Home > First National Bank of Hereford > Performance and Condition Ratios
First National Bank of Hereford, 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 | 6.6584% | 301 |
| Cost of funding earning assets | 1.6940% | 1,463 |
| Net interest margin | 4.9644% | 331 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 3.0319% | 1,080 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.9315% | 512 |
| Return on assets (ROA) | 1.9315% | 491 |
| Pretax return on assets | 1.9315% | 743 |
| Return on Equity (ROE) | 21.4200% | 506 |
| Retained earnings to average equity (ytd only) | 13.4909% | 452 |
| Net charge-offs to loans | -0.0044% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6264% | 3,125 |
| Assets per employee ($millions) | 5.3847% | 3,335 |
| Cash dividends to net income (ytd only)* | 37.0138% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,045 |
| Loan loss allowance to noncurrent loans | 100.5508% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 601 |
| Noncurrent loans to loans | 1.0495% | 705 |
| Net loans and leases to total assets | 79.4600% | 705 |
| Net loans and leases to deposits | 89.4803% | 1,308 |
| Net loans and leases to core deposits | 102.9755% | 1,277 |
| Total domestic deposits to total assets | 88.8000% | 1,121 |
| Equity capital to assets | 8.9912% | 2,679 |
| Core capital (leverage) ratio | 9.9604% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2831% | 2,501 |
| Memoranda: | ||
| Average total assets | $255,553,400 | 2,647 |
| Average earning assets | $227,982,000 | 2,698 |
| Average equity | $23,045,200 | 2,626 |
| Average total loans | $202,565,800 | 2,270 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4673% | 316 |
| Cost of funding earning assets | 1.5285% | 1,535 |
| Net interest margin | 4.9388% | 333 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.9719% | 1,109 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.9863% | 509 |
| Return on assets (ROA) | 1.9863% | 501 |
| Pretax return on assets | 1.9863% | 762 |
| Return on Equity (ROE) | 22.0100% | 557 |
| Retained earnings to average equity (ytd only) | 13.7639% | 704 |
| Net charge-offs to loans | -0.0014% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3307% | 3,164 |
| Assets per employee ($millions) | 5.2011% | 3,428 |
| Cash dividends to net income (ytd only)* | 37.4596% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,104 |
| Loan loss allowance to noncurrent loans | 54.6761% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 233 |
| Noncurrent loans to loans | 1.9260% | 327 |
| Net loans and leases to total assets | 80.6400% | 578 |
| Net loans and leases to deposits | 96.7028% | 702 |
| Net loans and leases to core deposits | 112.2379% | 786 |
| Total domestic deposits to total assets | 83.3900% | 2,931 |
| Equity capital to assets | 8.5312% | 2,709 |
| Core capital (leverage) ratio | 10.0236% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0661% | 2,590 |
| Memoranda: | ||
| Average total assets | $249,440,250 | 2,689 |
| Average earning assets | $222,694,750 | 2,738 |
| Average equity | $22,512,500 | 2,650 |
| Average total loans | $196,991,500 | 2,311 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2170% | 342 |
| Cost of funding earning assets | 1.2706% | 1,788 |
| Net interest margin | 4.9463% | 332 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.9575% | 1,113 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.0946% | 409 |
| Return on assets (ROA) | 2.0946% | 404 |
| Pretax return on assets | 2.0946% | 635 |
| Return on Equity (ROE) | 22.7500% | 500 |
| Retained earnings to average equity (ytd only) | 13.8227% | 707 |
| Net charge-offs to loans | 0.0011% | 2,379 |
| Credit loss provision to net charge-offs | 8,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 2,619.0000% | 49 |
| Efficiency ratio | 57.5919% | 3,245 |
| Assets per employee ($millions) | 4.8922% | 3,682 |
| Cash dividends to net income (ytd only)* | 39.2280% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 2,929 |
| Loan loss allowance to noncurrent loans | 50.7355% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.7166% | 186 |
| Noncurrent loans to loans | 2.1822% | 234 |
| Net loans and leases to total assets | 77.7900% | 857 |
| Net loans and leases to deposits | 89.0581% | 1,254 |
| Net loans and leases to core deposits | 102.2710% | 1,119 |
| Total domestic deposits to total assets | 87.3500% | 1,818 |
| Equity capital to assets | 9.2500% | 2,346 |
| Core capital (leverage) ratio | 10.5645% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9725% | 2,310 |
| Memoranda: | ||
| Average total assets | $242,435,333 | 2,731 |
| Average earning assets | $215,797,000 | 2,787 |
| Average equity | $22,325,667 | 2,672 |
| Average total loans | $189,186,333 | 2,358 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2734% | 230 |
| Cost of funding earning assets | 0.9805% | 2,111 |
| Net interest margin | 5.2930% | 202 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 3.0456% | 999 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.3441% | 303 |
| Return on assets (ROA) | 2.3441% | 301 |
| Pretax return on assets | 2.3441% | 446 |
| Return on Equity (ROE) | 25.5100% | 382 |
| Retained earnings to average equity (ytd only) | 16.2923% | 661 |
| Net charge-offs to loans | -0.0194% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.7160% | 3,433 |
| Assets per employee ($millions) | 4.9020% | 3,727 |
| Cash dividends to net income (ytd only)* | 36.1429% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,052 |
| Loan loss allowance to noncurrent loans | 6,896.7742% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,734 |
| Noncurrent loans to loans | 0.0160% | 3,686 |
| Net loans and leases to total assets | 78.4100% | 726 |
| Net loans and leases to deposits | 92.5697% | 882 |
| Net loans and leases to core deposits | 105.5657% | 854 |
| Total domestic deposits to total assets | 84.7100% | 2,927 |
| Equity capital to assets | 9.2444% | 2,318 |
| Core capital (leverage) ratio | 10.1489% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9541% | 2,409 |
| Memoranda: | ||
| Average total assets | $238,901,500 | 2,801 |
| Average earning assets | $212,961,500 | 2,839 |
| Average equity | $21,949,000 | 2,722 |
| Average total loans | $185,645,000 | 2,400 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 906 |
| Cost of funding earning assets | 0.2612% | 3,236 |
| Net interest margin | 4.1246% | 630 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.5888% | 1,857 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.8277% | 411 |
| Return on assets (ROA) | 1.8233% | 398 |
| Pretax return on assets | 1.8233% | 698 |
| Return on Equity (ROE) | 19.8800% | 494 |
| Retained earnings to average equity (ytd only) | 13.5879% | 442 |
| Net charge-offs to loans | -0.0083% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.7690% | 3,371 |
| Assets per employee ($millions) | 4.8366% | 3,790 |
| Cash dividends to net income (ytd only)* | 31.6659% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,471 |
| Loan loss allowance to noncurrent loans | 5,985.7143% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,708 |
| Noncurrent loans to loans | 0.0198% | 3,672 |
| Net loans and leases to total assets | 75.3200% | 1,085 |
| Net loans and leases to deposits | 86.8681% | 1,256 |
| Net loans and leases to core deposits | 95.6366% | 1,226 |
| Total domestic deposits to total assets | 86.7100% | 2,491 |
| Equity capital to assets | 9.1490% | 2,266 |
| Core capital (leverage) ratio | 10.4692% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4369% | 2,187 |
| Memoranda: | ||
| Average total assets | $225,853,400 | 2,869 |
| Average earning assets | $205,205,600 | 2,890 |
| Average equity | $20,709,600 | 2,884 |
| Average total loans | $156,821,600 | 2,565 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 1,390 |
| Cost of funding earning assets | 0.1864% | 3,437 |
| Net interest margin | 3.7518% | 1,030 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.5117% | 1,987 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5926% | 666 |
| Return on assets (ROA) | 1.5914% | 649 |
| Pretax return on assets | 1.5914% | 1,138 |
| Return on Equity (ROE) | 17.3500% | 736 |
| Retained earnings to average equity (ytd only) | 11.9548% | 803 |
| Net charge-offs to loans | -0.0132% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.1945% | 3,091 |
| Assets per employee ($millions) | 5.2227% | 3,481 |
| Cash dividends to net income (ytd only)* | 31.0796% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 1,974 |
| Loan loss allowance to noncurrent loans | 4,830.2326% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,766 |
| Noncurrent loans to loans | 0.0272% | 3,708 |
| Net loans and leases to total assets | 66.4300% | 1,845 |
| Net loans and leases to deposits | 76.3748% | 1,847 |
| Net loans and leases to core deposits | 83.7466% | 1,672 |
| Total domestic deposits to total assets | 86.9700% | 2,775 |
| Equity capital to assets | 8.4783% | 2,559 |
| Core capital (leverage) ratio | 10.0978% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4038% | 1,902 |
| Memoranda: | ||
| Average total assets | $224,277,750 | 2,894 |
| Average earning assets | $205,262,750 | 2,914 |
| Average equity | $20,577,000 | 2,941 |
| Average total loans | $151,787,750 | 2,620 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 1,696 |
| Cost of funding earning assets | 0.1718% | 3,293 |
| Net interest margin | 3.4745% | 1,384 |
| Noninterest income to average assets | 0.7467% | 1,180 |
| Noninterest expense to average assets | 2.5266% | 1,845 |
| Loan and lease loss provision to assets | 0.0544% | 1,602 |
| Net operating income to assets | 1.3548% | 1,011 |
| Return on assets (ROA) | 1.3530% | 998 |
| Pretax return on assets | 1.3530% | 1,576 |
| Return on Equity (ROE) | 14.3599% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.7237% | 1,367 |
| Net charge-offs to loans | -0.0094% | 3,568 |
| Credit loss provision to net charge-offs | -857.1429% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9880% | 2,775 |
| Assets per employee ($millions) | 5.1171% | 3,581 |
| Cash dividends to net income (ytd only)* | 39.2498% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,217 |
| Loan loss allowance to noncurrent loans | 1,477.5362% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,352 |
| Noncurrent loans to loans | 0.0876% | 3,339 |
| Net loans and leases to total assets | 70.7095% | 1,232 |
| Net loans and leases to deposits | 81.2068% | 1,299 |
| Net loans and leases to core deposits | 89.4712% | 1,150 |
| Total domestic deposits to total assets | 87.0734% | 2,912 |
| Equity capital to assets | 9.0886% | 2,329 |
| Core capital (leverage) ratio | 10.2477% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9874% | 2,063 |
| Memoranda: | ||
| Average total assets | $220,696,000 | 2,940 |
| Average earning assets | $202,560,333 | 2,974 |
| Average equity | $20,794,000 | 2,987 |
| Average total loans | $149,652,333 | 2,647 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 2,050 |
| Cost of funding earning assets | 0.1673% | 3,260 |
| Net interest margin | 3.2452% | 1,738 |
| Noninterest income to average assets | 0.7655% | 1,133 |
| Noninterest expense to average assets | 2.5572% | 1,727 |
| Loan and lease loss provision to assets | 0.0543% | 1,409 |
| Net operating income to assets | 1.1383% | 1,410 |
| Return on assets (ROA) | 1.1347% | 1,419 |
| Pretax return on assets | 1.1347% | 2,037 |
| Return on Equity (ROE) | 11.8347% | 1,372 |
| Retained earnings to average equity (ytd only) | 4.9075% | 2,621 |
| Net charge-offs to loans | -0.0110% | 3,623 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0502% | 2,500 |
| Assets per employee ($millions) | 4.9693% | 3,777 |
| Cash dividends to net income (ytd only)* | 58.5327% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,892 |
| Loan loss allowance to noncurrent loans | 3,647.2727% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,789 |
| Noncurrent loans to loans | 0.0385% | 3,701 |
| Net loans and leases to total assets | 65.9864% | 1,410 |
| Net loans and leases to deposits | 76.4652% | 1,403 |
| Net loans and leases to core deposits | 84.5817% | 1,217 |
| Total domestic deposits to total assets | 86.2960% | 3,164 |
| Equity capital to assets | 9.6503% | 2,178 |
| Core capital (leverage) ratio | 10.1331% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9116% | 1,829 |
| Memoranda: | ||
| Average total assets | $221,027,000 | 2,955 |
| Average earning assets | $203,256,500 | 2,984 |
| Average equity | $21,192,000 | 3,042 |
| Average total loans | $145,666,500 | 2,683 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 1,396 |
| Cost of funding earning assets | 0.1940% | 3,537 |
| Net interest margin | 3.7896% | 1,034 |
| Noninterest income to average assets | 0.8634% | 1,297 |
| Noninterest expense to average assets | 2.5826% | 1,915 |
| Loan and lease loss provision to assets | 0.0449% | 2,159 |
| Net operating income to assets | 1.6687% | 682 |
| Return on assets (ROA) | 1.6663% | 715 |
| Pretax return on assets | 1.6663% | 1,228 |
| Return on Equity (ROE) | 17.1849% | 561 |
| Retained earnings to average equity (ytd only) | 11.8025% | 558 |
| Net charge-offs to loans | -0.0844% | 4,530 |
| Credit loss provision to net charge-offs | -79.1667% | 3,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8285% | 3,177 |
| Assets per employee ($millions) | 5.5497% | 3,215 |
| Cash dividends to net income (ytd only)* | 31.3209% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,214 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 3,872 |
| Noncurrent loans to loans | 0.0392% | 3,796 |
| Net loans and leases to total assets | 64.0967% | 1,690 |
| Net loans and leases to deposits | 74.4730% | 1,689 |
| Net loans and leases to core deposits | 81.8705% | 1,470 |
| Total domestic deposits to total assets | 86.0670% | 2,874 |
| Equity capital to assets | 9.5645% | 3,085 |
| Core capital (leverage) ratio | 9.9189% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0109% | 2,246 |
| Memoranda: | ||
| Average total assets | $211,720,800 | 2,971 |
| Average earning assets | $191,789,000 | 3,014 |
| Average equity | $20,529,600 | 3,169 |
| Average total loans | $142,191,400 | 2,703 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 1,492 |
| Cost of funding earning assets | 0.2030% | 3,576 |
| Net interest margin | 3.8173% | 1,083 |
| Noninterest income to average assets | 0.7791% | 1,589 |
| Noninterest expense to average assets | 2.5862% | 1,882 |
| Loan and lease loss provision to assets | 0.0419% | 2,159 |
| Net operating income to assets | 1.5909% | 1,057 |
| Return on assets (ROA) | 1.5889% | 1,105 |
| Pretax return on assets | 1.5889% | 1,743 |
| Return on Equity (ROE) | 16.3257% | 883 |
| Retained earnings to average equity (ytd only) | 11.2618% | 999 |
| Net charge-offs to loans | -0.1184% | 4,670 |
| Credit loss provision to net charge-offs | -52.0000% | 3,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0131% | 2,830 |
| Assets per employee ($millions) | 5.2867% | 3,419 |
| Cash dividends to net income (ytd only)* | 31.0178% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 2,204 |
| Loan loss allowance to noncurrent loans | 1,063.9344% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,521 |
| Noncurrent loans to loans | 0.1272% | 3,469 |
| Net loans and leases to total assets | 67.1139% | 1,417 |
| Net loans and leases to deposits | 79.1714% | 1,365 |
| Net loans and leases to core deposits | 87.8336% | 1,162 |
| Total domestic deposits to total assets | 84.7703% | 3,189 |
| Equity capital to assets | 9.9878% | 2,913 |
| Core capital (leverage) ratio | 10.0228% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2925% | 2,264 |
| Memoranda: | ||
| Average total assets | $207,766,250 | 3,035 |
| Average earning assets | $187,214,750 | 3,088 |
| Average equity | $20,221,250 | 3,227 |
| Average total loans | $140,785,000 | 2,757 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 1,792 |
| Cost of funding earning assets | 0.2138% | 3,615 |
| Net interest margin | 3.6937% | 1,367 |
| Noninterest income to average assets | 0.7757% | 1,594 |
| Noninterest expense to average assets | 2.5875% | 1,893 |
| Loan and lease loss provision to assets | 0.0339% | 2,306 |
| Net operating income to assets | 1.4661% | 1,385 |
| Return on assets (ROA) | 1.4632% | 1,452 |
| Pretax return on assets | 1.4632% | 2,127 |
| Return on Equity (ROE) | 15.1697% | 1,117 |
| Retained earnings to average equity (ytd only) | 10.5917% | 1,220 |
| Net charge-offs to loans | -0.0687% | 4,497 |
| Credit loss provision to net charge-offs | -72.9167% | 3,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9946% | 2,575 |
| Assets per employee ($millions) | 5.0475% | 3,621 |
| Cash dividends to net income (ytd only)* | 30.1787% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,396 |
| Loan loss allowance to noncurrent loans | 329.7491% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 2,546 |
| Noncurrent loans to loans | 0.3965% | 2,483 |
| Net loans and leases to total assets | 68.7958% | 1,354 |
| Net loans and leases to deposits | 81.7437% | 1,255 |
| Net loans and leases to core deposits | 90.8388% | 1,078 |
| Total domestic deposits to total assets | 84.1604% | 3,377 |
| Equity capital to assets | 10.1486% | 2,724 |
| Core capital (leverage) ratio | 9.6447% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1396% | 2,669 |
| Memoranda: | ||
| Average total assets | $206,532,000 | 3,047 |
| Average earning assets | $185,178,000 | 3,101 |
| Average equity | $19,921,333 | 3,250 |
| Average total loans | $139,756,000 | 2,784 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 2,631 |
| Cost of funding earning assets | 0.2247% | 3,683 |
| Net interest margin | 3.3786% | 2,164 |
| Noninterest income to average assets | 0.6550% | 2,011 |
| Noninterest expense to average assets | 2.4918% | 2,196 |
| Loan and lease loss provision to assets | 0.0287% | 2,409 |
| Net operating income to assets | 1.1875% | 2,200 |
| Return on assets (ROA) | 1.1875% | 2,270 |
| Pretax return on assets | 1.1875% | 2,879 |
| Return on Equity (ROE) | 12.6292% | 1,776 |
| Retained earnings to average equity (ytd only) | 7.7405% | 2,339 |
| Net charge-offs to loans | -0.1379% | 4,716 |
| Credit loss provision to net charge-offs | -31.2500% | 2,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8388% | 2,106 |
| Assets per employee ($millions) | 5.4227% | 3,192 |
| Cash dividends to net income (ytd only)* | 38.7097% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 2,393 |
| Loan loss allowance to noncurrent loans | 1,205.2980% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,864 |
| Noncurrent loans to loans | 0.1087% | 3,765 |
| Net loans and leases to total assets | 64.8030% | 1,941 |
| Net loans and leases to deposits | 75.0759% | 2,014 |
| Net loans and leases to core deposits | 83.0458% | 1,749 |
| Total domestic deposits to total assets | 86.3167% | 2,618 |
| Equity capital to assets | 9.3284% | 3,358 |
| Core capital (leverage) ratio | 9.3175% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6579% | 2,777 |
| Memoranda: | ||
| Average total assets | $208,848,500 | 3,014 |
| Average earning assets | $188,718,500 | 3,065 |
| Average equity | $19,637,000 | 3,273 |
| Average total loans | $139,265,000 | 2,794 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 1,738 |
| Cost of funding earning assets | 0.3964% | 3,602 |
| Net interest margin | 3.9465% | 1,099 |
| Noninterest income to average assets | 0.7413% | 1,716 |
| Noninterest expense to average assets | 2.7516% | 2,074 |
| Loan and lease loss provision to assets | 0.0378% | 3,940 |
| Net operating income to assets | 1.4852% | 845 |
| Return on assets (ROA) | 1.4820% | 924 |
| Pretax return on assets | 1.4820% | 1,404 |
| Return on Equity (ROE) | 15.0562% | 638 |
| Retained earnings to average equity (ytd only) | 10.0392% | 577 |
| Net charge-offs to loans | -0.0880% | 4,783 |
| Credit loss provision to net charge-offs | -60.1695% | 3,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0732% | 2,809 |
| Assets per employee ($millions) | 5.2875% | 3,062 |
| Cash dividends to net income (ytd only)* | 33.3214% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,628 |
| Loan loss allowance to noncurrent loans | 1,045.8333% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 2,736 |
| Noncurrent loans to loans | 0.1203% | 3,804 |
| Net loans and leases to total assets | 66.8750% | 1,969 |
| Net loans and leases to deposits | 79.0744% | 1,970 |
| Net loans and leases to core deposits | 87.3170% | 1,762 |
| Total domestic deposits to total assets | 84.5723% | 2,921 |
| Equity capital to assets | 9.4785% | 3,640 |
| Core capital (leverage) ratio | 9.1852% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2408% | 2,855 |
| Memoranda: | ||
| Average total assets | $187,924,600 | 3,039 |
| Average earning assets | $168,251,600 | 3,088 |
| Average equity | $18,497,400 | 3,325 |
| Average total loans | $134,146,200 | 2,812 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,610 |
| Cost of funding earning assets | 0.4429% | 3,565 |
| Net interest margin | 4.0421% | 1,031 |
| Noninterest income to average assets | 0.7352% | 1,685 |
| Noninterest expense to average assets | 2.8084% | 1,946 |
| Loan and lease loss provision to assets | 0.0409% | 3,837 |
| Net operating income to assets | 1.4834% | 936 |
| Return on assets (ROA) | 1.4798% | 1,030 |
| Pretax return on assets | 1.4798% | 1,489 |
| Return on Equity (ROE) | 14.8792% | 713 |
| Retained earnings to average equity (ytd only) | 10.3752% | 693 |
| Net charge-offs to loans | -0.1356% | 4,872 |
| Credit loss provision to net charge-offs | -41.4815% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5183% | 2,658 |
| Assets per employee ($millions) | 4.7571% | 3,529 |
| Cash dividends to net income (ytd only)* | 30.2703% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,243 |
| Loan loss allowance to noncurrent loans | 1,022.6744% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 2,706 |
| Noncurrent loans to loans | 0.1252% | 3,880 |
| Net loans and leases to total assets | 69.5175% | 2,024 |
| Net loans and leases to deposits | 82.1756% | 2,080 |
| Net loans and leases to core deposits | 90.5696% | 1,922 |
| Total domestic deposits to total assets | 84.5962% | 2,595 |
| Equity capital to assets | 9.7748% | 3,455 |
| Core capital (leverage) ratio | 9.5026% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3497% | 2,826 |
| Memoranda: | ||
| Average total assets | $183,352,500 | 3,064 |
| Average earning assets | $163,176,750 | 3,125 |
| Average equity | $18,235,250 | 3,347 |
| Average total loans | $132,767,250 | 2,844 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 2,085 |
| Cost of funding earning assets | 0.4810% | 3,649 |
| Net interest margin | 3.9649% | 1,413 |
| Noninterest income to average assets | 0.7244% | 1,655 |
| Noninterest expense to average assets | 2.8798% | 1,880 |
| Loan and lease loss provision to assets | 0.0457% | 3,725 |
| Net operating income to assets | 1.3452% | 1,235 |
| Return on assets (ROA) | 1.3396% | 1,347 |
| Pretax return on assets | 1.3396% | 1,906 |
| Return on Equity (ROE) | 13.3863% | 1,010 |
| Retained earnings to average equity (ytd only) | 8.8759% | 1,041 |
| Net charge-offs to loans | -0.2042% | 4,943 |
| Credit loss provision to net charge-offs | -30.5970% | 3,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1451% | 2,360 |
| Assets per employee ($millions) | 4.6669% | 3,570 |
| Cash dividends to net income (ytd only)* | 33.6938% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,303 |
| Loan loss allowance to noncurrent loans | 640.8088% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 2,624 |
| Noncurrent loans to loans | 0.1936% | 3,684 |
| Net loans and leases to total assets | 72.5152% | 1,623 |
| Net loans and leases to deposits | 90.5296% | 1,306 |
| Net loans and leases to core deposits | 100.9333% | 1,191 |
| Total domestic deposits to total assets | 80.1011% | 3,816 |
| Equity capital to assets | 9.6654% | 3,512 |
| Core capital (leverage) ratio | 9.5107% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9307% | 2,987 |
| Memoranda: | ||
| Average total assets | $179,455,667 | 3,079 |
| Average earning assets | $160,507,333 | 3,126 |
| Average equity | $17,958,667 | 3,367 |
| Average total loans | $131,240,333 | 2,852 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 1,798 |
| Cost of funding earning assets | 0.5228% | 3,834 |
| Net interest margin | 4.1488% | 1,025 |
| Noninterest income to average assets | 0.7838% | 1,357 |
| Noninterest expense to average assets | 3.0153% | 1,852 |
| Loan and lease loss provision to assets | 0.0830% | 2,656 |
| Net operating income to assets | 1.3993% | 981 |
| Return on assets (ROA) | 1.3901% | 1,087 |
| Pretax return on assets | 1.3901% | 1,591 |
| Return on Equity (ROE) | 13.6341% | 773 |
| Retained earnings to average equity (ytd only) | 9.2476% | 909 |
| Net charge-offs to loans | -0.1580% | 4,907 |
| Credit loss provision to net charge-offs | -72.0000% | 3,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7863% | 2,847 |
| Assets per employee ($millions) | 4.8703% | 2,790 |
| Cash dividends to net income (ytd only)* | 32.1725% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,248 |
| Loan loss allowance to noncurrent loans | 229.4036% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 1,784 |
| Noncurrent loans to loans | 0.5567% | 2,607 |
| Net loans and leases to total assets | 75.0100% | 1,459 |
| Net loans and leases to deposits | 91.4064% | 1,352 |
| Net loans and leases to core deposits | 102.2839% | 1,300 |
| Total domestic deposits to total assets | 82.0621% | 3,404 |
| Equity capital to assets | 10.4975% | 3,324 |
| Core capital (leverage) ratio | 9.8575% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5669% | 2,451 |
| Memoranda: | ||
| Average total assets | $173,512,500 | 3,102 |
| Average earning assets | $155,323,000 | 3,142 |
| Average equity | $17,691,000 | 3,403 |
| Average total loans | $126,613,000 | 2,878 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 1,776 |
| Cost of funding earning assets | 0.4787% | 4,171 |
| Net interest margin | 4.4132% | 873 |
| Noninterest income to average assets | 0.9869% | 998 |
| Noninterest expense to average assets | 3.1007% | 1,757 |
| Loan and lease loss provision to assets | 0.1974% | 1,031 |
| Net operating income to assets | 1.5874% | 862 |
| Return on assets (ROA) | 1.5748% | 944 |
| Pretax return on assets | 1.5748% | 1,566 |
| Return on Equity (ROE) | 15.8775% | 556 |
| Retained earnings to average equity (ytd only) | 9.9739% | 495 |
| Net charge-offs to loans | 0.0682% | 2,114 |
| Credit loss provision to net charge-offs | 434.2105% | 659 |
| Earnings coverage of net charge-offs (x) | 39.2632% | 1,329 |
| Efficiency ratio | 62.8061% | 3,248 |
| Assets per employee ($millions) | 5.0447% | 2,538 |
| Cash dividends to net income (ytd only)* | 37.1819% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,076 |
| Loan loss allowance to noncurrent loans | 160.3272% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 1,456 |
| Noncurrent loans to loans | 0.7906% | 1,927 |
| Net loans and leases to total assets | 69.1768% | 2,518 |
| Net loans and leases to deposits | 82.9290% | 2,451 |
| Net loans and leases to core deposits | 91.7609% | 2,254 |
| Total domestic deposits to total assets | 83.4169% | 3,057 |
| Equity capital to assets | 9.9046% | 4,005 |
| Core capital (leverage) ratio | 9.6551% | 3,896 |
| Tier 1 risk-based capital ratio | 11.5271% | 4,615 |
| Total risk-based capital ratio | 12.6127% | 4,582 |
| Memoranda: | ||
| Average total assets | $167,190,600 | 3,132 |
| Average earning assets | $147,694,400 | 3,195 |
| Average equity | $16,583,200 | 3,487 |
| Average total loans | $111,512,400 | 3,061 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 1,593 |
| Cost of funding earning assets | 0.4658% | 4,283 |
| Net interest margin | 4.5135% | 748 |
| Noninterest income to average assets | 1.0523% | 833 |
| Noninterest expense to average assets | 3.1463% | 1,589 |
| Loan and lease loss provision to assets | 0.1860% | 967 |
| Net operating income to assets | 1.6936% | 755 |
| Return on assets (ROA) | 1.6767% | 822 |
| Pretax return on assets | 1.6767% | 1,401 |
| Return on Equity (ROE) | 16.8975% | 490 |
| Retained earnings to average equity (ytd only) | 10.8086% | 565 |
| Net charge-offs to loans | -0.0602% | 4,880 |
| Credit loss provision to net charge-offs | -469.3878% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7959% | 3,351 |
| Assets per employee ($millions) | 4.9348% | 2,630 |
| Cash dividends to net income (ytd only)* | 36.0349% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,484 |
| Loan loss allowance to noncurrent loans | 92.8863% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3619% | 863 |
| Noncurrent loans to loans | 1.5345% | 980 |
| Net loans and leases to total assets | 65.6614% | 3,091 |
| Net loans and leases to deposits | 76.9367% | 3,206 |
| Net loans and leases to core deposits | 84.9419% | 3,001 |
| Total domestic deposits to total assets | 85.3447% | 2,277 |
| Equity capital to assets | 10.2359% | 3,786 |
| Core capital (leverage) ratio | 10.3528% | 3,248 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,233 |
| Total risk-based capital ratio | 13.5495% | 4,138 |
| Memoranda: | ||
| Average total assets | $164,847,000 | 3,185 |
| Average earning assets | $145,130,250 | 3,252 |
| Average equity | $16,357,000 | 3,536 |
| Average total loans | $108,463,000 | 3,144 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 1,595 |
| Cost of funding earning assets | 0.4474% | 4,333 |
| Net interest margin | 4.5098% | 755 |
| Noninterest income to average assets | 1.1155% | 683 |
| Noninterest expense to average assets | 3.1245% | 1,669 |
| Loan and lease loss provision to assets | 0.2441% | 636 |
| Net operating income to assets | 1.7331% | 680 |
| Return on assets (ROA) | 1.7160% | 734 |
| Pretax return on assets | 1.7160% | 1,241 |
| Return on Equity (ROE) | 17.4825% | 409 |
| Retained earnings to average equity (ytd only) | 11.5514% | 471 |
| Net charge-offs to loans | -0.0913% | 4,987 |
| Credit loss provision to net charge-offs | -408.1633% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1435% | 3,704 |
| Assets per employee ($millions) | 3.6926% | 4,254 |
| Cash dividends to net income (ytd only)* | 33.9260% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,528 |
| Loan loss allowance to noncurrent loans | 112.2845% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 1,092 |
| Noncurrent loans to loans | 1.2644% | 1,256 |
| Net loans and leases to total assets | 66.7959% | 3,005 |
| Net loans and leases to deposits | 77.9770% | 3,152 |
| Net loans and leases to core deposits | 86.2550% | 2,941 |
| Total domestic deposits to total assets | 85.6611% | 2,194 |
| Equity capital to assets | 10.3327% | 3,663 |
| Core capital (leverage) ratio | 10.1600% | 3,430 |
| Tier 1 risk-based capital ratio | 12.7475% | 3,980 |
| Total risk-based capital ratio | 13.9972% | 3,883 |
| Memoranda: | ||
| Average total assets | $163,868,670 | 3,209 |
| Average earning assets | $144,841,000 | 3,274 |
| Average equity | $16,084,670 | 3,568 |
| Average total loans | $107,363,670 | 3,176 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 1,195 |
| Cost of funding earning assets | 0.4274% | 4,372 |
| Net interest margin | 4.6320% | 570 |
| Noninterest income to average assets | 0.9795% | 857 |
| Noninterest expense to average assets | 3.1088% | 1,714 |
| Loan and lease loss provision to assets | 0.4132% | 276 |
| Net operating income to assets | 1.5410% | 1,028 |
| Return on assets (ROA) | 1.5313% | 1,072 |
| Pretax return on assets | 1.5313% | 1,676 |
| Return on Equity (ROE) | 16.0173% | 590 |
| Retained earnings to average equity (ytd only) | 9.4833% | 1,170 |
| Net charge-offs to loans | -0.0981% | 5,028 |
| Credit loss provision to net charge-offs | -653.8462% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3375% | 3,901 |
| Assets per employee ($millions) | 3.8105% | 4,175 |
| Cash dividends to net income (ytd only)* | 40.7937% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,580 |
| Loan loss allowance to noncurrent loans | 360.3819% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 1,865 |
| Noncurrent loans to loans | 0.3962% | 3,170 |
| Net loans and leases to total assets | 65.1308% | 3,159 |
| Net loans and leases to deposits | 75.2530% | 3,329 |
| Net loans and leases to core deposits | 84.7082% | 2,968 |
| Total domestic deposits to total assets | 86.5491% | 2,040 |
| Equity capital to assets | 9.9937% | 3,835 |
| Core capital (leverage) ratio | 9.5980% | 4,024 |
| Tier 1 risk-based capital ratio | 12.7798% | 3,991 |
| Total risk-based capital ratio | 14.0302% | 3,892 |
| Memoranda: | ||
| Average total assets | $164,566,000 | 3,241 |
| Average earning assets | $145,077,500 | 3,312 |
| Average equity | $15,733,000 | 3,611 |
| Average total loans | $106,001,000 | 3,226 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 2,096 |
| Cost of funding earning assets | 0.3437% | 4,323 |
| Net interest margin | 4.2724% | 1,218 |
| Noninterest income to average assets | 0.7115% | 1,807 |
| Noninterest expense to average assets | 2.8892% | 2,394 |
| Loan and lease loss provision to assets | 0.1568% | 1,327 |
| Net operating income to assets | 1.4953% | 1,134 |
| Return on assets (ROA) | 1.4844% | 1,147 |
| Pretax return on assets | 1.4844% | 1,831 |
| Return on Equity (ROE) | 16.2106% | 587 |
| Retained earnings to average equity (ytd only) | 5.4123% | 2,528 |
| Net charge-offs to loans | 0.2660% | 726 |
| Credit loss provision to net charge-offs | 96.6543% | 2,615 |
| Earnings coverage of net charge-offs (x) | 10.1859% | 2,749 |
| Efficiency ratio | 63.6219% | 3,244 |
| Assets per employee ($millions) | 5.2841% | 2,169 |
| Cash dividends to net income (ytd only)* | 66.6125% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,370 |
| Loan loss allowance to noncurrent loans | 310.6383% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 1,935 |
| Noncurrent loans to loans | 0.3981% | 3,101 |
| Net loans and leases to total assets | 62.0624% | 3,558 |
| Net loans and leases to deposits | 70.5706% | 3,788 |
| Net loans and leases to core deposits | 79.6034% | 3,457 |
| Total domestic deposits to total assets | 87.9438% | 1,318 |
| Equity capital to assets | 9.1501% | 4,449 |
| Core capital (leverage) ratio | 9.1085% | 4,552 |
| Tier 1 risk-based capital ratio | 12.3560% | 4,210 |
| Total risk-based capital ratio | 13.4426% | 4,180 |
| Memoranda: | ||
| Average total assets | $165,857,200 | 3,210 |
| Average earning assets | $148,676,200 | 3,261 |
| Average equity | $15,187,600 | 3,614 |
| Average total loans | $101,146,200 | 3,273 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 2,226 |
| Cost of funding earning assets | 0.3272% | 4,329 |
| Net interest margin | 4.1939% | 1,372 |
| Noninterest income to average assets | 0.6051% | 2,279 |
| Noninterest expense to average assets | 2.7894% | 2,671 |
| Loan and lease loss provision to assets | 0.1858% | 972 |
| Net operating income to assets | 1.4097% | 1,454 |
| Return on assets (ROA) | 1.3959% | 1,505 |
| Pretax return on assets | 1.3959% | 2,243 |
| Return on Equity (ROE) | 15.2412% | 831 |
| Retained earnings to average equity (ytd only) | 7.2414% | 2,005 |
| Net charge-offs to loans | 0.3591% | 452 |
| Credit loss provision to net charge-offs | 85.5019% | 2,464 |
| Earnings coverage of net charge-offs (x) | 7.3420% | 2,818 |
| Efficiency ratio | 63.6146% | 3,249 |
| Assets per employee ($millions) | 5.1824% | 2,241 |
| Cash dividends to net income (ytd only)* | 52.4883% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,548 |
| Loan loss allowance to noncurrent loans | 280.3493% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 1,973 |
| Noncurrent loans to loans | 0.4327% | 3,107 |
| Net loans and leases to total assets | 63.0453% | 3,539 |
| Net loans and leases to deposits | 72.0991% | 3,760 |
| Net loans and leases to core deposits | 82.7454% | 3,275 |
| Total domestic deposits to total assets | 87.4426% | 1,521 |
| Equity capital to assets | 9.2174% | 4,354 |
| Core capital (leverage) ratio | 9.6844% | 3,959 |
| Tier 1 risk-based capital ratio | 12.7352% | 4,060 |
| Total risk-based capital ratio | 13.8184% | 4,057 |
| Memoranda: | ||
| Average total assets | $165,048,750 | 3,244 |
| Average earning assets | $148,753,750 | 3,286 |
| Average equity | $15,116,500 | 3,647 |
| Average total loans | $99,868,750 | 3,327 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 2,372 |
| Cost of funding earning assets | 0.3174% | 4,290 |
| Net interest margin | 4.0959% | 1,574 |
| Noninterest income to average assets | 0.6542% | 2,073 |
| Noninterest expense to average assets | 2.8583% | 2,472 |
| Loan and lease loss provision to assets | 0.1517% | 1,252 |
| Net operating income to assets | 1.3254% | 1,684 |
| Return on assets (ROA) | 1.3181% | 1,703 |
| Pretax return on assets | 1.3181% | 2,438 |
| Return on Equity (ROE) | 14.4223% | 980 |
| Retained earnings to average equity (ytd only) | 8.6189% | 1,352 |
| Net charge-offs to loans | 0.6171% | 237 |
| Credit loss provision to net charge-offs | 41.3907% | 2,552 |
| Earnings coverage of net charge-offs (x) | 4.0298% | 2,828 |
| Efficiency ratio | 65.9295% | 2,996 |
| Assets per employee ($millions) | 5.0496% | 2,352 |
| Cash dividends to net income (ytd only)* | 40.2394% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,941 |
| Loan loss allowance to noncurrent loans | 199.3043% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 1,633 |
| Noncurrent loans to loans | 0.5808% | 2,680 |
| Net loans and leases to total assets | 60.5566% | 3,757 |
| Net loans and leases to deposits | 67.2973% | 4,072 |
| Net loans and leases to core deposits | 76.9420% | 3,666 |
| Total domestic deposits to total assets | 89.9837% | 583 |
| Equity capital to assets | 9.4327% | 4,164 |
| Core capital (leverage) ratio | 9.4553% | 4,169 |
| Tier 1 risk-based capital ratio | 13.4043% | 3,670 |
| Total risk-based capital ratio | 14.4368% | 3,714 |
| Memoranda: | ||
| Average total assets | $164,785,670 | 3,267 |
| Average earning assets | $148,100,000 | 3,313 |
| Average equity | $15,060,000 | 3,675 |
| Average total loans | $97,879,330 | 3,377 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,419 |
| Cost of funding earning assets | 0.3058% | 4,311 |
| Net interest margin | 4.0236% | 1,646 |
| Noninterest income to average assets | 0.8102% | 1,419 |
| Noninterest expense to average assets | 3.0003% | 2,060 |
| Loan and lease loss provision to assets | 0.2284% | 684 |
| Net operating income to assets | 1.1876% | 2,063 |
| Return on assets (ROA) | 1.1732% | 2,131 |
| Pretax return on assets | 1.1732% | 2,877 |
| Return on Equity (ROE) | 13.0403% | 1,250 |
| Retained earnings to average equity (ytd only) | 13.0403% | 515 |
| Net charge-offs to loans | 1.2413% | 116 |
| Credit loss provision to net charge-offs | 31.4570% | 2,054 |
| Earnings coverage of net charge-offs (x) | 1.9503% | 2,502 |
| Efficiency ratio | 67.9369% | 2,839 |
| Assets per employee ($millions) | 5.0123% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,849 |
| Loan loss allowance to noncurrent loans | 186.9347% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 1,498 |
| Noncurrent loans to loans | 0.6381% | 2,629 |
| Net loans and leases to total assets | 57.6344% | 3,977 |
| Net loans and leases to deposits | 63.9929% | 4,211 |
| Net loans and leases to core deposits | 71.8859% | 3,972 |
| Total domestic deposits to total assets | 90.0637% | 636 |
| Equity capital to assets | 9.4200% | 4,160 |
| Core capital (leverage) ratio | 9.3278% | 4,284 |
| Tier 1 risk-based capital ratio | 13.4004% | 3,719 |
| Total risk-based capital ratio | 14.4180% | 3,769 |
| Memoranda: | ||
| Average total assets | $166,385,500 | 3,290 |
| Average earning assets | $149,120,500 | 3,342 |
| Average equity | $14,969,000 | 3,713 |
| Average total loans | $97,320,500 | 3,407 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 2,461 |
| Cost of funding earning assets | 0.3174% | 3,980 |
| Net interest margin | 3.9436% | 1,942 |
| Noninterest income to average assets | 0.5166% | 2,898 |
| Noninterest expense to average assets | 2.6434% | 3,304 |
| Loan and lease loss provision to assets | 2.0166% | 35 |
| Net operating income to assets | -0.6716% | 5,558 |
| Return on assets (ROA) | -0.6741% | 5,557 |
| Pretax return on assets | -0.6741% | 5,570 |
| Return on Equity (ROE) | -7.3737% | 5,569 |
| Retained earnings to average equity (ytd only) | -7.3737% | 5,489 |
| Net charge-offs to loans | 3.9571% | 24 |
| Credit loss provision to net charge-offs | 80.4569% | 2,936 |
| Earnings coverage of net charge-offs (x) | 0.5366% | 3,987 |
| Efficiency ratio | 66.2765% | 3,211 |
| Assets per employee ($millions) | 5.5606% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 2,171 |
| Loan loss allowance to noncurrent loans | 74.7880% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 1,090 |
| Noncurrent loans to loans | 1.7500% | 921 |
| Net loans and leases to total assets | 57.8731% | 4,018 |
| Net loans and leases to deposits | 63.6414% | 4,336 |
| Net loans and leases to core deposits | 71.1313% | 4,103 |
| Total domestic deposits to total assets | 90.9363% | 255 |
| Equity capital to assets | 8.6026% | 5,036 |
| Core capital (leverage) ratio | 8.6406% | 5,001 |
| Tier 1 risk-based capital ratio | 11.8618% | 4,621 |
| Total risk-based capital ratio | 12.9591% | 4,596 |
| Memoranda: | ||
| Average total assets | $160,662,600 | 3,340 |
| Average earning assets | $141,442,600 | 3,430 |
| Average equity | $14,687,400 | 3,758 |
| Average total loans | $101,766,400 | 3,318 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 2,408 |
| Cost of funding earning assets | 0.3208% | 3,929 |
| Net interest margin | 3.9352% | 1,913 |
| Noninterest income to average assets | 0.5334% | 2,818 |
| Noninterest expense to average assets | 2.6280% | 3,326 |
| Loan and lease loss provision to assets | 1.5596% | 55 |
| Net operating income to assets | -0.2012% | 5,578 |
| Return on assets (ROA) | -0.2020% | 5,583 |
| Pretax return on assets | -0.2020% | 5,578 |
| Return on Equity (ROE) | -2.1749% | 5,589 |
| Retained earnings to average equity (ytd only) | -2.1749% | 5,439 |
| Net charge-offs to loans | 2.4367% | 58 |
| Credit loss provision to net charge-offs | 99.0338% | 2,330 |
| Earnings coverage of net charge-offs (x) | 0.8626% | 3,621 |
| Efficiency ratio | 65.9245% | 3,224 |
| Assets per employee ($millions) | 5.2442% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 648 |
| Loan loss allowance to noncurrent loans | 51.5405% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.9562% | 306 |
| Noncurrent loans to loans | 3.7646% | 279 |
| Net loans and leases to total assets | 65.0036% | 3,245 |
| Net loans and leases to deposits | 71.9307% | 3,781 |
| Net loans and leases to core deposits | 80.8726% | 3,384 |
| Total domestic deposits to total assets | 90.3697% | 359 |
| Equity capital to assets | 9.0773% | 4,840 |
| Core capital (leverage) ratio | 9.3069% | 4,400 |
| Tier 1 risk-based capital ratio | 11.2464% | 5,108 |
| Total risk-based capital ratio | 12.5010% | 5,003 |
| Memoranda: | ||
| Average total assets | $157,733,500 | 3,404 |
| Average earning assets | $138,406,250 | 3,500 |
| Average equity | $14,652,000 | 3,796 |
| Average total loans | $101,937,000 | 3,349 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,437 |
| Cost of funding earning assets | 0.3260% | 3,838 |
| Net interest margin | 3.8828% | 1,994 |
| Noninterest income to average assets | 0.4996% | 3,031 |
| Noninterest expense to average assets | 2.6825% | 3,151 |
| Loan and lease loss provision to assets | 1.6974% | 53 |
| Net operating income to assets | -0.4932% | 5,680 |
| Return on assets (ROA) | -0.4945% | 5,678 |
| Pretax return on assets | -0.4945% | 5,667 |
| Return on Equity (ROE) | -5.2815% | 5,687 |
| Retained earnings to average equity (ytd only) | -5.2815% | 5,544 |
| Net charge-offs to loans | 3.0922% | 45 |
| Credit loss provision to net charge-offs | 85.7050% | 2,203 |
| Earnings coverage of net charge-offs (x) | 0.6080% | 3,363 |
| Efficiency ratio | 69.0178% | 2,847 |
| Assets per employee ($millions) | 4.8942% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 778 |
| Loan loss allowance to noncurrent loans | 46.1275% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 3.2375% | 268 |
| Noncurrent loans to loans | 4.0307% | 238 |
| Net loans and leases to total assets | 65.6844% | 3,151 |
| Net loans and leases to deposits | 73.1395% | 3,632 |
| Net loans and leases to core deposits | 82.2979% | 3,227 |
| Total domestic deposits to total assets | 89.8069% | 602 |
| Equity capital to assets | 9.6539% | 4,272 |
| Core capital (leverage) ratio | 9.4199% | 4,213 |
| Tier 1 risk-based capital ratio | 11.7279% | 4,819 |
| Total risk-based capital ratio | 12.9821% | 4,702 |
| Memoranda: | ||
| Average total assets | $156,121,000 | 3,440 |
| Average earning assets | $136,191,670 | 3,554 |
| Average equity | $14,617,000 | 3,808 |
| Average total loans | $99,993,330 | 3,398 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 2,629 |
| Cost of funding earning assets | 0.3285% | 3,762 |
| Net interest margin | 3.7789% | 2,190 |
| Noninterest income to average assets | 0.4725% | 3,173 |
| Noninterest expense to average assets | 2.6352% | 3,362 |
| Loan and lease loss provision to assets | 2.5770% | 26 |
| Net operating income to assets | -1.4553% | 5,799 |
| Return on assets (ROA) | -1.4578% | 5,799 |
| Pretax return on assets | -1.4578% | 5,795 |
| Return on Equity (ROE) | -15.8061% | 5,802 |
| Retained earnings to average equity (ytd only) | -15.8061% | 5,675 |
| Net charge-offs to loans | 6.2287% | 13 |
| Credit loss provision to net charge-offs | 66.0194% | 1,867 |
| Earnings coverage of net charge-offs (x) | 0.2874% | 2,829 |
| Efficiency ratio | 70.1412% | 2,864 |
| Assets per employee ($millions) | 4.7818% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,426 |
| Loan loss allowance to noncurrent loans | 32.1951% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.5963% | 229 |
| Noncurrent loans to loans | 4.9126% | 171 |
| Net loans and leases to total assets | 64.4157% | 3,216 |
| Net loans and leases to deposits | 71.4399% | 3,663 |
| Net loans and leases to core deposits | 79.9265% | 3,306 |
| Total domestic deposits to total assets | 90.1678% | 591 |
| Equity capital to assets | 9.3630% | 4,430 |
| Core capital (leverage) ratio | 8.8488% | 4,907 |
| Tier 1 risk-based capital ratio | 11.1262% | 5,246 |
| Total risk-based capital ratio | 12.3766% | 5,139 |
| Memoranda: | ||
| Average total assets | $158,321,000 | 3,448 |
| Average earning assets | $137,605,500 | 3,561 |
| Average equity | $14,602,000 | 3,835 |
| Average total loans | $99,217,500 | 3,432 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,460 |
| Cost of funding earning assets | 0.3374% | 3,664 |
| Net interest margin | 3.8714% | 2,061 |
| Noninterest income to average assets | 0.4664% | 3,439 |
| Noninterest expense to average assets | 2.5109% | 3,969 |
| Loan and lease loss provision to assets | 0.7121% | 168 |
| Net operating income to assets | 0.6588% | 3,960 |
| Return on assets (ROA) | 0.6235% | 4,229 |
| Pretax return on assets | 0.6235% | 4,725 |
| Return on Equity (ROE) | 6.3045% | 3,845 |
| Retained earnings to average equity (ytd only) | 0.2854% | 5,205 |
| Net charge-offs to loans | 0.6991% | 312 |
| Credit loss provision to net charge-offs | 150.8152% | 1,812 |
| Earnings coverage of net charge-offs (x) | 2.9035% | 3,747 |
| Efficiency ratio | 64.6835% | 3,822 |
| Assets per employee ($millions) | 5.1133% | 2,274 |
| Cash dividends to net income (ytd only)* | 95.4733% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1468% | 499 |
| Loan loss allowance to noncurrent loans | 45.7304% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 3.1762% | 297 |
| Noncurrent loans to loans | 4.6946% | 186 |
| Net loans and leases to total assets | 58.7771% | 3,991 |
| Net loans and leases to deposits | 64.9552% | 4,337 |
| Net loans and leases to core deposits | 73.6514% | 3,949 |
| Total domestic deposits to total assets | 90.4886% | 454 |
| Equity capital to assets | 9.0921% | 4,717 |
| Core capital (leverage) ratio | 9.1619% | 4,536 |
| Tier 1 risk-based capital ratio | 12.4995% | 4,374 |
| Total risk-based capital ratio | 13.7566% | 4,264 |
| Memoranda: | ||
| Average total assets | $155,881,800 | 3,440 |
| Average earning assets | $137,520,600 | 3,524 |
| Average equity | $15,417,600 | 3,763 |
| Average total loans | $105,283,400 | 3,287 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 1,942 |
| Cost of funding earning assets | 0.3379% | 3,678 |
| Net interest margin | 4.0328% | 1,572 |
| Noninterest income to average assets | 0.4634% | 3,466 |
| Noninterest expense to average assets | 2.5394% | 3,866 |
| Loan and lease loss provision to assets | 0.0779% | 2,664 |
| Net operating income to assets | 1.4334% | 1,000 |
| Return on assets (ROA) | 1.3944% | 1,135 |
| Pretax return on assets | 1.3944% | 2,053 |
| Return on Equity (ROE) | 13.8021% | 864 |
| Retained earnings to average equity (ytd only) | 7.5440% | 1,382 |
| Net charge-offs to loans | 0.1258% | 1,705 |
| Credit loss provision to net charge-offs | 89.1089% | 2,543 |
| Earnings coverage of net charge-offs (x) | 17.2777% | 2,061 |
| Efficiency ratio | 62.6898% | 4,110 |
| Assets per employee ($millions) | 5.1294% | 2,215 |
| Cash dividends to net income (ytd only)* | 45.3417% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 1,363 |
| Loan loss allowance to noncurrent loans | 56.2620% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.9684% | 794 |
| Noncurrent loans to loans | 2.9105% | 532 |
| Net loans and leases to total assets | 66.5254% | 3,038 |
| Net loans and leases to deposits | 74.4294% | 3,556 |
| Net loans and leases to core deposits | 86.1705% | 2,935 |
| Total domestic deposits to total assets | 89.3805% | 732 |
| Equity capital to assets | 10.1189% | 4,018 |
| Core capital (leverage) ratio | 10.0972% | 3,445 |
| Tier 1 risk-based capital ratio | 12.5880% | 4,423 |
| Total risk-based capital ratio | 13.8403% | 4,325 |
| Memoranda: | ||
| Average total assets | $153,946,000 | 3,479 |
| Average earning assets | $136,940,000 | 3,557 |
| Average equity | $15,552,750 | 3,779 |
| Average total loans | $107,033,250 | 3,275 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,011 |
| Cost of funding earning assets | 0.3373% | 3,726 |
| Net interest margin | 4.0048% | 1,628 |
| Noninterest income to average assets | 0.4492% | 3,529 |
| Noninterest expense to average assets | 2.5431% | 3,903 |
| Loan and lease loss provision to assets | 0.0788% | 2,573 |
| Net operating income to assets | 1.4305% | 1,007 |
| Return on assets (ROA) | 1.3989% | 1,119 |
| Pretax return on assets | 1.3989% | 2,028 |
| Return on Equity (ROE) | 13.8549% | 860 |
| Retained earnings to average equity (ytd only) | 6.8299% | 1,702 |
| Net charge-offs to loans | 0.3706% | 622 |
| Credit loss provision to net charge-offs | 30.3030% | 2,857 |
| Earnings coverage of net charge-offs (x) | 5.8030% | 2,817 |
| Efficiency ratio | 62.7553% | 4,220 |
| Assets per employee ($millions) | 4.9413% | 2,368 |
| Cash dividends to net income (ytd only)* | 50.7042% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 1,808 |
| Loan loss allowance to noncurrent loans | 50.3391% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.1178% | 753 |
| Noncurrent loans to loans | 3.0058% | 498 |
| Net loans and leases to total assets | 69.3896% | 2,571 |
| Net loans and leases to deposits | 77.7453% | 3,181 |
| Net loans and leases to core deposits | 87.5435% | 2,774 |
| Total domestic deposits to total assets | 89.2525% | 787 |
| Equity capital to assets | 10.2899% | 3,877 |
| Core capital (leverage) ratio | 10.1161% | 3,431 |
| Tier 1 risk-based capital ratio | 12.4145% | 4,585 |
| Total risk-based capital ratio | 13.6652% | 4,496 |
| Memoranda: | ||
| Average total assets | $152,258,000 | 3,523 |
| Average earning assets | $136,986,000 | 3,580 |
| Average equity | $15,373,670 | 3,816 |
| Average total loans | $106,863,330 | 3,290 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 2,035 |
| Cost of funding earning assets | 0.3382% | 3,743 |
| Net interest margin | 3.9908% | 1,637 |
| Noninterest income to average assets | 0.4480% | 3,500 |
| Noninterest expense to average assets | 2.5455% | 3,925 |
| Loan and lease loss provision to assets | 0.0791% | 2,383 |
| Net operating income to assets | 1.4309% | 979 |
| Return on assets (ROA) | 1.3966% | 1,100 |
| Pretax return on assets | 1.3966% | 1,915 |
| Return on Equity (ROE) | 13.9662% | 837 |
| Retained earnings to average equity (ytd only) | 4.6378% | 3,159 |
| Net charge-offs to loans | 0.7599% | 266 |
| Credit loss provision to net charge-offs | 14.8515% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.8366% | 2,627 |
| Efficiency ratio | 62.7680% | 4,335 |
| Assets per employee ($millions) | 4.8193% | 2,551 |
| Cash dividends to net income (ytd only)* | 66.7925% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,953 |
| Loan loss allowance to noncurrent loans | 58.6295% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8267% | 1,006 |
| Noncurrent loans to loans | 2.5714% | 718 |
| Net loans and leases to total assets | 69.9675% | 2,349 |
| Net loans and leases to deposits | 78.3108% | 2,969 |
| Net loans and leases to core deposits | 88.5165% | 2,514 |
| Total domestic deposits to total assets | 89.3459% | 924 |
| Equity capital to assets | 10.2438% | 3,800 |
| Core capital (leverage) ratio | 9.8009% | 3,775 |
| Tier 1 risk-based capital ratio | 12.4566% | 4,611 |
| Total risk-based capital ratio | 13.7076% | 4,519 |
| Memoranda: | ||
| Average total assets | $151,797,000 | 3,559 |
| Average earning assets | $137,214,500 | 3,596 |
| Average equity | $15,179,500 | 3,850 |
| Average total loans | $106,333,000 | 3,305 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 2,080 |
| Cost of funding earning assets | 0.3481% | 3,718 |
| Net interest margin | 3.9955% | 1,732 |
| Noninterest income to average assets | 0.4417% | 3,736 |
| Noninterest expense to average assets | 2.4735% | 4,312 |
| Loan and lease loss provision to assets | 0.5880% | 184 |
| Net operating income to assets | 0.8223% | 3,235 |
| Return on assets (ROA) | 0.8026% | 3,410 |
| Pretax return on assets | 0.8026% | 4,175 |
| Return on Equity (ROE) | 8.4251% | 2,745 |
| Retained earnings to average equity (ytd only) | 5.5455% | 2,054 |
| Net charge-offs to loans | 0.4584% | 599 |
| Credit loss provision to net charge-offs | 185.5072% | 1,481 |
| Earnings coverage of net charge-offs (x) | 4.4493% | 3,559 |
| Efficiency ratio | 63.6871% | 4,331 |
| Assets per employee ($millions) | 5.3171% | 1,988 |
| Cash dividends to net income (ytd only)* | 34.1783% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 1,443 |
| Loan loss allowance to noncurrent loans | 65.3875% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.7575% | 1,083 |
| Noncurrent loans to loans | 2.5437% | 710 |
| Net loans and leases to total assets | 67.9421% | 2,708 |
| Net loans and leases to deposits | 75.5780% | 3,313 |
| Net loans and leases to core deposits | 85.4031% | 2,837 |
| Total domestic deposits to total assets | 89.8966% | 677 |
| Equity capital to assets | 9.7635% | 4,225 |
| Core capital (leverage) ratio | 9.4724% | 4,217 |
| Tier 1 risk-based capital ratio | 12.2177% | 4,817 |
| Total risk-based capital ratio | 13.4700% | 4,713 |
| Memoranda: | ||
| Average total assets | $152,374,400 | 3,535 |
| Average earning assets | $131,274,000 | 3,673 |
| Average equity | $14,516,200 | 3,904 |
| Average total loans | $105,373,600 | 3,297 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 1,991 |
| Cost of funding earning assets | 0.3491% | 3,764 |
| Net interest margin | 4.0292% | 1,610 |
| Noninterest income to average assets | 0.4441% | 3,761 |
| Noninterest expense to average assets | 2.4872% | 4,235 |
| Loan and lease loss provision to assets | 0.7600% | 98 |
| Net operating income to assets | 0.6310% | 4,235 |
| Return on assets (ROA) | 0.6108% | 4,437 |
| Pretax return on assets | 0.6108% | 4,949 |
| Return on Equity (ROE) | 6.4526% | 3,935 |
| Retained earnings to average equity (ytd only) | 3.5137% | 3,966 |
| Net charge-offs to loans | 0.4910% | 487 |
| Credit loss provision to net charge-offs | 223.7726% | 1,226 |
| Earnings coverage of net charge-offs (x) | 4.0956% | 3,402 |
| Efficiency ratio | 64.1322% | 4,223 |
| Assets per employee ($millions) | 5.3525% | 1,903 |
| Cash dividends to net income (ytd only)* | 45.5462% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 1,535 |
| Loan loss allowance to noncurrent loans | 54.5239% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.1717% | 884 |
| Noncurrent loans to loans | 3.0727% | 562 |
| Net loans and leases to total assets | 69.4936% | 2,464 |
| Net loans and leases to deposits | 77.1095% | 3,185 |
| Net loans and leases to core deposits | 87.3703% | 2,718 |
| Total domestic deposits to total assets | 90.1232% | 526 |
| Equity capital to assets | 9.4406% | 4,826 |
| Core capital (leverage) ratio | 9.4329% | 4,389 |
| Tier 1 risk-based capital ratio | 11.3790% | 5,442 |
| Total risk-based capital ratio | 12.6316% | 5,349 |
| Memoranda: | ||
| Average total assets | $151,919,000 | 3,572 |
| Average earning assets | $129,484,750 | 3,745 |
| Average equity | $14,381,500 | 3,968 |
| Average total loans | $105,083,000 | 3,322 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 1,944 |
| Cost of funding earning assets | 0.3507% | 3,802 |
| Net interest margin | 4.0201% | 1,584 |
| Noninterest income to average assets | 0.4416% | 3,765 |
| Noninterest expense to average assets | 2.5395% | 4,103 |
| Loan and lease loss provision to assets | 0.7638% | 107 |
| Net operating income to assets | 0.5437% | 4,581 |
| Return on assets (ROA) | 0.5304% | 4,757 |
| Pretax return on assets | 0.5304% | 5,148 |
| Return on Equity (ROE) | 5.5981% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.1769% | 4,030 |
| Net charge-offs to loans | 0.7456% | 303 |
| Credit loss provision to net charge-offs | 149.2228% | 1,541 |
| Earnings coverage of net charge-offs (x) | 2.5544% | 3,323 |
| Efficiency ratio | 66.0117% | 4,005 |
| Assets per employee ($millions) | 5.0573% | 2,200 |
| Cash dividends to net income (ytd only)* | 43.2500% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 2,445 |
| Loan loss allowance to noncurrent loans | 49.9034% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.1263% | 1,004 |
| Noncurrent loans to loans | 2.9304% | 689 |
| Net loans and leases to total assets | 68.7949% | 2,518 |
| Net loans and leases to deposits | 76.3455% | 3,227 |
| Net loans and leases to core deposits | 87.4565% | 2,613 |
| Total domestic deposits to total assets | 90.1100% | 613 |
| Equity capital to assets | 9.4932% | 4,660 |
| Core capital (leverage) ratio | 9.3090% | 4,537 |
| Tier 1 risk-based capital ratio | 11.4781% | 5,478 |
| Total risk-based capital ratio | 12.7284% | 5,396 |
| Memoranda: | ||
| Average total assets | $150,817,670 | 3,622 |
| Average earning assets | $127,757,670 | 3,810 |
| Average equity | $14,290,670 | 4,001 |
| Average total loans | $103,541,330 | 3,371 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 1,860 |
| Cost of funding earning assets | 0.3430% | 3,953 |
| Net interest margin | 4.0297% | 1,466 |
| Noninterest income to average assets | 0.4469% | 3,652 |
| Noninterest expense to average assets | 2.5351% | 4,157 |
| Loan and lease loss provision to assets | 1.3035% | 51 |
| Net operating income to assets | -0.0160% | 6,031 |
| Return on assets (ROA) | -0.0160% | 6,069 |
| Pretax return on assets | -0.0160% | 6,061 |
| Return on Equity (ROE) | -0.1686% | 6,072 |
| Retained earnings to average equity (ytd only) | -5.0300% | 5,939 |
| Net charge-offs to loans | 1.4773% | 130 |
| Credit loss provision to net charge-offs | 129.6296% | 1,370 |
| Earnings coverage of net charge-offs (x) | 1.2804% | 2,944 |
| Efficiency ratio | 66.3187% | 4,094 |
| Assets per employee ($millions) | 4.8349% | 2,575 |
| Cash dividends to net income (ytd only)* | -2,883.3333% | 6,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 2,589 |
| Loan loss allowance to noncurrent loans | 39.4899% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 2.4076% | 906 |
| Noncurrent loans to loans | 3.7132% | 491 |
| Net loans and leases to total assets | 63.8887% | 3,105 |
| Net loans and leases to deposits | 70.5836% | 3,680 |
| Net loans and leases to core deposits | 80.5860% | 3,095 |
| Total domestic deposits to total assets | 90.5149% | 523 |
| Equity capital to assets | 9.1555% | 5,131 |
| Core capital (leverage) ratio | 9.2345% | 4,668 |
| Tier 1 risk-based capital ratio | 11.5407% | 5,530 |
| Total risk-based capital ratio | 12.7729% | 5,462 |
| Memoranda: | ||
| Average total assets | $150,367,000 | 3,646 |
| Average earning assets | $125,965,500 | 3,868 |
| Average equity | $14,234,500 | 4,037 |
| Average total loans | $102,350,000 | 3,408 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,157 |
| Cost of funding earning assets | 0.3319% | 4,470 |
| Net interest margin | 4.0882% | 1,614 |
| Noninterest income to average assets | 0.4992% | 3,521 |
| Noninterest expense to average assets | 2.6466% | 4,064 |
| Loan and lease loss provision to assets | 0.2318% | 1,045 |
| Net operating income to assets | 1.2488% | 1,438 |
| Return on assets (ROA) | 1.2488% | 1,503 |
| Pretax return on assets | 1.2488% | 2,446 |
| Return on Equity (ROE) | 12.9594% | 1,153 |
| Retained earnings to average equity (ytd only) | 8.5853% | 802 |
| Net charge-offs to loans | 0.1232% | 2,796 |
| Credit loss provision to net charge-offs | 268.5950% | 954 |
| Earnings coverage of net charge-offs (x) | 17.1570% | 1,955 |
| Efficiency ratio | 64.1265% | 4,572 |
| Assets per employee ($millions) | 4.5631% | 2,935 |
| Cash dividends to net income (ytd only)* | 33.7521% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 3,411 |
| Loan loss allowance to noncurrent loans | 50.0184% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.8607% | 1,390 |
| Noncurrent loans to loans | 2.6029% | 955 |
| Net loans and leases to total assets | 70.5557% | 2,149 |
| Net loans and leases to deposits | 78.4987% | 2,911 |
| Net loans and leases to core deposits | 87.5816% | 2,543 |
| Total domestic deposits to total assets | 89.8814% | 784 |
| Equity capital to assets | 9.7961% | 4,361 |
| Core capital (leverage) ratio | 9.7318% | 3,927 |
| Tier 1 risk-based capital ratio | 12.4476% | 5,062 |
| Total risk-based capital ratio | 13.6590% | 5,007 |
| Memoranda: | ||
| Average total assets | $140,220,000 | 3,797 |
| Average earning assets | $124,430,200 | 3,873 |
| Average equity | $13,511,400 | 4,101 |
| Average total loans | $98,229,200 | 3,462 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 2,175 |
| Cost of funding earning assets | 0.3322% | 4,542 |
| Net interest margin | 4.0840% | 1,628 |
| Noninterest income to average assets | 0.4987% | 3,558 |
| Noninterest expense to average assets | 2.6624% | 3,975 |
| Loan and lease loss provision to assets | 0.2546% | 841 |
| Net operating income to assets | 1.2077% | 1,657 |
| Return on assets (ROA) | 1.2077% | 1,720 |
| Pretax return on assets | 1.2077% | 2,745 |
| Return on Equity (ROE) | 12.5887% | 1,325 |
| Retained earnings to average equity (ytd only) | 8.4025% | 1,188 |
| Net charge-offs to loans | 0.1682% | 2,116 |
| Credit loss provision to net charge-offs | 217.2131% | 1,186 |
| Earnings coverage of net charge-offs (x) | 12.4756% | 2,316 |
| Efficiency ratio | 64.5469% | 4,457 |
| Assets per employee ($millions) | 4.6638% | 2,715 |
| Cash dividends to net income (ytd only)* | 33.2538% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 3,806 |
| Loan loss allowance to noncurrent loans | 52.4444% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.7689% | 1,689 |
| Noncurrent loans to loans | 2.4232% | 1,225 |
| Net loans and leases to total assets | 72.0721% | 1,836 |
| Net loans and leases to deposits | 80.3863% | 2,633 |
| Net loans and leases to core deposits | 91.2199% | 2,093 |
| Total domestic deposits to total assets | 89.6572% | 903 |
| Equity capital to assets | 9.9425% | 4,237 |
| Core capital (leverage) ratio | 9.7504% | 3,997 |
| Tier 1 risk-based capital ratio | 12.4525% | 5,194 |
| Total risk-based capital ratio | 13.6379% | 5,170 |
| Memoranda: | ||
| Average total assets | $138,770,500 | 3,853 |
| Average earning assets | $123,208,750 | 3,925 |
| Average equity | $13,313,250 | 4,160 |
| Average total loans | $96,690,750 | 3,516 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,525 |
| Cost of funding earning assets | 0.3282% | 4,666 |
| Net interest margin | 3.9903% | 1,836 |
| Noninterest income to average assets | 0.4928% | 3,528 |
| Noninterest expense to average assets | 2.7083% | 3,831 |
| Loan and lease loss provision to assets | 0.2240% | 1,029 |
| Net operating income to assets | 1.1099% | 1,901 |
| Return on assets (ROA) | 1.1099% | 1,975 |
| Pretax return on assets | 1.1099% | 3,066 |
| Return on Equity (ROE) | 11.7127% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.1374% | 1,696 |
| Net charge-offs to loans | 0.2614% | 1,502 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 7.4435% | 2,631 |
| Efficiency ratio | 67.0004% | 4,193 |
| Assets per employee ($millions) | 4.5848% | 2,788 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 4,343 |
| Loan loss allowance to noncurrent loans | 39.0903% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 2.2058% | 1,379 |
| Noncurrent loans to loans | 3.1158% | 913 |
| Net loans and leases to total assets | 69.9325% | 2,097 |
| Net loans and leases to deposits | 77.8390% | 2,822 |
| Net loans and leases to core deposits | 87.5638% | 2,360 |
| Total domestic deposits to total assets | 89.8425% | 882 |
| Equity capital to assets | 9.8063% | 4,345 |
| Core capital (leverage) ratio | 9.5468% | 4,255 |
| Tier 1 risk-based capital ratio | 12.6746% | 5,101 |
| Total risk-based capital ratio | 13.8079% | 5,115 |
| Memoranda: | ||
| Average total assets | $138,389,330 | 3,879 |
| Average earning assets | $123,098,000 | 3,950 |
| Average equity | $13,114,000 | 4,200 |
| Average total loans | $94,875,330 | 3,566 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,649 |
| Cost of funding earning assets | 0.3149% | 4,918 |
| Net interest margin | 3.9513% | 1,927 |
| Noninterest income to average assets | 0.4726% | 3,613 |
| Noninterest expense to average assets | 2.6856% | 3,982 |
| Loan and lease loss provision to assets | 0.0432% | 3,232 |
| Net operating income to assets | 1.2506% | 1,345 |
| Return on assets (ROA) | 1.2506% | 1,403 |
| Pretax return on assets | 1.2506% | 2,283 |
| Return on Equity (ROE) | 13.4293% | 1,051 |
| Retained earnings to average equity (ytd only) | 8.8497% | 1,293 |
| Net charge-offs to loans | -0.0299% | 5,553 |
| Credit loss provision to net charge-offs | -214.2857% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4873% | 4,275 |
| Assets per employee ($millions) | 4.4212% | 3,107 |
| Cash dividends to net income (ytd only)* | 34.1014% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 4,468 |
| Loan loss allowance to noncurrent loans | 37.0475% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 1,411 |
| Noncurrent loans to loans | 3.3270% | 914 |
| Net loans and leases to total assets | 68.8142% | 2,088 |
| Net loans and leases to deposits | 76.4084% | 2,767 |
| Net loans and leases to core deposits | 86.5965% | 2,251 |
| Total domestic deposits to total assets | 90.0610% | 1,041 |
| Equity capital to assets | 9.6107% | 4,338 |
| Core capital (leverage) ratio | 9.4192% | 4,392 |
| Tier 1 risk-based capital ratio | 12.7654% | 5,149 |
| Total risk-based capital ratio | 13.9138% | 5,145 |
| Memoranda: | ||
| Average total assets | $138,812,000 | 3,899 |
| Average earning assets | $123,199,500 | 3,982 |
| Average equity | $12,927,000 | 4,252 |
| Average total loans | $93,626,000 | 3,619 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 3,115 |
| Cost of funding earning assets | 0.3716% | 4,931 |
| Net interest margin | 3.8875% | 2,336 |
| Noninterest income to average assets | 0.4926% | 3,805 |
| Noninterest expense to average assets | 2.6479% | 4,289 |
| Loan and lease loss provision to assets | 0.2618% | 1,360 |
| Net operating income to assets | 1.0729% | 2,022 |
| Return on assets (ROA) | 1.0434% | 2,214 |
| Pretax return on assets | 1.0478% | 3,158 |
| Return on Equity (ROE) | 11.3859% | 1,641 |
| Retained earnings to average equity (ytd only) | 7.5155% | 1,227 |
| Net charge-offs to loans | 0.2218% | 2,688 |
| Credit loss provision to net charge-offs | 173.1707% | 1,322 |
| Earnings coverage of net charge-offs (x) | 8.8585% | 2,594 |
| Efficiency ratio | 66.4139% | 4,489 |
| Assets per employee ($millions) | 4.5345% | 2,846 |
| Cash dividends to net income (ytd only)* | 33.9929% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,352 |
| Loan loss allowance to noncurrent loans | 45.8697% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 2,062 |
| Noncurrent loans to loans | 2.7441% | 1,308 |
| Net loans and leases to total assets | 64.4571% | 2,960 |
| Net loans and leases to deposits | 71.0975% | 3,643 |
| Net loans and leases to core deposits | 76.4730% | 3,560 |
| Total domestic deposits to total assets | 90.6600% | 725 |
| Equity capital to assets | 9.0220% | 5,012 |
| Core capital (leverage) ratio | 9.4376% | 4,358 |
| Tier 1 risk-based capital ratio | 12.9473% | 5,015 |
| Total risk-based capital ratio | 14.1159% | 5,018 |
| Memoranda: | ||
| Average total assets | $135,619,400 | 3,966 |
| Average earning assets | $121,905,000 | 4,017 |
| Average equity | $12,427,600 | 4,370 |
| Average total loans | $92,405,200 | 3,634 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 3,217 |
| Cost of funding earning assets | 0.3901% | 4,901 |
| Net interest margin | 3.8559% | 2,438 |
| Noninterest income to average assets | 0.4911% | 3,874 |
| Noninterest expense to average assets | 2.6471% | 4,212 |
| Loan and lease loss provision to assets | 0.2927% | 1,173 |
| Net operating income to assets | 1.0265% | 2,272 |
| Return on assets (ROA) | 0.9862% | 2,535 |
| Pretax return on assets | 0.9922% | 3,530 |
| Return on Equity (ROE) | 10.7190% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.9016% | 1,925 |
| Net charge-offs to loans | 0.1512% | 3,030 |
| Credit loss provision to net charge-offs | 280.9524% | 904 |
| Earnings coverage of net charge-offs (x) | 12.7235% | 2,101 |
| Efficiency ratio | 66.6334% | 4,365 |
| Assets per employee ($millions) | 4.5066% | 2,876 |
| Cash dividends to net income (ytd only)* | 35.6138% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 4,700 |
| Loan loss allowance to noncurrent loans | 48.6365% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 1.9860% | 2,034 |
| Noncurrent loans to loans | 2.5443% | 1,694 |
| Net loans and leases to total assets | 70.5437% | 1,861 |
| Net loans and leases to deposits | 77.9835% | 2,666 |
| Net loans and leases to core deposits | 84.1358% | 2,633 |
| Total domestic deposits to total assets | 90.4598% | 755 |
| Equity capital to assets | 9.1822% | 4,962 |
| Core capital (leverage) ratio | 9.5619% | 4,309 |
| Tier 1 risk-based capital ratio | 12.2176% | 5,628 |
| Total risk-based capital ratio | 13.3854% | 5,628 |
| Memoranda: | ||
| Average total assets | $134,382,250 | 4,025 |
| Average earning assets | $121,335,500 | 4,065 |
| Average equity | $12,364,000 | 4,422 |
| Average total loans | $92,566,250 | 3,656 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,403 |
| Cost of funding earning assets | 0.4012% | 4,932 |
| Net interest margin | 3.7905% | 2,591 |
| Noninterest income to average assets | 0.4966% | 3,861 |
| Noninterest expense to average assets | 2.6486% | 4,225 |
| Loan and lease loss provision to assets | 0.3355% | 1,022 |
| Net operating income to assets | 0.9404% | 2,615 |
| Return on assets (ROA) | 0.8829% | 3,037 |
| Pretax return on assets | 0.8918% | 3,939 |
| Return on Equity (ROE) | 9.5891% | 2,379 |
| Retained earnings to average equity (ytd only) | 5.7664% | 2,576 |
| Net charge-offs to loans | 0.2302% | 2,346 |
| Credit loss provision to net charge-offs | 214.2857% | 1,128 |
| Earnings coverage of net charge-offs (x) | 8.2095% | 2,442 |
| Efficiency ratio | 67.3237% | 4,306 |
| Assets per employee ($millions) | 4.2440% | 3,261 |
| Cash dividends to net income (ytd only)* | 39.8649% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,819 |
| Loan loss allowance to noncurrent loans | 49.3205% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 2.0767% | 2,081 |
| Noncurrent loans to loans | 2.5010% | 1,851 |
| Net loans and leases to total assets | 70.7498% | 1,759 |
| Net loans and leases to deposits | 78.6007% | 2,506 |
| Net loans and leases to core deposits | 86.7144% | 2,259 |
| Total domestic deposits to total assets | 90.0117% | 1,016 |
| Equity capital to assets | 9.6584% | 4,372 |
| Core capital (leverage) ratio | 9.4499% | 4,319 |
| Tier 1 risk-based capital ratio | 12.7574% | 5,320 |
| Total risk-based capital ratio | 13.9320% | 5,310 |
| Memoranda: | ||
| Average total assets | $134,110,670 | 4,059 |
| Average earning assets | $121,621,330 | 4,087 |
| Average equity | $12,347,330 | 4,450 |
| Average total loans | $91,232,330 | 3,695 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,665 |
| Cost of funding earning assets | 0.4130% | 4,981 |
| Net interest margin | 3.7011% | 2,847 |
| Noninterest income to average assets | 0.4887% | 3,858 |
| Noninterest expense to average assets | 2.5890% | 4,437 |
| Loan and lease loss provision to assets | 0.2618% | 1,360 |
| Net operating income to assets | 0.9555% | 2,420 |
| Return on assets (ROA) | 0.8785% | 2,908 |
| Pretax return on assets | 0.8960% | 3,781 |
| Return on Equity (ROE) | 9.7636% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.5284% | 2,939 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6806% | 4,376 |
| Assets per employee ($millions) | 4.2281% | 3,483 |
| Cash dividends to net income (ytd only)* | 43.3775% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,940 |
| Loan loss allowance to noncurrent loans | 46.9580% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.2202% | 2,102 |
| Noncurrent loans to loans | 2.6644% | 1,929 |
| Net loans and leases to total assets | 65.9978% | 2,371 |
| Net loans and leases to deposits | 73.1560% | 3,028 |
| Net loans and leases to core deposits | 80.6752% | 2,723 |
| Total domestic deposits to total assets | 90.2152% | 927 |
| Equity capital to assets | 9.5048% | 4,843 |
| Core capital (leverage) ratio | 9.0507% | 4,804 |
| Tier 1 risk-based capital ratio | 12.9941% | 5,224 |
| Total risk-based capital ratio | 14.1776% | 5,232 |
| Memoranda: | ||
| Average total assets | $137,506,500 | 4,029 |
| Average earning assets | $123,964,500 | 4,068 |
| Average equity | $12,372,500 | 4,498 |
| Average total loans | $91,247,000 | 3,714 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 3,695 |
| Cost of funding earning assets | 0.5330% | 4,968 |
| Net interest margin | 3.8994% | 2,832 |
| Noninterest income to average assets | 0.5508% | 3,571 |
| Noninterest expense to average assets | 2.5309% | 4,988 |
| Loan and lease loss provision to assets | 0.1337% | 3,955 |
| Net operating income to assets | 1.3346% | 1,223 |
| Return on assets (ROA) | 1.2200% | 1,703 |
| Pretax return on assets | 1.2200% | 2,725 |
| Return on Equity (ROE) | 13.6300% | 1,075 |
| Retained earnings to average equity (ytd only) | 5.3940% | 2,448 |
| Net charge-offs to loans | 0.2295% | 3,559 |
| Credit loss provision to net charge-offs | 87.5000% | 3,571 |
| Earnings coverage of net charge-offs (x) | 9.6100% | 2,251 |
| Efficiency ratio | 63.2856% | 5,021 |
| Assets per employee ($millions) | 5.1408% | 2,051 |
| Cash dividends to net income (ytd only)* | 60.4258% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 5,723 |
| Loan loss allowance to noncurrent loans | 45.1077% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 1.9515% | 2,510 |
| Noncurrent loans to loans | 2.3479% | 2,290 |
| Net loans and leases to total assets | 65.2270% | 2,665 |
| Net loans and leases to deposits | 72.0754% | 3,402 |
| Net loans and leases to core deposits | 80.8579% | 2,895 |
| Total domestic deposits to total assets | 90.4983% | 701 |
| Equity capital to assets | 8.5361% | 6,018 |
| Core capital (leverage) ratio | 8.6247% | 5,432 |
| Tier 1 risk-based capital ratio | 11.7290% | 5,938 |
| Total risk-based capital ratio | 12.7227% | 6,090 |
| Memoranda: | ||
| Average total assets | $130,901,200 | 4,127 |
| Average earning assets | $115,761,800 | 4,215 |
| Average equity | $11,716,800 | 4,628 |
| Average total loans | $87,139,200 | 3,820 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 3,554 |
| Cost of funding earning assets | 0.5598% | 4,997 |
| Net interest margin | 3.9614% | 2,659 |
| Noninterest income to average assets | 0.5651% | 3,507 |
| Noninterest expense to average assets | 2.5853% | 4,788 |
| Loan and lease loss provision to assets | 0.0627% | 4,926 |
| Net operating income to assets | 1.4133% | 1,195 |
| Return on assets (ROA) | 1.2786% | 1,643 |
| Pretax return on assets | 1.2786% | 2,676 |
| Return on Equity (ROE) | 14.0999% | 1,090 |
| Retained earnings to average equity (ytd only) | 4.7575% | 3,555 |
| Net charge-offs to loans | 0.0016% | 5,755 |
| Credit loss provision to net charge-offs | 6,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,416.5038% | 24 |
| Efficiency ratio | 63.6574% | 4,861 |
| Assets per employee ($millions) | 4.5792% | 2,781 |
| Cash dividends to net income (ytd only)* | 66.2584% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,973 |
| Loan loss allowance to noncurrent loans | 45.7755% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 2.2342% | 2,386 |
| Noncurrent loans to loans | 2.7653% | 2,039 |
| Net loans and leases to total assets | 63.9638% | 3,031 |
| Net loans and leases to deposits | 71.2386% | 3,714 |
| Net loans and leases to core deposits | 77.6584% | 3,509 |
| Total domestic deposits to total assets | 89.7882% | 956 |
| Equity capital to assets | 9.1086% | 5,698 |
| Core capital (leverage) ratio | 9.1113% | 4,894 |
| Tier 1 risk-based capital ratio | 12.6449% | 5,528 |
| Total risk-based capital ratio | 13.8276% | 5,542 |
| Memoranda: | ||
| Average total assets | $127,641,000 | 4,238 |
| Average earning assets | $112,652,250 | 4,332 |
| Average equity | $11,574,250 | 4,700 |
| Average total loans | $85,200,500 | 3,912 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 4,154 |
| Cost of funding earning assets | 0.5746% | 5,121 |
| Net interest margin | 3.8339% | 3,204 |
| Noninterest income to average assets | 0.5718% | 3,434 |
| Noninterest expense to average assets | 2.6747% | 4,519 |
| Loan and lease loss provision to assets | 0.0588% | 4,915 |
| Net operating income to assets | 1.2611% | 1,541 |
| Return on assets (ROA) | 1.1261% | 2,173 |
| Pretax return on assets | 1.1261% | 3,204 |
| Return on Equity (ROE) | 12.4382% | 1,523 |
| Retained earnings to average equity (ytd only) | 0.6842% | 5,787 |
| Net charge-offs to loans | -0.0024% | 6,100 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9583% | 4,326 |
| Assets per employee ($millions) | 4.1693% | 3,519 |
| Cash dividends to net income (ytd only)* | 94.4993% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 5,027 |
| Loan loss allowance to noncurrent loans | 41.9976% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.4376% | 2,295 |
| Noncurrent loans to loans | 3.0295% | 1,946 |
| Net loans and leases to total assets | 66.2568% | 2,619 |
| Net loans and leases to deposits | 73.9372% | 3,306 |
| Net loans and leases to core deposits | 81.0496% | 3,080 |
| Total domestic deposits to total assets | 89.6122% | 1,154 |
| Equity capital to assets | 9.2637% | 5,371 |
| Core capital (leverage) ratio | 9.0884% | 4,781 |
| Tier 1 risk-based capital ratio | 12.6382% | 5,465 |
| Total risk-based capital ratio | 13.8360% | 5,486 |
| Memoranda: | ||
| Average total assets | $125,922,330 | 4,295 |
| Average earning assets | $112,419,000 | 4,353 |
| Average equity | $11,400,330 | 4,736 |
| Average total loans | $84,923,670 | 3,946 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 4,279 |
| Cost of funding earning assets | 0.5751% | 5,317 |
| Net interest margin | 3.8376% | 3,200 |
| Noninterest income to average assets | 0.5825% | 3,340 |
| Noninterest expense to average assets | 2.6309% | 4,703 |
| Loan and lease loss provision to assets | 0.0697% | 4,539 |
| Net operating income to assets | 1.3044% | 1,447 |
| Return on assets (ROA) | 1.2379% | 1,818 |
| Pretax return on assets | 1.2379% | 2,774 |
| Return on Equity (ROE) | 13.8321% | 1,217 |
| Retained earnings to average equity (ytd only) | -4.1744% | 6,518 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6917% | 4,612 |
| Assets per employee ($millions) | 4.2742% | 3,447 |
| Cash dividends to net income (ytd only)* | 130.1790% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,167 |
| Loan loss allowance to noncurrent loans | 37.3182% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.5631% | 2,308 |
| Noncurrent loans to loans | 3.4001% | 1,853 |
| Net loans and leases to total assets | 66.0406% | 2,462 |
| Net loans and leases to deposits | 74.1165% | 3,110 |
| Net loans and leases to core deposits | 81.5944% | 2,887 |
| Total domestic deposits to total assets | 89.1038% | 1,639 |
| Equity capital to assets | 9.0875% | 5,375 |
| Core capital (leverage) ratio | 8.9848% | 4,861 |
| Tier 1 risk-based capital ratio | 12.5044% | 5,596 |
| Total risk-based capital ratio | 13.6882% | 5,622 |
| Memoranda: | ||
| Average total assets | $126,343,500 | 4,317 |
| Average earning assets | $112,673,500 | 4,362 |
| Average equity | $11,307,000 | 4,763 |
| Average total loans | $85,414,500 | 3,958 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 4,225 |
| Cost of funding earning assets | 0.6925% | 5,589 |
| Net interest margin | 4.0125% | 2,825 |
| Noninterest income to average assets | 0.4688% | 4,065 |
| Noninterest expense to average assets | 2.5934% | 5,126 |
| Loan and lease loss provision to assets | 0.2436% | 3,771 |
| Net operating income to assets | 1.0371% | 2,057 |
| Return on assets (ROA) | 0.9377% | 2,579 |
| Pretax return on assets | 1.1092% | 2,804 |
| Return on Equity (ROE) | 10.1575% | 2,009 |
| Retained earnings to average equity (ytd only) | -1.3891% | 6,073 |
| Net charge-offs to loans | 0.4617% | 3,140 |
| Credit loss provision to net charge-offs | 76.7677% | 4,610 |
| Earnings coverage of net charge-offs (x) | 4.6313% | 3,040 |
| Efficiency ratio | 63.8264% | 5,155 |
| Assets per employee ($millions) | 4.1528% | 3,544 |
| Cash dividends to net income (ytd only)* | 113.6752% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,526 |
| Loan loss allowance to noncurrent loans | 31.5564% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 2.8353% | 2,134 |
| Noncurrent loans to loans | 3.7125% | 1,698 |
| Net loans and leases to total assets | 67.4939% | 2,494 |
| Net loans and leases to deposits | 78.0983% | 2,826 |
| Net loans and leases to core deposits | 85.7680% | 2,664 |
| Total domestic deposits to total assets | 86.4218% | 3,065 |
| Equity capital to assets | 8.8165% | 5,776 |
| Core capital (leverage) ratio | 8.9605% | 4,846 |
| Tier 1 risk-based capital ratio | 11.8303% | 5,941 |
| Total risk-based capital ratio | 12.9153% | 6,030 |
| Memoranda: | ||
| Average total assets | $124,779,200 | 4,278 |
| Average earning assets | $111,776,800 | 4,342 |
| Average equity | $11,518,600 | 4,655 |
| Average total loans | $85,761,000 | 3,971 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 4,355 |
| Cost of funding earning assets | 0.7220% | 5,642 |
| Net interest margin | 3.9984% | 2,917 |
| Noninterest income to average assets | 0.4588% | 4,230 |
| Noninterest expense to average assets | 2.5333% | 5,340 |
| Loan and lease loss provision to assets | 0.1368% | 4,727 |
| Net operating income to assets | 1.2148% | 1,614 |
| Return on assets (ROA) | 1.1191% | 2,044 |
| Pretax return on assets | 1.2709% | 2,396 |
| Return on Equity (ROE) | 11.9828% | 1,558 |
| Retained earnings to average equity (ytd only) | 6.1817% | 2,438 |
| Net charge-offs to loans | 0.0454% | 5,538 |
| Credit loss provision to net charge-offs | 437.9310% | 639 |
| Earnings coverage of net charge-offs (x) | 48.5464% | 667 |
| Efficiency ratio | 62.5532% | 5,322 |
| Assets per employee ($millions) | 4.1258% | 3,590 |
| Cash dividends to net income (ytd only)* | 48.4119% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,741 |
| Loan loss allowance to noncurrent loans | 83.1063% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 4,409 |
| Noncurrent loans to loans | 1.6333% | 3,844 |
| Net loans and leases to total assets | 69.3174% | 2,213 |
| Net loans and leases to deposits | 79.0945% | 2,798 |
| Net loans and leases to core deposits | 86.9459% | 2,646 |
| Total domestic deposits to total assets | 87.6388% | 2,266 |
| Equity capital to assets | 9.4355% | 5,190 |
| Core capital (leverage) ratio | 9.6183% | 3,967 |
| Tier 1 risk-based capital ratio | 12.4906% | 5,490 |
| Total risk-based capital ratio | 13.7140% | 5,515 |
| Memoranda: | ||
| Average total assets | $123,790,000 | 4,322 |
| Average earning assets | $111,176,000 | 4,384 |
| Average equity | $11,560,750 | 4,676 |
| Average total loans | $85,221,500 | 4,025 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 4,577 |
| Cost of funding earning assets | 0.7503% | 5,667 |
| Net interest margin | 3.9385% | 3,132 |
| Noninterest income to average assets | 0.4509% | 4,277 |
| Noninterest expense to average assets | 2.6221% | 5,107 |
| Loan and lease loss provision to assets | 0.0490% | 5,698 |
| Net operating income to assets | 0.9962% | 2,246 |
| Return on assets (ROA) | 0.9067% | 2,714 |
| Pretax return on assets | 1.2024% | 2,471 |
| Return on Equity (ROE) | 9.7440% | 2,214 |
| Retained earnings to average equity (ytd only) | 3.8625% | 3,745 |
| Net charge-offs to loans | 0.0693% | 4,947 |
| Credit loss provision to net charge-offs | 103.4483% | 2,987 |
| Earnings coverage of net charge-offs (x) | 28.9310% | 952 |
| Efficiency ratio | 65.6710% | 4,941 |
| Assets per employee ($millions) | 4.0566% | 3,640 |
| Cash dividends to net income (ytd only)* | 60.3604% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 5,078 |
| Loan loss allowance to noncurrent loans | 114.8262% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 5,177 |
| Noncurrent loans to loans | 1.1291% | 4,773 |
| Net loans and leases to total assets | 70.2512% | 2,168 |
| Net loans and leases to deposits | 80.4833% | 2,711 |
| Net loans and leases to core deposits | 89.7472% | 2,407 |
| Total domestic deposits to total assets | 87.2867% | 2,577 |
| Equity capital to assets | 9.5843% | 4,681 |
| Core capital (leverage) ratio | 9.6094% | 3,797 |
| Tier 1 risk-based capital ratio | 12.6944% | 5,183 |
| Total risk-based capital ratio | 13.9222% | 5,172 |
| Memoranda: | ||
| Average total assets | $122,420,000 | 4,379 |
| Average earning assets | $110,093,670 | 4,443 |
| Average equity | $11,391,670 | 4,717 |
| Average total loans | $83,669,670 | 4,105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 4,788 |
| Cost of funding earning assets | 0.7768% | 5,698 |
| Net interest margin | 3.8619% | 3,332 |
| Noninterest income to average assets | 0.4137% | 4,594 |
| Noninterest expense to average assets | 2.6226% | 5,143 |
| Loan and lease loss provision to assets | 0.0489% | 5,387 |
| Net operating income to assets | 0.6058% | 4,004 |
| Return on assets (ROA) | 0.5245% | 4,467 |
| Pretax return on assets | 1.0653% | 2,883 |
| Return on Equity (ROE) | 5.7216% | 4,055 |
| Retained earnings to average equity (ytd only) | -1.3860% | 6,059 |
| Net charge-offs to loans | -0.0049% | 6,235 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8752% | 4,680 |
| Assets per employee ($millions) | 3.7767% | 4,354 |
| Cash dividends to net income (ytd only)* | 124.2236% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 4,801 |
| Loan loss allowance to noncurrent loans | 172.6859% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 5,757 |
| Noncurrent loans to loans | 0.7947% | 5,444 |
| Net loans and leases to total assets | 69.8563% | 2,156 |
| Net loans and leases to deposits | 79.4249% | 2,820 |
| Net loans and leases to core deposits | 89.4639% | 2,415 |
| Total domestic deposits to total assets | 87.9526% | 2,398 |
| Equity capital to assets | 9.5816% | 4,332 |
| Core capital (leverage) ratio | 9.3197% | 4,098 |
| Tier 1 risk-based capital ratio | 12.9917% | 4,831 |
| Total risk-based capital ratio | 14.2311% | 4,827 |
| Memoranda: | ||
| Average total assets | $122,780,500 | 4,397 |
| Average earning assets | $109,687,500 | 4,482 |
| Average equity | $11,255,500 | 4,731 |
| Average total loans | $82,195,500 | 4,191 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 3,047 |
| Cost of funding earning assets | 1.0275% | 5,545 |
| Net interest margin | 4.2881% | 1,862 |
| Noninterest income to average assets | 0.4952% | 4,205 |
| Noninterest expense to average assets | 2.8018% | 4,603 |
| Loan and lease loss provision to assets | 0.1703% | 5,522 |
| Net operating income to assets | 0.7762% | 2,893 |
| Return on assets (ROA) | 0.7138% | 3,304 |
| Pretax return on assets | 1.1484% | 2,401 |
| Return on Equity (ROE) | 7.5567% | 2,866 |
| Retained earnings to average equity (ytd only) | 7.5567% | 1,130 |
| Net charge-offs to loans | 0.0969% | 5,882 |
| Credit loss provision to net charge-offs | 242.5000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 20.1625% | 1,020 |
| Efficiency ratio | 66.4238% | 4,889 |
| Assets per employee ($millions) | 4.1446% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,622 |
| Loan loss allowance to noncurrent loans | 105.0562% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 5,276 |
| Noncurrent loans to loans | 1.3110% | 4,523 |
| Net loans and leases to total assets | 62.5333% | 4,162 |
| Net loans and leases to deposits | 70.0624% | 4,809 |
| Net loans and leases to core deposits | 80.4341% | 4,148 |
| Total domestic deposits to total assets | 89.2537% | 1,514 |
| Equity capital to assets | 8.7896% | 5,449 |
| Core capital (leverage) ratio | 9.2174% | 4,145 |
| Tier 1 risk-based capital ratio | 13.0165% | 4,587 |
| Total risk-based capital ratio | 14.2553% | 4,560 |
| Memoranda: | ||
| Average total assets | $113,893,000 | 4,617 |
| Average earning assets | $98,877,800 | 4,752 |
| Average equity | $10,758,600 | 4,917 |
| Average total loans | $82,563,000 | 4,258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5447% | 2,273 |
| Cost of funding earning assets | 1.0816% | 5,541 |
| Net interest margin | 4.4631% | 1,337 |
| Noninterest income to average assets | 0.5079% | 4,119 |
| Noninterest expense to average assets | 2.9025% | 4,081 |
| Loan and lease loss provision to assets | 0.2177% | 4,894 |
| Net operating income to assets | 0.7916% | 3,039 |
| Return on assets (ROA) | 0.7111% | 3,518 |
| Pretax return on assets | 1.1296% | 2,733 |
| Return on Equity (ROE) | 7.3786% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.3786% | 1,658 |
| Net charge-offs to loans | 0.1352% | 5,214 |
| Credit loss provision to net charge-offs | 214.2857% | 1,633 |
| Earnings coverage of net charge-offs (x) | 14.4996% | 1,510 |
| Efficiency ratio | 66.3350% | 4,790 |
| Assets per employee ($millions) | 4.1053% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,663 |
| Loan loss allowance to noncurrent loans | 145.8388% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 5,721 |
| Noncurrent loans to loans | 0.9335% | 5,364 |
| Net loans and leases to total assets | 69.5877% | 2,832 |
| Net loans and leases to deposits | 78.8784% | 3,653 |
| Net loans and leases to core deposits | 96.0091% | 2,260 |
| Total domestic deposits to total assets | 88.2215% | 1,844 |
| Equity capital to assets | 9.6079% | 4,678 |
| Core capital (leverage) ratio | 9.4536% | 3,976 |
| Tier 1 risk-based capital ratio | 12.7860% | 4,742 |
| Total risk-based capital ratio | 14.0228% | 4,732 |
| Memoranda: | ||
| Average total assets | $110,245,750 | 4,759 |
| Average earning assets | $95,536,500 | 4,909 |
| Average equity | $10,625,000 | 5,015 |
| Average total loans | $82,837,250 | 4,325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 2,203 |
| Cost of funding earning assets | 1.0727% | 5,813 |
| Net interest margin | 4.5099% | 1,184 |
| Noninterest income to average assets | 0.5171% | 3,976 |
| Noninterest expense to average assets | 2.9721% | 3,820 |
| Loan and lease loss provision to assets | 0.3036% | 3,968 |
| Net operating income to assets | 0.8001% | 2,975 |
| Return on assets (ROA) | 0.7288% | 3,431 |
| Pretax return on assets | 1.0747% | 2,865 |
| Return on Equity (ROE) | 7.5534% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.5534% | 1,621 |
| Net charge-offs to loans | 0.0503% | 5,684 |
| Credit loss provision to net charge-offs | 785.7143% | 472 |
| Earnings coverage of net charge-offs (x) | 38.3810% | 753 |
| Efficiency ratio | 66.7080% | 4,839 |
| Assets per employee ($millions) | 3.9101% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,412 |
| Loan loss allowance to noncurrent loans | 158.8966% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 5,795 |
| Noncurrent loans to loans | 0.8817% | 5,506 |
| Net loans and leases to total assets | 71.4985% | 2,534 |
| Net loans and leases to deposits | 80.9487% | 3,439 |
| Net loans and leases to core deposits | 95.8945% | 2,449 |
| Total domestic deposits to total assets | 88.3257% | 1,816 |
| Equity capital to assets | 9.4961% | 4,706 |
| Core capital (leverage) ratio | 9.9476% | 3,225 |
| Tier 1 risk-based capital ratio | 12.1116% | 5,209 |
| Total risk-based capital ratio | 13.3279% | 5,214 |
| Memoranda: | ||
| Average total assets | $108,678,670 | 4,843 |
| Average earning assets | $94,901,330 | 4,962 |
| Average equity | $10,485,330 | 5,066 |
| Average total loans | $83,418,670 | 4,342 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6293% | 2,032 |
| Cost of funding earning assets | 1.0354% | 6,201 |
| Net interest margin | 4.5939% | 961 |
| Noninterest income to average assets | 0.5380% | 3,749 |
| Noninterest expense to average assets | 3.1113% | 3,220 |
| Loan and lease loss provision to assets | 0.1843% | 4,664 |
| Net operating income to assets | 0.8954% | 2,560 |
| Return on assets (ROA) | 0.8954% | 2,634 |
| Pretax return on assets | 1.3318% | 1,960 |
| Return on Equity (ROE) | 9.2034% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.2034% | 1,345 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2358% | 4,873 |
| Assets per employee ($millions) | 3.8137% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 5,238 |
| Loan loss allowance to noncurrent loans | 168.4211% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 5,944 |
| Noncurrent loans to loans | 0.7401% | 5,842 |
| Net loans and leases to total assets | 78.3423% | 1,085 |
| Net loans and leases to deposits | 89.1296% | 2,049 |
| Net loans and leases to core deposits | 109.1202% | 1,345 |
| Total domestic deposits to total assets | 87.8971% | 2,118 |
| Equity capital to assets | 9.8020% | 4,104 |
| Core capital (leverage) ratio | 10.2140% | 2,918 |
| Tier 1 risk-based capital ratio | 11.9147% | 5,283 |
| Total risk-based capital ratio | 13.0781% | 5,314 |
| Memoranda: | ||
| Average total assets | $106,321,000 | 4,973 |
| Average earning assets | $94,647,000 | 5,025 |
| Average equity | $10,344,000 | 5,139 |
| Average total loans | $84,014,500 | 4,382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6676% | 3,266 |
| Cost of funding earning assets | 1.2501% | 6,472 |
| Net interest margin | 4.4175% | 1,387 |
| Noninterest income to average assets | 0.5756% | 3,813 |
| Noninterest expense to average assets | 2.8592% | 4,699 |
| Loan and lease loss provision to assets | 0.1157% | 6,488 |
| Net operating income to assets | 1.1491% | 1,388 |
| Return on assets (ROA) | 1.1057% | 1,531 |
| Pretax return on assets | 1.4803% | 1,233 |
| Return on Equity (ROE) | 12.2479% | 1,099 |
| Retained earnings to average equity (ytd only) | 12.2479% | 192 |
| Net charge-offs to loans | 0.0158% | 6,998 |
| Credit loss provision to net charge-offs | 938.4615% | 311 |
| Earnings coverage of net charge-offs (x) | 134.1538% | 216 |
| Efficiency ratio | 63.3536% | 5,902 |
| Assets per employee ($millions) | 3.7806% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 5,297 |
| Loan loss allowance to noncurrent loans | 142.3729% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 5,685 |
| Noncurrent loans to loans | 0.8498% | 5,594 |
| Net loans and leases to total assets | 77.7532% | 1,438 |
| Net loans and leases to deposits | 89.4915% | 2,302 |
| Net loans and leases to core deposits | 134.3629% | 1,033 |
| Total domestic deposits to total assets | 86.8834% | 2,569 |
| Equity capital to assets | 9.6554% | 4,206 |
| Core capital (leverage) ratio | 9.9343% | 3,154 |
| Tier 1 risk-based capital ratio | 11.8536% | 5,070 |
| Total risk-based capital ratio | 12.9833% | 5,131 |
| Memoranda: | ||
| Average total assets | $105,449,000 | 4,944 |
| Average earning assets | $93,990,200 | 5,010 |
| Average equity | $9,520,000 | 5,441 |
| Average total loans | $82,089,200 | 4,444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6677% | 3,487 |
| Cost of funding earning assets | 1.2846% | 6,602 |
| Net interest margin | 4.3831% | 1,485 |
| Noninterest income to average assets | 0.5214% | 4,305 |
| Noninterest expense to average assets | 2.8502% | 4,667 |
| Loan and lease loss provision to assets | 0.1354% | 6,003 |
| Net operating income to assets | 0.9230% | 2,334 |
| Return on assets (ROA) | 0.9302% | 2,372 |
| Pretax return on assets | 1.4555% | 1,538 |
| Return on Equity (ROE) | 10.4870% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.4870% | 549 |
| Net charge-offs to loans | 0.0212% | 6,601 |
| Credit loss provision to net charge-offs | 823.0769% | 466 |
| Earnings coverage of net charge-offs (x) | 96.0162% | 369 |
| Efficiency ratio | 64.3429% | 5,683 |
| Assets per employee ($millions) | 3.6809% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 5,159 |
| Loan loss allowance to noncurrent loans | 112.5850% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 5,347 |
| Noncurrent loans to loans | 1.0595% | 5,197 |
| Net loans and leases to total assets | 77.0556% | 1,777 |
| Net loans and leases to deposits | 85.2875% | 3,451 |
| Net loans and leases to core deposits | 143.7412% | 772 |
| Total domestic deposits to total assets | 90.3480% | 645 |
| Equity capital to assets | 9.0683% | 5,387 |
| Core capital (leverage) ratio | 9.6246% | 3,751 |
| Tier 1 risk-based capital ratio | 11.5095% | 5,418 |
| Total risk-based capital ratio | 12.6358% | 5,492 |
| Memoranda: | ||
| Average total assets | $105,346,750 | 4,980 |
| Average earning assets | $93,934,000 | 5,040 |
| Average equity | $9,344,750 | 5,541 |
| Average total loans | $81,782,500 | 4,491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6725% | 3,702 |
| Cost of funding earning assets | 1.3146% | 6,753 |
| Net interest margin | 4.3579% | 1,503 |
| Noninterest income to average assets | 0.5206% | 4,270 |
| Noninterest expense to average assets | 2.8547% | 4,713 |
| Loan and lease loss provision to assets | 0.1335% | 5,755 |
| Net operating income to assets | 0.8891% | 2,496 |
| Return on assets (ROA) | 0.9001% | 2,564 |
| Pretax return on assets | 1.4435% | 1,609 |
| Return on Equity (ROE) | 10.2242% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.2242% | 683 |
| Net charge-offs to loans | 0.0320% | 6,009 |
| Credit loss provision to net charge-offs | 538.4615% | 862 |
| Earnings coverage of net charge-offs (x) | 62.9231% | 572 |
| Efficiency ratio | 64.6652% | 5,780 |
| Assets per employee ($millions) | 3.7430% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,315 |
| Loan loss allowance to noncurrent loans | 73.1446% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 4,360 |
| Noncurrent loans to loans | 1.5629% | 4,154 |
| Net loans and leases to total assets | 78.8806% | 1,548 |
| Net loans and leases to deposits | 93.2417% | 2,223 |
| Net loans and leases to core deposits | 151.8692% | 603 |
| Total domestic deposits to total assets | 84.5979% | 3,444 |
| Equity capital to assets | 8.9987% | 5,321 |
| Core capital (leverage) ratio | 9.3403% | 4,115 |
| Tier 1 risk-based capital ratio | 11.1967% | 5,679 |
| Total risk-based capital ratio | 12.2797% | 5,770 |
| Memoranda: | ||
| Average total assets | $104,880,670 | 5,020 |
| Average earning assets | $93,715,000 | 5,075 |
| Average equity | $9,233,000 | 5,605 |
| Average total loans | $81,294,670 | 4,549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 4,066 |
| Cost of funding earning assets | 1.3732% | 6,802 |
| Net interest margin | 4.2742% | 1,662 |
| Noninterest income to average assets | 0.5071% | 4,258 |
| Noninterest expense to average assets | 2.7526% | 4,767 |
| Loan and lease loss provision to assets | 0.1029% | 5,653 |
| Net operating income to assets | 0.8473% | 2,920 |
| Return on assets (ROA) | 0.8692% | 2,988 |
| Pretax return on assets | 1.4830% | 1,714 |
| Return on Equity (ROE) | 9.9847% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.9847% | 1,202 |
| Net charge-offs to loans | 0.0399% | 4,934 |
| Credit loss provision to net charge-offs | 337.5000% | 1,474 |
| Earnings coverage of net charge-offs (x) | 50.8750% | 718 |
| Efficiency ratio | 63.9504% | 5,696 |
| Assets per employee ($millions) | 3.6902% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,213 |
| Loan loss allowance to noncurrent loans | 94.0574% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 4,830 |
| Noncurrent loans to loans | 1.2081% | 4,553 |
| Net loans and leases to total assets | 77.2969% | 1,970 |
| Net loans and leases to deposits | 88.9764% | 3,111 |
| Net loans and leases to core deposits | 142.4594% | 987 |
| Total domestic deposits to total assets | 86.8735% | 2,281 |
| Equity capital to assets | 8.7326% | 5,718 |
| Core capital (leverage) ratio | 9.2424% | 4,342 |
| Tier 1 risk-based capital ratio | 11.1670% | 5,736 |
| Total risk-based capital ratio | 12.2304% | 5,820 |
| Memoranda: | ||
| Average total assets | $104,919,000 | 5,045 |
| Average earning assets | $93,210,000 | 5,111 |
| Average equity | $9,134,000 | 5,648 |
| Average total loans | $80,129,000 | 4,614 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4161% | 3,330 |
| Cost of funding earning assets | 2.1024% | 6,040 |
| Net interest margin | 4.3136% | 1,935 |
| Noninterest income to average assets | 0.5345% | 4,366 |
| Noninterest expense to average assets | 2.6804% | 5,337 |
| Loan and lease loss provision to assets | 0.1520% | 5,421 |
| Net operating income to assets | 1.0066% | 2,532 |
| Return on assets (ROA) | 1.0066% | 2,414 |
| Pretax return on assets | 1.5350% | 1,579 |
| Return on Equity (ROE) | 11.4506% | 1,772 |
| Retained earnings to average equity (ytd only) | 11.4506% | 276 |
| Net charge-offs to loans | 0.0127% | 6,737 |
| Credit loss provision to net charge-offs | 1,677.7778% | 254 |
| Earnings coverage of net charge-offs (x) | 186.2222% | 251 |
| Efficiency ratio | 61.3736% | 6,087 |
| Assets per employee ($millions) | 3.8040% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 5,047 |
| Loan loss allowance to noncurrent loans | 304.7458% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,473 |
| Noncurrent loans to loans | 0.3712% | 6,244 |
| Net loans and leases to total assets | 73.7694% | 3,162 |
| Net loans and leases to deposits | 83.7105% | 4,465 |
| Net loans and leases to core deposits | 131.6258% | 1,753 |
| Total domestic deposits to total assets | 88.1245% | 1,418 |
| Equity capital to assets | 8.6797% | 5,839 |
| Core capital (leverage) ratio | 8.9288% | 4,849 |
| Tier 1 risk-based capital ratio | 10.7907% | 5,926 |
| Total risk-based capital ratio | 11.8215% | 6,037 |
| Memoranda: | ||
| Average total assets | $99,349,200 | 5,072 |
| Average earning assets | $88,278,600 | 5,140 |
| Average equity | $8,733,200 | 5,834 |
| Average total loans | $70,657,400 | 4,843 |