Home > First Resource Bank > Performance and Condition Ratios
First Resource Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5209% | 1,129 |
| Cost of funding earning assets | 2.0456% | 858 |
| Net interest margin | 3.4752% | 2,244 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.1292% | 3,325 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.0832% | 1,967 |
| Return on assets (ROA) | 1.0832% | 1,940 |
| Pretax return on assets | 1.3613% | 1,718 |
| Return on Equity (ROE) | 14.1900% | 1,445 |
| Retained earnings to average equity (ytd only) | 14.0544% | 397 |
| Net charge-offs to loans | -0.0160% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.3294% | 2,934 |
| Assets per employee ($millions) | 9.4151% | 855 |
| Cash dividends to net income (ytd only)* | 0.9714% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 3,938 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 87.4700% | 104 |
| Net loans and leases to deposits | 105.5383% | 305 |
| Net loans and leases to core deposits | 129.1124% | 413 |
| Total domestic deposits to total assets | 82.8800% | 2,920 |
| Equity capital to assets | 7.6279% | 3,643 |
| Core capital (leverage) ratio | 8.1628% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3451% | 2,480 |
| Memoranda: | ||
| Average total assets | $560,723,800 | 1,582 |
| Average earning assets | $533,721,200 | 1,539 |
| Average equity | $42,798,000 | 1,795 |
| Average total loans | $499,233,200 | 1,236 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 1,108 |
| Cost of funding earning assets | 1.8954% | 866 |
| Net interest margin | 3.5214% | 2,169 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.1509% | 3,211 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0642% | 2,172 |
| Return on assets (ROA) | 1.0642% | 2,160 |
| Pretax return on assets | 1.3356% | 1,939 |
| Return on Equity (ROE) | 13.9400% | 1,669 |
| Retained earnings to average equity (ytd only) | 13.9403% | 681 |
| Net charge-offs to loans | -0.0212% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.0229% | 2,839 |
| Assets per employee ($millions) | 9.6793% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 3,791 |
| Loan loss allowance to noncurrent loans | 641.5730% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 2,746 |
| Noncurrent loans to loans | 0.1374% | 2,869 |
| Net loans and leases to total assets | 88.4600% | 67 |
| Net loans and leases to deposits | 105.6868% | 297 |
| Net loans and leases to core deposits | 127.1488% | 391 |
| Total domestic deposits to total assets | 83.7000% | 2,858 |
| Equity capital to assets | 7.5977% | 3,295 |
| Core capital (leverage) ratio | 8.1492% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1980% | 2,547 |
| Memoranda: | ||
| Average total assets | $550,263,500 | 1,610 |
| Average earning assets | $523,912,750 | 1,563 |
| Average equity | $42,006,750 | 1,801 |
| Average total loans | $491,195,500 | 1,245 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 1,159 |
| Cost of funding earning assets | 1.7345% | 835 |
| Net interest margin | 3.5082% | 2,245 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.1685% | 3,173 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0335% | 2,309 |
| Return on assets (ROA) | 1.0335% | 2,304 |
| Pretax return on assets | 1.2957% | 2,096 |
| Return on Equity (ROE) | 13.5200% | 1,788 |
| Retained earnings to average equity (ytd only) | 13.5154% | 742 |
| Net charge-offs to loans | -0.0278% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.0208% | 2,713 |
| Assets per employee ($millions) | 9.1118% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 3,819 |
| Loan loss allowance to noncurrent loans | 580.6995% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 2,591 |
| Noncurrent loans to loans | 0.1530% | 2,708 |
| Net loans and leases to total assets | 88.5400% | 68 |
| Net loans and leases to deposits | 105.1278% | 332 |
| Net loans and leases to core deposits | 125.2557% | 402 |
| Total domestic deposits to total assets | 84.2200% | 2,772 |
| Equity capital to assets | 7.5497% | 3,493 |
| Core capital (leverage) ratio | 8.1348% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1833% | 2,578 |
| Memoranda: | ||
| Average total assets | $540,098,667 | 1,634 |
| Average earning assets | $514,735,000 | 1,585 |
| Average equity | $41,301,000 | 1,834 |
| Average total loans | $482,159,000 | 1,249 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 1,109 |
| Cost of funding earning assets | 1.6214% | 670 |
| Net interest margin | 3.4535% | 2,486 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.1574% | 3,234 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9854% | 2,575 |
| Return on assets (ROA) | 0.9854% | 2,544 |
| Pretax return on assets | 1.2364% | 2,338 |
| Return on Equity (ROE) | 12.8000% | 2,020 |
| Retained earnings to average equity (ytd only) | 12.7997% | 1,123 |
| Net charge-offs to loans | 0.0042% | 1,825 |
| Credit loss provision to net charge-offs | 1,300.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 339.4000% | 331 |
| Efficiency ratio | 62.6458% | 2,619 |
| Assets per employee ($millions) | 8.8309% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 3,830 |
| Loan loss allowance to noncurrent loans | 569.1710% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,507 |
| Noncurrent loans to loans | 0.1598% | 2,688 |
| Net loans and leases to total assets | 88.8700% | 51 |
| Net loans and leases to deposits | 102.6490% | 339 |
| Net loans and leases to core deposits | 119.4183% | 453 |
| Total domestic deposits to total assets | 86.5700% | 2,421 |
| Equity capital to assets | 7.6672% | 3,466 |
| Core capital (leverage) ratio | 8.2301% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3159% | 2,625 |
| Memoranda: | ||
| Average total assets | $527,681,000 | 1,687 |
| Average earning assets | $503,020,500 | 1,643 |
| Average equity | $40,626,000 | 1,876 |
| Average total loans | $470,899,000 | 1,283 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 752 |
| Cost of funding earning assets | 0.7293% | 509 |
| Net interest margin | 3.7472% | 1,273 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.1621% | 3,121 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1876% | 1,820 |
| Return on assets (ROA) | 1.1876% | 1,755 |
| Pretax return on assets | 1.4900% | 1,484 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 14.7647% | 307 |
| Net charge-offs to loans | -0.0620% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1025% | 3,455 |
| Assets per employee ($millions) | 8.4701% | 1,103 |
| Cash dividends to net income (ytd only)* | 4.0512% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 3,688 |
| Loan loss allowance to noncurrent loans | 476.8279% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 2,344 |
| Noncurrent loans to loans | 0.1938% | 2,507 |
| Net loans and leases to total assets | 87.9600% | 71 |
| Net loans and leases to deposits | 105.4132% | 258 |
| Net loans and leases to core deposits | 118.2209% | 398 |
| Total domestic deposits to total assets | 83.4400% | 3,324 |
| Equity capital to assets | 7.7321% | 3,230 |
| Core capital (leverage) ratio | 8.1606% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5957% | 2,531 |
| Memoranda: | ||
| Average total assets | $486,375,000 | 1,753 |
| Average earning assets | $463,193,800 | 1,721 |
| Average equity | $37,535,600 | 2,017 |
| Average total loans | $423,923,800 | 1,326 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 736 |
| Cost of funding earning assets | 0.5792% | 486 |
| Net interest margin | 3.7211% | 1,089 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.2066% | 2,914 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2080% | 1,672 |
| Return on assets (ROA) | 1.2080% | 1,646 |
| Pretax return on assets | 1.5171% | 1,365 |
| Return on Equity (ROE) | 15.6600% | 1,049 |
| Retained earnings to average equity (ytd only) | 15.1301% | 352 |
| Net charge-offs to loans | -0.0877% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.3505% | 3,344 |
| Assets per employee ($millions) | 8.3693% | 1,136 |
| Cash dividends to net income (ytd only)* | 3.3887% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 3,991 |
| Loan loss allowance to noncurrent loans | 2,067.3913% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,542 |
| Noncurrent loans to loans | 0.0410% | 3,595 |
| Net loans and leases to total assets | 90.0600% | 27 |
| Net loans and leases to deposits | 101.7921% | 310 |
| Net loans and leases to core deposits | 111.3708% | 428 |
| Total domestic deposits to total assets | 88.4700% | 2,285 |
| Equity capital to assets | 7.8045% | 3,021 |
| Core capital (leverage) ratio | 8.0226% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4275% | 2,677 |
| Memoranda: | ||
| Average total assets | $478,799,000 | 1,789 |
| Average earning assets | $456,013,250 | 1,752 |
| Average equity | $36,932,000 | 2,068 |
| Average total loans | $415,233,250 | 1,342 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 747 |
| Cost of funding earning assets | 0.4871% | 559 |
| Net interest margin | 3.6272% | 1,030 |
| Noninterest income to average assets | 0.2740% | 3,524 |
| Noninterest expense to average assets | 2.2322% | 2,758 |
| Loan and lease loss provision to assets | 0.0173% | 2,291 |
| Net operating income to assets | 1.1731% | 1,525 |
| Return on assets (ROA) | 1.1731% | 1,505 |
| Pretax return on assets | 1.4723% | 1,245 |
| Return on Equity (ROE) | 15.2706% | 840 |
| Retained earnings to average equity (ytd only) | 14.4629% | 319 |
| Net charge-offs to loans | -0.1341% | 4,512 |
| Credit loss provision to net charge-offs | -15.1292% | 2,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9750% | 3,298 |
| Assets per employee ($millions) | 8.2304% | 1,184 |
| Cash dividends to net income (ytd only)* | 5.2897% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 4,037 |
| Loan loss allowance to noncurrent loans | 1,477.6423% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,474 |
| Noncurrent loans to loans | 0.0588% | 3,512 |
| Net loans and leases to total assets | 86.9416% | 68 |
| Net loans and leases to deposits | 99.8321% | 278 |
| Net loans and leases to core deposits | 103.5313% | 529 |
| Total domestic deposits to total assets | 87.0878% | 2,908 |
| Equity capital to assets | 7.8140% | 3,253 |
| Core capital (leverage) ratio | 8.1490% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7676% | 2,581 |
| Memoranda: | ||
| Average total assets | $473,802,333 | 1,810 |
| Average earning assets | $450,379,333 | 1,782 |
| Average equity | $36,396,667 | 2,144 |
| Average total loans | $404,144,000 | 1,359 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 742 |
| Cost of funding earning assets | 0.4842% | 540 |
| Net interest margin | 3.5360% | 1,017 |
| Noninterest income to average assets | 0.3246% | 3,160 |
| Noninterest expense to average assets | 2.2668% | 2,624 |
| Loan and lease loss provision to assets | 0.0186% | 2,023 |
| Net operating income to assets | 1.1245% | 1,460 |
| Return on assets (ROA) | 1.1245% | 1,453 |
| Pretax return on assets | 1.4118% | 1,224 |
| Return on Equity (ROE) | 14.7672% | 692 |
| Retained earnings to average equity (ytd only) | 14.7672% | 306 |
| Net charge-offs to loans | -0.2721% | 4,644 |
| Credit loss provision to net charge-offs | -8.1481% | 2,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3110% | 3,349 |
| Assets per employee ($millions) | 8.1893% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 4,064 |
| Loan loss allowance to noncurrent loans | 1,469.5122% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,524 |
| Noncurrent loans to loans | 0.0607% | 3,551 |
| Net loans and leases to total assets | 84.6196% | 72 |
| Net loans and leases to deposits | 97.4404% | 248 |
| Net loans and leases to core deposits | 101.0281% | 479 |
| Total domestic deposits to total assets | 86.8424% | 2,980 |
| Equity capital to assets | 7.6504% | 3,831 |
| Core capital (leverage) ratio | 7.9678% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7656% | 2,694 |
| Memoranda: | ||
| Average total assets | $472,022,500 | 1,822 |
| Average earning assets | $450,230,500 | 1,788 |
| Average equity | $35,944,500 | 2,217 |
| Average total loans | $396,885,500 | 1,378 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 943 |
| Cost of funding earning assets | 0.6052% | 530 |
| Net interest margin | 3.6268% | 1,394 |
| Noninterest income to average assets | 0.1586% | 4,354 |
| Noninterest expense to average assets | 2.3312% | 2,709 |
| Loan and lease loss provision to assets | 0.1275% | 958 |
| Net operating income to assets | 0.9216% | 2,966 |
| Return on assets (ROA) | 0.9216% | 3,031 |
| Pretax return on assets | 1.1514% | 2,817 |
| Return on Equity (ROE) | 12.4571% | 1,670 |
| Retained earnings to average equity (ytd only) | 12.4571% | 477 |
| Net charge-offs to loans | 0.0431% | 1,417 |
| Credit loss provision to net charge-offs | 358.3851% | 978 |
| Earnings coverage of net charge-offs (x) | 35.9565% | 1,493 |
| Efficiency ratio | 64.5759% | 2,467 |
| Assets per employee ($millions) | 8.5285% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 82.0584% | 177 |
| Net loans and leases to deposits | 96.2299% | 303 |
| Net loans and leases to core deposits | 99.9450% | 540 |
| Total domestic deposits to total assets | 85.2733% | 3,182 |
| Equity capital to assets | 7.5791% | 4,560 |
| Core capital (leverage) ratio | 7.4458% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9021% | 2,662 |
| Memoranda: | ||
| Average total assets | $452,683,000 | 1,829 |
| Average earning assets | $430,793,800 | 1,802 |
| Average equity | $33,491,000 | 2,360 |
| Average total loans | $373,395,800 | 1,445 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 980 |
| Cost of funding earning assets | 0.6263% | 555 |
| Net interest margin | 3.6533% | 1,456 |
| Noninterest income to average assets | 0.1599% | 4,402 |
| Noninterest expense to average assets | 2.2696% | 2,834 |
| Loan and lease loss provision to assets | 0.1536% | 723 |
| Net operating income to assets | 0.9678% | 3,028 |
| Return on assets (ROA) | 0.9678% | 3,110 |
| Pretax return on assets | 1.2094% | 2,897 |
| Return on Equity (ROE) | 13.1648% | 1,648 |
| Retained earnings to average equity (ytd only) | 13.1648% | 614 |
| Net charge-offs to loans | 0.0559% | 1,089 |
| Credit loss provision to net charge-offs | 333.5484% | 946 |
| Earnings coverage of net charge-offs (x) | 29.5871% | 1,532 |
| Efficiency ratio | 62.4775% | 2,616 |
| Assets per employee ($millions) | 8.5080% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,245 |
| Loan loss allowance to noncurrent loans | 3,335.7143% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,053 |
| Noncurrent loans to loans | 0.0258% | 4,010 |
| Net loans and leases to total assets | 80.3366% | 269 |
| Net loans and leases to deposits | 93.5542% | 430 |
| Net loans and leases to core deposits | 97.4048% | 678 |
| Total domestic deposits to total assets | 85.8717% | 2,795 |
| Equity capital to assets | 7.4178% | 4,727 |
| Core capital (leverage) ratio | 7.5958% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9694% | 2,713 |
| Memoranda: | ||
| Average total assets | $448,587,500 | 1,860 |
| Average earning assets | $426,422,250 | 1,833 |
| Average equity | $32,976,000 | 2,417 |
| Average total loans | $369,687,250 | 1,484 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 1,013 |
| Cost of funding earning assets | 0.6580% | 543 |
| Net interest margin | 3.6398% | 1,494 |
| Noninterest income to average assets | 0.1624% | 4,386 |
| Noninterest expense to average assets | 2.2771% | 2,835 |
| Loan and lease loss provision to assets | 0.2312% | 446 |
| Net operating income to assets | 0.8875% | 3,253 |
| Return on assets (ROA) | 0.8875% | 3,329 |
| Pretax return on assets | 1.1074% | 3,190 |
| Return on Equity (ROE) | 12.1120% | 2,014 |
| Retained earnings to average equity (ytd only) | 12.1120% | 890 |
| Net charge-offs to loans | 0.0497% | 1,129 |
| Credit loss provision to net charge-offs | 561.5385% | 648 |
| Earnings coverage of net charge-offs (x) | 32.5165% | 1,268 |
| Efficiency ratio | 62.9801% | 2,579 |
| Assets per employee ($millions) | 8.3195% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,222 |
| Loan loss allowance to noncurrent loans | 2,016.3636% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 4,011 |
| Noncurrent loans to loans | 0.0433% | 3,969 |
| Net loans and leases to total assets | 82.4876% | 200 |
| Net loans and leases to deposits | 95.7027% | 391 |
| Net loans and leases to core deposits | 100.3747% | 649 |
| Total domestic deposits to total assets | 86.1915% | 2,669 |
| Equity capital to assets | 7.2987% | 4,785 |
| Core capital (leverage) ratio | 7.3655% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9237% | 2,741 |
| Memoranda: | ||
| Average total assets | $442,136,333 | 1,873 |
| Average earning assets | $419,472,333 | 1,846 |
| Average equity | $32,397,667 | 2,431 |
| Average total loans | $366,517,333 | 1,499 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 1,296 |
| Cost of funding earning assets | 0.6808% | 588 |
| Net interest margin | 3.4624% | 1,925 |
| Noninterest income to average assets | 0.1639% | 4,379 |
| Noninterest expense to average assets | 2.1905% | 3,135 |
| Loan and lease loss provision to assets | 0.2210% | 527 |
| Net operating income to assets | 0.8342% | 3,315 |
| Return on assets (ROA) | 0.8342% | 3,395 |
| Pretax return on assets | 1.0396% | 3,259 |
| Return on Equity (ROE) | 11.3612% | 2,244 |
| Retained earnings to average equity (ytd only) | 11.3612% | 1,308 |
| Net charge-offs to loans | -0.0189% | 3,970 |
| Credit loss provision to net charge-offs | -1,411.7647% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4739% | 2,533 |
| Assets per employee ($millions) | 8.2297% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,340 |
| Loan loss allowance to noncurrent loans | 826.1097% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 3,763 |
| Noncurrent loans to loans | 0.1008% | 3,800 |
| Net loans and leases to total assets | 84.7611% | 120 |
| Net loans and leases to deposits | 98.5751% | 327 |
| Net loans and leases to core deposits | 103.9869% | 574 |
| Total domestic deposits to total assets | 85.9864% | 2,740 |
| Equity capital to assets | 7.2772% | 4,782 |
| Core capital (leverage) ratio | 7.6203% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3682% | 2,538 |
| Memoranda: | ||
| Average total assets | $434,418,500 | 1,885 |
| Average earning assets | $412,432,000 | 1,863 |
| Average equity | $31,898,000 | 2,444 |
| Average total loans | $359,392,500 | 1,529 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6826% | 927 |
| Cost of funding earning assets | 1.0378% | 515 |
| Net interest margin | 3.6448% | 1,993 |
| Noninterest income to average assets | 0.2077% | 4,232 |
| Noninterest expense to average assets | 2.4292% | 3,057 |
| Loan and lease loss provision to assets | 0.1474% | 2,532 |
| Net operating income to assets | 0.8636% | 2,850 |
| Return on assets (ROA) | 0.8636% | 2,986 |
| Pretax return on assets | 1.0745% | 2,797 |
| Return on Equity (ROE) | 10.9755% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.9755% | 433 |
| Net charge-offs to loans | 0.0491% | 2,095 |
| Credit loss provision to net charge-offs | 355.7692% | 1,566 |
| Earnings coverage of net charge-offs (x) | 29.4872% | 1,628 |
| Efficiency ratio | 66.5333% | 2,443 |
| Assets per employee ($millions) | 8.0082% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,308 |
| Loan loss allowance to noncurrent loans | 759.0078% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 3,870 |
| Noncurrent loans to loans | 0.1130% | 3,837 |
| Net loans and leases to total assets | 79.1720% | 488 |
| Net loans and leases to deposits | 93.8574% | 663 |
| Net loans and leases to core deposits | 99.4433% | 927 |
| Total domestic deposits to total assets | 84.3535% | 2,999 |
| Equity capital to assets | 7.4113% | 4,856 |
| Core capital (leverage) ratio | 7.4689% | 4,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9352% | 1,877 |
| Memoranda: | ||
| Average total assets | $376,466,600 | 1,935 |
| Average earning assets | $355,655,400 | 1,912 |
| Average equity | $29,620,600 | 2,490 |
| Average total loans | $317,887,600 | 1,621 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 1,066 |
| Cost of funding earning assets | 1.1118% | 513 |
| Net interest margin | 3.5881% | 2,313 |
| Noninterest income to average assets | 0.2038% | 4,253 |
| Noninterest expense to average assets | 2.4989% | 2,856 |
| Loan and lease loss provision to assets | 0.1188% | 2,837 |
| Net operating income to assets | 0.7803% | 3,166 |
| Return on assets (ROA) | 0.7803% | 3,282 |
| Pretax return on assets | 0.9683% | 3,166 |
| Return on Equity (ROE) | 9.7523% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.7523% | 818 |
| Net charge-offs to loans | 0.0516% | 1,866 |
| Credit loss provision to net charge-offs | 268.5950% | 1,862 |
| Earnings coverage of net charge-offs (x) | 24.5620% | 1,757 |
| Efficiency ratio | 69.6828% | 1,927 |
| Assets per employee ($millions) | 8.0677% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,404 |
| Loan loss allowance to noncurrent loans | 193.3001% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 2,726 |
| Noncurrent loans to loans | 0.4043% | 2,845 |
| Net loans and leases to total assets | 87.0971% | 102 |
| Net loans and leases to deposits | 104.3146% | 378 |
| Net loans and leases to core deposits | 111.2498% | 661 |
| Total domestic deposits to total assets | 83.4947% | 2,991 |
| Equity capital to assets | 7.6759% | 4,816 |
| Core capital (leverage) ratio | 7.7424% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3873% | 1,698 |
| Memoranda: | ||
| Average total assets | $364,474,750 | 1,961 |
| Average earning assets | $343,570,750 | 1,946 |
| Average equity | $29,161,750 | 2,520 |
| Average total loans | $312,624,500 | 1,634 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 1,218 |
| Cost of funding earning assets | 1.2080% | 486 |
| Net interest margin | 3.5729% | 2,567 |
| Noninterest income to average assets | 0.2372% | 4,056 |
| Noninterest expense to average assets | 2.5675% | 2,774 |
| Loan and lease loss provision to assets | 0.1101% | 2,911 |
| Net operating income to assets | 0.7437% | 3,234 |
| Return on assets (ROA) | 0.7437% | 3,353 |
| Pretax return on assets | 0.9215% | 3,255 |
| Return on Equity (ROE) | 9.1561% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.1561% | 967 |
| Net charge-offs to loans | 0.0823% | 1,426 |
| Credit loss provision to net charge-offs | 157.2581% | 2,094 |
| Earnings coverage of net charge-offs (x) | 14.7339% | 1,937 |
| Efficiency ratio | 71.3367% | 1,782 |
| Assets per employee ($millions) | 7.7072% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 4,437 |
| Loan loss allowance to noncurrent loans | 183.8204% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 2,842 |
| Noncurrent loans to loans | 0.4139% | 2,929 |
| Net loans and leases to total assets | 87.3009% | 84 |
| Net loans and leases to deposits | 103.7904% | 385 |
| Net loans and leases to core deposits | 110.7256% | 712 |
| Total domestic deposits to total assets | 84.1127% | 2,714 |
| Equity capital to assets | 7.6671% | 4,838 |
| Core capital (leverage) ratio | 7.9385% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6834% | 2,322 |
| Memoranda: | ||
| Average total assets | $354,194,667 | 1,987 |
| Average earning assets | $333,284,333 | 1,966 |
| Average equity | $28,767,667 | 2,531 |
| Average total loans | $301,159,333 | 1,660 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 941 |
| Cost of funding earning assets | 1.3552% | 477 |
| Net interest margin | 3.6576% | 2,486 |
| Noninterest income to average assets | 0.3355% | 3,514 |
| Noninterest expense to average assets | 2.6591% | 2,811 |
| Loan and lease loss provision to assets | 0.1701% | 1,726 |
| Net operating income to assets | 0.7560% | 3,076 |
| Return on assets (ROA) | 0.7560% | 3,150 |
| Pretax return on assets | 0.9368% | 3,037 |
| Return on Equity (ROE) | 9.0209% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.0209% | 971 |
| Net charge-offs to loans | 0.1800% | 747 |
| Credit loss provision to net charge-offs | 113.3858% | 1,738 |
| Earnings coverage of net charge-offs (x) | 7.3780% | 1,928 |
| Efficiency ratio | 70.6085% | 2,267 |
| Assets per employee ($millions) | 7.1001% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 4,157 |
| Loan loss allowance to noncurrent loans | 179.9715% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 2,810 |
| Noncurrent loans to loans | 0.4935% | 2,785 |
| Net loans and leases to total assets | 82.6717% | 382 |
| Net loans and leases to deposits | 104.0632% | 365 |
| Net loans and leases to core deposits | 112.8404% | 718 |
| Total domestic deposits to total assets | 79.4437% | 3,968 |
| Equity capital to assets | 8.4447% | 4,854 |
| Core capital (leverage) ratio | 8.5681% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2626% | 2,586 |
| Memoranda: | ||
| Average total assets | $338,612,500 | 2,004 |
| Average earning assets | $317,584,000 | 1,988 |
| Average equity | $28,378,500 | 2,548 |
| Average total loans | $282,238,500 | 1,703 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 998 |
| Cost of funding earning assets | 1.4474% | 470 |
| Net interest margin | 3.7504% | 2,660 |
| Noninterest income to average assets | 0.2729% | 4,043 |
| Noninterest expense to average assets | 2.6328% | 3,088 |
| Loan and lease loss provision to assets | 0.2489% | 741 |
| Net operating income to assets | 0.7352% | 3,749 |
| Return on assets (ROA) | 0.7352% | 3,820 |
| Pretax return on assets | 0.9100% | 3,715 |
| Return on Equity (ROE) | 8.7272% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.7272% | 781 |
| Net charge-offs to loans | 0.1009% | 1,717 |
| Credit loss provision to net charge-offs | 293.2836% | 962 |
| Earnings coverage of net charge-offs (x) | 13.6567% | 2,336 |
| Efficiency ratio | 69.4363% | 2,257 |
| Assets per employee ($millions) | 7.1579% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 3,984 |
| Loan loss allowance to noncurrent loans | 178.7598% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 2,726 |
| Noncurrent loans to loans | 0.5007% | 2,683 |
| Net loans and leases to total assets | 82.5441% | 484 |
| Net loans and leases to deposits | 102.9259% | 420 |
| Net loans and leases to core deposits | 111.7117% | 766 |
| Total domestic deposits to total assets | 80.1976% | 3,935 |
| Equity capital to assets | 8.3161% | 4,977 |
| Core capital (leverage) ratio | 8.6305% | 4,765 |
| Tier 1 risk-based capital ratio | 10.6632% | 4,967 |
| Total risk-based capital ratio | 13.1494% | 4,291 |
| Memoranda: | ||
| Average total assets | $315,828,000 | 2,066 |
| Average earning assets | $296,314,600 | 2,051 |
| Average equity | $26,606,600 | 2,584 |
| Average total loans | $265,716,400 | 1,752 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 993 |
| Cost of funding earning assets | 1.4521% | 479 |
| Net interest margin | 3.7720% | 2,679 |
| Noninterest income to average assets | 0.2772% | 4,092 |
| Noninterest expense to average assets | 2.6071% | 3,151 |
| Loan and lease loss provision to assets | 0.3090% | 472 |
| Net operating income to assets | 0.7266% | 3,923 |
| Return on assets (ROA) | 0.7266% | 3,990 |
| Pretax return on assets | 0.8982% | 3,875 |
| Return on Equity (ROE) | 8.5946% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.5946% | 1,172 |
| Net charge-offs to loans | 0.1201% | 1,299 |
| Credit loss provision to net charge-offs | 305.0847% | 941 |
| Earnings coverage of net charge-offs (x) | 11.9194% | 2,405 |
| Efficiency ratio | 68.3506% | 2,361 |
| Assets per employee ($millions) | 6.7148% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,042 |
| Loan loss allowance to noncurrent loans | 101.1447% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 1,433 |
| Noncurrent loans to loans | 0.8901% | 1,801 |
| Net loans and leases to total assets | 84.4923% | 300 |
| Net loans and leases to deposits | 102.9849% | 451 |
| Net loans and leases to core deposits | 111.8560% | 850 |
| Total domestic deposits to total assets | 82.0434% | 3,469 |
| Equity capital to assets | 8.4809% | 5,011 |
| Core capital (leverage) ratio | 8.6619% | 4,858 |
| Tier 1 risk-based capital ratio | 10.5966% | 5,049 |
| Total risk-based capital ratio | 13.1118% | 4,369 |
| Memoranda: | ||
| Average total assets | $310,680,250 | 2,110 |
| Average earning assets | $291,335,750 | 2,091 |
| Average equity | $26,264,000 | 2,620 |
| Average total loans | $262,095,000 | 1,778 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 1,119 |
| Cost of funding earning assets | 1.4117% | 513 |
| Net interest margin | 3.7328% | 2,821 |
| Noninterest income to average assets | 0.2731% | 4,110 |
| Noninterest expense to average assets | 2.5612% | 3,298 |
| Loan and lease loss provision to assets | 0.4139% | 291 |
| Net operating income to assets | 0.6538% | 4,153 |
| Return on assets (ROA) | 0.6538% | 4,202 |
| Pretax return on assets | 0.8057% | 4,076 |
| Return on Equity (ROE) | 7.7431% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.7431% | 1,499 |
| Net charge-offs to loans | 0.0791% | 1,574 |
| Credit loss provision to net charge-offs | 622.5490% | 511 |
| Earnings coverage of net charge-offs (x) | 18.3431% | 1,862 |
| Efficiency ratio | 67.7414% | 2,579 |
| Assets per employee ($millions) | 6.7964% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 3,956 |
| Loan loss allowance to noncurrent loans | 112.5335% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 1,535 |
| Noncurrent loans to loans | 0.8288% | 1,934 |
| Net loans and leases to total assets | 85.7210% | 235 |
| Net loans and leases to deposits | 105.8211% | 350 |
| Net loans and leases to core deposits | 114.8184% | 737 |
| Total domestic deposits to total assets | 81.0056% | 3,813 |
| Equity capital to assets | 8.5131% | 5,037 |
| Core capital (leverage) ratio | 8.7773% | 4,793 |
| Tier 1 risk-based capital ratio | 10.4222% | 5,129 |
| Total risk-based capital ratio | 12.9807% | 4,457 |
| Memoranda: | ||
| Average total assets | $306,803,330 | 2,142 |
| Average earning assets | $288,310,330 | 2,107 |
| Average equity | $25,907,000 | 2,642 |
| Average total loans | $257,859,330 | 1,804 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 1,262 |
| Cost of funding earning assets | 1.3572% | 536 |
| Net interest margin | 3.6741% | 2,990 |
| Noninterest income to average assets | 0.2053% | 4,520 |
| Noninterest expense to average assets | 2.4391% | 3,659 |
| Loan and lease loss provision to assets | 0.6265% | 162 |
| Net operating income to assets | 0.4883% | 4,552 |
| Return on assets (ROA) | 0.4883% | 4,573 |
| Pretax return on assets | 0.5963% | 4,523 |
| Return on Equity (ROE) | 5.8075% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.8075% | 2,545 |
| Net charge-offs to loans | 0.0270% | 1,914 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 54.6471% | 970 |
| Efficiency ratio | 66.6068% | 2,853 |
| Assets per employee ($millions) | 7.1007% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 3,973 |
| Loan loss allowance to noncurrent loans | 108.9413% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 1,902 |
| Noncurrent loans to loans | 0.8701% | 1,903 |
| Net loans and leases to total assets | 83.8161% | 390 |
| Net loans and leases to deposits | 103.3495% | 425 |
| Net loans and leases to core deposits | 113.1116% | 782 |
| Total domestic deposits to total assets | 81.0997% | 3,951 |
| Equity capital to assets | 8.4594% | 5,016 |
| Core capital (leverage) ratio | 8.9388% | 4,690 |
| Tier 1 risk-based capital ratio | 10.7276% | 5,096 |
| Total risk-based capital ratio | 13.3960% | 4,263 |
| Memoranda: | ||
| Average total assets | $303,888,000 | 2,181 |
| Average earning assets | $285,890,000 | 2,139 |
| Average equity | $25,553,000 | 2,676 |
| Average total loans | $251,531,000 | 1,849 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 997 |
| Cost of funding earning assets | 1.1765% | 369 |
| Net interest margin | 3.8480% | 2,509 |
| Noninterest income to average assets | 0.2137% | 4,631 |
| Noninterest expense to average assets | 2.6745% | 3,113 |
| Loan and lease loss provision to assets | 0.1870% | 1,030 |
| Net operating income to assets | 0.7894% | 3,845 |
| Return on assets (ROA) | 0.7894% | 3,846 |
| Pretax return on assets | 0.9717% | 3,697 |
| Return on Equity (ROE) | 8.9792% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.9792% | 872 |
| Net charge-offs to loans | 0.1192% | 1,548 |
| Credit loss provision to net charge-offs | 186.5455% | 1,527 |
| Earnings coverage of net charge-offs (x) | 11.5564% | 2,616 |
| Efficiency ratio | 69.7708% | 2,228 |
| Assets per employee ($millions) | 7.2011% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 4,491 |
| Loan loss allowance to noncurrent loans | 71.3517% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 1,494 |
| Noncurrent loans to loans | 1.1398% | 1,405 |
| Net loans and leases to total assets | 80.2481% | 901 |
| Net loans and leases to deposits | 102.7544% | 547 |
| Net loans and leases to core deposits | 113.5992% | 793 |
| Total domestic deposits to total assets | 78.0970% | 4,472 |
| Equity capital to assets | 8.3575% | 5,011 |
| Core capital (leverage) ratio | 9.0531% | 4,600 |
| Tier 1 risk-based capital ratio | 11.0904% | 4,932 |
| Total risk-based capital ratio | 13.6907% | 4,047 |
| Memoranda: | ||
| Average total assets | $274,260,000 | 2,300 |
| Average earning assets | $257,979,400 | 2,277 |
| Average equity | $24,111,200 | 2,720 |
| Average total loans | $230,711,200 | 1,942 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 861 |
| Cost of funding earning assets | 1.1239% | 360 |
| Net interest margin | 3.9164% | 2,235 |
| Noninterest income to average assets | 0.1911% | 4,832 |
| Noninterest expense to average assets | 2.7054% | 2,967 |
| Loan and lease loss provision to assets | 0.2171% | 767 |
| Net operating income to assets | 0.7764% | 3,988 |
| Return on assets (ROA) | 0.7764% | 3,998 |
| Pretax return on assets | 0.9530% | 3,872 |
| Return on Equity (ROE) | 8.7096% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.7096% | 1,339 |
| Net charge-offs to loans | 0.1115% | 1,380 |
| Credit loss provision to net charge-offs | 228.9474% | 1,256 |
| Earnings coverage of net charge-offs (x) | 12.3420% | 2,458 |
| Efficiency ratio | 69.8082% | 2,229 |
| Assets per employee ($millions) | 6.6100% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,451 |
| Loan loss allowance to noncurrent loans | 70.6653% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 1,280 |
| Noncurrent loans to loans | 1.2054% | 1,409 |
| Net loans and leases to total assets | 85.7707% | 286 |
| Net loans and leases to deposits | 104.4025% | 527 |
| Net loans and leases to core deposits | 115.2563% | 749 |
| Total domestic deposits to total assets | 82.1539% | 3,565 |
| Equity capital to assets | 9.0657% | 4,488 |
| Core capital (leverage) ratio | 9.1846% | 4,528 |
| Tier 1 risk-based capital ratio | 11.3138% | 4,890 |
| Total risk-based capital ratio | 14.0357% | 3,931 |
| Memoranda: | ||
| Average total assets | $267,213,250 | 2,367 |
| Average earning assets | $251,381,000 | 2,338 |
| Average equity | $23,819,750 | 2,756 |
| Average total loans | $227,214,500 | 1,973 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 937 |
| Cost of funding earning assets | 1.0352% | 394 |
| Net interest margin | 3.9068% | 2,181 |
| Noninterest income to average assets | 0.1925% | 4,860 |
| Noninterest expense to average assets | 2.7043% | 3,004 |
| Loan and lease loss provision to assets | 0.2452% | 632 |
| Net operating income to assets | 0.7535% | 4,018 |
| Return on assets (ROA) | 0.7535% | 4,020 |
| Pretax return on assets | 0.9212% | 3,903 |
| Return on Equity (ROE) | 8.5023% | 3,263 |
| Retained earnings to average equity (ytd only) | 8.5023% | 1,407 |
| Net charge-offs to loans | 0.0391% | 2,070 |
| Credit loss provision to net charge-offs | 740.9091% | 542 |
| Earnings coverage of net charge-offs (x) | 35.2500% | 1,384 |
| Efficiency ratio | 69.8659% | 2,337 |
| Assets per employee ($millions) | 6.4635% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,467 |
| Loan loss allowance to noncurrent loans | 61.3575% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 1,093 |
| Noncurrent loans to loans | 1.4188% | 1,192 |
| Net loans and leases to total assets | 85.3162% | 325 |
| Net loans and leases to deposits | 103.4847% | 552 |
| Net loans and leases to core deposits | 114.4682% | 773 |
| Total domestic deposits to total assets | 82.4433% | 3,581 |
| Equity capital to assets | 8.8489% | 4,680 |
| Core capital (leverage) ratio | 9.1288% | 4,543 |
| Tier 1 risk-based capital ratio | 11.0706% | 5,015 |
| Total risk-based capital ratio | 13.8126% | 4,045 |
| Memoranda: | ||
| Average total assets | $265,947,000 | 2,375 |
| Average earning assets | $250,384,670 | 2,355 |
| Average equity | $23,570,000 | 2,791 |
| Average total loans | $224,804,000 | 1,990 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 1,059 |
| Cost of funding earning assets | 0.9439% | 481 |
| Net interest margin | 3.8675% | 2,166 |
| Noninterest income to average assets | 0.1748% | 4,977 |
| Noninterest expense to average assets | 2.7281% | 2,949 |
| Loan and lease loss provision to assets | 0.2037% | 812 |
| Net operating income to assets | 0.7310% | 3,982 |
| Return on assets (ROA) | 0.7310% | 3,988 |
| Pretax return on assets | 0.8861% | 3,892 |
| Return on Equity (ROE) | 8.2419% | 3,276 |
| Retained earnings to average equity (ytd only) | 8.2419% | 1,751 |
| Net charge-offs to loans | -0.0036% | 3,913 |
| Credit loss provision to net charge-offs | -6,700.0000% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4570% | 2,270 |
| Assets per employee ($millions) | 6.4454% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 4,658 |
| Loan loss allowance to noncurrent loans | 62.8286% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1656% | 1,315 |
| Noncurrent loans to loans | 1.3457% | 1,327 |
| Net loans and leases to total assets | 85.8822% | 269 |
| Net loans and leases to deposits | 104.6814% | 447 |
| Net loans and leases to core deposits | 138.4552% | 233 |
| Total domestic deposits to total assets | 82.0415% | 3,951 |
| Equity capital to assets | 9.1243% | 4,437 |
| Core capital (leverage) ratio | 9.2421% | 4,389 |
| Tier 1 risk-based capital ratio | 11.3191% | 4,967 |
| Total risk-based capital ratio | 14.1156% | 3,917 |
| Memoranda: | ||
| Average total assets | $263,186,000 | 2,421 |
| Average earning assets | $247,910,500 | 2,399 |
| Average equity | $23,344,000 | 2,831 |
| Average total loans | $220,385,500 | 2,035 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 1,114 |
| Cost of funding earning assets | 0.9083% | 356 |
| Net interest margin | 3.8267% | 2,334 |
| Noninterest income to average assets | 0.2347% | 4,729 |
| Noninterest expense to average assets | 2.6415% | 3,310 |
| Loan and lease loss provision to assets | 0.1418% | 1,600 |
| Net operating income to assets | 0.6783% | 3,688 |
| Return on assets (ROA) | 0.6783% | 3,742 |
| Pretax return on assets | 1.0519% | 3,375 |
| Return on Equity (ROE) | 8.1064% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.1064% | 727 |
| Net charge-offs to loans | 0.0873% | 2,220 |
| Credit loss provision to net charge-offs | 196.1111% | 1,393 |
| Earnings coverage of net charge-offs (x) | 16.5056% | 2,175 |
| Efficiency ratio | 68.8738% | 2,727 |
| Assets per employee ($millions) | 6.8860% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,807 |
| Loan loss allowance to noncurrent loans | 57.8791% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 1,325 |
| Noncurrent loans to loans | 1.3920% | 1,236 |
| Net loans and leases to total assets | 80.3232% | 914 |
| Net loans and leases to deposits | 102.2807% | 589 |
| Net loans and leases to core deposits | 134.2494% | 277 |
| Total domestic deposits to total assets | 78.5321% | 4,637 |
| Equity capital to assets | 8.6254% | 5,011 |
| Core capital (leverage) ratio | 9.2741% | 4,322 |
| Tier 1 risk-based capital ratio | 11.4335% | 4,893 |
| Total risk-based capital ratio | 14.2509% | 3,802 |
| Memoranda: | ||
| Average total assets | $248,874,000 | 2,496 |
| Average earning assets | $234,169,600 | 2,465 |
| Average equity | $20,823,000 | 3,050 |
| Average total loans | $206,126,400 | 2,109 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 1,005 |
| Cost of funding earning assets | 0.9171% | 319 |
| Net interest margin | 3.8427% | 2,243 |
| Noninterest income to average assets | 0.2684% | 4,590 |
| Noninterest expense to average assets | 2.7043% | 3,054 |
| Loan and lease loss provision to assets | 0.1443% | 1,461 |
| Net operating income to assets | 0.7028% | 3,965 |
| Return on assets (ROA) | 0.7028% | 4,029 |
| Pretax return on assets | 1.0335% | 3,553 |
| Return on Equity (ROE) | 8.4724% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.4724% | 1,028 |
| Net charge-offs to loans | 0.0407% | 2,627 |
| Credit loss provision to net charge-offs | 425.8065% | 736 |
| Earnings coverage of net charge-offs (x) | 34.7600% | 1,431 |
| Efficiency ratio | 69.6607% | 2,588 |
| Assets per employee ($millions) | 6.5518% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,737 |
| Loan loss allowance to noncurrent loans | 55.7433% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 1,255 |
| Noncurrent loans to loans | 1.5346% | 1,214 |
| Net loans and leases to total assets | 82.9092% | 559 |
| Net loans and leases to deposits | 98.5143% | 866 |
| Net loans and leases to core deposits | 129.9459% | 344 |
| Total domestic deposits to total assets | 84.1595% | 3,061 |
| Equity capital to assets | 9.1770% | 4,745 |
| Core capital (leverage) ratio | 9.3624% | 4,334 |
| Tier 1 risk-based capital ratio | 11.5833% | 4,896 |
| Total risk-based capital ratio | 14.5051% | 3,765 |
| Memoranda: | ||
| Average total assets | $243,953,750 | 2,554 |
| Average earning assets | $229,414,000 | 2,525 |
| Average equity | $20,237,750 | 3,137 |
| Average total loans | $203,292,000 | 2,142 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,068 |
| Cost of funding earning assets | 0.9237% | 264 |
| Net interest margin | 3.7719% | 2,397 |
| Noninterest income to average assets | 0.2930% | 4,454 |
| Noninterest expense to average assets | 2.7258% | 2,993 |
| Loan and lease loss provision to assets | 0.1156% | 1,781 |
| Net operating income to assets | 0.6802% | 3,934 |
| Return on assets (ROA) | 0.6802% | 4,003 |
| Pretax return on assets | 1.0013% | 3,566 |
| Return on Equity (ROE) | 8.5090% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.5090% | 997 |
| Net charge-offs to loans | 0.0704% | 1,934 |
| Credit loss provision to net charge-offs | 197.1831% | 1,286 |
| Earnings coverage of net charge-offs (x) | 19.0563% | 1,854 |
| Efficiency ratio | 70.9345% | 2,520 |
| Assets per employee ($millions) | 6.6257% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 4,946 |
| Loan loss allowance to noncurrent loans | 81.3425% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 2,145 |
| Noncurrent loans to loans | 0.9878% | 1,988 |
| Net loans and leases to total assets | 82.9916% | 558 |
| Net loans and leases to deposits | 99.6288% | 767 |
| Net loans and leases to core deposits | 130.5515% | 299 |
| Total domestic deposits to total assets | 83.3008% | 3,467 |
| Equity capital to assets | 9.1299% | 4,773 |
| Core capital (leverage) ratio | 9.2949% | 4,372 |
| Tier 1 risk-based capital ratio | 11.5088% | 4,949 |
| Total risk-based capital ratio | 14.4051% | 3,815 |
| Memoranda: | ||
| Average total assets | $242,281,670 | 2,575 |
| Average earning assets | $228,003,000 | 2,547 |
| Average equity | $19,367,670 | 3,234 |
| Average total loans | $201,656,000 | 2,154 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,074 |
| Cost of funding earning assets | 0.9310% | 238 |
| Net interest margin | 3.6957% | 2,495 |
| Noninterest income to average assets | 0.4252% | 3,477 |
| Noninterest expense to average assets | 2.7138% | 3,091 |
| Loan and lease loss provision to assets | 0.1993% | 829 |
| Net operating income to assets | 0.6759% | 3,807 |
| Return on assets (ROA) | 0.6759% | 3,847 |
| Pretax return on assets | 0.9932% | 3,398 |
| Return on Equity (ROE) | 9.1151% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.1151% | 1,040 |
| Net charge-offs to loans | 0.1320% | 1,132 |
| Credit loss provision to net charge-offs | 181.8182% | 1,080 |
| Earnings coverage of net charge-offs (x) | 10.8788% | 1,915 |
| Efficiency ratio | 69.4728% | 2,976 |
| Assets per employee ($millions) | 7.5243% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 5,041 |
| Loan loss allowance to noncurrent loans | 113.4028% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 2,849 |
| Noncurrent loans to loans | 0.7128% | 2,710 |
| Net loans and leases to total assets | 83.2274% | 445 |
| Net loans and leases to deposits | 98.1799% | 759 |
| Net loans and leases to core deposits | 128.1447% | 286 |
| Total domestic deposits to total assets | 84.7703% | 3,179 |
| Equity capital to assets | 7.5181% | 5,677 |
| Core capital (leverage) ratio | 7.4931% | 5,708 |
| Tier 1 risk-based capital ratio | 9.4389% | 5,778 |
| Total risk-based capital ratio | 12.3589% | 5,147 |
| Memoranda: | ||
| Average total assets | $240,847,500 | 2,607 |
| Average earning assets | $226,859,500 | 2,588 |
| Average equity | $17,860,500 | 3,427 |
| Average total loans | $199,933,000 | 2,185 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 943 |
| Cost of funding earning assets | 0.9876% | 183 |
| Net interest margin | 3.7733% | 2,414 |
| Noninterest income to average assets | 0.1674% | 5,381 |
| Noninterest expense to average assets | 2.7324% | 3,248 |
| Loan and lease loss provision to assets | 0.1033% | 2,320 |
| Net operating income to assets | 0.5909% | 4,253 |
| Return on assets (ROA) | 0.5909% | 4,360 |
| Pretax return on assets | 0.8667% | 3,953 |
| Return on Equity (ROE) | 7.4499% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.4325% | 1,064 |
| Net charge-offs to loans | 0.0516% | 3,006 |
| Credit loss provision to net charge-offs | 233.3333% | 1,236 |
| Earnings coverage of net charge-offs (x) | 21.9063% | 1,756 |
| Efficiency ratio | 73.8009% | 2,314 |
| Assets per employee ($millions) | 6.8833% | 966 |
| Cash dividends to net income (ytd only)* | 0.2342% | 4,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 5,113 |
| Loan loss allowance to noncurrent loans | 109.0470% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,862 |
| Noncurrent loans to loans | 0.7319% | 2,696 |
| Net loans and leases to total assets | 81.4641% | 674 |
| Net loans and leases to deposits | 96.8444% | 922 |
| Net loans and leases to core deposits | 127.3184% | 319 |
| Total domestic deposits to total assets | 84.1185% | 3,384 |
| Equity capital to assets | 7.3133% | 5,753 |
| Core capital (leverage) ratio | 7.6386% | 5,718 |
| Tier 1 risk-based capital ratio | 9.2845% | 5,837 |
| Total risk-based capital ratio | 12.1960% | 5,262 |
| Memoranda: | ||
| Average total assets | $216,802,200 | 2,789 |
| Average earning assets | $203,112,800 | 2,760 |
| Average equity | $17,194,800 | 3,528 |
| Average total loans | $185,932,000 | 2,251 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 924 |
| Cost of funding earning assets | 0.9928% | 178 |
| Net interest margin | 3.7968% | 2,346 |
| Noninterest income to average assets | 0.1411% | 5,551 |
| Noninterest expense to average assets | 2.7846% | 3,065 |
| Loan and lease loss provision to assets | 0.0841% | 2,535 |
| Net operating income to assets | 0.5630% | 4,446 |
| Return on assets (ROA) | 0.5630% | 4,548 |
| Pretax return on assets | 0.8236% | 4,235 |
| Return on Equity (ROE) | 6.9440% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.9206% | 1,667 |
| Net charge-offs to loans | 0.0721% | 2,284 |
| Credit loss provision to net charge-offs | 134.3434% | 1,933 |
| Earnings coverage of net charge-offs (x) | 14.4946% | 2,241 |
| Efficiency ratio | 75.4155% | 2,047 |
| Assets per employee ($millions) | 6.3346% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.3371% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 5,231 |
| Loan loss allowance to noncurrent loans | 56.8095% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 1,652 |
| Noncurrent loans to loans | 1.3828% | 1,588 |
| Net loans and leases to total assets | 84.5952% | 359 |
| Net loans and leases to deposits | 102.0485% | 563 |
| Net loans and leases to core deposits | 136.0344% | 227 |
| Total domestic deposits to total assets | 82.8970% | 3,636 |
| Equity capital to assets | 7.7976% | 5,796 |
| Core capital (leverage) ratio | 7.8178% | 5,757 |
| Tier 1 risk-based capital ratio | 9.4854% | 5,881 |
| Total risk-based capital ratio | 12.4952% | 5,130 |
| Memoranda: | ||
| Average total assets | $210,773,750 | 2,859 |
| Average earning assets | $197,145,000 | 2,826 |
| Average equity | $17,088,750 | 3,569 |
| Average total loans | $182,955,250 | 2,287 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 909 |
| Cost of funding earning assets | 0.9790% | 188 |
| Net interest margin | 3.8084% | 2,288 |
| Noninterest income to average assets | 0.1429% | 5,595 |
| Noninterest expense to average assets | 2.8301% | 2,921 |
| Loan and lease loss provision to assets | 0.0859% | 2,424 |
| Net operating income to assets | 0.5388% | 4,526 |
| Return on assets (ROA) | 0.5388% | 4,635 |
| Pretax return on assets | 0.7841% | 4,338 |
| Return on Equity (ROE) | 6.5561% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.5208% | 1,864 |
| Net charge-offs to loans | 0.0984% | 1,857 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 10.1236% | 2,354 |
| Efficiency ratio | 76.4875% | 2,011 |
| Assets per employee ($millions) | 6.1841% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.5376% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 5,331 |
| Loan loss allowance to noncurrent loans | 61.1720% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 1,832 |
| Noncurrent loans to loans | 1.2691% | 1,794 |
| Net loans and leases to total assets | 88.2036% | 129 |
| Net loans and leases to deposits | 107.6968% | 308 |
| Net loans and leases to core deposits | 145.1926% | 147 |
| Total domestic deposits to total assets | 81.8999% | 4,023 |
| Equity capital to assets | 8.0467% | 5,793 |
| Core capital (leverage) ratio | 8.1482% | 5,634 |
| Tier 1 risk-based capital ratio | 9.4989% | 5,949 |
| Total risk-based capital ratio | 12.5550% | 5,174 |
| Memoranda: | ||
| Average total assets | $207,128,330 | 2,908 |
| Average earning assets | $193,465,330 | 2,891 |
| Average equity | $17,022,330 | 3,586 |
| Average total loans | $180,926,670 | 2,307 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 947 |
| Cost of funding earning assets | 0.9685% | 202 |
| Net interest margin | 3.7822% | 2,364 |
| Noninterest income to average assets | 0.1420% | 5,636 |
| Noninterest expense to average assets | 2.9110% | 2,673 |
| Loan and lease loss provision to assets | 0.0486% | 2,951 |
| Net operating income to assets | 0.4943% | 4,650 |
| Return on assets (ROA) | 0.4943% | 4,749 |
| Pretax return on assets | 0.7161% | 4,472 |
| Return on Equity (ROE) | 5.9506% | 4,013 |
| Retained earnings to average equity (ytd only) | 5.8803% | 2,430 |
| Net charge-offs to loans | 0.1259% | 1,348 |
| Credit loss provision to net charge-offs | 44.6429% | 2,099 |
| Earnings coverage of net charge-offs (x) | 7.0179% | 2,186 |
| Efficiency ratio | 79.1953% | 1,714 |
| Assets per employee ($millions) | 5.9728% | 1,419 |
| Cash dividends to net income (ytd only)* | 1.1811% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 5,393 |
| Loan loss allowance to noncurrent loans | 46.4356% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5635% | 1,283 |
| Noncurrent loans to loans | 1.7011% | 1,327 |
| Net loans and leases to total assets | 87.8256% | 124 |
| Net loans and leases to deposits | 105.6144% | 357 |
| Net loans and leases to core deposits | 140.4593% | 163 |
| Total domestic deposits to total assets | 83.1569% | 3,837 |
| Equity capital to assets | 8.1709% | 5,758 |
| Core capital (leverage) ratio | 8.2101% | 5,647 |
| Tier 1 risk-based capital ratio | 9.5100% | 6,005 |
| Total risk-based capital ratio | 12.6095% | 5,209 |
| Memoranda: | ||
| Average total assets | $205,563,000 | 2,933 |
| Average earning assets | $192,058,000 | 2,909 |
| Average equity | $17,074,000 | 3,575 |
| Average total loans | $177,936,500 | 2,339 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 1,200 |
| Cost of funding earning assets | 0.9027% | 285 |
| Net interest margin | 3.7555% | 2,535 |
| Noninterest income to average assets | 0.3572% | 4,348 |
| Noninterest expense to average assets | 2.7365% | 3,465 |
| Loan and lease loss provision to assets | 0.1466% | 1,612 |
| Net operating income to assets | 0.6113% | 4,215 |
| Return on assets (ROA) | 0.6167% | 4,290 |
| Pretax return on assets | 0.9739% | 3,570 |
| Return on Equity (ROE) | 6.3407% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.7472% | 1,927 |
| Net charge-offs to loans | 0.0898% | 2,537 |
| Credit loss provision to net charge-offs | 190.5405% | 1,450 |
| Earnings coverage of net charge-offs (x) | 14.4527% | 2,293 |
| Efficiency ratio | 71.1024% | 3,052 |
| Assets per employee ($millions) | 6.5016% | 1,099 |
| Cash dividends to net income (ytd only)* | 9.3592% | 4,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 5,346 |
| Loan loss allowance to noncurrent loans | 63.0048% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 1,866 |
| Noncurrent loans to loans | 1.3078% | 1,806 |
| Net loans and leases to total assets | 83.9458% | 399 |
| Net loans and leases to deposits | 105.2216% | 386 |
| Net loans and leases to core deposits | 139.8125% | 167 |
| Total domestic deposits to total assets | 79.7801% | 4,802 |
| Equity capital to assets | 8.4378% | 5,612 |
| Core capital (leverage) ratio | 8.7408% | 5,174 |
| Tier 1 risk-based capital ratio | 10.3531% | 5,839 |
| Total risk-based capital ratio | 13.5507% | 4,656 |
| Memoranda: | ||
| Average total assets | $192,326,400 | 3,021 |
| Average earning assets | $178,802,200 | 3,012 |
| Average equity | $18,704,600 | 3,294 |
| Average total loans | $164,849,800 | 2,403 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 1,176 |
| Cost of funding earning assets | 0.8790% | 320 |
| Net interest margin | 3.7827% | 2,452 |
| Noninterest income to average assets | 0.4324% | 3,851 |
| Noninterest expense to average assets | 2.7643% | 3,331 |
| Loan and lease loss provision to assets | 0.1217% | 1,868 |
| Net operating income to assets | 0.6531% | 4,114 |
| Return on assets (ROA) | 0.6603% | 4,196 |
| Pretax return on assets | 1.0694% | 3,330 |
| Return on Equity (ROE) | 6.5500% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.8269% | 2,350 |
| Net charge-offs to loans | 0.0864% | 2,309 |
| Credit loss provision to net charge-offs | 163.8095% | 1,571 |
| Earnings coverage of net charge-offs (x) | 15.8758% | 2,154 |
| Efficiency ratio | 70.0879% | 3,194 |
| Assets per employee ($millions) | 6.2336% | 1,215 |
| Cash dividends to net income (ytd only)* | 11.0397% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 5,448 |
| Loan loss allowance to noncurrent loans | 54.1895% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 1,749 |
| Noncurrent loans to loans | 1.5277% | 1,639 |
| Net loans and leases to total assets | 83.1173% | 459 |
| Net loans and leases to deposits | 100.2467% | 645 |
| Net loans and leases to core deposits | 132.7709% | 239 |
| Total domestic deposits to total assets | 82.9127% | 3,841 |
| Equity capital to assets | 10.6043% | 3,466 |
| Core capital (leverage) ratio | 10.8325% | 2,666 |
| Tier 1 risk-based capital ratio | 13.2357% | 4,297 |
| Total risk-based capital ratio | 15.3431% | 3,739 |
| Memoranda: | ||
| Average total assets | $188,395,000 | 3,095 |
| Average earning assets | $174,897,250 | 3,077 |
| Average equity | $18,992,000 | 3,298 |
| Average total loans | $162,036,750 | 2,454 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 1,084 |
| Cost of funding earning assets | 0.8603% | 360 |
| Net interest margin | 3.8312% | 2,200 |
| Noninterest income to average assets | 0.5425% | 3,092 |
| Noninterest expense to average assets | 2.8381% | 3,109 |
| Loan and lease loss provision to assets | 0.1191% | 1,859 |
| Net operating income to assets | 0.6711% | 4,027 |
| Return on assets (ROA) | 0.6822% | 4,090 |
| Pretax return on assets | 1.1565% | 2,947 |
| Return on Equity (ROE) | 6.8959% | 3,674 |
| Retained earnings to average equity (ytd only) | 5.9108% | 2,298 |
| Net charge-offs to loans | 0.0786% | 2,264 |
| Credit loss provision to net charge-offs | 174.6032% | 1,377 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,806 |
| Efficiency ratio | 69.2836% | 3,446 |
| Assets per employee ($millions) | 6.6614% | 980 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 5,509 |
| Loan loss allowance to noncurrent loans | 50.3693% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 1,564 |
| Noncurrent loans to loans | 1.6558% | 1,580 |
| Net loans and leases to total assets | 83.9549% | 378 |
| Net loans and leases to deposits | 99.0552% | 717 |
| Net loans and leases to core deposits | 128.8606% | 287 |
| Total domestic deposits to total assets | 84.7557% | 3,237 |
| Equity capital to assets | 9.6009% | 4,536 |
| Core capital (leverage) ratio | 10.1231% | 3,435 |
| Tier 1 risk-based capital ratio | 11.8030% | 5,276 |
| Total risk-based capital ratio | 12.6740% | 5,436 |
| Memoranda: | ||
| Average total assets | $184,701,330 | 3,168 |
| Average earning assets | $171,331,330 | 3,148 |
| Average equity | $18,271,670 | 3,386 |
| Average total loans | $160,321,330 | 2,478 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 978 |
| Cost of funding earning assets | 0.8504% | 382 |
| Net interest margin | 3.8818% | 1,961 |
| Noninterest income to average assets | 0.0931% | 6,111 |
| Noninterest expense to average assets | 2.7241% | 3,508 |
| Loan and lease loss provision to assets | 0.0399% | 3,112 |
| Net operating income to assets | 0.6427% | 4,074 |
| Return on assets (ROA) | 0.6672% | 4,091 |
| Pretax return on assets | 0.9664% | 3,625 |
| Return on Equity (ROE) | 6.6395% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.9189% | 3,101 |
| Net charge-offs to loans | -0.0328% | 5,305 |
| Credit loss provision to net charge-offs | -138.4615% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7253% | 2,860 |
| Assets per employee ($millions) | 6.0132% | 1,392 |
| Cash dividends to net income (ytd only)* | 25.9136% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 5,592 |
| Loan loss allowance to noncurrent loans | 43.3162% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.8565% | 1,311 |
| Noncurrent loans to loans | 1.9439% | 1,371 |
| Net loans and leases to total assets | 87.9964% | 108 |
| Net loans and leases to deposits | 107.9253% | 260 |
| Net loans and leases to core deposits | 142.5344% | 142 |
| Total domestic deposits to total assets | 81.5345% | 4,663 |
| Equity capital to assets | 10.1128% | 4,002 |
| Core capital (leverage) ratio | 10.3551% | 3,156 |
| Tier 1 risk-based capital ratio | 12.1763% | 5,129 |
| Total risk-based capital ratio | 13.0801% | 5,247 |
| Memoranda: | ||
| Average total assets | $180,462,000 | 3,226 |
| Average earning assets | $167,450,000 | 3,214 |
| Average equity | $18,134,000 | 3,421 |
| Average total loans | $158,708,000 | 2,507 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,149 |
| Cost of funding earning assets | 0.8788% | 442 |
| Net interest margin | 3.9047% | 2,221 |
| Noninterest income to average assets | 0.2571% | 5,291 |
| Noninterest expense to average assets | 2.6533% | 4,033 |
| Loan and lease loss provision to assets | 0.3173% | 632 |
| Net operating income to assets | 0.6326% | 4,221 |
| Return on assets (ROA) | 0.6530% | 4,229 |
| Pretax return on assets | 0.9526% | 3,678 |
| Return on Equity (ROE) | 6.2994% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.7350% | 2,115 |
| Net charge-offs to loans | 0.3237% | 1,362 |
| Credit loss provision to net charge-offs | 113.5307% | 2,096 |
| Earnings coverage of net charge-offs (x) | 4.4376% | 3,652 |
| Efficiency ratio | 68.1439% | 3,877 |
| Assets per employee ($millions) | 7.2211% | 749 |
| Cash dividends to net income (ytd only)* | 8.9593% | 4,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 5,669 |
| Loan loss allowance to noncurrent loans | 50.9084% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5748% | 1,719 |
| Noncurrent loans to loans | 1.6444% | 1,779 |
| Net loans and leases to total assets | 86.4182% | 181 |
| Net loans and leases to deposits | 108.8324% | 272 |
| Net loans and leases to core deposits | 140.9779% | 159 |
| Total domestic deposits to total assets | 79.4049% | 5,157 |
| Equity capital to assets | 9.9846% | 4,132 |
| Core capital (leverage) ratio | 10.2529% | 3,243 |
| Tier 1 risk-based capital ratio | 12.0609% | 5,319 |
| Total risk-based capital ratio | 12.9467% | 5,458 |
| Memoranda: | ||
| Average total assets | $169,224,200 | 3,354 |
| Average earning assets | $157,604,200 | 3,320 |
| Average equity | $17,541,400 | 3,446 |
| Average total loans | $146,130,400 | 2,622 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 1,172 |
| Cost of funding earning assets | 0.8861% | 447 |
| Net interest margin | 3.8757% | 2,335 |
| Noninterest income to average assets | 0.2276% | 5,569 |
| Noninterest expense to average assets | 2.6538% | 4,001 |
| Loan and lease loss provision to assets | 0.1931% | 1,247 |
| Net operating income to assets | 0.6811% | 4,036 |
| Return on assets (ROA) | 0.6811% | 4,125 |
| Pretax return on assets | 0.9904% | 3,630 |
| Return on Equity (ROE) | 6.5056% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.8474% | 2,504 |
| Net charge-offs to loans | 0.1786% | 2,021 |
| Credit loss provision to net charge-offs | 125.5208% | 1,829 |
| Earnings coverage of net charge-offs (x) | 7.6928% | 2,905 |
| Efficiency ratio | 69.1585% | 3,649 |
| Assets per employee ($millions) | 7.4429% | 655 |
| Cash dividends to net income (ytd only)* | 10.1173% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 5,698 |
| Loan loss allowance to noncurrent loans | 49.0026% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7589% | 1,699 |
| Noncurrent loans to loans | 1.7686% | 1,838 |
| Net loans and leases to total assets | 86.9973% | 150 |
| Net loans and leases to deposits | 104.3425% | 384 |
| Net loans and leases to core deposits | 133.8474% | 194 |
| Total domestic deposits to total assets | 83.3767% | 4,004 |
| Equity capital to assets | 10.4114% | 3,667 |
| Core capital (leverage) ratio | 10.5867% | 2,940 |
| Tier 1 risk-based capital ratio | 12.4439% | 5,200 |
| Total risk-based capital ratio | 13.3600% | 5,340 |
| Memoranda: | ||
| Average total assets | $166,398,250 | 3,418 |
| Average earning assets | $154,979,000 | 3,384 |
| Average equity | $17,420,500 | 3,479 |
| Average total loans | $143,331,500 | 2,681 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 1,166 |
| Cost of funding earning assets | 0.8945% | 442 |
| Net interest margin | 3.8592% | 2,338 |
| Noninterest income to average assets | 0.2039% | 5,733 |
| Noninterest expense to average assets | 2.5958% | 4,253 |
| Loan and lease loss provision to assets | 0.1517% | 1,623 |
| Net operating income to assets | 0.7233% | 3,712 |
| Return on assets (ROA) | 0.7233% | 3,809 |
| Pretax return on assets | 1.0534% | 3,267 |
| Return on Equity (ROE) | 6.8956% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.0510% | 2,290 |
| Net charge-offs to loans | 0.0099% | 4,067 |
| Credit loss provision to net charge-offs | 1,785.7143% | 210 |
| Earnings coverage of net charge-offs (x) | 141.8571% | 429 |
| Efficiency ratio | 68.2950% | 3,948 |
| Assets per employee ($millions) | 7.2289% | 717 |
| Cash dividends to net income (ytd only)* | 12.2483% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 5,537 |
| Loan loss allowance to noncurrent loans | 78.7931% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 2,501 |
| Noncurrent loans to loans | 1.2143% | 2,805 |
| Net loans and leases to total assets | 85.3607% | 223 |
| Net loans and leases to deposits | 102.2573% | 435 |
| Net loans and leases to core deposits | 129.1907% | 238 |
| Total domestic deposits to total assets | 83.4764% | 4,122 |
| Equity capital to assets | 10.5777% | 3,344 |
| Core capital (leverage) ratio | 10.6970% | 2,725 |
| Tier 1 risk-based capital ratio | 12.8002% | 5,033 |
| Total risk-based capital ratio | 13.8065% | 5,117 |
| Memoranda: | ||
| Average total assets | $164,802,000 | 3,465 |
| Average earning assets | $153,606,670 | 3,418 |
| Average equity | $17,286,330 | 3,503 |
| Average total loans | $141,032,000 | 2,712 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 1,239 |
| Cost of funding earning assets | 0.9046% | 440 |
| Net interest margin | 3.8036% | 2,463 |
| Noninterest income to average assets | 0.2267% | 5,537 |
| Noninterest expense to average assets | 2.4940% | 4,641 |
| Loan and lease loss provision to assets | 0.2365% | 936 |
| Net operating income to assets | 0.7216% | 3,578 |
| Return on assets (ROA) | 0.7216% | 3,666 |
| Pretax return on assets | 1.0532% | 3,122 |
| Return on Equity (ROE) | 6.9094% | 3,524 |
| Retained earnings to average equity (ytd only) | 5.4855% | 2,794 |
| Net charge-offs to loans | 0.0229% | 3,116 |
| Credit loss provision to net charge-offs | 1,212.5000% | 266 |
| Earnings coverage of net charge-offs (x) | 66.1250% | 612 |
| Efficiency ratio | 65.9149% | 4,544 |
| Assets per employee ($millions) | 7.0651% | 784 |
| Cash dividends to net income (ytd only)* | 20.6081% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 5,665 |
| Loan loss allowance to noncurrent loans | 77.1264% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 2,464 |
| Noncurrent loans to loans | 1.2446% | 2,963 |
| Net loans and leases to total assets | 85.2072% | 179 |
| Net loans and leases to deposits | 99.6452% | 453 |
| Net loans and leases to core deposits | 124.4416% | 249 |
| Total domestic deposits to total assets | 85.5106% | 3,604 |
| Equity capital to assets | 10.6241% | 3,110 |
| Core capital (leverage) ratio | 10.4582% | 2,980 |
| Tier 1 risk-based capital ratio | 12.9958% | 5,003 |
| Total risk-based capital ratio | 14.0130% | 5,089 |
| Memoranda: | ||
| Average total assets | $164,070,500 | 3,494 |
| Average earning assets | $153,435,500 | 3,450 |
| Average equity | $17,136,000 | 3,535 |
| Average total loans | $139,900,000 | 2,742 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 1,478 |
| Cost of funding earning assets | 0.9725% | 523 |
| Net interest margin | 3.7648% | 2,786 |
| Noninterest income to average assets | 0.1655% | 6,100 |
| Noninterest expense to average assets | 2.4549% | 4,909 |
| Loan and lease loss provision to assets | 0.2534% | 1,425 |
| Net operating income to assets | 0.6774% | 3,906 |
| Return on assets (ROA) | 0.6774% | 3,997 |
| Pretax return on assets | 0.9911% | 3,385 |
| Return on Equity (ROE) | 6.3940% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.0852% | 1,918 |
| Net charge-offs to loans | 0.4354% | 1,525 |
| Credit loss provision to net charge-offs | 67.8694% | 3,361 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,886 |
| Efficiency ratio | 66.3603% | 4,497 |
| Assets per employee ($millions) | 7.8878% | 497 |
| Cash dividends to net income (ytd only)* | 4.8295% | 4,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 5,949 |
| Loan loss allowance to noncurrent loans | 68.0978% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.5111% | 2,457 |
| Noncurrent loans to loans | 1.3143% | 2,939 |
| Net loans and leases to total assets | 83.7615% | 269 |
| Net loans and leases to deposits | 99.1950% | 520 |
| Net loans and leases to core deposits | 124.7202% | 255 |
| Total domestic deposits to total assets | 84.4412% | 3,991 |
| Equity capital to assets | 10.2679% | 3,426 |
| Core capital (leverage) ratio | 10.3682% | 3,061 |
| Tier 1 risk-based capital ratio | 12.7513% | 5,145 |
| Total risk-based capital ratio | 13.6963% | 5,266 |
| Memoranda: | ||
| Average total assets | $155,889,800 | 3,618 |
| Average earning assets | $146,330,200 | 3,569 |
| Average equity | $16,515,600 | 3,627 |
| Average total loans | $133,672,400 | 2,795 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 1,457 |
| Cost of funding earning assets | 0.9797% | 550 |
| Net interest margin | 3.7781% | 2,722 |
| Noninterest income to average assets | 0.1694% | 6,171 |
| Noninterest expense to average assets | 2.4546% | 4,865 |
| Loan and lease loss provision to assets | 0.2937% | 1,166 |
| Net operating income to assets | 0.6638% | 4,048 |
| Return on assets (ROA) | 0.6638% | 4,185 |
| Pretax return on assets | 0.9697% | 3,618 |
| Return on Equity (ROE) | 6.2141% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.9050% | 2,477 |
| Net charge-offs to loans | 0.5289% | 1,215 |
| Credit loss provision to net charge-offs | 64.5038% | 3,192 |
| Earnings coverage of net charge-offs (x) | 2.7748% | 3,912 |
| Efficiency ratio | 66.0201% | 4,473 |
| Assets per employee ($millions) | 7.6830% | 536 |
| Cash dividends to net income (ytd only)* | 4.9743% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 5,966 |
| Loan loss allowance to noncurrent loans | 45.3198% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 2.2102% | 1,802 |
| Noncurrent loans to loans | 2.0592% | 2,185 |
| Net loans and leases to total assets | 82.5075% | 332 |
| Net loans and leases to deposits | 96.1850% | 676 |
| Net loans and leases to core deposits | 122.2080% | 291 |
| Total domestic deposits to total assets | 85.7800% | 3,366 |
| Equity capital to assets | 10.3760% | 3,420 |
| Core capital (leverage) ratio | 10.4785% | 3,026 |
| Tier 1 risk-based capital ratio | 13.3379% | 4,881 |
| Total risk-based capital ratio | 14.3442% | 5,010 |
| Memoranda: | ||
| Average total assets | $153,451,500 | 3,683 |
| Average earning assets | $144,126,500 | 3,634 |
| Average equity | $16,392,500 | 3,689 |
| Average total loans | $132,091,000 | 2,835 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 1,370 |
| Cost of funding earning assets | 0.9838% | 587 |
| Net interest margin | 3.7983% | 2,561 |
| Noninterest income to average assets | 0.2042% | 5,983 |
| Noninterest expense to average assets | 2.4705% | 4,835 |
| Loan and lease loss provision to assets | 0.3328% | 1,029 |
| Net operating income to assets | 0.6644% | 3,999 |
| Return on assets (ROA) | 0.6644% | 4,148 |
| Pretax return on assets | 0.9694% | 3,640 |
| Return on Equity (ROE) | 6.1562% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.8367% | 2,531 |
| Net charge-offs to loans | 0.4584% | 1,436 |
| Credit loss provision to net charge-offs | 83.3887% | 2,560 |
| Earnings coverage of net charge-offs (x) | 3.2625% | 3,441 |
| Efficiency ratio | 65.4833% | 4,633 |
| Assets per employee ($millions) | 7.5844% | 541 |
| Cash dividends to net income (ytd only)* | 5.1896% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 5,681 |
| Loan loss allowance to noncurrent loans | 47.4079% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.5533% | 1,646 |
| Noncurrent loans to loans | 2.1874% | 2,190 |
| Net loans and leases to total assets | 87.4479% | 107 |
| Net loans and leases to deposits | 101.7559% | 341 |
| Net loans and leases to core deposits | 127.7230% | 206 |
| Total domestic deposits to total assets | 85.9389% | 3,406 |
| Equity capital to assets | 10.8664% | 2,877 |
| Core capital (leverage) ratio | 10.9493% | 2,410 |
| Tier 1 risk-based capital ratio | 13.2333% | 4,971 |
| Total risk-based capital ratio | 14.3572% | 5,007 |
| Memoranda: | ||
| Average total assets | $150,821,000 | 3,753 |
| Average earning assets | $141,693,330 | 3,700 |
| Average equity | $16,276,330 | 3,725 |
| Average total loans | $131,330,000 | 2,858 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 1,475 |
| Cost of funding earning assets | 0.9842% | 669 |
| Net interest margin | 3.7360% | 2,714 |
| Noninterest income to average assets | 0.2474% | 5,692 |
| Noninterest expense to average assets | 2.4816% | 4,818 |
| Loan and lease loss provision to assets | 0.3511% | 926 |
| Net operating income to assets | 0.6384% | 4,030 |
| Return on assets (ROA) | 0.6384% | 4,194 |
| Pretax return on assets | 0.9283% | 3,657 |
| Return on Equity (ROE) | 5.9358% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.6143% | 2,890 |
| Net charge-offs to loans | 0.7140% | 859 |
| Credit loss provision to net charge-offs | 56.8966% | 2,495 |
| Earnings coverage of net charge-offs (x) | 2.0733% | 3,142 |
| Efficiency ratio | 65.9830% | 4,661 |
| Assets per employee ($millions) | 7.4862% | 611 |
| Cash dividends to net income (ytd only)* | 5.4167% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 5,918 |
| Loan loss allowance to noncurrent loans | 43.5348% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 2.5908% | 1,764 |
| Noncurrent loans to loans | 2.3446% | 2,227 |
| Net loans and leases to total assets | 86.7857% | 100 |
| Net loans and leases to deposits | 101.7892% | 286 |
| Net loans and leases to core deposits | 124.4471% | 223 |
| Total domestic deposits to total assets | 85.2602% | 3,919 |
| Equity capital to assets | 10.8767% | 3,102 |
| Core capital (leverage) ratio | 10.8499% | 2,403 |
| Tier 1 risk-based capital ratio | 13.4165% | 4,925 |
| Total risk-based capital ratio | 14.5322% | 4,979 |
| Memoranda: | ||
| Average total assets | $150,387,500 | 3,799 |
| Average earning assets | $141,433,500 | 3,739 |
| Average equity | $16,173,000 | 3,791 |
| Average total loans | $129,976,000 | 2,892 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 1,576 |
| Cost of funding earning assets | 1.1159% | 848 |
| Net interest margin | 3.8770% | 2,920 |
| Noninterest income to average assets | 0.1110% | 6,464 |
| Noninterest expense to average assets | 2.3736% | 5,482 |
| Loan and lease loss provision to assets | 0.4765% | 1,292 |
| Net operating income to assets | 0.6331% | 4,072 |
| Return on assets (ROA) | 0.6331% | 4,342 |
| Pretax return on assets | 0.9337% | 3,797 |
| Return on Equity (ROE) | 5.8710% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.7966% | 2,853 |
| Net charge-offs to loans | 0.5719% | 2,012 |
| Credit loss provision to net charge-offs | 97.3239% | 3,185 |
| Earnings coverage of net charge-offs (x) | 2.8803% | 3,995 |
| Efficiency ratio | 62.7301% | 5,126 |
| Assets per employee ($millions) | 7.9501% | 513 |
| Cash dividends to net income (ytd only)* | 18.3007% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,473 |
| Loan loss allowance to noncurrent loans | 47.8883% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 2.4475% | 1,998 |
| Noncurrent loans to loans | 2.3369% | 2,299 |
| Net loans and leases to total assets | 84.2318% | 205 |
| Net loans and leases to deposits | 97.0585% | 558 |
| Net loans and leases to core deposits | 119.2649% | 297 |
| Total domestic deposits to total assets | 86.7846% | 2,946 |
| Equity capital to assets | 10.6328% | 3,361 |
| Core capital (leverage) ratio | 10.7095% | 2,536 |
| Tier 1 risk-based capital ratio | 13.3466% | 4,859 |
| Total risk-based capital ratio | 14.5567% | 4,839 |
| Memoranda: | ||
| Average total assets | $145,009,000 | 3,859 |
| Average earning assets | $137,375,000 | 3,769 |
| Average equity | $15,636,200 | 3,834 |
| Average total loans | $124,152,600 | 3,001 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 1,626 |
| Cost of funding earning assets | 1.1471% | 876 |
| Net interest margin | 3.8780% | 2,992 |
| Noninterest income to average assets | 0.1180% | 6,549 |
| Noninterest expense to average assets | 2.3944% | 5,415 |
| Loan and lease loss provision to assets | 0.4794% | 1,288 |
| Net operating income to assets | 0.6346% | 4,216 |
| Return on assets (ROA) | 0.6346% | 4,468 |
| Pretax return on assets | 0.9254% | 4,010 |
| Return on Equity (ROE) | 5.8637% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.5330% | 3,707 |
| Net charge-offs to loans | 0.4693% | 2,225 |
| Credit loss provision to net charge-offs | 119.1686% | 2,437 |
| Earnings coverage of net charge-offs (x) | 3.4919% | 3,623 |
| Efficiency ratio | 63.0227% | 4,973 |
| Assets per employee ($millions) | 8.1536% | 451 |
| Cash dividends to net income (ytd only)* | 22.6939% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 5,254 |
| Loan loss allowance to noncurrent loans | 46.1400% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 3.0232% | 1,728 |
| Noncurrent loans to loans | 2.6121% | 2,183 |
| Net loans and leases to total assets | 86.1260% | 143 |
| Net loans and leases to deposits | 100.5481% | 415 |
| Net loans and leases to core deposits | 123.4612% | 258 |
| Total domestic deposits to total assets | 85.6566% | 3,436 |
| Equity capital to assets | 10.8051% | 3,497 |
| Core capital (leverage) ratio | 10.7390% | 2,668 |
| Tier 1 risk-based capital ratio | 13.1404% | 5,137 |
| Total risk-based capital ratio | 14.3868% | 5,103 |
| Memoranda: | ||
| Average total assets | $143,498,500 | 3,928 |
| Average earning assets | $136,218,750 | 3,825 |
| Average equity | $15,530,000 | 3,894 |
| Average total loans | $123,022,500 | 3,052 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 1,739 |
| Cost of funding earning assets | 1.1770% | 905 |
| Net interest margin | 3.8402% | 3,176 |
| Noninterest income to average assets | 0.0744% | 6,779 |
| Noninterest expense to average assets | 2.3692% | 5,568 |
| Loan and lease loss provision to assets | 0.4340% | 1,499 |
| Net operating income to assets | 0.6418% | 4,155 |
| Return on assets (ROA) | 0.6418% | 4,407 |
| Pretax return on assets | 0.9325% | 3,956 |
| Return on Equity (ROE) | 5.9271% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.4226% | 3,659 |
| Net charge-offs to loans | 0.5388% | 1,978 |
| Credit loss provision to net charge-offs | 94.4954% | 2,919 |
| Earnings coverage of net charge-offs (x) | 2.9755% | 3,558 |
| Efficiency ratio | 63.4211% | 5,004 |
| Assets per employee ($millions) | 8.2248% | 427 |
| Cash dividends to net income (ytd only)* | 25.3829% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,516 |
| Loan loss allowance to noncurrent loans | 42.2581% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 3.0430% | 1,805 |
| Noncurrent loans to loans | 2.7516% | 2,185 |
| Net loans and leases to total assets | 82.7344% | 287 |
| Net loans and leases to deposits | 94.3484% | 741 |
| Net loans and leases to core deposits | 114.3405% | 437 |
| Total domestic deposits to total assets | 87.6903% | 2,343 |
| Equity capital to assets | 10.5542% | 3,616 |
| Core capital (leverage) ratio | 10.7233% | 2,574 |
| Tier 1 risk-based capital ratio | 13.6741% | 4,694 |
| Total risk-based capital ratio | 14.9244% | 4,662 |
| Memoranda: | ||
| Average total assets | $142,410,000 | 3,961 |
| Average earning assets | $135,773,000 | 3,853 |
| Average equity | $15,420,670 | 3,907 |
| Average total loans | $121,382,000 | 3,107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 1,499 |
| Cost of funding earning assets | 1.2093% | 944 |
| Net interest margin | 3.9197% | 2,841 |
| Noninterest income to average assets | 0.1576% | 6,442 |
| Noninterest expense to average assets | 2.4156% | 5,420 |
| Loan and lease loss provision to assets | 0.4585% | 1,347 |
| Net operating income to assets | 0.6992% | 3,883 |
| Return on assets (ROA) | 0.6992% | 4,098 |
| Pretax return on assets | 1.0173% | 3,619 |
| Return on Equity (ROE) | 6.3714% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.7263% | 3,730 |
| Net charge-offs to loans | 0.5995% | 1,591 |
| Credit loss provision to net charge-offs | 88.8889% | 2,565 |
| Earnings coverage of net charge-offs (x) | 2.8611% | 3,035 |
| Efficiency ratio | 62.0766% | 5,265 |
| Assets per employee ($millions) | 8.4215% | 407 |
| Cash dividends to net income (ytd only)* | 25.8197% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 5,628 |
| Loan loss allowance to noncurrent loans | 47.3355% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 2.9309% | 1,972 |
| Noncurrent loans to loans | 2.4763% | 2,633 |
| Net loans and leases to total assets | 84.7449% | 160 |
| Net loans and leases to deposits | 97.0592% | 477 |
| Net loans and leases to core deposits | 118.1123% | 341 |
| Total domestic deposits to total assets | 87.3125% | 2,763 |
| Equity capital to assets | 10.7715% | 3,186 |
| Core capital (leverage) ratio | 11.0379% | 2,232 |
| Tier 1 risk-based capital ratio | 13.5725% | 4,776 |
| Total risk-based capital ratio | 14.8224% | 4,761 |
| Memoranda: | ||
| Average total assets | $139,592,000 | 4,042 |
| Average earning assets | $132,969,500 | 3,924 |
| Average equity | $15,318,500 | 3,929 |
| Average total loans | $120,110,000 | 3,155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 1,846 |
| Cost of funding earning assets | 1.3505% | 1,235 |
| Net interest margin | 3.9060% | 3,315 |
| Noninterest income to average assets | -0.0098% | 7,012 |
| Noninterest expense to average assets | 2.3533% | 5,901 |
| Loan and lease loss provision to assets | 0.4358% | 2,416 |
| Net operating income to assets | 0.6356% | 3,806 |
| Return on assets (ROA) | 0.6356% | 4,003 |
| Pretax return on assets | 0.9629% | 3,380 |
| Return on Equity (ROE) | 5.6611% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.3711% | 3,823 |
| Net charge-offs to loans | 0.4555% | 3,161 |
| Credit loss provision to net charge-offs | 111.3680% | 2,989 |
| Earnings coverage of net charge-offs (x) | 3.5742% | 3,464 |
| Efficiency ratio | 62.7211% | 5,347 |
| Assets per employee ($millions) | 8.5012% | 393 |
| Cash dividends to net income (ytd only)* | 40.4508% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 5,220 |
| Loan loss allowance to noncurrent loans | 79.6397% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 2,744 |
| Noncurrent loans to loans | 1.5597% | 3,825 |
| Net loans and leases to total assets | 85.2800% | 156 |
| Net loans and leases to deposits | 96.7101% | 641 |
| Net loans and leases to core deposits | 118.7666% | 380 |
| Total domestic deposits to total assets | 88.1811% | 2,037 |
| Equity capital to assets | 11.1867% | 2,811 |
| Core capital (leverage) ratio | 11.1269% | 2,174 |
| Tier 1 risk-based capital ratio | 13.9444% | 4,364 |
| Total risk-based capital ratio | 15.1940% | 4,325 |
| Memoranda: | ||
| Average total assets | $132,623,200 | 4,114 |
| Average earning assets | $127,726,200 | 3,980 |
| Average equity | $14,891,200 | 3,934 |
| Average total loans | $113,946,200 | 3,295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2335% | 2,081 |
| Cost of funding earning assets | 1.3709% | 1,366 |
| Net interest margin | 3.8625% | 3,561 |
| Noninterest income to average assets | 0.0020% | 7,097 |
| Noninterest expense to average assets | 2.3302% | 5,956 |
| Loan and lease loss provision to assets | 0.4634% | 2,137 |
| Net operating income to assets | 0.6182% | 4,016 |
| Return on assets (ROA) | 0.6182% | 4,189 |
| Pretax return on assets | 0.9400% | 3,620 |
| Return on Equity (ROE) | 5.5007% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.0069% | 4,546 |
| Net charge-offs to loans | 0.5188% | 2,678 |
| Credit loss provision to net charge-offs | 104.0909% | 3,204 |
| Earnings coverage of net charge-offs (x) | 3.1523% | 3,558 |
| Efficiency ratio | 62.4119% | 5,347 |
| Assets per employee ($millions) | 8.4659% | 402 |
| Cash dividends to net income (ytd only)* | 45.3348% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 5,309 |
| Loan loss allowance to noncurrent loans | 55.6297% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.7086% | 2,395 |
| Noncurrent loans to loans | 2.2277% | 3,077 |
| Net loans and leases to total assets | 83.4255% | 259 |
| Net loans and leases to deposits | 94.8776% | 768 |
| Net loans and leases to core deposits | 115.8030% | 504 |
| Total domestic deposits to total assets | 87.9296% | 2,075 |
| Equity capital to assets | 11.1314% | 3,020 |
| Core capital (leverage) ratio | 11.0505% | 2,345 |
| Tier 1 risk-based capital ratio | 14.5846% | 3,918 |
| Total risk-based capital ratio | 15.8343% | 3,889 |
| Memoranda: | ||
| Average total assets | $131,774,250 | 4,156 |
| Average earning assets | $127,305,750 | 4,008 |
| Average equity | $14,810,000 | 3,959 |
| Average total loans | $113,068,750 | 3,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 2,151 |
| Cost of funding earning assets | 1.3938% | 1,449 |
| Net interest margin | 3.8355% | 3,618 |
| Noninterest income to average assets | -0.0153% | 7,220 |
| Noninterest expense to average assets | 2.3578% | 5,971 |
| Loan and lease loss provision to assets | 0.5086% | 1,923 |
| Net operating income to assets | 0.5377% | 4,344 |
| Return on assets (ROA) | 0.5377% | 4,482 |
| Pretax return on assets | 0.8196% | 3,947 |
| Return on Equity (ROE) | 4.7688% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.8124% | 4,492 |
| Net charge-offs to loans | 0.5061% | 2,584 |
| Credit loss provision to net charge-offs | 116.4912% | 2,634 |
| Earnings coverage of net charge-offs (x) | 3.0421% | 3,334 |
| Efficiency ratio | 63.9651% | 5,246 |
| Assets per employee ($millions) | 8.9574% | 333 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 5,136 |
| Loan loss allowance to noncurrent loans | 46.3782% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 2.9465% | 2,273 |
| Noncurrent loans to loans | 2.7673% | 2,632 |
| Net loans and leases to total assets | 82.8350% | 317 |
| Net loans and leases to deposits | 94.2972% | 853 |
| Net loans and leases to core deposits | 115.1378% | 542 |
| Total domestic deposits to total assets | 87.8447% | 2,248 |
| Equity capital to assets | 11.0828% | 2,871 |
| Core capital (leverage) ratio | 11.2746% | 2,061 |
| Tier 1 risk-based capital ratio | 14.5437% | 3,760 |
| Total risk-based capital ratio | 15.7935% | 3,732 |
| Memoranda: | ||
| Average total assets | $130,547,330 | 4,218 |
| Average earning assets | $125,982,330 | 4,072 |
| Average equity | $14,720,670 | 3,954 |
| Average total loans | $112,617,670 | 3,398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3119% | 1,829 |
| Cost of funding earning assets | 1.4040% | 1,589 |
| Net interest margin | 3.9079% | 3,102 |
| Noninterest income to average assets | 0.0715% | 7,032 |
| Noninterest expense to average assets | 2.4440% | 5,753 |
| Loan and lease loss provision to assets | 0.5597% | 1,542 |
| Net operating income to assets | 0.5410% | 4,311 |
| Return on assets (ROA) | 0.5410% | 4,388 |
| Pretax return on assets | 0.8240% | 3,813 |
| Return on Equity (ROE) | 4.7556% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.7877% | 4,499 |
| Net charge-offs to loans | 0.5473% | 2,125 |
| Credit loss provision to net charge-offs | 116.8831% | 2,317 |
| Earnings coverage of net charge-offs (x) | 2.8896% | 2,931 |
| Efficiency ratio | 63.8505% | 5,386 |
| Assets per employee ($millions) | 9.3516% | 296 |
| Cash dividends to net income (ytd only)* | 41.3793% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 5,286 |
| Loan loss allowance to noncurrent loans | 54.1793% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 3.3218% | 2,052 |
| Noncurrent loans to loans | 2.3475% | 3,141 |
| Net loans and leases to total assets | 84.5497% | 201 |
| Net loans and leases to deposits | 96.7766% | 635 |
| Net loans and leases to core deposits | 116.9544% | 501 |
| Total domestic deposits to total assets | 87.3659% | 2,729 |
| Equity capital to assets | 11.2242% | 2,485 |
| Core capital (leverage) ratio | 11.5063% | 1,844 |
| Tier 1 risk-based capital ratio | 14.4041% | 3,803 |
| Total risk-based capital ratio | 15.6546% | 3,761 |
| Memoranda: | ||
| Average total assets | $128,640,500 | 4,290 |
| Average earning assets | $123,646,500 | 4,145 |
| Average equity | $14,635,500 | 3,966 |
| Average total loans | $112,554,000 | 3,429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 3,586 |
| Cost of funding earning assets | 1.7444% | 1,398 |
| Net interest margin | 3.4592% | 5,401 |
| Noninterest income to average assets | -0.0278% | 7,330 |
| Noninterest expense to average assets | 2.2914% | 6,383 |
| Loan and lease loss provision to assets | 0.4407% | 3,474 |
| Net operating income to assets | 0.3782% | 4,648 |
| Return on assets (ROA) | 0.3782% | 4,793 |
| Pretax return on assets | 0.5765% | 4,395 |
| Return on Equity (ROE) | 3.4007% | 4,794 |
| Retained earnings to average equity (ytd only) | 1.3950% | 4,839 |
| Net charge-offs to loans | 0.4959% | 3,648 |
| Credit loss provision to net charge-offs | 106.5299% | 4,188 |
| Earnings coverage of net charge-offs (x) | 2.4590% | 3,893 |
| Efficiency ratio | 69.2559% | 4,325 |
| Assets per employee ($millions) | 9.7198% | 272 |
| Cash dividends to net income (ytd only)* | 58.9796% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 5,329 |
| Loan loss allowance to noncurrent loans | 55.5115% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 3.4473% | 2,023 |
| Noncurrent loans to loans | 2.2321% | 3,294 |
| Net loans and leases to total assets | 88.3102% | 91 |
| Net loans and leases to deposits | 101.9441% | 489 |
| Net loans and leases to core deposits | 115.6953% | 657 |
| Total domestic deposits to total assets | 86.6261% | 3,016 |
| Equity capital to assets | 11.5355% | 2,233 |
| Core capital (leverage) ratio | 11.3273% | 1,937 |
| Tier 1 risk-based capital ratio | 14.1245% | 3,789 |
| Total risk-based capital ratio | 15.3758% | 3,746 |
| Memoranda: | ||
| Average total assets | $129,570,000 | 4,282 |
| Average earning assets | $124,971,200 | 4,133 |
| Average equity | $14,409,000 | 4,043 |
| Average total loans | $108,089,800 | 3,590 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 3,997 |
| Cost of funding earning assets | 1.8458% | 1,235 |
| Net interest margin | 3.3227% | 5,944 |
| Noninterest income to average assets | 0.0685% | 7,190 |
| Noninterest expense to average assets | 2.2192% | 6,553 |
| Loan and lease loss provision to assets | 0.4602% | 3,174 |
| Net operating income to assets | 0.3896% | 4,793 |
| Return on assets (ROA) | 0.3896% | 4,975 |
| Pretax return on assets | 0.5942% | 4,617 |
| Return on Equity (ROE) | 3.5357% | 4,988 |
| Retained earnings to average equity (ytd only) | 1.5312% | 5,189 |
| Net charge-offs to loans | 0.5876% | 2,978 |
| Credit loss provision to net charge-offs | 95.5414% | 4,543 |
| Earnings coverage of net charge-offs (x) | 2.1890% | 4,083 |
| Efficiency ratio | 67.7913% | 4,504 |
| Assets per employee ($millions) | 9.7698% | 276 |
| Cash dividends to net income (ytd only)* | 56.6921% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 5,364 |
| Loan loss allowance to noncurrent loans | 39.5410% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.3604% | 2,123 |
| Noncurrent loans to loans | 3.0999% | 2,574 |
| Net loans and leases to total assets | 85.2726% | 250 |
| Net loans and leases to deposits | 99.1513% | 711 |
| Net loans and leases to core deposits | 115.4333% | 771 |
| Total domestic deposits to total assets | 86.0025% | 3,072 |
| Equity capital to assets | 11.4835% | 2,546 |
| Core capital (leverage) ratio | 11.0055% | 2,258 |
| Tier 1 risk-based capital ratio | 14.5313% | 3,495 |
| Total risk-based capital ratio | 15.7819% | 3,462 |
| Memoranda: | ||
| Average total assets | $130,373,000 | 4,322 |
| Average earning assets | $125,757,500 | 4,166 |
| Average equity | $14,367,250 | 4,121 |
| Average total loans | $106,865,500 | 3,661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 4,283 |
| Cost of funding earning assets | 1.9201% | 1,163 |
| Net interest margin | 3.2122% | 6,278 |
| Noninterest income to average assets | 0.0654% | 7,255 |
| Noninterest expense to average assets | 2.2556% | 6,495 |
| Loan and lease loss provision to assets | 0.3757% | 3,461 |
| Net operating income to assets | 0.3483% | 4,983 |
| Return on assets (ROA) | 0.3483% | 5,147 |
| Pretax return on assets | 0.5308% | 4,807 |
| Return on Equity (ROE) | 3.2040% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.1893% | 5,273 |
| Net charge-offs to loans | 0.5003% | 3,039 |
| Credit loss provision to net charge-offs | 93.2075% | 4,323 |
| Earnings coverage of net charge-offs (x) | 2.2491% | 3,881 |
| Efficiency ratio | 71.3324% | 3,935 |
| Assets per employee ($millions) | 9.6390% | 279 |
| Cash dividends to net income (ytd only)* | 62.8821% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 5,228 |
| Loan loss allowance to noncurrent loans | 47.7321% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.7863% | 2,596 |
| Noncurrent loans to loans | 2.6006% | 3,037 |
| Net loans and leases to total assets | 79.4155% | 888 |
| Net loans and leases to deposits | 92.2216% | 1,492 |
| Net loans and leases to core deposits | 113.3513% | 958 |
| Total domestic deposits to total assets | 86.1137% | 3,020 |
| Equity capital to assets | 10.7532% | 3,119 |
| Core capital (leverage) ratio | 10.8716% | 2,347 |
| Tier 1 risk-based capital ratio | 14.0363% | 3,705 |
| Total risk-based capital ratio | 15.2863% | 3,673 |
| Memoranda: | ||
| Average total assets | $131,494,670 | 4,312 |
| Average earning assets | $126,765,330 | 4,160 |
| Average equity | $14,294,670 | 4,137 |
| Average total loans | $105,938,330 | 3,719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 4,191 |
| Cost of funding earning assets | 1.9961% | 1,100 |
| Net interest margin | 3.1746% | 6,371 |
| Noninterest income to average assets | 0.0678% | 7,379 |
| Noninterest expense to average assets | 2.0745% | 7,004 |
| Loan and lease loss provision to assets | 0.4993% | 2,503 |
| Net operating income to assets | 0.3668% | 4,992 |
| Return on assets (ROA) | 0.3668% | 5,115 |
| Pretax return on assets | 0.5579% | 4,761 |
| Return on Equity (ROE) | 3.3553% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.3252% | 5,280 |
| Net charge-offs to loans | 0.5045% | 2,554 |
| Credit loss provision to net charge-offs | 122.7273% | 2,851 |
| Earnings coverage of net charge-offs (x) | 2.5985% | 3,235 |
| Efficiency ratio | 66.2402% | 5,065 |
| Assets per employee ($millions) | 9.1072% | 347 |
| Cash dividends to net income (ytd only)* | 60.5042% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,815 |
| Loan loss allowance to noncurrent loans | 101.8248% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.8776% | 3,666 |
| Noncurrent loans to loans | 1.2978% | 4,807 |
| Net loans and leases to total assets | 81.6974% | 629 |
| Net loans and leases to deposits | 95.6643% | 1,152 |
| Net loans and leases to core deposits | 123.2109% | 665 |
| Total domestic deposits to total assets | 85.4001% | 3,466 |
| Equity capital to assets | 11.2878% | 2,516 |
| Core capital (leverage) ratio | 10.8246% | 2,354 |
| Tier 1 risk-based capital ratio | 13.9646% | 3,679 |
| Total risk-based capital ratio | 15.2136% | 3,642 |
| Memoranda: | ||
| Average total assets | $129,769,000 | 4,418 |
| Average earning assets | $125,244,500 | 4,255 |
| Average equity | $14,186,500 | 4,201 |
| Average total loans | $104,650,000 | 3,807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 5,146 |
| Cost of funding earning assets | 2.5890% | 810 |
| Net interest margin | 2.7174% | 7,191 |
| Noninterest income to average assets | 0.0536% | 7,491 |
| Noninterest expense to average assets | 2.4942% | 6,149 |
| Loan and lease loss provision to assets | 0.4994% | 3,878 |
| Net operating income to assets | -0.2084% | 5,849 |
| Return on assets (ROA) | -0.2084% | 5,845 |
| Pretax return on assets | -0.3122% | 5,844 |
| Return on Equity (ROE) | -2.1162% | 5,874 |
| Retained earnings to average equity (ytd only) | -3.2909% | 5,752 |
| Net charge-offs to loans | 0.3497% | 4,479 |
| Credit loss provision to net charge-offs | 167.7143% | 2,570 |
| Earnings coverage of net charge-offs (x) | 0.6286% | 5,466 |
| Efficiency ratio | 93.0203% | 1,483 |
| Assets per employee ($millions) | 9.4312% | 310 |
| Cash dividends to net income (ytd only)* | -55.5102% | 7,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,670 |
| Loan loss allowance to noncurrent loans | 103.1746% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 3,653 |
| Noncurrent loans to loans | 1.2753% | 4,796 |
| Net loans and leases to total assets | 77.5351% | 1,476 |
| Net loans and leases to deposits | 92.4104% | 1,831 |
| Net loans and leases to core deposits | 134.6969% | 1,015 |
| Total domestic deposits to total assets | 83.9030% | 4,071 |
| Equity capital to assets | 10.5887% | 3,086 |
| Core capital (leverage) ratio | 10.9133% | 2,277 |
| Tier 1 risk-based capital ratio | 13.7383% | 3,664 |
| Total risk-based capital ratio | 14.9880% | 3,602 |
| Memoranda: | ||
| Average total assets | $117,551,400 | 4,643 |
| Average earning assets | $113,674,400 | 4,454 |
| Average equity | $11,577,400 | 4,850 |
| Average total loans | $100,077,800 | 3,947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3530% | 5,158 |
| Cost of funding earning assets | 2.7285% | 724 |
| Net interest margin | 2.6245% | 7,325 |
| Noninterest income to average assets | 0.0714% | 7,558 |
| Noninterest expense to average assets | 2.6495% | 5,525 |
| Loan and lease loss provision to assets | 0.5161% | 3,324 |
| Net operating income to assets | -0.3686% | 6,281 |
| Return on assets (ROA) | -0.3686% | 6,281 |
| Pretax return on assets | -0.5559% | 6,359 |
| Return on Equity (ROE) | -3.8263% | 6,324 |
| Retained earnings to average equity (ytd only) | -5.1867% | 6,282 |
| Net charge-offs to loans | 0.4504% | 3,431 |
| Credit loss provision to net charge-offs | 131.6418% | 3,798 |
| Earnings coverage of net charge-offs (x) | -0.1015% | 6,184 |
| Efficiency ratio | 101.5247% | 997 |
| Assets per employee ($millions) | 8.7094% | 399 |
| Cash dividends to net income (ytd only)* | -35.5556% | 7,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,165 |
| Loan loss allowance to noncurrent loans | 97.0126% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 2.5408% | 2,730 |
| Noncurrent loans to loans | 1.2277% | 4,899 |
| Net loans and leases to total assets | 83.9583% | 546 |
| Net loans and leases to deposits | 99.6661% | 1,133 |
| Net loans and leases to core deposits | 132.7162% | 1,295 |
| Total domestic deposits to total assets | 84.2396% | 3,603 |
| Equity capital to assets | 9.5160% | 4,727 |
| Core capital (leverage) ratio | 9.2172% | 4,308 |
| Tier 1 risk-based capital ratio | 10.9457% | 6,001 |
| Total risk-based capital ratio | 12.1754% | 5,980 |
| Memoranda: | ||
| Average total assets | $113,930,000 | 4,746 |
| Average earning assets | $110,191,750 | 4,586 |
| Average equity | $10,976,500 | 5,079 |
| Average total loans | $99,162,250 | 4,012 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 5,524 |
| Cost of funding earning assets | 2.8264% | 730 |
| Net interest margin | 2.5000% | 7,478 |
| Noninterest income to average assets | 0.0737% | 7,613 |
| Noninterest expense to average assets | 2.7089% | 5,354 |
| Loan and lease loss provision to assets | 0.3038% | 4,134 |
| Net operating income to assets | -0.3433% | 6,388 |
| Return on assets (ROA) | -0.3433% | 6,400 |
| Pretax return on assets | -0.5159% | 6,444 |
| Return on Equity (ROE) | -3.5477% | 6,424 |
| Retained earnings to average equity (ytd only) | -4.8478% | 6,277 |
| Net charge-offs to loans | 0.2355% | 4,026 |
| Credit loss provision to net charge-offs | 146.9565% | 3,150 |
| Earnings coverage of net charge-offs (x) | -1.0261% | 6,232 |
| Efficiency ratio | 108.4953% | 892 |
| Assets per employee ($millions) | 8.5822% | 402 |
| Cash dividends to net income (ytd only)* | -36.6492% | 7,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,066 |
| Loan loss allowance to noncurrent loans | 49.7265% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.7624% | 2,332 |
| Noncurrent loans to loans | 2.3758% | 3,040 |
| Net loans and leases to total assets | 82.2865% | 903 |
| Net loans and leases to deposits | 98.6185% | 1,440 |
| Net loans and leases to core deposits | 136.8737% | 1,169 |
| Total domestic deposits to total assets | 83.4392% | 4,043 |
| Equity capital to assets | 9.5322% | 4,565 |
| Core capital (leverage) ratio | 9.3460% | 4,106 |
| Tier 1 risk-based capital ratio | 11.1505% | 5,729 |
| Total risk-based capital ratio | 12.3760% | 5,660 |
| Memoranda: | ||
| Average total assets | $111,262,670 | 4,850 |
| Average earning assets | $107,841,000 | 4,680 |
| Average equity | $10,767,670 | 5,147 |
| Average total loans | $97,681,000 | 4,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 5,686 |
| Cost of funding earning assets | 2.9636% | 662 |
| Net interest margin | 2.3809% | 7,640 |
| Noninterest income to average assets | 0.0711% | 7,706 |
| Noninterest expense to average assets | 2.7898% | 4,595 |
| Loan and lease loss provision to assets | 0.4831% | 2,547 |
| Net operating income to assets | -0.5917% | 6,958 |
| Return on assets (ROA) | -0.5917% | 7,004 |
| Pretax return on assets | -0.8912% | 7,092 |
| Return on Equity (ROE) | -6.0624% | 7,070 |
| Retained earnings to average equity (ytd only) | -7.1367% | 6,808 |
| Net charge-offs to loans | 0.4767% | 2,258 |
| Credit loss provision to net charge-offs | 112.1739% | 3,453 |
| Earnings coverage of net charge-offs (x) | -0.9478% | 5,350 |
| Efficiency ratio | 117.1384% | 676 |
| Assets per employee ($millions) | 8.0609% | 496 |
| Cash dividends to net income (ytd only)* | -17.7215% | 8,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,026 |
| Loan loss allowance to noncurrent loans | 41.8009% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.8870% | 1,976 |
| Noncurrent loans to loans | 2.7830% | 2,357 |
| Net loans and leases to total assets | 85.9763% | 452 |
| Net loans and leases to deposits | 106.2670% | 840 |
| Net loans and leases to core deposits | 171.8674% | 315 |
| Total domestic deposits to total assets | 80.9060% | 5,010 |
| Equity capital to assets | 10.3188% | 3,633 |
| Core capital (leverage) ratio | 10.2331% | 3,167 |
| Tier 1 risk-based capital ratio | 11.4612% | 5,452 |
| Total risk-based capital ratio | 12.6622% | 5,399 |
| Memoranda: | ||
| Average total assets | $106,818,500 | 4,988 |
| Average earning assets | $103,658,000 | 4,816 |
| Average equity | $10,425,000 | 5,251 |
| Average total loans | $96,496,500 | 4,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2356% | 4,324 |
| Cost of funding earning assets | 3.3319% | 849 |
| Net interest margin | 2.9036% | 7,149 |
| Noninterest income to average assets | 0.0381% | 7,944 |
| Noninterest expense to average assets | 2.7636% | 4,996 |
| Loan and lease loss provision to assets | 0.4783% | 2,910 |
| Net operating income to assets | -0.2753% | 6,711 |
| Return on assets (ROA) | -0.2753% | 6,558 |
| Pretax return on assets | -0.4110% | 6,556 |
| Return on Equity (ROE) | -3.0593% | 6,629 |
| Retained earnings to average equity (ytd only) | -3.0593% | 6,123 |
| Net charge-offs to loans | 0.3018% | 3,386 |
| Credit loss provision to net charge-offs | 181.4815% | 2,764 |
| Earnings coverage of net charge-offs (x) | 0.2556% | 6,075 |
| Efficiency ratio | 97.6207% | 1,075 |
| Assets per employee ($millions) | 5.9285% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 4,627 |
| Loan loss allowance to noncurrent loans | 32.3117% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 3.8151% | 1,114 |
| Noncurrent loans to loans | 3.6815% | 1,368 |
| Net loans and leases to total assets | 92.9672% | 54 |
| Net loans and leases to deposits | 116.8773% | 482 |
| Net loans and leases to core deposits | 169.4677% | 412 |
| Total domestic deposits to total assets | 79.5426% | 5,188 |
| Equity capital to assets | 9.1333% | 5,176 |
| Core capital (leverage) ratio | 8.4726% | 5,620 |
| Tier 1 risk-based capital ratio | 9.3148% | 7,506 |
| Total risk-based capital ratio | 10.5438% | 7,453 |
| Memoranda: | ||
| Average total assets | $102,438,000 | 4,979 |
| Average earning assets | $98,531,600 | 4,849 |
| Average equity | $9,217,800 | 5,666 |
| Average total loans | $89,467,200 | 4,244 |