Home > Jackson County Bank > Performance and Condition Ratios
Jackson County 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 | 4.6353% | 2,814 |
| Cost of funding earning assets | 0.3844% | 4,305 |
| Net interest margin | 4.2509% | 876 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.3331% | 2,761 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.6771% | 762 |
| Return on assets (ROA) | 1.6771% | 735 |
| Pretax return on assets | 2.1036% | 563 |
| Return on Equity (ROE) | 6.7400% | 3,350 |
| Retained earnings to average equity (ytd only) | 4.9147% | 2,626 |
| Net charge-offs to loans | 0.0214% | 1,910 |
| Credit loss provision to net charge-offs | 1,256.2500% | 334 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 536 |
| Efficiency ratio | 51.1712% | 3,894 |
| Assets per employee ($millions) | 4.2093% | 4,082 |
| Cash dividends to net income (ytd only)* | 27.1106% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4960% | 195 |
| Loan loss allowance to noncurrent loans | 532.4859% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 2,148 |
| Noncurrent loans to loans | 0.4687% | 1,611 |
| Net loans and leases to total assets | 44.8600% | 3,868 |
| Net loans and leases to deposits | 67.6724% | 3,059 |
| Net loans and leases to core deposits | 71.4881% | 3,223 |
| Total domestic deposits to total assets | 66.2800% | 4,371 |
| Equity capital to assets | 25.6297% | 185 |
| Core capital (leverage) ratio | 26.2628% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $163,858,400 | 3,245 |
| Average earning assets | $156,345,000 | 3,196 |
| Average equity | $40,755,000 | 1,864 |
| Average total loans | $74,862,800 | 3,480 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 2,831 |
| Cost of funding earning assets | 0.3563% | 4,309 |
| Net interest margin | 4.1797% | 950 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.3062% | 2,772 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7104% | 783 |
| Return on assets (ROA) | 1.7104% | 772 |
| Pretax return on assets | 2.1312% | 615 |
| Return on Equity (ROE) | 6.9300% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.9295% | 2,313 |
| Net charge-offs to loans | -0.0107% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.3690% | 3,803 |
| Assets per employee ($millions) | 4.1603% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3423% | 247 |
| Loan loss allowance to noncurrent loans | 534.7432% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,246 |
| Noncurrent loans to loans | 0.4380% | 1,737 |
| Net loans and leases to total assets | 45.4800% | 3,853 |
| Net loans and leases to deposits | 69.8958% | 2,849 |
| Net loans and leases to core deposits | 74.3507% | 2,975 |
| Total domestic deposits to total assets | 65.0700% | 4,416 |
| Equity capital to assets | 25.3385% | 194 |
| Core capital (leverage) ratio | 26.7188% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $163,782,750 | 3,250 |
| Average earning assets | $156,402,500 | 3,207 |
| Average equity | $40,425,250 | 1,855 |
| Average total loans | $74,698,000 | 3,489 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 2,753 |
| Cost of funding earning assets | 0.3149% | 4,291 |
| Net interest margin | 4.1406% | 1,019 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.2789% | 2,873 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.7128% | 764 |
| Return on assets (ROA) | 1.7128% | 763 |
| Pretax return on assets | 2.1048% | 620 |
| Return on Equity (ROE) | 7.0000% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.0006% | 2,282 |
| Net charge-offs to loans | -0.0269% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.2736% | 3,832 |
| Assets per employee ($millions) | 4.3411% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3467% | 258 |
| Loan loss allowance to noncurrent loans | 495.7746% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,087 |
| Noncurrent loans to loans | 0.4733% | 1,527 |
| Net loans and leases to total assets | 45.6000% | 3,813 |
| Net loans and leases to deposits | 69.4120% | 2,832 |
| Net loans and leases to core deposits | 73.3892% | 2,933 |
| Total domestic deposits to total assets | 65.6900% | 4,435 |
| Equity capital to assets | 25.4341% | 191 |
| Core capital (leverage) ratio | 25.6175% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $164,293,333 | 3,252 |
| Average earning assets | $156,885,333 | 3,211 |
| Average equity | $40,196,333 | 1,875 |
| Average total loans | $74,408,667 | 3,501 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 2,828 |
| Cost of funding earning assets | 0.2725% | 4,253 |
| Net interest margin | 4.0164% | 1,233 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.2175% | 3,050 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6517% | 903 |
| Return on assets (ROA) | 1.6517% | 905 |
| Pretax return on assets | 2.0032% | 778 |
| Return on Equity (ROE) | 6.8800% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.8826% | 2,526 |
| Net charge-offs to loans | -0.0540% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.9459% | 3,782 |
| Assets per employee ($millions) | 4.5356% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3148% | 273 |
| Loan loss allowance to noncurrent loans | 533.9506% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 1,974 |
| Noncurrent loans to loans | 0.4335% | 1,632 |
| Net loans and leases to total assets | 43.5000% | 3,889 |
| Net loans and leases to deposits | 63.8211% | 3,103 |
| Net loans and leases to core deposits | 67.1644% | 3,150 |
| Total domestic deposits to total assets | 68.1600% | 4,458 |
| Equity capital to assets | 24.1056% | 163 |
| Core capital (leverage) ratio | 25.1014% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $166,130,500 | 3,290 |
| Average earning assets | $158,550,500 | 3,245 |
| Average equity | $39,868,500 | 1,908 |
| Average total loans | $74,114,000 | 3,539 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 2,652 |
| Cost of funding earning assets | 0.2358% | 3,455 |
| Net interest margin | 3.4163% | 2,199 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.0964% | 3,300 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2627% | 1,558 |
| Return on assets (ROA) | 1.2627% | 1,507 |
| Pretax return on assets | 1.6163% | 1,125 |
| Return on Equity (ROE) | 5.5200% | 3,926 |
| Retained earnings to average equity (ytd only) | 3.6814% | 3,503 |
| Net charge-offs to loans | 0.1047% | 713 |
| Credit loss provision to net charge-offs | 193.3333% | 1,145 |
| Earnings coverage of net charge-offs (x) | 39.0533% | 1,518 |
| Efficiency ratio | 55.2141% | 3,659 |
| Assets per employee ($millions) | 4.3275% | 4,129 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3131% | 259 |
| Loan loss allowance to noncurrent loans | 437.0180% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 1,790 |
| Noncurrent loans to loans | 0.5293% | 1,388 |
| Net loans and leases to total assets | 43.6600% | 3,910 |
| Net loans and leases to deposits | 62.4064% | 3,165 |
| Net loans and leases to core deposits | 65.6687% | 3,153 |
| Total domestic deposits to total assets | 69.9600% | 4,475 |
| Equity capital to assets | 23.8888% | 162 |
| Core capital (leverage) ratio | 24.6418% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $172,244,000 | 3,252 |
| Average earning assets | $164,154,600 | 3,210 |
| Average equity | $39,387,600 | 1,940 |
| Average total loans | $71,636,400 | 3,553 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 2,732 |
| Cost of funding earning assets | 0.2362% | 2,856 |
| Net interest margin | 3.2291% | 2,535 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.0681% | 3,299 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1596% | 1,857 |
| Return on assets (ROA) | 1.1596% | 1,832 |
| Pretax return on assets | 1.4788% | 1,471 |
| Return on Equity (ROE) | 5.1300% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.1250% | 3,056 |
| Net charge-offs to loans | 0.1199% | 525 |
| Credit loss provision to net charge-offs | 178.1250% | 1,038 |
| Earnings coverage of net charge-offs (x) | 31.9688% | 1,497 |
| Efficiency ratio | 56.9082% | 3,527 |
| Assets per employee ($millions) | 4.6126% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2889% | 296 |
| Loan loss allowance to noncurrent loans | 428.5714% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 2,112 |
| Noncurrent loans to loans | 0.5341% | 1,470 |
| Net loans and leases to total assets | 40.9200% | 4,036 |
| Net loans and leases to deposits | 56.0088% | 3,480 |
| Net loans and leases to core deposits | 59.5968% | 3,411 |
| Total domestic deposits to total assets | 73.0500% | 4,478 |
| Equity capital to assets | 22.1779% | 176 |
| Core capital (leverage) ratio | 23.1675% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $174,193,750 | 3,264 |
| Average earning assets | $165,988,250 | 3,218 |
| Average equity | $39,413,500 | 1,966 |
| Average total loans | $71,172,250 | 3,569 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2667% | 2,852 |
| Cost of funding earning assets | 0.2312% | 2,485 |
| Net interest margin | 3.0356% | 2,779 |
| Noninterest income to average assets | 0.4361% | 2,534 |
| Noninterest expense to average assets | 2.0675% | 3,244 |
| Loan and lease loss provision to assets | 0.0426% | 1,807 |
| Net operating income to assets | 0.9664% | 2,287 |
| Return on assets (ROA) | 0.9664% | 2,262 |
| Pretax return on assets | 1.2115% | 2,038 |
| Return on Equity (ROE) | 4.2431% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.2431% | 2,999 |
| Net charge-offs to loans | 0.1051% | 567 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 29.4595% | 1,397 |
| Efficiency ratio | 62.2445% | 3,014 |
| Assets per employee ($millions) | 4.4420% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 333 |
| Loan loss allowance to noncurrent loans | 337.4741% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 1,864 |
| Noncurrent loans to loans | 0.6805% | 1,268 |
| Net loans and leases to total assets | 41.0842% | 4,028 |
| Net loans and leases to deposits | 57.5851% | 3,256 |
| Net loans and leases to core deposits | 61.2404% | 3,181 |
| Total domestic deposits to total assets | 71.3451% | 4,593 |
| Equity capital to assets | 23.3686% | 111 |
| Core capital (leverage) ratio | 23.2607% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,832,333 | 3,300 |
| Average earning assets | $165,241,333 | 3,269 |
| Average equity | $39,593,667 | 2,018 |
| Average total loans | $70,430,667 | 3,615 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1167% | 2,928 |
| Cost of funding earning assets | 0.2317% | 2,373 |
| Net interest margin | 2.8850% | 2,893 |
| Noninterest income to average assets | 0.4105% | 2,615 |
| Noninterest expense to average assets | 2.0459% | 3,312 |
| Loan and lease loss provision to assets | 0.0408% | 1,620 |
| Net operating income to assets | 0.8823% | 2,349 |
| Return on assets (ROA) | 0.8823% | 2,349 |
| Pretax return on assets | 1.0638% | 2,251 |
| Return on Equity (ROE) | 3.9226% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.9226% | 2,958 |
| Net charge-offs to loans | 0.1026% | 506 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 27.0556% | 1,178 |
| Efficiency ratio | 64.9388% | 2,917 |
| Assets per employee ($millions) | 4.3824% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3148% | 364 |
| Loan loss allowance to noncurrent loans | 396.5937% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 2,239 |
| Noncurrent loans to loans | 0.5837% | 1,589 |
| Net loans and leases to total assets | 39.2391% | 4,060 |
| Net loans and leases to deposits | 54.9006% | 3,351 |
| Net loans and leases to core deposits | 59.3399% | 3,203 |
| Total domestic deposits to total assets | 71.4730% | 4,640 |
| Equity capital to assets | 22.4784% | 112 |
| Core capital (leverage) ratio | 22.5466% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,351,000 | 3,288 |
| Average earning assets | $167,487,000 | 3,253 |
| Average equity | $39,668,000 | 2,069 |
| Average total loans | $70,157,000 | 3,613 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 2,421 |
| Cost of funding earning assets | 0.2537% | 2,882 |
| Net interest margin | 3.3351% | 2,220 |
| Noninterest income to average assets | 0.5399% | 2,400 |
| Noninterest expense to average assets | 2.1030% | 3,379 |
| Loan and lease loss provision to assets | 0.0564% | 1,922 |
| Net operating income to assets | 1.2310% | 1,808 |
| Return on assets (ROA) | 1.1841% | 2,043 |
| Pretax return on assets | 1.4990% | 1,731 |
| Return on Equity (ROE) | 4.9378% | 4,010 |
| Retained earnings to average equity (ytd only) | 3.1468% | 3,566 |
| Net charge-offs to loans | 0.0565% | 1,230 |
| Credit loss provision to net charge-offs | 241.0256% | 1,193 |
| Earnings coverage of net charge-offs (x) | 69.0256% | 1,085 |
| Efficiency ratio | 56.5666% | 3,635 |
| Assets per employee ($millions) | 4.6686% | 3,988 |
| Cash dividends to net income (ytd only)* | 36.2715% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 365 |
| Loan loss allowance to noncurrent loans | 1,093.9597% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,352 |
| Noncurrent loans to loans | 0.2132% | 2,891 |
| Net loans and leases to total assets | 38.4820% | 4,159 |
| Net loans and leases to deposits | 53.9271% | 3,603 |
| Net loans and leases to core deposits | 58.2550% | 3,453 |
| Total domestic deposits to total assets | 71.3593% | 4,658 |
| Equity capital to assets | 22.5089% | 119 |
| Core capital (leverage) ratio | 23.1544% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,712,000 | 3,330 |
| Average earning assets | $158,856,800 | 3,288 |
| Average equity | $39,977,000 | 2,082 |
| Average total loans | $68,973,800 | 3,670 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 2,163 |
| Cost of funding earning assets | 0.2583% | 3,031 |
| Net interest margin | 3.4851% | 1,915 |
| Noninterest income to average assets | 0.5771% | 2,314 |
| Noninterest expense to average assets | 2.1206% | 3,305 |
| Loan and lease loss provision to assets | 0.0555% | 1,876 |
| Net operating income to assets | 1.3501% | 1,692 |
| Return on assets (ROA) | 1.3501% | 1,746 |
| Pretax return on assets | 1.7248% | 1,348 |
| Return on Equity (ROE) | 5.5382% | 4,013 |
| Retained earnings to average equity (ytd only) | 5.5382% | 3,028 |
| Net charge-offs to loans | 0.0252% | 1,538 |
| Credit loss provision to net charge-offs | 523.0769% | 742 |
| Earnings coverage of net charge-offs (x) | 168.4615% | 623 |
| Efficiency ratio | 54.3655% | 3,757 |
| Assets per employee ($millions) | 4.3564% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3736% | 348 |
| Loan loss allowance to noncurrent loans | 1,018.7500% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,459 |
| Noncurrent loans to loans | 0.2330% | 3,007 |
| Net loans and leases to total assets | 40.4971% | 4,183 |
| Net loans and leases to deposits | 57.1413% | 3,477 |
| Net loans and leases to core deposits | 61.5999% | 3,355 |
| Total domestic deposits to total assets | 70.8720% | 4,712 |
| Equity capital to assets | 24.4797% | 105 |
| Core capital (leverage) ratio | 24.0964% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,038,750 | 3,389 |
| Average earning assets | $156,432,500 | 3,345 |
| Average equity | $39,988,250 | 2,109 |
| Average total loans | $68,742,500 | 3,726 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 1,719 |
| Cost of funding earning assets | 0.2600% | 3,186 |
| Net interest margin | 3.6766% | 1,401 |
| Noninterest income to average assets | 0.6335% | 2,074 |
| Noninterest expense to average assets | 2.1243% | 3,318 |
| Loan and lease loss provision to assets | 0.0220% | 2,535 |
| Net operating income to assets | 1.5789% | 1,094 |
| Return on assets (ROA) | 1.5789% | 1,155 |
| Pretax return on assets | 1.9983% | 839 |
| Return on Equity (ROE) | 6.4859% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,630 |
| Net charge-offs to loans | 0.0087% | 1,811 |
| Credit loss provision to net charge-offs | 600.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 550.6667% | 241 |
| Efficiency ratio | 51.2541% | 4,118 |
| Assets per employee ($millions) | 4.3689% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2953% | 362 |
| Loan loss allowance to noncurrent loans | 1,336.1345% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,733 |
| Noncurrent loans to loans | 0.1718% | 3,358 |
| Net loans and leases to total assets | 40.7675% | 4,252 |
| Net loans and leases to deposits | 58.6389% | 3,486 |
| Net loans and leases to core deposits | 63.2828% | 3,356 |
| Total domestic deposits to total assets | 69.5230% | 4,767 |
| Equity capital to assets | 24.2505% | 104 |
| Core capital (leverage) ratio | 23.7377% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,536,667 | 3,401 |
| Average earning assets | $156,177,333 | 3,351 |
| Average equity | $39,809,333 | 2,107 |
| Average total loans | $68,766,333 | 3,750 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 1,615 |
| Cost of funding earning assets | 0.2644% | 3,336 |
| Net interest margin | 3.7352% | 1,257 |
| Noninterest income to average assets | 0.8059% | 1,571 |
| Noninterest expense to average assets | 2.1418% | 3,297 |
| Loan and lease loss provision to assets | 0.0641% | 1,859 |
| Net operating income to assets | 1.7967% | 791 |
| Return on assets (ROA) | 1.7967% | 845 |
| Pretax return on assets | 2.1861% | 709 |
| Return on Equity (ROE) | 7.3666% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.3666% | 2,459 |
| Net charge-offs to loans | 0.0642% | 890 |
| Credit loss provision to net charge-offs | 236.3636% | 837 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 684 |
| Efficiency ratio | 48.7654% | 4,280 |
| Assets per employee ($millions) | 4.1666% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3288% | 348 |
| Loan loss allowance to noncurrent loans | 859.4595% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 3,614 |
| Noncurrent loans to loans | 0.2710% | 3,138 |
| Net loans and leases to total assets | 40.0120% | 4,341 |
| Net loans and leases to deposits | 58.7226% | 3,588 |
| Net loans and leases to core deposits | 62.6071% | 3,532 |
| Total domestic deposits to total assets | 68.1373% | 4,802 |
| Equity capital to assets | 23.9066% | 108 |
| Core capital (leverage) ratio | 24.2353% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,296,500 | 3,407 |
| Average earning assets | $155,814,000 | 3,352 |
| Average equity | $39,584,000 | 2,104 |
| Average total loans | $68,514,000 | 3,766 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 2,564 |
| Cost of funding earning assets | 0.3499% | 3,870 |
| Net interest margin | 3.7059% | 1,777 |
| Noninterest income to average assets | 0.5009% | 2,632 |
| Noninterest expense to average assets | 2.5175% | 2,788 |
| Loan and lease loss provision to assets | 0.0824% | 3,350 |
| Net operating income to assets | 1.1814% | 1,611 |
| Return on assets (ROA) | 1.1814% | 1,724 |
| Pretax return on assets | 1.4687% | 1,442 |
| Return on Equity (ROE) | 4.5177% | 4,024 |
| Retained earnings to average equity (ytd only) | 2.7378% | 3,493 |
| Net charge-offs to loans | 0.1558% | 1,052 |
| Credit loss provision to net charge-offs | 113.8889% | 2,692 |
| Earnings coverage of net charge-offs (x) | 21.4444% | 1,897 |
| Efficiency ratio | 61.8765% | 3,160 |
| Assets per employee ($millions) | 4.1560% | 4,249 |
| Cash dividends to net income (ytd only)* | 39.3991% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 357 |
| Loan loss allowance to noncurrent loans | 622.5296% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 3,469 |
| Noncurrent loans to loans | 0.3680% | 2,881 |
| Net loans and leases to total assets | 42.5365% | 4,321 |
| Net loans and leases to deposits | 61.0057% | 3,680 |
| Net loans and leases to core deposits | 65.2908% | 3,602 |
| Total domestic deposits to total assets | 69.7254% | 4,779 |
| Equity capital to assets | 24.9000% | 99 |
| Core capital (leverage) ratio | 24.2665% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,317,200 | 3,412 |
| Average earning assets | $143,744,000 | 3,337 |
| Average equity | $39,046,400 | 2,051 |
| Average total loans | $69,326,000 | 3,751 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 2,519 |
| Cost of funding earning assets | 0.3660% | 3,971 |
| Net interest margin | 3.7851% | 1,664 |
| Noninterest income to average assets | 0.5092% | 2,574 |
| Noninterest expense to average assets | 2.5304% | 2,743 |
| Loan and lease loss provision to assets | 0.0741% | 3,394 |
| Net operating income to assets | 1.2430% | 1,511 |
| Return on assets (ROA) | 1.2430% | 1,626 |
| Pretax return on assets | 1.5492% | 1,331 |
| Return on Equity (ROE) | 4.6932% | 3,972 |
| Retained earnings to average equity (ytd only) | 4.6932% | 2,697 |
| Net charge-offs to loans | 0.1478% | 997 |
| Credit loss provision to net charge-offs | 106.4935% | 2,573 |
| Earnings coverage of net charge-offs (x) | 23.2727% | 1,803 |
| Efficiency ratio | 60.9160% | 3,232 |
| Assets per employee ($millions) | 3.7930% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 323 |
| Loan loss allowance to noncurrent loans | 478.5933% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,389 |
| Noncurrent loans to loans | 0.4681% | 2,649 |
| Net loans and leases to total assets | 43.9165% | 4,422 |
| Net loans and leases to deposits | 64.6568% | 3,743 |
| Net loans and leases to core deposits | 69.5801% | 3,650 |
| Total domestic deposits to total assets | 67.9225% | 4,813 |
| Equity capital to assets | 25.5654% | 96 |
| Core capital (leverage) ratio | 25.1369% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,164,500 | 3,423 |
| Average earning assets | $141,708,250 | 3,352 |
| Average equity | $38,977,000 | 2,047 |
| Average total loans | $69,469,500 | 3,758 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,586 |
| Cost of funding earning assets | 0.3825% | 4,114 |
| Net interest margin | 3.8757% | 1,634 |
| Noninterest income to average assets | 0.5195% | 2,496 |
| Noninterest expense to average assets | 2.5903% | 2,693 |
| Loan and lease loss provision to assets | 0.0970% | 3,063 |
| Net operating income to assets | 1.2550% | 1,477 |
| Return on assets (ROA) | 1.2550% | 1,596 |
| Pretax return on assets | 1.5653% | 1,309 |
| Return on Equity (ROE) | 4.6801% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.6801% | 2,618 |
| Net charge-offs to loans | 0.2019% | 762 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,829 |
| Efficiency ratio | 60.9121% | 3,288 |
| Assets per employee ($millions) | 3.9308% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2474% | 313 |
| Loan loss allowance to noncurrent loans | 537.9310% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 3,586 |
| Noncurrent loans to loans | 0.4178% | 2,915 |
| Net loans and leases to total assets | 44.2607% | 4,440 |
| Net loans and leases to deposits | 67.6372% | 3,599 |
| Net loans and leases to core deposits | 73.0663% | 3,516 |
| Total domestic deposits to total assets | 65.4384% | 4,891 |
| Equity capital to assets | 25.6988% | 92 |
| Core capital (leverage) ratio | 25.1677% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,382,333 | 3,435 |
| Average earning assets | $139,071,333 | 3,360 |
| Average equity | $38,717,000 | 2,052 |
| Average total loans | $69,339,333 | 3,765 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,487 |
| Cost of funding earning assets | 0.3947% | 4,382 |
| Net interest margin | 4.0417% | 1,284 |
| Noninterest income to average assets | 0.5746% | 2,154 |
| Noninterest expense to average assets | 2.7101% | 2,680 |
| Loan and lease loss provision to assets | 0.0686% | 2,897 |
| Net operating income to assets | 1.3522% | 1,101 |
| Return on assets (ROA) | 1.3522% | 1,184 |
| Pretax return on assets | 1.6895% | 868 |
| Return on Equity (ROE) | 4.9300% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.9300% | 2,304 |
| Net charge-offs to loans | 0.1385% | 906 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 25.6250% | 1,280 |
| Efficiency ratio | 60.6526% | 3,657 |
| Assets per employee ($millions) | 3.4823% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 348 |
| Loan loss allowance to noncurrent loans | 284.6715% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 2,781 |
| Noncurrent loans to loans | 0.7907% | 2,033 |
| Net loans and leases to total assets | 47.4515% | 4,367 |
| Net loans and leases to deposits | 73.6127% | 3,310 |
| Net loans and leases to core deposits | 80.2074% | 3,176 |
| Total domestic deposits to total assets | 64.4611% | 4,985 |
| Equity capital to assets | 27.2355% | 88 |
| Core capital (leverage) ratio | 27.6294% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,922,000 | 3,457 |
| Average earning assets | $134,794,500 | 3,385 |
| Average equity | $38,377,000 | 2,048 |
| Average total loans | $69,302,500 | 3,776 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 2,495 |
| Cost of funding earning assets | 0.3980% | 4,447 |
| Net interest margin | 4.2438% | 1,224 |
| Noninterest income to average assets | 0.6190% | 2,138 |
| Noninterest expense to average assets | 2.7104% | 2,857 |
| Loan and lease loss provision to assets | 0.1864% | 1,105 |
| Net operating income to assets | 1.4479% | 1,196 |
| Return on assets (ROA) | 1.4503% | 1,253 |
| Pretax return on assets | 1.8032% | 925 |
| Return on Equity (ROE) | 5.2706% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.4387% | 3,288 |
| Net charge-offs to loans | 0.2532% | 814 |
| Credit loss provision to net charge-offs | 146.2428% | 1,753 |
| Earnings coverage of net charge-offs (x) | 15.5838% | 2,221 |
| Efficiency ratio | 57.7032% | 4,011 |
| Assets per employee ($millions) | 3.4268% | 4,543 |
| Cash dividends to net income (ytd only)* | 34.7561% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2512% | 310 |
| Loan loss allowance to noncurrent loans | 220.9632% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 2,163 |
| Noncurrent loans to loans | 1.0188% | 1,491 |
| Net loans and leases to total assets | 49.4175% | 4,351 |
| Net loans and leases to deposits | 71.8131% | 3,532 |
| Net loans and leases to core deposits | 78.0785% | 3,443 |
| Total domestic deposits to total assets | 68.8140% | 4,976 |
| Equity capital to assets | 27.6273% | 92 |
| Core capital (leverage) ratio | 27.1168% | 100 |
| Tier 1 risk-based capital ratio | 50.1335% | 133 |
| Total risk-based capital ratio | 51.3925% | 131 |
| Memoranda: | ||
| Average total assets | $135,699,600 | 3,498 |
| Average earning assets | $130,403,200 | 3,417 |
| Average equity | $37,339,200 | 2,038 |
| Average total loans | $68,334,000 | 3,807 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 2,610 |
| Cost of funding earning assets | 0.3960% | 4,519 |
| Net interest margin | 4.2406% | 1,279 |
| Noninterest income to average assets | 0.6225% | 2,094 |
| Noninterest expense to average assets | 2.7157% | 2,823 |
| Loan and lease loss provision to assets | 0.1487% | 1,278 |
| Net operating income to assets | 1.4714% | 1,272 |
| Return on assets (ROA) | 1.4746% | 1,318 |
| Pretax return on assets | 1.8331% | 1,009 |
| Return on Equity (ROE) | 5.3645% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.3645% | 2,695 |
| Net charge-offs to loans | 0.2271% | 778 |
| Credit loss provision to net charge-offs | 130.1724% | 1,821 |
| Earnings coverage of net charge-offs (x) | 17.3107% | 2,095 |
| Efficiency ratio | 57.8594% | 3,959 |
| Assets per employee ($millions) | 3.2610% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2099% | 328 |
| Loan loss allowance to noncurrent loans | 193.2398% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 2,245 |
| Noncurrent loans to loans | 1.1436% | 1,385 |
| Net loans and leases to total assets | 50.1432% | 4,422 |
| Net loans and leases to deposits | 73.8386% | 3,489 |
| Net loans and leases to core deposits | 80.5965% | 3,345 |
| Total domestic deposits to total assets | 67.9093% | 5,061 |
| Equity capital to assets | 28.5432% | 83 |
| Core capital (leverage) ratio | 28.0183% | 82 |
| Tier 1 risk-based capital ratio | 50.4725% | 135 |
| Total risk-based capital ratio | 51.7315% | 132 |
| Memoranda: | ||
| Average total assets | $135,356,750 | 3,538 |
| Average earning assets | $129,946,750 | 3,466 |
| Average equity | $37,206,750 | 2,053 |
| Average total loans | $68,093,250 | 3,852 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 2,715 |
| Cost of funding earning assets | 0.3935% | 4,537 |
| Net interest margin | 4.1941% | 1,381 |
| Noninterest income to average assets | 0.6122% | 2,092 |
| Noninterest expense to average assets | 2.6768% | 2,985 |
| Loan and lease loss provision to assets | 0.1427% | 1,301 |
| Net operating income to assets | 1.4686% | 1,235 |
| Return on assets (ROA) | 1.4686% | 1,291 |
| Pretax return on assets | 1.8233% | 983 |
| Return on Equity (ROE) | 5.4109% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.4109% | 2,570 |
| Net charge-offs to loans | 0.1972% | 839 |
| Credit loss provision to net charge-offs | 144.7761% | 1,531 |
| Earnings coverage of net charge-offs (x) | 19.9403% | 1,795 |
| Efficiency ratio | 57.6545% | 4,054 |
| Assets per employee ($millions) | 3.4001% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2168% | 326 |
| Loan loss allowance to noncurrent loans | 246.7320% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 2,717 |
| Noncurrent loans to loans | 0.8985% | 1,818 |
| Net loans and leases to total assets | 48.9732% | 4,523 |
| Net loans and leases to deposits | 71.0415% | 3,762 |
| Net loans and leases to core deposits | 77.8387% | 3,592 |
| Total domestic deposits to total assets | 68.9360% | 5,077 |
| Equity capital to assets | 27.6420% | 91 |
| Core capital (leverage) ratio | 27.5942% | 89 |
| Tier 1 risk-based capital ratio | 50.0631% | 135 |
| Total risk-based capital ratio | 51.3220% | 133 |
| Memoranda: | ||
| Average total assets | $135,909,330 | 3,544 |
| Average earning assets | $130,612,000 | 3,466 |
| Average equity | $36,888,330 | 2,069 |
| Average total loans | $67,939,000 | 3,882 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 2,663 |
| Cost of funding earning assets | 0.3865% | 4,545 |
| Net interest margin | 4.1745% | 1,363 |
| Noninterest income to average assets | 0.5918% | 2,083 |
| Noninterest expense to average assets | 2.6615% | 3,025 |
| Loan and lease loss provision to assets | 0.1443% | 1,181 |
| Net operating income to assets | 1.4456% | 1,249 |
| Return on assets (ROA) | 1.4456% | 1,277 |
| Pretax return on assets | 1.7930% | 988 |
| Return on Equity (ROE) | 5.3756% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.3756% | 2,747 |
| Net charge-offs to loans | 0.1710% | 799 |
| Credit loss provision to net charge-offs | 168.9655% | 1,157 |
| Earnings coverage of net charge-offs (x) | 22.6897% | 1,489 |
| Efficiency ratio | 57.8745% | 4,097 |
| Assets per employee ($millions) | 3.4952% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 354 |
| Loan loss allowance to noncurrent loans | 234.3750% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 2,739 |
| Noncurrent loans to loans | 0.9404% | 1,783 |
| Net loans and leases to total assets | 48.8258% | 4,536 |
| Net loans and leases to deposits | 70.2546% | 3,750 |
| Net loans and leases to core deposits | 76.8818% | 3,604 |
| Total domestic deposits to total assets | 69.4984% | 5,125 |
| Equity capital to assets | 27.0492% | 93 |
| Core capital (leverage) ratio | 27.4347% | 88 |
| Tier 1 risk-based capital ratio | 48.8887% | 142 |
| Total risk-based capital ratio | 50.1470% | 139 |
| Memoranda: | ||
| Average total assets | $135,862,500 | 3,579 |
| Average earning assets | $130,409,500 | 3,509 |
| Average equity | $36,535,500 | 2,076 |
| Average total loans | $67,851,000 | 3,923 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 2,470 |
| Cost of funding earning assets | 0.3013% | 4,565 |
| Net interest margin | 4.1950% | 1,400 |
| Noninterest income to average assets | 0.6219% | 2,181 |
| Noninterest expense to average assets | 2.7338% | 2,917 |
| Loan and lease loss provision to assets | 0.0669% | 2,816 |
| Net operating income to assets | 1.4756% | 1,184 |
| Return on assets (ROA) | 1.4756% | 1,178 |
| Pretax return on assets | 1.8215% | 870 |
| Return on Equity (ROE) | 5.4439% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.5928% | 3,608 |
| Net charge-offs to loans | 0.1325% | 1,424 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 28.2273% | 1,656 |
| Efficiency ratio | 59.1447% | 3,991 |
| Assets per employee ($millions) | 3.5635% | 4,483 |
| Cash dividends to net income (ytd only)* | 34.0031% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 338 |
| Loan loss allowance to noncurrent loans | 227.3425% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 2,648 |
| Noncurrent loans to loans | 0.9623% | 1,682 |
| Net loans and leases to total assets | 48.8627% | 4,587 |
| Net loans and leases to deposits | 69.9174% | 3,833 |
| Net loans and leases to core deposits | 76.4777% | 3,681 |
| Total domestic deposits to total assets | 69.8864% | 5,154 |
| Equity capital to assets | 26.7328% | 93 |
| Core capital (leverage) ratio | 27.0410% | 88 |
| Tier 1 risk-based capital ratio | 47.9874% | 145 |
| Total risk-based capital ratio | 49.2458% | 145 |
| Memoranda: | ||
| Average total assets | $131,539,600 | 3,630 |
| Average earning assets | $125,435,800 | 3,568 |
| Average equity | $35,654,400 | 2,045 |
| Average total loans | $66,407,200 | 3,955 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 2,477 |
| Cost of funding earning assets | 0.2884% | 4,594 |
| Net interest margin | 4.1567% | 1,479 |
| Noninterest income to average assets | 0.6219% | 2,197 |
| Noninterest expense to average assets | 2.7703% | 2,743 |
| Loan and lease loss provision to assets | 0.0541% | 2,887 |
| Net operating income to assets | 1.4245% | 1,402 |
| Return on assets (ROA) | 1.4245% | 1,403 |
| Pretax return on assets | 1.7563% | 1,122 |
| Return on Equity (ROE) | 5.2366% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.2366% | 3,094 |
| Net charge-offs to loans | 0.1674% | 988 |
| Credit loss provision to net charge-offs | 63.8554% | 2,701 |
| Earnings coverage of net charge-offs (x) | 21.3622% | 1,925 |
| Efficiency ratio | 60.4770% | 3,746 |
| Assets per employee ($millions) | 3.2882% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1736% | 379 |
| Loan loss allowance to noncurrent loans | 260.3232% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 2,997 |
| Noncurrent loans to loans | 0.8349% | 2,040 |
| Net loans and leases to total assets | 49.6179% | 4,623 |
| Net loans and leases to deposits | 71.7162% | 3,795 |
| Net loans and leases to core deposits | 78.7910% | 3,588 |
| Total domestic deposits to total assets | 69.1866% | 5,250 |
| Equity capital to assets | 27.4887% | 87 |
| Core capital (leverage) ratio | 27.9210% | 79 |
| Tier 1 risk-based capital ratio | 49.2867% | 138 |
| Total risk-based capital ratio | 50.5453% | 138 |
| Memoranda: | ||
| Average total assets | $130,571,000 | 3,673 |
| Average earning assets | $124,359,250 | 3,618 |
| Average equity | $35,518,000 | 2,063 |
| Average total loans | $66,097,250 | 3,994 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,424 |
| Cost of funding earning assets | 0.2762% | 4,588 |
| Net interest margin | 4.1214% | 1,485 |
| Noninterest income to average assets | 0.6188% | 2,228 |
| Noninterest expense to average assets | 2.7577% | 2,815 |
| Loan and lease loss provision to assets | 0.0461% | 2,982 |
| Net operating income to assets | 1.4080% | 1,406 |
| Return on assets (ROA) | 1.4080% | 1,411 |
| Pretax return on assets | 1.7336% | 1,130 |
| Return on Equity (ROE) | 5.1946% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.1946% | 2,976 |
| Net charge-offs to loans | 0.1821% | 862 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 19.3167% | 1,852 |
| Efficiency ratio | 60.7783% | 3,800 |
| Assets per employee ($millions) | 3.3270% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 377 |
| Loan loss allowance to noncurrent loans | 320.7965% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,390 |
| Noncurrent loans to loans | 0.6820% | 2,403 |
| Net loans and leases to total assets | 48.7120% | 4,672 |
| Net loans and leases to deposits | 69.5898% | 3,894 |
| Net loans and leases to core deposits | 76.2548% | 3,727 |
| Total domestic deposits to total assets | 69.9988% | 5,280 |
| Equity capital to assets | 26.8504% | 94 |
| Core capital (leverage) ratio | 27.2757% | 88 |
| Tier 1 risk-based capital ratio | 48.7422% | 143 |
| Total risk-based capital ratio | 50.0007% | 142 |
| Memoranda: | ||
| Average total assets | $130,252,330 | 3,705 |
| Average earning assets | $123,841,330 | 3,648 |
| Average equity | $35,305,670 | 2,079 |
| Average total loans | $65,892,670 | 4,019 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,319 |
| Cost of funding earning assets | 0.2696% | 4,581 |
| Net interest margin | 4.0906% | 1,466 |
| Noninterest income to average assets | 0.5992% | 2,263 |
| Noninterest expense to average assets | 2.7228% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4157% | 1,306 |
| Return on assets (ROA) | 1.4157% | 1,314 |
| Pretax return on assets | 1.7386% | 1,026 |
| Return on Equity (ROE) | 5.1977% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.1977% | 3,079 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0299% | 3,938 |
| Assets per employee ($millions) | 3.3035% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 344 |
| Loan loss allowance to noncurrent loans | 257.8397% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 3,103 |
| Noncurrent loans to loans | 0.8761% | 2,071 |
| Net loans and leases to total assets | 48.4626% | 4,663 |
| Net loans and leases to deposits | 69.1197% | 3,862 |
| Net loans and leases to core deposits | 76.6638% | 3,608 |
| Total domestic deposits to total assets | 70.1140% | 5,359 |
| Equity capital to assets | 26.7067% | 88 |
| Core capital (leverage) ratio | 27.6281% | 81 |
| Tier 1 risk-based capital ratio | 48.9131% | 140 |
| Total risk-based capital ratio | 50.1718% | 139 |
| Memoranda: | ||
| Average total assets | $128,839,500 | 3,764 |
| Average earning assets | $121,644,000 | 3,722 |
| Average equity | $35,092,500 | 2,095 |
| Average total loans | $65,701,500 | 4,065 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,365 |
| Cost of funding earning assets | 0.2871% | 4,256 |
| Net interest margin | 4.0022% | 1,750 |
| Noninterest income to average assets | 0.6346% | 2,275 |
| Noninterest expense to average assets | 2.7268% | 3,039 |
| Loan and lease loss provision to assets | 0.1155% | 1,966 |
| Net operating income to assets | 1.0181% | 2,164 |
| Return on assets (ROA) | 1.0176% | 2,201 |
| Pretax return on assets | 1.5968% | 1,297 |
| Return on Equity (ROE) | 3.6907% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.8482% | 4,210 |
| Net charge-offs to loans | 0.2203% | 1,177 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 14.8288% | 2,294 |
| Efficiency ratio | 61.4151% | 4,031 |
| Assets per employee ($millions) | 3.3037% | 4,932 |
| Cash dividends to net income (ytd only)* | 49.9222% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2463% | 341 |
| Loan loss allowance to noncurrent loans | 223.2278% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 2,792 |
| Noncurrent loans to loans | 1.0063% | 1,764 |
| Net loans and leases to total assets | 51.3024% | 4,571 |
| Net loans and leases to deposits | 74.4429% | 3,485 |
| Net loans and leases to core deposits | 82.9576% | 3,155 |
| Total domestic deposits to total assets | 68.9151% | 5,442 |
| Equity capital to assets | 27.7959% | 75 |
| Core capital (leverage) ratio | 27.4427% | 80 |
| Tier 1 risk-based capital ratio | 47.8558% | 132 |
| Total risk-based capital ratio | 49.1143% | 130 |
| Memoranda: | ||
| Average total assets | $126,376,600 | 3,800 |
| Average earning assets | $120,159,000 | 3,744 |
| Average equity | $34,844,200 | 2,092 |
| Average total loans | $66,266,200 | 4,045 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 2,522 |
| Cost of funding earning assets | 0.2852% | 4,266 |
| Net interest margin | 3.9440% | 1,879 |
| Noninterest income to average assets | 0.6351% | 2,284 |
| Noninterest expense to average assets | 2.7375% | 2,933 |
| Loan and lease loss provision to assets | 0.0748% | 2,577 |
| Net operating income to assets | 1.1147% | 2,021 |
| Return on assets (ROA) | 1.1154% | 2,081 |
| Pretax return on assets | 1.5957% | 1,441 |
| Return on Equity (ROE) | 4.0537% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.0537% | 3,507 |
| Net charge-offs to loans | 0.2230% | 972 |
| Credit loss provision to net charge-offs | 63.9640% | 2,757 |
| Earnings coverage of net charge-offs (x) | 14.2789% | 2,297 |
| Efficiency ratio | 62.1176% | 3,863 |
| Assets per employee ($millions) | 3.3749% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 426 |
| Loan loss allowance to noncurrent loans | 275.8621% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 3,352 |
| Noncurrent loans to loans | 0.7885% | 2,390 |
| Net loans and leases to total assets | 51.8635% | 4,578 |
| Net loans and leases to deposits | 75.7734% | 3,395 |
| Net loans and leases to core deposits | 83.7747% | 3,145 |
| Total domestic deposits to total assets | 68.4456% | 5,523 |
| Equity capital to assets | 28.3223% | 70 |
| Core capital (leverage) ratio | 28.3636% | 69 |
| Tier 1 risk-based capital ratio | 48.5470% | 136 |
| Total risk-based capital ratio | 49.8059% | 133 |
| Memoranda: | ||
| Average total assets | $126,585,750 | 3,837 |
| Average earning assets | $121,060,000 | 3,767 |
| Average equity | $34,831,500 | 2,095 |
| Average total loans | $66,361,500 | 4,075 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 2,413 |
| Cost of funding earning assets | 0.2809% | 4,277 |
| Net interest margin | 3.9343% | 1,830 |
| Noninterest income to average assets | 0.6307% | 2,312 |
| Noninterest expense to average assets | 2.7478% | 2,935 |
| Loan and lease loss provision to assets | 0.0582% | 2,809 |
| Net operating income to assets | 1.1104% | 1,926 |
| Return on assets (ROA) | 1.1104% | 1,975 |
| Pretax return on assets | 1.5917% | 1,372 |
| Return on Equity (ROE) | 4.0746% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.0746% | 3,281 |
| Net charge-offs to loans | 0.2018% | 1,001 |
| Credit loss provision to net charge-offs | 55.2239% | 2,505 |
| Earnings coverage of net charge-offs (x) | 15.6567% | 2,015 |
| Efficiency ratio | 62.4821% | 3,910 |
| Assets per employee ($millions) | 3.2653% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2032% | 436 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 3,284 |
| Noncurrent loans to loans | 0.8357% | 2,315 |
| Net loans and leases to total assets | 51.8730% | 4,582 |
| Net loans and leases to deposits | 75.6689% | 3,380 |
| Net loans and leases to core deposits | 83.9691% | 3,073 |
| Total domestic deposits to total assets | 68.5525% | 5,581 |
| Equity capital to assets | 28.2157% | 65 |
| Core capital (leverage) ratio | 27.3474% | 71 |
| Tier 1 risk-based capital ratio | 48.3948% | 133 |
| Total risk-based capital ratio | 49.6527% | 133 |
| Memoranda: | ||
| Average total assets | $127,157,670 | 3,851 |
| Average earning assets | $121,749,330 | 3,772 |
| Average equity | $34,653,330 | 2,096 |
| Average total loans | $66,414,670 | 4,093 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 2,396 |
| Cost of funding earning assets | 0.2795% | 4,263 |
| Net interest margin | 3.8872% | 1,829 |
| Noninterest income to average assets | 0.5968% | 2,434 |
| Noninterest expense to average assets | 2.7196% | 3,070 |
| Loan and lease loss provision to assets | 0.0653% | 2,496 |
| Net operating income to assets | 1.0599% | 2,030 |
| Return on assets (ROA) | 1.0599% | 2,071 |
| Pretax return on assets | 1.5292% | 1,445 |
| Return on Equity (ROE) | 3.9565% | 4,798 |
| Retained earnings to average equity (ytd only) | 3.9565% | 3,470 |
| Net charge-offs to loans | 0.2458% | 728 |
| Credit loss provision to net charge-offs | 51.2195% | 1,973 |
| Earnings coverage of net charge-offs (x) | 12.5122% | 1,838 |
| Efficiency ratio | 63.0403% | 3,982 |
| Assets per employee ($millions) | 3.3394% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 467 |
| Loan loss allowance to noncurrent loans | 417.1429% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 4,024 |
| Noncurrent loans to loans | 0.5305% | 3,221 |
| Net loans and leases to total assets | 49.5393% | 4,713 |
| Net loans and leases to deposits | 70.6505% | 3,731 |
| Net loans and leases to core deposits | 77.6942% | 3,499 |
| Total domestic deposits to total assets | 70.1189% | 5,627 |
| Equity capital to assets | 26.6063% | 85 |
| Core capital (leverage) ratio | 26.8769% | 81 |
| Tier 1 risk-based capital ratio | 50.7114% | 122 |
| Total risk-based capital ratio | 51.9718% | 121 |
| Memoranda: | ||
| Average total assets | $128,696,500 | 3,866 |
| Average earning assets | $123,069,500 | 3,791 |
| Average equity | $34,475,000 | 2,114 |
| Average total loans | $66,715,000 | 4,119 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 2,526 |
| Cost of funding earning assets | 0.2919% | 4,153 |
| Net interest margin | 3.8964% | 1,979 |
| Noninterest income to average assets | 0.6463% | 2,435 |
| Noninterest expense to average assets | 2.7221% | 3,272 |
| Loan and lease loss provision to assets | 0.1028% | 2,329 |
| Net operating income to assets | 1.1562% | 1,669 |
| Return on assets (ROA) | 1.1550% | 1,771 |
| Pretax return on assets | 1.5447% | 1,450 |
| Return on Equity (ROE) | 4.3793% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.5209% | 4,082 |
| Net charge-offs to loans | 0.3789% | 714 |
| Credit loss provision to net charge-offs | 52.5692% | 3,347 |
| Earnings coverage of net charge-offs (x) | 8.4308% | 2,870 |
| Efficiency ratio | 62.2745% | 4,206 |
| Assets per employee ($millions) | 3.1789% | 5,178 |
| Cash dividends to net income (ytd only)* | 42.4364% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1942% | 473 |
| Loan loss allowance to noncurrent loans | 424.0688% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 4,119 |
| Noncurrent loans to loans | 0.5174% | 3,298 |
| Net loans and leases to total assets | 51.8823% | 4,620 |
| Net loans and leases to deposits | 74.5286% | 3,463 |
| Net loans and leases to core deposits | 82.9044% | 3,135 |
| Total domestic deposits to total assets | 69.6139% | 5,678 |
| Equity capital to assets | 26.9737% | 82 |
| Core capital (leverage) ratio | 26.4111% | 85 |
| Tier 1 risk-based capital ratio | 49.2521% | 139 |
| Total risk-based capital ratio | 50.5127% | 139 |
| Memoranda: | ||
| Average total assets | $129,349,600 | 3,843 |
| Average earning assets | $123,653,400 | 3,755 |
| Average equity | $34,115,200 | 2,127 |
| Average total loans | $66,766,400 | 4,125 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 2,646 |
| Cost of funding earning assets | 0.2912% | 4,198 |
| Net interest margin | 3.8679% | 2,090 |
| Noninterest income to average assets | 0.6559% | 2,385 |
| Noninterest expense to average assets | 2.7262% | 3,276 |
| Loan and lease loss provision to assets | 0.1119% | 2,059 |
| Net operating income to assets | 1.1514% | 1,803 |
| Return on assets (ROA) | 1.1506% | 1,905 |
| Pretax return on assets | 1.5119% | 1,676 |
| Return on Equity (ROE) | 4.3870% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.3870% | 3,215 |
| Net charge-offs to loans | 0.4184% | 514 |
| Credit loss provision to net charge-offs | 52.1531% | 3,004 |
| Earnings coverage of net charge-offs (x) | 7.5741% | 2,866 |
| Efficiency ratio | 62.6563% | 4,116 |
| Assets per employee ($millions) | 3.2248% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 511 |
| Loan loss allowance to noncurrent loans | 232.9193% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 3,398 |
| Noncurrent loans to loans | 0.9476% | 2,349 |
| Net loans and leases to total assets | 51.5206% | 4,688 |
| Net loans and leases to deposits | 73.8742% | 3,610 |
| Net loans and leases to core deposits | 82.0601% | 3,279 |
| Total domestic deposits to total assets | 69.7410% | 5,713 |
| Equity capital to assets | 26.8658% | 82 |
| Core capital (leverage) ratio | 26.6551% | 82 |
| Tier 1 risk-based capital ratio | 48.8819% | 141 |
| Total risk-based capital ratio | 50.1420% | 142 |
| Memoranda: | ||
| Average total assets | $129,897,750 | 3,855 |
| Average earning assets | $124,095,250 | 3,775 |
| Average equity | $34,069,250 | 2,144 |
| Average total loans | $66,595,000 | 4,153 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 2,673 |
| Cost of funding earning assets | 0.2899% | 4,249 |
| Net interest margin | 3.8603% | 2,108 |
| Noninterest income to average assets | 0.6713% | 2,268 |
| Noninterest expense to average assets | 2.7297% | 3,273 |
| Loan and lease loss provision to assets | 0.1183% | 1,927 |
| Net operating income to assets | 1.1609% | 1,734 |
| Return on assets (ROA) | 1.1598% | 1,844 |
| Pretax return on assets | 1.5038% | 1,660 |
| Return on Equity (ROE) | 4.4577% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.4577% | 3,078 |
| Net charge-offs to loans | 0.4596% | 487 |
| Credit loss provision to net charge-offs | 50.6579% | 2,662 |
| Earnings coverage of net charge-offs (x) | 6.9539% | 2,686 |
| Efficiency ratio | 62.7029% | 4,230 |
| Assets per employee ($millions) | 3.1346% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2858% | 483 |
| Loan loss allowance to noncurrent loans | 337.3894% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,711 |
| Noncurrent loans to loans | 0.6775% | 3,039 |
| Net loans and leases to total assets | 50.7256% | 4,794 |
| Net loans and leases to deposits | 72.6543% | 3,732 |
| Net loans and leases to core deposits | 80.6952% | 3,391 |
| Total domestic deposits to total assets | 69.8177% | 5,791 |
| Equity capital to assets | 26.7027% | 77 |
| Core capital (leverage) ratio | 26.0342% | 83 |
| Tier 1 risk-based capital ratio | 45.5665% | 170 |
| Total risk-based capital ratio | 46.8256% | 168 |
| Memoranda: | ||
| Average total assets | $130,199,330 | 3,880 |
| Average earning assets | $124,188,000 | 3,796 |
| Average equity | $33,874,000 | 2,158 |
| Average total loans | $66,140,670 | 4,191 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 2,911 |
| Cost of funding earning assets | 0.2908% | 4,271 |
| Net interest margin | 3.7927% | 2,314 |
| Noninterest income to average assets | 0.6899% | 2,090 |
| Noninterest expense to average assets | 2.7076% | 3,386 |
| Loan and lease loss provision to assets | 0.1099% | 1,893 |
| Net operating income to assets | 1.1691% | 1,648 |
| Return on assets (ROA) | 1.1691% | 1,755 |
| Pretax return on assets | 1.4957% | 1,610 |
| Return on Equity (ROE) | 4.5525% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.5525% | 3,205 |
| Net charge-offs to loans | 0.4616% | 485 |
| Credit loss provision to net charge-offs | 47.3684% | 2,073 |
| Earnings coverage of net charge-offs (x) | 6.9211% | 2,196 |
| Efficiency ratio | 62.7742% | 4,332 |
| Assets per employee ($millions) | 3.3099% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3768% | 459 |
| Loan loss allowance to noncurrent loans | 329.8097% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,869 |
| Noncurrent loans to loans | 0.7207% | 3,037 |
| Net loans and leases to total assets | 48.3965% | 4,938 |
| Net loans and leases to deposits | 68.3354% | 4,025 |
| Net loans and leases to core deposits | 75.5242% | 3,727 |
| Total domestic deposits to total assets | 70.8219% | 5,834 |
| Equity capital to assets | 25.5910% | 88 |
| Core capital (leverage) ratio | 25.7144% | 84 |
| Tier 1 risk-based capital ratio | 45.9459% | 166 |
| Total risk-based capital ratio | 47.2064% | 159 |
| Memoranda: | ||
| Average total assets | $131,039,500 | 3,895 |
| Average earning assets | $125,189,500 | 3,802 |
| Average equity | $33,652,000 | 2,171 |
| Average total loans | $65,852,500 | 4,224 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 2,390 |
| Cost of funding earning assets | 0.3235% | 3,984 |
| Net interest margin | 3.9261% | 1,943 |
| Noninterest income to average assets | 0.6088% | 2,677 |
| Noninterest expense to average assets | 2.6623% | 3,723 |
| Loan and lease loss provision to assets | 0.1504% | 1,567 |
| Net operating income to assets | 1.1582% | 1,707 |
| Return on assets (ROA) | 1.1570% | 1,783 |
| Pretax return on assets | 1.5308% | 1,460 |
| Return on Equity (ROE) | 4.4996% | 4,745 |
| Retained earnings to average equity (ytd only) | 2.6238% | 4,203 |
| Net charge-offs to loans | 0.2989% | 1,008 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 11.1856% | 2,609 |
| Efficiency ratio | 61.2707% | 4,719 |
| Assets per employee ($millions) | 3.4128% | 4,963 |
| Cash dividends to net income (ytd only)* | 41.6890% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4216% | 441 |
| Loan loss allowance to noncurrent loans | 220.6897% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 3,043 |
| Noncurrent loans to loans | 1.0973% | 2,145 |
| Net loans and leases to total assets | 49.7135% | 4,898 |
| Net loans and leases to deposits | 70.5094% | 3,865 |
| Net loans and leases to core deposits | 76.9748% | 3,667 |
| Total domestic deposits to total assets | 70.5062% | 5,871 |
| Equity capital to assets | 25.7724% | 81 |
| Core capital (leverage) ratio | 25.7182% | 82 |
| Tier 1 risk-based capital ratio | 44.9096% | 170 |
| Total risk-based capital ratio | 46.1705% | 167 |
| Memoranda: | ||
| Average total assets | $128,950,000 | 3,907 |
| Average earning assets | $122,718,200 | 3,823 |
| Average equity | $33,158,400 | 2,136 |
| Average total loans | $64,909,800 | 4,231 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 2,332 |
| Cost of funding earning assets | 0.3343% | 3,930 |
| Net interest margin | 3.9362% | 1,912 |
| Noninterest income to average assets | 0.5892% | 2,808 |
| Noninterest expense to average assets | 2.6311% | 3,767 |
| Loan and lease loss provision to assets | 0.1377% | 1,620 |
| Net operating income to assets | 1.1169% | 1,936 |
| Return on assets (ROA) | 1.1162% | 2,014 |
| Pretax return on assets | 1.5625% | 1,498 |
| Return on Equity (ROE) | 4.3433% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.3433% | 3,381 |
| Net charge-offs to loans | 0.1712% | 1,450 |
| Credit loss provision to net charge-offs | 160.2410% | 1,599 |
| Earnings coverage of net charge-offs (x) | 19.7959% | 1,914 |
| Efficiency ratio | 60.7314% | 4,785 |
| Assets per employee ($millions) | 3.2221% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5229% | 420 |
| Loan loss allowance to noncurrent loans | 209.1255% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 3,373 |
| Noncurrent loans to loans | 1.2064% | 2,120 |
| Net loans and leases to total assets | 49.4627% | 4,971 |
| Net loans and leases to deposits | 70.6724% | 3,911 |
| Net loans and leases to core deposits | 77.5906% | 3,642 |
| Total domestic deposits to total assets | 69.9887% | 5,973 |
| Equity capital to assets | 26.1520% | 83 |
| Core capital (leverage) ratio | 25.5104% | 84 |
| Tier 1 risk-based capital ratio | 45.7222% | 173 |
| Total risk-based capital ratio | 46.9843% | 169 |
| Memoranda: | ||
| Average total assets | $128,766,250 | 3,953 |
| Average earning assets | $122,449,500 | 3,874 |
| Average equity | $33,092,250 | 2,156 |
| Average total loans | $64,619,500 | 4,288 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 2,309 |
| Cost of funding earning assets | 0.3426% | 3,894 |
| Net interest margin | 3.9215% | 1,901 |
| Noninterest income to average assets | 0.5500% | 3,044 |
| Noninterest expense to average assets | 2.6335% | 3,803 |
| Loan and lease loss provision to assets | 0.1103% | 1,990 |
| Net operating income to assets | 1.1042% | 1,938 |
| Return on assets (ROA) | 1.1031% | 2,030 |
| Pretax return on assets | 1.5397% | 1,528 |
| Return on Equity (ROE) | 4.3177% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.3177% | 3,279 |
| Net charge-offs to loans | 0.1274% | 1,739 |
| Credit loss provision to net charge-offs | 173.1707% | 1,387 |
| Earnings coverage of net charge-offs (x) | 25.9268% | 1,505 |
| Efficiency ratio | 61.4576% | 4,759 |
| Assets per employee ($millions) | 3.3325% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5383% | 467 |
| Loan loss allowance to noncurrent loans | 209.2426% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 3,551 |
| Noncurrent loans to loans | 1.2131% | 2,227 |
| Net loans and leases to total assets | 48.1549% | 5,092 |
| Net loans and leases to deposits | 68.1401% | 4,126 |
| Net loans and leases to core deposits | 77.0707% | 3,657 |
| Total domestic deposits to total assets | 70.6705% | 6,010 |
| Equity capital to assets | 25.6040% | 86 |
| Core capital (leverage) ratio | 25.4353% | 89 |
| Tier 1 risk-based capital ratio | 46.0552% | 183 |
| Total risk-based capital ratio | 47.3171% | 182 |
| Memoranda: | ||
| Average total assets | $128,726,670 | 3,987 |
| Average earning assets | $122,606,000 | 3,899 |
| Average equity | $32,887,670 | 2,178 |
| Average total loans | $64,359,330 | 4,328 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,192 |
| Cost of funding earning assets | 0.3509% | 3,852 |
| Net interest margin | 3.9189% | 1,824 |
| Noninterest income to average assets | 0.5808% | 2,766 |
| Noninterest expense to average assets | 2.6384% | 3,791 |
| Loan and lease loss provision to assets | 0.1530% | 1,333 |
| Net operating income to assets | 1.0835% | 1,927 |
| Return on assets (ROA) | 1.0835% | 2,040 |
| Pretax return on assets | 1.5206% | 1,494 |
| Return on Equity (ROE) | 4.2456% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.2456% | 3,469 |
| Net charge-offs to loans | 0.3663% | 670 |
| Credit loss provision to net charge-offs | 83.0508% | 1,802 |
| Earnings coverage of net charge-offs (x) | 9.0847% | 2,032 |
| Efficiency ratio | 61.1875% | 4,932 |
| Assets per employee ($millions) | 3.3025% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4770% | 547 |
| Loan loss allowance to noncurrent loans | 173.7705% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 3,094 |
| Noncurrent loans to loans | 1.4255% | 2,009 |
| Net loans and leases to total assets | 48.6040% | 4,973 |
| Net loans and leases to deposits | 68.8548% | 3,874 |
| Net loans and leases to core deposits | 77.0870% | 3,479 |
| Total domestic deposits to total assets | 70.5891% | 6,102 |
| Equity capital to assets | 25.5815% | 90 |
| Core capital (leverage) ratio | 25.1890% | 89 |
| Tier 1 risk-based capital ratio | 45.1919% | 193 |
| Total risk-based capital ratio | 46.4520% | 189 |
| Memoranda: | ||
| Average total assets | $128,106,000 | 4,026 |
| Average earning assets | $121,971,500 | 3,937 |
| Average equity | $32,693,000 | 2,198 |
| Average total loans | $64,431,000 | 4,351 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 2,461 |
| Cost of funding earning assets | 0.4834% | 2,843 |
| Net interest margin | 3.8571% | 2,407 |
| Noninterest income to average assets | 0.6701% | 2,449 |
| Noninterest expense to average assets | 2.5610% | 4,356 |
| Loan and lease loss provision to assets | 0.2346% | 1,025 |
| Net operating income to assets | 1.1599% | 1,720 |
| Return on assets (ROA) | 1.1616% | 1,787 |
| Pretax return on assets | 1.5235% | 1,460 |
| Return on Equity (ROE) | 4.7488% | 4,784 |
| Retained earnings to average equity (ytd only) | 2.8274% | 4,229 |
| Net charge-offs to loans | 0.4657% | 898 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 7.4837% | 3,026 |
| Efficiency ratio | 59.3250% | 5,304 |
| Assets per employee ($millions) | 3.2671% | 5,319 |
| Cash dividends to net income (ytd only)* | 40.4620% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4740% | 570 |
| Loan loss allowance to noncurrent loans | 202.2756% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 3,474 |
| Noncurrent loans to loans | 1.2231% | 2,403 |
| Net loans and leases to total assets | 49.5008% | 5,018 |
| Net loans and leases to deposits | 70.1119% | 3,897 |
| Net loans and leases to core deposits | 79.3628% | 3,370 |
| Total domestic deposits to total assets | 70.6026% | 6,170 |
| Equity capital to assets | 25.4583% | 93 |
| Core capital (leverage) ratio | 25.0676% | 89 |
| Tier 1 risk-based capital ratio | 47.7383% | 149 |
| Total risk-based capital ratio | 49.0016% | 150 |
| Memoranda: | ||
| Average total assets | $130,419,400 | 3,964 |
| Average earning assets | $123,303,600 | 3,896 |
| Average equity | $31,902,600 | 2,170 |
| Average total loans | $65,710,200 | 4,310 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,479 |
| Cost of funding earning assets | 0.5175% | 2,584 |
| Net interest margin | 3.8174% | 2,551 |
| Noninterest income to average assets | 0.6668% | 2,492 |
| Noninterest expense to average assets | 2.5645% | 4,306 |
| Loan and lease loss provision to assets | 0.2155% | 1,064 |
| Net operating income to assets | 1.0772% | 2,124 |
| Return on assets (ROA) | 1.0764% | 2,195 |
| Pretax return on assets | 1.4922% | 1,667 |
| Return on Equity (ROE) | 4.4445% | 4,991 |
| Retained earnings to average equity (ytd only) | 4.4445% | 3,488 |
| Net charge-offs to loans | 0.4891% | 796 |
| Credit loss provision to net charge-offs | 87.6033% | 2,473 |
| Earnings coverage of net charge-offs (x) | 6.9463% | 2,999 |
| Efficiency ratio | 60.0143% | 5,176 |
| Assets per employee ($millions) | 3.3321% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3969% | 740 |
| Loan loss allowance to noncurrent loans | 174.2508% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7703% | 3,512 |
| Noncurrent loans to loans | 1.3756% | 2,358 |
| Net loans and leases to total assets | 49.1959% | 5,093 |
| Net loans and leases to deposits | 69.2974% | 3,993 |
| Net loans and leases to core deposits | 79.1588% | 3,418 |
| Total domestic deposits to total assets | 70.9924% | 6,232 |
| Equity capital to assets | 25.0046% | 96 |
| Core capital (leverage) ratio | 24.6851% | 90 |
| Tier 1 risk-based capital ratio | 46.6321% | 159 |
| Total risk-based capital ratio | 47.8945% | 157 |
| Memoranda: | ||
| Average total assets | $131,170,250 | 3,982 |
| Average earning assets | $123,919,750 | 3,915 |
| Average equity | $31,768,750 | 2,188 |
| Average total loans | $65,969,750 | 4,332 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,471 |
| Cost of funding earning assets | 0.5648% | 2,210 |
| Net interest margin | 3.7655% | 2,689 |
| Noninterest income to average assets | 0.6491% | 2,551 |
| Noninterest expense to average assets | 2.5734% | 4,340 |
| Loan and lease loss provision to assets | 0.1885% | 1,290 |
| Net operating income to assets | 1.0438% | 2,146 |
| Return on assets (ROA) | 1.0427% | 2,212 |
| Pretax return on assets | 1.4425% | 1,743 |
| Return on Equity (ROE) | 4.3518% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.3518% | 3,406 |
| Net charge-offs to loans | 0.4960% | 815 |
| Credit loss provision to net charge-offs | 75.6098% | 2,382 |
| Earnings coverage of net charge-offs (x) | 6.5488% | 2,755 |
| Efficiency ratio | 61.1854% | 5,118 |
| Assets per employee ($millions) | 3.1447% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3615% | 845 |
| Loan loss allowance to noncurrent loans | 161.1570% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 3,672 |
| Noncurrent loans to loans | 1.4653% | 2,365 |
| Net loans and leases to total assets | 48.8348% | 5,101 |
| Net loans and leases to deposits | 67.9298% | 4,062 |
| Net loans and leases to core deposits | 82.4724% | 2,915 |
| Total domestic deposits to total assets | 71.8901% | 6,258 |
| Equity capital to assets | 24.2985% | 106 |
| Core capital (leverage) ratio | 24.0821% | 97 |
| Tier 1 risk-based capital ratio | 45.2621% | 174 |
| Total risk-based capital ratio | 46.5238% | 172 |
| Memoranda: | ||
| Average total assets | $131,576,330 | 4,001 |
| Average earning assets | $124,285,000 | 3,928 |
| Average equity | $31,527,000 | 2,189 |
| Average total loans | $66,126,000 | 4,347 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 2,300 |
| Cost of funding earning assets | 0.5673% | 2,266 |
| Net interest margin | 3.7908% | 2,508 |
| Noninterest income to average assets | 0.6518% | 2,450 |
| Noninterest expense to average assets | 2.6316% | 4,174 |
| Loan and lease loss provision to assets | 0.1523% | 1,590 |
| Net operating income to assets | 1.0417% | 2,035 |
| Return on assets (ROA) | 1.0417% | 2,110 |
| Pretax return on assets | 1.4498% | 1,588 |
| Return on Equity (ROE) | 4.3784% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.3784% | 3,497 |
| Net charge-offs to loans | 0.3628% | 991 |
| Credit loss provision to net charge-offs | 83.3333% | 1,862 |
| Earnings coverage of net charge-offs (x) | 8.7667% | 1,989 |
| Efficiency ratio | 62.1583% | 5,098 |
| Assets per employee ($millions) | 3.0990% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4160% | 895 |
| Loan loss allowance to noncurrent loans | 186.8390% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 4,050 |
| Noncurrent loans to loans | 1.2931% | 2,870 |
| Net loans and leases to total assets | 48.1937% | 5,099 |
| Net loans and leases to deposits | 66.4140% | 4,041 |
| Net loans and leases to core deposits | 80.3576% | 2,928 |
| Total domestic deposits to total assets | 72.5656% | 6,331 |
| Equity capital to assets | 23.6642% | 116 |
| Core capital (leverage) ratio | 24.1792% | 102 |
| Tier 1 risk-based capital ratio | 44.9687% | 174 |
| Total risk-based capital ratio | 46.2314% | 173 |
| Memoranda: | ||
| Average total assets | $131,325,500 | 4,045 |
| Average earning assets | $124,089,000 | 3,962 |
| Average equity | $31,244,000 | 2,198 |
| Average total loans | $66,159,000 | 4,385 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 2,515 |
| Cost of funding earning assets | 0.6021% | 2,636 |
| Net interest margin | 3.8173% | 2,587 |
| Noninterest income to average assets | 0.6662% | 2,728 |
| Noninterest expense to average assets | 2.4910% | 4,787 |
| Loan and lease loss provision to assets | 0.2897% | 1,179 |
| Net operating income to assets | 1.2109% | 1,522 |
| Return on assets (ROA) | 1.2103% | 1,599 |
| Pretax return on assets | 1.5150% | 1,395 |
| Return on Equity (ROE) | 5.2147% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.2637% | 3,907 |
| Net charge-offs to loans | 0.5870% | 1,125 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.2326% | 3,102 |
| Efficiency ratio | 57.9791% | 5,740 |
| Assets per employee ($millions) | 3.0808% | 5,708 |
| Cash dividends to net income (ytd only)* | 37.4150% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4058% | 923 |
| Loan loss allowance to noncurrent loans | 233.5766% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 4,323 |
| Noncurrent loans to loans | 1.0300% | 3,455 |
| Net loans and leases to total assets | 50.1619% | 5,065 |
| Net loans and leases to deposits | 69.3888% | 3,858 |
| Net loans and leases to core deposits | 84.5396% | 2,613 |
| Total domestic deposits to total assets | 72.2910% | 6,406 |
| Equity capital to assets | 23.9221% | 112 |
| Core capital (leverage) ratio | 24.1028% | 100 |
| Tier 1 risk-based capital ratio | 44.0071% | 179 |
| Total risk-based capital ratio | 45.2687% | 178 |
| Memoranda: | ||
| Average total assets | $133,601,600 | 4,007 |
| Average earning assets | $127,052,400 | 3,903 |
| Average equity | $31,008,200 | 2,195 |
| Average total loans | $65,933,800 | 4,413 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 2,675 |
| Cost of funding earning assets | 0.6056% | 2,767 |
| Net interest margin | 3.7694% | 2,756 |
| Noninterest income to average assets | 0.6535% | 2,867 |
| Noninterest expense to average assets | 2.4596% | 4,844 |
| Loan and lease loss provision to assets | 0.3099% | 1,089 |
| Net operating income to assets | 1.2108% | 1,595 |
| Return on assets (ROA) | 1.2100% | 1,673 |
| Pretax return on assets | 1.4763% | 1,683 |
| Return on Equity (ROE) | 5.2521% | 4,595 |
| Retained earnings to average equity (ytd only) | 5.2521% | 2,901 |
| Net charge-offs to loans | 0.6546% | 935 |
| Credit loss provision to net charge-offs | 96.9040% | 2,469 |
| Earnings coverage of net charge-offs (x) | 5.5882% | 3,152 |
| Efficiency ratio | 57.9156% | 5,699 |
| Assets per employee ($millions) | 3.1780% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3633% | 1,090 |
| Loan loss allowance to noncurrent loans | 220.2216% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 4,327 |
| Noncurrent loans to loans | 1.0731% | 3,651 |
| Net loans and leases to total assets | 50.4148% | 5,092 |
| Net loans and leases to deposits | 69.8867% | 3,804 |
| Net loans and leases to core deposits | 85.0819% | 2,535 |
| Total domestic deposits to total assets | 72.1379% | 6,481 |
| Equity capital to assets | 24.0309% | 106 |
| Core capital (leverage) ratio | 23.9538% | 102 |
| Tier 1 risk-based capital ratio | 43.5152% | 194 |
| Total risk-based capital ratio | 44.7763% | 191 |
| Memoranda: | ||
| Average total assets | $134,653,250 | 4,023 |
| Average earning assets | $128,362,500 | 3,915 |
| Average equity | $31,021,750 | 2,212 |
| Average total loans | $65,790,500 | 4,454 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,909 |
| Cost of funding earning assets | 0.6087% | 2,864 |
| Net interest margin | 3.7014% | 2,951 |
| Noninterest income to average assets | 0.6333% | 3,003 |
| Noninterest expense to average assets | 2.4040% | 5,041 |
| Loan and lease loss provision to assets | 0.3321% | 1,032 |
| Net operating income to assets | 1.2285% | 1,519 |
| Return on assets (ROA) | 1.2285% | 1,623 |
| Pretax return on assets | 1.4268% | 1,847 |
| Return on Equity (ROE) | 5.4066% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.4066% | 2,807 |
| Net charge-offs to loans | 0.4472% | 1,462 |
| Credit loss provision to net charge-offs | 154.7945% | 1,491 |
| Earnings coverage of net charge-offs (x) | 8.1986% | 2,443 |
| Efficiency ratio | 57.7480% | 5,773 |
| Assets per employee ($millions) | 3.2756% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5135% | 969 |
| Loan loss allowance to noncurrent loans | 182.6087% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 4,187 |
| Noncurrent loans to loans | 1.3765% | 3,247 |
| Net loans and leases to total assets | 48.5171% | 5,279 |
| Net loans and leases to deposits | 66.1194% | 4,254 |
| Net loans and leases to core deposits | 79.4251% | 3,102 |
| Total domestic deposits to total assets | 73.3781% | 6,481 |
| Equity capital to assets | 23.0612% | 118 |
| Core capital (leverage) ratio | 22.9649% | 111 |
| Tier 1 risk-based capital ratio | 42.5677% | 202 |
| Total risk-based capital ratio | 43.8299% | 201 |
| Memoranda: | ||
| Average total assets | $136,104,670 | 4,022 |
| Average earning assets | $129,788,000 | 3,908 |
| Average equity | $30,925,000 | 2,226 |
| Average total loans | $65,294,000 | 4,488 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 3,033 |
| Cost of funding earning assets | 0.6157% | 2,962 |
| Net interest margin | 3.6513% | 3,070 |
| Noninterest income to average assets | 0.6277% | 2,993 |
| Noninterest expense to average assets | 2.3824% | 5,177 |
| Loan and lease loss provision to assets | 0.4058% | 756 |
| Net operating income to assets | 1.2583% | 1,377 |
| Return on assets (ROA) | 1.2583% | 1,477 |
| Pretax return on assets | 1.3196% | 2,163 |
| Return on Equity (ROE) | 5.5789% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.5789% | 2,912 |
| Net charge-offs to loans | 0.4898% | 1,226 |
| Credit loss provision to net charge-offs | 175.9494% | 1,210 |
| Earnings coverage of net charge-offs (x) | 7.4810% | 2,062 |
| Efficiency ratio | 57.9957% | 5,852 |
| Assets per employee ($millions) | 3.4348% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5895% | 1,021 |
| Loan loss allowance to noncurrent loans | 179.4595% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 4,256 |
| Noncurrent loans to loans | 1.4430% | 3,400 |
| Net loans and leases to total assets | 45.4498% | 5,495 |
| Net loans and leases to deposits | 61.5442% | 4,607 |
| Net loans and leases to core deposits | 73.8231% | 3,602 |
| Total domestic deposits to total assets | 73.8491% | 6,542 |
| Equity capital to assets | 22.6412% | 134 |
| Core capital (leverage) ratio | 22.5674% | 118 |
| Tier 1 risk-based capital ratio | 42.9131% | 197 |
| Total risk-based capital ratio | 44.1759% | 193 |
| Memoranda: | ||
| Average total assets | $137,007,500 | 4,035 |
| Average earning assets | $130,584,500 | 3,928 |
| Average equity | $30,902,000 | 2,248 |
| Average total loans | $64,522,000 | 4,540 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 4,032 |
| Cost of funding earning assets | 0.7158% | 3,361 |
| Net interest margin | 3.6314% | 3,958 |
| Noninterest income to average assets | 0.6184% | 3,176 |
| Noninterest expense to average assets | 2.2407% | 5,832 |
| Loan and lease loss provision to assets | 0.2616% | 2,552 |
| Net operating income to assets | 1.1360% | 1,818 |
| Return on assets (ROA) | 1.1360% | 1,991 |
| Pretax return on assets | 1.5499% | 1,519 |
| Return on Equity (ROE) | 5.3701% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.4134% | 3,824 |
| Net charge-offs to loans | 0.8057% | 1,448 |
| Credit loss provision to net charge-offs | 71.4829% | 4,113 |
| Earnings coverage of net charge-offs (x) | 4.9506% | 3,195 |
| Efficiency ratio | 55.2961% | 6,140 |
| Assets per employee ($millions) | 3.5032% | 4,999 |
| Cash dividends to net income (ytd only)* | 36.4360% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 1,163 |
| Loan loss allowance to noncurrent loans | 163.5992% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 4,293 |
| Noncurrent loans to loans | 1.5060% | 3,344 |
| Net loans and leases to total assets | 46.3608% | 5,580 |
| Net loans and leases to deposits | 61.3171% | 4,862 |
| Net loans and leases to core deposits | 72.8741% | 3,930 |
| Total domestic deposits to total assets | 75.6082% | 6,398 |
| Equity capital to assets | 22.4682% | 143 |
| Core capital (leverage) ratio | 21.8812% | 143 |
| Tier 1 risk-based capital ratio | 41.9213% | 202 |
| Total risk-based capital ratio | 43.1832% | 201 |
| Memoranda: | ||
| Average total assets | $143,752,200 | 3,884 |
| Average earning assets | $135,927,200 | 3,794 |
| Average equity | $30,409,200 | 2,225 |
| Average total loans | $65,284,800 | 4,534 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 4,277 |
| Cost of funding earning assets | 0.7339% | 3,485 |
| Net interest margin | 3.6111% | 4,188 |
| Noninterest income to average assets | 0.6010% | 3,263 |
| Noninterest expense to average assets | 2.1960% | 5,963 |
| Loan and lease loss provision to assets | 0.2492% | 2,571 |
| Net operating income to assets | 1.1443% | 1,931 |
| Return on assets (ROA) | 1.1443% | 2,124 |
| Pretax return on assets | 1.5639% | 1,690 |
| Return on Equity (ROE) | 5.4893% | 4,605 |
| Retained earnings to average equity (ytd only) | 5.4893% | 3,045 |
| Net charge-offs to loans | 0.9321% | 1,162 |
| Credit loss provision to net charge-offs | 59.5186% | 4,153 |
| Earnings coverage of net charge-offs (x) | 4.3304% | 3,334 |
| Efficiency ratio | 54.7761% | 6,165 |
| Assets per employee ($millions) | 3.4730% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3790% | 1,394 |
| Loan loss allowance to noncurrent loans | 203.2468% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 5,026 |
| Noncurrent loans to loans | 1.1705% | 4,110 |
| Net loans and leases to total assets | 45.0998% | 5,860 |
| Net loans and leases to deposits | 59.0836% | 5,309 |
| Net loans and leases to core deposits | 70.0099% | 4,498 |
| Total domestic deposits to total assets | 76.3321% | 6,336 |
| Equity capital to assets | 21.7261% | 180 |
| Core capital (leverage) ratio | 21.6110% | 151 |
| Tier 1 risk-based capital ratio | 41.7766% | 212 |
| Total risk-based capital ratio | 43.0377% | 209 |
| Memoranda: | ||
| Average total assets | $145,534,250 | 3,891 |
| Average earning assets | $137,352,000 | 3,805 |
| Average equity | $30,337,250 | 2,246 |
| Average total loans | $65,371,000 | 4,580 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 4,417 |
| Cost of funding earning assets | 0.7638% | 3,486 |
| Net interest margin | 3.5767% | 4,360 |
| Noninterest income to average assets | 0.5922% | 3,303 |
| Noninterest expense to average assets | 2.1776% | 6,065 |
| Loan and lease loss provision to assets | 0.2333% | 2,737 |
| Net operating income to assets | 1.1475% | 1,887 |
| Return on assets (ROA) | 1.1475% | 2,102 |
| Pretax return on assets | 1.5677% | 1,648 |
| Return on Equity (ROE) | 5.5811% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.5811% | 2,940 |
| Net charge-offs to loans | 1.1068% | 981 |
| Credit loss provision to net charge-offs | 47.3684% | 4,098 |
| Earnings coverage of net charge-offs (x) | 3.6565% | 3,310 |
| Efficiency ratio | 54.7325% | 6,249 |
| Assets per employee ($millions) | 3.3801% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4159% | 1,392 |
| Loan loss allowance to noncurrent loans | 246.0568% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 5,529 |
| Noncurrent loans to loans | 0.9818% | 4,546 |
| Net loans and leases to total assets | 44.3863% | 5,980 |
| Net loans and leases to deposits | 57.9398% | 5,458 |
| Net loans and leases to core deposits | 68.3275% | 4,750 |
| Total domestic deposits to total assets | 76.6076% | 6,387 |
| Equity capital to assets | 21.5159% | 177 |
| Core capital (leverage) ratio | 20.8319% | 171 |
| Tier 1 risk-based capital ratio | 42.0521% | 201 |
| Total risk-based capital ratio | 43.3137% | 198 |
| Memoranda: | ||
| Average total assets | $146,582,000 | 3,891 |
| Average earning assets | $138,787,330 | 3,803 |
| Average equity | $30,137,670 | 2,246 |
| Average total loans | $65,233,670 | 4,598 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 4,850 |
| Cost of funding earning assets | 0.7720% | 3,688 |
| Net interest margin | 3.4979% | 4,711 |
| Noninterest income to average assets | 0.5642% | 3,462 |
| Noninterest expense to average assets | 2.1251% | 6,217 |
| Loan and lease loss provision to assets | 0.1719% | 3,249 |
| Net operating income to assets | 1.1767% | 1,809 |
| Return on assets (ROA) | 1.1767% | 1,994 |
| Pretax return on assets | 1.6146% | 1,524 |
| Return on Equity (ROE) | 5.8529% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.8529% | 3,040 |
| Net charge-offs to loans | 1.4276% | 702 |
| Credit loss provision to net charge-offs | 27.3504% | 3,666 |
| Earnings coverage of net charge-offs (x) | 2.8419% | 3,048 |
| Efficiency ratio | 54.3269% | 6,312 |
| Assets per employee ($millions) | 3.5860% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4244% | 1,466 |
| Loan loss allowance to noncurrent loans | 318.5484% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 5,993 |
| Noncurrent loans to loans | 0.7611% | 5,138 |
| Net loans and leases to total assets | 42.2215% | 6,174 |
| Net loans and leases to deposits | 53.9927% | 5,811 |
| Net loans and leases to core deposits | 62.7830% | 5,249 |
| Total domestic deposits to total assets | 78.1984% | 6,239 |
| Equity capital to assets | 20.0096% | 225 |
| Core capital (leverage) ratio | 20.1640% | 195 |
| Tier 1 risk-based capital ratio | 40.3748% | 224 |
| Total risk-based capital ratio | 41.6358% | 219 |
| Memoranda: | ||
| Average total assets | $148,890,500 | 3,892 |
| Average earning assets | $142,484,000 | 3,773 |
| Average equity | $29,934,000 | 2,267 |
| Average total loans | $65,564,000 | 4,601 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 4,476 |
| Cost of funding earning assets | 0.9359% | 3,833 |
| Net interest margin | 3.7088% | 4,257 |
| Noninterest income to average assets | 0.5707% | 3,358 |
| Noninterest expense to average assets | 2.2404% | 6,185 |
| Loan and lease loss provision to assets | 0.2808% | 3,422 |
| Net operating income to assets | 1.2129% | 1,480 |
| Return on assets (ROA) | 1.2129% | 1,585 |
| Pretax return on assets | 1.5863% | 1,237 |
| Return on Equity (ROE) | 5.8337% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.8540% | 3,470 |
| Net charge-offs to loans | 0.4474% | 3,194 |
| Credit loss provision to net charge-offs | 133.6700% | 2,265 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 2,072 |
| Efficiency ratio | 54.5455% | 6,463 |
| Assets per employee ($millions) | 3.5895% | 4,795 |
| Cash dividends to net income (ytd only)* | 33.9359% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6532% | 1,129 |
| Loan loss allowance to noncurrent loans | 207.3460% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 5,409 |
| Noncurrent loans to loans | 1.2796% | 4,231 |
| Net loans and leases to total assets | 43.6284% | 6,244 |
| Net loans and leases to deposits | 55.9470% | 5,902 |
| Net loans and leases to core deposits | 65.6668% | 5,294 |
| Total domestic deposits to total assets | 77.9816% | 6,198 |
| Equity capital to assets | 20.2021% | 225 |
| Core capital (leverage) ratio | 19.9762% | 204 |
| Tier 1 risk-based capital ratio | 39.4895% | 238 |
| Total risk-based capital ratio | 40.7531% | 234 |
| Memoranda: | ||
| Average total assets | $141,400,200 | 3,949 |
| Average earning assets | $134,841,200 | 3,841 |
| Average equity | $29,398,200 | 2,237 |
| Average total loans | $66,376,600 | 4,618 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 4,320 |
| Cost of funding earning assets | 0.9603% | 3,955 |
| Net interest margin | 3.7702% | 4,016 |
| Noninterest income to average assets | 0.5630% | 3,426 |
| Noninterest expense to average assets | 2.3006% | 6,035 |
| Loan and lease loss provision to assets | 0.2163% | 3,851 |
| Net operating income to assets | 1.2584% | 1,492 |
| Return on assets (ROA) | 1.2584% | 1,598 |
| Pretax return on assets | 1.6328% | 1,296 |
| Return on Equity (ROE) | 6.0082% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.0082% | 2,551 |
| Net charge-offs to loans | 0.2948% | 3,616 |
| Credit loss provision to net charge-offs | 154.4218% | 2,010 |
| Earnings coverage of net charge-offs (x) | 13.2038% | 1,636 |
| Efficiency ratio | 55.4408% | 6,346 |
| Assets per employee ($millions) | 3.6130% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6017% | 1,262 |
| Loan loss allowance to noncurrent loans | 181.3417% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 5,438 |
| Noncurrent loans to loans | 1.4347% | 4,140 |
| Net loans and leases to total assets | 43.7202% | 6,358 |
| Net loans and leases to deposits | 56.1242% | 6,023 |
| Net loans and leases to core deposits | 65.4466% | 5,475 |
| Total domestic deposits to total assets | 77.8989% | 6,210 |
| Equity capital to assets | 20.2170% | 238 |
| Core capital (leverage) ratio | 20.2777% | 206 |
| Tier 1 risk-based capital ratio | 40.2908% | 246 |
| Total risk-based capital ratio | 41.5543% | 240 |
| Memoranda: | ||
| Average total assets | $139,958,250 | 3,996 |
| Average earning assets | $133,145,000 | 3,893 |
| Average equity | $29,315,000 | 2,243 |
| Average total loans | $66,481,500 | 4,650 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 4,003 |
| Cost of funding earning assets | 0.9828% | 4,066 |
| Net interest margin | 3.8377% | 3,601 |
| Noninterest income to average assets | 0.5567% | 3,422 |
| Noninterest expense to average assets | 2.3347% | 6,037 |
| Loan and lease loss provision to assets | 0.2011% | 3,913 |
| Net operating income to assets | 1.3029% | 1,310 |
| Return on assets (ROA) | 1.3029% | 1,388 |
| Pretax return on assets | 1.6745% | 1,102 |
| Return on Equity (ROE) | 6.1435% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.1435% | 2,331 |
| Net charge-offs to loans | 0.3400% | 3,206 |
| Credit loss provision to net charge-offs | 122.1239% | 2,493 |
| Earnings coverage of net charge-offs (x) | 11.3894% | 1,721 |
| Efficiency ratio | 55.4517% | 6,470 |
| Assets per employee ($millions) | 3.4200% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5301% | 1,404 |
| Loan loss allowance to noncurrent loans | 218.9542% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 5,723 |
| Noncurrent loans to loans | 1.1555% | 4,732 |
| Net loans and leases to total assets | 47.1710% | 6,136 |
| Net loans and leases to deposits | 61.7349% | 5,533 |
| Net loans and leases to core deposits | 71.9435% | 4,827 |
| Total domestic deposits to total assets | 76.4090% | 6,534 |
| Equity capital to assets | 21.5990% | 189 |
| Core capital (leverage) ratio | 21.2618% | 179 |
| Tier 1 risk-based capital ratio | 40.8441% | 233 |
| Total risk-based capital ratio | 42.1075% | 227 |
| Memoranda: | ||
| Average total assets | $137,233,330 | 4,076 |
| Average earning assets | $130,651,000 | 3,969 |
| Average equity | $29,104,000 | 2,236 |
| Average total loans | $66,477,330 | 4,703 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 4,064 |
| Cost of funding earning assets | 1.0090% | 4,141 |
| Net interest margin | 3.7899% | 3,665 |
| Noninterest income to average assets | 0.5442% | 3,548 |
| Noninterest expense to average assets | 2.2728% | 6,253 |
| Loan and lease loss provision to assets | 0.1455% | 4,191 |
| Net operating income to assets | 1.3765% | 1,104 |
| Return on assets (ROA) | 1.3765% | 1,154 |
| Pretax return on assets | 1.7548% | 889 |
| Return on Equity (ROE) | 6.5507% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.5507% | 2,351 |
| Net charge-offs to loans | 0.1201% | 3,813 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 32.6500% | 786 |
| Efficiency ratio | 54.4630% | 6,652 |
| Assets per employee ($millions) | 3.5225% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5252% | 1,427 |
| Loan loss allowance to noncurrent loans | 184.8185% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 5,560 |
| Noncurrent loans to loans | 1.3663% | 4,424 |
| Net loans and leases to total assets | 47.2051% | 6,166 |
| Net loans and leases to deposits | 60.2339% | 5,708 |
| Net loans and leases to core deposits | 70.2947% | 5,008 |
| Total domestic deposits to total assets | 78.3697% | 6,324 |
| Equity capital to assets | 21.1855% | 199 |
| Core capital (leverage) ratio | 20.8504% | 190 |
| Tier 1 risk-based capital ratio | 40.1893% | 236 |
| Total risk-based capital ratio | 41.4532% | 229 |
| Memoranda: | ||
| Average total assets | $137,451,000 | 4,111 |
| Average earning assets | $131,612,500 | 3,985 |
| Average equity | $28,882,500 | 2,238 |
| Average total loans | $66,614,000 | 4,748 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 3,793 |
| Cost of funding earning assets | 1.2627% | 4,124 |
| Net interest margin | 3.8995% | 3,493 |
| Noninterest income to average assets | 0.5950% | 3,507 |
| Noninterest expense to average assets | 2.2990% | 6,362 |
| Loan and lease loss provision to assets | 0.3424% | 4,092 |
| Net operating income to assets | 1.2705% | 1,249 |
| Return on assets (ROA) | 1.2705% | 1,311 |
| Pretax return on assets | 1.6688% | 1,002 |
| Return on Equity (ROE) | 6.2549% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.2406% | 2,875 |
| Net charge-offs to loans | 0.7245% | 2,843 |
| Credit loss provision to net charge-offs | 96.9512% | 4,789 |
| Earnings coverage of net charge-offs (x) | 5.6951% | 2,556 |
| Efficiency ratio | 53.3389% | 6,860 |
| Assets per employee ($millions) | 3.3543% | 5,290 |
| Cash dividends to net income (ytd only)* | 32.2034% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4738% | 1,439 |
| Loan loss allowance to noncurrent loans | 170.9845% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 5,541 |
| Noncurrent loans to loans | 1.4468% | 4,313 |
| Net loans and leases to total assets | 47.2998% | 6,449 |
| Net loans and leases to deposits | 60.0809% | 6,049 |
| Net loans and leases to core deposits | 68.8189% | 5,573 |
| Total domestic deposits to total assets | 78.7268% | 6,157 |
| Equity capital to assets | 20.8406% | 215 |
| Core capital (leverage) ratio | 20.5614% | 208 |
| Tier 1 risk-based capital ratio | 38.7993% | 261 |
| Total risk-based capital ratio | 40.0615% | 254 |
| Memoranda: | ||
| Average total assets | $139,319,400 | 4,067 |
| Average earning assets | $132,733,800 | 3,959 |
| Average equity | $28,298,000 | 2,299 |
| Average total loans | $67,906,800 | 4,754 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2399% | 3,632 |
| Cost of funding earning assets | 1.3070% | 4,168 |
| Net interest margin | 3.9330% | 3,390 |
| Noninterest income to average assets | 0.6153% | 3,353 |
| Noninterest expense to average assets | 2.3171% | 6,265 |
| Loan and lease loss provision to assets | 0.3177% | 4,046 |
| Net operating income to assets | 1.2439% | 1,480 |
| Return on assets (ROA) | 1.2439% | 1,561 |
| Pretax return on assets | 1.7209% | 1,072 |
| Return on Equity (ROE) | 6.1637% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.1637% | 2,280 |
| Net charge-offs to loans | 0.7780% | 2,488 |
| Credit loss provision to net charge-offs | 83.6683% | 5,015 |
| Earnings coverage of net charge-offs (x) | 5.3694% | 2,761 |
| Efficiency ratio | 53.1975% | 6,869 |
| Assets per employee ($millions) | 3.4274% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3659% | 1,519 |
| Loan loss allowance to noncurrent loans | 162.2718% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 5,440 |
| Noncurrent loans to loans | 1.4580% | 4,436 |
| Net loans and leases to total assets | 48.1619% | 6,505 |
| Net loans and leases to deposits | 61.4214% | 6,175 |
| Net loans and leases to core deposits | 70.9315% | 5,652 |
| Total domestic deposits to total assets | 78.4122% | 6,167 |
| Equity capital to assets | 21.0305% | 232 |
| Core capital (leverage) ratio | 20.2900% | 236 |
| Tier 1 risk-based capital ratio | 38.6021% | 276 |
| Total risk-based capital ratio | 39.8627% | 271 |
| Memoranda: | ||
| Average total assets | $139,768,000 | 4,111 |
| Average earning assets | $132,924,750 | 4,007 |
| Average equity | $28,207,250 | 2,331 |
| Average total loans | $68,208,750 | 4,820 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2746% | 3,587 |
| Cost of funding earning assets | 1.3325% | 4,312 |
| Net interest margin | 3.9421% | 3,273 |
| Noninterest income to average assets | 0.6143% | 3,231 |
| Noninterest expense to average assets | 2.3120% | 6,322 |
| Loan and lease loss provision to assets | 0.2915% | 4,052 |
| Net operating income to assets | 1.2726% | 1,380 |
| Return on assets (ROA) | 1.2726% | 1,441 |
| Pretax return on assets | 1.7631% | 943 |
| Return on Equity (ROE) | 6.3931% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.3931% | 2,121 |
| Net charge-offs to loans | 0.5702% | 2,832 |
| Credit loss provision to net charge-offs | 105.1282% | 3,876 |
| Earnings coverage of net charge-offs (x) | 7.4103% | 2,301 |
| Efficiency ratio | 52.9469% | 6,985 |
| Assets per employee ($millions) | 3.5270% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 1,372 |
| Loan loss allowance to noncurrent loans | 140.8747% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 5,430 |
| Noncurrent loans to loans | 1.7361% | 4,081 |
| Net loans and leases to total assets | 47.3582% | 6,677 |
| Net loans and leases to deposits | 59.6802% | 6,444 |
| Net loans and leases to core deposits | 68.4493% | 6,024 |
| Total domestic deposits to total assets | 79.3533% | 5,929 |
| Equity capital to assets | 20.1626% | 277 |
| Core capital (leverage) ratio | 19.9007% | 254 |
| Tier 1 risk-based capital ratio | 37.9258% | 283 |
| Total risk-based capital ratio | 39.1878% | 279 |
| Memoranda: | ||
| Average total assets | $140,658,670 | 4,124 |
| Average earning assets | $133,887,000 | 4,023 |
| Average equity | $27,999,000 | 2,335 |
| Average total loans | $68,402,330 | 4,845 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 3,204 |
| Cost of funding earning assets | 1.3552% | 4,450 |
| Net interest margin | 4.0117% | 2,830 |
| Noninterest income to average assets | 0.5440% | 3,693 |
| Noninterest expense to average assets | 2.3097% | 6,349 |
| Loan and lease loss provision to assets | 0.2905% | 3,695 |
| Net operating income to assets | 1.2816% | 1,333 |
| Return on assets (ROA) | 1.2816% | 1,406 |
| Pretax return on assets | 1.7629% | 948 |
| Return on Equity (ROE) | 6.4804% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.4804% | 2,367 |
| Net charge-offs to loans | 0.3043% | 3,200 |
| Credit loss provision to net charge-offs | 196.1538% | 1,889 |
| Earnings coverage of net charge-offs (x) | 13.8654% | 1,466 |
| Efficiency ratio | 52.9373% | 7,059 |
| Assets per employee ($millions) | 3.6237% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5186% | 1,271 |
| Loan loss allowance to noncurrent loans | 141.3850% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 5,238 |
| Noncurrent loans to loans | 1.7814% | 4,080 |
| Net loans and leases to total assets | 46.9683% | 6,753 |
| Net loans and leases to deposits | 58.9435% | 6,558 |
| Net loans and leases to core deposits | 67.2795% | 6,179 |
| Total domestic deposits to total assets | 79.6837% | 5,889 |
| Equity capital to assets | 19.7906% | 299 |
| Core capital (leverage) ratio | 19.5106% | 278 |
| Tier 1 risk-based capital ratio | 37.5149% | 300 |
| Total risk-based capital ratio | 38.7777% | 293 |
| Memoranda: | ||
| Average total assets | $140,449,000 | 4,185 |
| Average earning assets | $133,710,000 | 4,082 |
| Average equity | $27,776,000 | 2,387 |
| Average total loans | $68,360,000 | 4,921 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8382% | 2,492 |
| Cost of funding earning assets | 1.5896% | 5,077 |
| Net interest margin | 4.2486% | 1,901 |
| Noninterest income to average assets | 0.5902% | 3,699 |
| Noninterest expense to average assets | 2.3936% | 6,487 |
| Loan and lease loss provision to assets | 0.3552% | 4,674 |
| Net operating income to assets | 1.4497% | 763 |
| Return on assets (ROA) | 1.4497% | 824 |
| Pretax return on assets | 1.9053% | 501 |
| Return on Equity (ROE) | 7.0050% | 2,783 |
| Retained earnings to average equity (ytd only) | 4.9469% | 1,845 |
| Net charge-offs to loans | 0.5571% | 3,554 |
| Credit loss provision to net charge-offs | 123.8727% | 4,247 |
| Earnings coverage of net charge-offs (x) | 7.8833% | 2,050 |
| Efficiency ratio | 51.4300% | 7,435 |
| Assets per employee ($millions) | 3.5788% | 4,826 |
| Cash dividends to net income (ytd only)* | 29.3809% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4262% | 1,324 |
| Loan loss allowance to noncurrent loans | 127.9785% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 5,209 |
| Noncurrent loans to loans | 1.8958% | 3,810 |
| Net loans and leases to total assets | 47.9763% | 6,815 |
| Net loans and leases to deposits | 60.3794% | 6,607 |
| Net loans and leases to core deposits | 84.1919% | 5,696 |
| Total domestic deposits to total assets | 79.4581% | 5,859 |
| Equity capital to assets | 19.7624% | 316 |
| Core capital (leverage) ratio | 20.4355% | 258 |
| Tier 1 risk-based capital ratio | 36.7157% | 312 |
| Total risk-based capital ratio | 37.9773% | 303 |
| Memoranda: | ||
| Average total assets | $131,473,000 | 4,310 |
| Average earning assets | $125,758,000 | 4,177 |
| Average equity | $27,209,000 | 2,427 |
| Average total loans | $67,672,200 | 4,952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9863% | 2,096 |
| Cost of funding earning assets | 1.6531% | 5,146 |
| Net interest margin | 4.3332% | 1,634 |
| Noninterest income to average assets | 0.5861% | 3,809 |
| Noninterest expense to average assets | 2.4225% | 6,345 |
| Loan and lease loss provision to assets | 0.2410% | 5,036 |
| Net operating income to assets | 1.5738% | 701 |
| Return on assets (ROA) | 1.5738% | 753 |
| Pretax return on assets | 2.0775% | 467 |
| Return on Equity (ROE) | 7.5133% | 2,862 |
| Retained earnings to average equity (ytd only) | 7.5133% | 1,309 |
| Net charge-offs to loans | 0.5714% | 2,965 |
| Credit loss provision to net charge-offs | 80.9689% | 5,737 |
| Earnings coverage of net charge-offs (x) | 7.7890% | 2,348 |
| Efficiency ratio | 51.0971% | 7,478 |
| Assets per employee ($millions) | 3.2522% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,384 |
| Loan loss allowance to noncurrent loans | 131.8300% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9225% | 5,225 |
| Noncurrent loans to loans | 1.6849% | 4,121 |
| Net loans and leases to total assets | 51.4367% | 6,661 |
| Net loans and leases to deposits | 66.2331% | 6,289 |
| Net loans and leases to core deposits | 94.8474% | 4,947 |
| Total domestic deposits to total assets | 77.6602% | 6,179 |
| Equity capital to assets | 21.4112% | 267 |
| Core capital (leverage) ratio | 20.9046% | 264 |
| Tier 1 risk-based capital ratio | 37.9499% | 312 |
| Total risk-based capital ratio | 39.2109% | 306 |
| Memoranda: | ||
| Average total assets | $129,448,000 | 4,382 |
| Average earning assets | $124,125,000 | 4,242 |
| Average equity | $27,115,500 | 2,463 |
| Average total loans | $67,433,500 | 5,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0352% | 2,033 |
| Cost of funding earning assets | 1.7227% | 5,165 |
| Net interest margin | 4.3125% | 1,623 |
| Noninterest income to average assets | 0.5556% | 3,988 |
| Noninterest expense to average assets | 2.4080% | 6,437 |
| Loan and lease loss provision to assets | 0.2089% | 4,951 |
| Net operating income to assets | 1.5646% | 735 |
| Return on assets (ROA) | 1.5646% | 792 |
| Pretax return on assets | 2.0799% | 459 |
| Return on Equity (ROE) | 7.5252% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.5252% | 1,380 |
| Net charge-offs to loans | 0.7153% | 2,270 |
| Credit loss provision to net charge-offs | 56.2500% | 5,657 |
| Earnings coverage of net charge-offs (x) | 6.1625% | 2,675 |
| Efficiency ratio | 51.2685% | 7,570 |
| Assets per employee ($millions) | 3.3749% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 1,277 |
| Loan loss allowance to noncurrent loans | 185.3720% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,814 |
| Noncurrent loans to loans | 1.1750% | 4,868 |
| Net loans and leases to total assets | 50.1573% | 6,859 |
| Net loans and leases to deposits | 63.7735% | 6,584 |
| Net loans and leases to core deposits | 90.9726% | 5,455 |
| Total domestic deposits to total assets | 78.6491% | 5,914 |
| Equity capital to assets | 20.7765% | 343 |
| Core capital (leverage) ratio | 20.3460% | 344 |
| Tier 1 risk-based capital ratio | 37.5766% | 361 |
| Total risk-based capital ratio | 38.8365% | 349 |
| Memoranda: | ||
| Average total assets | $129,235,330 | 4,408 |
| Average earning assets | $124,104,330 | 4,268 |
| Average equity | $26,869,670 | 2,492 |
| Average total loans | $67,100,670 | 5,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1253% | 1,847 |
| Cost of funding earning assets | 1.7924% | 5,146 |
| Net interest margin | 4.3329% | 1,511 |
| Noninterest income to average assets | 0.5498% | 3,922 |
| Noninterest expense to average assets | 2.4304% | 6,095 |
| Loan and lease loss provision to assets | 0.2343% | 4,106 |
| Net operating income to assets | 1.5838% | 805 |
| Return on assets (ROA) | 1.5838% | 885 |
| Pretax return on assets | 2.0462% | 609 |
| Return on Equity (ROE) | 7.6150% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.6150% | 1,970 |
| Net charge-offs to loans | 1.1957% | 1,161 |
| Credit loss provision to net charge-offs | 37.5000% | 4,846 |
| Earnings coverage of net charge-offs (x) | 3.6500% | 3,110 |
| Efficiency ratio | 51.5915% | 7,456 |
| Assets per employee ($millions) | 3.2388% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 1,102 |
| Loan loss allowance to noncurrent loans | 382.5858% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 6,566 |
| Noncurrent loans to loans | 0.5702% | 5,988 |
| Net loans and leases to total assets | 50.1868% | 6,846 |
| Net loans and leases to deposits | 63.7619% | 6,582 |
| Net loans and leases to core deposits | 90.6263% | 5,494 |
| Total domestic deposits to total assets | 78.7097% | 5,823 |
| Equity capital to assets | 20.7098% | 375 |
| Core capital (leverage) ratio | 20.4077% | 377 |
| Tier 1 risk-based capital ratio | 37.5494% | 370 |
| Total risk-based capital ratio | 38.8097% | 362 |
| Memoranda: | ||
| Average total assets | $128,043,000 | 4,450 |
| Average earning assets | $122,965,000 | 4,305 |
| Average equity | $26,631,500 | 2,517 |
| Average total loans | $66,907,500 | 5,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5568% | 2,686 |
| Cost of funding earning assets | 2.3100% | 5,102 |
| Net interest margin | 4.2468% | 2,125 |
| Noninterest income to average assets | 0.5713% | 4,072 |
| Noninterest expense to average assets | 2.2940% | 6,721 |
| Loan and lease loss provision to assets | 0.2523% | 4,397 |
| Net operating income to assets | 1.5670% | 891 |
| Return on assets (ROA) | 1.5688% | 857 |
| Pretax return on assets | 2.0814% | 506 |
| Return on Equity (ROE) | 7.6953% | 3,199 |
| Retained earnings to average equity (ytd only) | 5.5662% | 1,731 |
| Net charge-offs to loans | 0.3674% | 2,998 |
| Credit loss provision to net charge-offs | 128.2258% | 4,156 |
| Earnings coverage of net charge-offs (x) | 11.8468% | 2,323 |
| Efficiency ratio | 49.5968% | 7,689 |
| Assets per employee ($millions) | 3.1634% | 5,581 |
| Cash dividends to net income (ytd only)* | 27.6682% | 4,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3386% | 807 |
| Loan loss allowance to noncurrent loans | 306.4202% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 5,898 |
| Noncurrent loans to loans | 0.7632% | 5,124 |
| Net loans and leases to total assets | 51.9797% | 6,846 |
| Net loans and leases to deposits | 66.2063% | 6,631 |
| Net loans and leases to core deposits | 94.9817% | 5,352 |
| Total domestic deposits to total assets | 78.5117% | 5,544 |
| Equity capital to assets | 20.8900% | 411 |
| Core capital (leverage) ratio | 20.2594% | 425 |
| Tier 1 risk-based capital ratio | 36.5776% | 406 |
| Total risk-based capital ratio | 37.8391% | 398 |
| Memoranda: | ||
| Average total assets | $126,023,800 | 4,372 |
| Average earning assets | $120,302,600 | 4,253 |
| Average equity | $25,691,000 | 2,588 |
| Average total loans | $67,505,000 | 4,962 |