Home > First National Bank of Decatur County > Performance and Condition Ratios
First National Bank of Decatur County, 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 | 5.1326% | 1,786 |
| Cost of funding earning assets | 2.2351% | 602 |
| Net interest margin | 2.8976% | 3,495 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.8809% | 1,311 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.0442% | 4,292 |
| Return on assets (ROA) | 0.0260% | 4,332 |
| Pretax return on assets | -0.0127% | 4,361 |
| Return on Equity (ROE) | 0.4100% | 4,311 |
| Retained earnings to average equity (ytd only) | -2.1000% | 4,276 |
| Net charge-offs to loans | 0.2804% | 380 |
| Credit loss provision to net charge-offs | 57.8244% | 2,163 |
| Earnings coverage of net charge-offs (x) | 0.6412% | 2,802 |
| Efficiency ratio | 96.4380% | 246 |
| Assets per employee ($millions) | 6.1407% | 2,699 |
| Cash dividends to net income (ytd only)* | 609.7561% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,287 |
| Loan loss allowance to noncurrent loans | 406.3032% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 1,741 |
| Noncurrent loans to loans | 0.2958% | 2,119 |
| Net loans and leases to total assets | 63.8600% | 2,475 |
| Net loans and leases to deposits | 68.7996% | 2,972 |
| Net loans and leases to core deposits | 96.8116% | 1,614 |
| Total domestic deposits to total assets | 92.8300% | 189 |
| Equity capital to assets | 6.6331% | 4,074 |
| Core capital (leverage) ratio | 8.5744% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2141% | 2,165 |
| Memoranda: | ||
| Average total assets | $315,765,200 | 2,341 |
| Average earning assets | $288,449,600 | 2,360 |
| Average equity | $19,904,600 | 2,864 |
| Average total loans | $186,848,600 | 2,379 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 1,938 |
| Cost of funding earning assets | 2.0528% | 644 |
| Net interest margin | 2.9019% | 3,540 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.7442% | 1,558 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.1804% | 4,252 |
| Return on assets (ROA) | 0.2378% | 4,204 |
| Pretax return on assets | 0.2940% | 4,174 |
| Return on Equity (ROE) | 3.8200% | 4,005 |
| Retained earnings to average equity (ytd only) | 0.4514% | 4,050 |
| Net charge-offs to loans | 0.2486% | 357 |
| Credit loss provision to net charge-offs | 23.3236% | 1,998 |
| Earnings coverage of net charge-offs (x) | 1.7843% | 2,518 |
| Efficiency ratio | 91.4477% | 337 |
| Assets per employee ($millions) | 6.1340% | 2,629 |
| Cash dividends to net income (ytd only)* | 88.1834% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,579 |
| Loan loss allowance to noncurrent loans | 268.0778% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 1,862 |
| Noncurrent loans to loans | 0.4323% | 1,752 |
| Net loans and leases to total assets | 65.1600% | 2,329 |
| Net loans and leases to deposits | 70.7118% | 2,795 |
| Net loans and leases to core deposits | 99.6301% | 1,335 |
| Total domestic deposits to total assets | 92.1400% | 427 |
| Equity capital to assets | 6.0065% | 3,988 |
| Core capital (leverage) ratio | 8.4924% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0925% | 2,234 |
| Memoranda: | ||
| Average total assets | $317,948,000 | 2,332 |
| Average earning assets | $291,298,500 | 2,356 |
| Average equity | $19,789,250 | 2,867 |
| Average total loans | $183,942,750 | 2,409 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 2,095 |
| Cost of funding earning assets | 1.6667% | 937 |
| Net interest margin | 3.0868% | 3,253 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.7318% | 1,574 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3206% | 4,128 |
| Return on assets (ROA) | 0.4414% | 3,933 |
| Pretax return on assets | 0.5415% | 3,894 |
| Return on Equity (ROE) | 7.0100% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.0746% | 3,709 |
| Net charge-offs to loans | 0.3677% | 223 |
| Credit loss provision to net charge-offs | 24.4648% | 1,756 |
| Earnings coverage of net charge-offs (x) | 2.1835% | 2,318 |
| Efficiency ratio | 86.0219% | 496 |
| Assets per employee ($millions) | 5.9715% | 2,731 |
| Cash dividends to net income (ytd only)* | 70.4225% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,008 |
| Loan loss allowance to noncurrent loans | 318.7838% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 1,998 |
| Noncurrent loans to loans | 0.4019% | 1,727 |
| Net loans and leases to total assets | 58.5400% | 2,916 |
| Net loans and leases to deposits | 63.7203% | 3,210 |
| Net loans and leases to core deposits | 93.0668% | 1,621 |
| Total domestic deposits to total assets | 91.8600% | 445 |
| Equity capital to assets | 6.4521% | 4,009 |
| Core capital (leverage) ratio | 8.7655% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7235% | 1,648 |
| Memoranda: | ||
| Average total assets | $321,697,333 | 2,316 |
| Average earning assets | $294,477,000 | 2,345 |
| Average equity | $20,245,000 | 2,845 |
| Average total loans | $177,864,333 | 2,467 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,391 |
| Cost of funding earning assets | 1.0172% | 1,990 |
| Net interest margin | 3.4517% | 2,492 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.6954% | 1,689 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6151% | 3,662 |
| Return on assets (ROA) | 0.6295% | 3,591 |
| Pretax return on assets | 0.8031% | 3,457 |
| Return on Equity (ROE) | 10.1500% | 2,744 |
| Retained earnings to average equity (ytd only) | 0.2958% | 3,977 |
| Net charge-offs to loans | 0.7509% | 101 |
| Credit loss provision to net charge-offs | 6.0976% | 1,411 |
| Earnings coverage of net charge-offs (x) | 2.0183% | 1,943 |
| Efficiency ratio | 76.9097% | 1,088 |
| Assets per employee ($millions) | 6.7026% | 2,193 |
| Cash dividends to net income (ytd only)* | 97.0874% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,101 |
| Loan loss allowance to noncurrent loans | 281.9632% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 1,924 |
| Noncurrent loans to loans | 0.4564% | 1,578 |
| Net loans and leases to total assets | 51.5700% | 3,378 |
| Net loans and leases to deposits | 55.6626% | 3,583 |
| Net loans and leases to core deposits | 73.3466% | 2,730 |
| Total domestic deposits to total assets | 92.6400% | 365 |
| Equity capital to assets | 5.9845% | 4,204 |
| Core capital (leverage) ratio | 8.4072% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4631% | 1,803 |
| Memoranda: | ||
| Average total assets | $327,224,500 | 2,331 |
| Average earning assets | $301,992,500 | 2,335 |
| Average equity | $20,287,000 | 2,864 |
| Average total loans | $174,734,000 | 2,511 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 2,455 |
| Cost of funding earning assets | 0.4537% | 1,694 |
| Net interest margin | 3.2760% | 2,631 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.5356% | 2,007 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6203% | 3,831 |
| Return on assets (ROA) | 0.6203% | 3,782 |
| Pretax return on assets | 0.7436% | 3,755 |
| Return on Equity (ROE) | 9.0000% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.8049% | 1,915 |
| Net charge-offs to loans | 0.1959% | 417 |
| Credit loss provision to net charge-offs | 51.7799% | 1,812 |
| Earnings coverage of net charge-offs (x) | 7.7994% | 2,293 |
| Efficiency ratio | 76.0960% | 1,000 |
| Assets per employee ($millions) | 6.7960% | 2,122 |
| Cash dividends to net income (ytd only)* | 13.3191% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 1,876 |
| Loan loss allowance to noncurrent loans | 183.6768% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 1,317 |
| Noncurrent loans to loans | 0.7098% | 1,060 |
| Net loans and leases to total assets | 53.9500% | 3,206 |
| Net loans and leases to deposits | 58.4138% | 3,425 |
| Net loans and leases to core deposits | 68.7992% | 2,955 |
| Total domestic deposits to total assets | 92.3600% | 551 |
| Equity capital to assets | 6.4350% | 3,924 |
| Core capital (leverage) ratio | 9.0084% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5281% | 1,775 |
| Memoranda: | ||
| Average total assets | $302,572,600 | 2,437 |
| Average earning assets | $279,241,600 | 2,447 |
| Average equity | $20,845,800 | 2,873 |
| Average total loans | $157,759,800 | 2,556 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 2,594 |
| Cost of funding earning assets | 0.3926% | 1,344 |
| Net interest margin | 3.1148% | 2,887 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4128% | 2,281 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5808% | 3,885 |
| Return on assets (ROA) | 0.5808% | 3,838 |
| Pretax return on assets | 0.7527% | 3,685 |
| Return on Equity (ROE) | 8.2900% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.7020% | 2,476 |
| Net charge-offs to loans | 0.2374% | 289 |
| Credit loss provision to net charge-offs | 21.8182% | 1,622 |
| Earnings coverage of net charge-offs (x) | 6.3782% | 2,112 |
| Efficiency ratio | 75.5846% | 1,115 |
| Assets per employee ($millions) | 6.7174% | 2,150 |
| Cash dividends to net income (ytd only)* | 19.1278% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,055 |
| Loan loss allowance to noncurrent loans | 175.3447% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 1,304 |
| Noncurrent loans to loans | 0.7382% | 1,099 |
| Net loans and leases to total assets | 55.7800% | 2,921 |
| Net loans and leases to deposits | 60.4279% | 3,160 |
| Net loans and leases to core deposits | 65.8020% | 2,963 |
| Total domestic deposits to total assets | 92.3100% | 776 |
| Equity capital to assets | 6.3414% | 3,823 |
| Core capital (leverage) ratio | 8.7215% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1298% | 1,666 |
| Memoranda: | ||
| Average total assets | $300,061,500 | 2,471 |
| Average earning assets | $276,094,500 | 2,477 |
| Average equity | $21,028,000 | 2,898 |
| Average total loans | $154,475,750 | 2,592 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2592% | 2,875 |
| Cost of funding earning assets | 0.3505% | 1,252 |
| Net interest margin | 2.9087% | 3,142 |
| Noninterest income to average assets | 0.3237% | 3,236 |
| Noninterest expense to average assets | 2.3571% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4974% | 3,898 |
| Return on assets (ROA) | 0.4974% | 3,853 |
| Pretax return on assets | 0.6413% | 3,730 |
| Return on Equity (ROE) | 6.8840% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.5893% | 2,847 |
| Net charge-offs to loans | 0.1437% | 453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.9537% | 1,807 |
| Efficiency ratio | 78.6109% | 1,046 |
| Assets per employee ($millions) | 7.0016% | 1,939 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,518 |
| Loan loss allowance to noncurrent loans | 156.6989% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 1,182 |
| Noncurrent loans to loans | 0.9318% | 898 |
| Net loans and leases to total assets | 50.8596% | 3,284 |
| Net loans and leases to deposits | 55.2492% | 3,443 |
| Net loans and leases to core deposits | 61.0866% | 3,190 |
| Total domestic deposits to total assets | 92.0550% | 813 |
| Equity capital to assets | 6.7071% | 3,938 |
| Core capital (leverage) ratio | 8.5266% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4450% | 1,589 |
| Memoranda: | ||
| Average total assets | $301,559,667 | 2,476 |
| Average earning assets | $277,306,333 | 2,495 |
| Average equity | $21,789,667 | 2,917 |
| Average total loans | $150,292,667 | 2,641 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 3,205 |
| Cost of funding earning assets | 0.4618% | 610 |
| Net interest margin | 2.5544% | 3,778 |
| Noninterest income to average assets | 0.3274% | 3,141 |
| Noninterest expense to average assets | 2.2637% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3141% | 4,114 |
| Return on assets (ROA) | 0.3141% | 4,082 |
| Pretax return on assets | 0.4241% | 3,995 |
| Return on Equity (ROE) | 4.1969% | 3,829 |
| Retained earnings to average equity (ytd only) | -0.2302% | 4,046 |
| Net charge-offs to loans | 0.1462% | 395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.9259% | 1,584 |
| Efficiency ratio | 84.2209% | 829 |
| Assets per employee ($millions) | 7.1647% | 1,883 |
| Cash dividends to net income (ytd only)* | 105.4852% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,363 |
| Loan loss allowance to noncurrent loans | 190.2539% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 1,514 |
| Noncurrent loans to loans | 0.8230% | 1,144 |
| Net loans and leases to total assets | 47.4002% | 3,451 |
| Net loans and leases to deposits | 51.8169% | 3,579 |
| Net loans and leases to core deposits | 57.5357% | 3,344 |
| Total domestic deposits to total assets | 91.4763% | 812 |
| Equity capital to assets | 7.3250% | 4,035 |
| Core capital (leverage) ratio | 8.3948% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0594% | 1,499 |
| Memoranda: | ||
| Average total assets | $301,805,500 | 2,490 |
| Average earning assets | $278,894,500 | 2,504 |
| Average equity | $22,588,000 | 2,932 |
| Average total loans | $147,743,500 | 2,659 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 2,342 |
| Cost of funding earning assets | 0.5896% | 573 |
| Net interest margin | 3.0242% | 3,135 |
| Noninterest income to average assets | 0.4197% | 2,949 |
| Noninterest expense to average assets | 2.7447% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3895% | 4,292 |
| Return on assets (ROA) | 0.3895% | 4,322 |
| Pretax return on assets | 0.4741% | 4,289 |
| Return on Equity (ROE) | 4.6312% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.1373% | 3,574 |
| Net charge-offs to loans | 0.0399% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 19.5172% | 1,871 |
| Efficiency ratio | 85.2700% | 502 |
| Assets per employee ($millions) | 6.8727% | 2,017 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 1,221 |
| Loan loss allowance to noncurrent loans | 212.9928% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 1,717 |
| Noncurrent loans to loans | 0.7585% | 1,338 |
| Net loans and leases to total assets | 48.9818% | 3,408 |
| Net loans and leases to deposits | 53.7731% | 3,616 |
| Net loans and leases to core deposits | 61.0057% | 3,245 |
| Total domestic deposits to total assets | 91.0898% | 464 |
| Equity capital to assets | 7.6504% | 4,532 |
| Core capital (leverage) ratio | 8.5517% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2817% | 1,437 |
| Memoranda: | ||
| Average total assets | $238,747,800 | 2,804 |
| Average earning assets | $220,981,200 | 2,807 |
| Average equity | $20,081,000 | 3,212 |
| Average total loans | $145,390,400 | 2,671 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 1,904 |
| Cost of funding earning assets | 0.5516% | 825 |
| Net interest margin | 3.3023% | 2,406 |
| Noninterest income to average assets | 0.4186% | 2,990 |
| Noninterest expense to average assets | 2.8411% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4994% | 4,208 |
| Return on assets (ROA) | 0.4994% | 4,252 |
| Pretax return on assets | 0.6312% | 4,189 |
| Return on Equity (ROE) | 5.7654% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.7088% | 3,676 |
| Net charge-offs to loans | 0.0653% | 991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 14.9718% | 1,879 |
| Efficiency ratio | 81.8228% | 642 |
| Assets per employee ($millions) | 5.8601% | 2,825 |
| Cash dividends to net income (ytd only)* | 35.6718% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 1,361 |
| Loan loss allowance to noncurrent loans | 175.5011% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 1,371 |
| Noncurrent loans to loans | 0.9059% | 1,270 |
| Net loans and leases to total assets | 60.9028% | 2,145 |
| Net loans and leases to deposits | 68.4792% | 2,396 |
| Net loans and leases to core deposits | 79.0880% | 1,812 |
| Total domestic deposits to total assets | 88.9363% | 1,321 |
| Equity capital to assets | 9.4521% | 3,420 |
| Core capital (leverage) ratio | 9.7599% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6833% | 1,436 |
| Memoranda: | ||
| Average total assets | $224,552,750 | 2,911 |
| Average earning assets | $207,645,000 | 2,920 |
| Average equity | $19,449,000 | 3,300 |
| Average total loans | $144,955,000 | 2,714 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 1,402 |
| Cost of funding earning assets | 0.5267% | 1,053 |
| Net interest margin | 3.5438% | 1,737 |
| Noninterest income to average assets | 0.4423% | 2,890 |
| Noninterest expense to average assets | 2.8972% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6137% | 3,951 |
| Return on assets (ROA) | 0.6137% | 4,008 |
| Pretax return on assets | 0.7970% | 3,871 |
| Return on Equity (ROE) | 7.3304% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.0627% | 3,499 |
| Net charge-offs to loans | 0.0988% | 745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 12.3099% | 1,727 |
| Efficiency ratio | 78.4251% | 889 |
| Assets per employee ($millions) | 5.3468% | 3,294 |
| Cash dividends to net income (ytd only)* | 44.5765% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 1,137 |
| Loan loss allowance to noncurrent loans | 181.4275% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 1,440 |
| Noncurrent loans to loans | 0.9170% | 1,347 |
| Net loans and leases to total assets | 62.2194% | 2,154 |
| Net loans and leases to deposits | 69.0444% | 2,511 |
| Net loans and leases to core deposits | 81.8434% | 1,736 |
| Total domestic deposits to total assets | 90.1151% | 715 |
| Equity capital to assets | 8.2640% | 4,385 |
| Core capital (leverage) ratio | 8.1838% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2427% | 1,891 |
| Memoranda: | ||
| Average total assets | $219,316,000 | 2,948 |
| Average earning assets | $201,253,000 | 2,970 |
| Average equity | $18,362,000 | 3,397 |
| Average total loans | $143,709,667 | 2,747 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 1,234 |
| Cost of funding earning assets | 0.5252% | 1,238 |
| Net interest margin | 3.6545% | 1,437 |
| Noninterest income to average assets | 0.4172% | 3,002 |
| Noninterest expense to average assets | 2.7689% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7661% | 3,527 |
| Return on assets (ROA) | 0.7661% | 3,599 |
| Pretax return on assets | 1.0005% | 3,368 |
| Return on Equity (ROE) | 9.0889% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.5186% | 3,911 |
| Net charge-offs to loans | 0.1716% | 466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.7419% | 1,563 |
| Efficiency ratio | 73.4574% | 1,354 |
| Assets per employee ($millions) | 5.4554% | 3,157 |
| Cash dividends to net income (ytd only)* | 72.2892% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 1,181 |
| Loan loss allowance to noncurrent loans | 197.4210% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 1,765 |
| Noncurrent loans to loans | 0.8338% | 1,602 |
| Net loans and leases to total assets | 63.3910% | 2,115 |
| Net loans and leases to deposits | 70.2314% | 2,481 |
| Net loans and leases to core deposits | 83.2852% | 1,735 |
| Total domestic deposits to total assets | 90.2603% | 692 |
| Equity capital to assets | 8.1400% | 4,405 |
| Core capital (leverage) ratio | 8.5835% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2484% | 2,185 |
| Memoranda: | ||
| Average total assets | $216,691,500 | 2,954 |
| Average earning assets | $198,766,000 | 2,983 |
| Average equity | $18,264,000 | 3,399 |
| Average total loans | $144,521,000 | 2,744 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 1,530 |
| Cost of funding earning assets | 0.7857% | 1,273 |
| Net interest margin | 3.6329% | 2,035 |
| Noninterest income to average assets | 0.4096% | 3,048 |
| Noninterest expense to average assets | 2.7716% | 2,017 |
| Loan and lease loss provision to assets | 0.2293% | 1,699 |
| Net operating income to assets | 0.6667% | 3,534 |
| Return on assets (ROA) | 0.6702% | 3,650 |
| Pretax return on assets | 0.7732% | 3,695 |
| Return on Equity (ROE) | 7.5240% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.3489% | 2,624 |
| Net charge-offs to loans | 0.0113% | 2,920 |
| Credit loss provision to net charge-offs | 2,837.5000% | 344 |
| Earnings coverage of net charge-offs (x) | 123.5625% | 690 |
| Efficiency ratio | 73.5164% | 1,504 |
| Assets per employee ($millions) | 5.3772% | 2,979 |
| Cash dividends to net income (ytd only)* | 42.2005% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 1,081 |
| Loan loss allowance to noncurrent loans | 226.5116% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 1,918 |
| Noncurrent loans to loans | 0.7420% | 1,849 |
| Net loans and leases to total assets | 67.9249% | 1,836 |
| Net loans and leases to deposits | 76.1568% | 2,265 |
| Net loans and leases to core deposits | 84.8085% | 1,962 |
| Total domestic deposits to total assets | 89.1908% | 904 |
| Equity capital to assets | 8.7363% | 4,265 |
| Core capital (leverage) ratio | 9.0440% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0477% | 2,217 |
| Memoranda: | ||
| Average total assets | $198,007,400 | 2,957 |
| Average earning assets | $183,157,200 | 2,969 |
| Average equity | $17,636,800 | 3,406 |
| Average total loans | $141,915,200 | 2,728 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 1,393 |
| Cost of funding earning assets | 0.8276% | 1,371 |
| Net interest margin | 3.7443% | 1,782 |
| Noninterest income to average assets | 0.4231% | 2,969 |
| Noninterest expense to average assets | 2.7386% | 2,147 |
| Loan and lease loss provision to assets | 0.2968% | 1,362 |
| Net operating income to assets | 0.6497% | 3,629 |
| Return on assets (ROA) | 0.6541% | 3,717 |
| Pretax return on assets | 0.8659% | 3,473 |
| Return on Equity (ROE) | 7.3055% | 3,095 |
| Retained earnings to average equity (ytd only) | 3.0306% | 3,510 |
| Net charge-offs to loans | 0.0227% | 2,396 |
| Credit loss provision to net charge-offs | 1,808.3333% | 527 |
| Earnings coverage of net charge-offs (x) | 70.5417% | 986 |
| Efficiency ratio | 70.2982% | 1,845 |
| Assets per employee ($millions) | 4.3300% | 4,016 |
| Cash dividends to net income (ytd only)* | 58.5162% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,019 |
| Loan loss allowance to noncurrent loans | 184.7276% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 1,859 |
| Noncurrent loans to loans | 0.8822% | 1,695 |
| Net loans and leases to total assets | 69.9064% | 1,961 |
| Net loans and leases to deposits | 84.0620% | 1,911 |
| Net loans and leases to core deposits | 94.4700% | 1,596 |
| Total domestic deposits to total assets | 83.1604% | 3,100 |
| Equity capital to assets | 8.6288% | 4,385 |
| Core capital (leverage) ratio | 9.2652% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9918% | 2,206 |
| Memoranda: | ||
| Average total assets | $195,081,500 | 2,964 |
| Average earning assets | $180,928,000 | 2,971 |
| Average equity | $17,465,750 | 3,422 |
| Average total loans | $141,173,750 | 2,743 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 1,111 |
| Cost of funding earning assets | 0.8975% | 1,387 |
| Net interest margin | 3.9261% | 1,511 |
| Noninterest income to average assets | 0.4266% | 2,927 |
| Noninterest expense to average assets | 2.7962% | 2,104 |
| Loan and lease loss provision to assets | 0.3553% | 1,185 |
| Net operating income to assets | 0.6840% | 3,448 |
| Return on assets (ROA) | 0.6907% | 3,522 |
| Pretax return on assets | 0.9055% | 3,298 |
| Return on Equity (ROE) | 7.6142% | 2,892 |
| Retained earnings to average equity (ytd only) | 1.1439% | 4,059 |
| Net charge-offs to loans | 0.0360% | 2,015 |
| Credit loss provision to net charge-offs | 1,356.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 47.8000% | 1,138 |
| Efficiency ratio | 69.0655% | 2,081 |
| Assets per employee ($millions) | 5.6551% | 2,485 |
| Cash dividends to net income (ytd only)* | 84.9772% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 1,073 |
| Loan loss allowance to noncurrent loans | 190.6766% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 1,972 |
| Noncurrent loans to loans | 0.8249% | 1,847 |
| Net loans and leases to total assets | 73.0675% | 1,544 |
| Net loans and leases to deposits | 88.6441% | 1,488 |
| Net loans and leases to core deposits | 99.9876% | 1,255 |
| Total domestic deposits to total assets | 82.4280% | 3,262 |
| Equity capital to assets | 8.9113% | 4,164 |
| Core capital (leverage) ratio | 9.3543% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4676% | 2,413 |
| Memoranda: | ||
| Average total assets | $190,829,333 | 2,979 |
| Average earning assets | $176,054,333 | 3,000 |
| Average equity | $17,309,667 | 3,436 |
| Average total loans | $138,998,667 | 2,758 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 1,456 |
| Cost of funding earning assets | 1.0115% | 1,372 |
| Net interest margin | 3.7762% | 2,063 |
| Noninterest income to average assets | 0.3994% | 3,112 |
| Noninterest expense to average assets | 2.8599% | 2,239 |
| Loan and lease loss provision to assets | 0.2435% | 1,276 |
| Net operating income to assets | 0.5809% | 3,658 |
| Return on assets (ROA) | 0.5809% | 3,718 |
| Pretax return on assets | 0.7326% | 3,587 |
| Return on Equity (ROE) | 6.3457% | 3,193 |
| Retained earnings to average equity (ytd only) | -6.7190% | 4,630 |
| Net charge-offs to loans | 0.0829% | 1,205 |
| Credit loss provision to net charge-offs | 407.1429% | 989 |
| Earnings coverage of net charge-offs (x) | 16.3214% | 1,532 |
| Efficiency ratio | 74.5546% | 1,745 |
| Assets per employee ($millions) | 4.8751% | 2,783 |
| Cash dividends to net income (ytd only)* | 205.8824% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,212 |
| Loan loss allowance to noncurrent loans | 216.7534% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 2,396 |
| Noncurrent loans to loans | 0.7118% | 2,221 |
| Net loans and leases to total assets | 73.6878% | 1,664 |
| Net loans and leases to deposits | 83.7374% | 2,264 |
| Net loans and leases to core deposits | 95.0134% | 1,879 |
| Total domestic deposits to total assets | 87.9987% | 1,108 |
| Equity capital to assets | 9.5099% | 4,210 |
| Core capital (leverage) ratio | 9.1832% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2600% | 2,171 |
| Memoranda: | ||
| Average total assets | $187,280,000 | 2,982 |
| Average earning assets | $170,436,000 | 3,021 |
| Average equity | $17,145,500 | 3,456 |
| Average total loans | $135,032,000 | 2,774 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 1,703 |
| Cost of funding earning assets | 1.2155% | 992 |
| Net interest margin | 3.7023% | 2,809 |
| Noninterest income to average assets | 0.5443% | 2,518 |
| Noninterest expense to average assets | 2.8188% | 2,542 |
| Loan and lease loss provision to assets | 0.0360% | 3,291 |
| Net operating income to assets | 0.8640% | 3,345 |
| Return on assets (ROA) | 0.9099% | 3,251 |
| Pretax return on assets | 1.1677% | 2,956 |
| Return on Equity (ROE) | 10.0750% | 2,265 |
| Retained earnings to average equity (ytd only) | 7.0127% | 1,384 |
| Net charge-offs to loans | 0.0466% | 2,456 |
| Credit loss provision to net charge-offs | 108.3333% | 2,300 |
| Earnings coverage of net charge-offs (x) | 34.5167% | 1,442 |
| Efficiency ratio | 71.1037% | 2,008 |
| Assets per employee ($millions) | 4.9790% | 2,632 |
| Cash dividends to net income (ytd only)* | 30.3951% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,286 |
| Loan loss allowance to noncurrent loans | 197.9187% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 2,341 |
| Noncurrent loans to loans | 0.7471% | 2,019 |
| Net loans and leases to total assets | 68.5271% | 2,607 |
| Net loans and leases to deposits | 76.7247% | 3,114 |
| Net loans and leases to core deposits | 84.7857% | 2,887 |
| Total domestic deposits to total assets | 89.3156% | 552 |
| Equity capital to assets | 8.8253% | 4,777 |
| Core capital (leverage) ratio | 9.5562% | 4,006 |
| Tier 1 risk-based capital ratio | 12.3521% | 4,160 |
| Total risk-based capital ratio | 13.6045% | 4,022 |
| Memoranda: | ||
| Average total assets | $180,783,000 | 3,017 |
| Average earning assets | $167,004,200 | 3,022 |
| Average equity | $16,327,600 | 3,518 |
| Average total loans | $128,824,200 | 2,835 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 1,535 |
| Cost of funding earning assets | 1.1779% | 1,088 |
| Net interest margin | 3.8226% | 2,521 |
| Noninterest income to average assets | 0.4253% | 3,175 |
| Noninterest expense to average assets | 2.7585% | 2,686 |
| Loan and lease loss provision to assets | 0.0225% | 3,462 |
| Net operating income to assets | 0.8827% | 3,408 |
| Return on assets (ROA) | 0.8844% | 3,481 |
| Pretax return on assets | 1.1850% | 3,028 |
| Return on Equity (ROE) | 9.7319% | 2,546 |
| Retained earnings to average equity (ytd only) | 5.5977% | 2,575 |
| Net charge-offs to loans | 0.0094% | 3,033 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 178.2175% | 477 |
| Efficiency ratio | 69.5924% | 2,177 |
| Assets per employee ($millions) | 5.0524% | 2,494 |
| Cash dividends to net income (ytd only)* | 42.4810% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 1,350 |
| Loan loss allowance to noncurrent loans | 194.4928% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 2,083 |
| Noncurrent loans to loans | 0.7529% | 2,080 |
| Net loans and leases to total assets | 78.8503% | 1,012 |
| Net loans and leases to deposits | 90.1485% | 1,680 |
| Net loans and leases to core deposits | 101.0783% | 1,576 |
| Total domestic deposits to total assets | 87.4671% | 1,276 |
| Equity capital to assets | 9.8009% | 4,214 |
| Core capital (leverage) ratio | 9.8005% | 3,855 |
| Tier 1 risk-based capital ratio | 13.0743% | 3,809 |
| Total risk-based capital ratio | 14.3281% | 3,715 |
| Memoranda: | ||
| Average total assets | $177,433,750 | 3,073 |
| Average earning assets | $164,246,000 | 3,079 |
| Average equity | $16,125,250 | 3,561 |
| Average total loans | $127,264,500 | 2,887 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 1,688 |
| Cost of funding earning assets | 1.1704% | 1,072 |
| Net interest margin | 3.7514% | 2,749 |
| Noninterest income to average assets | 0.4138% | 3,177 |
| Noninterest expense to average assets | 2.7047% | 2,888 |
| Loan and lease loss provision to assets | 0.0335% | 3,157 |
| Net operating income to assets | 0.8573% | 3,444 |
| Return on assets (ROA) | 0.8599% | 3,498 |
| Pretax return on assets | 1.1466% | 3,090 |
| Return on Equity (ROE) | 9.7052% | 2,531 |
| Retained earnings to average equity (ytd only) | 3.4113% | 3,536 |
| Net charge-offs to loans | -0.0097% | 4,314 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6839% | 2,275 |
| Assets per employee ($millions) | 5.1107% | 2,348 |
| Cash dividends to net income (ytd only)* | 64.8508% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 1,077 |
| Loan loss allowance to noncurrent loans | 247.3171% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,601 |
| Noncurrent loans to loans | 0.6384% | 2,343 |
| Net loans and leases to total assets | 74.9526% | 1,732 |
| Net loans and leases to deposits | 85.6209% | 2,300 |
| Net loans and leases to core deposits | 97.4288% | 1,937 |
| Total domestic deposits to total assets | 87.5400% | 1,321 |
| Equity capital to assets | 9.6868% | 4,242 |
| Core capital (leverage) ratio | 9.3448% | 4,311 |
| Tier 1 risk-based capital ratio | 13.1039% | 3,785 |
| Total risk-based capital ratio | 14.3588% | 3,687 |
| Memoranda: | ||
| Average total assets | $179,318,330 | 3,062 |
| Average earning assets | $165,749,670 | 3,076 |
| Average equity | $15,888,330 | 3,595 |
| Average total loans | $123,865,330 | 2,941 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 2,070 |
| Cost of funding earning assets | 1.1248% | 1,108 |
| Net interest margin | 3.6181% | 3,193 |
| Noninterest income to average assets | 0.3791% | 3,328 |
| Noninterest expense to average assets | 2.5627% | 3,324 |
| Loan and lease loss provision to assets | 0.0347% | 2,933 |
| Net operating income to assets | 0.8513% | 3,447 |
| Return on assets (ROA) | 0.8513% | 3,490 |
| Pretax return on assets | 1.1264% | 3,062 |
| Return on Equity (ROE) | 10.0358% | 2,356 |
| Retained earnings to average equity (ytd only) | -2.7324% | 4,798 |
| Net charge-offs to loans | -0.0099% | 4,222 |
| Credit loss provision to net charge-offs | -533.3333% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8191% | 2,525 |
| Assets per employee ($millions) | 5.4521% | 2,028 |
| Cash dividends to net income (ytd only)* | 127.2265% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 987 |
| Loan loss allowance to noncurrent loans | 225.4484% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,631 |
| Noncurrent loans to loans | 0.7281% | 2,199 |
| Net loans and leases to total assets | 66.9768% | 2,902 |
| Net loans and leases to deposits | 75.4806% | 3,305 |
| Net loans and leases to core deposits | 85.4081% | 2,919 |
| Total domestic deposits to total assets | 88.7338% | 983 |
| Equity capital to assets | 8.7467% | 4,855 |
| Core capital (leverage) ratio | 8.7008% | 4,869 |
| Tier 1 risk-based capital ratio | 12.9011% | 3,924 |
| Total risk-based capital ratio | 14.1555% | 3,821 |
| Memoranda: | ||
| Average total assets | $184,651,500 | 3,037 |
| Average earning assets | $170,695,500 | 3,047 |
| Average equity | $15,664,000 | 3,623 |
| Average total loans | $121,579,500 | 3,002 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 1,305 |
| Cost of funding earning assets | 0.8824% | 1,164 |
| Net interest margin | 4.0122% | 1,946 |
| Noninterest income to average assets | 0.3884% | 3,510 |
| Noninterest expense to average assets | 2.7808% | 2,751 |
| Loan and lease loss provision to assets | 0.0708% | 2,720 |
| Net operating income to assets | 0.8704% | 3,534 |
| Return on assets (ROA) | 0.8429% | 3,630 |
| Pretax return on assets | 1.0117% | 3,560 |
| Return on Equity (ROE) | 9.5363% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.5363% | 729 |
| Net charge-offs to loans | 0.2587% | 750 |
| Credit loss provision to net charge-offs | 38.7097% | 3,294 |
| Earnings coverage of net charge-offs (x) | 6.0968% | 3,125 |
| Efficiency ratio | 71.3680% | 1,988 |
| Assets per employee ($millions) | 5.5720% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 924 |
| Loan loss allowance to noncurrent loans | 239.1357% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 2,807 |
| Noncurrent loans to loans | 0.6905% | 2,263 |
| Net loans and leases to total assets | 62.6300% | 3,502 |
| Net loans and leases to deposits | 70.0388% | 3,825 |
| Net loans and leases to core deposits | 78.2484% | 3,558 |
| Total domestic deposits to total assets | 89.4220% | 695 |
| Equity capital to assets | 8.2640% | 5,058 |
| Core capital (leverage) ratio | 9.1384% | 4,527 |
| Tier 1 risk-based capital ratio | 12.4942% | 4,142 |
| Total risk-based capital ratio | 13.7478% | 4,006 |
| Memoranda: | ||
| Average total assets | $169,411,400 | 3,179 |
| Average earning assets | $148,125,000 | 3,270 |
| Average equity | $14,974,400 | 3,646 |
| Average total loans | $119,832,000 | 2,995 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,139 |
| Cost of funding earning assets | 0.7941% | 1,370 |
| Net interest margin | 4.1138% | 1,590 |
| Noninterest income to average assets | 0.3950% | 3,511 |
| Noninterest expense to average assets | 2.7712% | 2,740 |
| Loan and lease loss provision to assets | 0.0568% | 2,840 |
| Net operating income to assets | 0.9702% | 3,218 |
| Return on assets (ROA) | 0.9343% | 3,380 |
| Pretax return on assets | 1.1808% | 3,063 |
| Return on Equity (ROE) | 10.3753% | 2,445 |
| Retained earnings to average equity (ytd only) | 10.3753% | 802 |
| Net charge-offs to loans | 0.2463% | 692 |
| Credit loss provision to net charge-offs | 31.6742% | 2,959 |
| Earnings coverage of net charge-offs (x) | 7.1584% | 2,826 |
| Efficiency ratio | 68.3537% | 2,473 |
| Assets per employee ($millions) | 4.6584% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6852% | 900 |
| Loan loss allowance to noncurrent loans | 133.7064% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 1,521 |
| Noncurrent loans to loans | 1.2604% | 1,338 |
| Net loans and leases to total assets | 74.8114% | 1,854 |
| Net loans and leases to deposits | 85.5925% | 2,408 |
| Net loans and leases to core deposits | 97.7092% | 1,962 |
| Total domestic deposits to total assets | 87.4041% | 1,544 |
| Equity capital to assets | 9.6026% | 3,993 |
| Core capital (leverage) ratio | 10.1244% | 3,496 |
| Tier 1 risk-based capital ratio | 13.2920% | 3,729 |
| Total risk-based capital ratio | 14.5475% | 3,653 |
| Memoranda: | ||
| Average total assets | $164,402,000 | 3,255 |
| Average earning assets | $146,237,500 | 3,330 |
| Average equity | $14,804,000 | 3,687 |
| Average total loans | $119,629,000 | 3,025 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 1,006 |
| Cost of funding earning assets | 0.6887% | 1,690 |
| Net interest margin | 4.2179% | 1,242 |
| Noninterest income to average assets | 0.3870% | 3,572 |
| Noninterest expense to average assets | 2.6585% | 3,136 |
| Loan and lease loss provision to assets | 0.0841% | 2,230 |
| Net operating income to assets | 1.0339% | 2,878 |
| Return on assets (ROA) | 0.9807% | 3,109 |
| Pretax return on assets | 1.3016% | 2,505 |
| Return on Equity (ROE) | 11.1255% | 2,055 |
| Retained earnings to average equity (ytd only) | 11.1255% | 642 |
| Net charge-offs to loans | 0.2665% | 601 |
| Credit loss provision to net charge-offs | 44.0252% | 2,534 |
| Earnings coverage of net charge-offs (x) | 7.6038% | 2,534 |
| Efficiency ratio | 64.6595% | 3,222 |
| Assets per employee ($millions) | 4.7995% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 919 |
| Loan loss allowance to noncurrent loans | 185.5496% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 1,958 |
| Noncurrent loans to loans | 0.9106% | 1,897 |
| Net loans and leases to total assets | 79.2929% | 1,117 |
| Net loans and leases to deposits | 90.6676% | 1,754 |
| Net loans and leases to core deposits | 102.3103% | 1,540 |
| Total domestic deposits to total assets | 87.4545% | 1,664 |
| Equity capital to assets | 9.7457% | 3,876 |
| Core capital (leverage) ratio | 9.5885% | 4,011 |
| Tier 1 risk-based capital ratio | 13.0264% | 3,879 |
| Total risk-based capital ratio | 14.2829% | 3,792 |
| Memoranda: | ||
| Average total assets | $166,407,670 | 3,247 |
| Average earning assets | $146,945,330 | 3,333 |
| Average equity | $14,669,000 | 3,721 |
| Average total loans | $119,331,670 | 3,044 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 1,265 |
| Cost of funding earning assets | 0.6155% | 1,942 |
| Net interest margin | 4.1035% | 1,431 |
| Noninterest income to average assets | 0.3611% | 3,731 |
| Noninterest expense to average assets | 2.4882% | 3,684 |
| Loan and lease loss provision to assets | 0.1157% | 1,636 |
| Net operating income to assets | 1.0022% | 2,852 |
| Return on assets (ROA) | 1.0022% | 2,870 |
| Pretax return on assets | 1.3216% | 2,281 |
| Return on Equity (ROE) | 11.9288% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.9288% | 692 |
| Net charge-offs to loans | 0.0752% | 1,372 |
| Credit loss provision to net charge-offs | 227.2727% | 960 |
| Earnings coverage of net charge-offs (x) | 28.2273% | 1,274 |
| Efficiency ratio | 63.3844% | 3,582 |
| Assets per employee ($millions) | 5.1514% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 726 |
| Loan loss allowance to noncurrent loans | 177.0833% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 2,058 |
| Noncurrent loans to loans | 1.0360% | 1,765 |
| Net loans and leases to total assets | 71.7330% | 2,219 |
| Net loans and leases to deposits | 81.0080% | 2,697 |
| Net loans and leases to core deposits | 88.0078% | 2,632 |
| Total domestic deposits to total assets | 88.5505% | 1,331 |
| Equity capital to assets | 8.8786% | 4,684 |
| Core capital (leverage) ratio | 8.6159% | 5,049 |
| Tier 1 risk-based capital ratio | 11.6882% | 4,748 |
| Total risk-based capital ratio | 12.9453% | 4,633 |
| Memoranda: | ||
| Average total assets | $172,819,000 | 3,213 |
| Average earning assets | $150,116,000 | 3,328 |
| Average equity | $14,519,500 | 3,774 |
| Average total loans | $117,060,000 | 3,103 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,171 |
| Cost of funding earning assets | 0.5038% | 2,296 |
| Net interest margin | 3.8497% | 2,255 |
| Noninterest income to average assets | 0.8337% | 1,452 |
| Noninterest expense to average assets | 2.5762% | 3,521 |
| Loan and lease loss provision to assets | 1.2732% | 71 |
| Net operating income to assets | 0.0973% | 5,263 |
| Return on assets (ROA) | 0.0984% | 5,266 |
| Pretax return on assets | 0.4359% | 5,034 |
| Return on Equity (ROE) | 1.1117% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.1117% | 4,583 |
| Net charge-offs to loans | 1.4486% | 108 |
| Credit loss provision to net charge-offs | 137.7419% | 1,920 |
| Earnings coverage of net charge-offs (x) | 1.8471% | 3,844 |
| Efficiency ratio | 60.1420% | 4,241 |
| Assets per employee ($millions) | 5.6498% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 624 |
| Loan loss allowance to noncurrent loans | 160.4412% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 2,080 |
| Noncurrent loans to loans | 1.1965% | 1,488 |
| Net loans and leases to total assets | 61.6615% | 3,662 |
| Net loans and leases to deposits | 68.7467% | 3,970 |
| Net loans and leases to core deposits | 73.9251% | 3,884 |
| Total domestic deposits to total assets | 89.6937% | 688 |
| Equity capital to assets | 7.9666% | 5,406 |
| Core capital (leverage) ratio | 8.6894% | 4,961 |
| Tier 1 risk-based capital ratio | 11.4049% | 4,911 |
| Total risk-based capital ratio | 12.6608% | 4,790 |
| Memoranda: | ||
| Average total assets | $167,686,000 | 3,269 |
| Average earning assets | $150,272,200 | 3,321 |
| Average equity | $14,842,000 | 3,738 |
| Average total loans | $106,997,000 | 3,226 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,437 |
| Cost of funding earning assets | 0.4985% | 2,280 |
| Net interest margin | 3.7507% | 2,578 |
| Noninterest income to average assets | 1.0178% | 994 |
| Noninterest expense to average assets | 2.4807% | 3,797 |
| Loan and lease loss provision to assets | 0.4339% | 303 |
| Net operating income to assets | 1.0129% | 2,506 |
| Return on assets (ROA) | 1.0129% | 2,544 |
| Pretax return on assets | 1.5076% | 1,749 |
| Return on Equity (ROE) | 11.1378% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.1378% | 395 |
| Net charge-offs to loans | 0.3759% | 560 |
| Credit loss provision to net charge-offs | 180.1347% | 1,472 |
| Earnings coverage of net charge-offs (x) | 8.0606% | 2,819 |
| Efficiency ratio | 56.0976% | 4,725 |
| Assets per employee ($millions) | 5.0002% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,011 |
| Loan loss allowance to noncurrent loans | 82.5833% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 1,075 |
| Noncurrent loans to loans | 2.0708% | 811 |
| Net loans and leases to total assets | 68.0419% | 2,838 |
| Net loans and leases to deposits | 78.1350% | 3,149 |
| Net loans and leases to core deposits | 85.7235% | 2,991 |
| Total domestic deposits to total assets | 87.0824% | 1,840 |
| Equity capital to assets | 10.0951% | 3,808 |
| Core capital (leverage) ratio | 9.9536% | 3,625 |
| Tier 1 risk-based capital ratio | 13.7413% | 3,555 |
| Total risk-based capital ratio | 14.9960% | 3,491 |
| Memoranda: | ||
| Average total assets | $164,409,500 | 3,330 |
| Average earning assets | $149,230,250 | 3,362 |
| Average equity | $14,951,750 | 3,757 |
| Average total loans | $105,331,000 | 3,282 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,816 |
| Cost of funding earning assets | 0.4880% | 2,268 |
| Net interest margin | 3.6164% | 2,973 |
| Noninterest income to average assets | 0.7532% | 1,760 |
| Noninterest expense to average assets | 2.2597% | 4,441 |
| Loan and lease loss provision to assets | 0.3939% | 344 |
| Net operating income to assets | 0.9932% | 2,454 |
| Return on assets (ROA) | 0.9932% | 2,508 |
| Pretax return on assets | 1.3728% | 2,131 |
| Return on Equity (ROE) | 11.3046% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.3046% | 399 |
| Net charge-offs to loans | 0.5541% | 351 |
| Credit loss provision to net charge-offs | 113.7931% | 1,845 |
| Earnings coverage of net charge-offs (x) | 5.1034% | 2,859 |
| Efficiency ratio | 56.1221% | 4,819 |
| Assets per employee ($millions) | 4.9126% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,439 |
| Loan loss allowance to noncurrent loans | 71.9560% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 1,075 |
| Noncurrent loans to loans | 2.1382% | 766 |
| Net loans and leases to total assets | 66.6402% | 3,014 |
| Net loans and leases to deposits | 76.1754% | 3,320 |
| Net loans and leases to core deposits | 84.6143% | 3,002 |
| Total domestic deposits to total assets | 87.4825% | 1,733 |
| Equity capital to assets | 9.7122% | 4,213 |
| Core capital (leverage) ratio | 9.7325% | 3,859 |
| Tier 1 risk-based capital ratio | 13.3004% | 3,800 |
| Total risk-based capital ratio | 14.5526% | 3,720 |
| Memoranda: | ||
| Average total assets | $167,544,000 | 3,313 |
| Average earning assets | $151,643,330 | 3,349 |
| Average equity | $14,719,670 | 3,792 |
| Average total loans | $104,673,330 | 3,303 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,258 |
| Cost of funding earning assets | 0.4766% | 2,287 |
| Net interest margin | 3.4595% | 3,422 |
| Noninterest income to average assets | 0.3219% | 4,247 |
| Noninterest expense to average assets | 2.1330% | 4,787 |
| Loan and lease loss provision to assets | 0.1158% | 1,657 |
| Net operating income to assets | 0.8731% | 2,893 |
| Return on assets (ROA) | 0.8731% | 2,945 |
| Pretax return on assets | 1.1997% | 2,595 |
| Return on Equity (ROE) | 10.4392% | 1,761 |
| Retained earnings to average equity (ytd only) | 10.4392% | 716 |
| Net charge-offs to loans | -0.0154% | 4,605 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8536% | 4,173 |
| Assets per employee ($millions) | 5.3009% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,417 |
| Loan loss allowance to noncurrent loans | 59.1121% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 829 |
| Noncurrent loans to loans | 2.6821% | 563 |
| Net loans and leases to total assets | 64.4454% | 3,209 |
| Net loans and leases to deposits | 73.2554% | 3,475 |
| Net loans and leases to core deposits | 80.7038% | 3,232 |
| Total domestic deposits to total assets | 87.9737% | 1,732 |
| Equity capital to assets | 9.2211% | 4,597 |
| Core capital (leverage) ratio | 9.1625% | 4,532 |
| Tier 1 risk-based capital ratio | 12.8086% | 4,196 |
| Total risk-based capital ratio | 14.0612% | 4,091 |
| Memoranda: | ||
| Average total assets | $172,714,000 | 3,283 |
| Average earning assets | $156,093,000 | 3,323 |
| Average equity | $14,445,500 | 3,857 |
| Average total loans | $103,811,000 | 3,346 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,348 |
| Cost of funding earning assets | 0.5991% | 1,337 |
| Net interest margin | 3.6418% | 2,923 |
| Noninterest income to average assets | 1.1263% | 903 |
| Noninterest expense to average assets | 2.7166% | 3,294 |
| Loan and lease loss provision to assets | 0.4152% | 365 |
| Net operating income to assets | 1.1584% | 1,658 |
| Return on assets (ROA) | 1.1571% | 1,757 |
| Pretax return on assets | 1.3459% | 2,112 |
| Return on Equity (ROE) | 11.1276% | 1,536 |
| Retained earnings to average equity (ytd only) | -23.1056% | 5,867 |
| Net charge-offs to loans | 0.3118% | 883 |
| Credit loss provision to net charge-offs | 209.0566% | 1,360 |
| Earnings coverage of net charge-offs (x) | 8.8755% | 2,827 |
| Efficiency ratio | 60.6492% | 4,483 |
| Assets per employee ($millions) | 6.2134% | 1,324 |
| Cash dividends to net income (ytd only)* | 307.6425% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 1,522 |
| Loan loss allowance to noncurrent loans | 141.8295% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 2,859 |
| Noncurrent loans to loans | 1.0881% | 1,916 |
| Net loans and leases to total assets | 54.6609% | 4,374 |
| Net loans and leases to deposits | 60.8511% | 4,619 |
| Net loans and leases to core deposits | 66.2146% | 4,515 |
| Total domestic deposits to total assets | 89.8274% | 711 |
| Equity capital to assets | 7.6324% | 5,685 |
| Core capital (leverage) ratio | 8.8795% | 4,879 |
| Tier 1 risk-based capital ratio | 11.0280% | 5,332 |
| Total risk-based capital ratio | 12.2782% | 5,220 |
| Memoranda: | ||
| Average total assets | $133,440,800 | 3,776 |
| Average earning assets | $122,852,600 | 3,778 |
| Average equity | $13,875,400 | 3,957 |
| Average total loans | $84,985,000 | 3,686 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 2,039 |
| Cost of funding earning assets | 0.5036% | 2,073 |
| Net interest margin | 3.8360% | 2,205 |
| Noninterest income to average assets | 0.3439% | 4,328 |
| Noninterest expense to average assets | 2.4536% | 4,121 |
| Loan and lease loss provision to assets | 0.0943% | 2,341 |
| Net operating income to assets | 0.9916% | 2,474 |
| Return on assets (ROA) | 1.0172% | 2,484 |
| Pretax return on assets | 1.4143% | 1,989 |
| Return on Equity (ROE) | 8.8677% | 2,571 |
| Retained earnings to average equity (ytd only) | 7.4172% | 1,434 |
| Net charge-offs to loans | 0.2671% | 869 |
| Credit loss provision to net charge-offs | 52.7950% | 2,995 |
| Earnings coverage of net charge-offs (x) | 8.2485% | 2,789 |
| Efficiency ratio | 62.4859% | 4,142 |
| Assets per employee ($millions) | 5.2037% | 2,140 |
| Cash dividends to net income (ytd only)* | 16.3580% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 2,048 |
| Loan loss allowance to noncurrent loans | 158.1515% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 2,870 |
| Noncurrent loans to loans | 0.9061% | 2,432 |
| Net loans and leases to total assets | 74.0177% | 1,866 |
| Net loans and leases to deposits | 89.2701% | 1,846 |
| Net loans and leases to core deposits | 100.3113% | 1,607 |
| Total domestic deposits to total assets | 82.9143% | 3,630 |
| Equity capital to assets | 12.4343% | 1,816 |
| Core capital (leverage) ratio | 12.0803% | 1,618 |
| Tier 1 risk-based capital ratio | 16.1811% | 2,552 |
| Total risk-based capital ratio | 17.4327% | 2,502 |
| Memoranda: | ||
| Average total assets | $120,200,500 | 4,017 |
| Average earning assets | $112,265,750 | 3,990 |
| Average equity | $13,787,500 | 4,003 |
| Average total loans | $80,359,750 | 3,812 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,376 |
| Cost of funding earning assets | 0.4874% | 2,214 |
| Net interest margin | 3.7492% | 2,518 |
| Noninterest income to average assets | 0.3292% | 4,425 |
| Noninterest expense to average assets | 2.3553% | 4,463 |
| Loan and lease loss provision to assets | 0.0655% | 2,832 |
| Net operating income to assets | 1.0122% | 2,335 |
| Return on assets (ROA) | 1.0483% | 2,315 |
| Pretax return on assets | 1.4741% | 1,756 |
| Return on Equity (ROE) | 9.3853% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.3853% | 749 |
| Net charge-offs to loans | 0.2701% | 882 |
| Credit loss provision to net charge-offs | 37.7358% | 2,794 |
| Earnings coverage of net charge-offs (x) | 8.5755% | 2,506 |
| Efficiency ratio | 61.2697% | 4,470 |
| Assets per employee ($millions) | 5.6603% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,716 |
| Loan loss allowance to noncurrent loans | 168.0650% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 2,922 |
| Noncurrent loans to loans | 0.9165% | 2,442 |
| Net loans and leases to total assets | 70.1261% | 2,459 |
| Net loans and leases to deposits | 84.5820% | 2,398 |
| Net loans and leases to core deposits | 95.1552% | 2,053 |
| Total domestic deposits to total assets | 82.9090% | 3,687 |
| Equity capital to assets | 12.4278% | 1,821 |
| Core capital (leverage) ratio | 11.8841% | 1,710 |
| Tier 1 risk-based capital ratio | 16.7518% | 2,333 |
| Total risk-based capital ratio | 18.0046% | 2,280 |
| Memoranda: | ||
| Average total assets | $122,106,670 | 4,008 |
| Average earning assets | $114,478,000 | 3,970 |
| Average equity | $13,638,330 | 4,050 |
| Average total loans | $78,490,000 | 3,884 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,215 |
| Cost of funding earning assets | 0.4674% | 2,402 |
| Net interest margin | 3.5352% | 3,337 |
| Noninterest income to average assets | 0.3477% | 4,245 |
| Noninterest expense to average assets | 2.2188% | 4,863 |
| Loan and lease loss provision to assets | 0.1264% | 1,678 |
| Net operating income to assets | 0.9640% | 2,443 |
| Return on assets (ROA) | 0.9640% | 2,557 |
| Pretax return on assets | 1.3496% | 2,092 |
| Return on Equity (ROE) | 9.0889% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.0889% | 1,092 |
| Net charge-offs to loans | 0.0258% | 2,422 |
| Credit loss provision to net charge-offs | 800.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 562 |
| Efficiency ratio | 60.0513% | 4,738 |
| Assets per employee ($millions) | 6.6531% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 1,321 |
| Loan loss allowance to noncurrent loans | 141.3684% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 2,466 |
| Noncurrent loans to loans | 1.2140% | 1,995 |
| Net loans and leases to total assets | 64.2236% | 3,212 |
| Net loans and leases to deposits | 76.3135% | 3,182 |
| Net loans and leases to core deposits | 80.6559% | 3,270 |
| Total domestic deposits to total assets | 84.1577% | 3,457 |
| Equity capital to assets | 11.3958% | 2,538 |
| Core capital (leverage) ratio | 11.1251% | 2,287 |
| Tier 1 risk-based capital ratio | 16.3640% | 2,534 |
| Total risk-based capital ratio | 17.6188% | 2,488 |
| Memoranda: | ||
| Average total assets | $126,557,000 | 3,968 |
| Average earning assets | $119,823,500 | 3,912 |
| Average equity | $13,423,000 | 4,101 |
| Average total loans | $77,420,500 | 3,933 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 2,671 |
| Cost of funding earning assets | 0.5383% | 1,854 |
| Net interest margin | 3.6306% | 3,014 |
| Noninterest income to average assets | 0.2461% | 5,124 |
| Noninterest expense to average assets | 2.2557% | 4,906 |
| Loan and lease loss provision to assets | 0.1423% | 1,669 |
| Net operating income to assets | 0.9148% | 2,788 |
| Return on assets (ROA) | 0.9148% | 2,874 |
| Pretax return on assets | 1.2689% | 2,401 |
| Return on Equity (ROE) | 8.5514% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.1602% | 862 |
| Net charge-offs to loans | 0.0578% | 3,061 |
| Credit loss provision to net charge-offs | 404.7619% | 754 |
| Earnings coverage of net charge-offs (x) | 40.1429% | 1,178 |
| Efficiency ratio | 61.5156% | 4,687 |
| Assets per employee ($millions) | 7.4137% | 737 |
| Cash dividends to net income (ytd only)* | 4.5746% | 4,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,845 |
| Loan loss allowance to noncurrent loans | 129.8343% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 2,772 |
| Noncurrent loans to loans | 1.1817% | 1,995 |
| Net loans and leases to total assets | 56.5108% | 4,251 |
| Net loans and leases to deposits | 65.5956% | 4,346 |
| Net loans and leases to core deposits | 69.1517% | 4,363 |
| Total domestic deposits to total assets | 86.1503% | 2,572 |
| Equity capital to assets | 9.9568% | 4,010 |
| Core capital (leverage) ratio | 11.4630% | 1,986 |
| Tier 1 risk-based capital ratio | 15.6641% | 2,854 |
| Total risk-based capital ratio | 16.9152% | 2,782 |
| Memoranda: | ||
| Average total assets | $119,475,400 | 4,078 |
| Average earning assets | $112,570,000 | 4,024 |
| Average equity | $12,781,600 | 4,179 |
| Average total loans | $72,690,600 | 4,028 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,432 |
| Cost of funding earning assets | 0.5635% | 1,681 |
| Net interest margin | 3.6799% | 2,849 |
| Noninterest income to average assets | 0.2805% | 4,939 |
| Noninterest expense to average assets | 2.2497% | 4,910 |
| Loan and lease loss provision to assets | 0.1954% | 1,033 |
| Net operating income to assets | 0.9220% | 2,850 |
| Return on assets (ROA) | 0.9220% | 2,940 |
| Pretax return on assets | 1.2887% | 2,435 |
| Return on Equity (ROE) | 8.4495% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.9227% | 1,267 |
| Net charge-offs to loans | 0.0112% | 3,785 |
| Credit loss provision to net charge-offs | 2,833.3333% | 129 |
| Earnings coverage of net charge-offs (x) | 215.1613% | 334 |
| Efficiency ratio | 60.2525% | 4,857 |
| Assets per employee ($millions) | 5.7730% | 1,531 |
| Cash dividends to net income (ytd only)* | 6.2349% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,859 |
| Loan loss allowance to noncurrent loans | 121.9537% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 2,254 |
| Noncurrent loans to loans | 1.2945% | 1,974 |
| Net loans and leases to total assets | 68.8322% | 2,558 |
| Net loans and leases to deposits | 82.6872% | 2,567 |
| Net loans and leases to core deposits | 97.8626% | 1,709 |
| Total domestic deposits to total assets | 83.2441% | 3,719 |
| Equity capital to assets | 11.8893% | 2,183 |
| Core capital (leverage) ratio | 11.2638% | 2,230 |
| Tier 1 risk-based capital ratio | 16.1401% | 2,737 |
| Total risk-based capital ratio | 17.3928% | 2,688 |
| Memoranda: | ||
| Average total assets | $115,982,500 | 4,180 |
| Average earning assets | $108,839,500 | 4,132 |
| Average equity | $12,655,250 | 4,247 |
| Average total loans | $71,716,500 | 4,091 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 2,946 |
| Cost of funding earning assets | 0.5649% | 1,684 |
| Net interest margin | 3.5208% | 3,413 |
| Noninterest income to average assets | 0.2456% | 5,197 |
| Noninterest expense to average assets | 2.1985% | 5,120 |
| Loan and lease loss provision to assets | 0.1609% | 1,317 |
| Net operating income to assets | 0.8587% | 3,091 |
| Return on assets (ROA) | 0.8587% | 3,192 |
| Pretax return on assets | 1.2009% | 2,772 |
| Return on Equity (ROE) | 8.0947% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.0947% | 1,224 |
| Net charge-offs to loans | 0.0143% | 3,433 |
| Credit loss provision to net charge-offs | 1,900.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 160.8000% | 412 |
| Efficiency ratio | 61.7507% | 4,713 |
| Assets per employee ($millions) | 5.4723% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 2,054 |
| Loan loss allowance to noncurrent loans | 267.5294% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 3,808 |
| Noncurrent loans to loans | 0.5828% | 3,707 |
| Net loans and leases to total assets | 65.5958% | 3,021 |
| Net loans and leases to deposits | 78.4115% | 2,977 |
| Net loans and leases to core deposits | 87.6324% | 2,586 |
| Total domestic deposits to total assets | 83.6559% | 3,712 |
| Equity capital to assets | 11.5619% | 2,361 |
| Core capital (leverage) ratio | 10.8516% | 2,565 |
| Tier 1 risk-based capital ratio | 16.2167% | 2,751 |
| Total risk-based capital ratio | 17.4690% | 2,700 |
| Memoranda: | ||
| Average total assets | $118,081,000 | 4,185 |
| Average earning assets | $111,166,670 | 4,130 |
| Average equity | $12,526,670 | 4,286 |
| Average total loans | $70,051,670 | 4,158 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 3,675 |
| Cost of funding earning assets | 0.5439% | 1,894 |
| Net interest margin | 3.3429% | 4,049 |
| Noninterest income to average assets | 0.2484% | 5,178 |
| Noninterest expense to average assets | 2.0915% | 5,408 |
| Loan and lease loss provision to assets | 0.1634% | 1,231 |
| Net operating income to assets | 0.8301% | 3,114 |
| Return on assets (ROA) | 0.8301% | 3,239 |
| Pretax return on assets | 1.1471% | 2,876 |
| Return on Equity (ROE) | 8.1521% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.1521% | 1,510 |
| Net charge-offs to loans | -0.0525% | 5,542 |
| Credit loss provision to net charge-offs | -555.5556% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4793% | 4,883 |
| Assets per employee ($millions) | 6.2167% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 2,242 |
| Loan loss allowance to noncurrent loans | 219.0099% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 3,617 |
| Noncurrent loans to loans | 0.7072% | 3,504 |
| Net loans and leases to total assets | 59.5232% | 3,723 |
| Net loans and leases to deposits | 70.1821% | 3,731 |
| Net loans and leases to core deposits | 79.1710% | 3,269 |
| Total domestic deposits to total assets | 84.8125% | 3,497 |
| Equity capital to assets | 10.7156% | 3,305 |
| Core capital (leverage) ratio | 10.4129% | 3,084 |
| Tier 1 risk-based capital ratio | 16.0701% | 2,890 |
| Total risk-based capital ratio | 17.3228% | 2,820 |
| Memoranda: | ||
| Average total assets | $122,398,500 | 4,137 |
| Average earning assets | $115,470,000 | 4,073 |
| Average equity | $12,463,000 | 4,328 |
| Average total loans | $68,613,000 | 4,210 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,387 |
| Cost of funding earning assets | 0.7059% | 1,068 |
| Net interest margin | 3.1247% | 5,146 |
| Noninterest income to average assets | 0.1901% | 5,717 |
| Noninterest expense to average assets | 2.2605% | 5,214 |
| Loan and lease loss provision to assets | 0.0265% | 4,075 |
| Net operating income to assets | 0.5902% | 4,422 |
| Return on assets (ROA) | 0.6164% | 4,395 |
| Pretax return on assets | 0.8313% | 4,139 |
| Return on Equity (ROE) | 5.7684% | 4,276 |
| Retained earnings to average equity (ytd only) | -3.6249% | 6,123 |
| Net charge-offs to loans | 0.4646% | 902 |
| Credit loss provision to net charge-offs | 11.7647% | 4,079 |
| Earnings coverage of net charge-offs (x) | 3.6471% | 3,836 |
| Efficiency ratio | 73.3219% | 2,963 |
| Assets per employee ($millions) | 6.6674% | 969 |
| Cash dividends to net income (ytd only)* | 162.8407% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 2,126 |
| Loan loss allowance to noncurrent loans | 190.3636% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 3,268 |
| Noncurrent loans to loans | 0.8357% | 3,224 |
| Net loans and leases to total assets | 51.1257% | 4,861 |
| Net loans and leases to deposits | 59.3160% | 4,958 |
| Net loans and leases to core deposits | 65.0849% | 4,748 |
| Total domestic deposits to total assets | 86.1920% | 2,728 |
| Equity capital to assets | 9.6850% | 4,487 |
| Core capital (leverage) ratio | 11.3503% | 2,091 |
| Tier 1 risk-based capital ratio | 16.7240% | 2,633 |
| Total risk-based capital ratio | 17.9763% | 2,582 |
| Memoranda: | ||
| Average total assets | $113,074,000 | 4,320 |
| Average earning assets | $104,682,600 | 4,297 |
| Average equity | $12,083,000 | 4,344 |
| Average total loans | $54,887,200 | 4,654 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 4,157 |
| Cost of funding earning assets | 0.7200% | 1,049 |
| Net interest margin | 3.1847% | 5,014 |
| Noninterest income to average assets | 0.2395% | 5,488 |
| Noninterest expense to average assets | 2.3050% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6035% | 4,429 |
| Return on assets (ROA) | 0.6370% | 4,380 |
| Pretax return on assets | 0.9191% | 3,908 |
| Return on Equity (ROE) | 5.8044% | 4,338 |
| Retained earnings to average equity (ytd only) | -2.2265% | 6,091 |
| Net charge-offs to loans | 0.3068% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.9665% | 3,161 |
| Efficiency ratio | 72.5881% | 3,077 |
| Assets per employee ($millions) | 5.3822% | 1,832 |
| Cash dividends to net income (ytd only)* | 138.3583% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 1,353 |
| Loan loss allowance to noncurrent loans | 76.0396% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9059% | 1,534 |
| Noncurrent loans to loans | 2.5642% | 1,131 |
| Net loans and leases to total assets | 56.6486% | 4,247 |
| Net loans and leases to deposits | 68.5222% | 4,082 |
| Net loans and leases to core deposits | 77.0745% | 3,627 |
| Total domestic deposits to total assets | 82.6720% | 4,245 |
| Equity capital to assets | 12.1316% | 1,958 |
| Core capital (leverage) ratio | 11.7371% | 1,878 |
| Tier 1 risk-based capital ratio | 19.8909% | 1,702 |
| Total risk-based capital ratio | 21.1473% | 1,670 |
| Memoranda: | ||
| Average total assets | $109,672,500 | 4,427 |
| Average earning assets | $101,107,500 | 4,412 |
| Average equity | $12,036,500 | 4,378 |
| Average total loans | $52,155,750 | 4,787 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,752 |
| Cost of funding earning assets | 0.7147% | 1,114 |
| Net interest margin | 3.0185% | 5,462 |
| Noninterest income to average assets | 0.2069% | 5,714 |
| Noninterest expense to average assets | 2.2882% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4566% | 4,988 |
| Return on assets (ROA) | 0.4566% | 5,062 |
| Pretax return on assets | 0.6831% | 4,703 |
| Return on Equity (ROE) | 4.2977% | 5,017 |
| Retained earnings to average equity (ytd only) | -7.8735% | 6,371 |
| Net charge-offs to loans | 0.1605% | 2,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.5750% | 2,346 |
| Efficiency ratio | 77.0108% | 2,451 |
| Assets per employee ($millions) | 5.4420% | 1,748 |
| Cash dividends to net income (ytd only)* | 283.2031% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3730% | 835 |
| Loan loss allowance to noncurrent loans | 48.6957% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7138% | 976 |
| Noncurrent loans to loans | 4.8731% | 422 |
| Net loans and leases to total assets | 49.0203% | 5,072 |
| Net loans and leases to deposits | 58.8640% | 4,968 |
| Net loans and leases to core deposits | 62.9632% | 4,902 |
| Total domestic deposits to total assets | 83.2772% | 4,200 |
| Equity capital to assets | 11.6956% | 2,244 |
| Core capital (leverage) ratio | 11.2774% | 2,174 |
| Tier 1 risk-based capital ratio | 20.0421% | 1,674 |
| Total risk-based capital ratio | 21.3015% | 1,646 |
| Memoranda: | ||
| Average total assets | $112,142,670 | 4,410 |
| Average earning assets | $102,700,670 | 4,399 |
| Average equity | $11,913,330 | 4,413 |
| Average total loans | $49,847,000 | 4,905 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 5,133 |
| Cost of funding earning assets | 0.7090% | 1,194 |
| Net interest margin | 2.9040% | 5,741 |
| Noninterest income to average assets | 0.3158% | 4,839 |
| Noninterest expense to average assets | 2.2212% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4703% | 4,836 |
| Return on assets (ROA) | 0.4703% | 4,914 |
| Pretax return on assets | 0.7381% | 4,362 |
| Return on Equity (ROE) | 4.6348% | 4,720 |
| Retained earnings to average equity (ytd only) | -19.8926% | 6,529 |
| Net charge-offs to loans | 0.0328% | 2,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 715 |
| Efficiency ratio | 75.0580% | 2,960 |
| Assets per employee ($millions) | 5.6708% | 1,561 |
| Cash dividends to net income (ytd only)* | 529.1971% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6202% | 698 |
| Loan loss allowance to noncurrent loans | 53.3895% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.7351% | 1,108 |
| Noncurrent loans to loans | 4.9077% | 462 |
| Net loans and leases to total assets | 43.7371% | 5,532 |
| Net loans and leases to deposits | 51.8678% | 5,461 |
| Net loans and leases to core deposits | 54.0189% | 5,497 |
| Total domestic deposits to total assets | 84.3242% | 4,152 |
| Equity capital to assets | 10.8496% | 2,881 |
| Core capital (leverage) ratio | 10.7320% | 2,669 |
| Tier 1 risk-based capital ratio | 20.0710% | 1,701 |
| Total risk-based capital ratio | 21.3314% | 1,664 |
| Memoranda: | ||
| Average total assets | $116,515,000 | 4,350 |
| Average earning assets | $106,061,000 | 4,362 |
| Average equity | $11,823,500 | 4,440 |
| Average total loans | $48,811,500 | 4,975 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 5,379 |
| Cost of funding earning assets | 0.7716% | 1,364 |
| Net interest margin | 2.8379% | 5,921 |
| Noninterest income to average assets | 0.3091% | 5,124 |
| Noninterest expense to average assets | 1.9870% | 6,052 |
| Loan and lease loss provision to assets | 0.1647% | 2,213 |
| Net operating income to assets | 0.5687% | 4,418 |
| Return on assets (ROA) | 0.6156% | 4,303 |
| Pretax return on assets | 0.7778% | 4,233 |
| Return on Equity (ROE) | 5.7786% | 4,224 |
| Retained earnings to average equity (ytd only) | -4.9815% | 6,370 |
| Net charge-offs to loans | 0.4949% | 1,340 |
| Credit loss provision to net charge-offs | 80.4979% | 3,033 |
| Earnings coverage of net charge-offs (x) | 4.3154% | 3,603 |
| Efficiency ratio | 69.2308% | 3,969 |
| Assets per employee ($millions) | 6.5939% | 943 |
| Cash dividends to net income (ytd only)* | 186.2069% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5838% | 735 |
| Loan loss allowance to noncurrent loans | 54.3358% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.3371% | 1,494 |
| Noncurrent loans to loans | 4.7552% | 547 |
| Net loans and leases to total assets | 38.2794% | 6,069 |
| Net loans and leases to deposits | 44.3550% | 6,104 |
| Net loans and leases to core deposits | 46.9325% | 6,096 |
| Total domestic deposits to total assets | 86.3023% | 3,114 |
| Equity capital to assets | 9.5439% | 4,358 |
| Core capital (leverage) ratio | 11.4168% | 2,022 |
| Tier 1 risk-based capital ratio | 20.1688% | 1,617 |
| Total risk-based capital ratio | 21.4276% | 1,583 |
| Memoranda: | ||
| Average total assets | $117,763,400 | 4,320 |
| Average earning assets | $106,274,000 | 4,358 |
| Average equity | $12,546,400 | 4,346 |
| Average total loans | $48,699,400 | 5,010 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 5,405 |
| Cost of funding earning assets | 0.7891% | 1,387 |
| Net interest margin | 2.8256% | 5,971 |
| Noninterest income to average assets | 0.3106% | 5,218 |
| Noninterest expense to average assets | 1.9813% | 6,046 |
| Loan and lease loss provision to assets | 0.2232% | 1,626 |
| Net operating income to assets | 0.4084% | 5,219 |
| Return on assets (ROA) | 0.4453% | 5,187 |
| Pretax return on assets | 0.7179% | 4,625 |
| Return on Equity (ROE) | 4.0649% | 5,193 |
| Retained earnings to average equity (ytd only) | -10.1150% | 6,641 |
| Net charge-offs to loans | 0.5820% | 1,081 |
| Credit loss provision to net charge-offs | 91.5094% | 2,599 |
| Earnings coverage of net charge-offs (x) | 3.6226% | 3,650 |
| Efficiency ratio | 69.1566% | 3,892 |
| Assets per employee ($millions) | 6.1058% | 1,168 |
| Cash dividends to net income (ytd only)* | 348.8362% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5652% | 871 |
| Loan loss allowance to noncurrent loans | 91.8785% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.8443% | 2,211 |
| Noncurrent loans to loans | 2.7920% | 1,496 |
| Net loans and leases to total assets | 44.9629% | 5,631 |
| Net loans and leases to deposits | 53.7656% | 5,559 |
| Net loans and leases to core deposits | 58.4590% | 5,415 |
| Total domestic deposits to total assets | 83.6275% | 4,336 |
| Equity capital to assets | 10.6839% | 3,087 |
| Core capital (leverage) ratio | 11.1332% | 2,355 |
| Tier 1 risk-based capital ratio | 20.3042% | 1,653 |
| Total risk-based capital ratio | 21.5651% | 1,624 |
| Memoranda: | ||
| Average total assets | $115,883,250 | 4,414 |
| Average earning assets | $104,753,750 | 4,434 |
| Average equity | $12,693,750 | 4,368 |
| Average total loans | $48,566,750 | 5,061 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 5,767 |
| Cost of funding earning assets | 0.7800% | 1,525 |
| Net interest margin | 2.6816% | 6,206 |
| Noninterest income to average assets | 0.2901% | 5,379 |
| Noninterest expense to average assets | 1.8986% | 6,223 |
| Loan and lease loss provision to assets | 0.2850% | 1,274 |
| Net operating income to assets | 0.3580% | 5,374 |
| Return on assets (ROA) | 0.4123% | 5,332 |
| Pretax return on assets | 0.6414% | 4,869 |
| Return on Equity (ROE) | 3.7353% | 5,322 |
| Retained earnings to average equity (ytd only) | -17.0164% | 6,773 |
| Net charge-offs to loans | 0.3636% | 1,747 |
| Credit loss provision to net charge-offs | 193.1034% | 1,230 |
| Earnings coverage of net charge-offs (x) | 5.7011% | 2,842 |
| Efficiency ratio | 69.2879% | 3,963 |
| Assets per employee ($millions) | 5.8179% | 1,340 |
| Cash dividends to net income (ytd only)* | 555.5556% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8070% | 702 |
| Loan loss allowance to noncurrent loans | 69.9301% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.3223% | 1,861 |
| Noncurrent loans to loans | 4.0140% | 967 |
| Net loans and leases to total assets | 46.2897% | 5,499 |
| Net loans and leases to deposits | 55.8318% | 5,362 |
| Net loans and leases to core deposits | 60.4416% | 5,226 |
| Total domestic deposits to total assets | 82.9092% | 4,732 |
| Equity capital to assets | 11.0463% | 2,706 |
| Core capital (leverage) ratio | 10.6672% | 2,698 |
| Tier 1 risk-based capital ratio | 20.4739% | 1,614 |
| Total risk-based capital ratio | 21.7382% | 1,584 |
| Memoranda: | ||
| Average total assets | $117,876,330 | 4,394 |
| Average earning assets | $107,697,000 | 4,393 |
| Average equity | $13,011,000 | 4,342 |
| Average total loans | $47,850,000 | 5,108 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2434% | 6,249 |
| Cost of funding earning assets | 0.7520% | 1,833 |
| Net interest margin | 2.4914% | 6,522 |
| Noninterest income to average assets | 0.2828% | 5,440 |
| Noninterest expense to average assets | 1.8095% | 6,425 |
| Loan and lease loss provision to assets | 0.1607% | 2,265 |
| Net operating income to assets | 0.3417% | 5,394 |
| Return on assets (ROA) | 0.3664% | 5,409 |
| Pretax return on assets | 0.6300% | 4,842 |
| Return on Equity (ROE) | 3.3206% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.3206% | 4,259 |
| Net charge-offs to loans | -0.0854% | 6,372 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6399% | 3,866 |
| Assets per employee ($millions) | 8.2362% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9425% | 697 |
| Loan loss allowance to noncurrent loans | 58.6060% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 2,147 |
| Noncurrent loans to loans | 5.0208% | 759 |
| Net loans and leases to total assets | 39.4477% | 6,040 |
| Net loans and leases to deposits | 47.2410% | 5,976 |
| Net loans and leases to core deposits | 51.2975% | 5,873 |
| Total domestic deposits to total assets | 83.5032% | 4,668 |
| Equity capital to assets | 11.9021% | 2,110 |
| Core capital (leverage) ratio | 11.2120% | 2,084 |
| Tier 1 risk-based capital ratio | 23.1229% | 1,140 |
| Total risk-based capital ratio | 24.3869% | 1,118 |
| Memoranda: | ||
| Average total assets | $124,453,000 | 4,294 |
| Average earning assets | $113,829,500 | 4,286 |
| Average equity | $13,732,500 | 4,240 |
| Average total loans | $46,837,000 | 5,177 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 5,502 |
| Cost of funding earning assets | 0.9810% | 1,460 |
| Net interest margin | 2.9448% | 6,146 |
| Noninterest income to average assets | 0.1798% | 6,108 |
| Noninterest expense to average assets | 2.0506% | 6,234 |
| Loan and lease loss provision to assets | 0.5387% | 1,070 |
| Net operating income to assets | 0.2232% | 5,726 |
| Return on assets (ROA) | 0.4244% | 5,246 |
| Pretax return on assets | 0.5429% | 5,156 |
| Return on Equity (ROE) | 3.7405% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.7405% | 3,583 |
| Net charge-offs to loans | 1.5715% | 552 |
| Credit loss provision to net charge-offs | 77.8858% | 3,897 |
| Earnings coverage of net charge-offs (x) | 1.1908% | 4,863 |
| Efficiency ratio | 71.3450% | 3,554 |
| Assets per employee ($millions) | 7.8588% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8178% | 806 |
| Loan loss allowance to noncurrent loans | 67.9197% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 2,795 |
| Noncurrent loans to loans | 4.1488% | 1,100 |
| Net loans and leases to total assets | 34.0497% | 6,543 |
| Net loans and leases to deposits | 39.7438% | 6,567 |
| Net loans and leases to core deposits | 42.9532% | 6,506 |
| Total domestic deposits to total assets | 85.6728% | 3,523 |
| Equity capital to assets | 10.2853% | 3,779 |
| Core capital (leverage) ratio | 11.5710% | 1,827 |
| Tier 1 risk-based capital ratio | 21.6410% | 1,330 |
| Total risk-based capital ratio | 22.9021% | 1,304 |
| Memoranda: | ||
| Average total assets | $118,991,800 | 4,380 |
| Average earning assets | $108,870,400 | 4,372 |
| Average equity | $13,501,000 | 4,257 |
| Average total loans | $52,371,600 | 5,000 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 5,187 |
| Cost of funding earning assets | 1.0621% | 1,228 |
| Net interest margin | 3.0377% | 6,087 |
| Noninterest income to average assets | 0.2867% | 5,491 |
| Noninterest expense to average assets | 2.1120% | 6,139 |
| Loan and lease loss provision to assets | 0.6138% | 881 |
| Net operating income to assets | 0.1933% | 5,939 |
| Return on assets (ROA) | 0.3560% | 5,617 |
| Pretax return on assets | 0.6057% | 5,148 |
| Return on Equity (ROE) | 3.0553% | 5,660 |
| Retained earnings to average equity (ytd only) | 3.0553% | 4,724 |
| Net charge-offs to loans | 1.8079% | 434 |
| Credit loss provision to net charge-offs | 72.8395% | 3,826 |
| Earnings coverage of net charge-offs (x) | 1.1454% | 4,728 |
| Efficiency ratio | 68.6326% | 3,941 |
| Assets per employee ($millions) | 6.5219% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5892% | 1,093 |
| Loan loss allowance to noncurrent loans | 97.6762% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6884% | 3,055 |
| Noncurrent loans to loans | 2.6508% | 2,137 |
| Net loans and leases to total assets | 44.2136% | 5,946 |
| Net loans and leases to deposits | 53.4878% | 5,847 |
| Net loans and leases to core deposits | 59.4309% | 5,614 |
| Total domestic deposits to total assets | 82.6612% | 4,772 |
| Equity capital to assets | 12.3123% | 2,029 |
| Core capital (leverage) ratio | 11.4567% | 2,018 |
| Tier 1 risk-based capital ratio | 21.5252% | 1,420 |
| Total risk-based capital ratio | 22.7854% | 1,390 |
| Memoranda: | ||
| Average total assets | $115,340,000 | 4,496 |
| Average earning assets | $105,956,250 | 4,485 |
| Average equity | $13,441,000 | 4,309 |
| Average total loans | $53,762,250 | 5,002 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 4,989 |
| Cost of funding earning assets | 1.1201% | 1,126 |
| Net interest margin | 3.0694% | 6,077 |
| Noninterest income to average assets | 0.2585% | 5,725 |
| Noninterest expense to average assets | 2.0337% | 6,366 |
| Loan and lease loss provision to assets | 0.4622% | 1,383 |
| Net operating income to assets | 0.3477% | 5,442 |
| Return on assets (ROA) | 0.5427% | 4,894 |
| Pretax return on assets | 0.8679% | 4,207 |
| Return on Equity (ROE) | 4.7416% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.7416% | 3,450 |
| Net charge-offs to loans | 0.3460% | 2,632 |
| Credit loss provision to net charge-offs | 284.2105% | 1,031 |
| Earnings coverage of net charge-offs (x) | 6.3053% | 2,665 |
| Efficiency ratio | 66.4801% | 4,436 |
| Assets per employee ($millions) | 6.4446% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1817% | 654 |
| Loan loss allowance to noncurrent loans | 67.3092% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.5712% | 2,168 |
| Noncurrent loans to loans | 4.7270% | 1,089 |
| Net loans and leases to total assets | 46.5507% | 5,775 |
| Net loans and leases to deposits | 56.3835% | 5,606 |
| Net loans and leases to core deposits | 63.5292% | 5,256 |
| Total domestic deposits to total assets | 82.5608% | 4,928 |
| Equity capital to assets | 12.4181% | 1,867 |
| Core capital (leverage) ratio | 11.3500% | 2,012 |
| Tier 1 risk-based capital ratio | 21.9654% | 1,298 |
| Total risk-based capital ratio | 23.2338% | 1,271 |
| Memoranda: | ||
| Average total assets | $116,829,000 | 4,487 |
| Average earning assets | $106,601,670 | 4,496 |
| Average equity | $13,371,000 | 4,323 |
| Average total loans | $54,908,330 | 4,992 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 5,522 |
| Cost of funding earning assets | 1.1530% | 1,166 |
| Net interest margin | 2.9281% | 6,439 |
| Noninterest income to average assets | 0.2524% | 5,838 |
| Noninterest expense to average assets | 1.9657% | 6,526 |
| Loan and lease loss provision to assets | 0.4649% | 1,323 |
| Net operating income to assets | 0.3121% | 5,621 |
| Return on assets (ROA) | 0.3121% | 5,781 |
| Pretax return on assets | 0.4948% | 5,445 |
| Return on Equity (ROE) | 2.8369% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.8369% | 4,829 |
| Net charge-offs to loans | -0.0643% | 6,638 |
| Credit loss provision to net charge-offs | -1,555.5556% | 6,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1964% | 4,323 |
| Assets per employee ($millions) | 6.8603% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9946% | 834 |
| Loan loss allowance to noncurrent loans | 60.1751% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.4454% | 2,413 |
| Noncurrent loans to loans | 4.9764% | 1,133 |
| Net loans and leases to total assets | 45.8307% | 5,801 |
| Net loans and leases to deposits | 54.5353% | 5,753 |
| Net loans and leases to core deposits | 60.9874% | 5,436 |
| Total domestic deposits to total assets | 84.0386% | 4,471 |
| Equity capital to assets | 11.3286% | 2,599 |
| Core capital (leverage) ratio | 10.9917% | 2,262 |
| Tier 1 risk-based capital ratio | 20.4282% | 1,609 |
| Total risk-based capital ratio | 21.6945% | 1,579 |
| Memoranda: | ||
| Average total assets | $120,464,500 | 4,442 |
| Average earning assets | $109,970,000 | 4,439 |
| Average equity | $13,254,000 | 4,360 |
| Average total loans | $56,024,500 | 4,981 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 3,994 |
| Cost of funding earning assets | 1.3089% | 1,441 |
| Net interest margin | 3.4492% | 5,338 |
| Noninterest income to average assets | 0.9396% | 1,541 |
| Noninterest expense to average assets | 2.0899% | 6,511 |
| Loan and lease loss provision to assets | 1.0213% | 922 |
| Net operating income to assets | 0.7293% | 3,337 |
| Return on assets (ROA) | 0.7878% | 3,255 |
| Pretax return on assets | 1.0586% | 3,006 |
| Return on Equity (ROE) | 7.0396% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.0396% | 1,489 |
| Net charge-offs to loans | 1.6704% | 928 |
| Credit loss provision to net charge-offs | 105.4409% | 3,247 |
| Earnings coverage of net charge-offs (x) | 2.0657% | 4,234 |
| Efficiency ratio | 51.0884% | 6,770 |
| Assets per employee ($millions) | 7.3120% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6357% | 1,149 |
| Loan loss allowance to noncurrent loans | 55.0624% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.3700% | 2,555 |
| Noncurrent loans to loans | 4.7867% | 1,208 |
| Net loans and leases to total assets | 44.6068% | 6,149 |
| Net loans and leases to deposits | 52.5643% | 6,166 |
| Net loans and leases to core deposits | 59.5581% | 5,886 |
| Total domestic deposits to total assets | 84.8613% | 3,921 |
| Equity capital to assets | 10.6964% | 3,307 |
| Core capital (leverage) ratio | 12.2154% | 1,484 |
| Tier 1 risk-based capital ratio | 19.6819% | 1,704 |
| Total risk-based capital ratio | 20.9446% | 1,674 |
| Memoranda: | ||
| Average total assets | $110,051,600 | 4,643 |
| Average earning assets | $100,546,000 | 4,626 |
| Average equity | $12,316,000 | 4,472 |
| Average total loans | $63,815,400 | 4,719 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 3,562 |
| Cost of funding earning assets | 1.3529% | 1,443 |
| Net interest margin | 3.5459% | 5,000 |
| Noninterest income to average assets | 0.2729% | 5,664 |
| Noninterest expense to average assets | 2.1510% | 6,392 |
| Loan and lease loss provision to assets | 1.1945% | 656 |
| Net operating income to assets | 0.1084% | 5,946 |
| Return on assets (ROA) | 0.1765% | 5,885 |
| Pretax return on assets | 0.2892% | 5,724 |
| Return on Equity (ROE) | 1.5575% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.5575% | 5,358 |
| Net charge-offs to loans | 1.9674% | 650 |
| Credit loss provision to net charge-offs | 98.6556% | 3,463 |
| Earnings coverage of net charge-offs (x) | 1.1375% | 4,776 |
| Efficiency ratio | 60.9652% | 5,565 |
| Assets per employee ($millions) | 6.3549% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2010% | 1,859 |
| Loan loss allowance to noncurrent loans | 53.4180% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.6760% | 2,417 |
| Noncurrent loans to loans | 4.1203% | 1,603 |
| Net loans and leases to total assets | 58.8163% | 4,353 |
| Net loans and leases to deposits | 70.7442% | 4,180 |
| Net loans and leases to core deposits | 81.8353% | 3,351 |
| Total domestic deposits to total assets | 83.1394% | 4,627 |
| Equity capital to assets | 11.7020% | 2,492 |
| Core capital (leverage) ratio | 11.7534% | 1,854 |
| Tier 1 risk-based capital ratio | 18.6137% | 2,055 |
| Total risk-based capital ratio | 19.8747% | 2,009 |
| Memoranda: | ||
| Average total assets | $106,488,500 | 4,747 |
| Average earning assets | $97,764,250 | 4,725 |
| Average equity | $12,071,000 | 4,551 |
| Average total loans | $65,532,000 | 4,697 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 4,152 |
| Cost of funding earning assets | 1.3629% | 1,587 |
| Net interest margin | 3.4224% | 5,470 |
| Noninterest income to average assets | 0.3038% | 5,465 |
| Noninterest expense to average assets | 2.1137% | 6,568 |
| Loan and lease loss provision to assets | 1.8004% | 372 |
| Net operating income to assets | -0.5114% | 6,701 |
| Return on assets (ROA) | -0.5058% | 6,716 |
| Pretax return on assets | -0.4341% | 6,613 |
| Return on Equity (ROE) | -4.5115% | 6,683 |
| Retained earnings to average equity (ytd only) | -4.5115% | 6,525 |
| Net charge-offs to loans | 2.3342% | 540 |
| Credit loss provision to net charge-offs | 124.3807% | 2,452 |
| Earnings coverage of net charge-offs (x) | 0.9400% | 4,600 |
| Efficiency ratio | 60.8365% | 5,754 |
| Assets per employee ($millions) | 6.3054% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5543% | 1,359 |
| Loan loss allowance to noncurrent loans | 46.1756% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 3.5981% | 1,825 |
| Noncurrent loans to loans | 5.5318% | 1,140 |
| Net loans and leases to total assets | 61.6363% | 3,964 |
| Net loans and leases to deposits | 74.4626% | 3,721 |
| Net loans and leases to core deposits | 83.9437% | 3,221 |
| Total domestic deposits to total assets | 82.7748% | 4,864 |
| Equity capital to assets | 11.8767% | 2,191 |
| Core capital (leverage) ratio | 11.3418% | 2,017 |
| Tier 1 risk-based capital ratio | 18.4619% | 2,025 |
| Total risk-based capital ratio | 19.7279% | 1,969 |
| Memoranda: | ||
| Average total assets | $105,973,670 | 4,799 |
| Average earning assets | $98,176,330 | 4,752 |
| Average equity | $11,880,670 | 4,585 |
| Average total loans | $65,719,000 | 4,737 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 4,795 |
| Cost of funding earning assets | 1.3461% | 1,913 |
| Net interest margin | 3.2913% | 5,810 |
| Noninterest income to average assets | 0.2470% | 5,921 |
| Noninterest expense to average assets | 2.0310% | 6,771 |
| Loan and lease loss provision to assets | 2.6503% | 190 |
| Net operating income to assets | -1.3970% | 7,162 |
| Return on assets (ROA) | -1.3933% | 7,166 |
| Pretax return on assets | -1.3933% | 7,125 |
| Return on Equity (ROE) | -12.7811% | 7,091 |
| Retained earnings to average equity (ytd only) | -12.7811% | 6,966 |
| Net charge-offs to loans | 0.5460% | 2,130 |
| Credit loss provision to net charge-offs | 790.1099% | 484 |
| Earnings coverage of net charge-offs (x) | 3.7363% | 2,649 |
| Efficiency ratio | 61.8406% | 5,707 |
| Assets per employee ($millions) | 6.3721% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1325% | 819 |
| Loan loss allowance to noncurrent loans | 46.6231% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 4.5246% | 1,434 |
| Noncurrent loans to loans | 6.7188% | 862 |
| Net loans and leases to total assets | 62.8146% | 3,695 |
| Net loans and leases to deposits | 75.3409% | 3,529 |
| Net loans and leases to core deposits | 89.5655% | 2,400 |
| Total domestic deposits to total assets | 83.3739% | 4,757 |
| Equity capital to assets | 11.4434% | 2,318 |
| Core capital (leverage) ratio | 11.1468% | 2,074 |
| Tier 1 risk-based capital ratio | 17.5245% | 2,284 |
| Total risk-based capital ratio | 18.7981% | 2,238 |
| Memoranda: | ||
| Average total assets | $108,517,000 | 4,776 |
| Average earning assets | $100,144,000 | 4,738 |
| Average equity | $11,830,000 | 4,593 |
| Average total loans | $66,672,000 | 4,747 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 4,048 |
| Cost of funding earning assets | 1.6990% | 1,604 |
| Net interest margin | 3.4138% | 5,578 |
| Noninterest income to average assets | 0.2925% | 5,688 |
| Noninterest expense to average assets | 2.0176% | 6,994 |
| Loan and lease loss provision to assets | 1.0522% | 1,528 |
| Net operating income to assets | 0.2925% | 4,962 |
| Return on assets (ROA) | 0.2925% | 5,124 |
| Pretax return on assets | 0.3668% | 5,039 |
| Return on Equity (ROE) | 3.0402% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.0402% | 3,722 |
| Net charge-offs to loans | 2.1231% | 927 |
| Credit loss provision to net charge-offs | 74.3013% | 5,753 |
| Earnings coverage of net charge-offs (x) | 1.0020% | 5,111 |
| Efficiency ratio | 58.7079% | 6,247 |
| Assets per employee ($millions) | 7.1925% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1448% | 1,972 |
| Loan loss allowance to noncurrent loans | 34.8478% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 3.7556% | 1,828 |
| Noncurrent loans to loans | 6.1549% | 1,003 |
| Net loans and leases to total assets | 57.1681% | 5,154 |
| Net loans and leases to deposits | 67.2889% | 5,200 |
| Net loans and leases to core deposits | 78.9500% | 4,350 |
| Total domestic deposits to total assets | 84.9592% | 3,868 |
| Equity capital to assets | 10.4214% | 3,252 |
| Core capital (leverage) ratio | 12.0744% | 1,495 |
| Tier 1 risk-based capital ratio | 17.3575% | 2,217 |
| Total risk-based capital ratio | 18.6183% | 2,183 |
| Memoranda: | ||
| Average total assets | $103,590,600 | 4,886 |
| Average earning assets | $95,407,800 | 4,851 |
| Average equity | $9,966,600 | 5,147 |
| Average total loans | $69,098,600 | 4,712 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 3,409 |
| Cost of funding earning assets | 1.8017% | 1,415 |
| Net interest margin | 3.4859% | 5,356 |
| Noninterest income to average assets | 0.3111% | 5,665 |
| Noninterest expense to average assets | 2.0625% | 6,930 |
| Loan and lease loss provision to assets | 1.2973% | 1,072 |
| Net operating income to assets | 0.0410% | 5,902 |
| Return on assets (ROA) | 0.0410% | 6,038 |
| Pretax return on assets | 0.1734% | 5,786 |
| Return on Equity (ROE) | 0.4369% | 6,023 |
| Retained earnings to average equity (ytd only) | 0.4369% | 5,622 |
| Net charge-offs to loans | 2.5376% | 660 |
| Credit loss provision to net charge-offs | 74.0181% | 5,316 |
| Earnings coverage of net charge-offs (x) | 0.8391% | 5,214 |
| Efficiency ratio | 58.3739% | 6,206 |
| Assets per employee ($millions) | 5.8398% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 2,051 |
| Loan loss allowance to noncurrent loans | 34.6570% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 4.3888% | 1,551 |
| Noncurrent loans to loans | 5.9958% | 1,043 |
| Net loans and leases to total assets | 70.0149% | 2,728 |
| Net loans and leases to deposits | 84.9575% | 2,526 |
| Net loans and leases to core deposits | 99.7718% | 1,872 |
| Total domestic deposits to total assets | 82.4117% | 4,835 |
| Equity capital to assets | 12.1409% | 2,064 |
| Core capital (leverage) ratio | 11.8767% | 1,728 |
| Tier 1 risk-based capital ratio | 17.0530% | 2,324 |
| Total risk-based capital ratio | 18.3145% | 2,280 |
| Memoranda: | ||
| Average total assets | $100,718,250 | 5,024 |
| Average earning assets | $93,096,000 | 4,973 |
| Average equity | $9,460,000 | 5,359 |
| Average total loans | $69,565,500 | 4,773 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 3,941 |
| Cost of funding earning assets | 1.8617% | 1,372 |
| Net interest margin | 3.3412% | 5,869 |
| Noninterest income to average assets | 0.2925% | 5,812 |
| Noninterest expense to average assets | 1.9961% | 7,119 |
| Loan and lease loss provision to assets | 0.7411% | 1,954 |
| Net operating income to assets | 0.2905% | 5,217 |
| Return on assets (ROA) | 0.2905% | 5,371 |
| Pretax return on assets | 0.6482% | 4,405 |
| Return on Equity (ROE) | 3.4203% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.4203% | 3,936 |
| Net charge-offs to loans | 2.4749% | 704 |
| Credit loss provision to net charge-offs | 43.8596% | 5,544 |
| Earnings coverage of net charge-offs (x) | 0.8222% | 4,952 |
| Efficiency ratio | 58.9609% | 6,226 |
| Assets per employee ($millions) | 6.0973% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 2,537 |
| Loan loss allowance to noncurrent loans | 55.2849% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.6016% | 2,786 |
| Noncurrent loans to loans | 3.3660% | 2,373 |
| Net loans and leases to total assets | 72.3841% | 2,306 |
| Net loans and leases to deposits | 84.6358% | 2,761 |
| Net loans and leases to core deposits | 100.7304% | 1,942 |
| Total domestic deposits to total assets | 85.5242% | 3,361 |
| Equity capital to assets | 8.9180% | 5,577 |
| Core capital (leverage) ratio | 8.6101% | 5,217 |
| Tier 1 risk-based capital ratio | 12.5557% | 4,807 |
| Total risk-based capital ratio | 13.8143% | 4,781 |
| Memoranda: | ||
| Average total assets | $101,199,000 | 5,044 |
| Average earning assets | $93,678,670 | 4,996 |
| Average equity | $8,595,670 | 5,608 |
| Average total loans | $69,093,000 | 4,821 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 5,235 |
| Cost of funding earning assets | 1.9009% | 1,444 |
| Net interest margin | 3.0499% | 6,710 |
| Noninterest income to average assets | 0.3261% | 5,538 |
| Noninterest expense to average assets | 1.8326% | 7,435 |
| Loan and lease loss provision to assets | 0.2330% | 4,173 |
| Net operating income to assets | 0.6601% | 3,612 |
| Return on assets (ROA) | 0.6601% | 3,725 |
| Pretax return on assets | 1.0639% | 2,867 |
| Return on Equity (ROE) | 7.9593% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.9593% | 1,723 |
| Net charge-offs to loans | 0.6385% | 2,225 |
| Credit loss provision to net charge-offs | 55.5556% | 4,388 |
| Earnings coverage of net charge-offs (x) | 3.0926% | 3,022 |
| Efficiency ratio | 58.5608% | 6,403 |
| Assets per employee ($millions) | 5.5084% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6620% | 1,111 |
| Loan loss allowance to noncurrent loans | 56.4372% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 3.4150% | 2,067 |
| Noncurrent loans to loans | 4.7167% | 1,566 |
| Net loans and leases to total assets | 65.3135% | 4,036 |
| Net loans and leases to deposits | 76.1038% | 4,393 |
| Net loans and leases to core deposits | 91.7630% | 3,135 |
| Total domestic deposits to total assets | 85.8216% | 3,243 |
| Equity capital to assets | 8.7241% | 5,700 |
| Core capital (leverage) ratio | 8.4937% | 5,388 |
| Tier 1 risk-based capital ratio | 13.0375% | 4,306 |
| Total risk-based capital ratio | 14.3055% | 4,265 |
| Memoranda: | ||
| Average total assets | $103,020,500 | 5,061 |
| Average earning assets | $94,692,000 | 5,024 |
| Average equity | $8,543,500 | 5,680 |
| Average total loans | $67,662,500 | 4,946 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 3,698 |
| Cost of funding earning assets | 2.4538% | 1,139 |
| Net interest margin | 3.1274% | 6,286 |
| Noninterest income to average assets | 0.3026% | 5,934 |
| Noninterest expense to average assets | 2.0334% | 7,313 |
| Loan and lease loss provision to assets | 1.1399% | 1,998 |
| Net operating income to assets | 0.0276% | 5,405 |
| Return on assets (ROA) | -0.2995% | 5,969 |
| Pretax return on assets | -0.5009% | 6,011 |
| Return on Equity (ROE) | -3.4676% | 6,050 |
| Retained earnings to average equity (ytd only) | -5.2429% | 6,056 |
| Net charge-offs to loans | 0.3638% | 4,404 |
| Credit loss provision to net charge-offs | 440.7115% | 710 |
| Earnings coverage of net charge-offs (x) | 4.4466% | 2,951 |
| Efficiency ratio | 63.8728% | 5,797 |
| Assets per employee ($millions) | 7.1260% | 755 |
| Cash dividends to net income (ytd only)* | -51.1945% | 7,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6441% | 1,075 |
| Loan loss allowance to noncurrent loans | 67.1465% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.7664% | 2,526 |
| Noncurrent loans to loans | 3.9378% | 1,887 |
| Net loans and leases to total assets | 62.6588% | 4,873 |
| Net loans and leases to deposits | 72.0211% | 5,322 |
| Net loans and leases to core deposits | 97.3899% | 4,304 |
| Total domestic deposits to total assets | 87.0007% | 2,509 |
| Equity capital to assets | 7.8932% | 6,682 |
| Core capital (leverage) ratio | 8.6830% | 4,951 |
| Tier 1 risk-based capital ratio | 12.5105% | 4,514 |
| Total risk-based capital ratio | 13.7792% | 4,443 |
| Memoranda: | ||
| Average total assets | $97,817,000 | 5,145 |
| Average earning assets | $90,105,600 | 5,116 |
| Average equity | $8,449,600 | 5,780 |
| Average total loans | $69,552,000 | 4,878 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6982% | 3,344 |
| Cost of funding earning assets | 2.5865% | 1,064 |
| Net interest margin | 3.1117% | 6,281 |
| Noninterest income to average assets | 0.3265% | 5,874 |
| Noninterest expense to average assets | 1.9982% | 7,392 |
| Loan and lease loss provision to assets | 0.4884% | 3,460 |
| Net operating income to assets | 0.6530% | 3,393 |
| Return on assets (ROA) | 0.0251% | 5,705 |
| Pretax return on assets | 0.0279% | 5,651 |
| Return on Equity (ROE) | 0.2839% | 5,689 |
| Retained earnings to average equity (ytd only) | -2.0822% | 5,740 |
| Net charge-offs to loans | 0.0860% | 5,825 |
| Credit loss provision to net charge-offs | 777.7778% | 490 |
| Earnings coverage of net charge-offs (x) | 19.3328% | 1,299 |
| Efficiency ratio | 62.2068% | 6,070 |
| Assets per employee ($millions) | 6.3600% | 1,050 |
| Cash dividends to net income (ytd only)* | 833.3333% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 2,457 |
| Loan loss allowance to noncurrent loans | 77.7572% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.1017% | 3,211 |
| Noncurrent loans to loans | 2.2445% | 3,326 |
| Net loans and leases to total assets | 74.4738% | 2,391 |
| Net loans and leases to deposits | 87.4426% | 3,071 |
| Net loans and leases to core deposits | 128.2918% | 1,557 |
| Total domestic deposits to total assets | 85.1688% | 3,141 |
| Equity capital to assets | 8.9004% | 5,634 |
| Core capital (leverage) ratio | 8.7538% | 5,045 |
| Tier 1 risk-based capital ratio | 10.7949% | 6,166 |
| Total risk-based capital ratio | 12.0491% | 6,123 |
| Memoranda: | ||
| Average total assets | $95,548,750 | 5,252 |
| Average earning assets | $88,610,500 | 5,211 |
| Average equity | $8,452,750 | 5,833 |
| Average total loans | $69,741,250 | 4,924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 4,001 |
| Cost of funding earning assets | 2.6575% | 1,144 |
| Net interest margin | 2.9561% | 6,665 |
| Noninterest income to average assets | 0.3640% | 5,598 |
| Noninterest expense to average assets | 2.0000% | 7,468 |
| Loan and lease loss provision to assets | 0.4184% | 3,444 |
| Net operating income to assets | 0.4540% | 4,276 |
| Return on assets (ROA) | -0.2155% | 6,231 |
| Pretax return on assets | -0.3661% | 6,292 |
| Return on Equity (ROE) | -2.4408% | 6,289 |
| Retained earnings to average equity (ytd only) | -5.9953% | 6,448 |
| Net charge-offs to loans | 0.0203% | 6,229 |
| Credit loss provision to net charge-offs | 2,857.1429% | 183 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 507 |
| Efficiency ratio | 64.5510% | 5,796 |
| Assets per employee ($millions) | 5.9255% | 1,252 |
| Cash dividends to net income (ytd only)* | -145.6311% | 8,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 2,728 |
| Loan loss allowance to noncurrent loans | 495.6897% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 5,740 |
| Noncurrent loans to loans | 0.3234% | 6,699 |
| Net loans and leases to total assets | 74.4526% | 2,582 |
| Net loans and leases to deposits | 87.1262% | 3,332 |
| Net loans and leases to core deposits | 133.6470% | 1,334 |
| Total domestic deposits to total assets | 85.4538% | 3,040 |
| Equity capital to assets | 8.6786% | 5,786 |
| Core capital (leverage) ratio | 8.6828% | 5,119 |
| Tier 1 risk-based capital ratio | 10.9735% | 5,900 |
| Total risk-based capital ratio | 12.2271% | 5,831 |
| Memoranda: | ||
| Average total assets | $95,598,330 | 5,293 |
| Average earning assets | $88,427,670 | 5,247 |
| Average equity | $8,440,000 | 5,872 |
| Average total loans | $68,885,000 | 4,999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5476% | 4,651 |
| Cost of funding earning assets | 2.7014% | 1,268 |
| Net interest margin | 2.8462% | 6,884 |
| Noninterest income to average assets | 0.3709% | 5,455 |
| Noninterest expense to average assets | 1.9335% | 7,487 |
| Loan and lease loss provision to assets | 0.3334% | 3,323 |
| Net operating income to assets | 0.4750% | 4,538 |
| Return on assets (ROA) | 0.4750% | 4,729 |
| Pretax return on assets | 0.7250% | 4,338 |
| Return on Equity (ROE) | 5.3358% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.3358% | 2,942 |
| Net charge-offs to loans | -0.0178% | 7,410 |
| Credit loss provision to net charge-offs | -2,666.6667% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6240% | 5,574 |
| Assets per employee ($millions) | 5.4735% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 2,888 |
| Loan loss allowance to noncurrent loans | 1,552.2388% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 5,472 |
| Noncurrent loans to loans | 0.0976% | 7,249 |
| Net loans and leases to total assets | 72.6287% | 3,085 |
| Net loans and leases to deposits | 85.5857% | 3,707 |
| Net loans and leases to core deposits | 134.1399% | 1,408 |
| Total domestic deposits to total assets | 84.8608% | 3,271 |
| Equity capital to assets | 9.2262% | 5,051 |
| Core capital (leverage) ratio | 9.0671% | 4,599 |
| Tier 1 risk-based capital ratio | 11.6790% | 5,226 |
| Total risk-based capital ratio | 12.9315% | 5,143 |
| Memoranda: | ||
| Average total assets | $95,993,500 | 5,307 |
| Average earning assets | $88,398,500 | 5,275 |
| Average equity | $8,546,000 | 5,866 |
| Average total loans | $67,459,000 | 5,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3892% | 3,473 |
| Cost of funding earning assets | 3.2389% | 1,071 |
| Net interest margin | 3.1503% | 6,521 |
| Noninterest income to average assets | 0.3865% | 5,585 |
| Noninterest expense to average assets | 1.9534% | 7,534 |
| Loan and lease loss provision to assets | 0.3702% | 3,460 |
| Net operating income to assets | 0.6174% | 4,233 |
| Return on assets (ROA) | 0.6174% | 4,088 |
| Pretax return on assets | 0.9669% | 3,492 |
| Return on Equity (ROE) | 6.9431% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.9431% | 1,170 |
| Net charge-offs to loans | 0.1698% | 4,504 |
| Credit loss provision to net charge-offs | 317.7570% | 1,417 |
| Earnings coverage of net charge-offs (x) | 11.4766% | 2,366 |
| Efficiency ratio | 59.3647% | 6,462 |
| Assets per employee ($millions) | 5.8198% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,958 |
| Loan loss allowance to noncurrent loans | 421.5859% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 5,361 |
| Noncurrent loans to loans | 0.3424% | 6,348 |
| Net loans and leases to total assets | 66.0420% | 4,841 |
| Net loans and leases to deposits | 76.9720% | 5,477 |
| Net loans and leases to core deposits | 109.3703% | 3,819 |
| Total domestic deposits to total assets | 85.8001% | 2,494 |
| Equity capital to assets | 8.5984% | 5,940 |
| Core capital (leverage) ratio | 9.2808% | 4,321 |
| Tier 1 risk-based capital ratio | 11.9001% | 4,900 |
| Total risk-based capital ratio | 13.1513% | 4,802 |
| Memoranda: | ||
| Average total assets | $91,841,600 | 5,298 |
| Average earning assets | $84,658,000 | 5,283 |
| Average equity | $8,166,400 | 6,017 |
| Average total loans | $63,019,200 | 5,142 |