Home > Independent Farmers Bank > Performance and Condition Ratios
Independent Farmers 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 | 5.1263% | 1,801 |
| Cost of funding earning assets | 1.3305% | 2,425 |
| Net interest margin | 3.7959% | 1,569 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.4827% | 2,347 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.1186% | 1,864 |
| Return on assets (ROA) | 1.0651% | 1,991 |
| Pretax return on assets | 1.2658% | 1,969 |
| Return on Equity (ROE) | 23.3100% | 386 |
| Retained earnings to average equity (ytd only) | 9.0791% | 1,235 |
| Net charge-offs to loans | 0.0614% | 1,237 |
| Credit loss provision to net charge-offs | 238.0000% | 1,109 |
| Earnings coverage of net charge-offs (x) | 43.7800% | 1,385 |
| Efficiency ratio | 63.8122% | 2,628 |
| Assets per employee ($millions) | 5.1618% | 3,512 |
| Cash dividends to net income (ytd only)* | 61.0507% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 2,934 |
| Loan loss allowance to noncurrent loans | 12,742.8571% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,784 |
| Noncurrent loans to loans | 0.0085% | 3,711 |
| Net loans and leases to total assets | 52.7400% | 3,435 |
| Net loans and leases to deposits | 56.7720% | 3,675 |
| Net loans and leases to core deposits | 64.4608% | 3,567 |
| Total domestic deposits to total assets | 92.8900% | 184 |
| Equity capital to assets | 5.1842% | 4,384 |
| Core capital (leverage) ratio | 8.8439% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7006% | 1,348 |
| Memoranda: | ||
| Average total assets | $155,473,000 | 3,313 |
| Average earning assets | $147,318,200 | 3,271 |
| Average equity | $7,104,200 | 4,035 |
| Average total loans | $81,427,200 | 3,387 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 1,732 |
| Cost of funding earning assets | 1.2406% | 2,299 |
| Net interest margin | 3.8095% | 1,574 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4905% | 2,262 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1113% | 2,018 |
| Return on assets (ROA) | 1.0401% | 2,238 |
| Pretax return on assets | 1.2345% | 2,213 |
| Return on Equity (ROE) | 23.5500% | 458 |
| Retained earnings to average equity (ytd only) | 23.5496% | 156 |
| Net charge-offs to loans | 0.0509% | 1,170 |
| Credit loss provision to net charge-offs | 341.9355% | 812 |
| Earnings coverage of net charge-offs (x) | 53.0968% | 1,274 |
| Efficiency ratio | 63.8480% | 2,510 |
| Assets per employee ($millions) | 5.2864% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 2,966 |
| Loan loss allowance to noncurrent loans | 2,806.2500% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,281 |
| Noncurrent loans to loans | 0.0385% | 3,491 |
| Net loans and leases to total assets | 53.6600% | 3,387 |
| Net loans and leases to deposits | 61.0068% | 3,450 |
| Net loans and leases to core deposits | 66.6302% | 3,398 |
| Total domestic deposits to total assets | 87.9600% | 1,588 |
| Equity capital to assets | 4.0162% | 4,401 |
| Core capital (leverage) ratio | 9.0945% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0513% | 1,308 |
| Memoranda: | ||
| Average total assets | $155,627,750 | 3,321 |
| Average earning assets | $147,452,000 | 3,283 |
| Average equity | $6,873,250 | 4,059 |
| Average total loans | $81,144,500 | 3,399 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 1,774 |
| Cost of funding earning assets | 1.0846% | 2,338 |
| Net interest margin | 3.8090% | 1,605 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.4539% | 2,337 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1587% | 1,951 |
| Return on assets (ROA) | 1.0908% | 2,141 |
| Pretax return on assets | 1.3082% | 2,061 |
| Return on Equity (ROE) | 23.9900% | 432 |
| Retained earnings to average equity (ytd only) | 23.9876% | 142 |
| Net charge-offs to loans | 0.0522% | 993 |
| Credit loss provision to net charge-offs | 200.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | 53.7619% | 1,249 |
| Efficiency ratio | 62.9593% | 2,597 |
| Assets per employee ($millions) | 5.0213% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,253 |
| Loan loss allowance to noncurrent loans | 558.9404% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 2,852 |
| Noncurrent loans to loans | 0.1858% | 2,543 |
| Net loans and leases to total assets | 51.6700% | 3,434 |
| Net loans and leases to deposits | 57.7470% | 3,552 |
| Net loans and leases to core deposits | 62.2596% | 3,527 |
| Total domestic deposits to total assets | 89.4700% | 1,088 |
| Equity capital to assets | 4.6743% | 4,421 |
| Core capital (leverage) ratio | 8.9780% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9402% | 1,332 |
| Memoranda: | ||
| Average total assets | $156,401,667 | 3,335 |
| Average earning assets | $148,439,000 | 3,289 |
| Average equity | $7,112,000 | 4,062 |
| Average total loans | $80,471,000 | 3,408 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,985 |
| Cost of funding earning assets | 0.9824% | 2,107 |
| Net interest margin | 3.6612% | 1,994 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.4520% | 2,366 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0030% | 2,514 |
| Return on assets (ROA) | 0.8675% | 2,917 |
| Pretax return on assets | 1.0486% | 2,861 |
| Return on Equity (ROE) | 19.3500% | 835 |
| Retained earnings to average equity (ytd only) | 19.3457% | 413 |
| Net charge-offs to loans | 0.0100% | 1,563 |
| Credit loss provision to net charge-offs | 1,350.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 426 |
| Efficiency ratio | 65.6869% | 2,241 |
| Assets per employee ($millions) | 5.1428% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,237 |
| Loan loss allowance to noncurrent loans | 356.3025% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,431 |
| Noncurrent loans to loans | 0.2986% | 2,076 |
| Net loans and leases to total assets | 51.1100% | 3,411 |
| Net loans and leases to deposits | 54.6435% | 3,643 |
| Net loans and leases to core deposits | 58.4607% | 3,611 |
| Total domestic deposits to total assets | 93.5300% | 225 |
| Equity capital to assets | 4.9759% | 4,422 |
| Core capital (leverage) ratio | 8.4651% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6416% | 1,456 |
| Memoranda: | ||
| Average total assets | $156,773,000 | 3,366 |
| Average earning assets | $149,023,500 | 3,326 |
| Average equity | $7,030,000 | 4,122 |
| Average total loans | $80,073,500 | 3,450 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 1,331 |
| Cost of funding earning assets | 0.4350% | 1,825 |
| Net interest margin | 3.7241% | 1,327 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.3219% | 2,664 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1583% | 1,941 |
| Return on assets (ROA) | 1.1594% | 1,871 |
| Pretax return on assets | 1.4173% | 1,721 |
| Return on Equity (ROE) | 20.5700% | 422 |
| Retained earnings to average equity (ytd only) | 8.9141% | 1,505 |
| Net charge-offs to loans | 0.0165% | 1,787 |
| Credit loss provision to net charge-offs | 925.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 192.6667% | 660 |
| Efficiency ratio | 60.9525% | 2,916 |
| Assets per employee ($millions) | 5.3087% | 3,411 |
| Cash dividends to net income (ytd only)* | 56.6593% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,242 |
| Loan loss allowance to noncurrent loans | 367.4107% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 2,554 |
| Noncurrent loans to loans | 0.2784% | 2,155 |
| Net loans and leases to total assets | 50.0000% | 3,502 |
| Net loans and leases to deposits | 54.5062% | 3,651 |
| Net loans and leases to core deposits | 58.2291% | 3,599 |
| Total domestic deposits to total assets | 91.7300% | 707 |
| Equity capital to assets | 4.0079% | 4,520 |
| Core capital (leverage) ratio | 8.3421% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8784% | 1,668 |
| Memoranda: | ||
| Average total assets | $155,431,200 | 3,388 |
| Average earning assets | $148,519,800 | 3,338 |
| Average equity | $8,761,400 | 4,015 |
| Average total loans | $72,738,000 | 3,524 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 1,113 |
| Cost of funding earning assets | 0.3416% | 1,773 |
| Net interest margin | 3.7324% | 1,069 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.3425% | 2,505 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1353% | 1,950 |
| Return on assets (ROA) | 1.1367% | 1,918 |
| Pretax return on assets | 1.4060% | 1,695 |
| Return on Equity (ROE) | 18.7700% | 549 |
| Retained earnings to average equity (ytd only) | 18.7682% | 138 |
| Net charge-offs to loans | 0.0056% | 1,963 |
| Credit loss provision to net charge-offs | 3,200.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 574.3333% | 278 |
| Efficiency ratio | 61.1675% | 2,943 |
| Assets per employee ($millions) | 5.1053% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,134 |
| Loan loss allowance to noncurrent loans | 347.6596% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,431 |
| Noncurrent loans to loans | 0.3085% | 2,139 |
| Net loans and leases to total assets | 49.2000% | 3,515 |
| Net loans and leases to deposits | 54.3282% | 3,583 |
| Net loans and leases to core deposits | 57.2778% | 3,544 |
| Total domestic deposits to total assets | 90.5600% | 1,416 |
| Equity capital to assets | 3.8946% | 4,485 |
| Core capital (leverage) ratio | 8.7722% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1361% | 1,393 |
| Memoranda: | ||
| Average total assets | $154,473,500 | 3,423 |
| Average earning assets | $147,927,500 | 3,368 |
| Average equity | $9,356,000 | 3,995 |
| Average total loans | $70,810,250 | 3,579 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 1,097 |
| Cost of funding earning assets | 0.3227% | 1,506 |
| Net interest margin | 3.5875% | 1,086 |
| Noninterest income to average assets | 0.2492% | 3,682 |
| Noninterest expense to average assets | 2.3071% | 2,530 |
| Loan and lease loss provision to assets | 0.0504% | 1,677 |
| Net operating income to assets | 1.0850% | 1,830 |
| Return on assets (ROA) | 1.0871% | 1,806 |
| Pretax return on assets | 1.3388% | 1,617 |
| Return on Equity (ROE) | 16.0590% | 688 |
| Retained earnings to average equity (ytd only) | 16.0590% | 186 |
| Net charge-offs to loans | -0.0580% | 4,293 |
| Credit loss provision to net charge-offs | -195.0000% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4607% | 2,986 |
| Assets per employee ($millions) | 5.0525% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,262 |
| Loan loss allowance to noncurrent loans | 304.6693% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,422 |
| Noncurrent loans to loans | 0.3527% | 2,087 |
| Net loans and leases to total assets | 47.5560% | 3,590 |
| Net loans and leases to deposits | 50.7895% | 3,766 |
| Net loans and leases to core deposits | 53.9612% | 3,696 |
| Total domestic deposits to total assets | 93.6335% | 364 |
| Equity capital to assets | 5.0477% | 4,465 |
| Core capital (leverage) ratio | 8.6311% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2788% | 1,364 |
| Memoranda: | ||
| Average total assets | $154,911,333 | 3,454 |
| Average earning assets | $148,737,667 | 3,406 |
| Average equity | $10,486,333 | 3,937 |
| Average total loans | $69,022,333 | 3,636 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 1,164 |
| Cost of funding earning assets | 0.3188% | 1,477 |
| Net interest margin | 3.4402% | 1,204 |
| Noninterest income to average assets | 0.2350% | 3,735 |
| Noninterest expense to average assets | 2.2889% | 2,542 |
| Loan and lease loss provision to assets | 0.0741% | 1,117 |
| Net operating income to assets | 0.9640% | 2,021 |
| Return on assets (ROA) | 0.9682% | 2,002 |
| Pretax return on assets | 1.1853% | 1,856 |
| Return on Equity (ROE) | 12.7352% | 1,100 |
| Retained earnings to average equity (ytd only) | 12.7352% | 497 |
| Net charge-offs to loans | -0.0060% | 3,399 |
| Credit loss provision to net charge-offs | -2,900.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5999% | 2,957 |
| Assets per employee ($millions) | 5.1329% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,340 |
| Loan loss allowance to noncurrent loans | 252.1739% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,469 |
| Noncurrent loans to loans | 0.4344% | 1,944 |
| Net loans and leases to total assets | 44.2073% | 3,725 |
| Net loans and leases to deposits | 47.7146% | 3,884 |
| Net loans and leases to core deposits | 50.6710% | 3,836 |
| Total domestic deposits to total assets | 92.6493% | 365 |
| Equity capital to assets | 6.5324% | 4,418 |
| Core capital (leverage) ratio | 8.3683% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6112% | 1,361 |
| Memoranda: | ||
| Average total assets | $156,579,500 | 3,455 |
| Average earning assets | $150,570,500 | 3,402 |
| Average equity | $11,904,000 | 3,870 |
| Average total loans | $67,100,500 | 3,678 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8338% | 1,785 |
| Cost of funding earning assets | 0.3900% | 1,612 |
| Net interest margin | 3.4438% | 1,896 |
| Noninterest income to average assets | 0.2339% | 3,980 |
| Noninterest expense to average assets | 2.3145% | 2,753 |
| Loan and lease loss provision to assets | 0.0147% | 2,791 |
| Net operating income to assets | 1.0441% | 2,504 |
| Return on assets (ROA) | 1.0446% | 2,579 |
| Pretax return on assets | 1.2164% | 2,610 |
| Return on Equity (ROE) | 11.0307% | 2,155 |
| Retained earnings to average equity (ytd only) | 3.8604% | 3,274 |
| Net charge-offs to loans | 0.0234% | 1,780 |
| Credit loss provision to net charge-offs | 146.6667% | 1,506 |
| Earnings coverage of net charge-offs (x) | 122.7333% | 769 |
| Efficiency ratio | 65.2903% | 2,361 |
| Assets per employee ($millions) | 5.4887% | 3,269 |
| Cash dividends to net income (ytd only)* | 65.0032% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,326 |
| Loan loss allowance to noncurrent loans | 249.6552% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 2,661 |
| Noncurrent loans to loans | 0.4436% | 2,028 |
| Net loans and leases to total assets | 40.6162% | 4,055 |
| Net loans and leases to deposits | 44.9602% | 4,141 |
| Net loans and leases to core deposits | 47.5742% | 4,115 |
| Total domestic deposits to total assets | 90.3382% | 787 |
| Equity capital to assets | 8.6378% | 3,951 |
| Core capital (leverage) ratio | 8.3034% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8283% | 1,306 |
| Memoranda: | ||
| Average total assets | $149,621,600 | 3,486 |
| Average earning assets | $143,853,400 | 3,430 |
| Average equity | $14,169,600 | 3,726 |
| Average total loans | $64,105,600 | 3,762 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 1,802 |
| Cost of funding earning assets | 0.4126% | 1,606 |
| Net interest margin | 3.4721% | 1,952 |
| Noninterest income to average assets | 0.2327% | 4,004 |
| Noninterest expense to average assets | 2.3789% | 2,509 |
| Loan and lease loss provision to assets | 0.0109% | 2,774 |
| Net operating income to assets | 0.9791% | 2,991 |
| Return on assets (ROA) | 0.9798% | 3,068 |
| Pretax return on assets | 1.1818% | 2,985 |
| Return on Equity (ROE) | 10.1062% | 2,698 |
| Retained earnings to average equity (ytd only) | 10.1062% | 1,282 |
| Net charge-offs to loans | 0.0293% | 1,464 |
| Credit loss provision to net charge-offs | 85.7143% | 1,687 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 899 |
| Efficiency ratio | 66.6244% | 2,018 |
| Assets per employee ($millions) | 5.0767% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,445 |
| Loan loss allowance to noncurrent loans | 244.0273% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,835 |
| Noncurrent loans to loans | 0.4504% | 2,209 |
| Net loans and leases to total assets | 42.2482% | 4,074 |
| Net loans and leases to deposits | 47.3919% | 4,153 |
| Net loans and leases to core deposits | 50.3037% | 4,121 |
| Total domestic deposits to total assets | 89.1464% | 1,199 |
| Equity capital to assets | 9.6185% | 3,270 |
| Core capital (leverage) ratio | 8.8948% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5760% | 1,227 |
| Memoranda: | ||
| Average total assets | $147,233,750 | 3,541 |
| Average earning assets | $141,542,500 | 3,495 |
| Average equity | $14,274,750 | 3,755 |
| Average total loans | $63,788,500 | 3,819 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 1,814 |
| Cost of funding earning assets | 0.4277% | 1,673 |
| Net interest margin | 3.4734% | 1,939 |
| Noninterest income to average assets | 0.2171% | 4,107 |
| Noninterest expense to average assets | 2.3759% | 2,541 |
| Loan and lease loss provision to assets | 0.0151% | 2,648 |
| Net operating income to assets | 0.9663% | 3,014 |
| Return on assets (ROA) | 0.9674% | 3,090 |
| Pretax return on assets | 1.1639% | 3,014 |
| Return on Equity (ROE) | 9.9505% | 2,758 |
| Retained earnings to average equity (ytd only) | 9.9505% | 1,408 |
| Net charge-offs to loans | 0.0442% | 1,192 |
| Credit loss provision to net charge-offs | 78.5714% | 1,491 |
| Earnings coverage of net charge-offs (x) | 61.2143% | 960 |
| Efficiency ratio | 66.8600% | 2,035 |
| Assets per employee ($millions) | 4.7678% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,322 |
| Loan loss allowance to noncurrent loans | 252.2968% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 2,773 |
| Noncurrent loans to loans | 0.4446% | 2,337 |
| Net loans and leases to total assets | 42.5830% | 4,137 |
| Net loans and leases to deposits | 47.7864% | 4,235 |
| Net loans and leases to core deposits | 50.8841% | 4,191 |
| Total domestic deposits to total assets | 89.1112% | 1,222 |
| Equity capital to assets | 9.6974% | 3,146 |
| Core capital (leverage) ratio | 8.7271% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6260% | 1,204 |
| Memoranda: | ||
| Average total assets | $145,545,000 | 3,571 |
| Average earning assets | $139,805,333 | 3,516 |
| Average equity | $14,150,000 | 3,776 |
| Average total loans | $63,365,000 | 3,844 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 1,709 |
| Cost of funding earning assets | 0.4450% | 1,762 |
| Net interest margin | 3.5047% | 1,809 |
| Noninterest income to average assets | 0.2271% | 4,018 |
| Noninterest expense to average assets | 2.3765% | 2,573 |
| Loan and lease loss provision to assets | 0.0111% | 2,632 |
| Net operating income to assets | 0.9948% | 2,822 |
| Return on assets (ROA) | 0.9971% | 2,908 |
| Pretax return on assets | 1.2021% | 2,843 |
| Return on Equity (ROE) | 10.2429% | 2,604 |
| Retained earnings to average equity (ytd only) | 10.2429% | 1,586 |
| Net charge-offs to loans | 0.0253% | 1,248 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 109.2500% | 582 |
| Efficiency ratio | 66.2548% | 2,188 |
| Assets per employee ($millions) | 4.7172% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,251 |
| Loan loss allowance to noncurrent loans | 273.6641% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 3,051 |
| Noncurrent loans to loans | 0.4164% | 2,605 |
| Net loans and leases to total assets | 42.5331% | 4,198 |
| Net loans and leases to deposits | 47.6514% | 4,272 |
| Net loans and leases to core deposits | 50.5055% | 4,268 |
| Total domestic deposits to total assets | 89.2588% | 1,195 |
| Equity capital to assets | 9.4398% | 3,253 |
| Core capital (leverage) ratio | 8.8334% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3962% | 1,197 |
| Memoranda: | ||
| Average total assets | $144,416,000 | 3,582 |
| Average earning assets | $138,442,500 | 3,531 |
| Average equity | $14,058,500 | 3,790 |
| Average total loans | $63,221,000 | 3,863 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,243 |
| Cost of funding earning assets | 0.6019% | 2,291 |
| Net interest margin | 3.9257% | 1,147 |
| Noninterest income to average assets | 0.1961% | 4,301 |
| Noninterest expense to average assets | 2.4927% | 2,870 |
| Loan and lease loss provision to assets | -0.0661% | 4,946 |
| Net operating income to assets | 1.2653% | 1,347 |
| Return on assets (ROA) | 1.2653% | 1,455 |
| Pretax return on assets | 1.5215% | 1,264 |
| Return on Equity (ROE) | 12.0817% | 1,300 |
| Retained earnings to average equity (ytd only) | 4.2522% | 2,684 |
| Net charge-offs to loans | 0.0235% | 2,575 |
| Credit loss provision to net charge-offs | -580.0000% | 3,950 |
| Earnings coverage of net charge-offs (x) | 127.6667% | 667 |
| Efficiency ratio | 63.1376% | 2,953 |
| Assets per employee ($millions) | 4.6000% | 3,812 |
| Cash dividends to net income (ytd only)* | 64.8048% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,312 |
| Loan loss allowance to noncurrent loans | 226.1830% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 3,174 |
| Noncurrent loans to loans | 0.4990% | 2,474 |
| Net loans and leases to total assets | 44.0470% | 4,245 |
| Net loans and leases to deposits | 49.7418% | 4,326 |
| Net loans and leases to core deposits | 52.8192% | 4,306 |
| Total domestic deposits to total assets | 88.5512% | 1,190 |
| Equity capital to assets | 10.0372% | 3,097 |
| Core capital (leverage) ratio | 9.0305% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7749% | 1,320 |
| Memoranda: | ||
| Average total assets | $131,584,800 | 3,607 |
| Average earning assets | $125,760,800 | 3,560 |
| Average equity | $13,781,200 | 3,789 |
| Average total loans | $63,795,200 | 3,851 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 1,232 |
| Cost of funding earning assets | 0.6536% | 2,308 |
| Net interest margin | 3.9744% | 1,172 |
| Noninterest income to average assets | 0.1853% | 4,362 |
| Noninterest expense to average assets | 2.5076% | 2,813 |
| Loan and lease loss provision to assets | 0.0210% | 4,072 |
| Net operating income to assets | 1.1891% | 1,673 |
| Return on assets (ROA) | 1.1891% | 1,796 |
| Pretax return on assets | 1.4582% | 1,546 |
| Return on Equity (ROE) | 11.2246% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.2246% | 532 |
| Net charge-offs to loans | 0.2297% | 667 |
| Credit loss provision to net charge-offs | 18.1818% | 2,981 |
| Earnings coverage of net charge-offs (x) | 12.9909% | 2,219 |
| Efficiency ratio | 62.9024% | 2,930 |
| Assets per employee ($millions) | 4.5280% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,091 |
| Loan loss allowance to noncurrent loans | 242.1927% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 3,304 |
| Noncurrent loans to loans | 0.4630% | 2,667 |
| Net loans and leases to total assets | 48.9559% | 4,159 |
| Net loans and leases to deposits | 56.0834% | 4,252 |
| Net loans and leases to core deposits | 59.9148% | 4,208 |
| Total domestic deposits to total assets | 87.2913% | 1,545 |
| Equity capital to assets | 11.2290% | 2,209 |
| Core capital (leverage) ratio | 9.8331% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9046% | 1,070 |
| Memoranda: | ||
| Average total assets | $128,831,000 | 3,626 |
| Average earning assets | $123,218,500 | 3,576 |
| Average equity | $13,648,250 | 3,800 |
| Average total loans | $63,862,000 | 3,866 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 1,428 |
| Cost of funding earning assets | 0.6866% | 2,467 |
| Net interest margin | 4.0050% | 1,306 |
| Noninterest income to average assets | 0.1719% | 4,433 |
| Noninterest expense to average assets | 2.5155% | 2,924 |
| Loan and lease loss provision to assets | -0.0016% | 4,998 |
| Net operating income to assets | 1.2000% | 1,638 |
| Return on assets (ROA) | 1.2000% | 1,766 |
| Pretax return on assets | 1.4859% | 1,488 |
| Return on Equity (ROE) | 11.5639% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.5639% | 521 |
| Net charge-offs to loans | 0.3529% | 451 |
| Credit loss provision to net charge-offs | -0.8929% | 3,322 |
| Earnings coverage of net charge-offs (x) | 8.4821% | 2,283 |
| Efficiency ratio | 62.8906% | 2,971 |
| Assets per employee ($millions) | 4.5119% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 2,969 |
| Loan loss allowance to noncurrent loans | 240.1361% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 3,431 |
| Noncurrent loans to loans | 0.4644% | 2,747 |
| Net loans and leases to total assets | 47.8448% | 4,266 |
| Net loans and leases to deposits | 55.1928% | 4,325 |
| Net loans and leases to core deposits | 58.9888% | 4,306 |
| Total domestic deposits to total assets | 86.6866% | 1,737 |
| Equity capital to assets | 10.8295% | 2,477 |
| Core capital (leverage) ratio | 9.6819% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5694% | 1,121 |
| Memoranda: | ||
| Average total assets | $128,004,000 | 3,620 |
| Average earning assets | $122,347,000 | 3,572 |
| Average equity | $13,282,667 | 3,843 |
| Average total loans | $63,478,000 | 3,887 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 1,136 |
| Cost of funding earning assets | 0.7189% | 2,847 |
| Net interest margin | 4.2040% | 911 |
| Noninterest income to average assets | 0.1833% | 4,450 |
| Noninterest expense to average assets | 2.5627% | 3,093 |
| Loan and lease loss provision to assets | 0.0695% | 2,875 |
| Net operating income to assets | 1.2514% | 1,376 |
| Return on assets (ROA) | 1.2514% | 1,479 |
| Pretax return on assets | 1.5610% | 1,155 |
| Return on Equity (ROE) | 12.3374% | 1,024 |
| Retained earnings to average equity (ytd only) | 12.3374% | 390 |
| Net charge-offs to loans | 0.7111% | 213 |
| Credit loss provision to net charge-offs | 19.4690% | 2,205 |
| Earnings coverage of net charge-offs (x) | 4.5664% | 2,124 |
| Efficiency ratio | 61.1153% | 3,599 |
| Assets per employee ($millions) | 3.9970% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 2,878 |
| Loan loss allowance to noncurrent loans | 251.0345% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 3,526 |
| Noncurrent loans to loans | 0.4623% | 2,867 |
| Net loans and leases to total assets | 50.0424% | 4,239 |
| Net loans and leases to deposits | 57.9820% | 4,288 |
| Net loans and leases to core deposits | 62.2119% | 4,266 |
| Total domestic deposits to total assets | 86.3067% | 1,871 |
| Equity capital to assets | 10.7686% | 3,079 |
| Core capital (leverage) ratio | 9.5918% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5136% | 1,234 |
| Memoranda: | ||
| Average total assets | $126,583,000 | 3,622 |
| Average earning assets | $120,742,500 | 3,571 |
| Average equity | $12,839,000 | 3,894 |
| Average total loans | $63,562,500 | 3,892 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0410% | 1,364 |
| Cost of funding earning assets | 0.7404% | 2,971 |
| Net interest margin | 4.3007% | 1,089 |
| Noninterest income to average assets | 0.2342% | 4,278 |
| Noninterest expense to average assets | 2.5741% | 3,250 |
| Loan and lease loss provision to assets | 0.3136% | 517 |
| Net operating income to assets | 1.2555% | 1,850 |
| Return on assets (ROA) | 1.2583% | 1,925 |
| Pretax return on assets | 1.4584% | 1,947 |
| Return on Equity (ROE) | 12.8430% | 1,218 |
| Retained earnings to average equity (ytd only) | 4.3995% | 2,763 |
| Net charge-offs to loans | 0.5943% | 313 |
| Credit loss provision to net charge-offs | 99.4859% | 2,512 |
| Earnings coverage of net charge-offs (x) | 5.6118% | 3,063 |
| Efficiency ratio | 59.2724% | 3,803 |
| Assets per employee ($millions) | 4.1696% | 3,670 |
| Cash dividends to net income (ytd only)* | 65.7437% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,060 |
| Loan loss allowance to noncurrent loans | 185.2941% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 3,041 |
| Noncurrent loans to loans | 0.6864% | 2,168 |
| Net loans and leases to total assets | 49.1819% | 4,362 |
| Net loans and leases to deposits | 56.2131% | 4,451 |
| Net loans and leases to core deposits | 60.0557% | 4,438 |
| Total domestic deposits to total assets | 87.4918% | 1,368 |
| Equity capital to assets | 9.5429% | 4,316 |
| Core capital (leverage) ratio | 9.4100% | 4,157 |
| Tier 1 risk-based capital ratio | 15.7181% | 2,495 |
| Total risk-based capital ratio | 16.8367% | 2,485 |
| Memoranda: | ||
| Average total assets | $123,419,600 | 3,649 |
| Average earning assets | $117,912,200 | 3,590 |
| Average equity | $12,092,200 | 3,988 |
| Average total loans | $65,453,600 | 3,874 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 1,251 |
| Cost of funding earning assets | 0.7522% | 2,957 |
| Net interest margin | 4.3648% | 1,024 |
| Noninterest income to average assets | 0.2504% | 4,242 |
| Noninterest expense to average assets | 2.6281% | 3,082 |
| Loan and lease loss provision to assets | 0.3422% | 397 |
| Net operating income to assets | 1.2709% | 1,947 |
| Return on assets (ROA) | 1.2747% | 2,016 |
| Pretax return on assets | 1.4584% | 2,083 |
| Return on Equity (ROE) | 12.9213% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.9213% | 288 |
| Net charge-offs to loans | 0.7405% | 213 |
| Credit loss provision to net charge-offs | 85.7534% | 2,441 |
| Earnings coverage of net charge-offs (x) | 4.5014% | 3,003 |
| Efficiency ratio | 59.4020% | 3,750 |
| Assets per employee ($millions) | 3.9767% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 2,848 |
| Loan loss allowance to noncurrent loans | 153.8000% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 2,680 |
| Noncurrent loans to loans | 0.7383% | 2,119 |
| Net loans and leases to total assets | 54.3102% | 4,157 |
| Net loans and leases to deposits | 63.3451% | 4,221 |
| Net loans and leases to core deposits | 67.9702% | 4,176 |
| Total domestic deposits to total assets | 85.7370% | 2,106 |
| Equity capital to assets | 10.6662% | 3,406 |
| Core capital (leverage) ratio | 9.9939% | 3,648 |
| Tier 1 risk-based capital ratio | 15.9501% | 2,448 |
| Total risk-based capital ratio | 16.9603% | 2,490 |
| Memoranda: | ||
| Average total assets | $121,959,750 | 3,701 |
| Average earning assets | $116,628,250 | 3,641 |
| Average equity | $12,031,500 | 4,032 |
| Average total loans | $65,719,250 | 3,912 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 1,329 |
| Cost of funding earning assets | 0.7307% | 2,993 |
| Net interest margin | 4.3272% | 1,086 |
| Noninterest income to average assets | 0.2370% | 4,339 |
| Noninterest expense to average assets | 2.6185% | 3,154 |
| Loan and lease loss provision to assets | 0.2419% | 640 |
| Net operating income to assets | 1.2176% | 2,082 |
| Return on assets (ROA) | 1.2228% | 2,122 |
| Pretax return on assets | 1.5257% | 1,769 |
| Return on Equity (ROE) | 12.7455% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.7455% | 327 |
| Net charge-offs to loans | 0.6887% | 220 |
| Credit loss provision to net charge-offs | 65.6250% | 2,359 |
| Earnings coverage of net charge-offs (x) | 4.7768% | 2,711 |
| Efficiency ratio | 59.7896% | 3,761 |
| Assets per employee ($millions) | 3.9522% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,050 |
| Loan loss allowance to noncurrent loans | 165.7016% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 2,822 |
| Noncurrent loans to loans | 0.6664% | 2,293 |
| Net loans and leases to total assets | 54.3891% | 4,185 |
| Net loans and leases to deposits | 63.0978% | 4,267 |
| Net loans and leases to core deposits | 67.6428% | 4,226 |
| Total domestic deposits to total assets | 86.1981% | 1,933 |
| Equity capital to assets | 10.1943% | 3,795 |
| Core capital (leverage) ratio | 9.7534% | 3,883 |
| Tier 1 risk-based capital ratio | 15.5171% | 2,624 |
| Total risk-based capital ratio | 16.5023% | 2,669 |
| Memoranda: | ||
| Average total assets | $121,520,670 | 3,735 |
| Average earning assets | $116,334,670 | 3,672 |
| Average equity | $11,659,000 | 4,093 |
| Average total loans | $65,052,000 | 3,953 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 1,124 |
| Cost of funding earning assets | 0.7085% | 3,012 |
| Net interest margin | 4.3786% | 946 |
| Noninterest income to average assets | 0.2281% | 4,373 |
| Noninterest expense to average assets | 2.5417% | 3,394 |
| Loan and lease loss provision to assets | 0.3867% | 300 |
| Net operating income to assets | 1.2023% | 2,046 |
| Return on assets (ROA) | 1.2130% | 2,054 |
| Pretax return on assets | 1.5006% | 1,767 |
| Return on Equity (ROE) | 13.0564% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.0564% | 454 |
| Net charge-offs to loans | 0.0313% | 1,823 |
| Credit loss provision to net charge-offs | 2,340.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 612 |
| Efficiency ratio | 57.5599% | 4,142 |
| Assets per employee ($millions) | 3.7611% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,542 |
| Loan loss allowance to noncurrent loans | 174.7191% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,621 |
| Noncurrent loans to loans | 0.8229% | 1,999 |
| Net loans and leases to total assets | 53.1432% | 4,261 |
| Net loans and leases to deposits | 60.9793% | 4,360 |
| Net loans and leases to core deposits | 64.5826% | 4,353 |
| Total domestic deposits to total assets | 87.1496% | 1,739 |
| Equity capital to assets | 9.7238% | 4,066 |
| Core capital (leverage) ratio | 9.3893% | 4,270 |
| Tier 1 risk-based capital ratio | 15.3687% | 2,718 |
| Total risk-based capital ratio | 16.6179% | 2,633 |
| Memoranda: | ||
| Average total assets | $121,021,500 | 3,788 |
| Average earning assets | $115,744,500 | 3,719 |
| Average equity | $11,243,500 | 4,162 |
| Average total loans | $63,887,500 | 4,012 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 1,286 |
| Cost of funding earning assets | 0.5711% | 2,914 |
| Net interest margin | 4.3294% | 1,092 |
| Noninterest income to average assets | 0.3015% | 4,087 |
| Noninterest expense to average assets | 2.5875% | 3,372 |
| Loan and lease loss provision to assets | 0.1367% | 1,571 |
| Net operating income to assets | 1.3701% | 1,533 |
| Return on assets (ROA) | 1.3579% | 1,574 |
| Pretax return on assets | 1.6882% | 1,198 |
| Return on Equity (ROE) | 14.7924% | 875 |
| Retained earnings to average equity (ytd only) | 5.3471% | 2,564 |
| Net charge-offs to loans | 0.0354% | 2,696 |
| Credit loss provision to net charge-offs | 766.6667% | 464 |
| Earnings coverage of net charge-offs (x) | 103.1905% | 729 |
| Efficiency ratio | 58.4388% | 4,089 |
| Assets per employee ($millions) | 3.9255% | 4,002 |
| Cash dividends to net income (ytd only)* | 63.8524% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,010 |
| Loan loss allowance to noncurrent loans | 137.9832% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 2,417 |
| Noncurrent loans to loans | 0.9462% | 1,707 |
| Net loans and leases to total assets | 50.9997% | 4,455 |
| Net loans and leases to deposits | 58.1935% | 4,567 |
| Net loans and leases to core deposits | 61.8162% | 4,547 |
| Total domestic deposits to total assets | 87.6382% | 1,472 |
| Equity capital to assets | 8.8619% | 4,682 |
| Core capital (leverage) ratio | 9.3851% | 4,255 |
| Tier 1 risk-based capital ratio | 15.1297% | 2,767 |
| Total risk-based capital ratio | 16.2609% | 2,754 |
| Memoranda: | ||
| Average total assets | $117,758,200 | 3,824 |
| Average earning assets | $112,233,800 | 3,774 |
| Average equity | $10,809,600 | 4,187 |
| Average total loans | $59,340,800 | 4,110 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 1,169 |
| Cost of funding earning assets | 0.5282% | 3,011 |
| Net interest margin | 4.3669% | 973 |
| Noninterest income to average assets | 0.3094% | 4,077 |
| Noninterest expense to average assets | 2.6261% | 3,214 |
| Loan and lease loss provision to assets | 0.1564% | 1,249 |
| Net operating income to assets | 1.3651% | 1,606 |
| Return on assets (ROA) | 1.3484% | 1,681 |
| Pretax return on assets | 1.6693% | 1,351 |
| Return on Equity (ROE) | 14.5583% | 966 |
| Retained earnings to average equity (ytd only) | 14.5583% | 197 |
| Net charge-offs to loans | 0.0365% | 2,353 |
| Credit loss provision to net charge-offs | 856.2500% | 463 |
| Earnings coverage of net charge-offs (x) | 101.0759% | 744 |
| Efficiency ratio | 58.7184% | 4,006 |
| Assets per employee ($millions) | 3.6498% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,203 |
| Loan loss allowance to noncurrent loans | 127.0998% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,385 |
| Noncurrent loans to loans | 1.0057% | 1,702 |
| Net loans and leases to total assets | 53.0322% | 4,418 |
| Net loans and leases to deposits | 61.9520% | 4,445 |
| Net loans and leases to core deposits | 65.7122% | 4,419 |
| Total domestic deposits to total assets | 85.6021% | 2,358 |
| Equity capital to assets | 9.4353% | 4,145 |
| Core capital (leverage) ratio | 9.9520% | 3,691 |
| Tier 1 risk-based capital ratio | 16.1160% | 2,402 |
| Total risk-based capital ratio | 17.2317% | 2,393 |
| Memoranda: | ||
| Average total assets | $116,775,500 | 3,878 |
| Average earning assets | $111,320,000 | 3,824 |
| Average equity | $10,816,000 | 4,225 |
| Average total loans | $58,455,500 | 4,173 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 1,172 |
| Cost of funding earning assets | 0.4911% | 3,074 |
| Net interest margin | 4.3411% | 955 |
| Noninterest income to average assets | 0.3323% | 3,960 |
| Noninterest expense to average assets | 2.6240% | 3,247 |
| Loan and lease loss provision to assets | 0.1593% | 1,173 |
| Net operating income to assets | 1.3356% | 1,647 |
| Return on assets (ROA) | 1.3343% | 1,659 |
| Pretax return on assets | 1.6802% | 1,273 |
| Return on Equity (ROE) | 14.4957% | 958 |
| Retained earnings to average equity (ytd only) | 14.4957% | 236 |
| Net charge-offs to loans | 0.0736% | 1,596 |
| Credit loss provision to net charge-offs | 442.8571% | 768 |
| Earnings coverage of net charge-offs (x) | 51.1905% | 1,113 |
| Efficiency ratio | 58.7649% | 4,119 |
| Assets per employee ($millions) | 3.7656% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,426 |
| Loan loss allowance to noncurrent loans | 117.2897% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 2,397 |
| Noncurrent loans to loans | 1.0671% | 1,654 |
| Net loans and leases to total assets | 50.8948% | 4,551 |
| Net loans and leases to deposits | 57.3853% | 4,676 |
| Net loans and leases to core deposits | 60.2198% | 4,692 |
| Total domestic deposits to total assets | 88.6896% | 1,059 |
| Equity capital to assets | 9.3161% | 4,269 |
| Core capital (leverage) ratio | 9.5774% | 4,019 |
| Tier 1 risk-based capital ratio | 15.9490% | 2,455 |
| Total risk-based capital ratio | 17.0230% | 2,471 |
| Memoranda: | ||
| Average total assets | $116,769,000 | 3,915 |
| Average earning assets | $111,170,670 | 3,854 |
| Average equity | $10,748,000 | 4,269 |
| Average total loans | $57,027,000 | 4,245 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,436 |
| Cost of funding earning assets | 0.4697% | 3,046 |
| Net interest margin | 4.1803% | 1,213 |
| Noninterest income to average assets | 0.3357% | 3,913 |
| Noninterest expense to average assets | 2.4866% | 3,688 |
| Loan and lease loss provision to assets | 0.1473% | 1,243 |
| Net operating income to assets | 1.3221% | 1,573 |
| Return on assets (ROA) | 1.3221% | 1,577 |
| Pretax return on assets | 1.6646% | 1,209 |
| Return on Equity (ROE) | 14.4508% | 914 |
| Retained earnings to average equity (ytd only) | 14.4508% | 367 |
| Net charge-offs to loans | 0.2164% | 691 |
| Credit loss provision to net charge-offs | 143.3333% | 1,260 |
| Earnings coverage of net charge-offs (x) | 17.6333% | 1,571 |
| Efficiency ratio | 57.8486% | 4,363 |
| Assets per employee ($millions) | 3.5986% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,556 |
| Loan loss allowance to noncurrent loans | 94.4218% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 2,233 |
| Noncurrent loans to loans | 1.3161% | 1,355 |
| Net loans and leases to total assets | 47.8950% | 4,703 |
| Net loans and leases to deposits | 53.0404% | 4,838 |
| Net loans and leases to core deposits | 54.8159% | 4,888 |
| Total domestic deposits to total assets | 90.2991% | 544 |
| Equity capital to assets | 9.2398% | 4,330 |
| Core capital (leverage) ratio | 9.2662% | 4,361 |
| Tier 1 risk-based capital ratio | 16.1326% | 2,414 |
| Total risk-based capital ratio | 17.1703% | 2,450 |
| Memoranda: | ||
| Average total assets | $116,787,000 | 3,956 |
| Average earning assets | $110,709,500 | 3,909 |
| Average equity | $10,684,500 | 4,323 |
| Average total loans | $55,458,500 | 4,316 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 1,736 |
| Cost of funding earning assets | 0.4499% | 2,777 |
| Net interest margin | 4.0399% | 1,622 |
| Noninterest income to average assets | 0.2797% | 4,458 |
| Noninterest expense to average assets | 2.4230% | 4,011 |
| Loan and lease loss provision to assets | 0.0725% | 2,760 |
| Net operating income to assets | 1.3098% | 1,205 |
| Return on assets (ROA) | 1.3126% | 1,213 |
| Pretax return on assets | 1.6401% | 1,191 |
| Return on Equity (ROE) | 14.1486% | 738 |
| Retained earnings to average equity (ytd only) | 5.4241% | 1,855 |
| Net charge-offs to loans | 0.1773% | 1,407 |
| Credit loss provision to net charge-offs | 88.5417% | 2,816 |
| Earnings coverage of net charge-offs (x) | 20.8750% | 1,944 |
| Efficiency ratio | 58.6378% | 4,456 |
| Assets per employee ($millions) | 3.8200% | 4,254 |
| Cash dividends to net income (ytd only)* | 61.6634% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,556 |
| Loan loss allowance to noncurrent loans | 90.8000% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 2,244 |
| Noncurrent loans to loans | 1.3619% | 1,277 |
| Net loans and leases to total assets | 45.9289% | 4,893 |
| Net loans and leases to deposits | 50.7673% | 5,036 |
| Net loans and leases to core deposits | 52.7762% | 5,049 |
| Total domestic deposits to total assets | 90.4695% | 409 |
| Equity capital to assets | 9.0601% | 4,659 |
| Core capital (leverage) ratio | 9.1249% | 4,495 |
| Tier 1 risk-based capital ratio | 16.0429% | 2,422 |
| Total risk-based capital ratio | 17.0931% | 2,441 |
| Memoranda: | ||
| Average total assets | $117,251,000 | 3,944 |
| Average earning assets | $111,809,400 | 3,885 |
| Average equity | $10,877,400 | 4,323 |
| Average total loans | $54,139,400 | 4,359 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 1,729 |
| Cost of funding earning assets | 0.4482% | 2,732 |
| Net interest margin | 4.0193% | 1,637 |
| Noninterest income to average assets | 0.2770% | 4,530 |
| Noninterest expense to average assets | 2.4601% | 3,854 |
| Loan and lease loss provision to assets | 0.0422% | 3,263 |
| Net operating income to assets | 1.3253% | 1,263 |
| Return on assets (ROA) | 1.3281% | 1,283 |
| Pretax return on assets | 1.6324% | 1,305 |
| Return on Equity (ROE) | 14.2314% | 784 |
| Retained earnings to average equity (ytd only) | 14.2314% | 145 |
| Net charge-offs to loans | 0.2473% | 873 |
| Credit loss provision to net charge-offs | 37.0000% | 3,022 |
| Earnings coverage of net charge-offs (x) | 14.6600% | 2,280 |
| Efficiency ratio | 59.5475% | 4,285 |
| Assets per employee ($millions) | 3.7351% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,379 |
| Loan loss allowance to noncurrent loans | 106.2500% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5778% | 2,788 |
| Noncurrent loans to loans | 1.0544% | 1,832 |
| Net loans and leases to total assets | 47.9458% | 4,829 |
| Net loans and leases to deposits | 54.4109% | 4,943 |
| Net loans and leases to core deposits | 56.6698% | 4,963 |
| Total domestic deposits to total assets | 88.1180% | 1,305 |
| Equity capital to assets | 10.1124% | 3,788 |
| Core capital (leverage) ratio | 9.4090% | 4,282 |
| Tier 1 risk-based capital ratio | 16.8356% | 2,208 |
| Total risk-based capital ratio | 17.7954% | 2,263 |
| Memoranda: | ||
| Average total assets | $116,958,750 | 3,983 |
| Average earning assets | $112,155,000 | 3,920 |
| Average equity | $10,914,500 | 4,355 |
| Average total loans | $53,906,750 | 4,402 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 1,685 |
| Cost of funding earning assets | 0.4323% | 2,783 |
| Net interest margin | 4.0112% | 1,569 |
| Noninterest income to average assets | 0.2710% | 4,609 |
| Noninterest expense to average assets | 2.4406% | 3,942 |
| Loan and lease loss provision to assets | 0.0869% | 2,245 |
| Net operating income to assets | 1.1650% | 1,716 |
| Return on assets (ROA) | 1.1675% | 1,753 |
| Pretax return on assets | 1.5901% | 1,379 |
| Return on Equity (ROE) | 12.8642% | 1,074 |
| Retained earnings to average equity (ytd only) | 12.8642% | 258 |
| Net charge-offs to loans | 0.3875% | 529 |
| Credit loss provision to net charge-offs | 49.5146% | 2,571 |
| Earnings coverage of net charge-offs (x) | 9.5340% | 2,425 |
| Efficiency ratio | 59.3206% | 4,421 |
| Assets per employee ($millions) | 3.5263% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 3,178 |
| Loan loss allowance to noncurrent loans | 129.0323% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 3,096 |
| Noncurrent loans to loans | 0.9087% | 2,156 |
| Net loans and leases to total assets | 46.3534% | 4,932 |
| Net loans and leases to deposits | 52.1204% | 5,053 |
| Net loans and leases to core deposits | 54.2508% | 5,078 |
| Total domestic deposits to total assets | 88.9352% | 992 |
| Equity capital to assets | 9.7681% | 4,157 |
| Core capital (leverage) ratio | 8.9829% | 4,745 |
| Tier 1 risk-based capital ratio | 16.4011% | 2,358 |
| Total risk-based capital ratio | 17.3960% | 2,389 |
| Memoranda: | ||
| Average total assets | $117,348,670 | 4,003 |
| Average earning assets | $112,434,670 | 3,936 |
| Average equity | $10,649,670 | 4,416 |
| Average total loans | $53,160,670 | 4,442 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 1,815 |
| Cost of funding earning assets | 0.4148% | 2,859 |
| Net interest margin | 3.9355% | 1,651 |
| Noninterest income to average assets | 0.3089% | 4,344 |
| Noninterest expense to average assets | 2.4304% | 4,030 |
| Loan and lease loss provision to assets | 0.0509% | 2,789 |
| Net operating income to assets | 1.1609% | 1,625 |
| Return on assets (ROA) | 1.1609% | 1,664 |
| Pretax return on assets | 1.5954% | 1,249 |
| Return on Equity (ROE) | 13.2932% | 941 |
| Retained earnings to average equity (ytd only) | 13.2932% | 353 |
| Net charge-offs to loans | 0.7855% | 215 |
| Credit loss provision to net charge-offs | 14.5631% | 2,198 |
| Earnings coverage of net charge-offs (x) | 4.7087% | 2,355 |
| Efficiency ratio | 59.6170% | 4,511 |
| Assets per employee ($millions) | 3.6283% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,374 |
| Loan loss allowance to noncurrent loans | 127.4262% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 3,193 |
| Noncurrent loans to loans | 0.9082% | 2,218 |
| Net loans and leases to total assets | 44.4339% | 5,013 |
| Net loans and leases to deposits | 49.7143% | 5,148 |
| Net loans and leases to core deposits | 52.4161% | 5,128 |
| Total domestic deposits to total assets | 89.3786% | 960 |
| Equity capital to assets | 9.1004% | 4,712 |
| Core capital (leverage) ratio | 8.8729% | 4,879 |
| Tier 1 risk-based capital ratio | 16.4613% | 2,373 |
| Total risk-based capital ratio | 17.4353% | 2,425 |
| Memoranda: | ||
| Average total assets | $117,838,500 | 4,034 |
| Average earning assets | $112,820,000 | 3,967 |
| Average equity | $10,291,000 | 4,496 |
| Average total loans | $52,450,500 | 4,498 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 1,891 |
| Cost of funding earning assets | 0.4104% | 2,901 |
| Net interest margin | 3.9665% | 1,740 |
| Noninterest income to average assets | 0.3024% | 4,580 |
| Noninterest expense to average assets | 2.4183% | 4,252 |
| Loan and lease loss provision to assets | 0.2324% | 931 |
| Net operating income to assets | 1.0740% | 2,019 |
| Return on assets (ROA) | 1.1431% | 1,814 |
| Pretax return on assets | 1.5440% | 1,452 |
| Return on Equity (ROE) | 12.1045% | 1,207 |
| Retained earnings to average equity (ytd only) | 4.7027% | 2,547 |
| Net charge-offs to loans | 0.2683% | 1,031 |
| Credit loss provision to net charge-offs | 193.5252% | 1,463 |
| Earnings coverage of net charge-offs (x) | 14.0144% | 2,324 |
| Efficiency ratio | 58.9636% | 4,726 |
| Assets per employee ($millions) | 3.8572% | 4,214 |
| Cash dividends to net income (ytd only)* | 61.1489% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,476 |
| Loan loss allowance to noncurrent loans | 102.0649% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 2,731 |
| Noncurrent loans to loans | 1.2864% | 1,590 |
| Net loans and leases to total assets | 43.5010% | 5,146 |
| Net loans and leases to deposits | 48.2071% | 5,287 |
| Net loans and leases to core deposits | 51.2196% | 5,259 |
| Total domestic deposits to total assets | 90.2377% | 545 |
| Equity capital to assets | 8.3765% | 5,366 |
| Core capital (leverage) ratio | 8.5342% | 5,227 |
| Tier 1 risk-based capital ratio | 16.0363% | 2,529 |
| Total risk-based capital ratio | 17.1611% | 2,519 |
| Memoranda: | ||
| Average total assets | $115,741,800 | 4,069 |
| Average earning assets | $110,854,000 | 3,992 |
| Average equity | $10,929,800 | 4,434 |
| Average total loans | $51,804,200 | 4,524 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 1,823 |
| Cost of funding earning assets | 0.4123% | 2,907 |
| Net interest margin | 4.0001% | 1,648 |
| Noninterest income to average assets | 0.3020% | 4,608 |
| Noninterest expense to average assets | 2.5473% | 3,837 |
| Loan and lease loss provision to assets | 0.2265% | 892 |
| Net operating income to assets | 1.0130% | 2,374 |
| Return on assets (ROA) | 1.1058% | 2,077 |
| Pretax return on assets | 1.4856% | 1,757 |
| Return on Equity (ROE) | 11.3754% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.3754% | 377 |
| Net charge-offs to loans | -0.0258% | 5,100 |
| Credit loss provision to net charge-offs | -1,950.0000% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6184% | 4,293 |
| Assets per employee ($millions) | 3.8868% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 2,241 |
| Loan loss allowance to noncurrent loans | 128.6913% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 3,153 |
| Noncurrent loans to loans | 1.0807% | 2,094 |
| Net loans and leases to total assets | 46.6378% | 5,050 |
| Net loans and leases to deposits | 56.0639% | 4,989 |
| Net loans and leases to core deposits | 59.6549% | 4,952 |
| Total domestic deposits to total assets | 83.1868% | 3,519 |
| Equity capital to assets | 10.0742% | 4,064 |
| Core capital (leverage) ratio | 8.9120% | 4,927 |
| Tier 1 risk-based capital ratio | 16.0681% | 2,596 |
| Total risk-based capital ratio | 17.2642% | 2,561 |
| Memoranda: | ||
| Average total assets | $114,784,250 | 4,114 |
| Average earning assets | $109,961,500 | 4,026 |
| Average equity | $11,158,250 | 4,446 |
| Average total loans | $51,578,500 | 4,568 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 1,994 |
| Cost of funding earning assets | 0.4023% | 3,019 |
| Net interest margin | 3.9443% | 1,828 |
| Noninterest income to average assets | 0.2592% | 4,926 |
| Noninterest expense to average assets | 2.5364% | 3,919 |
| Loan and lease loss provision to assets | 0.0771% | 2,599 |
| Net operating income to assets | 1.0581% | 2,138 |
| Return on assets (ROA) | 1.1981% | 1,703 |
| Pretax return on assets | 1.6133% | 1,331 |
| Return on Equity (ROE) | 12.4795% | 1,164 |
| Retained earnings to average equity (ytd only) | 12.4795% | 274 |
| Net charge-offs to loans | -0.0318% | 5,151 |
| Credit loss provision to net charge-offs | -550.0000% | 4,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8200% | 4,201 |
| Assets per employee ($millions) | 3.5232% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,589 |
| Loan loss allowance to noncurrent loans | 101.9934% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 3,245 |
| Noncurrent loans to loans | 1.1365% | 2,028 |
| Net loans and leases to total assets | 45.0311% | 5,176 |
| Net loans and leases to deposits | 53.0865% | 5,191 |
| Net loans and leases to core deposits | 55.8239% | 5,182 |
| Total domestic deposits to total assets | 84.8259% | 2,952 |
| Equity capital to assets | 9.9472% | 4,295 |
| Core capital (leverage) ratio | 8.8104% | 5,042 |
| Tier 1 risk-based capital ratio | 16.0980% | 2,591 |
| Total risk-based capital ratio | 17.0829% | 2,660 |
| Memoranda: | ||
| Average total assets | $114,177,330 | 4,152 |
| Average earning assets | $109,372,670 | 4,070 |
| Average equity | $10,962,000 | 4,499 |
| Average total loans | $50,388,330 | 4,630 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 2,199 |
| Cost of funding earning assets | 0.4058% | 3,003 |
| Net interest margin | 3.8739% | 2,014 |
| Noninterest income to average assets | 0.1909% | 5,362 |
| Noninterest expense to average assets | 2.4502% | 4,225 |
| Loan and lease loss provision to assets | 0.0424% | 3,073 |
| Net operating income to assets | 1.0142% | 2,216 |
| Return on assets (ROA) | 1.2764% | 1,410 |
| Pretax return on assets | 1.7749% | 885 |
| Return on Equity (ROE) | 13.5453% | 919 |
| Retained earnings to average equity (ytd only) | 13.5453% | 349 |
| Net charge-offs to loans | -0.0733% | 5,519 |
| Credit loss provision to net charge-offs | -133.3333% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7717% | 4,334 |
| Assets per employee ($millions) | 3.6461% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 3,696 |
| Loan loss allowance to noncurrent loans | 83.1669% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 2,977 |
| Noncurrent loans to loans | 1.3984% | 1,709 |
| Net loans and leases to total assets | 43.8334% | 5,252 |
| Net loans and leases to deposits | 49.9667% | 5,338 |
| Net loans and leases to core deposits | 51.1707% | 5,399 |
| Total domestic deposits to total assets | 87.7252% | 1,796 |
| Equity capital to assets | 9.6604% | 4,491 |
| Core capital (leverage) ratio | 8.7279% | 5,147 |
| Tier 1 risk-based capital ratio | 16.0585% | 2,658 |
| Total risk-based capital ratio | 17.0224% | 2,730 |
| Memoranda: | ||
| Average total assets | $113,134,000 | 4,199 |
| Average earning assets | $108,417,000 | 4,118 |
| Average equity | $10,660,500 | 4,563 |
| Average total loans | $49,098,000 | 4,703 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 2,587 |
| Cost of funding earning assets | 0.4417% | 2,726 |
| Net interest margin | 3.7509% | 2,550 |
| Noninterest income to average assets | 0.2893% | 4,817 |
| Noninterest expense to average assets | 2.4790% | 4,294 |
| Loan and lease loss provision to assets | -0.0153% | 5,649 |
| Net operating income to assets | 1.0662% | 2,058 |
| Return on assets (ROA) | 1.1480% | 1,812 |
| Pretax return on assets | 1.5238% | 1,484 |
| Return on Equity (ROE) | 12.1891% | 1,256 |
| Retained earnings to average equity (ytd only) | 4.4489% | 2,820 |
| Net charge-offs to loans | 0.2390% | 1,247 |
| Credit loss provision to net charge-offs | -15.7407% | 4,972 |
| Earnings coverage of net charge-offs (x) | 14.3796% | 2,303 |
| Efficiency ratio | 63.9173% | 4,285 |
| Assets per employee ($millions) | 3.6529% | 4,561 |
| Cash dividends to net income (ytd only)* | 63.5008% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 3,652 |
| Loan loss allowance to noncurrent loans | 71.5013% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 2,678 |
| Noncurrent loans to loans | 1.6351% | 1,397 |
| Net loans and leases to total assets | 41.9525% | 5,412 |
| Net loans and leases to deposits | 46.8165% | 5,528 |
| Net loans and leases to core deposits | 48.0432% | 5,562 |
| Total domestic deposits to total assets | 89.6106% | 794 |
| Equity capital to assets | 9.1858% | 4,930 |
| Core capital (leverage) ratio | 8.5983% | 5,334 |
| Tier 1 risk-based capital ratio | 15.9291% | 2,721 |
| Total risk-based capital ratio | 16.8864% | 2,796 |
| Memoranda: | ||
| Average total assets | $110,973,800 | 4,242 |
| Average earning assets | $106,188,000 | 4,137 |
| Average equity | $10,452,000 | 4,577 |
| Average total loans | $45,189,000 | 4,824 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 2,728 |
| Cost of funding earning assets | 0.4553% | 2,634 |
| Net interest margin | 3.7016% | 2,763 |
| Noninterest income to average assets | 0.2826% | 4,926 |
| Noninterest expense to average assets | 2.4780% | 4,261 |
| Loan and lease loss provision to assets | 0.0507% | 3,192 |
| Net operating income to assets | 0.9794% | 2,575 |
| Return on assets (ROA) | 1.0905% | 2,135 |
| Pretax return on assets | 1.4443% | 1,850 |
| Return on Equity (ROE) | 11.5053% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.5053% | 415 |
| Net charge-offs to loans | 0.3208% | 831 |
| Credit loss provision to net charge-offs | 39.2523% | 3,168 |
| Earnings coverage of net charge-offs (x) | 10.4395% | 2,596 |
| Efficiency ratio | 64.7523% | 4,111 |
| Assets per employee ($millions) | 3.8595% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,977 |
| Loan loss allowance to noncurrent loans | 71.0857% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 2,533 |
| Noncurrent loans to loans | 1.8625% | 1,253 |
| Net loans and leases to total assets | 42.8975% | 5,432 |
| Net loans and leases to deposits | 48.3530% | 5,546 |
| Net loans and leases to core deposits | 49.6897% | 5,587 |
| Total domestic deposits to total assets | 88.7172% | 1,170 |
| Equity capital to assets | 10.0327% | 4,116 |
| Core capital (leverage) ratio | 9.1302% | 4,839 |
| Tier 1 risk-based capital ratio | 17.1094% | 2,331 |
| Total risk-based capital ratio | 18.1964% | 2,345 |
| Memoranda: | ||
| Average total assets | $110,407,250 | 4,298 |
| Average earning assets | $105,716,500 | 4,186 |
| Average equity | $10,464,500 | 4,625 |
| Average total loans | $44,469,000 | 4,898 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,089 |
| Cost of funding earning assets | 0.4643% | 2,568 |
| Net interest margin | 3.5828% | 3,157 |
| Noninterest income to average assets | 0.2698% | 5,023 |
| Noninterest expense to average assets | 2.4499% | 4,399 |
| Loan and lease loss provision to assets | 0.1331% | 1,646 |
| Net operating income to assets | 0.8283% | 3,225 |
| Return on assets (ROA) | 0.9893% | 2,554 |
| Pretax return on assets | 1.3329% | 2,233 |
| Return on Equity (ROE) | 10.6397% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.6397% | 556 |
| Net charge-offs to loans | 0.4630% | 549 |
| Credit loss provision to net charge-offs | 73.2673% | 2,417 |
| Earnings coverage of net charge-offs (x) | 6.8713% | 2,729 |
| Efficiency ratio | 66.2451% | 3,965 |
| Assets per employee ($millions) | 3.4666% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 2,575 |
| Loan loss allowance to noncurrent loans | 79.8065% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 2,761 |
| Noncurrent loans to loans | 1.8030% | 1,419 |
| Net loans and leases to total assets | 42.0690% | 5,500 |
| Net loans and leases to deposits | 47.1521% | 5,623 |
| Net loans and leases to core deposits | 48.4529% | 5,681 |
| Total domestic deposits to total assets | 89.2196% | 1,041 |
| Equity capital to assets | 9.5185% | 4,627 |
| Core capital (leverage) ratio | 8.6389% | 5,385 |
| Tier 1 risk-based capital ratio | 16.7706% | 2,499 |
| Total risk-based capital ratio | 17.9435% | 2,474 |
| Memoranda: | ||
| Average total assets | $111,187,330 | 4,315 |
| Average earning assets | $106,396,000 | 4,214 |
| Average equity | $10,338,670 | 4,681 |
| Average total loans | $43,632,000 | 4,964 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 3,771 |
| Cost of funding earning assets | 0.4626% | 2,649 |
| Net interest margin | 3.4008% | 3,836 |
| Noninterest income to average assets | 0.2618% | 5,081 |
| Noninterest expense to average assets | 2.3282% | 4,799 |
| Loan and lease loss provision to assets | -0.0283% | 6,126 |
| Net operating income to assets | 0.8700% | 2,901 |
| Return on assets (ROA) | 1.1783% | 1,710 |
| Pretax return on assets | 1.6418% | 1,170 |
| Return on Equity (ROE) | 12.8157% | 1,135 |
| Retained earnings to average equity (ytd only) | 12.8157% | 469 |
| Net charge-offs to loans | -0.0094% | 4,692 |
| Credit loss provision to net charge-offs | 800.0000% | 387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2638% | 4,106 |
| Assets per employee ($millions) | 3.7876% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 2,004 |
| Loan loss allowance to noncurrent loans | 92.1409% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 3,322 |
| Noncurrent loans to loans | 1.7508% | 1,558 |
| Net loans and leases to total assets | 36.4989% | 5,806 |
| Net loans and leases to deposits | 40.9824% | 5,880 |
| Net loans and leases to core deposits | 42.2246% | 5,898 |
| Total domestic deposits to total assets | 89.0599% | 1,224 |
| Equity capital to assets | 9.3973% | 4,860 |
| Core capital (leverage) ratio | 8.2746% | 5,759 |
| Tier 1 risk-based capital ratio | 17.7588% | 2,216 |
| Total risk-based capital ratio | 19.0088% | 2,183 |
| Memoranda: | ||
| Average total assets | $113,049,000 | 4,312 |
| Average earning assets | $108,091,000 | 4,215 |
| Average equity | $10,393,500 | 4,708 |
| Average total loans | $42,513,500 | 5,048 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,637 |
| Cost of funding earning assets | 0.5280% | 2,406 |
| Net interest margin | 3.4936% | 3,822 |
| Noninterest income to average assets | 0.3346% | 4,716 |
| Noninterest expense to average assets | 2.4704% | 4,637 |
| Loan and lease loss provision to assets | 0.0654% | 3,195 |
| Net operating income to assets | 0.9218% | 2,767 |
| Return on assets (ROA) | 0.9225% | 2,859 |
| Pretax return on assets | 1.1394% | 2,929 |
| Return on Equity (ROE) | 10.1252% | 2,059 |
| Retained earnings to average equity (ytd only) | 3.2109% | 3,950 |
| Net charge-offs to loans | 0.0266% | 4,293 |
| Credit loss provision to net charge-offs | 636.3636% | 417 |
| Earnings coverage of net charge-offs (x) | 117.0909% | 454 |
| Efficiency ratio | 67.2348% | 4,024 |
| Assets per employee ($millions) | 3.7490% | 4,443 |
| Cash dividends to net income (ytd only)* | 68.2877% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 2,082 |
| Loan loss allowance to noncurrent loans | 86.7424% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7807% | 3,257 |
| Noncurrent loans to loans | 1.8473% | 1,543 |
| Net loans and leases to total assets | 37.5096% | 5,880 |
| Net loans and leases to deposits | 41.8476% | 5,973 |
| Net loans and leases to core deposits | 43.0045% | 5,993 |
| Total domestic deposits to total assets | 89.6337% | 906 |
| Equity capital to assets | 8.9882% | 5,306 |
| Core capital (leverage) ratio | 8.4671% | 5,587 |
| Tier 1 risk-based capital ratio | 16.4422% | 2,738 |
| Total risk-based capital ratio | 17.6910% | 2,688 |
| Memoranda: | ||
| Average total assets | $106,988,000 | 4,435 |
| Average earning assets | $102,273,800 | 4,346 |
| Average equity | $9,748,000 | 4,802 |
| Average total loans | $41,421,800 | 5,128 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,636 |
| Cost of funding earning assets | 0.5507% | 2,280 |
| Net interest margin | 3.4807% | 3,897 |
| Noninterest income to average assets | 0.3421% | 4,704 |
| Noninterest expense to average assets | 2.5071% | 4,508 |
| Loan and lease loss provision to assets | 0.1035% | 2,313 |
| Net operating income to assets | 0.9089% | 2,873 |
| Return on assets (ROA) | 0.9089% | 2,968 |
| Pretax return on assets | 1.0667% | 3,312 |
| Return on Equity (ROE) | 9.9400% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.9400% | 726 |
| Net charge-offs to loans | 0.0390% | 3,720 |
| Credit loss provision to net charge-offs | 683.3333% | 439 |
| Earnings coverage of net charge-offs (x) | 77.2481% | 720 |
| Efficiency ratio | 68.1771% | 3,827 |
| Assets per employee ($millions) | 3.4573% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 2,166 |
| Loan loss allowance to noncurrent loans | 82.7995% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 3,200 |
| Noncurrent loans to loans | 1.9812% | 1,609 |
| Net loans and leases to total assets | 40.3509% | 5,793 |
| Net loans and leases to deposits | 45.5319% | 5,895 |
| Net loans and leases to core deposits | 47.2589% | 5,914 |
| Total domestic deposits to total assets | 88.6213% | 1,438 |
| Equity capital to assets | 9.9711% | 4,197 |
| Core capital (leverage) ratio | 8.9883% | 5,084 |
| Tier 1 risk-based capital ratio | 17.6199% | 2,350 |
| Total risk-based capital ratio | 18.8691% | 2,310 |
| Memoranda: | ||
| Average total assets | $105,617,500 | 4,508 |
| Average earning assets | $101,203,750 | 4,409 |
| Average equity | $9,657,750 | 4,860 |
| Average total loans | $41,058,750 | 5,191 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,842 |
| Cost of funding earning assets | 0.5521% | 2,331 |
| Net interest margin | 3.4225% | 4,094 |
| Noninterest income to average assets | 0.3219% | 4,841 |
| Noninterest expense to average assets | 2.4621% | 4,691 |
| Loan and lease loss provision to assets | 0.0358% | 3,572 |
| Net operating income to assets | 0.9769% | 2,425 |
| Return on assets (ROA) | 0.9769% | 2,504 |
| Pretax return on assets | 1.1031% | 3,088 |
| Return on Equity (ROE) | 11.0078% | 1,743 |
| Retained earnings to average equity (ytd only) | 11.0078% | 540 |
| Net charge-offs to loans | -0.0296% | 5,679 |
| Credit loss provision to net charge-offs | -316.6667% | 5,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3743% | 3,941 |
| Assets per employee ($millions) | 3.4061% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 2,491 |
| Loan loss allowance to noncurrent loans | 101.3975% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 3,915 |
| Noncurrent loans to loans | 1.5697% | 2,207 |
| Net loans and leases to total assets | 38.2356% | 5,942 |
| Net loans and leases to deposits | 42.9614% | 6,030 |
| Net loans and leases to core deposits | 44.5510% | 6,045 |
| Total domestic deposits to total assets | 88.9999% | 1,348 |
| Equity capital to assets | 9.5028% | 4,742 |
| Core capital (leverage) ratio | 8.6382% | 5,481 |
| Tier 1 risk-based capital ratio | 17.7361% | 2,337 |
| Total risk-based capital ratio | 18.9862% | 2,306 |
| Memoranda: | ||
| Average total assets | $106,250,000 | 4,528 |
| Average earning assets | $101,796,330 | 4,419 |
| Average equity | $9,429,670 | 4,927 |
| Average total loans | $40,561,670 | 5,250 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 4,002 |
| Cost of funding earning assets | 0.5571% | 2,371 |
| Net interest margin | 3.3664% | 4,267 |
| Noninterest income to average assets | 0.3002% | 4,957 |
| Noninterest expense to average assets | 2.4695% | 4,716 |
| Loan and lease loss provision to assets | -0.1013% | 6,493 |
| Net operating income to assets | 0.8632% | 2,836 |
| Return on assets (ROA) | 0.8632% | 2,897 |
| Pretax return on assets | 1.1522% | 2,689 |
| Return on Equity (ROE) | 10.0794% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.0794% | 940 |
| Net charge-offs to loans | -0.0595% | 5,887 |
| Credit loss provision to net charge-offs | 450.0000% | 595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1493% | 3,818 |
| Assets per employee ($millions) | 3.6752% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 3,037 |
| Loan loss allowance to noncurrent loans | 83.9557% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 3,844 |
| Noncurrent loans to loans | 1.8173% | 2,114 |
| Net loans and leases to total assets | 36.7583% | 6,032 |
| Net loans and leases to deposits | 40.9664% | 6,136 |
| Net loans and leases to core deposits | 42.4517% | 6,143 |
| Total domestic deposits to total assets | 89.7279% | 1,225 |
| Equity capital to assets | 8.8525% | 5,273 |
| Core capital (leverage) ratio | 8.4108% | 5,737 |
| Tier 1 risk-based capital ratio | 17.8196% | 2,367 |
| Total risk-based capital ratio | 19.0480% | 2,346 |
| Memoranda: | ||
| Average total assets | $106,580,000 | 4,568 |
| Average earning assets | $101,949,000 | 4,453 |
| Average equity | $9,127,500 | 5,019 |
| Average total loans | $40,329,500 | 5,310 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 3,261 |
| Cost of funding earning assets | 0.6011% | 2,643 |
| Net interest margin | 3.6217% | 3,370 |
| Noninterest income to average assets | 0.3361% | 4,915 |
| Noninterest expense to average assets | 2.3268% | 5,299 |
| Loan and lease loss provision to assets | -0.0057% | 6,260 |
| Net operating income to assets | 1.0996% | 1,937 |
| Return on assets (ROA) | 1.1224% | 1,924 |
| Pretax return on assets | 1.5042% | 1,436 |
| Return on Equity (ROE) | 12.1934% | 1,359 |
| Retained earnings to average equity (ytd only) | 3.8266% | 3,482 |
| Net charge-offs to loans | 0.0658% | 4,291 |
| Credit loss provision to net charge-offs | -21.4286% | 5,718 |
| Earnings coverage of net charge-offs (x) | 55.0714% | 739 |
| Efficiency ratio | 61.3146% | 5,313 |
| Assets per employee ($millions) | 3.3306% | 5,224 |
| Cash dividends to net income (ytd only)* | 68.6175% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,026 |
| Loan loss allowance to noncurrent loans | 92.7622% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 4,074 |
| Noncurrent loans to loans | 1.6563% | 2,424 |
| Net loans and leases to total assets | 37.7622% | 6,115 |
| Net loans and leases to deposits | 41.9008% | 6,230 |
| Net loans and leases to core deposits | 43.6291% | 6,242 |
| Total domestic deposits to total assets | 90.1229% | 1,018 |
| Equity capital to assets | 8.2755% | 5,798 |
| Core capital (leverage) ratio | 8.3423% | 5,829 |
| Tier 1 risk-based capital ratio | 16.8147% | 2,700 |
| Total risk-based capital ratio | 18.0462% | 2,667 |
| Memoranda: | ||
| Average total assets | $105,038,200 | 4,620 |
| Average earning assets | $100,312,400 | 4,506 |
| Average equity | $9,669,200 | 4,931 |
| Average total loans | $42,524,600 | 5,248 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 3,080 |
| Cost of funding earning assets | 0.6108% | 2,729 |
| Net interest margin | 3.6690% | 3,156 |
| Noninterest income to average assets | 0.3223% | 5,108 |
| Noninterest expense to average assets | 2.3098% | 5,303 |
| Loan and lease loss provision to assets | -0.0166% | 6,479 |
| Net operating income to assets | 1.1530% | 1,795 |
| Return on assets (ROA) | 1.1836% | 1,758 |
| Pretax return on assets | 1.5747% | 1,404 |
| Return on Equity (ROE) | 12.5349% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.5349% | 372 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3529% | 5,379 |
| Assets per employee ($millions) | 3.3684% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 3,458 |
| Loan loss allowance to noncurrent loans | 96.2908% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 4,226 |
| Noncurrent loans to loans | 1.5568% | 2,830 |
| Net loans and leases to total assets | 42.2006% | 5,888 |
| Net loans and leases to deposits | 47.5227% | 5,993 |
| Net loans and leases to core deposits | 49.6172% | 6,036 |
| Total domestic deposits to total assets | 88.8009% | 1,669 |
| Equity capital to assets | 9.3792% | 4,701 |
| Core capital (leverage) ratio | 9.0617% | 5,025 |
| Tier 1 risk-based capital ratio | 16.9862% | 2,709 |
| Total risk-based capital ratio | 18.1931% | 2,696 |
| Memoranda: | ||
| Average total assets | $104,652,750 | 4,676 |
| Average earning assets | $99,970,000 | 4,560 |
| Average equity | $9,881,500 | 4,931 |
| Average total loans | $42,937,000 | 5,279 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,442 |
| Cost of funding earning assets | 0.6171% | 2,789 |
| Net interest margin | 3.5644% | 3,504 |
| Noninterest income to average assets | 0.3023% | 5,289 |
| Noninterest expense to average assets | 2.1615% | 5,721 |
| Loan and lease loss provision to assets | -0.0359% | 6,623 |
| Net operating income to assets | 1.1153% | 1,878 |
| Return on assets (ROA) | 1.1582% | 1,825 |
| Pretax return on assets | 1.6419% | 1,250 |
| Return on Equity (ROE) | 12.2404% | 1,416 |
| Retained earnings to average equity (ytd only) | 12.2404% | 456 |
| Net charge-offs to loans | -0.0140% | 5,855 |
| Credit loss provision to net charge-offs | 633.3333% | 462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3078% | 5,690 |
| Assets per employee ($millions) | 3.1722% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 3,434 |
| Loan loss allowance to noncurrent loans | 95.5621% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 4,208 |
| Noncurrent loans to loans | 1.6032% | 2,903 |
| Net loans and leases to total assets | 40.9014% | 5,977 |
| Net loans and leases to deposits | 46.2128% | 6,092 |
| Net loans and leases to core deposits | 48.2431% | 6,120 |
| Total domestic deposits to total assets | 88.5066% | 1,909 |
| Equity capital to assets | 9.3636% | 4,765 |
| Core capital (leverage) ratio | 8.4439% | 5,731 |
| Tier 1 risk-based capital ratio | 16.7420% | 2,819 |
| Total risk-based capital ratio | 17.9685% | 2,802 |
| Memoranda: | ||
| Average total assets | $105,852,670 | 4,675 |
| Average earning assets | $101,111,330 | 4,549 |
| Average equity | $10,016,000 | 4,930 |
| Average total loans | $42,818,000 | 5,310 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,708 |
| Cost of funding earning assets | 0.6246% | 2,883 |
| Net interest margin | 3.4797% | 3,786 |
| Noninterest income to average assets | 0.2851% | 5,424 |
| Noninterest expense to average assets | 2.3217% | 5,363 |
| Loan and lease loss provision to assets | -0.0741% | 6,817 |
| Net operating income to assets | 0.9870% | 2,284 |
| Return on assets (ROA) | 0.9924% | 2,375 |
| Pretax return on assets | 1.3664% | 1,987 |
| Return on Equity (ROE) | 10.4366% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.4366% | 996 |
| Net charge-offs to loans | -0.0371% | 5,990 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3737% | 4,950 |
| Assets per employee ($millions) | 3.6387% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,708 |
| Loan loss allowance to noncurrent loans | 89.9721% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 4,333 |
| Noncurrent loans to loans | 1.6978% | 2,998 |
| Net loans and leases to total assets | 39.4653% | 6,038 |
| Net loans and leases to deposits | 45.2491% | 6,107 |
| Net loans and leases to core deposits | 47.4192% | 6,128 |
| Total domestic deposits to total assets | 87.2180% | 2,818 |
| Equity capital to assets | 9.7808% | 4,453 |
| Core capital (leverage) ratio | 8.0279% | 6,116 |
| Tier 1 risk-based capital ratio | 15.9450% | 3,304 |
| Total risk-based capital ratio | 17.1607% | 3,282 |
| Memoranda: | ||
| Average total assets | $108,024,000 | 4,654 |
| Average earning assets | $103,113,000 | 4,534 |
| Average equity | $10,271,500 | 4,932 |
| Average total loans | $43,144,500 | 5,333 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 3,610 |
| Cost of funding earning assets | 0.8450% | 2,325 |
| Net interest margin | 3.6058% | 4,057 |
| Noninterest income to average assets | 0.2515% | 5,669 |
| Noninterest expense to average assets | 2.4661% | 5,205 |
| Loan and lease loss provision to assets | 0.0340% | 5,463 |
| Net operating income to assets | 0.9330% | 2,631 |
| Return on assets (ROA) | 0.9995% | 2,560 |
| Pretax return on assets | 1.2652% | 2,540 |
| Return on Equity (ROE) | 10.5963% | 1,941 |
| Retained earnings to average equity (ytd only) | 2.4862% | 4,480 |
| Net charge-offs to loans | 0.1702% | 4,014 |
| Credit loss provision to net charge-offs | 47.3684% | 4,758 |
| Earnings coverage of net charge-offs (x) | 16.9079% | 1,540 |
| Efficiency ratio | 66.9920% | 4,333 |
| Assets per employee ($millions) | 3.6842% | 4,596 |
| Cash dividends to net income (ytd only)* | 76.5374% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,727 |
| Loan loss allowance to noncurrent loans | 89.8236% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 4,474 |
| Noncurrent loans to loans | 1.6751% | 3,109 |
| Net loans and leases to total assets | 39.2092% | 6,219 |
| Net loans and leases to deposits | 44.6404% | 6,334 |
| Net loans and leases to core deposits | 47.2239% | 6,314 |
| Total domestic deposits to total assets | 87.8335% | 2,326 |
| Equity capital to assets | 9.2486% | 5,210 |
| Core capital (leverage) ratio | 7.9358% | 6,254 |
| Tier 1 risk-based capital ratio | 12.0331% | 5,766 |
| Total risk-based capital ratio | 13.0039% | 5,897 |
| Memoranda: | ||
| Average total assets | $105,755,600 | 4,686 |
| Average earning assets | $100,588,400 | 4,583 |
| Average equity | $9,975,200 | 4,987 |
| Average total loans | $44,653,800 | 5,299 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 3,578 |
| Cost of funding earning assets | 0.9128% | 2,087 |
| Net interest margin | 3.6016% | 4,230 |
| Noninterest income to average assets | 0.2435% | 5,805 |
| Noninterest expense to average assets | 2.4724% | 5,172 |
| Loan and lease loss provision to assets | 0.0153% | 5,618 |
| Net operating income to assets | 0.9459% | 2,764 |
| Return on assets (ROA) | 1.0367% | 2,552 |
| Pretax return on assets | 1.2955% | 2,625 |
| Return on Equity (ROE) | 10.9343% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.9343% | 697 |
| Net charge-offs to loans | 0.1964% | 3,553 |
| Credit loss provision to net charge-offs | 18.1818% | 4,982 |
| Earnings coverage of net charge-offs (x) | 14.2269% | 1,852 |
| Efficiency ratio | 67.3732% | 4,201 |
| Assets per employee ($millions) | 3.7106% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 4,154 |
| Loan loss allowance to noncurrent loans | 95.4345% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 4,702 |
| Noncurrent loans to loans | 1.5199% | 3,504 |
| Net loans and leases to total assets | 42.3756% | 6,094 |
| Net loans and leases to deposits | 49.4930% | 6,149 |
| Net loans and leases to core deposits | 54.2732% | 6,030 |
| Total domestic deposits to total assets | 85.6194% | 3,452 |
| Equity capital to assets | 10.3179% | 4,058 |
| Core capital (leverage) ratio | 8.4781% | 5,781 |
| Tier 1 risk-based capital ratio | 15.8881% | 3,331 |
| Total risk-based capital ratio | 17.0619% | 3,338 |
| Memoranda: | ||
| Average total assets | $104,563,250 | 4,759 |
| Average earning assets | $99,473,250 | 4,655 |
| Average equity | $9,913,500 | 5,045 |
| Average total loans | $44,817,750 | 5,354 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 3,930 |
| Cost of funding earning assets | 0.9709% | 1,929 |
| Net interest margin | 3.4917% | 4,707 |
| Noninterest income to average assets | 0.2233% | 5,969 |
| Noninterest expense to average assets | 2.4450% | 5,312 |
| Loan and lease loss provision to assets | 0.0592% | 4,911 |
| Net operating income to assets | 0.8265% | 3,269 |
| Return on assets (ROA) | 0.8265% | 3,529 |
| Pretax return on assets | 1.0345% | 3,582 |
| Return on Equity (ROE) | 8.9791% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.9791% | 1,284 |
| Net charge-offs to loans | 0.3076% | 2,798 |
| Credit loss provision to net charge-offs | 44.9275% | 4,152 |
| Earnings coverage of net charge-offs (x) | 8.3043% | 2,319 |
| Efficiency ratio | 69.0939% | 3,920 |
| Assets per employee ($millions) | 3.4548% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 4,112 |
| Loan loss allowance to noncurrent loans | 82.2800% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 4,510 |
| Noncurrent loans to loans | 1.7988% | 3,219 |
| Net loans and leases to total assets | 42.6450% | 6,136 |
| Net loans and leases to deposits | 50.1282% | 6,174 |
| Net loans and leases to core deposits | 54.0040% | 6,095 |
| Total domestic deposits to total assets | 85.0720% | 3,825 |
| Equity capital to assets | 9.8250% | 4,584 |
| Core capital (leverage) ratio | 8.0011% | 6,274 |
| Tier 1 risk-based capital ratio | 14.9808% | 3,779 |
| Total risk-based capital ratio | 16.1664% | 3,769 |
| Memoranda: | ||
| Average total assets | $104,785,330 | 4,782 |
| Average earning assets | $99,494,000 | 4,679 |
| Average equity | $9,644,670 | 5,121 |
| Average total loans | $44,865,330 | 5,387 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 3,916 |
| Cost of funding earning assets | 1.0444% | 1,714 |
| Net interest margin | 3.4546% | 4,893 |
| Noninterest income to average assets | 0.2354% | 5,945 |
| Noninterest expense to average assets | 2.3046% | 5,758 |
| Loan and lease loss provision to assets | 0.0494% | 4,791 |
| Net operating income to assets | 0.8884% | 2,981 |
| Return on assets (ROA) | 0.8884% | 3,200 |
| Pretax return on assets | 1.1466% | 3,131 |
| Return on Equity (ROE) | 9.9835% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.9835% | 1,273 |
| Net charge-offs to loans | 0.3031% | 2,446 |
| Credit loss provision to net charge-offs | 38.2353% | 3,473 |
| Earnings coverage of net charge-offs (x) | 9.2647% | 1,864 |
| Efficiency ratio | 65.8351% | 4,589 |
| Assets per employee ($millions) | 3.6449% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,892 |
| Loan loss allowance to noncurrent loans | 72.9122% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 4,253 |
| Noncurrent loans to loans | 2.1390% | 2,981 |
| Net loans and leases to total assets | 40.6658% | 6,294 |
| Net loans and leases to deposits | 47.2000% | 6,342 |
| Net loans and leases to core deposits | 51.0171% | 6,273 |
| Total domestic deposits to total assets | 86.1565% | 3,438 |
| Equity capital to assets | 9.0187% | 5,468 |
| Core capital (leverage) ratio | 7.8085% | 6,409 |
| Tier 1 risk-based capital ratio | 15.0663% | 3,711 |
| Total risk-based capital ratio | 16.3188% | 3,671 |
| Memoranda: | ||
| Average total assets | $105,356,000 | 4,802 |
| Average earning assets | $99,577,500 | 4,707 |
| Average equity | $9,375,500 | 5,197 |
| Average total loans | $44,866,500 | 5,432 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 2,736 |
| Cost of funding earning assets | 1.1706% | 2,217 |
| Net interest margin | 3.8654% | 3,490 |
| Noninterest income to average assets | 0.3111% | 5,320 |
| Noninterest expense to average assets | 2.5295% | 5,355 |
| Loan and lease loss provision to assets | 0.0447% | 6,020 |
| Net operating income to assets | 1.0031% | 2,182 |
| Return on assets (ROA) | 1.2788% | 1,396 |
| Pretax return on assets | 1.7720% | 853 |
| Return on Equity (ROE) | 14.7267% | 795 |
| Retained earnings to average equity (ytd only) | 6.6504% | 1,667 |
| Net charge-offs to loans | 0.2566% | 4,174 |
| Credit loss provision to net charge-offs | 35.5372% | 5,705 |
| Earnings coverage of net charge-offs (x) | 11.3884% | 1,729 |
| Efficiency ratio | 63.8225% | 5,157 |
| Assets per employee ($millions) | 3.7503% | 4,436 |
| Cash dividends to net income (ytd only)* | 54.8413% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 3,914 |
| Loan loss allowance to noncurrent loans | 64.8799% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 3,888 |
| Noncurrent loans to loans | 2.3488% | 2,793 |
| Net loans and leases to total assets | 43.2011% | 6,276 |
| Net loans and leases to deposits | 50.8439% | 6,302 |
| Net loans and leases to core deposits | 55.7159% | 6,175 |
| Total domestic deposits to total assets | 84.9680% | 3,870 |
| Equity capital to assets | 8.7783% | 5,820 |
| Core capital (leverage) ratio | 7.9547% | 6,308 |
| Tier 1 risk-based capital ratio | 14.1580% | 4,210 |
| Total risk-based capital ratio | 15.4061% | 4,169 |
| Memoranda: | ||
| Average total assets | $96,107,000 | 5,007 |
| Average earning assets | $90,804,800 | 4,902 |
| Average equity | $8,345,400 | 5,464 |
| Average total loans | $47,158,600 | 5,376 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 2,274 |
| Cost of funding earning assets | 1.2010% | 2,311 |
| Net interest margin | 3.9808% | 3,002 |
| Noninterest income to average assets | 0.3309% | 5,218 |
| Noninterest expense to average assets | 2.5507% | 5,276 |
| Loan and lease loss provision to assets | 0.1363% | 4,736 |
| Net operating income to assets | 1.0065% | 2,295 |
| Return on assets (ROA) | 1.3776% | 1,286 |
| Pretax return on assets | 1.9371% | 715 |
| Return on Equity (ROE) | 15.9131% | 696 |
| Retained earnings to average equity (ytd only) | 15.9131% | 185 |
| Net charge-offs to loans | 0.1265% | 4,780 |
| Credit loss provision to net charge-offs | 213.3333% | 1,359 |
| Earnings coverage of net charge-offs (x) | 24.2660% | 1,080 |
| Efficiency ratio | 62.1884% | 5,383 |
| Assets per employee ($millions) | 3.4740% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 3,134 |
| Loan loss allowance to noncurrent loans | 59.6554% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.7744% | 3,438 |
| Noncurrent loans to loans | 2.9178% | 2,389 |
| Net loans and leases to total assets | 48.2261% | 5,932 |
| Net loans and leases to deposits | 57.8358% | 5,854 |
| Net loans and leases to core deposits | 63.9571% | 5,618 |
| Total domestic deposits to total assets | 83.3846% | 4,527 |
| Equity capital to assets | 9.8138% | 4,608 |
| Core capital (leverage) ratio | 8.9108% | 5,080 |
| Tier 1 risk-based capital ratio | 15.0830% | 3,619 |
| Total risk-based capital ratio | 16.3324% | 3,589 |
| Memoranda: | ||
| Average total assets | $93,881,500 | 5,105 |
| Average earning assets | $88,924,750 | 4,994 |
| Average equity | $8,127,250 | 5,557 |
| Average total loans | $47,431,500 | 5,409 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 2,159 |
| Cost of funding earning assets | 1.2218% | 2,429 |
| Net interest margin | 4.0050% | 2,808 |
| Noninterest income to average assets | 0.3299% | 5,254 |
| Noninterest expense to average assets | 2.4905% | 5,581 |
| Loan and lease loss provision to assets | 0.1380% | 4,577 |
| Net operating income to assets | 1.0765% | 1,950 |
| Return on assets (ROA) | 1.2442% | 1,529 |
| Pretax return on assets | 1.7229% | 1,007 |
| Return on Equity (ROE) | 15.0764% | 793 |
| Retained earnings to average equity (ytd only) | 15.0764% | 246 |
| Net charge-offs to loans | 0.3043% | 3,352 |
| Credit loss provision to net charge-offs | 88.8889% | 3,489 |
| Earnings coverage of net charge-offs (x) | 10.4861% | 1,803 |
| Efficiency ratio | 60.4712% | 5,807 |
| Assets per employee ($millions) | 3.1088% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 3,631 |
| Loan loss allowance to noncurrent loans | 47.3620% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.1048% | 3,096 |
| Noncurrent loans to loans | 3.4140% | 2,078 |
| Net loans and leases to total assets | 50.3651% | 5,775 |
| Net loans and leases to deposits | 59.7525% | 5,753 |
| Net loans and leases to core deposits | 66.0238% | 5,514 |
| Total domestic deposits to total assets | 84.2896% | 4,216 |
| Equity capital to assets | 9.0893% | 5,456 |
| Core capital (leverage) ratio | 8.5458% | 5,484 |
| Tier 1 risk-based capital ratio | 14.4795% | 3,796 |
| Total risk-based capital ratio | 15.7291% | 3,778 |
| Memoranda: | ||
| Average total assets | $92,751,670 | 5,180 |
| Average earning assets | $87,741,330 | 5,072 |
| Average equity | $7,654,330 | 5,717 |
| Average total loans | $47,328,330 | 5,462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 2,028 |
| Cost of funding earning assets | 1.2049% | 2,781 |
| Net interest margin | 4.0498% | 2,472 |
| Noninterest income to average assets | 0.3200% | 5,361 |
| Noninterest expense to average assets | 2.5558% | 5,366 |
| Loan and lease loss provision to assets | 0.0649% | 5,185 |
| Net operating income to assets | 1.1071% | 1,817 |
| Return on assets (ROA) | 1.1071% | 1,869 |
| Pretax return on assets | 1.5222% | 1,383 |
| Return on Equity (ROE) | 14.1378% | 964 |
| Retained earnings to average equity (ytd only) | 14.1378% | 462 |
| Net charge-offs to loans | 0.4075% | 2,467 |
| Credit loss provision to net charge-offs | 31.2500% | 4,099 |
| Earnings coverage of net charge-offs (x) | 7.6458% | 1,922 |
| Efficiency ratio | 61.6910% | 5,724 |
| Assets per employee ($millions) | 3.3334% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,683 |
| Loan loss allowance to noncurrent loans | 40.5978% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 2.3282% | 2,918 |
| Noncurrent loans to loans | 3.9705% | 1,837 |
| Net loans and leases to total assets | 48.8514% | 5,973 |
| Net loans and leases to deposits | 57.2852% | 5,996 |
| Net loans and leases to core deposits | 63.9678% | 5,734 |
| Total domestic deposits to total assets | 85.2776% | 3,900 |
| Equity capital to assets | 8.0196% | 6,475 |
| Core capital (leverage) ratio | 8.3388% | 5,731 |
| Tier 1 risk-based capital ratio | 14.0688% | 4,029 |
| Total risk-based capital ratio | 15.3209% | 4,004 |
| Memoranda: | ||
| Average total assets | $92,496,000 | 5,221 |
| Average earning assets | $87,312,000 | 5,119 |
| Average equity | $7,243,000 | 5,858 |
| Average total loans | $47,120,500 | 5,513 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 2,352 |
| Cost of funding earning assets | 1.3653% | 3,484 |
| Net interest margin | 4.1182% | 2,489 |
| Noninterest income to average assets | 0.3777% | 5,078 |
| Noninterest expense to average assets | 2.7263% | 4,868 |
| Loan and lease loss provision to assets | 0.3684% | 3,913 |
| Net operating income to assets | 0.8425% | 2,624 |
| Return on assets (ROA) | 1.0474% | 1,980 |
| Pretax return on assets | 1.4182% | 1,607 |
| Return on Equity (ROE) | 11.8278% | 1,356 |
| Retained earnings to average equity (ytd only) | 4.7756% | 2,561 |
| Net charge-offs to loans | 0.5610% | 3,372 |
| Credit loss provision to net charge-offs | 115.2174% | 3,755 |
| Earnings coverage of net charge-offs (x) | 4.7210% | 2,831 |
| Efficiency ratio | 64.3600% | 5,289 |
| Assets per employee ($millions) | 2.9567% | 6,195 |
| Cash dividends to net income (ytd only)* | 59.6239% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,473 |
| Loan loss allowance to noncurrent loans | 47.5030% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 2.1449% | 3,159 |
| Noncurrent loans to loans | 3.4280% | 2,214 |
| Net loans and leases to total assets | 51.4074% | 6,001 |
| Net loans and leases to deposits | 60.8466% | 5,967 |
| Net loans and leases to core deposits | 68.1541% | 5,645 |
| Total domestic deposits to total assets | 84.4869% | 4,117 |
| Equity capital to assets | 7.6382% | 6,788 |
| Core capital (leverage) ratio | 8.4394% | 5,468 |
| Tier 1 risk-based capital ratio | 13.3688% | 4,316 |
| Total risk-based capital ratio | 14.6196% | 4,273 |
| Memoranda: | ||
| Average total assets | $86,308,400 | 5,399 |
| Average earning assets | $80,860,600 | 5,312 |
| Average equity | $7,643,000 | 5,828 |
| Average total loans | $49,200,200 | 5,520 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5551% | 2,234 |
| Cost of funding earning assets | 1.4223% | 3,441 |
| Net interest margin | 4.1328% | 2,474 |
| Noninterest income to average assets | 0.3844% | 5,077 |
| Noninterest expense to average assets | 2.6738% | 4,988 |
| Loan and lease loss provision to assets | 0.3876% | 3,570 |
| Net operating income to assets | 0.9569% | 2,386 |
| Return on assets (ROA) | 0.9619% | 2,492 |
| Pretax return on assets | 1.2004% | 2,486 |
| Return on Equity (ROE) | 10.4736% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.4736% | 691 |
| Net charge-offs to loans | 0.4738% | 3,378 |
| Credit loss provision to net charge-offs | 140.3409% | 2,831 |
| Earnings coverage of net charge-offs (x) | 5.7273% | 2,689 |
| Efficiency ratio | 62.8319% | 5,461 |
| Assets per employee ($millions) | 3.0636% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 3,425 |
| Loan loss allowance to noncurrent loans | 41.1914% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 2.5040% | 2,866 |
| Noncurrent loans to loans | 3.9452% | 1,912 |
| Net loans and leases to total assets | 57.0901% | 5,402 |
| Net loans and leases to deposits | 69.0636% | 5,267 |
| Net loans and leases to core deposits | 77.5847% | 4,855 |
| Total domestic deposits to total assets | 82.6630% | 4,731 |
| Equity capital to assets | 10.0138% | 4,144 |
| Core capital (leverage) ratio | 8.9720% | 4,735 |
| Tier 1 risk-based capital ratio | 13.8733% | 3,938 |
| Total risk-based capital ratio | 15.1256% | 3,904 |
| Memoranda: | ||
| Average total assets | $84,971,000 | 5,504 |
| Average earning assets | $79,588,500 | 5,423 |
| Average equity | $7,803,500 | 5,857 |
| Average total loans | $49,525,500 | 5,584 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 2,375 |
| Cost of funding earning assets | 1.4701% | 3,426 |
| Net interest margin | 4.0687% | 2,703 |
| Noninterest income to average assets | 0.3896% | 4,997 |
| Noninterest expense to average assets | 2.6517% | 5,120 |
| Loan and lease loss provision to assets | 0.2361% | 4,553 |
| Net operating income to assets | 0.9799% | 2,264 |
| Return on assets (ROA) | 0.9870% | 2,327 |
| Pretax return on assets | 1.3081% | 2,059 |
| Return on Equity (ROE) | 11.0856% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.0856% | 639 |
| Net charge-offs to loans | 0.5785% | 2,804 |
| Credit loss provision to net charge-offs | 69.9301% | 4,966 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 2,922 |
| Efficiency ratio | 63.3390% | 5,460 |
| Assets per employee ($millions) | 2.8168% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 4,360 |
| Loan loss allowance to noncurrent loans | 39.4662% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 2.2839% | 3,153 |
| Noncurrent loans to loans | 3.5810% | 2,203 |
| Net loans and leases to total assets | 57.3712% | 5,511 |
| Net loans and leases to deposits | 68.2005% | 5,538 |
| Net loans and leases to core deposits | 77.5411% | 5,018 |
| Total domestic deposits to total assets | 84.1215% | 4,053 |
| Equity capital to assets | 9.2694% | 5,047 |
| Core capital (leverage) ratio | 8.8762% | 4,796 |
| Tier 1 risk-based capital ratio | 13.6981% | 3,943 |
| Total risk-based capital ratio | 14.9651% | 3,890 |
| Memoranda: | ||
| Average total assets | $84,700,670 | 5,542 |
| Average earning assets | $79,042,000 | 5,471 |
| Average equity | $7,541,330 | 5,952 |
| Average total loans | $49,440,000 | 5,631 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5208% | 2,495 |
| Cost of funding earning assets | 1.5279% | 3,385 |
| Net interest margin | 3.9929% | 2,893 |
| Noninterest income to average assets | 0.3774% | 5,118 |
| Noninterest expense to average assets | 2.6651% | 5,085 |
| Loan and lease loss provision to assets | 0.1368% | 5,197 |
| Net operating income to assets | 0.9634% | 2,320 |
| Return on assets (ROA) | 0.9670% | 2,371 |
| Pretax return on assets | 1.2783% | 2,109 |
| Return on Equity (ROE) | 11.0878% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.0878% | 903 |
| Net charge-offs to loans | 0.0646% | 4,762 |
| Credit loss provision to net charge-offs | 362.5000% | 1,119 |
| Earnings coverage of net charge-offs (x) | 37.3750% | 731 |
| Efficiency ratio | 65.3935% | 5,238 |
| Assets per employee ($millions) | 3.1180% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,643 |
| Loan loss allowance to noncurrent loans | 52.8552% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.9065% | 3,625 |
| Noncurrent loans to loans | 2.9389% | 2,739 |
| Net loans and leases to total assets | 57.1390% | 5,580 |
| Net loans and leases to deposits | 67.9037% | 5,605 |
| Net loans and leases to core deposits | 76.1871% | 5,233 |
| Total domestic deposits to total assets | 84.1470% | 4,078 |
| Equity capital to assets | 8.9908% | 5,294 |
| Core capital (leverage) ratio | 8.7148% | 4,999 |
| Tier 1 risk-based capital ratio | 13.4833% | 3,992 |
| Total risk-based capital ratio | 14.7522% | 3,947 |
| Memoranda: | ||
| Average total assets | $84,799,000 | 5,603 |
| Average earning assets | $78,539,500 | 5,560 |
| Average equity | $7,395,500 | 6,060 |
| Average total loans | $49,572,000 | 5,688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9347% | 2,104 |
| Cost of funding earning assets | 2.0288% | 2,829 |
| Net interest margin | 3.9059% | 3,246 |
| Noninterest income to average assets | 0.3941% | 5,250 |
| Noninterest expense to average assets | 2.6550% | 5,577 |
| Loan and lease loss provision to assets | 0.2066% | 5,689 |
| Net operating income to assets | 0.9163% | 2,123 |
| Return on assets (ROA) | 0.9770% | 1,974 |
| Pretax return on assets | 1.2696% | 1,782 |
| Return on Equity (ROE) | 11.5331% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.9770% | 1,826 |
| Net charge-offs to loans | 0.1668% | 5,618 |
| Credit loss provision to net charge-offs | 205.9524% | 1,868 |
| Earnings coverage of net charge-offs (x) | 13.9286% | 1,393 |
| Efficiency ratio | 65.5172% | 5,486 |
| Assets per employee ($millions) | 2.8471% | 6,568 |
| Cash dividends to net income (ytd only)* | 56.8460% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,901 |
| Loan loss allowance to noncurrent loans | 53.7118% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.8065% | 3,656 |
| Noncurrent loans to loans | 2.7326% | 2,828 |
| Net loans and leases to total assets | 58.0059% | 5,663 |
| Net loans and leases to deposits | 67.4968% | 5,890 |
| Net loans and leases to core deposits | 84.7892% | 5,640 |
| Total domestic deposits to total assets | 85.9387% | 3,049 |
| Equity capital to assets | 8.4555% | 5,958 |
| Core capital (leverage) ratio | 8.3653% | 5,511 |
| Tier 1 risk-based capital ratio | 12.7032% | 4,362 |
| Total risk-based capital ratio | 13.9713% | 4,285 |
| Memoranda: | ||
| Average total assets | $83,728,000 | 5,606 |
| Average earning assets | $78,420,400 | 5,513 |
| Average equity | $7,092,600 | 6,239 |
| Average total loans | $50,372,200 | 5,652 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9425% | 2,265 |
| Cost of funding earning assets | 2.1002% | 2,892 |
| Net interest margin | 3.8424% | 3,468 |
| Noninterest income to average assets | 0.3649% | 5,581 |
| Noninterest expense to average assets | 2.6296% | 5,601 |
| Loan and lease loss provision to assets | 0.1889% | 5,486 |
| Net operating income to assets | 0.8967% | 2,433 |
| Return on assets (ROA) | 0.9251% | 2,398 |
| Pretax return on assets | 1.2083% | 2,241 |
| Return on Equity (ROE) | 10.9153% | 1,650 |
| Retained earnings to average equity (ytd only) | 10.4431% | 552 |
| Net charge-offs to loans | 0.1323% | 5,373 |
| Credit loss provision to net charge-offs | 236.0000% | 1,854 |
| Earnings coverage of net charge-offs (x) | 16.9988% | 1,432 |
| Efficiency ratio | 65.9045% | 5,384 |
| Assets per employee ($millions) | 3.2254% | 5,587 |
| Cash dividends to net income (ytd only)* | 4.3249% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,042 |
| Loan loss allowance to noncurrent loans | 57.9160% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6778% | 3,859 |
| Noncurrent loans to loans | 2.3862% | 3,161 |
| Net loans and leases to total assets | 61.0124% | 5,423 |
| Net loans and leases to deposits | 71.7149% | 5,694 |
| Net loans and leases to core deposits | 94.6466% | 4,964 |
| Total domestic deposits to total assets | 85.0763% | 3,189 |
| Equity capital to assets | 8.9757% | 5,519 |
| Core capital (leverage) ratio | 8.6710% | 5,181 |
| Tier 1 risk-based capital ratio | 12.8790% | 4,278 |
| Total risk-based capital ratio | 14.1292% | 4,216 |
| Memoranda: | ||
| Average total assets | $83,307,000 | 5,642 |
| Average earning assets | $78,595,500 | 5,538 |
| Average equity | $7,060,250 | 6,301 |
| Average total loans | $50,394,750 | 5,694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9827% | 2,256 |
| Cost of funding earning assets | 2.1549% | 3,016 |
| Net interest margin | 3.8278% | 3,425 |
| Noninterest income to average assets | 0.3441% | 5,754 |
| Noninterest expense to average assets | 2.6515% | 5,553 |
| Loan and lease loss provision to assets | -0.0024% | 8,136 |
| Net operating income to assets | 0.9985% | 2,109 |
| Return on assets (ROA) | 0.9985% | 2,205 |
| Pretax return on assets | 1.3065% | 2,005 |
| Return on Equity (ROE) | 12.0208% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.0208% | 438 |
| Net charge-offs to loans | 0.1323% | 4,844 |
| Credit loss provision to net charge-offs | -3.0303% | 6,885 |
| Earnings coverage of net charge-offs (x) | 16.4242% | 1,533 |
| Efficiency ratio | 67.0316% | 5,355 |
| Assets per employee ($millions) | 2.8508% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 4,855 |
| Loan loss allowance to noncurrent loans | 66.2716% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 4,238 |
| Noncurrent loans to loans | 1.8290% | 3,767 |
| Net loans and leases to total assets | 60.6285% | 5,579 |
| Net loans and leases to deposits | 71.8129% | 5,758 |
| Net loans and leases to core deposits | 93.2487% | 5,210 |
| Total domestic deposits to total assets | 84.4256% | 3,538 |
| Equity capital to assets | 8.5408% | 5,989 |
| Core capital (leverage) ratio | 8.5934% | 5,273 |
| Tier 1 risk-based capital ratio | 12.8999% | 4,215 |
| Total risk-based capital ratio | 14.0167% | 4,226 |
| Memoranda: | ||
| Average total assets | $83,122,670 | 5,693 |
| Average earning assets | $78,426,330 | 5,585 |
| Average equity | $6,904,670 | 6,402 |
| Average total loans | $49,899,000 | 5,770 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9606% | 2,521 |
| Cost of funding earning assets | 2.2263% | 3,031 |
| Net interest margin | 3.7343% | 3,742 |
| Noninterest income to average assets | 0.3887% | 5,309 |
| Noninterest expense to average assets | 2.5628% | 5,597 |
| Loan and lease loss provision to assets | -0.1200% | 8,208 |
| Net operating income to assets | 1.1086% | 1,930 |
| Return on assets (ROA) | 1.1086% | 2,059 |
| Pretax return on assets | 1.4638% | 1,770 |
| Return on Equity (ROE) | 13.5355% | 1,264 |
| Retained earnings to average equity (ytd only) | 13.5355% | 565 |
| Net charge-offs to loans | 0.0566% | 4,677 |
| Credit loss provision to net charge-offs | -357.1429% | 6,347 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 848 |
| Efficiency ratio | 65.6020% | 5,405 |
| Assets per employee ($millions) | 2.9689% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 4,351 |
| Loan loss allowance to noncurrent loans | 57.1826% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.6204% | 3,489 |
| Noncurrent loans to loans | 2.2011% | 2,970 |
| Net loans and leases to total assets | 58.2276% | 5,908 |
| Net loans and leases to deposits | 68.8319% | 6,098 |
| Net loans and leases to core deposits | 86.5207% | 5,866 |
| Total domestic deposits to total assets | 84.5938% | 3,418 |
| Equity capital to assets | 8.4712% | 6,117 |
| Core capital (leverage) ratio | 8.2747% | 5,951 |
| Tier 1 risk-based capital ratio | 12.9544% | 4,210 |
| Total risk-based capital ratio | 14.1095% | 4,203 |
| Memoranda: | ||
| Average total assets | $83,347,000 | 5,691 |
| Average earning assets | $78,516,000 | 5,607 |
| Average equity | $6,826,500 | 6,465 |
| Average total loans | $49,479,000 | 5,822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6198% | 2,389 |
| Cost of funding earning assets | 2.6458% | 3,456 |
| Net interest margin | 3.9739% | 3,244 |
| Noninterest income to average assets | 0.4112% | 5,383 |
| Noninterest expense to average assets | 2.3728% | 6,495 |
| Loan and lease loss provision to assets | 0.2974% | 4,008 |
| Net operating income to assets | 1.1017% | 2,140 |
| Return on assets (ROA) | 1.1540% | 1,853 |
| Pretax return on assets | 1.5456% | 1,548 |
| Return on Equity (ROE) | 14.2035% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.5762% | 963 |
| Net charge-offs to loans | 0.3349% | 3,163 |
| Credit loss provision to net charge-offs | 143.7870% | 3,679 |
| Earnings coverage of net charge-offs (x) | 8.5740% | 2,859 |
| Efficiency ratio | 57.2314% | 6,828 |
| Assets per employee ($millions) | 3.0950% | 5,780 |
| Cash dividends to net income (ytd only)* | 46.6596% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 3,786 |
| Loan loss allowance to noncurrent loans | 65.0301% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 3,346 |
| Noncurrent loans to loans | 1.9985% | 2,766 |
| Net loans and leases to total assets | 58.9816% | 6,061 |
| Net loans and leases to deposits | 70.3030% | 6,242 |
| Net loans and leases to core deposits | 87.1876% | 6,044 |
| Total domestic deposits to total assets | 83.8964% | 3,372 |
| Equity capital to assets | 7.9112% | 6,953 |
| Core capital (leverage) ratio | 8.1937% | 6,179 |
| Tier 1 risk-based capital ratio | 12.3701% | 4,530 |
| Total risk-based capital ratio | 13.5703% | 4,454 |
| Memoranda: | ||
| Average total assets | $81,717,400 | 5,636 |
| Average earning assets | $76,800,200 | 5,556 |
| Average equity | $6,639,200 | 6,590 |
| Average total loans | $50,463,800 | 5,688 |