Home > The First National Bank and Trust Company of Miami > Performance and Condition Ratios
The First National Bank and Trust Company of Miami, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4236% | 1,269 |
| Cost of funding earning assets | 0.1281% | 4,475 |
| Net interest margin | 5.2955% | 241 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.5121% | 2,260 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.1389% | 373 |
| Return on assets (ROA) | 2.1389% | 366 |
| Pretax return on assets | 2.7949% | 256 |
| Return on Equity (ROE) | 24.3800% | 333 |
| Retained earnings to average equity (ytd only) | 22.0978% | 104 |
| Net charge-offs to loans | 0.0618% | 1,234 |
| Credit loss provision to net charge-offs | 186.2069% | 1,279 |
| Earnings coverage of net charge-offs (x) | 105.1379% | 879 |
| Efficiency ratio | 46.8124% | 4,156 |
| Assets per employee ($millions) | 5.7989% | 2,981 |
| Cash dividends to net income (ytd only)* | 9.3586% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,281 |
| Loan loss allowance to noncurrent loans | 2,146.4286% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,505 |
| Noncurrent loans to loans | 0.0561% | 3,318 |
| Net loans and leases to total assets | 46.0000% | 3,814 |
| Net loans and leases to deposits | 51.2623% | 3,902 |
| Net loans and leases to core deposits | 51.5044% | 4,046 |
| Total domestic deposits to total assets | 89.7400% | 829 |
| Equity capital to assets | 9.4948% | 2,349 |
| Core capital (leverage) ratio | 9.8577% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $214,320,000 | 2,878 |
| Average earning assets | $196,770,000 | 2,898 |
| Average equity | $18,802,800 | 2,950 |
| Average total loans | $93,910,000 | 3,243 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 1,338 |
| Cost of funding earning assets | 0.1282% | 4,495 |
| Net interest margin | 5.1342% | 271 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4599% | 2,347 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.0106% | 495 |
| Return on assets (ROA) | 2.0106% | 485 |
| Pretax return on assets | 2.7051% | 310 |
| Return on Equity (ROE) | 23.4000% | 465 |
| Retained earnings to average equity (ytd only) | 22.6677% | 177 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.1721% | 4,081 |
| Assets per employee ($millions) | 5.9556% | 2,800 |
| Cash dividends to net income (ytd only)* | 3.1260% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,784 |
| Loan loss allowance to noncurrent loans | 979.8387% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,248 |
| Noncurrent loans to loans | 0.1345% | 2,883 |
| Net loans and leases to total assets | 41.2900% | 4,011 |
| Net loans and leases to deposits | 45.8588% | 4,053 |
| Net loans and leases to core deposits | 46.0091% | 4,128 |
| Total domestic deposits to total assets | 90.0400% | 929 |
| Equity capital to assets | 9.0907% | 2,371 |
| Core capital (leverage) ratio | 9.2778% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $214,260,250 | 2,889 |
| Average earning assets | $196,505,750 | 2,902 |
| Average equity | $18,410,500 | 2,972 |
| Average total loans | $92,411,500 | 3,263 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 1,526 |
| Cost of funding earning assets | 0.1301% | 4,496 |
| Net interest margin | 4.8939% | 350 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.4851% | 2,245 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.8452% | 612 |
| Return on assets (ROA) | 1.8452% | 610 |
| Pretax return on assets | 2.4832% | 366 |
| Return on Equity (ROE) | 21.9100% | 544 |
| Retained earnings to average equity (ytd only) | 21.9138% | 187 |
| Net charge-offs to loans | 0.0022% | 2,287 |
| Credit loss provision to net charge-offs | 3,600.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 2,671.0000% | 46 |
| Efficiency ratio | 49.5290% | 3,964 |
| Assets per employee ($millions) | 5.8615% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,246 |
| Loan loss allowance to noncurrent loans | 330.6407% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 2,403 |
| Noncurrent loans to loans | 0.3740% | 1,804 |
| Net loans and leases to total assets | 43.7200% | 3,892 |
| Net loans and leases to deposits | 48.2557% | 3,981 |
| Net loans and leases to core deposits | 48.4771% | 4,053 |
| Total domestic deposits to total assets | 90.5900% | 758 |
| Equity capital to assets | 8.6977% | 2,718 |
| Core capital (leverage) ratio | 8.7813% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6743% | 449 |
| Memoranda: | ||
| Average total assets | $212,228,333 | 2,917 |
| Average earning assets | $195,263,333 | 2,926 |
| Average equity | $17,870,000 | 3,030 |
| Average total loans | $92,481,000 | 3,262 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 2,179 |
| Cost of funding earning assets | 0.1211% | 4,508 |
| Net interest margin | 4.4339% | 645 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3668% | 2,618 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.6579% | 890 |
| Return on assets (ROA) | 1.6579% | 889 |
| Pretax return on assets | 2.2315% | 541 |
| Return on Equity (ROE) | 20.0300% | 763 |
| Retained earnings to average equity (ytd only) | 20.0305% | 377 |
| Net charge-offs to loans | 0.0044% | 1,817 |
| Credit loss provision to net charge-offs | 1,800.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 1,189.0000% | 84 |
| Efficiency ratio | 50.8433% | 3,866 |
| Assets per employee ($millions) | 5.7388% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,264 |
| Loan loss allowance to noncurrent loans | 806.2069% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 2,990 |
| Noncurrent loans to loans | 0.1557% | 2,709 |
| Net loans and leases to total assets | 43.3000% | 3,894 |
| Net loans and leases to deposits | 47.7063% | 3,972 |
| Net loans and leases to core deposits | 47.8657% | 4,052 |
| Total domestic deposits to total assets | 90.7600% | 884 |
| Equity capital to assets | 8.4498% | 2,931 |
| Core capital (leverage) ratio | 8.5467% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3617% | 548 |
| Memoranda: | ||
| Average total assets | $209,905,500 | 2,972 |
| Average earning assets | $194,864,500 | 2,963 |
| Average equity | $17,373,500 | 3,100 |
| Average total loans | $90,723,000 | 3,320 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9893% | 4,144 |
| Cost of funding earning assets | 0.1480% | 4,136 |
| Net interest margin | 2.8413% | 3,806 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.1735% | 3,090 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7157% | 3,571 |
| Return on assets (ROA) | 0.7157% | 3,518 |
| Pretax return on assets | 0.9302% | 3,269 |
| Return on Equity (ROE) | 10.0700% | 2,783 |
| Retained earnings to average equity (ytd only) | 10.0717% | 1,124 |
| Net charge-offs to loans | -0.0011% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.0558% | 1,819 |
| Assets per employee ($millions) | 5.6074% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,874 |
| Loan loss allowance to noncurrent loans | 643.5754% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 1,727 |
| Noncurrent loans to loans | 0.2026% | 2,478 |
| Net loans and leases to total assets | 42.0200% | 3,978 |
| Net loans and leases to deposits | 46.0463% | 4,056 |
| Net loans and leases to core deposits | 46.2027% | 4,113 |
| Total domestic deposits to total assets | 91.2600% | 854 |
| Equity capital to assets | 8.0998% | 2,993 |
| Core capital (leverage) ratio | 7.8203% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4412% | 450 |
| Memoranda: | ||
| Average total assets | $223,276,600 | 2,886 |
| Average earning assets | $210,184,000 | 2,859 |
| Average equity | $15,866,200 | 3,287 |
| Average total loans | $88,622,000 | 3,306 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5739% | 4,409 |
| Cost of funding earning assets | 0.1350% | 3,987 |
| Net interest margin | 2.4389% | 4,275 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1446% | 3,088 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4571% | 4,159 |
| Return on assets (ROA) | 0.4571% | 4,102 |
| Pretax return on assets | 0.5721% | 4,034 |
| Return on Equity (ROE) | 6.6400% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.6445% | 2,497 |
| Net charge-offs to loans | 0.0015% | 2,255 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,020.0000% | 149 |
| Efficiency ratio | 77.7540% | 936 |
| Assets per employee ($millions) | 6.1208% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,043 |
| Loan loss allowance to noncurrent loans | 508.9686% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 1,731 |
| Noncurrent loans to loans | 0.2547% | 2,362 |
| Net loans and leases to total assets | 38.1700% | 4,142 |
| Net loans and leases to deposits | 41.2708% | 4,200 |
| Net loans and leases to core deposits | 41.3975% | 4,242 |
| Total domestic deposits to total assets | 92.4800% | 723 |
| Equity capital to assets | 7.0499% | 3,487 |
| Core capital (leverage) ratio | 7.2677% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9262% | 571 |
| Memoranda: | ||
| Average total assets | $227,227,000 | 2,881 |
| Average earning assets | $214,246,750 | 2,856 |
| Average equity | $15,631,500 | 3,353 |
| Average total loans | $88,693,250 | 3,318 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2701% | 4,538 |
| Cost of funding earning assets | 0.1091% | 4,091 |
| Net interest margin | 2.1610% | 4,479 |
| Noninterest income to average assets | 0.4440% | 2,488 |
| Noninterest expense to average assets | 2.1373% | 3,037 |
| Loan and lease loss provision to assets | 0.0264% | 2,123 |
| Net operating income to assets | 0.2822% | 4,321 |
| Return on assets (ROA) | 0.2822% | 4,272 |
| Pretax return on assets | 0.3174% | 4,275 |
| Return on Equity (ROE) | 4.1366% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.1366% | 3,035 |
| Net charge-offs to loans | 0.0045% | 1,857 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 547 |
| Efficiency ratio | 85.6839% | 592 |
| Assets per employee ($millions) | 6.1473% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,480 |
| Loan loss allowance to noncurrent loans | 708.2278% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 1,933 |
| Noncurrent loans to loans | 0.1748% | 2,818 |
| Net loans and leases to total assets | 39.2422% | 4,115 |
| Net loans and leases to deposits | 42.3697% | 4,181 |
| Net loans and leases to core deposits | 42.5525% | 4,245 |
| Total domestic deposits to total assets | 92.6186% | 609 |
| Equity capital to assets | 6.9761% | 3,786 |
| Core capital (leverage) ratio | 7.2301% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3671% | 670 |
| Memoranda: | ||
| Average total assets | $227,479,000 | 2,901 |
| Average earning assets | $214,441,333 | 2,885 |
| Average equity | $15,520,000 | 3,451 |
| Average total loans | $89,067,667 | 3,338 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1256% | 4,569 |
| Cost of funding earning assets | 0.0970% | 4,172 |
| Net interest margin | 2.0286% | 4,491 |
| Noninterest income to average assets | 0.4114% | 2,608 |
| Noninterest expense to average assets | 2.0959% | 3,157 |
| Loan and lease loss provision to assets | 0.0264% | 1,889 |
| Net operating income to assets | 0.1477% | 4,407 |
| Return on assets (ROA) | 0.1477% | 4,375 |
| Pretax return on assets | 0.2022% | 4,326 |
| Return on Equity (ROE) | 2.1894% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.1894% | 3,495 |
| Net charge-offs to loans | 0.0181% | 1,170 |
| Credit loss provision to net charge-offs | 375.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,095 |
| Efficiency ratio | 89.7126% | 561 |
| Assets per employee ($millions) | 5.8486% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,628 |
| Loan loss allowance to noncurrent loans | 781.5603% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 2,002 |
| Noncurrent loans to loans | 0.1593% | 3,009 |
| Net loans and leases to total assets | 40.3973% | 3,986 |
| Net loans and leases to deposits | 43.6088% | 4,083 |
| Net loans and leases to core deposits | 43.8063% | 4,169 |
| Total domestic deposits to total assets | 92.6358% | 368 |
| Equity capital to assets | 7.0514% | 4,188 |
| Core capital (leverage) ratio | 7.0082% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7265% | 672 |
| Memoranda: | ||
| Average total assets | $227,494,000 | 2,915 |
| Average earning assets | $214,529,000 | 2,902 |
| Average equity | $15,346,500 | 3,531 |
| Average total loans | $88,414,000 | 3,353 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3873% | 4,545 |
| Cost of funding earning assets | 0.1033% | 4,360 |
| Net interest margin | 2.2840% | 4,428 |
| Noninterest income to average assets | 0.8796% | 1,254 |
| Noninterest expense to average assets | 2.1913% | 3,115 |
| Loan and lease loss provision to assets | 0.0347% | 2,361 |
| Net operating income to assets | 0.6274% | 3,820 |
| Return on assets (ROA) | 0.6274% | 3,860 |
| Pretax return on assets | 0.8120% | 3,699 |
| Return on Equity (ROE) | 9.2025% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.2025% | 1,139 |
| Net charge-offs to loans | 0.0282% | 1,674 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 73.2000% | 1,050 |
| Efficiency ratio | 71.7332% | 1,538 |
| Assets per employee ($millions) | 6.4484% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,705 |
| Loan loss allowance to noncurrent loans | 630.6358% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 2,205 |
| Noncurrent loans to loans | 0.1959% | 2,970 |
| Net loans and leases to total assets | 36.5548% | 4,259 |
| Net loans and leases to deposits | 39.2232% | 4,360 |
| Net loans and leases to core deposits | 39.3832% | 4,411 |
| Total domestic deposits to total assets | 93.1967% | 39 |
| Equity capital to assets | 6.4688% | 4,796 |
| Core capital (leverage) ratio | 6.4984% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9228% | 660 |
| Memoranda: | ||
| Average total assets | $216,128,000 | 2,939 |
| Average earning assets | $204,247,800 | 2,924 |
| Average equity | $14,735,200 | 3,666 |
| Average total loans | $88,765,200 | 3,352 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4671% | 4,592 |
| Cost of funding earning assets | 0.1069% | 4,447 |
| Net interest margin | 2.3603% | 4,438 |
| Noninterest income to average assets | 1.0355% | 1,008 |
| Noninterest expense to average assets | 2.1034% | 3,352 |
| Loan and lease loss provision to assets | 0.0380% | 2,232 |
| Net operating income to assets | 0.8709% | 3,322 |
| Return on assets (ROA) | 0.8709% | 3,397 |
| Pretax return on assets | 1.1185% | 3,162 |
| Return on Equity (ROE) | 12.5908% | 1,832 |
| Retained earnings to average equity (ytd only) | 12.5908% | 704 |
| Net charge-offs to loans | 0.0150% | 1,788 |
| Credit loss provision to net charge-offs | 600.0000% | 701 |
| Earnings coverage of net charge-offs (x) | 182.6000% | 591 |
| Efficiency ratio | 64.1539% | 2,364 |
| Assets per employee ($millions) | 6.3521% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,719 |
| Loan loss allowance to noncurrent loans | 894.2623% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 2,523 |
| Noncurrent loans to loans | 0.1400% | 3,413 |
| Net loans and leases to total assets | 36.6081% | 4,356 |
| Net loans and leases to deposits | 39.3373% | 4,477 |
| Net loans and leases to core deposits | 39.5002% | 4,528 |
| Total domestic deposits to total assets | 93.0621% | 30 |
| Equity capital to assets | 6.6150% | 4,859 |
| Core capital (leverage) ratio | 6.5149% | 4,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4375% | 756 |
| Memoranda: | ||
| Average total assets | $210,512,500 | 3,014 |
| Average earning assets | $198,391,250 | 3,000 |
| Average equity | $14,560,500 | 3,730 |
| Average total loans | $88,879,750 | 3,395 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5742% | 4,564 |
| Cost of funding earning assets | 0.1100% | 4,510 |
| Net interest margin | 2.4642% | 4,348 |
| Noninterest income to average assets | 0.9993% | 1,072 |
| Noninterest expense to average assets | 2.1488% | 3,246 |
| Loan and lease loss provision to assets | 0.0445% | 2,124 |
| Net operating income to assets | 0.8066% | 3,488 |
| Return on assets (ROA) | 0.8066% | 3,564 |
| Pretax return on assets | 1.1318% | 3,109 |
| Return on Equity (ROE) | 11.4674% | 2,246 |
| Retained earnings to average equity (ytd only) | 11.4674% | 1,021 |
| Net charge-offs to loans | 0.0268% | 1,416 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 99.1667% | 757 |
| Efficiency ratio | 64.2390% | 2,394 |
| Assets per employee ($millions) | 6.5442% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 3,065 |
| Loan loss allowance to noncurrent loans | 516.3462% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 2,530 |
| Noncurrent loans to loans | 0.2278% | 3,148 |
| Net loans and leases to total assets | 37.2609% | 4,416 |
| Net loans and leases to deposits | 39.9419% | 4,521 |
| Net loans and leases to core deposits | 40.1017% | 4,578 |
| Total domestic deposits to total assets | 93.2877% | 23 |
| Equity capital to assets | 6.2019% | 4,914 |
| Core capital (leverage) ratio | 6.8727% | 4,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3859% | 901 |
| Memoranda: | ||
| Average total assets | $202,341,000 | 3,082 |
| Average earning assets | $190,972,667 | 3,057 |
| Average equity | $14,231,667 | 3,771 |
| Average total loans | $89,463,000 | 3,408 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8207% | 4,355 |
| Cost of funding earning assets | 0.1171% | 4,540 |
| Net interest margin | 2.7035% | 3,959 |
| Noninterest income to average assets | 0.5591% | 2,376 |
| Noninterest expense to average assets | 2.3898% | 2,521 |
| Loan and lease loss provision to assets | 0.0658% | 1,828 |
| Net operating income to assets | 0.4692% | 4,237 |
| Return on assets (ROA) | 0.4692% | 4,273 |
| Pretax return on assets | 0.6336% | 4,136 |
| Return on Equity (ROE) | 6.1854% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.1854% | 2,834 |
| Net charge-offs to loans | -0.0045% | 3,353 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9340% | 1,044 |
| Assets per employee ($millions) | 5.2364% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,126 |
| Loan loss allowance to noncurrent loans | 235.0877% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 1,916 |
| Noncurrent loans to loans | 0.4953% | 2,368 |
| Net loans and leases to total assets | 45.7303% | 3,978 |
| Net loans and leases to deposits | 49.4627% | 4,191 |
| Net loans and leases to core deposits | 49.6378% | 4,313 |
| Total domestic deposits to total assets | 92.4542% | 77 |
| Equity capital to assets | 6.9950% | 4,848 |
| Core capital (leverage) ratio | 8.1197% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,443,500 | 3,231 |
| Average earning assets | $170,740,500 | 3,202 |
| Average equity | $13,839,000 | 3,809 |
| Average total loans | $88,546,500 | 3,431 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 3,426 |
| Cost of funding earning assets | 0.1356% | 4,772 |
| Net interest margin | 3.6207% | 2,070 |
| Noninterest income to average assets | 0.5891% | 2,258 |
| Noninterest expense to average assets | 2.9879% | 1,461 |
| Loan and lease loss provision to assets | 0.0915% | 3,213 |
| Net operating income to assets | 0.7218% | 3,361 |
| Return on assets (ROA) | 0.7218% | 3,493 |
| Pretax return on assets | 0.8964% | 3,376 |
| Return on Equity (ROE) | 8.0854% | 2,780 |
| Retained earnings to average equity (ytd only) | 2.1019% | 3,781 |
| Net charge-offs to loans | 0.0926% | 1,528 |
| Credit loss provision to net charge-offs | 172.8395% | 2,304 |
| Earnings coverage of net charge-offs (x) | 18.6543% | 2,013 |
| Efficiency ratio | 74.7246% | 1,363 |
| Assets per employee ($millions) | 4.6084% | 3,800 |
| Cash dividends to net income (ytd only)* | 74.0036% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,820 |
| Loan loss allowance to noncurrent loans | 186.2254% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 1,687 |
| Noncurrent loans to loans | 0.6575% | 2,036 |
| Net loans and leases to total assets | 50.6224% | 3,774 |
| Net loans and leases to deposits | 55.4035% | 4,035 |
| Net loans and leases to core deposits | 55.4995% | 4,180 |
| Total domestic deposits to total assets | 91.3703% | 152 |
| Equity capital to assets | 8.2934% | 4,578 |
| Core capital (leverage) ratio | 8.4110% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,947,800 | 3,367 |
| Average earning assets | $143,065,000 | 3,348 |
| Average equity | $13,654,200 | 3,803 |
| Average total loans | $87,433,800 | 3,446 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,156 |
| Cost of funding earning assets | 0.1361% | 4,840 |
| Net interest margin | 3.7972% | 1,625 |
| Noninterest income to average assets | 0.5914% | 2,210 |
| Noninterest expense to average assets | 3.0066% | 1,432 |
| Loan and lease loss provision to assets | 0.0935% | 3,144 |
| Net operating income to assets | 0.8532% | 2,896 |
| Return on assets (ROA) | 0.8532% | 3,024 |
| Pretax return on assets | 1.0447% | 2,921 |
| Return on Equity (ROE) | 9.3726% | 2,252 |
| Retained earnings to average equity (ytd only) | 2.8666% | 3,570 |
| Net charge-offs to loans | 0.0045% | 2,989 |
| Credit loss provision to net charge-offs | 3,500.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 270 |
| Efficiency ratio | 72.1315% | 1,629 |
| Assets per employee ($millions) | 4.5303% | 3,807 |
| Cash dividends to net income (ytd only)* | 69.4154% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,586 |
| Loan loss allowance to noncurrent loans | 163.0075% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 1,656 |
| Noncurrent loans to loans | 0.7450% | 1,942 |
| Net loans and leases to total assets | 52.6053% | 3,921 |
| Net loans and leases to deposits | 57.5736% | 4,183 |
| Net loans and leases to core deposits | 57.6723% | 4,315 |
| Total domestic deposits to total assets | 91.3705% | 115 |
| Equity capital to assets | 8.2465% | 4,609 |
| Core capital (leverage) ratio | 8.7651% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,709,000 | 3,396 |
| Average earning assets | $140,100,750 | 3,370 |
| Average equity | $13,628,000 | 3,804 |
| Average total loans | $88,036,000 | 3,451 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 2,689 |
| Cost of funding earning assets | 0.1384% | 4,911 |
| Net interest margin | 4.0832% | 1,155 |
| Noninterest income to average assets | 0.5830% | 2,194 |
| Noninterest expense to average assets | 3.1432% | 1,256 |
| Loan and lease loss provision to assets | 0.0835% | 3,240 |
| Net operating income to assets | 0.9072% | 2,660 |
| Return on assets (ROA) | 0.9072% | 2,784 |
| Pretax return on assets | 1.1744% | 2,449 |
| Return on Equity (ROE) | 9.6144% | 2,106 |
| Retained earnings to average equity (ytd only) | 2.0497% | 3,732 |
| Net charge-offs to loans | 0.0091% | 2,616 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 401 |
| Efficiency ratio | 71.0085% | 1,822 |
| Assets per employee ($millions) | 4.4726% | 3,822 |
| Cash dividends to net income (ytd only)* | 78.6810% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,552 |
| Loan loss allowance to noncurrent loans | 142.7785% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 1,610 |
| Noncurrent loans to loans | 0.8360% | 1,822 |
| Net loans and leases to total assets | 51.9228% | 4,032 |
| Net loans and leases to deposits | 57.1659% | 4,260 |
| Net loans and leases to core deposits | 57.2653% | 4,388 |
| Total domestic deposits to total assets | 90.8283% | 192 |
| Equity capital to assets | 8.2870% | 4,596 |
| Core capital (leverage) ratio | 9.3257% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,738,000 | 3,442 |
| Average earning assets | $134,406,000 | 3,412 |
| Average equity | $13,563,000 | 3,817 |
| Average total loans | $87,627,333 | 3,464 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,588 |
| Cost of funding earning assets | 0.1488% | 4,971 |
| Net interest margin | 4.5910% | 423 |
| Noninterest income to average assets | 0.6443% | 1,850 |
| Noninterest expense to average assets | 3.4622% | 988 |
| Loan and lease loss provision to assets | 0.0452% | 3,212 |
| Net operating income to assets | 1.0477% | 2,012 |
| Return on assets (ROA) | 1.0477% | 2,112 |
| Pretax return on assets | 1.4090% | 1,534 |
| Return on Equity (ROE) | 10.8618% | 1,453 |
| Retained earnings to average equity (ytd only) | 0.5306% | 3,865 |
| Net charge-offs to loans | 0.0273% | 1,831 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 668 |
| Efficiency ratio | 70.0551% | 2,344 |
| Assets per employee ($millions) | 3.5908% | 4,401 |
| Cash dividends to net income (ytd only)* | 95.1149% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,198 |
| Loan loss allowance to noncurrent loans | 177.9174% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 1,618 |
| Noncurrent loans to loans | 0.6187% | 2,443 |
| Net loans and leases to total assets | 67.0167% | 2,700 |
| Net loans and leases to deposits | 75.4076% | 3,130 |
| Net loans and leases to core deposits | 75.5746% | 3,522 |
| Total domestic deposits to total assets | 88.8726% | 720 |
| Equity capital to assets | 9.7643% | 3,987 |
| Core capital (leverage) ratio | 10.4468% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,863,000 | 3,553 |
| Average earning assets | $123,634,500 | 3,527 |
| Average equity | $12,815,500 | 3,896 |
| Average total loans | $87,959,000 | 3,446 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 1,891 |
| Cost of funding earning assets | 0.1609% | 5,032 |
| Net interest margin | 4.6909% | 482 |
| Noninterest income to average assets | 0.5973% | 2,236 |
| Noninterest expense to average assets | 3.4495% | 1,031 |
| Loan and lease loss provision to assets | 0.0164% | 3,692 |
| Net operating income to assets | 1.0642% | 2,604 |
| Return on assets (ROA) | 1.0642% | 2,700 |
| Pretax return on assets | 1.4291% | 2,051 |
| Return on Equity (ROE) | 11.6101% | 1,653 |
| Retained earnings to average equity (ytd only) | 3.8998% | 3,018 |
| Net charge-offs to loans | 0.0411% | 2,566 |
| Credit loss provision to net charge-offs | 62.8571% | 3,008 |
| Earnings coverage of net charge-offs (x) | 55.4571% | 1,040 |
| Efficiency ratio | 70.0745% | 2,158 |
| Assets per employee ($millions) | 3.5909% | 4,383 |
| Cash dividends to net income (ytd only)* | 66.4101% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,732 |
| Loan loss allowance to noncurrent loans | 232.7014% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 1,780 |
| Noncurrent loans to loans | 0.4913% | 2,710 |
| Net loans and leases to total assets | 63.9040% | 3,215 |
| Net loans and leases to deposits | 71.5299% | 3,548 |
| Net loans and leases to core deposits | 71.6869% | 3,874 |
| Total domestic deposits to total assets | 89.3388% | 545 |
| Equity capital to assets | 9.5270% | 4,331 |
| Core capital (leverage) ratio | 10.5110% | 2,942 |
| Tier 1 risk-based capital ratio | 17.3331% | 1,948 |
| Total risk-based capital ratio | 18.5546% | 1,906 |
| Memoranda: | ||
| Average total assets | $134,282,000 | 3,513 |
| Average earning assets | $123,026,200 | 3,518 |
| Average equity | $12,308,200 | 3,958 |
| Average total loans | $85,107,600 | 3,500 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 2,003 |
| Cost of funding earning assets | 0.1571% | 5,113 |
| Net interest margin | 4.6818% | 514 |
| Noninterest income to average assets | 0.5952% | 2,225 |
| Noninterest expense to average assets | 3.4462% | 1,018 |
| Loan and lease loss provision to assets | 0.0218% | 3,479 |
| Net operating income to assets | 1.0517% | 2,780 |
| Return on assets (ROA) | 1.0517% | 2,868 |
| Pretax return on assets | 1.4072% | 2,286 |
| Return on Equity (ROE) | 11.5865% | 1,766 |
| Retained earnings to average equity (ytd only) | 3.4258% | 3,697 |
| Net charge-offs to loans | 0.0487% | 2,142 |
| Credit loss provision to net charge-offs | 70.9677% | 2,608 |
| Earnings coverage of net charge-offs (x) | 46.5509% | 1,252 |
| Efficiency ratio | 70.3027% | 2,073 |
| Assets per employee ($millions) | 3.5638% | 4,441 |
| Cash dividends to net income (ytd only)* | 70.4335% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,731 |
| Loan loss allowance to noncurrent loans | 188.1679% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 1,748 |
| Noncurrent loans to loans | 0.6152% | 2,438 |
| Net loans and leases to total assets | 63.8437% | 3,300 |
| Net loans and leases to deposits | 71.4571% | 3,641 |
| Net loans and leases to core deposits | 71.6151% | 3,969 |
| Total domestic deposits to total assets | 89.3456% | 503 |
| Equity capital to assets | 9.4683% | 4,483 |
| Core capital (leverage) ratio | 10.3918% | 3,212 |
| Tier 1 risk-based capital ratio | 17.0780% | 2,058 |
| Total risk-based capital ratio | 18.3015% | 2,024 |
| Memoranda: | ||
| Average total assets | $134,636,250 | 3,544 |
| Average earning assets | $123,083,750 | 3,556 |
| Average equity | $12,220,750 | 4,003 |
| Average total loans | $84,912,500 | 3,546 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 2,237 |
| Cost of funding earning assets | 0.1499% | 5,163 |
| Net interest margin | 4.5967% | 622 |
| Noninterest income to average assets | 0.5901% | 2,199 |
| Noninterest expense to average assets | 3.3254% | 1,236 |
| Loan and lease loss provision to assets | 0.0339% | 3,149 |
| Net operating income to assets | 1.0755% | 2,625 |
| Return on assets (ROA) | 1.0755% | 2,691 |
| Pretax return on assets | 1.4370% | 2,078 |
| Return on Equity (ROE) | 12.0171% | 1,571 |
| Retained earnings to average equity (ytd only) | 3.9892% | 3,255 |
| Net charge-offs to loans | 0.0495% | 1,940 |
| Credit loss provision to net charge-offs | 109.5238% | 1,849 |
| Earnings coverage of net charge-offs (x) | 47.4762% | 1,135 |
| Efficiency ratio | 68.9326% | 2,388 |
| Assets per employee ($millions) | 3.7172% | 4,220 |
| Cash dividends to net income (ytd only)* | 66.8038% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,843 |
| Loan loss allowance to noncurrent loans | 177.8571% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 1,737 |
| Noncurrent loans to loans | 0.6413% | 2,337 |
| Net loans and leases to total assets | 62.7712% | 3,472 |
| Net loans and leases to deposits | 69.7235% | 3,862 |
| Net loans and leases to core deposits | 69.8696% | 4,115 |
| Total domestic deposits to total assets | 90.0288% | 325 |
| Equity capital to assets | 9.0282% | 4,780 |
| Core capital (leverage) ratio | 10.1429% | 3,451 |
| Tier 1 risk-based capital ratio | 16.5495% | 2,217 |
| Total risk-based capital ratio | 17.7538% | 2,184 |
| Memoranda: | ||
| Average total assets | $135,561,330 | 3,548 |
| Average earning assets | $124,046,000 | 3,558 |
| Average equity | $12,132,670 | 4,027 |
| Average total loans | $84,826,330 | 3,571 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 2,469 |
| Cost of funding earning assets | 0.1448% | 5,218 |
| Net interest margin | 4.4750% | 774 |
| Noninterest income to average assets | 0.5979% | 2,053 |
| Noninterest expense to average assets | 3.5278% | 930 |
| Loan and lease loss provision to assets | 0.0684% | 2,296 |
| Net operating income to assets | 0.8745% | 3,333 |
| Return on assets (ROA) | 0.8745% | 3,380 |
| Pretax return on assets | 1.1393% | 3,017 |
| Return on Equity (ROE) | 9.5734% | 2,559 |
| Retained earnings to average equity (ytd only) | -0.5536% | 4,600 |
| Net charge-offs to loans | 0.0574% | 1,469 |
| Credit loss provision to net charge-offs | 191.6667% | 1,078 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 1,255 |
| Efficiency ratio | 74.1206% | 1,744 |
| Assets per employee ($millions) | 3.7215% | 4,318 |
| Cash dividends to net income (ytd only)* | 105.7823% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,721 |
| Loan loss allowance to noncurrent loans | 208.2816% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 1,869 |
| Noncurrent loans to loans | 0.5635% | 2,634 |
| Net loans and leases to total assets | 61.5177% | 3,548 |
| Net loans and leases to deposits | 68.2034% | 3,908 |
| Net loans and leases to core deposits | 68.3460% | 4,162 |
| Total domestic deposits to total assets | 90.1973% | 388 |
| Equity capital to assets | 8.9406% | 4,723 |
| Core capital (leverage) ratio | 10.0220% | 3,581 |
| Tier 1 risk-based capital ratio | 16.5393% | 2,251 |
| Total risk-based capital ratio | 17.7801% | 2,205 |
| Memoranda: | ||
| Average total assets | $134,474,000 | 3,603 |
| Average earning assets | $124,334,500 | 3,597 |
| Average equity | $12,284,000 | 4,026 |
| Average total loans | $83,575,000 | 3,620 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 2,764 |
| Cost of funding earning assets | 0.1385% | 5,210 |
| Net interest margin | 4.2603% | 1,245 |
| Noninterest income to average assets | 0.5872% | 2,364 |
| Noninterest expense to average assets | 3.2427% | 1,447 |
| Loan and lease loss provision to assets | 0.0870% | 2,405 |
| Net operating income to assets | 0.9461% | 3,252 |
| Return on assets (ROA) | 0.9461% | 3,246 |
| Pretax return on assets | 1.1606% | 3,055 |
| Return on Equity (ROE) | 10.8972% | 2,126 |
| Retained earnings to average equity (ytd only) | 3.9330% | 3,412 |
| Net charge-offs to loans | 0.0576% | 2,314 |
| Credit loss provision to net charge-offs | 244.8980% | 1,212 |
| Earnings coverage of net charge-offs (x) | 35.1224% | 1,445 |
| Efficiency ratio | 71.8114% | 1,929 |
| Assets per employee ($millions) | 3.5473% | 4,499 |
| Cash dividends to net income (ytd only)* | 63.9080% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,455 |
| Loan loss allowance to noncurrent loans | 302.4316% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 2,043 |
| Noncurrent loans to loans | 0.4040% | 3,079 |
| Net loans and leases to total assets | 61.2879% | 3,629 |
| Net loans and leases to deposits | 68.1807% | 3,966 |
| Net loans and leases to core deposits | 68.3302% | 4,219 |
| Total domestic deposits to total assets | 89.8904% | 511 |
| Equity capital to assets | 9.3386% | 4,288 |
| Core capital (leverage) ratio | 9.9999% | 3,577 |
| Tier 1 risk-based capital ratio | 17.5309% | 1,892 |
| Total risk-based capital ratio | 18.7815% | 1,850 |
| Memoranda: | ||
| Average total assets | $137,940,000 | 3,538 |
| Average earning assets | $126,377,200 | 3,556 |
| Average equity | $11,975,600 | 4,033 |
| Average total loans | $85,010,000 | 3,568 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,889 |
| Cost of funding earning assets | 0.1346% | 5,262 |
| Net interest margin | 4.1854% | 1,396 |
| Noninterest income to average assets | 0.5845% | 2,391 |
| Noninterest expense to average assets | 3.2422% | 1,428 |
| Loan and lease loss provision to assets | 0.0860% | 2,254 |
| Net operating income to assets | 0.8509% | 3,739 |
| Return on assets (ROA) | 0.8509% | 3,745 |
| Pretax return on assets | 1.0858% | 3,451 |
| Return on Equity (ROE) | 9.9785% | 2,632 |
| Retained earnings to average equity (ytd only) | 2.6094% | 4,366 |
| Net charge-offs to loans | 0.0373% | 2,332 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 51.1238% | 1,158 |
| Efficiency ratio | 73.0420% | 1,726 |
| Assets per employee ($millions) | 3.7902% | 4,186 |
| Cash dividends to net income (ytd only)* | 73.8495% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,587 |
| Loan loss allowance to noncurrent loans | 111.6122% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 1,366 |
| Noncurrent loans to loans | 1.0812% | 1,575 |
| Net loans and leases to total assets | 59.4014% | 3,908 |
| Net loans and leases to deposits | 65.6366% | 4,229 |
| Net loans and leases to core deposits | 66.0581% | 4,406 |
| Total domestic deposits to total assets | 90.5004% | 344 |
| Equity capital to assets | 8.7601% | 4,750 |
| Core capital (leverage) ratio | 9.7237% | 3,922 |
| Tier 1 risk-based capital ratio | 16.8600% | 2,151 |
| Total risk-based capital ratio | 18.1104% | 2,103 |
| Memoranda: | ||
| Average total assets | $139,612,250 | 3,549 |
| Average earning assets | $127,741,000 | 3,567 |
| Average equity | $11,905,250 | 4,078 |
| Average total loans | $85,903,500 | 3,579 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 2,970 |
| Cost of funding earning assets | 0.1363% | 5,297 |
| Net interest margin | 4.1065% | 1,538 |
| Noninterest income to average assets | 0.5730% | 2,461 |
| Noninterest expense to average assets | 3.0327% | 1,960 |
| Loan and lease loss provision to assets | 0.0853% | 2,209 |
| Net operating income to assets | 0.9355% | 3,303 |
| Return on assets (ROA) | 0.9355% | 3,306 |
| Pretax return on assets | 1.2242% | 2,852 |
| Return on Equity (ROE) | 11.0687% | 2,082 |
| Retained earnings to average equity (ytd only) | 4.6596% | 3,258 |
| Net charge-offs to loans | 0.0138% | 2,680 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 153.5000% | 514 |
| Efficiency ratio | 69.4172% | 2,408 |
| Assets per employee ($millions) | 3.7459% | 4,286 |
| Cash dividends to net income (ytd only)* | 57.9027% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,165 |
| Loan loss allowance to noncurrent loans | 106.0738% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0642% | 1,395 |
| Noncurrent loans to loans | 1.0526% | 1,668 |
| Net loans and leases to total assets | 62.4915% | 3,546 |
| Net loans and leases to deposits | 69.1403% | 3,938 |
| Net loans and leases to core deposits | 69.5774% | 4,169 |
| Total domestic deposits to total assets | 90.3837% | 437 |
| Equity capital to assets | 8.6646% | 4,830 |
| Core capital (leverage) ratio | 9.5254% | 4,090 |
| Tier 1 risk-based capital ratio | 16.2556% | 2,349 |
| Total risk-based capital ratio | 17.4589% | 2,308 |
| Memoranda: | ||
| Average total assets | $140,667,000 | 3,562 |
| Average earning assets | $129,112,000 | 3,562 |
| Average equity | $11,889,330 | 4,103 |
| Average total loans | $87,190,670 | 3,579 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 3,108 |
| Cost of funding earning assets | 0.1292% | 5,357 |
| Net interest margin | 4.0056% | 1,710 |
| Noninterest income to average assets | 0.5758% | 2,391 |
| Noninterest expense to average assets | 3.1074% | 1,806 |
| Loan and lease loss provision to assets | 0.0847% | 2,113 |
| Net operating income to assets | 0.8128% | 3,656 |
| Return on assets (ROA) | 0.8128% | 3,665 |
| Pretax return on assets | 1.0584% | 3,324 |
| Return on Equity (ROE) | 9.8001% | 2,537 |
| Retained earnings to average equity (ytd only) | 4.5938% | 3,365 |
| Net charge-offs to loans | 0.0276% | 1,945 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 788 |
| Efficiency ratio | 72.7092% | 2,090 |
| Assets per employee ($millions) | 3.9236% | 4,113 |
| Cash dividends to net income (ytd only)* | 53.1250% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,446 |
| Loan loss allowance to noncurrent loans | 84.4167% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1545% | 1,331 |
| Noncurrent loans to loans | 1.2922% | 1,391 |
| Net loans and leases to total assets | 59.2100% | 3,832 |
| Net loans and leases to deposits | 65.4113% | 4,132 |
| Net loans and leases to core deposits | 65.8049% | 4,319 |
| Total domestic deposits to total assets | 90.5196% | 467 |
| Equity capital to assets | 8.1207% | 5,223 |
| Core capital (leverage) ratio | 9.4941% | 4,074 |
| Tier 1 risk-based capital ratio | 16.1388% | 2,412 |
| Total risk-based capital ratio | 17.3160% | 2,389 |
| Memoranda: | ||
| Average total assets | $141,727,000 | 3,578 |
| Average earning assets | $130,016,500 | 3,589 |
| Average equity | $11,755,000 | 4,161 |
| Average total loans | $86,991,000 | 3,606 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,180 |
| Cost of funding earning assets | 0.1339% | 5,354 |
| Net interest margin | 3.9331% | 1,978 |
| Noninterest income to average assets | 0.6232% | 2,338 |
| Noninterest expense to average assets | 3.3552% | 1,284 |
| Loan and lease loss provision to assets | 0.1055% | 2,125 |
| Net operating income to assets | 0.4389% | 4,567 |
| Return on assets (ROA) | 0.4389% | 4,597 |
| Pretax return on assets | 0.7583% | 4,368 |
| Return on Equity (ROE) | 5.3646% | 4,019 |
| Retained earnings to average equity (ytd only) | 1.8742% | 4,188 |
| Net charge-offs to loans | 0.1465% | 1,620 |
| Credit loss provision to net charge-offs | 116.2791% | 2,247 |
| Earnings coverage of net charge-offs (x) | 9.5194% | 2,773 |
| Efficiency ratio | 79.0930% | 1,210 |
| Assets per employee ($millions) | 3.8411% | 4,221 |
| Cash dividends to net income (ytd only)* | 65.0641% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,550 |
| Loan loss allowance to noncurrent loans | 371.0843% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,615 |
| Noncurrent loans to loans | 0.2860% | 3,754 |
| Net loans and leases to total assets | 62.3028% | 3,580 |
| Net loans and leases to deposits | 69.0644% | 3,946 |
| Net loans and leases to core deposits | 69.5018% | 4,204 |
| Total domestic deposits to total assets | 90.2098% | 494 |
| Equity capital to assets | 8.4762% | 5,142 |
| Core capital (leverage) ratio | 9.2115% | 4,382 |
| Tier 1 risk-based capital ratio | 15.6304% | 2,571 |
| Total risk-based capital ratio | 16.7739% | 2,554 |
| Memoranda: | ||
| Average total assets | $142,169,200 | 3,581 |
| Average earning assets | $129,972,200 | 3,588 |
| Average equity | $11,631,800 | 4,200 |
| Average total loans | $88,041,800 | 3,560 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,307 |
| Cost of funding earning assets | 0.1347% | 5,401 |
| Net interest margin | 3.8779% | 2,115 |
| Noninterest income to average assets | 0.6269% | 2,330 |
| Noninterest expense to average assets | 3.4939% | 1,006 |
| Loan and lease loss provision to assets | 0.1118% | 1,918 |
| Net operating income to assets | 0.3754% | 5,055 |
| Return on assets (ROA) | 0.3754% | 5,081 |
| Pretax return on assets | 0.5617% | 4,905 |
| Return on Equity (ROE) | 4.6283% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.0795% | 4,954 |
| Net charge-offs to loans | 0.1963% | 1,085 |
| Credit loss provision to net charge-offs | 92.3077% | 2,427 |
| Earnings coverage of net charge-offs (x) | 5.5615% | 3,090 |
| Efficiency ratio | 83.4153% | 804 |
| Assets per employee ($millions) | 3.6623% | 4,498 |
| Cash dividends to net income (ytd only)* | 76.6750% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,903 |
| Loan loss allowance to noncurrent loans | 347.4708% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 2,634 |
| Noncurrent loans to loans | 0.2963% | 3,877 |
| Net loans and leases to total assets | 60.0966% | 3,851 |
| Net loans and leases to deposits | 66.3303% | 4,225 |
| Net loans and leases to core deposits | 66.7346% | 4,442 |
| Total domestic deposits to total assets | 90.6021% | 293 |
| Equity capital to assets | 8.1685% | 5,453 |
| Core capital (leverage) ratio | 9.0329% | 4,704 |
| Tier 1 risk-based capital ratio | 15.1418% | 2,863 |
| Total risk-based capital ratio | 16.2237% | 2,857 |
| Memoranda: | ||
| Average total assets | $143,141,250 | 3,599 |
| Average earning assets | $130,684,500 | 3,618 |
| Average equity | $11,609,500 | 4,246 |
| Average total loans | $88,283,000 | 3,592 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,396 |
| Cost of funding earning assets | 0.1338% | 5,431 |
| Net interest margin | 3.8090% | 2,258 |
| Noninterest income to average assets | 0.6283% | 2,323 |
| Noninterest expense to average assets | 3.4766% | 1,045 |
| Loan and lease loss provision to assets | 0.0838% | 2,312 |
| Net operating income to assets | 0.3784% | 5,024 |
| Return on assets (ROA) | 0.3784% | 5,053 |
| Pretax return on assets | 0.5669% | 4,866 |
| Return on Equity (ROE) | 4.6763% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.0353% | 4,829 |
| Net charge-offs to loans | 0.0023% | 3,435 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 466.0000% | 179 |
| Efficiency ratio | 83.7957% | 861 |
| Assets per employee ($millions) | 3.4410% | 4,807 |
| Cash dividends to net income (ytd only)* | 77.8598% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,747 |
| Loan loss allowance to noncurrent loans | 111.0855% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 1,641 |
| Noncurrent loans to loans | 0.9612% | 2,041 |
| Net loans and leases to total assets | 63.1776% | 3,494 |
| Net loans and leases to deposits | 69.6869% | 3,934 |
| Net loans and leases to core deposits | 70.1167% | 4,217 |
| Total domestic deposits to total assets | 90.6592% | 309 |
| Equity capital to assets | 8.2506% | 5,419 |
| Core capital (leverage) ratio | 8.8903% | 4,855 |
| Tier 1 risk-based capital ratio | 14.7412% | 3,041 |
| Total risk-based capital ratio | 15.8784% | 3,016 |
| Memoranda: | ||
| Average total assets | $143,245,000 | 3,613 |
| Average earning assets | $131,583,670 | 3,625 |
| Average equity | $11,590,330 | 4,258 |
| Average total loans | $88,801,000 | 3,603 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 3,427 |
| Cost of funding earning assets | 0.1340% | 5,471 |
| Net interest margin | 3.7582% | 2,270 |
| Noninterest income to average assets | 0.6541% | 2,158 |
| Noninterest expense to average assets | 3.5530% | 971 |
| Loan and lease loss provision to assets | 0.0831% | 2,151 |
| Net operating income to assets | 0.2965% | 5,204 |
| Return on assets (ROA) | 0.2965% | 5,217 |
| Pretax return on assets | 0.4379% | 5,083 |
| Return on Equity (ROE) | 3.7007% | 4,883 |
| Retained earnings to average equity (ytd only) | -0.6571% | 5,024 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8027% | 740 |
| Assets per employee ($millions) | 3.4841% | 4,809 |
| Cash dividends to net income (ytd only)* | 117.7570% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,925 |
| Loan loss allowance to noncurrent loans | 301.2903% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 2,580 |
| Noncurrent loans to loans | 0.3521% | 3,835 |
| Net loans and leases to total assets | 60.9750% | 3,666 |
| Net loans and leases to deposits | 67.1749% | 4,074 |
| Net loans and leases to core deposits | 67.5830% | 4,324 |
| Total domestic deposits to total assets | 90.7705% | 374 |
| Equity capital to assets | 8.0940% | 5,475 |
| Core capital (leverage) ratio | 8.8308% | 4,926 |
| Tier 1 risk-based capital ratio | 14.8583% | 3,042 |
| Total risk-based capital ratio | 15.9789% | 3,025 |
| Memoranda: | ||
| Average total assets | $144,327,500 | 3,629 |
| Average earning assets | $131,338,500 | 3,658 |
| Average equity | $11,565,500 | 4,292 |
| Average total loans | $88,155,000 | 3,641 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 3,815 |
| Cost of funding earning assets | 0.1368% | 5,506 |
| Net interest margin | 3.6893% | 2,745 |
| Noninterest income to average assets | 0.6252% | 2,527 |
| Noninterest expense to average assets | 3.1956% | 1,799 |
| Loan and lease loss provision to assets | 0.0838% | 2,683 |
| Net operating income to assets | 0.4952% | 4,653 |
| Return on assets (ROA) | 0.4952% | 4,726 |
| Pretax return on assets | 0.7544% | 4,323 |
| Return on Equity (ROE) | 6.0767% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.0741% | 4,359 |
| Net charge-offs to loans | 0.0409% | 3,214 |
| Credit loss provision to net charge-offs | 342.8571% | 889 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 1,319 |
| Efficiency ratio | 78.9264% | 1,565 |
| Assets per employee ($millions) | 3.4694% | 4,805 |
| Cash dividends to net income (ytd only)* | 65.8674% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 4,179 |
| Loan loss allowance to noncurrent loans | 396.0526% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 2,885 |
| Noncurrent loans to loans | 0.2583% | 4,226 |
| Net loans and leases to total assets | 59.9613% | 3,856 |
| Net loans and leases to deposits | 66.0853% | 4,239 |
| Net loans and leases to core deposits | 66.4785% | 4,494 |
| Total domestic deposits to total assets | 90.7332% | 375 |
| Equity capital to assets | 8.0658% | 5,532 |
| Core capital (leverage) ratio | 8.8040% | 4,959 |
| Tier 1 risk-based capital ratio | 14.7413% | 3,077 |
| Total risk-based capital ratio | 15.8152% | 3,102 |
| Memoranda: | ||
| Average total assets | $143,165,000 | 3,618 |
| Average earning assets | $132,275,600 | 3,614 |
| Average equity | $11,667,600 | 4,305 |
| Average total loans | $85,603,600 | 3,671 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7684% | 4,026 |
| Cost of funding earning assets | 0.1377% | 5,561 |
| Net interest margin | 3.6307% | 2,962 |
| Noninterest income to average assets | 0.6333% | 2,503 |
| Noninterest expense to average assets | 3.1778% | 1,833 |
| Loan and lease loss provision to assets | 0.0842% | 2,533 |
| Net operating income to assets | 0.5089% | 4,666 |
| Return on assets (ROA) | 0.5089% | 4,765 |
| Pretax return on assets | 0.7493% | 4,474 |
| Return on Equity (ROE) | 6.2279% | 3,962 |
| Retained earnings to average equity (ytd only) | 2.3240% | 4,530 |
| Net charge-offs to loans | 0.0314% | 3,021 |
| Credit loss provision to net charge-offs | 450.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 44.5433% | 1,161 |
| Efficiency ratio | 78.9646% | 1,563 |
| Assets per employee ($millions) | 3.2917% | 5,055 |
| Cash dividends to net income (ytd only)* | 62.6841% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,397 |
| Loan loss allowance to noncurrent loans | 345.5253% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 2,407 |
| Noncurrent loans to loans | 0.2899% | 4,221 |
| Net loans and leases to total assets | 60.5939% | 3,802 |
| Net loans and leases to deposits | 66.7798% | 4,265 |
| Net loans and leases to core deposits | 68.0389% | 4,469 |
| Total domestic deposits to total assets | 90.7369% | 264 |
| Equity capital to assets | 8.1314% | 5,696 |
| Core capital (leverage) ratio | 8.3368% | 5,479 |
| Tier 1 risk-based capital ratio | 14.6438% | 3,216 |
| Total risk-based capital ratio | 15.6967% | 3,242 |
| Memoranda: | ||
| Average total assets | $142,527,750 | 3,640 |
| Average earning assets | $132,607,750 | 3,624 |
| Average equity | $11,646,250 | 4,348 |
| Average total loans | $84,935,750 | 3,707 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 4,493 |
| Cost of funding earning assets | 0.1344% | 5,651 |
| Net interest margin | 3.4997% | 3,493 |
| Noninterest income to average assets | 0.6165% | 2,533 |
| Noninterest expense to average assets | 3.0770% | 2,122 |
| Loan and lease loss provision to assets | 0.0847% | 2,453 |
| Net operating income to assets | 0.4755% | 4,783 |
| Return on assets (ROA) | 0.4755% | 4,878 |
| Pretax return on assets | 0.7252% | 4,545 |
| Return on Equity (ROE) | 5.8090% | 4,133 |
| Retained earnings to average equity (ytd only) | 1.6720% | 4,715 |
| Net charge-offs to loans | 0.0550% | 2,415 |
| Credit loss provision to net charge-offs | 260.8696% | 1,068 |
| Earnings coverage of net charge-offs (x) | 24.9565% | 1,524 |
| Efficiency ratio | 79.0200% | 1,634 |
| Assets per employee ($millions) | 3.7380% | 4,380 |
| Cash dividends to net income (ytd only)* | 71.2166% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,726 |
| Loan loss allowance to noncurrent loans | 265.5280% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 2,361 |
| Noncurrent loans to loans | 0.3612% | 4,073 |
| Net loans and leases to total assets | 59.0457% | 4,007 |
| Net loans and leases to deposits | 64.7718% | 4,440 |
| Net loans and leases to core deposits | 65.1446% | 4,673 |
| Total domestic deposits to total assets | 91.1596% | 162 |
| Equity capital to assets | 7.8124% | 5,859 |
| Core capital (leverage) ratio | 8.5739% | 5,291 |
| Tier 1 risk-based capital ratio | 14.1455% | 3,527 |
| Total risk-based capital ratio | 15.1340% | 3,588 |
| Memoranda: | ||
| Average total assets | $141,759,330 | 3,678 |
| Average earning assets | $132,468,330 | 3,654 |
| Average equity | $11,602,670 | 4,381 |
| Average total loans | $83,698,330 | 3,754 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 4,661 |
| Cost of funding earning assets | 0.1309% | 5,748 |
| Net interest margin | 3.4558% | 3,644 |
| Noninterest income to average assets | 0.6063% | 2,493 |
| Noninterest expense to average assets | 3.0229% | 2,326 |
| Loan and lease loss provision to assets | 0.0870% | 2,231 |
| Net operating income to assets | 0.4671% | 4,751 |
| Return on assets (ROA) | 0.4671% | 4,842 |
| Pretax return on assets | 0.7137% | 4,479 |
| Return on Equity (ROE) | 5.5692% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.1101% | 4,410 |
| Net charge-offs to loans | 0.0148% | 2,644 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 569 |
| Efficiency ratio | 79.0592% | 1,739 |
| Assets per employee ($millions) | 3.9040% | 4,110 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,343 |
| Loan loss allowance to noncurrent loans | 528.1250% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 2,441 |
| Noncurrent loans to loans | 0.1984% | 4,705 |
| Net loans and leases to total assets | 58.3873% | 4,001 |
| Net loans and leases to deposits | 65.2008% | 4,319 |
| Net loans and leases to core deposits | 65.6185% | 4,559 |
| Total domestic deposits to total assets | 89.5500% | 813 |
| Equity capital to assets | 8.5033% | 5,560 |
| Core capital (leverage) ratio | 9.4952% | 4,201 |
| Tier 1 risk-based capital ratio | 16.6383% | 2,425 |
| Total risk-based capital ratio | 17.7245% | 2,441 |
| Memoranda: | ||
| Average total assets | $137,880,000 | 3,783 |
| Average earning assets | $128,364,000 | 3,746 |
| Average equity | $11,563,500 | 4,407 |
| Average total loans | $80,978,000 | 3,832 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5534% | 4,796 |
| Cost of funding earning assets | 0.1382% | 5,767 |
| Net interest margin | 3.4152% | 3,849 |
| Noninterest income to average assets | 0.4568% | 3,615 |
| Noninterest expense to average assets | 3.1462% | 2,097 |
| Loan and lease loss provision to assets | 0.0742% | 2,789 |
| Net operating income to assets | 0.3218% | 5,292 |
| Return on assets (ROA) | 0.3218% | 5,377 |
| Pretax return on assets | 0.4256% | 5,271 |
| Return on Equity (ROE) | 3.5758% | 5,111 |
| Retained earnings to average equity (ytd only) | 0.3543% | 5,372 |
| Net charge-offs to loans | 0.1272% | 2,101 |
| Credit loss provision to net charge-offs | 98.0392% | 2,595 |
| Earnings coverage of net charge-offs (x) | 6.6078% | 3,198 |
| Efficiency ratio | 86.2925% | 973 |
| Assets per employee ($millions) | 3.6522% | 4,563 |
| Cash dividends to net income (ytd only)* | 90.0922% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 4,572 |
| Loan loss allowance to noncurrent loans | 428.2723% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 2,394 |
| Noncurrent loans to loans | 0.2348% | 4,583 |
| Net loans and leases to total assets | 58.0120% | 4,092 |
| Net loans and leases to deposits | 63.8741% | 4,476 |
| Net loans and leases to core deposits | 64.2708% | 4,725 |
| Total domestic deposits to total assets | 90.8225% | 327 |
| Equity capital to assets | 8.7596% | 5,341 |
| Core capital (leverage) ratio | 9.5790% | 4,076 |
| Tier 1 risk-based capital ratio | 16.2320% | 2,594 |
| Total risk-based capital ratio | 17.2629% | 2,624 |
| Memoranda: | ||
| Average total assets | $134,860,600 | 3,803 |
| Average earning assets | $125,936,000 | 3,774 |
| Average equity | $12,137,200 | 4,280 |
| Average total loans | $80,162,200 | 3,822 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 4,820 |
| Cost of funding earning assets | 0.1386% | 5,861 |
| Net interest margin | 3.4315% | 3,831 |
| Noninterest income to average assets | 0.5039% | 3,335 |
| Noninterest expense to average assets | 3.1918% | 1,990 |
| Loan and lease loss provision to assets | 0.0896% | 2,368 |
| Net operating income to assets | 0.2888% | 5,485 |
| Return on assets (ROA) | 0.2888% | 5,558 |
| Pretax return on assets | 0.4272% | 5,408 |
| Return on Equity (ROE) | 3.1870% | 5,322 |
| Retained earnings to average equity (ytd only) | -0.3517% | 5,667 |
| Net charge-offs to loans | 0.1102% | 2,021 |
| Credit loss provision to net charge-offs | 136.3636% | 1,808 |
| Earnings coverage of net charge-offs (x) | 7.8634% | 2,871 |
| Efficiency ratio | 86.0634% | 1,000 |
| Assets per employee ($millions) | 3.5257% | 4,752 |
| Cash dividends to net income (ytd only)* | 111.0329% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 4,404 |
| Loan loss allowance to noncurrent loans | 322.1374% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.1726% | 2,021 |
| Noncurrent loans to loans | 0.3310% | 4,425 |
| Net loans and leases to total assets | 58.4578% | 4,087 |
| Net loans and leases to deposits | 64.6931% | 4,499 |
| Net loans and leases to core deposits | 65.1115% | 4,753 |
| Total domestic deposits to total assets | 90.3618% | 441 |
| Equity capital to assets | 9.0568% | 5,261 |
| Core capital (leverage) ratio | 9.5939% | 4,174 |
| Tier 1 risk-based capital ratio | 16.4850% | 2,585 |
| Total risk-based capital ratio | 17.5711% | 2,610 |
| Memoranda: | ||
| Average total assets | $133,879,500 | 3,862 |
| Average earning assets | $125,033,250 | 3,829 |
| Average equity | $12,132,250 | 4,331 |
| Average total loans | $79,870,250 | 3,860 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,812 |
| Cost of funding earning assets | 0.1391% | 5,927 |
| Net interest margin | 3.4299% | 3,788 |
| Noninterest income to average assets | 0.5977% | 2,755 |
| Noninterest expense to average assets | 3.2664% | 1,800 |
| Loan and lease loss provision to assets | 0.0897% | 2,321 |
| Net operating income to assets | 0.3018% | 5,434 |
| Return on assets (ROA) | 0.3018% | 5,533 |
| Pretax return on assets | 0.4483% | 5,356 |
| Return on Equity (ROE) | 3.3301% | 5,300 |
| Retained earnings to average equity (ytd only) | -0.2803% | 5,561 |
| Net charge-offs to loans | 0.1573% | 1,534 |
| Credit loss provision to net charge-offs | 95.2381% | 2,140 |
| Earnings coverage of net charge-offs (x) | 5.7143% | 2,898 |
| Efficiency ratio | 85.8602% | 1,069 |
| Assets per employee ($millions) | 3.4867% | 4,823 |
| Cash dividends to net income (ytd only)* | 108.4158% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 4,636 |
| Loan loss allowance to noncurrent loans | 340.4167% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 2,150 |
| Noncurrent loans to loans | 0.3069% | 4,592 |
| Net loans and leases to total assets | 58.4138% | 4,053 |
| Net loans and leases to deposits | 64.6443% | 4,473 |
| Net loans and leases to core deposits | 65.0665% | 4,723 |
| Total domestic deposits to total assets | 90.3620% | 510 |
| Equity capital to assets | 9.1656% | 5,061 |
| Core capital (leverage) ratio | 9.5038% | 4,279 |
| Tier 1 risk-based capital ratio | 16.6819% | 2,527 |
| Total risk-based capital ratio | 17.7488% | 2,561 |
| Memoranda: | ||
| Average total assets | $133,847,000 | 3,893 |
| Average earning assets | $125,134,000 | 3,859 |
| Average equity | $12,131,670 | 4,356 |
| Average total loans | $80,105,670 | 3,873 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 4,833 |
| Cost of funding earning assets | 0.1372% | 6,014 |
| Net interest margin | 3.4117% | 3,794 |
| Noninterest income to average assets | 0.5887% | 2,707 |
| Noninterest expense to average assets | 3.2468% | 1,851 |
| Loan and lease loss provision to assets | 0.0892% | 2,202 |
| Net operating income to assets | 0.2854% | 5,460 |
| Return on assets (ROA) | 0.2854% | 5,556 |
| Pretax return on assets | 0.4311% | 5,361 |
| Return on Equity (ROE) | 3.1705% | 5,312 |
| Retained earnings to average equity (ytd only) | -1.5522% | 5,628 |
| Net charge-offs to loans | 0.1382% | 1,421 |
| Credit loss provision to net charge-offs | 107.1429% | 1,538 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,313 |
| Efficiency ratio | 86.1878% | 1,170 |
| Assets per employee ($millions) | 3.5346% | 4,834 |
| Cash dividends to net income (ytd only)* | 148.9583% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 4,879 |
| Loan loss allowance to noncurrent loans | 318.6047% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1242% | 2,386 |
| Noncurrent loans to loans | 0.3228% | 4,634 |
| Net loans and leases to total assets | 58.9007% | 3,814 |
| Net loans and leases to deposits | 65.0338% | 4,263 |
| Net loans and leases to core deposits | 65.4513% | 4,573 |
| Total domestic deposits to total assets | 90.5693% | 505 |
| Equity capital to assets | 9.0116% | 5,276 |
| Core capital (leverage) ratio | 9.4562% | 4,342 |
| Tier 1 risk-based capital ratio | 16.1829% | 2,831 |
| Total risk-based capital ratio | 17.2266% | 2,869 |
| Memoranda: | ||
| Average total assets | $134,530,500 | 3,915 |
| Average earning assets | $125,334,000 | 3,885 |
| Average equity | $12,111,500 | 4,396 |
| Average total loans | $81,052,000 | 3,858 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 4,985 |
| Cost of funding earning assets | 0.1471% | 6,118 |
| Net interest margin | 3.4873% | 3,844 |
| Noninterest income to average assets | 0.5980% | 2,871 |
| Noninterest expense to average assets | 3.1004% | 2,512 |
| Loan and lease loss provision to assets | 0.0912% | 2,642 |
| Net operating income to assets | 0.4271% | 5,122 |
| Return on assets (ROA) | 0.4271% | 5,200 |
| Pretax return on assets | 0.6315% | 4,838 |
| Return on Equity (ROE) | 4.6459% | 4,824 |
| Retained earnings to average equity (ytd only) | 0.8101% | 5,405 |
| Net charge-offs to loans | 0.3088% | 1,425 |
| Credit loss provision to net charge-offs | 50.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | 3.9625% | 3,774 |
| Efficiency ratio | 81.0972% | 1,758 |
| Assets per employee ($millions) | 3.3686% | 5,132 |
| Cash dividends to net income (ytd only)* | 82.5623% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 5,077 |
| Loan loss allowance to noncurrent loans | 261.9808% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 2,400 |
| Noncurrent loans to loans | 0.3809% | 4,496 |
| Net loans and leases to total assets | 60.3726% | 3,739 |
| Net loans and leases to deposits | 66.6506% | 4,250 |
| Net loans and leases to core deposits | 67.0765% | 4,589 |
| Total domestic deposits to total assets | 90.5807% | 505 |
| Equity capital to assets | 8.9940% | 5,295 |
| Core capital (leverage) ratio | 9.9399% | 3,662 |
| Tier 1 risk-based capital ratio | 15.6985% | 3,125 |
| Total risk-based capital ratio | 16.7049% | 3,186 |
| Memoranda: | ||
| Average total assets | $131,596,800 | 3,946 |
| Average earning assets | $121,700,400 | 3,925 |
| Average equity | $12,096,800 | 4,340 |
| Average total loans | $77,716,000 | 3,938 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 5,036 |
| Cost of funding earning assets | 0.1489% | 6,190 |
| Net interest margin | 3.4908% | 3,872 |
| Noninterest income to average assets | 0.6034% | 2,848 |
| Noninterest expense to average assets | 3.0690% | 2,567 |
| Loan and lease loss provision to assets | 0.0917% | 2,520 |
| Net operating income to assets | 0.4566% | 5,047 |
| Return on assets (ROA) | 0.4566% | 5,131 |
| Pretax return on assets | 0.6686% | 4,810 |
| Return on Equity (ROE) | 4.9401% | 4,743 |
| Retained earnings to average equity (ytd only) | 1.4004% | 5,341 |
| Net charge-offs to loans | 0.3464% | 1,164 |
| Credit loss provision to net charge-offs | 45.2261% | 3,195 |
| Earnings coverage of net charge-offs (x) | 3.7487% | 3,602 |
| Efficiency ratio | 80.1437% | 1,893 |
| Assets per employee ($millions) | 3.2010% | 5,429 |
| Cash dividends to net income (ytd only)* | 71.6517% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 4,820 |
| Loan loss allowance to noncurrent loans | 285.5670% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 2,561 |
| Noncurrent loans to loans | 0.3799% | 4,773 |
| Net loans and leases to total assets | 57.7396% | 4,109 |
| Net loans and leases to deposits | 63.9801% | 4,538 |
| Net loans and leases to core deposits | 64.7045% | 4,829 |
| Total domestic deposits to total assets | 90.2462% | 630 |
| Equity capital to assets | 9.2593% | 5,070 |
| Core capital (leverage) ratio | 9.8823% | 3,836 |
| Tier 1 risk-based capital ratio | 16.4497% | 2,833 |
| Total risk-based capital ratio | 17.5144% | 2,877 |
| Memoranda: | ||
| Average total assets | $130,809,750 | 3,990 |
| Average earning assets | $120,886,000 | 3,970 |
| Average equity | $12,091,250 | 4,371 |
| Average total loans | $76,602,750 | 4,006 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 5,035 |
| Cost of funding earning assets | 0.1489% | 6,269 |
| Net interest margin | 3.4928% | 3,812 |
| Noninterest income to average assets | 0.5878% | 2,878 |
| Noninterest expense to average assets | 3.0582% | 2,633 |
| Loan and lease loss provision to assets | 0.0918% | 2,492 |
| Net operating income to assets | 0.4469% | 5,032 |
| Return on assets (ROA) | 0.4469% | 5,106 |
| Pretax return on assets | 0.6689% | 4,740 |
| Return on Equity (ROE) | 4.8380% | 4,754 |
| Retained earnings to average equity (ytd only) | 1.2924% | 5,224 |
| Net charge-offs to loans | 0.4621% | 875 |
| Credit loss provision to net charge-offs | 33.8983% | 3,002 |
| Earnings coverage of net charge-offs (x) | 2.8079% | 3,462 |
| Efficiency ratio | 80.0802% | 2,013 |
| Assets per employee ($millions) | 3.1981% | 5,431 |
| Cash dividends to net income (ytd only)* | 73.2877% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 5,029 |
| Loan loss allowance to noncurrent loans | 308.2397% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 2,708 |
| Noncurrent loans to loans | 0.3466% | 4,966 |
| Net loans and leases to total assets | 58.1219% | 3,974 |
| Net loans and leases to deposits | 64.3443% | 4,465 |
| Net loans and leases to core deposits | 64.9358% | 4,729 |
| Total domestic deposits to total assets | 90.3295% | 646 |
| Equity capital to assets | 9.2380% | 5,057 |
| Core capital (leverage) ratio | 9.9017% | 3,739 |
| Tier 1 risk-based capital ratio | 16.2420% | 2,962 |
| Total risk-based capital ratio | 17.2873% | 3,003 |
| Memoranda: | ||
| Average total assets | $130,666,000 | 4,018 |
| Average earning assets | $120,877,670 | 3,988 |
| Average equity | $12,071,000 | 4,382 |
| Average total loans | $76,600,670 | 4,024 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6421% | 5,031 |
| Cost of funding earning assets | 0.1538% | 6,336 |
| Net interest margin | 3.4883% | 3,747 |
| Noninterest income to average assets | 0.5888% | 2,799 |
| Noninterest expense to average assets | 3.0022% | 2,850 |
| Loan and lease loss provision to assets | 0.0920% | 2,384 |
| Net operating income to assets | 0.4631% | 4,886 |
| Return on assets (ROA) | 0.4631% | 4,955 |
| Pretax return on assets | 0.6930% | 4,512 |
| Return on Equity (ROE) | 5.0124% | 4,547 |
| Retained earnings to average equity (ytd only) | 1.4606% | 5,034 |
| Net charge-offs to loans | 0.0681% | 2,470 |
| Credit loss provision to net charge-offs | 230.7692% | 943 |
| Earnings coverage of net charge-offs (x) | 19.6923% | 1,362 |
| Efficiency ratio | 79.2713% | 2,303 |
| Assets per employee ($millions) | 3.2347% | 5,480 |
| Cash dividends to net income (ytd only)* | 70.8609% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 4,434 |
| Loan loss allowance to noncurrent loans | 113.3886% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 2,101 |
| Noncurrent loans to loans | 1.0946% | 3,232 |
| Net loans and leases to total assets | 57.4158% | 3,939 |
| Net loans and leases to deposits | 63.5402% | 4,372 |
| Net loans and leases to core deposits | 64.1192% | 4,684 |
| Total domestic deposits to total assets | 90.3613% | 884 |
| Equity capital to assets | 9.1026% | 4,998 |
| Core capital (leverage) ratio | 9.9363% | 3,654 |
| Tier 1 risk-based capital ratio | 16.0361% | 3,157 |
| Total risk-based capital ratio | 17.2354% | 3,130 |
| Memoranda: | ||
| Average total assets | $130,438,500 | 4,057 |
| Average earning assets | $119,600,000 | 4,050 |
| Average equity | $12,050,000 | 4,411 |
| Average total loans | $76,384,500 | 4,051 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,851 |
| Cost of funding earning assets | 0.1688% | 6,450 |
| Net interest margin | 3.6208% | 3,373 |
| Noninterest income to average assets | 0.5530% | 3,384 |
| Noninterest expense to average assets | 3.0630% | 2,853 |
| Loan and lease loss provision to assets | 0.2395% | 1,511 |
| Net operating income to assets | 0.4101% | 5,114 |
| Return on assets (ROA) | 0.4101% | 5,227 |
| Pretax return on assets | 0.5583% | 5,014 |
| Return on Equity (ROE) | 4.6038% | 4,834 |
| Retained earnings to average equity (ytd only) | 0.5797% | 5,580 |
| Net charge-offs to loans | 0.4025% | 1,676 |
| Credit loss provision to net charge-offs | 100.9464% | 2,390 |
| Earnings coverage of net charge-offs (x) | 3.3628% | 3,876 |
| Efficiency ratio | 79.3371% | 2,264 |
| Assets per employee ($millions) | 3.1282% | 5,620 |
| Cash dividends to net income (ytd only)* | 87.4088% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 4,432 |
| Loan loss allowance to noncurrent loans | 141.3534% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 2,964 |
| Noncurrent loans to loans | 0.8789% | 3,786 |
| Net loans and leases to total assets | 58.2636% | 3,989 |
| Net loans and leases to deposits | 64.6430% | 4,446 |
| Net loans and leases to core deposits | 65.2555% | 4,754 |
| Total domestic deposits to total assets | 90.1314% | 1,013 |
| Equity capital to assets | 9.3782% | 4,571 |
| Core capital (leverage) ratio | 10.2095% | 3,281 |
| Tier 1 risk-based capital ratio | 16.1760% | 3,013 |
| Total risk-based capital ratio | 17.3686% | 3,000 |
| Memoranda: | ||
| Average total assets | $133,626,200 | 4,005 |
| Average earning assets | $122,073,000 | 4,013 |
| Average equity | $11,903,200 | 4,457 |
| Average total loans | $78,756,200 | 3,978 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 4,777 |
| Cost of funding earning assets | 0.1722% | 6,538 |
| Net interest margin | 3.6463% | 3,248 |
| Noninterest income to average assets | 0.5601% | 3,389 |
| Noninterest expense to average assets | 3.0130% | 2,949 |
| Loan and lease loss provision to assets | 0.2914% | 1,177 |
| Net operating income to assets | 0.4337% | 5,096 |
| Return on assets (ROA) | 0.4337% | 5,245 |
| Pretax return on assets | 0.5809% | 5,093 |
| Return on Equity (ROE) | 4.9303% | 4,764 |
| Retained earnings to average equity (ytd only) | 0.7188% | 5,689 |
| Net charge-offs to loans | 0.4728% | 1,360 |
| Credit loss provision to net charge-offs | 104.6099% | 2,238 |
| Earnings coverage of net charge-offs (x) | 3.1312% | 3,791 |
| Efficiency ratio | 77.5489% | 2,477 |
| Assets per employee ($millions) | 2.9623% | 5,906 |
| Cash dividends to net income (ytd only)* | 85.4216% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 4,709 |
| Loan loss allowance to noncurrent loans | 134.3706% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 3,001 |
| Noncurrent loans to loans | 0.9200% | 3,977 |
| Net loans and leases to total assets | 59.5847% | 3,763 |
| Net loans and leases to deposits | 66.1839% | 4,282 |
| Net loans and leases to core deposits | 66.8172% | 4,642 |
| Total domestic deposits to total assets | 90.0290% | 982 |
| Equity capital to assets | 9.3625% | 4,729 |
| Core capital (leverage) ratio | 9.5071% | 4,396 |
| Tier 1 risk-based capital ratio | 15.9350% | 3,230 |
| Total risk-based capital ratio | 17.1226% | 3,215 |
| Memoranda: | ||
| Average total assets | $134,969,000 | 4,016 |
| Average earning assets | $123,080,250 | 4,029 |
| Average equity | $11,872,000 | 4,521 |
| Average total loans | $79,528,750 | 3,984 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 4,691 |
| Cost of funding earning assets | 0.1762% | 6,592 |
| Net interest margin | 3.6640% | 3,112 |
| Noninterest income to average assets | 0.5469% | 3,520 |
| Noninterest expense to average assets | 2.9498% | 3,166 |
| Loan and lease loss provision to assets | 0.3927% | 806 |
| Net operating income to assets | 0.3825% | 5,279 |
| Return on assets (ROA) | 0.3825% | 5,449 |
| Pretax return on assets | 0.5309% | 5,264 |
| Return on Equity (ROE) | 4.4373% | 5,035 |
| Retained earnings to average equity (ytd only) | 0.0169% | 5,841 |
| Net charge-offs to loans | 0.6814% | 968 |
| Credit loss provision to net charge-offs | 98.5401% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.3175% | 3,752 |
| Efficiency ratio | 76.1547% | 2,760 |
| Assets per employee ($millions) | 3.1680% | 5,551 |
| Cash dividends to net income (ytd only)* | 99.6198% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,044 |
| Loan loss allowance to noncurrent loans | 172.4584% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 3,503 |
| Noncurrent loans to loans | 0.6894% | 4,557 |
| Net loans and leases to total assets | 56.9199% | 4,149 |
| Net loans and leases to deposits | 62.7340% | 4,660 |
| Net loans and leases to core deposits | 63.4263% | 4,956 |
| Total domestic deposits to total assets | 90.7321% | 652 |
| Equity capital to assets | 8.6997% | 5,550 |
| Core capital (leverage) ratio | 9.1466% | 4,759 |
| Tier 1 risk-based capital ratio | 15.4254% | 3,521 |
| Total risk-based capital ratio | 16.5604% | 3,546 |
| Memoranda: | ||
| Average total assets | $137,498,670 | 3,991 |
| Average earning assets | $124,837,330 | 4,017 |
| Average equity | $11,854,000 | 4,562 |
| Average total loans | $80,422,000 | 3,974 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 4,768 |
| Cost of funding earning assets | 0.1937% | 6,608 |
| Net interest margin | 3.6237% | 3,171 |
| Noninterest income to average assets | 0.5705% | 3,299 |
| Noninterest expense to average assets | 2.8320% | 3,595 |
| Loan and lease loss provision to assets | 0.5647% | 461 |
| Net operating income to assets | 0.3504% | 5,347 |
| Return on assets (ROA) | 0.3504% | 5,490 |
| Pretax return on assets | 0.4778% | 5,330 |
| Return on Equity (ROE) | 4.0825% | 5,052 |
| Retained earnings to average equity (ytd only) | -1.4845% | 6,023 |
| Net charge-offs to loans | 1.2826% | 438 |
| Credit loss provision to net charge-offs | 74.7126% | 2,234 |
| Earnings coverage of net charge-offs (x) | 1.3793% | 3,374 |
| Efficiency ratio | 73.0942% | 3,432 |
| Assets per employee ($millions) | 3.2406% | 5,552 |
| Cash dividends to net income (ytd only)* | 136.3636% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,741 |
| Loan loss allowance to noncurrent loans | 76.2030% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 3,807 |
| Noncurrent loans to loans | 1.3936% | 3,475 |
| Net loans and leases to total assets | 58.2330% | 3,753 |
| Net loans and leases to deposits | 64.0251% | 4,311 |
| Net loans and leases to core deposits | 64.7231% | 4,677 |
| Total domestic deposits to total assets | 90.9535% | 543 |
| Equity capital to assets | 8.4896% | 6,028 |
| Core capital (leverage) ratio | 9.1994% | 4,568 |
| Tier 1 risk-based capital ratio | 14.6659% | 4,057 |
| Total risk-based capital ratio | 15.6754% | 4,193 |
| Memoranda: | ||
| Average total assets | $138,136,500 | 4,018 |
| Average earning assets | $125,948,500 | 4,020 |
| Average equity | $11,855,500 | 4,606 |
| Average total loans | $81,397,500 | 3,974 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 4,717 |
| Cost of funding earning assets | 0.2689% | 6,595 |
| Net interest margin | 3.8943% | 2,855 |
| Noninterest income to average assets | 0.6105% | 3,224 |
| Noninterest expense to average assets | 3.0293% | 3,167 |
| Loan and lease loss provision to assets | 0.3578% | 1,867 |
| Net operating income to assets | 0.5829% | 4,316 |
| Return on assets (ROA) | 0.5829% | 4,577 |
| Pretax return on assets | 0.8177% | 4,231 |
| Return on Equity (ROE) | 6.5332% | 3,894 |
| Retained earnings to average equity (ytd only) | 1.7210% | 5,000 |
| Net charge-offs to loans | 0.6528% | 1,798 |
| Credit loss provision to net charge-offs | 88.5609% | 3,532 |
| Earnings coverage of net charge-offs (x) | 2.9096% | 3,972 |
| Efficiency ratio | 72.0440% | 3,406 |
| Assets per employee ($millions) | 3.1843% | 5,661 |
| Cash dividends to net income (ytd only)* | 73.6573% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,302 |
| Loan loss allowance to noncurrent loans | 68.7959% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2620% | 3,538 |
| Noncurrent loans to loans | 1.6861% | 3,090 |
| Net loans and leases to total assets | 58.3096% | 3,922 |
| Net loans and leases to deposits | 64.2056% | 4,507 |
| Net loans and leases to core deposits | 64.9204% | 4,848 |
| Total domestic deposits to total assets | 90.8169% | 556 |
| Equity capital to assets | 8.6769% | 5,868 |
| Core capital (leverage) ratio | 9.4093% | 4,244 |
| Tier 1 risk-based capital ratio | 14.8491% | 3,803 |
| Total risk-based capital ratio | 15.9439% | 3,857 |
| Memoranda: | ||
| Average total assets | $134,158,600 | 4,056 |
| Average earning assets | $123,822,000 | 4,023 |
| Average equity | $11,969,600 | 4,572 |
| Average total loans | $83,031,400 | 3,942 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 4,778 |
| Cost of funding earning assets | 0.2838% | 6,679 |
| Net interest margin | 3.9273% | 2,812 |
| Noninterest income to average assets | 0.6184% | 3,165 |
| Noninterest expense to average assets | 3.0059% | 3,208 |
| Loan and lease loss provision to assets | 0.3596% | 1,810 |
| Net operating income to assets | 0.6333% | 4,225 |
| Return on assets (ROA) | 0.6333% | 4,477 |
| Pretax return on assets | 0.8881% | 4,162 |
| Return on Equity (ROE) | 7.0491% | 3,776 |
| Retained earnings to average equity (ytd only) | 2.4795% | 5,094 |
| Net charge-offs to loans | 0.5694% | 1,910 |
| Credit loss provision to net charge-offs | 100.8403% | 2,932 |
| Earnings coverage of net charge-offs (x) | 3.4986% | 3,618 |
| Efficiency ratio | 70.6670% | 3,560 |
| Assets per employee ($millions) | 3.2575% | 5,522 |
| Cash dividends to net income (ytd only)* | 64.8271% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,132 |
| Loan loss allowance to noncurrent loans | 60.7511% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3729% | 3,550 |
| Noncurrent loans to loans | 2.0290% | 2,814 |
| Net loans and leases to total assets | 57.3748% | 4,224 |
| Net loans and leases to deposits | 63.0178% | 4,838 |
| Net loans and leases to core deposits | 63.7027% | 5,187 |
| Total domestic deposits to total assets | 91.0453% | 401 |
| Equity capital to assets | 8.6056% | 6,168 |
| Core capital (leverage) ratio | 9.3488% | 4,503 |
| Tier 1 risk-based capital ratio | 14.7558% | 4,009 |
| Total risk-based capital ratio | 15.9180% | 4,037 |
| Memoranda: | ||
| Average total assets | $133,466,750 | 4,105 |
| Average earning assets | $123,543,500 | 4,070 |
| Average equity | $11,991,750 | 4,616 |
| Average total loans | $83,594,750 | 3,968 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 4,440 |
| Cost of funding earning assets | 0.2931% | 6,762 |
| Net interest margin | 4.0393% | 2,342 |
| Noninterest income to average assets | 0.6536% | 2,935 |
| Noninterest expense to average assets | 3.0808% | 2,983 |
| Loan and lease loss provision to assets | 0.3657% | 1,801 |
| Net operating income to assets | 0.6582% | 4,071 |
| Return on assets (ROA) | 0.6582% | 4,328 |
| Pretax return on assets | 0.9660% | 3,836 |
| Return on Equity (ROE) | 7.2174% | 3,664 |
| Retained earnings to average equity (ytd only) | 3.7925% | 4,092 |
| Net charge-offs to loans | 0.7683% | 1,433 |
| Credit loss provision to net charge-offs | 74.0741% | 3,473 |
| Earnings coverage of net charge-offs (x) | 2.6975% | 3,662 |
| Efficiency ratio | 69.8204% | 3,797 |
| Assets per employee ($millions) | 3.0980% | 5,858 |
| Cash dividends to net income (ytd only)* | 47.4537% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 5,820 |
| Loan loss allowance to noncurrent loans | 57.7287% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 3,682 |
| Noncurrent loans to loans | 1.8884% | 3,091 |
| Net loans and leases to total assets | 62.3196% | 3,368 |
| Net loans and leases to deposits | 68.8720% | 4,065 |
| Net loans and leases to core deposits | 69.4917% | 4,596 |
| Total domestic deposits to total assets | 90.4861% | 671 |
| Equity capital to assets | 9.0523% | 5,646 |
| Core capital (leverage) ratio | 9.6718% | 3,890 |
| Tier 1 risk-based capital ratio | 14.6613% | 3,986 |
| Total risk-based capital ratio | 15.7041% | 4,097 |
| Memoranda: | ||
| Average total assets | $131,265,000 | 4,180 |
| Average earning assets | $122,148,670 | 4,121 |
| Average equity | $11,971,000 | 4,609 |
| Average total loans | $84,336,670 | 3,961 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 4,894 |
| Cost of funding earning assets | 0.3089% | 6,815 |
| Net interest margin | 3.9503% | 2,718 |
| Noninterest income to average assets | 0.6263% | 3,077 |
| Noninterest expense to average assets | 2.9227% | 3,527 |
| Loan and lease loss provision to assets | 0.3684% | 1,714 |
| Net operating income to assets | 0.7184% | 3,788 |
| Return on assets (ROA) | 0.7184% | 4,013 |
| Pretax return on assets | 1.0254% | 3,588 |
| Return on Equity (ROE) | 7.8477% | 3,349 |
| Retained earnings to average equity (ytd only) | 5.2318% | 3,413 |
| Net charge-offs to loans | 0.1561% | 3,159 |
| Credit loss provision to net charge-offs | 363.6364% | 852 |
| Earnings coverage of net charge-offs (x) | 13.7576% | 1,516 |
| Efficiency ratio | 67.7098% | 4,228 |
| Assets per employee ($millions) | 3.0220% | 6,109 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 5,095 |
| Loan loss allowance to noncurrent loans | 40.1182% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.2732% | 2,622 |
| Noncurrent loans to loans | 3.1981% | 2,008 |
| Net loans and leases to total assets | 64.3011% | 2,802 |
| Net loans and leases to deposits | 71.2593% | 3,544 |
| Net loans and leases to core deposits | 71.9181% | 4,161 |
| Total domestic deposits to total assets | 90.2353% | 951 |
| Equity capital to assets | 9.2291% | 5,191 |
| Core capital (leverage) ratio | 9.7541% | 3,701 |
| Tier 1 risk-based capital ratio | 14.6490% | 3,985 |
| Total risk-based capital ratio | 15.8923% | 3,955 |
| Memoranda: | ||
| Average total assets | $130,290,000 | 4,225 |
| Average earning assets | $121,713,500 | 4,162 |
| Average equity | $11,927,000 | 4,627 |
| Average total loans | $84,538,000 | 3,990 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 5,964 |
| Cost of funding earning assets | 0.4321% | 6,795 |
| Net interest margin | 3.8015% | 3,809 |
| Noninterest income to average assets | 0.5590% | 3,436 |
| Noninterest expense to average assets | 2.9181% | 3,887 |
| Loan and lease loss provision to assets | 0.2537% | 3,669 |
| Net operating income to assets | 0.6858% | 3,551 |
| Return on assets (ROA) | 0.6858% | 3,742 |
| Pretax return on assets | 0.9657% | 3,367 |
| Return on Equity (ROE) | 8.1346% | 2,841 |
| Retained earnings to average equity (ytd only) | 6.7931% | 1,596 |
| Net charge-offs to loans | 0.3358% | 3,715 |
| Credit loss provision to net charge-offs | 120.6897% | 2,633 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,680 |
| Efficiency ratio | 70.5274% | 3,839 |
| Assets per employee ($millions) | 3.1861% | 5,740 |
| Cash dividends to net income (ytd only)* | 16.4905% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,475 |
| Loan loss allowance to noncurrent loans | 44.6181% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 1.9031% | 3,105 |
| Noncurrent loans to loans | 2.6518% | 2,451 |
| Net loans and leases to total assets | 63.8687% | 3,217 |
| Net loans and leases to deposits | 70.7947% | 3,981 |
| Net loans and leases to core deposits | 71.4446% | 4,601 |
| Total domestic deposits to total assets | 90.2168% | 869 |
| Equity capital to assets | 9.0797% | 5,445 |
| Core capital (leverage) ratio | 9.8259% | 3,553 |
| Tier 1 risk-based capital ratio | 14.5571% | 3,931 |
| Total risk-based capital ratio | 15.7078% | 3,977 |
| Memoranda: | ||
| Average total assets | $137,934,400 | 4,015 |
| Average earning assets | $129,843,400 | 3,933 |
| Average equity | $11,629,400 | 4,631 |
| Average total loans | $86,356,200 | 3,955 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 5,981 |
| Cost of funding earning assets | 0.4622% | 6,845 |
| Net interest margin | 3.8271% | 3,735 |
| Noninterest income to average assets | 0.5381% | 3,595 |
| Noninterest expense to average assets | 2.8601% | 4,108 |
| Loan and lease loss provision to assets | 0.2194% | 3,819 |
| Net operating income to assets | 0.7680% | 3,307 |
| Return on assets (ROA) | 0.7680% | 3,468 |
| Pretax return on assets | 1.0761% | 3,113 |
| Return on Equity (ROE) | 9.2755% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.2755% | 1,051 |
| Net charge-offs to loans | 0.1305% | 4,742 |
| Credit loss provision to net charge-offs | 270.5882% | 1,061 |
| Earnings coverage of net charge-offs (x) | 15.9765% | 1,428 |
| Efficiency ratio | 68.8246% | 4,154 |
| Assets per employee ($millions) | 3.1133% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 5,155 |
| Loan loss allowance to noncurrent loans | 63.2070% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 3,786 |
| Noncurrent loans to loans | 2.0073% | 3,360 |
| Net loans and leases to total assets | 66.0854% | 2,884 |
| Net loans and leases to deposits | 73.4885% | 3,726 |
| Net loans and leases to core deposits | 74.1800% | 4,425 |
| Total domestic deposits to total assets | 89.9261% | 905 |
| Equity capital to assets | 9.5701% | 4,978 |
| Core capital (leverage) ratio | 9.5010% | 4,143 |
| Tier 1 risk-based capital ratio | 14.5653% | 3,932 |
| Total risk-based capital ratio | 15.8131% | 3,907 |
| Memoranda: | ||
| Average total assets | $139,760,000 | 4,002 |
| Average earning assets | $132,106,750 | 3,914 |
| Average equity | $11,571,500 | 4,670 |
| Average total loans | $86,837,250 | 3,976 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 6,316 |
| Cost of funding earning assets | 0.4711% | 6,947 |
| Net interest margin | 3.7118% | 4,210 |
| Noninterest income to average assets | 0.5216% | 3,692 |
| Noninterest expense to average assets | 2.9430% | 3,854 |
| Loan and lease loss provision to assets | 0.1460% | 4,482 |
| Net operating income to assets | 0.6398% | 3,858 |
| Return on assets (ROA) | 0.6398% | 3,980 |
| Pretax return on assets | 0.9499% | 3,430 |
| Return on Equity (ROE) | 8.1010% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.1010% | 1,429 |
| Net charge-offs to loans | 0.0160% | 5,617 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 112.5714% | 319 |
| Efficiency ratio | 72.8650% | 3,571 |
| Assets per employee ($millions) | 3.2503% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,680 |
| Loan loss allowance to noncurrent loans | 78.1462% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 4,312 |
| Noncurrent loans to loans | 1.4927% | 4,183 |
| Net loans and leases to total assets | 65.9315% | 3,042 |
| Net loans and leases to deposits | 72.8224% | 3,979 |
| Net loans and leases to core deposits | 73.4728% | 4,642 |
| Total domestic deposits to total assets | 90.5374% | 703 |
| Equity capital to assets | 8.9208% | 5,689 |
| Core capital (leverage) ratio | 8.7792% | 5,079 |
| Tier 1 risk-based capital ratio | 13.5553% | 4,485 |
| Total risk-based capital ratio | 14.6973% | 4,555 |
| Memoranda: | ||
| Average total assets | $143,797,670 | 3,962 |
| Average earning assets | $136,268,330 | 3,852 |
| Average equity | $11,356,670 | 4,729 |
| Average total loans | $87,303,000 | 4,006 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 6,630 |
| Cost of funding earning assets | 0.4950% | 6,986 |
| Net interest margin | 3.5358% | 4,865 |
| Noninterest income to average assets | 0.5045% | 3,849 |
| Noninterest expense to average assets | 2.9249% | 3,968 |
| Loan and lease loss provision to assets | 0.0805% | 5,002 |
| Net operating income to assets | 0.5903% | 4,082 |
| Return on assets (ROA) | 0.5903% | 4,150 |
| Pretax return on assets | 0.8345% | 3,768 |
| Return on Equity (ROE) | 7.9344% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.9344% | 1,760 |
| Net charge-offs to loans | 0.0601% | 4,328 |
| Credit loss provision to net charge-offs | 230.7692% | 1,326 |
| Earnings coverage of net charge-offs (x) | 26.2308% | 930 |
| Efficiency ratio | 76.1705% | 3,134 |
| Assets per employee ($millions) | 3.5018% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 6,014 |
| Loan loss allowance to noncurrent loans | 219.2661% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 5,806 |
| Noncurrent loans to loans | 0.5053% | 6,011 |
| Net loans and leases to total assets | 58.0163% | 4,644 |
| Net loans and leases to deposits | 63.1269% | 5,369 |
| Net loans and leases to core deposits | 63.6282% | 5,771 |
| Total domestic deposits to total assets | 91.9042% | 311 |
| Equity capital to assets | 7.6124% | 6,805 |
| Core capital (leverage) ratio | 7.7312% | 6,530 |
| Tier 1 risk-based capital ratio | 12.6238% | 5,140 |
| Total risk-based capital ratio | 13.6606% | 5,328 |
| Memoranda: | ||
| Average total assets | $149,066,000 | 3,894 |
| Average earning assets | $140,617,000 | 3,807 |
| Average equity | $11,091,000 | 4,777 |
| Average total loans | $86,505,500 | 4,065 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 6,508 |
| Cost of funding earning assets | 0.8764% | 6,259 |
| Net interest margin | 3.5792% | 4,917 |
| Noninterest income to average assets | 0.6532% | 3,127 |
| Noninterest expense to average assets | 2.8961% | 4,241 |
| Loan and lease loss provision to assets | 0.1847% | 5,385 |
| Net operating income to assets | 0.6583% | 3,397 |
| Return on assets (ROA) | 0.6583% | 3,541 |
| Pretax return on assets | 0.9205% | 3,196 |
| Return on Equity (ROE) | 8.5370% | 2,484 |
| Retained earnings to average equity (ytd only) | 6.0952% | 1,768 |
| Net charge-offs to loans | 0.6508% | 3,056 |
| Credit loss provision to net charge-offs | 46.0289% | 6,316 |
| Earnings coverage of net charge-offs (x) | 2.7545% | 3,700 |
| Efficiency ratio | 72.3801% | 3,725 |
| Assets per employee ($millions) | 3.5966% | 4,717 |
| Cash dividends to net income (ytd only)* | 28.6029% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 6,018 |
| Loan loss allowance to noncurrent loans | 621.1921% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 6,369 |
| Noncurrent loans to loans | 0.1741% | 6,717 |
| Net loans and leases to total assets | 56.7928% | 5,216 |
| Net loans and leases to deposits | 61.5297% | 5,893 |
| Net loans and leases to core deposits | 64.1946% | 6,036 |
| Total domestic deposits to total assets | 92.3015% | 217 |
| Equity capital to assets | 7.2728% | 7,008 |
| Core capital (leverage) ratio | 7.2753% | 6,860 |
| Tier 1 risk-based capital ratio | 12.2571% | 5,249 |
| Total risk-based capital ratio | 13.2651% | 5,442 |
| Memoranda: | ||
| Average total assets | $138,081,600 | 4,091 |
| Average earning assets | $129,163,000 | 4,037 |
| Average equity | $10,647,800 | 4,949 |
| Average total loans | $85,129,000 | 4,179 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 6,379 |
| Cost of funding earning assets | 0.9646% | 6,115 |
| Net interest margin | 3.6198% | 4,788 |
| Noninterest income to average assets | 0.7011% | 2,808 |
| Noninterest expense to average assets | 2.9338% | 3,969 |
| Loan and lease loss provision to assets | 0.2225% | 4,829 |
| Net operating income to assets | 0.6635% | 3,584 |
| Return on assets (ROA) | 0.6635% | 3,747 |
| Pretax return on assets | 0.9216% | 3,486 |
| Return on Equity (ROE) | 8.4694% | 2,701 |
| Retained earnings to average equity (ytd only) | 5.1877% | 2,850 |
| Net charge-offs to loans | 0.7789% | 2,486 |
| Credit loss provision to net charge-offs | 45.4545% | 5,951 |
| Earnings coverage of net charge-offs (x) | 2.3374% | 4,002 |
| Efficiency ratio | 71.9447% | 3,709 |
| Assets per employee ($millions) | 3.3571% | 5,310 |
| Cash dividends to net income (ytd only)* | 38.7485% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,621 |
| Loan loss allowance to noncurrent loans | 195.5556% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 6,315 |
| Noncurrent loans to loans | 0.5992% | 6,010 |
| Net loans and leases to total assets | 59.3126% | 5,039 |
| Net loans and leases to deposits | 64.6907% | 5,825 |
| Net loans and leases to core deposits | 68.2190% | 5,915 |
| Total domestic deposits to total assets | 91.6864% | 258 |
| Equity capital to assets | 7.8261% | 6,915 |
| Core capital (leverage) ratio | 7.7125% | 6,662 |
| Tier 1 risk-based capital ratio | 12.1734% | 5,297 |
| Total risk-based capital ratio | 13.2283% | 5,449 |
| Memoranda: | ||
| Average total assets | $134,838,000 | 4,211 |
| Average earning assets | $125,786,250 | 4,165 |
| Average equity | $10,563,250 | 5,035 |
| Average total loans | $84,729,500 | 4,263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 6,153 |
| Cost of funding earning assets | 1.0115% | 6,089 |
| Net interest margin | 3.6863% | 4,423 |
| Noninterest income to average assets | 0.7931% | 2,156 |
| Noninterest expense to average assets | 2.9499% | 3,892 |
| Loan and lease loss provision to assets | 0.2240% | 4,662 |
| Net operating income to assets | 0.7274% | 3,283 |
| Return on assets (ROA) | 0.7274% | 3,443 |
| Pretax return on assets | 1.0321% | 2,998 |
| Return on Equity (ROE) | 9.2818% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.3264% | 3,324 |
| Net charge-offs to loans | 0.8263% | 2,185 |
| Credit loss provision to net charge-offs | 42.4929% | 5,563 |
| Earnings coverage of net charge-offs (x) | 2.3824% | 3,803 |
| Efficiency ratio | 70.1349% | 4,169 |
| Assets per employee ($millions) | 3.4062% | 5,169 |
| Cash dividends to net income (ytd only)* | 53.3881% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 5,277 |
| Loan loss allowance to noncurrent loans | 125.9124% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 5,965 |
| Noncurrent loans to loans | 0.9794% | 5,349 |
| Net loans and leases to total assets | 59.3558% | 5,187 |
| Net loans and leases to deposits | 64.5874% | 5,969 |
| Net loans and leases to core deposits | 69.0317% | 5,971 |
| Total domestic deposits to total assets | 91.9001% | 239 |
| Equity capital to assets | 7.5865% | 7,065 |
| Core capital (leverage) ratio | 7.9225% | 6,362 |
| Tier 1 risk-based capital ratio | 11.7865% | 5,508 |
| Total risk-based capital ratio | 12.8957% | 5,593 |
| Memoranda: | ||
| Average total assets | $133,903,330 | 4,261 |
| Average earning assets | $123,971,000 | 4,231 |
| Average equity | $10,493,670 | 5,061 |
| Average total loans | $85,437,000 | 4,273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 6,142 |
| Cost of funding earning assets | 1.0400% | 6,172 |
| Net interest margin | 3.6891% | 4,307 |
| Noninterest income to average assets | 0.6411% | 2,986 |
| Noninterest expense to average assets | 2.9490% | 3,860 |
| Loan and lease loss provision to assets | 0.2290% | 4,213 |
| Net operating income to assets | 0.6533% | 3,645 |
| Return on assets (ROA) | 0.6533% | 3,763 |
| Pretax return on assets | 0.9067% | 3,444 |
| Return on Equity (ROE) | 8.1969% | 2,784 |
| Retained earnings to average equity (ytd only) | 3.7537% | 3,899 |
| Net charge-offs to loans | 1.4944% | 1,155 |
| Credit loss provision to net charge-offs | 23.2919% | 4,909 |
| Earnings coverage of net charge-offs (x) | 1.1553% | 4,072 |
| Efficiency ratio | 72.1973% | 3,898 |
| Assets per employee ($millions) | 3.2370% | 5,678 |
| Cash dividends to net income (ytd only)* | 54.2056% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,670 |
| Loan loss allowance to noncurrent loans | 117.5563% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6457% | 5,909 |
| Noncurrent loans to loans | 0.9932% | 5,335 |
| Net loans and leases to total assets | 63.2084% | 4,486 |
| Net loans and leases to deposits | 69.0303% | 5,467 |
| Net loans and leases to core deposits | 72.2709% | 5,680 |
| Total domestic deposits to total assets | 91.5661% | 352 |
| Equity capital to assets | 7.8883% | 6,769 |
| Core capital (leverage) ratio | 8.3305% | 5,689 |
| Tier 1 risk-based capital ratio | 11.7610% | 5,441 |
| Total risk-based capital ratio | 12.8334% | 5,565 |
| Memoranda: | ||
| Average total assets | $131,027,000 | 4,380 |
| Average earning assets | $122,307,500 | 4,319 |
| Average equity | $10,443,000 | 5,119 |
| Average total loans | $86,191,000 | 4,316 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 5,237 |
| Cost of funding earning assets | 1.4564% | 5,691 |
| Net interest margin | 3.8324% | 3,567 |
| Noninterest income to average assets | 0.5714% | 3,847 |
| Noninterest expense to average assets | 3.0238% | 4,055 |
| Loan and lease loss provision to assets | 0.1383% | 6,257 |
| Net operating income to assets | 0.6744% | 3,038 |
| Return on assets (ROA) | 0.6744% | 3,087 |
| Pretax return on assets | 0.9301% | 2,826 |
| Return on Equity (ROE) | 8.9845% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.5974% | 1,526 |
| Net charge-offs to loans | 0.1046% | 6,095 |
| Credit loss provision to net charge-offs | 197.8022% | 1,989 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,316 |
| Efficiency ratio | 73.8926% | 3,918 |
| Assets per employee ($millions) | 3.1546% | 5,848 |
| Cash dividends to net income (ytd only)* | 37.6993% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 4,151 |
| Loan loss allowance to noncurrent loans | 112.7505% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 5,360 |
| Noncurrent loans to loans | 1.2548% | 4,842 |
| Net loans and leases to total assets | 66.6976% | 3,988 |
| Net loans and leases to deposits | 72.9609% | 5,198 |
| Net loans and leases to core deposits | 82.6390% | 5,857 |
| Total domestic deposits to total assets | 91.4156% | 403 |
| Equity capital to assets | 8.0540% | 6,523 |
| Core capital (leverage) ratio | 8.1710% | 5,866 |
| Tier 1 risk-based capital ratio | 11.7234% | 5,174 |
| Total risk-based capital ratio | 12.9773% | 5,134 |
| Memoranda: | ||
| Average total assets | $130,198,600 | 4,333 |
| Average earning assets | $119,612,000 | 4,323 |
| Average equity | $9,772,400 | 5,361 |
| Average total loans | $87,026,000 | 4,303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3507% | 5,172 |
| Cost of funding earning assets | 1.5433% | 5,662 |
| Net interest margin | 3.8075% | 3,624 |
| Noninterest income to average assets | 0.5490% | 4,085 |
| Noninterest expense to average assets | 2.9567% | 4,220 |
| Loan and lease loss provision to assets | 0.1074% | 6,302 |
| Net operating income to assets | 0.7085% | 3,171 |
| Return on assets (ROA) | 0.7085% | 3,239 |
| Pretax return on assets | 0.9835% | 2,957 |
| Return on Equity (ROE) | 9.6135% | 2,062 |
| Retained earnings to average equity (ytd only) | 7.1304% | 1,454 |
| Net charge-offs to loans | 0.1304% | 5,392 |
| Credit loss provision to net charge-offs | 123.5294% | 4,082 |
| Earnings coverage of net charge-offs (x) | 12.5530% | 1,749 |
| Efficiency ratio | 73.0487% | 4,044 |
| Assets per employee ($millions) | 3.2383% | 5,549 |
| Cash dividends to net income (ytd only)* | 25.8296% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,172 |
| Loan loss allowance to noncurrent loans | 109.3545% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 5,427 |
| Noncurrent loans to loans | 1.2410% | 4,872 |
| Net loans and leases to total assets | 63.9999% | 4,872 |
| Net loans and leases to deposits | 69.9374% | 5,927 |
| Net loans and leases to core deposits | 78.3106% | 6,458 |
| Total domestic deposits to total assets | 91.5103% | 254 |
| Equity capital to assets | 7.6635% | 7,178 |
| Core capital (leverage) ratio | 7.8860% | 6,519 |
| Tier 1 risk-based capital ratio | 11.8238% | 5,136 |
| Total risk-based capital ratio | 13.0746% | 5,076 |
| Memoranda: | ||
| Average total assets | $130,413,500 | 4,367 |
| Average earning assets | $119,830,750 | 4,352 |
| Average equity | $9,611,250 | 5,453 |
| Average total loans | $86,906,500 | 4,342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4912% | 4,683 |
| Cost of funding earning assets | 1.6272% | 5,627 |
| Net interest margin | 3.8641% | 3,274 |
| Noninterest income to average assets | 0.5647% | 3,932 |
| Noninterest expense to average assets | 2.8729% | 4,612 |
| Loan and lease loss provision to assets | 0.0617% | 6,599 |
| Net operating income to assets | 0.8270% | 2,750 |
| Return on assets (ROA) | 0.8270% | 2,845 |
| Pretax return on assets | 1.1695% | 2,399 |
| Return on Equity (ROE) | 11.3760% | 1,595 |
| Retained earnings to average equity (ytd only) | 7.5769% | 1,362 |
| Net charge-offs to loans | 0.1331% | 4,831 |
| Credit loss provision to net charge-offs | 68.9655% | 5,436 |
| Earnings coverage of net charge-offs (x) | 13.7586% | 1,710 |
| Efficiency ratio | 70.0000% | 4,783 |
| Assets per employee ($millions) | 3.1452% | 5,728 |
| Cash dividends to net income (ytd only)* | 33.3955% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 4,359 |
| Loan loss allowance to noncurrent loans | 289.2583% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 6,636 |
| Noncurrent loans to loans | 0.4445% | 6,410 |
| Net loans and leases to total assets | 67.3382% | 4,283 |
| Net loans and leases to deposits | 73.4649% | 5,539 |
| Net loans and leases to core deposits | 82.2331% | 6,219 |
| Total domestic deposits to total assets | 91.6605% | 277 |
| Equity capital to assets | 7.3865% | 7,359 |
| Core capital (leverage) ratio | 7.5691% | 6,937 |
| Tier 1 risk-based capital ratio | 10.9744% | 5,896 |
| Total risk-based capital ratio | 12.2057% | 5,862 |
| Memoranda: | ||
| Average total assets | $129,627,330 | 4,401 |
| Average earning assets | $118,734,670 | 4,398 |
| Average equity | $9,423,330 | 5,540 |
| Average total loans | $87,161,000 | 4,354 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 5,011 |
| Cost of funding earning assets | 1.7116% | 5,550 |
| Net interest margin | 3.7696% | 3,587 |
| Noninterest income to average assets | 0.5263% | 4,088 |
| Noninterest expense to average assets | 2.7084% | 4,960 |
| Loan and lease loss provision to assets | 0.0462% | 6,394 |
| Net operating income to assets | 0.8587% | 2,881 |
| Return on assets (ROA) | 0.8587% | 3,031 |
| Pretax return on assets | 1.2219% | 2,547 |
| Return on Equity (ROE) | 11.9072% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.9072% | 807 |
| Net charge-offs to loans | 0.0738% | 4,447 |
| Credit loss provision to net charge-offs | 93.7500% | 3,926 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,196 |
| Efficiency ratio | 68.1115% | 4,947 |
| Assets per employee ($millions) | 3.1663% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,062 |
| Loan loss allowance to noncurrent loans | 247.9482% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 6,352 |
| Noncurrent loans to loans | 0.5251% | 6,109 |
| Net loans and leases to total assets | 67.0380% | 4,334 |
| Net loans and leases to deposits | 73.1315% | 5,596 |
| Net loans and leases to core deposits | 83.9949% | 6,060 |
| Total domestic deposits to total assets | 91.6676% | 234 |
| Equity capital to assets | 7.2909% | 7,500 |
| Core capital (leverage) ratio | 7.6003% | 7,027 |
| Tier 1 risk-based capital ratio | 10.9063% | 5,989 |
| Total risk-based capital ratio | 12.1557% | 5,898 |
| Memoranda: | ||
| Average total assets | $129,965,000 | 4,407 |
| Average earning assets | $118,950,500 | 4,416 |
| Average equity | $9,372,500 | 5,573 |
| Average total loans | $86,759,000 | 4,401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5554% | 2,694 |
| Cost of funding earning assets | 1.9752% | 6,496 |
| Net interest margin | 4.5802% | 1,231 |
| Noninterest income to average assets | 0.5932% | 3,885 |
| Noninterest expense to average assets | 2.9856% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2277% | 1,692 |
| Return on assets (ROA) | 1.2277% | 1,634 |
| Pretax return on assets | 1.8153% | 912 |
| Return on Equity (ROE) | 16.2130% | 741 |
| Retained earnings to average equity (ytd only) | 2.4015% | 3,706 |
| Net charge-offs to loans | 0.0035% | 6,955 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 748.6667% | 73 |
| Efficiency ratio | 62.1886% | 5,917 |
| Assets per employee ($millions) | 2.9571% | 6,157 |
| Cash dividends to net income (ytd only)* | 85.1876% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 3,498 |
| Loan loss allowance to noncurrent loans | 195.7411% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 5,787 |
| Noncurrent loans to loans | 0.6878% | 5,321 |
| Net loans and leases to total assets | 64.7086% | 5,125 |
| Net loans and leases to deposits | 70.3849% | 6,234 |
| Net loans and leases to core deposits | 84.3347% | 6,265 |
| Total domestic deposits to total assets | 91.9353% | 143 |
| Equity capital to assets | 7.1324% | 7,663 |
| Core capital (leverage) ratio | 7.5994% | 7,077 |
| Tier 1 risk-based capital ratio | 10.7280% | 5,974 |
| Total risk-based capital ratio | 11.9781% | 5,885 |
| Memoranda: | ||
| Average total assets | $123,728,400 | 4,427 |
| Average earning assets | $113,662,200 | 4,430 |
| Average equity | $9,369,000 | 5,614 |
| Average total loans | $84,656,200 | 4,375 |