Home > The First National Bank in Tremont > Performance and Condition Ratios
The First National Bank in Tremont, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 3,278 |
| Cost of funding earning assets | 0.7615% | 3,833 |
| Net interest margin | 3.6363% | 1,888 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.1863% | 840 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.2762% | 4,063 |
| Return on assets (ROA) | 0.2762% | 4,063 |
| Pretax return on assets | 0.2638% | 4,127 |
| Return on Equity (ROE) | 2.7300% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.4915% | 3,710 |
| Net charge-offs to loans | 0.0419% | 1,480 |
| Credit loss provision to net charge-offs | 279.0698% | 1,002 |
| Earnings coverage of net charge-offs (x) | 12.1860% | 2,160 |
| Efficiency ratio | 90.3017% | 402 |
| Assets per employee ($millions) | 4.3461% | 4,025 |
| Cash dividends to net income (ytd only)* | 45.3901% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 2,745 |
| Loan loss allowance to noncurrent loans | 435.2518% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 2,349 |
| Noncurrent loans to loans | 0.2568% | 2,260 |
| Net loans and leases to total assets | 68.4100% | 1,986 |
| Net loans and leases to deposits | 79.4719% | 2,154 |
| Net loans and leases to core deposits | 82.2109% | 2,575 |
| Total domestic deposits to total assets | 86.0800% | 1,992 |
| Equity capital to assets | 10.1668% | 1,910 |
| Core capital (leverage) ratio | 10.8115% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $153,125,600 | 3,329 |
| Average earning assets | $137,750,600 | 3,368 |
| Average equity | $15,487,800 | 3,223 |
| Average total loans | $102,504,000 | 3,150 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 3,272 |
| Cost of funding earning assets | 0.6162% | 3,942 |
| Net interest margin | 3.6943% | 1,791 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 3.1404% | 885 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3388% | 4,072 |
| Return on assets (ROA) | 0.3388% | 4,073 |
| Pretax return on assets | 0.3528% | 4,114 |
| Return on Equity (ROE) | 3.3500% | 4,069 |
| Retained earnings to average equity (ytd only) | 2.4702% | 3,635 |
| Net charge-offs to loans | 0.0580% | 1,090 |
| Credit loss provision to net charge-offs | 204.5455% | 1,102 |
| Earnings coverage of net charge-offs (x) | 11.2045% | 2,102 |
| Efficiency ratio | 87.9167% | 444 |
| Assets per employee ($millions) | 4.2638% | 4,062 |
| Cash dividends to net income (ytd only)* | 26.3566% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,742 |
| Loan loss allowance to noncurrent loans | 360.5505% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 2,196 |
| Noncurrent loans to loans | 0.3119% | 2,118 |
| Net loans and leases to total assets | 67.5400% | 2,102 |
| Net loans and leases to deposits | 78.3349% | 2,218 |
| Net loans and leases to core deposits | 79.7578% | 2,622 |
| Total domestic deposits to total assets | 86.2200% | 2,129 |
| Equity capital to assets | 9.8608% | 1,907 |
| Core capital (leverage) ratio | 10.8972% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $152,291,750 | 3,349 |
| Average earning assets | $136,962,750 | 3,381 |
| Average equity | $15,383,000 | 3,218 |
| Average total loans | $101,069,500 | 3,166 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 3,307 |
| Cost of funding earning assets | 0.4461% | 4,089 |
| Net interest margin | 3.7476% | 1,721 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 3.1338% | 861 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3713% | 4,050 |
| Return on assets (ROA) | 0.3713% | 4,068 |
| Pretax return on assets | 0.4003% | 4,119 |
| Return on Equity (ROE) | 3.6500% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.3278% | 3,641 |
| Net charge-offs to loans | 0.0240% | 1,403 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,544 |
| Efficiency ratio | 86.7347% | 464 |
| Assets per employee ($millions) | 4.4331% | 3,995 |
| Cash dividends to net income (ytd only)* | 36.1702% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,698 |
| Loan loss allowance to noncurrent loans | 332.3944% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 2,012 |
| Noncurrent loans to loans | 0.3469% | 1,888 |
| Net loans and leases to total assets | 67.1000% | 2,049 |
| Net loans and leases to deposits | 78.0056% | 2,132 |
| Net loans and leases to core deposits | 78.9309% | 2,546 |
| Total domestic deposits to total assets | 86.0200% | 2,222 |
| Equity capital to assets | 10.2538% | 1,711 |
| Core capital (leverage) ratio | 10.9391% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $151,890,333 | 3,358 |
| Average earning assets | $136,728,333 | 3,395 |
| Average equity | $15,465,333 | 3,229 |
| Average total loans | $99,811,000 | 3,173 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 3,329 |
| Cost of funding earning assets | 0.3124% | 4,162 |
| Net interest margin | 3.7547% | 1,784 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.1533% | 859 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.3542% | 4,165 |
| Return on assets (ROA) | 0.3542% | 4,120 |
| Pretax return on assets | 0.3830% | 4,152 |
| Return on Equity (ROE) | 3.4900% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.4905% | 3,392 |
| Net charge-offs to loans | 0.0162% | 1,366 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,145 |
| Efficiency ratio | 87.2279% | 457 |
| Assets per employee ($millions) | 4.2783% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,623 |
| Loan loss allowance to noncurrent loans | 314.9457% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 1,920 |
| Noncurrent loans to loans | 0.3770% | 1,800 |
| Net loans and leases to total assets | 62.6200% | 2,393 |
| Net loans and leases to deposits | 69.9184% | 2,618 |
| Net loans and leases to core deposits | 70.1779% | 2,941 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 10.0682% | 1,782 |
| Core capital (leverage) ratio | 10.6794% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $152,473,000 | 3,401 |
| Average earning assets | $137,000,000 | 3,440 |
| Average equity | $15,470,500 | 3,268 |
| Average total loans | $98,555,500 | 3,224 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 3,064 |
| Cost of funding earning assets | 0.1657% | 4,026 |
| Net interest margin | 3.3391% | 2,456 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 3.0526% | 895 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.3072% | 4,360 |
| Return on assets (ROA) | 0.3072% | 4,333 |
| Pretax return on assets | 0.3328% | 4,351 |
| Return on Equity (ROE) | 2.9700% | 4,295 |
| Retained earnings to average equity (ytd only) | 1.9149% | 3,998 |
| Net charge-offs to loans | 0.0054% | 2,230 |
| Credit loss provision to net charge-offs | 4,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 141.4000% | 819 |
| Efficiency ratio | 86.8023% | 396 |
| Assets per employee ($millions) | 4.0791% | 4,254 |
| Cash dividends to net income (ytd only)* | 35.4701% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,051 |
| Loan loss allowance to noncurrent loans | 223.5789% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 1,601 |
| Noncurrent loans to loans | 0.4773% | 1,505 |
| Net loans and leases to total assets | 65.2300% | 2,120 |
| Net loans and leases to deposits | 78.1668% | 1,928 |
| Net loans and leases to core deposits | 78.3273% | 2,251 |
| Total domestic deposits to total assets | 83.4500% | 3,319 |
| Equity capital to assets | 10.2262% | 1,596 |
| Core capital (leverage) ratio | 10.6707% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $152,330,400 | 3,418 |
| Average earning assets | $136,414,600 | 3,458 |
| Average equity | $15,771,200 | 3,297 |
| Average total loans | $92,361,600 | 3,257 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3384% | 3,076 |
| Cost of funding earning assets | 0.1484% | 3,860 |
| Net interest margin | 3.1901% | 2,654 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.9394% | 994 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.3196% | 4,361 |
| Return on assets (ROA) | 0.3196% | 4,313 |
| Pretax return on assets | 0.3615% | 4,318 |
| Return on Equity (ROE) | 3.0800% | 4,291 |
| Retained earnings to average equity (ytd only) | 2.5227% | 3,912 |
| Net charge-offs to loans | 0.0029% | 2,134 |
| Credit loss provision to net charge-offs | 5,500.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 522 |
| Efficiency ratio | 86.5296% | 443 |
| Assets per employee ($millions) | 4.1289% | 4,262 |
| Cash dividends to net income (ytd only)* | 18.0328% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 3,422 |
| Loan loss allowance to noncurrent loans | 128.7979% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 1,124 |
| Noncurrent loans to loans | 0.7838% | 1,028 |
| Net loans and leases to total assets | 60.9300% | 2,408 |
| Net loans and leases to deposits | 67.7714% | 2,553 |
| Net loans and leases to core deposits | 67.8955% | 2,811 |
| Total domestic deposits to total assets | 89.9100% | 1,703 |
| Equity capital to assets | 9.5763% | 1,840 |
| Core capital (leverage) ratio | 10.7559% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $152,681,500 | 3,444 |
| Average earning assets | $136,587,250 | 3,480 |
| Average equity | $15,855,500 | 3,331 |
| Average total loans | $90,574,500 | 3,288 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1630% | 3,156 |
| Cost of funding earning assets | 0.1552% | 3,509 |
| Net interest margin | 3.0079% | 2,851 |
| Noninterest income to average assets | 0.5632% | 1,889 |
| Noninterest expense to average assets | 2.8808% | 1,027 |
| Loan and lease loss provision to assets | 0.0793% | 1,228 |
| Net operating income to assets | 0.2922% | 4,304 |
| Return on assets (ROA) | 0.2922% | 4,251 |
| Pretax return on assets | 0.3199% | 4,272 |
| Return on Equity (ROE) | 2.7398% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.9216% | 3,774 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8275% | 495 |
| Assets per employee ($millions) | 4.2358% | 4,250 |
| Cash dividends to net income (ytd only)* | 29.8643% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,592 |
| Loan loss allowance to noncurrent loans | 167.6311% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 1,499 |
| Noncurrent loans to loans | 0.5969% | 1,416 |
| Net loans and leases to total assets | 61.8638% | 2,138 |
| Net loans and leases to deposits | 69.2706% | 2,277 |
| Net loans and leases to core deposits | 69.5411% | 2,519 |
| Total domestic deposits to total assets | 89.3075% | 2,042 |
| Equity capital to assets | 10.2669% | 1,554 |
| Core capital (leverage) ratio | 10.5718% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,276,333 | 3,487 |
| Average earning assets | $136,640,667 | 3,531 |
| Average equity | $16,132,333 | 3,399 |
| Average total loans | $88,574,000 | 3,344 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9611% | 3,366 |
| Cost of funding earning assets | 0.1624% | 3,333 |
| Net interest margin | 2.7986% | 3,147 |
| Noninterest income to average assets | 0.5315% | 1,988 |
| Noninterest expense to average assets | 2.8013% | 1,151 |
| Loan and lease loss provision to assets | 0.0785% | 1,048 |
| Net operating income to assets | 0.1859% | 4,351 |
| Return on assets (ROA) | 0.1859% | 4,320 |
| Pretax return on assets | 0.1780% | 4,348 |
| Return on Equity (ROE) | 1.7121% | 4,307 |
| Retained earnings to average equity (ytd only) | 1.7121% | 3,629 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6096% | 479 |
| Assets per employee ($millions) | 4.6937% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,524 |
| Loan loss allowance to noncurrent loans | 198.4513% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 1,991 |
| Noncurrent loans to loans | 0.5301% | 1,708 |
| Net loans and leases to total assets | 52.8630% | 2,899 |
| Net loans and leases to deposits | 61.2259% | 2,785 |
| Net loans and leases to core deposits | 61.6817% | 3,003 |
| Total domestic deposits to total assets | 86.3409% | 3,154 |
| Equity capital to assets | 10.1343% | 1,803 |
| Core capital (leverage) ratio | 10.1626% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,788,000 | 3,487 |
| Average earning assets | $137,924,000 | 3,525 |
| Average equity | $16,588,000 | 3,428 |
| Average total loans | $86,540,000 | 3,379 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 3,210 |
| Cost of funding earning assets | 0.2503% | 2,932 |
| Net interest margin | 3.0527% | 3,043 |
| Noninterest income to average assets | 0.6368% | 2,002 |
| Noninterest expense to average assets | 2.8109% | 1,335 |
| Loan and lease loss provision to assets | 0.0485% | 2,088 |
| Net operating income to assets | 0.4810% | 4,130 |
| Return on assets (ROA) | 0.4810% | 4,172 |
| Pretax return on assets | 0.5883% | 4,127 |
| Return on Equity (ROE) | 4.1026% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.8511% | 3,704 |
| Net charge-offs to loans | 0.1141% | 784 |
| Credit loss provision to net charge-offs | 74.4681% | 1,989 |
| Earnings coverage of net charge-offs (x) | 9.7872% | 2,246 |
| Efficiency ratio | 81.5298% | 714 |
| Assets per employee ($millions) | 4.5622% | 4,067 |
| Cash dividends to net income (ytd only)* | 30.5036% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,799 |
| Loan loss allowance to noncurrent loans | 221.7391% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 2,209 |
| Noncurrent loans to loans | 0.4452% | 2,020 |
| Net loans and leases to total assets | 59.5616% | 2,203 |
| Net loans and leases to deposits | 70.6397% | 2,057 |
| Net loans and leases to core deposits | 71.5694% | 2,297 |
| Total domestic deposits to total assets | 84.3174% | 3,473 |
| Equity capital to assets | 11.6467% | 1,427 |
| Core capital (leverage) ratio | 10.5311% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,475,800 | 3,538 |
| Average earning assets | $133,031,200 | 3,541 |
| Average equity | $16,940,600 | 3,468 |
| Average total loans | $82,349,800 | 3,435 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 3,406 |
| Cost of funding earning assets | 0.2655% | 2,951 |
| Net interest margin | 3.0285% | 3,239 |
| Noninterest income to average assets | 0.5135% | 2,564 |
| Noninterest expense to average assets | 2.7434% | 1,477 |
| Loan and lease loss provision to assets | 0.0416% | 2,162 |
| Net operating income to assets | 0.4451% | 4,305 |
| Return on assets (ROA) | 0.4451% | 4,338 |
| Pretax return on assets | 0.5357% | 4,323 |
| Return on Equity (ROE) | 3.7892% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.0723% | 3,884 |
| Net charge-offs to loans | 0.0230% | 1,580 |
| Credit loss provision to net charge-offs | 321.4286% | 971 |
| Earnings coverage of net charge-offs (x) | 44.5714% | 1,295 |
| Efficiency ratio | 82.6135% | 603 |
| Assets per employee ($millions) | 4.9234% | 3,771 |
| Cash dividends to net income (ytd only)* | 18.9189% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,440 |
| Loan loss allowance to noncurrent loans | 198.2796% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 2,248 |
| Noncurrent loans to loans | 0.5545% | 1,927 |
| Net loans and leases to total assets | 54.3434% | 2,930 |
| Net loans and leases to deposits | 64.1134% | 2,843 |
| Net loans and leases to core deposits | 66.7931% | 2,884 |
| Total domestic deposits to total assets | 84.7612% | 3,193 |
| Equity capital to assets | 11.2066% | 1,886 |
| Core capital (leverage) ratio | 10.6587% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,097,250 | 3,580 |
| Average earning assets | $133,573,000 | 3,579 |
| Average equity | $16,925,000 | 3,514 |
| Average total loans | $80,982,000 | 3,510 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2181% | 3,635 |
| Cost of funding earning assets | 0.2870% | 2,900 |
| Net interest margin | 2.9311% | 3,500 |
| Noninterest income to average assets | 0.5635% | 2,357 |
| Noninterest expense to average assets | 2.7624% | 1,437 |
| Loan and lease loss provision to assets | 0.0425% | 2,161 |
| Net operating income to assets | 0.4049% | 4,373 |
| Return on assets (ROA) | 0.4049% | 4,414 |
| Pretax return on assets | 0.4772% | 4,421 |
| Return on Equity (ROE) | 3.3916% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.3124% | 4,047 |
| Net charge-offs to loans | 0.0050% | 1,960 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 183.5000% | 524 |
| Efficiency ratio | 84.1674% | 537 |
| Assets per employee ($millions) | 4.4515% | 4,135 |
| Cash dividends to net income (ytd only)* | 31.8182% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,377 |
| Loan loss allowance to noncurrent loans | 213.7209% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 2,409 |
| Noncurrent loans to loans | 0.5187% | 2,117 |
| Net loans and leases to total assets | 57.5487% | 2,724 |
| Net loans and leases to deposits | 68.6816% | 2,553 |
| Net loans and leases to core deposits | 71.9974% | 2,605 |
| Total domestic deposits to total assets | 83.7906% | 3,496 |
| Equity capital to assets | 11.8556% | 1,434 |
| Core capital (leverage) ratio | 10.7663% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,255,000 | 3,621 |
| Average earning assets | $131,011,000 | 3,617 |
| Average equity | $16,865,333 | 3,527 |
| Average total loans | $80,021,667 | 3,548 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2144% | 3,660 |
| Cost of funding earning assets | 0.3092% | 2,896 |
| Net interest margin | 2.9053% | 3,504 |
| Noninterest income to average assets | 0.6199% | 2,129 |
| Noninterest expense to average assets | 2.7670% | 1,446 |
| Loan and lease loss provision to assets | 0.0427% | 2,209 |
| Net operating income to assets | 0.4294% | 4,313 |
| Return on assets (ROA) | 0.4294% | 4,344 |
| Pretax return on assets | 0.5090% | 4,331 |
| Return on Equity (ROE) | 3.5837% | 4,359 |
| Retained earnings to average equity (ytd only) | 3.5837% | 3,613 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3762% | 628 |
| Assets per employee ($millions) | 4.7172% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,158 |
| Loan loss allowance to noncurrent loans | 209.2379% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 2,663 |
| Noncurrent loans to loans | 0.5529% | 2,202 |
| Net loans and leases to total assets | 52.9351% | 3,356 |
| Net loans and leases to deposits | 62.3499% | 3,285 |
| Net loans and leases to core deposits | 65.2318% | 3,298 |
| Total domestic deposits to total assets | 84.9000% | 3,143 |
| Equity capital to assets | 11.5454% | 1,513 |
| Core capital (leverage) ratio | 10.8175% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,658,500 | 3,636 |
| Average earning assets | $130,660,000 | 3,625 |
| Average equity | $16,854,000 | 3,524 |
| Average total loans | $78,584,500 | 3,589 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 3,297 |
| Cost of funding earning assets | 0.4567% | 3,246 |
| Net interest margin | 3.3445% | 2,945 |
| Noninterest income to average assets | 1.0306% | 994 |
| Noninterest expense to average assets | 3.1524% | 1,142 |
| Loan and lease loss provision to assets | 0.0466% | 3,814 |
| Net operating income to assets | 0.7262% | 3,343 |
| Return on assets (ROA) | 0.7262% | 3,472 |
| Pretax return on assets | 0.9258% | 3,295 |
| Return on Equity (ROE) | 5.7752% | 3,651 |
| Retained earnings to average equity (ytd only) | 4.0890% | 2,765 |
| Net charge-offs to loans | -0.0025% | 4,015 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4263% | 1,176 |
| Assets per employee ($millions) | 4.3576% | 4,067 |
| Cash dividends to net income (ytd only)* | 29.1979% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,304 |
| Loan loss allowance to noncurrent loans | 190.3846% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,301 |
| Noncurrent loans to loans | 0.5935% | 2,216 |
| Net loans and leases to total assets | 57.7148% | 3,117 |
| Net loans and leases to deposits | 68.9130% | 2,986 |
| Net loans and leases to core deposits | 72.2417% | 3,053 |
| Total domestic deposits to total assets | 83.7502% | 3,185 |
| Equity capital to assets | 12.4551% | 1,346 |
| Core capital (leverage) ratio | 11.1655% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,759,600 | 3,640 |
| Average earning assets | $119,122,200 | 3,628 |
| Average equity | $16,189,800 | 3,530 |
| Average total loans | $78,708,400 | 3,577 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 3,355 |
| Cost of funding earning assets | 0.4775% | 3,374 |
| Net interest margin | 3.3926% | 2,946 |
| Noninterest income to average assets | 0.9383% | 1,137 |
| Noninterest expense to average assets | 3.1661% | 1,131 |
| Loan and lease loss provision to assets | 0.0472% | 3,770 |
| Net operating income to assets | 0.6814% | 3,515 |
| Return on assets (ROA) | 0.6814% | 3,624 |
| Pretax return on assets | 0.8607% | 3,490 |
| Return on Equity (ROE) | 5.4061% | 3,750 |
| Retained earnings to average equity (ytd only) | 4.6492% | 2,721 |
| Net charge-offs to loans | -0.0051% | 4,053 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7149% | 1,061 |
| Assets per employee ($millions) | 4.3726% | 3,978 |
| Cash dividends to net income (ytd only)* | 14.0000% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,268 |
| Loan loss allowance to noncurrent loans | 217.6179% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 2,595 |
| Noncurrent loans to loans | 0.5001% | 2,554 |
| Net loans and leases to total assets | 58.8056% | 3,341 |
| Net loans and leases to deposits | 70.1681% | 3,303 |
| Net loans and leases to core deposits | 73.5280% | 3,357 |
| Total domestic deposits to total assets | 83.8067% | 2,889 |
| Equity capital to assets | 12.3386% | 1,494 |
| Core capital (leverage) ratio | 11.3571% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,178,250 | 3,651 |
| Average earning assets | $117,545,500 | 3,639 |
| Average equity | $16,031,000 | 3,548 |
| Average total loans | $78,671,750 | 3,601 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,437 |
| Cost of funding earning assets | 0.5052% | 3,499 |
| Net interest margin | 3.4529% | 2,939 |
| Noninterest income to average assets | 0.9888% | 1,010 |
| Noninterest expense to average assets | 3.2945% | 1,009 |
| Loan and lease loss provision to assets | 0.0482% | 3,696 |
| Net operating income to assets | 0.6592% | 3,551 |
| Return on assets (ROA) | 0.6592% | 3,645 |
| Pretax return on assets | 0.8329% | 3,498 |
| Return on Equity (ROE) | 5.1900% | 3,776 |
| Retained earnings to average equity (ytd only) | 4.0381% | 2,887 |
| Net charge-offs to loans | -0.0077% | 4,134 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8987% | 970 |
| Assets per employee ($millions) | 4.1958% | 4,110 |
| Cash dividends to net income (ytd only)* | 22.1951% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,174 |
| Loan loss allowance to noncurrent loans | 187.3913% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 2,879 |
| Noncurrent loans to loans | 0.5765% | 2,424 |
| Net loans and leases to total assets | 60.6812% | 3,241 |
| Net loans and leases to deposits | 72.6523% | 3,197 |
| Net loans and leases to core deposits | 75.6247% | 3,313 |
| Total domestic deposits to total assets | 83.5227% | 2,920 |
| Equity capital to assets | 12.5794% | 1,346 |
| Core capital (leverage) ratio | 11.9406% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,387,667 | 3,672 |
| Average earning assets | $114,801,667 | 3,666 |
| Average equity | $15,799,667 | 3,571 |
| Average total loans | $78,033,000 | 3,615 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 3,487 |
| Cost of funding earning assets | 0.5536% | 3,676 |
| Net interest margin | 3.5608% | 2,788 |
| Noninterest income to average assets | 0.8392% | 1,195 |
| Noninterest expense to average assets | 3.4258% | 1,036 |
| Loan and lease loss provision to assets | 0.0494% | 3,162 |
| Net operating income to assets | 0.5200% | 3,841 |
| Return on assets (ROA) | 0.5200% | 3,899 |
| Pretax return on assets | 0.6450% | 3,824 |
| Return on Equity (ROE) | 4.0726% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.0726% | 2,652 |
| Net charge-offs to loans | -0.0259% | 4,417 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1470% | 895 |
| Assets per employee ($millions) | 3.8951% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,050 |
| Loan loss allowance to noncurrent loans | 171.6599% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 2,821 |
| Noncurrent loans to loans | 0.6580% | 2,344 |
| Net loans and leases to total assets | 61.4773% | 3,350 |
| Net loans and leases to deposits | 70.9234% | 3,522 |
| Net loans and leases to core deposits | 73.9245% | 3,638 |
| Total domestic deposits to total assets | 86.6812% | 1,697 |
| Equity capital to assets | 12.7846% | 1,554 |
| Core capital (leverage) ratio | 12.2921% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,546,500 | 3,683 |
| Average earning assets | $111,997,500 | 3,683 |
| Average equity | $15,518,500 | 3,610 |
| Average total loans | $77,154,500 | 3,626 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 3,600 |
| Cost of funding earning assets | 0.5381% | 3,931 |
| Net interest margin | 3.7399% | 2,694 |
| Noninterest income to average assets | 0.9201% | 1,144 |
| Noninterest expense to average assets | 3.3948% | 1,125 |
| Loan and lease loss provision to assets | 0.0099% | 3,810 |
| Net operating income to assets | 0.7798% | 3,614 |
| Return on assets (ROA) | 0.7798% | 3,692 |
| Pretax return on assets | 0.9448% | 3,620 |
| Return on Equity (ROE) | 6.3028% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.4753% | 2,718 |
| Net charge-offs to loans | 0.0865% | 1,884 |
| Credit loss provision to net charge-offs | 17.9104% | 3,328 |
| Earnings coverage of net charge-offs (x) | 17.2687% | 2,118 |
| Efficiency ratio | 78.0497% | 1,147 |
| Assets per employee ($millions) | 3.9466% | 3,978 |
| Cash dividends to net income (ytd only)* | 28.9947% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,249 |
| Loan loss allowance to noncurrent loans | 176.9231% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 2,695 |
| Noncurrent loans to loans | 0.5907% | 2,410 |
| Net loans and leases to total assets | 64.0814% | 3,190 |
| Net loans and leases to deposits | 74.0037% | 3,353 |
| Net loans and leases to core deposits | 76.4396% | 3,545 |
| Total domestic deposits to total assets | 86.5921% | 1,809 |
| Equity capital to assets | 12.7507% | 1,674 |
| Core capital (leverage) ratio | 12.0118% | 1,768 |
| Tier 1 risk-based capital ratio | 18.9703% | 1,522 |
| Total risk-based capital ratio | 20.0276% | 1,537 |
| Memoranda: | ||
| Average total assets | $121,183,800 | 3,680 |
| Average earning assets | $111,125,600 | 3,690 |
| Average equity | $14,993,400 | 3,639 |
| Average total loans | $77,499,600 | 3,645 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 3,824 |
| Cost of funding earning assets | 0.5274% | 4,040 |
| Net interest margin | 3.7146% | 2,870 |
| Noninterest income to average assets | 0.9430% | 1,055 |
| Noninterest expense to average assets | 3.4101% | 1,069 |
| Loan and lease loss provision to assets | 0.0099% | 3,691 |
| Net operating income to assets | 0.7169% | 3,961 |
| Return on assets (ROA) | 0.7169% | 4,030 |
| Pretax return on assets | 0.9253% | 3,806 |
| Return on Equity (ROE) | 5.8393% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.0217% | 2,880 |
| Net charge-offs to loans | 0.0294% | 2,495 |
| Credit loss provision to net charge-offs | 52.9412% | 2,764 |
| Earnings coverage of net charge-offs (x) | 49.8738% | 1,194 |
| Efficiency ratio | 78.4772% | 1,057 |
| Assets per employee ($millions) | 4.0899% | 3,778 |
| Cash dividends to net income (ytd only)* | 13.9999% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 2,863 |
| Loan loss allowance to noncurrent loans | 158.8022% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 2,558 |
| Noncurrent loans to loans | 0.7131% | 2,181 |
| Net loans and leases to total assets | 62.2618% | 3,469 |
| Net loans and leases to deposits | 71.7921% | 3,627 |
| Net loans and leases to core deposits | 74.3168% | 3,813 |
| Total domestic deposits to total assets | 86.7251% | 1,667 |
| Equity capital to assets | 12.5919% | 1,847 |
| Core capital (leverage) ratio | 12.1722% | 1,746 |
| Tier 1 risk-based capital ratio | 18.8705% | 1,592 |
| Total risk-based capital ratio | 19.9918% | 1,592 |
| Memoranda: | ||
| Average total assets | $120,893,250 | 3,724 |
| Average earning assets | $110,732,250 | 3,739 |
| Average equity | $14,841,750 | 3,685 |
| Average total loans | $77,067,250 | 3,693 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 3,857 |
| Cost of funding earning assets | 0.5083% | 4,080 |
| Net interest margin | 3.7175% | 2,879 |
| Noninterest income to average assets | 0.9893% | 887 |
| Noninterest expense to average assets | 3.4184% | 1,072 |
| Loan and lease loss provision to assets | 0.0100% | 3,548 |
| Net operating income to assets | 0.7432% | 3,860 |
| Return on assets (ROA) | 0.7432% | 3,919 |
| Pretax return on assets | 0.9660% | 3,665 |
| Return on Equity (ROE) | 6.1070% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.8637% | 2,833 |
| Net charge-offs to loans | 0.0078% | 2,869 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 195.6667% | 395 |
| Efficiency ratio | 77.7904% | 1,180 |
| Assets per employee ($millions) | 3.9355% | 3,958 |
| Cash dividends to net income (ytd only)* | 20.3579% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,701 |
| Loan loss allowance to noncurrent loans | 110.2117% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 2,017 |
| Noncurrent loans to loans | 1.0570% | 1,552 |
| Net loans and leases to total assets | 63.5963% | 3,385 |
| Net loans and leases to deposits | 74.5942% | 3,468 |
| Net loans and leases to core deposits | 78.7649% | 3,523 |
| Total domestic deposits to total assets | 85.2564% | 2,358 |
| Equity capital to assets | 12.8150% | 1,684 |
| Core capital (leverage) ratio | 12.2916% | 1,646 |
| Tier 1 risk-based capital ratio | 19.1474% | 1,522 |
| Total risk-based capital ratio | 20.3143% | 1,500 |
| Memoranda: | ||
| Average total assets | $120,291,670 | 3,754 |
| Average earning assets | $110,181,330 | 3,769 |
| Average equity | $14,639,000 | 3,708 |
| Average total loans | $77,000,000 | 3,717 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 3,861 |
| Cost of funding earning assets | 0.4864% | 4,121 |
| Net interest margin | 3.7144% | 2,841 |
| Noninterest income to average assets | 0.9291% | 973 |
| Noninterest expense to average assets | 3.3475% | 1,201 |
| Loan and lease loss provision to assets | 0.0099% | 3,307 |
| Net operating income to assets | 0.7446% | 3,788 |
| Return on assets (ROA) | 0.7446% | 3,838 |
| Pretax return on assets | 0.9687% | 3,550 |
| Return on Equity (ROE) | 6.2806% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.2806% | 2,330 |
| Net charge-offs to loans | 0.0877% | 1,226 |
| Credit loss provision to net charge-offs | 17.6471% | 2,148 |
| Earnings coverage of net charge-offs (x) | 17.4706% | 1,657 |
| Efficiency ratio | 77.3800% | 1,341 |
| Assets per employee ($millions) | 3.7199% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,856 |
| Loan loss allowance to noncurrent loans | 98.8610% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 1,897 |
| Noncurrent loans to loans | 1.1626% | 1,432 |
| Net loans and leases to total assets | 62.7141% | 3,431 |
| Net loans and leases to deposits | 72.2737% | 3,583 |
| Net loans and leases to core deposits | 77.7814% | 3,532 |
| Total domestic deposits to total assets | 86.7730% | 1,921 |
| Equity capital to assets | 12.2987% | 1,847 |
| Core capital (leverage) ratio | 11.9504% | 1,807 |
| Tier 1 risk-based capital ratio | 18.9478% | 1,554 |
| Total risk-based capital ratio | 20.0906% | 1,543 |
| Memoranda: | ||
| Average total assets | $121,405,000 | 3,778 |
| Average earning assets | $111,027,000 | 3,800 |
| Average equity | $14,393,500 | 3,748 |
| Average total loans | $77,515,000 | 3,744 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,939 |
| Cost of funding earning assets | 0.3634% | 4,199 |
| Net interest margin | 3.6692% | 3,160 |
| Noninterest income to average assets | 0.9815% | 981 |
| Noninterest expense to average assets | 3.4139% | 1,127 |
| Loan and lease loss provision to assets | 0.0099% | 3,925 |
| Net operating income to assets | 0.7308% | 4,037 |
| Return on assets (ROA) | 0.7308% | 4,042 |
| Pretax return on assets | 0.9445% | 3,775 |
| Return on Equity (ROE) | 6.4138% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.4514% | 3,080 |
| Net charge-offs to loans | -0.0832% | 5,110 |
| Credit loss provision to net charge-offs | -19.6721% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1521% | 1,114 |
| Assets per employee ($millions) | 3.7507% | 4,250 |
| Cash dividends to net income (ytd only)* | 30.5962% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,026 |
| Loan loss allowance to noncurrent loans | 130.1915% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 2,404 |
| Noncurrent loans to loans | 0.8540% | 1,887 |
| Net loans and leases to total assets | 63.5235% | 3,402 |
| Net loans and leases to deposits | 73.9193% | 3,510 |
| Net loans and leases to core deposits | 82.0558% | 3,257 |
| Total domestic deposits to total assets | 85.9364% | 2,262 |
| Equity capital to assets | 11.4298% | 2,308 |
| Core capital (leverage) ratio | 11.6557% | 1,987 |
| Tier 1 risk-based capital ratio | 17.7730% | 1,821 |
| Total risk-based capital ratio | 18.8821% | 1,818 |
| Memoranda: | ||
| Average total assets | $121,649,600 | 3,762 |
| Average earning assets | $112,285,800 | 3,772 |
| Average equity | $13,860,800 | 3,766 |
| Average total loans | $73,304,800 | 3,803 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 4,010 |
| Cost of funding earning assets | 0.3200% | 4,381 |
| Net interest margin | 3.6539% | 3,188 |
| Noninterest income to average assets | 0.9665% | 1,021 |
| Noninterest expense to average assets | 3.4533% | 1,044 |
| Loan and lease loss provision to assets | 0.0099% | 3,791 |
| Net operating income to assets | 0.6891% | 4,261 |
| Return on assets (ROA) | 0.6891% | 4,273 |
| Pretax return on assets | 0.8851% | 4,069 |
| Return on Equity (ROE) | 6.0529% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.1730% | 3,134 |
| Net charge-offs to loans | -0.0855% | 5,118 |
| Credit loss provision to net charge-offs | -19.5652% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4177% | 996 |
| Assets per employee ($millions) | 3.7409% | 4,250 |
| Cash dividends to net income (ytd only)* | 14.5366% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 2,809 |
| Loan loss allowance to noncurrent loans | 176.8916% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 3,102 |
| Noncurrent loans to loans | 0.6599% | 2,432 |
| Net loans and leases to total assets | 59.3285% | 3,918 |
| Net loans and leases to deposits | 67.2102% | 4,109 |
| Net loans and leases to core deposits | 74.9982% | 3,879 |
| Total domestic deposits to total assets | 88.2730% | 1,130 |
| Equity capital to assets | 11.2369% | 2,440 |
| Core capital (leverage) ratio | 11.7844% | 1,926 |
| Tier 1 risk-based capital ratio | 18.6520% | 1,628 |
| Total risk-based capital ratio | 19.7976% | 1,610 |
| Memoranda: | ||
| Average total assets | $121,118,750 | 3,810 |
| Average earning assets | $112,096,750 | 3,812 |
| Average equity | $13,789,250 | 3,803 |
| Average total loans | $71,753,750 | 3,871 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,995 |
| Cost of funding earning assets | 0.2826% | 4,549 |
| Net interest margin | 3.6473% | 3,126 |
| Noninterest income to average assets | 0.9556% | 1,038 |
| Noninterest expense to average assets | 3.4552% | 1,062 |
| Loan and lease loss provision to assets | 0.0100% | 3,651 |
| Net operating income to assets | 0.6897% | 4,224 |
| Return on assets (ROA) | 0.6897% | 4,227 |
| Pretax return on assets | 0.8792% | 4,028 |
| Return on Equity (ROE) | 6.0312% | 4,228 |
| Retained earnings to average equity (ytd only) | 4.7087% | 3,232 |
| Net charge-offs to loans | -0.0705% | 5,041 |
| Credit loss provision to net charge-offs | -24.0000% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5333% | 1,063 |
| Assets per employee ($millions) | 3.5569% | 4,525 |
| Cash dividends to net income (ytd only)* | 21.9277% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,795 |
| Loan loss allowance to noncurrent loans | 327.2374% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 3,827 |
| Noncurrent loans to loans | 0.3633% | 3,394 |
| Net loans and leases to total assets | 59.5500% | 3,847 |
| Net loans and leases to deposits | 70.2726% | 3,831 |
| Net loans and leases to core deposits | 71.0288% | 4,082 |
| Total domestic deposits to total assets | 84.7415% | 2,776 |
| Equity capital to assets | 11.7408% | 2,025 |
| Core capital (leverage) ratio | 11.5782% | 2,003 |
| Tier 1 risk-based capital ratio | 19.4403% | 1,444 |
| Total risk-based capital ratio | 20.6188% | 1,423 |
| Memoranda: | ||
| Average total assets | $120,341,670 | 3,853 |
| Average earning assets | $111,808,000 | 3,848 |
| Average equity | $13,761,670 | 3,828 |
| Average total loans | $70,969,670 | 3,910 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 4,241 |
| Cost of funding earning assets | 0.2738% | 4,554 |
| Net interest margin | 3.5173% | 3,472 |
| Noninterest income to average assets | 0.6928% | 1,862 |
| Noninterest expense to average assets | 3.2440% | 1,471 |
| Loan and lease loss provision to assets | 0.0099% | 3,391 |
| Net operating income to assets | 0.5746% | 4,494 |
| Return on assets (ROA) | 0.5746% | 4,503 |
| Pretax return on assets | 0.7289% | 4,362 |
| Return on Equity (ROE) | 5.0902% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.0902% | 3,128 |
| Net charge-offs to loans | -0.1238% | 5,276 |
| Credit loss provision to net charge-offs | -13.6364% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4509% | 1,005 |
| Assets per employee ($millions) | 3.7137% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,854 |
| Loan loss allowance to noncurrent loans | 173.2365% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 3,265 |
| Noncurrent loans to loans | 0.6880% | 2,490 |
| Net loans and leases to total assets | 56.4879% | 4,083 |
| Net loans and leases to deposits | 64.0445% | 4,208 |
| Net loans and leases to core deposits | 65.0783% | 4,367 |
| Total domestic deposits to total assets | 88.2009% | 1,504 |
| Equity capital to assets | 11.1683% | 2,409 |
| Core capital (leverage) ratio | 11.2319% | 2,221 |
| Tier 1 risk-based capital ratio | 18.7597% | 1,614 |
| Total risk-based capital ratio | 19.9010% | 1,608 |
| Memoranda: | ||
| Average total assets | $121,824,000 | 3,869 |
| Average earning assets | $113,952,000 | 3,848 |
| Average equity | $13,752,000 | 3,865 |
| Average total loans | $71,085,000 | 3,944 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,751 |
| Cost of funding earning assets | 0.2496% | 4,571 |
| Net interest margin | 3.6428% | 3,012 |
| Noninterest income to average assets | 0.7000% | 1,964 |
| Noninterest expense to average assets | 3.1373% | 1,755 |
| Loan and lease loss provision to assets | 0.2737% | 654 |
| Net operating income to assets | 0.4727% | 4,450 |
| Return on assets (ROA) | 0.4780% | 4,470 |
| Pretax return on assets | 0.6975% | 4,514 |
| Return on Equity (ROE) | 4.1215% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.7915% | 3,638 |
| Net charge-offs to loans | 0.7412% | 279 |
| Credit loss provision to net charge-offs | 62.9630% | 3,186 |
| Earnings coverage of net charge-offs (x) | 2.2164% | 3,782 |
| Efficiency ratio | 76.5034% | 1,555 |
| Assets per employee ($millions) | 3.6696% | 4,483 |
| Cash dividends to net income (ytd only)* | 32.2695% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,227 |
| Loan loss allowance to noncurrent loans | 169.1023% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,245 |
| Noncurrent loans to loans | 0.6643% | 2,554 |
| Net loans and leases to total assets | 58.8773% | 3,935 |
| Net loans and leases to deposits | 66.9389% | 4,109 |
| Net loans and leases to core deposits | 68.1984% | 4,279 |
| Total domestic deposits to total assets | 87.9567% | 1,528 |
| Equity capital to assets | 11.4100% | 2,271 |
| Core capital (leverage) ratio | 11.0897% | 2,254 |
| Tier 1 risk-based capital ratio | 18.3084% | 1,714 |
| Total risk-based capital ratio | 19.4069% | 1,715 |
| Memoranda: | ||
| Average total assets | $118,001,200 | 3,931 |
| Average earning assets | $110,163,400 | 3,911 |
| Average equity | $13,684,400 | 3,887 |
| Average total loans | $69,211,600 | 3,982 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,049 |
| Cost of funding earning assets | 0.2437% | 4,624 |
| Net interest margin | 3.5446% | 3,334 |
| Noninterest income to average assets | 0.6665% | 2,139 |
| Noninterest expense to average assets | 3.1289% | 1,723 |
| Loan and lease loss provision to assets | 0.3571% | 412 |
| Net operating income to assets | 0.3810% | 5,035 |
| Return on assets (ROA) | 0.3890% | 5,050 |
| Pretax return on assets | 0.4993% | 5,031 |
| Return on Equity (ROE) | 3.3403% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.4515% | 4,422 |
| Net charge-offs to loans | 0.9734% | 178 |
| Credit loss provision to net charge-offs | 62.8000% | 2,774 |
| Earnings coverage of net charge-offs (x) | 1.4880% | 3,569 |
| Efficiency ratio | 78.7124% | 1,245 |
| Assets per employee ($millions) | 3.6270% | 4,549 |
| Cash dividends to net income (ytd only)* | 26.6080% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,151 |
| Loan loss allowance to noncurrent loans | 99.6333% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 2,449 |
| Noncurrent loans to loans | 1.1636% | 1,650 |
| Net loans and leases to total assets | 58.0511% | 4,051 |
| Net loans and leases to deposits | 66.1091% | 4,242 |
| Net loans and leases to core deposits | 67.3680% | 4,397 |
| Total domestic deposits to total assets | 87.8111% | 1,464 |
| Equity capital to assets | 11.6283% | 2,252 |
| Core capital (leverage) ratio | 11.2544% | 2,218 |
| Tier 1 risk-based capital ratio | 18.7410% | 1,666 |
| Total risk-based capital ratio | 19.8801% | 1,645 |
| Memoranda: | ||
| Average total assets | $117,227,500 | 3,976 |
| Average earning assets | $109,423,000 | 3,967 |
| Average equity | $13,651,250 | 3,930 |
| Average total loans | $68,487,500 | 4,031 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 3,980 |
| Cost of funding earning assets | 0.2380% | 4,653 |
| Net interest margin | 3.5364% | 3,269 |
| Noninterest income to average assets | 0.6443% | 2,231 |
| Noninterest expense to average assets | 3.1253% | 1,782 |
| Loan and lease loss provision to assets | 0.5240% | 217 |
| Net operating income to assets | 0.2560% | 5,312 |
| Return on assets (ROA) | 0.2697% | 5,308 |
| Pretax return on assets | 0.3041% | 5,333 |
| Return on Equity (ROE) | 2.3152% | 5,281 |
| Retained earnings to average equity (ytd only) | 0.9733% | 4,847 |
| Net charge-offs to loans | 1.5438% | 117 |
| Credit loss provision to net charge-offs | 58.2061% | 2,479 |
| Earnings coverage of net charge-offs (x) | 0.9027% | 3,338 |
| Efficiency ratio | 79.3630% | 1,285 |
| Assets per employee ($millions) | 3.4337% | 4,817 |
| Cash dividends to net income (ytd only)* | 57.9618% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,389 |
| Loan loss allowance to noncurrent loans | 110.7801% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 2,704 |
| Noncurrent loans to loans | 1.0257% | 1,915 |
| Net loans and leases to total assets | 59.9702% | 3,846 |
| Net loans and leases to deposits | 69.0990% | 3,980 |
| Net loans and leases to core deposits | 70.5041% | 4,191 |
| Total domestic deposits to total assets | 86.7888% | 2,043 |
| Equity capital to assets | 12.1478% | 1,831 |
| Core capital (leverage) ratio | 11.4754% | 1,985 |
| Tier 1 risk-based capital ratio | 18.8955% | 1,609 |
| Total risk-based capital ratio | 20.0114% | 1,607 |
| Memoranda: | ||
| Average total assets | $116,406,330 | 4,019 |
| Average earning assets | $108,415,670 | 4,007 |
| Average equity | $13,562,330 | 3,954 |
| Average total loans | $67,884,330 | 4,063 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 4,320 |
| Cost of funding earning assets | 0.2370% | 4,663 |
| Net interest margin | 3.3977% | 3,657 |
| Noninterest income to average assets | 0.4612% | 3,247 |
| Noninterest expense to average assets | 3.0724% | 1,948 |
| Loan and lease loss provision to assets | 1.0038% | 85 |
| Net operating income to assets | -0.1865% | 5,675 |
| Return on assets (ROA) | -0.1865% | 5,675 |
| Pretax return on assets | -0.4544% | 5,722 |
| Return on Equity (ROE) | -1.6344% | 5,673 |
| Retained earnings to average equity (ytd only) | -1.6344% | 5,140 |
| Net charge-offs to loans | 3.1782% | 47 |
| Credit loss provision to net charge-offs | 55.2239% | 1,943 |
| Earnings coverage of net charge-offs (x) | 0.3022% | 2,827 |
| Efficiency ratio | 84.8315% | 903 |
| Assets per employee ($millions) | 3.6112% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,443 |
| Loan loss allowance to noncurrent loans | 115.8537% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 3,031 |
| Noncurrent loans to loans | 0.9884% | 2,073 |
| Net loans and leases to total assets | 55.0571% | 4,249 |
| Net loans and leases to deposits | 62.4635% | 4,407 |
| Net loans and leases to core deposits | 63.7991% | 4,550 |
| Total domestic deposits to total assets | 88.1429% | 1,630 |
| Equity capital to assets | 11.3133% | 2,342 |
| Core capital (leverage) ratio | 10.9411% | 2,420 |
| Tier 1 risk-based capital ratio | 18.8099% | 1,656 |
| Total risk-based capital ratio | 19.9009% | 1,662 |
| Memoranda: | ||
| Average total assets | $117,953,000 | 4,029 |
| Average earning assets | $109,721,500 | 4,019 |
| Average equity | $13,461,000 | 3,994 |
| Average total loans | $67,459,000 | 4,104 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 3,987 |
| Cost of funding earning assets | 0.2241% | 4,794 |
| Net interest margin | 3.5491% | 3,252 |
| Noninterest income to average assets | 1.1145% | 926 |
| Noninterest expense to average assets | 3.5722% | 1,051 |
| Loan and lease loss provision to assets | 0.0105% | 4,163 |
| Net operating income to assets | 0.5967% | 4,218 |
| Return on assets (ROA) | 0.5967% | 4,330 |
| Pretax return on assets | 0.8341% | 4,072 |
| Return on Equity (ROE) | 4.9947% | 4,438 |
| Retained earnings to average equity (ytd only) | 2.7504% | 3,943 |
| Net charge-offs to loans | 0.2161% | 1,281 |
| Credit loss provision to net charge-offs | 8.3916% | 3,746 |
| Earnings coverage of net charge-offs (x) | 6.7413% | 3,129 |
| Efficiency ratio | 80.8768% | 1,316 |
| Assets per employee ($millions) | 3.5375% | 4,704 |
| Cash dividends to net income (ytd only)* | 44.9339% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,840 |
| Loan loss allowance to noncurrent loans | 182.1494% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 3,191 |
| Noncurrent loans to loans | 0.8009% | 2,508 |
| Net loans and leases to total assets | 57.8625% | 4,079 |
| Net loans and leases to deposits | 65.8218% | 4,256 |
| Net loans and leases to core deposits | 67.2605% | 4,448 |
| Total domestic deposits to total assets | 87.9079% | 1,676 |
| Equity capital to assets | 11.5131% | 2,161 |
| Core capital (leverage) ratio | 10.9967% | 2,339 |
| Tier 1 risk-based capital ratio | 18.8205% | 1,648 |
| Total risk-based capital ratio | 20.0727% | 1,610 |
| Memoranda: | ||
| Average total assets | $114,130,400 | 4,089 |
| Average earning assets | $106,194,600 | 4,072 |
| Average equity | $13,634,400 | 4,003 |
| Average total loans | $66,183,000 | 4,137 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,085 |
| Cost of funding earning assets | 0.2170% | 4,906 |
| Net interest margin | 3.5320% | 3,353 |
| Noninterest income to average assets | 0.9117% | 1,373 |
| Noninterest expense to average assets | 3.5377% | 1,082 |
| Loan and lease loss provision to assets | 0.0106% | 4,031 |
| Net operating income to assets | 0.4794% | 4,769 |
| Return on assets (ROA) | 0.4794% | 4,855 |
| Pretax return on assets | 0.6521% | 4,735 |
| Return on Equity (ROE) | 3.9757% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.0889% | 4,062 |
| Net charge-offs to loans | 0.0305% | 3,041 |
| Credit loss provision to net charge-offs | 60.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 37.5990% | 1,286 |
| Efficiency ratio | 84.2238% | 982 |
| Assets per employee ($millions) | 3.6061% | 4,641 |
| Cash dividends to net income (ytd only)* | 22.3037% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 1,346 |
| Loan loss allowance to noncurrent loans | 92.6689% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 1,948 |
| Noncurrent loans to loans | 1.7706% | 1,175 |
| Net loans and leases to total assets | 56.6696% | 4,233 |
| Net loans and leases to deposits | 64.6366% | 4,440 |
| Net loans and leases to core deposits | 65.8497% | 4,617 |
| Total domestic deposits to total assets | 87.6742% | 1,573 |
| Equity capital to assets | 11.6822% | 2,373 |
| Core capital (leverage) ratio | 11.4154% | 2,100 |
| Tier 1 risk-based capital ratio | 18.6438% | 1,749 |
| Total risk-based capital ratio | 19.8983% | 1,717 |
| Memoranda: | ||
| Average total assets | $113,478,750 | 4,134 |
| Average earning assets | $105,660,500 | 4,108 |
| Average equity | $13,683,000 | 4,025 |
| Average total loans | $65,592,000 | 4,179 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 4,001 |
| Cost of funding earning assets | 0.2102% | 5,039 |
| Net interest margin | 3.5770% | 3,186 |
| Noninterest income to average assets | 1.0821% | 961 |
| Noninterest expense to average assets | 3.6439% | 947 |
| Loan and lease loss provision to assets | 0.0107% | 3,883 |
| Net operating income to assets | 0.5477% | 4,491 |
| Return on assets (ROA) | 0.5464% | 4,606 |
| Pretax return on assets | 0.7489% | 4,460 |
| Return on Equity (ROE) | 4.4820% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.1447% | 3,897 |
| Net charge-offs to loans | 0.0155% | 3,219 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 672 |
| Efficiency ratio | 82.7166% | 1,182 |
| Assets per employee ($millions) | 3.1788% | 5,236 |
| Cash dividends to net income (ytd only)* | 29.8361% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 1,229 |
| Loan loss allowance to noncurrent loans | 216.8582% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 3,089 |
| Noncurrent loans to loans | 0.7940% | 2,761 |
| Net loans and leases to total assets | 58.0701% | 4,106 |
| Net loans and leases to deposits | 66.7531% | 4,289 |
| Net loans and leases to core deposits | 67.6626% | 4,503 |
| Total domestic deposits to total assets | 86.9923% | 1,919 |
| Equity capital to assets | 12.3821% | 1,844 |
| Core capital (leverage) ratio | 11.4540% | 2,025 |
| Tier 1 risk-based capital ratio | 19.2982% | 1,627 |
| Total risk-based capital ratio | 20.5535% | 1,587 |
| Memoranda: | ||
| Average total assets | $111,637,670 | 4,193 |
| Average earning assets | $103,717,670 | 4,180 |
| Average equity | $13,610,000 | 4,054 |
| Average total loans | $64,601,670 | 4,225 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 4,248 |
| Cost of funding earning assets | 0.2080% | 5,125 |
| Net interest margin | 3.5124% | 3,419 |
| Noninterest income to average assets | 1.0588% | 966 |
| Noninterest expense to average assets | 3.5698% | 1,066 |
| Loan and lease loss provision to assets | 0.0107% | 3,554 |
| Net operating income to assets | 0.5427% | 4,453 |
| Return on assets (ROA) | 0.5401% | 4,570 |
| Pretax return on assets | 0.7368% | 4,397 |
| Return on Equity (ROE) | 4.4651% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.4651% | 3,256 |
| Net charge-offs to loans | 0.0812% | 1,685 |
| Credit loss provision to net charge-offs | 23.0769% | 2,273 |
| Earnings coverage of net charge-offs (x) | 16.1538% | 1,633 |
| Efficiency ratio | 82.6159% | 1,307 |
| Assets per employee ($millions) | 3.3325% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 1,297 |
| Loan loss allowance to noncurrent loans | 234.5188% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 3,299 |
| Noncurrent loans to loans | 0.7364% | 2,994 |
| Net loans and leases to total assets | 56.2998% | 4,220 |
| Net loans and leases to deposits | 64.4529% | 4,397 |
| Net loans and leases to core deposits | 65.3101% | 4,594 |
| Total domestic deposits to total assets | 87.3502% | 2,028 |
| Equity capital to assets | 12.0444% | 2,002 |
| Core capital (leverage) ratio | 11.5848% | 1,915 |
| Tier 1 risk-based capital ratio | 19.3053% | 1,657 |
| Total risk-based capital ratio | 20.5612% | 1,619 |
| Memoranda: | ||
| Average total assets | $111,828,000 | 4,223 |
| Average earning assets | $103,860,000 | 4,215 |
| Average equity | $13,527,000 | 4,073 |
| Average total loans | $64,033,000 | 4,260 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 4,623 |
| Cost of funding earning assets | 0.1819% | 5,432 |
| Net interest margin | 3.4348% | 3,781 |
| Noninterest income to average assets | 0.9581% | 1,294 |
| Noninterest expense to average assets | 3.2808% | 1,761 |
| Loan and lease loss provision to assets | 0.0212% | 3,961 |
| Net operating income to assets | 0.6114% | 4,214 |
| Return on assets (ROA) | 0.6863% | 3,982 |
| Pretax return on assets | 0.9581% | 3,616 |
| Return on Equity (ROE) | 5.8618% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.8652% | 3,286 |
| Net charge-offs to loans | -0.0227% | 5,310 |
| Credit loss provision to net charge-offs | -184.6154% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9429% | 1,823 |
| Assets per employee ($millions) | 3.2456% | 5,236 |
| Cash dividends to net income (ytd only)* | 34.0617% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 1,148 |
| Loan loss allowance to noncurrent loans | 186.3262% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 2,801 |
| Noncurrent loans to loans | 0.9611% | 2,406 |
| Net loans and leases to total assets | 56.2057% | 4,281 |
| Net loans and leases to deposits | 64.5052% | 4,431 |
| Net loans and leases to core deposits | 65.3879% | 4,640 |
| Total domestic deposits to total assets | 87.1337% | 2,059 |
| Equity capital to assets | 12.1495% | 1,847 |
| Core capital (leverage) ratio | 11.0673% | 2,334 |
| Tier 1 risk-based capital ratio | 19.6667% | 1,551 |
| Total risk-based capital ratio | 20.9220% | 1,520 |
| Memoranda: | ||
| Average total assets | $113,355,000 | 4,190 |
| Average earning assets | $105,537,800 | 4,154 |
| Average equity | $13,272,400 | 4,082 |
| Average total loans | $57,364,600 | 4,448 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 4,863 |
| Cost of funding earning assets | 0.1756% | 5,588 |
| Net interest margin | 3.3759% | 4,049 |
| Noninterest income to average assets | 0.9009% | 1,446 |
| Noninterest expense to average assets | 3.2273% | 1,891 |
| Loan and lease loss provision to assets | 0.0245% | 3,779 |
| Net operating income to assets | 0.5787% | 4,484 |
| Return on assets (ROA) | 0.6555% | 4,215 |
| Pretax return on assets | 0.8997% | 3,982 |
| Return on Equity (ROE) | 5.6499% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.4313% | 3,307 |
| Net charge-offs to loans | -0.0072% | 4,900 |
| Credit loss provision to net charge-offs | -700.0000% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7574% | 1,695 |
| Assets per employee ($millions) | 3.4603% | 4,872 |
| Cash dividends to net income (ytd only)* | 21.5688% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 1,101 |
| Loan loss allowance to noncurrent loans | 148.6702% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 3,061 |
| Noncurrent loans to loans | 1.2682% | 2,016 |
| Net loans and leases to total assets | 48.0365% | 5,076 |
| Net loans and leases to deposits | 54.3547% | 5,227 |
| Net loans and leases to core deposits | 54.8911% | 5,361 |
| Total domestic deposits to total assets | 88.3760% | 1,359 |
| Equity capital to assets | 11.0608% | 2,949 |
| Core capital (leverage) ratio | 10.9830% | 2,508 |
| Tier 1 risk-based capital ratio | 19.2385% | 1,719 |
| Total risk-based capital ratio | 20.4935% | 1,682 |
| Memoranda: | ||
| Average total assets | $114,106,250 | 4,218 |
| Average earning assets | $106,318,500 | 4,175 |
| Average equity | $13,238,750 | 4,134 |
| Average total loans | $55,917,250 | 4,542 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 4,649 |
| Cost of funding earning assets | 0.1731% | 5,664 |
| Net interest margin | 3.4542% | 3,687 |
| Noninterest income to average assets | 0.8732% | 1,531 |
| Noninterest expense to average assets | 3.2173% | 1,930 |
| Loan and lease loss provision to assets | 0.0322% | 3,473 |
| Net operating income to assets | 0.6079% | 4,307 |
| Return on assets (ROA) | 0.6406% | 4,275 |
| Pretax return on assets | 0.8822% | 4,023 |
| Return on Equity (ROE) | 5.4299% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.5946% | 3,737 |
| Net charge-offs to loans | -0.0073% | 4,843 |
| Credit loss provision to net charge-offs | -900.0000% | 5,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7215% | 1,963 |
| Assets per employee ($millions) | 3.3342% | 5,102 |
| Cash dividends to net income (ytd only)* | 33.7989% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9519% | 1,069 |
| Loan loss allowance to noncurrent loans | 131.3679% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 2,735 |
| Noncurrent loans to loans | 1.4858% | 1,788 |
| Net loans and leases to total assets | 50.8602% | 4,860 |
| Net loans and leases to deposits | 59.3086% | 4,908 |
| Net loans and leases to core deposits | 59.9734% | 5,075 |
| Total domestic deposits to total assets | 85.7553% | 2,818 |
| Equity capital to assets | 12.0080% | 2,024 |
| Core capital (leverage) ratio | 11.2023% | 2,244 |
| Tier 1 risk-based capital ratio | 21.0099% | 1,361 |
| Total risk-based capital ratio | 22.2680% | 1,327 |
| Memoranda: | ||
| Average total assets | $111,771,000 | 4,307 |
| Average earning assets | $103,988,330 | 4,273 |
| Average equity | $13,186,330 | 4,169 |
| Average total loans | $54,791,000 | 4,620 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 4,805 |
| Cost of funding earning assets | 0.1714% | 5,756 |
| Net interest margin | 3.3867% | 3,899 |
| Noninterest income to average assets | 0.7812% | 1,778 |
| Noninterest expense to average assets | 3.1107% | 2,237 |
| Loan and lease loss provision to assets | 0.0533% | 2,877 |
| Net operating income to assets | 0.5611% | 4,442 |
| Return on assets (ROA) | 0.6250% | 4,274 |
| Pretax return on assets | 0.8629% | 4,014 |
| Return on Equity (ROE) | 5.3441% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.3441% | 2,868 |
| Net charge-offs to loans | 0.0075% | 3,078 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 241 |
| Efficiency ratio | 78.9901% | 2,043 |
| Assets per employee ($millions) | 3.3463% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 933 |
| Loan loss allowance to noncurrent loans | 107.5728% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 2,560 |
| Noncurrent loans to loans | 1.9468% | 1,370 |
| Net loans and leases to total assets | 45.5293% | 5,234 |
| Net loans and leases to deposits | 51.9194% | 5,339 |
| Net loans and leases to core deposits | 52.4690% | 5,456 |
| Total domestic deposits to total assets | 87.6922% | 1,990 |
| Equity capital to assets | 11.6847% | 2,309 |
| Core capital (leverage) ratio | 10.9591% | 2,447 |
| Tier 1 risk-based capital ratio | 21.5175% | 1,318 |
| Total risk-based capital ratio | 22.7760% | 1,291 |
| Memoranda: | ||
| Average total assets | $112,643,000 | 4,319 |
| Average earning assets | $104,997,500 | 4,275 |
| Average equity | $13,173,500 | 4,209 |
| Average total loans | $53,649,500 | 4,682 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 5,094 |
| Cost of funding earning assets | 0.2087% | 5,676 |
| Net interest margin | 3.3855% | 4,250 |
| Noninterest income to average assets | 0.8577% | 1,650 |
| Noninterest expense to average assets | 3.0678% | 2,630 |
| Loan and lease loss provision to assets | 0.0799% | 2,887 |
| Net operating income to assets | 0.6139% | 4,308 |
| Return on assets (ROA) | 0.6589% | 4,194 |
| Pretax return on assets | 0.9271% | 3,791 |
| Return on Equity (ROE) | 5.9985% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.7224% | 3,566 |
| Net charge-offs to loans | 0.1731% | 2,296 |
| Credit loss provision to net charge-offs | 104.5455% | 2,292 |
| Earnings coverage of net charge-offs (x) | 12.3523% | 2,385 |
| Efficiency ratio | 76.4120% | 2,449 |
| Assets per employee ($millions) | 3.1861% | 5,450 |
| Cash dividends to net income (ytd only)* | 37.9447% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 1,093 |
| Loan loss allowance to noncurrent loans | 108.4242% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 2,682 |
| Noncurrent loans to loans | 1.8551% | 1,532 |
| Net loans and leases to total assets | 47.7944% | 5,176 |
| Net loans and leases to deposits | 56.4055% | 5,156 |
| Net loans and leases to core deposits | 57.0357% | 5,311 |
| Total domestic deposits to total assets | 84.7336% | 3,404 |
| Equity capital to assets | 11.7054% | 2,250 |
| Core capital (leverage) ratio | 10.7384% | 2,683 |
| Tier 1 risk-based capital ratio | 20.6010% | 1,491 |
| Total risk-based capital ratio | 21.8581% | 1,460 |
| Memoranda: | ||
| Average total assets | $115,196,800 | 4,272 |
| Average earning assets | $107,309,800 | 4,242 |
| Average equity | $12,653,200 | 4,251 |
| Average total loans | $50,844,800 | 4,788 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 5,255 |
| Cost of funding earning assets | 0.2157% | 5,712 |
| Net interest margin | 3.3394% | 4,469 |
| Noninterest income to average assets | 0.7349% | 2,157 |
| Noninterest expense to average assets | 2.9705% | 2,905 |
| Loan and lease loss provision to assets | 0.0861% | 2,632 |
| Net operating income to assets | 0.5723% | 4,582 |
| Return on assets (ROA) | 0.6327% | 4,395 |
| Pretax return on assets | 0.8727% | 4,103 |
| Return on Equity (ROE) | 5.8523% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.8857% | 3,166 |
| Net charge-offs to loans | 0.0320% | 3,848 |
| Credit loss provision to net charge-offs | 625.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 63.4981% | 830 |
| Efficiency ratio | 77.1574% | 2,326 |
| Assets per employee ($millions) | 3.2023% | 5,427 |
| Cash dividends to net income (ytd only)* | 16.5153% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2701% | 855 |
| Loan loss allowance to noncurrent loans | 95.2893% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 2,798 |
| Noncurrent loans to loans | 2.3823% | 1,250 |
| Net loans and leases to total assets | 44.2884% | 5,505 |
| Net loans and leases to deposits | 50.3607% | 5,628 |
| Net loans and leases to core deposits | 51.0579% | 5,741 |
| Total domestic deposits to total assets | 87.9424% | 1,798 |
| Equity capital to assets | 11.5312% | 2,451 |
| Core capital (leverage) ratio | 10.5430% | 2,992 |
| Tier 1 risk-based capital ratio | 21.5829% | 1,325 |
| Total risk-based capital ratio | 22.8423% | 1,307 |
| Memoranda: | ||
| Average total assets | $116,117,750 | 4,299 |
| Average earning assets | $108,162,000 | 4,262 |
| Average equity | $12,553,250 | 4,295 |
| Average total loans | $49,958,250 | 4,868 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 5,365 |
| Cost of funding earning assets | 0.2213% | 5,736 |
| Net interest margin | 3.2998% | 4,586 |
| Noninterest income to average assets | 0.8309% | 1,733 |
| Noninterest expense to average assets | 3.0052% | 2,808 |
| Loan and lease loss provision to assets | 0.0851% | 2,606 |
| Net operating income to assets | 0.5970% | 4,367 |
| Return on assets (ROA) | 0.6504% | 4,199 |
| Pretax return on assets | 0.8854% | 3,937 |
| Return on Equity (ROE) | 6.1466% | 4,076 |
| Retained earnings to average equity (ytd only) | 4.6823% | 3,163 |
| Net charge-offs to loans | 0.0604% | 3,112 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 35.1333% | 1,151 |
| Efficiency ratio | 76.8761% | 2,473 |
| Assets per employee ($millions) | 3.5080% | 4,833 |
| Cash dividends to net income (ytd only)* | 23.8220% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 983 |
| Loan loss allowance to noncurrent loans | 93.2063% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 2,983 |
| Noncurrent loans to loans | 2.3932% | 1,327 |
| Net loans and leases to total assets | 42.5949% | 5,638 |
| Net loans and leases to deposits | 48.1270% | 5,765 |
| Net loans and leases to core deposits | 48.7672% | 5,862 |
| Total domestic deposits to total assets | 88.5052% | 1,636 |
| Equity capital to assets | 11.0457% | 2,829 |
| Core capital (leverage) ratio | 10.1715% | 3,390 |
| Tier 1 risk-based capital ratio | 20.6442% | 1,527 |
| Total risk-based capital ratio | 21.9022% | 1,496 |
| Memoranda: | ||
| Average total assets | $117,464,000 | 4,293 |
| Average earning assets | $109,340,670 | 4,258 |
| Average equity | $12,429,670 | 4,325 |
| Average total loans | $49,680,670 | 4,907 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5236% | 5,365 |
| Cost of funding earning assets | 0.2293% | 5,759 |
| Net interest margin | 3.2943% | 4,561 |
| Noninterest income to average assets | 0.8215% | 1,667 |
| Noninterest expense to average assets | 3.0123% | 2,827 |
| Loan and lease loss provision to assets | 0.0845% | 2,493 |
| Net operating income to assets | 0.5747% | 4,324 |
| Return on assets (ROA) | 0.5747% | 4,399 |
| Pretax return on assets | 0.7844% | 4,166 |
| Return on Equity (ROE) | 5.5506% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.5506% | 2,764 |
| Net charge-offs to loans | 0.1460% | 1,848 |
| Credit loss provision to net charge-offs | 138.8889% | 1,318 |
| Earnings coverage of net charge-offs (x) | 14.2778% | 1,620 |
| Efficiency ratio | 77.3519% | 2,583 |
| Assets per employee ($millions) | 3.7737% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 1,013 |
| Loan loss allowance to noncurrent loans | 94.7323% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 3,332 |
| Noncurrent loans to loans | 2.4381% | 1,434 |
| Net loans and leases to total assets | 38.4231% | 5,913 |
| Net loans and leases to deposits | 42.9967% | 6,024 |
| Net loans and leases to core deposits | 43.5389% | 6,094 |
| Total domestic deposits to total assets | 89.3630% | 1,437 |
| Equity capital to assets | 10.2503% | 3,539 |
| Core capital (leverage) ratio | 10.0292% | 3,534 |
| Tier 1 risk-based capital ratio | 20.5939% | 1,559 |
| Total risk-based capital ratio | 21.8426% | 1,532 |
| Memoranda: | ||
| Average total assets | $118,313,500 | 4,309 |
| Average earning assets | $109,888,000 | 4,275 |
| Average equity | $12,251,000 | 4,382 |
| Average total loans | $49,303,500 | 4,958 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 5,516 |
| Cost of funding earning assets | 0.2854% | 5,710 |
| Net interest margin | 3.2725% | 4,766 |
| Noninterest income to average assets | 0.7370% | 2,350 |
| Noninterest expense to average assets | 2.9066% | 3,357 |
| Loan and lease loss provision to assets | 0.0759% | 3,589 |
| Net operating income to assets | 0.5934% | 4,294 |
| Return on assets (ROA) | 0.6510% | 4,134 |
| Pretax return on assets | 0.8677% | 3,890 |
| Return on Equity (ROE) | 6.3471% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.2835% | 3,125 |
| Net charge-offs to loans | 0.3947% | 1,707 |
| Credit loss provision to net charge-offs | 46.3918% | 3,905 |
| Earnings coverage of net charge-offs (x) | 5.2990% | 3,334 |
| Efficiency ratio | 76.6034% | 2,691 |
| Assets per employee ($millions) | 3.8623% | 4,136 |
| Cash dividends to net income (ytd only)* | 32.5130% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 1,279 |
| Loan loss allowance to noncurrent loans | 76.1705% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2350% | 2,943 |
| Noncurrent loans to loans | 2.7998% | 1,265 |
| Net loans and leases to total assets | 43.1703% | 5,745 |
| Net loans and leases to deposits | 48.4540% | 5,868 |
| Net loans and leases to core deposits | 49.0922% | 5,978 |
| Total domestic deposits to total assets | 89.0954% | 1,560 |
| Equity capital to assets | 10.4635% | 3,211 |
| Core capital (leverage) ratio | 10.1895% | 3,307 |
| Tier 1 risk-based capital ratio | 19.6447% | 1,741 |
| Total risk-based capital ratio | 20.9021% | 1,709 |
| Memoranda: | ||
| Average total assets | $118,593,800 | 4,303 |
| Average earning assets | $110,039,400 | 4,261 |
| Average equity | $12,163,000 | 4,413 |
| Average total loans | $49,147,800 | 5,000 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 5,579 |
| Cost of funding earning assets | 0.3002% | 5,736 |
| Net interest margin | 3.2501% | 4,828 |
| Noninterest income to average assets | 0.7579% | 2,328 |
| Noninterest expense to average assets | 2.9354% | 3,187 |
| Loan and lease loss provision to assets | 0.1006% | 3,084 |
| Net operating income to assets | 0.5596% | 4,530 |
| Return on assets (ROA) | 0.6115% | 4,430 |
| Pretax return on assets | 0.8037% | 4,281 |
| Return on Equity (ROE) | 5.9914% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.3342% | 2,847 |
| Net charge-offs to loans | 0.3946% | 1,624 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 5.1943% | 3,262 |
| Efficiency ratio | 77.4155% | 2,494 |
| Assets per employee ($millions) | 3.8157% | 4,199 |
| Cash dividends to net income (ytd only)* | 10.9691% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4078% | 1,040 |
| Loan loss allowance to noncurrent loans | 117.6289% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 3,814 |
| Noncurrent loans to loans | 2.0470% | 2,196 |
| Net loans and leases to total assets | 40.3994% | 6,004 |
| Net loans and leases to deposits | 45.3490% | 6,138 |
| Net loans and leases to core deposits | 45.8340% | 6,220 |
| Total domestic deposits to total assets | 89.0855% | 1,514 |
| Equity capital to assets | 10.5126% | 3,262 |
| Core capital (leverage) ratio | 10.0084% | 3,667 |
| Tier 1 risk-based capital ratio | 20.4757% | 1,606 |
| Total risk-based capital ratio | 21.7355% | 1,578 |
| Memoranda: | ||
| Average total assets | $119,275,000 | 4,333 |
| Average earning assets | $110,599,500 | 4,288 |
| Average equity | $12,172,750 | 4,468 |
| Average total loans | $48,657,000 | 5,059 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 5,511 |
| Cost of funding earning assets | 0.3137% | 5,727 |
| Net interest margin | 3.2614% | 4,726 |
| Noninterest income to average assets | 0.7578% | 2,377 |
| Noninterest expense to average assets | 2.9385% | 3,205 |
| Loan and lease loss provision to assets | 0.1489% | 2,472 |
| Net operating income to assets | 0.5337% | 4,652 |
| Return on assets (ROA) | 0.5890% | 4,533 |
| Pretax return on assets | 0.7710% | 4,424 |
| Return on Equity (ROE) | 5.8270% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.8449% | 3,151 |
| Net charge-offs to loans | 0.5949% | 1,111 |
| Credit loss provision to net charge-offs | 61.6438% | 2,987 |
| Earnings coverage of net charge-offs (x) | 3.5068% | 3,375 |
| Efficiency ratio | 77.2290% | 2,590 |
| Assets per employee ($millions) | 3.7120% | 4,379 |
| Cash dividends to net income (ytd only)* | 16.8539% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4672% | 1,020 |
| Loan loss allowance to noncurrent loans | 82.9446% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 3,142 |
| Noncurrent loans to loans | 2.9745% | 1,501 |
| Net loans and leases to total assets | 39.0943% | 6,103 |
| Net loans and leases to deposits | 43.8009% | 6,239 |
| Net loans and leases to core deposits | 44.2838% | 6,323 |
| Total domestic deposits to total assets | 89.2546% | 1,478 |
| Equity capital to assets | 10.3682% | 3,468 |
| Core capital (leverage) ratio | 9.6215% | 4,044 |
| Tier 1 risk-based capital ratio | 20.5749% | 1,596 |
| Total risk-based capital ratio | 21.8350% | 1,562 |
| Memoranda: | ||
| Average total assets | $120,876,000 | 4,329 |
| Average earning assets | $112,223,330 | 4,286 |
| Average equity | $12,219,000 | 4,484 |
| Average total loans | $49,080,330 | 5,065 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 5,421 |
| Cost of funding earning assets | 0.3311% | 5,712 |
| Net interest margin | 3.2798% | 4,589 |
| Noninterest income to average assets | 0.7465% | 2,351 |
| Noninterest expense to average assets | 2.9149% | 3,290 |
| Loan and lease loss provision to assets | 0.1454% | 2,423 |
| Net operating income to assets | 0.5461% | 4,468 |
| Return on assets (ROA) | 0.6528% | 4,101 |
| Pretax return on assets | 0.8693% | 3,874 |
| Return on Equity (ROE) | 6.5356% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.5356% | 2,396 |
| Net charge-offs to loans | 0.6408% | 952 |
| Credit loss provision to net charge-offs | 55.5556% | 2,512 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,784 |
| Efficiency ratio | 76.5358% | 2,837 |
| Assets per employee ($millions) | 4.1453% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3903% | 1,262 |
| Loan loss allowance to noncurrent loans | 87.3303% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3799% | 3,201 |
| Noncurrent loans to loans | 2.7371% | 1,859 |
| Net loans and leases to total assets | 38.0249% | 6,147 |
| Net loans and leases to deposits | 42.4521% | 6,292 |
| Net loans and leases to core deposits | 43.3567% | 6,344 |
| Total domestic deposits to total assets | 89.5712% | 1,315 |
| Equity capital to assets | 10.0098% | 4,140 |
| Core capital (leverage) ratio | 9.0703% | 4,769 |
| Tier 1 risk-based capital ratio | 19.2123% | 1,977 |
| Total risk-based capital ratio | 20.4732% | 1,948 |
| Memoranda: | ||
| Average total assets | $123,777,500 | 4,309 |
| Average earning assets | $114,763,000 | 4,269 |
| Average equity | $12,363,000 | 4,501 |
| Average total loans | $50,558,000 | 5,033 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 5,200 |
| Cost of funding earning assets | 0.5157% | 5,105 |
| Net interest margin | 3.5217% | 4,410 |
| Noninterest income to average assets | 0.5117% | 3,820 |
| Noninterest expense to average assets | 2.7066% | 4,377 |
| Loan and lease loss provision to assets | 0.3318% | 2,049 |
| Net operating income to assets | 0.5715% | 4,373 |
| Return on assets (ROA) | 0.6349% | 4,330 |
| Pretax return on assets | 0.8212% | 4,219 |
| Return on Equity (ROE) | 6.5503% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.8013% | 2,849 |
| Net charge-offs to loans | 0.4775% | 2,331 |
| Credit loss provision to net charge-offs | 170.0820% | 1,556 |
| Earnings coverage of net charge-offs (x) | 5.4877% | 3,026 |
| Efficiency ratio | 71.2320% | 3,584 |
| Assets per employee ($millions) | 4.1066% | 3,721 |
| Cash dividends to net income (ytd only)* | 26.7003% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 1,423 |
| Loan loss allowance to noncurrent loans | 90.8676% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 3,304 |
| Noncurrent loans to loans | 2.4947% | 2,121 |
| Net loans and leases to total assets | 41.7843% | 6,026 |
| Net loans and leases to deposits | 46.7820% | 6,197 |
| Net loans and leases to core deposits | 47.7900% | 6,279 |
| Total domestic deposits to total assets | 89.3171% | 1,358 |
| Equity capital to assets | 9.9662% | 4,216 |
| Core capital (leverage) ratio | 8.7361% | 5,270 |
| Tier 1 risk-based capital ratio | 18.0764% | 2,236 |
| Total risk-based capital ratio | 19.3363% | 2,205 |
| Memoranda: | ||
| Average total assets | $125,062,800 | 4,247 |
| Average earning assets | $115,966,000 | 4,212 |
| Average equity | $12,121,600 | 4,544 |
| Average total loans | $51,096,000 | 5,062 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 5,461 |
| Cost of funding earning assets | 0.5529% | 5,058 |
| Net interest margin | 3.4668% | 4,772 |
| Noninterest income to average assets | 0.5842% | 3,387 |
| Noninterest expense to average assets | 2.7371% | 4,226 |
| Loan and lease loss provision to assets | 0.3452% | 1,897 |
| Net operating income to assets | 0.5573% | 4,587 |
| Return on assets (ROA) | 0.6415% | 4,440 |
| Pretax return on assets | 0.8348% | 4,361 |
| Return on Equity (ROE) | 6.6651% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.2899% | 2,493 |
| Net charge-offs to loans | 0.5259% | 2,040 |
| Credit loss provision to net charge-offs | 162.5000% | 1,712 |
| Earnings coverage of net charge-offs (x) | 5.0400% | 3,130 |
| Efficiency ratio | 71.4644% | 3,419 |
| Assets per employee ($millions) | 4.3262% | 3,219 |
| Cash dividends to net income (ytd only)* | 5.6289% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 1,480 |
| Loan loss allowance to noncurrent loans | 79.3366% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 3,522 |
| Noncurrent loans to loans | 2.9243% | 1,910 |
| Net loans and leases to total assets | 37.2413% | 6,468 |
| Net loans and leases to deposits | 41.5648% | 6,617 |
| Net loans and leases to core deposits | 42.5150% | 6,653 |
| Total domestic deposits to total assets | 89.5983% | 1,073 |
| Equity capital to assets | 9.6582% | 4,976 |
| Core capital (leverage) ratio | 8.8045% | 5,343 |
| Tier 1 risk-based capital ratio | 18.4160% | 2,195 |
| Total risk-based capital ratio | 19.6745% | 2,159 |
| Memoranda: | ||
| Average total assets | $125,529,250 | 4,281 |
| Average earning assets | $116,722,500 | 4,233 |
| Average equity | $12,082,500 | 4,594 |
| Average total loans | $50,702,250 | 5,141 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 5,520 |
| Cost of funding earning assets | 0.6083% | 4,832 |
| Net interest margin | 3.4306% | 4,967 |
| Noninterest income to average assets | 0.6204% | 3,126 |
| Noninterest expense to average assets | 2.7750% | 4,118 |
| Loan and lease loss provision to assets | 0.3304% | 1,987 |
| Net operating income to assets | 0.5521% | 4,574 |
| Return on assets (ROA) | 0.6833% | 4,220 |
| Pretax return on assets | 0.8621% | 4,226 |
| Return on Equity (ROE) | 7.1071% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.5372% | 2,366 |
| Net charge-offs to loans | 0.2974% | 2,835 |
| Credit loss provision to net charge-offs | 269.7368% | 1,075 |
| Earnings coverage of net charge-offs (x) | 8.3816% | 2,304 |
| Efficiency ratio | 72.5731% | 3,330 |
| Assets per employee ($millions) | 4.1873% | 3,476 |
| Cash dividends to net income (ytd only)* | 8.0189% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 1,588 |
| Loan loss allowance to noncurrent loans | 76.5957% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 3,624 |
| Noncurrent loans to loans | 3.0028% | 1,974 |
| Net loans and leases to total assets | 38.9554% | 6,410 |
| Net loans and leases to deposits | 43.3852% | 6,582 |
| Net loans and leases to core deposits | 44.4068% | 6,645 |
| Total domestic deposits to total assets | 89.7897% | 1,049 |
| Equity capital to assets | 9.6260% | 4,874 |
| Core capital (leverage) ratio | 8.7951% | 5,221 |
| Tier 1 risk-based capital ratio | 18.4812% | 2,138 |
| Total risk-based capital ratio | 19.7396% | 2,096 |
| Memoranda: | ||
| Average total assets | $124,110,330 | 4,327 |
| Average earning assets | $115,082,000 | 4,289 |
| Average equity | $11,931,670 | 4,622 |
| Average total loans | $51,109,000 | 5,144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 5,450 |
| Cost of funding earning assets | 0.6677% | 4,558 |
| Net interest margin | 3.4336% | 4,986 |
| Noninterest income to average assets | 0.3924% | 4,725 |
| Noninterest expense to average assets | 2.6168% | 4,755 |
| Loan and lease loss provision to assets | 0.2918% | 2,131 |
| Net operating income to assets | 0.5123% | 4,770 |
| Return on assets (ROA) | 0.5123% | 4,982 |
| Pretax return on assets | 0.6518% | 4,934 |
| Return on Equity (ROE) | 5.3327% | 4,624 |
| Retained earnings to average equity (ytd only) | 5.3327% | 3,357 |
| Net charge-offs to loans | 0.4649% | 1,926 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 2,491 |
| Efficiency ratio | 73.0419% | 3,252 |
| Assets per employee ($millions) | 4.2448% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1676% | 1,952 |
| Loan loss allowance to noncurrent loans | 66.3098% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4771% | 3,651 |
| Noncurrent loans to loans | 3.2689% | 1,956 |
| Net loans and leases to total assets | 37.3207% | 6,540 |
| Net loans and leases to deposits | 41.4538% | 6,683 |
| Net loans and leases to core deposits | 42.4120% | 6,727 |
| Total domestic deposits to total assets | 90.0294% | 1,069 |
| Equity capital to assets | 9.3855% | 4,984 |
| Core capital (leverage) ratio | 8.6130% | 5,428 |
| Tier 1 risk-based capital ratio | 18.5058% | 2,147 |
| Total risk-based capital ratio | 19.7602% | 2,115 |
| Memoranda: | ||
| Average total assets | $123,356,500 | 4,369 |
| Average earning assets | $113,817,500 | 4,337 |
| Average equity | $11,851,500 | 4,644 |
| Average total loans | $51,620,000 | 5,159 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 4,419 |
| Cost of funding earning assets | 0.9295% | 3,879 |
| Net interest margin | 3.7310% | 4,151 |
| Noninterest income to average assets | 0.3077% | 5,336 |
| Noninterest expense to average assets | 2.8987% | 3,963 |
| Loan and lease loss provision to assets | 0.3804% | 2,718 |
| Net operating income to assets | 0.3829% | 4,937 |
| Return on assets (ROA) | 0.4878% | 4,682 |
| Pretax return on assets | 0.5723% | 4,775 |
| Return on Equity (ROE) | 5.0134% | 4,385 |
| Retained earnings to average equity (ytd only) | 3.4320% | 3,782 |
| Net charge-offs to loans | 1.1154% | 1,541 |
| Credit loss provision to net charge-offs | 69.7674% | 4,856 |
| Earnings coverage of net charge-offs (x) | 1.5209% | 4,637 |
| Efficiency ratio | 77.1882% | 2,714 |
| Assets per employee ($millions) | 3.8506% | 4,204 |
| Cash dividends to net income (ytd only)* | 31.5425% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,652 |
| Loan loss allowance to noncurrent loans | 71.3887% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5071% | 3,690 |
| Noncurrent loans to loans | 2.6216% | 2,491 |
| Net loans and leases to total assets | 44.9350% | 6,116 |
| Net loans and leases to deposits | 50.1745% | 6,354 |
| Net loans and leases to core deposits | 52.0525% | 6,427 |
| Total domestic deposits to total assets | 89.5575% | 1,231 |
| Equity capital to assets | 9.8443% | 4,376 |
| Core capital (leverage) ratio | 8.7452% | 5,182 |
| Tier 1 risk-based capital ratio | 17.1974% | 2,512 |
| Total risk-based capital ratio | 18.4524% | 2,472 |
| Memoranda: | ||
| Average total assets | $118,294,400 | 4,451 |
| Average earning assets | $108,442,400 | 4,438 |
| Average equity | $11,509,200 | 4,660 |
| Average total loans | $57,828,200 | 4,956 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 4,603 |
| Cost of funding earning assets | 0.9739% | 3,855 |
| Net interest margin | 3.6936% | 4,363 |
| Noninterest income to average assets | 0.3434% | 5,116 |
| Noninterest expense to average assets | 2.8784% | 4,020 |
| Loan and lease loss provision to assets | 0.2542% | 3,469 |
| Net operating income to assets | 0.5032% | 4,537 |
| Return on assets (ROA) | 0.5117% | 4,684 |
| Pretax return on assets | 0.6100% | 4,776 |
| Return on Equity (ROE) | 5.2755% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.8330% | 3,293 |
| Net charge-offs to loans | 0.8598% | 1,848 |
| Credit loss provision to net charge-offs | 59.5238% | 4,817 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,148 |
| Efficiency ratio | 76.5133% | 2,764 |
| Assets per employee ($millions) | 3.8577% | 4,175 |
| Cash dividends to net income (ytd only)* | 8.3894% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 2,612 |
| Loan loss allowance to noncurrent loans | 66.2726% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6958% | 3,546 |
| Noncurrent loans to loans | 2.8658% | 2,433 |
| Net loans and leases to total assets | 46.0001% | 6,150 |
| Net loans and leases to deposits | 52.0302% | 6,361 |
| Net loans and leases to core deposits | 53.9932% | 6,459 |
| Total domestic deposits to total assets | 88.4103% | 1,806 |
| Equity capital to assets | 10.0043% | 4,335 |
| Core capital (leverage) ratio | 8.9263% | 5,058 |
| Tier 1 risk-based capital ratio | 16.8327% | 2,704 |
| Total risk-based capital ratio | 18.0866% | 2,675 |
| Memoranda: | ||
| Average total assets | $118,026,000 | 4,482 |
| Average earning assets | $108,292,750 | 4,473 |
| Average equity | $11,448,750 | 4,705 |
| Average total loans | $58,620,000 | 4,967 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 4,898 |
| Cost of funding earning assets | 1.0421% | 3,656 |
| Net interest margin | 3.5748% | 4,813 |
| Noninterest income to average assets | 0.2485% | 5,870 |
| Noninterest expense to average assets | 2.8526% | 4,224 |
| Loan and lease loss provision to assets | 0.2553% | 3,358 |
| Net operating income to assets | 0.3987% | 4,953 |
| Return on assets (ROA) | 0.4136% | 5,035 |
| Pretax return on assets | 0.4255% | 5,316 |
| Return on Equity (ROE) | 4.3097% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.6357% | 3,917 |
| Net charge-offs to loans | 1.1065% | 1,425 |
| Credit loss provision to net charge-offs | 45.5927% | 4,687 |
| Earnings coverage of net charge-offs (x) | 1.1884% | 4,393 |
| Efficiency ratio | 80.3580% | 2,328 |
| Assets per employee ($millions) | 3.6650% | 4,528 |
| Cash dividends to net income (ytd only)* | 15.6379% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 2,886 |
| Loan loss allowance to noncurrent loans | 49.4762% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.1879% | 3,001 |
| Noncurrent loans to loans | 3.7032% | 1,898 |
| Net loans and leases to total assets | 47.4659% | 6,108 |
| Net loans and leases to deposits | 53.4997% | 6,346 |
| Net loans and leases to core deposits | 55.5752% | 6,444 |
| Total domestic deposits to total assets | 88.7219% | 1,703 |
| Equity capital to assets | 9.8337% | 4,352 |
| Core capital (leverage) ratio | 8.6543% | 5,299 |
| Tier 1 risk-based capital ratio | 17.6032% | 2,305 |
| Total risk-based capital ratio | 18.8752% | 2,271 |
| Memoranda: | ||
| Average total assets | $117,505,000 | 4,526 |
| Average earning assets | $107,475,670 | 4,524 |
| Average equity | $11,277,000 | 4,744 |
| Average total loans | $59,468,000 | 4,979 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 4,620 |
| Cost of funding earning assets | 1.0884% | 3,597 |
| Net interest margin | 3.5905% | 4,613 |
| Noninterest income to average assets | 0.2517% | 5,889 |
| Noninterest expense to average assets | 3.0132% | 3,584 |
| Loan and lease loss provision to assets | 0.2551% | 3,105 |
| Net operating income to assets | 0.2823% | 5,496 |
| Return on assets (ROA) | 0.3095% | 5,432 |
| Pretax return on assets | 0.2755% | 5,724 |
| Return on Equity (ROE) | 3.2649% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.2649% | 4,221 |
| Net charge-offs to loans | 1.3016% | 1,065 |
| Credit loss provision to net charge-offs | 37.8788% | 3,986 |
| Earnings coverage of net charge-offs (x) | 0.7475% | 4,075 |
| Efficiency ratio | 84.9130% | 1,852 |
| Assets per employee ($millions) | 3.6098% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,733 |
| Loan loss allowance to noncurrent loans | 79.8687% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 3,758 |
| Noncurrent loans to loans | 2.3627% | 3,124 |
| Net loans and leases to total assets | 47.7926% | 6,104 |
| Net loans and leases to deposits | 53.5584% | 6,337 |
| Net loans and leases to core deposits | 55.8540% | 6,422 |
| Total domestic deposits to total assets | 89.2347% | 1,629 |
| Equity capital to assets | 9.4432% | 4,512 |
| Core capital (leverage) ratio | 8.4505% | 5,547 |
| Tier 1 risk-based capital ratio | 16.5207% | 2,652 |
| Total risk-based capital ratio | 17.7919% | 2,618 |
| Memoranda: | ||
| Average total assets | $117,617,500 | 4,545 |
| Average earning assets | $106,949,500 | 4,560 |
| Average equity | $11,149,000 | 4,757 |
| Average total loans | $60,848,500 | 4,969 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3384% | 2,941 |
| Cost of funding earning assets | 1.3961% | 3,296 |
| Net interest margin | 3.9423% | 3,294 |
| Noninterest income to average assets | 0.1396% | 6,693 |
| Noninterest expense to average assets | 2.7063% | 4,964 |
| Loan and lease loss provision to assets | 0.5973% | 2,751 |
| Net operating income to assets | 0.3696% | 4,679 |
| Return on assets (ROA) | 0.3824% | 4,772 |
| Pretax return on assets | 0.4289% | 4,855 |
| Return on Equity (ROE) | 4.0729% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.9465% | 3,799 |
| Net charge-offs to loans | 0.7622% | 2,735 |
| Credit loss provision to net charge-offs | 135.7692% | 2,848 |
| Earnings coverage of net charge-offs (x) | 2.3000% | 4,001 |
| Efficiency ratio | 72.0137% | 3,792 |
| Assets per employee ($millions) | 3.5185% | 4,894 |
| Cash dividends to net income (ytd only)* | 27.6549% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9130% | 2,522 |
| Loan loss allowance to noncurrent loans | 54.0373% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 2,613 |
| Noncurrent loans to loans | 3.5401% | 2,130 |
| Net loans and leases to total assets | 53.7860% | 5,658 |
| Net loans and leases to deposits | 60.3314% | 6,019 |
| Net loans and leases to core deposits | 62.9785% | 6,154 |
| Total domestic deposits to total assets | 89.1510% | 1,567 |
| Equity capital to assets | 9.5158% | 4,386 |
| Core capital (leverage) ratio | 8.4781% | 5,403 |
| Tier 1 risk-based capital ratio | 14.7381% | 3,401 |
| Total risk-based capital ratio | 16.0089% | 3,348 |
| Memoranda: | ||
| Average total assets | $118,205,800 | 4,516 |
| Average earning assets | $107,298,400 | 4,526 |
| Average equity | $11,097,800 | 4,840 |
| Average total loans | $68,222,600 | 4,743 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 3,735 |
| Cost of funding earning assets | 1.4552% | 3,244 |
| Net interest margin | 3.7655% | 4,113 |
| Noninterest income to average assets | 0.1932% | 6,506 |
| Noninterest expense to average assets | 2.7266% | 4,770 |
| Loan and lease loss provision to assets | 0.7086% | 2,154 |
| Net operating income to assets | 0.2291% | 5,423 |
| Return on assets (ROA) | 0.2482% | 5,517 |
| Pretax return on assets | 0.1943% | 5,743 |
| Return on Equity (ROE) | 2.6522% | 5,366 |
| Retained earnings to average equity (ytd only) | 2.5082% | 4,666 |
| Net charge-offs to loans | 1.0246% | 1,970 |
| Credit loss provision to net charge-offs | 118.3865% | 3,504 |
| Earnings coverage of net charge-offs (x) | 1.4765% | 4,621 |
| Efficiency ratio | 74.7434% | 3,187 |
| Assets per employee ($millions) | 3.6912% | 4,526 |
| Cash dividends to net income (ytd only)* | 5.4300% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 3,081 |
| Loan loss allowance to noncurrent loans | 43.1792% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 3.0531% | 2,374 |
| Noncurrent loans to loans | 3.9943% | 1,878 |
| Net loans and leases to total assets | 52.8598% | 5,997 |
| Net loans and leases to deposits | 59.6460% | 6,338 |
| Net loans and leases to core deposits | 62.2934% | 6,433 |
| Total domestic deposits to total assets | 88.6225% | 1,609 |
| Equity capital to assets | 9.2422% | 5,240 |
| Core capital (leverage) ratio | 8.1906% | 6,057 |
| Tier 1 risk-based capital ratio | 14.0466% | 3,801 |
| Total risk-based capital ratio | 15.3010% | 3,768 |
| Memoranda: | ||
| Average total assets | $118,729,250 | 4,565 |
| Average earning assets | $107,746,750 | 4,576 |
| Average equity | $11,110,000 | 4,896 |
| Average total loans | $69,360,750 | 4,781 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3043% | 3,454 |
| Cost of funding earning assets | 1.5061% | 3,224 |
| Net interest margin | 3.7981% | 3,898 |
| Noninterest income to average assets | 0.1155% | 7,030 |
| Noninterest expense to average assets | 2.7153% | 4,846 |
| Loan and lease loss provision to assets | 0.6491% | 2,218 |
| Net operating income to assets | 0.2600% | 5,334 |
| Return on assets (ROA) | 0.2600% | 5,477 |
| Pretax return on assets | 0.2005% | 5,769 |
| Return on Equity (ROE) | 2.7666% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.5496% | 4,529 |
| Net charge-offs to loans | 0.3879% | 3,426 |
| Credit loss provision to net charge-offs | 278.8321% | 1,334 |
| Earnings coverage of net charge-offs (x) | 3.6496% | 3,227 |
| Efficiency ratio | 75.3575% | 3,194 |
| Assets per employee ($millions) | 3.6543% | 4,579 |
| Cash dividends to net income (ytd only)* | 7.8431% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 2,488 |
| Loan loss allowance to noncurrent loans | 37.6141% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 3.3858% | 2,077 |
| Noncurrent loans to loans | 4.9880% | 1,385 |
| Net loans and leases to total assets | 55.3813% | 5,801 |
| Net loans and leases to deposits | 62.4986% | 6,183 |
| Net loans and leases to core deposits | 64.8131% | 6,332 |
| Total domestic deposits to total assets | 88.6121% | 1,670 |
| Equity capital to assets | 9.2377% | 5,097 |
| Core capital (leverage) ratio | 8.3676% | 5,638 |
| Tier 1 risk-based capital ratio | 13.9352% | 3,777 |
| Total risk-based capital ratio | 15.2050% | 3,725 |
| Memoranda: | ||
| Average total assets | $117,702,000 | 4,623 |
| Average earning assets | $106,895,330 | 4,623 |
| Average equity | $11,060,670 | 4,909 |
| Average total loans | $70,641,330 | 4,772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5739% | 2,269 |
| Cost of funding earning assets | 1.5462% | 3,293 |
| Net interest margin | 4.0277% | 2,753 |
| Noninterest income to average assets | 0.1652% | 6,785 |
| Noninterest expense to average assets | 2.7594% | 4,655 |
| Loan and lease loss provision to assets | 0.2581% | 3,974 |
| Net operating income to assets | 0.6228% | 3,787 |
| Return on assets (ROA) | 0.6228% | 3,924 |
| Pretax return on assets | 0.7776% | 3,963 |
| Return on Equity (ROE) | 6.5693% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.5693% | 2,336 |
| Net charge-offs to loans | 0.1724% | 3,891 |
| Credit loss provision to net charge-offs | 241.9355% | 1,586 |
| Earnings coverage of net charge-offs (x) | 9.7097% | 1,816 |
| Efficiency ratio | 71.9855% | 3,935 |
| Assets per employee ($millions) | 3.5250% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 3,767 |
| Loan loss allowance to noncurrent loans | 44.3528% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 2.7466% | 2,647 |
| Noncurrent loans to loans | 3.4426% | 2,313 |
| Net loans and leases to total assets | 59.6566% | 5,179 |
| Net loans and leases to deposits | 67.7282% | 5,625 |
| Net loans and leases to core deposits | 70.3554% | 5,884 |
| Total domestic deposits to total assets | 88.0824% | 2,015 |
| Equity capital to assets | 9.5672% | 4,429 |
| Core capital (leverage) ratio | 8.6785% | 5,051 |
| Tier 1 risk-based capital ratio | 13.7983% | 3,801 |
| Total risk-based capital ratio | 15.0293% | 3,762 |
| Memoranda: | ||
| Average total assets | $116,256,500 | 4,716 |
| Average earning assets | $104,773,500 | 4,740 |
| Average equity | $11,021,000 | 4,970 |
| Average total loans | $71,930,500 | 4,789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 2,398 |
| Cost of funding earning assets | 1.8187% | 3,889 |
| Net interest margin | 4.0434% | 2,679 |
| Noninterest income to average assets | 0.2281% | 6,486 |
| Noninterest expense to average assets | 3.0081% | 4,113 |
| Loan and lease loss provision to assets | 0.8548% | 2,601 |
| Net operating income to assets | 0.1432% | 5,071 |
| Return on assets (ROA) | 0.1459% | 5,129 |
| Pretax return on assets | 0.0389% | 5,349 |
| Return on Equity (ROE) | 1.5045% | 5,088 |
| Retained earnings to average equity (ytd only) | 0.3009% | 4,740 |
| Net charge-offs to loans | 1.1561% | 2,117 |
| Credit loss provision to net charge-offs | 113.8987% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.1873% | 4,935 |
| Efficiency ratio | 76.4226% | 3,455 |
| Assets per employee ($millions) | 3.5209% | 4,965 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,205 |
| Loan loss allowance to noncurrent loans | 75.4386% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.7988% | 3,668 |
| Noncurrent loans to loans | 1.8640% | 3,844 |
| Net loans and leases to total assets | 62.2761% | 4,932 |
| Net loans and leases to deposits | 70.5629% | 5,528 |
| Net loans and leases to core deposits | 86.7872% | 5,444 |
| Total domestic deposits to total assets | 88.2562% | 1,854 |
| Equity capital to assets | 9.3925% | 4,571 |
| Core capital (leverage) ratio | 8.4904% | 5,294 |
| Tier 1 risk-based capital ratio | 13.1549% | 4,042 |
| Total risk-based capital ratio | 14.4190% | 3,984 |
| Memoranda: | ||
| Average total assets | $113,129,600 | 4,756 |
| Average earning assets | $102,709,800 | 4,768 |
| Average equity | $10,967,200 | 5,034 |
| Average total loans | $73,434,600 | 4,752 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8821% | 2,524 |
| Cost of funding earning assets | 1.8884% | 3,938 |
| Net interest margin | 3.9937% | 2,850 |
| Noninterest income to average assets | 0.3809% | 5,470 |
| Noninterest expense to average assets | 3.0448% | 3,862 |
| Loan and lease loss provision to assets | 0.5257% | 3,282 |
| Net operating income to assets | 0.3990% | 4,406 |
| Return on assets (ROA) | 0.4023% | 4,496 |
| Pretax return on assets | 0.4426% | 4,686 |
| Return on Equity (ROE) | 4.1162% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.9341% | 3,080 |
| Net charge-offs to loans | 0.7570% | 2,468 |
| Credit loss provision to net charge-offs | 106.2350% | 4,791 |
| Earnings coverage of net charge-offs (x) | 1.9496% | 4,350 |
| Efficiency ratio | 75.1998% | 3,659 |
| Assets per employee ($millions) | 3.5283% | 4,856 |
| Cash dividends to net income (ytd only)* | 4.4249% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,447 |
| Loan loss allowance to noncurrent loans | 65.4596% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.2576% | 3,034 |
| Noncurrent loans to loans | 1.9995% | 3,645 |
| Net loans and leases to total assets | 62.7752% | 5,109 |
| Net loans and leases to deposits | 71.7350% | 5,689 |
| Net loans and leases to core deposits | 86.7029% | 5,800 |
| Total domestic deposits to total assets | 87.5100% | 1,880 |
| Equity capital to assets | 9.9747% | 4,121 |
| Core capital (leverage) ratio | 8.7727% | 5,015 |
| Tier 1 risk-based capital ratio | 13.8259% | 3,650 |
| Total risk-based capital ratio | 15.0893% | 3,596 |
| Memoranda: | ||
| Average total assets | $112,364,750 | 4,796 |
| Average earning assets | $102,092,500 | 4,821 |
| Average equity | $10,980,750 | 5,077 |
| Average total loans | $73,445,750 | 4,794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8443% | 2,835 |
| Cost of funding earning assets | 1.9278% | 4,121 |
| Net interest margin | 3.9165% | 3,030 |
| Noninterest income to average assets | 0.4564% | 4,811 |
| Noninterest expense to average assets | 2.9844% | 4,147 |
| Loan and lease loss provision to assets | 0.5473% | 2,831 |
| Net operating income to assets | 0.4320% | 4,370 |
| Return on assets (ROA) | 0.4368% | 4,463 |
| Pretax return on assets | 0.4903% | 4,655 |
| Return on Equity (ROE) | 4.5008% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.2252% | 2,953 |
| Net charge-offs to loans | 0.9515% | 1,824 |
| Credit loss provision to net charge-offs | 87.2159% | 5,004 |
| Earnings coverage of net charge-offs (x) | 1.6449% | 4,310 |
| Efficiency ratio | 73.5464% | 4,103 |
| Assets per employee ($millions) | 3.4472% | 4,954 |
| Cash dividends to net income (ytd only)* | 6.1224% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,938 |
| Loan loss allowance to noncurrent loans | 42.7447% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 2.1845% | 2,951 |
| Noncurrent loans to loans | 2.8082% | 2,563 |
| Net loans and leases to total assets | 62.8758% | 5,204 |
| Net loans and leases to deposits | 73.6339% | 5,512 |
| Net loans and leases to core deposits | 89.3783% | 5,587 |
| Total domestic deposits to total assets | 85.3898% | 3,068 |
| Equity capital to assets | 9.5626% | 4,534 |
| Core capital (leverage) ratio | 8.6705% | 5,145 |
| Tier 1 risk-based capital ratio | 13.6491% | 3,726 |
| Total risk-based capital ratio | 14.8458% | 3,688 |
| Memoranda: | ||
| Average total assets | $112,184,330 | 4,821 |
| Average earning assets | $101,980,000 | 4,843 |
| Average equity | $10,887,000 | 5,117 |
| Average total loans | $73,988,670 | 4,811 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9169% | 2,720 |
| Cost of funding earning assets | 1.9881% | 4,191 |
| Net interest margin | 3.9288% | 2,933 |
| Noninterest income to average assets | 0.4740% | 4,556 |
| Noninterest expense to average assets | 2.7828% | 4,635 |
| Loan and lease loss provision to assets | 0.5889% | 2,138 |
| Net operating income to assets | 0.5971% | 4,027 |
| Return on assets (ROA) | 0.6068% | 4,181 |
| Pretax return on assets | 0.6751% | 4,511 |
| Return on Equity (ROE) | 6.2067% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.2067% | 2,543 |
| Net charge-offs to loans | 0.4760% | 2,260 |
| Credit loss provision to net charge-offs | 184.2697% | 2,366 |
| Earnings coverage of net charge-offs (x) | 3.9213% | 3,027 |
| Efficiency ratio | 68.6833% | 4,839 |
| Assets per employee ($millions) | 3.7249% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 3,816 |
| Loan loss allowance to noncurrent loans | 36.7795% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 2.6900% | 2,115 |
| Noncurrent loans to loans | 3.6607% | 1,712 |
| Net loans and leases to total assets | 64.8492% | 4,830 |
| Net loans and leases to deposits | 76.2690% | 5,185 |
| Net loans and leases to core deposits | 92.1503% | 5,332 |
| Total domestic deposits to total assets | 85.0269% | 3,187 |
| Equity capital to assets | 9.8204% | 4,221 |
| Core capital (leverage) ratio | 8.8289% | 4,939 |
| Tier 1 risk-based capital ratio | 13.5014% | 3,861 |
| Total risk-based capital ratio | 14.7526% | 3,787 |
| Memoranda: | ||
| Average total assets | $111,398,500 | 4,867 |
| Average earning assets | $100,998,500 | 4,886 |
| Average equity | $10,891,500 | 5,138 |
| Average total loans | $74,786,000 | 4,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4507% | 3,184 |
| Cost of funding earning assets | 2.6283% | 3,538 |
| Net interest margin | 3.8224% | 3,926 |
| Noninterest income to average assets | 0.0682% | 7,809 |
| Noninterest expense to average assets | 2.6496% | 5,445 |
| Loan and lease loss provision to assets | 0.6346% | 2,288 |
| Net operating income to assets | 0.2576% | 5,682 |
| Return on assets (ROA) | 0.2756% | 5,442 |
| Pretax return on assets | 0.2612% | 5,603 |
| Return on Equity (ROE) | 2.9177% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.0739% | 4,579 |
| Net charge-offs to loans | 0.4331% | 2,658 |
| Credit loss provision to net charge-offs | 218.8854% | 2,195 |
| Earnings coverage of net charge-offs (x) | 3.0279% | 4,570 |
| Efficiency ratio | 74.8346% | 3,431 |
| Assets per employee ($millions) | 3.4703% | 4,750 |
| Cash dividends to net income (ytd only)* | 63.1922% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 4,528 |
| Loan loss allowance to noncurrent loans | 52.2584% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.9018% | 2,583 |
| Noncurrent loans to loans | 2.2978% | 2,411 |
| Net loans and leases to total assets | 67.7190% | 4,510 |
| Net loans and leases to deposits | 81.7635% | 4,762 |
| Net loans and leases to core deposits | 97.5395% | 5,093 |
| Total domestic deposits to total assets | 82.8231% | 3,843 |
| Equity capital to assets | 9.7335% | 4,388 |
| Core capital (leverage) ratio | 8.7718% | 5,080 |
| Tier 1 risk-based capital ratio | 12.8183% | 4,208 |
| Total risk-based capital ratio | 14.0307% | 4,158 |
| Memoranda: | ||
| Average total assets | $111,412,400 | 4,737 |
| Average earning assets | $100,826,800 | 4,783 |
| Average equity | $10,522,000 | 5,255 |
| Average total loans | $74,585,600 | 4,711 |