.3109% | 5,093 |
| Net loans and leases to core deposits | 60.4186% | 5,326 |
| Total domestic deposits to total assets | 87.3821% | 2,588 |
| Equity capital to assets | 12.2246% | 1,903 |
| Core capital (leverage) ratio | 12.5589% | 1,303 |
| Tier 1 risk-based capital ratio | 18.7106% | 2,045 |
| Total risk-based capital ratio | 19.8660% | 2,028 |
| Memoranda: | ||
| Average total assets | $94,357,400 | 4,976 |
| Average earning assets | $89,087,200 | 4,893 |
| Average equity | $12,261,000 | 4,514 |
| Average total loans | $51,294,000 | 5,056 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 3,760 |
| Cost of funding earning assets | 0.8981% | 2,180 |
| Net interest margin | 3.5680% | 4,364 |
| Noninterest income to average assets | 0.4981% | 3,941 |
| Noninterest expense to average assets | 2.4748% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0339% | 2,351 |
| Return on assets (ROA) | 1.0339% | 2,567 |
| Pretax return on assets | 1.4235% | 2,164 |
| Return on Equity (ROE) | 7.8267% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.0594% | 2,093 |
| Net charge-offs to loans | 0.0185% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 140.4748% | 317 |
| Efficiency ratio | 63.4844% | 4,890 |
| Assets per employee ($millions) | 4.6497% | 2,676 |
| Cash dividends to net income (ytd only)* | 9.8038% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,364 |
| Loan loss allowance to noncurrent loans | 99.2188% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 4,169 |
| Noncurrent loans to loans | 1.4133% | 3,683 |
| Net loans and leases to total assets | 57.6145% | 4,190 |
| Net loans and leases to deposits | 66.9574% | 4,341 |
| Net loans and leases to core deposits | 68.0485% | 4,720 |
| Total domestic deposits to total assets | 86.0464% | 3,232 |
| Equity capital to assets | 13.4890% | 1,352 |
| Core capital (leverage) ratio | 12.9174% | 1,219 |
| Tier 1 risk-based capital ratio | 18.0643% | 2,309 |
| Total risk-based capital ratio | 19.2221% | 2,337 |
| Memoranda: | ||
| Average total assets | $92,072,750 | 5,075 |
| Average earning assets | $87,740,000 | 4,972 |
| Average equity | $12,163,250 | 4,573 |
| Average total loans | $50,521,000 | 5,149 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 3,844 |
| Cost of funding earning assets | 0.9267% | 2,215 |
| Net interest margin | 3.5558% | 4,438 |
| Noninterest income to average assets | 0.4599% | 4,209 |
| Noninterest expense to average assets | 2.4781% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0004% | 2,463 |
| Return on assets (ROA) | 1.0004% | 2,683 |
| Pretax return on assets | 1.3687% | 2,327 |
| Return on Equity (ROE) | 7.6269% | 3,432 |
| Retained earnings to average equity (ytd only) | 6.4638% | 2,403 |
| Net charge-offs to loans | -0.0041% | 6,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4193% | 4,813 |
| Assets per employee ($millions) | 5.0561% | 2,097 |
| Cash dividends to net income (ytd only)* | 15.2505% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 4,047 |
| Loan loss allowance to noncurrent loans | 60.4870% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.6372% | 3,269 |
| Noncurrent loans to loans | 2.4669% | 2,434 |
| Net loans and leases to total assets | 55.8554% | 4,491 |
| Net loans and leases to deposits | 64.8070% | 4,662 |
| Net loans and leases to core deposits | 65.8847% | 5,018 |
| Total domestic deposits to total assets | 86.1872% | 3,261 |
| Equity capital to assets | 13.4106% | 1,337 |
| Core capital (leverage) ratio | 12.7305% | 1,243 |
| Tier 1 risk-based capital ratio | 18.1341% | 2,251 |
| Total risk-based capital ratio | 19.3344% | 2,239 |
| Memoranda: | ||
| Average total assets | $91,765,670 | 5,114 |
| Average earning assets | $87,405,330 | 5,011 |
| Average equity | $12,036,330 | 4,592 |
| Average total loans | $49,248,000 | 5,224 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 4,292 |
| Cost of funding earning assets | 0.9586% | 2,242 |
| Net interest margin | 3.4511% | 4,914 |
| Noninterest income to average assets | 0.4341% | 4,421 |
| Noninterest expense to average assets | 2.4918% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9550% | 2,660 |
| Return on assets (ROA) | 0.9550% | 2,872 |
| Pretax return on assets | 1.2242% | 2,820 |
| Return on Equity (ROE) | 7.3628% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.3628% | 2,250 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0561% | 4,347 |
| Assets per employee ($millions) | 5.0685% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,779 |
| Loan loss allowance to noncurrent loans | 104.6259% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 4,406 |
| Noncurrent loans to loans | 1.5154% | 3,840 |
| Net loans and leases to total assets | 52.3199% | 4,976 |
| Net loans and leases to deposits | 60.6118% | 5,078 |
| Net loans and leases to core deposits | 61.6037% | 5,368 |
| Total domestic deposits to total assets | 86.3196% | 3,350 |
| Equity capital to assets | 13.1937% | 1,360 |
| Core capital (leverage) ratio | 12.5720% | 1,308 |
| Tier 1 risk-based capital ratio | 18.5785% | 2,121 |
| Total risk-based capital ratio | 19.8263% | 2,088 |
| Memoranda: | ||
| Average total assets | $92,143,500 | 5,150 |
| Average earning assets | $87,625,500 | 5,037 |
| Average equity | $11,952,000 | 4,618 |
| Average total loans | $48,070,000 | 5,301 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 4,193 |
| Cost of funding earning assets | 1.1282% | 2,482 |
| Net interest margin | 3.5835% | 4,794 |
| Noninterest income to average assets | 0.4799% | 3,994 |
| Noninterest expense to average assets | 2.4042% | 5,763 |
| Loan and lease loss provision to assets | 0.1111% | 5,200 |
| Net operating income to assets | 0.9932% | 2,222 |
| Return on assets (ROA) | 0.9932% | 2,365 |
| Pretax return on assets | 1.3698% | 1,881 |
| Return on Equity (ROE) | 7.9095% | 2,957 |
| Retained earnings to average equity (ytd only) | 6.6267% | 1,678 |
| Net charge-offs to loans | 0.1031% | 5,325 |
| Credit loss provision to net charge-offs | 196.0784% | 1,293 |
| Earnings coverage of net charge-offs (x) | 26.1373% | 949 |
| Efficiency ratio | 61.8816% | 5,479 |
| Assets per employee ($millions) | 5.1697% | 1,976 |
| Cash dividends to net income (ytd only)* | 16.2192% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 3,530 |
| Loan loss allowance to noncurrent loans | 86.5017% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 4,258 |
| Noncurrent loans to loans | 1.8662% | 3,391 |
| Net loans and leases to total assets | 50.3675% | 5,540 |
| Net loans and leases to deposits | 59.2049% | 5,576 |
| Net loans and leases to core deposits | 60.3531% | 5,816 |
| Total domestic deposits to total assets | 85.0732% | 3,805 |
| Equity capital to assets | 12.7528% | 1,624 |
| Core capital (leverage) ratio | 12.3665% | 1,405 |
| Tier 1 risk-based capital ratio | 19.3203% | 1,808 |
| Total risk-based capital ratio | 20.5711% | 1,777 |
| Memoranda: | ||
| Average total assets | $90,010,800 | 5,183 |
| Average earning assets | $85,531,200 | 5,070 |
| Average equity | $11,302,800 | 4,715 |
| Average total loans | $49,466,400 | 5,281 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 4,190 |
| Cost of funding earning assets | 1.1745% | 2,483 |
| Net interest margin | 3.5850% | 4,832 |
| Noninterest income to average assets | 0.4736% | 4,097 |
| Noninterest expense to average assets | 2.4515% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0323% | 2,208 |
| Return on assets (ROA) | 1.0323% | 2,363 |
| Pretax return on assets | 1.4237% | 1,871 |
| Return on Equity (ROE) | 8.2542% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.4180% | 1,762 |
| Net charge-offs to loans | 0.0988% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 25.7578% | 1,039 |
| Efficiency ratio | 63.2614% | 5,188 |
| Assets per employee ($millions) | 4.9008% | 2,322 |
| Cash dividends to net income (ytd only)* | 10.1301% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,664 |
| Loan loss allowance to noncurrent loans | 73.5991% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1653% | 4,459 |
| Noncurrent loans to loans | 1.8680% | 3,544 |
| Net loans and leases to total assets | 55.5404% | 4,911 |
| Net loans and leases to deposits | 64.3317% | 5,124 |
| Net loans and leases to core deposits | 65.5960% | 5,457 |
| Total domestic deposits to total assets | 86.3345% | 3,022 |
| Equity capital to assets | 13.1905% | 1,522 |
| Core capital (leverage) ratio | 12.4797% | 1,446 |
| Tier 1 risk-based capital ratio | 18.1236% | 2,209 |
| Total risk-based capital ratio | 19.2370% | 2,221 |
| Memoranda: | ||
| Average total assets | $89,250,000 | 5,239 |
| Average earning assets | $84,684,000 | 5,138 |
| Average equity | $11,161,750 | 4,766 |
| Average total loans | $49,923,500 | 5,308 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 4,159 |
| Cost of funding earning assets | 1.2064% | 2,535 |
| Net interest margin | 3.5767% | 4,800 |
| Noninterest income to average assets | 0.4665% | 4,141 |
| Noninterest expense to average assets | 2.4689% | 5,647 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0134% | 2,174 |
| Return on assets (ROA) | 1.0134% | 2,270 |
| Pretax return on assets | 1.3862% | 1,835 |
| Return on Equity (ROE) | 8.2518% | 2,834 |
| Retained earnings to average equity (ytd only) | 6.9795% | 1,889 |
| Net charge-offs to loans | 0.0080% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 310.5000% | 112 |
| Efficiency ratio | 64.0417% | 5,231 |
| Assets per employee ($millions) | 4.9843% | 2,151 |
| Cash dividends to net income (ytd only)* | 15.4185% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 4,435 |
| Loan loss allowance to noncurrent loans | 70.3232% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 4,396 |
| Noncurrent loans to loans | 2.0364% | 3,433 |
| Net loans and leases to total assets | 55.0843% | 5,132 |
| Net loans and leases to deposits | 63.3289% | 5,355 |
| Net loans and leases to core deposits | 64.5743% | 5,663 |
| Total domestic deposits to total assets | 86.9813% | 2,748 |
| Equity capital to assets | 12.6253% | 1,723 |
| Core capital (leverage) ratio | 12.2334% | 1,488 |
| Tier 1 risk-based capital ratio | 17.5694% | 2,315 |
| Total risk-based capital ratio | 18.7288% | 2,318 |
| Memoranda: | ||
| Average total assets | $89,595,000 | 5,270 |
| Average earning assets | $84,882,330 | 5,166 |
| Average equity | $11,003,670 | 4,802 |
| Average total loans | $50,005,330 | 5,354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 3,891 |
| Cost of funding earning assets | 1.2300% | 2,633 |
| Net interest margin | 3.6052% | 4,544 |
| Noninterest income to average assets | 0.4289% | 4,462 |
| Noninterest expense to average assets | 2.5242% | 5,473 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0186% | 2,118 |
| Return on assets (ROA) | 1.0186% | 2,168 |
| Pretax return on assets | 1.3224% | 1,971 |
| Return on Equity (ROE) | 8.4117% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.4117% | 1,582 |
| Net charge-offs to loans | 0.0561% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 42.2857% | 658 |
| Efficiency ratio | 65.6214% | 5,099 |
| Assets per employee ($millions) | 4.9451% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 4,522 |
| Loan loss allowance to noncurrent loans | 71.8750% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 4,690 |
| Noncurrent loans to loans | 1.9890% | 3,584 |
| Net loans and leases to total assets | 55.2296% | 5,127 |
| Net loans and leases to deposits | 63.2158% | 5,360 |
| Net loans and leases to core deposits | 64.1981% | 5,702 |
| Total domestic deposits to total assets | 87.3669% | 2,727 |
| Equity capital to assets | 12.3691% | 1,703 |
| Core capital (leverage) ratio | 12.1189% | 1,497 |
| Tier 1 risk-based capital ratio | 18.1161% | 2,082 |
| Total risk-based capital ratio | 19.3206% | 2,059 |
| Memoranda: | ||
| Average total assets | $89,534,000 | 5,306 |
| Average earning assets | $84,876,500 | 5,193 |
| Average equity | $10,842,000 | 4,835 |
| Average total loans | $49,939,000 | 5,391 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 4,457 |
| Cost of funding earning assets | 1.5660% | 2,267 |
| Net interest margin | 3.4531% | 5,417 |
| Noninterest income to average assets | 0.5085% | 4,104 |
| Noninterest expense to average assets | 2.4635% | 5,906 |
| Loan and lease loss provision to assets | 0.2287% | 4,990 |
| Net operating income to assets | 0.8312% | 2,666 |
| Return on assets (ROA) | 0.8312% | 2,807 |
| Pretax return on assets | 1.0878% | 2,625 |
| Return on Equity (ROE) | 6.8157% | 3,208 |
| Retained earnings to average equity (ytd only) | 5.4830% | 2,123 |
| Net charge-offs to loans | 0.2905% | 4,566 |
| Credit loss provision to net charge-offs | 135.8621% | 2,843 |
| Earnings coverage of net charge-offs (x) | 7.8207% | 2,061 |
| Efficiency ratio | 65.1720% | 5,132 |
| Assets per employee ($millions) | 5.0031% | 2,152 |
| Cash dividends to net income (ytd only)* | 19.5531% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,328 |
| Loan loss allowance to noncurrent loans | 51.6870% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.7089% | 3,737 |
| Noncurrent loans to loans | 2.7858% | 2,736 |
| Net loans and leases to total assets | 54.7259% | 5,534 |
| Net loans and leases to deposits | 62.2981% | 5,821 |
| Net loans and leases to core deposits | 63.7626% | 6,072 |
| Total domestic deposits to total assets | 87.8453% | 2,343 |
| Equity capital to assets | 11.8526% | 2,003 |
| Core capital (leverage) ratio | 11.8358% | 1,648 |
| Tier 1 risk-based capital ratio | 16.2731% | 2,627 |
| Total risk-based capital ratio | 17.3895% | 2,641 |
| Memoranda: | ||
| Average total assets | $86,137,600 | 5,407 |
| Average earning assets | $81,606,800 | 5,288 |
| Average equity | $10,505,200 | 4,984 |
| Average total loans | $49,915,800 | 5,487 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 4,734 |
| Cost of funding earning assets | 1.6265% | 2,239 |
| Net interest margin | 3.3900% | 5,717 |
| Noninterest income to average assets | 0.5182% | 4,040 |
| Noninterest expense to average assets | 2.5113% | 5,673 |
| Loan and lease loss provision to assets | 0.0845% | 6,191 |
| Net operating income to assets | 0.8674% | 2,754 |
| Return on assets (ROA) | 0.8674% | 2,883 |
| Pretax return on assets | 1.1398% | 2,696 |
| Return on Equity (ROE) | 7.0596% | 3,318 |
| Retained earnings to average equity (ytd only) | 6.2950% | 2,205 |
| Net charge-offs to loans | 0.2058% | 4,712 |
| Credit loss provision to net charge-offs | 70.1299% | 5,415 |
| Earnings coverage of net charge-offs (x) | 10.1562% | 1,916 |
| Efficiency ratio | 67.2255% | 4,619 |
| Assets per employee ($millions) | 5.0139% | 2,159 |
| Cash dividends to net income (ytd only)* | 10.8306% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 5,091 |
| Loan loss allowance to noncurrent loans | 48.6425% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.7270% | 3,852 |
| Noncurrent loans to loans | 2.6185% | 3,003 |
| Net loans and leases to total assets | 58.6536% | 5,158 |
| Net loans and leases to deposits | 67.6051% | 5,474 |
| Net loans and leases to core deposits | 69.3071% | 5,821 |
| Total domestic deposits to total assets | 86.7591% | 2,662 |
| Equity capital to assets | 12.7622% | 1,704 |
| Core capital (leverage) ratio | 12.2024% | 1,564 |
| Tier 1 risk-based capital ratio | 17.4103% | 2,202 |
| Total risk-based capital ratio | 18.4887% | 2,225 |
| Memoranda: | ||
| Average total assets | $85,158,000 | 5,499 |
| Average earning assets | $80,824,750 | 5,375 |
| Average equity | $10,463,000 | 5,067 |
| Average total loans | $49,893,750 | 5,572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 4,959 |
| Cost of funding earning assets | 1.6705% | 2,282 |
| Net interest margin | 3.3262% | 5,918 |
| Noninterest income to average assets | 0.5074% | 4,051 |
| Noninterest expense to average assets | 2.5466% | 5,532 |
| Loan and lease loss provision to assets | 0.0846% | 6,081 |
| Net operating income to assets | 0.8176% | 2,890 |
| Return on assets (ROA) | 0.8176% | 3,038 |
| Pretax return on assets | 1.0243% | 3,026 |
| Return on Equity (ROE) | 6.7411% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.5789% | 2,571 |
| Net charge-offs to loans | 0.3021% | 3,803 |
| Credit loss provision to net charge-offs | 48.0000% | 5,461 |
| Earnings coverage of net charge-offs (x) | 6.2933% | 2,481 |
| Efficiency ratio | 69.6658% | 4,254 |
| Assets per employee ($millions) | 5.0501% | 2,122 |
| Cash dividends to net income (ytd only)* | 17.2414% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 5,156 |
| Loan loss allowance to noncurrent loans | 49.2947% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6563% | 3,945 |
| Noncurrent loans to loans | 2.5449% | 3,114 |
| Net loans and leases to total assets | 57.6690% | 5,462 |
| Net loans and leases to deposits | 65.9562% | 5,808 |
| Net loans and leases to core deposits | 67.8424% | 6,066 |
| Total domestic deposits to total assets | 87.4354% | 2,296 |
| Equity capital to assets | 12.2467% | 1,953 |
| Core capital (leverage) ratio | 12.0196% | 1,632 |
| Tier 1 risk-based capital ratio | 17.3617% | 2,149 |
| Total risk-based capital ratio | 18.4315% | 2,168 |
| Memoranda: | ||
| Average total assets | $85,132,000 | 5,529 |
| Average earning assets | $80,572,670 | 5,413 |
| Average equity | $10,324,670 | 5,111 |
| Average total loans | $49,645,330 | 5,622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 5,188 |
| Cost of funding earning assets | 1.7321% | 2,219 |
| Net interest margin | 3.2296% | 6,197 |
| Noninterest income to average assets | 0.4577% | 4,397 |
| Noninterest expense to average assets | 2.5574% | 5,526 |
| Loan and lease loss provision to assets | 0.0849% | 5,788 |
| Net operating income to assets | 0.7502% | 3,210 |
| Return on assets (ROA) | 0.7502% | 3,313 |
| Pretax return on assets | 0.8682% | 3,592 |
| Return on Equity (ROE) | 6.2170% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.2170% | 2,516 |
| Net charge-offs to loans | 0.3401% | 3,048 |
| Credit loss provision to net charge-offs | 42.8571% | 4,589 |
| Earnings coverage of net charge-offs (x) | 4.8095% | 2,544 |
| Efficiency ratio | 72.8495% | 3,786 |
| Assets per employee ($millions) | 4.9177% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,834 |
| Loan loss allowance to noncurrent loans | 42.7907% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 1.8002% | 3,788 |
| Noncurrent loans to loans | 3.0818% | 2,596 |
| Net loans and leases to total assets | 57.6440% | 5,503 |
| Net loans and leases to deposits | 65.9356% | 5,827 |
| Net loans and leases to core deposits | 68.0962% | 6,090 |
| Total domestic deposits to total assets | 87.4248% | 2,401 |
| Equity capital to assets | 12.3396% | 1,851 |
| Core capital (leverage) ratio | 12.0944% | 1,601 |
| Tier 1 risk-based capital ratio | 16.8932% | 2,299 |
| Total risk-based capital ratio | 17.9726% | 2,321 |
| Memoranda: | ||
| Average total assets | $84,772,000 | 5,604 |
| Average earning assets | $80,133,500 | 5,499 |
| Average equity | $10,230,000 | 5,169 |
| Average total loans | $49,398,500 | 5,696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 4,506 |
| Cost of funding earning assets | 2.1190% | 2,373 |
| Net interest margin | 3.3175% | 5,672 |
| Noninterest income to average assets | 0.5535% | 3,992 |
| Noninterest expense to average assets | 2.4916% | 6,161 |
| Loan and lease loss provision to assets | 0.1829% | 5,874 |
| Net operating income to assets | 0.7787% | 2,606 |
| Return on assets (ROA) | 0.7787% | 2,703 |
| Pretax return on assets | 1.0262% | 2,502 |
| Return on Equity (ROE) | 6.3220% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.1101% | 1,764 |
| Net charge-offs to loans | 0.3863% | 4,274 |
| Credit loss provision to net charge-offs | 79.4595% | 6,293 |
| Earnings coverage of net charge-offs (x) | 5.2541% | 2,647 |
| Efficiency ratio | 67.3277% | 5,127 |
| Assets per employee ($millions) | 5.0555% | 2,147 |
| Cash dividends to net income (ytd only)* | 19.1693% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 4,553 |
| Loan loss allowance to noncurrent loans | 43.0968% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8035% | 3,662 |
| Noncurrent loans to loans | 3.1024% | 2,461 |
| Net loans and leases to total assets | 57.3566% | 5,766 |
| Net loans and leases to deposits | 65.2417% | 6,140 |
| Net loans and leases to core deposits | 75.2454% | 6,455 |
| Total domestic deposits to total assets | 87.9141% | 2,005 |
| Equity capital to assets | 11.8032% | 2,138 |
| Core capital (leverage) ratio | 11.8301% | 1,743 |
| Tier 1 risk-based capital ratio | 16.3424% | 2,378 |
| Total risk-based capital ratio | 17.4429% | 2,371 |
| Memoranda: | ||
| Average total assets | $80,390,800 | 5,715 |
| Average earning assets | $76,262,000 | 5,594 |
| Average equity | $9,902,000 | 5,321 |
| Average total loans | $47,890,600 | 5,763 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 4,863 |
| Cost of funding earning assets | 2.1860% | 2,473 |
| Net interest margin | 3.2320% | 5,909 |
| Noninterest income to average assets | 0.5603% | 4,009 |
| Noninterest expense to average assets | 2.5112% | 6,035 |
| Loan and lease loss provision to assets | 0.0911% | 6,459 |
| Net operating income to assets | 0.7865% | 2,872 |
| Return on assets (ROA) | 0.7865% | 2,934 |
| Pretax return on assets | 1.0295% | 2,809 |
| Return on Equity (ROE) | 6.3133% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.5004% | 2,203 |
| Net charge-offs to loans | 0.5094% | 3,185 |
| Credit loss provision to net charge-offs | 29.8343% | 6,512 |
| Earnings coverage of net charge-offs (x) | 3.6685% | 3,432 |
| Efficiency ratio | 69.1450% | 4,758 |
| Assets per employee ($millions) | 4.8561% | 2,320 |
| Cash dividends to net income (ytd only)* | 12.8758% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 5,183 |
| Loan loss allowance to noncurrent loans | 28.5362% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 2.4578% | 2,799 |
| Noncurrent loans to loans | 4.1601% | 1,744 |
| Net loans and leases to total assets | 58.3795% | 5,833 |
| Net loans and leases to deposits | 66.7220% | 6,238 |
| Net loans and leases to core deposits | 76.8632% | 6,566 |
| Total domestic deposits to total assets | 87.4965% | 1,891 |
| Equity capital to assets | 12.2031% | 2,120 |
| Core capital (leverage) ratio | 12.1127% | 1,751 |
| Tier 1 risk-based capital ratio | 17.6559% | 2,084 |
| Total risk-based capital ratio | 18.6971% | 2,091 |
| Memoranda: | ||
| Average total assets | $79,002,750 | 5,800 |
| Average earning assets | $75,081,000 | 5,668 |
| Average equity | $9,841,500 | 5,382 |
| Average total loans | $47,372,750 | 5,831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 4,609 |
| Cost of funding earning assets | 2.2488% | 2,582 |
| Net interest margin | 3.2543% | 5,720 |
| Noninterest income to average assets | 0.5603% | 3,961 |
| Noninterest expense to average assets | 2.5958% | 5,758 |
| Loan and lease loss provision to assets | 0.0925% | 6,243 |
| Net operating income to assets | 0.7633% | 2,999 |
| Return on assets (ROA) | 0.7633% | 3,106 |
| Pretax return on assets | 0.9663% | 3,123 |
| Return on Equity (ROE) | 6.0836% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.8546% | 2,589 |
| Net charge-offs to loans | 0.0512% | 5,771 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 910 |
| Efficiency ratio | 71.0267% | 4,589 |
| Assets per employee ($millions) | 4.9455% | 2,150 |
| Cash dividends to net income (ytd only)* | 20.2020% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 2,998 |
| Loan loss allowance to noncurrent loans | 28.1636% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 3.2757% | 1,894 |
| Noncurrent loans to loans | 5.4589% | 1,065 |
| Net loans and leases to total assets | 59.0840% | 5,825 |
| Net loans and leases to deposits | 67.6849% | 6,229 |
| Net loans and leases to core deposits | 78.1022% | 6,540 |
| Total domestic deposits to total assets | 87.2927% | 2,102 |
| Equity capital to assets | 12.3799% | 1,987 |
| Core capital (leverage) ratio | 12.3181% | 1,688 |
| Tier 1 risk-based capital ratio | 16.4199% | 2,471 |
| Total risk-based capital ratio | 17.6621% | 2,427 |
| Memoranda: | ||
| Average total assets | $77,819,330 | 5,874 |
| Average earning assets | $73,994,670 | 5,747 |
| Average equity | $9,764,000 | 5,432 |
| Average total loans | $46,906,000 | 5,893 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4956% | 4,938 |
| Cost of funding earning assets | 2.2921% | 2,735 |
| Net interest margin | 3.2035% | 5,846 |
| Noninterest income to average assets | 0.5236% | 4,109 |
| Noninterest expense to average assets | 2.4208% | 6,129 |
| Loan and lease loss provision to assets | 0.0933% | 5,763 |
| Net operating income to assets | 0.8553% | 2,889 |
| Return on assets (ROA) | 0.8553% | 3,045 |
| Pretax return on assets | 1.0523% | 3,166 |
| Return on Equity (ROE) | 6.7706% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.7706% | 2,302 |
| Net charge-offs to loans | 0.0601% | 4,622 |
| Credit loss provision to net charge-offs | 257.1429% | 1,829 |
| Earnings coverage of net charge-offs (x) | 31.5714% | 1,018 |
| Efficiency ratio | 67.8779% | 4,988 |
| Assets per employee ($millions) | 4.5329% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 2,855 |
| Loan loss allowance to noncurrent loans | 36.4885% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 2.5500% | 2,252 |
| Noncurrent loans to loans | 4.1716% | 1,429 |
| Net loans and leases to total assets | 60.1967% | 5,624 |
| Net loans and leases to deposits | 69.2715% | 6,051 |
| Net loans and leases to core deposits | 79.6070% | 6,414 |
| Total domestic deposits to total assets | 86.8996% | 2,267 |
| Equity capital to assets | 12.7435% | 1,862 |
| Core capital (leverage) ratio | 12.6901% | 1,610 |
| Tier 1 risk-based capital ratio | 17.4260% | 2,208 |
| Total risk-based capital ratio | 18.6759% | 2,150 |
| Memoranda: | ||
| Average total assets | $77,165,000 | 5,908 |
| Average earning assets | $73,295,000 | 5,803 |
| Average equity | $9,748,000 | 5,466 |
| Average total loans | $46,618,000 | 5,935 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 6,386 |
| Cost of funding earning assets | 2.7766% | 2,800 |
| Net interest margin | 3.0351% | 6,824 |
| Noninterest income to average assets | 0.5877% | 3,944 |
| Noninterest expense to average assets | 2.3778% | 6,478 |
| Loan and lease loss provision to assets | 0.1250% | 5,767 |
| Net operating income to assets | 0.7101% | 3,846 |
| Return on assets (ROA) | 0.7101% | 3,678 |
| Pretax return on assets | 0.9447% | 3,569 |
| Return on Equity (ROE) | 5.8753% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.5958% | 2,267 |
| Net charge-offs to loans | 0.0342% | 6,336 |
| Credit loss provision to net charge-offs | 646.6667% | 657 |
| Earnings coverage of net charge-offs (x) | 55.3333% | 714 |
| Efficiency ratio | 68.9720% | 4,544 |
| Assets per employee ($millions) | 4.5454% | 2,545 |
| Cash dividends to net income (ytd only)* | 21.7786% | 4,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 2,540 |
| Loan loss allowance to noncurrent loans | 54.3077% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6824% | 2,888 |
| Noncurrent loans to loans | 2.8180% | 1,923 |
| Net loans and leases to total assets | 58.7879% | 6,092 |
| Net loans and leases to deposits | 67.4968% | 6,507 |
| Net loans and leases to core deposits | 76.9163% | 6,802 |
| Total domestic deposits to total assets | 87.0974% | 1,888 |
| Equity capital to assets | 12.5222% | 2,001 |
| Core capital (leverage) ratio | 12.3284% | 1,816 |
| Tier 1 risk-based capital ratio | 17.4547% | 2,192 |
| Total risk-based capital ratio | 18.7043% | 2,132 |
| Memoranda: | ||
| Average total assets | $77,592,600 | 5,786 |
| Average earning assets | $73,111,000 | 5,706 |
| Average equity | $9,378,200 | 5,611 |
| Average total loans | $43,922,000 | 5,986 |