Home > The Bank of Fayette County > Performance and Condition Ratios
The Bank of Fayette County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1613% | 523 |
| Cost of funding earning assets | 2.3031% | 537 |
| Net interest margin | 3.8582% | 1,458 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.5428% | 2,181 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0519% | 2,060 |
| Return on assets (ROA) | 1.0524% | 2,029 |
| Pretax return on assets | 1.3334% | 1,786 |
| Return on Equity (ROE) | 11.4000% | 2,124 |
| Retained earnings to average equity (ytd only) | 8.5259% | 1,387 |
| Net charge-offs to loans | 0.0847% | 1,012 |
| Credit loss provision to net charge-offs | 115.8238% | 1,709 |
| Earnings coverage of net charge-offs (x) | 19.9853% | 1,880 |
| Efficiency ratio | 64.2040% | 2,585 |
| Assets per employee ($millions) | 5.2441% | 3,440 |
| Cash dividends to net income (ytd only)* | 25.2359% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 1,744 |
| Loan loss allowance to noncurrent loans | 170.0522% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 783 |
| Noncurrent loans to loans | 0.7670% | 1,014 |
| Net loans and leases to total assets | 82.5100% | 387 |
| Net loans and leases to deposits | 98.7362% | 604 |
| Net loans and leases to core deposits | 112.0408% | 887 |
| Total domestic deposits to total assets | 83.5600% | 2,741 |
| Equity capital to assets | 9.3602% | 2,446 |
| Core capital (leverage) ratio | 9.9550% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $866,001,000 | 1,115 |
| Average earning assets | $818,249,400 | 1,092 |
| Average equity | $79,921,600 | 1,130 |
| Average total loans | $723,779,400 | 928 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0121% | 525 |
| Cost of funding earning assets | 2.1618% | 535 |
| Net interest margin | 3.8503% | 1,494 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.5507% | 2,082 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0442% | 2,238 |
| Return on assets (ROA) | 1.0450% | 2,221 |
| Pretax return on assets | 1.3336% | 1,942 |
| Return on Equity (ROE) | 11.3700% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.0843% | 1,660 |
| Net charge-offs to loans | 0.0913% | 837 |
| Credit loss provision to net charge-offs | 98.1670% | 1,641 |
| Earnings coverage of net charge-offs (x) | 18.4542% | 1,862 |
| Efficiency ratio | 64.3892% | 2,451 |
| Assets per employee ($millions) | 5.1917% | 3,439 |
| Cash dividends to net income (ytd only)* | 20.0684% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 1,806 |
| Loan loss allowance to noncurrent loans | 126.2169% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 620 |
| Noncurrent loans to loans | 1.0399% | 773 |
| Net loans and leases to total assets | 82.8800% | 368 |
| Net loans and leases to deposits | 99.1859% | 553 |
| Net loans and leases to core deposits | 111.0996% | 834 |
| Total domestic deposits to total assets | 83.5600% | 2,885 |
| Equity capital to assets | 9.1803% | 2,301 |
| Core capital (leverage) ratio | 10.2274% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $858,317,250 | 1,125 |
| Average earning assets | $810,783,500 | 1,099 |
| Average equity | $78,918,000 | 1,138 |
| Average total loans | $717,309,000 | 935 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8451% | 537 |
| Cost of funding earning assets | 2.0320% | 464 |
| Net interest margin | 3.8131% | 1,597 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.5623% | 2,030 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9957% | 2,432 |
| Return on assets (ROA) | 0.9968% | 2,423 |
| Pretax return on assets | 1.2963% | 2,092 |
| Return on Equity (ROE) | 10.8400% | 2,469 |
| Retained earnings to average equity (ytd only) | 8.2833% | 1,878 |
| Net charge-offs to loans | 0.0909% | 718 |
| Credit loss provision to net charge-offs | 85.4489% | 1,527 |
| Earnings coverage of net charge-offs (x) | 17.9319% | 1,779 |
| Efficiency ratio | 65.2780% | 2,338 |
| Assets per employee ($millions) | 4.9709% | 3,620 |
| Cash dividends to net income (ytd only)* | 23.5516% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,729 |
| Loan loss allowance to noncurrent loans | 133.0295% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 588 |
| Noncurrent loans to loans | 1.0117% | 746 |
| Net loans and leases to total assets | 83.0800% | 326 |
| Net loans and leases to deposits | 96.0262% | 733 |
| Net loans and leases to core deposits | 105.7677% | 995 |
| Total domestic deposits to total assets | 86.5200% | 2,085 |
| Equity capital to assets | 9.3768% | 2,247 |
| Core capital (leverage) ratio | 10.1397% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $851,954,667 | 1,127 |
| Average earning assets | $805,224,667 | 1,094 |
| Average equity | $78,374,667 | 1,141 |
| Average total loans | $710,785,333 | 924 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5851% | 543 |
| Cost of funding earning assets | 1.9083% | 357 |
| Net interest margin | 3.6768% | 1,949 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.5489% | 2,109 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8471% | 3,032 |
| Return on assets (ROA) | 0.8493% | 2,976 |
| Pretax return on assets | 1.1790% | 2,482 |
| Return on Equity (ROE) | 9.3200% | 2,964 |
| Retained earnings to average equity (ytd only) | 9.3218% | 1,859 |
| Net charge-offs to loans | 0.0514% | 850 |
| Credit loss provision to net charge-offs | 153.8462% | 940 |
| Earnings coverage of net charge-offs (x) | 29.0989% | 1,319 |
| Efficiency ratio | 67.1904% | 2,073 |
| Assets per employee ($millions) | 4.9878% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,682 |
| Loan loss allowance to noncurrent loans | 128.1106% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 503 |
| Noncurrent loans to loans | 1.0800% | 662 |
| Net loans and leases to total assets | 80.8400% | 468 |
| Net loans and leases to deposits | 92.5700% | 881 |
| Net loans and leases to core deposits | 102.9104% | 969 |
| Total domestic deposits to total assets | 87.3300% | 2,152 |
| Equity capital to assets | 9.2162% | 2,355 |
| Core capital (leverage) ratio | 10.1844% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $852,923,500 | 1,137 |
| Average earning assets | $806,362,000 | 1,111 |
| Average equity | $77,710,000 | 1,156 |
| Average total loans | $708,264,000 | 945 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 287 |
| Cost of funding earning assets | 0.7520% | 465 |
| Net interest margin | 4.2831% | 444 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.5919% | 1,848 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.2295% | 1,665 |
| Return on assets (ROA) | 1.2295% | 1,616 |
| Pretax return on assets | 1.6497% | 1,039 |
| Return on Equity (ROE) | 13.5900% | 1,629 |
| Retained earnings to average equity (ytd only) | 10.9217% | 902 |
| Net charge-offs to loans | 0.0761% | 888 |
| Credit loss provision to net charge-offs | 284.1487% | 937 |
| Earnings coverage of net charge-offs (x) | 29.5656% | 1,692 |
| Efficiency ratio | 58.6330% | 3,244 |
| Assets per employee ($millions) | 5.2021% | 3,512 |
| Cash dividends to net income (ytd only)* | 19.6522% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 1,386 |
| Loan loss allowance to noncurrent loans | 138.3576% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 516 |
| Noncurrent loans to loans | 1.0380% | 700 |
| Net loans and leases to total assets | 82.9100% | 332 |
| Net loans and leases to deposits | 93.3211% | 826 |
| Net loans and leases to core deposits | 102.5164% | 874 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 9.0046% | 2,354 |
| Core capital (leverage) ratio | 9.8344% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $827,767,400 | 1,158 |
| Average earning assets | $782,742,000 | 1,129 |
| Average equity | $74,869,400 | 1,188 |
| Average total loans | $671,645,200 | 940 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 249 |
| Cost of funding earning assets | 0.5556% | 562 |
| Net interest margin | 4.3303% | 320 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.5372% | 1,895 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4334% | 998 |
| Return on assets (ROA) | 1.4334% | 973 |
| Pretax return on assets | 1.8512% | 655 |
| Return on Equity (ROE) | 15.8300% | 1,012 |
| Retained earnings to average equity (ytd only) | 14.3982% | 420 |
| Net charge-offs to loans | 0.0915% | 674 |
| Credit loss provision to net charge-offs | 125.5507% | 1,196 |
| Earnings coverage of net charge-offs (x) | 26.4163% | 1,585 |
| Efficiency ratio | 56.5771% | 3,564 |
| Assets per employee ($millions) | 5.0526% | 3,632 |
| Cash dividends to net income (ytd only)* | 9.0447% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,784 |
| Loan loss allowance to noncurrent loans | 129.1690% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 535 |
| Noncurrent loans to loans | 1.0490% | 728 |
| Net loans and leases to total assets | 83.2600% | 301 |
| Net loans and leases to deposits | 93.2316% | 683 |
| Net loans and leases to core deposits | 100.4536% | 791 |
| Total domestic deposits to total assets | 89.3000% | 1,958 |
| Equity capital to assets | 9.1596% | 2,112 |
| Core capital (leverage) ratio | 10.0029% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $822,723,250 | 1,169 |
| Average earning assets | $778,184,500 | 1,149 |
| Average equity | $74,498,250 | 1,206 |
| Average total loans | $661,235,750 | 950 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 244 |
| Cost of funding earning assets | 0.5083% | 493 |
| Net interest margin | 4.2266% | 318 |
| Noninterest income to average assets | 0.3704% | 2,924 |
| Noninterest expense to average assets | 2.4957% | 1,941 |
| Loan and lease loss provision to assets | 0.0722% | 1,331 |
| Net operating income to assets | 1.3820% | 948 |
| Return on assets (ROA) | 1.3820% | 926 |
| Pretax return on assets | 1.8020% | 594 |
| Return on Equity (ROE) | 15.3210% | 832 |
| Retained earnings to average equity (ytd only) | 13.1643% | 446 |
| Net charge-offs to loans | 0.0594% | 811 |
| Credit loss provision to net charge-offs | 153.8860% | 1,080 |
| Earnings coverage of net charge-offs (x) | 39.9326% | 1,259 |
| Efficiency ratio | 57.0618% | 3,678 |
| Assets per employee ($millions) | 4.9792% | 3,690 |
| Cash dividends to net income (ytd only)* | 14.0771% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,688 |
| Loan loss allowance to noncurrent loans | 200.7041% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 992 |
| Noncurrent loans to loans | 0.7053% | 1,222 |
| Net loans and leases to total assets | 78.7819% | 499 |
| Net loans and leases to deposits | 86.9348% | 912 |
| Net loans and leases to core deposits | 92.7525% | 985 |
| Total domestic deposits to total assets | 90.6219% | 1,409 |
| Equity capital to assets | 8.9126% | 2,437 |
| Core capital (leverage) ratio | 9.5434% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $822,440,000 | 1,169 |
| Average earning assets | $778,265,667 | 1,151 |
| Average equity | $74,185,667 | 1,240 |
| Average total loans | $649,941,667 | 956 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 243 |
| Cost of funding earning assets | 0.5131% | 466 |
| Net interest margin | 4.1093% | 331 |
| Noninterest income to average assets | 0.3732% | 2,856 |
| Noninterest expense to average assets | 2.4248% | 2,089 |
| Loan and lease loss provision to assets | 0.0440% | 1,567 |
| Net operating income to assets | 1.3664% | 864 |
| Return on assets (ROA) | 1.3664% | 856 |
| Pretax return on assets | 1.7978% | 551 |
| Return on Equity (ROE) | 15.0573% | 643 |
| Retained earnings to average equity (ytd only) | 15.0573% | 284 |
| Net charge-offs to loans | 0.1095% | 487 |
| Credit loss provision to net charge-offs | 51.1364% | 1,194 |
| Earnings coverage of net charge-offs (x) | 21.3977% | 1,259 |
| Efficiency ratio | 56.7859% | 3,811 |
| Assets per employee ($millions) | 5.1854% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,760 |
| Loan loss allowance to noncurrent loans | 201.9943% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 1,089 |
| Noncurrent loans to loans | 0.7130% | 1,332 |
| Net loans and leases to total assets | 76.0236% | 509 |
| Net loans and leases to deposits | 84.1500% | 873 |
| Net loans and leases to core deposits | 91.5848% | 836 |
| Total domestic deposits to total assets | 90.3430% | 1,358 |
| Equity capital to assets | 8.9396% | 2,762 |
| Core capital (leverage) ratio | 9.5393% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $817,894,000 | 1,172 |
| Average earning assets | $774,928,500 | 1,162 |
| Average equity | $74,223,000 | 1,270 |
| Average total loans | $642,660,500 | 955 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 274 |
| Cost of funding earning assets | 0.6645% | 390 |
| Net interest margin | 4.2929% | 410 |
| Noninterest income to average assets | 0.4101% | 2,995 |
| Noninterest expense to average assets | 2.5178% | 2,130 |
| Loan and lease loss provision to assets | 0.2571% | 350 |
| Net operating income to assets | 1.2413% | 1,768 |
| Return on assets (ROA) | 1.2431% | 1,822 |
| Pretax return on assets | 1.7093% | 1,122 |
| Return on Equity (ROE) | 13.0520% | 1,447 |
| Retained earnings to average equity (ytd only) | 10.5976% | 783 |
| Net charge-offs to loans | 0.0944% | 889 |
| Credit loss provision to net charge-offs | 335.9511% | 1,007 |
| Earnings coverage of net charge-offs (x) | 25.6614% | 1,717 |
| Efficiency ratio | 56.1248% | 3,694 |
| Assets per employee ($millions) | 5.1345% | 3,611 |
| Cash dividends to net income (ytd only)* | 18.8051% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,763 |
| Loan loss allowance to noncurrent loans | 188.7401% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 1,070 |
| Noncurrent loans to loans | 0.7638% | 1,329 |
| Net loans and leases to total assets | 78.9036% | 324 |
| Net loans and leases to deposits | 87.5675% | 674 |
| Net loans and leases to core deposits | 95.9474% | 692 |
| Total domestic deposits to total assets | 90.1060% | 909 |
| Equity capital to assets | 9.2141% | 3,406 |
| Core capital (leverage) ratio | 9.4904% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $748,598,400 | 1,226 |
| Average earning assets | $710,049,400 | 1,205 |
| Average equity | $71,299,200 | 1,329 |
| Average total loans | $607,036,200 | 998 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 310 |
| Cost of funding earning assets | 0.6928% | 395 |
| Net interest margin | 4.2898% | 462 |
| Noninterest income to average assets | 0.4028% | 3,068 |
| Noninterest expense to average assets | 2.5056% | 2,103 |
| Loan and lease loss provision to assets | 0.1166% | 1,025 |
| Net operating income to assets | 1.3948% | 1,564 |
| Return on assets (ROA) | 1.3972% | 1,614 |
| Pretax return on assets | 1.8532% | 1,039 |
| Return on Equity (ROE) | 14.5396% | 1,246 |
| Retained earnings to average equity (ytd only) | 13.1223% | 618 |
| Net charge-offs to loans | 0.0527% | 1,129 |
| Credit loss provision to net charge-offs | 272.0339% | 1,049 |
| Earnings coverage of net charge-offs (x) | 45.8898% | 1,282 |
| Efficiency ratio | 55.9729% | 3,535 |
| Assets per employee ($millions) | 4.9034% | 3,794 |
| Cash dividends to net income (ytd only)* | 9.7479% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 2,365 |
| Loan loss allowance to noncurrent loans | 272.8371% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 1,804 |
| Noncurrent loans to loans | 0.4860% | 2,098 |
| Net loans and leases to total assets | 82.3519% | 171 |
| Net loans and leases to deposits | 92.1486% | 487 |
| Net loans and leases to core deposits | 102.0143% | 521 |
| Total domestic deposits to total assets | 89.3686% | 1,087 |
| Equity capital to assets | 9.8009% | 3,101 |
| Core capital (leverage) ratio | 9.9973% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $734,217,500 | 1,256 |
| Average earning assets | $696,524,750 | 1,237 |
| Average equity | $70,554,750 | 1,361 |
| Average total loans | $597,454,750 | 1,033 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 380 |
| Cost of funding earning assets | 0.7279% | 402 |
| Net interest margin | 4.2075% | 575 |
| Noninterest income to average assets | 0.3825% | 3,203 |
| Noninterest expense to average assets | 2.5009% | 2,140 |
| Loan and lease loss provision to assets | 0.0888% | 1,394 |
| Net operating income to assets | 1.3478% | 1,715 |
| Return on assets (ROA) | 1.3528% | 1,782 |
| Pretax return on assets | 1.7955% | 1,249 |
| Return on Equity (ROE) | 14.1752% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.0139% | 912 |
| Net charge-offs to loans | 0.0525% | 1,093 |
| Credit loss provision to net charge-offs | 209.7403% | 1,030 |
| Earnings coverage of net charge-offs (x) | 44.3442% | 1,114 |
| Efficiency ratio | 57.0558% | 3,402 |
| Assets per employee ($millions) | 4.7402% | 3,893 |
| Cash dividends to net income (ytd only)* | 15.2470% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 2,108 |
| Loan loss allowance to noncurrent loans | 290.7268% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 1,981 |
| Noncurrent loans to loans | 0.4711% | 2,263 |
| Net loans and leases to total assets | 81.1581% | 253 |
| Net loans and leases to deposits | 90.8638% | 595 |
| Net loans and leases to core deposits | 101.0923% | 624 |
| Total domestic deposits to total assets | 89.3183% | 1,130 |
| Equity capital to assets | 9.8801% | 2,969 |
| Core capital (leverage) ratio | 9.8312% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,246,333 | 1,252 |
| Average earning assets | $690,760,000 | 1,239 |
| Average equity | $69,403,000 | 1,366 |
| Average total loans | $586,532,333 | 1,050 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 484 |
| Cost of funding earning assets | 0.7704% | 408 |
| Net interest margin | 4.0354% | 803 |
| Noninterest income to average assets | 0.3986% | 3,093 |
| Noninterest expense to average assets | 2.4429% | 2,348 |
| Loan and lease loss provision to assets | 0.0772% | 1,650 |
| Net operating income to assets | 1.3016% | 1,821 |
| Return on assets (ROA) | 1.3107% | 1,874 |
| Pretax return on assets | 1.7355% | 1,422 |
| Return on Equity (ROE) | 13.9774% | 1,433 |
| Retained earnings to average equity (ytd only) | 13.9774% | 758 |
| Net charge-offs to loans | 0.0398% | 1,072 |
| Credit loss provision to net charge-offs | 243.1034% | 827 |
| Earnings coverage of net charge-offs (x) | 56.7241% | 848 |
| Efficiency ratio | 57.5077% | 3,370 |
| Assets per employee ($millions) | 5.0111% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 2,025 |
| Loan loss allowance to noncurrent loans | 247.3522% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,032 |
| Noncurrent loans to loans | 0.5600% | 2,178 |
| Net loans and leases to total assets | 78.1732% | 457 |
| Net loans and leases to deposits | 88.1075% | 818 |
| Net loans and leases to core deposits | 99.1543% | 752 |
| Total domestic deposits to total assets | 88.7248% | 1,485 |
| Equity capital to assets | 9.4620% | 3,236 |
| Core capital (leverage) ratio | 9.6279% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,611,500 | 1,240 |
| Average earning assets | $696,236,000 | 1,219 |
| Average equity | $68,510,500 | 1,371 |
| Average total loans | $583,360,000 | 1,062 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 285 |
| Cost of funding earning assets | 1.2040% | 272 |
| Net interest margin | 4.0670% | 839 |
| Noninterest income to average assets | 0.3897% | 3,151 |
| Noninterest expense to average assets | 2.4400% | 3,019 |
| Loan and lease loss provision to assets | 0.2622% | 1,474 |
| Net operating income to assets | 1.1192% | 1,842 |
| Return on assets (ROA) | 1.1447% | 1,870 |
| Pretax return on assets | 1.5766% | 1,119 |
| Return on Equity (ROE) | 12.5688% | 1,160 |
| Retained earnings to average equity (ytd only) | 10.3221% | 530 |
| Net charge-offs to loans | 0.0703% | 1,787 |
| Credit loss provision to net charge-offs | 456.5111% | 1,322 |
| Earnings coverage of net charge-offs (x) | 31.4570% | 1,566 |
| Efficiency ratio | 57.4016% | 3,803 |
| Assets per employee ($millions) | 4.9633% | 3,427 |
| Cash dividends to net income (ytd only)* | 17.8748% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 2,168 |
| Loan loss allowance to noncurrent loans | 238.1252% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 2,132 |
| Noncurrent loans to loans | 0.5691% | 2,275 |
| Net loans and leases to total assets | 79.3314% | 473 |
| Net loans and leases to deposits | 89.9637% | 930 |
| Net loans and leases to core deposits | 102.5437% | 788 |
| Total domestic deposits to total assets | 88.1816% | 1,387 |
| Equity capital to assets | 9.2921% | 3,793 |
| Core capital (leverage) ratio | 9.1278% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $708,681,800 | 1,168 |
| Average earning assets | $672,065,600 | 1,148 |
| Average equity | $64,541,000 | 1,378 |
| Average total loans | $578,841,400 | 1,012 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 333 |
| Cost of funding earning assets | 1.2761% | 274 |
| Net interest margin | 4.0515% | 1,003 |
| Noninterest income to average assets | 0.3764% | 3,200 |
| Noninterest expense to average assets | 2.4028% | 3,125 |
| Loan and lease loss provision to assets | 0.1872% | 2,112 |
| Net operating income to assets | 1.2511% | 1,481 |
| Return on assets (ROA) | 1.2852% | 1,495 |
| Pretax return on assets | 1.6670% | 1,035 |
| Return on Equity (ROE) | 14.1871% | 845 |
| Retained earnings to average equity (ytd only) | 12.7226% | 354 |
| Net charge-offs to loans | 0.0571% | 1,793 |
| Credit loss provision to net charge-offs | 400.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 38.6842% | 1,389 |
| Efficiency ratio | 56.9629% | 3,796 |
| Assets per employee ($millions) | 5.3431% | 2,840 |
| Cash dividends to net income (ytd only)* | 10.3230% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,441 |
| Loan loss allowance to noncurrent loans | 196.2331% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 2,200 |
| Noncurrent loans to loans | 0.6321% | 2,212 |
| Net loans and leases to total assets | 77.0674% | 954 |
| Net loans and leases to deposits | 88.0676% | 1,478 |
| Net loans and leases to core deposits | 103.3075% | 964 |
| Total domestic deposits to total assets | 87.5093% | 1,446 |
| Equity capital to assets | 8.9985% | 4,125 |
| Core capital (leverage) ratio | 9.2319% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $703,452,500 | 1,157 |
| Average earning assets | $666,279,500 | 1,134 |
| Average equity | $63,727,500 | 1,377 |
| Average total loans | $576,863,750 | 1,006 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 420 |
| Cost of funding earning assets | 1.3639% | 264 |
| Net interest margin | 4.0132% | 1,285 |
| Noninterest income to average assets | 0.3816% | 3,194 |
| Noninterest expense to average assets | 2.4130% | 3,225 |
| Loan and lease loss provision to assets | 0.1223% | 2,810 |
| Net operating income to assets | 1.2977% | 1,363 |
| Return on assets (ROA) | 1.3500% | 1,316 |
| Pretax return on assets | 1.7064% | 988 |
| Return on Equity (ROE) | 14.8658% | 732 |
| Retained earnings to average equity (ytd only) | 12.6270% | 391 |
| Net charge-offs to loans | 0.0296% | 2,126 |
| Credit loss provision to net charge-offs | 495.2941% | 1,244 |
| Earnings coverage of net charge-offs (x) | 71.3882% | 874 |
| Efficiency ratio | 57.7282% | 3,730 |
| Assets per employee ($millions) | 5.2604% | 2,877 |
| Cash dividends to net income (ytd only)* | 15.0602% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,618 |
| Loan loss allowance to noncurrent loans | 196.1549% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 1,977 |
| Noncurrent loans to loans | 0.6008% | 2,344 |
| Net loans and leases to total assets | 78.3991% | 802 |
| Net loans and leases to deposits | 90.3122% | 1,327 |
| Net loans and leases to core deposits | 108.3728% | 797 |
| Total domestic deposits to total assets | 86.8090% | 1,696 |
| Equity capital to assets | 8.8954% | 4,174 |
| Core capital (leverage) ratio | 9.1126% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $688,590,333 | 1,159 |
| Average earning assets | $650,948,667 | 1,138 |
| Average equity | $62,532,667 | 1,386 |
| Average total loans | $574,573,333 | 998 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5569% | 330 |
| Cost of funding earning assets | 1.4956% | 279 |
| Net interest margin | 4.0613% | 1,221 |
| Noninterest income to average assets | 0.3225% | 3,591 |
| Noninterest expense to average assets | 2.4847% | 3,321 |
| Loan and lease loss provision to assets | 0.0276% | 3,444 |
| Net operating income to assets | 1.2484% | 1,381 |
| Return on assets (ROA) | 1.2792% | 1,396 |
| Pretax return on assets | 1.6844% | 879 |
| Return on Equity (ROE) | 13.9301% | 711 |
| Retained earnings to average equity (ytd only) | 13.9301% | 260 |
| Net charge-offs to loans | 0.0741% | 1,284 |
| Credit loss provision to net charge-offs | 43.3962% | 2,082 |
| Earnings coverage of net charge-offs (x) | 26.3302% | 1,257 |
| Efficiency ratio | 59.7030% | 3,781 |
| Assets per employee ($millions) | 5.0229% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,091 |
| Loan loss allowance to noncurrent loans | 161.3631% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 1,864 |
| Noncurrent loans to loans | 0.6941% | 2,260 |
| Net loans and leases to total assets | 83.8517% | 278 |
| Net loans and leases to deposits | 96.1517% | 891 |
| Net loans and leases to core deposits | 117.1580% | 552 |
| Total domestic deposits to total assets | 87.2077% | 1,465 |
| Equity capital to assets | 9.1789% | 4,477 |
| Core capital (leverage) ratio | 9.3559% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $667,287,500 | 1,159 |
| Average earning assets | $630,136,000 | 1,138 |
| Average equity | $61,277,500 | 1,400 |
| Average total loans | $571,816,500 | 978 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6572% | 433 |
| Cost of funding earning assets | 1.6321% | 264 |
| Net interest margin | 4.0251% | 1,771 |
| Noninterest income to average assets | 0.3195% | 3,781 |
| Noninterest expense to average assets | 2.4728% | 3,521 |
| Loan and lease loss provision to assets | 0.1502% | 1,419 |
| Net operating income to assets | 1.0979% | 2,454 |
| Return on assets (ROA) | 1.0991% | 2,549 |
| Pretax return on assets | 1.5137% | 1,765 |
| Return on Equity (ROE) | 12.3217% | 1,389 |
| Retained earnings to average equity (ytd only) | 9.5332% | 583 |
| Net charge-offs to loans | 0.0889% | 1,845 |
| Credit loss provision to net charge-offs | 197.1429% | 1,346 |
| Earnings coverage of net charge-offs (x) | 21.8224% | 1,875 |
| Efficiency ratio | 59.7353% | 3,737 |
| Assets per employee ($millions) | 5.0113% | 2,581 |
| Cash dividends to net income (ytd only)* | 22.6308% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,733 |
| Loan loss allowance to noncurrent loans | 162.4188% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 1,569 |
| Noncurrent loans to loans | 0.7038% | 2,118 |
| Net loans and leases to total assets | 85.6232% | 190 |
| Net loans and leases to deposits | 96.9182% | 849 |
| Net loans and leases to core deposits | 117.8751% | 541 |
| Total domestic deposits to total assets | 88.3458% | 967 |
| Equity capital to assets | 9.1874% | 4,578 |
| Core capital (leverage) ratio | 9.0373% | 4,501 |
| Tier 1 risk-based capital ratio | 11.4795% | 4,639 |
| Total risk-based capital ratio | 12.7263% | 4,516 |
| Memoranda: | ||
| Average total assets | $643,241,000 | 1,163 |
| Average earning assets | $609,775,400 | 1,127 |
| Average equity | $57,378,600 | 1,417 |
| Average total loans | $551,045,000 | 978 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6108% | 484 |
| Cost of funding earning assets | 1.6370% | 260 |
| Net interest margin | 3.9738% | 2,042 |
| Noninterest income to average assets | 0.2936% | 3,981 |
| Noninterest expense to average assets | 2.4300% | 3,611 |
| Loan and lease loss provision to assets | 0.0579% | 2,741 |
| Net operating income to assets | 1.1824% | 2,259 |
| Return on assets (ROA) | 1.1841% | 2,334 |
| Pretax return on assets | 1.5753% | 1,716 |
| Return on Equity (ROE) | 13.3766% | 1,151 |
| Retained earnings to average equity (ytd only) | 11.4936% | 454 |
| Net charge-offs to loans | 0.0849% | 1,629 |
| Credit loss provision to net charge-offs | 79.8851% | 2,507 |
| Earnings coverage of net charge-offs (x) | 22.4971% | 1,865 |
| Efficiency ratio | 59.7681% | 3,684 |
| Assets per employee ($millions) | 5.1130% | 2,433 |
| Cash dividends to net income (ytd only)* | 14.0771% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,257 |
| Loan loss allowance to noncurrent loans | 161.1803% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 2,025 |
| Noncurrent loans to loans | 0.6544% | 2,323 |
| Net loans and leases to total assets | 84.6763% | 277 |
| Net loans and leases to deposits | 98.4405% | 771 |
| Net loans and leases to core deposits | 121.4980% | 485 |
| Total domestic deposits to total assets | 86.0178% | 1,990 |
| Equity capital to assets | 9.0665% | 4,746 |
| Core capital (leverage) ratio | 9.1588% | 4,509 |
| Tier 1 risk-based capital ratio | 11.4694% | 4,683 |
| Total risk-based capital ratio | 12.6223% | 4,631 |
| Memoranda: | ||
| Average total assets | $639,929,750 | 1,168 |
| Average earning assets | $606,718,000 | 1,129 |
| Average equity | $56,644,750 | 1,428 |
| Average total loans | $546,655,250 | 986 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5756% | 491 |
| Cost of funding earning assets | 1.6245% | 251 |
| Net interest margin | 3.9511% | 2,091 |
| Noninterest income to average assets | 0.3000% | 3,932 |
| Noninterest expense to average assets | 2.4772% | 3,552 |
| Loan and lease loss provision to assets | 0.0351% | 3,123 |
| Net operating income to assets | 1.1459% | 2,339 |
| Return on assets (ROA) | 1.1481% | 2,413 |
| Pretax return on assets | 1.5346% | 1,743 |
| Return on Equity (ROE) | 13.0809% | 1,211 |
| Retained earnings to average equity (ytd only) | 10.2028% | 702 |
| Net charge-offs to loans | 0.0718% | 1,648 |
| Credit loss provision to net charge-offs | 57.2165% | 2,424 |
| Earnings coverage of net charge-offs (x) | 25.5773% | 1,591 |
| Efficiency ratio | 61.1853% | 3,559 |
| Assets per employee ($millions) | 5.1230% | 2,331 |
| Cash dividends to net income (ytd only)* | 22.0022% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 3,180 |
| Loan loss allowance to noncurrent loans | 192.8896% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 1,708 |
| Noncurrent loans to loans | 0.5597% | 2,590 |
| Net loans and leases to total assets | 83.6639% | 391 |
| Net loans and leases to deposits | 94.4429% | 1,210 |
| Net loans and leases to core deposits | 123.2155% | 449 |
| Total domestic deposits to total assets | 88.5867% | 838 |
| Equity capital to assets | 8.8325% | 4,888 |
| Core capital (leverage) ratio | 8.9520% | 4,668 |
| Tier 1 risk-based capital ratio | 11.3057% | 4,786 |
| Total risk-based capital ratio | 12.4807% | 4,710 |
| Memoranda: | ||
| Average total assets | $633,379,670 | 1,173 |
| Average earning assets | $600,185,000 | 1,137 |
| Average equity | $55,592,670 | 1,441 |
| Average total loans | $540,719,670 | 997 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 514 |
| Cost of funding earning assets | 1.5937% | 231 |
| Net interest margin | 3.9193% | 2,132 |
| Noninterest income to average assets | 0.3073% | 3,820 |
| Noninterest expense to average assets | 2.4714% | 3,582 |
| Loan and lease loss provision to assets | 0.0128% | 3,270 |
| Net operating income to assets | 1.1467% | 2,287 |
| Return on assets (ROA) | 1.1467% | 2,334 |
| Pretax return on assets | 1.5360% | 1,660 |
| Return on Equity (ROE) | 13.1074% | 1,176 |
| Retained earnings to average equity (ytd only) | 13.1074% | 445 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4111% | 3,622 |
| Assets per employee ($millions) | 5.0984% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 2,991 |
| Loan loss allowance to noncurrent loans | 139.6165% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 1,323 |
| Noncurrent loans to loans | 0.8056% | 2,025 |
| Net loans and leases to total assets | 84.0467% | 369 |
| Net loans and leases to deposits | 95.8805% | 980 |
| Net loans and leases to core deposits | 118.4773% | 568 |
| Total domestic deposits to total assets | 87.6578% | 1,491 |
| Equity capital to assets | 8.8385% | 4,796 |
| Core capital (leverage) ratio | 8.9659% | 4,678 |
| Tier 1 risk-based capital ratio | 11.3191% | 4,828 |
| Total risk-based capital ratio | 12.5386% | 4,757 |
| Memoranda: | ||
| Average total assets | $624,759,500 | 1,188 |
| Average earning assets | $591,845,000 | 1,166 |
| Average equity | $54,656,000 | 1,456 |
| Average total loans | $535,942,000 | 1,010 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 529 |
| Cost of funding earning assets | 1.2474% | 274 |
| Net interest margin | 4.1057% | 1,663 |
| Noninterest income to average assets | 0.3368% | 3,864 |
| Noninterest expense to average assets | 2.5616% | 3,437 |
| Loan and lease loss provision to assets | 0.2243% | 797 |
| Net operating income to assets | 1.0381% | 2,853 |
| Return on assets (ROA) | 1.0381% | 2,837 |
| Pretax return on assets | 1.4293% | 2,037 |
| Return on Equity (ROE) | 11.8303% | 1,771 |
| Retained earnings to average equity (ytd only) | 9.0626% | 835 |
| Net charge-offs to loans | 0.1281% | 1,472 |
| Credit loss provision to net charge-offs | 205.9468% | 1,400 |
| Earnings coverage of net charge-offs (x) | 15.1831% | 2,342 |
| Efficiency ratio | 60.7027% | 3,743 |
| Assets per employee ($millions) | 4.9386% | 2,575 |
| Cash dividends to net income (ytd only)* | 23.3952% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,938 |
| Loan loss allowance to noncurrent loans | 210.7030% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 1,648 |
| Noncurrent loans to loans | 0.5349% | 2,668 |
| Net loans and leases to total assets | 85.6077% | 263 |
| Net loans and leases to deposits | 100.4692% | 706 |
| Net loans and leases to core deposits | 121.3100% | 512 |
| Total domestic deposits to total assets | 85.2079% | 2,551 |
| Equity capital to assets | 8.6559% | 4,841 |
| Core capital (leverage) ratio | 8.6762% | 4,898 |
| Tier 1 risk-based capital ratio | 11.0445% | 4,958 |
| Total risk-based capital ratio | 12.2702% | 4,861 |
| Memoranda: | ||
| Average total assets | $586,738,600 | 1,230 |
| Average earning assets | $554,252,000 | 1,208 |
| Average equity | $51,486,400 | 1,475 |
| Average total loans | $498,958,000 | 1,050 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 600 |
| Cost of funding earning assets | 1.1503% | 325 |
| Net interest margin | 4.0750% | 1,708 |
| Noninterest income to average assets | 0.3364% | 3,911 |
| Noninterest expense to average assets | 2.5062% | 3,576 |
| Loan and lease loss provision to assets | 0.1034% | 1,939 |
| Net operating income to assets | 1.1924% | 2,270 |
| Return on assets (ROA) | 1.1924% | 2,273 |
| Pretax return on assets | 1.5735% | 1,661 |
| Return on Equity (ROE) | 13.5397% | 1,253 |
| Retained earnings to average equity (ytd only) | 10.8600% | 677 |
| Net charge-offs to loans | 0.1494% | 1,103 |
| Credit loss provision to net charge-offs | 81.7851% | 2,508 |
| Earnings coverage of net charge-offs (x) | 13.2660% | 2,377 |
| Efficiency ratio | 59.8415% | 3,836 |
| Assets per employee ($millions) | 4.9989% | 2,466 |
| Cash dividends to net income (ytd only)* | 19.7914% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,776 |
| Loan loss allowance to noncurrent loans | 178.5301% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 1,680 |
| Noncurrent loans to loans | 0.5595% | 2,703 |
| Net loans and leases to total assets | 84.5790% | 390 |
| Net loans and leases to deposits | 104.2272% | 536 |
| Net loans and leases to core deposits | 124.0199% | 461 |
| Total domestic deposits to total assets | 81.1486% | 3,828 |
| Equity capital to assets | 8.5443% | 4,897 |
| Core capital (leverage) ratio | 8.9705% | 4,731 |
| Tier 1 risk-based capital ratio | 11.0081% | 5,032 |
| Total risk-based capital ratio | 12.0828% | 5,018 |
| Memoranda: | ||
| Average total assets | $579,092,750 | 1,240 |
| Average earning assets | $546,633,250 | 1,224 |
| Average equity | $50,999,250 | 1,484 |
| Average total loans | $490,072,750 | 1,068 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1346% | 619 |
| Cost of funding earning assets | 1.0552% | 358 |
| Net interest margin | 4.0794% | 1,617 |
| Noninterest income to average assets | 0.3371% | 3,931 |
| Noninterest expense to average assets | 2.5111% | 3,600 |
| Loan and lease loss provision to assets | 0.0853% | 2,208 |
| Net operating income to assets | 1.2085% | 2,162 |
| Return on assets (ROA) | 1.2085% | 2,159 |
| Pretax return on assets | 1.5879% | 1,540 |
| Return on Equity (ROE) | 13.5758% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.5758% | 316 |
| Net charge-offs to loans | 0.1003% | 1,350 |
| Credit loss provision to net charge-offs | 100.8333% | 2,005 |
| Earnings coverage of net charge-offs (x) | 19.7708% | 1,839 |
| Efficiency ratio | 59.9360% | 3,946 |
| Assets per employee ($millions) | 4.7970% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,382 |
| Loan loss allowance to noncurrent loans | 174.9182% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 1,397 |
| Noncurrent loans to loans | 0.6178% | 2,564 |
| Net loans and leases to total assets | 83.6678% | 499 |
| Net loans and leases to deposits | 101.2768% | 712 |
| Net loans and leases to core deposits | 130.4588% | 325 |
| Total domestic deposits to total assets | 82.6130% | 3,520 |
| Equity capital to assets | 8.8840% | 4,659 |
| Core capital (leverage) ratio | 9.2348% | 4,435 |
| Tier 1 risk-based capital ratio | 11.6593% | 4,711 |
| Total risk-based capital ratio | 12.8360% | 4,627 |
| Memoranda: | ||
| Average total assets | $567,167,670 | 1,261 |
| Average earning assets | $534,881,000 | 1,249 |
| Average equity | $50,487,000 | 1,504 |
| Average total loans | $478,331,670 | 1,091 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 706 |
| Cost of funding earning assets | 0.9692% | 431 |
| Net interest margin | 4.0260% | 1,634 |
| Noninterest income to average assets | 0.3211% | 4,008 |
| Noninterest expense to average assets | 2.4381% | 3,842 |
| Loan and lease loss provision to assets | 0.0387% | 2,975 |
| Net operating income to assets | 1.2656% | 1,763 |
| Return on assets (ROA) | 1.2656% | 1,769 |
| Pretax return on assets | 1.6397% | 1,270 |
| Return on Equity (ROE) | 14.2034% | 964 |
| Retained earnings to average equity (ytd only) | 14.2034% | 392 |
| Net charge-offs to loans | 0.0528% | 1,577 |
| Credit loss provision to net charge-offs | 87.0968% | 1,685 |
| Earnings coverage of net charge-offs (x) | 37.7742% | 1,101 |
| Efficiency ratio | 59.1574% | 4,190 |
| Assets per employee ($millions) | 4.7438% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,204 |
| Loan loss allowance to noncurrent loans | 155.1584% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 1,365 |
| Noncurrent loans to loans | 0.7286% | 2,388 |
| Net loans and leases to total assets | 82.7163% | 571 |
| Net loans and leases to deposits | 99.6379% | 735 |
| Net loans and leases to core deposits | 129.2324% | 353 |
| Total domestic deposits to total assets | 83.0169% | 3,658 |
| Equity capital to assets | 8.9242% | 4,635 |
| Core capital (leverage) ratio | 9.2701% | 4,357 |
| Tier 1 risk-based capital ratio | 11.7372% | 4,719 |
| Total risk-based capital ratio | 12.9584% | 4,624 |
| Memoranda: | ||
| Average total assets | $558,135,500 | 1,283 |
| Average earning assets | $526,183,500 | 1,277 |
| Average equity | $49,734,500 | 1,540 |
| Average total loans | $469,997,500 | 1,121 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 539 |
| Cost of funding earning assets | 0.7837% | 680 |
| Net interest margin | 4.3128% | 941 |
| Noninterest income to average assets | 0.3621% | 3,876 |
| Noninterest expense to average assets | 2.6184% | 3,385 |
| Loan and lease loss provision to assets | 0.1492% | 1,520 |
| Net operating income to assets | 0.9752% | 2,345 |
| Return on assets (ROA) | 0.9780% | 2,374 |
| Pretax return on assets | 1.6334% | 1,206 |
| Return on Equity (ROE) | 11.6984% | 1,289 |
| Retained earnings to average equity (ytd only) | 11.6984% | 198 |
| Net charge-offs to loans | 0.0545% | 2,714 |
| Credit loss provision to net charge-offs | 329.7872% | 872 |
| Earnings coverage of net charge-offs (x) | 39.3021% | 1,278 |
| Efficiency ratio | 59.4806% | 4,340 |
| Assets per employee ($millions) | 4.5637% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,102 |
| Loan loss allowance to noncurrent loans | 281.7176% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 2,996 |
| Noncurrent loans to loans | 0.4058% | 3,309 |
| Net loans and leases to total assets | 83.7319% | 472 |
| Net loans and leases to deposits | 102.1586% | 593 |
| Net loans and leases to core deposits | 135.4669% | 262 |
| Total domestic deposits to total assets | 81.9626% | 3,880 |
| Equity capital to assets | 8.8900% | 4,825 |
| Core capital (leverage) ratio | 8.8761% | 4,780 |
| Tier 1 risk-based capital ratio | 11.6452% | 4,760 |
| Total risk-based capital ratio | 12.8954% | 4,645 |
| Memoranda: | ||
| Average total assets | $519,410,200 | 1,351 |
| Average earning assets | $485,873,800 | 1,343 |
| Average equity | $43,424,800 | 1,711 |
| Average total loans | $430,923,000 | 1,163 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0550% | 549 |
| Cost of funding earning assets | 0.7201% | 883 |
| Net interest margin | 4.3349% | 848 |
| Noninterest income to average assets | 0.3584% | 3,965 |
| Noninterest expense to average assets | 2.5742% | 3,489 |
| Loan and lease loss provision to assets | 0.1056% | 1,999 |
| Net operating income to assets | 1.0896% | 2,133 |
| Return on assets (ROA) | 1.0918% | 2,180 |
| Pretax return on assets | 1.7279% | 1,053 |
| Return on Equity (ROE) | 13.2859% | 987 |
| Retained earnings to average equity (ytd only) | 13.2859% | 198 |
| Net charge-offs to loans | 0.0424% | 2,596 |
| Credit loss provision to net charge-offs | 302.2388% | 975 |
| Earnings coverage of net charge-offs (x) | 52.3663% | 1,085 |
| Efficiency ratio | 58.3644% | 4,455 |
| Assets per employee ($millions) | 4.7008% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,468 |
| Loan loss allowance to noncurrent loans | 215.8096% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 1,772 |
| Noncurrent loans to loans | 0.5109% | 3,173 |
| Net loans and leases to total assets | 82.1196% | 666 |
| Net loans and leases to deposits | 103.0955% | 544 |
| Net loans and leases to core deposits | 141.7305% | 187 |
| Total domestic deposits to total assets | 79.6539% | 4,403 |
| Equity capital to assets | 8.1204% | 5,473 |
| Core capital (leverage) ratio | 8.3287% | 5,351 |
| Tier 1 risk-based capital ratio | 10.7424% | 5,362 |
| Total risk-based capital ratio | 11.9533% | 5,298 |
| Memoranda: | ||
| Average total assets | $511,212,250 | 1,384 |
| Average earning assets | $477,135,750 | 1,375 |
| Average equity | $42,008,250 | 1,788 |
| Average total loans | $421,724,750 | 1,187 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 562 |
| Cost of funding earning assets | 0.6448% | 1,172 |
| Net interest margin | 4.3534% | 760 |
| Noninterest income to average assets | 0.3809% | 3,823 |
| Noninterest expense to average assets | 2.5934% | 3,452 |
| Loan and lease loss provision to assets | 0.0374% | 3,263 |
| Net operating income to assets | 1.1880% | 1,634 |
| Return on assets (ROA) | 1.1914% | 1,659 |
| Pretax return on assets | 1.8139% | 815 |
| Return on Equity (ROE) | 14.4353% | 751 |
| Retained earnings to average equity (ytd only) | 14.4353% | 163 |
| Net charge-offs to loans | 0.0191% | 2,864 |
| Credit loss provision to net charge-offs | 238.4615% | 1,117 |
| Earnings coverage of net charge-offs (x) | 117.5641% | 584 |
| Efficiency ratio | 58.3258% | 4,553 |
| Assets per employee ($millions) | 4.7087% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,534 |
| Loan loss allowance to noncurrent loans | 118.7637% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 1,398 |
| Noncurrent loans to loans | 0.9337% | 2,103 |
| Net loans and leases to total assets | 81.4761% | 749 |
| Net loans and leases to deposits | 99.9928% | 737 |
| Net loans and leases to core deposits | 139.1402% | 190 |
| Total domestic deposits to total assets | 81.4819% | 4,052 |
| Equity capital to assets | 8.2453% | 5,421 |
| Core capital (leverage) ratio | 8.6208% | 5,122 |
| Tier 1 risk-based capital ratio | 10.9337% | 5,285 |
| Total risk-based capital ratio | 12.1468% | 5,219 |
| Memoranda: | ||
| Average total assets | $496,719,670 | 1,425 |
| Average earning assets | $463,081,670 | 1,419 |
| Average equity | $40,996,670 | 1,836 |
| Average total loans | $408,770,670 | 1,228 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 596 |
| Cost of funding earning assets | 0.5736% | 1,551 |
| Net interest margin | 4.3503% | 705 |
| Noninterest income to average assets | 0.4192% | 3,524 |
| Noninterest expense to average assets | 2.6328% | 3,372 |
| Loan and lease loss provision to assets | 0.0276% | 3,216 |
| Net operating income to assets | 1.1665% | 1,608 |
| Return on assets (ROA) | 1.1665% | 1,650 |
| Pretax return on assets | 1.8120% | 767 |
| Return on Equity (ROE) | 14.1257% | 780 |
| Retained earnings to average equity (ytd only) | 14.1257% | 286 |
| Net charge-offs to loans | -0.0223% | 4,799 |
| Credit loss provision to net charge-offs | -150.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7379% | 4,624 |
| Assets per employee ($millions) | 4.5841% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 3,114 |
| Loan loss allowance to noncurrent loans | 164.4234% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 1,639 |
| Noncurrent loans to loans | 0.7324% | 2,669 |
| Net loans and leases to total assets | 81.3220% | 651 |
| Net loans and leases to deposits | 101.1238% | 541 |
| Net loans and leases to core deposits | 130.3375% | 262 |
| Total domestic deposits to total assets | 80.4182% | 4,543 |
| Equity capital to assets | 8.2387% | 5,393 |
| Core capital (leverage) ratio | 8.5632% | 5,180 |
| Tier 1 risk-based capital ratio | 11.0091% | 5,307 |
| Total risk-based capital ratio | 12.2599% | 5,214 |
| Memoranda: | ||
| Average total assets | $479,037,000 | 1,475 |
| Average earning assets | $446,313,000 | 1,464 |
| Average equity | $39,559,000 | 1,888 |
| Average total loans | $393,964,500 | 1,257 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 562 |
| Cost of funding earning assets | 0.5290% | 1,874 |
| Net interest margin | 4.5006% | 621 |
| Noninterest income to average assets | 0.4755% | 3,376 |
| Noninterest expense to average assets | 2.9398% | 2,528 |
| Loan and lease loss provision to assets | 0.2359% | 914 |
| Net operating income to assets | 0.8657% | 2,997 |
| Return on assets (ROA) | 0.8777% | 3,054 |
| Pretax return on assets | 1.4807% | 1,655 |
| Return on Equity (ROE) | 10.2321% | 1,869 |
| Retained earnings to average equity (ytd only) | 8.0499% | 844 |
| Net charge-offs to loans | 0.0899% | 2,412 |
| Credit loss provision to net charge-offs | 325.1613% | 922 |
| Earnings coverage of net charge-offs (x) | 23.4065% | 1,683 |
| Efficiency ratio | 63.2694% | 4,062 |
| Assets per employee ($millions) | 4.3294% | 3,398 |
| Cash dividends to net income (ytd only)* | 21.3276% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,811 |
| Loan loss allowance to noncurrent loans | 170.8852% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 1,265 |
| Noncurrent loans to loans | 0.7322% | 2,695 |
| Net loans and leases to total assets | 81.1371% | 725 |
| Net loans and leases to deposits | 98.3127% | 797 |
| Net loans and leases to core deposits | 124.7632% | 367 |
| Total domestic deposits to total assets | 82.5296% | 3,929 |
| Equity capital to assets | 8.2783% | 5,432 |
| Core capital (leverage) ratio | 8.4298% | 5,336 |
| Tier 1 risk-based capital ratio | 11.0845% | 5,295 |
| Total risk-based capital ratio | 12.3359% | 5,191 |
| Memoranda: | ||
| Average total assets | $427,371,800 | 1,591 |
| Average earning assets | $395,238,200 | 1,595 |
| Average equity | $36,659,000 | 1,994 |
| Average total loans | $344,851,800 | 1,353 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 600 |
| Cost of funding earning assets | 0.5171% | 1,958 |
| Net interest margin | 4.4849% | 655 |
| Noninterest income to average assets | 0.5556% | 2,889 |
| Noninterest expense to average assets | 2.8578% | 2,794 |
| Loan and lease loss provision to assets | 0.1319% | 1,778 |
| Net operating income to assets | 1.1112% | 1,943 |
| Return on assets (ROA) | 1.1278% | 2,001 |
| Pretax return on assets | 1.7281% | 1,042 |
| Return on Equity (ROE) | 13.0206% | 1,052 |
| Retained earnings to average equity (ytd only) | 10.9919% | 430 |
| Net charge-offs to loans | 0.0824% | 2,146 |
| Credit loss provision to net charge-offs | 199.5169% | 1,446 |
| Earnings coverage of net charge-offs (x) | 27.7394% | 1,557 |
| Efficiency ratio | 60.7885% | 4,428 |
| Assets per employee ($millions) | 4.1984% | 3,594 |
| Cash dividends to net income (ytd only)* | 15.5808% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 3,459 |
| Loan loss allowance to noncurrent loans | 99.6536% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.8360% | 888 |
| Noncurrent loans to loans | 1.1680% | 1,920 |
| Net loans and leases to total assets | 80.0689% | 885 |
| Net loans and leases to deposits | 98.0521% | 850 |
| Net loans and leases to core deposits | 124.9376% | 392 |
| Total domestic deposits to total assets | 81.6595% | 4,054 |
| Equity capital to assets | 8.2710% | 5,635 |
| Core capital (leverage) ratio | 8.3450% | 5,475 |
| Tier 1 risk-based capital ratio | 10.8553% | 5,450 |
| Total risk-based capital ratio | 12.1052% | 5,360 |
| Memoranda: | ||
| Average total assets | $417,321,500 | 1,625 |
| Average earning assets | $384,924,000 | 1,624 |
| Average equity | $36,147,000 | 2,027 |
| Average total loans | $335,019,250 | 1,397 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9557% | 639 |
| Cost of funding earning assets | 0.4924% | 2,166 |
| Net interest margin | 4.4632% | 664 |
| Noninterest income to average assets | 0.5734% | 2,773 |
| Noninterest expense to average assets | 2.7651% | 3,149 |
| Loan and lease loss provision to assets | 0.1362% | 1,670 |
| Net operating income to assets | 1.2071% | 1,575 |
| Return on assets (ROA) | 1.2340% | 1,583 |
| Pretax return on assets | 1.8228% | 840 |
| Return on Equity (ROE) | 14.0081% | 826 |
| Retained earnings to average equity (ytd only) | 11.7596% | 360 |
| Net charge-offs to loans | 0.0898% | 1,945 |
| Credit loss provision to net charge-offs | 189.6552% | 1,352 |
| Earnings coverage of net charge-offs (x) | 26.7310% | 1,480 |
| Efficiency ratio | 58.9218% | 4,783 |
| Assets per employee ($millions) | 4.3021% | 3,363 |
| Cash dividends to net income (ytd only)* | 16.0514% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 3,253 |
| Loan loss allowance to noncurrent loans | 106.9914% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.7776% | 975 |
| Noncurrent loans to loans | 1.1399% | 2,020 |
| Net loans and leases to total assets | 77.4840% | 1,259 |
| Net loans and leases to deposits | 89.5208% | 1,810 |
| Net loans and leases to core deposits | 117.4225% | 593 |
| Total domestic deposits to total assets | 86.5542% | 2,138 |
| Equity capital to assets | 8.3172% | 5,688 |
| Core capital (leverage) ratio | 8.7079% | 5,163 |
| Tier 1 risk-based capital ratio | 11.3448% | 5,251 |
| Total risk-based capital ratio | 12.5955% | 5,148 |
| Memoranda: | ||
| Average total assets | $403,888,330 | 1,673 |
| Average earning assets | $372,019,000 | 1,675 |
| Average equity | $35,579,330 | 2,056 |
| Average total loans | $323,116,670 | 1,444 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 518 |
| Cost of funding earning assets | 0.4684% | 2,385 |
| Net interest margin | 4.5953% | 506 |
| Noninterest income to average assets | 0.4361% | 3,566 |
| Noninterest expense to average assets | 2.7970% | 3,083 |
| Loan and lease loss provision to assets | 0.1447% | 1,458 |
| Net operating income to assets | 1.1428% | 1,738 |
| Return on assets (ROA) | 1.1627% | 1,776 |
| Pretax return on assets | 1.7529% | 937 |
| Return on Equity (ROE) | 12.7871% | 1,083 |
| Retained earnings to average equity (ytd only) | 9.9252% | 861 |
| Net charge-offs to loans | -0.1107% | 5,679 |
| Credit loss provision to net charge-offs | -161.6279% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8750% | 4,764 |
| Assets per employee ($millions) | 4.1108% | 3,742 |
| Cash dividends to net income (ytd only)* | 22.3814% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 2,585 |
| Loan loss allowance to noncurrent loans | 100.1849% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 1,351 |
| Noncurrent loans to loans | 1.3626% | 1,745 |
| Net loans and leases to total assets | 79.3486% | 902 |
| Net loans and leases to deposits | 95.3251% | 1,005 |
| Net loans and leases to core deposits | 110.2780% | 840 |
| Total domestic deposits to total assets | 83.2400% | 3,810 |
| Equity capital to assets | 8.9904% | 5,177 |
| Core capital (leverage) ratio | 9.2200% | 4,577 |
| Tier 1 risk-based capital ratio | 11.9931% | 4,921 |
| Total risk-based capital ratio | 13.2457% | 4,837 |
| Memoranda: | ||
| Average total assets | $384,272,500 | 1,744 |
| Average earning assets | $353,577,500 | 1,764 |
| Average equity | $34,941,500 | 2,091 |
| Average total loans | $310,882,000 | 1,480 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 533 |
| Cost of funding earning assets | 0.4471% | 2,654 |
| Net interest margin | 4.6366% | 508 |
| Noninterest income to average assets | 0.3177% | 4,624 |
| Noninterest expense to average assets | 2.9845% | 2,602 |
| Loan and lease loss provision to assets | 0.1952% | 1,115 |
| Net operating income to assets | 0.8305% | 3,193 |
| Return on assets (ROA) | 0.8428% | 3,211 |
| Pretax return on assets | 1.4017% | 1,892 |
| Return on Equity (ROE) | 9.1105% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.2978% | 1,656 |
| Net charge-offs to loans | 0.2080% | 1,417 |
| Credit loss provision to net charge-offs | 117.4709% | 2,191 |
| Earnings coverage of net charge-offs (x) | 9.4925% | 2,812 |
| Efficiency ratio | 65.3352% | 4,019 |
| Assets per employee ($millions) | 3.8547% | 4,201 |
| Cash dividends to net income (ytd only)* | 30.8727% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 2,665 |
| Loan loss allowance to noncurrent loans | 86.9078% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.6865% | 1,155 |
| Noncurrent loans to loans | 1.5538% | 1,482 |
| Net loans and leases to total assets | 80.2824% | 804 |
| Net loans and leases to deposits | 97.3848% | 878 |
| Net loans and leases to core deposits | 109.1989% | 905 |
| Total domestic deposits to total assets | 82.4383% | 4,039 |
| Equity capital to assets | 9.2010% | 4,908 |
| Core capital (leverage) ratio | 9.2223% | 4,579 |
| Tier 1 risk-based capital ratio | 12.1325% | 4,863 |
| Total risk-based capital ratio | 13.3850% | 4,767 |
| Memoranda: | ||
| Average total assets | $361,634,200 | 1,810 |
| Average earning assets | $331,040,200 | 1,831 |
| Average equity | $33,456,000 | 2,123 |
| Average total loans | $288,903,800 | 1,513 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 574 |
| Cost of funding earning assets | 0.4479% | 2,710 |
| Net interest margin | 4.5871% | 560 |
| Noninterest income to average assets | 0.3057% | 4,753 |
| Noninterest expense to average assets | 2.9182% | 2,791 |
| Loan and lease loss provision to assets | 0.1365% | 1,645 |
| Net operating income to assets | 0.9074% | 2,929 |
| Return on assets (ROA) | 0.9240% | 2,926 |
| Pretax return on assets | 1.4695% | 1,763 |
| Return on Equity (ROE) | 9.9739% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.8467% | 1,305 |
| Net charge-offs to loans | 0.1352% | 1,783 |
| Credit loss provision to net charge-offs | 126.9896% | 1,907 |
| Earnings coverage of net charge-offs (x) | 14.7026% | 2,235 |
| Efficiency ratio | 64.7929% | 4,102 |
| Assets per employee ($millions) | 3.8307% | 4,208 |
| Cash dividends to net income (ytd only)* | 21.3280% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 2,747 |
| Loan loss allowance to noncurrent loans | 74.8716% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.8585% | 1,130 |
| Noncurrent loans to loans | 1.8268% | 1,290 |
| Net loans and leases to total assets | 79.2178% | 924 |
| Net loans and leases to deposits | 96.0561% | 998 |
| Net loans and leases to core deposits | 108.0823% | 974 |
| Total domestic deposits to total assets | 82.4704% | 3,998 |
| Equity capital to assets | 9.2276% | 5,085 |
| Core capital (leverage) ratio | 9.4123% | 4,417 |
| Tier 1 risk-based capital ratio | 12.3352% | 4,865 |
| Total risk-based capital ratio | 13.5881% | 4,770 |
| Memoranda: | ||
| Average total assets | $358,566,750 | 1,843 |
| Average earning assets | $327,725,500 | 1,864 |
| Average equity | $33,219,250 | 2,151 |
| Average total loans | $285,057,750 | 1,534 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 625 |
| Cost of funding earning assets | 0.4426% | 2,809 |
| Net interest margin | 4.5265% | 605 |
| Noninterest income to average assets | 0.3314% | 4,582 |
| Noninterest expense to average assets | 2.9162% | 2,837 |
| Loan and lease loss provision to assets | 0.1033% | 2,104 |
| Net operating income to assets | 0.9454% | 2,662 |
| Return on assets (ROA) | 0.9711% | 2,641 |
| Pretax return on assets | 1.5030% | 1,646 |
| Return on Equity (ROE) | 10.4677% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.7291% | 1,377 |
| Net charge-offs to loans | 0.1525% | 1,572 |
| Credit loss provision to net charge-offs | 85.5140% | 2,266 |
| Earnings coverage of net charge-offs (x) | 12.9673% | 2,169 |
| Efficiency ratio | 64.9748% | 4,196 |
| Assets per employee ($millions) | 4.1564% | 3,559 |
| Cash dividends to net income (ytd only)* | 26.1628% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 2,859 |
| Loan loss allowance to noncurrent loans | 82.8226% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 1,491 |
| Noncurrent loans to loans | 1.6635% | 1,568 |
| Net loans and leases to total assets | 76.8818% | 1,240 |
| Net loans and leases to deposits | 92.7217% | 1,283 |
| Net loans and leases to core deposits | 107.4599% | 994 |
| Total domestic deposits to total assets | 82.9167% | 3,983 |
| Equity capital to assets | 9.0075% | 5,229 |
| Core capital (leverage) ratio | 9.6115% | 4,123 |
| Tier 1 risk-based capital ratio | 12.3636% | 4,900 |
| Total risk-based capital ratio | 13.6163% | 4,799 |
| Memoranda: | ||
| Average total assets | $354,228,330 | 1,877 |
| Average earning assets | $324,883,330 | 1,888 |
| Average equity | $32,863,000 | 2,180 |
| Average total loans | $280,596,670 | 1,560 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 635 |
| Cost of funding earning assets | 0.4497% | 2,770 |
| Net interest margin | 4.4906% | 610 |
| Noninterest income to average assets | 0.3199% | 4,628 |
| Noninterest expense to average assets | 2.8546% | 3,052 |
| Loan and lease loss provision to assets | 0.1062% | 1,931 |
| Net operating income to assets | 0.9731% | 2,376 |
| Return on assets (ROA) | 1.0127% | 2,338 |
| Pretax return on assets | 1.5359% | 1,435 |
| Return on Equity (ROE) | 10.7494% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.7494% | 763 |
| Net charge-offs to loans | 0.2414% | 987 |
| Credit loss provision to net charge-offs | 55.0898% | 2,056 |
| Earnings coverage of net charge-offs (x) | 8.2036% | 2,102 |
| Efficiency ratio | 64.2894% | 4,436 |
| Assets per employee ($millions) | 3.8716% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 2,808 |
| Loan loss allowance to noncurrent loans | 71.9993% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.1009% | 1,100 |
| Noncurrent loans to loans | 1.9780% | 1,322 |
| Net loans and leases to total assets | 77.1896% | 1,031 |
| Net loans and leases to deposits | 95.6453% | 854 |
| Net loans and leases to core deposits | 103.7351% | 1,081 |
| Total domestic deposits to total assets | 80.7040% | 4,885 |
| Equity capital to assets | 9.4179% | 4,842 |
| Core capital (leverage) ratio | 9.7917% | 3,903 |
| Tier 1 risk-based capital ratio | 12.8030% | 4,722 |
| Total risk-based capital ratio | 14.0562% | 4,639 |
| Memoranda: | ||
| Average total assets | $346,384,500 | 1,919 |
| Average earning assets | $317,552,500 | 1,944 |
| Average equity | $32,634,500 | 2,200 |
| Average total loans | $276,709,500 | 1,576 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 565 |
| Cost of funding earning assets | 0.5373% | 2,312 |
| Net interest margin | 4.6191% | 600 |
| Noninterest income to average assets | 0.2968% | 4,999 |
| Noninterest expense to average assets | 3.0573% | 2,661 |
| Loan and lease loss provision to assets | 0.1899% | 1,348 |
| Net operating income to assets | 0.7532% | 3,619 |
| Return on assets (ROA) | 0.7644% | 3,649 |
| Pretax return on assets | 1.2665% | 2,363 |
| Return on Equity (ROE) | 8.1316% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.8377% | 2,033 |
| Net charge-offs to loans | 0.2897% | 1,503 |
| Credit loss provision to net charge-offs | 82.8269% | 2,809 |
| Earnings coverage of net charge-offs (x) | 6.2761% | 3,235 |
| Efficiency ratio | 67.8162% | 3,931 |
| Assets per employee ($millions) | 3.7828% | 4,373 |
| Cash dividends to net income (ytd only)* | 28.2092% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 2,728 |
| Loan loss allowance to noncurrent loans | 95.4697% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.7365% | 1,529 |
| Noncurrent loans to loans | 1.5111% | 1,942 |
| Net loans and leases to total assets | 80.3444% | 696 |
| Net loans and leases to deposits | 98.7962% | 698 |
| Net loans and leases to core deposits | 108.6919% | 847 |
| Total domestic deposits to total assets | 81.3234% | 4,645 |
| Equity capital to assets | 9.4251% | 4,812 |
| Core capital (leverage) ratio | 9.4220% | 4,357 |
| Tier 1 risk-based capital ratio | 12.3849% | 5,099 |
| Total risk-based capital ratio | 13.6382% | 5,023 |
| Memoranda: | ||
| Average total assets | $330,195,400 | 1,967 |
| Average earning assets | $300,189,400 | 1,994 |
| Average equity | $31,039,400 | 2,221 |
| Average total loans | $261,284,800 | 1,622 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 606 |
| Cost of funding earning assets | 0.5482% | 2,311 |
| Net interest margin | 4.5788% | 644 |
| Noninterest income to average assets | 0.2971% | 5,080 |
| Noninterest expense to average assets | 2.9341% | 3,011 |
| Loan and lease loss provision to assets | 0.1697% | 1,456 |
| Net operating income to assets | 0.8787% | 3,027 |
| Return on assets (ROA) | 0.8941% | 3,039 |
| Pretax return on assets | 1.3775% | 2,090 |
| Return on Equity (ROE) | 9.5176% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.2180% | 1,257 |
| Net charge-offs to loans | 0.2379% | 1,617 |
| Credit loss provision to net charge-offs | 90.8497% | 2,412 |
| Earnings coverage of net charge-offs (x) | 8.1569% | 2,848 |
| Efficiency ratio | 65.5742% | 4,281 |
| Assets per employee ($millions) | 3.6327% | 4,606 |
| Cash dividends to net income (ytd only)* | 13.6550% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 2,643 |
| Loan loss allowance to noncurrent loans | 105.2199% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5506% | 1,977 |
| Noncurrent loans to loans | 1.4377% | 2,267 |
| Net loans and leases to total assets | 80.5913% | 651 |
| Net loans and leases to deposits | 94.1483% | 1,027 |
| Net loans and leases to core deposits | 108.9408% | 802 |
| Total domestic deposits to total assets | 85.6004% | 3,072 |
| Equity capital to assets | 9.6846% | 4,567 |
| Core capital (leverage) ratio | 9.8134% | 3,923 |
| Tier 1 risk-based capital ratio | 12.7749% | 4,990 |
| Total risk-based capital ratio | 14.0294% | 4,898 |
| Memoranda: | ||
| Average total assets | $327,631,250 | 1,993 |
| Average earning assets | $297,711,500 | 2,024 |
| Average equity | $30,777,250 | 2,242 |
| Average total loans | $257,221,500 | 1,654 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 708 |
| Cost of funding earning assets | 0.5537% | 2,317 |
| Net interest margin | 4.4774% | 735 |
| Noninterest income to average assets | 0.2988% | 5,019 |
| Noninterest expense to average assets | 2.8606% | 3,308 |
| Loan and lease loss provision to assets | 0.1525% | 1,616 |
| Net operating income to assets | 0.8749% | 2,936 |
| Return on assets (ROA) | 0.8952% | 2,932 |
| Pretax return on assets | 1.3770% | 1,978 |
| Return on Equity (ROE) | 9.6296% | 2,308 |
| Retained earnings to average equity (ytd only) | 8.3123% | 1,206 |
| Net charge-offs to loans | 0.3442% | 1,183 |
| Credit loss provision to net charge-offs | 57.2414% | 2,681 |
| Earnings coverage of net charge-offs (x) | 5.6253% | 2,896 |
| Efficiency ratio | 65.5710% | 4,430 |
| Assets per employee ($millions) | 3.6476% | 4,552 |
| Cash dividends to net income (ytd only)* | 13.6799% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 2,802 |
| Loan loss allowance to noncurrent loans | 117.6751% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4120% | 2,315 |
| Noncurrent loans to loans | 1.2917% | 2,646 |
| Net loans and leases to total assets | 75.4033% | 1,250 |
| Net loans and leases to deposits | 85.1039% | 1,917 |
| Net loans and leases to core deposits | 100.6675% | 1,229 |
| Total domestic deposits to total assets | 88.6015% | 1,582 |
| Equity capital to assets | 9.2192% | 5,083 |
| Core capital (leverage) ratio | 9.9260% | 3,709 |
| Tier 1 risk-based capital ratio | 12.7287% | 5,073 |
| Total risk-based capital ratio | 13.9827% | 5,015 |
| Memoranda: | ||
| Average total assets | $326,649,000 | 1,992 |
| Average earning assets | $296,199,330 | 2,029 |
| Average equity | $30,364,670 | 2,256 |
| Average total loans | $252,792,330 | 1,679 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 716 |
| Cost of funding earning assets | 0.5776% | 2,173 |
| Net interest margin | 4.4227% | 767 |
| Noninterest income to average assets | 0.2934% | 5,025 |
| Noninterest expense to average assets | 2.8555% | 3,356 |
| Loan and lease loss provision to assets | 0.1686% | 1,432 |
| Net operating income to assets | 0.7954% | 3,176 |
| Return on assets (ROA) | 0.7954% | 3,252 |
| Pretax return on assets | 1.2848% | 2,151 |
| Return on Equity (ROE) | 8.5189% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.5189% | 1,412 |
| Net charge-offs to loans | 0.0369% | 2,869 |
| Credit loss provision to net charge-offs | 586.9565% | 483 |
| Earnings coverage of net charge-offs (x) | 50.6087% | 747 |
| Efficiency ratio | 66.2706% | 4,489 |
| Assets per employee ($millions) | 3.5781% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 2,297 |
| Loan loss allowance to noncurrent loans | 76.8924% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.3613% | 1,374 |
| Noncurrent loans to loans | 2.2326% | 1,620 |
| Net loans and leases to total assets | 75.4876% | 1,061 |
| Net loans and leases to deposits | 85.8949% | 1,616 |
| Net loans and leases to core deposits | 93.0699% | 1,633 |
| Total domestic deposits to total assets | 87.8837% | 2,295 |
| Equity capital to assets | 9.4308% | 4,589 |
| Core capital (leverage) ratio | 9.7866% | 3,882 |
| Tier 1 risk-based capital ratio | 12.8945% | 5,063 |
| Total risk-based capital ratio | 14.1509% | 5,002 |
| Memoranda: | ||
| Average total assets | $320,359,500 | 2,037 |
| Average earning assets | $290,863,000 | 2,075 |
| Average equity | $29,910,000 | 2,278 |
| Average total loans | $249,320,000 | 1,700 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 705 |
| Cost of funding earning assets | 0.6890% | 1,893 |
| Net interest margin | 4.4641% | 797 |
| Noninterest income to average assets | 0.2944% | 5,247 |
| Noninterest expense to average assets | 2.9272% | 3,284 |
| Loan and lease loss provision to assets | 0.2840% | 1,214 |
| Net operating income to assets | 0.7033% | 3,781 |
| Return on assets (ROA) | 0.7062% | 3,852 |
| Pretax return on assets | 1.1676% | 2,698 |
| Return on Equity (ROE) | 7.6758% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.6894% | 2,163 |
| Net charge-offs to loans | 0.2125% | 2,761 |
| Credit loss provision to net charge-offs | 170.0565% | 1,342 |
| Earnings coverage of net charge-offs (x) | 8.6648% | 2,630 |
| Efficiency ratio | 66.9159% | 4,382 |
| Assets per employee ($millions) | 3.5808% | 4,734 |
| Cash dividends to net income (ytd only)* | 25.8797% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 2,591 |
| Loan loss allowance to noncurrent loans | 51.7656% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 3.2172% | 952 |
| Noncurrent loans to loans | 3.1778% | 1,068 |
| Net loans and leases to total assets | 77.5575% | 878 |
| Net loans and leases to deposits | 87.8295% | 1,483 |
| Net loans and leases to core deposits | 94.2612% | 1,583 |
| Total domestic deposits to total assets | 88.3046% | 2,002 |
| Equity capital to assets | 9.2410% | 4,760 |
| Core capital (leverage) ratio | 9.5016% | 4,265 |
| Tier 1 risk-based capital ratio | 12.5164% | 5,278 |
| Total risk-based capital ratio | 13.7663% | 5,232 |
| Memoranda: | ||
| Average total assets | $317,913,800 | 2,024 |
| Average earning assets | $290,563,200 | 2,039 |
| Average equity | $29,247,600 | 2,296 |
| Average total loans | $249,843,200 | 1,664 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1390% | 724 |
| Cost of funding earning assets | 0.7129% | 1,865 |
| Net interest margin | 4.4261% | 846 |
| Noninterest income to average assets | 0.3110% | 5,212 |
| Noninterest expense to average assets | 2.8599% | 3,445 |
| Loan and lease loss provision to assets | 0.2669% | 1,320 |
| Net operating income to assets | 0.7851% | 3,423 |
| Return on assets (ROA) | 0.7881% | 3,544 |
| Pretax return on assets | 1.2350% | 2,561 |
| Return on Equity (ROE) | 8.5760% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.4755% | 1,654 |
| Net charge-offs to loans | 0.1892% | 2,709 |
| Credit loss provision to net charge-offs | 179.6610% | 1,347 |
| Earnings coverage of net charge-offs (x) | 10.0790% | 2,399 |
| Efficiency ratio | 65.6361% | 4,557 |
| Assets per employee ($millions) | 3.5465% | 4,753 |
| Cash dividends to net income (ytd only)* | 12.8330% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 2,996 |
| Loan loss allowance to noncurrent loans | 69.0102% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.5449% | 1,500 |
| Noncurrent loans to loans | 2.3200% | 1,887 |
| Net loans and leases to total assets | 77.0133% | 873 |
| Net loans and leases to deposits | 90.7665% | 1,082 |
| Net loans and leases to core deposits | 99.8798% | 1,122 |
| Total domestic deposits to total assets | 84.8477% | 3,817 |
| Equity capital to assets | 9.1584% | 4,986 |
| Core capital (leverage) ratio | 9.3853% | 4,548 |
| Tier 1 risk-based capital ratio | 12.4600% | 5,476 |
| Total risk-based capital ratio | 13.7080% | 5,419 |
| Memoranda: | ||
| Average total assets | $317,719,750 | 2,032 |
| Average earning assets | $290,451,250 | 2,048 |
| Average equity | $29,197,000 | 2,323 |
| Average total loans | $249,478,500 | 1,666 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 791 |
| Cost of funding earning assets | 0.7457% | 1,735 |
| Net interest margin | 4.3418% | 953 |
| Noninterest income to average assets | 0.3170% | 5,167 |
| Noninterest expense to average assets | 2.8261% | 3,586 |
| Loan and lease loss provision to assets | 0.2715% | 1,357 |
| Net operating income to assets | 0.7619% | 3,507 |
| Return on assets (ROA) | 0.7663% | 3,642 |
| Pretax return on assets | 1.2169% | 2,597 |
| Return on Equity (ROE) | 8.3296% | 2,928 |
| Retained earnings to average equity (ytd only) | 6.6719% | 2,056 |
| Net charge-offs to loans | 0.2713% | 2,119 |
| Credit loss provision to net charge-offs | 127.2997% | 1,776 |
| Earnings coverage of net charge-offs (x) | 6.9466% | 2,623 |
| Efficiency ratio | 65.6089% | 4,616 |
| Assets per employee ($millions) | 3.6196% | 4,575 |
| Cash dividends to net income (ytd only)* | 19.9009% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,438 |
| Loan loss allowance to noncurrent loans | 69.1673% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.6041% | 1,609 |
| Noncurrent loans to loans | 2.2147% | 2,155 |
| Net loans and leases to total assets | 76.9035% | 876 |
| Net loans and leases to deposits | 86.8183% | 1,476 |
| Net loans and leases to core deposits | 99.1503% | 1,134 |
| Total domestic deposits to total assets | 88.5798% | 1,867 |
| Equity capital to assets | 8.9821% | 5,235 |
| Core capital (leverage) ratio | 9.4563% | 4,310 |
| Tier 1 risk-based capital ratio | 12.2210% | 5,664 |
| Total risk-based capital ratio | 13.4753% | 5,609 |
| Memoranda: | ||
| Average total assets | $316,049,670 | 2,047 |
| Average earning assets | $290,479,670 | 2,053 |
| Average equity | $29,077,000 | 2,337 |
| Average total loans | $248,441,670 | 1,668 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 764 |
| Cost of funding earning assets | 0.7690% | 1,716 |
| Net interest margin | 4.3146% | 945 |
| Noninterest income to average assets | 0.3617% | 4,771 |
| Noninterest expense to average assets | 2.8038% | 3,685 |
| Loan and lease loss provision to assets | 0.2863% | 1,231 |
| Net operating income to assets | 0.7785% | 3,290 |
| Return on assets (ROA) | 0.7744% | 3,448 |
| Pretax return on assets | 1.2230% | 2,497 |
| Return on Equity (ROE) | 8.3162% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.3162% | 1,635 |
| Net charge-offs to loans | 0.1523% | 2,486 |
| Credit loss provision to net charge-offs | 238.2979% | 955 |
| Earnings coverage of net charge-offs (x) | 12.6170% | 1,583 |
| Efficiency ratio | 64.9112% | 4,836 |
| Assets per employee ($millions) | 3.6785% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,493 |
| Loan loss allowance to noncurrent loans | 64.2138% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.8377% | 1,589 |
| Noncurrent loans to loans | 2.4586% | 2,092 |
| Net loans and leases to total assets | 76.6976% | 753 |
| Net loans and leases to deposits | 87.2529% | 1,220 |
| Net loans and leases to core deposits | 95.8357% | 1,209 |
| Total domestic deposits to total assets | 87.9026% | 2,382 |
| Equity capital to assets | 9.2951% | 5,139 |
| Core capital (leverage) ratio | 9.5436% | 4,008 |
| Tier 1 risk-based capital ratio | 12.2697% | 5,741 |
| Total risk-based capital ratio | 13.5261% | 5,688 |
| Memoranda: | ||
| Average total assets | $313,004,500 | 2,095 |
| Average earning assets | $287,119,000 | 2,110 |
| Average equity | $29,148,000 | 2,362 |
| Average total loans | $246,867,000 | 1,686 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3111% | 908 |
| Cost of funding earning assets | 1.0969% | 917 |
| Net interest margin | 4.2143% | 1,620 |
| Noninterest income to average assets | 0.2812% | 5,457 |
| Noninterest expense to average assets | 2.7109% | 4,363 |
| Loan and lease loss provision to assets | 0.4962% | 1,208 |
| Net operating income to assets | 0.6002% | 4,235 |
| Return on assets (ROA) | 0.6581% | 4,216 |
| Pretax return on assets | 1.0391% | 3,403 |
| Return on Equity (ROE) | 7.1166% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.4704% | 3,085 |
| Net charge-offs to loans | 0.3592% | 2,836 |
| Credit loss provision to net charge-offs | 173.6301% | 1,518 |
| Earnings coverage of net charge-offs (x) | 5.0559% | 3,162 |
| Efficiency ratio | 65.2300% | 4,662 |
| Assets per employee ($millions) | 3.6864% | 4,591 |
| Cash dividends to net income (ytd only)* | 37.1839% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 3,654 |
| Loan loss allowance to noncurrent loans | 64.3847% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.6164% | 1,860 |
| Noncurrent loans to loans | 2.3636% | 2,277 |
| Net loans and leases to total assets | 78.6178% | 606 |
| Net loans and leases to deposits | 89.6360% | 1,108 |
| Net loans and leases to core deposits | 97.3418% | 1,194 |
| Total domestic deposits to total assets | 87.7078% | 2,409 |
| Equity capital to assets | 9.3299% | 5,107 |
| Core capital (leverage) ratio | 9.1489% | 4,661 |
| Tier 1 risk-based capital ratio | 12.2169% | 5,645 |
| Total risk-based capital ratio | 13.4424% | 5,618 |
| Memoranda: | ||
| Average total assets | $306,502,000 | 2,099 |
| Average earning assets | $281,804,400 | 2,090 |
| Average equity | $28,342,000 | 2,366 |
| Average total loans | $243,878,800 | 1,696 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 1,017 |
| Cost of funding earning assets | 1.1514% | 861 |
| Net interest margin | 4.1484% | 1,905 |
| Noninterest income to average assets | 0.2381% | 5,849 |
| Noninterest expense to average assets | 2.6368% | 4,614 |
| Loan and lease loss provision to assets | 0.4047% | 1,580 |
| Net operating income to assets | 0.7276% | 3,783 |
| Return on assets (ROA) | 0.8143% | 3,619 |
| Pretax return on assets | 1.1322% | 3,226 |
| Return on Equity (ROE) | 8.8257% | 2,886 |
| Retained earnings to average equity (ytd only) | 5.2803% | 3,171 |
| Net charge-offs to loans | 0.3933% | 2,518 |
| Credit loss provision to net charge-offs | 129.4282% | 2,224 |
| Earnings coverage of net charge-offs (x) | 4.5300% | 3,281 |
| Efficiency ratio | 65.0527% | 4,620 |
| Assets per employee ($millions) | 3.8224% | 4,249 |
| Cash dividends to net income (ytd only)* | 40.1716% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,682 |
| Loan loss allowance to noncurrent loans | 61.9509% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.6045% | 2,025 |
| Noncurrent loans to loans | 2.1446% | 2,681 |
| Net loans and leases to total assets | 79.8304% | 517 |
| Net loans and leases to deposits | 95.1217% | 718 |
| Net loans and leases to core deposits | 103.3380% | 909 |
| Total domestic deposits to total assets | 83.9245% | 4,254 |
| Equity capital to assets | 9.2266% | 5,564 |
| Core capital (leverage) ratio | 9.5532% | 4,192 |
| Tier 1 risk-based capital ratio | 12.0383% | 5,919 |
| Total risk-based capital ratio | 13.2943% | 5,900 |
| Memoranda: | ||
| Average total assets | $305,712,750 | 2,124 |
| Average earning assets | $281,161,750 | 2,115 |
| Average equity | $28,204,750 | 2,396 |
| Average total loans | $243,046,250 | 1,709 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2318% | 1,180 |
| Cost of funding earning assets | 1.1902% | 856 |
| Net interest margin | 4.0416% | 2,332 |
| Noninterest income to average assets | 0.2490% | 5,799 |
| Noninterest expense to average assets | 2.5689% | 4,884 |
| Loan and lease loss provision to assets | 0.3942% | 1,666 |
| Net operating income to assets | 0.7381% | 3,663 |
| Return on assets (ROA) | 0.7904% | 3,682 |
| Pretax return on assets | 1.0900% | 3,343 |
| Return on Equity (ROE) | 8.5672% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.5672% | 1,424 |
| Net charge-offs to loans | 0.4764% | 2,160 |
| Credit loss provision to net charge-offs | 104.7120% | 2,597 |
| Earnings coverage of net charge-offs (x) | 3.7522% | 3,281 |
| Efficiency ratio | 64.5215% | 4,795 |
| Assets per employee ($millions) | 3.6272% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,950 |
| Loan loss allowance to noncurrent loans | 52.9481% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.9316% | 1,885 |
| Noncurrent loans to loans | 2.4275% | 2,473 |
| Net loans and leases to total assets | 80.1804% | 483 |
| Net loans and leases to deposits | 98.0710% | 523 |
| Net loans and leases to core deposits | 108.3934% | 644 |
| Total domestic deposits to total assets | 81.7575% | 5,214 |
| Equity capital to assets | 9.5442% | 5,000 |
| Core capital (leverage) ratio | 9.6570% | 3,912 |
| Tier 1 risk-based capital ratio | 12.2814% | 5,740 |
| Total risk-based capital ratio | 13.5043% | 5,729 |
| Memoranda: | ||
| Average total assets | $304,412,330 | 2,131 |
| Average earning assets | $281,128,000 | 2,116 |
| Average equity | $28,084,000 | 2,385 |
| Average total loans | $240,563,670 | 1,718 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 1,657 |
| Cost of funding earning assets | 1.1977% | 996 |
| Net interest margin | 3.8749% | 3,031 |
| Noninterest income to average assets | 0.2797% | 5,629 |
| Noninterest expense to average assets | 2.4751% | 5,234 |
| Loan and lease loss provision to assets | 0.4221% | 1,489 |
| Net operating income to assets | 0.6782% | 3,990 |
| Return on assets (ROA) | 0.6782% | 4,206 |
| Pretax return on assets | 0.9762% | 3,766 |
| Return on Equity (ROE) | 7.4787% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.4787% | 2,184 |
| Net charge-offs to loans | 0.2750% | 2,572 |
| Credit loss provision to net charge-offs | 196.9512% | 1,358 |
| Earnings coverage of net charge-offs (x) | 6.5244% | 2,193 |
| Efficiency ratio | 63.9001% | 4,941 |
| Assets per employee ($millions) | 4.1137% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,657 |
| Loan loss allowance to noncurrent loans | 65.5987% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.8376% | 2,064 |
| Noncurrent loans to loans | 2.1190% | 3,009 |
| Net loans and leases to total assets | 76.3443% | 768 |
| Net loans and leases to deposits | 92.0178% | 796 |
| Net loans and leases to core deposits | 101.1613% | 911 |
| Total domestic deposits to total assets | 82.9669% | 4,942 |
| Equity capital to assets | 9.2148% | 5,212 |
| Core capital (leverage) ratio | 9.2660% | 4,414 |
| Tier 1 risk-based capital ratio | 12.3555% | 5,716 |
| Total risk-based capital ratio | 13.6071% | 5,677 |
| Memoranda: | ||
| Average total assets | $306,088,000 | 2,121 |
| Average earning assets | $283,881,000 | 2,106 |
| Average equity | $27,759,000 | 2,404 |
| Average total loans | $238,578,000 | 1,731 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 1,847 |
| Cost of funding earning assets | 1.3652% | 1,182 |
| Net interest margin | 3.8908% | 3,376 |
| Noninterest income to average assets | 0.1409% | 6,445 |
| Noninterest expense to average assets | 2.5521% | 5,283 |
| Loan and lease loss provision to assets | 0.3802% | 2,721 |
| Net operating income to assets | 0.5198% | 4,342 |
| Return on assets (ROA) | 0.5439% | 4,446 |
| Pretax return on assets | 0.8270% | 3,879 |
| Return on Equity (ROE) | 6.0222% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.1692% | 3,209 |
| Net charge-offs to loans | 0.5223% | 2,902 |
| Credit loss provision to net charge-offs | 94.5878% | 3,812 |
| Earnings coverage of net charge-offs (x) | 2.9126% | 3,750 |
| Efficiency ratio | 68.5516% | 4,242 |
| Assets per employee ($millions) | 4.0495% | 3,748 |
| Cash dividends to net income (ytd only)* | 30.7692% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,956 |
| Loan loss allowance to noncurrent loans | 50.5268% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 3.0195% | 1,990 |
| Noncurrent loans to loans | 2.5547% | 2,569 |
| Net loans and leases to total assets | 77.4495% | 780 |
| Net loans and leases to deposits | 93.9309% | 817 |
| Net loans and leases to core deposits | 103.5407% | 930 |
| Total domestic deposits to total assets | 82.4537% | 4,983 |
| Equity capital to assets | 8.9247% | 5,648 |
| Core capital (leverage) ratio | 9.1370% | 4,566 |
| Tier 1 risk-based capital ratio | 11.9021% | 5,898 |
| Total risk-based capital ratio | 13.1416% | 5,886 |
| Memoranda: | ||
| Average total assets | $298,773,800 | 2,144 |
| Average earning assets | $275,056,800 | 2,134 |
| Average equity | $26,983,400 | 2,401 |
| Average total loans | $229,958,600 | 1,809 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2683% | 1,972 |
| Cost of funding earning assets | 1.4023% | 1,224 |
| Net interest margin | 3.8660% | 3,540 |
| Noninterest income to average assets | 0.1736% | 6,347 |
| Noninterest expense to average assets | 2.5549% | 5,261 |
| Loan and lease loss provision to assets | 0.3071% | 3,074 |
| Net operating income to assets | 0.6453% | 3,895 |
| Return on assets (ROA) | 0.6826% | 3,871 |
| Pretax return on assets | 0.9033% | 3,749 |
| Return on Equity (ROE) | 7.5345% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.5345% | 1,699 |
| Net charge-offs to loans | 0.4644% | 2,879 |
| Credit loss provision to net charge-offs | 86.3464% | 3,905 |
| Earnings coverage of net charge-offs (x) | 3.2655% | 3,517 |
| Efficiency ratio | 68.7477% | 4,167 |
| Assets per employee ($millions) | 4.0412% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 5,055 |
| Loan loss allowance to noncurrent loans | 42.7598% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.9344% | 1,563 |
| Noncurrent loans to loans | 3.0183% | 2,290 |
| Net loans and leases to total assets | 79.6933% | 546 |
| Net loans and leases to deposits | 99.5828% | 489 |
| Net loans and leases to core deposits | 111.8036% | 617 |
| Total domestic deposits to total assets | 80.0272% | 5,725 |
| Equity capital to assets | 9.4413% | 5,175 |
| Core capital (leverage) ratio | 9.5422% | 4,091 |
| Tier 1 risk-based capital ratio | 12.0858% | 5,835 |
| Total risk-based capital ratio | 13.3412% | 5,822 |
| Memoranda: | ||
| Average total assets | $296,526,500 | 2,160 |
| Average earning assets | $271,729,500 | 2,160 |
| Average equity | $26,862,500 | 2,407 |
| Average total loans | $227,078,750 | 1,839 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 2,295 |
| Cost of funding earning assets | 1.4220% | 1,324 |
| Net interest margin | 3.7691% | 3,946 |
| Noninterest income to average assets | 0.1724% | 6,429 |
| Noninterest expense to average assets | 2.4987% | 5,541 |
| Loan and lease loss provision to assets | 0.2700% | 3,232 |
| Net operating income to assets | 0.6746% | 3,669 |
| Return on assets (ROA) | 0.6767% | 3,777 |
| Pretax return on assets | 0.8686% | 3,763 |
| Return on Equity (ROE) | 7.5757% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.5757% | 1,627 |
| Net charge-offs to loans | 0.1818% | 4,073 |
| Credit loss provision to net charge-offs | 197.5369% | 1,535 |
| Earnings coverage of net charge-offs (x) | 8.3103% | 2,082 |
| Efficiency ratio | 68.7477% | 4,379 |
| Assets per employee ($millions) | 3.9511% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 4,203 |
| Loan loss allowance to noncurrent loans | 43.6540% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.8792% | 1,667 |
| Noncurrent loans to loans | 3.3998% | 2,092 |
| Net loans and leases to total assets | 76.7579% | 951 |
| Net loans and leases to deposits | 95.8815% | 735 |
| Net loans and leases to core deposits | 108.3942% | 791 |
| Total domestic deposits to total assets | 80.0549% | 5,809 |
| Equity capital to assets | 9.3336% | 5,097 |
| Core capital (leverage) ratio | 9.2541% | 4,318 |
| Tier 1 risk-based capital ratio | 12.2346% | 5,577 |
| Total risk-based capital ratio | 13.4642% | 5,581 |
| Memoranda: | ||
| Average total assets | $297,031,670 | 2,167 |
| Average earning assets | $272,853,000 | 2,156 |
| Average equity | $26,532,330 | 2,420 |
| Average total loans | $223,379,000 | 1,883 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 2,783 |
| Cost of funding earning assets | 1.5078% | 1,135 |
| Net interest margin | 3.5608% | 4,766 |
| Noninterest income to average assets | 0.2566% | 5,844 |
| Noninterest expense to average assets | 2.4680% | 5,679 |
| Loan and lease loss provision to assets | 0.2231% | 3,426 |
| Net operating income to assets | 0.6160% | 3,959 |
| Return on assets (ROA) | 0.6160% | 4,024 |
| Pretax return on assets | 0.8378% | 3,750 |
| Return on Equity (ROE) | 7.0507% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.0507% | 2,123 |
| Net charge-offs to loans | 0.1483% | 3,594 |
| Credit loss provision to net charge-offs | 203.6585% | 1,461 |
| Earnings coverage of net charge-offs (x) | 9.6829% | 1,699 |
| Efficiency ratio | 69.9356% | 4,287 |
| Assets per employee ($millions) | 4.2697% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,358 |
| Loan loss allowance to noncurrent loans | 62.4785% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 3.1522% | 2,184 |
| Noncurrent loans to loans | 2.3484% | 3,140 |
| Net loans and leases to total assets | 72.3714% | 1,639 |
| Net loans and leases to deposits | 90.2804% | 1,199 |
| Net loans and leases to core deposits | 101.8396% | 1,213 |
| Total domestic deposits to total assets | 80.1630% | 5,902 |
| Equity capital to assets | 8.7171% | 5,634 |
| Core capital (leverage) ratio | 8.8100% | 4,911 |
| Tier 1 risk-based capital ratio | 12.1441% | 5,558 |
| Total risk-based capital ratio | 13.3738% | 5,574 |
| Memoranda: | ||
| Average total assets | $299,356,000 | 2,165 |
| Average earning assets | $275,103,500 | 2,159 |
| Average equity | $26,153,500 | 2,439 |
| Average total loans | $221,164,500 | 1,919 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 3,891 |
| Cost of funding earning assets | 1.8633% | 960 |
| Net interest margin | 3.2801% | 6,038 |
| Noninterest income to average assets | 0.2040% | 6,326 |
| Noninterest expense to average assets | 2.3509% | 6,217 |
| Loan and lease loss provision to assets | 0.3157% | 4,278 |
| Net operating income to assets | 0.3574% | 4,715 |
| Return on assets (ROA) | 0.3993% | 4,682 |
| Pretax return on assets | 0.6046% | 4,308 |
| Return on Equity (ROE) | 4.7443% | 4,179 |
| Retained earnings to average equity (ytd only) | 4.7443% | 2,582 |
| Net charge-offs to loans | 0.4528% | 3,804 |
| Credit loss provision to net charge-offs | 95.9799% | 4,842 |
| Earnings coverage of net charge-offs (x) | 2.6050% | 3,798 |
| Efficiency ratio | 73.2894% | 3,533 |
| Assets per employee ($millions) | 4.1628% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 4,291 |
| Loan loss allowance to noncurrent loans | 107.1020% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 2.6898% | 2,594 |
| Noncurrent loans to loans | 1.3525% | 4,455 |
| Net loans and leases to total assets | 73.2455% | 1,817 |
| Net loans and leases to deposits | 91.6812% | 1,298 |
| Net loans and leases to core deposits | 104.9975% | 1,255 |
| Total domestic deposits to total assets | 79.8915% | 5,864 |
| Equity capital to assets | 8.7565% | 5,501 |
| Core capital (leverage) ratio | 8.6250% | 5,150 |
| Tier 1 risk-based capital ratio | 11.9414% | 5,528 |
| Total risk-based capital ratio | 13.1940% | 5,506 |
| Memoranda: | ||
| Average total assets | $302,523,000 | 2,139 |
| Average earning assets | $277,030,600 | 2,138 |
| Average equity | $25,462,200 | 2,507 |
| Average total loans | $219,740,800 | 1,971 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 4,271 |
| Cost of funding earning assets | 1.9162% | 978 |
| Net interest margin | 3.1930% | 6,366 |
| Noninterest income to average assets | 0.1792% | 6,597 |
| Noninterest expense to average assets | 2.3098% | 6,294 |
| Loan and lease loss provision to assets | 0.2340% | 4,733 |
| Net operating income to assets | 0.4037% | 4,734 |
| Return on assets (ROA) | 0.4492% | 4,731 |
| Pretax return on assets | 0.6266% | 4,505 |
| Return on Equity (ROE) | 5.3895% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.3895% | 2,711 |
| Net charge-offs to loans | 0.3944% | 3,710 |
| Credit loss provision to net charge-offs | 82.1538% | 5,065 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 3,741 |
| Efficiency ratio | 74.3337% | 3,262 |
| Assets per employee ($millions) | 4.2872% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 4,586 |
| Loan loss allowance to noncurrent loans | 68.9372% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0592% | 3,395 |
| Noncurrent loans to loans | 1.9981% | 3,682 |
| Net loans and leases to total assets | 73.0827% | 2,002 |
| Net loans and leases to deposits | 94.0096% | 1,200 |
| Net loans and leases to core deposits | 113.9819% | 833 |
| Total domestic deposits to total assets | 77.7396% | 6,310 |
| Equity capital to assets | 8.5559% | 6,214 |
| Core capital (leverage) ratio | 8.7008% | 5,186 |
| Tier 1 risk-based capital ratio | 11.8108% | 5,627 |
| Total risk-based capital ratio | 13.0675% | 5,603 |
| Memoranda: | ||
| Average total assets | $304,263,250 | 2,158 |
| Average earning assets | $279,020,750 | 2,156 |
| Average equity | $25,357,500 | 2,557 |
| Average total loans | $219,759,000 | 2,001 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 4,636 |
| Cost of funding earning assets | 2.0182% | 862 |
| Net interest margin | 3.0473% | 6,732 |
| Noninterest income to average assets | 0.1466% | 6,850 |
| Noninterest expense to average assets | 2.2286% | 6,576 |
| Loan and lease loss provision to assets | 0.1999% | 4,871 |
| Net operating income to assets | 0.3662% | 4,908 |
| Return on assets (ROA) | 0.4194% | 4,821 |
| Pretax return on assets | 0.5904% | 4,592 |
| Return on Equity (ROE) | 5.0778% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.0778% | 2,862 |
| Net charge-offs to loans | 0.3801% | 3,459 |
| Credit loss provision to net charge-offs | 73.4300% | 4,879 |
| Earnings coverage of net charge-offs (x) | 2.6280% | 3,685 |
| Efficiency ratio | 75.7034% | 3,122 |
| Assets per employee ($millions) | 4.3172% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,338 |
| Loan loss allowance to noncurrent loans | 65.6402% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.1904% | 3,268 |
| Noncurrent loans to loans | 2.1624% | 3,517 |
| Net loans and leases to total assets | 72.5559% | 2,266 |
| Net loans and leases to deposits | 93.8277% | 1,300 |
| Net loans and leases to core deposits | 112.5815% | 999 |
| Total domestic deposits to total assets | 77.3289% | 6,425 |
| Equity capital to assets | 8.6043% | 6,004 |
| Core capital (leverage) ratio | 8.1720% | 5,995 |
| Tier 1 risk-based capital ratio | 11.7338% | 5,558 |
| Total risk-based capital ratio | 12.9877% | 5,513 |
| Memoranda: | ||
| Average total assets | $304,221,670 | 2,176 |
| Average earning assets | $279,260,670 | 2,165 |
| Average equity | $25,129,000 | 2,575 |
| Average total loans | $217,824,670 | 2,049 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 5,317 |
| Cost of funding earning assets | 2.1145% | 774 |
| Net interest margin | 2.8127% | 7,163 |
| Noninterest income to average assets | 0.1575% | 6,841 |
| Noninterest expense to average assets | 2.1809% | 6,738 |
| Loan and lease loss provision to assets | 0.1887% | 4,612 |
| Net operating income to assets | 0.2564% | 5,469 |
| Return on assets (ROA) | 0.2915% | 5,461 |
| Pretax return on assets | 0.4112% | 5,257 |
| Return on Equity (ROE) | 3.6016% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.6016% | 3,997 |
| Net charge-offs to loans | 0.2856% | 3,266 |
| Credit loss provision to net charge-offs | 93.5484% | 3,578 |
| Earnings coverage of net charge-offs (x) | 2.7290% | 3,180 |
| Efficiency ratio | 79.8475% | 2,586 |
| Assets per employee ($millions) | 4.6412% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 3,964 |
| Loan loss allowance to noncurrent loans | 54.9248% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.4928% | 2,915 |
| Noncurrent loans to loans | 2.7104% | 2,954 |
| Net loans and leases to total assets | 66.3724% | 3,777 |
| Net loans and leases to deposits | 84.4828% | 2,862 |
| Net loans and leases to core deposits | 102.0423% | 1,900 |
| Total domestic deposits to total assets | 78.5633% | 6,185 |
| Equity capital to assets | 7.8173% | 6,834 |
| Core capital (leverage) ratio | 8.0135% | 6,220 |
| Tier 1 risk-based capital ratio | 11.4290% | 5,735 |
| Total risk-based capital ratio | 12.6834% | 5,706 |
| Memoranda: | ||
| Average total assets | $307,389,500 | 2,208 |
| Average earning assets | $281,291,500 | 2,198 |
| Average equity | $24,878,000 | 2,619 |
| Average total loans | $217,114,000 | 2,101 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6840% | 3,189 |
| Cost of funding earning assets | 2.4782% | 1,076 |
| Net interest margin | 3.2058% | 6,069 |
| Noninterest income to average assets | 0.3220% | 5,787 |
| Noninterest expense to average assets | 2.5402% | 5,983 |
| Loan and lease loss provision to assets | 0.5410% | 3,664 |
| Net operating income to assets | 0.1180% | 5,155 |
| Return on assets (ROA) | 0.1820% | 5,027 |
| Pretax return on assets | 0.2765% | 4,826 |
| Return on Equity (ROE) | 2.2096% | 4,829 |
| Retained earnings to average equity (ytd only) | 2.2096% | 3,565 |
| Net charge-offs to loans | 0.5590% | 3,545 |
| Credit loss provision to net charge-offs | 119.9838% | 4,465 |
| Earnings coverage of net charge-offs (x) | 1.5979% | 4,546 |
| Efficiency ratio | 77.7016% | 3,241 |
| Assets per employee ($millions) | 4.5314% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 3,856 |
| Loan loss allowance to noncurrent loans | 75.9604% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.0228% | 3,371 |
| Noncurrent loans to loans | 1.9422% | 3,741 |
| Net loans and leases to total assets | 73.0776% | 2,487 |
| Net loans and leases to deposits | 91.1610% | 2,022 |
| Net loans and leases to core deposits | 127.0172% | 1,450 |
| Total domestic deposits to total assets | 80.1632% | 5,629 |
| Equity capital to assets | 8.3935% | 6,061 |
| Core capital (leverage) ratio | 8.6237% | 5,061 |
| Tier 1 risk-based capital ratio | 11.4704% | 5,422 |
| Total risk-based capital ratio | 12.7259% | 5,380 |
| Memoranda: | ||
| Average total assets | $273,010,400 | 2,398 |
| Average earning assets | $250,264,800 | 2,398 |
| Average equity | $22,492,600 | 2,891 |
| Average total loans | $220,201,600 | 2,101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 2,778 |
| Cost of funding earning assets | 2.5500% | 1,155 |
| Net interest margin | 3.2760% | 5,726 |
| Noninterest income to average assets | 0.3178% | 5,937 |
| Noninterest expense to average assets | 2.5303% | 5,972 |
| Loan and lease loss provision to assets | 0.2471% | 4,973 |
| Net operating income to assets | 0.3524% | 4,588 |
| Return on assets (ROA) | 0.4015% | 4,497 |
| Pretax return on assets | 0.6227% | 4,116 |
| Return on Equity (ROE) | 4.8991% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.8991% | 2,555 |
| Net charge-offs to loans | 0.4490% | 3,437 |
| Credit loss provision to net charge-offs | 66.7564% | 6,050 |
| Earnings coverage of net charge-offs (x) | 2.1427% | 4,219 |
| Efficiency ratio | 75.9256% | 3,527 |
| Assets per employee ($millions) | 4.2221% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 5,053 |
| Loan loss allowance to noncurrent loans | 79.6091% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3836% | 4,328 |
| Noncurrent loans to loans | 1.5186% | 4,378 |
| Net loans and leases to total assets | 78.8345% | 1,416 |
| Net loans and leases to deposits | 99.1592% | 1,198 |
| Net loans and leases to core deposits | 142.7482% | 807 |
| Total domestic deposits to total assets | 79.5030% | 5,624 |
| Equity capital to assets | 8.1943% | 6,648 |
| Core capital (leverage) ratio | 8.2701% | 5,882 |
| Tier 1 risk-based capital ratio | 10.4710% | 6,502 |
| Total risk-based capital ratio | 11.7212% | 6,454 |
| Memoranda: | ||
| Average total assets | $267,628,250 | 2,453 |
| Average earning assets | $245,540,250 | 2,461 |
| Average equity | $21,935,250 | 2,981 |
| Average total loans | $220,635,750 | 2,120 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8715% | 2,709 |
| Cost of funding earning assets | 2.6365% | 1,192 |
| Net interest margin | 3.2350% | 5,788 |
| Noninterest income to average assets | 0.3573% | 5,651 |
| Noninterest expense to average assets | 2.5565% | 5,918 |
| Loan and lease loss provision to assets | 0.2285% | 4,752 |
| Net operating income to assets | 0.3387% | 4,722 |
| Return on assets (ROA) | 0.3695% | 4,720 |
| Pretax return on assets | 0.5972% | 4,330 |
| Return on Equity (ROE) | 4.5074% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.5074% | 2,786 |
| Net charge-offs to loans | 0.5253% | 2,749 |
| Credit loss provision to net charge-offs | 52.1739% | 5,732 |
| Earnings coverage of net charge-offs (x) | 1.7757% | 4,226 |
| Efficiency ratio | 76.4679% | 3,603 |
| Assets per employee ($millions) | 4.1089% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,839 |
| Loan loss allowance to noncurrent loans | 77.2883% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4770% | 4,023 |
| Noncurrent loans to loans | 1.5713% | 4,144 |
| Net loans and leases to total assets | 79.8381% | 1,342 |
| Net loans and leases to deposits | 103.2484% | 971 |
| Net loans and leases to core deposits | 147.8491% | 702 |
| Total domestic deposits to total assets | 77.3262% | 6,247 |
| Equity capital to assets | 7.8592% | 6,903 |
| Core capital (leverage) ratio | 8.0933% | 6,173 |
| Tier 1 risk-based capital ratio | 10.0244% | 6,890 |
| Total risk-based capital ratio | 11.2635% | 6,838 |
| Memoranda: | ||
| Average total assets | $262,544,330 | 2,510 |
| Average earning assets | $241,609,330 | 2,506 |
| Average equity | $21,520,330 | 3,028 |
| Average total loans | $218,935,670 | 2,166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9309% | 2,646 |
| Cost of funding earning assets | 2.8024% | 975 |
| Net interest margin | 3.1285% | 6,109 |
| Noninterest income to average assets | 0.4029% | 5,189 |
| Noninterest expense to average assets | 2.5296% | 5,730 |
| Loan and lease loss provision to assets | 0.2014% | 4,432 |
| Net operating income to assets | 0.4249% | 4,763 |
| Return on assets (ROA) | 0.5731% | 4,324 |
| Pretax return on assets | 0.7807% | 4,148 |
| Return on Equity (ROE) | 6.8398% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.8398% | 2,268 |
| Net charge-offs to loans | 0.4715% | 2,266 |
| Credit loss provision to net charge-offs | 50.3906% | 4,671 |
| Earnings coverage of net charge-offs (x) | 1.9492% | 3,743 |
| Efficiency ratio | 76.2152% | 3,451 |
| Assets per employee ($millions) | 4.0284% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,071 |
| Loan loss allowance to noncurrent loans | 218.9854% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 5,152 |
| Noncurrent loans to loans | 0.5941% | 5,911 |
| Net loans and leases to total assets | 85.1670% | 529 |
| Net loans and leases to deposits | 111.5839% | 539 |
| Net loans and leases to core deposits | 154.8919% | 583 |
| Total domestic deposits to total assets | 76.3255% | 6,448 |
| Equity capital to assets | 8.5267% | 6,032 |
| Core capital (leverage) ratio | 8.2886% | 5,925 |
| Tier 1 risk-based capital ratio | 10.1364% | 6,766 |
| Total risk-based capital ratio | 11.3874% | 6,685 |
| Memoranda: | ||
| Average total assets | $256,168,500 | 2,577 |
| Average earning assets | $237,938,500 | 2,551 |
| Average equity | $21,462,500 | 3,051 |
| Average total loans | $217,157,000 | 2,200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5173% | 2,879 |
| Cost of funding earning assets | 3.2125% | 1,154 |
| Net interest margin | 3.3047% | 6,019 |
| Noninterest income to average assets | 0.3370% | 6,043 |
| Noninterest expense to average assets | 2.6331% | 5,519 |
| Loan and lease loss provision to assets | 0.3989% | 3,298 |
| Net operating income to assets | 0.2360% | 5,738 |
| Return on assets (ROA) | 0.3198% | 5,300 |
| Pretax return on assets | 0.4978% | 4,981 |
| Return on Equity (ROE) | 3.6342% | 4,981 |
| Retained earnings to average equity (ytd only) | 2.7687% | 3,456 |
| Net charge-offs to loans | 0.1773% | 4,432 |
| Credit loss provision to net charge-offs | 278.0059% | 1,642 |
| Earnings coverage of net charge-offs (x) | 5.3372% | 3,679 |
| Efficiency ratio | 77.2468% | 3,048 |
| Assets per employee ($millions) | 3.9776% | 3,573 |
| Cash dividends to net income (ytd only)* | 23.8158% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 3,300 |
| Loan loss allowance to noncurrent loans | 278.1308% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 5,074 |
| Noncurrent loans to loans | 0.4969% | 5,857 |
| Net loans and leases to total assets | 82.1296% | 1,205 |
| Net loans and leases to deposits | 107.5830% | 1,001 |
| Net loans and leases to core deposits | 149.8881% | 860 |
| Total domestic deposits to total assets | 76.3407% | 6,156 |
| Equity capital to assets | 8.2326% | 6,505 |
| Core capital (leverage) ratio | 8.2621% | 6,028 |
| Tier 1 risk-based capital ratio | 10.0505% | 6,685 |
| Total risk-based capital ratio | 11.3026% | 6,559 |
| Memoranda: | ||
| Average total assets | $237,666,000 | 2,674 |
| Average earning assets | $220,199,600 | 2,656 |
| Average equity | $20,912,400 | 3,103 |
| Average total loans | $192,351,000 | 2,368 |