Home > First National Bank Northwest Florida > Performance and Condition Ratios
First National Bank Northwest Florida, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 1,708 |
| Cost of funding earning assets | 0.9564% | 3,394 |
| Net interest margin | 4.2233% | 901 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.1178% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1161% | 389 |
| Return on assets (ROA) | 2.1161% | 381 |
| Pretax return on assets | 2.1161% | 557 |
| Return on Equity (ROE) | 15.8500% | 1,126 |
| Retained earnings to average equity (ytd only) | 12.6885% | 546 |
| Net charge-offs to loans | -0.0016% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.0740% | 3,976 |
| Assets per employee ($millions) | 6.6298% | 2,319 |
| Cash dividends to net income (ytd only)* | 19.9409% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 435 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 36.2000% | 4,149 |
| Net loans and leases to deposits | 42.6728% | 4,138 |
| Net loans and leases to core deposits | 57.7438% | 3,844 |
| Total domestic deposits to total assets | 84.8400% | 2,357 |
| Equity capital to assets | 14.5339% | 600 |
| Core capital (leverage) ratio | 15.1257% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6295% | 124 |
| Memoranda: | ||
| Average total assets | $175,839,000 | 3,161 |
| Average earning assets | $172,211,600 | 3,078 |
| Average equity | $23,478,000 | 2,597 |
| Average total loans | $61,689,000 | 3,684 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 1,777 |
| Cost of funding earning assets | 0.7989% | 3,519 |
| Net interest margin | 4.2289% | 882 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.1082% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1270% | 421 |
| Return on assets (ROA) | 2.1270% | 414 |
| Pretax return on assets | 2.1270% | 621 |
| Return on Equity (ROE) | 16.2800% | 1,206 |
| Retained earnings to average equity (ytd only) | 11.9963% | 967 |
| Net charge-offs to loans | -0.0022% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.7950% | 3,927 |
| Assets per employee ($millions) | 6.5012% | 2,329 |
| Cash dividends to net income (ytd only)* | 26.3214% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 409 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 35.9500% | 4,186 |
| Net loans and leases to deposits | 42.2751% | 4,156 |
| Net loans and leases to core deposits | 52.8936% | 3,963 |
| Total domestic deposits to total assets | 85.0400% | 2,484 |
| Equity capital to assets | 14.2364% | 612 |
| Core capital (leverage) ratio | 14.4585% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6484% | 130 |
| Memoranda: | ||
| Average total assets | $176,704,750 | 3,158 |
| Average earning assets | $173,057,000 | 3,073 |
| Average equity | $23,084,250 | 2,616 |
| Average total loans | $61,203,750 | 3,699 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,884 |
| Cost of funding earning assets | 0.6936% | 3,505 |
| Net interest margin | 4.1573% | 992 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.0339% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1231% | 390 |
| Return on assets (ROA) | 2.1231% | 383 |
| Pretax return on assets | 2.1231% | 599 |
| Return on Equity (ROE) | 16.7200% | 1,145 |
| Retained earnings to average equity (ytd only) | 10.2032% | 1,351 |
| Net charge-offs to loans | -0.0033% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.8871% | 4,005 |
| Assets per employee ($millions) | 5.8342% | 2,853 |
| Cash dividends to net income (ytd only)* | 38.9911% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.9800% | 4,213 |
| Net loans and leases to deposits | 40.8050% | 4,195 |
| Net loans and leases to core deposits | 46.8691% | 4,103 |
| Total domestic deposits to total assets | 85.7100% | 2,327 |
| Equity capital to assets | 13.7088% | 679 |
| Core capital (leverage) ratio | 13.5180% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.9990% | 132 |
| Memoranda: | ||
| Average total assets | $179,262,667 | 3,142 |
| Average earning assets | $175,594,667 | 3,061 |
| Average equity | $22,757,667 | 2,642 |
| Average total loans | $60,940,333 | 3,710 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 2,023 |
| Cost of funding earning assets | 0.5781% | 3,453 |
| Net interest margin | 4.0464% | 1,188 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.9555% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0836% | 442 |
| Return on assets (ROA) | 2.0836% | 435 |
| Pretax return on assets | 2.0836% | 676 |
| Return on Equity (ROE) | 17.0400% | 1,167 |
| Retained earnings to average equity (ytd only) | 17.0368% | 593 |
| Net charge-offs to loans | -0.0065% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.4148% | 4,061 |
| Assets per employee ($millions) | 5.9660% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0070% | 431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 33.3900% | 4,285 |
| Net loans and leases to deposits | 38.5398% | 4,263 |
| Net loans and leases to core deposits | 42.7341% | 4,209 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 12.8741% | 790 |
| Core capital (leverage) ratio | 12.6240% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5682% | 133 |
| Memoranda: | ||
| Average total assets | $184,298,500 | 3,145 |
| Average earning assets | $180,603,500 | 3,061 |
| Average equity | $22,539,500 | 2,681 |
| Average total loans | $61,211,000 | 3,745 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7700% | 4,352 |
| Cost of funding earning assets | 0.0765% | 4,488 |
| Net interest margin | 2.6935% | 4,062 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.6599% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2844% | 1,489 |
| Return on assets (ROA) | 1.2844% | 1,444 |
| Pretax return on assets | 1.2844% | 2,143 |
| Return on Equity (ROE) | 12.9200% | 1,839 |
| Retained earnings to average equity (ytd only) | 8.5191% | 1,635 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3781% | 3,541 |
| Assets per employee ($millions) | 6.3206% | 2,495 |
| Cash dividends to net income (ytd only)* | 34.0495% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 406 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 31.7400% | 4,345 |
| Net loans and leases to deposits | 36.0657% | 4,340 |
| Net loans and leases to core deposits | 38.8549% | 4,307 |
| Total domestic deposits to total assets | 88.0100% | 2,071 |
| Equity capital to assets | 11.6218% | 1,044 |
| Core capital (leverage) ratio | 10.7537% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0854% | 142 |
| Memoranda: | ||
| Average total assets | $213,804,400 | 2,951 |
| Average earning assets | $210,395,000 | 2,857 |
| Average equity | $21,258,000 | 2,837 |
| Average total loans | $57,633,200 | 3,776 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2833% | 4,542 |
| Cost of funding earning assets | 0.0499% | 4,581 |
| Net interest margin | 2.2334% | 4,446 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.5313% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0316% | 2,354 |
| Return on assets (ROA) | 1.0316% | 2,325 |
| Pretax return on assets | 1.0316% | 2,926 |
| Return on Equity (ROE) | 10.7700% | 2,477 |
| Retained earnings to average equity (ytd only) | 10.7673% | 1,114 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.7492% | 3,142 |
| Assets per employee ($millions) | 7.1156% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 26.2900% | 4,502 |
| Net loans and leases to deposits | 29.4324% | 4,506 |
| Net loans and leases to core deposits | 31.4049% | 4,489 |
| Total domestic deposits to total assets | 89.3300% | 1,948 |
| Equity capital to assets | 10.2568% | 1,485 |
| Core capital (leverage) ratio | 9.8098% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.1401% | 123 |
| Memoranda: | ||
| Average total assets | $219,851,250 | 2,922 |
| Average earning assets | $216,520,750 | 2,836 |
| Average equity | $21,063,250 | 2,893 |
| Average total loans | $56,683,000 | 3,811 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8912% | 4,646 |
| Cost of funding earning assets | 0.0512% | 4,594 |
| Net interest margin | 1.8400% | 4,615 |
| Noninterest income to average assets | 0.5172% | 2,100 |
| Noninterest expense to average assets | 1.4722% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8586% | 2,739 |
| Return on assets (ROA) | 0.8586% | 2,715 |
| Pretax return on assets | 0.8586% | 3,176 |
| Return on Equity (ROE) | 9.1696% | 2,641 |
| Retained earnings to average equity (ytd only) | 9.1696% | 1,239 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1620% | 2,889 |
| Assets per employee ($millions) | 7.2538% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5016% | 264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.3358% | 4,650 |
| Net loans and leases to deposits | 22.3990% | 4,660 |
| Net loans and leases to core deposits | 23.8927% | 4,649 |
| Total domestic deposits to total assets | 90.7890% | 1,345 |
| Equity capital to assets | 8.8689% | 2,480 |
| Core capital (leverage) ratio | 9.1610% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.8239% | 78 |
| Memoranda: | ||
| Average total assets | $221,979,000 | 2,930 |
| Average earning assets | $218,801,667 | 2,857 |
| Average equity | $20,786,000 | 2,990 |
| Average total loans | $56,452,667 | 3,853 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7216% | 4,677 |
| Cost of funding earning assets | 0.0533% | 4,571 |
| Net interest margin | 1.6683% | 4,654 |
| Noninterest income to average assets | 0.0450% | 4,663 |
| Noninterest expense to average assets | 1.4797% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2101% | 4,313 |
| Return on assets (ROA) | 0.2101% | 4,280 |
| Pretax return on assets | 0.2101% | 4,317 |
| Return on Equity (ROE) | 2.1786% | 4,234 |
| Retained earnings to average equity (ytd only) | 2.1786% | 3,498 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5694% | 655 |
| Assets per employee ($millions) | 7.2139% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 510 |
| Loan loss allowance to noncurrent loans | 311.4713% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,517 |
| Noncurrent loans to loans | 0.6781% | 1,401 |
| Net loans and leases to total assets | 26.7461% | 4,538 |
| Net loans and leases to deposits | 29.6545% | 4,558 |
| Net loans and leases to core deposits | 31.8728% | 4,539 |
| Total domestic deposits to total assets | 90.1921% | 1,449 |
| Equity capital to assets | 9.4882% | 2,290 |
| Core capital (leverage) ratio | 9.7573% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0890% | 130 |
| Memoranda: | ||
| Average total assets | $213,280,500 | 3,016 |
| Average earning assets | $210,275,000 | 2,925 |
| Average equity | $20,564,000 | 3,098 |
| Average total loans | $59,715,000 | 3,796 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0756% | 4,665 |
| Cost of funding earning assets | 0.0724% | 4,570 |
| Net interest margin | 2.0032% | 4,600 |
| Noninterest income to average assets | 0.1794% | 4,256 |
| Noninterest expense to average assets | 1.7552% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3983% | 4,279 |
| Return on assets (ROA) | 0.3983% | 4,309 |
| Pretax return on assets | 0.3983% | 4,391 |
| Return on Equity (ROE) | 4.0334% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.1388% | 3,946 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5047% | 721 |
| Assets per employee ($millions) | 7.0048% | 1,924 |
| Cash dividends to net income (ytd only)* | 46.9734% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 546 |
| Loan loss allowance to noncurrent loans | 311.4713% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 2,607 |
| Noncurrent loans to loans | 0.6650% | 1,507 |
| Net loans and leases to total assets | 28.0993% | 4,566 |
| Net loans and leases to deposits | 31.1667% | 4,598 |
| Net loans and leases to core deposits | 33.5723% | 4,568 |
| Total domestic deposits to total assets | 90.1582% | 883 |
| Equity capital to assets | 9.7999% | 2,849 |
| Core capital (leverage) ratio | 9.3850% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4030% | 130 |
| Memoranda: | ||
| Average total assets | $207,383,600 | 3,007 |
| Average earning assets | $204,369,800 | 2,922 |
| Average equity | $20,479,000 | 3,174 |
| Average total loans | $70,200,000 | 3,641 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1524% | 4,727 |
| Cost of funding earning assets | 0.0753% | 4,659 |
| Net interest margin | 2.0770% | 4,638 |
| Noninterest income to average assets | 0.2258% | 4,052 |
| Noninterest expense to average assets | 1.8081% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4632% | 4,268 |
| Return on assets (ROA) | 0.4632% | 4,308 |
| Pretax return on assets | 0.4632% | 4,415 |
| Return on Equity (ROE) | 4.6812% | 4,190 |
| Retained earnings to average equity (ytd only) | 2.1515% | 4,153 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6081% | 770 |
| Assets per employee ($millions) | 6.7880% | 2,022 |
| Cash dividends to net income (ytd only)* | 54.0390% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 961 |
| Loan loss allowance to noncurrent loans | 52.6338% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 604 |
| Noncurrent loans to loans | 3.3885% | 170 |
| Net loans and leases to total assets | 30.7060% | 4,573 |
| Net loans and leases to deposits | 33.8562% | 4,628 |
| Net loans and leases to core deposits | 36.2795% | 4,605 |
| Total domestic deposits to total assets | 90.6953% | 469 |
| Equity capital to assets | 9.1793% | 3,672 |
| Core capital (leverage) ratio | 9.2193% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8492% | 169 |
| Memoranda: | ||
| Average total assets | $206,693,500 | 3,048 |
| Average earning assets | $203,553,000 | 2,954 |
| Average equity | $20,450,250 | 3,210 |
| Average total loans | $72,675,500 | 3,655 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2265% | 4,750 |
| Cost of funding earning assets | 0.0819% | 4,690 |
| Net interest margin | 2.1446% | 4,630 |
| Noninterest income to average assets | 0.0518% | 4,837 |
| Noninterest expense to average assets | 1.6484% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5146% | 4,191 |
| Return on assets (ROA) | 0.5146% | 4,230 |
| Pretax return on assets | 0.5146% | 4,367 |
| Return on Equity (ROE) | 5.0654% | 4,113 |
| Retained earnings to average equity (ytd only) | 1.2639% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2080% | 1,066 |
| Assets per employee ($millions) | 6.7898% | 1,952 |
| Cash dividends to net income (ytd only)* | 75.0484% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,219 |
| Loan loss allowance to noncurrent loans | 153.4398% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 2,107 |
| Noncurrent loans to loans | 1.0593% | 1,152 |
| Net loans and leases to total assets | 34.7920% | 4,508 |
| Net loans and leases to deposits | 38.4383% | 4,566 |
| Net loans and leases to core deposits | 41.2856% | 4,547 |
| Total domestic deposits to total assets | 90.5138% | 550 |
| Equity capital to assets | 9.3753% | 3,443 |
| Core capital (leverage) ratio | 9.4287% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3826% | 222 |
| Memoranda: | ||
| Average total assets | $200,923,000 | 3,093 |
| Average earning assets | $197,796,333 | 3,001 |
| Average equity | $20,413,000 | 3,214 |
| Average total loans | $73,556,667 | 3,660 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4939% | 4,645 |
| Cost of funding earning assets | 0.0949% | 4,685 |
| Net interest margin | 2.3991% | 4,412 |
| Noninterest income to average assets | 0.0643% | 4,810 |
| Noninterest expense to average assets | 1.6934% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7326% | 3,626 |
| Return on assets (ROA) | 0.7326% | 3,694 |
| Pretax return on assets | 0.7326% | 3,952 |
| Return on Equity (ROE) | 6.9099% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.9099% | 2,601 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8033% | 1,729 |
| Assets per employee ($millions) | 6.3795% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 972 |
| Loan loss allowance to noncurrent loans | 311.4713% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 3,138 |
| Noncurrent loans to loans | 0.5571% | 2,186 |
| Net loans and leases to total assets | 35.7682% | 4,515 |
| Net loans and leases to deposits | 39.9506% | 4,568 |
| Net loans and leases to core deposits | 42.8639% | 4,536 |
| Total domestic deposits to total assets | 89.5310% | 1,055 |
| Equity capital to assets | 10.4119% | 2,350 |
| Core capital (leverage) ratio | 10.7779% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7265% | 198 |
| Memoranda: | ||
| Average total assets | $192,747,500 | 3,142 |
| Average earning assets | $189,740,500 | 3,054 |
| Average equity | $20,434,500 | 3,209 |
| Average total loans | $71,913,500 | 3,701 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8945% | 4,706 |
| Cost of funding earning assets | 0.3368% | 3,941 |
| Net interest margin | 2.5578% | 4,537 |
| Noninterest income to average assets | 0.0918% | 4,764 |
| Noninterest expense to average assets | 1.8217% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7791% | 3,170 |
| Return on assets (ROA) | 0.7791% | 3,296 |
| Pretax return on assets | 0.7791% | 3,680 |
| Return on Equity (ROE) | 7.2835% | 3,084 |
| Retained earnings to average equity (ytd only) | 5.7343% | 1,942 |
| Net charge-offs to loans | 0.0014% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1,434.0000% | 76 |
| Efficiency ratio | 70.0439% | 1,942 |
| Assets per employee ($millions) | 6.0558% | 2,294 |
| Cash dividends to net income (ytd only)* | 21.2692% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 967 |
| Loan loss allowance to noncurrent loans | 637.2449% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 3,778 |
| Noncurrent loans to loans | 0.2728% | 3,214 |
| Net loans and leases to total assets | 37.6029% | 4,542 |
| Net loans and leases to deposits | 42.1775% | 4,595 |
| Net loans and leases to core deposits | 44.7745% | 4,578 |
| Total domestic deposits to total assets | 89.1541% | 917 |
| Equity capital to assets | 10.8017% | 2,430 |
| Core capital (leverage) ratio | 10.5241% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9949% | 176 |
| Memoranda: | ||
| Average total assets | $184,054,600 | 3,074 |
| Average earning assets | $180,548,000 | 2,994 |
| Average equity | $19,688,400 | 3,214 |
| Average total loans | $69,955,200 | 3,736 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 4,723 |
| Cost of funding earning assets | 0.3981% | 3,816 |
| Net interest margin | 2.6189% | 4,552 |
| Noninterest income to average assets | 0.1048% | 4,741 |
| Noninterest expense to average assets | 1.8718% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8001% | 3,088 |
| Return on assets (ROA) | 0.8001% | 3,210 |
| Pretax return on assets | 0.8001% | 3,646 |
| Return on Equity (ROE) | 7.4986% | 3,015 |
| Retained earnings to average equity (ytd only) | 5.4175% | 2,367 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0545% | 1,880 |
| Assets per employee ($millions) | 6.1567% | 2,130 |
| Cash dividends to net income (ytd only)* | 27.7525% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 789 |
| Loan loss allowance to noncurrent loans | 644.3299% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 3,921 |
| Noncurrent loans to loans | 0.2732% | 3,314 |
| Net loans and leases to total assets | 36.5509% | 4,660 |
| Net loans and leases to deposits | 40.8900% | 4,727 |
| Net loans and leases to core deposits | 43.4907% | 4,721 |
| Total domestic deposits to total assets | 89.3884% | 622 |
| Equity capital to assets | 10.4555% | 2,831 |
| Core capital (leverage) ratio | 10.3461% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5885% | 194 |
| Memoranda: | ||
| Average total assets | $183,135,750 | 3,065 |
| Average earning assets | $179,510,500 | 2,986 |
| Average equity | $19,541,000 | 3,231 |
| Average total loans | $69,483,750 | 3,757 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 4,730 |
| Cost of funding earning assets | 0.4798% | 3,659 |
| Net interest margin | 2.7020% | 4,551 |
| Noninterest income to average assets | 0.1307% | 4,652 |
| Noninterest expense to average assets | 1.9041% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8717% | 2,800 |
| Return on assets (ROA) | 0.8717% | 2,921 |
| Pretax return on assets | 0.8717% | 3,394 |
| Return on Equity (ROE) | 8.1121% | 2,701 |
| Retained earnings to average equity (ytd only) | 4.9683% | 2,491 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5954% | 2,155 |
| Assets per employee ($millions) | 6.0461% | 2,143 |
| Cash dividends to net income (ytd only)* | 38.7548% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 852 |
| Loan loss allowance to noncurrent loans | 628.1407% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 3,999 |
| Noncurrent loans to loans | 0.2674% | 3,423 |
| Net loans and leases to total assets | 39.0455% | 4,641 |
| Net loans and leases to deposits | 43.6906% | 4,708 |
| Net loans and leases to core deposits | 46.8188% | 4,696 |
| Total domestic deposits to total assets | 89.3683% | 618 |
| Equity capital to assets | 10.5031% | 2,742 |
| Core capital (leverage) ratio | 10.2689% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8957% | 216 |
| Memoranda: | ||
| Average total assets | $180,562,000 | 3,071 |
| Average earning assets | $176,756,667 | 2,994 |
| Average equity | $19,403,000 | 3,231 |
| Average total loans | $68,975,000 | 3,776 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4636% | 4,669 |
| Cost of funding earning assets | 0.5996% | 3,440 |
| Net interest margin | 2.8641% | 4,485 |
| Noninterest income to average assets | 0.1965% | 4,372 |
| Noninterest expense to average assets | 1.9150% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0862% | 1,886 |
| Return on assets (ROA) | 1.0862% | 1,988 |
| Pretax return on assets | 1.0862% | 2,569 |
| Return on Equity (ROE) | 9.9888% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.6038% | 1,682 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8074% | 3,263 |
| Assets per employee ($millions) | 5.3652% | 2,259 |
| Cash dividends to net income (ytd only)* | 33.8877% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 610 |
| Loan loss allowance to noncurrent loans | 208.3333% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,089 |
| Noncurrent loans to loans | 0.9098% | 1,794 |
| Net loans and leases to total assets | 36.5412% | 4,761 |
| Net loans and leases to deposits | 41.0968% | 4,817 |
| Net loans and leases to core deposits | 44.2324% | 4,805 |
| Total domestic deposits to total assets | 88.9151% | 701 |
| Equity capital to assets | 10.9928% | 2,862 |
| Core capital (leverage) ratio | 10.8656% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4153% | 162 |
| Memoranda: | ||
| Average total assets | $177,128,000 | 3,065 |
| Average earning assets | $173,459,000 | 2,978 |
| Average equity | $19,261,500 | 3,246 |
| Average total loans | $66,246,000 | 3,839 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 4,360 |
| Cost of funding earning assets | 0.7607% | 2,870 |
| Net interest margin | 3.1816% | 4,230 |
| Noninterest income to average assets | 0.1105% | 4,902 |
| Noninterest expense to average assets | 1.8683% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3605% | 1,472 |
| Return on assets (ROA) | 1.3605% | 1,551 |
| Pretax return on assets | 1.3605% | 2,295 |
| Return on Equity (ROE) | 12.8261% | 1,227 |
| Retained earnings to average equity (ytd only) | 7.7655% | 1,054 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8646% | 3,987 |
| Assets per employee ($millions) | 5.7163% | 1,865 |
| Cash dividends to net income (ytd only)* | 39.4558% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 580 |
| Loan loss allowance to noncurrent loans | 634.0102% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,073 |
| Noncurrent loans to loans | 0.2960% | 3,365 |
| Net loans and leases to total assets | 36.8479% | 4,823 |
| Net loans and leases to deposits | 41.3355% | 4,880 |
| Net loans and leases to core deposits | 44.3463% | 4,866 |
| Total domestic deposits to total assets | 89.1436% | 612 |
| Equity capital to assets | 10.7560% | 3,216 |
| Core capital (leverage) ratio | 10.4360% | 3,024 |
| Tier 1 risk-based capital ratio | 36.2389% | 307 |
| Total risk-based capital ratio | 37.5031% | 301 |
| Memoranda: | ||
| Average total assets | $172,882,400 | 3,085 |
| Average earning assets | $169,440,400 | 2,996 |
| Average equity | $18,337,600 | 3,304 |
| Average total loans | $67,910,200 | 3,814 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 4,341 |
| Cost of funding earning assets | 0.7746% | 2,845 |
| Net interest margin | 3.2377% | 4,216 |
| Noninterest income to average assets | 0.0629% | 5,086 |
| Noninterest expense to average assets | 1.8362% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3993% | 1,471 |
| Return on assets (ROA) | 1.3993% | 1,529 |
| Pretax return on assets | 1.3993% | 2,318 |
| Return on Equity (ROE) | 13.2397% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.1729% | 1,324 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7522% | 4,091 |
| Assets per employee ($millions) | 5.6970% | 1,851 |
| Cash dividends to net income (ytd only)* | 38.2697% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 648 |
| Loan loss allowance to noncurrent loans | 634.0102% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,170 |
| Noncurrent loans to loans | 0.2880% | 3,504 |
| Net loans and leases to total assets | 36.8387% | 4,910 |
| Net loans and leases to deposits | 41.1505% | 4,971 |
| Net loans and leases to core deposits | 43.9177% | 4,962 |
| Total domestic deposits to total assets | 89.5218% | 440 |
| Equity capital to assets | 10.2966% | 3,733 |
| Core capital (leverage) ratio | 10.2717% | 3,334 |
| Tier 1 risk-based capital ratio | 35.2924% | 335 |
| Total risk-based capital ratio | 36.5557% | 331 |
| Memoranda: | ||
| Average total assets | $171,802,000 | 3,125 |
| Average earning assets | $168,346,250 | 3,036 |
| Average equity | $18,157,000 | 3,346 |
| Average total loans | $68,251,500 | 3,846 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 4,215 |
| Cost of funding earning assets | 0.7624% | 2,839 |
| Net interest margin | 3.3164% | 4,104 |
| Noninterest income to average assets | 0.0689% | 5,116 |
| Noninterest expense to average assets | 1.8324% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4878% | 1,181 |
| Return on assets (ROA) | 1.4878% | 1,228 |
| Pretax return on assets | 1.4878% | 1,900 |
| Return on Equity (ROE) | 13.9481% | 994 |
| Retained earnings to average equity (ytd only) | 9.2467% | 971 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1897% | 4,347 |
| Assets per employee ($millions) | 6.0970% | 1,473 |
| Cash dividends to net income (ytd only)* | 33.7061% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 36.6983% | 4,955 |
| Net loans and leases to deposits | 41.0571% | 5,028 |
| Net loans and leases to core deposits | 43.6083% | 5,003 |
| Total domestic deposits to total assets | 89.3836% | 509 |
| Equity capital to assets | 10.4518% | 3,556 |
| Core capital (leverage) ratio | 10.1339% | 3,470 |
| Tier 1 risk-based capital ratio | 35.1393% | 334 |
| Total risk-based capital ratio | 36.4031% | 328 |
| Memoranda: | ||
| Average total assets | $168,301,670 | 3,173 |
| Average earning assets | $165,000,000 | 3,083 |
| Average equity | $17,952,330 | 3,358 |
| Average total loans | $68,199,670 | 3,871 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 4,202 |
| Cost of funding earning assets | 0.7268% | 2,907 |
| Net interest margin | 3.3452% | 4,042 |
| Noninterest income to average assets | 0.0561% | 5,196 |
| Noninterest expense to average assets | 1.8287% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5045% | 1,104 |
| Return on assets (ROA) | 1.5045% | 1,133 |
| Pretax return on assets | 1.5045% | 1,752 |
| Return on Equity (ROE) | 13.9526% | 983 |
| Retained earnings to average equity (ytd only) | 10.3570% | 951 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8647% | 4,450 |
| Assets per employee ($millions) | 5.7711% | 1,732 |
| Cash dividends to net income (ytd only)* | 25.7699% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 656 |
| Loan loss allowance to noncurrent loans | 299.5204% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,661 |
| Noncurrent loans to loans | 0.6132% | 2,500 |
| Net loans and leases to total assets | 38.5548% | 4,936 |
| Net loans and leases to deposits | 43.0674% | 5,008 |
| Net loans and leases to core deposits | 45.6323% | 5,001 |
| Total domestic deposits to total assets | 89.5219% | 633 |
| Equity capital to assets | 10.3654% | 3,457 |
| Core capital (leverage) ratio | 10.9142% | 2,653 |
| Tier 1 risk-based capital ratio | 33.2956% | 376 |
| Total risk-based capital ratio | 34.5587% | 364 |
| Memoranda: | ||
| Average total assets | $164,046,500 | 3,252 |
| Average earning assets | $160,705,500 | 3,160 |
| Average equity | $17,688,500 | 3,383 |
| Average total loans | $69,231,500 | 3,878 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 4,310 |
| Cost of funding earning assets | 0.5455% | 3,077 |
| Net interest margin | 3.3377% | 4,158 |
| Noninterest income to average assets | 0.3318% | 3,886 |
| Noninterest expense to average assets | 2.2624% | 4,200 |
| Loan and lease loss provision to assets | -0.0718% | 5,233 |
| Net operating income to assets | 1.4020% | 1,431 |
| Return on assets (ROA) | 1.4020% | 1,418 |
| Pretax return on assets | 1.4020% | 2,132 |
| Return on Equity (ROE) | 11.6401% | 1,848 |
| Retained earnings to average equity (ytd only) | 5.7366% | 2,334 |
| Net charge-offs to loans | 0.0015% | 3,710 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | 1,852.0000% | 55 |
| Efficiency ratio | 62.9748% | 3,348 |
| Assets per employee ($millions) | 4.9987% | 2,504 |
| Cash dividends to net income (ytd only)* | 50.7172% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 44.6651% | 4,795 |
| Net loans and leases to deposits | 50.3994% | 4,872 |
| Net loans and leases to core deposits | 53.6676% | 4,858 |
| Total domestic deposits to total assets | 88.6222% | 1,016 |
| Equity capital to assets | 11.2487% | 2,467 |
| Core capital (leverage) ratio | 11.9035% | 1,798 |
| Tier 1 risk-based capital ratio | 31.6797% | 401 |
| Total risk-based capital ratio | 32.9421% | 401 |
| Memoranda: | ||
| Average total assets | $139,233,400 | 3,517 |
| Average earning assets | $136,023,000 | 3,410 |
| Average equity | $16,769,600 | 3,427 |
| Average total loans | $68,311,600 | 3,909 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,386 |
| Cost of funding earning assets | 0.5158% | 3,092 |
| Net interest margin | 3.3058% | 4,263 |
| Noninterest income to average assets | 0.0916% | 5,238 |
| Noninterest expense to average assets | 2.3571% | 3,954 |
| Loan and lease loss provision to assets | -0.0985% | 5,346 |
| Net operating income to assets | 1.0603% | 2,822 |
| Return on assets (ROA) | 1.0603% | 2,833 |
| Pretax return on assets | 1.0603% | 3,535 |
| Return on Equity (ROE) | 8.6401% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.1038% | 4,542 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0214% | 2,036 |
| Assets per employee ($millions) | 4.5205% | 3,088 |
| Cash dividends to net income (ytd only)* | 75.6509% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 51.2962% | 4,509 |
| Net loans and leases to deposits | 58.3776% | 4,630 |
| Net loans and leases to core deposits | 62.8992% | 4,578 |
| Total domestic deposits to total assets | 87.8697% | 1,296 |
| Equity capital to assets | 11.9091% | 1,960 |
| Core capital (leverage) ratio | 11.8616% | 1,869 |
| Tier 1 risk-based capital ratio | 29.6703% | 495 |
| Total risk-based capital ratio | 30.9322% | 488 |
| Memoranda: | ||
| Average total assets | $135,301,750 | 3,613 |
| Average earning assets | $132,087,750 | 3,502 |
| Average equity | $16,604,250 | 3,469 |
| Average total loans | $67,773,750 | 3,953 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,666 |
| Cost of funding earning assets | 0.4779% | 3,171 |
| Net interest margin | 3.1817% | 4,548 |
| Noninterest income to average assets | 0.0883% | 5,302 |
| Noninterest expense to average assets | 2.2455% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9500% | 3,236 |
| Return on assets (ROA) | 0.9500% | 3,244 |
| Pretax return on assets | 0.9500% | 3,807 |
| Return on Equity (ROE) | 7.6617% | 3,642 |
| Retained earnings to average equity (ytd only) | -0.0121% | 4,959 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2715% | 2,266 |
| Assets per employee ($millions) | 4.4196% | 3,250 |
| Cash dividends to net income (ytd only)* | 100.1575% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 47.1917% | 4,759 |
| Net loans and leases to deposits | 53.7162% | 4,855 |
| Net loans and leases to core deposits | 57.6359% | 4,808 |
| Total domestic deposits to total assets | 87.8539% | 1,450 |
| Equity capital to assets | 12.0052% | 1,852 |
| Core capital (leverage) ratio | 12.3771% | 1,502 |
| Tier 1 risk-based capital ratio | 32.9355% | 376 |
| Total risk-based capital ratio | 34.2029% | 370 |
| Memoranda: | ||
| Average total assets | $133,690,000 | 3,648 |
| Average earning assets | $130,560,000 | 3,544 |
| Average equity | $16,576,000 | 3,488 |
| Average total loans | $65,986,330 | 4,017 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 4,732 |
| Cost of funding earning assets | 0.4364% | 3,321 |
| Net interest margin | 3.1509% | 4,598 |
| Noninterest income to average assets | 0.0667% | 5,433 |
| Noninterest expense to average assets | 2.2692% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8816% | 3,369 |
| Return on assets (ROA) | 0.8816% | 3,382 |
| Pretax return on assets | 0.8816% | 3,906 |
| Return on Equity (ROE) | 6.9952% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.7933% | 2,814 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0192% | 2,195 |
| Assets per employee ($millions) | 4.2703% | 3,532 |
| Cash dividends to net income (ytd only)* | 17.1821% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.2472% | 4,610 |
| Net loans and leases to deposits | 56.4901% | 4,670 |
| Net loans and leases to core deposits | 60.7962% | 4,618 |
| Total domestic deposits to total assets | 87.1785% | 2,056 |
| Equity capital to assets | 12.6304% | 1,415 |
| Core capital (leverage) ratio | 12.8384% | 1,237 |
| Tier 1 risk-based capital ratio | 33.4699% | 358 |
| Total risk-based capital ratio | 34.7373% | 353 |
| Memoranda: | ||
| Average total assets | $132,031,500 | 3,715 |
| Average earning assets | $129,232,500 | 3,596 |
| Average equity | $16,640,000 | 3,515 |
| Average total loans | $65,976,000 | 4,056 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 5,013 |
| Cost of funding earning assets | 0.3388% | 3,811 |
| Net interest margin | 3.0111% | 4,860 |
| Noninterest income to average assets | 0.1764% | 5,074 |
| Noninterest expense to average assets | 2.3968% | 4,088 |
| Loan and lease loss provision to assets | -0.1568% | 5,543 |
| Net operating income to assets | 0.8632% | 2,903 |
| Return on assets (ROA) | 0.8632% | 2,924 |
| Pretax return on assets | 0.8632% | 4,036 |
| Return on Equity (ROE) | 6.7863% | 3,387 |
| Retained earnings to average equity (ytd only) | 4.2900% | 2,586 |
| Net charge-offs to loans | -0.2884% | 5,559 |
| Credit loss provision to net charge-offs | 109.8901% | 2,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2360% | 1,454 |
| Assets per employee ($millions) | 3.9904% | 3,979 |
| Cash dividends to net income (ytd only)* | 36.7847% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 48.6445% | 4,726 |
| Net loans and leases to deposits | 55.7667% | 4,816 |
| Net loans and leases to core deposits | 59.1314% | 4,796 |
| Total domestic deposits to total assets | 87.2285% | 1,888 |
| Equity capital to assets | 12.5756% | 1,473 |
| Core capital (leverage) ratio | 12.6110% | 1,303 |
| Tier 1 risk-based capital ratio | 33.7333% | 352 |
| Total risk-based capital ratio | 35.0006% | 343 |
| Memoranda: | ||
| Average total assets | $127,544,400 | 3,787 |
| Average earning assets | $123,975,200 | 3,685 |
| Average equity | $16,223,800 | 3,565 |
| Average total loans | $63,110,200 | 4,126 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 5,063 |
| Cost of funding earning assets | 0.3324% | 3,831 |
| Net interest margin | 3.0029% | 4,910 |
| Noninterest income to average assets | 0.0780% | 5,537 |
| Noninterest expense to average assets | 2.4577% | 3,865 |
| Loan and lease loss provision to assets | -0.2108% | 5,660 |
| Net operating income to assets | 0.7441% | 3,763 |
| Return on assets (ROA) | 0.7441% | 3,828 |
| Pretax return on assets | 0.7441% | 4,499 |
| Return on Equity (ROE) | 5.8322% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.7675% | 4,252 |
| Net charge-offs to loans | -0.3880% | 5,631 |
| Credit loss provision to net charge-offs | 109.8901% | 2,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1705% | 900 |
| Assets per employee ($millions) | 3.9154% | 4,127 |
| Cash dividends to net income (ytd only)* | 52.5491% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2096% | 396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 3,205 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 46.2750% | 4,923 |
| Net loans and leases to deposits | 53.1103% | 5,001 |
| Net loans and leases to core deposits | 56.1165% | 4,998 |
| Total domestic deposits to total assets | 87.1301% | 1,806 |
| Equity capital to assets | 12.5875% | 1,611 |
| Core capital (leverage) ratio | 12.4769% | 1,421 |
| Tier 1 risk-based capital ratio | 33.1424% | 377 |
| Total risk-based capital ratio | 34.4113% | 367 |
| Memoranda: | ||
| Average total assets | $126,509,500 | 3,838 |
| Average earning assets | $122,724,000 | 3,738 |
| Average equity | $16,139,750 | 3,609 |
| Average total loans | $62,535,750 | 4,170 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3017% | 5,105 |
| Cost of funding earning assets | 0.3203% | 3,874 |
| Net interest margin | 2.9814% | 4,951 |
| Noninterest income to average assets | 0.0812% | 5,571 |
| Noninterest expense to average assets | 2.4632% | 3,882 |
| Loan and lease loss provision to assets | -0.3184% | 5,735 |
| Net operating income to assets | 0.8264% | 3,263 |
| Return on assets (ROA) | 0.8264% | 3,321 |
| Pretax return on assets | 0.8264% | 4,178 |
| Return on Equity (ROE) | 6.4479% | 3,854 |
| Retained earnings to average equity (ytd only) | 2.2611% | 4,324 |
| Net charge-offs to loans | -0.5778% | 5,700 |
| Credit loss provision to net charge-offs | 109.8901% | 1,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9046% | 929 |
| Assets per employee ($millions) | 4.0487% | 3,876 |
| Cash dividends to net income (ytd only)* | 64.9326% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 3,152 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 47.3150% | 4,865 |
| Net loans and leases to deposits | 54.4512% | 4,937 |
| Net loans and leases to core deposits | 57.6341% | 4,930 |
| Total domestic deposits to total assets | 86.8943% | 1,990 |
| Equity capital to assets | 12.8571% | 1,441 |
| Core capital (leverage) ratio | 12.8428% | 1,244 |
| Tier 1 risk-based capital ratio | 32.4242% | 389 |
| Total risk-based capital ratio | 33.6916% | 377 |
| Memoranda: | ||
| Average total assets | $125,610,000 | 3,872 |
| Average earning assets | $121,756,000 | 3,771 |
| Average equity | $16,098,330 | 3,629 |
| Average total loans | $63,000,330 | 4,175 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2959% | 5,108 |
| Cost of funding earning assets | 0.3217% | 3,834 |
| Net interest margin | 2.9742% | 4,945 |
| Noninterest income to average assets | 0.0828% | 5,639 |
| Noninterest expense to average assets | 2.4415% | 3,991 |
| Loan and lease loss provision to assets | -0.6366% | 5,840 |
| Net operating income to assets | 1.1619% | 1,623 |
| Return on assets (ROA) | 1.1619% | 1,662 |
| Pretax return on assets | 1.1619% | 2,737 |
| Return on Equity (ROE) | 9.0802% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.2343% | 1,362 |
| Net charge-offs to loans | -1.1289% | 5,786 |
| Credit loss provision to net charge-offs | 110.4972% | 1,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2961% | 1,133 |
| Assets per employee ($millions) | 4.1247% | 3,799 |
| Cash dividends to net income (ytd only)* | 9.3151% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1079% | 542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 3,312 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 49.0330% | 4,748 |
| Net loans and leases to deposits | 56.2973% | 4,798 |
| Net loans and leases to core deposits | 59.5127% | 4,803 |
| Total domestic deposits to total assets | 87.0965% | 2,163 |
| Equity capital to assets | 12.7197% | 1,392 |
| Core capital (leverage) ratio | 12.9805% | 1,152 |
| Tier 1 risk-based capital ratio | 30.5158% | 461 |
| Total risk-based capital ratio | 31.7809% | 459 |
| Memoranda: | ||
| Average total assets | $125,660,000 | 3,908 |
| Average earning assets | $121,849,000 | 3,813 |
| Average equity | $16,079,000 | 3,654 |
| Average total loans | $64,132,500 | 4,182 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 4,983 |
| Cost of funding earning assets | 0.3243% | 3,804 |
| Net interest margin | 3.0742% | 4,793 |
| Noninterest income to average assets | 0.1740% | 5,352 |
| Noninterest expense to average assets | 2.5749% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5792% | 4,301 |
| Return on assets (ROA) | 0.5792% | 4,409 |
| Pretax return on assets | 0.5792% | 4,842 |
| Return on Equity (ROE) | 4.3609% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.4558% | 4,130 |
| Net charge-offs to loans | -0.0016% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6365% | 1,246 |
| Assets per employee ($millions) | 3.9824% | 3,998 |
| Cash dividends to net income (ytd only)* | 43.6865% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 462 |
| Loan loss allowance to noncurrent loans | 158.9686% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 1,477 |
| Noncurrent loans to loans | 1.3890% | 1,470 |
| Net loans and leases to total assets | 50.8695% | 4,702 |
| Net loans and leases to deposits | 58.5115% | 4,756 |
| Net loans and leases to core deposits | 61.0548% | 4,801 |
| Total domestic deposits to total assets | 86.9394% | 2,181 |
| Equity capital to assets | 12.8743% | 1,313 |
| Core capital (leverage) ratio | 12.7911% | 1,215 |
| Tier 1 risk-based capital ratio | 30.1040% | 475 |
| Total risk-based capital ratio | 31.3724% | 470 |
| Memoranda: | ||
| Average total assets | $118,956,000 | 4,015 |
| Average earning assets | $115,316,400 | 3,906 |
| Average equity | $15,799,600 | 3,719 |
| Average total loans | $62,779,400 | 4,203 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4300% | 4,955 |
| Cost of funding earning assets | 0.3213% | 3,856 |
| Net interest margin | 3.1087% | 4,751 |
| Noninterest income to average assets | 0.2037% | 5,254 |
| Noninterest expense to average assets | 2.6636% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5511% | 4,492 |
| Return on assets (ROA) | 0.5511% | 4,597 |
| Pretax return on assets | 0.5511% | 4,999 |
| Return on Equity (ROE) | 4.1159% | 4,861 |
| Retained earnings to average equity (ytd only) | 1.8593% | 4,752 |
| Net charge-offs to loans | -0.0021% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8581% | 1,089 |
| Assets per employee ($millions) | 3.9354% | 4,071 |
| Cash dividends to net income (ytd only)* | 54.8250% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3431% | 409 |
| Loan loss allowance to noncurrent loans | 143.3771% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 1,459 |
| Noncurrent loans to loans | 1.6342% | 1,314 |
| Net loans and leases to total assets | 48.4434% | 4,930 |
| Net loans and leases to deposits | 55.8612% | 5,006 |
| Net loans and leases to core deposits | 57.9975% | 5,052 |
| Total domestic deposits to total assets | 86.7211% | 2,021 |
| Equity capital to assets | 13.0453% | 1,467 |
| Core capital (leverage) ratio | 12.8140% | 1,262 |
| Tier 1 risk-based capital ratio | 29.6729% | 496 |
| Total risk-based capital ratio | 30.9403% | 482 |
| Memoranda: | ||
| Average total assets | $117,831,250 | 4,057 |
| Average earning assets | $114,128,500 | 3,947 |
| Average equity | $15,776,000 | 3,752 |
| Average total loans | $62,419,500 | 4,242 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 4,933 |
| Cost of funding earning assets | 0.3141% | 3,976 |
| Net interest margin | 3.1624% | 4,664 |
| Noninterest income to average assets | 0.2611% | 4,917 |
| Noninterest expense to average assets | 2.7104% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6115% | 4,218 |
| Return on assets (ROA) | 0.6115% | 4,345 |
| Pretax return on assets | 0.6115% | 4,853 |
| Return on Equity (ROE) | 4.5265% | 4,706 |
| Retained earnings to average equity (ytd only) | 1.5639% | 4,754 |
| Net charge-offs to loans | -0.0032% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5926% | 1,319 |
| Assets per employee ($millions) | 3.7988% | 4,268 |
| Cash dividends to net income (ytd only)* | 65.4494% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 488 |
| Loan loss allowance to noncurrent loans | 125.7092% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 1,361 |
| Noncurrent loans to loans | 1.8136% | 1,134 |
| Net loans and leases to total assets | 49.9984% | 4,838 |
| Net loans and leases to deposits | 57.6215% | 4,921 |
| Net loans and leases to core deposits | 62.0348% | 4,883 |
| Total domestic deposits to total assets | 86.7703% | 2,026 |
| Equity capital to assets | 13.0026% | 1,500 |
| Core capital (leverage) ratio | 13.5171% | 972 |
| Tier 1 risk-based capital ratio | 28.7756% | 548 |
| Total risk-based capital ratio | 30.0420% | 541 |
| Memoranda: | ||
| Average total assets | $116,442,330 | 4,117 |
| Average earning assets | $112,699,000 | 4,002 |
| Average equity | $15,729,670 | 3,774 |
| Average total loans | $63,053,330 | 4,257 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,480 |
| Cost of funding earning assets | 0.3154% | 4,002 |
| Net interest margin | 3.3319% | 4,102 |
| Noninterest income to average assets | 0.0913% | 5,847 |
| Noninterest expense to average assets | 2.8275% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4917% | 4,663 |
| Return on assets (ROA) | 0.4917% | 4,763 |
| Pretax return on assets | 0.4917% | 5,104 |
| Return on Equity (ROE) | 3.5688% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.5688% | 3,710 |
| Net charge-offs to loans | -0.0063% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1852% | 1,049 |
| Assets per employee ($millions) | 3.2927% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2199% | 576 |
| Loan loss allowance to noncurrent loans | 558.2677% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 2,771 |
| Noncurrent loans to loans | 0.3976% | 4,009 |
| Net loans and leases to total assets | 55.7904% | 4,280 |
| Net loans and leases to deposits | 65.1062% | 4,331 |
| Net loans and leases to core deposits | 70.6262% | 4,188 |
| Total domestic deposits to total assets | 85.6913% | 2,811 |
| Equity capital to assets | 14.1300% | 935 |
| Core capital (leverage) ratio | 13.9405% | 825 |
| Tier 1 risk-based capital ratio | 27.2898% | 657 |
| Total risk-based capital ratio | 28.5544% | 638 |
| Memoranda: | ||
| Average total assets | $113,883,500 | 4,183 |
| Average earning assets | $110,328,500 | 4,083 |
| Average equity | $15,691,500 | 3,780 |
| Average total loans | $63,482,000 | 4,276 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 4,782 |
| Cost of funding earning assets | 0.3348% | 3,850 |
| Net interest margin | 3.2238% | 4,545 |
| Noninterest income to average assets | 0.1029% | 5,866 |
| Noninterest expense to average assets | 2.8198% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4009% | 5,049 |
| Return on assets (ROA) | 0.4009% | 5,128 |
| Pretax return on assets | 0.4009% | 5,317 |
| Return on Equity (ROE) | 2.9281% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.2803% | 4,426 |
| Net charge-offs to loans | -0.0163% | 5,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5516% | 863 |
| Assets per employee ($millions) | 3.6192% | 4,609 |
| Cash dividends to net income (ytd only)* | 22.1239% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2461% | 554 |
| Loan loss allowance to noncurrent loans | 4,886.2069% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 3,450 |
| Noncurrent loans to loans | 0.0460% | 5,333 |
| Net loans and leases to total assets | 53.2492% | 4,566 |
| Net loans and leases to deposits | 61.6250% | 4,659 |
| Net loans and leases to core deposits | 66.8843% | 4,518 |
| Total domestic deposits to total assets | 86.4084% | 2,425 |
| Equity capital to assets | 13.4388% | 1,144 |
| Core capital (leverage) ratio | 13.2263% | 1,065 |
| Tier 1 risk-based capital ratio | 25.6795% | 762 |
| Total risk-based capital ratio | 26.9436% | 743 |
| Memoranda: | ||
| Average total assets | $112,737,200 | 4,201 |
| Average earning assets | $109,033,400 | 4,080 |
| Average equity | $15,436,800 | 3,769 |
| Average total loans | $61,302,000 | 4,341 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5541% | 4,857 |
| Cost of funding earning assets | 0.3314% | 3,973 |
| Net interest margin | 3.2227% | 4,599 |
| Noninterest income to average assets | 0.1072% | 5,929 |
| Noninterest expense to average assets | 2.8793% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3429% | 5,333 |
| Return on assets (ROA) | 0.3429% | 5,423 |
| Pretax return on assets | 0.3429% | 5,569 |
| Return on Equity (ROE) | 2.4926% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.8435% | 4,954 |
| Net charge-offs to loans | -0.0175% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3570% | 739 |
| Assets per employee ($millions) | 3.3156% | 5,099 |
| Cash dividends to net income (ytd only)* | 26.0423% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3145% | 563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 3,744 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.4628% | 4,802 |
| Net loans and leases to deposits | 59.5519% | 4,888 |
| Net loans and leases to core deposits | 64.4094% | 4,797 |
| Total domestic deposits to total assets | 86.4167% | 2,321 |
| Equity capital to assets | 13.3592% | 1,288 |
| Core capital (leverage) ratio | 13.1657% | 1,150 |
| Tier 1 risk-based capital ratio | 24.8775% | 869 |
| Total risk-based capital ratio | 26.1409% | 855 |
| Memoranda: | ||
| Average total assets | $111,968,000 | 4,266 |
| Average earning assets | $108,229,500 | 4,139 |
| Average equity | $15,405,000 | 3,807 |
| Average total loans | $60,855,750 | 4,405 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6439% | 4,595 |
| Cost of funding earning assets | 0.3241% | 4,102 |
| Net interest margin | 3.3198% | 4,213 |
| Noninterest income to average assets | 0.1067% | 6,002 |
| Noninterest expense to average assets | 2.9220% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3888% | 5,166 |
| Return on assets (ROA) | 0.3888% | 5,279 |
| Pretax return on assets | 0.3888% | 5,489 |
| Return on Equity (ROE) | 2.7972% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.1467% | 4,636 |
| Net charge-offs to loans | -0.0165% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2578% | 895 |
| Assets per employee ($millions) | 3.4464% | 4,900 |
| Cash dividends to net income (ytd only)* | 23.2558% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3173% | 624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 3,832 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.3345% | 4,723 |
| Net loans and leases to deposits | 60.6796% | 4,793 |
| Net loans and leases to core deposits | 66.4857% | 4,610 |
| Total domestic deposits to total assets | 86.2473% | 2,559 |
| Equity capital to assets | 13.5593% | 1,149 |
| Core capital (leverage) ratio | 13.7804% | 910 |
| Tier 1 risk-based capital ratio | 27.1859% | 697 |
| Total risk-based capital ratio | 28.4513% | 678 |
| Memoranda: | ||
| Average total assets | $110,608,330 | 4,329 |
| Average earning assets | $106,754,670 | 4,207 |
| Average equity | $15,372,330 | 3,835 |
| Average total loans | $60,762,330 | 4,440 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,398 |
| Cost of funding earning assets | 0.3231% | 4,188 |
| Net interest margin | 3.3678% | 3,961 |
| Noninterest income to average assets | 0.1100% | 6,038 |
| Noninterest expense to average assets | 2.8942% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4659% | 4,809 |
| Return on assets (ROA) | 0.4659% | 4,925 |
| Pretax return on assets | 0.4659% | 5,270 |
| Return on Equity (ROE) | 3.3099% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.6583% | 4,355 |
| Net charge-offs to loans | -0.0198% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1354% | 1,172 |
| Assets per employee ($millions) | 3.2717% | 5,290 |
| Cash dividends to net income (ytd only)* | 19.6850% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2777% | 726 |
| Loan loss allowance to noncurrent loans | 1,342.8571% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 3,575 |
| Noncurrent loans to loans | 0.1696% | 5,162 |
| Net loans and leases to total assets | 54.3839% | 4,392 |
| Net loans and leases to deposits | 63.2416% | 4,462 |
| Net loans and leases to core deposits | 69.4546% | 4,204 |
| Total domestic deposits to total assets | 85.9939% | 2,944 |
| Equity capital to assets | 13.8524% | 1,034 |
| Core capital (leverage) ratio | 14.2391% | 755 |
| Tier 1 risk-based capital ratio | 27.2450% | 695 |
| Total risk-based capital ratio | 28.5093% | 675 |
| Memoranda: | ||
| Average total assets | $109,047,500 | 4,390 |
| Average earning assets | $105,233,000 | 4,270 |
| Average equity | $15,348,000 | 3,865 |
| Average total loans | $60,677,500 | 4,477 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 5,123 |
| Cost of funding earning assets | 0.3360% | 4,418 |
| Net interest margin | 3.2476% | 4,758 |
| Noninterest income to average assets | 0.3212% | 4,822 |
| Noninterest expense to average assets | 2.9918% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4702% | 4,924 |
| Return on assets (ROA) | 0.4702% | 5,026 |
| Pretax return on assets | 0.4702% | 5,324 |
| Return on Equity (ROE) | 3.3853% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.0858% | 4,738 |
| Net charge-offs to loans | 0.9365% | 339 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.8654% | 4,546 |
| Efficiency ratio | 86.4171% | 1,129 |
| Assets per employee ($millions) | 3.1429% | 5,512 |
| Cash dividends to net income (ytd only)* | 38.3858% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 652 |
| Loan loss allowance to noncurrent loans | 1,352.8846% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 3,576 |
| Noncurrent loans to loans | 0.1749% | 5,196 |
| Net loans and leases to total assets | 54.3179% | 4,543 |
| Net loans and leases to deposits | 63.4974% | 4,579 |
| Net loans and leases to core deposits | 70.6644% | 4,256 |
| Total domestic deposits to total assets | 85.5434% | 3,057 |
| Equity capital to assets | 14.3059% | 871 |
| Core capital (leverage) ratio | 13.6132% | 934 |
| Tier 1 risk-based capital ratio | 26.3672% | 731 |
| Total risk-based capital ratio | 27.6324% | 713 |
| Memoranda: | ||
| Average total assets | $108,027,800 | 4,415 |
| Average earning assets | $104,478,200 | 4,302 |
| Average equity | $15,006,000 | 3,833 |
| Average total loans | $62,677,200 | 4,406 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 5,164 |
| Cost of funding earning assets | 0.3309% | 4,548 |
| Net interest margin | 3.2591% | 4,764 |
| Noninterest income to average assets | 0.3483% | 4,657 |
| Noninterest expense to average assets | 2.9701% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5305% | 4,757 |
| Return on assets (ROA) | 0.5305% | 4,831 |
| Pretax return on assets | 0.5305% | 5,236 |
| Return on Equity (ROE) | 3.8475% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.3299% | 4,890 |
| Net charge-offs to loans | 1.2370% | 216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.7317% | 4,327 |
| Efficiency ratio | 84.8453% | 1,300 |
| Assets per employee ($millions) | 2.9663% | 5,767 |
| Cash dividends to net income (ytd only)* | 39.4431% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4300% | 699 |
| Loan loss allowance to noncurrent loans | 1,447.1154% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 3,932 |
| Noncurrent loans to loans | 0.1679% | 5,409 |
| Net loans and leases to total assets | 53.6112% | 4,622 |
| Net loans and leases to deposits | 62.0196% | 4,739 |
| Net loans and leases to core deposits | 67.7664% | 4,531 |
| Total domestic deposits to total assets | 86.4424% | 2,619 |
| Equity capital to assets | 13.4254% | 1,218 |
| Core capital (leverage) ratio | 13.4389% | 1,020 |
| Tier 1 risk-based capital ratio | 24.2620% | 959 |
| Total risk-based capital ratio | 25.5255% | 937 |
| Memoranda: | ||
| Average total assets | $108,320,250 | 4,455 |
| Average earning assets | $104,771,500 | 4,332 |
| Average equity | $14,935,750 | 3,870 |
| Average total loans | $63,484,000 | 4,415 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 5,162 |
| Cost of funding earning assets | 0.3254% | 4,696 |
| Net interest margin | 3.2698% | 4,702 |
| Noninterest income to average assets | 0.3388% | 4,720 |
| Noninterest expense to average assets | 3.0266% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4717% | 4,928 |
| Return on assets (ROA) | 0.4717% | 4,998 |
| Pretax return on assets | 0.4717% | 5,361 |
| Return on Equity (ROE) | 3.3894% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.4391% | 5,166 |
| Net charge-offs to loans | 1.8000% | 133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.4375% | 4,044 |
| Efficiency ratio | 86.5169% | 1,222 |
| Assets per employee ($millions) | 3.1411% | 5,527 |
| Cash dividends to net income (ytd only)* | 57.5397% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4255% | 787 |
| Loan loss allowance to noncurrent loans | 129.7436% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 1,948 |
| Noncurrent loans to loans | 1.8694% | 1,838 |
| Net loans and leases to total assets | 57.1808% | 4,092 |
| Net loans and leases to deposits | 66.6412% | 4,201 |
| Net loans and leases to core deposits | 71.5249% | 4,096 |
| Total domestic deposits to total assets | 85.8040% | 3,149 |
| Equity capital to assets | 14.0611% | 947 |
| Core capital (leverage) ratio | 14.2714% | 763 |
| Tier 1 risk-based capital ratio | 24.6488% | 910 |
| Total risk-based capital ratio | 25.9143% | 895 |
| Memoranda: | ||
| Average total assets | $106,854,000 | 4,518 |
| Average earning assets | $103,247,330 | 4,378 |
| Average equity | $14,870,000 | 3,879 |
| Average total loans | $64,000,330 | 4,421 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 5,168 |
| Cost of funding earning assets | 0.3290% | 4,748 |
| Net interest margin | 3.2711% | 4,666 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 3.0725% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0898% | 6,054 |
| Return on assets (ROA) | 0.0898% | 6,079 |
| Pretax return on assets | 0.0898% | 6,096 |
| Return on Equity (ROE) | 0.6488% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.6488% | 5,332 |
| Net charge-offs to loans | 0.1113% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,118 |
| Efficiency ratio | 97.1598% | 586 |
| Assets per employee ($millions) | 3.2855% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2010% | 358 |
| Loan loss allowance to noncurrent loans | 90.2609% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.4765% | 1,298 |
| Noncurrent loans to loans | 3.5464% | 814 |
| Net loans and leases to total assets | 57.9026% | 3,854 |
| Net loans and leases to deposits | 67.1537% | 3,959 |
| Net loans and leases to core deposits | 71.9667% | 3,873 |
| Total domestic deposits to total assets | 86.2239% | 3,245 |
| Equity capital to assets | 13.6709% | 1,047 |
| Core capital (leverage) ratio | 13.8593% | 866 |
| Tier 1 risk-based capital ratio | 23.9019% | 1,014 |
| Total risk-based capital ratio | 25.1779% | 992 |
| Memoranda: | ||
| Average total assets | $106,882,000 | 4,563 |
| Average earning assets | $103,330,500 | 4,415 |
| Average equity | $14,796,500 | 3,898 |
| Average total loans | $64,707,500 | 4,442 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 4,982 |
| Cost of funding earning assets | 0.3565% | 5,076 |
| Net interest margin | 3.3915% | 4,308 |
| Noninterest income to average assets | 0.0213% | 6,612 |
| Noninterest expense to average assets | 3.0436% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2102% | 5,794 |
| Return on assets (ROA) | 0.2102% | 5,858 |
| Pretax return on assets | 0.2102% | 5,918 |
| Return on Equity (ROE) | 1.5375% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.5375% | 5,124 |
| Net charge-offs to loans | -0.2111% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5401% | 772 |
| Assets per employee ($millions) | 3.0098% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2434% | 353 |
| Loan loss allowance to noncurrent loans | 66.5396% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 3.3974% | 881 |
| Noncurrent loans to loans | 4.8745% | 532 |
| Net loans and leases to total assets | 59.2981% | 3,827 |
| Net loans and leases to deposits | 69.0655% | 3,898 |
| Net loans and leases to core deposits | 75.1826% | 3,704 |
| Total domestic deposits to total assets | 85.8578% | 3,334 |
| Equity capital to assets | 14.0217% | 890 |
| Core capital (leverage) ratio | 13.4074% | 989 |
| Tier 1 risk-based capital ratio | 24.0505% | 947 |
| Total risk-based capital ratio | 25.3268% | 936 |
| Memoranda: | ||
| Average total assets | $107,996,200 | 4,547 |
| Average earning assets | $102,934,000 | 4,442 |
| Average equity | $14,764,200 | 3,909 |
| Average total loans | $66,785,000 | 4,386 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 4,715 |
| Cost of funding earning assets | 0.3551% | 5,250 |
| Net interest margin | 3.4812% | 3,961 |
| Noninterest income to average assets | -0.0233% | 6,777 |
| Noninterest expense to average assets | 3.0750% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2098% | 5,888 |
| Return on assets (ROA) | 0.2098% | 5,972 |
| Pretax return on assets | 0.2098% | 6,023 |
| Return on Equity (ROE) | 1.5444% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.5444% | 5,359 |
| Net charge-offs to loans | -0.2812% | 6,714 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6123% | 761 |
| Assets per employee ($millions) | 3.1323% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3188% | 407 |
| Loan loss allowance to noncurrent loans | 66.8902% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 3.1606% | 1,143 |
| Noncurrent loans to loans | 4.9616% | 609 |
| Net loans and leases to total assets | 54.1228% | 4,595 |
| Net loans and leases to deposits | 62.3767% | 4,705 |
| Net loans and leases to core deposits | 67.4454% | 4,576 |
| Total domestic deposits to total assets | 86.7677% | 2,816 |
| Equity capital to assets | 13.0496% | 1,314 |
| Core capital (leverage) ratio | 13.0016% | 1,203 |
| Tier 1 risk-based capital ratio | 25.8031% | 802 |
| Total risk-based capital ratio | 27.0846% | 784 |
| Memoranda: | ||
| Average total assets | $108,659,250 | 4,568 |
| Average earning assets | $103,256,750 | 4,464 |
| Average equity | $14,762,500 | 3,960 |
| Average total loans | $67,341,000 | 4,397 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 4,415 |
| Cost of funding earning assets | 0.3545% | 5,356 |
| Net interest margin | 3.5627% | 3,514 |
| Noninterest income to average assets | -0.0690% | 6,839 |
| Noninterest expense to average assets | 3.0832% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2200% | 5,839 |
| Return on assets (ROA) | 0.2200% | 5,968 |
| Pretax return on assets | 0.2200% | 6,051 |
| Return on Equity (ROE) | 1.5969% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.5969% | 5,230 |
| Net charge-offs to loans | -0.4102% | 6,804 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3409% | 796 |
| Assets per employee ($millions) | 3.0457% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1139% | 521 |
| Loan loss allowance to noncurrent loans | 54.8886% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.9327% | 894 |
| Noncurrent loans to loans | 5.6732% | 531 |
| Net loans and leases to total assets | 59.4203% | 3,758 |
| Net loans and leases to deposits | 68.6917% | 3,908 |
| Net loans and leases to core deposits | 74.4586% | 3,736 |
| Total domestic deposits to total assets | 86.5029% | 3,113 |
| Equity capital to assets | 13.3256% | 1,210 |
| Core capital (leverage) ratio | 13.7103% | 910 |
| Tier 1 risk-based capital ratio | 24.5278% | 932 |
| Total risk-based capital ratio | 25.8055% | 908 |
| Memoranda: | ||
| Average total assets | $107,291,670 | 4,632 |
| Average earning assets | $101,553,330 | 4,531 |
| Average equity | $14,778,330 | 3,990 |
| Average total loans | $68,746,330 | 4,357 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 4,300 |
| Cost of funding earning assets | 0.3568% | 5,471 |
| Net interest margin | 3.5920% | 3,295 |
| Noninterest income to average assets | -0.2299% | 6,955 |
| Noninterest expense to average assets | 3.1023% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0452% | 6,265 |
| Return on assets (ROA) | 0.0452% | 6,349 |
| Pretax return on assets | 0.0452% | 6,346 |
| Return on Equity (ROE) | 0.3230% | 6,369 |
| Retained earnings to average equity (ytd only) | 0.3230% | 5,686 |
| Net charge-offs to loans | -0.7540% | 6,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5629% | 614 |
| Assets per employee ($millions) | 3.0062% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9420% | 698 |
| Loan loss allowance to noncurrent loans | 40.7588% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 5.4203% | 639 |
| Noncurrent loans to loans | 7.2182% | 394 |
| Net loans and leases to total assets | 63.5272% | 2,799 |
| Net loans and leases to deposits | 73.7173% | 2,955 |
| Net loans and leases to core deposits | 80.2510% | 2,782 |
| Total domestic deposits to total assets | 86.1767% | 3,434 |
| Equity capital to assets | 13.7198% | 1,130 |
| Core capital (leverage) ratio | 13.9062% | 821 |
| Tier 1 risk-based capital ratio | 22.8348% | 1,189 |
| Total risk-based capital ratio | 24.1100% | 1,159 |
| Memoranda: | ||
| Average total assets | $106,114,500 | 4,713 |
| Average earning assets | $99,778,000 | 4,630 |
| Average equity | $14,862,000 | 4,023 |
| Average total loans | $69,496,500 | 4,362 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 5,013 |
| Cost of funding earning assets | 0.5171% | 5,096 |
| Net interest margin | 3.5639% | 4,254 |
| Noninterest income to average assets | 0.1343% | 6,367 |
| Noninterest expense to average assets | 3.4486% | 1,949 |
| Loan and lease loss provision to assets | 0.0516% | 5,166 |
| Net operating income to assets | -0.1821% | 6,365 |
| Return on assets (ROA) | -0.1821% | 6,432 |
| Pretax return on assets | -0.1821% | 6,412 |
| Return on Equity (ROE) | -1.2948% | 6,407 |
| Retained earnings to average equity (ytd only) | -1.2948% | 6,061 |
| Net charge-offs to loans | 0.3359% | 2,957 |
| Credit loss provision to net charge-offs | 23.7069% | 5,233 |
| Earnings coverage of net charge-offs (x) | -0.5991% | 5,693 |
| Efficiency ratio | 103.9332% | 445 |
| Assets per employee ($millions) | 3.0590% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8654% | 769 |
| Loan loss allowance to noncurrent loans | 46.5000% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 7.4909% | 399 |
| Noncurrent loans to loans | 6.1622% | 573 |
| Net loans and leases to total assets | 63.6550% | 2,958 |
| Net loans and leases to deposits | 74.4111% | 3,036 |
| Net loans and leases to core deposits | 81.9846% | 2,776 |
| Total domestic deposits to total assets | 85.5451% | 3,588 |
| Equity capital to assets | 14.3030% | 936 |
| Core capital (leverage) ratio | 14.0980% | 775 |
| Tier 1 risk-based capital ratio | 22.8579% | 1,131 |
| Total risk-based capital ratio | 24.1307% | 1,112 |
| Memoranda: | ||
| Average total assets | $106,508,400 | 4,665 |
| Average earning assets | $95,147,400 | 4,717 |
| Average equity | $14,982,800 | 3,971 |
| Average total loans | $69,077,000 | 4,386 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 5,010 |
| Cost of funding earning assets | 0.5588% | 5,007 |
| Net interest margin | 3.5871% | 4,285 |
| Noninterest income to average assets | 0.1257% | 6,507 |
| Noninterest expense to average assets | 3.3415% | 2,154 |
| Loan and lease loss provision to assets | 0.0684% | 4,822 |
| Net operating income to assets | -0.1045% | 6,406 |
| Return on assets (ROA) | -0.1045% | 6,500 |
| Pretax return on assets | -0.1045% | 6,482 |
| Return on Equity (ROE) | -0.7462% | 6,480 |
| Retained earnings to average equity (ytd only) | -0.7462% | 6,230 |
| Net charge-offs to loans | 0.4117% | 2,449 |
| Credit loss provision to net charge-offs | 25.7009% | 4,870 |
| Earnings coverage of net charge-offs (x) | -0.1355% | 5,394 |
| Efficiency ratio | 101.0919% | 507 |
| Assets per employee ($millions) | 2.9644% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9507% | 763 |
| Loan loss allowance to noncurrent loans | 45.2999% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 7.6962% | 413 |
| Noncurrent loans to loans | 6.5138% | 586 |
| Net loans and leases to total assets | 62.4811% | 3,303 |
| Net loans and leases to deposits | 73.2688% | 3,396 |
| Net loans and leases to core deposits | 81.0173% | 3,085 |
| Total domestic deposits to total assets | 85.2766% | 3,629 |
| Equity capital to assets | 14.5124% | 967 |
| Core capital (leverage) ratio | 13.7366% | 931 |
| Tier 1 risk-based capital ratio | 22.5902% | 1,240 |
| Total risk-based capital ratio | 23.8618% | 1,213 |
| Memoranda: | ||
| Average total assets | $107,134,000 | 4,705 |
| Average earning assets | $94,966,750 | 4,770 |
| Average equity | $15,009,500 | 4,000 |
| Average total loans | $69,306,750 | 4,419 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 5,227 |
| Cost of funding earning assets | 0.5918% | 4,968 |
| Net interest margin | 3.5324% | 4,545 |
| Noninterest income to average assets | 0.1201% | 6,583 |
| Noninterest expense to average assets | 3.3382% | 2,188 |
| Loan and lease loss provision to assets | 0.1016% | 4,256 |
| Net operating income to assets | -0.1219% | 6,461 |
| Return on assets (ROA) | -0.1219% | 6,555 |
| Pretax return on assets | -0.1219% | 6,532 |
| Return on Equity (ROE) | -0.8804% | 6,533 |
| Retained earnings to average equity (ytd only) | -0.8804% | 6,193 |
| Net charge-offs to loans | 0.2623% | 3,010 |
| Credit loss provision to net charge-offs | 59.7826% | 3,804 |
| Earnings coverage of net charge-offs (x) | -0.1196% | 5,133 |
| Efficiency ratio | 100.6125% | 539 |
| Assets per employee ($millions) | 2.8826% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9982% | 783 |
| Loan loss allowance to noncurrent loans | 30.3202% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 7.6593% | 468 |
| Noncurrent loans to loans | 9.8886% | 278 |
| Net loans and leases to total assets | 63.4898% | 3,149 |
| Net loans and leases to deposits | 74.0824% | 3,281 |
| Net loans and leases to core deposits | 82.1614% | 2,942 |
| Total domestic deposits to total assets | 85.7016% | 3,506 |
| Equity capital to assets | 14.0987% | 1,051 |
| Core capital (leverage) ratio | 13.4635% | 989 |
| Tier 1 risk-based capital ratio | 22.1929% | 1,256 |
| Total risk-based capital ratio | 23.4664% | 1,230 |
| Memoranda: | ||
| Average total assets | $108,261,000 | 4,711 |
| Average earning assets | $98,008,000 | 4,711 |
| Average equity | $14,993,670 | 3,989 |
| Average total loans | $70,143,330 | 4,412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 5,713 |
| Cost of funding earning assets | 0.6179% | 4,980 |
| Net interest margin | 3.3968% | 5,140 |
| Noninterest income to average assets | 0.1210% | 6,648 |
| Noninterest expense to average assets | 3.0478% | 3,090 |
| Loan and lease loss provision to assets | 0.1650% | 3,325 |
| Net operating income to assets | 0.1137% | 6,208 |
| Return on assets (ROA) | 0.1137% | 6,335 |
| Pretax return on assets | 0.1137% | 6,362 |
| Return on Equity (ROE) | 0.8282% | 6,382 |
| Retained earnings to average equity (ytd only) | 0.8282% | 5,728 |
| Net charge-offs to loans | 0.6941% | 1,437 |
| Credit loss provision to net charge-offs | 36.8852% | 3,498 |
| Earnings coverage of net charge-offs (x) | 0.6230% | 4,022 |
| Efficiency ratio | 91.6207% | 968 |
| Assets per employee ($millions) | 2.8078% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9399% | 884 |
| Loan loss allowance to noncurrent loans | 29.9097% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 7.4802% | 541 |
| Noncurrent loans to loans | 9.8293% | 319 |
| Net loans and leases to total assets | 61.8969% | 3,276 |
| Net loans and leases to deposits | 71.8630% | 3,451 |
| Net loans and leases to core deposits | 78.9569% | 3,193 |
| Total domestic deposits to total assets | 86.1319% | 3,454 |
| Equity capital to assets | 13.7384% | 1,122 |
| Core capital (leverage) ratio | 13.4961% | 956 |
| Tier 1 risk-based capital ratio | 23.2276% | 1,109 |
| Total risk-based capital ratio | 24.5013% | 1,081 |
| Memoranda: | ||
| Average total assets | $109,064,000 | 4,728 |
| Average earning assets | $102,921,000 | 4,632 |
| Average equity | $14,972,000 | 3,997 |
| Average total loans | $70,311,000 | 4,441 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 6,122 |
| Cost of funding earning assets | 0.7987% | 4,885 |
| Net interest margin | 3.3784% | 5,551 |
| Noninterest income to average assets | 0.1541% | 6,380 |
| Noninterest expense to average assets | 3.1643% | 2,986 |
| Loan and lease loss provision to assets | 2.2261% | 230 |
| Net operating income to assets | -2.0127% | 7,029 |
| Return on assets (ROA) | -2.0127% | 7,039 |
| Pretax return on assets | -2.0127% | 7,028 |
| Return on Equity (ROE) | -14.4895% | 6,877 |
| Retained earnings to average equity (ytd only) | -14.4895% | 6,855 |
| Net charge-offs to loans | 2.7704% | 383 |
| Credit loss provision to net charge-offs | 129.5074% | 2,369 |
| Earnings coverage of net charge-offs (x) | 0.1241% | 5,740 |
| Efficiency ratio | 93.6826% | 943 |
| Assets per employee ($millions) | 2.7156% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0089% | 808 |
| Loan loss allowance to noncurrent loans | 28.2306% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 8.1675% | 488 |
| Noncurrent loans to loans | 10.6583% | 278 |
| Net loans and leases to total assets | 63.2083% | 3,350 |
| Net loans and leases to deposits | 73.3861% | 3,600 |
| Net loans and leases to core deposits | 81.8970% | 3,190 |
| Total domestic deposits to total assets | 86.1312% | 3,241 |
| Equity capital to assets | 13.7169% | 1,165 |
| Core capital (leverage) ratio | 12.8915% | 1,183 |
| Tier 1 risk-based capital ratio | 22.9762% | 1,103 |
| Total risk-based capital ratio | 24.2513% | 1,082 |
| Memoranda: | ||
| Average total assets | $118,098,600 | 4,457 |
| Average earning assets | $112,687,200 | 4,314 |
| Average equity | $16,405,000 | 3,664 |
| Average total loans | $73,275,000 | 4,370 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 6,216 |
| Cost of funding earning assets | 0.8266% | 4,969 |
| Net interest margin | 3.3688% | 5,663 |
| Noninterest income to average assets | 0.1516% | 6,498 |
| Noninterest expense to average assets | 3.0923% | 3,189 |
| Loan and lease loss provision to assets | 1.7664% | 342 |
| Net operating income to assets | -1.4864% | 7,038 |
| Return on assets (ROA) | -1.4864% | 7,051 |
| Pretax return on assets | -1.4864% | 7,015 |
| Return on Equity (ROE) | -10.6704% | 6,910 |
| Retained earnings to average equity (ytd only) | -10.6704% | 6,877 |
| Net charge-offs to loans | 2.8219% | 352 |
| Credit loss provision to net charge-offs | 102.0460% | 3,275 |
| Earnings coverage of net charge-offs (x) | 0.1618% | 5,486 |
| Efficiency ratio | 91.6968% | 1,051 |
| Assets per employee ($millions) | 3.1160% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1558% | 1,950 |
| Loan loss allowance to noncurrent loans | 19.6307% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 7.3771% | 642 |
| Noncurrent loans to loans | 10.9819% | 293 |
| Net loans and leases to total assets | 59.9103% | 4,145 |
| Net loans and leases to deposits | 69.4585% | 4,392 |
| Net loans and leases to core deposits | 76.9618% | 4,060 |
| Total domestic deposits to total assets | 86.2533% | 3,065 |
| Equity capital to assets | 13.5718% | 1,340 |
| Core capital (leverage) ratio | 13.0592% | 1,207 |
| Tier 1 risk-based capital ratio | 23.8391% | 1,031 |
| Total risk-based capital ratio | 25.1025% | 1,013 |
| Memoranda: | ||
| Average total assets | $120,467,000 | 4,411 |
| Average earning assets | $115,170,000 | 4,279 |
| Average equity | $16,781,250 | 3,618 |
| Average total loans | $73,896,250 | 4,389 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 6,079 |
| Cost of funding earning assets | 0.8591% | 4,990 |
| Net interest margin | 3.4207% | 5,477 |
| Noninterest income to average assets | 0.1420% | 6,615 |
| Noninterest expense to average assets | 2.8377% | 4,278 |
| Loan and lease loss provision to assets | 2.5851% | 197 |
| Net operating income to assets | -2.0074% | 7,192 |
| Return on assets (ROA) | -2.0074% | 7,194 |
| Pretax return on assets | -2.0074% | 7,164 |
| Return on Equity (ROE) | -14.2905% | 7,046 |
| Retained earnings to average equity (ytd only) | -14.2905% | 7,013 |
| Net charge-offs to loans | 3.9564% | 206 |
| Credit loss provision to net charge-offs | 106.4582% | 2,896 |
| Earnings coverage of net charge-offs (x) | 0.2379% | 5,129 |
| Efficiency ratio | 83.0836% | 1,945 |
| Assets per employee ($millions) | 3.2686% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2105% | 1,903 |
| Loan loss allowance to noncurrent loans | 21.9700% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 6.9208% | 743 |
| Noncurrent loans to loans | 10.0616% | 379 |
| Net loans and leases to total assets | 59.4771% | 4,380 |
| Net loans and leases to deposits | 70.1595% | 4,418 |
| Net loans and leases to core deposits | 78.1035% | 4,043 |
| Total domestic deposits to total assets | 84.7741% | 3,984 |
| Equity capital to assets | 13.3315% | 1,364 |
| Core capital (leverage) ratio | 13.0397% | 1,144 |
| Tier 1 risk-based capital ratio | 23.8079% | 1,024 |
| Total risk-based capital ratio | 25.0731% | 1,012 |
| Memoranda: | ||
| Average total assets | $121,153,670 | 4,418 |
| Average earning assets | $115,940,330 | 4,279 |
| Average equity | $17,018,330 | 3,566 |
| Average total loans | $74,361,330 | 4,418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 6,404 |
| Cost of funding earning assets | 0.8861% | 5,024 |
| Net interest margin | 3.2592% | 5,903 |
| Noninterest income to average assets | 0.1649% | 6,550 |
| Noninterest expense to average assets | 2.8072% | 4,405 |
| Loan and lease loss provision to assets | 0.0990% | 4,768 |
| Net operating income to assets | 0.3892% | 4,998 |
| Return on assets (ROA) | 0.3892% | 5,088 |
| Pretax return on assets | 0.3892% | 5,374 |
| Return on Equity (ROE) | 2.7024% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.7024% | 4,545 |
| Net charge-offs to loans | 0.0375% | 4,585 |
| Credit loss provision to net charge-offs | 428.5714% | 804 |
| Earnings coverage of net charge-offs (x) | 21.1429% | 1,089 |
| Efficiency ratio | 85.1852% | 1,814 |
| Assets per employee ($millions) | 3.1760% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 2,250 |
| Loan loss allowance to noncurrent loans | 17.1334% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 7.9620% | 598 |
| Noncurrent loans to loans | 12.0755% | 272 |
| Net loans and leases to total assets | 59.3853% | 4,389 |
| Net loans and leases to deposits | 70.4299% | 4,281 |
| Net loans and leases to core deposits | 79.4644% | 3,827 |
| Total domestic deposits to total assets | 84.3183% | 4,361 |
| Equity capital to assets | 14.1195% | 973 |
| Core capital (leverage) ratio | 14.1539% | 818 |
| Tier 1 risk-based capital ratio | 24.1114% | 963 |
| Total risk-based capital ratio | 25.3858% | 947 |
| Memoranda: | ||
| Average total assets | $121,261,000 | 4,437 |
| Average earning assets | $116,471,000 | 4,288 |
| Average equity | $17,466,000 | 3,498 |
| Average total loans | $74,763,500 | 4,433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 6,127 |
| Cost of funding earning assets | 1.1596% | 4,792 |
| Net interest margin | 3.4355% | 5,494 |
| Noninterest income to average assets | 0.1676% | 6,531 |
| Noninterest expense to average assets | 3.1372% | 3,316 |
| Loan and lease loss provision to assets | 0.7440% | 2,205 |
| Net operating income to assets | -0.4352% | 6,343 |
| Return on assets (ROA) | -0.4352% | 6,371 |
| Pretax return on assets | -0.4352% | 6,274 |
| Return on Equity (ROE) | -2.9317% | 6,272 |
| Retained earnings to average equity (ytd only) | -2.9317% | 6,090 |
| Net charge-offs to loans | 0.5028% | 3,608 |
| Credit loss provision to net charge-offs | 237.7309% | 1,225 |
| Earnings coverage of net charge-offs (x) | 0.9868% | 5,121 |
| Efficiency ratio | 91.0376% | 1,241 |
| Assets per employee ($millions) | 3.1226% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0574% | 2,163 |
| Loan loss allowance to noncurrent loans | 15.4257% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 9.0318% | 497 |
| Noncurrent loans to loans | 13.3372% | 216 |
| Net loans and leases to total assets | 61.4244% | 4,411 |
| Net loans and leases to deposits | 73.5729% | 4,262 |
| Net loans and leases to core deposits | 83.9428% | 3,598 |
| Total domestic deposits to total assets | 83.4878% | 4,613 |
| Equity capital to assets | 14.7002% | 861 |
| Core capital (leverage) ratio | 14.0313% | 840 |
| Tier 1 risk-based capital ratio | 23.9096% | 941 |
| Total risk-based capital ratio | 25.1835% | 919 |
| Memoranda: | ||
| Average total assets | $121,095,600 | 4,463 |
| Average earning assets | $115,558,600 | 4,331 |
| Average equity | $17,976,000 | 3,428 |
| Average total loans | $75,376,800 | 4,470 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 6,080 |
| Cost of funding earning assets | 1.2102% | 4,804 |
| Net interest margin | 3.4753% | 5,390 |
| Noninterest income to average assets | 0.2016% | 6,452 |
| Noninterest expense to average assets | 2.8812% | 4,163 |
| Loan and lease loss provision to assets | 0.6102% | 2,496 |
| Net operating income to assets | 0.0197% | 5,958 |
| Return on assets (ROA) | 0.0197% | 6,078 |
| Pretax return on assets | 0.0197% | 6,062 |
| Return on Equity (ROE) | 0.1325% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.1325% | 5,723 |
| Net charge-offs to loans | 0.3368% | 3,964 |
| Credit loss provision to net charge-offs | 291.6230% | 1,100 |
| Earnings coverage of net charge-offs (x) | 3.0105% | 3,627 |
| Efficiency ratio | 82.0593% | 2,053 |
| Assets per employee ($millions) | 3.2094% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,762 |
| Loan loss allowance to noncurrent loans | 14.0206% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 9.2663% | 470 |
| Noncurrent loans to loans | 12.8933% | 231 |
| Net loans and leases to total assets | 61.2408% | 4,678 |
| Net loans and leases to deposits | 73.1196% | 4,667 |
| Net loans and leases to core deposits | 83.2754% | 4,054 |
| Total domestic deposits to total assets | 83.7542% | 4,251 |
| Equity capital to assets | 14.8346% | 937 |
| Core capital (leverage) ratio | 14.1917% | 885 |
| Tier 1 risk-based capital ratio | 23.9871% | 949 |
| Total risk-based capital ratio | 25.2570% | 920 |
| Memoranda: | ||
| Average total assets | $121,705,000 | 4,513 |
| Average earning assets | $115,902,000 | 4,389 |
| Average equity | $18,109,250 | 3,454 |
| Average total loans | $75,617,000 | 4,535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 5,620 |
| Cost of funding earning assets | 1.2418% | 4,883 |
| Net interest margin | 3.6045% | 4,793 |
| Noninterest income to average assets | 0.2335% | 6,237 |
| Noninterest expense to average assets | 3.0061% | 3,694 |
| Loan and lease loss provision to assets | 0.2467% | 4,464 |
| Net operating income to assets | 0.4078% | 4,721 |
| Return on assets (ROA) | 0.4078% | 4,882 |
| Pretax return on assets | 0.4078% | 5,201 |
| Return on Equity (ROE) | 2.7381% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.7381% | 4,390 |
| Net charge-offs to loans | 0.0398% | 5,815 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 26.5333% | 998 |
| Efficiency ratio | 82.1204% | 2,150 |
| Assets per employee ($millions) | 3.2417% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,788 |
| Loan loss allowance to noncurrent loans | 12.9676% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 8.4011% | 562 |
| Noncurrent loans to loans | 11.7699% | 304 |
| Net loans and leases to total assets | 59.9175% | 5,073 |
| Net loans and leases to deposits | 71.8954% | 5,010 |
| Net loans and leases to core deposits | 82.2790% | 4,380 |
| Total domestic deposits to total assets | 83.3398% | 4,423 |
| Equity capital to assets | 14.9148% | 901 |
| Core capital (leverage) ratio | 14.6671% | 791 |
| Tier 1 risk-based capital ratio | 24.5731% | 886 |
| Total risk-based capital ratio | 25.8394% | 865 |
| Memoranda: | ||
| Average total assets | $121,620,670 | 4,535 |
| Average earning assets | $115,634,330 | 4,422 |
| Average equity | $18,115,000 | 3,447 |
| Average total loans | $75,468,330 | 4,584 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 5,602 |
| Cost of funding earning assets | 1.2703% | 5,002 |
| Net interest margin | 3.6014% | 4,723 |
| Noninterest income to average assets | 0.2251% | 6,350 |
| Noninterest expense to average assets | 3.0818% | 3,341 |
| Loan and lease loss provision to assets | 0.2483% | 4,060 |
| Net operating income to assets | 0.3112% | 5,248 |
| Return on assets (ROA) | 0.3112% | 5,378 |
| Pretax return on assets | 0.3112% | 5,568 |
| Return on Equity (ROE) | 2.0905% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.0905% | 4,880 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6364% | 1,958 |
| Assets per employee ($millions) | 3.2242% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,227 |
| Loan loss allowance to noncurrent loans | 19.0811% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 5.5983% | 1,096 |
| Noncurrent loans to loans | 7.5305% | 757 |
| Net loans and leases to total assets | 60.6889% | 4,998 |
| Net loans and leases to deposits | 72.9381% | 4,918 |
| Net loans and leases to core deposits | 83.2039% | 4,310 |
| Total domestic deposits to total assets | 83.2060% | 4,521 |
| Equity capital to assets | 14.7592% | 938 |
| Core capital (leverage) ratio | 14.6780% | 809 |
| Tier 1 risk-based capital ratio | 24.0095% | 967 |
| Total risk-based capital ratio | 25.2751% | 947 |
| Memoranda: | ||
| Average total assets | $120,838,000 | 4,608 |
| Average earning assets | $114,622,000 | 4,504 |
| Average equity | $17,986,000 | 3,485 |
| Average total loans | $75,725,500 | 4,643 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2280% | 5,520 |
| Cost of funding earning assets | 1.6941% | 4,545 |
| Net interest margin | 3.5339% | 4,808 |
| Noninterest income to average assets | 0.1587% | 6,937 |
| Noninterest expense to average assets | 2.7556% | 5,145 |
| Loan and lease loss provision to assets | 0.2302% | 5,528 |
| Net operating income to assets | 0.5419% | 3,565 |
| Return on assets (ROA) | 0.5419% | 3,649 |
| Pretax return on assets | 0.5419% | 4,072 |
| Return on Equity (ROE) | 3.7506% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.3238% | 2,846 |
| Net charge-offs to loans | 0.5292% | 3,667 |
| Credit loss provision to net charge-offs | 67.9612% | 6,530 |
| Earnings coverage of net charge-offs (x) | 2.2791% | 4,019 |
| Efficiency ratio | 78.1119% | 3,173 |
| Assets per employee ($millions) | 3.1357% | 5,899 |
| Cash dividends to net income (ytd only)* | 11.3809% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,605 |
| Loan loss allowance to noncurrent loans | 17.7297% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 6.8247% | 754 |
| Noncurrent loans to loans | 7.4871% | 709 |
| Net loans and leases to total assets | 62.9444% | 4,829 |
| Net loans and leases to deposits | 75.4737% | 4,823 |
| Net loans and leases to core deposits | 114.7012% | 2,441 |
| Total domestic deposits to total assets | 83.3991% | 4,337 |
| Equity capital to assets | 15.0131% | 908 |
| Core capital (leverage) ratio | 14.7091% | 838 |
| Tier 1 risk-based capital ratio | 24.4958% | 901 |
| Total risk-based capital ratio | 25.7606% | 876 |
| Memoranda: | ||
| Average total assets | $121,607,200 | 4,521 |
| Average earning assets | $115,933,000 | 4,399 |
| Average equity | $17,570,400 | 3,575 |
| Average total loans | $77,849,800 | 4,590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 5,592 |
| Cost of funding earning assets | 1.7894% | 4,424 |
| Net interest margin | 3.4761% | 4,968 |
| Noninterest income to average assets | 0.1636% | 7,031 |
| Noninterest expense to average assets | 2.7327% | 5,178 |
| Loan and lease loss provision to assets | 0.1418% | 5,939 |
| Net operating income to assets | 0.6120% | 3,568 |
| Return on assets (ROA) | 0.6120% | 3,612 |
| Pretax return on assets | 0.6120% | 4,152 |
| Return on Equity (ROE) | 4.2764% | 4,260 |
| Retained earnings to average equity (ytd only) | 3.7047% | 3,215 |
| Net charge-offs to loans | 0.5806% | 2,938 |
| Credit loss provision to net charge-offs | 38.1232% | 6,442 |
| Earnings coverage of net charge-offs (x) | 2.0264% | 4,300 |
| Efficiency ratio | 78.3792% | 3,108 |
| Assets per employee ($millions) | 3.0198% | 6,106 |
| Cash dividends to net income (ytd only)* | 13.3693% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 5,237 |
| Loan loss allowance to noncurrent loans | 14.4770% | 7,350 |
| Noncurrent assets plus other real estate owned to assets | 5.6181% | 1,005 |
| Noncurrent loans to loans | 8.1401% | 589 |
| Net loans and leases to total assets | 62.9885% | 5,070 |
| Net loans and leases to deposits | 75.5947% | 5,111 |
| Net loans and leases to core deposits | 112.4103% | 2,981 |
| Total domestic deposits to total assets | 83.3240% | 4,052 |
| Equity capital to assets | 14.5405% | 1,131 |
| Core capital (leverage) ratio | 14.0141% | 1,086 |
| Tier 1 risk-based capital ratio | 23.6906% | 1,036 |
| Total risk-based capital ratio | 24.9476% | 1,010 |
| Memoranda: | ||
| Average total assets | $122,220,000 | 4,536 |
| Average earning assets | $116,833,750 | 4,415 |
| Average equity | $17,490,750 | 3,615 |
| Average total loans | $78,309,500 | 4,613 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3259% | 5,526 |
| Cost of funding earning assets | 1.8860% | 4,341 |
| Net interest margin | 3.4399% | 5,027 |
| Noninterest income to average assets | 0.1644% | 7,106 |
| Noninterest expense to average assets | 2.8532% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5966% | 3,693 |
| Return on assets (ROA) | 0.5966% | 3,800 |
| Pretax return on assets | 0.5966% | 4,331 |
| Return on Equity (ROE) | 4.1917% | 4,419 |
| Retained earnings to average equity (ytd only) | 3.3256% | 3,476 |
| Net charge-offs to loans | 0.8783% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.0583% | 4,726 |
| Efficiency ratio | 82.7061% | 2,638 |
| Assets per employee ($millions) | 3.1349% | 5,759 |
| Cash dividends to net income (ytd only)* | 20.6612% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,185 |
| Loan loss allowance to noncurrent loans | 11.0312% | 7,478 |
| Noncurrent assets plus other real estate owned to assets | 6.1948% | 768 |
| Noncurrent loans to loans | 9.1278% | 426 |
| Net loans and leases to total assets | 62.5655% | 5,258 |
| Net loans and leases to deposits | 74.2879% | 5,414 |
| Net loans and leases to core deposits | 111.6656% | 3,186 |
| Total domestic deposits to total assets | 84.2203% | 3,633 |
| Equity capital to assets | 13.9902% | 1,314 |
| Core capital (leverage) ratio | 13.9979% | 1,141 |
| Tier 1 risk-based capital ratio | 22.6630% | 1,173 |
| Total risk-based capital ratio | 23.7154% | 1,159 |
| Memoranda: | ||
| Average total assets | $121,689,000 | 4,589 |
| Average earning assets | $116,224,670 | 4,458 |
| Average equity | $17,320,000 | 3,654 |
| Average total loans | $78,106,670 | 4,652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 5,472 |
| Cost of funding earning assets | 1.9326% | 4,472 |
| Net interest margin | 3.4591% | 4,901 |
| Noninterest income to average assets | 0.1669% | 7,110 |
| Noninterest expense to average assets | 2.7972% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6676% | 3,721 |
| Return on assets (ROA) | 0.6676% | 3,895 |
| Pretax return on assets | 0.6676% | 4,533 |
| Return on Equity (ROE) | 4.6489% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.9055% | 4,250 |
| Net charge-offs to loans | 0.5365% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.9231% | 3,755 |
| Efficiency ratio | 80.7322% | 2,703 |
| Assets per employee ($millions) | 3.2148% | 5,558 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,018 |
| Loan loss allowance to noncurrent loans | 15.6955% | 7,373 |
| Noncurrent assets plus other real estate owned to assets | 5.9723% | 667 |
| Noncurrent loans to loans | 8.3479% | 417 |
| Net loans and leases to total assets | 63.9378% | 5,000 |
| Net loans and leases to deposits | 75.3577% | 5,302 |
| Net loans and leases to core deposits | 111.6257% | 3,248 |
| Total domestic deposits to total assets | 84.8458% | 3,274 |
| Equity capital to assets | 14.0369% | 1,353 |
| Core capital (leverage) ratio | 13.9235% | 1,204 |
| Tier 1 risk-based capital ratio | 21.8839% | 1,315 |
| Total risk-based capital ratio | 23.1472% | 1,284 |
| Memoranda: | ||
| Average total assets | $119,836,000 | 4,660 |
| Average earning assets | $114,250,500 | 4,525 |
| Average equity | $17,208,500 | 3,693 |
| Average total loans | $77,534,000 | 4,696 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3835% | 3,505 |
| Cost of funding earning assets | 2.4259% | 4,602 |
| Net interest margin | 3.9576% | 3,326 |
| Noninterest income to average assets | -3.1569% | 8,300 |
| Noninterest expense to average assets | 2.4491% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.8218% | 7,563 |
| Return on assets (ROA) | -1.8218% | 7,517 |
| Pretax return on assets | -1.8218% | 7,382 |
| Return on Equity (ROE) | -11.9024% | 7,421 |
| Retained earnings to average equity (ytd only) | -19.3486% | 7,667 |
| Net charge-offs to loans | -0.0103% | 7,856 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 390.3846% | 70 |
| Assets per employee ($millions) | 3.0923% | 5,794 |
| Cash dividends to net income (ytd only)* | -62.5607% | 8,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 2,673 |
| Loan loss allowance to noncurrent loans | 24.0008% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 4.2448% | 934 |
| Noncurrent loans to loans | 6.2617% | 533 |
| Net loans and leases to total assets | 63.6391% | 5,350 |
| Net loans and leases to deposits | 77.8466% | 5,364 |
| Net loans and leases to core deposits | 115.7368% | 3,151 |
| Total domestic deposits to total assets | 81.7493% | 4,298 |
| Equity capital to assets | 14.6960% | 1,250 |
| Core capital (leverage) ratio | 14.3397% | 1,179 |
| Tier 1 risk-based capital ratio | 24.2423% | 1,059 |
| Total risk-based capital ratio | 25.5106% | 1,037 |
| Memoranda: | ||
| Average total assets | $124,330,600 | 4,410 |
| Average earning assets | $118,884,800 | 4,288 |
| Average equity | $19,029,800 | 3,389 |
| Average total loans | $77,495,000 | 4,602 |